2018 Employee Benefits Open Enrollment BENEFITS CONSULTING, DESIGN & STRATEGIC PLANNING

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1 2018 Employee Benefits Open Enrollment

2 2018 Open Enrollment Open enrollment is the time of year to change your benefit selections without penalty. Open enrollment at Labouré College is November 28 th December 8 th, All paperwork must be into HR no later than December 8 th During the open enrollment period Labouré College employees may: Enroll themselves and eligible dependents in the medial, dental programs as well as enroll in voluntary benefits. Drop medical and/or dental Change election tier from single to single + or family Employee To Do List Complete the Harvard Pilgrim medical enrollment form If new to dental, fill out the Delta Dental enrollment form If you would like to participate in the Mutual of Omaha Voluntary Life program fill out an enrollment form If you would like to participate in the PetAssure/PETplus program fill out the enrollment form. Complete a 2018 FSA election form November 20,

3 Renewal Summary Life and Long Term Disability For 2018 Mutual of Omaha will be our Basic Life and Long Term Disability partner. Effective January 1, 2018 the basic life benefit is now 3x Annual Earnings to a maximum of $500,000. There will be no changes to the Long Term Disability Benefit Labouré College will continue to pay 100% of the premium for Basic Life and Long Term Disability. Voluntary Life and AD&D For 2018 Mutual of Omaha will be our Voluntary Life/AD&D partner. This coverage is 100% employee paid. Voluntary Short Term Disability, Accident and Critical Illness Insurance No change for 2018 These coverages are 100% employee paid. Voluntary Vision No Change, renewing with NVA Dental Insurance Renewing with Delta Dental of Massachusetts No plan design changes Medical Effective January 1, 2018 Labouré College will move to Harvard Pilgrim Health Care Pet Assure We will be introducing Pet Assure Coverage is 100% employee paid November 20,

4 Basic Life and AD&D Insurance Mutual of Omaha Basic Life and Accidental Death & Dismemberment Mutual of Omaha Premiums paid by Labouré College Benefit Eligible Employee: working 20+ hours per week 3x Annual Earnings to $500,000 Guaranteed Issue: $350,000 AD&D 24 hour coverage equal to the life benefit Seat Belt Rider: additional 10% to $25,000 Airbag Rider: additional 10% to $25,000 Coverage is effective upon date of hire Living Care Benefit: 75% to $100,000 Riders and Add-ons Will Prep Enhanced EAP Beneficiary Assistance Travel Assistance w/id Theft November 20,

5 Additional Benefits Mutual of Omaha Will Prep You have access to free, online will preparation services provided by Willing. Willing uses bank-level security to keep your information safe and secure. In just 10 minutes, you can create a personalized will. Here s how it works: Log on to Answer simple multiple choice questions on your computer or smartphone Download and print any document instantly Update your information with any major life change, i.e., marriage, divorce, birth of a child Beneficiary Assistance 24 Hour Assistance Enhanced EAP Service for employees and eligible dependents Unlimited 24/7 telephone access Telephone and assistance and referral Three face-to-face sessions, per household per calendar year Resources for work/life balance, substance abuse and dependent/elder care assistance and referral services Travel Assistance with ID Theft Assistance Pre-trip assistance Emergency assistance while traveling Medical assistance 24/7 emergency travel support ID Theft: prevention, education and recovery November 20,

6 Voluntary Life and AD&D Mutual of Omaha Employee Age Monthly Rates Per $1,000 Employee & Spouse Rate Per $1,000 All Children Rate per $1,000 <25 $.04 $ $ $ $ $ $ $ $.35 Voluntary Life Over 45% savings from current program Participation: 30% Benefit 1x Basic to $250,000 (Guaranteed Issue: $25,000) Spouse can not elect unless employee elects. Example 42 year old employee with a $150,000 basic life benefit Cost:.08 x ($150,000/$1000) = $12/month $ $ $ $ $5.81 Voluntary AD&D Employee per $1,000 Spouse per $1,000 Child per $1,000 $.02 $.02 $.04 November 20,

