OPEN ENROLLMENT UNIVERSITY OF MIAMI middot rsquoCANES TOTAL REWARDS middot OCTOBER 10 THROUGH NOVEMBER 2 2016

ITrsquoS TIME TO THINK ABOUT YOUR rsquoCANES TOTAL REWARDS

The U wants you to feel valued and have the opportunity to add value We offer you a comprehensive rsquoCanes Total Rewards package including pay benefits recognition programs training and development and a healthy work environment

Open Enrollment is your annual opportunity to make changes to your rsquoCanes Total Rewards package Log in to Workday at workdaymiamiedu from October 10 through November 2 2016 to make changes for 2017

PRESCRIPTION DRUG COVERAGE PROVIDED THROUGH OPTUMRX

OptumRx will administer the prescription drug benefits for the University of Miamirsquos health plan beginning January 1 2017 Aetna will continue to administer the Universityrsquos medical plan benefits Plan participants will receive an ID card in December which will serve as the ID for both the Aetna medical and OptumRx pharmacy plans Cards will be sent in December to the home mailing address on file

Ninety-day supplies of maintenance medications may only be filled at Walgreens retail pharmacies or through OptumRx mail order Beginning January 1 2017 CVS retail pharmacies and Aetna Rx Home Delivery may no longer be used for ninety-day supplies of maintenance medications Participants currently using maintenance medications mail order or specialty pharmacy will receive an information packet at their home address in November from OptumRx with detailed information on how to continue filling these prescriptions

CHANGES TO HEALTH PREMIUMS

There will be small increases to medical premiums There will be no increases to dental premiums

If yoursquore happy with your current elections therersquos nothing you need to do during Open Enrollment All elections will automatically roll over with the exception of Flexible Spending Accounts (FSA) If you wish to enroll in an FSA for 2017 you must do so during Open Enrollment

If you would like to enroll in an FSA or make changes to your medical andor dental plan elections (such as electing a new plan or dropping a dependent from coverage) you must do so during Open Enrollment If you add a dependent you will be required to provide documentation to substantiate their relationship to you

NEW FOR 2017

IF YOU LIKE WHAT YOU HAVE

IF YOU WANT TO PARTICIPATE IN AN FSAOR MAKE CHANGES TO YOUR CURRENT ELECTIONS

PLAN FEATURES CIGNA DELTA DENTALPrimary care dentist required

Referrals required

National network

Out-of-network benefits

Deductible

Two free cleanings per year

Adult and child orthodontia

Maximum annual benefit $2500

MEDICAL COVERAGEbull Residents may participate in the Aetna Select 2 medical plan which features the ldquoAetna Select Open

Accessrdquo national network No referrals required to see specialists bull High-end imaging services (PET CT and MRI) are covered only at UHealth Exceptions apply outside of

Miami-DadeBroward counties bull UMAetna plan members taking maintenance medications are encouraged to fill their prescriptions in 90-

day supplies at Walgreens or through OptumRx Home Delivery to avoid an increase in copays bull Use UHealth physicians to save on copays To locate a UM physician visit findaumdoccom For

appointments call UHealth Connect the UM-dedicated appointment line at 305-243-CARE (2273)bull Preventive care benefits are covered 100 when using in-network providers (skin cancer screening

covered only at UHealth)

DENTAL PLANSCigna DHMO and Delta Dental PPO plans available See 2017 Premiums section for plan premiums

VISIONOne routine eye exam per year is already included in the UMAetna medical plan If you would like additional vision coverage consider the VSP vision program Every 12 months VSP plan members can visit a national network of eye care providers and receive an eye exam for a $10 copay plus lenses and frames each for a $20 copay Employees who are not enrolled in the UMAetna plan may still elect the VSP vision program Visit miamiedubenefits or vspcom for information and enroll via workdaymiamiedu

