Download pdf - 2016-2017 EmplOyEE BEnEfits & Open enrOllMent InfOrMatIOn · PDF file2016-2017 EmplOyEE BEnEfits & Open enrOllMent InfOrMatIOn ... Mountain View Hospital X X Mountain West Medical

Open Enrollment Dates:May 2 - June 3, 2016

2016-2017 EmplOyEE BEnEfits &Open enrOllMent InfOrMatIOn

Please visit hr.usu.edu for more information

2

Enrollment schedulesEnroll Between

May 2 - June 3, 2016Pages 6 - 16

Medical & Dental Insurances

Flexible Spending Accounts

Supplemental Life Insurance

Short-term Disability Insurance

Supplemental Accidental Death & Dismemberment Insurance

MetLaw Hyatt Legal Services

EyeMed Supplemental Vision Insurance

Enroll AnytimePages 17 - 22

HealthSparq

Supplemental Retirement Plans

Employee Wellness at USU

MetLife Home & Auto Insurance

Retirement Healthcare Savings Plan

Health Savings Account

1

Dear Employee,Open Enrollment begins May 2, 2016 at 8:00 a.m. and ends June 3, 2016 at 5:00 p.m. (MDT). Open Enrollment is your opportunity to enroll or make changes to the following benefits:

• Medical and dental plans • Short-term disability insurance • Supplemental life insurance • Flexible spending accounts • Hyatt Legal • Zurich AD&D • EyeMed Supplemental Vision Insurance

The Hartford will mail details to your home address relating to your current life and disability insurance coverage and provide instructions on how to make any necessary changes.

REMEMBER – if you wish to participate in ASI Flex Spending, you must re-enroll EVERY YEAR during open enrollment. This benefit does not automatically roll over into the new fiscal year.

OpEn EnROllmEnt AnD BEnEfits OpEn HOUsEsThe Office of Human Resources is offering multiple Benefits Open Houses on May 23-26, 2016, from 9:00 a.m. - 4:00 p.m. in the Center Colony and West Colony rooms of the Taggart Student Center. USU Human Resources representatives and benefits vendors will be available to assist you and answer questions relating to benefits and open enrollment.

The Office of Human Resources encourages you to carefully review this booklet describing the benefits available to you as an employee of Utah State University.

To make an appointment to meet with a Human Resources representative during the Open Houses, please visit: conference.usu.edu/OpenHouse.

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COntEntsEvery year during open enrollment, USU employees have the opportunity to change medical and dental coverage options, add or change life insurance, add short-term disability insurance, and sign up for medical or dependent care flex spending. In addition to open enrollment information, this booklet provides information on other important employee benefits. Please keep this booklet as a reference.

HealthSparq - A Tool to Compare Health Care CostsMetLife Home & Auto InsuranceEmployee Wellness at USU - “Be Well”Need Help with Medicare?Retirement Savings Providers & Plans Where Can I Get More Information?

171819202023

Open Enrollment information

Other Employee Benefits information

Senior Editor Marla Boyer, Senior Associate Director

Design & LayoutDanielle Hurst, Graphic Designer

publication team

Which Family Members Are Eligible for USU Benefits?New for FY 2016-2017Medical & Dental Insurance Premiums VRx — USU’s Pharmacy Benefit ManagerHeard of HDHP and HSA?Flexible Spending Account The Hartford - Life & Disability InsurancesZurich Supplemental Accidental Death & Dismemberment InsuranceMetLaw Hyatt Legal Services

4591213141516

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Photographs provided by:Derek Toone and USU Archives

Open enrollment: May 2 - June 3, 20163

Open enrollment: May 2 - June 3, 2016 5

Which family members Are Eligible for UsU Benefits?Eligible family members are:• Spouse• Domestic partner• Children under age 26 • Natural children • Step children • Legally adopted children • Children for whom you have legal guardianship • Foster children • Children placed with you for adoption • Children of your domestic partner who depend on you for support and live with you in a parent/child relationship • Unmarried children to whom you are legally responsible to provide health coverage under the terms of a Qualified Medical Child Support Order • Unmarried children over the age limit who depend on you for primary financial support and maintenance due to physical or mental disability

Does your spouse or partner Work at UsU?If your spouse works at USU, you may elect Dual Coverage (see page 11 for details). Both employees will pay premiums for the same plan, one at family or couple rates, the other at single rate.

