Benefits Enrollment & Reference Guide - Harford County Public ...

What’s New for this Plan Year
2012 – 2013
All Open Enrollment information is available on the Benelogic web site at www.hcps.benelogic.com.
Here is a look at what’s changing for 2012:
New Insurance Premiums:
New 2012 insurance premiums are detailed on page
5 and 6 of this guide. New premiums are effective
July 1, 2012.
Excluding Teachers Bargaining Unit (HCEA) eligible
members there will be no increase in premiums for any
of our CareFirst medical plans. Teachers Bargaining
Unit (HCEA) members rates increased by 1% due to the
non implementation of “mandatory generic”.
Dependents can be covered up to the age of 26
regardless of student status.
Mandatory Generic Prescription Drug Program
In an effort to reduce cost and provide a savings in
our healthcare pharmacy cost, HCPS will implement
“mandatory generic” prescription drug coverage
effective July 1, 2012.
Mandatory generic will require the use of generic drugs
vs. non-preferred brand name where available and
appropriate, at the generic copay.
If a member chooses to purchase a non-preferred
brand-name drug over the generic drug when the
generic drug is available and appropriate, the member
will incur higher out-of-pocket costs.
Member will be required to pay the brand copay plus
the difference in cost between the brand and generic if
a generic equivalent is available (up to the cost of the
brand name drug).
If there is no generic available member will pay the
required copay.
New Insurance Card Information
New insurance cards will be issued to all employees.
Flexible Spending Account (FSA)
Enrollment Reminder
You must go on-line to enroll for a 2012 FSA (healthcare
and/or dependent care spending account). Your 2011
election will not automatically continue. (Dependent
care is for daycare, before/after school care, summer
camp and disabled/elder adult daycare services).
Delta Dental
Our Delta Dental plan had no benefit design changes
and no increase in premiums.
Dependents can be covered up to the age of 26
regardless of student status.
Patient-Centered Medical Home (PCMH)
The current disease management program is being
replaced with Patient-Centered Medical Home (PCMH).
2 Harford County Public Schools – Benefits Enrollment & Reference Guide