WHICH BENEFITS AUTOMATICALLY ROLL OVER TO 2022?
• Your 2021 health, dental, and vision enrollments will roll over into 2022 if no action is taken during open enrollment.
Please be sure to review your 2021 enrollments here in Paylocity. Make sure to review and update your dependents and beneficiaries and plan for any changes for 2022 (examples: marriage or domestic partnership, divorce, birth/adoption/placement of a child, etc.)
WHICH BENEFITS DO NOT ROLL OVER AUTOMATICALLY?
If you want to carry any of these benefits in 2022 – you must actively enroll in Paylocity during Open Enrollment:
FLEXIBLE ACCOUNTS:
• Flexible Spending Account • Limited Purpose Flexible Spending Account
• Dependent Care Flexible Spending Account
• QTB/ Parking Reimbursement Account
• Health Reimbursement Account (only if over 65 and enrolled in a High Deductible Health Plan)
HEALTH SAVINGS ACCOUNT
• If you want to contribute to your Health Savings Account (HSA) in 2022 – you must elect a dollar amount to contribute in Paylocity for 2022.
HOW DO I PICK THE RIGHT HEALTH PLAN FOR MYSELF AND MY FAMILY?
While there is no magic formula or guarantee what your health coverage needs will be for next year, a good strategy is to look back at your health plan utilization in 2021 and then estimate what you think you will need in 2022.
• Look over your health care claims and expenses from the past year using the Excellus website (www.excellusbcbs.com) or by reviewing your benefit summary statements that are mailed to your home from Excellus.
• Next, use the “Ask Emma” tool in Paylocity during Open Enrollment and enter your forecasted utilization for 2022. This tool will make a recommendation of which plan may best fit your needs.
WHERE DO I ENROLL IN MY BENEFITS?
You may enroll in Paylocity when the Open Enrollment window activates Monday, November 8 th . The Open Enrollment window closes Friday, November 19th .
WHO CAN I CONTACT IF I HAVE PROBLEMS ENROLLING?
Nate Staples, Benefits & Wellness Program Manager at nstaples@ccsi.org or 585-341-2235
WHAT DO I DO IF I HAVE LOGIN OR OTHER IT ISSUES FOR OPEN ENROLLMENT?
Place a service request ticket through Team Dynamix (TDX).
HOW DO I KNOW IF I SUCCESSFULLY ENROLLED IN MY BENEFITS?
At the end of your enrollment, through Paylocity, you will be given the option to print or email yourself a benefit confirmation statement for 2022.
HOW CAN I FIND AN IN-NETWORK VSP (VISION) PROVIDER?
Visit VSP website at www.vsp.com or call VSP directly at 800-877-7195
• Monday-Friday: 8 am – 9 pm • Saturday-Sunday: 10 am – 8 pm
Note: VSP Vision plan does offer out-of-network coverage.
Visit VSP website www.vsp.com for details on differences between in-network and out-of-network coverage.
IF I HAD AN FSA IN 2021, BUT DO NOTHING DURING OPEN ENROLLMENT, WHAT WILL HAPPEN?
Your 2021 FSA election will not automatically roll over to 2022, so you will need to elect your 2022 contribution amount during Open Enrollment. You may not change your annual contribution amount after it has been elected unless you experience a corresponding qualifying event during the year.
WHAT HAPPENS IF I HAVE REMAINING FUNDS IN MY HEALTH CARE FSA OR LIMITED PURPOSE FSA AT THE END OF THE YEAR?
You will have 90-days, following the end of the calendar year to make any claims for 2021 with remaining funds from the Health Care FSA or Limited Purpose FSA. At the end of the 90-day “Runout Period”, the amount that remains from 2021, up to $500, will roll forward to your 2022 FSA. Note that it is not possible to use 2021 carryover funds for 2022 expenses until after the 90-day “Runout Period” is complete.
WHAT IS A DEPENDENT CARE FSA?
A Dependent Care FSA is a tax-advantaged savings account designed to help you save money on qualified childcare expenses for a dependent child under 13, or qualified care expenses for a dependent adult. Savings come from setting aside pre-tax dollars to pay for these expenses.
HOW DOES A LIMITED PURPOSE FSA WORK?
If you enroll in a High Deductible Health Plan and contribute to an HSA, you are also allowed to contribute to a Limited Purpose FSA. This type of FSA can provide reimbursement for qualified dental or vision care expenses, but it cannot reimburse out-of-pocket medical expenses.
WHEN CAN I CHANGE MY HSA CONTRIBUTION?
You can change your HSA contribution amount any time during the year. However, Open Enrollment is the best time for eligible employees to certify to receive CCSI’s HSA contributions. Additionally, if you contributed to your HSA in 2021, your elected contribution amount will not roll over to 2022. So, although you can make changes to your contribution amount at any point throughout the year, please note that action is required during Open Enrollment if you’d like to begin contributing to your HSA at the start of 2022.
