Let's Make It Easy!
Consider Where You Live
North Shore-LIJ is offering a a new medical plan option through our own insurance company, CareConnect. CareConnect offers coverage only through their own network, but their network is BIG - 20,000 providers and growing: Manhattan, Bronx, Brooklyn, Westchester and Eastern Long Island . Look here
Consider Childcare and Elder Care Expenses
When Open Enrollment rolls around be sure to keep in mind what you pay out for daycare, camp and after-school expenses for a child under the age or 13, as well what you pay for providing care for an aging parent. North Shore-LIJ (soon to be Northwell Health) has partnered with WageWorks to help you save on this overwhelming dependent care expense through pre-taxed payroll deduction, called the Dependent Flexible Spending Account. Check it out on WageWork.com
Consider Your Disability Plan
You may want to consider buying up your disability plan. Employees are automatically enrolled into a 50% Short-Term Plan once hired through the health system. Consider "buying up" during Open Enrollment and you will be covered at 60% of your base pay up to $2,000 per week. Evidence of Good Health will be required.
Comments on the Blog: Go for it! We will try to answer every question asked.
19 comments:
Will there still be out of area benefits for employees who don't live close to a North Shore facility?
In response to 11.12 at 8:51 am: Yes - if you live outside the primary service area of North Shore-LIJ's providers or facilities you will be considered "Out-of-Area" and will pay only copays ($20/$40) for an office visit to a United Healthcare In-Network physician in your neighborhood. If you lived inside our service area you would be paying a coinsurance and deductible when using In-Network United provider. The health system is constantly looking for ways to cover our participants for the least amount of money.
I am over 65 and enrolling in the Buy-Up plan, will I need to use Medicare?
If Care Connect is chosen and you are out of state and get injured/sick, are you fully responsible for all costs? How does that differ from the Value Plan? Thanks.
In response to November 12 at 4:36pm: As long as you are an active North Shore-LIJ employee your Buy-Up plan is your primary plan. There is no need for you to enroll in Medicare until you retire. Thanks very much for your interest!
In response to November 12 at 6:10pm: CareConnect has its own network of providers, and although it is a robust network with over 20,000 providers concentrated in the five boroughs, Eastern Long Island and Westchester county, the plan only covers you within that system. You do not have the option to choose out-of-network services. The Value Plan offers you out-of-network services should you choose to use them, and although you will pay a deductible and coinsurance - you do have the option to use out-of-network. A good example: You decide you have knee replacement at Hospital for Special Surgery and you are with CareConnect's Plan - you will pay full price and will not be covered. If you were on the Value Plan - you would pay a deductible and 50% coinsurance. I hope that helps to clarify. Take a look at CareConnect's providers at www.careconnect/providers.
Where can I see ConnectCare'S medical plan summary? I received an e-mail a while back but was unable to open it.
Hi Michael - You can find information about CareConnect's medical plan on the employee intranet - just review the Benefit Resource Guide. https://intranet.northshorelij.com/NSLIJ/hr/benefits/Pages/default.aspx
You will be receiving more communications prior to November 30th's Open Enrollment. If you need immediate answers, call CareConnect's awesome customer service center at 855-706-7545.
In the past I've used my spouse's insurance but I always added extra disability to 60% and paid for this.Do I need to fill out any
The page wouldn't let me finish typing. I wanted to know if any new forms needed to be filled out? Thanks
In response to November 29 at 10:32 am: Benefits Open Enrollment can be accomplished online by visiting ess.nslijweb.com. Login and click on Personal Information. Hit Self Service>Benefits>Open Enrollment. Here you can review and change your benefits from last year, or waive, or enroll for the first time. If you are having trouble navigating, review the 2016 Benefits OE Enrollment Guide on the employee intranet>myHR>Total Rewards>Benefits.
Where can I find a comparison that shows how much the programs will cost (from my paycheck) for the Value plan vs Buy up plan vs CareConnect plan?
In response to November 30 at 9:32am: A document can be found on the employee intranet. Go to myHR>TotalRewards>Benefits. Under Useful Links click on Benefits Enrollment. There you will find a document entitled 2016 Benefits.Employee Cost Share.
if there is a domestic partnership situation, can my partner qualify under my health insurance? my partner does not qualify for insurance at work (employer does not offer it). I believe it is a NYS law to accept domestic partnership? Anyone knows true answer
In response to December 3 at 3:56pm: A dependent must be a legally married spouse, a child under 26, or an adult who is incapable of self support due to a mental/physical condition.
I guess the Wellness Pledge credits are only good for active employees, receiving regular paychecks throughout 2016? If an employee is retiring in early 2016, does that mean he will not get any "payback" for the Wellness Credits after leaving employment? Thank you.
In response to December 10 at 7:58am: You must be an active employee who is on the North Shore-LIJ payroll to receive the paycheck credits. Even though you may miss out on a few credits, your actions for preventive care are positive ones. Thank you and happy and healthy retirement!
I never submitted my benefits selection on ESS before the midnight deadline last night. Will it just keep the same benefits for 2016? Or did I have to re-enroll in everything?
In response to December 12 at 11:47 am: If you did not do a thing during Open Enrollment your benefits will rollover from 2015 into 2016, but you did miss out on the setting aside money in the Flexible Spending Accounts.
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