Transcript Slide 1

Community College System of New Hampshire
Employee Benefits Informational Sessions
Informational Sessions
• Anthem Blue Cross and Blue Shield Health Plans
– Overview
– Health Reimbursement Account
• Compass: Shopping for Health Care
• Delta Dental: Dental Plan
– Overview
• Vision Plan: DeltaVision®
• Life and Disability Benefits: The Standard
• Combined Services: Flexible Spending Account
• Questions??
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Open Enrollment Dates: IMPORTANT
Open Enrollment Dates
November 3rd to November 24th
www.ccsnh.edu/about-ccsnh/human-resources
Passive Enrollment – Medical Only
• Employee Coverage will be transitioned from current medical plan
to Anthem Blue Choice NEW ENGLAND Network
• Employees requesting to enroll in the NATIONAL plan must make
the election.
Medical Buy Out
Mandatory: Login and election MBO and provide proof of coverage
(not automatically enrolled in MBO)
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Anthem Blue Cross and Blue Shield
• Stay healthy with Preventive Care coverage
Preventive Care
100% In-Network
• Health Reimbursement Account provided by CCSNH
to employees for payment of services that go
towards the deductible
• In Network and Out of Network structure on the
Blue Choice Point of Service (POS) plan
• Family plan claims for all family members go
towards the deductible
HRA
Funded by your
employer to help satisfy
annual deductible
Annual Deductible
• After the annual deductible, Traditional Health
Coverage covers additional expenses
• An annual out-of-pocket maximum protects you
from large medical expenses
Traditional Health
Coverage
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Anthem Blue Cross and Blue Shield
• NETWORK: Blue Choice Blue New England
o Primary Care Physician referrals are NOT Required
o Services OUTSIDE the network – subject to 30% coinsurance over the
deductible up ($10,000 [2x] Out of pocket)
• OPTION: National Network
o National Network / Preferred Blue
o No Referrals
o NO Primary Care Physician
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Blue Choice New England: In Network
Single
Preventive
Family
No cost
No deduction from HRA with in-network providers
(Non-Network preventive services subject to deductible)
HRA (funded by CCSNH)
$2,500
$5,000
Plan Deductible
$2,500
$5,000
Coinsurance
100%
Prescriptions
Deductible then:
$10 Generic, $35 Preferred Brand Name.
$50 Brand Name
Mail order: (2x, 2x, 3x)
Out of Pocket Maximum
$5,000
$10,000
National Plan: In Network
Single
Preventive
Family
No cost
No deduction from HRA with in-network providers
(Non-Network preventive services subject to deductible)
HRA (funded by CCSNH)
$2,500
$5,000
Plan Deductible
$2,500
$5,000
Coinsurance
100%
Prescriptions
Deductible Only
Out of Pocket Maximum
$2,500
$5,000
Health Reimbursement Account
•
In Network Providers will bill Anthem directly and be paid directly out of
the HRA account until the deductible is met
•
Members do NOT need to submit anything to Anthem unless they visit
an Out of Network Provider
•
The HRA will cover the entire deductible for medically necessary
services and covered for any services provided by an In Network Provider
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How Does the Deductible Work?
• Single: Subject to the Individual deductible ($2,500).
• Family: Subject to the Family Deductible ($5,000). One or more members
may contribute to and meet the entire Family deductible. Once the
Family Deductible is met, all the members on the policy are considered to
have met their deductible.
• Example: If a CDHP family deductible is $5,000, one person may
contribute $5,000 to meet the entire family deductible OR two or more
people on same plan may contribute any amount ($1,000 + $3,000 +
$1,000) to equal the $5,000 family
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Prescription Plan
1.
Present your ID card when you visit a pharmacy to make sure they
receive the right discount for their prescription.
2.
At in-network pharmacies prescription expenses will be paid directly
from the HRA. A claim will automatically be filed for the member, and
the full discounted cost of the prescription will be deducted
automatically from the HRA.
3.
Once you’ve met your deductible and your traditional health coverage
has kicked in, you’ll pay only the copay at the pharmacy, up to your
plan’s annual out-of-pocket maximum.
4.
If you have met your annual out-of-pocket maximum, the plan will pay
100% of the cost of your covered medications in network.
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Earn Rewards
• Earn rewards in the form of gift cards for the following
o Completing the MyHealth Assessment online, $50 gift card
o Enroll in Health Coaching Program, $100 gift card
o Graduate form Health Coaching Program, $200 gift card
• Other opportunities to earn gift card rewards for Tobacco Free and
Healthy Weight programs
• Fitness Benefits:
o Fitness equipment reimbursement $200 per full time employee per
year or
o Health Club Benefit up to $450 per full time employee per year
• Register on anthem.com and find specials offers at: SpecialOffers@anthem
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Compass Healthcare
• Easy to Use: SmartShopper allows members to shop online or by phone
for specific health care services. Members are able to access the
information needed for their procedure in a short amount of time in order
to be more informed medical consumers.
• Provides Choice: Members are presented with cost-effective options in
their geographic area that qualify for financial rewards based on Compass
procedure rankings.
