It’s That Time Again! 2019 Contractor Open Enrollment

Open Enrollment

It’s almost time for Johnson Service Group’s 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 (CHC).

Read all the details below to ensure you select the best choice for your benefit needs!

When is JSG’s Open Enrollment?

JSG’s annual Open Enrollment is November 5, 2018, to November 23, 2018. During this time, employees can add, drop, or make changes to existing coverage or enroll for the first time.

Note: If you don’t make any changes during the Open Enrollment window, your existing CHC coverages will automatically carry over into 2019.

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 24, 2018.

What medical plans are being offered?

Century Healthcare continues to provide five ACA compliant medical plan options:

  • 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/childcare 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 Advantage Plus — Designed to cover only the benefits that the vast majority of the population uses regularly and includes office visit/specialist copays. New to this plan in 2019 is a hospital confinement/ICU component. Preventative care is 100% covered when using an in-network provider.

Century Healthcare offers a package of services and fixed indemnity benefits that pay benefits for specified medical services and is designed to help take care of the basic medical needs of insured employees and their families. These plans pay in addition to any other insurance in force and are not Medicare Supplement plans. All premiums for CHC medical, dental, and vision benefits are deducted from weekly paychecks on a pre-tax basis.

What supplemental coverage is offered?

Century Healthcare oversees all supplemental coverages. Options include MetLife Dental insurance, Davis Vision insurance, The Standard 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!

How do I enroll?

Please call CHC’s Enrollment Center during the Open Enrollment window at (888) 232-9431 between the hours of 7:00 AM and 7:00 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. However, did you know that JSG also has portable major medical insurance available through the Healthcare Solutions Team? There is no waiting period to enroll and these plans are individually tailored to your personal needs! For more information, contact the Healthcare Solutions Team directly at (866) 934-9013.

Don’t forget about the Marketplace Open Enrollment, too! Marketplace Open Enrollment begins November 1, 2018, and ends December 15, 2018.  For more information, check out: www.healthcare.gov/quick-guide/dates-and-deadlines.

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 (MV) Bronze medical benefit through Century Healthcare. FTE employees are defined as those employees who have completed a twelve-month measurement period and have worked a total of at least 1,560 hours. FTE employees will be notified of their status via US mail and email.

Any FTE employee who does not wish to enroll in the MV Bronze plan must submit a signed waiver via fax (630-655-4689) or email (benefits@jsginc.com). 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 the JSG HR Department at: benefits@jsginc.com.