Benefit Options - Augusta University · 2019. 12. 6. · •Augusta University Medical Center is self-insured. •Medical claims processed through UMR ... Medical Plans No out of

2016 Plan Year

Benefit Options Your Benefits. Your Way.

Agenda

Benefit Plans

Retirement/Cobra Benefits

Employee Assistance Program

Employee Care Programs

Important Information* Enrollment Options

* Dependent Information

* Documentation Required

Our Commitment To You

Augusta University Medical Center is committed to offering the best possible benefits at the lowest

possible price.

R: 24G: 60B: 71

Eligibility

Am I Benefits Eligible?

Yes, if your work commitment is 20

hours/week or greater

Agenda

Benefit Plans







R: 24G: 60B: 71

Benefits Plans

Health and Wellness

Financial Security

Accessory

• Medical/Pharmacy• Dental• Vision• HSA• FSA

• Life• Short Term Disability• Long Term Disability• Retirement Savings Plan• 529 College Savings Plan• Long Term Care • Cancer/Critical Care/

Gap/Accident

• Legal • Pet• Auto/Home

Core Benefits - FREE

Hire Date

Basic Life/ADD - $25,000

Spousal Life - $1,000

Child Life - $1,000

After One Year

Short-Term Disability – 50%

Long-Term Disability – 50%

R: 24G: 60B: 71

Benefits Plans

Health and Wellness

Financial Security

Accessory



Gap/Accident


Medical/Pharmacy Plans

Choice (HDHP)

Select (PPO)

Base (PPO)

Health and Wellness

Health and Wellness

• Augusta University Medical Center is self-insured.

• Medical claims processed through UMR

• Prescription claims processed through Navitus

UMR Health Plan Internet Access

The UMR website offers information on the health

and financial resources they offer.

Log in to umr.com and:

• Order or print ID cards

• Check benefit coverage

• EOB’s

• Find a doctor in your network

• Learn about medical conditions

http://www.umr.com/

Medical Plans

No out of network benefit

Exception: Emergency Medicine

Plan Features Select Choice Base

In-Network/UHC

Network

In-Network/UHC

Network

In-Network/UHC

Network

Deductible

Individual $500/$750 $1,500/$2,000 $2,000/$4,000

Family $1,000/$1,500 $3,000/$4,000 $6,000/$8,000

Annual Out-of-

Pocket Max Deductible included Deductible included Deductible included

Individual $4,000/$6,350 $4,500/$6,000 $6,000/$6,350

Family $8,000/$12,700 $9,000/$12,000 $10,000/$12,000

Coinsurance 20%/45% 20%/30% 35%/50%

Default Plan

Pharmacy

In-Network ProviderEmployee Pharmacy

Out-of-Network Provider

Employee Pharmacy Retail Pharmacy

Days Supply30 day supply / 90 day supply

30 day supply / 90 day supply

30 day supply

Tier 1 $5 / $10 $10 / $20$20 + 35% to a max of

$450

Tier 2 $10 / $20 $20 / $40$20 + 50% to a max of

$450

Tier 3 $15 / $30 $30 / $60Must fill at Medical Center Employee

Pharmacy

Specialty $50 (30 day supply) $80 (30 day supply)Must fill at Medical Center Employee

Pharmacy

How to Read Your Health Plan Price Tags

Example: Choice Plan

Total

Bi-

Weekly

Cost

Total

Monthly

Cost

Without

Tobacco-Free Incentive

With


Employer

Costs

Employee

Costs

Employer

Costs

Employee

Costs

Bi-

WeeklyMonthly

Bi-

WeeklyMonthly

Bi-

WeeklyMonthly

Bi-

WeeklyMonthly

Employee

Only222.94 483.03 146.82 318.10 76.12 164.92 166.05 359.77 56.89 123.26

Employee

+

Spouse

501.61 1086.82 354.38 767.82 147.24 319.00 373.61 809.49 128.00 277.34

Employee

+

Child(ren)334.41 724.55 229.84 497.99 104.57 226.55 249.07 539.66 85.34 184.89

Family 613.07 1328.32 437.40 947.70 175.68 380.62 456.63 989.63 156.44 338.96

How to Read Your Health Plan Price Tags

Example: Choice Plan

Total

Bi-

Weekly

Cost

Total

Monthly

Cost

Without


With


Employer

Costs

Employee

Costs

Employer

Costs

Employee

Costs

Bi-

WeeklyMonthly

Bi-

WeeklyMonthly

Bi-

WeeklyMonthly

Bi-

WeeklyMonthly

Employee

Only222.94 483.03 146.82 318.10 76.12 164.92 166.05 359.77 56.89 123.26

Employee

+

Spouse

501.61 1086.82 354.38 767.82 147.24 319.00 373.61 809.49 128.00 277.34

Employee

+

Child(ren)334.41 724.55 229.84 497.99 104.57 226.55 249.07 539.66 85.34 184.89

Family 613.07 1328.32 437.40 947.70 175.68 380.62 456.63 989.63 156.44 338.96

Smoking Cessation

Medical Benefits

Initial clinic visit

Behavioral counseling

Pharmacotherapy

Cessation Classes

Develop your quit plan

Gain skills to cope with nicotine addition

Appointments : Call 706-721-6744

Medical Plans Spousal Surcharge

Additional $100 monthly premium to cover

spouse on Augusta University Medical

Center health plan if they are eligible for

group health through their own employer.

