BENEFITS OPEN ENROLLMENT GUIDE Open Enrollment: February 8-26, Human Resources Administrative Services

Transcription

1 BENEFITS OPEN ENROLLMENT GUIDE Open Enrollment: February 8-26, 2016 Human Resources Administrative Services 1

2 TABLE OF CONTENTS 2016 Open Enrollment Take Action: Your Benefits, Your Health Learn the Details Before You Make Your Decisions What s New and Changing Medical Plan Cost Changes Medical Plan Comparison Chart Medical Plan Premiums Good Health Pays! Earn up to $500 Save with a Pretax Health Account Dental Plan Overview and Premiums Additional Insurance Options Available to You Complete Your Enrollment Online by February 26 Get the Help You Need Benefits Contact Information OPEN ENROLLMENT DATES AND DETAILS Open Enrollment begins Monday, February 8, and runs through Friday, February 26. Benefit elections are effective April 1, HEALTHYME BENEFITS AND PROGRAMS HealthyMe is a comprehensive set of benefits, wellness programs, and resources provided by Salt Lake County to help you live and stay well. Health care benefits Healthy Lifestyles Onsite medical clinic Fitness & Recreation Centers Employee Assistance Program (EAP) Financial benefits 2

3 2016 OPEN ENROLLMENT It s time to review your benefit options and make your Open Enrollment decisions. This year medical plan premiums will increase by 5% except for the High Deductible Health Plans for full-time employees, which have no paycheck deductions. Depending on your medical plan and the number of covered dependents, you will see premiums increase from $5 to $28 per month. Salt Lake County will also bear its appropriate share of the cost increase and will continue to cover 80% of the overall costs of health care. The cost of health care continues to increase and continues to be a critical financial issue for both individuals and Salt Lake County. To help control health care cost increases, we all need to take an active role in our health care choices and personal health. Steps such as using the Salt Lake County HealthyMe Employee Medical Clinic, participating in the Healthy Lifestyles Wellness Program, and making wise choices in the medical plan you select and how you spend your health care dollars can make a different in the future costs of health care. Take the time during Open Enrollment to learn about your medical plan options, how you may be able to save money by switching to the High Deductible Health Plan, and how to make the most out of the benefits. WHAT TO KNOW FOR 2016 Cost increases. Paycheck deductions will increase by 5% for the Traditional PPO Plan. Part-time employees on the High Deductible Health Plan will also see a 5% increase to their premiums. Salt Lake County contributes to the Health Savings Account (HSA). For employees enrolled in the High Deductible Health Plan (HDHP), Salt Lake County will continue to contribute the annual contribution amount of $600 for employee only coverage and $1,200 for family coverage. The County contribution will be deposited with the April 7 paycheck. Employees enrolled in the HDHP can also receive up to an additional $500 for wellness incentives to their HSA. See page 11 for details. 90-day prescription supply available at retail locations for Regence. Employees and their family members who are enrolled in a Regence medical plan will now have the option of 90-day maintenance prescription supply at participating pharmacies. USE THIS GUIDE This guide is your overview and your reference to keep on hand for details of the changes coming to your benefit plans in 2016, to notify you of action required during Open Enrollment, and to help you make informed choices. Make your decisions early in the enrollment period to avoid the last-minute Open Enrollment rush. Take advantage of many resources that can help you such as Benefit Fairs, onsite benefit presentations, and online information at 3

4 TAKE ACTION: YOUR BENEFITS, YOUR HEALTH Maximize your benefits and your health. YOUR BENEFITS Open Enrollment is your opportunity to review your benefits and make changes to your coverage, or add or remove a dependent from coverage. Enrollment must be completed by February 26, 2016, at Review your medical and dental coverage. Add, change, or drop coverage for your dependents. Elect your Health Savings Account contribution amount (for High Deductible Health Plan only). Elect Medical Flexible Spending Account (for Traditional PPO Plan). Elect Limited Flexible Spending (for High Deductible Health Plan only). Elect Dependent Daycare Flexible Spending. Enroll or waive in the Short-Term Disability Plan. Enroll or waive in the Legal Plan. If you do not take action during Open Enrollment the following will occur: You will remain enrolled the same benefits you have today, with the same dependents covered, except for the following: Health Savings Account (HSA) Medical Flexible Spending Account Limited Flexible Spending Account Dependent Daycare Flexible Spending If you do not enroll or re-enroll in the plans above, your annual contribution will be $0. You must re-enroll every year by electing your annual contribution amount. YOUR HEALTH Your health matters. Staying in good health benefits you and your family, while keeping your medical expenses low. Salt Lake County provides you comprehensive medical coverage and wellness programs to help you improve or maintain your health. Put your health first by taking advantage of these convenient programs and resources. Get your annual preventive exam, which is covered at 100% when you use an in-network provider. Employees enrolled in the HDHP also receive $125 contribution to their Health Savings Account (HSA). Participate in Healthy Lifestyles. Get 30 minutes of physical activity daily. Thirty minutes of physical activity can significantly reduce health risks such as obesity, diabetes, and heart disease.»» Get help quitting tobacco by using resources available to you via Healthy Lifestyles. 4

