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What's New in 2014?
Most provisions of GE Health Choice will remain the same as last year. But there are some important new updates.
New for the 2014 Plan Year: You Can Now Carry Over FSA Funds
On Thursday, October 31, 2013, the U.S. Department of the Treasury announced a change to the “Use It or Lose It” rule applicable to health care and limited purpose Flexible Spending Accounts (“FSAs”).
GE currently offers a grace period under which participants have until March 15 to use health care and limited purpose FSA funds contributed in the prior plan year. Under the October 31, 2013 announcement, employers may eliminate the grace period and instead allow up to $500 of unused health care FSA funds to carry over into the next plan year for eligible expenses incurred during that next plan year.
In response to the U.S. Department of the Treasury’s announcement, GE will offer the carry over feature beginning with the 2014 plan year. The grace period will remain in effect for the current 2013 plan year. Employees have until March 15, 2014 to use any FSA funds remaining in their health care or limited purpose FSA on December 31, 2013.
The change begins with the 2014 plan year and allows you to:
- Carry over up to $500 from the 2014 plan year to the 2015 plan year and use those funds anytime during 2015
- Carry over up to $500 of funds you may have remaining in 2015 into 2016 and so on each year. At no time can you carry over more than $500 from one year to the next.
Your health care FSA funds could potentially remain with you as long as you stay with the Company if you annually elect to participate in a health care or limited purpose FSA, and as long as government regulations do not change.
There is no change to the current 2013 plan year. You will have until March 15, 2014 to use any remaining 2013 FSA funds.
There will be no change to the Dependent Day Care FSA (DCFSA).
The Exclusive Choice Retail Pharmacy Network
As of January 1, 2014, residents or travelers in certain states are part of the Exclusive Choice retail prescription drug network which will include CVS, Walmart, Sam’s Club and many select local independent pharmacies.
The Exclusive Choice retail network includes: Connecticut, Georgia, Illinois, Indiana, Kentucky, Massachusetts, Michigan, New York, North Carolina, Ohio, Pennsylvania, Rhode Island, South Carolina, Texas and Wisconsin.
If you live in or travel to any of these states, you must use an Exclusive Choice retail network pharmacy if you choose to purchase your prescriptions at a retail location for your prescriptions to be covered. There is no coverage for prescriptions filled at out-of-network pharmacies unless there is an emergency. You can continue to use the mail-order service as you do today.
You can find a list of network pharmacies by registering at Caremark.com, using the CVS Caremark mobile app, or calling 1-800-509-9891.
To learn more and to see how you should prepare for the change, visit the Exclusive Choice Network page.
New Preventive Screenings and Services for Women
There are new preventive screenings and services for women. These additional services will be covered at 100%, not subject to the deductible, when you use in-network providers.
- In addition to prescribed generic contraceptives and contraceptive counseling, over-the-counter non-oral brand contraceptives without a generic equivalent, and oral brand drugs only when deemed medically necessary by the prescription drug administrator; and
- Breast Cancer Susceptibility Gene (BRCA) genetic testing, when medically appropriate
As a reminder, the following services are also covered at 100%, not subject to the deductible, when you use in-network providers. These include:
- Routine gynecologic care
- Prenatal preventive visits
- Gestational diabetes screenings
- Sterilization for women
- FDA approved generic contraceptive drugs
- HPV testing
- Counseling for sexually transmitted infections
- Counseling and screening for human immune-deficiency virus
- Counseling and screening for interpersonal and domestic violence
- Breastfeeding support, supplies and counseling
For more information, see Preventive Screenings and Services
Preventive Drugs - Certain Over-the-Counter Drugs Prescribed by a Doctor
As of January 1, 2014, certain OTC drugs that are prescribed by a doctor will be covered at 100%, based on USPSTF recommendations. Age and gender restrictions apply.
- Aspirin to prevent cardiovascular disease (CVD) for men and women
- Iron Supplements in children
- Chemoprevention of dental caries (Cavities) – Fluoride Supplementation for men, women and children
- Supplementation with folic acid for women planning or capable of pregnancy
- Vitamin D supplementation to prevent falls in community-dwellings for adults age 65 years and older who are at increased risk for falls
- Certain tobacco use and smoking cessation products for adults
- Certain immunizations as recommended by the USPSTF
If you use tobacco and want to quit
Tobacco cessation drugs will no longer be on the Targeted Drug list as of January 1, 2014. Instead, counseling for tobacco use and prescribed OTC tobacco cessation products for adults will now be covered as preventive – 100% in network.
Health Savings Account (HSA) contribution limits for those enrolled in Option 3 have increased
In 2014, the IRS will allow you to contribute up to $3,300 for single coverage, and up to $6,550 for 2-or-more person coverage.
Flexible Spending Account (FSA) and Limited Purpose Flexible Spending Account (LPFSA) contribution limits are unchanged this year
The IRS has determined that the maximum annual FSA and LPFSA elections will remain at $2,500 per employee. Dependent Day Care FSAs can continue to be funded up to $5,000 per household.
Reminder: Generic cholesterol drugs are part of the Targeted Drug list for Option 1 and Option 2
If you are enrolled in either Option 1, 2, Option 2 Select Aurora or Option 2 Select UPMC, you will pay a flat co-pay for these drugs without having to meet your deductible.
Gender reassignment coverage will be available beginning January 1, 2014, subject to annual deductible and co-insurance. Coverage will include sexual reassignment surgery, mastectomy/chest reconstruction surgery, behavioral health therapy and hormone therapy as determined by World Professional Association for Transgender Health (WPATH) standards of care.
Definition of “Spouse”
Effective June 26, 2013, “spouse” is defined as a person who is (or was, in the case of an employee's or retiree's death) the legally married husband or wife of that employee or retiree regardless of the gender of either person.
New elements of Patient Protection and Affordable Care Act to take effect
Health Care Exchanges
The Patient Protection and Affordable Care Act now requires almost all Americans to have health care coverage or be subject to a tax penalty. In response, states have created a Health Insurance Marketplace. Also known as “Exchanges,” the Marketplace is a new way to buy health insurance. All U.S. citizens and legal residents will have access to individual health insurance policies through the Marketplace in their state starting January 1, 2014.
How this affects you as a GE employee
- Employees and their dependents enrolled in a GE health plan are not required to take action with respect to the Marketplace
- GE’s health plans meet the government’s standards for minimum value and affordability, so you will not qualify for a federal subsidy through the Marketplace
- If you are not enrolled in or eligible for GE’s health plans, you should consider other health plan coverage options available to you, including a Marketplace in your state
Summary of Benefits and Coverage Fact Sheet
GE provides a Summary of Benefits and Coverage (SBC) document to all individuals enrolling in medical coverage. You’ll find this document along with a glossary of terms here. SBC materials are also available in Spanish, Navajo, Tagalog, and Chinese.
Cost of your health care benefits to be shown on your W-2
The Patient Protection and Affordable Care Act requires employers to report the cost of health plan coverage. As a result, the cost of your health care benefits will be shown on your 2013 W-2 form. Remember that health care benefits are not taxable. The amount reported will include both the portion GE pays, and the portion employees pay.