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Employee Open Enrollment 2014

Frequently Asked Questions

Our goal is to provide quality, affordable health care for our members. To that end, we have reviewed and made changes to the health plan. Please familiarize yourself with the changes to see how they affect you.

Click the questions below to see the answer.

  1. When is Open Enrollment?
  2. Open Enrollment is November 4 through November 22 for the benefit year beginning January 1, 2014.

  3. How do I enroll?
  4. Please refer to our enrollment instructions.

  5. How do I find my RIN?
  6. Your Retirement ID Number or RIN appears as soon as you log into myRnB's Member Services Online. If you have not logged into myRnB before, request your RIN online.

  7. Who is the new Third Party Administrator (TPA)?
  8. Beginning January 1, 2014, Aetna will administer all medical and pharmacy claims for the AlaskaCare health plans and Moda Health will administer all dental claims. Aetna will also administer the health flexible spending account and the dependent care assistance plan through PayFlex. Through Aetna, AlaskaCare members will have a single point of contact for all medical and pharmacy issues as well as claim and benefit questions. Our new partners will provide a variety of enhanced services, including expanded medical and dental networks and mobile tools to help you find a doctor and estimate the price of a procedure.

  9. What do I need to do for the change in the Third Party Administrator (TPA) for AlaskaCare?
  10. Closer to the transition date, members currently engaged in medical management or wellness services will be contacted by an Aetna representative to coordinate existing care. This includes anyone in the disease management program, wellness coaching, specialty medication program, and case management. Keep an eye out for your new AlaskaCare medical and dental ID cards before the new year and be sure to check out our Web site for news and updates.

  11. Why will I receive two ID cards?
  12. To improve our network and customer service, AlaskaCare selected Aetna to administer all medical and pharmacy claims and Moda Health to administer all dental claims. In the past, these services had been provided by a single company. You will receive a medical ID card from Aetna and a dental ID card from Moda to use when visiting your in-network provider.

  13. Why is the benefit year changing to match the calendar year?
  14. Beginning in 2014, the benefit year for the AlaskaCare Employee health plan will follow the calendar year: January 1, 2014, through December 31, 2014. Synchronizing the Employee Health Plan with the Retiree Health Plan benefit year allows for more efficient administration of both plans. Also, the AlaskaCare Employee Health Plan will be aligned with the tax year, which is useful for individuals with pre-tax health savings accounts like the Health Flexible Spending Account and the Dependent Care Assistance Plan.

  15. What changes if any are there in the Dental plans?
  16. We are working hard to enhance your dental benefits while keeping premiums affordable. The Moda Health/Delta Dental of Alaska dental network provides improved access to in-network dentists. We are also adding orthodontia and restorative coverage to the standard dental plan. This gives more people access to these services while avoiding the higher monthly costs associated with the premium dental plan.

    The preventive dental plan will be enhanced so members incurring non-preventative services from a network provider will not pay more for a procedure than Delta Dental of Alaska’s negotiated rate. Because of the premium dental plan’s discontinuance, current participants will be automatically enrolled in the standard dental plan unless a different election is made at open enrollment. Visit ModaHealth.com for more information…

  17. What changes if any are there in the Vision plans?
  18. The standard vision plan currently offered by AlaskaCare will be eliminated on December 31, 2013, but members will still be able to elect vision coverage through the enhanced VSP managed care plan. This plan provides higher value benefits, with lower premium rates and no annual benefit maximum. Additionally, the enhanced plan offers a new service:

    VSP diabetic eyecare plus program

    Because of the standard vision plan’s discontinuance, current standard vision plan participants will be automatically enrolled in the enhanced VSP managed care plan unless a different election is made at open enrollment. VSP vision plan information »

  19. Does the change in the Benefit Year impact GGU/ASEA Health Benefits Trust Insurance?
  20. The change in the Benefit Year will not impact Open Enrollment for GGU Health Insurance plans. However, GGU members who participate in Optional Benefits including the Supplemental Life Insurance, Supplemental Accidental Death and Dismemberment, Supplemental Survivor Benefits, Disability Benefits (short-term and long-term) and the Dependent Care Assistance Plan (DCAP) will need to participate in the upcoming Optional Benefit Open Enrollment November 4 through November 22. Please check with the ASEA Health Benefits Trust for their Open Enrollment schedule.

  21. Are there changes to the Dependent Care Assistance Plan (DCAP) or the Health Flexible Spending Account (HFSA)?
  22. DCAP: The minimum amount you may contribute under DCAP is $25 per month. You may not contribute more than $416 per month.

    HFSA: The minimum amount you may contribute under the HFSA is $20 per month. You may not contribute more than $208 per month.

  23. Why is the deductible and out-of-pocket maximum increasing?
  24. The deductible and out-of-pocket maximums were increased effective July 1, 2013, however due to the shortened benefit year they were pro-rated, or reduced by 50%. Beginning January 1, 2014, the full rates go into effect.

    The deductible and out-of-pocket maximum rates for each plan had remain unchanged in over 13 years and were no longer reflective of each plans actual costs and experience. As a result, the deductible and out-of-pocket maximum rates for each plan were adjusted for inflation and plan experience as necessary.

  25. How can I get a current copy of the Health Plan booklet showing all plan changes?
  26. A new plan booklet will be released on or after January 1, 2014 for the new benefit year.

  27. Will I be taxed on my health benefits?
  28. The plan meets the criteria under Internal Revenue Code §125 and its accompanying Treasury Regulations, which govern cafeteria plans as offered under the Select Benefits Health Plan. This allows for premiums that are taken from your pay check to be deducted prior to taxes being calculated.

  29. What are the tax consequences of exceeding $50,000 in life insurance?
  30. If a member selects a Supplemental Life insurance option that, when combined with Basic Life insurance coverage, amounts to total life insurance coverage exceeding $50,000, the portion of the premiums for the coverage over $50,000 is taxable.

  31. What services will require precertification?
  32. Effective January 1, 2014, precertification will be required for additional services than may have been required in the past. Emergency services, including emergency ambulance transportation, do not require precertification. View Aetna’s Precertification List [PDF].

    Only the following Special Programs (Section 27) will apply to AlaskaCare employee and retiree health plans:

    BRCA Genetic Testing
    Mental Health or Substance Abuse Services
    National Medical Excellence Program
    Pediatric Congenital Heart Surgery Program

    Item number 23 will not apply to the AlaskaCare employee and retiree health plans.

    The plan’s current requirement for precertification of MRI’s for the spine and knee remain in place, even though they are not shown on Aetna’s precertification list.

    Please Note: It is the patient’s responsibility to obtain precertification for out-of-network services and for all MRI’s of the knee and spine. Failure to obtain precertification will result in a penalty in the amount of $400. In addition, for retirees only, out-of-network inpatient mental health services that are not pre-certified will result in a penalty of 50% coinsurance after deductible.

  33. What is precertification?
  34. Pre-certification is the review process used to determine whether the requested service, procedure, prescription drug or medical device meets the Plans’ clinical criteria for coverage. It does not mean a reliable representation of payment for care or services.

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