Valdosta City School District

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VCS Open Enrollment 2019

VCS Open Enrollment 2019

The annual Open Enrollment Period for the 2019 Plan Year begins at 12:00 a.m. on October 15, 2018, and will close at 11:59 p.m. on November 2, 2018.

 

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

 

If you do not want to change any benefits for the 2019 Plan Year, do nothing and everything will remain the same.

The 2019 Plan Year will begin January 1, 2019 and go through December 31, 2019.  Your new coverage will begin January 1, 2019.  Premium changes will be seen in your December 2018 check.

                        

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

 

Lincoln Dental and Vision Coverage

Ronnie Troutman, our Lincoln Representative, will be coming to your school to help with enrollment and changes.  He will be posting his schedule at each school.  Please speak to him about deciding on a plan to fit your needs.  If you do not want to make any changes, do nothing and your coverage will remain the same for the 2019 plan year. 

 

Lincoln Dental and Spectera Vision Rates 2019 (no change from 2018)

 

Dental Passive PPO (any dentist)

Dental Network

Spectera Vision

Employee

$34.42

$31.74

$8.36

Emp/Spouse

$76.44

$70.38

$16.12

Emp/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.

 

You will not be issued a card for Spectera Vision coverage.  Please use your social security number to verify coverage.

 

Please contact our Lincoln Financial Group representative, Ronnie Troutman, at 229.333.0420 with any questions.

 

AFLAC

Troy Black, our AFLAC Representative, 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 2019 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 an added 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 individual or family life insurance products.  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 Hyatt Legal Plan that provides legal representation for you, your spouse, and dependents at an affordable price.  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 while you are disabled from your employment.  Please contact our Lincoln Financial Group representative, Ronnie 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:

 

MetLife:  Nick Nickerson – 229.444.2094 or Gordon McElrath – 229.251.1948          VALIC:  Brad Skinner – 229.305.6378 or Debbie Smith – 229.292.1003

                    

The Hartford

The Hartford is employee life and long term disability insurance which 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 update.

 

TRSGA – Teachers’ Retirement System of Georgia

Remember…TRS Statements are available online only.  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.

Phone:  800.352.0650

 

PSERS – Public School Employee Retirement System of Georgia

Remember…PSERS Statements are available online only.  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. 

Phone:  800.805.4609

 

ERSGA – Employees Retirement System of Georgia

Remember…ERS Statements are available online only.  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. 

Phone:  800.805.4609

 

 

State Health Benefit Plan

Go to www.dch.georgia.gov/shbp  to see information from SHBP to help choose a plan.

 

The annual Open Enrollment Period for the 2019 Plan Year for State Health Benefit Plan (health insurance) begins at 12:00 a.m. on October 15, 2018, and will close at 11:59 p.m. on November 2, 2018.

 

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

 

The 2019 Plan Year will begin Jan. 1, 2019 and continue through Dec. 31, 2019.

 

Please remember any premium changes will be seen in your December 2018 check.

 

If you are currently enrolled in State Health Benefit Plan and do not go online to make a 2019 change, you will remain in the same Plan you elected in the previous 2018 Plan year.  The tobacco surcharge will only be charged to you if you paid it in the 2018 Plan year.

 

Employees may make their health benefits selection/change online at the State Health Benefit Plan employee portal at www.mySHBPga.adp.com.  If you have previously registered and 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 have never registered, go to www.mySHBPga.adp.com and click on “Register Here” and follow the prompts.

 

First-time users must use the Registration Code: SHBP-GA 

  • After making your selection, 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 2019 Plan Year. Once Open Enrollment is closed, you will be able to go online to myshbpga.adp.com and view your 2019 election, or declare a qualifying event.   
  • To help 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. 
  • You cannot elect coverage with your mobile device (phones, ipads, etc.).
  • The latest version of Adobe Flash must be on each user’s computer. 

