CONNECTING WORK + LIFE. EMPLOYEE July 2015 NEWS ABOUT INSURANCE, RETIREMENT AND WELLNESS PROGRAMS FOR THE UNIVERSITY OF TEXAS SYSTEM

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1 CONNECTING WORK + LIFE EMPLOYEE July 2015 NEWS ABOUT INSURANCE, RETIREMENT AND WELLNESS PROGRAMS FOR THE UNIVERSITY OF TEXAS SYSTEM

2 EMPLOYEE July 2015 Special Edition Annual Enrollment & Resource Guide This A Matter of Health newsletter is a special Annual Enrollment (AE) edition providing details on the benefits enrollment process and the uniform benefits plan for UT employees and their qualified dependents. It also contains important information you may wish to refer to throughout the year. IN THIS ISSUE 3 Annual Enrollment Timeline 4 Out-of-Pocket Rates for UT SELECT Medical Plan Changes for Optional Coverage Highlights Short and Long Term Disability 6 Annual Enrollment: Your Opportunity to Review and Change Vision Benefits 7 Annual Enrollment: Your Opportunity to Review and Change Dental Benefits 8 Living Well Program 8 Voluntary Group Term Life and AD&D Insurance 9 Understanding Dependent Eligibility and Documentation Requirements 9 Other Eligibility 10 UT Retirement 10 UT FLEX Program 12 How to Change your Benefits 12 Evidence of Insurability 12 Evidence of Eligibility 13 New UT SELECT Medical ID Cards 13 Changes During the Year UT Benefits Contacts 15 Contact Information IMPORTANT: AVAILABILITY OF SUMMARY HEALTH INFORMATION Choosing a health coverage option is an important decision. To help you make an informed choice, your plan makes available a Summary of Benefits and Coverage (SBC), which summarizes important information about any health coverage option in a standard format, to help you compare across options. The uniform Summary of Benefits and Coverage (SBC) provision of the Affordable Care Act requires all insurers and group health plans to provide consumers with an SBC to describe key plan features in a mandated format, including limitations and exclusions. The provision also requires that consumers have access to a uniform glossary of terms commonly used in health care coverage. To review an SBC for UT SELECT PPO or Out-of-Area coverage, visit the website www. bcbstx.com/ut. You can view the glossary at pdf. To request a copy of these documents free of charge, you may call the SBC hotline at (855)

3 UT Benefits for one. Health for UT System. ANNUAL ENROLLMENT TIMELINE Carefully review the Annual Enrollment Benefits Overview included in this newsletter for information about insurance plan premium rates, plan changes and other AE details. PLEASE REVIEW THIS ENTIRE NEWSLETTER Review what s changing and consider your insurance needs for the upcoming year. Then, if you don t want to make any changes, you don t have to do anything to continue with your current plan selections. MAKE ELECTIONS ANNUAL ENROLLMENT (AE) PERIOD JUL 15 JUL 30 AUG 15 REVIEW AE OPTIONS LETTER + AE WEBSITE FOLLOW UP EOI OR EOE, IF REQUIRED REVIEW MAKE INFORMED BENEFITS CHOICES WITH RESOURCES AVAILABLE TO HELP YOU Annual Enrollment Website available by July 15, 2015 Annual Enrollment Meetings (at your institution) Insurance vendors available for planspecific questions (see Contacts at the end of this publication) MAKE ELECTIONS ANNUAL ENROLLMENT PERIOD July 15 July 31, 2015 UT Benefits Enrollment Options (PIN) letter or delivered by July 15 Lists current coverage, options for coverage for the next plan year beginning September 1, and instructions for making changes online. July 15, July 31, During this period, you can: Make changes to your benefits, Add or remove dependents*, Enroll in UT FLEX, Change coverage options for certain plans. Outside of this time period you cannot make any changes unless you have certain life events such as birth, marriage, divorce, death, or gaining or losing other coverage that affect your or your dependents need for benefits. This is a good time to update other items if you ve had changes during the year like: Contact information, Tobacco user status, Beneficiary information. FOLLOW UP COMPLETE EOI OR EOE (IF REQUIRED) Deadline Friday August 15, 2015 Evidence of Insurability (EOI) is required to enroll in certain insurance coverage, including: Voluntary Group Term Life and Long Term Care insurance. Evidence of Eligibility (EOE) is required when you enroll your spouse or a dependent in any UT Benefits plan for the first time. *Effective July 1, 2015, same sex spouses are eligible for enrollment in the UT Group Insurance Program. Contact your benefits office for information on adding your spouse to your insurance coverage. IN THE NEW (PLAN) YEAR SEPTEMBER 1, 2015 Plan changes (including new rates) begin New Medical ID cards issued for everyone New ID cards for any plans you changed during Annual Enrollment Deductibles and limits start over ONGOING: KEEP IN TOUCH YOUR ADDRESS Your address or employment changes? Notify your institution. NEWSLETTER Read the UT Office of Employee Benefits monthly newsletter. If you don t already receive it, subscribe by entering your address in My UT Benefits. CONTACT INFO Keep the Contact Information section of this newsletter to contact insurance vendors for plan information or your institution about your coverage. A Matter of Health Annual Enrollment Edition for Employees 3

