Open enrollment ends on Friday, November 6 at 11:59 p.m. Elections are effective on January 1, 2021 with the first deductions being taken in December 2020 (with the exception of the Flexible Spending Account contributions).
The 2021 Open Enrollment video is below, and contains important information on your 2021 plan changes.
Medical - State Health Benefit Plan (SHBP)
There are no changes to the health plan deductibles, copays, or coinsurance for 2020. There is a premium increase and some plan enhancements to the Be Well SHBP well-being program and to the diabetes prescription coverage. You are not required to complete an active election for medical to carry forward to 2021, but this is a great time to access the SHBP enrollment portal to review your enrollment information and print a Confirmation Statement for your records. If you do not enroll, your medical benefits will carry forward to 2021. This includes any applicable tobacco surcharge.
The BeWell wellness program activities and incentive requirements remain the same for 2021. Health activities must be completed by the deadline, and you may earn a total of 480 incentive points for employee only coverage, or 960 incentive points for family coverage. Well-Being Incentive Points are saved in the Sharecare Redemption Center until you choose to redeem them. Members must make their selection on how they choose to redeem their points through the Redemption Center. Members can choose to redeem their incentive points for either a $150 Visa gift card or 480 incentive points to be applied towards eligible medical and pharmacy expenses.
For more information, please review the 2021 State Health Decision Guide.
Click here to enroll: https://myshbpga.adp.com/shbp.
Voluntary Benefits (Non-Medical)
All employees are required to complete an active election for 2021 benefits since there are multiple changes for the new plan year. If you do not make an active election, your voluntary benefits will carry forward to 2021 with the exception of the FSA plan.
Click here to enroll: www.totemtools.com.
Benefits Service Center Hours
There will be no changes to the medical plan option or benefits for 2021, but there will be a premium increase.
Unused well-being incentive credits will roll over to 2021, even if you change your medical plan. Sharecare will also continue to administer the wellness program. More information is available in the 2021 Decision Guide available in the Resources section.
Important Plan Reminders
Social Security Number (SSN) or other Taxpayer Identification Number (TIN)
All members must provide SHBP with their Taxpayer Identification Number (TIN) for themselves and their enrolled dependents upon enrolling in SHBP coverage. The most common type of TIN is a Social Security Number (SSN), but for individuals who are not eligible for a SSN, members may submit an Individual Taxpayer Identification Number (ITIN) or Adoption Taxpayer Identification Number (ATIN). Failure to submit a TIN will result in a loss of coverage and no refund will be issued.
The requirement to provide a SSN or other TIN is a separate process from Dependent Verification. Dependents whose coverage is terminated due to providing an invalid SSN or no SSN are not eligible for coverage even if they passed the Dependent Verification process as they have failed to provide a valid SSN to SHBP.
There's Still Time to Earn 2020 Well-Being Incentive Credits
Anthem and UnitedHealthcare Plan Options: Members and their covered spouses currently enrolled in Anthem and UnitedHealthcare Plan Options who have not completed the required health actions or have not taken any actions have until November 30, 2020 to:
2020 Rollover Credits: Regardless of what plan option you select, all unused well-being incentive credits earned in 2020 will automatically roll over to your 2021 plan option you choose during Open Enrollment. SHBP will deposit your unused credits in the incentive account associated with your 2021 plan selection in April 2021. If you remain with the same Medical Claims Administrator and in the same Plan Option in which you were enrolled in 2020, rollover credits will be available January 1, 2021.
Telemedicine / Virtual Visits
Telemedicine / virtual visits is a benefit that is available to SHBP members under all Plan Options. Telemedicine allows healthcare professionals to evaluate, diagnose and treat patients using telecommunication technology. Through your plan’s participating telemedicine / virtual visit providers, you will be able to see and/or talk to a participating provider from your mobile device, tablet or computer with a webcam while at home, work or on the go. Please see the Benefits Comparison Charts in the SHBP Decision Guide or contact the Medical Claims Administrators if you have questions.
Summary of Benefits and Coverage (SBC) for Plan Options
SHBP provides Summary of Benefits and Coverage (SBC) for the following plan options: Health Maintenance Organization (HMO), Health Reimbursement Arrangement (HRA) and High Deductible Health Plan (HDHP). SBCs include standard information that help you to understand, evaluate and compare the Plan Options as you make decisions about which plan option to choose.
The vision plan will be offered through MetLife for 2021, and includes a premium reduction and Costco as an in-network provider.
The Hartford disability plan will have a premium reduction for all plan options.
If you would like to continue your FSA election, an active election is required.
Medical (SHBP): Log on to https://myshbpga.adp.com/shbp. You will likely need to reset your password. Be sure to print and retain your SHBP Confirmation Statement once you have completed your medical enrollment for 2020.
How to Reset Your Password
Step 1: Click Forgot Your Password.
Step 2: Enter your User ID.
Step 3: Follow the instructions to answer a series of security questions*.
Step 4: Create a new password. *
Step 5: Click Continue.
* Note: If you do not know the answers to the security questions, contact SHBP Member Services at 800-610-1863 for assistance in resetting your password. You will have three tries in total to answer the security questions before your account is locked and you must begin the process again.
SHBP Open Enrollment Checklist
► Verify all desired dependents are listed on the Confirmation Page and have a valid Social Security Number (SSN) or other Tax Identification Number (TIN).
► Verify your coverage tier: you only, you + spouse, you + child(ren) or you + family.
► Confirm that the Plan Option selected shown on the Confirmation Page is correct.
► Confirm that you answered the Tobacco Surcharge question appropriately.
► Confirm that you have clicked "Finish".
► Print Confirmation Page and save for your records.
► Look for new medical plan ID cards to be issued by early January.
Voluntary Benefits Open Enrollment Checklist
► Be sure to confirm your email address by phone or online during your enrollment.
► Upon completion of your enrollment, you will receive a local benefits Confirmation Statement via email to the email address on record.
► Review your local benefits Confirmation Statement for accuracy and retain for your records.
► Remember to verify the accuracy of your life insurance beneficiary information.
► Contact the Benefits Service Center if you have any updates or corrections to your voluntary benefits Confirmation Statement.
Note: You may complete enrollment changes multiple times, but the last option confirmed at the close of OE will be your option for 2021 unless you experience a Qualifying Life Event that allows you to make a change.