What We Do
The insurance department coordinates all of our employees’ comprehensive health, vision, dental, and group life insurance needs. The health insurance is offered through the Office of Group Benefits (OGB) and Blue Cross Blue Shield administers most of the health plans offered by the Office of Group Benefits. Vantage administers the Vantage Medical Home HMO plan.
The Office of Group Benefits website is www.groupbenefits.org. This is an invaluable resource with quick links to health plans, health management, OGB newsletters, and reported fraud & abuse. TheOGB telephone number is 1-800-272-8451.
For an insurance appointment, please call 349-8564. Typically, appointments are scheduled on Tuesdays & Thursdays.
Annual Enrollment Is Here
It’s that time of year again to start making elections for the 2020 calendar year. Although we will have a small increase to medical, there will be NO increase to our group dental plan and a slight decrease to vision. Below is a summary of changes and important plan information. Don’t miss your opportunity to restate your benefits, make changes, or enroll in our supplemental plan options. Open enrollment begins October 1-November 15, 2019
SUMMARY OF EMPLOYEE BENEFITS/CHANGES
Office of Group Benefits Changes
- No plan design changes to any of the medical plans offered
- Members enrolled in Magnolia Local, Magnolia Local Plus, Magnolia Open Access, and Pelican HRA 1000 have exclusive access to primary care services through a participating Access 2Day Health Clinic at no cost. Go to com for more information
- OGB will not be mailing booklets to active employees. An electronic version is available as a quick link.
All medical changes must be processed through Human Resources. Please contact our insurance department at 504-349-8564 to schedule an appointment today. Additional documentation may be required when adding a dependent to your medical plan. OGB will allow enrollment changes from October 1- November 15, 2019. No changes will be made after the open enrollment period expires.
- No plan changes to the existing Guardian PPO plan
- Each covered member has a $1,500 annual maximum. Orthodontia is covered at $1,000 lifetime maximum
- Late entrant rules may apply to employee and/or dependents being added after the initial enrollment opportunity. Children under the age of 3 may be added without being considered a late entrant
- No plan changes to the existing Davis Vision Plan- offers coverage for routine eye exams and glasses or contacts; slight decrease in premium
Supplemental Life Insurance
- A new life insurance with a Long Term Care rider will be offered at annual enrollment. Participants may use half the face value of the insurance for long term care expenses.
- Cigna offers group life coverage for employees at 1, 2, or 3 times your annual salary. If you purchase additional coverage for yourself, you can also purchase coverage for a spouse and/or dependent children. Employees currently enrolled can elect one step in coverage without having to go through medical underwriting
- The Office of Group Benefits offers additional life insurance through Prudential. You can purchase a Basic Life policy of $5,000 or elect up to $50,000 for Supplemental life. Employees between the ages of 41-65 will have a rate increase; all other age bands will remain the same. You may enroll in this coverage by contacting our Insurance Department
- Colonial Insurance will be offering Universal Life and Whole Life Insurance options
Health Savings Account (HSA), Flexible Spending Account (FSA) and Dependent Care Account (DCA)
- Employees must make an election annually for the HSA, FSA, and DCA. These are pre-tax elections
- Employees in Pelican HSA may contribute up to $3,550 as in individual and $7,100 for family
- Employees may contribute up to $2,500 in the FSA and $5,000 in the DCA
Other Election Options
- Accident, Cancer, Critical Illness, and Hospital Indemnity is offered through Colonial Insurance
- Short Term Disability and Long Term Disability coverage is available through Cigna Insurance and is a guarantee issue for any employee wishing to enroll during open enrollment (no medical questions asked)
- Voya will be available to assist in enrolling in additional retirement funding options (403b and 457b plans)
- Legal Shield is offering Identity Theft Protection and legal service options to all employees
YOUR RESPONSIBILITIES DURING OPEN ENROLLMENT
All employees are strongly encouraged to meet with an enroller, even if you are not making any plan changes.
Employees making changes to medical, OGB Life, and those enrolled in the Pelican H.S.A. will participate in a two-part process: The employee will meet with an enroller and then follow-up with Human Resources to complete the appropriate OGB paperwork. Both steps must be completed by November 15, 2019.
NOTE: After open enrollment, you cannot make changes to your coverage during the year unless you experience a change in family status, such as:
- Loss or gain of coverage through your spouse/ Loss of eligibility of a covered dependent
- Death of your covered spouse or child
- Birth or adoption of a child
- Marriage or divorce
You have 30 days from a change in family status to make changes to your current coverage
Insurance Coverage Changes and Revocations
For Pre-Tax deductions, once you elect an insurance option, you can only change that option during the Annual Enrollment or Open Enrollment period unless you meet a qualifying event/family status change. You must contact the JPPSS Insurance Team and complete the benefit change within thirty (30) calendar days of the qualifying event or family status change. Qualifying events/family status changes include:
- Getting married, divorced, or legally separated
- Birth, adoption, or placement of adoption of an eligible child
- Death of your covered spouse or child
- Change in your or your spouse’s work status that affects benefits eligibility (for example: starting a new job or leaving a job)
- A change in your child’s eligibility for benefits
- Becoming eligible for Medicare or Medicaid
- A significant change in your spouse’s health coverage attributable to your spouse’s employment
Adding Newborns and Adopted Children to Insurance Coverage
- To add a newborn as a dependent on your medical insurance coverage, you must provide the JP Schools insurance department with a birth certificate or a copy of the birth letter within 30 days of the child’s birth date. The birth letter will suffice as proof of parentage only if it contains the relationship of the child to the JPPSS employee with the medical insurance. If the birth certificate or birth letter is not received within 30 days, the child cannot be added until the next annual enrollment period. To schedule an appointment with the JP Schools insurance team, please call 504-349-8564.
- To add an adopted child, you must provide the insurance department with legal adoption papers within 30 days of the child’s adoption date. To add a child placed for adoption with you, you must provide the insurance department with the adoption placement agreement or an act of surrender and Clerk of Court certification in compliance with La.R.S. 22:1004 within 30 days of the child’s placement for adoption with you. If these legal adoption papers are not received within the 30-day timeframe, enrollment cannot take place until the next annual enrollment period, unless you experience another qualified life event that supports the addition of the child to the plan. To schedule an appointment with the JPPSS insurance team, please call 504-349-8564.
- While OGB will need the social security card for every person on the plan, the social security card is not a requirement for initial enrollment for a newborn or adopted/placed child. Please remember to send the JPPSS insurance department the social security card upon receipt, preferably within 90 days of the birth/adoption.