The AT&T Annual Benefits Open Enrollment period began on October 1st at 7 a.m. and will continue through November 16th at 7 p.m.
Unlike previous years in which the company had “waves” of 2-week enrollment periods for different groups of employees and retirees; this year all employees will have 7 weeks to complete their enrollment, simultaneously.
The company has made changes to the Annual Enrollment online platform. One of these changes is the ability to make an appointment, at a specific date and time, for a benefits representative to call you and answer any questions or address any concerns you may have.
Your benefit options for 2019 will be much like 2018 with a few changes.
The Contribution Holiday for CarePlus will continue through 2019. The company will notify employees when it ends and employees will have the opportunity to continue with CarePlus coverage or opt out.
Medical plans available to you can change based on your zip code, so check and confirm that the plan you are currently enrolled in is still available for 2019.
Remember that the PPO (Preferred Provider Organization), ONA (Out-of-Network Area), and HCN (Health Care Network) bargained plans are available as either Option 1 or Option 2.
Option 1 and Option 2 are the same AT&T Midwest Medical Program with different cost sharing structures. That means that you will get the same services covered but your Monthly Contributions, Deductibles, Out-of-Pocket Maximums, and Coinsurance amounts will be different under each option.
Option 2 is a new high deductible health plan (HDHP) and those who enroll in Option 2 can contribute to a Health Savings Account (HSA). Keep in mind that if you contribute to an HSA and an FSA, your FSA will be limited to Dental and Vision expenses. For more details on HSAs and FSAs review the Annual Enrollment content online. The maximum annual contributions for HSAs and FSAs are increasing for the 2019 plan year.
Monthly contributions, Deductibles, and Annual Out-of-Pocket Maximums are also changing. Deductibles count toward your Out-of-Pocket Maximum. With Option 2 the Deductible and Annual Out-of-Pocket Maximums are integrated with the prescription drug plan.
You can review your available options and Health Plan Comparison Charts online at att.com/benefitscenter.
It is important that you review your current coverage and available options. Don’t assume that you will default to your current coverage if you make no changes. Your current plan may not be an available option!
Enrollment can be completed online (att.com/benefitscenter), by phone (1-877-722-0020) or from your mobile device. Keep a copy of your Enrollment Confirmation for your records.
Taking a moment to review your options and confirm your elections now can prevent unnecessary grief later.