Human Resources

2015 OPEN ENROLLMENT

About Open Enrollment

November 1, 2014 - November 21, 2014

It's Open Enrollment Season! Open Enrollment is the time to select your benefit choices for 2015. The City will be accepting Open Enrollment changes through the Employee Online System from November 1st through November 21st, 2014. Be advised that paper enrollment forms will not be accepted. Please review the Open Enrollment Benefit Letter for important 2015 plan changes.

IMPORTANT MEDICAL PLAN CHANGES FOR 2015

Please carefully review each plan summary and rate sheet as there are important changes relative to level of benefits, plan names, premiums and number of HMO plans offered. Below are the 2015 medical plan options.

Anthem Blue Cross

Kaiser Permanente

Anthem BC 15 Plan (HMO) Kaiser 15 Plan (HMO)
Anthem BC 20 Plan (HMO) Kaiser 30 Plan (HMO)
Anthem BC PPO
As a result of the change in the number of HMO plans offered, if you do not submit an Open Enrollment request to change your medical plan for 2015, you will be automatically enrolled in the medical plan noted in our Open Enrollment Benefit Letter.

The Human Resources Department will be offering Open Enrollment informational sessions and free Flu shots. The complete schedule of informational sessions can be accessed by clicking on the link below:

Open Enrollment Benefit Letter
Schedule of Open Enrollment Informational Sessions

For complete details on the health, vision, and dental benefits for 2015, please utilize the resources on our 2015 Plan Summaries & Rates tab.

If You Have Questions...
We encourage you to use on-line resources and toll-free provider numbers to obtain answers to questions from Plan Providers (e.g. Kaiser, Anthem Blue Cross, Delta, Local Advantage, and VSP) directly. You can obtain provider contact information by accessing the Provider Directory page. Specific problems or questions (e.g. billing) that cannot be addressed by the plan providers should be sent via email to citybenefits@riversideca.gov or by calling (951) 826-5639.

Health | Dental | Vision | Flexible Spending Accounts | Additional Life Insurance

2015 BENEFIT PLAN SUMMARIES AND RATES

HEALTH

Anthem Blue Cross Kaiser Permanente

Anthem Blue Cross

Kaiser Permanente

Anthem BC 15 Plan (HMO) Kaiser 15 Plan (HMO)
Anthem BC 20 Plan (HMO) Kaiser 30 Plan (HMO)
Anthem BC PPO Plan Retiree Senior Advantage Plans 65+
2015 Anthem BC Guide (All Plans)  

DENTAL

Delta Dental Website
Delta Preferred Option (DPO)


DeltaCare PMI/DHMO


Local Dental Advantage Local Dental Advantage


VISION

Vision Service Plan Vision Service Plan (VSP)

Vision is included in all healthcare options.

FLEXIBLE SPENDING ACCOUNTS

Tri-Ad TRI-AD

Enrollment is done through the Employee Online system.

ADDITIONAL LIFE INSURANCE

TheStandardTheStandard

MANDATORY NOTICES

Below are our frequently asked questions for the 2015 Open Enrollment period.

Please click on each category below to expand and view the questions.

