2020 public listening sessions - mass.gov › files › documents › 2020 › 01 › 29...1 plan...

2020 PUBLIC LISTENING SESSIONS FOR THE BENEFIT PLAN YEAR JULY 1, 2020 – JUNE 30, 2021

@MassGIC

Group Insurance Commission

1 PRESENTED BETWEEN JANUARY 22 AND FEBRUARY 4, 2020

Agenda

• Who is the Group Insurance Commission?

• What are the goals of the Group Insurance Commission?

• What is the goal of this specific meeting? • Questions and Comments


Who is the Group Insurance Commission?


4


2nd

4

Commission Members

Valerie Sullivan (Public Member), Chair Bobbi Kaplan (NAGE), Co-Chair

Michael Heffernan Gary Anderson, Secretary of Administration & Finance Commissioner of Insurance

Elizabeth Chabot (NAGE) Adam Chapdelaine (Mass Municipal Association)

Edward Tobey Choate (Public Member) Christine Clinard (Public Member)

Tamara P. Davis (Public Member) Kevin Drake (Council 93, AFSCME, AFL-CIO)

Jane Edmonds (Retiree Member) Joseph Gentile (Public Safety Member)

Eileen P. McAnneny (Public Member) Patricia Jennings (Public Member)

Melissa Murphy-Rodrigues Anna Sinaiko (Health Economist) (Mass Municipal Association) Timothy D. Sullivan (Massachusetts Teachers Association)

5

PRESENTED BETWEEN JANUARY 22 AND FEBRUARY 4, 2020

What are the goals of the Group Insurance Commission?


@MassGIC


7

What are the goals of this specific meeting?


Share Information As Soon As Possible

Jan 16

2020

Feb 06

SPRING

DELIVER Benefit

Statements


Dec 19

DELIVER Benefit Guides

Annual Enrollment

Mar 09-20

WINTER

INFORM 1 Proposed Plan Design

Change

INFORM Claims

Cost Trend

Feb 27

Mar 16-27

Apr 06

May 01

2019 FALL

VOTE New Plan

Design

VOTE New

Premiums

Key Event Mailing/Publication/Online Posting Public Commission Meeting

6 Listening Sessions

9

Cost Trend Thursday, December 19, 2019


10

During the public meeting, Commissioners were informed that GIC has estimated the change in the Commonwealth’s share of FY2021 healthcare premiums will be an increase of 4.9%. This means that to pay the Commonwealth’s share of Members eligible healthcare claims, the estimated cost grows from $2.1 Billion in FY2020 to $2.2 Billion in FY2021. This rate applies only to the Commonwealth share of premiums and cannot be used for calculating the premiums for each of the 11 products. Premiums for the 11 products and the authorized designs will be calculated after February 6, when designs are fixed. By February 27, all premiums will be presented to Commissioners for a vote.

1 Plan Design Proposal Thursday, January 16, 2020


11

During the public meeting, GIC proposed a design change for one healthcare carrier (UniCare) to reduce or eliminate cost barriers to behavioral health care that do not exist within the medical coverage offered by that healthcare carrier.

FY2021 Plan Design: 1 CHANGE PROPOSED

• Elimination of some deductibles and coinsurances • Reduction of some copays

Reason(s) Changes(s) Remove or reduce barriers to behavioral health care


Coverage Impacted Services Impacted Behavioral Health • Outpatient Visits/Professional Services • Inpatient/Acute Services

Impact Costs

Member No change or lower costs, based on the member’s UniCare plan and utilization

State Impact on state costs to be determined by February 6

Carrier Plan Types Products

12

1 Plan Design Proposal Thursday, January 16, 2020


13

Because GIC is proposing a single Plan Design change, we also reported to the Commission that the portfolio of carriers and products will remain unchanged in FY2021.

Medicare Supplement Medicare Enhance

Medicare Supplement Medicare Supplement Plus

Medicare Supplements Medicare Extension OME with CIC Medicare Extension OME without CIC

CARRIERS Category Product Name

FY2021 Medicare/Products: NO CHANGES


Medicare Advantage Medicare Preferred Medicare Supplement Medicare Complement

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Regional Complete HMO

Broad Select Care Limited Direct Care

Broad Independence Limited Primary Choice

Regional HNE HMO

Broad Navigator Limited Spirit

National Basic w/CIC Broad Plus Limited Community Choice

CARRIERS Network Type(s) Product Name(s)

FY2021 Health Insurance Carriers/Products: NO CHANGES

PRESENTED BETWEEN JANUARY 22 AND FEBRUARY 4, 2020 15

What happens next?


Commission VOTE on Plan Design Proposal Thursday, February 6, 2020


17

During the public meeting on Thursday February 6, Commissioners will vote to accept or reject the single plan design change proposed. Once all the plan designs are fixed, GIC can begin calculating premiums for all 11 products.

