ROCK ENROLL! 2017-18 OPEN ENROLLMENT - HUMAN RESOURCES DEPARTMENT - COUNTY OF SAN BERNARDINO HOME

Human Resources Department
                    Employee Benefits

2017-18 Open Enrollment

June 1 – 23, 2017

Rock EnRoll!

                                                 www.SBCounty.gov

Benefit Topics                                                     Page 2

     Benefit Enhancements/Changes – What’s New
     2017-18 Medical and Dental Bi-weekly Premium Rates
     2017-18 Benefits Calculator
     Supplemental Life Insurance for Dependents (NEW!)
     FSA Rollover (up to $500 may roll to next year)
     Commuter Services Program Update
     Employee Discount Program (NEW!)
     My Health Matters!
     EMACS Self-Service

              Human Resources Department
                                                        www.SBCounty.gov
              Employee Benefits

What’s New for Benefit Plan Year 2017-18                                                     Page 3

    Dental carrier change
        Effective July 22, 2017, Delta Dental will become the new dental plan carrier for
         dental benefits, replacing Cigna Dental. Delta will provide comparable dental
         coverage for both the DHMO and DPPO plans.

    Supplemental Life Insurance for Dependents
        Eligible employees may now purchase life insurance for their eligible
         spouse/domestic partner and/or dependents

    Flexible Spending Account (FSA)
        The Flexible Spending Account (FSA) annual maximum has increased to $2,600.
         You must re-enroll each plan year to participate.

                 Human Resources Department
                                                                              www.SBCounty.gov
                 Employee Benefits

Things to Do                                                          Page 4

    Review your benefit options
         Employee Benefits Guide
         Open enrollment website
         Summary of Benefits and Coverage (SBC)
    Confirm your Dental provider – Delta is replacing Cigna Dental
    Select the plans that best suit your needs
         Including the new life insurance offerings
    Enroll in the Flexible Spending Account (FSA)
         Enrollment is optional and not required
    Review and update beneficiaries/emergency contacts as needed

                Human Resources Department
                                                         www.SBCounty.gov
                Employee Benefits

What Can I Change During OE?                                                  Page 5

   Change/enroll in medical/dental plans
   Add/remove dependents from coverage
   Elect before-tax or after-tax premium deductions
   Enroll in
        Flexible Spending Account (FSA)
        Supplemental life/accidental death & dismemberment (AD&D)
         insurance coverage

   Update Beneficiaries
        Life insurances, retirement and salary savings accounts
        Last Warrant - Submit completed paper form to your department
         payroll specialist

                Human Resources Department
                                                                   www.SBCounty.gov
                Employee Benefits

2017-18 Medical and Dental
Bi-Weekly Premium Rates                                                                Page 6

    Plan         Kaiser       Blue           Blue Shield     Blue      DeltaCare   Delta
                             Shield             PPO         Shield       USA       Dental
                            Signature                        PPO        DHMO        PPO
                              HMO                          Needles

Employee Only   $290.51      $241.08          $447.51      $505.02       $9.88     $25.08

Employee + 1    $579.01      $480.17          $909.94      $1,026.61    $15.94     $46.78

Employee + 2    $818.47      $678.61          $1,411.24    $1,589.64    $20.77     $80.08

                        Coverage is effective July 22, 2017

  Premium rates changes will appear on your August 2, 2017 pay warrant

                Human Resources Department
                                                                            www.SBCounty.gov
                Employee Benefits

Benefits Calculator                                             Page 7

   Updated with 2017-18 premiums
   Provides an estimate of your per pay period out of pocket
    benefit costs
   Allows you to compare benefit options to see what best fits
    your financial situation
   Available here:
    http://cms.sbcounty.gov/hr/Benefits/Medical,DentalVisionPlan
    s/Calculator.aspx

              Human Resources Department
                                                     www.SBCounty.gov
              Employee Benefits

New Dental Carrier                                            Page 8

   Effective July 22, 2017, Delta
    Dental will continue to offer the
    same great dental plan benefits
    as Cigna for both the DHMO
    and DPPO plans.
   Can’t find your dentist? Delta
    Dental will ask them to join their
    network!
       Simply complete the provider
        referral form and submit to
        Employee Benefits:
           Email: ebsd@hr.sbcounty.gov
           Fax: 909.387.5566
           Mail: 157 West Fifth St.
                 San Bernardino, CA 92415
           IOM: 0440

