It’s that time of the year again, Johnson Service Group’s (JSG) annual contractor open enrollment. JSG is excited to announce that we will continue to provide five Affordable Care Act (ACA) compliant medical plan options and supplemental benefits (dental, vision, short term disability, and optional life) through Century Healthcare.
Read all the details below to make sure you select the best choice for your benefit needs!
When is JSG’s open enrollment?
JSG’s annual open enrollment is November 7, 2016 to November 25, 2016. During this time, employees can add, drop, or make changes to existing coverage or enroll for the first time.
What date will the benefits selected during this year’s open enrollment be effective?
Any changes or additions made during this time will apply effective December 26, 2016.
What medical plans are offered?
Century Healthcare continues to provide five ACA Compliant medical plan options that all satisfy your individual responsibilities under the ACA.
- MEC Basic — The most affordable way to satisfy your individual responsibilities under the ACA. This plan covers a list of Preventive Services covered at 100% through in-network providers. Some of these services include routine physical exams, annual well women exams, well baby/child care exams, routine lab and x-rays, immunizations, cancer screenings and more.
- MEC Plus (Value, Select and Premier) — The Value, Select and Premier MEC Plus plans have been offered by JSG for several years now. These limited fixed indemnity plans are designed to help take care of the basic medical care needs of insured employees and their families. These plans also cover preventive care at 100% when using an in-network provider.
- MEC Enhanced — Designed to cover only the benefits that the vast majority of the population use regularly, excluding hospitalization. This allows for a cost savings while still receiving a rich benefit for non-hospitalization type services. Preventative care is 100% covered when using an in-network provider.
Century Healthcare offers a package of services and fixed indemnity benefits that pays benefits for specified medical services and is designed to help take care of the basic medical needs of the insured employees and their families. This plan pays in addition to any other insurance in force and is not a Medicare Supplement plan. All premiums for benefits are deducted from paychecks on a weekly pre-tax basis.
What supplemental coverage is offered?
Century Healthcare oversees all supplemental coverage. Options include: MetLife Dental Insurance, Davis Vision Insurance, Short Term Disability Insurance, and Optional Life Insurance. Supplemental coverage is offered “a la carte” style meaning you have the ability to enroll in just one of the options or all of them!
*Note: Century Healthcare will be changing vision providers from VSP to Davis. Employees currently enrolled in VSP will transition to Davis effective December 26, 2016.
How do I enroll?
Call Century Healthcare’s Enrollment Center at (888)232-9431 between the hours of 7:30 AM and 5:30 PM Central Standard Time (Monday – Friday).
Click here for more information on JSG’s plans and for pricing information!
Know all your options!
We’ve told you when JSG’s annual open enrollment takes place and have given you the details, BUT did you know that JSG also has portable major medical insurance available through Healthcare Solutions Team? There is no waiting period to enroll and these plans are individually tailored to your personal needs! For more information, contact Healthcare Solutions Team directly at (866)-934-9013.
Don’t forget about the Marketplace Open Enrollment too! Marketplace Open Enrollment begins November 1, 2016 and ends January 31, 2017. For more information, check out: www.healthcare.gov/quick-guide/dates-and-deadlines.
Affordable Care Act Individual Penalty (refresher!)
The ACA’s individual mandate requires everyone in the United States to have health insurance (unless you qualify for an exemption). If you went without “minimum essential coverage”, for more than three months in 2016, you will likely have to pay a penalty on your tax return.
For tax year 2016, the penalty will rise to 2.5% of your total household adjusted gross income, or $695 per adult and $347.50 per child, to a maximum of $2,085.
For tax year 2017 and beyond, the percentage option is said to remain at 2.5%, but the flat fee will be adjusted for inflation.
Does JSG offer Minimum Value Plans?
Employees considered Full Time Eligible (FTE) as defined by the Affordable Care Act will be eligible for a Minimum Value Bronze medical benefit through Century Healthcare. Full Time Eligible employees are defined as those employees who have completed a twelve-month measurement period and have worked a total of 1,560 hours or more. (Break in service guidance does apply.) FTE employees will be notified of their status via US mail. Any Full Time eligible employee who does not wish to enroll in the MV Bronze plan must submit a waiver via fax (630-655-4689) or email (firstname.lastname@example.org). If you have not received a Full Time Eligible mailing prior to the start of open enrollment and you believe you may be eligible, please contact HR at email@example.com.