Open Enrollment 2017 Information Session

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1 Open Enrollment 2017 Information Session

2 Agenda General Information Medical Plans Non-medical Plans Health FSA Overview of Disability Plan for 2017 Other Considerations 2

3 Open Enrollment for 2017 Starts - 8:00am, Thursday October 27, 2016 Ends - 5:00pm, Tuesday November 22, 2016 OE system access ends promptly at 5:00pm on November 22, No exceptions. 3

4 Open Enrollment 2017 Events HR Campus Info Sessions 10/25, 11/1, 11/10, and 12pm - HR Training Room, 111Theory, Suite 200 Nat Sci. I, Rm 1114 HR Health Sciences Info Sessions Med Ed Telemedicine Theater B001 Bldg 53 Auditorium, UCI Medical Center HR Medical Center Help Desks 11/1@ 7:30am UCIMC Breezeway 11/8@ 12pm Classroom B, 8 th Floor, 200 Bldg. HR Campus Disability Plan Sessions and - HR Training Room, 111Theory, Suite 200 HR Health Sciences Disability Plan Sessions Med Ed Telemedicine Theater B001 Bldg 53 Auditorium, UCI Medical Center HR Medical Center Disability Plan Sessions 11/7@ 12pm Room 2116, Bldg 22A 11/10@ 12pm Room 121, Classroom D, Bldg 53 Open Enrollment 2017 Fairs 11/15 11am 2pm Lawn, Building 55 UCI Medical Center 11/16 9am 3pm Newkirk Alumni Center 4

5 2017 Medical Pay Band Adjustments The pay band thresholds are adjusted each year based on the Consumer Price Index (CPI) from the California Department of Finance based on the urban wage earners and clerical workers (CPI-U) Pay Band Definition of Range for Medical Contribution Base Using Full-Time Salary As of Jan Pay Band Definition of Range for Medical Contribution Base Using Full-Time Salary As of Jan $51,000 & Under 2 $51,001 to $102,000 3 $102,001 to $153,000 4 $153,001 & Over 1 $53,000 & Under 2 $53,001 to $104,000 3 $104,001 to $156,000 4 $156,001 & Over

6 Medical Plans

7 2017 Medical Program Plan Line-up 2017 Non-Medicare Plans UC Care Core UC Health Savings Plan (HSP) Health Net Blue & Gold Kaiser Permanente Western Health Advantage 2017 Medicare Plans UC Medicare PPO UC Medicare PPO without Prescription Drug UC High Option Supplement to Medicare Kaiser Senior Advantage Health Net Seniority Plus OneExchange Medicare (outside CA)

8 Health Net Blue & Gold NEW FOR 2017 Infertility coverage for Gamete Intrafallopian Transfer (GIFT) at 50% coinsurance Preventive medications at pharmacy expanded to include colonoscopy preparation drugs at no charge* *(In 2016 was $5/$25/$40)

9 Health Net Blue & Gold NEW FOR PROVIDERS FOR 2017 Facey Medical Group in Los Angeles & Ventura counties Monarch HealthCare Medical Group in Orange county Primary Care Associates Medical Group in San Diego county

10 PPO Administrator Changes Medical Anthem Blue Cross replaces Blue Shield for all PPOs. Health Equity continues as health savings account custodian for HSP. Behavioral health Anthem Blue Cross replaces Optum for UC Care and HSP. Anthem replaces Blue Shield for Core and the Medicare PPOs. Prescription Drugs OptumRx replaces Blue Shield for all PPOs

11 UC Health Savings Plan Health Savings Account (HSA): Individual Contribution Limit will increase from $3,350 to $3,400 Minimum threshold balance for investing HSA funds is changing from $2,000 to $1,000

12 UC Health Savings Plan & Core Travel benefit maximums for transplants, transgender and bariatric surgery will change from $5,000 one-time maximum to: $10,000 per transplant at a designated Center of Medical Excellence or Blue Distinction Center for Specialty Care $10,000 per transgender surgery or series of surgeries $5,000 per bariatric surgery at a designated Center of Medical Excellence or Blue Distinction Center for Specialty Care