Waiving medical CoverageIf you have medical coverage elsewhere, you may choose to waive coverage through USU by filling out the Medical Opt-out form. Please contact the Office of Human Resources at (435) 797-0122 to obtain this form.


HealthSparq - A Tool to Compare Health Care CostsMetLife Home & Auto InsuranceEmployee Wellness at USU - “Be Well”Need Help with Medicare?Retirement Savings Providers & Plans Where Can I Get More Information?


new for fy 2016-2017introducing Eyemed supplemental Vision Benefits plan EyeMed is a new supplemental vision plan for USU benefit eligible employees. EyeMed offers five of the top six most admired national retail chains as in-network options including: LensCrafters®, Sears Optical®, Target Optical®, JCPenney Optical® and most Pearle Vision® locations. In addition, EyeMed offers more independent vision care providers than anyone. Above all else, EyeMed makes vision care easy. They have member tools that save time, save hassle and provide you with piece of mind. EyeMed’s award-winning Customer Care Center is open day and night, 7 days a week. EyeMed vision plans start at $5.86 per month and are available through USU beginning July 1, 2016. For more information about EyeMed, please visit www.eyemed.com. An EyeMed representative will be available for questions during the USU Benefits Open Enrollment Open Houses scheduled for May 23-26, 2016, from 9:00 a.m. to 4:00 p.m. in the Center Colony and West Colony rooms of the Taggart Student Center. For more information about the USU Benefits Open Enrollment Open Houses, please visit hr.usu.edu.


Steps for Medical and Dental Enrollment/Changes: 1. Between May 2 - June 3, 2016, go to ServiceNow.usu.edu and log in with your A number and password.

2. Click on the Service Catalogs link and select the Human Resources tile.

3. Click on Medical and Dental Enrollment.

4. Select the appropriate form.

5. Select your desired medical and dental insurance plans and coverage levels.

6. Verify your family members. (This is a list of all your family members on Banner Access.) If someone needs to be updated or added click Update Family Members, this will direct you to Banner Access.

Note: If adding a family member for the purpose of insurance you are required to attach proof of the relationship via ServiceNow. (e.g marriage certificate, birth certificate, or adoption document).

7. Verify that all eligible dependents are to be added to the insurances. When selecting No, please include the details in the coverage comments box.

8. Select “yes” to the agreement and click Submit Now.

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2016-2017 plan Benefits


For a full explanation of all plan coverages, please consult the plan documents at hr.usu.edu and click on benefits, then Regence Summary Plan Description, or contact the Office of Human Resources at (435) 797-0122.

*See page 13 for more information.

OVERVIEW PLAN COMPARISONWELLNESS

(White)70/30 Coverage

HIGH PREMIUM(Blue)

80/20 Coverage

“CHOICE”HIGH DEDUCTIBLE

80/20 Coverage

BENEFITS PER PLAN YEAR YOU PAY YOU PAY YOU PAY

Preventative Care Cost Preventative Care is not subject to deductibles!

$0 $0 $0

Deductible (Ded) Per Person Per Family

$750$1,500

$500$1,000

$1,500 $3,000*

Co-pays Doctor visits (regular office hours) Hospitalization

$35 co-pay, after Ded$250 co-pay, after Ded

$30 co-pay, after Ded$200 co-pay, after Ded

20% after Ded20% after Ded

Co-insurance Percentage 30% after Ded 20% after Ded 20% after Ded

Maximum Out-of-Pocket Per Person Per Family

$3,750$7,500

$3,000$6,000

$5,000$10,000

Diagnostic X-ray and LabAfter Ded, you pay $0 up to $1,000. Thereafter you

pay 30%

After Ded, you pay $0 up to $1,000. Thereafter you

pay 20%

After Ded, you pay $0 up to $1,000. Thereafter

you pay 20%

Prescription Drugs Generic Formulary Non-Formulary

$535%50%

$535%50%

20% after Ded

Premiums See page 9 See page 10 See page 9

Rx Co-insurance Maximum Per Person Per Family

$1,500$3,000

$1,250$2,500

N/A

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Hospital Preferred ValueCare (PVC)