5 LEARN THE DETAILS BEFORE YOU MAKE YOUR DECISIONS Before you make your enrollment decisions, take time to understand what s new and changing, the options available to you and your potential costs. The information in this guide provides important details to help you make your decisions. The following changes and enhancements are effective April 1, WHAT S NEW AND CHANGING MEDICAL PLANS CHANGES Traditional PPO Plan High Deductible Health Plan (HDHP) 5% premium increase. 5% premium increase for part-time. PRESCRIPTION DRUG CHANGES Regence Medical Plans 90-day prescription supply available at participating retail pharmacies. MENTAL HEALTH CHANGES Traditional PPO Plan High Deductible Health Plan (HDHP) Mental Health Services, such as counseling, from a nonparticipating provider will be covered at the out-of-network rate. Currently, services from a non-participating provider are not covered. HEALTH SAVINGS ACCOUNT CHANGES High Deductible Health Plan (HDHP) Health Savings Account (HSA) annual maximum contributions: $3,350 (no change) $6,650 to $6,750 for family coverage $1,000 catch-up contribution for age 55+ (no change) Salt Lake County will deposit the following amount into your HSA with the April 7, 2016, payroll: Employee only coverage - $600 Family Coverage - $1,200 You can also earn additional money when you and your covered spouse/adult designee participate in the following wellness activities: Annual Preventive Exam: $125 Healthy Lifestyles Online Personal Health Assessment: $100 Annual Flu Vaccine: $25 5

6 VOLUNTARY BENEFITS CHANGES Coming spring of 2016 New voluntary benefits options will be available later this year: Critical Illness Insurance Hospital Indemnity Insurance Accident Insurance Long-Term Care Pet Insurance Employee Purchase Program Discounted Products and Services Post Retirement Life Insurance Information about the plans and how to enroll will be provided this spring. AFFORDABLE CARE ACT (ACA) PROVISIONS The following is an assessment of the 2016 provisions of the Patient Protection and Affordable Care Act (ACA). Out-of-pocket maximums for an individual cannot exceed $6,850. This change affects family coverage for our High Deductible Health Plans (HDHP). The total out-of-pocket maximum on the family HDHP will remain at $7,000. An individual covered on a family HDHP will have a maximum out-of-pocket of $6,850. If an individual reaches the $6,850, the remaining family members would pay $150 of services until the $7,000 family out-of-pocket maximum is met. Employers are required to pay additional reinsurance fees and taxes. 6

7 MEDICAL PLAN COST CHANGES FOR 2016 Paycheck deductions are increasing for the Traditional PPO Plan, while the High Deductible Health Plan paycheck deductions remain at $0 for full-time employees. The Traditional PPO Plan and part-time High Deductible Health Plan rates will increase by 5%. The County portion of the cost will also be increasing overall by 5%. Paycheck deductions remain the same for the dental plan. LOWER COST, SAME COVERAGE AND CHOICE WITH THE HIGH DEDUCTIBLE HEALTH PLAN The High Deductible Health Plan (HDHP) encourages you to become a smart shopper of health care, while providing levels of coverage, quality, and care comparable to the Traditional PPO Plan. The High Deductible Health Plan shifts costs to when you actually use health care instead of a fixed cost (like paycheck deductions). The High Deductible Health Plan comes with a Health Savings Account (HSA), funded by both you and Salt Lake County. Your HSA can be used to pay for health care, prescription drugs, vision and dental expenses. You receive the same quality coverage with the High Deductible Health Plan as you do with the Traditional PPO Plan, and recommended preventive care services are also covered at 100%, such as well-child exams, annual check-ups and immunizations when you use a contracted provider. You have the same provider network choice, SelectHealth or Regence, as you do with the Traditional PPO Plan. When considering cost, think about your total out-of-pocket cost (paycheck deductions plus what you pay at the time of service). Also consider when you pay for the plan and services, through paycheck deductions or when you actually access care. Review the following pages to compare your total cost. 7

