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benefits open enrollment - 2014

Open Enrollment Period: September 16th, 2013 through October 11th, 2013

Click here for a Printable Version

I. What is Open Enrollment?

Open enrollment is a period annually in which employees are allowed to make changes to their medical, dental and vision plan coverage. Employees may enroll in benefits, change plans, remove dependents, or add eligible family members to their coverage. This is also a time to review and enroll in the CSU voluntary benefit plans.

Faculty and staff may also sign up for the Health Care Reimbursement Account (HCRA) and/or Dependent Care Reimbursement Account (DCRA) at this time. If you are currently enrolled in the HCRA and/or DCRA, and want to continue your coverage, you must re-enroll during the Open Enrollment period.

If your current medical and dental coverage meets your needs, and you are not enrolled in HCRA or DCRA, you do not need to take any action to continue your current coverage.

II. When is Open Enrollment?

All Open Enrollment Forms must be submitted to Human Resources between September 16th and October 11th, 2013.

What if I miss the deadline?
If you miss the deadline, you will need to wait until next year to change your coverage. However, if you have a qualifying life change (such as a birth, marriage, divorce or loss of coverage) that allows you to make a change mid-year, please contact Benefits administration. If you do not re-enroll in HCRA or DCRA, your coverage will end on December 31, 2013.

III. Am I Eligible for University-Provided Health Benefits?

You must be employed half time or more in a benefits eligible appointment that exceeds six months and one day. Temporary faculty (AY Classification) must have 6.0 units or more for at least one semester, including the current semester.

IV. What's Next?

Below you will find information on how plans have changed, how you can compare plan rates (between plans, and between 2013 and 2014). For each section (Medical, Dental, Vision, Flex ), read the information provided and visit the CalPERS Open Enrollment pages for additional tools and resources that will assist you in your decision making process.

If you do decide to make a change(s), you'll find a section titled "I'm Ready to Make a Changed—Where Do I Start?" that will provide you with instructions.

V. Medical Plans:

HOW HAVE MEDICAL PLANS CHANGED FOR 2014?

CalPERS has added four new Health Maintenance Organizations (HMOs) for 2014. Anthem Blue Cross, Health Net, Sharp Health Plan (San Diego area only) and UnitedHealthcare Alliance will join Blue Shield of California and Kaiser Permanente.

PPO and HMO plans will add coverage for the related aspects of gender reassignment surgery.

PPO plans PERS Select, PERS Choice and PERSCare, will add:

  • Dental Services for clef lips or palates
  • Coverage for medically necessary Applied Behavior Analysis Therapy, and
  • A Specialty Preferred Drug Strategy to encourage the use of certain categories of lower cost, clinically appropriate prescription drugs where feasible.

ARE MEDICAL PLAN PREMIUMS CHANGING FOR 2014?

Yes; some medical plan premiums will be affected - some are increasing and some are decreasing. This would be a good time to review your medical plan coverage and compare it to other options. View the Health Care Premium Comparison Chart to look at the different premium rates for 2014.

WHERE CAN I FIND INFORMATION ON THE MEDICAL PLANS?

View the CalPERS Open Enrollment page and visit the "Our Health Plans Online", "Health Program Publications", and the "Health Plan Chooser".

You should also view individual video presentations designed to assist you in understanding each medical plan.

VI. Dental Plans:

HOW HAVE DENTAL PLANS CHANGED FOR 2014?

  • There are no changes
  • Delta Dental (PPO) and DeltaCare USA continue to be employer-paid.

WHERE CAN I FIND INFORMATION ON THE DENTAL PLANS?

Dental Comparison Summaries:

VII. Vision Plan:

CAN I BE COMPENSATED IF I WAIVE CSUN BENEFIT COVERAGE?

  • There are no changes.
  • VSP will continue to be employer-paid.

WHERE CAN I FIND INFORMATION ON THE VISION PLAN?

More information on the Vision Plan is available online.

VIII. Flexcash:

CAN I BE COMPENSATED IF I WAIVE CSUN BENEFIT COVERAGE?

  • If you are covered by a non-CSU health insurance plan, you may enroll in FlexCash. This benefit allows you to waive your CSU health plan and receive a cash payment of $128 (medical only); $12 (dental only); $140 (both medical and dental).
  • Further information can be found in the FlexCash Plan brochure.

IX. Flexible Spending Accounts: Dependent or Health Care Reimbursement Accounts

ARE YOU MISSING AN OPPORTUNITY TO PUT MORE MONEY IN YOUR POCKET?

With a Dependent Care Reimbursement Account (DCRA and/or Health Care Reimbursement Account (HCRA) you set aside a portion of your pay on a pre-tax basis to reimburse yourself for eligible expenses. If you are currently enrolled in the (DCRA) and/or (HCRA), and wish to continue participation in the plan(s), you are required to re-enroll annually during open enrollment.

