Non-Union. Annual Enrollment Meeting
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1 Non-Union Annual Enrollment Meeting
2 Non-Union Benefit Change Highlights Effective January 1, 2016 Medical Plans UnitedHealthcare (UHC) continues as our medical insurance carrier Medical premiums will increase for Introducing new Virtual MD visits No change to the employer HSA seed amounts of $750 for Employee Only and $1500 for Family Coverage No change in either plan s Annual Deductible & Out-of-Pocket Maximums Prescription Coverage Moving Prescription coverage to OptumRx (a UHC company) Diabetic Kit Rule (DKR) and Preventive Drug List (PDL) are still in effect Vision VSP will remain our vision carrier No change to vision premiums Dental Delta Dental will remain our dental provider Slight increase to premiums $50 deductible for in-network basic and major services Oral Surgery cost will apply to calendar year max Life Insurance, Disability Liberty Mutual replacing CIGNA as life insurance and disability administrator FSA FSA administrator is moving to UHC Voluntary Plans Introducing Voluntary Coverage through Voya Critical Illness Accident Care 1
3 Medical and Prescription Drug Benefits
4 2016 Non-Union Medical/Rx Employee Contributions Plan Tier 2016 Monthly Prices 2016 Monthly Wellness Warrior Prices HDHP Employee Only $ $ HDHP Employee + Spouse $ $ HDHP Employee + Child(ren) $ $ HDHP Employee + Family $ $ PPO Employee Only $ $ PPO Employee + Spouse $ $ PPO Employee + Child(ren) $ $ PPO Employee + Family $ $ * We will continue to have a surcharge for Spousal coverage. If your Spouse has access to coverage through his/her employer, waives that coverage, and enrolls in Hussmann s plan, you will pay $1,300 annual surcharge. 3
5 Non-Union Benefits Highlights Effective January 1, 2016 UnitedHealthcare PPO In-Network Out-of-Network In-Network Out-of-Network CHP Lifetime Maximum Unlimited Unlimited Calendar Year Deductible $1,500 (ER Funds $750) Employee Only Coverage Individual $750 $1,500 $3,000 (ER Funds $1,500) for Employee plus 1 Family $1,500 $3,000 coverage* Coinsurance 80% 60% 80% 60% Out-of-Pocket Max Includes Deductible Includes Deductible and Prescription Drugs Individual $2,750 $5,500 $2,975 $5,950 Family $5,500 $11,000 $5,950 $11,900 Physician Office Visits Primary Care Deductible/80% Deductible/60% Deductible/80% Deductible/60% Specialist Deductible/80% Deductible/60% Deductible/80% Deductible/60% Preventive Care 100% Deductible/60% 100% Deductible/60% Hospital Services Inpatient Deductible/80% Deductible/60% Deductible/80% Deductible/60% Outpatient Deductible/80% Deductible/60% Deductible/80% Deductible/60% Emergency Room $75 Penalty of Non-Emergency Use Deductible/80% Deductible/80% Deductible/80% Deductible/80% CAT Scan, MRI, PET Scan Deductible/80% Deductible/60% Deductible/80% Deductible/60% 4 *Employee plus one dependent includes Employee plus Spouse/SSDP, Employee plus Child(ren) and Family coverage
6 Non-Union Prescription Drug Plan Deductible OptumRx PPO HDHP None Subject to plan medical deductible Prescription Drug Retail (30 Day Supply) Preventive Drug List $0 copay $0 copay no deductible Tier 1 $6 copay* $6 copay after deductible** Tier 2 35% coinsurance 35% coinsurance Tier 3 35% coinsurance 35% coinsurance 30% coinsurance Ded then 30% coinsurance Tier 4 (Specialty) ($50 maximum per prescription) (coinsurance maximum is $50 per person) Prescription Drug Mail Order (90 Day Supply) Preventive Drug List $0 copay $0 copay no deductible Tier 1 $15 copay* $15 copay after deductible** 30% coinsurance Ded then 30% coinsurance Tier 2 (coinsurance maximum is $150 per ($150 maximum per prescription) prescription) 30% coinsurance Ded then 30% coinsurance Tier 3 (coinsurance maximum is $150 per ($150 maximum per prescription) prescription) Tier 4 (Specialty) Must Use OptumRx Specialty Pharmacy Pharmacy Annual Out-of-Pocket 30 day supply; 30% coinsurance 30 day supply; ded then 30% coinsurance ($50 maximum per prescription ) (coinsurance maximum is $150 per prescription) 30% coinsurance Ded then 30% coinsurance ($50 maximum per prescription) (coinsurance maximum is $150 per prescription) $1,500 individual $3,000 family 5 Included in medical out-of-pocket maximum
