Thank you for taking the time to learn about what s new, and how to enroll this fall.

Transcription

1 Welcome to Annual Enrollment Thank you for taking the time to learn about what s new, and how to enroll this fall. You will also receive a benefits newsletter at home. Use it as your reference for enrollment decisions, including discussions with family members about which plans are best for you. As you ll see, we don t have a lot of big plan changes for Still, this is a great time to think about whether your needs have changed in the past year or will be changing in 2017 so you can choose benefits that meet those needs. This is also an opportunity to think beyond contributions and deductibles, and picture how to create more savings, more security and better health for you and your family. Visit danaherbenefits.com for all the information you need. 1

2 We re covering three topics today: Who is eligible for benefits, What s new for 2017, and When and how to enroll. Just to remind you, you must enroll if you want to: Participate in the Health Care and/or Dependent Day Care Flexible Spending Accounts in 2017, Contribute to your Health Savings Account, when you enroll in the Health Plus Plan, and To make any changes to your coverage, such as add or subtract dependents, change plans or increase or decrease optional insurance amounts. 2

3 Next, let s talk about a key change to dependent eligibility that is not included in the newsletter. 3

4 New for 2017 you can now add your opposite-sex domestic partner to health and welfare benefits. Your domestic partner must meet the same criteria as a same-sex domestic partner to be verified after the AE period ends: You share a committed and mutually dependent relationship; You have shared the same residence for at least 12 months; Your domestic partner is at least 18 years old and unrelated to you by blood or marriage in your state of residence; You and your domestic partner are not legally married or the domestic partner of anyone else; and You and your domestic partner are jointly responsible for each other s welfare and financial obligations and can provide proof of financial interdependence. 4

5 If you want more information, the revised Domestic Partner Policy and affidavit can be found on the MyBenefits web site in the Policy section under Forms. After Annual Enrollment ends, all new dependents will need to be verified to remain covered under the Danaher health and welfare plans As a reminder, benefits for domestic partners are paid for with post-tax paycheck deductions. Imputed income may also apply, so we suggest you talk with a tax advisor if you have any concerns about the tax implications of adding your domestic partner to your coverage. Last, if your domestic partner is age 65 or older, under Medicare coordination rules they must also be enrolled in Medicare Part A and B before you enroll him or her in Danaher medical coverage o In this situation, it may make sense from a cost perspective for them to enroll in their own employer s group health plan if they re still employed or in a Medicare supplement or Advantage plan if they re no longer actively employed instead of Danaher s medical plan. o They still can be enrolled in dental, vision and dependent life insurance. 5

6 Now let s talk about what s new for

7 Here are the health plan changes you ll see for 2017: For associates in Michigan only, your medical plan administrator will move from Aetna to United Healthcare (UHC). And, Aetna coverage in New York state will be expanded to cover the southern tier of New York. Both Aetna and UHC will now provide enhanced treatment for your dependent children diagnosed with autism. The prescription drug plan for both the Basic and Health Plus medical plans will cover additional preventive medications at no cost to you. If you re enrolled in the Health Plus Plan with single coverage, you ll be able to increase your annual contribution to your HSA by $50, to $3,400. The Aetna and UHC wellness programs for 2017 will begin again on January 1. Now, here are the details. 7

8 Effective January 1, 2017, UHC will replace Aetna as the administrator for the medical plan in Michigan. UHC administers Danaher s medical plans for associates in most states. UHC will provide preventive, diagnostic and wellness benefits to all our Michigan associates and families. Most Michigan associates won t see a change in how they use their medical coverage or access medical care. Unless you make a change during Annual Enrollment, your medical plan will default to the same coverage you had for 2016 except that it will be administered by UHC instead of Aetna. Your prescription drug coverage through CVS Caremark also continues. If you are in the Health Plus Plan, your HSA will remain with Optum Bank, so you won t need to take any action with either of these programs. Michigan associates will receive their new UHC ID card in late December. Be sure to give it to your doctors beginning January 1. 8

