2021 Open Enrollment at Brattleboro Retreat - Benefits and Assistance
Discover the comprehensive 2021 Open Enrollment program at Brattleboro Retreat offering opportunities to enroll, drop, or change benefit plans, update beneficiary details, and more. Learn about the new Employee Assistance Program provided by KGA, offering counseling, legal assistance, financial consultation, parenting resources, and more. Make informed decisions for your coverage and well-being in 2021.
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Presentation Transcript
2021 OPEN ENROLLMENT Brattleboro Retreat Human Resources
Open Enrollment Jackie Brady, The Richards Group Active Enrollment *NEW* ADP Online Enrollment *NEW* KGA EAP TODAY WE WILL COVER What s not changing for 2021? Employee Benefit Center HPI Plan Designs, Tools and Extras Jeanna Wilson, HPI Retirement Plan Refresher Allie Lambert, The Richards Group Questions and Answers
ABOUT TODAY S TECHNOLOGY To raise your hand to ask a question by audio To mute or unmute your audio To make the chat box appear in the lower right to type a question. To show yourself via camera
Open enrollment is your opportunity to make changes to your benefit elections: Enroll, drop, or change plans Enroll or drop dependents Update beneficiary information Make voluntary life insurance & FSA/DCA elections OPEN ENROLLMENT Outside of open enrollment, you must have a qualified event to make changes to your coverage
This year plan elections will be made in ADP between November 4th and November 14th This year open enrollment is ACTIVE, meaning your MUST make plan elections to have coverage in 2021 ACTIVE ENROLLMENT Beneficiary information must be designated in ADP If you do not make plan elections in ADP, you will not have coverage in 2021
You can enroll on-line: At work At Home Or with Assistance ADP ONLINE ENROLLMENT Tech support and HR assistance available! See detailed instructions from HR
*Beginning January 1 2021* In 2021, Brattleboro Retreat s new Employee Assistance Program will be provided by KGA KGA KGA EAP is a free and confidential benefit for all employees and their adult household members, designed to help you and your household members deal with a wide range of issues in your personal and work lives. Through KGA, you have free access to confidential counseling, expert consultations and referrals to resources including child care, elder care, legal, financial, nutrition, career, and daily living. EMPLOYEE ASSISTANCE PROGRAM (EAP) Some examples of services are: Counseling: Face-to-face, phone or video session to help resolve emotional issues Legal Assistance: Legal consultation with an attorney and referrals for most legal issues Financial Consultation: Help with debt management, budgeting and financial planning Parenting Resources: Research and referral for all types of child care needs and parenting questions Work-life Resources: Targeted research and referrals for everything from relocation services to college planning Nutrition Counseling: Support from a nutritionist on weight management, allergies and other dietary concerns Career Assessment: Interest testing and career exploration services More to come!
No carrier changes for 2021 Medical staying with HPI Dental staying with Delta Dental Vision staying with VSP Health Equity for H.R.A., F.S.A., H.S.A. accounts Gold Silver Bronze Basic Medical plans not changing* WHAT S NOT CHANGING? Voluntary Life, Accident, Critical Illness Plans not changing, rates not changing Dental & Vision Plans not changing, rates not changing *Medical rates subject to future change with negotiations
The Employee Benefit Center (EBC) is your online source for Brattleboro Retreat s benefit information. Visit the EBC for information about plan designs, rates, forms and plan documents. YOUR RESOURCES Electronic version of Benefits at a Glance booklet Links to carrier websites and tools Link to the ADP enrollment site View current (2020) and new (2021) information Visit the Employee Benefit Center at www.brattlebororetreat.trgportal.com
YOUR Allie Lambert, The Richards Group RETIREMENT
Q&A 1. What is an individual v. family Deductible and Out of Pocket Maximum (OOP)? There are 2 types of Deductibles and OOP Maximums: embedded and aggregate. With an embedded deductible, individuals on a double or family plan only need to meet the individual caps for deductible and OOP. This is how the Summary of Benefits and Coverage reads for an embedded plan: With an aggregate deductible, the double or family must collectively reach the family caps before the deductible and out of pocket are met. This is how the Summary of Benefits and Coverage reads for an aggregate plan: The Gold, Silver and Basic plans have an embedded deductible & out of pocket maximum. The Bronze plan has an aggregate deductible & out of pocket maximum. 12
Q&A 2. Which plan is best? It depends; the answer is not the same for everyone. Things to consider are: Cost out of paycheck for premium contributions annually v. cost share (or exposure ) of using plan throughout the year Type of care you are likely to use with greatest frequency (Office visits? Inpatient care? Rx?) and what each plan pays towards that type of care Overall maximum exposure for each plan (Out of Pocket maximum) Comfort or aversion to risk HRA first-dollar coverage with Gold; Health Savings Account eligible with Bronze 3. Will the open enrollment information be recorded and posted to view later? Yes! Recordings of each presentation will be posting on the Open Enrollment 2021 tab of the Employee Benefits Center. 13
Open Enrollment is in ADP Elections can be made between November 4th and November 14th REMEMBER! Open Enrollment is ACTIVE, meaning your MUST make plan elections to have coverage in 2021
