FALL 2016

BENEFITS NEWS

2017 BENEFITS OPEN ENROLLMENT

NEWS SPOTLIGHT

IN THIS ISSUE

News Spotlight 1

2017 Benefits Open Enrollment

Benefit Breakdown 2

Flexible Spending Accounts

(FSA)

Health Savings Accounts

(HSA)

Living Well 3

Health Risk Assessment

(HRA)

Health Risk Assessment

(HRA) Incentives

Did You Know? 4

Introducing ALEX

Aggregate vs Embedded

Upcoming Events 4

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QUOTABLE

Autumn paints in colors

that summer has never

seen

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Open enrollment for benefits began at 8 a.m. on 10/24/16 and will run through

midnight on 11/11/16. The open enrollment process is completed through the MyJob

portal. With the exception of the Flexible Spending and MetLaw elections, all other

current elections you have will roll over into 2017. If you would like to confirm or

change anything about your benefit coverage in 2017, you will need to go to MyJob

and click on the MU Benefit Annual Enrollment portal. Marquette strongly en-

courages employees to review their elections as there are changes in premiums,

deductibles, co-pays and co-insurance for 2017.

Log in to https://myjob.mu.edu and select MU Benefits Annual Enrollment

If you do not have access to a computer, there is one available in the Human

Resources lobby, Straz Tower Room 185, during regular business hours

(8 a.m.—4:30 p.m.) for making your 2017 benefit elections through the online portal.

Other Annual Enrollment Action Steps

Decide if you want to participate in any of the three Flexible Spending Accounts

(FSAs). You must enroll each calendar year through the portal in MyJob during

the Open Enrollment period. Existing health care debit cards are valid for five

years and will be reloaded in January with your entire 2017 Health Care FSA

election.

Those who wish to continue or begin participating in the voluntary Group Legal

(MetLaw) benefit must also enroll each year during open enrollment using a pa-

per form included in your enrollment packet or by clicking on this link.

During the Open Enrollment process, the Health Risk Assessment (HRA)

Incentive will not be viewable in the online portal. The HRA process continues for

one week after Open Enrollment ends and will appear in the system after January

1, 2017.

BENEFIT BREAKDOWN FLEXIBLE SPENDING ACCOUNT (FSA) BENEFITS

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Flexible Spending Accounts (FSA) make it easy for you to set aside a portion of your salary on a pretax basis and use it to

pay eligible health and/or day care expenses.

A Limited Purpose Health Care FSA option has been added for PPO and HDHP plan participants who wish to set aside

funds to reimburse eligible dental and vision only expenses (and prefer not to use their HSA funds for these expenses).

The Heath Care FSA, which reimburses eligible medical, pharmacy, dental and vision expenses is still available to EPO

plan participants and to employees not enrolling in Marquette’s health plan. The Dependent Care FSA remains available

to all benefit eligible employees. All three FSA components are “use it or lose it” programs.

The three account options are:

Health Care FSA— Can be used for eligible out-of-pocket medical, prescription drug, vision and dental expenses.

Maximum annual limit: $2,600

Dependent Child Care FSA —Can be used for certified day care expenses incurred for the care of your child(ren).

Maximum annual limit: $5,000

Limited Purpose Health Care FSA —Can be used for eligible out-of-pocket dental and vision expenses only.

Maximum annual limit: $2,600

For more detailed information and a list of eligible expenses, visit the Benefits Website.

HEALTH SAVINGS ACCOUNT (HSA) BENEFIT A Health Savings Account (HSA) is a tax advantaged personal savings account that can be used to pay for medical,

pharmacy, dental, vision and other qualified expenses now or later in life. Unlike FSA funds which are “use-it-or-lose-it”,

your HSA balance rolls over from year to year, with the potential of earning interest along the way. The account is

portable, meaning if you ever change health plans or leave Marquette, you can still use and/or take the HSA with you

because it’s your money and your individual account.

There are two ways Marquette will contribute funds to your HSA. First, HDHP participants will get an automatic

contribution of $250 for single coverage and $500 for non-single coverage. Second, if you enroll in the PPO or HDHP

and complete (along with your covered spouse, if applicable) the Health Risk Assessment (HRA) process, Marquette will

provide a $250 contribution for single coverage or a $500 contribution for non-single coverage. Any and all Marquette

contributions will be made on or around the first of the year (for current employees), as long as the participant meets all

of the requirements.

In addition, employees can contribute their own funds to an HSA. Beginning in January you can elect pre-tax payroll

deductions. You can also make after-tax contributions from your personal checking account, which can then be deduct-

ed on your personal income tax return. You will need to initiate this after-tax process on your own—Marquette will not

facilitate.

2017 annual contributions from all sources (you, Marquette and any other individual) may not exceed $3,400 if you have

single coverage or $6,750 if you have non-single coverage. Individuals age 55 and over may make an additional $1,000

catch-up contribution. Married individuals may each make a catch-up contribution, although the maximum amount that

can be contributed to one HSA for 2017 is $7,750 (the $6,750 statutory maximum plus a $1,000 catch-up contribution).

There is a 6% excise tax on any individual contribution that exceeds the allowed annual maximum.

For more details on the HSA, please see the HSA FAQs on pages 11 & 12 of the 2017 Benefits Enrollment Guide.

