OPEN ENROLLMENT QUICK GUIDE

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Berenice Fitzgerald
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1 OPEN ENROLLMENT QUICK GUIDE HUMAN RESOURCES Sparks Hall

2 Welcome to Online Open Enrollment 2018! Open Enrollment is the annual opportunity for benefits eligible faculty and staff to review their current benefits and make changes for the next calendar year. This year, Open Enrollment will be held from 8:00am October 13, :59pm October 27, The open enrollment process will be online through murraystate.hrintouch.com, which is supported by Benefitfocus. You can access your account using the same login you created last year. The information to access your account is in this quick guide and on our Human Resources website. We are happy to offer assistance in the process through information and computer lab sessions. During computer lab sessions Human Resources staff will be available for anyone needing assistance in the online enrollment process. Please take this opportunity to review all of your benefit choices for 2018, Open Enrollment is REQUIRED. If you do not complete the enrollment process, you will be defaulted to your 2017 Medical benefit election. All Health Savings, Flexible Spending Accounts and Voluntary Benefits will be waived for 2018 plan year. EXPLORE Explore plan designs and enhancements New Racer Wellness benefit of $50 for taking the wellness pledge. Medical plan design updates. MSU contributes to Health Savings Account (HSA). Voluntary benefit options offer reimbursement for wellness screenings! Know your Rx is available to assist you with prescription costs. $55 per month tobacco user premium surcharge. 1 2 Are you taking the time to make good benefits choices? Now is the perfect time to start thinking about your health benefits. As you review your benefits and make your selection, we encourage you to explore your numbers and prepare for Open Enrollment. The amount you and other family members spent on healthcare during the last 12 months may be a good indicator of how much you ll spend next year. Take the time to know your costs and select the benefits that are right for you! Employee Health & Benefits Fair Thursday, October 19, :30am 11:30am Curris Center Ballroom (3rd Level) The Fair is open to all MSU employees, spouses and retirees. There will be multiple screenings, flu shots, and opportunities to meet with benefits and retirement vendors. Please visit our website: for a complete list of vendors. PREPARE Prepare for Open Enrollment through Exploring your benefits Do you anticipate any major changes or events next year? How much did you spend in medical claims the last 12 months? Take the time to estimate your healthcare expenses, visit Did you take advantage of Know Your RX cost-effective prescription saving strategies? Visit them at the Health Fair for more information. Did you know MSU makes Health Savings Account (HSA) contributions $400 single/$800 family for those participating in a HDHP? Are you participating in Racer Wellness programs that could save you money or help you manage your health? Have you learned about the new Racer Wellness Pledge? Did you know voluntary vendors offer additional discounts and reimbursements for wellness? Visit Delta Dental and Voya at the Health Fair and ask them about their additional benefits.

3 Information Sessions: Monday, October 9th 4:15pm 5:00pm Alexander Hall Auditorium Tuesday, October 10th 9:30am 10:15am Freed Curd Auditorium Wednesday, October 11th 1:00pm 1:45pm Wrather Auditorium Thursday, October 12th 8:00am 8:45am Curris Center Barkley Room Computer Lab Sessions: Tuesday, October 17th 3:30pm 5:30pm Applied Science Rm 304N Monday, October 23rd 10:00am 12:00pm Applied Science Rm 304N Tuesday, October 24th 3:30pm 5:30pm Applied Science Rm 304N 3 CONNECT Connect & Enroll through Enroll for your 2018 benefits: Log-on to murraystate.hrintouch.com The link is conveniently located on the Employee tab in MyGate. Forgot your username and/or password? Click Can t access your account. Select help for your password or username. Verify: Last Name, Date of Birth, Last 4 digits of your Social Security number. Select your verification method via security question, or text. A 6 digit passcode will be provided for your credentials to be refreshed. Complete your To Do List. Before you can enroll in your benefits, you must complete the acknowledgment within the To Do List. Select Enroll Now to make your benefits elections. ONLINEONLY Racer Wellness Program Expansion Racer Wellness Savings Plan: $15.00 monthly premium discount for 2018 plan year $50.00 Wellness Pledge has been added Susan E. Bauernfeind Center Wellness Center Access Program available Increased tobacco surcharge Random cotinine testing for tobacco use 2018 Racer Wellness Pledge New! Take the Racer Wellness Pledge and earn $50! To earn the reward employees must complete one of the three options below by October 1, COMPLETE OR ATTEND TWO WELLNESS SANCTIONED EVENTS: One Wellness Sanctioned Event or Item by June 1, 2018 One Wellness Sanctioned Event or Item by October 1, 2018 TOBACCO CESSATION PROGRAM: Pledge Completed Complete Tobacco Cessation Program Pledge Completed GETS EMPLOYEE ACCESS TO SUSAN E. BAUERNFEIND WELLNESS CENTER: Complete Anthem Healthy Lifestyles Well-being Assessment by December 1, 2017 Turn in Wellness Center attendance record to Racer Wellness Staff by June 1, 2018 Pledge Completed If employees fail to complete one of the three options, and honor the pledge, there will be a $60 penalty accessed in November and December. This will be done through a $30 per month ($15 per BW check) payroll deduction in both November and December. Tobacco Surcharge or or Tobacco users will pay a $55 monthly surcharge and employees will be subject to random cotinine testing for tobacco usage.

