Employee Benefits

2019 Employee Benefits

What all employees need to do during Open Enrollment 2019

  1. Carefully read through all of the information below.
  2. Ask any questions you have. Questions can be directed to Rachel LaCasse, HR Benefits Specialist at rlacasse@caeiowa.org, or at (563) 324-3239 ext. 1203.
  3. All employees who are scheduled to work 30 or more hours per week (even if you don’t want any of the benefits) must fill out the 2019 Benefit Enrollment Form, and return it to Rachel LaCasse, HR Benefits Specialist, at the Davenport office by Wednesday, December 5, 2018. Click this link to fill out the 2019 Benefit Enrollment Form If you are taking the same benefits as last year, this is the only form you will need to submit.  We will accept a faxed or scanned/emailed copy – no need to mail the original.
  4. We are asking all employees to update their personal contact information. All employees are asked to complete this brief survey.
  5. Open enrollment is a great time to update your beneficiary designations.  If you have had a major life change (a family birth, death, divorce, marriage, adoption, etc.) that would cause you to want to update your beneficiary listed on your life insurance or your retirement plan, please contact Rachel. It is very important to keep this up-to-date.

Open Enrollment

  1. What is Open Enrollment? Open enrollment is an opportunity to make changes to the benefits you select. It is a time provided once each year for you to make changes without having to have a qualifying event.
  2. When is Open Enrollment? This year, Community Action of Eastern Iowa’s open enrollment begins on Monday, November 19, 2018.
  3. What if I don’t want to participate in any of the benefit plans? You don’t have to participate. We do require everyone to fill out the benefit enrollment form, however. On that form, you can reject all benefits if you wish to do so. We need the form back from everyone so we can be sure we have offered the benefits to everyone.
  4. What if I want to make changes after Open Enrollment? After the open enrollment period, you can make changes to your benefit elections only if you have a qualifying event. A qualifying event is change in your situation — like getting married, having a baby, a spouse losing a job, or losing health coverage — that can make you eligible for a Special Enrollment Period, allowing you to enroll in health insurance outside the yearly Open Enrollment Period. Special Enrollment Periods are only 30 days long following the date of your qualifying event. If you want to make changes to your benefits after open enrollment, please contact Rachel LaCasse, HR Benefits Specialist.
  5. What if I have questions, or want more information on how benefits work?  We are having an optional meeting for anyone with questions on Tuesday November 27, 2018 at 2:30 p.m. in the Conference Room at the Davenport Office. At this meeting we will explain the benefits, answer any questions, and walk through how the deductible and co-insurance work when you have a large claim. If you were hired on or after October 1, 2018, we are asking you to come to this meeting to fill out the full benefit applications to get your benefits started.

Health Insurance

  1. What is changing? Aetna will continue to provide our health insurance plan. Plan co-pays, and all major features of the plan will stay the same. In the past, you were in one network if you lived in Iowa, and another network if you lived in Illinois (or Clinton).  For 2019, we will all be in the Aetna Open Access Managed Choice Plan. This network is bigger and includes Medical Associates in Clinton.  Metropolitan Lab is also included in the network. One change for Iowa residents is that eye coverage is no longer included. If you have questions about coverage, please create an online account to view your coverage, or call the phone number on the back of your insurance card. If you do not currently have coverage, but would like to view more details about coverage, please see Rachel LaCasse, HR Benefits Specialist.
  2. What is the cost? All rates will increase by 2% in 2019. The exact rates are listed on the 2019 Benefit Enrollment Form.
  3. What if I didn’t have the insurance in 2018, but may want to participate in 2019?  Please come to the meeting on November 27th at 2:30 p.m. or contact Rachel LaCasse, HR Benefits Specialist (see contact information above).  Rachel will set a time to visit with you to provide more information.
  4. What is Teladoc? If you participate in the Aetna health plan, you can access medical care over your phone through Teladoc for $20 per visit. If you are in reasonably good health, and you have a relatively simple condition (such as a sinus infection, poison ivy, acne, ear ache, simple back pain (or other pain), urinary tract infection, nausea), you may want to consider this service. If you download the Teladoc app to your phone and enter your insurance information, you can request a video or audio appointment with a doctor at a time that is convenient to you. Find out more about Teladoc by reading this flyer. The flyer says “$40 or less,” but our cost is $20 per visit.
  5. How does the health insurance deductible work?  The deductible under the Aetna plan is $5,000 per person ($10,000 family).  Community Action of Eastern Iowa self-insures to cover part of the deductible. The self-insurance plan in the past effectively reduced the single person deductible to $1,500. We are pleased to announce that we are lowering that amount to $1,000. The table below provides more information. If you would like more information about how this works, please contact Rachel LaCasse, HR Benefits Specialist.  The portion self-insured by Community Action of Eastern Iowa is handled by EBS. Employees do not need to submit any paperwork or forms to access the self-insured benefit. You can create an online account with EBS so you can see how your claims are handled.
Aetna Single Deductible$5,000
Employee CoversFirst $1,000
Then 30% co-insurance after that
Community Action covers (through EBS)70% of amounts between $1,000 and $5,000

Dental Insurance

  1. What is changing? MetLife will continue to provide our dental insurance, and all major components of that plan will continue at the rates and levels they are at now.It is not possible to cover all of the specifics of the plan in this format. If you have questions about the specific coverage, please create an online account to view your coverage. If you do not currently have coverage, but would like to view more details about coverage, please see Rachel LaCasse, HR Benefits Specialist.
  2. What is the cost? There is no increase for 2019. The exact rates are listed on the 2019 Benefit Enrollment Form 2019 Benefit Enrollment Form.
  3. What if I didn’t have the insurance in 2018, but may want to participate in 2019?  Please come to the meeting on November 27th at 2:30 p.m. or contact Rachel LaCasse, HR Benefits Specialist (see contact information above).  Rachel will set a time to visit with you to provide more information.

Vision Insurance

  1. What is changing? MetLife will continue to provide our vision insurance. It is not possible to cover all of the specifics of the plan in this format. If you have questions about the specific coverage, please create an online account to view your coverage. If you do not currently have coverage, but would like to view more details about coverage, please come to the meeting on November 27th at 2:30 p.m. or see Rachel LaCasse, HR Benefits Specialist. Remember to tell your eye doctor that our MetLife vision insurance is part of the VSP network.
  2. What is the cost? Vision insurance rates are increasing by 4% for 2019 compared to 2018. The exact rates are listed on the 2019 Benefit Enrollment Form

Life/ADD/Long-Term Disability Insurance

  1. Basic Life/ADD/Long-Term Disability: Community Action pays 100% of the cost for all full-time (30 hours per week or more) employees for basic life insurance, accidental death and dismemberment insurance, and long-term disability insurance. This coverage is provided through MetLife, and is provided at no cost to employees.  There are no changes to these coverages for 2018. It is not possible to cover all of the specifics of the plan in this format. If you have questions about the specific coverage, please come to the meeting on November 28th at 2:30 p.m. or see Rachel LaCasse, HR Benefits Specialist.
  2. Optional Additional Coverage: You have the option to purchase additional life insurance to cover you, your spouse, and any dependent children. This is optional.
    • How Do I Buy More? Please come to the meeting on November 27th at 2:30 p.m. or see Rachel LaCasse, HR Benefits Specialist. The pricing for additional insurance depends on a number of factors, including how much you wish to purchase, and your age.
    • Will My Cost Go Up in 2019? If you had a birthday in 2018 that ended in a zero or a five, then your cost will go up slightly in 2019 if you purchase the optional life insurance. Rachel will contact you via email before the end of the Open Enrollment period if your rates will be going up based on your age.

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