7 Health Savings Account (HSA)
8 HSA Qualified Medical Expenses Medical plan deductibles and coinsurance Medical, dental, and vision care and services Use HSA dollars to pay for medical expenses for your spouse or dependents Any money you take out of your HSA for qualified medical expenses is income-tax free 7
9 2016 Non-Union HSA Employer Contribution Seed Money To give you a head start, Hussmann will contribute seed money into all current HSA participant accounts and new HDHP participants that open an HSA. Hussmann will seed $750 for employees enrolled in Employee Only Coverage, and $1,500 for those enrolled in Family Coverage. Note: Hussmann will only put seed money into a Wells Fargo administered HSA. If you choose to go to a financial institution of your choice, you will not receive seed money. Remember: If you are currently enrolled in the HSA, your contribution will be reset to $0 for 2016 unless you actively re-elect an employee contribution value. HSA Contribution Limits for 2016* Individual Family Maximum Limit per IRS $3,350 $6,750 Hussmann HSA Seed Money Contribution $750 $1,500 * The annual contribution limit is a combined employee + employer contribution Notes: If you are age 55 or older, you can contribute an additional $1,000. 8
10 Dental Benefits
11 2016 Non-Union Dental Employee Contributions Delta Dental of Missouri Dental Monthly Employee Contribution Employee (Ee) $10.55 Ee + Spouse/SSDP $22.15 Ee + Child(ren) $18.98 Family $
12 Non-Union Dental Benefits Delta Dental In-Network Deductible Waived for orthodontia and preventive treatment $50 Single $150 Family Out-of-Network $50 Single $150 Family Maximum Annual Benefit $1,750 Per Person $1,500 Per Person Coinsurance Preventive Services Includes exams, cleanings, fluoride treatments, x-rays for diagnosis, sealants Basic Includes fillings and extractions, periodontics, repairs to crowns or dentures, endodontics, oral surgery Major Includes crowns, inlays, dentures, dental implants Orthodontia (depts. to age 19) Maximum Lifetime Benefit Plan pays 100% Plan pays 80% Plan pays 50% Plan pays 50% $1,750 Per Person Plan pays 100% of reasonable and customary (R&C) Plan pays 80% of (R&C) after deductible Plan pays 50% of R&C after deductible Plan pays 50% of R&C $1,500 Per Person 11
13 VISION
14 2016 Non-Union Vision Employee Contributions VSP Vision Monthly Employee Contribution Employee (Ee) $4.89 Ee + Spouse/SSDP $9.77 Ee + Child(ren) $10.46 Family $
15 Vision Service Plan (VSP) The same Vision benefits will continue to be offered through VSP Benefit Description In-Network Out-of-Network Reimbursement WellVision Exam Every calendar year Focuses on your eyes and overall wellness $10 copay Up to $45 Frame Every other calendar year Lenses Every calendar year Lens Options Every calendar year Contacts Instead of glasses Every calendar year $150 allowance for a wide selection of frames + 20% off the amount over your balance Single vision, lined bifocal, and lined trifocal lenses Standard progressive lenses Premium progressive lenses Custom progressive lenses Average of 20-25% off other lenses options $150 allowance for contacts, copay does not apply; Contacts lens exam (fitting and evaluation) $25 copay Up to $70 $25 copay Standard Progressive: $55 Premium Progressive: $95 $105 Custom Progressive: $150 $175 Contacts Fitting and Evaluation is covered up to $60 Single: Up to $30 Lined Bifocal: Up to $50 Lined Trifocal: Up to $65 Up to $50 Up to $105 Discounts Available (In-Network Only): 20% off additional glasses and sunglasses, including lens options, from any VSP doctor within 12 months of your last WellVision Exam. Average of 15% off the regular price or 5% off the promotional price for laser vision correction at contracted facilities. 14
16 FLEXIBLE SPENDING ACCOUNT (FSA)
