Insurance Open Enrollment

2020 Health Insurance Open Enrollment 

Open Enrollment Dates: Oct 28 - Nov 8, 2019
Open Enrollment CLOSES at 5 p.m. Nov. 8, 2019
All changes will take effect January 1, 2020

 Welcome to Open Enrollment for 2020

EnrollmentButton

If you need additional assistance please contact the Insurance Office at 801-826-5428.

2020 Open Enrollment Interactive Guide 

Multimedia Video Message  

Benefits Fair:

October 29, 2019
Mount Jordan Middle School
4 - 7 p.m.


To help you to get to know our benefit carriers, we will be having a benefit fair during the enrollment window.   Many of our carriers have online resources and mobile apps that can help you manage your accounts and your personal health. We strongly encourage you to attend, talk with the carriers, ask questions, and become familiar with the insurance options and the tools that they offer.  They are eager to assist you and ensure that you have a positive experience.   

We are aware that some participants would like to enroll while attending the benefit fair.   There will be a computer lab available during the fair for participants to complete their enrollment.  

2020 Benefit flyer


 

Summary of Carrier Changes

The District will not be changing the insurance carriers for the 2020 benefit year.  

Summary of Health Plan Changes

There are two major enhancements to the health plans this year.
1) For Individuals who enroll in the High Deductible plan and qualify to participate in the HSA, the District is enhancing the Employer Contribution amount to the HSA. The District will increase the HSA contributions and enhance how those contributions are allocated. In 2020, the District will provide two separate contributions. The first is a direct contribution that will be allocated in equal amounts incrementally over the benefit year. The second is a dollar for dollar match contribution that will depend on the employee’s election amount.
     
        District Direct Contribution

           Single                $400
           Employee +1      $600
           Family                $800

      District $ for $ Match Contribution  
         Single                  $400
         Employee +1        $600
         Family                  $800

2) PEHP has enhanced the Star Qualified High Deductible plan to allow qualifying medications to be covered with a copay before the deductible has been met.   Please see the PEHP Enhanced Preventive Medication list on the insurance page for more details. This enhancement should benefit employees who have chonic medical conditions that require regular maintenence medications for their medical conditions.

Expanded Preventive Drug List

2020 Enhanced HSA Contributions

2020 Enhanced HSA Contributions

Insurance Carrier Information

 
             
  2020          
  Insurance Plan  Carrier Network Description Phone Number   
  Health Insurance PEHP Advantage Network  The Advantage Network  predominantly utilizes the Intermountain Healthcare system and its assosciated physicians, hospitals and clinics  (800) 765-7347  
  Health Insurance PEHP Summit Network  The Summit Network utilizes the University of Utah, Iasis, and Mountain Star heatlhcare systems and their associated physicisans, hospitals and clinics    (800) 765-7347  
  Dental Insurance  EMI HEALTH EMI Health EMI Health administers four different plan designs.    (800) 662-5850  
  Vision Insurance EMI HEALTH VSP   EMI Health administers two plan designs that utilize the VSP provider network.    (800) 662-5850  
  Life & Disability Insurance MetLife   MetLife administers the District's life & disability insurance coverage. (800) 929-1492  
  Flexible Spending /HSA Discovery Benefits     Discovery Benefits manages the District's Flexible Spending and Health Savings Accounts.  They also administer the District's COBRA benefits.  (866) 541-3399  
  Employee Assistance program (EAP) Blomquist Hale    The employee assistance program is a counseling service that assists employees and their families with a variety of counseling needs.  (801)262-9619  
             
 
   

Open Enrollment FAQs


Q: When is the open enrollment period for the 2020 plan year?

A: Open enrollment will be Oct. 28 - Nov. 8. The Enrollment window will close at 5:00 PM on Friday, November 8, 2019.  All employees who want to have health, dental, vision, flexible spending or HSA elections in the 2020 plan year will need to go through the enrollment process.  Benefits, particularly FSA and HSA benefits, cannot transfer to the new year.  Voluntary plans that are not changing will also require participants to confirm their elections.

Q: I don't know what my user name or password is for the enrollment system.

The enrollment system requires you to set your own User Name and Password by first registering on the website.  This security feature ensures that only you have access to your account.   To register, just click on the "new user registration" link that appears under the Password field.  This registration process is an easy straight forward process; just fill in the fields as indicated.  The Company Identifier is "Canyons".  More detailed steps are available in the erollment guide included in the supplemental benefit materials.

Q: Will I need to do anything during open enrollment?

A: Yes. As has been the case with previous years, Open Enrollment for the 2020 plan year is mandatory.  This is for your benefit. If you don't complete the open enrollment, you run the risk of not having your preferred benefit elections in the 2020 benefit year.  All employees who are eligible for insurance in 2020 must log in and confirm their elections, even if they want to decline benefits. This online enrollment must be completed by 5 pm on Nov 8, 2019.  If you would like to contribute to an HSA or FSA account you must make this election during the open enrollment period.  If you do not elect for the HSA during open enrollment, you will not be eligible to receive the HSA Employer Contributions.  Midyear elections to the HSA or FSA will not be allowed without a qualifying event.

Q: Why do I have to participate in the enrollment process? Why can't I just be enrolled automatically?

