The open enrollment process for the state of Idahos
new health insurance plan has reached the midpoint and appears
to relatively problem-free.
ITD employees and their colleagues from other state agencies
have two options from which to choose when enrolling in health
insurance coverage through the new provider Blue Cross of
Idaho. They can opt for a traditional plan that enables access
to a full range of health care providers or the Preferred
Provider Organization, a network of affiliated providers who
have developed a lower cost contract with the state.
Because the state is making a transition to a new insurance
provider, all employees must complete the enrollment process
even those who wish to decline coverage. That preference
can be made on the enrollment form.
Online enrollment should be made through the state of Idahos
Office of Group Insurance web site: Online
Enrollment. (Note: When using the online enrollment
form, you will need to provide the state of Idaho password.
Use "200Idaho.") After the online process is completed,
Blue Cross of Idaho will send a confirmation number. Make
sure to keep it for future reference.
Blue Cross and Group Insurance are working together in insure
the information on the online forms is correct. If there are
obvious errors that require a resubmitted application, Group
Insurance is notifying HR for the new application and the
reason for it.
The open enrollment period extends only through May 28. Although
employees can enroll in June for July coverage, procrastinating
carries some inherent risks: Insurance cards and benefits
could be delayed and employees may need to have make-up
payments deducted from their paychecks for the July premium.
Employees who participate in the states health insurance
program can take advantage of possible tax savings by enrolling
in the Flexible Spending Account (FSA) program .
Similar to a cafeteria plan, FSA enables employees
to set aside a portion of their paycheck before taxes are
applied (thus lowering their taxable income and tax obligation).
The FSA can be accessed as health charges are incurred. (Participating
in the FSA program might have long-term implications on Social
Security benefits, so consultation with a tax adviser would
Enrollment in the FSA program, re-enrollment or changing
an existing account must be done during the open enrollment
period. Forms are available in the Human Resource Office or
District Business Offices.
The open enrollment period also is the only time employees
can change their pre- or post-tax premium withholding election.
The Premium Only Plan Election Forms are available from Human
Resources or the District Business Offices.
The following enrollment checklist is provided by the Office
of Group Insurance, Department of Administration:
1) All employees must complete either a new enrollment form
or a declination of benefits form. Enrollment may be done
online through May 28.
2) Review the PPO participating provider list: http://bcidaho.com/pdirectory/index_new.asp?id=
(For a hard copy of the directory, contact the Human Resource
Office, District Business Office or the Office of Group Insurance.)
3) Choose a Health Plan Design: