Open Enrollment is happening NOW

We are pleased to provide affordable benefit options that meet the needs of you and your family. We hope that you take full advantage of these benefits as part of your total rewards package.

We encourage you to learn more about our 2020 benefits to make the best decisions for you and your family during Open Enrollment for 2020.

OPEN ENROLLMENT

Open Enrollment will be Oct. 17-31.

HOW TO ENROLL: All benefit elections must be submitted online through www.rsfbenefits.com. Your username is “RSF” plus your employee number (ex. RSF00000) and your password is your Social Security Number with no dashes (ex. 000000000). You also can download the Benefitfocus app to complete your enrollment on your mobile device. Use the code “RSFBenefits.”  Enrolling by telephone is NOT an option.

IMPORTANT: Your 2019 elections for Health Savings Accounts, Health Flexible Spending Accounts and Dependent Care Flexible Spending Accounts do NOT carry over, so you must actively enroll in these plans if you want to participate in 2020. If you do not make changes to your 2019 elections for medical, dental, vision, disability, supplemental/dependent life insurance, critical illness and universal life insurance, your current elections will carry over for 2020. We also have a new accident insurance plan for your consideration.

WATCH THIS OPEN ENROLLMENT VIDEO

If you want to learn more about Open Enrollment, watch this video.

ENROLL ON YOUR PHONE

Download the Benefitfocus app from Google Play or the Apple App store. Enter the company ID: RSFBenefits. Login using your Benefitfocus username and password. For first-time users, your username will be RSF + Employee ID (example: RSF00000) and your password will be your Social Security Number (123456789).

WELLNESS WORKS STATUS

Your 2019 Wellness Works status is viewable in myHR. Log in, then click “My Profile,” and your 2019 Wellness Works status is shown in the “Personal Information” section.

MEDICAL (Administered by BlueCross BlueShield or BCBS)

There are no plan changes to the medical plans for 2020.  The following medical plans continue to be offered:

  • Alliance Prime (copay plan with RSFH network only coverage)
  • Alliance Flex (copay plan with RSFH network and BCBS network coverage)
  • Alliance Save (high deductible health plan with a Health Savings Account)
  • 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  will ensure the lowest copays and co-insurance. But if you have dependent(s) who live outside of the Tri-County area, you will want to enroll in a plan that has other network options available, too.

To view 2020 changes to the RSF Health Alliance Network, go to www.rsfbenefits.com, click on “Find an RSFH Network Provider,” then “2020 Providers Joining RSFHA.” There are no providers leaving the network in 2020.

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. The medical teammate contribution increase was consistent with medical inflation, and RSFH did not make any changes to the medical plans to reduce benefits.

If you are continuing medical coverage from 2019, you can continue to use your current medical ID card in 2020. If you have a name or address change or are making a coverage level change, you will receive a new medical ID card in the mail. If you elect coverage for the first time in 2020, you will receive a medical ID card in the mail.

FLEXIBLE SPENDING ACCOUNT/HEALTH SAVINGS ACCOUNT (Administered by McGriff Insurance Services – Previously known as SHDR)

Your 2019 elections for Health Savings Accounts (HSA), Health Flexible Spending Accounts and Dependent Care Flexible Spending Accounts do NOT carry over, so you must actively enroll in these plans if you want to participate in 2020.

The IRS has increased the HSA contribution limits modestly for 2020.  The annual limit on HSA contributions will be $3,550 for teammate only coverage and $7,100 for family coverage. Catch-up contributions for those ages 55 or older remains $1,000.

The maximum contribution limit for Health Flexible Spending Account for 2020 will be $2,700. The maximum contribution limit for Dependent Care FSA remains $5,000.

PHARMACY (Administered by Express Scripts)

There are no changes to the pharmacy plan design, and Express Scripts will continue to be the pharmacy benefit manager.

Formulary changes, or the list of covered prescription drugs, for Jan. 1 are expected to impact less than 1 percent of our teammates and their dependents. Those who are impacted will receive direct communication from Express Scripts in advance of Jan. 1. The formulary continues to cover more than 92 percent of all available products. The formulary exclusions and preferred alternatives can be viewed here.

If you are continuing coverage from 2019, you can continue to use your current pharmacy ID card in 2020. If you elect coverage for the first time in 2020, you will receive a pharmacy ID card in the mail.

DENTAL (Administered by Delta Dental)

For 2020, we are streamlining our dental plan by offering only one plan that will include orthodontia. This Silver plan has been enhanced to increase the annual maximum coverage limit from $1,000 to $1,250. The dependent maximum age for orthodontia also is increasing from 19 to 26.  Even with these plan enhancements, the teammate premium contributions are not increasing for the Silver plan.

If you elected the White plan in 2019, you automatically will be enrolled in the Silver plan for 2020 unless you actively decline dental coverage during Open Enrollment.

To find a Delta Dental PPO or Delta Premier dentist, visit www.deltadentalsc.com.

If you are continuing coverage under the Silver plan for 2020, you can continue to use your current dental ID card. If you are electing dental coverage for the first time in 2020 or you were covered under the White plan in 2019 and are continuing dental coverage in the Silver plan for 2020, you will receive a dental ID card in the mail.

VISION (Insured by Physician’s Eyecare Plan)

There are no changes to the vision plan design or premiums. To learn more about the Physicians Eyecare network, visit www.physicianseyecareplan.com.

If you are continuing coverage from 2019, you can continue to use your current vision ID card in 2020. If you elect coverage for the first time in 2020, you will receive a vision ID card in the mail.

VOLUNTARY BENEFITS

RSFH will continue to offer Critical Illness with The Hartford and a Universal Life plan with Transamerica. In addition, there is a new Voluntary Accident Insurance Benefit plan through The Hartford. Accident Insurance provides benefits when injuries occur as the result of a covered accident. You can use the benefit payment in any way you choose – from expenses not covered by your medical plan to day-to-day costs of living such as the mortgage or your utility bills. You have a choice of two accident plans, a “low” and a “high” plan, which allows you the flexibility to enroll for the coverage that best meets your needs. If you do not make changes to your 2019 elections for critical illness and universal life insurance, your current elections will carry over for 2020.

LIFE INSURANCE/ACCIDENTAL DEATH & DISMEMBERMENT BENEFITS

There are no plan design changes for basic life insurance and accidental death and dismemberment benefits. These benefits continue to be made available at no cost to you. If you do not make changes to your 2019 elections supplemental/dependent life insurance, your current elections will carry over for 2020.

DISABILITY BENEFITS

There are no changes to short-term or long-term disability benefits or premiums. If you do not make changes to your disability insurance, your current elections will carry over for 2020.

QUESTIONS?

Contact the HR Benefits Team at HRBenefitsTeam@rsfh.com or 843-720-8400 (opt. 2).

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