                      Human Resources Department
                                                   www.SBCounty.gov
                      Employee Benefits

Benefit Enhancements                                                      Page 9

   NEW!! Supplemental Life Insurance for Dependents
       Coverage is now available for spouse, domestic partner, and/or
        child(ren)
       Voluntary benefit – you choose to enroll and pay for coverage
       Low group rates paid through convenient payroll deduction
       The cost of coverage for your spouse/domestic partner depends on
        employee’s age and amount of coverage selected
       Single, fixed rate covers all child(ren)
       No dual coverage: Dependent(s) are not eligible if he/she is covered
        by another County employee

                Human Resources Department
                                                               www.SBCounty.gov
                Employee Benefits

Benefit Enhancements                                                                            Page 10

              Enrollment Opportunities                   Spouse/Domestic Partner
                                                            Supplemental Life
 Enrolling During Initial Enrollment Period
                                                      Guaranteed up to $50,000 without EOI
 (June 2017)
 Enrolling During Initial Eligibility Period
                                                           Guaranteed up to $50,000
 (e.g. new hire, marriage)
 Enrolling During Applicable Qualifying Event
                                                          EOI required on any amount
 (e.g. birth, adoption)
 Enrolling During Future Open Enrollment
                                                          EOI required on any amount
 (no current coverage)
 Increasing Coverage During Future Open
                                                   One $10,000 increment increase without EOI
 Enrollment (with current coverage)

    Spouse/domestic partner: $10,000 increment, up to $250,000. Subject to EOI (Evidence
     of Insurability) depends on coverage amount and/or enrollment opportunities.
    Child: $5,000 increment, up to $20,000. All amounts are guaranteed/no EOI required.
    Dependent’s coverage is capped at employee’s total combined basic and supplemental
     life and not to exceed $250,000.

                    Human Resources Department
                                                                                   www.SBCounty.gov
                    Employee Benefits

Flexible Spending Account (FSA)                                                   Page 11

   New limits announced!! Maximum annual contribution is
    increasing from $2,550 to $2,600
        Equates to $100.00 contribution per pay period

   Roll-over up to $500
        Must enroll in the following plan year to qualify for rollover benefit

   Enrollment is required each year; elections made in the
    previous year do not continue into the new plan year
   Election is irrevocable, unless you experience a qualifying
    life event

                 Human Resources Department
                                                                    www.SBCounty.gov
                 Employee Benefits

Commuter Services                                               Page 12

    The County offers a rideshare program to assist
     employees with finding alternatives to driving to work
     alone, and offering incentives for the following commute
     modes:
       Private and Hybrid Carpool Programs
       Vanpool Program
       Transit Pass Program
       Walk to Work or
        Bike to Work Programs
       Telecommuting Program
        (must be requested/approved by department)

             Human Resources Department
                                                     www.SBCounty.gov
             Employee Benefits

Commuter Services                                                                         Page 13

Employees who track their participation in the Rideshare
Program may qualify for the following incentives:
   $2/day Rideshare start-up incentive through IE Commuter, plus $2/day
    County match for first 3 months of tracking
   $25 gift cards (monthly drawing and semi-annual distribution)
   $250 cash award (one-time per participant) for purchasing and
    commuting with a qualifying zero emission vehicle
   Carpool parking permits and bike lockers where available
   Receive subsidies from the County and other transit authorities to
    reduce transit costs for the following commute modes: Hybrid Carpool,
    Vanpool*, and Mass Transit*
    *Transit fees deducted from your paycheck on a pre-tax basis (pre-tax benefit up to
    $255/month)

                Human Resources Department
                                                                            www.SBCounty.gov
                Employee Benefits

Commuter Services Contact Information                                  Page 14

    Events promoted throughout the year to keep commuters informed
     on current commute trends, topics and incentives
         Earth Day
         Bike to Work Month
         Dump the Pump
         Rideshare Week
    Annual Rideshare Luncheon w/prize raffle for eligible commuters
    Visit the Commuter Services websites for more information:
     http://cms.sbcounty.gov/hr/Benefits/CommuterServices.aspx
    Contact Commuter Services at (909) 387-9640 or
     hrcommuterservices@sbcounty.gov