  • For 2014, the maximum annual contribution for HCRA is $2,500 and remains at $5,000 for DCRA.
  • Administrative fee remains $1.00 per month for each plan.
  • Flexible Spending Account Debit Card for HCRA Enrollees - The optional "FSA Benny Card" issued by ASIFlex, allows enrollees to pay for out-of-pocket medical expenses (i.e., health, dental, vision, etc.) as payment at Health Care Providers and at certain retail locations. For more information about the "FSA Benny Card", use these links:
  • Access the DCRA/HCRA Enrollment Form. Complete sections 1-5 and section 7.

If you wish to appeal a rejected HCRA and/or DCRA claim reimbursement, it must be filed within 60 days from the date the rejection was communicated by ASIFlex.

X. I'm Ready to Make a Change - Where Do I Start?

Start with the Benefits Open Enrollment Worksheet. As you work through the Open Enrollment Worksheet, you will be provided links to additional forms which may need to be completed and submitted to Human Resources along with your supporting documentation. You can also access these additional forms directly below.

MAKING A CHANGE TO MY MEDICAL PLAN:

  • In addition to completing the Benefits Open Enrollment Worksheet, access the Health Benefit Enrollment (HBD 12) Form.
    • Complete sections 1-4B, 6, 7, 9, 17, and 19 – 21 (You may ignore any codes in these sections). Print and sign the form.
  • Print and complete the Declaration of Health Coverage (HBD 12-A) Form.
  • If you are switching medical plans, please make sure to list all dependents that you would like covered, whether or not they are included on your current plan.

MAKING A CHANGE TO MY DENTAL PLAN:

  • Access the Dental Plan Enrollment Form. Complete Sections A, B, and D, and print. (You may ignore any codes in these sections).
  • If you are switching dental plans, please make sure to list any and all dependents that you would like covered, whether or not they are included on your current plan.

MAKING A CHANGE TO MY VISION PLAN


MAKING A CHANGE IN FLEXCASH:


MAKING A CHANGE OR ENROLLING/RE-ENROLLING IN A DEPENDANT OR HEALTH CARE REIMBURSEMENT ACCOUNTS:

XI. Finalizing Changes to Your Medical, Dental, and/or Vision Plans, and/or Enrolling in FlexCash and Flexible Spending Accounts (DCRA/HCRA).

  1. Complete the Open Enrollment Benefits Worksheet and the appropriate additional form(s).
  2. Submit a copy of your Marriage Certificate if adding your spouse. Or, submit a copy of the Declaration of Domestic Partnership if adding a domestic partner; for Domestic Partner tax implications, please view: http://www-admn.csun.edu/ohrs/resources/d.html#tax
  3. Submit a copy of a Birth Certificate if adding a dependent child (under 26 years of age). When adding a parent-child relationship, additional documentation may be required.
  4. Make sure to submit the Social Security Number for anyone you are adding to your plan.
  5. If enrolling in FlexCash, copy your insurance card showing proof of insurance, and include the copy with the completed forms.
  6. All forms are due by Friday, October 11, 2013.
    • Note: If you are concerned about forwarding sensitive personal information through the mail, we are available to receive your paperwork personally at the front desk, Office of Human Resources, University Hall Room 165.
  7. If you have questions about Open Enrollment, please send an email to: askHR@csun.edu. A representative will either respond to your email or call you.

XII. Voluntary Benefits Plans:

CSU offers a variety of voluntary benefits beyond health and wellness that are important parts of managing your life. You pay for the premiums for these plans through payroll deductions. All of the following voluntary benefit plans, with the exception of the MetLaw Legal plan, allow employees to enroll throughout the year.

Additional information regarding these voluntary benefit plans can be found on the CSU Systemwide Benefits Portal at: http://www.calstate.edu/hr/benefitsportal/. Please contact the vendor directly to enroll.


PLAN VENDOR WEBSITE CUSTOMER SERVICE
Auto and Home Insurance California Casualty http://www.calcas.com/csu 866-680-5142
Critical Illness Plan Aflac http://www.aflac.com/csu 800-433-3036
MetLaw Legal Plan Hyatt Legal Plan, Inc. http://www.metlife.com/mybenefits 800-438-6388
Voluntary Accident Death and Dismemberment Insurance The Standard http://www.standard.com/mybenefits/csu 800-378-5745
Voluntary Life Insurance The Standard http://www.standard.com/mybenefits/csu 800-378-5745
Voluntary Long Term Disability The Standard http://www.standard.com/mybenefits/csu 800-378-5745

MetLaw Legal Plan: This is your annual opportunity to enroll in the MetLaw Legal Plan for a low monthly premium of $19.70. The MetLaw Legal Plan offered by Hyatt Legal Plans, Inc., provides representation for many personal legal services for employees and their eligible dependents.

Where can I get additional information?

For assistance:

If your last name begins with the letter A-K contact Monica Baskerville at (818) 677-3810 or e-mail at: monica.baskerville@csun.edu.

If your last name begins with the letter L-Z contact Cathy Salazar at (818) 677-2119 or e-mail at: cathy.salazar@csun.edu.