2011 Open Enrollment
|
|
- Dayna Kennedy
- 8 years ago
- Views:
Transcription
1 2011 Open Enrollment TO: USI Faculty and Staff FROM: Brandyn Smith Benefits Manager DATE: October 26, 2010 RE: 2011 Open Enrollment Kick-off and Benefits Informational Fair During the Open Enrollment period you have the opportunity to evaluate your health insurance needs and make changes in your health plan coverage for the next plan year Open Enrollment will be October 26, 2010, to November 16 th, 2010.* At this time you may: Apply for health insurance coverage. Change your current health insurance coverage. NOTE: If you are in the Anthem Blue Access 1000 Plan, you will automatically be enrolled in the plan which replaces it (Lumenos CDHP/HSA) unless you enroll in another plan by filling out a form. Add dependents to your health insurance coverage. Drop dependents from your health insurance coverage. Enroll in the flexible benefit plan. Note: You must enroll in this plan annually. Enroll in, drop or change coverage in the voluntary supplemental life insurance program Enroll in the new optional vision plan with a new insurer. Note: If you currently have vision coverage, we will automatically enroll you for the same coverage with the new carrier unless you sign a form to opt out or change your coverage level. Enroll in the new voluntary short-term disability plan for partial income replacement when you have a disability. Note: You must enroll if you want this new benefit. Learn about and act on changes related to health reform including the option of covering dependents to age 26, the elimination of pre-existing condition exclusions for dependents up to age 19, and the elimination of lifetime maximums. In 2011, the University will offer four healthcare plans: Anthem Blue Access 300 Buy-Up Plan; Anthem Blue Access 500 Core Plan; a new Consumer-driven High Deductible Health plan (CDHP) with a Health Savings account (HSA) called Lumenos CDHP/HSA (which replaces the Anthem Blue Access 1000 High Deductible Plan); and Welborn HMO. Each of these options includes prescription drug coverage through the medical provider and dental coverage through Health Resources, Inc. (HRI). Attached is an Insurance Comparison Overview sheet for you to compare the benefits of the different health plans. It is very important that you take time to review the enclosed information closely as you make your health care choices for 2011, especially with regard to the New Benefit Offerings: Anthem Lumenos Consumer-Driven High Deductible Health Plan (CDHP) with Health Savings Account (HSA) Vision provider change from United Healthcare/Spectera to Anthem Voluntary Short-term Disability from The Standard
2 This year, to provide you with information on the new benefit offerings, we are creating an enhanced Human Resources website that contains additional information regarding all your benefits. Watch for the announcement of the new web page availability. Also, we are holding individual informational meetings this week on October 26, 27 and 28. Please feel free to attend as many sessions as you like. Please register for a meeting at or call (ext. 1989) to register. OPEN ENROLLMENT INFORMATION As always, the Open Enrollment Benefits Informational Fair will have representatives from Anthem Insurance Companies, Inc. (medical/rx), Welborn Health Plans (medical/rx), Health Resources, Inc. (dental), The Nyhart Company (flexible benefit plans),the Standard Insurance (short-term disability), Deaconess CONCERN Employee Assistance Program (EAP) with new Work- Life resources, TIAA CREF (retirement savings), PERF (retirement savings), and Prudential (Basic Life, AD&D & Supplemental Life Insurance) who will be available to discuss benefit options and decisions with you. The fair will be held on: Friday, November 5, :00 a.m. to 3:30 p.m. Carter Hall A benefit meeting for employees is also scheduled for Tuesday, November 9, at 10:00 p.m. in Human Resources Training Room, FA 164. If you are unable to attend the Open Enrollment Benefits Informational Fair, but are interested in talking with someone about your benefit coverage, please contact Amy Miller at or ajmiller3@usi.edu; Connie Schnarre at or csschnarre@usi.edu; or Brandyn Smith at or brsmith@usi.edu. If you are a current participant in one of the Anthem plans or the Welborn HMO, you may change your coverage without providing evidence of insurability. If you previously waived coverage for yourself and/or your dependents, Anthem requires submission of a Certificate of Health Coverage to waive the pre-existing condition waiting period. Enrollment forms will be available at the Open Enrollment Kick-Off and Benefits Informational Fair on November 5, 2010, or may be obtained from the Human Resources Department in the Wright Administration Building, Room FA 166. Open Enrollment will be your only opportunity to elect or change your medical, dental, vision, or related Section 125 Flexible Benefit Plan coverage elections and/or enroll or drop dependents or your own coverage on these plans for the 2011 calendar year. You may only make changes outside of the open enrollment period if you have a qualified family status change and notify the Human Resources benefit staff of that change within 30 days of the change. Enrollment forms must be completed by November 16, 2010,* to ensure coverage effective January 1, Your current health insurance coverage will be continued unless you complete a form to change your coverage. If you are in Anthem Blue Access 1000 plan, you will be automatically enrolled in the Lumenos CDHP/HSA plan unless you complete paperwork to waive coverage or to enroll in a different health plan. The 2011 insurance rates and open enrollment information for health and dental insurance coverage, the flexible benefit plan, the voluntary group term life insurance plan, and the optional vision insurance plan are included with this enrollment package.
