Step One: Determine Your Eligibility and Review Benefits

Step One
Determine Your Eligibility and Review Benefits

October 2019 

Quick Links

Benefit Eligibility Dental Insurance
Health Insurance 2020 Dental Premiums (Except SPOC-Covered)
2020 Iowa Choice and National Choice Premiums 2020 Dental Premiums (SPOC-Covered Employees)
2020 Alliance Select Premiums Flexible Spending Accounts
Health Insurance Opt-Out Life Insurance
  Premium Conversion Plan

Benefit Eligibility

Following are the benefits you can elect during the 2020 Enrollment and Change period. Eligibility is based on the number of hours you work per week.

Work at least 30 hours a week Work 20-29 hours per week
Health insurance Health insurance
Health insurance opt-out Dental insurance
Dental insurance Flexible Spending Accounts
Flexible Spending Accounts Pre-tax premium conversion
Supplemental life insurance  
Pre-tax premium conversion  

 

Eligible Family Members: Review the information for family member coverage on the 2020 Enrollment and Change web page.


Health Insurance

 

All employees (except those covered by SPOC) can choose one of the two following health insurance options for 2020:

  • Iowa Choice:  You have access to doctors and hospitals in Iowa and counties sharing a border with Iowa. You will not have access to care outside of these areas unless you have an emergency while out of state or need care which is not available in the State of Iowa and an out-of-network referral has been submitted and approved by Wellmark in advance of the service.
  • National Choice: You have access to health care from any provider in Iowa and throughout the nation. Keep in mind, choosing an in-network provider will reduce your out-of-pocket costs.

For SPOC-covered employees only: Alliance Select offers benefits through the Wellmark Alliance Select℠ network (providers in Iowa and across the nation.) Keep in mind, choosing an in-network provider will reduce your out-of-pocket costs.

 

Health Insurance Summary
To assist you in making an informed decision about the best coverage for you and your family, review your health insurance options outlined on the 2020 Enrollment and Change web page, including: 

  • A side-by-side summary of the Iowa Choice and National Choice options.
  • A summary of the Alliance Select plan (for SPOC-covered employees only.)

2020 Iowa Choice and National Choice Monthly Insurance Premiums

Any changes to your health insurance deductions will be reflected on the pay warrant issued December 20, 2019.

Full-time Employees
(30+ hours a week)
Total
Premium  
State
Share
% Employee
Share
%
Iowa Choice          
Employee $761.00 $716.00 94% $45.00 6%
Family $1,788.00 $1,628.00 91% $160.00 9%
National Choice          
Employee $837.00 $716.00 86% $121.00 14%
Family $1,964.00 $1,628.00 83% $336.00 18%
Part-time Employees
(20 -29 hours a week)
Total
Premium 
State
Share
% Employee
Share
%
Iowa Choice          
Employee $761.00 $358.00 47% $403.00 53%
Family $1,788.00 $814.00 46% $974.00 54%
National Choice          
Employee $837.00 $358.00 43% $479.00 57%
Family $1,964.00 $814.00 41% $1,150.00 64%

 

2020 Alliance Select Insurance Monthly Premiums (SPOC-Covered Only)

Full-time Employees Total
Premium  
State
Share
% Employee
Share
%
Single $526.80 $500.80 95% $26.00 5%
Employee and Child(ren) $997.23 $878.23 88% $119.00 12%
Employee and Spouse $1,078.89 $948.89 88% $130.00 12%
Family $1,616.75 $1,374.75 85% $242.00 15%

Health Insurance Opt-Out

You may be eligible to opt out of State-sponsored health insurance coverage and receive a payment of $125 monthly if: 

  • You are a full-time (30 or more hours per week) benefit-eligible employee

AND

  • If you are not covered by an Alliance Select (SPOC-covered), Iowa Choice, or National Choice active or retiree health insurance option through a family member.

Electing to Opt Out of Health Insurance
If you elected the health insurance opt-out in 2019 and want to continue the opt-out option in 2020, the election will roll over into 2020. If you want to opt out beginning in 2020, you will need to do so in IowaBenefits (click on Step Three).

Opt-Out Payment
The $125 opt-out payment is:

  • Paid on the first pay warrant of the month.
  • Taxed as part of your income as your W-4 requested withholding status.
  • Shown on the online payroll warrant in the “Other Pay” field.

