St. Mary’s County Library

2015 Open Enrollment Newsletter April 2015

To: All Library Employees Eligible for Health Insurance The Open Enrollment period runs from May 11through to May May 22, 2015 May 4 15 Enrollment/Change forms are due to Phyllis Krasnokutsky by 5 pm on Friday, May15, 22,2015 2015 May New Elections are Effective July 1, 2015 Not making changes? You don’t need to complete the enrollment process.

Open Enrollment Is Here Open Enrollment is your opportunity to review your current benefit elections and costs, and make any necessary changes to your benefits for the plan year beginning July 1, 2015. Open Enrollment is the time to: 1. Enroll in a benefit plan or change current plan elections. 2. Add dependents to your coverage or dis-enroll dependents from your coverage. 3. Enroll/Re-enroll in a Flexible Spending Account (FSA) Plan. 4. Opt-out of insurance coverage.

Reminder….

Employees who wish to participate in a Health Care Flexible Spending Account or a Dependent Care Flexible Spending Account must complete a new enrollment form; FSA elections do not carry over to the new plan year.

Open Enrollment Highlights ·

Health insurance premiums will increase by 10.6%

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ING is now Voya

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Health Reimbursement Account (FSA) annual maximum will increase to $2,550

Phyllis Krasnokutsky 301-475-2846, ext 1012

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Identity Theft Protection

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Mid Year Changes

St. Mary’s County Library 23250 Hollywood Road Leonardtown, MD 20650

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Resources for Health Living

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Important Notices

Questions?

Kathleen Reif Director

Open Enrollment 2015 Health, Rx, and Vision Rates – July 1, 2015 .Medical PPO Individual Parent/Child Employee/Spouse Family Prescription Drug Individual Parent/Child Employee/Spouse Family HMO (includes Rx) Individual Parent/Child Employee/Spouse Family Vision Individual Parent/Child Employee/Spouse Family

Library Bi-weekly Cost $255.89 $383.85 $511.79 $665.33

$57.15 $85.74 $114.30 $148.60

FT Employee Bi-weekly Cost $45.16 $67.74 $90.32 $117.41

$10.09 $15.13 $20.17 $26.22

$228.43 $434.01 $525.46 $685.28

$40.31 $76.59 $92.73 $120.93

$1.22 $1.76 $2.45 $3.01

$0.22 $0.31 $0.43 $0.53

Dental Rates Dental PPO Plan Individual Parent/Child Employee/Spouse Family

$11.72 $18.60 $25.46 $34.53

Traditional Dental Plan Individual Parent/Child Employee/Spouse Family

$14.67 $23.27 $31.86 $43.19

How are insurance rates determined? Rates are based on employee participation, age, gender, number and cost of prior claims, as well as any overall increases in the cost of providing health insurance coverage. An example of such costs would be changes in laws that may impact operating expenses. In addition, the choices that employees make impact costs (i.e., using brand name prescription drugs instead of generic prescription drugs, visiting an emergency room vs. an Urgent Care Center, lifestyle choices, etc.) It is important to note that while your costs may increase on July 1, 2015, the Library continues to pay the largest share (85%) of the total premium for medical, drug, and vision costs for full-time employees

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Open Enrollment 2015 What’s New in 2015? Healthcare Reform in 2015

In early 2016, every employee with medical coverage will be issued an IRS Form 1095, (statement of your health coverage). All covered dependents will be listed on Form 1095, which you will submit with your 2016 income tax return. If you received a request for a social security number for your spouse or dependent, please provide the information to the HR Department. Spouses and dependents that do not have a social security number on file, will not be listed on your Form 1095. It is your responsibility to remove a covered dependent child or spouse immediately when he or she no longer meets dependent eligibility criteria. Your ex-spouse and any step-children are no longer eligible as soon as your divorce becomes final.

ING is now Voya ING Life Insurance (also known as Reliastar Life Insurance) is now Voya Financial. Your group term life insurance benefits are provided to you by Voya.

Health Care Flexible Spending Account Beginning July 1, 2015, the dollar limitation on employee salary reduction contributions to health FSAs will increase to $2,550.00.