3 IMPORTANT NOTE: Benefits under the USI benefit plan(s) are provided pursuant to insurance contracts between USI and the insurance companies. If the terms of this enrollment document conflict with the terms of the insurance contract, the terms of the insurance contract will control, unless superseded by applicable law. PLEASE READ THIS IMPORTANT INFORMATION. OPEN ENROLLMENT WILL TAKE PLACE TUESDAY, OCTOBER 26, 2010, THROUGH TUESDAY, NOVEMBER 16, 2010.* HEALTH and DENTAL INSURANCE PLAN INFORMATION Attached is an Insurance Comparison Overview sheet that will allow you to compare the benefits of the different health plans briefly summarized below. ANTHEM BLUE ACCESS 300 BUY-UP PLAN Prescription Drug (Rx) Co-payments Only Plan Design Change for 2011 In-network deductible $300 individual and $600 family Non-network deductible $600 individual and $1,200 family In network out-of-pocket maximum $1,500 individual and $3,000 family Non network out-of-pocket maximum $3,000 individual and $6,000 family In-network co-insurance 80%/20% and non-network co-insurance 60%/40% Generic Rx co-payments are lowered. A fourth tier is added for high cost specialty drugs. Rx retail co-payments $10/24/40/70 / mail order co-payments $20/48/80/140 (90 day supply) ANTHEM BLUE ACCESS 500 CORE PLAN Prescription Drug (Rx) Co-payments Only Plan Design Change for 2011 In-network deductible $500 individual and $1,000 family Non-network deductible $1,000 individual and $2,000 family In-network out-of-pocket maximum $2,500 individual and $5,000 family Non-network out-of-pocket maximum $5,000 individual and $10,000 family In-network co-insurance 80%/20% and non-network co-insurance 60%/40% Generic Rx co-payments are lowered. A fourth tier is added for high cost specialty drugs. Rx retail co-payments $10/40/60/80/ mail order co-payments $20/80/120/160 (90 day supply) New CONSUMER-DRIVEN HIGH DEDUCTIBLE HEALTH PLAN WITH HEALTH SAVINGS ACCOUNT (CDHP/HSA) replaces the ANTHEM BLUE ACCESS 1000 HIGH DEDUCTIBLE PLAN beginning January 1, 2011 This plan offers 100% preventative care coverage Deductible $1,500 for single coverage and $3,000 for any level of family coverage (employee plus child; employee-spouse or family) in-network and out-of-network combined for this non-embedded deductible Out-of-pocket maximum $3,000 for single coverage and $6,000 for any level of family coverage (employee plus child; employee-spouse, or family); $6,000 for single coverage and $12,000 for any level of family coverage out-of-network Co-insurance after deductible, 90%/10% co-insurance in-network or 70%/30% coinsurance non-network, until maximum out-of-pocket is reached Prescription drugs subject to deductible and co-insurance: in-network Rx retail and mail order co-insurance is 10% after deductible; non-network Rx retail & mail order coinsurance is 30% after deductible Enhanced wellness incentives with rewards include: health risk assessments, MyHealth Coach, Healthy Lifestyles, ComplexCare, and Comprehensive Medical Management On-line consumer tools, including comparative prescription drug shopping
4 A Health Savings Account (HSA) that allows both employer and employee to make tax-free contributions for use toward qualified healthcare expenses in 2011 and beyond University Contributions to your HSA as follows: o For single members, one-time, new participant funding of $200 and a regular contribution of $500 over the year, for a total of $700 in annual funding in 2011 o For all levels of family membership, one-time, new participant funding of $400 and a regular contribution of $1,000 over the year for a total of $1,400 in annual funding in 2011 o One-time employer contributions are only provided to those participating as of January 1. Newly eligible participants entering after January 1 will receive only prorated annual employer contributions Wellness Initiatives for the Anthem Plans Wellness initiatives will continue with the Anthem Blue Access Plans as steps toward controlling claims expense. These items include: 24/7 NurseLine: Access to a 24/7 NurseLine in which experienced registered nurses provide information concerning general health questions and guidance with critical health issues; Future Moms: Support from trained obstetrical nurses to provide maternity management to help expectant parents have a healthy pregnancy and delivery; ConditionCare: Assistance from registered nurses for members to better manage and improve chronic health conditions; MyHealthAdvantage: Utilizes integrated information systems and data analytics to enhance early detection of potential health issues for participants. MyHealth Advantage provides members and their doctors with information about evidence-based standards that can facilitate better health care choices. WELBORN HMO PLAN No Plan Design Changes for 2011 Must use WHP provider (Deaconess Only); no out-of-network benefits. Deductible $250 individual and $500 family Out-of-pocket maximum $1,500 Individual and $3,000 family In-network co-insurance 80%/20% and non-network co-insurance 60%/40% Rx retail co-payments $15/35/50 / mail order co-payments $30/70/100 (90 day supply) HEALTH REFORM CHANGES IMPLEMENTED FOR 2011 AFFECT ALL USI HEALTH PLANS Dependent child coverage has been extended to age 26. Individuals whose coverage ended, or who were denied coverage (or were not eligible for coverage), because the availability of dependent coverage of children ended before attainment of age 26 are now eligible to enroll in USI s health plans. Individuals may request enrollment for such children for 30 days from the date of this notice. Coverage will be effective January 1, Children will be covered until the end of their birth month in which they turn age 26. No pre-existing conditions for children under age 19 in the Anthem plans; Welborn already has no pre-existing condition exclusions for any members, including children. 100% preventative coverage for all conditions identified as nationally recommended preventative services No lifetime plan maximums or annual limits on essential benefits. The lifetime limit on the dollar value of benefits under USI s Anthem and Welborn health plans no longer applies. Individuals whose coverage ended by reason of reaching a lifetime limit under the plan are eligible to enroll in the plan. Individuals have 30 days from the date of this notice to request enrollment for coverage effective January 1, No referrals required for OB/GYN services for the Welborn plan; Anthem already had a noreferral plan design