LIVING WELL HEALTH RISK ASSESSMENT (HRA)

Health Risk Assessment (HRA) time is here! For employees who have a spouse who is covered or will be covered by

Marquette’s medical plan in 2017 the employee and the spouse must complete both parts of the HRA process to receive

the MU contribution to an FSA or HSA.

STEP ONE: Complete the Biometric Screening (4 options). The Biometric Screening is a simple finger stick blood

test that will analyze your cholesterol, HDL and glucose. Blood pressure, pulse, height, weight, and body mass index will

also be recorded. The results are available in about 15 minutes.

Option ONE: Complete with your primary care provider utilizing the Medical Provider Form between July 1

and November 18, 2016. Screening may be subject to health plan co-pays. This form must be completed by your

medical provider and can be faxed directly to Aurora at 414-525-2570 by you or the provider. You will need a copy

of your results to complete the online questionnaire.

Option TWO: Complete this on campus, free of charge. Dates for on-campus screenings, including several

Saturday options with appointments from late October through mid-November are available on the Aurora Website.

Option THREE: Complete a comparable biometric screening from July 1 through November 18, 2016, at a

spouse's employer-sponsored HRA screening and fax to Aurora Healthcare at (414) 525-2570.

Option FOUR: Complete at select Aurora Clinics in outlying suburbs on various Saturdays during the annual

enrollment period. Schedule your appointment here.

STEP TWO: Complete an online questionnaire with the results from your biometric screening. This online

questionnaire is available as of the start of the Annual Enrollment Period.

Please be sure to keep a copy of your results once completed.

To check if Aurora received your biometric screening results, you can call Aurora at 877-765-3213, Option #1.

If you would like to print off another copy of your online questionnaire, you can log back into the portal with the same

login credentials you used when filling out the HRA questionnaire or you can call Aurora at 877-765-3213, Option #1.

Note: Marquette University will not receive individual HRA results. In maintaining HIPAA compliance, we will

only receive a group summary report indicating “yes” or “no” for HRA participation.

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HEALTH RISK ASSESSMENT (HRA) - INCENTIVES

While the process remains the same, Marquette is changing the Health Risk Assessment (HRA) Incentive amount and

method for 2017. Instead of a monthly premium discount, HRA participants enrolling in Marquette’s medical benefits

will receive an incentive contribution from Marquette. The contributions are as follows:

EPO—Single $125 / Non-Single (employee +1 or family) $250 - Contribution to Health Care FSA

PPO—Single $250 / Non-Single (employee +1 or family) $500 - Contribution to Health Savings Account (HSA) or

Limited Purpose HC FSA.

HDHP—Single $250 / Non-Single (employee +1 or family) $500 - Contribution to Health Savings Account (HSA) or

Limited Purpose HC FSA.

*Please note that covered spouses must also complete the HRA process (in addition to the employee) in order for the

employee to receive the incentive. These incentives will be made available at the start of the 2017 plan year.

CONTACT HUMAN RESOURCES

414.288.7305 benefits@mu.edu Marquette.edu/hr

Program Date, Time & Location

TIAA-CREF Individual Counseling

Sessions—October—November

By appointment only. Please call

TIAA-CREF at 1-800-732-8353

Benefit Assistance Days

(One on one meetings)

No appointment needed—These are

first come, first serve meetings. The wait

time may be less on 10/25 and 11/3.

2017 Annual Enrollment

Tuesday, Oct. 25, 2016 10:00 a.m.—4:00 p.m., AMU 230

Wednesday, Oct. 26, 2016 9:00 a.m.—4:00 p.m., AMU 230

Thursday, Oct. 27, 2016 9:00 a.m.—1:00 p.m., AMU 230

Tuesday, Nov. 8, 2016 10:00 a.m.—4:00 p.m., AMU 230

Wednesday, Nov. 9, 2016 9:00 a.m.—4:00 p.m., AMU 228 & 230

Thursday, Nov. 10, 2016 9:00 a.m.—4:00 p.m., AMU 228

Thursday, Nov. 10, 2016 9:00 a.m.—1:00 p.m., AMU 230

Tuesday, Oct. 25, 2016 11:00 a.m.—2:00 p.m., AMU Henke

Thursday, Nov. 3, 2016 10:00 a.m.—2:00 p.m., AMU Henke

Wednesday, Nov. 9, 2016 11:00 a.m.—2:00 p.m., AMU Henke

Monday, Oct. 24, 2016—Friday, Nov. 11, 2016

View upcoming GROW classes View all benefits events

UPCOMING EVENTS

DID YOU KNOW

EPO and HDHP

An embedded out of pocket (OOP) Maximum means that a

single member of a family doesn’t have to meet the full family

OOP. Under family or employee + 1 coverage an individual

family member would be responsible for up to the single

OOP maximum only.

INTRODUCING ALEX

AGGREGATE VS EMBEDDED OUT OF POCKET MAXIMUM (OOP)

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New this year, we are introducing an interactive online benefits decision support tool, "ALEX". In addition to the support

the Benefits Department provides, ALEX can further assist employees by serving as an educational and decision support

resource during the open enrollment period.

ALEX provides a summary of your benefits and can help you decide which medical plan is best for you. However, you

should fully review all of your benefits documents before enrolling.

PPO

With an aggregate family out of pocket (OOP) maximum

there is essentially no separate single OOP “embedded”

within the family plan. Under family or employee + 1

coverage the family deductible/OOP maximum applies

even if only one family member incurs claims.