2018 Open Enrollment. Local October 30 November 17, Benefits Effective January 1, Your Columbia University Benefits

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1 2018 Open Enrollment October 30 November 17, 2017 Local 2110 Benefits Effective January 1, 2018 Your Columbia University Benefits As a member of Local 2110, you can take advantage of a comprehensive benefits package. Now is the time to review your options, think about any changes in your personal situation and choose the benefits options that will best meet your needs for How To Enroll: Log in to the CU Benefits Enrollment System The CU Benefits Enrollment System gives you secure access to personalized information about your benefits. The site is available 24/7 from any computer with Internet access, which means you can enroll anytime during Open Enrollment. To get started: 1. Go to hr.columbia.edu/support-staff. 2. Click on Log In: Benefits Enrollment System and enter your UNI (University Network ID) and password. 3. Review the online enrollment tools. 4. Select Click Here: 2018 Open Enrollment to begin the election process. 5. Make your elections for Medical and Dental benefits, Life Insurance, Healthcare Flexible Spending Account (FSA), Dependent Care FSA and Transit/Parking Reimbursement (T/PRP) accounts. Remember: You must enroll in your 2018 benefits by November 17, The choices you make during Open Enrollment will stay in effect all year unless you experience a Qualified Life Status Change (see page 5 for more details). That is just one more reason to take the time to choose carefully now. Inside This Brochure This brochure is designed to help you understand the benefits options available to you at Columbia University. Learn about benefits changes for View the complete list of 2018 Monthly Pre-Tax Contributions for Coverage...3 Important Reminders...5 What Happens if You Don t Enroll If you do not make an election for 2018: You will no longer have coverage for: Healthcare FSA* Dependent Care FSA Note: You must re-enroll for 2018 in order to have coverage under these programs for the calendar year beginning January 1, * If you are enrolled in the Choice Plus 90 medical plan, you will still be eligible for the University s contribution to your Healthcare FSA. You will be automatically re-enrolled in your current 2017: Dental T/PRP Optional Life Insurance If you are in the Choice Plus 100 medical plan, you and any covered dependents will automatically be enrolled in the Choice Plus 90 medical plan option for

2 Before you log in to the CU Benefits Enrollment System to make your choices, think about your benefits needs for next year and learn about the 2018 changes and how they may affect your enrollment decisions. What s New for 2018 New Medical Plan UnitedHealthcare (UHC) Choice Plus 90 Plan. Full-time employees may enroll in the Choice Plus 90 Plan with no contributions. For the plan summary, see the chart on page 6. Note: The Choice Plus 100 Plan will no longer be offered. University Contribution to Healthcare Flexible Spending Account (FSA). If you enroll in the Choice Plus 90 plan, you will automatically be enrolled in the Healthcare FSA and a contribution will be made by the University. Coverage in Medical Plan Individual Employee $120 Employee + Spouse or Child(ren) $240 Family $360 Annual University Contribution You can use the Healthcare FSA to obtain reimbursement for deductibles and copays, coinsurance, prescription drug copays and much more. For a list of eligible expenses, go to Expanded Travel Vaccination Coverage. If you are traveling out of the country, travel vaccinations will now be covered under the medical plan (deductible and coinsurance will apply). New Preventive Care Coverage. To learn more, go to The following programs are available at no cost to you if you are covered under the University s Basic Life Insurance Program: Health Advocate. Free 24/7 health advocacy services can help you and your spouse, dependent children, parents and parents-in-law with a variety of healthcarerelated questions and provide support, advice and coordination. Health Advocates can help you navigate Columbia benefits, contact healthcare providers, make medical decisions and figure out healthcare costs. To learn more, go to hr.columbia.edu/health-advocate. Identity Theft Program. Cigna s Identity Theft Program provides services to help you work through critical identity theft issues and gives assistance with credit card fraud and financial and medical identity theft. To learn more, go to hr.columbia.edu/identity-theft-program. Online Will Preparation Services. Plan for your family s future and financial well-being. Cigna s Will Center is secure, easy to use and available to you and your covered spouse or same-sex domestic partner seven days a week, 365 days a year. To learn more, go to hr.columbia.edu/will-preparation-services or to get started, go to cignawillcenter.com. Special Enrollment Opportunity Optional Life Insurance. If you currently have: xno Optional Life Insurance Coverage you can elect additional amounts up to 5x your Annual Benefits Salary up to a maximum of $1,000,000 of Optional Life with a simplified Evidence of Insurability (EOI).* xexisting Optional Life Insurance Coverage you can increase your current Optional Life Insurance coverage from: 3x up to a maximum of 5x your Annual Benefits Salary with a simplified EOI;* or 1x to 2x or 2x to 3x your Annual Benefits Salary up to a maximum of $500,000 without having to provide EOI.* If you canceled or were previously denied coverage for Optional Life Insurance, you can still take advantage of this enrollment opportunity. * Shortened enrollment form 2

3 Cost of Coverage Your 2018 Monthly Pre-Tax Contributions for Medical, Vision & Rx Coverage Contributions are the amount you pay toward the cost of your medical, dental, vision and prescription drug coverage through your pre-tax payroll deductions. Your healthcare contributions are deducted from your pay before any taxes are taken out. Choice Plus 90 Plan Yourself Only Yourself & Child(ren) Yourself & Spouse or Same-Sex Domestic Partner Family Full-Time $0 $0 $0 $0 Part-Time $180 $342 $378 $540 Same-Sex Domestic Partners Federal income tax rules require that your contributions toward coverage of a same-sex domestic partner be deducted from your pay on an after-tax basis. In addition, University contributions toward the total cost of coverage for your same-sex domestic partner are taxable to you. To assist with this tax burden, if you elect same-sex domestic partner medical coverage, Columbia will provide a credit of $1,000 per year ($41.67 twice a month) beginning the pay period following the effective date of your election Monthly Pre-Tax Contributions for Dental Your Monthly Cost (Contributions) for EmblemHealth Dental Full-Time Yourself $0 Family* $0 Part-Time Yourself $8.96 Family* $28.71 Your Monthly Cost (Contributions) for Aetna Dental** Yourself $27 You Plus One $68 Family $109 * Dependent children can only be covered under EmblemHealth Dental through the end of the calendar year in which they turn age 19. ** Part-Time members of Local 2110 are not eligible for Aetna Dental. 3

4 Medical Coverage Overview of Medical Coverage Columbia University offers the UnitedHealthcare Choice Plus 90 medical plan. The Choice Plus 90 plan covers a comprehensive set of services and provides in-network preventive care, such as annual physicals, immunizations and well-baby visits, at 100% with no deductible. The Plan also includes coverage for out-of-network services. If you enroll in the medical plan, you will also be automatically enrolled in prescription drug and vision coverage. The University Medical plan covers only medically necessary services and supplies for the purpose of preventing, diagnosing or treating an acute sickness, injury, mental illness, substance abuse or symptoms. For more details on the medical plan, see the SPD on the Benefits website at To understand the Medical Plan Summary, it is helpful to know the following benefits terms: Copay: A fixed amount you pay directly to the in-network provider, at the time of service. The copay for the Choice Plus 90 plan is $30 for in-network providers. Your innetwork copay accumulates toward your in-network outof-pocket maximum. Copays do not accumulate toward your deductible. Deductible: The amount you must pay each year before the Plan begins to pay for non-preventive expenses. Your in-network deductible accumulates toward your innetwork out-of-pocket maximum. Coinsurance: Once you reach your deductible, coinsurance is the amount the Plan will cover of your eligible medical expenses. You are responsible for directly paying the remaining balance until you reach the out-of-pocket maximum. The amount you pay in coinsurance will vary based on usage of medical services. Out-of-Pocket Maximum: The most you will be responsible for paying out of your own pocket each year for covered medical services. Once you reach your innetwork out-of-pocket maximum, the Plan will pay 100% of all remaining in-network covered medical expenses for the year. University Contribution to Healthcare FSA (Seed FSA Contribution) If you participate in the Choice Plus 90 plan, the University will make a contribution on your behalf to the Healthcare FSA. The contribution will be made at the beginning of the year and it will not count toward the $2,600* IRS limit. You may also contribute your own funds to the FSA, up to the IRS limit, but to do so you must enroll in the Healthcare FSA during the Open Enrollment period. With the seed FSA contribution, UHC will send two Health Care Spending Cards in your name to your home mailing address. These cards can be used as credit cards to make eligible purchases, such as prescription drugs or office visit copays. Convenient Automatic Reimbursement UHC has a convenient automated feature that processes medical, dental vision and prescription drug claims and then automatically sends reimbursement checks to Healthcare FSA participants for their out-of-pocket costs (if those claims were submitted to the Columbia University health plans). If you are enrolled in a Columbia-provided medical and/or dental plan, you will be automatically reimbursed for most medical, prescription, vision and dental out-of-pocket costs. If you prefer to manage your FSA funds and choose which expenses are reimbursed, you can opt out of the claim autorollover feature at any time through * IRS limits are subject to change. 4

5 Important Reminders Choose Your Coverage Carefully If you are currently enrolled in the Choice Plus 100 medical plan, you and any enrolled dependents will automatically be enrolled in the Choice Plus 90 medical plan option for If you do not enroll between October 30 and November 17, you will need to wait to enroll until next year s Open Enrollment to make changes to your benefits unless you experience a Qualified Life Status Change. Elections or changes you make during Benefits Open Enrollment will become effective on January 1, 2018 and will be in effect for the 2018 calendar year. Employees who do not currently have Columbia-provided medical coverage and who do not want Columbia-provided medical coverage in 2018 do not have to make an election. Your No Coverage election will continue in Make a Qualified Life Status Change If you have a Qualified Life Status Change during the year, such as marriage, divorce, birth or adoption of child, you must go to the CU Benefits Enrollment System and make your changes within 31 days of the event. The benefits changes must comply with IRS regulations. For example, if you welcome a new baby to the family, you have 31 days from the baby s birth to add them to your health insurance. For a comprehensive list of examples, go to Enrolling in the T/PRP Program You may enroll in the Transit/Parking Reimbursement Program (T/PRP) at any time during If you would like to newly enroll in or make changes to your T/PRP account, you must do so during Open Enrollment, or your election may not be in place for January 1, If you enroll or make changes to the T/PRP before the 20th of the month, your enrollment will be effective the first day of the next month. Make Catch-up Contributions to the VRSP If you are age 50 (or will be age 50 in 2018), you can contribute an additional $6,000 in pre-tax contributions to your Voluntary Retirement Savings Program (VRSP) account. This means you can contribute a total of $24,000 to the VRSP in 2018.* Review Beneficiaries Update your beneficiary information for life insurance and the retirement plans. Renew or Open a New FSA Flexible Spending Accounts (FSAs) allow you to set aside money on a before-tax basis (in equal installments from your first two paychecks each month) to pay for eligible healthcare and dependent care expenses. Healthcare and Dependent Care FSAs can help you save money by giving you a tax break. The current IRS limit for the Healthcare FSA is $2,600 and $5,000 for the Dependent Care FSA.* To contribute your own funds to either the Healthcare or Dependent Care FSA for 2018, you must enroll during Open Enrollment. If you also enroll in the Choice Plus 90 plan, you will automatically receive the University s contribution to your Healthcare FSA. * IRS limits are subject to change. 5

