2018 Health and Benefits Annual Enrollment Overview

Transcription

1 2018 Health and Benefits Annual Enrollment Overview Presented by Global Benefits FOR INTERNAL USE ONLY SEPTEMBER 2017

2 Agenda Health and Benefits Annual Enrollment Overview 2 What s New for Plan Offerings Medical Plan Contribution Rates 5 How to Enroll 6 Webcasts and Other Communications 7 Questions and Answers 8 Appendix 1

3 2018 Health and Benefits Annual Enrollment Overview

4 2018 Health and Benefits Annual Enrollment Overview October 23 to November 10, 2017 This year's annual enrollment will start October 23 at 8:00 am ET and will end November 10, 2017 at 11:59 pm ET. ALL colleagues should use this as an opportunity to take a look at their health care needs for 2018 You do not have to actively elect the following benefits: Medical, Dental, Vision, Life, Disability, Transportation, other MMC-Sponsored Benefits and Voluntary Offerings other than: Health Care Flexible Spending Account Dependent Care Flexible Spending Account Limited Purpose Health Care Flexible Spending Account Health Savings Account 3

5 What s New for 2018

6 What s New for 2018 Benefit changes are taking effect January 1, Health Care Flexible Spending Account and Limited Purpose Health Care Flexible Spending Account Annual contribution limit is increasing to $2,600 (up from $2,550 in 2017). Health Savings Account (HSA) Annual contribution limit for individual coverage is increasing to $3,450 (up from $3,400 in 2017) Annual family coverage is increasing to $6,900 (up from $6,750 in 2017). The age reduction will be removed from Voluntary AD&D insurance. The Identity Protection Benefit Program has been enhanced to include two comprehensive coverage choices, PrivacyArmor or PrivacyArmor Plus. MSK Direct, a new resource for cancer treatment. 5

7 What s New for 2018 MSK Direct MSK Direct (launched September 1, 2017), provides direct access to a team of dedicated professionals (experienced nurses, social workers and MSK Care Advisors) at MSK who specialize in navigating the cancer treatment process. If you use an MSK facility, the staff at MSK Direct will provide: A timely and convenient appointment with a specialist within 2 business days of speaking with a representative (subject to availability of your medical records, your ability to travel to MSK, and health insurance coverage for care at MSK). Answers to general questions about cancer treatment and the cancer treatment process. Help gather necessary medical records in advance of your first appointment. There is no cost to you for using MSK Direct and MSK Direct services. However, any medical care provided by MSK is not part of the services provided by MSK Direct, and will be provided according to your medical coverage and subject to the terms and conditions of your medical coverage. Your share of the cost of services will depend on the terms and conditions of your medical coverage. 6

8 2018 Plan Offerings

9 2018 Plan Offerings Four medical plans: $400 Deductible Plan $900 Deductible Plan $1,500 Deductible Plan $2,850 Deductible Plan These plans are named for the deductible applicable to the individual for In-Network service providers. The deductibles applicable to any other coverage level (for example, Family coverage ) or for services provided by Out-of-Network service providers will be significantly higher than (in many instances, double) the amounts captured in the names of the plans. Each plan will be offered by the following providers: Aetna Anthem BlueCross BlueShield UnitedHealthcare Kaiser (CA, CO, GA, WA, OR, VA, MD, DC residents only) The Hawaii HMO and Hawaii PPP will remain in place 8

10 2018 Plan Offerings Summary Medical Dental Vision Medical Dental and Vision Spending Accounts Health Care Flexible Spending Account Limited Purpose Health Care Flexible Spending Account Health Saving Account Dependent Care Flexible Spending Account Basic Life Insurance Business Travel Accident Group Variable Universal Life - Optional Life - Spouse Term Life - Child(ren) Term Life Personal Excess Liability Insurance Voluntary AD&D Disability Short Term Disability Benefits Payroll Policy Long Term Disability - Basic Long Term Disability - Optional Long Term Disability - Long Term Disability Bonus 9

11 2018 Plan Offerings Summary (continued) Other Benefits Ayco s SurvivorSupport Financial Counseling Service Back-Up Care Advantage Program HelloWallet Legal Assistance Plan MSK Direct Best Doctors Wellness Benefits Employee Assistance Program Family Resource Program Healthyroads Program Health Advocate Program Voluntary Offerings Choice Auto/Home Insurance Identity Protection Benefit Program Pet Insurance International Medical Travel Insurance. Voluntary Offerings made available directly through Mercer Marketplace benefits enrollment website Accident Insurance Critical Illness Hospital Indemnity Transportation Transit Account Parking Account 10