4 2018 PLAN DESIGN PREMIUM SAVER BALANCED SAVER LEGACY PPO Just Themselves Members Just Themselves Members Just Themselves Members Preventive Exams, Screenings & some RXs FREE FREE FREE FREE FREE FREE MSU HSA Contribution Opportunity Racer Wellness Incentive Opportunity $400 $800 $400 $800 N/A N/A New Racer Wellness Pledge: $50 Value ($60 penalty for Pledge non-compliance) Deductible (excludes copays) $3,000 $3,000/Individual $6,000/ $1,500 $3,000/ $600 $600/Individual $1,200/ EE (after deductible) Other Services: 30% Other Services: 30% Other Services: 20% Other Services: 20% 15% to all services not subject to a copay 15% to all services not subject to a copay Emergency Room Office Visits General / Specialist RX: Generic / BrandF / BrandNF / Specialty Mail order 2x for copays except specialty $150 copay $30 / $45 $15 / $25 / $50 / $100 per month $150 copay $30 / $45 $15 / $25 / $50 / $100 per month Out-of-pocket limit (including deductible) $5,500 $5,500/Individual $4,000 $11,000/ $4,000/Individual $8,000/ $2,000 $2,000/Individual $4,000/ ANTHEM MEDICAL MONTHLY PREMIUM PREMIUM SAVER BALANCED SAVER LEGACY PPO MSU Employee MSU Employee MSU Employee $ $16.52 $ $51.24 $ $ $ $45.80 $ $ $ $ $ $52.60 $ $ $ $ $1, $ $1, $ $1, $509.53

5 Health Savings Account (HSA) Health Savings account is a tax-exempt trust or custodial bank account set up to pay or reimburse certain medical expenses you incur. Contributions will remain in your account from year to year until you use them. HSA s are available for participants in a High Deductible Health Plan only. MSU contributes $400 single/$800 family (plus MSU will cover initial account set-up and monthly fees) in 2018 for those who elect a High Deductible Health Plan. Under federal government rules, in 2018 the maximum contribution allowed by you and your employer is up to $3,450 for single coverage, and $6,900 for family coverage, plus an additional $1,000 for those 55 years and older. When calculating individual contributions you must include the portion Murray State will contribute in your maximum amount. IRS guidelines do not allow participation in a HSA for those 65 and older who are enrolled in Medicare. If you elect the qualified High Deductible Health Plan (HDHP) Health Savings Account (HSA) option through Murray State Internal Revenue Code Section 125 Cafeteria Plan, Murray state will provide BenefitWallet (BW) with data and information in order to open your BW HSA account. Flexible Spending Accounts As a part of Murray State University s Tax-Saver Program, you can contribute to Flexible Spending Accounts (FSAs) that let you pay yourself back on a tax-free basis for certain healthcare and dependent day care expenses. You can contribute to either a Healthcare Flexible Spending Tax-Saver Account or Dependent Care Flexible Spending Account (Day care), or both. This means the actual impact on your take-home pay is less. $500 FSA Carryover Feature If you were enrolled in a healthcare FSA in 2017 and enroll in 2018, you can use 2017 dollars to pay 2017 plan year claims through May 31, claims CANNOT be paid with 2017 contributions. After May 31, 2018, you are allowed to carryover up to $500 to pay future claims. You have until May 31st of the following year to pay plan year claims. After that point you can carryover up to $500 to pay future claims. If you had a FSA in 2017 and elect an HSA or waive the FSA in 2018, you are not eligible for the $500 carryover. Healthcare Flexible Spending Account (HCFSA) You can contribute a minimum of $50 and a maximum of $2,600 to a Medical Flexible Spending Tax-Saver Account. Your contributions are paid through payroll deductions with pre-tax dollars. Dependent Care (Day Care) Flexible Spending Account (DCFSA) A Dependent Care FSA lets you use pre-tax dollars to pay for eligible expenses related to day care, while you and your spouse work, or go to school full-time. The maximum amount allowed by the IRS is $5,000 a year for individuals or married couples filing jointly, or $2,500 for a married person filing separately. Voluntary Benefits Dental: Delta Dental Monthly Premium Buy-up plan includes some orthodontia coverage. Employee + Dependent(s) Vision: Anthem Monthly Premium Group Critical Illness: Core Buy-up $18.09 $27.91 $53.93 $72.99 $7.25 $13.39 $14.21 $20.35 VOYA features a reimbursement for completing preventive screens! When a serious illness strikes, a Critical Illness plan helps provide additional protection for you and your family. In the event of a critical illness such as heart attack, stroke or cancer, a lump sum cash payment of up to $10,000 can assist in covering a variety of expenses like out-of-pocket medical costs, home healthcare, travel expenses, rehabilitation and more. In addition, the plan also pays you an annual wellness benefit of $100 per adult and $50 per child on the plan, per plan year, for a wellness exam. Under VOYA CRITICAL ILLNESS MONTHLY PREMIUM NON-TOBACCO RATES $7.80 $10.10 $11.90 $10.20 $12.50 $15.75 $18.50 $20.80 $28.70 $31.30 $33.60 $48.95 $42.50 $44.80 $66.20 $58.80 $61.10 $90.20 $76.30 $78.60 $ VOYA Short Term Disability TOBACCO RATES EE ONLY EE + CHILD(REN) EE + SPOUSE EE ONLY EE + CHILD(REN) EE + SPOUSE $10.20 $12.50 $15.60 $14.60 $16.90 $22.60 $28.30 $30.60 $43.95 $49.80 $52.10 $78.05 $70.20 $72.50 $ $89.20 $91.50 $ $ $ $ NEW for Plan Year Murray State University will now offer benefit eligible employees the opportunity to purchase short term disability income benefits through Voya. In the event you become disabled from a non-work related injury or sickness, disability income benefits can represent a source of income. Short term disability is also available for maternity leave. You are not eligible to receive short term disability benefits if you are receiving workers compensation benefits. Please refer to the information below for a brief description of the benefits. Per pay cost is based on your current age as of the effective date of coverage and will be calculated during the online enrollment process.

