1 2016 Open Enrollment and Summary of Material Modifications prepared for Medical/Vision, Dental, Disability, Life/AD&D, Flexible Spending Accounts, Employee Assistance Program
2 2016 Open Enrollment and Summary of Material Modifications 1 November 16, 2015 Every year at this time we review our benefit plan offerings. Our carriers present their plan changes and new rates. We review our overall benefits program, the projected cost for next year, and what the College can afford. Based on this review, and in consultation with the Faculty and Staff Benefits Committees, and our Benefit Broker, we have made the following decisions related to our benefit offerings for the next year, effective January 1, 2016: Premera Blue Cross will continue to administer our medical, dental and ophthalmologist vision exam benefits Vision Service Plan (VSP) will continue to be our provider for routine vision exams and hardware benefits Life and disability benefits will now be offered through Lincoln Financial Group NEW Our Employee Assistance Plan will change to Employee Connect with our change to Lincoln Financial Group NEW You will continue to be able to set aside pretax dollars into a Flexible Spending Account for healthcare or dependent care services. The cost of healthcare in the United States continues to rise. Whitman s plan is a self-insured plan. This means that the cost of non-catastrophic claims is borne by the College. Because our claims experience thus far in 2015 has exceeded our budget we are increasing our projected expenses for Premiums paid by staff, faculty and the College will be increasing by 5%, which does not completely cover the expected costs for We have decided to use some of our reserves to cover the costs in an effort to adjust Whitman s reserve account downward to desired levels. Your actual medical, vision and Rx cost will continue to be based on your salary, as illustrated on pages 5 and 6. This charge will not affect what percentage you pay for dependent premiums. We will continue to equally share the medical, vision and Rx premium costs for covered family members (50/50). Whitman will continue to pay the full employee-only premiums for dental coverage and you will continue to be responsible for the cost to cover eligible family members. Your current group life insurance and optional supplemental life insurance elections will automatically roll over to the Lincoln. You may want to look at the increased guaranteed issue coverage and special enrollment options available to you only during this open enrollment period. We encourage you to use this opportunity to also update your life insurance beneficiary designation. If you want to make changes to your current medical, dental and/or life insurance elections, or to participate in an FSA plan for 2016, you will need to return the necessary forms to Human Resources. Otherwise, no action is necessary.
3 2016 Open Enrollment and Summary of Material Modifications 2 This open enrollment letter provides the information you and your family needs to make decisions about your benefits during this year s open enrollment, which will be from November 16th through December 4, You will read about the plan changes, the open enrollment process, and plan costs. Please take a few minutes to review this important information so you can make the best healthcare coverage decisions for you and your family. WHAT S NEW AND REMINDERS Medical & Dental There are no material changes to the medical or dental benefits as offered by Premera. There are a few small changes Premera is making to our medical plan: Hospice Benefit Premera now covers palliative care for those who have serious or life-threatening conditions, but are not terminally ill. Plan limitations still apply. Nutritional Therapy Benefit Services are now subject to the deductible and coinsurance. The office visit copay will no longer apply. Rehabilitation and Chronic Pain Care Benefit The visit limits for outpatient rehabilitative care will no longer apply to treatment of cancer, chronic pulmonary or respiratory disease, heart disease or other similar chronic conditions or diseases. Ambulance Allowable Charge Non-contracted ambulance providers who are not in a BlueCross BlueShield service area will have their allowable charges be considered their billed charges. Staying Healthy Are you looking for ways to stay healthy? Your health plan provides you with many tools to do so. Staying healthy is not only good for you and your family, but it also helps our health plan performance by keeping costs low. Log on to and create an account for access to: Wellness Tools Member Discounts Review claims Personal Health Statement
