2018 Plan Year Agenda Introductions UPlan Metrics amp 2018 Update New Vendors FSA amp Disability Open Enrollment Dates Options amp Help Open Enrollment Processes Wellbeing Program Update amp Improvements ID: 801509
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Slide1
DEBCP Presentation 2017Open Enrollment for 2018 Plan Year
Slide2Agenda
Introductions
UPlan Metrics & 2018 Update
New Vendors — FSA & Disability
Open Enrollment Dates, Options, & Help
Open Enrollment Processes
Wellbeing Program Update & Improvements
Slide3Presenters
Ken Horstman, Senior Director of Total Compensation
Ryan Reisdorfer, Asst. Health Programs Manager
Lori Stotesbery, Benefit Operations Supervisor
Laura Manydeeds, Wellbeing Program Administrator
Slide4UPlan Performance Metrics
Slide5Aggregate National Healthcare Trend
Note: Data based on a meta analysis of industry research, including research from Willis Towers Watson, Mercer, and the Minnesota Health Action Group.
Slide6UPlan Yearly Health Care Cost
Per
Employee
Slide7Total Paid ($) per Claim by Drug Type: 2004 (Jan.) to 2017 (Mar.)
Based on data from Univ. of Minnesota self-insured drug benefit (UPlan) 2004 to 2017 & compiled by PRIME Institute, University of Minnesota.
$ / Claim
Average Drug Claim $153
Patented Brands $624
OTC Claims $41
Generic
Rxs
$38
Slide8Average number of health risks among repeat participants
has
decreased from 2.77 to 2.31 (-16.6%).**
Current average number of health risks is less than the norm of 2.4.
Reduced Health Risk Due to Ongoing Participation in Wellness Program
Slide9Open Enrollment 2018
Slide10Medical and Dental
Employee contributions will remain the same as 2017 rates
No plan design changes for 2018
ACO name changes:
Fairview & North Memorial (including Boynton & UMP) Vantage Plan and Inspiration Health by HealthEast join to become
VantagePlus with Medica
Medica with Mayo Clinic Health System is changing its name to
Medica CompleteHealth
(featuring care at Mayo Clinic)
Slide11Other Important Enrollment Information
Nurseline
will be offered through Medica beginning on January 1, 2018
New phone number on back of medical ID card
New travel benefit up to $10,000 available to members having transplants
Call Medica customer service for details
HSA Contribution — Current election will carryover to next plan year unless you change it
Enroll in Child Life insurance without health history
Slide12Voluntary Short-Term Disability
Unum is the new disability vendor for disability claims effective 1/1/18 and beyond
Negotiated a 5.7% decrease in premium
Offering open enrollment with no evidence of insurability
One-time
offering
Slide13Voluntary Short-Term Disability
Allows
employees who have been declined in the past to get
coverage
Enroll in benefit
starting at $300
in increments of $100
Allows
employees to increase
current coverage by more
than $200
Maximum benefit
of 66.67% of covered monthly
earnings
Benefit selection is rounded down to nearest $100
Slide14Voluntary Long-Term Disability
Unum is the new disability
vendor for
disability claims effective
1/1/18 and beyond
Negotiated a 13.3% premium decrease
Pre-existing
condition limit.
If treated for a condition within 12 months before
effective date of coverage,
not covered
for that condition until
24 months after
effective date.
