DBR Benefits BriefingOctober 2015

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This presentation is intended for communication purposes only, it is not a guarantee of benefits.

Please see insurance plan documents and http://ucnet.universityofcalifornia.edu/OE

for complete information.

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Are You Covered? What do you need? What are your priorities?

– Monthly cost of plan– Cost of care– Choice of provider– Ease to manage

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Thank you DBRs!!!We rely on you to be an informed resource for the employees in your departments. Health insurance benefits Other insurance and programs Retirement benefits Disability Services Human Resources programs and events

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Your Benefits and Disability Partners

Benefits Disability ServicesLisa Romero Elizabeth Delo

Kevin Wilson-Smith Christie Pryce

Cynthia Del Rosario Tami Schmittgen

Edna Arellano

Laura Morgan

Steve Pulliam (temp)

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Agenda Open Enrollment Basics 2016 Health Plans and Programs Other Plans & Programs Administrative News & Reminders Retirement Resources & Partners

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Open Enrollment DatesStart: Thursday, October 29 at 8:00 AMEnd: Tuesday, November 24 at 5:00 PM

All changes effective on January 1, 2016

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Actions Change or enroll in medical, dental, vision or legal Enroll eligible family members in medical, dental,

vision or legal plans Enroll in Health or Dependent Care Flexible Spending

Account (reenroll each year) Change contribution to Blue Shield Health Savings

Account

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How to Make Changes Go to Open Enrollment website on UCnet

http://ucnet.universityofcalifornia.edu/OE – Select “Sign In”– Sign-in using your AYSO ID and password– Select “Open Enrollment for 2016” link– Select the tab for the change you desire– Confirm your selection– Print your confirmation

Resetting Passwords on AYSOhttps://atyourserviceonline.ucop.edu/ayso/

• Encourage employees to use the “forgot password” and “forgot username” options on At Your Service Online

• If that doesn’t work, call or email:

Edna Arellanoedna.arellano@hr.ucsb.edux4048

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Booklets and Open Enrollment Website Oct 23 - Booklets mail

o Cut-off date for mailing August 31

o Employees input in PPS after this date should be referred to web for OE materials

Oct 26 - OE website launches http://ucnet.universityofcalifornia.edu/oe o News stories on UCneto Benefit Education Videoso Medical Plan Chooser

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Videos and News Stories on UCnet

Medical Plan Comparison English and Spanish

Medical Terms and Concepts Making the Most of Your

Medical Benefits Disability Benefits

OE Overview and Rates Medical Plan

Satisfaction Survey

News StoriesBenefit Videos

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Campus EventsMini-Fair & Presentations – November 12 at UCEN

Fair participants - Medical plans, Optum, Delta Dental, ARAG Legal, Fidelity

Presentations by medical plan representatives

Presentations by Benefits Staff in November Medical Plan Comparison Blue Shield Health Savings Plan

Help Desks in November Farmers Market Q&A with Computer Lab

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Health Plans & ProgramsMedical

Behavioral HealthDentalVision

UC Living WellHealth Programs

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All Health Plans Continue in 2016 Health Net Blue & Gold HMO Kaiser HMO UC Care PPO Blue Shield Health Savings Plan Core Delta Dental PPO DeltaCare USA Vision Services Plan

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2016 Medical Plan Impact on Employee Paycheck 34% will see a rate reduction 50% will see increases of < $6 16% will see increases of $18-$53*

(Impact estimates based on 2015 enrollment)

* Remember… o Pre-tax premiums through TIP reduces the impact on actual take

home pay due to savings on Federal State and FICA taxes.

Decrease

Increase <$6

Increase $18-$53

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2016 Medical Pay Band Adjustment

2015 Pay

Band

Range for Medical Contribution Base

Using Full-Time Salary as of

Jan 2014

1 $51,000 & under

2 $51,001 to $101,000

3 $101,001 to $152,000

4 $152,001 & over

Pay Bands are adjusted annually, based on the change in California consumer price index from February of prior year to February of current year (CA Department of Finance).

The index used is that for urban wage earners and clerical workers (CPI-U). The change from February 2014 to February 2015 was 0.34%.

