2022-23 Membership Dues & Application

Hi All,

Welcome to new hires and welcome back to current AEA members! Please see attachments for the 2022-23 dues rates as well as the online fillable form for new members. If you have any questions please see your building rep or any of the officers.

New Members: Please download the membership application and fill in the form through Adobe Acrobat (please do not print). This form can be emailed to our Treasurer: Joanne Capone @ aeatreasurer02351@gmail.com

We hope you have a smooth transition back into the school year. We are here if you need anything.

FWD: Aflac Flyers and QR Code

From: DAVID FLAHERTY <david_flaherty@us.aflac.com>
Sent: Monday, April 18, 2022 6:06 PM
To: Lynette MacNeil <LynetteMacNeil@abingtonps.org>
Subject: Aflac flyers and QR code

Lynette,

I am attaching two things to this email:

  1. a flyer for all Aflac products available to all school department employees.  I’ve been told that we are the only provider of disability coverage for the town that doesn’t require the employee to use their paid time off first.   We will pay no matter what – regardless of sick or vacation days being used.   This is VERY important as most people don’t want to be forced to burn up all of their time off – especially if they’re planning a maternity leave or a planned surgery.
  2. a QR code that goes directly to the school department’s Landing Page.   This page has each policy brochure as well as videos about each policy type.  It also has a link directly to my calendar so that people can schedule me at their convenience.

As always, I appreciate your help in spreading the word and sharing this with all staff.

Best regards,

David

Do you or your employees need a personal meeting with me?  Use this link:

https://www.cogsworth.com/book/davidflaherty

David Flaherty

Benefits Consultant

President’s Club Member

Million Dollar Club Member

508.641.6856

Insurance Open Enrollment Notice

Forwarded from:

Sonia Hodge, CMMT
Finance Director & Treasurer-Collector
Town of Abington
500 Gliniewicz Way
Abington, MA 02351
(781) 982-2131
(781) 982-2121 fax
www.abingtonma.gov

Changes & New Enrollments may be made April 25- May 10

Insurance changes are effective July 1, 2022

Payroll deductions will begin on your first June paycheck

What’s New this Year?

We are joining a new group, Massachusetts Strategic Health Group (MSHG) effective 7/1/22. This decision was made after careful thought and numerous meetings with our Insurance Advisory Committee, which is made up of representatives from union groups across the town and school departments. Joining MSHG will minimize the town’s risk exposure but still allow for our control over plan designs and premiums. Members already enrolled in Town health insurance will be automatically enrolled in the new matching plan at MSHG—you will not need to fill out a form to stay on your current plan, and your plan will not change.

How much are the premiums changing?

None of our medical rates are changing this year! Health, dental, and vision are all remaining the same. See the attached rate sheet for more. Boston Mutual basic life insurance premiums are increasing due to higher-than-expected claims. The current basic rate is $4.35/month, and it is increasing to $6/month. Only the basic B.M. $10,000 benefit rate is increasing; voluntary B.M. rates are not changing.

Where do I find information on the plans?

Health: None of the plan designs are changing. Attached are the summaries of benefits for each plan.  A basic dental rider (summary included with health summaries), is automatically included in the $0 deductible EPO plan. MSHG Info Sessions will be May 5th at Town Hall—Public Safety @ 2pm; All Other Town @ 3pm; All School @ 4pm; all staff are welcome at any session, but each session will be geared toward the listed groups.

Dental and Vision: Attached are two documents outlining the benefits of the Delta Dental and Blue 20/20 plans we offer.

Life & Disability: To schedule a virtual appointment with David Flaherty at Aflac, please click here and see attached. For information about Boston Mutual, contact Doug Tracy at 800-445-4493 ext. 142. For information about UNUM, school employees can contact Lynette MacNeil at 781-982-2150.

Flex Spending: See below and attached for information and a new enrollment form.

What Do I Need to Do?

If you need to make any changes to your health, dental, vision, life, or disability plans, contact Debra Libby and submit your requests by May 10th. You can reach us all at 781-982-2131. Members already enrolled in Town health insurance will be automatically enrolled in the new matching plan at MSHG—you will not need to fill out a form to stay on your current plan, and your plan will not change.

If you’re not making any changes, you don’t need to do anything.

What network does MSHG use?

MSHG utilizes both the Harvard Pilgrim regional network and the United Healthcare national network. This means that our members will be able to access full medical care, including primary care, outside of New England WITHOUT the need for a high-cost PPO plan. Additionally, since our HMO plans will now be considered EPO plans (Exclusive Provider Organization), members will be able to see ANY in-network provider without a referral (however: some highly specialized providers may require a referral for their own purposes). High-cost PPO plans may no longer be necessary for many of the employees currently enrolled in them.