4 REVIEW OUT-OF-POCKET RATES FOR PLAN EMPLOYEE EMPLOYEE & SPOUSE EMPLOYEE & CHILD(REN) EMPLOYEE & FAMILY UT SELECT Medical* FULL-TIME $0 $ $17.03 increase p $ $17.81 increase p $ $33.54 increase p UT SELECT Medical* PART-TIME $ $19.78 increase p $ $47.17 increase p $ $44.22 increase p $1, $70.38 increase p UT SELECT Dental $32.40 no change $61.51 no change $67.80 no change $96.40 no change UT SELECT Dental Plus $55.85 no change $ no change $ no change $ no change DeltaCare Dental HMO $8.89 no change $16.90 no change $18.68 no change $26.67 no change Superior Vision $5.90 $1.10 reduction q $9.30 $1.70 reduction q $9.52 $1.72 reduction q $15.10 $2.74 reduction q Superior Vision Plus $9.00 $2.00 reduction q $14.08 $3.10 reduction q $15.08 $3.32 reduction q $21.30 $4.70 reduction q *Tobacco Premium Program $0 to $90 per month based upon tobacco user status Basic Coverage package includes medical, prescription, $20K Basic Life and $20K Basic AD&D for employees. Premium rates for Voluntary Group Term Life are not changing for the plan year, but your Voluntary Group Term Life rate may change due to age. See the chart below for the age-banded rates. EMPLOYEE RATE CHART AGE OF SUBSCRIBER ON 9/01/15 RATE PER $1,000 COVERAGE < 35 $ $ $ $ $ $ $ $ and over $ A Matter of Health Annual Enrollment Edition for Employees

5 REVIEW UT SELECT MEDICAL PLAN CHANGES FOR This year, the UT SELECT Medical plan deductible remains at $350 for individuals and $1,050 for families. The deductible is what you pay for certain services (outpatient and inpatient procedures and services, for example) before the medical plan starts to pay. Once the deductible is met, the plan pays a portion and you pay a portion called coinsurance. In-network coinsurance is 20% of allowed charges. For the plan year, the UT SELECT Medical Plan coinsurance out-of-pocket maximum of $2,150 for individuals and $6,450 for families. This means that you will not pay above that amount in coinsurance for allowed charges. Last year, in accordance with the Affordable Care Act guidelines, UT SELECT Medical introduced an additional out-of-pocket limit that included medical copayments in addition to the deductible and coinsurance. This limit added an extra level of financial protection for you. This year, the broader out-of-pocket maximum of $6,600 for individuals and $13,200 for families includes all member cost share for allowed medical and prescription services covered under the plan: medical deductible, medical coinsurance, medical copayments, $100 prescription drug deductible, and prescription drug member responsibility (usually a copayment). The cost for services not covered under the plan including balance billing do not apply to any out-of-pocket limits. Individuals whose primary insurance is Medicare were, in the past, typically unaffected by the out-of-pocket limits because they only applied to medical services which are generally paid in full by Medicare and UT SELECT Medical. Beginning September 1, 2015, however, since prescription drug costs are included in the calculations for the larger whole plan out-of-pocket maximum, some individuals with high prescription drug costs may meet that limit at which time all allowed charges will be paid by the plan. COPAYMENTS FOR THERAPY VISITS For those in-area, the in-network benefits for physical, occupational, chiropractic, Airrosti, and speech therapy are changing from deductible/coinsurance to a specialist copayment of $35. CHANGE IN EMERGENCY ROOM BENEFIT Emergency room visit benefit is changing from a flat $150 copayment to $150 copayment plus coinsurance. This applies to in-network and out-of network benefits for the in-area plan. On average, an ER visit costs $1,500, meaning your cost under the new benefit would be $450 consisting of the $150 copayment plus 20% of the $1,500 allowable cost. ABA THERAPY BENEFIT Applied Behavioral Analysis will be covered for dependent children up to age 19. A $35 copayment applies to in-network services, and out-of-network deductible and coinsurance apply to out-of-network services. Out-of-network providers may balance bill. No network exceptions are allowed and the plan year benefit maximum is $36,000. PRESCRIPTION DRUG FORMULARY CHANGE There are occasional updates to the formulary for the UT SELECT Prescription Drug plan. So, while the plan benefits are not changing, you could see changes in your medication costs. OPTIONAL COVERAGE HIGHLIGHTS LONG TERM CARE This Annual Enrollment is the last opportunity to sign up for the Long Term Care (LTC) plan offered to UT by CNA. If you wish to enroll in LTC, you can find a direct link to the CNA website within My UT Benefits. On that site, you will find instructions describing how to print and mail a form to the insurer for yourself or if you have other eligible family members who wish to enroll. The LTC forms are also available online at or you may request a paper form directly from CNA by calling (888) If you are currently enrolled in a CNA Long Term Care plan through UT, that coverage will continue as usual. There are no changes to rates. VISION - SAME BENEFITS, EVEN LOWER RATES! Last fall the UT System Office of Employee Benefits (OEB) posted Requests for Proposals (RFPs) for the fully insured Vision plans. OEB is extremely pleased with the results of the competitive bid process as we had several companies interested in partnering with us. The contract for Vision Insurance was awarded to Superior Vision. Their network of providers was unmatched by other vendors, none of which had all five of the top 5 vision service providers in network. This will enable members to continue to receive uninterrupted services from their current provider, which is a key component of the customer service experience. The new premium rates will also be significantly lower than current rates; good news for enrollees in both the Regular Vision plan and the Vision Plus plan. DENTAL PPO PLAN EXCLUSION CHANGE UT SELECT Dental PPO plans will no longer exclude the initial installation of a fixed bridge or partial denture made necessary by the absence of natural teeth occurring before the Primary Enrollee was enrolled in dental coverage under The University of Texas System. Removing this exclusion, commonly referred to as the missing tooth clause should help expedite treatment for many UT SELECT Dental participants and improve the patient experience. SHORT AND LONG TERM DISABILITY No Evidence of Insurability (EOI) required during this year s Annual Enrollment. A Matter of Health Annual Enrollment Edition for Employees 5