4 2016 Open Enrollment and Summary of Material Modifications 3 Reminder! Premera Mobile App You re busy. You re always on the go. With the Premera Mobile, they are with you every step of the way. With the Premera Mobile App you can: Find a Doctor A fast and easy way to find doctors, dentists, pharmacies, hospitals and urgent care facilities that includes pinpoint mapping. 24-Hour NurseLine Just one touch connects you to a registered nurse ready to discuss symptoms and treatment options. Proof of Coverage You have your ID card on your phone! This mobile proof of coverage can be ed to your provider. Discounts Member discounts offer savings on a wide variety of health and wellness products and services. Getting the app is easy: simply click on https://www.premera.com/wa/visitor/mobile/ From this page you will also have access to all of Premera s partner apps that give you access to apps that provide care options and assistance with health improvement. Vision These benefits will continue to be offered through Vision Service Plan (VSP). Vision benefits through VSP are included for all who are covered on our medical plan. Vision materials (lenses and frames) for children under age 19 are covered in full. Remember that Premera will continue to offer exams for those individuals who wish to have their routine vision exams performed by an Ophthalmologist. Life & Disability Our group life and disability programs will now be offered through Lincoln Financial Group. The benefit levels are identical to the plans offered through Cigna. Whitman purchases group life, AD&D and long term disability for our employees. Group Life & AD&D Insurance Eligible employees are covered for 1.5 times annual salary to a maximum of $500,000 for all employees. Dependent Life Optional. You may elect to have coverage for $5,000 for your spouse and $5,000 per covered dependent child (from age 14 days to age 26). The cost is $1.17 per month.
5 2016 Open Enrollment and Summary of Material Modifications 4 Long Term Disability Eligible employees receive a 60% of annual salary benefit up to $10,000 per month; maximum duration to Normal Retirement Age if totally disabled. Voluntary Life Since we have a new carrier, we are having an open enrollment for our voluntary life coverage. If you are currently covered for voluntary life through our Cigna plan, your coverage will automatically roll over to Lincoln. If you would like to purchase voluntary life for yourself or your family members, you can do so at this time up to the guarantee issue amounts (listed below) with no questions asked. If you would like to purchase more than the guarantee issue, you will need to apply and be approved by Lincoln, which will be based on proof of your good health. All eligible employees will receive personalized enrollment kits from Lincoln. Look for these kits in your mail box no later than November 23 rd. These kits will contain summaries of all the plans you are eligible to participate in, optional life election forms and rates and summaries of value added programs including the EAP and Travel Assist. Following is what you can purchase for voluntary life for yourself and your family members: Voluntary Life Insurance You are eligible to purchase in increments of $10,000 to up to 5 times annual salary or $500,000. Guarantee issue of $150,000 for the life insurance. Voluntary Accidental Death and Dismemberment Insurance (AD&D) You are eligible to purchase in increments of $10,000 to up to 5 times annual salary or $500,000. Voluntary Dependent Life Insurance You are eligible to purchase coverage for your spouse in increments of $5,000, to a maximum of 50% of employee s election. Guarantee issue of $30,000. Dependent Children you can elect in increments of $2,500 up to $10,000 per child. All guarantee issue. Voluntary Dependent AD&D - You are eligible to purchase coverage for your spouse in increments of $5,000, to a maximum of 50% of employee s election. Dependent Children you can elect in increments of $2,500 up to $10,000 per child. Additional information, rates and forms are available on the HR website, https://www.whitman.edu/openenrollment. Now is a great time to update your beneficiary designation for group life insurance benefits Employee Assistance Plan (EAP) EAP Services will now be sponsored through Lincoln Financial Group. Called EmployeeConnect, this provides up to 4 face to face counseling or assessment visits per year including 24/7 toll-free access to