Dental Insurance Information for All Employees 

You can enroll in dental coverage, change to family or single coverage, add eligible family members to your dental insurance, or remove eligible family members from your dental insurance during the Enrollment and Change period or during the year if you experience a qualified life event.
 
Dental Insurance Summary
The State’s dental insurance for all employees (except those covered by SPOC) will now cover dental implants, as an alternative to dentures or a bridge, with a 50 percent coinsurance up to the annual member maximum of $1,500. 

Summaries of the Delta Dental plans are available on the 2020 Enrollment and Change web page.

2020 Monthly Dental Premiums for All Employees (Except SPOC-Covered)

Full-time Employees
(30+ hours a week)
Total
Premium
State
Share
% Employee
Share
%
Employee $30.60 $30.60 100% $0.00 0%
Family $82.24 $41.12 50% $41.12 50%
Part-time Employees
(20 -29 hours a week)
Total
Premium
State
Share
% Employee
Share
%
Employee $30.60 $15.30 50% $15.30 50%
Family $82.24 $20.56 25% $61.68 75%

2020 Monthly Dental Premiums for SPOC-Covered Employees

Full-time Employees Total
Premium
State
Share
% Employee
Share
%
Employee $34.70 $34.70 100% $0.00 0%
Family $87.26 $68.26 78% $19.00 22%

 

The 2020 dental insurance premiums will be reflected beginning with the pay warrant issued December 20, 2019.


Flexible Spending Accounts

A Flexible Spending Account (FSA) allows you to set aside money from your paycheck (with no tax withholding) to pay for medical or dependent care expenses. If you wish to make contributions in 2020 to a Health or Dependent Care FSA, you must actively enroll during the Enrollment and Change period. For more information on who is covered under your FSA as an eligible dependent, please visit https://das.iowa.gov/human-resources/employee-and-retiree-benefits/employees/additional-benefits/flexible-spending-2.

Here's how the program works:

  • You decide how much to set aside annually for health or dependent care expenses, or both. This amount is divided equally by 24 (pay periods).
  • Through payroll deduction, this amount is taken from your paycheck before taxes and deposited into your FSA account(s).
  • You incur an expense and choose a claim option to receive reimbursement. ASI Flex (the State’s FSA administrator) processes your claim and sends you a reimbursement by direct deposit or check. You may elect to have your reimbursements placed directly into your checking or savings account by adding direct deposit information into IowaBenefits when you enroll. 
  • The automatic payment option allows you to be reimbursed for expenses without having to submit claim forms or supporting documentation.

Health FSA

A Health Flexible Spending Account (HFSA) is for eligible health care costs such as copays, prescriptions, deductibles, coinsurance, and for health, dental and vision services for you, your spouse, and your dependents. 

With the Health FSA, certain medical expenses for you and your eligible family members can be reimbursed. Medical expenses eligible for reimbursement include most medically necessary health care expenses which are not paid through medical or dental insurance plans. Your share of health and dental insurance premiums are not eligible for reimbursement from the Health FSA since premiums are made with pretax dollars.

Information on commonly claimed expenses is available at the ASI Flex Eligible Expenses website or contact ASI Flex customer service at 800-659-3035.

Maximum Annual Health FSA Election
The maximum Health FSA contribution is $2,700 in 2020. This limit is per employee, not per household. A state employee’s limit is not lowered if the employee’s spouse also contributes to a health FSA plan, whether the spouse also works for the State or works elsewhere.

Carryover Amount
Up to $500 of unused 2019 Health FSA contributions remaining at the end of 2019 can be carried over to reimburse expenses incurred during calendar year 2020. The carryover will not reduce your 2020 election, but must be used in 2020 or it will be forfeited. The carryover of up to $500 is in addition to the State’s annual plan limit of $2,700.

Dependent Care FSA

A Dependent Care Flexible Spending Account (DCFSA) is for the expenses of child care under 13 or an adult incapable of self-care so you and your spouse, if any, remain able to work. The Dependent Care FSA expenses eligible for reimbursement up to the annual maximum limit include:

  • Care of dependent children under age 13.
  • Care of adult disabled dependents.

