2016 RETIREE GUIDEBOOK TO BENEFITS OPEN ENROLLMENT
THE UNIVERSITY HR SERVICE TEAMmdashWErsquoRE HERE TO HELP During Open Enrollment you may require additional support to help understand your benefits choices The University HR Service Team your in-house benefits specialists receives triple the normal call volume during the Open Enrollment period Therefore to ensure continuous high-quality service and fast response times we have enlisted an off-site service team from Oct 26 ndash Nov 13 The auxiliary staff will confidently handle your 2016 benefits questions and process elections over the phone
Log into My Benefits on the Cardinal at Work website (httpcawstanfordedu my-benefits) Submit an online form or chat live with a specialist
Or Call 877-905-2985 or 650-736-2985
Contents
Start Planning 3
DISCOVER Whatrsquos Happening in 2016 4
Whatrsquos Staying the Same for Retirees under 65 4
Whatrsquos Changing for Retirees under 65 5
2016 Benefits Updates for Retirees over 656
EXPLORE 4 Ways to Tour Open Enrollment Information 7
Benefits Fairs 9
Information Sessions 9
FINDING YOUR WAY Common Questions 10
DESTINATION Cardinal at Work 12
Start Planning
Mark your calendar for Open Enrollment the annual opportunity for you to make health benefits changes and to add or drop coverage for eligible dependents And be sure to bookmark the Cardinal at Work website your new online destination for benefits-related information
October 26 through November 13
Even if yoursquore happy with your elections from last year itrsquos always a good practice to review and confirm that yoursquove signed up for the right plan for you and your family If you choose not to take action coverage will either ldquoroll overrdquo or default into a new plan So take the time to review your options otherwise yoursquoll have to wait until the next Open Enrollment period to make changes unless you experience a qualified life event (such as getting married changing job status etc)
The cost of coverage will reflect the 2016 contribution amounts Also if you are not enrolled in Medicare and have a Health Savings Account (HSA) you may set it up directly with HealthEquity Blue Shieldrsquos financial partner or with a financial institution of your choice to set aside tax-deductible funds for future health care expenses
What
When
Why
Joe Knox Customer Experience SpecialistStanford Web Services
ATTENTION
The Blue Shield PPO is being discontinued so you may select a new plan during Open Enrollment or be defaulted into the Blue Shield Healthcare + Savings Plan For more information see page 5
cardinalatworkstanfordedu | 2016 Retiree Guidebook to Benefits Open Enrollment 3
DISCOVERWhatrsquos Happening in 2016
WHATrsquoS STAYING THE SAME FOR RETIREES UNDER 65Here are the plans and options Stanford will continue to offer in 2016
Health Plan Options
We know having options is important In 2016 if you are a pre-65 retiree and not enrolled in Medicare yoursquoll still have several plans to choose from including the Blue Shield EPO the Blue Shield Healthcare + Savings Plan (formerly the Blue Shield High Deductible Health Plan) as well as the Kaiser HMO and the Stanford Health Care Alliance (SHCA) plan
Dental
Good dental care contributes to your overall health and wellness and will continue to be part of our comprehensive health care benefits
Mental Health A healthy body also needs a healthy mind Yoursquoll continue to receive expanded access to out-of-network outpatient mental health providers for the Blue Shield EPO Blue Shield Healthcare + Savings and SHCA plans
BeWell Incentive ProgramTo encourage healthy lifestyle behaviors the BeWell program will continue to offer retirees the opportunity to participate in limited programs at a reduced cost including the Stanford Health and Lifestyle Assessment (SHALA)
4 2016 Retiree Guidebook to Benefits Open Enrollment | cardinalatworkstanfordedu
WHATrsquoS CHANGING FOR RETIREES UNDER 65The plan changes for 2016 are comparable to previous annual benefit changes and include increases to health plan costs deductibles and out-of-pocket maximums and co-pays for office visits prescription drugs and other services Here are highlights of the changes
Changes Details
Health Plans
Blue Shield PPO plan is discontinued
bull The PPO Plan is being discontinued so current members will have an opportunity to elect a new plan during Open Enrollment
bull If you choose to do nothing yoursquoll be defaulted into the Blue Shield Healthcare + Savings Plan (formerly the High Deductible Health Plan)
Kaiser HMO
bull This plan is no longer the lowest-price plan
Stanford Health Care Alliance (SHCA)
bull This plan is now the lowest-price plan
bull SHCArsquos administrator is changing from Blue Shield to Aetna
bull Plan members will receive new ID cards by January 1 2016
bull Plan members should check the SHCA website at httpstanfordheathcareallianceorg for a list of in-network providers
Blue Shield Healthcare + Savings Plan (formerly the High Deductible Health Plan)
bull The Blue Shield High Deductible Health Plan (HDHP) is now called the Blue Shield Healthcare + Savings Plan
bull The plan design hasnrsquot changed only the name which better aligns with the Health Savings Account (HSA) You may set up an HSA directly with HealthEquity Blue Shieldrsquos financial partner or with a financial institution of your choice to set aside tax-deductible funds to help offset eligible health care expenses
This plan pays 80 of covered costs in network and 60 out of network after yoursquove paid the deductible
Deductibles $1750 individual $3500 family
Out-of-pocket maximum expenses $3750 individual $7500 family
Covered Service Charge Gender Reassignment
bull Gender reassignment procedure coverage has been extended to the Blue Shield EPO Blue Shield Healthcare + Savings and Stanford Health Care Alliance plans Previously Kaiser was the only plan to offer this coverage
TRAILING STORY LABEL
cardinalatworkstanfordedu | 2016 Retiree Guidebook to Benefits Open Enrollment 5
DISCOVER WHATrsquoS HAPPENING IN 2016
Changes Details
Vision CareVSP Vision Care mdash NEW
bull Retirees now have access to vision care which includes annual eye exams contact lenses andor frames
Health Savings Account (HSA)
bull The HSA maximum limit for families is increasing to $6750
Long-Term Care (LTC) Insurance
bull Starting October 1 2015 CNA Insurance Company discontinued LTC coverage and is no longer our LTC insurance provider Stanfordrsquos new LTC insurance provider Genworth is not making LTC available to retirees
Retirees that elected LTC coverage by Sept 30 2015 may continue coverage with CNA Stanfordrsquos former LTC provider
For policies purchased by Sept 30 CNA will continue to manage LTC direct billing and customer service Please call 800-523-4582 (5 am - 3 pm ET) to speak to a representative
bull If you are a current active employee planning to retire you should consider getting LTC coverage now as LTC insurance will no longer be offered as a benefit once you retire
2016 BENEFITS UPDATES FOR RETIREES OVER 65
Health Plan Options
Retirees enrolled in Medicare may still choose from the following Medicare Advantage Plans
bull Health Net Seniority Plus
bull Kaiser Senior Advantagebull United Healthcare Group
Medicare Advantage
Medicare Supplement Plans including
bull Blue Shield Retiree Medical Plan
bull United Healthcare Senior Supplementbull HealthNet COB
Vision Care (NEW)
Vision care benefits through VSP Vision Care will be offered in 2016 which includes annual eye exams contact lenses andor frames
Long-Term Care (LTC) Insurance
Starting October 1 2015 CNA Insurance Company discontinued LTC coverage and is no longer our LTC insurance provider Stanfordrsquos new LTC insurance provider Genworth is not making LTC available to retirees
Retirees that elected LTC coverage by Sept 30 2015 may continue coverage with CNA Please call 800-523-4582 (5 am ndash 3 pm ET) to speak to a representative
Dental Good dental care contributes to your overall health and wellness and continues to be part of our comprehensive health care offerings
TRAILING STORY LABEL
6 2016 Retiree Guidebook to Benefits Open Enrollment | cardinalatworkstanfordedu
DISCOVER WHATrsquoS HAPPENING IN 2016
EXPLOREFour Ways to Tour Open Enrollment Information
1 Attend a Benefits Open Enrollment Event
See page 9 for the schedule of fairs and information sessions For Open Enrollment event updates visit httpcardinalatworkstanfordeduOpenEnrollment
cardinalatworkstanfordedu | 2016 Retiree Guidebook to Benefits Open Enrollment 7
2 Compare Plans Using Online Tools
Want to take a closer look at the plan options and see how they differ We have a few tools to help you compare plans
Comparison ToolThis tool provides high-level information on plan options allowing you to compare how medical and dental plans cover various services No authentication is required to view the Comparison Tool
Health Plan EvaluatorTo access this robust tool log into My Benefits (Authentication is required) The Evaluator tool provides a more detailed estimate on your total out-of-pocket costs based on data you input including plan options estimated health care claims for yourself and covered dependents prescription drugs and other key information
Contribution Rate SummaryThis tool allows you to review and compare plan costs based on the following plan options
bull Retiree-only
bull Retiree + spouse registered domestic partner
bull Retiree + children
bull Retiree + family
Visit httpcardinalatworkstanfordedu OpenEnrollment to compare plans today
3 Review the Common Questions
See page 10 for the questions and find other benefits resources online
4 Log Into My Benefits To Enroll Starting Oct 26
Log into My Benefits (httpcawstanfordedu my-benefits) to get started
EXPLORE FOUR WAYS TO TOUR OPEN ENROLLMENT INFORMATION
8 2016 Retiree Guidebook to Benefits Open Enrollment | cardinalatworkstanfordedu
Open Enrollment Events
The following events have been scheduled to provide you more information about your retiree health plan options
BENEFITS FAIRMeet representatives from more than a dozen Stanford plan providers to learn more about their services
Date Time Location
Wednesday October 28 11 am ndash 200 pm Tresidder Memorial Union Oak Lounge West
INFORMATION SESSIONJoin our benefits experts in an hour-long session to learn more about 2016 health plans including details of whatrsquos changing and whatrsquos staying the same
Date Time Location
Wednesday October 28 1130 am ndash 1230 pm Tresidder Memorial Union Oak Lounge East
WEBINARThis online seminar presented by our benefits experts will walk you through the changes you can expect in 2016
Date Time Location
Tuesday November 3 11 am ndash 12 pm Log into httpstanfordbluejeanscom and enter Meeting ID 968022205
cardinalatworkstanfordedu | 2016 Retiree Guidebook to Benefits Open Enrollment 9
EXPLORE FOUR WAYS TO TOUR OPEN ENROLLMENT INFORMATION
FINDING YOUR WAY
Common Questions
Q If Irsquom a current Blue Shield PPO member what steps must I take during Open Enrollment
A Because the Blue Shield PPO plan is being discontinued you have two options
1 Review and elect a new plan (Blue Shield EPO Blue Shield Healthcare + Savings Stanford Health Care Alliance or Kaiser)
2 Should you choose not take any action you will automatically be enrolled in the Blue Shield Healthcare + Savings Plan which is the high deductible plan With this plan you may have a Health Savings Account (HSA) which is an account used to pay for health care costs on a post-tax basis You may sign up for an HSA by contacting HealthEquity Blue Shieldrsquos financial partner or going through another financial institution of your choice NOTE You may only sign up for an HSA if you are not enrolled in Medicare
Q Why was the Blue Shield PPO discontinued
A Stanford elected to remove the PPO plan choice due to cost Over the years the
Blue Shield PPO plan has continued to be the most expensive plan offered by the university for what retirees pay in premiums as well as what the university pays in administrative costs Additionally when looking ahead at the Affordable Care Act (ACA) excise ldquoCadillacrdquo tax to be implemented in 2018 the PPO plan is already too expensive to maintain under the current ACA thresholds
Q Why is Kaiser no longer the lowest-price plan
A In 2015 Kaiser and SHCA were both priced the same For the 2016 plan year Kaiserrsquos
proposed increase was higher than that of SHCA so the Kaiser plan is no longer the lowest-price option
10 2016 Retiree Guidebook to Benefits Open Enrollment | cardinalatworkstanfordedu
Q What are some things I can do to help me save on health care costs
A Some actions you can take to help defray costs are
Preventive CareTo stay on the healthy track be sure to take advantage of preventive care such as annual exams Preventive care is free under all of the plans as long as you stay in network
Choose generic vs brand name prescriptionsSave money on prescriptions by requesting generic or lower-cost versions of the medicine you need and by taking advantage of mail-order programs
Use urgent care facilities and limit emergency room visitsDonrsquot run to the emergency room for needs that are better suited to a doctorrsquos office or an urgent care clinic Also take advantage of your medical planrsquos advice nurse
If you choose the Blue Shield Healthcare + Savings plan stay in network and sign up for a Health Savings Account (HSA)The HSA allows you to set aside tax-deductible funds for future health care expenses on a post-tax basis The HSA may be set up directly through HealthEquity Blue Shieldrsquos financial partner or an financial institution of your choice
Note You may only sign up for an HSA if you are not enrolled in Medicare
Q As a retiree do I have access to Stanford Coordinated Care (SCC)
A Stanford Coordinated Care (SCC) is designed to provide current pre-65 active employees and their adult dependents support to manage ongoing health conditions SCC is not fully Medicare
approved and therefore is unavailable to retirees through the offered Medicare plans Once you transition to a Medicare plan SCC services are no longer available
2016 MEDICAL CONTRIBUTION RATESRetirees will receive a worksheet that outlines what they are eligible for and what it costs from Stanford Benefits in mid-October
To view dental vision and other health plan rates visit httpcardinalatworkstanfordeduOpenEnrollment
cardinalatworkstanfordedu | 2016 Retiree Guidebook to Benefits Open Enrollment 11
FINDING YOUR WAY COMMON QUESTIONS
Cardinal at Work is the new online destination for all employee-related information brought to you by University Human Resources As a retiree here are highlights of what yoursquoll experience
Benefits amp RewardsThis section is your one-stop destination for health and other benefits-related content Select ldquoMy Offeringsrdquo in the dropdown menu and choose ldquoRetireerdquo to find all the benefits and rewards available to you This is also the section where yoursquoll log into My Benefits to make your Open Enrollment elections
Learn amp GrowIn this section yoursquoll find information about the Tuition Grant Program (TGP)
ConnectIn this section yoursquoll find ways you can stay connected with the university including newsletters and other publications social channels video events and more
DESTINATION
Cardinal at Work
3160 Porter Drive Suite 250 Palo Alto CA 94304-8443
FIRST-CLASS MAIL
PRESORTED
US POSTAGE PAID
PALO ALTO CA
PERMIT NO 28
12 2016 Retiree Guidebook to Benefits Open Enrollment | cardinalatworkstanfordedu
THE UNIVERSITY HR SERVICE TEAMmdashWErsquoRE HERE TO HELP During Open Enrollment you may require additional support to help understand your benefits choices The University HR Service Team your in-house benefits specialists receives triple the normal call volume during the Open Enrollment period Therefore to ensure continuous high-quality service and fast response times we have enlisted an off-site service team from Oct 26 ndash Nov 13 The auxiliary staff will confidently handle your 2016 benefits questions and process elections over the phone
Log into My Benefits on the Cardinal at Work website (httpcawstanfordedu my-benefits) Submit an online form or chat live with a specialist
Or Call 877-905-2985 or 650-736-2985
Contents
Start Planning 3
DISCOVER Whatrsquos Happening in 2016 4
Whatrsquos Staying the Same for Retirees under 65 4
Whatrsquos Changing for Retirees under 65 5
2016 Benefits Updates for Retirees over 656
EXPLORE 4 Ways to Tour Open Enrollment Information 7
Benefits Fairs 9
Information Sessions 9
FINDING YOUR WAY Common Questions 10
DESTINATION Cardinal at Work 12
Start Planning
Mark your calendar for Open Enrollment the annual opportunity for you to make health benefits changes and to add or drop coverage for eligible dependents And be sure to bookmark the Cardinal at Work website your new online destination for benefits-related information
October 26 through November 13
Even if yoursquore happy with your elections from last year itrsquos always a good practice to review and confirm that yoursquove signed up for the right plan for you and your family If you choose not to take action coverage will either ldquoroll overrdquo or default into a new plan So take the time to review your options otherwise yoursquoll have to wait until the next Open Enrollment period to make changes unless you experience a qualified life event (such as getting married changing job status etc)
The cost of coverage will reflect the 2016 contribution amounts Also if you are not enrolled in Medicare and have a Health Savings Account (HSA) you may set it up directly with HealthEquity Blue Shieldrsquos financial partner or with a financial institution of your choice to set aside tax-deductible funds for future health care expenses
What
When
Why
Joe Knox Customer Experience SpecialistStanford Web Services
ATTENTION
The Blue Shield PPO is being discontinued so you may select a new plan during Open Enrollment or be defaulted into the Blue Shield Healthcare + Savings Plan For more information see page 5
cardinalatworkstanfordedu | 2016 Retiree Guidebook to Benefits Open Enrollment 3
DISCOVERWhatrsquos Happening in 2016
WHATrsquoS STAYING THE SAME FOR RETIREES UNDER 65Here are the plans and options Stanford will continue to offer in 2016
Health Plan Options
We know having options is important In 2016 if you are a pre-65 retiree and not enrolled in Medicare yoursquoll still have several plans to choose from including the Blue Shield EPO the Blue Shield Healthcare + Savings Plan (formerly the Blue Shield High Deductible Health Plan) as well as the Kaiser HMO and the Stanford Health Care Alliance (SHCA) plan
Dental
Good dental care contributes to your overall health and wellness and will continue to be part of our comprehensive health care benefits
Mental Health A healthy body also needs a healthy mind Yoursquoll continue to receive expanded access to out-of-network outpatient mental health providers for the Blue Shield EPO Blue Shield Healthcare + Savings and SHCA plans
BeWell Incentive ProgramTo encourage healthy lifestyle behaviors the BeWell program will continue to offer retirees the opportunity to participate in limited programs at a reduced cost including the Stanford Health and Lifestyle Assessment (SHALA)
4 2016 Retiree Guidebook to Benefits Open Enrollment | cardinalatworkstanfordedu
WHATrsquoS CHANGING FOR RETIREES UNDER 65The plan changes for 2016 are comparable to previous annual benefit changes and include increases to health plan costs deductibles and out-of-pocket maximums and co-pays for office visits prescription drugs and other services Here are highlights of the changes
Changes Details
Health Plans
Blue Shield PPO plan is discontinued
bull The PPO Plan is being discontinued so current members will have an opportunity to elect a new plan during Open Enrollment
bull If you choose to do nothing yoursquoll be defaulted into the Blue Shield Healthcare + Savings Plan (formerly the High Deductible Health Plan)
Kaiser HMO
bull This plan is no longer the lowest-price plan
Stanford Health Care Alliance (SHCA)
bull This plan is now the lowest-price plan
bull SHCArsquos administrator is changing from Blue Shield to Aetna
bull Plan members will receive new ID cards by January 1 2016
bull Plan members should check the SHCA website at httpstanfordheathcareallianceorg for a list of in-network providers
Blue Shield Healthcare + Savings Plan (formerly the High Deductible Health Plan)
bull The Blue Shield High Deductible Health Plan (HDHP) is now called the Blue Shield Healthcare + Savings Plan
bull The plan design hasnrsquot changed only the name which better aligns with the Health Savings Account (HSA) You may set up an HSA directly with HealthEquity Blue Shieldrsquos financial partner or with a financial institution of your choice to set aside tax-deductible funds to help offset eligible health care expenses
This plan pays 80 of covered costs in network and 60 out of network after yoursquove paid the deductible
Deductibles $1750 individual $3500 family
Out-of-pocket maximum expenses $3750 individual $7500 family
Covered Service Charge Gender Reassignment
bull Gender reassignment procedure coverage has been extended to the Blue Shield EPO Blue Shield Healthcare + Savings and Stanford Health Care Alliance plans Previously Kaiser was the only plan to offer this coverage
TRAILING STORY LABEL
cardinalatworkstanfordedu | 2016 Retiree Guidebook to Benefits Open Enrollment 5
DISCOVER WHATrsquoS HAPPENING IN 2016
Changes Details
Vision CareVSP Vision Care mdash NEW
bull Retirees now have access to vision care which includes annual eye exams contact lenses andor frames
Health Savings Account (HSA)
bull The HSA maximum limit for families is increasing to $6750
Long-Term Care (LTC) Insurance
bull Starting October 1 2015 CNA Insurance Company discontinued LTC coverage and is no longer our LTC insurance provider Stanfordrsquos new LTC insurance provider Genworth is not making LTC available to retirees
Retirees that elected LTC coverage by Sept 30 2015 may continue coverage with CNA Stanfordrsquos former LTC provider
For policies purchased by Sept 30 CNA will continue to manage LTC direct billing and customer service Please call 800-523-4582 (5 am - 3 pm ET) to speak to a representative
bull If you are a current active employee planning to retire you should consider getting LTC coverage now as LTC insurance will no longer be offered as a benefit once you retire
2016 BENEFITS UPDATES FOR RETIREES OVER 65
Health Plan Options
Retirees enrolled in Medicare may still choose from the following Medicare Advantage Plans
bull Health Net Seniority Plus
bull Kaiser Senior Advantagebull United Healthcare Group
Medicare Advantage
Medicare Supplement Plans including
bull Blue Shield Retiree Medical Plan
bull United Healthcare Senior Supplementbull HealthNet COB
Vision Care (NEW)
Vision care benefits through VSP Vision Care will be offered in 2016 which includes annual eye exams contact lenses andor frames
Long-Term Care (LTC) Insurance
Starting October 1 2015 CNA Insurance Company discontinued LTC coverage and is no longer our LTC insurance provider Stanfordrsquos new LTC insurance provider Genworth is not making LTC available to retirees
Retirees that elected LTC coverage by Sept 30 2015 may continue coverage with CNA Please call 800-523-4582 (5 am ndash 3 pm ET) to speak to a representative
Dental Good dental care contributes to your overall health and wellness and continues to be part of our comprehensive health care offerings
TRAILING STORY LABEL
6 2016 Retiree Guidebook to Benefits Open Enrollment | cardinalatworkstanfordedu
DISCOVER WHATrsquoS HAPPENING IN 2016
EXPLOREFour Ways to Tour Open Enrollment Information
1 Attend a Benefits Open Enrollment Event
See page 9 for the schedule of fairs and information sessions For Open Enrollment event updates visit httpcardinalatworkstanfordeduOpenEnrollment
cardinalatworkstanfordedu | 2016 Retiree Guidebook to Benefits Open Enrollment 7
2 Compare Plans Using Online Tools
Want to take a closer look at the plan options and see how they differ We have a few tools to help you compare plans
Comparison ToolThis tool provides high-level information on plan options allowing you to compare how medical and dental plans cover various services No authentication is required to view the Comparison Tool
Health Plan EvaluatorTo access this robust tool log into My Benefits (Authentication is required) The Evaluator tool provides a more detailed estimate on your total out-of-pocket costs based on data you input including plan options estimated health care claims for yourself and covered dependents prescription drugs and other key information
Contribution Rate SummaryThis tool allows you to review and compare plan costs based on the following plan options
bull Retiree-only
bull Retiree + spouse registered domestic partner
bull Retiree + children
bull Retiree + family
Visit httpcardinalatworkstanfordedu OpenEnrollment to compare plans today
3 Review the Common Questions
See page 10 for the questions and find other benefits resources online
4 Log Into My Benefits To Enroll Starting Oct 26
Log into My Benefits (httpcawstanfordedu my-benefits) to get started
EXPLORE FOUR WAYS TO TOUR OPEN ENROLLMENT INFORMATION
8 2016 Retiree Guidebook to Benefits Open Enrollment | cardinalatworkstanfordedu
Open Enrollment Events
The following events have been scheduled to provide you more information about your retiree health plan options
BENEFITS FAIRMeet representatives from more than a dozen Stanford plan providers to learn more about their services
Date Time Location
Wednesday October 28 11 am ndash 200 pm Tresidder Memorial Union Oak Lounge West
INFORMATION SESSIONJoin our benefits experts in an hour-long session to learn more about 2016 health plans including details of whatrsquos changing and whatrsquos staying the same
Date Time Location
Wednesday October 28 1130 am ndash 1230 pm Tresidder Memorial Union Oak Lounge East
WEBINARThis online seminar presented by our benefits experts will walk you through the changes you can expect in 2016
Date Time Location
Tuesday November 3 11 am ndash 12 pm Log into httpstanfordbluejeanscom and enter Meeting ID 968022205
cardinalatworkstanfordedu | 2016 Retiree Guidebook to Benefits Open Enrollment 9
EXPLORE FOUR WAYS TO TOUR OPEN ENROLLMENT INFORMATION
FINDING YOUR WAY
Common Questions
Q If Irsquom a current Blue Shield PPO member what steps must I take during Open Enrollment
A Because the Blue Shield PPO plan is being discontinued you have two options
1 Review and elect a new plan (Blue Shield EPO Blue Shield Healthcare + Savings Stanford Health Care Alliance or Kaiser)
2 Should you choose not take any action you will automatically be enrolled in the Blue Shield Healthcare + Savings Plan which is the high deductible plan With this plan you may have a Health Savings Account (HSA) which is an account used to pay for health care costs on a post-tax basis You may sign up for an HSA by contacting HealthEquity Blue Shieldrsquos financial partner or going through another financial institution of your choice NOTE You may only sign up for an HSA if you are not enrolled in Medicare