Participating (PAR)

Alta View Hospital XAmerican Fork Hospital XAshley Regional Medical Center X XBear River Valley Hospital X XBeaver Valley Hospital X XBlue Mountain Hospital X XBrigham City Hospital X XCache Valley Hospital X XCastleview Hospital X XCentral Valley Medical Center X XDavis Hospital and Medical Center X XDelta Community Medical Center X XDixie Regional Medical Centers X XFillmore Hospital X XGarfield Memorial Hospital X XGunnison Valley Hospital X XHeber Valley Medical Center X XHuntsman Cancer Hospital X XIntermountain Medical Center XJordan Valley Medical Center — West Jordan X XJordan Valley Medical Center — West Valley X XKane County Hospital X XLakeview Hospital X XLDS Hospital XLogan Regional Hospital X XLone Peak Hospital Inc X XMcKay Dee Hospital XMilford Memorial Hospital X XMoab Regional Hospital X XMountain Point Medical Center X XMountain View Hospital X XMountain West Medical Center X XOgden Regional Medical Center X XOrem Community Hospital XPark City Medical Center X XPrimary Children’s Hospital X XRiverton Hospital XRiverton Children’s Unit X XSalt Lake Regional Medical Center X XSan Juan County Hospital X XSanpete Valley Hospital X XSevier Valley Medical Center X XSt. Mark’s Hospital X XThe Orthopedic Specialty Hospital (TOSH) — Murray XTimpanogos Regional Hospital X XUintah Basin Medical Center X XUniversity Hospital X XUniversity of Utah Orthopedic Center X XUtah Valley Regional Medical Center XValley View Medical Center X X

Participating Physicians (MD and OD) 5823 5904Other Professional Providers 5126 5194

Hospitals 41 50

REGENCE BLUECROSS BLUESHIELD OF UTAH HOSPITAL NETWORK COMPARISON

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Employee monthly medical and Dental insurance premiums: 2016-2017

“CHOICE” HIGH DEDUCTIBLE HEALTH PLAN (HDHP)

NETWORK: Preferred ValueCare Network (PVC)

COVERAGE LEVELS

Salary Ranges Single Coverage Family Coverage

ALL SALARY RANGES $0 $0

NETWORK: Participating Network (PAR)

COVERAGE LEVELS



WELLNESS PLAN (White Plan)


COVERAGE LEVELS

Salary Ranges Single Coverage Two-Party Coverage Family Coverage

$24,508 or less $13.67 $30.76 $44.44

$24,509 - $37,295 $17.23 $38.76 $55.99

$37,296 - $57,540 $21.70 $48.83 $70.53

$57,541 or more $27.35 $61.53 $88.87


COVERAGE LEVELS


$24,508 or less $37.67 $84.76 $122.44

$24,509 - $37,295 $41.23 $92.76 $133.99

$37,296 - $57,540 $45.70 $102.83 $148.53

$57,541 or more $51.35 $115.53 $166.879

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“CHOICE” HIGH DEDUCTIBLE HEALTH PLAN (HDHP)


COVERAGE LEVELS




COVERAGE LEVELS



WELLNESS PLAN (White Plan)


COVERAGE LEVELS


$24,508 or less $13.67 $30.76 $44.44

$24,509 - $37,295 $17.23 $38.76 $55.99

$37,296 - $57,540 $21.70 $48.83 $70.53

$57,541 or more $27.35 $61.53 $88.87


COVERAGE LEVELS


$24,508 or less $37.67 $84.76 $122.44

$24,509 - $37,295 $41.23 $92.76 $133.99

$37,296 - $57,540 $45.70 $102.83 $148.53

$57,541 or more $51.35 $115.53 $166.87

Employee monthly medical and Dental insurance premiums: 2016-2017 (continued)

