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Employee Benefits -- Health Insurance

Email: benefits@dekalbcounty.org

Information for the 2019 Employee Health Insurance

Open Enrollment  October 15 - November 5, 2018


Health Insurance Letter to Employees
.pdf

Helpful Health Related Definitions:

  • HDHP or PPO
    • What is HDHP?

      High-Deductible Health Plan (HDHP) is a health insurance plan with lower premiums and higher deductibles than a traditional health plan. Employees pay in full for all medical services until reaching their deductible. Once the deductible is met, the insurance will begin to pay according to the coverages listed in the plan. Being covered by an HDHP is also a requirement for having a health savings account.

       

    • What is PPO?

      PPO plans, or "Preferred Provider Organization" plans allow you to visit whatever in-network physician or healthcare provider you wish without first requiring a referral from a primary care physician. PPO's are a more traditional plan that requires co-pay payments at the time of doctor's office visits, etc. Once an employee's deductible is met, the insurance will begin to pay according to the coverages listed in the plan.

       

    • What is FSA?

      Flexible Spending Account (FSA), also known as a flexible spending arrangement, is one of a number of tax-advantaged financial accounts that can be set up through a cafeteria plan of an employer in the United States. A FSA allows an employee to set aside a portion of earnings to pay for qualified expenses as established in the cafeteria plan, most commonly for qualified medical expenses but often for dependent care or other expenses. Money deducted from an employee's pay into an FSA is not subject to payroll taxes, resulting in payroll tax savings. Employees must use all funds in this account within the plan year (or specified grace period) to avoid forfeiture. Employees may enroll in an FSA account if they are enrolled in the County PPO health plan or if they are not enrolled in any County health plan. Subject to IRS maximum contribution guidelines.

       

    • What is HSA?

      A Health Savings Account (HSA) is a tax advantaged medical savings account available to taxpayers in the United States who are enrolled in a High Deductible Health Plan (HDHP). The funds contributed to an account are not subject to federal income tax at the time of deposit. Unlike a Flexible Savings Account (FSA), HSA funds roll over and accumulate year to year if they are not spent. HSAs are owned by the individual. HSA funds may currently be used to pay for qualified medical expenses at any time without federal tax liability or penalty. Subject to IRS maximum contribution guidelines.