EMPLOYEE BENEFITS MEETING - Palomar College...Benefit Options Presentation with Vendor Q & A 10...
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Palomar Community College District EMPLOYEE BENEFITS MEETING Plan Year: 2020 – 2021
Transcript of EMPLOYEE BENEFITS MEETING - Palomar College...Benefit Options Presentation with Vendor Q & A 10...
Palomar Community College DistrictEMPLOYEE BENEFITS MEETING
Plan Year: 2020 – 2021
Discussion topics
✓What is not changing
✓What is changing
✓ 2020/2021 rates
✓ Pre-Tax vs. Post-Tax deduction examples
✓Dependent Verification Audit
✓Next steps
✓Resources
Today’s Employee Benefits Webinar Agenda
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What is Not Changing
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The District remains committed to providing permanent employees with comprehensive benefits, including plans with 100% District paid premiums. The following benefit plan options will continue in the October 2020 - September 2021 plan year with no changes:
Medical/Dental/Vision/Life/Long Term Care Plans – 100% District paid premiums
Kaiser Permanente HMO for the Employee and Eligible Dependents
Kaiser HDHP/Discovery Benefits HSA District contributions of $3,000 single / $6,000 2-party & family Discovery Benefits HSA funds deposited half in October/half in April.*
Delta DeltaCare USA DHMO for the Employee and Eligible Dependents
EyeMed Vision for the Employee and Eligible Dependents
$80,000 VOYA Employee Term Life Insurance and Accidental Death & Disability Insurance
Unum Employee Long Term Care Insurance
Anthem & VOYA Employee Assistance Programs for ALL employees and their household members
Voluntary Benefits – Employee Paid
Hyatt Legal Services
Employee contributions to American Fidelity FSA plans (Kaiser HDHP members Discovery HSA)
Voya Supplemental Life/AD&D
American Fidelity & Aflac Supplemental Insurance Plans* Per the IRS HDHP/HSA Deductible & Out-of-Pocket will reset on January 1st regardless of benefit plan year
What is Changing Effective October 1, 2020
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No Longer Offered
Anthem HDHP/Discovery Benefits HSA: must elect a new plan or they will be enrolled in the New Anthem HMO
EASE Employee Assistance Plan
District Contribution to FSA for the Anthem HMO plan
District Insurance Double Coverage for Active Married/Domestic Partners
New Plans Offered
New Anthem PPO 80E Plan - $20 office visit, $300 Single/$600 2-Party & Family deductible, 20%-coinsurance, Rx $9/$35
New Anthem HMO CaliforniaCare Plan - $20 office visit/$40 specialist visit, $250 ER and Hospital, Rx $9/$35
(*)Contributions differ for employees paid over 10 months (**)Dental rates are based on super-composite structure.
Palomar Group 1 & Group 2 Retirement Benefits
Employees who retire on or after October 1, 2020 will be subject to the same contributions as active employees
What is Changing Effective October 1, 2020
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Plans Requiring Employee 10 or 12 Monthly Contributions / Buy Up
Insurance Plan 10 Month Contribution 12 Month Contribution
Anthem Traditional PPO 100A (PPO High)
Single $258.002-Party $506.40Family $712.80
Single $215.002-Party $422.00Family $594.00
New Anthem PPO 80E – (PPO Low) more affordable
Single $33.602-Party $67.20Family $96.00
Single $28.002-Party $56.00Family $80.00
Delta Dental PPO Single, 2-Party, Family $53.84 Single, 2-Party, Family $44.87 (*)
Delta Dental Premier Single, 2-Party, Family $85.88 Single, 2-Party, Family $71.57 (*)
(*) Dental rates are based on super-composite structure.
