April 23 May 19 Benefits Effective July 1, 2018
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1 April 23 May 19 Benefits Effective July 1, 2018
2 TODAY S TOPICS Open Enrollment McGohan Brabender: Who we are and how can we help you? Core Benefits Medical/Rx Benefits Dental Benefits Vision Benefits Life & Disability Benefits What do you need to do? Questions
3 SUPPORT SERVICES McGohan Brabender Customer Care Team Should you have questions on claims, coverage, billing, etc. MB can help. MB s Customer Care Team can call the carrier on your behalf and resolve the issue: or us at: CustomerService@mcgohanbrabender.com Hours of Operation: M F 8:00 a.m. 5:00 p.m. EST HR Should you encounter issues that you are unable to resolve, please call: Elizabeth Foos HR Department: ekfoos@owu.edu
4 Medical Overview: Staying with Anthem Effective July 1, Employees will have TWO plan choices: PPO 1000 & HDHP 3000 The plans offer: Comprehensive Medical Coverage Preventive Care Services are covered 100% (in-network) Prescription Drug Plan Discounted Rates with Providers Features of the HDHP: Lower premiums for the higher deductible Tax savings OWU contribution to the HSA
5 IN-NETWORK BENEFITS PPO 1000 HSA 3000 Deductible $1,000 / $2,000 $3,000 / $6,000 Deductible Plan Year or Calendar Year Calendar Year Calendar Year (any previous PPO deductible accumulated will be counted towards HDHP deductible) Embedded or Aggregate? Embedded Embedded Coinsurance 10% 20% Out-of-Pocket Maximum (Includes Deductible) $3,500 / $7,000 $6,000 / $12,000 Office Visit Co-pay $30 Co-Pay Deductible then co-insurance Specialist $60 Co-Pay Deductible then co-insurance Urgent Care Co-pay $75 Co-Pay Deductible then co-insurance Emergency Room $250 Co-Pay Deductible then co-insurance Wellness/Preventive Care Covered at 100% Covered at 100% Prescription Drug Retail Copay $10 / $35 / $70 / 25% Deductible then co-insurance Prescription Drug - Mail Order Copay $10 / $65 / $120 / 25% Deductible then co-insurance
6 THE HSA WORKS WITH THE HDHP HDHP = The MEDICAL Plan The HDHP provides coverage after the annual deductible is met and preventive care services are covered at 100%. HSA = The BANK Account Funds in the HSA can be used to pay for eligible medical, dental and vision related expenses. Health Savings Account (HSA) Helps Pay Your deductible Tax-Deductible Deposits Tax-Deferred Growth Tax-Free Withdrawals For Medical Care
7 HSA ADVANTAGES You own the account You decide to pay for current or save for future expenses You decide how much is deposited An HSA builds over time (not use it or lose it) Opportunity to invest Retirement Savings Contributions are Pre-tax (through Section 125 plan). Federal, State, FICA and local tax savings. Any contributions made after tax would be an above the line deduction. HSA funds accumulate tax-free A beneficiary would be designated on the account in the event the account holder passes away. Qualified expenses paid with PRE-TAX dollars!
8 FLEXIBILITY Ability to change your contribution throughout the year With HR approval you can start, stop, increase and/or decrease your contributions through payroll deduction throughout the year. You never lose access to the funds in your HSA even if you: Don t use it by the end of the year the money rolls over and you maintain the opportunity to contribute up to the yearly maximum. Terminate or transfer employment you own the account, all funds stay with you. Terminate enrollment in a HDHP at this point you can no longer make contributions but can still use the funds for qualified expenses. OWU s HSA Contributions $1,500 / Single $3,000 / Family Contribution Limit: $3,450 / Single, $6,850 / Family (these contribution limits include OWU S HSA contribution)
9 HOW CAN I USE MY HSA FUNDS? Funds withdrawn for qualified expenses are tax free when used to pay for eligible health care expenses. Some example are: - Childbirth Classes - COBRA Premiums - Co-Insurance Amounts (after deductible is met) - Contact Lenses/Solutions - Deductible Expenses - Dental Treatment - Eye Exams/Eyeglasses - Health Insurance Premiums (Retiree or while drawing unemployment) - Hospital and ER Services - Laboratory Fees - Medicare Premiums - Long Term Care Premiums - Orthodontia - Over the Counter Medication when a script is obtain from a physician - Insulin - Physical Therapy - Radial Keratotomy/Lasik Surgery - Smoking Treatment Program - Speech Training - Vaccines - Weight Loss Programs(prescribed for illness)
10 RECORD KEEPING Who is responsible for keeping track of what the HSA funds are used for? YOU ARE. You should keep a listing of ALL of the withdrawals that occur from the HSA and the qualified medical expenses they correspond to in case needed to: P rov ide proof t o the I RS that d ist ributions from H S A were for q u a lifie d medical ex p e n s e s P rov ide proof t h a t t h e deductible wa s met u n d e r the H D H P NOTE: N ot a ll medical ex p e n s e s p a id out of t h e H S A hav e t o be charg e d a ga inst t h e deductible. ( i. e. denta l c a re, v is ion care ) in ord e r t o be cons idere d qualifie d, ; however, a ll non- q u a lified withdra wa ls a re s u b j e c t to income ta xe s a n d a 20% IRS penalty. You will be required to file a Form 8889 with your annual tax return. Your bank will report contributions and distributions to both you and the IRS.