Q Why was the Blue Shield PPO discontinued
A Stanford elected to remove the PPO plan choice due to cost Over the years the
Blue Shield PPO plan has continued to be the most expensive plan offered by the university for what retirees pay in premiums as well as what the university pays in administrative costs Additionally when looking ahead at the Affordable Care Act (ACA) excise ldquoCadillacrdquo tax to be implemented in 2018 the PPO plan is already too expensive to maintain under the current ACA thresholds
Q Why is Kaiser no longer the lowest-price plan
A In 2015 Kaiser and SHCA were both priced the same For the 2016 plan year Kaiserrsquos
proposed increase was higher than that of SHCA so the Kaiser plan is no longer the lowest-price option
10 2016 Retiree Guidebook to Benefits Open Enrollment | cardinalatworkstanfordedu
Q What are some things I can do to help me save on health care costs
A Some actions you can take to help defray costs are
Preventive CareTo stay on the healthy track be sure to take advantage of preventive care such as annual exams Preventive care is free under all of the plans as long as you stay in network
Choose generic vs brand name prescriptionsSave money on prescriptions by requesting generic or lower-cost versions of the medicine you need and by taking advantage of mail-order programs
Use urgent care facilities and limit emergency room visitsDonrsquot run to the emergency room for needs that are better suited to a doctorrsquos office or an urgent care clinic Also take advantage of your medical planrsquos advice nurse
If you choose the Blue Shield Healthcare + Savings plan stay in network and sign up for a Health Savings Account (HSA)The HSA allows you to set aside tax-deductible funds for future health care expenses on a post-tax basis The HSA may be set up directly through HealthEquity Blue Shieldrsquos financial partner or an financial institution of your choice
Note You may only sign up for an HSA if you are not enrolled in Medicare
Q As a retiree do I have access to Stanford Coordinated Care (SCC)
A Stanford Coordinated Care (SCC) is designed to provide current pre-65 active employees and their adult dependents support to manage ongoing health conditions SCC is not fully Medicare
approved and therefore is unavailable to retirees through the offered Medicare plans Once you transition to a Medicare plan SCC services are no longer available
2016 MEDICAL CONTRIBUTION RATESRetirees will receive a worksheet that outlines what they are eligible for and what it costs from Stanford Benefits in mid-October
To view dental vision and other health plan rates visit httpcardinalatworkstanfordeduOpenEnrollment
cardinalatworkstanfordedu | 2016 Retiree Guidebook to Benefits Open Enrollment 11
FINDING YOUR WAY COMMON QUESTIONS
Cardinal at Work is the new online destination for all employee-related information brought to you by University Human Resources As a retiree here are highlights of what yoursquoll experience
Benefits amp RewardsThis section is your one-stop destination for health and other benefits-related content Select ldquoMy Offeringsrdquo in the dropdown menu and choose ldquoRetireerdquo to find all the benefits and rewards available to you This is also the section where yoursquoll log into My Benefits to make your Open Enrollment elections
Learn amp GrowIn this section yoursquoll find information about the Tuition Grant Program (TGP)
ConnectIn this section yoursquoll find ways you can stay connected with the university including newsletters and other publications social channels video events and more
DESTINATION
Cardinal at Work
3160 Porter Drive Suite 250 Palo Alto CA 94304-8443
FIRST-CLASS MAIL
PRESORTED
US POSTAGE PAID
PALO ALTO CA
PERMIT NO 28
12 2016 Retiree Guidebook to Benefits Open Enrollment | cardinalatworkstanfordedu
Start Planning
Mark your calendar for Open Enrollment the annual opportunity for you to make health benefits changes and to add or drop coverage for eligible dependents And be sure to bookmark the Cardinal at Work website your new online destination for benefits-related information
October 26 through November 13
Even if yoursquore happy with your elections from last year itrsquos always a good practice to review and confirm that yoursquove signed up for the right plan for you and your family If you choose not to take action coverage will either ldquoroll overrdquo or default into a new plan So take the time to review your options otherwise yoursquoll have to wait until the next Open Enrollment period to make changes unless you experience a qualified life event (such as getting married changing job status etc)
The cost of coverage will reflect the 2016 contribution amounts Also if you are not enrolled in Medicare and have a Health Savings Account (HSA) you may set it up directly with HealthEquity Blue Shieldrsquos financial partner or with a financial institution of your choice to set aside tax-deductible funds for future health care expenses
What
When
Why
Joe Knox Customer Experience SpecialistStanford Web Services
ATTENTION
The Blue Shield PPO is being discontinued so you may select a new plan during Open Enrollment or be defaulted into the Blue Shield Healthcare + Savings Plan For more information see page 5
cardinalatworkstanfordedu | 2016 Retiree Guidebook to Benefits Open Enrollment 3
DISCOVERWhatrsquos Happening in 2016
WHATrsquoS STAYING THE SAME FOR RETIREES UNDER 65Here are the plans and options Stanford will continue to offer in 2016
Health Plan Options
We know having options is important In 2016 if you are a pre-65 retiree and not enrolled in Medicare yoursquoll still have several plans to choose from including the Blue Shield EPO the Blue Shield Healthcare + Savings Plan (formerly the Blue Shield High Deductible Health Plan) as well as the Kaiser HMO and the Stanford Health Care Alliance (SHCA) plan
Dental
Good dental care contributes to your overall health and wellness and will continue to be part of our comprehensive health care benefits
Mental Health A healthy body also needs a healthy mind Yoursquoll continue to receive expanded access to out-of-network outpatient mental health providers for the Blue Shield EPO Blue Shield Healthcare + Savings and SHCA plans
BeWell Incentive ProgramTo encourage healthy lifestyle behaviors the BeWell program will continue to offer retirees the opportunity to participate in limited programs at a reduced cost including the Stanford Health and Lifestyle Assessment (SHALA)
4 2016 Retiree Guidebook to Benefits Open Enrollment | cardinalatworkstanfordedu
WHATrsquoS CHANGING FOR RETIREES UNDER 65The plan changes for 2016 are comparable to previous annual benefit changes and include increases to health plan costs deductibles and out-of-pocket maximums and co-pays for office visits prescription drugs and other services Here are highlights of the changes
Changes Details
Health Plans
Blue Shield PPO plan is discontinued
bull The PPO Plan is being discontinued so current members will have an opportunity to elect a new plan during Open Enrollment
bull If you choose to do nothing yoursquoll be defaulted into the Blue Shield Healthcare + Savings Plan (formerly the High Deductible Health Plan)
Kaiser HMO
bull This plan is no longer the lowest-price plan
Stanford Health Care Alliance (SHCA)
bull This plan is now the lowest-price plan
bull SHCArsquos administrator is changing from Blue Shield to Aetna
bull Plan members will receive new ID cards by January 1 2016
bull Plan members should check the SHCA website at httpstanfordheathcareallianceorg for a list of in-network providers
Blue Shield Healthcare + Savings Plan (formerly the High Deductible Health Plan)
bull The Blue Shield High Deductible Health Plan (HDHP) is now called the Blue Shield Healthcare + Savings Plan
bull The plan design hasnrsquot changed only the name which better aligns with the Health Savings Account (HSA) You may set up an HSA directly with HealthEquity Blue Shieldrsquos financial partner or with a financial institution of your choice to set aside tax-deductible funds to help offset eligible health care expenses
This plan pays 80 of covered costs in network and 60 out of network after yoursquove paid the deductible
Deductibles $1750 individual $3500 family
Out-of-pocket maximum expenses $3750 individual $7500 family
Covered Service Charge Gender Reassignment
bull Gender reassignment procedure coverage has been extended to the Blue Shield EPO Blue Shield Healthcare + Savings and Stanford Health Care Alliance plans Previously Kaiser was the only plan to offer this coverage
TRAILING STORY LABEL
cardinalatworkstanfordedu | 2016 Retiree Guidebook to Benefits Open Enrollment 5
DISCOVER WHATrsquoS HAPPENING IN 2016
Changes Details
Vision CareVSP Vision Care mdash NEW
bull Retirees now have access to vision care which includes annual eye exams contact lenses andor frames
Health Savings Account (HSA)
bull The HSA maximum limit for families is increasing to $6750
Long-Term Care (LTC) Insurance
bull Starting October 1 2015 CNA Insurance Company discontinued LTC coverage and is no longer our LTC insurance provider Stanfordrsquos new LTC insurance provider Genworth is not making LTC available to retirees
Retirees that elected LTC coverage by Sept 30 2015 may continue coverage with CNA Stanfordrsquos former LTC provider
For policies purchased by Sept 30 CNA will continue to manage LTC direct billing and customer service Please call 800-523-4582 (5 am - 3 pm ET) to speak to a representative
bull If you are a current active employee planning to retire you should consider getting LTC coverage now as LTC insurance will no longer be offered as a benefit once you retire
2016 BENEFITS UPDATES FOR RETIREES OVER 65
Health Plan Options
Retirees enrolled in Medicare may still choose from the following Medicare Advantage Plans
bull Health Net Seniority Plus
bull Kaiser Senior Advantagebull United Healthcare Group
Medicare Advantage
Medicare Supplement Plans including
bull Blue Shield Retiree Medical Plan
bull United Healthcare Senior Supplementbull HealthNet COB
Vision Care (NEW)
Vision care benefits through VSP Vision Care will be offered in 2016 which includes annual eye exams contact lenses andor frames
Long-Term Care (LTC) Insurance
Starting October 1 2015 CNA Insurance Company discontinued LTC coverage and is no longer our LTC insurance provider Stanfordrsquos new LTC insurance provider Genworth is not making LTC available to retirees
Retirees that elected LTC coverage by Sept 30 2015 may continue coverage with CNA Please call 800-523-4582 (5 am ndash 3 pm ET) to speak to a representative
Dental Good dental care contributes to your overall health and wellness and continues to be part of our comprehensive health care offerings
TRAILING STORY LABEL
6 2016 Retiree Guidebook to Benefits Open Enrollment | cardinalatworkstanfordedu
DISCOVER WHATrsquoS HAPPENING IN 2016
EXPLOREFour Ways to Tour Open Enrollment Information
1 Attend a Benefits Open Enrollment Event
See page 9 for the schedule of fairs and information sessions For Open Enrollment event updates visit httpcardinalatworkstanfordeduOpenEnrollment
cardinalatworkstanfordedu | 2016 Retiree Guidebook to Benefits Open Enrollment 7
2 Compare Plans Using Online Tools
Want to take a closer look at the plan options and see how they differ We have a few tools to help you compare plans
Comparison ToolThis tool provides high-level information on plan options allowing you to compare how medical and dental plans cover various services No authentication is required to view the Comparison Tool
Health Plan EvaluatorTo access this robust tool log into My Benefits (Authentication is required) The Evaluator tool provides a more detailed estimate on your total out-of-pocket costs based on data you input including plan options estimated health care claims for yourself and covered dependents prescription drugs and other key information
Contribution Rate SummaryThis tool allows you to review and compare plan costs based on the following plan options
bull Retiree-only
bull Retiree + spouse registered domestic partner
bull Retiree + children
bull Retiree + family
Visit httpcardinalatworkstanfordedu OpenEnrollment to compare plans today
3 Review the Common Questions
See page 10 for the questions and find other benefits resources online
4 Log Into My Benefits To Enroll Starting Oct 26
Log into My Benefits (httpcawstanfordedu my-benefits) to get started
EXPLORE FOUR WAYS TO TOUR OPEN ENROLLMENT INFORMATION
8 2016 Retiree Guidebook to Benefits Open Enrollment | cardinalatworkstanfordedu
Open Enrollment Events
The following events have been scheduled to provide you more information about your retiree health plan options
BENEFITS FAIRMeet representatives from more than a dozen Stanford plan providers to learn more about their services
Date Time Location
Wednesday October 28 11 am ndash 200 pm Tresidder Memorial Union Oak Lounge West
INFORMATION SESSIONJoin our benefits experts in an hour-long session to learn more about 2016 health plans including details of whatrsquos changing and whatrsquos staying the same
Date Time Location
Wednesday October 28 1130 am ndash 1230 pm Tresidder Memorial Union Oak Lounge East
WEBINARThis online seminar presented by our benefits experts will walk you through the changes you can expect in 2016
Date Time Location
