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2015 Open Enrollment - TWU 264

2015 Benefits Open Enrollment

 

Please review the enclosed information, and select the benefits most appropriate for you.  Changes made during the 2015 Open Enrollment period become effective January 1, 2015.  You must submit your online enrollment no later than November 21st, 2014. Failure to meet this deadline will result in a default to your current elections for 2014, with the exception of your Flexible Spending Account (FSA).  You can access the enrollment portal at https://portal.adp.com

HEALTH CARE OPTIONS

HIP/Emblem Health

Primary Care co‐pay

$25.00

Specialty Care co‐pay

$25.00

Emergency Room visit

$75.00 (waived if admitted)

Pharmacy RX

$15.00, $25.00, $40.00

Complete HIP plan information is available in the Office of Human Resources.

OXFORD FREEDOM PLAN A

The Oxford Freedom Plan A is a Point‐of‐Service plan that provides medical benefits in one of two ways, depending on where and from whom the covered employee seeks services.  On the one hand, the Freedom Plan can function as an HMO that provides 100% coverage less a modest co‐payment for some services such as prescriptions and office visits. Since care under this option is provided by Oxford’s extensive network of physicians, there are no deductibles nor are there any claim forms. This is considered an “in‐network” service.

On the other hand, the Freedom Plan can function as traditional indemnity insurance, allowing the participants to use doctors of their own choosing with reimbursement subject to the usual controls such as annual deductibles and reasonable and customary limitations. The claimant must complete claim forms. This is considered an “out‐of‐network” service.

Please note the following:

  • No change to coverage, which remains at current levels.  Benefits for network and non-network visits, and deductibles remain unchanged.
  • Referrals are NO LONGER required for medical specialists.  You may visit specialists as needed.
  • New employee contribution rates.  Please review Open Enrollment information.

Important Information about Dependent Children Coverage

HIP/Emblem Health

  • Dependent children are covered under HIP through the end of the month in which they reach age 19.
  • Dependent students are covered through the end of the year in which they reach age 26.

Oxford Freedom Plan A

  • Dependent children are covered through the end of the year in which they reach age 26.

Under certain circumstances children may be continued as dependents under the plan beyond age 19 or 26. Children must reside in New York State, must be unmarried, under age 30, and must be ineligible for other coverage. In such cases you must pay the full, taxable amount of this coverage. (HIP $714.28/month; Oxford A $814.56/month).

If your child is no longer eligible for coverage under the plan, your child has the right to continuation coverage under COBRA.

EMPLOYEE CONTRIBUTIONS

HIP/Emblem Health

In accordance with the College’s agreement with TWU, employees hired prior to May 1, 2012 will not be required to make contributions for HIP coverage. Employees hired on or after May 1, 2012 may choose the HIP Plan with weekly payroll deductions as noted below.  Contributions you make toward your insurance will be deducted from your pay, pre‐tax, on a weekly basis.

Employee Weekly Contributions

Effective January 1, 2015

Contributions required only for employees hired on or after May 1, 2012

Individual

$5.77

Employee + 1

$11.54

Family

$23.08

Oxford Freedom Plan A

Employees wishing to choose Oxford Freedom Plan A coverage may do so with weekly payroll deductions as noted below. Contributions you make toward your insurance will be deducted from your pay, pre‐tax, on a weekly basis.

Employee Weekly Contributions*

Effective January 1, 2015

Coverage Level

Hired Before 05/01/2012

Hired on or after 05/01/2012

Individual

$23.14

$28.91

Employee + 1

$61.80

$73.34

Family

$88.52

$111.60

*As of October 27, 2014, these rates have not been finalized.  Any changes to above employee contributions will be communicated to you.

Waiver of Coverage

In accordance with the College’s agreement with TWU:

If you waive coverage you will receive a monthly payment of $150.00. In order to be eligible for this payment, you must submit satisfactory proof of coverage under another health insurance plan annually. If you waive coverage you may terminate the waiver and elect coverage if there isa change in your spouse’s employment status that result in the loss of coverage. This waiver of coverage payment is not available to employees where both the employee and his/her spouse work for Barnard College.

The deadline for submitting online enrollment changes and waivers is November 21, 2014. All changes will become effective January 1, 2015.

GHI/Emblem Dental Care

The deadline for submitting enrollment changes and waivers is November 21, 2014. All changes will become effective January 1, 2015.

During the Open Enrollment period, you can make certain changes to your dental coverage, like add eligible dependents, or waive coverage based on certain requirements.  Open enrollment is the only time you may add eligible dependents, other than within 31 days following the birth or adoption of a child, or marriage.

Dependent Children Coverage:

  • Dependent children are covered under the plan through the end of the year in which they reach the age of 19.

Accordingly, weekly monthly employee contributions will remain as follows:

Individual

$4.14

Family

$15.81

Vision Plan

The Vision Plan, through EyeMed, provides coverage for your eye care needs including eye exams, Retinal Imaging, an allowance for frames, 100% coverage for eyeglass lenses, and an allowance for contacts.  The Vision Plan covers eye exams once per year at 100% with no co-pay; up to 100% for eyeglasses or contact lenses once a year.  Non-network coverage is available on a limited basis. 

Vision Plan Cost

The 2015 employee monthly contributions are as follows:

Employee Only

$9.95

Employee + 1

$18.91

Employee + Family

$27.77

Enrollment

To participate in the Vision Plan, please complete your enrollment online by indicating your selection for the Vision Plan.  To enroll an eligible dependent, please enter your dependent’s information in the Health & Welfare enrollment system.  Your online enrollment must be submitted no later than Friday, November 21, 2014.

If you do not wish to participate in the Vision Plan, please indicate “Waive” in the Vision Plan enrollment section of the online enrollment system. 

Flexible Spending Accounts

The Barnard College Health Care Spending Account is a benefit program which enables you to reduce taxes by paying for your unreimbursed health care expenses with pre‐tax income.  In order to participate for the 2015 calendar year, you must submit your online enrollment no later than November 21, 2014.

Annual Maximums:

Annual maximums are set up by the IRS.  For 2015, the following maximums apply:         

Health Care Flexible Spending Account

$2,500 per individual

In order to participate for the 2015 calendar year, you must submit your online enrollment by the deadline, Friday November 21, 2014.

Last year on October 31, 2013, the IRS announced a major policy change affecting the Healthcare FSA.  The IRS has modified the “use-it-or-lose-it” provision and now allows plan participants to roll over up to $500 of unused funds.   As a result of this change, balances up to a maximum of $500 in unused funds will automatically be rolled over in the next plan year.  For example, if you roll over $500 from 2014 and contribute $2,500 in 2015, then $3,000 of pre-tax funds will be available for eligible medical expenses.  Such expenses must be incurred during the calendar year in which they are carried over.  Participants must be active in the FSA on the last day of the calendar year for the funds to be rolled over into the next calendar year.   This policy change only affects the Healthcare FSA.

 

Once the plan year begins, you may change the amount of your Flexible Spending Account contributions if there is a change in your family status, e.g., marriage, death, divorce, birth or adoption of a child, or a change in a spouse’s employment status.  This change must occur within 31 days of the qualifying event.  Otherwise, your election may not be changed during the year.

 

Employee Assistance Program

We encourage your participation in this program and take advantage of the available resources provided.  The Employee Assistance Program provides short term counseling for your and your family, Work/Life Services, Legal and Financial Services. 

You are automatically enrolled and can access the EAP any time.  Your enrollment is at no cost.  Enclosed is a flyer that provides additional information on this program.