Open Enrollment. Open Enrollment is October 26 November 13, 2015

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1 Open Enrollment Open Enrollment is October 26 November 13, 2015 Login to Employee Self Service (eserve) at hr.tufts.edu/eserve to make any benefit changes. Changes will be effective January 1, 2016.

2 Welcome to Your Benefit Plan Open Enrollment for 2016! This informational notice is being provided to encourage you to review, evaluate, and make necessary changes to your benefit elections from October 26 November 13, Any changes you wish to make will be effective January 1, A comprehensive overview which includes all benefit plan rates for 2016 is available onlineat hr.tufts.edu/benefits. Tufts University is pleased to offer our employees a comprehensive benefits package that supports you and your family s physical, mental, and financial health. We have had great success with the new array of health plans offered last year and will be continuing those options with no changes to plan design. Carefully assess the benefit options and costs before making decisions for yourself and your eligible family members. You may make benefit changes online via Employee Self Service (eserve) at hr.tufts.edu/eserve/. Please note that all of your benefit plan elections continue from year to year, except the Flexible Spending Accounts which require an active annual election. WHAT is changing for 2016? Health Plan costs for 2016 are increasing by 5.5%. In comparison, our health plans are performing better than the national average health cost increase of 6.5%. Qualified Domestic Partner coverage for Health, Dental, Vision, and Dependent Life Insurance will now include both same sex and opposite sex domestic partners. Dental benefits will continue to be provided through Delta Dental; there is no increase in cost for employees. Coverage for services provided at the Tufts University School of Dental Medicine Clinic has been enhanced. Supplemental Life insurance rates for employees will be decreasing; some age brackets will see reductions as much as 10%. Long Term Disability insurance rates for employees will be decreasing by 5% and the maximum monthly benefit amount will increase from $10,000 to $12,000/month. Health Advocate is a new benefit resource available at no cost to you as of October 26. See the informational section for details in this brochure.

3 Your Health Plan Choices All of our Health Plans are administered by Tufts Health Plan (THP). All three options use the same broad PPO network and all three plans cover the same array of medical and pharmacy services. Also, all three plans cover Preventive Care at 100% with no deductibles or copayments. We encourage you to learn more about the options available to see what is the best choice for you and your family. Quality Tiered Plan Traditional Plan Value Plan Your Payroll Deduction Cost : Semi Monthly Weekly Semi Monthly Weekly Semi Monthly Weekly Individual $91.50 $42.23 $96.27 $44.43 $81.97 $37.83 Two Person $ $ $ $ $ $ Family $ $ $ $ $ $ All Three Plan Choices Use the Full Tufts Health Plan PPO Network In the Quality Tiered Plan, you can use both Tier 1 and Tier 2 providers Tier 1 "TU Preferred" Providers Tier 2 In Network Providers Annual None $1,000 individual / $2,000 two person or family Out of Pocket Maximum Lifetime Maximum Preventive Care (Including Prenatal / Postnatal Care) Office Visits (Primary Care and Specialist) Outpatient Therapy (Occupational, Speech, Physical & Chiropractic Visits) $0 copay $0 copay $15 copay $15 copay $15 copay Laboratory and XRay $0 copay $0 copay High Cost Imaging (CT/PET scans, MRIs) $0 copay then covered 100% Urgent Care Centers $15 copay $15 copay Emergency Room (Waived if Admitted) Inpatient Services $250 per admission copay applies; then $500 per admit copay, then covered 100% Outpatient Surgery $150 per event copay applies; then $500 per event copay, then covered 100% Mental Health / Substance Abuse Inpatient Services $250 per admission copay $250 per admission copay Mental Health / Substance Abuse Outpatient Services Prescription Drug (30 Day Supply at Retail) Mail Order (90 Day Supply by Mail) OUT OF NETWORK BENEFITS Annual Coinsurance Out of Pocket Maximum In Network Benefits $2,000 individual / $4,000 two person or family Unlimited $100 copay, then covered 100% $15 copay $15 copay $10/$25/$50 $20/$50/$150 $2,000 individual /$4,000 two person or family Member share is 20% after deductible is satisfied $4,000 individual / $8,000 two person or family In Network Benefits None $2,000 individual / $4,000 two person or family Unlimited $0 copay $0 copay $50 copay $150 copay, then covered 100% $250 per admission copay $150 per event copay $250 per admission copay $10/$25/$50 $20/$50/$150 $500 individual / $1,000 two person or family Member share is 20% after deductible is satisfied $4,000 individual / $8,000 two person or family In Network Benefits $2,000 individual / $4,000 two person or family $4,000 individual / $8,000 two person or family Unlimited $0 copay $200 copay then covered 100% $10/$25/$50 $20/$50/$150 $2,000 individual / $4,000 two person or family Member share is 20% after deductible is satisfied $4,000 individual / $8,000 two person or family Note: The Quality Tiered Plan and the Value Plan have the Value Based Pharmacy Design for which there is a $0 copayment for certain medications prescribed to treat certain chronic illnesses. Please visit the Tufts University/Tufts Health Plan custom microsite at for details.

