Personal tools

Frequently Asked Questions

When is Open Enrollment?

Open/Switch Enrollment is Wednesday, October 6 through Friday, October 15, 2021. Benefit elections made during this time will be effective January 1, 2022.

Open Enrollment and Benefits

What is Switch/Open Enrollment?

Switch/Open Enrollment is the period of time each fall during which eligible employees may elect, for the employee and eligible dependents, to:

  • Enroll in one of the medical, dental, and/or vision plans offered by APS
  • Enroll in one or both of the Flexible Spending Account plans
  • Add or drop eligible dependents on the medical, dental, or vision coverage (2-year lock-in rule applies to dental and vision coverage)
  • Change medical, and/or dental plan options (2-year lock-in rule applies to dental coverage)
  • If you are currently enrolled for Additional Life Insurance and wish to enroll your child or children for Dependent Life Insurance, that must be done during Switch/Open Enrollment.
  • Please note that no other life insurance or long-term disability insurance enrollments will be accepted during Switch/Open Enrollment this year. If you are not currently enrolled in Additional Life Insurance or Long-Term Disability Insurance, you may apply for these products (subject to Evidence of Insurability), at any time during the year other than Switch/Open Enrollment.
  • If you currently have Additional Life Insurance and want to apply for more coverage, or apply for spouse life insurance, you may do at any time during the year other than Switch/Open Enrollment (subject to Evidence of Insurability).

How do I enroll or make changes?

Enrollment will be online using the Winocular Workspace system, which is the same system you use to renew your contract each year. The Benefits Department will not be accepting paper enrollment or change forms this year. However, detailed instructions, webinars, and other assistance will be available to help employees through the online enrollment process.

If you will be adding an eligible dependent to your medical plan, dental plan, vision plan, or existing Additional Life Insurance during Switch/Open Enrollment, you will need to submit supporting documentation (marriage certificate to add a spouse, birth certificate(s) to add a child or children, completed Domestic Partner Affidavit and required documents to add a qualified domestic partner.

What if I don't have a computer to enroll or I need help enrolling?

If you need assistance enrolling or making a change to your benefits, the Benefits Department will be hosting an employee wellness fair on Thursday, Oct. 7 from 8 a.m. to 3:30 p.m. Laptop stations and enrollment assistance from our Benefits Specialists will be available. To allow for plenty of parking and social distancing, this event will be held at the Berna Facio Professional Development Center (southwest corner of Louisiana and Comanche NE).

If you will be adding an eligible dependent to your medical plan, dental plan, vision plan, or existing Additional Life Insurance during Switch/Open Enrollment, be sure to bring supporting documentation with you when you come to the Berna Facio building for enrollment assistance (marriage certificate to add a spouse, birth certificate(s) to add a child or children, completed Domestic Partner Affidavit and required documents to add a qualified domestic partner.

How do I know what benefits I am enrolled for currently?

Review your 2021 Benefits Statement, which will be sent to your APS email the last week of September.

Are there changes to the benefits for 2022?

The quick thing first: There will be no carrier or plan design changes. There are slight premium increases for medical plans. Dental and vision remain unchanged. 

For 2022, APS will offer four medical plan options — EPO plans with Presbyterian Health Plan and True Health New Mexico, and PPO plans with BlueCross BlueShield and Cigna Healthcare (see more information below). There were significant changes to the plan designs for 2021, and there will be slight premium increases for 2022.

Waiving Coverage or Making Changes

If you wish to participate in one of both of the Flexible Spending Accounts (FSA), you will need to complete that online enrollment using the ASIFlex secure enrollment portal between October 6-15.

Can I waive medical plan coverage and other APS benefits?

Yes, if you do not actively enroll for benefits (or have not done so in the past), then you will not be covered. If you have waived coverage in the past, that election will continue for 2022.

What if I decide to make a change after I've submitted my enrollment?

Please carefully consider your options before you submit your enrollment in Winocular-WorkSpace. Once the Switch/Open Enrollment period ends, you will not be able to make a change to your benefits until open enrollment in 2022 for the year 2023, unless you qualify for Special Enrollment or have a mid-year change event.

I was hired in the last few months and just signed up for benefits as a new hire. Do I have to enroll again for 2021?

There were significant changes to the 2021 medical plan options, including the addition of a new carrier, changes to the plan design (including the amount you will pay at the time you receive care, and where you can receive care), and premium increases. We highly recommend that all benefit-eligible employees attend at least one of the webinars to determine if they wish to continue with their current medical plan carrier in 2022. If you do not wish to change carriers or participate in the Flexible Spending Accounts, you do not need to enroll again. You will be enrolled on the new plan design with your current carrier for 2022.

I have reviewed the medical plan options for 2022. I understand that there are changes to the plan and premium increases for next year. I have decided not to make any changes, do I need to take any other action?

No, you do not need to log in to WinOcular to make any elections for 2022.

If you wish to participate in one of both of the Flexible Spending Accounts (FSA), you will need to complete that online enrollment using the ASIFlex secure enrollment portal between October 6-15.

