Open Enrollment for 2018 Benefits: Frequently Asked Questions (FAQs) Each year, at Robert Half, we evaluate our plans to ensure we’re offering a comprehensive and competitive benefits package. The following FAQs can help you understand the changes to Robert Half’s benefit plans for 2018 and make decisions during Open Enrollment.
Table of Contents ENROLLING FOR COVERAGE................................................................................................... 2 MEDICAL PLAN CHANGES ........................................................................................................ 4 PRESCRIPTION DRUG CHANGES ............................................................................................ 5 COST OF COVERAGE ................................................................................................................ 5 HEALTH SAVINGS ACCOUNT (HSA) CHANGE ......................................................................... 6 FLEXIBLE SPENDING ACCOUNT CHANGES ............................................................................ 7 COMMUTER BENEFIT CHANGES ............................................................................................. 7 ADDITIONAL RESOURCES ........................................................................................................ 8
2018 Open Enrollment: November 1 – November 16, 2017. ONLINE Visit the Mercer Marketplace 365 website at mercermarketplace.com/ roberthalf
PHONE Call 1.855.879.6739 Monday – Friday: 4 a.m. – 7 p.m. Pacific time Saturday: 7 a.m. – 11 a.m. Pacific time
MOBILE Download the mobile version of Mercer Marketplace Benefits for iOS or Mercer Marketplace 365 Benefits for Android from your app store (company ID: ROBHAF).
If there is any discrepancy between the information presented here and the applicable official plan document, the official plan document will govern how your benefits are determined and administered. Robert Half reserves the right to terminate, suspend, withdraw or modify the benefits described in this document, in whole or in part, at any time.
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ENROLLING FOR COVERAGE 1. When is Open Enrollment? Open Enrollment for 2018 benefits begins November 1 and ends at 8:59 p.m. Pacific time on November 16, 2017. 2. How do I enroll? There are three ways to enroll through the Mercer Marketplace 365 from November 1 through November 16, 2017: Online: mercermarketplace.com/roberthalf By phone: 1.855.879.6739 Mobile: Download the mobile version of Mercer Marketplace Benefits for iOS or Mercer Marketplace 365 Benefits for Android from your app store (company ID: ROBHAF). Benefits counselors are available to answer questions by phone or online chat: During Open Enrollment November 1 – November 16, 2017 Monday – Friday: 4 a.m. – 7 p.m. Pacific time
After Open Enrollment November 17 – After January 1, 2018 December 31, 2017 Monday – Friday: Monday – Friday: 4 a.m. – 7 p.m. Pacific time 4 a.m. – 6 p.m. Pacific time
Saturday: 7 a.m. – 11 a.m. Pacific time 3. Can I enroll after Open Enrollment? No. Open Enrollment ends at 8:59 p.m. Pacific time on November 16, 2017. The only time you can change your elections outside of Open Enrollment (excluding HSA and commuter benefits participation) is when you experience a qualified life event, such as: Marriage, divorce or legal separation Birth or adoption A dependent becomes ineligible for coverage Death of your spouse or one of your children Change in benefit coverage due to a change in employment status for you, your spouse/domestic partner or your adult children You must submit your changes to Mercer Marketplace 365 within 30 days of the date of the qualified event. Your benefit elections or changes must be consistent with the event. Documentation of the event may be required. Changes you make will generally be effective on the first day of the month following a qualified life event, except for: The birth of a baby or adoption: Coverage begins on the date of birth or date the adoption is finalized. Dropping dependents: Coverage ends for your dropped dependent on the last day of the month, except for death, divorce, legal separation or dissolution of domestic partnership.
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4. How do I maintain my current elections? Keep in mind there are changes to 2018 benefit plans, including costs and coverage. It’s important for employees to review all changes included in this document, the 2018 Benefits Guide, the Transition to TRI-AD FAQ and other materials to ensure their elections meet their needs. Your actions during Open Enrollment depend on your coverage. Use the following chart to help determine your next steps: Current Elections Automatically Carry Over Medical Dental Vision Accident Insurance Hospital Indemnity Insurance Critical-Illness Insurance Supplemental Long-Term Disability Supplemental Life Insurance Supplemental Accidental Death & Dismemberment Insurance Other voluntary benefits (pet insurance, identity theft protection, legal, etc.)
Current Elections Won’t Carry Over Health Care FSA Combination FSA Dependent Care FSA
Take Action to Continue Participation Health Savings Account (HSA) Commuter benefits
You must enroll each year — your current election(s) won’t carry over to 2018.
If you want to continue contributing beginning with your first paycheck in 2018, submit your elections by November 16. You can choose to make contributions or change your contribution amount at any time during the year.
Important Beginning January 1, 2018, TRI-AD is replacing Discovery Benefits as the administrator for the HSA, FSA and commuter benefits. If you currently participate in these plans, we strongly encourage you to review the Transition to TRI-AD FAQ to understand the change and take action.