12 2018 Medical Plan Contribution Rates

13 2018 Medical Plan Contribution Rates Rate Reduction Chart Completed & Submitted Validated Biometrics & PHA by 7/31/2017 Know Your Numbers HealthyMe Reductions Employee Only Coverage Employee + Spouse/Domestic Partner Coverage Employee + Child(ren) Coverage Neither Completed $0 $0 $0 $0 Family (Employee + Spouse/Domestic Partner/Child(ren) Coverage) Employee Completed, Spouse/Domestic Partner Did Not Complete Spouse/Domestic Partner Completed, Employee Did Not Complete Employee and Spouse/Domestic Partner Both Completed $600 $600 $600 $600 $0 $600 $0 $600 $600 $1,200 $600 $1,200 12

14 How to Enroll

15 How to Enroll Enrolling in your benefits on the Mercer Marketplace Benefits Enrollment Website Ready to Enroll? Once you've accessed the Mercer Marketplace benefits enrollment website, click on Get Started. You will need to: Review, add or edit your eligible family members, if needed. Select Next. You will be then taken through a series of steps to complete your enrollment. You must save your elections to advance to the next benefit plan. You will need to check off that you have reviewed each benefit election and then click on Complete Enrollment. 14

16 How to Enroll Enrolling in your benefits on the Mercer Marketplace Benefits Enrollment Website (continued) Remember to: Use the educational resources to learn more, compare plan features and costs. Review the summary of your enrollment elections. You can make changes up until the enrollment period ends. Print a copy of your Employee Detail Report for future reference. A confirmation statement will be mailed to your home in December. 15

17 How to Enroll Enrolling in your benefits on the Mercer Voluntary Benefits Website Access the Voluntary Benefits website to enroll in additional benefits for 2018, including Marsh & McLennan Companies -sponsored programs such as Group Variable Universal Life Insurance. The Voluntary Benefits website has information you need to enroll in Marsh & McLennan Companies-sponsored benefits and additional offerings made directly available to you, such as Choice Auto & Home Insurance. Click on each benefit to learn more about it. If you decide you want to enroll, click the enroll button in that section. Once you have completed your enrollment, you may print a confirmation statement for your records. 16

18 2018 Extended Service Center Hours The Employee Service Center hours will be extended during the Health and Benefits Annual Enrollment period between October 23, 2017 and November 10, Employee Service Center Hours Monday - Friday from 8:00 am to 10:00 pm ET Voluntary Benefits Hours Monday - Friday from 8:00 am to 9:00 pm ET and Saturdays from 8:00 am to 2:00 pm ET 17

19 Webcasts and Other Communications

20 Attend An Upcoming Webcast! DATE WEBCAST 9/ Health and Benefits Annual Enrollment Overview All Colleague (11:00 am and 3:00 pm ET) 10/3 Anthem BlueCross BlueShield and Express Scripts 2018 Medical-Prescription Benefits 10/4 Aetna and Express Scripts 2018 Medical-Prescription Benefits 10/5 UnitedHealthCare and Express Scripts 2018 Medical-Prescription Benefits 10/10 Trion 2018 Spending Accounts and Health Savings Account Benefits Overview 10/11 MetLife Dental and VSP Vision 2018 Benefits Overview 10/12 Best Doctors, Cigna EAP, Health Advocate and MSK Direct 2018 Additional Programs Overview 10/17 Voluntary Benefits/Supplemental Plans/GVUL 2018 Benefits Overview 10/18 Bright Horizons, Healthyroads, LifeCare 2018 Additional Programs Overview 10/19 Kaiser 2018 Medical and Prescription Benefits 10/20 WageWorks, TRIP and HelloWallet 2018 Programs Overview Visit Wellbeing At Work Calendar through Colleague Connect Career & Rewards Wellbeing At Work for a complete schedule and to replay recorded sessions. 19

21 Other Annual Enrollment Communications DATE COMMUNICATION PIECE 9/21 - Annual Enrollment is Coming Wellbeing At Work Article; Colleague Connect Campaign Article; Enterprise Postings 10/12 - Annual Enrollment is Starts Soon, Annual Enrollment Tools/Resources Wellbeing At Work Article; Colleague Connect Campaign Article Annual Enrollment Guide Available 10/23 - Annual Enrollment Begins Today Wellbeing At Work Article; Colleague Connect Campaign Article 11/3 - Annual Enrollment Ends Soon Colleague Connect Campaign Article 11/9 - Annual Enrollment Ends Tomorrow 12/14 Mailing of 2018 Benefits Confirmation Statements 20

22 WELLBEING AT WORK ENROLLMENT GUIDE ENROLLMENT WEBSITES Read feature articles about this year s enrollment on Wellbeing At Work. Check out the schedule of upcoming webcasts on the calendar page. Go to the online enrollment guide on Colleague Connect to get detailed information about your 2018 health and benefit plans. Access useful tools and other resources to help you make your benefit elections. Make your benefit elections on the Mercer Marketplace Benefits Enrollment website and the Mercer Voluntary Benefits website. 21

23 Questions and Answers

24 Appendix

25 Appendix Rates Medical, Dental and Vision MC%20Combined%20Rates_Final.pdf 24

26 Appendix High Level Plan Summary MC%20High%20Level%20Plan%20Summary.pdf 25