2017 Open Enrollment is October 31 November 18, 2016

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1 Officers 2017 Open Enrollment is October 31 November 18, 2016 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 healthcare benefits and resources to help manage your healthcare costs. Now is the time to review your options, think about any changes in your personal situation and choose the benefits options that will best meet your needs for To Get Started: Log in to the CU Benefits Enrollment System The CU Benefits Enrollment System gives you secure access to personalized 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. Remember: You must enroll in your 2017 benefits by November 18, 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). That is just one more reason to take the time to choose carefully now. Inside This Brochure This brochure is designed to help you understand the benefits options available to you at Columbia University. Learn about benefits changes for View the complete list of 2017 Monthly Pre-Tax Contributions for Coverage Review your benefits options and important considerations before making your election What Happens If You Don t Enroll If you do not make an election for 2017, you will be automatically re-enrolled in your current 2016 Medical, Vision, Dental, Transit/Parking Reimbursement Program (T/PRP), Life Insurance (Optional, Spouse and Child) and Optional Long-Term Disability coverage. Note: To participate in the Healthcare FSA, Dependent Care FSA, HSA* and the Child Care Benefit for 2017, you must enroll during the Benefits Open Enrollment period. If you are enrolled in any of these benefits in 2016 and you do not re-enroll for 2017, you will have no coverage under these programs for the calendar year starting January 1, *Only if you are enrolled in the Health Savings Plan. 1

2 Before you log in to the CU Benefits Enrollment System to make your choices, think about your benefits needs for next year and learn about the 2017 changes and how they may affect your enrollment decisions. What s New for 2017 Optum Rx New Prescription Drug Provider. The plan offers more ways to improve your health, while keeping medications affordable and accessible. To learn more go to New UnitedHealthcare (UHC) ID Cards. If you enroll in Medical, you will receive a new UHC ID card by late December. This card will include member information for your Medical and Prescription drug coverage. Note: Vision is included in your medical coverage so you will not receive a separate vision ID card. New Contribution Rates, Deductibles and Out-of-Pocket Maximums. Your contributions, s and out-of-pocket maximums will increase for Go to pages 3-4 to view the new rates and page 6 to review the new s and out-of-pocket maximums. Individual Maximum Health Savings Account (HSA) Contribution Increasing. IRS regulations have increased the maximum contribution to the HSA to $3,400 for individuals. The family maximum remains the same: $6,750. For 2017, you must enroll in the Health Savings Plan (HSP) in order to contribute to the HSA.* Virtual Visits. Get online access to physicians 24/7 through your mobile phone, tablet or computer. Speak with a physician in real-time to obtain a diagnosis or a prescription, if necessary. For more information, go to Women s Health Programs Available through UHC: The Maternity Support Program helps ensure you and your baby receives the best care from pregnancy through the first few months of the baby s life. If you are one of the millions of people dealing with infertility, Reproductive Resource Services can help through education and guidance. A team of specialized nurse consultants can work with you throughout the treatment process. If your baby is born preterm or with a serious health problem, Neonatal Resource Services can help with a dedicated team of nurse case managers, social workers and other services. To learn more about these resources, go to Medical Benefits Abroad (MBA). MBA provides faculty and staff traveling on international business for six months or less with medical coverage. For more information, go to *Some exceptions may apply if you are enrolled in Medicare Part A or B. 2

