Valdosta City School District

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VCS Open Enrollment 2017

VCS Open Enrollment 2017

The annual Open Enrollment Period for the 2017 Plan Year begins at 12:00 a.m. on October 17, 2016, and will close at 11:59 p.m. on November 4, 2016. 

 

NOTE:  The SHBP website will only update State Health.  Please see below to update all other insurances and plans.

 

If you do not want to change any benefits for the 2017 Plan Year do nothing, and everything will remain the same. (Exception:  Ameritas Dental/Vision.  See below.)

  

The 2017 Plan Year will begin January 1, 2017 and go through December 31, 2017.  Your new coverage will begin January 1, 2017.  Premium changes will be seen in your December 2016 check. 

 

Additional information about the following plans is available on our website www.gocats.org under benefits. 

 

Lincoln Dental and Vision Coverage 

 

VCS is ending our policy with Ameritas for dental and vision on 12/31/2016.  You will no longer have coverage with Ameritas as of 1/1/2017.  Ameritas showed a 6% increase for the 2017 year.  VCS decided to do a cost comparison with other companies and found the Lincoln Company to be cheaper with the same coverage plus a few enhancements. 

 

Nan Troutman, our Lincoln Representative, will be coming to your school to help with the changeover.  She will be posting her schedule at each school.  Please speak to her about deciding on a plan to fit your needs.  If you do nothing, your coverage will remain in the same type of plan but you will be moved to Lincoln for the 2017 plan year. 

  

DENTAL/VISION RATES

NEW 2017 Rates with Lincoln

Dental Passive PPO (any dentist)          Dental Network              Vision

Employee                      $34.42                                      $31.74                          $8.36

Employee + Spouse        $76.44                                      $70.38                          $16.12

Employee + Child(ren)     $80.70                                      $73.37                          $13.84

Family                           $89.90                                      $82.53                          $21.60

 

Please remember if your dependents are no longer eligible for coverage because they are age 26, you are responsible for contacting the Benefits Office to change the tier of your coverage.  You must complete a form for the change to take place.  No money will be refunded for premiums already paid.

 

Nan Troutman, Lincoln Representative, 229.333.0420

 

AFLAC

 

Troy Black, with AFLAC, will be coming to your school to update our Cafeteria Plan and offer any additional insurance you may be interested in purchasing such as cancer, accident, critical illness, or short term disability.  Please contact Troy Black at 229.251.5830 concerning AFLAC questions or changes.

 

Salary Redirection

 

Valdosta City Schools participates in a Cafeteria plan under IRS Section 125 which allows us to apply pre-tax advantage when eligible.  All employees need to meet with Troy Black, who handles our Cafeteria plan, to sign their salary redirection for pre-tax advantage for the 2017 plan year.  Troy Black will be visiting each school to administer the paperwork.  

 

TrustMark Life Insurance

 

TrustMark Life insurance is life insurance coupled with long term care with a restoration value.  Please contact our TrustMark Life Insurance representative, Nick Nickerson, at 229.444.2094 with any questions concerning TrustMark Life Insurance products.

 

Horace Mann

 

Horace Mann offers life insurance products with a payroll deduction.  Please contact our Horace Mann Representative, Joe Belson, at 229.245.1767 with any questions concerning Horace Mann Life Insurance products.

 

MetLaw

 

MetLaw is a legal service plan that provides legal representation for you, your spouse, and dependents at an affordable price. Eligible employees may enroll in or discontinue MetLaw coverage at this time.  Please contact our MetLaw representative, Nick Nickerson, at 229.444.2094 with any questions concerning MetLaw legal service.

 

Lincoln Financial Group – Short Term Disability 

We offer short term disability through Lincoln Financial Group.  Short term disability pays, with a short waiting period before you get your first benefit check, while you are disabled from your employment.  Please contact our Lincoln Financial Group representative, Nan Troutman, at 229.333.0420 with any questions concerning short term disability. 

 

Sick Leave Bank

 

Eligible employees may discontinue or enroll in the Sick Leave Bank during this Open Enrollment Period.  If you are a member of the Sick Leave Bank, with a catastrophic illness you may qualify for up to 45 sick days to help you get back to work.  Please contact Beverly Kay at 229.671.6055 or bkay@gocats.org.

