Appendix 3 AFSCME Contract 2023-2027 App A and B.pdf
PDF 244 KB Posted
- Contract number
- 24-416CMS-BENF4-P-77070
- Issued by
- Illinois
About this file
This document is an Appendix A and B to a collective bargaining agreement between the State of Illinois and AFSCME (American Federation of State, County and Municipal Employees), detailing health, dental, vision, and life insurance benefits for state employees and annuitants. The agreement covers employees of various state agencies, including the Department of Children and Family Services (DCFS), and involves the State Employees Retirement System (SERS) and Teachers' Retirement System (TRS).
The agreement outlines comprehensive health plan options including the Quality Care Health Plan (QCHP), Consumer Driven Health Plan (CDHP), Managed Care Health Plans (MCHP), and Open Access Plans (OAP). Employee contributions are tiered based on salary levels, ranging from $95 to $296 per month depending on income. The plans include medical, prescription, and behavioral health coverage, with specific deductibles, co-payments, and out-of-pocket maximums. Additional benefits include dental coverage with annual maximums, vision services, wellness programs, and provisions for retirees. The document also includes detailed cost-sharing mechanisms, with the state contributing up to 100% of health coverage costs for annuitants with 20 or more years of creditable service, and provisions for non-Medicare retirees to opt-out with a financial incentive.
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Appendix A.
Effective July 1, 2023 through June 30, 2027
All benefits in this Appendix are effective July 1, 2023, unless otherwise noted. Prior Appendix A benefit levels apply to all services received through June 30, 2023.
Section 1. SUMMARY OF BENEFITS The State shall maintain a program of benefits that shall include health, dental, vision, and life coverage. The health plan shall include medical, prescription and behavioral health coverage. Any and all services covered by the Plan must be medically necessary as determined by the Plan.
Eligible dependents of members shall have available benefits. All dependents enrolled in the Plan must be enrolled in the same health and dental plan as the member.
Section 2. CONTRIBUTION AMOUNTS
| 1) | The salary thresholds will be adjusted annually prior to the benefit |
| choice period to reflect the lower of the increase in the Consumer Price | |
| Index from the most recent monthly wage report available or the cost of | |
| living adjustments effective on July 1 to wages included in this | |
| Agreement. The employee’s salary on March 1 shall govern for the next | |
| fiscal year. | |
| 2) | The member shall pay the appropriate dependent premium for the plan |
| that is selected. |
Employee Contributions for the Quality Care Health Plan (QCHP)
| 1) | Employees enrolled in the QCHP with salaries of $30,200 or less | |
| per year shall pay $134.00 per month for health plan coverage. | ||
| Employees with salaries of $30,201 but not more than $45,600 per | ||
| year shall pay $153.00 per month for coverage. Employees with | ||
| salaries of $45,601 but not more than $60,700 shall pay $171.00 per | ||
| month for coverage. Employees with salaries of $60,701 but not | ||
| more than $75,900 shall pay $190.00 per month for coverage. | ||
| Employees with salaries of $75,901 but not more than $100,000 shall | ||
| pay $209.00 per month for coverage. Employees with salaries | ||
| of $100,001 but not more than $125,000 shall pay $263.00 per month | ||
| for coverage. Employees with salaries of $125,001 or more shall pay | ||
| $296.00 per month for coverage. | ||
| The amount of the contribution shall be adjusted to reflect any | ||
| changes to the midpoint salary in each of the established. | ||
| 2) | Member contributions for dependent coverage shall be $291.00 per | |
| month for one non-Medicare dependent, $329.00 per month for | ||
| two or more non-Medicare dependents, $184.00 per month for one | ||
| Medicare primary dependent and $245.00 per month for two or | ||
| more Medicare primary dependents. | ||
| 3) | Employees on leave of absence may be responsible for additional | |
| costs as enumerated in the State of Illinois Employee Benefits Handbook. |
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Employee Contributions for the Consumer Driven Health Plan (CDHP)
| 1) | Employees enrolled in the CDHP with salaries of $30,200 or less per |
| year shall pay $95.00 per month for health plan coverage. Employees | |
| with salaries of $30,201 but not more than $45,600 per year shall pay | |
| $114.00 per month for coverage. Employees with salaries of $45,601 | |
| but not more than $60,700 shall pay $133.00 per month for coverage. | |
| Employees with salaries of $60,701 but not more than $75,900 shall | |
| pay $151.00 per month for coverage. Employees with salaries of | |
| $75,901 but not more than $100,000 shall pay $170.00 per month for | |
| coverage. Employees with salaries of $100,001 but not more than | |
| $125,000 shall pay $224.00 per month for coverage. Employees with | |
| salaries of $125,001 or more shall pay $257.00 per month for coverage. | |
| 2) | Member contributions for dependent coverage shall be $169.00 |
| per month for one non-Medicare dependent, $213.00 per month for | |
| two or more non-Medicare dependents, $146.00 per month for one | |
| Medicare primary dependent and $187.00 per month for two or more | |
| Medicare primary dependents. | |
| 3) | Employees on leave of absence may be responsible for additional costs |
| as enumerated in the State of Illinois Employee Benefits Handbook. |
Employee Contributions for the Managed Care Health Plans (MCHP)
| 1) | Employees enrolled in the MCHP with salaries of $30,200 or less per | |
| year shall pay $116.00 per month for health plan coverage. Employees | ||
| with salaries of $30,201 but not more than $45,600 per year shall pay | ||
| $134.00 per month for coverage. Employees with salaries of $45,601 | ||
| but not more than $60,700 shall pay $153.00 per month for coverage. | ||
| Employees with salaries of $60,701 but not more than $75,900 shall | ||
| pay $172.00 per month for coverage. Employees with salaries of | ||
| $75,901 but not more than $100,000 shall pay $190.00 per month for | ||
| coverage. Employees with salaries of $100,001 but not more than | ||
| $125,000 shall pay $244.00 per month for coverage. Employees with | ||
