NEW GRADUATE ASSISTANTS BENEFITS REVIEW 2020 - Online Overview
←
→
Page content transcription
If your browser does not render page correctly, please read the page content below
Online Overview
NEW
GRADUATE ASSISTANTS
BENEFITS REVIEW
2020
Overview Contents Ø Understanding Your Payroll Ø Benefits Enrollment Ø Available Benefits § Benefit Programs § Other Benefits Ø Enrollment/Things to Consider Ø Paying for Benefits Ø Resources
Accessing Payroll & Benefits Information:
My UW System Portal
Access My UW System portal: www.uwm.edu OR click on
“My UW System” from UWM main page
Benefits Information: UWM/click “More Resources”=>Human
Resources OR “My UW System”=>Benefits & Payroll Information
UW Portal – my.Wisconsin.edu
UWM Homepage, Faculty/Staff, My UW System
• HR, Payroll, Benefit
News
• Earning Statements
• Tax Statements
• Benefit Information
• (watch for online enroll-
ment option here)
• Personal Information
Getting Paid
• Three Methods
– Direct Deposit (Primary)
• Up to 3 Accounts
• Requests submitted no later than two weeks before pay date
• Keep old account active until after first payment to new account
– US Bank Focus Pay Card (Secondary)
• In lieu of active direct deposit at the time of check creation
• Employees identified twice a month and sent to US Bank
• Physical card mailed to address on file, targeted for first check
• Contact US Bank with questions about card
– Physical Check (Secondary)
• Rare instances where Direct Deposit and Focus Card are not
active at the time of check creation
• Mailed to address on file
Your Earnings Statement Review regularly for accuracy of payroll, benefits, and personal information
Earnings Statement-cont’d Includes before & after-tax deductions, Employer paid, and bank deposit
How do I enroll in benefits?
Enrollment elections must be submitted within 30 days of initial hire
date
§Example—Start date 8/24/2020; Benefit enrollment due by 9/23/2020
§Use eBenefits Self Service enrollment through My UW portal guide:
https://www.wisconsin.edu/ohrwd/benefits/download/selfserviceinstr
uctions.pdf
§If necessary, paper applications to Benefits by enrollment deadline
§Elected benefit coverage begins 1st of month on or following hire date
§Next opportunity, annual Fall enrollment (limited): Benefits effective 1/1/2021
§Only certain Life Event changes allowed during the year (within 30 days):
§Example: of marriage, birth, divorce, job change, etc.What are my benefit enrollment options? §See UW’s “General Employee Information” page: https://www.wisconsin.edu/ohrwd/benefits/general-employee-info/ §Use Benefits Quick Guide as enrollment checklist: - 2020 Benefit Summary-Quick Guide for Graduate Assistants, Employees-in -Training, Fellows, Scholars and Short-Term Academic Staff Employees (not in WRS) https://www.wisconsin.edu/ohrwd/benefits/download/quickguidegr ad2020.pdf
State Group Health Plans
Medical Plans – Two types to choose from:
1) Health Maintenance Organizations (HMO)
2) Access Health Plan (PPO)
Plan Features HMO Access Health Plan
(PPO)
Provider network Local Nation-wide
Medical benefits Same core benefits, Deductible/coinsurance
all/90% coinsurance
Prescription drug Yes Yes
benefits (Navitus)
Dental benefits Yes (optional) Yes (optional)State Group Health Plans
Monthly Premiums
Graduate Assistants
Premium Tier
Single Family
With Dental $48.50 $120
IYC Health Plan
Without Dental $44.50 $111
With Dental $138.50 $344
Access Plan
Without Dental $134.50 $335State Group Health
Summary of Benefits Coverage
Plan Name IYC Health Plans Access Health Plan
Service In-Network In-Network Out-of-Network*
70%
Preventative care plan coverage 100% 100% (after deductible)
Annual Deductible (you pay
before plan coinsurance begins): $250/$500 $250/$500 $500/$1,000
Individual/Family
Plan pays: 90% Plan pays: 90% Plan pays: 70%
Coinsurance - Most medical
You pay: 10% You pay: 10% You pay: 30%
services
(after deductible) (after deductible) (after deductible)
Covered as
In-Network
Emergency Room copayment $75
(waived with hospital admission; all
$75 (deductible &
$75
(deductible & In-Network
emergency services are covered as In- coinsurance,
coinsurance, thereafter) (deductible &
Network) thereafter)
coinsurance,
thereafter)
Annual out-of-pocket maximum:
$1,250/$2,500 $1,000/$2,000 $2,000/$4,000
Individual/FamilyState Group Health
Summary of Benefits Coverage - continued
Plan Name IYC Health Plans Access Health Plan
Service In-Network In-Network Out-of-Network*
After deductible:
Copayment $15 Copayment $15
30% member cost
Office visits: Illness/Injury Primary/$25 Primary/$25
up to the annual
Specialty Specialty
OOPL
Covered as
Plan pays: 90% Plan pays: 90% In-Network
Ambulance You pay: 10% You pay: 10% Plan pays: 90%
(after deductible) (after deductible) You pay: 10%
(after deductible)
Plan pays: 90% Plan pays: 90% Plan pays: 70%
Hospital: In and Out-Patient
You pay: 10% You pay: 10% You pay: 30%
(after deductible) (after deductible) (after deductible)
