2018 Open Enrollment TWU. October 30 November 17, Benefits Effective January 1, Your Columbia University Benefits. Inside This Brochure

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1 2018 Open Enrollment October 30 November 17, 2017 TWU Benefits Effective January 1, 2018 Your Columbia University Benefits As a member of TWU, you can take advantage of a comprehensive benefits package. Now is the time to review your options, think about any changes in your personal situation and choose the benefits options that will best meet your needs for How To Enroll: Log in to the CU Benefits Enrollment System The CU Benefits Enrollment System gives you secure access to personalized information about your benefits. The site is available 24/7 from any computer with Internet access, which means you can enroll anytime during Open Enrollment. To get started: 1. Go to hr.columbia.edu/support-staff. 2. Click on Log In: Benefits Enrollment System and enter your UNI (University Network ID) and password. 3. Review the online enrollment tools. 4. Select Click Here: 2018 Open Enrollment to begin the election process. 5. Make your elections for Medical and Dental benefits, Life Insurance, Healthcare Flexible Spending Account (FSA), Dependent Care FSA and Transit/Parking Reimbursement (T/PRP) account. Remember: You must enroll in your 2018 benefits by November 17, The choices you make during Open Enrollment will stay in effect all year unless you experience a Qualified Life Status Change (see page 4 for more details). That is just one more reason to take the time to choose carefully now. Inside This Brochure This brochure is designed to help you understand the benefits options available to you at Columbia University. Learn about benefits changes for View the complete list of 2018 Monthly Pre-Tax Contributions for Coverage...3 Important Reminders...5 What Happens if You Don t Enroll If you do not make an election for 2018: You will no longer have coverage for: Healthcare FSA Dependent Care FSA Note: You must re-enroll for 2018 in order to have coverage under these programs for the calendar year beginning January 1, You will be automatically re-enrolled in your current 2017: Medical Vision Dental T/PRP Optional Life Insurance 1

2 Before you log in to the CU Benefits Enrollment System to make your choices, think about your benefits needs for next year and learn about the 2018 changes and how they may affect your enrollment decisions. What s New for 2018 Expanded Travel Vaccination Coverage. If you are traveling out of the country, travel vaccinations will now be covered under the medical plan (for the Choice Plus 80 plan, deductible and coinsurance will apply). New Preventive Care Coverage. To learn more, go to The following programs are available at no cost to you if you are covered under the University s Term Life Insurance Program: Health Advocate. Free 24/7 health advocacy services can help you and your spouse, dependent children, parents and parents-in-law with a variety of healthcarerelated questions and provide support, advice and coordination. Health Advocates can help you navigate Columbia benefits, contact healthcare providers, make medical decisions and figure out healthcare costs. To learn more, go to hr.columbia.edu/health-advocate. Identity Theft Program. Cigna s Identity Theft Program provides resolution services to help you work through critical identity theft issues and gives assistance with credit card fraud and financial and medical identity theft. The program provides tools and guidance to help with prevention, detection and resolution. To learn more, go to hr.columbia.edu/identity-theft-program. Special Enrollment Opportunity Optional Life Insurance. If you currently have: xno Optional Life Insurance Coverage you can elect additional amounts up to 5x your Annual Benefits Salary up to a maximum of $1,000,000 of Optional Life with a simplified Evidence of Insurability (EOI).* xexisting Optional Life Insurance Coverage you can increase your current Optional Life Insurance coverage from: 3x up to a maximum of 5x your Annual Benefits Salary with a simplified EOI;* or 1x to 2x or 2x to 3x your Annual Benefits Salary up to a maximum of $500,000 without having to provide EOI.* If you canceled or were previously denied coverage for Optional Life Insurance, you can still take advantage of this enrollment opportunity. Online Will Preparation Services. Plan for your family s future and financial well-being. Cigna s Will Center is secure, easy to use and available to you and your covered spouse or same-sex domestic partner seven days a week, 365 days a year. To learn more, go to hr.columbia.edu/will-preparation-services or to get started, go to cignawillcenter.com. * Shortened enrollment form 2

3 Cost of Coverage Your 2018 Monthly Pre-Tax Contributions for Medical, Vision & Rx Coverage Contributions are the amount you pay toward the cost of your medical, dental, vision and prescription drug coverage through your pre-tax payroll deductions. Your healthcare contributions are deducted from your pay before any taxes are taken out. Monthly Medical Contributions Health Plan Yourself Only Yourself & Child(ren) Yourself & Spouse or Same-Sex Domestic Partner Family Full-Time (hired on or after 4/1/13) Choice In-Network $40.00 $62.50 $67.50 $90.00 Choice Plus 80 $0.00 $0.00 $0.00 $0.00 Full-Time (hired prior to 4/1/13) Choice In-Network $0.00 $0.00 $0.00 $0.00 Choice Plus 80 $0.00 $0.00 $0.00 $0.00 Part-Time Choice In-Network $354 $671 $742 $1,060 Choice Plus 80 $338 $643 $710 $1,014 Same-Sex Domestic Partners Federal income tax rules require that your contributions toward coverage of a same-sex domestic partner be deducted from your pay on an after-tax basis. In addition, University contributions toward the total cost of coverage for your same-sex domestic partner are taxable to you. To assist with this tax burden, if you elect same-sex domestic partner medical coverage, Columbia will provide a credit of $1,000 per year ($41.67 twice a month) beginning the pay period following the effective date of your election Monthly Pre-Tax Contributions for Dental Your Monthly Cost (Contributions) for EmblemHealth Dental* Yourself $0 Family** $0 Your Monthly Cost (Contributions) for Aetna Dental* Yourself $27 You Plus One $68 Family $109 * Part-Time TWU members are not eligible for dental coverage. ** Dependent children can only be covered under EmblemHealth Dental through the end of the calendar year in which they turn age 19. 3

4 Making Changes to Your Benefits The IRS restricts when you can add coverage for a dependent or make changes to your healthcare benefits during the year. After annual Benefits Open Enrollment, you will only be able to change most benefits for the remainder of the calendar year if you experience a Qualified Life Status Change. Examples of a Qualified Life Status Change include marriage, divorce, birth, adoption and loss of eligibility for coverage. For a full list of Qualified Life Status Change examples, go to If you have a Qualified Life Status Change during the year, you must go to the CU Benefits Enrollment System and make your changes within 31 days of the event. For example, if you welcome a new baby to the family, you have 31 days from the baby s birth to add them to your health insurance. The benefits changes must be consistent with the nature of your Qualified Life Status Change. In addition, you must provide proper documentation for your change, such as a birth certificate, marriage certificate or divorce decree. Making a Qualified Life Status Change on the CU Benefits Enrollment System To change your benefits during the year, go to and select Log In: Benefits Enrollment System ; then, enter your UNI and password. Once you log in to the Benefit Enrollment System, complete the steps below: 1. Select Make a Qualified Life Status Change by clicking here. 2. When you get to the What Happened screen, select your Qualified Life Status Change event from the dropdown menu. Next, provide the Event Date (date of your Qualified Life Status Change). 3. On the Your Covered Dependents screen, click Add Dependents to add your dependent s personal data. When you return to the Dependent page, check the box for medical and/or dental coverage for your new dependent. Then, continue to the Qualified Life Status Change Worksheet screen. Note: The Enrollment System will provide you with a Dependent Verification Form, which includes the documentation deadline. Print this form and submit it with your documentation to hrbenefits@columbia.edu. 4. On the Qualified Life Status Change Worksheet screen, if you would like to change any additional allowed benefits, you can do so at this time. Once you are finished making changes, click Continue. 5. At the bottom of the Benefits Enrollment Confirmation screen, click Save & Submit to ensure your event is submitted to the CU Benefits Enrollment System database. Please contact the Columbia Benefit Service Center at if you have any problems changing your benefits for your Qualified Life Status Change. Important Note: You cannot enter the Qualified Life Status Change in the CU Benefits Enrollment System earlier than the event date the change must be submitted within 31 days of the event date. 4

5 Important Reminders Choose Your Coverage Carefully Elections or changes you make during Benefits Open Enrollment will become effective on January 1, 2018, and will be in effect for the 2018 calendar year. If you do not enroll between October 30 and November 17, you will need to wait until next year s Open Enrollment to enroll or make changes to your benefits unless you experience a Qualified Life Status Change. Enrolling in the T/PRP Program You may enroll in the Transit/Parking Reimbursement Program (T/PRP) at any time during If you would like to newly enroll in or make changes to your T/PRP account, you must do so during Open Enrollment, or your election may not be in place for January 1, If you enroll or make changes to the T/PRP before the 20th of the month, your enrollment will be effective the first day of the next month. Make Catch-up Contributions to the VRSP If you are age 50 (or will be age 50 in 2018), you can contribute an additional $6,000 in pre-tax contributions to your Voluntary Retirement Savings Program (VRSP) account. This means you can contribute a total of $24,000 to the VRSP in 2018.* Review Beneficiaries Update your beneficiary information for life insurance and the retirement plans. Renew or Open a New FSA Flexible Spending Accounts (FSAs) allow you to set aside money on a before-tax basis (in equal installments from your paycheck twice a month) to pay for eligible healthcare and dependent care expenses. Healthcare and Dependent Care FSAs can help you save money by giving you a tax break. The current IRS limit for the Healthcare FSA is $2,600 and $5,000 for the Dependent Care FSA.* To participate in 2018, you must enroll during Open Enrollment. * IRS limits are subject to change. 5

