2020 Open Enrollment
November 7-15, 2019

Open Enrollment is an annual process that provides employees the opportunity to enroll in new benefit plans or make changes to existing coverage effective January 1, 2020.  Employees are encouraged to review this information to learn about all benefit offerings and make an informed decision in order to select the benefits that best fit their needs.  Now is also a great time to review and update beneficiaries.

All employees must complete, sign, date and return the Benefits Enrollment Form to human resources no later than Friday, November 15, 2019!  Select the boxes below to learn about 2020 Open Enrollment.

Medical Insurance

Dental/Vision

Flexible Spending Accounts

Life Insurance

Medical Insurance

All WCRC medical plans provide coverage for the same types of medical services; however, the employee contribution for each plan varies based on how the plan pays for those services.  Employees have flexibility deciding which option is right for them and their family.

Plan Comparison

Plan Feature PPO 4 PPO 7
Deductible $500 Individual/$1,000 Family $500 Individual/$1,000 Family
Annual Coinsurance Maximums $1,500 Individual/$3,000 Family $1,000 Individual/$2,000 Family
Annual Out-of-Pocket Maximums $6,350 Individual/$12,700 Family $6,350 Individual/$12,700 Family
Coinsurance Amounts 20% of approved amount for mental health care and substance abuse treatment

20% of approved amount for most other covered services

10% of approved amount for mental health care and substance abuse treatment

10% of approved amount for most other covered services

Office Visit Copay $20 Copay $20 Copay
Emergency Room Copay $100 Copay $100 Copay
Online Doctor Visit Copay $5 Copay $5 Copay

Deductible Copay Example PPO 4
Deductible Copay Example PPO 7

2020 Employee Contributions (per pay)

Tier PPO 4 PPO 7
Single $4.94 $15.08
2-Person $11.85 $36.19
Family $14.82 $45.24

Coordination of Benefits

Coordination of Benefits (COB) is how health care carriers coordinated benefits when members or their dependents are covered by more than one health care plan.  Under COB, carriers work together to make sure members receive the maximum benefits available under their health plan.  If an employee or any of their dependents have more than one health insurance plan it is their responsibility to notify BCBS and to complete the Coordination of Benefits Form.

Medical Buy-Out

If an employee and their dependents have medical coverage elsewhere, they can choose to waive medical insurance and receive a buy-out of $75 per pay period (up to $1,950 per year).  Proof of coverage must be provided in order to receive the buy-out. Employees and eligible dependents will still be eligible to participate in the flexible spending accounts, dental and vision insurance.

24/7 Online Health Care

WCRC medical plans include 24/7 online health care through Blue Cross Online Visits™.  With online health care, individuals can see a U.S. board-certified doctor anytime, anywhere.  No appointment needed.  Use a mobile device to log into the BCBSM Online Visits™ app, or a computer to log in to https://www.bcbsmonlinevisits.com/landing.htm.

Prescription Drug Coverage

90-Day Retail Network Pharmacy *In-Network Mail Order Provider In-Network Pharmacy (not part of the 90-day retail  network) Out-of-Network Pharmacy
Generic Prescription Drugs 1 to 30-day period $0 Copay $0 Copay $0 Copay 25% prescription drug out-of-network retail pharmacy provider
31 to 83-day period No Coverage $0 Copay No Coverage No Coverage
84 to 90-day period $0 Copay $0 Copay No Coverage No Coverage
Brand Name Prescription Drugs 1 to 30-day period $30 Copay $30 Copay $30 Copay $30 copay plus an additional 25% prescription drug out-of-network retail pharmacy provider
31 to 83-day period No Coverage $30 Copay No Coverage No Coverage
84 to 90-day period $30 Copay $30 Copay No Coverage No Coverage

Dental

Plan Comparison

Plan Feature Base Enhanced
Deductible $25 Individual/$75 Family $25 Individual/$75 Family
Maximum Benefit Amount (Class A, B, and C Services) $1,000 (per calendar year, per person) $2,000 (per calendar year, per person)
Maximum Benefit Amount (Class D Services) $1,000 (lifetime maximum, per person) $2,000 (lifetime maximum, per person)
Class A Services – Preventive 100% 100%
Class B Services – Basic 100% 100%
Class C Services – Major 50% 50%
Class D Services – Orthodontia 50% 50%

2020 Employee Contributions (per pay)

Tier Base  Enhanced
Single $3.40 $4.73
2-Person $8.16 $11.36
Family $10.19 $14.20

Vision

Vision Coverage

Plan Feature Benefit
Eye Exam (per person, in a 12 month period) $60
Frame-Type Lenses (per pair, in a 12 month period)
  Single Vision $72
  Bi-Focal $96
  Tri-Focal $120
  Lenticular $144
Frames (per paid, in a 24 month period) $60
Contact Lenses (per pair, in a 12 month period) $180 ($60 exam & $72 contact lens in lieu of glasses)

Maximum Benefit Period – one exam and/or lenses in any consecutive 12 month period. One frame in any consecutive 24 month period.