Tuesday November 3 11 am ndash 12 pm Log into httpstanfordbluejeanscom and enter Meeting ID 968022205
cardinalatworkstanfordedu | 2016 Retiree Guidebook to Benefits Open Enrollment 9
EXPLORE FOUR WAYS TO TOUR OPEN ENROLLMENT INFORMATION
FINDING YOUR WAY
Common Questions
Q If Irsquom a current Blue Shield PPO member what steps must I take during Open Enrollment
A Because the Blue Shield PPO plan is being discontinued you have two options
1 Review and elect a new plan (Blue Shield EPO Blue Shield Healthcare + Savings Stanford Health Care Alliance or Kaiser)
2 Should you choose not take any action you will automatically be enrolled in the Blue Shield Healthcare + Savings Plan which is the high deductible plan With this plan you may have a Health Savings Account (HSA) which is an account used to pay for health care costs on a post-tax basis You may sign up for an HSA by contacting HealthEquity Blue Shieldrsquos financial partner or going through another financial institution of your choice NOTE You may only sign up for an HSA if you are not enrolled in Medicare
Q Why was the Blue Shield PPO discontinued
A Stanford elected to remove the PPO plan choice due to cost Over the years the
Blue Shield PPO plan has continued to be the most expensive plan offered by the university for what retirees pay in premiums as well as what the university pays in administrative costs Additionally when looking ahead at the Affordable Care Act (ACA) excise ldquoCadillacrdquo tax to be implemented in 2018 the PPO plan is already too expensive to maintain under the current ACA thresholds
Q Why is Kaiser no longer the lowest-price plan
A In 2015 Kaiser and SHCA were both priced the same For the 2016 plan year Kaiserrsquos
proposed increase was higher than that of SHCA so the Kaiser plan is no longer the lowest-price option
10 2016 Retiree Guidebook to Benefits Open Enrollment | cardinalatworkstanfordedu
Q What are some things I can do to help me save on health care costs
A Some actions you can take to help defray costs are
Preventive CareTo stay on the healthy track be sure to take advantage of preventive care such as annual exams Preventive care is free under all of the plans as long as you stay in network
Choose generic vs brand name prescriptionsSave money on prescriptions by requesting generic or lower-cost versions of the medicine you need and by taking advantage of mail-order programs
Use urgent care facilities and limit emergency room visitsDonrsquot run to the emergency room for needs that are better suited to a doctorrsquos office or an urgent care clinic Also take advantage of your medical planrsquos advice nurse
If you choose the Blue Shield Healthcare + Savings plan stay in network and sign up for a Health Savings Account (HSA)The HSA allows you to set aside tax-deductible funds for future health care expenses on a post-tax basis The HSA may be set up directly through HealthEquity Blue Shieldrsquos financial partner or an financial institution of your choice
Note You may only sign up for an HSA if you are not enrolled in Medicare
Q As a retiree do I have access to Stanford Coordinated Care (SCC)
A Stanford Coordinated Care (SCC) is designed to provide current pre-65 active employees and their adult dependents support to manage ongoing health conditions SCC is not fully Medicare
approved and therefore is unavailable to retirees through the offered Medicare plans Once you transition to a Medicare plan SCC services are no longer available
2016 MEDICAL CONTRIBUTION RATESRetirees will receive a worksheet that outlines what they are eligible for and what it costs from Stanford Benefits in mid-October
To view dental vision and other health plan rates visit httpcardinalatworkstanfordeduOpenEnrollment
cardinalatworkstanfordedu | 2016 Retiree Guidebook to Benefits Open Enrollment 11
FINDING YOUR WAY COMMON QUESTIONS
Cardinal at Work is the new online destination for all employee-related information brought to you by University Human Resources As a retiree here are highlights of what yoursquoll experience
Benefits amp RewardsThis section is your one-stop destination for health and other benefits-related content Select ldquoMy Offeringsrdquo in the dropdown menu and choose ldquoRetireerdquo to find all the benefits and rewards available to you This is also the section where yoursquoll log into My Benefits to make your Open Enrollment elections
Learn amp GrowIn this section yoursquoll find information about the Tuition Grant Program (TGP)
ConnectIn this section yoursquoll find ways you can stay connected with the university including newsletters and other publications social channels video events and more
DESTINATION
Cardinal at Work
3160 Porter Drive Suite 250 Palo Alto CA 94304-8443
FIRST-CLASS MAIL
PRESORTED
US POSTAGE PAID
PALO ALTO CA
PERMIT NO 28
12 2016 Retiree Guidebook to Benefits Open Enrollment | cardinalatworkstanfordedu
DISCOVERWhatrsquos Happening in 2016
WHATrsquoS STAYING THE SAME FOR RETIREES UNDER 65Here are the plans and options Stanford will continue to offer in 2016
Health Plan Options
We know having options is important In 2016 if you are a pre-65 retiree and not enrolled in Medicare yoursquoll still have several plans to choose from including the Blue Shield EPO the Blue Shield Healthcare + Savings Plan (formerly the Blue Shield High Deductible Health Plan) as well as the Kaiser HMO and the Stanford Health Care Alliance (SHCA) plan
Dental
Good dental care contributes to your overall health and wellness and will continue to be part of our comprehensive health care benefits
Mental Health A healthy body also needs a healthy mind Yoursquoll continue to receive expanded access to out-of-network outpatient mental health providers for the Blue Shield EPO Blue Shield Healthcare + Savings and SHCA plans
BeWell Incentive ProgramTo encourage healthy lifestyle behaviors the BeWell program will continue to offer retirees the opportunity to participate in limited programs at a reduced cost including the Stanford Health and Lifestyle Assessment (SHALA)
4 2016 Retiree Guidebook to Benefits Open Enrollment | cardinalatworkstanfordedu
WHATrsquoS CHANGING FOR RETIREES UNDER 65The plan changes for 2016 are comparable to previous annual benefit changes and include increases to health plan costs deductibles and out-of-pocket maximums and co-pays for office visits prescription drugs and other services Here are highlights of the changes
Changes Details
Health Plans
Blue Shield PPO plan is discontinued
bull The PPO Plan is being discontinued so current members will have an opportunity to elect a new plan during Open Enrollment
bull If you choose to do nothing yoursquoll be defaulted into the Blue Shield Healthcare + Savings Plan (formerly the High Deductible Health Plan)
Kaiser HMO
bull This plan is no longer the lowest-price plan
Stanford Health Care Alliance (SHCA)
bull This plan is now the lowest-price plan
bull SHCArsquos administrator is changing from Blue Shield to Aetna
bull Plan members will receive new ID cards by January 1 2016
bull Plan members should check the SHCA website at httpstanfordheathcareallianceorg for a list of in-network providers
Blue Shield Healthcare + Savings Plan (formerly the High Deductible Health Plan)
bull The Blue Shield High Deductible Health Plan (HDHP) is now called the Blue Shield Healthcare + Savings Plan
bull The plan design hasnrsquot changed only the name which better aligns with the Health Savings Account (HSA) You may set up an HSA directly with HealthEquity Blue Shieldrsquos financial partner or with a financial institution of your choice to set aside tax-deductible funds to help offset eligible health care expenses
This plan pays 80 of covered costs in network and 60 out of network after yoursquove paid the deductible
Deductibles $1750 individual $3500 family
Out-of-pocket maximum expenses $3750 individual $7500 family
Covered Service Charge Gender Reassignment
bull Gender reassignment procedure coverage has been extended to the Blue Shield EPO Blue Shield Healthcare + Savings and Stanford Health Care Alliance plans Previously Kaiser was the only plan to offer this coverage
TRAILING STORY LABEL
cardinalatworkstanfordedu | 2016 Retiree Guidebook to Benefits Open Enrollment 5
DISCOVER WHATrsquoS HAPPENING IN 2016
Changes Details
Vision CareVSP Vision Care mdash NEW
bull Retirees now have access to vision care which includes annual eye exams contact lenses andor frames
Health Savings Account (HSA)
bull The HSA maximum limit for families is increasing to $6750
Long-Term Care (LTC) Insurance
bull Starting October 1 2015 CNA Insurance Company discontinued LTC coverage and is no longer our LTC insurance provider Stanfordrsquos new LTC insurance provider Genworth is not making LTC available to retirees
Retirees that elected LTC coverage by Sept 30 2015 may continue coverage with CNA Stanfordrsquos former LTC provider
For policies purchased by Sept 30 CNA will continue to manage LTC direct billing and customer service Please call 800-523-4582 (5 am - 3 pm ET) to speak to a representative
bull If you are a current active employee planning to retire you should consider getting LTC coverage now as LTC insurance will no longer be offered as a benefit once you retire
2016 BENEFITS UPDATES FOR RETIREES OVER 65
Health Plan Options
Retirees enrolled in Medicare may still choose from the following Medicare Advantage Plans
bull Health Net Seniority Plus
bull Kaiser Senior Advantagebull United Healthcare Group
Medicare Advantage
Medicare Supplement Plans including
bull Blue Shield Retiree Medical Plan
bull United Healthcare Senior Supplementbull HealthNet COB
Vision Care (NEW)
Vision care benefits through VSP Vision Care will be offered in 2016 which includes annual eye exams contact lenses andor frames
Long-Term Care (LTC) Insurance
Starting October 1 2015 CNA Insurance Company discontinued LTC coverage and is no longer our LTC insurance provider Stanfordrsquos new LTC insurance provider Genworth is not making LTC available to retirees
Retirees that elected LTC coverage by Sept 30 2015 may continue coverage with CNA Please call 800-523-4582 (5 am ndash 3 pm ET) to speak to a representative
Dental Good dental care contributes to your overall health and wellness and continues to be part of our comprehensive health care offerings
TRAILING STORY LABEL
6 2016 Retiree Guidebook to Benefits Open Enrollment | cardinalatworkstanfordedu
DISCOVER WHATrsquoS HAPPENING IN 2016
EXPLOREFour Ways to Tour Open Enrollment Information
1 Attend a Benefits Open Enrollment Event
See page 9 for the schedule of fairs and information sessions For Open Enrollment event updates visit httpcardinalatworkstanfordeduOpenEnrollment
cardinalatworkstanfordedu | 2016 Retiree Guidebook to Benefits Open Enrollment 7
2 Compare Plans Using Online Tools
Want to take a closer look at the plan options and see how they differ We have a few tools to help you compare plans
Comparison ToolThis tool provides high-level information on plan options allowing you to compare how medical and dental plans cover various services No authentication is required to view the Comparison Tool
Health Plan EvaluatorTo access this robust tool log into My Benefits (Authentication is required) The Evaluator tool provides a more detailed estimate on your total out-of-pocket costs based on data you input including plan options estimated health care claims for yourself and covered dependents prescription drugs and other key information
Contribution Rate SummaryThis tool allows you to review and compare plan costs based on the following plan options
bull Retiree-only
bull Retiree + spouse registered domestic partner
bull Retiree + children
bull Retiree + family
Visit httpcardinalatworkstanfordedu OpenEnrollment to compare plans today
3 Review the Common Questions
See page 10 for the questions and find other benefits resources online
4 Log Into My Benefits To Enroll Starting Oct 26
Log into My Benefits (httpcawstanfordedu my-benefits) to get started
EXPLORE FOUR WAYS TO TOUR OPEN ENROLLMENT INFORMATION
8 2016 Retiree Guidebook to Benefits Open Enrollment | cardinalatworkstanfordedu
Open Enrollment Events
The following events have been scheduled to provide you more information about your retiree health plan options
BENEFITS FAIRMeet representatives from more than a dozen Stanford plan providers to learn more about their services
Date Time Location
Wednesday October 28 11 am ndash 200 pm Tresidder Memorial Union Oak Lounge West
INFORMATION SESSIONJoin our benefits experts in an hour-long session to learn more about 2016 health plans including details of whatrsquos changing and whatrsquos staying the same
Date Time Location
Wednesday October 28 1130 am ndash 1230 pm Tresidder Memorial Union Oak Lounge East
WEBINARThis online seminar presented by our benefits experts will walk you through the changes you can expect in 2016
Date Time Location
Tuesday November 3 11 am ndash 12 pm Log into httpstanfordbluejeanscom and enter Meeting ID 968022205
cardinalatworkstanfordedu | 2016 Retiree Guidebook to Benefits Open Enrollment 9
EXPLORE FOUR WAYS TO TOUR OPEN ENROLLMENT INFORMATION
FINDING YOUR WAY
Common Questions
Q If Irsquom a current Blue Shield PPO member what steps must I take during Open Enrollment
A Because the Blue Shield PPO plan is being discontinued you have two options
1 Review and elect a new plan (Blue Shield EPO Blue Shield Healthcare + Savings Stanford Health Care Alliance or Kaiser)