6 REVIEW SHORT TERM AND LONG TERM DISABILITY As announced in May and promoted in June, enrolling in Disability Insurance can make a tremendous difference in maintaining an income stream should you suffer an illness, injury or accident that will keep you out of work. With the new Short and Long Term Disability contract in place for the upcoming plan year, the new contract not only offers slightly decreased rates, it also offers a great opportunity to enroll in disability insurance during Annual Enrollment in July without having to complete Evidence of Insurability. This opportunity is generally only allowed for new employees or for employees who are adding coverage due to a change of status such as marriage or the birth or adoption of a child. Normally during Annual Enrollment, applicants would need to answer health questions that could lead them to be turned down for coverage. If you are not currently enrolled in coverage, this is a prime time to consider adding it. ANNUAL ENROLLMENT: YOUR OPPORTUNITY TO REVIEW AND CHANGE VISION BENEFITS VISION PLAN OPTIONS For additional information about each of the current UT vision plans briefly described below, please visit the OEB website. Plan limitations and exclusions do apply for each of these plans. Contact Superior Vision customer service for specific details about plan benefits and coverage at (800) SUPERIOR VISION PLAN (STANDARD PLAN) We are pleased to announce that the contract for Vision Insurance was awarded to Superior Vision. The network of providers will remain the same, which translates to uninterrupted services. The new premium rates will also be significantly lower than current rates; good news for enrollees in both the Regular Vision plan and the Vision Plus plan. SUPERIOR VISION PLUS PLAN (ENHANCED PLAN) In addition to the standard Superior Vision plan, there is also the enhanced Superior Vision Plus plan. For a higher premium, you receive higher benefit allowances than the standard plan. See below for additional details. VISION PLAN DESIGN FEATURES PLAN DESIGN FEATURES ANNUAL EXAM CO-PAYMENT FRAME ALLOWANCE PROGRESSIVE LENS ALLOWANCE COVERED LENS OPTIONS NETWORK OF PROVIDERS Superior Vision Superior Vision Plus $35 COPAY $140 Member pays difference between lined trifocals and progressive retail cost Options are provided at a 20% discount $35 COPAY $150 $120 Polycarbonates, dependents to age 25 (standard plan does not cover) Scratch coat covered in full (standard plan does not cover) Ultraviolet coat covered in full (standard plan does not cover) New Contract provides uninterrupted service. Best value provided when visiting a contracted Superior Vision provider. Please contact Superior Vision customer service before you receive services to confirm if your provider is in-network. 6 A Matter of Health Annual Enrollment Edition for Employees