If you have been enrolled for coverage and do not make a new election during the Switch/Open Enrollment period, you will be considered to have made an election to retain the same medical, dental, vision, additional life insurance, and long-term disability coverage you and any previously enrolled eligible dependents had during 2021. Since there will be changes to the medical plan design (including the amount you will pay at the time you receive care, and where you can receive care), and to the medical plan premium contributions for 2022, you will be considered to have elected those changes to the plan design and premium contributions for the new plan year.

Medical Plan Options

Due to the heavy volume of work this time of year, the Benefits Department would appreciate that questions about Additional Life Insurance, Long-Term Disability Insurance, and the voluntary retirement savings plans could be held until after Open/Switch Enrollment. Thank you!

What are the medical plan options for 2022?

Employees will have four medical plan options to choose from for 2022. Each of the medical plans includes prescription drug coverage.

EPO plans with True Health New Mexico and Presbyterian Health Plan will offer in-network only benefits. These plans feature slightly higher premiums with less out-of-pocket costs at the time of service. (EPO means Exclusive Provider Organization, which means that employees who elect these plans will need to access all medical care, except emergencies and out-of-state urgent care, from providers contracted with the health plan they select.)

PPO plans with BlueCross BlueShield and Cigna Healthcare will offer in-network and out-of-network benefits. These plans feature slightly lower premiums with more out-of-pocket costs at the time of service. (PPO means Preferred Provider Organization, which means that employees who elect these plans will have the option of receiving care from any licensed medical provider, however, will save money if they utilize providers contracted with the health plan they select.)

More specific information, including a chart that shows a comparison of benefits between the plans, is available on APS Human Resource Benefits page.

Prescription drug coverage is included with each of the medical plan options. For most of our employees, there will be no changes to the prescription drug plan for 2022.

Remember that our prescription drug plan is a coinsurance plan; if the cost of the drug you or a family member is taking increases (or moves from preferred formulary to non-preferred formulary) your cost may increase. Refer to the Express Scripts Summary of Benefits for more information on the APS Human Resource Benefits page.

For employees and their family members who are taking one of approximately 80 specialty medications in 13 therapy classes, APS is continuing the SaveOnSP program. SaveOnSP is a copay offset savings program, which will reduce copays for the select group of specialty drugs for members

How will I know which medical plan option is right for me?

The medical plan best for you and /or your family is a very personal decision. Your choice may be based on how much health care you and your family members expect to need, family circumstances and finances, whether you have a current doctor or specialist you would like to continue to see or have a preferred hospital, and other factors. To assist our employees in making this decision, we strongly suggest employees attend the webinars we will be offering. The webinars will include an overview of the plans as well as specific health carrier webinars hosted by BlueCross BlueShield, Cigna Healthcare, Presbyterian Health Plan and True Health New Mexico.

What other elections do I need to make during Open/Switch Enrollment?

If you wish to participate in the Health Care Flexible Spending Account (HCFSA) or Dependent Care Flexible Spending Account (DCFSA) in 2022, you must enroll each year — your 2021 FSA election will not roll over to 2021.

The Employer Code for FSA Online Enrollment is “APS”

Enrollment for the FSA will be online; the Benefits Department will not be accepting any paper enrollment forms. We will be hosting a webinar on “How to enroll online using the Winocular-Workspace system”.

Sign-up for these webinars through the Open Enrollment Google Calendar. The webinars will be presented through Google Meet on Monday, Oct. 5, and Tuesday, Oct. 6. Please attend one of these webinars, or watch the tutorial when it becomes available.

What elections can I make any time?

You may apply for Additional Life Insurance and Long-Term Disability Insurance anytime during the year, except as noted below.

Usually, APS allows employees to submit applications for Additional Life Insurance and Long-Term Disability Insurance during Open/Switch Enrollment. Due to circumstances brought about by the Coronavirus pandemic, that will not be the case this year. If you are currently enrolled for Additional Life Insurance and wish to enroll your child or children for Dependent Life Insurance, that must be done during Open/Switch Enrollment. However, if you are not currently enrolled in Additional Life Insurance or Long-Term Disability Insurance, you may apply for these products (subject to Evidence of Insurability), at any time during the year other than Open/Switch Enrollment.

If you currently have Additional Life Insurance and want to apply for more coverage, or apply for spouse life insurance, you may do at any time during the year other than Open/Switch Enrollment (subject to Evidence of Insurability).

Due to the heavy volume of work this time of year, the Benefits Department would appreciate that questions about Additional Life Insurance, Long-Term Disability Insurance, and the voluntary retirement savings plans could be held until after Switch/Open Enrollment. Thank you!

When do the benefits I choose during Open/Switch Enrollment begin?

Benefits you elect during Open/Switch Enrollment in October will begin January 1, 2022.

How do the salary-based payroll premiums work?

Employee premiums are based on your total annual salary. Premiums vary because APS pays 80% of the total premium for employees who make less than $39,500 a year, 70% for employees who make between $39,500 and $44,999 a year, and 60% for employees who earn more than $45,000 a year.