BATON ROUGE, LA (WAFB) - There will soon be changes to insurance and benefit plans offered to hundreds of thousands of Louisiana government employees and retirees in 2015.
The Office of Group Benefits (OGB), which administers plans, has launched an interactive website (annualenrollment.groupbenefits.org) to help navigate through the changes and to help employees and retirees select the right plans.
"You can go to the website, use the calculator, read the guide and understand what the changes are," Thomas Groves, assistant commissioner for statewide services, said. "You can read about the co-pays, look at the deductibles and use the calculator to enter your information on a yearly basis and what you expect to incur over time and it'll help you decide what plan is best for you."
The changes include adding plans, and in some cases, increased co-pays and deductibles. In 2015, OGB will offer a total of six plans, including three HMO plans, one PPO plan and two consumer driven plans. Officials said the changes employees and retirees will see will be minimal.
"We did not change the co-insurance on the PPO side, but we did raise the deductible, so that is a change. I think what's getting a lot of attention is this change in the out-of-pocket max and we did some claim calculations and only three percent of folks hit that out-of-pocket max," Groves added.
In addition to the online resources, OGB will be hosting meetings and seminars around the state to answer questions about the plan changes. For many, open enrollment begins October 1.