 

Tax Sheltered Annuity

 

As an employee of Valdosta City Schools, you have the opportunity to save for your future in a 403(b) tax-deferred retirement saving program.  Remember, 403(b) plans are meant to encourage long-term retirement saving.  Income taxes are paid at withdrawal when you may be in a lower tax bracket.  If withdrawn before age 59 ½, you might be subject to federal restrictions and a 10% tax penalty. For additional information about participation, investment options, and more contact Beverly Kay at 229.671.6055.  

 

The Hartford

 

The Hartford is employee life and long term disability insurance that is paid for by the Valdosta Board of Education.  Please remember to update your beneficiaries as The Hartford goes by the forms on file for paying a claim.  Contact Beverly Kay to make changes.

 

TRSGA – Teachers’ Retirement System of Georga

 

Remember…TRS Statements are only available online.  All members are encouraged to go online to www.trsga.com to download an annual statement and confirm reported years.  Also, please remember to update your beneficiaries.

 

PSERS – Public School Employee Retirement System of Georgia 

 

Remember…PSERS Statements are only available online.  All members are encouraged to go online to www.ers.ga.gov to download an annual statement and confirm reported years.  Also, please remember to update your beneficiaries.

 

ERSGA – Employees Retirement System of Georgia

 

Remember…ERS Statements are only available online.  All members are encouraged to go online to www.ers.ga.gov to download an annual statement and confirm reported years.  Also, please remember to update your beneficiaries.  

 

State Health Benefit Plan – 

Go to www.dch.georgia.gov/shbp  to view presentation videos from SHBP to help choose a plan.

 

The annual Open Enrollment Period for the 2017 Plan Year for State Health Benefit Plan (health insurance) begins at 12:00 a.m. on October 17, 2016, and will close at 11:59 p.m. on November 4, 2016

 

Open Enrollment is a time for any eligible employee to enroll in State Health Benefit Plan, continue their coverage, or make any changes to their coverage.     

 

The 2017 Plan Year will begin Jan. 1, 2017 and continue through Dec. 31, 2017.

 

Please remember any premium changes will be seen in your December 2016 check. 

 

SHBP (State Health Benefit Plan) Plan Information/Changes

 

There are a few changes to the SHBP coverage for January 1, 2017.

 

Employees may make their health benefits selection/change online at the State Health Benefit Plan employee portal at www.mySHBPga.adp.com.  If you do not know your current User Name or Password, click on “Forgot User ID?” or “Forgot Password?” from the login page and follow the prompts.   

 

  • If you are currently enrolled in State Health Benefit Plan and do not go online to make a 2017 election, you will remain in the same coverage you elected in the previous 2016 Plan year.  The tobacco surcharge will only be charged to you if you paid it in the 2016 Plan year. 

 

  • You will need to register on the website before you can make your 2017 election.  Go to www.mySHBPga.adp.comand follow the prompts to register.  (Please remember first time users must use the Registration Code: SHBP-GA.)  

 

  • After making your election, remember to print your confirmation which includes your confirmation number. 
     
  • You may go online as many times as you like, but the last election confirmed at the time Open Enrollment closes will be your election for the 2017 Plan Year.  Once Open Enrollment is closed, you will be able to go online to www.myshbpga.adp.comand view your 2017 election.   

 

  • The tobacco surcharge has not changed; it will continue to be $80.00 per month.   

 

  • Express Scripts will continue to administer prescription drug pharmacy benefits for members who choose BCBSGA or UnitedHealthcare.

 

  • Healthways will continue well-being resources and incentive programs for members.

 

  • Members will choose from the following plans for 2017: 

-Blue Cross Blue Shield

  1. HRA Gold
  2. HRA Silver
  3. HRA Bronze

-Blue Cross Blue Shield or UnitedHealthcare HMO (Health Maintenance Organization)

-UnitedHealthcare HDHP (High Deductible Health Plan)

 

  • BCBS will continue the HRA plans.  Remember there are no co-pays in the HRA plans. You must reach the deductible by using your HRA incentive credits and out-of-pocket resources.  After the deductible is met, you will pay the co-insurance until your out-of-pocket maximum is met.  Once your out-of-pocket maximum is met, you will be covered at 100%.  

 

  • The HMO (Health Maintenance Organization) will be offered by Blue Cross Blue Shield of Georgia and UnitedHealthcare and is a co-pay plan.

 

  • The HDHP (High Deductible Health Plan) will be offered by UnitedHealthcare.

 

  • Effective January 1, 2017, the benefit allowance for hearing aids for children up to age 19 has increased.

 

  • To help you with your enrollment choices, the State Health Benefit Plan has included Decision Support Tools as part of the Enrollment Portal.  You will be provided with personalized easy to understand information to assist you in making educated health care decisions.  

 

  • Please study the new plans thoroughly before making your selection.

  

  • Plan Features:

 

HRA:   

-Plan pays 100% of covered services provided by in-network providers that are properly coded as “preventive care”  

-You must meet separate in-network and out-of-network deductibles and out-of-pocket maximums

-You are not required to select a Primary Care Physician (PCP) or obtain referrals to see a Specialist (SPC)

-The credits in your HRA account are used to help meet your deductibles and out-of-pocket maximums, and will rollover to the next plan year

-The medical and pharmacy out-of-pocket maximums are combined (in other words, the part you pay for pharmacy goes toward your out-of-pocket maximum which moves you closer to being 100% covered)

-Certain drug costs are waived if SHBP is primary and you actively participate in one of the Disease Management Programs for diabetes, asthma, and/or coronary artery disease

 

HDHP:

-Plan pays 100% of covered services provided by in-network providers that are properly coded as “preventive care”

-Before you can use well-being incentive credits, members must meet a threshold ($1,300 – individual; $2,600 other tiers)

-You must meet separate in-network and out-of-network deductibles and out-of-pocket maximums

-You pay co-insurance after meeting the tier deductible for covered medical and pharmacy expenses

-The medical and pharmacy out-of-pocket maximums are combined (in other words, the part you pay for pharmacy goes toward your out-of-pocket maximum which moves you closer to being 100% covered)

-There are no co-payments 

-You may open a Health Savings Account (HSA) with your banking institution when you are enrolled in an HDHP

 

HMO:

-Plan pays 100% of covered services provided by in-network providers that are properly coded as “preventive care”  

-This is a co-pay plan; however, certain services are subject to a deductible and co-insurance

-You are not required to obtain referrals to see a Specialist (SPC), but are encouraged to select a Primary Care Physician

  (PCP) to help coordinate your care

-The medical and pharmacy out-of-pocket maximums are combined (in other words, the part you pay for pharmacy goes

  toward your out-of-pocket maximum which moves you closer to being 100% covered)

-Co-payments count toward your out-of-pocket maximum

-Certain drug costs are waived if SHBP is primary and you actively participate in one of the Disease Management Programs for diabetes, asthma, and/or coronary artery disease

 

Enhanced Benefits 

  1. Telemedicine/Virtual Visits:  Effective January 1, 2016, SHBP will provide access to physicians through telemedicine/virtual visits 365 days a year 24 hours a day.  Services will be available from a computer, tablet, or smartphone that has a web camera. Please refer to the Decision Guide Benefits Comparison chart for cost and coverage. 
  1. Wellness Incentive Credits rollover Expansion:  Starting in 2016, all unused wellness incentive credits will now rollover to both the vendor and plan design you select during Open Enrollment.  This means that regardless of the plan design and/or vendor you choose, you can take your well-being incentive credits with you.  (This does not include the HRA dollars received at the beginning of the year for the Bronze, Silver, or Gold HRA plans.  This only includes the extra incentive credits earned.) These earned rollover credits will be available April 2017 (to allow for processing previous year’s claims).   
  1. Bariatric Pilot:  The Bariatric Pilot has ended.  There is no longer any coverage for Bariatric surgery in the 2017 plan year. 

2017 Rates

 

STATE HEALTH BENEFIT PLAN ACTIVE EMPLOYEE , SUBSIDIZED EXTENDED COVERAGE, and APPROVED LEAVE without PAY (Military, FMLA and Disability) RATES JANUARY 1 - DECEMBER 31, 2017

 

 

YOU

YOU + CHILD(REN)

YOU + SPOUSE

YOU + FAMILY

BCBS HRA Gold 

$ 164.36

$ 298.72 

$ 405.84 

$ 540.20

BCBS HRA Silver 

$ 108.49

$ 203.74 

$ 288.51

$ 383.76

BCBS HRA Bronze 

$   68.96

$ 136.54 

$ 205.50 

$ 273.08 

BCBS HMO 

$ 130.96

$ 241.94 

$ 335.69 

$ 446.67 

UHC HMO 

$ 166.23 

$ 301.91 

$ 409.78 

$ 545.45 

UHC HDHP 

$   51.01 

$ 106.02 

$ 167.80 

$ 222.82 

 

* NOTE: An Additional $80 will be added to the monthly premium shown above if you or your covered dependents use a tobacco product. 

