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Insurance

Health Insurance

Annual Enrollment is the time of year when employees / retirees can make changes to their insurance plans. There are 2 enrollment periods this year.  Plan changes are effective date of January 1, 2020.  Members enrolled in Flexible Spending (Diversified Benefits Services) or the Pelican HSA 775 plan must update their contributions for 2020.  

It is recommended that employees review their current coverage, make any changes (if necessary) and complete the open enrollment event  in Workday by the deadlines listed below.  Please reference the Workday Annual Enrollment Job Aid. Retirees should submit all change forms to the LSUS HR Department by the designated annual enrollment deadlines. Submitting information directly to OGB may delay processing and result in incorrect insurance deductions.

2020 ANNUAL ENROLLMENT PERIODS

Insurance Plans

Start Date

Deadline

Effective Date of change

All insurance plans (Active employees)

October 1, 2019

November 15, 2019

January 1, 2020

OGB Medicare Advantage Health Plans

October 15, 2019

December 7, 2019

January 1, 2020


The standard health plans available for the 2020 plan year are follows.

LSU Plan

Administrator

LSU First Health Plan (Option 1)  lower deductible

WebTPA (Claims administrator), AETNA and Verity Healthnet (provider networks)

OGB Plans

Administrator

Vantage Medical Home HMO

Vantage

Pelican HRA 1000

Blue Cross Blue Shield 

Magnolia Local

Community Blue and Blue Connect

Magnolia Local Plus

Blue Cross Blue Shield of LA

Magnolia Open Access

Blue Cross Blue Shield of LA


The Medicare Advantage health plans available for the 2020 plan year are follows:

Medicare Advantage Plans

 LSU First Medicare Retiree Plan (United Healthcare)

Vantage Health (Vantage Premium HMO –POS; Vantage Standard HMO-POS, Vantage Basic HMO - POS)

People's Health

Humana

Blue Advantage

Via Benefits*

*Note: Via Benefits is a private Medicare exchange plan with HRA credits of $200 to $300 per month.  Plan members can visit: https://medicare.oneexchange.com/ogb or call 1-855-663.4228 to speak with a licensed Medicare representative to learn about different plan options.  Retirees must be careful to elect only OGB affiliated plans.

Health Insurance Plans Forms and Resources
Click here to view the Workday Open Enrollment Job Aid 
Click here to view Health Insurance Comparison Chart
Click here to view Health Insurance Premiums (actives)
Click here to view Health Insurance Premiums (retirees)
Click here to view a summary of annual enrollment changes
Click here to view the 2020 Annual Enrollment Guide 

Office of Group Benefit Health Plans
Office of Group Benefits Customer Service
: 1.800.392.4089
Websitewww.groupbenefits.org 
Office of Group Benefit Health Plans:  Magnolia Local, Magnolia Local Plus, Magnolia Open Access, Pelican HSA 775, Pelican HRA 1000, Vantage Medical Home and the Retiree Medicare Advantage plans.
Claims Administrator:  Blue Cross / Blue Shield of Louisiana, Vantage (Vantage Medical plan only)
Search for in-network providers: https://www.bcbsla.com/ogb

Learn about Office of Group Benefit Health Plans
1) Enrollment Guide: Please click here to review the enrollment guide.  This is a great resource!
2) Office of Group Benefits Website: http://annualenrollment.groupbenefits.org/
3) Regional Meetings: Actives and retirees with no Medicare meetings: October 1st at the Bossier Civic Center at 9:00 am and 2:00 pm. Retirees with Medicare meetings: October 2nd at the Bossier Civil Center at 9:00 am and 2:00 pm.
4) Recorded Webinars are not available this year but copies of the Annual Enrollment presentations will be available on the http://annualenrollment.groupbenefits.org/ website. 
5) Call the Office of Group Benefits Customer Service at 1.800.272.8451.
6) View In-network providers:  Go to: http://annualenrollment.groupbenefits.org/, then select "Find a Provider."

Health Insurance Premiums
1) LSU First and the Office of Group Benefits have both announced a 5% premium increase on all health plans for Active employees. Retirees should review the retiree premium sheet as rates will increase January 1, 2020.

2) It is recommended to visit https://www.annualenrollment.groupbenefits.org/ for additional details.

LSU First Information
Customer Service: 1.855.346.5781
Website:  http://www.lsu.edu/lsufirst/
Member Portal: http://www.webtpa.com/
Claims Administrator: WebTPA
Pharmacy Benefit Manager: Citizens Rx
Search for In-Network Providers: http://www.lsu.edu/lsufirst/providers.php

Learn more about the LSU First Health Plans:
1) Visit the LSU First website at http://www.lsu.edu/lsufirst/
2) Click here to view the 2020 LSU First Benefits Snapshot. 
3) Click here to view the 2020 Health Insurance Comparison Chart
4) Click here to view the Speciality Drug List - Coming soon!
5) Click here to view the Prescription Drug Formulary (Exclusion list) - Coming soon!

LSU First Health Plan 2020 Changes
There will be a 5% premium increase.

Reminders on the LSU First Health Plan:
Citizens Rx will continue as the pharmacy benefit manager for 2020.
Generic drugs: the cost of generic drugs comes out of the HRA and rollover accounts first and then is covered by the plan at 100%.
Brand name drugs: The cost of brand name drugs will first be deducted from the HRA account. After the HRA is exhausted, plan members are responsible for 100% of the cost of the drug until the deductible is satisfied. After the deductible is satisfied, plan members are responsible for 20% co-insurance (maximum cost is $150 for a 30-day supply).
Specialty Medications: The cost of specialty medications will first be deducted from the HRA account. After the HRA is exhausted, plan members are responsible for 100% of the cost of the drug until the deductible is satisfied. After the deductible is satisfied, plan members are responsible for 20% co-insurance (maximum cost is $150 for a 30-day supply).
Preferred drug and drug exclusion lists are available at www.citizens.com/member/documents
Please make sure that services receive pre-authorization: MRI, PT/OT/ST, surgery, etc.

Premiums Only Plan 
The premiums for medical, dental, vision and OGB life insurance will automatically be deducted before taxes from your paycheck. There is no cost or tax liability. Due to the tax advantages under this program, you can only change or cancel these insurance plans during Annual Enrollment or if you experience a qualifying event (with proof of the event within a 30 day window).

Waiver of coverage requirement  / Affordable Care Act
Employees who do not elect health insurance are required to complete a waiver of coverage in Workday.  The Affordable Care Act has mandated a “penalty” or a fee for individuals that don’t have health insurance coverage.  If you don’t have coverage, you will pay a fee according to ACA rules. LSUS is required to issue Form 1095-C documents.  These documents will be issued to each employee when W-2’s are issued. This will be your “proof of health insurance coverage.”

 
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