Information on commonly claimed expenses is available at the ASI Flex Eligible Expenses website or contact ASI Flex customer service at 800-659-3035.

Maximum Annual Dependent Care FSA Elections
The maximum annual Dependent Care FSA contribution is $5,000 per household ($2,500 if you are married and file a separate tax return).

Grace Period
The grace period for the Dependent Care FSA allows you to incur eligible expenses through March 15, 2021. For instance, if your 2020 Dependent Care FSA election is $5,000 and you incur claims totaling $4,400 in 2020, you can incur claims for $600 from January 1, 2021-March 15, 2021, and be reimbursed from your 2020 Dependent Care FSA.
 
Any changes to your FSA elections will be reflected on your pay warrant issued January 3, 2020.


Life Insurance

The State of Iowa's life insurance plan provides your family financial protection in the case of your death. Each year, you can make changes to your supplemental life insurance coverage during the Enrollment and Change period.

Basic Life Insurance
The State pays 100 percent of the premium for basic life and accidental death and dismemberment (AD&D) insurance. The amount of coverage is:

Eligible Employees Basic Life Insurance*
All employees except SPOC-covered $20,000
SPOC-covered employees $50,000

* Age reductions apply beginning at age 65.

Supplemental Life Insurance
In addition to the basic life insurance coverage, you have an opportunity to elect supplemental term life insurance at group rates. 

Eligible Employees Minimum Amount of Supplemental Life Insurance Available* Maximum Amount of Supplemental Life Insurance Available*
All employees except SPOC-covered $5,000 $100,000
SPOC-covered employees $25,000 $250,000

* Age reductions apply beginning at age 65.

Rates for supplemental life insurance can be found at the 2020 Enrollment and Change web page and IowaBenefits.
Increases, decreases, or cancellation of supplemental life insurance are made in IowaBenefits.

Increasing Your Supplemental Life Insurance
During the Enrollment and Change period, you may elect to increase your supplemental life insurance coverage up to the maximum allowed of $100,000 ($250,000 for SPOC-covered employees). Any increases to your supplemental life coverage must be approved by The Standard Life Insurance Company before becoming effective.

When you make an election to increase your life insurance coverage in IowaBenefits, you will be prompted to complete Evidence of Insurability (EOI) online. The EOI for additional supplemental life insurance you elect during the Enrollment and Change period must be on file with The Standard by December 28, 2019. If the EOI is not on file by December 28, 2019, your request for additional supplemental life will be denied.

If approved, the increase in supplemental life coverage will be effective January 1, 2020, or the first of the month following written notification of approval by The Standard.

Decrease or Cancellation of Your Supplemental Life Insurance
During the Enrollment and Change period, you may elect to decrease the amount or cancel your supplemental life insurance. The decrease or cancellation does not require approval and will be effective January 1, 2020. 

No Change in Your Supplemental Life Insurance
If you do not want to change the amount of your supplemental life insurance, you do not have to re-elect the amount in IowaBenefits. Your 2019 election will carry forward into 2020.

Life Insurance Beneficiaries
The Enrollment and Change period is the perfect time to review, add, or change your life insurance beneficiaries, even though life insurance beneficiaries can be added or changed in IowaBenefits at any time during the year. 

If you still have not added your life insurance beneficiaries in IowaBenefits, don’t delay. Having an up-to-date beneficiary designation will help ensure your life insurance benefits are directed where you intend. To assist you with updating your beneficiaries, DAS-HRE a brief video to demonstrate how to update your beneficiaries in Iowa Benefits.  


Premium Conversion Plan

The Premium Conversion Plan allows you to pay your share of health, dental, and supplemental life insurance before federal, state, and FICA taxes are calculated. By deducting premiums from your salary on a pretax basis, you save money on your income and FICA taxes.

All employees are enrolled in the Premium Conversion Plan at the time they are hired, unless they opt out during their first 30 days of employment.

If you wish to change your participation in the Premium Conversion Plan for 2020 (elect into or out of this benefit), complete the Premium Conversion (Pretax) Program form and send it to your Human Resources Associate. If you choose to change your participation, you may not make another change until the 2020 Enrollment and Change period, unless you have a qualifying life event.
 


Updated 09/30/2019