Health Benefits Fringe Committee - Peralta Colleges · 12/8/2016 · December 8, 2016 Health Benefits Fringe Committee ... (PDC) Debit Card will be made available to all plan participants

(Studies the manners and mechanisms to provide cost-

effective and fiscally sustainable benefits to the Peralta

community of active employees, retired employees and

their eligible dependents)

December 8, 2016

Health Benefits Fringe

Committee

© 2016 Alliant Insurance Services, Inc. All rights reserved. Alliant Employee Benefits, a division of Alliant Insurance Services, Inc. CA License No. 0C36861

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Agenda

I. Save the Dates/Announcements/ Upcoming Open Enrollments & Other Reminders: Benefits

I. Part Time Hourly Faculty Open EnrollmentII. Medicare open enrollmentIII. Flexible Benefit Plan EnhancementsIV. Kaiser Reimbursement V. Medicare Reimbursement

II. Dependent Eligibility Audit Update

III. Upcoming Surveys: Benefits Office

I. Benefits Office Activities

II. Benefits Office Services

IV. Health & Wellness Risk Assessment plan for Spring 2017

V. ACA Update-Alliant

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Benefits Department


Peralta Benefits HomepageUpdates posted: (http://web.peralta.edu/benefits)

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http://web.peralta.edu/benefits


Save-the-Dates Upcoming Open Enrollments & Other Reminders

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Event Window Audience Take-a-ways Part-time and Hourly

Faculty open enrollment

• Mailing early January

• Enroll by for Spring 2017

coverage

• 700+ Part-time Hourly Faculty Share the information

Medicare open

enrollment

• January 1 – March 31

• Annual Campaign on

February 1

• Anyone reaching age 65 in 2017

(approx. 50)

• Anyone who is age-eligible, retired,

spouse of retiree AND not currently

enrolled (approx. 50)

• Campaign is open to all

Suggest a volunteer who will

make outgoing calls

January 23

March 13

New guests participating in the 2017 Campaign on February 1 include

CALSTRS; CALPERS and Retired Public Employees Association of California

Delta Dental will answer questions about the dental options available through its connection with AARP

Kaiser Reimbursement • December 31

• June 30

• 700+ Any Kaiser member Remind your constituents to

submit receipts for

reimbursement

Medicare Reimbursement • Annually, quarterly,

monthly, subject

contingent on the timing if

information received

• 400 (approx.) retirees & eligible

currently on Medicare

Remind your constituents to

submit annual verification

usually sent our by CMS during

this time of the year

Flexible Benefits Open

Enrollment

• November 1 – December

16

• Active employees who want to

participate in the pre-tax spending

account for medical and dependent

day care expenses for 2017

Election deadline extended to

December 16 to allow time for

processing in accordance with

business partners and IRS

deadlines

New features:

debit card convenience

contribution limit

increase


Kaiser Reimbursement Form (mailed week of 11 28 16)

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http://www.mlslistings.com/search/



Medicare Reimbursement Form (mailed during week of 11 28 16)

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Medicare Open Enrollment (mailed week of 11 28 16)

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First Quarter New Employee Orientations,

personal retirement appointments and more can

be found on the Peralta Benefits Office Website

http://web.peralta.edu/benefits/files/2016/11/New-

Employee-Benefit-Orientation-and-Retirement-

Schedule-January-March-2017.pdf

http://web.peralta.edu/benefits/


FSA Enhancements

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• Deadline extended from November 30th to December 16th

• Pension Dynamics Benefits Debit (PDC) Debit Card will be made

available to all plan participants effective January 1, 2017.

• The Section 125 Plan PDC will add the following conveniences:

• Eligible out-of-pocket expenses can be paid with the one card

• Auto substantiate most approved out of pocket FSA expenses at

point of purchase

• Limit out-of-pocket expenses, the debit card will directly reduce

the annual election

• Immediate use of accumulations

• 2017 IRS Limits are:

• Health FSA Maximum Election - $2,600

• Dependent Care FSA Maximum Election - $5,000

Upcoming Surveys


2016 Survey of Employee/Retiree Feedback

Review of Past Results

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https://www.surveymonkey.com/results/SM-2QG2QJNQ/





2017 Annual Employee Interest Survey Questions –As requested in the October Meeting, provide feedback/suggestions by email before 12 22 16 for January distribution

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1. Each year the Benefits Office enlists feedback from our community of employees and retirees to help us plan upcoming

events. In keeping with past surveys, we are excited to hear from you. Let us know your preference for workshops to deliver

over the next year.

