UCSB Human Resources - Benefits New Employee Orientation Benefits Office Hours 8:00 - Noon & 1:00 -...
-
Upload
hester-lawrence -
Category
Documents
-
view
216 -
download
0
Transcript of UCSB Human Resources - Benefits New Employee Orientation Benefits Office Hours 8:00 - Noon & 1:00 -...
UCSBHuman Resources - Benefits
New Employee Orientation
Benefits Office Hours 8:00 - Noon & 1:00 - 4:00
893-2489
July 2015
Overview Eligibility Enrollment Health and Welfare Plans Retirement and Savings Plans
Welcome folder
Benefits Packages Full Benefits Mid-Level Core
Special Groups UC Transfers Rehired Retirees Postdoctoral Scholars
A Complete Guide to Your UC Health Benefits, pages 9 – 11
Benefits of Belonging - Video
http://ucnet.universityofcalifornia.edu
Eligible Family Members
Legal spouse, same sex/opposite sex domestic partner
Child(ren) under 26 Legal Ward(s) under 18 Overage disabled child
A Complete Guide to Your UC Health Benefits – pages 12-13
Life Events & Family Benefits
Add an eligible family member 31 days to enroll
Family member loses eligibility Notify Benefits Office to cancel coverage
Family Changes Checklist on UCnet A Complete Guide to Your UC Health
Benefits – pages 7-8
Imputed Income
Your taxable income may increase if you enroll a same sex domestic partner not declared as a dependent on your federal taxes.
Taxed on value of employer-paid medical
A Complete Guide to Your UC Health Benefits – page 6
Your Responsibility
Check eligibility requirements before enrolling a family member
Family Member Eligibility Verification SECOVA will request documents to verify
eligibility within a 30-60 days
Your family members may be de-enrolled if you fail to respond to Secova’s request for documentation.
When to Enroll
Period of Initial Eligibility (PIE) PIE is first 31 days of employment
If you miss PIE, 90 day delay for medical plan
Open Enrollment Period Opportunity to change plans in November for
next year
Statement of Health
How To Enroll – Period of Initial Eligibility UCnet ucnet.universityofcalifornia.edu
Sign-in to At Your Service Online = Select “Benefit Enrollment”
Your Benefits at a Glance
New Employees Rehired EmployeesStatus/Appointment Change
Social Security Number
Date of Birth
Username
Password
AYS Online
ucnet.universityofcalifornia.edu
atyourserviceonline.ucop.edu/ayso
Click on New to UC
atyourserviceonline.ucop.edu/ayso
MMDDYYYYEnter your Date of Birth as password
More information
Insurance Plan Websites
Find a doctor or participating provider Summary of Benefits booklets Prescription drug list
Contact information insert -A Complete Guide to Your UC Health Benefits
Health Plans Medical Dental Vision
What are your priorities?
Cost to enroll – monthly premium
Cost of care Predictable, low cost copays
Pay a % of each service
Worst case scenario – Out of pocket maximum
Choice of providers HMO medical group physicians
PPO preferred network or any provider
Effort to manage – coordinating care & bills
Which medical plan is right for you?
Medical Plans Summary of services Cost of care Monthly premiums Union Members
Rates may be different
HMO – Health Maintenance Organizations
Health Net Blue & Gold HMO Sansum Clinic - Santa Barbara, Lompoc, Santa Ynez SB Select IPA - Santa Barbara Regal - Ventura Physician’s Choice - Santa Maria
Kaiser HMO closest facilities Ventura & Los Angeles County
Using the Health Net or Kaiser HMO Plan
You selectPrimary Care Physician
(PCP)
When you need care go to your PCP
PCP refers you to specialist, x-ray, lab,
hospital
Find a Doctor on UCnet
Live or work within 30-
miles of medical group,
in most cases
Care is coordinated by
PCP and medical group
If away from group, plan
will only cover urgent
and emergency care
Cost of Care with Health Net & Kaiser HMOs
No Deductible
Predictable, low cost copays for services and drugs
Service Copay
Office Visit $20
Labs, radiologyUrgent Care Visit
$0$20
Outpatient Surgery $100
Inpatient Hospital $250
Emergency Room $75
Why select an HMO?
