1. 2019 Option Period Changes

2. Affordable Care Act
Every employee MUST complete an Option Period Enrollment/Change form.
If you are not making changes to your current plan selections, check “No Change” for all benefits, sign and date the back and return to the Annex.

3. Please check “No Change” for every coverage type if you are not making any change to your current plan selections. There are five sections for review.

4. Remember, EGID does not allow us to accept Option Period forms unless it has your signature and date and your spouse’s signature and date (when applicable). Forms sent to our office without all applicable signatures will be returned to the employee and could result in your changes being null and void if the form is not received back before Option Period closes on October 24th.

5. Health Plans Blue Cross and Blue Shield of OK BlueLincs HMO
BlueLincs HMO is a new plan for Refer to the ZIP code service area for eligibility. Refer to the Comparison of Network Benefits for Health Plans.
CommunityCare HMO
Copays for some services have changed. Refer to the Comparison of Network Benefits for Health Plans.
Pharmacy Benefit Manager changing to CVS. The preferred/non-preferred pharmacy network arrangement will no longer be in place and the pharmacy benefits structure has been redesigned.

6. Health Plans GlobalHealth HMO
Calendar year out-of-pocket maximum has increased to $4,000 for an individual and $12,000 for a family.
Copays for some services have changed and some services now include an additional copay for physician charges. Refer to the Comparison of Network Benefits for Health Plans.

7. Health Plans HealthChoice High and High Alternative Plans
Copay for Urgent Care is $30
HealthChoice High Deductible Health Plan (HDHP)
The HSA maximum annual contribution for an individual is increasing from $3,450 to $3,500
The HSA maximum annual contribution for a family is increasing from $6,900 to $7,000
HealthChoice Plans
There will be some changes to the list of preferred medications. If you are a HealthChoice health plan member who is taking a medication that will no longer be covered in 2019, you will be notified by mail. For a complete list of medications that will no longer be covered, please visit

8. Dental Plans
If your plan is not an option in 2019, your personalized Option Period form indicates the coverage end date. You then need to choose a new plan. If you do not, your dental coverage will end December 31, 2018.
Dental Plans No Longer Offered:
Delta Dental PPO Plus Premier
MetLife Value PDP
Assurant Heritage Plus with SBA (Prepaid)
Assurant Heritage Secure
Sun Life Preferred Active PPO was formerly known as Assurant Freedom Preferred
MetLife High Classic MAC was formerly known as MetLife Classic
MetLife Low Classic MAC was formerly known as MetLife Value MAC

9. Vision Plans Vision Care Direct
No more Frame Kit or Unbundling Fees. Choose any frame up to $130 and simply pay the difference if you go over.
Exam, frames and lenses (upgraded to polycarbonate, premium anti-reflective coatings and UV coatings) for $30, even if you wear progressive no-line lenses.

10. Reminder
If you are enrolled in the HealthChoice High or Basic Plan and wish to stay enrolled in that plan, you must complete the online tobacco-free attestation for Plan Year 2019 available at by November 9th.
If you do not complete the tobacco-free attestation or complete one of the reasonable alternatives, you will automatically be enrolled in the HealthChoice High Alternative or Basic Alternative Plan effective January 1st, and your annual deductible will be $250 higher.

13. Health Plan Rates

14. Dental Plan Rates

15. Vision Plan Rates

16. Let’s Do the Math
If you elect NOT to take health insurance through the school, the State of OK has agreed to pay
Certified teachers $69.71 per month
Support personnel $ per month

17. Let’s Do the Math
The State of Oklahoma agrees to pay the amount of the HealthChoice High Plan premium for every employee taking health insurance through the school regardless which plan you pick.
HC High Premium = $594.90
HC Basic Premium = $ ($ in your pocket)
HC HDHP Premium = $ ($ in your pocket)
Global Health HMO Premium = $ (costs you $28.28)
CommunityCare HMO Premium = $ (costs you $303)

18. HealthChoice Plan Cost Comparison
Individuals
HealthChoice High
HealthChoice Basic
HealthChoice HDHP
State Paid Flex Benefit Allowance
$594.90
Monthly Premium
$466.42
$401.78
Employee Cost Difference $0
$ additional monies in paycheck
$ additional monies in paycheck
Annual Employee Savings
$1,541.76
$2,317.44

19. HealthChoice Plan Deductible Comparison
Individuals
HealthChoice High
HealthChoice Basic
HealthChoice HDHP
Deductible
$750
$1,000
$1,750
Pharmacy Deductible
$100
Applies to annual deductible
Calendar Year Out-Of-Pocket Maximum
$3,300
$4,000
$6,000
Yearly Total Maximum
$4,150
$5,100
$7,750

20. HealthChoice Plan Deductible Comparison
Families
HealthChoice High
HealthChoice Basic
HealthChoice HDHP
Deductible
$2,000
$1,500
$3,500
Pharmacy Deductible
$300 annual maximum
Applies to annual deductible
Calendar Year Out-Of-Pocket Maximum
$8,400
$9,000
$12,000
Yearly Total Maximum
$10,700
$10,800
$15,500

21. Tips & Other Notes Update your Beneficiary information often
EGID is currently holding over $2M in life insurance money that cannot be paid because no social security # was listed for the beneficiary and their contact information is outdated. If the beneficiary’s SSN is listed, they can find them!
Update your information
Important mail and/or communication can be delayed if your mailing address or address has changed

22. DEADLINE TO SUBMIT OPTION PERIOD FORMS IS WEDNESDAY OCTOBER 24TH.
ALL FORMS RECEIVED AFTER THIS DATE WILL NOT BE ACCEPTED.

23. Questions?