2016 Health Benefits

October 2015

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Health Care Advisory Committee •  Bruce Arick (Finance/Administration) •  Anita Watts (HR) •  Randal Brown (HR) •  Jeanne VanTyle (Faculty) •  Todd Hopkins (Faculty) •  Gabriela Muniz (Faculty) •  Nandini Ramaswamy (Staff) •  Carrie Maffeo (Faculty) •  Sheri Alexander (Gregory & Appel) •  Chad Morris (Gregory & Appel)

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2016 Health Plan Rate Increase

Premium Increases for 2016 Plan

Year: 0% !!!!

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2015 Wellness Initiatives •  Healthy Horizons Comprehensive

Wellness Plan – $100 incentive for annual confidential

wellness consult – $150 additional incentive for proactive

management of primary health risk factors – $250 total potential incentive

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2015 Wellness Initiatives •  Healthy Horizons Focused Disease

Management – Confidential assistance in proactive

management of asthma/COPD, diabetes, and cardiovascular disease (CVD)

– Free access to routine lab tests, counseling, disease management, and education

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2015 Wellness Initiatives •  Health & Recreation Complex (HRC) Employee

Wellness – Subsidy

•  $250 annual membership versus $614, no minimum usage required.

•  $3 versus $7 per visit

–  Incentives •  $25 /year for Physical Fitness Assessment •  $5 discount /session of personal training •  50% discount /session for Dietitian Services 6

2015 Wellness Incentives •  Total Incentives Pay 1/1 – 9/30/2015

Approximately $73,700

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2015 Overview-Healthy Horizons The purpose is to promote healthy living by providing a comprehensive and confidential wellness package to Butler faculty and staff and now expanding to your spouse or domestic partner. •  Participants in Physical Activity, Rewards, Financial Wellness & Stress Reduction

Programs: 430 (January 1 – September 14, 2015) •  Annual Wellness Consult Includes:

–  Health Screening (cholesterol, blood pressure, blood glucose, weight assessment) –  Health Risk Assessment –  Personalized Action Plan with Health Goals

•  Annual Wellness Consults: 275 Representing 315 •  Health Management Appointments: 910 Unique Individuals

–  Includes: Blood pressure, cholesterol, medication, and weight management –  INR (warfarin) monitoring –  Health Coaching

www.butler.edu/healthy-horizons 8

2015 Overview - HRC •  Faculty/Staff Memberships @ 130, an increase of

approximately 44% over 2014 •  Personal Training

–  338 YTD versus 255 in 2014 •  Dietitian Sessions

–  Doubled in Spring 2015 versus Fall 2014 •  Physical Fitness Assessments

–  30 YTD versus approximately 5/year

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2015 Overview-HealthAdvocate One, toll-free number supporting all health and benefit needs… delivered by a dedicated, specialized team of clinical and benefit experts to assist you with health care and insurance-related issues.

-340+ Interactions (calls and emails) -104 hours

(Jan-Aug ‘15)

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2015 Overview-Castlight Health The health care shopping and quality transparency tool that allows you to take charge of your health care. •  Registration rate: 45% •  Return usage: 26% •  Total searches: 4,332 •  Total unique visits to website: 603 •  Number of page views per user per session: 14 (Sept. ‘14 – Aug. ‘15)

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Health Care Reform 1/1/2016?

Employer Reporting of Health Coverage •  Employers with 50 or more employees will be

required to provide information to the IRS and employees about the health plan coverage they offer to their employees in 2015.

•  Employers will be required to provide health care benefits to certain part-time employees that qualify under new Health Care Reform guidelines. (Form 1095-C)

http://www.irs.gov/uac/Patient-Centered-Outcomes-Research-Trust-Fund-Fee:-Questions-and-Answers 12

2016 Vendor Partners Returning Partners •  Medical/Vision – Anthem •  Dental – Delta Dental •  Health Savings Account – HSA Authority by Towers

Bank (Old National Bank) •  Life, STD, LTD, and EAP – One America •  Castlight •  Health Advocate (Under review) New Partners •  Flexible Spending – Discovery Benefits

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Flex Spending/Discovery Benefits

Benefits of Flex Spending

•  Tax Deferred •  Debit Card Convenience •  Note Maximum

–  Health $2,550 –  Dependent Care $5,000

Past Flex Spending Issues

•  Delayed reimbursements •  Co-pay substantiation •  Repeat claim substantiation •  Declining customer svc. &

communication

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Health Plan Participation 2015 2014 2013

•  Core 431 446 446 •  Buy-Up 138 132 106 •  Plus 150 169 205 •  CDHP 154 125 89 •  Total 873 872 846 (as of September 30, 2015 projected)

