2016Open enrOllment

at Princeton

my guide to

During Open Enrollment—Monday, October 19, through Friday, November 13, 2015—you have the opportunity to review and change your benefits elections to meet your current and/or future needs.

As there are a number of changes to the benefits offerings for 2016, review this open enrollment guide and the enclosed My Benefits 2016 booklet carefully prior to making your selections. You may also attend a Benefits Fair to learn more. See Key Dates for more information.

Throughout Open Enrollment, Human Resources staff are available to meet with faculty and staff members to assist with benefits-related questions and help with online enrollment. To reach a member of the Benefits Team, call (609) 258-3302 or e-mail benefits@princeton.edu.

resOurces

Benefits information and forms are available online at www.princeton.edu/hr/benefits. If you do not have online access, materials and forms are available for pick up at Human Resources. Kiosks for online access and enrollment are available at the following locations:

Graduate College Loading Dock

Forbes College Kitchen

Friend Center Loading Dock

Madison Hall Hallway by Campus Dining

New South Second Floor

Plasma Physics Lab PPPL HR Office

Whitman Kitchen

Wilcox Hall Kitchen

As part of your total compensation package, Princeton University offers a comprehensive benefits package that includes various options to meet your healthcare and financial needs.

three tier netwOrk

in-network preferred, in-network non-preferred, Out-of-network

The Consumer Directed Health Plan (CDHP) and PHP will utilize a three-tier coverage design for certain in-network specialty and laboratory services only. Lists of preferred specialty categories are found on page 11 in My Benefits 2016 or at www.princeton.edu/hr/benefits.

Tier 1—In-Network Preferred ProvidersTier 2—In-Network Non-Preferred ProvidersTier 3—Out-of-Network Providers

Details of your costs when using Tier 1, 2, or 3 providers are outlined in the Medical Plan Benefits Comparison Chart on pages 13 and 14 of My Benefits 2016. labOratOry services

Quest Diagnostics is the preferred lab for Aetna; UnitedHealthcare’s is LabCorp. If you go to any other in-network lab with Aetna or UnitedHealthcare, you will be charged more and need to meet the plan’s annual deductible. If you are in UnitedHealthcare and use the Quest lab located in McCosh Health Center, your lab services will be covered as if they were preferred.

enhanced custOmer service

Princeton arranged for new customer service teams at Aetna and UnitedHealthcare. These experienced professionals are familiar with our medical networks, plans, and costs to help you find in-network preferred providers, urgent care centers, centers of excellence, etc. They are trained to answer all your claim and coverage questions, take responsibility to resolve any claim issues you bring to them, and direct you to other Princeton resources when appropriate.

CHaNgeS TO PlaNS aNd PROgRamSThis Guide highlights benefit changes going into effect on January 1, 2016. It also provides important reminders regarding the annual open enrollment process and resources available to you. For more details on these benefit changes, new programs, and current benefit plans and programs, refer to the enclosed booklet My Benefits 2016.

emergency rOOm cOpayment increase

The copayment for the use of an emergency room will increase to $175 for the HMO and PHP. It will be waived upon hospital admission. See the insert in My Benefits 2016 for information on alternatives to the emergency room for non-life threatening conditions.

aetna hmO Out-Of-pOcket maximum (Opm)

An OPM of $2,500 for individual and $5,000 for family will be added to the Aetna HMO Plan. If you or a covered dependent reach the OPM amount in a calendar year, the eligible medical expenses under the HMO will be covered at 100% through the end of the calendar year.

Out-Of-netwOrk cOverage changes

coinsurance change

For participants in the PHP, your coinsurance responsibility for out-of-network coverage will increase from 30% to 40% after deductible for most services. Exceptions include outpatient mental health, which will decrease from 30% to 25% with no deductible, and laboratory services, which will increase from 30% to 50% after deductible.

