OPEN ENROLLMENT 2021 - OCT. 28 - NOV. 10 - Purdue University

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OPEN ENROLLMENT 2021 - OCT. 28 - NOV. 10 - Purdue University
2021

       OPEN
    ENROLLMENT
                         OCT. 28 – NOV. 10

    YOU MUST ENROLL ONLINE
    BY TUESDAY, NOV. 10, 2020,
    AT 6 P.M. (ET).
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OPEN ENROLLMENT 2021 - OCT. 28 - NOV. 10 - Purdue University
BENEFITS
     A SMARTER APPROACH TO HEALTHCARE
    Our approach to healthcare keeps the focus on you!
    We have created a system of networks, providers and programs dedicated to helping you and your
    family be healthy, stay healthy and get the care you need. You’ll have access to top-quality care
    (and many free resources) that is affordable, convenient and effective.
    It’s a smarter approach to healthcare that simply makes sense.

                                     COST                       QUALITY
                                Get the biggest bang         Receive top-quality care
                             for your (healthcare) buck!      from local providers.

       CHOICE                                                                             ACCESS
      Choose the best
    option for your needs
      and preferences.
                                                       YOU                               Get care easily and
                                                                                        when and where you
                                                                                               want.

                              PREVENTION                       NAVIGATION
                            Be proactive, prevent diseases      Find help getting the
                               and detect issues early.            care you need.

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OPEN ENROLLMENT 2021 - OCT. 28 - NOV. 10 - Purdue University
OPEN     ENROLLMENT
     WHAT’S NEW
    Every year, we evaluate our benefit offerings to ensure Purdue employees and their families have a
    choice of benefits that help you get the care you need, protect your family and balance your life outside
    of work. We work hard to provide you with options that are also affordable and convenient. As a result,
    we sometimes make changes to update our benefit offerings.

                                           You have a choice of three consumer-driven health plans (CDHPs). A
                   MEDICAL                 thorough review of our plans was conducted and, as a result, a new line-up
                                           of plan designs and premiums are being offered for 2021. All three plans
                   All New
                                           are new so please review them carefully. (Reminder: As announced in 2019,
                   CDHP Options            the Purdue Health Plan PPO will not be an option in 2021.) MORE: PAGE 4

                                           All three CDHPs also include a Health Savings Account (HSA). And, in 2021,
                   HSA                     Purdue will deposit our annual contribution ($325 individual / $650 family)
                   Full Contribution       in full in January. Note: Those not eligible for HSAs will be offered a Health
                   in January              Reimbursement Arrangement (HRA). MORE: PAGE 10

                                           Because the medical plan options are brand-new, you will need to enroll
                   ENROLLMENT              in the plan of your choosing. That means, during open enrollment, you will
                   Active Enrollment       need to log in to Benefitfocus and make your selections. MORE: PAGE 18

                                           Purdue continues to offer a financial incentive to those who participate in
                   HEALTHY BOILER          our Healthy Boiler Program. Incentives are deposited into your HSA or HRA to
                                           help you pay for healthcare expenses. In 2021, the incentive can be earned
                   New Incentive
                                           by completing an annual physical and/or providing a biometric screening.
                   Structure
                                           In 2021, the program will run from Jan. 1 - Dec. 31. MORE: PAGE 14

                                           In 2021, Purdue’s vision plan is a separate election. It is a free benefit for our
                   VISION                  employees and their families. However, you need to elect it during open
                   Separate Election       enrollment as it is no longer automatically included with your medical plan.
                                           This also means that you do not have to be covered by a Purdue medical
                   from Your
                                           plan in order to elect vision coverage for you and your family members.
                   Medical Plan
                                           MORE: PAGE 12

                   DENTAL                  Premiums for our dental plans increase slightly in 2021, and in an effort to
                                           keep the plans on par with benchmarks, we have increased some coverage
                   Premium and
                                           levels for the Anthem Dental Plan Option 1. MORE: PAGE 13
                   Coverage Increases

                                           Critical illness, accident and hospital indemnity insurance will now be
                   NEW VOLUNTARY           provided by Voya. Additionally, during open enrollment, we are offering
                   PROVIDER                a one-time level increase in life insurance coverage amounts without
                   Lower Premiums          Evidence of Insurability for those who qualify. Overall, premiums are lower
                   & Increased Life        and there are no changes to any of the plans.
                   Insurance Coverage      Click here for more information on these benefits.

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OPEN ENROLLMENT 2021 - OCT. 28 - NOV. 10 - Purdue University
MEDICAL
     2021 PLANS & PREMIUMS
    You have a choice of three consumer-driven health plans (CDHPs).
    All three plans are new so please review them carefully.
    All three plans have free preventive care with an in-network provider, free generic preventive medications,
    $10-or-less generic prescriptions and Health Savings Accounts (HSAs) where you and Purdue set aside tax-free
    dollars to help pay for medical expenses. Additionally, you’ll receive the full Purdue HSA contribution in January
    2021 ($325 individual/$650 family). Those who are not eligible for HSAs will be offered contributions (employer-
    only) to a Health Reimbursement Arrangement (HRA).

