benefits office, division of human resources 2011 open enrollment january 1, 2012 coverage changes...

Benefits Office, Division of Human Resources

20112011Open Open

EnrollmentEnrollment

Coverage Changes are Effective January 1, 2012January 1, 2012


Open Enrollment OptionsOpen Enrollment Options

*Dependent children must be age 26 or younger and not be currently enrolled in other EIP programs and must not be eligible for his own employer-sponsored coverage

• Add/ drop or switch Health plans

• Add or drop State Vision Plan

• Add or drop Dental/Plus Plans

• Add or drop dependents

• Enroll, drop or change Optional Life

• Add Dependent Life Child (19 up to age 25 if full time student)

• Cannot enroll spouse Dependent Life Spouse but can decrease or cancel

• Enroll/re-enroll in Flexible Spending Accounts


How to Make ChangesHow to Make ChangesPreferred MethodsPreferred Methods

• MyBenefits at https://mybenefits.sc.gov/

– All changes except MoneyPlu$

• MoneyPlu$- www.myFBMC.com

– MoneyPlu$ re-enrollment


Why Use MyBenefits?Why Use MyBenefits?

• Faster and more accurate processing

• Completed enrollment actions can be verified in the system if you lose your copy of the change

• Ability to submit a subsequent transaction if you change your mind

• Changes may be made until midnight on October 31, 2011

First time users must register


ReminderReminder

• To make both a beneficiary and enrollment change, you must make the beneficiary change first and 48 hours later make the enrollment change

• Print and retain a copy for your records and submit supporting documentation to your Human Resources office.


How do I Access MyBenefits?How do I Access MyBenefits?www.eip.sc.gov www.eip.sc.gov

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How do I Access MyBenefits?How do I Access MyBenefits?

MyBenefits Page MyBenefits login

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How do I Reenroll in MoneyPluHow do I Reenroll in MoneyPlu$$??www.MyFBMC.com www.MyFBMC.com

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Changes for 2012Changes for 2012

• BlueCross BlueShield of SC will administer mental health and substance benefits under Companion Benefit Alternatives, Inc.

• Provider network for mental health and substance abuse benefits is changed. Refer to the Doctor/Hospital Finder at www.southcarolinablues.com

• Increase in premiums

• Increase in Health Savings Account maximum

• Supporting documents required to add eligible dependents


Acceptable Supporting DocumentsAcceptable Supporting Documents

Dependent Type Documents Required

Legal Spouse Marriage license or page 1 of federal tax return

Former Spouse Divorce decree

Common Law Spouse Common Law Marriage Affidavit

Natural Child Long-form birth certificate

Stepchild Long-form birth certificate plus legal/common law spouse document

Adopted/Foster/Other Child Court documentation or letter of placement

Incapacitated Child Incapacitated Child Certification plus proof of relationship (see child documents)


Acceptable Supporting DocumentsAcceptable Supporting Documents

To find out how to obtain your supporting documents visit:

www.cdc.gov/nchs/w2w.htm

Changes requiring documentation will not be processed until documents are received

by your Human Resources office.


Optional LifeOptional Life

• Enroll and/or increase coverage in $10,000 increments up to $50,000 without providing medical evidence of good health

• For amounts above $50,000, medical evidence required

• $500,000 maximum benefit

• Decrease or cancel coverage.


2012 Rates2012 Rates


My Insurance ManagerMy Insurance Manager

• Review claim status

• View and print Explanation of Benefits (EOB)

• View amount paid toward annual deductible and coinsurance maximum

• Ask customer service a question

• Locate network providers


MoneyPlu$MoneyPlu$• First-time MoneyPlu$ subscribers must see your

Human Resources Office to enroll

• Current MoneyPlu$ spending account(s) participants can re-enroll online. If you are planning to retire in 2012, see your Human Resources Office to re-enroll in the Medical Spending Account.

• Some restrictions apply

• Visit FBMC’s web site www.myFBMC.com


MoneyPlu$-Grace PeriodMoneyPlu$-Grace Period

• Can incur expenses through March 15, 2012 provided your account is active on December 31, 2011 and you re-enroll in 2012

• Rule applies to Medical Spending Accounts and to “limited use” Medical Spending Accounts


Remember During Grace PeriodRemember During Grace Period

• Medical Spending Account claims for services delivered in 2012 received during the grace period will be paid with unspent 2011 money first

• If you wait to file claims for 2011 expenses, your 2011 account may be exhausted


EZ REIMBURSE® MasterCard®EZ REIMBURSE® MasterCard®

• Reimbursement for over-the-counter medications is no longer covered

• $10 annual fee deducted from Medical Spending Account


Health Savings AccountHealth Savings Account

• HSA contributions -- limits and “catch-up” provision

• 2012 contributions limited to $3,100 for individuals $6,250 for family

• Catch-up provisions for individuals age 55 and older allows for an additional $1,000


RemindersReminders• Check your December 15th payroll to confirm

premiums reflect your coverage changes and the January 15th payroll for Medical Spending Account, Dependent Day Care changes

• Print off a copy of any on line transactions and provide all required documentation if adding dependents

• Keep a copy of any paper forms completed

• Call the Human Resources office for assistance


QUESTIONS QUESTIONS

benefits office, division of human resources 2011 open enrollment january 1, 2012 coverage changes...

Documents

human resources office

mental health

supporting documentation

enrollcurrent moneyplu

firsttime moneyplu

enrollment changeprint

beneficiary change

spouse dependent life