6 Medical Plan Comparison Chart Benefit Choice In-Network Choice Plus 80 In-Network Out-of-Network* In-Network Out-of-Network* Annual Deductible (per person) N/A N/A $400 $600 Coinsurance (% paid by CU) 100% N/A 80% after deductible 60% after deductible Out-of-Pocket Maximum (Individual) $3,500 N/A $3,000 $4,500 Out-of-Pocket Maximum (Family) $7,000 N/A $6,000 $9,000 Preventive Care 100% N/A 100% Not covered Physician Office Visits $30 copay N/A $30 copay 60% after deductible Laboratory/Radiology Services, including services rendered in a physician s office 100% if non-hospital location; if hospital** N/A 80% after deductible 60% after deductible Inpatient Hospital Care $500 copay per admission N/A 80% after deductible 60% after deductible; Precertification required Outpatient Hospital Care Mental Health and Substance Abuse Inpatient Care Mental Health and Substance Abuse Outpatient Programs Mental Health and Substance Abuse Outpatient Counseling Emergency Room Basic and Comprehensive Infertility Treatment Advanced Infertility Treatment Prescription Drug Coverage with OptumRx (including lab and radiology)** N/A 80% after deductible 60% after deductible; Precertification required $500 copay per admission N/A 80% after deductible 60% after deductible; Precertification required $30 copay N/A $30 copay 70% after deductible for facility-based care, including intensive outpatient programs; Precertification required $30 copay N/A $30 copay 70% after deductible (waived if admitted) Unlimited benefit for diagnosis and basic medical treatment, including artificial insemination $30,000 lifetime maximum for advanced treatments and Assisted Reproductive Technology including IVF, GIFT and ZIFT Retail (30-days) Generic: $10 copay Single-source: $25 copay Multi-source: $45 copay Mail-order (90-days) Generic: $15 copay Single-source: $50 copay Multi-source: $90 copay (waived if admitted) N/A N/A N/A (waived if admitted) (waived if admitted) Unlimited benefit for diagnosis and basic medical treatment, including artificial insemination $30,000 lifetime maximum for advanced treatments and Assisted Reproductive Technology including IVF, GIFT and ZIFT Retail (30-days) Generic: $10 copay Single-source: $25 copay Multi-source: $45 copay Mail-order (90-days) Generic: $15 copay Single-source: $50 copay Multi-source: $90 copay * Out-of-Network coinsurance reimbursement is indexed to 190% of the Medical Maximum Allowance Charge (MAC), including expenses in excess of the out-of-network out-of-pocket maximum. ** No copay for Lab and Radiology at certain designated NYP locations. See the list of NYP participating locations at nyp-outpatient-laboratory-locations. Note: The in-network deductible, coinsurance and medical and prescription drug copays accumulate toward the in-network out-of-pocket maximum. In the Choice Plus 80 plan, out-of-network out-of-pocket expenses accumulate toward the in-network out-of-pocket maximum. The above chart represents highlights of Plan provisions. Clinical medical management restrictions and other limits apply. See Benefit Summaries at Important Notes: UHC s Choice network is a national provider network and does not require a primary care physician or referrals to see specialists. UHC requires precertification for some services. If you use an in-network provider, your participating network physician or hospital generally handles the precertification process. However, it is your responsibility to confirm that your provider has obtained the necessary authorizations from UHC. If you see a provider who is out-of-network, you are responsible for obtaining precertification for most services except routine office visits. Check your Summary of Benefits and Coverage (SBC) and Summary Plan Descriptions (SPDs) available online at 6