             PREMIER CDHP                               STANDARD CDHP                         LIMITED CDHP

       •    Highest premiums                    Middle-of-the-road                       •   Lowest premiums
       •    Lowest deductible                   premiums, deductible                     •   Highest deductible
                                                and out-of-pocket
       •    Lowest out-of-pocket                maximum                                  •   Highest out-of-pocket
            maximum                                                                          maximum

    ANNUAL PREMIUMS                       Premier CDHP      Standard CDHP   Limited CDHP

     Employees earning under $45,500*
     Employee Only                           $271.56            $121.68         $44.76

     Employee & Children                     $496.92           $219.48          $75.24             These rates do
     Employee & Spouse                      $1,418.88          $609.24          $179.28            not include:
     Employee & Working Spouse              $2,168.88          $1,359.24        $929.28            Tobacco-user
                                                                                                   additional
     Employee & Family                      $1,962.24          $825.00          $212.52            premium of $1,000
     Employee & Family (Working Spouse)     $2,712.24          $1,575.00        $962.52            for employee and
                                                                                                   $1,000 for spouse
     Employees earning $45,500 or more*
                                                                                                   *Benefit plan
     Employee Only                           $923.28           $457.20          $113.40            premiums adjust
                                                                                                   accordingly at the
     Employee & Children                    $1,553.88          $823.44          $307.44
                                                                                                   time annual pay
     Employee & Spouse                      $2,389.20          $1,477.56        $928.68            crosses above or
                                                                                                   below the $45,500
     Employee & Working Spouse              $3,889.20          $2,977.56       $2,428.68
                                                                                                   annual salary tier.
     Employee & Family                      $3,242.16          $2,004.12       $1,258.20

     Employee & Family (Working Spouse)     $4,742.16          $3,504.12       $2,758.20

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MEDICAL
     2021 PLAN COVERAGE
                                                                                                    Premier                  Standard                   Limited
                                                                                                     CDHP                     CDHP                       CDHP

                                                               Employee only                           $325                      $325                      $325
      University’s Contribution to
      Employee’s HSA or HRA                                    Employee + one or more
                                                                                                       $650                      $650                      $650
                                                               covered family members

      Healthy Boiler Wellness Incentive to                     Employee only                           $325                      $325                      $325
      Employee’s HSA or HRA                                    Employee + one or more
      (see page 14 for new incentive structure)                                                        $650                      $650                      $650
                                                               covered family members

                                                                                                      $1,450                   $2,000                    $3,000
                                                                                                  (HealthSync)              (HealthSync)              (HealthSync)
                                                               Employee only
                                                                                                    $2,000 (in)               $2,750 (in)               $4,000 (in)
      Deductible                                                                                   $3,500 (out)              $5,000 (out)              $6,500 (out)

      Medical & Rx Combined                                                                           $2,900                    $4,000                    $6,000
                                                               Employee + one or more             (HealthSync)              (HealthSync)              (HealthSync)
                                                               covered family members              $4,000 (in)                $5,500 (in)               $8,000 (in)
                                                                                                   $7,000 (out)              $10,000 (out)             $13,000 (out)

                                                                                                    90%/10%                   90%/10%                   90%/10%
                                                                                                  (HealthSync)              (HealthSync)              (HealthSync)
      Coinsurance                                                                                 80%/20% (in)              80%/20% (in)              75%/25% (in)
                                                                                                 60%/40% (out)             60%/40% (out)             55%/45% (out)

                                                                                                     $2,250                     $4,250                    $5,500
                                                                                                  (HealthSync)              (HealthSync)              (HealthSync)
                                                               Employee only
                                                                                                    $3,250 (in)               $5,250 (in)               $7,000 (in)
      Out-of-Pocket Maximum                                                                        $6,000 (out)              $10,000 (out)             $13,000 (out)
      Medical & Rx Combined
      (includes deductible & coinsurance)                                                             $4,500                   $8,500                    $11,000
                                                               Employee + one or more             (HealthSync)              (HealthSync)              (HealthSync)
                                                               covered family members               $6,500 (in)              $10,500 (in)              $14,000 (in)
                                                                                                   $12,000 (out)            $20,000 (out)             $26,000 (out)

                                                                                               $25 towards ded.;         $25 towards ded.;         $25 towards ded.;
                                                               West Lafayette                  coins. applies after      coins. applies after      coins. applies after
      Center for Healthy Living                                                                        ded.                      ded.                      ded.
      Office Visit
                                                               Fort Wayne                         Ded. & coins.             Ded. & coins.             Ded. & coins.

      Primary Care Office Visit                                                                   Ded. & coins.             Ded. & coins.             Ded. & coins.

      Specialty Care Office Visit                                                                 Ded. & coins.             Ded. & coins.             Ded. & coins.

                                                                                               100% coverage (in)        100% coverage (in)        100% coverage (in)
      Preventive Care                                                                          Ded. & coins. (Out)       Ded. & coins. (Out)       Ded. & coins. (Out)

      Emergency Room                                                                              Ded. & coins.             Ded. & coins.             Ded. & coins.

      Urgent Care Facility                                                                        Ded. & coins.             Ded. & coins.             Ded. & coins.

    Employees may contribute to their HSAs if eligible, up to a combined University and employee limit of $3,600/employee and $7,200/employee plus one or more covered
    family members. Additional rules apply to employees with spouses who also have HSAs and FSAs.

