2018 Benefits Open Enrollment: October 23 – November 3
Campus Open Enrollment Benefits Fair Schedule
Campus/Location Date TimeUniversity of New Hampshire School of Law – Concord
2 White Street
Tenney Conference Room
Monday
October 23, 2017
11:30 a.m. – 1:00 p.m.
Granite State College – Concord
25 Hall Street
Tuesday
October 24, 2017
10:30 a.m. – 1:30 p.m.
University of New Hampshire – Durham
Memorial Union Building
Granite State Room
Wednesday
October 25, 2017
10:30 a.m. – 1:30 p.m.
Plymouth State University
PSU Ice Arena
Welcome Center
Thursday
October 26, 2017
10:00 a.m. – 2:00 p.m.
Keene State College
Young Student Center
Mountain View Room
Friday
October 27, 2017
9:00 a.m. – 1:00 p.m.
12018 Enrollment Guide
It’s time to make your benefits elections for 2018! This Enrollment Guide highlights the benefits available to you and your family starting January 1, 2018. Find more information about 2018 coverage options in the Medical Plan Comparison and Cost Summary, included in your Benefits Open Enrollment packet, and online at MyUSNHBenefits.net.
Enroll Starting October 23 for 2018 Benefits
Don’t Default! Benefits Open Enrollment is active, which means you must enroll to have the coverage you want starting January 1, 2018. If you don’t enroll in medical coverage, you will default into the lowest option plan with Employee Only coverage, subject to eligibility. If you waived coverage for 2017 and don’t make coverage elections for 2018, you will continue to have waived coverage for 2018.
Cash Back Incentives for Coverage Elections. If you’re in a status 75%–100% appointment and you’re not covered under another
employee’s USNH Medical or Dental Plan, you’re eligible for cash back if you waive certain benefits, including medical and dental.
2018 BENEFITS OPEN ENROLLMENT When You Can EnrollYou must enroll, change or waive coverage during the 2018 Benefits Open Enrollment period: October 23 – November 3, 2017. Benefits Open Enrollment is the only time you can enroll or change your benefits elections for 2018, unless you experience a qualified change of status during the year (such as marriage, divorce or the birth of a child).
Who You Can CoverYou can elect coverage for yourself and any eligible dependents. Visit MyUSNHBenefits.net for a list of eligible dependents. If you’re enrolling dependents for the first time, you have 30 days from your enrollment date to provide dependent eligibility verification documents at MyUSNHBenefits.net or to your campus Human Resources Office.
What Your Benefits CostBi-weekly payroll deductions for the Medical Plans are available in the Medical Plan Comparison and Cost Summary, included in this Benefits Open Enrollment packet. Payroll deductions for dental and vision coverage are included in this guide. Your cost will depend on the options you elect and the eligible family members you cover.
MEDICAL AND PRESCRIPTION DRUG PLANSYou can choose from three Open Access Plus Medical Plans administered by Cigna. All plans:
• Provide access to Cigna’s nationwide network of doctors and hospitals
• Don’t require you to select a primary care provider
• Cover the same services, including preventive care (generally covered at 100% in-network), emergency services, in-patient and out-patient care
• Include prescription drug coverage, administered by OptumRx
• Offer a fitness club membership benefit of up to $500 per year, provided eligibility requirements are met.
For each plan, you share in the cost of services through deductibles, copayments and/or coinsurance. And, you’re protected from the high cost of large medical bills by an annual out-of-pocket maximum. The out-of-pocket maximum is the most you will pay for covered services in a calendar year before the plan pays 100% of covered expenses.
Review your Medical Plan Comparison and Cost Summary for coverage details and costs.
2 University System of New Hampshire
Take a Closer Look at the Open Access Plus Health Savings Account (HSA) Plan If you meet eligibility guidelines and enroll in this plan, you can open a Health Savings Account to pay for eligible qualified health care expenses, tax-free!
Here’s how:
• USNH will provide a contribution to your HSA and you can contribute your own money, tax-free, up to the IRS limits (if you’re eligible).
• You can use your account to pay for eligible medical expenses, like copays/coinsurance, your deductible and prescription drugs.