7 Vision Coverage All Support Staff and their covered dependents who participate in any of Columbia s medical plan options are covered by a vision benefit. Vision Benefits Choice In-Network Choice Plus 80 Routine Eye Exams Lenses Frames Contact Lenses In-network Adults: One exam every 12 months with a $10 copay Children:* One exam every 12 months with a $10 copay Adults:** Every 24 months, $20 allowance for single lenses, $30 for bifocal, $40 for trifocal or $75 for lenticular Children:* Lenses covered in full every 12 months (more frequently if medically necessary) Adults:** $30 allowance every 12 months. Children:* Up to $100 covered in full every 12 months (more frequently if medically necessary). Cost above $100 covered at 60%. Adults:** $75 allowance every 12 months Children:* Single purchase of a pair of contact lenses or 1 box of contact lenses per eye covered at 100%. In-Network and Out-of-Network Adults: One exam every 12 months with a $10 copay Children:* One exam every 12 months with a $10 copay Adults:** Every 24 months, $20 allowance for single lenses, $30 for bifocal, $40 for trifocal or $75 for lenticular Children:* Lenses covered in full every 12 months (more frequently if medically necessary) Adults:** $30 allowance every 12 months. Children:* Up to $100 covered in full every 12 months (more frequently if medically necessary). Cost above $100 covered at 60%. Adults:** $75 allowance every 12 months Children:* Single purchase of a pair of contact lenses or 1 box of contact lenses per eye covered at 100%. * Child is defined as a member less than age 19. ** Available for either frames and lenses OR contact lenses. Provider might require payment in full at the time of service. The patient then submits a claim to UHC for reimbursement. For a listing of vision providers, please visit Click Coverage & Benefits, Vision and then Vision benefits highlights to be taken to the UHC vision website. Dental Coverage Emblem Health Preferred Dental Benefits Plan B covers preventive, basic and major services. You may choose to use a participating EmblemHealth Preferred Program dentist or go to a nonparticipating dentist. When you receive care from a nonparticipating dentist, you pay the provider up front, and then file a claim for reimbursement. You ll be reimbursed up to the allowance shown on the EmblemHealth Dental fee schedule for covered services, which is available from EmblemHealth. If you use a participating dentist, no forms are required. For a listing of EmblemHealth dentists, go to emblemhealth.com/find-a-doctor/directory and select Dental Preferred from the menu. For more information, call EmblemHealth at Aetna Columbia Dental Plan provides you with the flexibility to see Columbia University College of Dental Medicine faculty and alumni, called the Columbia Preferred Dental Network, along with the national Aetna PPO network of dentists, all under one comprehensive program. You may also see a dentist outside of the network, although your cost will be significantly higher whenever you use out-of-network dentists. For a listing of participating dentists, go to There are no changes to your dental plan options for For more information, go to to view the Benefits Highlights. 7

8 Benefits Expos Locations Morningside Campus Alfred Lerner Hall Roone Arledge Auditorium 2920 Broadway (at 115th Street) New York, NY Lamont-Doherty Earth Observatory: Benefits Forum Monell Building Lobby 61 Route 9W Palisades, NY CUMC Armand Hammer Health Sciences Center Teaching and Learning Center (lower level) 701 West 168th Street (at Ft. Washington Ave.) New York, NY Dates and Times Wednesday, November 1: 10:00 a.m. 4:00 p.m. Preventive Health Screenings: 9:00 a.m. 3:00 p.m. Flu Vaccines: 9:30 a.m. 4:00 p.m. Monday, November 6: 10:00 a.m. 12:00 p.m. Thursday, November 9: 10:00 a.m. 4:00 p.m. Preventive Health Screenings: 9:00 a.m. 3:00 p.m. Know Your Numbers Free Preventive Health Screenings Join us this fall at the Benefits Expos, where you can take advantage of complimentary health screenings to check your blood pressure, cholesterol and glucose levels. Results are available while you wait and a certified health professional will help you understand them. If you register in advance, you can fast before your appointment to receive additional values of LDL cholesterol and total triglycerides. Pre-register online at my.questforhealth.com and select Register Now (Registration Key: cu2017). Don t take your health for granted know your numbers! References and Resources More reference materials are available on the Columbia Benefits website. Go to to review the Benefits Highlights, the Summaries of Benefits & Coverage, annual legal notices, Benefits FAQs, vendor contacts and glossary. Questions? If you have any questions, please contact the Columbia Benefits Service Center at Please note our extended hours during Open Enrollment, Monday through Friday 9:00 a.m. to 5:00 p.m. About This Communication Benefits Brochure summarizes the changes to the benefits programs that are available to benefits-eligible employees of Columbia University. This communication is intended to be a Summary of Material Modifications (SMM) to the Medical Plans and other benefits programs. It does not include important information about exclusions and limitations. For additional details of benefits coverage, eligibility, limitations and exclusions, you must refer to the Summary Plan Description (SPD), the Summary of Benefits and Coverage (SBC) and the Benefits Highlights online at You may also want to request to receive a paper copy of an SPD or SMM by contacting the Columbia Benefits Service Center at As a requirement of the Patient Protection and Affordable Care Act, Columbia University must provide a SBC to all participants and their dependents. The SBC is designed to provide you with an easy-to-understand summary about a health plan s benefits and coverage and to help you better understand and evaluate your health insurance choices. An SBC for each medical plan is available at You may request to receive a paper copy of any SBC by contacting the Columbia Benefits Service Center at You are entitled to receive these Plan documents under the Employee Retirement Income Security Act of 1974 (ERISA). You also have other important rights and protections under ERISA, which are explained in more detail in the Summary Plan Descriptions. You can find the documents online at If there are any discrepancies between the information in this publication, verbal representations and the Plan documents, the Plan documents will always govern. Columbia University reserves the right to change or terminate these benefits Plans at any time. This publication is in no way intended to imply a contract of employment. The Columbia University Group Benefit Plan (the Plan ) complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability or sex. 8