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Open Enrollment for Plan Year 2018
September 15, 2017, through November 15, 2017
 
Open enrollment is the period in which we allow employees to make changes in their employee benefit selections.  The changes employees make during this time are effective January 1, 2018.  Changes made to health insurance benefits will reflect on the December, 2017, paycheck.  All other changes will be on the January, 2018, paycheck.
 
During open enrollment employees may add or drop coverage; add or drop dependents; switch from one health plan to another; change dental plans; increase or decrease the amount of life insurance; make changes in disability coverage; add or drop vision coverage; and add or drop long-term care insurance.
 

The only benefit an employee must re-enroll in every year is the Flexible Spending Account Plan (FSA).  All employees who participated in the FSA in 2017 must complete a new enrollment form for 2018.

Here are the changes to the PPO health plans effective January 1, 2018.

Under the Basic PPO, the maximum out-of-pocket expenses for the individual will be $4,950 (an increase of $600).  The family's maximum out-of-pocket expenses will be $10,000 (a decrease of $2,000).

Under the Enhanced PPO, the maximum out-of-pocket expenses for the individual will be $4,200 (an increase of $600).  The family's maximum out-of-pocket expenses will be $10,000 (a decrease of $2,000).

Under both PPO plans, the maximum out-of-pocket expenses for prescription drugs will be $800 per person (an increase of $200).

Under both PPO plans, the co-payments for prescription drugs will be $15 for generic; $40 for the preferred brand; and $70 for a non-preferred brand.  The co-payment for specialty medication will not change.

To make changes to health insurance benefits, employees may come by or contact the LPSS Insurance Department (telephone 521-7065; 521-7064; or 521-7066).  For all other benefit changes, employees must visit with a representative from First Financial Group of America (FFGA).  Click to see the schedule of when FFGA will be visiting each location.

For employees who cannot come to the Insurance Department during business hours, Insurance Department staff will be available to assist you in the Central Office Federal Building conference room on October 10 and 11, from 4:30 pm to 7 pm and Saturday, November 11, from 8 am to 12 pm.