2018 Open Enrollment. Postdoctoral Fellows. October 30 November 17, Benefits Effective January 1, Your Columbia University Benefits

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1 2018 Open Enrollment October 30 November 17, 2017 Postdoctoral Fellows Benefits Effective January 1, 2018 Your Columbia University Benefits As a Postdoctoral Fellow at Columbia University, you can take advantage of medical and dental benefits. We are committed to providing you with valuable 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 that will best meet your needs for Included in this Open Enrollment packet, you will find the 2018 Benefits Highlights, which provides additional information about your benefits plans. You can also access a copy of the 2018 Benefits Highlights online at 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 your 2018 Monthly Contributions for Coverage...3 Making Changes to Your Benefits...5 Important You must make an election for 2018 even if you waive the University s medical coverage. You will also be required to complete an Attestation Statement. 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 what s new for What s New for Contribution Rates. Your contributions will increase for Go to page 3 to view the new rates. Expanded Travel Vaccination Coverage. If you are traveling out of the country, travel vaccinations will now be covered under the medical plan (deductible and coinsurance will apply). New Preventive Care Coverage. To learn more, go to Enroll in Your Benefits through the CU Benefits Enrollment System. For 2018, you can enroll in your benefits through the CU Benefits Enrollment System, a website that gives you secure access to personalized information about your benefits. The CU Benefits Enrollment System is available 24/7 from any computer with Internet access, which means you can enroll anytime during Open Enrollment. To get started: xgo to xclick on Log In: Benefits Enrollment System and enter your UNI (University Network ID) and password. xselect Click Here: 2018 Open Enrollment to begin the election process. xcomplete the Attestation Statement. xmake your elections for Medical and Dental benefits. xreview your Benefits Enrollment Confirmation before exiting the system. If you see a problem or want to make a change, simply go back into the online system and modify your election. Need Help with Benefits Enrollment on the CU Benefits Enrollment System? Personal enrollment assistance is available at both Benefits Expos November 1 (Morningside) and November 9th (CUMC) from 10:00 a.m. to 4:00 p.m., as well as the Lamont-Doherty Earth Observatory Forum. 2

3 Cost of Coverage Your 2018 Monthly Contributions for Medical, Vision & Rx Coverage Contributions are the amount you pay toward the cost of your medical, dental, vision and prescription drug coverage. Health Plan Yourself Only Yourself & Spouse or Same-Sex Domestic Partner Yourself & Child(ren) Family Choice Plus 80 $32 $32 $32 $ Monthly Contributions for Dental Your Monthly Cost (Contributions) Yourself $40 You Plus One $80 Family $119 Billing Information After your elections have been processed, EBPA, our third party billing administrator, will send billing statements (also called coupons) for your medical and/or dental contributions through the end of the calendar year to your home mailing address. You are responsible to remit payment to EBPA promptly, as instructed on the coupons. If payment is not received by the deadline, insurance coverage will be canceled for non-payment. Note: Your individual contributions are $32 per month, with your fellowship allowance or training grant expense account and departmental or other unrestricted funds available to the Principal Investigator (PI) covering the remainder of the cost. Up to 75% of your fellowship or training grant may be used by your department or PI to pay for the departmental/pi share of the costs. Contributions made by your department, fellowship allowance or training grant for your medical and/or dental coverage are treated as taxable income for you. 3

4 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. Benefit Preventive Care Includes routine cleanings, routine exams and X-rays Basic Restorative Care Includes fillings and extractions Major Restorative Care Includes crowns, root canals, bridges and dentures Columbia Preferred Dental Network Aetna Dental Network 100% 100% 100% 100% 80% 80% 60% 50% 50% Out-of-Network* Orthodontia for Adults & Children 50% 50% 50% Annual Deductible (per person) none $25 $25 Annual Maximum Benefit (per person) $1,500 $1,250 $1,250 Orthodontic Lifetime Maximum (per person) $1,500 $1,250 $1,250 * The percentage paid by Aetna Dental is limited to the network-negotiated fees. This means if you use an out-of-network dentist, your reimbursement will be based on the network fees for the services provided. For example, if your dentist bills you $800 for a crown but the network-negotiated fee is $400, you will be reimbursed for 50% of the $400 (the network-negotiated fee) totaling $200. You are responsible for paying the balance of $600 to your out-of-network dentist. Using the Columbia Preferred Dental Network When you use a dentist who participates in the Columbia University network, you receive a greater benefit for services. To locate a Columbia Preferred dentist, go to and select Vendor Contacts. Columbia Preferred dentists are located throughout the tristate area of New York, New Jersey and Connecticut. Columbia Preferred dentists accept reimbursement for services covered at 100% as payment in full. You are not responsible for paying any fees that exceed the networknegotiated fees. You also do not have to submit any claim forms when you use a network participating dentist. 4

