Annual Benefits Enrollment (ABE) Period

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Annual Benefits Enrollment (ABE) Period October 2 through October 27, 2017 2018 Annual Benefits Enrollment This presentation will: Introduce ALEX, your Personal Benefits

Opt-Out Incentive Health Savings Accounts (HSA) Employee Reimbursement Accounts Health Care and Dependent Care Flexible Spending Accounts/Parking & Transit Discuss enrollment

1 Annual Benefits Enrollment (ABE) Period October 2 through October 27, Annual Benefits Enrollment This presentation will: Introduce ALEX, your Personal Benefits Counselor Discuss changes to the State Health Insurance Program Address Benefits Changes (Access Plans only) Advise what actions you need to take annually Health Insurance Opt-Out Incentive Health Savings Accounts (HSA) Employee Reimbursement Accounts Health Care and Dependent Care Flexible Spending Accounts/Parking & Transit Discuss enrollment opportunities and changes for: EPIC Benefits + Dental Wisconsin VSP Explain the Annual Increase Option for Individual & Family Group Life Insurance 2 WHAT SHOULD I DO? Prepare Decide Act 1

NEW! Introducing ALEX, your Personalized Benefits Counselor ALEX

about a best-fit medical plan and/or whether to enroll in

Take just a few minutes to visit ALEX at wisconsin.

benefits decisionmaking. You and your family can access ALEX 24/7!

2018 changes & enrollment options Review your current benefit

what you ve learned, make decisions for you and your family.

2 NEW! Introducing ALEX, your Personalized Benefits Counselor ALEX is a new benefits decision tool that can assist you with decisions about a best-fit medical plan and/or whether to enroll in supplemental vision or dental plans. Take just a few minutes to visit ALEX at wisconsin.edu/ohrwd/benefits/alex and get personalized help with your benefits decisionmaking. You and your family can access ALEX 24/7! 4 Prepare Explore the Annual Benefits Enrollment (ABE) website for 2018 changes & enrollment options Review your current benefit enrollments Compare all options available to you 5 Decide Using what you ve learned, make decisions for you and your family. Helpful tools available on ALEX Benefit checklist Health plan selection map Benefit comparisons Premiums elearning 6 2

Act Complete your 2018 elections by October 27, 2017 Self Service (ebenefits) enrollment available to all

Domestic partners and partner s children (who are not also your dependent children) who are currently enrolled

3 Act Complete your 2018 elections by October 27, 2017 Self Service (ebenefits) enrollment available to all employees Benefit Plans and Updates Domestic Partners The Wisconsin Biennial Budget was signed on September 21, It eliminates the Chapter 40 domestic partnership program on the effective date of the bill. Domestic partners and partner s children (who are not also your dependent children) who are currently enrolled in the following plans will lose coverage as of January 1, State Group Health Insurance plan State Group Life Insurance Long Term Care Insurance Supplemental Plans: Dental Wisconsin, EPIC Benefits+, VSP Vision Insurance 9 3

4 Domestic Partners Domestic Partners and or partner s children (who are not also your dependent children) will be offered 36 months of COBRA continuation (conversion coverage for State Group Life). Domestic Partners and or partner s children (who are not also your dependent children) will remain eligible for: Individual & Family Life Insurance; and Accidental Death & Dismemberments. These plans are administered by the UW Board of Regents. 10 Plan State Group Health Health Savings Accounts (HSA) EPIC Benefits + Dental Wisconsin Benefit Changes Allowed Open Enrollment Yes Yes, with HDHP only Yes Change Plans Any health plan Must re enroll annually Add or remove vision Add Dependents Yes Remove Dependents Yes Cancel Coverage Yes, may also Opt Out N/A N/A N/A Yes Yes Yes Yes PPO Select Yes Yes Yes VSP Vision Yes N/A Yes Yes Yes Individual & Family Flexible Spending Accounts (FSA) No Yes Increase coverage only Must re enroll annually No Anytime Anytime N/A N/A N/A 11 State Group Health Insurance State Group Health Insurance Actions during ABE: Enroll in Health Insurance with or without Uniform Dental coverage Change Health Plans Add or remove Uniform Dental from current plan Add or remove eligible dependents Enroll in Health Insurance Opt-Out Incentive Cancel coverage effective January 1,

State Group Health Insurance Member Medical Costs Overview Deductible Member pays for medical costs until they reach their deductible Coinsurance Then, member pays coinsurance amounts while their

