There are quite a few changes for the 2014 plan year, and enrollment is mandatory, so be sure to study your options carefully and then make your selections during the Oct. 1-31 open enrollment period. When you begin to review your options you will notice that none of them looks similar to last year’s. There is no Commonwealth Standard, Maximum, Capitol Choice, or Optimum plan to choose from. Instead, you will find “LivingWell” and “Standard” plans—each with a consumer-driven and PPO plan offering, and both with Humana as the plan administrator (that part hasn’t changed).
First, let’s look at the LivingWell plans. These plans, which are part of KEHP’s wellness program, have the best benefit options but require enrollees to make a “LivingWell Promise” in which they agree to two things: 1. They agree to take the “HumanaVitality Health Assessment” between Jan. 1-May 1, 2014, and 2. Agree to keep all their contact information current. Once the “Promise” is accepted, enrollees will have access to the lowest co-insurance plan (85 percent plan paid), a Health Reimbursement Account (HRA), and no co-pays for the consumer-driven option, and the second lowest co-insurance (80 percent plan paid), a lower deductible, and lower maximum out-of-pocket costs than the consumer-driven plan (but no HRA) for the PPO option, along with 100 percent preventative care coverage and other plan-specific benefits for both options.
Those who choose to forego taking the LivingWell Promise and go instead with a Standard plan will also receive 100 percent preventative care under both the consumer-driven and PPO plans. The Standard consumer-driven option features--among other benefits--HRA funds, no co-pays, and the lowest employee premiums of all four plan options, while the Standard PPO option features among its offerings the third lowest co-insurance offered (70 percent plan paid) and co-pays for some medical services, but no HRA funds and a deductible and maximum out-of-pocket costs that are higher than both LivingWell options.
Specific data about lifetime maximums, annual deductibles, out of pocket maximums, coinsurance, prescription coverage, dependent eligibility, and all benefits under each plan option can be found in plan materials provided to you by your agency or school HR office, or can be found online at kehp.ky.gov.
Let’s look at the monthly employee-paid premiums for calendar year 2014 using the lowest cost options for both the LivingWell and Standard plans. The following premiums are for non-smokers (smokers will pay more as usual; if you smoke or quit in recent months, please see the plan materials to find your exact premium): The lowest cost LivingWell premium is $47.98 per month for single coverage under the consumer-driven option. The lowest cost Standard premium is $12.98 per month for single coverage under the consumer-driven option. The lowest cost LivingWell premium for family coverage is $337.98 per month under the consumer-driven option, while the lowest cost Standard premium for family coverage is $312.98 per month under the consumer-driven option.
If you do not want health insurance through KEHP for 2014, you once again have the option to waive coverage. If you wish to waive coverage, you must do so during open enrollment in order to receive either of the two state-funded waiver HRAs. Also, you must elect to participate in a Flexible Spending Account (FSA) during open enrollment if you want an FSA for plan year 2014.
But there’s more: Universal coverage under the “Obamacare” Affordable Health Care Act takes effect beginning in January and, because of the new law, you will have new opportunities to buy health insurance in Kentucky through the state-operated health insurance exchange. You can get help with any inquiries you have about possible coverage for you and your family through the state’s health benefit exchange known as kynect, but KEHP reminds you that you can only save on your premiums through kynect if your employer does not offer coverage or offers coverage that doesn’t meet certain standards. Savings depends on household income. You can find all the answers to your questions about kynect at kynect.ky.gov, or by phone at 1-855-4kynect.
Also: KEHP is advising everyone who is not a retiree to enroll online this year via the KHRIS Employee Self Service. By now, you should have received a letter in the mail that provided you with your KHRIS User ID; you will need this ID to enroll via KHRIS, which you can access through kehp.ky.gov. (If you are a retiree, you must contact your retirement system for an application, rates, contributions and information about open enrollment, held Oct. 1-31 for non-Medicare retirees.)
There are plenty of places to find answers to general questions about the 2014 KEHP plan offerings. Contact phone numbers and 2014 open enrollment assistance hours are listed in your plan materials and online at kehp.ky.gov. You may also contact your agency’s HR office for local, personalized assistance. What’s more, benefit fairs will be held again throughout the open enrollment period at different locations across the state beginning on Tuesday, Oct. 1. Fairs are scheduled locally on Oct. 9 from 2-6 p.m. at Hopkinsville Community College, Oct. 15 from 3-7 p.m. at MCC’s John H. Gray Building, and in Owensboro on Oct. 16 from 2-6 p.m. at the Owensboro Board of Education. Fairs will also be held in Bowling Green on Oct. 14 and in Paducah on Oct. 8. First-come, first-served free flu shots, first-come, first-served biometric screenings for HumanaVitality, and enrollment kiosks will be available at all these locations.
I hope this information is helpful to you and your family. Good luck with open enrollment, and have a great week.
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