• You can contribute a maximum of $3,450 for Employee Only coverage/$6,900 for All Other Coverage Levels, combined employee and employer contributions.
• If you will be 55 by December 31, 2018, you can contribute $1,000 more to your HSA.
• You can take your HSA with you if you leave USNH or retire.
• The money in your account grows tax-free from investment returns and you’re not taxed on withdrawals.
To be eligible for the Health Savings Account you must be enrolled in the Open Access Plus HSA plan and not be enrolled in Medicare or any other health insurance coverage. In addition, if you have a 2017 Healthcare Flexible Spending Account, you must have a zero balance on December 31, 2017. Visit MyUSNHBenefits.net to view a short video on the advantages of the HSA!
How to Decide on a Medical Plan • How much health care do you expect to use?
Remember—the most expensive plan option isn’t always the best option for you. If you don’t expect to spend a lot on health care services or prescription drugs, consider the Open Access Plus HSA plan. You’ll pay less out of each paycheck for coverage, and only pay for the services you use.
• Do you have the resources to pay for health care expenses? In the Open Access Plus HSA plan, USNH’s HSA contribution will help you pay your out-of-pocket costs. However, consider whether you will have the resources to pay the full cost of medical services until you reach the deductible.
• Do you want to build tax-free savings for future health expenses? The HSA is the only tax-advantaged account that rolls over from year to year.
Need help with your Medical Plan decisions? Want to chat with a Medical Plan expert, view your coverage or find a provider in your area? Access the Cigna One Guide by downloading the myCigna mobile app or calling 1-800-CIGNA24 today!
IMPORTANT DEFINITIONS TO KEEP IN MIND• Annual deductible: The amount you generally pay each calendar year for covered services
before the plan starts paying benefits.
• Annual out-of-pocket maximum: A limit on the total amount you pay each calendar year for covered services (deductibles, copays and coinsurance). The Medical Plan you choose may have a separate annual prescription drug out-of-pocket maximum for covered prescription drug copays.
• Coinsurance: A percentage of the cost of covered services you pay, generally after you meet the annual deductible and before you meet the annual out-of-pocket maximum.
• Copays: The flat dollar amount you pay for covered services before you meet the annual out-of-pocket maximum.
32018 Enrollment Guide
DENTAL PLANSUSNH offers two Dental Plans administered by Northeast Delta Dental.
2018 USNH Dental Plans Overview
Feature/Service Basic Option High Option
Diagnostic/Preventive
Covered at 60% Covered at 100%
Basic Restorative Covered at 50% after deductible
Covered at 80% after deductible
Major Restorative Covered at 40% after deductible
Covered at 50% after deductible
Calendar Year Benefit Maximum Per Covered Person
$1,000 $1,500
Deductible $25 per person, per calendar year
$25 per person, per calendar year
Orthodontics Covered at 50% for dependent children age 19 or under; lifetime maximum of $1,000
Covered at 50% for adults and dependent children; lifetime maximum of $1,500
Your dental coverage cost depends on the plan you choose and whether you cover yourself only or yourself and one or more family members:
2018 Bi-Weekly Payroll Deductions*
Employee Two Person Family
Basic Option $0.00 $11.69 $27.16
High Option $11.63 $33.35 $64.10
*Assumes 100% time and 26 pay periods.
FLEXIBLE SPENDING ACCOUNTSUSNH offers two Flexible Spending Accounts administered by WageWorks.
Healthcare Flexible Spending Account (FSA)You can participate in a Healthcare FSA (unless you’re enrolled in the Open Access Plus HSA plan) to pay for eligible health care expenses, such as your deductible, copays and coinsurance. You can contribute up to $2,600 for the 2018 calendar year.
Dependent Care Flexible Spending Account (FSA)You can put aside pre-tax money to pay for qualified dependent day care expenses, such as preschool, before/after-school programs, or child/elder care for eligible dependents. You can contribute up to $5,000 per calendar year if you are married and filing jointly or single, and up to $2,500 per calendar year if you are married and filing separately for 2018.
