Welcome to Benefits Annual Enrollment

Transcription

1 2019 BENEFITS ANNUAL ENROLLMENT GUIDE Benefits Annual Enrollment October 24 November 7, 2018 What s Inside Your Benefits Checklist What s Changing Get to Know the EPO Compare Medical Plans Kevin Brady Chief Human Resources Officer Welcome to Benefits Annual Enrollment Annual Enrollment is almost here, and you may be asking what impact the Advocate Aurora Health merger will have on your benefits. For the most part, Advocate and Aurora s benefits will remain separate in 2019, with only a few harmonized changes (life insurance, vision coverage and ensuring that all.9 positions are classified as full-time benefits eligible). While we are looking at how to harmonize all remaining benefits in the future, we are taking a very measured, thoughtful approach. A team of Advocate and Aurora team members is assessing the range of benefits each organization offers as part of its total rewards package, and will make recommendations on how we move forward. With more than 70,000 team members, a key focus of our work is to understand the needs of a diverse, multigenerational workforce. Our goal is to then determine how we use our benefits dollars wisely to offer plans and programs our team members value, and that best protect and support them and their families. This work will continue into next year, and any future changes will be fully communicated. Advocate Aurora Health has an ambitious goal of transforming health care. Our team member philosophy remains consistent with that of our legacy organizations we are committed to providing the best work environment for our staff and competitive total rewards so that we can fulfill our purpose of helping people live well.

2 Your Benefits Checklist Prepare Review your current medical, dental, and/or vision coverage. Estimate out-of-pocket costs if you want to contribute to a Health Care or Dependent Care Flexible Spending Account. Consider the option to elect PTO Cash Out, if eligible. Determine if your current life, dependent life, long term care insurance coverage provides adequate protection for your family. Explore your benefits Review 2019 benefit options online: advocatebenefits.com > Login > Benefits Information > AE2019 Use Jellyvision, the online Decision Support Tool: advocatebenefits.com > Login > Benefits Information > What s New > Jellyvision Review your personalized 2019 Benefits Enrollment Guide mailed to your home by Oct. 24 Attend a Benefits Fair October 1 25 Oct 1 ACL Oct 2 Advocate Medical Group West Oct 3 Advocate Physician Partners Oct 4 Advocate BroMenn Medical Center Oct 4 Advocate Eureka Oct 5 Advocate Lutheran General Advocate Children s Oct 8-9 Advocate Christ Medical Center Advocate Children s Oct 10 Advocate Trinity Oct 12 Advocate South Suburban Oct 15 SRCO Oct 16 Advocate Good Samaritan Oct 17 Advocate Medical Group Bryn Mawr Oct 18 Kensington Support Center Oct 19 Advocate Support Center Downers Grove Oct 22 Advocate Condell Medical Center Oct 23 Advocate Sherman Oct 24 Advocate Good Shepherd Oct 25 Advocate Illinois Masonic Medical Center Elect online October 24 November 7 Visit advocatebenefits.com > Login > Health & Well-Being tile Make any changes to medical, dental, vision coverage and/or optional life insurance Add or change a dependent* Enroll in Flexible Spending Account: Health Care, and/or Dependent Care Elect PTO Cash Out Part-Time B team members must elect disability coverage during Annual Enrollment to start and/or stop this benefit Reminder: If you plan to elect medical benefits, complete the 2019 Tobacco Affidavit to avoid the tobacco surcharge. Visit advocatebenefits.com > Login > Healthe You * If you added or changed a dependent, you will be required to provide supporting documentation within 45 days of adding the dependent. Questions? Contact Advocate Benefits Service Center, , 8 am 6 pm, M F