| salaries of $125,001 or more shall pay $277.00 per month for coverage. | ||
| The above figures represent the weighted average amount across all | ||
| MCHP plans. | ||
| 2) | Member contributions for dependent coverage shall be the weighted | |
| average of $188.51 per month for one non-Medicare dependent, | ||
| $234.49 per month for two or more non-Medicare dependents, the | ||
| weighted average of $166.34 per month for one Medicare primary | ||
| dependent and $209.09 per month for two or more Medicare primary | ||
| dependents. | ||
| 3) | Employees on leave of absence may be responsible for additional | |
| costs as enumerated in the State of Illinois Employee Benefits | ||
| Handbook. |
Employee Contribution Increases for QCHP, CDHP, and MCHP
| 1) | Effective July 1, 2024 employee contributions shall increase by $10.00 |
| per month as a composite. | |
| 2) | Effective July 1, 2025 employee contributions shall increase by $8.00 |
| per month as a composite. |
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| 3) | Effective July 1, 2026 employee contributions shall increase by $8.00 |
| per month as a composite. | |
| 4) | The distribution of the composite amounts for each increase will be |
| mutually developed by the parties across salary bands based on | |
| progressivity and across all health plans based on relative cost. |
Member Contribution Increases for Dependent Coverage for QCHP, CDHP, and MCHP
| 1) | Effective July 1, 2024 member contributions for dependent coverage |
| shall increase by $6.00 per month as a composite. | |
| 2) | Effective July 1, 2025 member contributions for dependent coverage |
| shall increase by $4.00 per month as a composite. | |
| 3) | Effective July 1, 2026 member contributions for dependent coverage |
| shall increase by 4.00 per month as a composite. | |
| 4) | The distribution of the composite amounts for each increase will be |
| mutually developed by the parties across all health plans based on | |
| relative cost. |
Dental Contributions for the Quality Care Dental Plan (QCDP)
| 1) | Employees who elect to participate in the QCDP shall be required to |
| pay $14.00 per month for such coverage. | |
| 2) | Employees who have one dependent enrolled in a health plan offered |
| pursuant to the State Employees Group Insurance Act of 1971 may | |
| cover that dependent in the QCDP, for a contribution of $9.00 per | |
| month. This amount shall be in addition to the amount required for the | |
| employee. | |
| 3) | Employees who have two or more dependents enrolled in a health |
| plan offered pursuant to the State Employees Group Insurance Act | |
| of 1971 may cover those dependents under the QCDP for a contribution | |
| of $11.50 per month. This amount shall be in addition to the amount | |
| required for the employee. | |
| 4) | Effective July 1, 2024, the amount for each of the above categories |
| shall increase by $1.00. | |
| 5) | Effective July 1, 2025, the amount for each of the above categories |
| shall increase by an additional $1.00. | |
| 6) | Effective July 1, 2026, the amount for each of the above categories |
| shall increase by an additional $1.00. | |
| 7) | Employees on leave of absence may be responsible for additional |
| costs as enumerated in the State of Illinois Employee Benefits | |
| Handbook. |
Section 3. HEALTH PLAN COVERAGE
THE QUALITY CARE HEALTH PLAN (QCHP)
| 1) | The State shall continue to offer enrollment in the QCHP for members |
| who wish to choose any physician or hospital for services. | |
| 2) | With the exception of certain preventive benefits outlined in this |
| appendix or exempted from copayments pursuant to state or federal | |
| law, all eligible services shall be subject to deductibles, co-payments, | |
| coinsurance amounts, out-of-pocket maximums, and plan provisions. |
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| 3) | Members who choose to receive services from a provider within the | |||
| QCHP Provider Network shall receive an enhanced benefit. | ||||
| 4) | Eligible services not received from a provider within the QCHP | |||
| Network shall be subject to Maximum Reimbursable Charge (MRC) | ||||
| review and adjustment in addition to deductibles, co-payments, | ||||
| coinsurance amounts and out-of-pocket maximums. | ||||
| A. | Plan Year Deductibles | |||
| 1) | Member Plan Year Deductible | |||
| a. | The deductible shall be $425.00 per fiscal year for employees with | |||
| annual salaries of $60,700 or less; $525.00 per fiscal year for | ||||
| employees with salaries from $60,701 to $75,900; and $575.00 per | ||||
| fiscal year for employees with salaries of $75,901 or more. | ||||
| b. | The employee’s salary on March 1 shall govern for the next fiscal | |||
| year. | ||||
| c. | Effective July 1, 2025, these amounts shall increase by $25.00, for | |||
| total plan year deductibles of $450.00, $550.00 and $600.00, | ||||
| respectively. | ||||
| 2) | Dependent Plan Year Deductible | |||
| a. | The deductible for dependents shall be $425.00. | |||
| b. | Effective July 1, 2025, this amount shall increase by $25.00 for a | |||
| total plan year deductible of $450.00. | ||||
| 3) | Family Plan Year Deductible | |||
| a. | The deductible for a family unit shall be limited to two and one-half | |||
| times the deductible for the member. | ||||
| 4) | Additional Deductibles | |||
| a. | Emergency Room Deductible | |||
| i. | The deductible shall be $450.00 for each hospital emergency | |||
| room visit. | ||||
| b. | QCHP Network Inpatient Hospital Admission Deductible | |||
| i. | The deductible shall be $200.00 for each admission to a hospital | |||
| within the QCHP Network. | ||||
| ii. | Effective July 1, 2025, this amount shall increase by $50.00 for a | |||
| total deductible of $250.00. | ||||
| iii. | Effective July 1, 2026, this amount shall increase by $50.00 for | |||
| a total deductible of $300.00. | ||||
| c. | Non-QCHP Provider Inpatient Hospital Admission Deductible | |||
| i. | The deductible shall be $800.00 per admission to a non-QCHP | |||
| hospital. | ||||
| ii. | Effective July 1, 2025, this amount shall increase by $50.00 for a | |||
| total deductible of $850.00. | ||||
| iii. | Effective July 1, 2026, this amount shall increase by $50.00 for | |||
| a total deductible of $900.00. | ||||
| d. | Transplant Deductible | |||
| i. | The deductible shall be $200.00 for a transplant. | |||
| ii. | Effective July 1, 2025, this amount shall increase by $50.00 for a | |||
