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HSAs and HSA IncentiveProgram

Revised 11/01/2018 (2:30 PM) ‐ 1

What is an HSA?

• A Health Savings Account (HSA) is a tax-advantaged checking account that works in conjunction with your CDHP.

• Allows you to set aside pre-tax or post-tax dollars which can be used for any qualified medical expenses, such doctor’s visits, hospital stays, prescriptions, dental, vision, etc.

• “Use it or Keep It”. HSA dollars rollover each plan year. And goes with you in the event you retire or leave the University.

• Qualified employees will complete online application during the open enrollment period

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Are You Eligible for an HSA?

IRS Eligibility Guidelines:You enroll in a qualified consumer driven health plan (CDHP) either through DePauw or your spouse. Additionally: Cannot be covered through a PPO plan Cannot be covered through Tri-care Cannot be enrolled in Medicare Parts A or B Cannot be participating in a medical FSA You cannot be claimed as a dependent on someone

else's tax return.

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HSA IRS Maximums

• Maximums should also take into account any contributions made by DePauw University

• Spouses combined cannot go over the IRS limits per calendar year.

• If you or your spouse is age 55 or older and HSA-eligible, you may each contribute to your own HSA account an additional $1,000 catchup contribution.

2018 2019

Employee Only $3,450 $3,500

Family $6,900 $7,000

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HSA Contribution Redesign

If you enroll in one of the three CDHP plans for January 1, 2019, and qualify to make and receive HSA contributions, DePauw will make a base contribution to your HSA based on the tier of coverage you are enrolled in.

The base contribution will be available mid January, 2019.

IMPORTANT: Your health savings account must be opened before any contributions are made.

Employee Only Coverage: $250

Employee + 1 or more Dependents: $500

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HSA Contribution Redesign (cont’d)

• You will have an opportunity to earn additional HSA contributions through a new HSA incentive plan.

• The maximum amount of HSA incentive dollars you can earn each year is based on your tier of coverage in the medical plan.

o Employee Only: $750o Employee & 1 or more Dependents: $1,500

• If you are covering your spouse, your spouse will also have the option to participate in the HSA incentive plan.

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Why a Wellness Program?

Resource: 2013 workplace wellness research report conducted by Rand Corporation, which was sponsored by the U.S. Dept. of Health and Human Services

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Excerpt from Rand Report:

“Consistent with prior research, we find that lifestyle management programs as part of workplace wellness can reduce risk factors, such as smoking, and increase healthy behaviors, such as exercise. We find that these effects are sustainable over time and clinically meaningful. This result is of critical importance, as it confirms that workplace wellness programs can help contain the current epidemic of lifestyle---related diseases, the main driver of premature morbidity and mortality in the United States.”

NOTE: Link to the entire Rand report will be posted on the HR portal under the “2019 Health Insurance Changes”

Commitment to Privacy and Confidentiality 

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Privacy and Confidentiality

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Employee privacy and confidentiality remains extremely important to DePauw University and the Office of Human Resources.

Employers, like DePauw, that sponsor one or more self-insured, HIPPA-covered group health plans-group health, dental, vision, pharmacy benefits, long-term care, health care reimbursement spending accounts, or employee assistance programs-are required to comply with all relevant Health Insurance Portability and Accountability Act of 1996 (HIPPA) regulations.

HIPAA includes provisions of Federal law governing health coverage portability, health information privacy, administrative simplification, medical savings account and long-term care insurance.

Privacy and Confidentiality

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NOTE: DePauw’s wellness portal will be powered by Propel

Propel’s Privacy Commitment

Propel® strives to achieve substantive compliance with both the GDPR and U.S. privacy laws. Further, as a matter of policy, the Company strives to comply with both the letter and spirit of applicable laws and regulations, and it acknowledges the more comprehensive requirements of the GDPR.

Propel’s stated objective is to secure and keep private the protected information that the Company handles in conjunction with its clients, its clients’ employees, its third-party data-center host, International Business Machines (IBM) Cloud and other mission related third-party vendors, etc.

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Introducing “Our Healthy Tigers”! Wellness Portal

What is a Wellness Portal

A wellness portal is a confidential online tool that will allow employees and their spouse to do the following:

• Easily access their health and wellness program status

• Track incentive rewards progress• Participate in activities

o Wellness educationo Wellness challenges

• Learn more about an overall healthier lifestyle

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Wellness Portal

• DePauw’s new wellness portal will be available by January 1, 2019.

• Link: www.ourhealthytigers.com• Features and benefits include: Confidential, personalized profiles Simple and easy to use Health education Program participation and activity tracking Mobile & App friendly Incentive awards tracking Support for behavior change & a healthy culture Holistic focus Measure personal progress

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How to Earn Incentives

Once your personal profile is created, you will see a page with the following:

• How incentives are earned• Specific activities available to participate in• Incentive amounts and requirements for earning

incentives

Depending on the activity, data may be logged and captured by:

• Self-reporting the data• Syncing personal activity device (optional)• Employee Wellness Clinic

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How to Earn Incentives (Cont’d)• The wellness portal will have personalized incentive

page with the following:o Awards and amounts earnedo Progress bar indicating progress made towards

incentives based on activities completed• Wellness incentive earnings will be deposited into

your HSA on a quarterly bases pre-taxed.• All employees may participate, but only employees

and spouses on the DPU medical plan are eligible to earn the incentive reward.

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Wellness Incentive Earnings

Reasonable Accommodations will be offered to employees or their spouse with health conditions or disabilities that makes it medically inadvisable or unreasonably difficult to attempt to meet a standard in a wellness program.

If you think you might need a medical accommodation please contact Sonji Ray or Jana Grimes in Human Resources.

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Wellness Incentive Categories

Maximum incentive capped $250/$500 for each of the following categories:

• Know Your Numbers• Lifestyle Programs• Wellness Activities

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Know Your Numbers

• Complete your annual physical and biometrics by November 30, 2019, to earn $250.

• Provide the DePauw Wellness Affidavit to your primary care physician at the time of your appointment.

• Physicals and biometrics obtained this year between July 1 to December 31 can begin uploading affidavits beginning December 1, 2018

• Forms will be made available online to access, print and take to your provider.

• To ensure privacy, employees and spouses will upload their form directly into the wellness portal.

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Lifestyle Programs – Invest in Yourself

Lifestyle Program includes a variety of activities to choose from, which will be listed on the wellness portal and on the Human Resources Webpage.

Programs will be available via the wellness portal, the Employee Wellness Clinic, the Lilly Center, the Employee Assistance Program (EAP), or can be done on your own. Earned quarterly or annually, depending on program. Incentives range from $50 to $150, depending on the

completed activity. Certification of Completion is required for each activity

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Lifestyle Programs ChoicesQuick Reference Guide:

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ACTIVITY  FREQUENCY INCENTIVE

One (1) Propel Lifestyle Competency Modules on‐line

Quarterly $50/$100

Smoking cessation program Annually $150/$300Weight management or nutrition program Annually $150/$300

Preventive health care tests screening (excluding immunizations and annual physical) 

Annually $150/$300

Financial Health Program Annually $100/$200Stress Management Program (excluding the on‐line module)

Annually $100/$200

Johnson & Johnson Program (employee only) Annually $100/$200

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Wellness Activities

Wellness Activities include a variety of activities to choose from, which will be listed on the wellness portal and on the Human Resources Webpage.

Programs will be available via the wellness portal, the Employee Wellness Clinic, the Lilly Center, the Employee Assistance Program (EAP), or can be done on your own.• Incentives range from $25 to $75, depending on the completed

activity.• Reward completion will depend on each activity and includes:

o Self-report or device sync in the wellness o Class attendance sign-in sheet, or certificate of completiono Coaching Session/Provider reporting

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Wellness Activity ChoicesQuick Reference Guide:

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ACTIVITY  FREQUENCY LENGTH INCENTIVEMinimum of 150 minutes of physical activity per week

Quarterly 6 weeks $75/$150

Complete a 5K walk/run/bike/swim/wheelchair roll

Annually $50/$100

Minimum of 6,000 Daily Steps per day Quarterly 6 weeks $100/$200

Minimum of two (2) group physical activities per week

Quarterly 6 weeks $75/$150

Minimum of one (1) Wellness Walk (formerly Walk with the Doc)

Quarterly $25/$50

Minimum of three (3) Individual Health/Training Coaching Sessions 

Quarterlyper 

quarter$50/$100

Minimum of three (3) Group Health/ Training Coaching Sessions

Quarterlyper 

quarter$50/$100

Minimum of one (1) Mindfulness and Meditation Class/Activity  (ex:  Meditation, Tai chi) per week

Quarterly 6 weeks $50/$100

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Our Healthy TigersWellness Portal Screen Shots

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Questions