Open Enrollment

We value your contributions and continually adapt to the ever changing landscape to ensure we offer a comprehensive benefits package in order to attract and retain our most value asset, our employees.  We look for benefit service providers who are committed to assisting and supporting our employees, reflect the latest legislative and regulatory requirements, and keep us competitive.  We periodically review our benefit plans and service providers in order to ensure we receive efficient and effective service, while maintaining valuable health and retirement benefits.  

As part of our process, we strive to partner with providers who value and are committed to customer service and possess qualities consistent with the City’s core values and beliefs.  After a recent review of our claims processing service, we will be making a change to our medical, dental and flexible spending account claims processing provider effective January 1, 2018. 

WHAT IS CHANGING?

Effective January 1, 2018 the City’s third-party administrator (TPA) for medical, vision, and flexible spending accounts will change from HealthSmart Benefit Solutions to The Health Plan (“THP”).  THP is headquartered in West Virginia and has a local presence with an office in Charleston, which will service our account.  THP values health and wellness, is familiar with the health trends in our area, and maintains values consistent with the City’s vision of providing efficient and effective service.  While the TPA is changing effective January 1, 2018, the current benefit plans and rate structure will remain the same.

In the coming weeks, you will receive additional information about THP.  You will also receive a telephone call from a THP representative to answer any questions you may have, to confirm your contact information and to verify you have received your new identification card.    You will need to present your THP identification card to your health care provider for any and all services on and after January 1, 2018.

OPEN ENROLLMENT

Open enrollment for the City’s health, dental and flexible spending account (C-LECT) plans will take place November 1 through November 30, 2017.  Only employees who desire to make changes to their current coverage AND employees who are enrolled in the flexible spending account plan are required to participate.  If you do not wish to make any changes to your medical and/or dental/vision plans or re-enroll in C-LECT, you are not required to complete enrollment forms. If you are not making changes, your current eligibility will be transferred to THP and no further action from you will be required.  If you wish to make a change, you are encouraged to access the enrollment forms on the City of Charleston website at insert address 

Enrollment forms will also be available in Human Resources in Suite 304 at City Hall.

**In order to ensure timely enrollment and distribution of identification cards, enrollment forms MUST be returned to Human Resources by NOVEMBER 30, 2017. ** 

FLEXIBLE SPENDING ACCOUNT (C-LECT)

C-LECT allows employees to pay for eligible out-of-pocket health care expenses with pre-tax dollars.  The maximum annual contribution for 2018 is $2,600.  If you participated in 2017, you are eligible to carry over up to $500 that was not spent in 2017.  Once again, C-LECT will be available through Benny Cards.  If you are currently enrolled in C-LECT and desire to participate again in 2018, you must re-enroll. 

HEALTH RISK ASSESSMENTS (HRA)

Managing known health risk factors is one of the best methods to impact your health and control current and future claim costs and out of pocket expenses.  The City has partnered with CareHere, the operator of our Employee Wellness center to perform a Health Risk Assessment (HRA) for all eligible employees and covered spouses.  An HRA is a systematic approach to collecting information from individuals that identifies risk factors, provides individualized feedback, and links the person with at least one intervention to promote health, sustain function and/or prevent disease.

The main objectives of an HRA are to: assess health status, estimate the level of health risk and inform and provide feedback to participants to motivate behavior change to reduce health risks. It is generally accepted that HRAs are most effective at promoting behavior change when they are part of an integrated wellness program. The HRA is used primarily as a tool to identify health risk within a population and then target health interventions and behavior change programs to address these areas.

While all employees, retirees and covered spouses are strongly encouraged to get an HRA, any employee and covered spouse who desires to participate in the City’s discounted healthcare plan must complete an HRA and mandatory follow-up by November 30, 2017.  Retirees and covered spouses are not required to complete an HRA.  You may schedule an appointment with the nurse to complete your HRA by visiting www.CareHere.com or by calling 877-423-1330.

We thank you for your service and contributions, and are committed to providing you with the resources and information you need to understand your benefits.  Although change is not always easy at times, we want to make the transition to THP as simple as possible and do everything we can to assist you.

If you have additional questions regarding open enrollment or the City’s benefit package, please contact April Thompson, Benefits Coordinator at april.thompson@cityofcharleston.org or Maria Jones, Benefits Manager at maria.jones@cityofcharleston.org or by phone at (304)348-8015.