Here are some common questions about Open Enrollment.
Do I have to enroll during the 2020 Plan Year Open Enrollment Period?
Under Age 65 or Over Age 65 and not Medicare Eligible: Yes. This is a mandatory enrollment, if we do not receive your form by the enrollment deadline, your and your dependents’ current non-Medicare healthcare will be terminated on December 31, 2019 and you will not be allowed to re-enroll in coverage in the future.
Over Age 65 or Under Age 65 and Medicare Eligible: No. You and/or your eligible Medicare dependent may continue your participation in the Medicare offerings; however, plan design and premium changes will apply
Flexible Benefits: Yes. This is a mandatory enrollment, if you would like to continue with your current flexible benefits for this plan year, you must submit an enrollment form. If we do not receive your forms by the enrollment deadline, your and your dependent(s) current coverage will be terminated on December 31, 2019 and you will not be allowed to re-enroll in coverage in the future.
Can I make a change to my enrollment after I have completed and returned my enrollment form?
Throughout the Open Enrollment period, you may visit us and complete a new enrollment form. No changes will be accepted after the deadline unless you experience a qualifying event.
Can I add my dependents during this enrollment period?
Can I enroll my eligible dependent(s) and not cover myself in the healthcare or flexible benefits plan?
No. You must cover yourself in order to cover your eligible dependent(s). Be sure to coordinate your healthcare election with your spouse’s in the event that only one of you is Medicare eligible.
What if my eligible dependent is Over 65 and I am Under 65 or vice versa?
The Medicare eligible recipient must enroll in an offered Medicare plan and the non-Medicare eligible must enroll in one of the Cigna under 65 (not Medicare eligible) healthcare plans being offered.
If my dependents and I are both Medicare eligible, can we enroll in different healthcare plans?
Yes. You and your dependent(s) can be enrolled in any of the School Board sponsored Medicare healthcare and Prescription Drug Plans (PDP). Participants currently enrolled in a Prescription Drug Plan (PDP) only may enroll in any of the sponsored Medicare Group Healthcare plans.
Can I cancel my dependents during this enrollment period?
Yes. You can terminate your dependent coverage, but you will not be eligible to re-enroll until the next open enrollment, unless you have experienced a qualifying Change in Status (CIS) event, provided you have maintain your enrollment in a School Board sponsored Healthcare plan.
If I cancel my healthcare coverage could I enroll at a later date?
No. If you cancel your healthcare enrollment, you will never again be offered the opportunity of enrolling in a School Board sponsored Healthcare plan.
Do I need to complete a new Florida Retirement System (FRS) Payroll Authorization Form?
Yes. If you are currently having FRS deductions and wish to continue having your premiums deducted from FRS, you must submit a new FRS Payroll Authorization form.
If you are enrolling for FRS deductions for the first time, please check the appropriate box on your enrollment form. Complete the Florida Retirement System Payroll Deduction Authorization Form and return it with your enrollment form. When enrolling in FRS for the first time, there may be a normal delay between the time your request is processed and the time the deductions start; therefore, you will be billed for FRS deductions not taken from your retirement check. If premiums are not paid for the period of time deductions are not taken from your FRS check, benefits will be cancelled and you will not be allowed to re-enroll.
If I am Medicare eligible, can I choose to decline Medicare and remain enrolled in a Cigna Plan?
No. If you and/or your eligible dependents are Medicare eligible, you cannot elect not to enroll in Medicare. Not enrolling in Medicare while being Medicare eligible means a dis-enrollment of your Cigna plan.
What happens to my medical plan if I become Medicare eligible during calendar year?
To enroll in Medicare Part B, contact your local Social Security office. According to CMS guidelines, you are required to enroll in a Medicare Product. The Office of Risk and Benefits Management will send you an Over 65 Benefits Package, 60 days prior to the birth month in which you reach age 65 to provide you with the opportunity to enroll in an offered Medicare healthcare plan. You will be automatically dis-enrolled from your Cigna healthcare plan.
It is your responsibility to notify us of Medicare entitlement awarded before age 65, if not, this will result in an automatic termination of your Cigna plan.
Do I have to submit dependent documentation for my covered dependents?
Yes. All retirees selecting medical, dental, HIC and/or vision coverage for family must submit dependent eligibility documentation for all covered dependents.
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