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Benefit Plan Enrollment

2015 Open Enrollment for Retirees

Baltimore County's annual Open Enrollment for benefit plans is underway for retirees only. The retiree Open Enrollment period ends December 5.

All changes to coverage requested during Open Enrollment will take effect on January 1, 2015.

Flexible Spending Accounts for health care and day care require re-enrollment every year.

Important Changes

100 Percent Coverage on Many Preventive Services

Many preventive services are now covered at 100 percent on the Cigna OAPIN and Kaiser plans. This is includes adult annual physicals, well child visits and annual gyn exams. Generic contraception and some contraceptive devices are also now covered at 100 percent.

Prescription Copay Changes for Cigna OAPIN, Cigna OAP and Kaiser HMO

  • Generic: $12 retail (1-month supply); $24 mail (3-month supply)
  • Brand Formulary: $30 retail (1-month supply); $60 mail (3-month supply)
  • Brand Non-Formulary: $45 retail (1-month supply); $90 mail (3-month supply)

Kaiser Prescriptions purchased at a Community Pharmacy will have a higher copay.

Review Your Dependents

Review the dependents on your plans. In early 2016, every employee with medical coverage will be issued form 1095, a statement of your health coverage for each month of 2015 and the dependents you are covering. Please use the upcoming Open Enrollment period as a time to review the County’s eligibility rules to ensure that your dependents are eligible for cover. If you are covering dependents who are no longer eligible, please remove them during Open Enrollment. All covered dependents will be listed on form 1095, which you will be submitting with your tax return.

Eligible dependents are: legal spouse, biological child, adopted child, current step-child, child over age 26 incapable of self-support due to mental or physical incapacity.

It is your responsibility to remove a covered dependent child or spouse immediately when he or she no longer meets dependent eligibility criteria. Your ex-spouse and any step-children are no longer eligible as soon as your divorce becomes final. 

Overview of Benefit Plan Choices

We continue to offer the following plans:

Medical Plans

  • Cigna Open Access Plus In-Network
  • Cigna Open Access Plus
  • Kaiser Permanente Select HMO

Dental Plans

  • CareFirst BCBS Traditional Dental
  • CareFirst BCBS Preferred Dental PPO
  • CIGNA Dental Care HMO

Vision Plan

  • CareFirst Davis Vision

Other Plans

  • Flexible Spending Accounts
  • Basic, Legacy and Additional Life Insurance

Retiree Medicare Plans

  • Cigna Medicare Surround
  • Kaiser Permanente Medicare Plus

Open Enrollment Meetings

This year’s meetings will give employees and retirees the opportunity to meet individually with all plan representatives. The meetings will also include plan materials and promotional items as well as healthy lifestyle information. View the list of dates, times and locations.

Review Your Current Benefits and Dependents

Benefit Confirmation Statements will be mailed in early October to employees and retirees at their home addresses. Please review your statement carefully, as it identifies your current benefits, dependents, and current and new costs for those benefits.

Who Must Re-enroll During Open Enrollment 2015

You will be required to re-enroll online if any of the following applies to you:

  • You want to enroll in a Medical, Dental or Vision plan for the first time.
  • You want to change your health or dental plan election.
  • You need to add an eligible dependent to your benefit plan(s).
  • You need to remove a dependent who is no longer eligible for benefits.
  • You want to continue or enroll in a Flexible Spending Account for Day Care Expenses or for Health Care Expenses.

Online Enrollment Process

Baltimore County continues to offer the Employee Self Service (ESS) system that allows you to enroll in County benefits and to request changes to your benefits during Open Enrollment at www.baltimorecountymd.gov/mybenefits. When accessing ESS, continue to use your current password as you have been when viewing your paycheck.

If you have questions about your user ID or password, please contact the Service Desk at 410-887-8200.

Active Employees are required to enroll online. Retirees continue to have the option of a paper enrollment application or online enrollment. If you are retired and you wish to complete a paper application, contact the Insurance Division at 410-887-2568 or 1-800-274-4302.

Important: Once you have made your final selections in ESS be sure to select the “finish” button in section five. Once you select the finish button you may not change your enrollment. You may check your benefits in ESS at anytime throughout the year by selecting Benefits/Deductions under the My Info tab.

Revised November 5, 2014

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