Slide15Voluntary Long-Term Disability
OE is the one time employees can enroll/increase benefit
Enroll in benefit
starting at $300
in increments of $100
Increase benefit in increments of $100
Maximum benefit is 60% of covered monthly earnings
Benefit
selection is
rounded down to nearest $
100
Slide16FSA – Flexible Spending Account
(Health Care & Dependent Care Accounts)
New vendor—Discovery
Benefits
taking over as of
11/1/17
Transition from ADP/WageWorks to Discovery
Benefits:
Transition period
is the month
of November
No claims can be
submitted or processed during this timeDebit Card is canceled 11/1/17Discovery Benefits begins processing claims 12/1/17
For remainder of 2017 Plan YearAnd 2018 and beyond
Slide17FSA – Flexible Spending Account(Health Care & Dependent Care Accounts)
Employees
(20 hours/week +) must
enroll each
year
Waiting to hear if annual limits are changing
Key features
from Discovery
Benefits:
Mobile app
-
Recurring DCA claims
Direct deposit
-
Online chat
Pay the provider - Senior customer service
queueText message alerts - Monthly educational emailsClaims sync
Slide18Open Enrollment Options
Slide19Open Enrollment
November 1 – November 30, 2017
Changes are effective on January 1, 2018
Enroll online through MyU
Open Enrollment videos will help participants with the enrollment process
Links are included in the Open Enrollment email and are available on the Benefits Open Enrollment website
Slide20Open Enrollment Options
Medical or Dental plan
:
Add
, change, or cancel
your coverage
Call Medica to change Elect/Essential clinic election
Dependents
:
Add
or remove from your coverage
Flexible
Spending Accounts (FSA)
:
Enroll
in health care or dependent daycare accounts$100-$2,600 for Health Care FSA per employeeUp to $5,000 for Dependent Daycare FSA per household
Slide21Open Enrollment Options
Short-term Disability
:
One-time
opportunity to enroll in short-term disability without evidence of good health
Long-term
Disability
:
For
civil service or labor-represented employees—add, increase, or decrease the amount of coverage, not to exceed 60% of your monthly salary up to $5,000
Child Life Insurance
:
Enroll for $
10,000
without evidence of
good health, if you have not previously covered your children
Slide22Tips for a Successful Open Enrollment
Review your current benefit elections
Start early to avoid the last minute rush
If you are changing or electing dental coverage, call the company (Delta Dental or HealthPartners) or use their online directories to confirm that your dentist participates in the plan
Read emails, reminders, and other communications sent by Employee Benefits
and view the videos
Slide23Tips for a Successful Open Enrollment
Even if you have already submitted your benefit elections for 2018, you can still make changes in
MyU
as long as you submit them by November
30
Keep in mind that the Open Enrollment system is
not
available on Sundays until 12
noon
Once you have completed your selections:
Make sure you click “Submit” at the bottom of the
“
Submit Benefits Choices” page to send your information
to
Employee Benefits.
The “Submit Confirmation” page shows that you completed your enrollment.
Slide24Where to Find Help
Find answers to questions
Call the OHR Contact Center at 612-624-8647 or 1-800-756-2363
, choose Option
1
Email questions to
benefits@umn.edu
Review Open Enrollment information
Open Enrollment website:
z.umn.edu/openenrollment
Includes Benefits Annual Open Enrollment guide and videos
Slide25Where to Find Help
In-Person
Attend an Employee Health & Benefits Fair:
October 31
, Crookston, 11 a.m.-1 p.m.
Nov. 2, Duluth, 10 a.m.-3:00 p.m.
Nov. 6, Morris, 10:30 a.m.-1 p.m.
Nov. 7, Minneapolis, 10 a.m.-3:30 p.m.
Nov. 8, St. Paul, 10 a.m.-3:30 p.m.
Slide26Where to Find Help
Computer Help
Available
at Minneapolis and St. Paul Fairs:
Nov. 7, Minneapolis,
Coffman Memorial Union, Great Hall
Nov. 8, St. Paul Student Center,
North Star Ballroom
Computer Labs
Computer lab is
open
in 317 Donhowe on the Minneapolis campus:
Nov. 28, 29, and 30 from 8:00 a.m. to 4:30 p.m.
