Postdoctoral Insurance Plan Open Enrollment - Plan Year 2011

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Postdoctoral Postdoctoral Insurance Plan Insurance Plan Open Enrollment - Plan Year Open Enrollment - Plan Year 2011 2011 (November 1 (November 1 st st , 2010 thru November , 2010 thru November 30 30 th th , 2010) , 2010)

description

Postdoctoral Insurance Plan Open Enrollment - Plan Year 2011 (November 1 st , 2010 thru November 30 th , 2010) Effective January 1 st , 2011. Agenda. Introduction Review of Benefits and Plan Designs Explanation of Open Enrollment Process Review of Dependent Contribution Worksheet Q & A. - PowerPoint PPT Presentation

Transcript of Postdoctoral Insurance Plan Open Enrollment - Plan Year 2011

Page 1: Postdoctoral Insurance Plan Open Enrollment - Plan  Year 2011

Postdoctoral Insurance PlanPostdoctoral Insurance PlanOpen Enrollment - Plan Year 2011Open Enrollment - Plan Year 2011

(November 1(November 1stst, 2010 thru November 30, 2010 thru November 30thth, 2010), 2010)

Effective January 1Effective January 1stst, 2011, 2011

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AgendaAgenda

IntroductionIntroduction Review of Benefits and Plan DesignsReview of Benefits and Plan Designs Explanation of Open Enrollment Explanation of Open Enrollment

ProcessProcess Review of Dependent Contribution Review of Dependent Contribution

WorksheetWorksheet Q & AQ & A

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IntroductionIntroduction The Postdoctoral Insurance PlanThe Postdoctoral Insurance Plan

The University of Pennsylvania Postdoctoral Insurance The University of Pennsylvania Postdoctoral Insurance Plan was implemented on March 1st, 2007, available to all Plan was implemented on March 1st, 2007, available to all Postdoctoral Scholars.Postdoctoral Scholars.

The University has partnered with Garnett-Powers & The University has partnered with Garnett-Powers & Associates to provide both administrative services and Associates to provide both administrative services and customer service for this program.customer service for this program.

The Postdoctoral Insurance Plan is a comprehensive The Postdoctoral Insurance Plan is a comprehensive package of benefits designed to closely match the benefits package of benefits designed to closely match the benefits offered to the UPENN faculty and staff.offered to the UPENN faculty and staff.

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Benefits Offered Through The Benefits Offered Through The Postdoctoral Insurance PlanPostdoctoral Insurance Plan

POS Medical Insurance – AetnaPOS Medical Insurance – Aetna PPO Medical Insurance - AetnaPPO Medical Insurance - Aetna DHMO Dental Insurance – AetnaDHMO Dental Insurance – Aetna PPO Dental Insurance - AetnaPPO Dental Insurance - Aetna PPO Vision Insurance – UnitedHealthcarePPO Vision Insurance – UnitedHealthcare Life and AD&D Insurance - AetnaLife and AD&D Insurance - Aetna

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MMEDICALEDICAL

IINSURANCENSURANCE

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What is a What is a Point of Service Plan (POS)?Point of Service Plan (POS)?

A POS offers two tiers of benefits - “ In- Network” and A POS offers two tiers of benefits - “ In- Network” and “Out-of-Network”.“Out-of-Network”.

Under the POS model, the member does not need to Under the POS model, the member does not need to choose a Primary Care Physician (PCP). Each family choose a Primary Care Physician (PCP). Each family member may have a separate in-network physician.member may have a separate in-network physician.

You are allowed to change your physician once a You are allowed to change your physician once a month if you are not satisfied with your current choice.month if you are not satisfied with your current choice.

You do not need a referral to see a specialist.You do not need a referral to see a specialist. The POS allows you to seek services out-of-network, The POS allows you to seek services out-of-network,

but at much higher out-of-pocket costs.but at much higher out-of-pocket costs.

