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Our Beliefs Respect Collaboration Excellence Integrity Community Destination: 2013 Enrollment.

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Presentation on theme: "Our Beliefs Respect Collaboration Excellence Integrity Community Destination: 2013 Enrollment."— Presentation transcript:

1 Our Beliefs Respect Collaboration Excellence Integrity Community Destination: 2013 Enrollment

2 The Road to Enrollment Your Roadmap for Whats New for 2013 Your Benefit Options for 2013 Navigating Open Enrollment Questions? 2

3 Whats New for 2013? CIGNA Healthcare Changes New Plan Option: CIGNA PPO Healthcare Plan CIGNA Premium Discount and Wellness Incentive opportunities Addition of CIGNA Personal Health Team Services Teamsters BlueShield Changes Premium Increase Plan Design Changes New Optional Long Term Disability Plan (LTD70) 3

4 Shift into Gear: Your Personal Health Team Your CIGNA Personal Health Team Employees and covered family members enrolled in CIGNA healthcare plans are eligible Employees enrolled in non-CIGNA plans will have access to EAP services only Team of health specialists including nurses, dieticians, clinicians and counselors Ready to work with you, learn about your needs and help you find solutions. All services are optional Protecting Your Privacy Your interactions with your PHT are confidential!

5 How a Health Advocate Can Help Explain the preventive care benefit and the screenings that are appropriate for you Provide unbiased advice on treatment options Discuss your CIGNA HRQ results and action steps Support changing unhealthy habits: Tobacco, Stress & Weight Help you better manage chronic conditions Support for mental health issues, substance abuse & emotional crisis Provide referrals to counseling and community services Provide educational materials, reminders of important tests/exams, self-care information

6 Ithaca On-Site Wellness Clinic 6 For All Employees

7 Ithacas Annual Fitness Membership Reimbursement Program Ithaca Wellness Program offers Employee Fitness Reimbursement: 50% of gym fee up to a maximum of $200 per calendar year. All full-time employees are eligible to participate regardless of healthcare plan Reimbursement requires evidence of an annual wellness exam at our On-Site Wellness Clinic as part of our Wellness Program (voucher issued by clinic). If wellness exam is completed with employees primary care physician, proof is required such as an insurance claim/explanation of benefits from the visit Copy of a paid receipt from the fitness facility is required to process reimbursement. Join an area fitness club and pay their membership fee Schedule your annual wellness exam at our on-site clinic or with your own PCP Bring a copy of your paid receipt & proof of wellness exam to the HR Office

8 Additional Points of Interest 2013 Medical Plan Options 8

9 A Look at the Medical Plans for In-Network Benefits CIGNA Choice Health Fund CIGNA PPO Teamsters BlueShield PPO Deductible$1,500 or $3,000$200 or $400None BW Funded HRA$750 or $1,500No HRA Preventive – Adult100% $20 Co-pay Preventive – Child100% Co-insurance pays80%90%95% Co-pay - PCPNo Co-pays$20 Co-Pay - SpecialistNo Co-Pays$40$20 ER Per Visit80%$100 Urgent Care Per Visit80%$50$35 Out-Pocket Max$3,000 - $6,000 $1,000 - $3,000

10 CIGNA Choice Health Fund (HRA) In-Network Deductible $1,500 single $3,000 family HRA Fund $750 single $1,500 family Co-Insurance 80% company paid Stop-Loss (co-insurance only) $3,000 single $6,000 family Preventive Services Covered at 100% by BorgWarner with no deductible Out-of-Network Deductible $3,000 single $6,000 family HRA Fund Same as In-Network Fund Co-Insurance 60% company paid Stop-Loss $6,000 single $12,000 family Recap

11 How the CIGNA HRA Plan Works 11 In-network preventive care covered at 100% without deductible For medical and prescription expenses only. Cannot be used for dental or vision expenses. Includes member deductible gap Recap

12 CIGNA CHF Prescription Drug Plan In-Network Benefit Retail (30-day supply) Mail Order (90-day supply) Generic$8$16 Brand Formulary$8 + 30%30% up to $150 per Rx Brand Non-Formulary$8 + 50%50% Specialty RX Formulary 30% up to $50 per Rx for initial supply only 30% up to $150 per Rx Specialty Rx Non-Formulary 50% up to $100 per Rx for initial supply only 50% up to $300 per Rx Recap

