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Benefits

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2016 Open Enrollment

Benefits Bash (Meetings) - Knowledge, Food and Prizes

Open Enrollment Information

Benefit Presentations and Handouts

Medical Insurance Plan Information

Dental Insurance Plan Information

Vision Insurance Plan Information

Flexible Spending Accounts

Voluntary Short Term Disability (STD) Insurance

Supplemental (Additional) Term Life Insurance

Human Resources Benefits Contacts

2016 Insurance Rates

Plan Information

Benefit Forms

Disclaimer

 

During the Open Enrollment period as a benefit eligible employee, you have the opportunity to evaluate your insurance needs and make changes in your benefit coverage for the following plan year.

The 2016 Open Enrollment period will be October 27th, 2015, through November 11th, 2015.

During this period you may:

  • Enroll in, drop or change coverage in the medical, dental or vision insurance plans,including adding or dropping dependents.
  • Change your current medical insurance plan.
  • Enroll in the flexible benefit plan. Note: You must enroll in this plan annually.
  • Enroll in a health savings account (as long as you elect a CDHP/HSA health option) and make an election for 2016. Note: You must resubmit the HSA Election Form annually.
  • Enroll in, drop or change coverage in the voluntary supplemental life insurance program.
  • Enroll in, drop or change coverage in the voluntary short-term disability plan.

For 2016, the University must change its medical offerings significantly. Due to requirements of the Affordable Care Act and related regulatory interpretations from the IRS, we have determined that

  • We will no longer offer the BuyUp Blue Access PPO Plan to active employees.  
  • We can offer only one, not two, Lumenos Consumer-Driven High Deductible Health Plans with Health Savings Accounts (CDHP/HSA).

Since those with the BuyUp PPO Plan and the CDHP#1 in 2015 are most affected by the changes, we are offering specific presentations to assist you in evaluating the changes to your medical benefits.

In 2016, the University will offer two Anthem medical plans (each with prescription drug coverage) for active employees:

  • Blue Access Core PPO Plan
  • A new Consumer-Driven High Deductible Health Plan (CDHP) with a Health Savings Account (HSA) called Lumenos CDHP/HSA. (This plan is most similar to CDHP#2.)

The 2016 Medical Comparison Overview provides highlights of the plans. A more detailed Summary of Benefits and Coverage (SBC) for each medical plan will be provided when USI receives them from Anthem. Because the SBC is required of every medical plan by the Affordable Care Act, those of you comparing spousal coverage options will be able to compare information from both plans in this common format.

It is very important that you take time to review the enclosed information closely as you make your health care choices for 2016. 

Open Enrollment Benefits Bash

Tuesday, October 27, 2015
University East Rooms 2217-2218
9:00 a.m. - 3:30 p.m.
Presentation Schedule

 

USI’s annual Open Enrollment will kick-off with the Benefits Bash. This event is open to all full-time, benefit eligible employees. We are hosting 10 vendors. Each vendor will have an individual booth to share information and answer questions – and some with goodies.

What’s in it for me?
Knowledge…..find out what benefits you have and/or need. Learn of the changes for 2016.

Assistance….completing forms with one-on-one assistance, answers to questions, and explanations of benefits.

Food…..cookies, Halloween candy and cold water bottles. Prizes….a chance to win a door prize!
Door prize examples: USI basketball game tickets (20 prs), $25 gas gift card, (4) $25 Fresh Market gift cards, $25 Target gift card, gift baskets, etc.
  • Anthem (medical, Rx)
  • HRI (dental)
  • Nyhart (flexible benefit plans)
  • TIAA-CREF (retirement savings)
  • PERF (retirement savings)
  • Anthem Blue View Vision  (vision)
  • The Standard (life insurance, short-term and long-term disability)
  • Deaconess CONCERN Employee Assistance Program (EAP) with Work-Life resources

A benefits meeting for 2nd and 3rd shift employees is also scheduled for Tuesday, November 3, at 5:00 a.m. and 3:00 p.m. in Human Resources – Training Room, FA 164.


The Open Enrollment period will be your only opportunity to elect or change your medical, dental, vision, or related Section 125 Flexible Benefit Plan coverage elections and/or enroll or drop dependents or your own coverage on these plans for the 2016 calendar year. You may only make changes outside of the open enrollment period if you have a qualified family status change and notify the Human Resources Benefits staff of that change within 30 days of the event. Benefit enrollment forms must be completed and submitted to the Human Resources Department no later than November 11, 2015, to ensure coverage effective January 1, 2016.

Your current dental and vision insurance coverage will be continued unless you complete a form to change your coverage. For your medical, we will make an assumption based on your current plan of what most employees will choose (see below) so that you only need to complete forms if your choice is different from these default assumptions.

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MEDICAL INSURANCE PLAN CHANGES FOR 2016

ANTHEM BLUE ACCESS CORE PPO PLAN

  • Employee contributions decrease by 1.6%. Click here for 2016 Active Employee Rates for specific rates.
  • There are no plan design changes to the Core PPO Plan for 2016.

