2017 Livonia System Office Open Enrollment Overview. Gale Loftus Manager, Benefits and Records

Transcription

1 2017 Livonia System Office Open Enrollment Overview Gale Loftus Manager, Benefits and Records

2 Reflection We shall never know all the good that a simple smile can do. - Mother Teresa 2

3 Today s discussion Overview of Changes for 2017 Enrollment Details and Resources Benefit Eligibility Summary of Benefit Programs Additional Benefits Questions 3

4 Overview of Changes for

5 What s changing for 2017 Medical Annual Maximum for Health Savings Account (HSA) increasing by $50 for single coverage. $3,400 Single $6,750 Family (no change) If you apply and qualify for the Essential Assist Plan, the HRA contributions by Trinity Health are increasing to $850 single and $1,700 family Revised Live Your Whole Life program Dental - Incentive amounts will be based separately for participation from colleague and spouse/eligible adult Both plans will cover ceramic fillings and porcelain crowns on posterior teeth Both plans will cover fluoride treatment up to age 19 (previously age 14) Complete your online enrollment through Workday. 5

6 Enrollment Details and Resources for

7 Enrollment process and resources MyBenefits: mybenefits.trinity-health.org Your single source for benefits information for all colleagues across the system, including benefit summaries, benefit provider contact info and more Available from anywhere you have internet access work, home or mobile Find health and welfare information, including Open Enrollment Guides, here Click My Self Service, then click the link for your Ministry to enroll in benefits HINT: Directions are provided on the My Self Service tab. Or go to the For More Information section of your Open Enrollment Guide for step-by-step instructions. 7

8 Enrollment process and resources On the My Self Service page select: Trinity Health System Office This link will direct you to Workday You may also find links to Workday in your ZENworks window or from Pulse. To login, use your Network user name and password. 8

9 Enrollment timing You will be able to enroll in the health and welfare benefits for 2017 from: Wednesday Oct. 26 through Wednesday Through Nov. 9, 2016 Wednesday, October 26 Wednesday, November 9, 2016 Required documentation due by November 11 9

10 Why you must enroll If you don t make benefit elections during open enrollment, you will receive a default package of benefits which includes the same elections you had last year for: Medical Dental Vision Life insurance and AD&D Legal The following contributions or elections will not carry forward and you must go online to make a new election. Health Savings Accounts Flexible Spending Accounts - (medical and dependent care) PTO Cash out (non-exempt or hourly colleagues only) Keep in Mind When you enroll new dependents, you will need to provide Social Security numbers for any dependent age one year and over. 10

11 Benefit Eligibility 11

12 Trinity Health benefits: Benefit eligibility Who is eligible? Dependents who are eligible for benefits include: Eligible adult Spouse, as defined by the IRS (pre-tax) Other eligible adult who shares a permanent residence and is financially interdependent to the colleague Your and/or eligible adult's natural children, legally adopted children or children for whom you/eligible adult are the court-appointed guardian Eligible through the end of the plan year in which they turn 26 or after if they meet certain disability criteria before their 26 th birthday Eligible regardless of marital status, student status, residency or financial dependency Eligible adult may not be covered as a colleague and as a dependent Eligible children may only be covered under one colleague parent Note: Children of eligible adults may be covered only if their eligible adult is covered 12

13 Summary of Trinity Health Benefit Programs 13

14 Trinity Health benefits: Three medical plans Three medical plans give colleagues options to meet their personal family needs Traditional PPO Pay more out of each paycheck, but less at the time of service Choose this plan if you are interested in lower costs at the time you use the insurance Health Savings PPO (HDHP with HSA) Pay less each paycheck, but more at the time of service until you meet your deductible Receive annual seed money in an HSA based on enrollment tier Choose this plan to contribute to the HSA, and maximize your tax advantage as you save for current and future health care expenses Essential PPO (HDHP; Assist plan with HRA if qualify) Pay the least amount out of each paycheck, but more at the time of service Essential PPO Assist plan, including HRA with annual seed money based on enrollment tier, available for colleagues who meet certain income requirements Choose this plan if you are interested in lower payroll contributions 14

