Affordable Care Act and Open Enrollment

Affordable Care Act and Open Enrollment

Our annual open enrollment period is here and runs now through October 31, 2013. This is the time when all eligible full time employees can enroll or make changes to their healthcare plan. This year, with the implementation of the Affordable Care Act, there are understandably a lot more questions and confusion than in previous years. We’d like to help make this process as easy as possible, so here’s some information you need to know.

Remember, due to healthcare reform, all adults are required to have health insurance coverage by 01/01/14!

For most Local 26 members, the easiest to obtain and most affordable coverage available will be the union healthcare plan. If you are already enrolled, and don’t need to make any changes or add any dependents to your plan, you do not need to complete a new enrollment form. You coverage will simply continue into the next year with the new benefit improvements included.

Benefit Improvements:

·         Elimination of the annual cap on medical insurance: The current $100,000 calendar year benefit maximum is replaced with an “unlimited” benefit maximum. The rest of the medical insurance plan (through Cigna) will remain the same.

·         Elimination of the annual cap on prescription drugs: The current $5,000 calendar year benefit maximum is replaced with an “unlimited” benefit maximum. The rest of the prescription drug benefit (through Caremark/CVS) will remain the same.

·         Improved Dental: The current plan pays for services on a “fixed schedule” basis, often leaving us with big bills. The new plan (through Delta Dental) will pay for services on a “percentage” basis, which means less out of pocket costs for you.

·         Vision coverage included: The current plan offers no vision coverage, but starting in 2014 the new benefit for vision care (through Cigna Vision) will include a yearly exam and new glasses or contact lenses once a year.

If you are not currently enrolled, all eligible full time employees should have received an enrollment packet by 10/01/13. If you have not received an enrollment packet, please call the union hall at 855-265-6225.  Your enrollment form must be completed and returned to your company’s human resources department no later than 10/31/13.

Part-time workers, spouses, and others not covered on the union plan: Our union healthcare plan will not offer coverage for part-time workers or spouses, so it is important for you to learn about coverage options available through the “healthcare exchange” which may have subsidies available to help afford the necessary coverage. These and other options will be discussed at our upcoming healthcare fair.

Union Healthcare Fair:If you have any questions about the healthcare benefits through our union, or if you want to sign up for new state programs which may cover part-time workers and spouses who are not covered by our union healthcare plan, come to our Local 26 Healthcare Fair. Saturday October 19: 10am-6pm, Sunday October 20: 12pm-3pm, and Monday October 21: 6am-6pm. The location will be our Local 26 Union Hall located at 706 1st St N, Minneapolis, MN. Please contact Barbara Zeiss 202-730-7548 or or the Local 26 hall at 855-265-6225 if you have any questions about your health care benefits.


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