Open Enrollment Orientation

1
Open Enrollment Orientation
2
Agenda

• What is Changing (ALL EMPLOYEES MUST ENROLL THIS
  YEAR!!!)
• Employee Contributions
• Open Enrollment Procedures
• Online
• Meetings

3
Why We are Making Changes

• Looked at Improving Administration of Plans
• Wanted to offer unbundled plans to add choices
• Wanted to offer employee self-service which would
  allow employees to access information on their
  benefits year round
• Listened to concerns of faculty/staff
• Wanted to explore removing referrals on HMO plans
• Wanted to look at option to enhance vision and
  dental benefits

4
What is Changing

• Unbundling
• All employees can elect benefits separately
• Medical Plan
• No referrals on the HMO plans
• HMO network change to UHC Choice
• Same network as PPO
• Large national network
• Employees with family in other states can now
  choose the HMO plan
• No other changes
• Vision
• Name changed to UHC Vision
• Can get frames every 12 months
• Dental
• Elimination of the DHMO
• Elimination of Standard PPO
• Option added for EPO (Exclusive Provider Network)
• Plans provide cleanings twice a calendar year
  instead of every six months
• Online Enrollment
• Active

5
United HealthCare Options

• UHC Choice (Bronze)
• UHC Choice (Silver)
• UHC Choice Plus (Gold)

6
UHC Choice (Bronze) In-Network Benefits Only

• NO REFERRALS
• NETWORK CHANGES TO CHOICE
• No annual deductible or coinsurance
• 30 PCP / 40 Specialist office visit copay
• 20 coinsurance for inpatient hospitalization
• No charge for
• lab and radiology services
• durable medical equipment
• maternity care office visits (after initial
  visit)
• inpatient services at other health care
  facilities, skilled nursing, rehabilitation and
  sub-acute facilities
• 15 Generic / 35 Brand Formulary / 60 Non-Brand
  Formulary

7
UHC Choice (Silver) In-Network Benefits Only

• NO REFERRALS
• NETWORK CHANGES TO CHOICE
• No annual deductible or coinsurance
• 10 PCP office visit copay
• 20 Specialist office visit copay
• No charge for
• inpatient or outpatient hospital services
• lab and radiology services
• durable medical equipment
• maternity care office visits (after initial
  visit) and delivery
• inpatient services at other health care
  facilities, skilled nursing, rehabilitation and
  sub-acute facilities
• 7 Generic / 25 Brand Formulary / 45 Non-Brand
  Formulary

8
UHC Choice Plus (Gold) Only Plan with
Out-of-Network Benefits

• In-Network
• No deductible or coinsurance
• 15 PCP office visit copay
• 30 Specialist office copay
• 200 copay per inpatient admission
• 100 copay for outpatient hospital services
• 15 copay for short-term rehabilitative therapy
• 7 Generic / 25 Brand Formulary / 45 Non-Brand
  Formulary

• Out-of-Network
• Deductible
• 250 individual / 500 family
• You pay 30 after deductible for
• Office and specialist visits
• Inpatient and outpatient hospital services
• Lab and radiology services
• Short term rehabilitative therapy

9
UHC Vision

• Plan Name Change
• No longer Spectera
• Same providers and plan
• 10 copay for office visit/exam
• Eye exam every 12 months
• Lenses every 12 months
• Frames every 12 months
• Contacts every 12 months (in lieu of
  lenses/frames)
• Out of network benefits still available

10
Delta Dental

• Unbundled
• No longer offered with medical
• EPO and PPO choice
• EPO- Exclusive Provider Network Brand New Plan!
• In-network coverage only
• PPO- Preferred Provider Network
• Added Premier Network

11
Delta Dental EPO In-Network Only

• Deductible/ Maximums
• 75 single / 225 family/ Waived on preventative
• 1,000 calendar year maximum
• 1,000 orthodontic lifetime maximum
• Preventative Coverage
• Covered at 100 no deductible
• Basic Coverage
• 50 after deductible
• Endodontics service included
• Major Coverage
• 40 after deductible
• Periodontics included
• Orthodontics
• 40 up to 1,000 lifetime maximum

