2016 Annual Election for Health Insurance (plan summaries)

Click the link to go to that section below:

2016 HealthFlex annual election period starts Nov. 4, 2015

The annual election period for making changes to your health insurance and flexible spending accounts begins at noon on Nov. 4, 2015 and continues until midnight on Nov. 19, 2015.

Watch your mail for your Annual Election Kit. Open this important information immediately, so you don’t miss the deadlines. See more information below and on the menu of pages to the right.
What you can do during the election period:
                                      • Make Flexible Spending Account (FSA) elections  
                                      • Add or drop dependents on your plan
                                      • Review your 2016 benefit summaries


Follow these steps to make elections online

1. Start at www.gbophb.org .
2. Click on “Annual Election” (or “HealthFlex/WebMD” under Account Login).
3. Log in (WebMD username and password).
4. Use Coverage Advisor to help your decision-making process.
5. Click on “Annual Election” or “HealthFlex Plan Benefits” to reach the HealthFlex online benefits portal.
6. Choose your HealthFlex plan and/or FSA elections as appropriate.
7. Approve and confirm your elections before you log out.


Flexible Spending Accounts (FSA)

MRA (Medical Reimbursement Account)
  • Annual Max - $2,550
  • Minimum - $300
DCA (Dependent Care Account)
  • Annual Max - $5,000
  • Minimum - $300

A $500 carryover for an MRA is permitted in the IRS “use it or lose it” rule.

Learn more about Flexible Spending Accounts

New plan for 2016 for Active HealthFlex Plan participants

The plan has changed for active participants in the HealthFlex Plan (under 65; not on Medicare) for 2016. The Blue Cross Blue Shield (BCBS) PPO B750 has been discontinued. The plan for 2016 will be BCBS PPO B1000 P1.See a BCBS PPO B1000 P1 plan summary 

What’s new with the plan?

  • Deductible is now $1,000 for Single; $2,000 for Family

  • Out-of-Pocket Maximum (i.e., the maximum amount you would pay as your cost-share during the plan year) now includes medical and behavioral health plus pharmacy expenses.  You will no longer have a separate out-of-pocket maximum for pharmacy expenses.  You also will see slight changes to pharmacy co-payments for 2016.

  • Out-of-Pocket limit is now Single $5,000; Family $10,000 (Combines medical, pharmacy, and behavioral health) Please note: Although the total limit decreases from $5,500 (medical $3,500; pharmacy $2,000) to $5,000; your potential out-of-pocket could be higher than 2015.  If you primarily used one benefit, then your out-of-pocket expenses could increase.  If this is the case, you may want to increase your FSA/Medical Reimbursement Account.

  • OptumRx – Prescription Drug Provider. As of August 2015, Catamaran is now OptumRx. Visit the OptumRx website

See a BCBS PPO B1000 P1 plan summary 

Dental plan
CIGNA Traditional Dental – There are no changes to the 2016 CIGNA Traditional Dental (TDEN1)
Group Plan ID# 2464058
If you would like to print a CIGNA dental card, visit the website http://www.cigna.com/

Participants in United HealthCare Medicare Advantage PPO 

If you are enrolled in the United HealthCare Medicare Advantage Plan there is nothing you need to do during Medicare Open Enrollment and The HealthFlex Annual Election time. Your coverage will continue as is.

United HealthCare will be issuing member kits directly to you. If you have not received your member kit by the end of December, please contact our Willis North America consultants at (800) 640-1898 or patientcare4u.com


Dental plan

Guardian Dental Plan (for those 65 and older) – the Dental Program with Guardian is not changing for 2016. If you are currently enrolled, you will continue unchanged.