Employee Rates - Frederick County Public Schools

HEALTH PLAN UPDATES EFFECTIVE JULY 1, 2010
To comply with federal mandated benefits, the following changes to the FCPS self insured health plan are effective July 1, 2010:
• Extended Coverage for Full-time Students on Medical Leave – coverage for an eligible dependent who is a full time student at a postsecondary
school and who needs a medically necessary leave of absence will be extended until the earlier of the following:
➣ one year after the medically necessary leave of absence begins; or
➣ the date coverage would otherwise terminate under the Plan
• Medicaid and the Children’s Health Insurance Program (CHIP) – FCPS is required annually to notify employees about potential opportunities
for premium assistance in the states in which they reside to help pay for health coverage. The state of Maryland currently does
not offer this, and detailed information is included in this packet for employees residing in Pennsylvania, Virginia and West Virginia.
• Mental Health Parity and Addiction Equity Act – copayments/co-insurance and treatment limitations for mental health and substance
abuse services will match the copayments/co-insurance and treatment limitations of the medical/surgical benefits.
• New Health Care Reform Bill Impacts Reimbursement of Over-The-Counter (OTC) Medicines –
➣ effective January 1, 2011 (mid-year for FCPS plan year), employees can no longer purchase over-the-counter (OTC)
medications with the medical flexible spending account (FSA) funds unless prescribed by a health care provider.
Detailed information is included in this packet.
➣ effective January 1, 2011, employees can no longer use the CVS Extracare discount card to receive discounts on
OTC medications.
HEALTH PLAN UPDATES EFFECTIVE JULY 1, 2011
Health care reform changes impacting the FCPS medical plan:
Many health plan benefit changes are included in the recent health care reform legislation and are being phased in between 2010 and
2018. The change which will be implemented for the FCPS plan next plan year, July 1, 2011:
➣ extended coverage to dependents under age 26 if they have no access to other employer-sponsored coverage
ADDITIONAL ANNOUNCEMENTS EFFECTIVE JULY 1, 2010
• CVS/Caremark issuing new employee identification cards – CVS/Caremark is no longer using social security numbers to identify
employees and will issue new identification cards for the plan year beginning July 1, 2010. Employees should destroy the old cards
when they receive the new ones mailed to their homes.
• Coverage for hair prosthesis – benefits will be available for hair prosthesis for loss of natural hair resulting from chemotherapy treatment
for cancer when prescribed by the resident oncologist. 100% in-network and 80/20% after deductible for out-of-network subject to a
maximum of $350 and limited to one hair prosthesis per policy year.
• Documentation now required when adding dependents to your medical and/or dental coverage – beginning with the May 2010 open
enrollment period, employees adding dependents to their insurance coverage must submit the required documentation, including but
not limited to:
➣ Spouse – copy of marriage certificate and most recent tax return showing marital status, personal and financial
information blacked out
➣ Child – copy of birth certificate and college schedule if a full time student. Detailed information is included in this
packet.
• No action needed for employees currently covering one dependent –
➣ employees who are currently covering one dependent and are not making coverage changes this year do not need
to complete an enrollment form. Premium adjustments will be handled through the FCPS Benefits/Payroll system.
➣ employees who are adding one dependent during the May open enrollment period must complete an enrollment form
and return to the Benefits Office with the documentation described above by May 28.
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