Identity Theft Protection Free Identity Theft Protection service is available to Library employees. This is one of the many services offered by our EAP provider, Deer Oaks. You can enroll yourself, your spouse, and children in the basic option at no cost. Once enrolled you will receive a monthly account activity summary and notice of alerts to your account from "Control Your ID". Below is additional information and the link to enroll. At the www.deeroaks.com website, login with username: SMCG, password: SMCG, then under CENTERS, select option: LEGAL/FINANCIAL for the "Control Your ID" link to enroll.

Mid-Year Changes The enrollment options you elect during open enrollment will remain in effect for the entire plan year, unless you experience an Internal Revenue Service (IRS) change-in-status event, such as: § § §

A legal marital status change including marriage, death of spouse, divorce or annulment A change in the number of dependents, including birth, death, adoption or placement for adoption A change in employment status for you or your spouse such as termination or commencement of employment

Requesting a Mid-Year Change Changes must be reported to the Human Resources Department within 31 days of a qualifying event. Election changes must be consistent with the event and result in loss or gain of insurance coverage.

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Open Enrollment 2015 Medical Plan Options

Eligible employees may participate in one of two CareFirst medical plans. BlueChoice HMO Open Access The BlueChoice HMO Open Access plan provides the cost savings of an HMO and the freedom to see network providers without a referral from a primary care physician (PCP). Employees are required to choose a PCP upon enrollment.

CareFirst PPO Plan The Preferred Provider Organization (PPO is a plan that gives employees the flexibility they want with the medical coverage and service they need. Employees pay only a small copayment or coinsurance each time they see a physician.

The PCP will coordinate routine care and provide treatment for a variety of medical conditions. If more specialized care is required, the PCP can coordinate specialty care using a network of specialists within the CareFirst BlueChoice network. When employees are outside of the CareFirst BlueChoice service area, benefits are available for emergency or urgent care, only. PCP Visit: $10 Specialist Visit: $20 Emergency Room Copay: $25

When employees choose to have medical care provided by a physician or hospital within the PPO network, they will receive the highest level of benefits for their care; when employees choose to have medical care provided by a physician or hospital outside of the PPO network, out-of-network benefits are available for covered services.

Prescription Drug Co-pays $8 Generic ● $15 Formulary ● $30 Non-formulary

PCP Visit: $20 Specialist Visit: $20 Emergency Room Copay: $35 Prescription Drug Co-pays $10 Generic ● $20 Formulary ● $35 Non-formulary

Dental Plan Options Eligible employees may participate in one of the following dental plans: Benefits Class I – Preventative & Diagnostic Services Exams, X-rays, Cleanings, Palliative treatment Class II – Basic Services Filings, Non-surgical procedures, Simple extractions Class III – Major Surgical Services Surgical periodontics Endodontics Complex oral surgery Class IV - Major Restorative Services Inlays, Onlays, Dentures, Bridges, Repair of Prosthetics Class V – Orthodontic Services Available to dependents under age 19 Lifetime maximum: $800 Calendar Year Maximum Classes I-IV Deductible Classes II, III, IV

DENTAL PPO In-Network Out-of-Network 100% of 75% of Allowed Benefit Allowed Benefit (AB) (AB)

Traditional Dental 100% AB

80% AB after deductible

60% AB after Deductible

80% AB after deductible

80% AB after deductible

60% AB after Deductible

80% AB after deductible

50% AB after deductible

35% AB after deductible

50% AB after deductible

50% AB no deductible $1,000

35% AB no deductible $1,000

50% AB; no deductible applies $1,000

Individual $25 Family $75

Individual $50 Family $150

Individual $50 Family $150 4

Open Enrollment 2015 Vision Coverage

Eligible employees have access to professional vision services including routine eye examinations, eyeglasses and contact lenses offered by CareFirst through Davis Vision. SUMMARY OF BENEFITS: (24-month benefit period) In-Network Eye Exam Routine w/dilation

$10

Frames Exclusive Tower Collection No co-payment for approximately 270 frames Non-tower Frame Plan pays $45 towards wholesale price Spectacle Lenses Basic Single Vision Basic Bifocal Basic Trifocal

$0 $0 $0

Out-of-Network Eye Exam Routine w/dilation Plan pays $45, you pay balance Frames Plan pays $45, you pay balance Spectacle Lenses Basic Single Vision Basic Bifocal Basic Trifocal

$ 52* $ 82* $101*

*you pay balance

See plan summary for detailed information.

