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Open Enrollment October 3 – October 31, 2012

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OGB Annual Enrollment



The Office of Group Benefits (OGB) Annual Enrollment is from October 3 – October 31, 2012.  This is the time to make changes to your current insurance and/or enroll in new benefits, effective January 1, 2013.  For more information, please visit the OGB website click here.   Attachment are the enrollment forms, rate schedule, meeting dates and medical benefits comparison.


 

 

LCTCS CENTRALIZED PAYROLL MEMORANDUM

#2012-32

TO:                         All Employees of Louisiana Community & Technical College System

Operations Office,  Baton Rouge Community College, Bossier Parish

Community College, Capital Area Technical College, Central

Louisiana Technical Community College, Delgado Community College,

L. E. Fletcher Technical Community College,  Louisiana Delta Community College,  Nunez Community College, River Parishes Community College, South Central Louisiana Technical College,  South

Louisiana Community College, SOWELA Technical Community College,

Northshore Technical Community College, and Northwest Louisiana

Technical College,

 

 

FROM:                  Lura A. Kamiya

LCTCS Human Resources Director

 

DATE:                    October 1, 2012

 

RE:                          Annual Benefits Enrollment Set October 1, 2012 through

October 31, 2012

 

Annual Benefits Enrollment is the time when you are allowed, as a current group benefit medical plan participant (whatever plan choice you made), to switch to any medical plan offered in your coverage area for the new plan year with a waiver of pre-existing conditions. 

Important Timelines:

 

October 31, 2012* Deadline for Group Medical/Life Enrollment Forms Submission to HR

October 31, 2012* Deadline for Active Employees to Submit Flexible Benefit

Forms to HR

January 1, 2013 New Benefit Plan Year Begins

 

 

Scantron Forms for Current Participants

Scantron forms are required to be submitted to your local Human Resources representative only for current participants with a change of plan or covered dependents.

 

Enrollment Forms for New Participants

New participants are required to complete an enrollment form and must do so with their local Human Resources representative.  Individuals, who have been employed over 30 days and are not current group benefit medical plan participants, will be considered late applicants and will be subject to pre-existing condition limitations without proof of prior group coverage.

2013 Annual Enrollment Information may be obtained by accessing the Office of Group Benefits website: https://www.groupbenefits.org/portal/page/portal30/SHARED/O/OGBWEB/EXPLORE_OGB

 

2013 Medical Plan Options

  • PPO (nationwide) administered by Blue Cross/Blue Shield
  • HMO (nationwide) administered by Blue Cross/Blue Shield
  • HDHP – High Deductible Health Plan (nationwide) administered by Blue Cross/Blue Shield – Note that the CDHP – Consumer Driven Health Plan – offered in Plan Year 2012 is replaced by this plan.

Enrollment in the HDHP plan is a prerequisite for enrollment in an HAS – Health Savings Account.

  • Medical Home HMO (Regions 5-9) administered by Vantage Health Plan

Participants now enrolled in a plan that will be discontinued in 2013 must choose a new plan – or OGB will choose for you.

 

  • No person can be enrolled simultaneously as an employee and as a dependent in OGB health plans or life insurance
  • No dependent can be covered by more than one employee
  • The spouse of a dependent cannot be covered as a dependent
  • Plan member must provide proof of the legal relationship of each covered dependent within 30 days of date of application for coverage
  • A child may be covered as a dependent up to age 26

 

2013 Medical Premium Rates for the PPO and HMO plans remain the same.  The HDHP plan continues the premiums of the previous CDHP.  The Medical Home HMO has new reduced rates:  https://www.groupbenefits.org/ogb-images/docs/premium_rates_2013.pdf .

 

2013 Group Life Insurance

  • Current contract with Prudential Life Insurance ends December 31, 2012
  • OGB indicates the contracting process is underway and there may be a change in administrator with a change in premiums and benefit amounts
  • Further information will be given as it is provided by OGB

Health Savings Account – H.S.A. –  Including Some Changes for 2013 – allows contributions through payroll of a maximum of $3,250 for individual coverage, $6,450 for family coverage and ability to add $1,000 more each year if age 55 or older

  • Participants current enrolled in the H.S.A. option MUST complete a new contribution form
  • New participants must complete an H.S.A. application and contribution form
  • Bancorp Bank is the new bank for H.S.A. accounts and any contributions made for the new plan year requires an account be opened with Bancorp Bank.
  • Current participants in the H.S.A. may choose to leave prior funds with the previous bank, however, the employee will then pay fees associated with that account.  In order to have the state pay the fees associated with the H.S.A. account, the participant must elect to transfer funds to a Bancorp Bank account.
  • Once the account is opened, the $100 state contribution is processed
  • Payroll deductions up to a maximum of $400 is matched dollar for dollar
  • You cannot participate in the H.S.A. if you or your spouse have a General-Purpose FSA, medical coverage under a non-HDHP, TRICARE coverage, used any VA benefits within the previous 3 months, or have Medicare Part A or Part B
  • Current participants in a General-Purpose FSA must have $0 balance on or before December 31, 2012 to be H.S.A. eligible on January 1, 2013 or a $0 balance on or before March 15, 2013 to be H.S.A. eligible on April 1, 2013
  • Must have the Premium Conversion option in order to elect the H.S.A. option
  • Reimbursement is limited to current account balance
  • IRS use-or-lose rule does not apply
  • If you changes health plans or jobs, or retires, H.S.A. is yours to keep
  • From age 65 on, H.S.A. dollars can be used for any health care or non-health care expense with no penalty

2013 Flexible Benefit Plan Options – allows for savings of federal and state taxes on contributions made towards elected benefit options that qualify under the flexible benefit plan.