8 MEDICAL PLAN COMPARISON CHART Salt Lake County offers two types of plans-high Deductible Health Plan (HDHP) and Traditional PPO Plan. Each medical plan offers a comparable range of coverage and quality services. The key differences are when and how you pay for the plan and services, and the total out-of-pocket cost to you. The chart below summarizes the features of each medical plan type and what you pay for services. HIGH DEDUCTIBLE HEALTH PLAN (HDHP) TRADITIONAL PPO PLAN Provider Choice Receive the highest level of coverage when using providers who are part of your plan s network. Regence Blue Cross Blue Shield SelectHealth Regence Blue Cross Blue Shield SelectHealth What do I pay when I access care? For each plan you will be responsible for a deductible and coinsurance or copay. The deductible is the annual amount you pay out of pocket for medical and prescription drug costs before plan begins to pay. First, you pay your annual deductible: Employee only - $2,000 Family - $4,000 Once you have met your deductible, you pay a copay or coinsurance: $10 HealthyMe Medical Clinic $25 copay per primary care visit $35 copay per specialist visit $150 per emergency room visit 10% coinsurance for in-patient 10% coinsurance for out-patient First, you pay your annual deductible: Employee only - $500 Employee +1 - $1,000 (Employee $500, dependent $500) Employee +2 or more - $1,000 (Employee $500, dependents $500) Once you have met your deductible, you pay a copay or coinsurance: $10 HealthyMe Medical Clinic $25 copay per primary care visit $35 copay per specialist visit $150 per emergency room visit 20% coinsurance for in-patient 20% coinsurance for out-patient What do I pay when I need a prescription? Your prescription drug costs count towards your medical plan deductible and out-of-pocket maximum. You first pay the total cost of the prescription drug until have met your plan deductible, then you pay: 30 day retail supply: Tier 1: $10 copay Tier 2: 25% coinsurance with $25 minimum and $75 maximum Tier 3: 50% coinsurance with $50 minimum and $100 maximum 90 day mail order supply: Tier 1: $20 copay Tier 2: 25% coinsurance with $50 minimum and $150 maximum Tier 3: 50% coinsurance with $100 minimum and $200 maximum Specialty and injectable medications: 20% coinsurance 8

9 HIGH DEDUCTIBLE HEALTH PLAN (HDHP) TRADITIONAL PPO PLAN What do I pay when I need a prescription? continued Maintenance medications (for HDHP only): Deductible is waived for certain drugs that are identified as preventive or treat chronic conditions such as cholesterol and high blood pressure. See your plan administrator for a complete list. You re protected by the out-ofpocket maximum This is the maximum annual amount you would pay out-of-pocket for in-network care. Employee only - $3,500 Family - $7,000 The plan pays 100% for all remaining in-network costs. Employee only - $3,500 Employee +1 - $7,000 Employee +2 or more - $7,000 The plan pays 100% for all remaining in-network costs. What pretax accounts can I enroll in to help pay health care expenses (such as deductibles, coinsurance, and copays)? Health Savings Account (HSA) Unused dollars roll-over from year to year and go with you when you change plans, leave Salt Lake County or retire. Annual 2016 contribution limits are: Employee only - $3,350 Family - $6,750 Age 55+ can contribute an additional $1,000 Limited Medical Flexible Spending Account Annual contribution limit is $2,500 (Can only be used for dental and vision). You can roll-over up to $500 annually. Any remaining unused funds over $500 will be forfeited. Medical Flexible Spending Account Annual contribution limit is $2,500. You can roll-over up to $500 annually. Any remaining unused funds over $500 will be forfeited. The Total Cost Picture: You need to look at how much you pay out of your paycheck and how much you pay when you access care to determine your total cost. Best Case: You and your family only access preventive care services during the year and have no prescriptions. You would only pay the amount deducted from your paycheck as long as you accessed in-network preventive care. Worst Case: You and your family had a high utilization year with many prescriptions, surgeries, or hospitalizations. You would pay the amount deducted from your paycheck plus the amount up to the out-of-pocket maximum.»» Your Case: The reality is you will likely fall somewhere in between. Use the Plan Cost Estimator Tool available at to help you model what your health care expenses might look like for the upcoming year. For complete details, see the Summary Plan Descriptions at The 2016 Summary Plan Descriptions will be available with updated 2016 changes on April 1,

