1. When is Open Enrollment for plan year 2016?
October 12-26, 2015
2. Do I have to enroll?
Do you have to enroll? YES, if you want to: |
Do you have to enroll? NO, if you: |
Change your health insurance plan Elect or keep the employer-funded General Purpose Waiver Health Reimbursement Arrangement (HRA) Elect a Healthcare FSA Elect a Dependent Care FSA NOTE: If you did not complete your LivingWell Promise for 2015: You must enroll online and select either the Standard PPO or CDHP. If you do not, you will be automatically defaulted to the Standard CDHP, single coverage level for 2016.
| Want to keep your current health insurance plan option Currently have and want to keep your employer-funded Waiver Dental/Vision HRA Are a KRS, KTRS, or Legislative/Judicial return-to-work retiree, under age 65 and want to keep your current health insurance plan with your active agency
|
3. How do I enroll if I need to make changes to my plan, elect the Waiver General Purpose HRA, or an FSA?
Online KHRIS ESS: Active employees, KTRS retirees, JRP/LRP and KCTCS retirees may enroll online at
openenrolllment.ky.gov. Paper Application: If you are beginning or ending a cross-reference payment option, adding a disabled dependent covered on your plan, or are a KRS retiree who needs to make changes to your plan, you must complete a paper application and submit it through your insurance coordinator or HR department.
Click
here for more 2016 how to enroll details. Note: If you have the Waiver General Purpose HRA in 2015 and don’t elect to waive coverage or elect a plan in 2016, you will be automatically defaulted to the Standard CDHP, single coverage level for 2016.
4. Who do I call for assistance?
|
KEHP Open Enrollment Hotline | Outside Frankfort
888-581-8834
In Frankfort
502-564-6534
The KEHP phone message will prompt you to choose from one of the following
three options:
Option 1
KHRIS User ID, password, computer & technical assistance
Option 2
Benefit questions for Anthem, CVS or WageWorks
Option 3
KEHP Member Services and Eligibility
** Telephone service at these numbers is only valid Oct. 12-26, 2015. |
Health Insurance Benefits
Anthem Customer Service | 844-402-KEHP (5347)
|
Prescription Benefits
CVS/caremark Customer Service |
866-601-6934
|
FSA & HRA Benefits
WageWorks |
877-430-5519
|
Wellness Information
HumanaVitality |
855-478-1623
|
Shopper Discounts
Vitals SmartShopper |
855-869-2133
|
|
LRP & JRP Retiree Questions |
502-564-5310 |
|
KCTCS Retiree Questions |
859-256-3100 |
KRS Retiree Questions
| 800-928-4646 502-696-8800
kyret.ky.gov |
KTRS Retiree Questions
| 800-618-1687 502-848-8500
ktrs.ky.gov |
5. What are the Open Enrollment customer service hours?
Oct. 12-16/Monday - Friday: 8 a.m. to 6 p.m. ET
Oct. 17 Saturday: 8 a.m. to 1 p.m. ET
Oct. 19-23/Monday - Friday: 8 a.m. to 8 p.m. ET
Oct. 24 Saturday: 8 a.m. to 1 p.m. ET
Oct. 26/Monday: 8 a.m. to 6 p.m. ET
6. When and where are the KEHP Benefit Fairs?
Benefit fairs will be held at 14 locations from Oct. 1 through Oct. 20 with representatives available from KEHP, Anthem, CVS Caremark, WageWorks, HumanaVitality® and Vitals SmartShopper. Free flu shots are available first-come, first-served basis at Franklin, Fayette and Jefferson county benefit fairs. All locations will have online enrollment assistance available for active employees and KTRS retirees under age 65. Click
here for a complete list of benefit fairs.
7. What plan option are available?
• LivingWell CDHP
• LivingWell PPO
• Standard CDHP
• Standard PPO
The LivingWell CDHP and the LivingWell PPO require the planholder to fulfill the
LivingWell Promise
8. What changes can I make during Open Enrollment?
You may enroll yourself and your children and/or spouse in a health plan or waive coverage. You may also enroll in a Healthcare or Dependent Care Flexible Spending Account (FSA). You can also change your tobacco use status. NOTE: You may not remove a dependent from your plan if the child is enrolled per an administrative order, including National Medical Support Orders.
9. Who can I cover on my health plan?
You may cover your legal spouse or dependent child under age 26.
10. Can children under age 26 be covered as dependents on their parent’s plan if they are eligible for their own coverage (e.g., at another job)?
Yes, KEHP has expanded dependent eligibility to include dependents under age 26 who may be eligible for health insurance coverage through their full-time employer. This includes children who are eligible for KEHP as an employee.
11. Can disabled dependents be covered beyond age 26?
A dependent child who is totally and permanently disabled may be covered by KEHP beyond the end of the month in which he/she turns 26, provided the disability (a) started before his/her 26th birthday and (b) is medically-certified in writing by a physician. A dependent child who is not already covered by KEHP at the time of his/her 26th birthday may not later be enrolled in KEHP on grounds of total and permanent disability unless and until he/she sustains a loss of other insurance coverage. In such a case, a request to enroll a dependent child in KEHP on grounds of total and permanent disability must be made no later than 35 calendar days following the loss of other insurance coverage.
Anthem will make all dependent child disability determinations. If a dependent child is approved for coverage in KEHP on grounds of total and permanent disability, the planholder will periodically be required to produce written proof of the continuing nature(s) of the child’s dependency and/or disability in order to maintain the child’s KEHP coverage.
12. Can I waive coverage and not elect a KEHP health plan?
Yes, you may waive coverage. When waiving coverage, you have three options:
• Waive coverage and elect the
Waiver Health Reimbursement Account (HRA). With this option you will receive $175 per month up to $2,100 annually to pay for qualified medical expenses. NOTE: This option is not available to retirees. If you or your spouse or dependent is contributing funds to a Health Savings Account (HSA), you should consult a tax advisor prior to establishing an HRA or FSA.
• Waive coverage and elect the
Dental/Vision Only HRA. With this option you will receive $175 per month up to $2,100 annually to pay for qualified dental and vision only expenses. NOTE: This option is not available to retirees.
• Waive coverage with no HRA. With this option you do not receive any employer funds.
13. What is the cross-reference payment option?
The cross-reference payment option is a legislatively mandated payment option that offers lower employee premiums which are deducted from both employees’ paychecks. Employees must satisfy all requirements to elect the cross-reference payment option.
Requirements:
• The employees must be legally married with at least one eligible dependent;
• The employees must be eligible employees or retirees* of a group participating in KEHP;
• The employees must elect the same coverage option.
Failure to meet any one of the above requirements will make the employees ineligible for the cross-reference payment option.
*Per the Judicial and Legislators Retirement System, retirees of the Judicial Retirement Plan (JRP) and the Legislators’ Retirement Plan (LRP) are not eligible to elect the cross-reference payment option.
14. May I drop a dependent from coverage in the middle of the plan year?
Coverage may only be dropped during the annual open enrollment period or if a member has a qualifying event. A list of qualifying events is included on the
KEHP Enrollment or Change Coverage website
