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Benefits

2014 Open Enrollment

Open Enrollment

Health and Dental Insurance Plan Information

Employee Contributions for Medical Plans

Optional Dental Coverage

Optional Vision Coverage

Flexible Spending Accounts

Voluntary Short Term Disabiltiy (STD) Insurance

Voluntary Supplemental Term Life Insurance

Human Resources Benefits Contacts

Open Enrolllment Forms and Documents

Open Enrollment

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 2014 Open Enrollment will be November 8th, 2013, through November 21st, 2013. 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 2014. Note: You must resubmit the HSA Election Form annually.
  • Enroll in, drop or change coverage in the voluntary supplemental life insurance program, subject to Evidence of Insurability (EOI) if you are a late enrollee.
  • Enroll in, drop or change coverage in the voluntary short-term disability plan,subject to Evidence of Insurability (EOI) if you are a late enrollee.


In 2014, the University will offer four Anthem medical plans (each includes Rx coverage):

  • Blue Access Buy-Up PPO Plan: Effective with the 1/1/2014 enrollment, this plan is no longer available for new enrollees; however, it remains available to everyone currently enrolled in this plan.
  • Blue Access Core PPO Plan
  • Consumer-Driven High Deductible Health Plan (CDHP) with a Health Savings Account (HSA) called Lumenos CDHP #1/HSA
  • New for 2014 Consumer-Driven High Deductible Health Plan (CDHP) with a Health Savings Account (HSA) called Lumenos CDHP #2/HSA
  • Below is a 2014 Medical Comparison Overview which compares highlights of the plans as well as a more detailed Summary of Benefits and Coverage (SBC) for each medical plan. 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 new, common format.

OPEN ENROLLMENT INFORMATION

As always, the Open Enrollment Fair will have representatives from Anthem Insurance Companies, Inc. (medical/Rx), Health Resources, Inc. (dental), The Nyhart Company (flexible benefit plans), The Standard Insurance (short-term disability), Deaconess CONCERN Employee Assistance Program (EAP) with new Work-Life resources, TIAA CREF (retirement savings), PERF (retirement savings), and Prudential (Supplemental Life Insurance) who will be available to discuss benefit options and decisions with you. The fair will be held on:

Friday, November, 2013
9:00 a.m. to 3:30 p.m.
University Center West 
Carter Hall A, B, and C

A benefit meeting for 2nd and 3rd shift employees is also scheduled for Tuesday, November 12, at 10:00 p.m. in Human Resources – Training Room, FA 164.

Enrollment forms will be available at the Open Enrollment Fair on November 8, 2013, online, or may be obtained from the Human Resources Department in the Wright Administration Building, Room FA 166.

Open Enrollment 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 2014 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. Enrollment forms must be completed and submitted to the Human Resources Department no later than November 21, 2013, to ensure coverage effective January 1, 2014.

Your current medical and dental insurance coverage will be continued unless you complete a form to change your coverage.

IMPORTANT NOTE: Benefits under the USI benefit plan(s) are provided pursuant to insurance contracts between USI and the insurance companies. If the terms of this webpage conflict with the terms of the insurance contract, the terms of the insurance contract will control, unless superseded by applicable law.

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MEDICAL INSURANCE PLAN INFORMATION

ANTHEM BLUE ACCESS BUY-UP PPO PLAN (Only available to employees currently enrolled in this plan)

  • Employee contributions increase by 7.3%. Refer to 2014 Active Employee Rates for specific rates.
  • Out-of-pocket maximums – In-network from $1,500 single and $3,000 family to $2,000 single and $4,000 family; non–network from $3,000 single and $6,000 family to $4,000 single and $8,000 family
  • Prescription drug co-payments remain the same in 2014. However, the co-payments are now tied to a four-tier structure called Tier 1, 2, 3 and 4. A few prescription drugs may change tiers and therefore have a different copayment in 2014 because of being in a different tier.
  • Effective 1/1/2014, PPO plans move to a new Anthem computer/product platform 7.0. USI has customized its plan features to avoid most major changes due to this platform conversion. However, a few changes remain which may affect some participants, such as the end of a 4th quarter carryover feature and the treatment of claims at alternate care facilities.
  • This plan is now closed to new enrollees effective 1/1/14

ANTHEM BLUE ACCESS CORE PPO PLAN

  • Employee contributions increase by 3.4%. Refer to 2014 Active Employee Rates for specific rates.
  • Out-of-pocket maximums – In-network from $3,000 single and $6,000 family to $4,000 single and $8,000 family; non-network from $6,000 single and $12,000 family to $8,000 single and $16,000 family
  • Prescription drug co-payments remain the same in 2014. However, the co-payments are now tied to a four-tier structure called Tier 1, 2, 3 and 4. A few prescription drugs may change tiers and therefore have a different copayment in 2014 because of being in a different tier.
  • Effective 1/1/2014, PPO plans move to a new Anthem computer/product platform 7.0. USI has customized its plan features to avoid most major changes due to this platform conversion. However, a few changes remain which may affect some participants, such as the end of a 4th quarter carryover feature and the treatment of claims at alternate care facilities.

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

  • Employee contributions remain almost the same, with all increases or decreases of less than $2. Refer to 2014 Active Employee Rates for specific rates.
  • Out-of-pocket maximums – In-network from $3,000 single and $6,000 family to $4,000 single and $8,000 family; non-network from $6,000 single and $12,000 family to $8,000 single and $16,000 family
  • University contributions to your Health Savings Account (HSA) are as follows:
    • For single members, initial funding of $210 and a regular contribution of $390 paid over 12 months, for a total of $600 in annual funding in 2014 (from a 2013 total University contribution of $700 annually)
    • For all levels of family membership, initial funding of $420 and a regular contribution of $780 paid over 12 months for a total of $1,200 in annual funding in 2014 (from a 2013 total University contribution of $1,400 annually)
  • Effective 1/1/2014, PPO plans move to a new Anthem computer/product platform 7.0. USI has customized its plan features to avoid most major changes due to this platform conversion.

