2021-2022 Open Enrollment - Yuma County Employee Benefit Trust - April 8 - May 8, 2021
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Yuma County Employee Benefit Trust 2021-2022 Open Enrollment April 8 – May 8, 2021
Due to Covid-19 Pandemic this year we will be having Passive enrollment.
What is Passive Enrollment?
A passive open enrollment allows an employee to simply carry over their
previous year elections to the new plan year without having to verify, change
or update their benefit elections.
**There is one exception to the passive enrollment. IRS guidelines require an active election each
plan year if you participate in one or all of the following accounts: Flexible Spending Account (FSA),
Dependent Care Flexible Spending Account (DCFSA) and/or Health Savings Account (HSA). Human
Resources Benefits will send a separate email to current FSA, DCFSA and/or HSA members to inform
them to make their new plan year deductions for July 1, 2021 through June 30,2022.
What if I want to make changes?
To make changes to your benefits: You must log in to your portal to make your selection.
This is the time, you can change plans, add or remove dependents, add or remove
voluntary benefits.
Deadline to complete May 08 , 2021
Benefits that CAN rollover: Benefits that do NOT Roll over:
Medical FSA –Medical
Identity Protection FSA- Dependent
Dental Coverage HSA- Employee contribution
Vision Coverage Increase of Supplemental Life
Basic/ AD&D
Supplemental Life
Spouse Life
*Dependent Life
EAP
VP Pet Coverage
• FSA guidelines do not allow to manually enroll & select the same amount as previous years for this benefit. If you want to continue with FSA you must
log in and enroll in FSA medical or dependent. If you do not log in to enroll your FSA medical or dependent you would lose this benefit.
• HSA employee contribution must also be selected by employee only ( this can not be rolled over by employer), if you do not log in to enroll it would be
a 0.00 Employee contribution.
4 20/07/2021 Add a footer
Enrollment Eligibility Eligible Dependents • Legal Spouse • Child(ren) up to the age of 26 • Adopted Child(ren) • Step Child(ren) Documents Required • Marriage License • Birth Certificate • Legal guardianship • Adoption documentation *Only required for new dependents added to any benefit plan
Medical Insurance July 1, 2021-June 30, 2022
PPO Option A Deductible • Individual: $900 • Family: $2,700 Co-Insurance/Co-pay • Plan pays 80% after deductible • $ 25 Physician office visits • $ 35 Specialist and Urgent Care Maximum Out of Pocket Per Year • Individual: $4,800 • Family: $9,600 Emergency Room • $175 + deductible + co-insurance
PPO Option A: Cost
Yuma County Employee Employee Employee
Monthly Cost Pays Premium Premium Per Premium per
Monthly Paycheck Paycheck with
Wellness
Employee $735.14 $661.82 $73.32 $36.66 $26.66
Employee + $1,543.78 $1,155.08 $388.70 $194.35 $184.35
Spouse
Employee + $1,227.66 $962.24 $265.42 $132.71 $122.71
Children
Employee + $2,036.22 $1,455.48 $580.74 $290.37 $280.37
Family
PPO Option B Deductible • Individual: $1,200 • Family: $2,400 Co-Insurance/Copay • Plan pays 70% after deductible • $ 30 Physician office visits • $ 40 Specialist and Urgent Care Maximum Out of Pocket Per Year • Individual: $6,200 • Family: $12,400 Emergency Room • $175 + deductible + co-insurance
PPO Option B: Cost
Yuma County Employee Employee Employee
Monthly Cost Pays Premium Premium Per Premium per
Monthly Paycheck Paycheck with
Wellness
Employee $704.60 $661.82 $42.78 $21.39 $11.39
Employee + $1,392.04 $1,155.08 $236.96 $118.48 $108.48
Spouse
Employee + $1,123.30 $962.24 161.06 $80.53 $70.53
Children
Employee + $1,810.68 $1,455.48 $355.20 $177.60 $167.60
FamilySSA Mexico July 1, 2021-June 30, 2022
SSA Mexico Coverage
Enrollment Eligible
• PPO Option A
• PPO Option B
Coverage Levels
• Individual: $5,000 Services Performed
• Family: $10,000 two or more • Medical and Pharmacy
• Families share the $10,000. any persons cannot use
more than $5,000 • Prescription needed, 30 day supply
• No Dental/Vision benefits
Co-Insurance/Co-pay • Out-patient Behavioral Health Treatment
• No co-pay or deductibles • No over the counter prescriptions
• No out-of-pocket expensesHigh Deductible Health Plan (HDHP) – Health Savings Account (HSA) Deductible • Individual: $1,500 • Family: $3,000 Co-Insurance/Copay • Plan pays 80% after deductible Maximum Out of Pocket Per Year • Individual: $4,500 • Family: $9,000 Emergency Room • deductible + co-insurance
What is an HDHP HSA?