| transplant total deductible of $250.00. | ||||
| iii. | Effective July 1, 2026, this amount shall increase by $50.00 for | |||
| a total transplant deductible of $300.00. |
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| B. | Plan Coinsurance | ||
| 1) | QCHP Network Services | ||
| a. | The Plan shall pay eligible charges, including but not limited | ||
| to, physician visits, inpatient hospital services, emergency room | |||
| services, outpatient surgery or procedures, intensive outpatient and | |||
| partial hospitalization for behavioral health services and laboratory/ | |||
| imaging services provided by a QCHP Network provider at 85% of | |||
| the negotiated rate. | |||
| b. | The benefit shall be subject to the applicable deductibles; | ||
| c. | The applicable deductibles and coinsurance amounts shall be | ||
| applied, dollar-for-dollar, toward the annual QCHP Network out- | |||
| of-pocket maximum. | |||
| 2) | Non-QCHP Network Services | ||
| a. | The Plan shall pay eligible charges, including but not limited | ||
| to, physician visits, inpatient hospital services, emergency room | |||
| services, outpatient surgery or procedures, intensive outpatient and | |||
| partial hospitalization for behavioral health services and laboratory/ | |||
| imaging services provided at a Non-QCHP Network facility or by a | |||
| Non-QCHP Network provider at 60% of the MRC amount. | |||
| b. | The benefit shall be subject to the applicable deductibles. | ||
| c. | The applicable deductibles and coinsurance amounts shall be | ||
| applied, dollar-for-dollar, toward the annual Non-QCHP Network | |||
| out-of-pocket maximum. | |||
| C. | Out-of-Pocket Maximums | ||
| 1) | Applicable deductibles and coinsurance shall apply, respectively, | ||
| toward the QCHP Network out-of-pocket maximum or the Non-QCHP | |||
| Network out-of-pocket maximum. The Plan shall pay 100% of eligible | |||
| charges for the remainder of the plan year after the out-of-pocket | |||
| maximum has been met. | |||
| 2) | The Individual In-Network QCHP out-of-pocket maximum shall be | ||
| $1,750.00. | |||
| 3) | The family In-Network QCHP out-of-pocket maximum shall be two | ||
| and one-half times the QCHP Network individual out-of-pocket | |||
| maximum. | |||
| 4) | The Individual Non-QCHP Network out-of-pocket maximum shall be | ||
| $7,000.00. | |||
| 5) | The family Non-QCHP Network out-of-pocket maximum shall be | ||
| $13,500.00. | |||
| D. | Medical Out-of-Pocket Maximum Exclusions | ||
| The following items do not accumulate toward the medical out-of-pocket | |||
| maximums: | |||
| 1) | Prescription drug deductibles, co-payments, or coinsurance; | ||
| 2) | Reduction of benefit amounts imposed for failure to notify the Plan’s | ||
| Utilization Management Program administrator; | |||
| 3) | Any charges greater than the MRC amount and any ineligible charges; | ||
| 4) | The portion of the Medicare Part A deductible the member is | ||
| responsible to pay. |
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| E. | Notification and Authorization | ||
| 1) | Notification shall be provided to the Utilization Management | ||
| Administrator by the member prior to receiving any of the following | |||
| services, including but not limited to: | |||
| a. | Non-emergency hospital, partial hospitalization program, inpatient | ||
| hospice, skilled care facility admissions and related continued stays; | |||
| b. | All surgical procedures, except those that are performed in a | ||
| physician’s office; | |||
| c. | High-tech imaging services (including but not limited to MRI, PET, | ||
| and CAT scans); | |||
| d. | Outpatient surgery, in locations other than a physician’s office; | ||
| e. | Emergency hospital admission (notification must be provided | ||
| within 48 hours of an admission); | |||
| f. | Transplant services; | ||
| g. | Hospice Care; | ||
| h. | Skilled Nursing. | ||
| 2) | Failure to provide notification to the Utilization Management | ||
| Administrator shall result in a reduction in reimbursement of the | |||
| medically necessary charges by $800.00. Benefits are limited to those | |||
| covered services that are determined by the Administrator to be | |||
| medically necessary. | |||
| F. | Medical Case Management (MCM) Program and Disease |
Management (DM) Program
| 1) | MCM and DM are two Programs designed to assist members or | |||
| dependents during times of serious or prolonged medical conditions | ||||
| that require complex medical care. | ||||
| 2) | A case manager may be assigned to the member’s or dependent’s | |||
| medical case to ensure appropriate care under the Plan. | ||||
| 3) | Cases shall be identified and referred to the MCM and/or DM Program | |||
| by the Utilization Management Administrator and/or Medical Claims | ||||
| Administrator. | ||||
| 4) | The Utilization Management Administrator shall evaluate the member’s | |||
| or dependent’s medical case including treatment setting, level of care | ||||
| and intensity of service. The member or dependent shall be contacted | ||||
| directly by the MCM or DM Program professional who shall describe | ||||
| the program and make recommendations for settings and/or providers | ||||
| of care. The member will have the option of following or not following | ||||
| the recommendation. | ||||
| G. | Covered Services | |||
| 1) | Preventive Benefits | |||
| a. | QCHP shall cover the following preventive physical examinations | |||
| and immunizations: | ||||
| i. | Preventive physical examinations for children in accordance | |||
| with the recommendations of the U. S. Preventive Services | ||||
| Task Force (USPSTF); | ||||
| ii. | Required school physical examinations; | |||
| iii. | Child and adult immunizations in accordance with the |
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| recommendations of the Center for Disease Control (CDC) and | |||
| the Advisory Committee on Immunization Practices (ACIP) | |||
| guidelines; | |||
| iv. | Adult routine physical examinations in accordance with the | ||
| recommendations by the USPSTF up to a limit of $250.00 per | |||
| exam. Exams will be covered once every three years for adults | |||
| under age 50 and annually for adults age 50 and over; | |||
| v. | Annual pap smears, including associated office visit charges for | ||
| women over age 18 or younger if medically appropriate; and | |||
| vi. | Preventive services required pursuant to state or federal law. | ||
| b. | For all of the routine physical exams discussed in this section, | ||