17 Non-Union Flexible Spending Account (FSA) UHC is our new Vendor for FSA. We will still have the grace period for Healthcare and Dependent care FSAs as we do in For Healthcare you will have from January 1, 2016 March 15, 2017 to incur claims. Reimbursements must be submitted by April 15, Dependent care reimbursements will be accepted until April 15, 2017 though expenses must be incurred by December 31,
18 Important Enrollment Notes Even if you are already enrolled in an FSA for 2015, you will need to re-enroll in the FSA for 2016 if you d like to continue coverage. If enrolling for the first time or re-enrolling, you will receive a welcome package in the mail from UHC with your Spending Account Card (debit card). Remember, cards are not available for Dependent Care FSAs. You are allowed to set aside a maximum of $2,550 for the Medical FSA & up to $5,000 for the Dependent Care FSA. Remember: If you are enrolled in the HDHP plan with an HSA account, you are only eligible to participate in the Limited FSA (LFSA) and/or Dependent Care FSA. 17
19 Voluntary Supplemental Coverage
20 Accident Care Coverage for accidents that occur outside of work Accident hospital care Follow-up care Common injuries; fractures, dislocations, burns, cuts Emergency care benefits Benefits are paid directly to you to use as you wish Coverage is portable; take it with you if you no longer work for Hussmann $50 annual wellness benefit payable for certain health screening tests (one time per year per covered individual) Example Accident: Injured wrist playing intramural sport over the weekend Urgent care visit $ 80 Stitches for small laceration $ 60 Fractured wrist (with surgery) $ 1,000 Follow-up doctor s office visit $ 80 Physical Therapy (5 visits) $ 250 TOTAL: $1,470 19
21 Critical Illness Pays a cash benefit directly to you for critical illnesses No medical questions; Guaranteed issue Employee: up to $20,000 Spouse: up to $10,000 Child(ren): up to $10,000 $50 annual wellness benefit payable for certain health screening tests ($25 per child, max 4 children) Benefit % $10,000 Coverage Option $20,000 Coverage Option Alzheimer's Disease 100% $10,000 $20,000 Amyotrophic Lateral Sclerosis (ALS) 100% $10,000 $20,000 Benign Brain Tumor 100% $10,000 $20,000 Blindness 100% $10,000 $20,000 Cancer 100% $10,000 $20,000 Coma 100% $10,000 $20,000 Deafness 100% $10,000 $20,000 End Stage Renal Failure 100% $10,000 $20,000 Heart Attack 100% $10,000 $20,000 Infectious Disease 100% $10,000 $20,000 Major Organ Failure 100% $10,000 $20,000 Multiple Sclerosis 100% $10,000 $20,000 Occupational HIV 100% $10,000 $20,000 Parkinson's Disease 100% $10,000 $20,000 Permanent Paralysis 100% $10,000 $20,000 Stroke 100% $10,000 $20,000 Carcinoma in Situ 25% $2,500 $5,000 Coronary Artery Bypass 25% $2,500 $5,000 Skin Cancer 10% $1,000 $2,000 20
22 401k Your Retirement
23 401(k) We are keeping the same matching formula as % of the first 4% you defer Discretionary Employer Match up to an ADDITIONAL 2%. Employees must contribute at least 6% on average for the full plan year of 2016 to receive up to the full 2% discretionary employer match Discretionary Match is based on Hussmann achieving annual performance objectives. Call Transamerica at or go online to Hussmann.trsRetire.com to check your enrollment and beneficiary information. 22
24 Next Steps
25 Elections Are Binding For The Plan Year Unless There Is A Life Status Change Marriage Birth/adoption Divorce Death Change in employment status Change in dependent status Benefits department must be notified within 31 days of life change 24
26 Final Words Enrollment season starts at 8am CST on November 2 through November 13 at 5pm CST. You will use Workday Self Service to enroll in all your benefits MyWorkday.com/Hussmann OneSource Virtual can assist you with enrolling and help to answer your benefit related questions. Reach them: By Phone: By hussmannbenefits@onesourcevirtual.com For additional OE documentation, please visit the Healthcare Benefits webpage on the Inside Hussmann or the web links via Workday Open Enrollment Review and update beneficiary information if necessary Question benefits@hussmann.com We will also be hosting live Q&A sessions 25
27 26
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