My provider doesn’t work with Harvard Pilgrim or United. What do I do?

Use the instructions in the “Find-A-Provider” attachment to search for your providers. If any of your providers are not in the new network, please complete the attached Transition of Care Form and fax it to HPI as soon as possible. The Town will be extending this option to ALL providers for 90 days beginning 7/1/22 (ignore the restrictions listed at the top of the form). This form will also allow our group administrator to reach out to the provider to get them enrolled in the network so that you will continue to have in-network coverage after those 90 days. The sooner we get this started, the better, because it is preferred to enroll providers BEFORE July 1st if at all possible.

My prescription is not covered by the new network. What do I do?

Attached is a list of prescriptions that require prior authorizations or are not covered. If you have a prescription on the list, please contact our representative Chris Myhre at MSHG at 774-321-3564 to find out what may be done to have your particular drug or an alternative covered. The earlier we get approvals in place the better since your prescription will only be covered under current rules for 90 days beginning 7/1.

What happens if my out-of-pocket costs increase as a result of moving to MSHG?

The Town has committed funds from the Self-Insured Insurance Trust Fund for two years to mitigate any unintended extra costs. Any employee who experiences an increase in out-of-pocket cost for services or prescriptions under the new health plan (including copays, coinsurance, or anything other than premiums) may submit a reimbursement request form to the Treasurer-Collector. Costs must be incurred between 7/1/22 and 6/30/24 to qualify. The reimbursement form and instructions will be posted to the Treasurer-Collector’s department webpage under “Employee Benefits” before 7/1.

You talked about the $300/$900 deductible plan last year. Is that still an option?

Yes! Attached is a Plan Comparison worksheet to compare the cost of the 3 health plans to see which might be the better deal for your specific situation. Ultimately, it will vary person to person, so we encourage you to use the worksheet to see what makes the most sense for your individual situation. The results may surprise you! Remember, paying less in premiums means you keep more of your paycheck. Part of the premium savings can be used to cover your deductible—often with money left over as savings to you! If you don’t meet your deductible that year, you just keep the money. Plus, the Flex Spending Account (FSA) can help you save even more money by making the amounts you pay out-of-pocket tax-free (see below). Disclaimer: The town does save a little when employees move to the deductible EPO plan, but the employee saves 5x more since the town pays roughly the same for both EPO plans. Bottom line, this will help employees more than it helps the town, by a lot. For many, the deductible is not met every year, but even when it is, the premium savings are likely higher than the out-of-pocket costs.

What about the Flexible Spending Accounts?

Open Enrollment for the flexible spending accounts (FSAs) for medical and dependent daycare costs is held annually in November. The medical FSA allows you to use pre-tax dollars to pay for costs like deductibles, copays, prescriptions, vision care, and dental care. The medical FSA is a great companion to the deductible health plans to save you even more money, and up to $500 can be rolled over to the next year if you don’t use it all. Keep in mind that you can pair the FSA with your health plan when making your open enrollment decisions this spring; then in November, be sure to fill out your enrollment form for the FSA for the calendar year 2023.

Other employee benefits:

-Benefits-eligible Town employees may take advantage of the 457b retirement investment accounts offered by Empower Smart Plan and Voya. Contact Lindsay Grasso for more information on these providers.

– Benefits-eligible School employees may take advantage of the 457b retirement investment accounts or 403b retirement investment accounts. Contact Lynette MacNeil at 781-982-2150 for eligible companies.

-ALL EMPLOYEES and their families (which includes anyone non-related that you consider family) can take advantage of the free and confidential Employee Assistance Program (EAP) at www.perspectivesltd.com 

Open Enrollment Notice changes effective 7/1/2021

OPEN ENROLLMENT NOTICE

Changes & New Enrollments may be made April 20-May 14

Insurance changes are effective July 1, 2021

Payroll deductions will begin on your first June paycheck

What’s New this Year?

The new Stimulus package allows some significant changes to the Medical and Daycare Flex Spending options—see below for more on this.

The BCBS Fitness Reimbursement will include virtual fitness subscriptions and classes effective 7/1/21.

How much are the premiums changing?

Health Insurance rates are going up 6% due to an increase in claims over the last year.  Delta Dental and Blue 20/20 vision rates are not changing again this year. See the attached rate sheet for more.

Who would benefit by moving to the Network Blue New England (aka Benchmark) HMO plan with a deductible?

