Online Enrollment
For 2012, do I have to re-enroll for my
benefits online, even if I currently have benefits and don’t wish to
make any changes? Do I need to review any information?
Please note this
year Aetna HMO and Traditional Medical Plan participants must take
action to enroll in another medical option or waive coverage since these
options will not be available in 2012. Otherwise, your 2011 healthcare
benefits will automatically continue without any online action on your
part; however we do encourage you to review your current coverages and
2012 premium information online. If you want to elect an FSA,
online
enrollment is required every year.
I need to make changes for 2012. What will the system permit me to
do?
-
Change your
healthcare plans or levels of coverage;
-
Elect a Flexible
Spending Account (FSA) for 2012 (remember an annual election is required
by the IRS, even if no changes from prior year).
-
Add a dependent
under age 26 that is eligible for health coverage under the Patient
Protection and Affordable Care Act (PPACA). Documentation is required,
i.e. a copy of the birth certificate due to HR/Benefits by November 30,
2011.
Please go to
online Benefits
Enrollment
to review your records or take online action.
If I will be making changes, what should I do before I go
online to
make my elections?
-
Review the 2012
Benefits Guide (online) and inserts.
-
Review the schedule of
Open Enrollment Benefit Fairs and Information Meetings and attend one
that would be convenient for you.
-
Have eligible
dependent information available if enrolling (SSN, DOB, PCP number).
-
Verify your primary
care physician (PCP) choice if making a new medical plan selection.
-
Determine the
appropriate health plan choices for you and your family (see pgs 21-24
in the 2012 Benefits Guide for healthcare premiums).
-
Consider whether you
want to contribute to a Flexible Spending Account (FSA) for 2012 and if
so determine an annual amount you wish to budget for the plan (either
dependent care or healthcare spending accounts, or both). Please review FSA question for more information.
-
Review your Voluntary
Life Insurance options and determine whether you would like to commence,
increase or decrease your levels of coverage.
-
Have your
online
enrollment instructions available.
-
See next question for
user ID and password information.
-
You are now ready to
proceed.
What is my user ID and password?
Your user ID is your
AACPS e-mail username. Your password will be your first letter of your
last name and your date of birth (for example B011859). You will be
prompted to change your password once you go online. If you are having
log-in problems, please contact the Help Desk at 410-222-5135, or check
with the Technology Support Technician at your work location.
What should I do if I forget the personal password I am asked to create?
It is recommended you
write it down, but if you do not, you may call Benelogic at
1-877-716-6612, the Help Desk at 410-222-5135, or HR/Benefits at
410-222-5221/5219/5206. Employees at these locations can reset your
password for you.
I
was interrupted and when I came back to continue enrolling the system
timed out and/or I had to stop part way through the session. What
should I do?
You will have to log
on again, with your new password. The system will remember what you
entered, so you do not have to re-enter the information.
I realized that I made a mistake when I enrolled. Can I correct my
error?
Yes. You may log back
on at any time during the Open Enrollment period (through November 11)
and make your changes.
Will I get a confirmation statement this year?
Like previous years,
you will be prompted to print your confirmation statement after you
finish reviewing or making your elections online. Please keep this
statement with your records.
Will I be able to log back on and check my elections after Open
Enrollment?
Yes. Using the same
password you created, you may log on at any time and review your
elections. However, you will not be able to make changes after November
15.
Medical Plan Coverage
I am currently in the PPN plan and
considering enrollment in the Triple Option
Plan. I know
the funding is decreasing to 75% across the board and my premiums will therefore
be increasing. Why should I change otherwise?
-
Your PPN physician
is probably already a BlueChoice provider (go to
www.CareFirst.com and select BlueChoice – All other BlueChoice Plans).
Therefore, he or she is a BlueChoice HMO and Triple Option
Provider.
-
By using Level 1
of Triple Option you only pay a $10 co-pay (instead of a $15
co-pay). Your bi-weekly premium will be significantly less as well.
-
Level 2 gives you
flexibility any day to access the PPN network when you may want to
see a specialist without a referral.
-
If you are
unsatisfied with the Triple Option in 2012, you may switch back to
the PPN plan for 2013.
If I am in Aetna or the CareFirst Traditional Plan, which medical plans
may I select?
I am currently an Aetna HMO participant. Is the BlueChoice HMO a good
match for me?
-
Based on the
BlueChoice Provider network, over 93% of Aetna providers match the
Blue Choice network.
-
The BlueChoice HMO
co-pays are the same as Aetna.
-
BlueChoice
premiums for 2012 are actually slightly less than the 2011 Aetna
premiums.
I heard the CVS Caremark Prescription Plan is changing to a three tier
prescription
plan. What is a three tier prescription plan? How do I learn more?