Mental Health/Substance Abuse Varies by plan-State mandate minimum; coinsurance to $7,000
Dental Uniform Delta Dental Option: See ETF/UW System websites
*Reasonable & Customary applies to Out-of-NetworkMilwaukee County IYC Health Plans
Health Care Provider Networks
Network Health WEA Trust – East
Major Health Systems: Major Health Systems:
• Froedtert Health • Aurora Health Care
• Medical College of Wisconsin • Ascension
• Children’s Hospital of • Columbia St. Mary’s
Wisconsin • Wheaton Franciscan
• Ascension
– Columba St. Mary’s
– Wheaton FranciscanState Group Health
Prescription Drug Coverage
Administered by Navitus Health Solutions (included with all state group
health enrollments – no separate charge)
§ Navitus sends separate ID card to present for prescriptions
§ Four Levels of Prescription Co-Payments (30-day supply)
Ø Level 1: $5 (formulary generic & some low-cost brand name
drugs)
Ø Level 2: 20% ($50 max) (brand name and certain higher cost
generic drugs)
Ø Level 3: 40% ($150 max) (non-formulary drugs)
Ø Level 4: Only at designated specialty pharmacy - $50
(designated “ESP” specialty drugs) Lumicera Specialty & UW
Specialty Pharmacies, call Navitus SpecialtyRx Customer
Care: 1-877-651-4943
§ NOTE: Deductible will apply first with HDHPs for most drugs
§ Health & Access Plans-Separate OOP maximums Levels 1&2, Level
3, Level 4State Group Health
Prescription Drugs - continued
• Note: Level 3 “dispense-as-written” drugs--
• 40% coinsurance + difference between the cost of the “dispense-as-
written” brand name drug and the alternative
– If unable to take an alternative medication for medical reasons, the employee’s
provider may submit a Food & Drug Administration MedWatch form detailing why.
§ Mail order prescriptions available through Serve You
• Up to a 90-day supply of Level 1 or Level 2 drugs at the cost of two
30-day (60 days) prescriptions from the pharmacy
• Call Serve You at 800-759-3203, online: https://www.serve-you-
rx.com/members/
§ For additional prescription drug plan information
• Call Navitus at 866-333-2757, or visit website: http://www.navitus.com
ü Enroll in Navi-Gate® to access formularies, prior authorization
forms & prescription drug benefit informationState Group Health
Uniform Delta Dental Benefits
Key Plan Providers Covered Services
(Examples)
In-Network
Out-of-Network
Provider
Deductible: $0 NO COVERAGE
Annual Benefit Max (per person): $1,000 N/A
Routine Evaluations, X-
Rays, Fluoride, etc.
Diagnostic/Preventative: 100% N/A
Fillings
Restorative: 100% N/A
Limited to Periodontal
Periodontic: 80% N/A Maintenance
Local Anesthesia
Adjunctive Services: 80% N/A
Ortho: 50% (children only) N/A
Ortho Lifetime Max: $1,500 N/AUniform Delta Dental Benefits § Uniform Dental option offered with all state group health plans; elect to opt in or opt out § Delta Dental is plan administrator for Uniform Dental § National network; includes 93% of dentists in State of Wisconsin § Must stay in-network to receive coverage § Major dental services are not covered under Uniform Dental
Delta Dental Plan Comparison Additional Supplemental Plans
Delta Dental Plan Pricing
§ Monthly Premiums
• You will receive an ID card from Delta Dental
• See Delta Dental for network providers
• *Option to enroll in Uniform Dental as part of your State Group Health
(Select or Select Plus supplemental dental require additional separate
enrollment if desired)
• If you do not enoll in State Group Health, you may enroll in Preventive
Dental, and/or Select or Select Plus separatelySupplemental Vision Insurance
Administered by VSP (Vision Service Plan)
§ See VSP network providers for in-network benefits
§ Out of network -- Up to specific benefit; balance-billing
Services Benefit Frequency
Annual eye exam– $15 copay ($20 copay Exam: 1 per year (2 per
for certain Primary year for children)
EyeCare)
Prescription Eye Glasses:
Frames Up to $150 or $200 for Every other year
featured brands
Eyeglass Lenses Covered after co-pay Annually
(see details)
Contact lenses $150 allowance Annually
(in lieu of eye- glass
lenses)
Additional discounts Discounted costsVSP (Vision Service Plan)
§ Monthly Premiums
Employee & Employee &
Employee Only Employee & Spouse
Child(ren) Family
$6.38 $12.76 $14.38 $22.98
• No ID card will be received – Notify eye care provider of coverage under
VSP; ID card may be printed from vsp.com – uses your employee ID#Life & Accident Insurances
Individual & UW Employees
AD&D
Family Group Life Inc. Life
Initial enrollment 30-day enrollment 30-day enrollment
No enrollment deadline
period deadline deadline
Employee,
Who can be Employee, Spouse/DP,
Spouse/DP, Employee
covered? Child(ren)
Child(ren)
Up to $20,000 -- can
Employee Coverage based on
increase Up to $500,000
coverage amount age
annually/max
Up to $10,000 on
How much
spouse/DP, $5,000 Certain % of employee
coverage is
on child(ren) -- can None coverage – see plan
available for my
increase annually certificate for details
family?
