2019 Open Enrollment Overview

November 5-16, 2018

Participation is Required

With the changes in the 2019 Plan Year, each employee's participation is required. There will not be an automatic enrollment from 2018 to 2019. An employee may not have coverage in 2019 if a benefit election is not made during Open Enrollment.
Big picture

Reviewing the Rates for 2019

Please use the links below to see a comparison of the two plans and the premium rates.


2019 Silver & Eagle Plan Comparison


2019 Silver Plan Premiums

2019 Eagle Plan Premiums

2019 Parapro & Long-Term Sub Premiums


The Summary of Benefits for both plans can be found on the Employee Portal.

Onsite Benefit Education Meeting Schedule

These non-mandatory meetings will be available to help educate the team about health plan options for 2019.


SGE-10/11 @ 2:40PM

PVE-10/22 @ 2:45PM

ZMS-10/23 @ 8:00AM

EE-10/23 @ 2:45PM

UE-10/24 @ 2:45PM

ZCHS-10/25 @ 7:45AM

ESC-10/25 @ 11:00AM

BME-10/25 @ 2:45PM

Transportation-10/26 @ 8:10AM & 9:00AM

ZWMS-10/30 @ 8:00AM

FSA vs. HSA

Are there tax savings?

FSA - The amount of your pay that goes into an FSA will not count as taxable income, so there will be immediate tax savings.

HSA - Contributions are tax free (pre-tax through payroll deductions or tax deductible). Earnings are tax free. Funds withdrawn for eligible medical expenses are tax free.


What are the maximum contribution amounts for 2019?

FSA - $2,650 per employee per year & maximum election for Dependent Care is $5,000 per household per year excluding the FSA.

HSA - Single: $3,500 per year & Family: $7,000 per year. An additional $1,000 per year may be contributed in all coverage levels starting the year a participant attains age 55.


Which plan?

FSA - not available with Eagle; optional for Silver, not required.

HSA - not available with Silver; required for Eagle.


When are funds available?

FSA - entire annual allotment is available in January. Your annual contribution is deducted from your paycheck in equal installments throughout the year. Employees cannot make any changes during the plan year.

HSA - employer contributions are issued in January & September. Employees can voluntarily make biweekly contributions and change those voluntary contributions at any time during the plan year.


When should funds be used?

FSA - If funds are not used by end of plan year, they will be forfeited.

HSA - Funds rollover year to year. Investment options are available.

Information for Retirees

Retirees participation in Open Enrollment is also required. Retirees will either enroll in the Silver Plan or Eagle Plan for 2019, the Green Plan is no longer an option. Retirees can still enroll in the Eagle Plan and will need to open an HSA account, just like employees who enroll in the Eagle Plan. However, retirees will not receive contributions from ZCS. The IRS has set limitations on how much an employee or retiree can contribute to the HSA. The maximum contribution for single coverage for 2019 is $3,500 and $7,000 for family coverage. In the year an employee or retiree attains age 55, an additional contribution of $1,000 will be allowed for any coverage level.