2021 Open Enrollment
The Annual Open Enrollment will be held October 12 – November 06, 2020, and will not be extended.
HCPSS will continue to offer the same comprehensive benefits program, with some changes to the dental plan providers. For Plan Year 2021, the new Dental PPO plan will be offered through Cigna PPO and new Dental Maintenance Organization (DMO) plan will be offered through Aetna. Employees who are currently enrolled in the Delta Dental PPO plan, will be automatically moved to the new Dental PPO plan through Cigna. Similarly, employees who are currently enrolled in the Cigna DHMO plan will automatically be moved into the new Aetna DMO plan for the Plan Year 2021.
Retirees may make changes to their elections by completing the Open Enrollment Retiree Benefits Change Form.
Listed below are details regarding Open Enrollment and Benefit Offerings;
Virtual Benefits Open House Event Dates / Times
Employees will have the opportunity to learn more about their benefit options in 2021 by attending a Virtual Benefits Fair. Carrier representatives and HCPSS Benefits Office staff will be available to virtually meet and provide information, and answer any benefit questions. Please note that the chat rooms are not confidential one on one sessions, so please be mindful of disclosing any personal information.
The Virtual Benefits Fairs will be accessible by visiting www.hcpsswellness.com on the following dates between the hours of 10:30am to 4:30pm.
- Tuesday, October 20, 2020 / Time: 10:30 a.m.- 4:30 p.m.
- Wednesday, October 28, 2020 / Time: 10:30 a.m.- 4:30 p.m.
- Monday, November 2, 2020 / Time: 10:30 a.m.- 4:30 p.m.
Previous Open Enrollment Guide for Retirees – 2020
Annual Medical Costs
2021 Medical, Dental and Vision Plan Costs
- 2021 Retiree Monthly Medical Premium Costs – On or before July 1, 2010
- 2021 Retiree Monthly Medical Premium Costs – On or After July 2nd, 2010
- 2021 Retiree Monthly Premium Costs – Dental and Vision Insurance
2020 Medical, Dental, and Vision Plan Costs
- 2020 Retiree Monthly Premium Costs – On or Before July 1, 2010
- 2020 Retiree Monthly Premium Costs – On or After July 2nd, 2010
- 2020 Retiree Monthly Premium Costs – Dental & Vision Insurance
Medical and Prescription Plans
CareFirst BlueChoice HMO Open Access
With CareFirst BlueChoice HMO Open Access, you can select your doctor from a regional network of physicians, specialists and hospitals located throughout Maryland, Washington, D.C. and Northern Virginia. CareFirst aims to keep you healthy by emphasizing prevention, early detection and early treatment.
- 2021 BlueChoice HMO Open Access – Your Health Benefits Booklet
- 2021 CareFirst BlueChoice HMO Open Access Benefits Summary
- 2021 CareFirst BlueChoice HMO Summary of Benefits and Coverage (SBC)
- 2020 CareFirst Blue Choice HMO Open Access Benefits Summary – Retirees
- 2020 CareFirst Blue Choice HMO Summary of Benefits and Coverage (SBC)
- CareFirst HCPSS Web Site
- CareFirst Video Visit
- Affordable Care Act (ACA) Summary of Preventive Services
- CareFirst HMO – Away from Home Care
- CareFirst Blue Vision
- Blue365 – Wellness Discount
- Regional Vaccine Network
Open Access Aetna Select HMO
There’s no requirement to select a PCP, or obtain referrals for specialty care. The network of medical providers and facilities is nationwide, offering a full range of primary care doctors and specialists. When you visit a network provider, you will pay a flat copay for your care. Network providers will handle all of the claims paperwork for you. In order to receive benefits from this plan, you must see network providers.
- 2021 Open Access Aetna Select HMO Benefits Summary
- 2021 Open Access Aetna Select HMO – Summary of Benefits and Coverage (SBC)
- 2020 Open Access Aetna Select HMO Benefits Summary
- 2020 Open Access Aetna Select HMO – Summary of Benefits and Coverage (SBC)
Aetna Open Choice PPO
You can receive care within the network and pay less for your care. Or, you can choose to receive care outside the network and still receive benefits, but at a higher cost. There are no referral requirements.
Aetna’s nationwide Open Choice PPO network includes 934,260 health care providers; 159,100 of whom are Primary Care Providers (PCPs). This makes it easy to find a network doctor or a hospital, whether you are at home, work or traveling.
- 2021 Aetna Open Choice PPO Benefits Summary
- 2021 Aetna Open Choice PPO – Summary of Benefits and Coverage (SBC)
- 2020 Open Choice PPO Benefits Summary
- 2020 Aetna Open Choice PPO – Summary of Benefits and Coverage (SBC)
Other Member Resources (Open Access Aetna Select HMO and Open Choice PPO)
- ACA Preventive Care
- Informed Health Line
- Aetna Travel
- Aetna Health App
- Aetna Maternity Program
- Blood Pressure and Cholesterol
- Breast Cancer Support Center
- Men’s Health Flyer
- Aetna Discount Program
- Aetna website
Prescriptions – Express Scripts Pharmacy
Included in employee benefits packages, express scripts handles services related to prescriptions. They are supported by a national network of over 50,000 pharmacies and a 24-hour, 365-day-a-year Patient Care Contact Center. Home delivery is available for employee medications from express.
On or after 01/01/2020, please call Express Scripts member services at (877) 866-5859 to verify if your pharmacy will allow a 90-day fill, or for assistance in locating a SMART90 participating pharmacy. You may also log in or register at www.Express-Scripts.com/90day to locate SMART90 participating pharmacies in your area.
