Open enrollment begins Nov. 1
Open enrollment — the time of year when you re-enroll in your current health plan or switch to a new plan — begins Nov. 1 and runs through Nov. 22.
Employees will see several changes in their 2014 health insurance plan. All changes take effect Jan. 1, 2014.
The 2014 deductible will increase:
The deductible is the amount that you pay for covered services each calendar year before your health insurance begins to make payments for claims. (Deductibles do not apply to preventive services such as routine physicals and eye exams; these are fully covered.)
The deductible in 2014 will increase:
- From $1,000 to $2,000 for an individual.
- From $2,000 to $4,000 for a family.
The 2014 out-of-pocket maximum will increase:
The out-of-pocket maximum is the most you have to pay for covered services for deductibles, copayments and coinsurance each calendar year. Typically only about 10 percent of City employees reach the out-of-pocket maximum in a given year.
The out-of-pocket maximum in 2014 will increase:
- From $2,000 to $3,000 for an individual.
- From $4,000 to $6,000 for a family.
Additional changes include:
- Retail prescriptions will be limited to a 31-day supply. (You have the option of using a mail order pharmacy to receive up to a 93-day supply of maintenance medications.)
- Preventive health care received by out-of-network providers will no longer be covered at 100 percent. (Employees can still receive 100 percent preventive care coverage by using in-network providers.)
- The employer-paid life insurance death benefit will increase from $10,000 to the amount of your annual salary, up to a maximum of $50,000.
- Payment you make toward your deductible during the fourth quarter of the plan year will no longer be applied toward the next year’s deductible.
- A person may no longer be covered twice under the City of Minneapolis health plan. This means that an employee may not enroll for single coverage and also enroll as a dependent on another City employee’s health plan. Likewise, children of two covered employees may no longer be covered twice under the City of Minneapolis health plan.
- Employees who retire after Dec.31, 2013 and decline continued health care coverage will not be able to re-enroll in the City’s plan in the future.
Monthly premium increase held to a minimum
Elect and Essential networks
- Employees who enroll in the Elect or Essential networks will see a slight decrease in their monthly premium contribution.
- Employees who enroll in the Choice network will see only a slight increase. Employees who are currently enrolled in the Choice network may want to consider changing to Elect or Essential for lower premium contribution rates. (In many cases, this may not require changing doctors or clinics.)
Why the changes?
Faced with rising health care costs, City staff and labor representatives on the Benefits Labor Management Committee worked together to develop a solution that keeps monthly premium changes to a minimum. Without this action, employees would have faced monthly premiums in 2014 that are one-and-a-half times higher than the premiums they are paying this year. To avoid a premium increase that would have impacted all employees, changes have been made to the deductible and out-of-pocket maximum.
The health plan changes that are being made for 2014 enable the City to keep the premium increase to a minimum. The overall increase is now only 3.4 percent, as opposed to the 16.8 percent increase.
For more information
- Check the enrollment guide mailed to your home by the end of the week.
- Visit the Benefits website.
- Call the Human Resources hotline at 612-673-3333.
- Attend an open enrollment meeting. Meeting dates and times are on http://www.minneapolismn.gov/hr/benefits/.
Published Oct. 30, 2013