DENTAL COVERAGE LEVELS PREMIUMS

Employee Only $10.42

Employee Plus One Dependent $18.18

Employee Plus Two+ Dependents $32.96

DENTAL BENEFITS PLAN PAYS

Dental Co-insurance Preventative & Basic paid at 80%, Major paid at 50%

Dental Maximum $1,500 per claimant

Ortho Lifetime Maximum $1,500 per claimant

HIGH PREMIUM PLAN (Blue Plan)


COVERAGE LEVELS


$24,508 or less $47.66 $107.24 $154.90

$24,509 - $37,295 $60.05 $135.11 $195.16

$37,296 - $57,540 $75.66 $170.23 $245.89

$57,541 or more $95.32 $214.47 $309.80


COVERAGE LEVELS


$24,508 or less $74.66 $167.24 $241.90

$24,509 - $37,295 $87.05 $195.11 $282.16

$37,296 - $57,540 $102.66 $230.23 $332.89

$57,541 or more $122.32 $274.47 $396.80


DUAL OPTION PLANWELLNESS PLAN

(White Plan)HIGH PREMIUM PLAN

(Blue Plan)

BENEFITS FOR PLAN YEAR YOU PAY YOU PAY

Preventative Care CostDeductible (Ded) Per Employee Per Family

$375$750

$250$500

Co-pays Doctor visits (regular office hours) $15 $15

Prescription Drugs Generic Formulary Non-Formulary

$2.50 15% 25%

$2.50 15% 25%

DENTAL BENEFITS PLAN PAYS PLAN PAYS

Dental Co-insurance Preventative & Basic Paid at 100%; Major Paid at 80%

Preventative & Basic Paid at 100%; Major Paid at 80%

Dental Maximum $2,000 per claimant $2,000 per claimant

Ortho Co-insurance Paid at 80% Paid at 80%

Ortho Lifetime Maximum $2,000 per claimant $2,000 per claimant

Dual Employed Benefit plan (2016-2017)


VRx — UsU’s pharmacy Benefit managerUSING YOUR ID CARD

To use your prescription benefit the pharmacy must have the information on your ID card with the VRx logo. Be sure to show them the card the first time you fill a prescription (for each member of the family). Also, it’s a good idea to have the card available each time you fill a prescription. The RxBIN (610245) and RxPCN (05780000) provided on your ID card is required from the pharmacy in order for claims to process.

USE A PARTICIPATING PHARMACY

RETAIL PHARMACY

The retail pharmacies you used last year are still available. Most retail pharmacies, including, Walgreens, Smith’s, Target and Walmart are contracted to allow you to fill a 30-day supply and up to a 90-day supply of maintenance medications.

MAIL ORDER PHARMACY

VRx offers the convenience of home delivery through our partnership with WelldyneRx. You will be able to enroll online through the VRx website as soon as your coverage begins. You may also contact a VRx Benefit Advocate for additional details at (855) 586-2569.

SPECIALTY PHARMACY

VRx has contracted with specialty pharmacies to meet the needs of members using specialty medications. If you are using a specialty medication, please contact a VRx Benefit Advocate for additional details at (855) 586-2569.

WEBSITE

In order to learn more about your benefits, visit www.myvrx.com. Register using your member ID located on your ID card and log into the secure member portal. You can find the following helpful information and tools on the website:

BENEFIT INFORMATION Mail Order Prescriptions Online Customer Support Prescription copay information Estimated drug costs Prescription claims history report Find a participating pharmacy Find a list of covered drugs as well as those that have special requirements

PROCESS MAIL ORDER PRESCRIPTIONS ONLINE Register for home delivery mail order View order status Request a refill

CUSTOMER SUPPORT View or print a copy of the VRx formulary Print a member reimbursement form Contact VRx

Using yOUR pREsCRiptiOn BEnEfit WitH WEllnEss & HigH pREmiUm plAns


The “Choice” HDHP medical plan with a Health Savings Account is not like the traditional High Premium or Wellness health insurance plans offered at USU. However, it may be a plan that works for you.

additional Information about the “Choice” High Deductible Health plan (HDHp) with a Health Savings account (HSa)The “Choice” High Deductible Health Plan (HDHP) is a zero premium (when choosing the Preferred ValueCare network), high-deductible plan combined with a Health Savings Account (HSA). The two go hand-in-hand. An HSA is a triple-tax-advantaged account where your contributions, account earnings, and qualified withdrawals are tax-free. Utah State University partners with HealthEquity, an industry leader in HSA administration.