2020 – 2021 Premiums, Contributions & Cost Effective October 1, 2020 for Active Employees
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Medical
Anthem PlansEmployer ContributionSingle / 2-Party / Family
Employee Contribution
Maximum Service CostSingle / 2-Party / Family
Annual Contribution
Anthem HMO CaliforniaCare (New)
$752.00 / $1,468.00 / $2,061.00 $0.00PY OOPM: Rx $2,500/$3,500Single $2,000/Family $4,000
$0.00
Anthem PPO 100A (Current) Single
$752.00 10 mo. $258.0012 mo. $215.00
PY OOPM: Rx $1,500 & Services $1,000.00 (**)
$2,580.00
Anthem PPO 100A 2-Party
$1,468.0010 mo. $506.4012 mo. $422.00
PY OOPM: Rx $2,500 &Services 3,000.00 (**)
$5,064.00
Anthem PPO 100AFamily
$2,061.0010 mo. $712.8012 mo. $594.00
PY OOPM: Rx $2,500 &Services $3,000.00 (**)
$7,128.00
Anthem PPO 80E (New) Single
$752.00 10 mo. $33.6012 mo. $28.00
PY OOPM: Rx $2,500 &Services $1,000.00 (**)
$336.00
Anthem PPO 80E 2-Party
$1,468.0010 mo. $67.2012 mo. $56.00
PY OOPM: Rx $3,500 &Services$3,000.00 (**)
$672.00
Anthem PPO 80E Family
$2,061.0010 mo. $96.0012 mo. $80.00
PY OOPM: Rx $3,500 &Services $3,000.00 (**)
$960.00
(*)Contributions will differ for employees paid over 10 months (**) Amount listed applies to in-network /approved covered services only. Federal HDHP/HSA guidelines require the deductible and OOPM reset on January 1st. PY OOPM = Plan Year Out of Pocket Maximum CY OOPM = Calendar Year
Amounts listed below are calculated for 10 and 12 monthly payments per year (*)
2020 – 2021 Premiums, Contributions & Cost Effective October 1, 2020 for Active Employees
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Medical
Kaiser PlansEmployer ContributionSingle / 2-Party / Family
Employee Contribution
Maximum Service CostSingle / 2-Party / Family
Annual Contribution
Kaiser HMO $752.00 / $1,468.00 / $2,061.00 $0.00PY OOPM
Single $2,000/Family $4,000$0.00
Kaiser HDHP/HSA Single
$481.00 $0.00CY OOPM 2020 $3,000
CY OOPM 2021 $3,000 (*)$0.00
Kaiser HDHP/HSA 2-Party
$943.00 $0.00CY OOPM 2020 $6,000
CY OOPM 2021 $6,000 (*)$0.00
Kaiser HDHP/HSA Family
$1,323.00 $0.00CY OOPM 2020 $6,000
CY OOPM 2021 $6,000 (*)$0.00
(*) Amount listed applies to in-network /approved covered services only. Federal HDHP/HSA guidelines require the deductible and OOPM reset on January 1st. PY OOPM = Plan Year Out of Pocket Maximum CY OOPM = Calendar Year
Employer Contribution amounts listed below are calculated for 12 monthly payments per year
2020 – 2021 Premiums, Contributions & Cost Effective October 1, 2020 for Active Employees
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➢ Amounts listed below are calculated for 10 and 12 monthly payments per year.
Dental
Carrier/Plan Option Premium Employer Contribution Employee Contribution
DeltaCare USA DHMO $28.33 $28.33 $0.00
Delta Dental PPO $73.20 $28.3310 mo. $53.8412 mo. $44.87
Delta Dental Premier(*) $99.90 $28.3310 mo. $85.8812 mo. $71.57
Vision
Carrier/Plan Option Premium Employer Contribution Employee Contribution
EyeMed $14.73 $14.73 $0.00
VOYA Basic Term Life/AD&D
Carrier/Plan Option Premium Employer Contribution Employee Contribution
Voya - $80,000/$80,000 $9.52 $9.52 $0.00
(*)Delta Dental Premier is available only to employees currently enrolled on the plan with a hire date prior to 1996 (grandfathered).Dental/vision/basic life/AD&D rates are based on super-composite structure.
Pre-Tax vs. Post-Tax Deductions
The IRS section 125 allows employers, such as Palomar Community College District, to offer employee deductions for the medical and dental premiums on a pre-tax basis. Employees can opt to have these deductions made on a post-tax basis.
