2019 Open Enrollment. Officers. October 29 November 16, Benefits Effective January 1, Your Columbia University Benefits

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1 2019 Open Enrollment October 29 November 16, 2018 Officers Benefits Effective January 1, 2019 Your Columbia University Benefits As an Officer of Columbia University, you can take advantage of a comprehensive benefits package. We are committed to providing you with valuable benefits and resources to help manage your healthcare costs. This brochure will help you understand the benefits options available to you. Now is the time to review your options, think about any changes in your al situation and choose the benefits that will best meet your needs for Inside This Brochure Learn about benefits changes for View the 2019 Monthly Pre-Tax Contributions for Coverage Important Reminders...5 How To Enroll: Log in to CUBES CUBES gives you secure access to alized 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 and click on the CUBES logo. 2. You will be asked to enter your UNI and password, and then confirm your access using multifactor authentication (DUO). 3. Review SmartSelect, the medical comparison tool on CUBES. 4. Select Get Started to make your elections. Remember: You must enroll in your 2019 benefits by November 16, The choices you make during Open Enrollment will stay in effect all year unless you experience a Qualified Life Status Change (see page 5 for more details). Enroll in your benefits on CUBES, the University s new enrollment system. What Happens if You Don t Enroll If you do not make an election for 2019: You will no longer have coverage for: Healthcare FSA Dependent Care FSA HSA* Child Care Benefit Note: You must re-enroll for 2019 in order to have coverage under these programs for the calendar year beginning January 1, You will be automatically re-enrolled in your current 2018: * Only if you are enrolled in the High Deductible Health Plan (HDHP). Medical Dental Transit/Parking Reimbursement Program (T/PRP) Life Insurance (Optional, Spouse and Child) Optional Long-Term Disability 1

2 Before you log in to CUBES to make your choices, think about your benefits needs for next year and learn about the 2019 changes. What s New for 2019 New contribution rates. Go to pages 3 4 to view the 2019 rates. Introducing CUBES, the University s new benefits enrollment system. See insert for more details. Child Care Benefit to increase to $3,000 for eligible faculty and staff. Employee Assistance Program (EAP) now includes legal services.* To learn more, go to columbia.edu/well-being. New Health Care Spending Card. If you elected a Health Savings Account (HSA) or Healthcare or Dependent Care FSA in 2015, your card(s) will expire at the end of UHC will send new cards to your home mailing address in mid-november. Expanded coverage beginning January 1, 2019: Quest Diagnostics is now in-network. With the addition of Quest Diagnostics, you ll have greater access to innetwork laboratories. In-network breast ultrasounds to be covered as preventive care at no cost, when billed by a physician with a preventive diagnosis. For more on preventive care, go to preventive-care. Acupuncture benefits will be covered for all diagnoses as standard office visit up to 20 visits per calendar year. Medical coverage to include hearing aids every two years with no maximum coverage limit. Hearing aid exams will continue to be covered. Maximum Health Savings Account (HSA) contributions increasing. The IRS has increased the maximum contribution to the HSA to $3,500 for individuals and $7,000 for families. You must enroll in the HDHP in order to contribute to the HSA.** * Legal services provided by Humana, the University s EAP provider. ** IRS limits are subject to change. 2

3 Cost of Coverage Contributions are the amount you pay toward the cost of your medical, dental, vision and prescription drug ( Rx ) coverage through your pre-tax payroll deductions Monthly Pre-Tax Contributions for Medical, Vision & Rx Coverage (Full Time) Salary Tier Yourself Only Yourself & Spouse or Same-Sex Domestic Partner Yourself & Child(ren) Family $0 - $44,999 High Deductible Health Plan $6 $20 $9 $23 Choice Plus 80 $20 $65 $35 $79 Choice Plus 90 $28 $94 $49 $117 Choice Plus 100 $90 $251 $162 $323 $45,000 - $59,999 High Deductible Health Plan $17 $59 $31 $72 Choice Plus 80 $55 $187 $102 $233 Choice Plus 90 $88 $271 $163 $346 Choice Plus 100 $252 $705 $453 $904 $60,000 - $79,999 High Deductible Health Plan $29 $99 $52 $121 Choice Plus 80 $75 $237 $138 $301 Choice Plus 90 $111 $336 $206 $431 Choice Plus 100 $331 $925 $594 $1,187 $80,000 - $134,999 High Deductible Health Plan $38 $131 $69 $162 Choice Plus 80 $92 $282 $171 $360 Choice Plus 90 $132 $389 $244 $501 Choice Plus 100 $377 $1,051 $676 $1,354 $135,000 - $174,999 High Deductible Health Plan $52 $161 $95 $204 Choice Plus 80 $110 $322 $203 $415 Choice Plus 90 $151 $435 $279 $565 Choice Plus 100 $407 $1,135 $730 $1,459 $175,000 - $224,999 High Deductible Health Plan $76 $218 $141 $283 Choice Plus 80 $140 $401 $261 $522 Choice Plus 90 $187 $549 $346 $692 Choice Plus 100 $535 $1,497 $963 $1,924 $225,000 - $299,999 High Deductible Health Plan $99 $268 $186 $355 Choice Plus 80 $171 $476 $318 $623 Choice Plus 90 $222 $651 $411 $813 Choice Plus 100 $576 $1,610 $1,036 $2,070 $300,000+ High Deductible Health Plan $126 $332 $237 $443 Choice Plus 80 $203 $557 $377 $731 Choice Plus 90 $259 $764 $480 $944 Choice Plus 100 $592 $1,655 $1,064 $2,127 Your pre-tax contributions are based on which plan you select, who you cover and your Annual Benefits Salary. Your Annual Benefits Salary is calculated as of July 1 each year and is the greater of (a) your base salary or (b) your prior 12 months compensation from the University as of June 30 each year, including certain approved additional and private practice compensation, and excluding any housing allowance. 3

4 2019 Monthly Pre-Tax Contributions for Medical, Vision & Rx Coverage (Regular Part-Time Officers of Administration) Yourself Only Yourself & Spouse or Same-Sex Domestic Partner Yourself & Child(ren) Family High Deductible Health Plan $349 $734 $664 $1,048 Choice Plus 80 $377 $792 $717 $1,131 Choice Plus 90 $397 $834 $754 $1,191 Choice Plus 100 $437 $917 $830 $1, Monthly Pre-Tax Contributions for Dental Full-Time Part-Time Yourself $27 $40 You Plus One $68 $80 Family $109 $119 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 per pay period) beginning the pay period following the effective date of your election. Working Together to Control Healthcare Costs Controlling healthcare costs is a high priority for all of us at Columbia. You can have a positive impact on what we collectively pay for healthcare by making an informed choice during Open Enrollment. When choosing your 2019 medical plan, it is important to compare the total possible cost of each plan available to you (Equation: Full year s payroll contributions + out-of-pocket maximum = maximum annual cost). Be sure to carefully consider your health needs, past utilization and budget and then select the medical plan that is best for you. Visit benefits-open-enrollment for more detailed information. To help determine which medical plan is best for you, use SmartSelect, the comparison tool on CUBES. 4

5 Important Reminders Consider Your 2019 Benefits Evaluate all of the medical plan options that are available to you and your family by using SmartSelect, the comparison tool on CUBES. You can model different health scenarios for yourself and your family to estimate what your annual out-of-pocket costs will be. Think about your total costs what you pay at the time you use healthcare (e.g. your, coinsurance or copay) plus your payroll contributions. Decide if it is more cost-effective to cover your family under your Columbia plan or your spouse or same-sex domestic partner s plan. Choose Your Coverage Carefully Elections or changes you make during Benefits Open Enrollment will become effective on January 1, 2019, and will be in effect for the 2019 calendar year. If you do not enroll between October 29 and November 16, 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. Make a Qualified Life Status Change If you have a Qualified Life Status Change during the year, such as marriage, divorce, birth or adoption of a child, you must go to CUBES and make your changes within 31 days of the event. The benefits changes must comply with IRS regulations. 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. For a list of examples, go to and click on Making Changes to Your Benefits. Enrolling in the T/PRP Program You may enroll in the Transit/Parking Reimbursement Program (T/PRP) at any time during the year. If you would like to newly enroll in or make changes to your T/PRP account, you must do so during Open Enrollment. 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. The current IRS limit is $260 per month.* Make Catch-up Contributions to the VRSP If you are age 50 (or will turn 50 in 2019), you can contribute an additional $6,000 in pre- or post-tax contributions to your Voluntary Retirement Savings Program (VRSP) account. This means you can contribute a total of $24,500 to the VRSP in 2019.* Review Beneficiaries Update your beneficiary information for life insurance and the retirement plans. Renew or Open an FSA Flexible Spending Accounts (FSAs) allow you to set aside money on a before-tax basis from each paycheck 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 $2,650 and $5,000 for the Dependent Care FSA.* To participate in 2019, you must enroll during Open Enrollment. * IRS limits are subject to change. 5

6 Comparing Your Medical Plans Only you can decide which coverage levels are best for you and your family. Here is an overview of your medical plan options to consider before enrolling. Medical Plan Comparison Chart Benefit High Deductible Health Plan (HDHP) Choice Plus 80 Choice Plus 90 Choice Plus 100 Annual Deductible Individual Family Coinsurance pocket Maximum Individual Family $1,500 $3,000 $3,550 $7,100 $2,900 per $6,850 $13,700 $600 per ** $3,750 $7,500 $850 per $5,250 $10,500 $400 per $3,250 $6,500 $850 per $5,250 $10,500 $200 per 100% after $4,750 $9,500 $850 per $5,250 $10,500 Preventive Care 100% Not covered 100% Not covered 100% Not covered 100% Not covered Physician Office Visits, including specialists Laboratory/ Radiology Services, including services rendered in a physician s office Inpatient Hospital Care Outpatient Hospital Care Mental Health and Substance Abuse Inpatient care Mental Health and Substance Abuse Outpatient programs Mental Health and Substance Abuse Outpatient counseling for care including intensive programs ; ; ; 70% after for care including intensive programs; 70% after $30 copay ; ; ; for care including intensive programs; $30 copay ; ; ; for care including intensive programs; $30 copay 100% after if non- hospital location if hospital*** $500 copay per admission (including lab and radiology)*** $500 copay per admission * network coinsurance reimbursement is indexed to 190% of the Medicare Maximum Allowable Charge (MAC), including expenses in excess of the out-of-network out-of-pocket maximum. ** To meet the requirements of the U.S. Department of State, J-1 Visa holders will have a $500 per applied. *** No copay for Lab and Radiology at certain designated New York Presbyterian (NYP) locations. For a list of NYP participating locations, go to and click on the Forms & Documents icon. **** No copay for partial hospitalization/intensive treatment. ; ; ; $30 copay**** 70% after for care, including partial hospital/ day treatment and intensive programs.. 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. 6

7 Medical Plan Comparison Chart (cont.) Benefit High Deductible Health Plan (HDHP) Choice Plus 80 Choice Plus 90 Choice Plus 100 Emergency Room Basic and Comprehensive Infertility Treatment Advanced Infertility Treatment Prescription Drug coverage with OptumRx in-network in-network 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 Non-preventive prescription drugs are subject to an annual in-network. Copays apply up to the annual in-network out-of-pocket maximum. 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 * network coinsurance reimbursement is indexed to 190% of the Medicare Maximum Allowable Charge (MAC), including expenses in excess of the out-of-network out-of-pocket maximum. The Medical Plan Comparison chart represents highlights of Plan provisions. Clinical medical management restrictions and other limits apply. Go to and click on the Forms & Documents icon to view the Summary Plan Descriptions (SPDs). Vision Coverage All Officers and their covered dependents who participate in any of Columbia s medical plans are covered by a vision benefit. Vision Benefits High Deductible Health Plan (HDHP) Choice Plus Plans Benefits apply both and Network Routine Eye Exams Lenses Frames Contact Lenses Adults: One exam every 12 months; plan pays in-network, no copay Children:* One exam every 12 months; plan pays in-network, no copay Adults: $100 allowance every 12 months (combined for lenses, frames and contact lenses) Children:* One pair of eyeglasses (lenses and frames) OR one pair of contact lenses (or a 12-month supply) every 12 months with a $75 copay. More frequently if medically necessary 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 24 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 24 months Children:* Single purchase of a pair of contact lenses or 1 box of contact lenses per eye covered at 100% every 12 months * Child is defined as a member less than age 19. ** Available for either frames and lenses or contact lenses. Note: Provider might require payment in full at the time of service. The patient then submits a claim to UHC for reimbursement. To search for a vision provider, log in to and click Coverage & Benefits, Vision and then Vision benefit highlights. You will be taken to the UHC Vision website where you can search for a vision provider under Find a Provider. Aetna Columbia Dental Plan The 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 and click on Vendor Contacts. There are no changes to the Dental Plan for For more information, go to to view the 2019 Benefits Highlights. 7

8 Important Events Benefits Expos Locations Manhattanville Campus Lenfest Center for the Arts The Lantern (8th Floor) 615 W. 129th Street New York, NY 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 CUIMC Armand Hammer Health Sciences Center Teaching and Learning Center (lower level) 701 W. 168th Street (at Ft. Washington Ave.) New York, NY Dates and Times Wednesday, October 31: 9:00 a.m. 2:00 p.m. Preventive Health Screenings: 8:30 a.m. 1:30 p.m. Thursday, November 1: 10:00 a.m. 4:00 p.m. Preventive Health Screenings: 8:30 a.m. 2:30 p.m. Flu Vaccines: 9:30 a.m. 4:00 p.m. Wednesday, November 7: 10:00 a.m. 12:30 p.m. Thursday, November 8: 10:00 a.m. 4:00 p.m. Preventive Health Screenings: 8:00 a.m. 2:00 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: cu2018). Don t take your health for granted know your numbers! References and Resources Reference materials are available on the Columbia Benefits website. Go to benefits 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 The 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, SBC 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. 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 SPDs. 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