2023 OPEN ENROLLMENT HAS ENDED
10/1/2021 - 10/31/2021

Our annual Open Enrollment period for the 2023 Benefit Plan Year will be from 10/1/2021 to 10/31/2021 . The 2023 Active Employee Benefits Overview Booklet provides a general overview of all the programs available to you. You can view this document on-line by clicking here.

All enrollment selections will take effect January 1, 2023. This is your last chance until January 2024, unless you have a qualifying event, to change your coverage or to add qualified dependents.

This is also the time to enroll in the Health Care and Dependent Care Flexible Spending Accounts (FSA), even if you are already participating. You must enroll again each year to remain in the plan. If you don’t re-enroll, your contributions will stop in pay period 1-2023.

Benefit deductions premiums for 2023 will begin in payperiod 2023-2.  They will continue to be taken 24 times per year.  With the exception of flexible spending, there will not be benefits deductions in pay period 2023-01 and 2023-14.

The Human Resources Team and our Alliant representative will be hosting a virtual Open Enrollment. Make sure to look for emails with more enrollment information.

Santa Barbara County Superior Court has a benefit program that provides you with the best coverage that is simple and comprehensive. We offer programs that protect your health, your money, your family and help you find balance between your concerns at work and at home. We also know the value of understanding your coverage so that you know how to get care when you need it, at the lowest cost.

 

FREE FLU & Pneumonia SHOTS

For employees and dependents enrolled in the Blue Shield EPO or HDHP plan, FREE flu and pneuomonia shots will be available at these meetings. Make sure to bring your Express Scripts (EPO) or Blue ShieldID (HDHP) card with you to the meeting if you want to receive a flu shot.

• Flu Shot Questionnaire and Consent Form
• Information on the Flu Vaccine can be found here.
• Information on the Pneumococcal Vaccine can be found here.

FLU SHOT CLINIC LOCATIONS
Santa Barbara Figueroa Video Conference Room	Lompoc Department 2	Santa Maria Judicial Conference Room
Wed Oct. 20, 2021 3:00 pm - 5:00 pm	Tue Oct. 19, 2021 3:00 pm - 5:00 pm	Thu Oct. 21, 2021 3:00 pm - 5:00 pm

Due to COVID-19, we ask that you bring the RiteAid Screening Questionnaire and Consent Form already filled out. We will not have pens or forms available at the events. We also ask that you observe social distancing when in line.

WHAT’S NEW FOR 2023?

• Effective January 1st, 2022, Workterra will be your new Plan Administrator for your Health, Dependent Care, Transit Flexible Spending Accounts!
  Click on the link for more information: https://www.sbcourts.org/gi/HR/fsa/

• LIVONGO FOR DIABETES - Diabetes Management, Simplified
  Livongo for Diabetes makes diabetes management simple. This new and personalized experience helps members understand their blood sugar, develop health lifestyle habits, and improve glycemic control. This program begins on January 1, 2022 and is free for members on a medical plan with Express Scripts as their pharmacy. Available to EPO members only.

• Introducing two new prescription programs through Express Scripts:

  • SaveOnSp a specialty drug program that can lower your costs to $0.
  • SafeGuard Rx a program to help reduce prescription costs for Inflammatory Conditions.
• Prescriptions for the EPO and HDHP will be moved to the following tiered system:
  • Tier 1 Drugs (Generic)
  • Tier 2 Drugs (Preferred Brands)
  • Tier 3 Drugs (Non Preferred Brands)
  • Tier 4 Drugs (Specialty Drugs)
    

MEDICAL PLAN CHANGES:

The Superior Court medical premium rates have slightly decreased yet the benefit plan designs will remain the same for the 2023 plan year. If you would like to keep your current benefit selections, you do not have to do anything during Open Enrollment unless you want to participate in a Flexible Spending Account (FSA) in 2023.

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DENTAL PLAN UPDATES:

The Superior Court dental premium rates have slightly changed, however, the benefit plan designs will remain for the 2023 plan year. The Superior Court will  not have any benefit plan design changes for the 2022 plan year. If you would like to keep your current benefit selections, you do not have to do anything during Open Enrollment unless you want to participate in a Flexible Spending Account (FSA) in 2023.

 

ONLINE ENROLLMENT

To review your current plan selections you can visit the ADP Self Service Portal or https://www.workterra.net. We encourage ALL employees to visit the WorkTerra site to verify that your plan selections and covered dependents are correct.

• Any plan changes, including Flexible Spending Accounts, must be made online at https://www.workterra.net
• Open Enrollment Online instructions: 
  WorkTerra Guide
• Eligibility Rules and Documentation

 

Be prepared before enrolling by having your personal information with you such as dependents' Social Security numbers, birthdates and addresses.

Rates and Additional Information  

• 2023 Premium Rates
• 2023 Premium Rates for Part Time Employees:
  50% | 60% | 62.5% | 75% | 80% | 87.5% | 90%
• Rules for Benefits Changes During the Year

 

MEDICAL

Santa Barbara County Superior Court offers a choice of medical plans through Blue Shield.

Blue Shield EPO (Exclusive Provider Organization)

Under the EPO plan, the network of contracted physicians and hospitals are known as Preferred Providers. Under an EPO plan, you do not have an assigned Primary Care Physician (PCP). You are allowed to access medical services from any Blue Shield national contracted in-network PPO physician, specialist or facility without having to obtain a referral. All covered services, except for Emergency Care, must be provided by a Preferred Provider. The EPO plan does not provide out-of-network benefits.

• 2023 EPO Benefit Summary
• www.blueshieldca.com/prism

 

Blue Shield HDHP (High Deductible Health Plan)

The HDHP provides a choice and two levels of service; in-network and out-of-network. The HDHP uses the Blue Shield national PPO networks so you have a choice of using in-network preferred providers or any out-of-network physician that you choose. There are no copayments; only co-insurance with coverage for in-network providers at a higher benefit level and lower cost to you. This plan has an annual deductible that must be met before it begins to pay the appropriate co-insurance amount.

A Health Savings Account (HSA) is available to you if you are enrolled in a HDHP. An HSA account allows you to contribute using pre-tax dollars, funds roll over and accumulate year to year if not spent. HSA funds can be used to pay any qualified medical expenses. This type of health savings account is owned by you and is portable. If you decide to terminate the HDHP, you will no longer be able to deposit new funds into the HSA account, but funds already in the HSA will remain available for your use.

• 2023 HDHP Benefit Summary
• HDHP and HSA Basics Video
• www.blueshieldca.com/prism

 

TELADOC - VIRTUAL DOCTOR'S VISIT

24/7 Access to Doctors and Pediatricians

Teladoc provides you with access to board-certified doctors and pediatricians who are always available to resolve many of your medical issues via phone or online video consultations.  It's quality healthcare, when and where you need it.
Call Teladoc from anywhere - home, work, or on the road – and let the doctor come to you!  Teladoc doctors diagnosis and treat many of your non-emergency medical problems.  They can even write a prescription, if necessary, for you to pick up at your local pharmacy.

Teladoc doctors are available 24/7/365 to treat many of medical conditions, including: cold & flu symptoms; respiratory infection; ear infection; urinary tract infection; allergies; and, more!

Teladoc costs significantly less than urgent care and emergency room visits.  Plus, you can use Teladoc from the convenience of home or work, allowing you to avoid the hassle of sitting in a waiting room. All doctors are board-certified and licensed in your state.  You can count on Teladoc whenever your doctor is unavailable.

Visit www.teladoc.com/bsc for more information.

PRESCRIPTION DRUG COVERAGE:

Prescription drug coverage provides a benefit that is important to your overall health, whether you need a prescription for a short-term health issue like bronchitis or an ongoing condition like high blood pressure. If you enroll in medical coverage, you will automatically receive coverage for prescription drugs. Here are the prescription drug plans that are offered with our Blue Shield EPO and HDHP plans.

BLUE SHIELD EPO: Express Scripts is your pharmacy carrier if you are on the Blue Shield EPO plan. You have a separate pharmacy ID card for your prescription coverage. You must use this ID card to obtain your prescriptions from your local pharmacy. Your Blue Shield ID card will not be valid.