Commission VOTE on FY2021 Premiums Thursday, February 27, 2020


18

During the public meeting on Thursday, February 27, Commissioners will vote to accept or reject the new FY2021 product premiums presented.

Benefit Statements Mailed between

Monday, March 9 and Friday, March 20


19

In the month prior to Annual Enrollment, GIC will mail a single-page statement of all current information about your healthcare plan, including product name, premiums, and dependents covered, if any. This will help you compare what you have now with what will be offered. You should review this information carefully to ensure it is accurate, current, and complete. There are instructions for updating it, which you can do online, by mail, or during Annual Enrollment. For your convenience, GIC has coordinated with the State Board of Retirement to include relevant retirement information on the reverse side of the Benefit Statement. Contact information is also provided for help with additional questions.

Benefit Decision Guides Mailed or Posted Online

Monday, March 23 and Friday, March 27


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These guides will be customized for each Member population across the Commonwealth to ensure the information about plan limits, product features, and premiums are accurate and complete. The four decision guides for each population include: Commonwealth of Massachusetts Active Employees Commonwealth of Massachusetts Retirees and Survivors Municipal Employees, Retirees and Survivors Retired Municipal Teachers and Elderly Government Retirees The following slides contain information about what is currently known about the products we will offer in FY2021.

Annual Enrollment Monday, April 6 to Friday, May 1

This is the only period when you may change products or add dependents without a qualifying event.

9 Benefit Fairs: Locations to be confirmed and posted online by February 6!


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TBC – BERKSHIRE COUNTY: Friday, April 10 from 10:00 AM – 2:00 PM

TBC – HAMPSHIRE COUNTY: Monday, April 13 from 11:00 AM – 3:00 PM

TBC – HAMPDEN COUNTY: Tuesday, April 14 from 11:00 AM – 3:00 PM

TBC – WORCESTER COUNTY: Thursday, April 16 from 11:00 AM – 3:00 PM

TBC – ESSEX COUNTY: Saturday, April 18 from 10:00 AM – 2:00 PM

TBC – SUFFOLK COUNTY: Tuesday, April 21 from 11:00 AM – 3:00 PM

TBC – SUFFOLK COUNTY: Friday, April 24 from 10:00 AM – 3:00 PM

TBC – BARNSTABLE COUNTY: Saturday, April 25 from 10:00 AM – 2:00 PM

TBC – NORFOLK COUNTY: Monday, April 27 from 11:00 AM – 3:00 PM

After the Commission VOTE on Premiums

Apr 06

By Mar31

2020

Jun

SPRING

Benefit Statements

Mailed

SUMMER

PRESENTED BETWEEN JANUARY 22 AND FEBRUARY 4, 2020 22

By Mar 17

Benefit Decision Guides

Available

Annual Enrollment Monday, April 6

to Friday, May 1

May 01

Jul 01

New Premiums

Begin

New Benefits

Begin

9 Benefit Fairs

Key Mailing/Publication/Online Posting Events New Premium/New Benefit Year

Questions and Comments


Contact GIC for Enrollment and Eligibility

Enrollment Retirement Premium Payments Qualifying Events Life Insurance Long-Term Disability Information Changes Marriage Status Changes Other Questions

24


Online Contact mass.gov/forms/contact-the-gic Any time. Specify preferred method of response by GIC (phone, email, mail) Email [email protected]

Telephone (617) 727-2310, Press 2 Monday through Friday 8:45 AM – 5:00 PM Eastern Except holidays *Photo ID required Walk-In* 19 Staniford Street

Boston, MA 02114

Correspondence P.O. Box 8747 Boston 02114

Allow for processing time

Paper Forms P.O. Box 556 Randolph, MA 02368

Contact Your Health Carrier for Product and Coverage Questions

Finding a Provider Accessing tiered doctor and hospital lists Determining which programs are available, like telehealth or fitness Understanding coverage


Health Insurance Carrier Telephone Website

AllWays Health Partners (866)-567-9175 allwayshealthpartners.org/gic-members

Fallon Health (866) 344-4442 fallonhealth.org/gic

Harvard Pilgrim Health Care (800) 542-1499 harvardpilgrim.org/gic

Health New England (800) 842-4464 hne.com/gic

Tufts Health Plan (THP) (800) 870-9488 tuftshealthplan.com/gic

THP Medicare Products (888) 333-0880

UniCare State Indemnity Plans (800) 442-9300 unicarestateplan.com

GIC Leadership Team

Joan M. Matsumoto, Interim Executive Director Denise Donnelly, Director of Benefit Procurement and Vendor Management John Harney, Chief Information Officer Paul Murphy, Director of Operations James Rust, Chief Fiscal Officer Andrew Stern, General Counsel Brock Veidenheimer, Director of Human Resources Mike Berry, Director of Legislative Affairs Linnea Walsh, Director of Marketing and Communications


2020 public listening sessions - mass.gov › files › documents › 2020 › 01 › 29...1 plan...

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