6 2016 Open Enrollment and Summary of Material Modifications 5 professional counselors. You can seek advice on family, financial, or work/life balance for you or any member of your household. To learn more visit or call HOW MUCH DO I HAVE TO PAY FOR MEDICAL COVERAGE? Employee Only Coverage The amount you pay towards your employee only coverage is depends on your annual earnings and is as follows: Category 1 Full-time employees whose annual salaries are at or below the federal Health and Human Services Poverty Threshold (currently $24,250 for a family of four), will be exempt from making a monthly premium contribution for employee only coverage. Whitman College will pay 100% of the employee portion of the monthly premium. Category 2 Full-time employees whose annual salary is above $24,250 will pay a monthly premium contribution equal to 0.55% of their pay. If you receive an increase in pay during the year, your employee-only monthly premium will be re-calculated, based on the new salary. Example If you are currently making $60,000 per year, then you would use the following calculation to determine your employee-only monthly premium cost: Employee Salary $60,000 x.0055 = $330/12 months = per month Category 3 The monthly premiums for part time employees working less than 130 hours per month but at least 910 hours per year will continue to be prorated, based on the full-time equivalent percentage. For example, a part-time employee working 20 hours per week will pay 50% of the monthly premium. Family Coverage You will continue to pay 50% of the premium cost to cover your eligible family members for medical, vision, and prescription drug coverage. You will continue to pay 100% of the premium cost to cover your
7 2016 Open Enrollment and Summary of Material Modifications 6 eligible family members for dental coverage. Please see the following chart which outlines the contributions you and Whitman will incur in covering your family members, for medical/vision and dental coverage. The following are your monthly contributions for Medical/Vision and Dental effective January 1, 2016: Your Contribution for Medical/Vision Whitman College Pays Your Contribution for Dental Whitman College Pays Employee Category 1, 2 or 3 Varies* $0 $41.40 Spouse/Domestic Partner** $ $ $41.40 $0 All Children $ $ $31.50 $0 Spouse/Domestic Partner** & Children $ $ $72.90 $0 Please note that your contributions are taken out of your paycheck on a pre-tax basis as part of our Section 125 Premium Conversion Plan. Once you make your enrollment election for coverage you will not be allowed to change that election until our next Open Enrollment, unless you have a change in family status such as marriage, divorce, birth of a child, change in employment status, etc, and request the change within 60 days of the event. *Total monthly premium for employee only medical/vision/rx coverage is $ **Includes coverage for domestic partners. Due to IRS regulations, contributions for domestic partners are made on a post-tax basis. In addition, any premiums paid by the College will be considered taxable income. Flexible Spending Accounts (FSA) Universal Plan Administrators YOU DO NOT NEED TO BE ENROLLED IN THE WHITMAN COLLEGE MEDICAL PLAN TO TAKE ADVANTAGE OF THE FSA. Our Flexible Spending Accounts (FSA) allow you to use pre-tax dollars to reimburse yourself for out-ofpocket health care expenses (such as copays and deductibles), and/or dependent care expenses. In effect, you ask Universal Plan Administrators to set up an account into which you deposit pre-tax dollars from every paycheck. Like your premium contributions, these FSA accounts are permitted by Section 125 of the Internal Revenue Code and, as such, there are rules associated with them. To learn more about FSA plans, please review materials located on the Whitman HR benefit site - https://www.whitman.edu/open-enrollment.
