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2019 Annual Benefit Open Enrollment

  • Open Enrollment Period – October 15, 2018 through October 25, 2018.
  • Coverage Effective Date for All Changes – January 1, 2019
  • Enrolling a spouse/registered domestic partner - requires a copy of the marriage certificate/official documentation with the completed enrollment form.

Premium have changed for 2019
See premium rate sheet below

No election form needed if not changing coverage. Coverage options - 1) Anthem Blue Cross PPO 80, 2) Anthem Blue Cross Traditional HMO and 3) Kaiser HMO.

Links to 2019 benefits summaries and carrier information:

Opting out of medical and/or dental coverage?

Complete Waiver – (When opting out of Medical)

You are required to sign a “Waiver of Health Coverage 2019” form and provide proof of non-Research Foundation health plan coverage in order to avoid incurring a tax penalty.

Enroll in Flex Cash(When opting out of Medical and/or Dental)

If waiving medical and/or dental coverage you are entitled to receive monthly Flex Cash in the amount of $128.00 for medical and $12 for dental.

No election form needed if you are not changing coverage. Coverage through Delta Dental.

No election form needed if you are not changing coverage. Coverage through VSP.

BLUE CROSS HMO
Total Monthly Carrier Premium
Total Monthly Employer Contribution
Total Monthly Employee
Out-of-Pocket Responsibility
Blue Cross HMO EE Only $705.00 $734.00 $0.00
Blue Cross HMO EE + 1 $1410.00 $1398.00 $12.00
Blue Cross HMO EE + 2 $1996.00 $1788.00 $208.00

 

KAISER HMO
Total Monthly Carrier Premium
Total Monthly Employer Contribution
Total Monthly Employee
Out-of-Pocket Responsibility
Kaiser EE Only $525.00 $734.00 $0.00
Kaiser EE + 1 $1084.00 $1398.00 $0.00
Kaiser EE + 2 $1415.00 $1788.00 $0.00

 

BLUE CROSS PPO
Total Monthly Carrier Premium
Total Monthly Employer Contribution
Total Monthly Employee
Out-of-Pocket Responsibility
Blue Cross PPO EE Only $881.00 $734.00 $147.00
Blue Cross PPO EE + 1 $1763.00 $1398.00 $365.00
Blue Cross PPO EE + 2 $2495.00 $1788.00 $707.00

2019 DENTAL AND VISION RATES

DELTA (DENTAL)
Total Monthly Carrier Premium
Total Monthly Employer Contribution
Total Monthly Employee
Out-of-Pocket Responsibility
Delta EE Only $44.00 $44.00 $0.00
Delta EE + 1 $88.10 $66.06 $22.04
Delta EE + 2 $136.50 $90.26 $46.24

 

VSP (VISION)
Total Monthly Carrier Premium
Total Monthly Employer Contribution
Total Monthly Employee
Out-of-Pocket Responsibility
VSP EE Only $11.20 $11.20 $0.00
VSP EE + 1 $14.80 $13.00 $1.80
VSP EE + 2 $24.10 $17.66 $6.44

*All fees, rates and employer contributions are subject to change at any time during the plan year.

Enrollment required every year!!!

Eligibility - Part-time regular and full-time regular status Research Foundation employees in a benefitted category. Enrollment is only available during the annual Open Enrollment period and will be effective on January 1st. Once enrolled, you cannot stop participation without a qualifying event. FSA accounts are provided through Benefit Coordinators Corporation (BCC)

Options - You may participate in all options that apply to you:

  1. Pre-tax Election for Group Health Insurance Premiums - if you participate in our group medical, dental or vision insurance programs, your monthly out-of-pocket premiums, if any, will be processed through the FSA Plan as a pre-tax deduction.
  2. Flex Spending Account (Health Care) - enroll for pre-tax payroll deductions and elect up to $2,700/year to cover certain unreimbursed out-of-pocket healthcare expenses.
  3. Flex Spending Account (Dependent Care) - enroll for pre-tax payroll deductions and elect up to $5,000/year ($2,500/year if married, filing separate), to cover dependent care expenses for children under the age of 13.

Information Only - No action required

Eligibility - Full-time regular status Research Foundation employees in a benefitted category. Eligible employees had the option of electing life insurance coverage in the following amounts upon hire (see policy for additional information):

  • An amount of 2.5 times their annual salary up to $257,000 maximum or;
  • Flat $50,000 coverage

Hartford provides the following additional benefits to its insured:

Eligibility - Full-time regular status Research Foundation employees in a benefitted category. Eligible employees are automatically enrolled upon hire. Premiums are paid by the employer on behalf of the employee. See policy for additional information.

Please review the attached notices:

  • Medicare Part D Notice
  • Women's Health and Cancer Rights Act
  • Newborns' and Mothers' Health Protection Act
  • HIPAA Notice of Special Enrollment Rights
  • Availability of Privacy Practices Notice
  • Notice of Choice of Providers
  • Michelle's Law
  • Premium Assistance Under Medicaid and the Children's Health Insurance Program (CHIP)
  • Nondiscrimination and Accessibility Requirements Notice

  • Link to notices: Annual Notices 2019

Anthem Blue Cross PPO or HMO - www.anthem.com/.ca

Kaiser Permanente Member Services - www.kp.org

Delta Dental - www.deltadentalins.com

VSP Vision Care - www.vsp.com

Benefit Coordinators Corp (BCC) - www.benXcel.com

Contact the Research Foundation HR Office with questions

Stephanie Moreno
(562) 985-7949

Rhonda Jensen
(562) 985-7950