15 Three medical network tiers Each plan offers three network Tiers Each Tier offers choice in where to receive care You receive the highest level of benefits when you use the Tier 1 network and the lowest level benefits when you use the Tier 3 network To find providers and determine tiers, go to: click on the provider search link, then get started. Enter the name and location of your provider and go to plans accepted to see which tier your provider is in TIER 1 TIER 2 TIER 3 Trinity Health network facilities and aligned providers highest benefit BCBSM in-network providers All other providers (out-of-network) lowest benefit 15

16 Health Savings Account (HSA) Health Savings PPO Included with Health Savings PPO medical plan Use it to pay for current or future health care costs HSAs are a great way to save on taxes: No taxes on the amount contributed through payroll deductions No taxes on the amount withdrawn for qualified expenses No taxes on the interest earned in the account (up to amounts set by federal law) Trinity Health will make a full contribution to HSAs in January based on the coverage level elected Any money not used during the year is carried over, without any limits Change the amount contributed through payroll deductions at any time during the plan year HSA money is yours to keep and can be used for health care expenses even if you change jobs or retire HSA 16

17 Essential PPO Assist with HRA Essential PPO Assist medical plan for colleagues who meet certain income requirements You must apply to enroll in this plan and the application period is only available during open enrollment Applications due no later than Nov. 11, scan application and to the Associate Resource Center at: If you apply and qualify, you will be enrolled in the Essential PPO Assist plan, and Trinity Health will make a full contribution to a Health Reimbursement Account an HRA in January based on your coverage level Use it to pay for current or future medical costs that occur within the plan funds are automatically withdrawn as you use your medical benefits; there is no need to make a payment and submit a claim for reimbursement Any HRA money not used during the year is carried over as long as you meet the requirements and remain enrolled in this plan the next plan year You cannot contribute to the HRA Any remaining money in the HRA when you leave Trinity Health is forfeited Essential PPO Assist HRA 17

18 Trinity Health benefits: Medical and Rx Highlights Deductible (single/family) HSA/HRA Contribution Coinsurance (patient pays) Out of Pocket Maximum, including deductible, copay and Rx (single/family) Network Tier Traditional PPO Health Savings PPO Essential PPO 1 $250/$500 $1,300 2 /$2,600 $1,000 2 /$2,000 2 $750/$1,500 $2,500 2 /$5,000 $2,500 2 /$5,000 3 $1,500/$3,000 $3,500 2 /$7,000 $4,000 2 /$8,000 N/A HSA Single - $650 HSA Family - $1,300 HRA Single - $850 1 HRA Family - $1, % 10% 20% 2 20% 20% 30% Ded. = Deductible Coins. = Coinsurance 3 40% R&C 40% R&C 40% R&C 1 $2,500/$5,000 $2,600/$5,200 $3,500/$7,000 2 $4,750/$9,500 $5,000/$10,000 $5,500/$11,000 3 $9,500/$19,000 $7,000/$14,000 $9,000/$18,000 Preventive Care All 0%, no Ded. 0%, no Ded. 0% for tier 1 & 2 40% Coins for tier 3 1 HRA is only available to colleagues who participate in the Essential PPO Assist plan. 2 The individual deductible only applies to those enrolled in colleague-only coverage for the Health Savings PPO and Essential PPO Assist Plans. For all other coverage levels, the full family deductible must be met even if only one person in the family is receiving care. 18

