Benefit News
2016 Open Enrollment
2016 Page 1
Places for People is pleased to
announce Anthem will be our
new benefit carrier
.
To find helpful benefit information
and tools, log on to
anthem.comwhere you will have the ability to:
Find Doctors and Hospitals
Check Claim Status
Order New ID Card
Print Temporary ID Card
View Benefits
Refill Mail Order Prescriptions
Access Anthem’s Drug List
Places for People’s benefits insurance renews January 1, 2016. On top of
medical trend and continued high utilization of the plan, there were
several high dollar claims that had an impact on this renewal. As a result
UHC delivered an initial renewal of 16.5%.
Health Care Reform (HCR) still contributes to the renewal as well. This
year it represents approximately 3.5% of the renewal increase, including
various mandatory fees.
CBIZ solicited bids from the marketplace, including plans with alternate
funding mechanisms. Anthem provided an aggressive proposal at 5%
with minimal plan changes to your existing three options. Therefore, we
will be moving the medical coverage to Anthem effective January 1, 2016.
Places for People has decided to absorb the entire increase associated
with the medical plans so that your cost will not change in 2016!
Historically, the dental plan has been a valued part of our benefits package. As a result, we continue to see
high utilization of the plan. This year was no different. CBIZ successfully negotiated an 8% second year
dental rate cap last year. Therefore, the renewal was 8%. CBIZ solicited the market for alternatives and
Lincoln Financial provided the opportunity to maintain existing benefit levels with a 0% increase in cost for 24
months. Therefore, we will be moving our dental coverage to Lincoln Financial effective January 1, 2016.
Places for People’s Life/AD&D and Voluntary Life coverage will move to Anthem and the vision coverage will
remain with Vision Benefits of America. The Voluntary STD and Voluntary LTD, will renew with the Lincoln
Financial and without any benefit modifications. Participants in the Vol STD and Vol LTD will see an increase
in cost that could not be met by competing carriers.
New this year!
Places for People will be providing you with the opportunity to purchase individual policies
through AFLAC. These policies allow you to cover the costs of medical and out-of-pocket expenses associat-
ed with an accident, critical illness and/or hospitalization. More information will be available at the employee
meetings outlined on page 12; and you will be required to meet with an Aflac representative one-on-one to
learn more about and enroll in these products.
Medical Plan Terminology
Deductibles—
The deductible is the amount of money you pay before services are covered under your plan. Normally, it
is paid for in-patient and out-patient services. Your deductible is accumulated during each calendar year. It does not
apply to any preventive services as required under Health Care Reform.
Coinsurance–
After the deductible is satisfied, claims costs are shared with the insurance carrier until the out-of-pocket
maximum is reached. For example, with a 90% coinsurance, the insurance company pays 90% of the cost after the
deductible and the patient pays 10%.
Out-of-Pocket Maximums—
This is the maximum amount of money you are required to pay in a calendar year. The
deductible, your share of the coinsurance, the medical plan co-pays (office visits, urgent care, and emergency room) and
all prescription drug co-pays in the three medical plans will apply to the out of pocket maximums.