2015 Employee Benefits November 17 & 18, 2014 Slide 2 Open
Enrollment Elections made during open enrollment will become
effective on January 1, 2015. East Central College offers you and
your eligible family members a comprehensive and valuable benefits
program. We encourage you to take the time to educate yourself
about your options and choose the best coverage for you and your
family. All enrollment forms must be submitted to the Human
Resource Office by December 5, 2014. 2 Slide 3 Who is Eligible?
Full-time employees who work a minimum 30 hours per week are
eligible for Medical, Dental, Vision, Voluntary Life, and
Disability. Spouses, Same-Sex Spouses of employees who were married
in a jurisdiction that recognizes same-sex marriage and Dependent
Children of eligible full-time employees may enroll in Medical,
Dental, Vision and Voluntary Life. 3 Slide 4 How to Make Changes
Unless you have a qualified event, you cannot make changes to the
benefits you elect until the next open enrollment period. Qualified
events include: Marriage Divorce Legal separation Birth or adoption
of a child Change in childs dependent status Death of spouse,
child, or other qualifying dependent Change in spouses benefits or
employment status 4 Slide 5 Dental, Life, AD&D 5 Coverage Type
Employee Monthly Cost Dental2015 Employee Only$0.00 Employee &
Spouse$30.80 Employee & Child(ren)$67.72 Family$101.38 Guardian
Dental, Life Insurance, AD&D No Plan Changes No Rate Changes
Slide 6 Vision 6 Coverage Type Employee Monthly Cost VSP2015
Employee Only$0.00 Employee & Spouse$3.64 Employee &
Child(ren)$3.84 Family$9.88 Vision Service Plan (VSP) renewal
change plan design - 3% 4-year rate lock Increase material
copayment from $25 to $30 Slide 7 Flexible Spending Account (FSA)
Plan Annual Maximum Contribution Medical $2,550* Dependent$5,000 7
* Annual Maximum Increased $50 Return completed election forms to
Human Resources by December 5, 2014. Slide 8 IRS HSA Contribution
Limits 2015 Contribution Limit Individual Coverage$3,350 Family
Coverage $6,650 Catch up (Age55 to 65) $1,000 8 Slide 9 Medical
Plan and Network Options PlansNetworks Base Blue Access Choice
(BAC) BJC Network Blue Preferred Select (BPS) Non-BJC Network HSA 9
Slide 10 BJC Providers 10 BJC Network (Blue Access Choice BAC)
Barnes-Jewish Hospital Barnes-Jewish St. Peters Hospital
Barnes-Jewish West Hospital Boone Hospital Center Christian
Hospital Missouri Baptist Medical Center Missouri Baptist Sullivan
Hospital * Northwest Healthcare Progress West Hospital St. Louis
Childrens Hospital The Rehabilitation Institute of St. Louis
Washington University Physicians * Missouri Baptist Sullivan
Hospital is also in the Non-BJC Network Slide 11 Non-BJC Providers
11 Non BJC Network (Blue Preferred Select - BPS) Mercy Hospital -
Washington Mercy Hospital St. Louis Missouri Baptist Sullivan
Hospital St. Louis University Hospital (SLU) St. Lukes Hospital St.
Joseph Health Center St. Joseph Hospital West Cardinal Glennon
Hospital SSM St. Clare Health Center This is not a comprehensive
list. Access www.Anthem.com for a complete provider
directory.www.Anthem.com Slide 12 Prescription Drug Plans 12
Prescription Drug Base PlanHSA Plan* Retail: Tier 1 $15Deductible
then $15 Tier 2 $40Deductible then $40 Tier 3 $75Deductible then
$75 Mail Order: Tier 1 $30Deductible then $30 Tier 2 $80Deductible
then $80 Tier 3 $150Deductible then $150 * Once the$5,000 ($2,600 +
$2,400 HRA) individual deductible is met, copayments will apply for
up to $1,450, then Rx benefits are paid at 100%. Slide 13 Medical
Plan Calendar Year In-Network Deductible 13 Base PlanEmployeeHRA
Individual$2,500$1,000$1,500 Family$5,000$2,000$3,000 HSA
PlanEmployeeHRA Individual$5,000$2,600$2,400
Family$10,000$5,200$4,800 Employees are responsible for their share
of the deductible first, then the HRA will fund the remaining
deductible. Slide 14 What is an Health Reimbursement Arrangement?
(HRA) A fund that is used towards your In-Network Deductible. Is
used for qualified out-of-pocket medical expenses for yourself,
spouse and dependent(s). Helps reduce your out-of-pocket maximum
expenses. Is excluded from your gross income; in other words, the
reimbursements are tax-free. Slide 15 What Is An Explanation of
Benefits (EOB)? An Explanation of Benefits (EOB) explains how your
medical claims are processed. You will receive an EOB from Anthem
or you may access a copy online. An EOB is not a billing statement.
15 Slide 16 The Claim Process Go to an In-Network Provider for
medical services Provider submits the claim to Anthem Anthem
processes the claim Anthem then sends to Rite Choice for HRA
Processing Anthem creates an EOB* and sends to member * EOB
Explanation of Benefits If the up-front deductible has not been
met. Member responsible for amount due Rite Choice applies charges
to the deductible If the up-front deductible has been met. Rite
Choice reimburses the Provider Rite Choice creates an EOB* and
sends to member Review EOB*; compare with bill to see member
responsibility 16 Slide 17 HRA Time Table Medical Claim Receive
your Explanation of Benefits (EOB) from Anthem. 5-7 Working days
later you should receive the EOB from Right Choice showing what the
HRA paid. Prescriptions Pay for the prescription at the pharmacy.
You will receive your EOB from Anthem. 2-3 weeks later you should
receive the EOB from Right Choice showing what the HRA paid. HRA
Summary You will receive an EOB summary from Right Choice once a
month showing any activity for all family members covered. If you
had no reimbursement from the HRA you will not receive the HRA EOB.
17 Slide 18 Questions 18 Nancy & Jodie 636-239-7781
