City of San José Interactive 2021 Open Enrollment Guide
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City of San José
Interactive 2021
Open Enrollment
Guide
Message From HR Medical, Dental & Other Benefits Mental Health &
Vision Wellness
> Welcome to our > Life & Disability
› EAP
Interactive Open > Medical > Healthcare FSA › Coping with COVID-19
Enrollment Guide
> Dental > Dependent Care FSA › Achieving Balance
> Open Enrollment
> Vision › Indulge in Time for You
Message > Commuter & Parking
> Deferred Compensation
2
Welcome to the City of San
José Interactive Open
Enrollment Guide!
During these unusual times, your benefit choices are
important in supporting the health and wellbeing of you
and your family members.
For this year’s Open Enrollment, we still want all
employees to still have that Benefit Fair “feel” with all the
COVID-19 protections.
We hope that through this presentation, we can help in
providing you with relevant and timely information that tie
with your benefits.
Message From HR Medical, Dental & Vision Other Benefits Mental Health & Wellness
3
Open Enrollment Message from Your HR Benefits Team
Open Enrollment is your once-a-year opportunity to review existing benefit elections and:
• Enroll, waive, or change medical, dental, or vision plans.
• Enroll or re-enroll in Flexible Spending Account: Medical Reimbursement (MRA) and/or
Dependent Care (DCAP).
• Change medical carrier (i.e., Kaiser to Anthem) or change medical plan (i.e. from HMO to PPO).
• Enroll or remove eligible dependents for medical, dental and/or vision plans.
• Update your 2021 Anthem or Kaiser HSA contributions.
No action is required to keep your current benefits, except for Flexible Spending Accounts
(FSAs), Health Savings Account (HSA), and Wellness Rewards Program.
Need More Information?
• Visit the City’s Open Enrollment site, or
• Contact Human Resources at HRBenefits@sanjoseca.gov or call (408) 535-1285
Message From HR Medical, Dental & Vision Other Benefits Mental Health & Wellness
4
Medical, Dental
& Vision
> Medical
> Dental
> Vision
5
City of San José Anthem Plans
• $20 Copay Select HMO • $100 Deductible Classic PPO
• $1500 Deductible Select HMO • $2500 HSA Qualified Deductible
• $100 Deductible Select PPO Classic PPO
• There are no copay or coinsurance changes for 2021; there will be a rate increase of
approximately 8% for the Anthem plans
• The Anthem $1500 Deductible Select HMO will continue to have “zero” premiums for individuals
and families in 2021
• A family can save over $1,100/year in employee contributions by switching from the Kaiser $25 to
the Anthem $20 Copay Select HMO plan.
• LiveHealth Online visits remain at “zero” copay for 2021. For members enrolled in the $2500 HSA
PPO plan, zero coinsurance will apply once the deductible has been met.
• Want to learn more about the City’s Anthem Health Plan offerings? Attend an Anthem Open
Enrollment Webinar or sign-up for 1x1 visit with an Anthem Enrollment Specialist by using the
Employee Benefits Events Calendar.
Message From HR Medical, Dental & Vision Other Benefits Mental Health & Wellness
6
City of San José Kaiser Plans
• Kaiser $25 Copay
• Kaiser $1500 Deductible
• Kaiser $3,000 HSA-Qualified Deductible
• Kaiser medical plan offerings will remain the same for 2021; there will be a rate increase of
approximately 6.3% for the Kaiser plans
• The Kaiser $1500 Deductible and $3000 Deductible Plans will continue to have “zero”
premiums for individuals and families in 2021
• Need an appointment but do not want venture out? Kaiser offers interactive telehealth visits at
no charge to the CSJ Kaiser members for the $20 Copay Plan and the $1500 Deductible
HMO plans.
• Do not forget to take care of yourself and take advantage of Kaiser’s self-care apps with
myStrength and Calm which are free to Kaiser members. CSJ Kaiser members can sign up
for both apps through Kaiser’s Wellness Resources website.
• Want to learn more about the City’s Kaiser Health Plan offerings? Attend a Kaiser Open
Enrollment Webinar or sign-up for 1x1 visit with a Kaiser Enrollment Specialist by using the
Employee Benefits Events Calendar.
Message From HR Medical, Dental & Vision Other Benefits Mental Health & Wellness
7
Mobile Resources
Resources are for members only. A login may be required.
Message From HR Medical, Dental & Vision Other Benefits Mental Health & Wellness
8
Helpful Tips
Click on the videos below that can help you be better consumers of your plans :
Medical Insurance Terms 101 PCP, Urgent Care or ER?