We currently have a
two-tier plan for retail and a one-tier plan for mail. A three-tier plan
is composed of three tiers for co-payments based on the drug you are
prescribed: 1) Generic, 2) Preferred Brand, and 3) Non-Preferred Brand.
Generics and Preferred brands are the lower co-pay alternatives. Based
on this structure, there is a set of co-pays for retail and
mail order/CVS maintenance choice. See your benefits enrollment
materials for the exact co-payments.
-
Attend a Benefits
Fair or Informational Meeting to hear a presentation on the
three-tier plan.
-
Review the 2012
Benefits Guide.
-
Refer to
anticipated correspondence from CVS Caremark
-
Review the CVS
Caremark Preferred Formulary List at
www.caremark.com.
If I change my
healthcare coverage, when will I get new cards?
You should
receive your new card(s) before January 1, 2012.
Flexible Spending
Accounts (FSA’s)
How do I enroll in a Flexible Spending Account
online?
When you enroll
online, you will see a Flexible Spending Account screen. Enter the
amount you wish to contribute (maximum $5,000 per account) to your
Healthcare FSA and/or your Dependent Care FSA for the plan year.
Reminder: for Dependent Care Accounts, there is an annual $5,000 limit
per household…please keep that in mind when e-enrolling. Please also
note: Certain over-the-counter (OTC) purchases will no longer qualify
for reimbursement, however some are available with a physician’s
prescription. Please refer to the 2012 Benefits Guide and the HFS
website for more information. Alert: In 2013, the Annual Healthcare
Spending Account Limit will go down to $2,500.
Voluntary Life
Insurance
If I want to change or enroll in voluntary life insurance, do I have to
enroll online?
No, you are only
requested to indicate online the action you will be taking. You must
check the appropriate circle on the Voluntary Life Insurance screen. If
you are enrolling, complete the necessary forms (download from the
enrollment site or request from your work location) and basket mail them
to HR/Benefits by November 11, 2011.
An Evidence of
Insurability Form (available on the online site or from HR/Benefits,
contact 410-222-5221/5219) is required for any coverage changes (please
note Unit 3 is not eligible for coverage over $100,000). If you are
electing coverage for the first time, submit a Self-Administered
Beneficiary Designation Form to provide beneficiary information
(available at HR
Forms).
Lifestyle Changes
after Open Enrollment
What
should I do if I have a lifestyle change, e.g. birth, marriage, divorce,
etc after open enrollment?
If you have a
lifestyle change event, and a change in coverage is requested, submit a
Lifestyle Change Form to HR/Benefits within 31 days of the event along
with the appropriate documentation. This form is accessible on the
online enrollment site,
at HR Forms, or by contacting HR/Benefits at
410-222-5219/5221.
New Hires This Year
I am a new teacher, hired in August of this year. Do I need to
re-enroll?
No, your benefits will
automatically continue, unless you wish to make changes, add a dependent
under the age of 26, or elect an FSA for 2012 online.
Will I have to enroll
online every year from now on?
Only if you wish to
make changes in your or a dependent(s) coverage, change your healthcare
choices, or elect an FSA.
Long-Term Care
If I want to enroll in long-term care insurance, do I have to enroll
online?
No, you are only
requested to indicate online if you plan to enroll. Complete the
necessary forms in the enrollment kit and return them directly to
HR/Benefits by November 30, 2011. Enrollment kits are available at your
work location, at scheduled open enrollment meetings, by request to Unum
at 1-800-227-4165, from HR/Benefits (410-222-5219/5221), or by accessing
the enrollment link via the online enrollment site at
http://w3.unum.com/enroll/aacps.
Same Sex Spouse
Benefit Coverage
May I add my same sex spouse and his/her dependents during Open
Enrollment to my healthcare
plan effective January 1, 2012? What documents are required?
-
Yes, AACPS will
permit same sex spouse coverage (providing marriage occurred in
states that legally recognize same sex marriage).
-
A copy of the
marriage certificate would be required per guidelines.
-
For additional
guidance, please read the Same-Sex Spouse Benefits information which
is posted to the Benefits website. Please contact HR/Benefits
for information about tax implications.
Part-Time Benefits
I currently work an FTE of .50 so I understand my premium will fall in
the Tier 2 rate structure for 2012. Is that correct and how will my
plans be funded?
For 2012, there are
three tiers for funding:
-
Employees that
have an FTE of 0.46 to .749 will fall into Tier 2 premiums for 2012.
Funding for medical, dental and vision plans will be funded at 95%
of the Tier 1 rates (of the Board Share).
-
Tier 3 funding
will not change (FTE .1 – 0.459). Benefits are funded at 50% of the
board share.
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