13 UC Health Savings Plan & Core Telehealth vendor will change from Teladoc to LiveHealth Online

14 Core NEW FOR 2017 Benefits for transgender services at 20% coinsurance after deductible

15 UC Care, Out-Pocket Maximums Covered Service CURRENT Medical Behavioral Health (Optum carve out, coaccumulates with Medical) UC Select Individual $1,500/Family $4,500 Anthem Preferred Individual $3,000/Family $9,000 Individual $1,500/Family $4,500 Out-of-Network Individual $5,000/Family $15,000 Individual $5,000/Family $15,000 Pharmacy Individual $3,600/Family $4,200 None

16 UC Care, Out-Pocket Maximums NEW FOR 2017: Medical, Behavioral Health and Pharmacy Maximum Out-of-Pocket will be combined Medical, Behavioral Health and Pharmacy Individual $5,100/Family $8,700 Individual $6,600/Family$ 13,200 Individual $8,600/Family $19,200 Note: UC Select and Anthem Preferred Out-of-Packet maximums cross accumulate. UC Select/Anthem Preferred and Out-of-Network Out-of-Pocket maximums do not cross accumulate. In-Network Pharmacy and Behavioral Health Out-of-Pocket expenses accumulate toward the UC Select Maximum.

17 Health Savings Plan Open Enrollment HSA Election Changes made during Open Enrollment Effective January 1, 2017 Reflected on 1 st 2017 paycheck Contributions posted at HealthEquity within 5 days of payday Changes can also be made at anytime using UPAY850 form

18 Health Savings Plan New hires or enrollment in 2017 UC 2017 Contribution Amount is based on your 2017 Health Savings Plan coverage level Employee = $500, Employee + 1 dependent or more = $1,000 One time contribution, no changes during the year Contributions posted at HealthEquity within 5 days of payday Employee Contributions HSA contributions effective on next pay cycle after enrollment May be changed at any time

19 ID Cards Plan Vendor New ID Cards in Jan 2017 Anthem Blue Cross HealthEquity (HSA debit card) Health Net Blue & Gold Kaiser Permanente Western Health Advantage Delta Dental Vision Service Plan CONEXIS(FSA debit card) All members Only new members, card is good for 3 years from issue date All members Only new members Only new members N/A N/A Only for new members, card is good for 3 years from issue date

20 Non-Medical Plans

21 Non-Medical Health & Welfare Plans Dental Vision Accidental Death & Dismemberment (AD&D) Legal

22 Dental Plans Both plans continue to be fully paid by UC on behalf of employees Delta Dental continues as the carrier PPO New coverage of risk-based second oral exam per year Orthodontia $1,500 max for children is applied as long as treatment initiated prior to 26 th birthday and billed within one year DHMO Some slight benefit enhancements due to dental coding changes

23 Vision Plan VSP continues as the carrier Active Employees No benefit changes No change to premium rate Plan continues to be fully paid by UC on behalf of employees

24 AD&D Plan Prudential will be carrier in 2017 No change to rates for active employees Slight benefit changes to the plan Addition of benefits for Felonious Assault and Bereavement/Trauma Counseling See plan booklet for other minor changes Always open for enrollment

25 Legal Plan ARAG continues as the carrier Open for new enrollment New benefits added coverage for legal assistance related to: Tax planning, preparation and audits Administrative hearings (e.g., educational, building/zoning/easements, Social Security/veterans/Medicare benefits, and more) Domestic violence protective orders New live chat feature on website

26 Flexible Spending Accounts

27 Health FSA Reminder The Health FSA maximum contribution amount is $2,550 You must re-enroll if you want to participate in 2017 You must contribute a minimum of $180 per year If you enroll in the UC Health Savings Plan, you cannot enroll in the Health FSA