Which Plan Is For You, HMO or PPO? Rx Helpful Tips
Message From HR Medical, Dental & Vision Other Benefits Mental Health & Wellness
9
DELTA DENTAL APP
Provides members enhanced 24/7 service
and ease-of-access to the information that
matters most.
• No plan changes for 2021
• Save the most with staying in the PPO network, here’s why:
• You maximize your savings with a PPO dentist
Use the mobile Or, get the free app
• You won’t be charged more than your expected share of the site to: and you can also:
bill. Access your ID card Get a cost estimate
Check eligibility, Use a musical tooth
• Want to have a healthier smile? Watch this short video for a benefits brushing timer
few tips: and claims Get the app from
Find a dentist by the App Store or
your location Google PlayTM
Manage your profile Search for “Delta
Dental”
Message From HR Medical, Dental & Vision Other Benefits Mental Health & Wellness
10Exclusive Member Discounts:
Access to sizeable 62% average savings off retail 40-50% off the national average price
savings hearing aid pricing,3 backed by a of Traditional LASIK
best price guarantee
Convenient Broad nationwide network of 1,000+ LASIK locations
locations providers
Quality care and Access to the nation’s leading Experienced LASIK surgeons who
products brands featuring the latest hearing have collectively performed 6.5+
aid technology million procedures
Customized support Amplifon acts as your enrollees’ A QualSight care manager will walk
personal concierge at every step your enrollees through the program,
coordinate care and help them select
the right physician and procedure
For more Call 1-888-779-1429 or visit Visit QualSight’s site or call 1-855-
information Amplifon’s site. 248-2020
Message From HR Medical, Dental & Vision Other Benefits Mental Health & Wellness
11• No plan changes and no rate increases for 2021
• Create an account at vsp.com to:
• Review your coverage, or
• Find a network doctor
• Where you can find the perfect eyewear:
• VSP Independent Doctor’s offices
• Visionworks, Costco, Sam’s Club
• Visit vsp.com/specialoffers to enjoy exclusive MemberWatch this short video to learn why it’s
Extras important to get a routine eye exam
Message From HR Medical, Dental & Vision Other Benefits Mental Health & Wellness
12START SAVING
NOW.
CHECK OUT
EYECONIC.COM®
TODAY.
HAPPY EYES, HAPPY LIVES. MORE REASONS TO LOVE EYECONIC:
With vision benefits, you’ll get VIP status at • Free shipping and returns
Eyeconic®. • A free frame adjustment or contact
When you connect your benefits to buy consultation—on us
contacts, glasses, or sunglasses, you’ll • Save up to $120 on contacts with an annual
immediately see your savings. supply discount
No out of- network claims necessary. • See yourself in any pair with our Virtual Try-on
tool
• Choose from 50+ popular brands
Message From HR Medical, Dental & Vision Other Benefits Mental Health & Wellness
13VSP Think you might have
hearing loss?
Take this fast, free
VSP® Vision Care members can save up to 60% on the online screening.
latest brand-name hearing aids. Dependents and even
extended family members are eligible for exclusive
savings, too
TruHearing provides members with:
• Three provider visits for fitting and adjustments
• A 45-day trial
• Three-year manufacturer warranty for repairs and one-time loss
and damage replacement
• 48 free batteries per hearing aid
Learn more about this VSP Exclusive Member Extra at
truhearing.com/vsp or call 877.396.7194 with questions
Message From HR Medical, Dental & Vision Other Benefits Mental Health & Wellness
14Other Benefits
> Life & Disability
> Flexible
Spending
Accounts
> Deferred
Compensation
15Voluntary Term Life Insurance and/or Accident Coverage
Want to increase your additional life insurance coverage? During Open Enrollment you can
increase current coverage depending without medical underwriting.
Standard Life Insurance Plan Increases to Current Coverage & Medical Underwriting
If you are insured for Plan 3 Life Medical Underwriting will not be required for you to increase your Plan 3 Life
Insurance Insurance amount by $20,000 (but not to exceed the $200,000 Guarantee Issue
Amount).
If you are insured for Plan 2* Life Medical Underwriting will not be required for you to become insured for a Plan 3
Insurance Life Insurance benefit that is equal to or less than the amount of your Plan 2 Life
Insurance benefit (rounded to the next higher multiple of $10,000, if not already
a multiple of $10,000).
If your Spouse/Domestic Partner Medical Underwriting will not be required for your Spouse to switch from Plan 2
is insured for Plan 2* to Plan 3 and instead become insured for $10,000 of Plan 3 Dependents Life
Dependents Life Insurance Insurance.