| charges associated with these exams, including but not limited to, | |||
| physician office charges, laboratory, immunization, imaging, and | |||
| screening tests, will be covered at the applicable benefit level. The | |||
| annual QCHP deductible shall not apply to any charges associated | |||
| with these routine physical examinations. All preventive services | |||
| received at non-QCHP Network providers are subject to MRC | |||
| charge review and adjustment. | |||
| 2) | Prescription Drugs | ||
| a. | Prescription Plan Year Deductible | ||
| i. | The prescription deductible shall be $175.00 per member or | ||
| dependent; | |||
| ii. | This deductible shall apply to all prescriptions covered by the Plan | ||
| and shall be separate and distinct from all other QCHP | |||
| deductibles; | |||
| iii. | Effective July 1, 2026, the prescription drug deductible per | ||
| member or dependent shall increase by $25.00, resulting in a | |||
| total prescription deductible per member or dependent of $200.00. | |||
| b. | Co-payments | ||
| i. | Co-payments for a 30-day supply of medication shall be as | ||
| follows: | |||
| a. $18.00 for Tier I; | |||
| b. $38.00 for Tier II; | |||
| c. $60.00 for Tier III. | |||
| ii. | Effective July 1, 2024, co-payments for a 30-day supply of | ||
| medication shall be as follows: | |||
| a. $20.00 for Tier I; | |||
| b. $40.00 for Tier II; | |||
| c. $65.00 for Tier III. | |||
| d. Prescription drugs shall be placed into each tier as determined | |||
| by the health plan’s prescription benefit manager. | |||
| iii. | Co-payments for a 60-day supply of medication shall be two | ||
| times the amount of the applicable 30-day co-payment. | |||
| iv. | If a member or dependent elects a higher Tier drug where a lower | ||
| Tier drug is available, the member or dependent is responsible for | |||
| the higher co-payment plus the difference in cost between the | |||
| drugs. |
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| c. | Maintenance Medication Program | ||
| i. | Maintenance medications are medications taken for chronic | ||
| conditions as determined by the Plan. | |||
| ii. | 90-day fills of maintenance medications at mail order, or at | ||
| a PBM- contracted network retail pharmacy willing to participate | |||
| in the maintenance medication program on the terms and | |||
| conditions of the network agreement with the Plan’s PBM, shall | |||
| be available with co-payments equal to two and one-half times | |||
| the amount of the applicable co- payments for a 30-day supply of | |||
| medication. | |||
| iii. | After two 30-day fills of maintenance medication obtained at a | ||
| retail pharmacy, the co-payment of subsequent 30-days fills | |||
| shall be two times the applicable co-payment for the initial 30- | |||
| day fill. | |||
| d. Preferred Drug Step Therapy (PDST) program | |||
| i. | The PDST is a program to be provided by the State’s Pharmacy | ||
| Benefit Manager (PBM) to encourage the use of certain drugs | |||
| that are therapeutically-equivalent to more expensive drugs. | |||
| ii. | In certain instances, members will be required to try the lower | ||
| cost Tier drug before the Plan would consider coverage of the | |||
| more expensive Tier drug. | |||
| e. | Brand name drugs for which the generic equivalents have not | ||
| proven to be effective clinical substitutions based on generally | |||
| accepted clinical literature and/or medical research shall be treated | |||
| as generics. | |||
| 3) | Physical and Speech Therapy | ||
| a. | Inpatient or outpatient therapy shall be covered as described in the | ||
| State of Illinois Employee Benefits Handbook; | |||
| b. | Services shall be provided by a licensed or certified therapist or | ||
| physician. | |||
| 4) | Chiropractic | ||
| a. | Shall be limited to 30 visits per plan year. | ||
| 5) | Transplants | ||
| a. | Evaluation shall be covered at a QCHP Network facility. The | ||
| transplant shall be approved or denied as a result of this evaluation | |||
| on the basis of whether it is viable and non-experimental; | |||
| b. | All services must be performed at a QCHP Network facility; | ||
| 6) | Hospice Care | ||
| a. | Shall be covered as described in the State of Illinois Employee | ||
| Benefits Handbook. | |||
| 7) | Skilled Nursing | ||
| a. | Must be authorized by the Utilization Management Administrator. | ||
| Medicare primary members and dependents are required to notify | |||
| the Utilization Management Administrator for hospital stays and | |||
| admission to skilled care facilities; | |||
| b. | Care may be rendered at home or in a licensed skilled care facility. | ||
| The Plan shall pay the lesser of either home health care treatment or |
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| care in a licensed skilled care facility within the same geographic | ||
| region. | ||
| 8) | Infertility | |
| a. | Diagnosis and treatment of infertility shall be covered as | |
| described in the State of Illinois Employee Benefits Handbook. | ||
| 9) | Hospital Bill Audit Benefit | |
| a. | If a member or dependent discovers an error or overcharge on a | |
| hospital bill and obtains a corrected bill from the hospital, the | ||
| member shall be paid 50% of the resulting savings. | ||
| 10) Second Surgical Opinions | ||
| a. | The plan will pay 100% of the charges for a second surgical opinion, | |
| if required by the Utilization Management Administrator. If the | ||
| second opinion does not confirm the need for surgery, the plan will | ||
| pay for a third opinion. |
HEALTH MAINTENANCE ORGANIZTIONS (HMOs)
| 1) | The State shall continue to offer enrollment in HMOs; | ||
| 2) | All eligible services including, but not limited to the following, shall | ||
| be subject to deductibles, co-payments, coinsurance amounts and out- | |||
| of-pocket maximums. | |||
| A. | Co-payments | ||
| 1) | Primary Care Physician Office Visit | ||
| a. | The co-payment shall be $30.00 per Primary Care Physician (PCP) | ||
| office visit. | |||
| 2) | Specialist Office Visit, Home Health Visit, and Rehab | ||
| a. | The co-payment shall be $35.00 per specialist office visit. | ||
| b. | Effective July 1, 2024, this amount shall increase by $5.00 for a | ||
| total specialist office visit co-payment of $40.00. | |||
| 3) | High-Tech Imaging | ||
| a. | The co-payment shall be $30.00 for specific diagnostic tests | ||
| including, but not limited to MRI, PET Scan, and CAT Scan. | |||
