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What You Need To Know

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Civilian Open Enrollment & Benefits FAQs
Benefits Information Video Library

Health Plan Cost Estimator

Eligibility / Dependent Eligibility
Domestic Partners
Domestic Partner Enrollment Packet
Domestic Partner Tax Implications
Qualifying Life Events
Premiums
Medicaid and the Children's Health Insurance Program (CHIP)
HIPAA Notice of Privacy Policies
USERRA

2014 Civilian Benefit Matters
Summary of Benefits and Coverage
Medical
Medical Summary Plan Document - Consumer Choice
Medical Summary Plan Document - New Value & Premier
Prescription Drug Benefit
Flexible Spending Accounts
Dental
Vision
Life Insurance
Accidental Death & Dismemberment
Short-Term Disability
Long-Term Disability

Texas Municipal Retirement System
Deferred Compensation
ICMA-RC
Nationwide

What You Need To Know

Complete details about the medical plan are available in the Summary Plan Document -Consumer Choice or the Summary Plan Document - New Value & Premier. In the event of any discrepancy between any document and the official Plan Document, the Plan Document shall govern.

Benefits Information Video Library
For a brief overview of the City's medical, vision, Flexible Spending Account, Health Savings Account, and life insurance benefits, visit the City's Benefits Information Video Library. To view a brief video about the City's dental plan, click here.


Health Plan Cost Estimator
The Health Plan Cost Estimator allows you to compare the cost differences between the City’s four health care options. This easy-to-use tool considers your estimated out-of-pocket expenses to help you select the plan with the lowest overall costs to you. It provides detailed comparisons for premiums, plan costs, and more. You can even use this tool to compare the costs of the City’s plan offerings with those of your spouse’s/domestic partner’s employer’s plan.

A Flexible Spending Account contribution calculator is included in this tool, and it helps you determine how much you should contribute to a Flexible Spending Account. Based on the bi-weekly amount you decide to contribute, you will be able to see your estimated tax savings.

How it Works
1. Click here to access the Health Plan Cost Estimator. Username: SanAntonio2014   Password: benefits
2. Enter basic details about you and your dependents.
3. Indicate the health care usage for you and each of your dependents.
4. View your health care plan expenses and estimates.

Contact Human Resources Customer Service at 210-207-8705 or your department's Employee Relations Team for assistance using this tool.


Eligibility / Dependent Eligibility
All full-time civilian City of San Antonio employees and their eligible dependents have the ability to participate in the Civilian Benefits Program. Part-time and temporary (seasonal) employees who work less than 30 hours per week are not eligible to enroll.

Employees with alternate health care coverage have the option of waiving the City’s health care coverage during Open Enrollment or within 31 days from their date of hire. If this is the case, employees will be asked to provide information about their alternate health care coverage.

  1. Adding a Dependent - Required Information

    Type of Eligible Dependent

    The following is a list of information required by the City to add a dependent. Additional information may be requested to complete your enrollment.

    Spouse

    The City requires:
    Copy of marriage license OR Declaration of Informal Marriage, AND
    Properly completed enrollment form

    Domestic Partner
    (Same-gender or opposite gender)

     

    The City requires:
    An Affidavit of Domestic Partnership, AND
    Properly completed enrollment form

    In addition, two (2) of the following supporting documents are also required:
    Joint lease or mortgage, OR
    Joint bank account, OR
    Joint credit card, OR
    Jointly paid household expense (ex: utility bill) with both names, OR
    Beneficiary of life insurance or will, OR
    Power of attorney

    Dependent Child
    Up to age 26

    (Biological child, stepchild, adopted child, Domestic Partner child, or foster child)

    The City requires:
    Properly completed enrollment form

    In addition, one (1) of the following supporting documents is also required:
    Copy of birth certificate OR Verification of Birth Facts, OR
    Copy of adoption agreement, OR
    Copy of Qualified Medical Child Support Order, OR
    Copy of court custody or guardianship documents