• Choose any provider on Network
• After deductible is met, plan shares cost of eligible expenses
• This can be paid from your HSA as long as there’s money in the account
• Helps pay your deductible
• Funds roll over
• Money can be used for non-medical expenses after age 65
• Tax-free for eligible expenses
• Balance can be invested
• Fully portable, money stays with youAm I Eligible for an HSA?
To qualify for an HSA, an individual:
• Must be covered by a qualified HDHP
• Must be over 18 years
• Cannot be enrolled in any part of
Medicare or Medicaid
• Cannot be claimed as a dependent on
someone else’s tax return
• Cannot be covered by any other
insurance planHDHP- HSA: Cost
Yuma Employee Employee Premium per HSA
Monthly County Pays Premium Premium Per Paycheck Monthly
Cost Monthly Paycheck with Deposit
Wellness
Employee $661.82 $661.82 $0.00 $0.00 *20.00 LP $50.02
FSA CARD
Employee + $1,332.02 $1,155.08 $176.94 $88.47 $78.47 $50.02
Spouse
Employee + $1,070.02 $962.24 $107.78 $53.89 $43.89 $50.02
Children
Employee + $1,740.24 $1,455.48 $284.76 $142.38 $132.38 $50.02
FamilyHDHP-HSA: Contributions
Individual Limit
• $3,600 (including employer contribution $50.02)
Dependent/Family Limit
• $7,200 (including employer contribution $50.02)
Age 55+ catch-up allows
• $1,000
HSA employee contribution must be re- submitted by employee each plan year;
employee contribution will not roll over on passive enrollment.Blue Care Anywhere
What is telehealth?
Telehealth enables virtual visits with boards certified physicians, counselors, and
psychiatrists using a smartphone, tablet, or computer.
Healthcare professionals are available any day, any time for treating a wide range of
physical and psychological care needs- either within minutes or a request or by
appointment.
HDHP/HSA –
Applies to Deductible/OOP Max
Medical $49.00
Counseling $80.00 (45 minute –Masters level)
Counseling $95.00 (45 minute Doctorate level)
Psychiatry $175.00 (Initial Visit)
Psychiatry $90.00 (Follow up, ~15 mins)
PPO Option A and PPO Option B –
Some members, may show that a cost share is required Applies to OOP Max
as programming is updated. If a member does not Medical $10.00
receive a zero dollar cost share, you can use coupon – Counseling $20.00
AZFREE. Psychiatric $20.00Avoid Urgent Care or Clinics
Telehealth is available 24/7
BlueCare Anywhere is available now.
Download the APP TODAY or visit BlueCareAnywhereAZ.comPain Relief Therapy (PRT)
Inner Balance Therapeutics by LLC Sandy Franco
The Pain Relief Therapy (PRT) is now
being administered by the Yuma County
Employee Benefit Trust (YCEBT) Benefits
Division.
Employees and dependents under the
YCEBT are eligible to receive 12 sessions
during a plan year (July – June)
How do I enroll in the program?