7 REVIEW ANNUAL ENROLLMENT: YOUR OPPORTUNITY TO REVIEW AND CHANGE DENTAL BENEFITS DENTAL PLAN OPTIONS UT System will continue to offer two self-funded UT SELECT Dental PPO plan options: UT SELECT Dental and UT SELECT Dental Plus. There will be no premium changes to either of the PPO plans and we are happy to announce that the Missing Tooth Exclusion clause will no longer apply as of September 1, The UT SELECT Dental and UT SELECT Dental Plus plans are both administered by Delta Dental Insurance Company. As self-funded plans, all claims are paid by UT System through premiums collected from participants. While both PPO plans cover most of the same types of services and provisions, the premiums are different and the benefits are higher in the UT SELECT Dental Plus plan. Compare the benefits closely in order to select the plan that best meets your or your family s particular needs. PLAN DESIGN FEATURES PLAN DEDUCTIBLE ANNUAL PLAN BENEFIT ALLOWANCE ORTHODONTICS NETWORK OPTIONS UT SELECT $25 $1,250 ANNUAL Separate Freedom to choose any licensed dentist. For maximum Dental PPO DEDUCTIBLE BENEFIT MAXIMUM $1,250 lifetime savings, choose from the Dental Preferred Organization orthodontic (DPO). If you choose a provider outside of the DPO maximum network, you may be subject to balance billing. Contact Delta Dental customer service to confirm the status of your dental provider. UT SELECT PLAN PAYS $3,000 ANNUAL Separate Freedom to choose any licensed dentist. For maximum Dental Plus PPO DEDUCTIBLE BENEFIT MAXIMUM $3,000 lifetime savings, choose from the Dental Preferred Organization orthodontic benefit (DPO). If you choose a provider outside of the DPO maximum network, you may be subject to balance billing. Contact Delta Dental customer service to confirm the status of your dental provider. BENEFITS AND COVERED SERVICES PLAN DIAGNOSTIC & PREVENTIVE SERVICES BASIC SERVICES MAJOR SERVICES ORTHODONTIC SERVICES UT SELECT Dental PPO 100% 80% 50% 50% UT SELECT Dental Plus PPO 100% 100% 80% 80% DENTAL HMO DELTACARE USA The DeltaCare USA dental HMO plan has set copayments and no annual deductibles or maximums for covered benefits. There are no premium changes and the benefits will remain the same for plan year DELTACARE USA PLAN DESIGN FEATURES Set copayments. No annual deductibles and no maximums for covered benefits. Low out-of-pocket costs for many diagnostic and preventive services (such as professional cleanings and regular dental exams). Upon enrollment into the DeltaCare USA plan, you must select a new dentist in My UT Benefits during Annual Enrollment or one will be selected for you based on your address. You may call Delta Dental at (800) to find out if your current dentist is in the DeltaCare network. Do not make any appointments until you are certain that DeltaCare has confirmed a dentist for you and/or for each of your covered dependents. If you visit a dentist other than the one listed as your primary dental provider, your services may not be covered. Plan limitations and exclusions do apply for each of these plans. Contact Delta Dental customer service for specific details about plan benefits and coverage at (800) For additional information about the three dental plans briefly described above, please visit the OEB website. A Matter of Health Annual Enrollment Edition for Employees 7

8 REVIEW VOLUNTARY GROUP TERM LIFE AND AD&D INSURANCE Voluntary Group Term Life (VGTL) insurance can help ensure financial security for your family and loved ones upon your death. UT System, through the vendor Dearborn National, provides eligible employees the opportunity to purchase additional life Insurance coverage at group rates in addition to the $20,000 basic GTL included in the basic coverage package. During annual enrollment employees can elect up to a maximum of six times their annual salary with approval of Evidence of insurability (EOI). Additionally, spouses of employees who have VGTL are eligible for up to $50,000 in VGTL with EOI. Benefits-eligible active employees enrolled in UT SELECT Medical are automatically enrolled in the Accidental Death and Dismemberment (AD&D) plan with $20,000 as part of the basic coverage package. Active employees may also enroll themselves and their eligible dependents in optional Voluntary AD&D insurance in amounts of coverage up to ten times their annual salary, with spouse coverage of up to 50% of the employee s election. All amounts of AD&D coverage are guaranteed issue. No EOI is required for any increases in AD&D benefits during annual enrollment or during the plan year following a qualified change in status event. YOU MAY ADD OR INCREASE VOLUNTARY GROUP TERM LIFE INSURANCE DURING ANNUAL ENROLLMENT * Evidence of Insurability is required to add or increase Voluntary Group Term Life Insurance. LIVING WELL PROGRAM WELLNESS. FIND YOUR WAY. The University of Texas System Living Well: Make it a Priority Worksite Health & Wellness program was established to encourage all employees, retirees, and dependents to reach their potential and maintain the productivity necessary to meet the challenges of work and life. Our Living Well program goal is to enable you to take charge of your health by developing your own personal wellness program, using resources available through the Office of Employee Benefits and your UT institution. For more details please visit our website at or us at livingwell@utsystem. edu. CONDITION MANAGEMENT PROGRAM Members with chronic conditions, such as diabetes, asthma, high blood pressure, and many more, can get personalized professional support in managing the disease. To learn more about this voluntary health improvement plan by BCBSTX, call /7 NURSELINE Get answers to your health care questions with the BCBSTX 24/7 Nurseline. Experienced registered nurses are available 24/7 to help you with questions you have about major medical issues, chronic illness, and lifestyle changes. Call toll-free: ONSITE HEALTH CHECKUPS The checkup, similar to what you might receive at your doctor s office, is designed to identify issues that may affect your health and help you get them under control before they become serious. Participating institutions will communicate the dates via and posters. Checkups include a quick health evaluation; including finger stick blood test, blood pressure, and body composition, followed up by a private health consultation with a licensed Nurse Practitioner. ONSITE FLU SHOTS Flu Shots may be available at your institution at no cost to you. Details will be sent in our A Matter of Health newsletter in fall of EXPERT PHARMACIST HELP If you have been diagnosed with high cholesterol, diabetes, or any other condition, pharmacist specialists from the Express Scripts Therapeutic Resource Center can provide you with vital information about your condition and treatment, including potential risks and side effects of medications. Learn more by calling PHYSICAL ACTIVITY CHALLENGE Each spring, team up with your institution for the UT System Physical Activity Challenge. You ll receive a weekly goal and work with those who are registered towards earning individual rewards and institution recognition. The following Institutions were awarded the 2015 Traveling Trophies: n2015 UT Activity Challenge Small Institution Champion: UT System Administration n2015 UT Activity Challenge Medium-sized Institution Champion: UTHealth n2015 UT Activity Challenge Large Institution Champion: UTMB Galveston 8 A Matter of Health Annual Enrollment Edition for Employees

9 REVIEW UNDERSTANDING DEPENDENT ELIGIBILITY AND DOCUMENTATION REQUIREMENTS With Annual Enrollment this month, it s important to be aware of the dependent eligibility rules for the UT Benefits program and the requirement to provide documentation verifying that your dependents are eligible to participate. Here is a brief review of the dependent eligibility requirements as well as information about providing required supporting documentation. ELIGIBILITY Eligibility to participate in certain UT Benefits coverage as a dependent is determined by law. Eligible dependents are: nyour spouse*; nyour children, including stepchildren and adopted children, who are: under age 26 regardless of marital status for the UT SELECT Medical plan (due to federal eligibility rules), unmarried and under age 25 for other UT Benefits (Dental, Vision, and Life insurance); IF YOU CURRENTLY COVER A DEPENDENT who is also receiving premium sharing for coverage through a a plan with Texas A&M or Employees Retirement System of Texas, please choose to have that person covered under only one plan and make the appropriate enrollment changes at this time. nchildren for whom you are named a legal guardian or who are the subject of a medical support order requiring such coverage; nyour unmarried grandchildren under age 25, provided they qualify and you claim them as your dependent for federal tax purposes; and, ncertain children over age 25 (over age 26 for the UT SELECT Medical plan based on federal eligibility rules) who are determined by OEB to be medically incapacitated and are unable to provide their own support. *Effective July 1, 2015, same sex spouses are eligible for enrollment in the UT Group Insurance Program. Contact your benefits office for information on adding your spouse to your insurance coverage. OTHER ELIGIBILITY SURVIVING DEPENDENTS INCAPACITATED DEPENDENTS SURVIVING DEPENDENTS The surviving spouse or other benefits-eligible dependent of an employee or retired employee who, on the date of the employee s death, had at least five (5) years of Teacher Retirement System of Texas (TRS) or Texas Optional Retirement Program (ORP) creditable service, including at least three (3) years with UT as a benefitseligible employee at the time of death, is eligible for benefits as a surviving dependent if the dependent had been participating in UT Benefits at the time of the employee or retired employee s death. A surviving spouse may continue UT Benefits coverage for the remainder of the surviving spouse s life. A dependent child may continue until the child loses his or her status as a dependent child. The dependent of an individual who has not met the service requirements at the time of death may elect COBRA coverage for a period not to exceed 36 months. OVERAGE INCAPACITATED DEPENDENTS Enrolled children may remain eligible for UT Benefits as an incapacitated dependent if they are determined to be medically incapacitated at the time they age out of eligibility for coverage as a child under the program (either at age 25 or 26, depending on coverage type). An older dependent child who is determined to be medically incapacitated at the time a subscriber first becomes benefits eligible may be enrolled in the plan if the child was covered by the subscriber s previous health plan with no break in coverage. Please contact your institution s Human Resources or Benefits Office for additional information about covering incapacitated dependent children. IMPORTANT Misrepresentation of dependent eligibility constitutes a policy violation that could result in consequences ranging from a reprimand to dismissal. Misrepresentation may also require that you reimburse benefits paid on behalf of an ineligible individual. Deliberate misrepresentation may constitute criminal fraud and could result in a referral to law enforcement. A Matter of Health Annual Enrollment Edition for Employees 9

10 REVIEW UT RETIREMENT: ANNUAL ENROLLMENT AND YOUR RETIREMENT SAVINGS OPPORTUNITIES With Annual Enrollment fast approaching and decisions to be made regarding your health care options, there is no better time to consider your financial health as well. In addition to a suite of health insurance options to take care of you and your family, the University of Texas System also offers two voluntary retirement savings plans that all you to plan for the financial future for yourself and your family. While you can enroll or increase your contribution in the UTSaver TSA or UTSaver DCP at any time, annual enrollment is a great time to think about your total future retirement needs. Contributions can be as little as $15 per month or as much as $18, a year. In some cases, you may even be able to contribute more. All contributions are conveniently deducted from your paycheck before taxes, which means your taxable income decreases. If you prefer to make your contributions after taxes have been deducted, that option is there for you too. NEED HELP INVESTING YOUR CONTRIBUTIONS? The UTRetirement Programs partner with our providers to ensure you have the resources you need. There are dozens of financial representatives in your area who will be glad to sit down with you and help you determine your best course of action. After making your annual enrollment elections, make sure to go back and click on the link to the UT System Retirement Programs website at to learn more about the TSA or DCP plans, or to read about the services each provide makes available to you at no cost. You can even schedule an appointment with a financial advisor at your convenience. Take the opportunity to ensure that your financial health is just as robust as your physical health! UT FLEX: CONVENIENT, EASY SAVINGS AND NO MORE ADMINISTRATIVE FEE Participating in the UT FLEX flexible spending account program is convenient, easy, and best of all, saves you money! Through your UT FLEX account, you can pay for eligible health care and dependent day care expenses using pre-tax dollars, which means you don t pay federal income or Social Security taxes on this money. HOW MUCH MIGHT YOU SAVE? WITH AN FSA WITHOUT AN FSA ANNUAL SALARY $40,000 $40,000 HEALTH CARE FSA CONTRIBUTION (PRE-TAX) ($1,500) ($0) DEPENDENT CARE FSA CONTRIBUTION(PRE-TAX) ($4,000) ($0) TAXABLE INCOME AFTER CONTRIBUTION AMOUNT $34,500 $40,000 ESTIMATED TAXES WITHHELD (22.65%)* ($7,814) ($9,060) POST-TAX INCOME $26,686 $30,940 MONEY SPENT AFTER TAX ON HEALTH CARE AND DEPENDENT DAY CARE EXPENSES ($0) ($5,476) TAKE HOME PAY $26,686 $25,464 SAVINGS $1,222 $0 *Based on 7.65% FICA and 15% tax bracket. Note: Please be advised that this example is for illustrative purposes only. These projections are only estimates of tax information and should not be assumed to be tax advice. Be sure to consult a tax advisor to determine the appropriate tax advice for your situation. 10 A Matter of Health Annual Enrollment Edition for Employees

