Our Goals for USC Employees

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Stella Perry
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1 Our Goals for USC Employees 1. Have more affordable op1ons 2. Receive incen1ves for healthy lifestyle choices 3. Understand plan op1ons and make best choices based on their needs 1

2 What is Open Enrollment? Open Enrollment is your opportunity to: Re-enroll in your benefits Make changes (add or remove a dependent, add or change plans) 2

3 Benefit Changes You may make changes aker Open Enrollment within 31 days following a qualifying event: Marriage Divorce or legal separa1on Birth or adop1on Change in your dependent s eligibility for benefits Change in work status that impacts your benefits Change in your partner s work status that impacts benefits Death of a partner or covered dependent 3

4 What happens next? You will receive a noaficaaon in your Workday inbox. You will be guided through enrollment for ALL of your benefit choices. 4

5 Benefits OpAons Health Dental Vision Flexible Spending Accounts (FSA) Life Insurance Disability Insurance HyaO Legal 5

6 Health Plans 2017: Three Plans NEW Network Medical Plan Anthem HMO Kaiser HMO 2018: Four Plans USC Trojan Care EPO USC PPO (formerly NMP) USC HMO Kaiser HMO Single 1er network Keck and partners 3 1er network Tier 1: Keck Tier 2: Anthem BC Prudent Buyer Tier 3: Others 2 1er network Tier 1: Anthem BC Advantage HMO Tier 2: Anthem BC California Care Single 1er Kaiser network 6

Provider Networks USC PPO (formerly NMP)

Tier 2 ---------------------------- Tier 3

7 Provider Networks USC PPO (formerly NMP) Tier USC Trojan Care EPO USC HMO Tier Tier Tier Others Tier

8 Monthly Employee Premiums USC Trojan Care EPO USC PPO (Network Medical Plan) USC HMO (Anthem HMO) Kaiser HMO w/ IncenAves Employee only - $ 145 $ 80 Employee + Adult - $ 303 $ 238 Employee + Child(ren) - $ 249 $ 184 Employee + Family - $ 386 $ 321 Employee only $ 180 $ 224 $ 159 Employee + Adult $ 543 $ 488 $ 423 Employee + Child(ren) $ 337 $ 398 $ 333 Employee + Family $ 543 $ 625 $ 560 Employee only $ 94 $ 121 $ 56 Employee + Adult $ 352 $ 300 $ 235 Employee + Child(ren) $ 240 $ 270 $ 205 Employee + Family $ 352 $ 385 $ 320 Employee only $ 100 $ 151 $ 86 Employee + Adult $ 322 $ 324 $ 259 Employee + Child(ren) $ 215 $ 296 $ Employee + Family $ 322 $ 431 $ 366

9 Out of pocket Maximums 2018 number in red font 2017 numbers in blue font USC PPO (Network Medical Plan) USC Trojan Care EPO USC HMO (Anthem HMO) Tier 1 Tier 2 Tier 3 Tier 1 Tier 2 Kaiser HMO Employee Employee+Adult Employee+Child $ 1,500 $ 2,500 $ 12,500 $ 1,000 $1,500 $2,500 $ 3,000 $ 1,000 $ 2,500 $ 10,000 - $2,000 - $ 3,000 $ 3,000 $ 5,000 $ 25,000 $ 2,000 $3,000 $5,000 $ 6,000 $ 2,000 $ 5,000 $ 20,000 - $4,000 - $ 6,000 $ 3,000 $ 5,000 $ 25,000 $ 2,000 $3,000 $5,000 $ 6,000 $ 2,000 $ 5,000 $ 20,000 - $4,000 - $ 6,000 Employee+Family $ 4,500 $ 7,500 $ 37,000 $ 3,000 $4,500 $7,500 $ 6,000 $ 3,000 $ 7,500 $ 30,000 - $6,000 - $ 6,000 9

10 IncenAves & Charges INCENTIVES $40/month: Health assessment $25/month: Tobacco / Nico1ne Free Incen1ve $10 off doctor office visit copays if you select primary care physician (PCP) in the USC Trojan Care EPO plan ADDITIONAL CHARGES $50/month: Working spouse add-on charge Con1nue the reading: hgps://openenrollment.usc.edu/learn/medical 10

11 If no selec1on is made, the member defaults into: The same plan and level of coverage as 2017 year same coverage 1er as health default (cost varies) Tobacco/Nico1ne smoker/user status (cost of $25 / month) Spousal add on charge (cost of $50 / month) Strongest RecommendaAon: Open Enrollment Those that do not par1cipate in open enrollment are less likely to complete the Health Assessment (loss of $40 / month incenave) 11