5
PHARMACY
     2021 PLAN COVERAGE & LAB
    For more details, visit purdue.edu/hr/Benefits/prescription/index.php

                                                                                Premier, Standard & Limited CDHPs

                                                                                            Prescription Drugs

                                                                                 Retail                        Mail Order
                                                                            (30-day supply)*                 (90-day supply)

                                                      Preventive               100% coverage                      100% coverage
     Generic
                                                                         Deductible, then actual cost     Deductible, then actual cost
                                                   Non-preventive
                                                                             up to max of $10                 up to max of $20

                                                                               No deductible,                      No deductible,
                                                      Preventive
                                                                             35% to max of $50                   35% to max of $100
     Preferred Brand Name
                                                                              Deductible, then                    Deductible, then
                                                   Non-preventive
                                                                             35% to max of $50                   35% to max of $100

                                                                              No deductible,                   No deductible,
                                                      Preventive
                                                                            50% up to max of $75            50% up to max of $150
     Non-Preferred Brand Name
                                                                              Deductible, then                Deductible, then
                                                   Non-preventive
                                                                            50% up to max of $75            50% up to max of $150

                                                                             Deductible then                  Deductible, then
     Specialty Rx                                                          55% up to max of $250            55% up to max of $250

    90-day supply of prescriptions available at CVS retail pharmacies, based on mail-order pricing.

                                                                                Premier, Standard & Limited CDHPs

                                                                                                   Labs
                                                                                   (Tier 1 labs are part of HealthSync)

     Tier 1 Labs, including                           Preventive                                 100% coverage
     Center for Healthy Living
     and PUSH Labs                                 Non-preventive                         Deductible and coinsurance

                                                      Preventive                                 100% coverage
     Tier 2 Labs      (In-network)
                                                   Non-preventive                         Deductible and coinsurance

     Tier 3 Labs (Out-of-network)                                                         Deductible and coinsurance

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MEDICAL
     2021 J1 VISA PLAN & PREMIUMS
    ANNUAL EMPLOYEE (J-1) PREMIUMS
                                                                J-1 Visa                                                      J-1 Visa

      Employees earning under $45,500*                                                   Employees earning $45,500 or more*

      Employee Only                                              $121.68                 Employee Only                        $457.20

      Employee & Children                                        $219.48                 Employee & Children                  $823.44

      Employee & Spouse                                          $609.24                 Employee & Spouse                    $1,477.56

      Employee & Working Spouse                                 $1,359.24                Employee & Working Spouse            $2,977.56

      Employee & Family                                          $825.00                 Employee & Family                    $2,004.12

      Employee & Family                                                                  Employee & Family
                                                                $1,575.00                                                     $3,504.12
      (Working Spouse)                                                                   (Working Spouse)

    These rates do not include:
    Tobacco-user additional premium of $1,000 for employee and $1,000 for spouse
    *Benefit plan premiums adjust accordingly at the time annual pay crosses above or below the $45,500 annual salary tier.

    PLAN COVERAGE                                                                                            J-1 Visa

                                                                                                         $250 (HealthSync)
                                                                            Employee only                    $500 (in)
      Deductible                                                                                            $1,000 (out)
      No deductible on in-network primary care provider office visits
      and mental health/behavioral/substance abuse outpatient &                                          $750 (HealthSync)
      professional visits.                                                  Employee + one or more
                                                                                                             $1,000 (in)
                                                                            covered family members
                                                                                                            $2,000 (out)

                                                                                                     90/10% (HealthSync)
      Coinsurance                                                                                         75/25% (in)
                                                                                                         50/50% (out)

                                                                                                      $5,350 (HealthSync)
                                                                            Employee only                  $6,350 (in)
                                                                                                          $12,700 (out)
      Out-of-Pocket Maximum
      (Includes deductible)                                                                          $10,700 (HealthSync)
                                                                            Employee + one or more
                                                                                                          $12,700 (in)
                                                                            covered family members
                                                                                                         $25,400 (out)

                                                                            West Lafayette               $10 towards ded.;
      Center for Healthy Living                                                                            coins. applies
                                                                            Fort Wayne                       after ded.

    Coverage includes:
    • Repatriation of remains in the amount of $25,000
    • Expenses for medical evacuation of the visitor to his or her home country in the amount of $50,000

7
PHARMACY               &   LAB
     2021 J1 VISA – PLAN COVERAGE
                                                                              J-1 Visa

     Prescription Drugs: Retail* (30-day supply)

                                              Preventive                   100% coverage
     Generic
                                           Non-preventive               Actual cost; $10 max

                                                                           No deductible,
     Preferred Brand Name                                                30% to max of $100

                                                                           No deductible,
     Non-Preferred Brand Name                                            40% to max of $150

                                                                           No deductible,
     Specialty Rx                                                        50% to max of $250

     Prescription Drugs: Mail Order (90-day supply)

                                              Preventive                   100% coverage
     Generic
                                           Non-preventive               Actual cost; $25 max

                                                                           No deductible,
     Preferred Brand Name                                                30% to max of $250

                                                                           No deductible,
     Non-Preferred Brand Name                                            40% to max of $350

                                                                           No deductible,
     Specialty Rx (30-day maximum)                                       50% to max of $250

     Labs

     Tier 1 Labs, including
     Center for Healthy Living Lab                                         100% coverage
     (In-network, best pricing option)

     Tier 2 Labs     (In-network)                                   Deductible and coinsurance

     Tier 3 Labs (Out-of-network)                                   Deductible and coinsurance

    *90-day supply of prescriptions available at CVS retail pharmacies based on mail-order pricing.

    For vision and dental plans and rates, see pages 12-13.

8
MEDICAL
     IT’S DECISION TIME
    As you select benefit plans for 2021, one of the most important
    decisions you’ll make is choosing the medical plan that makes
    the most sense for you and your family.