13 In-Network Deductible $200 single $400 family Co-Pays $20 Primary Care Office Visit $40 Specialist Office Visit $50 Urgent Care $100 Emergency Room Co-Insurance 90% after deductible for services such as hospitalization, x-rays, MRIs, etc Stop-Loss (co-insurance only) $3,000 single $6,000 family Preventive Services Covered at 100% by BorgWarner with no deductible Out-of-Network Deductible $400 single $800 family Co-Insurance 80% after deductible Stop-Loss $ 6,000 single $12,000 family Preventive Services Covered at 60% by BorgWarner after the deductible CIGNA PPO Medical Plan for 2013

14 CIGNA PPO Prescription Drug Plan In-Network Benefit Retail (30-day supply) Mail Order (90-day supply) Generic$10$16 Brand Formulary$3030% up to $150 per Rx Brand Non-Formulary$5050% Specialty RX Formulary Covered through Mail Order $100 for a 30 day supply Specialty Rx Non-Formulary Covered through Mail Order $100 for a 30 day supply

15 Teamsters BlueShield PPO In-Network Deductible $0 single $0 family Co-Pays $20 Office Visit $35 Urgent Care $100 Emergency Room Co-Insurance 95% with no deductible for services such as hospitalization, x-rays, MRIs, etc Stop-Loss $1,000 single $3,000 family Preventive Services $20 Co-pay applies Out-of-Network Deductible $250 single $500 family Co-Insurance 70% after deductible Stop-Loss $2,500 single $5,000 family Preventive Services Not covered Update

16 Teamsters Prescription Drug Plan Recap Optum Rx (formerly Prescription Solutions) Provides prescription coverage for BlueShield plan Separate Card Needed Do not use the BlueShield card or phone number on back of card If you do not receive separate card, call the Teamsters Health & Welfare Office Mandatory mail-order for long-term prescriptions On-going prescriptions for conditions such as blood pressure and cholesterol were converted to mail-order in 2011 New prescriptions for these types of medications may be filled one time at retail pharmacy and then must be converted to mail-order In-Network Benefit Retail (30-day supply) Mail Order (90-day supply) Generic$10$20 Brand Formulary$20$40 Brand Non-Formulary$50$100

17 Additional Points of Interest 2013 Health Plan Rates, CIGNA Premium Discounts, & Wellness Incentives 17

18 2013 Health Plan Monthly Premiums 18 Monthly Health Plan Premiums and Discounts (premium discounts apply to CIGNA healthcare plans only) $100 Discount $50 Discount$0 Discount Medical PlanTWO DiscountsONE DiscountNO Discounts CIGNA CHF Employee Family $0 $50 $100 CIGNA PPO Employee Employee +1 Family $84 $166 $221 $134 $216 $271 $184 $266 $321 Teamster PPO Employee Employee +1 Family N/A $131 $235 $323

19 Health Risk Questionnaire (HRQ) Each year you will have the opportunity to complete a HRQ to earn a $50/month Premium Discount (CIGNA only) The HRQ is a series of questions to help you to assess your current health issues/risks. Once complete, you receive a final report to use with recommendations of ways to improve areas that have been identified as potential issues or risks HRQ can be taken from any computer with internet access On-Site help is available if you need it Your personal health information and individual HRQ Score are NOT shared with BorgWarner BorgWarner will only receive confirmation of your completed HRQ so we can give you credit for the discount 19

20 20 Tobacco Cessation Pledge Each year you will be given the opportunity to take a Tobacco Cessation Pledge to earn a $50/month Premium Discount (CIGNA only) There are two options that you can elect to earn the Premium Discount: Non-Tobacco User: pledge to remain tobacco free during the year. Tobacco User: pledge to complete one of the Tobacco Cessation Programs offered: The Program that you select must be completed Feb 28 of the following year; If not completed the discount will be forfeited on April 1

