{"id":2372,"date":"2015-11-23T20:13:05","date_gmt":"2015-11-23T20:13:05","guid":{"rendered":"http:\/\/www.hr-softwareblog.com\/?p=2372"},"modified":"2015-11-23T20:13:05","modified_gmt":"2015-11-23T20:13:05","slug":"open-enrollment-keying-hris-terminal","status":"publish","type":"post","link":"https:\/\/www.comparehris.com\/blog\/open-enrollment-keying-hris-terminal\/","title":{"rendered":"Open Enrollment \u2013 it\u2019s more than just keying into an HRIS terminal"},"content":{"rendered":"<p><a href=\"\/blog\/wp-content\/uploads\/2015\/11\/employee-benefit-pkg.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-medium wp-image-2373\" src=\"\/blog\/wp-content\/uploads\/2015\/11\/employee-benefit-pkg-300x199.jpg\" alt=\"benefits sign up \" width=\"300\" height=\"199\" data-wp-pid=\"2373\" srcset=\"https:\/\/i0.wp.com\/www.comparehris.com\/blog\/wp-content\/uploads\/2015\/11\/employee-benefit-pkg.jpg?resize=300%2C199&amp;ssl=1 300w, https:\/\/i0.wp.com\/www.comparehris.com\/blog\/wp-content\/uploads\/2015\/11\/employee-benefit-pkg.jpg?w=450&amp;ssl=1 450w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/a>Clocks are ticking! It\u2019s that time of year, again. And, we\u2019re not talking about the holidays. Employees have to enroll for group medical benefits \u2013 now under the influence of the Affordable Care Act (ACA). If your workforce benefits from your HRIS program, how much of the open enrollment can you leave to the system? It\u2019s much harder than just keying into an HRIS terminal.<\/p>\n<p><strong>Tie up the loose ends<\/strong><\/p>\n<p>The best HRIS programs manage all the operational aspects of group medical benefits enrollment. In addition, HRIS pushes considerable responsibility to the employees who can manage their enrollment independently in the system.<\/p>\n<p>Still, you have to communicate a lot of detail to educate employees regarding their decision and then direct that decision behavior before and during the enrollment period.<\/p>\n<p><strong>Here are six bases you have to cover and monitor:<\/strong><\/p>\n<p><strong>1. Final deadline:<\/strong> Employees can sign up as late as January 16 to January 31, 2016. However, when they wait that long, their benefits coverage will not take effect until March 1, 2016.<\/p>\n<p>\u2022 November 1, 2015 to December 15, 2015 enrollments take effect January 1, 2016.<br \/>\n\u2022 December 16, 2015 to January 15, 2016 sign ups take effect February 1, 2016.<\/p>\n<p>You should begin now to communicate that open enrollment at the end of 2016 will occur between October 15 and December 7, 2015 without exception.<\/p>\n<p><strong>2. Mandatory enrollment:<\/strong> Employees must enroll in your offered medical insurance program when:<\/p>\n<p>\u2022 The employee does not have government provided insurance, like Medicare or Veterans\u2019 care.<br \/>\n\u2022 The employee is 26 and no longer enjoys protection under a parent\u2019s health plan.<br \/>\n\u2022 The employee is not enrolled in a spouse\u2019s medical benefit plan.<br \/>\n\u2022 The employee expects to secure tax credits to support payment of health insurance premium.<\/p>\n<p><strong>3. Change opportunity:<\/strong> Medical benefits renew automatically, but the specific benefits and the insurance carrier may change from year to year. For example, co-pays, provider networks, and prescription and hospitalization may change. Open enrollment presents the opportunity to:<\/p>\n<p>\u2022 Select an alternative plan offered through the company.<br \/>\n\u2022 Seek insurance though the open marketplace or state sponsored exchange.<br \/>\n\u2022 Renew the current health insurance plan.<br \/>\n\u2022 Add family members previously not covered and\/or drop members who are no longer eligible.<\/p>\n<p><strong>4. Missed opportunity:<\/strong> When employees fail to meet the enrollment deadlines, they cannot sign up for a year unless they qualify for special enrollment such as would follow a divorce, marriage, birth\/adoption of a child, or death of a spouse or partner who had the included employee in their plan.<\/p>\n<p><strong>5. Increased penalty:<\/strong> In 2016, the penalty for lack of health insurance will be 2.5 percent of your income. That\u2019s at least $695 plus $347.50 for each child. And, the plan must cover:<\/p>\n<p>\u2022 Preventive, wellness, and rehabilitation services<br \/>\n\u2022 Outpatient care and lab tests<br \/>\n\u2022 Emergency care and hospitalization<br \/>\n\u2022 Pregnancy, newborn care, and dental and vision coverage for children<br \/>\n\u2022 Mental health and substance abuse expenses<br \/>\n\u2022 Prescription medications<\/p>\n<p>You must provide Summary of Benefits and Coverage (SBC) for each plan option.<\/p>\n<p><strong>6. Tax credits:<\/strong> Tax credits are available to employees who find themselves between 100 and 400 percent of the Federal Poverty Level (FPL). So, an employee with a family of four will be eligible with an annual income as high as $97,000. That credit can be used to reduce the monthly insurance premium.<\/p>\n<p><strong>Much more than just a few keystrokes<\/strong><\/p>\n<p>Employees covered by Medicare and\/or who have suffered a significant hardship in the current year may fall under special exceptions. However, it should be obvious that a large number of workers will find the process harder than just keying into an HRIS-enabled terminal.<\/p>\n<p>Employees need advance communication, walk-throughs, and available advice. And, for those with an English language-limited workforce, your obligations multiply. You can negotiate with your HRIS provider to notch up their interface, but until ACA becomes an entitlement and while it goes through its start-up hiccups, you have to prepare to step up if only to hold hands.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Clocks are ticking! It\u2019s that time of year, again. And, we\u2019re not talking about the holidays. Employees have to enroll for group medical benefits \u2013 now under the influence of the Affordable Care Act (ACA). If your workforce benefits from your HRIS program, how much of the open enrollment can you leave to the system? &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/www.comparehris.com\/blog\/open-enrollment-keying-hris-terminal\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Open Enrollment \u2013 it\u2019s more than just keying into an HRIS terminal&#8221;<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"enabled":false},"version":2}},"categories":[1],"tags":[121],"class_list":["post-2372","post","type-post","status-publish","format-standard","hentry","category-uncategorized","tag-open-enrollment","entry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.3.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\r\n<title>Open Enrollment \u2013 it\u2019s more than just keying into an HRIS terminal - HRIS - Compare HR Software Blog<\/title>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/www.comparehris.com\/blog\/open-enrollment-keying-hris-terminal\/\" \/>\r\n<meta property=\"og:locale\" content=\"en_US\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"Open Enrollment \u2013 it\u2019s more than just keying into an HRIS terminal - HRIS - Compare HR Software Blog\" \/>\r\n<meta property=\"og:description\" content=\"Clocks are ticking! It\u2019s that time of year, again. And, we\u2019re not talking about the holidays. Employees have to enroll for group medical benefits \u2013 now under the influence of the Affordable Care Act (ACA). 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