| 4) | Inpatient Admission | ||
| a. | The co-payment shall be $425.00 per admission to a hospital, | ||
| hospice, or extended care facility. | |||
| b. | Effective July 1, 2025, this amount shall increase by $50.00 for a | ||
| total co-payment of $475.00 per admission to a hospital, hospice or | |||
| extended care facility. | |||
| c. | Effective July 1, 2026, this amount shall increase by $50.00 for a total | ||
| co-payment of $525.00 per admission to a hospital, hospice or | |||
| extended care facility. | |||
| 5) | Outpatient Surgery | ||
| a. | The co-payment shall be $300.00 per outpatient surgery. | ||
| b. | Effective July 1, 2025, this amount shall increase by $50.00 for a | ||
| total co-payment of $350.00 per outpatient surgery. | |||
| c. | Effective July 1, 2026, this amount shall increase by $50.00 for a | ||
| total co-payment of $400.00 per outpatient surgery. | |||
| 6) | Emergency Room | ||
| a. | The co-payment shall be $275.00, or 50%, whichever is less, per |
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| emergency room use. | ||||
| B. | Coinsurance | |||
| 1) | The following services shall be covered at 100% after the applicable | |||
| co-payment: | ||||
| a. | Inpatient admission to a hospital, hospice, or skilled care facility; | |||
| b. | Outpatient surgery; | |||
| c. | Emergency room services; | |||
| d. | Primary Care Physician office visits; | |||
| e. | Specialist office visits; | |||
| f. | Home health care visits; | |||
| g. | Professional charges; | |||
| h. | Psychiatric care; | |||
| i. | Prosthetic devices; | |||
| j. | Diagnostic lab and imaging services. | |||
| 2) | The following covered services shall be covered at 80%. | |||
| a. | Durable Medical Equipment. | |||
| C. | Out-of-Pocket Maximums | |||
| 1) | Applicable deductibles and coinsurance shall apply toward the MCHP | |||
| out-of-pocket maximum. The Plan shall pay 100% of eligible charges | ||||
| for the remainder of the plan year after the out-of-pocket maximum | ||||
| has been met. | ||||
| 2) | The individual MCHP out-of-pocket maximum shall be $3,000.00. | |||
| 3) | The family In-Network MCHP out-of-pocket maximum shall be two | |||
| times the MCHP Network individual out-of-pocket maximum. | ||||
| D. | Prescription Drugs | |||
| 1) | Prescription Plan Year Deductible | |||
| a. | The prescription deductible shall be $150.00 per member or | |||
| dependent; | ||||
| b. | Effective July 1, 2026, the prescription drug deductible per member | |||
| or dependent shall increase by $25.00, resulting in a total prescrip- | ||||
| tion deductible per member or dependent of $175.00. | ||||
| c. | This deductible applies to all prescriptions covered by the Plan and | |||
| shall be separate and distinct from all other MCHP deductibles. | ||||
| 2) | Co-payments | |||
| a. | Co-payments for a 30-day supply of medication shall be as follows: | |||
| i. | $4.00 for Reduced Tier I; | |||
| ii. | $16.00 for Tier I; | |||
| iii. | $33.00 for Tier II; | |||
| iv. | $57.00 for Tier III. | |||
| b. | Effective July 1, 2024, co-payments for a 30-day supply of | |||
| medication shall be as follows: | ||||
| i. | $4.00 for Reduced Tier I; | |||
| ii. | $20.00 for Tier I; | |||
| iii. | $35.00 for Tier II; | |||
| iv. | $60.00 for Tier III. | |||
| v. | Prescription drugs shall be placed into each tier as determined by | |||
| the health plan’s prescription benefit manager. |
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| c. | If a member or dependent elects a higher Tier drug where a lower | |
| Tier drug is available, the member or dependent is responsible for | ||
| the higher co-payment plus the difference in cost between the drugs. | ||
| 3) | 90-day Supply of Medication | |
| The Plan shall make available a 90-day supply of medication, through | ||
| certain managed care health plans that are operated on an insured basis. | ||
| These health plans shall be specified each year during the Benefit | ||
| Choice Period. Co-payments for the 90-day supply of medication shall | ||
| be determined by the managed care health plans. | ||
| 4) | Brand name drugs for which the generic equivalents have not proven | |
| to be effective clinical substitutions based on generally accepted | ||
| clinical literature and/or medical research shall be treated as generics. |
OPEN ACCESS PLANS (OAPs)
| 1) | The State shall continue to offer enrollment in OAPs; | ||
| 2) | All eligible services including, but not limited to the following, shall | ||
| be subject to deductibles, co-payments, coinsurance amounts and out- | |||
| of-pocket maximums. | |||
| A. | Plan Year Deductible | ||
| 1) | The deductible shall be $300.00 per enrollee for charges incurred at a | ||
| Tier II provider or facility. | |||
| a. | Effective July 1, 2025, the Tier II deductible shall increase by | ||
| $25.00 for a total Tier II deductible of $325.00. | |||
| 2) | The deductible shall be $400.00 per enrollee for charges incurred at a | ||
| Tier III provider or facility. | |||
| a. | Effective July 1, 2025, the Tier III deductible shall increase by | ||
| $25.00 for a total Tier III deductible of $425.00. | |||
| B. | Co-insurance | ||
| 1) | The plan shall pay for eligible covered services at the following rates: | ||
| a. | 100% for Tier I | ||
| b. | 90% for Tier II | ||
| c. | 60% for Tier III | ||
| 2) | The payments shall be subject to the appropriate deductibles, co- | ||
| payments and out-of-pocket maximums. | |||
| 3) | Durable Medical Equipment shall be paid at 80% at both Tier I and | ||
| Tier II and at 60% at Tier III. | |||
| 4) | Preventative services, including immunizations and Well Baby care | ||
| shall be covered at 100% only at Tier I and Tier II. | |||
| C. | Co-payments | ||
| 1) | Primary Care Physician Office Visit | ||
| a. | The co-payment shall be $30.00 per Primary Care Physician (PCP) | ||
| office visit at Tier I. | |||
| 2) | Specialist Office Visit, Home Health Visit, and Rehab | ||
| a. | The co-payment shall be $35.00 per Specialist Office Visit, Home | ||
| Health Visit, and Rehab at Tier I. | |||
| b. | Effective July 1, 2024, the co-payment shall increase by $5.00 for | ||
| a total Specialist Office Visit, Home Health Visit, and Rehab co- | |||
| payment of $40.00. |
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| 3) | Emergency Room | |||
| a. | The co-payment shall be $275.00 per emergency room visit. | |||
| 4) | High Tech Imaging | |||