VISION PLANYour vision coverage is provided by Vision Service Plan (VSP) and includes coverage for exams, as well as an allowance for eyeglass lenses, frames or contact lenses. The allowance is increasing to $200 for 2018. You can see any provider you choose—but your out-of-pocket costs will be lower if you see a VSP preferred provider.
Your vision coverage cost depends on whether you cover yourself only or yourself and one or more family members:
2018 Bi-Weekly Payroll Deductions*
Employee Two Person Family
$2.82 $5.64 $9.06 *Assumes 100% time and 26 pay periods.
Your voluntary vision benefits are improving for next year! The allowance for lenses, frames and contact lenses is increasing to $200, plus you’ll pay less in bi-weekly payroll deductions for 2018.
If you want to contribute to a Healthcare Flexible Spending Account and/or a Dependent Care Flexible Spending Account for 2018 you must enroll! Your FSA elections will not carry over to 2018, even if you have an FSA in 2017.
4 University System of New Hampshire
LIFE AND ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) INSURANCELife and Accidental Death & Dismemberment (AD&D) Insurance, offered through The Standard Insurance Company, provides a lump sum payment to your beneficiaries in the event of your death or to you if you experience certain injuries.
If you are actively working, you can increase your coverage one level or decrease coverage to any level during Benefits Open Enrollment or when you have a qualified change of status.
Coverage Options
$10,000
1.5 times regular annual budgeted salary
3 times regular annual budgeted salary*
4.5 times regular annual budgeted salary*
*Rates for additional Life Insurance are subject to change throughout the year due to age and/or salary changes.
LONG TERM DISABILITY INSURANCELong Term Disability Insurance, offered through MetLife, provides an income benefit to you should you become disabled due to a non-work-related illness or injury.
If you are actively working, you can increase your coverage one level or decrease coverage to any level during Benefits Open Enrollment or when you have a qualified change of status.
Percent of Regular Budgeted Annual Salary Maximum Monthly Benefit
50% Option $5,000
60% Option $5,000
66 2/3% Option* $15,000*Rates for the 66 2/3% option are subject to change throughout the year due to age and/or salary changes.
NEW! ENROLL FOR VOLUNTARY SHORT TERM DISABILITY INSURANCE DURING 2018 BENEFITS OPEN ENROLLMENT.
Voluntary Short Term Disability Insurance, administrated by MetLife, can be your safety net for continued income if you can’t work because of a non-work-related injury or illness. For 2018, you must elect or waive coverage for voluntary Short Term Disability Insurance during Benefits Open Enrollment. To view your cost of coverage and benefit summaries, go to MyUSNHBenefits.net. Rates are subject to change throughout the year due to age and/or salary changes.
ADDITIONAL VOLUNTARY BENEFITS
Benefit Information
Voluntary Short Term Disability Insurance
• Replaces 60% of weekly income for up to 26 weeks, after you’ve been unable to work for one day because of a non-work-related accident or seven days because of a non-work-related illness
Voluntary Hospital Indemnity Insurance
• Helps ease the financial impact of a hospitalization
• Works with your other medical coverage to help pay for out-of-pocket expenses that result from a hospital stay
52018 Enrollment Guide
ENROLLING FOR COVERAGE
Log on at MyUSNHBenefits.net with your user name and password.
CAMPUS CONTACTS
Campus Human Resources Contacts
Keene State College Karyn Kaminski 603-358-2486 [email protected]
University of New Hampshire Kimberly Marsh 603-862-0509 [email protected]
Plymouth State University Sharon Osgood 603-535-3188 [email protected]
Granite State College Anne DuBois 603-513-1371 [email protected]
University of New Hampshire–Manchester Stacey Silva 603-641-4166 [email protected]
System Office Susan Poole 603-862-0953 [email protected]
2018 Benefits Open Enrollment: October 23 – November 3
The information in this Enrollment Guide describes only some of the key features of certain USNH benefit plans. If there is any conflict between this material and the official plan documents, the plan documents will govern. USNH has the right to amend or terminate the plans at any time, with or without notice. In addition, this Guide is not an employment contract, and employment is not guaranteed by your participation in any of the plans described in it.
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