11 FSA Overview HRPro Flex Spending $2,650 & Dependent Care $5,000 $500 Carryover if enrolling in the plan Benny Card: You will keep the same card, HR Pro will reload July 1 st KEEP ALL RECEIPTS for your records and in case of IRS inquiry Check your current balance at
12 GoodRX GoodRx is a discount Rx Site Here's how you can use it to save: Use GoodRx's drug price search to compare prices (just like you do for travel or electronics on other sites) for your prescription at pharmacies near you. They don't sell the medications, They tell you where you can get the best deal on them. GoodRx will show you prices, coupons, discounts and savings tips for your prescription at pharmacies near you.
13 PREVENTIVE CARE Your preventive care is covered. immunizations well-woman check well-child check mammogram blood pressure tests cholesterol tests and more Preventive Care No symptoms, illness, or history prompting the screening In accordance with age and gender guidelines Diagnostic Symptoms require further diagnosis Previous abnormal test results prompt earlier or more frequent screenings Previous abnormal test results prompt rescreening.
14 Monthly Decision Rates Support effective Tool July Demo 1, 2018 and Monthly/Annual Rates Tier 1000 PPO 3000 HDHP Under $35,999 Employee $56.60 $28.30 Employee/Spouse $ $ Employee/Child(ren) $ $ Family $ $ $36 - $59,999 Employee $91.08 $45.54 Employee/Spouse $ $ Employee/Child(ren) $ $ Family $ $ $60 - $89,999 Employee $ $61.70 Employee/Spouse $ $ Employee/Child(ren) $ $ Family $ $ $90,000+ Employee $ $78.40 Employee/Spouse $ $ Employee/Child(ren) $ $ Family $ $327.70
15 WHICH PLAN IS RIGHT FOR YOU? Ohio Wesleyan University Medical and Prescription Drug Cost Examples Plan Year Beginning: July, 2018 Note: The cost shown below is an estimate for this illustration. Your actual cost will vary. Your Coverage Type Employee Only Your Prior Health Savings Account Balance: $0 Annual Amount You Plan to Contribute To H.S.A. $0 Insurer name: Your Health Status Your Approximate Federal Income tax bracket: 0.0% Illustrative Claims Cost per Service Healthy Your Approximate State Income tax bracket: 0.0% Primary Office Visit $125 Specialist Office Visit $180 Contribution Tier That Applies To You Lab and X-ray(s) $100 $36- $59,999 Inpatient Surgery $50,000 Outpatient Surgery $4,000 Contribution Options Emergency Room $650 Under $35,999 $36- $59,999 $60 - $ 89,999 $90,000 + Medical Plan * P.P.O. H.S.A. Deductible $1,000 $3,000 Coinsurance 90.0% 80.0% Out of Pocket (with Deductible) $3,500 $6,000 * Note: Other provisions apply. Please check with plan documents for full details. Calculation of Your Cost under Each Option: Your Cost P.P.O. H.S.A. Your Annual Contribution $1, $ Your Out of Pocket Expense $30.00 $ HSA / FSA Funds Available $0.00 $1, Less: HSA / FSA Funds Applied $0.00 $ Your Net Expenses $1, $ Federal Tax Savings (From HSA) $0.00 $0.00 State Tax Savings (From HSA) $0.00 $0.00 Your Net Cost after Tax Savings $1, $ HSA or FSA Balance $0.00 $1, Based on your coverage tier and health status that you have selected, your lowest cost alternative would be the H.S.A.. Generic Prescription $30 Brand Prescription $100 Annual Physicial $250 Total Claims $ Decision Support Tool Please come and meet with us afterwards! Reminder: OWU contributes a total of $1,500 / $3,000 into your HSA throughout the year. You can always change your plan next year.