             PLAN COMPARISON TOOL BY BENEFITFOCUS
             Trying to figure that out over an entire year can be challenging. To help you,
             Benefitfocus has a medical plan comparison tool that estimates your expenses based
             on your claims over the past 12 months. You can even customize the data to estimate
             your expenses between the plans.
             Your data is in the system and only you can see it, so you don’t have to figure out
             the claim costs yourself. The plan comparison tool also allows you the option to
             estimate tax savings when you contribute to an HSA. We think this tool will help you
             understand your options and give you confidence in your medical plan choice.

             The plan comparison tool is available
             during open enrollment. Log in to
             BenefitFocus and click on Enroll Now.

             View Usage
         1   You can review using your Actual Usage
             over the last 12 months, or you can
             choose the Customize usage option,
             which allows you to personalize your
             data.

             Estimate Your Tax Benefit                        Compare Plans
        2    Enter the amount you (and/or
                                                        3     With a simple click, the plan
             Purdue) will contribute to an HSA or             comparison tool provides your
             HRA to see your tax benefit.                     estimated costs for each plan!

9
HEALTHCARE
      FUNDING ACCOUNTS
     Purdue deposits money in your Health Savings Account (HSA)
     or Health Reimbursement Arrangement (HRA) to help with the
     cost of your eligible medical expenses.
     DO YOU QUALIFY FOR AN HSA?                                                        2021 MAXIMUM HSA
                                                                                       CONTRIBUTION

                                                                                       $3,600
     Participating in one of Purdue’s CDHPs qualifies you for an HSA, but IRS
     rules may make you ineligible or affect the tax status of your account.

                                          Answer these questions                       EMPLOYEE
                                        to determine your eligibility.

                            •     Are you on any form of Medicare or collecting
                                  Social Security? See page 20 for eligiblity
                                  guidelines.
                                                                                       $7,200
                                                                                       EMPLOYEE PLUS
                            •     Do you have non high-deductible medical insurance    COVERED FAMILY
                                  coverage outside of Purdue?                          MEMBERS
                            •     Do you use Veterans Administration benefits or
                                  TRICARE benefits?
                            •     Does your spouse have a Flexible Spending            REMEMBER!
                                  Account (FSA)?
                                                                                       The maximum contribution
                                                                                       limits are for employer and
                             If you answered NO to           If you answered YES to
                            all these questions, you        any of these questions,    employee contributions
                                qualify for an HSA.         you will receive an HRA.   combined.
                                                                                       The amounts you receive
      Purdue Annual         $325 - Individual              $325 - Individual           from Purdue and the
      Contribution          $650 - Family                  $650 - Family
      Amount                                                                           Healthy Boiler incentive
                            Deposited in January           Deposited in January
                                                                                       should be included
                                                                                       when you calculate the
                            Yes. Funds available after
      Employee Can
                            payroll deductions each
                                                           No, but you can             max amount you can
      Contribute                                           contribute to an FSA        contribute for the year.
                            pay period
                                                                                       Catch-up contributions:
      Who Owns Account      You                            Purdue                      If you are an employee
                                                                                       age 55 or older, you may
                            Carries over year to year                                  contribute an additional
                            and always belongs to you;     Unused funds revert         $1,000 in 2021.
      Carry-over Limits
                            passes to beneficiaries in     back to Purdue
                            event of death

      FSA Type              Limited Purpose FSA            Traditional FSA
10
HEALTHCARE
      FUNDING ACCOUNTS
     You may contribute to Flexible Spending Accounts (FSA) to help
     with the cost of your eligible medical expenses.

     WHICH TYPE OF FSA CAN YOU HAVE?
     The type of FSA you can have depends on whether you have contributions going into an HSA or an
     HRA. If you have an HSA, you may also elect a Limited Purpose FSA; if you will have an HRA, you may
     elect a traditional FSA.

                             Limited Purpose FSA                Traditional FSA          2020 MAXIMUM FSA
                                                                                         CONTRIBUTION*

                                                                                         $2,750
        Funding Account
                                      HSA                             HRA
           Used With

                                                            Medical, Dental, Vision,
        Eligible Expenses        Dental, Vision
                                                                Prescription             HEALTHCARE OR
                                                                                         LIMITED PURPOSE
                                                                                         FSA
         Funds Available    Full amount available Jan. 1 or upon effective date

          2021 Claims       Incurred between Jan. 1 - Dec. 31, 2021

                            2020 Claims: March 31, 2021
                                                                                         $5,000
                                                                                         DEPENDENT CARE
           Deadlines        2021 Claims: March 31, 2022                                  FSA
                            (All claims must be incurred by Dec. 31 of previous year.)
                                                                                         Did you know you can use
                                                                                         pre-tax dollars to pay for
        Forfeited Funds     Remaining 2021 funds forfeited after March 31, 2022          dependent child care (under
                                                                                         age 13) and adult care while you
                                                                                         and your spouse work?
                            Keep your receipts in case the IRS ever asks you to
            Receipts                                                                     Examples: Day care facilities,
                            confirm use of funds
                                                                                         day camps, after-school care,
                                                                                         senior centers, private sitter
                                                                                         (not immediate family), elder
                                                                                         care
                                                                                         *2021 contributions limits were not

                ALL PRE-TAX ACCOUNTS ARE TO BE USED
                                                                                         released by the IRS at the time of
                                                                                         publication.

                SOLELY FOR ELIGIBLE EXPENSES THAT ARE
                NOT COVERED BY YOUR MEDICAL PLAN.
11
VISION
      VSP PLAN COVERAGE
     Purdue provides vision coverage through Vision Service Plan (VSP).
     Here’s what you need to know about your vision coverage:

                              VSP                                                WHO’S ELIGIBLE?

       Benefits cover a yearly * exam as well as                    In 2021, Purdue’s vision plan will be a
       the glasses or contacts you need.                            separate election from the medical plan.
       •   You can use VSP or non-VSP doctors—                      It is a free benefit for our employees and
           but you’ll receive greater coverage and                  their families, however, you will need to
           lower costs with VSP doctors.                            elect it during open enrollment (no longer
       •   Your coverage also includes lower                        automatically included).
           costs on LASIK and PRK procedures.                       You do not have to be covered by a Purdue
       *per calendar year                                           medical plan in order to elect vision
                                                                    coverage. However, you must be covered
                                                                    in order to elect vision coverage for your
                                                                    dependents.
     VISION COVERAGE
                                   Description                     Cost
                                                                                      RESOURCES
     Well Vision
     Exam
                    • Eligible each calendar year                    $5               Learn more about your
                                                                                      vision coverage on the
                    • Eligible every other calendar year                              benefits website or at
                    • $150 allowance for a wide selection of    $10, included         vsp.com.
     Frames           frames, $200 for featured frame brands   in prescription
                                                                   glasses            Ways to Find a VSP Doctor
                    • 20% savings on the amount over your
                      allowance                                                          Call VSP at 800-877-7195.

                    • Eligible each calendar year                                        Visit vsp.com and
                                                                                         click on the Members tab.
                    • Single vision, lined bifocal and lined    $10, included
     Lenses           trifocal lenses                          in prescription           New Users: Click on
                                                                   glasses               Register Now and enter
                    • Polycarbonate lenses for dependent                                 your Member ID, which is
                      children                                                           the first 10 digits of your
                                                                                         Purdue ID number, without
                    • Eligible each calendar year
                                                                                         dashes or spaces. Enter
     Contacts       • $130 allowance for contacts;                                       other required information
     (instead of      copay does not apply                       Up to $60               and follow the on-screen
     glasses)       • Contact lens exam (fitting and                                     instructions.
                      evaluation)
12
DENTAL
      PLAN CHOICES
     You have three choices for dental coverage:

           PREVENTIVE ONLY                      ANTHEM DENTAL                        ANTHEM DENTAL
                                                 PLAN OPTION 1                        PLAN OPTION 2
                                              (POINT-OF-SERVICE)                       (STANDARD)
        This option covers
        preventive services
        only.
                                            This plan provides the               This plan provides the
        Requires election in                broadest choice of                   most cost-effective
        Benefitfocus even though            dental providers.                    benefits for preventive,
        no premium is charged.                                                   diagnostic and basic
                                            While you will receive
                                            the greatest benefits for            treatments, but ONLY
                                            preventive, diagnostic               when an Anthem Dental
                                            and restorative work with            Complete dentist
                                            in-network providers, this           provides the care.
                                            plan also allows you to              Very little coverage is
                                            use non-network dentists             provided when using
                                            at a reduced level of                non-network dentists.
                                            coverage.

     ANNUAL DENTAL PREMIUMS
     Coverage levels for Anthem Dental Plan Option 1 have been enhanced—including an increased plan limit and
     orthodontia coverage for dependents age 18 and younger—and the annual premiums have increased for 2021.

                                              Anthem
                              Anthem                            Anthem
                                            Dental PPO
                            Dental PPO
                            Preventive
                                             (Point-of-
                                                              Dental PPO
                                                              (Standard)
                                                                                 RESOURCES
                                              Service)
                             Only Plan                       Plan Option 2       For plan details:
                                            Plan Option 1
                                                                                    Visit the Benefits website at
      2021 Annual Dental Premiums                                                   purdue.edu/hr/Benefits/
                                                                                    dental/index.php
      Employee Only             $0            $309.48           $104.28             or visit Anthem Dental at
                                                                                    anthem.com.
      Employee & Children       $0            $776.28           $245.04
                                                                                    Call Anthem Dental at
      Employee & Spouse         $0             $629.16          $213.48             877-604-2142.
      Employee & Family         $0            $1,180.56         $384.00

13
HEALTHY        BOILER
      WELLNESS PROGRAM INCENTIVES
     Healthy Boiler is back again! Taking care of your health
     is important and can lead to better quality of life.
     For 2021, Purdue will offer incentives for eligible employees and covered spouses who
     complete an annual physical and/or biometrics screening. We also encourage you to
     explore the many resources available through the Healthy Boiler portal.

     Healthy Boiler runs from Jan. 1 – Dec. 31, 2021.

     HERE’S HOW IT WORKS:                 Employee       Employee +         Employee +               Employee +
                                            Only          Spouse              Child*                  Family*

                                        $200 –          $200– Employee    $400 –                  $200 – Employee
     Complete annual physical
                                        Employee        $200 – Spouse     Employee                $200 – Spouse

                                        $125 –          $125 – Employee   $250 –                  $125 – Employee
     Complete biometrics screening
                                        Employee        $125 – Spouse     Employee                $125 – Spouse

     TOTAL INCENTIVE:                     $325            $650              $650                      $650
           										                                                           * Child(ren) are not eligible for incentives

     WHEN WILL YOU RECEIVE                               HOW DO I REGISTER FOR THE
     WELLNESS INCENTIVES?                                HEALTHY BOILER PROGRAM?
     Incentive payments are made monthly through         Employees must register and set up their
     the employee’s Health Savings Account (HSA)         Healthy Boiler account before their spouses
     or Health Reimbursement Arrangement (HRA).          may register.

     •   If you have an HSA: Payments for both            •   Go to healthyboiler.com and click Register.
         the employee and spouse will be deposited        •   Complete the required registration
         directly to the employee’s HSA.                      information.
     •   If you don’t have an HSA: Employees                   •   If you are the Purdue employee,
         without an HSA will receive payments to                   select Employee for Member Type.
         their HRA. If no HRA exists, Purdue will              •   If you are the spouse of a Purdue employee,
         establish an HRA at the time the incentive                select Spouses for Member Type.
         is payable. HRA accounts are similar to          •   Under Eligibility Information, Purdue employees
         flexible spending accounts (FSA). HRA                enter your 10-digit PUID number and first and
         funds can be used for the same types of              last name as it appears on pay stub. Spouses
         health expenses as an FSA.                           should enter their legal first and last name.
                                                          •   Continue as prompted to finish registration.
14
VOLUNTARY
      BENEFIT CHOICES
     These benefits are designed to help you and your family through
     difficulties, such as an accident, critical illness or death.
     Our voluntary benefits give you the convenience and ease of paying for most of them via payroll
     deduction. Plus, you benefit from our group buying power and discounted arrangements.

                                                               Coverage                         Eligible     Provider

                                           Accident-related expenses, medical
                      Accident
                                           treatment, hospitalization, diagnostic testing,
                      Insurance
                                           follow-up care, transportation/lodging
                                                                                               You, your
                                           Payable when diagnosed with covered
                      Critical Illness                                                         spouse or       Voya
                                           critical illness (i.e. heart attack, stroke,
                      Insurance                                                                 children
                                           cancer, coronary artery bypass graft)

                      Supplemental
                                           Hospital stays due to accident or illness
                      Hospital Insurance

                                                                                               You, your
                      Universal Life       Broader life insurance that builds cash value
                                                                                               spouse or   Transamerica
                      Insurance            and has withdrawal/loan options
                                                                                                children

                                           Automotive, homeowners coverage and a
                      Auto/Home
                                           wide range of other property and casualty              You      Liberty Mutual
                      Insurance*
                                           insurance products

                                           Free basic services in-network/set fees out-of-network

                      Legal Services       Types of legal assistance: Family/personal law, financial,       Hyatt Legal
                                           home and real estate civil lawsuits, future/estate planning,
                                           identity management, vehicle and driving, elder care issues

                                           Financial protection for pet expenses; no pre-approval for
                      Pet Insurance*                                                                        Nationwide
                                           providers; covers treatments, surgeries, lab fees, X-rays

     * Not deducted via payroll.

15
OPEN     ENROLLMENT
      IMPORTANT REMINDERS
     Benefit decisions are important for you and your family.
     That’s why we encourage you to spend a little time each fall reviewing your benefit options for
     the next year and ensuring that you’ve recorded the correct information for all of your benefit
     selections. A few important reminders:

     WORKING SPOUSE PREMIUM: DOES IT APPLY TO YOU?
     We continue to give employees the option of covering spouses under our medical plans. However,
     rising medical costs have made covering spouses more challenging for us in recent years. For that
     reason, spouses who have access to medical coverage through their employer but choose not to enroll
     in it will be charged an additional premium. This premium will help offset some of the additional costs
     while still allowing your spouse to receive primary coverage through Purdue.

     The additional premiums for employees who wish to cover
     a working spouse in 2021 are:
        •   $750 annually for employees who earn less than
            $45,500 and elect the employee/spouse or family plan.
        •   $1,500 annually for those who earn $45,500 or higher               The Working Spouse Premium
            and elect the employee/spouse or family plan.                      will be waived if you’re
                                                                               covering a spouse who is:
     With this process, we know there will be questions on
     whether or not the premium applies to you. You will have                  • Employed or self-employed
     the Working Spouse Premium added only if all of these                       outside of Purdue with no
     conditions are met:                                                         access to coverage that
                                                                                 meets criteria
        •   Your spouse is employed or self-employed with access
            to a group plan at their place of employment                       • Employed or self-
                                                                                 employed and takes
        •   Your spouse’s employer pays at least 50% of an
                                                                                 outside coverage
            employee-only premium
                                                                                 (therefore secondary
        •   Your spouse opts not to enroll in their employer’s plan              coverage through Purdue)
        •   Your spouse has primary coverage through Purdue                    To have the premium waived,
                                                                               complete the Working
                                                                               Spouse Premium Waiver
                                                                               Form and upload it into
                Still not sure if the Working Spouse Premium                   Benefitfocus.
                applies to you? Download our Working                           The deadline is Dec. 1,
                Spouse Guide.                                                  2020 or the working spouse
                                                                               premium will be applied.
16
OPEN     ENROLLMENT
      IMPORTANT REMINDERS
     TOBACCO CERTIFICATION STATUS
        •   Certified tobacco users: Status does not roll forward
            with charge of additional tobacco-user premium.
        •   Certified non-tobacco users: Status does not roll
            forward without additional premium.
        •   Certified tobacco user with approved waiver for
            2020: Status will need to be re-certified in Benefitfocus
            for 2021.
                                                                        NEW DEPENDENTS?
     Each year you will need to re-certify your tobacco status in
                                                                        If you’re enrolling
     Benefitfocus.
                                                                        dependents for the
     If you do not re-certify, you will default to tobacco-user         first time, remember
     status and the additional tobacco-user premium will apply          to upload the required
     to both you and your spouse, if applicable.                        documentation to the
     Tobacco users will have the option of completing an                Benefitfocus system.
     approved tobacco cessation program to avoid the $1,000 per         Enrollment is not complete
     person additional tobacco-user annual premium charge.              without this documentation.
     Completed program certificates submitted between Jan. 1 and
     March 31, 2021, will result in lower premiums for all of 2021.
     Completed certifications submitted after March 31, 2021, will
     reduce premiums for the remainder of the plan year only.
                                                                        More information on
                For details, visit                                      required dependent
                purdue.edu/hr/Benefits/medical/                         documentation:
                tobaccoCessation.php                                    purdue.edu/hr/Benefits/
                                                                        employeebenefits/chg_
                                                                        fam_status.php
     GENERALLY, BENEFIT CHANGES
     ARE LIMITED TO OPEN ENROLLMENT.
     There are few exceptions to this rule. Change in family status
     rules allow you to make some related benefit changes during
     the plan year due to a qualifying life event, such as marriage,
     birth, etc. For more information, see page 21 or visit the
     Benefits website.

17
OPEN     ENROLLMENT
      HOW TO ENROLL
     It’s time to review your benefit options and soon you will enroll
     in plans that best meet the needs of you and your family.

     HOW TO ENROLL
            Open enrollment is Oct. 28 to Nov. 10 at 6 p.m. (ET). Sign
       1    in to Benefitfocus at one.purdue.edu.

            Click the Faculty & Staff Benefits Open Enrollment banner
       2    at the top of the page.

            Log in with your Purdue career account username and
       3    BoilerKey. Don’t know your username or BoilerKey? Call:
               West Lafayette: 765-494-4000
               Fort Wayne: 260-481-6030
               Northwest: 219-989-2888
            Click To Enroll, Make a Change and View Your Benefits
       4    CLICK HERE located at the top right of your screen.
                                                                           You can enroll for
       5    Click the gold Get Started button to begin enrolling.          2020 benefits, make
                                                                           updates during
            Follow the prompts to review your profile information, make    open enrollment or
       6    changes to dependents and answer survey questions.             qualifying life events,
                                                                           and stay connected
                                                                           with benefit education
       7    Select your plan choices and review/record beneficiaries.      and support tools–all
            Once you’ve reviewed the benefit plans, scroll to the bottom   from the palm of your
                                                                           hand!
       8    of the page and choose Complete Enrollment when you are
            ready to submit your enrollment. Review your confirmation      Download the
            and choose Continue to Next Page.                              Benefitsplace app
            Once you’ve completed your enrollment, print the Employee      from Google Play for
       9    Summary Report, located on the “Manage Your Benefits”          Android devices or the
            page. This serves as your confirmation of benefits and         App Store for Apple
            provides proof of your enrollment.                             devices.

            Confirm benefits and dependents listed are accurate.
       10   You may log in and submit any changes until Nov. 10 at
            6 p.m. (ET). No changes will be accepted after that time.

18
OPEN      ENROLLMENT
      BENEFITS CHECKLIST
     YOUR 2021 BENEFITS CHECKLIST
     Your current benefits, including your medical plan, will NOT roll over, so you must log into
     Benefitfocus and make elections in order to have benefits in 2021.
           Familiarize yourself with your                      Elect Health Savings Account (HSA) or
           benefit options.                                    Health Reimbursement Arrangement (HRA)
           Review this guide and visit purdue.                 Enrollment in a CDHP makes you eligible
           edu/hr/benewell for more detailed                   for an HSA or HRA. Purdue will make
           explanations and helpful educational                an annual employer contribution ($325
           tools.                                              individual / $650 family) into whichever
                                                               account you are eligible for in January.
           Select your medical coverage                        Remember, for HSAs, your annual
                                                               contribution and Purdue’s cannot exceed
           For 2021, you have a choice of three
                                                               the IRS limit.
           consumer-driven health plans (CDHPs).
           These plans are new so be sure to review            Decide if you want a healthcare Flexible
           them carefully. Note: There is only one             Spending Account (FSA)
           option for individuals with a J-1 Visa.
                                                               If you have an HSA, you may also elect a
           Select your dental coverage.                        Limited Purpose FSA; if you will have an
                                                               HRA, you may elect a traditional FSA.
           You can choose one of Purdue’s three
           dental plans.                                       Remember: FSAs are use-it-or-lose-it, so
                                                               carefully consider the amount you want to
           Select your vision coverage.                        contribute.
           Vision coverage is separate from our
                                                               Determine if a dependent care FSA
           medical plans in 2021. Purdue provides
                                                               is right for you.
           this benefit at no cost to you and
           your dependents. You can elect vision               If you want a dependent care FSA to
           coverage even if you are not enrolled in a          help you pay for eligible dependent care
           Purdue medical plan.                                expenses, child or eldercare costs, choose
                                                               the amount you wish to contribute (up to
           Understand your options if you will                 $5,000 annually).
           retire in 2021 and/or will turn 65 and
           draw Social Security benefits in 2021.              Make other benefit choices to protect you
                                                               and your eligible dependents.
           Attend a session specifically designed
           to answer your questions about these                Review options for disability, voluntary life
           important topics. If you still need help,           insurance, AD&D, supplemental hospital,
           schedule a one-on-one session.                      accident insurance, critical illness, legal and
                                                               universal life insurance.
                                                               Review your beneficiaries on plans to make
                                                               sure they are accurate.
19
RESOURCES
      HELP IS AVAILABLE!
                 RESOURCES
                      PURDUE.EDU/BENEFITSENROLLMENT
     We understand that making benefit choices may require some
     big decisions. There are a lot of things to consider. We want to
                                                                              NEED ASSISTANCE?
     make sure you have the tools and resources you need to answer            • E-mail hr@purdue.edu
     questions, understand terms and evaluate the benefit plans                 or send a secure
     thoroughly.                                                                email through
                                                                                purdue.edu/hrhelp.
       The dedicated benefits website is user-friendly and easy to
       navigate. It is your go-to resource for all things open enrollment.    • Contact your campus
                                                                                Benefits team
       The benefits guide will be in an electronic-only format this            West Lafayette:
       year. It will be sent via email to every benefits-eligible employee.    Call 765-494-2222 or
                                                                               toll-free at 877-725-0222
            PRESENTATIONS & LABS                                               Fort Wayne:
                                                                               Email hr@pfw.edu or
               We will not be holding general presentation sessions            call 260-481-6840
               in person this year. However, HR Benefits is partnering
               with our HR business partners to offer virtual                  Northwest:
               presentations for each department or academic unit.             Email hr@pnw.edu or
                                                                               call 219-989-2251
               A recorded, interactive version of the presentation is
                                                                              Please allow us time to
               available online.
                                                                              respond to your message
               Schedules for each campus are available on the                 or email as our call
               Resources section of the enrollment website.                   volume increases as we
                                                                              prepare for and during
               The Purdue Northwest (PNW) and Purdue Fort                     open enrollment.
               Wayne (PFW) campuses also has resources available
               on the dedicated enrollment website.