5. When will my benefits be effective? Benefits elections made during Open Enrollment will become effective January 1, 2018. 6. Are there tools available to help me decide which plans are right for me? Yes! The medical plan comparison tool on the Mercer Marketplace 365 website allows you to compare plan features, estimate out-of-pocket expenses or look at cost estimates using various scenarios. Be sure to use the contributions and coverage calculators for Health Savings Accounts (HSA), Flexible Spending Accounts (FSA), and life insurance and disability insurance. You also have access to videos about supplemental medical plans, tax-advantaged plans and much more on the Mercer Marketplace 365 website.
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MEDICAL PLAN CHANGES 7. What are the changes to the medical plans for 2018? These are the changes to the plans offered through Kaiser:
Kaiser Permanente is expanding access to Seattle and Spokane, Washington: The following plans may now be available to you: $400 Deductible Plan, $900 Deductible Plan, $1,500 Deductible Plan and $2,500 Deductible Plan. (Availability of these plans depends on your ZIP code.) If you’re eligible, these plan options will appear on the Mercer Marketplace 365 website during Open Enrollment. Coverage would be effective January 1, 2018.
Kaiser of California increase to individual deductible limit: For the $1,500 Deductible Plan and $2,500 Deductible Plan through Kaiser of California, the individual deductible limit within a family is increasing to $2,700. This limit ensures an individual within a family won’t be responsible for paying more than $2,700 toward the calendar-year deductible.
8. Do I need to have medical coverage in 2018? The Patient Protection and Affordable Care Act (ACA) — also known as health care reform — requires almost everyone in the U.S. to have medical coverage or pay a penalty at income tax time. This requirement is called the individual mandate. If you have medical coverage through Robert Half for 2018, you’ll fulfill the individual mandate for the year. Note: If you don’t have medical coverage in 2018, you’ll be required to pay a penalty on your 2018 income taxes when you file in 2019. If you’re NOT enrolled for medical coverage through Robert Half or would like to change your current coverage, Open Enrollment is your annual opportunity to make elections. If you don’t enroll through Robert Half, you can enroll in another ACA-qualified plan through your spouse’s or domestic partner’s employer, or through a state or federal health insurance marketplace. Hawaii Residents If you live in Hawaii and you choose to waive medical coverage for 2018, you must: Decline coverage on the Mercer Marketplace 365 website: mercermarketplace.com/roberthalf. Complete the State of Hawaii Form HC-5, which is available on the last page of the Hawaii benefits guide or online at labor.hawaii.gov. Fax the completed State of Hawaii Form HC-5 to 1.925.394.5110 or email it to
[email protected] by November 30, 2017. You’re required to complete this form every calendar year you choose to waive coverage.
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PRESCRIPTION DRUG CHANGES 9. What are the changes to prescription drug coverage for 2018? Starting January 1, 2018, the prescription drug list used by Express Scripts will change to the National Preferred Formulary. Express Scripts administers prescription drug coverage for the Anthem and Cigna medical plans. If a medication you take is affected by this change, Express Scripts will mail a separate notice to your home address on file. Be sure to discuss alternative options with your doctor and take actions as needed. If your medication is impacted and you don’t take necessary action, you’ll be responsible for paying the full cost of your prescription. 10. Where can I view the National Preferred Formulary? You can find the National Preferred Formulary and a list of excluded medications on roberthalfbenefits.com. 11. Will I receive a new prescription drug ID card from Express Scripts? If you’re a new member in an Anthem or Cigna medical plan, you’ll receive a prescription ID card from Express Scripts in addition to your medical plan ID card. If you were enrolled in an Anthem or Cigna medical plan in 2017 and will continue to be enrolled next year, you won’t receive a new prescription ID card for 2018 — you can continue using your current card. COST OF COVERAGE 12. Will premium costs increase in 2018? Premiums for the following plans will remain the same as in 2017:
$1,500 Deductible Plan and $2,500 Deductible Plan under Anthem, Cigna and Kaiser Standard Dental Plan Vision plans Supplemental long-term disability Supplemental life insurance Supplemental accidental death and dismemberment
Premiums for the $400 Deductible Plan and $900 Deductible Plan are increasing up to 10 percent. The increases are due to higher usage. In addition, the Kaiser Hawaii Gold Be Fit Plan premiums will increase 4 percent, and the Enhanced Dental plan premiums will increase 3 percent. All rates are available through the Mercer Marketplace 365 starting November 1, 2017. 13. How much will I pay for benefits in 2018? The amount you’ll pay varies depending on the options you elect and whom you choose to cover — yourself only, yourself and your spouse/domestic partner or child(ren), or your whole family. You can find 2018 costs for all the benefit options on the Mercer Marketplace 365 website starting November 1, 2017.
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HEALTH SAVINGS ACCOUNT (HSA) CHANGE 14. Is the HSA changing for 2018? Beginning January 1, 2018, TRI-AD is replacing Discovery Benefits as the administrator for the HSA. This means the debit card and claims reimbursement process will change as of January 1, 2018. If you currently participate in the HSA, we strongly encourage you to review the Transition to TRI-AD FAQ to understand the change and take action.
Remember! You’re only eligible to contribute to a Health Savings Account (HSA) if you enroll in the $1,500 Deductible Plan or $2,500 Deductible Plan.