9 Before Annual Enrollment ends, confirm that your current doctors participate in the UHC network. To do this, either: Go to the UHC pre-enrollment web site at danaher.welcometouhc.com and search for your provider, or Call Your Personal Benefits Navigator at for assistance. If your providers aren t part of UHC s network, you ll need to either select new providers or pay higher out-of-network costs to continue seeing them. If you re in the midst of critical treatment that will continue into 2017 with a nonparticipating provider, you should request Transition of Care benefits. Examples of critical treatment include pregnancy, inpatient hospitalization, chemotherapy and end stage renal disease treatment. Transition of Care coverage allows a member to continue treatment with an out-ofnetwork physician at the in-network benefit level. Transition of Care benefits are not for primary care physicians, hospitals or other facilities. To apply for Transition of Care benefits, you ll need to complete a Transition of Care form. Forms are located on the MyBenefits website at mybenefits.mydanaher.com under the Forms tab. Please be aware that you cannot apply for TOC until your enrollment is received by the health plan, so don t return the form before you receive your new UHC ID card. If you require transition of care for behavioral health treatment, call UHC member services to request it. You don t need to complete a TOC form. 9

10 In select areas of New York, Aetna will replace UHC as the medical plan provider. The Aetna network in New York will expand to both Western New York as well as its southern tier, including cities such as Corning, Elmira, Ithaca and Cortland. Aetna will provide preventive, diagnostic and wellness benefits to all our associates and families in these areas. Most associates won t see a change in how they use their medical coverage or access medical care. Unless you make a change during Annual Enrollment, your medical plan will default to the same coverage you had for 2016 except that it will be administered by Aetna instead of UHC. Your prescription drug coverage through CVS Caremark also continues. If you are in the Health Plus Plan, your HSA will remain with Optum Bank, so you won t need to take any action with either of these programs. You will receive your new Aetna ID card in late December. Be sure to give it to your doctors beginning January 1. 10

11 Before Annual Enrollment ends, confirm that your current doctors participate in the Aetna network. To do this, either: Search for your provider on the enrollment web mybenefits.mydanaher.com on the medical plan enrollment page or Call Your Personal Benefits Navigator at for assistance. If your providers aren t part of Aetna s network, you ll need to either select new providers or pay higher out-of-network costs to continue seeing them. If you re in the midst of critical treatment that will continue into 2017 with a nonparticipating provider, you should request Transition of Care benefits. Examples of critical treatment include pregnancy, inpatient hospitalization, chemotherapy, and mental health treatment. To apply for Transition of Care benefits, you ll need to complete a Transition of Care form. Forms are located on the MyBenefits website under the Forms tab. Please be aware that you cannot apply for TOC until your enrollment is received by the health plan, so don t return the form before you receive your new Aetna ID card. 11

12 To build on the clinical innovations in autism therapy, Danaher is pleased to announce that our medical plans will cover applied behavioral analysis therapy for your dependent children diagnosed with autism Coverage of this therapy under the plan s behavioral health benefits will be available beginning January 1, 2017, for associates enrolled in Aetna and UHC medical plans. Participation in an ABA program must be authorized. UHC and Aetna behavioral health advocates will assist you in determining whether your provider is a participating provider. If they re not, the behavioral health advocates will work with your provider to authorize Transition of Care benefits or help you find a participating provider. To get authorization for ABA services, call the Member Services number on your UHC or Aetna ID card. If no authorization call is made, no benefits will be available for ongoing or new ABA therapy services. 12

13 Under the Affordable Care Act (ACA), you can get some preventive care medications at no cost. We ll be covering new medications that are currently listed on the ACA preventive drug list under our Basic and Health Plus pharmacy plans. Beginning January 1, those plans, which currently cover only contraceptives and breast cancer reduction medications, will also cover such medications as tobacco cessation products, folic acid supplements and colonoscopy bowel preparation medications. These medications will be covered with $0 copay, and all will require prescriptions even those that can be purchased over-the-counter without a prescription. You can find a complete list of covered preventive medicines at danaherbenefits.com, or call Caremark Customer Care at beginning January 1 for more information. 13

