Document 401163
2015 Open Enrollment: Frequently Asked Questions The following FAQs have been prepared to help you learn more about your 2015 Robert Half benefits. If you have additional questions, you can contact the Mercer Marketplace at 855.879.6739. Call center representatives are available Monday – Friday, 4 a.m. – 7 p.m. Pacific time, and Saturday from 7 a.m. – 11 a.m. Pacific time. The Mercer Marketplace call center will be available starting Monday, November 17, 2014. Table of Contents GENERAL — BENEFIT CHANGES AND ENROLLMENT .............................................................. 2 COSTS FOR COVERAGE............................................................................................................... 4 ENROLLING FOR COVERAGE ...................................................................................................... 4 ELIGIBILITY ..................................................................................................................................... 5 HEALTHCARE PLANS (MEDICAL, DENTAL AND VISION COVERAGE) ..................................... 6 DENTAL COVERAGE ................................................................................................................... 10 VISION COVERAGE ..................................................................................................................... 10 LIFE INSURANCE ......................................................................................................................... 11 FLEXIBLE SPENDING ACCOUNTS (FSAs) ................................................................................. 11 COMMUTER BENEFITS ............................................................................................................... 12 ADDITIONAL RESOURCES .......................................................................................................... 12 1 GENERAL — BENEFIT CHANGES AND ENROLLMENT 1. What do I need to do during Open Enrollment? Robert Half is introducing new benefit plans through the Mercer Marketplace for its employees effective January 1, 2015. Your 2014 benefit elections will not roll over to 2015. Therefore, it’s extremely important that you understand the new benefits and take action during this year’s Open Enrollment. If you don’t enroll through the Mercer Marketplace by December 5, 2014, you won’t have Robert Half benefits in 2015. Given the changes to this year’s offerings, consider setting aside extra time to review your benefits options. You’ll need to: Learn about the new benefits for 2015 and watch the recorded presentation and videos at roberthalfbenefits.com. Use the online resources to help you make the best choices for you and your family. Enroll in your 2015 benefits between November 17 – December 5, 2014. 2. What is the Mercer Marketplace? The Mercer Marketplace is our new benefits partner. Through the Mercer Marketplace, you will learn about your new benefit options and enroll for coverage. The Mercer Marketplace offers traditional benefits, such as healthcare and life insurance, and additional benefits like pet insurance and critical-illness coverage. Online decision-making tools make it easy for you to compare and choose. Beginning November 17, you also can call the Mercer Marketplace’s call center for enrollment help and talk with trained representatives. 3. Why did Robert Half choose the Mercer Marketplace? We heard from employees that you wanted more benefit choices, better plan options and an easier way to enroll. After carefully researching our options, we found that the Mercer Marketplace offered the best available solution: A competitive benefits program that provides valuable care for you and your family More choices and flexibility for you to select the most ideal coverage for your personal situation Sustainable costs for both you and the company 2 4. What’s changing for 2015? The following comparison chart provides a high-level overview of the difference between plan options for 2014 and 2015. Medical Current 2014 Plans New 2015 Plans Anthem PPO plan Cigna EPP plan Kaiser HMO plan (CA only) $350 Deductible $800 Deductible $1,500 Deductible* $2,500 Deductible* Up to 3 carrier options for each plan: Anthem, Cigna and Kaiser (limited locations) * The $1,500 and $2,500 Deductible Plans are compatible with a Health Savings Account (HSA). 3 Dental 1 Cigna plan 2 Delta Dental plans — Enhanced and Standard Vision 1 VSP plan 2 VSP plans — Enhanced and Standard Flexible Spending Accounts (FSA) Dependent Care Reimbursement Account Dependent Care Reimbursement Account Healthcare FSA Limited-Purpose Healthcare FSA Disability Salary Continuation Basic Long-Term Disability (LTD) Basic Short-Term Disability (STD) Basic Long-Term Disability (LTD) Supplemental Long-Term Disability (LTD) Life and Accident Insurance Basic Life Insurance Basic AD&D Insurance Supplemental Life Insurance Basic Life Insurance Basic AD&D Insurance Supplemental Life Insurance Voluntary Benefits 5 options 8 options and a discount mall Employee Assistance Program United Behavioral Health Magellan Health Services Transit Benefit Transit/Commuter Account Transit/Commuter Account COSTS FOR COVERAGE 5. How much will my benefits cost? The amount you’ll pay for benefits will vary depending on the options you elect and who you choose to cover — yourself only, yourself and your spouse/domestic partner or child(ren), or your whole family. You can find costs for all the benefit options on the Mercer Marketplace website starting November 17, 2014. 