2006 uplan open enrollment for calendar year 2007
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2006 UPlan Open Enrollment
for calendar year 2007
Open Enrollment Basics
HumanResourcesOffice of
What is Open Enrollment? Your annual chance to review your benefit
elections November 1 – November 30 of each year
Most employee changes made on-line at: http://hrss.umn.eduSame sex domestic partner applications done by
paper – not available online at this time
Additional information on Employee Benefits website at:
http://www.umn.edu/ohr/benefits/
HumanResourcesOffice of
What benefits can I change?
Add or cancel Medical, or change plan options
Add or cancel Dental, or change plan options
Add, change, or cancel your dependents
HumanResourcesOffice of
What benefits can I change?
Elect to participate in the Health Care and /or Dependent Care Flexible Spending Account • New election required each year
Elect to participate in Voluntary Long Term Disability coverage for Civil Service and Represented employees, or change your LTD benefit amount
HumanResourcesOffice of
What if I don’t want to change anything?
You don’t need to go on-line and change your elections• unless you’re an FSA participant and
want to continue for 2007• if you only want to change clinics, call
your health plan directly2006 is a voluntary open
enrollment – no changes required
HumanResourcesOffice of
Will I get new cards for 1/1/2007?You will receive a new card if you
enroll in a new planThese plans will issue new cards:
• All Medica Plans• HealthPartners U Classic Plus Medical Plan• Delta Dental Plans
These plans will not issue new cards• RxAmerica• HealthPartners Dental Plan
HumanResourcesOffice of
When are the Benefits Fairs?
UMD – November 2 - Kirby Student Center
St. Paul – November 8 – St. Paul Student Center
Minneapolis – November 9 – Coffman Memorial Union – Great Hall
All Fairs run from 10 a.m. to 3 p.m.
HumanResourcesOffice of
Where can I get a flu shot?
Free Flu Shots at all Benefit FairsOther Flu Shot clinics at all campusesNo copay for flu shots at MinuteClinicNo copay for flu shots at your own
medical clinic
2007 Medical Plan Options
HumanResourcesOffice of
Are the same Medical Plans available?
Yes, all options remain the same as in 2006
The base plan choices are:• Medica Elect / Essential for Twin Cities
and Duluth • Medica Choice Regional for Greater
Minnesota
HumanResourcesOffice of
Are the same Medical Plans available?
All other plans also remain the same:• U Classic Plus by HealthPartners• Insights by Medica (tiered network)• Medica Choice National (open network)• Medica Direct Health Reimbursement
Account (HRA)• Medica Direct Health Savings Account
(HSA)
HumanResourcesOffice of
Are there changes within any of the Medical Plans?
Most plans remain the sameChanges are:
• New Travel Benefit for Base Plans and Insights by Medica
• Copay Increases for Insights by Medica• Medica Direct HRA / HSA Program
Improvements
HumanResourcesOffice of
How does the new Travel Benefit work?
New Travel Benefit added to:• Medica Elect and Essential • Medica Choice Regional• Insights by Medica• U Classic Plus by HealthPartners
Note: National coverage already available in Medica Choice National and Medica Direct HRA / HSA Plans
HumanResourcesOffice of
How does the new Travel Benefit work?
Provides in-network coverage for travelers and out of area students.
Permanent residence must be in MN or surrounding states
Must use network providers:• Contact your plan, either online or by phone,
to determine which providers you may use.• Medica’s network excludes certain providers
HumanResourcesOffice of
What are the new copayments for Insights?