If you select the “Choice” HDHP, there is no monthly premium when choosing the Preferred ValueCare network. The premium you save may be contributed to your HSA*. Not only will you save on premiums, but the money you put into your HSA account is controlled by you, and earns interest. HSA money belongs to you if you leave USU. You can make tax-free contributions to your HSA up to the HSA contribution limit of $3,350/single or $6,650/family. If you do not use the money, it continues to roll over each year.

The “Choice” HDHP encourages wellness, wise spending, and health-related savings.

Note: If you have “other coverage” such as coverage as a dependent on your partner’s or parent’s group policy, or if you are on Medicare, there are restrictions to opening an account and contributing to an HSA.

The $1,500 deductible is only for a single person on the HDHP plan. Once you have 2 or more persons on the medical plan your deductible is $3,000. All of the family members medical costs will add together to reach the deductible.

For more information, please contact the Office of Human Resources at (435) 797-0122.

Heard of HDHp and HsA?

*If you are age 65 or over and have medicare part A, you are not eligible to contribute to an HSA.


flexible spending Account - is it Right for you?*You Must Enroll Every Year*Utah State University offers employees a Flexible Spending Account (FSA) for both health expenses and dependent care expenses that are incurred during the plan year. Employees allocate a portion of monthly earnings, pre-tax, that can be used for health or dependent care expenses, which can result in substantial tax savings to employees who participate in the FSA.

• FlexMinder: FlexMinder can monitor your health plan expenses through Regence BCBS to identify claims with qualified out-of-pocket health care expenses that can be reimbursed from your health care FSA. You can then direct FlexMinder to prepare and submit FSA claims for the identified claim amounts. This can be done as frequently as you wish. You can also allow FlexMinder to “shoe-box” the identified claims throughout the year and then submit only once at the end of the plan year. To learn more and to sign up, log into your FSA account at ASIflex.com and click on the FlexMinder icon. • ASI Flex Mobile App: You can check your FSA account balance and file claims from your mobile device. The ASI Flex Mobile App is available at ASIflex.com, Google Play Store, or the App Store.

Note: If you elect the “Choice” HDHP, you are not eligible for the Medical Flex Spending Account, but you may sign up for the Dependent Care Account.

For a list of all eligible expenses, please go to ASIflex.com.

The current maximum amount you may set aside for health expenses is $2,550. Dependent care maximum amount is $5,000. A monthly administrative fee will be charged for all Flex spending accounts in the amount of $3.

To participate, you must sign up ANNUALLY online during open enrollment. To enroll go to enroll.asiflex.com and use the employer code USU. Remember that the money you set aside in your flexible spending account must be used within the same plan year.

MEDICAL AND DEPENDENT CARE FLEX SPENDING: Expenses may be incurred from July 1, 2016 through September 15, 2017.

Medical and dependent care receipts must be submitted for reimbursement by December 15, 2017.


the Hartford - life & Disability insurancesSUPPLEMENTAL LIFE INSURANCE: The open enrollment period is the time to purchase additional Supplemental Life Insurance for yourself or your dependents. If you are interested in Supplemental Life Insurance, you may purchase it from The Hartford Insurance Company.

SHORT-TERM DISABILITY INSURANCE: If you have not already purchased Short-term Disability Insurance, you have the opportunity to apply for it during open enrollment. This is a very inexpensive way to protect your income if you experience a short-term disability.

During open enrollment, The Hartford will send a letter to your home explaining the premiums and coverage you have and how to make changes online or request Supplemental Life Insurance or Short-term Disability Insurance.

