Introduction
Annual enrollment is your opportunity to learn about the 2022 benefits, review your current coverage and choose the best options for you and your family. Please review our 2022 Guidebook and SBC's under Employee Resources.
WHAT DO I NEED TO DO DURING THIS PASSIVE ENROLLMENT?
You have the opportunity to modify your current medical, dental, vision and HSA election(s) or enroll in coverage you previously waived. This is an passive enrollment, which means your current elections will carry over if you do not make an election during open enrollment.
WHY IS OPEN ENROLLMENT IMPORTANT TO ME?
Per Internal Revenue Service (IRS) rules, employees enrolled in pre-tax benefit plans may only make
elections or changes to their plans once per year. Because of these rules, your benefit elections will
be binding through December 31, 2022; however, you may make changes to your election if you
experience one or more of the following special circumstances, which are known as “Qualifying
Life Events":
• Marriage
• Birth, adoption or placement for adoption of an eligible child
• Divorce, legal separation or annulment of marriage
• Loss of spouse’s job or change in work status (when coverage is maintained through spouse’s plan)
• A significant change in your or your spouse’s health coverage that is attributable to your spouse’s employment
• Death of spouse or dependent
• Loss of dependent status
• Becoming eligible for Medicare or Medicaid during the year
• Receiving a Qualified Medical Child Support Order (QMCSO)
These Qualifying Life Events allow you to make plan changes during the year. For any allowable changes, you must inform the Human Resources
Department within 31 calendar days of the event. Benefit changes that are requested due to a ‘change of mind’ cannot be allowed until the next
Open Enrollment period. For additional information concerning plan changes, please contact Human Resources.
Benefits Overview
MEDICAL
The medical plans are remaining with Independence Blue Cross (IBC). Effective January 1, 2022 the IBC PPO $1,000/$25-50 has been replaced with a PPO $40-$70 plan.
- IBC HDHP $3,000/100%
- There are no changes to the benefits, this continues to be the lowest cost plan but the payroll contributions are changing.
- Reminder that this plan offers a preventative drug rider.
- IBC PPO $40-$70 - Here are the following changes from the PPO $1,000/$25-$50
- Middle plan option
- The annual deductible has been reduced to $0 for single and all other coverage tiers.
- This plan has set copays for service
- IBC PPO $35-$75
- There are no changes to the benefits, but the payroll contributions are changing.
If you wish to opt out of coverage with Sandmeyer Steel Company, you must provide Judy Grosso with proof of group sponsored coverage elsewhere.
HEALTH SAVINGS ACCOUNT (HSA)
• Employees enrolling in the IBC HDHP $3,000/100% are eligible for the HSA
• The maximum amount you may contribute in 2022 is $3,650 for single coverage and $7,300 for family coverage.
• If you are over the age of 55, you are allowed to make an additional $1,000 contribution to your HSA.
• The maximum per pay elections for the HSA are provided in the HSA section of the Benefits Guidebook.
DENTAL
There will be no changes to the Dental plan design this year. Dental benefits will continue to be through Delta Dental of PA. Contributions for dental coverage will see a slight change. Effective January 1, 2022, if you enroll with
single dental coverage your per pay cost will be $0. All other coverage tiers have been reduced. See your benefit guidebook for details.
STANDALONE VISION BENEFIT PLAN
There will be no changes to the vision plan through EyeMed. The EyeMed Vision network consists of private practice
doctors and retail chains such as LensCrafters, Pearle Vision, Sears, Target and JCPenney. These providers offer
both eye exams and eyewear, making for a convenient “onestop” means of obtaining eye care. The plan will include
coverage for:
• A comprehensive eye exam, once every 12 months, for a $10 copay.
• Lenses (for glasses) for a $25 copay OR up to $150 towards contacts every 12 months.
• Up to $150 towards frames every 12 months.
To locate a provider, go to www.eyemedvisioncare.com and select “Find a Provider.” Under the “Network” drop-down
box select “Insight” and enter your information. You can also call 1-866-939-3633
How To Enroll
You should carefully consider your Open Enrollment decision as this is the only time you are allowed to change your benefit elections without a qualifying life event. Your decisions will remain in effect for the entire plan year (January 1, 2022 to December 31, 2022) unless you experience a qualifying life event.
What happens if I do not log onto the ADP Employee Self Service Portal during open enrollment (1/1/2022 effective date)?
- Medical: your current election will rollover into the new plan year
- Dental: your current election will rollover into the new plan year
- Vision: your current election will rollover into the new plan year
You must go to the ADP Employee Self Service Portal to process Open Enrollment changes. All elections must be completed in ADP Self-Service Portal by Wednesday December 1, 2021 to ensure your enrollments are processed as soon as possible for the January 1, 2022 effective date.
Employee Resources
Contacts
Medical/Rx Benefits
Independence Blue Cross (IBC) | www.ibx.com
Member Services ............................................... 800-ASK-BLUE
Pharmacy Management/Mail Order................... 888-678-7012
Telemedicine
mdlive.com/ibx....................................................... 877-764-6605
Penn Medicine (5 county Philadelphia area & surrounding areas only) 215-615-2222
Health Coaching (24/7 Nurseline)...................... 800-275-2583
Health Savings Account (HSA)
HealthEquity | www.healthequity.com
Member Services .................................................. 866-346-5800
Dental Benefits
Delta Dental | www.deltadentalins.com
Customer Service................................................... 800-932-0783
Vision Benefits
EyeMed | www.eyemedvisioncare.com
Customer Service................................................... 866-939-3633
Employee Assistance Program (EAP)
HealthAdvocate | www.healthadvocate.com
Customer Service................................................... 877-240-6863
NFP Benefit support team
Do you have questions regarding your benefits through Sandmeyer Steel Company? NFP provides a dedicated Benefit Support Team who can answer your medical, dental, and vision questions and assist with escalated claims issues. This confidential service is available to you as well as your family members who are covered by Sandmeyer Steel Company’s benefits.
For direct assistance, please contact the NFP Benefits Support Team at:
- 855-287-2202 (toll free)
- BenefitsSupportTeamCSMidAtlatic@nfp.com
Hours of Operation:
Monday – Friday 8:00 am to 5:00pm, Eastern Time