Open enrollment will take place November 1st thru November 21st, 2014. All benefit changes and/or new enrollments must be submitted using the Employee Online system no later than 5:00 p.m. on Friday, November 21st.
Open Enrollment changes, including medical and dental plan changes, dependent additions/deletions, health opt-out, Flexible Spending Account, Additional Life Insurance and Long Term Disability (eligible bargaining units) will have to be done through the Employee Online system. Additional Life Insurance requests will be accepted online through The Standard's website
The Open Enrollment Employee Online system is accessible through the City’s intranet or through the City’s internet (www.riversideca.gov). From the City’s internet, click on the Online Services link then click on the "Employee Online" link.  From the intranet page, you must click on the “Employee Online” link.
Your login is your 5 digit employee identification number. If you have forgotten your password and have an e-mail on file, you can utilize the “I forgot my password” link located on the main login screen. A temporary password will be e-mailed to the e-mail address on file. You can also contact the IT Help Desk at (951) 826-5508 during normal business hours (M-F, 8-5) to have it reset.
If you are on an approved leave of absence during the Open Enrollment period you can still access the Employee Online system through the City’s internet (www.riversideca.gov) under the Online Services link.  If you need further assistance, please contact the Human Resources Benefits Team at (951) 826-5639.
Yes, there are new medical plan options for 2015. Additionally, the Health opt-out program and Flexible Spending Accounts (FSA) need to be renewed annually. If you want to continue to participate in the health opt-out program, or the flexible spending health or dependent care programs you must designate new amounts and submit a new request through the Employee Online system.
Yes, you may access the Open Enrollment system as many times as you need during the Open Enrollment period and make additional changes to any online changes submitted up until November 21st. You must first delete any existing pending requests before you can submit a new one. Please contact Human Resources at (951) 826-5639 if you experience any problems.
Plan summaries and 2015 rate information for the various Health and Dental plans can be found on the Human Resources Benefits webpage under the “Open Enrollment” link. (http://www.riversideca.gov/human/benefits/benefit-open-enrollment.asp)
Medical and dental premiums are paid a month in advance; therefore, benefit premiums for 2015 will be reflected on your first paycheck in December dated 12/12/14.
Any plan changes made during the Open Enrollment period to your medical and/or dental coverage, flexible spending accounts and Long Term Disability will be effective January 1, 2015. Coverage effective date for Additional Life Insurance will vary based on the completion of the medical underwriting process (as applicable).
You will need to submit your address changes through the Employee Online system. Once you have accessed the system, under Personal Information, click on "Home Address", click on "Update Record", make any necessary changes and click submit.
If you miss the Open Enrollment deadline to submit changes to your medical and/or dental plans, add eligible dependents, or enroll in Flexible Spending (FSA) you will need to wait until next year's Open Enrollment season to make these changes; unless you experience a Qualifying Event.
If you have a Qualifying Event (marriage, birth of a child, loss of coverage, etc.) during the month of November (1st-30th), you may add eligible dependents to your medical and/or dental plan within 30 days of your qualifying event. Please note that qualifying events during the month of November are handled separately from Open Enrollment changes. Coverage effective date for Qualifying Events may be December 1, 2014 or January 1, 2015, depending on the qualifying event. To submit your request, you will need to complete paper enrollment forms (only for qualifying events in November); please contact the Benefits division at (951) 826-5639 to obtain forms.
Enrollment requests for Additional Life Insurance are accepted through The Standard's website. Employees interested in applying for Additional Life Insurance can access the link via the Employee Online system; simply click on "Add'l Life Ins" link.
Executives, Management I and II and IBEW Supervisory employees are eligible to enroll in LTD during the Open Enrollment period or upon promotion. Enrollment requests for LTD will be accepted thru the Open Enrollment Employee Online system. Premiums are paid on an after-tax basis by Executives, Management I and II employees. Premiums for IBEW Supervisory employees are paid on a pre-tax basis from the City Deferred Compensation contribution.

Employees in the Fire and Police Units may enroll in LTD coverage through their respective associations. IBEW Field employees are automatically enrolled in LTD coverage.

Employees in the General, Confidential and Refuse units/group are not eligible to participate in LTD; these units/groups are covered by the State Disability Insurance (SDI) program.

Eligible dependents that you may want to add to your medical and/or dental plan are outlined in Personnel Policy V-9 Health Insurance and include:
  • Spouse – A spouse as defined or recognized under State law or registered domestic partner
  • Child –a biological or adopted child, a stepchild or a legal ward (guardianship)
  • Grandchild (Legal dependent other than child) –a biological, adopted or step-grandchild for whom the employee has legal guardianship.
Per the Health Care Reform Law, eligible dependents can be covered under the employee's health plan up to age 26. The City has also extended Dental and Vision coverage to these dependents.
If you have added an eligible dependent during the Open Enrollment period, you must submit supporting documentation to the Human Resources Benefits Division by 5:00 p.m. on November 21st. Be sure to indicate your 5 digit employee ID number at the top right hand side of any documentation. Please refer to the Dependent Verification information sheet for additional information.
Yes, you may email a scanned copy of the documentation to citybenefits@riversideca.gov or fax it to 951-826-2421 or you may stop by the Human Resources Office and drop off a copy personally. All documentation must be submitted by 5:00 p.m. on November 21st.
If dependent information (social security number, date of birth, address, etc.) is listed incorrectly in the Employee Online system, you may correct it by clicking "Dependent Information” and selecting the appropriate dependent. You will be redirected to another screen where you will be able to override existing information with correct information. When finished click the “save” button.
You may add a dependent to the “Dependent Information” screen; simply click on the “add record” button and complete all required information about your dependent. Per the Federal Health Care Reform reporting requirements, all employees must provide a valid Social Security Number (SSN) for each dependent. Keep in mind that adding dependents to the “Dependent Information” screen DOES NOT add them to your medical and/or dental coverage; please refer to subsequent questions for additional information.
If you wish to drop an existing dependent from your medical and/or dental coverage you may do so by following these easy steps:
  1. Click on Benefit Selection link.
  2. Click on the Medical/Dental link under Coverage Type.
  3. On the "Update Open Enrollment Benefit" screen uncheck only the box next to the dependent(s) you wish to remove from your coverage (Note: An unmarked checkbox next to the dependents name will tell the system you do not want to enroll that dependent into your plan.)
  4. If applicable, check the arbitration certification checkbox to acknowledge that you have read and agree to the arbitration language.
  5. Click the "Save" button to process your request.
The Open Enrollment Employee Online system does not allow for designation of a Primary Care Physician (PCP). However, if you are a NEW member to Anthem Blue Cross HMO or Delta Care HMO, you will need to designate a PCP for yourself or your dependent(s). This will consist of a two-step process.
  1. You must first locate a doctor near you by accessing the provider’s website: please visit Anthem Blue Cross or Delta Care.
  2. Once you have decided on a PCP, you must contact Blue Cross at 800-227-3613 or Delta Care at 800-422-4234 any time after December 15, 2014 to inform them about your PCP designation. PCP selections are not required for Blue Cross PPO, Kaiser, Delta Dental or Local Advantage.

