So, what is Open Enrollment?
Open Enrollment is your ONE time of the year to verify your personal benefits information, make any changes you wish to your pre-tax medical and dental elections, enroll in a flexible spending account (FSA/Beneplus) and verify your personal information. See the FAQs page for WHY you need to check this information annually.
If you wish to participate in one/both of the FSA/Beneplus accounts for the new FSA plan year (begins September 1st), you MUST enroll during Open Enrollment. FSA/Beneplus contracts DO NOT roll from year to year – even if you have funds remaining in your FSA at the end of a plan year. If you do not enroll for the new plan year, you’ll still have access to any remaining funds from the previous year; however, you will not be able to contribute in the new plan year. If you have questions or need more information, please contact Karen Groves at LD&B Benefits Administrators: 877-532-5478 or kgroves@LDBbenefitsadmin.com. Please see the “What’s New?” section below for important information about the upcoming FSA Short Plan Year.
Remember! Open Enrollment is only available August 1st through August 17th, so please be sure to make changes to/verify your address, benefits elections, and dependent DOB and SSN during that time.
If you miss this window of opportunity, the only changes you will be able to make to your current pre-tax benefit elections will be in conjunction with a "qualified event" like marriage or the birth of a child.
During Open Enrollment you can:
verify personal/dependent information (required for all benefits-eligible employees)
select a different medical/dental plan option
drop your current medical and/or dental policies
enroll yourself and eligible family members in our medical/dental plans
cancel coverage for a currently enrolled family member
enroll or re-enroll in a medical and/or dependent care reimbursement account (FSA/Beneplus)
join the Sick Leave Bank (enrollment form must be submitted with a statement from your physician of your current state of health)
REMEMBER: Any changes you make to medical/dental FSA/Beneplus elections during the Open Enrollment period DO NOT go into effect until the start of the new plan years (September 1st for FSA/Beneplus and October 1st for medical/dental).
What's New This Year?
Choice and Select plan members will now have the same $0 cost for certain preventative drugs. Please click HERE to learn more
Effective 10/1, part-time benefits-eligible employees working at 70% will pay full-time employee premiums for their selected medical/dental coverage
We will be transitioning our medical, dental, and FSA plan years to be calendar-based (Jan-Dec) effective January 1, 2019. Moving to a calendar year aligns your medical and dental premiums, FSA/HSA contributions and healthcare-related spending with the IRS tax year, making it easier for you to set/monitor your contributions for compliance with applicable IRS limits. Changing to a calendar year means that we will move the annual Open Enrollment period from August to November. But – we’ve got to get there first! Here’s a quick “what you need to know about the transition process” summary*:
We’ll offer TWO Open Enrollment periods (in August 2018 and in November 2018)
We’ll offer a Short FSA Plan Year (Sept–Dec 2018) and then the new calendar-based plan year (Effective Jan–Dec 2019)
You’ll make your elections for the Short FSA Plan Year in August and you’ll make your elections for the new calendar-based FSA plan year in November
We’re setting our medical and dental plan year out of pocket costs (deductibles, out of pocket maximums, etc.) as if we’re having a 15-month plan year (Oct 2018 – Dec 2019). This means that IF you stay on the same medical plan option (Albemarle Select or Albemarle Choice) or dental plan option during that 15-month period, you will not see a reset of your out of pocket costs for that plan until January of 2020!
*For more details about this transition process, your FSA election limits for the Short FSA Plan Year, and more, please go HERE.
Premium Rates for 2018-2019 (no change):
Please review plan information for MEDICAL and DENTAL.
Summary of Options for the 2018-2019 Plan Year:
Want to learn more about the Consumer Driven (high deductible) plan?
Now that you know how the Consumer Driven (high deductible) plan works, learn more about the Health Savings Account HERE.
Comparing Out of Pocket Costs:
How can I learn more about my options for next year?
Group Information Sessions are a great way to get acquainted with your options and you can ask questions/get answers in real time!
COB 5th Street, Room A: Thursday, August 2, 11:30am-12:30pm
COB McIntire, Lane Auditorium: Monday, August 6th, 5:30-6:30pm
COB McIntire, Lane Auditorium: Tuesday, August 14, 11:30am -12:30pm
Can't attend a group info session? No problem! Check out our recorded presentation below.
How can I get help with Open Enrollment?
Open Enrollment COB-McIntire Consultations:
Walk-in consultations will be available in the Human Resources Department on Tuesdays, Thursdays, and Fridays from 1-4pm (COB McIntire, Room 125)
Appointments to meet with benefits advisors (Tuesdays/Wednesdays/Thursdays during the Open Enrollment period), and/or requests for copies of Open Enrollment materials, can be made by contacting Human Resources at (434) 296-5827.
