Transcript Slide 1

Benefits Open Enrollment
November 1-30, 2012
Presentation Overview
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UPlan Benefit Changes for 2013
Open Enrollment Basics
Open Enrollment Assistance
Common Questions
UPlan Benefit Changes for 2013
No Copays on Select Medications in 2013
• Generic Plus contraceptives
– Formulary and non-formulary contraceptives—one copay for 90 day
supply
• Certain preventative prescription medications
– Breast cancer
– Fluoride supplements
– Tobacco cessation
• Certain over-the-counter medications with a prescription
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81mg aspirins
Folic acid supplements
Tobacco cessation medications
Iron
Vitamin D supplements
No Copays on Select
Medical Services in 2013
• Lactation counseling and supplies, such as breast pumps
• Counseling
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HIV
Sexually transmitted diseases
Domestic violence
Personal violence
Reduced Costs of Emergency Services
• Out-of-network Emergency Services now covered at
the higher in-network benefits
• Emergency ambulance
• Emergency room visits
• Emergency hospital admissions
• Urgent care
New Offering:
Consult A Doctor 24/7
• 24/7 phone or online advice from physicians for medical nonemergencies
• Copay is $10
• To register:
• Call a Medica care coordinator at 1-855-993-7633, or
• Visit www.medica.com/consultadoctor and click on
“Activate Account”
What will UPlan Members pay for
Medical and Dental Coverage in 2013?
• Standard employee contributions for medical
coverage will increase by 5.3% — lower than many
other medical plan increases in the market.
• Qualified Wellness Points Bank participants will pay
less than they did in 2012.
• No change to dental rates.
Help for Lower-Paid Employees to
Pay Medical Coverage Premiums
• Medical premium relief program extended through
June 2013.
• Credit based on plan selected and household income.
• Credits range from $100-$225
• Pro-rated credit appears in each paycheck through
June 2013.
• Current participants do not need to re-apply if
coverage status is the same.
• New applications are being accepted through the
December 17, 2012 deadline.
2013 Wellness Points Bank Enhancements
• Longer program year (October 1, 2012—August 31, 2013)
• Increased points values for some activities
• Fit Choices now worth 75 points
• Bike Commuter program now worth 75 points
• Medical Condition Management now worth 200
points
• New Wellness My Way option
2013 Flexible Spending Account Changes
• Maximum reduced from $5,000 to $2,500 per employee for
health care accounts
• ADP Benefit Solutions is new FSA administrator.
• FSA debit card used to pay doctor and pharmacy copays
• Daily claims processing
• Participants will need to register bank account information with
ADP for direct deposit.
• Real-time, online account information
• http://storyportfolio.com/ADP/FSASolutions/employees/
2013 Short-Term Disability Coverage
• Employees can increase their existing amount of
coverage up to $200 per month, without
providing evidence of good health, but cannot
exceed the monthly maximum.
• For more information about short-term disability
coverage visit
www.umn.edu/ohr/benefits/disability/shortterm
Open Enrollment Basics
When and How to Enroll
• Open enrollment is November 1-30, 2012.
• You can make changes to your benefits
selections online at http://hrss.umn.edu.
• If you or your dependent are age 45 or older,
you will need to provide your Social Security
Number.
During Open Enrollment You Can:
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Add or cancel Medical or Dental coverage
Select a different Medical or Dental plan
Change your designated dependents
Choose to participate in the Health Care or
Dependent Daycare Flexible Spending
Accounts
During Open Enrollment You Can:
• Increase your amount of Short-term Disability
coverage up to $200 per month.
• Select or change the benefit amount of your
voluntary Long-term Disability Coverage (Civil
Service and Labor Represented employees
only).
No need to go online and make any
changes, unless you want to:
• Set up a FSA account for 2013.
• Change your Medical or Dental Plan or
dependent coverage.
– To change your clinic election only, just call Medica:
952-992-1814 or 1-877-252-5558.
