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2021 Enrollment and Change Period

The 2021 Enrollment and Change period is:  

September 28 - October 30, 2020

This is the only time that you can make changes to your health insurance, dental insurance, flexible spending accounts, or life insurance, unless you have a qualified life event during the year.  Please use this enrollment and change period as an opportunity to review your benefits.


QUICK LINKS

Important Dates to Remember 2021 Benefit Changes DAS Flexible Spending Account website
2021 Premiums 2021 Benefit Highlights  
Iowa Benefits Benefit Elections  
Health Insurance Resources Forms  
Dental Insurance Resources Health Insurance Notices  

HRExpress

Detailed information about the 2021 Enrollment and Change period is available in HRExpress

Important Dates to Remember

October 30, 2020 - 2021 Enrollment and Change period ends. 
December 18, 2020 - 2021 health and dental premiums are reflected on your pay warrant.
December 29, 2020 - If you elected to increase your supplemental life insurance, the Evidence of Insurability (EOI) must be filed with the Standard Life Insurance Company.
January 15, 2021 - 2021 Flexible Spending Accounts elections are reflected on your pay warrant.

Schedule of 2021 Enrollment and Change and Flexible Spending Accounts Webcasts

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2021 Premiums

Iowa Benefits

Health and Dental Insurance IowaBenefits link
All employees except SPOC-covered IowaBenefits Instructions 
SPOC-covered employees Customer Service 
Life Insurance Premiums ASIFlex 800-659-3035
All employees except SPOC-covered Delta Dental 888-411-2696
SPOC-covered employees Wellmark 800-659-3035
How to Increase Supplemental Life Coverage in IowaBenefits

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Health Insurance Resources

Dental Insurance Resources

Iowa Choice/National Choice Side-by-Side Comparison  Delta Dental Premier/PPO Summary
Iowa Choice SPOC Delta Dental Summary
Iowa Choice Summary of Benefits and Coverage (SBC)  
National Choice  
National Choice Summary of Benefits and Coverage (SBC)  
Alliance Select (SPOC-covered employees)  
Alliance Select Summary   
Alliance Select Summary of Benefits and Coverage (SBC)  
Prescription Drug Information  
Wellmark's Prescription Drug Information website  
Wellmark Customer Service 
800-622-0043 | 888-781-4262 (TTY)
 

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Forms

Waiver of Life and Long Term Disability Insurance 
Premium Conversion Election form (Only complete if you want to make a change) 

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2021 Benefit Changes

New Prescription Drug Tier for Iowa Choice and National Choice

Beginning in 2021, Iowa Choice and National Choice will have an additional prescription drug tier. Tier 4 will have a $75 copay for a 30-day supply. 

Drugs located on Tier 4 are available in other lower-cost formulations on lower tiers of the formulary. Tier 4 drugs are the least cost-effective products within a class of drugs. Drugs providing the greatest value are available on a lower tier of the formulary and are more affordable.

If you are currently taking a drug which will be a Tier 4 drug in 2021, Wellmark will notify you in December.

Double Spouse Options

If you and your spouse are both State of Iowa employees, the option where each spouse pays half of the employee’s share of the health and/or dental premium amount will not be available.

Spouses who are both State employees will have two health and dental options beginning in 2021:

  • Option One:  One spouse can be the contract holder of the health option and cover all family members. The other spouse would decline coverage in IowaBenefits. The contract holder pays the full employee share of the premium.
  • Option Two: If there are no family members to be covered, each spouse may elect single coverage.

Couples who currently use option of both spouses paying half of the employee’s share, make a new election in IowaBenefits.  

Note: You cannot be covered as both an employee or retiree and a dependent under the State’s health and dental insurance plans. You, your spouse, domestic partner, and dependents cannot be covered under two state policies.

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2021 Benefit Highlights

Health and Dental Enrollment for 2021

If you do not make any changes to your health and/or dental insurance during this Enrollment and Change period, your 2020 options and coverage level (single or family) for health and/or dental will automatically remain the same in 2021.

Flexible Spending Account Notice and Increase

To participate in the Health Flexible Spending Account (FSA) or the Dependent Care FSA, or both, employees must enroll each year in IowaBenefits. If you wish to enroll for 2021, you will need to go to IowaBenefits to update your election.

  • The maximum Health FSA contribution increases to $2,750 in 2021 from $2,700 in 2020.
  • The maximum Dependent Care FSA contribution remains $5,000.

Electing to Opt Out of Health Insurance

If you elected the health insurance opt-out in 2020 and want to continue the opt-out option in 2021, the election will roll over into 2021. If you want to opt out beginning in 2021, you will need to do so in IowaBenefits.

Domestic Partner

All employees covering a domestic partner need to complete an affidavit during the Enrollment and Change period. 

Dental Insurance

There will be NO CHANGES in the benefits design for the Delta Dental plan for all employees and for the plan for SPOC-covered employees. 
 
This is not an dental open enrollment for SPOC-covered employees.   
 

Benefit Elections

ACTION IS NEEDED IN IowaBenefits DURING THE 2021 ENROLLMENT AND CHANGE PERIOD IF ANY OF THE FOLLOWING APPLY TO YOUR SITUATION:
Health Insurance

  • Enroll, change, or cancel your health insurance plan. 
  • Change your coverage level.
  • Add or remove eligible family members.
  • Elect the health insurance opt-out.
  • If no health coverage is needed, decline coverage.

Dental Insurance

  •  Enroll in dental insurance.
  •  Cancel your dental insurance.
  •  Change your coverage level.
  •  Add or remove eligible family members.
  • If no dental coverage is needed, decline coverage.

Flexible Spending Accounts

  • Enroll in the Health Flexible Spending Account and elect up to a maximum of $2,750 in 2021.
  • Enroll in the Dependent Care Flexible Spending Account and elect up to $5,000 if married and filing a joint tax return, or $2,500 if married and filing a separate tax return for 2021.

Supplemental Life Insurance

  • Apply to increase the amount of supplemental life insurance up to the maximum amount available. The EOI for additional supplemental life insurance must be on file with The Standard by December 29, 2020.
  • Decrease the amount of your supplemental life insurance election.
  • Cancel your supplemental life insurance.

Premium Conversion

  •  Change whether the premiums for health, dental, and supplemental life insurance are taken pre-tax (before federal, state, and FICA tax) or post-tax (after federal, state, and FICA tax).

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Health Insurance Notices Required by Law

Notice to Medicare Eligible Participants Regarding Your State of Iowa Prescription Drug Coverage
Health Insurance Marketplace Notice “Michelle's Law” Notice 
HIPAA Privacy Practice Notice Women's Health and Cancer Rights Act

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09/25/2020