BLUE SHIELD HDHP: You must use your Blue Shield ID card to obtain prescriptions (Express Scripts will not be your pharmacy carrier).

Express Scripts – Smart90 Program

What is the Smart90 program?
This program is available to Express Scripts members that are taking maintenance medication on a daily basis. Express Scripts now gives you a choice on where to dispense a three month supply of your maintenance drugs. You now have two convenient options through Smart90. You can:

1. Fill your prescription through home delivery from the Express Scripts Pharmacy OR
   
2. Fill your prescription at any CVS or Wallgreens pharmacy

Relax with 90-day supplies.

Here is how your prescription plan works:

1. If you are prescribed a daily maintenance medication, you have two 30-day fills at your local pharmacy.
   
2. After two refills, you must move to a 90-day supply through Express Scripts home delivery pharmacy or at your local CVS or Walgreens.
   
3. Let your doctor know that you need a 90-day supply when you are prescribed a daily maintenance medication. The doctor can write a prescription for 12 months and the medication can be refilled every 90 days.

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SOLERA – Lifestyle Change Program

Blue Shield offers a free comprehensive 16-week program which helps qualified members lose weight, adopt healthy habits and significantly reduce their risk of developing type 2 diabetes.  The program meets weekly for 16 weeks and then monthly for the balance of the year.  You may choose from an array of national programs like Weight Watchers, Jenny Craig, Retrofit or HealthSlate.  To find out if you qualify for this preventive program, go to www.solera4me.com/eia and take a one minute quiz.  If you qualify, use Blue Shield of CA as your health plan and your Blue Shield ID number to enroll.

Call Solera at 877.486.0141

 

DENTAL

Santa Barbara County Superior Court offers you two Delta Dental plan options. Both the Delta Dental PPO and the DeltaCare USA DHMO plans offer comprehensive dental coverage. Compare plan features by reviewing the highlight comparison overview chart below.

• Delta Care and Delta Dental PPO Summaries
• Delta Care HMO Provider List
• www.deltadentalins.com/superiorcourtofcactyofsantabarbara

 

VISION

VSP features a broad provider network with substantial access across the United States in a variety of settings. All VSP network providers are independent optometrists or ophthalmologists in private practice who provide full service. However, you do have the option of using a non-network provider under the VSP plan but the benefit allowances are lower.

• Vision Perks
• VSP Vision Plan Summary
• www.vsp.com

 

HEALTHCARE AND DEPENDENT CARE FLEXIBLE SPENDING ACCOUNTS (fsa)

• Effective January 1st, 2022, Workterra will be your new Plan Administrator for your Flexible Spending and Transit Accounts!

Click on the link for more information https://www.sbcourts.org/gi/HR/fsa/

Santa Barbara County Superior Court offers you the opportunity to participate in a Healthcare and /or Dependent Care Flexible Spending Account (FSA).

How your FSA Account Works

Each year during the Open Enrollment period, you decide how much you want to contribute to the Healthcare and Dependent Care Flexible Spending Account. Your 2022 enrollment election does NOT automatically carry over to the 2023 plan year.

Each pay period, the money deducted before taxes is withheld in equal increments from your pay and contributed to your healthcare and / or dependent care spending account(s). You can elect up to $2,750 annually for the Health Care FSA. You may contribute up to $5,000 per household for the Dependent Care FSA. Unlike health benefits, FSA contributions are withheld in all 26 pay periods.

NOTE: The 2023 FSA maximum amount may change in October when the IRS announces the maximum limits for 2023.

As a participant of the Health Care FSA plan, you can choose to have an FSA debit card.  This card is linked to your FSA account. When purchasing qualified medical services or products, you simply use your FSA debit card and the transaction is complete. Be sure to keep your receipts since you will need to provide proof of expenses if audited.

If you do not use a debit card for your transaction, you can submit your claim and receipts via fax or U.S. mail. Upon review and approval of the eligible expenses submitted to FSA, you will be reimbursed for the expense(s).

Be Cautious!!

• Only qualifying medical expenses incurred during the plan year will be eligible for reimbursement.
   
• The FSA plans have an added feature (Grace Period) that allows you to continue to incur new claims up to 3/15/2024, with any remaining funds from your 2023 elected amount. Expenses must be submitted for reimbursement no later than May 30, 2024.
  
  
• You must spend all the money in your accounts or you will lose it. IRS rules do not allow you to carry over an FSA balance from one year to the next, so be sure to estimate your contributions carefully.
  
  
• Once you enroll, you can only change your elected payroll contributions if there is a change in family status, such as: marriage, divorce, death, birth, adoption, or change in employment status.
  
  
• Money cannot be transferred between the Health Care and Dependent Care FSA.
  
  
• If your employment with Santa Barbara County Superior Court terminates, you can only be reimbursed for claims incurred up to your last day of employment.

 

Note for Over-the-Counter (OTC) Drugs and medicines:
Thanks to the Coronavirus Aid Relief and Economic Security (CARES) Act, you can use your FSA or HSA funds to buy over-the-counter medications without a prescription, like Tylenol and other pain relievers, heartburn medications, allergy relief and more, for the first time since 2011. You can also use your funds for feminine care products for the first time.

• FSA Video
  

TRANSIT & PARKING FLEXIBLE SPENDING ACCOUNTS

Santa Barbara County Superior Court offers you the opportunity to participate in a Parking/Transit Flexible Spending Account (FSA).

How your commuter benefits program works.

Use the money in your WorkTerra Commuter Program for all of your eligible work-related transit and parking expenses. Work-related transit expenses consist of vouchers, passes, tokens, and fare cards for transportation via bus, commercial vanpool or train. Parking expenses incurred include parking at or near work, parking at or near transportation site and park and ride expenses. Ineligible expenses include (but are not limited to) tolls, car maintenance, carpools and gasoline.

Twice monthly, you set aside some of your pay, before taxes, to use for your eligible transit and/or parking expenses. The maximum IRS allowed amount for 2023 is $270 per month.

You save because the money to fund the program is deducted from your pay before taxes are taken out. Since the money used to fund the program isn’t taxed, you save between 25% and 40% on every purchase. If, for example, you spend $100 a month on your commute, you can save up to $40 a month ($480 a year) with the program.

Using your commuter program is easy:

When you sign up for the program, you determine the amount of parking and/or transit expenses you would like deducted each pay period. As the amount is deducted from your paycheck, the money is put into your account and is available for you to use for eligible expenses. Accessing you account funds is easy:

• Your Visit Card. Use it instead of cash at eligible parking and transportation providers.

 

HEALTH SAVINGS ACCOUNT (HSA)

A Health Saving Account (HSA) is available only to employees who participate in the Blue Shield High Deductible Health Plan (HDHP). A HSA is like a IRA for healthcare. It is a tax-advantaged personal savings or investment account that you can use to save and pay for qualified health expenses, now or in the future. Paired with a qualified high deductible health plan (HDHP), an HSA is a powerful financial tool that empowers you to be more actively
involved in your healthcare decisions.

An HSA allows you to:

• Save toward medical expenses (including dental and vision), up to IRS maximums (see Table)
• Have your contributions deducted on a pre-tax basis
• Change your contribution amount at any time
• Roll the funds to the following year (this is not a “use it or lose it” plan)
• Keep the account; it is portable; it goes with you if you leave employment
• Use a debit card to pay for qualified medical expenses
• Use the funds to pay for IRS tax dependents even if they are not enrolled in the HDHP

 

TABLE 1- HSA Contribution Limits for 2023
Annual Single Contribution Maximum	$3,650*
Annual Family Contribution Maximum	$7,300*

*These amounts are the maximum the IRS allows you to contribute to your HSA. If the Court contributes $900 into this account you have to deduct that amount from this limit   As an example: $3,650 - $900 =$2,750 would be the annual single contribution maximum you can make on a pre-tax basis.

IMPORTANT INFORMATION:

• If you have a Healthcare Flex Spending Account (FSA) for 2022, you cannot open an HSA until the available funds in your 2022 FSA Healthcare account have been used, and the balance in your Healthcare FSA account is $0.
• You cannot have an HSA and be a dependent on another person’s health insurance plan, unless that plan is also a High Deductible Health Plan.
• The Court will contribute $900 annually over 26 pay periods into your Sterling HSA account.

 

You must open your HSA with Sterling HSA. If you do not open your account you will not be able to receive any of the Court’s contributions. 

• http://www.sterlinghsa.com/
• HSA Information
• HSA Packages, Fees and Enrollment Kit
• HDHP and HSA Basics Video
• HSA: How They Work
• HSA Store
• HSA, HRA, FSA Sample Eligible Expenses
• HSA Tax Savings and Investment Options

 

SUPPLEMENTAL LIFE AND AD&D Insurance

All regular employees may enroll in Supplemental Life Insurance through VOYA. Premiums are determined by your age and will be withheld from your paycheck.

For any amount elected after your initial eligibility period (31 days), you must provide Evidence of Insurability (EOI) and be approved for the amount elected.

Class	Amount of Supplemental Life Insurance*	Amount of Supplemental AD&D Insurance*
Eligible Employees	Can elect from $20,000 to $500,000 in $10,000 increments	$10,000**
Spouse or Domestic Partner	Can elect from $20,000 to $500,000 in $10,000 increments not to exceed 100% of Employee's Supplemental Life Insurance amount	Employee must have coverage.
Child	Can elect $5,000 or $10,000 From birth to age 19 or full-time student under 26 years of age.	From 6 months until age 26. Child under 6 months covered for $1000. Employee must have coverage.

* Your amount of Supplemental Life and AD&D will decrease to 65% on your 65th birthday, to 50% of original coverage amount at age 70 and to 30% of the original coverage at age 75.

** A $10,000 AD&D policy is included with the Employee's Supplemental Life insurance policy for a minimal fee.

Supplemental Rates

VOLUNTARY HOSPITAL CONFINEMENT INDEMNITY PLAN

The plan pays a daily benefit if you have a covered stay in a hospital, critical care unit or rehabilitation facility.  This voluntary benefit is separate from your Blue Shield hospital benefit  This plan will pay you a lump sum which you can use to help offset copays, coinsurance, deductibles that you incur for a hospital admission or you can use it to pay bills, rent or buy groceries.

The plan also has a Wellness benefit that provides an annual amount if you complete a health screening test.  For employees, the annual benefit amount is $50 for completing a health screening test.  Your spouse's benefit amount is $50. The benefit for child coverage is 50% of your benefit amount per child with an annual maximum of $100 for all children.

Learn more

VOLUNTARY PERSONAL ACCIDENT INSURANCE

All regular employees may enroll in voluntary Personal Accident Insurance (PAI) through VOYA. Premiums are based on a flat rate per $1,000 and will be withheld from your paycheck. Coverage can be elected for Employee only or Family (Spouse/Domestic Partner and Child). Evidence of Insurability (EOI) is not required for PAI.

For you

• Coverage amounts from $25,000 to $300,000 in $25,000 increments not to exceed 10 times your annual salary.
• Benefit reduced by 65% at age 65; to 50% of original coverage amount at age 70 and to 30% or the original coverage at age 75.
• Benefit ceases at retirement.
• Rate: Coverage times $.04/$1,000

 

For your family

• Spouse coverage amount equal to 50% of employee coverage.
• Child coverage is equal to 10% of employee amount.
• Rate:  Coverage times $.56/$1,000
• Personal accident insurance rates

CRITICAL ILLNESS INSURANCE

Compass Critical Illness Insurace through VOYA Financial is a limited benefit policy and is not health insurance. This policy pays a benefit on top of any health insurance benefits you currently receive. Critical illness insurance pays you a lump sum benefit upon diagnosis of a covered illness such as cancer, heart attack or stroke. Payments are made directly to you to cover copays and deductibles, at-home care or even your monthly bills. This policy offers an annual Wellness benefit that provides a $150 reimbursement for each covered employee and spouse who completes a covered health screening. The child benefit is 50% of employee amount with a maximum of $300 in child wellness benefits.