Like lower monthly premiums
Like low cost, predictable copays for care
Like having a Primary Care Physician who helps manage your care
Are satisfied with the specialists in the HMO medical group
Don’t have family members living outside the California HMO service area
25
PPO – Preferred Provider Organization You direct your own care, you decide where to
receive services You pay annual deductibles before plan pays After deductible, you share the cost of each
service with the plan - coinsurance Your costs are lower if you select preferred
providers “Out-of-pocket Maximum” limits your financial
liability
PPO Plans for 2015
UC Care Blue Shield Health Savings Plan Core (default)
UC Care PPO
PPO plan designed for UC Administered by Blue Shield of California
Blue Shield PPO network Claim administrator
International plan Employee & family members may live anywhere Comprehensive coverage worldwide
28
UC Care Providers – You choose any provider
UC Select(Tier 1)
UC Medical Centers
Other local providers
Blue ShieldPreferred
(Tier 2)
In CA Blue Shield PPO
In USBlue Cross/Blue Shield
Outside USBlueCard Network or
any provider
Non-PreferredOut-of-Network
(Tier 3)
Not contracted with Blue Shield in US
You have access to providers in all three tiers
29
UC Care – Network providers near UCSB
UC Select(Tier 1)
Santa Barbara limited to:
Sansum ClinicsQuest Labs & Unilab
A few other specialists
More complete networks in:
VenturaSanta Maria
Lompoc
Blue Shield Preferred(Tier 2)
Blue Shield PPO physicians & facilities
Cottage Hospitals
Pacific Diagnostic Lab
Pueblo Radiology
Provider Directory: http://uc-care.org
30
UC Care Costs
UC Select(Tier 1)
Copays
Blue ShieldPreferred
(Tier 2)
Deductible
20% Coinsurance
Non-PreferredOut-of-Network
(Tier 3)
Deductible
50% Coinsurance
• Your costs are based on the tier/network that the provider is in
• Not all services are covered at the UC Select benefit tier• Some services are covered only at the Blue Shield
Preferred and Non-Preferred tiers
31
Deductible, Coinsurance, Out of Pocket Max
You pay You share cost with planPlan pays100% after
you pay$250
Individual Deductible
20% Coinsurance $3000 OOPM
UC Care ExampleIndividual Coverage
Blue Shield Preferred (Tier 2)
UC Care - Overview No HMO option, no PCP, no referrals – you select
physicians and manage care
You pay a copay or a percentage of fee for services depending on the provider you select
Limited number of UC Select/Tier 1 providers in Santa Barbara
Large network of Preferred PPO providers
Higher premium than HMO
You can live outside of California
Why select UC Care?
You like managing your own care
You like being able to select any physician
You don’t mind paying more for a larger choice of physicians
You’re living outside of California OR out of the HMO service areas
35
Blue Shield Health Savings Plan
Combines high deductible PPO with savings account to pay out-of-pocket expenses
Medical CoverageBlue Shield PPO
Health Savings AccountHealthEquity
+
What’s different about the HSP? High deductible PPO medical plan
Deductible and OOPM shared by all family members
Medical and drug expenses apply to deductible and OOPM
Health Savings Account (HSA) Use the pre-tax HSA funds to pay the deductible and
other health expenses including dental and vision.
UC makes an annual contribution to this account
You may also make pre-tax contributions (optional)
Funds rollover; you keep money in the account
Who is eligible for HSP?
Health Savings Account “owners”
Must live in US
You can’t be enrolled in: Health Flexible Spending Account (FSA)
Other traditional health plan
Medicare Part A or B
Can’t be claimed as a dependent on someone else’s tax return
HSP – Provider Networks & Coverage
When in US Comprehensive coverage Blue Shield PPO network in CA Blue Cross Blue Shield network outside CA
When traveling out of US Emergency and urgent care only NO routine care Use any provider
Blue Shield PPO – Medical Plan Design
In Network Out of Network
Deductible Single Family (2 or more)
$1,300$2,600
$2,500 $5,000
Member Cost Sharing(Coinsurance for medical services & drugs)
20%• Plan pays 60%
of allowed rate• You pay balance
Out-of-Pocket Max(includes deductible) Single Family (2 or more)
$4,000 $6,400
$8,000 $16,000
Preventive Care by in-network providers is paid in full by plan
How does HSA work? UC makes one annual contribution to HSA
UC contribution is prorated based on the month the plan starts (see chart on UCnet)
You may contribute to HSA up to annual max (optional):
Pre-tax payroll deduction
Post-tax contributions paid to HealthEquity
Pay expenses or reimburse yourself from HSA using:
HealthEquity debit card
HealthEquity website
Funds rollover; you can invest HSA dollars over $2000
Annual Contributions to HSA
Single Family (2 or more)
2015 IRS Annual Limit $3,350 $6,650
UC Annual Contribution (plans starting in January)
$500 $1,000
Catch-up contribution, age 55+: $1000
Call HealthEquity if you have questions about contribution limits.