5 Making Changes to Your Benefits There are restrictions to when you can add coverage for a dependent or make changes to your healthcare benefits during the year. After annual Benefits Open Enrollment, you will only be able to change most benefits for the remainder of the calendar year if you experience a Qualified Life Status Change. Examples of a Qualified Life Status Change include marriage, divorce, birth or adoption of a child, and loss of eligibility for coverage. For a full list of examples, go to If you have a Qualified Life Status Change during the year, you must go to the CU Benefits Enrollment System and make your changes within 31 days of the event. 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. The benefits changes must be consistent with the nature of your Qualified Life Status Change. In addition, you must provide proper documentation for your change, such as a birth certificate, marriage certificate or divorce decree. Making a Qualified Life Status Change on the CU Benefits Enrollment System To change your benefits during the year, go to hr.columbia.edu/postdoctoral-fellows and select Log In: Benefits Enrollment System ; then, log in with your UNI and password. Once you log in, complete the steps below: 1. Select Make a Qualified Life Status Change by clicking here. 2. When you get to the What Happened screen, select your Qualified Life Status Change event from the dropdown menu. Next, provide the Event Date (date of your Qualified Life Status Change). 3. On the Your Covered Dependents screen, click Add Dependents to add your dependent s personal data. When you return to the Dependent page, check the box for medical and/or dental coverage for your new dependent. Then, continue to the Qualified Life Status Change Worksheet screen. Note: The Enrollment System will provide you with a Dependent Verification Form, which includes the documentation deadline. Print this form and submit it with your documentation to hrbenefits@columbia.edu. 4. On the Qualified Life Status Change Worksheet screen, if you would like to change any additional allowed benefits, you can do so at this time. Once you are finished making changes, click Continue. 5. At the bottom of the Benefits Enrollment Confirmation screen, click Save & Submit to ensure your event is submitted to the CU Benefits Enrollment System database. Please contact the Columbia Benefit Service Center at if you have any problems changing your benefits for your Qualified Life Status Change. Important Note: You cannot enter your Qualified Life Status Change in the CU Benefits Enrollment System earlier than the event date the change must be submitted within 31 days of the event date. 5

6 Medical Plan Summary Benefit Choice Plus 80 In-Network Out-of-Network* Annual Deductible Individual Family $600 per person** $850 per person Coinsurance 80% after deductible 60% after deductible Out-of-pocket Maximum Individual Family $3,750 $7,500 $5,250 $10,500 Preventive Care 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 $30 copay 60% after deductible 80% after deductible 60% after deductible 80% after deductible 80% after deductible 80% after deductible $30 copay 60% after deductible; Precertification required 60% after deductible; Precertification required 60% after deductible; Precertification required 70% after deductible for facility-based care, including intensive outpatient programs; Precertification required $30 copay 70% after deductible Emergency Room $150 copay (waived if admitted) $150 copay (waived if admitted) Basic and Comprehensive Infertility Treatment Advanced Infertility Treatment Prescription Drug Coverage with OptumRx 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 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 * 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. ** To meet the requirements of the U.S. Department of State, J-1 Visa holders will have a $500 per person deductible applied. The Medical Plan Summary represents highlights of Plan provisions. Clinical medical management restrictions and other limits apply. See Summary Plan Descriptions (SPDs) at 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 Vision Coverage All Postdoctoral Fellows and their covered dependents who participate in Columbia s medical plan are covered by a vision benefit. Vision Benefit Choice Plus 80 In-Network and Out-of-Network Routine Eye Exams Lenses Frames Contact Lenses 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 12 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 12 months Children:* Single purchase of a pair of contact lenses or 1 box of contact lenses per eye covered at 100%. * 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 Coverage & Benefits, Vision and then Vision benefits highlights to be taken to the UHC vision website. 7

8 Benefits Expos Locations Morningside Campus Alfred Lerner Hall Roone Arledge Auditorium 2920 Broadway (at 115th Street) New York, NY Dates and Times Wednesday, November 1: 10:00 a.m. 4:00 p.m. Preventive Health Screenings: 9:00 a.m. 3:00 p.m. Flu Vaccines: 9:30 a.m. 4:00 p.m. Lamont-Doherty Earth Observatory: Benefits Forum Monell Building Lobby 61 Route 9W Palisades, NY Monday, November 6: 10:00 a.m. 12:00 p.m. CUMC Armand Hammer Health Sciences Center Teaching and Learning Center (lower level) 701 West 168th Street (at Ft. Washington Ave.) New York, NY Thursday, November 9: 10:00 a.m. 4:00 p.m. Preventive Health Screenings: 9:00 a.m. 3:00 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: cu2017). Don t take your health for granted know your numbers! References and Resources More reference materials are available on the Columbia Benefits website. Go to postdoctoral-fellows 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. 8