3 2019 What s Changing Medical Advocate will continue to offer team members the choice among three medical plan options. Advocate pays about 75% of your medical coverage. In 2019, the average increase in team member contributions across all medical plans is 3% (Note: Average increase for employers is 5-6%). Per paycheck contributions are based on the coverage level and plan you choose, years of service and annual salary. Prescription Express Scripts will be the new plan administrator. Preferred and non-preferred brand name prescription drugs will change to a coinsurance model, which means you pay a percentage of the cost for non-generic drugs. Look inside for the Transitioning to Express Scripts Checklist. Dental Team member contribution rates for the MetLife PDP Plan with Orthodontia and the MetLife PDP Plan without Orthodontia will increase an average of 6%. Vision Enhanced benefits and team member contribution rates will increase an average of 1%. Life Insurance Basic Life Insurance coverage for exempt associates is changing from 1.5 to 1X base salary. Optional life insurance coverage limits are increasing. Healthe You A Simpler Way to Earn Rewards: Eligible team members participating in Healthe You will now earn a portion of the total incentive dollars after taking the Health Risk Questionnaire and completing an Initial Measures Screening. 401(k) Retirement Savings Plan IRS limits: IRS limits are subject to change and will not be available until mid to late October. Refer to advocatebenefits.com > Login > Benefits Information > Retirement. The Aurora Physician ¾ EPO members must use Advocate physicians, specialists and facilities to receive the highest level of benefits, as well as the 10% discount applied for Advocate hospitals and facilities. If using Aurora Health Care physicians the same lower level of benefits would be paid as if using providers in the Humana or Health Alliance networks. No facility discount would apply. Team members should check with their EPO plan administrator, Humana (Advocate) or Health Alliance (BroMenn), first before using Aurora Health Care providers. ¾ HMO members must use Advocate physicians, specialists and facilities for benefits to be paid. Aurora Health Care physicians and facilities are treated the same as any non-advocate provider or facility. Team members should receive a PCP referral and check with the HMO plan administrator, Humana, first before using Aurora Health Care providers to validate the provider is in-network. New Online Benefits Experience Beginning June 1, 2018 accessing your total rewards information got easier! Your new online experience is available anytime, from anywhere through your phone, tablet or computer. One login on advocatebenefits.com gives you access to all your benefits information, personalized for you. Enhanced Service Center Experience Can t find what you need at advocatebenefits.com? Click Contact Us at the bottom of any page to 24/7 or select Chat to connect with a representative. Prefer to speak to someone by phone? Call the improved Advocate Benefits Service Center at , 8am 6pm, Mon Fri What you ll need when you call the service center is to verify your birth date, full address, and Employee ID for security purposes.

4 Get to know the EPO and here s why ACCESS Exceptional, compassionate care from team members, physicians and specialists who make up one of the top health care systems in the nation. More than 5,000 primary care physicians and specialists who are part of Advocate Physician Partners (APP) as well as care at Advocate s 12 area hospitals, including a children s hospital with two campuses. Use any emergency room for a medical emergency. No referrals needed for specialists in-network. In-network benefits for covered dependents studying or living outside the Advocate service area. Coverage when traveling outside the Advocate service area. COST SAVINGS Comprehensive coverage at significantly lower cost per pay period than PPO Plan. Lower deductibles and out-of-pocket maximum expenses for using Advocate services. 10% of cost waived when using Advocate facilities. Deductible Reimbursement Account (DRA) º º Advocate contributes $400 (single) or $800 (all other coverage levels) to your DRA if you participate in the Advocate EPO or the PPO Plan. º º You and a covered spouse/partner can each earn a $800 Healthe Rewards Credit, added to your DRA. º º These funds lower your deductible. You can use these funds first to pay for out-of-pocket expenses applied toward your deductible. EXCEPTIONAL CONCIERGE SERVICE the EPO Concierge can help Transition care from non-advocate provider. Transition of care allows patients with certain conditions, such as pregnancy, to continue care with non-network providers for a period of time. Navigate care when Advocate doesn t provide a service. Find a doctor or specialist. Prescription Drug Plan Considering the EPO? Ask an expert! EPO.ADVO ( ) 8am 5pm, Mon Thu & 9am 4:30pm, Fri Advocate has selected Express Scripts as the new prescription drug service effective January 1, Prescription drug coverage is included in all medical plan options. In 2019, Advocate will move to coinsurance versus a copayment for non-generic drugs, which will align Advocate with best practices for prescription benefits among the hospital industry. Description Generic Preferred Brand 2019 Advocate Prescription Drug Coverage Maintenance Prescriptions Specialty Prescriptions 30 Day Supply 90 Day Supply* 30 Day Supply $15 copay or actual drug cost, whichever is less 25% coinsurance $30 minimum/$60 maximum $37.50 copay or actual drug cost, whichever is less 25% coinsurance $75 minimum/$150 maximum $65 copay or actual drug cost, whichever is less 25% coinsurance $75 minimum/$150 maximum Non-Preferred Brand 40% coinsurance $60 minimum/$100 maximum 40% coinsurance $150 minimum/$250 maximum 40% coinsurance $150 minimum/$250 maximum *90 day at retail is available at Walgreens locations or through Express Scripts mail order. Note: If the percentage of the covered charge falls between the minimum/maximum copayment, you will pay the percentage amount. Transitioning to Express Scripts Checklist New ID cards will be mailed to your home by December 31, Order mail order refills if you will need medications in January Accredo to fill Specialty Prescriptions effective January 1, Register to use express-scripts.com for a fast, safe and secure way to order refills, manage your account, get medications, pricing and more.