11 REVIEW PHYSICIAN EXERCISE REFERRAL Individuals with medical conditions that can be improved by physical activity (such as diabetes, hypertension, depression, and more) are able to receive reimbursement from their healthcare flexible spending account to pay for some exercise expenses. A Letter of Medical Necessity is needed from the physician advising the exercise. Details can be found at discard it. As long as you make a UT FLEX HCRA election for UT FLEX HEALTH CARE REIMBURSEMENT ACCOUNT (HCRA) Important: In response to the Internal Revenue Service (IRS) increasing the annual maximum election, effective plan year (September 1, 2015) the new annual maximum election per employee for HCRA accounts is $2,550 (an increase of $50). With a UT FLEX HCRA, you can set aside up to $2,550 per year in pre-tax dollars to pay for eligible health care expenses, including these common expenses: ndeductibles, copayments, and coinsurance; nprescription drugs, insulin, and syringes; ndental exams, x-rays, fillings, crowns, and orthodontia; neye exams, prescription eyeglasses, and prescription sunglasses; ncontact lenses and cleaning solutions; and nhearing aids. You can find additional details about eligible HCRA expenses online at NO ADMINISTRATIVE FEES FOR PARTICIPATION OR DEBIT CARD Starting September 1, 2015, participants in the UT FLEX program will no longer have to pay the $12 annual fee per UT FLEX account. The PayFlex Debit Card will continue to be free for HCRA participants as well. Using the PayFlex Debit Card gives you several advantages, including: nimproving your cash flow throughout the plan year by allowing you to directly access your account for eligible expenses rather than paying out of pocket and filing for reimbursement. You have direct access to your entire annual election amount beginning on the first day of the plan year (9/1/2015); neliminating the need for you to complete claim forms or any other paperwork for most expenses;* and, nensuring that eligible purchases are automatically deducted from your available UT FLEX HCRA balance so you always know how much you have remaining in your account. nsave all of your receipts and especially those for dental and vision services which will likely require documentation to prove the service was medically necessary. Important: If you currently have a PayFlex Debit Card, do NOT 2016, your Debit Card will continue to work. Expiring cards will be replaced as necessary, similar to most credit and debit cards. UT FLEX DEPENDENT DAY CARE REIMBURSEMENT ACCOUNT (DCRA) You can set aside pre-tax dollars (up to $5,000 per family per calendar year) to pay for eligible expenses for dependent day care that allows you (and, if married, your spouse) to work, look for work, or go to school full time. Eligible expenses for care of qualified dependents include costs for: nbefore/after school care, npreschool or nursery school (for pre-kindergarten aged dependents), and nsummer day camp. You can find complete details about qualified dependents and eligible DCRA expenses online at NEED HELP DETERMINING HOW MUCH TO ELECT? Use the savings calculator online at to help you estimate your eligible expenses by itemizing your unreimbursed health and dependent day care costs. To use the calculator on the UT FLEX website, click on the Savings Calculator tab and enter your annual estimated costs in each category. Once complete, you ll have an estimate for an annual election and you can also see your estimated tax savings! IMPORTANT REMINDERS Don t forget to participate in UT FLEX for , you must make your election through the My UT Benefits online enrollment system during this year s Annual Enrollment period even if you are a current UT FLEX participant. A Matter of Health Annual Enrollment Edition for Employees 11

