YOUR HEALTH, YOUR CHOICE

Transcription

1 2017 OPEN ENROLLMENT IMPORTANT INFORMATION YOUR HEALTH, YOUR CHOICE» CHOICEPLUS MEDICAL FOR 2017, NORFOLK SOUTHERN will continue offering two medical options, both of which allow eligible participants to open a Health Savings Account (HSA), an economical way to pay for out-of-pocket health care expenses. YOUR OUT-OF-POCKET EXPENSES DEDUCTIBLE The deductible is the amount you must pay during the year before the plan begins paying a portion of your expenses. The two medical options are MedChoice 2600 and MedChoice 5000, each cover the same medical, prescription drug, and mental health care, but the cost per paycheck and out-ofpocket expenses differ: MedChoice 2600 has a higher cost per paycheck, but lower deductible and outof-pocket maximum THERE IS NO DEDUCTIBLE FOR: In-network Preventive Care:» Annual physical» Routine screenings» Well baby exams Tobacco cessation products Contraceptives Preventive drugs YOU MUST MEET THE DEDUCTIBLE BEFORE THE PLAN PAYS ANYTHING FOR: Other medical services Mental health & substance abuse Non-preventive drugs MedChoice 5000 has a lower cost per paycheck, but higher deductible and outof-pocket maximum If you are currently covered under ChoicePlus, you and any covered dependents will be enrolled automatically in the same option for However, you may change this option during Open Enrollment. If you waived ChoicePlus coverage for 2016, you must enroll in a 2017 plan during Open Enrollment to get coverage. You must re-enroll in Dependent Care FSA each year. For employees who elect family coverage, the deductible is met when expenses for one family member or a combination of two or more family members reaches the family deductible. To find out if your prescription drugs are preventive or nonpreventive, and what coinsurance may apply, call CVS/ Caremark at (877) or log on to caremark.com, and click on Covered Drug List (Formulary) > Preventive Drug List. OUT-OF-POCKET MAXIMUMS The out-of-pocket maximum is the most you will pay in a year for covered expenses. If you meet the out-of-pocket maximum, the company will pay 100 percent for covered health care costs. And unlike the deductible, one person can meet the out-ofpocket maximum, even if everyone in the family does not.

2 FREE FLU VACCINATIONS HOW TO REDUCE HEALTH CARE COSTS Health care costs have continued to rise, and you may feel the effect on your wallet. Following are strategies you can use to save on healthcare expenses and get the most from your benefits. PREVENTIVE CARE SERVICES By using your CVS/Caremark prescription card, you and any dependents covered under ChoicePlus Medical can get a flu vaccination free of charge in a CVS/Caremark pharmacy or one of many other national pharmacies. Log into caremark.com and click Plan & Benefits>Pharmacy Locator>Advanced Options to find which local network pharmacies offer flu shots. Be sure to contact the pharmacy directly about their supply and schedule for administering flu vaccinations. Two of the best ways to save are by preventing disease through healthy lifestyle choices and by detecting health issues at an early stage. ChoicePlus Medical covers annual physical exams and preventive screenings at 100 percent with no deductible when you use an in-network provider. For a comprehensive list of what s covered, visit As an added benefit, some preventive screenings allow you to earn HSA funding. See the Medical Options Summary on the back page for more details. GO TO THE RIGHT PLACE FOR CARE You have a lot of options for your care. Save time and money by choosing the most appropriate option. WHERE TO GET CARE Virtual visit WHAT IT IS A virtual visit lets you see a doctor via your smartphone, tablet, or computer. COST In addition, ChoicePlus Medical covers flu shots and other routine immunizations at 100% with no deductible when they re administered by an in-network provider. Log into myuhc.com to find a provider. PREMIUM VISION Davis Vision s premium option now offers an enhanced frame allowance of up to $150 at all Visionworks locations nationwide. Convenience care or walk-in clinics Your Doctor Urgent Care Visit a convenience care clinic when you can t see your doctor and your health issue isn t urgent. These clinics are often in stores. Go to the doctor s office when you need routine care. Your doctor knows your medical history, so this may be best if your health issue isn t urgent. Ideal for when you need care quickly, but it is not an emergency. Emergency Room Life-threatening or very serious conditions that require immediate care

