2024 Open Enrollment is here

Open enrollment for 2024 starts Friday, November 10, 2023, and ends on Wednesday, November 22, 2023. All changes and completed forms must be received in the Human Resources Department by 5:00 pm on Wednesday, November 22, 2023. 

Open enrollment is the ONLY time you can make changes to your health, dental and vision insurance benefit elections in the year unless you have a "qualifying event" such as a marriage, divorce, birth, etc.. in which Human Resources needed to be notified within 30 days of the qualifying event.

If you are interested in enrolling in the Flexible Spending Account for health and/or dependent care, you MUST re-enroll each year as you are not automatically re-enrolled.

Please note if you are NOT making any changes to your Health, Dental, Vision or Voluntary Life & AD&D or Short-Term Disability insurance coverage NO action is required.

2024 Health, Dental and Vision Insurance Premiums

Information regarding Ozaukee County's Health, Dental and Vision insurance plans and Flexible Spending Accounts is listed below:

Health Insurance (Must work a minimum of 30 hours per week to be eligible)

• We will be remaining with WCA Group Health Trust Insurance in 2024 for our Health Insurance Coverage
  There was a 5.0% increase in premiums as indicated in the 2024 insurance premiums listed below
• There are no plan design changes, additional information regarding our plan is found in the Benefits Booklet and Summary of Benefits of Coverage listed below.
• The pre-tax insurance deductions are taken a month BEFORE the premium is due.
• Employees and their dependents (ages 2 and up) enrolled in our health insurance plan can utilize the Aurora Group Health Trust Clinic at NO COST. 
• Basic eye exams are covered under our health insurance plan at NO COST to the employee.
• Only one preventative annual exam will be covered in a calendar year.
• Additional information can be found on the UMR website by clicking on the following link: UMR Website

Please contact UMR's customer service department at 1-800-826-9781 for assistance with specific insurance questions, locating a doctor in the network, online registration, or for general assistance with managing your healthcare.

2024 Benefit Summary

Ozaukee County Summary of Benefits - January 1, 2024 through December 31, 2024

UMR and CVS Benefit Contact Information

Ozaukee County Benefit Booklet

Ozaukee County Health Insurance Enrollment Form 

Dental Insurance (Must work a minimum of 18.75 hours per week to be eligible)

• We will be remaining with MetLife for our 2024 dental insurance coverage.
• There was a 10% increase in premiums as indicated in the 2024 Insurance Premiums listed Below
• There are no plan design changes, additional information regarding our plan is found in the Summary of Benefits Listed below.
• The pre-taxed dental deductions are taken a month BEFORE the premium is due.
• MetLife does not issue ID cards for dental coverage. You would need to use our group number or your Social Security number at your provider's office.

If you have any questions regarding our dental insurance coverage please feel free to reach out to MetLife directly by clicking on the following link MetLife Link or by contacting a customer service representative at 1-800-438-6388.

2024 Dental Insurance Benefit Summary

Dental App Employee Flyer

Find a Dental Provider

How to Use Your Dental Insurance Overview 

My Benefits Registration Flyer

2024 MetLife Dental and Vision Enrollment Form

Vision Insurance (Must work a minimum of 18.75 hours per week to be eligible)

• We will be remaining with MetLife for our 2024 vision insurance coverage
• There was NO increase in premiums as indicated in the 2024 insurance premiums listed below.
• There are no benefit design changes, additional information regarding our plan is found in the Summary of Benefits listed below.
• The pre-taxed vision deductions are taken a month BEFORE the premium is due.
• MetLife does not issue ID cards for vision insurance. You would need to use our group number or your Social Security number at your provider's office.

If you have any questions regarding our vision insurance coverage please feel free to reach out to MetLife directly by clicking on the following link MetLife Link or by contacting a customer service representative at 1-855-638-3931 

2024 Vision Insurance Benefit Summary

2024 MetLife Vision and Dental Insurance Enrollment Form

Flexible Spending (Must work a minimum of 30 hours per week to participate in both Health and Dependent Care FSA Accounts)

Flexible Spending Accounts (FSAs) are authorized under the IRS code and allow employees to pay for qualifying medical, dental, vision, and dependent care expenses on a tax-free basis. Eligible employees determine the amount they want to contribute to their Health Care FSA or Dependent Care FSA. The amount chosen by employees is automatically deducted pre-tax (meaning before FICA, federal and state taxes) from each paycheck during the plan year. There are 26 pay periods each year. 