Dental Plans

Core

Value

Health and Wellness

Administered through Delta Dental

Log in to deltadentalins.com and:



• EOB’s


http://www.deltadentalins.com/

Dental Plans

Core Value

Annual Deductible$50 individual/

$150 family

$50 individual/

$150 family

Coinsurance

0% preventive

20% basic

50% major and

orthodontic

0% preventive

20% basic

50% major

Annual Maximum $1,350 $1,000

Orthodontia

Lifetime Maximum$1,500 per member N/A

Vision Plans

Elite

Value

Health and Wellness

Administered through EyeMed

Log in to eyemedvisioncare.com and:



• EOB’s


http://www.eyemedvisioncare.com/

Vision Plans

Value Plan Elite Plan

Eyeglass

Frames

$120 retail benefit,

plus 20% off balance over

$120

$200 retail benefit,

plus 20% off balance over

$200

Eyeglass

Lenses

$10 copay for standard

plastic lenses

$10 copay for standard

plastic lenses

Contacts$0 copay, 15% discount on

balance over $120

$0 copay, 15% discount on

balance over $250

Materials Only

HSA

Retirement and Savings

Administered through Bank of America

Log in to bankofamerica.com and:

• Review Claims Transactions

• Check HSA balances

• Access a variety of on-line tools, calculators, etc.

• Order replacement or additional debit cards online

• View educational videos

http://www.bankofamerica.com/

Choice (HDHP)

Plan

HSA Account

Helps pay deductable

Pre-Tax deposits

Tax deferred growth

Tax Free Medical Care

High Deductable Health Plan

Protects you from big

medical bills

HSA Plans

Health Saving Account (HSA)

Account administered by Bank of America

You own your account

Pre-tax payroll deductions

Contribution limit:

Individual - $3,350

Family - $6,750

Age 55 + annual catch-up contributions of up to $1,000

Augusta University Medical Center (your employer)

contributes $500/$875 if you are also enrolled in the

Choice Plan

Earn up to $500 Wellness Incentives

Wellness Incentive

Earn up to $500 Wellness Incentives

In addition to the employer contribution,

employees in the Choice Plan with an

HSA are given the opportunity to earn

additional HSA contributions based on

the completion of wellness activities.

GRU

Healthy

You

Earning Wellness Incentive

Complete

Biometric Screening

Clinical Health Risk Assessment

Earn points by completing a variety of activities.

Each point earned equals $1.00.

Wellness Incentive Contributions to the employees

HSA 2x per year.

Visit the GRU Healthy You web page

FSA

Medical FSA

Limited Purpose FSA

Dependent Care FSA

Retirement and Savings

Administered through Bank of America

Log in to bankofamerica.com and:

• Review Claims Transactions

• Check HSA balances

• Access a variety of on-line tools, calculators, etc.

• Order replacement or additional debit cards online

• View educational videos

http://www.bankofamerica.com/

Flexible Spending Accounts (FSA)

MedicalLimited Purpose

Dependent Care

Eligibility•Select Plan•No Medical Center Plan

•Choice Plan•Other HDHP

•Any Plan

Reimbursements

•Medical •Dental•Pharmacy•Vision

•Dental•Vision

•Dependent Day Care

Annual Contributions $100-$2550 $100 - $2550 $100-$5000

Use it or Lose it Rule*

* $500 carryover

R: 24G: 60B: 71

Benefits Plans

Health and Wellness

Financial Security

Accessory



Gap/Accident


Life

Financial Security

Administered through The Standard

Life Insurance

$25,000 - no cost to employee

1x Annual Salary – no cost to employee

2x Annual Salary

3x Annual Salary

4x Annual Salary

Default Plan

Voluntary Life Insurance

Basic Dependent Child Life

$2,000 between 14 days and 6 months of age

$10,000 or $15,000 policy

Basic Dependent Spousal Life

$10,000, $30,000, or $50,000 policy

Accidental Death and Dismemberment

Up to $500,000 in $10,000 increments

Disability Plans

Short Term

Long Term

Financial Security

Administered through Mutual of Omaha

Log in to mutualofomaha.com/customer-service and:

