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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 2020
Roper St. Francis Healthcare is pleased to provide affordable benefit options that meet the needs of you and your family. We hope that you and your family take full advantage of these benefits as part of your total rewards package.
We encourage you to learn more about our 2020 benefits to make the best decisions for you and your family during Open Enrollment.
General Open Enrollment Information
Your 2019 elections for Health Savings Accounts, 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 2020. If you do not make changes to your 2019 elections for medical, dental, vision, disability, supplemental/dependent life insurance, critical illness and universal life insurance, your current elections will carry over for 2020. We also have a new accident insurance plan for your consideration.
Medical (Administered by BlueCross BlueShield (BCBS))
There are no plan changes to the medical plans for 2020. The following medical plans continue to be offered.
- Alliance Prime (copay plan with RSFH network-only coverage)
- Alliance Flex (copay plan with RSFH network and BCBS network coverage)
- Alliance Save (high deductible plan with a Health Savings Account (HSA))
- Alliance Out of Area (for those who live outside the Tri-County area)
Keep in mind that 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 will want to enroll 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 medical teammate contribution increase was consistent with medical inflation, and RSFH did not make any changes to the medical plans to reduce benefits.
If you are continuing medical coverage from 2019, you can continue to use your current medical ID card in 2020. 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 2020, you will receive a medical ID card in the mail.
Flexible Spending Accounts/Health Savings Accounts (Administered by McGriff Insurance Services (formerly known as SHDR))
Your 2019 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 2020.
The IRS has increased the HSA contribution limits modestly for 2020. The annual limit on HSA contributions will be $3,550 for teammate only coverage and $7,100 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 2020 will be $2,700. The maximum contribution limit for Dependent Care FSA remains $5,000.
Pharmacy (Administered by Express Scripts)
There are no changes to the pharmacy plan design, and Express Scripts will continue to be the pharmacy benefit manager. For more information or to find a retail pharmacy near you, visit www.Express-Scripts.com/roperstfrancis or call 1-844-730-1971
A formulary is a list of medicines that have been reviewed and approved for safety, effectiveness and cost by a panel of doctors and pharmacists. This list is continually reviewed and updated as new medicines become available. This formulary, or preferred drug list, helps keep healthcare costs down for everybody. Please note certain medicines may be excluded and therefore not covered due to equally effective and safe alternatives being available.
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 in advance of Jan. 1. The formulary continues to cover more than 92 percent of all available products. The formulary exclusions and preferred alternatives can be viewed here.
Some medications may require that you try another medication first. For example, if you’re taking a brand name medicine when there is an equally effective, lower-cost generic available, you may be required to try the generic first. Using generics is less expensive for you and Roper St. Francis Healthcare.
Express Scripts Home Delivery Pharmacy
Don’t forget that after three retail fills, maintenance brand name medications will need to be filled through home delivery. For more information or to start a new home delivery medication, please visit www.Express-Scripts.com/roperstfrancis or call 1-844-730-1971 for more information.
Accredo Specialty Pharmacy
Accredo® is the Express Scripts Specialty Pharmacy. A specialty pharmacy provides medicine and therapy for patients with serious, chronic conditions such as cancer and rheumatoid arthritis. If you have any questions or will be starting a new specialty medication, please visit www.Express-Scripts.com/roperstfrancis or call 1-844-730-1971 for more information.
Dental (Administered by Delta Dental)
For 2020, we are streamlining our dental plan by offering only one plan that will include orthodontia. This Silver plan has been enhanced to increase the annual maximum coverage limit from $1,000 to $1,250. The dependent maximum age for orthodontia also is increasing from 19 to 26. Even with these plan enhancements, the teammate premium contributions are not increasing for the Silver plan.
If you elected the White plan in 2019, you automatically will be enrolled in the Silver plan for 2020 unless you actively decline dental coverage during Open Enrollment.
To find a Delta Dental PPO or Delta Premier dentist, visit www.deltadentalsc.com.
If you are continuing coverage under the Silver plan for 2020, you can continue to use your current dental ID card. If you are electing dental coverage for the first time in 2020 or you were covered under the White plan in 2019 and are continuing dental coverage in the Silver plan for 2020, 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 design or premiums. To learn more about the Physicians Eyecare Plan network, visit www.physicianseyecareplan.com.
If you are continuing coverage from 2019, you can continue to use your current vision ID card in 2020. If you elect coverage for the first time in 2020, you will receive a vision ID card in the mail.
RSFH will continue to offer Critical Illness with The Hartford and a Universal Life plan with Transamerica. In addition, there is a new Voluntary Accident Insurance Benefit plan through The Hartford. If you do not make changes to your 2019 elections for critical illness and universal life insurance, your current elections will carry over for 2020.
Life Insurance/Accidental Death & Dismemberment Benefits
There are no plan design changes for basic life insurance and accidental death & dismemberment benefits. These benefits continue to be made available at no cost to you. If you do not make changes to your 2019 elections supplemental/dependent life insurance, your current elections will carry over for 2020.