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Effective January 1, 2020, Enrollees who turn 65 are no longer automatically enrolled in the Post-65 dental and vision plans and therefore are not required to opt out of the dental and vision plans if they decide to no longer retain their dental and vision coverage. All NEW Post-65 Dental and Vision enrollees including enrollees who turn 65 in the next 60 days, must complete an updated DSRA Benefit Trust Benefit Enrollment and Change of Status form, found on the DSRA Benefit Trust website www.DSRABenefitTrust.net, to enroll in the dental and vision plans offered. DSRA Benefit Trust members turning 65 will receive an “Aging Up” packet 90-120 prior to turning 65. There is a reduction in premium at age 65 with proof of Medicare eligibility. The changes and steps are listed below.
The completed DSRA Benefit Trust Benefit Enrollment and Change of Status form and EFT Enrolment form should be mailed, faxed or scanned & emailed to Benistar. All Post-65 premium payments should be mailed to the Benistar Retiree Service Center:
10 Tower Lane, Suite 100
Avon, CT 06001
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**NEW DENTAL OPTION** Effective May 1, 2020 DSRA-BT and BCBS of Michigan will offer 2 Dental Plan Options to choose from for Pre-65 Stand-alone, Post-65 Stand-alone and Post-65 Hartford participants.
DSRA Benefit Trust members in the groups listed above with Dental +/- Vision insurance plans were set to receive a significant increase to the plans offered by Blue Cross Blue Shield for the 2020 plan year. In an effort to reduce the cost for our DSRA Benefit Trust members, the Board worked with the Cone Retiree Healthcare Group (CRHG) and was able to move these groups to a less expensive plan option for 2020. The current plan offers the same total maximum coverage of $3,000 per plan year utilizing the same BCBSM BlueDental network as in 2019. While the total coverage amounts and dentist network remained the same, there were four changes to the benefits offered in this plan from the previous plan year that we did not adequately share with you. The four changes are listed below:
DSRA Benefit Trust plan participants in the groups outlined above were transitioned to this plan effective January 1, 2020 creating a considerable monthly savings of 10-15%. This savings was primarily due to the efforts of the CRHG and is one of the many benefits we had anticipated were possible by working with the CRHG and Benistar. If the four changes in coverage described above are not coverages you require, the Board recommends that you remain in the current plan for all of 2020. If the four coverages would provide a monetary value to you, we are offering a solution, but you will have to act quickly. In order to provide the best insurance options available to our members, the DSRA-BT Board has elected to also offer the same exact coverage level as you had in 2019 beginning May 1, 2020. Therefore, we have secured what we label as a 2020 “High” Plan Dental option utilizing the same dentist network with BlueDental and the exact same coverage levels as members received in 2019. The new “High” Plan option will cost more than the current plan (see premium rate chart below) but will still be 6+% less for Pre-65 Stand-alone enrollees and Post-65 enrollees than the original BCBSM price for 2020. If you wish to make a change back to the High Plan option, BCBSM is offering a one-month window, mid-year change, for dental plan only, with an effective date of MAY 1, 2020. If you wish to remain in the current plan for 2020, which will now be referred to as the “Low” Plan option, you do not have to do anything. To elect changing your coverage level to the High Plan for the remainder of 2020, please complete the DSRA Benefit Trust Benefit Enrollment and Change of Status form found at www.DSRABenefitTrust.net and submit this form to Benistar by March 23, 2020. In addition, any dental benefits received through the BCBSM dental plan in 2020 will be paid according to the plan the member is enrolled in at the time service was provided. Any dental services received thus far in 2020 will continue to carry forward throughout the year if changing to the “High” Plan option.
This new plan option DOES NOT impact Bundled plan participants in Pre-65 HCTC or Pre-65 Non-HCTC or Pre-65 Medicare Disabled plans. These members remain in the High Plan option just as they were in 2019.
For those desiring to make a change in their dental plan effective May 1, 2020, please mail, fax or email your signed and completed form to:
10 Tower Lane, Suite 100
Avon, CT 06001
Just an FYI…for those enrolled in the Post-65 Hartford medical insurance plan, Benistar agreed to waive 2020 monthly administration fees associated with the dental plans for all of 2020. This is an additional cost savings that began January 1, 2020 for many of our DSRA Benefit Trust participants.
DSRA-Benefit Trust Board of Directors
HCTC AMP Payment Coupons
Benistar will be sending pre-filled HCTC AMP Payment Coupons, IRS form #13973, to each HCTC AMP participant. These payment coupons must be included with the monthly premium payment to the IRS for each participant. If you have not received the pre-filled payment coupons in time to make your March premium payment to the IRS, due by March 10th, you should have them in time to make your April premium payment. For HCTC AMP participants who have not received the pre-filled payment coupons and have not made your March premium payment, please print form #13973 from www.IRS.gov and complete the payment coupon to include with your HCTC AMP premium payment. HCTC AMP participants who have been re-enrolled and have received the HCTC Welcome letter must make their March premium payment by March 10th.