If your Spouse/Domestic Partner No allowable increases without medical underwriting during the Open
is insured for Plan 3 Dependent Enrollment period.
Life Insurance
**Plan 2 Life Insurance
You may be insured under Plan 2 if you are an active employee and have been continuously insured for Plan 2 Life Insurance since
April 27, 2013, and meet the requirements to be insured for Plan 2 Life Insurance. If you opt-out Life 2 you cannot go back to Life 2.
Message From HR Medical, Dental & Vision Other Benefits Mental Health & Wellness
16Value Added Services
Benefits included at no additional cost
Travel Assistance Life Services Toolkit
A comprehensive worldwide travel assistance program that Online tools and services can help you create a will, make
includes pre-trip planning and emergency assistance to covered advance funeral plans and put your finances in order. After
persons while traveling 100 miles or more from home. a loss, your beneficiary can consult experts by phone or in
person, and obtain other helpful information online.
Some of the services included are:
Passport, visa, weather and currency exchange information, Services to Help You Now Through standard.com/mytoolkit
health hazards advice and inoculation requirements Estate Planning Assistance
Help replacing prescription medication or lost corrective Financial Planning
lenses and advancing funds for emergency medical Identity Theft Prevention
payment Funeral Arrangements
Connection to medical care providers, interpreter services, a
local attorney, consular office or bail bond services Services for Your Beneficiary
Logistical arrangements for ground transportation, housing Grief Support
and/or evacuation in the event of a natural disaster, political Legal Services
unrest and social instability Financial Assistance
More information on travel assistance through the Standard Support Services
click here Online Resources
Message From HR Medical, Dental & Vision Other Benefits Mental Health & Wellness
17Voluntary Personal Accident Insurance
This employee-paid Accidental Death and Dismemberment (AD&D) insurance can help protect
families from financial hardship by paying a specified benefit amount upon death or serious injury
due to a covered accident.
Benefits from this plan include:
• Additional benefits include, but are not limited to, rehabilitation, hospital stays, bereavement and
trauma counseling, spouse job training, child care and identity theft protection.
• Filling critical gaps in coverage and unexpected expenses not covered by other insurance
benefits, such as life, disability, health, or workers' compensation.
• Enroll anytime! Guaranteed issue coverage - no medical underwriting is required.
• Payable benefits for living events such as dismemberment, paralysis, and coma.
• Protection against accidents anywhere in the world, on or off the job, on business, on vacation,
and at home
This plan does NOT cover critical illnesses. Please click here for more information and
how to enroll.
Message From HR Medical, Dental & Vision Other Benefits Mental Health & Wellness
18Healthcare Flexible Maximum
contribution amount
Spending Account (FSA) for 2020 is $2,750.
Flexible Spending Account (FSA) lets you set aside money from your paycheck on a pre-tax basis
to use for eligible out-of-pocket expenses. You can sign-up for the Medical Reimbursement Account
(MRA) to spend you FSA contributions on the eligible general-purpose health expenses such as:
• Copays, coinsurance and deductibles
• Prescription drugs and over-the-counter (OTC) items1
• Dental expenses like orthodontia, crowns and bridges
• Vision expenses like LASIK eye surgery, glasses and contacts
• The City’s plan has a “Grace Period” provision which allows
you to incur a claim eligible expenses and for 2021 the Grace
Period is March 15, 2022.
• You must re-enroll in this benefits every year.
1Some OTC items may require written prescription
• In 2021 monthly fee is reducing from $3.75 to $3.25
Elected MRA amount is available on the 1st day of the plan year (January 1st). For a list of
eligible items, click here.
Message From HR Medical, Dental & Vision Other Benefits Mental Health & Wellness
19Maximum Annual
Dependent Care FSA Contribution is $5,000
per household.
The Dependent Care (DCAP) Flexible Spending Account let’s you save
money on day care expenses for children up to age 13 or a disabled spouse
or dependent of any age who are incapable of self-care.
Eligible expenses include:
• After-school Care or Extended Day Programs
• Licensed babysitting & childcare providers
• Summer or sports camps (overnight or sleepaway not eligible)
• Disabled Dependent Care Expenses
• Elder Care
In 2021 monthly fee is reducing from $3.75 to $3.25
DCAP funds are available as soon as election amounts are deposited into the account (money in,
money out).
Click here to learn how easy it is to submit claims to P&A.
