Welcome to the 2020 Benefits Open Enrollment Kick Off Presentation - Presenter: Jack Witt Vice President for Human Resources
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Welcome to the
2020 Benefits Open Enrollment
Kick Off Presentation
Presenter: Jack Witt
Vice President for Human Resources
Today We Will Discuss • Strategic Approach to Health Care • Plan Options beginning January 1, 2020 • Available Resources to Assist You • 2020 Wellness Initiatives • Open Enrollment and Wellness Fair Campus visits schedule
State of Health Care
• KSU Plan Costs
• Several initiatives and plan design changes were
taken to control costs in 2019 and have been
doing this since 2017
• 2019 is running at about 6%-7% over last year
meaning health care costs could increase by 3
million dollars or more over the 2018 plan year.
• Peer Institutions
• KSU continues to review programs and benefits
of our peer IUC institutions
Note: Nothing in this presentation affects the terms of any existing collective bargaining agreement
State of Healthcare • Self-funded Plan (like most large employers) • The claims (health care costs) are incurred and paid directly by the University • Medical Mutual of Ohio, CVS/Caremark, and EyeMed administer the payments • The only true “insurance” is for high-dollar claims (stop loss) • The total cost (claims, administration, and stop loss) is almost $60 million dollars
Our Collective Goals • Continue our focus on the health and wellness of all our employees • Identify opportunities to drive quality and optimize costs • Explore opportunities to bring contributions in line with higher education benchmark • Consider plan design changes that are competitive, provide choice and manage cost • Continue communication efforts through education, training and outreach
Our Approach to Healthcare Continued Focus on KSU’s Health Care Strategy • View benefits from a total rewards perspective to effectively position Kent State University in attracting and retaining talent • Offer quality, affordable, and competitive healthcare benefits that support a commitment to your health and wellness • Mitigate the trend of rising healthcare costs in a sustainable way • Engage all stakeholders and constituencies in understanding healthcare benefits, strategies and trends with effective communication, training, and outreach strategies
Healthcare Plan Cost Trend
(NOT SUSTAINABLE)
Total Healthcare Plan Cost
Potential of $23+ million increase in net
Spend from KSU with current plans over the
next 5 years (2017-2021)
Cost After Employee Contribution
50%+ increase in EE contributions with current Employee Share of Premium
plans over the next 5 years (2017-2021)
Note that we have been able to bend down this curve through the changes that
have been made.
Health Care Plan Options 2020 • For plan years beginning 1/1/2020, the University will offer the two health plan options – 85/60 PPO Plan and the High Deductible Health Plan (HDHP), paired with an Health Savings Account (HSA) • Effective 12/31/2019, the 90/70 and 80/60 PPO Plans will end. Note: Nothing in this presentation affects the terms of any existing collective bargaining agreement
Health Care Plan Options 2020
• The High Deductible Health Plan paired with an HSA
Lower monthly premium – higher deductible, but with many
of the services (including preventive care) at no cost
Employer contribution to your HSA
Employee HSA contribution taken on a pre-tax basis
HSA funds are yours – no use it or lose it rule
Opportunity for savings towards retirement
Opportunity for creating investment income
• The 85/60 PPO Plan
Higher monthly premium – lower deductible
Employee FSA contribution taken on a pre-tax basis
FSA – use it or lose it rules applyWhat Remains the Same • Network providers (doctors, hospitals, etc.) continue to be substantially unchanged from 2019 • The ability to participate in and fund Flexible Spending Accounts and Health Savings Accounts (HSA) remains unchanged • Employees continue to have access to a broad network of dental coverage services via our Delta Dental provider • Employees continue to have access to a broad network of vision coverage services via our EyeMed provider
85/60 PPO Plan Basics
• Non-Grandfathered Plan
• Preventive care is covered 100% with in-network
providers at NO COST to the employee (just like the HDHP)
• For example: annual exams, immunizations, preventive
screenings, preventive medications
• Deductible – $300/$600 in-network
• Coinsurance – 15% in-network
• Out-of-Pocket Maximum – $1,500/$3,000 in-network
• Out-of-Pocket Maximum - $1,200/$2,400 – in-network
(Faculty)
• Ability to create and fund a Flexible Spending Account
• Premium Contribution: Average of 18.5%Medical Mutual of Ohio
Available Plan Options
85/60 PPO Option Qualified High Deductible Health Plan
85/60 PPO Plan High Deductible Health Plan
**PLAN**
All Benefits Eligible Employees All Benefits-Eligible Employees
Calendar Year Calendar Year
BENEFIT PERIOD
Jan 1 – Dec 31 Jan 1 – Dec 31
Network Non-Network Network Non-Network
Annual Deductible $300/$600 $600 /1200 $2,700 / $5,400 $3,100 / $6,200
Out of Pocket Maximum $1,500 /$3,000 $3,000 /$6,000
0 0
Out of Pocket Maximum $1,200/$2,400 $2,400/$4,800
Note: Nothing in this presentation affects the terms of any existing collective bargaining agreementHDHP Plan Basics
• Preventive care is covered 100% with in-network
providers at NO COST to the employee
• For example: annual exams, immunizations, preventive
screenings, preventive medications
• Deductible – $2,700/$5,400 in-network
• Coinsurance – 0% in-network
• Out-of-Pocket Maximum – $0 in network
• Ability to create and fund a Health Savings Account
(HSA)
• Kent State contributes to YOUR HSA with the first payroll
annually: $1,000 Single/$2,000 Family
• Premium Contribution: Average of 13%HDHP Plan Basics
Consider The High Deductible Health Plan paired with an
HSA
• Lower monthly premium – higher deductible, but
once it’s met, no co-insurance, or out-of-pocket
maximum
• Employer contribution to your HSA (full employer amount
in your account with the first payroll of the year)
• Employee HSA contribution taken on a pre-tax
basis
• HSA funds are yours – no use it or lose it rule
• Opportunity for savings towards retirement
• Opportunity for creating investment incomeSherri’s Experience
Health Plan Cost Comparison Tool
Excel Tool to Enhance your Decision
Process
• This worksheet will assist you in determining the most cost advantageous plan. Please note
that the most cost advantageous plan may not be the best plan for you. Your actual medical
and pharmacy expenses can vary drastically from the information that you enter into this
spreadsheet.
