Employee Open Enrollment

 Open Enrollment_2021


Welcome to the 2021 Annual Benefits Open Enrollment website!

This page contains information about benefits and changes for 2021. Information about 2020 benefits may be found on the main Employee Benefits website.

Open Enrollment is an annual opportunity for eligible employees to review and make changes to their health benefits for the upcoming calender year. 

During Open Enrollment, you may:

  • Change your health plan 
  • Add/delete dependents
  • Enroll HMO dependents on the GAP Plan (current dependent GAP coverage will continue)
  • Enroll or re-enroll in the Healthcare Flexible Spending Account and/or Dependent Care Flexible Spending Account
  • Apply for or change supplemental benefits
  • Enroll in Health Savings Account if moving to the High Deductible Health Plan

*New employees hired on or after July 1, 2016 will be enrolled in the High Deductible Health Plan with a Health Savings Account for a minimum of two full plan years.


 **IMPORTANT**

Effective January 1, 2021, CDS Group Health will no longer be contracted with Washoe County.

What does this mean?

  • Self-funded PPO and HDHP will be offered through Hometown Health only
  • Hometown Health Network has been expanded to include St. Mary's Medical Center, St. Mary's Medical Group and St. Mary's Urgent Care as in-network providers for Washoe County members
  • Carson Tahoe Regional Medical Center remains in-network
  • Northern Nevada Medical Center and Northern Nevada Medical Group will be non-contracted, out-of-network providers on both the PPO and HDHP
  • For employees/dependents residing outside of Nevada, network change from First Health network to PHCS network
  • NOTE: All employees currently enrolled in the St. Mary's PPO or HDHP, must change their health plan in ESS for the 2021 plan year.

 2021 Health Plan Changes

Listed below are the health plan changes for 2021. Please review completely to make an informed decision for you and your family.

High Deductible Health Plan

  • Premium Change* - see chart below
  • Increase Annual Individual Deductibe $2,600/Family Deductible $2,950
  • Increase Annual Individual Out-of-Pocket in-network $5,250/out-of-network $10,500
  • Increase Annual Family Out-of-Pocket in-network $6,350/out-of-network $10,750
  • Mandatory Mail Order for Maintenance Medications
  • Domestic Partner children eligible covered dependent

PPO Plan

  • Premium Change* - see chart below
  • Increase Annual Individual Deductibe $375/Family Deductible $750
  • Increase Annual Individual Out-of-Pocket in-network $3,450/out-of-network $6,575
  • Increase Annual Family Out-of-Pocket in-network $6,900/out-of-network $13,350
  • Mandatory Mail Order for Maintenance Medications
  • Domestic Partner children eligible covered dependent

 HMO Plan

  • Premium Change* - see chart below
  • No Plan changes for 2021
  • Domestic Partner children eligible covered dependent

 Dental Plan

  • No Plan changes for 2021
  • New plan administrator: Hometown Health

 Health Insurance Premiums for 2021

*Effective January 1, 2021, there will be a premium increase for the PPO, HDHP and HMO Plans. Listed below are the premium rates for 2021.

Washoe County pays 50% of dependent coverage. For those employees who wish to cover their dependents, premiums are deducted each pay period on a pre-tax basis. Once you have elected coverage you will not be permitted to make a change until the next open enrollment period unless there is a qualifying event. The premiums shown below represent the employee’s share of dependent coverage cost per pay period.

Health Benefits Rates_2021

*Domestic Partner premium is a post-tax deduction.

Washoe County will contribute $2,000 into a Health Savings Account for those who are enrolling or currently enrolled in the High Deductible Plan.

What do you need to do?

  1. Discover your options and learn about the different health plans offered at Washoe County: Plan on attending a virtual Open Enrollment meeting.
  2. Consider the costs associated with each plan: Review the premium rates for 2021 and the Medical Plan Comparison.
  3. Compare plans by reviewing the Summary of Benefits for each plan offered: PPO, HDHP and HMO
  4. Locate network providers on Hometown Health's website for PPO, HDHP, Dental and Vision providers; Prominence Health Plan for HMO providers
  5. Review/update your life insurance beneficiary information in ESS: You may update your beneficiary designation at anytime, but open enrollment is a great time to review and update.
  6. Meet with American Fidelity: As a reminder, employees are required to meet with American Fidelity to enroll or re-enroll in Healthcare Flexible Spending Account and/or Dependent Care Flexible Spending Account; to enroll for voluntary dependent GAP coverage (HMO members); and enroll in the Health Savings Account if new to the HDHP

    To make an appointment with an American Fidelity representative:  

    https://benefits.americanfidelity.com/washoe-county

  7. LAST STEP - ACTION REQUIRED: The Open Enrollment process is completed entirely online through ESS.

ALL employees must review their benefit plans and certify their enrollment status annually, even if you are not making a change.

NOTE: All employees currently enrolled in the St. Mary's PPO or HDHP, must change their health plan in ESS for the 2021 plan year.

For guidance, please acces the ESS Open Enrollment Quick Reference Guide.

 

 


 

 


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