EXAMPLES
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PRE-TAX PAYROLL DEDUCTIONS
Gross Earnings $1,000.00
Insurance Deductions <$100.00>
Sub-Total $900.00
25% Payroll Taxes <$225.00>
Net Earnings $675.00
POST-TAX PAYROLL DEDUCTIONS
Gross Earnings $1,000.00
25% Payroll Taxes <$250.00>
Insurance Deductions <$100.00>
Net Earnings $650.00
Dependent Verification Audit
The Fiscal Crisis and Management Assistance Team (FCMAT) report recommended that Palomar College conduct a full dependent verification audit (DVA). Most employers conduct this audit regularly to ensure their plan is covering only eligible dependents.
WHAT YOU NEED TO KNOW
• Palomar Community College District has partnered with UnifyHR for the audit• Only employees/retirees who cover dependent spouse and/or children will receive
communication• Employees/retirees must respond to UnifyHR, the District Benefits Office is not
handling any of the verification process• Unify HR will be sending postal letters and also emails• The grace period for verification will end August 26, 2020• Termination of ineligible dependents will be effective September 1, 2020• Dependents who are ineligible will not be eligible for COBRA coverage• Dropped dependents can be re-enrolled during open enrollment, if eligible
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Next Steps
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What Will Happen if I Don’t Enroll in Benefits
Due to the changes in contributions for the medical and dental PPO & Premier plans, all employees will be required to re-enroll.
If you do not re-enroll in the medical plans:• All current Anthem members will automatically be enrolled in the new Anthem HMO plan.• Current Kaiser members will continue on the same plan they are currently enrolled.
If you do not re-enroll in the dental plan:• All current Delta PPO & Premier members will automatically be enrolled in the DeltaCare USA DHMO
Additional Information
An email will be sent to employees in the next week with dates/times/link for open enrollment webinars with vendors, the Palomar Benefits Guide, American Fidelity and Aflac meeting information.
Update your address with [email protected]
Review materials and resources on the Palomar Open Enrollment webpage
Open Enrollment Information
You will enroll in benefits during the month of August. The effective date of your selection will be October 1st. Your username and login for the eBenefits online platform will reset effective August 8, 2020.
No paper forms for this Open Enrollment, all changes must be made online in the eBenefits system.
All Domestic Partnerships are required to be registered with the state by August 31, 2020.
Zoom Meeting Dates
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Benefit Options Presentation with Vendor Q & A
10 minutes: Welcome and General Information
30 minutes: Medical Plan Information with Q&A
30 Minutes: Dental, Vision, Life, EAP, Hyatt Information with Q&A
10 Minutes: American Fidelity FSA and Supplemental Insurance with Q&A
10 Minutes: Aflac Supplemental Insurance with Q&A
Dates Times
August 18,2020 9:00am to 10:45am
2:00pm to 3:45pm
August 21, 2020 1:00pm to 2:24pm
4:00pm to 5:45pm
August 26, 2020 9:00am to 10:45am
2:00pm to 3:45pm
Questions?Please direct questions regarding employee
benefits to:
© 2010-2018 BrightPath Consulting Services, Inc. All rights reserved.
Resources
Palomar Community College District Benefit Department
Wendy Corbin Benefits Specialist (760) 744.1150 x-2889 email: [email protected]
Veronica Sadowski BenefitS Specialist (760) 744.1150 x-3053 email [email protected]
Anthem Blue Cross of California Delta Dental PPO
HMO Customer Service (800) 227.3771 Delta Dental PPO (866) 499.3001
PPO Customer Service (800) 288.2539 www.deltadentains.com
Costco Mail Order (800) 607.6861
Specialty Pharmacy - Navitus (855) 847.3553 DeltaCare Dental HMOwww.anthem.com/ca Customer Service (800) 422.4234
www.navitus.com www.deltadentalins.com
Kaiser California Employee Assistance Program
Customer Service (800) 464.4000 Customer Service (800) 999.7222
Mail Order Pharmacy (866) 523.6059 www.anthemeap.com
www.kp.org
Voya Life & Disability
EyeMed Vision Life and AD&D (888) 238.4840
Customer Service (866) 939.3633 Long Term Disability (888) 305.0602www.eyemed.com Travel Assistance (800) 659.2821
Funeral Planning & Concierge
Services (800) 913.8318
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