Why select the Blue Shield HSP?
You like lower monthly premiums
You like the tax advantages of the HSA
You want to build-up a saving account for future expenses
You have few medical or drug expenses and expect to rollover HSA dollars
You have many medical or drug expenses and will contribute to HSA so you can save taxes on health expenses
You like managing your own care
You don’t mind managing medical accounts
Core - Fee for Service
Catastrophic medical plan (default) PPO plan design Premium paid in full by UC $3,000 annual deductible per individual 20% co-insurance for medical and drug OOPM: Individual $6,350; Family $12,700 You select Blue Shield PPO providers or
non-Blue Shield provider
45
Prescription Drugs
HMOUC Care
Blue Shield HSP CORE
Retail (30 day)• Generic• Brand• Non-formulary
$5$25$40
You pay full cost of medication until you satisfy the deductible
After deductible, you pay 20% at preferred pharmacies
Mail Order (90 day)Retail (Maintenance) • Generic• Brand• Non-formulary
$10$50$80
Preferred Drug List (Formulary) is different for each carrier
46
Preventive Care
All medical plans cover preventive care at 100% with in-network providers
Preventive care includes: Annual well visit and labs Well woman visits and labs Preventive screening tests Immunizations
See list of preventive services on the plan websites
Optum – Behavioral Health Counseling and substance abuse treatment
Care by therapists, psychologist, psychiatrist
Plans have different provider options and benefits
Optum Only Optum & Non-Optum
Health NetKaiser
UC CareBlue Shield HSP
Call Optum to confirm provider is in-network
Dental Insurance Plans
Choice of two plans Delta Dental PPO DeltaCare USA (HMO)
Premium paid in full by UC
A Complete Guide to Your UC Health Benefits,
Pages 22 – 25
Dental Plan Comparison
Delta Dental PPO Delta Care USA (HMO)
Worldwide Coverage California Service Area
Choose Delta PPO or non-Delta • Large network in
Santa Barbara
Assigned to dental group• Small network in
Santa Barbara
Coinsurance 20% - 50% Copays - upgrades cost more
Maximum benefit up to $1700 No maximum benefit
Preventive care covered 100%
Delta Dental PPO
Why select this plan? You like being able to select any dentist You don’t mind paying more for a larger choice
of dentists You don’t expect to exceed the annual
maximum benefit of $1,700 You’re living outside of California
DeltaCare USA (HMO)
Why select this plan?
You don’t mind having a limited choice of dentists
You like lower out of pocket costs
You expect to have major dental work that will exceed the Delta PPO maximum benefit
You or a family member needs orthodontic services
VSP - Vision Service Plan
Routine vision care Exam – 1 per calendar year ($10 co-pay) Lenses - one set every year Frames every other year ($130 allowance)OR Contact lenses ($110 allowance) per calendar year
Select VSP doctor for lower costs Limited reimbursements for non-VSP doctor Premium paid in full by UC Find VSP Choice providers: www.vsp.com
Other Insurance
Disability Life Flexible Spending Accounts
See the booklet for these plans Accidental Death and Dismemberment – page 39 Legal – page 43
A Complete Guide to Your UC Health Benefits
Disability Insurance
Disability Insurance replaces lost income while you are away from your job due to a non-work related illness or injury, including childbirth.