4 Oral Health is Important Tufts University offers a comprehensive dental plan for you and your family members through the Delta Dental Premier USA Plan, which includes the Tufts University School of Dental Medicine Clinic. The table below compares the coverage through the Tufts University School of Dental Medicine Clinic versus a Delta Dental Premier PPO Dentist. To confirm if your dentist is in the network, please visit Delta Dental s website at or call (800) Dental plan costs are not changing for Cost Per Pay Period: Employee Semi monthly: $6.36 individual / $22.78 two person / $27.26 family Employee Weekly: $2.94 individual / $10.51 two person / $12.58 family *The School of Dental Medicine Clinic is a teaching facility with dentistsin training working with experienced dentists. The clinic is located at One Kneeland Street in Boston. Call (617) to learn more or to make an appointment. You may make benefit changes through Employee Self Service (eserve) at hr.tufts.edu/eserve from October 26 through November 13, Please note that all of your benefit elections continue from year to year except the Flexible Spending Accounts which require an active annual election. WHERE do I learn more? There is more detailed information regarding your 2016 Open Enrollment benefits in a brochure called Your Benefits Guide, which is available at hr.tufts.edu/benefits. If you do not have computer access, contact Tufts Support Services (TSS) at (617) for a paper Open Enrollment election form.

5 Your Health is Important: Wellness Center and Health Coaching Services Tufts University is committed to supporting the health and well being of our faculty and staff. We view wellness as a core component of the employee benefits package. The Wellness Center, located on the Medford campus, is operated by Marathon Health, one of the nation s leading providers of worksite healthcare. Services are offered to employees, their spouses or qualified domestic partners and include care for common illnesses, routine physical exams, and onsite lab for services such as blood draws and testing for strep or flu. In addition, the Wellness Center Health Coaching services are provided on all three campuses. These services address lifestyle issues such as stress, nutrition, smoking, and physical activity. Additionally, the Wellness Center also provides disease management coaching for chronic conditions such as diabetes, high blood pressure, high cholesterol, and asthma. Wellness Center services are provided at no cost to you. You have the option of receiving care at the Wellness Center, continuing to see your primary care provider, or combining both in the manner that is most convenient and effective for you. Please call (617) to learn more, meet the Wellness Center Clinical Staff, or make an appointment! Employee Assistance Program (EAP) and On site Service Tufts University provides an Employee Assistance Program for all employees and their families. The purpose of the EAP is to offer help to those experiencing life changes and personal stress such as relationships, caring for an elder parent, financial difficulties, and problems caused by alcohol or drug abuse. For the convenience of our employees, there are licensed counselors available on all three campuses throughout the week. Please call the EAP at (800) for assistance or to schedule an appointment. Need Assistance with health or health insurance issues? NEW! Health Advocate is Available 24/7/365 Health Advocate, a new and important benefit resource, will be available to our employees and their eligible family members. Health Advocate is designed to help handle healthcare and insurance related issues by cutting through the red tape and barriers that so often create frustration and problems. With Health Advocate, you will have access to a Personal Health Advocate, typically a registered nurse, supported by medical directors and benefits and claims specialists. You will have the confidence in knowing that the entire Health Advocate team is working on your behalf to help you and represent your needs. Here is just a sample of the many services you will now have available to you with Health Advocate: Help finding the right doctors and hospitals Help obtaining services for your elderly parents and parents in law Help scheduling appointments, especially with hard to reach specialists Help when faced with serious illness or injury Help securing second opinions Help obtaining cost estimates for procedures Help with insurance claims and billing issues

6 Vendor Contact Information Vendor Phone Number Website All One Health (EAP) (800) Best Doctors (866) Care.com / Backup Care (855) Crosby Benefit Systems (800) Delta Dental (800) EyeMed Vision Care (866) Fidelity Investments (800) Health Advocate (866) MetLaw (Hyatt Legal Plans) (800) Prudential Insurance Co. of America Life Claims: (800) Disability Claims: (800) TIAA CREF (800) cref.org Tufts Health Plan (844) Tufts Support Services (617) Wellness Center (617) health.com/ Benefit Fairs and Flu Vaccination Clinics Reminder Don t miss the chance to learn about all of your employee benefits, including the new Health Advocate benefit. Employees will have the opportunity to speak to representatives from the companies who provide health and wellness services to the university. In addition, flu vaccinations will be provided free of charge for all employees during the Benefit Fairs as noted below: BOSTON CAMPUS Tuesday, October 27, :00 a.m. 2:00 p.m. ALUMNI LOUNGE (15 th Floor) Dental Building 1 Kneeland Street Boston, MA GRAFTON CAMPUS Wednesday, October 28, :00 a.m. 1:00 p.m. KOHNSTAMM CONFERENCE ROOM Jean Mayer Administration Building 201 Westboro Road N. Grafton, MA MEDFORD CAMPUS Thursday, October 29, :00 a.m. 3:00 p.m. GANTCHER TRACK AND THE WELLNESS CENTER Steve Tisch Sports and Fitness Center 161 College Avenue Medford, MA Chair massages, blood pressure and glucose checks, flu vaccinations, oral cancer screenings, gait analysis, comprehensive health review registration, raffle prizes and more!