21 Enrollment Form 21 Discount 1: Online HRQ Discount 2: Tobacco Select Your Plan for 2013

22 Accessing the CIGNA On-Line HRQ 22 How to Access CIGNA On-Line HRQ:

23 23 Cholesterol & Blood Pressure Screening - and On-Line HRQ Help Available! Lorna Colburn RN will be available for Cholesterol and Blood Pressure Screenings - free to employees. Help will also be available if you need to complete the online HRQ for your insurance premium discount for 2013! Location: TC Cafeteria Thursday, Nov 1, 2012: 6 am to 4 pm Wednesday, Nov 7, 2012: 7 am to 4 pm Location: ETC Heat Treat Conf Room Friday, Nov 2, 2012: 6 am to 4 pm Location: ETC Cafeteria Tuesday, Nov 6, 2012: 7 am to 4 pm Cant make one of these dates? Call the Wellness Clinic x5018

24 Tobacco Cessation Program Options 24 How to Access CIGNA Quit Today: Call Your CIGNA Health Advocate at OR Wellness Program sponsored on-site support classes: call Specialist from Cayuga Medical Center will be on-site conducting support classes.

25 Telephonic Tobacco Cessation Support CIGNA Quit Today Program 6-week program Coaching provided via phone Program includes: Toolkits Free Nicotine replacements – OTC patch/gum Develop a personalized quit plan Support line 7 days a week, 24 hours a day Follow-up and long term support post-completion Program may be completed on your schedule

26 26 On-Site Tobacco Cessation Support

27 CIGNA CHF/PPO Wellness Incentives Program CIGNA CHF Annual Incentives * CIGNA PPO Annual Incentives * You and/or your spouse participates in a CIGNA disease management program (Asthma, Coronary Artery Disease, COPD, Diabetes, Depression, Heart Disease, Low Back Pain and more) $200 credit in HRA $200 taxable Gift Card Spouse completion of the online myCigna.com HRQ$50 credit in HRA$50 taxable Gift Card Spouse graduation from the CIGNA Tobacco Cessation Program$50 credit in HRA$50 taxable Gift Card Employee and/or spouse graduation from the CIGNA Stress Management Program$50 credit in HRA$50 taxable Gift Card Employee and/or spouse graduation from the CIGNA Weight Management Program$50 credit in HRA$50 taxable Gift Card an employee or spouse can earn a maximum of $200 annually

28 Additional Points of Interest Other 2013 Benefits: Dental/Vision FSA Life Disability 28

29 Dental/Vision – Combined Benefit Dental Checkups Fillings Braces Go to to print a temporary card (or use your CIGNA Health Card if enrolled) Vision Eye exams Glasses or contacts Go to then click on CIGNA Vision for vision directory 2012 Monthly Cost ShareDental/ Vision Employee Only$12 Employee +1$25 Family$25 29

30 Flexible Spending Accounts Health Care FSA or Dependent Care FSA Employee-funded with pre-tax dollars You make tax-free contributions and you get tax-free reimbursements Health Care FSA: Full amount available January 1 for HC FSA Use to fund your member deductible gap Use after the HRA fund Federal rule says year-end balance forfeited if not used by Mar 15, 2013 Have until Mar 31, 2013 to submit claims Dependent Care FSA forfeits if not used by Dec 31, 2012 You must enroll every year 30

31 Reduced Health Care FSA annual contribution maximum From $5,000 to $2,500 per employee Limit is per person you and your spouse can each contribute to an employee sponsored plan for a total max of $5,000 Consider this when planning how to cover your HRA deductible gap and out-of-pocket maximums 31 Health Care Reform Changes - FSA

32 Benefits Paid by BorgWarner Basic Life Provided directly through MetLife Provides financial protection for your survivors in event of your death while employed at BorgWarner Benefit is equal to 1X your annual base pay as of January each year 32 Make sure your life insurance will be handled the way YOU want by designating your beneficiary! To designate or change your beneficiary for any of your life insurance policies call MetLife Directly at or visit their website online at: Designate Your Beneficiary! Recap

33 Optional Life Insurance Employee contributes to cost Offered directly through MetLife Coverage options include: Employee Life: 1 times annual base pay up to 8 times base pay Spouse Optional Life: $5,000/$10,000/$25,000/$50,000/$150,000/$250,000 Child Dependent Life: $5,000/$10,000/$15,000/$20,000 No guaranteed coverage during open enrollment Apply for coverage changes at any time during the year subject to Evidence of Insurability (EOI) 33