6. When will contributions for coverage be deducted from my paycheck? Contributions for most coverage will begin with your first paycheck in January; deductions for voluntary benefits begin after April 1, 2015. 7. Is there anything special I need to know about contributions for 2015? For those who are paid bi-weekly, there will be 27 pay periods in 2015, instead of the usual 26 pay periods. Premiums will be deducted evenly from the first 26 pay periods in the year. The final 27th pay period will be considered a “premium holiday,” and no benefit deductions will be taken from your paycheck. Likewise, employees who are paid weekly and have 53 pay periods in 2015 will not have benefits deductions removed from their last paycheck of the year. Note: This doesn’t apply to Protiviti employees or Salaried Professionals, who are paid on a weekly or semi-monthly basis. ENROLLING FOR COVERAGE 8. When is Open Enrollment, and when will my new benefits be effective? The Open Enrollment period begins November 17 and ends December 5, 2014, at 11 p.m. ET. Most of your benefit elections will become effective January 1, 2015, and will remain in effect through December 31, 2015. However, voluntary benefit elections — such as pet insurance, critical-illness coverage and accident insurance — will become effective April 1, 2015, and will remain in effect through December 31, 2015. 9. Usually, I don’t do anything during Open Enrollment. Do I have to enroll? Yes, if you want Robert Half benefits in 2015, you must enroll. We’re offering new benefits through the Mercer Marketplace. You must take action and enroll during Open Enrollment. If you don’t enroll, you won’t have medical, dental, vision and other important benefits in 2015. Your current coverage will end December 31, 2014. Your current coverage won’t carry over to 2015. 4 10. How do I enroll? There are two ways to enroll through the Mercer Marketplace: Online at mercermarketplace.com/roberthalf By phone at 855.879.6739 (Call center representatives are available Monday – Friday, 4 a.m. – 7 p.m. Pacific time, and Saturday from 7 a.m. – 11 a.m. Pacific time.) The Mercer Marketplace website and call center will be available starting November 17, 2014. 11. What information will I need to enroll my dependents? You’ll need to provide the full name, Social Security number and date of birth for each dependent. 12. What happens if I don’t make Open Enrollment benefit elections by December 5, 2014? If you don’t enroll for benefits by the December 5 Open Enrollment deadline, you won’t have Robert Half medical, dental, vision and other important coverage in 2015. You also won’t be able to participate in the new Flexible Spending Accounts (FSA) and voluntary benefit options. You’ll only receive company-provided benefits for 2015, including basic disability coverage and basic life and accident insurance. 13. Can I enroll after Open Enrollment? No. Open Enrollment ends December 5, 2014, at 8 p.m. Pacific time, with no exceptions. The only time you can change your elections outside of Open Enrollment is when you experience a qualified family-status change, such as: Marriage, divorce or legal separation Birth or adoption A dependent who becomes ineligible for coverage Death of your spouse or one of your children Change in work status for you or your spouse/domestic partner You must submit your changes within 30 days of the date of the qualified event — there are no exceptions. ELIGIBILITY 14. Who’s eligible to enroll for Robert Half benefits? You’re eligible to enroll if you’re a regular full-time employee who works 30 or more hours a week. You may also enroll your eligible dependents, including: Your lawful spouse or registered domestic partner Eligible dependent children, up to age 26 Children age 26 and over, if they are disabled and are dependent on you for support Eligible children include your own children, as well as the children of your spouse or registered domestic partner. 5 HEALTHCARE PLANS (MEDICAL, DENTAL AND VISION COVERAGE) 15. Do I need to choose a medical plan for 2015? Yes. If you want Robert Half medical benefits in 2015, you must enroll. It’s also important to note that the Patient Protection and Affordable Care Act — also known as healthcare reform or the ACA — requires almost everyone in the U.S. to have medical coverage or pay a penalty at income tax time. This requirement is called the individual mandate. If you enroll for medical coverage through Robert Half, you will fulfill the individual mandate for 2015. If you don’t enroll through Robert Half, you can also enroll in another ACA-qualified plan through your spouse’s employer or a state health insurance marketplace. Note: If you don’t have coverage in 2015, you’ll be required to pay a penalty on your 2015 income taxes when you file in 2016. 