HOW DO I RECEIVE CCSI’s CONTRIBUTION TO THE HSA?
To receive HSA funding, you must:
• Have an HSA or open an HSA with a financial institution and give this information to CCSI’s payroll department. It must be an HSA account and not be a regular savings account.
• Give your financial institution’s HSA information (account number and bank routing number) to CCSI’s payroll department no later than December 15, 2021 in order to receive the full CCSI contribution.
• HSA accounts opened or information presented to CCSI’s payroll department after the first payroll of 2022 has been processed will result in pro-rated CCSI contributions being deposited into your HSA account. CCSI will not make retro-contributions to an HSA if there is a delay in opening the account or providing the account information to the payroll department.
IF I AM CURRENTLY ENROLLED IN A HIGH DEDUCTIBLE HEALTH PLAN AND CONTRIBUTE TO AN HSA, BUT SWITCH TO THE HYBRID OR COPAY PLAN FOR 2022, WHAT WILL HAPPEN TO THE REMAINING FUNDS IN MY HSA? CAN I CONTRIBUTE TO A HEALTH CARE FSA?
Any balance remaining in your HSA is yours to use on qualified out-of-pocket medical, dental and vision expenses, even if you switch health care plans. If you enroll in a Hybrid or Copay plan for 2022 plan year, you will be able to enroll in and contribute to a Health Care FSA, but you will not be eligible to continue contributions into your HSA.
WHAT ARE DEDUCTIBLES, COPAYS, COINSURANCE, AND OUT-OF-POCKET MAXIMUMS (OOPM)?
• A deductible is the amount of out-of-pocket expense that you must pay for health services before the plan begins to pay benefits for covered services.
• A copay is a fixed dollar amount you must pay a provider at the time services are received.
• Coinsurance is the percentage of the fee that the plan pays for covered services. • Out-of-pocket max is the maximum amount you pay each plan year. Once you meet your out-of-pocket maximum, eligible expenses are covered in full.
HOW IS MY MEDICAL COVERAGE AFFECTED FOR ME AND/OR MY SPOUSE WHEN ONE OF US TURNS 65 YEARS OLD?
If you are still actively working and you or your spouse turn 65 and become Medicare-eligible, your Health Plan through CCSI would continue paying primary. If you or your spouse enroll in any parts of Medicare, Medicare would act as secondary coverage. If you have an HSA account, you can continue to contribute as long as you are not enrolled in any parts of Medicare. If you enroll in any parts of Medicare (including Part A, B, C or D), you can no longer contribute pretax dollars to the HSA account. (If you would like to contribute to an HSA, you should not enroll in any part of Medicare coverage. And if you are collecting Social Security benefits, you cannot waive Medicare Part A coverage.)
In these instances, CCSI offers a Health Reimbursement Account (HRA) benefit where CCSI contributes a reimbursement amount for you to use for qualified expenses.
WHAT IS THE ASK EMMA TOOL AND WHY SHOULD I USE IT?
Ask Emma is an interactive benefits tool that will guide you through the benefit plan selection process, explaining terminology, plan differences, and comparing cost estimates.
WHAT OTHER BENEFITS, TAX STATUS, OR PERSONAL DATA CAN BE CHANGED THAT ARE NOT NECESSARILY PART OF OPEN ENROLLMENT?
Through Paylocity Self Service Portal, you can update: name, contact details, dependent information, emergency contacts, direct deposit accounts/amounts, federal/state tax withholding, education history, and much more.
Through Empower RetireSmart website or app, you may: change payroll deferral percentages to traditional and/or Roth 403(b) accounts and update investment fund allocations.
If I have a domestic partner and we are enrolled in a 2-person High Deductible Health Plan can my Domestic Partner also use my HSA?
HSA can only be used if your Domestic Partner is a tax dependent.
The IRS made an adjustment in 2020 to make more items eligible to fund with HSA due to COVID19. Is this true, and if so, will the change be applied in 2022 also?
In response to the COVID-19 pandemic, the IRS expanded HSA eligible expenses to include over-thecounter drugs and feminine hygiene products. Currently, there is not an end date to that expansion.
Is there a list for Excellus’ preventive drugs that apply to our plans?
The list is available on the Open Enrollment Page under Health and Welfare. Here is the link: https://inside.ccsi.org/CCSIPortal/media/content/PDFs/2022-Preventive-Drug-List.pdf
Is orthodontia up to a certain age to qualify on the Dental Plan?
An orthodontia allowance is available on the Dental High plan for children under age 19. Adult orthodontia is not offered on either Dental plan.
Will Guardian’s Voluntary Life Insurance cover a domestic partner?