Message From HR Medical, Dental & Vision Other Benefits Mental Health & Wellness
20Maximum monthly
Commuter and Parking contribution is $270
Accounts each for commuter
and parking
Commuter Benefits helps save 40% or more by allowing
you to set aside pre-tax dollars to pay for qualified
commuting expenses incurred on the way to and from the
office.
You can use your benefit plan dollars for:
• Bus, train & ferry expenses.
• Parking spots at or near your regular place of work.
Visit padmin.com for more information.
Message From HR Medical, Dental & Vision Other Benefits Mental Health & Wellness
21Preparing for retirement Contribution Limits for 2020:
• Maximum of $19,500
It’s A Journey, Not a Destination • Age 50 Catch-Up: If you are age 50 or
over, you may contribute an additional
Deferred Compensation Plan $6,500 beginning in the year you turn
age 50.
The City of San José 457(b) Deferred Compensation Plan (Plan) • Special Catch-Up – twice the annual limit
was established under Section 457 of the IRS Code. It is a voluntary (if allowed by the plan): $39,000.
benefit that provides a convenient way for City employees to defer Pending 2021 IRS Contribution Limits
and invest a portion of their wages into a retirement account.
Plan Options:
• Pre-Tax: Contributions and earnings on the not subject to current
federal or state income taxes. Income plus earnings are taxable.
• Roth Post-Tax: Contributions to this plan are considered “after-
tax,” which means taxes are withheld when you contribute.
However, qualified distributions on your contributions plus any
earnings are completely tax- free – if distribution requirements are
met.
Message From HR Medical, Dental & Vision Other Benefits Mental Health & Wellness
22Preparing for retirement
It’s A Journey, Not a Destination
Deferred Compensation Plan
Want to speak to a representative about VEBA investment options? Voya representatives
can assist you.
• You can make an online appointment using Voya’s online appointment tool at
https://csj.timetap.com/;
• You can also speak to the City’s Voya Representatives:
• Peter Ng: 408-386-6061 / Peter.Ng@voya.com
For participants from the following departments: Airport, Independent Police Auditor,
Library, PRNS, Police, and DOT.
• Nancy Agaiby: 408-892-0744 / Nancy.Agaiby@voya.com
For all other departments not listed above.
Need more information on Voluntary Deferred Compensation? Click here for more information.
Message From HR Medical, Dental & Vision Other Benefits Mental Health & Wellness
23Retirement Programs
It’s A Journey, Not a Destination
VOLUNTARY EMPLOYEES' BENEFICIARY ASSOCIATION (VEBA)
A VEBA is an individual, self-directed, tax advantaged savings plans with
portability and survivorship benefits, which may be used to pay for post-
retirement healthcare premiums, prescriptions, co-pays, and other qualified
healthcare related expenses. Beginning in 2018 all full-time Federated Tier 2B
and Police and Fire Tier 2 employees were mandated to join the VEBA, with
the exception of Unit 99.
• One of the benefits of a VEBA plan is your ability to manage your account
throughout the course of your employment with the City.
• Open Enrollment is a good time to review your account to determine your
investment allocations and to ensure that your eligible dependent
information is up to date.
Click here for more information.
Message From HR Medical, Dental & Vision Other Benefits Mental Health & Wellness
24Retirement Programs
It’s A Journey, Not a Destination
VOLUNTARY EMPLOYEES' BENEFICIARY ASSOCIATION (VEBA)
Want to speak to a representative about VEBA investment options? Voya representatives can
assist you.
• You can make an online appointment using Voya’s online appointment tool at
https://csj.timetap.com/.
• You can also speak to the City’s Voya Representatives:
• Peter Ng: 408-386-6061 / Peter.Ng@voya.com
For participants from the following departments: Airport, Independent Police Auditor,
Library, PRNS, Police, and DOT.
• Nancy Agaiby: 408-892-0744 / Nancy.Agaiby@voya.com
For all other departments not listed above.
Need more information of VEBA? Click here for tools and resources and information on how
to log into your VEBA Account.
Message From HR Medical, Dental & Vision Other Benefits Mental Health & Wellness
25Mental Health &
Wellness
> Employee Assistance
Program (EAP)
> Coping with COVID-19
> Achieving Balance
> Indulge in Time for
You
26EMPLOYEE ASSISTANCE PROGRAM
Your EAP through MHN is here to help with life’s many challenges. Below are the services
that are available to City of San José employees, dependents, and household family
members at no additional cost.