10 ANNUAL MEDICAL PLAN PREMIUMS The following charts provide your and the County s annual premiums. To determine your per pay period amount, divide the annual amount by 24. Rates are the same for both Regence and SelectHealth. FULL-TIME EMPLOYEES WITH BENEFITS WORKING 30 HOURS OR MORE A WEEK HIGH DEDUCTIBLE HEALTH PLAN Employee Only Employee +1 or More $0 $4,128 $0 $11,868 TRADITIONAL PPO PLAN Employee Only Employee +1 Employee +2 or More $1,188 $5,280 $2,592 $11,604 $3,468 $15,684 PART-TIME EMPLOYEES WITH BENEFITS WORKING HOURS PER WEEK HIGH DEDUCTIBLE HEALTH PLAN Employee Only Employee +1 or More $1,656 $2,472 $4,752 $7,116 TRADITIONAL PPO PLAN Employee Only Employee +1 Employee +2 or More $2,376 $4,092 $5,184 $9,012 $6,936 $12,216 10

11 GOOD HEALTH PAYS! EARN UP TO $500 Achieving or maintaining good health benefits you and your family. Salt Lake County offers wellness programs and resources to help you and your family achieve optimum health. There are two types of incentives offered, if you are enrolled in the High Deductible Health Plan, you are eligible for both incentives: Healthy Lifestyles Health Savings Account Wellness Incentive HEALTHY LIFESTYLES All benefit eligible employees and their spouses/adult designees can participate in Healthy Lifestyles.By participating in healthy behaviors and wellness activities throughout the year, you can earn points towards a cash rebate (taxed) of up to $250. To sign-up, visit call , or myhealthylifestyles@slco.org Attend a biometric screening appointment with Healthy Lifestyles. At this appointment you will complete simple biometrics (i.e. blood pressure, cholesterol/glucose lipid test, body composition). Begin participating in wellness activities throughout the year. Once you attend your Healthy Lifestyles appointment, you can begin earning points for completing wellness activities such as medical exams, attending Healthy Lifestyles sponsored events, and participating in wellness challenges and programs. All completed activities are recorded through an online platform (WellSteps). Follow-up with yearly biometric screening appointment. The month you originally attend your first appointment will be your designated screening month. Each year, attend a biometric screening appointment during this same month. At this appointment Healthy Lifestyles will calculate your annual rebate and discuss your health screenings with you. HEALTH SAVINGS ACCOUNT WELLNESS INCENTIVE (FOR HIGH DEDUCTIBLE HEALTH PLAN) If you are enrolled in the High Deductible Health Plan, you can also earn up to an additional $250 (employee only) or $500 (employee + spouse/ adult designee) annually for your Health Savings Account (HSA) by completing the following activities: Annual preventive exam - $125 Personal Health Assessment (PHA) administered through Healthy Lifestyles - $100 Annual flu vaccination - $25 Tax-free money is deposited into your HealthEquity Health Savings Account quarterly (July, October, January, and April) following the completion of the activity. For example, if you complete your annual preventive exam on April 15, Salt Lake County will deposit $125 into your HSA with the July 22 paycheck. 11

12 SAVE WITH A PRETAX HEALTH ACCOUNT A pretax health account can be used to cover eligible expenses such as deductibles, coinsurance and copays. Your medical plan choice determines the health account(s) that can be paired with it. How the accounts work and the advantages of each vary, so it s important you understand the features. PLAN SPECIFICS HEALTH SAVINGS ACCOUNT (HSA) LIMITED FLEXIBLE HEALTH CARE ACCOUNT FLEXIBLE HEALTH CARE ACCOUNT (HEALTH FSA) What medical plan must I be enrolled in? High Deductible Health Plan High Deductible Health Plan Traditional PPO Plan Who contributes to the account? You and Salt Lake County You contribute with pretax payroll deductions up to the annual maximum. You must set an annual contribution each year when you enroll. You You contribute with pretax payroll deductions up to the annual maximum. You must set an annual contribution each year when you enroll. You You contribute with pretax payroll deductions up to the annual maximum. You must set an annual contribution each year when you enroll. Salt Lake County will contribute: $600 for employee only coverage $1,200 for family coverage You can earn an additional $250 (employee only)/$500 (employee + covered spouse/adult designee) by completing wellness activities. Annual Minimum No Minimum $130 $130 Annual Maximum Employee-only coverage - $3,350 $2,500 $2,500 Family coverage - $6,750 Age 55 and older can contribute an additional $1,000 12