LUMENOS CONSUMER-DRIVEN HIGH DEDUCTIBLE HEALTH PLAN #1 WITH HEALTH SAVINGS ACCOUNT (CDHP/HSA)

  • This plan is eliminated effective 1/1/16.
  • We will assume that all employees currently enrolled in this plan will move into the new CDHP/HSA plan for 2016, unless you complete a change form to move to the Core PPO plan or to waive medical coverage.

LUMENOS CONSUMER-DRIVEN HIGH DEDUCTIBLE HEALTH PLAN WITH HEALTH SAVINGS ACCOUNT (CDHP/HSA) (Former CDHP#2 becomes the new CDHP/HSA plan.)

  • Employee contributions change as a result of restructuring this plan. Refer to 2016 Active Employee Rates for specific rates.
  • Deductibles increased from $2,500 single and $5,000 family to $2,600 single and $5,200 family (in-network and non-network combined).
  • Deductibles and out-of-pocket (OOP) maximums change from non-embedded to embedded. Since embedded deductibles and OOPs apply per person, they may be beneficial to employees with any level of family coverage (employee-spouse, employee-child or family) depending on actual covered medical costs incurred.
  • Out-of-pocket maximums (OOP) – In-network lowered from $6,000 single and $12,000 family to $5,000 single and $10,000 family; non-network lowered from $12,000 single and $24,000 family to $10,000 single and $20,000 family.
  • University contributions to your Health Savings Account (HSA) remain the same:
    • For single members, initial funding of $282 and a regular contribution of $468 paid over 12 months, for a total of $750 in annual funding in 2016.
    • For all levels of family membership, initial funding of $525 and a regular contribution of $975 paid over 12 months for a total of $1,500 in annual funding in 2016.
  • We will assume that all employees currently enrolled in the CDHP/HSA#2 plan will move into this new CDHP/HSA plan for 2016, unless you complete a change form to move to the Core PPO plan or to waive medical coverage.

ANTHEM BLUE ACCESS BUY-UP PPO PLAN

  • We will assume that all employees currently enrolled in the BuyUp PPO plan will move into the Core PPO plan for 2016, unless you complete a change form to move to the new CDHP/HSA plan or to waive medical coverage.

Due to different Affordable Care Act rules related to retiree coverage, this BuyUp Plan will remain in place for retirees already enrolled and is available for those current active participants who have already finalized their retirement with signed official documents to retire on or before January 1, 2017.

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WELLNESS INITIATIVES FOR ALL ANTHEM PLANS

Wellness initiatives will continue with the Anthem Blue Access Plans as steps toward controlling claims expense. These programs include:

  • 24/7 NurseLine: Access to a 24/7 NurseLine in which experienced registered nurses answer general health questions and provide guidance with critical health issues;
  • Future Moms: Support from trained obstetrical nurses to provide maternity management to help expectant parents have a healthy pregnancy and delivery;
  • ConditionCare: Assistance from registered nurses for members to better manage and improve chronic health conditions;
  • MyHealthAdvantage: Utilizesintegrated information systems and data analytics to enhance early detection of potential health issues for participants. MyHealthAdvantage provides members and their doctors with information about evidence-based standards that can facilitate better health care choices.

DENTAL INSURANCE PLAN CHANGES FOR 2016

There are no changes to the dental plan design or premiums for 2016.

VISION INSURANCE PLAN CHANGES FOR 2016

There are no changes to the dental plan design or premiums for 2016.

FLEXIBLE BENEFIT SPENDING ACCOUNTS

Flexible Benefit Spending Accounts allow you to set aside pre tax dollars to pay for certain un-reimbursed health expenses and dependent care expenses. The spending account limits remain the same in 2016: $2,550 per year for the health and $5,000 per year for the dependent care plan. Temporary status employees are not eligible to participate in the Flexible Spending Account.

Please note that if you enroll in the Lumenos CDHP/HSA you are NOT eligible to participate in the Medical Flexible Spending Account. Instead, you may defer pre-tax funds into your Health Savings Account. You may participate in the Dependent Care Flexible Spending Account regardless of your medical plan election.

VOLUNTARY SHORT-TERM DISABILITY (STD) INSURANCE

Short Term Disability insurance helps provide a partial income replacement for temporarily disabled benefit-eligible employees. Effective January 1, 2016, this benefit will be provided through The Standard Insurance Company. This benefit is a supplement to the University’s sick pay benefit that will be of special interest to those (like short-service faculty and staff) with limited sick banks. Please note that if you did not enroll in this benefit upon initial eligibility, and have not been declined coverage by a carrier, you have a one-time opportunity during this Open Enrollment period to come onto the plan effective January 1, 2016, with no medical questions asked and no late enrollment penalty. After January 1, 2016, new hires are eligible to enroll within 30 days of hire; those who do not enroll when first eligible will be considered a late enrollee subject to a 60-day Late Enrollment Penalty period. Rates are determined by age and salary as of January 1, 2016, and we have secured a 5% decrease in premiums effective January 1, 2016. Current enrollees will be automatically continued in the plan (unless you notify us you wish to drop the plan).

