Open Enrollment is Oct. 17-31

Open Enrollment, your once-a-year opportunity to make changes to your benefit plans, starts Oct. 17 and lasts until Oct. 31.

All benefit-eligible teammates should go to the Roper St. Francis Healthcare benefits portal and click “Enroll now” on the right side of the page. All accounts are reset annually, so all teammates should follow these username and password guidelines:

Your username is RSF + your employee number. Example: RSF12345 or RSF54321.

Your password is your Social Security Number (no spaces or hyphens). Example: 123456789

You can enroll any time or anywhere you want until Oct. 31, and you don’t have to use an RSFH computer to enroll. If you have questions, you can call 833-474-7734 Monday through Friday between 8 a.m. and 8 p.m.

Before you enroll, be sure to review the “What’s new for 2019” page to see new enhancements to your benefits or keep reading for more details.

Please make elections or decline benefits in the order they appear; please do not skip around.

What’s new for 2019:

Medical/Dental/Vision Enrollment

RSFH has previously required teammates to actively enroll each year to continue medical, dental and vision coverage.  For 2019, if you do not make any changes during Open Enrollment, your 2018 elections for medical, dental and vision will carry over for 2019.  Your 2018 elections for Health Savings Accounts, Health Flexible Spending Accounts and Dependent Care Flexible Spending Accounts do NOT carry over, so you must continue to actively enroll in these plans if you want to participate in 2019.

– Medical Plan Options

The same excellent medical plans will continue to be offered in 2019:

  • Alliance Prime (traditional copay/co-insurance plan with RSFH network coverage only)
  • Alliance Flex (traditional copay/co-insurance plan with RSFH and BlueCross BlueShield of South Carolina network coverage)
  • Alliance Save (high deductible plan with a Health Savings Account (HSA))
  • Alliance Out of Area(for those who live outside the tri-county area)

Keep in mind that using the Roper St. Francis Health Alliance network of providers always will provide the lowest copays and co-insurance.

– The following providers are joining the Roper St. Francis Health Alliance in 2019:

Charleston Hand Therapy
1483 Tobias Gadson Blvd. 205B, Charleston, SC 29407
8950 University Blvd. Rm 217 North Charleston, SC 29406

Charleston Neuroscience Institute dba Retina Consultants of Charleston
3531 Mary Ader Ave. Bldg D, Charleston, SC 29414
710 Johnnie Dodds Blvd. Suite 315, Mount Pleasant, SC 29464
404 Robertson Blvd. Suite D, Walterboro, SC 29488
9565 Highway 78 Suite 300, Ladson, SC 29456
Daniel Virgil Alfaro III, MD
Eric Jablon, MD
John Kerrison, MD
Kenneth Sharpe, MD 

Moncks Corner Pediatrics
5000 Epson Plantation Dr., Suite B, Moncks Corner, SC 29461
Joseph R West Jr. MD

Newton Family Medicine
1477 Tobias Gadsen Blvd., Charleston, SC 29407
Edward Newton, MD
Lindsey Kettinger, FNP 

Palmetto Digestive
2073 Charlie Hall Blvd, Charleston, SC 29414
1112 N Main St., Summerville, SC 29483
501 Carnes Crossing Blvd. Summerville, SC 29486
Michael Sagatelian, MD
James Schnell, MD
Nabeel Koro, MD
John Litchfield, DO 

The following providers are leaving the Roper St. Francis Health Alliance in 2019:

  • GI Surgical Specialists
  • Lowcountry Orthopaedics
  • Palmetto Adult & Children’s Urology
  • SC Sports Medicine
  • Doctors Care
  • Sabino D’Agostino, DO
  • Jason Highsmith, MD
  • Mike O. Tyler, MD
– 2019 Teammate Contribution Rates

The cost of insurance and healthcare continues to rise and affect employers nationwide, including Roper St. Francis Healthcare. We are committed to taking care of you and your family and will continue to pay the majority of the total cost of your healthcare. Teammates’ contributions for medical premiums will increase slightly for 2019. The overall increase was about 4 percent. This is less than medical inflation, and RSFH did not make any changes to the medical plans to reduce benefits.

Please review the plans carefully for coverage details.

To see a side-by-side comparison of rates, click here.

– Quality Dental and Vision Coverage

We will continue to offer the same high-quality dental and vision with no changes to offerings or cost. To find a Delta Dental PPO or Delta Premier dentist, visit www.deltadentalsc.com. To learn more about the Physicians Eyecare network, visit www.physicianseyecareplan.com.

– New Voluntary Benefits

In 2019, we will be offering a new Critical Illness Plan with the Hartford as well as a Universal Life plan with Transamerica. We no longer will offer the Voya Whole Life or Unum Critical Illness plans.

Exceptional Pharmacy Benefits

Prescription drug coverage will continue to be part of all medical plans, and it will be administered by our new pharmacy benefits manager, Express Scripts, beginning in 2019.  There are no changes to the copayments and co-insurance for the pharmacy benefits, but teammates can expect a few changes highlighted here.

– Express Scripts
Express Scripts will administer our prescription drug benefits. Be sure to show your new ID card at the pharmacy when you fill a prescription on or after Jan. 1, 2019. For more information or to find a retail pharmacy near you, visit http://www.Express-Scripts.com/roperstfrancis or call 1-844-730-1971 during Open Enrollment.