19 Trinity Health benefits: Medical and Rx Ded. = Deductible Coins. = Coinsurance Highlights Office Visits Inpatient Admission Retail Rx (34-day supply) Mail Order Rx (90-day supply) Network Tier 1 2 Traditional PPO Health Savings PPO Essential PPO PCP $20 copay; Specialist $30 copay PCP $30 copay; Specialist $40 copay 10% Coins. 20% Coins. 20% Coins. 30% Coins. 3 40% Coins. 40% Coins. 40% Coins. 1 $0 copay; 10% after Ded. $0 copay; 10% after Ded. $0 copay; 20% after Ded. 2 3 Generic Brand Formulary Brand Non Formulary Generic Brand Formulary Brand Non Formulary $500 copay, then Ded. & 20% Coins. $1,000 copay, then Ded. & 40% Coins. $10 copay 20% Coins. (min $30/max $80) 40% Coins. (min $60/max $100) $25 copay 20% Coins. (min $75/max $200) 40% Coins. (min $150/max $250) $500 copay, then Ded. & 20% Coins. $1,000 copay, then Ded. & 40% Coins. 20% after Ded. 20% after Ded. $750 copay, then Ded & 30% Coins. $1,000 copay, then Ded & 40% Coins. $10 copay 25% Coins. (min $30/max $80) 50% Coins. (min $60/max $100) $25 copay 25% Coins. (min $75/max $200) 50% Coins. (min $150/max $300) 19

20 Plan Selection Tools On the MyBenefits website under medical and pharmacy link Coverage Advisor Link - This tool will estimate the costs of different insurance plans based on your expected use of health care services. CVSCarmark Drug Cost Estimator Link - for each plan to estimate cost of prescription drugs available 2013 CHE Trinity Health 20

21 Well-being initiative through Red Brick Unified health, productivity and well-being initiative Automatic Period 1 Period 2 Activity N/A 100 Assessment LifePoints (complete the Health Assessment) 100 Meaningful Choice LifePoints (choose from various activities that add up to 100 points) Completion Period N/A Oct. 1, March 31, 2017 April 1, June 30, 2017 Incentive Begin plan year with the Full Incentive rate for medical benefits from Jan. 1 April 30 Per-pay-period incentive value: $15 for one person $30 for two people (colleague + spouse/eligible adult) Maintain lower per pay period cost for medical benefits from May 1 July 31 Maintain lower per pay period cost for medical benefits from Aug. 1 Dec. 31 Learn More Online at mybenefits.trinity-health.org and click Live Your Whole Life Or call

22 Trinity Health benefits: Dental 1 2 Two Dental Plan Options: High Plan Standard Plan In-Network Highlights High Plan Standard Plan Network(s) Premier and PPO Premier and PPO Deductible $25/$50 $50/$100 Annual maximum (non-ortho) $1,750 $1,500 Preventive care 100% covered 100% covered Basic restorative services 80% after deductible 60% after deductible Major restorative services 60% after deductible 50% after deductible Orthodontics 50% Not covered Orthodontics lifetime max $1,500 Not covered 22

23 Trinity Health benefits: Vision 1 2 Two Vision Plan Options: High Plan Standard Plan In-Network Highlights High Plan Standard Plan Vision exam 100% covered $10 copay Lenses Frames Contact lenses (in lieu of eyeglasses) Necessary Elective (selection) Elective (non-selection) 100% covered for: Standard, Deluxe, Premium, Platinum Progressive, Photochromic and Polycarbonate lenses Standard scratch-resistant, standard anti-reflective, ultraviolet and edge coating Tints 100% covered for: Polycarbonate lenses Standard scratch-resistant coating $150 retail allowance $150 retail allowance 100% covered 100% covered (up to 8 boxes) $200 allowance 100% covered 100% covered (up to 6 boxes) $175 allowance 23

24 Flexible Spending Accounts (FSAs) FSA Health Care Pay for eligible health care expenses, such as medical, prescription drugs, dental and vision Contributions deducted before taxes from your biweekly paycheck Full Health Care FSA election is available Pay via debit card or submit claims through WageWorks online portal ( or mobile app May be used for expenses through March 15 immediately following the plan year (Dec. 31) Any money not requested for reimbursement by March 31 following the plan year will be forfeited Remember: If you choose the Health Savings PPO (with an HSA), you are not eligible to participate in the Health Care FSA 24

25 Flexible Spending Accounts (FSAs) FSA Dependent Care Pay for eligible dependent care expenses for eligible dependents, such as day care and elder care services Contributions deducted before taxes from your biweekly paycheck Only your current FSA balance is available to use May be used for expenses during the plan year (through Dec. 31) Any money not requested for reimbursement by March 31 following the plan year will be forfeited Submit claims through WageWorks online portal ( or mobile app 25

