A Note from Finance for Employees...
The State Health Insurance Open Enrollment Period for calendar year 2012 runs through Thursday, Nov. 10. This is the period of time that employees who are covered by State Health Insurance must visit the Open Enrollment Web Site to:
(1) make new elections in coverage
(2) confirm current dependents
(3) add or delete dependents for coverage
(4) respond to questions for tobacco and spousal surcharges.
Again this year, there are changes that will affect the plan you choose and the coverage you determine is best for you and your family. Because there are new options, all State Health members will need to make a new election this year.
The process is totally online through the State Health Benefit Plan (SHBP) portal which can be accessed at http://www.myshbp.ga.gov . Employees can visit the portal anytime and as often as needed between now and Nov. 10. Those not comfortable accessing the website on their own can arrange for assistance by calling the Business Services Office.
INFORMATION ON STATE HEALTH BENEFIT PLAN:
A number of significant changes are taking place for the 2012 coverage year. I encourage you to spend time reviewing the plan before making final option selections.
- The Active Employee Decision Guide is now available for review. Find it here -- Decision Guide.
- Employees will choose between two providers this year: United HealthCare & CIGNA.
- Both providers have two offerings: Wellness & Standard.
The Wellness Plan has lower premiums and lower out-of-pocket expenses than the Standard Plan, but members are required to be more proactive in their own health and to take additional steps such as completing an on-line health assessment and a physician provided biometric screening.
- Within these offerings are three plan options - HDHP (High Deductible Health Plan), HMO (Health Maintenance Org.) & HRA (Health Reimbursement Arrangement).
The HMO provides treatment only when using in-network providers; the HRA includes a reimbursement account which provides first dollar coverage for eligible expenses before regular deductible and co-pay amounts take affect; the HDHP offers in- and out-of-network benefits with a lower monthly premium, but higher deductible and out-of-pocket maximums.
All of these plans are compared side-by-side on pages 15-22 of the Decision Guide.
Other items of note concerning your health coverage:
- Peachcare will be available for dependent children of income-eligible employees Jan. 1, 2012. Information about this program can be found at http://www.peachcare.org or by calling 1-877-427-3224. Persons interested in pursuing PeachCare for Kids should secure it before removing children from an existing SHBP policy. Denial of PeachCare coverage is not a qualifying event which will allow an employee to add their child(ren) to their State Health coverage.
- You will default to the standard plan with your current vendor and surcharges will apply if you do not make a decision regarding a carrier.
- Your account will remain active after Nov. 10 to allow you to view the election you made for 2012. Should you feel an error was made in your election, there will be a short window of time to notify the MCBOE Business Services Office to submit a corrected election form. No election changes will be allowed after Jan. 1, 2012. Therefore, we encourage you to take the time during Open Enrollment to research your decision and make sure it is entered into the Portal correctly.
After doing your research on changes and options, here is how you can make your 2012 Health Insurance Election:
* Visit http://www.myshbp.ga.gov between now and 4:00 p.m. on Thursday, Nov. 10;
* Make your selection for the option, plan and tier you wish to have for the 2012 Plan Year;
* Verify that you have correctly answered the Tobacco and Spousal surcharge questions as presented;
* Verify dependents and add any eligible dependents under age 26;
* Click "Confirm" to finalize your election;
* Print or save your confirmation page;
* A confirmation number will show once the election is processes. Copy and keep this confirmation number;
* You may visit http://www.myshbp.ga.gov multiple times, but the last option confirmed before 4:00 p.m. on Nov. 10 will be your option for 2012.
OTHER BENEFITS:
During this fall Open Enrollment Period, employees may meet with Jeff Jeremiah and other benefit representatives to review and make changes in the following products:
Short and Long Term Disability Vision
Long Term Care Cancer Policies
Dental PrePaid Legal
Life Insurance Investments
Flexible Spending Accounts for dependent care & health care
Employees needing to visit with and other benefit providers may do so on the following dates:
Wednesday & Thursday, Oct. 12 & 13, K.B. Sutton Elementary;
Monday & Tuesday, Oct. 17 & 18, Hubbard Elementary;
Wednesday & Thursday, Oct. 19 & 20, Hubbard Middle;
Monday & Tuesday, Oct. 24 & 25, Mary Persons High School;
Wednesday & Thursday, Oct. 26 & 27, T.G. Scott Elementary;
Tuesday & Wednesday, Nov. 1 & 2, Banks Stephens Middle;
Thursday, Nov. 3, Freshman Campus, Achievement Center, Central Office.
This is a great deal of information, but it is important to all employees. Please let the Business Services Office know of questions you may have. If we don't have information you need, we will help you find it.