20082009 Benefits Open Enrollment

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2008/2009 Benefits Open Enrollment
Enrollment Dates February 25, 2008 to March 16,
2008 (midnight)
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Agenda

• Open Enrollment Details
• Communication Plan Benefit Sessions
• EPO Plan Annual Requirements
• 2007 Enhancements (look back)
• Benefit Plan Alignment and Enhancements
• Enrollment Trends
• Benefit Plan Costs
• 2008/2009 Premium Changes
• Preferred Premium Pricing for Non-Tobacco Users
• Annual Reminders
• Wellness Tobacco Challenge
• On-Line Enrollment Details
• Summary
• Q A

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Open Enrollment Details

• Open Enrollment Period
• February 25th to March 16th (midnight)
• Benefits Enrollment Hotline [phone] (7am-5 pm,
  M-F)
• Elections made during the Open Enrollment will be
  effective April 1, 2008!
• On-Line Open Enrollment Process!
• All benefits eligible employees must enroll even
  if you elect not to participate or you have no
  changes to your current election!
• Benefits eligible Part Level II Level III and
  Full-time
• If an employee does not enroll during Open
  Enrollment and currently has group health plan
  coverage they will be defaulted to the following
  plans
• Catastrophic Medical and Incentive Dental

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Open Enrollment Details (cont)

• What can I do during an Open Enrollment?
• Add Self and Eligible Dependents
• Switch Health, Dental and/or Vision Plans
• Drop Dependents
• Waive Coverage
• NOTE
• 18 month pre-existing condition clause if
  enrolling into health plan during the open
  enrollment
• Offset by certification of credible coverage from
  other plan
• Educational sessions offered to staff to assist
  with the on-line process. Sessions vary based on
  need of individual. Please see schedule.

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Communication Plan Benefit Sessions

• Communication Plan
• Highlights Booklet sent to employee homes mid
  Feb
• Posters department throughout the hospital
• Flyer attached to paychecks
• Table Tents
• Inside St. Lukes, Weekly, St. Lukes website
• Everyone e-mailsetc
• Benefit Sessions (see schedule)
• Presentation Demo Assistance Enrolling
• Presentation Demo (Enroll on your own)
• Computer Lab Time Designated for Open Enrollment
• Voluntary Vendor Fairs All Day

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EPO Plan Annual Requirements

• Annual Requirements
• Personal Wellness Profile (PWP) complete online
  from home or work, link provided at Inside St.
  Lukes (http//www.stlukesonline.org/pwp/)
• Health Screening schedule appointments through
  St. Lukes Learning Center
• Both requirements must be completed by June 30,
  2008!
• In 2007, 19 of employees were identified with
  possible impaired glucose metabolism (FBG gt 100)
  3 with FBG gt 120 were triaged by an RN
  resulting in 4 new cases of type 2 diabetes
• 2007 Results
• 87 met both requirements (2741)
• 13 did not meet one or both requirements (430)
• 312 appeals of those who appealed all but 15
  were approved
• Those who did not meet requirements and did not
  receive approval via the Appeals Committee will
  have an option to elect from the Catastrophic
  Plan or Choice Plan

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2007 Enhancements (look back)

• Added 25 Facility Fee Discount 396,516
  (annualized)
• Health benefit coverage effective date change to
  1st of the month following hire or transfer date!
• Added Colonoscopy Screenings 91,022
  (annualized)
• Adult Hearing Tests
• HPV Vaccine
• Enhanced coverage chiropractic services,
  hospice care, mental health substance abuse,
  dental plan year maximum, preventive care
  services.
• NO increase in EPO or CHOICE PLAN premiums in
  2007!

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2008/2009 Plan Alignment Items

• Annual Open Enrollment will be offered every year
  going forward
• PTO Grant Program Magic Valley to implement
  program in 2008
• Basic Life AD D Insurance 100 employer
  paid benefit. Coverage aligned across the St.
  Lukes Health System. Move to new vendor ING
• Short Term Disability (STD) New name for the
  SLHS will be Extended Sick Leave or ESL.
• Magic Valley to pick up 8 hour annual bonus if at
  520 hr max.
• Magic Valley to adopt three tier accrual rate
  based on yrs of service
• SL (Boise/MMC/WR/MSTI) to sunset the 25 payout
  for staff hired after 4/1/08. Staff who were
  hired prior to 4/1/08 who terminate with 10 years
  svc will receive the 25 payout of their STD
  balance.
• Vision Plan will be unbundled from Dental giving
  staff more flexibility in electing coverage. New
  Options
• Incentive Dental
• Dental/Orthodontics
• Vision

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2008/2009 Plan Enhancements

• NEW Bariatric Coverage Applies to major
  medical (deductibles co-insurance apply),
  lifetime maximum of 10,000 (including
  complications). Note Must meet plan defined
  requirements
• NEW Pre-Diabetic Screening/Education 50
  coverage after deductible has been met with a
  maximum of 2 sessions covered
• NEW Limit on High Cost Drugs 100 member
  co-pay for drugs costing 1,000 or more for a 30
  day supply.
• NEW Topical Fluoride Therapy Treatment
  following periodontal surgery
• NEW Sealants No age limit on sealants (once a
  3 year period per posterior teeth)

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2008/2009 Plan Enhancements cont

• NEW Voluntary Benefit Long-Term Care offered by
  Med America
• Subject to full Underwriting
• Customizable plan along with three tiered plan
  options
• Portable, you may take it with you should you
  leave St. Lukes
• Cash Plan for maximum flexibility this cash
  plan may be accessed for expenses related to
  homecare, assisted living as well as long term
  care facility fees should the insured be eligible
  to receive benefits.
• Benefit may be purchased for yourself, your
  spouse or your loved ones
• Did you know.that more than 50 of the U.S.
  population will require some type of Long-term
  Care during their life time and that Long-term
  care is not covered by Medicare or private
  insurance. Medicaid is an option, but only if an
  individual reaches poverty level, having spent
  down all personal assets.

