Benefits Forum. Annual Open Enrollment for 2015

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1 Benefits Forum Annual Open Enrollment for 2015

2 GRMC Benefits 2015 Celebrate our Successes! What s New in 2015? Wellness Wellness Incentives Fun Flu Clinic Kick-Off Day! Schedule of Events Open Enrollment timeline, forums, fair, departmental assistance Employee Toolkits Online Enrollment Support and Tips Q & A

3 Celebrate our Successes Self-Funded Health Plan - Calendar Year 2013 Medical claims dropped by 12.6% Pharmacy spend was approx. 50% less $700,000 savings High cost claimants are down (20% decrease) 43 claimants (.62% of population) over $50,000 account for approximately 31% of the total medical claim cost Inpatient admissions down nearly 13% Readmission rate decreased by 2.2% 120 spouses moved to their own plan $400k savings Expenses as compared to Budget 18% savings (actual paid expenses compared to budgeted) or $5.4M Calendar Year 2014 $3.8M savings expected No Health Plan Premium Increases in 2015!

4 Health Insurance What s New in 2015 Separate Medical/RX Out of Pocket Maximum s for Select/Base PPO Plans 2014 OOP Maximums Select PPO Base PPO Employee $4k $6k Family $8k $10k Integrated Medical and Rx OOP s 2015 OOP Maximums Employee Family Select PPO IN / UHC Network $4k / $5k (med) $1,500 (Rx) $8k / $10k (med) $3,000 (Rx) Separate Medical and Rx OOP s Base PPO IN / UHC Network $5k / $5,100 (med) $1,500 (Rx) $10k / $10,200 (med) $3,000 (Rx) Currently the Select and Base PPO plans have no Rx OOP limits (an unlimited exposure for the plan member). The 2015 modification will cap prescription out of pocket costs in the future.) IRS regulations already requires High Deductible Health Plans (Choice HDHP) to have prescription costs accumulate towards annual out of pocket maximums.

5 What s New in 2015 Health Savings Accounts Annual Contribution Limits Individual Coverage $3,300 $3,350 - Family Coverage $6,550 $6,650 If you are age 55 or older, you may make annual catch-up contributions of up to $1,000. After the first payroll of 2015, GRMC will contribute $500 in to Individual HSA s and $875 in to Family HSA s. GRMC will also contribute up to an additional $500 to health savings accounts based on completion of wellness incentives.

6 What s New in 2015 Flexible Spending Accounts New Carryover Provision Up to $500 of remaining Health Care FSA dollars can be carried over in to There are special rules where this applies. For example, to carry over:» The participant must be an active member on the last day of the plan year and will be electing for the new plan year» If the participant doesn t elect a Health Care FSA in the upcoming plan year, a manual election will be set up and balances will only be available via manual claim submission.

7 Wellness GRU Healthy You Wellness Incentives for Choice HDHP Participants HSA Seed $500 (Individual) $875 (Family) HSA Incentives Employer will provide up to an extra $500 (Individual/Family) for completion of Incentives. Both the Clinical Health Risk Assessment and Biometric screening will continue to be required and both must be completed to earn wellness incentive dollars Timeline for completion: November 1, 2014 May 31, 2015 Health Risk Assessment Biometrics Two HSA payouts in 2015 July and October $100

8 Wellness Incentives Education Complete Weight Watchers weight loss program (limit 1 time per year) 50 Complete approved Diabetes Education Series (limit 1 time per year) 50 Complete GRU Healthy You Education Class (limit of 5 per year) 10 Complete GRU Cancer Center Tobacco Cessation Program (limit 1 time per year) 100 Complete GRU Stress Management Class (limit 1 time per year) 25 Healthy Lifestyles Exercise Log (30 minutes per day, 3 days/week) for 3 consecutive months 50 Participate in Local Y Team Lean event (1 time per year) 50 Participate in community-based runs, walks, etc. (up to 4 per year) 25 Complete results-based wellness coaching (up to 3 sessions) 50 Preventive Care Obtain Annual Preventive Exam Routine Physical 50 Mammogram for women PAP screening for women PSA/Prostate Screening (for men age 40+) 50 Colorectal cancer screening over age Coronary Artery Calcium Screening (age 55 to 75 for men, age for women) 50 Preventive Dental Screening 25 Vision Screening 25 Hearing Screening 25 Other Donate Blood (minimum 2x/calendar year) 100

9 What s New in 2015 Dental Insurance Core Plan premium increase of 8.45% with a 2-year rate guarantee Bi-Weekly Monthly Bi-Weekly Monthly Employee Only $15.70 $34.00 Employee Only $17.03 $36.87 Employee + Spouse/Domestic Partner $26.28 $56.94 Employee + Spouse/Domestic Partner $28.50 $61.75 Employee + Child(ren) $27.60 $59.78 Employee + Child(ren) $29.93 $64.83 Family $39.43 $85.42 Family $42.76 $92.64 Benefits paid for Preventive/ Diagnostic are NOT applied towards the annual benefit maximum.

