Open Enrollment for Employee Benefits 1/1/2014 through 12/31/2014
Today s Meeting Our Benefits Package What s Changing Open Enrollment & Qualifying Events Medical Plan Evacuation Coverage Dental Plan International Employee Assistance Other Benefits Taking Action 2
Our Benefits Package BASIC SECURITY AURA Paid Life Insurance Accidental Death & Dismemberment Insurance Short Term Disability Long-Term Disability Medical Evacuation Coverage Employee Assistance Program 401(a) Contributions OPTIONAL PROTECTION Shared Cost Medical Plan * Dental* Vision Flexible Spending Accounts Voluntary Life Insurance Voluntary Dependent Life Insurance Voluntary Accidental Death & Dismemberment Insurance Voluntary Dependent Accidental Death & Dismemberment Insurance 403 (b) and 457(b) Contributions * AURA pays 100% of the cost for Employee Only Coverage on the medical and dental plans 3
What s Changing Medical Plan Contributions Updates to CIGNA Envoy website Flexible Spending Account New website, e-mail address and claim form Allow up to $500 in leftover funds can be rolled over into your appropriate account in 2015 4
Open Enrollment November 18 December 13, 2013 Your Opportunity to: Add or drop dependents from coverage Change a benefit option or coverage category Participate in a Flexible Spending Account Changes are effective January 1, 2014 thru December 31, 2014 Only other time you can make changes is at a qualifying event 5
Qualifying Events All Qualified Events must be reported to Human Resources within 30 days from time of event, to make a change (add or drop) Marriage, divorce, or legal separation Birth, adoption or placement for adoption of child Death of a spouse or child Change of eligibility Change in Spouse s employment 6
Information Sources Informed Healthcare Consumer Open Enrollment Materials Benefits Guide Your Benefits Election Form Summary of Benefits AURA HR Intranet Site - http://hr.auraastronomy.org/?q=2014openenrollment Log-In for Open Enrollment materials, summaries of benefits, etc. CIGNA International Log-In to www.cignaenvoy.com Check claims submission and history, ID card, provider directory, etc. UltiPro look up your current benefits 7
To View Your Current Benefits Go to: https://n13.ultipro.com Enter: username & password Hover over the Myself icon to see your personal information. Choose Current Benefits from the list.
CIGNA Global Health Benefit Dedication For over 35 years, exclusively focused on health care needs of employees on international assignments More than 500 employees worldwide Global Presence Cigna Global Health Benefits has operations in more than 30 countries. Responsive Service International Service Centers in Wilmington, Delaware; Visalia, California; and Greenock, Scotland 9
Support. Care. Information. And so much more. Access 24/7/365 via toll free telephone, fax, email and/or online www.cignaenvoy.com Multilingual services available 24/7/365 Arrangement of GOPs outside the US International claims processing experts Reimbursements available in 135 currencies 95% of claims paid in 10 days (metric is 92%) 65% of International Claims paid direct to Providers 10
Medical Plan Design Plan Feature Benefits Lifetime Maximum Benefit Calendar Year Deductible Out-of-Pocket Maximum (excluding deductible) Doctor Office Visits Maternity Expenses Specialist Office Visits Inpatient Hospital Benefits Prescription Drugs (outside US or Out of Network US) Prescription Drugs purchased In Network US Autism Spectrum Disorder Cancer Screenings Delaware Mandated Children s Immunizations Developmental Screenings (9,18,30 months) Travel Immunizations Unlimited $100 Individual / $200 Family $500 Individual / $1,000 Family 90% of covered expenses after deductible 90% of covered expenses not subject to deductible 90% of covered expenses after deductible 100% of covered expenses not subject to the deductible 11
Medical Plan Design Plan Feature Serious Mental Illness Inpatient Outpatient Substance Abuse Inpatient Outpatient Well Child Care up to Age 18 Adult Preventive Care Vision Care Benefits 90% of covered expenses after deductible 90% of covered expenses after deductible 90% of covered expenses after deductible 90% of covered expenses after deductible 100% of covered expenses not subject to deductible. The following services are included: health history, physical examination, development assessments, anticipatory guidance, appropriate immunizations, and laboratory tests 100% of covered expenses not subject to deductible including immunizations in connection with the overall health and well being for members 18 years old and over. 100% of covered expenses not subject to the deductible for 1 exam each year and frames/lenses. Combined $250 calendar year maximum. 12
How Can I Obtain Medications? Prescriptions drugs may be obtained at any participating US pharmacy. You must present your permanent (plastic) Cigna Global Health Benefits (CGHB) identification card at the time of purchase. Medication without a prescription from a physician will be at the member s expense. CGHB allows prescriptions to be filled up to 12 months at one time and can be filled prior to assignment. It is important to let the pharmacy in the US know this and that they can call Customer Service for verification. Remind the pharmacy to call CGHB not Cigna Domestic s phone number Internationally, you may have to pay up front, then be reimbursed by filling out a claim form. 13