Flexible Spending Account Plans A Flexible Spending Account (FSA) is an easy and convenient way to get more out of your paycheck. It allows you to set aside a pre-determined amount of your pre-tax dollars to cover certain out-of-pocket expenses as they occur throughout the plan year. Two types of accounts are available – Health Care Flexible Spending Account and Dependent Care Flexible Spending Account.

Health Care Spending Account A Health Care FSA lets you pay for medical and dental care expenses not covered by your insurance plan with pre-tax dollars. For example, cash that you now spend on deductibles, copays, or other out-of-pocket medical expenses can instead be paid for with the Health Care FSA with pre-tax dollars. The annual maximum contribution to the Health Care FSA is $2,550.

Dependent Care Spending Account The Dependent Care FSA lets you use pre-tax dollars toward qualified dependent care, such as child care and elder care expenses. The annual maximum you may contribute is $5,000 (or $2,500 if married and filing separately).

Library-paid Benefits Basic Life and AD&D Insurance The Library provides all full-time and regular part-time employees with Basic Life Insurance through Voya Life Insurance Company at no cost. Employees are covered at one (1) times their basic annual earnings, up to a maximum 5

Open Enrollment 2015 benefit of $150,000. Also included is Accidental Death and Dismemberment (AD&D) coverage equal to the employee’s basic life insurance amount.

Long-term Disability Benefits All full-time and regular part-time employees are provided long-term disability (LTD) benefits through Liberty Mutual Life Assurance Company of Boston at no cost. The LTD plan provides income during an extended period of disability if you are disabled and unable to work after 180 consecutive days. The plan pays a monthly benefit of 60% of your Monthly Base Earnings not to exceed a maximum benefit of $5,000 less other income benefits and other income earnings.

Voluntary Benefits Voluntary benefits give you an opportunity to enhance your other coverage by providing important benefits that help protect you, your family, and your assets in the event of the unexpected. The Library offers employees the following voluntary benefits:

457 Deferred Compensation Plan

The Library has established a 457 Deferred Compensation Program to allow all employees (full time, regular part time, and hourly) to further plan for their retirement. Participation in the plan is voluntary and the employee determines the amount of money to contribute each payday (minimum deferral - $10 per payday) and where it is invested. Contributions are made through a pretax payroll deduction. ICMA-RC Local Representative Gloria Moody Phone: 1-866-328-4666 [email protected]

Valic Local Representative Monte Woodfin Phone: 1-800-771-0025 Cell: 443-771-0025 [email protected]

Supplemental Life Insurance Employees pay purchase supplemental life insurance through VOYA Life Insurance Company. Coverage is available in increments up to a maximum of $250,000. Any increase during Open Enrollment, or election to purchase supplemental life insurance for the first time, is subject to Evidence of Insurability.

Aflac These benefits, which you pay for through an affordable premium, supplement your health insurance when you need it most – in the case of a disability, critical illness, hospitalization and/or accident. Aflac offers the following products: ● Short-term Disability ● Hospital Confinement Indemnity ● Hospital Intensive Care ● Cancer/Specified Disease ● Critical Illness

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Open Enrollment 2015

Resources for Healthy Living CareFirst offers you free tools and resources to help you maintain a healthy lifestyle and learn more about what you can do to address any health concerns you may have. If you are looking for more information and articles to help you with your goals, check out these free tools today:

Monthly e-newsletter Register today for Health News and we’ll send you a monthly electronic newsletter with more of the health information that you enjoy in Vitality: ■ Healthy recipes and cooking videos ■ Promotions and contests from our Facebook page ■ Interactive tools and quizzes ■ Timely health articles When you register, we will use your email address only to send you Health News, our online health newsletter. Visit www.carefirst.com/healthnews to register today.

My Care First website

Go to www.mycarefirst.com to find nearly 300 interactive, health-related tools, a multimedia section with more than 400 podcasts and recipes where you can search by food group and dietary restriction. You may also enjoy the library of cooking videos or the health news stories. Plus, there are videos and tutorials on chronic diseases and an encyclopedia with information on more than 3,000 health topics.

