1. 2019 Open Enrollment Presentation
October 15, 2018
Change date and year

2. Benefit Program “Guiding Principles”
To promote the physical, behavioral, and spiritual health of our faculty, staff and their families by offering competitive benefits.
To provide an appropriate level of choice to meet different life stage needs at a reasonable cost for the College, its faculty and staff.
To ensure the sustainability of our benefit programs by managing the cost of our benefit plans in a fiscally responsible way.
To communicate the College’s benefits effectively, so that faculty and staff understand their choices and the value of the benefits that we provide.
Changed to match the Enrollment Brochure

3. Holy Cross’ plans continue to be very competitive when compared to peers…
Institutions Benchmarked
Amherst College
Northeastern University
Bentley University
Simmons College
Berklee College of Music
Smith College
Boston College
Stonehill College
Boston University
Suffolk University
Brandeis University
Tufts University
Clark University
Wellesley College
College of the Holy Cross
Wentworth Institute of Technology
Emerson College
Western New England College
Harvard University
Wheaton College
Lasell College
Williams College
MA Institute for Technology
Worcester Polytechnic Institute
Mount Holyoke College
We may not need to list all colleges – could be just first rank of peers

4. How do our medical plans stack up?
Average Monthly Employee Contribution % (Composite)
UPDATE
Holy Cross 2018 overall % compared with 2018 benchmarks.

5. How do our medical plans stack up?
Average Monthly Employee Contribution $ (Individual)
UPDATE
Holy Cross 2018 rates compared with 2018 benchmarks.

6. How do our medical plans stack up?
Average Monthly Employee Contribution $ (Family)
UPDATE
Holy Cross 2018 rates compared with 2018 benchmarks.

7. What’s New For 2019… Medical Benefit Updates Dental Benefit Updates
Þ No plan design changes—Carriers and benefit levels remain as is.
Þ Cost sharing remains the same—The College will continue to contribute 86% of the Fallon Direct Traditional HMO and 96% of the Fallon Direct Best Value Plan.
Þ Almost 60% of employees should experience a modest decrease in their per pay period contributions.
Dental Benefit Updates
Þ Preventive cleanings: Increased coverage to 3 times per year (once every 4 months).
Þ Increased Orthodontia Lifetime Maximum: Overall maximum benefit is now $2,000 (double the current maximum)!
Þ No change in dental contributions.

8. 2019 Plan Options New plan design changes
This is a brief summary of benefits. If there are any discrepancies between this and the Fallon/HPHC certificate, the Fallon/ HPHC certificates will always take precedence.
1Individual Embedded Deductible: An individual in a family will not pay more than $2,700 in deductible.
2All Members in a Family must meet the full $3,000 Deductible before plan pays
3 Out of Network Services subject to $500/ $1,000 Deductible then 20% coinsurance

9. 2019 Medical Costs by Plan College pays the same for HDHP plan options
(96% of Direct Care HDHP)
College pays the same for Traditional plan options
(86% of Direct Care HMO)
New rates

10. Facts about the “Best Value” HDHP Plan & HSA
These plans provide a great opportunity for you to save money…
Contributions are much lower – same Direct and Select networks
Fallon “Best Value” HDHP is paired with a Fidelity Health Savings Account (HSA)
A great option for participants looking to maximize tax advantaged savings
It’s your account – goes with you when you leave or change plans (portable)
Any remaining balance carries over to next year; no “Use it or Lose it”
Can provide additional benefits in retirement; save and invest for the future!
New calculations to include 4 tier (may need 2 slides)
Refer to My 2019 Benefit Guide page 11 for additional details.

11. “Best Value” HDHP Options Contributions & Savings

12. Health Savings Account (HSA): Contribution Limits
Maximum contribution limits in 2019
$3,500 individual / $7,000 family (all tiers)
IRS annual maximums have increased each year and expected to continue
Catch up contribution of $1,000 permitted for those age 55+
Annual maximum includes employer and employee contributions
College contributes $500 for single individuals and $1,000 for families (all tiers) each year in January

13. Enhanced Dental Benefit
Begins January 1, 2019
Dental Benefit Summary
Effective 1/1/2019
Calendar Year Deductible:
Calendar Year Maximum Benefit:
Orthodontic Lifetime Maximum:
Services
Type 1— Diagnostic & Preventive:
Type 2—Basic:
Type 3—Major:
Type 4—Orthodontic (any age):
Delta Dental of Massachusetts
$50 per person/ $150 per family (waived for Type 1)
$2,000 per person
$2,000 per person (increased from $1,000)
100% - now 3 cleanings / year! (once per 4 months)
80%, after deductible
50%, after deductible

14. Employee Assistance Program (EAP)
Remember the College provides this benefit at no cost to all employees and household members
Services
Behavioral and Mental Health Consulting
Financial Consultation
Parenting Resources
Work-Life Balance Research/Referrals
Eldercare Resources
Legal Assistance
Nutrition Consultation
Manager Consultations
Career Assessment
Crisis Response
Need to Know
KGA services are confidential! KGA does not share with the College who has called or what they called about.
KGA counselors are licensed, skilled professionals.
KGA is an active participant in the Worksite Wellness programming.
How do you
Contact the EAP?
Toll Free:
Website:
Access: 24 hours a day/seven days a week

15. Things to Remember… Fallon Networks:
Direct Care Network has evolved to over 26,000 providers - Check to see if your current physician(s) are contracted on
Select Care Network is the broader network of facilities and providers including all direct care providers and many of the major Boston tertiary hospitals/physicians.
If in a traditional HMO/PPO, submit your MERP claims for any in-network hospital and/or outpatient surgery copays that you have paid.
Send a completed MERP claim form and a copy of your Explanation of Benefits to Sullivan Benefits for reimbursement.
If enrolled in a Flexible Spending Account (FSA) - Heath Care and/or Dependent Care, be sure to submit your claims for reimbursement “Use it or Lose it”.
You must elect your voluntary contributions for the Flexible Spending Account (FSA) or Health Savings Account (HSA)

16. Things to Remember…
If you want to add a dependent to your medical, dental or vision benefit coverage send an to: with their full name, gender, date of birth and relationship to you.
Review your Life Insurance Beneficiary Information - if you want to add any new beneficiaries send an to the same address above with the same information

17. How to Enroll - PeopleSoft
Where do I find PeopleSoft Self-Service?
Log In Information:
· Go to
· Input Network Username and Passphrase; Log-in
· Click on “Faculty & Staff”
· Go to Main Menu, down to My Self-Service,
· Go to left hand column of the page and scroll down to “Employee Resources”.
· Then select “Benefits”
· And find Human Resources (HR) Self-Service; click link.
· Scroll down to click on “My Open Enrollment”
HR has scheduled various department meetings to present the 2019 changes and provide enrollment assistance
Watch for the scheduled dates and times in the weekly HR Updates

18. Session times to be published each week in our HR Update
Want to Learn About the Unique Triple Tax Advantages of a Health Savings Accounts (HSA)
Attend a “Best Value” plan presentation scheduled every Tuesday throughout the open enrollment period in Hogan 519
Session times to be published each week in our HR Update