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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 2022
In a challenging year, Roper St. Francis Healthcare is investing in our benefit plans to help our teammates. This investment has enabled RSFH to minimize changes to the health plan and even decrease the cost of coverage in some of our tier options. 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 benefits to make the best decisions during Open Enrollment for 2022.
General Open Enrollment Information
Open Enrollment will be Oct. 14-28.
HOW TO ENROLL: You and your family members can easily access your benefits information whenever and wherever you need it at our benefits website, RSFBenefits.com. You also can download the BenefitplaceTM app to complete your enrollment on your mobile device. Use the code “RSFBenefits”. Enrolling by telephone is NOT an option
ALL teammate usernames and passwords are reset for Open Enrollment.
- Your Enrollment Username: Use “RSF” plus your employee number (ex. If your employee number is 103123, enter RSF103123. Do not include the first initial of your name.)
- Your Enrollment Password: Use 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.
IMPORTANT: Your 2021 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 2022. If you do not make changes to your 2021 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 2022.
Medical (Administered by BlueCross BlueShield (BCBS))
We are pleased to be able to maintain our current medical plan design offerings for 2022. There are no changes in plan design except for an additional offering of enhanced virtual care (telemedicine) options to provide increased access to behavioral health services. The following medical plans continue to be available:
- Alliance Prime (plan generally limited to only RSF Health Alliance network coverage)
- Alliance Flex (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. Despite this, Roper St Francis Healthcare is making a significant investment for 2022 to keep healthcare affordable. The new rates for 2022 will vary, and there are a few increases, but on average teammate payroll contributions for the medical plans will decrease almost 10%. For example:
- The full-time qualified rate for employee plus child(ren) and family coverage under the Prime plan is decreasing by more than $840 per year;
- The full-time qualified rate for teammate coverage under the Save plan is decreasing over 50%.
- The maximum increase for anyone enrolled in a medical plan is 5% over the 2021 monthly contribution. For example, the full-time qualified rate for employee only coverage in the Prime plan is increasing less than $7 per month.
We are also pleased to share that the difference between qualified and non-qualified rates has been standardized across plans and coverage tiers. Your contributions are about $1,000 less annually if you complete the wellness program requirements.
If you are continuing medical coverage from 2021, you can continue to use your current medical ID card in 2022. 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 2022, you will receive a medical ID card in the mail.
Flexible Spending Accounts/Health Savings Accounts (Administered by Optum Financial, formerly known as ConnectYourCare)
Your 2021 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 2022.
The IRS has increased the HSA contribution limits modestly for 2022. The annual limit on HSA contributions will be $3,650 for teammate only coverage and $7,300 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 2022 will be $2,750. The maximum contribution limit for Dependent Care FSA remains $5,000.
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, providing excellent service to our teammates.
Formulary changes, or the list of covered prescription drugs, for Jan. 1 are expected to impact less than 1 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 87.4 percent of all available products. The formulary exclusions and preferred alternatives can be viewed here.
If you are continuing coverage from 2021, you can continue to use your current pharmacy ID card in 2022. If you elect coverage for the first time in 2022, you will receive a pharmacy ID card in the mail.
Dental (Administered by Delta Dental)
We are also pleased to share that 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 2022, you can continue to use your current dental ID card. If you are electing dental coverage for the first time in 2022, you will receive a dental ID card in the mail.
Vision (Insured by Physician’s Eyecare Plan)
There are no changes to the vision plan and premiums will remain the same for 2022. To learn more about the Physicians Eyecare network, visit www.physicianseyecareplan.com.
If you are continuing coverage from 2021, you can continue to use your current vision ID card in 2022. If you elect coverage for the first time in 2022, you will receive a vision ID card in the mail.
If you do not make changes to your 2021 elections for critical illness, accident insurance and universal life insurance, your current elections will carry over for 2022.
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 2021 supplemental/dependent life insurance, your current elections will carry over for 2022.
*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, An Aon Company, directly during Open Enrollment at 800-621-0067.
We believe that by investing in our benefits plans, we are investing in you and your families. We want you to have access to affordable coverages and excellent care. Thank you for all that you do to live our mission at RSFH!
Contact the HR Benefits Team at HRBenefitsTeam@rsfh.com or 843-720-8400, Option 2.