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2024 Benefits for Active Employees

USG Open Enrollment Video
USG Benefits Fairs Schedule
Open Enrollment Recorded Presentation

What's New or Changing for 2024

  • Healthcare Plan Premiums

    Employee Monthly Premium 

    (+/- $ Change from Current)

    Anthem

    (USG Self-Insured Coverage)

    Kaiser 

    (Fully Insured)

    Tier

    Consumer Choice HSA

    Comprehensive

    Care

    BlueChoice HMO

    HMO

    Employee

    $89 (+$6)

    $207 (+$13)

    $253 (+$25)

    $189 (+$17)

    Employee + Child(ren)

    $189 (+$12)

    $401 (+$26)

    $486 (+$48)

    $362 (+$33)

    Employee + Spouse

    $220 (+$14)

    $468 (+$30)

    $567 (+$56)

    $423 (+$38)

    Family

    $315 (+$20)

    $668 (+$43)

     $809 (+$80)

    $604 (+$55)

  • Healthcare Plan Designs

    There will be some changes to the copayments, coinsurance, deductibles, and out-of-pocket maximums across all four USG healthcare plans in 2024. The Consumer Choice HSA and Comprehensive Care plans both offer in-network and out-of-network coverage. For complete details, review the 2024 Comparison Guide.

    You will see some plan design changes across all four USG plans, including:

     ANTHEM CONSUMER CHOICE HSAANTHEM COMPREHENSIVE CAREANTHEM BLUECHOICE HMOKAISER PERMANENTE HMO
    Coverage

    In-network*

    In-network*

    In-network only

    In-network only

    Deductible

    (Single/Family)

    $3,000/$6,000

    $1,300/$3,900

    None

    None

    Annual out-of-pocket maximum (Single/Family)

    $4,700/$9,400

    $2,850/$5,700

    $5,500/$9,900

    $6,350/$12,700

    PCP required

    No

    No

    Yes

    Yes

    Preventive care

    Plan pays 100%

    Plan pays 100%

    Plan pays 100%

    Plan pays 100%

    Physician office visit/ specialist visit

    You pay 20% after deductible

    $25 copay/ $50 copay

    $40 copay/ $90 copay

    $40 copay/ $75 copay 

    Urgent care

    You pay 20% after deductible

    $50 copay

    $70 copay

    $75 copay

    Inpatient hospital services

    You pay 20% after deductible

    You pay 10% after deductible

    $750 copay

    $600 copay

    Outpatient hospital services

    You pay 20% after deductible

    You pay 10% after deductible

    $400 copay

    $400 copay

    Emergency care

    You pay 20% after deductible

    $300 copay, then you pay 10% after deductible

    $500 copay

    $400 copay

    Keep tabs on your prescription coverage

    Although the formulary can change during the year, you can expect a number of changes beginning January 1, 2024. Even if your medications have not changed, the list of approved medications may have, so make sure you periodically check your medications against the approved drug list. To see the most up-to-date drug list, log into your account with CVS/Caremark or Kaiser Permanente. 

    If you are not currently enrolled in coverage and want to view the approved drug list:

    CVS/Caremark:

    Kaiser Permanente: 

    Remember! Regardless of the pharmacy plan that you are covered by, each plan has a list of ACA preventive medications that are covered at $0 employee cost-share, before the deductible. Log into your account with CVS/Caremark or Kaiser Permanente for a list of preventive medications. 

  • Dental Plan Premium

    Employee Monthly Premium 

    (+/- $ Change from Current)

    Delta Dental Base

    Delta Dental High 

    Employee

    $34.22 (+$2.24)

    $42.30 (+$2.78)

    Employee + Child(ren)

    $65.02 (+$4.28)

    $80.36 (+$5.28)

    Employee + Spouse

    $68.46 (+$4.50)

    $84.56 (+$5.56)

    Family

    $109.52 (+$7.20)

    $135.36 (+$8.90)

  • Anthem Advocate Support

    For all employees enrolled in an Anthem healthcare plan, customer service and healthcare support will move from Accolade to Anthem’s Total Health, Total You program in 2024. 

