Annual Election for Health Benefits

Contacts

Human Resources and
Benefits Manager
(978) 682-8055 ext. 121

 

Benefits Assistant
(978) 682-8055 ext.122

 

 

 

2020 HealthFlex Participants Annual Election

The Annual Election for 2020 HealthFlex benefits

will be Oct. 30 to Nov. 14, 2019  (midnight CST)

HealthFlex Plans remain the same for 2020:

  • HealthFlex B1000 plan OR H2000 plan with HSA
  • Cigna Dental Passive PPO 2000 Plan
  • VSP Exam Core
  • Flexible Spending Accounts*

See our summary of benefits page (for 2019 information)

See a PDF comparison of the B1000 vs H2000 plans for 2020 - includes info added on 11-8-19

*The H2000 plan includes a limited FSA/MRA; see the plan comparison for details.

What you need to do:

  • Review your Personal Information and Dependents
  • Add or Drop Dependents from your Plan
  • Save Money through Flexible Spending Accounts (FSA) :
    • Health Savings Account (HSA) — $3,550 Individual, $7,100 Family Annual Max Contribution, (if age 55 or older, you can add $1,000 catch up)
    • Dependent Care Account (DCA) — $5,000 Annual Max. Minimum: $300.
    • Medical Reimbursement Account (MRA) — $2,700 Annual Max (this is for 2019; the 2020 rate is not yet available). Minimum: $300.
  • Review your 2020 Benefit Summaries and other helpful information

 

ALEX Benefits Counselor

Use ALEX (on HealthFlex /WebMD) to learn about which plan(s) best meet your family or individual needs. ALEX uses simple language to explain your plan benefits in order to help you:
• Understand how your HealthFlex plan(s) work
• Estimate out-of-pocket costs and how to make the most of reimbursement accounts

IMPORTANT: To use ALEX, you will need the 2020 Copay Premium costs.  Find those here - includes info added on 11-8-19.

Other tools to help with your decision making

 

Important Rule: Flexible Spending Accounts Medical Reimbursement Account (MRA) and Dependent Care Account (DCA)

If you cease working during the plan year—whether due to retirement, termination of employment or a leave of absence—your coverage Medical Reimbursement Accounts (MRA): Flex Spending Account (FSA) and Dependent Care Account (DCA) is terminated your last day of employment. 

Only eligible expenses incurred before you stop working may be reimbursed from your FSA or DCA. Expenses incurred after your termination date are not reimbursable. Also, if your coverage terminates during the plan year you will have only 90 days after the date your coverage ends to submit claims for eligible expenses incurred before your termination date (i.e., before and including your final date of employment).

HealthFlex Participants Turning Age 65 during 2020

When a Participant with HealthFlex Benefits reaches age 65 they are eligible for our Group-Sponsored Medicare Advantage (PPO) Plan with UnitedHealthcare (UHC).  The UHC Group Medicare Advantage (PPO) plan includes United Healthcare Medical Plan, Guardian Dental Plan and Optum Rx Plan. 

Once enrolled onto the UHC Group Medicare Advantage (PPO) plan the following will be terminated:

  • HealthFlex coverage: (Blue Cross and Blue Shield Medical plan, Cigna Dental Plan, Optum RX Plan and Vision plan.
  •  Medical Reimbursement Accounts: Flexible Spending Account and Dependent Care Account.
  • Virgin Pulse
  • WebMD
  • Annual wellness incentive

Eligible expenses incurred prior to your HealthFlex Plan termination may be reimbursed from your Medical Reimbursement Accounts: Flexible Spending Account and Dependent Care Account.  Expenses incurred after your HealthFlex Plan termination date are not reimbursable. Also, if your coverage terminates during the plan year you will have only 90 days after the date your coverage ends to submit claims for eligible expenses incurred before your termination date (i.e., before and including your final day on the HealthFlex Plan). HSA balance remains available until the funds are exhausted.