2 Should you choose not take any action you will automatically be enrolled in the Blue Shield Healthcare + Savings Plan which is the high deductible plan With this plan you may have a Health Savings Account (HSA) which is an account used to pay for health care costs on a post-tax basis You may sign up for an HSA by contacting HealthEquity Blue Shieldrsquos financial partner or going through another financial institution of your choice NOTE You may only sign up for an HSA if you are not enrolled in Medicare
Q Why was the Blue Shield PPO discontinued
A Stanford elected to remove the PPO plan choice due to cost Over the years the
Blue Shield PPO plan has continued to be the most expensive plan offered by the university for what retirees pay in premiums as well as what the university pays in administrative costs Additionally when looking ahead at the Affordable Care Act (ACA) excise ldquoCadillacrdquo tax to be implemented in 2018 the PPO plan is already too expensive to maintain under the current ACA thresholds
Q Why is Kaiser no longer the lowest-price plan
A In 2015 Kaiser and SHCA were both priced the same For the 2016 plan year Kaiserrsquos
proposed increase was higher than that of SHCA so the Kaiser plan is no longer the lowest-price option
10 2016 Retiree Guidebook to Benefits Open Enrollment | cardinalatworkstanfordedu
Q What are some things I can do to help me save on health care costs
A Some actions you can take to help defray costs are
Preventive CareTo stay on the healthy track be sure to take advantage of preventive care such as annual exams Preventive care is free under all of the plans as long as you stay in network
Choose generic vs brand name prescriptionsSave money on prescriptions by requesting generic or lower-cost versions of the medicine you need and by taking advantage of mail-order programs
Use urgent care facilities and limit emergency room visitsDonrsquot run to the emergency room for needs that are better suited to a doctorrsquos office or an urgent care clinic Also take advantage of your medical planrsquos advice nurse
If you choose the Blue Shield Healthcare + Savings plan stay in network and sign up for a Health Savings Account (HSA)The HSA allows you to set aside tax-deductible funds for future health care expenses on a post-tax basis The HSA may be set up directly through HealthEquity Blue Shieldrsquos financial partner or an financial institution of your choice
Note You may only sign up for an HSA if you are not enrolled in Medicare
Q As a retiree do I have access to Stanford Coordinated Care (SCC)
A Stanford Coordinated Care (SCC) is designed to provide current pre-65 active employees and their adult dependents support to manage ongoing health conditions SCC is not fully Medicare
approved and therefore is unavailable to retirees through the offered Medicare plans Once you transition to a Medicare plan SCC services are no longer available
2016 MEDICAL CONTRIBUTION RATESRetirees will receive a worksheet that outlines what they are eligible for and what it costs from Stanford Benefits in mid-October
To view dental vision and other health plan rates visit httpcardinalatworkstanfordeduOpenEnrollment
cardinalatworkstanfordedu | 2016 Retiree Guidebook to Benefits Open Enrollment 11
FINDING YOUR WAY COMMON QUESTIONS
Cardinal at Work is the new online destination for all employee-related information brought to you by University Human Resources As a retiree here are highlights of what yoursquoll experience
Benefits amp RewardsThis section is your one-stop destination for health and other benefits-related content Select ldquoMy Offeringsrdquo in the dropdown menu and choose ldquoRetireerdquo to find all the benefits and rewards available to you This is also the section where yoursquoll log into My Benefits to make your Open Enrollment elections
Learn amp GrowIn this section yoursquoll find information about the Tuition Grant Program (TGP)
ConnectIn this section yoursquoll find ways you can stay connected with the university including newsletters and other publications social channels video events and more
DESTINATION
Cardinal at Work
3160 Porter Drive Suite 250 Palo Alto CA 94304-8443
FIRST-CLASS MAIL
PRESORTED
US POSTAGE PAID
PALO ALTO CA
PERMIT NO 28
12 2016 Retiree Guidebook to Benefits Open Enrollment | cardinalatworkstanfordedu
WHATrsquoS CHANGING FOR RETIREES UNDER 65The plan changes for 2016 are comparable to previous annual benefit changes and include increases to health plan costs deductibles and out-of-pocket maximums and co-pays for office visits prescription drugs and other services Here are highlights of the changes
Changes Details
Health Plans
Blue Shield PPO plan is discontinued
bull The PPO Plan is being discontinued so current members will have an opportunity to elect a new plan during Open Enrollment
bull If you choose to do nothing yoursquoll be defaulted into the Blue Shield Healthcare + Savings Plan (formerly the High Deductible Health Plan)
Kaiser HMO
bull This plan is no longer the lowest-price plan
Stanford Health Care Alliance (SHCA)
bull This plan is now the lowest-price plan
bull SHCArsquos administrator is changing from Blue Shield to Aetna
bull Plan members will receive new ID cards by January 1 2016
bull Plan members should check the SHCA website at httpstanfordheathcareallianceorg for a list of in-network providers
Blue Shield Healthcare + Savings Plan (formerly the High Deductible Health Plan)
bull The Blue Shield High Deductible Health Plan (HDHP) is now called the Blue Shield Healthcare + Savings Plan
bull The plan design hasnrsquot changed only the name which better aligns with the Health Savings Account (HSA) You may set up an HSA directly with HealthEquity Blue Shieldrsquos financial partner or with a financial institution of your choice to set aside tax-deductible funds to help offset eligible health care expenses
This plan pays 80 of covered costs in network and 60 out of network after yoursquove paid the deductible
Deductibles $1750 individual $3500 family
Out-of-pocket maximum expenses $3750 individual $7500 family
Covered Service Charge Gender Reassignment
bull Gender reassignment procedure coverage has been extended to the Blue Shield EPO Blue Shield Healthcare + Savings and Stanford Health Care Alliance plans Previously Kaiser was the only plan to offer this coverage
TRAILING STORY LABEL
cardinalatworkstanfordedu | 2016 Retiree Guidebook to Benefits Open Enrollment 5
DISCOVER WHATrsquoS HAPPENING IN 2016
Changes Details
Vision CareVSP Vision Care mdash NEW
bull Retirees now have access to vision care which includes annual eye exams contact lenses andor frames
Health Savings Account (HSA)
bull The HSA maximum limit for families is increasing to $6750
Long-Term Care (LTC) Insurance
bull Starting October 1 2015 CNA Insurance Company discontinued LTC coverage and is no longer our LTC insurance provider Stanfordrsquos new LTC insurance provider Genworth is not making LTC available to retirees
Retirees that elected LTC coverage by Sept 30 2015 may continue coverage with CNA Stanfordrsquos former LTC provider
For policies purchased by Sept 30 CNA will continue to manage LTC direct billing and customer service Please call 800-523-4582 (5 am - 3 pm ET) to speak to a representative
bull If you are a current active employee planning to retire you should consider getting LTC coverage now as LTC insurance will no longer be offered as a benefit once you retire
2016 BENEFITS UPDATES FOR RETIREES OVER 65
Health Plan Options
Retirees enrolled in Medicare may still choose from the following Medicare Advantage Plans
bull Health Net Seniority Plus
bull Kaiser Senior Advantagebull United Healthcare Group
Medicare Advantage
Medicare Supplement Plans including
bull Blue Shield Retiree Medical Plan
bull United Healthcare Senior Supplementbull HealthNet COB
Vision Care (NEW)
Vision care benefits through VSP Vision Care will be offered in 2016 which includes annual eye exams contact lenses andor frames
Long-Term Care (LTC) Insurance
Starting October 1 2015 CNA Insurance Company discontinued LTC coverage and is no longer our LTC insurance provider Stanfordrsquos new LTC insurance provider Genworth is not making LTC available to retirees
Retirees that elected LTC coverage by Sept 30 2015 may continue coverage with CNA Please call 800-523-4582 (5 am ndash 3 pm ET) to speak to a representative
Dental Good dental care contributes to your overall health and wellness and continues to be part of our comprehensive health care offerings
TRAILING STORY LABEL
6 2016 Retiree Guidebook to Benefits Open Enrollment | cardinalatworkstanfordedu
DISCOVER WHATrsquoS HAPPENING IN 2016
EXPLOREFour Ways to Tour Open Enrollment Information
1 Attend a Benefits Open Enrollment Event
See page 9 for the schedule of fairs and information sessions For Open Enrollment event updates visit httpcardinalatworkstanfordeduOpenEnrollment
cardinalatworkstanfordedu | 2016 Retiree Guidebook to Benefits Open Enrollment 7
2 Compare Plans Using Online Tools
Want to take a closer look at the plan options and see how they differ We have a few tools to help you compare plans
Comparison ToolThis tool provides high-level information on plan options allowing you to compare how medical and dental plans cover various services No authentication is required to view the Comparison Tool
Health Plan EvaluatorTo access this robust tool log into My Benefits (Authentication is required) The Evaluator tool provides a more detailed estimate on your total out-of-pocket costs based on data you input including plan options estimated health care claims for yourself and covered dependents prescription drugs and other key information
Contribution Rate SummaryThis tool allows you to review and compare plan costs based on the following plan options
bull Retiree-only
bull Retiree + spouse registered domestic partner
bull Retiree + children
bull Retiree + family
Visit httpcardinalatworkstanfordedu OpenEnrollment to compare plans today
3 Review the Common Questions
See page 10 for the questions and find other benefits resources online
4 Log Into My Benefits To Enroll Starting Oct 26
Log into My Benefits (httpcawstanfordedu my-benefits) to get started
EXPLORE FOUR WAYS TO TOUR OPEN ENROLLMENT INFORMATION
8 2016 Retiree Guidebook to Benefits Open Enrollment | cardinalatworkstanfordedu
Open Enrollment Events
The following events have been scheduled to provide you more information about your retiree health plan options
BENEFITS FAIRMeet representatives from more than a dozen Stanford plan providers to learn more about their services
Date Time Location
Wednesday October 28 11 am ndash 200 pm Tresidder Memorial Union Oak Lounge West
INFORMATION SESSIONJoin our benefits experts in an hour-long session to learn more about 2016 health plans including details of whatrsquos changing and whatrsquos staying the same
Date Time Location
Wednesday October 28 1130 am ndash 1230 pm Tresidder Memorial Union Oak Lounge East
WEBINARThis online seminar presented by our benefits experts will walk you through the changes you can expect in 2016
Date Time Location
Tuesday November 3 11 am ndash 12 pm Log into httpstanfordbluejeanscom and enter Meeting ID 968022205
cardinalatworkstanfordedu | 2016 Retiree Guidebook to Benefits Open Enrollment 9
EXPLORE FOUR WAYS TO TOUR OPEN ENROLLMENT INFORMATION
FINDING YOUR WAY
Common Questions
Q If Irsquom a current Blue Shield PPO member what steps must I take during Open Enrollment
A Because the Blue Shield PPO plan is being discontinued you have two options
1 Review and elect a new plan (Blue Shield EPO Blue Shield Healthcare + Savings Stanford Health Care Alliance or Kaiser)
2 Should you choose not take any action you will automatically be enrolled in the Blue Shield Healthcare + Savings Plan which is the high deductible plan With this plan you may have a Health Savings Account (HSA) which is an account used to pay for health care costs on a post-tax basis You may sign up for an HSA by contacting HealthEquity Blue Shieldrsquos financial partner or going through another financial institution of your choice NOTE You may only sign up for an HSA if you are not enrolled in Medicare
Q Why was the Blue Shield PPO discontinued
A Stanford elected to remove the PPO plan choice due to cost Over the years the
Blue Shield PPO plan has continued to be the most expensive plan offered by the university for what retirees pay in premiums as well as what the university pays in administrative costs Additionally when looking ahead at the Affordable Care Act (ACA) excise ldquoCadillacrdquo tax to be implemented in 2018 the PPO plan is already too expensive to maintain under the current ACA thresholds
Q Why is Kaiser no longer the lowest-price plan
A In 2015 Kaiser and SHCA were both priced the same For the 2016 plan year Kaiserrsquos
proposed increase was higher than that of SHCA so the Kaiser plan is no longer the lowest-price option
10 2016 Retiree Guidebook to Benefits Open Enrollment | cardinalatworkstanfordedu
Q What are some things I can do to help me save on health care costs
A Some actions you can take to help defray costs are
Preventive CareTo stay on the healthy track be sure to take advantage of preventive care such as annual exams Preventive care is free under all of the plans as long as you stay in network
Choose generic vs brand name prescriptionsSave money on prescriptions by requesting generic or lower-cost versions of the medicine you need and by taking advantage of mail-order programs
Use urgent care facilities and limit emergency room visitsDonrsquot run to the emergency room for needs that are better suited to a doctorrsquos office or an urgent care clinic Also take advantage of your medical planrsquos advice nurse