16. How do I know which medical plan option is right for me? Only you can decide what coverage is right for you and your family. On the Mercer Marketplace website, you’ll be able to use a medical plan comparison tool to compare medical plan costs and coverage options side by side. When thinking about your medical options, you should consider: Whether your doctors or providers are in-network with the carrier or not The types of healthcare services you and your family will need Certain planned treatments or surgeries Current medical conditions The impact of out-of-pocket expenses and paycheck deductions 17. How do I choose a medical plan carrier? When you choose a medical plan, you also choose a carrier: Anthem or Cigna, which are available in all locations; or Kaiser, which is available in California, Colorado, Georgia, Hawaii, Washington and the mid-Atlantic region. With Anthem and Cigna, you can receive care from any licensed healthcare provider, but you save money when you receive care from providers who are contracted with the Anthem or Cigna network. You should check both networks before enrolling to see which one includes your doctors, hospitals and other providers. Kaiser requires you to receive care through Kaiser doctors and healthcare providers only. There is no out-of-network option for providers who are not associated with Kaiser. 6 To search for network providers, go to: Anthem: anthem.com/ca – Click “Find a Doctor.” – Choose your state from the drop-down menu. – When it asks you to select a plan/network use: In California, select Blue Cross PPO Prudent Buyer Large Group All other states, select National PPO (Blue Card PPO) Cigna: cigna.com – Click “Find a Doctor.” – Select “If Your Insurance Plan is Offered Through Work or School…” – When it asks you to “Select a Plan,” choose Open Access Plus, OA plus, Choice Fund OA Plus WITH CareLink. Kaiser: kp.org 18. I’m currently being treated for a medical condition. How can I make sure my treatment is not interrupted and doesn’t cost me more in 2015? You should discuss your treatment plan with your doctors to understand the services you’ll need and select the medical plan that best aligns with your care. You can choose from several medical plan options, which have different deductibles and payroll deduction amounts. In general, plans with more generous benefits will have higher costs. Review your Open Enrollment materials and use the online tools to help you make your decision. You also can call the carriers to discuss your personal health treatment and find out if your doctors are in the network of the plan options you are considering. 19. I am pregnant and due very soon. Will the change impact me? Your coverage will depend on the plan option you choose for 2015. First, you should see if your doctor is in the medical plan’s network. If so, you may not need any transition of care. However, if you change insurance carriers, your doctor may not be in the new carrier’s network. You should call your new insurance carrier to discuss the transition-of-care process and how it will work for your situation. See the 2015 Benefits Guide or contact the Mercer Marketplace for carrier contact information. 20. How can I find out more about coverage for my personal medical condition? You can contact the carriers to learn more about the coverage for your specific condition. See the 2015 Benefits Guide or contact the Mercer Marketplace for carrier contact information. 7 21. The new $1,500 and $2,500 Deductible Plans are compatible with a Health Savings Account (HSA). How does an HSA work? The HSA is a convenient and tax-free way for you to pay for your eligible healthcare services. When you participate in an HSA, pre-tax contributions will be deducted from your paycheck and deposited into your own interest-bearing account. Your contributions and any interest accumulation in the account are not taxable. For 2015, you can contribute up to: Individual coverage: $3,350 Family coverage: $6,650 If you’re 55 or older, you can contribute up to an additional $1,000 per year. Note: These contribution amounts include both your contributions and any matching contributions you receive from Robert Half. 22. What do I need to do to participate in an HSA? To participate in an HSA, you must enroll in either the $1,500 Deductible Plan or the $2,500 Deductible Plan. During Open Enrollment, you can select the amount you want to contribute to your HSA each pay period. You can also make changes to your HSA contributions at any time during the year. 23. How does the HSA company match work? For 2015, Robert Half will make matching contributions to your HSA. For every $1 you contribute, Robert Half will make a matching contribution of $0.50 up to: $500 if you enroll in the $1,500 Deductible Plan $1,000 if you enroll in the $2,500 Deductible Plan Note: Matching contributions are not provided to Salaried Professionals. 