12 MAKE ELECTIONS HOW TO CHANGE YOUR BENEFITS All of your changes can be made using the My UT Benefits online system at LOGIN TO MY UT BENEFITS Evidence of Insurability (EOI) application (for adding or increasing Login using one of the options provided. Your PIN will be sent to you Voluntary Group Term Life or Long Term Care), you must follow in the or letter titled Your UT Benefits Enrollment Options by through by providing this information. If you do not, your requested July 15th. changes will not be implemented. BEFORE MAKING YOUR ELECTIONS, YOU MUST DECLARE OR UPDATE YOUR TOBACCO USER STATUS The Tobacco Premium Program (TPP) is an out-of-pocket premium of $30 per month. It applies to subscribers and dependents aged 16 and over who are enrolled in the UT SELECT Medical plan and use tobacco products. Before making election changes via My UT Benefits, you will be prompted to confirm tobacco user status for yourself and eligible dependents. EVIDENCE OF INSURABILITY/EVIDENCE OF ELIGIBILITY If you make a coverage election that requires documentation of relationship (for adding a dependent) or for you to submit an REVIEW YOUR CHANGES Login using one of the options provided. Your PIN will be sent to you in the letter or titled Your UT Benefits Enrollment Options by July 15th. BE AWARE THAT CHANGES MADE DURING AE WILL TAKE EFFECT ON SEPTEMBER 1 EXCEPTION: If EOI is required and has not been approved by September 1, changes will take effect on the approval date for Life Insurance or the first of the month following approval for Long Term Care. FOLLOW UP EVIDENCE OF INSURABILITY During this year s Annual Enrollment (AE) period, Evidence of Insurability (EOI) will be required to enroll in or increase Voluntary Group Term Life and Long Term Care (LTC) insurance. EOI is not required for UT SELECT Medical. In addition, no EOI is required to enroll in short- or longterm disability during AE period. DEADLINE FOR SUBMISSION IS AUGUST 15 Important Notes: neoi is not required for enrollment in the UT SELECT Medical Plan nthe deadline for submitting electronic EOI or mailing a paper EOI form is August 15th. LIFE EOI The My UT Benefits online system will automatically direct you to complete EOI electronically if you enroll online. Otherwise, you may complete a paper form and submit it to the insurer. You can view and print the life EOI form online at pdf/employees/gtl/ut_eoi.pdf. You can also request a form from your institution s HR or Benefits Office. LONG TERM CARE EOI Employees and their spouses as well as any other eligible family members will need to complete and pass EOI in order to enroll in Long Term Care. If you wish to enroll in LTC, you can find a direct link to the CNA website within My UT Benefits. On that site, you will find instructions describing how to print and mail a form to the insurer for yourself or if you have other eligible family members who wish to enroll. The LTC forms are also available online at or you may request a paper form directly from CNA by calling (888) EVIDENCE OF ELIGIBILITY DEADLINE FOR SUBMISSION IS AUGUST 15 DOCUMENTATION EVIDENCE OF ELIGIBILITY When requesting to add a dependent to your UT Benefits coverage, you must provide appropriate supporting documentation demonstrating Evidence of Eligibility (EOE). You should be prepared to provide copies of relevant documents. Depending on the relationship and circumstances, appropriate documentation may include items such as a marriage certificate, a birth certificate, completed adoption paperwork, or other legal documents. The My UT Benefits online system offers the convenience of submitting documents electronically when adding NEW dependents to your benefits coverage during Annual Enrollment. To do this, you simply upload clear, legible digital images (scanned documents or photographs) of required documents directly through My UT Benefits as evidence of your dependent s eligibility. Additional information will be available when you log into My UT Benefits, including FAQs about the documentation upload process. There is a separate tab for dependent information to help you more easily find details that you may need. 12 A Matter of Health Annual Enrollment Edition for Employees

13 NEW UT SELECT MEDICAL ID CARDS New UT SELECT Medical ID cards from Blue Cross and Blue Shield of Texas (BCBSTX) will be issued to all UT SELECT Medical enrollees before September 1, The new Medical ID Card will feature the same information you are accustomed to seeing on your current ID card plus new language about the Emergency Room benefit and therapy benefit copayments for physical, occupational and speech therapy. See the article on UT SELECT Medical Plan Design Changes elsewhere in this newsletter for more details about these changes. Please do not discard your current UT SELECT Medical ID card until you receive your replacement ID cards. You can still access your benefits with the old ID card. After you receive your new Medical ID card in the mail, you can contact BCBSTX Customer Service at (866) to request additional ID cards for your covered dependents, if needed. Because there are no changes to key benefits information for the Prescription Drug Plan with Express Scripts, UT SELECT Dental plans, the Delta Dental HMO, or Superior Vision plans for the upcoming Plan Year, new ID Cards will not be issued this year to continuing participants in these plans. If you enroll in a new insurance plan type during Annual Enrollment or you change the plan you are currently enrolled in (such as from Vision to Vision Plus), you will receive a new insurance ID card prior to the start of the plan year. CHANGES DURING THE YEAR Outside of Annual Enrollment, you may not make changes to your benefits unless you have certain qualified change of status events including: nmarriage, divorce, annulment, or spouse s death; An employee nbirth, adoption, medical child-support order, or dependent s death; nsignificant change in residence if the change affects you or your dependents current plan eligibility; nchange of job status affecting eligiblity; nchange in dependent s eligibility (e.g., reaching age 26 for UT SELECT Medical, marriage or reaching age 25 for all coverage other than UT SELECT Medical, or gaining or losing eligibility for any other reason); or nsignificant change in coverage or cost of other benefit plans available to you and your family. nwhose dependent loses insurance coverage under the Medicaid or CHIP program as a result of loss of eligibility of either the employee or the dependent; or nwhose dependent becomes eligible for a premium assistance subsidy under Medicaid or CHIP may enroll this dependent in the basic coverage under UT Benefits, as long as the dependent meets all other UT eligibility requirements and is enrolled within 60 days from the date of the applicable event. If enrollment of the dependent is conditioned on enrollment of the retired employee, the retired employee will also be eligible to enroll. You may enroll in or make changes to benefits by contacting your institution HR/Benefits office within 31 days of one of these change of status events. ONGOING: KEEP IN TOUCH If your address or employment changes, it could affect your benefits. Notify your institution if you have one of these changes. Monthly Newsletter Read the UT Office of Employee Benefit montly newsletter. If you don t already receive it, subscribe by entering your address in My UT Benefits. Contact Us Keep the Contacts section of this newsletter to contact insurance vendors for plan information or your institution about your coverage. WHAT DO WE DO & HOW CAN YOU FIND HELP? INSTITUTION Address Change Life Events / Change of Status Eligibility Rates UT BENEFITS Monthly Newsletters Legal Notices Plan Guides Annual Enrollment VENDORS Plan Details ID Cards Value Added Benefits Claim Issues Customer Service A Matter of Health Annual Enrollment Edition for Employees 13