5 Emergency services coverage will not require preauthorization, be limited to in-network providers or impose higher cost sharing for out-of-network services in the Welborn plan; Anthem already had this feature. Both Anthem and Welborn will continue to conduct appeals processes for these insured plans; and the insurers will adapt those processes to conform to all requirements of health reform. USI health plans will not retroactively terminate coverage, except in limited situations, such as when the covered individual commits fraud against the plan or makes intentional misrepresentations. When rescission is permitted for other reasons, USI s health plans will provide the required prior notice of 30 days. HEALTH RESOURCES, INC. DENTAL PLAN No Plan Design Changes for % for preventive and 50% for restorative services Must use a Health Resources, Inc., provider Dependent limiting age extended to age 26 to match medical plans. POST RETIREMENT The University and its insured employees continue to contribute to a fund for future retiree health benefits (VEBA Trust) Employees continue to pay 25% or $2.12 for single coverage and $5.50 for all other coverage MONTHLY INSURANCE RATES: Health, Dental and Post-Retirement Blue Access 2010 Monthly Rates Blue Access 300 Buy-Up Blue Access 500 Core Lumenos CDHP/HSA Welborn HMO Employee $ $79.68 $46.54 $ EE + Child(ren) $ $ $83.88 $ EE + Spouse $ $ $ $ Family $ $ $ $ FLEXIBLE BENEFIT SPENDING ACCOUNTS Flexible Benefit Spending Accounts allow you to set aside pre-tax dollars to pay for certain unreimbursed medical and dental expenses, and dependent care expenses. The spending account limit for the un-reimbursed medical and dental expense reimbursement plan remains at $6,000 per year. The dependent care plan remains at the federal maximum allowance of $5,000 per year. Summary plan descriptions are available in the Human Resources Department. For 2011, the IRS ruled that over-the-counter (OTC) drugs are NO LONGER an allowable expense. Some OTC items can be claimed like vitamins and certain medication if you obtain a prescription from your doctor stating these are medically necessary. Please keep this in mind when determining the annual election for Examples of reimbursable medical expenses include eyeglasses, contact lenses, co-payments for doctor s visits, deductibles, and other costs (health, dental, or vision) not covered by co-insurance. A partial list of Eligible Expenses can be obtained at please disregard the over-the-counter items on this list since those will not be eligible in 2011 except for the limited exception described above. Employees may use 2010 funds remaining in their flexible spending accounts at the calendar year end for purchases through March 15, Any remaining 2010 balances not exhausted by March 15, 2011 will be lost. Additionally, employees may use 2011 funds remaining in their flexible spending accounts at the calendar year end for purchases through March 15, The grace period/carry-over of account balances will only apply to un-reimbursed medical and dental expenses. The dependent care flexible spending account must be exhausted within the particular calendar year for which those expenses were elected.
6 Please note that if you enroll in the Lumenos CDHP/HSA you are NOT eligible to participate in the Health Care Flexible Spending Account. Instead, you may defer tax-free funds into your Health Savings Account. CURRENT FLEXIBLE SPENDING ACCOUNT PARTICIPANTS Employees currently enrolled in flexible benefit spending accounts need to complete a new Section 125 Plan Enrollment Form, even if allocation amounts remain unchanged for calendar year These enrollment forms should be completed and returned to the Human Resources Department, FA166, by November 16, Benefit elections for current participants in the Flexible Benefit Premium Only Plan for pre-tax premium contributions will continue, unless you choose to change your election. NEW FLEXIBLE SPENDING ACCOUNT ENROLLEES Employees interested in establishing a Flexible Benefit Spending Account for 2011 will need to complete a Section 125 Plan Enrollment Form. Enrollment forms should be completed and returned to the Human Resources Department, Wright Administration Building, FA166, by November 16, The election form for the flexible benefit plan is attached. A Health Care Expense Reimbursement Worksheet also is attached. This form allows you to estimate the amount of out-of-pocket health care expenses for The election form also can be found on the USI Human Resources Benefits website. Watch for the announcement of our new website coming soon. NEW VOLUNTARY SHORT-TERM DISABILITY (STD) INSURANCE OFFERING Short Term Disability insurance helps provide a partial income replacement for temporarily disabled faculty and staff. From October 26, 2010, through November 16, 2010, you have the opportunity to enroll in this coverage at the employee meetings we are holding or you can enroll online at any time during the enrollment period. This benefit is a supplement to the University s sick pay benefit that will be of special interest to those (like short-service faculty and staff) with limited sick banks. To take full advantage of this plan, you should enroll at this first eligibility opportunity since late enrollees have a reduced benefit during the first 12 months after enrollment. Additional information, including rates, will be available shortly on the Human Resources website. VOLUNTARY GROUP TERM LIFE INSURANCE Voluntary Group Term Life Insurance offers you the option to purchase additional term life insurance at group rates on a payroll deduction basis for yourself, your spouse, and/or dependent children. You may purchase up to $500,000 or eight times annual earnings, whichever is less, for yourself and up to half that amount for your spouse. There are four levels of coverage for dependent children. The life insurance program is offered through Prudential Life Insurance Company. Please note that this insurance plan is strictly voluntary and is offered as a supplement to the University-provided life insurance. An Evidence of Insurability (EOI) form must be completed when applying at any other time than upon hire.
7 OPTIONAL VISION COVERAGE Effective January 1, 2011, Anthem Blue View Vision replaces our current vision plan with United Healthcare/Spectera. This is a stand-alone vision plan that is separate from your medical coverage. There are no significant changes to the plan design in 2011, but the benefits are slightly higher under the Anthem Blue View Vision Plan as compared to United Healthcare/Spectera. Additionally, Anthem s vision plan offers increased network size with retail chain access to top four national chains, eliminates frame restrictions and contact lens formulary, and provides 40% discounts on complete pairs of eyeglasses after funded benefits are used. While the plan allows participant choice of facility/provider in or outside the network, and retail and private practices are both included, there are maximum limitations on reimbursement. The maximum benefit is received by going to a network facility/provider to ensure contracted discounts. You do not have to participate in the University medical insurance plan to enroll in the optional vision plan. VISION INSURANCE MONTHLY RATES Employee $7.42 Employee + Child(ren) $14.08 Employee + Spouse $12.98 Family $21.50 You can access the vision provider network at by selecting Find a Doctor, then View National Vision Provider Directory, and then selecting the plan Blue View Vision. OPEN ENROLLMENT INFORMATION ON-LINE COMING SOON Open enrollment information is attached and can soon be found on the new USI Human Resource Benefits website. Watch for the upcoming website announcement. HUMAN RESOURCES BENEFITS CONTACTS Employees should contact the benefit representatives in the Human Resources Department with any questions concerning the 2011 Open Enrollment. The Human Resources Department is in the Wright Administration Building, Room FA166. Amy Miller ajmiller3@usi.edu Connie Schnarre csschnarre@usi.edu Brandyn Smith brsmith@usi.edu PLEASE REMEMBER THAT ALL OPEN ENROLLMENT FORMS MUST BE COMPLETED AND RECEIVED IN HUMAN RESOURCES NO LATER THAN NOVEMBER 16, 2010,* TO BE EFFECTIVE JANUARY 1, *NOTE: For certain medical changes that require a 30-day open enrollment under health reform regulations, such as the addition of dependents to age 26 and the addition of children up to age 19 with pre-existing conditions, this Open Enrollment is available until November 25, However, such late submissions are not encouraged as they will result in employee inconvenience due to double deductions on biweekly paychecks December 17, 2010, and the risk of delayed availability of insurance cards and insurance coverage confirmation.
8 Attachments: Insurance Comparison Overview Anthem Medical Enrollment Application Anthem Employee Change Form Welborn Enrollment Application/Change Form HRI Enrollment Application The Nyhart Flexible Spending Account Enrollment Form The Nyhart Flexible Spending Account Information Packet Short-term Disability (STD) Online Enrollment Information
Frequently Asked Questions Lumenos HSA Plan
Frequently Asked Questions Lumenos HSA Plan Lumenos HSA Plan Overview The Lumenos HSA plan gives you medical coverage coupled with a health Savings Account (HSA). Henrico County will provide HSA funds
More informationSt. Louis Community College Summary of Insurance Benefits Effective June 1, 2013
St. Louis Community College Summary of Insurance Benefits Effective June 1, 2013 Employees are eligible to enroll on the first day of employment and coverage becomes effective on the date the enrollment
More informationEmployee Benefits. from. I felt rewarded for my efforts. Take Advantage of Competitive Benefits WEALTH ACCUMULATION. 401(k) Plan
day from one I felt rewarded for my efforts. Employee Benefits Take Advantage of Competitive Benefits At Fifth Third Bank, we want to create an environment where you will want to stay and build your career.
More informationWestinghouse Electric Company Benefits Summary
Electric Company Benefits Summary Health and Well Being Financial Protection Retirement Benefits Vacation and Holidays Other Company-Provided Benefits Revised April 2015 MEDICAL BENEFITS Carriers: HEALTH
More informationCopayment: The amount you must pay for each medical visit to a participating doctor or other healthcare provider, usually at this time service.
Basic Terms How to calculate Out of Pocket Costs on a Hospital Stay: If you have a $2000 deductible and 30% coinsurance health insurance plan. If you have a $10,000 emergency room or hospital stay your
More informationTIAA 2015 Benefits AT A GLANCE
TIAA 2015 Benefits AT A GLANCE TIAA is committed to making financial well-being possible for its clients, and the company is equally committed to the well-being of its employees. That s why we offer a
More information2015 BENEFITS. There are important decisions to make. Look inside to learn more.
2015 BENEFITS There are important decisions to make. Look inside to learn more. 1 Welcome to Enable Midstream! This is an exciting time to work at Enable Midstream. We are so glad you are part of our team.
More informationSPD Benefits. October 29th through November 19th, 2014 at Noon EST
SPD Benefits October 29th through November 19th, 2014 at Noon EST 2015 Overview What stays the same in 2015? No plan design changes for Dental and Vision. No premium changes for Dental and Vision. No changes
More informationRetirement: - NC Local Government Retirement System - All benefits eligible employees make a mandatory 6% contribution every pay period.
General Employee Benefits are offered to employees working at least 30 hours per week. Health Insurance - Coverage becomes effective the first day of the month following 60 days of employment. Both you
More informationU.S. Employees. Supporting You and Your Family Employee Benefits. Overview 2015
U.S. Employees Supporting You and Your Family Employee Benefits Overview 2015 Welcome to AECOM where you ll have the opportunity to work with some of the best and brightest minds in our industry. Your
More informationFULL-TIME FACULTY BENEFITS OVERVIEW 2014-15
FULL-TIME FACULTY BENEFITS OVERVIEW 2014-15 This document is designed to provide a brief overview of the benefits offered to full-time faculty members at Augustana College. Full-time faculty teach 21 or
More informationM&T Bank offers a CDHP that combines traditional medical coverage with a health savings account feature that provides certain tax benefits.
Benefits Overview M&T Bank understands how important benefits are to you and your family. The benefit plans are designed to meet the varying benefit needs of each employee. Since benefits are a significant
More informationThe Benefits of Bb BE @ BLACKBOARD
The Benefits of Bb www.blackboard.com/careers BE @ BLACKBOARD The passion for education and the drive to make a difference are at the core of what makes Blackboard a great place to work. Blackboard fosters
More informationA Guide to Using your Consumer-Directed Health Plan (CDHP)
A Guide to Using your Consumer-Directed Health Plan (CDHP) and Health Savings Account (HSA) A Guide to Using Your At The Hartford, we offer competitive benefits and programs to help you live well and coverage
More informationElecting Pre-tax Dollars To Pay For Your Health Care Expenses
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
More informationConsumer Choice Plan, Health Savings Account and Health Care Flexible Spending Account Frequently Asked Questions
Consumer Choice Plan, Health Savings Account and Health Care Flexible Spending Account Frequently Asked Questions Information on how the plan and the accounts work The Consumer Choice Plan 1. How is the
More informationOVERVIEW OF 2015 TEAMMATE BENEFITS PACKAGE
Page 1 CHS LiveWELL Health Plan OVERVIEW OF 2015 TEAMMATE BENEFITS PACKAGE CHOICE 30 with HEALTH SAVINGS ACCOUNT Eligibility: 24 or more standard hours per week The Choice 30 health plan offers you control
More informationCHI Franciscan Health revised as of 1/1/15 CHI. Benefits at a Glance. Healthy CHI SPIRIT. Physical and financial health and wellness
CHI Franciscan Health revised as of 1/1/15 CHI Benefits at a Glance CHI Healthy SPIRIT Physical and financial health and wellness SM Our mission to create healthier communities extends to our own workplace.
