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Benefits

2013 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

It is important that you review this information closely as  you make your health care choices for 2013.

As a benefit-eligible employee, you have the opportunity to evaluate your health insurance needs during the open enrollment period and make changes in your health plan coverage for the following plan year. This year, due to multiple changes in the plans and contribution levels, it is especially critical that you re-evaluate what medical and dental option will be best for you and your family.

2013 Open Enrollment will be October 30, 2012, through November 13, 2012.

  At this time you may: 

  • Enroll in medical insurance coverage.
  • Enroll in dental coverage. (Dental is a separate option this year).
  • Change your current medical or dental insurance coverage.
  • Add or drop dependents to your medical or dental insurance coverage.
  • 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 the Lumenos CDHP/HSA health option) and make an election for 2013. 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 optional vision plan.
  • Enroll in or drop the voluntary short-term disability plan.

In 2013, the University will offer three Anthem medical plans: Blue Access Buy-Up Plan; Blue Access Core Plan; and the Consumer-Driven High Deductible Health Plan (CDHP) with a Health Savings Account (HSA) called Lumenos CDHP/HSA. Each of these options includes prescription drug coverage through the medical provider. See the Insurance Comparison Overview which compares the benefits of the different medical plans and a new 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:

Tuesday, October 30, 2012
9:00 a.m. to 3:30 p.m.
University Center East 
Rooms UC2217 and UC2218

A benefit meeting for 2nd and 3rd shift employees is also scheduled for Thursday, November 1, at 10:00 p.m. in Human Resources – Training Room, FA 164.

If you are a current participant in one of the Anthem plans, you may change your coverage without providing evidence of insurability. If you previously waived coverage for yourself and/or your dependents, Anthem requires submission of a Certificate of Health Coverage to waive the pre-existing condition waiting period. Enrollment forms will be available at the Open Enrollment Fair on October 30, 2012, 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 2013 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 benefit staff of that change within 30 days of the change. Enrollment forms must be completed by November 13, 2012, to ensure coverage effective January 1, 2013.

Your current medical and dental insurance coverage will be continued unless you complete a form to change your coverage. However, if you are enrolled in the Welborn plan, you must complete an Anthem enrollment form since Welborn is ending all health coverage on December 31, 2012

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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HEALTH and DENTAL INSURANCE PLAN INFORMATION

ANTHEM BLUE ACCESS BUY-UP PLAN (Please notice that urgent care and emergency room copayments have changed)

  • 100% preventative care coverage
  • In-network deductible – $300 individual and $600 family
  • Non-network deductible – $600 individual and $1,200 family
  • In–network out-of-pocket maximum – $1,500 individual and $3,000 family
  • Non–network out-of-pocket maximum – $3,000 individual and $6,000 family
  • In-network co-insurance – 80%/20% and non-network co-insurance     60%/40%
  • Prescription-retail co-payments $10/24/40/70; mail order co-payments $20/48/80 (90 day supply)
  • Office visit copy is $20
  • Urgent care copay is $50
  • Emergency room copay is $100

ANTHEM BLUE ACCESS CORE PLAN (Please notice that the deductible, out-of pocket maximum, office visit, urgent care and emergency room copayments have changed)

  • 100% preventative care coverage
  • In-network deductible – $600 individual and $1,200 family
  • Non-network deductible $1,200 individual and $2,400 family
  • In-network out-of-pocket maximum – $3,000 individual and $6,000 family
  • Non-network out-of-pocket maximum – $6,000 individual and $12,000 family
  • In-network co-insurance – 80%/20% and non-network co-insurance –   60%/40%
  • Prescription retail co-payments $10/40/60/80; mail order co-payments $20/80/120 (90 day supply)
  • Office visit copay is $30
  • Urgent care copay is $75
  • Emergency room copay is $150

LUMENOS CONSUMER-DRIVEN HIGH DEDUCTIBLE HEALTH PLAN WITH HEALTH SAVINGS ACCOUNT (CDHP/HSA) - No Plan Design Changes for 2013

