What's new and notable in Benefits for 2021
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Things to consider:
- No medical plan rate increases
- Enhanced voluntary benefits
- ANNUAL ENROLLMENT: November 2 – 30, 2020
- New Aetna onsite representatives to help you work through issues, find providers, and discuss your healthcare plans and options
- Convenient connections to your best health!
Imagine the road to your very best health without the speed bumps, roadblocks, and detours, and with a support system that’s right in your neighborhood or a click or call away. We are here to help you get there. Whether you are trying to get back up to speed or looking for ways to stay healthier, you can get the support, tools, and programs you need to finally achieve these goals.
Aetna remains our medical provider for 2021. We will be providing helpful information so you can understand your medical benefits and how they work. We have two new medical plan Aetna onsite representatives who can assist you with questions and concerns about your medical plan.
Jeanne' Johnson is your day-to-day Aetna onsite representative. She will be able to answer questions about how your medical plan works. She can also help you find a provider or determine if your current provider is in your network and provide other valuable resources through Aetna.
Sonja Whaley is our new Aetna onsite clinical consultant. She specializes in assisting you with complex treatment issues, planning a procedure, wellness resources, and other questions.
You may reach Aetna Onsite Representative Jeanne’ Johnson at 281-627-7489 or by email at JohnsonJ11@aetna.com. For your convenience, you may schedule a virtual appointment with her.
You may reach Onsite Clinical Consultant Sonja Whaley at 832-920-3776 or by email at WhaleyS@aetna.com.
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Beneficiaries
Please ensure you have appropriately elected beneficiaries where plans such as life insurance and Aflac require them. If you want your beneficiaries changed immediately, you may do so at any time online or by calling the Benefits Service Center. If you elect/change beneficiaries during annual enrollment, these will not be effective until Jan. 1, 2021.
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Cigna Dental Insurance Enhancements
There are new Cigna options to choose from: The PPO now has a buyup option where you can add more to the maximum amount you can spend each year. This plan allows for a $2,000 maximum an removes the deductible. We also have the same plan that we currently offer for PPO members. The rates are changing so please review the new rates.
For the DHMO plan, members still have one option, but the fee schedule has been enhanced to include a few more codes for treatment for participants. Remember for the DHMO plan, you only need to pay the copay listed on the fee schedule for each covered service. -
Cigna Discount Dental
Beginning January 1, 2021, Cigna will be the new provider for the discount dental plan. There are two coverage levels – employee only or employee plus family. Employee only will be $2.50 per pay period, and employee plus family will be $5 per pay period.
To see what this plan provides, what fees for services will be, who the providers are, and additional benefits this program offers, visit www.CignaPlusSavings.com or call 1-877-521-0244.
You cannot logon to Cigna.com for this program. All current members will be mapped to the new plan to ensure that dental coverage is in place for 2021. If you do not want this plan, please go online or call the Benefits Service Center at 1-877-780-4473 -
EyeMed Vision
New vision plans this year cover basic and plus options. The plan even covers retinal imaging if you prefer that to the usual dilation process. Your allowances should provide you with enough dollars and buying power to get what you need for your vision care. Please review plan options carefully.
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Accident, Cancer, Critical Illness, and Hospital Indemnity
All four of these plans have been enhanced to include more benefits. These enhancements are listed below by plan, and the best part is there are no price increases for these benefits. Also, you now have wellness benefits in all four plans, which means if you get your annual checkup each year, you can earn money based on the benefits in which you are enrolled. The following are some of the enhancements:
Critical Illness:
- Additional covered illnesses
- Complete guaranteed issue for all employees on both the high and low options, and no reduction in benefits due to age.
Accident
- Removed pre-existing exclusion
- Removed termination of age restrictions
Increased benefits for Hospital Indemnity
- All employees, newly eligible and late enrollees, are guaranteed issue
- Removed pre-existing condition exclusion, including pregnancy
- Removed termination at age 70
Cancer (no changes to existing plan design)
- All guaranteed issue with no evidence of insurability required