5 Compare Medical Plans EPO* HMO* Humana or BCBS PPO* Feature Humana (Advocate) or Health Alliance (BroMenn) Humana or BCBS Team Member Contribution Rates* $ $$ $$$ Annual Deductible $1,600 - $3,600 $3,200 - $7,150 n/a $1,600 $3,600 $2,400 $4,600 Coinsurance (after deductible is met) Plan pays 80% 10% waived if Advocate facility Plan pays 50% n/a Plan pays 80% 10% waived if Advocate facility Plan pays 75% Total Out-of-Pocket Maximum Expense $3,600 - $7,800 $7,150 - $14,300 $3,600 - $7,800 $3,600 $7,800 $5,100 - $11,200 Plan pays 50% Plan pays 75% Services Plan pays 80% ER Services: If true emergency, plan pays 80% Plan pays 90% Plan pays 80% ER Services: If true emergency, plan pays 80% Emergency Room Copay Outpatient Nonsurgical Care $200 copay per visit Waived if admitted to hospital Plan pays 80% Plan pays 50% Plan pays 90% Plan pays 80% Plan pays 75% Physician Office Visit Plan pays 80% Plan pays 50% $35 copay Plan pays 80% Plan pays 75% Preventative Care Plan pays 100% Plan pays 50% Plan pays 100% Plan pays 100% Immediate Care Plan pays 80% $35 copay Plan pays 80% Plan pays 75% at retail based clinics such as Advocate Clinics at Walgreens Urgent Care Plan pays 80% $50 copay PCP must be notified within 48 hours of visit Plan pays 80% Plan pays 75% Physical, Occupational, Speech Therapy Plan pays 80% Plan pays 50% $35 copay Plan pays 80% Plan pays 75% Up to 60 visits per year Chiropractic Care Plan pays 80% Plan pays 50% $50 copay Plan pays 80% Plan pays 75% Up to 20 spinal manipulations per year Behavioral Health Plan pays 80% Plan pays 80% Inpatient Plan pays 90% Outpatient $35 copay per visit Plan pays 80% Plan pays 75% * For full details regarding each of the medical plan options, refer to the plan summaries available at advocatebenefits.com > Benefits Information. Questions? Contact Advocate Benefits Service Center, , 8 am 6 pm, M F

6 Advocate BroMenn and Advocate Eureka Team Members: 2019 Benefits Highlights New EPO Administrator Enhances Access to Care in Central Illinois Effective January 1, 2019, the Advocate-BroMenn EPO will be administered by Health Alliance to provide team members with increased access to care providers in Central Illinois. Health Alliance is the largest health insurer based in downstate Illinois and is recognized for great customer service. What this means to Central Illinois team members enrolled in the BroMenn EPO Enhanced access to care in Central Illinois, with inclusion of Carle Physician Speciality Group for specialist visits in tier I of the network. Health Alliance will process BroMenn EPO claims. Team members will call Health Alliance with claims-related questions. What s next Health Alliance will be on-site October 4 for the BroMenn Benefits & Financial Wellness Fair to answer questions. Look for further information during Annual Enrollment about the providers in the Health Alliance that will be covered in-network in the BroMenn EPO. BroMenn EPO participants will receive new ID cards by January 1, New: BroMenn Atrium Pharmacy to Fill 90-Day Prescriptions Beginning January 1, medical plan participants (BroMenn EPO and PPO) can fill a 90-day supply of maintenance medications at the BroMenn Atrium Pharmacy. In addition to the convenience, receiving a 90-day supply costs less than a 30-day supply. 90-day supply will continue to be available at Walgreens and by mail order through Express Scripts, Advocate s new prescription drug vendor. Need Help Enrolling? Come to an Annual Enrollment Workshop Annual Enrollment Workshops will be available on-site to help Central Illinois team members with the benefits enrollment process. Benefits support staff can help answer your questions and assist you with online enrollment. Register online at advocatebenefits.com > Login > Benefits Information > AE2019. Before you come to a workshop Review your current benefit elections. Review and compare 2019 plans. Decide which benefits to elect for Determine if you want to participate in Health and/or Dependent Care Flexible Spending Accounts. Determine if you want to elect Paid Time Off Cash Out. What to bring Personalized Benefits Enrollment Guide mailed to your home by October 24. Dependent information (birth dates, Social Security numbers). 9/18 MC 0918 BRO