13 PLAN SPECIFICS HEALTH SAVINGS ACCOUNT (HSA) LIMITED FLEXIBLE HEALTH CARE ACCOUNT FLEXIBLE HEALTH CARE ACCOUNT (HEALTH FSA) Eligible Expenses Eligible out-of-pocket medical, prescription drugs, vision and dental expenses that are not covered by your medical or dental plans. For example, deductibles and coinsurance. Eligible out-of-pocket dental and vision expenses. Eligible out-of-pocket medical, prescription drug, vision and dental expenses that are not covered by your medical or dental plans. For example, copayments, deductibles, and coinsurance. Do unused funds rollover year to year? Unused funds are yours to keep. Funds roll over year-to-year and are yours to keep if you leave Salt Lake County or retire. You can roll-over up to $500 of unused funds. Any remaining amount over $500 will be forfeited. You can roll-over up to $500 of unused funds. Any remaining amount over $500 will be forfeited. THREE GREAT REASONS TO CHOOSE THE HIGH DEDUCTIBLE HEALTH PLAN WITH A HEALTH SAVINGS ACCOUNT You ll save money on premiums. And you can put what you save in premiums into a pretax HSA. You can invest what you save. Instead of paying every month for coverage you may not even use, invest the premium in your own HSA. Earn interest on your savings, and as they grow, invest in mutual funds to increase your return. After all, the money is yours. Take it with you when you change jobs or retire. An HSA is a tax-savings retirement opportunity. Think of an HSA as a medical 401(k), only better. You put money in and deduct it from your taxes, plus Salt Lake County contributes too. Then you earn interest or receive investment returns your choice. The money is always tax free when you use it on eligible health care expenses. At age 65, you can withdraw the money for any reason and the money used for non-health care expenses is taxed like a 401(k). FLEXIBLE SPENDING ROLLOVER RULE You can carry over up to $500 of your unused medical or limited FSA balance at the end of the plan year. The carryover is available immediately, so up to $500 of your remaining balance for the benefit year can be carried over into and there is no grace period for you to use the funds. Your rollover amount will not affect your election limit for the upcoming plan year. For example, if you choose to elect the maximum of $2,500 for the upcoming year, plus any carryover from the current year (up to $500), you could start off the plan year with a balance of as much as $

14 DENTAL PLAN OVERVIEW AND PREMIUMS The dental plan is administrated by EMI Health and provides access to dental services from any licensed provider. EMI Health provides you access to two provider networks, Advantage Plus and Premier Network. Your costs will be lowest if you select an Advantage Plus provider. ADVANTAGE PLUS NETWORK PREMIERE NETWORK OUT- OF- NETWORK Annual Deductible (applies to basic and major services) $0 $0 $50 person $150 family max Annual Maximum the plan will pay per person $2,000 $1,200 $1,200 Preventive (exams, cleanings, x-rays, Fluoride) 100% 100% 80% Basic (Fillings, oral surgery) 90% 80% 60% Major (Crowns, bridges, prosthodonitics) 50% 50% 40% Orthodontic Life Time Max $1,500 $1,500 $1,500 For complete details, see the Summary Plan Descriptions at The 2016 Summary Plan Descriptions will be available on April 1,

15 ANNUAL DENTAL PLAN PREMIUM The following charts provide your and the County s annual premiums. To determine your per pay period amount, divide the annual amount by 24. FULL-TIME WITH BENEFITS WORKING 30 HOURS OR MORE A WEEK EMPLOYEE ONLY EMPLOYEE +1 EMPLOYEE +2 OR MORE $ $ $ $ $264 $1,056 PART-TIME EMPLOYEES WITH BENEFITS WORKING HOURS PER WEEK EMPLOYEE ONLY EMPLOYEE +1 EMPLOYEE +2 OR MORE $ $ $ $ $528 $792 15

