Below are the key changes happening in 2018 for employees and retirees. Review each change to help you make the most informed decisions during Open Enrollment.
This summer, My Benefits, your gateway to review and change your benefits was upgraded to offer increased security, improved navigation and an optimized user experience. As a result, you will want to note these changes to portal access:
Here's a summary of some of the new features you will see in the portal:
If you enroll in the Blue Shield Healthcare + Savings plan or the Blue Shield ACA Basic High Deductible plan, you're eligible to enroll in a Health Savings Account (HSA). In 2018, employees and retirees under 65 can contribute more to their HSA. The new limit is increasing by $50 to $3,450 for individual-only HSAs and the contribution for family coverage will increase by $150 to $6,900.
In 2018, you can contribute up to $2,600 of pre-tax dollars to your Health Care FSA. During Open Enrollment, you can elect to have Stanford withhold an annual amount which will be deducted in equal amounts from your pay on a pre-tax basis for reimbursement of eligible healthcare expenses. You must re-elect an FSA each year.
United Healthcare informed us in the spring that they will no longer support retiree drug subsidy plans. These plans are the type where prescription drugs are received through the medical plan instead of enrolling in Medicare Part D. Stanford offers prescription drug coverage in its medical plans and does not require retirees to enroll in Medicare Part D. As a result, the United Healthcare Medicare Advantage and Senior Supplement Plans are being discontinued as of 2018. Members of these two plans will receive more information about this change in the mail and will have the option to enroll in a different plan or will be defaulted to the Blue Shield Retiree PPO if a new plan is not elected.
|2018 Medicare Compatible Plan Options|
|Medicare Advantage Plans||
|Medicare Supplement Plans||
The co-payments for physical therapy, occupational, and speech therapy have been decreased from $75 to $40 for the Stanford Health Care Alliance (SHCA) and EPO plans since these services typically require multiple visits.
In 2018, we will cover a third cleaning for participants in the Delta Dental Enhanced Plan who are undergoing orthodontic treatment. In addition, preventative services will now be covered at 100% if you use a Delta Dental provider within our network. You should confirm provider network status with Delta Dental beforehand.