SPD: Open Enrollment

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Governor Mitch Daniels

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Open Enrollment 2010

Open enrollment 2010 gets underway Nov. 2 and continues until noon (EST) Nov. 23, 2009.

Login to complete 2010 benefits enrollment (starting Nov. 2)

Before you make your selections, you need to arm yourself with information about what options are available with next year’s health care benefits.

The state will still offer three medical health plans through Anthem. Two of the plans are consumer driven health plans, just what has been offered in the past. The third plan is a Traditional PPO plan, but it is not the same plan as the Trad II plan that is currently offered. Welborn is once again being offered to our employees in southwestern Indiana.

Non-Tobacco Use Agreement

The tobacco incentive will change from being a flat $500 reduction on your deductible, to a $10 discount on your bi-weekly premium, whether your coverage is single or family. By accepting the agreement, you will not use tobacco products during 2010 and will submit to testing. If you fail to keep your part of the agreement, you will lose the discount on your premium and you will lose your job.

2010 Rates

Plan	Coverage	Biweekly Employee Premium	Biweekly Employer Premium	Biweekly Total Premium	Early Retirees (Monthly)	Cobra (Monthly)
CDHP 1	Single Family	$10.00 $10.00	$128.34 $399.24	$138.34 $409.24	$299.74 $886.69	$305.73 $904.42
CDHP 1 w/ Non-Tobacco Use Incentive	Single Family	$0.00 $0.00	$128.34 $399.24	$128.34 $399.24	$278.07 $865.02	$283.63 $882.32
CDHP 2	Single Family	$31.00 $59.68	$149.46 $441.54	$180.46 $501.22	$391.00 $1,085.98	$398.82 $1,107.70
CDHP 2 w/ Non-Tobacco Use Incentive	Single Family	$21.00 $49.68	$149.46 $441.54	$170.46 $491.22	$369.33 $1,064.31	$376.72 $1,085.60
Traditional PPO	Single Family	$86.56 $231.16	$181.26 $505.02	$267.82 $736.18	$580.28 $1,595.06	$591.88 $1,626.96
Traditional PPO w/ Non-Tobacco Use Incentive	Single Family	$76.56 $221.16	$181.26 $505.02	$257.82 $726.18	$558.61 $1,573.39	$569.78 $1,604.86
Welborn HMO	Single Family	$58.49 $139.04	$181.26 $505.02	$239.75 $644.06	$519.46 $1,395.46	$529.85 $1,423.37
Welborn HMO w/ Non-Tobacco Use Incentive	Single Family	$48.49 $129.04	$181.26 $505.02	$229.75 $634.06	$497.79 $1,373.80	$507.75 $1,401.28
Dental	Single Family	$1.02 $2.68	$9.16 $24.12	$10.18 $26.80	$22.05 $58.06	$22.49 $59.22
Vision	Single Family	$0.17 $2.52	$1.47 $1.64	$1.64 $4.16	$3.55 $9.01	$3.62 $9.19

View a complete breakdown of all 2010 rates

Educate yourself about 2010 Open Enrollment

Try the Benefits Calculator

Estimate your biweekly net pay (take home pay) based on the 2010 health plan coverage amounts.

Click the calculator to start

Compare the Anthem options: CDHP 1, CHDP 2 and Traditional PPO

View the Summary of Benefits for 2010

Webinars/PowerPoints

2010 Open Enrollment Plan Information
This PowerPoint is being presented at the above informational sessions/webinars.
Download as slideshow | Download as PDF

View the Open Enrollment webinar

Help Sessions

Once Open Enrollment starts on Nov. 2, help sessions will be available in the IGCS Conference Center Room 31 from 8 a.m.- 4 p.m. On Nov. 4 and Nov. 18, the hours are extended from 7:30 am – 6 pm.

Employees need to come prepared, already having researched their options, and with all personal data required to open an HSA if they don’t currently have a Tower Account. The sessions are designed for Benefits Specialists to assist employees with entering elections and navigating the PeopleSoft system. Employees should call the Benefits Hotline with questions regarding the plans prior to coming to the Help Sessions.

