Open Enrollment will be November 2 – 19, 2019
This is later and shorter than our enrollment period has been in the past. Read on for a quick look at what to expect and watch for more information so you can be ready to enroll when it’s time.
- For the second year in a row, there will be no increase to premiums.
- You’ll continue to have access to the same BCBS network for 2020 as you did in 2019. However, keep in mind, providers within the network may change from year to year.
There are some important changes for 2020. Here are some highlights:
- As mentioned above, this year’s enrollment period will be later and shorter than usual.
- During Open Enrollment, the Eligibility and Enrollment Support Center will have extended hours during the day and even weekends to provide you with added support during this shorter enrollment window.
Health Benefits Changes
- Preventive services will be covered at 100% and you will no longer have to pay a copay.
- The copay for a Primary Care Provider (PCP) visit will be reduced from $45 to $30 when you use a PCP listed on your ID card.
- The out-of-pocket maximum will change from a separate medical and pharmacy out-of-pocket amount to a combined medical and pharmacy out-of-pocket maximum.
- The deductible and some copays have changed.
* The formulary (drug list for covered medications) is updated quarterly, so there may be changes in drug coverage for both plans
The tobacco attestation premium credit activity has been simplified. Tobacco users must commit to visit a CVS MinuteClinic for at least one tobacco cessation counseling session by December 31, 2019, or risk losing the monthly premium credit. However, a voucher is no longer required.
- In addition to your current options, you’ll have a new plan to consider—the Classic Option plan.
- If you’re currently enrolled in the High Option plan, you will be mapped to the new Classic Option plan since its premiums are the same as your current option.
- The Classic Option features the same annual deductible as the Low Option plan with an annual maximum that is slightly higher.
- The Classic Option includes coverage for orthodontics.
Health Care Flexible Spending Account (FSA)
The annual contribution will be $2,700 for 2020.
· Health benefits: Visit www.shpnc.org for more information, including a listing of upcoming webinars.
· NCFlex benefits: Visit www.ncflex.org for details.
IF YOU DON’T ENROLL
You and any currently covered dependents will be automatically enrolled in the 70/30 Plan under the State Health Plan. To reduce your premium by $60 (via the tobacco attestation) or to enroll in the 80/20 Plan, you must take action during Open Enrollment.
You’ll have the same coverage as 2019 with a couple important exceptions:
- If you’re currently enrolled in the High Option plan under the Dental plan, you will be mapped to the new Classic Option plan.
- You will not have Flexible Spending Accounts—to participate in either FSA (Healthcare Flexible Spending or Dependent Day Care), you must make an active election, even if you currently participate in one.