| a. | The co-payment shall be $30.00 for specific diagnostic tests | |||
| including, but not limited to MRI, PET Scan, and CAT Scan. | ||||
| 5) | Inpatient Admission | |||
| a. | The co-payment per admission to a hospital, hospice, or extended | |||
| care facility shall be as follows: | ||||
| i. | $425.00 at Tier I; | |||
| ii. | $475.00 at Tier II; | |||
| iii. | $575.00 at Tier III. | |||
| b. | Effective July 1, 2025, the co-payment shall be as follows: | |||
| i. | $475.00 at Tier I; | |||
| ii. | $525.00 at Tier II; | |||
| iii. | $625.00 at Tier III. | |||
| c. | Effective July 1, 2026, the co-payment shall increase by $50.00 | |||
| for a total co-payment per inpatient admission of: | ||||
| i. | $525.00 at Tier I; | |||
| ii. | $575.00 at Tier II; | |||
| iii. | $675.00 at Tier III. | |||
| 6) | Outpatient Surgery | |||
| a. | The co-payment shall be $300.00 per outpatient surgery. | |||
| b. | Effective July 1, 2025, the co-payment shall increase by $50.00 for | |||
| a total co-payment per outpatient surgery of $350.00. Effective | ||||
| July 1, 2026, the co-payment shall increase by $50.00 for a total | ||||
| co-paymentper out patient surgery of $400.00. | ||||
| D. | Out-of-Pocket Maximums | |||
| 1) | The individual out-of-pocket maximum shall be $3,000.00 at Tier I | |||
| and Tier II combined. | ||||
| 2) | The family out-of-pocket maximum shall be two times the individual | |||
| out-of- pocket maximum. | ||||
| E. | Prescription Drugs | |||
| 1) | Prescription Plan Year Deductible | |||
| a. | The prescription deductible shall be $150.00 per member or | |||
| dependent. | ||||
| b. | Effective July 1, 2026, the deductible shall increase by $25.00 for a | |||
| total prescription deductible of $175.00 per member or dependent. | ||||
| 2) | Co-Payments | |||
| a. | Co-payments for a 30-day supply of medication shall be as follows: | |||
| i. | $4.00 for Reduced Tier I; | |||
| ii. | $16.00 for Tier I; | |||
| iii. | $33.00 for Tier II; | |||
| iv. | $57.00 for Tier III. | |||
| b. | Effective July 1, 2024, co-payments for a 30-day supply of medi- | |||
| cation shall be as follows: | ||||
| i. | $4.00 for Reduced Tier I; | |||
| ii. | $20.00 for Tier I; |
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| iii. | $35.00 for Tier II; | ||
| iv. | $60.00 for Tier III; | ||
| c. If a member or dependent elects a higher Tier drug where a lower | |||
| Tier drug is available, the member or dependent is responsible for | |||
| the higher co-payment plus the difference in cost between the drugs. | |||
| 3) | 90-Day Supply of Medication | ||
| a. | 90-day fills of maintenance medications at mail order, or at a PBM- | ||
| contracted network retail pharmacy willing to participate in the | |||
| maintenance medication program on the terms and conditions of the | |||
| network agreement with the Plan’s PBM, shall be available with | |||
| co-payments equal to two and one-half times the amount of the | |||
| applicable co-payments for a 30-day supply of medication. |
Section 4. DENTAL PLAN COVERAGE The State may offer a managed care dental plan during the term of this Agreement.
Quality Care Dental Plan (QCDP)
| 1) | The State shall continue to offer enrollment in the QCDP. | |||
| 2) | Members who choose to receive services from a provider within the | |||
| QCDP Provider Network shall receive an enhanced benefit. | ||||
| A. | Deductibles | |||
| 1) | The deductible shall be $175.00 per member or dependent per plan | |||
| year on all covered services except preventive and diagnostic services. | ||||
| B. | Annual and Lifetime Maximums | |||
| 1) | The annual maximum benefit for services provided by an in-network | |||
| provider shall be $2,500.00 per member or dependent. | ||||
| 2) | The annual maximum benefit for services provided by an out-of- | |||
| network provider shall be $2,000.00 per member or dependent. | ||||
| 3) | The lifetime maximum benefit for orthodontia services provided by an | |||
| in-network provider shall be $2,000.00 per child. | ||||
| 4) | The lifetime maximum benefit for orthodontia services provided by an | |||
| out-of- network provider shall be $1,500.00 per child. | ||||
| C. | Covered Services | |||
| 1) | The QCDP shall cover certain preventive, diagnostic, and restorative | |||
| services as follows: | ||||
| a. | Diagnostic and Preventive Services: | |||
| Initial oral exam; | ||||
| Periodic oral exam; | ||||
| X-rays; | ||||
| Prophylaxis/Fluorides; | ||||
| Sealants. | ||||
| b. | Restorative Services: | |||
| Amalgam fillings, 1 to 4 surfaces; | ||||
| Composite fillings, 1 to 4 surfaces; | ||||
| Crowns; | ||||
| Post and core buildups and crown lengthening; | ||||
| Inlays/Onlays; |
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| c. | Oral Surgery: | |||
| Simple extractions (non-surgical); | ||||
| Additional single extractions; | ||||
| Surgical extractions; | ||||
| Oral Biopsy; | ||||
| Alveoplasty; | ||||
| Frenectomy; | ||||
| General anesthesia, including intravenous sedation (where | ||||
| medically necessary); | ||||
| Conscious sedation (where medically necessary). | ||||
| d. | Endodontal Services: | |||
| Root canal - anterior, bicuspid, molar; | ||||
| Pulp capping; | ||||
| Pulpotomy. | ||||
| e. | Periodontal Services: | |||
| Gingivectomy or gingivoplasty; | ||||
| Root planing; | ||||
| Mucogingival surgery; | ||||
| Osseous surgery. | ||||
| f. | Fixed and Removable Prosthetics: | |||
| Full dentures; | ||||
| Partial dentures; | ||||
| Bridges; | ||||
| Implants. | ||||
| g. | Orthodontic Services: | |||
| Comprehensive treatment; | ||||
| Minor Treatment. | ||||
| 2) | Orthodontic treatment is limited to persons age 18 and under. | |||
| 3) | Orthodontic treatment of deciduous teeth is not covered. | |||
| D. | Benefit Levels | |||
| 1) | The benefit levels for the QCDP shall be determined from a statewide | |||
| fee schedule equivalent to reasonable and customary charges statewide | ||||
| for all covered services. | ||||
| 2) | The schedule of maximum benefits shall be reviewed every two years | |||
| and adjusted based on the most current statewide reasonable and | ||||
| customary data available at that time. | ||||
| 3) | The benefit for replacement of crowns, bridges and dentures shall be | |||
| limited to once every five years. |
Section 5. VISION PLAN COVERAGE A vision benefit shall be made available to all members and dependents enrolled in a health plan offered pursuant to the State Employees Group Insurance Act of 1971.
