welcome to open enrollment for 2020. november 8. your ... · submitted by 5:00 pm on nov. 8. all...

Steps To EnrollStarts October 28» Log into www.

navigatemybene� ts.com

» New users must first register. The employer ID is “Canyons”

» Make your elections and review them carefully

» Print a copy of your elections

» Submit your elections and log out

Canyons School District9361 S. 300 EastSandy, UT 84070

NONPROFIT ORGUS POSTAGE PAIDSANDY UTPERMIT NO. 156

2020 Open Enrollment Highlights

Welcome to Open Enrollment for 2020.The Open Enrollment window is October 28 – November 8. Your elections must be submitted by 5:00 pm on Nov. 8. All changes will take effect January 1, 2020. Open Enrollment is mandatory. All benefit eligible employees, including new employees, must login and confirm their elections for 2020. We’re committed to reducing waste, and have condensed the benefit materials to this booklet. This booklet contains the most requested benefits information. Digital versions of the benefit materials, including a full benefit book, are available online at www.canyonsdistrict.org/open-enrollment. A limited number of paper benefit booklets will be available upon request from the Insurance Department.

What is staying the same?The contracted insurance carriers and plan designs will remain largely the same. The District absorbed the health insurance rate increase for 2020 so employees enrolled with the base level of coverage on either the traditional or the high deductible plans will not see a rate increase. Those who enroll on the Buy Up options will see a small rate increase as the additional cost of those plans is the responsibility of the employee.

What is changing?There are considerable enhancements to the HSA and the High Deductible plans. The District will increase the HSA contributions and enhance how those contributions are allocated. In 2020, the District will provide two separate contributions. The first is a direct contribution that will be allocated in equal amounts incrementally over the benefit year. The second is a dollar for dollar match contribution that will depend on the employee’s election amount. Please see the second page of this booklet for more information. New for the high deductible plan for 2020, PEHP will allow certain medications, largely considered preventive to treat chronic conditions, to be available with a copay before the full deductible is met. Unfortunately, not all of the changes are positive. EMI Heath needed to raise rates with the 2020 renewal, so there will be a small rate increase on the Dental and Vision plans. R

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New in 2020 – Enhancement to the District HSA ContributionBeginning January 1, 2020, the District will enhance the District’s employer contribution to employee health savings accounts (HSA). In addition to the District’s dollar for dollar match contribution, the District will also provide a direct HSA contribution that doesn’t require a match contribution from the employee. Please see chart for details.

District HSA Contribution

New District Direct Contribution

District $ for $ Match Contribution

Total available District Contribution Annual Limit

Single $400 $400 $800 $3,550

Employee + 1 $600 $600 $1,200 $7,100

Family $800 $800 $1,600 $7,100*A $1,000 additional catch up contribution is allowed for account holders age 55+

In 2020, there could potentially be three contributions to an HSA: the District’s direct contribution, the District’s dollar for dollar match, and the employee’s contribution.

Please Note: Due to the complexity of the District’s HSA contributions, the administration system has limited capabilities in managing the HSA Dollar for Dollar match contribution. Employees who don’t elect to contribute enough to receive the full dollar for dollar match may notice an inaccuracy in the total election amounts. This inaccuracy is the result of the system limitation and will be corrected manually post enrollment.

Example 1: An Employee with Family coverage wants to receive the full $1,600 HSA contribution from the District, they will need to elect at least $800 for the employee portion on the HSA election. The District will provide the direct contribution of $800, which will be allocated incrementally in equal amounts over the entire year. The District will also match the Employee contribution up to $800. The match contribution will depend on the amount of the employee contribution. The combined total contribution will be $2,400.Employee Election $800District Match Contribution $800District Direct Contribution $800Total HSA Contribution $2,400

Example 2: An Employee with Employee +1 coverage wants to maximize their savings in the HSA. They elect $5,900 for the year. The $600 direct contribution would be funded incrementally over the entire year. A dollar for dollar contribution of $600 would be funded incrementally based on the first $600 of the employee’s contribution. At that point the dollar for dollar match would end. The remaining $5,900 would be contributed by the employeeEmployee Election $5,900District Match Contribution $600District Direct Contribution $600Total HSA Contribution $7,100

Example 3: A Single Employee wants to receive the District Direct Contribution but doesn’t want to contribute their own funds to the HSA. They would elect $0 for the employee contribution. The District would provide the incremental contribution of $400 to the HSA but because the employee isn’t contributing their own funds, there wouldn’t be any match contribution from the District.Employee Election $0District Match Contribution $0District Direct Contribution $400Total HSA Contribution $400

