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Frequently Asked Questions

When is open enrollment for my medical, dental and vision plans?

The 2019 open enrollment period is October 1, 2018 to October 31, 2018. Changes made during the open enrollment period will be effective January 1, 2019.

What plans does SBCFA offer its members?

Active Members:

  • UHC Medical HDHP (includes a Supplemental Hospital Indemnity Plan that gives you a $1,500.00 benefit to offset your deductible and out-of-pocket maximum)
  • UHC Medical HMO
  • MetLife Dental PPO
  • MetLife Vision (included with the medical plans)
  • OPTUM Health Savings Account (available with the HDHP Medical Plan only)
  • Preventive Body Scan (included with the medical plans)

Retiree Members:

  • UHC Medical HDHP (includes a Supplemental Hospital Indemnity Plan that gives you a $1,500.00 benefit to offset your deductible and out-of-pocket maximum. Applies only to qualified retirees under the age of 65)
  • UHC Medical HMO
  • UHC Medical PPO
  • MetLife Dental PPO
  • MetLife Vision (included with the medical plans)
  • Preventive Body Scan (included with the medical plans)

Retiree Members over 65 (paper enrollment only):

  • UHC Medical - Medicare Advantage Plan
  • MetLife Dental PPO
  • MetLife Vision (included with the medical plans)
  • Body Scan (included with the medical plans)
What are the differences between the medical plans?

Below is a summary. You may access complete details by visiting the SBCFA  Resources Page

UHC HDHP Medical Plan (Active & Retiree under 65)

  • Deductible: $2,700 single/$2,700 individual on a family plan to $5,400 for Family
  • Includes a Supplemental Hospital Indemnity Plan that pays you a $1,500 benefit if you are admitted to a hospital and pays additional daily benefits if confined to a hospital or ICU. This will help to offset your deductible and out-of-pocket maximum!
  • Can enroll in a tax-advantaged Health Savings Account (HSA)
  • 20% coinsurance for in-network services, after deductible is met
  • Rx copays:
    • $10 Generic Formulary
    • $30 Brand-Name Formulary
    • $50 Non-Formulary

UHC HMO Medical Plan (Active & Retiree under 65)

  • No deductible
  • $10 primary office visit copay
  • $0 x-ray and lab copay
  • $750 inpatient surgery copay
  • $200 outpatient surgery copay
  • Rx copays:
    • $15 Generic Formulary
    • $30 Brand-Name Formulary
    • $45 Non-Formulary

!NEW! UHC Medicare Advantage Medical Plan (Required for Retirees over 65 with Medicare)

  • No deductible
  • $0 primary office visit copay
  • $0 x-ray and lab copay
  • Nurseline – Speak to a registered nurse (RN) 24 hours a day, 7 days a week
  • Virtual Doctor Visits - See and speak to specific doctors using your computer or mobile device. Find participating doctors online at www.UHCRetiree.com.
  • For more information, please see resources page SBCFF 2019 UHC MA Plan Guide Summary.
Where can I go to get the open enrollment materials needed to make changes to my coverage or dependents?

Local 2046 provides you with an online open enrollment system for Active and Retired (under 65) employees. For Retirees over 65, you must enroll by filling out an enrollment form found on the resource page. SBCFF 2019 UHC MA Enrollment form.

Please note, for Retirees over 65 with Medicare, who want to add a dependent over 65 with Medicare, a separate UHC Medicare Advantage Enrollment Form is required for each individual enrolling.

If you have questions on how to use the online system, call us, the Benefit Service Center, at 800-842-6635.

What happens if I don't make changes?

If you do not make changes, and you are currently enrolled in a medical, dental or vision plan, your coverage(s) will rollover to 2019 UHC or MetLife plans. For HSA, you must re-enroll in and select a new 2019 HSA contribution amount. Additionally, if enrolling into HSA for the first time, you must create a new online account with OPTUM in order to access your contributions made via payroll deductions. Instructions will be emailed to you.

How do Active Members that enrolled in the High Deductible Health Plan with a Health Savings Account (HSA) access their contributions?

During the online enrolment, you will have the opportunity to set up your online account with OPTUM. If you do not set up the account, you will not be able to access the contributions you make via payroll deductions.

If you already completed your online enrollment and did not set up your account, simply log back in to the online open enrollment system and set up your OPTUM account or Click Here to Set Up Your OPTUM HSA Account.

Can a Retiree enroll in the HDHP during Open Enrollment?

Yes they can, only those without Medicare.

Can a Retiree, who enrolled in the HDHP, enroll in the SBCFF Health HSA during Open Enrollment?

No. SBCERS payroll system cannot process this type of deduction. The member will have to enroll with an HSA vendor on their own.

Can a retiree who is not currently enrolled in a SBCFF medical plan, enroll during Open Enrollment?

Yes. They have to have been continuously enrolled into SBCFF union for 10 years.

If a retiree is currently enrolled in an SBCFF medical plan, can he enroll in the SBCFF dental plan?

Yes.

Is there coverage available for my domestic partner and their children?

Yes, upon approval by Santa Barbara County.

How long can my dependent child stay on my medical, vision or dental plan?

