University of St. Thomas

2016 Annual Enrollment Briefing

Annual Enrollment• Monday, November 16 through Monday, November

30th • “Passive” enrollment this year

– Your current Medical, Dental, Vision and Life Insurance elections remain the same

– Health Care and/or Dependent Care Flexible Spending Account(s), and Health Savings Account (HSA) contributions need to be re-elected each year through the online annual enrollment system

• Changes at any other time of the year are not allowed unless you experience a “qualifying status” change

• The effective date for changes is January 1, 2016

• Minimal increase to the cost for the medical plans - see chart on page 7 for details

• The Health Savings Account (HSA) maximum annual contribution amount will increase to $6,750 for Employee+Spouse, Employee+Child(ren) and Family coverage. The single maximum remains at $3,350.

• Delta Dental – change to their “enhanced” contract.

• The network on the EyeMed vision plan will be slightly larger.

Changes for 2016

BCBS Medical Plan Comparison$500/$1000 Deductible + Copay

$1250/$2500 Deductible

$2600/$5200 Deductible - HDHP

Deductible - Calendar Year

$500 Individual$1,000 Family

$1,250 Individual$2,500 Family

$2,600 Individual$5,200 Family

Medical Out of Pocket - Calendar Year

$2,000 Individual$4,000 Family

$2,500 Individual$5,000 Family

$2,600 Individual$5,200 Family

Rx Out of Pocket - Calendar Year

$2,000 Individual $4000 Family

$2,500 Individual$5,000 Family

Included in medical amount above

Preventive Care 100% 100% 100%

Office Visit or Urgent Care

$35 Copay 80% after Deductible

100% after Deductible

Retail Clinic(Target, MinuteClinic, etc)

$15 Copay 80% after Deductible

100% after Deductible

In-Patient, Out-Patient, Emergency Room

80% after Deductible

80% after Deductible

100% after Deductible

Prescription Drugs $15/35/85 $15/35/85 100% after Deductible

Medical Plan Decision-Making Tool

• You will again have a tool that can help you decide which medical plan is right for you– http://

www.stthomas.edu/media/humanresources/benefits/PlanAdvisorTool.pdf

• The tool will ask you questions about your health usage as well as that of your family

• It will then provide you cost information which incorporates your payroll deduction as well as your out of pocket expenses when you incur a healthcare expense

2016 Medical Plan Cost Comparison

$500/$1000 Deductible + Copay Plan

Total Monthly Cost

UST Monthly Subsidy

Your Monthly Cost

Your Bi-Weekly Cost

Employee Only $677.02 $499.32 $177.70 $88.85

Employee +Spouse $1,218.58 $786.36 $432.22 $216.11

Employee + Child(ren) $1,117.06 $720.86 $396.20 $198.10

Family $1,760.18 $1,135.90 $624.28 $312.14

$1250/$2500 Deductible Plan Employee Only $615.42 $499.32 $116.10 $58.05

Employee +Spouse $1,107.68 $786.36 $321.32 $160.66

Employee + Child(ren) $1,015.38 $720.86 $294.52 $147.26

Family $1,600.02 $1,135.90 $464.12 $232.06

$2600/$5200 Deductible Plan - HDHP

Employee Only $599.86 $499.32 $100.54 $50.27

Employee +Spouse $1,079.66 $786.36 $293.30 $146.65

Employee + Child(ren) $989.68 $720.86 $268.82 $134.41

Family $1,559.52 $1,135.90 $423.62 $211.81

7

2015 and 2016 Medical Plan Rate Comparison   $500/$1000 Deductible + Copay Plan

 2016

Employee Biweekly Cost

 2015

Employee Biweekly 

Cost

 2016

Employee Cost Difference

 2016

UST Biweekly Cost

 2015UST 

Biweekly Cost

 2016

UST CostDifference

Employee Only $ 88.85 $ 86.86 $1.99 $249.66 $235.53 $14.13

Employee +Spouse $216.11 $209.34 $6.77 $393.18 $370.94 $22.24

Employee + Child(ren) $198.10 $191.89 $6.21 $360.43 $340.04 $20.39

Family $312.14 $302.37 $9.77 $567.95 $535.81 $32.14

   $1250/$2500 Deductible Plan

2016

Biweekly

Cost

2015

Biweekly

Cost

2016

Employee Cost Difference

2016

UST Biweekly Cost

2015UST

Biweekly Cost

 2016

UST Cost

Difference

Employee Only $ 58.05 $ 57.53 $0.52 $249.66 $235.53 $14.13

Employee +Spouse $160.66 $156.53 $4.13 $393.18 $370.94 $22.24

Employee + Child(ren) $147.26 $143.48 $3.78 $360.43 $340.04 $20.39

Family $232.06 $226.10 $5.96 $567.95 $535.81 $32.14

   $2600/$5200 Deductible Plan - HDHP

2016

Biweekly

Cost

2015

Biweekly

Cost

2016

Employee Cost Difference

2016

UST Biweekly Cost

2015UST

Biweekly Cost

 2016

UST Cost

Difference

Employee Only $ 50.27 $ 50.11 $0.16 $249.66 $235.53 $14.13

Employee +Spouse $146.65 $143.19 $3.46 $393.18 $370.94 $22.24

Employee + Child(ren) $134.41 $131.24 $3.17 $360.43 $340.04 $20.39

Family $211.81 $206.82 $4.99 $567.95 $535.81 $32.14

Delta Dental Plan

Delta Dental PPO(In-Network)

Delta Premier(Out of Network)

Diagnostic & Preventive

100% 100%

Deductible – Calendar Year

None $25 Individual; $75 Family

Basic Services 100% 90% after Deductible

Periodontics & Endodontics

80% 80% after Deductible

Oral Surgery 80% 80% after Deductible

Major Services 50% 50% after Deductible

Orthodontics (children age 8-18)

50% to a Lifetime Maximum of $1,500

50% to a Lifetime Maximum of $1,500

The plan will pay up to $1,500 per person per calendar year. This does not include orthodontia; ortho has a separate LIFETIME maximum benefit.