Total HSA ContributionSingle: $1,200

Employee +1: $1,800Family: $2,400

District Dollar for Dollar Match

Single: $400Employee +1: $600

Family: $800

District 2020 Direct Contribution


Family: $800

Employee Contribution

Depending on coverage you can

elect up to the following:


Family: $800

HSA vs. FSAHSA

Standard Health Care FSA

Limited Purpose FSA Dependent Care FSA

Eligibility is based on your medical plan option enrollment

Star (Qualified High Deductible)

TraditionalStar (Qualified High

Deductible)Star (Qualified High

Deductible) or Traditional

Your account is opened automatically for you Yes

You can make contributions

Yes, you contribute pre-tax money up to the annual

IRS limits for 2020:*$3,550 for you only*$7,100 if you cover

dependents*An additional $1,000 ifyou're age 55 or older asof December 31, 2019

Yes, you contribute pre-tax money up to $2,700



How you can use your spending account

Eligible medical expenses like your annual deductible,

prescription drugs, or coinsurance, as well as

dental and vision expenses

Eligible medical expenses like your annual deductible,

prescription drugs, or coinsurance, as well as

dental and vision expenses

Eligible dental and vision expenses

Eligible expenses like child and disabled adult dependent

daycare

Your account balance rolls over from year to year Yes

No, you must use and submit your claims for any money you contribute to your 2020 account by March 15, 2021

You can roll over your unused balance and take it with you

Yes, You own the balance in your account and take it with you even if you leave Canyons School District

No, your FSA balance is a use-it-or-lose-it and you must use it in full each calendar year or by the end of the grace period. Funds set aside in an FSA don't roll over the next year.

You can invest your account balance

Yes, once your HSA balance reaches $2,000

No

Tax savings benefits

There's no tax when your contributions go in, no tax as your HSA money grows with interest, and no tax when you spend it on eligible medical,

prescription drug, dental, or vision expenses

There's no tax when your contributions go in and no tax when you spend your FSA money on eligible medical, prescription drug, dental, vision, or child and elder care

expenses (depending on the type of FSA you choose)

Expanded preventive drug coverage means that PEHP will pay a portion of the drug cost for certain qualified medications for the STAR High Deductible plans even before you meet your deductible. Please check the Canyons open enrollment website for details for which Rx are included in this program. Make sure to visit an in-network pharmacy to receive this benefit. Covered conditions include diabetes, cardiovascular, respiratory, and osteoporosis.

STAR High Deductible Plan Prescription Enhancement

Plan HighlightsMEDICAL Traditional HDHP (STAR Plan)

Deductible $850 Single$2,550 Family

$1,500 Single$3,000 Family

Total Out-of-Pocket Max



Coinsurance 20% AD* 20% AD*

Office Visit PCP: $30 copaySCP: $50 copay

PCP: $20 AD*SCP: $35 AD*

*After Deductible

DENTAL Value Advantage Copay Choice PPO Choice

IndemnityDeductible $0 $0 $50/$150 $50/$150

PreventiveUp to 70% fee

reductionNo waiting period

100%No waiting period



Basic Up to 60% fee reduction Fixed copays

80% AD3-month waiting

period


period

Major Up to 50% fee reduction Fixed copays


period


period

Annual Max No max No max $1,500 per participant*

$2,000 per participant**

*$2,000 max if you use an advantage plus provider; **$2,500 max if you use an advantage plus provider

VISION VSP Plus 10-130 VSP Plus 10-100Exam Copay $10 copay $10 copay

Frame Allowance$130 allowance at any VSP provider

or $70 at Costco, Sam's Club or Walmart

$100 allowance at any VSP doctor or $55 at Costco, Sam’s Club or

Walmart.Lasik Surgery Up to $500 in savings Up to $500 in savings

LONG-TERM DISABILITYBenefit Percentage

66 2/3% of gross monthly earnings

Monthly Maximum $5,000

Waiting Period 180 days

BASIC LIFE

Benefit Amount $32,000

Spouse and Each Dependent $3,000

These are only highlights, for more information please visit http://www.canyonsdistrict.org/insurance/open-enrollment

PEHP offers access to Intermountain Healthcare through the Advantage Network and coverage through MountainStar, Steward Health and U of U Healthcare systems in the Summit Network. Each of these options offers both a traditional and a qualified high-deductible health benefit plan (STAR), and each provides excellent benefits for you and your dependents.

Medical Plans• 2 Medical Plans• 2 Network Options

Dental/Vision Plans• 4 Dental Plans• 2 Vision Plans

VOLUNTARY LIFE

Benefit Amount

Increments of $10,000, up to the lesser of $500,000

or 5 times your annual earnings. If

you enroll when you are first eligible, you may purchase up to $200,000 without

medical underwriting.