8 2016 Open Enrollment and Summary of Material Modifications 7 The healthcare account is separate from the dependent care account. You can set up a healthcare account, a dependent care account, or both...but they are separate, meaning you cannot use funds from your dependent care account to pay for healthcare expenses, and vice versa. There are limits on the amounts you may deposit each year: $2,550* for the healthcare account and $5,000** per household for the dependent care account. If you wish to participate in a Healthcare or Dependent Care Flexible Spending Account for 2016 you must complete a new FSA Enrollment Form from Universal Plan Administrators. You also need an FSA Electronic Deposit Form (see HR for details) if you have not participated in the Whitman FSA previously. Be careful when making your election because any money left in your account at the end of the year will be forfeited in other words, use it or lose it! And, once you elect the amount(s) you want to deposit for the year, you cannot change or discontinue those deposits unless you experience a change in family status. So be sure to elect to set aside money that you KNOW you will need don t use these accounts as a rainy day fund. Those who enroll in the healthcare account now have the option of receiving an FSA debit card, called the mysourcecard, at no additional cost. The mysourcecard is pre-loaded for the entire amount you will set aside into the healthcare account this year and you will have the option of using the debit card to pay for healthcare expenses (copayments, deductibles, etc.). Please carefully read the materials from Universal Plan Administrators to learn about the advantages and responsibilities associated with using the mysourcecard. You will need to complete a mysourcecard Enrollment Agreement form to set up the debit card. If you are currently participating in the healthcare account and cannot use up the balance of your account by 12/31/2015, you will be allowed an additional two months to incur expenses. You must incur expenses by 2/28/2016, and file for reimbursement using the 125 FSA Voucher by 3/31/2016. *Please note that Whitman increased the healthcare account limit from $2,500 to $2,550, the maximum allowed by law. **The $5,000 per household maximum assumes you are single, or married filing jointly. If your tax filing status is otherwise, please consult your tax advisor. Note: Due to IRS regulations, expenses for domestic partners and their children are not eligible for reimbursement under the health care FSA or the dependent care FSA unless they are a Section 152 tax dependent.
9 2016 Open Enrollment and Summary of Material Modifications 8 OPEN ENROLLMENT This is the time of year to add or delete coverage for any eligible family members. If you do not enroll an eligible spouse or child now because they have coverage through another employer, you may only add that person on our plan during next year s Open Enrollment Period, unless you experience a qualified family status change (which includes your spouse/domestic partner losing their coverage). Life status changes must be requested and processed within 60 days of the event. WHAT DO I NEED TO DO? Optional: If you want to add medical/vision and/or dental coverage for yourself or an eligible family member, delete family medical coverage, or waive medical coverage in 2016, you will need to complete two forms: The Premera Member Enrollment and Change Application or Waiver Form and the Whitman Benefit Changes Open Enrollment Form. o o If you are enrolled in the Premera medical plan, you will be automatically enrolled in the VSP vision plan If there are no changes to your covered dependents, no action is needed Optional: If you wish to participate in a Healthcare, Dependent Care or Individual Health Policy Flexible Spending Account for 2016 you must complete a new FSA enrollment form from Universal Plan Administrators. You also need an FSA Electronic Deposit Form if you are new to FSAs. You need to complete the mysource Card Enrollment Form if you want to set up the Healthcare FSA debit card. Optional: If you would like to sign up for or make changes to your Voluntary Life and Accidental Death and Dismemberment benefits, complete the forms in your Lincoln packet. If you are applying for amounts over the guarantee issue, make sure you complete the evidence of insurability form. This is also a good opportunity to update your life insurance beneficiary using the Lincoln Basic and Voluntary Life and Basic and Voluntary AD&D Beneficiary Designation Form. All Open Enrollment forms are located at the Human Resources website, https://www.whitman.edu/open-enrollment, and must be submitted to Human Resources by Friday, December 4th, We can accept documents ed, faxed, by mail or hand delivered. If you need assistance completing open enrollment forms please contact Telara McCullough, Assistant Human Resources Director, Compensation and Benefits, at or at
10 2016 Open Enrollment and Summary of Material Modifications 9 WHERE DO I GO TO GET MORE INFORMATION OR IF I HAVE QUESTIONS? Premera Blue Cross Customer Service or 24-hour Health line at Maternity Program at Premera Discounts at Vision Service Plan Customer Service or VSP Member Discounts Universal Plan Administrators Customer Service or and myrsc.com Lincoln Financial Group Customer Service or Human Resources: Telara McCullough, Assistant Human Resources Director, Compensation and Benefits, at or Our Benefits Consultants: Jolie Berrier or Sally Borte of Parker, Smith & Feek at They can assist in answering questions or resolving claim issues that you are unable to resolve with the carrier directly. All assistance is completely confidential. HEALTHCARE REFORM The healthcare reform law is complicated and you may have questions about how it impacts you, your family and your benefits. There are two items you should know. First, most Americans are required to have health insurance. For 2016, individuals who do not purchase coverage and do not qualify for an exemption will pay the greater of 2.5% of your annual household income or $695 per person ($ per child). The Health Insurance Marketplace was created for individuals who have no access to affordable coverage to purchase health insurance. Whitman College offers a plan that meets the definition of affordable coverage and minimum value to all full time employees. Affordable is defined as the cost to cover an employee only and that it does not exceed 9.66% of your household income. Because the plan meets these Affordable Care Act requirements, employees and family members eligible for Whitman College s plan are NOT eligible for the federal subsidies available in the Health Insurance Marketplace.