Evacuation Coverage Plan Feature Emergency Evacuation Family Travel Arrangements Return of Dependent Children Repatriation of Mortal Remains Return of Traveling Companion War Risk Benefits 100% of covered expenses not subject to the deductible for services approved by International SOS Economy round-trip airfare to the place of hospitalization for one family member for hospitalizations in excess of 7 days One-way economy airfare to return dependent children to their country of residence 100% of covered expenses not subject to the deductible In the event of hospitalization or evacuation and a traveling companion s air ticket is no longer usable, one-way economy airfare will be provided to the original point of departure. Not covered 14
Dental Plan Design Plan Feature Calendar Year Maximum (I,II,III) $2,000 Deductible Class I - Preventive Services cleaning and x-rays exams twice per calendar year Class II - Basic Services fillings simple extractions root canal therapy oral surgery Class III - Major Services bridgework and crowns installation bridgework and crowns maintenance dentures Class IV - Orthodontia Services (limited to dependent children under age 19) Benefits $25 Individual / $50 Family 100%, not subject to the deductible 80%, after deductible 50%, after deductible 50%, after deductible $1,500 Lifetime Maximum 15
International Employee Assistance Direct dial 24/7 immediate access to confidential services for behavioral issues Services include telephonic triage for emergent and urgent referrals, crises intervention and referrals to community resources Referrals for 5 Face-to-Face sessions with licensed behavioral professionals (currently available in 160 countries) Call CGHB s Contact Center to be warm transferred 16
CIGNA Envoy Our refreshed, innovative website offers: Global doctor and hospital directories Access to ID Cards Translation tools Online claim submissions Online Explanation of Benefits Mail delivery opt-out options Online expert second medical opinion service Country Guides Cigna International offers Country Guides that provide important health, cultural, and travel information on approximately 205 countries and jurisdictions. 17
Where do I go? Landing Page Easy to choose which site they need New Promotional Images 18
The NEW Homepage Available in English & Simplified Chinese A new and improved navigation Important message Center New rotating box used to promote new features, services or products The 4 top requests as quick icons. Check Claims Status View my Plans Find a Healthcare Professional View or Print my ID Card Print ID Cards Video capabilities Self Service help center Footer quick access to the entire site of Envoy 19
20 How to Register Step 1: Go to www.cignaenvoy.com Step 2: From the green I am box, select I have not registered yet.
CGHB ID Card Remember to keep your Cigna ID card with you at all times, so you can have easy access to quality health care around the world. Front Reminder: ID cards for you and each dependent will be sent to your pouch mail address Back 21
Pre-Assignment Assistance Go to www.cignaenvoy.com At the Top left Corner in the Choose your Website drop down box Elect Pre-departure Go Username: 02016NOAO Password: KTy3zO (password is case sensitive) Take 5 to 10 minute survey After completing the survey, review the Country Guides online You will receive a report about your conditions and have access to personal health care advisor If you already have your CGHB ID number you can access the questionnaire from the Health & Wellness tab of Envoy.com after you log in as an existing member. Please make sure to let us know the best time and how to reach you 22
Improved Provider Directory on Envoy.com Phase I: Phase II: Major improvement to website: user friendly design, intelligence behind search function, ability to customize and PDF results, positive feedback Includes ability to build client specific networks, addition of Google maps, addition of Gama providers 23
Guarantee of Payment What is a guarantee of payment? Allows doctors that may not participate in our network to verify eligibility and confirm benefits before the customer receives care. What does a guarantee of payment include? Scheduled service, date of service to be performed, level of benefits, cost of service, deductible, coinsurance, and more. Why is a guarantee of payment important? Using a guarantee of payment increases access to care around the world Reduces out-of-pocket expenses for your employees Minimizes or eliminates employee issues with getting the care they need and paying for it Enables the hospital to bill us directly 24
Claim Submission Options Online All registered users of our website, CignaEnvoy.com, are able to submit and view previously claims through our the website using an easy to follow process Email Send scanned copies of claims via the internet to our website Fax Fax your claim to us at no cost using AT&T Direct access codes Mail/Courier Mail Delivery CIGNA Global Health Benefits Customer Service Center P.O. Box 15050 Courier Delivery CIGNA Global Health Benefits Eligibility 300 Bellevue Parkway Wilmington, Delaware Wilmington, Delaware 19809 19850-5050 USA 25
