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Frequently Asked Questions

When is Open Enrollment?

Open/Switch Enrollment is Wednesday, October 5 through Wednesday, October 19, 2022. Benefit elections made during this time will be effective January 1, 2023.

Open Enrollment and Benefits

What is Open/Switch Enrollment?

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

  • Elect another medical plan if you are currently enrolled in THNM. 
  • 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. Healthcare Flexible Spending and Dependent Care Flexible Spending.
  • 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 Open/Switch Enrollment.
  • Please note that no other life insurance or long-term disability insurance enrollments will be accepted during Open/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 except between September 20 through October 31. 
  • 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 except between September 20 through October 31.

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. 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. *If you are currently enrolled in the THNM medical plan and will be enrolling dependents on a new plan option, you must upload the required supporting documentation. 

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. 6 from 7:30 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 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 2022 Benefits Statement, which will be sent to your APS email the last week of September or the first few days of October. Please keep in mind not everyone will receive the email on the same day. The emails are sent in batches because of the size of our employee base. 

Are there changes to the benefits for 2023?

Yes!

True Health New Mexico (THNM) will not be a medical/insurance plan option for 2023. All employees and dependents have complete coverage through December 31, 2022. If you currently have THNM, you must go through the open enrollment process and choose another medical/insurance option for benefits starting January 1, 2023. If you do not engage in open enrollment and choose another medical/insurance plan, you will not have medical benefits starting January 1, 2023.

There are slight premium increases for the medical plans. The dental and vision premiums remain unchanged. 

For 2023, APS will offer three medical plan options — An EPO plan with Presbyterian Health Plan and PPO plans with BlueCross BlueShield and Cigna (see more information below). 

APS is enhancing our dental plans with the addition of Preventive Care Security (PCS) starting January 1, 2023. PCS assures that all members can receive cleanings and diagnostic and preventive dental services each year.

Waiving Coverage or Making Changes

If you wish to participate in one or both of the Flexible Spending Accounts (FSA), you will need to complete the online enrollment using the ASIFlex secure enrollment portal between October 5-19.

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 2023. 

 

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 Open/Switch Enrollment period ends, you will not be able to make a change to your benefits until open enrollment in 2023 for the year 2024, 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 2023?

There are premium increases to the 2023 medical plan options and changes to the maximum copayments for prescription drugs in 2023. There are also enhancements to the dental plans effective January 1, 2023. 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 in 2023 and to learn about the prescription drug and dental plan changes. If you do not wish to change medical/insurance plan options or participate in the Flexible Spending Accounts, you do not need to enroll again.

You will be automatically re-enrolled with your current insurance plan for 2023 except flexible spending. If you want to participate in either or both Flexible Spending Account plans for the calendar year 2023, you must enroll or re-enroll during Open/Switch Enrollment. 

I have reviewed the medical plan options for 2023. I understand that there are premium increases and changes to the prescription drug copayments for 2023. I have decided not to make any changes, do I need to take any other action?

Unless you currently have THNM, you do not need to log in to Wincular to make any elections for 2023.

If you have THNM, you need to engage in open enrollment by filling out the forms given to you in Wincular Workspace and choose another medical/ insurance plan. Emails will be sent to you with links to do this. If you currently have THNM and do not enroll in another plan, you will not have APS medical plan coverage for 2023.

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 5-19.

If you have been enrolled for coverage with Presbyterian Health Plan, Cigna, or BCBS and do not make a new election during the Open/Switch Enrollment period, you will be considered to have made an election to retain the same medical coverage for you and any previously enrolled eligible dependents during 2022. Since there will be changes to the medical plan premiums contributions for 2023, 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 voluntary retirement savings plans be held until after Open/Switch Enrollment. Thank you!

What are the medical plan options for 2023?

Employees will have three medical plan options to choose from for 2023. Each of the medical plans includes prescription drug coverage. 

*Due to THNM exiting the New Mexico marketplace, APS will no longer offer THNM for employees beginning January 1, 2023. All employees and dependents have complete coverage through December 31, 2022. If you currently have THNM, you must go through the open enrollment process and choose another insurance provider for benefits starting Jan. 1, 2023. If you do not, you will not have medical benefits starting January 1, 2023.

The EPO plan with 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 2023.

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, Express Scripts (Pharmacy benefit), Delta Dental, Davis Vision, and ASI-Flex flexible medical/healthcare spending account.

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 2023, you must enroll each year — your 2022 FSA election will not roll over to 2023.

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”.

Attend these webinars through the APS Employee Wellness & Benefits event 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.

APS does not allow employees to submit applications for Additional Life Insurance and Long-Term Disability Insurance during Open/Switch Enrollment. UNLESS 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 requests that questions about Additional Life Insurance, Long-Term Disability Insurance, and voluntary retirement savings plans 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, 2023.

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 $42,500 a year, 70% for employees who make between $42,500 and $54,999 a year, and 60% for employees who earn more than $55,000 a year.