– Formulary
A formulary is a list of medicines that have been reviewed and approved for safety, effectiveness and cost by a panel of doctors and pharmacists. This list is continually reviewed and updated as new medicines become available. This formulary, or preferred drug list, helps keep healthcare costs down for everybody.
Express Scripts has a new formulary. Please note certain medicines may be excluded and therefore not covered due to equally effective and safe alternatives being available. To see if a medication is on Express Script’s formulary drug list, please visit http://www.Express-Scripts.com/roperstfrancis or call 1-844-730-1971 during Open Enrollment. Some medications may require that you try another medication first. For example, if you’re taking a brand name medicine when there is an equally effective, lower-cost generic available, you may be required to try the generic first. Using generics is less expensive for you and Roper St. Francis Healthcare. To learn more, watch the short video at https://bit.ly/2xQKcY0.

– Home Delivery
If you use Magellan Rx Home Pharmacy and have a prescription with open refills, this will automatically be transferred to the Express Scripts Home Delivery Pharmacy. Please note that controlled substances and compound medications are not eligible to be transferred. New prescriptions will need to be obtained for these medications. Don’t forget that after three retail fills, maintenance brand name medications will need to be filled through home delivery.
For more information or to start a new home delivery medication, please visit http://www.Express-Scripts.com/roperstfrancis or call 1-844-730-1971 (after Oct. 17) for more information.

– Accredo Specialty Pharmacy
Accredo® is the Express Scripts Specialty Pharmacy. A specialty pharmacy provides medicine and therapy for patients with serious, chronic conditions such as cancer and rheumatoid arthritis. Beginning Jan. 1, 2019, specialty medications must be filled through Accredo. If you currently receive a specialty medication through Magellan, Bon Secours St. Francis Hospital Pharmacy or the Roper St. Francis Cancer Center and there are open refills, this automatically will be transferred to Accredo. If you have any questions or will be starting a new specialty medication, please visit http://www.Express-Scripts.com/roperstfrancis or call 1-844-730-1971 (after Oct. 17) for more information.

VOLUNTARY BENEFITS

In 2019, we will be offering a new Critical Illness Plan with the Hartford as well as a Universal Life plan with Transamerica. We no longer will offer the Voya Whole Life or Unum Critical Illness plans.

Critical Illness with The Hartford
• The plan will pay a lump sum benefit for a covered person diagnosed with a specified covered illness (including but not limited to cancer, heart attack, stroke, major organ transplants, end stage renal failure, coma, occupational HIV or occupational Hepatitis B or C)
• For some covered illnesses, 100 percent of the coverage amount is payable, and for others, a partial benefit – less than 100 percent of the coverage amount – is payable.
• The benefit can be used however you choose, including expenses related to treatment, deductibles and day-to-day living costs.
• You can elect $15,000 or $30,000 in coverage for yourself.
• Spouse can be covered at 100 percent of the employee’s coverage amount and children can be covered at $10,000/each.
• This is a guaranteed issue policy so you do not have to provide information about you or your family’s health to enroll, but the benefit is subject to a Pre-existing Condition Limitation.

TransElite Universal Life with Transamerica
• TransElite is a permanent life insurance policy that is flexible and portable to meet your needs.
• Flexibility allows you to borrow against the policy’s cash benefit should a challenging financial situation arise.
• Coverage is available for teammates, spouses and children.
• Teammate coverage can be purchased for up to $150,000.

What if I’m currently enrolled in the Voya Whole Life or Unum Critical Illness policies?
• The current Unum Critical Illness and Voya Whole Life policies will continue to be offered through the end of 2018.
• Beginning in 2019, these policies will no longer be offered through RSFH, and payroll deducted premiums will discontinue.
• The Voya Premier Whole Life plan has a portability feature. Farmington has advised RSFH that teammates who are currently enrolled can expect to receive a letter in either late December or early January detailing instructions on porting the coverage on a direct bill basis.
• Unum advised that current participants in their Critical Illness plan will not be eligible to apply for continuing coverage since the policy is closed to new enrollments.

Stay Tuned for More to Come!

Improvements are being considered for the Wellness Works Program for 2019.  We anticipate that you can expect announcements after Open Enrollment but before Jan 1, 2019.

Comments

  1. mary alice meise says:

    I started reenrollment,did not complete it,do not want to make changes for 2019,so am I ok,with not doing any more? THANKYOU,mary.meise@RSFH.com

  2. if I go with Alliance Prime, will I have coverage if I am out of town?

    • The Alliance Prime medical plan provides coverage limited to providers in the RSF Health Alliance Network in the tri-county area; however, if participants in this plan are traveling out of this area and have a medical emergency the plan would cover Emergency Room treatment in the Blue Cross Blue Shield Network as in-network. Additionally, the Blue Care on Demand telehealth program is available to participants of the Prime Plan while out of town.

      Hope this helps.

      Human Resources

  3. I live in South Carolina but not in the tri-county area. Would it be better to get Alliance Out of Area or Alliance Prime? What is the difference between the two plans? Is telehealth available to participants of the Out of Area plan?

  4. judy graham says:

    what is the maximum FSA amount for 2019 that we can do for the year. If I wanted to do the save plan what is the maximum you can put in an HSA per payperiod and how do you go about signing up to do it?

  5. once out of pocket is met for 2019 do we still have to continue to pay co-payments

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