Open Enrollment for 2024 Is Here!
Open Enrollment for 2024 Is Here!
Please review the summarized updates and changes to your CHS Benefits packages below and be sure to check out the Forum’s Open Enrollment page for additional resources and tools.
Medical Benefits
Value EPO Highlights
- Value EPO replaces Value HMO and features lower monthly premiums
- Exclusive Provider Network through Community Care Health
- No need to select a primary care providers
- Referral not necessary for specialty care
HDHP Highlights
- High Deductible Health Plan
- Pair with pre-tax Health Savings Account to manage costs and reduce tax liability
- Unused HSA dollars rollover for future healthcare expenses
With four medical plans available and costs changing in every category, it’s more important than ever to review the plan choices below and use the Comparison Tool on the Forum to help you decide which is best for you.
The first two present a comparison of three options: Community Care Signature HMO; Community Care Value EPO; and Community Core PPO. The final two present costs for the Community High Deductible Health Plan (HDHP).
Dental Benefits
For 2024, you can choose between Delta Care DHMO and the Delta Dental PPO in order to best prepare for the dental needs of you and your family. Preventative dental care is covered at 100%, with no cost to you.
Delta Dental PPO Highlights:
- Preventative care covered even after maximum costs reached.
- SmileWay benefits for those with chronic conditions such as lupus, cancer, diabetes or rheumatoid arthritis that may need extra cleanings or periodontal care.
Vision Benefits
Two vision benefits plans are available to provide clear-eyed direction to meet your needs. Both plans encourage preventative care but differ in coverage, copays, and frame allowance when purchasing corrective eye wear.
- VSP Members and families have access to exclusive member extras including discount pricing on hearing aids through TruHearing.
Prescription Drug Benefits
Like other medical costs, pharmacy costs are also increasing in all plans, but by using generic prescriptions when available, you can help keep your out of pocket costs to a minimum.
Log into your Medimpact account to check your medications prices, and remember, a Healthcare Flexible Spending account can help offset the costs with pre-tax funds. Be sure to study changes in the cost comparison chart before you choose your health plan.
Prescription Drug Benefit Highlights:
- Generic: You pay the lowest copay.
- Brand-name formulary: You pay coinsurance.
- Brand-name non-formulary: You pay the highest coinsurance percentage.
- Download the MedImpact Mobile App to review your medications, check the costs of medications, and to learn more!
Flexible Spending Accounts
With a Flexible Spending Account, you can pay healthcare or day care costs with pre-tax money through a paycheck deduction. This year we’re moving from Navia to BenePass and adding an option for a limited purpose FSA that can be paired with a Health Savings Account and used for dental and vision costs only.
FSA Plan Highlights:
- Annual enrollment is required.
- Flexible Spending Accounts do not automatically roll over.
- As the funds are used, a mobile app provides an easy option to snap a picture of the receipt for submission, as required by IRS guidelines.
- New FSA card from BenePass available in January.
- Keep your old Navia FSA card for hold over care during the first-of-the-year grace period.
Health Savings Account
A Health Savings Account (HSA) is a triple tax-free account that can be used for qualified medical expenses. It is triple tax-free because your contributions, interest and earnings from investments, and withdrawals from the account are not subject to regular income and payroll taxes. To be eligible, you must be enrolled in an HDHP Plan, not enrolled in Medicare and you cannot be claimed as a dependent on someone else’s tax return.
HSA Highlights:
- IRS 2024 contribution limits
- Employee only: $4,150
- Family: $8,300
- Money is available as you deposit it
- Balance may be rolled over from year to year and invested
- Special tax rules apply and contributions are prohibited after age 65
Learn more about Flex Spending & Health Savings Accounts
Income Protection
Basic Life and Accidental Death and Dismemberment Insurance: No Cost
- Hourly, Non-Exempt Employees: Covered for Annual Salary up to $150,000
- Salary, Exempt Employees: Covered for Twice (2x) Annual Salary up to $1.5 million
- Additional Buy-Up available for you, your spouse and your child with medical questionnaire and underwriting approval
Long-Term Disability Plan: No Cost
- Cover up to 50% of salary should you become disabled and unable to work for 12 months
- Buy additional coverage to reach 60% of base pay
Long-Term Care Coverage: Discounted Cost
- Available for you, your spouse or for adult children
- Apply through Employee Space or at www.cmcltc.com
Community Extras
- Enrollment in the following is available anytime throughout the year:
- Short-Term Loan Financing
- Identity Theft Protection
- Auto & Home Insurance
- Roadside Assistance
- Pet Insurance
- Student Loan Insurance
- Opt-in or cancel only during Open Enrollment for these programs:
- Hospital Indemnity
- Accident
- Critical Illness
- Legal Service Plans Visit
- www.communitybenefitextras.com to learn more
Retirement Programs
- Enroll and manage your account from the App or desktop portal at any time.
- Traditional (pre-tax): contributions taken from each paycheck before taxes are withheld.
- Roth (after-tax): contributions taken from each paycheck after taxes are withheld.
- Contributions are 1% up to 90% per paycheck, not to exceed $23,000 per year ($30,500 for those age 50 and older).
- Employer match based on years of participation.
- Administered by Transamerica Retirement Solutions.
DailyPay
DailyPay is a new perk that has just now launched providing early access to already-earned wages.
- App or desktop portal access to manage deposits into your bank account(s) before payday.
- Use it for emergencies or special occasions.
- DailyPay offers real-time tracking of your pay, encouragement to save, financial tips and more.
- More details available on the Forum or CommUNITY app.
Education Reimbursement
Community supports and encourages your professional development and your career growth. If you’re a full-time or part-time employee and have worked at Community for at least six months, you may be eligible to receive:
- A $2,500 reimbursement per calendar year for healthcare career-related courses to help you cover registration fees and the cost of books.
- Tuition discounts through a partnership with Community-sponsored degree programs.
- Reimbursement up to $500 upon successful completion of approved Professional Certifications.
Employee Assistance Program
The Community Employee Assistance Program, helps you get answers for any area of life that matters to you most.
- Confidential support resources and services for mental, physical, social, legal and financial wellbeing.
- Save money with discounted gift cards to exclusive shopping offers and free legal or financial advisors.
- Invite family members to access certain features such as online counseling by Telus health app or website.
CredibleMind Self-Care and Well-Being Resources
Find helpful web-based resources for you and your family on a multitude of topics, from emotional health and personal growth to parenting, addiction recovery and wellbeing at work.
- Choose from podcasts, apps, videos, articles and more.
- Each topic includes evidence-based approaches with actionable steps you can take today.
- Since this resource is web based, you have the freedom to explore from any location that’s convenient for you.