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2008/2009 Plan Enhancements cont

• Flexible Spending Account (FSA) Maximum for
  Medical Spending Account increased from 3,500 to
  5,000
• Note Total of Medical and Continual
  Reimbursement may not exceed the new 5,000
  maximum
• Adoption Reimbursement Benefit extended to
  adoption of step children, grandchildren and
  other related children previously excluded
• MSTI Fruitland Staff will now have the option to
  elect the EPO Plan along with previously offered
  Choice and Catastrophic Plans
• Vision Plan Benefit for exam increased to 60,
  bifocal and trifocal lenses increased as well

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Enrollment Trends (Boise/MMC/WR/MSTI)
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Benefit Plan Costs (Boise/MMC/WR/MSTI)
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2008/2009 Premiums

• Premium Changes Premiums will increase on
  average by 6
• Note Premium increases influenced by plan
  enhancements, utilization, inflation and overall
  increase in benefit costs. Also increase may
  vary from plan to plan, average 6 overall
• Preferred Premium Pricing for non-tobacco users
  vs. Non-Preferred Pricing for Tobacco
  Users.
• Effective April 1,2008, tobacco and non-tobacco
  users will have separate sets of medical
  premiums. As announced last year, we will be
  providing a preferred pricing to our non-tobacco
  users. This new provision has been put in place
  to support our mission of Improving the health
  of people in our region and our tobacco free
  campus initiative.
• Along with this change, tobacco cessation
  prescriptions drugs will now be covered under the
  pharmacy benefit.

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Premiums vs. Annual Merit Increase

• Illustrates the average merit increase based on 2
  different annual salaries compared to the 6
  average increase on premiums for the new plan
  year
• Avg merit of 3.75 on 40,000 salary 1500
  annual increase
• Avg merit of 3.75 on 20,000 salary 750
  annual increase
• EPO FT employee average increase of 6 from
  2007/2008 premiums
• Single - 0.75 x 26 PP 19.50
• Self Child - 1.25 x 26 PP 32.50
• Self Spouse - 5.15 x 26 PP 133.90
• Family - 7.20 x 26 PP 187.20

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Annual Reminders

• The following benefits must be re-elected every
  year
• Flexible Spending Account elections (Medical and
  Dependent)
• PTO and Night PTO Sellback
• Air St. Lukes Membership
• Wellness Tobacco Challenge
• Voluntary Benefits may be elected, changed or
  cancelled

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Wellness Tobacco Challenge

• Wellness Challenge
• New in 2008
• Semi-annual program 4/1/08- 9/30/08 10/1/08-
  3/31/09
• Success meeting 5 of 6 health-related criteria
• Simplified webpage and data entry anywhere,
  anytime!
• Physical activity incentive T-shirt for
  achievement
• Separate bonus check (125- 175) and individual
  recognition!
• Tobacco Challenge
• Stop all tobacco products by mid-year 4/1/08-
  9/30/08
• Up to 125 reimbursement for nicotine
  replacement products
• Demonstrate abstinence for remainder of year
  10/1/08- 3/31/09
• Earn 125 bonus award
• Enrollment Period April 1- 30 (new employees 30
  days from orientation)

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On-Line Enrollment

• Benefits of On-Line Enrollment Process
• Ability to enroll on-line any where, any time you
  have Intranet or Internet access!
• Ability to change your elections multiple times
  during the Open Enrollment period!
• Immediate confirmation of elections, no lost
  forms!
• 9 Easy Steps to Enrollment
• 1) Review Current Benefits
• 2) Update Dependents
• Enroll in Benefits
• Update Beneficiary Information
• Review Your Pending Elections (Print Confirmation
  Sheet)
• Complete Required Forms
• Update Emergency Contact Information
• Verify Your Address
• LOG OUT!
• Sessions available to help individuals who may
  need assistance or simply need a PC to enroll.
  Please remember the benefits schedule!
• View Demo Video

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Summary

• Remember Open Enrollment Period 2/25/08
  3/16/08 (midnight)
• Benefits Enrollment Hotline [phone] (7am-5 pm,
  M-F)
• All benefits eligible employees must enroll even
  if you elect not to participate or you have no
  changes to your current election!
• Benefits eligible Part Level II Level III and
  Full-time
• Remember to complete your EPO Requirements ASAP!
  Deadline is June 30, 2008!
• Remember to re-enroll in PTO Sellback, Flex
  Spending, Air St. Lukes and the Wellness
  Challenge
• Remember to look at all Voluntary Benefits
  including the Long Term Care Insurance

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• Questions?