             ONE-ON-ONE ASSISTANCE
               We’ll offer virtual one-on-one meetings (via Microsoft
               Teams or phone) with a Benefits team member
               between Sept. 14 and Oct. 23. You can discuss topics
               like the new CDHP medical offerings, transitioning
               from a PPO to a CDHP, how prescriptions are covered,
               voluntary plan options and more.

20
•   Review your elected benefits.
     SPECIAL RULES REGARDING
     MEDICARE AND YOUR HSA                                    •   Change how you’re contributing to your HSA.
                                                                  HSA contribution changes can be made at any
     There are special rules about Medicare coverage              time.
     and HSA contributions. If you’re age 65 or older,
     you’ll want to consider the following:                   •   Check and update your beneficiary
                                                                  information for term life insurance and
     •   Neither an employer nor the employee can                 accidental death and dismemberment coverage.
         make pre-tax contributions to an HSA if the              (Retirement beneficiaries can be updated on
         employee has Medicare Part A or B.                       Fidelity’s website).
     •   If you receive Social Security benefits, you are
         automatically enrolled in Medicare Part A, so        BENEFIT CHANGES
         you are not eligible to make or receive pre-tax
         HSA contributions.                                   Generally, benefit changes are limited to open
                                                              enrollment.
     •   If you begin Social Security benefits during 2021,
         Social Security will automatically award you         There are few exceptions to this rule. Change in
         Medicare benefits retroactively. Your Medicare       family status rules allow you to make some related
         start date will be the month of your 65th            benefit changes during the plan year due to a
         birthday, or six months prior to when your Social    qualifying life event, such as marriage, birth, etc.
         Security benefits begin, whichever is latest.        •   No medical plan change: You may not choose
     •   If you do not draw Social Security benefits,             a different medical plan because of a change
         you are not required to start Medicare Part A or         in family status, but you may be able to add or
         B at age 65.                                             drop dependents.
     •   If you are not receiving Social Security and have    •   No FSA/LPFSA change: You’re not allowed to
         declined Medicare, but your spouse is covered            make any change to your FSA/LPFSA during
         under Medicare, you can still use your HSA               the plan year.
         funds to pay for your spouse’s expenses. As the      •   HSA contribution changes: You can modify the
         account owner, your participation in Medicare            amount you are contributing at any time.
         is what determines eligibility, not your spouse’s
                                                              •   31 days to make changes: You must make
         participation.
                                                                  changes within 31 days of the qualifying life
     •   If you have Medicare, you can still elect a              event, or you’ll have to wait until the next open
         consumer-driven health plan, but you are not             enrollment period or another qualifying life
         eligible to make or receive pre-tax contributions        event to make changes.
         to an HSA. You are eligible to receive funds in a
                                                              Find more information about life event changes on
         Health Reimbursement Arrangement (HRA).
                                                              the Benefits website.
     Turning 65 in 2021? Know the facts about
     Medicare and Your HSA
     •   If you or your spouse will turn 65 in the coming
                                                              LEGAL NOTICES
         year, attend a presentation aimed to help answer     Purdue University complies with several laws
         many common questions about decisions you            regarding benefit offerings. You can now view these
         need to make now. Watch this video to learn          notices online. As you enroll in your benefits, you
         more about Medicare and Social Security.             will be asked if you would like to receive these
                                                              notices by mail or view online. These include:
     For more about Medicare and HSA rules:
                                                              • Healthy Boiler Wellness Program
     Call HR Service Center at 765-494-2222 or email
                                                              • Notice of Privacy Practices
     hr@purdue.edu.
                                                              • Notice of Special Enrollment Rights
                                                              • Women’s Health and Cancer Right Act of 1998
     YEAR-ROUND SERVICE                                       • Mental Health Parity Act
     You can access your benefits year-round through          • Health Care Reform Notifications
     Benefitfocus.
                                                              • Premium Assistance under Medicare
     •   Submit new elections and supporting                  • Children’s Health Insurance Program (CHIP)
         documentation when you have a qualifying
                                                              • Certificate of Creditable Coverage for
         life event.
                                                                   Medicare Part D
21
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