The annual open enrollment process for health and dental insurance runs through Thursday, June 7. Review the health insurance memo (FY 2019), which provides an overview of information about the health and dental insurance coverage for the plan year beginning July 1, 2018, including premium information.
Do I need to complete online enrollment?
If you answer “yes” to ONE OR MORE of the following questions, you must go online and complete an enrollment.
- Are you changing plans?
- Are you adding/dropping dependents?
- Are you declining health insurance coverage?
- Are you contributing to a medical or dependent care flexible spending account?
To enroll, go to www.alliedbenefit.com. For detailed instructions on the online enrollment process, please read the online enrollment instructions or view the six-minute instructional webinar sent yesterday via email to faculty and staff. The group number is A12126.
NOTE: You must print your enrollment confirmation after completing the online enrollment process and return to LLCC Human Resources. Changes/Enrollments CANNOT BE ACCEPTED AFTER June 7, 2018.
If you are making NO changes to your current enrollment in a health insurance plan, there is nothing you need to do to continue your coverage for FY2019.
Insurance plans
For the plan year beginning July 1, 2018, 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 important 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 Website Information
- Important Notices about Your Insurance Coverage
Health Savings Accounts
For those employees who are enrolled in the High Deductible Plan, the college will contribute $2,960 for plan year 2019. The contribution will be made in two installments of $1,480: July 15, 2018 and January 15, 2019. The maximum annual contribution into a health savings account for calendar year 2018 is set at $3,450 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:
It is also highly encouraged that anyone interested in the High Deductible Plan with a Health Savings Account schedule a meeting with Nicole Ralph or Kim Elder to review information.
New Health Savings Account Enrollees
Health Savings Accounts will be set up with Health Equity. LLCC Human Resources 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 LLCC Human Resources no later than June 14, 2018.
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.
Questions?
A representative from Allied Benefit will be on-campus Thursday, May 10 to answer any questions you have about benefit coverage, claims, physician network, etc. This session will be open house style, so feel free to stop by the Human Resources Conference Room anytime between 10 a.m. and noon or 1-3 p.m. to meet with a representative. LLCC Human Resources staff are also available to answer questions.
Please contact LLCC Human Resources for questions and/or assistance.