Benefits Open EnrollmentNovember 1-30, 2012

Presentation Overview

• UPlan Benefit Changes for 2013• Open Enrollment Basics• Open Enrollment Assistance• Common Questions

UPlan Benefit Changes for 2013

• Generic Plus contraceptives – Formulary and non-formulary contraceptives—one copay for 90 day

supply• Certain preventative prescription medications

– Breast cancer– Fluoride supplements– Tobacco cessation

• Certain over-the-counter medications with a prescription– 81mg aspirins– Folic acid supplements– Tobacco cessation medications– Iron– Vitamin D supplements

No Copays on Select Medications in 2013

• Lactation counseling and supplies, such as breast pumps• Counseling

– HIV – Sexually transmitted diseases– Domestic violence– Personal violence

No Copays on Select Medical Services in 2013

Reduced Costs of Emergency Services

• Out-of-network Emergency Services now covered at the higher in-network benefits• Emergency ambulance• Emergency room visits• Emergency hospital admissions• Urgent care

New Offering: Consult A Doctor 24/7

• 24/7 phone or online advice from physicians for medical non-emergencies

• Copay is $10• To register:• Call a Medica care coordinator at 1-855-993-7633, or• Visit www.medica.com/consultadoctor and click on

“Activate Account”

What will UPlan Members pay for Medical and Dental Coverage in 2013?

• Standard employee contributions for medical coverage will increase by 5.3% — lower than many other medical plan increases in the market.

• Qualified Wellness Points Bank participants will pay less than they did in 2012.

• No change to dental rates.

Help for Lower-Paid Employees toPay Medical Coverage Premiums

• Medical premium relief program extended through June 2013.

• Credit based on plan selected and household income.• Credits range from $100-$225• Pro-rated credit appears in each paycheck through

June 2013.• Current participants do not need to re-apply if coverage

status is the same.• New applications are being accepted through the

December 17, 2012 deadline.

2013 Wellness Points Bank Enhancements

• Longer program year (October 1, 2012—August 31, 2013)• Increased points values for some activities• Fit Choices now worth 75 points• Bike Commuter program now worth 75 points• Medical Condition Management now worth 200

points• New Wellness My Way option

2013 Flexible Spending Account Changes• Maximum reduced from $5,000 to $2,500 per employee for

health care accounts• ADP Benefit Solutions is new FSA administrator.• FSA debit card used to pay doctor and pharmacy copays • Daily claims processing• Participants will need to register bank account information with

ADP for direct deposit.• Real-time, online account information• http://storyportfolio.com/ADP/FSASolutions/employees/

2013 Short-Term Disability Coverage• Employees can increase their existing amount of

coverage up to $200 per month, without providing evidence of good health, but cannot exceed the monthly maximum.

• For more information about short-term disability coverage visit www.umn.edu/ohr/benefits/disability/shortterm

Open Enrollment Basics

When and How to Enroll

• Open enrollment is November 1-30, 2012.• You can make changes to your benefits

selections online at http://hrss.umn.edu.• If you or your dependent are age 45 or older,

you will need to provide your Social Security Number.

During Open Enrollment You Can:

• Add or cancel Medical or Dental coverage• Select a different Medical or Dental plan • Change your designated dependents• Choose to participate in the Health Care or

Dependent Daycare Flexible Spending Accounts

During Open Enrollment You Can:

• Increase your amount of Short-term Disability coverage up to $200 per month.

• Select or change the benefit amount of your voluntary Long-term Disability Coverage (Civil Service and Labor Represented employees only).

No need to go online and make any changes, unless you want to:

• Set up a FSA account for 2013.• Change your Medical or Dental Plan or dependent

coverage.– To change your clinic election only, just call Medica:

952-992-1814 or 1-877-252-5558.• Increase your Short-term Disability coverage.• Add or increase your Long-term Disability

coverage.

Open Enrollment Assistance

Open Enrollment Assistance

• Phone: 612-624-9090 or 1-800-756-2363, Option 2

• Email: benefits@umn.edu• Benefits Fairs• Computer Labs (Twin Cities): Room 315

Donhowe Bldg.– Nov. 21, 28, 29, and 30 (8 a.m. – 4:30 p.m.)

Benefits Fairs• Duluth: Nov. 1

– Kirby Student Center Ballroom, 10 a.m. to 2:30 p.m.• St. Paul: Nov 7

– St. Paul Student Center North Star Ballroom, 10 a.m. to 4:30 p.m.

• Minneapolis: Nov. 8– Coffman Memorial Union Great Hall, 10 a.m. to 4:30 p.m.

• Morris: Nov 12– Oyate Hall, UMM Student Center, 11 a.m. to 1 p.m.

• Cookston: Nov. 13– Prairie Lounge Student Center, 11 a.m. to 12 p.m.

Enrollment Information

Enrolling Online

• New employees hired before December 1 may make two elections to participate in FSA for 2012 and 2013• Multiple elections can be made online, but not at the

same time; wait a day between enrollments• Benefits will send an e-mail to affected employees

• Employees with appointments ending prior to January 1, 2013, cannot enroll online - they are not anticipated to be active employees in 2013

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Open Enrollment Communications

• Employees with enrolled same-sex domestic partners will receive a letter and instructions for Open Enrollment. Elections can be made online if currently enrolled, or on paper, if not.

• Materials are sent to employees on LOA & to those without computer access

• An e-mail will be sent on November 1 to announce the start of Open Enrollment

• A final reminder will be sent near the end of November

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Benefit Materials for 2013

• U & Your Benefits newsletters• Guide for UPlan Benefits Open Enrollment• COBRA instructions & rates• Benefit summaries for prospective employees• Summary of Benefits for Medical & Dental Plans• Managers Toolkit on OHR website

http://www.umn.edu/ohr/debcp/index.html

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Common Questions

Will I receive a printed Open Enrollment Booklet?