3 Cost of Coverage: Your Contributions 2017 Monthly Pre-Tax Contributions for Medical, Vision & Rx Coverage (Full-Time) Contributions are the amount you pay toward the cost of your medical, dental, vision and prescription drug coverage through your pre-tax payroll deductions. Salary Tier Yourself Only Yourself & Spouse or Same-Sex Domestic Partner Yourself & Child(ren) Family $0 - $44,999 Health Savings Plan (HSP) $3 $12 $5 $14 Choice Plus 80 $16 $54 $28 $66 Choice Plus 90 $22 $77 $40 $95 Choice Plus 100 $82 $230 $148 $296 $45,000 - $59,999 Health Savings Plan (HSP) $10 $33 $17 $40 Choice Plus 80 $45 $159 $82 $195 Choice Plus 90 $66 $228 $118 $281 Choice Plus 100 $242 $677 $435 $869 $60,000 - $79,999 Health Savings Plan (HSP) $16 $54 $28 $65 Choice Plus 80 $60 $210 $109 $258 Choice Plus 90 $87 $303 $156 $373 Choice Plus 100 $318 $889 $571 $1,141 $80,000 - $134,999 Health Savings Plan (HSP) $18 $61 $32 $75 Choice Plus 80 $66 $233 $119 $286 Choice Plus 90 $97 $336 $173 $413 Choice Plus 100 $345 $964 $620 $1,242 $135,000 - $174,999 Health Savings Plan (HSP) $20 $66 $34 $80 Choice Plus 80 $73 $251 $130 $309 Choice Plus 90 $104 $361 $186 $446 Choice Plus 100 $363 $1,013 $651 $1,302 $175,000 - $224,999 Health Savings Plan (HSP) $27 $95 $48 $116 Choice Plus 80 $100 $350 $180 $431 Choice Plus 90 $144 $503 $259 $619 Choice Plus 100 $500 $1,399 $900 $1,798 $225,000 - $299,999 Health Savings Plan (HSP) $29 $102 $53 $126 Choice Plus 80 $109 $380 $196 $466 Choice Plus 90 $157 $547 $281 $671 Choice Plus 100 $528 $1,477 $950 $1,899 $300,000+ Health Savings Plan (HSP) $38 $136 $70 $168 Choice Plus 80 $132 $462 $238 $567 Choice Plus 90 $191 $665 $342 $817 Choice Plus 100 $528 $1,477 $950 $1,899 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 2017 Monthly Pre-Tax Contributions for Medical, Vision & Rx Coverage (Part-Time Officers of Administration) Salary Tier Yourself Only Yourself & Spouse or Same-Sex Domestic Partner Yourself & Child(ren) Family REGULAR PART-TIME SALARIED OFFICERS OF ADMINISTRATION Health Savings Plan (HSP) $271 $569 $514 $811 Choice Plus 80 $319 $670 $606 $957 Choice Plus 90 $375 $788 $713 $1,125 Choice Plus 100 $488 $1,024 $926 $1, Monthly Pre-Tax Contributions for Dental Your Monthly Cost (Contributions) for Dental Yourself $27 You Plus One $68 Family $109 Same-Sex Domestic Partner Credit 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. For 2017, the University is implementing additional salary tiers for your monthly contribution setting in an effort to assist faculty and staff in affording quality care. In addition, s and out-of-pocket maximums will change, meaning more cost will be borne by those who use the healthcare system for treatment beyond covered preventive services. And finally, for efficiency of pricing and service, UnitedHealthcare-owned OptumRx will become our new prescription drug provider. You can have a positive impact on what we collectively pay for healthcare by making an informed choice during Open Enrollment. When choosing your 2017 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 s best for you. Visit for more detailed information. For a side-by-side comparison of each of your medical plan options, view the Compare CU Medical Plans tool on the CU Benefits Enrollment System. 4

5 Important Reminders Consider Your 2017 Benefits Evaluate all of the medical plan options that are available to you and your family by using the Estimate My Medical Costs for In-Network Services tool on the CU Benefits Enrollment System at Think about your total costs what you pay at the time you use healthcare (e.g. your, coinsurance or copay) plus your paycheck 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, 2017, and will be in effect for the 2017 calendar year. If you do not enroll between October 31 and November 18, 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 child, you must go to the CU Benefits Enrollment System 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 comprehensive list of examples, go to Enrolling in the T/PRP Account You may enroll in the Transit/Parking Reimbursement Program (T/PRP) at any time during If you would like to newly enroll in or make changes to your T/PRP account, you must do so during Open Enrollment, or your election may not be in place for January 1, 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 Renew or Open a New 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 $2,550 and $5,000 for the Dependent Care FSA.* To participate in 2017, you must re-enroll during Open Enrollment. *These limits are subject to change by the IRS. How to Enroll Online for Open Enrollment 2017 Go to Click on the CU Benefits Enrollment System and log in using your UNI (University Network ID) and password. Review the online enrollment tools. Select Click Here: 2017 Open Enrollment to begin the election process. Make your elections for Medical and Dental benefits, Life Insurance, Long-Term Disability, Health Savings Account or Healthcare FSA, Dependent Care FSA, Child Care Benefit and T/PRP account. Finding a Doctor To find a doctor in the UHC network, visit and select Find a Doctor/Hospital to view the provider network. You can narrow your search by specifying the desired distance from your home or office and then searching by group, clinic, facility, specialty or condition. This site also includes the listing of Columbia Doctors who provide in-network healthcare services via UHC to Columbia s faculty and staff and their dependents. Make Catch-up Contributions to the VRSP If you are age 50 (or will be age 50 in 2017), you can contribute an additional $6,000 in pre-tax contributions to your Voluntary Retirement Savings Program (VRSP) account. This means you can contribute a total of $24,000 to the VRSP in 2017.* Review Beneficiaries Update your beneficiary information for life insurance and the retirement plans. 5