• Increase your Short-term Disability coverage.
• Add or increase your Long-term Disability
coverage.
Open Enrollment Assistance
Open Enrollment Assistance
• Phone: 612-624-9090 or 1-800-756-2363,
Option 2
• Email: [email protected]
• Benefits Fairs
• Computer Labs (Twin Cities): Room 315
Donhowe Bldg.
– Nov. 21, 28, 29, and 30 (8 a.m. – 4:30 p.m.)
Benefits Fairs
• Duluth: Nov. 1
– Kirby Student Center Ballroom, 10 a.m. to 2:30 p.m.
• St. Paul: Nov 7
– St. Paul Student Center North Star Ballroom, 10 a.m. to
4:30 p.m.
• Minneapolis: Nov. 8
– Coffman Memorial Union Great Hall, 10 a.m. to 4:30 p.m.
• Morris: Nov 12
– Oyate Hall, UMM Student Center, 11 a.m. to 1 p.m.
• Cookston: Nov. 13
– Prairie Lounge Student Center, 11 a.m. to 12 p.m.
Enrollment Information
Enrolling Online
• New employees hired before December 1 may make
two elections to participate in FSA for 2012 and
2013
• Multiple elections can be made online, but not at the
same time; wait a day between enrollments
• Benefits will send an e-mail to affected employees
• Employees with appointments ending prior to
January 1, 2013, cannot enroll online - they are not
anticipated to be active employees in 2013
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Open Enrollment Communications
• Employees with enrolled same-sex domestic
partners will receive a letter and instructions for
Open Enrollment. Elections can be made online if
currently enrolled, or on paper, if not.
• Materials are sent to employees on LOA & to those
without computer access
• An e-mail will be sent on November 1 to announce
the start of Open Enrollment
• A final reminder will be sent near the end of
November
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Benefit Materials for 2013
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U & Your Benefits newsletters
Guide for UPlan Benefits Open Enrollment
COBRA instructions & rates
Benefit summaries for prospective employees
Summary of Benefits for Medical & Dental Plans
Managers Toolkit on OHR website
http://www.umn.edu/ohr/debcp/index.html
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Common Questions
Will I receive a printed
Open Enrollment Booklet?
• Open enrollment booklets will be posted
online.
• Select employees will receive a printed
booklet.
• Everyone will receive a printed open
enrollment newsletter with enrollment
details.
– Will arrive in your campus mailbox
Will HealthPartners Medical Group Clinics
be available through Medica?
• All HPMG clinics will still be available in Tier 1
of Medica Insights.
– Includes Como & Riverside clinics and Regions
Hospital
– However, UMP clinics will move from Tier 3 down
to Tier 2 in Insights.
• Limited HPMG clinics are available in Medica
Elect/Essential, Choice & HSA.
Who can I cover on my
UPlan Medical and Dental Plans?
• Yourself
• Your spouse or registered same-sex domestic
partner
• Your dependent children to age 26
• For the definition of eligibility visit
www.umn.edu/ohr/benefits/eligibility/index.html
With Medica, will I need
a referral to see a specialist?
• Some Medica Plans do not require a referral to see an
in-network specialist.
– Medica Insights
– Medica Choice National
– Medica HSA
• Medica Elect/Essential have special guidelines.
– No referral needed in your care system
– Referral needed to see an in-network provider who is not
in your care system.
• For all plans, you’ll need a referral from your care
system and Medica to receive in-network benefits from
an out-of-network provider.
Will I receive New Medical
and Dental ID Cards?
• Members will receive a new card from Medica
and from Delta Dental if that is their dental
plan.
• New enrollees will receive HealthPartners
Dental and Prime Therapeutics Pharmacy
cards.
• Replacement cards can be obtained from your
health plan.
Will flu shots be available this year?
• Yes, seasonal flu shots will be available at no
cost.
