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2017 Open Enrollment

2017 Open Enrollment

Open Enrollment Period: 10/1/16 – 10/31/16 for 2017 Insurance Coverage

For 2017, we will continue to offer health coverage through Kaiser DHMO as well as the Medical Care Expense Plan (MCEP) through Cigna Open Access Plus In Network.   Please review the 2017 Open Enrollment Presentations below for specific information.


2017 Health Plan Premiums - Changes in employee premiums for Cigna reflect additional incentive discounts on premiums based on elimination of the Wellness Deductible Credit for 2017 - Both Kaiser and Cigna deductibles for 2017 are $500 individual and $1,500 family.


 
MEDICAL PLAN
(Employee Monthly Premiums)

Employee Only Employee + One Dependent Family
 2017 - MCEP (Cigna Open Access Plus In Network) $75.00
(or $35.00 if certified for BHR) 
$275.00
(or $225.00 if certified for BHR)
$360.00
(or $300.00 if certified for BHR)
2016 - MCEP (Cigna OAP)  $65.00
(or $40.00 if certified for BHR)
$300.00
(or $260.00 if certified for BHR)
$340.00
(or $300.00 if certified for BHR)

2017 - Kaiser DHMO

$112.18 $524.34 $800.08

2016 - Kaiser DHMO

$107.04 $520.28 $798.26
 
BHR = Broomfield Healthy Rewards

The TeleHealth benefit continues in 2017 at no cost for MCEP members and dependents.  The program includes Teledoc – Health Advocate – eDocAmerica.  More details on these programs and Teledoc registration instructions are available on the separate TeleHealth tab.

SUMMARY OF BENEFITS AND COVERAGE (SBC):

Medical Care Expense Plan (MCEP) - administered by Cigna - Open Access Plan - In Network (OAP - IN)

Kaiser Permanente DHMO

Glossary of Health Coverage and Medical Terms

For pre-enrollment questions regarding Cigna or Kaiser benefits, please call the following phone numbers:
Cigna - 1.800.564.7642 -- Kaiser - 303.338.3800

2017 BENEFIT UPDATE – WHAT YOU SHOULD KNOW

For 2017, member coinsurance amounts for both MCEP/Cigna and Kaiser plans are changing from plan paid 90% to 85% and member-paid 10% to 15%.  These changes are based on reviewing average coinsurance percentages for other plans in the area and continuing cost containment efforts based on rising claims.  The change from offering the $200 individual $600 family deductible to BHR eligible employees to only offering the $500 individual and $1,500 family deductible for the Cigna plan was based on federal regulations which no longer allows this type of incentive with health insurance plans.  The changes are included in the SBC documents above.

In addition, Cigna’s Prescription Drug Plan has been updated for 2017.  Please review the 2017 Cigna Prescription Drug List for any changes which may affect you or your covered dependents. Cigna will be sending out communications to members affected by the prescription changes during October.  In addition, Cigna has added a new 90-day prescription option at selected retail pharmacies in addition to Cigna Home Delivery.  Refer to the Cigna 90 Now flyer for more information.

Premiums and benefits for dental and optional vision care coverage did not change for 2017. However, the percentage paid by the employees versus the amount provided by the employer as benefit were adjusted for the dental plan to decrease employee premiums for the full-time employee plus one tier and all three tiers of the part-time employee premiums.  Please refer to the Dental and Vision tabs under Insurance for more information on these benefits.


 
DENTAL PLAN
(Employee Monthly Premiums)

Employee Only Employee + One
Dependent
Family
                 
          2017 - Full-time          

               $3.88                               $18.42               
           $45.90           

2016 - Full-time

$3.88 $24.50 $45.90

2017 - Part-time

$9.12 $24.30 $55.48

2016 - Part-time

$15.58 $26.45 $59.16


Update (10/25/16)
: The IRS announced that the 2017 Medical FSA max will increase to $2,600 from the 2016 max of $2,550. The flexible spending accounts for dependent care and transportation expenses through 24HourFlex continue with the same maximum election amounts as in 2016.  Additional information and links to the 24HourFlex website can be found on the Flex tab.

Voluntary Life & AD&D insurance options and other supplemental coverages for employees and dependents through Cigna and AFLAC continue to be available for 2017. Here’s an overview of the Cigna Voluntary Term Life & Life & AD&D insurance coverages. 

IMPORTANT DEADLINES: 

Medical Plans/Dental & Vision

Flexible Spending

Voluntary Life (open enrollment) and Voluntary Life & Accidental Death & Dismemberment (AD&D) (new) for employees & dependents

AFLAC supplemental coverages including Hospital Indemnity (new) for employees & dependents
  • Contact Lisa Perry (AFLAC).  Enrollment forms for new coverage or changes are due to Lisa by October 31st.

Wellness Programs 
  • Each year complete HA (Health Assessment) and Broomfield Healthy Rewards Program on MotivateMe/Care Allies wellness portal no later than September 30th.   Watch for information on next year’s program scheduled to be available on the portal for January 2017.

2017 BENEFIT OPEN ENROLLMENT PRESENTATIONS (PowerPoint with Audio):

2017 Full-Time Open Enrollment Overview
2017 Part-Time (Health Insurance Eligible) Open Enrollment Overview 
2017 Part-Time Benefited (non-health insurance eligible) Open Enrollment Overview

2017 COBRA INFORMATION
 Coverage 
Employees' Medical Care Expense Plan
(Cigna OAP IN)

Kaiser Permanente Delta Dental
Plan of Colorado
Vision Service Plan (VSP) Employee Assistance Program (EAP)
 - Cigna EAP
 Jan-Dec, 2017
   - Single
   - Single + 1
   - Family
 
    $   615.51
    $1,169.46
    $1,754.20

    $   593.82
    $1,187.63
    $1,662.68

      $   39.56
      $   58.75
      $  111.91

      $  12.15
      $  17.61
      $  31.58

       $  2.21
       $  2.21
       $  2.21

 WELLNESS PROGRAM

All full-time and part-time benefited employees are eligible to participate in the Wellness Program, complete the Health Assessment to earn eight hours of annual leave and the Healthy Rewards Program. More information on these programs is available on the Wellness Page.

2017 CHARITABLE GIVING CAMPAIGN
Employees who are interested in contributing to Charitable Giving through their payroll deductions in 2017 can complete the Broomfield Charitable Giving Campaign Form. Completed forms are due in HR no later than December 15th.  More information on eligible organizations is available through these links:


CONTACT US
For questions throughout the year on your benefits, please contact:
Vickie Mauri – Senior Benefits Administrator:    or 303-438-6323 
Amy Wells – Wellness Training Administrator:   or 303-438-6321