November Issue - Special Open Enrollment Edition

The Torch
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Enroll online starting Oct. 28

This special edition is dedicated to 2021 Open Enrollment. Please review all the enclosed information concerning your health care coverage. During this period, you can choose to make additions or changes to your benefit selections.

All Open Enrollment communications, including carrier information, rates and plan summaries, are posted on the Open Enrollment 2021 website: www.in.gov/spd/openenrollment.

This information applies to state employees eligible for benefits and does not apply to conservation officers, excise officers, Indiana State Police plan participants, temporary employees or contractors.


Eligibility for the state’s benefit plans

There are no pre-existing condition limitations for any of the state’s plans. All active, full-time employees and elected or appointed officials are eligible to participate.

For the purpose of benefits eligibility, full-time employees are defined as active employees whose regular work schedule is at least 30 hours per week. Part-time, intermittent and hourly (temporary) employees who work an average of 30 or more hours per week over a 12-month review period are also eligible for benefits. Part-time, intermittent and hourly (temporary) employees working less than 30 or more hours per week over a 12-month review period are not eligible.


Opportunities are available to learn more about your 2021 benefit options

Informational Sessions via Microsoft Teams

Each one-hour informational session will be hosted by a representative of the Indiana State Personnel Department’s Benefits Division. The session will be an overview of your 2021 Open Enrollment options. Questions are welcomed.

Vendor Fairs via Microsoft Teams

The state is also offering virtual Vendor Fairs. Through the event, you have access to speak to a vendor representative directly.

Click here for more information about the Informational Sessions and Vendor Fairs.


When do my 2021 Open Enrollment changes take effect?

Medical, dental and vision changes/ enrollments:

  • Effective: January 1, 2021
  • First Deduction: December 23, 2020 (5 days of 2020 rates; 9 days of 2021 rates)

Flexible Spending Account (FSA), Commuter Benefit Reimbursement Account, and Health Savings Account (HSA) changes/enrollments:

  • Effective: January 1, 2021
  • First Deduction: January 6, 2021

Life insurance changes/enrollments:

  • Effective: January 10, 2021
  • First Deduction: January 6, 2021

For direct bill agency employees, your benefits will be effective January 1, 2021. For deduction information, please see your agency’s Payroll Department.


Medical Coverage – No Changes to Premiums or Plans

Did you hear the great news? The medical premiums and plans will remain the same for 2021! Like this year, the state will continue to offer three statewide medical plans for 2021: Consumer-Driven Health Plan 1 (CDHP1), Consumer- Driven Health Plan 2 (CDHP2) and Traditional Plan. All three available plans are in the National PPO (BlueCard PPO) network with Anthem and have a prescription drug plan through CVS Caremark.

Each plan has differences in premium costs, deductibles and out-of-pocket maximums.

Full details on page 3 >


Vision Plan–Focus on Saving You Money

Vision and health conditions, such as diabetes and high blood pressure, can be revealed and detected early through a comprehensive eye exam. An annual exam with dilation will only cost you $10 at an in-network provider. Take care of your vision and overall health by taking the initiative to have an exam completed this year.

In addition to the exam, the plan allows for frames every two calendar years and lenses, including contact lenses, every calendar year. For frames the plan has a $150 allowance with a $25 standard lenses co-payment when using an in-network provider.

Full details on page 10 >


Flexible Spending Accounts

Medical Care & Limited Purpose FSA Maximum Contribution Limit Increasing

A Flexible Spending Account (FSA) provides another opportunity for you to better control your health care dollars. By tucking away pre-tax dollars from your paycheck, you have an account that is dedicated to the reimbursement of qualified medical, vision and dental expenses. In addition, the bi-weekly employee administration fee is paid by the state during the 2021 plan year, providing you with even more opportunities to save.

Full details on page 15 >


Looking for plan rates?

View the 2021 plan rates >

Download the complete rate chart >

Download the latest issue of The Torch

You can download the state employee newsletter from the Indiana State Personnel Department (INSPD) website.

In this issue:

Miss an issue? Archived issues of The Torch are available at www.in.gov/spd/2540.htm.


CVS partners with the state to offer flu vaccine

The number one way to protect yourself and your family from the flu this year is to get a flu vaccination. According to a research study by the Centers for Disease Control and Prevention (CDC), the flu vaccine reduces the risk of getting the flu by 40% to 60%. While the vaccine does not guarantee you won’t catch the flu, it does reduce the chances and, if you do get sick, your illness typically is milder. Since influenza viruses change over time, it is important to get a shot every year. Each year the vaccine is remade to include the types of flu virus expected to cause illness during that flu season. The vaccine begins to protect you within a few days after vaccination, but the vaccine is not fully effective until about 14 days after vaccination.

Click here for more info >


Contact Us

Email the SPD Communications staff if you have any problems viewing the newsletter, subscription questions or if you would like to suggest an article.

The Torch is published monthly by the State Personnel Department