Open Enrollment is Coming – Monday, October 31, through Friday, November 11. This is your once-a-year opportunity to enroll in, or make changes to your benefits.
Beginning October 31, 2016, you can make changes to your coverage by logging in to the ADP Portal https://portal.adp.com Next week we will be sending more information about how to navigate the portal.
2017 Healthcare Plan and Voluntary Benefit Plan Changes
In 2017, the University System of Georgia will continue to offer 4 healthcare plan options to our active employees.
Changes to our healthcare plans:
- On the Consumer Choice HSA healthcare plan, there will be an increase to the in-network deductibles from $1,500 to $2,000 for single coverage and $3,000 to $4,000 for family coverage and an increase to the out-of-network deductibles
- from $3,000 to $4,000 for single coverage and $6,000 to $8,000 for family coverage
- On the Consumer Choice HSA healthcare plan, there will be an increase to the in-network out-of-pocket maximum from $6,850 to $7,000
- On the BlueChoice HMO healthcare plan, there will be an increase in Specialist and Urgent Care co-payments from $50 to $60 and an increase in Emergency Room co-payment from $250 to $300
- Tobacco certification will default to the prior year election. If you make a change during open enrollment, you will be prompted to certify your tobacco use and for dependents 18+ if enrolled in a USG healthcare plan
- Health Savings Account individual annual contribution limit will increase from $3,350 to $3,400
- On the GRA healthcare plan, there will be an increase in the out-of-pocket maximums to $1,900 (single) and $3,800 (family)
2017 Voluntary Benefit Plans Information
We are adding four new voluntary benefit programs for active employees.
New Voluntary Benefit plans:
- USG Critical Illness (Aflac) – This coverage assists you with meeting financial obligations, such as medical bills and deductibles, as well as indirect costs (mortgage payments and other ongoing living expenses) when experiencing a critical illness covered under the plan
- USG Accident (Voya) – Provides you with hospital, physician, accidental death and catastrophic accident benefits in the event of a covered accident
- USG Hospital Indemnity (Voya) – Helps offset out-of-pocket medical costs, such as high deductibles and coinsurance, as well as everyday living expenses during a covered hospital stay
- USG Legal plan (LegalEASE) – Helps pay for attorney fees for services such as wills, home sale/purchase, adoptions, divorce, consumer protection, tax audit, etc.
Dental Plan – Delta Dental
No changes to the plan benefits. Dental Rates will increase by 1.7% on the base and high plans.
Vision Plan – EyeMed
No changes to the plan benefits or premiums.
Life Plan – Minnesota Life
No changes to plan benefit or premiums.
You will be allowed to increase 1x salary up to the lessor of 3x salary or $500,000 without Evidence Of Insurability (EOI). Spouse life requires EOI and Child Life does not require EOI.
A reminder to be sure you have your beneficiary designations up-to-date.
Short and Long Term Disability – MetLife
No changes to the plan benefits.
Long Term Disability premiums will increase 3%.
Flexible Spending Accounts and Health Savings Accounts – Optum
No changes to the plan benefits or account fees.
A reminder that you must enroll each year for participation in a Flexible Spending Account. This benefit election DOES NOT rollover from year-to-year.
Health Savings Accounts – Optum
No changes to the plan benefits or account fees.
The HSA match will remain the same in 2017 with a maximum match limit of $375 for individual and $750 for family coverage.
LifeStyle Benefits – LifePerx
On LifeStyle Benefits, the Legal Care has been removed from all of the package options. In Option A, since it included only Identity Theft and Legal Care, Legal Care has been replaced with Tax Help Line. All Options have lower rates for 2017.
Decision Support Tools and Resources
We will continue to encourage our employees to take advantage of the support tools and resources we provide during Open Enrollment and throughout the year such as a Plan comparison tool is available at www.bcbsga.com/usg to help employees compare out of pocket costs between the plans.
New ID cards will be mailed to employees enrolled in the Consumer Choice HSA and BlueChoice HMO due to the plan design changes. Employees switching plans, adding coverage, or adding dependents for 2017 will receive a new ID card as well. As a reminder, employees and non-Medicare eligible retirees enrolled in a BCBSGa plan will not receive a separate card for their pharmacy benefit. Medical and pharmacy information is included on one card.
If you do not enroll or make changes during Open Enrollment, your coverage will remain the same as it is in 2016.
Your life. Your health. Your choices. Learn more about your 2017 benefits