University of CaliforniaPostdoctoral Scholar

Benefits ProgramNew Postdoc Orientation

Presented by

Garnett-Powers & Associates

Postdoc Title Codes

•Title Code 3252 - Postdocs paid through the UC payroll system have been appointed in the title “Postdoctoral Scholar-Employee”.

•Title Code 3253 - Postdocs paid a stipend have been appointed in the title “Postdoctoral Scholar-Fellow”.

•Title Code 3254 - Postdocs paid directly from an extramural agency have been appointed in the title “Postdoctoral Scholar-Paid Direct”.

Note: The title of a Postdoctoral Scholar appointment is determined by the requirements of the funding agencies.

Benefits Offered Through The PSBP

• Medical Insurance – Health Net HMO and PPO.

•Dental Insurance – Health Net HMO and Principal POS.

•Vision Insurance – Health Net/EyeMed PPO.

•Life and AD&D Insurance – Standard Insurance.

•Short-Term Disability Insurance – Standard Insurance.

•Voluntary Long-Term Disability Insurance – Standard Insurance.

•Bright Horizons – A program that offers a variety of helpful caregiver services.

MEDICALINSURANCE

What is an HMO Plan?• One of the main components of an HMO that distinguishes the model from other

types of plans is the Primary Care Physician who acts as your gatekeeper for all of your care.

• If you enroll through the GPA hosted PSBP website, Health Net will automatically assign you to a PCP.

• If you enroll through At Your Service Online (AYSO), the UC sponsored enrollment service, you will be able to choose your own PCP using a link to the Health Net provider directory.

• You will learn of whether you may enroll through AYSO or through the GPA PSBP website when you click on ‘Enrollment’ on the GPA PSBP website by answering a series of questions.

• You can choose a PCP for each family member, or change the PCP assigned to you by calling Health Net.

• If you or a family member is in need of treatment from a Specialist or is in need of an In-Patient or Out-Patient procedure, you must obtain a referral from the PCP prior to any type of consultation or treatment (except in the case of an emergency). If the referral is not obtained, no benefits will be paid.

• There is no Out-of-Network benefit (except in the case of an emergency).

PSBP Medical HMO PlanHealth Net of California

Medical Benefits Health Net HMOPostdoctoral Scholar Pays

Physician Office Visit: $10 CopayHospitalization:

Inpatient No ChargeOutpatient No ChargePregnancy No Charge

Prescription Drugs:Generic $10 CopayBrand Name $20 CopayNon-Formulary $35 Copay

Emergency Room Visits: $35 Copay (waived if admitted)Health Evaluation: $10 CopayMental Health :

Inpatient No ChargeOutpatient $10 Copay

Annual Maximum Out of Pocket:Individual $1,500Family $4,500

Annual Deductible:Individual NoneFamily None

Lifetime Maximum: Unlimited

What is a PPO Plan?

• When covered under a PPO plan, there is no need to be assigned a Primary Care Physician.

• There is an In-Network and Out-of-Network component.

• You have the flexibility to see a doctor without a referral either in-network or out-of-network.

• The PPO plan offers more flexibility in physician access than the HMO plan. As a result, the out-of-pocket costs tend to be higher.

• The In-Network benefit coverage (deductible, coinsurance, etc.) will be greater than the Out-of-Network benefit coverage.

PSBP Medical PPO PlanHealth Net of California

Medical Benefits Health Net PPO (In-Network) Health Net PPO (Out of Network)*Postdoctoral Scholar Pays Postdoctoral Scholar Pays

Physician Office Visit: $20 Copay 40%Hospitalization: Inpatient $250 Copay then 20% $250 Copay then 40% Outpatient $0 Copay 40% Pregnancy $250 Copay then 20% $250 Copay then 40%Prescription Drugs: Generic $10 Copay 50% + $10 Copay Brand Name $25 Copay 50% + $25 Copay Non-Formulary $35 Copay 50% + $35 CopayEmergency Room Visits: 20% 40%Routine Physical Exam: $20 Copay 40%Mental Health (Severe): Inpatient $250 Copay then 20% $250 Copay then 40% Outpatient $0 Copay 40%Annual Maximum Out of Pocket: $1,500 Individual $1,500 Individual(Does not include deductible) $4,500 Family $4,500 FamilyAnnual Deductible: Individual None $200 Family None $600Lifetime Maximum: Unlimited

*Out of Network reimbursement based on limited fee schedule.