FINANCIAL SECURITYbull Voluntary short-term disability insurance may be elected upon hire or during Open Enrollmentbull Group long-term disability insurance is provided after one year of servicebull Group life insurance is provided and is equal to two times your base salary rounded to the nearest $1000 up

to $100000bull Group accidental death and dismemberment insurance is provided and is equal to one times your base salary

rounded to the nearest $1000 up to $100000

FLEXIBLE SPENDING ACCOUNTSHealth care and dependent care flexible spending accounts are available WageWorks is the plan administrator Visit wageworkscom for more information

METLAW LEGAL PLANCovers telephonic and office consultations with legal counsel for a variety of issues representation document preparation and more The monthly $1575 premium covers employee spouse andor same-sex domestic partner and dependent children Visit miamiedubenefits for more information and enroll via Workday

RETIREMENTVoluntary Retirement Savings Plan is available Visit netbenefitscomum for more information

TIME OFFFour weeksrsquo paid time off per calendar year

BENEFITS SUMMARY

PRESCRIPTION DRUG COVERAGE PROVIDED THROUGH OPTUMRX

OptumRx will administer the prescription drug benefits for the University of Miamirsquos health plan beginning January 1 2017 Aetna will continue to administer the Universityrsquos medical plan benefits Plan participants will receive an ID card in December which will serve as the ID for both the Aetna medical and OptumRx pharmacy plans Cards will be sent in December to the home mailing address on file

Ninety-day supplies of maintenance medications may only be filled at Walgreens retail pharmacies or through OptumRx mail order Beginning January 1 2017 CVS retail pharmacies and Aetna Rx Home Delivery may no longer be used for ninety-day supplies of maintenance medications Participants currently using maintenance medications mail order or specialty pharmacy will receive an information packet at their home address in November from OptumRx with detailed information on how to continue filling these prescriptions

CHANGES TO HEALTH PREMIUMS

There will be small increases to medical premiums There will be no increases to dental premiums

If yoursquore happy with your current elections therersquos nothing you need to do during Open Enrollment All elections will automatically roll over with the exception of Flexible Spending Accounts (FSA) If you wish to enroll in an FSA for 2017 you must do so during Open Enrollment

If you would like to enroll in an FSA or make changes to your medical andor dental plan elections (such as electing a new plan or dropping a dependent from coverage) you must do so during Open Enrollment If you add a dependent you will be required to provide documentation to substantiate their relationship to you

NEW FOR 2017

IF YOU LIKE WHAT YOU HAVE

IF YOU WANT TO PARTICIPATE IN AN FSAOR MAKE CHANGES TO YOUR CURRENT ELECTIONS

PLAN FEATURES CIGNA DELTA DENTALPrimary care dentist required

Referrals required

National network

Out-of-network benefits

Deductible

Two free cleanings per year

Adult and child orthodontia

Maximum annual benefit $2500

MEDICAL COVERAGEbull Residents may participate in the Aetna Select 2 medical plan which features the ldquoAetna Select Open

Accessrdquo national network No referrals required to see specialists bull High-end imaging services (PET CT and MRI) are covered only at UHealth Exceptions apply outside of

Miami-DadeBroward counties bull UMAetna plan members taking maintenance medications are encouraged to fill their prescriptions in 90-

day supplies at Walgreens or through OptumRx Home Delivery to avoid an increase in copays bull Use UHealth physicians to save on copays To locate a UM physician visit findaumdoccom For

appointments call UHealth Connect the UM-dedicated appointment line at 305-243-CARE (2273)bull Preventive care benefits are covered 100 when using in-network providers (skin cancer screening

covered only at UHealth)

DENTAL PLANSCigna DHMO and Delta Dental PPO plans available See 2017 Premiums section for plan premiums

VISIONOne routine eye exam per year is already included in the UMAetna medical plan If you would like additional vision coverage consider the VSP vision program Every 12 months VSP plan members can visit a national network of eye care providers and receive an eye exam for a $10 copay plus lenses and frames each for a $20 copay Employees who are not enrolled in the UMAetna plan may still elect the VSP vision program Visit miamiedubenefits or vspcom for information and enroll via workdaymiamiedu

FINANCIAL SECURITYbull Voluntary short-term disability insurance may be elected upon hire or during Open Enrollmentbull Group long-term disability insurance is provided after one year of servicebull Group life insurance is provided and is equal to two times your base salary rounded to the nearest $1000 up

to $100000bull Group accidental death and dismemberment insurance is provided and is equal to one times your base salary

rounded to the nearest $1000 up to $100000

FLEXIBLE SPENDING ACCOUNTSHealth care and dependent care flexible spending accounts are available WageWorks is the plan administrator Visit wageworkscom for more information

METLAW LEGAL PLANCovers telephonic and office consultations with legal counsel for a variety of issues representation document preparation and more The monthly $1575 premium covers employee spouse andor same-sex domestic partner and dependent children Visit miamiedubenefits for more information and enroll via Workday

RETIREMENTVoluntary Retirement Savings Plan is available Visit netbenefitscomum for more information

TIME OFFFour weeksrsquo paid time off per calendar year

BENEFITS SUMMARY

PLAN FEATURES CIGNA DELTA DENTALPrimary care dentist required

Referrals required

National network

Out-of-network benefits

Deductible

Two free cleanings per year

Adult and child orthodontia

Maximum annual benefit $2500

MEDICAL COVERAGEbull Residents may participate in the Aetna Select 2 medical plan which features the ldquoAetna Select Open

Accessrdquo national network No referrals required to see specialists bull High-end imaging services (PET CT and MRI) are covered only at UHealth Exceptions apply outside of

Miami-DadeBroward counties bull UMAetna plan members taking maintenance medications are encouraged to fill their prescriptions in 90-

day supplies at Walgreens or through OptumRx Home Delivery to avoid an increase in copays bull Use UHealth physicians to save on copays To locate a UM physician visit findaumdoccom For

appointments call UHealth Connect the UM-dedicated appointment line at 305-243-CARE (2273)bull Preventive care benefits are covered 100 when using in-network providers (skin cancer screening

covered only at UHealth)

DENTAL PLANSCigna DHMO and Delta Dental PPO plans available See 2017 Premiums section for plan premiums

VISIONOne routine eye exam per year is already included in the UMAetna medical plan If you would like additional vision coverage consider the VSP vision program Every 12 months VSP plan members can visit a national network of eye care providers and receive an eye exam for a $10 copay plus lenses and frames each for a $20 copay Employees who are not enrolled in the UMAetna plan may still elect the VSP vision program Visit miamiedubenefits or vspcom for information and enroll via workdaymiamiedu

FINANCIAL SECURITYbull Voluntary short-term disability insurance may be elected upon hire or during Open Enrollmentbull Group long-term disability insurance is provided after one year of servicebull Group life insurance is provided and is equal to two times your base salary rounded to the nearest $1000 up

to $100000bull Group accidental death and dismemberment insurance is provided and is equal to one times your base salary

rounded to the nearest $1000 up to $100000

FLEXIBLE SPENDING ACCOUNTSHealth care and dependent care flexible spending accounts are available WageWorks is the plan administrator Visit wageworkscom for more information

METLAW LEGAL PLANCovers telephonic and office consultations with legal counsel for a variety of issues representation document preparation and more The monthly $1575 premium covers employee spouse andor same-sex domestic partner and dependent children Visit miamiedubenefits for more information and enroll via Workday

RETIREMENTVoluntary Retirement Savings Plan is available Visit netbenefitscomum for more information

TIME OFFFour weeksrsquo paid time off per calendar year

BENEFITS SUMMARY

Employee Only $0 $0 $0

Employee + Child $174 $6184 $1702

Employee + Children $263 $7462 $2066

Employee + SpouseSame-Sex Domestic Partner $302 $5690 $1428

Employee + Family $330 $12011 $3704

NOTE The preventive care services listed above are free when using a UHealth or in-network provider Skin cancer screening is covered only at UHealth This table is only a summary Please visit healthcaregov for a complete list of preventive care services

These screenings now available at any age based on doctorrsquos recommendation

SERVICE COVERAGE

Adult Annual PhysicalsLabs Annual exam after age 18

Well-Child Care All well-child visits through age 18

Routine Immunizations Visit cdcgovvaccinesschedules for vaccination guidelines

Immunizations for Foreign Travel To view the list visit cdcgovtravel

HPV Vaccine Three doses (ages 9 to 26)

