Get Ready to Enroll!

USG Open Enrollment is October 23 – November 3, 2023.  Begin learning about your 2024 benefits by using one of the following resources:

What's New or Changing for 2024

• Healthcare Plan Premiums

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  Retiree Monthly Premium  (+/- $ Change from Current)	Anthem (USG Self-Insured Coverage)			Kaiser  (Fully Insured)
  Tier	Consumer Choice HSA	Comprehensive Care	BlueChoice HMO	HMO
  Retiree	$89 (+$6)	$207 (+$13)	$253 (+$25)	$189 (+$17)
  Retiree + Child(ren)	$189 (+$12)	$401 (+$26)	$486 (+$48)	$362 (+$33)
  Retiree + Spouse	$220 (+$14)	$468 (+$30)	$567 (+$56)	$423 (+$38)
  Family	$315 (+$20)	$668 (+$43)	$809 (+$80)	$604 (+$55)

• Healthcare Plan Designs

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  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 HSA	ANTHEM COMPREHENSIVE CARE	ANTHEM BLUECHOICE HMO	KAISER 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

  Your formulary can change throughout the year, so make sure to periodically check your medications against the approved drug list. 

  Keep tabs on your prescription coverage

  Although the formulary can change during the year,  you can expect a number of changes beginning January 1, 2023. Even if your medications have not changed, the list of approved medications may have changed, 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:

  • Review the 2024 Standard Drug List
  • Review the 2024 Specialty Drug List
  • Preventative Drug list(All Plans) - (Coming Soon)
  • Consumer Choice HSA Preventative Drug List - (Coming Soon)

  Kaiser Permanente: 

  • Review the Kaiser 2024 Approved Drug List

  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 Premiums

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  Retiree Monthly Premium  (+/- $ Change from Current)	Delta Dental Base	Delta Dental High
  Retiree	$34.22 (+$2.24)	$42.30 (+$2.78)
  Retiree + Child(ren)	$65.02 (+$4.28)	$80.36 (+$5.28)
  Retiree + Spouse	$68.46 (+$4.50)	$84.56 (+$5.56)
  Family	$109.52 (+$7.20)	$135.36 (+$8.90)

• Anthem Advocate Support

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  For all retirees 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 Health^SM  app.

  How to download the Sydney Health^SM 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 Health^SM app today: Register for Your Online Anthem Account | Anthem.com

• Diabetes Management Program

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

Action Required: Surcharge Certification

• Tobacco Surcharge

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  Action Required: Tobacco Certification 

  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 products.

   

  2024 Tobacco Surcharge NOTE: If you don’t certify, you will be charged the monthly surcharge.
  Retiree	Spouse	Children 18+ (one surcharge for all children who use tobacco)
  $150/month	$150/month	$150/month

   

  Remember to review your confirmation statement and make any corrections by December 31, 2023, to ensure your coverage and surcharge elections are captured correctly. 

• Tobacco Cessation

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  That’s great! 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

• Confirm your Beneficaries

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  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.
  • Retirement Plan:  Review and/or update your beneficiary information with your retirement vendor. For vendor contact information, visit the USG Retirement website.

  To update your life insurance beneficiaries, log in to oneusgconnect.usg.edu or call 1-844-587-4236 from 8 a.m. to 5 p.m. Eastern time, Monday through Friday.

How to Enroll

To update your USG Healthcare, Dental and Vision coverage or to update your life insurance beneficiaries, 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.

Frequently Asked Questions

• I am planning to retire November or December 1, 2023, what should I do during Open Enrollment?

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  If you notified your campus HR department before October 15, you will not receive an Active Open Enrollment event. Once you retire, you will automatically be enrolled in the same healthcare, dental, vision and basic life insurance you had in place just prior to retirement. Next, the Retiree Open Enrollment event will trigger. You will need to complete this Open Enrollment event in order to avoid being charged the tobacco use surcharge.

• I am planning to retire January 1, 2024, what should I do?

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  If you notified your campus HR department before October 15, you will not receive an Active or Retiree Open Enrollment event. Once you retire, you will automatically be enrolled in the same healthcare, dental, vision and basic life insurance you had in place just prior to retirement. 

• I am currently retired but will turn age 65 during Open Enrollment, what do I need to do?

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  Approximately 90 days before your 65th birthday, you should enroll in Medicare Part A & B. Additionally, you should have begun receiving communications from Alight Retiree Health Solutions (ARHS). You will need to make an appointment with an ARHS enrollment counselor to select a Medicare Supplement, Medicare Advantage, or Medicare prescription drug plan in order to receive the annual employer Health Reimbursement Account (HRA) contribution. 

  Review the Planning to Retire guide or attend the Turning 65? Now, What webinar for more information. 

  Now, What webinar  for more information.

• I plan to retire next year but my spouse has coverage through his/her employer. Will I be responsible for the working spouse surcharge if I add my spouse during Open Enrollment?

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  Your spouse can remain covered under their employer's healthcare plan. You do not need to add your spouse during Open Enrollment. You can add your spouse to your USG retiree healthcare coverage once they lose coverage with their current employer. You must contact OneUSG Connect - Benefits to initiate the qualifying life event for your spouse, within 30 days of their loss of coverage.  If your spouse is age 65 or older at the time of retirement, they will also need to enroll in Medicare Part A & B and select a supplemental healthcare plan with Alight Retiree Health Solutions in order to receive the annual contribution to their Health Reimbursement Account.