For participants in the CDHP, your coinsurance responsibility for out-of-network outpatient mental health coverage will decrease from 50% to 25% after deductible.

reasonable and customary (r&c) reimbursement

In-network services have negotiated prices whereas out-of-network services do not. Therefore, our plans ensure prices paid to out-of-network providers are fair by limiting the payment for services to reasonable and customary (R&C) charges. R&C charges are based on information provided by Fair Health, Inc., a not-for-profit company formed to compile claims information to show how much providers charge for services in any zip code. Providers’ charges are grouped by service and arranged from lowest to highest. Due to the higher growth rate of out-of-network charges when compared to in-network costs, our plans will reduce the out-of-network reimbursement from the 85th percentile to the 70th percentile of R&C charges.

unitedhealthcare php telemedicine

UnitedHealthcare (UHC) now offers telemedicine services (referred to as virtual visits) for members enrolled in the PHP with UHC. In 2016, you will log in to www.myuhc.com and choose from provider sites where you can register for a virtual visit. The virtual visit will be covered at 100%. Due to this change, UHC members will not have access to Teladoc after December 31, 2015. Aetna PHP, CDHP, HMO, and J-1 Visa plan participants will continue to utilize Teladoc in 2016.

Health CareemplOyee cOntributiOn changes

Your contribution is the amount that you pay toward the cost of your healthcare benefits through payroll deductions. Contribution rates will increase by 3% for the J-1 and Princeton Health Plan (PHP) medical plans. All other plans will have no cost increases in 2016. The rate for the Aetna DMO will decrease by 10%.

Medical Plans

new vendOr

Catamaran, an OptumRx company (OptumRx), will replace Express Scripts as our new prescription provider. If you are enrolled in a Princeton medical plan, you will automatically be enrolled under OptumRx.

All participants will receive a Welcome Kit and new prescription plan ID cards before January 1, 2016. You should use your new ID card when filling prescriptions on or after January 1, 2016.

Some participants will receive personalized communication(s) from OptumRx during November. The letter(s) will include instructions to help you minimize costs and/or maintain continuity of your current mail order arrangement. You will also receive a letter from OptumRx’s specialty pharmacy, BriovaRx, if you are taking a specialty medication. Read and respond to these letters immediately. It is recommended that you have on hand a three-week supply of your medication during this transition.

three tier fOrmulary

generic, preferred brand, non-preferred brand

OptumRx will have a three-tier formulary design, which applies to the prescription coverage included with all Princeton medical plans.

A formulary is a list of prescribed medications—both generic and brand-name—that have proven to be both clinically and cost effective. Prescriptions on the formulary are categorized into three tiers and those tiers determine your cost for a particular medication.

retail pharmacy mail Order

30-day supply 90-day supplygeneric $5 $10

Preferred Brand $25 $50

Non-Preferred Brand

$40 or member pays the

difference

$80 or member pays the

difference

cdhp medical plan: Coverage is provided after the medical plan’s annual deductible(s) are met. exceptions for immediate coverage include preventive drugs and IRS-designated drugs for chronic conditions. Refer to My Benefits 2016 for more details.

There are preferred products in every therapeutic class in the formulary. Depending on where your current prescription falls within the tiers, you may see a change in cost, up or down.

For more information and a list of formulary medications, refer to www.princeton.edu/hr/benefits. If your current prescription is not a generic or preferred brand product on the formulary, call OptumRx at (877) 629-3117 or contact your prescribing physician to find the best way to minimize your costs.

incentive prOgram

my health cOach—trestletree

diabetes management incentive program

Beginning in 2016, new and current participants in the Diabetes Management Incentive Program will receive a $250 taxable cash incentive provided they are actively participating in the program when it is issued.

Princeton has offered this program in partnership with My Health Coach, administered by TrestleTree, since January 1, 2015. Participation is confidential, voluntary, and offered at no additional cost to eligible employees and their dependents enrolled in a Princeton medical plan. Participants get practical, personalized help to manage their diabetes or pre-diabetes condition and can obtain most diabetes medications and supplies at no cost. To learn more, contact TrestleTree at (866) 237-0973.

If you have any questions, contact the Benefits Team at (609) 258-3302 or benefits@princeton.edu.

Prescription Drug Plan

retirement savings plan autO enrOllment

Effective January 1, 2016, all benefits-eligible employees currently contributing 3% of pay into the Retirement Savings Plan will automatically be enrolled at 4% of pay. You can start, stop, increase, or decrease your contributions at any time through the HR Self Service system. If you take no action during Open Enrollment, your contribution will automatically increase. For additional information, refer to My Benefits 2016.