Well-Woman Visit Annual exam and pap smear

Womenrsquos Coverage Covers certain oral contraceptives at no cost along with free breastfeeding supplies

Breast Cancer Screening One screening or diagnostic mammogram annually based on doctorrsquos recommendation Includes breast ultrasound

Prostate Cancer Screening Prostate Specific Antigen and Digital Rectal Examination annually based on doctorrsquos recommendation

Osteoporosis Screening Bone densitometry every two years based on doctorrsquos recommendation

Colorectal Cancer Screening Annual colonoscopy fecal occult blood test flexible sigmoidoscopy or double barium enema based on doctorrsquos recommendation

Skin Cancer Screening Annual skin screening exam with a UHealth dermatologist Call 305-243-6704 to make an appointment

Annual Eye Exam Annual eye exam with an AetnaEyeMed or Bascom Palmer Eye Institute optometrist or ophthalmologist

NOTE All premiums shown are for non-smokers and for those with spousessame-sex domestic partners who do not have access to employer-sponsored health insurance

There is a $250 monthly spousal surcharge which allows you to cover a spousesame-sex domestic partner who has access to hisher own employer-provided medical plan During Open Enrollment you may remove your spouse from or continue their enrollment in the Universityrsquos medical plan Before making your decision we encourage you and your spouse to carefully consider the benefits of the Universityrsquos plan against your spousersquos own employer-provided planThere is a $100 monthly smokersrsquo surcharge which applies to adult smokers covered under the UMAetna medical plan Through the BeSmokeFree program you can get the help you need to quit smoking for free Visit miamiedubesmokefree for details

2017 PREMIUMS

AETNAMEDICAL

DELTADENTAL

CIGNADENTAL

WELL rsquoCANES PREVENTIVE CARE BENEFITS

NEW PRESCRIPTION DRUG COVERAGE OFFERED BY OPTUMRX

OptumRx will replace Aetna as the administrator of our prescription drug coverage for 2017 All medical plan participants will receive a new AetnaOptumRx ID card in December Participants currently using maintenance medications mail order or specialty pharmacy will receive an information packet at their home address in November from OptumRx with detailed information on how to continue filling these prescriptions

WHATrsquoS STAYING THE SAMEbull Our copay structure of $10$45$75$100 is not changing Drugs may still move up or down a tier for

2017bull You may continue to use the same retail pharmacy to fill your 30-day prescriptionsbull If you have an active authorization for a medication through Aetna it will automatically transfer to

OptumRx OptumRx will send you information when it is time to renew your authorization WHATrsquoS CHANGINGbull Make sure to show your new AetnaOptumRx card to your doctorrsquos office and your pharmacist beginning

January 1 2017bull Maintenance medications may now be filled in 90-day supplies through OptumRx Home Delivery or at

your local Walgreens pharmacy 90-day supplies of maintenance medications may no longer be filled at CVS or Aetna Rx Home Delivery If yoursquore currently using Aetna Rx Home Delivery OptumRx will automatically transfer your mail order prescription for you Watch your mail for more information

bull Specialty medications may be filled through your local Walgreens pharmacy or at BriovaRx Optumrsquos Home Delivery service for specialty medications If yoursquore currently using Aetna Specialty Pharmacy BriovaRx will automatically transfer your specialty prescription for you Watch your mail for more information

MAINTENANCE MEDICATIONS MAY NOW BE FILLED IN 90-DAY SUPPLIES AT WALGREENS INSTEAD OF CVSIf you are using CVS to fill your maintenance medications yoursquoll be able to visit CVS and purchase an extra fill of your 90-day medications in November or December (standard copays apply) When itrsquos time for your first fill in 2017 yoursquoll need to transfer your prescription to your local Walgreens or OptumRx Home Delivery If you have any questions contact OptumRx at 1-855-438-4509 or visit optumrxcom