More informationEmployee Benefits Summary. Plan Year 2014/15
Employee Benefits Summary Plan Year 2014/15 WELCOME -3- Mount Ida College offers a competitive benefits package to all eligible faculty and staff. The following is a summary of the benefit plans offered.
More informationHealth Insurance Overview
Spotsylvania County Open Enrollment August 10 to 28, 2015 Plan Year: October 1, 2015 to September 30, 2016 Health Insurance Overview All Full Time employees are eligible to participate in the County Health
More informationMedicare. What you need to know. Choose the plan that s right for you GNHH2ZTHH_15
Medicare What you need to know Choose the plan that s right for you GNHH2ZTHH_15 Choosing a Medicare plan is a lot like buying a car. There are lots of options to consider. And what s right for you may
More informationTHE EMERITI PROGRAM for those planning for retirement
2014 Benefits THE EMERITI PROGRAM for those planning for retirement Medicare and Emeriti s Health Insurance and Reimbursement Benefit This presentation is copyrighted exclusively by Emeriti 1 Your Institution
More informationInsurance & Perks Transcript
Slide1. Slide2. Slide3. Slide4. Slide5. Slide6. Slide7. Slide8. Slide9. Slide10. Slide11. Welcome to Florida State University. This is an overview of the Insurance options and additional perks available
More informationInsurance and Perks 1
Insurance and Perks 1 People First Responsibilities include, but are not limited to: Process Enrollments of State Benefits Process Qualifying Status Changes (QSC) Verification of dependent eligibility
More information2015 Summary of Healthcare Plan Changes
2015 Summary of Healthcare Plan Changes Change Plan names the OA POS plan becomes the Comprehensive Care Plan and the HSA OA POS plan becomes the Consumer Choice HSA plan Comprehensive Care Plan Increase
More information2014 Medical Plans. Health Net Blue & Gold HMO Kaiser HMO UC Care Blue Shield Health Savings Plan Core
2014 Medical Plans Health Net Blue & Gold HMO Kaiser HMO UC Care Blue Shield Health Savings Plan Core UC Care PPO Blue Shield of California claims administrator & network UC Select Providers Customized
More informationCHI Mercy Medical Center revised as of 1/1/15 CHI. Benefits at a Glance. Healthy CHI SPIRIT. Physical and financial health and wellness
CHI Mercy Medical Center revised as of 1/1/15 CHI Benefits at a Glance CHI Healthy SPIRIT Physical and financial health and wellness SM Our mission to create healthier communities extends to our own workplace.
More informationBenefits Summary. For Regular Employees 20 or more hours per week.
2013 Benefits Summary Argonne National Laboratory is a U.S. Department of Energy laboratory managed by UChicago Argonne, LLC For Regular Employees 20 or more hours per week. TABLE OF CONTENTS Benefit Eligibility
More informationSummary of Employee Benefits for 2015
Summary of Employee Benefits for 2015 Health Insurance: Anthem Blue Cross Blue Shield of Colorado Effective Date: 1st day of month following employment There are no pre-existing illness exclusions beginning
More information2016 Open Enrollment: November 2 20
2016 Open Enrollment: November 2 20 Important Dates Monday, November 2: Open Enrollment Begins Friday, November 13: Benefits Fair, Administrative Campus Center Friday, November 20: Last Day of Open Enrollment
More informationSummary of Employee Benefits Full-time Regular Employees
Tooele City s Benefit Package It s About Your Health Your Lifestyle and Your Future! Summary of Employee Benefits Full-time Regular Employees Your benefit package is a large component of your total compensation
More informationTIAA 2016 Benefits AT A GLANCE
TIAA 2016 Benefits AT A GLANCE TIAA is committed to making financial well-being possible for its clients, and the company is equally committed to the well-being of its employees. That s why we offer a
More information2015 Benefits at a Glance PART-TIME EMPLOYEES
2015 Benefits at a Glance Important Note CNA Benefits at a Glance provides highlights of the employee benefit programs available to you as a CNA employee. Neither this document nor Company policies and
More informationYour Fermilab Benefit Plans. Ann Marie Matthei 2015 New Hire Orientation
Your Fermilab Benefit Plans Ann Marie Matthei 2015 New Hire Orientation Your Fermilab Benefits Medical and Prescription Drug Coverage Dental Plans Medical and Dental Plan Rates Additional Programs from
More informationCornerstone Benefits Highlights. MEDICAL DENTAL VISION and MORE
Cornerstone Benefits Highlights 015 MEDICAL DENTAL VISION and MORE Welcome to Your 2015 Cornerstone Benefit Guide Your Benefits Package As a Cornerstone employee, you are eligible for a number of great
More informationAnnual Enrollment 2013. Plan Design and Rates
Annual Enrollment 2013 Plan Design and Rates Today s Meeting Enrollment Dates and Assistance What s New for 2013? Medical Plans Flexible Spending Accounts Dental Plans Vision Plan Disability Life Insurance
More informationPenn State Flexible Spending Account (FSA) Benefits
Penn State Flexible Spending Account (FSA) Benefits Eligibility and Enrollment Deadlines All regular, full-time faculty and staff members of the University are eligible to participate in the following
More informationEmployee Benefit Summary
National Heritage Academies offers exceptional benefits as part of a Total Rewards package designed to meet the specific needs of educators. We are committed to the over 43,000 students we serve and to
More informationBENEFITS OPEN ENROLLMENT 2016 YOUR HEALTH & WELLNESS STARTS WITH YOU
zz BENEFITS OPEN ENROLLMENT 2016 YOUR HEALTH & WELLNESS STARTS WITH YOU MESSAGE FROM THE PRESIDENT/CEO NABIL EL SANADI, MD, MBA, FACEP, FACHE LET S INVEST, HEALTH IS YOUR FIRST WEALTH! We are excited to
More informationEmploy Benefits 2015
Employ Benefits 2015 Employ Benefits As a health care organization, we understand the importance of personal wellness. In fact, the richness and diversity of our benefits helped us become Modern Healthcare
More informationFrom Community Unit School District 303
From Community Unit School District 303 Medical Plan Options for 2016 D303 and your Insurance Committee are pleased to offer exciting new benefit options for 2016. District 303 (D303) will offer only three
More information2014 BENEFITS HIGHLIGHTS
2014 BENEFITS HIGHLIGHTS Your Life. Live Well. At Allergan, benefits are designed to support your health and your retirement goals, and to protect your income and the welfare of your family. In combination,
More informationManaging Your Benefits At
Managing Your Benefits At What You Will Learn Today! How the State plan is structured? Your Benefit Options at Retirement What are the Optional Benefits? What forms should be filled out? Summary How The
More informationCaring for those who Care. A Look at the 2015 Benefits and Rewards of Being an HCR ManorCare Employee
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.
