Office of Group Benefits

How do I know if I can participate in the special enrollment?

If you are enrolled in the Magnolia Local Plus or the Magnolia Open Access plan options, you are eligible to participate in this special enrollment period.

Am I limited to which plan I can move to?

If you are enrolled in the Magnolia Local Plus plan, your options are:

• Magnolia Local – Narrow In-Network Coverage Only (only available to members in specific geographical regions)
• Pelican HRA 1000
• Pelican HSA 775(only available to active employees)

If you are enrolled in the Magnolia Open Access plan, your options are:

• Magnolia Local Plus
• Magnolia Local – Narrow In-Network Coverage Only (only available to members in specific geographical regions)
• Pelican HRA 1000
• Pelican HSA 775(only available to active employees)

How do I make a plan change?

If you are eligible for the special enrollment, you can enroll in an available plan by filling out the form that was mailed to you and returning it to OGB. The form must be received or postmarked by April 30, 2015. A link to the form can be found in the "Other Resources" section of this website as well.

When will my change in plan go into effect?

Plans become effective July 1.

Do I have to make a change?

No. If you do not wish to change plans effective July 1, no action is required.

Will I have to start over with a new deductible and out-of-pocket maximum?

Any co-pays or coinsurance incurred through June 30 will be credited to your new out-of-pocket maximum. Amounts paid against the deductible through June 30 will be credited to your new deductible as well as the out-of-pocket maximum.

Will the employer contributions remain the same for the Pelican plans?

Yes. The employer contribution for the HRA 1000 is $1,000 for employee only and $2,000 for families. This contribution is available to offset medical claims costs only. The employer contribution for the Pelican HSA 775 is $200 plus up to $575 in matching funds. The Pelican HSA 775 plan is only available to active employees.

There are special IRS rules that apply when a person enrolls in an HSA mid-year. If you choose to enroll in the HSA effective July 1, 2015 through December 31, 2015, you MUST re-enroll in the HSA for the 2016 year in order to make contributions to the HSA for 2015. If you do not enroll in the HSA for 2016, then any amounts contributed to the HSA for you in 2015 will be taxable income to you and subject to a 10% penalty (except in the case of disability or death).

Why are only members in the Magnolia Local Plus and Magnolia Open Access plans allowed to make a change during this special enrollment?

OGB recognizes the increases in premiums to their plan members and has decided to allow members the opportunity to select a lower premium plan.

Can I enroll in a Flexible Spending Account (FSA) during this Special Enrollment period?

No, the election of a FSA is not included in the special enrollment offering.

If the employee is enrolled in a General Purpose FSA and elects the Pelican HSA 775 for July 1, 2015, what will happen with their unused FSA money?

Any unused FSA funds will be rolled to a Limited Purpose FSA effective July 1, 2015. Funds in a Limited Purpose FSA can be used only for vision and dental expenses for you, your spouse, and eligible tax dependent children while you maintain your eligibility to contribute to the HSA.

Can an employee choose to cease or reduce contributions to FSA?

Yes, only if they choose the Pelican HSA 775 plan effective for July 1, 2015. Any unused money remaining in their General Purpose FSA will be rolled to a Limited Purpose FSA effective July 1, 2015.