• Open enrollment booklets will be posted online.

• Select employees will receive a printed booklet.

• Everyone will receive a printed open enrollment newsletter with enrollment details.– Will arrive in your campus mailbox

Will HealthPartners Medical Group Clinics be available through Medica?

• All HPMG clinics will still be available in Tier 1 of Medica Insights.– Includes Como & Riverside clinics and Regions

Hospital– However, UMP clinics will move from Tier 3 down

to Tier 2 in Insights.• Limited HPMG clinics are available in Medica

Elect/Essential, Choice & HSA.

Who can I cover on my UPlan Medical and Dental Plans?

• Yourself• Your spouse or registered same-sex domestic

partner• Your dependent children to age 26• For the definition of eligibility visit

www.umn.edu/ohr/benefits/eligibility/index.html

With Medica, will I need a referral to see a specialist?

• Some Medica Plans do not require a referral to see an in-network specialist.– Medica Insights– Medica Choice National– Medica HSA

• Medica Elect/Essential have special guidelines.– No referral needed in your care system– Referral needed to see an in-network provider who is not in your care

system.• For all plans, you’ll need a referral from your care system and

Medica to receive in-network benefits from an out-of-network provider.

Will I receive New Medical and Dental ID Cards?

• Members will receive a new card from Medica and from Delta Dental if that is their dental plan.

• New enrollees will receive HealthPartners Dental and Prime Therapeutics Pharmacy cards.

• Replacement cards can be obtained from your health plan.

Will flu shots be available this year?• Yes, seasonal flu shots will be available at no

cost.– On campus• Walk-in clinics and flu clinics

– On the Twin Cities campus schedule an appointment online at www.bhs.umn.edu/public-health/flu.htm

• Employee Health & Benefits Fairs– Your medical clinic – Retail pharmacies (no cost if pharmacy is in Prime

Therapeutics’ network)

Who is eligible for the Medication Therapy Management Program?

• You are eligible if you take four or more medications for chronic conditions.

• The program offers:– UPlan-paid consultations with a MTM pharmacist

(HSA members pay full cost of consultations.– $10 copy reduction for all Generic Plus and Brand

medications for six month

How do I contact the Health Plans?• Medica

– 952-992-1814– 1-877-252-5558

• Delta Dental– 651-406-5916– 1-800-448-3815

• HealthPartners Dental– 952-883-5000– 1-800-883-2177

• Prime Therapeutics– 1-800-727-6181

• Fairview Specialty Pharmacy– 612-672-5289– 1-877-509-5115

How does the Wellness Points Bank work?

• Accumulate points for participating in Wellness Points Bank activities

• Must earn the minimum number of points by August 31.– 300 points for employee-only or employee plus children– 400 points for employees who cover a spouse/same-sex

domestic partner• Covered spouses/partners can contribute up to 100 of the 400

total points required.

• Receive either a $300/$400 reduction in your 2014 UPlan Medical Program rates.

How do I earn Wellness Points?Wellness Activity Points

Wellness assessment 100

Biometric health screening 100

NextSteps health coaching for a medical condition 200

NextSteps health coaching for lifestyle change 150

Face-to-face health coaching 150

Tobacco cessation program 150

Weight management 150

Bicycle commuter program 75

Fit Choices 75

Healthy Pregnancy 50

Online Healthy Living program 50

Step It Up! Walking program 50

Wellness My Way 50

Annual flu shot pledge 25

Non-tobacco user pledge 25

Wellness My Way• Self-directed approach to reach a personal wellness goal

and increase wellness points• Earn 50 points for completing your goal by August 31• Examples of Wellness My Way activities:

• Athletic events, such as marathons, triathlons, 10k walks• U of M sponsored programs, such as GSX or MBSR• Regular exercise at home, such as a treadmill or swimming pool• Alternative weight management programs• Team sports or fitness classes, such as yoga, zumba, tennis

• Self-report activity in the Wellness Points Bank

2012 Results• 13,987 Wellness Assessment participants (including

spouses/partners)• Up from 10,800 in 2011

• Health screening participants • 7,535 versus 951 in 2011

• On-site Health Coaching • 474 versus 173 in 2011

• Fit Choices participation• 59% earned credit versus 48% in 2011

• 5,756 UPlan members achieved their point goal and premium reduction• Up from 2,933 with follow-up programs in 2011

Return on Investment – 2006 - 2010

• Compared Wellness Program participants with those eligible and declined

• Disease Management – reduced employee health care costs by $2,073 per participant year

• Lifestyle Management – reduced health care costs for spouses and dependents by $2,401

Return on Investment – 2006 - 2010

2006 – 2008 Health Care Cost Savings

ROI per $1.00 Invested

Program Costs $16,626,209

Program Savings - Employees

$27,427,863 $1.65

+ Spouses & Dependents

$1,853,572

Total $29,281,435 $1.76

Second positive ROI for total wellness program Saved $1.76 for every $1.00 invested in total program

28% reduction in hospitalizations.

Do you have a Wellness Advocate for your Department?

• Wellness Advocates Program: • Looking for Wellness Advocates from each

College, Department• Lead departmental Wellness initiatives• Wellness Program to provide support, materials,

and training• Plus special programs for wellness advocates • Interested? Email to well@umn.edu

Enroll Now

• Open Enrollment, November 1-30, 2012• Enroll at http://hrss.umn.edu• Coverage changes made during Open

Enrollment are effective on January 1, 2013.