3 FREE HELP! TAKE ADVANTAGE OF COST ESTIMATING TOOLS United Healthcare s Cost Estimator gives you information to make more informed choices about your health care. Using your benefits, it generates a personalized out-of-pocket cost estimate for treatments and procedures. Estimated costs take your benefits into account, including your deductible, coinsurance, and out-of-pocket maximum. Logon to and click on Estimate Health Care Costs. You also can check drug costs and coverage at See what you can save by using generic drugs, or asking for a 90-day prescription. The Prescription Savings Guide also might help you find savings opportunities to discuss with your doctor. COMING IN 2017, APPLIED BEHAVIOR ANALYSIS (ABA) THERAPY THROUGH BEACON HEALTH OPTIONS! Autism affects 1 in 68 children according to the Centers for Disease Control. Early diagnosis is important because early treatment can help a child with autism make significant gains in language and social skills. Beacon Health Options ABA treatment and outcomes incorporates screening and assessment, peer-to-peer care management, utilization, therapy and medication management. Delivered by qualified autism service professionals, ABA is a customized step-by-step approach that increases useful behaviors and reduces those that may cause harm or interfere with learning. For more information on Beacon Health Options ABA therapy go to or call BEACON FAMILY RESOURCES NOW OFFERS PHONE AND VIDEO COUNSELING. Need help choosing a plan? Alex, your personal benefits advisor, is well-versed in your benefit options and ready to help. By answering a few easy questions, Alex can explain how your benefits work and provide personalized advice on which plans best meet your financial and health care needs. Find Alex on the ERC or at Need help understanding your benefits? Save yourself time by calling Health Advocate when you have questions about a medical bill, what your plan covers, or which doctor you should see. Health Advocate s team of registered nurses, claims specialists, and other trained professionals will work on your behalf to find answers and resolve any claims issues. Health Advocate can help you, your covered family members, and even your parents and parents-in-law! Just call If you have questions about your benefits, contact the HR Help Desk at or hrhelpdesk@nscorp.com. Help Desk representatives are available Monday through Friday, 8 a.m. to 5 p.m. Eastern Time. MAMMOGRAMS ChoicePlus covers mammograms at 100 percent with no deductible for women age 40 and over when you use an innetwork provider. You can call Beacon Family Resources any time, 24 hours a day, seven days a week. A licensed, highly trained professional counselor will help you decide which counseling access option is best for you telephone, face-to-face, or video. Call Member Services at

4 TAKE ADVANTAGE OF YOUR HEALTH SAVINGS ACCOUNT! WHAT IS IT? A Health Savings account, or HSA, is a type of bank account with significant tax advantages. It allows you to save money on a pre-tax basis through paycheck deductions to pay for qualified health care expenses. Both you and the company can contribute to the account, and you can change your deduction at any time during the year. Because you own the HSA, you decide when to use the money. You can use it to pay current medical expenses or save for future expenses. If you open the HSA with Optum Bank, once your account balance reaches $2,100, you can begin to invest it. Since it s your individual account, the savings are yours to keep, even if you change health plans, retire, return to agreement employment, or leave the company. WHY DO I NEED IT? While MedChoice 2600 and MedChoice 5000 cover preventive services at 100 percent, other services are subject to a high deductible. Depending on your plan and coverage, this means you must pay $1,300 to $5,000 in health expenses to meet your deductible before Norfolk Southern pays for other services. With the HSA, you can set aside money on a pre-tax basis to pay these expenses. The money is never taxed if you use it for qualified medical expenses. Because you are going to pay those expenses anyway, you can choose to use taxfree money to do it. If you don t spend the money, the balance remains in your account for future use. WHAT IF I DON T OPEN A HSA? Without a HSA, you will miss out on free company money. If you open a HSA with Optum Bank, no later than October 31, 2017, Norfolk Southern will provide quarterly deposits to your HSA, based on your coverage on the first day of each calendar quarter. Quarterly company contributions:» $100 for employee-only coverage» $225 for any other coverage level. You also can earn up to an additional $600 by completing a health survey, making a tobacco-free attestation, and committing to other activities on United Healthcare s website. HOW MUCH CAN I SAVE IN MY HSA? The funding you receive from the company, plus any contributions you make to your HSA, cannot exceed these limits in 2017: Employee Only: $3,400, or $4,400 if age 55 and older. Family: $6,750, or $7,750 if age 55 and older. These limits may be prorated based on the number of months during the year in which HSA-eligible coverage is in effect. AM I ELIGIBLE FOR A HSA? You can open a HSA with Optum Bank if you meet these requirements: You must be enrolled in ChoicePlus Medical. You cannot have any other health coverage that is not a High Deductible Health Plan. You cannot be enrolled in Tricare or Medicare. You cannot be claimed as a tax dependent on another person s tax return. You cannot be covered by a Health Care Flexible Spending Account or Health Reimbursement Account from another employer (unless it is a limited purpose Health Care FSA or HRA). HOW DO I OPEN A HSA AND GET COMPANY CONTRIBUTIONS? 1. Go to optumbank.com and click ENROLL NOW 2. Enter the required information. a. Your group number can be found on your ID card. b. The High Deductible Health Plan Effective Date is the first day you were enrolled in the plan. 3. Go to ERC>ESS>MyBenefits and click ChoicePlus Benefits Enrollment on the left navigation to change your HSA deduction at any time during the year. For more details on how the HSA works and opening an account, visit the ERC>ESS>My Benefits>ChoicePlus Information Center, myuhc.com, or call UnitedHealthcare Member Services at You will receive a debit card by mail within 7-10 days after the account is established. You can request an additional debit card by completing a request form at optumbank.com.

