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You are here: APS Home Human Resources Benefits Open/Switch Enrollment 2012

Open/Switch Enrollment 2012

— filed under:

Dates and Times:

October 23 – 30, 2012
7:30 a.m. – 5:00p.m.

APS Employee Health Fair
October 24 - 25, 2012
10:00 a.m. - 6:00 p.m.

Where:

APS City Center Conference Center
6400 Uptown Blvd. NE,  Albuquerque, NM 87110
West Tower First Floor

What:

  • Get useful information from your health benefits providers!
  • Switch enrollment options with an APS Benefits specialist!

Switch/Open Enrollment is your annual opportunity to:

  • Make changes to your benefits elections
  • Enroll in a benefit plan you are not already enrolled in
  • Add eligible dependents to your insurance plans
  • Change your beneficiaries on your life insurance coverage.

Open Enrollment allows employees to enroll into a benefit plan they may not have already enrolled in. It is Open Enrollment for:

  • Dental Insurance
  • Vision Insurance
  • Flexible Spending Accounts (Health Care Flexible Spending Account and Dependent Care Flexible Spending Account)
  • Pre-Tax Insurance Premium Plan (PIPP)

Late enrollment is allowed into all medical plans but an 18-month pre-existing condition exclusions will apply. (Pre-existing conditions limitation does not apply to pregnancy, newborns, newly adopted children, and children under age 19  in compliance with the Patient Protection and Affordable Care Act).  This 18-month pre-existing condition exclusion period could be reduced if you had prior health coverage and have not been without coverage for 95 days or more.

You may add/drop eligible dependents to coverage you currently have (includes legally married spouse, domestic partner, and dependent children (married, unmarried under age 26 – applies to medical coverage only), and/or start or stop pre-tax premium deductions (PIPP) Special rules apply.

IMPORTANT NOTICE:  IT IS OPEN ENROLLMENT FOR DENTAL AND VISION COVERAGE.

The Two-year Lock-in Dental and Vision Rule

Late enrollment is not allowed for APS dental coverage unless you involuntarily lose other dental or vision coverage or you enroll during the annual Switch/Open Enrollment period held in October each year.  As a safeguard to protect adverse utilization of the dental and vision plans, once enrolled for dental and vision, you may not drop or switch dental plan options until you, and each of your covered dependents, have been enrolled for two years.  Unless you experience a change of status due to a qualifying event, your next opportunity to enroll for dental and vision coverage will take place at the next Open/Switch Enrollment in October 2013 for coverage effective January 1, 2014. You have 60 days from the date of the occurrence of the following special events:

  • You suffer an involuntary loss of coverage because coverage of your spouse/domestic partner or dependent child under another plan is terminated as a result of divorce, death, termination of employment, reduction in hours, legal separation, or termination of employer contributions.
  • You get married
  • A child is born to you or your spouse/domestic partner
  • You adopt a child or a child is placed for adoption in your family

Click here for more information

Frequently Asked Questions (FAQ)

General

What is Switch/Open Enrollment?
Switch/Open Enrollment is your annual opportunity to make changes or enroll into a benefit plan you may not have already enrolled in. During Switch/Open Enrollment, you can also add eligible dependents to your insurance plans and/or change your beneficiaries on your life insurance coverage.

What benefits can I elect during Open Enrollment?
Open Enrollment allows employees to enroll into a benefit plan they may not have already enrolled in. It is Open Enrollment for:

  • Dental Insurance
  • Vision Insurance
  • Flexible Spending Accounts (Health Care Flexible Spending Account and Dependent Care Flexible Spending Account)
    Please note that if you're currently enrolled, you must re-enroll annually!
  • Pre-Tax Insurance Premium Plan (PIPP)

What benefits can I change during Switch Enrollment?
Switch Enrollment provides employees the opportunity to:

  1. Switch their current medical plan coverage - Switch from Lovelace to Presbyterian or Switch from Presbyterian to Lovelace
  2. Switch plan options: High Option Plan to Low Option Plan or Low Option Plan to High Option Plan
  3. If currently enrolled for Dental coverage for two years – Switch from Comprehensive Dental Plan to Basic Dental Plan
  4. If currently enrolled for Dental Coverage for two years – Switch from Basic Dental Plan to Comprehensive Dental Plan

Please note, in order to take advantage of the Switch Enrollment option, you must be currently participating in one of the APS medical or dental plans offered.