2016 Pay

Band

Range for Medical Contribution Base

Using Full-Time Salary as of

Jan 2015

1 $51,000 & under

2 $51,001 to $102,000

3 $102,001 to $153,000

4 $153,001 & over

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Few Changes to Medical Plans Some enhanced benefits

– Travel Immunizations/Vaccine coverage improved and included in all medical plans.

Provider networks – UC Care expands UC Select/Tier 1 network in Santa

Barbara Additional wellness and health resources

UC Care PPOUC Select

Tier 1

Copays

Blue ShieldPreferred

Tier 2

Deductible

20% Coinsurance

Non-PreferredOut-of-Network

Tier 3

Deductible

50% Coinsurance

• Your costs are based on the tier/network that the provider is in and the service that you receive

• Not all services are covered at as a UC Select/Tier 1benefit • Some services are covered only at the Blue Shield

Preferred and Non-Preferred tiers

UC Care - Santa Barbara Network UpdateProvider Status

Sansum Clinic UC Select/Tier 1

Quest Diagnostic LabUnilab

UC Select/Tier 1

Cottage Hospital UC Select/Tier 1 as of 1/1/16

Pueblo Radiology UC Select/Tier 1 as of 1/1/16

Pacific Diagnostic Lab UC Select/Tier 1 as of 1/1/16

Santa Barbara Preferred Health Partners

Some physicians are in Blue Shield Preferred/Tier 2

No changes in the Ventura and Santa Maria networks.

UC Care - Ambulatory Surgical Centers

UC Select(Tier 1)

Blue Shield Preferred(Tier 2)

Non- Preferred(out-of-network)

CURRENTN/A 20% 50%

NEW FOR 2016: Adding coverage at the UC Select level

$100 per surgery 20% 50%

Outpatient Surgery performed at an Ambulatory Surgical Center (ASC).

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Blue Shield Health Savings PlanCombines high deductible PPO medical plan with a

savings account to pay out-of-pocket expenses

Medical CoverageBlue Shield PPOblueshieldca.com/uc

Health Savings AccountHealthEquity

healthequity.com/ed/uc/

+

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Contributions to Health Savings Account UC Contribution (1/1/16)

– $500 individual – $1000 family (2 or more)

Employees can contribute up to (optional):

– Single-coverage: $2,850 ($3,350 – $500)– Family-coverage: $5,750 ($6,750 – $1,000)– Catch-up contribution, age 55+: $1,000

UC Contribution is prorated for plans that start after January 1

Employees may elect to make contributions using the Open Enrollment application or throughout the year by submitting a UPAY 850 to Benefits.

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Health Saving Account - LimitationsHealth Savings Account “owners”

Must live in US You can’t be enrolled in:

oHealth Flexible Spending Account (FSA)

oOther traditional health plan

oMedicare Part A or B

Can’t be claimed as a dependent on someone else’s tax return

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Optum Behavioral Health No changes for 2016 Continues to provide mental health and substance

abuse treatment for:– Health Net Blue & Gold HMO– Kaiser HMO (may also use Kaiser providers)– UC Care PPO (may also use non-Optum)– Blue Shield Health Savings Plan

(may also use non-Optum)

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Core – Behavioral HealthThe Core medical plan uses Blue Shield providers for in-network care.

Applied Behavioral Analysis (ABA)Autism Support

CURRENT NEW FOR 2016Not Covered After deductible,

20% in/out-of-network

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2016 UC Living Well Program

A healthy, engaged, and productive workforce is essential to support UC’s academic and research mission

Highlight local wellness programs

Local wellness coordinators serve as SMEs

Build on current system-wide policies and partnerships that support healthy workforce and culture

Optum Wellness is being discontinued. !