                Human Resources Department
                                                             www.SBCounty.gov
                Employee Benefits

Employee Discount Program                                    Page 15

 The County of San Bernardino Human Resources
  Department has partnered with PerkSpot to bring you an
  Employee Discount Program!
 Register at www.sbcounty.perskpots.com to start saving
  You now have access to hundreds of exclusive discounts
  at some of your favorite national and local merchants

   Access your savings perks at home, on-the-go, and while
    traveling with any device

            Human Resources Department
                                                   www.SBCounty.gov
            Employee Benefits

Employee Discount Program                                  Page 16

 Also,
      don’t miss out on the San Bernardino
  County ‘Exclusive’ Discounts!
     Discounts offered ONLY to County Employees
Can’t find the perk that you are looking for?
  Or have a suggestion for a discount?
     Simply fill out the “Suggest a Merchant” form on the
      Perkspot webpage at
      https://sbcounty.perkspots.com/suggest, so that
      PerkSpot can contact that merchant and allow you and
      others to receive a discount from them.

            Human Resources Department
                                                 www.SBCounty.gov
            Employee Benefits

My Health Matters!                                                             Page 17

    Stay tuned for details on the 2017-18 Wellness Campaign that
     begins on 09/01/2017!
    24 Hour Fitness & LA Fitness discounted gym memberships
     available
    Additional discounted gym memberships are also available
     through Blue Shield, Kaiser Permanente, and at
     www.sbcounty.perkspot.com
    Visit the My Health Matters! web page for detailed information
     on Health Club Memberships
         E-mail: mhm@hr.sbcounty.gov
         http://cms.sbcounty.gov/hr/Benefits/WellnessProgram.aspx

                Human Resources Department
                                                                     www.SBCounty.gov
                Employee Benefits

EMACS Self-Service                                                                                     Page 18

   Available June 1 - 23, 2017

   All benefit changes must be completed online using EMACS self-service instructions
    on page 14 of the Benefits Guide

   Submit your final election by 11:59 pm on Friday, June 23

   New enrollees to Blue Shield Signature HMO or Delta Dental DHMO must select a
    group and provider or one will be selected for you by the carrier
   If you are a current enrollee in:
        Dental HMO, you will also need to select a new dental provider as Delta Dental will be replacing Cigna
         Dental. If one is not selected you will be auto assigned to a Delta Dental provider.
        Blue Shield HMO and only want to change your doctor, contact Blue Shield directly – do not submit
         your doctor change through EMACS self-service

   When you have finished making elections, submit then print your confirmation page

   Elections that are saved, but have not been submitted will not be processed

                      Human Resources Department
                                                                                          www.SBCounty.gov
                      Employee Benefits

EMACS Self-Service                                                 Page 19

Dependent Enrollment/Eligibility
   Enrollment changes made during OE are effective July 22, 2017
   Ex-spouses are not eligible for County-sponsored coverage,
    even when coverage is required by court order
Adding Dependents in EMACS Self-Service
   Click on ‘Add a Dependent or Beneficiary’ and enter the required
    information
   Click ‘Save’ and then click ‘OK’
   Click ‘Return to Dependent/Beneficiary Summary’ to go back to
    the summary page
   Be sure to enter a social security number for each dependent

              Human Resources Department
                                                        www.SBCounty.gov
              Employee Benefits

EMACS Self-Service                                                 Page 20

 Removing Dependents in EMACS Self-Service
    Review the listing of your dependents and/or beneficiaries
    Click on the dependent name you wish to modify and then
     ‘Edit’
    Edit information as necessary, then click ‘Save’
    Click ‘OK’
    Click to go back to the Dependent/Beneficiary Summary page
     to review
    Dependents voluntarily removed during OE are NOT
     eligible for COBRA coverage as this is not
     considered a COBRA qualifying event

              Human Resources Department
                                                         www.SBCounty.gov
              Employee Benefits

Beneficiary & Emergency Contact Updates                                                    Page 21