• Email innerbalancetherapeutics@gmail.com You will receive a registration form to be
completed for you and each dependent who you want to enroll in PRT.
• Once completed; email that form back to Sandy Franco, you will receive notification from
Benefits Staff once you qualify to start scheduling your appointments.
• If you fail to cancel your scheduled appointment with 24hr notice there is a$35.00 fee.Incentive July 1, 2021-June 30, 2022
Wellness Incentive Requirements –
Due Date May 1, 2021
Complete Annual Physical Complete Real Age Test
• Extended to July 31st • Go to azblue.sharecare.com
• Wellness exam between April 1, • Complete real age test ( will require
2020 and through July 31, 2021. biometric results)
• Turn in Physical Exam
Acknowledgment form to Benefits
(only if Physician is in Mexico)
• Not Mandatory
• Medical History does not determine if you qualifyPharmacy Benefits
July 1, 2021-June 30, 2022
23Pharmacy Benefits
PPO Option A PPO Option B
Generic Drugs Retail: $5 copay Generic Drugs Retail: $5 copay
Mail Order: $10 copay Mail Order: $10 copay
Preferred Brand Drugs Retail: 20% to $45 max Preferred Brand Drugs Retail: 30% to $45 max
Mail Order: 20% to $90 max Mail Order: 30% to $90 max
Non-Preferred Brand Drugs Retail: 20% to $80 max Non-Preferred Brand Drugs Retail: 30% to $80 max
Mail Order: 20% to $160 max Mail Order: 30% to $160 max
HDHP
Generic Drugs Deductible + Coinsurance
Preferred Brand Drugs Deductible + Coinsurance
Non-Preferred Brand Drugs Deductible + CoinsuranceSmart Phone App • Check medications on file • View pharmacy alerts • Order refills and renewals • Check on the status of an order • Locate a Pharmacy • Transfer Rx to Home Delivery • Access Information about medication
Life Insurance July 1, 2021-June 30, 2022
Life Insurance Overview
Ochs, Inc. Minnesota Life
Basic Life + AD&D
• 1x annual salary, not to exceed $50,000
• Covered by Yuma County
Supplemental Life
• Increase by $10,000 every year during open enrollment
• Personal Health Application (EOI) required if requesting more
than $10,000 or after guaranteed amount 350,000
• Maximum Amount $1,000,000 or 7x annual earnings
Spouse Life Child(ren) Life
• Increase by $5,000 up to 20,000 • Covered up to the age 26
• Over $20,000 requires EOI • Elect $10,000 to $20, 000 max
• $250,000 guarantee maxAdded Services for Support
Beneficiary Counseling Services
Beneficiaries receiving 25,000.00 or more will be invited to access professional guidance to
help them make sound financial decisions.
Legacy Planning Resources
A website that provides self-help tools for
getting a person’s affairs in order in advance as
well as dealing with the loss of a loved one.
Funeral Concierge services
Legal, Financial and Grief Resources
Creating a will
Advice on legal matter
Financial Security
Complementary 30-minute consultation with
attorneys
Travel Assistance
• Emergency Medical
• Pre-Trip Information
• Emergency Personal Services
• Lost or stolen luggageFlexible Spending Account
July 1, 2021-June 30, 2022
29Flexible Spending Account
(FSA)
Medical Account Dependent Care Account
• $180 to $2750 yearly election • Up to $5,000 election
• Pre-tax contribution funded by • Children under the age of 13
employee • Before and After school care
• Daycare
• Entire annual election available
• Daycamps
upfront
• Adult Daycare
• Used to pay for qualified healthcare
(medical, Rx, dental, vision)
• Must elect every year
o Carryover: The carryover will be updated to
be unlimited for plan years ending in 2020
and 2021.
