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2014 Open Enrollment - TWU 264

2014 Benefits Open Enrollment Instructions

 

We are pleased to announce our Benefits Open Enrollment period for the 2014 plan year.  Beginning November 18, 2013 through December 9, 2013, you will have an opportunity to enroll or make changes to your existing enrollment in the Barnard Benefits Program.

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.

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 $655.30/month; Oxford A $802.52/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, 2014

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

Individual

$5.77

Employee + 1

$11.54

Family

$23.08

*As of November 19, 2013, these rates have not been finalized.  Any changes to above employee contributions will be communicated to you.

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, 2014

Coverage Level

Hired Before 05/01/2012

Hired on or after 05/01/2012

Individual

$14.92

$20.70

Employee + 1

$45.28

$56.82

Family

$46.47

$69.55

*As of November 19, 2013, 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 is a 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 enrollment changes, waivers and dependent information forms is December 9, 2013. All changes will become effective January 1, 2014.

GHI/Emblem Dental Care

The deadline for submitting enrollment changes and waivers is December 9, 2013. All changes will become effective January 1, 2014.

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

* As of November 19, 2013, these rates have not been finalized.  Any changes to above employee contributions will be communicated to you.

Vision Plan

New for 2014, is the Vision Care Plan provided through EyeMed.  The Vision Plan 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 2014 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 the enrollment form indicating your selection for the Vision Plan.  To enroll an eligible dependent, please provide your dependent’s information in the space provided on the enrollment form.  Forms are due in the Office of Human Resources by Monday, December 9, 2013.

If you do not wish to participate in the Vision Plan, it will not be necessary to return the enrollment form as your election will default to “no Vision coverage”. 

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 2014 calendar year, you must complete and return your enrollment form no later than December 9, 2013.

Annual Maximums:

Annual maximums are set up by the IRS.  For 2014, the following maximums apply:

Health Care Flexible Spending Account

$2,500 per individual

In order to participate for the 2014 calendar year, you must complete and return your election form by the deadline, Monday, December 9, 2013.

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 2013 and contribute $2,500 in 2014, 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 are pleased to announce our new Employee Assistance Program through Harris Rothenberg International Inc.  We encourage your participation in this program and take advantage of the available resources provided.  This program is available to you at no cost.  Enclosed is a flyer that provides additional information on this program.