Benefits Changes for 2020

Benefits

Applies to Both the Advantage Plan and Core High Deductible Plan — Effective January 1, 2020

What’s New What This Change Means to You
More Associates Eligible for Lower-Cost Medical Coverage

Associate payroll contributions will be based on the following structure:

Total Eligible Compensation for Year Ending 12/31/2018*

  • Lowest tier: $70,000 and under (was $50,000)
  • Middle tier: Between $70,000 to $140,000
  • Highest tier: More than $140,000 (was $100,000)

*Based on 2018 Eligible Compensation. See Associate Contributions for per period payroll deductions.

Teladoc Behavioral Health

 

Taking care of your mental health is an important part of your overall well-being. In addition to the Employee Assistance Program (EAP) and mental health benefits through BCBSAL, you and your covered dependents (ages 18 and over) now have convenient access to confidential, quality treatment by phone or video.

Choose to see a psychiatrist, psychologist, social worker or therapist and establish an ongoing relationship. A $25 copay will apply. (Deductible applies for Core plan.)

Teladoc does not offer a crisis hotline. Appointments must be scheduled.

Applies to Core High Deductible Medical Plan — Effective January 1, 2020

What’s New What This Change Means to You
Calendar Year Deductible The calendar year deductible will increase to $2,800 per individual on Associate + Spouse, Child(ren) or Family coverage. Other deductibles will remain the same.             

Reminder: The deductible must be met before any services are covered, except for preventive care and preventive medications. (See next item.)

Out-of-Pocket Maximums are now combined In Network/Out of Network: Combined medical and prescription drugs ($6,900 individual; $13,800 family; includes $2,000 individual and $6,000 family medical deductible)
Preventive Medications for Chronic Conditions Certain preventive medications for chronic conditions such as diabetes, high blood pressure, high cholesterol, asthma and heart conditions will be covered with no deductible. The copays based on the drug tier will apply. See the HSA Preventive Drug List for a list of covered medications.
Associate Contributions Core

 

Rates will remain the same for the $70,000 and under salary tier in 2020 but will slightly increase for other tiers.

$70,000 and under per pay period deductions for Tobacco/Vaping Free* associates

  • Associate Only: $25
  • Associate + Child(ren): $75
  • Associate + Spouse/Domestic Partner: $126
  • Associate + Family: $135

See Associate Contributions for all salary tiers.
See Tobacco Surcharge Information.

Applies to Advantage PPO Medical Plan — Effective January 1, 2020

What’s New What This Change Means to You
Associate Contributions

Advantage

Rates will slightly increase in 2020 for the Advantage plan.

$70,000 and under per pay period deduction for Tobacco/Vaping Free* associates

  • Associate Only: $71
  • Associate + Child(ren): $137
  • Associate + Spouse/Domestic Partner: $221
  • Associate + Family: $242

See Associate Contributions for all salary tiers.
See Tobacco Surcharge Information.

 

Applies to Flexible Spending Accounts — Effective January 1, 2020

What’s New What This Change Means to You

FSA Annual Contribution Limit

FSA $500 Rollover Attribute

 

The FSA Annual Contribution Limit will increase to $2,750.


The FSA plan will move from a grace period to a rollover attribute at the end of the 2020 plan year.

Expenses must be incurred by December 31, 2020 and filed by March 31, 2021. Any funds that are unused in your Dependent Day Care FSA or any balance over $500 in your Health FSA are not refundable to you. Any funds over $500 will be forfeited. Therefore, you should estimate your and your family’s expenses carefully. A balance up to $500 in the Health FSA can be carried over and used in 2021 and beyond.

 

Applies to Health Savings Account (HSA) — Effective January 1, 2020

What’s New  What This Change Means to You
HSA Contribution Limit 2020 Contribution Limits
  • Individual: $3,550
  • Family: $7,100

 

Applies to Dental Plan — Effective January 1, 2020

What’s New What This Change Means to You
Associate Contributions
  • Associate Only: $10
  • Associate + Child(ren): $25.50
  • Associate + Spouse/Domestic Partner: $20
  • Associate + Family: $37.50

 

Applies to Basic Life Insurance

What’s New What This Change Means to You
Maximum Benefit Maximum benefit for Basic Life Insurance provided by Regions will increase to $1 million.

 

Need Help?

Contact the HR Connect Team at 1-877-562-8383.