State Group Health Insurance and HDHP Cost Sharing Health Insurance Deductible, OOPL and HSA Contribution 2018 Single Family Health Plan / Access Plan Deductible $250 $500 Health Plan / Access Plan

5 State Group Health Insurance Member Medical Costs Overview Deductible Member pays for medical costs until they reach their deductible Coinsurance Then, member pays coinsurance amounts while their insurance covers the remainder of medical costs OOPL/MOOP Insurance covers expenses at 100% after reaching the out-of-pocket limit (OOPL) or if applicable, the federal maximum outof-pocket (MOOP) 13 State Group Health Insurance and HDHP Cost Sharing Health Insurance Deductible, OOPL and HSA Contribution 2018 Single Family Health Plan / Access Plan Deductible $250 $500 Health Plan / Access Plan Out-of-Pocket Limit $1,250 $2,500 HDHP / Access Plan HDHP Deductible $1,500 $3,000 HDHP / Access Plan HDHP Out-of-Pocket Limit (Medical and Rx) $2,500 $5,000 HSA Employer Contribution (HDHP only) $750 $1,500 Copay and Coinsurance Primary Care Physician OfficeVisits Specialist OfficeVisits $15 Copay and 10% Coinsurance $25 Copay and 10% Coinsurance Changes to Access Plans only 14 State Group Health Insurance Plans no longer being offered Anthem Blue Preferred NE Arise Health Plan Health Tradition Health Plan Humana Eastern Humana Western UnitedHealthCare of WI Note: Health Plans decide annually whether or not they wish to participate in the State Group Health Insurance Plan. 15 5

6 State Group Health Insurance Mergers and Name Changes: If you are enrolled in one of these plans, you do not need to take action: Network Health Northeast & Network Health Southeast will become Network Health Gundersen and Unity Community will combine to become Quartz-Community Unity-UW Health will become Quartz-UW Health Physician s Plus will be offered under either Quartz- Community or Quartz-UW Health, based on the subscriber s Primary Care Provider location. Verify that you have been moved to the Quartz plan that you prefer. Action, needed? Maybe. Employees may want to choose a new health plan 16 State Group Health Insurance Carrier Change Access Plan/Access HDHP: The Access Health Plans carrier will change from WPS to WEA Trust Covered services will be modified to be the same as the covered services (Uniform Benefits) for the Health Plan and Health Plan HDHP. In-network out-of-pocket medical costs will be the same as for the Uniform Benefits Health Plan and Health Plan HDHP. Out-of-network coverage will remain at the current level. 17 State Group Health Insurance Plans Available in 2018 Dean Health Insurance Dean Health Insurance- Prevea360 Group Health Cooperative of Eau Claire Group Health Cooperative of South Central Wisconsin HealthPartners Health Plan Medical Associates Health Plan MercyCare Health Plan Network Health Security Health Plan Central and Valley Quartz Community Quartz - UW Health WEA Trust East, Northwest Chippewa Valley and Mayo Clinic Health System Access Plan, Medicare Plus and State Maintenance Plan (SMP) 18 6

7 State Group Health Insurance No Change to employee contributions (except for crafts workers and those working less than 50%) 2018 Premium Tier Employee Contributions for Health Plans Employee Contributions for HDHP Health Plan Single Family Single Family Tier 1 With Dental $88 $219 $33 $82 Without Dental $85 $211 $30 $74 Tier 3 Access Plan With Dental $266 $664 $211 $519 Without Dental $263 $646 $208 $519 For a full listing of the State Group Health Insurance Employee Premiums go to: 19 State Group Health Insurance Tier 2 premiums only apply if you are required to work outside of Wisconsin and elect the Access Plan. No change to employee contributions 2018 Premium Employees Covered by the Health Plans Employees Covered by the HDHP Health Plan Single Family Single Family Tier 2 With Dental $138 $347 $83 $210 Without Dental $135 $339 $80 $ State Group Health Insurance Graduate Assistant/Short Term Academic Staff No change to employee contributions 2018 Premium With Dental Without Dental Tier Single Family Single Family Tier 1 / $45.50 $ $42.50 $ Tier 2 (Access Plan out of state) Tier 3 (Access Plan) $70.50 $ $67.50 $ $ $ $ $

