Insurance open enrollment will run from Oct. 15 – Oct. 31. ALL benefit eligible employees enrolled in a medical plan will be required to re-enroll. All changes will be effective Jan. 1, 2014.
Employees that choose to make their own contributions to the flexible spending account (FSA) or the health savings account (HSA), must also re-enroll via the online benefits enrollment option located through the myMCCKC portal page. The enrollment link will not be available until Oct.15. The open enrollment sessions are not mandatory, but are provided to further assist employees with questions concerning the insurance plans available and to help you enroll online, if needed.
The medical insurance will remain with Blue Cross/Blue Shield with an increase of 10%. The plan options available for 2014 will change to a PREMIER PPO, STANDARD PPO and the high deductible health plan that is currently offered. Representatives from BCBS will be on campus to answer questions during open enrollment.
There will be a rate increase of 2% for the dental plan with no change in plan design and a rate increase of 4.5% for vision. No rate increase for life insurance.
LONG-TERM CARE INSURANCE
If you are interested in purchasing voluntary long term care insurance, information will be provided by UNUM and will be available for pick up during the campus open enrollment sessions.
VOLUNTARY PLANS WITH AFLAC & ALLSTATE
MCC offers several voluntary plans through AFLAC and ALLSTATE that include, short term disability, critical illness, accident; hospital indemnity and voluntary life to all full time benefit eligible employees with payroll deduction.
AFLAC & ALLSTATE will have a representative available during campus visits to answer questions and enroll employees.
FLEXIBLE SPENDING ACCOUNT (FSA)
The enrollment period for FSA will be for a 12 month period, beginning Jan. 1, 2014 through Dec. 31, 2014.
If you are currently contributing your own money, or wish to begin contributing, you MUST enroll online during open enrollment. It is also necessary for you to re-enroll if you wish to make a change from one account to the other (Medical or Child Care). The Medical Flexible Spending Account maximum for 2014 will be $2,500 and the maximum amount you may designate (including any district contribution) to the Child Care account is $5,000.
NOTE: For those currently receiving the district contribution to the flex spending account, your district contribution will automatically be put in the same account you currently have unless you make a change to a different plan online. If you are eligible for the district contribution for the first time, and do not wish to contribute your own money, you will be automatically enrolled in the medical account unless you specify otherwise.
Domestic partner claims are not eligible for reimbursement through the FSA per IRS regulations.
HEALTH SAVINGS ACCOUNT (HSA)
If you are participating in the High Deductible Health Plan (PPO 3) and would like to enroll in a Health Savings Account (HSA), representatives from BCBS will be available to answer questions during insurance open enrollment sessions. Pre-tax payroll deduction will be available for those who wish to participate. For 2014, an individual may contribute up to $3,300 and those electing dependent coverage may contribute up to $6,550.
If you are currently enrolled in the High Deductible Health Plan (PPO 3) and are making your own contributions to the HSA you MUST re-enroll in the HSA during open enrollment or your plan will automatically end.
Domestic partner claims are not eligible for reimbursement through the HSA per IRS regulations.
*Dependent children can be covered until the end of the month in which they turn 26. Eligibility requirements for coverage are that of relationship and age only.
Rates sheets, enrollment schedule, plan summaries and additional information on domestic partner benefits, have been posted on the Info Exchange under Human Resources> 2014 Insurance Open Enrollment.