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Human Resources

Open Enrollment 2017

Open Enrollment is closed for the July 1, 2017 – June 30, 2018 plan year.


Updates For 2017-2018

DENTAL PLANS

No changes to the dental plan designs. 

Dental DHMO Plan – we are pleased to announce that the DHMO rate for 2017-2018 will remain unchanged. 

Dental DPPO Plan – the rate for the PPO will increase by 4.55%.

Dependent Coverage Update – currently, dependent children are eligible to remain on the dental plan until the end of the month in which they turn age 19. However, if the dependent is a full‐time student, coverage is extended to the end of the month in which he/she is no longer a full‐time student (prior to turning age 23) or, if full‐time student status is maintained, to the end of the month in which he/she turns age 23.

As of July 1, 2017, dependent coverage eligibility under the dental plans will mirror coverage under the medical/vision plan. A dependent will be covered under the dental plans until the end of the calendar year in which he/she turns age 26. The University Benefits office will no longer verify full-time student status for these dependents. When dependents age off the plan at age 26, they will be offered the opportunity to continue dental coverage on COBRA.

If you currently have a dependent who is under age 26 and continuing dental coverage on COBRA, you may add him/her to your dental coverage, during Open Enrollment, for an effective date of July 1st.

Reminder: Deductibles and annual limits are calculated on a calendar year basis, even though our plan is year is July-June. Please plan accordingly.

Per Paycheck Premiums (July 1 2017 – June 30, 2018)


MEDICAL PLANS

No changes to the medical plan designs.

CIGNA Telehealth – As of July 1, 2017, CIGNA participants can see a board-certified doctor with private, online, and live appointments via a secure video or phone conversation. Participants are able to choose from two Telehealth vendors, American Well and MDLIVE, how they want to connect, and the time and day that works best for them with medical Telehealth services available 24/7/365. Telehealth doctors can treat many common health issues including cold & flu, joint aches and pains, fever, bronchitis and more. Participants with children can also turn to CIGNA Telehealth services for non-emergency pediatric care. Telehealth services provide a more immediate and potentially lower cost alternative to traditional ‘in person’ care, such as hospital ERs and Urgent Care clinics.

For more information on CIGNA Telehealth click here.

IRS Change in Health Savings Accounts (HSA):  The IRS has updated the following limit, effective January 1st of each respective year:

Plan

Coverage Type

2016

2017

2018

HSA Contribution Limit

Individual

$3,350

$3,400

$3,450

Family

$6,750

$6,750

$6,900

Please note: The Family deductible and out-of-pocket maximums are cumulative. There is no individual limit for employee plus one or family coverage.

Per Paycheck Premiums (July 1 2017 – June 30, 2018)


HEALTH CARE FLEXIBLE SPENDING ACCOUNT

2017-2018 Health Care Flexible Spending Account Plan Year Maximum

Flexible Spending Accounts (FSAs) allow you to set aside pre-tax dollars on a per-paycheck basis to save for expenses not covered under your medical plan.

The annual limit has increased to $2,600 (up from $2,550 in 2016-2017) for the July 1, 2017 through June 30, 2018 plan year.

You must enroll, during each Open Enrollment period, in order to participate for the new plan year.

Click here to access a list of Eligible Expense Items.

Reminder: Deductibles and annual limits are calculated on a calendar year basis, even though our plan is year is July-June. Please plan accordingly.


Per Paycheck Premiums


General Reminders:

Cigna’s Pre-Enrollment Hotline

If you are considering changing plans during Open Enrollment and have coverage-related questions, CIGNA’s pre-enrollment hotline number is 1-800-401-4041 (available 24/7 during the Open Enrollment period).


Mail Order Pharmacy Co-Payments – For Certain Maintenance Medications

One (1) copayment for a three (3) month supply of certain maintenance medications via CIGNA Home Delivery pharmacy. This benefit pertains to the maintenance medications on this list only. As the list may change from time to time, please log into your account, at  www.mycigna.com, for the current list of covered medications.


CIGNA Lab Services

In most instances you should not experience any issues, as your physician automatically sends your lab work to the correct CIGNA-participating lab. However, if the in-network provider sends your lab work to a non-participating vendor, the claim will be processed at the out-of-network level or not covered at all (if you are enrolled in an in-network only plan). As such, we strongly recommend that you inform your provider of the participating labs whenever you utilize these services. The following provides some guidance on how to best handle these services.

What you need to do when lab work is needed:

  • Find network labs by going to mycigna.com or calling the number on your CIGNA ID card.
  • Tell your doctor you want to use a CIGNA network lab.
  • If your doctor takes a sample in the office, tell your doctor to send it to a CIGNA network lab.
  • Bring a print-out of participating labs to your appointment.
  • Make sure the lab is an in-network lab. Just because a lab accepts your CIGNA ID card, it doesn’t necessarily mean that the lab is contracted within the CIGNA Open Access Plus network.

If an in-network doctor does not send your lab work to a participating provider and your claim is processed at the out-of-network level (or not covered if you are in the In-Net $50 or Network Core Plan), you do have the right to appeal the decision. This can be done by contacting CIGNA’s customer service department at the number listed on your ID card.


Annual Deductibles, Out-Of-Pocket Maximums, Etc.

Annual deductibles, out-of-pocket maximums, etc. are based upon a calendar year.


Benefits to Consider During this Open Enrollment period:

Benefits to Consider Throughout the Plan Year (Can be Changed During the Year):


Need Help?

For assistance with your enrollment selections, please contact the University Benefits office, at 914-923-2828 (X22828), or via e-mail at openenrollment@pace.edu or at benefits@pace.edu.