 

SHBP ADDITIONAL INFORMATION

 

SHBP Member Services has extended hours for Open Enrollment. Monday – Friday 8:30 a.m. to 7:30 p.m. and Saturday 8:00 a.m. to 5:00 p.m. 

 

Members will receive new Member ID cards before January 1, 2019. Due to mailing restrictions, members may receive cards at different times.  

 

Blue Cross Blue Shield GA has changed its name to Anthem Blue Cross Blue Shield GA.

 

SHBP PLANS

 

Members will choose from the following plans for 2019:

 

-Anthem Blue Cross Blue Shield GA (Anthem)

  1. Health Reimbursement Arrangement (HRA) Gold
  2. Health Reimbursement Arrangement (HRA) Silver
  3. Health Reimbursement Arrangement (HRA) Bronze

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

-UnitedHealthcare High Deductible Health Plan (HDHP)

 

Anthem 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 Anthem 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.
 
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”

-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

-You must meet your deductible before receiving pharmacy coverage

-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

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

-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

-UHC HMO matches the first 240 well-being credits earned by the member only (spouses are not eligible)

-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

 

2019 Rates – (No change from 2018)

  

January 1 - December 31, 2019

Plan

You

You + Child(ren)

You + Spouse

You + Family

BCBS Gold

$168.73

$307.13

$418.09

$556.50

BCBS Silver

$110.89

$208.80

$296.62

$394.54

BCBS Bronze

$72.45

$143.46

$215.91

$286.92

BCBS HMO

$135.65

$250.90

$348.63

$463.89

UHC HMO

$172.56

$313.65

$426.14

$567.22

UHC HDHP

$58.03

$118.94

$185.62

$246.54

         

 

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

 

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 Sharecare.   This program is not available to members over age 65.  Please call 866.637.9911 for more information. 

 

2019 TRICARE SUPPLEMENT RATES

 

STATE HEALTH BENEFIT PLAN
TRICARE SUPPLEMENT RATES
JANUARY 1 - DECEMBER 31, 2019

YOU

 

YOU + CHILD(REN)

 

YOU + SPOUSE

 

YOU + FAMILY

$60.50

 

$119.50

 

$119.50

 

$160.50

 

SHBP PLAN REMINDERS

  1. CVS Caremark has been selected to administer prescription drug pharmacy benefits for members who choose BCBSGA or UnitedHealthcare.  This does not mean members will have to go to a CVS Pharmacy for their prescriptions. CVS Caremark has a broad pharmacy network.
  2. The tobacco surcharge has not changed; it will continue to be $80.00 per month.
  3. Open Enrollment (OE) and certain qualifying events (QE) are opportunities to add eligible dependent to your coverage. SHBP requires documentation confirming eligibility of newly added dependents covered under the Plan.  Please see the Eligibility and Enrollment Provisions at shbp.georgia.gov for the acceptable documentation.  Upon request, be prepared to submit this documentation.  If you elect to cover dependents and do not provide documentation necessary to verify eligibility by the deadline, your dependents’ coverage will be terminated and no refund will be issued.    
  4. If you have questions or concerns about PeachCare for Kids, please call 877.427.3224 for information.
  5. Employee Health Plan Decision Guides are available at dch.georgia.gov/shbp. 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.
  6. Sharecare (owned by Healthways) will administer well-being resources and incentive programs for members.
  7. Hearing Aid Benefit: Effective 1-1-2018, the benefit allowance for hearing aids for children up to age 19 is $3,000.00 per hearing impaired ear every 4 years. 

Sharecare Wellness

 

Sharecare Wellness Incentives:

 

2019 Wellness Incentives for Anthem and UnitedHealthcare

 

Sharecare provides members who elect Anthem Blue Cross Blue Shield and UnitedHealthcare (non-MA) with well-being resources and incentive programs.