Open Enrollment is a good time to review your Beneficiary Designations
& Emergency Contacts
Consider updating                         Updates can be made via
Emergency Contacts                        •   EMACS Self-Service
                                          •   Paper form submitted to payroll specialist
Last Paycheck (warrant) Beneficiary       •   Paper form submitted to department payroll
Designation                                   specialist
Life Insurance                            •   EMACS Self-Service
-Implications for designating minor       •   Paper form submitted to Employee Benefits
children should be considered
SBCERA                                    •   Paper form submitted to SBCERA
Voya Accounts                             •   Paper form submitted to Voya

Forms for updating each of these items located on the EMACS Forms website:
       EMACS Forms>Employee Resources>Mid-Year Change-in-Status

                 Human Resources Department
                                                                              www.SBCounty.gov
                 Employee Benefits

Dependent Documentation                                          Page 22

 Proof of eligibility for all newly enrolled dependents must
  be submitted to Employee Benefits by 5:00 pm on
  Wednesday, July 5, 2017
    Submit to documentation to Employee Benefits at
       •   ebsd@hr.sbcounty.gov
       •   Fax: 909-387-5566
       •   IOM 0440
 A completed Disabled Dependent Certification is
  REQUIRED for dependents who are over the age of 26
  and permanently disabled
 Include name and employee ID# on documentation
 Inform Employee Benefits of any difficulties obtaining
  documentation by Wednesday, July 5, 2017

              Human Resources Department
                                                       www.SBCounty.gov
              Employee Benefits

Life events/Mid-year Changes                                                          Page 23

 If you experience a life event/mid-year change during the months of
  June/July, you will want to make sure that you submit BOTH a mid-year
  change and OE change
 Enrollment changes made during open enrollment remain in effect for
  the entire plan year
 Life events/mid-year changes are only permitted when you experience
  a qualifying life event. Examples include:
       Marriage/Registered Domestic Partnership
       Death
       Birth/Adoption
       Refer to the Life Events Chart of the Benefits Guide (pgs. 12/13)

 Submit forms and documentation within 60 days of the event
 Important Note: Newborns or children newly adopted or placed for
  adoption should be added to coverage via a family status change and
  not as an open enrollment addition

                Human Resources Department
                                                                            www.SBCounty.gov
                Employee Benefits

Opt-Out / Waive                                               Page 24

  Employees who have other employer-sponsored
   coverage or are covered under a County spouse or
   registered domestic partner, may opt-out or waive
   County-sponsored coverage

  New opt-outs/waives must use EMACS self-service to
   certify election

  Verification of other coverage, that includes the effective
   date, is due to the Employee Benefits department by
   Wednesday, July 5, 2017

           Human Resources Department
                                                    www.SBCounty.gov
           Employee Benefits

Important Dates and Deadlines                                                                         Page 25

 Open enrollment is June 1 - 23, 2017
 Supporting documentation is due to Employee Benefits by
  5:00 pm, Wednesday, July 5, 2017
 Confirmation of 2017-18 benefit elections
       Available through EMACS self-service beginning July 08, 2017
 Changes on paycheck statement
       Wednesday, August 2 for medical/dental premiums
       Wednesday, August 16 for FSA and refundable/nonrefundable
        retirement benefits
       Effective June 24, 2017, your SBCERA contribution rate will be
        changed*
   * For Tier 1 General and Safety Members, please refer to benefit guide for new rate information.
   Tier 2 rates increased to 8.45% for General Members and 15.15% for Safety Members.

                Human Resources Department
                                                                                     www.SBCounty.gov
                Employee Benefits

Contact Information/Resources                                     Page 26

Employee Benefits Contact Info
 (909) 387-5787
 ebsd@hr.sbcounty.gov
 Plan carrier and other benefit related contact information is on
  pg. 6 of the Benefits Guide

Employee Benefits Websites
 http://cms.sbcounty.gov/hr/Benefits/BenefitsHome.aspx

Benefits Calculator
 http://cms.sbcounty.gov/hr/Benefits/Medical,DentalVisionPlan
  s/Calculator.aspx

            Human Resources Department
                                                        www.SBCounty.gov
            Employee Benefits

Page 27

          Questions

Human Resources Department
                             www.SBCounty.gov
Employee Benefits