Open Enrollment 2020/2021

Welcome to Open Enrollment 2020/2021!

Attention All Full Time and other Health Insurance Eligible Employees:

It's open enrollment time! This year we are delivering open enrollment meeting differently do to COVID and social distancing practices. First, Norwest Insurance has produced  a very well done video about open enrollment and plan changes forthcoming in the 2020-2021 plan year. This will be followed up by Question and Answer teleconferences to be held the week of October 19th.

We strongly encourage eligible staff members to review this material carefully, view the video and participate in the Q&A teleconferences.

Questions & Answers

What is open enrollment?
  1. Open Enrollment is your once per year opportunity to make changes, enroll for the first time, add or remove dependents.
  2. Decisions made during Open Enrollment are generally binding for the entire plan year and cannot be changed until next year's Open Enrollment unless there is a qualifying event. 
What's new in STEL's health plan for 2020-2021?

Well, there are a few important changes you should know.  All changes are effective December 1, 2020, unless otherwise noted.
  1. The employee contribution for the SINGLE plan will remain the same at $0.00/mo.. The employee contribution for the FAMILY plan will increase to $225.00/mo.. This will result in a $112.50 payroll deduction per paycheck for the first two paychecks of each month.
  2. NO changes to STEL's plan deductible for medical related services.
  3. Maintenance prescriptions (monthly on-going medications) will now be required to be ordered and processed through CAREMARK/CVS mail order service OR available for pickup at your local CVS pharmacy. You will only pay two co-pays instead of three for a 90 day supply of your medication. Please see the Open Enrollment 2020-2021 Online Video below for additional information.  Note: the most important thing to remember is you can contact Rx Benefits Member Services department at 800.334.8134. Rx Benefits Member Services can first explain the process to you then warm transfer you over to Caremark’s mail order team. If you have a valid 90-day prescription at another pharmacy, Caremark can request for the prescription to be transferred. If you only have a 30-day supply prescription, you will need to contact your physician and request a 90-day supply prescription. You will need to tell your physician/provider that CVS Caremark mail order pharmacy is your new pharmacy  and the phone number is 800-966-5772.
  4. Beginning January 1, 2021, our plan will have a new generic (dispense as written) policy. This policy will ensure you and your prescriber are choosing generic medications when available. Please see the Open Enrollment 2020-2021 Online Video below for additional information.
  5. Beginning January 1, 2021, the cost of your specialty medication is changing! Pay $0 with The PrudentRx Copay Program. As part of your prescription plan with CVS Caremark, the PrudentRx Copay Program allows you to get your specialty medications at no cost to you. That means $0 out-of-pocket for any covered specialty medications on your plan’s Exclusive Specialty Drug List when you fill at CVS Specialty. If Applicable: PLEASE REFERENCE LETTER FROM RxBENEFITS FOR MORE DETAILS.
  6. Added FITWORKS activity to earn your Fitworks points.
Open Enrollment 2020-2021 Online Video

To learn more about STEL's Medical Plan and Flexible Spending Account Plan please watch the open enrollment video - click on the link below.

Teleconference Schedule

Session 1
When: Tue Oct 20, 2020 10am – 10:30am (EDT)
Who: Hultberg, Krystal
Meeting ID:     914 7248 4905
Call In  #:    +1 646 558 8656 US (New York)

Session 2
When: Wed Oct 21, 2020 2pm – 2:30pm (EDT)
Who:: Hultberg, Krystal
Meeting ID:      957 3783 7355
Call In  #:    +1 646 558 8656 US (New York)

Session 3
When: Thur Oct 22, 2020 2pm – 2:30pm (EDT)
Who: Hultberg, Krystal
Meeting ID:      939 4599 2446
Call In  #:        +1 646 558 8656 US (New York)

Session 4
When: Fri Oct 23, 2020 10am – 10:30am (EDT)
Who:: Hultberg, Krystal
Meeting ID:      978 3754 2483
Call In  #:        +1 646 558 8656 US (New York)

Questions?
If you have a question you would like to ask Krystal Hultberg, but don't want to ask it during the Q&A session you may submit your question here. Krystal Hultbert will answer the question at all sessions.

Open Enrollment Q&A 2020/2021


What To Do Next?
  1. View the Open Enrollment Online Video Review
  2. Attend an Open Enrollment Q&A Session
  3. Submit a question to Krystal Hultberg
  4. View all form, documents & information sheets below
  5. Submit an election form (required), new medical insurance enrollment/change form (if applicable) AND flexible spending account enrollment form (if applicable) to Vivian Swan (swanv@stel.org) via email (scan) or FAX to 716-366-7840. No later than October 30, 2020.
Forms, Documents, & Information Sheets
STEL's Flexible Spending Account Plan: