The Tax Cuts and Jobs Act (“Act”), passed by Congress with a January 1, 2018 effective date, changed the calculation for 2018 health savings account (“HSA”) limits. The IRS has issued new guidance, which includes a reduction in allowable HSA contributions for families—from $6,900 to $6,850. (The limit for employees with self-only coverage is unchanged at $3,450.)
Several large employer groups plan to ask the IRS for relief, since employee elections were made according to the previous IRS guidance. Wespath will monitor the situation until late summer. If the IRS has not responded, HealthFlex will modify participant contribution amounts to avoid excess contributions. (The HealthFlex plan document does not permit contributions in excess of the limit.) Since most participants elect to have their contributions made in equal amounts throughout the year, adjustments can generally be delayed until late in the year.
Wespath has implemented an enhancement to the single sign on (SSO) from WebMD to Blue Cross Blue Shield today. It now uses a more modern technology, which should bolster security (not that it was lacking before). Because the SSO will point to a new “website” (that looks the same as the old one), participants will need to re-register and accept new terms and conditions. Information needed to register includes: Name, Birthdate, and Identification number (not including “GBH”) and the Group Number from their medical ID card.
This video promotes HealthFlex Annual Election, including ALEX Benefits Counselor—a decision-support tool to help participants to:
- Review and compare HealthFlex plans. For participants who have a choice of plans, ALEX helps identify which plan might cost the least based on their unique circumstances; and
- Estimate reimbursement account contributions and out-of-pocket costs.
- The video was sent via e-mail to participants last week. Please share this video URL on your benefits Web page:
- Most primary participants will receive a brochure in the mail. There are five targeted versions of the brochure to allow the most appropriate communications based on the plan(s) offered by INUMC.
- Annual Election toolkit materials are now available on the Wespath extranet. We encourage you to use these materials to remind participants about Annual Election dates and details.
- Multiple documents and resources are available for participants on the HealthFlex/WebMD Web site, including ALEX, FAQs, fact sheets, reimbursement account information and much more. We encourage participants to login and browse the Web site (“HealthFlex Details and FAQs,” “My HealthFlex Benefits,” and “Consumer Tools”) for helpful information about their health and well-being benefits.
Health Insurance FAQs
Benefit Decision Tips and Tools for Health Insurance
Participants who choose a qualified HealthFlex high-deductible health plan (HDHP) have the option to contribute to a tax-advantaged health savings account (HSA). Personal HSA contributions can be deducted from your compensation on a pre-tax basis or may be contributed on an after-tax basis and mailed directly to the issuing bank [Bank of New York Mellon (BNY Mellon)] for HealthFlex HDHP plans. HSA funds can be used to reimburse yourself for eligible health-related expenses.
An HSA can be used to pay for eligible health-related expenses that are not reimbursed through the health plan.
Common eligible expenses include the following:
- Annual deductibles
- Out-of-pocket expenses for medical and prescription drug services and eligible supplies
Other eligible expenses related to:
- Behavioral health care
For some people, the HSA is an attractive offering because they can save pre-tax money for future medical expenses, including retiree health costs, while still being able to access at any time for eligible expenses.
HSAs can be a great tool for long-term, tax-advantaged health savings. However, they have unique rules, restrictions and tax implications. If you are considering enrolling in a HealthFlex HDHP with HSA, please read this document carefully before electing your plan. You may also want to consult with a tax adviser.
Healthflex continues to service us as the insurance providers this plan year with the following plan tiers and rates.
- The Health Insurance Coverage Tiers consist of the following:
- Single (or employee only coverage)
- Employee and One Dependent
- The Church/Conference contribution to health insurance premiums has increased to $1253 for 2019
- The premiums for PPO plans have increased by 6% for each coverage level
- There continues to be no increase in premiums for the CDHP or HDHP consumer-driven plans for 2019
The new rates for 2019 are represented in the chart below.
Medical insurance premiums are deducted from your pre-tax salary/pay. This means that you are paying for your medical insurance, life and medical reimbursements accounts before any of the federal, state, and other taxes are deducted.
The dates for Open Enrollment will be November 1 thru November 16, 2018. More information will be sent out prior to Open Enrollment to communicate the process and any other general changes from Healthflex.
To talk to a representative, you may contact Linda Eskew at email@example.com, or call 317.924.1034.
Healthflex – Blueprint for Wellness
Health Benefit Updates
Outside of the Annual Election period, changes to elections or enrollments can be made due to a “qualifying life event” (QLE), including marriage, divorce, birth/adoption, death of a spouse/dependent, or loss of a spouse’s or eligible dependent’s health coverage. is due on or before November 17. You will complete theHealthFlex and OneExchange Enrollment/Change Forms to add/drop dependents or enroll/terminate during a qualifying life event. You will have 30 days to submit your request to the Benefits area of the Conference.