7 Long Term Disability Mutual of Omaha Mutual of Omaha Eligibility: Employees that are actively at work on the policy effective date, working 30 or more hours per week. LTD coverage is 100% employer paid Benefit Percentage: 60% Maximum and Guaranteed Issue: $10,000 Elimination Period: 90 Days Definition of Disability: 24 month Own Occupation Pre-existing Condition: 3/12. November 20,

8 Dental Benefits Delta Dental of Massachusetts Delta Dental PPO Plus Premier In and Out of Network Benefit Deductible Per Person $50 Deductible Per Family $150 Preventive Care (cleaning, exams, x-rays) covered at: 100% Basic Services (fillings, root canals) covered at: 80% Major Services (crowns, dentures) covered at: 50% Orthodontia to age 19 50% Calendar Year Maximum Orthodontia Lifetime Maximum $1,500/person $1,500/person Bi-Weekly Employee Contribution Individual $3.23 Individual + 1 $24.08 Family $57.19 November 20,

9 Vision Benefits National Vision Administrators No change in schedule of benefits Eligible members and dependents are entitled to receive one (1) pair of lenses and a frame or contact lenses and contact lens evaluation/fitting once every calendar year. If you visit a participating provider you will receive a richer benefit Lenses: NVA provides coverage in full for standard glass or plastic eyeglass lenses. Frames: Select any frame from the participating provider s inventory. Any amount in excess of your plan allowance is the member s responsibility. Contact Lenses: The contact lens benefit includes all types of contact lenses such as hard, soft, gas permeable and disposable lenses. Medically necessary contact lenses may be covered with prior authorization when prescribed for: post cataract surgery, correction of extreme visual acuity problems that cannot be corrected to 20/70 with spectacle lenses, Anisometropia or Keratoconus. Non-Participating Providers: You will be responsible for one hundred percent (100%) of the cost at the time of service at a nonparticipating provider. 100% Employee Paid Bi-Weekly Employee Contribution Individual $2.24 Individual +1 $4.47 Family $8.05 November 20,

10 Medical Benefits Harvard Pilgrim Health Care HPHC Best Buy HMO $1,000 MD /RX PPO $1,000 MD /RX In Network Out of Network Co-pay $25/$40 $25/$40 Deductible $2,000/$4,000 $2,000/$4,000 $2,000/$4,000 Out of Pocket Maximum $6,600/$13,200 $6,600/$13,200 Chiropractor/Spinal Manipulative Therapy $40/visit 20/year $40/visit 20/year Deductible Acupuncture $40/visit 20/year $40/visit 20/year Deducible Emergency Room $150 copay $150 copay Ambulance Deductible Deductible, then 10% coinsurance Deductible Routine Exams and Preventive Care No charge No Charge Deductible Consultations, evaluations, sickness and injury care $25/$40 Outpatient Surgery and Inpatient Services Deductible Deductible Deductible Rx Copay Retail 30 day Rx Copay Mail order 90 day $15/$30/$50/$100 $30/$60/$150/$300 $15/$30/$50/$100 $30/$60/$150/$300 November 20,

11 Pet Assure New for 2018 is Pet Assure No minimum enrollment requirements This is NOT insurance Discount Plan Less expensive No exclusions or underwriting Voluntary discount pet program Pet Assure: Doc s PETplus: Scripts Pet Assure PETplus Single Pet $8.00/month $3.75/month (dog or cat) Unlimited Pets/household $11.00/month $7.50/month (dogs and cats) November 20,

12 Contact Information What Who /Website Phone General Questions Benefit Questions Claim Questions Sage Benefit Advisers: Our consultant Sage Benefit Advisers: Our consultant Sage Benefit Advisers: Our consultant Sagebenefit.com Sagebenefit.com Sagebenefit.com : The Labouré Benefits Line : The Labouré Benefits Line : The Labouré Benefits Line Flexible Spending PayPlans & Benefits Payplansandbenefits.com Human Resources Martha Dove Marth_Dove@laboure.edu Tanya Robinson Tanya_Robinson@laboure.edu November 20,