16 ADDITIONAL INSURANCE OPTIONS AVAILABLE TO YOU Open Enrollment provides you the opportunity to evaluate and enroll in additional insurance options and programs. FLEXIBLE DAYCARE SPENDING ACCOUNT The Flexible Daycare Spending Account allows you to save pretax dollars to pay for qualified daycare expenses for children up to age 13. Highlights of the program: Enroll each year during Open Enrollment to participate and set your annual election amount. Estimate your expenses carefully, because you ll lose any unused balance at the end of the year, per IRS rules. You can contribute up to $5,000 to pay for dependent daycare expenses you incur throughout the year. If you are married and filing federal taxes jointly, both you and your spouse can have a Flexible Daycare Spending Account, however your combined contributions cannot exceed $5,000. LIFE INSURANCE PLANS Open Enrollment is the perfect opportunity for you to review your life insurance needs, which can change when you get married, have children, or purchase a home. If you need additional coverage, you can enroll or increase your existing coverage but will be required to complete a statement of health. If you are currently enrolled and satisfied with the level of coverage, you will remain enrolled in your current coverage and no action is required. To enroll, go to REVIEW YOUR BENEFICIARY DESIGNATIONS Open Enrollment is also a good time to make sure you have the most up-to-date beneficiaries on your life insurance plans. Visit the to review and designate your beneficiaries. LEGAL PLAN U.S. Legal Services provides access to attorneys to cover most personal legal needs. Family Defender Plan covers you and your family (children up to age 23) and cost $8.45 per paycheck. Family Defender with extended coverage (covers your and your spouses parents) cost $10.75 per check. Indentity Defender provides Idenity Theft services and costs $4.98 per paycheck. If you are currently enrolled, you will automatically re-enroll unless you choose to cancel your coverage during Open Enrollment. To learn more, enroll or cancel coverage, go to 16

17 SHORT-TERM DISABILITY PLAN Short-Term Disability insurance is an important part of being prepared for the unpredictable events in life. Short-Term Disability provides partial wage replacement should you become disabled and require a leave of absence due to a non-work related illness or injury, or pregnancy. If you are currently enrolled in Short-Term Disability, your coverage will continue unless you waive coverage during Open Enrollment. If you are not currently enrolled, Open Enrollment is your only time to enroll in the plan. IT S ALL ABOUT CHOICE Most disability plans give you little choice about features like how much it pays or for how long. DisabilityFLEX insurance is different. It provides the flexibility to create your own plan based on your needs and what you can afford. To help you make the right choices, here are three important questions you should ask yourself: How long can I go without a paycheck if I m unable to work due to an illness or a disabling event? Keeping in mind my weekly expenses and lifestyle, how much of my paycheck is an absolute must if I m unable to work and collect my full income? What conditions would I be most likely to experience (e.g., pregnancy, back pain, carpel tunnel, etc.) and how long might I be out of work? CUSTOMIZE YOUR INCOME PROTECTION PLAN With this plan, you ll have a say in the following features: Benefit level. You can choose a weekly flat dollar amount up to 60% of your earnings. Anywhere from $100-$1,000 weekly benefit amounts (in $100 increments) are available. Benefit duration. Up to 13 weeks.»» Waiting (commencement) period. IIt s up to you to decide how soon your benefit begins after a disabling event. Depending on your needs, you can choose an 8-, 15- or 30-day commencement

18 COMPLETE YOUR ENROLLMENT ONLINE BY FEBRUARY 26 Once you have evaluated your options, visit to complete your enrollment. 1. Click the Enroll button. 2. Enter your PeopleSoft username and password. 3. From the Main Menu > Self Service > Benefits. 4. Click on the Select button in the Open Benefit Events box. 5. Ensure you review your choices for all benefits listed and make any necessary changes. 6. Submit your changes. 7. Print a copy of your confirmation for your records. A step by step guide is located on the benefits website at Be sure to complete your enrollment by February 26. Changes you make to your benefits during Open Enrollment will be effective April 1, For help accessing the online enrollment tool call Information Services at For questions on benefits or your enrollment call Salt Lake County Benefits at WHEN YOUR LIFE CHANGES If you experience a life event such as marriage, birth, adoption or a divorce, it is important that you make the available changes to your health benefits coverage at the right time to be sure you receive coverage when you are eligible and most important when you need it. When experiencing a life-changing event, you have 30 days from the date of the event to make changes to your benefits. If you experience a life event, log on to PeopleSoft and from the Main Menu select Self Service > Benefits > Life Event. You will be required to provide the appropriate documentation (marriage certificate, divorce decree, birth certificate) to the Benefits Team within 30 days. MAKE SURE YOUR FAMILY MEMBERS ARE ELIGIBLE FOR COVERAGE Salt Lake County is committed to providing comprehensive, affordable health care coverage for employees and their dependents. Salt Lake County s health plans have specific requirements for who can be covered as an eligible dependent. WHOM YOU CAN COVER ON YOUR SALT LAKE COUNTY PLANS Your spouse or eligible adult designee. Adult designee includes: If you are not married, you may claim adult designee status for a parent, sibling, or child over the age of 26 who is not disabled. You must both be unmarried and over age 18. If you meet the above requirements, you must fill out an adult designee affidavit and supply the required financial documentation. Please note, you will pay an imputed tax if you do not claim the individual as a dependent on your taxes. Your children up to age 26, regardless of student or marital status (except for life insurance).»» Your children of any age who are incapable of self-sustaining employment due to a behavioral or physical disability. 18