 

  • Health actions must be completed and all documentation received by Sharecare between January 1, 2019 and November 30, 2019 in order to earn the well-being incentive points.
  • Employees who elect Anthem Blue Cross Blue Shield and UnitedHealthcare will have access to a variety of Sharecare tools, activities and services such as the RealAge Test, Wellness Incentives, Well-Being Coaching, Biometric Screenings, and Onsite Activities.
  • Members and their Covered Spouse can each earn 480 well-being Incentive Points and choose to redeem in the SharecareRedemption Center for either: 1) a $150 Visa Gift Card (when redeeming all 480 well-being incentive points earned in 2019) OR 2) 480 well-being incentive credits (to apply toward eligible medical or pharmacy expenses).
  • Go to BeWellSHBP.com or call 888.616.6411 for more wellness incentive details and information.

 

If you are planning to retire soon:

 

  • In order to continue your State Health Benefit Plan (SHBP) coverage as a retiree, you and any dependents

you want covered must be enrolled in the Plan while you are an active employee immediately prior to your

retirement. If you are not enrolled in the SHBP and wish to carry coverage as a retiree, you will need to enroll

during Open Enrollment the year prior to your retirement

 

  • If you make a change during Open Enrollment but retire before the change can become effective on January 1, your elections prior to Open Enrollment, including your Plan Option, Tier and covered dependents will remain the same 
  • If you are retiring and under age 65, and 1) fall under the Annuitant Basic Subsidy Policy then your Plan Options and rates are the same as for active employees and the Tobacco Surcharge question will apply or 2) fall under the Annuitant Years of Service Subsidy Policy then your Plan Options are the same as for active employees, but your rates are based on your Years of Service in a State retirement system (e.g., TRS or ERS), and the Tobacco Surcharge question will apply
  • If you are retiring and are age 65 or older (or will be turning age 65 at retirement), you have the option of enrolling in a Medicare Advantage with Prescription Drugs (MAPD) Plan Option if you submit your Medicare Part B enrollment information, or remaining in a non-MA Commercial option. Medicare Advantage Plan Options are the only Plan Options subsidized by SHBP for Retirees age 65 and older 
  • Once retired, you will have a Retiree Option Change Period (ROCP) that will allow you to only change your Plan Option
  • You may add dependents only if you have a qualifying event (QE) because Retirees do not have an Open Enrollment Period
  • Please refer to the Retiree Decision Guide for additional information regarding your SHBP coverage and options as a retiree

Annuitant Subsidy Policies

 

The State Health Benefit Plan (SHBP) has two subsidy policies that determine the amount of subsidy Annuitants (Retirees) will receive from SHBP to cover the cost of their premiums.  The amount of the subsidy a Retiree receives from SHBP lowers the monthly premium amount Retirees pay for their SHBP coverage.  The two subsidy policies are:

         

          Annuitant Basic Subsidy Policy (Old Policy)

          Annuitant Years of Service Subsidy Policy (New Policy)

 

SHBP rate calculators are available online at www.shbp.georgia.gov to assist Retirees with estimating their premiums during the 2019 Plan Year.  For questions regarding the Policies, please contact the SHBP Member Services Center at 800.610.1863.  

 

The information provided in this email is a summary of changes for the 2019 Plan Year.  It is intended only to highlight principal benefits.  Please refer to the Active Employee Decision Guide for more details 

 

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:

 

Anthem Blue Cross Blue Shield – 855.641.4862

          www.bcbsga.com/shbp

 

          UnitedHealthcare – 888.364.6352

          www.welcometouhc.com/shbp

 

CVS Caremark – 844.345.3241

http://info.caremark.com/shbp

 

Sharecare – 888.616.6411

www.bewellshbp.com

 

SHBP Member Services – 800.610.1863

www.dch.georgia.gov/shbp

 

SHBP portal

www.mySHBPga.adp.com

 

TRICARE Supplement – 866.637.9911

www.selmantricareresource.com/ga_shbp