Open Enrollment Off-Site Consultations:
Walk-in consultations for those not able to come to the COB-McIntire for assistance:
Brownsville Elementary School, Conference Room: Tuesday, August 7, 10:00am - 2pm
Jouett Middle School, Erin English's Room: Thursday, August 9, 10:00am - 2pm
Cale Elementary School: Tuesday, August 14, 10am - 2pm
All sessions are open to all County/County Schools employees.
Want to learn more about your options?
Medical and Dental:
Plan summaries are available for download on both the Medical and Dental webpages. You'll find them under the "Documents" section.
Premium rate sheets are also available for download on both the Medical and Dental webpages. You'll find them under the "Documents" section.
If you are part-time (50% to 69%), you may use the Insurance Premium Estimator to calculate your rates.
Who is eligible for coverage on our medical and dental plans?
Employees in regular positions who work at least 50% part-time
Your spouse (to whom you are currently, legally married) who does not have access to affordable medical coverage under his/her own employer (See Below)
Your natural children, children of your current spouse, legally adopted children, or those for whom you have legal custody/guardianship (including eligible foster children) under the age of 26
Certain disabled dependents over the age of 26 (subject to eligibility criteria)
Spouses who have access to “affordable” medical coverage that provides "minimum essential value" under their own employer’s plan pouses who have access to “affordable” medical coverage that provides "minimum essential value" under their own employer’s plan are not eligible for coverage on our medical plan*. The only spouses are eligible for coverage on our medical plan next year are those who:
Do not have access to “affordable” coverage that provides “minimum essential value” through their own employers (see explanation below); or
Are spouses who are employed by Albemarle County Schools or Local Government divisions
Please note that this does NOT apply to our dental plan, to any eligible dependent children you wish to cover on your medical plan, or spouses who are Medicare-eligible and do not have other employer coverage.
How do I figure out if my spouse has "affordable" medical coverage? Please visit our affordability calculator here.
Check with your spouse’s employer to determine if their employer-sponsored coverage meets the "minimum essential value" standard. If either the affordability standard OR the minimum essential value standard is not met, your spouse remains eligible for coverage on the Albemarle County Plan.
*Please contact the Human Resources Department if you have a question about dependent eligibility.
Flexible Spending Account (FSA/Beneplus):
What you need to know about this Short Plan Year:
The Short Plan Year dates will be September 1, 2018 – December 31, 2018
Short Plan Year maximum elections will be prorated based on 4 months
Health Care & Limited Purpose Health Care maximum: $883.32
Dependent Care (day care) maximum: $1,666.64
Elections should be based on anticipated expenses incurred September 1 – December 31, 2018
Health Care balances up to $500.00 will carryover on January 1, 2019 and be available for 2019
Dependent Care grace period to incur services will be 2 ½ months; dependent care services may be incurred September 1, 2018 – March 15, 2019
The run‐out period to turn in claims for reimbursement will be as follows:
Health Care & Limited Purpose Health Care run‐out period ends April 30, 2019 (120 days)
Dependent Care (day care) run‐out period ends May 15, 2019 (45 days after grace period ends)
For the 2019 calendar plan year, the maximum elections will be
Health Care & Limited Purpose Health Care maximum: $2,650.00
Dependent Care (day care) maximum: $5,000.00
Please visit the Flexible Spending Account page for more information on the short plan year and the upcoming new calendar-based plan year and to learn more about flexible spending accounts.
Long Term Disability Insurance:
If you did not enroll during your initial enrollment opportunity, you can still enroll in this coverage. For information about Long Term Disability insurance through The Hartford, please visit the Long Term Disability page. Enrollment forms must be returned to the Human Resources Department. Please DO NOT submit enrollment forms directly to The Hartford, as they will be returned to you without processing.
Other Benefits Information of Interest:
Help! I got to the Open Enrollment log-in page, but I can't log in:
To enter the system, you will need to:
Check the box that says "By checking this box, I confirm that I have read and understand these instructions"
Enter your Last Name (as it appears on your paycheck)
Enter the last 5 digits of your Social Security Number (SSN)
If this is your first log-in to the system this year, do not enter a password; you'll be prompted to create a new one once you've logged in.
Help! I am trying to add my spouse on my medical and dental plans, but the system won't allow me to save the changes. What do I do?
Verify that you picked employee plus spouse (or family) in the rate selection section (the number of dependents listed must match the plan level selected)
Verify that you entered the spouse information in the dependent section
If you are unable to find the information you are looking for, if you have questions about Open Enrollment and your benefits options, or if you need assistance with the online Open Enrollment system or requests for written Open Enrollment information, please call the Human Resources Department at (434) 296-5827 or email firstname.lastname@example.org.