Page 7 - HCSC2019EG
P. 7
Important Reminders
5
FULL-TIME AND PART-TIME (30 OR MORE HOURS PER WEEK)
Paid Time Off (PTO) Purchase Program
If you are scheduled to work 20 hours or more per week, you may purchase up to five additional PTO days (40 hours) during open enrollment for use in 2019.
Note: New hires are not eligible to purchase PTO until annual open enrollment.
Plan carefully — you must use your accrued company- provided PTO before your purchased PTO. Enter and get approval for your used purchased PTO hours in myHR by noon on December 15, 2019. Use your time off by:
• HCSC non-exempt employees — use by Dec. 15, 2019
• Dearbornnon-exemptemployees— use by Dec. 14, 2019
• HCSC & Dearborn exempt employees — use by Dec. 22, 2019
If you do not use or get approval for the PTO days you purchased, they will be paid back to you as taxable income on your final paycheck of the year. For more information about PTO, go to myHR.
Health Advocates
Our health advocates can answer your health questions and help you manage many aspects of your health care.
A health advocate can assist with:
• Resolving billing issues
• Providing a cost estimate for services or procedures
• Discussing treatment options provided by your doctor
• Scheduling and coordinating your care
• Understanding your benefits
• Linking you to programs like Consumer Medical, well- being incentives and cost-saving services that help you get the most from your benefits.
To get connected with a health advocate, simply call the number on the back of your insurance card.
Please read the 2019 changes page to review the new call requirements that will be added for 2019.
Flexible Spending Accounts (FSAs)
If you want to participate in a Health Care or Dependent Care FSA in 2019, you must enroll during open enrollment.
Your 2018 FSA election will not automatically continue into 2019 with one exception – any balance of $500 or less remaining in your Health Care FSA will carry over but will not be available for use until April 2019.
Affordable Care Act
Reporting Requirements: We must report to you and the IRS your group insurance plan coverage for the year, including your covered dependents. You can then use this information to help answer questions about health coverage when filing your 2018 tax returns.
Social Security Numbers (SSN): To comply with IRS health coverage reporting requirements, HCSC will collect Social Security or tax identification numbers for every member and dependent enrolled in the group health plan. When you enroll in health coverage, be sure to provide the full legal name, correct spelling and accurate SSN for you and all covered family members.
If you do not provide Social Security or tax identification numbers for every covered family member, we may send you a letter to collect the missing information and remain in legal compliance.
Under the Affordable Care Act, health plans must offer a comprehensive package of items and services, within at least the following ten categories – ambulatory patient services, emergency services, hospitalization, maternity and newborn care, mental health and substance use disorder services - including behavioral health treatment, prescription drugs, rehabilitative and habilitative services and devices, laboratory services, preventive and wellness services and chronic disease management and pediatric services - including oral and vision care.
Will you or a dependent become Medicare-eligible in the next 12 months?
As an active employee, your HCSC medical coverage is your primary coverage and Medicare is secondary. As a retiree, Medicare will be your primary coverage and any other medical coverage, if applicable, will be secondary to Medicare, regardless of whether you actually enroll in Medicare.
Please see pages 19 - 25 for more details.
The Power of Having a Health Advocate 2:17