- Express Scripts SMART90 Drug List (Drug Class Level)
- Express Scripts SMART90 Drug List
- Express Scripts SMART90 FAQs
- Drug Quantity Management Member Flyer
- Drug Quantity Management – Drug List
- Prior Authorization FAQs
- Step Therapy FAQs
- Vaccine Program
- 2020 National Preferred Formulary Exclusion List Changes
- Pharmacy Web Site
New Dental Plans for Plan Year (beginning 01/01/2021)
The Cigna PPO has a national network of dentists with no need to select a primary care dentists. Employees will have the freedom to visit any licensed dentist you wish, but selecting an “in-network” Cigna PPO provider will result in the lowest out-of-pocket costs to the employee.
- Cigna Dental PPO Benefits Summary
- How to find a Dentist
- Orthodontics in Progress Flyer
- Transition of Care FAQ Flyer
- Dental Only MyCigna Mobile App
- Information Regarding Healthy Rewards
Aetna DMO is a dental maintenance organization (DMO). Aetna DMO offers a list of participating dentists for your care. It is important that you review your choices of Primary Care Dentist (PCD) in your area to make sure that this is the right plan for your dental needs. A PCD selection will not be mandatory during enrollment process. However, in order to use your DMO benefits a PCD is required. Once you enroll, Aetna will send you a “Welcome Kit” in the mail The Welcome Kit will include a reminder of the mandatory PCD election and a sample ID card. Once the Welcome Kit is received, employees should call the Aetna Customer Service line at 877-238-6200 Monday through Friday 8:00am to 6:00pm or login to the member website at https://www.aetnaresource.com/p/HCPSS-Open-Enrollment-2020 to select your PCD and/or for additional assistance. Once a PCD is elected from the Aetna network, employees can set-up a dentist appointment to see their provider. There is no deductible to meet, no annual dollar maximums, and no claim forms for you to file.
Your selection of PCD must be made prior to the 15th of the month, in order to take effect the first of the next month.
- Aetna DMO Dental Benefits Summary
- Aetna Dental DMO – Pre-enrollment Member Flyer
- Aetna Dental Discounts
Delta Dental and Cigna (will terminate at midnight 12/31/20)
Delta Dental PPO
The Delta Dental PPO has a national network of dentists with no need to select a primary dentist. With this plan each enrolled family member receives up to $2,000 for PPO and Premier providers in paid benefits per calendar year. When you use a provider within the PPO network, you receive the highest level of coverage with the least amount of out-of-pocket expenses.
You may choose to use dentists outside of the network, but your costs may be higher.
- Delta Dental Overview
- Delta Dental Hearing Aid Information
- LASIK Member Information
- Provider Directory
CIGNA Dental Care HMO
This plan provides low out-of-pocket costs and no claim forms. You can get up to two free dental cleanings a year, and two more at a minimal co-pay. You’ll also receive a Patient Charge Schedule, which lists all of the dental procedures covered by your plan, and any out-of-pocket costs you may run into. CIGNA has a National Network of DHMO providers.
You will need to select a primary care dentist (PCD). If no PCD is selected one will be chosen for you. You are responsible for staying in the network.
- Cigna Dental Plan Overview
- Cigna Dental Plan – Patient Charge Schedule
- Cigna Dental Plan – Finding a Network Dentist
- Cigna Dental Plan – Frequently Asked Questions
- Provider Directory
Vision Service Plan (VSP)
- Vision Service Plan Benefits Summary
- VSP.com at Your Fingertips
- Combat Digital Eye Strain
- VSP TruHearing
- VSP Benefits Web Site – view your vision benefit information, register as a member.
- 1-800-877-7195 – Member Benefit Services.
- The Ultimate Provider Playlist
- Eyeconic – Browse with Benefits
Maryland State Pension
Basic Life and Accidential Death and Dismemberment (AD & D)
HCPSS offers eligible employees life insurance and accidental death and dismemberment (AD&D) insurance at not cost to the employees. The amount of life insurance is equal to the employees’ current annual salary.
Life, Accidental Death and Dismemberment Insurance Information
Women’s Health and Cancer Rights Act
The Women’s Health and Cancer Rights Act (WHCRA) of 1998 requires group health plans to make certain benefits available to participants who have undergone a mastectomy. In particular, a plan must offer mastectomy patients benefits for:
- All stages of reconstruction of the breast on which the mastectomy was performed
- Surgery and reconstruction of the other breast to produce a symmetrical appearance
- Treatment of physical complications of the mastectomy, including lymphedema
Our plans comply with these requirements. Benefits for these items generally are comparable to those provided under our plans for similar types of medical services and supplies. Of course, the extent to which any of the items is appropriate following mastectomy is a matter to be determined by the patient and her physician.
Our plans neither impose penalties (for example, reducing or limiting reimbursements) nor do they provide incentives to induce attending providers to provide care inconsistent with these requirements. For more information about WHCRA coverage, contact your health plan administrator.
Newborns’ and Mothers’ Health Protection Act
The Newborns’ and Mothers’ Health Protection Act (NMHPA) of 1996 is a federal law that addresses the length of time a mother and newborn child are covered for a hospital stay in connection with childbirth. In general, benefits for a hospital stay in connection with childbirth cannot restrict benefits:
- to less than 48 hours for a normal vaginal delivery
- to less than 96 hours following a delivery by cesarean section
The 48 and 96 hour period starts at the time of delivery. It is important to note that coverage subject to NMHPA guidelines is the mother’s coverage. Newborns must be added to the Employee’s health plan within 30 days of the date of birth.
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