2019 Open Enrollment. Presented by Araceli Cosio, Filice Insurance

Transcription

1 2019 Open Enrollment Presented by Araceli Cosio, Filice Insurance

2 Introduction Open Enrollment is your annual opportunity to make benefit election changes without a qualifying event. During open enrollment you can: Enroll in benefits, even if you had previously waived Change to a different medical plan Add or remove your eligible dependents from coverage Enroll or re-enroll in health care or dependent care Flexible Spending Accounts (FSA) Important Dates: Open Enrollment begins on Monday November 12 th Open Enrollment ends on Monday November 26 th at midnight Benefit changes made during Open Enrollment will be effective January 1 st

3 New in 2019 We are pleased to announce a new Fertility benefit offering. It is a reimbursement plan through Navia Benefit Solutions. We ve expanded our dental benefits to include coverage for implants. Hortonworks will continue to pay 100% of the healthcare premiums (medical, dental, vision) for you and all covered dependents Voluntary Life Insurance increases are allowed but subject to approval All UHC members will receive new ID cards No change to UHC, Kaiser, Vision or Life and Disability plans

4 Get to know your benefits. Select Plus PPO

5 UHC Select Plus PPO Plan Services Provided In Network: Out Of Network*: Annual Hospital Deductible $250 Individual / $500 Family $300 Individual / $600 Family Annual Out-of-Pocket Limit $2,000 Individual / $4,000 Family $2,000 Individual / $4,000 Family Physician Office Visit (PCP / Specialist) $15 copay 20% after ded. Lab and X-ray $0 20% after ded. Outpatient Surgery $0 20% after ded. Emergency Room $75 copay $75 copay Prescription Drugs Tier 1 / Tier 2 / Tier 3 $10 / $25 / $45 In-Network copay plus any amount over allowed amount *Out-of-Network claims are reimbursed at the Maximum Allowed amount. Refer to plan summary for details

6 UHC Mobile App Get your health plan information on the go. With the UnitedHealthcare Health4Me app, employees can access their medical benefits and coverage information from a mobile device anywhere, anytime. Manage and pay claims. Estimate and compare procedure costs. Find care and directions. View and share health plan ID card. 1.2 Million Users* visiting over 7 million times. Search pharmacies, drug pricing and mail orders.

7 Locating Network Providers Verify that your current providers are in the new network The UnitedHealthcare network covers 99% of the U.S. population and is available in 96% of all U.S. counties You can see any network doctor you want You do not need referrals to see specialists For the lowest out of pocket expenses, ensure your doctors, local hospitals and urgent care centers are part of the network. Search for a network doctor or hospital at Network name: Select Plus Search by: Name or specialty Procedure Gender Location Languages spoken Call the number on the back of your health plan ID card for help from mynurseline or Customer Care

8 UHC Virtual Visits See a doctor anywhere, anytime. $15 copay. Virtual Visits. Get access to care online, at any time. When you don t feel well or your child is sick, the last thing you want to do is leave the comfort of home to sit in a waiting room. Now, you don t have to. A Virtual Visit lets you see and talk to a doctor from your mobile device or home computer. For non-emergency care, even prescriptions.

9 Traditional HMO

10 Kaiser HMO Plan* Services Provided Annual Deductible In Network: None Annual Out-of-Pocket Limit $1,500 Individual / $3,000 Family Physician Office Visit (PCP / Specialist) $10 copay Lab and X-ray $0 Outpatient Surgery $10 Emergency Room $50 copay Prescription Drugs Generic / Brand $10 / $20 *Only available to employees who reside in California

11 Kaiser Mobile App

12 Reimbursement Plans

13 Flexible Spending Accounts Account Type Purpose Annual Limits Claims Filing Deadline Healthcare FSA Used to reimburse for out-of-pocket healthcare expenses such as office visit copays, prescription copays, vision expenses and dental expenses $2,700 per calendar year 3/31/2020 For claims incurred through 12/31/2019 Dependent Care FSA Used to reimburse for expenses related to the care of eligible dependents while you and your spouse work, look for work or go to school $5,000 if you are single or married and filing jointly; or $2,500 if you are married filing separately 3/31/2020 For claims incurred through 12/31/2019 Commuter Benefits Used to reimburse for work related parking or mass transit expenses (bus, subway, train, etc.) $265 per month for parking $265 per month for transit N/A Carryover Feature Hortonworks offers the Rollover feature for the Healthcare FSA plan only. Employees may rollover up to $500 of unused FSA funds into the next plan year. Funds eligible for carryover will be available after the claims run-out period (March 31) Notes: per IRS rules, this feature does not apply to the Dependent Care FSA plan.