  • This plan offers 100% preventative care coverage and extra wellness benefits
  • Deductible – $1,500 for single coverage and $3,000 for any level of family coverage (employee plus child; employee-spouse or family) in-network and out-of-network combined for this non-embedded deductible
  • Out-of-pocket maximum – $3,000 for single coverage and $6,000 for any level of family coverage (employee plus child; employee-spouse, or family); $6,000 for single coverage and $12,000 for any level of family coverage out-of-network
  • Co-insurance – after deductible, 90%/10% co-insurance in-network or  70%/30% co-insurance non-network, until maximum out-of-pocket is reached
  • Prescription drugs – subject to deductible and co-insurance: in-network Rx retail and mail order co-insurance is 10% after deductible; non-network Rx retail & mail order co-insurance is 30% after deductible
  • Enhanced wellness incentives with rewards include: Health Risk Assessments, MyHealth Coach, Healthy Lifestyles, ComplexCare, and Comprehensive Medical Management
  • On-line consumer tools, including comparative prescription drug shopping
  • A Health Savings Account (HSA) that allows both employer and employee to make tax-free contributions for use toward qualified healthcare expenses in 2012 and beyond
  • University Contributions to your Health Savings Account (HSA) are as follows:
    • For single members, initial funding of $250 and a regular contribution of $450 paid over 12 months, for a total of $700 in annual funding in 2013
    • For all levels of family membership, initial funding of $450 and a regular contribution of $950 paid 12 months for a total of $1,400 in annual funding in 2013
    • Newly eligible participants entering after January 1 will receive initial funding plus pro-rated regular contributions for the period in the plan

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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   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

 

2013 Monthly Rates

 

Blue Access Buy-Up

 

Blue Access Core

 

Blue Access Lumenos CDHP/HSA

Employee

$208.14

$124.20

$90.66

EE + Child(ren)

$345.10

$206.12

$154.70

EE + Spouse

$458.04

$273.64

$207.54

Family

$570.48

$340.84

$260.14

        
  MONTHLY EMPLOYEE CONTRIBUTIONS
FOR ANTHEM MEDICAL:        
Salary below $38,000 ($3,166.67/mo, 19.49/hr.)

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

 

2013 Monthly Rates

 

Blue Access Buy-Up

 

Blue Access Core

 

Blue Access Lumenos CDHP/HSA

Employee

Same as for Salary $38,000 and Above

$105.58

$72.04

EE + Child(ren)

$175.20

$123.78

EE + Spouse

$232.60

$166.50

Family

$289.72

$209.02

                                   

 

For Retiree and COBRA Rates, contact Brandy Smith

 

 

OPTIONAL DENTAL COVERAGE

This coverage is no longer bundled with medical. Beginning in 2013, dental will be offered as a stand-alone plan. Preventative services are coverage at 100% and most basic services are covered at 50%. The monthly rates have decreased to the following:

Employee

$4.78

Employee + Child(ren)

$11.70

Employee + Spouse

$9.92

Family

$17.10

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OPTIONAL VISION COVERAGE

 

This is a stand-alone vision plan that is separate from your medical coverage. There are no changes to the plan design, and the rates did not increase for 2013. While the plan allows participant choice of facility/provider in or outside the network, and retail and private practices are both included, there are maximum limitations on reimbursement. The maximum benefit is received by going to a network facility/provider to ensure contracted discounts. You do not have to participate in the University medical insurance plan to enroll in the optional vision plan. The monthly rates are as follows:

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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FLEXIBLE BENEFIT SPENDING ACCOUNTS

Flexible Benefit Spending Accounts allow you to set aside pre-tax dollars to pay for certain un-reimbursed medical and dental expenses, and dependent care expenses. The spending account limit for the un-reimbursed medical and dental expense reimbursement plan decreases in 2013 to $2,500 per year as a requirement of the Affordable Care Act. The dependent care plan remains at the federal maximum allowance of $5,000 per year. Summary plan descriptions are available in the Human Resources Department.