Medica Insights Copay increases
needed for Medica Insights to keep rates affordable
2006 2007
Tier I $10 $15
Tier II $25 $30
Tier III $40 $50
HumanResourcesOffice of
What are the improvements in the Medica Direct HRA / HSA
Plans?Medica Direct HRA & HSA Plans
improved for 2007• University’s contribution to HRA / HSA
Accounts increased: Employee Only - $500 to $1000 Family Coverage - $1,000 to $2,000
• HSA coinsurance reduced from 20% to 10%
HumanResourcesOffice of
What are the improvements in the Medica Direct HRA / HSA
Plans?HRA HSA
Deductible $2,000 ee only$4,000 family ($2,000/person)
$2,500 ee only$5,000 family ($2,500/person)
Coinsurance after deductible is met
10% in network30% out of network
10% in network30% out of network
Out of Pocket Max $3,000 ee only $6,000 family ($3,000/person)
$3,500 ee only $7,000 family ($3,500/person)
HSA Contribution $1,000 ee only$2,000 family
$1,000 ee only$2,000 family
2007 Medical Plan Rates
HumanResourcesOffice of
2007 Medical Rates – Employee Only
Total University Employee Medica Elect & Essential-Twin Cities $195.20 $175.70 $19.50Medica Elect & Essential-Duluth $208.30 $188.80 $19.50Medica Choice Regional $236.40 $216.90 $19.50U Classic Plus by HealthPartners $200.10 $175.70 $24.40Insights by Medica $206.60 $175.70 $30.90Medica Choice National $208.70 $175.70 $33.00Medica Direct HRA $205.40 $175.70 $29.70Medica Direct HSA $203.70 $175.70 $28.00
PlanActive Employees per Pay Period Rates
HumanResourcesOffice of
2007 Medical Rates – Employee + Spouse or Same Sex Domestic
Partner
Total University Employee Medica Elect & Essential-Twin Cities $421.10 $357.90 $63.20Medica Elect & Essential-Duluth $449.20 $386.00 $63.20Medica Choice Regional $509.50 $446.30 $63.20U Classic Plus by HealthPartners $433.20 $357.90 $75.30Insights by Medica $446.10 $357.90 $88.20Medica Choice National $449.90 $357.90 $92.00Medica Direct HRA $436.60 $357.90 $78.70Medica Direct HSA $433.90 $357.90 $76.00
PlanActive Employees per Pay Period Rates
HumanResourcesOffice of
2007 MedicalRates – Employee
and Child / Children
Total University Employee Medica Elect & Essential-Twin Cities $338.20 $287.50 $50.70Medica Elect & Essential-Duluth $360.70 $310.00 $50.70Medica Choice Regional $409.10 $358.40 $50.70U Classic Plus by HealthPartners $346.20 $287.50 $58.70Insights by Medica $358.20 $287.50 $70.70Medica Choice National $361.30 $287.50 $73.80Medica Direct HRA $362.20 $287.50 $74.70Medica Direct HSA $359.20 $287.50 $71.70
PlanActive Employees per Pay Period Rates
HumanResourcesOffice of
2007 Medical Rates – Employee and Spouse / SSDP + Child /
Children
Total University Employee Medica Elect & Essential-Twin Cities $557.70 $474.00 $83.70Medica Elect & Essential-Duluth $595.10 $511.40 $83.70Medica Choice Regional $675.20 $591.50 $83.70U Classic Plus by HealthPartners $569.80 $474.00 $95.80Insights by Medica $590.80 $474.00 $116.80Medica Choice National $596.00 $474.00 $122.00Medica Direct HRA $559.70 $474.00 $85.70Medica Direct HSA $558.20 $474.00 $84.20
PlanActive Employees per Pay Period Rates
UPlan Pharmacy Program
HumanResourcesOffice of
Does the UPlan Pharmacy Program have any changes for
2007? No, RxAmerica will continue as the pharmacy benefit manager for all UPlan Medical options in January, 2007.
Rx copays will remain the same for 2007 for all plans except the Medica HRA/HSA’s
Generic Plus
$10
Formulary Brand
$20
Non-Formular
y
$35
HumanResourcesOffice of
What else should I know about the UPlan Pharmacy Program?
If you or your doctor request that you take a brand drug when a chemically equivalent generic is available, you pay the Generic Plus copay + the difference between the cost of the generic and brand drugs, unless you have a prior authorization in place.
HumanResourcesOffice of
Where do I find the RxAmerica formulary?
www.rxamerica.com/umn/welcome/
RxAmerica’s website also includes:• Pharmacy locator• Copay finder• Your claims history• Mail order information• Formulary and drug information
Dental Program Changes
HumanResourcesOffice of
Are there any changes in the Dental Plans for 2007?
Open enrollment – changed from alternate years to annual, beginning in 2006
Plan benefits will not change
HumanResourcesOffice of
Are there any changes in the Dental Plans for 2007?
New names for Delta Dental options
Networks remain the same with typical minor changes in providers
No changes in names for HealthPartners Dental options
2006 2007
Delta Preferred
Option
Delta Dental PPO
Delta Preferred Option /
Delta Premier
Delta Dental Premier
University Choice
2007 Dental Plan Rates
HumanResourcesOffice of
2007 Dental Rates – Employee Only
Total University EmployeeDelta Dental PPO $13.75 $12.35 $1.40Delta Dental Premier Greater MN $16.30 $14.90 $1.40University Choice $18.95 $12.35 $6.60Delta Dental Premier TC/Duluth $16.30 $12.35 $3.95HealthPartners Dental $14.90 $12.35 $2.55HealthPartners Dental Choice $15.50 $12.35 $3.15
PlanActive Employee per Pay Period Rates
HumanResourcesOffice of
2007 Dental Rates - Employee + Spouse/SSDP
Total University EmployeeDelta Dental PPO $29.15 $17.50 $11.65Delta Dental Premier Greater MN $34.25 $22.60 $11.65University Choice $40.05 $17.50 $22.55Delta Dental Premier TC/Duluth $34.25 $17.50 $16.75HealthPartners Dental $31.40 $17.50 $13.90HealthPartners Dental Choice $32.70 $17.50 $15.20
PlanActive Employee per Pay Period Rates
HumanResourcesOffice of
2007 Dental Rates – Employee + Child/Children
Total University EmployeeDelta Dental PPO $33.15 $19.90 $13.25Delta Dental Premier Greater MN $39.10 $25.85 $13.25University Choice $45.65 $19.90 $25.75Delta Dental Premier TC/Duluth $39.10 $19.90 $19.20HealthPartners Dental $36.60 $19.90 $16.70HealthPartners Dental Choice $38.05 $19.90 $18.15
PlanActive Employee per Pay Period Rates
HumanResourcesOffice of
2007 Dental Rates – Employee and Spouse/SSDP + Child/Children
Total University EmployeeDelta Dental PPO $46.55 $27.95 $18.60Delta Dental Premier Greater MN $55.00 $36.40 $18.60University Choice $64.25 $27.95 $36.30Delta Dental Premier TC/Duluth $55.00 $27.95 $27.05HealthPartners Dental $50.65 $27.95 $22.70HealthPartners Dental Choice $52.70 $27.95 $24.75
PlanActive Employee per Pay Period Rates
Flexible Spending Accounts
Health Care and Dependent Care
HumanResourcesOffice of
What do I need to know about Flexible Spending Accounts for
2007?The UPlan includes:
• Healthcare Flexible Spending Account• Dependent Care Flexible Spending Account
Your contributions to both accounts are made with pre-tax dollars• No Federal, state, or Social Security taxes
You must re-enroll in the FSA Program to participate in 2007
HumanResourcesOffice of
What do I need to know about Flexible Spending Accounts for
2007?
Health Care or Dependent Care FSAs• Minimum - $100 • Maximum - $5,000• Dependent care maximum per family -
$5,000
HumanResourcesOffice of
What do I need to know about Flexible Spending Accounts for
2007? 2007 Contributions are made during the
calendar year 2007 Claims can be incurred between
1/1/2007 and 3/15/2008 “Use it or lose it”
• Any amount remaining after 3/15/2008 is forfeited
Note: 2006 Claims can be incurred through 3/15/2007
Disability Coverage
HumanResourcesOffice of
Are there any changes in Voluntary Disability coverage?Effective 1/1/2007 Voluntary Short and
Long Term Disability coverage will move:
•Standard Insurance CompanyWell-respected Disability Insurance carrier
Located in Portland, OregonFounded in 1906
HumanResourcesOffice of
Are there any changes in Voluntary Disability coverage?Benefits remain the sameEmployees with coverage now will
automatically transfer to Standard Insurance Company
Employees out on disability will remain with the current carrier•All STD and LTD rates will be reduced!
HumanResourcesOffice of
Can I enroll in Long Term Disability during Open
Enrollment?
Civil Service / Represented Employees may enroll in Long Term Disability coverage during open enrollment• Pre-existing Condition Limit: Disabilities
related to medical issues occurring during 2006 will not be covered for 24 months
HumanResourcesOffice of
Can I enroll in Short Term Disability during Open
Enrollment?You can enroll or increase your Short
Term Disability coverage at any time.New STD enrollments or increases in
coverage will require proof of good health
If interested, contact Employee Benefits for a paper application, and instructions for providing health information
Changes effective 1/1/07 or later
HumanResourcesOffice of
Are there changes to the Faculty Income Protection
Program?FIP is renamed the Academic
Disability Program.Changes from Minnesota Life to The
Standard effective 1/1/2007All coverage automatically transfersAdditional information will be sent to
covered Faculty and P&A members
HumanResourcesOffice of
Will the claims process change?
New telephonic claims filing process begins 1/1/2007• No forms to complete for disability
claims• Medical information goes directly to The
Standard, not through your department • FMLA claims are still filed with your
department
Life & Long Term Care Insurance
HumanResourcesOffice of
When can I change my Life Insurance?
Life Insurance• Additional Life Insurance can be
increased or decreased at any time during the year
• Contact Employee Benefits for a paper application
• Proof of good health will be required for any increases
HumanResourcesOffice of
Are there any changes for Long Term Care Insurance?
Long Term Care Insurance• Coverage will change from CNA to John
Hancock, effective 4/1/2007 • New program will include:
Improved benefits Lower rates for many participants Expanded eligibility Guaranteed issue coverage for all active employees
• Detailed information will be provided beginning in January
UPlan Wellness
HumanResourcesOffice of
What’s new for UPlan Wellness?
10,000 Steps • Available to all U of M employees
+ Spouses/SSDPs and Early Retirees on UPlan Enroll by 12/31/2006 Complete in 2006 or 2007
• Free pedometer, on-line step tracking • Motivational messages• Employees enrolled in the UPlan who
have not received a second $65 reward can earn their reward for completing 10,000 Steps
HumanResourcesOffice of
What’s new for UPlan Wellness?
2007 • Health Connections will continue for 2007
Wellness Assessment – January – April, 2007 Health Improvement Programs – throughout
2007
• Two $65 rewards – active employees - UPlan members
• Two new $65 rewards for spouse / SSDP For Wellness Assessment and one Health
Improvement program Dependent rewards payable to employees
Open Enrollment Resources
HumanResourcesOffice of
What if I need help?Delta Dental –
• 651-406-5916 or 1-800-448-3815HealthPartners –
• 952-883-5000 or 1-800-883-2177Medica –
• 952-992-1814 or !-877-252-5558RxAmerica –
• 1-866-918-7526
HumanResourcesOffice of
What if I need help?
Benefit Fairs-Computer help and Employee Benefit Staff available to answer questions
Computer Labs in 315 in the Donhowe• November 15 from 7 a.m. to 7p.m.• November 27, 28, 29 and 30 from 8 a.m. to
4:30 p.m.
HumanResourcesOffice of
What if I Need Help?
Employee Benefits Service Center612-624-9090 or 1-800-756-2363• Option 2 - General benefits questions• Option 3 - FSA questions
Note: Telephone Language Interpretation available during OE in Employee Benefits
Employee Benefits Website• www:umn.edu/ohr/benefits