14 Fertility Reimbursement Plan Reimbursement up to $7,500 per year for eligible expenses not covered by our medical plans Covered expenses include: Artificial Insemination Specimen analysis Embryo transfer Gamete Intrafallopian Transfer (GIFT) Refer to Summary Plan Description for list of covered expenses, exclusions, limitations and claims process.

15 Dental and Vision Plans

16 Dental Benefits Services Provided Basic Services: Fillings, extractions, root canals Major Services: Implants, bridges, single crowns Annual Benefits Maximum excluding Orthodontia In Network: Percentage of Negotiated Fee Out Of Network*: Percentage of Reasonable & Customary (R&C) Covered at 100% Covered at 90% Covered at 70% Covered at 60% $2,000 per Person $2,000 per Person Orthodontia Covered at 50% Covered at 50% Highlights Preventive Care covered at 100% $50 deductible (waived for preventive services) Implants covered under Major Services Orthodontia Lifetime Benefits Maximum $2,000 per Person $2,000 per Person Rollover feature! *Out of Network benefits are based on the 90 th percentage of Reasonable & Customary charges

17 Dental Rollover Feature How it Works Guardian rolls over a portion of your unused annual maximum into your personal Maximum Rollover Account (MRA). To qualify you must have 1 visit with a paid claim and must not have exceeded the paid claims threshold during the benefit year. Your MRA may not exceed the MRA limit. Plan Annual Maximum Threshold Maximum Rollover Amount In-Network Only Rollover Amount Maximum Rollover Account Limit $2,000 $800 $400 $600 $1,500 Maximum Claims Reimbursement Claims amount that determines rollover eligibility Additional dollars added to Plan Annual Maximum for future years Additional dollars added to Plan Annual Maximum if only innetwork providers were used Plan Annual Maximum plus Maximum Rollover cannot exceed $3,500 in total

18 Dental Rollover Feature There are 600 Hortonworks Employees and Dependents with additional rollover dollars Visit to view your Maximum Rollover Account!

19 Vision Benefits No change to benefits In-Network Vision Benefits VSP Signature Network Exams & Lenses every 12 months Frames every 24 months Exam Copay $20 Lens (Single Vision, Bifocal, Trifocal) Covered at 100% Frame Allowance $120 (20% discount on balance) Contacts (in lieu of glasses) $120 allowance

20 Life and Disability Plans

21 Life Insurance Hortonworks pays for group life insurance in the amount of 1x your annual compensation up to $300,000. Additional life insurance can be purchased through the voluntary plan. During Open Enrollment you can enroll or increase your voluntary life insurance, this amount will need to be approved by our insurance carrier, Mutual of Omaha. You must complete an Evidence of Insurability Form, this form is available online at mutualofomaha.com/eoi

22 Disability Benefits Short Term Disability Employer Paid Weekly Benefit 60% of weekly earnings to a maximum of $3,500 Elimination Period Duration Benefits begin on 8 th day 12 weeks Long Term Disability Employer Paid Monthly Benefit 60% of monthly earnings to a maximum of $15,000 Elimination Period Duration Benefits begin after 90 days of disability Social Security Normal Retirement Age or Reducing Benefit Duration

23 Employee Action Items Open enrollment ends on Monday November 26 th In most cases, no action will be required. Current Health care and Dependent care FSA elections will expire. If you would like to participate in the FSA plan in 2019 you must re-enroll. If you do not want to make any changes, your current medical, dental, vision and voluntary life and AD&D elections will continue into All changes must be completed in Fusion. Update your address and life insurance beneficiaries

24 Employee Benefits Website Visit the Hortonworks employee benefits website to view detailed plan descriptions and plan documents You may direct your questions to the Filice Service Team at: or To your Hortonworks HR Team at: IMPORTANT: All official documents relating to the Hortonworks Employee Benefits Program, including the Evidence of Coverage (EOC) booklets, HIPAA Privacy Notice, Medicare Part D Notice and any other relevant Plan Documents or Notices, are available electronically through the benefits website. You may also receive a paper copy of any of the documents by contacting HR