5 2017 CHOICEPLUS MEDICAL OPTIONS SUMMARY 2017 HSA FUNDING EMPLOYEE ONLY FAMILY HEALTHY BEHAVIORS: Health Survey 1 : $50 Tobacco-Free Attestation 2 : $250 Dental Exam Attestation: $50 Vision Exam Attestation: $50 Annual physical or prenatal exam: $100 Colonoscopy (age 50+): $100 Up to $600 Mammogram (females age 40+): $100 Cervical screening (females ages 21-65): $100 Biometric screening (required form on ERC): $100 Enrollment in Healthy Pregnancy Program: $100 Enrollment in Coronary Artery Disease Mgmt program: $100 Completion of 3 Rally Missions: $100 Company Funding Up to $400 Up to $900 Total Maximum Funding Available Up to $1,000 Up to $1,500 In-Network Coverage ChoicePlus Medical Options MedChoice 2600 MedChoice 5000 Employee Only Family Employee Only Family Annual Deductible (amount you pay before Company pays) 3,4 $1,300 $2,600 $2,500 $5,000 Annual Out-of-Pocket Maximum (your out-of-pocket costs will not exceed this limit) 3,4 $5,000 $10,000 ($5,000/person) $6,000 $12,000 ($6,000/person) Medical UnitedHealthcare at Annual Physical Exam, Routine Screenings, & Well Baby Care 5 Medical Services and Expenses Mental Health/Substance Abuse Services and Expenses Preventive (as defined by CVS/Caremark) Non-Preventive Company pays 100% (No deductible) 1. Meet applicable deductible 2. You pay 20% 3. Company pays 80% Mental Health & Substance Abuse Beacon Health Options at Tobacco cessation products Contraceptives Other prescription drugs Generics Preferred Brands Non-Preferred Brands Specialty Drugs ChoicePlus Medical Options 1. Meet applicable deductible 2. You pay 20% 3. Company pays 80% Prescription Drugs CVS/Caremark at No Deductible Meet applicable deductible Out-of-Network Coverage You pay $0 when obtained with a prescription Females pay $0 when prescribed a device, generic drug or brand name drug that has no exact generic Same Coinsurance and copays as Non-Preventive drugs You pay 10% with $4 minimum copay and $200 maximum copay up to a 30-day supply or $400 up to a 90-day supply You pay 20% with $10 minimum copay and $200 maximum copay up to a 30-day supply or $400 up to a 90-day supply You pay 40% with $25 minimum copay You pay 20% with a $200 maximum copay up to a 30-day supply or $400 up to a 90-day supply MedChoice 2600 MedChoice 5000 Individual Family Individual Family Annual Deductible 3,4 $3,000 $6,000 $5,000 $10,000 Annual Out-of-Pocket Maximum (your out-of-pocket costs will not exceed this limit) 4,6 $7,000 Medical, Mental Health/Substance Abuse Services and Expenses $14,000 ($7,000/person) $10, Provider bills you 100% 2. Company reimburses you 60% of allowable charge after you meet applicable deductible $20,000 ($10,000/person) 1 Required before earning money for any other activities. 2 Alternatively, a free tobacco cessation program, or if that is medically inappropriate, an alternative recommended by your physician. 3 Does not include expenses for non-covered services or amounts paid in excess of the Allowable Charge. 4 Deductibles & Out-of-Pocket maximums accumulate separately for In-Network & Out-of-Network expenses. 5 Includes preventive care required to be covered without cost-sharing. A list of preventive services is available on 6 Does not include expenses for non-covered services, amounts paid in excess of the Allowable Charge, or prescription drugs Norfolk Southern Corporation - All Rights Reserved K.APS