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What is a PPO Plan?What is a PPO Plan? The member does not have to choose a PCP.The member does not have to choose a PCP.

There is an In-Network and Out-of-Network component.There is an In-Network and Out-of-Network component.

The In-Network benefits will be greater than the Out-of-The In-Network benefits will be greater than the Out-of-Network benefits.Network benefits.

At the time of service, the member has the ability to seek At the time of service, the member has the ability to seek care from a Specialist, without having to obtain a referral care from a Specialist, without having to obtain a referral from a PCP.from a PCP.

The contractual agreement between the PPO Plan and the The contractual agreement between the PPO Plan and the Provider is on a “discounted fee for service” basis. This Provider is on a “discounted fee for service” basis. This means that the provider who participates in the network has means that the provider who participates in the network has agreed to provide their service on an agreed upon discounted agreed to provide their service on an agreed upon discounted fee. The Provider who is not in the network will not agree to fee. The Provider who is not in the network will not agree to that discounted fee and will typically charge a “Reasonable that discounted fee and will typically charge a “Reasonable and Customary” fee. and Customary” fee.

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Medical Plan Changes for Medical Plan Changes for Plan Year 2011Plan Year 2011

Some benefit changes have been made to the Some benefit changes have been made to the POS medical plan to control premium costs.POS medical plan to control premium costs.

Health Care Reform has mandated some Health Care Reform has mandated some changes to benefit levels on both the POS and changes to benefit levels on both the POS and the PPO medical plans.the PPO medical plans.

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Medical Plan Changes for Medical Plan Changes for Plan Year 2011, contPlan Year 2011, cont

Aetna POS Medical Plan Changes:Aetna POS Medical Plan Changes:

20102010 20112011

Physician/Specialist Copays:Physician/Specialist Copays: $15/$20 $15/$20 $20/$30 $20/$30

Emergency Room Copay:Emergency Room Copay: $50 $50 $75 $75

In/Out of NetworkIn/Out of Network

Hospital Copay/Hospital Copay/

Coinsurance:Coinsurance: $100/$100-50% $250/$250-50% $100/$100-50% $250/$250-50%

In/Out of NetworkIn/Out of Network

Outpatient SurgeryOutpatient Surgery

Copay/Co-insurance:Copay/Co-insurance: $0/50% $0/50% $100/50% $100/50%

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Medical Plan Changes for Medical Plan Changes for Plan Year 2011, contPlan Year 2011, cont..

Health Care Reform has mandated the elimination of cost sharing for most preventive care services. Health Care Reform has mandated the elimination of cost sharing for most preventive care services. Some of those are:Some of those are:

20102010 20112011

Aetna POS Medical Plan: Aetna POS Medical Plan:

In-Network Routine Adult Physical In-Network Routine Adult Physical

Exam and Well Child Exam Copays: Exam and Well Child Exam Copays: $15$15 $0 $0

In-Network Routine Gynecological In-Network Routine Gynecological

Exam and Mammogram Copays:Exam and Mammogram Copays: $15 $15 $0 $0

Aetna PPO Medical Plan:Aetna PPO Medical Plan:

In-Network Routine Adult Physical In-Network Routine Adult Physical

Exam and Well Child Exam Copays: Exam and Well Child Exam Copays: $25$25 $0 $0

In-Network Routine Gynecological In-Network Routine Gynecological

Exam Copay:Exam Copay: $30 $30 $0 $0

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Premium Changes on POS and PPO Medical Plans for Plan Year 2011

Aetna POS Medical Plan:

Rates: 2010 2011

Postdoc Only: $287.78 $323.96 Postdoc + 1: $604.33 $680.32 Postdoc + 2 or more: $938.15 $1056.11

Aetna PPO Medical Plan: Rates: Postdoc Only: $394.96 $454.11 Postdoc + 1: $829.41 $953.63 Postdoc + 2 or more: $1287.55 $1480.39

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Health Care ReformHealth Care Reformand Your Medical Plansand Your Medical Plans

The Patient Protection and Affordable Care Act of The Patient Protection and Affordable Care Act of 2010 was signed into law on March 23, 2010.2010 was signed into law on March 23, 2010.

Your plans are not considered “grandfathered”, which Your plans are not considered “grandfathered”, which means the mandated provisions of the law will apply to means the mandated provisions of the law will apply to your medical plans.your medical plans.

Benefit changes are Benefit changes are highlighted in yellowhighlighted in yellow on the plan on the plan benefit pages.benefit pages.

Following are the changes to your Aetna medical plans:Following are the changes to your Aetna medical plans: Benefits for certain preventive health care services and Benefits for certain preventive health care services and

screenings must be provided without imposing any cost-screenings must be provided without imposing any cost-sharing requirements.sharing requirements.

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Health Care ReformHealth Care Reformand Your Medical Plans, cont.and Your Medical Plans, cont.

Following are the changes to your Aetna medical plans, Following are the changes to your Aetna medical plans, cont:cont:

» Coverage of adult children has been extended to age 26 regardless Coverage of adult children has been extended to age 26 regardless of whether the child is a tax dependent, student, or resides with or of whether the child is a tax dependent, student, or resides with or receives financial support from the parent. Adult age children receives financial support from the parent. Adult age children (19-26) are excluded if they are eligible to enroll in an employer-(19-26) are excluded if they are eligible to enroll in an employer-sponsored health plan other than the group health plan of either sponsored health plan other than the group health plan of either of the child’s parents.of the child’s parents.

» Regarding the above provision, individuals whose coverage Regarding the above provision, individuals whose coverage ended, or who were denied coverage (or were not eligible for ended, or who were denied coverage (or were not eligible for coverage), because the availability of dependent coverage of coverage), because the availability of dependent coverage of children ended before attainment of age 26 are eligible to enroll children ended before attainment of age 26 are eligible to enroll in the medical plans offered through Aetna.in the medical plans offered through Aetna.

» You may request enrollment for such children during the Open You may request enrollment for such children during the Open Enrollment period of November 1Enrollment period of November 1stst – November 30 – November 30thth, 2010. , 2010. Enrollment will be effective as of January 1Enrollment will be effective as of January 1stst, 2011., 2011.

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Postdoctoral Insurance PlanPostdoctoral Insurance PlanAetna POS Medical PlanAetna POS Medical Plan

Medical BenefitsMedical Benefits In-Network In-Network Out-of-NetworkOut-of-Network Postdoc PaysPostdoc Pays Postdoc PaysPostdoc Pays

  Physician/Specialist Office Visit:Physician/Specialist Office Visit: $20 /$30Copay$20 /$30Copay 50%*50%*Hospitalization:Hospitalization:

InpatientInpatient $250 Copay$250 Copay 50% after $250 Copay*50% after $250 Copay*OutpatientOutpatient $100 Copay$100 Copay 50%*50%*PregnancyPregnancy $250 Copay$250 Copay 50% after $250 Copay*50% after $250 Copay*

Prescription Drugs:Prescription Drugs:Tier 1Tier 1 $10 Copay$10 Copay $10 + 50% Copay$10 + 50% CopayTier 2Tier 2 $15 Copay$15 Copay $15 + 50% Copay$15 + 50% CopayTier 3Tier 3 $30 Copay$30 Copay $30 + 50% Copay$30 + 50% Copay

Emergency Room Visits:Emergency Room Visits: $75 Copay$75 Copay $75 Copay$75 Copay

Urgent Care:Urgent Care: $20 Copay$20 Copay 50%*50%*Routine Physical Exam:Routine Physical Exam: $0$0 50%*50%*Mental Health:Mental Health:

OutpatientOutpatient $30 Copay$30 Copay 50%*50%* Inpatient Inpatient $250 Copay$250 Copay 50% after $250 Copay*50% after $250 Copay*Deductible:Deductible:

IndividualIndividual n/an/a $5,000$5,000FamilyFamily n/an/a $10,000 $10,000

Annual Maximum Out of Pocket:Annual Maximum Out of Pocket: $0 Individual$0 Individual $10,000 Individual$10,000 Individual(Does not include deductible)(Does not include deductible) $0 Family$0 Family $20,000 Family$20,000 FamilyLifetime Maximum:Lifetime Maximum: UnlimitedUnlimited UnlimitedUnlimited

* Subject to Deductible* Subject to Deductible

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Postdoctoral Insurance Plan Postdoctoral Insurance Plan Aetna PPO Medical PlanAetna PPO Medical Plan

Medical BenefitsMedical Benefits In-NetworkIn-Network Out-of-Network Out-of-Network Postdoc PaysPostdoc Pays Postdoc PaysPostdoc Pays

  Physician/Specialist Office Visit:Physician/Specialist Office Visit: $25/$30 Copay$25/$30 Copay 30%*30%*Hospitalization:Hospitalization:

InpatientInpatient 10%*10%* 30%*30%*OutpatientOutpatient 10%*10%* 30%*30%*PregnancyPregnancy 10%*10%* 30%*30%*

Prescription Drugs:Prescription Drugs:Tier 1Tier 1 $10 Copay$10 Copay $10 + 30% Copay$10 + 30% CopayTier 2Tier 2 $15 Copay$15 Copay $15 + 30% Copay$15 + 30% CopayTier 3Tier 3 $30 Copay$30 Copay $30 + 30% Copay$30 + 30% Copay

Emergency Room Visits:Emergency Room Visits: $50 Copay$50 Copay $50 Copay$50 CopayUrgent Care:Urgent Care: $25 Copay$25 Copay 30%*30%*Routine Physical Exam:Routine Physical Exam: $0$0 30%*30%*Mental Health:Mental Health:

OutpatientOutpatient $30 Copay$30 Copay 30%*30%* InpatientInpatient 10%*10%* 30%*30%*Deductible:Deductible:

IndividualIndividual $200 $200 $500$500FamilyFamily $600$600 $1,500 $1,500

Annual Maximum Out of Pocket:Annual Maximum Out of Pocket: $2,500 Individual$2,500 Individual $3,000 Individual$3,000 Individual(Does not include deductible)(Does not include deductible) $7,500 Family$7,500 Family $9,000 Family$9,000 FamilyLifetime Maximum:Lifetime Maximum: UnlimitedUnlimited UnlimitedUnlimited

* * Subject to DeductibleSubject to Deductible

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Mail Order PharmacyMail Order Pharmacy

You may fill your maintenance You may fill your maintenance prescriptions through mail order.prescriptions through mail order.

Mail order forms and instructions are Mail order forms and instructions are available on Aetna Navigator as well as available on Aetna Navigator as well as the GPA website.the GPA website.

The copays (3 months worth of Rx) are: The copays (3 months worth of Rx) are: Generic Formulary: $20Generic Formulary: $20 Brand Formulary: $30Brand Formulary: $30 Generic or Brand,Generic or Brand, Non-Formulary: $60Non-Formulary: $60

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Aetna Wellness ProgramsAetna Wellness Programs

Beginning RightBeginning Right – A program to assist moms-to-be with materials – A program to assist moms-to-be with materials on prenatal care, labor and delivery, as well as newborn care and on prenatal care, labor and delivery, as well as newborn care and pregnancy risk surveys to identify any potential problems.pregnancy risk surveys to identify any potential problems.

Global FitGlobal Fit – Save on fitness club memberships and exercise – Save on fitness club memberships and exercise equipment, with preferred discounts within the GlobalFit equipment, with preferred discounts within the GlobalFit network.network.

Several programs may be viewed on the website at Several programs may be viewed on the website at www.garnett-powers.com/upenn/wellness.htm . .

To see all programs Aetna offers, visit To see all programs Aetna offers, visit www.aetna.com and register and register for Aetna Navigator.for Aetna Navigator.

Aetna Navigator secure member website provides numerous Aetna Navigator secure member website provides numerous services, as finding the cost for tests and procedures, reviewing services, as finding the cost for tests and procedures, reviewing your claim status details, ordering ID cards and a myriad of other your claim status details, ordering ID cards and a myriad of other services that can assist you in managing your healthcare.services that can assist you in managing your healthcare.

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DDENTALENTAL

IINSURANCENSURANCE

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Postdoctoral Insurance Plan DHMO Dental PlanPostdoctoral Insurance Plan DHMO Dental Plan Aetna Insurance CompanyAetna Insurance Company

Dental BenefitsDental Benefits Postdoctoral Scholar PaysPostdoctoral Scholar Pays

DeductibleDeductible NoneNone

Diagnostic and Preventative CareDiagnostic and Preventative CareRoutine Oral Exams (4 x per year)Routine Oral Exams (4 x per year) No chargeNo chargeRoutine Teeth Cleanings (2 x per year)Routine Teeth Cleanings (2 x per year) No chargeNo chargeRoutine X-RaysRoutine X-Rays No chargeNo charge  Basic ProceduresBasic ProceduresFillingsFillings Varies up to $80 copayVaries up to $80 copayOral SurgeryOral Surgery Varies up to $130 copay Varies up to $130 copay EndodonticsEndodontics Varies up to $280 copay Varies up to $280 copay PeriodonticsPeriodontics Varies up to $300 copayVaries up to $300 copay  Major Procedures Major Procedures CrownsCrowns Varies up to $400 copay Varies up to $400 copay   OrthodonticsOrthodonticsComprehensive Treatment- ChildComprehensive Treatment- Child $1,945 copay plus start-up fees and retention$1,945 copay plus start-up fees and retentionComprehensive Treatment- AdultComprehensive Treatment- Adult $1,945 copay plus start-up fees and retention$1,945 copay plus start-up fees and retention  Annual MaximumAnnual Maximum UnlimitedUnlimited

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Postdoctoral Insurance Plan PPO Dental PlanPostdoctoral Insurance Plan PPO Dental Plan Aetna Insurance CompanyAetna Insurance Company

Annual Maximum $1,500Annual Maximum $1,500   In-Network Out-of-NetworkIn-Network Out-of-Network

Postdoc PaysPostdoc Pays Postdoc PaysPostdoc Pays

Calendar Year DeductibleCalendar Year Deductible $50 Individual / $150 Family $50 Individual / $150 Family $50 Individual / $150 Family $50 Individual / $150 Family

Diagnostic and Preventative CareDiagnostic and Preventative Care- Routine Exams- Routine Exams 0% 0% 20% of UCR 20% of UCR - Teeth Cleanings - Teeth Cleanings - X-Rays- X-Rays Basic ProceduresBasic Procedures - Fillings - Fillings 20% 20% 50% of UCR 50% of UCR- Endodontics - Endodontics - Periodontics - Periodontics - Oral Surgery - Oral Surgery Major ProceduresMajor Procedures - Crowns - Crowns 50%50% 50% of UCR 50% of UCR- Bridgework - Bridgework - Dentures- Dentures Orthodontia (child only)Orthodontia (child only)- $2,000 Lifetime Maximum- $2,000 Lifetime Maximum 50%50% 50% of UCR 50% of UCR    

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VVISIONISION

IINSURANCENSURANCE

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Postdoctoral Insurance Plan PPO Vision PlanPostdoctoral Insurance Plan PPO Vision PlanUnitedHealthcare VisionUnitedHealthcare Vision

Vision BenefitsVision Benefits In-NetworkIn-Network Out of Network Out of Network Postdoctoral Scholar PaysPostdoctoral Scholar Pays Postdoctoral Scholar AllowancePostdoctoral Scholar Allowance

  Exam with Dilation (if necessary)Exam with Dilation (if necessary) $10 Exam Copay $10 Exam Copay Up to $40Up to $40

Standard Lenses:Standard Lenses:Single VisionSingle Vision $25 $25 Up to $40Up to $40BifocalBifocal MaterialsMaterials Up to $60Up to $60TrifocalTrifocal Copay Copay Up to $80Up to $80LenticularLenticular Up to $80Up to $80

FramesFrames $130 retail allowance for $130 retail allowance for Up to $45Up to $45 any frame, plus discount offany frame, plus discount off balance over allowancebalance over allowance

Lens Options:Lens Options:UV CoatingUV Coating N/A N/ATint (solid and gradient)Tint (solid and gradient) Available Available N/A N/A Standard PolycarbonateStandard Polycarbonate at a at a N/A N/AStandard ProgressiveStandard Progressive discount discount N/A N/AStandard Anti-ReflectionStandard Anti-Reflection N/A N/A

Contact LensesContact Lenses $105 Allowance $105 Allowance Up to $105 Allowance Up to $105 Allowance

Frequency:Frequency:ExaminationExamination Once Every 12 MonthsOnce Every 12 MonthsLenses or Contact LensesLenses or Contact Lenses Once Every 12 MonthsOnce Every 12 MonthsFrameFrame Once Every 12 MonthsOnce Every 12 Months

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LLIFE IFE AND AND ADAD&&DDIINSURANCENSURANCE

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Postdoctoral Insurance PlanPostdoctoral Insurance Plan Life Insurance Life Insurance and and Accidental Death & Dismemberment (AD&D) Plan Accidental Death & Dismemberment (AD&D) Plan

Aetna Insurance CompanyAetna Insurance Company

The plan pays $50,000 in the event of a death.The plan pays $50,000 in the event of a death.

The plan pays an additional $50,000 in the event of an Accidental Death.The plan pays an additional $50,000 in the event of an Accidental Death.

The plan provides both postdocs and their dependents the medical evacuation The plan provides both postdocs and their dependents the medical evacuation and repatriation benefits necessary to satisfy the J1 & J2 Visa requirements. and repatriation benefits necessary to satisfy the J1 & J2 Visa requirements. The $10,000 of Medical Evacuation Insurance and $7,500 of Repatriation of The $10,000 of Medical Evacuation Insurance and $7,500 of Repatriation of Mortal Remains Insurance required will be covered beginning January 1Mortal Remains Insurance required will be covered beginning January 1 stst, , 2008 through this benefit.2008 through this benefit.

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Life and AD&D Insurance, cont.Life and AD&D Insurance, cont.

Accelerated Benefit ProvisionAccelerated Benefit Provision – Allows eligible members, – Allows eligible members, who are terminally ill, to receive an early allocation of up who are terminally ill, to receive an early allocation of up to 75% of their group life insurance benefit.to 75% of their group life insurance benefit.

Financial counseling and investment servicesFinancial counseling and investment services – All – All beneficiaries can receive free financial counseling from beneficiaries can receive free financial counseling from Chase Investment Services Corporation.Chase Investment Services Corporation.

Free Web-based legal information and discounted legal Free Web-based legal information and discounted legal servicesservices – The Legal Reference Program offers access to – The Legal Reference Program offers access to free and discounted legal services. Visit free and discounted legal services. Visit www.ichooselegal.comwww.ichooselegal.com for more information. for more information.

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The Open Enrollment ProcessThe Open Enrollment Process

All currently enrolled Postdoctoral Scholars have the option of the All currently enrolled Postdoctoral Scholars have the option of the following during the Open Enrollment Period from November 1following during the Open Enrollment Period from November 1stst – November 30– November 30thth, 2010. We encourage all postdocs to make their , 2010. We encourage all postdocs to make their elections prior to November 19elections prior to November 19thth, 2010 in order to receive your ID , 2010 in order to receive your ID cards by January 1cards by January 1stst, 2011.:, 2011.:

If you are currently enrolled in the Medical POS, you may switch If you are currently enrolled in the Medical POS, you may switch to the Medical PPO. to the Medical PPO.

If you are currently enrolled in the Dental DHMO, you may If you are currently enrolled in the Dental DHMO, you may switch to the Dental PPO, or vice versa.switch to the Dental PPO, or vice versa.

If you previously waived either yourself and/or yourIf you previously waived either yourself and/or your family members, they may be added at this time. family members, they may be added at this time. Please Note: If you are currently enrolled in the Medical PPO you Please Note: If you are currently enrolled in the Medical PPO you

may switch to the Medical POS as long as you are in the Medical may switch to the Medical POS as long as you are in the Medical POS service area. Please call our office for assistance.POS service area. Please call our office for assistance.

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The Open Enrollment Process, cont.The Open Enrollment Process, cont.

In order to make changes to your enrollment for Plan Year 2011 In order to make changes to your enrollment for Plan Year 2011 please follow these steps. Please note that all changes made to your please follow these steps. Please note that all changes made to your current enrollment will take effect January 1current enrollment will take effect January 1stst, 2011:, 2011:

Go to the Garnett-Powers & Associates website at Go to the Garnett-Powers & Associates website at www.garnett-www.garnett-powers.com/upennpowers.com/upenn and click on “Enrollment”, then the sub-link and click on “Enrollment”, then the sub-link “Open Enrollment ”.“Open Enrollment ”.

Click on the “Open Enrollment Instructions” link and print them Click on the “Open Enrollment Instructions” link and print them out for assistance with completing the Open Enrollment Form out for assistance with completing the Open Enrollment Form properly.properly.

Once the instructions are in hand, go directly to the “Open Once the instructions are in hand, go directly to the “Open Enrollment Form”. You will need your Penn ID and previously Enrollment Form”. You will need your Penn ID and previously created unique password to enter the site. Once there, you may created unique password to enter the site. Once there, you may view your current enrollment and make the plan changes you view your current enrollment and make the plan changes you desire online. Once complete, you may print a copy for your desire online. Once complete, you may print a copy for your records.records.

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The Open Enrollment Process, cont.The Open Enrollment Process, cont. Once you access your online Open Enrollment Form you Once you access your online Open Enrollment Form you

may do the following:may do the following:1.1. Make the changes mentioned earlier regarding Make the changes mentioned earlier regarding

switching to medical PPO and/or dental PPO if desired. switching to medical PPO and/or dental PPO if desired. Please check all plans in which you wish to be enrolled Please check all plans in which you wish to be enrolled for Plan Year 2011.for Plan Year 2011.

2.2. Enroll yourself and/or your eligible dependents if you Enroll yourself and/or your eligible dependents if you previously waived.previously waived.

3.3. Switch from the PPO plan to the POS plan if you are Switch from the PPO plan to the POS plan if you are not living outside of the POS service area.not living outside of the POS service area.

4.4. Update your Life Insurance beneficiary information. If Update your Life Insurance beneficiary information. If nothing has changed, you may leave this section as is.nothing has changed, you may leave this section as is.

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The Open Enrollment Process, cont.The Open Enrollment Process, cont.

If you previously waived dental, or now desire to switch to the If you previously waived dental, or now desire to switch to the dental HMO, you must choose a Primary Care Dentist, for all dental HMO, you must choose a Primary Care Dentist, for all participating family members. One will not be automatically participating family members. One will not be automatically selected for you. Provider directory links are available at the GPA selected for you. Provider directory links are available at the GPA website.website.

If you are making a change to either the medical PPO or dental If you are making a change to either the medical PPO or dental PPO plan, and your department will be paying the upcharge (the PPO plan, and your department will be paying the upcharge (the difference between HMO and PPO), please complete a Dependent difference between HMO and PPO), please complete a Dependent Contribution Worksheet.Contribution Worksheet.

If you are adding dependents to any plan and the department will If you are adding dependents to any plan and the department will be paying for the dependents, please complete a Dependent be paying for the dependents, please complete a Dependent Contribution Worksheet. Contribution Worksheet.

To obtain the form, click on “Dependent Contribution To obtain the form, click on “Dependent Contribution Worksheets” found in the Enrollment section on the website. Please Worksheets” found in the Enrollment section on the website. Please use the ‘PDCW 2011’ for the Open Enrollment changes described use the ‘PDCW 2011’ for the Open Enrollment changes described above. Both you and your Department Administrator must sign the above. Both you and your Department Administrator must sign the form. Please either e-mail or fax the form to our office.form. Please either e-mail or fax the form to our office.

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The Open Enrollment Process, cont.The Open Enrollment Process, cont.

When you click ‘Submit’ on the Open Enrollment When you click ‘Submit’ on the Open Enrollment Form, an electronic version of the enrollment form will Form, an electronic version of the enrollment form will be submitted to the Garnett-Powers & Associates’ be submitted to the Garnett-Powers & Associates’ secure website for data entry.secure website for data entry.

An e-mail will be sent no later than December 18An e-mail will be sent no later than December 18thth confirming your new enrollment status. Please make confirming your new enrollment status. Please make sure the e-mail address that appears on your sure the e-mail address that appears on your enrollment form is correct.enrollment form is correct.

ID cards will be mailed to your home. You will not ID cards will be mailed to your home. You will not receive an ID card for the Vision Plan.receive an ID card for the Vision Plan.

All Postdoctoral Scholars All Postdoctoral Scholars willwill be enrolled in the Life be enrolled in the Life Insurance and Accidental Death & Dismemberment Insurance and Accidental Death & Dismemberment plans.plans.

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Family Member EligibilityFamily Member Eligibility

Family member eligibility requirements are the same as the Family member eligibility requirements are the same as the family member eligibility requirements for the UPENN family member eligibility requirements for the UPENN

faculty/staff plans. The major family categories are:faculty/staff plans. The major family categories are:

SpouseSpouse Natural or adopted child or children to age 26 for medical plans Natural or adopted child or children to age 26 for medical plans

(unless eligible to continue coverage because of disability). (unless eligible to continue coverage because of disability). Adult Adult age children (19-26) may be excluded if they are eligible to enroll age children (19-26) may be excluded if they are eligible to enroll in an employer-sponsored plan other than the group plans of in an employer-sponsored plan other than the group plans of either of the child’s parentseither of the child’s parents Stepchildren may be included, if they Stepchildren may be included, if they live with the Postdoctoral Scholar, are supported by the live with the Postdoctoral Scholar, are supported by the Postdoctoral Scholar at more than 50% and claimed as a tax Postdoctoral Scholar at more than 50% and claimed as a tax dependent.dependent.

Same-sex domestic partner. The required Domestic Partner Same-sex domestic partner. The required Domestic Partner Affidavit (located on the GPA website under ‘Enrollment’) must Affidavit (located on the GPA website under ‘Enrollment’) must

be notarized and forwarded to Garnett-Powers & Associates.be notarized and forwarded to Garnett-Powers & Associates.

Page 32: Postdoctoral Insurance Plan Open Enrollment - Plan  Year 2011

Information SourcesInformation SourcesFor general inquiries and customer service regarding For general inquiries and customer service regarding

enrollment, benefit questions and ID cards, enrollment, benefit questions and ID cards, please contact:please contact:

Garnett-Powers Garnett-Powers && Associates, Inc. Associates, Inc.

WebsiteWebsite:: www.garnett-powers.com/upenn

Toll Free PhoneToll Free Phone::800-319-9557800-319-9557

Fax #Fax #:: 949-583-2929949-583-2929

Email AddressEmail Address::

[email protected]@garnett-powers.com