NEW HIRES -- USE NEW HIRE ENROLLMENT LINK
located in Employee Navigator between August 5 - 24
or call Employee Benefits to enroll.
See link and company identifier below.
Information you will need:
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Review the plan information in this Benefits Guide.
- Gather information for all family members you will be enrolling in the plans. You will need their names, date of birth, and social security number. SSN is needed for Medical Plans only.
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Login to Employee Navigator with your family to review your options and make your plan elections.
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OPEN ENROLLMENT CHANGES
There have been no changes to rates or plan design for the medical plan for four years. This year there will be changes to the medical premium contributions, medical plan design, emergency room copays on our PPO plans, and prescription plan copay change on our PPO plans for Tier 4 drugs beginning on October 1, 2022.
Health Care Plan - UMR remains our Third Party Administer for the Health Plan using the United Health Care Choice Plus Network. Both Freeman and Mercy Health Systems are in-network.
- The premiums for the HSA Plan are decreasing
- The premiums for the Base and Buy Up plans are increasing slightly
- The deductible/out of pocket for all plans are increasing slightly
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Due to high utilization of Emergency Rooms for non-emergent medical issues, the ER copay for the Base and Buy-up Medical Plan will increase from $200 to $300.
Making small changes this year to avoid the need for larger changes in the near future
Prescription Drugs continue to be administered through OptumRx. OptumRx is integrated with UMR.
The cost for prescription drugs continue to climb. We have prescriptions that cost tens of thousands of dollars a month. Again the goal is to increase the cost for those who have higher utilization of prescriptions, but keep in mind these higher cost prescriptions often times have manufacturer copay cards that limit the amount the patient pays and are applied towards the out-of-pocket maximum for the plan. Once the OOP is met covered prescriptions are covered 100%.
- Tier 4 Premium is increasing from 20% up to a maximum of $100 to a maximum of $250.
Dental Plans - Changes go into effect October 1, but the plan year is a calendar year, meaning deductibles reset January 1.
- Crowns will be moved from major services (50%) to basic services (80%) under the Buy-up Plan. Crowns are still subject to the same guidelines.
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NO CHANGES
Vision Plan - remain the same with no premium increase.
Flexible Spending Accounts - As always, it requires an annual election. The plan year is October 1, 2022, to September 30, 2023. Medical Flex has a grace period until December 15, 2023, to incur claims, and must be submitted by the last business day in 2023.
Short-term Disability - If not elected during the first 30 days after hire, you are limited to a $100 weekly benefit. This may be increased by $50 for each subsequent annual enrollment.
Long-term Disability - If not elected during the first 30 days after hire, you must complete a medical questionnaire and be approved by MetLife Underwriting before benefits becoming effective.
Accident Insurance - High or Low Option
Cancer Insurance - $15,000 or $30,000 benefit - see pre-existing conditions clause.
Critical Illness Insurance - $15,000 or $30,000 benefit (includes cancer insurance) - see pre-existing conditions clause - includes MetLife Critical Illness Insurance premium rate hold
Life Insurance - If not elected during the first 30 days after hire, you must complete a medical questionnaire and be approved by Minnesota Life Underwriting before benefits becoming effective.
COMPANY IDENTIFIER = JSD