 

Healthways Wellness

 

  • Healthways Wellness Incentives:

 

-Members will have access to a variety of Healthways’ tools, activities and services such as the Well-Being Assessment, wellness incentives, Well-Being Coaching, Biometric Screenings, and on-site activities

-Healthways will administer 2017 wellness incentives that will allow you to earn credits for offsetting certain health care costs

-Members can earn up to 480 well-being incentive credits toward medical expenses, plus an additional 480 credits for a covered spouse (total of 960 credits per household)

-For members who elect a BCBSGA Health Reimbursement Arrangement (HRA) Plan Option, SHBP will continue to fund HRA credits to your HRA plan to provide first dollar coverage (first out-of-pocket expenses) for those covered services requiring a deductible/co-insurance and pharmacy co-insurance  

-For members who elect BCBSGA or United Healthcare Health Maintenance Organization (HMO) Plan Option, SHBP will place these credits into an incentive account for you and use these incentive credits to help you offset certain health care costs such as co-payments and deductibles

-For members who elect UnitedHealthcare High Deductible Health Plan (HDHP) Option, SHBP will place these credits into an incentive account for you and use these incentive credits to help offset certain health care costs such as co-payments and deductibles.  IMPORTANT:  Before the earned well being incentive credits in the Incentive Account can be used, you will need to pay for covered services until the following amounts have been paid toward your deductible:

            You - $1,300

            You + Child(ren) - $2,600

            You + Spouse - $2,600

            You + Family - $2,600 

 

  • Incentive credits will roll over no matter which plan/vendor you choose if you remain continuously enrolled in an SHBP plan.

 

  • Initial HRA credits vary depending on the option/tier you choose for coverage.

 

 

2017 TRICARE SUPPLEMENT

 

A TRICARE voluntary, member-pay-all supplemental health benefit is available to SHBP eligible individuals who are also eligible for TRICARE which is the military health benefit program. The TRICARE Supplement does not participate in Healthways. This program is not available to members over age 65.  Please call 866.637.9911 for more information. 

 

2017 TRICARE SUPPLEMENT RATES 

 

STATE HEALTH BENEFIT PLAN
TRICARE SUPPLEMENT RATES
JANUARY 1 - DECEMBER 31, 2017

YOU

 

YOU + CHILD(REN)

 

YOU + SPOUSE

 

YOU + FAMILY

$60.50 

 

$119.50 

 

$119.50 

 

$160.50 

 

ADDITIONAL SHBP INFORMATION
 

  • If you have questions or concerns about PeachCare for Kids, please call 877.427.3224 for information.
     
  • Anyone enrolled in SHBP coverage will meet the Affordable Care Act’s (ACA) requirements to maintain health coverage with essential benefits. You may wish to explore your choices provided by the Affordable Care Act and the Health Insurance Marketplace Options; however, you are encouraged to make an informed decision. www.healthcare.gov

 

  • Dependent Verification

Remember!  Employees are required to submit official documentation to the SHBP to verify dependent eligibility for first time covered dependents.  (There is no need to re-verify dependents already on your plan.) Services will not be covered for any dependents that have not been verified by SHBP.  The dependent’s coverage will remain inactive (no claims will be paid) until the appropriate documentation is received and verified by SHBP. SHBP will not change the coverage tier because of a failure to verify dependent eligibility. 

 

  • Decision Guides

Employee Health Plan Decision Guides will be available at www.dch.georgia.gov/shbp. The information provided in this email is a summary of changes for the 2017 Plan Year.  It is intended only to highlight principal benefits.  Please refer to the Active Employee Decision Guide for more details.

 

  • New Employees hired after October 1, 2016 may not be able to go online to discontinue or enroll in State Health Benefit Plan insurance.  Please contact Beverly Kay at 229.671.6055 or email bkay@gocats.org to complete your enrollment.   

 

  • Any employee who is having difficulty going online will need to contact Beverly Kay at 229.671.6055 or Ext. 1055 for assistance. 

 

  • Contact numbers:

 

Blue Cross Blue Shield – 855.641.4862

            www.bcbsga.com/shbp

 

         UnitedHealthcare – 888.364.6352

            www.welcometouhc.com/shbp

 

Express Scripts – 877.841.5227

www.express-scripts.com/georgiaSHBP 

 

Healthways – 888.616.6411

www.bewellshbp.com 

 

SHBP Member Services – 800.610.1863

www.dch.georgia.gov/shbp