If you choose the Blue Shield Healthcare + Savings plan stay in network and sign up for a Health Savings Account (HSA)The HSA allows you to set aside tax-deductible funds for future health care expenses on a post-tax basis The HSA may be set up directly through HealthEquity Blue Shieldrsquos financial partner or an financial institution of your choice
Note You may only sign up for an HSA if you are not enrolled in Medicare
Q As a retiree do I have access to Stanford Coordinated Care (SCC)
A Stanford Coordinated Care (SCC) is designed to provide current pre-65 active employees and their adult dependents support to manage ongoing health conditions SCC is not fully Medicare
approved and therefore is unavailable to retirees through the offered Medicare plans Once you transition to a Medicare plan SCC services are no longer available
2016 MEDICAL CONTRIBUTION RATESRetirees will receive a worksheet that outlines what they are eligible for and what it costs from Stanford Benefits in mid-October
To view dental vision and other health plan rates visit httpcardinalatworkstanfordeduOpenEnrollment
cardinalatworkstanfordedu | 2016 Retiree Guidebook to Benefits Open Enrollment 11
FINDING YOUR WAY COMMON QUESTIONS
Cardinal at Work is the new online destination for all employee-related information brought to you by University Human Resources As a retiree here are highlights of what yoursquoll experience
Benefits amp RewardsThis section is your one-stop destination for health and other benefits-related content Select ldquoMy Offeringsrdquo in the dropdown menu and choose ldquoRetireerdquo to find all the benefits and rewards available to you This is also the section where yoursquoll log into My Benefits to make your Open Enrollment elections
Learn amp GrowIn this section yoursquoll find information about the Tuition Grant Program (TGP)
ConnectIn this section yoursquoll find ways you can stay connected with the university including newsletters and other publications social channels video events and more
DESTINATION
Cardinal at Work
3160 Porter Drive Suite 250 Palo Alto CA 94304-8443
FIRST-CLASS MAIL
PRESORTED
US POSTAGE PAID
PALO ALTO CA
PERMIT NO 28
12 2016 Retiree Guidebook to Benefits Open Enrollment | cardinalatworkstanfordedu
Changes Details
Vision CareVSP Vision Care mdash NEW
bull Retirees now have access to vision care which includes annual eye exams contact lenses andor frames
Health Savings Account (HSA)
bull The HSA maximum limit for families is increasing to $6750
Long-Term Care (LTC) Insurance
bull Starting October 1 2015 CNA Insurance Company discontinued LTC coverage and is no longer our LTC insurance provider Stanfordrsquos new LTC insurance provider Genworth is not making LTC available to retirees
Retirees that elected LTC coverage by Sept 30 2015 may continue coverage with CNA Stanfordrsquos former LTC provider
For policies purchased by Sept 30 CNA will continue to manage LTC direct billing and customer service Please call 800-523-4582 (5 am - 3 pm ET) to speak to a representative
bull If you are a current active employee planning to retire you should consider getting LTC coverage now as LTC insurance will no longer be offered as a benefit once you retire
2016 BENEFITS UPDATES FOR RETIREES OVER 65
Health Plan Options
Retirees enrolled in Medicare may still choose from the following Medicare Advantage Plans
bull Health Net Seniority Plus
bull Kaiser Senior Advantagebull United Healthcare Group
Medicare Advantage
Medicare Supplement Plans including
bull Blue Shield Retiree Medical Plan
bull United Healthcare Senior Supplementbull HealthNet COB
Vision Care (NEW)
Vision care benefits through VSP Vision Care will be offered in 2016 which includes annual eye exams contact lenses andor frames
Long-Term Care (LTC) Insurance
Starting October 1 2015 CNA Insurance Company discontinued LTC coverage and is no longer our LTC insurance provider Stanfordrsquos new LTC insurance provider Genworth is not making LTC available to retirees
Retirees that elected LTC coverage by Sept 30 2015 may continue coverage with CNA Please call 800-523-4582 (5 am ndash 3 pm ET) to speak to a representative
Dental Good dental care contributes to your overall health and wellness and continues to be part of our comprehensive health care offerings
TRAILING STORY LABEL
6 2016 Retiree Guidebook to Benefits Open Enrollment | cardinalatworkstanfordedu
DISCOVER WHATrsquoS HAPPENING IN 2016
EXPLOREFour Ways to Tour Open Enrollment Information
1 Attend a Benefits Open Enrollment Event
See page 9 for the schedule of fairs and information sessions For Open Enrollment event updates visit httpcardinalatworkstanfordeduOpenEnrollment
cardinalatworkstanfordedu | 2016 Retiree Guidebook to Benefits Open Enrollment 7
2 Compare Plans Using Online Tools
Want to take a closer look at the plan options and see how they differ We have a few tools to help you compare plans
Comparison ToolThis tool provides high-level information on plan options allowing you to compare how medical and dental plans cover various services No authentication is required to view the Comparison Tool
Health Plan EvaluatorTo access this robust tool log into My Benefits (Authentication is required) The Evaluator tool provides a more detailed estimate on your total out-of-pocket costs based on data you input including plan options estimated health care claims for yourself and covered dependents prescription drugs and other key information
Contribution Rate SummaryThis tool allows you to review and compare plan costs based on the following plan options
bull Retiree-only
bull Retiree + spouse registered domestic partner
bull Retiree + children
bull Retiree + family
Visit httpcardinalatworkstanfordedu OpenEnrollment to compare plans today
3 Review the Common Questions
See page 10 for the questions and find other benefits resources online
4 Log Into My Benefits To Enroll Starting Oct 26
Log into My Benefits (httpcawstanfordedu my-benefits) to get started
EXPLORE FOUR WAYS TO TOUR OPEN ENROLLMENT INFORMATION
8 2016 Retiree Guidebook to Benefits Open Enrollment | cardinalatworkstanfordedu
Open Enrollment Events
The following events have been scheduled to provide you more information about your retiree health plan options
BENEFITS FAIRMeet representatives from more than a dozen Stanford plan providers to learn more about their services
Date Time Location
Wednesday October 28 11 am ndash 200 pm Tresidder Memorial Union Oak Lounge West
INFORMATION SESSIONJoin our benefits experts in an hour-long session to learn more about 2016 health plans including details of whatrsquos changing and whatrsquos staying the same
Date Time Location
Wednesday October 28 1130 am ndash 1230 pm Tresidder Memorial Union Oak Lounge East
WEBINARThis online seminar presented by our benefits experts will walk you through the changes you can expect in 2016
Date Time Location
Tuesday November 3 11 am ndash 12 pm Log into httpstanfordbluejeanscom and enter Meeting ID 968022205
cardinalatworkstanfordedu | 2016 Retiree Guidebook to Benefits Open Enrollment 9
EXPLORE FOUR WAYS TO TOUR OPEN ENROLLMENT INFORMATION
FINDING YOUR WAY
Common Questions
Q If Irsquom a current Blue Shield PPO member what steps must I take during Open Enrollment
A Because the Blue Shield PPO plan is being discontinued you have two options
1 Review and elect a new plan (Blue Shield EPO Blue Shield Healthcare + Savings Stanford Health Care Alliance or Kaiser)
2 Should you choose not take any action you will automatically be enrolled in the Blue Shield Healthcare + Savings Plan which is the high deductible plan With this plan you may have a Health Savings Account (HSA) which is an account used to pay for health care costs on a post-tax basis You may sign up for an HSA by contacting HealthEquity Blue Shieldrsquos financial partner or going through another financial institution of your choice NOTE You may only sign up for an HSA if you are not enrolled in Medicare
Q Why was the Blue Shield PPO discontinued
A Stanford elected to remove the PPO plan choice due to cost Over the years the
Blue Shield PPO plan has continued to be the most expensive plan offered by the university for what retirees pay in premiums as well as what the university pays in administrative costs Additionally when looking ahead at the Affordable Care Act (ACA) excise ldquoCadillacrdquo tax to be implemented in 2018 the PPO plan is already too expensive to maintain under the current ACA thresholds
Q Why is Kaiser no longer the lowest-price plan
A In 2015 Kaiser and SHCA were both priced the same For the 2016 plan year Kaiserrsquos
proposed increase was higher than that of SHCA so the Kaiser plan is no longer the lowest-price option
10 2016 Retiree Guidebook to Benefits Open Enrollment | cardinalatworkstanfordedu
Q What are some things I can do to help me save on health care costs
A Some actions you can take to help defray costs are
Preventive CareTo stay on the healthy track be sure to take advantage of preventive care such as annual exams Preventive care is free under all of the plans as long as you stay in network
Choose generic vs brand name prescriptionsSave money on prescriptions by requesting generic or lower-cost versions of the medicine you need and by taking advantage of mail-order programs
Use urgent care facilities and limit emergency room visitsDonrsquot run to the emergency room for needs that are better suited to a doctorrsquos office or an urgent care clinic Also take advantage of your medical planrsquos advice nurse
If you choose the Blue Shield Healthcare + Savings plan stay in network and sign up for a Health Savings Account (HSA)The HSA allows you to set aside tax-deductible funds for future health care expenses on a post-tax basis The HSA may be set up directly through HealthEquity Blue Shieldrsquos financial partner or an financial institution of your choice
Note You may only sign up for an HSA if you are not enrolled in Medicare
Q As a retiree do I have access to Stanford Coordinated Care (SCC)
A Stanford Coordinated Care (SCC) is designed to provide current pre-65 active employees and their adult dependents support to manage ongoing health conditions SCC is not fully Medicare
approved and therefore is unavailable to retirees through the offered Medicare plans Once you transition to a Medicare plan SCC services are no longer available
2016 MEDICAL CONTRIBUTION RATESRetirees will receive a worksheet that outlines what they are eligible for and what it costs from Stanford Benefits in mid-October
To view dental vision and other health plan rates visit httpcardinalatworkstanfordeduOpenEnrollment
cardinalatworkstanfordedu | 2016 Retiree Guidebook to Benefits Open Enrollment 11
FINDING YOUR WAY COMMON QUESTIONS
Cardinal at Work is the new online destination for all employee-related information brought to you by University Human Resources As a retiree here are highlights of what yoursquoll experience
Benefits amp RewardsThis section is your one-stop destination for health and other benefits-related content Select ldquoMy Offeringsrdquo in the dropdown menu and choose ldquoRetireerdquo to find all the benefits and rewards available to you This is also the section where yoursquoll log into My Benefits to make your Open Enrollment elections
Learn amp GrowIn this section yoursquoll find information about the Tuition Grant Program (TGP)
ConnectIn this section yoursquoll find ways you can stay connected with the university including newsletters and other publications social channels video events and more
DESTINATION
Cardinal at Work
3160 Porter Drive Suite 250 Palo Alto CA 94304-8443
FIRST-CLASS MAIL
PRESORTED
US POSTAGE PAID
PALO ALTO CA
PERMIT NO 28
12 2016 Retiree Guidebook to Benefits Open Enrollment | cardinalatworkstanfordedu
EXPLOREFour Ways to Tour Open Enrollment Information
1 Attend a Benefits Open Enrollment Event
See page 9 for the schedule of fairs and information sessions For Open Enrollment event updates visit httpcardinalatworkstanfordeduOpenEnrollment
cardinalatworkstanfordedu | 2016 Retiree Guidebook to Benefits Open Enrollment 7
2 Compare Plans Using Online Tools
Want to take a closer look at the plan options and see how they differ We have a few tools to help you compare plans
Comparison ToolThis tool provides high-level information on plan options allowing you to compare how medical and dental plans cover various services No authentication is required to view the Comparison Tool
Health Plan EvaluatorTo access this robust tool log into My Benefits (Authentication is required) The Evaluator tool provides a more detailed estimate on your total out-of-pocket costs based on data you input including plan options estimated health care claims for yourself and covered dependents prescription drugs and other key information
Contribution Rate SummaryThis tool allows you to review and compare plan costs based on the following plan options
bull Retiree-only
bull Retiree + spouse registered domestic partner
bull Retiree + children
bull Retiree + family
Visit httpcardinalatworkstanfordedu OpenEnrollment to compare plans today
3 Review the Common Questions
See page 10 for the questions and find other benefits resources online
4 Log Into My Benefits To Enroll Starting Oct 26
Log into My Benefits (httpcawstanfordedu my-benefits) to get started
EXPLORE FOUR WAYS TO TOUR OPEN ENROLLMENT INFORMATION
8 2016 Retiree Guidebook to Benefits Open Enrollment | cardinalatworkstanfordedu