Tips To Speed Claim Processing Be sure to fill out the claim form completely Provide a diagnosis or explanation of treatment on the claim form State how and where you want the reimbursement issued Email or fax your form instead of mailing it Save copies of your bills, receipts and claim forms 26
CIGNA Contact Numbers Always refer to your policy number 02016A and your 9 digit CGHB ID number Toll-Free Phone: 1.800.441.2668 (U.S. & Canada) International Calls: ATT Access Code* + 800.441.2668 Direct Phone: 1.302.797.3100 (Collect Calls Accepted) Toll-Free Fax: 1.800.243.6998 International Fax: ATT Access Code* + 800.243.6998 Direct Fax: 1.302.797.3150 (inside the U.S.) Visit the AT&T website for a listing of AT&T USADirect Access codes at www.usa.att.com/traveler/tools/wallet.jsp 27
Why Prevention? 88% of health care costs are spent on doctor visits, emergency room visits and hospital stays; not preventive care 80% of medical expenses are incurred by 15% of the employee population effected by chronic health conditions (heart disease, diabetes, stroke) 75% of these costs are preventable through lifestyle changes and medication Source: Center for Disease Control 28
Voluntary Vision UHC Specialty Benefits No Changes Benefits or Rates Out-of-network benefits Exam reimbursed up to $40 Lenses - reimbursed up to $40 - $80 Frames reimbursed up to $45 Contacts Elective reimbursed up to $105 Medically Necessary reimbursed up to $210 Benefits available Every 12 months for exams and lenses Every 24 months for frames 29
Flexible Spending Accounts Effective January 1, 2014 moving to the HealthSmart Benefits Solutions system Same Phone Number (800) 866-4731 New website www.healthsmart.com E-mail for requests and information Ask.flexaz@healthsmart.com New claims forms 30
Health Care FSA Why FSA? Pay no taxes on your out of pocket medical, prescription, dental, vision, and some over the counter medication expenses Healthcare FSA Eligible Expenses include: Medical - office visits, hospitalizations, prescriptions, etc. Dental - office visits, exams, cleanings, x-rays, orthodontia, etc. Vision - prescription glasses, contacts and solutions, reader glasses, etc. Over-the-counter supplies and medications with a prescription Select the amount you believe you will spend during the plan year IRS requires a use it or lose it rule Amended to allow up to $500 in leftover funds to be rolled over into your appropriate account in 2015 Limit $2,500 31
Health Care FSA OTC Medications Over-the-counter (OTC) medications and drugs are not eligible for reimbursement under Health Care FSA or HSA plan unless prescribed by a doctor Any claims submitted for reimbursement that include OTC medications or drugs must be accompanied by a copy of the prescription including patient s name and meets the requirements of a prescription in the state where issued Prescriptions would be valid for one year from the date written Bandages, test kits, and supplies do not require a prescription Vision supplies such as contact solutions do not require a prescription 32
Life and AD&D 100% Employer Paid 1 X Salary to $250,000 Age Reductions: To 65% at age 75 To 50% at age 80 Terms at Retirement Travel Assistance (888) 226-4567 Will Preparation www.cignawillcenter.com 33
Employee Voluntary Life $10,000 increments to $500,000 Not to exceed 7 X Salary Guarantee Issue of $100,000 Spouse $10,000 increments to $150,000 Guarantee issue of $30,000 under age 70 Child/Children $10,000 (covers all your children 6 months up to age 26 and financially dependent) If you are currently enrolled for less than the Guarantee Issue Amount, you can increase your coverage one level without Evidence of Insurability 34
Voluntary AD&D All Amount are Guarantee Issue Employee $10,000 increments to $500,000 Spouse $10,000 increments to $250,000 Identity Theft Program Support 24/7 www.cigna.com/idtheft This election is separate from the election for Voluntary Life 35
Short Term Disability 100% Employer Paid Benefits begin after 13 days of disability Sick leave integration 50% of sick leave at the time of disability must be exhausted before benefits begin (NOAO-South ONLY) 60% of weekly salary Maximum weekly benefit of $1,385 Benefits may continue for up to 24 weeks 36
Long Term Disability 100% Employer Paid 60% of monthly base pay Maximum monthly benefit of $6,000 Benefits begin after 180 days of disability Benefits can continue to your Social Security Normal Retirement Age (SSNRA) Cost of Living Adjustment (COLA) 3% Retirement Savings Contributions 10% 37
Life Assistance Plan (LAP) Free benefit for you and your family Counseling up to three face to face visits per issue per year. Examples include: Work Related Stress Relationship or Marital Issues Parent/Child Conflicts Depression, Anxiety, Grief issues Work Life Programs Legal Consultation (30 minutes free) Financial Information Elder Care and Child Care Available 24/7/365 (800) 538-3543 www.cignabehavioral.com/cig Login: lap Password: member 38
Taking Action Make decisions Read your Open Enrollment Materials and other information Evaluate your own risk tolerance Make a decision and complete your enrollment paperwork if: You are making changes You want to enroll/re-enroll to participate in the Flexible Spending Accounts Return your completed enrollment form to Human Resources no later than December 13th 39
Questions