• Billed medical charges from the prior year can be found by logging in to your MMO’s website
OR, if you wish to assume that you meet your full deductible and coinsurance maximum,
please enter $11,000 for Single and $22,000 for Family.
• Billed prescription charges from the prior year can be found by logging in to your
CVS/Caremark website
• Please consider the network as well as personal risk tolerance when making your selection.
• Disclaimer: This spreadsheet is to be used as a guide only. Cost calculations are for In-network
only and Pharmacy costs are assumed to accrue at 10% coinsurance. In addition, this model
does not account for unique circumstances attributed to the embedded aspect of the HDHP
family plan. Embedded deductibles have two components: the individual deductible for each
family member, and the family deductible. The actual costs associated with your specific
situation will vary. Please contact MMO at 1-800-382-5729 or Anthem at 1-866-870-1780 and
speak to a healthcare professional about your specific circumstances.How We Will Assist You
Human Resources Team
• Open Enrollment Kick Off Forums
• Open Enrollment and Wellness fairs being held at each campus
• Open Enrollment Website dedicated to information concerning:
• current and new plan designs,
• links to each health care provider’s website
• links to video presentations and other video information
• Excel tool that allows you to enter cost data to help determine
the plan that may be best for you
• In-person informational sessions held at each KSU Campus
throughout the Open Enrollment period
• Benefits hotline – an additional phone line in the Benefits dept.
to speak with a team member.
• Education materials on health care and wellness available at
each fair and the University Benefits officeMark Your Calendars
Open Enrollment Dates: Oct. 14, 2019, 8:00 a.m. – Nov. 1, 2019, 4:59 p.m.
Beginning Sept. 26, 2019, you can review important information regarding
your 2020 benefit plan options at
https://www.kent.edu/hr/benefits/open-enrollment-2020
2020 Open Enrollment And Wellness Fairs Schedule
Open Enrollment Dates 10/14/2019 8:00 am - 11/1/2019 4:59 pm
Location Date Time
Ashtabula Thursday 10/10/19 9 am - Noon
Twinsburg Tuesday 10/15/19 9 am - Noon
Trumbull Wednesday 10/16/19 9 am - Noon
Tuscarawas Thursday 10/17/19 9 am - Noon
Geauga Tuesday 10/22/19 9 am - Noon
Kent Wednesday 10/23/19 9 am - 3 pm
KSUCPM Thursday 10/24/19 9 am - Noon
East Liverpool Tuesday 10/29/19 9 am - Noon
Salem Wednesday 10/30/19 9 am - Noon
Stark Thursday 10/31/19 9 am - Noon
UFM Wednesday 10/16/19 3:45 pm – 5 pm
UFM Wednesday 10/16/19 10:45 pm – 11:45 pm
UFM Wednesday 10/23/2019 7:15 am – 8:30 amKim Hauge, Director Employee Wellness
Why Wellness? The path to wellness is interconnected and is much more than physical in nature. Wellness Your Way embraces this view and seeks to be employee-centered by creating programming, education and experiential opportunities where health and wellbeing can emerge along with a sense of belonging. Employees are encouraged to refuel daily and seek out their personal path to wellbeing, whether it be financial, physical, We can’t serve from an emotional and/or spiritual. empty vessel!
