2020 Open Enrollment:
October 21 ‒ November 8, 2019

Open Enrollment for your 2020 benefits begins October 21 and ends November 8. This is your annual opportunity to review your benefits and select ones that provide the best coverage and value for you and your family.

2020 changes

The Getty works to offer a benefits program that meets the needs of our employees. Every year, employees have the opportunity to make changes that might better support your total well-being. Open Enrollment is the time when you may make changes and when you make your annual flexible spending account or health savings account elections.

As part of our ongoing strategy to provide effective, competitive, and financially responsible benefits, we’ll be making the following changes for 2020.

Benefit What's changing
Cost sharing

Due to our negotiations with both Aetna and UnitedHealthcare, we are able to pass along a slight decrease in medical plan costs.

Dental costs have not changed this year.

Vision continues to be offered at no cost to employees enrolled in a medical plan.

Vision coverage is now available to employees and their eligible dependents, even if you waive medical coverage. Select the link below for the cost of vision-only coverage. Review the 2020 Contribution Rates

Medical

Aetna HDHP/PPO Plan – The In-Network deductible will be $1,400 for individuals and $2,800 for family. The Out-of-Network deductible will be $1,600 for individuals and $3,200 for family beginning in 2020. Both deductibles will need to be met whether you utilize an in-network or out-of-network provider. This means that if you meet the deductible with an in-network provider, and then decide to see someone outside the network, the deductible will start over for out-of-network services. Be sure to utilize in-network providers for the lowest cost to you.

See the Aetna HDHP 2020 Summary for details. 

UnitedHealthcare HMO Plans – there are no changes to either HMO plan regarding coverage, co-pays, etc. For all details regarding co-pays, etc., see Signature Value Advantage plan summary and Signature Value plan summary.

Prescription drugs No changes
Dental

Metlife dental benefits have not changed this year and the cost remains the same to employees.

Vision The VSP vision benefits have been significantly enhanced. For details, see the VSP Vision 2020 Summary.
Health Savings Account (HSA)

IRS Annual Limits have increased, please review the 2020 Contribution Limits below in "Tax-advantaged accounts".

The Getty will continue to contribute $750 for individuals and $1,500 for employee +1 or more.

Life insurance No changes
Long-Term Disability insurance No changes
EAP Provider

Health Advocate is our employee assistance program provider. At no cost to you, you may receive 3 face-to-face sessions per person, per issue per year in person or via video conference. Take advantage of their confidential support for personal problems such as personal relationships, stress, depression and substance abuse.

icon Take action by November 8!

If you don’t enroll, your current benefit elections will continue next year, with the exception of Flexible Spending Accounts (FSAs) and Health Savings Account (HSA) contributions. You must take action if you want to contribute to an FSA or HSA in 2020.

How to enroll

Benefit elections are made using the Getty’s Employee Self Service.

After Open Enrollment closes, you cannot change your benefit elections unless you experience a qualifying life event, such as a birth or a marriage.

iconWhat if I have a qualifying life event?

If you have a qualifying life event, visit the Life Events page to understand what you must do to keep your benefits current.

Decision support

Choosing the right plans is important for both your health and your financial well-being. Use these resources to explore the benefits available to you and select the best options for you and your family.

  • 2020 Open Enrollment Flyer – This highlights what’s changing for 2020 and outlines the steps and key dates for enrollment.
  • View Health Insurance 101 video
  • View and make your benefit changes in Employee Self Service.
  • 2020 Contribution Rates – Your cost for medical coverage will change in 2020.
  • Use the Pay Check Modeler in Employee Self Service to create a "sample check" for your 2020 benefit deduction changes.

2020 benefit options

During Open Enrollment, you have the opportunity to enroll in the benefits listed below.

Medical — New plan details for 2020

  UnitedHealthcare HMO Plans Aetna HDHP/PPO Plan
  Signature Value Advantage Signature Value In-Network Out-of-Network
HSA eligible No No Yes Yes
Getty contribution to HSA None None
$750 employee-only
$1,500 employee + 1 or employee + family
Your costs for Services
Preventive doctor’s visit No cost to you when you see in-network providers — covered at 100% in-network
Annual deductible (applicable to medical care and prescription drug benefits) None None $1,400 per Person
$2,800 per Family
$1,600 per Person
$3,200 per Family
Annual out-of-pocket maximum
$1,500 per Person
$4,500 per Family
$2,500 per Person
$5,000 per Family
N/A N/A
Your coinsurance        
Office visit $10 Copay per Visit $25 Copay per Visit Member Pays 10% Member Pays 30%
Emergency Room visit $100 Copay (waived if admitted) $150 Copay (waived if admitted) Member Pays 10% Member Pays 30%
Retail prescriptions (your cost for a 30-day supply)
Generic Preventive Medications $0 Copay $0 Copay $0 Copay
Generic $15 Copay $15 Copay $15 Copay
Brand-Name Formulary $35 Copay $35 Copay $35 Copay
Non-Formulary $50 Copay $50 Copay $50 Copay
Mail order prescriptions (your cost for a 90-day supply)
Generic $30 Copay $30 Copay $30 Copay
Brand-Name Formulary $70 Copay $70 Copay $70 Copay
Non-Formulary $100 Copay $100 Copay $100 Copay

 

 

iconWhat if I have a qualifying life event?

If you have a qualifying life event, visit the Life Events page to understand what you must do to keep your benefits current.

iconNo dental changes for 2020
iconVision benefits have been significantly enhanced. Please see the VSP Vision 2020 Summary (below) for details
iconTax-advantaged accounts
iconVoluntary Benefits

Consider whether voluntary benefits are right for you:

  • Auto/Home/Pet Insurance
  • Pre-Paid Legal Plan — Coverage for a wide array of legal services.

Your enrollment checklist

  • Learn about your benefit options, paying special attention to the changes coming next year.
  • Think about your coverage needs, including how much health care you anticipate needing and whether your current life and disability insurance provides enough protection.
  • Make sure your dependent information is correct and all your dependents are still eligible.
  • Update your FSA enrollment and HSA contribution amount — they don’t carry over to the next year.
  • Review your beneficiaries — it’s a good idea to review your beneficiary information (especially if your personal circumstances have changed) and take this opportunity to make updates as needed.
  • Complete your benefits enrollment by November 8.

Manage your costs

Today, it’s more important than ever to think like a consumer and make smart decisions about how you spend your health care dollars. Get five valuable tips for saving money in this video.