    Anthem Total Health, Total You Program

    Anthem members will receive simplified and personalized support through the Total Health, Total You program. Anthem provides access to an advocate to help you navigate your healthcare — they’ll connect you to the right care and resources, at the right time. 

    Your Anthem advocate will help you:

    • Get quick answers to your questions. 
    • Connect with a nurse or health coach for guidance.
    • Find the right healthcare provider to meet your needs. 
    • Access tools and resources in your healthcare ecosystem. 
    • And, so much more. 

    All of this is included in your healthcare plan, at no additional cost to you or your family. You can connect with an Anthem advocate by phone, chat or secure messaging.

    Connect to Anthem by downloading and registering via the Sydney HealthSM  app.

    How to download the Sydney HealthSM app:

    To get started, have your Anthem ID card ready. 

    1. Download the Sydney Health app and select Register New Account or go to anthem.com/register.
    2. Select your identification type (this is usually your member ID).
    3. Enter your plan ID number, full name and date of birth.
    4. Follow the one-time security prompt and create a username and password. (Use the same login information on the app and website.)
    5. Review your information to complete your registration.

    Use the Sydney Health app anytime to: 

    • Find care and compare costs.
    • See what’s covered and check claims.
    • View and use digital ID cards.
    • Check your plan progress.
    • Chat with a Health Advocate.

    Download the Sydney HealthSM app today: Register for Your Online Anthem Account | Anthem.com

  • USG Well-being Program

    We are making changes to the USG Well-being Program, placing a renewed focus on your health! For all employees and their spouses who are enrolled in a USG healthcare plan, the Well-being Program year will begin January 1, 2024, and all activities currently provided through Virgin Pulse will now be managed through your healthcare plan.

    How the 2024 Well-being Program works

    The earning opportunities for the program will now be offered to you through your USG healthcare plan — either Anthem or Kaiser. 

    A well-being credit of up to $100 will be available to employees and their spouses:

    • For Anthem members: healthy activities include getting a preventive care exam or vaccine, taking a Health Assessment, tracking steps, and more. 
    • For Kaiser members: you must complete a 5-step program that includes accepting your agreement, taking your total Health Assessment, knowing your numbers, getting screened and making a lifestyle change. 

    Ready to get started? The earning period is January 1 through December 31, 2024, and credits will be paid in 2024 by gift cards. 

  • Diabetes and Weight Management Programs

    For all employees enrolled in an Anthem healthcare plan, diabetes management programs currently provided through Livongo will be provided through Anthem in 2024. 

    Diabetes and Weight Support Programs

    • If you are enrolled in an Anthem healthcare plan in 2024, you will be offered disease and weight support programs through Anthem and institution-based programming
    • All employees who are enrolled in a USG healthcare plan will have access to weight loss support through WeightWatchers®! 

Action Required: Surcharge Certifications

  • Tobacco and Working Spouse Certifications

    If you are enrolled in a USG healthcare plan, you are required to complete certifications each year during Open Enrollment. You must certify whether you (and your covered family members age 18+) use tobacco and whether your spouse has access to coverage through their employer. 

    To learn more about the tobacco use and working spouse surcharges and when they apply, click here to learn more.

     

     

    2023 Surcharges

    Tobacco Use Surcharge

     

    Working Spouse Surcharge

    Employee

    Spouse

    Children 18+

    (One surcharge for all children who use tobacco)

    $150/month

    $150/month

    $150/month

    $150/month

    *The working spouse surcharge does not apply to retirees.

    Remember to review your confirmation statement and make any corrections by December 31, 2023, to ensure your coverage and surcharge elections are captured correctly. That includes making sure your tobacco use and working spouse certifications are complete and have been captured correctly.

  • Tobacco Cessation

    Select the “cessation” option to notify us of your intent to quit.  By selecting the cessation option, you will not be charged the surcharge until April 1, 2024. View the list of no-cost cessation programs and resources available to you. Then, complete a tobacco cessation program of your choice and notify the One USG Connect – Benefits Call Center of your completion of the program. If you stop using tobacco products or complete a tobacco cessation program, you must update your tobacco user status with OneUSG Connect - Benefits at 844-587-4236 to avoid being charged the surcharge. 

    If you do not complete a cessation program, become a non-tobacco user or fail to update your user status, the tobacco surcharge will be applied beginning April 1, 2024. You may update your status at any time during the year, but the surcharge will be removed the first of the month following the date you update your status (e.g., Status update May 15, surcharge removed effective June 1). 

Other Information

  • Flexible Spending Account

    If you are contributing to a Healthcare Flexible Spending Account (FSA), Limited Purpose Flexible Spending Account (FSA) and/or Dependent Care Flexible Spending Account (FSA) you must re-enroll each year during Open enrollment. Elections will not roll over for 2024. 

    Additionally, if you are currently enrolled in an FSA for 2023, you must incur eligible expenses by March 15, 2024. You must file for reimbursement by March 30, 2024. If you fail to use all your FSA contributions, you will forfeit those funds. Funds cannot be returned to you per IRS guidelines

  • Health Savings Account

    If you are currently enrolled in a Health Savings Account (HSA) with HSA Bank, your elections and contributions will continue into 2024. Additionally, USG will match dollar for dollar to your HSA — $375 for employee and $750 for family. You can double your money by contributing to an HSA in 2024!

    If you are not enrolled in an HSA but are enrolled in the Consumer Choice HSA healthcare plan, you’re eligible to have a Health Savings Account (HSA) with HSA Bank. Visit the HSA Bank Resource Center to learn more about why you should contribute to an HSA.

    Switching from an FSA to an HSA?

    If you switch from a Healthcare flexible spending account (FSA) to a Health Savings Account (HSA) during Open Enrollment, you must have a $0 balance in your FSA as of December 31, 2023. If you do not have $0 as of the end of the year, your Health Savings Account contributions cannot begin until April 1, 2024. Your contributions will not start automatically. You must contact OneUSG Connect - Benefits at 1-844-587-4236

  • Shared Sick Leave

    Open Enrollment is your annual opportunity to enroll and participate in your institution's Shared Sick Leave pool. To participate, contact your institution’s HR/Benefits Department.

  • Confirm your Beneficiaries

    Even if you’re not enrolling in healthcare, you will need to add a beneficiary for your Basic Life and/or Health Savings Account. You will need to have your beneficiary’s name, contact information, and Social Security number.

    • Life Insurance: During your enrollment, you will be prompted to add a beneficiary.
    • Health Savings Account: You will need to add a beneficiary through the HSA Bank portal at myaccounts.hsabank.com/Login.aspx

    Also, remember to update your beneficiary information with your TRS or your retirement vendor (Corebridge Financial, Fidelity, TIAA). Review the contact page for vendor information. 

    To update your life insurance beneficiaries, log in to oneusgconnect.usg.edu or call 844-587-4236 from 8 a.m. to 5 p.m. Eastern time, Monday through Friday.

  • Supplemental Retirement Plans and CAPTRUSTAdvisory Services

    Need help deciding if a 403(b) or 457(b) is right for you? Meet with an independent CAPTRUST advisor. Schedule an appointment to get answers to your financial questions and leave with clear action steps to achieve your financial goals. 

    To begin making contributions, log in at oneusgconnect.usg.edu, and select OneUSG Connect. Visit the USG Benefits Website/Retirement  for additional information.

  • USG Employee Assistance Program (EAP)

    Kepro is now Acentra Health. You can access the EAP 24/7, 365 days a year. 

    • Call 1-844-243-4440 to get referrals, information or to ask questions.
    • Visit: usg.mylifeexpert.com
    • Password: USGCares

How to Enroll

To enroll in USG Healthcare & Voluntary Benefits, visit OneUSG Connect - Benefits, and select Manage My Benefits. If you have questions, call the OneUSG Connect - Benefits Call Center at 844-587-4236. Expert representatives are available 8 a.m. to 5 p.m. Eastern time, Monday through Friday.

Enroll on the Go with the Alight Mobile App!

  • Download the Alight Mobile app at alight.com/app, the App Store or Google Play.
  • Enter “University Sys” in the Your Employer field until “University System of Georgia” populates. Accept Terms of Service, Privacy Statement and Cookies.
  • Select Login with your employer credentials 

Frequently Asked Questions

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