Once an employee elects participation in the flexible benefit plan, all benefit options under the flexible benefit plan remain in place for the plan year, unless the individual has an IRS Qualifying Event:  change in legal marital status, change in number of dependents, change in employment status, spouse’s annual enrollment, or change in leave (FMLA, Military or Unpaid), change in eligibility of dependent, Medicare and Medicaid entitlement, HIPAA special enrollment (marriage, birth of a child or adoption).  The election you make during this annual enrollment period will apply for the entire 2013 plan year beginning January 1, 2013 and ending December 31, 2013.

 

Employees participating in the Flexible Benefit Plan may choose one or more of the following options:

  • Premium Conversion Option (no fee) allows premiums for eligible plans to be paid on a pre-tax basis.  As a result you will see more dollars in your pay check.  You are not required to re-enroll each year for this option but must complete a form if you wish to discontinue the option.
  • Dependent Care Flexible Spending Arrangement (administrative fee of $1.50/pay) allows money to be deducted from your paycheck on a pre-tax basis for dependent care expenses for a child 12 years of age or younger or an older dependent incapable of self-care.  You must re-enroll in this program each year during annual enrollment.

ü  May participate even if not enrolled in the premium conversion option

ü  May participate even if not enrolled in an OGB health plan

ü  Yearly maximums are $2,500 for single parent or married filing separately, $5,000 for single head of household, or $5,000 for married filing jointly.

ü  The maximum for the Dependent Care FSA is a “family maximum”

ü  The Dependent Care FSA is not “pre-funded.”  You can only be reimbursed for an amount up to the total you have deposited in your account at any given point in the year.

ü  Participants in the Dependent Care FSA are required to file an IRS Form 2441 each year.

  • General-Purpose Health Care FSA (administrative fee of $1.50/pay) allows from $600 to $2,500 to be deducted from your paycheck on a pre-tax basis for out-of-pocket medical expenses not covered by your health plan.

ü  You must have been continuously employed as an active, full time employee at least twelve consecutive months from January 1, 2012 through December 31, 2012

ü  You can only enroll during annual enrollment or after an IRS qualifying event

ü  You must re-enroll in this program each year

ü  You must choose an amount to be deducted from your pay and deposited into your FSA

ü  Your entire annual election amount is available to you on the first day of the plan year, even if it exceeds your year-to-date deposits to the account

ü  The General-Purpose Health Care FSA and the Dependent Care FSA are separate accounts and money cannot be transferred between them

ü  Eligible dependents are your spouse and/or any unmarried dependent children younger than 27, or disabled or handicapped children who depend primarily upon you for support

ü  Doctor’s prescriptions and receipts are needed for reimbursement of eligible over-the-counter drugs and medicines

ü  May participate even if not enrolled in the premium conversion option

ü  May participate even if not enrolled in an OGB health plan

  • Limited-Purpose FSA (administrative fee of $1.50/pay) allows you to set aside from $600 to $2,500 to be deducted from your paycheck for eligible out-of-pocket dental and vision expenses only.

ü  You must have been continuously employed as an active, full time employee at least twelve consecutive months from January 1, 2012 through December 31, 2012

ü  You can only enroll during annual enrollment or after an IRS qualifying event

ü  You must re-enroll in this program each year

ü  You must choose an amount to be deducted from your pay and deposited into your FSA

ü  Can be used with a Health Savings Account; but cannot be used with a General-Purpose FSA

ü  Eligible dependents are your spouse and/or any unmarried dependent children younger than 27, or disabled or handicapped children who depend primarily upon you for support

 

The “Use it or Lose it” Rule applies to all flexible spending accounts.  This means that monies remaining in the account will not be refunded to the individual.

  • There is a Grace Period during which participants have from January 1, 2013 to March 15, 2013 to incur eligible expenses and be reimbursed from funds remaining in their FSA accounts at the end of the preceding plan year ending December 31, 2012.
  • There is also a Run-Out Period from March 16, 2013 to April 29, 2013 during which participants are allowed to submit eligible expenses incurred during the preceding plan year ending December 31, 2012 and the Grace Period ending March 15, 2013 for claim payment.

 

The elections made during this OGB annual enrollment for the plan year January 1, 2013 through December 30, 2013.

All Employees Are Encouraged to Attend An Annual Enrollment Meeting where information will be distributed.  Dates of the meetings are available on the OGB website.