State Group Health Insurance Employee Premiums Employee premiums may change for Crafts Workers and Less Than Half-Time rates See a full listing of State Group Health Insurance Employee Premiums, go

8 State Group Health Insurance Employee Premiums Employee premiums may change for Crafts Workers and Less Than Half-Time rates See a full listing of State Group Health Insurance Employee Premiums, go to: 22 State Group Health Insurance Opt-Out $2,000 Opt-Out Incentive is available in 2018 Elect Opt-Out Plan in Self Service (ebenefits) If receiving the Opt-Out in 2017, you are REQUIRED to re-enroll for 2018 If you do not complete the new application to opt-out or do not elect coverage, you will not have coverage or the incentive Incentive is paid monthly throughout the year Incentive is considered taxable 23 High Deductible Health Plan/Health Savings Account Eligibility High Deductible Health Plan (HDHP) Eligibility: Must be covered under the Wisconsin Retirement System Health Savings Account (HSA) Eligibility: Must be enrolled in an HDHP Cannot be enrolled in Medicare or TRICARE, or another health plan that is not considered an HDHP. Cannot be enrolled in, or be a covered dependent under a health care FSA (such as spouse s) Cannot be a dependent of another person for tax purposes 24 Must be eligible for BOTH the HDHP and HSA in order to enroll in the HDHP or Access HDHP plan 8

9 High Deductible Health Plan (HDHP) Enrollment Employees who enroll in an HDHP must provide Coordination of Benefits (COB) information. If you elect an HDHP and you do not provide the required COB information during your enrollment period, you will be defaulted to a non-hdhp health plan. Please review annually! 25 Health Savings Account (HSA) Limits HSA Limits when Health Rate is Full Employer Share: Coverage Total Contribution Limit Employee Employer = (Employee + Employer) Limit Contribution Single $3,450.00* $2, $ Family $6,900.00* $5, $ *Additional $1,000 catch-up if you will be 55+ years of age during plan year Employees may make changes to their HSA contributions at any time. No qualifying event needed If not HSA-eligible for all 12 months of the calendar year, may not be able to contribute full amount listed here If you work part-time, the HSA employer contribution will reduced by 50%. 26 Health Savings Account (HSA) Limits HSA Limits when Health Rate is Half Time: Coverage Total Contribution Limit = (Employee + Employer) Employee Limit Employer Contribution Single $3,450.00* $3, $ Family $6,900.00* $6, $ HSA Limits for Crafts Workers: Coverage Total Contribution Limit = (Employee + Employer) Employee Limit Employer Contribution Single $3,450.00* $3, $0.00 Family $6,900.00* $6, $0.00 *Additional $1,000 catch-up if you will be 55+ years of age during plan year 27 9

10 Health Savings Account (HSA) Crafts workers must enroll in the HSA if electing an HDHP but will not receive an employer contribution for the HSA Grad/Short-Term Academic Staff participants are not eligible for an HDHP University Staff Temporary Employees HSA contributions will be made on a post-tax basis 28 Is the HDHP/HSA Right for You? HDHP/HSA Considerations: Higher out-of-pocket costs, and lower monthly premiums The HSA provides employees an opportunity to set aside pre-tax monies that can earn interest Remember! For eligible employees, the UW System will contribute up $750 for single or $1,500 for family coverage to your HSA in 2018 (pro-rated) 29 Is the HDHP/HSA Right for You? HDHPs are right for some, and not for others. Visit ALEX, your Personalized Benefits Counselor, for help in deciding if an HDHP/HSA is a good option for you! View an elearning module about the plan design options and they work in various scenarios:

Is the HDHP/HSA Right for You? HDHPs are right for some, and not for others. Use this online questionnaire to see if an HDHP is a good fit for you. http://uwsystemadmin.qualtrics.

11 Is the HDHP/HSA Right for You? HDHPs are right for some, and not for others. Use this online questionnaire to see if an HDHP is a good fit for you Uniform Dental Benefits Administered by Delta Dental May elect with State Group Health Must be enrolled in State Group Health insurance coverage in order to be eligible for the Uniform Dental Benefit plan Covers basic dental services only (cleanings, fillings, partial coverage of orthodontia for children under age 19) Coverage level (single/family) must be the same as health insurance plan Dental benefits are separate from medical benefits and are not subject to a deductible and do not count towards the annual out-of-pocket limit. 32 Uniform Dental Benefits Changes for 2018 Reduce bitewing x-ray coverage from 2 per year to 1 per year Increase the maximum age for sealants from 16 to 19 years of age, once per lifetime, first and second molars only