Wellness Programs

The following benefits are included in your Health Net medical plan:

•Health Net offers Text4Baby, a free service that provides free text messages up to 3 times a week with information to assist you through your pregnancy and your baby’s first year. In order to register, text BABY to 511411.

• If you are pregnant, or thinking of starting a family, the Decision Power® Healthy Pregnancy offered through Health Net provides you valuable information to assist you in having a healthy pregnancy and delivering a healthy baby. This valuable program offers three confidential pregnancy assessments, access to a personalized website resource, a toll-free BabyLine ® answered by experienced nurses until your baby is six weeks old, and other important services.

Wellness Programs, cont.

•Decision Power is a program through Health Net that offers a variety of methods to track possible health risks and identify potential problems. The goal of this program is to assist through online coaching with a guide to pregnancy, tobacco use, weight management, nutrition and stress reduction.

• If you wish to make the healthy decision to quit smoking, Smoking Cessation offers a plan to help you kick the habit with the assistance of either online or telephone support.

•Lose Weight is another health-wise program offered through Decision Power that keeps you motivated to lose weight, offers healthy eating choices and counseling from a health coach.

•To access detailed information about these valuable programs, go to www.garnett-powers.com/postdoc/wellness.

DENTALINSURANCE

PSBP Dental DHMO PlanHealth Net of California

Dental Benefits Health Net DHMOPostdoctoral Scholar Pays

Deductible: NoneDiagnostic and Preventative Care:Routine Oral Exams No chargeRoutine Teeth Cleanings No chargeRoutine X-Rays No charge Basic Procedures:Fillings Varies up to $80 copayOral Surgery Varies up to $130 copay Endodontics Varies up to $150 copay Periodontics Varies up to $300 copay Major Procedures: Crowns Varies up to $200 copay Orthodontics:Comprehensive Treatment- Child $1,950 copay plus start-up fees and retentionComprehensive Treatment- Adult $2,250 copay plus start-up fees and retention Annual Maximum: Unlimited

What is a POS Plan?

•When you enroll in the Point-of-Service (POS) plan, you will not be assigned to a Primary Care Dentist at the time of enrollment.

• The POS plan offers more flexibility than the HMO plan resulting in the out-of-pocket costs being a bit higher.

• There are two In-Network options: An Exclusive Provider Organization (EPO) and a Preferred Provider Organization (PPO).

• There is also an Out-of-Network option. You will pay less for services if an In-Network provider is used.

• The EPO discounts up to 50% and the PPO discounts up to 30% for procedures performed by participating providers, greatly reducing your out-of-pocket costs.

PSBP Dental POS PlanPrincipal Financial Group

Principal EPO/PPO (In-Network) Principal PPO (Out-of-Network)

Postdoctoral Scholar Pays Postdoctoral Scholar PaysCalendar Year Deductible: None $50 per person, waived for

diagnostic and preventative CareDiagnostic and Preventative Care:Routine Exams No charge No charge, except for the amount Teeth Cleanings No charge of the dentist’s fee that exceeds Routine X-Rays No charge Principal’s scheduled allowance

Basic Procedures: Fillings 10% 20% of the scheduled allowance,Endodontics 10% after the deductible is met, plus Non-Surgical Periodontics 10% the amount of the dentist’s fee that Simple Oral Surgery 10% exceeds Principal’s scheduled

allowanceMajor Procedures: Crowns 50% 50% of the scheduled allowance,Bridgework 50% after the deductible is met, plus the Dentures 50% amount of the dentist’s fee that Complex Oral Surgery 50% exceeds Principal’s scheduled

allowanceOrthodontia (Adult and Child):$1,000 Lifetime Maximum 50% 50% of the scheduled allowance,

after the deductible is met, plus the amount of the dentist’s fee that exceeds Principal’s scheduled allowance