(max applies)
Varies by age &
Varies by age, $1 to Varies by coverage
Cost? coverage level, $.023
$3 amount, $.73 to $22.00
to $3.33 per $1,000Securian Accident Insurance
§ What is Accident Insurance: Provides cash payment directly
to you in the event of an accident. You may use the payment
for anything you’d like to help provide some financial protection
when the unexpected happens.
§ Covered accidents: Injuries (burns, fractures, concussions,
etc), emergency care, hospital care and surgery
§ Accidental Death & Dismemberment (AD&D): Provides an
AD&D benefit
§ Other Features: Identity TheftFlexible Spending Accounts
Health & Dependent Care Accounts
§ Administered by ConnectYourCare (CYC)
Ø Healthcare FSA
Ø Dependent Day Care FSA
Ø Limited Purpose FSA (HDHP/HSA enrollees ONLY)
§ Flexible Spending Account (FSA) contributions -- deducted pre-tax
Coverage effective 1st of month on or after enrollment
o Plan Year: 1-1-YYYY to 12-31-YYYY (claim by 3/31 of following year)
o Healthcare FSA Maximum: $2,700; Dependent Day Care Maximum
$5,000
o May roll up to $500 into next year if unable to use (active employees)
o Must re-enroll each year
o Enrollment changes are restricted to eligible Life EventsSupplemental Retirement Savings
§ Two supplemental retirement savings plans available:
Ø Tax Sheltered Annuity (TSA) – 403(b)
Ø Wisconsin Deferred Compensation (WDC) – 457(b)
§ Pre-tax and Roth Option post-tax options available
§ No employer match
§ Can enroll or make changes at any time
§ UW System can not provide specific investment advice
§ 2020 annual plan contribution maximums
Ø Under age 50 - $19,500
Ø Age 50 and older - $26,000
Ø Can contribute maximum to both plansThings to Consider § If married to another state, local or UW System employee You may enroll as two Singles unless you have additional dependents; state group health then requires one Family enrollment for all family members § ALEX is: a confidential, interactive online tool found on the UW benefits administration website. ALEX will ask a series of questions and then provide added benefit detail & potential benefit enrollment suggestions based on your answers § ALEX is NOT: a benefit enrollment tool, nor does it provide definitive recommendations for your enrollment; you will need to consider which and what type of benefit plans (including overall monthly cost) make the most sense for you/your family
Things to Consider
§ Coverage Effective Dates
• Most plans effective first of the month following hire date.
NOTE: deductions may need to “catch up”
§ State Group Health
• Review network providers: medical – health care
plan; if elect Uniform dental = Delta Dental
• Any plan features above core benefits (i.e. WEA
East, out-network)
Note: Check plan online directories & providers (these lists are
not exhaustive):
https://etf.wi.gov/search?search_api_fulltext=wea+trustHow will I pay for my benefits?
Graduate Assistants
Costs for benefits are paid with deductions from your paychecks:
• Around the first of each month (prior-month’s payroll)
• Pays for the coming month’s benefits
Benefit deductions are taken:
• For 12-month/annual appointments
– Each month
• For 9-month/academic-year appointments
– Each month during the academic year
– Double-deductions, March - May to maintain summer coverage if appointment will continue
in the coming Fall semesterDisclaimer
• This overview only summarizes the provisions of the formal Plan
document and does not attempt to cover all of the details
contained in the Plan document. The operation of the Plan and the
benefits to which you (or your beneficiaries) may be entitled will
be governed solely by the terms of the official Plan document. To
the extent that any of the information contained in this overview
or any information you receive orally is inconsistent with the
official Plan document, the provisions set forth in the Plan
document will govern in all cases.Benefits Resources For additional information - UW website, https://www.wisconsin.edu/ohrwd/benefits/ - UWM Benefits website, https://uwm.edu/hr/benefits For questions regarding benefits - Email UWM Benefits: benefits@uwm.edu
Payroll Resources
For additional information
• UW website: https://www.wisconsin.edu/ohrwd/benefits/general-
employee-info/payroll/
• UWM website: https://uwm.edu/hr/payroll/
For questions regarding Earnings Statements
• Email UWM Payroll: payroll@uwm.edu
For Payroll, Earnings or Leave Balance questions
• Contact your Department or Division Business OfficeWelcome to UWM! Go Panthers!
You can also read