26 Trinity Health benefits: Life and AD&D Trinity Health paid Basic Life Insurance 1x annual base salary (max $1.5 million) Basic AD&D 1x annual base salary (max $1.5 million) Colleague paid Supplemental Life and AD&D 1x to 8x annual base salary (max $1.5 million) Spouse Life $10,000, $20,000, $50,000, $80,000 or $100,000 Child Life $5,000, $10,000 or $20,000 26

27 Trinity Health benefits: Additional benefits Additional Health and Welfare benefits to enroll in during open enrollment: Group Legal Plan Easy and low-cost access to attorneys for a selection of personal legal service Additional Misc. Benefits for colleagues outside of open enrollment to take advantage of throughout the year. Adoption Assistance You are eligible to receive financial help with eligible expenses for each child you adopt with a per adoption maximum Employee Assistance Program (EAP) Free, confidential support to assist you with a wide variety of services, from finding solutions to personal and family issues to supporting you in completing daily life responsibilities 27

28 Important Reminders Read and review the 2017 benefits guide and watch videos on the website to learn more about your 2017 benefit choices Enroll online by using the Workday Website. From your Inbox worklet, click on the open enrollment change notification to start the benefits selection process. If adding new dependents to your plan, scan the required documentation to the Associate Resource Center by no later than Nov. 11. If enrolling in the Essential PPO Assist Plan, scan and the Associate Resource Center the application and most recent 1040 or 1040EZ no later than Nov

29 Questions and Contact Information For more information: Refer to your 2017 Benefits Guide on the MyBenefits website Go to the my benefits website at: mybenefits.trinity-health.org Refer to the Special Edition of NewsWorks dated Oct. 20, Colleagues contact the Associate Resource Center at: or by at: Executives contact Gale Loftus at: or at: Extended phone service hours on Nov, 7, 8 and 9 Questions? 29

30 The information provided in this summary is designed to assist you with understanding your options under Trinity Health s welfare benefit plans and programs. It is only an overview and is not intended to be a comprehensive description of the benefit plans and programs available to you. It does not constitute a contract and is not meant to interpret, extend or change any plan or program provisions in any way. The summary plan descriptions and official plan and program documents describe the plans and programs in more detail, and you should refer to these documents for answers to your specific questions regarding the plans and programs, including what services are covered by a plan. If there is a discrepancy between printed materials, the official plan and program documents will prevail. Trinity Health retains the right to make changes to or terminate its benefit plans and programs at any time, including making changes to comply with and exercise its options under the Affordable Care Act and other applicable laws. To view the summary plan descriptions and certificates of coverage, visit the MyBenefits intranet site at For any plan or program in which you participate, you also have the right to request from the colleague s employer or Total Rewards Benefits & Well-Being, Trinity Health, Victor Parkway, Livonia, MI 48152, a full printed copy of the summary plan description or certificate of coverage and other official plan or program documents. There will be no charge for the printed copies. All Trinity Health group health plans provide care coordination, care management, utilization review and referral services to help manage the health care provided to covered members. By enrolling in a Trinity Health group health plan, you understand the plan will provide services to manage each covered member s care. These services may be provided through independent third-party administrators, a clinically integrated network of hospital, physicians and other health care providers and professionals ("CIN") and other health care providers. Your participation in a Trinity Health group health plan means the persons contracted to provide these services will have access to your personal health information, including health information you disclose through wellness programs and well-being activities. Trinity Health facilities and health care providers and professionals affiliated with Trinity Health facilities participate in certain CINs. You may be contacted about your health care by a CIN, including by individuals at a Trinity Health facility or providers who are performing services for the CIN or directly for the group health plan. Information about your medical treatment at any facility and from any health care provider or professional may be accessed and used by individuals who work at a Trinity Health facility or provider (including your employer) participating in a CIN or the group health plan not only for treatment but also to manage and coordinate your health care. Any access to, use or disclosure of protected health information will comply with the privacy and security regulations under the Health Insurance Portability and Accountability Act and any applicable state privacy and security laws. 30