You may be required to provide evidence of insurability for Supplemental Life Insurance and Short-term Disability Insurance which may include a health questionnaire or exam. The Hartford will communicate directly with you regarding additional information required once they receive your request.

Open enrollment is a good time to check beneficiary information on your life insurance policies.

These additional services are available at any time, not just during open enrollment. For more information, please contact the Office of Human Resources at (435) 797-0122.

• Employee Assistance Program called Ability Assist• Travel Assistance• Beneficiary Assistance (Assisting individuals when a family member dies)• Estate Guidance• Identity Theft Protection

the Hartford Offers additional Services to employees


metlaw Hyatt legal servicesWith MetLaw (the group legal plan made available by Hyatt Legal Plans, Inc., a MetLife company) you have access to a network of attorneys on retainer for a low monthly premium paid via payroll deduction. The monthly premium is $21.25. You will have access to legal services and representation from local attorneys on a wide range of matters including wills and estate planning, financial matters, real estate, traffic offenses (DUI not included), and more. There are no co-pays or deductibles. For example, you can have a local attorney prepare full estate planning documents for you and your spouse for just $21.25 per month. You may apply for MetLaw during the open enrollment period, May 2 – June 3, 2016. Once enrolled, you will be required to remain in the plan for the full benefit plan year. If you are already enrolled in the plan, your coverage will automatically renew unless you call during open enrollment to cancel. To enroll or learn more please call (800) 821-6400 or visit metlife.com/mybenefits.

If you have any questions, please call the Office of Human Resources at (435) 797-0122.

Zurich supplemental Accidental Death & Dismemberment insuranceDuring open enrollment, you may purchase Supplemental Accidental Death and Dismemberment (AD&D) Insurance from The Zurich Company.

If you purchase AD&D insurance from The Zurich Company, you will also have access to travel assistance insurance that offers medical, legal, and personal assistance when you are 10 or more miles from home. To sign up, go to hr.usu.edu, click on the open enrollment link, and select “Form” under Zurich. Print the form, fill it out, and return it to the Office of Human Resources, 8800 Old Main Hill, Logan, UT 84322-8800.

Note: By participating in the MetLaw® group legal plan, you are eligible for an additional discount on MetLife auto insurance of up to 10%. If you are currently enrolled you will need to call MetLife to have this additional discount applied. For more information call (800) GET-MET8 ((800) 438-6388).

17 enroll anytime

Healthsparq — A free tool to Compare Health Care Costs and find providersnow is the perfect time to try Healthsparq. With a new health plan year and deductible upon us, now is a perfect time to try HealthSparq - a medical shopping tool to find doctors, compare costs and connect with a doctor online. HealthSparq takes the guesswork out of important health care decisions and will save you time in the process. Whether you have an urgent need, want to schedule a routine exam or are looking for guidance on a bigger service, HealthSparq can help – anytime, anywhere and help you spend your health care dollars wisely.

Now, you can easily:

• Find doctors. Identify providers by medical specialty or facilities that specialize in the procedure you need. You can also filter by gender and network and sort by distance. • Compare costs. Calculate and compare the cost for office visits or medical treatments by providers who meet your criteria. • Get personalized estimates. Link your Regence health plan information to see your share of the cost for health care services, taking into account your deductible and other important plan details. • Read patient reviews. Ensure the providers you’re considering get top marks. Read reviews by actual patients. • Set up medical appointments. The Health Care Advisors can quickly and easily set up medical appointments for you, saving you the trouble. • Get a medical bill check up. Our partner, CoPatient, will review your medical bills for free and alert you to any savings opportunities. Learn more at copatient.com/usu.

HealthSparq also provides you access to MDLive. You now have a convenient and affordable way to connect with a doctor on your schedule. MDLive lets you consult with a board-certified doctor online or over the phone, 24 hours a day, 7 days a week, even holidays. Best of all, this service only requires a $10 co-pay. Get started by visiting mdlive.com/usu.