14 UT BENEFITS CONTACTS EMPLOYEES UT ARLINGTON Office of Human Resources (817) Fax: (817) UT AUSTIN Human Resource Services (512) or Toll Free: (800) Fax: (512) UT BROWNSVILLE Human Resources (956) Fax: (956) UT HEALTH SCIENCE CENTER TYLER Office of Human Resources (903) Fax: (903) UT MD ANDERSON CANCER CENTER Human Resources Benefits (713) Fax: (713) Physicians Referral Service (PRS) (713) Fax: (713) UT RIO GRANDE VALLEY Brownsville Human Resources (956) Fax: (956) Edinburg Human Resources (956) Fax: (956) UT SAN ANTONIO Human Resources (210) Fax: (210) UT DALLAS Office of Human Resources (972) Fax: (972) UT MEDICAL BRANCH AT GALVESTON Employee Benefits Services (409) , Option 0 Toll Free: (866) Fax: (409) benefits.services@utmb.edu UT SOUTHWESTERN MEDICAL CENTER Human Resources/Employee Benefits Division (214) Fax: (214) benefits@utsouthwestern.edu UT EL PASO Human Resources (915) Fax: (915) benefits@utep.edu UT PAN AMERICAN Human Resources (956) Fax: (956) hrbenefits@utpa.edu UT SYSTEM ADMINISTRATION Office of Employee Services (512) Fax: (512) esc@utsystem.edu UT HEALTH SCIENCE CENTER HOUSTON Employee Benefit Services (713) Fax: (713) benefits@uth.tmc.edu UT PERMIAN BASIN Human Resources (432) Fax: (432) UT TYLER Office of Human Resources (903) Fax: (903) aclem@uttyler.edu UT HEALTH SCIENCE CENTER SAN ANTONIO Office of Human Resources (210) Fax: (210) ben-admin@uthscsa.edu 14 A Matter of Health Annual Enrollment Edition for Employees

15 CONTACT INFORMATION INSURANCE PLAN ADMINISTRATORS UT SELECT MEDICAL (Blue Cross and Blue Shield of Texas) Group: (866) M-F 8:00 AM-6:00 PM CT UT SELECT PRESCRIPTION (Express Scripts) Group: UTSYSRX (800) hrs a day 7 days a week UT FLEX (PayFlex) Group: UTSYSRX (800) hrs a day 7 days a week LIVING WELL HEALTH PROGRAM livingwell@utsystem.edu. UT SELECT DENTAL and UT SELECT DENTAL PLUS (Delta Dental) Group: 5968 (800) M-F 6:15 AM-6:30 PM CT universityoftexas DELTACARE USA DENTAL HMO (Delta Dental) Group: 6690 (800) M-F 7:00 AM-8:00 PM CT universityoftexas SUPERIOR VISION Group: (800) M-F 7:00 AM-8:00 PM CT Sat 10:00 AM-3:30 PM CT GROUP TERM LIFE (Dearborn National) Group: GFZ71778 (866) M-F 7:00 AM-7:00 PM CT LONG-TERM CARE (CNA) Group: IS (888) M-F 7:00 AM-5:00 PM CT RETIREMENT PROVIDERS FIDELITY INVESTMENTS (800) M-F 7:00 AM-11:00 PM CT VOYA FINANCIAL (formerly ING) (866) M-F 7:00 AM-9:00 PM CT Sat 7:00 AM-3:00 PM CT LINCOLN FINANCIAL GROUP (800) * 8 M-F 7:00 AM-7:00 PM CT TIAA-CREF (800) TDD (800) M-F 7:00 AM-9:00 PM Sat 8:00 AM-5:00 PM CT VALIC (800) M-F 8:00 AM-7:00 PM CT A Matter of Health Annual Enrollment Edition for Employees 15

16 OFFICE OF EMPLOYEE BENEFITS 210 W. 6TH STREET SUITE B.140E AUSTIN, TEXAS Presorted Standard Mail U.S. Postage Paid Austin, Texas Permit No. 391 Annual Enrollment is July 15 - July 31 Important News About Your UT Benefits and Annual Enrollment is Enclosed. For detailed plan information, scan the QR code with your Smartphone or visit our website at