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Open Enrollment Questions and Answers

Audience: U.S.  employees

Type: Information about 2019 U.S. Benefits Open Enrollment.

U.S. Benefits Open Enrollment runs from November 1-15, 2018 for the 2019 Plan Year. All changes go into effect on January 1, 2019.
 

Health Care Plans

Q: What are my medical plan options for 2019?

A: The current Anthem HSA and PPO plans will still be available in 2019. The Anthem HRA plan is sunsetting on December 31, 2018, as announced at Open Enrollment in 2016 – current members will need to select a new medical plan for 2019 or will be enrolled in the Anthem HSA.

Kaiser will still be available to employees in California.

Q. If I enroll in the Anthem HSA plan, will the balance in my Anthem HRA carry over?

A.
If you enroll in the Anthem HSA plan, your HRA balance will not be transferred to the Anthem HSA – the funds will be forfeited. To see your current HRA balance, visit MyQHealth (through Veritas Single Sign-on).

Q. How can I find out if my medical provider(s) are in the Anthem network?

A. Quantum Health Care Coordinators can help you determine if your medical provider(s) are part of the Anthem network.

Alternatively, you can use Anthem’s online provider-search tool:

Q. How are my prescriptions covered under the Anthem plans?

A. The Anthem medical plans offer both retail and mail-order prescription drug coverage through WellDyne. To see if your prescriptions are on the WellDyne list of approved medications, review the Prescription Drug List or call Quantum Health at 1-888-982-8188 between 5:30 a.m. and 7:00 p.m. Pacific Time Monday through Friday for assistance.

Q. Will I get a new medical plan ID card for 2019?

A. If you newly enroll in an Anthem plan for 2019 or change plans, you’ll receive your  ID card(s) in December. Beginning January 1, show your Anthem ID card whenever you access medical care or fill a prescription. If you were enrolled in an Anthem plan in 2018 and stay in that same plan, you should continue to use the same ID card in 2019.

If you live in California and enroll in the Kaiser medical plan for the first time, you’ll receive a new Kaiser ID card in December. Current Kaiser participants should continue to use the same ID card in 2019.

Q. I’ve received a letter from WellDyne regarding a change to how my prescription is covered.  What does this mean?

A. WellDyne has several Well Managed pharmacy programs that apply to generic, preferred, and hyperinflationary drugs.  To keep pharmacy costs competitive, these programs have you try clinically appropriate, lower cost alternatives. A list of alternative drugs was sent in the letter you received. Work with your doctor to determine the right fit for you. Some prescriptions under these programs may not be covered in 2019, so it is important to find the right fit now.

Q. Will there be changes to the current dental and vision plans?

A. There will be no changes to the dental and vision plan designs for 2019.

Q. Will there be changes to the costs of health care plan coverage?

A. Your costs of coverage under the medical, dental, and vision plans will receive a low to moderate increase in 2019, in the context of raising healthcare costs. Paycheck contributions for 2019 can be found on pages 20-21 of the Benefits Enrollment Guide.

If your spouse or partner is eligible for medical coverage from his or her employer but declines to participate in favor of participating in your Veritas coverage, you’ll pay a $50 surcharge each pay period to cover him or her under your plan.

Q. When will I receive the Veritas contribution to my HSA?

A. The Veritas contribution to your HSA will be funded twice a year – half in January and half in July (as long as you are still employed by Veritas).

Resources

Q. What services can MyQHealth (Quantum Health) Care Coordinators provide?

A. During Open Enrollment, Care Coordinators can help you understand how the Anthem medical plans work and help determine if your current providers are part of the Anthem network.  

To speak with a Care Coordinator, call 1-888-982-8188 between 5:30 a.m. and 7:00 p.m. (PT) Monday through Friday.

Q. Is there a MyQHealth website or app I can access?

You can access MyQHealth through Veritas Single Sign-on or at www.VeritasCareCoordinators.com, or download the MyQHealth app to your smartphone. From there, you can print an ID card, see recent claims activity and deductibles, and live chat, email, or schedule a call with a Care Coordinator. The site also allows you to single sign-on to VSP, Metlife and WellDyne – a one-stop shop to view your benefits information!

Q. Whom do I contact if I have questions about the online enrollment process?

A. If you have questions about the online enrollment process, please contact the Veritas U.S. Benefits Helpdesk at 1-866-288-3249. Representatives are available from 7:00 a.m. to 5:00 p.m. PT Monday through Friday.

Q. What happens if I don’t complete the online enrollment process?

A. If you don’t complete the online enrollment process by November 15:

  • Your current medical plan election will remain the same for 2019 with the exception of the Anthem HRA plan which will sunset on December 31, 2018. Anthem HRA plan members will need to select a new plan for 2019 – if no action is taken during Open Enrollment, Anthem HRA members and their covered dependents will be automatically enrolled in the Anthem HSA plan effective January 1,2019.
  • Your current dental, vision, life, accidental death and dismemberment, long-term disability, critical illness, and group legal insurance elections will remain the same for 2019.
  • If you waived coverage in 2018, it will remain waived in 2019.
  • Your participation in a Flexible Spending Account (FSA) or Health Savings Account (HSA) will end; your current elections will not automatically roll over to 2019.

Please take the time to review your 2019 benefits options and select the coverage that’s right for you and your family. Benefit selections cannot be changed once Open Enrollment ends unless you have a qualified status change.

General 

Q: How can I confirm who is eligible to participate as a dependent under the Veritas sponsored benefit plans?

A: Visit the eligibility section for details on who is or is not eligible to be a dependent.

Q: What happens if I am newly hired or experience a life event change (have a baby, get married, etc.) from the beginning of Open Enrollment to January 1, 2019?

A: If you have just been hired by Veritas or have had a qualified status change, you must submit your elections for both plan years in a two-step process. Refer to the New Hire Benefits section to walk you through the process.

Q: What happens if I am on a Leave of Absence (LOA) during Open Enrollment?

A: If you are on an LOA during Open Enrollment, you will receive a personal email communication from Total Rewards indicating that you are able to make certain changes for your 2019 benefits, including medical, dental, vision, and Health Care Flexible Spending Accounts (if you are returning to active full-time status prior to January 1, 2019).

Your coverage under Business Travel Accident, Short-Term Disability (STD) and Long-Term Disability (LTD) will have ceased as of midnight on the last day of your active status. Open Enrollment elections for these benefits are not available.

Q: What is the working spouse surcharge?

A: If your spouse/domestic partner has coverage available to them through their employer, but you still chose to enroll them on your Veritas medical plan, you will be subject to an additional $50 per pay period deduction. Veritas is committed to providing coverage for employees and their families however the company firmly believes that if your spouse/domestic has coverage available through their employer that it is their employer's responsibility to provide this coverage. It is your responsibility to confirm that the information you provide is correct when you enroll on Mercer BenefitsCentral.

Q: What is the tobacco contribution?

A: Veritas encourages all employees to adopt healthy behaviors and is providing tobacco cessation support to employees who would like to quit. However, if you or your enrolled spouse/domestic partner chooses to use tobacco products, you will pay an additional $50 per pay period deduction. If you and your spouse/domestic partner uses tobacco, you will pay an additional $100 per pay period deduction. It is your responsibility to confirm the information you provide is correct when you enroll on Mercer BenefitsCentral.

Q: What if my dependent child is a tobacco user?

A: The tobacco contribution does not apply to dependent children; however, if you enroll your dependent children under your medical plan, they will be able to participate in the cessation support programs through the medical plan in which they are enrolled.

 
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