Blue Shield Health Savings Plan Laura Morgan UCSB Human Resources, Benefits
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Blue Shield Health Savings PlanLaura MorganUCSB Human Resources, Benefits
This presentation is intended for communication purposes only. Please see plan document and http://atyourservice.ucop.edu for complete information.
Big changes New choices
11/2013
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Topics• Open Enrollment Overview• Blue Shield PPO• Health Savings Account
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Open Enrollment • Ends Tuesday, November 26, 5:00
pm
• Make changes onlinehttp://atyourservice.ucop.edu
• All changes are effective January 1, 2014
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Actions• Change medical and/or dental plan• Enroll in medical, dental, vision• Add eligible family members• Enroll or re-enroll in Health Flexible
Spending Account (FSA) ◊ unless you select the Blue Shield Health
Saving Plan)• Enroll or re-enroll in Dependent Care
FSA
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2014 Medical Plans2013 2014
Anthem PPO UC Care PPO(administered by Blue Shield)Anthem PLUS
Anthem HRA-PPOBlue Shield
Health Savings Plan (PPO)
Health Net Blue & Gold HMO Health Net Blue & Gold
HMOHealth Net HMO
Kaiser HMO Kaiser HMOCore Core
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Default Medical Plans2013 Medical Plan 2014 Medical Plan
Health Net Blue & Gold HMO
Health Net Blue & Gold HMO
Health Net HMO (full) Health Net Blue & Gold HMOKaiser HMO Kaiser HMOAnthem PLUS UC Care Anthem PPO UC CareAnthem Lumenos HRA Blue Shield Health Savings
PlanAnthem Core Blue Shield Core
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What is your priority?• Cost to enroll – monthly premium• Cost of care
◊ Predictable, low cost copays◊ Pay a % of each service
• Choice of providers◊ HMO medical group physicians◊ PPO preferred network or any provider
• Effort to manage – coordinating care & bills
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Blue Shield Health Savings Plan
Combines high deductible PPO with account to pay out-of-pocket expenses
Medical CoverageBlue Shield PPO
Health Savings AccountHealthEquity
+
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Lumenos vs Blue Shield HSP
Deductible Health
Reimbursement Account (HRA)
Member pays
PPO Coinsurance
Lumenos Blue Shield PPODeductible Member pays
PPO Coinsurance
UC ContributionsMember ContributionsLumenos HRA Rollover
Health Savings Account
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Preventive Care• Preventive care is covered at 100%
with Blue Shield PPO providers• Preventive care includes:
◊ Annual well visit and labs◊ Well woman visits and labs◊ Preventive screening tests◊ Immunizations
• See list of preventive services on http://www.blueshieldca.com/uc
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Blue Shield PPO• You direct your own care, you decide
where to receive services• You pay annual deductibles before plan
pays• After deductible, you share the cost of
each service with the plan - coinsurance• Your costs are lower if you select a Blue
Shield PPO provider• “Out-of-pocket Maximum” limits your
financial liability
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Residence, Networks & Travel
• The employee must live in US• When in US
◊ Comprehensive coverage◊ Blue Shield PPO network in CA◊ Blue Cross Blue Shield network outside
CA• When traveling out of US
◊ Emergency and urgent care only◊ NO routine care
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Blue Shield PPO - Plan Design
In Network Out of Network
Deductible Single Family
$1,250$2,500
$2,500 $5,000
Member Cost Sharing(Coinsurance for medical and drugs)
20% 40%
Out-of-Pocket Max(includes deductible) Single Family
$4,000 $6,400
$8,000 $16,000
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Single vs FamilySame design as Lumenos:
• Single = one person enrolled in plan
• Family = more than one person in plan◊ Families share one deductible◊ Families share one out-of-pocket
maximum
(UC Care has a different plan design)
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Deductible, Coinsurance, OOPM
You pay You share cost with plan
Plan pays100%
$1250Deductibl
e20% Coinsurance $4000
OOPM
Blue Shield Health Savings Plan Individual (Single)
Preferred Providers
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Deductible, Coinsurance, OOPM
You pay You share cost with plan
Plan pays100%
$2500Deductibl
e20% Coinsurance $6400
OOPM
Blue Shield Health Savings Plan Family
Preferred Providers The full family deductible must be met before plan
shares costs
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Allowed Amount – In Network
In-Network ExampleDiscounted rate that plan negotiates for each service with “preferred” or participating providers• You pay the in-network
coinsurance on the discounted rate.
• Provider can’t “balance bill”
20% Coinsurance
Provider charge: $200Allowed amount: $100Plan pays 80%: $80You pay 20% $20
Provider write-off:$100
PPO plans negotiate “allowed” rates to process claims.
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Allowed Amount – Out of Network
Out-of-Network ExampleValue that plan assigns to a service when provider is NOT a “preferred provider” (not participating)• Plan pays out-of-network
coinsurance on the allowed amount.
• Provider can “balance bill”
40% Coinsurance
Provider charge: $200Allowed amount: $100Plan pays 60%: $60(60% of $100)You pay 40%: $40You pay balance: $100
PPO plans assign “allowed” rates to process claims.
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Medical Claims, EOBs & Bills
You receive servicesYou pay nothing at the time of service for in-network care
Provider sends claim for services to Blue Shield
Blue Shield sends EOBExplanation of Benefits (EOB) outlines allowed charges, deductible and co-insurance. “This is not a bill”.
Provider sends billThe bill should match the EOB. It should reflect the in-network discount and any payments received from health plan.