More informationEMPLOYEE BENEFITS OVERVIEW
EMPLOYEE BENEFITS OVERVIEW 2 0 15 You are eligible to participate on the date you become an employee regularly scheduled to work at least 30 hours per week. If any of the information in this summary differs
More informationTHE EMERITI PROGRAM in your retirement years
2014 Benefits THE EMERITI PROGRAM in your retirement years Helping you achieve healthcare security in retirement This presentation is copyrighted exclusively by Emeriti 1 2 TODAY S AGENDA What s new in
More informationTake the Wheel Benefits for the Road Ahead
Take the Wheel Benefits for the Road Ahead Ithaca Hourly Benefis Highlights 2015 Welcome Center. It s time again to Take the Wheel as you head out on your benefits enrollment journey. BorgWarner s annual
More informationPEACE-OF-MIND IN RETIREMENT. Income Security + Healthcare Security = Retirement Readiness
PEACE-OF-MIND IN RETIREMENT Income Security + Healthcare Security = Retirement Readiness 1 What s New In 2015 The Traditional Choice Plan will be discontinued A new, significantly enhanced Medicare Advantage
More informationAfter SERIP Health Insurance Options
After SERIP Health Insurance Options 03/2015 SERIP The SERIP contribution continues for five years through the end of the month in which you retired in 2010 Example You retired on May 7, 2010. The state
More informationGEHA 2014. Health Savings AdvantageSM High-deductible health plan with a health savings account (HSA) (800) 821-6136 geha.com
GEHA 2014 Health Savings AdvantageSM High-deductible health plan with a health savings account (HSA) (800) 821-6136 geha.com CODE Self Only 341 Self + Family 342 Enrollment checklist 1. Research health
More informationBenefit Program Summary
Benefit Program Summary The Cleveland Clinic is comprised of ten of Northeast Ohio s most prestigious hospitals and offers its employees career opportunities in state-of-the-art facilities that cover the
More informationTier II: Providers and HPN/Geisinger. After Deductible 80% - Ancillary Services (x-rays, labs) (of Professional Allowance) After Deductible
Health Insurance Third-Party Administrator: Geisinger Health Plan Coverage: *Begins the first month after benefit eligibility Deductibles *Dependent children covered to age 26 Annual, calendar year deductibles
More information2015 HSA Plan Quick Guide
2015 HSA Plan Quick Guide The HSA Plan consists of two parts that work together to give you more control over how you receive and pay for medical care and services, both now and in the future: the Health
More informationIn-Network Benefits. NationalOne 2600/5200 HDHP- HSA. NationalOne 200-25. Available to: Deductible. Medical Out-of-pocket Maximum
2 In-Network Benefits Available to: Deductible Medical Out-of-pocket Maximum NationalOne 200-25 ALL Units $200 individual $600 family $500 individual $1,000 family NationalOne 2600/5200 HDHP- HSA Clerical,
More informationYour 2015 Annual Enrollment Guide. Annual Enrollment is Oct. 27 to Nov. 14, 2014
Your 2015 Annual Enrollment Guide Annual Enrollment is Oct. 27 to Nov. 14, 2014 2 YOUR 2015 ANNUAL ENROLLMENT Intel goes green for Annual Enrollment This PDF is interactive. Download to your local system
More informationHealth Savings Accounts & High Deductible Health Plans
Health Savings Accounts & High Deductible Health Plans Definitions Consumer Driven Health Plan ( CDHP ) A health insurance plan designed to give you more control over your health care spending. CDHPs incorporate
More information2016 Annual Enrollment Guide
2016 Annual Enrollment Guide FOR NEW MEXICO EMPLOYEES Choose benefits to power your best life. Annual Enrollment is October 26 to November 13, 2015 Changes effective January 1, 2016 JUMP TO COMPARISON
More informationFrequently Asked Questions. High Deductible Health Plan (HDHP) with Health Savings Account (HSA)
Frequently Asked Questions High Deductible Health Plan (HDHP) with Health Savings Account (HSA) There are two components to the High Deductible Health Plan (HDHP) with HSA Medical Plan the HDHP Health
More informationWhat s Changing for 2016
What s Changing for 2016 For eligible employees on International Assignment (Inpatriates/Expatriates) Other Future Benefit Changes Other benefits information, including details about future changes to
More information2015 RETIREE BENEFITS BULLETIN
BENEFITS BULLETIN 2015 RETIREE BENEFITS BULLETIN This bulletin describes benefit changes and coverage provisions effective Jan. 1, 2015. This bulletin updates the complete summary of coverage described
More informationOpen Enrollment. and Summary of Material Modifications. prepared for
2016 Open Enrollment and Summary of Material Modifications prepared for Medical/Vision, Dental, Disability, Life/AD&D, Flexible Spending Accounts, Employee Assistance Program 2016 Open Enrollment and Summary
More informationNew Employee Benefits Orientation
WELCOME New Employee Benefits Orientation 2015 Plan Year INTRODUCTION This benefits orientation provides an overview of the benefit and retirement plans available to benefits-eligible employees of The
More informationZurich North America Total Rewards (U.S.) Summary information