28 Health FSA 2016 timeline You have until December 31, 2016 to incur eligible expenses for reimbursement from 2016 plan year funds The 2016 plan year has a run-out period which provides additional time to submit claims for eligible expenses incurred in The run-out period is January 1, 2017 through April 15, 2017 The deadline to file claims for expenses incurred in 2016 is April 15,

29 Health FSA - carryover reminder You may carry over up to $500 of unused Health FSA funds into the next plan year Carryover balance is determined after the April 15 run-out period (early May of the following plan year). Unused funds greater than $500 are forfeited

30 Health FSA: effective 2017 Plan Year If you do not re-enroll in the Health FSA for 2017: You must have a minimum of $25 in your account to be able to carry over remaining funds into the next plan year. Remaining funds under $25 are forfeited Remaining funds will only be carried over for one plan year.

31 Health FSA: effective 2017 Plan Year IRS Guidance Carryover and COBRA Prior to the IRS guidance, separated participants could not carryover funds unless they continued coverage through COBRA Starting in 2017, employees enrolled in the Health FSA who experience a COBRA qualifying event now have access to carryover funds similar to employees who do not re-enroll in the Health FSA Must have a $25 balance for funds to carryover Funds under $25 are forfeited Funds will only carryover for one plan year

32 Dependent Care FSA Unlike Health FSA, no change to grace period extension (no carry-over feature) Must re-enroll if you want to participate in 2017 Minimum contribution of $180 per year Maximum contribution of $5,000 per year ($2,500 if married filing a separate tax return) Last day to submit claims is April 15, 2017 for the 2016 plan year

33 Disability Plan

34 OE Highlights New Disability Plan Options for 2017 Expands coverage to all benefits eligible (full, mid-level or core) One-time opportunity to enroll in Short-Term Disability (benefits up to six months), Long-Term Disability (benefits after six months, up to your social security age) or both Cannot be denied enrollment Current Basic still max of $800/month for 6 months STD and LTD both provide 60% of eligible pay, up to $15,000 One waiting period: 14-days 34

35 OE Highlights New Disability Plan Options for 2017 (cont d) Considerations LTD might be a good option for faculty or employees with large sick leave balance If no action taken during OE and currently enrolled in Supplemental Disability will be automatically enrolled in both STD and LTD Disability rate calculator will be posted the week of October 24 35

36 Summary of New Plan Features Up to $800 Max Up to $15,000 Max Up to $15,000 Max 36

37 Making Changes

38 Online resources Benefits education videos on UCnet o o o o Medical Plan Comparison (English & Spanish) Medical Terms and Concepts Making the Most of Your Medical Benefits Disability Insurance News stories on UCnet Medical Plan Chooser OE website launches ucnet.universityofcalifornia.edu/oe

39 For Open Enrollment Enroll online via the At Your Service Online website atyourserviceonline.ucop.edu/ayso/ Please don t wait until the last minute to use the online system Usernames? Passwords? Beneficiaries? Please review and confirm your enrollment changes Print a copy of your confirmation for your records 39

40 PIN/Password Resets Three options to reset password: You can have a temporary password ed to you using your address of record If you have provided answers to the "challenge questions" you may set a new password after answering three of the questions. You can contact the UC Customer Service Center: For additional assistance: X benefits@uci.edu: Password Reset in subject line.

41 New Hires During OE 1. Must first enroll in 2016 current benefits through At Your Service Online (AYSO) New Hire application 2. Step 1 must be completed first. After 24 hours, employee can go to AYSO OE application to make any changes on Open Enrollment Site for

42 Things to Remember for OE Open Enrollment Dates Thursday, October 27, :00am through Tuesday, November 22, :00pm Be sure to confirm enrollments/changes Information can be found at: Questions? Include in subject Open Enrollment UC Customer Service Center:

43 Questions???? 43

44 Fall Benefits Training

FOR FACULTY AND STAFF

HIGHLIGHTS New disability options Good news about costs PPO medical plan vendor changes FOR FACULTY AND STAFF October 27 November 22, 2016 YOUR OPEN ENROLLMENT TO DO LIST Now is the time to make sure you