2. We like to hold events which bring the Peralta community together (employees, retirees, children, extended family, etc.). What

type of fun or community building events would interest you? In the past we have hosted picnics, a cruise, basketball nights-

any proceeds go to the Peralta Foundation.

3. The District has a benefits website which serves as a resource for convenient access to information 24/7. On our Peralta

benefits website you find historical newsletters, updates and benefit provider links. The homepage does not require a

password. The website is updated bi-monthly. What reasons have you visited the Peralta District benefits website in the last

year?

4. If you have visited the Peralta benefits homepage, did you find it resourceful and user friendly-what has been your general

feeling when accessing the Peralta benefits homepage?

5. Since October 2014, active employees have been using the online benefit enrollment portal BenefitBridge to affect changes to

medical and dental plan coverage (add dependents, remove dependents, update life insurance beneficiary information and

more). BenefitBridge offers links to Affordable Care Act updates, CALSTRS, CALPERS, Social Security, downloads, and

benefit plan documents. If you are an active employee, then have you visited the BenefitBridge website to view resources or

verify enrollment information not currently found on your paycheck?

6. Have you accessed the District's Health and Wellness portal on the Peralta benefits homepage? (The "healthycommunity"

website offers health-related tips and links to informative non-proprietary topics)

7. What type of District-sponsored communications and/or events would you like to see focusing on health and wellness in the

Peralta Community?

8. If you are enrolled in a Peralta group-sponsored medical and/or dental benefit plan, have you logged into your carrier's

website (Kaiser, Delta Dental, CoreSource, United Health Care Dental) to explore interactive services?

9. A health-risk assessment is usually an interactive data collection questionnaire which usually provides the taker with tips or

resources to how to manage one's personal health. Have you or anyone in your family is currently covered under a Peralta

plan taken a health-risk assessment in the last 12 months?

10. The "Peralta Benefits Everyone" Newsletter is distributed frequently to staff, faculty and retirees of the District via campus

mail, email and home mailings. In 2017 we are transitioning into more green and sustainable communications. Would you opt-

in to receive paper notices (newsletters and briefs) or would you prefer to receive email notices only (The Peralta benefits

homepage will store communications for easy and convenient access. As we make efforts to "go green" and paperless, the

Benefits Office wants your feedback on your preferred method of communication.


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Two Different Surveys – Study of Manners & Mechanisms

1. Benefits Office Activity Survey

Employee-centered activities

January 2016

Give me your feedback so that results can be shared at the January Benefits Meeting

2. Benefits Office Service Survey

Assesses service perceptions of Benefits Office staff and personnel

December 2016

Dependent Eligibility Audit (DEA)

September 19, 2016-November 14, 2016


Dependent Eligibility Audit (DEA) Preliminary FindingsPrepared by CoreSource

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Reasons for Continued Follow-up

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On-going outreach efforts

Review file information for existing documentation (such as court order or alternate contacts)

Updated list of outstanding audits will be provided to unions by December 16

Generate confirmations from the District benefits office rather than CS. CoreSource continues to forward

documents received after the deadline of 11 14 16 to the District


DEA Results & Observations

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•

DEA Observations:

1. Review data integrity earlier in the process

2. Clearer communications to affected populations

3. More communications with dependent

4. Enlist constituent feedback earlier in the process

DEA Results & Estimated Savings:

Audits Mailed: 903

Responded: 844

Not responded: 59

93% response rate

Estimated savings of $31,000

$56,000: Premium and Claims Cost ($4,000 x 14 voluntary terms)