We will remain with Diversified Benefits Services (DBS) as our Flexible Spending Account vendor in 2024. 

• Employees participating in the 2024 Flexible Spending Account will need to register through the following DBS registration link: Flex Plan Online Registration Link The open enrollment instructions are listed below.
• You will need to register for the Flexible Spending Accounts each year if you want to participate in the program, they do NOT automatically renew.
• The 2024 Maximum Health Care FSA election is $3,200 and the 2024 Maximum Dependent Care Election is $5,000.
• Employees that participate in FSA will have their deductions taken on a pre-tax basis and will have the opportunity to save approximately 30% in taxes. Please see the worksheet below to calculate your approximate savings.
• Employees enrolled in Health Care FSA in 2023 can roll over up to $610.00 into 2024. Claims from 2023 must be submitted by March 31, 2024, to be reimbursed. If the carryover funds are not used for prior plan year expenses, participants will not lose them. The carryover amount will remain and can be used for the next year's (2024) expenses.
• Once an employee enrolls in FSA they cannot cancel until the following year unless there is a qualifying event such as a marriage, birth of a child, or loss of health insurance coverage to name a few.  The change would need to be made to your account within 30 days of the event.
• Employees who enroll in Health Care FSA in 2024 can roll over up to $610.00 into 2025. 
• Eligible claims received Friday's by 9:00 am will be reimbursed the following Friday.
• You can be reimbursed either through direct deposit or by having a check mailed to you.
• Employees enrolling in the FSA account with DBS will receive a debit card which is good for 5 years. Employees currently enrolled in the FSA plan with DBS will NOT receive a new debit card

If you have any questions regarding a Flexible Spending Account please feel free to reach out to a Diversified Benefits Representative and they would be able to assist you. 

A representative can be reached at 1-800-234-1229.

Additional information regarding the 2024 Flexible Spending Account and online registration are listed below.

Ozaukee County FSA Important Plan Information

FSA Online Enrollment Instructions

Health Care Flexible Spending Account

Over the Counter Product Guide

Dependent Care Flexible Spending Account

Debit Card FAQs Carryover Provision

Prepaid Benefits Card Important Information

Claims Filing Options

Flexible Spending Account Fillable Worksheet

Supplemental Voluntary Life & AD&D Insurance (Must work a minimum of 37.5 hours to be eligible for this benefit)

Ozaukee County will remain with MetLife to be the administrator for the supplement Voluntary Life & AD&D Insurance.  

• Employees are eligible the first of the month following two months of employment.
• Payroll deductions are taken a month in advance before the payment is due. 
• Enrolling in the voluntary insurance plan with Ozaukee County give employees access to less expensive rates.
• Voluntary Life Insurance Premiums for dependents are the same regardless of how many dependent children you are covering.
• Spouses are eligible for up to 50% of the employees election.
• Voluntary Life Insurance elections can only be changed or waived during open enrollment or if there is a qualifying event during the year of which Human Resources would need to be notified within 30 days of the event
• Voluntary Insurances are portable.

2024 Voluntary Life Insurance Benefit Summary

2024 Voluntary Insurance Rate Sheet

Voluntary Life Insurance  Enrollment - Change Form

Voluntary Short-Term Disability (Must work a minimum of 37.5 hours to be eligible for this benefit) 

Ozaukee County will remain with MetLife to be the administrator for the Voluntary Short-Term Disability Insurance. 

• Employees are eligible the first of the month following two months of employment.
• Payroll deductions are taken a month in advance before the premium is due.  
• Any disability claim that is filed in the first 12 months of coverage will be subjected to a pre-ex.
  • This means that the claim can be denied if in the 3 months prior to enrolling you were receiving medical treatment, consultation, care or services for the condition.
  • Or had a medication prescribed or took medications for the conditions.
    
• Employees who elect over the guarantee issue amount OR decline coverage during their eligibility period and want to enroll at a later date will be required to complete a Statement of Health.
• Short-Term Disability ends once employment terminates.
• If an employee elects Voluntary Short-Term Disability NO changes can be made during the year unless there is a qualifying event of which Human Resources would need to be notified within 30 days of the event. 

Voluntary Short Term Disability Benefit Summary

2024 Voluntary Insurance Rate Sheet

Voluntary Short-Term Disability Enrollment Form

Voluntary Life Insurance and Voluntary Short-Term Disability Insurance Additional Information

MetLife Voluntary Life and Short Term Disability Recorded Presentation

MetLife New Benefits Frequently Asked Questions

MetLife New Benefits PowerPoint Presentation