| A. | Covered Services | |
| Vision services shall be made available as follows: | ||
| 1) | Well-care eye examination and replacement of lenses, once every plan |
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| year; | ||
| 2) | Frames benefit once every two plan years. | |
| B. | Benefits at Network Providers | |
| For services provided by a network provider, the member and/or |
dependent co-payment shall not exceed the following:
| 1) | $25.00 for the eye exam; | |
| 2) | $25.00 for lenses; | |
| 3) | $25.00 for Standard Frames (Standard frames are defined as frames | |
| with a $70.00 average wholesale cost); | ||
| 4) | Effective July 1, 2020, the amount of each co-payment for services | |
| shall increase by $5.00 to a co-payment of $30.00; | ||
| 5) | In lieu of standard frames with lenses, there shall be a $120.00 | |
| allowance for the cost of contact lenses. | ||
| C. | Benefits at Non-Network Providers | |
| For services provided by a non-network provider, reimbursement shall |
not exceed the following:
| 1) | $30.00 for the eye exam; |
| 2) | $50.00 for single vision lenses; |
| 3) | $80.00 for bifocals and trifocals; |
| 4) | $70.00 for frames; |
| 5) | In lieu of standard frames with lenses, $120.00 reimbursement for |
| contact lenses. |
Section 6. DISPUTE RESOLUTION The Parties to this Agreement shall negotiate over the terms of an appeals process that is in conformance with the Affordable Care Act.
Section 7. JOINT LABOR/MANAGEMENT ADVISORY
COMMITTEE ON HEALTHCARE BENEFITS
The Joint Labor/ Management Advisory Committee (JLMAC) on health care benefits shall provide for the development and introduction of value-based benefit design changes for all health plans, with the goal of improving the health of the covered population.
The State agrees to provide a funded position(s) and to budget appropriately to carry out the initiatives of the Committee. The parties will explore the feasibility of jointly determining potential candidates for such position.
The Committee will be composed of an even number of members, half selected by the State and half selected by AFSCME.
The Committee shall:
| 1. | Research and make recommendations and decisions within its authority |
| related to the achievement of significant and measurable savings in the | |
| cost of employee health care during the terms of this Agreement; | |
| 2. | Develop incentives for employees to participate in offered programs |
| including, but not limited to, waivers of co-payments, reductions in | |
| co-insurance and reward programs for participating in various | |
| preventive screenings and testing; |
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| 3. | Approve changes that will promote better health resulting in lower cost |
| trends and significant cost containment or savings for either the self- | |
| insured or the managed care plans; | |
| 4. | The State will provide the Committee with data on the healthcare costs |
| on a quarterly basis beginning in November 2019 for the previous | |
| quarters’ costs and for each subsequent quarter within 60 days of the | |
| close of the previous quarter; | |
| 5. | Review administrative aspects of the group insurance plan and make |
| recommendations within its authority. |
Section 8. WELLNESS
| 1) | Flu vaccines for members shall be covered under this program. | |
| 2) | Reimbursement for participation in a smoking cessation program shall | |
| be 100% of the cost with an annual maximum of $200. | ||
| 3) | Reimbursement for participation in a weight loss program shall | |
| be 100% of the costs with an annual maximum of $200.00. This benefit | ||
| is payable only once every three (3) years. | ||
| 4) | The employer will implement value-based benefit design innovations | |
| in all health plans, which may include but not be limited to the | ||
| following disease management programs: | ||
| a) | a prescription co-pay waiver program for individuals with chronic | |
| diseases, including diabetes, asthma, hypertension and cardio/ | ||
| vascular disease; | ||
| b) | coverage for prescription smoking cessation medications and | |
| behavior modification counseling for individuals who agree to | ||
| make an effort to quit tobacco, and | ||
| c) | “reward” programs for health behaviors including, but not limited | |
| to, discounts for health club memberships. | ||
| 5) | The Joint Labor/Management Advisory Committee on health care | |
| benefits may modify this Section with the goal of improving both the | ||
| mental and physical health of the covered population. | ||
| 6) | The Committee shall develop a plan for implementation of additional | |
| chronic condition management programs. | ||
| 7) | The Committee shall endeavor to develop innovative solutions to | |
| address the improved health and wellbeing of employees. | ||
| 8) | Where the committee identifies variances in levels of coverage, the | |
| parties may review levels of coverage provided for specific benefits | ||
| with the goal of ensuring that benefits are available and uniform across | ||
| health plans to the extent practicable. |
Section 9. TERM LIFE INSURANCE The State shall provide basic term life insurance equal to 100% of the employee’s salary, at premiums to be paid by the State, unless the employee is on a leave of absence as enumerated in the State of Illinois Benefits Handbook.
Employees may purchase, subject to medical underwriting requirements of the Life Insurance Administrator, up to eight (8) times their annual salary for optional (member paid) term life insurance and $10,000.00 in term life
[287] insurance for spouses and children.
Section 10. COMMUNICABLE DISEASES Department of Children and Family Services (DCFS) employees shall have access to TB (tuberculosis) testing and hepatitis B vaccine at no cost to the employee. employee.
The method for administration of this benefit shall be determined jointly by the Department of Central Management Services (DCMS) and DCFS.
Section 11. LAID OFF AND FURLOUGHED EMPLOYEES
| 1) | Certified employees on layoff status shall retain health, dental, and |
| vision insurance coverage for a period of one month per year of | |
| service, with a minimum of six months and a maximum of twenty-four | |
| months following the effective date of the layoff with the Employer | |
| paying the full premium, single or family plan as appropriate. | |
| Employees who convert to intermittent or part-time status as a result of | |
| a layoff shall have their first year of health, dental, vision, and life | |
| insurance coverage treated as if they continued to work as a full time | |
| employee. | |
| 2) | Employees in furlough status at the Illinois School for the Deaf and |
| Illinois School for the Visually Impaired shall retain health, dental, and | |
| vision coverage during scheduled summer breaks with the Employer | |
| paying the full premium, single or family plan as appropriate. |
Section 12. COMMUTER SAVINGS BENEFIT PROGRAM The employer shall provide a pre-tax payroll deduction program for transportation expenses in accordance with and to the extent permitted by the Transportation Equity Act for the 21st Century (TEA-21).
Section 13. PAID LEAVE FOR ORGAN TRANSPLANT DONOR The employer shall grant up to six (6) weeks of leave with pay for living donors of organs including, but not limited to, kidneys, bone marrow, or any other organ that may be transplanted.
Section 14. HEARING BENEFITS The Employer shall provide benefits for hearing exams and hearing aids, up to a maximum of $150.00 for audiologist fee(s) and up to a maximum of $600.00 for hearing aid(s), limited to once every three years.