Domestic Partners
City-sponsored benefits are available to domestic partners (same and opposite gender) and their dependent children. Domestic partnership is defined as a committed relationship between two (2) adults, which meets all of the following conditions:

• Partnership is in effect for at least six (6) months;
• Both partners at least 18 years of age;
• Both partners are each other’s sole domestic partner and intend to remain so indefinitely;
• Neither partner is married (legally or by common law) to, or legally separated from anyone else;
• Partners are not related by blood or marriage to a degree of closeness that would prohibit marriage in the state in which they reside;
• Both partners agree they are in a committed relationship and consider each other jointly responsible for each other’s    common welfare and financial obligations; and
• Both partners agree that they are not in the relationship solely to obtain benefits coverage.


Domestic Partner Enrollment Packet
The Domestic Partner Enrollment Packet includes an enrollment form, the Affidavit of Domestic Partnership, and information regarding domestic partner tax implications. The completed Domestic Partner Enrollment Packet along with all of the required information must be submitted to your department's Human Resources Generalist or to Human Resources Customer Service during Open Enrollment or within 31 days of establishing a domestic partnership to add to your domestic partner to the City's health plans.


Domestic Partner Tax Implications
When you enroll your domestic partner or your partner’s child in one of the City’s health plans, the IRS considers the City’s contribution toward the additional coverage as income for federal tax purposes. This income is the amount the City contributes towards the cost of additional coverage for your domestic partner and/or your partner’s child. Any increase in your bi-weekly payroll deduction amount to cover your domestic partner and/or your partner’s child is also taxable.

The amount of this income depends upon the plan in which you are enrolled and the level of your coverage. This income increases your taxable gross income for federal income taxes and FICA (Social Security and Medicare). Taxes are withheld from your paycheck and will be reported on your annual W-2 form. More details are available in the Domestic Partner Enrollment Packet.

This monthly income must be added to your gross taxable income per IRS Code. Below is a simplified example of how this income is calculated. The City understands that this is a complex issue. Please consult your personal tax advisor for assistance.

If the City contributes $651.61 toward your total bi-weekly medical premium for Employee + Family (Domestic Partner and Domestic Partner child), and

If the City contributes $290.74 toward your total bi-weekly medical premium for Employee Only, then $360.87 is the difference of
bi-weekly income you would be taxed on.

$651.61 (City contribution)

$290.74 (City Contribution)

$360.87 = ($651.61 - $290.74)



Qualifying Life Events
The elections made during Open Enrollment remain in effect for the entire year, January 1 through December 31, 2013. The IRS requires that your benefit elections remain in effect the entire calendar year, unless you experience a Qualifying Life Event.

Qualifying Life Events may include:
• Marriage
• Establishment of a Domestic Partnership
• Divorce, Legal Separation, Annulment, or Dissolution of a Domestic Partnership
• Birth or Adoption of an Eligible Child
• Change in your or your spouse’s/domestic partner's work status (full-time or part-time) that affects benefits eligibility
• Change in your child’s eligibility for benefits
• Qualified Medical Child Support Order
• Death of a dependent

You must notify the Employee Benefits Office within 31 calendar days of your Qualifying Life Event and provide all required documentation. If you fail to notify the Employee Benefits Office within 31 days and do not provide documentation, you must wait until the next Open Enrollment period to change your benefit elections.


Premiums
The City of San Antonio is concerned for the health and welfare of its employees and is committed to providing cost-effective benefits that assist employees in being physically and mentally healthy. See page three (3) of the
2014 Civilian Benefits Matters
to view the b-iweekly employee premiums.


Medicaid and the Children's Health Insurance Program (CHIP) Notice
Click here to view the Medicaid and CHIP notice.


HIPAA Notice of Privacy Policies
Click here to view the HIPAA Notice of Privacy Policies.


USERRA Notice
Click here to view the USERRA notice.