Spouse

Increments of $5,000 up to the lesser of

50% of your salary or $250,000.

If you enroll your spouse when initially

eligible, you may elect up to $50,000 without medical underwriting.

Dependent Increments of $2,500 up to $10,000

Dental

Plan Name StatusEmployee

Semi-Monthly Contribution

Full Premium Monthly

Value Plan

Employee $0.50 $1.00

Employee + 1 $1.00 $2.00

Family $1.50 $3.00

Advantage Copay Plan

Employee $9.30 $18.60

Employee + 1 $16.85 $33.70

Family $26.40 $52.80

Choice PPO Plan

Employee $17.30 $34.60

Employee + 1 $31.45 $62.90

Family $49.25 $98.50

Choice Indemnity Plan

Employee $19.40 $38.80

Employee + 1 $35.45 $70.90

Family $55.45 $110.90

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Star (Qualified High Deductible) Plan Premiums

Full-Time Employee Portion

30-40 hours per week

.75 to 1.00 FTE day

Full Premium (District + EE Portion)

Semi-Monthly Monthly Annual

Base Network Option: Advantage/Summit

Single $45.31 $547.28 $6,567.36

Employee + 1 $72.91 $880.79 $10,569.53

Family $123.81 $1,495.64 $17,947.71

Buy-Up Network Option: Advantage/Summit

Single $72.01 $600.68 $7,208.10

Employee + 1 $115.88 $966.74 $11,600.85

Family $196.78 $1,641.57 $19,698.87


Single $41.67 $547.28 $6,567.36

Employee + 1 $67.07 $880.79 $10,569.53

Family $113.88 $1,495.64 $17,947.71

Buy-Up Network Option: Advantage/Summit

Single $68.37 $600.68 $7,208.10

Employee + 1 $110.04 $966.74 $11,600.85

Family $186.85 $1,641.57 $19,698.87

Please Note: Dual coverage is not compatible with the Qualified High Deductible Health Plan.

*Rates may vary for employees with contracts that are less then 12 months

**As per District Policy, effective January 1, 2019 all employees must be full-time (contracted to work 30 hours per week) in order to be benefit eligible.

RatesTraditional Plan Premiums

Full-Time Employee Portion

30-40 hours per week

.75 to 1.00 FTE day

Full Premium (District + EE Portion)

Semi-Monthly Monthly Annual


Single $95.74 $679.45 $8,153.40

Employee + 1 $154.08 $1,093.51 $13,122.12

Family $261.64 $1,856.86 $22,282.36

Buy-up Network Option: Advantage/Summit

Single $129.70 $747.37 $8,968.42

Employee + 1 $208.74 $1,202.83 $14,434.01

Family $354.46 $2,042.51 $24,510.13


Single $82.97 $679.45 $8,153.40

Employee + 1 $133.55 $1,093.51 $13,122.12

Family $226.78 $1,856.86 $22,282.36

Buy-up Network Option: Advantage/Summit

Single $116.93 $747.37 $8,968.44

Employee + 1 $188.21 $1,202.83 $14,433.96

Family $319.60 $2,042.51 $24,510.12

*Spouses who are both employed with the District are allowed to have dual coverageas long as they are both enrolled on the Traditional Plan and one employee enrolls infamily/couple coverage and the other elects single coverage.

**As per District Policy, effective January 1, 2019 all employees must be full-time (contracted to work 30 hours per week) in order to be benefit eligible.

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Vision

Plan Name StatusEmployee

Semi-Monthly Contribution

Full Premium Monthly

VSP Plus 10-100


Employee + 1 $6.20 $12.40

Family $9.75 $19.50

VSP Plus 10-130


Employee + 1 $6.75 $13.50

Family $11.25 $22.50

As a reminder, this is a highlights page. All benefit materials can be found at http://www.canyonsdistrict.org/insurance/open-enrollment

The Benefit Structure GuideCanyons School District offers eight medical plans in an effort to help you find the plan that best fits you and your family’s needs. If eight choices seems overwhelming, please use the guide below to help simplify your medical decision. There are three easy steps.

STEP 1Plan Design Selection: Traditional or Qualified High Deductible? There are only two types of plan designs: Traditional or Star (Qualified High Deductible Health Plan). Which plan better meets you and your family’s needs? The primary differences between the two plans are highlighted below.