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Health Plan Performance

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($ in 000’s) 2009 2010 2011 2012 2013 2014 YTD 2015*

Participants

772 804 823 834 846

871 873

Annual Plan Surplus/(Deficit) ($537) $724 $795 ($221) ($429) $49 $1,378

Cumulative Surplus/(Deficit) $187 $982 $761 $332 $381 $1,759

% of Total Plan Costs 3% 12% 8% 3% 4% 28%

Total Plan Costs $7,096 $6,763 $7,996 $8,989 $9,681 $10,019 $7,145

Total Funding $6,559 $7,487 $8,791 $8,768 $9,252 $10,068 $8,523

Butler Contribution $4,985 $5,690 $6,691 $6,735 $7,116 $7,811 $6,700

Participant Contributions $1,574 $1,797 $2,101 $2,034 $2,136 $2,257 $1,823

Butler Contribution % 76% 76% 76% 77% 77% 78% 79%

Participant Contribution % 24% 24% 24% 23% 22% 22% 21%

*Through 9/30/2015 projected

2014-15 Plan Benchmarks

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PPO Plans  

Core   Buy-Up ^   Plus   Butler Ave.   CUPA Benchmark   CDHP   CUPA Benchmark  

Single   Family   Single   Family   Single   Family   Single   Family   Single   Family   Single   Family   Single   Family  

               

Deductibles   $ 1,250   $ 3,125   $ 1,000   $ 2,500   $ 750   $ 1,875   $ 1,000   $ 2,500   $ 500   $ 1,000   $ 2,000   $ 4,000   $ 1,800   $ 3,750  

OOP Maximums   $ 3,750   $ 7,500   $ 3,000   $ 6,000   $ 2,250   $ 4,500   $ 3,000   $ 6,000   $ 2,800   $ 6,000   $ 4,000   $ 8,000  *   $ 3,500   $ 7,000  

Coinsurance   25%   25%   20%   20%   20%   20%   22%   22%   20%   20%   20%   20%   10%   10%  

Office Visit   $ 30   $ 30   $ 20   $ 20   $ 20   $ 20   $ 23   $ 23   $ 25   $ 25          

Specialist Visit   $ 50   $ 50   $ 40   $ 40   $ 40   $ 40   $ 43   $ 43   $ 30   $ 30          

Emergency Room   $ 175   $ 175   $ 175   $ 175   $ 175   $ 175   $ 175   $ 175   $ 100   $ 100          

Employer HSA Contr.           $ 750   $ 1,500   $ 700   $ 1,200  

Total Monthly Cost   $ 571   $ 1,407   $ 643   $ 1,586   $ 734   $ 1,810   $ 649   $ 1,601   $ 600   $ 1,587   $ 499   $ 1,301   $ 477   $ 1,329  

Monthly EE Contr. %   6.5%   29.6%   13.2%   35.2%   17.8%   38.6%   12.9%   34.9%   19%   30%   6.0%   24.7%   13%   24%  

Monthly EE Contr. $   $ 37   $ 416   $ 85   $ 559   $ 131   $ 698   $ 84   $ 558   $ 114   $ 476   $ 30   $ 335   $ 62   $ 319  

Butler Plan Data for 2014 * Changed to $6,850 effective 1/1/2016 ^ Buy-Up Plan eliminated effective 1/1/2016

2016 Health Plan Changes •  Consolidate Buy-Up & Plus PPO Plans

–  Eliminate Buy-Up; Maintain Plus, Core, and CDHP

•  Decrease CDHP Family Out-of-Pocket Maximum from $8,000 to $6,850 to meet Health Care Reform requirement.

•  Same-Sex Domestic Partner Access –  Same-sex Domestic Partner Participants currently enrolled

in the health plans will continue to be covered as unmarried domestic partners.

–  Effective January 1, 2016 health plan access available to employees, spouses, and qualified dependents.

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Future Considerations •  Additional Incentives •  Salary-Based Premium Contributions •  “Working-Spouse” Rule

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How can you continue to help?

•  Participate in 2016 Confidential Wellness Initiatives. •  Participate in Family Age-Appropriate Preventive Maintenance

Medical Services •  Continue using Castlight Health to evaluate quality and value

options •  Continue using Health Advocate for claims assistance, benefit

education and as a medical and prescription advocate •  Get your Flu Shot this fall

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Future Dates •  Health Care Forums

– October 21, 2015 @ 3:00 p.m. in JH-141 – October 22, 2015 @ Noon in PB-204

•  Benefits Open Enrollment – November 2 – November 16, 2015 – Paper packets released October 26, 2015 – See www.Butler.edu/HR for presentations

and computer lab dates and times 21

Questions?

Prize Drawings

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