6 Weekly Benefit Percentage Maximum Weekly Benefit Amount Accident Elimination Period Sickness Elimination Period Maximum Benefit Duration VOYA ACCIDENT MONTHLY PREMIUM VOYA SHORT TERM DISABILITY $8.52 $14.42 $16.24 $ % of base salary $1, Day 8 Weeks 13 Weeks Group Accident: VOYA features a reimbursement for completing preventive screens! You can t always avoid accidents, but you can protect yourself and your family from accident-related costs that can put a strain on your budget. An Accident plan pays a cash benefit directly to you if you have a covered injury and need treatment or hospital care. In addition, the plan provides an accidental death benefit. In addition, the plan also pays you an annual wellness benefit of $100 per adult and $50 per child on the plan, per plan year, for a wellness exam. Group Hospital Confinement Indemnity: VOYA employees who have a sick leave balance of six or more days at the time of the initial contribution shall be eligible to participate in the Sick Leave Bank. Newly hired employees shall be eligible to participate in the Bank the month following the accumulation of six sick leave days. Upon joining, an eligible employee must immediately contribute 1-3 days of accumulated sick leave, as determined by Murray State University. Once donation of days is made, they become the property of the bank and may not be designated for any individual use or reclaimed by the donating employee. Due to the number of days available in the current sick leave bank program, during 2018 Open Enrollment all current sick leave bank members will be required to donate one sick leave day to remain active in the program going forward. Know Your RX Know Your Rx coalition provides personalized support to help you make the most of your prescription benefit, working together with Murray State University and Express Scripts, to ensure the best possible experience for you and your family. Contact Know Your Rx with any questions you may have about your prescriptions, including drug or food interactions, side effects and more. Ask Know Your Rx about potential cost-saving strategies, including options that may make refilling prescriptions easier and more convenient than ever KYRX@uky.edu A trip to the hospital can be stressful, and so can the bills. Even with major medical insurance, you may still be responsible for co-payments, deductibles and other out-of-pocket expenses. A Hospital Indemnity plan pays a cash benefit directly to you in the event you or a covered family member are admitted to the hospital. The cash benefit you receive can be used to assist in paying expenses associated with a hospital stay. VOYA HOSPITAL CONFINEMENT INDEMNITY MONTHLY PREMIUM Sick Leave Bank $18.19 $36.30 $27.10 $45.21 The purpose of the Sick Leave Bank is to provide a means of obtaining additional sick leave days to avoid loss of compensation due to a catastrophic illness or injury of the employee. This benefit is available to eligible, voluntarily participating faculty and staff who have legitimately exhausted all of their accumulated sick and vacation leave. All regular full-time and regular part-time Murray State University Remember to visit the Employee Health & Benefits Fair! Thursday, October 19, :30am 11:30am Curris Center Ballroom (3rd Level)

7 CHOOSE WELL LIVE WELL ENTER TO WIN! Prizes to be won! Enter the drawing at the Health Fair, Thursday, October 19, SPONSORED BY:

2019 Benefits Open Enrollment

2019 Benefits Open Enrollment Payroll and Employee Benefits Please Remember: If you do not take any action during Benefits Open Enrollment you will lose your Tobacco-Free Premium Discount beginning January