• Rewards Cost-Effective Decisions: Members are rewarded with financial
incentives by choosing to have their elective procedures performed at
Compass-identified cost-effective locations.
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Compass Healthcare
What do you need to know in order to use SmartShopper?
• Everyone covered on your health plan is eligible to use SmartShopper.
• Shopping takes only minutes: A two minute phone call, or a few mouse
clicks gives you the cost-effective information you need.
• To earn an incentive, shopping must occur AT LEAST 24 HOURS prior to the
scheduled procedure.
• Use a cost effective location and your reward will be mailed to you
automatically within 45 days from the time your claim is processed.
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Dental Plan: Delta Dental
Benefit
Deductible (Major / Restorative only)
Annual Maximum Benefit
$25 Per Person
$1,500 Per Person
Preventive Services
100%
Basic Services
80%
Major / Restorative (deductible applies)
50%
Orthodontics
50%
Orthodontics Lifetime Maximum
$1,500
Dental Plan: Delta Dental
Don’t Forget to Stretch your annual maximum dollars!
 Seeing a PPO provider can save you money
 If your dentist does not participate in the PPO Network, you still have
the safety of the Premier Network
 The PPO Network is new, only 24% of dentists in NH participate today,
but it is growing . . .
 If your dentist participates in the Delta Dental PPO Network, then your
annual maximum will go further.
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Dental Plan: Delta Dental
• CUSTOMER SERVICE:
o 800-832-5700
o WWW.NEDELTA.COM
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Life Insurance: The Standard
• LIFE INSURANCE: 100% Paid by CCSNH
o ONE Times Annual earnings
o Minimum Benefit of $25,000
o Maximum Benefit of $200,000
o Equal amount of Accidental Death Benefits
o Eligibility: 37.5 Hours
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Long Term Disability: The Standard
• Long Term Disability: 100% Paid by CCSNH
o Eligibility: 37.5 Hours Per Week
o Benefit:
o 60% of Earnings
o Maximum Benefit of $6,000 per Month
o Waiting Period: 180 days (6 months)
o Benefit Period: to age 65 (if 62+, benefit period is adjusted)
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CCSNH
Voluntary Benefits
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Vision Plan: DeltaVision®
Services Every 12 Months
Annual Vision Exam
Frames
Standard Plastic Lens
Contact Lens
(in place of frame lenses)
Network
Non-Network
(Reimbursement)
$10 Copay
$35
$130 Allowance
$65
$25 Copay
Single: $25 copay
Bi-focal: $40 copay
Tri-focal: $55 copay
$130 Allowance
Conventional: $104
Disposable: $104
100% Employee Paid
Vision Plan: DeltaVision ®
• NETWORK: EyeMed “ACCESS NETWORK”
o Local Provider
o Lens Crafters
o Sears Optical
o Pearle Vision
o Target Optical
o J.C. Penney Optical
o If your provider is not in-network, they can be at their request
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Vision Plan: DeltaVision ®
• CUSTOMER SERVICE: 866-723-0513
o WWW.EYEMEDVISIONCARE.COM
o Monday to Saturday, 7:30 AM to 11:00 PM, EST
o Sunday, 11:00 AM to 8:00 PM, EST
• CLAIMS:
o Network: Show your ID Card to the provider and they take care of
the rest
o Non-Network: Pay in advance for the service and submit a claim
form for reimbursement
• NEAREST PROVIDER to White Mountains Community College
o Tremaine Opticians, 148 Main Street, Berlin, NH (603-752-3382)
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VOLUNTARY Life Insurance: The Standard
• VOLUNTARY LIFE INSURANCE and AD&D: 100% Employee Paid
o Prior Eligible Applicants: Subject to Underwriting
o Employee:
o Units of $25,000
o Maximum of $100,000
o Minimum of $25,000
o Spouse:
o Maximum: Lesser of $100,000 or 100% of Employee Election
o Plan 1: Units of $10,000 without AD&D
o Plan 2: Units of $25,000 WITH AD&D
o Children:
o $3,000 Benefit
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Flexible Spending Account
Employee Savings
 Monthly Account Fee: Paid by Employee
o FSA Administration Fee: $3.65 per month
o Dependent Care Administration Fee: $3.65 per month
 Minimum Health Care Annual Contribution: $200
 Minimum Health Care Annual Contribution: $2,500
 Maximum Dependent Care Annual Contribution: $5,000
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Open Enrollment
• Health Plan:
• Select the PPO / National Plan
• Change your election
Open Enrollment Dates
• Add / Drop dependents
rd to
• Dental Plan:
• Change your election
November 24th
• Add / Drop Dependents
• Vision Plan: Enroll for benefits
• Voluntary Life: Enroll for benefits / Change election
• Flexible Spending: Continue / Enroll for benefits
• Medical Buy Out: Continue / Enroll for benefits
www.ccsnh.edu/about-ccsnh/human-resources
November 3
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Questions??
Tom Harte
Landmark Benefits, Inc.
20 Mary E. Clark Drive, Ste. 10
Hampstead, New Hampshire 03841
P: 603-329-4535
www.landmarkbenefits.com
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