NEW LUMENOS CONSUMER-DRIVEN HIGH DEDUCTIBLE HEALTH PLAN #2 WITH HEALTH SAVINGS ACCOUNT (CDHP/HSA)

This higher deductible CDHP/HSA plan--$2,500 single/$5,000 family with 80% coinsurance in- network—offers the most affordable plan option with an annual HSA contribution of $750 single/$1500 family. Refer to 2014 Active Employee Rates for specific rates.

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 provide information concerning general health questions and 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: Utilizes integrated information systems and data analytics to enhance early detection of potential health issues for participants. MyHealth Advantage provides members and their doctors with information about evidence-based standards that can facilitate better health care choices.

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DENTAL INSURANCE PLAN CHANGES FOR 2014

There are no changes to the dental plan design, and the rates remain the same for 2014.

VISION INSURANCE PLAN CHANGES FOR 2014

There are no changes to the vision plan design, and the rates remain the same for 2014.

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 2014: $2,500 per year for the health and $5,000 per year for the dependent care plan. Recent IRS modifications to Flex Account rules will be reviewed by the University for possible implementation for the 2014 plan year; no changes are being made for the 2014 plan year.

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.

VOLUNTARY SHORT-TERM DISABILITY (STD) INSURANCE

Short Term Disability insurance helps provide a partial income replacement for temporarily disabled benefit eligible employees. 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, you will be considered a late enrollee who will be required to complete an Evidence of Insurability (EOI) form with enrollment subject to approval for this benefit. We have a new insurer (Sun Life) for short-term disability but rates remain the same and current enrollees will be automatically continued in the plan with the new insurer (unless you notify us you wish to drop the plan).

VOLUNTARY SUPPLEMENTAL TERM LIFE INSURANCE

Supplemental Term Life Insurance offers you the option to purchase additional 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. The life insurance program is offered through Prudential Life Insurance Company. Please note that this insurance plan is strictly voluntary and is offered as a supplement to the University-provided life insurance. An Evidence of Insurability (EOI) form must be completed when applying at any other time than upon hire.

2014 MEDICAL / DENTAL / VISION RATES

Monthly Employee Contributions for Anthem Medical

Salary $38,000 ($3,166.67/mo, 19.49/hr.) and above

Click on the Individual Health Plan Links below for Bi-weekly Rates

 

2014 Monthly Rates

 Blue Access PPO Buy-Up

 Blue Access PPO Core

 Blue Access Lumenos CDHP/HSA #1  

Blue Access Lumenos CDHP/HSA #2  

Employee

223.40 128.46 90.64 63.54

EE + Child(ren)

370.40 213.18 154.78 105.90

EE + Spouse

491.62 283.00 207.68 140.82

Family

612.30 352.50 260.36 175.58

Monthly Employee Contributions for Anthem Medical

Salary $38,000 ($3,166.67/mo, 19.49/hr.) and above

Click on the Individual Health Plan Links below for Bi-weekly Rates  

 

2014 Monthly Rates

 Blue Access Buy-Up

 Blue Access Core

 Blue Access Lumenos CDHP/HSA #1

Blue Access Lumenos CDHP/HSA #2

Employee

Same as for Salary $38,000 and Above 109.20 71.38 47.66

EE + Child(ren)

181.20 122.80 79.42

EE + Spouse

240.56 165.24 105.62

Family

299.64 207.50 131.70
                                   

 

For Retiree and COBRA Rates, contact a Benefit Representative

 

 

OPTIONAL DENTAL COVERAGE

Employee

$4.78

Employee + Child(ren)

$11.70

Employee + Spouse

$9.92

Family

$17.10

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OPTIONAL VISION COVERAGE

 

Click Here for Bi-weekly Rates

Employee

                 $7.40

Employee + Child(ren)

      $14.08

Employee + Spouse

    $12.96

Family

    $21.50

You can access the vision provider network at www.anthem.com by selecting Find a Doctor; then View National Vision Provider Directory; and then selecting the plan Blue View Vision.

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HUMAN RESOURCES BENEFITS CONTACTS

Employees should contact the benefit representatives in the Human Resources Department with any questions concerning the 2014 Open Enrollment. The Human Resources Department is in the Wright Administration Building, Room FA166.

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


PLEASE REMEMBER THAT ALL OPEN ENROLLMENT FORMS MUST BE COMPLETED AND RECEIVED IN HUMAN RESOURCES NO LATER THAN NOVEMBER 21, 2013, TO BE EFFECTIVE JANUARY 1, 2014.

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Open Enrollment Forms and Documents

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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. 

2014 Dates

  • Wednesday, Jan 22
  • Tuesday, Feb 18
  • Thursday, Feb 20
  • Wednesday, Mar 19
  • Tuesday, Apr 15
  • Thursday, Apr 17
  • Wednesday, May 14
  • Tuesday, June 17
  • Thursday, June 19
  • Wednesday, July 23
  • Tuesday, Aug 19
  • Thursday, Aug 21
  • Wednesday, Sep 24
  • Tuesday, Oct 21
  • Thursday, Oct 23
  • Wednesday, Nov 19
  • Tuesday, Dec 9
  • Thursday, Dec 11