Open Enrollment Changes WebEx. University System of Georgia 0

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1 Open Enrollment Changes WebEx University System of Georgia 0

2 What we ll discuss today Total Rewards Steering Committee 2019 Open Enrollment Goals and Key Messaging General Information about Open Enrollment Healthcare and Pharmacy Plan Changes Voluntary Benefits Changes Communication plan OneUSG Connect Benefits USG Well-being Questions? University System of Georgia 1

3 Total Rewards Steering Committee Dr. Donald Green Chair and Presidential Sponsor Dr. Phaedra Corso Dr. William Custer President UGA Foundation Professor of Human Health and Director of the Economic Evaluation Research Group, College of Public Health Associate Professor and Director of Center for Health Services Research, J. Mack Robinson College of Business Georgia Highlands College University of Georgia Georgia State University Carole Clerie Chief Human Resources Officer Fort Valley State University Margaret Wagner Dahl Associate Vice President for Health IT Extension Services (retired July 2018) Georgia Institute of Technology Dr. Valerie Hepburn Former President, USG Retiree College of Coastal Georgia Juan Jarrett Associate Vice President for Human Resources University of Georgia Tony Wagner Executive Vice President for Finance & Administration and Chief Business Officer Augusta University Richard Spancake Director of Human Resources Abraham Baldwin Agricultural College 2

4 Healthcare Plan Performance 2017/2018 Healthcare Plan Performance 2017 budget was slightly under budget due to better than expected claims experience 2018 estimated to come in slightly under budget How are premiums / plan design changes determined each year Self-insured plans Utilization / trend % medical; % pharmacy Benchmarking to higher ed., large employer plans State budget constraints Balancing premiums increases with plan coverage changes 3

5 2019 Open Enrollment Goals 1. Employees to accurately recertify their tobacco use status 2. Institutions to reinforce upcoming plan changes 3. Employees use the tools and resources available to them 4. Employees enroll in the best-fit plans for their coverage needs 5. Employees understand lower cost of care options University System of Georgia 4

6 2019 Open Enrollment Key Messages Active Enrollment Tobacco Certification USG Well-being Upcoming dependent verification audit University System of Georgia 5

7 General Information about Open Enrollment University System of Georgia 6

8 OE General Information OE dates: Monday, October 29 through Friday, November 9 Active enrollment (Tobacco Certification) Enroll in OneUSG Connect Benefits system or contact the OneUSG Connect Benefits call center University System of Georgia 7

9 Tobacco Certification All employees on a USG healthcare plan, as well as each of their covered dependents (age 18 and older) must certify/recertify their tobacco use status in order to avoid being charged the $75 (per person) surcharge fee. Those who do not certify/recertify their tobacco use status during open enrollment will be defaulted as a tobacco user and a $75 surcharge (per eligible dependent) will be added to their premium. Tools and Resources Anthem BCBSGa Kaiser Permanente CVS MinuteClinic Georgia Tobacco Quit Line Free Nicotine Replacement Therapy University System of Georgia 8

10 Healthcare and Pharmacy Plan Changes University System of Georgia 9

11 2019 Healthcare Premiums & HRA Anthem Blue Cross & Blue Shield & Kaiser HMO Plans Active and Pre-65 Retirees 2019 premium increase 0-5% across all plans for active employees and Pre- 65 retirees University System of Georgia 10

12 2019 Healthcare Premiums & HRA (cont d) Aon Retiree Health Exchange Post-65 Medicare Retirees For 2019, maintain the HRA subsidy of $2,736 Reasons for maintaining existing HRA subsidy Utilization review ( ) Roll over balances # of retirees exhausting balances Cost of coverage for exchange plans University System of Georgia 11

13 2019 Healthcare Plan Changes Senate Bill 118 Age limit change for ABA Autism Benefits from age 6 to age 20 Annual $35,000 benefit cap will remain the same for Anthem BCBS plans and Kaiser HMO plan Kaiser HMO No plan design changes for the Kaiser HMO plan University System of Georgia 12