If you elect to contribute to the HSA in 2018, you’ll receive a new debit card in late December. Please activate your new card immediately, so you can use it starting January 1. 15. What can I contribute to my HSA for 2018? For 2018, the IRS has increased HSA contribution limits to $3,450 for individuals and $6,900 for families. These limits include Robert Half-matching contributions.* The table below outlines what you and Robert Half can contribute.
Medical Plan Election $1,500 Deductible Plan - Individual - Family $2,500 Deductible Plan - Individual - Family
Robert Half’s Matches 50% of Your Contributions* Up to…
If You Receive Robert Half’s Full Contribution, You Can Contribute Up to …
2018 Annual Contribution Limit
$500 $500
$2,950** $6,400**
$3,450 $6,900
$1,000 $1,000
$2,450** $5,900**
$3,450 $6,900
* Employees in the Salaried Professional Service program aren’t eligible to receive matching HSA contributions. ** If you’re age 55 or older, you can contribute an additional $1,000.
For more information about the transition to TRI-AD, click here to review the Transition to TRI-AD FAQ.
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FLEXIBLE SPENDING ACCOUNT CHANGES 16. Will there be changes to the Dependent Care Flexible Spending Account (FSA), Health Care FSA and Combination Health Care FSA in 2018? Beginning January 1, 2018, TRI-AD is replacing Discovery Benefits as the administrator for FSAs. This means the debit card and claims reimbursement process will change as of January 1, 2018. If you currently participate in an FSA, we strongly encourage you to review the Transition to TRI-AD FAQ to understand the change and take action. If you elect to contribute to any FSA in 2018, you’ll receive a new debit card in late December. Please activate your new card immediately, so you can use it starting January 1. 17. Is the FSA contribution limit increasing for 2018? The IRS has increased the contribution limit for 2018 to: Health Care FSA: Up to $2,650 Combination Health Care FSA: Up to $2,650 The contribution limit for the Dependent Care FSA remains the same at $5,000 for individuals or married couples filing joint tax returns, or $2,500 if you are married and file separate tax returns. For more information about the transition to TRI-AD, click here to review the Transition to TRI-AD FAQ. COMMUTER BENEFIT CHANGES 18. Will there be changes to the commuter benefits program in 2018? Beginning January 1, 2018, TRI-AD is replacing Discovery Benefits as the administrator for commuter benefits. We are also changing the frequency for commuter benefit deductions. See the next question for details. This means the debit card and claims reimbursement process will change as of January 1, 2018. If you currently participate in commuter benefits, we strongly encourage you to review the Transition to TRI-AD FAQ to understand the change and take action. If you elect to contribute to any FSA in 2018, you’ll receive a new debit card in late December. Please activate your new card immediately, so you can use it starting January 1.
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19. Is the frequency for commuter benefit deductions changing in 2018? To ensure you receive the full benefit of your election and to better align with the monthly IRS limits, the commuter benefits contribution schedule will change to align with the monthly IRS limits on transit and parking ($260 each). In 2018, your commuter benefits payroll deductions will be divided evenly as follows: Payroll Frequency Weekly Biweekly Semi-monthly
Number of Deductions per Year 48 24 24
Number of Deductions per Month 4* 2* 2 (no change)
* This is the maximum number of deductions that will be taken each month per pay frequency. For example, deductions won’t be taken on the third biweekly pay cycle in months with an additional pay cycle.
20. Is the commuter benefits contribution limit increasing for 2018? The IRS has increased the contribution limit for 2018 to: For parking, up to $260 a month For mass transit (bus, vanpool, subway, train), up to $260* a month * If you live in Massachusetts, state law limits the pre-tax amount to $135 per month.
For more information about the transition to TRI-AD, click here to review the Transition to TRI-AD FAQ. ADDITIONAL RESOURCES 21. What resources are available to help better understand Robert Half’s 2018 benefits? Robert Half offers several resources with information about 2018 benefits: Go to roberthalfbenefits.com
Go to the Mercer Marketplace 365 website
2018 Benefits Guide Open Enrollment Checklist Medical Summaries of Plan Coverage Vision and dental plan summaries Flyers about other Robert Half benefits like Health Advocate, Best Doctors and InfoArmor Identity Protection
Summary plan descriptions Medical plan comparison tool Contributions and coverage calculators for HSA, FSA and life insurance and disability insurance Videos about supplemental medical plans, tax-advantaged plans and other topics
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22. Whom do I contact if I have questions about Robert Half benefits or need assistance with the enrollment process? There are three ways to contact the Mercer Marketplace 365: Online: mercermarketplace.com/roberthalf By phone: 1.855.879.6739 Benefits counselors are available: During Open Enrollment November 1 – November 16, 2017: Monday – Friday: 4 a.m. – 7 p.m. Pacific time
After Open Enrollment November 17 – After January 1, 2018 December 31, 2017 Monday – Friday: Monday – Friday: 4 a.m. – 7 p.m. Pacific time 4 a.m. – 6 p.m. Pacific time
Saturday: 7 a.m. – 11 a.m. Pacific time 23. How do I contact one of the insurance carriers? See the 2018 benefits guide at roberthalfbenefits.com for carrier contact information. You can also contact the Mercer Marketplace 365.
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