A Health Plan Presentation is available for you to review information regarding the 2018 plan highlights.
- New Updates to Services for 2018 – starts January 1
- Participant’s nearing Medicare Eligibility (Age 65+) – Consideration for HDHP Plans
Please note: The IRS increased the 2018 limit for health care flexible spending account (FSA) contributions on October 25. HealthFlex has quickly partnered with our vendors to allow HealthFlex participants to take advantage of the higher 2018 limit—$2,600 per year.
Earlier Annual Election communications do not reflect the new maximum, though ongoing communications will be updated over the next several weeks. However, there is a note on Businessolver’s health care FSA election page informing participants of the new maximum.
There are no changes to any other limits, including the minimum FSA contribution ($300), the maximum dependent care FSA contribution ($5,000) or the Health Savings Account (HSA) limits ($3,400 individual; $6,750 family).
Updates to Your HealthFlex Benefits
Starting January 1, 2018
- New MDLIVE* telemedicine services—Talk with a consulting physician 24/7, either through videoconferencing or by phone, when you can’t get to your own provider but need a professional medical opinion and treatment or prescription quickly. Great for non-emergent acute conditions like cold/flu, skin concerns, sore throats and more.
- Obtain maintenance medications through Walgreens or Home Delivery. For your convenience, you may fill 90-day maintenance prescriptions at a local Walgreens pharmacy or through the OptumRx Home Delivery (mail-order) service. Participant cost share and cost to HealthFlex will be the same under either option.
- Behavioral health benefits changes. Behavioral health benefits will have the same in-network and out-of-network co-payments and/or deductible and co-insurance as your medical plan benefits. However, behavioral health outpatient office visits with an out-of-network provider will be covered at in-network levels up to a “reasonable and customary” amount. (See benefits booklets for details.)
- OptumRx Formulary Changes. Some Medications Not Covered. Certain medications with no clear clinical advantage will no longer be covered if a comparable alternative is available, as part of the HealthFlex and OptumRx commitment to keeping costs lower. OptumRx will contact impacted participants directly beginning in November about medications no longer covered.
- Nurseline* through your medical carrier. When you aren’t sure if you need to contact a physician, you can call the nurseline number on your 2018 medical ID card 24/7 with questions about symptoms, an injury or general health questions.
- Virgin Pulse rewards changes. Watch for upcoming communications on Virgin Pulse’s streamlined approach to earning incentives in 2018.
- MDLIVE telemedicine and nurseline services do not replace the expertise of your personal physician or other primary care provider (PCP). Consult your PCP for more comprehensive diagnostics and guidance.
HealthFlex Dental Wellness Plus Incentive Plan
How to Increase Your Dental Plan Maximum
Under the dental plan offered through HealthFlex, individuals have the opportunity to increase their plan maximum benefit on a calendar-year basis merely by doing their annual routine exam for oral health care and getting their preventive dental services. Individuals who receive their preventive services will have their plan maximum increased by $150 for each calendar year they complete their preventive services (up to $450 maximum above the standard benefit).
Why Is This Important?
Encouraging preventive care contributes to your overall good health, along with potentially leading to fewer treatment claims and lower costs over time. Preventive dental care can also help diagnose the onset of some medical conditions and potentially avoid complications for other diseases.
Wellness Incentive Plan
Your plan is designed to encourage yearly visits to your dentist for preventive care. If a covered person obtains Class 1 Services (preventive) in a calendar year, the annual maximum benefit progresses to the next level ($150 higher) in the following calendar year. The increase applies to both in-network and out-of-network annual maximums. The maximum can be increased in three consecutive years for a total of $450 above your standard dental benefit. Refer to the Cigna Benefit Summary for provisions regarding your dental plan or log into mycigna.com to view your plan details and current maximum benefit.
How to Use My Vision Eye Care Discount Benefits:
Using your VSP benefit is easy:
- Find the right eye care provider for you and your family. You can choose to see a VSP doctor or any other provider within the network.
- Review your benefits information through your HealthFlex WebMD or your review your Vision Benefit Summary
- At your appointment, tell them you have VSP. There’s no ID card required. A vision card is available to print through your HealthFlex WebMD or download from the mobile site.
That’s it! We’ll handle the rest—there are no claim forms to complete when you see a VSP doctor. If you choose to go out-of-network and see a provider other than a VSP doctor, you typically have 12 months to submit a claim to VSP for out-of-network reimbursement. Login to your HealthFlex WebMD to see what the plan offers in coverage for other providers (out-of-network) and for details on how to submit a claim.
Have Questions?Call VSP Member Services at 800.877.7195 to speak with a Member Services Representative. You may also visit your Healthflex WebMD for more information, or review the CIGNA Benefit Summary.
For more information regarding the Dental Benefits Summary, please see below. To make the most out of your plan view here.