2020 Open Enrollment Takes Center Stage Starting October 21
Open Enrollment for your 2020 benefits takes center stage from October 21 through November 1, 2019. Open Enrollment is your annual opportunity to review your benefit options for the coming calendar year. During Open Enrollment, you can decide to keep the coverage you currently have or make changes, such as switching to another medical plan, adding a dependent to your coverage, or start participating in other optional benefit plans.
New Releases for 2020
Below are several benefit enhancements and updates for 2020. More information is coming soon.
We are introducing text message alerts to provide reminders about important benefit deadlines and events. You can sign up for text message alerts at any time and can also cancel at any time.
Ensign Services does not charge for text message alerts sent to you. You may however, incur charges from your wireless carrier to send or receive text messages. Check with your carrier for possible charges.
You can sign up for text message alerts in two ways:
- Click here to complete a short web form to sign up for text message alerts.
- Text ENSIGNBENE1 to 31996 on your smartphone.
To stop receiving text message alerts, text STOP TO 31996. For more information, text HELP to 31996.
For 2020 we are adding a new low deductible EPO 500 plan adminstered by Collective Health giving you another medical option to choose from in 2020.
We are introducing a new low cost cross-border SIMNSA Baja CA Premier Access HMO for San Diego County residents with access to providers in Tijuana, Tecate and Mexicali, Mexico. The plan features no deductible, $5 copay for doctor visits, inpatient hospitalization covered in full and a $5 copay for a 30-day supply of prescription drugs. You must use providers in the SIMNSA Baja CA Premier Access HMO unless you have an emergency.
All of our medical plans except the new EPO 500 and the Copay 5000 provide you with access to a Health Savings Account (HSA). For 2020, the maximum contribution is increasing to $3,550 for employee only coverage and $7,100 for family coverage.
Health care costs in the U.S. continue to rise which impacts the cost of our medical plans. In addition, the PPO 1500 experienced an increased proposrtion of usage while the PPO 5000 maintained a very stable utilization pattern. These trends result in:
- Higher cost increase for the PPO 1500 in 2020
- No cost increase for the PPO 5000 in 2020; and
- As expected cost increases for the EPO 2000, Copay 5000 and Kaiser CA HMO 2000 (California employees only)
Paycheck contributions for the Dental PPO plan are decreasing for 2020 and contributions for vision are staying the same.
Telemedicine through Teladoc gives you 24/7 access to a doctor through live video chat for most non-emergency conditions. For 2020, you can also use Teladoc to speaks to licensed therapists, psychiatrists and mental health professionals for help with depression, stress, anxiety, greif and more. The cost for a behavioral health visit depends on the medical plan in which you are enrolled.
For employees enrolled in the EPO 500, PPO 1500 with HSA, EPO 2000 with HSA, Copay 5000 or PPO 5000 with HSA.