Get started now:

• Visit HealthSparq while at home or in your office, in your doctor’s lobby or at your child’s school. Visit mysmarterhealthchoices.com/USU • Connect with a Health Care Advisor – a health care expert - who can help you find convenient, high-quality health care at the best price and help you navigate the tangled world of health care. They are available Monday through Friday 7 a.m.– 5 p.m. Pacific Time at (866) 228-7001 by phone or by chat.

mDlive

enroll anytime 19

metlife Auto and Home insuranceWith one call, you can receive quotes from two leading insurance companies, MetLife and Safeco, for top-quality auto and home insurance with special discounts. These programs were designed especially for employees of USU. In addition to special discounts and flexible payment options, find out how you can: • Save more when you insure multiple cars or purchase both home and auto policies. • Receive discounts for having a good driving record and driving a safe car. • Choose from convenient and affordable payment options, including payroll deduction for employees. Since everyone’s insurance policies renew at different times during the year, you may apply for auto and home insurance through this group program at any time by calling (877) 638-7515.

Note: By participating in the MetLife auto insurance policy program, you are eligible for an additional discount on the MetLaw® group legal plan of up to 10%. If you are currently enrolled you will need to call MetLaw to have this discount applied. For more information please call (800) GET-MET8 ((800) 438-6388).

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19 enroll anytime

Employee Wellness at UsU “Be Well”

The goal of the USU Wellness Program is to support and enhance the health and wellness of employees and their families by building partnerships and programs. We encourage employees to adopt healthy lifestyle behaviors that support a work/life balance, increase work satisfaction, and reduce health care costs. We are striving to create a wellness culture at USU. Many services are offered at no charge. Please visit our website for more details: wellness.usu.edu, call (435) 797-8391, or email [email protected].

USU Be Well Rewards is an exciting new incentive program that rewards employees of Utah State University for taking an active role in their personal well-being. Through the USU Be Well Rewards program, all benefit eligible employees can earn cash rewards each semester. For more information and to register, please visit the USU Be Well Rewards website at wellness.usu.edu/rewards/index.

fitness programsWellness programs nutrition programs• Health Risk Assessments• Health Screenings, Expos & Flu Shots • Wellness Challenges • Wellness Ambassadors• Be Well Newsletter

• Fitness Assessments• Fitness Classes• Personal Training• Tuition Free Course Auditing• Employee Wellness Center• Weight Loss Challenges• Employee Challenges

• Nutrition Consultations • Nutritional Information/Tips• Weight Watchers @ Work • Be Well Library • Healthy Tips & Tidbits

UsU Be Well Rewards program

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employer-funded retirement planRetirement savings plans & providers

• USU contributes to a defined contribution retirement plan for faculty and exempt staff. Employees choose how this money is allocated.

• For employees enrolled in Utah Retirement System, the University contributes toward a defined benefit pension with an additional percentage to a 401(k) plan. Employees choose how the 401(k) contribution is allocated.

Open enrollment is a good time to check beneficiary information on your retirement plans.

OneExchange is a trusted advisor of thousands of Medicare eligible people. We are pleased to have the opportunity to offer OneExchange to help you make an informed and confident decision as you evaluate your Medicare coverage options. Health care decisions are important, and making the right choice can be difficult. It’s the goal of OneExchange to make the process easier for you.

As the country’s largest private Medicare marketplace, OneExchange offers individual Medicare plans from over 75 national and regional insurance carriers. They are not an insurance company. They are a resource that gives you access to a wide variety of Medicare Advantage, Medigap (also known as Medicare Supplement) and Part D prescription drug plans from the nation’s leading health insurers.

Confused about Medicare options? Call OneExchange for a personalized assessment.

For more information, you may go to: medicare.oneexchange.com or call (866) 322-2824.

OneExchange from towers Watsonneed Help with medicare?

available to anyone who retires from USU and is Medicare Eligible

21 enroll anytime

Employee Retirement Contribution forms, are available at: hr.usu.edu/forms

Retirement savings plans & providers (continued)

employees may contribute to a supplemental retirement plan via payroll deduction. the following four supplemental plans are available:

403(b)

401(k)

457(b)

Roth 403(b)

• Contributions are made pre-tax (this reduces an employee’s taxable income).• Current maximum annual contribution limit is $18,000 or $24,000 if age 50 or older.• Withdrawals can be made upon termination or at age 59 ½. Withdrawls are subject to taxes. • Withdrawals prior to age 59 ½ are subject to a 10% penalty.