19 GET THE OPEN ENROLLMENT HELP YOU NEED Salt Lake County is offering you and your spouse/adult designee several ways to get help for your Open Enrollment decision making. Benefit Fairs: Connect with benefits representatives and plan administrators to get the information you need and also for the chance to win some great prizes. Onsite Presentations: Benefits representatives will be onsite at multiple locations to provide an overview of what s changing, how to enroll and answer questions. DATES AND TIMES OF BENEFITS FAIRS AND ONSITE PRESENTATIONS: FEBRUARY MONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY Onsite presentation: SLCo Jail 3300 S. 700 W. ADC Briefing Room am Kearns Library 5350 S W. 1-2 pm (Spanish) 2-3 pm (English) Presentation: Public Works (Operations) 6960 S. 604 W. 7:30-8:30 am Presentation: Planetarium 110 S. 400 W. 9:30-10:30 am Landfill 6040 W. California Ave (1300 S.) 1-2 pm Benefits Fair: SLCo Gov t Center South Atrium 10 am - 7 pm Presentation: SLCo Gov Center Council Chamber Noon - 1 pm Presentation: Health Main Clinic 3690 S. Main Street 9-10 am SLCo Jail 3300 S. 700 W. ADC Briefing Room 1:30-2:30 pm Benefits Fair: Viridian Center (West Jordan Library) 8030 S W 10 am - 7 pm Presentation: Viridian Center (West Jordan Library) am 2-3 pm Presentation: SLCo Gov Center Council Chambers 2001 S. State Street am Public Works (Fleet) 7125 S. 600 W. 1-2 pm Presentation: Sandy Library Petunia Way 2-3 pm Presentation: Youth Services 177 W Price (3610 S.) 2:30-3:30 pm Presentation: D.A. s Office 111 E. Broadway 11:30 am - 12:30 pm SLCo Gov t Center Council Chambers 2001 S. State Street 3-4 pm Riverton Library S W. 2-3 pm Environmental Health 788 East Woodoak Lane 9-10 am Online: is your online resources for benefits information and to complete your Open Enrollment. Phone: Call a benefits representative at to help you with your questions. Benefits@slco.org: questions to a benefits representative. 19

20 BENEFITS CONTACT INFORMATION When you need help or additional information about your Salt Lake County benefits. PLAN PHONE WEBSITE Benefits Enrollment Medical Onsite Medical Clinic Dental Health Savings Account Flexible Spending Accounts Salt Lake County Benefits: SelectHealth: Regence: HealthyMe Medical Clinic: EMI Health: Health Equity: AxisPlus: Wellness Programs Employee Assistance Program Life Insurance Short-Term Disability Group Legal Auto & Home Insurance Daycare Retirement (Pension, 401k) Healthy Lifestyles: Fitness Center: Marlin Andrus: PEHP: The Hartford : U.S. Legal: Liberty Mutual: , ext Travelers URS: hollychidester YOUR 24/7 RESOURCE FOR ALL SALT LAKE COUNTY BENEFITS. The information in this guide is a summary of your benefits and is not intended to take the place of or change official plan documents in any way. In the event of any discrepancy between the information in this guide and the Summary Plan Descriptions the Summary Plan Descriptions will prevail. For a copy of the most recent Summary Plan Descriptions visit Summary Plan Descriptions will be available on April 1,