Pharmacy Benefits Changes, Updates & Reminders Prescription/Pharmacy 2018 Overview Important Changes: CVS (including all Target) pharmacies are no longer In Network.

com for a full list New Mail Order Pharmacy Serve You (replaces WellDyneRx) Certain Over the Counter medications are no longer covered such as Flonase and Prilosec New Mandatory Specialty Pharmacies:

12 Pharmacy Benefits Changes, Updates & Reminders Prescription/Pharmacy 2018 Overview Important Changes: CVS (including all Target) pharmacies are no longer In Network. Other pharmacies may also be unavailable. Go to Navitus.com for a full list New Mail Order Pharmacy Serve You (replaces WellDyneRx) Certain Over the Counter medications are no longer covered such as Flonase and Prilosec New Mandatory Specialty Pharmacies: Lumicera UW Specialty Pharmacy 35 Pharmacy Benefits No changes to the Pharmacy Benefits or Payment Structure 2018 Prescription Copays, Coinsurance and Out-of-Pocket Limits for Health Plans and Access Plans Prescription Drug Level Member Costs Annual Rx OOPL Level 1 $5 per fill $600 individual / $1,200 family Level 2 20% ($50 maximum per fill) Level 3 40% ($150 maximum per fill) Level 4 Preferred Specialty Drug Filled at a Preferred Specialty $50 per fill Pharmacy (e.g. Diplomat Specialty Pharmacy) Filled at any other Pharmacy 40% ($200 maximum per fill) 36 $600 individual / $1,200 family Does not apply to Rx OOPL. Only applies to Federal MOOP: $6,850 individual / $13,700 family $1,200 individual / $2,400 family 12

only count towards the MOOP, not the OOPL 37 Flexible Spending Accounts Changes, Updates & Reminders FSA Reminders You must re-enroll

13 Pharmacy Benefit with HDHPs HDHPs combine both the Pharmacy & Medical costs to obtain the full deductible Employee pays full cost until deductible is met for: Medical Services Pharmaceuticals Level 3 Drugs count towards the OOPL for HDHPs Level 4 non-preferred only count towards the MOOP, not the OOPL 37 Flexible Spending Accounts Changes, Updates & Reminders FSA Reminders You must re-enroll each year if you want to continue the coverage! Health Care FSA Dependent Day Care FSA Limited Purpose FSA (if you enroll in an HDHP) 39 13

14 FSA Reminders Eligibility - all benefit-eligible employees except: University Staff Temporary Employees, Fellows, Scholars, Graduate Intern/ Trainees, or Post-Doctoral Fellow/Trainees Deduction taken before Federal, State, and FICA taxes are calculated to save money on taxes If you are paid bi-weekly, FSA deductions are taken 24 times in the calendar year (you receive 26 paychecks per year). 40 FSA Reminders Annual Carry-Over Up to $500 remaining in your Health Care or Limited Purpose FSA at the end of the plan year will carry over to the following plan year. There is no carry-over for Dependent Care FSA. Funds not used for dependent care received in that calendar year are lost. There is unlimited carry-over for Parking and Transit Parking and Transit Enrollment will require a paper application. 41 FSA Plan Descriptions FSA Type Eligible Expenses Eligible Dependents Annual Contribution Limits Health Care FSA Medical, dental, vision & prescription You, your spouse, qualifying dependent Max: $2,600 Dependent Day Care FSA After school care, adult or child daycare, preschool You, your spouse, qualifying dependent Max: $5,000 dependent on tax filing status Limited Purpose FSA Dental, vision & postdeductible expenses You, your spouse, qualifying dependent Max: $2,

Supplemental Dental & Vision Changes, Updates & Reminders Supplemental Dental & Vision Insurance Options Health plans offer Uniform Dental benefits.