• Contributions are made pre-tax (this reduces an employee’s taxable income).• Current maximum annual contribution limit is $18,000 or $24,000 if age 50 or older.• Withdrawals can be made upon termination or at age 59 ½. Withdrawls are subject to taxes. • Withdrawals prior to age 59 ½ are subject to a 10% penalty.

Form Names: • Employee Pre-Tax Retirement Contribution (401k and 403b) • Employee Pre-Tax Retirement Contribution (457) • Employee Post-Tax Retirement Contribution (Roth 403b)

• Contributions are made pre-tax (this reduces an employee’s taxable income).• Current maximum annual contribution limit is $18,000 or $24,000 if age 50 or older.• Withdrawals can be made upon termination. Withdrawls are subject to taxes.

• Contributions are made post-tax.• Current maximum annual contribution limit is $18,000 or $24,000 if age 50 or older.• Withdrawals can be made upon termination or at age 59 ½. Withdrawals can be made prior to age 59 ½ as long as the person has participated for 5 or more years, but will be subject to a 10% penalty.

enroll anytime 22

Retirement savings plans & providers (continued)

Retirement Healthcare savings plan (RHsp)The retirement health care savings plan allows you to contribute to a trust that can help you pay for qualified health care expenses in retirement or when you leave USU. The plan is administered by TIAA. You can choose to put your money into lifecycle or money market funds.

Because of its many tax-advantaged features, a retirement health care savings plan is valuable to anyone concerned about health care costs in retirement. You can contribute as much as you like to the RHSP using post-tax money, and your contributions grow tax-free. Then, when you leave USU, the funds you use for qualified health care expenses can be withdrawn tax-free.

To set up your retirement health care savings plan, contact the Office of Human Resources at (435) 797-0122.

Contact information for the retirement plan providers: • TIAA: tiaa.org/tcm/utahstate • Fidelity: fidelity.com • URS: urs.org • Principal Financial: principal.com • Valic: valic.com

403(b) Providers

TIAA Fidelity Investments

401(k) Providers

URSPrincipal Financial

Roth 403(b) Providers

TIAA Fidelity Investments

457(b) Providers

TIAAFidelity Investments

URSValic

23

Where can i get more information?MEDICAL • Regence BCBS: regence.com, (866) 240-9580 • ASI Flex: asiflex.com, (800) 659-3035 • VRx: myvrx.com, (855) 586-2569, [email protected] • HealthSparq: access.healthsparq.com/client/usu, (866) 228-7001 • Health Equity (HSA): healthequity.com, (866) 346-5800

RETIREMENT • TIAA: tiaa.org/tcm/utahstate, (866) 842-2907 • Fidelity Investments: fidelity.com, (800) 343-0860 • URS: urs.org, (801) 366-7770 • Principal Financial: principal.com, (800) 986-3343 • Valic: valic.com, (877) 268-2434

VOLUNTARY • MetLife: metlife.com/mybenefits, (800) 438-6388 • Hyatt Legal/MetLaw: metlife.com/mybenefits, (800) 821-6400 • Hartford Insurance Co: (888) 541-8105 (Secova Service Center) • Zurich AD&D: zurichna.com • OneExchange: medicare.oneexchange.com, (866) 322-2824

Disclaimer statement:Information provided in this booklet is a brief summary and should not be relied upon as complete information. Please refer to the plan documents for detailed information on eligibility, covered benefits, exclusions and limitations, and other important information. These documents are available on the Office of Human Resources website at hr.usu.edu or you may call (435) 797-0122 for more information.

Utah State University is an affirmative action/equal opportunity institution.

Office of Human Resources, (435) 797-0122, or visit us at 700 North and 1200 East on the Logan, Utah campus