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IMPORTANT: If you do not elect your benefits during the annual Open Enrollment period or within 31 days of your date of hire, you will not have Roper St. Francis Healthcare health plan coverage until the next year unless you have a qualified life event as defined by the IRS.
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What’s New for 2021
Roper St. Francis Healthcare is pleased to provide affordable benefit options that meet the needs of you and your family. We hope that you take full advantage of these benefits as part of your total rewards package.
We encourage you to learn more about your 2021 benefits to ensure you have the information you need to make the best decisions during Open Enrollment for 2021.
General Open Enrollment Information
Open Enrollment will be Oct. 15-29.
HOW TO ENROLL: All benefit elections must be submitted online through www.rsfbenefits.com. Use “RSF”
plus your employee number (ex. RSF00000) as your username and your date of birth as your password in this format: the 2-digit date of your birth followed by the first 3 letters of your birth month followed by the 4-digit year of your birth (ex. 16Jun1976). NOTE: Be sure to capitalize the first letter of your birth month.
You also can download the Benefitfocus app to complete your enrollment on your mobile device. Use the code “RSFBenefits.”
Enrolling by telephone is NOT an option.
IMPORTANT: Your 2020 elections for Health Savings Accounts, Health Flexible Spending Accounts and Dependent Care Flexible Spending Accounts do NOT carry over. You must actively enroll in these plans if you want to participate in 2021. If you do not make changes to your 2020 elections for medical, dental, vision, disability, supplemental/dependent life insurance, critical illness, accident insurance or universal life insurance, your current elections will carry over for 2021.
Medical (Administered by BlueCross BlueShield (BCBS))
There are no changes to the medical plan offerings for 2021. The following medical plans continue to be available:
- Alliance Prime (copay plan with only RSF Health Alliance network coverage)
- Alliance Flex (copay plan with RSF Health Alliance network and BlueCross BlueShield network coverage)
- Alliance Save (high deductible plan with a Health Savings Account)
- Alliance Out of Area (for those who live outside the Tri-County area)
For all of these plans, using the Roper St. Francis Health Alliance network of providers will ensure the lowest copays and co-insurance. But if you have dependent(s) who live outside of the Tri-County area, you should consider enrolling in a plan that has other network options available, too.
The cost of insurance and healthcare continues to rise and affect employers nationwide, including Roper St Francis Healthcare. We are committed to taking care of you and your family and will continue to pay the majority of the total cost of your healthcare. The teammate contribution will increase slightly for 2021, but RSFH will not make any changes to the medical plans to reduce benefits.
If you are continuing medical coverage from 2020, you can continue to use your current medical ID card in 2021. If you have a name or address change or are making a coverage level change, you will receive a new medical ID card in the mail. If you elect coverage for the first time in 2021, you will receive a medical ID card in the mail.
Flexible Spending Accounts/Health Savings Accounts (NEW for 2021–Administered by ConnectYourCare)
Your 2020 elections for Health Savings Accounts (HSA), Health Flexible Spending Accounts and Dependent Care Flexible Spending Accounts do NOT carry over, so you must actively enroll in these plans if you want to participate in 2021.
The IRS has increased the HSA contribution limits modestly for 2021. The annual limit on HSA contributions will be $3,600 for teammate-only coverage and $7,200 for family coverage. Catch-up contributions for those ages 55 or older remains $1,000.
The maximum contribution limit for Health Flexible Spending Account for 2021 will be $2,750. The maximum contribution limit for Dependent Care FSA remains $5,000.
RSFH has a new partnership with ConnectYourCare to administer the Flexible Spending and Health Savings Accounts in 2021. If you elect an HSA or FSA (health or dependent care) for 2021 during open enrollment, you will receive a welcome email from ConnectYourCare in December with details on how to access their website and how to create your account. The 2020 HSA and FSA plans were administered by McGriff Insurance Services, and they will continue to manage claims incurred in 2020 through March 31, 2021.
Pharmacy (Administered by Express Scripts)
There are no changes to the pharmacy plan offerings, and Express Scripts will continue to be the pharmacy benefit manager.
Formulary changes, or the list of covered prescription drugs, for Jan. 1 are expected to impact less than 2 percent of our teammates and their dependents. Those who are impacted will receive direct communication from Express Scripts before Jan. 1. The formulary continues to cover more than 90 percent of all available products. The formulary exclusions and preferred alternatives can be viewed here.
If you are continuing coverage from 2020, you can continue to use your current pharmacy ID card in 2021. If you elect coverage for the first time in 2021, you will receive a pharmacy ID card in the mail.
Dental (Administered by Delta Dental)
There are no changes to the dental plan, and Delta Dental will continue to be the dental plan administrator. Premiums are increasing slightly to cover inflation.
To find a Delta Dental PPO or Delta Premier dentist, visit www.deltadentalsc.com.
If you are continuing coverage under the Silver plan for 2021, you can continue to use your current dental ID card. If you are electing dental coverage for the first time in 2021, you will receive a dental ID card in the mail.
Vision (Insured by Physician’s Eyecare Plan)
If you are continuing coverage from 2020, you can continue to use your current vision ID card in 2021. If you elect coverage for the first time in 2021, you will receive a vision ID card in the mail.
RSFH will continue to offer critical illness and accident insurance with The Hartford and a universal life plan with Transamerica. If you do not make changes to your 2020 elections for critical illness, accident insurance and universal life insurance, your current elections will carry over for 2021.
Life Insurance/Accidental Death & Dismemberment Benefits
There are no plan design changes for basic life insurance and accidental death and dismemberment benefits. These benefits continue to be made available at no cost to you. If you do not make changes to your 2020 elections supplemental/dependent life insurance, your current elections will carry over for 2021.
There are no changes to short-term or long-term disability benefits or premiums. If you do not make changes to your disability insurance, your current elections will carry over for 2021. If you are electing the short-term disability plan for the first time or making changes to your existing plan, remember that you must call Farmington directly during Open Enrollment at 800-621-0067.
Dependent Eligibility Verification Coming Soon
Documentation to support dependent eligibility is required when a teammate first enrolls a dependent in coverage. RSFH also conducts full dependent eligibility verification audits periodically because there is a fiduciary duty to administer the plan in accordance with plan documents, which means that only eligible dependents should receive benefits. The audit also helps control claims costs, and this means less costly premiums for everyone on the plan.
RSFH is working with a third party to conduct a full dependent eligibility audit in the first quarter of 2021. You will receive additional information about the verification process later, including specifics about the documentation you will need to provide. Common documentation includes marriage certificates, dependent birth certificates, page 1 of Federal Tax return (redacted), and in special circumstances, court orders.