• Submit Claims

• Check Claims status

Disability

Short-Term Disability

50% coverage level

• 14 day waiting period

• Up to 12 weeks of coverage

• Up to $1,000 /week

60% coverage


• Up to 12 weeks of coverage

• Up to $1,500/week

Note: STD/LTD coverage begins after

1 year of service

Long-Term Disability

50% coverage level


• 48 months of coverage

• Up to $6,000/month

60% coverage level


• Coverage to SS Normal

retirement age

• Up to $6,000/month

Saving Retirement Plan

Financial Security

Administered through VALIC

Log in to Valic.com or call the local office 706-722-4600

• Tommy Burckhalter

• Ross Douglas

Valic

Valic 403(b) and 401(a) retirement plan

Vested on hire date

Pretax contributions

100% match on first 5% you contribute

529 College Savings

Accessory

Administered by Blackrock through Valic

Tax-advantaged way to save for children's

college education

Long Term Care

Accessory

Administered by Legacy Retirement Solutions

Long Term Care not covered by Health Insurance

Cancer/Critical Care/ Gap/Accident

Financial Security

Administered through Colonial Life

Information Sheet in Benefits Packet

R: 24G: 60B: 71

Benefits Plans

Health and Wellness

Financial Security

Accessory



Gap/Accident


Legal

Accessory

Administered through Hyatt Legal

- access to legal services through any attorney

Pet

Accessory

Administered through VPI

• Accident

• Illness

• Cancer

• Vaccinations

Auto/Home

Accessory

Administered through Travelers

Home:

• Homeowners

• Renters

Auto:

• Basic Liability and

Collision

• Gap

• Repair

• Towing

FY 2015

Actual Employer Contribution Toward

Employee Benefits

Augusta University Medical Center Provides competitive

benefits and contributes a good portion towards these

benefits.Health Insurance $14,300,000

Retirement Savings $10,000,000

Disability (STD/LTD) $ 1,200,000

Life Insurance $ 360,000

$25,860,000

Percentage Employer Paid Portion of Your

Benefits

Benefit Employer Paid Portion

Health Average of 70% of Total Cost

Life Employer Pays for up to 1X in Basic life/ADD

Disability Employer Pays the 50% Option for STD/LTD

With Employee paying cost difference for 60% Option

Agenda

Benefit Plans







R: 24G: 60B: 71

Cobra Benefits

COBRA Benefits Administered by UHC

Health Insurance

Dental Insurance

Vision Insurance

R: 24G: 60B: 71

Retirement Benefits

Retirement Benefits Health Insurance

Dental Insurance

Vision Insurance

Retirement Health/Dental Criteria 59 ½ years old

Actively employed by Augusta University Medical

Center on the day before retirement

Enrolled in benefits at least 3 years prior to

retirement date

Agenda

Benefit Plans








Confidential Counseling Financial Concerns

Depression / Anxiety / Stress

Emotional Distress

Grief Counseling

Family Relationships

Eating Disorders

Substance Abuse

Work Relationships

Job-related

Chris Carkhum

EAP Counselor

Human Resources

(706) 721-0757

Agenda

Benefit Plans







Employee Care Program

Employee Care Policy

PTO Donation Program

Emergency PTO Pay Out

Health Insurance Premium Relief

Retirement Loan(s)

Employee Discounts

“Working Advantage”

Local and Regional Merchants

“Museums on Us” through Bank of America

Links are on the Benefits Page

of the Human Resources intranet site

Agenda

Benefit Plans







Total Compensation

“Your benefits are part of your total

compensation package. Human Resources

benchmarks salaries of staff and benefit

programs to advance the competitiveness of

our compensation program.”

R: 24G: 60B: 71

Enrollment Date Options

For Hire Date Enrollment – email [email protected]

Health/Dental

Hire Date or First of Following Month

All other plans

Hire Date

mailto:[email protected]

R: 24G: 60B: 71

Enrollment Opportunities

Open Enrollment

Special Enrollments

Life Change Events

Notify Benefit office no later

than 30 days after the event Marriage

Divorce

Birth

Death

Change in Job Status

Loss of other coverage

Dependent Documentation

Proof of Dependent

Status

Marriage

Certificate/License

Birth Certificate

1st page of federal tax

form

Eligible Dependents

Legal Spouse

Domestic Partner

Life

Dental

Vision

Dependent Child up to

age 26

Proof of Other Medical Coverage

Insurance Card

Military ID

Enrolling Online

Important information

Enter and verify personal information

Enroll in benefits of your choice

Verify elections and print confirmation

Enrolling Online





Default Coverage

What happens if you do not complete the on-line

process?

Base Medical Plan

Employee only coverage

Premiums deducted from pay check

Tobacco Incentives cannot be applied

25K Life Insurance

Unknown beneficiaries

Cannot be changed until Open Enrollment or a

Life Change Event

Important!!!

• Make Sure You Have All Documents

• Use Internet Explorer as Your Browser

• Disable Pop-up Blockers

• Check Compatibility Mode

Enrolling Online





Enter your

information

here

Verify

Information

Enter and Verify

Dependent

Information

Uploading Dependent Verification Document(s)

Have your dependent’s document(s) already saved

for access, (flash drive, storage device, file etc.)

Browse for document

Select document ,upload and submit

Final

Verification of

Information

Enrolling Online





Enrolling Online





Medical Center Benefits Website

Information



Medical Center Benefits Office

InformationPhone: 706-721-7909

E-mail: [email protected]

Staff:

Donna Knowles, Benefits Analyst

Wanda Lowe, Benefits Coordinator

Cynthia McNair, Benefits Analyst

Lisa Mitchum, Director

Office Hours: Monday - Friday

7:30 a.m. to 5 p.m.

Location: 1515 Pope Avenue

mailto:[email protected]