UST is moving from the “Standard” contract to the “Enhanced” contract with Delta*

*The main difference is lower member cost for white posterior fillings.

Dental Plan CostNo change to your rates; UST absorbed the increase

2016 Dental Plan Rates

St. Thomas Dental Plan

Total Monthly

Cost

UST Monthly Subsidy

Your Monthly

Cost

Your Bi-Weekly

Cost Employee Only $35.96 $10.66 $25.30 $12.65 Employee +Spouse

$89.96 $26.68 $63.28 $31.64

Employee + Child(ren)

$82.44 $24.44 $58.00 $29.00

Family $129.92 $38.52 $91.40 $45.70

EyeMed Vision PlanNo changes to the plan design but the network is changing to the broader “Access” network*

In-Network Member Cost Out of Network Reimbursement

Exam w/ dilation as necessary

$10 Copay Up to $30

Contact lens fit and follow up Standard contact Premium contact

Up to $4010% off Retail

n/an/a

Frames No copay; $130 allowance; 20% discount on charge over $130

Up to $65

Standard Plastic Lenses Generally $25; see benefit guide for details

Varies from $25-60 depending on type of lens; see benefit guide for details

Lens Options Generally $0; see benefit guide for details

Generally up to $5

Contact Lenses Generally $150 allowance; see benefit guide for details

Up to $120

Frequency Examination Frame Lenses or Contact Lenses

Once every 12 monthsOnce every 24 monthsOnce every 12 months

The Access network provides EyeMed’s highest level of member accessibility for urban, suburban and rural members.

Vision Plan CostNo change to premium rates

2016 Vision Plan Rates

St. Thomas Vision Plan

Total Monthly

Cost

UST Monthly Subsidy

Your Monthly

Cost

Your Bi-Weekly Cost

Employee Only $ 6.28 - $ 6.28 $3.14

Employee + Family $16.90 - $16.90 $8.45

2016 Health Care & Dependent Care Flexible Spending Accounts

• Annual amount must be elected through the Online Annual Enrollment System (Murphy Online)

• Separate limit amounts for each account– Health Care Account limit is $2,500 – Dependent Care Account limit is $5,000

• Check your 2015 balance for surplus and spend before December 31st

• Grace Period – Incur claims until March 15th; reimbursable up to May 15th

2016 - Health Savings Account (HSA)

• Each year you must designate your pre-tax payroll HSA contribution– You can change your election amount through the

Online Annual Enrollment System, as well as access the HSA Enrollment Packet if you are a first time enrollee

• Balance resides in account, no loss at end of year• Penalty for non-qualified withdrawals is 20%• The maximum contribution for 2016 is $3,350

(individual) and $6,750 (family) • Additional $1,000 contribution allowed for account

holders that are 55 or older• For more detailed information about the HSA, consider

attending one of the HSA education sessions

Voluntary Term Life Insurance & AD&D

• Employee: – up to 5x your annual salary in increments of

$10,000, not to exceed $500,000

• Spouse: – up to 5x your annual salary in increments of

$10,000, not to exceed $500,000

• Child(ren):– benefit election can be either $5,000 or

$10,000

Voluntary Term Life Insurance & AD&D

• If currently enrolled in voluntary life and or AD&D, you can purchase additional life insurance up to the guarantee issue amount of $200,000

• If currently enrolled in spousal voluntary life and/or AD&D, you can purchase additional coverage up to the guarantee issues amount of $50,000

• If not currently enrolled or if you would like to purchase above the guarantee issue amount for life insurance and/or AD&D, you will be required to go through “evidence of insurability” (EOI)

Long Term Disability• The university provides a long term disability (LTD)

benefit providing income should you become disabled

• During annual enrollment, you can elect to pay taxes on the premium, making the income benefit received non-taxable– If you choose to change the taxability of your

LTD benefit, please complete the form provided in your 2016 Benefit Guide and return it AQU 201 no later than 4:30 p.m. on Monday, November 30th

Employee Online Enrollment

• You must complete the online enrollment process to: – newly elect, change, or drop medical, dental

and/or vision coverage – add or drop family members from your

coverage – continue or add a Health Care and/or

Dependent Care Flexible Spending Account election or

– continue or elect a Health Savings Account (HSA) for the first time if enrolling in the medical HDHP

• You do not need to complete the annual online enrollment process if:– you do not wish to participate in the FSA or

HSA and, – you do not wish to make other changes to your

2016 elections

Online Enrollment• All changes need to be completed and submitted

by 11:59 p.m. on November 30th, 2015• Benefits staff available:

• 8:00am to 4:30pm M-F, Aquinas Hall Room 201• Phone: 651-962-6520• Fax: 651-962-6524• Email: benefits@stthomas.edu

Eligibility • If your family members currently are covered

under any of our benefit plans, you should confirm their continued eligibility under each of the plans before deciding whether to complete annual enrollment

• It is your responsibility to remove ineligible family members from coverage, and failure to do so could result in adverse consequences to you

Questions?

• Questions?• Thank you for attending the 2016 Annual

Enrollment meeting!