6 Medical Plan Comparison Chart Only you can decide which benefits and coverage levels are best for you and your family. Here is an overview of your medical plan options to consider before enrolling. Important Notes: UnitedHealthcare (UHC) has 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. Check your Summary of Benefits and Coverage (SBC) and Summary Plan Description (SPD) available online at Benefit Health Savings Plan (HSP) Choice Plus 80 Choice Plus 90 Choice Plus 100 In-Network Out-of-Network* In-Network Out-of-Network* In-Network Out-of-Network* In-Network Out-of-Network* Annual Deductible Individual Family $1,500 $3,000 $2,900 per person $600 per person $850 per person $400 per person $850 per person $200 per person $850 per person Coinsurance 100% after Out-of-pocket Maximum Individual Family $3,550 $7,100 $6,850 $13,700 $3,750 $7,500 $5,250 $10,500 $3,250 $6,500 $5,250 $10,500 $4,750 $9,500 $5,250 $10,500 Preventive Care 100% Not covered 100% Not covered 100% Not covered 100% Not covered Physician Office Visits, including specialists $30 copay $30 copay $30 copay Laboratory/ Radiology Services, including services rendered in a physician s office 100% after if nonhospital location; if at hospital** Inpatient Hospital Care ; ; ; $500 copay per admission ; Outpatient Hospital Care ; ; ; (including lab and radiology)** ; Mental Health and Substance Abuse Inpatient care ; ; ; $500 copay per admission ; Mental Health and Substance Abuse Outpatient Programs for facility-based care including intensive outpatient programs 70% after for facility-based care including intensive outpatient programs; for facility-based care including intensive outpatient programs; for facility-based care including intensive outpatient programs; for facility-based care including intensive outpatient programs; Mental Health and Substance Abuse Outpatient Counseling 70% after Emergency Room in-network in-network 6 *Out-of-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. **No copay for Lab and Radiology at certain designated NYC locations. See the list of NYP participating locations at ( under Contacts ). Note: In the Choice Plus plans, in-network, coinsurance and medical and prescription copays accumulate toward the in-network out-of-pocket maximum. In the HSP, the in-network, coinsurance and prescription copays accumulate toward the in-network out-of-pocket maximum. The above chart represents highlights of Plan provisions. Clinical medical management restrictions and other limits apply. See Summary Plan Descriptions (SPDs) at

7 Benefit Health Savings Plan (HSP) Choice Plus 80 Choice Plus 90 Choice Plus 100 In-Network Out-of-Network* In-Network Out-of-Network* In-Network Out-of-Network* In-Network Out-of-Network* Basic and Comprehensive Infertility Treatment Advanced Infertility Treatment 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 Prescription Drug coverage with Express Scripts Some prescription drugs are subject to annual. Copays apply up to the annual out-of-pocket maximum. Retail (30-days) Generic: $10 copay Single-source brand: $25 copay Multi-source brand: $45 copay Mail-order (90-days) Generic: $15 copay Single-source brand: $50 copay Multi-source brand: $90 copay *Out-of-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. See Summary Plan Descriptions (SPDs) at Vision Coverage All Officers and their covered dependents who participate in any of Columbia s medical plan options are covered by a vision benefit. Vision Benefits UHC Health Savings Plan Choice Plus Plans Benefits Apply Both In-Network and Out-of-Network Routine Eye Exams Lenses Frames Contact Lenses Adults: One exam every 12 months, plan pays the in-network, no copay Children:* One exam every 12 months, plan pays the in-network, no copay Adults: $100 allowance every 12 months (combined for lenses, frames and contact lenses) Children:* One pair of eyeglasses (lenses or 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 for 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 for 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. Provider might require payment in full at the time of service. The patient then submits a claim to UHC for reimbursement. For a listing of vision providers, please visit Click Benefits & Coverage, Vision and then Vision Benefits Highlights to be taken to the UHC vision website. 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. There are no changes to the Dental Plan for For more information, go to to view the 2017 Benefits Highlights. 7

8 2017 Benefits Expos Locations LAMONT-DOHERTY EARTH OBSERVATORY: BENEFITS FORUM Monell Building Lobby 61 Route 9W Palisades, NY CUMC: Armand Hammer Health Sciences Center Teaching and Learning Center (lower level) 701 West 168 th Street (at Ft. Washington Ave.) New York, NY MORNINGSIDE: Alfred Lerner Hall Roone Arledge Auditorium 2920 Broadway (at 115th Street) New York, NY 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 and enter the last four digits of your SSN, date of birth and first and last name. Don t take your health for granted know your numbers! Dates and Times Tuesday, November 1 10:00 a.m. 2:00 p.m. Wednesday, November 2 10:00 a.m. 4:00 p.m. Mini Information Sessions 10:00 a.m. - 1:00 p.m. Preventive Health Screenings: Lower Level Room 112, 9:00 a.m. 3:00 p.m. Thursday, November 10 10:00 a.m. 4:00 p.m. Mini Information Sessions 10:00 a.m. - 4:00 p.m. Preventive Health Screenings: 9:00 a.m. 3:00 p.m. Flu Vaccines: 10:00 a.m. 4:00 p.m. References and Resources More reference materials are available on the Columbia Benefits website. Go to 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 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 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. An SBC for each medical plan is available at You may request to receive a paper copy of any SBC by contacting the Columbia Benefits Service Center at 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 Summary Plan Descriptions. You can find the documents online at 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