The open enrollment period for benefit elections effective January 1, 2016 begins Monday, October 19, 2015 and ends at:  

  5:00 pm on Friday, November 13, 2015.

Important Notices:

     1.  Election Participation Forms:
Due to new regulations in 2016 related to the Affordable Care Act Reporting
Requirements, the Payroll Manager MUST have a current mailing address on file.  If
          you moved during 2015, you MUST complete the attached Election Participation Form.
          Please click on this link:  2016 ELECTION PARTICIPATION FORM  
          Complete all sections
of the form as it relates to you and your coverage needs for
          2016.  Forms must be completed and returned to the HR Office
          by November 13, 2015.

     2.  FSA plans have two new changes for 2016:
The Health Care allowable contribution has increased to $2,550 (previously $2500).
          You still have until March 31st of the following year to submit expenses incurred in the
          current year.
          2.  A new option called the "Carry-Over" Rule goes into effect January 1, 2016.  If you
          participate in the FSA Plan for 2016 and DO NOT use all of the money for expenses
          incurred in 2016, up to $500 of your remaining balance will carry over to the next
          calendar year.  
          Please read this attachment "Flexible Spending Account Plan Changes 2016" for
          complete details and examples.
          Reminder:  You MUST complete a new application every year in order to 
          participate in the FSA.

     3.  Vision Buy Up Plans:           
          Effective January 1, 2016, our Vision Provider for the buy-up plan will change
          from Davis Vision to Anthem (UniView Vision).  There is no change in the premium
          cost. Important:  If you are currently with Davis Vision and want to keep your
          additional coverage you MUST complete a new application with UniView. The
          application is attached below under UniView Vision.  Important Change:  You can
          now purchase contact lenses in addition to eyeglass lenses every calendar
          year.  Frames can be purchased every two years. 

      4.  Anthem Medical Plans:           
          Benefits will remain the same; however rates have increased.  To view the new rates
          for 2016 please click on this link:  2016 Insurance Rates.  

      5.  Delta Dental Plans:
           Low and High Plan Benefits and Rates will remain the same for 2016.

      6.  Express Scripts:
           Increase in RX copays:
                    *  Retail:  from $10/$35/$55 to $10/$40/$60
                    *  Mail Order:  from $10/$70/$110 to $10/$80/$120
                    *  Added a 4th tier cover specialty drugs at 20% up to $200 per script
                        maximum; Mail order - 20% up to $400 per script maximum.
                    *  Standard Preventative Care Medications will no longer have Co-pays.
                        There will be no charge for these drugs.
                    *  You can view a list of ESI standard preventative care medications below
                        under Prescription Drug Coverage.

If you want to add/change Medical, Dental or Vision you MUST complete an application
and the
2016 ELECTION PARTICIPATION FORM for the plan(s) you are adding/changing
only.  Application
forms for each benefit are provided below.  You can complete the
application online.  It can be
saved to your computer.  
Completed forms should
be sent to:  

Debbie Herndon, Benefits Manager, at one of the following:, or fax (434.223.7049), or Campus Box 127, or delivered to the
office on
the 2nd Floor, Cabell House.

Forms must be RECEIVED by 5:00 pm on Friday, November 13, 2015.
Medical/Dental/Vision Insurance 

Anthem (Medical): Information Booklet
Summary of Benefits and Coverage
Preventive Care
CHIP (Children's Health Insurance Program)
Non-Grandfathered Status
Women's Health & Cancer Rights Act
Coverage for Spectrum Disorder
HIPAA Special Enrollment Rights
  HIPAA Privacy Notice
Delta (Dental): Information On Low Option
  Information on High Option
  Delta Dental Network Providers
UniView (Vision):                 Information on High Option

Prescription Drug Coverage

Express Scripts (Prescriptions): Information On Coverage
                                                        ESI Standard Preventative Care Medications 
                                                        ESI Home Delivery & Mobile App Information
                                                        ESI Mobile App Registration Instructions
Flexible Spending Accounts

LD&B (FSA): Information Enrollment Packet
  FSA Plan Changes 2016
  HIPAA Privacy Notice LD&B

FSA Direct Deposit Form