Limited Purpose FSA o Grace Period: The grace period will receive
the 12-month grace period extension for plan
• Dental & Vision expenses only for years ending in 2020 and 2021
those enrolled in HDHP-HSA plan
* FSA benefit will not roll over; employee must elect this benefit to for new plan year
2021-2022Vision Benefits
July 1, 2021-June 30, 2022
31Vision Plans
VSP Davis
• $10.00 Co-pay for eye exam
• $10.00 Co-pay for eye exam
• $25.00 Co-pay for lenses
• $25.00 Co-pay for lenses
• Diabetic eye exam included
• $20.00 co-pay for diabetic eye exam
• $120.00 frame or contact allowance
• $150.00 frame or contact allowance
• No ID cards issued
Monthly Premium Monthly Premium
Employee $10.38 Employee $6.68
Employee + One $20.72 Employee + One $12.02
Employee + Family $33.36 Employee + Family $18.68Dental Plans July 1, 2021-June 30, 2022
Dental Plans
Total Dental Administrators (TDA) Delta Dental
• No Plan year max • Annual benefit max $2,500
• No Plan year deductible • Annual deductible $50/$100
• No waiting periods • Preventive Services covered 100%
• Procedures: Pre-set prices • 6 month waiting period for major
• DHMO plan services
Monthly Premium Monthly Premium
Employee $15.24 Employee $38.46
Employee + One $32.26 Employee + One $83.52
Employee + Family $41.66 Employee + Family $110.36Pet Insurance July 1, 2021-June 30, 2022
Pet Insurance • Choose Plans from • Major Medical Plan + Pet Wellness Plan • Major Medical Plan • Pet Wellness Plan • Rates available through enrollment
Identity Protection July 1, 2021-June 30, 2022
Covered Services
• Identity & Credit Monitoring
• New credit cards, home & auto loans
• Annual credit & Monthly credit score
• Detect fraud sooner
• Social Media Reputation
• Wallet Armor
• Manage the contents of your wallet
• Easy viewing of important documents:
credit cards, drivers license, passports
Monthly Premium
• Replace, cancel missing contents
Employee $7.96
• Password Protection
Employee + Family $13.96Online Enrollment
April 8, 2021 – May 8, 2021
39HRIntouch Portal: Accessing Your Account
Online Enrollment
www.yumacountyaz.hrintouch.com
Username
• YC + 6 digit Employee ID
• (entering enough zeros before
employee ID # to get 6 digits)
• Example: YC099047
Password
• Reset by using the “can’t access
your account link”
• Contact Benefits for further
assistanceHRIntouch Portal:
Accessing Your Account
• Computer/ Laptop
• Smart Phone
• Tablet
41How to Start Enrolling
Begin Enrollment 1. Complete “To Do List”
2. Acknowledge and Submit 2021-2022 Yearly Notices
• April 08 – May 08
3. Go to “ My Benefits”
4. Start Enrollment process
5. Each step must be completed before you continue to
the next
6. Review or Print your current Benefit TabDue to Covid-19 Pandemic this year we will be having Passive enrollment.
What is Passive Enrollment?
A passive open enrollment allows an employee to simply carry over their
previous year elections to the new plan year without having to verify, change
or update their benefit elections.
**There is one exception to the passive enrollment. IRS guidelines require an active election each
plan year if you participate in one or all of the following accounts: Flexible Spending Account (FSA),
Dependent Care Flexible Spending Account (DCFSA) and/or Health Savings Account (HSA). Human
Resources Benefits will send a separate email to current FSA, DCFSA and/or HSA members to inform
them to make their new plan year deductions for July 1, 2021 through June 30,2022.
What if I want to make changes?
To make changes to your benefits: You must log in to your portal to make your selection.
This is the time, you can change plans, add or remove dependents, add or remove
voluntary benefits.
Deadline to complete May 08 , 2021Your HR Benefits Staff
Maribel Valtierra
928-373-1165
Maribel.Valtierra@yumacountyaz.gov
Karla Vazquez
928-373-1151
Karla.Vazquez@yumacountyaz.gov
Alejandra Jimenez
928-373-1151
Alejandra.Jimenez@yumacountyaz.gov
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