 SUPPLEMENTAL (ADDITIONAL) TERM LIFE INSURANCE

Supplemental or Additional Term Life Insurance offers you the option to purchase extra term life insurance at group rates on a payroll deduction basis for yourself, your spouse, and/or dependent children. You may be eligible to purchase up to $500,000 or eight times annual earnings, whichever is less, for yourself and up to half that amount for your spouse. There are four levels of coverage for dependent children. Effective January 1, 2016, this life insurance program is offered through The Standard Insurance Company. The Standard’s rates, depending on applicable age brackets, are lower by 22% to 42% than our previous life rates. Please note that this insurance plan is strictly voluntary and is offered as a supplement to the University-provided life insurance. We have been able to secure an increased level of guarantee issue spouse coverage (from $20,000 to $50,000). If you did not enroll your spouse in this benefit upon initial eligibility or currently cover your spouse for less than the $50,000, and have not been declined coverage by a carrier, you have a one-time opportunity during this Open Enrollment period to increase your spouse’s coverage up to the $50,000 effective January 1, 2016, with no medical questions asked. Click here for rates.

With the change to The Standard for our life insurance, the University-provided basic life insurance volume will remain at 1 ½ times base or appointment salary – but the cap that limits coverage will increase from the current $75,000 to $100,000, also effective January 1, 2016.

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HUMAN RESOURCES BENEFITS CONTACTS

Employees should contact the benefit representatives in the Human Resources Department with any questions concerning the 2016 Open Enrollment. The Human Resources Department is in the Wright Administration Building, Room FA166.

Amy Miller                     812-464-1781         ajmiller3@usi.edu
Connie Schnarre           812-461-5466         csschnarre@usi.edu
Nancy Lumley               812-464-1988         nlumley@usi.edu

PLEASE REMEMBER THAT ALL OPEN ENROLLMENT FORMS MUST BE COMPLETED AND RECEIVED IN HUMAN RESOURCES NO LATER THAN NOVEMBER 11, 2015, TO BE EFFECTIVE JANUARY 1, 2016.

2016 RATES

2016 Active Employee Rates
2016 Additional Term Life Rates
2016 Short Term Disability (STD) Biweekly Rates
2016 Short Term Disability (STD) Monthly Rates

PLAN INFORMATION

2016 Medical Comparison Overview
Presentation Schedule  
Summary of Benefits and Coverage (SBC) - Anthem Buy-Up (coming soon)
Summary of Benefits and Coverage (SBC) - Anthem Core (coming soon)
Summary of Benefits and Coverage (SBC) - Anthem Lumenos CDHP (coming soon)
Medical: Anthem Brochure
Medical: Anthem Provider Search
HRI Dental Pamphlet
Vision: Summary of Benefits
Supplemental Life Insurance Booklet (coming soon)
Flexible Spending Account Information Packet - Nyhart
HSA: FAQs
HSA: Opening a Health Savings Account
HSA: Investments
HSA: Decision Guide
HSA: Healthy Investing
My HSA
Retirement: PERF at a Glance
Retirement: TIAA CREF How to Enroll
 

BENEFIT FORMS

Medical Enrollment Application - Anthem
Medical Employee Change Form - Anthem
Dental Enrollment Application - HRI
Vision Enrollment Form - Anthem Blue View
Flexible Benefit Plan Election Salary Reduction Form - Nyhart 
Additional Life and Short-term Disability (STD) Enrollment Form
Life Beneficiary Form
Health Savings Account (HSA) Election Form
Retirement: TIAA CREF Voluntary Salary Deferral Form

BENEFIT PRESENTATIONS AND HANDOUTS

BuyUp Participant Choices 2016 Presentation
BuyUp to Core PPO Comparison Handout
CDHP 1 Participant Choices 2016 Presentation
CDHP 1 to new CDHP Comparison Handout
CDHP 1 to new CDHP OOP Comparison Handout 2
CDHP 2 changes in 2016 Handout
Considering the New CDHP Presentation

DISCLAIMER

IMPORTANT NOTE: This website is to help you thoughtfully prepare for Open Enrollment. Although every effort has been made to ensure the information on this website is accurate, in the case of any discrepancy between this website and the University handbook, Summary Plan Description (SPD), or other official plan document, insurance contract or law, the official plan documents and applicable laws and contracts will govern. Of course, nothing on this website constitutes an offer of or guarantee of employment or benefits; and, as with all benefits, these benefits and programs may be amended. All benefits described on this website are effective only if you are and remain covered in accordance with applicable plan provisions.

 

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Open Enrollment Dates

TIAA-CREF Representative

Lori Matthews of TIAA-CREF will hold individual appointments in the HR Training Room on the below dates. To schedule an appointment, contact 800/732-8353. 

2015-2016 Dates

  • Dec 9
  • Dec 10
  • Jan 13 & 14
  • Feb 23
  • Mar 23 & 24
  • April 19
  • May 25 & 26
  • June 21
  • Jul 20 & 21
  • Aug 23
  • Sept 21 & 22
  • Oct 18
  • Nov 16 & 17
  • Dec 6