Key Collaborators
• Onsite biometric health screenings
• Oversight of Wellness Incentive Program
Be Well (Wellness Your Way)
Solutions • Onsite or telephonic health coaching
• Employee Assistance Program (EAP)
IMPACT • MH, eldercare & childcare assistance
Solutions • Legal, financial & identity theft assistance
• App/device integration
• Library of customizable challenges
• Meaningful health content and
Wellable* health tips; text messaging, opt in
Our Employee • Holistic focus
Wellness
Partners • Student Recreation & Wellness Center
Kent State • University Health Services
University • College of Health & Human Services
• University Dining Services
Collaborations • Women’s Center
• Speech & Audiology and many more
• Employer-sponsored health and
Medical Mutual pharma vendors. Also provide
and CVS Health resources and programs to support
chronic health condition mgmt. and
*New partner for 2020
promote wellbeing
22The Wellness Your Way
Employee Reward Program
Preventive care strongly
encouraged (high point values
for dental, vision, and annual
wellness exams).
Holistic approach to wellness
through choice and broad
definition (financial, spiritual,
physical, emotional).
Employees can focus on their
own health priorities.
Completely voluntary.
Completely confidential.
23Tier One – 4 Simple Steps to $100
and Your Personal Profile
TIER 1
Building
awareness of
your personal
health
Qualifying period Sept. 1,
2019 thru Oct. 15, 2020
24Tier Two – Choose Your Own Path
Earn $200
Annual Wellness Visits/age-appropriate
screenings
Dental Exam/Vision Exam
Smoke and Tobacco-Free Declaration or
participation in Tobacco Cessation
Program
Mindfulness (yoga, meditation)
Move for a Cause - walk/run/ride
28-Day and other customizable challenges
Group X (spinning, Fit for Life, Jazzercise,
strength, etc…)
Educational lunch & learns or workshops
And more
Qualifying period Jan. 1
through Oct. 15, 2020
25New Offerings for 2020
• New 28-Day Challenges
• Sustainability Challenge
• Sleep Tight Tonight
• Mind/Body Challenge
• Resiliency Skills Training Series
• Self-paced via IMPACT
Solutions
• Financial Fitness Series
• Rec & Play Days
• Holiday Hold Challenge
• Jump-start your 2020 points
• Weigh of Life Challenge
• A 12-week educational lifestyle change programIMPACT – Your Employee Assistance
Work/Life Program – New Offerings
- Online Service Request Form - accessible at
www.MyImpactSolution.com. Takes just a few minutes
to fill out and can be used for counselng requests or
daily living requests (legal assistance, financial
counseling Mindfulness coaching, tobacco cessation.
- Telemental Health Services – Contact IMPACT at 800-
227-6007 or via the Service Request Form. Sessions
can be held anywhere at times that are convenient for
you and provides greater network access beyond your
local area. Clinically effective and appropriate for many
concerns.Tracking Reward Points
Be Well Solutions provides the tracking and verification of reward
points, viewable to the employee only at portal.bewelldata.com
Each eligible employee has
access to a secure &
confidential online portal
Employees can view all.
eligible activities, monitor
points, download and
upload verification forms
24/7.
Employees can track and
monitor health progress
and access numerous
educational resources
(videos, apps, webinars).
28How We Will Pay Out Your Reward
Dollars - You Have a Choice
Be Well Solutions (BWS) notifies our office on the
1st and 15th of each month for employees that have
met their Tier 1 or Tier 2 goals. We advise payroll to
make the deposit into the employees' paycheck or
into the Health Savings Account (HSA
• There is a $300 per year maximum (Tier One + Tier
Two).
• Payouts begin February, 2020 for those that have
already completed Tier One prior to Jan. 1, 2020.
• Deposits are made within 2 pay cycles after
notification of point achievement.
*If you elect to have your wellness reward dollars
deposited into your Health Savings Account (HSA),
you MUST elect this on the Be Well portal EACH
YEAR. Employee Wellness will send you a
reminder AFTER the open enrollment window
closes for 2020, to make your election.Stay Connected and Don’t Leave
Your $300 “on the table”
Communications include:
• Face-to-face meetings on all campuses
• Wellness Your Way brochure (delivered via campus
mail in October)
• Designated web page at
https://www.kent.edu/hr/benefits/wellness
• Digital Wellness Calendar
• Faculty/Staff News; Targeted emails;
Flashline notifications
• Wellness AmbassadorsGet a Jump Start on Tier One 2020!
Sign Up for your “Know Your Numbers” screening now, if you haven’t
already.
• The Know Your Numbers screening
is just a “finger-stick”….no needles.
• Optional flu vaccine also available
• Complete your online Health Risk
Assessment on the Be Well Portal at
portal.bewelldata.com
• Complete your consent and waiver
form at the screening or via the portal
Do these and you are all set for 2020. First payouts begin
February, 2020!
Campus screening schedule located at
https://www.kent.edu/hr/benefits/Health-Screening-DatesRecognized as One of the Healthiest Campus
Communities in the Nation!
2018 2019Thank You For Your Time Today Kim Hauge, Director Employee Wellness Heer Hall Phone: 330-672-7505 Email: khauge@kent.edu Web: 7
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