14 2019 Healthcare Plan Changes Anthem Blue Cross & Blue Shield Comprehensive Care Plan: Increase in-network deductible from $500 to $750 (EE) and $1,500 to $2,250 (FAM); Increase out-of-network deductible from $1,500 to $2,250 (EE) and $4,500 to $6,750 (FAM) Increase in-network OOPM from $1,500 to $1,750 (EE) and $3,000 to $3,500 (FAM) Increase out-of-network OOPM from $3,750 to $5,250 (EE) and $7,500 to $10,500 (FAM) Consumer Choice HSA: Increase in-network deductible from $2,000 to $2,200 (EE) and $4,000 to $4,400 (FAM); Increase out-of-network deductible from $4,000 to $4,400 (EE) and $8,000 to $8,800 (FAM) Increase in-network OOPM from $3,500 to $3,700 (EE) and $7,000 to $7,400 (FAM) Increase out-of-network OOPM from $7,000 to $7,400 (EE) and $14,000 to $14,800 (FAM) University System of Georgia 13

15 2019 Healthcare Plan Changes (cont d) Blue Choice HMO: Physician Office Copay $30 to $35 Specialist Copay $60 to $70 Outpatient Hospital $200 to $250 copay Urgent Care $60 to $70 copay University System of Georgia 14

16 2019 Pharmacy Plan Changes Comprehensive Care & BlueChoice HMO: Increase Retail Rx copays: Generic: $10 copay to $15 copay Preferred Brand: $35 copay to $40 copay Non-Preferred Brand: 20% with $45 min and $125 Max to 20% with $50 min and $130 Max Increase Mail Order Rx copays: Generic: $25 copay to $37.5 copay Preferred Brand: $87.5 copay to $100 copay Non-Preferred Brand: 20% with $112.5 min and $250 Max to 20% with $125 min and $250 Max Reminder: Dispense as Written (Brand/Generic) Guidelines Generic drug alternatives Brand drug prior authorization University System of Georgia 15

17 2019 Cost and Care Finder Resources Castlight will end 12/31/18 OneUSG Connect-Benefits Health Plan Comparison Anthem Blue Cross and Blue Shield Cost Finder Tool University System of Georgia 16

18 Anthem BCBS Branding Change: 2019 ID Cards Blue Cross and Blue Shield of GA to Anthem Blue Cross and Blue Shield New ID cards will be mailed to our employees for: All BCBS members (new enrollees, plan change, existing members) University System of Georgia 17

19 Voluntary Benefit Changes University System of Georgia 18

20 Voluntary Benefit Changes Health Savings Account Changes: Increase in the individual annual contribution limit from $3,450 to $3,500 Increase in the family annual contribution limit from $6,900 to $7,000 Employer match will be the same University System of Georgia 19

21 Voluntary Benefit Changes (cont.) LifeStyle Benefits All packages include family coverage (up to 4 legal dependents) Affinity Travel Benefit Increase in cost per package option University System of Georgia 20

22 Voluntary Benefit Changes (cont.) Securian Financial (formerly Minnesota Life) Life Suites is now offered if enrolled with enrollment in basic life Retiree supplement life plans premium increase University System of Georgia 21

23 Voluntary Benefit Changes (cont.) The following plans have no changes to plan benefits or premiums: Dental plans (Delta Dental Base and High) Short and Long Term Disability Critical Illness (Aflac) Accident and Hospital Indemnity (Voya) Legal Plan (LegalEASE) Flexible Spending Account University System of Georgia 22