IMPORTANT Save on your copay by filling your 90-day prescription for maintenance medications at your local Walgreens pharmacy or through OptumRx Home Delivery If you fill your maintenance medications monthly (in 30-day increments) your copay will increase by 2frac12 times after the second filled 30-day prescription See below

NOTE Cost increase reflects permanent change in copay for this and all additional refills of the same medication for 30-day supplies at local retail pharmacy 90-day supplies can only be obtained at Walgreens or through Optum Rx Home Delivery If the cost of your medication is lower than the copay you pay the lower cost

Tier 2 Rx Example Local Retail Pharmacy (monthly cost 30-day supply)

OptumRx Home Delivery or Local Walgreens Pharmacy

(average monthly cost 90-day supply)

First 30-Day Fill $4500 $3750

30-Day Refill 1 $4500 $3750

30-Day Refill 2 $11250 $3750

NEW FILL MAINTENANCE MEDICATIONS AT WALGREENS

HEALTH CARE FSASave money by using pre-tax dollars for eligible health care expenses such as prescription drugs copays and coinsurance Maximum annual contribution is $2550

DEPENDENT CARE FSASave money by using pre-tax dollars for eligible dependent care expenses for your dependents Eligible dependents include your child (under age 13) a child of any age who is physically or mentally incapable of caring for themselves or elderly persons who are financially dependent on you Maximum annual contribution is $5000 (based on tax filing status)

IMPORTANT DEADLINESIncur eligible expenses by March 15 2018 | Submit claims by June 15 2018

Tier Cost Description

Tier 1 $10 Covered preferred generic medications (not self-injectable)

Tier 2 $45 Covered preferred brand name medications (not self-injectable)

Tier 3 $75 Covered non-preferred generic and brand-name medications (not self-injectable)

Tier 4 $100 Preferred and non-preferred self-injectable drugs covered by prescription benefits Insulin is covered under Tiers 1 2 and 3 (tier depends on type)

EACH MEDICAL PLAN COVERS THE SAME PRESCRIPTION DRUGS Costs are determined by the four-tier structure below If the cost of the prescription is less than the copay you pay the lesser amount Drugs may move up or down a tier in 2017 Visit optumrxcom to view an updated list of covered drugs and costs

PRESCRIPTION DRUG TIERS

WAGEWORKS FLEXIBLE SPENDING ACOUNTS (FSA)

Enrollment in the short-term disability program is only available during Open Enrollment

STD is a voluntary program available to staff administrators and research personnel that replaces 66 23 of your income if yoursquore unable to work due to an injury illness or maternity

In order to submit a claim for STD benefits you must have been enrolled in the plan for one year The monthly cost for this benefit is approximately 1 of your pay

For more information and to view a premiums chart visit miamiedubenefits

HR-BENEFITS ENROLLMENT INFORMATION 305-284-3004 | miamiedubenefitsask

AETNA MEDICAL PLAN 1-800-824-6411 | aetnacom

MEDICAL CLAIMS 305-284-3004

DENTAL PLANS Cigna (DHMO)1-800-367-1037 | cignacomdental

Delta Dental1-800-521-2651 | deltadentalcom

miamiedubenefits

FLEXIBLE SPENDING ACCOUNTS WageWorks1-877-924-3967 | wageworkscom

RETIREMENT SAVINGS PLAN Fidelity1-800-642-7131 | netbenefitscomum

JFKUM RESIDENCY PROGRAM jfkmceducom

HR-BENEFITS REPRESENTATIVE miamiedubenefitsask

As a University of Miami resident you are eligible for the Universityrsquos 403(b) voluntary Retirement Savings Plan You can begin participating after you receive your first payroll check by visiting netbenefitscomum and registering for a new account Once you have enrolled select your contributions investments and providers The chart below provides an example as to how your retirement dollars when invested early can really add up

Chris Debbie

Age at first contribution 25 35

Years of contribution 15 30

Annual contribution $3000 $3000

Total contribution $45000 $90000

Annual investment return 6 6

Amount at age 65 $308144 $243863

RETIREMENT

SHORT-TERM DISABILITY

HELPFUL LINKS AND CONTACTS