Open Enrollment Events
The following events have been scheduled to provide you more information about your retiree health plan options
BENEFITS FAIRMeet representatives from more than a dozen Stanford plan providers to learn more about their services
Date Time Location
Wednesday October 28 11 am ndash 200 pm Tresidder Memorial Union Oak Lounge West
INFORMATION SESSIONJoin our benefits experts in an hour-long session to learn more about 2016 health plans including details of whatrsquos changing and whatrsquos staying the same
Date Time Location
Wednesday October 28 1130 am ndash 1230 pm Tresidder Memorial Union Oak Lounge East
WEBINARThis online seminar presented by our benefits experts will walk you through the changes you can expect in 2016
Date Time Location
Tuesday November 3 11 am ndash 12 pm Log into httpstanfordbluejeanscom and enter Meeting ID 968022205
cardinalatworkstanfordedu | 2016 Retiree Guidebook to Benefits Open Enrollment 9
EXPLORE FOUR WAYS TO TOUR OPEN ENROLLMENT INFORMATION
FINDING YOUR WAY
Common Questions
Q If Irsquom a current Blue Shield PPO member what steps must I take during Open Enrollment
A Because the Blue Shield PPO plan is being discontinued you have two options
1 Review and elect a new plan (Blue Shield EPO Blue Shield Healthcare + Savings Stanford Health Care Alliance or Kaiser)
2 Should you choose not take any action you will automatically be enrolled in the Blue Shield Healthcare + Savings Plan which is the high deductible plan With this plan you may have a Health Savings Account (HSA) which is an account used to pay for health care costs on a post-tax basis You may sign up for an HSA by contacting HealthEquity Blue Shieldrsquos financial partner or going through another financial institution of your choice NOTE You may only sign up for an HSA if you are not enrolled in Medicare
Q Why was the Blue Shield PPO discontinued
A Stanford elected to remove the PPO plan choice due to cost Over the years the
Blue Shield PPO plan has continued to be the most expensive plan offered by the university for what retirees pay in premiums as well as what the university pays in administrative costs Additionally when looking ahead at the Affordable Care Act (ACA) excise ldquoCadillacrdquo tax to be implemented in 2018 the PPO plan is already too expensive to maintain under the current ACA thresholds
Q Why is Kaiser no longer the lowest-price plan
A In 2015 Kaiser and SHCA were both priced the same For the 2016 plan year Kaiserrsquos
proposed increase was higher than that of SHCA so the Kaiser plan is no longer the lowest-price option
10 2016 Retiree Guidebook to Benefits Open Enrollment | cardinalatworkstanfordedu
Q What are some things I can do to help me save on health care costs
A Some actions you can take to help defray costs are
Preventive CareTo stay on the healthy track be sure to take advantage of preventive care such as annual exams Preventive care is free under all of the plans as long as you stay in network
Choose generic vs brand name prescriptionsSave money on prescriptions by requesting generic or lower-cost versions of the medicine you need and by taking advantage of mail-order programs
Use urgent care facilities and limit emergency room visitsDonrsquot run to the emergency room for needs that are better suited to a doctorrsquos office or an urgent care clinic Also take advantage of your medical planrsquos advice nurse
If you choose the Blue Shield Healthcare + Savings plan stay in network and sign up for a Health Savings Account (HSA)The HSA allows you to set aside tax-deductible funds for future health care expenses on a post-tax basis The HSA may be set up directly through HealthEquity Blue Shieldrsquos financial partner or an financial institution of your choice
Note You may only sign up for an HSA if you are not enrolled in Medicare
Q As a retiree do I have access to Stanford Coordinated Care (SCC)
A Stanford Coordinated Care (SCC) is designed to provide current pre-65 active employees and their adult dependents support to manage ongoing health conditions SCC is not fully Medicare
approved and therefore is unavailable to retirees through the offered Medicare plans Once you transition to a Medicare plan SCC services are no longer available
2016 MEDICAL CONTRIBUTION RATESRetirees will receive a worksheet that outlines what they are eligible for and what it costs from Stanford Benefits in mid-October
To view dental vision and other health plan rates visit httpcardinalatworkstanfordeduOpenEnrollment
cardinalatworkstanfordedu | 2016 Retiree Guidebook to Benefits Open Enrollment 11
FINDING YOUR WAY COMMON QUESTIONS
Cardinal at Work is the new online destination for all employee-related information brought to you by University Human Resources As a retiree here are highlights of what yoursquoll experience
Benefits amp RewardsThis section is your one-stop destination for health and other benefits-related content Select ldquoMy Offeringsrdquo in the dropdown menu and choose ldquoRetireerdquo to find all the benefits and rewards available to you This is also the section where yoursquoll log into My Benefits to make your Open Enrollment elections
Learn amp GrowIn this section yoursquoll find information about the Tuition Grant Program (TGP)
ConnectIn this section yoursquoll find ways you can stay connected with the university including newsletters and other publications social channels video events and more
DESTINATION
Cardinal at Work
3160 Porter Drive Suite 250 Palo Alto CA 94304-8443
FIRST-CLASS MAIL
PRESORTED
US POSTAGE PAID
PALO ALTO CA
PERMIT NO 28
12 2016 Retiree Guidebook to Benefits Open Enrollment | cardinalatworkstanfordedu
2 Compare Plans Using Online Tools
Want to take a closer look at the plan options and see how they differ We have a few tools to help you compare plans
Comparison ToolThis tool provides high-level information on plan options allowing you to compare how medical and dental plans cover various services No authentication is required to view the Comparison Tool
Health Plan EvaluatorTo access this robust tool log into My Benefits (Authentication is required) The Evaluator tool provides a more detailed estimate on your total out-of-pocket costs based on data you input including plan options estimated health care claims for yourself and covered dependents prescription drugs and other key information
Contribution Rate SummaryThis tool allows you to review and compare plan costs based on the following plan options
bull Retiree-only
bull Retiree + spouse registered domestic partner
bull Retiree + children
bull Retiree + family
Visit httpcardinalatworkstanfordedu OpenEnrollment to compare plans today
3 Review the Common Questions
See page 10 for the questions and find other benefits resources online
4 Log Into My Benefits To Enroll Starting Oct 26
Log into My Benefits (httpcawstanfordedu my-benefits) to get started
EXPLORE FOUR WAYS TO TOUR OPEN ENROLLMENT INFORMATION
8 2016 Retiree Guidebook to Benefits Open Enrollment | cardinalatworkstanfordedu
Open Enrollment Events
The following events have been scheduled to provide you more information about your retiree health plan options
BENEFITS FAIRMeet representatives from more than a dozen Stanford plan providers to learn more about their services
Date Time Location
Wednesday October 28 11 am ndash 200 pm Tresidder Memorial Union Oak Lounge West
INFORMATION SESSIONJoin our benefits experts in an hour-long session to learn more about 2016 health plans including details of whatrsquos changing and whatrsquos staying the same
Date Time Location
Wednesday October 28 1130 am ndash 1230 pm Tresidder Memorial Union Oak Lounge East
WEBINARThis online seminar presented by our benefits experts will walk you through the changes you can expect in 2016
Date Time Location
Tuesday November 3 11 am ndash 12 pm Log into httpstanfordbluejeanscom and enter Meeting ID 968022205
cardinalatworkstanfordedu | 2016 Retiree Guidebook to Benefits Open Enrollment 9
EXPLORE FOUR WAYS TO TOUR OPEN ENROLLMENT INFORMATION
FINDING YOUR WAY
Common Questions
Q If Irsquom a current Blue Shield PPO member what steps must I take during Open Enrollment
A Because the Blue Shield PPO plan is being discontinued you have two options
1 Review and elect a new plan (Blue Shield EPO Blue Shield Healthcare + Savings Stanford Health Care Alliance or Kaiser)
2 Should you choose not take any action you will automatically be enrolled in the Blue Shield Healthcare + Savings Plan which is the high deductible plan With this plan you may have a Health Savings Account (HSA) which is an account used to pay for health care costs on a post-tax basis You may sign up for an HSA by contacting HealthEquity Blue Shieldrsquos financial partner or going through another financial institution of your choice NOTE You may only sign up for an HSA if you are not enrolled in Medicare
Q Why was the Blue Shield PPO discontinued
A Stanford elected to remove the PPO plan choice due to cost Over the years the
Blue Shield PPO plan has continued to be the most expensive plan offered by the university for what retirees pay in premiums as well as what the university pays in administrative costs Additionally when looking ahead at the Affordable Care Act (ACA) excise ldquoCadillacrdquo tax to be implemented in 2018 the PPO plan is already too expensive to maintain under the current ACA thresholds
Q Why is Kaiser no longer the lowest-price plan
A In 2015 Kaiser and SHCA were both priced the same For the 2016 plan year Kaiserrsquos
proposed increase was higher than that of SHCA so the Kaiser plan is no longer the lowest-price option
10 2016 Retiree Guidebook to Benefits Open Enrollment | cardinalatworkstanfordedu
Q What are some things I can do to help me save on health care costs
A Some actions you can take to help defray costs are
Preventive CareTo stay on the healthy track be sure to take advantage of preventive care such as annual exams Preventive care is free under all of the plans as long as you stay in network
Choose generic vs brand name prescriptionsSave money on prescriptions by requesting generic or lower-cost versions of the medicine you need and by taking advantage of mail-order programs
Use urgent care facilities and limit emergency room visitsDonrsquot run to the emergency room for needs that are better suited to a doctorrsquos office or an urgent care clinic Also take advantage of your medical planrsquos advice nurse
If you choose the Blue Shield Healthcare + Savings plan stay in network and sign up for a Health Savings Account (HSA)The HSA allows you to set aside tax-deductible funds for future health care expenses on a post-tax basis The HSA may be set up directly through HealthEquity Blue Shieldrsquos financial partner or an financial institution of your choice
Note You may only sign up for an HSA if you are not enrolled in Medicare
Q As a retiree do I have access to Stanford Coordinated Care (SCC)
A Stanford Coordinated Care (SCC) is designed to provide current pre-65 active employees and their adult dependents support to manage ongoing health conditions SCC is not fully Medicare
approved and therefore is unavailable to retirees through the offered Medicare plans Once you transition to a Medicare plan SCC services are no longer available
2016 MEDICAL CONTRIBUTION RATESRetirees will receive a worksheet that outlines what they are eligible for and what it costs from Stanford Benefits in mid-October
To view dental vision and other health plan rates visit httpcardinalatworkstanfordeduOpenEnrollment
cardinalatworkstanfordedu | 2016 Retiree Guidebook to Benefits Open Enrollment 11
FINDING YOUR WAY COMMON QUESTIONS
Cardinal at Work is the new online destination for all employee-related information brought to you by University Human Resources As a retiree here are highlights of what yoursquoll experience
Benefits amp RewardsThis section is your one-stop destination for health and other benefits-related content Select ldquoMy Offeringsrdquo in the dropdown menu and choose ldquoRetireerdquo to find all the benefits and rewards available to you This is also the section where yoursquoll log into My Benefits to make your Open Enrollment elections
Learn amp GrowIn this section yoursquoll find information about the Tuition Grant Program (TGP)
ConnectIn this section yoursquoll find ways you can stay connected with the university including newsletters and other publications social channels video events and more
DESTINATION
Cardinal at Work
3160 Porter Drive Suite 250 Palo Alto CA 94304-8443
FIRST-CLASS MAIL
PRESORTED
US POSTAGE PAID
PALO ALTO CA
PERMIT NO 28
12 2016 Retiree Guidebook to Benefits Open Enrollment | cardinalatworkstanfordedu
Open Enrollment Events
The following events have been scheduled to provide you more information about your retiree health plan options
BENEFITS FAIRMeet representatives from more than a dozen Stanford plan providers to learn more about their services
Date Time Location
Wednesday October 28 11 am ndash 200 pm Tresidder Memorial Union Oak Lounge West
INFORMATION SESSIONJoin our benefits experts in an hour-long session to learn more about 2016 health plans including details of whatrsquos changing and whatrsquos staying the same
Date Time Location
Wednesday October 28 1130 am ndash 1230 pm Tresidder Memorial Union Oak Lounge East
WEBINARThis online seminar presented by our benefits experts will walk you through the changes you can expect in 2016
Date Time Location
Tuesday November 3 11 am ndash 12 pm Log into httpstanfordbluejeanscom and enter Meeting ID 968022205
