Attached are the 2014 Annual Enrollment Guides for Active Occupational employees and Post-1990 Occupational Retirees. There will be some last minute changes on the commuter allowance information, which will be updated for the on-line version later this week and a paper insert will be provided for those who receive a hard copy.
Also attached are the 2014 rate sheets outlining the premiums for the options available to the pre-Medicare and Medicare-eligible retirees and a side-by-side comparison of what the CDHP, PPO and HDHP Plans cover by procedure.
Please note that the Pre-1991 and ERO retirees will only have the PPO Plan option.
Also, Retirees who have declined coverage in the previous year will default again to “declined coverage”. If the retiree chooses to opt for coverage, they can do so at this time.
During annual enrollment for 2014, employees and retirees must make an election for medical, dental and vision coverage even if they want to continue with a PPO or HDHP medical benefit option. Plan designs for PPO and HDHP differ from the 2013 medical benefit coverage. In the event employees fail to make an election, the default benefit plan options will be the CDHP and the Basic Dental and Vision coverage. Any changes to the benefit coverage following annual enrollment that individuals want to make prior to 2014 must be through the appeal process. This includes situations where employee or retiree fail to make an election and are placed into the “default” coverage options.
Smokers pay a higher premium than non-smokers. During Open Enrollment, employees and retirees will be required to declare they live in a smoke free/tobacco free household in order to receive the Non-Smoker/Tobacco Free discount for medical premium contributions. Likewise, employees or retirees who are enrolled in a tobacco cessation program or other alternative to become tobacco free are eligible for the Non-Smoker/Tobacco Free discount. They do not have to complete the program prior to annual enrollment to receive the discount. Employees of households that use electronic cigarettes (a.k.a., e-cigarettes/vapor cigarettes) are considered as smokers/tobacco users and do not qualify employees for the Non-Smoker/Tobacco Free discount. In the event employees or retirees fail to declare that they live in a smoke free/tobacco free household, the smoker medical premium contributions will apply,
Throughout the Plan Year, employees may make changes to their smoke/tobacco status to receive or discontinue the Non-Smoker/Tobacco Free discount.
The Guides make references to the Medicare-eligible retirees moving to the exchanges with that information to be provided at a future date.
Post-1990 Retiree Rate Sheets
CDHP-PPO-HDHP Plan Design Comparison
2014 – Active Emps