11 2016 Open Enrollment and Summary of Material Modifications 10 LEGAL ANNUAL NOTICES Special Enrollment The Health Insurance Portability and Accountability Act of 1996 (HIPAA), allows a special enrollment period in addition to the regular open enrollment period. Only the following individuals may enroll outside the open enrollment period: Individuals who previously waived coverage under this program because they had other coverage and then involuntarily lost the other coverage. Enrollment must occur within 60 days of the loss of other coverage; New dependents due to marriage, birth, adoption or placement for adoption. The eligible employee and other dependents who previously did not elect to be covered under the employer's health care plan may also enroll at the time the new dependent is enrolled. Enrollment must occur within 60 days of date of marriage, or 60 days of a birth, adoption, fostering a child or placement for adoption; A court has ordered coverage be provided for a spouse or minor child under this plan and request for enrollment is made within 60 days after issuance of such court order; If employee and/or dependent(s) become ineligible for Medicaid or the Children s Health Insurance program and request coverage under our plan within 60 days of termination (Please read the Medicaid and the Children s Health Insurance Program notice for more information); or If employee and/or dependent(s) become eligible for the state premium assistance program and request coverage under our plan within 60 days after eligibility is determined. Notice Regarding the Women s Health and Cancer Rights Act of 1998 As required by the Women s Health and Cancer Rights Act (WHCRA) of 1998, this plan provides coverage for: All stages of reconstruction of the breast on which the mastectomy has been performed; Surgery and reconstruction of the other breast to produce a symmetrical appearance; and Prostheses and physical complications of mastectomy, including lymphedemas, in a manner determined in consultation with the attending physician and the patient. Such coverage may be subject to annual deductibles and coinsurance provisions as may be deemed appropriate and are consistent with those established for other benefits under the plan or coverage. Written notice of the availability of such coverage shall be delivered to the participant upon enrollment and annually thereafter. Contact Human Resources for more information.
12 2016 Open Enrollment and Summary of Material Modifications 11 ANNUAL REMINDERS Medicare Part D The medical plans offered by us provide prescription drug coverage that is at least as favorable as the Medicare Part D drug benefit that is now available. Our plans offer what is called creditable coverage, which allows a Medicare eligible person to avoid buying the Part D benefit. As long as the benefit meets the definition of creditable coverage, the Medicare eligible person will not have to buy a Part D plan, and will not be subject to the 1% per month late enrollment charge assessed by Part D. If you have questions about your options, please contact Human Resources, or our Benefits Consultant, Parker, Smith & Feek. HIPAA Privacy Practices The Health Insurance Portability and Accountability Act (HIPAA) requires employers to adhere to strict privacy guidelines and establishes your rights with regard to your personal health information. You received a copy of the Whitman College Group Health Plan Privacy Notice when you were hired. This notice describes how medical information about you may be used and disclosed, and how you can access that information. If you have any questions regarding the HIPAA Privacy Notice, or would like another copy, please contact Human Resources. COBRA COBRA continuation coverage is a temporary continuation of coverage under our employee benefit plan. Please contact our HR Department for a copy of the General Notice of COBRA Continuation Rights. This notice explains your rights and obligations to receive COBRA benefits. We are not always aware when a COBRA event takes place, unless notified by you. The most common examples are divorce, or when a dependent child exceeds the maximum age. When such an event occurs, the Notice of Qualifying Event must be postmarked within 60 days of the qualifying event for the affected person to be eligible for COBRA continuation. If you have questions about COBRA please contact Human Resources.