Learn more here:

• Critical Illness Enrollment at a Glance

• Critical Illness Rates

• Critical Illness a Limited Benefit Policy

• Critical Illness Certification of Coverage

COMPASS ACCIDENT INSURANCE

Voluntary Compass Accident Insurance is offered by Voya Financial. This policy helps you pay for the out-of-pocket costs you may experience after an accident. The policy pays a lump sum amount depending on the type of injuries you have sustained such as broken bones, torn ligaments, burns, as well as for expenses from hospitalizations, the ER, office visits or physical therapy. You may use this amount to pay for everyday living expenses or to pay healthcare costs. The policy also has an annual Wellness Benefit that pays you $100 for completing a screening, an additional $100 to covered spouse and $50 for a child.

Learn more here:

• Compass Accident Enrollment at a Glance

• Compass Accident Rates
  

• Compass Accident a Limited Benefit Policy

• Compass Accident Certification of Coverage

Covered members may submit the same wellness claim for reimbursement in both plans.

 

CARECOUNSEL-HEALTHCARE ADVOCACY PROGRAM

CareCounsel is an independent organization and is not part of your health plan. They are a healthcare assistance program with personal health advocates that can help you navigate the complexities of your health plan benefits. Your CareCounselor will listen to your concerns, answer questions, guide you to the appropriate resources, and intervene on your behalf for issues that confuse or frustrate you.

RESOURCES FOR YOUR HEALTHCARE NEEDS.

Some of the areas that CareCounsel can help are:

• Choosing a health plan for you and your family
  
• Selecting doctors and hospitals
  
• Troubleshooting claims problems
  
• Obtaining care or referrals
  
• Understanding your benefits
  
• Addressing quality-of-care concerns
  
• Communicating effectively with your doctor
  
• Getting the most from your healthcare dollars
  
• Finding resources for a health condition
• Transitioning to Medicare | Video Series

 

Contact CareCounsel at 1-888-227-3334 or at staff@carecounsel.com
http://www.carecounsel.com/

 

EMPLOYEE ASSISTANCE PROGRAM

The Employee Assistance Program (EAP) offers free professional, confidential assistance with personal and workplace problems. Services are offered to the employee or any member living in the household. The program is provided through MHN and is available to employees and their immediate family members. You have 24 hour toll-free phone access to EAP professionals 7 days a week. This program is voluntary, completely confidential and at no cost to you.

When you call MHN, free interpretation services are available in over 170 languages. We also contract with a vendor who can physically attend appointments with you, at no cost, if you need help communicating with doctors or other providers.

You are entitled to 3 face-to-face sessions or telephonic or web-video consultations per incident per plan period.

Trained counselors who can assist with:

• Child & elder care assistance
  
• Marriage or family relationships
  
• Stress, anxiety and depression
  
• Balancing work and home
• Parenting
  
• Alcohol or drug dependency
  
• Legal services
  
• Financial services
  
• Identity theft
  
• Daily living services

 

For more information visit https://www.mhn.com or call 800.242.6220
Company Code: sbcountycourts

QUIZZIFY

Improve your healthcare literacy!

Quizzify offers entertaining and informative trivia questions about health, medicine, fitness and more.

Did you know?

• A CAT scan has 1000 times more radiation than an xray?
• Long term use of certain heartburn medications could affect your bone, kidney and heart health?
• Many "energy" bars contain sugars disguised as healthy ingredients?

Quizzify helps prepare you to advocate for yourself as a healthcare consumer.  Through monthly qizzes it shows you how to improve your lifestyle, and avoid potentially harmful medical care…all with a little added humor!

• Take quizzes, earn points, gain knowledge and make healthier decisions.

Sign up and play now at sbcourts.quizzify.com

ANNUAL NOTICES

View annual notices here:
 

• Medicare Part D Notice
• Women's Health and Cancer Rights Act
• Newborns' and Mothers' Health Protection Act
• HIPPA Privacy Notice
• HIPAA Notice of Special Enrollment Rights
• ACA 1557 Notice
• Notice of Grandfathered Plan Status
• Medicaid and the Children's Health Insurance Program (CHIP)
• Rules for Benefit Changes During the Year

 

HR staff will be available to assist you if you encounter any problems.

• x4739: Denyse Avila
• x4715: Teri Carter
• x6698: Dori Sikes
• x4545: Stephanie Robbins

 

If you have questions but are unable to attend a question and answer session, please contact Care Counsel (888-227-3334) or Superior Court Human Resources hr@sbcourts.org