2023 Open Enrollment

2023 Open Enrollment is September 19th, 2022 through October 14th, 2022.

• This is the time to make changes to Add, Drop or Change coverage for yourself or any qualified dependent.
• If you do nothing, your health insurance coverage and voluntary benefits will automatically renew.

Exception: Flexible Spending Accounts must be renewed annually (information is provided below).

1. The effective date of all Open Enrollment transactions is January 1, 2023

   • Note: Because we pay our health insurance a month ahead, premiums will change for everyone in December.

2. To schedule a health insurance open enrollment appointment, call 707-268-3669

   • We will make every effort to schedule your appointment when it is convenient for you, so please contact us at your earliest convenience. Please note that we will only schedule your appointment once you know the specific changes you intend to make.

Opt Out Annual Verification will occur on October 24, 2022 - November 18, 2022.

2023 Health Insurance General Information

• 2023 Rate Sheet for AFCSME, Management & Confidential, CAA, Department Heads and Elected Officials and Extra Help Eligible Employees
• 2023 Rate Sheet for HDSO and LEM
• Health Insurance Appointment Checklist
• 2023 Health Benefit Summary
• Medicare Enrollment Guide will be a new one.
• Log in to my|CalPERS and compare health plans online 
  • Instructions available here: How to Compare Health Plans Online. 
  • Use this tool to customize your search and review side-by-side benefit comparisons.

2023 Covered California Marketplace Notice

• 2023 Marketplace Cover Letter and Notice to Employees

2023 Health Insurance Plan Documents

**PLEASE NOTE - NOT ALL PUBLICATIONS ARE AVAILABLE AT THIS TIME.  BENEFIT INFORMATION AND GUIDES WILL BE ADDED TO THIS SITE AS OUR DEPARTMENT RECEIVES THEM.

• PERS Gold PPO (previously PERS Select) Summary of Benefits and Coverage
  • Evidence of Coverage
• PERS Platinum PPO (previously PERS Choice and PERS Care) Summary of Benefits and Coverage
  • Evidence of Coverage
• Western Health Advantage HMO Summary of Benefits and Coverage 
  • Evidence of Coverage
• Blue Shield Access+ (HMO) Summary of Benefits and Coverage
  • Evidence of Coverage
• Anthem Traditional HMO Summary of Benefits and Coverage
  • Evidence of Coverage
• PORAC PPO Summary of Benefits and Coverage
  • Evidence of Coverage

FSA (Flexible Spending Account)

• All FSA enrollees must renew their plan during open enrollment each year to keep their account current.
• Your Health FSA and Dependent Care FSA are provided by American Benefits.
• Read about the benefits available under this program please select the following link: https://www.mywealthcareonline.com/myflexresource/Resources/FlexibleSpendingAccounts.aspx 
• You can also get answers to your questions by contacting American Benefits at 800-499-3539.
• Online Enrollment Announcement

How to Enroll

• Enroll Online by 10/14/2022
  • You will be making your Flexible Spending Account (FSA) elections online using our WealthCare Portal.
  • To begin the Online Enrollment process, please navigate to: www.amben.com/enroll 

• What is my Employer ID that I need to begin Online Enrollment?
  • Your Employer ID is: ABGCOH
  • Your Employee ID is: your Social Security Number
• Online Enrollment Instructions
  • You must make your election online by Friday, 10/14/2022
  • Note that American Benefits Group operates on Eastern Standard Time (EST)
  • THERE IS NO PAGE TO PRINT, SIGN, AND RETURN TO RISK MANAGEMENT THIS YEAR!
• Questions? Need Help?
  • If you need assistance, please email support@amben.com or call 800-499-3539 to speak with ABG support staff (Monday – Friday, 5:30 a.m. – 2:00 p.m. PST).
  • Risk Management does not have access to your account – only ABG can assist you with questions or issues.

Voluntary Benefits

• Farmington supplies additional coverage for cancer, life, pet insurance and more. Enrollments can be completed by contacting a Farmington Representative at 800-621-0067.
  • 2023 Voluntary Benefits Flyer
• The county does not administer these plans. Please contact Farmington at the number above for questions and enrollment.
• Enrollments for the Voluntary Benefits must be completed by NOON on Friday, October 14th, 2022.

Opting Out Requires Annual Verification of Other Coverage

The Opt Out Annual Verification will occur after Open Enrollment.

• If you are currently opting out of health insurance through the County of Humboldt, annual verification of other health insurance coverage will be required in order to continue to receive the Opt Out differential payment for calendar year 2022. However, you will be notified via County email (or US Mail if you do not have County email) when that process begins and will be given ample time to submit your proof of other coverage.
• Please Note: If you enrolled in the Opt Out for the first time on or after June 1, 2022, verification of health insurance coverage will not be required until next calendar year.

Other Suggested Benefit Reviews

Although not required to be completed during Open Enrollment, now is a great time to review and make changes to the following benefits as well:

• Check your Beneficiary Designations!
  • Life Insurance:
    • Form: https://humboldtgov.org/DocumentCenter/View/710/Beneficiary-Designation-Change-Form-PDF
    • Send completed forms to: riskmgmt@co.humboldt.ca.us 
    • Also, if you enrolled in the supplemental life insurance program, you may also want to review coverage amounts/covered individuals. Inquiries should be directed to riskmgmt@co.humboldt.ca.us or 707-268-3669.
  • Last Paycheck Designee:
    • Form: https://humboldtgov.org/DocumentCenter/View/84124/Last-Check-Designation
    • Send completed forms to: ctypayroll@co.humboldt.ca.gov 
  • CalPERS retirement account:
    • This can be done online at: https://my.calpers.ca.gov/web/ept/public/systemaccess/eptLogin.html 
• Check your Delta Dental enrollments!
  • Have you gotten married, had or adopted children, or gotten divorced since you were hired? If you didn’t update your enrollment, your dependents may not yet be covered.
  • You can add a spouse/registered domestic partner/children to your coverage starting the first of the month following our receipt of a completed, revised enrollment form!
    • Form: https://humboldtgov.org/DocumentCenter/View/704/Delta-Dental-Enrollment-Form-PDF 
    • Send completed forms to: riskmgmt@co.humboldt.ca.us 
• Enroll, Review, or Change your Empower withholdings!
  • Employees are eligible to enroll in a Deferred Compensation Plan (457b) through Empower. Empower can assist employees with discussion of investment choices, retirement goals and schedule individual appointments with employees.
  • To enroll, contact Empower at 1-855-756-4738
  • To change your withholding:
    • Complete an Empower Change Form
    • Send completed forms to: ctypayroll@co.humboldt.ca.gov