Open Enrollment for FY18
Open Enrollment begins May 10th (12:00 AM) and continues through May 24th (11:59 PM).
During Open Enrollment you may make the following types of changes in PRISM:
- 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 10th and May 24th. Your changes will not be effective until July 1, 2017.
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 FY18.
→ No action is required if you wish to keep the same health and/or dental coverage.
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 FY18?
How about 90 Now? – Cigna is Giving You More Choice to Fill Your 90-Day Rx
Many employees have expressed frustration with Cigna mail order. Cigna is launching a new program 90 Now to give you more choice. Effective July 1, 90 Now will enable you to get your 90-day refills from certain retail stores – including CVS, Target, Walmart Pharmacy, Harris Teeter Pharmacy & more – for the same reduced price of mail order drugs! Remember 90 NOW is not available at every retail pharmacy. To see a full list of 90 Now participating pharmacies click HERE or go to www.cigna.com/Rx90network. Watched the Cigna 90 Now video HERE!
90 NOW = 90-day refills of preventive generics will be ZERO dollars for you!
90 NOW = 90-day refills of maintenance medication are at a reduced rate – saving you 33%!
Note: Specialty medications, certain behavior health medications (e.g. antidepressants), and one-time 30-day prescriptions are not included in 90 Now.
Introducing Delta Dental’s Prevention First program
Beginning July 1st, the Prevention First program will be in place! Costs associated with preventive care and diagnostics (typically your cleanings, oral exams, and x-rays) will NOT count against the $1,500 annual maximum. This means that your annual maximum benefit of $1,500 will go further in covering your other dental services such as fillings, crowns, and extractions. Your preventive services will still be covered at 100% by Delta Dental.
Flexible Spending Account (FSA)
The IRS has increased the annual contribution limit for the Health Care FSA to $2,600.
Reminder: up to $500 of unspent funds in your Health Care FSA will automatically roll over from FY17 to FY18.
Log into your ASIFLEX account to sign up for FlexMinder. FlexMinder is a new feature that allows you to select and send EOBs to ASIFLEX with a simple click!
Dependent Care Flexible Spending Account (FSA)
To help with the high cost of daycare, starting July 1, the County will reimburse participating full-time employees for 50% of your Dependent Care FSA election, up to $500 annually.
The IRS has maintained the annual contribution limit for Dependent Care FSA at $5,000.
Other Plan Changes
The County is committed to being a diverse and inclusive community for all people . We are pleased to announce that, effective July 1, 2017, both Cigna and Kaiser will provide coverage for services related to gender reassignment. The County made the decision to offer this coverage in consultation with Cigna and Kaiser, in order to continue to offer a comprehensive benefits package that meets the needs of our diverse employee population. Because this is a new benefit, and there are limits to the coverage, we realize employees may have questions. Should individuals want more detailed information, they may contact Cigna or Kaiser Customer Service using the phone number located on their ID card.
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 Plan|
Reminder: the OOPM is tracked on a calendar year basis and resets to $0 every January 1st.