Benefits Open Enrollment November 1-30, 2012. Presentation Overview UPlan Benefit Changes for 2013...
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Benefits Open Enrollment November 1-30, 2012
Benefits Open Enrollment November 1-30, 2012. Presentation Overview UPlan Benefit Changes for 2013 Open Enrollment Basics Open Enrollment Assistance Common
Presentation Overview UPlan Benefit Changes for 2013 Open
Enrollment Basics Open Enrollment Assistance Common Questions
Slide 3
UPlan Benefit Changes for 2013
Slide 4
Generic Plus contraceptives Formulary and non-formulary
contraceptivesone copay for 90 day supply Certain preventative
prescription medications Breast cancer Fluoride supplements Tobacco
cessation Certain over-the-counter medications with a prescription
81mg aspirins Folic acid supplements Tobacco cessation medications
Iron Vitamin D supplements No Copays on Select Medications in
2013
Slide 5
Lactation counseling and supplies, such as breast pumps
Counseling HIV Sexually transmitted diseases Domestic violence
Personal violence No Copays on Select Medical Services in 2013
Slide 6
Reduced Costs of Emergency Services Out-of-network Emergency
Services now covered at the higher in-network benefits Emergency
ambulance Emergency room visits Emergency hospital admissions
Urgent care
Slide 7
New Offering: Consult A Doctor 24/7 24/7 phone or online advice
from physicians for medical non- emergencies Copay is $10 To
register: Call a Medica care coordinator at 1-855-993-7633, or
Visit www.medica.com/consultadoctor and click on Activate
Accountwww.medica.com/consultadoctor
Slide 8
What will UPlan Members pay for Medical and Dental Coverage in
2013? Standard employee contributions for medical coverage will
increase by 5.3% lower than many other medical plan increases in
the market. Qualified Wellness Points Bank participants will pay
less than they did in 2012. No change to dental rates.
Slide 9
Help for Lower-Paid Employees to Pay Medical Coverage Premiums
Medical premium relief program extended through June 2013. Credit
based on plan selected and household income. Credits range from
$100-$225 Pro-rated credit appears in each paycheck through June
2013. Current participants do not need to re-apply if coverage
status is the same. New applications are being accepted through the
December 17, 2012 deadline.
Slide 10
2013 Wellness Points Bank Enhancements Longer program year
(October 1, 2012August 31, 2013) Increased points values for some
activities Fit Choices now worth 75 points Bike Commuter program
now worth 75 points Medical Condition Management now worth 200
points New Wellness My Way option
Slide 11
2013 Flexible Spending Account Changes Maximum reduced from
$5,000 to $2,500 per employee for health care accounts ADP Benefit
Solutions is new FSA administrator. FSA debit card used to pay
doctor and pharmacy copays Daily claims processing Participants
will need to register bank account information with ADP for direct
deposit. Real-time, online account information
http://storyportfolio.com/ADP/FSASolutions/employees /
Slide 12
2013 Short-Term Disability Coverage Employees can increase
their existing amount of coverage up to $200 per month, without
providing evidence of good health, but cannot exceed the monthly
maximum. For more information about short-term disability coverage
visit www.umn.edu/ohr/benefits/disability/shortterm
www.umn.edu/ohr/benefits/disability/shortterm
Slide 13
Open Enrollment Basics
Slide 14
When and How to Enroll Open enrollment is November 1-30, 2012.
You can make changes to your benefits selections online at
http://hrss.umn.edu.http://hrss.umn.edu If you or your dependent
are age 45 or older, you will need to provide your Social Security
Number.
Slide 15
During Open Enrollment You Can: Add or cancel Medical or Dental
coverage Select a different Medical or Dental plan Change your
designated dependents Choose to participate in the Health Care or
Dependent Daycare Flexible Spending Accounts
Slide 16
During Open Enrollment You Can: Increase your amount of
Short-term Disability coverage up to $200 per month. Select or
change the benefit amount of your voluntary Long-term Disability
Coverage (Civil Service and Labor Represented employees only).