Slide27Open Enrollment Processes
Slide28Enrollment Processes for Newly Hired Employees
Employees
hired and in PeopleSoft by
October 29, 2017:
Will
receive the Open Enrollment
email announcement
Able
to participate in Open Enrollment
online
Employees
hired December 1,
2017,
or
later:
Will make one election for all coverage in 2018 as a newly eligible employee
Slide29Enrollment Processes
for Newly
Hired Employees
Employee Benefits will send an email to recently hired
employees—those with either a Nov. 1 or Dec. 1 effective date —who could make
two elections
:
Need to select coverage as a new employee for remainder of the 2017 plan year to access election of new employee options
Have option to make changes during Open Enrollment
May elect to participate in Flexible Spending Accounts for 2017, but must select the FSA again for 2018
Can make both elections online, but need to select NEW coverage first; wait at least 2 days; and then select Open Enrollment benefits for 2018
Slide30Employees with Termination Dates
Employees terminating employment
prior to January
1
are not eligible for Open Enrollment
If
the employee’s appointment date changes to extend past January 1, 2018, please refer employee to the Open Enrollment website
Departments need to update Job Data
first
Employee may encounter problems enrolling online right after appointment changes are
made;
if so, please contact Employee Benefits
Slide31Open Enrollment Communications
Open Enrollment Announcement Email
:
send
on
Nov. 1
to
benefits-eligible employees
Notice in Brief
:
Nov. 1
Reminder Email
:
send
on
Nov. 28 to as reminder of Nov. 30 deadline Enrollment Guide: sent to employees in job codes
without regular computer access; link in Open Enrollment announcement emailProvider directories: online search through the company
Employee Health & Benefits Fair: for Twin Cities campus, DEBCPs will receive a PDF of a poster
Slide32New Employee—Benefit Enrollment
Employee must elect benefits within the
first 30 days of employment
If
they miss this window, they need to wait until the following
Open
Enrollment
After
30 days
, they will miss guaranteed coverage for some
optional benefits
Coverage
becomes effective on the first day of the month following the first day of employment
Slide33New Employee—Benefit Enrollment
New
employees automatically receive an email with a link to enrollment site when they are hired into a benefit-eligible
position
Must
have Social Security Number and dependents’ birth dates to
enroll
Any
changes made to dependent benefits requires Dependent Eligibility Verification if documentation has not previously been provided
Slide34We
appreciate your assistance with
enrollment of new employees during
the year and especially the help you
provide during Open Enrollment.
Questions?
Slide35Employee Wellbeing Program
Slide36Mission statement & 2017-2018 priorities
Wellbeing
& RedBrick Health
UPlan Coverage & Points
New Employee Eligibility
What’s new for 2017-2018?
RedBrick & UMN Programs
Reimbursements
Taxable programs
YOUR map to wellbeing
Questions?
AGENDA
Slide37Mission Statement
The University cares about the health of its employees and their family members. To support healthy habits and choices, the University invests in wellbeing programs that create an enjoyable and compassionate environment for our diverse population across all dimensions of wellbeing: social, emotional, spiritual, environmental, occupational, intellectual, and physical health.
Slide38Program Priorities (2017-2018)
Issue vendor RFP, select and implement a vendor
partner
Evaluate
incentive and value
alignment
Integrate
current
program offerings
Optimize
data integration
Promote wellbeing program awareness to employees and dependents
Increase engagement in wellbeing programs
Increase leadership involvement and
support
Expand wellbeing champion group
Slide39Why Wellbeing?
Overall we are healthier and live longer
More
resilient & engaged
Higher quality relationships & friendships
Productivity
in everyday life is increased
Workplace morale
increases & turnover is reduced
Slide40Accessible, comprehensive programming
in all dimensions of wellbeing
Record of increasing program engagement
by appointment reminders
and easy scheduling capabilities with phone coaches
Comprehensive communications program to actively engage employees from all demographics
Slide41UPlan Coverage & PointsOctober 1, 2017-August 31, 2018
If your
UPlan Coverage is:
Need
to Earn:
Money
Saved in 2019?
Employee
500 points
$500
Employee + Children
500 points
$500
Employee + Spouse*
(with or without children)
750 points
$750
*
UPlan-covered
spouse, can earn a maximum of 250 points out of
750
Slide42New Employee Eligibility
BENEFITS
EFFECTIVE DATE:
IF YOU ENROLL IN BENEFITS BETWEEN:
THEN YOU…
June
1, July 1, August 1, or September 1, 2018
May
1 – August 31, 2018
Only
need to
complete RedBrick Compass Health
Assessment by August 31, 2018 to
receive full incentive of $500 or $750.
Please note:
All
eligible employees must enroll in benefits within the first 30 days of employment.
Slide43What’s New This Program Year?