Problem‐solving support Work and life services
Call for help with life’s ups and downs. MHN is Experts can help you balance your work with your life! Call
here 24/7 to connect or refer you to a professional MHN for:
who can help with: • Childcare and eldercare assistance
• Financial Services
• Marriage, family and relationship issues.
• Legal Services
• Stress, anxiety and sadness. • Identity Theft Services
• Grief, loss or responses to traumatic events, • Daily Living Services
and more
Employees are entitled to 5 sessions per incident Need help?
except for Police, Fire, and Public Safety Call toll-free, 24/7: 1-800-242-6220 | TTY users call 711.
Dispatchers who are entitled to unlimited Or visit us at: members.mhn.com and register with the company
sessions. code:
Sessions can be telephone, web video • Police, Fire, Dispatchers) web access: sanjosesworn
consultations or face-to-face.
• Non-Sworn web access: sanjosenonsworn
Message From HR Medical, Dental & Vision Other Benefits Mental Health & Wellness
27COPING WITH COVID-19
Facing a pandemic such as COVID-19 can be stressful and scary. How can you
remain calm?
Manage your media exposure. Staying current on important changes (e.g. travel bans)
is appropriate, but it’s not necessary to check news outlets multiple times a day.
Stay connected with friends and loved ones. Try to discuss various topics, not just the
current crisis. Schedule regular video chats or phone calls.
Maintain routines when possible. If your old routines (e.g., leaving for work) aren’t
possible, establish new ones such as daily walks or exercise.
Seek out meaningful, productive activities. Make something creative, clean out an
overstuffed closet or take an interesting course online.
Many of these strategies apply to helping children cope, too. Additional steps to
support them include:
Correcting any misinformation
Allowing them to express their feelings
Providing verbal and physical comfort
Instructing them on ways to stay healthy
Remaining patient
Message From HR Medical, Dental & Vision Other Benefits Mental Health & Wellness
28ACHIEVING BALANCE
Is your life in balance? Feeling stressed and pulled in many directions at
once has become business as usual for today’s workers. However, stability
between your work, home, and social lives are key to feeling and working your
best, so its important to create a healthy balance.
Life is a balancing act. Begin
Follow these success tips for life and work: striking that balance with this
mini-meditation.
Review your goals: Define your personal, professional, and social goals
and identify the means for reaching them. Once you recognize the
importance of personal pursuits, you’re more likely to make time for them.
Be aware of technology: The line between work and personal time gets
further blurred when it’s so convenient to work from your mobile device.
Hold yourself accountable or ask a loved one to help keep you
Interested in learning more? Browse
accountable; turn off your mobile devices during quality time with friends learning courses with data-driven
and family. advice from experts to help you
Add personal health to your to-do list: Put exercise, leisure activities, develop and maintain a healthy
family and social time, and other important activities on your calendar like work-life balance.
any other can’t-miss appointments. You’ll have more energy for both work
and play when you are refreshed, healthy, and enjoying your newfound
balance.
Message From HR Medical, Dental & Vision Other Benefits Mental Health & Wellness
29INDULGE IN TIME FOR YOU
If life-work balance seems elusive, maybe you’re trying too hard. A tight Making changes to how you
handle stress can be hard. Here
schedule can produce stress, but making room for unplanned leisure helps
are some questions that might
relieve stress. help you get started.
Give yourself time to recharge and even improve mental health. Here are 5
me-time tips:
Want more ways to destress?
Check out 21 Ways to Manage
1. Indulge in what rejuvenates. Whether it’s a hot bath, meditation or riding a bike, Everyday Stress
don’t feel guilty when you aren’t busy.
2. Go for a walk. Walking is great exercise, but even a leisurely stroll can boost your
mood, according to research.
3. Relax about family time. Stay in the moment instead of always formally planning
family activities. Cook a meal, visit a local park or play a game together.
4. Connect with nature. Take time to watch clouds, stars and birds in flight.
Connecting with nature increases the sense of well-being, according to University
of California research.
5. Spend time with your pet. Relaxing with your pet can lower stress hormone
levels. Pennsylvania State psychologists found simply being around a dog
dampens stress responses.
Message From HR Medical, Dental & Vision Other Benefits Mental Health & Wellness
30Thank You! The information in this Interactive Guide is a general outline of the benefits offered under the City of San José benefits program. This Interactive Guide may not include all relevant limitations and conditions. Details and limitations are provided in the plan documents, which may include a Summary of Plan Description (SPD), Evidence of Coverage (EOC), and/or insurance policies. The plan documents contain relevant plan provisions. If the information in this Guide differs from the plan documents, the plan documents will prevail.
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