A: The selection of a health plan is a personal decision and depends largely on your personal circumstances. Needs and circumstances change from time to time. We encourage employees to examine their benefit needs annually to determine if any changes need to be made. This is your only opportunity to make changes without a qualifing event, and we suggest that you consider your options and verify your coverages.  In addition, IRS guidelines require particpants who wish to contribute to an FSA or an HSA to elect an amount each year.   If an employee doesn't elect an amount to contribute to these accounts, they will not have an opportunity elect later without a qualifying event.

Q: How do I choose a health plan: Step 1 – Traditional vs Qualified High Deductible Health Plan

A: The choice between the Traditional plan and the Qualified High Deductible Health plan is a choice that rests on your personal feeling about security vs control. The Traditional plan is more about security. You pay a higher monthly premium but you pay less for the deductibles and the out of pocket maximum. Conversely, you also pay a higher monthly premium even if you don’t require any medical care during the year. The High Deductible plan is more about having control over your health care dollars. You pay substantially less in premium and in exchange you will be expected to cover more of your upfront costs based on the deductible and out of pocket maximum. To help manage the insecurities associated with this plan, the IRS allows you to set money aside in a Health Savings Account (HSA).  The funds in this account can be used to cover the costs you may incur. A very risk averse person would likely lean toward the Traditional plan, and a person who wants to have more control over how their health care dollars are spent will likely lean toward the High Deductible plan.

Q: How do I choose a health plan: Step 2 – Advantage vs Summit

A:  This choice rests on which network you prefer. The Advantage network is mainly the Intermountain Health Care (IHC) network, whereas the Summit network is essentially the Non–IHC affiliated hospitals and clinics.   This would include Mountain Star, Iasis, and the University of Utah Health Care clinics and hospitals. Some individuals might have strong opinions toward one network or the other, while others don’t really care at all. The plan designs are equivalent and you should receive excellent care through both networks.  If you don’t have strong feelings toward one or the other, you may want to look at the list of covered hospitals on page 10 & 11 of the benefit guide, and select the network with the hospital closest to your home.

Q: How do I choose a Health plan: Step 3 – Base vs Buy Up

A: This question concerns out-of-network coverage. While the base option has regional network agreements that allow participants to receive emergency services out of the Utah region, they don’t provide any kind of out-of-network benefit. The Buy Up option allows you to have out-of-network coverage. There are two advantages to the Buy Up:  first, some participants who travel might have concerns about finding a doctor to treat a medical need while traveling. This option allows them to get services almost anywhere.  Second, some people might be treated for a condition by a specialist that may not be in their preferred network. The Buy Up allows them to have coverage for this out-of-network specialist. The additional cost is substantial, so you will want to consider your projected out-of-network costs carefully before selecting this option.

Q: I don’t understand the HSA tax dependent rules. Who can I use my HSA dollars for?

A: Because the HSA is governed by the IRS, the HSA regulations follow tax law for dependency. This means that the funds can only be used for medical expenses for either you or your tax dependents. In short, if you claim a dependent on your taxes, you can use your HSA dollars for their approved medical expenses.  If you don’t claim them as a tax dependent, you can’t use your HSA to pay for their medical expenses. This can be confusing because the Affordable Care Act allows children to stay on a parent's health plan until they reach age 26, but dependents who are in their 20’s may, or may not be a tax dependent. Let me give you an example. I have two children, one age 22 and one age 24. The 22 year old is a student and living at home and I claim him as a dependent for taxes. The 24 year old has graduated from college, is married and has started a career. I don’t claim her on my taxes. I am however, covering both children on my health insurance. I can use my HSA to cover the medical expenses of the 22 year old because they are still my tax dependent; however, I can’t use my HSA to cover the expenses of the 24 year old because I no longer claim her as a dependent on my taxes.

Q: Will my premiums change?

A: As was agreed in the District's annual negotiation, the District will cover the cost increase for the base levels of coverage for the 2020 benefit year.  Employee premiums will stay the same for all Base Plans.  However, employees who elect to enroll in the Buy Up options will see a small increase as the employee is responsible to cover the additional cost of the Buy Up plans.

Q: Will my benefits change?

A: The only changes to the 2020 Benefit Year are enhancements.   The District will be increasing the District's contributions to the HSA and enhancing how those contributions are allocated.  Another new enhancement for High Deductible plan in 2020 is that certain medications that qualify as preventive can be obtained with a copay before the deductible has been met.

Q: Why are Social Security Numbers required for my dependents?

A: The Social Security Number is the unique identifier used by insurance companies to reconcile claims data when more than one carrier is involved. Starting January 2015, the Affordable Care Act requires that pharmacy claims and health insurance claims both count toward the annual out-of-pocket maximum. While this is a small change to the plan design, it requires a major change to the administrative process. In order to accumulate claims data toward the annual out-of-pocket maximum, the carriers must communicate and reconcile claims between the pharmacy and health administrators. If dependent Social Security Numbers are not recorded in the enrollment system, then the claims incurred may not accumulate toward your out-of-pocket maximum correctly. If you do not have Social Security Numbers for your dependents, please contact the Insurance Department as soon as possible at 801-826-5428 or send an email to This email address is being protected from spambots. You need JavaScript enabled to view it. and we will assess your situation to determine your options.

What carrier changes will occur in the 2020 Benefit Year?

The District will not be making any carrier changes for 2020.