Health and Wellness Tips Like CareFirst on Facebook and receive daily posts that help support your personal health goals and keep you healthier in the long run. Enjoy access to wellness assessments, nutritious recipes and cooking videos, healthy living contests and fitness challenges, exercise tips, interactive tools and more by visiting us at www.facebook.com/carefirst.

Wellness Discount Program

Living a healthy life is all about making good choices every day, and CareFirst can help you do just that. Blue365 is an exciting program that offers exclusive health and wellness deals that will keep you healthy and happy, every day of the year. Blue365 delivers great discounts from top national and local retailers on fitness gear, gym memberships, family activities, healthy eating options and much more. To take advantage of all the discounts available to you, visit www.carefirst.com/wellnessdiscounts.

Disease Management You may have many things to consider when you have a chronic condition, which is why your employee benefits package includes this Disease Management program. This confidential and voluntary program offers support and health information from highly trained nurses to help you manage your overall health. Case Managers are only a phone call away to help you with the following conditions: ● Asthma

● Diabetes

● Heart Failure

● Coronary Artery Disease

● COPD

Enroll by calling (800) 783-4582. You will receive a welcome letter and phone call from your Case Manager,

Case whoManagement will keep your doctor informed of your progress in the program.

If you have a serious illness or injury, the CareFirst Case Management program can help you navigate through the

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Open Enrollment 2015 Case Management If you have a serious illness or injury, the CareFirst Case Management program can help you navigate through the health care system and provide support along the way. Case Managers are registered nurses who will work closely with you and your doctors to develop a personalized treatment plan; coordinate necessary services; contact you regularly to see how you’re doing; answer any of your questions; and suggest available community resources. The Case Management program is voluntary and confidential. To enroll or for more information, call (888) 264-8648.

Help to Quit Smoking Quitting smoking is the single most important step a smoker can take to improve the length and quality of his or her life. Stopping smoking can be tough but smokers don’t have to quit alone. The American Lung Association has lots of options to help adult and teen smokers quit for good. The Freedom From Smoking® group clinic includes eight sessions and features a step-by-step plan for quitting smoking. Each session is designed to help smokers gain control over their behavior. The clinic format encourages participants to work on the process and problems of quitting both individually and as part of a group. Go to www.lung.org for more information. Matters®

When You Can’t Breathe, Nothing Else

Important Notices Women’s Health and Cancer Rights Notice In October 1998, Congress enacted the Women’s Health and Cancer Rights Act (WHCR) of 1998. This notice explains some important provisions of the Act. As specified in the WHCR, a plan participant or beneficiary who elects breast reconstruction in connection with a mastectomy is also entitled to the following benefits: · · ·

Reconstruction of the breast on which the mastectomy has been performed; Surgery and reconstruction of the other breast to produce a symmetrical appearance; and Prosthesis and treatment of physical complications in all stages of mastectomy, including lymphedemas.

Health Plan Special Enrollment Notice If you are declining coverage for yourself or your dependents (including your spouse) because of other health plan coverage, you may in the future be able to enroll yourself and your dependents in the St. Mary’s County Commissioners’ Group Health Plan, provided that you request enrollment within 31 days after you or your dependents lose eligibility for that other coverage (or employer contributions toward that coverage end). In addition, if you have a new dependent as a result of marriage, birth, adoption, or placement for adoption, you may be able to enroll yourself and your dependents, provided that you request enrollment with 31 days after the marriage, birth, adoption, or placement for adoption. Patient Protection Notice The St. Mary’s County Commissioners’ Group Health Plan allows the designation of a primary care provider. You have the right to designate any primary care provider who participates in our network and who is available to accept you and your family members. For information on how to select a primary care provider, contact the Human Resources Department. For children, you may designate a pediatrician as the primary care provider. You do not need prior authorization from our health plan in order to obtain access to obstetrical or gynecological care from a health care professional in our network who specializes in obstetrics or gynecology. The health professional, however, may be required to comply with certain procedures, including obtaining prior authorization for certain services, following a pre-approved treatment plan, or procedures for making referrals.

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