Examples of reimbursable medical expenses include eyeglasses, contact lenses, co-payments for doctor’s visits, deductibles, and other costs (health, dental, or vision) not covered by co-insurance. In January of 2011, the IRS ruled that over-the-counter (OTC) drugs are no longer an allowable expense. Some OTC items can be claimed like vitamins and certain medication if you obtain a prescription from your doctor stating these are medically necessary. However, a few non-medical OTC items that remain reimbursable are contact lens solution, bandages, and other first aid items. Please keep this in mind when determining the annual election for 2013. Examples of reimbursable medical expenses include eyeglasses, contact lenses, co-payments for doctor’s visits, deductibles, and other costs (health, dental, or vision) not covered by co-insurance.

Employees may use 2012 funds remaining in their medical flexible spending accounts at the calendar year end for expenses through March 15, 2013. Any remaining 2012 balances not exhausted by March 15, 2013 will be forfeited. Additionally, employees may use 2013 funds remaining in their flexible spending accounts at the calendar year end for purchases through March 15, 2014. The grace period/carry-over of account balances will only apply to un-reimbursed medical and dental expenses. The dependent care flexible spending account must be exhausted within the particular calendar year for which those expenses were elected.

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 tax-free funds into your Health Savings Account.

CURRENT FLEXIBLE SPENDING ACCOUNT PARTICIPANTS

Employees currently enrolled in flexible benefit spending accounts need to complete a new Flexible Benefit Plan Election Salary Reduction Form, even if allocation amounts remain unchanged for calendar year 2013. These enrollment forms should be completed and returned to the Human Resources Department, FA166, by November 13, 2012.

Benefit elections for current participants in the Flexible Benefit Premium Only Plan for pre-tax premium contributions will continue, unless you choose to change your election.

NEW FLEXIBLE SPENDING ACCOUNT ENROLLEES

Employees interested in establishing a Flexible Benefit Spending Account for 2013 will need to complete various forms in the Flexible Spending Account Information Packet and a Flexible Benefit Plan Election Salary Reduction Form. Enrollment forms should be completed and returned to the Human Resources Department, Wright Administration Building, FA166, by November 13, 2012.

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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.  If you did not enroll in this benefit upon initial eligibility,  you will be considered a late enrollee who will not receive benefits for the first 60 days of a claim during the first 12 months of coverage. You do not need to complete an Evidence of Insurability (EOI) form for this benefit.

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VOLUNTARY SUPPLEMENTAL TERM LIFE INSURANCE

Voluntary 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.

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HUMAN RESOURCES BENEFITS CONTACTS

Employees should contact the benefit representatives in the Human Resources Department with any questions concerning the 2013 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
Brandyn Smith 464-1988 brsmith@usi.edu


PLEASE REMEMBER THAT ALL OPEN ENROLLMENT FORMS MUST BE COMPLETED AND RECEIVED IN HUMAN RESOURCES NO LATER THAN NOVEMBER 13, 2012, TO BE EFFECTIVE JANUARY 1, 2013.

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Open Enrollment Forms and Documents

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My USI Access

Open Enrollment Dates

Open Enrollment Fair

Tuesday, October 30, 2012

9:00 a.m. – 3:30 p.m.

University Center East

Rooms UC2217 - UC2218

Presentations for Employees

Presentations for Retirees

 

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 the Indianapolis office at 877-267-4507 and choose option #2. 

  • Tuesday, Feb 21
  • Thursday, Feb 23
  • Wednesday, Mar 14
  • Tuesday, April 10
  • Thursday, April 12
  • Wednesday, May 9
  • Tuesday, June 19
  • Thursday, June 21
  • Wednesday, July 18
  • Tuesday, Aug 14
  • Thursday, Aug 16
  • Wednesday, Sept 12
  • Tuesday, Oct 16
  • Thursday, Oct 18
  • Wednesday, Nov 14
  • Tuesday, Dec 4
  • Thursday, Dec 6