cardinalatworkstanfordedu | 2016 Retiree Guidebook to Benefits Open Enrollment 9
EXPLORE FOUR WAYS TO TOUR OPEN ENROLLMENT INFORMATION
FINDING YOUR WAY
Common Questions
Q If Irsquom a current Blue Shield PPO member what steps must I take during Open Enrollment
A Because the Blue Shield PPO plan is being discontinued you have two options
1 Review and elect a new plan (Blue Shield EPO Blue Shield Healthcare + Savings Stanford Health Care Alliance or Kaiser)
2 Should you choose not take any action you will automatically be enrolled in the Blue Shield Healthcare + Savings Plan which is the high deductible plan With this plan you may have a Health Savings Account (HSA) which is an account used to pay for health care costs on a post-tax basis You may sign up for an HSA by contacting HealthEquity Blue Shieldrsquos financial partner or going through another financial institution of your choice NOTE You may only sign up for an HSA if you are not enrolled in Medicare
Q Why was the Blue Shield PPO discontinued
A Stanford elected to remove the PPO plan choice due to cost Over the years the
Blue Shield PPO plan has continued to be the most expensive plan offered by the university for what retirees pay in premiums as well as what the university pays in administrative costs Additionally when looking ahead at the Affordable Care Act (ACA) excise ldquoCadillacrdquo tax to be implemented in 2018 the PPO plan is already too expensive to maintain under the current ACA thresholds
Q Why is Kaiser no longer the lowest-price plan
A In 2015 Kaiser and SHCA were both priced the same For the 2016 plan year Kaiserrsquos
proposed increase was higher than that of SHCA so the Kaiser plan is no longer the lowest-price option
10 2016 Retiree Guidebook to Benefits Open Enrollment | cardinalatworkstanfordedu
Q What are some things I can do to help me save on health care costs
A Some actions you can take to help defray costs are
Preventive CareTo stay on the healthy track be sure to take advantage of preventive care such as annual exams Preventive care is free under all of the plans as long as you stay in network
Choose generic vs brand name prescriptionsSave money on prescriptions by requesting generic or lower-cost versions of the medicine you need and by taking advantage of mail-order programs
Use urgent care facilities and limit emergency room visitsDonrsquot run to the emergency room for needs that are better suited to a doctorrsquos office or an urgent care clinic Also take advantage of your medical planrsquos advice nurse
If you choose the Blue Shield Healthcare + Savings plan stay in network and sign up for a Health Savings Account (HSA)The HSA allows you to set aside tax-deductible funds for future health care expenses on a post-tax basis The HSA may be set up directly through HealthEquity Blue Shieldrsquos financial partner or an financial institution of your choice
Note You may only sign up for an HSA if you are not enrolled in Medicare
Q As a retiree do I have access to Stanford Coordinated Care (SCC)
A Stanford Coordinated Care (SCC) is designed to provide current pre-65 active employees and their adult dependents support to manage ongoing health conditions SCC is not fully Medicare
approved and therefore is unavailable to retirees through the offered Medicare plans Once you transition to a Medicare plan SCC services are no longer available
2016 MEDICAL CONTRIBUTION RATESRetirees will receive a worksheet that outlines what they are eligible for and what it costs from Stanford Benefits in mid-October
To view dental vision and other health plan rates visit httpcardinalatworkstanfordeduOpenEnrollment
cardinalatworkstanfordedu | 2016 Retiree Guidebook to Benefits Open Enrollment 11
FINDING YOUR WAY COMMON QUESTIONS
Cardinal at Work is the new online destination for all employee-related information brought to you by University Human Resources As a retiree here are highlights of what yoursquoll experience
Benefits amp RewardsThis section is your one-stop destination for health and other benefits-related content Select ldquoMy Offeringsrdquo in the dropdown menu and choose ldquoRetireerdquo to find all the benefits and rewards available to you This is also the section where yoursquoll log into My Benefits to make your Open Enrollment elections
Learn amp GrowIn this section yoursquoll find information about the Tuition Grant Program (TGP)
ConnectIn this section yoursquoll find ways you can stay connected with the university including newsletters and other publications social channels video events and more
DESTINATION
Cardinal at Work
3160 Porter Drive Suite 250 Palo Alto CA 94304-8443
FIRST-CLASS MAIL
PRESORTED
US POSTAGE PAID
PALO ALTO CA
PERMIT NO 28
12 2016 Retiree Guidebook to Benefits Open Enrollment | cardinalatworkstanfordedu
FINDING YOUR WAY
Common Questions
Q If Irsquom a current Blue Shield PPO member what steps must I take during Open Enrollment
A Because the Blue Shield PPO plan is being discontinued you have two options
1 Review and elect a new plan (Blue Shield EPO Blue Shield Healthcare + Savings Stanford Health Care Alliance or Kaiser)
2 Should you choose not take any action you will automatically be enrolled in the Blue Shield Healthcare + Savings Plan which is the high deductible plan With this plan you may have a Health Savings Account (HSA) which is an account used to pay for health care costs on a post-tax basis You may sign up for an HSA by contacting HealthEquity Blue Shieldrsquos financial partner or going through another financial institution of your choice NOTE You may only sign up for an HSA if you are not enrolled in Medicare
Q Why was the Blue Shield PPO discontinued
A Stanford elected to remove the PPO plan choice due to cost Over the years the
Blue Shield PPO plan has continued to be the most expensive plan offered by the university for what retirees pay in premiums as well as what the university pays in administrative costs Additionally when looking ahead at the Affordable Care Act (ACA) excise ldquoCadillacrdquo tax to be implemented in 2018 the PPO plan is already too expensive to maintain under the current ACA thresholds
Q Why is Kaiser no longer the lowest-price plan
A In 2015 Kaiser and SHCA were both priced the same For the 2016 plan year Kaiserrsquos
proposed increase was higher than that of SHCA so the Kaiser plan is no longer the lowest-price option
10 2016 Retiree Guidebook to Benefits Open Enrollment | cardinalatworkstanfordedu
Q What are some things I can do to help me save on health care costs
A Some actions you can take to help defray costs are
Preventive CareTo stay on the healthy track be sure to take advantage of preventive care such as annual exams Preventive care is free under all of the plans as long as you stay in network
Choose generic vs brand name prescriptionsSave money on prescriptions by requesting generic or lower-cost versions of the medicine you need and by taking advantage of mail-order programs
Use urgent care facilities and limit emergency room visitsDonrsquot run to the emergency room for needs that are better suited to a doctorrsquos office or an urgent care clinic Also take advantage of your medical planrsquos advice nurse
If you choose the Blue Shield Healthcare + Savings plan stay in network and sign up for a Health Savings Account (HSA)The HSA allows you to set aside tax-deductible funds for future health care expenses on a post-tax basis The HSA may be set up directly through HealthEquity Blue Shieldrsquos financial partner or an financial institution of your choice
Note You may only sign up for an HSA if you are not enrolled in Medicare
Q As a retiree do I have access to Stanford Coordinated Care (SCC)
A Stanford Coordinated Care (SCC) is designed to provide current pre-65 active employees and their adult dependents support to manage ongoing health conditions SCC is not fully Medicare
approved and therefore is unavailable to retirees through the offered Medicare plans Once you transition to a Medicare plan SCC services are no longer available
2016 MEDICAL CONTRIBUTION RATESRetirees will receive a worksheet that outlines what they are eligible for and what it costs from Stanford Benefits in mid-October
To view dental vision and other health plan rates visit httpcardinalatworkstanfordeduOpenEnrollment
cardinalatworkstanfordedu | 2016 Retiree Guidebook to Benefits Open Enrollment 11
FINDING YOUR WAY COMMON QUESTIONS
Cardinal at Work is the new online destination for all employee-related information brought to you by University Human Resources As a retiree here are highlights of what yoursquoll experience
Benefits amp RewardsThis section is your one-stop destination for health and other benefits-related content Select ldquoMy Offeringsrdquo in the dropdown menu and choose ldquoRetireerdquo to find all the benefits and rewards available to you This is also the section where yoursquoll log into My Benefits to make your Open Enrollment elections
Learn amp GrowIn this section yoursquoll find information about the Tuition Grant Program (TGP)
ConnectIn this section yoursquoll find ways you can stay connected with the university including newsletters and other publications social channels video events and more
DESTINATION
Cardinal at Work
3160 Porter Drive Suite 250 Palo Alto CA 94304-8443
FIRST-CLASS MAIL
PRESORTED
US POSTAGE PAID
PALO ALTO CA
PERMIT NO 28
12 2016 Retiree Guidebook to Benefits Open Enrollment | cardinalatworkstanfordedu
Q What are some things I can do to help me save on health care costs
A Some actions you can take to help defray costs are
Preventive CareTo stay on the healthy track be sure to take advantage of preventive care such as annual exams Preventive care is free under all of the plans as long as you stay in network
Choose generic vs brand name prescriptionsSave money on prescriptions by requesting generic or lower-cost versions of the medicine you need and by taking advantage of mail-order programs
Use urgent care facilities and limit emergency room visitsDonrsquot run to the emergency room for needs that are better suited to a doctorrsquos office or an urgent care clinic Also take advantage of your medical planrsquos advice nurse
If you choose the Blue Shield Healthcare + Savings plan stay in network and sign up for a Health Savings Account (HSA)The HSA allows you to set aside tax-deductible funds for future health care expenses on a post-tax basis The HSA may be set up directly through HealthEquity Blue Shieldrsquos financial partner or an financial institution of your choice
Note You may only sign up for an HSA if you are not enrolled in Medicare
Q As a retiree do I have access to Stanford Coordinated Care (SCC)
A Stanford Coordinated Care (SCC) is designed to provide current pre-65 active employees and their adult dependents support to manage ongoing health conditions SCC is not fully Medicare
approved and therefore is unavailable to retirees through the offered Medicare plans Once you transition to a Medicare plan SCC services are no longer available
2016 MEDICAL CONTRIBUTION RATESRetirees will receive a worksheet that outlines what they are eligible for and what it costs from Stanford Benefits in mid-October
To view dental vision and other health plan rates visit httpcardinalatworkstanfordeduOpenEnrollment
cardinalatworkstanfordedu | 2016 Retiree Guidebook to Benefits Open Enrollment 11
FINDING YOUR WAY COMMON QUESTIONS
Cardinal at Work is the new online destination for all employee-related information brought to you by University Human Resources As a retiree here are highlights of what yoursquoll experience
Benefits amp RewardsThis section is your one-stop destination for health and other benefits-related content Select ldquoMy Offeringsrdquo in the dropdown menu and choose ldquoRetireerdquo to find all the benefits and rewards available to you This is also the section where yoursquoll log into My Benefits to make your Open Enrollment elections
Learn amp GrowIn this section yoursquoll find information about the Tuition Grant Program (TGP)
ConnectIn this section yoursquoll find ways you can stay connected with the university including newsletters and other publications social channels video events and more
DESTINATION
Cardinal at Work
3160 Porter Drive Suite 250 Palo Alto CA 94304-8443
FIRST-CLASS MAIL
PRESORTED
US POSTAGE PAID
PALO ALTO CA
PERMIT NO 28
12 2016 Retiree Guidebook to Benefits Open Enrollment | cardinalatworkstanfordedu
Cardinal at Work is the new online destination for all employee-related information brought to you by University Human Resources As a retiree here are highlights of what yoursquoll experience
Benefits amp RewardsThis section is your one-stop destination for health and other benefits-related content Select ldquoMy Offeringsrdquo in the dropdown menu and choose ldquoRetireerdquo to find all the benefits and rewards available to you This is also the section where yoursquoll log into My Benefits to make your Open Enrollment elections
Learn amp GrowIn this section yoursquoll find information about the Tuition Grant Program (TGP)
ConnectIn this section yoursquoll find ways you can stay connected with the university including newsletters and other publications social channels video events and more
DESTINATION
Cardinal at Work
3160 Porter Drive Suite 250 Palo Alto CA 94304-8443
FIRST-CLASS MAIL
PRESORTED
US POSTAGE PAID
PALO ALTO CA
PERMIT NO 28
12 2016 Retiree Guidebook to Benefits Open Enrollment | cardinalatworkstanfordedu
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