Section 15. SAME SEX DOMESTIC PARTNERS A domestic partner of the same sex, enrolled prior to June 11, 2011, shall be considered eligible for coverage under the health, dental and vision plans. The State shall require reasonable proof of the domestic partnership.
For purposes of this Section, a domestic partner is defined as an unrelated person of the same sex who has resided in the employee’s household and has had a financial and motional interdependence with the employee, consistent with that of a married couple for a period of not less than one (1) year, and continues to maintain such arrangement consistent with that of a married
[288] couple. The benefit shall be administered in accordance with all applicable state and federal laws. The parties recognize and agree that persons who have entered into a civil union in accordance with the Illinois Religious Freedom and Civil Union Act, 750 ILCS 75/1 et seq. (PA 096-1513) and the children of those who have entered into such a civil union shall be entitled to coverage under the health, dental and vision plans as well as to other benefits conferred by the Act. In the event the Illinois Religious Freedom and Civil Union Act, 750 ILCS 75/1 et seq. (PA 096-1513) is repealed or otherwise rendered invalid, the civil union partner and children who were eligible to receive and who were receiving health, dental and/or vision benefits at the effective date of the repeal or invalidity shall continue to receive such benefits and coverages, and the limiting enrollment date of June 1, 2011, shall be null and void and the provisions of this section of Appendix A shall be made applicable to all same sex domestic partners who meet the definition of domestic partner contained herein.
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Appendix B
Section 1. SUMMARY OF BENEFITS The State shall maintain a program of group health benefits in which eligible annuitants of SERS and TRS may participate. For purposes of this section, annuitant includes retired employee, annuitant and survivor.
Specific benefits, including those benefits outside of the basic program of group health benefits, as well as relevant plan design elements, are as outlined in Appendix A.
Nothing contained in this Appendix or in this Agreement prohibits the Director of CMS from establishing or accessing Medicare Advantage program of health benefits specifically designed for Medicare-eligible annuitants.
Such program of health benefits may differ from that outlined in Appendix A as long as the benefits and design, including participant responsibility for out-of-pocket costs and provider networks are at least comparable to those benefits provided through the State’s supplementary Medicare program. For a Medicare eligible annuitant with covered dependents, the dependents must be covered by Medicare in order for the annuitant to participate in Medicare Advantage. The Joint Labor Management Advisory Committee shall work to ensure a smooth transition to a Medicare Advantage Program that conforms to the collective bargaining agreement, including this Appendix. The State will, to the extent practicable, permit separate plan enrollment for members and dependents for Medicare primary annuitants.
Section 2. CONTRIBUTION AMOUNTS
| A. | Creditable State Service | |
| 1) | For annuitants who began receiving an annuity on or after January 1, | |
| 1998, the State shall contribute an amount towards the cost of the | ||
| annuitant’s coverage under the basic program of group health benefits | ||
| equal to 5% of that cost for each full year of creditable service upon | ||
| which the annuitant’s retirement annuity is based, up to a maximum of | ||
| 100% for an annuitant with 20 or more years of combined creditable | ||
| service. | ||
| 2) | The remainder of the cost of coverage under the basic program of | |
| group health benefits is the responsibility of the annuitant. | ||
| B. | Dependent Contributions | |
| 1) | Annuitant contributions for dependent coverage in the Quality Care | |
| Health Plan (QCHP) shall be as outlined in Appendix A. Member | ||
| contributions for dependent coverage in the comparable Medicare | ||
| Advantage plan shall be no more than $2.46 per month for one | ||
| Medicare primary dependent and no more than $5.05 per month for | ||
| two or more Medicare primary dependents. | ||
| 2) | Annuitant contributions for dependent coverage in a Health | |
| Maintenance Organization (HMO) or Open Access Plan (OAP) shall | ||
| be outlined in Appendix A. | ||
| C. | Plan Coinsurance. The coinsurance percentage applies regardless of | |
| Medicare status or whether the Plan is providing primary, secondary or |
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| tertiary insurance coverage. | |
| D. | There shall be no cost increases in any provisions of the plan design for |
| the Medicare Advantage Plan for the term of the contract, unless changes | |
| are federally required. During the term of the agreement, the parties shall | |
| explore the procurement of Long Term Care insurance. |
Section 3. CERTIFICATION OF PREMIUM
| A. | No later than May 1st of each calendar year, the Director of Central |
| Management Services shall certify in writing to the Executive Secretary | |
| of the State Employees Retirement System the amounts of the Medicare | |
| supplement healthcare premiums and the amount of the healthcare | |
| premiums for all other retirees who are not eligible for Medicare. | |
| B. | A separate calculation of the premiums based on the actual cost of each |
| healthcare plan shall be so certified. | |
| C. | The Director of Central Management Services shall provide to the |
| Executive Secretary of the State Employees Retirement System such | |
| information, statistics, and other data as he/she may require to review the | |
| premium amounts certified by the Director of Central Management | |
| Services. |
Section 4. NON-MEDICARE OPT-OUT Non-Medicare Retirees with twenty (20) years of creditable service who provide proof of other comprehensive medical coverage will be allowed to Opt Out of the health, dental and vision coverage provided by the State of Illinois Insurance Program and receive a financial incentive payment of $500 per month. In addition, the Employer may establish a prorated incentive for retirees with fewer than twenty (20) years of creditable service.
To qualify for this Financial Incentive Program, a retiree must be non- Medicare-eligible and able to provide proof of enrollment in another health benefit plan, either comprehensive major medical or comprehensive managed care, from a source other than one funded through the Illinois Department of Central Management Services (DCMS). If a retiree chooses to opt-out and receive the financial incentive, the retiree cannot enroll as a dependent of a state employee or retired spouse under the State of Illinois Group Insurance Program.
| Incentive payments will cease: | |
| A. | The 1st day of the month in which the annuitant turns age 65 and |
| becomes eligible for Medicare; | |
| B. | The 1st day of the month an annuitant becomes enrolled in Medicare |
| for any reason (age or disability); | |
| C. | The 1st day of the month following an annuitant reactivating coverage |
| in the state’s health plan. | |
| Retirees who elect to opt-out of the state health, dental and vision coverage |
and receive a financial incentive may re-enroll within 60 days of becoming Medicare primary, either due to age or disability. Retirees may also re-enroll during a Benefits Choice Period or within 60 days of experiencing a Qualifying Change in Status, such as divorce, marriage or loss of other coverage.
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