Slide 17
No need to go online and make any changes, unless you want to:
Set up a FSA account for 2013. Change your Medical or Dental Plan
or dependent coverage. To change your clinic election only, just
call Medica: 952-992-1814 or 1-877-252-5558. Increase your
Short-term Disability coverage. Add or increase your Long-term
Disability coverage.
Benefits Fairs Duluth: Nov. 1 Kirby Student Center Ballroom, 10
a.m. to 2:30 p.m. St. Paul: Nov 7 St. Paul Student Center North
Star Ballroom, 10 a.m. to 4:30 p.m. Minneapolis: Nov. 8 Coffman
Memorial Union Great Hall, 10 a.m. to 4:30 p.m. Morris: Nov 12
Oyate Hall, UMM Student Center, 11 a.m. to 1 p.m. Cookston: Nov. 13
Prairie Lounge Student Center, 11 a.m. to 12 p.m.
Slide 21
Enrollment Information
Slide 22
Enrolling Online New employees hired before December 1 may make
two elections to participate in FSA for 2012 and 2013 Multiple
elections can be made online, but not at the same time; wait a day
between enrollments Benefits will send an e-mail to affected
employees Employees with appointments ending prior to January 1,
2013, cannot enroll online - they are not anticipated to be active
employees in 2013 22
Slide 23
Open Enrollment Communications Employees with enrolled same-sex
domestic partners will receive a letter and instructions for Open
Enrollment. Elections can be made online if currently enrolled, or
on paper, if not. Materials are sent to employees on LOA & to
those without computer access An e-mail will be sent on November 1
to announce the start of Open Enrollment A final reminder will be
sent near the end of November 23
Slide 24
Benefit Materials for 2013 U & Your Benefits newsletters
Guide for UPlan Benefits Open Enrollment COBRA instructions &
rates Benefit summaries for prospective employees Summary of
Benefits for Medical & Dental Plans Managers Toolkit on OHR
website http://www.umn.edu/ohr/debcp/index.html 24
Slide 25
Common Questions
Slide 26
Will I receive a printed Open Enrollment Booklet? Open
enrollment booklets will be posted online. Select employees will
receive a printed booklet. Everyone will receive a printed open
enrollment newsletter with enrollment details. Will arrive in your
campus mailbox
Slide 27
Will HealthPartners Medical Group Clinics be available through
Medica? All HPMG clinics will still be available in Tier 1 of
Medica Insights. Includes Como & Riverside clinics and Regions
Hospital However, UMP clinics will move from Tier 3 down to Tier 2
in Insights. Limited HPMG clinics are available in Medica
Elect/Essential, Choice & HSA.
Slide 28
Who can I cover on my UPlan Medical and Dental Plans? Yourself
Your spouse or registered same-sex domestic partner Your dependent
children to age 26 For the definition of eligibility visit
www.umn.edu/ohr/benefits/eligibility/index.html
www.umn.edu/ohr/benefits/eligibility/index.html
Slide 29
With Medica, will I need a referral to see a specialist? Some
Medica Plans do not require a referral to see an in-network
specialist. Medica Insights Medica Choice National Medica HSA
Medica Elect/Essential have special guidelines. No referral needed
in your care system Referral needed to see an in-network provider
who is not in your care system. For all plans, youll need a
referral from your care system and Medica to receive in-network
benefits from an out-of-network provider.
Slide 30
Will I receive New Medical and Dental ID Cards? Members will
receive a new card from Medica and from Delta Dental if that is
their dental plan. New enrollees will receive HealthPartners Dental
and Prime Therapeutics Pharmacy cards. Replacement cards can be
obtained from your health plan.