Retirement Plans

prOvider change

Effective March 1, 2016, Princeton’s group long term care provider will be Genworth. Information will be sent to eligible employees in early 2016 about the plan and how to apply. If you are enrolled in the current plan through CNA, your coverage will not be affected by this change provided you continue to pay your premiums. Individuals who want coverage under CNA may apply until February 1, 2016, subject to Evidence of Insurability (EOI).

Group Long Term Care

key dates fOr Open enrOllment

date eventOctober 19 annual benefits Open enrollment for 2016 begins.

The online HR Self Service system is available daily from 8:00 a.m. to midnight. HR assistance is available daily between 8:30 a.m. and 5:00 p.m.

October 28 main Campus Benefits Fair at Frist Campus Center, multipurpose Rooms a and B, from 10:00 a.m. to 2:00 p.m.

October 29 PPPl Benefits Fair at the lyman Spitzer Building, 10:00 a.m. to 2:00 p.m.

November 13 annual benefits Open enrollment for 2016 ends.

This is the final deadline for accessing HR Self Service to make any changes or corrections to 2016 benefits selections.

January 1, 2016 Newly elected benefits become effective.

health savings accOunt (hsa)

You may be eligible to elect the HSA, if you are covered under the CDHP. If you are currently participating in the HSA in 2015, your election amount will automatically carry forward in 2016 and any monies remaining in the HSA at the end of 2015 are automatically rolled over for 2016. However, you can elect, change, or terminate your contributions at any time during the year by contacting the Benefits Team, and you can manage your HSA at www.healthhub.com.

healthcare and dependent care flexible spending accOunts (fsa)

If you are currently contributing to a healthcare or dependent care FSA and would like to continue participating, you must re-enroll during Open Enrollment. Your 2015 elections will not automatically carryover into 2016, and there is no opportunity to enroll after the Open Enrollment period ends.

If you contributed to a healthcare FSA in 2015 and elect to participate in 2016, your current debit card will automatically be updated with your 2016 election amount. If you have leftover funds remaining in your 2015 account, balances of $50 up to $500 will automatically roll over into 2016.

parking and transit reimbursement prOgram

Due to an IRS regulation change released this fall, detailed information on how the program will work in 2016 is still under review. If you are currently contributing to a parking or transit reimbursement account, you will be sent additional information later this fall. Up-to-date information will be available at www.princeton.edu/hr/benefits.

enrOlling thrOugh hr self service You are able to log in to HR Self Service at www.princeton.edu/selfservice as often as you wish from Monday, October 19, through Friday, November 13, to review and/or make changes to your 2016 benefits elections. Instructions for using HR Self Service are in My Benefits 2016.

Once you submit your elections for 2016, changes should be accurately reflected in HR Self Service within one to two business days following the election. You should verify your 2016 elections by logging in to HR Self Service and clicking on Benefits Summary under the Benefits menu. On the Benefits Summary screen, to view your 2016 benefits elections, change the current date to 01/01/2016 and click Go.

ImPORTaNT eNROllmeNT RemINdeRS

id card infOrmatiOn

medical plans

CDHP and PHP participants who reside in an area with preferred specialty providers will receive new ID cards at the end of December. All others will only receive new ID cards if electing a medical plan for the first time or making changes to coverage. You can print temporary ID cards from each provider’s website at www.aetna.com or www.myuhc.com.

prescription plan

You will receive new ID cards from OptumRx if you are enrolled in a medical plan. You can print temporary ID cards from the OptumRx’s website at www.optumrx.com/mycatamaranrx.

dental plans

metlife

All MetLife dental plan participants will receive new ID cards at the end of December. The new ID cards will contain a new MetLife generated ID number, as well as a new member services number. You can print temporary ID cards from MetLife’s website at www.metlife.com/dental.

aetna dmO

There are no ID cards issued for this plan because an ID card is not required to receive services or care. However, if you prefer to have an ID card, you can print temporary ID cards from Aetna’s website at www.aetna.com.

vision care plan

There are no ID cards issued for this plan because an ID card is not required to receive services or care. However, if you prefer to have an ID card, you can print temporary ID cards from VSP’s website at www.vsp.com.

Copyright © 2015 by the Trustees of Princeton UniversityPrinceton University Office of Human Resources2 New South, Princeton, NJ 08544www.princeton.edu/hr (609) 258-3300