24 OE Communication Plan University System of Georgia 23

25 Open Enrollment Communication Plan Communication Deliverables Timing 2018 Comparison Guide and Benefits Fair posters Delivery begins Sept. 14 s High Impact with Targeted Messages: Sign-up for text messages, OE is coming, Time to enroll, OE ends System Generated Tobacco Surcharge and EOI Reminder s Postcards Sign-up for text messages, OE is coming, HSA vs. FSA Retiree Summary / Presentation What s changing, benefits overview Texts OE dates; Your health, your choice; OE is soon; OE is now; Last chance; OE ends Website Updates Benefit plans and OE detail Video Benefits overview Benefits Newsletter & OE Worksheet What s changing, how to enroll, benefits overview Sent on Sept. 12; Oct. 15, 29; Nov. 6 Finalizing schedule Mailed on Sept. 12; Oct. 10, 15 PDF available on Sept. 19 / Available on Oct. 8 Sent on Oct. 8, 16, 24, 29; Nov. 5, 8 Available after Oct. 8 Available after Oct. 8 Mailed on Oct Confirmation Statements (after OE is closed) Mailed on Nov. 16 University System of Georgia 24

26 OE Communication Plan Tobacco Surcharge Messages Post Cards High Impact s OneUSG Connect Call Center Auto-attendant OE Webex (Institutions can use for campus presentations) OE Video Employee Enrollment Worksheet Benefits Newsletter OneUSG Connect Enrollment site & USG website Confirmation Statement Alight System Generated s University System of Georgia 25

27 OE Communication Plan will be sent to HR and Benefits listserv with an OE communication outline Contain the OE s and text messages and delivery schedule Give you approximate dates for communication mailings University System of Georgia 26

28 OneUSG Connect - Benefits University System of Georgia 27

29 One website and call center for OE OneUSG Connect - Benefits Employee and retirees have two ways to make changes to their benefits Online: OneUSG Connect - Benefits website oneusgconnect.usg.edu By phone: OneUSG Connect - Benefits Call Center USGBEN ( ) System demonstrations will be done at USGHRA Conference & Interact USG Conference. 28

30 OneUSG Connect Benefits Decision-making Tools Health Cost Comparison Summary - displays summarized out-ofpocket cost information for medical and prescription drug plans as well as annual premium contributions University System of Georgia 29

31 OneUSG Connect Benefits Decision-making Tools HSA Contribution Calculator - provides you the ability to estimate your needs for a HSA University System of Georgia 30

32 OneUSG Connect Benefits Decision-making Tools Compare Coverage tool - allows you to compare benefit option, coverage tier and cost by plan for both your current and future coverage Health Plan Comparison Charts - allows you to compare key points pertaining to the different options of the health, dental and vision plans Medical Expense Estimator - allows you to see all of your expenses related to your health plan (i.e. out of pocket, claims, prescription, etc.) to assist you in choosing the option that is right for you Provider Direct - allows you to search for physicians/ health providers and hospitals/facilities in the carrier s networks, including medical, dental and vision providers and facilities. University System of Georgia 31

33 USG Well-being University System of Georgia 32

34 USG Well-being 2019 University System of Georgia 33

35 Tools and Resources Tobacco Certification Anthem BCBSGa: (800) Kaiser Permanente: (866) CVS MinuteClinic: (866) Georgia Tobacco Quit Line: (877) Free Nicotine Replacement Therapy All products must be physician-prescribed in order to have a $0 copay. University System of Georgia 34

36 Naturally Slim Pilot Programs Omada Health RedBrick Health Coaching University System of Georgia 35

37 Espyr.com password is: USGCares ESPYR Telephonic Counseling Resources & Referrals for: Child Care Elder Care Daily Living and Concierge Adoption Management & HR Consultation Pet Services University System of Georgia 36

38 Go to livehealthonline.com LiveHealth Online mobile app LiveHealth Online Psychology LiveHealth Online Doctor by your side 24/7 It s faster, easier and more convenient than a visit to an urgent care Use for common health concerns like colds, the flu, fevers, rash, infections, allergies and more Part of our BCBSGa healthcare plan, so the cost is the same or less than a primary care office visit University System of Georgia 37

39 CVS MinuteClinic Find a clinic near you: Visit minuteclinic.com (866) CVS Caremark mobile app CVS MinuteClinic provides care at many convenient locations Seven days a week, including evenings No appointment is necessary More than 125 minor illnesses, injuries and conditions are treated. University System of Georgia 38

40 Questions? University System of Georgia 39