Zurich North America Total Rewards (U.S.) Summary information Zurich North America Total Rewards (U.S.) Summary Founded in Switzerland in 1872, Zurich is one of the world s most experienced insurers. Our
More informationInsurance Benefits For Employees C H E S T E R F I E L D C O U N T Y P U B L I C S C H O O L S
CCPS Insurance Benefits For Employees 2015 C H E S T E R F I E L D C O U N T Y P U B L I C S C H O O L S CHESTERFIELD COUNTY PUBLIC SCHOOLS BENEFITS DEPARTMENT Enrollment or Changes in Coverage 748-1226,
More informationMUNICIPALITY OF ANCHORAGE. Benefit and Retirement Plans For 2012
MUNICIPALITY OF ANCHORAGE Benefit and Retirement Plans For 2012 Table of Contents 2012 Health Plan Summary... 3 Opt-out Program FAQs... 4 2012 Premium Rate Table... 5 Benefits:... 6 Retirement:... 8 MOA
More information2015 BRIEF BENEFITS SUMMARY FOR FULL-TIME EMPLOYEES
2015 BRIEF BENEFITS SUMMARY FOR FULL-TIME EMPLOYEES Health Insurance, Rx, and Vision We offer two choices for medical insurance. All plans include prescription drug and vision benefits. Dependent children
More informationWelcome to Colliers!
Welcome to Colliers! YOU MUST TAKE ACTION Everyone will need to log in to ColliersBenefits.com to enroll or decline coverage in Colliers benefits by end of day November 20 th. We are pleased to announce,
More informationDuke University Health System Benefits Overview: Non-Exempt 2015
Duke University Health System Benefits Overview: Non-Exempt 2015 We are pleased to provide you with information about your benefits at Duke. Our organization is rich in heritage and is proud of its work.
More informationyour Benefits in Brief
your Benefits in Brief Salaried and Non-Union Non-Exempt Employees of Kaiser Foundation Health Plan, Inc. and Kaiser Foundation Hospitals Northern California Kaiser Permanente is committed to providing
More informationHigh Deductible Health Plan (HDHP) with Health Savings Account (HSA) FREQUENTLY ASKED QUESTIONS
High Deductible Health Plan (HDHP) with Health Savings Account (HSA) FREQUENTLY ASKED QUESTIONS Part I HIGH DEDUCTIBLE HEALTH PLAN (HDHP) Q. What is the HDHP? A. The High Deductible Health Plan (HDHP)
More informationBenefits Highlights. Health Care Disability Benefits Retirement Plans Life & Other Insurance Programs Work & Family and Other GE Benefits.
Benefits Highlights Health Care Disability Benefits Retirement Plans Life & Other Insurance Programs Work & Family and Other GE Benefits HC Option 5 GE Benefits: Adding value beyond your paycheck The Company
More informationYour Total Rewards as Part of the SABIC Family
Your Total Rewards as Part of the SABIC Family Thinking about Joining SABIC? There are many rewards to becoming a member of the SABIC team rewards that go well beyond your paycheck! At SABIC, we pride
More information2016 Annual Enrollment Benefits Snapshot
Farm Credit Foundations 2016 Annual Enrollment Benefits Snapshot Go to FarmCreditFoundations.com to see all 2016 changes including a unique opportunity for some employees to increase their Group Universal
More informationSummary of Benefits 2015
Summary of Benefits 2015 Total Rewards at Idaho Power! At Idaho Power, we strive to provide a total rewards package that is balanced, competitive and sustainable. Our goal is to attract and retain high-quality
More informationBenefit Coverage Chart & Rates
Benefit Coverage Chart & Rates Effective July 1, 2014- June 30, 2015 PPO Medical Coverage by Category The following coverages are included with the PPO plan: o Prescription o Vision Additional Benefits
More informationARCHDIOCESE OF ST. LOUIS. Employee Benefit Plan 2015 2016. Employee Benefits Guide
ARCHDIOCESE OF ST. LOUIS Employee Benefit Plan 2015 2016 Employee Benefits Guide Office of Human Resources Cardinal Rigali Center 20 Archbishop May Drive St. Louis, MO 63119-5004 314.792.7546 314.792.7548
More informationHealth Savings Account HSA Summary
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
More information2014 Open Enrollment Frequently Asked Questions
2014 Open Enrollment Frequently Asked Questions OPEN ENROLLMENT 1 When is the annual open enrollment period? Open enrollment for active and inactive employees, as well as retirees and survivors, is from
More informationIU High Deductible Health Plan Health Savings Account. Get Healthy and Get Ahead with the HDHP PPO Plan
IU High Deductible Health Plan Health Savings Account & Get Healthy and Get Ahead with the HDHP PPO Plan 2014 PLAN 1Plan Advantages Medical Coverage ADVANTAGE The HDHP PPO & HSA has several advantages
More informationEmployee Benefits For State Employees CSEA PEF UUP M/C Presented by: Human Resources Department
Employee Benefits For State Employees CSEA PEF UUP M/C Presented by: Human Resources Department Rev.01/2015 Information provided today is based on current contract provisions and state laws. All benefits
More informationOrange High Deductible Health Plan (HDHP) with Health Savings Account (HSA) HDHP Basics
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
More information2015 Benefits Highlights
FEDERAL RESERVE BANKS www.federalreservebenefits.org 2015 Benefits Highlights What Employee Benefits Do the Federal Reserve Banks Offer?.... 2 Thrift and Retirement Benefits.... 3 Thrift Plan (401(k)
More informationHEALTH CARE DENTAL CARE