State Group Health Plan Uniform Benefits cover an annual eye examination If dental and vision coverage offered by the health plan doesn t meet your full needs, consider one or more of the additional

15 Supplemental Dental & Vision Changes, Updates & Reminders Supplemental Dental & Vision Insurance Options Health plans offer Uniform Dental benefits. May select health plan with or without Uniform Dental benefits (additional cost to you is $3/month single/$7/month family). State Group Health Plan Uniform Benefits cover an annual eye examination If dental and vision coverage offered by the health plan doesn t meet your full needs, consider one or more of the additional supplemental dental or vision plans. 44 Supplemental Dental & Vision Insurance Options You may take the following actions during Annual Benefits Enrollment for 2018 for Dental Wisconsin, VSP Vision insurance and EPIC Benefits+: Enroll Change plans (if applicable) Add or remove eligible dependents Cancel coverage Go to: for premiums and additional information 45 15

16 Dental Wisconsin Select and PPO Plans Employees who enroll during ABE will be subject to graduated dental benefits. Year 1: $600 maximum per member Year 2: $800 maximum per member Year 3+: $1,250 maximum per member (full benefit) The annual maximum benefit will increased from increase from $1,000 to $1,250 per member. There are no waiting periods for preventive, basic or major restorative services (Dental Wisconsin Select does not cover preventive services). There is a 24-month waiting period for orthodontic services (for children under age 19) for enrollments received during the ABE period. 46 Dental WI Rates Monthly Premiums for 2018 Employee Employee + Spouse Employee + Child(ren) Family Select $21.04 $43.24 $49.90 $73.36 PPO $22.38 $47.40 $52.98 $80.10 Dental Wisconsin Select rates increasing 2.5% for 2018 Dental Wisconsin - PPO rates decreasing by 9% for VSP Vision Insurance Benefit Changes: Frame Allowance increasing to $150 Full Coverage for UV protection on glass lens Contact lens exam co-pay reduced to $40 New Primary EyeCare Supplemental Coverage including a $20 co-pay: Treatment for eye pain or infection - Testing for sudden vision changes - Cataract monitoring exams Retinal Screenings 48 16

17 VSP Rates Monthly Premiums for 2018 Employee Employee + Spouse Employee + Child(ren) Family VSPVision $6.54 $13.08 $14.73 $23.54 VSP No rate change for EPIC Benefits+ Employees who enroll during ABE will be subject to graduated dental benefits. Year 1: $750 maximum per member Year 2: $1,000 maximum per member Year 3+: $1,500 (full benefit) May add or remove optional vision insurance. There is a 24-month waiting period for orthodontic services (for children under age 19). 50 EPIC Benefits +Rates Monthly Premiums for 2018 EPIC Benefits+ without Vision Insurance EPIC Benefits+ with Vision Insurance Employee Employee + Spouse Employee + Child(ren) Family $21.38 $42.78 $42.76 $64.14 $25.02 $49.16 $49.16 $73.58 Rates are going down by.8% for

Life Insurance Reminders Individual & Family Group

Individual and Family Life insurance plan on October 1

amounts: Employee: $5,000; $10,000; $15,000 or $20,000

$2,500 Any other changes to existing coverage requires

18 Life Insurance Reminders Individual & Family Group Life Annual Increase Option Employees covered by the Individual and Family Life insurance plan on October 1 st, may increase coverage level by the following amounts: Employee: $5,000; $10,000; $15,000 or $20,000 Spouse/Domestic Partner: $5,000 or $10,000 Child(ren): $2,500 Any other changes to existing coverage requires a paper application. 53 Wellness Changes, Updates & Reminders 18

StayWell Portal Offerings 55 Wellness Incentive Reminders for 2017 Participants will need to complete a health screening and the heath assessment by October 20, 2017 in order to be eligible for the

19 StayWell Portal Offerings 55 Wellness Incentive Reminders for 2017 Participants will need to complete a health screening and the heath assessment by October 20, 2017 in order to be eligible for the incentive. The $150 Wellness Incentive is available to both the employee and their spouse, for a maximum annual incentive pf $300. Health Screening Health Assessment 2017 Incentive 56 Required Notices Affordable Care Act (ACA) Non- Discrimination Notice The UW System and the Department of Employee Trust Funds (ETF) comply with applicable Federal civil rights laws and do not discriminate on the basis of race, color, national origin, age, disability or sex. Use the UW System HR website for all health insurance related communications

20 Questions Thank you for your participation For questions or concerns, please contact your human resources office 20

Welcome to the Annual Benefits Enrollment Monday, October 2 Friday, October 27, 2017 All changes effective January 1 st, 2018

University of Wisconsin Madison Office of Human Resources Annual Benefits Enrollment Welcome to the Annual Benefits Enrollment Monday, October 2 Friday, October 27, 2017 All changes effective January 1