Disability Insurance – Overview of Plans
Liberty Mutual Insurance Company
Short-Term Disability Employer-paid
Short-term benefits only
Supplemental Disability Voluntary / employee-paid
Short-term supplement and long-term benefits
No State Disability Insurance (SDI) coverage
Worker’s Compensation (work related only)
Short-Term Disability
Enrollment is automatic; paid by UC
7-day waiting period If you have accrued sick leave, you must first use up to
22 working days of sick leave before benefits start
Monthly benefit = 55% up to $800/mo. maximum
26 week disability period
Provides benefits for non-work related disabilities
Does not include long-term coverage
Supplemental Disability
Enroll during PIE or with Statement of Health
Employee paid - premium based on age, waiting period and full-time salary rate
Choice of 7, 30, 90, or 180-day waiting period If you have accrued sick leave, you must first use up
to 22 working days of sick leave before benefits start
Coverage for duration of disability up to age 65
Supplements other income to 70% up to $15,000/month maximum
Why enroll in Supplemental Disability now?
After PIE – statement of health is required and you can be denied coverage
Can’t enroll during annual Open Enrollment
If you can’t work, can you afford to live on $800/month?
You are planning a pregnancy?
Calculating Your Premiums
Example: Supplemental Disability & Supplement Life
Flexible Spending Accounts (FSA)
Make monthly payroll contribution with pre-tax earnings
Submit claims for reimbursement or use Health Spending Card
Effective date is the 1st of the month following enrollment; subject to payroll deadlines
Blue Shield HSP members may not enroll in Health FSA
Save taxes on eligible expenses
Health FSA
medical, dental, vision, prescription drugs, etc
Dependent Care FSA
child careadult day care
A Complete Guide to Your UC Health Benefits, pages 45-46
Flexible Spending Account – Use it or lose it
Expenses incurred in 2015 will be reimbursed from your 2015 contributions
If you do not use all your funds by 12/31/15:
Health FSA
You can carry over up to $500 of unused funds into 2016. Even if you do not enroll in the 2016 plan
You will forfeit unclaimed funds above the $500
Dependent Care FSA
You forfeit any unclaimed funds
Estimate your expenses carefully
Retirement Plans
Mandatory Plans University of California Retirement Plan (UCRP)
OR Defined Contribution Plan (DCP for Safe Harbor)
Voluntary Retirement Savings Programs Tax-Deferred 403(b) 457(b) Deferred Compensation
A Complete Guide to Your UC Retirement Benefits
University of California Retirement Plan (UCRP) 2013 Tier Members
Vesting = 5 years of Service Credit (100% full-time)
Minimum age 55
Defined Benefit Plan:
Age x Years of UCRP Service Credit x
Highest Average Plan Compensation (HAPC)
Coordination with Social Security
Example: Benefit Percentages
Years of UCRP Service Credit
Retirement Age
55 60 65
5 .0550 .0900 .1250
10 .1100 .1800 .2500
20 .2200 .3600 .5000
30 .3300 .5400 .7500
40 .4400 .7200 1.000
Retire at age 65 with 20 years of UCRP Service Credit
Pension Benefit = .5000 of HAPC
UCRP Contributions – 2013 Tier
Mandatory pre-tax contributions Employees contribute 7% of gross earnings Contribution is subject to collective bargaining
Defined Contribution Plan (DCP Safe Harbor)
Mandatory monthly pre-tax employee contributions
of 7.5% (in lieu of paying Social Security taxes)
Administered by Fidelity
Contributions default to UC-managed “Savings
Fund”
You may invest in other Fidelity funds
Retirement Savings Plans
Voluntary employee pre-tax savings programs Tax-Deferred 403(b)
457(b) Deferred Compensation
Administered by Fidelity
Maximum annual contribution limits
Investment options: Core Funds and other expanded options
www.netbenefits.com
Enroll at any time – NOT subject to PIE
Next Steps
Explore benefit options UCnet – plan descriptions, cost calculator tools,
medical plan chooser
Health Plans – providers lists, coverage details, preferred drug lists (formulary)
Enroll before end of “PIE” Medical, dental, vision insurance
Life, Disability, AD&D, Legal insurance
Flexible Spending Accounts
After You Enroll
Check your Earnings Statement on AYSO Are enrollments and deductions correct?
Attend Retirement Workshops UCnet - UCRP Fidelity – DCP, 457b, 403b