Leverage health plan wellness programs

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Health Net Blue & GoldQuit for Life Smoking Cessation Program

CURRENT Online program – web based learning and support toolsNo telephonic coaching

NEW FOR 2016Online program – web based learning and support toolsTelephonic coaching – phone based behavioral coaching

More information on: http://www.healthnet.com/uc

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Health Net Blue & GoldOmada Prevent Program

CURRENT Health improvement program targeting members at risk for diabetes

NEW FOR 2016Health improvement program expanded to target members at risk for diabetes and/or heart disease

More information on: http://www.healthnet.com/uc

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Blue Shield Health Savings Plan

New Programs

WelvieOnline surgery support tool for members

Oncology Practice of the FutureProgram is an innovative approach predicated upon deep partnerships with providers to ensure best care for members in need

More information on http://www.blueshieldca.com/uc

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Core MedicalNew Program

Oncology Practice of the FutureProgram is an innovative approach predicated upon deep partnerships with providers to ensure best care for members in need

More information on http://www.blueshieldca.com/uc

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TeleHealth Programs Designed to enhance the care you already receive from

your personal physician:– When you are considering the ER or urgent care for

nonemergency medical issues– After normal office hours– When your primary care physician is not available– With pediatric care, if your child’s primary care physician is

not available Doctors can also diagnose, recommend and prescribe

medication for many of your non-emergent medical issues

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TeleHealth – How it works 24/7/365 access to consultations anywhere through

online video, phone or secure email Staffed by Board Certified Physicians Preregistration on plan website is recommended

– Health Net – MDLive– UC Care – Teledoc– Blue Shield Health Savings Plan – Teledoc– Core – Teledoc

See plan benefit summary for copay/coinsurance

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Dental Dental plans continue with no benefit changes

– Delta Dental PPO– DeltaCare USA (HMO)

Both plans continues to be fully paid by UC on behalf of employees

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Dental Plan ComparisonDelta Dental PPO Delta Care USA (HMO)

Worldwide Coverage California Service Area

Choose Delta PPO or non-Delta • Large network

Assigned to dental group• Small network in

Santa Barbara (4 groups)

Coinsurance 20% - 50% Copays - upgrades cost more

Maximum benefit up to $1700 No maximum benefit

Preventive care covered 100%

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Vision

Vision Services Plan (VSP)– No benefit changes – Plan continues to be fully paid by UC on behalf

of employees– Routine eye exams and eye wear; some

coverage for contact lenses

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Other PlansHealth FSA

Dependent Care FSALegal

Flexible Spending Accounts (FSA)

• Make monthly payroll contribution with pre-tax earnings

• Submit claims for reimbursement or use Health Spending Card

• Must enroll or reenroll during Open Enrollment

• Blue Shield HSP members may not enroll in Health FSA

Save taxes on eligible expenses

Health FSA

medical, dental, vision, prescription drugs, etc

Dependent Care FSA

child careadult day care

CONEXIS http://UC.conexisfsa.com 1-800-482-4120

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Health Flexible Spending Account (FSA) 2016 maximum annual contribution will be $2,550

– Minimum annual contribution is $180 Effective in 2015, new carryover rule – NO grace period

– All 2015 expenses must be incurred by Dec 31, 2015– You may carry-over $500 of unused funds into 2016,

even if you don’t reenroll for 2016– Unused funds greater than $500 will be forfeited– You will have access to the carryover funds in May 2016,

after run-out period to process all 2015 claims

Health Flexible Spending Account (FSA)

Dec 31 2015

April 152016

May 2016

Plan year

Deadline to submit 2015 claims

Jan 2015

Deadline to incur 2015 expenses

End of runout periodCan access 2015

carryover $

Each year $500 can be carried over, indefinitely

Can continue to use debit card, even if not enrolled in 2016

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Dependent Care Flexible Spending Account 2016 maximum annual contribution will be $5,000

– $2500 if married filing a separate tax return– If spouse is also eligible to make contributions,

combined amount should not exceed annual maximum – Minimum annual contribution is $180

You may incur expenses during plan year and grace period in the following year

Submit claims by April 15 of the following year Any money left in account will be forfeited

Dependent Care Flexible Spending Account

Dec 312015

Mar 152016

April 152016

Plan year + grace period

Jan 2015

Deadline to incur 2015 plan expenses

Deadline to submit 2015 plan claims

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Legal - ARAG OPEN for new enrollments Slight changes to benefits which result in fewer

limitations and higher benefit maximums for certain services - strengthening benefits overall – Example: Limitation of one claim per benefit year per

family unit is being eliminated Premium remains the same

Legal – ARAG Identity Theft Protection

REMINDER - Benefits added in 2015 include:- Full service identity restoration

- Identity Theft Insurance up to $1million

- Lost wallet services

- Credit monitoring service, internet surveillance of personal information and child identity monitoring (register on website)

- Powered by CSID, leader of global enterprise level identity protection and fraud detection solutions.

