2017 Health Insurance Open Enrollment
Open Enrollment CLOSES at 5 p.m. Nov. 4, 2016
All Benefit Eligible Employees are required to sign into the enrollment tool and confirm their elections, whether it is to enroll or decline coverage for the 2016 plan year.
- Benefit Booklet 2017
- Benefit Fair Flyer
- How Does an HSA Work?
- HSA Introduction Presentation
If you need additional assistance please contact the Insurance Office at 801-826-5428.
Oct. 27, 2016
Professional Development Center (PDC)
9361 S. 300 East
Sandy, Utah 84070
4 to 7 p.m.
Enrollment Clinics will be held for those who need assistance at the following location and times:
CSSC, Computer Training Lab, room 252:
- Oct 24th 3:30 – 5:30
- Oct 25th 3:30 – 5:30
- Oct 27th 3:30 – 5:30
- Nov 2rd 3:30 – 5:30
- Nov 3rd 3:30 – 5:30
Benefits Information (rates, benefits booklet, etc):
Changes to our Health Plans are made out of necessity. The School District has a self-funded plan, which means that our health insurance premiums are used exclusively to pay for our own health insurance claims. Despite making changes in recent years to mitigate rising health care costs, our claims have continued to outpace the premiums we collect. In recent months our experience shows that for every $1.00 we collected in premiums, we paid out approximately $1.20 in claims.
There are simple steps that all employees can take to help keep premiums from increasing. Requesting generic medications whenever possible and reserving use of the emergency room for true emergencies are two relatively effortless ways to keep costs in check. For preventive care, routine check-ups and minor complaints, such as a cold or sinus infection, it’s best to visit a primary care physician. Many family doctors offer extended office hours in the evenings and on weekends, and many urgent care facilities are open 24 hours a day, seven days a week. One of the best ways to reduce claims is for us to strive to live active, healthy lifestyles by exercising, eating a healthy balanced diet, getting plenty of sleep, practicing good hygiene, and encouraging our family members to do the same.
We will all benefit if we strive to live healthy, and make good healthcare decisions. Benefit Changes 2017
The rates for all plans and levels of coverage will increase by 7 percent in 2017. The District will multiply the current total monthly rate by 7 percent and then allocate half to the employees’ portion and half to the District’s portion. Rate Sheet
Traditional Plan Design Changes:
· Change In deductible from $500/$1,500 to $750/$2,250
· Change in out-of-pocket max from $2,500/$5,000 to $3,000/$6,000
· Change the Emergency Room copay from $100 AD to $150 AD
· Inpatient copays are changing to 20% after deductible.
Qualified High Deductible Plan Design Changes:
The only change to the Qualified High Deductible Plan (QHDP) will be the increase to the premium. The District will offer the same dollar-for-dollar match ($500 for employee only, $800 for employee, plus one dependent, $1,200 for family) to the Health Savings Account (HSA) for those who choose to enroll in the QHDP and the HSA.
Benefit Guide 2017
Frequently Asked Questions (FAQs)
The answers to many of your insurance questions can be found here. We have attempted to provide answers to the most common questions. If you have any questions that aren't addressed here, please contact the CSD Insurance Department.
Additional Carrier Information:
Health - Aetna - www.aetna.com - 1-800-337-7224
Health - SelectHealth - www.selecthealth.org - 800-538-5038
VRx (prescription plan) - www.myvrx.com - 1-877-879-9722
Dental Select - www.dentalselect.com - 801-495-3000
EMI Health - Vision- www.vsp.com - 801-262-7476
Flex Spending Account (FSA)- APA Benefits — 801-561-4980
EAP - Blomquist Hale - www.blomquisthale.com - 800-926-9616
Reliance Standard – www.reliancestandard.com - 800-644-1103
Insurance Carrier Information
|Health||Aetna||Aetna network facilities include: MountainStar, Iasis, and other non-IHC Facilities||800-337-7224|
|Select Health||Select Health network is affiliated with Intermountain Healthcare (IHC) network of Hospitals and Doctors||800-538-5038|
|Rx||VRx||Prescription Medication Services||877-879-9722|
|Dental||Dental Select||Dental Provider||801-495-3000|
|Vision||EMI Health - VSP Vision||Vision Provider: Fashion Plan, Designer Plan||801-262-7476|
|Flex||APA Benefits||Flex Provider: Flexible Spending Accounts(FSA), Dependent Care Accounts(DCA)||866-656-0227|
|EAP||Blomquist Hale||Employee Assistance plan||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||Washington National (formerly Conseco)||Supplemental Insurance
Contact: Todd Louer
|*Supplemental plans are not part of District group plans.|
Open Enrollment FAQs
Q: When is the open enrollment period for the 2016 plan year?
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 – SelectHealth vs Aetna
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: I am seeing Aetna, not Altius, as a carrier choice. did we change carriers?
Q: I am seeing APA benefits as the administrator for the Flex spending and HSA accounts; is this a new Carrier?
Q: Will my premiums change?
Q: Will my benefits change?
-Change In deductible from $500/$1,500 to $750/$2,250
-Change in out‐of‐pocket max from $2,500/$5,000 to $3,000/$6,000
-Change the Emergency Room copay from $100 AD to $150 AD
-Inpatient copays are changing to 20% after deductible.