All elections made during Open Enrollment will be effective July 1, 2020
If you wish to make changes in your coverages, please complete any applicable forms and applications and forward to the City Benefits Office via email to benefits@providenceri.gov, fax to (401) 680-5457 or Interoffice mail by Thursday, July 2, 2020.
You may contact the City Benefits Office via email to benefits@providenceri.gov with any questions you may have. We will do our best to answer your questions as soon as we are able to. If you would like a return phone call, please be sure to include your phone number.
What’s New for July 1, 2020
- Digital Forms – we have digitized our benefit enrollment form to make it easier to complete via a computer. No more printing and hand writing multiple applications. Also, sending the application/forms to us electronically allows you proof of submission and a copy to keep for your records.
- New Delta Dental Cards (Non-Union, Police and Fire only) – all members will receive new Delta Dental ID cards. The new cards will reflect a new network that allows all member the freedom to choose a dentist from either the PPO (current) or Premier (larger) network. Your Group and Member ID numbers will remain the same. Please see the Delta Dental Dual Network Flyer for more information!
- Wellness Incentive Program through Virgin Pulse (Non-Union and 1033 employees only) – we’ve simplified the design for year 2 of the program
- Requirements – your annual well visit, dental exam and earn points an additional 7,500 points within the portal.
- We will have many more virtual events where you will be able to participate and earn points from the comfort, safety and convenience of your own home.
- Visit our Wellness page for more information!
- Flexible Spending Account Provisions – the IRS has issued guidance in light of COVID-19 allowing our plan to be more flexible with deadlines and your ability to make changes.
- Extended Grace Period – unused HealthCare and Dependent Care monies from this past year (7/1/2019-6/30/2020) can be used through December 31, 2020. This gives you an additional 6 months to use the money you had set aside to use for the current year that would have otherwise expired on June 30, 2020.
- Changes to Elections – previously, your elections were set once you made them. We now have the ability to let you change your elections; however you must do so before December 31, 2020 and you may only make up to two changes/corrections – which may not exceed amounts you have already used. Changes should be made through a new election form and submitted by email or fax.
- Maximums –
- Please consider any amounts you may have remaining from the current year that you can use through December 31, 2020 – you may only want to budget for half of a year depending on how much you have left to use:
- Healthcare FSA – $2,750/year
- Dependent Care FSA – $5,000/year
- Parking/Transit FSA – $270/month – Parking/Transit FSAs have always been monthly enrollments, so you may make changes to these accounts as often as you like.
- Please consider any amounts you may have remaining from the current year that you can use through December 31, 2020 – you may only want to budget for half of a year depending on how much you have left to use:
If You Take NO Action During Open Enrollment
If you take no action during Open Enrollment, your benefits (medical, pharmacy, dental, vision, Optional Life) will remain exactly as they are, with the exception of Flexible Spending Accounts (FSA).
You must make an active election each year in order to have a FSA for July 1, 2020-June 30, 2021.
If you had an FSA this past year and do not reelect to have a FSA this upcoming year, you will still be able to use the monies through December 31, 2020.
Actions to Consider Each Year During Open Enrollment
- Opt Out of City Coverage – employees must complete an Opt Out Form each year AND provide a copy of your alternate insurance card for yourself and at least one other family member if opting out for Family coverage.
- Add/Remove Dependents from Coverage – review who you’re covering on benefits for the coming year
- Enroll in Flexible Spending Accounts – enrollment is required each year as elections do not carryover to the new year
- Healthcare – contribute up to $2,750 per year on a pre-tax basis
- Dependent Care – contribute up to $5,000 per year on a pre-tax basis
- Parking/Transit – contribute up to $270 per month on a pre-tax basis
- Review Optional Life Insurance Coverage (Non-Union, Police and Fire only) – each year you may increase one factor of salary (if you already have Optional Life coverage) without the need to answer any medical questions.
- If you are newly electing or increasing by more than one factor of your salary, you will need to complete an Evidence of Insurability form. We will email you the form with directions for submission.
- Beneficiary Review – it is always recommended that you review your beneficiaries and complete a new form if you wish to make changes
Learn More
Visit our Wellness page for an overview of the Wellness Program and helpful tips and information for completing the activities!
Voluntary Davis Vision Plan Summary
Prudential Optional Life Rates
Flexible Spending Account Resources
Applications and Forms
Benefits Open Enrollment Form (Medical, Dental, Vision)
Opt Out Form – Open Enrollment 2020 – Non Union
Opt Out Form – Open Enrollment 2020 – 1033
Prudential Life Insurance Enrollment Form
Prudential Beneficiary Designation Form
London Health BCBSRI – FSA Enrollment Form – 2020
London Health/BCBSRI FSA Claim Reimbursement Form
Please forward all completed forms and applications by Thursday, July 2, 2020 to the City Benefits Office:
Email to benefits@providenceri.gov; Fax to (401) 680-5457; Interoffice mail to City Benefits Office
