2018 OPEN ENROLLMENT
Open Enrollment begins November 15, 2017 and will last through November 20, 2017. Due to the lateness of Open Enrollment this year we will have a passive enrollment. Passive enrollment means that if you do not need to enroll, make a change or make a demographic change, you do not need to do anything. Whatever coverage and coverage levels you have today will be what you have for plan year 1/1/2018-12/31/2018. Your current election(s) are listed below. Eligibility has not changed. If you have any questions please contact Deena Burks. Again, if you do not need to make a change or are not interested in benefits, you do not have to do anything, your current elections* will be what you have for plan year 1/1/2018- 12/31/2018. However, if you do need to enroll, make a change or update demographic information you can meet with an enrollment counselor. To change an election amount to your Health Savings Account (H.SA) or Flexible Spending Account/Dependent Care Account (FSA/DCA) the form can be found online and submitted to Human Resources without having to meet with an enrollment counselor.
We will have enrollment counselors from Colonial Life to assist with your medical, dental, vision, life and ancillary enrollment on a limited basis in all buildings. To sign up for a time to meet with a counselor, you will sign-up in the front office of your building.
Effective 1/1/2018, We will remain with Humana for group medical coverage. There was no plan cost increase however there has been an adjustment to the contribution strategy which will affect your per pay contribution. Additionally, with the exception of the HDHP $2650; all plans will remain the same with no change in deductibles, coinsurance, or copays. On the HDHP $2650, to be in compliance with federal guidelines, the individual deductible will increase to $2700 and the family deductible will increase to $5400.
As part of being a Humana member you also have access to several benefits as a result of that. These benefits include but are not limited to Humana Vitality and EAP. The document below explores those member value adds.
- Clinical Programs Value Add
- Doctor on Demand Value Add
- EAP Value Add
- Go 365 Value Add
- Humana Mail order Value Add
- Preventive Services Value Add
- Vision Discount Value Add
- Weight Watchers Value Add
For cost specific information, questions or concerns please contact Deena Burks.
*Benefit Summaries are only a snapshot of the plan. The plan document details how the actual benefits pay through claims. Actual payments of services could vary from benefit summary. Please contact Insurance Services for a detailed benefit document.
2017 Summary of Benefits & Coverage
These documents are required to be accessible due to the Affordable Care Act. In the Summary of Benefits & Coverage it goes more in depth on how the benefits pay and offers a few scenarios to help guide you on how the benefit works.
Did you know?
As part of your medical coverage, you are allowed 1 basic eye exam visit per member per year at an in network Ophthalmologist. Go to www.humana.com Find a doctor; to access updated lists.
CompDent (Closed Enrollment; you can only make changes on this plan if you are currently enrolled on this plan)
Health Savings Account (HSA) Information
A Health Savings Account is only available if you elect to have the High Deductible Health Plan (HDHP). The HSA gives you the ability to use pre-taxed deductions to save for healthcare costs including dental and vision. If you are enrolling in the HSA for the first time, in order to get the Corporation’s contribution or in order to contribute from your pay, you have to open an HSA at Mainsource Bank on Grant Line Rd.
- Refer to NAFCS – 2018 OE Guide
- To make a change to your HSA contribution fill out the following and interoffice/email to Deena Burks 2018 Health Savings Account Election
- To enroll in an HSA fill out the attached and interoffice/email to Deena Burks or you can go directly to the Grant Line Rd Branch and open an account HSA Enrollment Form HSA Easy instructions
Flexible Spending/Dependent Care Account (FSA/DCA) Information
We use Ameriflex as our Flexible Spending/Dependent Care Account administrator.
A FSA allows you to use pre-taxed dollars on healthcare costs including dental and vision. With an FSA you elect an annual amount to be withheld from your pay. That amount must be spent by the end of the grace period or that money is forfeited. In most instances you will be able to use your FSA card supplied by Ameriflex. However, if it is not able to be auto-substantiated you will have to supply receipts.
A limited FSA is for use if you have an HSA. It can only be used for dental and vision expenses if you have an HSA. If you are not contributing to an HSA but have a High Deductible Health Plan, you can have a full FSA and use it for medical, dental and vision.
A DCA allows you to use pre-taxed dollars on dependent day care costs. With a DCA you elect an annual amount to be withheld from your pay. That amount must be spent by the end of the grace period or that money is forfeited. To get reimbursed on a DCA all receipts showing payment to a qualified childcare provider must be submitted.
To make a change to your contribution (only allowed during open enrollment) fill out the following and interoffice/email to Deena Burks 2018 FS DC Account Election
Below please find the benefit summary on how the plan works. Anthem is the carrier for this benefit. To find in network providers go to www.anthem.com>find doctors and select Blue View Vision product.
Voluntary Benefits Information
Colonial Life is our voluntary benefits provider. Below is plan information and cost.
- Group Cancer Level 3 with Additional Benefits
- Group Cancer Level 4 with Additional Benefits
- NAFCS Group Critical Care Brochure
- NAFCS Group Accident Brochure
- NAFCS Group Disability brochure
- Voluntary Life Benefit Summary & Rates
- Voluntary Benefit Rates
As a NAFCS employee you have the opportunity to contribute to a 403(B). We use Edward Jones Financial Advisors with One America Investment lines. Edward Jones Advisors will be doing one-on-one meetings to enroll you and/or make changes to your 403(B) program. They will be in buildings starting in November. See school Administrative Assistants for sign ups. Any enrollments done in November will take effect on the first pay of December 2016.