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EMPLOYEE BENEFITS GUIDE MEDICAL DENTAL VISION LIFE & DISABILITY & MORE 2 0 1 5 RBC Bearings Remains Committed Our employees are the key ingredient of our success. They are valued team members, and we depend
General Provisions Deductible (eligible medical and prescription drug expenses apply to the deductible) Kraft Foods Group, Inc. Retiree Medical and Prescription Plan Summary Care can be obtained in-network
Employee Benefits Open Enrollment 2014 Enroll November 10 to November 21 www.navientbenefits.com The Enrollment Process This year we are conducting a PASSIVE enrollment which means that eligible employees
Caring for those who Care A Look at the 2015 Benefits and Rewards of Being an HCR ManorCare Employee BENEFITS Your Wellness Matters HCR ManorCare s benefits are a shared investment in your health and well-being.
Health Savings Account HSA Summary Effective January 1, 2016 TABLE OF CONTENTS INTRODUCTION... 3 WHO IS ELIGIBLE... 3 IRS REQUIREMENTS... 3 WHEN IS ELIGIBILITY DETERMINED?... 3 DO MY SPOUSE & I ESTABLISH
Blue Shield of California Consumer Directed Health Plan with Health Savings Account (CDHP with HSA) Frequently Asked Questions What is the Blue Shield of California CDHP with HSA? The Blue Shield of California
Benefits Highlights Health Care Disability Benefits Retirement Plans Life & Other Insurance Programs Work & Family and Other GE Benefits HC Core 5A GE Benefits: Adding value beyond your paycheck The Company
Benefit Overview Health Care Plans at a Glance At Schaeffler the health of our employees and their families are a priority to us. Our benefits are designed to help them manage their physical and financial
COLLIERS INTERNATIONAL USA Benefits Guide 2013 2014 VISIT ColliersBenefits.com for online benefits information 2 CONTENTS About Your Benefits.......4 Eligibility.....4 When and How to Enroll.......5 Making
Your Guide to the Health Care Flexible Spending Account and the Health Savings Account TABLE OF CONTENTS Introduction...1 Health Care Flexible Spending Account...2 What Is The Health Care FSA?...2 When
Flexible Benefits Program & Flexible Spending Accounts Flexible Benefits Program & Flexible Spending Accounts The Flexible Benefits Program offers you a substantial tax savings opportunity. It allows you
Orange High Deductible Health Plan (HDHP) with Health Savings Account (HSA) FAQ (Frequently Asked Questions): The following questions and answers will help you better understand Hope College s New High
2015 BENEFITS GUIDE CONTENTS Welcome 1 2015 Benefit Highlights 2 Healthcare Reform 3 Eligibility 4 Medical Plan Descriptions 5 Medical Plans at a Glance 6 2015 E M P L O Y E E B E N E F I T S DEAR VALUED
Guide to Purchasing Health Insurance What are your health insurance choices? Which type is right for you? Sample questions Looking for insurance in specific situations Tips for shopping for health coverage
SUMMARY OF EMPLOYEE BENEFITS The City of Gaithersburg offers a competitive and comprehensive employee benefit package to eligible employees. This summary of benefits highlights general information about
West Texas Cooperative Online Benefit Enrollment Ralls Independent School District For benefit information and to enroll go to: www.wtxebc.com 1 Click the Login button to begin your Online Enrollment 2
Your Questions Answered 1. GENERAL 1.1 What is happening to my retiree medical and prescription drug benefits for Medicare-eligible participants as of January 1, 2015? Effective December 31, 2014, CIGNA
Electing Pre-tax Dollars To Pay For Your Health Care Expenses FSA LPF HSA Your Benefit Options Based On Your Health Insurance Plan BENEFIT OPTIONS You Have Elected a Traditional Health Plan... Low or no
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