Dependent children can be covered until age 26.

When can dependent changes be made?

During the annual open enrollment period or within 90 days of a life event; e.g., marriage, birth.

To whom do I send my Pending Documents and Change Forms to?

After completing your online enrollment elections, you will be required to submit your dependent pending documents that are listed on your Benefit Summary by the due date shown. The documents should be submitted to our office via upload, mail, fax, or email.

Failure to provide the pending documents will result in your dependents not being added to the plans you elected.

If you are required to complete a change form to enroll dependents due to a Qualifying Life Event, your change form, proof of qualifying event, and your dependent verification documents should be submitted to our office via upload, mail, fax, or email.

What is considered a life event?

Marriage, birth/adoption, divorce/legal separation, add/remove a domestic partner, death, a spouse gaining/losing eligibility, dependent losing eligibility, court order to cover a dependent child, Medicare entitlement or disability eligibility.

For more information call us at 800-842-6635.

Who are the eligible dependents that can be covered under the SBCFA plans?

Eligible dependents are:

  • Legally married spouse
    • Photocopy of your official marriage certificate containing your name, along with the complete name of your spouse and the date of marriage
  • Registered domestic partner
    • Your city, county or state domestic partner registration
  • Dependent child(ren) under age 26 that are:
    • Yours or your domestic partners natural child(ren):
      • Photocopy of the official birth certificate containing the parents' first and last names for each dependent child(ren)
    • Yours or your domestic partner's adopted or foster child(ren):
      • Photocopy of the official birth certificate containing the parents' first and last names for each dependent child(ren)
      • Photocopy of the adoption or foster documentation
    • Child(ren) you or your domestic partner are the legal guardian of:
      • Photocopy of the official birth certificate containing the parents' first and last names for each dependent child(ren)
      • Photocopy of legal guardianship
Where do I get the enrollment forms to make dependent changes due to a life event?

Click below to download the forms. After you complete the form, mail or fax it to the Benefit Service Center.

How can I get a physician directory or find a doctor?

Use the myuhc.com website to find a doctor and the metlife.com website to find a dentist.

You can call the Benefit Service Center at 800-842-6635 and we can provide you with a list of doctors in whatever zip code you choose.

If I need a new medical or dental ID card, who do I call?

You can call the Benefit Service Center (BSC) at 800-842-6635 to request a duplicate medical or dental ID card.

When will I get a vision ID card?

You do not need to have a vision ID card. Your eligibility can be verified at your vision care provider by providing them with your social security number;
Or,
If you want more information about your vision benefits, you can log on to the metlife.com website and print out your member reference card if you wish.

Who can answer my benefit questions for the medical, dental or vision plans?

Call us, the Benefit Service Center (BSC) at 800-842-6635.

What are the BSC's hours of operation?

Our business hours are 8:30 AM to 5:00 PM (Pacific Time), Monday through Friday. Voicemail is available to take a message during non-business hours and calls are returned by the next business day. We are closed from 12:00 PM to 12:45 PM for lunch.

If my medical, vision or dental claims are not getting paid or if I need help with a claim issue, who can help me?

We can. The Benefit Service Center has dedicated representatives that can help you with these types of issues, call us at 800-842-6635.

Who administers COBRA continuation coverage?

Our office does, the Benefit Service Center. Call us at 800-842-6635.

How can I obtain an Evidence of Coverage (EOC) booklet?

You can review it online, save a digital copy of it or print one from the mybenefitchoices.com/Local2046 website.

How do I register on the website?
  1. Click on the following link mybenefitchoices.com/Local2046
  2. Click on the grey Not registered? Click here to register as a new user button.
  3. You will need the following to register:
    • Union ID (7 characters required - if needed add leading '0')
      • Your 7 digit Union ID/Employee number is assigned to you by the Union.
    • Last 4 of your Social Security Number
    • Create a Username
    • Create Password
    • Email (you will need to have access to it in order to activate your account)
  4. Confirm your registration - You will receive a system generated account activation email (to the email that you registered with). Click on the link to confirm your registration. The link will take you to the log in screen.
  5. Log in to the secure benefits website using the user name and password that you just created.
How do I upload my documents through the website?
  1. When logged in, click on the 'My Documents' tab on the top of the screen.
  2. If you have any missing documents to submit, there will be a 'Missing Documents' section listing what you are missing.
  3. In the 'Upload Document' section, click the dropdown and select which document you wish to submit.
  4. If your document is not listed, select 'Other Document'.
  5. Select the file you are uploading from your computer.
    • Allowed files extensions: PDF, BMP, GIF, PNG, JPG.
    • File size limit: 10MB.
  6. Click 'Upload' to submit the file.
  7. If there are no problems, you will get a message saying the file was uploaded successfully and the document will be marked pending.
  8. It may take at least 2 business days for a Benefit Specialist to review your submitted documents and accept/deny them.
  9. If the document is denied, the pending status will go away and the file will remain in the 'Missing Documents' section. If the file is accepted, it will move to the 'Received Documents' section.


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Benefit Service Center
9500 Topanga Canyon Blvd
Chatsworth, CA 91311
Phone: (800) 842-6635
Fax: (818) 477-1329
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