10 What s New in 2015 Addition of a New Dental Plan Value Plan Orthodontia not included Annual Deductible Coinsurance Annual Maximum Benefit Benefits Services $50 indiv/$150 family 0% preventive 20% basic (except 50% for periodontics) 50% major $1,000 per member Premiums Bi-Weekly Monthly Employee Only $13.61 $29.48 Employee + Spouse/ Domestic Partner $22.78 $49.36 Employee + Child(ren) $23.92 $51.83 Family $34.18 $74.06 Benefits paid for Preventive/ Diagnostic are NOT applied towards the annual benefit maximum.

11 What s New in 2015 Long-Term Disability Special Enrollment Option for 2015 All employees who previously declined the 60% LTD insurance option may elect this option during open enrollment without requiring Evidence of Insurability Pre-ex condition Pre-ex condition for increases in amounts of coverage means during the 3 months prior to the effective date of any increase in an Employee's amount of insurance the Employee received medical treatment, consultation, care or services, including diagnostic measures, or took prescribed drugs or medicines for the disabling condition. If the pre-ex provision applies to an approved claim, benefits will be paid at the 50% LTD option level.

12 What s New in 2015 Long-Term Disability Special Enrollment Option for 2015 Pre-ex condition The pre-ex exclusion will not apply if Total or Partial Disability begins later than 12 months (1/1/16 or thereafter) after the effective date of any increase in the employee's insurance. The pre-ex exclusion will not apply if you did not receive medical treatment, consultation, care or services, including diagnostic measures, or took prescribed drugs or medicines for the disabling condition during the 3 months (Oct/Nov/Dec) prior to the 60% LTD option effective date (1/1/2015).

13 Helpful Reminders Convenience and Urgent Care Benefits Assists in getting same day care or after hours care rather than utilizing an emergency room for non-emergent care Everyone benefits-eligible must enroll To inform us of HSA or FSA contributions in 2015 To update the spousal surcharge attestation To update the non-tobacco usage attestation

14 GRMC Schedule of Events Open Enrollment Wednesday, October 1 to Friday, October 17 Benefits & Services Fair CHOG Conference Center BT-1810 Times 10:00 AM 4:00 PM Oct 1 Manager Benefit Forums All meetings held in the Lee Auditorium BC 1040 Times 8:00 AM 9:00 AM 11:30 AM 12:30 PM Sept 15 Sept 18 Sept 24 Staff Benefit Forums All meetings held in the Lee Auditorium BC 1040 Times 7:30 AM 8:30 AM 11:30 AM 12:30 PM 3:30 PM 4:30 PM Sept 26 Sept 29 Sept 30

15 Benefits & Services Fair The following vendors and Georgia Regents service groups may be available to talk to staff about services and benefits offerings, and answer questions! Ascension Bank of America (FSA/HSA) Colonial GRMA Concierge Services Delta Dental Employee Pharmacy Employee Health Employee Assistance Program Employee Discount Program EyeMed Vision The Family Y GRU Cancer Center GRU Equality GRU Wellness Center HCCU Hyatt Legal Long-Term Care Insurance Office of Advancement Patient and Family Engagement SunLife Disability The Standard Life Travelers Home/Auto UMR (Group Health Plan) Valic VPI Pet Insurance Weight Watchers

16 Departmental Support GRMC Benefits offers departmental support/service Call to set up departmental meeting with a Benefits representative Your Employee Engagement Results at Work!!!

17 17 Employee etoolkit

18 Enrollment Support Triage: Web: On-Site Assistance: Human Resources on Pope Avenue Phone System :30 am 5 pm (Monday Friday) (GENERAL) (TECHNICAL) (PLAN SPECIFIC) Questions When is open enrollment, benefit fair date, employee meetings, etc.? How do I enroll? Do I have to enroll? How do I access Employee Self Services)? What is my password? I m getting an error message. What next? What are my plan options? What is a HSA? How do I use my FSA? Which medical plan is best for me? Where can I find additional information?

19 Helpful Online Enrollment Tips Use Internet Explorer as Your Browser Disable Pop-up Blockers Place ESS in Compatibility Mode Recovery of Password

20 Employee Flu Fair Coming Friday, October 17 9:00 a.m. 3:00 p.m. Front Lawn of the Georgia Regents Medical Center Dedicated walk-in flu clinics will be offered October 17 to December 5 Monday Friday, in Employee Health on Pope Avenue

21 Questions?