The annual open enrollment process for health and dental insurance runs through Thursday, June 8.  Please thoroughly review this memo (Health Insurance Memo -FY2018) that provides an overview of information about the health and dental insurance coverage for the plan year beginning July 1, 2017, including premium information.

 You must go online (click to open online enrollment instructions) to complete the enrollment process if you are:

• declining health insurance coverage;
• changing plans;
• adding/dropping dependents; and/or
• contributing to a medical and/or dependent care flexible spending account.

YOU MUST PRINT YOUR ENROLLMENT CONFIRMATION AFTER COMPLETING THE ONLINE ENROLLMENT PROCESS AND RETURN TO THE HUMAN RESOURCES OFFICE. CHANGES/ENROLLMENTS CANNOT BE ACCEPTED AFTER JUNE 8, 2017.

If you are currently enrolled in the Open Access Plan or High Deductible Plan and wish to make no changes to that enrollment for the new plan year and do not want to enroll in a medical and/or dependent care flexible spending account, there is nothing you need to do.

INSURANCE PLANS
For the plan year beginning July 1, 2017, there are no changes to benefit levels or plan design for the Open Access Plan, High Deductible Plan, Vision Benefit and Dental Plan.  For a complete schedule of benefits for each plan and importance notices about your health insurance coverage, please click on the links below:

Open Access Plan Schedule of Benefits

High Deductible Plan Schedule of Benefits

Vision Plan Schedule of Benefits

Cigna Dental Schedule of Benefits

HDHP FAQs

HealthLink

Important Notices About Your Insurance Coverage

Important Contact Information

HEALTH SAVINGS ACCOUNTS
For those employees who are enrolled in the High Deductible Plan, the College will contribute $3,092 for plan year 2018.  The contribution will be made in two installments of $1,546:  July 15, 2017 and January 15, 2018.  The maximum annual contribution into a health savings account for calendar year 2017 is set at $3,400 for those opting for employee only coverage in the High Deductible Plan.  This includes both employer and employee contributions.  In order to make tax-free deposits into a Health Savings Account, you must meet the following IRS eligibility requirements:

• must be enrolled in a qualified high deductible plan;
• must have no other health insurance coverage;
• must not be enrolled in Medicare;
• must not be claimed as a dependent on another person’s tax return.

For more information about health savings accounts, please review the following:

HSA FAQ

IRS Publication 969

IRS Qualified Medical Dental Expenses

Those interested in the High Deductible Plan with a Health Savings Account should schedule a meeting with Nicole Ralph in HR to review information.

New Health Savings Account Enrollees

Health Savings Accounts will be set up with Health Equity.  We will be in contact with you to set up a meeting to go through the enrollment process and answer questions.

Current Health Savings Account Holders

Please complete the HSA Authorization Form and return to the Human Resources Office no later than June 15, 2017.

AFFORDABLE CARE ACT SUMMARY OF BENEFITS AND COVERAGE

In compliance with the Affordable Care Act, LLCC has provided a Summary of Benefits and Coverage (SBC) for each plan offered.  This document, in a standardized format, summarizes important information about each health coverage option to help you compare across options.  This document is meant to help you compare plans.  You may contact the Human Resources Office for a paper copy.  Please refer to the Schedule of Benefits above for more specific plan information.

Open Access Plan SBC

High Deductible Plan SBC

Please contact the Human Resources Office for questions and/or assistance.