$25,000: Audit Expense

$31,000: Estimated savings $

2016 Recap and 2017 Future Initiatives


2016 Studies and Outcomes of Manners and Mechanisms

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2016

Project Description Results

Medicare Campaign Educate and promote enrollment Reduce District claims costs

Union Labor Health Plan Review and analyze alternative medical

delivery system

After several constituent

meetings-Union Labor Health

Plan option not viable at this

time

Dependent Eligibility Audit Review eligibility of all enrolled dependents on

the PCCD plan

Reduces cost to District by

$31,000 at a minimum

Development and integration of e-

services and technologies promote

sustainability

Benefit Bridge

Pension Dynamics

Personal Appointment Letter

Promotes self-service capabilities to

empower employees with decision making

on their benefits

Introduce more electronic communications

Improve accuracy and

timeliness of data exchange

2017 Open Enrollments/Campaigns and Other Projects

Health & Wellness Campaign Expand H&W offerings (Health Risk

Assessments, Lunch & Learns)

Offer healthier food options for constituents

and students (Per Local 39’s suggestion

during 10/16 meeting)

On going

Review of Joint Power Authorities Explore future partnerships that will help

mitigate cost

Under study with Consultant


Joint Powers Authority

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• Definition

• Consideration


Joint Powers Authority(Definition)

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• What is a JPA?– A JPA is an entity of two or more public agencies which can operate collectively for the

purpose of improving buying power (of health insurance).

• Why a JPA now?– In short, if Peralta considers joining a consortium of school districts which offers a Kaiser plan

design like ours, maybe we can:– receive a better pricing due to economies of scale and

– recognize stabilized rate fluctuations. We are already part of a JPA for dental insurance.

• Perhaps other issues could be addressed through a JPA (medical plan buy-in, out of California medical plan networks.

The District last explored the viability of

participating in a JPA in 2012


Joint Powers Authority(Considerations)

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• Will the products offered by a JPA match our current offerings to our

employees

• What is the ease of entry into a JPA

• Ease of transition

• What is the ease of exit if the arrangement does not fit the culture?

• Is there a minimal duration of commitment?

• Would we sacrifice our Medicare D Subsidy?

• Level of customer service to our employees/retirees

• How comprehensive are the offerings beyond medical (Possible savings

reductions in other areas: life, ltd, buy-in options)

• Ability to provide options for non-California residents

Wellness Initiatives


Wellness Calendar

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What other schools are doing

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Peralta CCD conducted a survey amongst other schools 60% of the

respondents currently do not offer a wellness program.

The predominant reason why the other schools offer a wellness program is

to reduce healthcare costs

Below are the reasons given regarding why these schools do not offer a

wellness program currently:

• No available budget

• Inadequate management support

• Insufficient ROI data to support

• Weak internal ownership


Wellness Programs (Kaiser)

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kp.org: A hub for managing health

Tools and resources for members

Total Health Assessment

Health and drug encyclopedias

Symptom checker

Healthy lifestyle programs

Health videos

Total Health Radio online radio show

and podcast


Health Risk Assessment(CoreSource)

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ACA Update


What’s Next for the ACA?

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• Current Enrollment by Source

• Likely Focus of Future ACA Policy

• Timeline and Process


Current Enrollment by Source

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Likely Focus of Future Policy

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• Possible ACA Changes

• REPEAL Individual Mandate; Employer Mandate; refundable

premium tax credits; Cadillac tax; minimum coverage limits

• RETAIN ban on pre-existing condition exclusions; dependent

eligibility to age 26

• ADD state high risk pools; premium tax deduction for

individuals; income tax on excess premiums


Likely Focus of Future Policy

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• Other Changes

• PROMOTE Consumer Driven Plans, Health Savings

Accounts

• ALLOW insurers to sell policies across state lines; Medicare

to negotiate drug prices

• ADD dependent care


Timeline and Process

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• Legislation

• ACA, Medicare, Medicaid/CHIP Changes

• Traditional Process

• Reconciliation?

• Executive Order• Non-enforcement?

Next Steps


Next Meetings & Share the Information

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Next Meetings:

January 31, 2017

Pass along & Share

Remind your constituents of upcoming events as noted on previous slide

Dependent Audit: Now

Medicare Open Enrollment Campaign - We need PRO volunteers to make outgoing calls in February and March

Address changes self-service-an added convenience.

Documents

Health Benefits Fringe Committee - Peralta Colleges · 12/8/2016 · December 8, 2016 Health Benefits Fringe Committee ... (PDC) Debit Card will be made available to all plan participants