Benefit Options - Augusta University · 2019. 12. 6. · •Augusta University Medical Center is...
Transcript of Benefit Options - Augusta University · 2019. 12. 6. · •Augusta University Medical Center is...
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2016 Plan Year
Benefit Options Your Benefits. Your Way.
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Agenda
Benefit Plans
Retirement/Cobra Benefits
Employee Assistance Program
Employee Care Programs
Important Information* Enrollment Options
* Dependent Information
* Documentation Required
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Our Commitment To You
Augusta University Medical Center is committed to offering the best possible benefits at the lowest
possible price.
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R: 24G: 60B: 71
Eligibility
Am I Benefits Eligible?
Yes, if your work commitment is 20
hours/week or greater
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Agenda
Benefit Plans
Retirement/Cobra Benefits
Employee Assistance Program
Employee Care Programs
Important Information* Enrollment Options
* Dependent Information
* Documentation Required
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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
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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%
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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
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Medical/Pharmacy Plans
Choice (HDHP)
Select (PPO)
Base (PPO)
Health and Wellness
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Health and Wellness
• Augusta University Medical Center is self-insured.
• Medical claims processed through UMR
• Prescription claims processed through Navitus
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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
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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
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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
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How to Read Your Health Plan Price Tags
Example: Choice Plan
Total
Bi-
Weekly
Cost
Total
Monthly
Cost
Without
Tobacco-Free Incentive
With
Tobacco-Free Incentive
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
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How to Read Your Health Plan Price Tags
Example: Choice Plan
Total
Bi-
Weekly
Cost
Total
Monthly
Cost
Without
Tobacco-Free Incentive
With
Tobacco-Free Incentive
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
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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
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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.
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Dental Plans
Core
Value
Health and Wellness
Administered through Delta Dental
Log in to deltadentalins.com and:
• Order or print ID cards
• Check benefit coverage
• EOB’s
• Find a doctor in your network
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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
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Vision Plans
Elite
Value
Health and Wellness
Administered through EyeMed
Log in to eyemedvisioncare.com and:
• Order or print ID cards
• Check benefit coverage
• EOB’s
• Find a doctor in your network
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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
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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
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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
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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
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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
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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
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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
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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
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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
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Life
Financial Security
Administered through The Standard
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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
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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
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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
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Disability
Short-Term Disability
50% coverage level
• 14 day waiting period
• Up to 12 weeks of coverage
• Up to $1,000 /week
60% coverage
• 7 day waiting period
• 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
• 120 day waiting period
• 48 months of coverage
• Up to $6,000/month
60% coverage level
• 90 day waiting period
• Coverage to SS Normal
retirement age
• Up to $6,000/month
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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
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Valic
Valic 403(b) and 401(a) retirement plan
Vested on hire date
Pretax contributions
100% match on first 5% you contribute
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529 College Savings
Accessory
Administered by Blackrock through Valic
Tax-advantaged way to save for children's
college education
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Long Term Care
Accessory
Administered by Legacy Retirement Solutions
Long Term Care not covered by Health Insurance
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Cancer/Critical Care/ Gap/Accident
Financial Security
Administered through Colonial Life
Information Sheet in Benefits Packet
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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
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Legal
Accessory
Administered through Hyatt Legal
- access to legal services through any attorney
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Pet
Accessory
Administered through VPI
• Accident
• Illness
• Cancer
• Vaccinations
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Auto/Home
Accessory
Administered through Travelers
Home:
• Homeowners
• Renters
Auto:
• Basic Liability and
Collision
• Gap
• Repair
• Towing
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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
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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
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Agenda
Benefit Plans
Retirement/Cobra Benefits
Employee Assistance Program
Employee Care Programs
Important Information* Enrollment Options
* Dependent Information
* Documentation Required
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R: 24G: 60B: 71
Cobra Benefits
COBRA Benefits Administered by UHC
Health Insurance
Dental Insurance
Vision Insurance
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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
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Agenda
Benefit Plans
Retirement/Cobra Benefits
Employee Assistance Program
Employee Care Programs
Important Information* Enrollment Options
* Dependent Information
* Documentation Required
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Employee Assistance Program
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
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Agenda
Benefit Plans
Retirement/Cobra Benefits
Employee Assistance Program
Employee Care Programs
Important Information* Enrollment Options
* Dependent Information
* Documentation Required
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Employee Care Program
Employee Care Policy
PTO Donation Program
Emergency PTO Pay Out
Health Insurance Premium Relief
Retirement Loan(s)
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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
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Agenda
Benefit Plans
Retirement/Cobra Benefits
Employee Assistance Program
Employee Care Programs
Important Information* Enrollment Options
* Dependent Information
* Documentation Required
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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.”
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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
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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
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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
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Proof of Other Medical Coverage
Insurance Card
Military ID
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Enrolling Online
Important information
Enter and verify personal information
Enroll in benefits of your choice
Verify elections and print confirmation
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Enrolling Online
Important information
Enter and verify personal information
Enroll in benefits of your choice
Verify elections and print confirmation
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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
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Important!!!
• Make Sure You Have All Documents
• Use Internet Explorer as Your Browser
• Disable Pop-up Blockers
• Check Compatibility Mode
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Enrolling Online
Important information
Enter and verify personal information
Enroll in benefits of your choice
Verify elections and print confirmation
![Page 67: Benefit Options - Augusta University · 2019. 12. 6. · •Augusta University Medical Center is self-insured. •Medical claims processed through UMR ... Medical Plans No out of](https://reader033.fdocuments.in/reader033/viewer/2022051814/603a5d1fc21cf378bc40cde2/html5/thumbnails/67.jpg)
Enter your
information
here
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Verify
Information
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Enter and Verify
Dependent
Information
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Uploading Dependent Verification Document(s)
Have your dependent’s document(s) already saved
for access, (flash drive, storage device, file etc.)
Browse for document
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Select document ,upload and submit
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Final
Verification of
Information
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Enrolling Online
Important information
Enter and verify personal information
Enroll in benefits of your choice
Verify elections and print confirmation
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Enrolling Online
Important information
Enter and verify personal information
Enroll in benefits of your choice
Verify elections and print confirmation
![Page 85: Benefit Options - Augusta University · 2019. 12. 6. · •Augusta University Medical Center is self-insured. •Medical claims processed through UMR ... Medical Plans No out of](https://reader033.fdocuments.in/reader033/viewer/2022051814/603a5d1fc21cf378bc40cde2/html5/thumbnails/85.jpg)
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Medical Center Benefits Website
Information
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Medical Center Benefits Website
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Medical Center Benefits Website
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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