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State Employee Open Enrollment Update
October 1 is the first day of Open Enrollment. This is the time to review your choices and elect the plan that is right for you and your family. We thought it may be helpful to give you a snapshot of the upcoming changes and enrollment information.
Choices
Health insurance is not a "one size fits all" solution. That's why state employees are offered a choice to meet their health insurance needs. Under the ARHealth Plan:- Employees have the choice of two different plans, a traditional co-pay based plan called ARHealth and an HSA qualified plan called ARHealth HD PPO. These two plans operate very differently and have very different premiums.
- Employees also get to choose between two different benefit coordinators. The ARHealth plan is coordinated through Health Advantage and NovaSys Health. ARHealth provides the same coverage for all members. The primary difference between the two benefit coordinators is their networks of physicians, hospitals, and other service providers. The ARHealth HD PPO plan is only offered with the NovaSys Health network.
Changes
Changes are often needed in order to maintain a balance between a quality schedule of benefits and affordable rates. Listed below are the changes that will be effective on January 1, 2009.- ARHealth In-Network Co-Insurance raised from 10% to 20%.
- ARHealth In-Network Co-Insurance Annual Limit raised from $1,000 individual/$2,000 family to $1,500 individual/$3,000 family.
- ARHealth HD PPO In-Network Deductible raised from $1,250 individual/$2,500 family to $1,500 individual/$3,000 family.
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