34 Special Optional Life Enrollment For Optional Life & Dependent Optional Life Open to all current active BW employees with min 60 days of service Enroll for the first time or increase current coverage (if already enrolled) at any level without usually required Evidence of Insurability 5 simple medical questions instead Nov. 24, Dec. 14, 2012 Effective Coverage Date: January 1, 2013 Look for more information soon! 34

35 DISABILITY/FMLA Short-Term Disability (STD) begins after youve been absent from work for seven days for a non-work related illness or injury. It pays a portion of your current earnings as outlined in your union contract while you are disabled. Family Medical Leave Act (FMLA) is a federal law that entitles eligible employees to take unpaid, job-protected leave for specified family and medical reasons. Specific eligibility requirements and rules of use apply. Long-Term Disability (LTD) begins after youve been disabled for more than six months and meet the insurers definition of disabled. It pays a portion of your current salary up to $5,000 per month* until you reach normal retirement age. * Long-term disability benefits will be reduced by the amount of other income you may receive such as Social Security or workers compensation. Coverage begins after 1 year of service. Disability benefits provide your family with a source of income if you are unable to work due to a non-work-related illness or injury. The company provides these benefits for you and there is no need to enroll. See your current union contract for eligibility requirements, waiting periods, and payment details. Call CIGNA to apply when you need to use the benefit Contact HR for a packet that explains the process for both STD and FML Recap

36 36 Long-Term Disability Options DesignBasic Plan 60% Coverage Buy-Up Pan 70% Coverage Benefit Level60% of annual earnings70% of annual earnings (including average of past three years of bonus pay) Taxation of LTD Benefit 100% taxableOnly the portion of the benefit BW pays for is taxable MINIMIZES YOUR TAX BURDEN Income Replacement LowerHigher PremiumBW PaidEmployee Paid Rates for each employee are on the enrollment form that was mailed as part of the enrollment packet. Individual letters have also been sent.

37 37 LTD70 Example Tax AdvantageLTD 60% BW Base Plan LTD 70% Buy Up Plan Joes Monthly Cost$0$17.62 Total Benefit Available$2,250$2,693 Taxable Portion of Benefit $2,250$778 (28.9% of $2,693) 25% Tax Bracket-$563-$195 Monthly Benefit After Taxes $1,688$2,498 Income Replaced45%65% Joe earns $45,000 (avg. bonus over last 3 years $1,167)

38 Enrollment Form 38 Disability: New Election

39 Additional Points of Interest Navigating Enrollment 39

40 40 Navigating Open Enrollment Check out Page 5 of your Enrollment Guide for Roadside Assistance

41 Dependent Coverage Rules Your children may be enrolled in medical and dental/vision plans up to age 26, regardless of whether the child is living at home, is listed as a dependent on your tax return, is a student or is married. 41 Reminder A child is defined as: Biological child; Legally adopted child or a child who has been placed with you for adoption; Stepchildren (Restrictions may apply); Court-appointed child for whom you have full (not limited) legal guardianship; or A child for whom you are required to provide health care support under a Qualified Medical Child Support Order (QMCSO). Life Insurance eligibility for children is different Children may remain insured to age 19, or if full-time student, to age 25

42 If enrolling a spouse for the first time Provide a copy of your marriage license Include spouses full social security number and date of birth Working Spouse rules may apply If enrolling a child under age 26 for the first time Provide a copy of the childs birth certificate (or other legal documentation such as support order, adoption papers, etc) Include childs full social security number and date of birth Enrolling Dependents in the Plan What This Means to You/Action to Take Adding a dependent? Complete the Eligibility section of your form and provide appropriate documentation. 42 Reminder

43 Enrollment forms due in HR by November 16 Benefits take effect January 1, 2013 If enrolling spouses or dependents, make sure to include supporting documents with your form: a marriage license, birth certificate, or other legal documents as required If enrolling in CIGNA medical plans, complete the premium discount requirements: Online HRQ deadline: November 30, 2012 Smoking Cessation Program (if needed): February 28, 2013 Key Items to Remember 43

44 Your Destination: 2013 Enrollment Enroll by November 16 44


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