How do I enroll?

  1. Review the Switch/Open Enrollment Information, which was delivered to all work-site locations starting October 10, 2012, and is posted on this page.
  2. Review the Employee Benefit Selection Statement (delivered to your work-site location in September 2012). Please remember to bring your Benefits Selection Statement to assist you with any possible plan changes/additions effective January 1, 2013 to Switch/Open Enrollment on October 23-30, 2012.

What do I need to bring with me?

  • Your Social Security Number (SSN) is required to meet the requirements of the Mandatory Insurer Reporting Law (Section 111 of Public Law 110-173) for purposes of coordination of benefits for all insured members (employee, spouse/domestic partner and dependent children) to the Centers for Medicare and Medicaid Services (CMS).
  • Marriage Certificate required to add spouse
  • Birth Certificate or legal document provided by a court is required to add/enroll a child
  • If spouse or child is already enrolled in an APS plan no Marriage/Birth Certificate needed
  • Notarized affidavit needed to add domestic partner or child of domestic partner
  • Evidence of financial responsibility needed  to add domestic partner

Who’s Eligible?
An eligible employee includes all full-time employees who regularly work 30 hours or more per week and/or part-time employees currently enrolled for benefits who work at least a .45 FTE or greater.

What are the plan design changes effective January 1, 2013?

    To be determined pending board approval.

Will the contribution rates for medical, dental and vision coverage increase on January 1, 2013?

To be determined pending board approval.

Life Insurance

Can I enroll for Life Insurance During Switch/Open Enrollment?

Eligible employees who did not enroll for Life Insurance coverage when first hired or first eligible, may apply for coverage at any time by completing an Evidence of Insurability (health questionnaire) form.  The form will be sent to Standard Insurance Company for medical underwriting.  Standard Insurance will approve or deny the request.

Long Term Disability

Can I enroll for Long Term Disability Insurance during Switch/Open Enrollment?
Eligible employees who did not enroll for Long Term Disability coverage when first hired or first eligible, may apply for coverage at any time by completing an Evidence of Insurability (health questionnaire) form. The form will be sent to Standard Insurance Company for medical underwriting.  Standard Insurance will approve or deny the request.

Flexible Spending Account

What is a flexible spending account?
A Flexible Spending Account (FSA) is a tax-free account that allows you to pay for essential health care expenses that are not covered, or are partially covered, by your medical, dental and vision insurance plans; or pay for child/dependent care expenses.  By contributing a portion of your payroll dollars into your FSA on a pre-tax basis, you can save from 25% to 40% on the cost of eligible expenses you are already experiencing.  Learn more >>

What is changing this year?
Nothing is changing -- our flexible spending account plan is the same this year as it was last year. However, if you currently have a flexible spending account and would like to continue to have it next year, you must re-enroll during Switch/Open Enrollment 2012.

When can I enroll for a flexible spending account?
Switch/Open Enrollment 2012 is your chance to enroll for a flexible spending account.

I already have a flexible spending account. Do I need to do anything?
Yes. All current FSA Participants need to fill out a new Flex Spending Account Enrollment form during Switch/Open Enrollment 2012.

Pre-tax Insurance Premium Plan (PIPP)

What is PIPP?
The PIPP plan deducts your medical, dental and vision premiums from your pay BEFORE TAXES are calculated and deducted.  Reducing your taxable income increases net take home pay. Learn more >>

What is changing this year?
Nothing is changing -- our PIPP plan is the same this year as it was last year.

I don't want to participate in PIPP. What should I do?
Switch/Open Enrollment 2012 is your chance to opt out of PIPP.

I already have a PIPP account. Do I need to do anything?
No, you are already enrolled and do not need to re-enroll.

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