6 Medical Plan Summary Benefit Choice Plus 90 In-Network Out-of-Network* Annual Deductible (per person) $200 $600 Coinsurance (% paid by CU) 90% after deductible 60% after deductible Out-of-Pocket Maximum (Individual) $2,500 $4,500 Out-of-Pocket Maximum (Family) $5,000 $9,000 Preventive Care 100% Not covered Physician Office Visits, including specialists Laboratory/Radiology Services, including services rendered in a physician s office $30 copay 60% after deductible 90% after deductible 60% after deductible Inpatient Hospital Care Outpatient Hospital Care Mental Health and Substance Abuse Inpatient care Mental Health and Substance Abuse Outpatient programs 90% after deductible 90% after deductible 90% after deductible $30 copay 60% after deductible; Precertification required 60% after deductible; Precertification required 60% after deductible; Precertification required 70% after deductible for facility-based care including intensive outpatient programs; Precertification required Mental Health and Substance Abuse Outpatient Counseling $30 copay 70% after deductible Emergency Room $150 copay (waived if admitted) $150 copay (waived if admitted) Basic and Comprehensive Infertility Treatment Advanced Infertility Treatment Unlimited benefit for diagnosis and basic medical treatment, including artificial insemination $30,000 lifetime maximum for advanced treatments and Assisted Reproductive Technology including IVF, GIFT and ZIFT Prescription Drug coverage with OptumRx Retail (30 days) Generic: $10 copay Single-source: $25 copay Multi-source: $45 copay Mail-order (90 days) Generic: $15 copay Single-source: $50 copay Multi-source: $90 copay *Out-of-network coinsurance reimbursement is indexed to 190% of the Medicare Maximum Allowable Charge (MAC), including expenses in excess of the out-of-network out-of-pocket maximum. Note: The in-network deductible, coinsurance and medical and prescription copays accumulate toward the in-network out-of-pocket maximum. In addition, out-of-network out-of-pocket expenses accumulate toward the in-network out-of-pocket maximum. The above chart represents highlights of Plan provisions. Clinical medical management restrictions and other limits apply. See Benefit Summaries at Important Notes: UHC s Choice network is a national provider network and does not require a primary care physician or referrals to see specialists. UHC requires precertification for some services. If you use an in-network provider, your participating network physician or hospital generally handles the precertification process. However, it is your responsibility to confirm that your provider has obtained the necessary authorizations from UHC. If you see a provider who is out-of-network, you are responsible for obtaining precertification for most services except routine office visits. Check your Summary of Benefits and Coverage (SBC) and Summary Plan Descriptions (SPDs) available online at 6

7 Vision Coverage All Support Staff and their covered dependents who participate in Columbia s medical plan are covered by a vision benefit. Vision Benefit Choice Plus 90 Benefits apply both In-Network and Out-of-Network Routine Eye Exams Lenses Frames Contact Lenses Adults: One exam every 12 months with a $10 copay. Children:* One exam every 12 months with a $10 copay. Adults:** Every 24 months, $20 allowance for single lenses, $30 for bifocal, $40 for trifocal or $75 for lenticular. Children:* Lenses covered in full every 12 months. More frequently if medically necessary. Adults:** $30 allowance every 24 months. Children:* Up to $100 covered in full every 12 months. More frequently if medically necessary. Cost above $100 covered at 60%. Adults:** $75 allowance every 24 months. Children:* Single purchase of a pair of contact lenses or 1 box of contact lenses per eye covered at 100% every 12 months. * Child is defined as a member less than age 19. ** Available for either frames and lenses or contact lenses. Note: Provider might require payment in full at the time of service. The patient then submits a claim to UHC for reimbursement. For a listing of vision providers, please visit Click Coverage & Benefits, Vision and then Vision benefits highlights to be taken to the UHC vision website. Dental Coverage EmblemHealth Preferred Dental Benefits Plan A covers preventive, basic and major services. You may choose to use a participating EmblemHealth Preferred Program dentist or go to a nonparticipating dentist. When you receive care from a nonparticipating dentist, you pay the provider up front, and then file a claim for reimbursement. You ll be reimbursed up to the allowance shown on the EmblemHealth Dental fee schedule for covered services, which is available from