Yes. Voluntary spouse/partner benefit can be used for your domestic partner. You must enroll in voluntary employee life insurance to be able to enroll in voluntary spouse/partner life insurance.
If there is a pre-existing condition what is the waiting period for Guardian’s Voluntary Short-Term Disability Insurance?
Guardian has a 3-month lookback period for pre-existing conditions. Any condition that was treated in that 3-month lookback will not be paid for on the Voluntary Short-Term Disability plan for 12-months.
Is COVID-19 considered short-term disability if you are out 2 weeks?
COVID19 is covered by disability benefits only if your healthcare provider certifies you are medically unable to work. Benefits would start after the waiting week (or day 8 of disability). You could work remotely if you are asymptomatic.
Is there a minimum age to use EZAccessMD services?
Yes. EZAccessMD cannot provide services to children younger than 2 years old. Dependent children up through age 26 may use the service.
Is there a buyout if we don't enroll in benefits?
No. Cash or credit buy-outs are not available for 2021 benefits. This is because all benefit eligible employees are able to enroll in benefits at any open enrollment and they could be qualified for special enrollment period during the year for qualified life events.
A couple of my healthcare providers bill me as an "Out of Network." Is that due to the fact I don’t live in the Rochester area?
No. Out of Network is not based on location. Out of Network means your healthcare provider does not participate in the Blue Cross Blue Shield insurance program.
If an employee works 32 hours a week (8-hour days for 4 days) will they still get 8 hours for the VTO?
And would this answer also apply to holidays and floating holidays? Yes, employees who work Part-Time or a schedule that is not 5-days per week are eligible for the full number of hours that they are regularly scheduled on the day of the VTO or Holiday. Note that VTO can only be taken on a regularly scheduled workday. For CCSI designated Holidays, an employee will only receive Holiday pay if they are regularly scheduled on the day that the observed Holiday falls. For example, if an employee is scheduled for 8- hours per day Tuesday through Friday, they would receive the full 8-hours for a Holiday that is observed Tuesday through Friday, but they would not receive any Holiday pay if the observed Holiday falls on a Monday.
Can an employee decide how to use floating holidays, or are there specific program requirements?
CCSI programs may designate certain days for the three floating holidays to be used. If the program does not designate certain days, the floating holidays can be used by the employee at their discretion. Partner with your supervisor to determine if you must save your floating holidays for certain days or if you can use them when you choose.
There are gym membership discounts? Is this a new benefit?
Gym membership discounts are not new, but there are new ways to take advantage of these discounts through Excellus Blue 365 discount program or through CCSI’s Benefits Hub.
If you attempt to use HSA card at a pharmacy for non-prescription drugs, should it be assumed that if it goes through at the store’s Point of Sale system then that item is covered?
There are two types of HSA’s, Open and Closed. An Open HSA would allow you to buy anything (Milk, Eggs, an Xbox, etc.) with your card and use it at any terminal. Under an Open HSA, it is your responsibility to make sure that you are only using the funds for qualified medical, dental and vision expenses incase you are audited. Under a Closed HSA, you will only be able to use your card for certain items and at certain terminals, including pharmacies and doctor’s offices.
Will Roberts Wesleyan College allow for discount tuition for older children? For instance, an adult child?
The Roberts Wesleyan College tuition discount can be used for the employee, their legal spouse, and any children that can legally be claimed on the employee’s current year tax return.
What is the maximum age for a child to be covered under Guardian’s Voluntary Life Insurance?
An employee’s child can be covered under the Guardian Voluntary Life Insurance if they are age 14-days to 20-years. Disabled children may be able to stay on the plan longer.
Where can we find the 19% discount on Verizon Wireless Phone Plans?
Go directly to Verizon (or log onto your Verizon Wireless account) to apply or verify your discount. You may need to verify employment through a ccsi.org email, and if you don’t have a ccsi.org email, you may verify employment by providing a copy of your paystub (that you can download in Paylocity).
When do all these benefits start?
Some of these benefits carry over from 2021 to 2022. If this a new benefit (or new to you) they will start as of 1/1/2022.
Does the NY Non-Profit Buying Exchange (health insurance consortium) add new non-profits each year to help drive down the cost of health insurance?
Yes! There are currently 25 non-profits in the consortium and many more wish to join. However, Brown and Brown, Excellus, and the NY Non-Profit Buying Exchange evaluate each non-profit who wishes to participate to be sure they are “good risk” employers. That means that these employers are larger (over 100 full-time employees), have a good history of health claims, and will actively participate in wellness initiatives to continue to drive down costs. The consortium has had to dismiss non-profits in the past for not meeting these criteria.
Where can I find the list of Holidays for 2022?
CCSI’s holiday and payroll schedule for 2022 will be posted on the Open Enrollment intranet page (in red) under important meetings and dates.