2020 Employee Contributions (per pay)

Tier Base
Single $.39
2-Person $.93
Family $1.16

Flexible Spending Accounts

Flexible Spending Accounts (FSA) are Internal Revenue Service (IRS) sanctioned benefits that provide employees with the opportunity to set aside pre-tax dollars for reimbursement of IRS approved health and dependent care expenses.  When enrolling, employees determine how much money they want to contribute to each account for the plan year and the funds are then payroll deducted in equal installments throughout.  Employees do not have to be enrolled in a WCRC medical plan to participate in an FSA.

Health Care FSA

A Health Care FSA allows employees to use pre-tax dollars for eligible medical expenses not covered by medical and dental plans (i.e., copays, deductibles, orthodontia, etc.), vision care expenses for prescription eyeglasses and contact lenses, as well as prescription medication.

Employees can contribute up to $2,700 annually to a Medical FSA. Medical FSAs are pre-funded, allowing employees access to their annual elections on the first day of participation.  Employees can carry over up to $500 of unused FSA funds remaining at the end the plan over to the next year.  Anything over $500 will be forfeited.  Additionally, changes can be made if the enrolled employee experiences an approved IRA qualifying event.

Dependent Care FSA

A Dependent Care FSA allows an employee to set aside pre-tax dollars to pay for eligible dependent care expenses for their qualified dependents. Eligible dependent care expenses are those incurred to work, look for work or attend school as a full-time student. Examples of eligible expenses may include child care facility fees, before-school and after-school care or local day camp.

Employees can contribute up to $5,000 annually, per family, to a Dependent Care FSA.  Unlike the medical FSA, the annual dependent care FSA funds are not available upfront.  Funds are only accessible as they are deposited with each payroll deduction.  Dependent Care FSA funds do not roll over year after year.  You must use your Dependent Care dollars within the plan year or they will be forfeited.

Using FSA Funds

When a qualified expense is incurred, you can use one of the following methods:

  • Debit card transactions – Use the HealthEquity FSA debit card at the pharmacy or doctor’s office for instant payment.
  • Reimbursement – If paying out-of-pocket for expenses submit a claim for reimbursement directly on the member portal and have funds electronically transferred to a personal bank account.
  • Issue payment to provider – From the HealthEquity member portal, employees can issue payments to providers by creating a new claim, or by using existing integrated insurance claims if available.

Life Insurance

During Open Enrollment, you have the opportunity to enroll or increase your optional life insurance for yourself, your spouse and your eligible dependents.

Coverage Options

Coverage Options

For you.  If you are currently enrolled in optional life insurance for an amount less than $150,000, you may elect to increase your coverage by $10,000 annually, up to, but not to exceed, the guarantee issue amount of $150,000 without having to secure medical underwriting approval.

For Your Spouse.  If your spouse is currently enrolled in dependents life insurance for an amount less than $50,000, you may elect to increase coverage by $5,000 annually, up to, but not to exceed, the guarantee issue amount of $50,000 without having to secure medical underwriting approval.

For Your Children.  If your child(ren) is/are currently enrolled in dependents life insurance for an amount less than $10,000, you may elect to increase coverage by $2,000 annually, up to, but not to exceed, the guarantee issue amount of $10,000 without having to secure medical underwriting approval.

If you, your spouse or child(ren) are not currently enrolled, you will have to secure medical underwriting approval by completing the Medical History Statement.

Employee $10,000 increments up to $500,000
Spouse $5,000 increments up to $350,000
Dependent Children $2,000 increments up to $10,000
 Guaranteed Issue

Employees may enroll for a certain amount of insurance without answering health questions.  Guaranteed issue amounts are as follows for coverage applied for within 31 days of employment or during a designed open enrollment period:

Employee Up to $150,000
Spouse Up to $50,000

Optional Life Rates (per month)

Age Band Employee
(per $1,000)
Spouse
(per $1,000) 
Child
(per $1,000) 1
<24 0.048 0.048 0.170
25-29 0.055 0.055
30-34 0.067 0.067
35-39 0.090 0.090
40-44 0.137 0.137
45-49 0.219 0.219
50-54 0.348 0.348
55-59 0.535 0.535
60-64 0.836 0.836
65-69 1.451 1.451
70-74 2.588 2.588
75+ 4.500 4.500

1 The premium paid for child coverage is based on the cost of coverage for one child, regardless of how many children you have.

Example

Member age 40, choosing $100,000 of coverage:

1.    Your coverage amount $100,000
2.    Divide your coverage amount by 1,000 $100,000/1,000 = 100
3.    Using the rate table, find the rate that corresponds with your age as of January 1 $0.137
4.    Multiply the answer of line 2 by line 3 100 X $0.137 = $13.70
5.    Total premium per month $13.70