EmblemHealth. If you use a participating dentist, no forms are required. For a listing of EmblemHealth dentists, go to emblemhealth.com/find-a-doctor/directory and select Dental Preferred from the menu. For more information, call EmblemHealth at Aetna Columbia Dental Plan provides you with the flexibility to see Columbia University College of Dental Medicine faculty and alumni, called the Columbia Preferred Dental Network, along with the national Aetna PPO network of dentists, all under one comprehensive program. You may also see a dentist outside of the network, although your cost will be significantly higher whenever you use out-of-network dentists. For a listing of participating dentists, go to There are no changes to your dental plan options for For more information, go to health-welfare to view the Benefits Highlights. 7

8 Benefits Expos Locations Morningside Campus Alfred Lerner Hall Roone Arledge Auditorium 2920 Broadway (at 115th Street) New York, NY Lamont-Doherty Earth Observatory: Benefits Forum Monell Building Lobby 61 Route 9W Palisades, NY CUMC Armand Hammer Health Sciences Center Teaching and Learning Center (lower level) 701 West 168th Street (at Ft. Washington Ave.) New York, NY Dates and Times Wednesday, November 1: 10:00 a.m. 4:00 p.m. Preventive Health Screenings: 9:00 a.m. 3:00 p.m. Flu Vaccines: 9:30 a.m. 4:00 p.m. Monday, November 6: 10:00 a.m. 12:00 p.m. Thursday, November 9: 10:00 a.m. 4:00 p.m. Preventive Health Screenings: 9:00 a.m. 3:00 p.m. Know Your Numbers Free Preventive Health Screenings Join us this fall at the Benefits Expos, where you can take advantage of complimentary health screenings to check your blood pressure, cholesterol and glucose levels. Results are available while you wait and a certified health professional will help you understand them. If you register in advance, you can fast before your appointment to receive additional values of LDL cholesterol and total triglycerides. Pre-register online at my.questforhealth.com and select Register Now (Registration Key: cu2017). Don t take your health for granted know your numbers! References and Resources More reference materials are available on the Columbia Benefits website. Go to to review the Benefits Highlights, the Summaries of Benefits & Coverage, annual legal notices, Benefits FAQs, vendor contacts and glossary. Questions? If you have any questions, please contact the Columbia Benefits Service Center at Please note our extended hours during Open Enrollment, Monday through Friday 9:00 a.m. to 5:00 p.m. About This Communication Benefits Brochure summarizes the changes to the benefits programs that are available to benefits-eligible employees of Columbia University. This communication is intended to be a Summary of Material Modifications (SMM) to the Medical Plans and other benefits programs. It does not include important information about exclusions and limitations. For additional details of benefits coverage, eligibility, limitations and exclusions, you must refer to the Summary Plan Description (SPD), the Summary of Benefits and Coverage (SBC) and the Benefits Highlights online at You may also want to request to receive a paper copy of an SPD or SMM by contacting the Columbia Benefits Service Center at As a requirement of the Patient Protection and Affordable Care Act, Columbia University must provide a SBC to all participants and their dependents. The SBC is designed to provide you with an easy-to-understand summary about a health plan s benefits and coverage and to help you better understand and evaluate your health insurance choices. An SBC for each medical plan is available at You may request to receive a paper copy of any SBC by contacting the Columbia Benefits Service Center at You are entitled to receive these Plan documents under the Employee Retirement Income Security Act of 1974 (ERISA). You also have other important rights and protections under ERISA, which are explained in more detail in the Summary Plan Descriptions. You can find the documents online at health-welfare. If there are any discrepancies between the information in this publication, verbal representations and the Plan documents, the Plan documents will always govern. Columbia University reserves the right to change or terminate these benefits Plans at any time. This publication is in no way intended to imply a contract of employment. The Columbia University Group Benefit Plan (the Plan ) complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability or sex. 8