2010 Health Plans

Regardless of which plan you select, the state shares a burden of the cost with employees. The state’s contribution to each premium is substantial. In 2010, the state will contribute $4,712.76 to each single coverage health care plan. For each health care plan with family coverage, the state will pay $13,130.52 per plan in 2010.

Consumer Driven Health Plans (CDHP)

Now in the fifth year of being offered, the plans have been well received by state of Indiana employees. For 2010, employees enrolling in CDHP1 will pay a bi-weekly premium of $10. Those who select the non-tobacco use incentive will have no premium for 2010. Deductibles will be $2,500 for single and $5,000 for family coverage, for both in- and out-of-network.

The bi-weekly premium for CDHP2 will be $31 for single coverage and $59.68 for family coverage. Those accepting the non-tobacco use incentive will pay $10 less each pay period. Deductibles will be $1,500 for single coverage and $3,000 for family coverage, for both in- and out-of-network.

Learn more about CDHPs

About Health Savings Accounts (HSAs)

A companion of the CDHPs, HSAs will once again be pre-funded by the state. One-half of the state’s contribution will be deposited into participating employee’s accounts. However, for that to happen, employees participating in a CDHP/HAS plan must open an HSA account with Tower Bank.

For those with CDHP/HSA1, single coverage, the state’s initial contribution will be $687.96 and then will follow up with bi-weekly contributions of $26.46. Family coverage will have an initial contribution of $1,375.14, with bi-weekly contributions of $52.89.

Those with CDHP/HSA2, single coverage, the state will front load the employee’s account by $413.40, with bi-weekly contributions of $15.90. Family coverage will initiate with $825.24, followed by $31.74 in bi-weekly contributions by the state.

Learn more about HSAs

Traditional PPO

The Traditional PPO is an 80/20 co-insurance plan, which means the employee will pay 20 percent of allowable claims after the deductible is met and before out-of-pocket maximums are reached. Unlike the previous Trad 2 plan, this 80/20 allows for pharmacy claims to accrue to the out-of-pocket maximums.

The bi-weekly premium for Trad PPO, single coverage is $86.56 and family coverage is $231.16. Like CDHP, accepting the non-tobacco use incentive reduces the bi-weekly premium by $10. The deductible is $500 for single, in-network coverage and $1,000 for out-of-network. For family coverage, the in-network deductible is $1,000; with the out-of-network deductible set at $2,000.

The benefits match those of the CDHPs, including preventative services being covered at 100 percent.

New identification cards will be issued for all Anthem plans and will include pharmacy and vision programs.

Learn more about Traditional PPO

Welborn HMO

The Welborn plan is available only to employees in southwest Indiana. Like the other plans, Welborn subscribers can reduce their bi-weekly premium by $10 by selecting the $10 non-tobacco use incentive. Bi-weekly premiums for those with single coverage is $58.49; family coverage is $139.04.

Learn more about Welborn

Prescriptions and pharmacy needs

While there is a new administrator for the program, Medco Pharmacy, the changes should be nominal. State employees will receive a Welcome Package from Medco in early December, outlining the procedures for ordering prescriptions and refills.

View the Prescription Benefit Comparison

Learn more about Medco

Dental

The carrier and the plan remains the same. The change for 2010 is that there will now be nominal premiums for both single and family coverage. For single coverage, the bi-weekly rate is $1.02; family will pay $2.68.

Learn more about Dental

Vision

Anthem Blue View Vision Select will provide vision coverage in 2010. There will be no change to benefits, but there will be a small change in provider access from EyeMed’s Access to Anthem Blue View Vision’s Select network. Like dental, this benefit will also have a small premium. For single coverage, the bi-weekly premium will be 17 cents; family coverage will run $2.52.

Learn more about Vision

Life Insurance

AUL remains the provider. The basic life rate will reduce from $0.1165 per $1,000 of salary to $0.0515 per $1,000 of salary. The supplemental life rates will also reduce.

Learn more about Life Insurance