University of Georgia Human Resources Division

Benefits Open Enrollment 2014

Tobacco Surcharge

Action Required!(Again)

Vision

UNIVERSITY SYSTEM OF GEORGIA 3

No changes in coverage or premiums for 2015

Dental

Premiums increase 12%

FSA/HSA

UGA to

continue to

pay monthly

fees for FSA

USG to pay monthly fee for HSA

UGA to continue

match for HSA

contributions:

$375/750

Same vendor for FSAs and HSA

Open Access POS is now Comprehensive Care plan

Add ABA Autism Therapy coverage

Premiums decrease 6%

Increase in-network deductible: Single /$500 Family/ $1500

Increase in-network out of pocket maximum: Single/$1250 Family/$2500

Increase in-network specialist office visit co-pay by $10 from $20 to $30

5

HSA Open Access POS is nowConsumer Choice HSA

Add ABA Autism Therapy coverage

Increase in-network out-of-pocket maximum from $3,000 single/$6,000 family to $3,500 single/ $7,000/family

Increase in-network employee co-insurance from 15% to 20% (employer co-insurance decreases from 85% to 80%)

Increase out of network deductible from $2,500 single/$5,000 family to $3,000 single/$6,000 family

Premiums increase by 32%

6

Plan Changes – BlueChoice HMOAdd ABA Autism Therapy coverage

Increase in-patient hospital services co-pay from $250 to $500

Increase primary care office visit co-pay from $20 to $30

Increase brand name prescription drug co-pay from $25 to $35

Increase specialist office visit co-pay from $25 to $50

Premiums increase 24%

Add 20% co-insurance to non-preferred brand name prescription drug with a $45 minimum and $125 maximum cost share

7

Plan Changes – Kaiser HMO Plan Add ABA Autism Therapy coverage

Increase emergency room co-pay from $150 to $250

Increase preferred brand co-pay from $25 to $35 and non- preferred co-pay from $35 to $45 at Kaiser pharmacy

Premium increase of 4%8

Good claims experience in previous years kept costs lower

System healthcare costs ran to a $17 million deficit last year

Projected costs for 2014 are over budget– Extra fees due to ACA– Enrollment growth– Higher than average claims experience– Migration between plans

Why are the premiums going up for some of the plans?

CVS Caremark will be the Pharmacy Benefit Manager for all the BCBS plans (excluding Kaiser HMO)

One of the largest networks in the country You do not have to use CVS as your pharmacy

CVS Caremark replaces Express Scripts

10/20 9:00-11:00am Masters Hall, Ga. Ctr.10/21 1:00 – 3:00am Masters Hall, Ga. Ctr.10/22 9:00-11:00am Masters Hall, Ga. Ctr.10/30 9:00 – 11:00am University Chapel10/30 2:00 – 4:00pm University Chapel

Collaborate Sessions (non-Athens locations)10/22 2:00 – 3:30 pm10/23 10:00 – 11:30 am

Visit www.hr.uga.edu and select “Open Enrollment”

Open enrollment sessions for active employees

*IMPORTANT*

Tobacco Surcharge – Action Required!

Affordable Care ActEmployees averaging 30 hours a week are eligible for health insurance(it’s not that simple)

Important dates Transition period

– May 1, 2014 through October 31, 2014– Tracking temp employees working more than 30 hours per week– Potentially benefits eligible in January 2015

End of first 12-month reporting period– May 1, 2015

What has been happening Identification of temps Interpretations of workplace situations Feeding work hours data to the USG

– Payroll hours for hourly temps– Calculated hours from Percent Time for monthly temps

(50% time equates to 20 hours per week)

What is going to happen next The USG is going to review the data from the

transition period to determine who has averaged more than 30 hours per week

They will report back to us in late November We’ll review and reconcile their list Anticipate between 25-50 temps will be

designated as potentially benefits eligible

What is going to happen next USG survey of our methodology USG audit of our practices and results Potential changes to our recordkeeping

methodology

Recordkeeping Options

Temp faculty and staff employment agreement forms

Timesheets for both hourly and monthly temps Electronic timekeeping application

–Expansion of Kronos–Third party vendor compliance tool for UGA–USG compliance tool

Graduate Research Assistants This has been one of the most debated groups

both within the USG and nationally Very difficult to distinguish between

“academic training” time and “work” time USG has decided to explore the possibility of

establishing a separate health insurance plan for GRAs

Early stages of development; more to come

Reference material The USG Employee Categories policy can

be found at: http://policies.uga.edu/FA/nodes/view/1120/Types-of-Employment

A separate UGA ACA Guidelines document is being completed and will be available in November