VISIONINSURANCE

PSBP Vision PPO PlanEyeMed through Health Net of

CaliforniaVision Benefits Health Net PPO (In-Network) Health Net PPO (Out of Network)

Postdoctoral Scholar Pays Postdoctoral Scholar Allowance Exam with Dilation (if necessary): $0 Copay Up to $40

Standard Plastic Lenses:Single Vision $10 Copay Up to $40Bifocal $10 Copay Up to $60Trifocal $10 Copay Up to $80Lenticular $10 Copay Up to $80

Frames: $0 Copay, $120 retail allowance Up to $45for any frame, plus 20% offbalance over allowance

Lens Options:UV Coating $15 N/ATint (solid and gradient) $15 N/AStandard Scratch Resistant $15 N/AStandard Progressive $45 N/A

Conventional Contact Lenses: $105 allowance toward contacts, Up to $105plus 15% discount off balance over allowance

Frequency:Examination Once Every 12 MonthsLenses or Contact Lenses Once Every 12 MonthsFrame Once Every 24 Months

LIFE and AD&DINSURANCE

PSBP Life Insurance andAccidental Death & Dismemberment Plan

The Standard Insurance Company

•The plan pays $50,000 in the event of a death.

•The plan pays an additional $50,000 in the event of an Accidental Death.

•AD&D Seat Belt Benefit – Up to $10,000 is payable for death as a result of a car accident while wearing a seat belt.

•Accelerated Benefit Provision – Allows eligible members who are terminally ill to receive an early allocation of up to 75% of their group life insurance benefit.

•All Postdoctoral Scholars (Title Code 3252, 3253 and 3254) are automatically enrolled in the Life and AD&D insurance.

SHORT - TERM DISABILITY INSURANCE

PSBP Short Term Disability PlanThe Standard Insurance Company

•The plan will pay 70% of the first $1,429 weekly pre-disability earnings.

•The maximum weekly benefit is $1,000 per week.

•The minimum benefit is $25.00.

•The benefit waiting period is 0 days for disability caused by an accidental injury and 7 days for disability caused by sickness or pregnancy.

•The maximum benefit period is 180 days.

•The plan covers non-occupational disability only.

•All Postdoctoral Scholars (Title Code 3252, 3253 and 3254) are automatically enrolled in the STD plan.

Repatriation & MedicalEvacuation Coverage

• All Postdoctoral Scholars in job codes 3252, 3253 and 3254 and their dependents are automatically covered for medical evacuation and repatriation benefits necessary to satisfy the J Visa Program.

• International Postdocs and their dependents are not required to purchase supplemental coverage for their J1 and J2 Visa requirements.

• The PSBP Short-Term Disability plan satisfies these requirements even if the Postdoc waives the medical, dental, and/or vision coverage.

VOLUNTARY LONG-TERM DISABILITY INSURANCE

PSBP Voluntary Long-Term Disability Plan

The Standard Insurance Plan

• This benefit is voluntary and is paid 100% by the Postdoctoral Scholar.

• This benefit is not an open enrollment choice and is only available during your period of initial eligibility. If you decide to enroll at a later date, you will have to complete a medical questionnaire and you may be declined or approved. This process may take as long as fifteen weeks.

• The Benefit Waiting Period is 180 days of disability. This program starts when the Short Term Disability ends.

• The plan will pay 60% of the first $7,500 of your monthly pre-disability earnings.

• The maximum monthly benefit is $4,500. This benefit is reduced by deductible income such as workers’ compensation.

•Once approved, benefits are payable each month while you are disabled, up to age 65.

• The monthly premium for the Long-Term Disability Insurance is $7.95 for Plan Year 2014.

Bright Horizons

Bright Horizons• This program offers you access to babysitters, mother’s helpers, pet

sitters, dog walkers, senior companions, tutors and several other types of helpful services.

