Health and Dental insurance open enrollment time is here!  This is the one time of year that you are eligible to join one of our insurance plans or to change your current plan.  The active employee premium rates for the 2017-2018 plan year are listed below. The deadline for enrollments and changes will be Friday, June 2, 2017 with an effective date of coverage of July 1, 2017.  If you are currently enrolled in one of the health insurance plans listed below, and do NOT wish to make any changes, your coverage will continue automatically. 

Because we have made plan design changes, all subscribers will receive new identification cards prior to July 1^st.  These changes include copay changes for various services and plan deductible amounts.  A list of changes is highlighted on page 2 in the section “Changes for July 1, 2017”.   In addition, the Health Reimbursement Arrangement (HRA) through UltraBenefits will continue and highlights of that plan are noted on page 2, as well.

Another change concerns the dental plan offered through the Town.  Currently, the Town offers Delta Dental.  However, beginning July 1, 2017, the Town will offer coverage through BCBS/Dental Blue.  The new plan will provide better coverage, with less overall out of pocket expenses for dental services.  As evidenced in the Dental Blue brochure, Preventive Services (i.e. cleanings, sealants, etc) are covered at 80% and Basic and Restorative Services (i.e., root canals, extractions, crowns) are covered at 50%.  If you wish to add dental coverage, please complete the BCBS enrollment form.

Please note that if you are currently enrolled in the Delta Dental plan, you will automatically be transferred to the Dental Blue plan.  IF YOU DO NOT WANT TO AUTOMATICALLY ENROLL IN DENTAL BLUE, YOU MUST CONTACT ME IN WRITING (email is acceptable), and we will terminate your dental coverage.

The Town will host several meetings to discuss the new health and dental insurance plan design.  These meetings will be held as follows:

Date	Location	Time
Tuesday, May 23rd	Selectmen’s Room, 3rd Floor Town Hall	9:00 AM to 11:00 AM
Tuesday, May 23rd	Water Treatment Plant	11:30 AM to 1:00 PM
Tuesday, May 23rd	Andover High School, Media Center	2:30 PM to 4:00 PM
Thursday, May 25th	School Committee Room, 2nd Floor School Administration	11:00 AM to 1:00 PM
Thursday, May 25th	Memorial Hall Library	1:30 PM to 2:45 PM
Thursday, May 25th	West Elementary School, Media Center	3:15 PM to 5:00 PM

Changes for July 1, 2017

What’s new or different for this year?

• The deductibles will increase from $300 individual/$900 family to $500 individual/$1000 family. (HMO and PPO)
• Primary Care Physician* visits will now be tiered.  Tier 1 (Enhance) PCP will have a $10 copay, Tier 2 (Standard) will have a $20 copay and Tier 3 (Basic) will have a $40 copay.  (HMO only)
• Primary Care Physician copayment will increase from $20 to $40.  (PPO only)
• Specialist office visits will increase from $60 to $90 with the exception of Chiropractic and Physical Therapy appointments, which remain at $20 per visit  (HMO and PPO)
• Mental Health and Substance Abuse treatment will decrease from $20 to $10 per visit.
• Prescription Drugs will now have a deductible associated with them.  The deductible is $100 individual and $200 family (HMO and PPO)
  

*Note:  To see w​hat tier your Primary Care Physician is, please visit: BCBS Find a Doctor Website.

Once you open your doctor’s page, the tier will be listed in a colored box on the right.  Tier 1 Enhanced will be a green box, Tier 2 Standard will be a blue box and Tier 3 Basic will be a purple box.

Plan Summary Information

Network Blue New England Plan Details

Blue Care Elect Preferred PPO Plan Details

FY 17 Health Insurance Rates

Blue Cross Blue Shield Member Enrollment Form

Network Blue Massachusetts Hospital Tiers

Network Blue New Hampshire Hospital Tiers

Network Blue Change Comparison

Blue Care Elect PPO Change Comparison

Health Insurance Opt-Out Plan (HIOP)

Health Insurance Opt-Out Summary and Election Form

Dental Insurance

BCBS Dental Blue Plan Summary

Blue Cross Blue Shield Member Enrollment Form