12 Consider This Is both your hospital AND doctor covered by your desired medical plan? Is one or the other on a more expensive :er? 12

13 Dental PPO v. DHMO Con1nue the reading: hgps://benefits.usc.edu/healthcare/dental 13

14 Dental PPO v. DHMO Provider OpAons Delta Dental (PPO) Ostrow School of Den1stry of USC Delta Dental PPO den1sts Delta Dental Premier den1sts Non-contracted den1sts United Concordia (DHMO) United Concordia contracted den1sts Maximum benefit (pp) $1,500 None within network Con1nue the reading: hgps://benefits.usc.edu/healthcare/dental/delta-dental hgps://benefits.usc.edu/healthcare/dental/united-concordia 14

15 Vision (VSP Plan) Con1nue the reading: hgps://benefits.usc.edu/healthcare/vision 15

16 Vision (VSP Plan) Service Tier I (USC Roski) Tier 2 (VSP network) Tier 3 (Out of network) Annual eye exam $0 $15 copay $15 copay (value up to $45) Eyeglass frames (every 2 years) Eyeglass lenses (every year) Progressive Lenses (every year) Contact lenses (in lieu of glasses, every year) $25 copay (value up to $200 ) Con1nue the reading: hgps://benefits.usc.edu/healthcare/vision $25 copay (value to $170) $25 copay (value up to $55) $25 copay $25 copay $25 copay (value up to $125) $55 - $175 copay $55-$175 copay $25 copay (value up to $85) Value up to $175 Value up to $150 Value up to $150 16

17 Flexible Spending Accounts Health Spending Annual Maximum $2,600 $5,000 Carry over amount $500 N/A Eligible expenses Expenses that are not eligible Deduc1bles, copayments, prescrip1ons, select OTC medica1ons (if prescribed) Insurance premiums, cosme1c surgery expenses, expenses incurred by ineligible dependents Dependent Care Daycare, babysigers, companions, before/aker school care Educa1onal programs, sleepover camps Con1nue the reading: hgps://benefits.usc.edu/other-benefits/fsas 17

18 Life Insurance Opportuni1es to buy addi1onal: Individual Life Insurance (up to 5x salary) Spouse and Dependent Life Insurance (50K/25K) Accidental Death & Dismemberment (up to 500K) Rates based on age and/or coverage amount Benefits are managed through Lifebenefits site Con1nue the reading: hgps://benefits.usc.edu/other-benefits/life-insurance 18

19 Disability Insurance Con1nue the reading: hgps://benefits.usc.edu/1meoff/disability 19

20 Disability Insurance Con1nue the reading hgps://benefits.usc.edu/1meoff/disability 20

21 AddiAonal Benefits HyaO Legal Plan $15.74/mo Con1nue the reading: hgps://benefits.usc.edu/other-benefits/legal-plan hgps://benefits.usc.edu/files/2014/07/hyag-legal-plan-usc-flyer.pdf 21

22 ReArement 2018 maximum contribuaon $18,000 Catch-up contribuaon (over 50) $6,000 Con1nue the reading: hgps://benefits.usc.edu/re1rement/re1rement-plan 22

23 Key Dates Benefit fairs UPC 11/1 (9:30am 2:00pm) HSC 11/2 (10:00am 3:00pm) Open enrollment 10/30-11/21 Health screens 10/02-11/17 23

24 What can you do? Con1nue to be an educated consumer Make sure YOUR plans meet YOUR needs Review your annual out of pocket expenses to determine if FSA is best for you Review rate comparison sheet 24

25 What can you do? Take the 1me to update personal informa1on such as: Address Phone numbers Beneficiaries (in Workday and directly with providers) 25

26 What happens next? Make sure that you are certain about ALL of your open enrollment decisions BEFORE finalizing in Workday! 26

27 Available Resources Customer Service: HR Service Center (213) or Website: hgp://openenrollment.usc.edu Provost HR website: hgp://hr.provost.usc.edu 27

28 Visit Provost HR s website

29 Visit Provost HR s website We will con1nue to update this page during Open Enrollment with helpful links.

30 Your HR Partners Student Affairs/Provost Groups - Kimberly Clarke Kclarke@provost.usc.edu Engemann Student Health Center Erika Jimenez emjimene@provost.usc.edu InformaAon Technology Services - Alma Dalnay adalnay@provost.usc.edu Libraries - Trina Wallace twallace@provost.usc.edu 30

31 Thank you! Office of the Provost Human Resources

Something for everyone. Let s find yours Benefits Open Enrollment October 30 November 21, 2017

Something for everyone. Let s find yours. 2018 Benefits Open Enrollment October 30 November 21, 2017 Make the right choice for you and your family For 2018, we re introducing new medical plan options and