Chances are YOU would. Attached is a Plan Comparison worksheet to compare the cost of the 3 health plans to see which might be the better deal for your specific situation. Ultimately, it will vary person to person, so we encourage you to use the worksheet to see what makes the most sense for your individual situation. The results may surprise you! Remember, paying less in premiums means you keep more of your paycheck. Part of the premium savings can be used to cover your deductible—often with money left over as savings to you! If you don’t meet your deductible that year, you just keep the money. Plus, the FSA can help you save even more money by making the amounts you pay out-of-pocket tax free (see below). Disclaimer: The town does save a little when employees move to the Benchmark plan, but the employee saves 5x more since the town pays roughly the same for both HMO plans. Bottom line, this will help employees more than it helps the town, by a lot. For many, the deductible is not met every year, but even when it is, the premium savings are typically higher than the out-of-pocket costs.

Join us here on 4/28 @ 11am (access code 885-078-853) to see the attached worksheet in action.

Where do I find information on the plans?

Health & Blue 20/20 Vision: Visit the link below for the summary of benefits for each plan.  Remember a small dental rider, outlined on the webpage, is automatically included in the Network Blue HMO plan.

https://planinfo.bluecrossma.com/customblue/2021/townofabington   (click on VIEW EKIT)

Dental: Attached is a document outlining the benefits of the two additional Delta Dental plans we offer.

Life & Disability: To schedule a virtual appointment with David Flaherty at Aflac, please click here. For information about Boston Mutual, contact Doug Tracy at 800-445-4493 ext. 142. For information about UNUM, school employees can contact Lynette MacNeil at 781-982-2150.

Flex Spending: See below and attached for information and a new enrollment form.

What about the Flexible Spending Accounts?

Open Enrollment for the flexible spending accounts (FSAs) for medical and dependent daycare costs is normally in November but is re-opened till May 14th for this year only. The medical FSA allows you to use pre-tax dollars to pay for costs like deductibles, copays, prescriptions, vision care, and dental care. The medical FSA is a great companion to the benchmark deductible health plans to save you even more money, and up to $550 (for 2021) can be rolled over to the next year if you don’t use it all.

IMPORTANT: The Dependent Daycare limits were increased to $10,500 for 2021, up from the normal $5,000. It will go back to $5,000 in 2022, so be sure to take advantage of the tax savings this year if it applies to you.

Additionally, the medical carryover from 2020 to 2021 was changed to unlimited for this year only (as opposed to the original 2020 carryover of $500), so if you had more than $500 left over at the end of 2020 you got to keep it all.

What Do I Need to Do?

If you need to make any changes to your health, dental, vision, life, or disability plans, contact Debra Libby and submit your requests by May 14th. The extra Open Enrollment for the FSA will also end on May 14th and forms must be returned to Lindsay Grasso or Sonia Hodge. You can reach us all at 781-982-2131.

If you’re not making any changes, you don’t need to do anything.

Other employee benefits:

-Benefits-eligible Town employees may take advantage of the 457b retirement investment accounts offered by Empower Smart Plan and Voya. Contact Lindsay Grasso for more information on these providers.

– Benefits-eligible School employees may take advantage of the 457b retirement investment accounts or 403b retirement investment accounts. Contact Lynette MacNeil at 781-982-2150 for eligible companies.

-ALL EMPLOYEES and their families (which includes anyone non-related that you consider family) can take advantage of the free and confidential Employee Assistance Program (EAP) at www.perspectivesltd.com (username: MEGA and password: Perspectives).

Sonia Hodge, CMMT

Treasurer-Collector

Health and Safety Reporting

If you are seeing or have any concerns about the safety and health in your building, please fill out the form in the link and contact your Health and Safety Committee Members.

Health and Safety Commission
AEEP
Nancy Clancy- Unit A
Sabrina Kane-Unit B
Beaver Brook
Gail Bergin-Unit B
Renee Brown-Unit A
Woodsdale
Janet Campbell-Unit B
Middle School
Jenn Caseley-Unit A
Leigh Ann Biggins-Unit A
High School
Sarah LaPointe-Unit A
Natalie Delmar-Unit B

Health and Safety Reporting Form

Welcome New 2020-2021 Members!

Every year we welcome new teachers, paras, tutors, and/or secretaries. We are happy you are here! The first few days are filled with new faces, new classrooms and so much information. We are here to help with any questions you may have-district related as well as union related.

MTA provides useful brochures that outline why you should join your local union, benefits from the MTA, Weingarten Rights, and other helpful resources.

Here are links to the 2020-2021 brochures.