UNIVERSITY OF DAYTON MEDICARE SUPPLEMENT PLAN OPEN ENROLLMENT HEALTH CARE DENTAL CARE 2016 Office of Human Resources 300 College Park Dayton, OH 45469-1614 Phone 937-229-2541 Fax 937-229-2009 O65 1 Health
More information2014-15 EMPLOYEE BENEFITS GUIDE
2014-15 EMPLOYEE BENEFITS GUIDE ELIGIBILITY All People 2.0 employees are eligible to enroll in The American Worker program within 30 days of your first pay check. People 2.0 offers a variety of affordable
More information2016 Benefits at a Glance FULL-TIME EMPLOYEES
2016 Benefits at a Glance Important Note CNA Benefits at a Glance provides highlights of the employee benefit programs available to you as a CNA employee. Neither this document nor Company policies and
More informationEmployee Benefits. 2014 Early New Faculty Orientation 1
Employee Benefits 2014 Early New Faculty Orientation 1 Employee Benefits Insurance Retirement Benefits and Perks 2014 Early New Faculty Orientation 2 Employee Benefits People First You have 60 days from
More informationBenefits Highlights. Health Care Disability Benefits Retirement Life & Other Insurance Programs Work & Family and Other GE Benefits
Benefits Highlights Health Care Disability Benefits Retirement Life & Other Insurance Programs Work & Family and Other GE Benefits GE Benefits: Adding value beyond your paycheck The Company offers a wide
More information2016 Retiree Open Enrollment Benefits Briefing Non Medicare
2016 Retiree Open Enrollment Benefits Briefing Non Medicare October 28: Bankhead Theater, Livermore October 29: The Grand Theater, Tracy LLNL-PRES-678554 This work was performed under the auspices of the
More informationINSIDE THIS GUIDE. Please review the Important Notices also enclosed with your enrollment materials. ENROLLMENT PERIOD: OCTOBER 16 30, 2015
ENROLLMENT PERIOD: OCTOBER 16 30, 2015 It s time for 2016 Annual Enrollment. Read the information in this package carefully before making your decisions, and follow the steps below to make sure your enrollment
More information2015 Benefit Open Enrollment
2015 Benefit Open Enrollment Opens: 8:30 a.m. Friday October 31, 2014 Closes: 5:00 p.m. Thursday, November 13, 2014 2015 Benefit Open Enrollment Guide 1 The guide is divided into six parts to help you
More informationHEALTH INSURANCE AGREEMENT January 1, 2015
HEALTH INSURANCE AGREEMENT January 1, 2015 Health Insurance Agreement Between Stanislaus County and the California Nurses Association County Attorneys Association District Attorney Investigators Association
More informationSmall steps to a new you. Inside. 2014/2015 Benefit Enrollment Guide
Small steps to a new you 2014/2015 Benefit Enrollment Guide Inside New this Year - Benefit Changes Wellness Resources Online Tools welcometouhc.com/colorado Thank you for considering UnitedHealthcare We
More informationpreparing for Medicare retirement for Medicare retirees
preparing for Medicare retirement for Medicare retirees 2008 introduction eligibility Healthy Directions for Medicare Retirees is designed for John Deere U.S. Flex retirees* who: Are eligible for Medicare
More informationA PUBLICATION OF THE NEW JERSEY DIVISION OF PENSIONS AND BENEFITS. Tax$ave. State Employees who are Eligible for the State Health Benefits Program
FN-0335-0813 Fact Sheet #44 Tax$ave State Employees who are Eligible for the State Health Benefits Program SPECIAL NOTICE ON PENSION REFORM AND SECTION 125 PLANS Chapter 78, P.L. 2011, the Pension and
More informationEmployee/Faculty Benefit Overview
Employee/Faculty Benefit Overview Alvernia University offers a variety of benefits in addition to regular compensation. These programs are provided to enhance your personal and professional life. You are
More informationCSU, Long Beach Overview of Available Benefits
CSU, Long Beach Overview of Available Benefits Benefits Services 1250 Bellflower Blvd MS 0124 Brotman Hall-358 Long Beach, CA 90840 (562) 985-2381 benefits@csulb.edu 1 Welcome to CSULB The Benefit Summary
More informationConsumer Driven Health Plan (CDHP) with Health Savings Account (HSA)
Consumer Driven Health Plan (CDHP) with Health Savings Account (HSA) Interact with this ebrochure. Here s how. This ebrochure is designed for onscreen viewing, allowing you to navigate through the document
More informationHow to use your Flexible Spending Account-Health Care (FSA-Health Care) and Flexible Spending Account-Dependent Care (FSA-Dependent Care) Accounts
How to use your Flexible Spending Account-Health Care (FSA-Health Care) and Flexible Spending Account-Dependent Care (FSA-Dependent Care) Accounts Overview of the Flexible Spending Account-Health Care
More informationConnecticut State Teachers Retirement Board Health Plan. Administered by Stirling Benefits, Inc 2013
Connecticut State Teachers Retirement Board Health Plan Administered by Stirling Benefits, Inc 2013 1/3 Active 1/3 Retiree 1/3 State of CT TRB subsidies Retirees receive either: Local Board subsidy $110
More informationNovember 11, 2013 through November 22, 2013
Dear Georgia Tech Retiree, Open enrollment is the one opportunity provided each year to make changes to your existing benefit coverage. The 2014 benefit open enrollment period will be held November 11,
More information