You pay provider• Pay with HSA fundsor• Pay with other funds
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Prescription Drugs• There is no separate drug plan with
copays• Drug expenses are applied to the plan
in the same way as medical expenses◊ You pay full cost of medication until you
satisfy the deductible◊ After deductible, you pay 20% at
preferred pharmacies
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Pharmacy ClaimsYou go to the pharmacy
Pay with your HSA debit cardorPay with personal funds and later go to your HealthEquity account online and reimburse yourself (if you have money in the account)
Give pharmacist your Blue Shield ID card so they can apply the Blue Shield Rx discount
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Learn more about PPOsFair Health Consumerhttp://www.fairhealthconsumer.org/• Estimate cost of medical procedures• “LEARN” tab – print and video resources
◊ How plans work◊ Cost Sharing, know what you may owe
Good Rx• http://www.goodrx.com• Estimate cost of drugs (for Blue Shield
HSP)
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Health Saving Account
Blue Shield PPO +
High deductible medical plan paired with a Health Savings Account
Health Savings Account
• The Health Savings Account is not a component of the medical plan as HRA is with Lumenos.
• It is a separate account that can be used to pay medical and other health expenses.
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Why is HSA better?• You keep the money even if you change
jobs or insurance plans• You can make contributions at any time• It has triple tax advantage
• No Federal taxes on contributions • No taxes when funds are used• No taxes on earnings
• HSA funds rollover from year to year; no use it or lose it as with Health FSA
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Employees can maximize savings
• UC Contribution (1/1/14) ◊ $500 individual ◊ $1000 family
• You can contribute up to (optional): ◊ Single-coverage: $2,800 ◊ Family-coverage: $5,550◊ Catch-up contribution, age 55+:
$1,000Tip: Contribute the money you would
have put in your Health FSA.
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Who is eligible for HSA?To own an HSA you need to:• Be covered ONLY by an HSA-qualified
health plan◊ Other health coverage may disqualify you,
including Health FSA, Medicare or traditional health plan
◊ Health FSA must have a $0 balance on Dec. 31, 2013 (complete any claims reimbursement by Dec. 31, 2013)
• Not be claimed as a dependent on someone else’s tax return
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Your Responsibility• Contribute only the amount allowed
by IRS• Use HSA funds for eligible expenses• Keep itemized receipts as tax
documents• Follow HSA eligibility rules
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Lumenos HRA Rollover• Remaining Lumenos HRA money will roll-over
into the Health Savings Account (4/1/14)• Lumenos HRA $ are treated differently than
HSA $ by IRS• Lumenos HRA $ becomes a “Post Deductible
Health Reimbursement Account” = PDHRA• You must pay the Blue Shield HSP deductible
with other funds BEFORE you can use the PDHRA to pay eligible expenses.
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Example: Lumenos PDHRA • Single Deductible $1,250• UC Contribution to HSA $500• Remaining balance $750
◊ Pay with personal fundsorPay with your contributions to HSA
• Lumenos PDHRA can be used to pay 20% coinsurance after deductible is satisfied
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Use the HSA to pay for…• Deductible• Coinsurance• Any IRS Publication 502 Expenses, including:
◊ Medical◊ Dental◊ Vision◊ Prescription drug◊ Long Term Care insurance premiums
• See Health Equity website for more information
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How does HSA work?• UC makes annual contribution for plans
that start on January 1.• You may contribute through payroll
deduction or make post-tax contributions to HealthEquity
• Use a HSA debit card to pay for health expenses
• Use HealthEquity website to pay medical and other health claims
• Invest HSA dollars when account balance reaches $2000 – no fees to invest
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HSA vs FSA• The HSA is NOT like the Health FSA where
you have access to the entire annual contribution starting on January 1
• The HSA is like a checking account – the money must be in the account before you can spend it◊ You make monthly contributions
through payroll deduction, you can change the contribution amount during the year
◊ You can make one time contributions through Health Equity
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www.healthequity.com/ed/uc
Register as new member on this site after 1/1/14
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www.blueshieldca.com/uc Register as new member on this site after 1/1/14
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Health Equity Member Portal
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Claim Summary Screen• View claim detail• Choose action to
be taken − Pay provider− Reimburse
themselves− Close
expense• Pay from HSA
account or external checking/savings account
• Schedule payment
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Member Resources• Welcome Kit - to get you started• Debit card loaded with UC
Contribution• Online resources
◊ Treatment cost estimator tool◊ Drug costs, information and claim
summary• Smart phone browser
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Optum (formerly United Behavioral Health)
• Optum coordinates behavioral health care for all medical plans (except CORE)◊ psychiatrist◊ psychologist◊ therapist◊ substance abuse treatment
• No referral required from physician• Call Optum to notify prior to first visit
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Behavioral/Mental Health• Medical and behavioral health deductibles and
OOPM cross accumulate.• See the Evidence of Coverage for complete
details. Covered Service
Optum Clinicians
Out-of-Network
Deductible $1,250 individual$2,500 family
$2,500 individual$5,000 family
Outpatient Office Visits
You pay 20% Plan pays 60% of allowed rate
Emergency Room
You pay 20% Plan pays 80% of allowed rate
Inpatient Stays You pay 20% Plan pays 60% of allowed rate
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For more informationHealthEquity Member Services is available
every hour of every dayCall the Blue Shield/UC dedicated line
1.855.201.8375 say
“Health Savings Account”
www.healthequity.com/ed/uc
www.blueshieldca.com/uc
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http://atyourservice.ucop.edu/oe
• Resources◊ Plan contacts◊ Plan rates
• Medical Plans◊ Benefit summaries◊ Links to plan websites◊ Links to provider directories
• Other plans◊ Dental, vision, FSA
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Two Adults – Payband 51K-101KUC Care 281/moHSP 103/moDifference 178 x 12 = 2,136
Family Deductible 2,500Premium Saving 2,136UC HSA Contribution 1,000
Maximum HSA Contribution 5,550