• When you register for membership with Bright Horizons, you will have access to all of their available services; information on how to register is on the Bright Horizons section of the GPA PSBP website at this link: http://www.garnett-powers.com/postdoc/bright_horizons.htm

• You may search for caregivers using a direct search based on criteria important to you, or post a job and have candidates apply to you.

• You have access to profiles and reviews of caregivers.

• Checking caregivers’ references is made simple.

• You may view background checks for the candidates you prefer.

• The cost of membership is paid for by the University of California; you simply pay for the cost of services of the caregivers you hire.

THE ENROLLMENT PROCESS

•Before you begin the enrollment process, it’s important to review the detailed plan information on the GPA PSBP website so you are aware of what benefits you wish to choose before visiting the enrollment form.

•First, click on the ‘Enrollment’ section of the PSBP website.

•When you click on this link, you will be asked to answer a series of questions that will determine which of two methods you will use to enroll in the PSBP. You must do this within 31 days of your hire date.

• If you answered ‘No’ to the questions that are asked, you can use the UC AtYourServiceOnline (AYSO)website to enroll.

• If you answer ‘Yes’ to one of the questions, you will click on the link provided that will take you to the enrollment section of the GPA PSBP website where you will complete the enrollment form.

•First, please print out the Enrollment Form Instructions. These will assist you in efficiently completing the online form.

THE ENROLLMENT PROCESS, Cont.

•Once you have completed your enrollment form, please print, sign and date it and turn it into your department administrator for processing. Your enrollment is not complete and you may not access service until the form is turned in to the appropriate party that will enter your information into the payroll system.

•Please always make sure that you keep a copy of the enrollment form for your own records as well.

• It may take up to 6 weeks for your information to reach the carriers due to the timing of your enrollment.

• If you need to seek services during this time, please contact the PSBP Customer Service Representative listed at the bottom of each website page.

•You have 31 days from your hire date or qualifying event (such as a marriage or a birth) in order to enroll in the PSBP.

PDS MONTHLY CONTRIBUTIONSFOR THE HMO MEDICAL PLAN

Effective 1-1-2015, all PDS will make the following monthly contribution if enrolled in the Medical HMO Plan:

Coverage Type Monthly Contribution•Postdoc Only $10.16•Postdoc + Spouse or Domestic Partner $36.59•Postdoc + Child(ren) $17.79•Postdoc + Spouse + Child(ren) $46.49

PDS MONTHLY CONTRIBUTIONSFOR THE PPO MEDICAL PLAN

Effective 1-1-2015 the PDS will make the following monthly contribution if enrolled in the Medical PPO Plan:

Coverage Type Monthly Contribution•Postdoc Only $20.00•Postdoc + Spouse or Domestic Partner $40.00•Postdoc + Child(ren) $40.00•Postdoc + Spouse + Child(ren) $60.00

THE COLLECTION PROCESS

•Postdoctoral Scholars with sufficient funds, have their contributions deducted from their checks via the payroll system.•Postdoctoral Scholars with insufficient funds, have their contributions collected via invoice through GPA.•GPA collects contributions for the HMO and PPO Medical plans and the Voluntary Long Term Disability plan.

FAMILY MEMBER ELIGIBILITYFamily member eligibility requirements are the same as the family member eligibility requirements for the UC Faculty and Staff plans. The major family member categories are the following:

Spouse

Natural or adopted child or children to age 26 for medical plans (unless eligible to continue coverage because of disability). Adult age children are not eligible to enroll if they are eligible for their

own employer-sponsored plan.

Same-sex domestic partner

Opposite-sex domestic partner (per AB205)

Note: When two family members are employed through the UC, duplicate coverage is not allowed.

INFORMATION SOURCES

Website: Garnett-Powers’ PSBP website

www.garnett-powers.com/postdoc

Toll Free Phone: Garnett-Powers’ PSBP customer service

800-254-1758

Email Address: Garnett-Powers’ email address

PSBP@garnett-powers.com