24. How do I use the money in my HSA? There are two ways to use your HSA to pay for eligible expenses: Use your HSA debit card to pay directly at the point of service. Pay for services out of pocket and submit a claim for reimbursement. If you don’t want to use the money in your HSA, you can also choose to pay for services out of pocket and not submit a claim for reimbursement. This way you save the money in your HSA for future medical needs. You can use your HSA for out-of-pocket expenses that would generally qualify for the medical, dental and vision expense income tax deductions, such as deductibles, office visits, prescription drugs, hospital stays, lab work and more. 25. What will happen to my HSA if I don’t use it during the year? Any money left in your account at the end of the year will roll over to the following year. This is how you can build your savings to help pay for future healthcare expenses. 8 26. Can I take my HSA account with me when I leave Robert Half? Yes, you can. You own your HSA and any money in your account, including the Robert Half matching contributions. 27. Will I receive a new medical ID card? Yes, you will receive a new medical plan ID card, which should arrive before January 1, 2015. Be sure to show your new ID card when you receive medical services. If you enroll in an Anthem or Cigna medical plan option, you will also receive an Express Scripts prescription drug ID card. If your new ID card(s) doesn’t arrive before January 1, 2015, contact the Mercer Marketplace at 855.879.6739. 28. What if I need medical care before I have my new ID card? You should have your doctor contact your new medical plan insurance company. Contact the Mercer Marketplace at 855.879.6739 for the correct number. 29. I heard that the prescription drug provider will be different from the medical carrier in the Anthem and Cigna medical plans. How will this impact me? If you enroll in an Anthem or Cigna medical plan, Express Scripts will provide prescription drug benefits starting January 1, 2015. They will administer all prescription claims for employees and their family members enrolled in an Anthem or Cigna medical plan. Anthem and Cigna will continue to administer all medical claims. You’ll receive a separate welcome packet from Express Scripts, which includes a new prescription ID card. 30. Will I get a new prescription drug card from Express Scripts? Yes, when you enroll in one of the Anthem or Cigna plans, you will receive a separate prescription ID card from Express Scripts in addition to your medical ID card. 31. How do I make sure my current prescriptions are on the Express Scripts formulary list? Go to express-scripts.com to see Express Scripts’ formulary list. 32. I get my prescription drugs through mail order in my current medical plan. What do I need to do to continue receiving prescription drugs in the mail after January 1? For the Anthem and Cigna medical plans, Robert Half has arranged for Express Scripts to receive all open-refill prescriptions, which means you should be able to continue using the mail-order service without disruption. However, by law, certain controlled substances can’t be transferred. Please contact Express Scripts if you have any questions about your mail-order prescriptions. For the Kaiser medical plans, you can continue to use the Kaiser mail-order program without interruption. 9 DENTAL COVERAGE 33. My child is receiving orthodontia care in the current dental plan. What’s going to happen when I move our coverage to the new dental plan? Talk to your child’s orthodontist to find out if the orthodontia treatment will continue in 2015. If so, enroll in the new Enhanced Dental Plan, which — unlike the Standard Plan — provides orthodontia coverage. Your orthodontist will need to submit a new claim to Delta Dental in order for benefits to continue. Note: The orthodontia lifetime maximum benefit is increasing to $2,500 in the Enhanced Dental Plan. Any amount already applied toward the orthodontia lifetime maximum in the current Cigna plan will carry over to the Enhanced Dental Plan. For example, if you already incurred $1,000 toward the orthodontia lifetime maximum, you’ll have up to $1,500 left to use. 34. I am planning to have dental work done in 2015, and my dentist is not in the Delta Dental network. How can I find out more about my out-of-pocket expense? Your dentist may submit a pre-treatment estimate to Delta Dental on or after January 1, 2015, for an estimate of benefits. Contact Delta Dental at 800.765.6003. 35. Whom do I call if I have questions about my upcoming dental work so I can select the right plan? For questions on how to select your 2015 dental plan, contact Delta Dental at 800.765.6003. Representatives are available from 5 a.m. to 5 p.m. Pacific time. 36. Will I receive a dental plan ID card? No. However, you can download a mobile app or print a physical ID card at deltadentalins.com. You’ll need to register on the site to have access to this functionality. VISION COVERAGE 37. Will I receive a vision plan ID card? No. With VSP, you don’t need an ID card. Just let your vision care provider know that you are a VSP member, and the provider’s office will look up your membership information. VSP’s customer service number is 800.877.7195. 