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Other Insurance These plans are not part of Open Enrollment Employees may apply to enroll or change coverage

levels in these plans at any time. They may be required to submit a Statement of

Health.

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DisabilityUC-Paid Short-Term DisabilitySupplemental Short- and Long-Term Disability

Not an Open Enrollment Action No benefit changes for 2016 to either plan UC continues to provide limited STD plan at no cost to

employees Supplemental coverage cost to employees remains

the same in 2016 Liberty Mutual continues as the disability partner

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LifeBasic and Core LifeEmployee Supplemental LifeDependent Basic and Expanded Life

Not an Open Enrollment action No benefit or premium changes to the plans in 2016 Prudential continues as the carrier

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Personal Accident Insurance (AD&D) Not an Open Enrollment action No benefit changes Premium remains the same AIG continues as carrier

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Administrative News New Benefits Eligibility Rules

SECOVA Family Member Eligibility VerificationNew Employee Benefits Webinars

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NEW Benefits Eligibility Rules in 2016 New rules to comply with Affordable Care Act (ACA) Continuing “Group A”

– Our current population of employee that are eligible for Full, Mid-Level and Core. (BELI 1-4)

Introducing “Group B”– A new population of employees eligible for Core

Benefits (BELI 4). Example: Students, Grad Student, employees paid under a flat rate amount arrangement such as BYA, SST or SSC.

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Concepts used to determine benefits The determination of continuing or loss of eligibility is

based on a calculation of hours worked during a 12-month “look-back” measurement period.

Measurement periods are:– November 1 to October 31 for monthly paid

employees – November 9 to November 7 for bi-weekly paid

employees First measurement period started November 2014.

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“Default” benefit coverage ends in 2016 As of January 1, 2016 there will be no more default or

automatic coverage Employees must take a positive action to be enrolled

– Applies to all levels of benefits- BELI 1-4

More information and training coming soon!http://www.hr.ucsb.edu/benefits/welcome

Family Member Eligibility Verification Employees adding a new family member during Open

Enrollment will receive a notice from SECOVA in January. Employees who add new family members to their health

plans are required to participate in the Family Member Eligibility Verification (FMEV) program.

SECOVA asks for documentation to verify that the family member satisfies the UC eligibility criteria.

See UCnet for more information:– UC Group Insurance Eligibility Factsheet

– Family Member Eligibility Verification Process

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New Employee Benefits Orientation Systemwide workgroup developing orientation to be

delivered via live webinars Shared system-wide webinar would be:

–Consistent –Efficient –Knowledgeable –Relevant –Convenient

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NEBO DesignDelivery channel

Different options for different learners live webinar on-demand videos possible weekly chat opportunity

Audience/Frequency

Weekly for full benefits eligibility Monthly for Safe Harbor, Faculty and

Spanish speakers

Length Webinar content w/ questions to 1 ½ hrsHosts/Facilitators UCPath hosts with support from RASCContent High level benefits descriptions, eligibility,

process, guides to resources

Collateral Materials Welcome Kits provided in advance

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Retirement Resources RASC

Online ToolsLocal Workshops

Fidelity Retirement Services

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Retirement Resources & Partners Retirement Administration Service Center (RASC)

– Answers questions about pension and health benefits– Processes retirements– Contact via Online form on UCnet or 1-800-888-8267

UCnet – Preparing for Retirement Roadmap AYSO – Interactive Retirement Estimator UC Focus on Your Future web – Retirement Roadmap UCSB Benefits Workshops

– UC Retirement System – Tier 1976– Retirement Readiness Workshop– Retiree Health – Planning for Retirement

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Retirement Resources & Partners Fidelity Retirement Services

– Retirement Savings Programso403b, 457b, DCP

– Local workshop schedule on UCfocusonyourfuture.com – One-on-One consultations – Department meetings– Cesar Cap, UCSB Rep: cesar.cap@fmr.com– Customer Service: 1-866-682-7787

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myUCretirement.comcoming February 2016

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