2018 INSURANCE

Welcome to the 2018 health insurance information page!  This page will provide you everything you need to know about the 2018 insurance plans effective 1/1/18.  Please periodically check back here for updates as this page will be our main source of communication.

Below you will find newly posted information and all previously posted information so you can easily find updates.

NEW INFO!  – September 19, 2017

General information

So what’s changing in 2018?  Click here for an easy-to-view summary of changes to the medical plan, HSA and incentives.  These changes are effective January 1, 2018.

HSA (health savings accounts)

Beginning January 1, 2018, all HSA employer and employee contributions will be deposited into your new HSA account with Optum Bank.  Click here for details about Optum Bank.  This account will be opened on your behalf by the Archdiocese upon your approval in the open enrollment portal.  You will be supplied with a new Optum Bank debit card by January 1, 2018.  Effective December 31, 2017 all contributions to your current HSA will end.  Any money in that account is yours to keep and will remain in that account until you deplete or transfer the funds.  Your first deposit into your new Optum HSA will be with check date January 5, 2018.

Moving funds from your current HSA into the Optum HSA may be an option for you.  Details to be provided at a later date.

Please check back to this site in the near future for further details about this change and how to move your funds.

 

PREVIOUS INFO – September 6, 2017

Open enrollment

This year’s open enrollment will be October 20, 2017 – November 12, 2017.  Any changes you make during that time will be effective January 1, 2018.  While you have access to your Web Benefits portal 24/7, access to the actual open enrollment portal within Web Benefits won’t be available until October 20th.  All benefit eligible employees are required to re-enroll in insurance every year by going through open enrollment – regardless of whether or not you’re “keeping what you have”, waiving, etc.  The only individuals who do NOT have to go through the open enrollment process are priests and employees who are not eligible for health insurance.

Accessing Paylocity – Web Pay and Web Ben

There are 2 main parts to Paylocity – Web Pay and Web Ben.

  • Step one – log into Paylocity Web Pay.  If you have never registered with Paylocity before, click here for instructions.  Please contact your location manager if you do not know your location’s 5-digit company ID.  It is recommended you do this before October 20th.  Do not wait until October 20th to register.
  • Step two – once logged into Web Pay, you can access your Web Ben portal by clicking on the Enterprise Web Benefits button found by hovering over the “Web Pay” in the upper left hand corner of your homepage.  Click here for instructions on how to access Web Ben.  It is recommend that you access your Web Ben page prior to the beginning of open enrollment to ensure you have correct access.
    • note:  you can access your Web Ben portal 24/7.  The actual open enrollment button will not be visible until October 20th.

2018 Health Plan Announcement

Click here for a copy of the letter mailed and emailed out to health plan members the week of August 14, 2017.  This letter details the changes to the plans in 2018 and is outlined below.

Click here to view a video that also details these changes.

Medical

  1. Anthem will be replaced by “The United Plan” by UHC (claims administered by UMR).
  2. Plan design (deductibles, out of pocket maximums, etc.) will remain the same.
  3. New wellness programs will be offered with tax-free incentives paid to your HSA/HRA for employees and their spouses enrolled in the Archdiocese medical plan.
    1. *The new incentives detailed in the announcement letter will replace current Health Advocate, Health Care Blue Book and CHC programs.
  4. Single coverage is increasing from $36.72 to $37.45 per pay period; family coverage is increasing from $197.88 to $201.84 per pay period.
  5. To find an in-network provider or see if your current provider is in network, click here for details or:
    1. You can call your physician directly and ask them if they’re in-network with UHC Choice Plus; OR
    2. Go online
      1. Go to umr.com
      2. Select “Find a Provider” icon in the middle of the website
      3. In the Provider Network box type “UnitedHealthcare Choice Plus Network” and select “Search”
      4. This will redirect you to the UnitedHealthcare website that you will be able to enter the Doctor Name, Facility Name, Clinic Name or even search by Care of Condition
  6. Eye Exam – The one free annual eye exam will continue to be offered as a free service covered under the preventive portion of the medical plan.  A separate vision plan is not offered.

*If you’re in mid-progress of a maternity or disease management program as of January 1, 2018, your profile will transfer over from Health Advocate to UHC and a representative from UHC will reach out to you with information on how to continue the program and earn the incentive.

HSA (health savings account)

  1. Annual maximums as set by the IRS:
    1. Single is going from $3,400 to $3,450; employer contribution will remain at $46.16 per pay period
    2. Family is going from $6,750 to $6,900; employer contribution will remain at $92.32 per pay period
    3. Catch-up provision for employees age 55 and over will remain at $1,000
    4. The HSA bonus will not be paid in 2018

Dental

  1. Plan will remain with Delta Dental
  2. Plan design (deductibles, out of pocket maximums, etc.) will remain the same
  3. Single coverage is increasing from $4.25 to $4.34 per pay period; family coverage is increasing from $22.00 to $22.44 per pay period.

HRA (health reimbursement account – for those employees age 65 or older in 2018)

  1. Contributions will be made on a quarterly basis (annual equivalent will be the same as 2017)
  2. Plan will remain with Basic
  3. The HRA bonus will not be paid in 2018

Flexible spending

  1. Plan will remain with Basic
  2. IRS annual maximums – as of now, there are now changes announced by the IRS for 2018 limits:
    1. Health care and limited purpose maximums in 2017 were $2,600
    2. Dependent care maximums in 2017 were $5,000

Disability

  1. STD (short term) plans will still be offered but remain as a separate policy from the Archdiocese payable by the employee directly to AUL (not through payroll deduction).
  2. LTD (long term) will continue to be offered at no cost to the employee.
  3. More information about this plan will be in the Open Enrollment portal opening October 20th.

Life insurance

  1. Voluntary life insurance will still be offered but remain as a separate policy from the Archdiocese payable by the employee directly to AUL (not through payroll deduction).
  2. Basic Term Life insurance will continue to be offered at no cost to the employee.
  3. More information about this plan will be in the Open Enrollment portal opening October 20th.

403b Retirement plan

Changing your 403b deferral is not a part of open enrollment.  You have the option to change your deferral anytime of the year by logging into your account at www.archindyretirement.org.  If you can’t remember your user ID or password, you will need to contact McCready and Keene at 800-442-4015.  Please do not contact the Human Resources office as we can no longer assist with username/password issues.

Notes of Interest:

Making changes mid-year (section 125/qualifying events)

The elections you make during the upcoming Open Enrollment must remain as is through the entire plan year 2018 unless you have an eligible qualifying event.  A mid-year election change may be allowed if you (1) have a qualifying event such as but not limited to birth, marriage, divorce, loss of previous coverage, etc., and (2) want to change your election consistent with the occurrence of the event.  A request to change your election mid-year must be done via a life event request in the Web Ben portal and must be done within 30 days of the effective date of the change in your status due to the qualifying life event or if the qualifying event results in change in eligibility for coverage under another group health plan within 30 days of the effective date of coverage under the other group health plan.  Qualifying events apply to both joining our coverage as well as dropping our coverage mid-year.

What you’ll see on your pay stub

It is the responsibility of the employee to review their pay stubs on a regular basis.  Reviewing the first stub in 2018 will be imperative to ensure that you’ve correctly enrolled in the insurance and HSA at the levels that you had intended.  Premium deductions and HSA contributions will occur on ALL 26 paychecks in 2018.  Any missed premium deductions will be caught up on a future paycheck and you will be notified accordingly.