10 LIFE INSURANCE 38. What are the changes for life insurance programs? Your basic life insurance and basic accidental death and dismemberment (AD&D) insurance will increase to two times your eligible earnings, up to $1 million. The company is also replacing the nominal company-paid dependent coverage with a more flexible employee-paid supplemental insurance program, which offers higher coverage levels. You’ll now have the option to purchase supplemental life insurance coverage for yourself and your eligible dependents in the following amounts: Employee coverage Spouse/domestic partner coverage Child coverage Coverage is available in $10,000 increments, up to $2 million Coverage is available in $25,000 increments, up to $250,000 or 100% of your own Supplemental Employee Life Insurance amount, whichever is less Coverage is available in amounts of $5,000, $10,000 and $20,000 (amounts for children under age 6 months are reduced) FLEXIBLE SPENDING ACCOUNTS (FSAs) 39. What is a Healthcare FSA, and how does it work? A Healthcare FSA allows you to pay for eligible healthcare expenses using pre-tax contributions made through payroll deductions. You can use the money in your account to pay for eligible out-of-pocket healthcare expenses for you and your family. You’ll receive a Healthcare FSA debit card that you can use to pay for expenses at the point of service, or you can submit a claim for reimbursement. 40. How does an FSA debit card work? The debit card is a convenient way for you to pay for eligible expenses at the point of service. The money is taken directly from your FSA, so you won’t have to pay out of pocket and request reimbursement later. Note: If your claim requires additional documentation, the Mercer Marketplace will contact you. An explanation of benefits, or EOB, is the best way to substantiate these claims. 41. Will I get my money back if I don’t use it by the end of the year? No. Unlike a Health Savings Account (HSA), FSAs have a “use-it-or-lose-it” rule. If you don’t use the money in your FSA by the end of the calendar year, your account balance will be forfeited. You have until March 31, 2016, to file a claim for reimbursement of expenses incurred on or before December 31, 2015. For more information, call a Reimbursement Account Specialist at 877.248.0510. 42. Can I transfer money between my Healthcare FSA and Dependent Care FSA? No, these accounts are separate and distinct. Money cannot be transferred between accounts. 11 43. Where do I submit claims for my 2014 Dependent Care FSA? You’ll continue to submit 2014 claims for reimbursement to ADP. Claims for expenses incurred in 2014 must be submitted by March 31, 2015. COMMUTER BENEFITS 44. Why can’t I elect after-tax transit or parking deductions? The Mercer Marketplace doesn’t support commuter benefits on an after-tax basis. Therefore, after-tax elections for both transit and parking deductions will not be available starting January 1, 2015. 45. What will happen to my credit balance I currently have? After-tax credit balances will be refunded. Pre-tax credit balances will be transferred to the Mercer Marketplace for use in 2015. 46. Whom do I contact if I don’t receive my transit debit card? Beginning November 17, 2014, contact the Mercer Marketplace at 855.879.6739, Monday – Friday, 4 a.m. – 7 p.m. Pacific time, and Saturday from 7 a.m. – 11 a.m. Pacific time. ADDITIONAL RESOURCES 47. How do I contact the Mercer Marketplace? Beginning November 17, 2014, you can contact the Mercer Marketplace: Online at mercermarketplace.com/roberthalf By phone at 855.879.6739 (Call center representatives are available Monday – Friday, 4 a.m. – 7 p.m. Pacific time, and Saturday from 7 a.m. – 11 a.m. Pacific time.) 48. How do I contact one of the insurance carriers? See the 2015 Benefits Guide at roberthalfbenefits.com for carrier contact information. You can also contact the Mercer Marketplace. 49. Whom can I contact if I have questions about Robert Half benefits or need assistance with the enrollment process? If you have any questions about the plan changes or the enrollment process, you can call the Mercer Marketplace at 855.879.6739. Call center representatives are available Monday – Friday, 4 a.m. – 7 p.m. Pacific time, and Saturday from 7 a.m. – 11 a.m. Pacific time.) The Mercer Marketplace call center will be available starting November 17, 2014. If there is any discrepancy between the information presented here and the applicable official plan document, the official plan document will govern how your benefits are determined and administered. Robert Half reserves the right to terminate, suspend, withdraw or modify the benefits described in this document, in whole or in part, at any time. 12
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