16 Anthem Tools: Live Health
17
18 Healthcare BlueBook Video: m/t/levczspj5
19 The Program Sign up today by visiting Questions? Call RetireMED iq at
20 DENTAL Preferred Plan Network Benefits LOW PLAN HIGH PLAN Deductible $50 / $150 $50 / $150 Annual Maximum $1,000 $1,500 Preventive Services (Deductible Waived) Covered at 100% Covered at 100% Dental Premiums Per Month Employee Only Employee + 1 Employee Contribution LOW PLAN HIGH PLAN $26.27 $36.71 $51.51 $72.73 Family $84.14 $ Basic Services (ded. applies) 80% 90% Major Services (ded. applies) 50% 60% Child Orthodontia N/A 50% We are staying with Anthem Dental for benefits! Ortho. Lifetime Max N/A $1,000
21 VISION Benefits LOW PLAN HIGH PLAN Exam $20 Co-Pay $10 Co-Pay Vision Premiums Per Month Employee Contribution LOW PLAN HIGH PLAN Frames Lenses: Single Bifocal Trifocal $130 allowance $150 allowance featured brands 20% savings on the amount over your allowance Covered in full after $20 Co-Pay $140 allowance $160 allowance featured brands 20% savings on the amount over your allowance Covered in full after $20 Co-Pay Employee Only $8.09 $9.49 Employee + Dependents $22.87 $26.82 We are staying with VSP for vision benefits! Contact Lenses Up to $130 in allowance; Co-pay up to $60 Up to $140 allowance for contacts; Co-Pay up to $60 Lasik 15% Discount (varies by location) 15% Discount (varies by location) Frequency: Exam Lenses Contact Lenses (in lieu of glasses) Frames 12 Months 24 Months 24 Months 24 Months 12 Months 12 Months 12 Months 24 Months
22 Voluntary Life: 100% EMPLOYEE Paid Employee can elect a minimum of $10,000 up to $500,000 (not to exceed five times annual base salary) in increments of $1,000 with a Guarantee Issue of $150,000. Spouse is eligible for coverage if employee elects voluntary life. Spouse can elect a minimum of $10,000 up to $2500,000 and cannot exceed 100% of employee election. Guarantee Issue of $20,000. Employee can elect child life coverage up to a $10,000 benefit. Child Life up to age 19, or 25 if a full time student. LIFE & DISABILITY BENEFITS: ONE AMERICA Short Term Disability: 100% Employer Paid Weekly benefit of 70% income up to $1,000 for FT Hourly Staff, and $1,250 for FT Administrative Staff Elimination period: 7 th day for illness & accident Benefit Duration: 25 weeks LTD: 100% Employer Paid Monthly benefit of 60% income up to $6,000 Benefits begin on the 181 st day. Maximum Duration: Up to Social Security Normal Retirement Age Pre-existing Condition: 3 months / 12 months Basic Life and AD&D: 100% EMPLOYER Paid ALL Full-time employees, two times salary up to a maximum of $150,000 AD&D is 3 times salary, up to a maximum of $400,000
23 WHAT YOU NEED TO DO: Complete Enrollment on ADP at by May 18 th. Attend HDHP/HSA sessions at Beeghly Library, Bayley Room on April 30 th (12-1:30pm), May 3 rd (4-5pm, 5-6pm) if you would like more information If electing voluntary life for the first time or making any changes in coverage (adding dependents, etc.), you will have to fill out an Evidence of Insurability Form (EOI)
24 WHAT YOU Need Assistance? NEED TO Carrier DO: Websites and Customer Service Number If you need personal assistance with benefits, contact: Scott Simon / Elizabeth Foos HR Department: / slsimon@owu.edu / ekfoos@owu.edu Medical Benefits & Dental Anthem Blue Cross & Blue Shield Manage your medical and dental benefits at Customer Service: Coverage while traveling: ( BLUE) Anthem will issue personalized ID cards when you enroll for coverage. You can request replacement cards or print a temporary ID at Vision Benefits VSP Manage your vision benefits at Customer Service: Broker for all lines of coverage McGohan Brabender Life & STD/ LTD Benefits Anthem Life Manage your ancillary benefits at Customer Service: If you need additional claims assistance, you can contact the Customer Care Team at: Phone: or Fax: , customerservice@mcgohanbrabender.com
25 Questions? 25
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