12
Delta Dental PPO

• Deductible/ Maximums
• 50 single / 150 family/ Waived on preventative
• 1,500 calendar year maximum
• 1,500 orthodontic lifetime maximum
• Preventative Coverage
• Covered at 100 no deductible
• Basic Coverage
• 80 after deductible
• Endodontic and Periodontic service included
• Major Coverage
• 50 after deductible
• Orthodontics
• 50 up to 1,500 lifetime maximum

13
Delta Dental PPO

• Same as Buy-Up PPO
• Addition of Premier network
• Access to two networks of different size and
  different savings
• PPO network- smaller but bigger savings
• Premier network- larger but less savings
• 80 of dentists in Premier network

Delta Dental PPO109,000 Dentist Locations
Nationwide (40)
Delta Dental Premier 186,000 Dentist Locations
Nationwide (78)
The Delta Dental "Safety Net"
All Dentists Nationwide 239,000 Dentist Locations
Nationwide
14
Delta Dental PPO
Note These are hypothetical numbers for
illustrative purposes only. Assume no maximum or
deductibles are applicable. Incentives can be
added to the Delta Dental PPO plan to encourage
enrollees to choose PPO network dentists to save
themselves and their organization more in health
care costs.
Note These are hypothetical numbers for
illustrative purposes only. Assume no maximum or
deductibles are applicable.
15
Delta Dental

• How do you find a dentist
• EPO
• Uses the PPO network
• PPO
• Can use the PPO or Premier network
• Website
• www.deltadentalins.com

16
CareBridge EAP

• Employee Assistance Services
• Offer 5 face to face visits per issue
• Unlimited telephonic assistance
• Life Management WorkLife Assistance
• Child care resourcing
• Eldercare resourcing
• Parenting information
• Educational guidance
• Relocation assistance
• Legal assistance
• Retirement planning
• And more.
• Website with unlimited information

17
Life and Disability

• Remain with CIGNA with same coverage
• Improved age reduction schedule on Life and ADD
• New schedule
• 65 at age 70
• 50 at age 75
• Benefits due not reduce until age 70 (previously
  reduced at age 65)
• LTD
• Same level of coverage

18
Employee Contributions
19
Employee Contributions
20
Change in Timing of Contributions

• Beginning January 1, 2009, employee contributions
  will correspond to the current month.
• For example, medical deductions will be taken
  from the January paycheck(s) for premiums for the
  month of January. Currently, employees pay a
  month in advance.
• As a result, on a one-time-only basis, medical,
  dental and vision deductions will not be taken
  out from any December 2008 paycheck.

21
Open Enrollment ALL EMPLOYEES MUST RE-ENROLL
THIS YEAR!

• November 3- November 16
• Benefit fair
• November 3rd 10-4pm in Great Room A
• Location Student Center
• Representatives from UHC, Delta Dental, and
  CareBridge will be available to answer questions
• Raffle items for those in attendance
• Giveaways from each carrier
• Free Eye Exams from My Eye Doctor
• Free Seated Massages
• Free Chiropractic Screenings
• Flu Shots available _at_ 26 per person

22
Open Enrollment All Employees Must Enroll This
Year!!!

• Online
• Everyone must enroll online-Even if you do not
  want medical, dental or vision insurance!
• Need to update contact information and emergency
  contact information
• Able to chose benefits independently for
  example, employee medical and family dental
• Even if you do not want medical, dental and
  vision, you must enroll for life and disability
  insurance (100 paid by CUA)
• If you do not enroll, you will not be set up for
  benefits for 2009

23
Open Enrollment ALL EMPLOYEES MUST ENROLL!!!

• Meetings
• Meetings held everyday for the two week open
  enrollment with computers at two locations
• Location Leahy Hall Conference Room and Pryz
  Room 342
• Hours
• Nov 3 and Nov 10
• 1215 / 115 / 215 / 315 / 415 / 515
  (Spanish translator available at the Pryz these
  two days..)
• Nov 4th through Nov 14 (except the 10th)
• 1015 / 1215 / 215 / 415