2009 Open Enrollment – May 4-21

Open Enrollment Period is May 4 – 21, 2009

Open Enrollment is your opportunity to make changes to your benefits for the coming plan year. Any changes you elect will be for the 12 month period July 1, 2009 – June 30, 2010.

The YCT Benefits Open Enrollment packets will be arriving in campus mail this week! As a reminder we are available to discuss your benefit needs and questions, so please contact HR at deb.webster@yc.edu or call the main HR phone # at (928) 776-2418 for an appointment.

The Open Enrollment Packet will include:

1. Benefits Election Form - You will notice the Benefits Election form has a new look to it. The format for the premium rates has changed to reflect the actual premium cost. This only pertains to the family coverage as the College pays for the employee’s coverage.
2. Flexible Spending Account Form and YCT FSA Brochure
3. Employee Data Form
4. Benefits Enrollment Guide & Summary Plan Document (CD in back pocket of Benefit Guide); please refer to these for comparison of Medical/Dental/Vision plans.
5. YCT Voluntary Life Enrollment Form 09-10
6. YCT Standard Medical History Statements 09-10

**IMPORTANT NOTE**The Human Resources Dept. will not be holding Open Enrollment meetings at each campus this year. However, we are available to discuss your benefit needs and questions, so please contact HR at deb.webster@yc.edu or call the main HR phone # at (928) 776-2418.

Do You Need to Do Anything?

YES, we are doing a “Positive Enrollment” this year; which means all benefit eligible employees MUST participate whether or not you elect a change in coverage during this Open Enrollment.

What does a “Positive Enrollment” mean to you?

The information you provide will help ensure we have accurate data as we progress with the conversion to the Banner HR/Payroll system. Your cooperation and participation is greatly appreciated. This means we are requiring you to complete the forms below:

• Benefits Election Form – whether or not you elect a change in coverage.
• Employee Data Form - we are requiring everyone to submit their addresses – if you have a PO Box, you will need to include your residence address as well; phone number and emergency contact information. All information remains confidential.

Highlights and Changes

• Medical Plan Changes:
  • Premier Plan – Emergency Room visits will be covered at 80% after you pay a $100 copay per visit. Copay is waived if admitted to the hospital from the ER.
  • Basic Plus Plan – Emergency Room visits will be covered at 60% after you pay a $100 copay per visit. Copay is waived if admitted to the hospital from the ER.
  • Basic Plus Plan – No longer has a prescription drug maximum.
  • Maternity Services will require a $100 copay toward the associated physician fees before the plan pays a coinsurance amount.
• Dental Plans – No changes
• Vision Plan- No changes
• Employee Assistance Program – changed from 6 visits to 3 visits no co-pay

Considering Making Changes to your Coverage?

If you are making changes to your plan coverage, please carefully consider the options. Things to think about are:

• Are you having a major surgery or procedure? What coverage do you need or want?
• Look at the Out-of-Pocket Maximum; Deductible; and Co-Insurance.
• What Provider Networks are available? Medical Premier offers two provider networks and the Basic Plus Plan only has one network; which means the Basic Plus plan pays only if you see an In-Network provider.
• Changing from Dental Preventative to Dental Comprehensive *NOTE* Orthodontia benefits are provided to individuals up to the age of 18, and only if the individual has been a participant in this dental plan for 24 consecutive months.

Important Dates

• Open Enrollment Period is Monday, May 4 through Thursday, May 21, 2009.
• All benefit forms are due to the Human Resources Office by 4:30pm Thursday, May 21, 2009.
• Elections or changes made during open enrollment will become effective July 1, 2009.

Changes you can make during Open Enrollment- *Medical * Dental * Vision

• Change from one plan to another;
• Enroll qualified dependents in any plan for which you have elected to be enrolled;
• Change coverage type (e.g. family coverage to single coverage);
• Cancel coverage for spouse and/or family from any plan;
• Add or drop dependents ***NOTE: ***Dependent Premiums are taken one month in advance (IE. coverage is effective July 1; but you pay for it in the 1st and 2nd paychecks of June and so on)
• Rates are noted on the Benefits Election Form

Flexible Spending Account (FSA)

• Must re-enroll each year, per IRS.
• Medical Account – $3000 Annual Maximum
• Dependent Care Account – $5000 Annual Maximum or $2500 if married & filing separate tax returns
• Mid-year changes are allowed ONLY with qualified status change such as birth, death, marriage, divorce, job change, etc.

If you are re-enrolling, do not throw your FSA Debit card away. Your card is good as long as you re-enroll and contribute to the FSA program.

Beneficiary Information

• Open Enrollment is a good time to review your beneficiary information for your Basic Life Insurance and/or Voluntary Life Insurance; and your retirement plans.

Life Insurance

• Basic Life Insurance for you and dependents is an employer paid benefit. Employee coverage amount is 2 x your annual base salary; spouse/$2000; dependents/$1000.
• Voluntary Life Insurance is an employee paid benefit and is available as additional coverage for you and dependents. You may apply now or anytime during the year. Contact HR for more information.

Short Term Disability

All benefit eligible employees are covered for the Short Term Disability replacement income benefit. This replacement income benefit is an employer paid benefit.

Long Term Disability

The Long Term Disability replacement income benefit is mandatory and coverage is determined based on the retirement plan you are enrolled in.

• If you are enrolled in a Defined Benefit Plan (ASRS), your coverage is through Sedgwick CMS.
• If you are enrolled in a Defined Contribution Plan (Optional Retirement Plan) your coverage is through Standard insurance.

Retirement Plans

• During Open Enrollment you may change between Optional Retirement Plan (ORP) vendor’s (IE change from TIAA-CREF to ING, etc.); but you cannot change from an ORP to Arizona State Retirement System (ASRS) or ASRS to an ORP.

Benefit Resources