Slide 31
Will flu shots be available this year? Yes, seasonal flu shots
will be available at no cost. On campus Walk-in clinics and flu
clinics On the Twin Cities campus schedule an appointment online at
www.bhs.umn.edu/public-health/flu.htmwww.bhs.umn.edu/public-health/flu.htm
Employee Health & Benefits Fairs Your medical clinic Retail
pharmacies (no cost if pharmacy is in Prime Therapeutics
network)
Slide 32
Who is eligible for the Medication Therapy Management Program?
You are eligible if you take four or more medications for chronic
conditions. The program offers: UPlan-paid consultations with a MTM
pharmacist (HSA members pay full cost of consultations. $10 copy
reduction for all Generic Plus and Brand medications for six
month
Slide 33
How do I contact the Health Plans? Medica 952-992-1814
1-877-252-5558 Delta Dental 651-406-5916 1-800-448-3815
HealthPartners Dental 952-883-5000 1-800-883-2177 Prime
Therapeutics 1-800-727-6181 Fairview Specialty Pharmacy
612-672-5289 1-877-509-5115
Slide 34
How does the Wellness Points Bank work? Accumulate points for
participating in Wellness Points Bank activities Must earn the
minimum number of points by August 31. 300 points for employee-only
or employee plus children 400 points for employees who cover a
spouse/same-sex domestic partner Covered spouses/partners can
contribute up to 100 of the 400 total points required. Receive
either a $300/$400 reduction in your 2014 UPlan Medical Program
rates.
Slide 35
How do I earn Wellness Points? Wellness ActivityPoints Wellness
assessment100 Biometric health screening100 NextSteps health
coaching for a medical condition200 NextSteps health coaching for
lifestyle change150 Face-to-face health coaching150 Tobacco
cessation program150 Weight management150 Bicycle commuter
program75 Fit Choices75 Healthy Pregnancy50 Online Healthy Living
program50 Step It Up! Walking program50 Wellness My Way50 Annual
flu shot pledge25 Non-tobacco user pledge25
Slide 36
Wellness My Way Self-directed approach to reach a personal
wellness goal and increase wellness points Earn 50 points for
completing your goal by August 31 Examples of Wellness My Way
activities: Athletic events, such as marathons, triathlons, 10k
walks U of M sponsored programs, such as GSX or MBSR Regular
exercise at home, such as a treadmill or swimming pool Alternative
weight management programs Team sports or fitness classes, such as
yoga, zumba, tennis Self-report activity in the Wellness Points
Bank
Slide 37
2012 Results 13,987 Wellness Assessment participants (including
spouses/partners) Up from 10,800 in 2011 Health screening
participants 7,535 versus 951 in 2011 On-site Health Coaching 474
versus 173 in 2011 Fit Choices participation 59% earned credit
versus 48% in 2011 5,756 UPlan members achieved their point goal
and premium reduction Up from 2,933 with follow-up programs in
2011
Slide 38
Return on Investment 2006 - 2010 Compared Wellness Program
participants with those eligible and declined Disease Management
reduced employee health care costs by $2,073 per participant year
Lifestyle Management reduced health care costs for spouses and
dependents by $2,401
Slide 39
Return on Investment 2006 - 2010 2006 2008Health Care Cost
Savings ROI per $1.00 Invested Program Costs$16,626,209 Program
Savings - Employees $27,427,863$1.65 + Spouses & Dependents
$1,853,572 Total$29,281,435$1.76 Second positive ROI for total
wellness program Saved $1.76 for every $1.00 invested in total
program 28% reduction in hospitalizations.
Slide 40
Do you have a Wellness Advocate for your Department? Wellness
Advocates Program: Looking for Wellness Advocates from each
College, Department Lead departmental Wellness initiatives Wellness
Program to provide support, materials, and training Plus special
programs for wellness advocates Interested? Email to
[email protected]@umn.edu
Slide 41
Enroll Now Open Enrollment, November 1-30, 2012 Enroll at
http://hrss.umn.eduhttp://hrss.umn.edu Coverage changes made during
Open Enrollment are effective on January 1, 2013.