14 If you re enrolled in the Health Plus Plan with associate-only coverage, you ll be able to increase your annual contribution to your HSA by $50, to $3,400, as the result of increased IRS limits for For 2017, the annual contribution limit for family coverage remains $6,750. If you move to the Health Plus Plan during Annual Enrollment, be sure to open an HSA to cover eligible health care costs and save toward your and your family s future health care needs. Consider making contributions to your HSA to help maximize your savings for the future. The chart below breaks out how your contribution, along with wellness credits and free money from Danaher, help you maximize your total annual HSA contribution. 14

15 The Danaher Wellness Program which typically runs from October 1 to September 30 ended on June 30, The wellness dollars you earned from October 2015 to June 2016 will be paid, as usual, in January. If you enroll in the Health Plus Plan in 2017, your 2016 wellness dollars will be deposited to your Health Savings Account in early January. If you waive 2017 medical coverage or enroll in the Basic Plan, your 2016 wellness dollars will be paid through Payroll beginning with your first paycheck in January The Wellness Program will restart on January 1, 2017, and run through September 30, Look for more information about the 2017 Danaher Wellness Program in December at danaherbenefits.com/health-and-wellness/wellness. 15

16 Next, let s talk about some key enrollment details. 16

17 Remember, Annual Enrollment is your once-a-year chance to make important benefit adjustments. For example, you can: Switch to a different medical plan. Add or change your enrollment in dental, vision or any other benefit plan. Add dependents, such as a spouse, a domestic partner or a new child, or remove dependents, such as a child nearing age 26 who has coverage through his or her own employer. Update your life insurance beneficiaries to make sure all the right people are protected if something happens to you. Affirm that your and your spouse s tobacco-use status is up to date for optional and spouse life insurance purposes. Review and, if you need to, reduce your optional life or spouse life insurance coverage to avoid a large premium increase if you or your spouse turns 55, 60, 65 or 70 in Remember that you must enroll if you want: o A Health Care or Dependent Day Care FSA account, or o If you want to contribute to your Health Plus Plan HSA. 17

18 Before you enroll, you must reregister your account if you haven t done so already. Follow the directions on the MyBenefits log on page. Once you reregister your account and are logged in, you can begin the enrollment process. Once you have logged in to the MyBenefits site, you ll find the benefits you re eligible for and we recommend that you do a complete review of your 2017 benefits even if you aren t planning to make any changes. Check that your dependent and beneficiary information is correct. Make your elections. Then once you ve finished enrolling, be sure to click Complete Enrollment. You will automatically receive an notifying you that your enrollment is complete. If you need to make further changes or if you notice a mistake on your benefits summary, you can go back to the MyBenefits website and begin the enrollment process again. Your final Benefits Confirmation Statement will be generated after enrollment ends. Be sure to check it to make sure that the benefit elections you made are correct. You can log back on or call the MyBenefits call center between November 28 and December 9 to make any changes or corrections. 18

19 Before we close, let s review all of the key dates for benefits enrollment. On the November 18 enrollment deadline, the My Benefits call center closes at 8 p.m. Eastern Time and the My Benefits enrollment site closes at 11:59 p.m. Eastern Time. During the week of November 28, Benefits Confirmation Statements will be available on the My Benefits website. If you did not elect to go paperless, statements will be mailed to your home during that same week. Between November 28 and December 9, you will be able to make changes or enroll, if you haven t yet, by logging into the My Benefits website or contacting the My Benefits call center. On December 9, the My Benefits call center closes at 8 p.m. Eastern Time and the My Benefits enrollment site closes at 11:59 p.m. Eastern Time. No further changes or enrollments will be processed after December 11 unless you were recently hired and did not go through Annual Enrollment in November. In December, your HSA welcome kit will be mailed to your home address if you enrolled in the Health Plus Plan for the first time. If you enrolled in an Aetna or UHC medical plan, look for your new Caremark ID card that will be mailed to your home address. Your new benefit choices are effective January 1, There s only one more thing left to do for some associates, but it s important. If you added new dependents, the Danaher Dependent Verification Service Center will mail a verification packet to your home. Be sure to complete it and return the necessary documents outlined in the packet by the deadline noted or your dependents may be removed from your coverage. 19

20 Remember: Annual Enrollment is November 7 to November 18. Thank you. 20