Yes, you may make changes to your existing medical and/or dental coverage during the Open Enrollment period only.
In addition to plan benefit changes, existing medical plan names have changed as indicated below. If you do not submit an open enrollment request to change your existing medical plan, your medical coverage will rollover to the 2015 calendar year as follows:

If your 2014 plan is: Then your 2015 Plan Will Be:
Anthem BC Preferred Anthem BC 15
Anthem BC Standard Anthem BC 20
Anthem BC Value Anthem BC 20
Anthem BC PPO Anthem BC PPO
   
Kaiser Preferred Kaiser 15
Kaiser Standard Kaiser 30
Kaiser Value Kaiser 30

Dental elections will carry over into the 2015 plan year if no change is selected.
When adding a dependent through the Employee online system, you will need to create a dependent profile under Dependent Information. Once the dependent profile has been created, you will need to continue to Benefits Selection. On the Open Enrollment Benefit Selection screen:
  1. Click on the "Medical" and/or "Dental" link.
  2. On the Choose Open Enrollment Benefit screen, click on the Plan you desire.
  3. On the Add/Switch Open Enrollment Benefit screen, select your Coverage Category and under Covered Dependents place a check mark for each Dependent you wish to add to your coverage.
  4. If applicable, click on the Arbitration Certification check box.
  5. Click on the ‘Save’ button to submit your request.
Lastly, click on "Benefit Confirmation" to review your request and verify your changes have been submitted. Print a copy for your records.
No, the Health Opt-out (Health Reimbursement Program) selection you made for 2014 will not carry over to calendar year 2015. Proof of coverage is needed for all employees who wish to participate in the Health Opt-Out program during 2015.

Be sure to indicate your 5 digit employee ID at the top right hand side of any documentation. Please note that only General Unit, Management, Confidential, Executive, Fire, Fire Management, RPOA, RPOA Supervisory, RPAA, IBEW, and IBEW Supervisory employees have this option available in their medical selection screen. Employees in the Refuse unit may choose to “decline” medical coverage, but are not eligible for a stipend.
No, all you need to do is send Human Resources an email at citybenefits@riversideca.gov letting us know the name and employee ID of your spouse. If you don't have access to email, you may contact us at 951-826-5639.
When enrolled in a Pre-tax Medical and/or Dental Plan, premiums are deducted from the employee's check before Federal, State and Medicare taxes are calculated. Having premiums deducted on a Pre-tax basis reduces the amount of taxable income. Premium contributions made by an employee for the cost of coverage for a registered domestic partner must be paid on an After-tax basis unless the domestic partner is a qualified tax dependent per IRC 152. In addition, an employee may not make pre-tax contributions to a Flexible Spending Account on behalf of a domestic partner. All employees should select a Pre-tax plan unless they have a registered domestic partner covered under their Medical and/or Dental Plan.

No, participation in the Flexible Spending Account plans must be renewed each calendar year during the Open Enrollment period. You must renew your contribution by following the steps indicated in the question below. If you do not submit a new request, participation in an FSA plan will terminate effective 12/31/14.
To enroll in one or both of the Flexible Spending Account (FSA) programs: Start by clicking on the “Benefit Selection” link in Employee Online, then follow the steps below:
  1. Click on the "FSA Health Care or FSA Dependent Care" link.
  2. On the Add Open Enrollment Benefit screen, enter an Annual Deduction Amount.
  3. Click on the "Save” button to submit your request.
The maximum annual contribution for the Health Care Spending account is $2,500. The maximum annual contribution for the Dependent Care Spending account is $5,000. Contributions will be deducted from your paycheck bi-weekly for 24 out of 26 pay periods.
The administrative annual fee to participate in either the FSA Health Plan, Dependent Plan or both is $72 ($3.00 per pay period will be deducted on a bi-weekly basis).
You may contact Tri-AD regarding the FSA plan(s) via phone at 888-844-1372 or visit their website at https://www.tri-ad.com/home.aspx.
Any unused contributions to either your FSA Health or Dependent Care accounts will be forfeited at the end of the year. Therefore, make sure you allocate annual contributions conservatively.

 

 
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