Know Your Choices!!!
Choosing the right health plan can be a daunting experience. CalPERS offers key resources on the CalPERS website (www.calpers.ca.gov) to help you choose the health plan that is right for you. Open Enrollment begins September 14 and will end October 9, 2015. Although Open Enrollment officially ends on October 9th, all forms are due at the Human Resources Department no later than October 8, 2015, at 6:00 p.m. City Hall will be closed on October 9th and there will not be anyone available to collect enrollment change forms.
You are encouraged to use this opportunity to review your benefit elections and make changes to your health plans for the 2016 calendar year.
A few things we would like to emphasize during this year’s Open Enrollment campaign:
- Changes submitted during Open Enrollment will take effect January 1, 2016.
- Forms required to make any changes to your health benefits, are provided below. Hard copies are available at the Human Resources Department after September 17, 2015.
- When you have completed the changes, please forward the forms to the Human Resources Department no later than October 8, 2015, 6:00 p.m.
- If you elect not to change any of your benefits, no further action is required. Your benefits will remain the same and will continue without any interruption.
- If you elect to participate in the Flexible Spending Account (FSA) plan for the 2016 calendar year, a new enrollment form is required.
2016 Health Program Highlights:
- Health Net now provides their SmartCare HMO coverage in 21 counties including Alameda, Contra Costa, and Sacramento.
- Blue Shield is enhancing its prescription benefit for Basic members by giving them the option to fill a 90-day prescription supply at select retail pharmacies when mail services is not practical or preferred.
- Anthem HMO, Blue Shield HMO and PERSCare/Choice/Select Basic subscribers will have access to a new online tool, Welvie, that will allow them to minimize unnecessary and/or inappropriate surgeries. More information is available on the CalPERS website.
- To view a video presentation about 2016 CalPERS health plans’ unique features, visit www.calpers.ca.gov.
- Anthem Blue Cross PPO is standardizing acupuncture and chiropractic benefits for Medicare plan benefits.
Take the time to understand your benefit choices so you can make sound decisions in choosing the right plan for you and your family. Please come by the Human Resources Department table at the Employee Picnic/Benefits Fair on September 17, 2015, from 11:00 a.m. – 2:00 p.m. You can also contact the Human Resources Department via email at email@example.com or via telephone at 510-747-4900.
Medical plan information can be found by using the links below. If you are seeking to add a new eligible dependent to your medical plan, please note that you will be required to provide certified documentation confirming their eligibility. Please be prepared to present either a marriage or birth certificate, or other qualifying documents, such as court order documents or adoption records of your dependents with your enrollment form.
If you want to change your medical plan, please indicate the name of your new health plan on line #9 of the HBD12 Enrollment Form, and make sure you list all your eligible dependents (including yourself) in box #17.
CalPERS Health Plans
The Vision Service Plan (VSP) is a voluntary benefit, fully paid by the employee. Please review the Summary of Benefits provided
below to learn more about your coverage
Dental enrollment is mandatory for all benefitted employees. This benefit is fully paid by the City of Alameda, and any eligible dependents can be enrolled or unenrolled during this season. Please review the Summary of Benefits provided below to learn more about your deductibles and services covered.
Life Insurance-ING Direct
There is no formal open enrollment period to purchase voluntary supplemental life insurance for yourself and/or your eligible dependents. An Evidence of Insurability is required for all new elections; see form below. Please note that in order to purchase life insurance for your spouse or child(ren), you are required to purchase supplemental life insurance for yourself. Rate information is also provided below. This optional benefit is fully paid for by the employee.
You can also take this opportunity to update your beneficiary information for your life insurance, including the City-paid Basic Life Insurance.
Discovery Benefits Inc.
Flexible Spending Account (FSA)
Enrollment in the Discovery Benefits Inc. (DBI) FSA Health Care Reimbursement or the Dependent Care program requires an annual election. Through these programs, employees are allowed to set aside pre-tax funds in an amount up to $5,000 per calendar year ($2,500 if parents are filing taxes separately) for eligible dependent care expenses, or $2,500 per calendar year, for eligible health care expenses. DBI will provide all participants a free debit card that can be used for health care expenses, in lieu of requesting reimbursements. The employee paid administrative fee will be $4.75/month after tax. See the benefits guide provided above, to determine if this is a voluntary benefit you want to elect.
Transportation Savings Account (TSA)
DBI will continue to provide a Transportation Savings Account (TSA), also commonly known as a Commuter Check Program. Employees interested in setting aside pre-tax funds for parking or mass transit expenses, are encouraged to apply. There will be no administrative fee attached to this benefit, however, if an employee enrolls in the TSA and either FSA programs offered by DBI, the administrative fee for the FSA program will be reduced to $4.00/month. See the publications listed below to learn more about the benefits provided by the TSA program.