2020 Benefits Open Enrollment - UIC Government Services
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2020 Benefits Open Enrollment
7
Questions To Ask About Open Enrollment
1. What is Open Enrollment?
2. What dates do I need to remember?
3. What’s happening with healthcare reform
(“Affordable Care Act”)?
4. What plans are offered?
5. What will the plans cost this year?
6. What do I need to do?
7. Where can I find more information?
1 are best for you, such as:
Change medical plans
Enroll in a new plan
What is Open Enrollment?
Time to review coverage options and make changes that
Add a dependent to your plan
Drop a dependent from your plan
Reenroll in the Dep Care FSA
Reenroll in parking/transit
Begin contributing to or making changes a HSA*
Open Enrollment is
October 25th – November 8th, 2019
2 11/08/19
What dates do I need to remember?
01/01/20
Deadline for making changes Your benefit changes take effect
Don’t forget!
Add these date reminders to your calendar.
If you miss the deadline this year, 2020 2021 you will have to wait until OUR 2021 open enrollment to make changes — unless you have a qualifying life event.
3
What’s happening with healthcare reform
(“Affordable Care Act”)?
• Beginning in 2019, there is no federal penalty for not
having medical insurance
• Health insurance is still an important safeguard!
• UIC’s medical plans provide comprehensive
coverage for routine and major medical expenses
• Preventive care is still covered at 100%
• Dependents may be covered up to age 26
• There may be additional changes to the Affordable
Care Act in 20204 What plans do we offer?
Basic medical plan features
Consumer Driven Plan Consumer Driven Plan High Deductible Basic Plan
with HRA with HSA (with or without HSA)
Annual In Network Deductible $2,000 individual / $4,000 family $1,500 individual / $3,000 family $5,000 individual/$10,000 family
UIC Fund contribution $750individual/ $1,500 family $750 individual/ $1,500 family _
In Network Out of pocket
$3,000 individual / $6,000 family $3,000 individual / $6,000 family $6,000 individual/$12,000 family
Maximum
Coinsurance 80% In-network / 80% In-network / 70% In-network /
(the percentage covered by the 60% Out-of-network 60% Out-of-network 50% Out-of-network
plan) *after deductible *after deductible *after deductible
Preventive Services Covered at 100%, no deductible Covered at 100%, no deductible Covered at 100%, no deductible
Prescription Drug Retail 30-day supply 30-day supply
30-day supply
$10 copay after deductible $10 copay after deductible
Preferred Generic $10 copay after deductible
$30 copay after deductible $30 copay after deductible
Preferred Brand $30 copay after deductible
$50 copay after deductible $50 copay after deductible
Preferred Specialty $50 copay after deductible
30% after deductible 30% after deductible
Non-preferred 30% after deductible
Prescriptions - Home Delivery $20 / $60 / $100 $20 / $60 / $100
(90-day supply) $20 / $60 / $100
In-network benefit coverage levels shown above. Out of network services are covered but may have higher deductibles,
coinsurance and out of pocket maximums. Refer to your plan documents. Prescription copays still apply after out of
pocket max has been met.Pharmacy Update
Essentials Drug Coverage Check your tier – Use Drug List E4
www.premera.com/wa/visitor/pharmacy/drug-
Drug prices are steadily going up. Even with a good search/rx-search/
pharmacy plan, some prescriptions can feel
overpriced.
Your plan has four tiers that
The pharmacy plan included with your health plan is determine your cost.
called Essentials for 2020.
$ Tier 1
Preferred Generic
$10 copay after ded
Remember to check the formulary for any changes
the covered Rx for 2020. $$ Tier 2 Preferred Brand
$30 copay after ded Name
Curbing the impact of rising drug costs: Generic $$$ Tier 3
Prescription Medications are FDA approved and contain Preferred Specialty
$50 copay after ded
the same Active Pharmaceutical Ingredient than brand
name counterparts. Generics are also a better cost $$$ Tier 4 Non-preferred all
savings for you and can cost you 20% - 60% less. 30% after ded drugs
Call 800-722-1471 to speak with someone about your
prescriptions.Aetna Dental Plans
No Plan Changes
Core Plan Buy Up Plan
In-Network In-Network
$50 individual $50 Individual
Plan Deductible
$150 family $150 Family
Calendar Year $1,500 per $2,500 per
Benefit Maximum covered individual covered individual
Preventive 100% 100%
(Oral exams, cleanings) deductible waived deductible waived
Basic (Fillings) 80%* 80%*
Major (Crowns) 50%* 50%*
50% up to a $5,000 Lifetime
Orthodontia Adult/Child Not covered
Maximum
Major differences in the plans are highlighted in red. Aetna does not provide ID cards.
Please register at www.aetna.com to print your ID card.
*The percentage is what the plan pays after you have met the deductibleVSP® Vision Care Plan
No Plan Changes
Benefit VSP Provider Out-of-Network Provider
Eye Exam Co-pay $20 $20
Eye Exam: Every 12 months • Covered 100% • Reimbursed up to $50
Materials Co-pay $0 $0
• $200 allowance every 24 months
Frame • $70 allowance every 24 months
• 20% discount on amount over your allowance
• Covered every 12 months
• Covered in full every 12 months
• Allowances
• Single Vision, lined bifocal, lined trifocal, and
Lenses o Single Vision $50
lenticular lenses
o Lined bifocal $75
• Polycarbonate lenses for dependent children
o Lined trifocal $100
Lens Options • Average 35% - 40% off lens options • N/A
• Available every 12 months; in addition to lenses or
• Available every 12 months; in addition to lenses or
complete pair of glasses.
complete pair of glasses.
• Up to $60 copay for fitting and evaluation
Contacts • $105 allowance
• $200 allowance
• Contact lens exam is not covered and is a private
• Member receives 15% off of contact lens exam
transaction.
services; fitting and evaluation.
Extra Savings and Discounts • Available through VSP doctors only • Not available
VSP does not provide ID cards. Please visit www.vsp.com to print your ID card.Flexible Spending Accounts
HSA Bank will continue to be our Dependent Care Flexible
Spending Account (FSA) provider.
Dependent Care Spending Account - $5,000 annual limit
Eligible expenses for the Dependent Care FSA include:
• Day care, baby sitters, most day camps and caregivers for disabled
dependents
• Must be expenses that allow you and/or your spouse to work or attend
school full time
Note: You must re-enroll each year to continue participation.Parking and Transit
Parking Reimbursement Commuter Reimbursement
Eligible Expenses: Eligible Expenses:
• Parking Reimbursement Eligible Expenses: • Transit Pass or Token
• Fees for parking on or near employer’s • Transit Voucher
premises • Transit Fare-Care
• Fees for parking at or near a mass-transit • Commuter Highway Vehicle Expense*
location (allowing you to commute via mass- • Van-Pooling
transit)
*A Commuter Highway Vehicle is any highway
• Fees for parking at or near a car-pooling vehicle with a seating capacity of at least six
meeting site adults, not including the driver, used for travel
• Parking provided to you where your between the employee’s residence and place of
employer pays directly to a parking lot employment.
operator
NOTE: Similar items may also be eligible for
• Parking that an employer provides on its reimbursement pending approval from your employer.
premises that requires a lease Expenses must be provided by a Mass Transit Facility of
Qualified Van Pooling Service.
Once you enroll you will receive a debit card you
can use to pay for your parking/transit expenses.
Note: You must re-enroll each year to continue participation.Cigna Basic Life & AD&D
Short & Long Term Disability
Basic Life & AD&D benefit:
• 2 times earnings to a maximum benefit of $200,000
• Beneficiaries for this benefit need to be designated
Short-Term Disability (STD)
• 60% of your weekly earnings, max benefit of $1,500 per week
• Duration of benefits after 7-day waiting period - 13 weeks
• There is no waiting period for an injury.
Long-Term Disability (LTD)
• 60% of your monthly earnings, maximum benefit of $7,500 per month
• Benefits start if you are disabled for more than 90 days
This is company paid benefit for all full time employees and cannot be declinedCIGNA Voluntary Life Insurance and AD&D
Increase your basic coverage by purchasing additional individual term life insurance
or accident insurance for yourself, your spouse, and your children.
– 5 times employee’s salary to a max of $500,000 in units of $10,000 for
themselves.
– 5 times employee’s salary to a max of $500,000 in units of $5,000 for your
Spouse, not to exceed 100% of the employee’s approved life amount.
– Up to $10,000 in units of $2,000 for each dependent child.
Please Note:
• Open Enrollment is your opportunity or elect or making changes to your current voluntary
life/AD&D coverage.
• Coverage is available for child dependents over age 18, through 26, ONLY if they are a full time
college student
• Evidence of insurability is required for coverage over $140,000 for employee and $25,000 for
spouses.
• Employees cannot have more coverage on their spouse and/or children than they have on
themselves.Short Term Disability Buy Up
• As a full time employee, UIC provides you with short term
disability coverage which pays 60% of gross wages up to
$1,500 for a maximum of 13 weeks.
• You also have the option to purchase a buy up of 10%,
making the short term disability benefit equal to 70% of
gross wages up to $2,000 for 13 weeks
• Premiums are paid by the employee via payroll deductionsCritical Illness Plan
• Critical illness insurance pays a one-time lump sum benefit amount upon the
diagnosis of a covered disease or illness such as invasive cancer, paralysis, heart
attack, stroke, etc.
• You can use this money to cover lost wages, child care, travel, home care or regular
household expenses.
• You can enroll in coverage of either $5,000, $10,000 or $20,000 for yourself, plus your
spouse and children.
• Coverage for your spouse will be 50% of your elected coverage
• Coverage for your children will be 25% of your elected coverageTRICARE Supplemental Plan
TRICARE Supplemental Plan administered through Selman Co.
A TRICARE supplement plan wraps around your TRICARE health insurance coverage to help
cover the cost TRICARE leaves behind. Plus, this plan gives you additional benefits, like the
ability to seek care from any TRICARE authorized civilian facility or provider.
• Plan Deductible of $100 per individual and $200 per family
• Premiums include membership to American Military Retirees Association (AMRA)
• Discounted services available through AMRA (hotels, moving services, car rental, etc.)
• You must be enrolled in Tricare medical insurance in order to enroll in the Tricare
Supplemental Plan401(k)
• Elections and changes can be made elections using HCM/UltiPro Employee Self-
Service (ESS) at any time during the year. Enrollments or changes would be made
using the Life Events section of the system (once logged in, go to MySelf > Life Events)
• The Wells Fargo site (www.wellsfargo.com) can be used to make investment changes,
loan requests, withdrawals, viewing statements and beneficiary designation.
• 2020 401(k) contribution limits: $19,500 annual contribution limit and $6,500 annual
catch up limit (for employees over age 50) – Awaiting final limits for 2020 to be
released.Employee Assistance Program (EAP) • UIC understands that unresolved personal issues can affect every aspect of your life, including work performance. • UIC automatically provides for you and your family coverage through our Employee Assistance Program (EAP), at no cost to you! • The EAP can help with things like health and wellness, family issues, relationship issues, grief and loss, depression, financial services, legal services etc. • You can call the EAP hotline 24 hours a day, 7 days a week at 1-800-478-2812 for confidential assistance.
More Benefits
The benefits below are company paid for all full time employees.
Identity Theft Program
Provides resolution services to help you work through identity theft issues
Will Preparation Program
Services to help build your will and other legal documents
Secure Travel Program
Provides emergency medical evacuation assistance and travel services when
traveling 100 miles or more away from home
CIGNAssurance Program
Support and assistance such as counseling and financial guidance after the loss of a
covered loved one
All full time employees are automatically enrolled in these benefitsphysical activity or receiving a preventative service along with the assessment in order to receive the wellness incentive.
physical activity or receiving a preventative service along with the assessment in order to receive the wellness incentive.
2020 Wellness Incentive
Employees who are enrolled in the HSA or HRA medical plan for 2020 have the
option to complete the company wellness incentive in order to receive a lump
sum company contribution into their medical account.
The wellness incentive requirements and company contribution amounts will
remain the same as they were for 2019.
2020 Wellness Incentive Requirements:
• Complete an online health assessment
• Log 300 minutes of activity or 60,000 steps
FAQ - Employees who have a spouse on the medical plan will also need to have their spouse
complete the wellness incentive as well in order to receive the full wellness funding amount.
Employees who enroll in the Basic medical plan are not eligible for the wellness incentive funding.Premera Online Tools Go to www.premera.com and register • Find a doctor or service • Review Explanation Of Benefits (EOBs) • Compare cost for medical services • Submit claims • Order ID cards • And more! Or Call Premera’s dedicated UIC Customer Service Line 844-236-1842 8 a.m. to 6 p.m. Pacific time, Monday – Friday for assistance Premera also has a mobile app available for Android, iPhone and Windows mobile devices
SCA, CBA and DBA Employees • To comply with the Affordable Care Act, and offer affordable health coverage, SCA, CBA or DBA employees, who are not currently enrolled in one of UIC’s group medical plans, will default into employee-only coverage on the High Deductible Basic Plan effective 1/1/2020 unless a waiver form and proof of other qualified medical coverage are provided. • SCA, CBA or DBA employees with other medical insurance may opt out of UIC’s medical coverage as long as the waiver and proof of other coverage is provided.
Waiver of Medical Coverage • The medical waiver and proof of other qualified coverage can be uploaded to the Ultipro HCM site by logging in and going to Myself > Documents > Add (green button) > Upload the document > name the document (John Smith waiver, etc.) > Category SCA Waiver > Save (green button) • Waivers for medical coverage need to be submitted every new plan year. Even if you submitted a waiver of coverage in 2019, a new one will be required for the 2020 plan year. • The deadline for the waiver and proof of other coverage is November 8th!
5 What will the plans cost this year?
There will be no changes in cost for the
2020 plan year!6
What do I need to do?
HCM/UltiPro Enrollment
• Where to begin once logged in:
Menu > Myself > Open enrollment
• Click on the following link to be
taken to the UltiPro site.
http://hr.uicalaska.com
• If prompted enter your UIC Network
Username and Password.
• After authentication you will be
asked to activate your account.
Enter the requested information.
Within a few minutes you will
receive an email. Click the link in
the email to complete activation.
• Still having trouble? Email IT Help
Desk at helpdesk@uicalaska.com7 Where can I find more?
Additional Resources
Be sure to visit the updated
Benergy Portal for further
information and resources
Additionally your employee benefits
guide provides contact information,
policy numbers and our Health
Advocate services for extra support!Questions?
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