Open Enrollment for FY17
Open Enrollment begins May 11th (12:00 AM) and continues through May 25th (11:59 PM).
During Open Enrollment you may make the following types of changes:
- change insurance plans
- add or drop insurance
- buy additional supplemental life insurance
- enroll in flexible spending accounts
- add or remove eligible dependents from insurance plans
All changes are made by logging into your PRISM account and selecting ACGA Employee Self-Service / Benefits. You can make changes between May 11th and May 25th. Your changes will not be effective until July 1, 2016.
Have questions? We’re Here to Help!
Come to one of the many information sessions or help sessions scheduled around the County.
What’s New for FY17?
Premiums: Biweekly premiums will increase for Kaiser and Cigna plans. Generally, employees in Kaiser or one of the OAP-IN Cigna plans will see their premiums increase between $2.30 and $17.03 per pay depending on the plan and the coverage tier. There will be no premium increase for Delta Dental in FY17.
Kaiser Permanente Signature HMO
There are no plan design changes for the Kaiser HMO plan. Please review the Out-of-Pocket Expense Comparison to see a list of the most common copays.
MDLIVE – telemedicine service will be available to Cigna members as of July 1. MDLIVE is Cigna’s new partnership that provides members with access to primary care and pediatric doctors anytime and anywhere. MDLive provides video, phone or email on-demand access to US board-certified doctors. It’s a convenient and affordable way for you to get quality healthcare and prescriptions for non-emergency medical issues.
The registration period will begin on June 15th. You must register via the web at www.MDLIVE/arlgov on or after June 15th. MDLIVE services available on or after July 1st.
Prescription drug formulary changes, effective July 1, 2016, will impact fewer than 100 people on the Cigna plan. Cigna is sending letters to each individual impacted by the prescription drug formulary changes. Please review the Cigna letter and talk to your doctor if necessary.
Flexible Spending Account (FSA)
The IRS has maintained the annual contribution limit for the Health Care FSA at $2,550. Reminder: up to $500 of unspent funds in your health care FSA will automatically roll over from FY16 to FY17.
The IRS has maintained the annual contribution limit for Dependent Care FSA at $5,000.
Out-of-Pocket Maximum Amounts
The out-of-pocket maximum (OOPM) is a requirement of the Affordable Care Act. The OOPM exists to protect you against catastrophic medical expenses. The OOPM is the most you will pay out-of-pocket during the calendar year for covered health services. Once you meet the OOPM, the plan pays 100% for the rest of the calendar year. Below are the Out-of-Pocket Maximum amounts.
If you switch plans during Open Enrollment:
This may impact what out-of-pocket maximum (OOPM) you must meet for the calendar year.
For a better understanding of how the OOPM works — especially if you decide to change health plans — please review What is an Out of Pocket Maximum?
|Kaiser Permanente HMO||Cigna OAP IN Copay Plan||Cigna OAP IN Coinsurance Plan||Cigna OAP|
$4,500 Family Out-of-Network
Reminder: the OOPM is tracked on a calendar year basis and resets to $0 every January 1st.
What Must You Do During Open Enrollment?
→ If you would like to change the plan in which you are enrolled or add/remove
eligible dependents, you must make this change in PRISM during Open Enrollment.
→ Flexible Spending Account participants must re-enroll during Open Enrollment
to continue participation in FY17.
→ No action is required if you wish to keep the same health and/or dental coverage.