2018 Health Insurance Open Enrollment
Open Enrollment CLOSES at 5 p.m. Nov. 10, 2017
Open Enrollment is mandatory. All Benefit Eligible Employees, including recently hired employees, are required to sign into the enrollment tool and confirm their elections during the enrollment window, regardless of whether you choose to enroll or decline coverage for the 2018 benefit plan year. There are significant changes to the benefit structure in 2018, all benefit eligible employees are strongly encouraged to review the 2018 benefit information and consider which plan options will best fit your and your Families needs for the upcoming benefit year. No changes will be allowed after the open enrollment window closes, unless you have a qualifying life changing event.
- 2018 Benefit Guide
- Enrollment Guide
- Carrier Changes for 2018
- Benfit changes for 2018
- Benefit Fair Info
- Enrollment Counselor Info
- Life Insurance Evidence of Insurability form
Booklet Correction: The Initial priniting of the benefit booklet listed the an incorrect amount for the traditional Family deductible and the Traditional Buy up family deductible. The correct amount should have been $2550.00
If you need additional assistance please contact the Insurance Office at 801-826-5428.
Summary of Carrier Changes
In accordance with procurement guidelines, the District requested competitive proposals from potential Health, Pharmacy and Dental administrators. Following a lengthy selection process, PEHP has been selected as the District’s new Health and Pharmacy plan administrator, and EMI Health has been selected as the new Dental administrator. These carriers were chosen because they will provide improved claims administrations, integrated wellness strategies, and cause the least disruption to employees and their families.
PEHP – Health Coverage & Pharmacy:
PEHP will manage both the health and the pharmacy coverage, which will ensure that claims administration will be fully integrated. The network options and plan designs will be similar to the current structure, which in most circumstances will allow everyone to keep their current doctors. Be aware that the names of the networks will be different under PEHP. The new networks correspond as follows:
EMI Health – Dental Coverage:
EMI Health has been administering the District Vision benefits with few complaints. Participants will see very similar dental coverage at a lower cost. In most cases participants will be able to go to the same dentist. If your dentist isn’t in network, you can contact EMI Health to nominate a provider and they will contact the provider about contracting with EMI Health. The new plan options correspond in coverage and cost as follows:
Dental Select Gold Plan = EMI Health Advantage Copay plan
Dental Select Platinum PPO = EMI Health Choice PPO Plan
Dental Select Platinum Indemnity = EMI Health Choice Indemnity Plan
Summary of Health Plan Changes
Health care costs continue to rise, requiring that we increase premiums. The increase in premiums were discussed and agreed to during the annual negotiation process. The District is covering the larger portion of the total cost increase, but employees will see a premium increases that will range from 4% to 9% depending on the plan selection and coverage tier. Please see the benefit guide for more details.
During the annual negotiation process, the following plan parameter changes were agreed upon for the traditional health plan and will be implemented in the 2018 benefit year.
· Health Deductible is increasing to $850/$2550
· Out of pocket maximum is increasing to $3500/$7000
· Office Visit Copay is increasing to $30/$50
· No changes to the Qualified High Deductible Health plan
Enrollment Tool Change
The District will be utilizing a new enrollment tool for 2018. The tool requires you to register before you will be able to log into the website. The enrollment site will be active on October 30th. To login you will go to www.navigatemybenefits.com and select “Register as a new user.” The Company Identifier is “Canyons” and the PIN number is the last four digits of your social security number. The process is relatively self-explanatory; however, step by step instructions are included in the enrollment packet. If you need assistance with enrolling, come to the benefit fair, make an appointment with an enrollment counselor, or contact the insurance department. The enrollment process must be completed by the 10th.
Insurance Carrier Information
|Health||PEHP||Health and Pharmacy Administrator - The Advantage Network contracts with IHC facilities the Summit Network contracts with Iasis, Mountain star and U of U hospitals.||800-765-7347|
|Dental & Vision||EMI Health||EMi health will provides Dental and Vision coverage for the 2018 benefit year.||801-262-7476|
|Flex||APA Benefits||Provides adminitration on Flexible spending and HSA accounts||866-656-0227|
|EAP||Blomquist Hale||The Employee Assistance plan Provides counseling to employees and there immediate family members when they encounter struggles.||800-926-9619|
|Life||Reliance Standard||Life Insurance and AD&D||800-351-7500|
|Disability||Reliance Standard||Long Term Disability Insurance||800-351-7500|
|Other Carrier Information|
Contact: Lee Harmer
|*Supplemental plans are not part of District group plans.|
Open Enrollment FAQs
Q: When is the open enrollment period for the 2018 plan year?
Q: I don't know what my user name an password is for the new enrollment system.
Q: Will I need to do anything during open enrollment?
Q: Why do I have to participate in the enrollment process? Why can't I just be enrolled automatically?
Q: How do I choose a health plan: Step 1 – Traditional vs Qualified High deductible health plan?
Q: How do I choose a health plan: Step 2 – Advantage vs Summit
Q: How do I choose a Health plan: Step 3 – Base vs Buy Up?
Q: I don’t understand the HSA tax dependent rules. Who can I use my HSA dollars for?
Q: Will my premiums change?
Q: Will my benefits change?
-Change In deductible from $750/$2,250 to $850/$2550
-Change in out‐of‐pocket max from $3,000/$6,000 to $3500/$7000
-Office Visit Copay will move $20/$35 to $30/$50