RedBrick programs have replaced and
enhanced
previous programs we had with Staywell
Participation
reporting has been streamlined (i.e
., biometric
screening results submitted to vendor on weekly basis vs. monthly)
Reimbursements
are 50% of the cost up to $
100
for University Wellbeing Classes and will be taxable as of January 1, 2018
Points
have been increased for the majority of all programs
May
receive points multiple times for a variety of programs throughout the program year
Slide44RedBrick
Compass
Health Assessment
100 points
Online health questionnaire
Takes 15 minutes or less
Unlimited access throughout the year
March
31
st
deadline
removed
to complete the health
assessment
Slide45RedBrick Next Steps Consult – 50 points
10-15 minute phone call
from a RedBrick
coach to:
Review & understand your health assessment and/or biometric screening
results
Connects
you
to appropriate programs
that best
fit
your
goals, needs, and desires
Slide46RedBrick Health Coaching –
250 points
4+ phone calls throughout the year
Improved health behaviors and better biometrics, for those with chronic
conditions;
online scheduling feature
Easy online scheduling through RedBrick
portal
Slide47RedBrick Track - 75 points
Slide48RedBrick Journeys – 50 points each
Self-paced virtual coaching
Covers 65+ different topics with integrated virtual and live support, including game mechanics and
reminders
(Please note: You may turn reminders on/off at your discretion)
Up to 6 journeys for 300 points
Slide49RedBrick Rally – 75
points
Healthy competition / challenge with your colleagues
Participants will be able to form their own teams
Draws social connections, builds
teamwork,
and engagement as well as helps individuals reach their goals faster
Up to two challenges per year / 150 points
Slide50Attend
7
sessions
at Boynton by
August 31,
2018
Group Health Coaching – 250 points
Slide5150% of the cost, up to $
100
back in your
pocket
Lifetime maximums on reimbursements removed, employees & spouses may receive reimbursements every year
Until 12/31/2017
– all reimbursements are through 121 Benefits and
not
taxed
Starting 01/01/2018
– all reimbursements will start to be taxed and will go through
Payroll
Spouse
incentives will be taxable and dispersed through the employee’s paycheck as well
Wellbeing Program Reimbursements
Slide52Programs:
Reimbursement/Discount:
University Fitness Classes
(Recreation & Wellness Center)
$100
for one fitness class / yr.
University
Mindfulness Classes
(Earl E. Bakken Center for Spirituality and Healing)
$100 for one
mindfulness class / yr.
University Cooking Classes
(Healthy
Foods, Healthy Lives Institute)
$100 for one cooking class / yr.
Weight Watchers on
Campus
$180
back if you take two sessions
($90 per 14 sessions in 4 months)
Medica Fit Choices
(Gym Reimbursement)
$20 per month if attend 8x per month
(2 per
household
$480 per yr.)
Nice
Ride Discount
$30/yr. discount
Potential
$
$990
+ overall incentive
Slide53University Wellbeing Program Classes
Weight
Watchers
Fit
Choices (Gym Reimbursement)
Nice
Ride Discount
What
Programs
will be taxed?
Slide54A roadmap to wellbeing and being the best version of
YOU
!
Annual Flu Shot Pledge –
25 points
Biometric Screening –
150 points
Next Steps Consult–
50 points
Non-Tobacco User Pledge -
25 points
EXIT
500 points
RedBrick Track–
75 points
Compass Health Assessment –
100 points
(2) RedBrick Journeys -
100 points
Slide55A roadmap to wellbeing for a spouse?
Annual Flu Shot Pledge –
25 points
Non-Tobacco User Pledge -
25 points
EXIT
250 points
Compass Health Assessment –
100 points
(2) RedBrick Journeys -
100 points
Slide56Questions?
RedBrick Hotline
1-844-724-8636
Employee Wellbeing Program
1-800-756-2363
612-624-8647
Email: well@umn.edu
Slide57Wellbeing Champions & DEBCP Roles
Slide58What are Wellbeing Champions?
Champions are your wellbeing resource at the department
level
Provide leadership in their departments to encourage a healthy work environment and healthy work practices for fellow
colleagues
Provide feedback and suggestions for employees to administrator
Can
schedule wellbeing program presentations at department meetings or events
Become
a Champion today and help make a difference!
If you’re interested in making your department a healthier place to work, please contact
well@umn.edu
and let us know what school or department you work in.
Slide59DEBCP’S Role?
Encourage employees to participate in wellbeing programs. There’s both the financial benefit every year but also the lifetime benefit to their overall health and day-to-day wellbeing
View wellbeing as a dimension of “teamwork”
— i.e., Commit
to building the department’s morale and networks
Try to be a positive role model. Order healthier food options, take your breaks
Show commitment to having a wellbeing champion in your area – if you know someone who would be a great champion, suggest they become one!
Slide60The University of Minnesota is an equal opportunity educator and employer.
THANK YOU!