– On campus
• Walk-in clinics and flu clinics
– On the Twin Cities campus schedule an appointment
online at www.bhs.umn.edu/public-health/flu.htm
• Employee Health & Benefits Fairs
– Your medical clinic
– Retail pharmacies (no cost if pharmacy is in Prime
Therapeutics’ network)
Who is eligible for the Medication
Therapy Management Program?
• You are eligible if you take four or more
medications for chronic conditions.
• The program offers:
– UPlan-paid consultations with a MTM pharmacist
(HSA members pay full cost of consultations.
– $10 copy reduction for all Generic Plus and Brand
medications for six month
How do I contact the Health Plans?
• Medica
– 952-992-1814
– 1-877-252-5558
• Delta Dental
– 651-406-5916
– 1-800-448-3815
• HealthPartners Dental
– 952-883-5000
– 1-800-883-2177
• Prime Therapeutics
– 1-800-727-6181
• Fairview Specialty Pharmacy
– 612-672-5289
– 1-877-509-5115
How does the Wellness Points
Bank work?
• Accumulate points for participating in Wellness Points
Bank activities
• Must earn the minimum number of points by August
31.
– 300 points for employee-only or employee plus children
– 400 points for employees who cover a spouse/same-sex
domestic partner
• Covered spouses/partners can contribute up to 100 of the 400
total points required.
• Receive either a $300/$400 reduction in your 2014
UPlan Medical Program rates.
How do I earn Wellness Points?
Wellness Activity
Points
Wellness assessment
100
Biometric health screening
100
NextSteps health coaching for a medical condition
200
NextSteps health coaching for lifestyle change
150
Face-to-face health coaching
150
Tobacco cessation program
150
Weight management
150
Bicycle commuter program
75
Fit Choices
75
Healthy Pregnancy
50
Online Healthy Living program
50
Step It Up! Walking program
50
Wellness My Way
50
Annual flu shot pledge
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Non-tobacco user pledge
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Wellness My Way
• Self-directed approach to reach a personal wellness
goal and increase wellness points
• Earn 50 points for completing your goal by August 31
• Examples of Wellness My Way activities:
• Athletic events, such as marathons, triathlons, 10k walks
• U of M sponsored programs, such as GSX or MBSR
• Regular exercise at home, such as a treadmill or swimming
pool
• Alternative weight management programs
• Team sports or fitness classes, such as yoga, zumba, tennis
• Self-report activity in the Wellness Points Bank
2012 Results
• 13,987 Wellness Assessment participants (including
spouses/partners)
• Up from 10,800 in 2011
• Health screening participants
• 7,535 versus 951 in 2011
• On-site Health Coaching
• 474 versus 173 in 2011
• Fit Choices participation
• 59% earned credit versus 48% in 2011
• 5,756 UPlan members achieved their point goal and
premium reduction
• Up from 2,933 with follow-up programs in 2011
Return on Investment – 2006 - 2010
• Compared Wellness Program participants with
those eligible and declined
• Disease Management – reduced employee
health care costs by $2,073 per participant year
• Lifestyle Management – reduced health care
costs for spouses and dependents by $2,401
Return on Investment – 2006 - 2010
2006 – 2008
Health Care
Cost Savings
Program Costs
$16,626,209
Program Savings Employees
$27,427,863
+ Spouses &
Dependents
$1,853,572
Total
$29,281,435
ROI per $1.00 Invested
$1.65
$1.76
Second positive ROI for total wellness program
Saved $1.76 for every $1.00 invested in total program
28% reduction in hospitalizations.
Do you have a Wellness Advocate
for your Department?
• Wellness Advocates Program:
• Looking for Wellness Advocates from each
College, Department
• Lead departmental Wellness initiatives
• Wellness Program to provide support, materials,
and training
• Plus special programs for wellness advocates
• Interested? Email to [email protected]
Enroll Now
• Open Enrollment, November 1-30, 2012
• Enroll at http://hrss.umn.edu
• Coverage changes made during Open
Enrollment are effective on January 1, 2013.