Utility Workers Union of America
Local 600
AFL-CIO
Representing Office, Clerical,
Technical and Residual Employees
Utility Workers Union of America
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Annual Enrollment for 2008: Oct. 22 – Nov. 2
What’s Changing for 2008
Medical Plan Changes
Pharmacy Benefit Changes
Dental Plan Changes
Flexible Spending Account (FSA) Changes
Life Insurance Changes
Long-term Disability (LTD) Changes
Payroll Deduction Changes · Payroll deductions for health and insurance benefits will be taken each pay period (26 times). · Question and Answers
Q: What is the name of the provider network that Blue Cross and Blue Shield of North Carolina (BCBSNC) uses? A: The provider network used by BCBSNC is the BlueCard® network. BCBSNC works with the local Blue Cross and Blue Shield companies throughout the country to provide its members with broad, national access to Blue Cross and Blue Shield network providers.
Call 1-800-810-BLUE to find a participating provider (or check the provider search tool on YBR), and remember to show your BCBSNC identification card to your BCBS provider at your first appointment in 2008.
Q: If my spouse is being treated for a medical condition, how will the change to BCBSNC be handled? A: BCBSNC has a “transition of care” process in place for certain conditions. Refer to the Transition of Care form in the BCBSNC folder located on the Employee Center page of the Portal for more information. Send the completed form to BCBSNC at the address on the form. If you have questions about completing the form, contact BCBSNC at 1-888-554-3202.
Q: What is a PPO: A: A PPO or Preferred Provider Organization is a medical plan with a network of physicians, hospitals and other medical care providers that have agreed to accept negotiated fees for the care they deliver. You have the option to use out-of-network providers and receive a lower level of benefits.
If you use network providers, some services/supplies require a copay (i.e. office visits, ER visits, prescriptions) Other services require that you meet your annual deductible before the plan benefit (co-insurance) applies (i.e. hospitalization and outpatient facility services).
The UHC High, Medium and Low PPO options available today will be administered by BCBSNC in 2008.
Q: What is an EPO? A: An EPO or Exclusive Provider Organization is a medical plan with a network of providers that you must use to receive benefits under the plan. The EPO is similar to an HMO. EPOs use a national network of providers, whereas HMOs use regional networks.
If you use network providers, services/supplies require a copay. If you do not use a network provider, there are no benefits from the plan.
The Anthem and Humana Build-Your-Own HMOs and the Arnett, Welborn and SIHO HMOs available today will be administered by BCBSNC in 2008. They will be called EPO options 1 – 6.
Q: Can you give me an example of how an eligible hospital stay would be covered for myself under the High PPO and the EPO 1 in 2008? A: The High PPO has an annual individual deductible of $250, then the plan pays 90%. You are responsible for the 10% balance up to the annual out of pocket maximum of $1500. If your hospital stay is $10,000 and you’ve not met any portion of your $250 deductible for the year, your responsibility would be the $250 annual deductible plus 10% of the balance or $975 for a total of $1225.
Under the EPO 1, you have a $100 hospital admission copay which would be your responsibility.
Q: With the name changes to the current medical options for 2008, how will I know which plan is my current plan? A: You can review each 2008 medical option description in your annual enrollment guide that was mailed to your home or check out more detailed information on Your Benefits Resources (YBR). On page 11 of your annual enrollment guide, you’ll see the list of 2007 medical options and which medical options they map for 2008. If you take no action, you will be assigned the option listed for 2008. During the annual enrollment window (Oct. 22 - Nov. 2), on YBR, you’ll see your assigned coverage for 2008 if you take no action.
Q: Will I still be eligible for the opt out credit? A: If you opt out of the medical and/or dental plans, you are eligible for the opt out credit which you’ll see during the annual enrollment window.
Q: Is there a Medco list of maintenance medications and formulary or preferred drugs? A: Yes. They are available online at www.medco.com/openenroll between Oct. 8 and Dec. 31. Use the password DUKEENERGY. You can call Medco Member Services at 1-800-987-8361 during annual enrollment if you need assistance.
Q: Who do I call with questions and how do I enroll? Questions concerning 2008 benefits, including those related to the enrollment process, should be directed to the myHR Service Center at 1-888-465-1300. Representatives are available to assist you Mon. through Fri., from 8 a.m.–8 p.m., ET. You can enroll by going to YBR directly at http://resources.hewitt.com/duke-energy (or located on the Employee Center page below Benefits Enrollment).
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