Plan Designs

Traditional Health Plan Star (Qualified High Deductible Health Plan)

Higher Monthly Premium

Lower Deductible

Plan covers some benefits before deductible

Preventive Care is covered 100% before deductible

Lower out-of-pocket maximum

Standard FSA participation is available

Lower Monthly Premium

Higher Deductible

Plan does not cover any expenses until after deductible

Preventive Care is covered 100% before deductible Higher

out-of-pocket maximum

HSA and limited FSA participation is available

Certain preventive Rx covered with copay before deductible

STEP 2Network Choice: Advantage or Summit

Now that you know the plan design you prefer, the next step is to decide which network is best for you. Advantage or Summit? Advantage offers the Intermountain Healthcare network. Summit includes the MountainStar, HCA, Steward Health and University of Utah network of hospitals. You can also go online to www.pehp.org to search for facilities and providers.

Network Options

Advantage Summit

Intermountain Healthcare Network MountainStar, HCA, Steward Health and University of Utah

STEP 3Base or Buy-up: In-Network Only or In- and Out-of-Network

Once you know which plan design and network you need, the final step is to determine if you need the base or buy-up network. The buy-up plan allows you to go out of network where the base option is in network only. The base network of the PEHP plan (called Advantage and Summit) are in-network only.

Base Options Buy-Up Options

In-Network Benefits Only In- and Out-of-Network Benefits

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Navigate My Benefitswww.navigatemybenefits.com/Canyons

Navigate will be used for all employees to make benefit elections offered at Open Enrollment and for newly eligible employees. It will also be used to make changes due to qualifying events and to change personal information such as address and name changes due to marriage or divorce. This tool is available to use at anytime throughout the year.

If you are a NEW HIRE:Step 1. Go to www.navigatemybenefits.com/Canyons and click on ‘New User Registration’.

Step 2. Fill in the required fields. The company identifier is Canyons. Then click ‘Next’.

Step 3. Create a User Name and Password. Then check the ‘I Agree with the Employee Navigator terms of use’ before you ‘Finish’.

Step 4. Once logged in, the system will direct you through your required tasks and enrollments.

If you are IN OPEN ENROLLMENT:Step 1. Login at www.navigatemybenefits.com/Canyons and begin the enrollment process.

Step 2. Confirm all Personal Information is correct and click ’Save’ to begin benefits elections.

Step 3. Select all dependents you want to cover on each benefit and choose the plan you want. Complete this step for all benefits offered to you by your employer.

Step 4. Complete your Open Enrollment by reviewing all benefits (enrolled or declined) and click ‘Click to Sign’ to finish.

If you are MAKING A CHANGE DUE TO A QUALIFYING EVENT:Step 1. Login at www.navigatemybenefits.com/Canyons.

Step 2. Click on ‘Adjust Coverage’.

Step 3. Select the reason for your coverage change (i.e. Marriage, Newborn, etc.).

Step 4. Enter the date of change and any other required information to make the change.

Step 5. Complete enrollment and ‘Agree’.

If you are UPDATING PERSONAL INFORMATION:Step 1. Login at www.navigatemybenefits.com/Canyons.

Step 2. Click on ‘Profile’ or ‘View Profile’ then ‘Edit’ next to the field you want to update.

Step 3. Select ‘Edit’ and make necessary change and ‘Save’.

Although we are moving our open enrollment materials online, paper materials will still be available upon request at:

9361 S 300 E.Sandy, UT 84070

Benefits offered this year are:

Medical • Traditional Plan

• (STAR) Qualified HighDeductible Planwww.PEHP.org

800.765.7347

Dental • Value Plan

• Advantage Copay Plan

• Choice PPO Plan

• Choice Indemnity Plan

Vision• VSP 10-130 Plan

• VSP 10-100 Plan

www.EMIHealth.com800.662.5851

Long-Term DisabilityLife Insurance • Basic Life/AD&D

(100% Employer Paid)

• Voluntary Term Life/AD&D(100% Employee Paid)

• Long-Term Disability(100% Employee Paid)

www.MetLife.com800.638.5433

• HSA

• FSA

• Limited FSA

• Dependent Care FSAwww.DiscoveryBenefits.com866.451.3399

• Employee Assistance Program

800.926.9619

• Voluntary Accident Insurance

• Voluntary Critical Illness

• Voluntary Hospital Indemnitywww.Aflac.comLee Harmer 801.716.0084

• General Questions

801.826.5428

Mandatory Open Enrollment Dates:October 28 - November 8Benefit FairOctober 29,4:00 p.m. – 7:00 p.m.Mount Jordan Middle School

Steps To EnrollStarts October 28»Log into www.navigatemybene� ts.com

»New users must first register. The employerID is “Canyons”

»Make your elections and review themcarefully

»Print a copy of your elections

»Submit your elections and log out

Enrollment Clinics Mount Jordan Middle School Oct. 30th & Nov. 5th & 7th 3:00 pm - 5:30 pm

20BR-CSD

welcome to open enrollment for 2020. november 8. your ... · submitted by 5:00 pm on nov. 8. all...

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