You may have received a second invoice from Benistar for the February premium payment. If you were re-enrolled in the HCTC AMP program, have received the Welcome letter from the IRS/HCTC and have made the 27.5% February premium payment to the IRS, please disregard the Benistar invoice. If you are not an HCTC AMP participant and received a second invoice from Benistar but have previously sent your 100% February premium payment to Benistar, please contact the Benistar Retiree Call Center 1-888-588-6682 to verify they have received your February premium payment.
Effective Monday, February 24, 2020 all EFT (Electronic Funds Transfer) forms received by February 14th have been processed by Benistar. DSRA Benefit Trust members who have chosen to use EFT for monthly premium payments should receive notification of their EFT enrollment and should expect to have those funds automatically drafted from their bank accounts between the 7th and 10th of each month apart from any Holiday delay. If you see any irregularities in the EFT from your bank account, please call Benistar Retiree Call Center 1-888-588-6682.
After you have been re-enrolled in the HCTC AMP and after you have made one month’s premium payment of 27.5%, you can use IRS form #14095 to request a timelier reimbursement of the 72.5% for the months you pay 100%. If you would prefer to wait and request the reimbursement when filing your 2020 Federal Tax Return, you will use IRS form #8885. Any participants who age up to Medicare before the ability to make a 27.5% premium payment in 2020, will have to wait to file form #8885 with their 2020 Federal Tax Return for the 72.5% reimbursement. Benistar can provide a detailed invoice to assist with your 72.5% reimbursement when submitting form #14095 or form #8885. Contact the Benistar Retiree Call Center 1-888-588-6682 to request the reimbursement invoice.
DSRA-Benefit Trust Board of Directors
It is once again time to hold elections for our DSRA Benefit Trust Board of Directors (BoD). We have one board member, Sharon Delezenne whose term will expire. Sharon has decided to seek reelection.
If you are interested in being a candidate in the upcoming election, we will issue more specific information in a few days. The following are a few “key dates” to be aware of:
Feb 20 to Mar 13, 2019 – Receive candidate nominations
Mar 14, 2019 – Official announcement of candidates
Mar 14 to Mar 28, 2019 – Polls open for eligible voters
Mar 30, 2019 – Announce election results
Thank you for your consideration,
DSRA BT Election Committee
Robert von Schwedler
The IRS/HCTC department is currently processing 13441-A forms submitted after the extension of the HCTC program this year. You may have recently received a letter from the IRS telling you to send your 13441-A form to them. Please ignore this request. All DSRA HCTC Advanced Monthly Payment (AMP) members should have submitted a 13441-A form to Benistar in order to re-enroll in the HCTC AMP program for 2020. Once your form has been reviewed by Benistar and processed by the HCTC department, you will receive the IRS/HCTC Welcome letter with payment instructions and your PIN. When you receive the IRS letter or if you know your PIN from 2019, contact Benistar and provide your PIN to them. Benistar will send prefilled IRS form #13973 Payment Coupons to each member once you have been re-enrolled in the AMP program.
If you have received the IRS/HCTC Welcome letter, you are re-enrolled and can now make your February 27.5% payment. Do not wait to receive the prefilled coupons from Benistar for the February payment. Print the IRS form #13973 HCTC Payment Coupon (available at www.IRS.gov) and complete for your February payment. The deadline for the February enrollment notification and for sending your February payment by regular mail is February 7th. Any participants who have not received the IRS/HCTC Welcome letter by this date should be prepared to make the 100% premium payment to Benistar for the month of February. After you have been re-enrolled in the HCTC AMP and after you have made one month’s payment of 27.5%, you can use IRS form #14095 to request a timelier reimbursement of the 72.5% for the months you pay 100%. If you would prefer to wait and request the reimbursement when filing your 2020 Federal Tax Return, you will use IRS form #8885.
If you are delayed in sending the February 27.5% payment to the IRS due to late notification, the HCTC department requests you overnight the payment, return receipt requested, no later than February 15th via the USPS to:
U.S. Treasury – HCTC
P.O. Box 970023
St. Louis, MO 63197-0023
FedEx and UPS are not accepted. Due to the February 17th President’s Day Holiday, if you are unable to overnight the 27.5% February payment by February 15th, you will need to make the 100% payment to Benistar for the month of February even if you receive your HCTC Welcome letter after that date. Do not make a payment to Benistar and a payment to the IRS/HCTC for February. If you have already sent your February payment to Benistar, your premium will be paid, and you will start making 27.5% payments to the IRS/HCTC in March.
The IRS/HCTC will accept the HCTC Reimbursement Form #14095 for any months in 2020 you pay 100% of the monthly premium. This form is in lieu of form #8885 filed with your 2020 Federal Tax Return. By using form #14095, you will receive the 72.5% reimbursement for the months you have paid 100%, faster than waiting to file form #8885 with your 2020 Federal Tax Return in 2021. To file form #14095: