Benefits Open Enrollment - November 1st through November 13th Jason Dempster - Macalester College

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Benefits Open Enrollment - November 1st through November 13th Jason Dempster - Macalester College
Benefits Open Enrollment
 November 1st through November 13th

       Jason Dempster
       Associate Director of Compensation & Benefits

       Kelly Fang
       Well-being Program Manager and Certified Wellness Coach
Benefits Open Enrollment - November 1st through November 13th Jason Dempster - Macalester College
Today’s Focus
Nice Healthcare Expansion

Dental Plan Renewal

Health Plan Renewal

Benefit Renewals

Wellness & Health at Macalester

Online Benefit Enrollment System

Questions and Answers
Benefits Open Enrollment - November 1st through November 13th Jason Dempster - Macalester College
What is
                                  Medical Visits
A free primary care clinic that
comes to you.
                                           Lab Tests

                                           X-ray/imaging

                                  Pharmacy (Expanded)
Benefits Open Enrollment - November 1st through November 13th Jason Dempster - Macalester College
Why

      Traditional clinics are not         nice

      Inconvenient: Wasted time in driving, waiting in room and
      visits that start late

      Ineffective: Rushed visits and limited availability encourage
      patients to postpone care or use Urgent Care or ER

      Unaffordable: High cost of care, labs, imaging and
      prescriptions can be devastating to finances
Benefits Open Enrollment - November 1st through November 13th Jason Dempster - Macalester College
Why to choose

• Longer visit lengths produce better   • 45 Minutes        • 10 Minutes
  outcomes
• More accessible care reduces high     • 99% of the time   • Unpredictable
  cost Urgent Care and ER use
• Treating everyone at once saves       • Yes               • No
  time and money
• 550+ free prescriptions increases     • Yes               • No
  adherence
• Visits at home save patients time,    • Yes               • No
  keeps them healthier and safer
Benefits Open Enrollment - November 1st through November 13th Jason Dempster - Macalester College
Another Reason

             Use Nice Healthcare

                 - Saves you time & money
                 - Saves Macalester money
                 - Keeps health premiums low
Benefits Open Enrollment - November 1st through November 13th Jason Dempster - Macalester College
Save time and money

 Strep           Nice       Minute       Traditional
                                                       Urgent Care
Throat         Healthcare   Clinic          Clinic

 Visit Cost        $0         $113          $182          $220
Rapid Strep
                   $0          $35           $50           $75
 Test Cost
Prescription
                   $0          $10           $10           $10
   Cost
 Total Cost        $0         $158          $242          $305
Travel and
                0 Minutes   45 Minutes    60 Minutes    90 Minutes
Wait Time
Benefits Open Enrollment - November 1st through November 13th Jason Dempster - Macalester College
Easier, affordable, chronic condition management

                       Nice          Minute        Traditional
Diabetes             Healthcare      Clinic           Clinic
    Visit Cost           $0            $129           $182
 A1c and Glucose
    Test Cost            $0            $91            $50
 Prescription Cost       $0            $10             $8
    Total Cost           $0            $232           $240
  Travel and Wait
       Time           0 Minutes     45 Minutes     90 Minutes
Benefits Open Enrollment - November 1st through November 13th Jason Dempster - Macalester College
How   Works
         Patients start with
         chat or video
              Diagnosis

              Prescriptions

              Referrals

              Physical therapy

              Peace of mind
Benefits Open Enrollment - November 1st through November 13th Jason Dempster - Macalester College
How                    Works
If needed, nice will
travel to you
    Free Labs

    Free X-rays

    Physical Tests

    Service area map
What’s included with
           Included                  Not Included
    Chat, video, and home visits   Care that can’t wait 1-2 hours

    80+ labs conducted in home     Emergency services

    550+ Rx for free               Specialty care

    In home X-rays                 Vaccines

    Physical Therapy               Controlled substance prescriptions

    Referrals to specialists       Breast or pelvic exams

    Chronic disease management     Medicare eligible/enrolled individuals
What’s treated with
Acute conditions treated:             Chronic conditions managed:            Acute conditions typically         Chronic conditions not
                                                                             referred:                          managed:
•Sore throat                          High Cholesterol
•Ear concerns (pain, drainage, wax)   Hypothyroidism                         •Anything deemed to be severe or   •Severe Hypertension
                                      High Blood Pressure/Hypertension        urgent
•Cough, cold, flu, bronchitis                                                                                   •Uncontrolled diabetes/Type
                                      (non-emergent)                         •Sutures / stitches or staples      1/Insulin Dependent
•Diarrhea (short-term, mild to
                                      Asthma (mild to moderate)              •Tuberculosis
 moderate)                                                                                                      •Hyperthyroidism
                                      COPD (mild)                            •Kidney infection
•Rashes                               Diabetes Type 2 (non-insulin                                              •Congestive Heart Failure
•1st degree burns                                                            •Fractures that require casting    •INR / Warfarin monitoring
                                      dependent, A1C
Expanded Pharmacy with
    Beginning 1/1/2021, 550+ free medications now offered for free

        Schedule a chat or video visit in your Nice Healthcare App. Clinician determines
        you need a prescription and sends the order to your preferred pharmacy

          Walgreens not included

        Pick up prescription at your preferred retail pharmacy. Show your Nice Rx card,
        printed or in the app, and check out.

    Search for a prescription or view prescription formulary
Physical Therapy Added
    Unlimited Physical Therapy for free beginning 1/1/2021

        Schedule a chat or video visit in your Nice Healthcare App. If clinician determines
        physical therapy would be the next best step, then you will be referred to a
        physical therapist.

        Physical therapist will reach out to you via the Nice App to schedule initial
        consultation. Physical therapy visits are offered via phone or video.

    Complete as many visits as needed at no cost to you
80+ Labs included with
LAB NAME                          COMMON USE                     LAB NAME             COMMON USE
Amylase                           Pancreas / salivary glands     Lead Level           Screening for children
ANA                               autoimmune
                                                                 Lipase               Liver / Pancreas
                                  General Health Screening /
                                                                                      General Health Screening /
Basic Metabolic Panel (BMP)       Kidney / Electrolyte
                                                                 Lipid Panel          High Cholesterol
                                  General Health Screening /
Complete Blood Count (CBC)        Anemia                         magnesium            Electrolyte
                                  General Health Screening /
Complete Metabolic Panel (CMP)    Kidney / Liver / Electrolyte   Mono spot            Infection

CPK                               Muscle test                    PSA                  Prostate screening
CRP                               Infection                      Rapid Strep          Infection
Ferritin                          Anemia test                    RH factor            Autoimmune
folate                            Anemia test
                                                                 Sed Rate (ESR)       Inflammation marker
Free T4                           Thyroid test
                                                                 Throat culture       Infection
Gamma-glutamyl transferase (GGT) Liver Test                      TSH                  Thyroid test
                                 General Health Screening /
Glucose                          Diabetes                        Uric Acid            Gout test
                                 General Health Screening /
                                                                 Urinalysis           Infection
Hemoglobin                       Anemia
                                 General Health Screening /      Urine culture        Infection
Hemoglobin A1C                   Diabetes
                                                                 Urine Microalbumin   High Blood Pressure
Iron                              Anemia test
                                                                 Urine pregnancy      Pregnancy test
Iron, total & IBC                 Blood iron test
                                                                                      General health / fatigue /
Lead Level                        Screening for children         Vitamin B12          anemia
Where to use

    Online visits anywhere in the country

         Patient must be a MN resident to
         receive care outside of MN

         Home and work visits in select MN
         counties

    Any patient physically located in MN may
    receive care regardless of MN residency
    status
When             is available

       Online Visit Hours
       • Monday – Friday: 8am to 7pm
       • Saturday – Sunday: 9am to 12 pm

       Home Visit Hours
       • Monday – Friday: 9am to 5pm
Get started now!

       Search ‘Nice Healthcare’ in your app
       store and download the mobile app

       Or go to
       https://www.nice.healthcare/schedule
       for more information or help getting
       set up
Dental Plan Renewal
                             Preventive Dental                                                                     Comprehensive Dental
    Service/Feature                           PPO         Delta Premier Out of Network
                                                                                                   Service/Feature                        PPO        Delta Premier Out of Network
 Annual Maximum Benefit                     Unlimited       Unlimited       Unlimited
       Annual Deductible                       $0              $0              $0                     Annual Max Benefit                 $2,000          $1,500          $1,000
  Diagnostic & Preventive                                                                              Annual Deductible               $0/person;      $25/person;     $50/person;
                                         Covered at 100% Covered at 100% Covered at 100%          Not applicable to preventive and
    Exams, cleanings, x-rays, sealants                                                                                                  $0/family      $75/family      $150/family
                                                                                                                       diagnostics
                                                                                                Diagnostic & Preventive
                                                                                                                                     Covered at 100% Covered at 100% Covered at 100%
                                                                                                Exams, cleanings, x-rays, sealants
                                                                                                              Basic Services
                    Vendor                               Design                            Fillings, Emergency treatment for pain
                                                                                                                                     Covered at 80% Covered at 50% Covered at 50%

                                                                                             Endodontics, Periodontics
                                                                                                                                     Covered at 75% Covered at 50% Covered at 50%
                                                                                                                      Root canals
                                                                                                                Oral Surgery
                               No Change                                                                              Extractions
                                                                                                                  Prosthetics
                                                                                                                                     Covered at 75% Covered at 50% Covered at 50%

                                                                                                                                     Covered at 50% Covered at 50%    Not Covered
                                                                                                    Denture adjustments, repairs
                                                                                                        Major Restoratives
                                                                                                                                     Covered at 50% Covered at 50%    Not Covered
                 Structure                              Network                                        Dentures, Resins, Crowns
                                                                                                               Orthodontics
                                                                                                                                     Covered at 50% Covered at 50%    Not Covered
                                                                                                       $1,000 lifetime maximum
2021 Dental Insurance Rates

                Current Preventive Dental Rates             2021 Preventive Dental Rates
    Tier                        Per EE Premium     Per EE Premium   $ Change per Mo        % Change

    EE Only                        $4.40           $4.40                $0.00                0%
    EE+1                           $12.60          $12.60               $0.00                0%
    EE+(2+)                        $21.00          $21.00               $0.00                0%

              Current Comprehensive Dental Rates         2021 Comprehensive Dental Rates
    Tier                        Per EE Premium     Per EE Premium   $ Change per Mo        % Change

    EE Only                        $24.00          $24.00               $0.00                0%
    EE+1                           $57.40          $57.40               $0.00                0%
    EE+(2+)                        $98.00          $98.00               $0.00                0%
Dental Insurance Premium Changes
(since 2013)

30.00%
                                           26.61%
25.00%

20.00%

15.00%

10.00%

 5.00%                             3.00%
                                                    1.50%            2.02%
          0.00%   0.00%                                                      0.00%
 0.00%
          2013    2014     2015    2016    2017     2018    2019     2020    2021
                          -1.54%
 -5.00%

                                                            -7.55%
-10.00%
Dental Insurance Premium Changes
150.0

140.0

130.0
         National Average = 5.6%
120.0

110.0

100.0

 90.0

 80.0
        2013     2014    2015      2016   2017         2018    2019    2020     2021
    Comp EE+2+   Comp EE+1      Comp EE   Prev EE+2+      Prev EE+1   Prev EE   Nat'l Avg
Health Plan Renewal
ACA Tax Form – 1095c
Plan Design
          COVERAGE FOR:                                            HDHP (2021)                                              PPO (2021)
                                                     In-Netw ork*             Out-of-Netw ork                In-Netw ork*                  Out-of-Netw ork
                                                               CALENDAR YEAR DEDUCTIBLE
Single                                              $3,200/pers on            $12,800/pers on              $500/pers on                    $2,000/pers on
Fam ily                                             $6,400/fam ily             $25,600/fam ily             $1,000/Fam ily                   $4,000/Fam ily
PREVENTIVE CARE SERVICES

Routine Health Exam s , Cancer Screening,
Eye and Hearing Exam s , Im m unizations ,     100% of charges incurred   100% of charges incurred   100 % of charges incurred              No coverage
Prenatal & Pos tnatal Services

                                                                                                     The firs t 3 vis its free, then
E-visits - virtuwell                            Deductible, then 100%      Deductible, then 100%       $10 co-pay per vis it                No coverage
                                                                                                               thereafter
CONVENIENCE CLINICS
                                                Deductible, then 100%      Deductible, then 100%      $10 co-pay, then 100%            60% of charges incurred
Minute Clinic
ALLERGY INJECTIONS
PRIMARY CARE OFFICE VISITS
                                                      Vendor
                                                Deductible, then 100%
                                                                                          Design
                                                                           Deductible, then 100%       No out of pocket cos t          60% of charges incurred

MD Vis its (includes ancillary s ervices
                                                Deductible, then 100%      Deductible, then 100%      $30 co-pay, then 100%            60% of charges incurred
received in provider’s office and palliative
care)
BEHAVIORAL HEALTH/SUBSTANCE
                                                Deductible, then 100%      Deductible, then 100%      $30 co-pay, then 100%            60% of charges incurred
ABUSE - Outpatient
URGENT CARE VISITS                              Deductible, then 100%      Deductible, then 100%      $50 co-pay, then 100%            $50 co-pay, then 100%
SPECIALTY OFFICE VISITS
Chiropractic, Phys ical Therapy, Speech
Therapy, Occupational Therapy,
Acupuncture, etc.
                                                                   No Change
                                                Deductible, then 100%      Deductible, then 100%      $50 co-pay, then 100%            $50 co-pay, then 100%

AMBULANCE SERVICES                              Deductible, then 100%      Deductible, then 100%      80% of charges incurred          60% of charges incurred
INPATIENT HOSPITALIZATION                       Deductible, then 100%      Deductible, then 100%      80% of charges incurred          60% of charges incurred
EMERGENCY ROOM VISITS
                                                Deductible, then 100%      Deductible, then 100%      $100 co-pay, then 100%           $100 co-pay, then 100%
(coverage for em ergency conditions only)
                                                               ANNUAL OUT-OF-POCKET MAX
Single - Medical
Fam ily Medical                                     Structure
                                                    $3,200/pers on
                                                    $6,400/fam ily                       Network
                                                                              $12,800/pers on
                                                                               $25,600/fam ily
                                                                     PRESCRIPTION DRUGS
                                                                                                           $3,200/pers on
                                                                                                            $6,400/fam ily
                                                                                                                                           $12,800/pers on
                                                                                                                                           $25,600/fam ily

Generic Formulary Drugs                                                                              $15 co-pay and then 100%
                                                Deductible, then 100%      Deductible, then 100%                                       60% of charges incurred
- 31 day s upply                                                                                             thereafter
Brand Formulary Drugs                                                                                $40 co-pay and then 100%
                                                Deductible, then 100%      Deductible, then 100%                                       60% of charges incurred
- 31 day s upply                                                                                             thereafter
                                                                                                     20% co-pay up to $300 per
Specialty Drugs - Brand Non-Formulary
                                                Deductible, then 100%      Deductible, then 100%        pers cription, 100%            60% of charges incurred
- 31 day s upply
                                                                                                         covered thereafter
Mail Order - Generic Formulary Drugs                                                                 $30 co-pay and then 100%
                                                Deductible, then 100%      Deductible, then 100%                                       60% of charges incurred
- 90 day s upply                                                                                             thereafter
Mail Order - Brand Formulary Drugs                                                                   $80 co-pay and then 100%
                                                Deductible, then 100%      Deductible, then 100%                                       60% of charges incurred
- 90 day s upply                                                                                             thereafter
OTHER COVERED SERVICES                          Deductible, then 100%      Deductible, then 100%      80% of charges incurred          60% of charges incurred
LIFETIME MAXIMUM                                      Unlim ited                $1,000,000                    Unlim ited                     $1,000,000
Deductibles & Out-of-Pocket Maximums Over Time

  Year    Deductible     Out-of-Pocket Max
  2012   $2,400/$4,800    $2,400/$4,800
  2013   $2,500/$5,000    $2,500/$5,000
  2014   $2,600/$5,200    $2,600/$5,200      Deductible        Mac
                                                            Contribution
                                                                           Adjusted
                                                                           Deductible
  2015   $2,600/$5,200    $2,600/$5,200          • $3,200       • $1,722      • $1,478
  2016   $3,000/$6,000    $3,000/$6,000
  2017   $3,000/$6,000    $3,000/$6,000
                                             Deductible        Mac         Adjusted
  2018   $3,200/$6,400    $3,200/$6,400                     Contribution   Deductible

                                                 • $6,400       • $3,444      • $2,956
  2019   $3,200/$6,400    $3,200/$6,400
  2020   $3,200/$6,400    $3,200/$6,400
  2021   $3,200/$6,400    $3,200/$6,400
Health Savings Account (HSA)

    Contributions        Health       Macalester      A HSA is a    Does not have
    are made on a       Savings       highly funds   true savings    the “use it or
       “pre-tax”     Accounts are    HSA’s through     account      lose it” clause
    basis through   only available     employer
        payroll     to those who     contributions
      deductions     have elected     to your HSA
                       the High         account
                      Deductible
                     Health Plan
                        (HDHP)
Health Savings Account (HSA) Contributions
                                    2021 Full-Time HSA Contributions
         Mac Monthly    EE Monthly     Mac Monthly    EE Monthly     Mac Monthly    EE Monthly
         Contribution   Contribution   Contribution  Contribution   Contribution    Contribution
           Level 1        Level 1        Level 2        Level 2        Level 3        Level 3
          $100.00          $0.00        $121.75         $21.75         $143.50         $43.50
          $200.00          $0.00        $243.50         $43.50         $287.00         $87.00
          $200.00          $0.00        $243.50         $43.50         $287.00         $87.00

                           Max Matched         Annual                            Max Amount for
                               Mac          Out-of-Pocket           2021          Unmatched
                           Contribution      Maximum             IRS Limits       Contribution
        Employee Only         $2,244           $3,200              $3,600            $1,356
        Family                $4,488           $6,400              $7,200            $2,712

                        Open enrollment is an ideal time to review
                           and update your HSA contributions
Health Savings Account (HSA) Contributions
                                  2021 Part-Time HSA Contributions

     Part-Time         Mac Monthly    EE Monthly     Mac Monthly    EE Monthly     Mac Monthly    EE Monthly
     .50-.74 FTE       Contribution   Contribution   Contribution   Contribution   Contribution   Contribution
                         Level 1        Level 1        Level 2        Level 2        Level 3        Level 3
     Employee Only       $80.00          $0.00         $90.88         $10.88        $101.75         $21.75
     Employee + (1)     $160.00          $0.00        $181.75         $21.75        $203.50         $43.50
     Employee + (2+)    $160.00          $0.00        $181.75         $21.75        $203.50         $43.50

                        Max Matched              Annual                                 Max Amount for
                            Mac               Out-of-Pocket              2021            Unmatched
                        Contribution           Maximum                IRS Limits         Contribution
     Employee Only         $1,482                $3,200                 $3,600              $2,118
     Family                $2,964                $6,400                 $7,200              $4,236

                       Open enrollment is an ideal time to review
                          and update your HSA contributions
Health Insurance Factors
High Cost Claimants
Number of Individuals

                 25k to 55K   55k to 110k   Above 110k
60
50                                                            7
                          6                   6      7
40                7             4       1
            3            12                                   15
            8    11                    15    18          4
30   0                         15                   19
     9                                                   9
20
           28    27      31            25    25               30
10   21                        23                   21   22
 0
Prescriptions Opportunities
Preventive Care Opportunities

 Colorectal   Diabetes     Breast       Preventive   Cervical     Cholesterol
 Cancer       Screening    Cancer       Care Visit   Cancer       Screening
 Screening                 Screening                 Screening
 •75.6%       •84.2%       •80.1%       •77.2 %      •82.4%       •80.0%
  obtained     obtained     obtained     obtained     obtained     obtained
  screening    screening    screening    screening    screening    screening
Care Compliance Opportunities

       92%         75%         88%         64%
      following   following   following   following
      care plan   care plan   care plan   care plan
Health Insurance Cost Factors

  Inpatient   Outpatient   Pharmacy   High Cost   Ambulance   Office
  Hospital     Hospital               Claimants               Visits
                                        Costs
  -53%        +49%         +19%       +14%        +19%        +7%
2021 Health Insurance Rates
                                 (full-time)

                                                                Renewal

          Current Full-Time HDHP Rates                 2021 Full-Time HDHP Rates
   Tier             Per month EE Premium       Per EE Premium    $ Change per Mo   % Change
   EE Only                $96.50                  $96.50             $0.00           0%
   EE+1                  $289.31                 $289.31             $0.00           0%
   EE+(2+)               $420.82                 $420.82             $0.00           0%

          Current Full-Time PPO Rates                   2021 Full-Time PPO Rates
   Tier             Per month EE Premium       Per EE Premium    $ Change per Mo   % Change
   EE Only               $145.14                 $145.14             $0.00           0%
   EE+1                  $440.01                 $440.01             $0.00           0%
   EE+(2+)               $642.30                 $642.30             $0.00           0%
2021 Health Insurance Rates
                             (part-time)

                                                            Renewal

           Current Part-time HDHP Rates             2021 Part-Time HDHP Rates
    Tier                Per EE Premium     Per EE Premium    $ Change per Mo    % Change
    EE Only               $188.00            $188.00             $0.00            0%
    EE+1                  $477.51            $477.51             $0.00            0%
    EE+(2+)               $696.71            $696.71             $0.00            0%

           Current Part-Time PPO Rates               2021 Part-Time PPO Rates
    Tier                Per EE Premium     Per EE Premium    $ Change per Mo    % Change
    EE Only               $285.29            $285.29             $0.00            0%
    EE+1                  $728.69            $728.69             $0.00            0%
    EE+(2+)              $1,065.84          $1,065.84            $0.00            0%
Health Insurance Premium Changes
Since 2010
150.0

140.0                    National Average = 4.9%

130.0

120.0

110.0

100.0

 90.0

 80.0
          2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021
        PPO family   HDHP family   PPO EE+1   HDHP EE+1   PPO EE   HDHP EE   Nat'l Avg
Health Insurance Premium Changes
(since 2010)

20.00%

15.00%                                                      13.91%

10.00%
                                                    7.64%
                                                                     6.56%
 5.00%            2.91%                                                      3.50%

          0.00%           0.00%                                                                0.00%   0.00%
 0.00%
          2010    2011    2012    2013     2014     2015    2016     2017    2018     2019     2020    2021
 -5.00%
                                           -5.50%
-10.00%                           -8.35%

-15.00%                                                                              -14.00%

-20.00%
Health Insurance Comparison
                                                                   PPO                                    HDHP
         Step 1                                   Per Mo Rate # of Months Total       Per Mo Rate HSA Credit # of Months Total
      Select Status        Premiums                $ 145.14         12   $ 1,741.68    $ 96.50                    12    $ 1,158.00
       Full-Time           Co-Pay's/Visit Expense $ 100.00-          1   $ 100.00
                                                                                -      $ 1,000.00
                                                                                              -                    1    $ 1,000.00
                                                                                                                               -
                           Out-of-Pocket Max                     $3,200                                  $3,200
          Step 2           Total                                         $ 1,841.68
                                                                           1,741.68                                     $ 2,158.00
                                                                                                                          1,158.00
Select Level of Coverage
     Employee Only         EE HSA Contribution    $     -        12      $      -     $    43.50                12      $ 522.00
                           Mac HSA Contribution                                                    $ 143.50     12      $ 1,722.00
         Step 3                                                                                                         $ (564.00)
                                                                                                                            436.00
Select HSA Contribution
        Level 3            Difference                                                                                   $ 1,405.68
                                                                                                                          2,305.68

        Step 4
# of Months of Coverage     If interested in looking at which option would work best for you
          12                and your family, contact Jason @ x6454 or Randi @ x6689
Health Insurance
                    Average Expense Per Visit

                                                        $1,158

                                                 $458
                                  $214    $241
                    $59   $111
    $0.00   $0.00
An Innovative Prescription Solution

              Medicine is expensive

                Don’t know how much

              Costs vary greatly
Focus on Affordability

        71% of participants can save

           Average savings of $50 to $110 per month

           Only 11% used the online pharmacy tool

        Get timely reminders and proactive communications on how
        to save
Member Experience

      Login         Open   Explore
Mobile Member Experience

              Login        Open   Explore
Explore Prescriptions
Searching a medication

1. More details on the search
   medication

2. Mail order prices

3. Price at the pharmacy you last filled

4. Other pharmacy prices for that
   same medication

5. Quick transfer button
Employee Assistance Program
We all experience life changes and challenges from time to time. When you need some extra
support, the Employee Assistance Program (EAP) is just a call or click away. These services are all
confidential and available to you at no additional cost to you and your family members.
             - 1-3 sessions per issue per year
             - Call Cigna or go online to obtain authorization
             - Ways to manage stress and build resilience
             - Includes toolkits, seminars, mindfulness exercises
             - Help finding a place, program or person that is right
               for your family
             - Free 30-minute financial consultation by phone
             - 25% off tax preparation

             - Free 60-minute consultation by phone

             - Help with vets to dog walkers to ensure your pets
               are well taken care of
             - Learn about solutions relating to care for an aging
               loved one
Benefits with No Changes
                                                                Identity                    Life
                                                               Protection                Insurance

                       Retirement                   Vision
                          Plan                    Insurance

                                     Time Off
                                     Benefits

                        Flexible                                            Long-Term
                       Spending                                                Care
                                                                            Insurance
                                    529 College
                                      Savings                                              DTAP
All FSA participants                   Plan

   Must re-enroll                                 Disability
                                                  Insurance
 annually during
open enrollment!

                                                                            Legal Plan
Wellness & Health at Macalester
Kelly Fang
WHAM Co-Chair, Wellness Coach and
Well-being Program Manager
WELLNESS INCENTIVE
REMINDER
Deadline is October 31, 2020
2020 Wellness Incentive
  Available to Health Plan Participants

          No change for 2021
2020 Wellness Incentive
  Available to Health Plan Participants

          No change for 2021
Health assessment & activity participation
                                           2020 includes
                   78%                   spouse/domestic
                                63%
                                             partners
                          54%
44%
             40%
                                             439
      19%                                 HA completions

 2018         2019         2020              260
Health assessments       ≥ 1 Activity   Activity completions
HEALTH ASSESSMENT
RESULTS
2018 – 2020 Cohort &
2020 Total Participants
Diabetes and heart disease
              Risk prevalence among cohort (n=126)
45
     41.3                 40.6
            39.7
40                 37.3                 36.5 37.3
35                               33.3
                                                                                           Book of business:
                                                    30.7
30                                                                                         High risk = 31.1%

25                                                         23.8               23.6
                                                                  21.4 21.4
20

15

10
                                                                                                 4.2   5.1
5                                                                                          2.4
                                                                                     1.6
0

            Low risk             Moderate risk                    High risk            Diagnosed
                                   2018         2019       2020         Goal
Diabetes and heart disease
     Risk prevalence among all 2020 participants (n=439)
50
         45.8
45
                40.6
40

35
                                30.7
30                       28.5

25                                                23.6
                                           21.4
20

15

10
                                                          4.3   5.1
5

0

         Low risk      Moderate risk       High risk     Diagnosed
                                  2020   Goal
Modifiable health factors
                Risk prevalence among cohort (n=126)
80
                         73 71.4 73
70                                                                                                  Book of business:
                                                                                                     too few F&V =
60
                                                                                                         76.1%
50

40
     28.6
30       24.6
             22.2                                                                23        23
                                                                                      19        18.8 16.7
20                                                                                                           15.9
                                                            11.1                                         11.9
10                                                                 7.1 7.2
                                          3.2 3.2 2.4                                                               1.2
                    0                 0                 0                    0
0
       Too little       Too few fruits Tobacco use          Alcohol risk         Suboptimal            Unhealthy
       physcial              and                                                    sleep                stress
        activity         vegetables
                                      2018       2019         2020           Goal
Readiness to change
                          High risk participants
90
80
70     27.4
60                                                                           40
50                             43.6     22.7                    24.5
                   40.5                              29.6
40
30     55.7
20                                      36.4                    38.2        41.5
                   23.9        29.2                  30.8
10
0
     Physical    Fruits &     Weight   Alcohol   Back health Sleep n=110 Stress n=65
     Activity   vegetables    n=236     n=44       n=169
      n=106       n=331
                                Preparation      Action
Readiness to change
                             All participants
70                                                                     Increased stress
                                                                      risk reported this
60
                                                                             year
50

40     36.9        41
                                                                               27.3
                                                              19.6
30
                              23.5
20
                                                    11.4
10     23.5        20                                         23.2             23.9
                              15.7                  11.8
                                        2.3
0                                       3.6
     Physical    Fruits &    Weight   Alcohol   Back health   Sleep           Stress
     Activity   vegetables
                               Preparation      Action
Most common high-risk measures
                Too few fruits & vegetables
                           (75%)

                         2020
                       Priorities

    Less life satisfaction    Unhealthy stress or emotional
            (65%)                health concerns (68%)
2021 WELL-BEING
PROGRAM
Review & what’s new
Review
Program components
• Health assessment           • Digital activities
                                  • Choose to Lose
• Wellness coaching
                                  • Go for Fruits & Veggies
• Disease and Case Management     • Healthy Thinking
  & Behavioral Health Support     • Sugar Smart
• Tracking activities             • Tackle Stress
   • 10,000 Steps                     • Wellbeats
   • Sleep tracker                 • Macalester specific activities
   • Stress tracker
• Over 450 virtual fitness classes
• 1-50 minute videos, including
  no equipment options
• 29 channels featuring: Yoga,
  Pilates, kickboxing, interval
  training, running, cycling, office
  exercises and more
• Something for every age,
  interest and fitness level
What’s new
New digital activities
• Vape: Think Twice
  • Released in fall 2020
  • Provides information about vaping and triggers to help
    vape uses overcome cravings and choose alternative
    lifestyle habits
  • 3-7 weeks to complete
• Additional activities to be announced in 2021
What’s new
Omada Mind
• A dedicated coach who
  specializes in emotional health
• Tools and techniques to soothe
  stress and ease your mind
• Now free for Macalester’s
  HealthPartners members

                                    Download the Omada
                                      Mind app today
Macalester Specific Activities
Review
 • Preventive Visit
 • 6-Week WHAM Activity Class
 • 3 WHAM Lunch and Learns
 • Nice Healthcare Services
 • WHAM’s Wellness 5K
 • Leonard Center or Gym of Your Choice
 • Mindfulness Retreat (Add in later if possible)
Macalester Specific Activities
What’s new
• 3 Personal Training Sessions with Taylor Ulrich
• Facebook Group Coaching (January 2021)
   • Topic of the group is “Getting used to the new normal”
   • Focuses on setting goals to maintain well-being now that life is
     looking really different, while getting support from a coach and
     other group members.
• Home Harmony (Spring 2021)
   • Four-week activity to help create a restorative space, promote acts
     of connection, and manage expectations.
Macalester Specific Activities
What’s new
• Plant-based Nutrition activity (Summer 2021)
   • Six-week activity to learn, experiment, and explore making plant-
     based eating possible.
• Make a Move (Fall 2021)
   • Online, team-based challenge that incorporates the social aspects
     of well-being. Participants track their activity and compete against
     other teams for 6-weeks.
For details visit:
    macalester.edu/wham

Share this information with your
   spouse/domestic partner

On January 2, 2021, log on to:
healthpartners.com/wellbeing
Online Enrollment Process
Visit Benefits Portal @
https://idp.quicklaunchsso.com/samlsso?tenantDomain=m
acalester.edu&spEntityID=secure.bswift.com

    Single Sign on is enabled allowing for use of your regular
    Macalester login credentials

         Click on Start Your Enrollment

               Once complete with benefit elections, check the I agree,
               and I’m finished with my enrollment box

                    Click on Complete Enrollment to finalize your enrollment
Online Enrollment Process
Once your enrollment is complete, you may choose to view,
email or print a confirmation statement

      By clicking on the home button,         you will see the status of
      your enrollment as complete.

           You have the option to make changes to your benefits if it is before
           11/13/2020 by clicking Change my Elections on the home screen.
           Follow the prompts to make the necessary changes

                 To confirm whether you have completed your benefit enrollment, log
                 in the benefits portal at
                 https://idp.quicklaunchsso.com/samlsso?tenantDomain=macalester.e
                 du&spEntityID=secure.bswift.com . Once logged into your home
                 landing page, a message in the upper left hand corner will say your
                 enrollment is complete or Start Your Enrollment.

                       After the open enrollment period closes on 11/13/2020, you will
                       receive an email to prompt you to review your benefit enrollment.
                       Benefit confirmation statements will not be mailed.
Online Enrollment Process
Following 11/13/2020, if your 01/01/2021 benefit
statement does not reflect your intentions, you have until
11/18/2020 at 4:00 PM

      Contact to resolve discrepancies
      * Jason Dempster at jdempste@macalester.edu or call 651-696-6454
      * Randi Hartman at rhartman@macalester.edu or call 651-696-6689

             No changes will be accepted after 11/18/2020.
Resources

        Available at: macalester.edu/hr

        Open Enrollment Presentation

        Link to Benefits Portal

        2021 Open Enrollment Summary

        Detailed Individual Benefit Information
Questions?

Open Enrollment is November 1st through November 13th
Thank you for attending!

A recording of this presentation will be posted out to the benefits webpage

    Open Enrollment is November 1st through November 13th
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