New Employee Orientation

Report
UCSB
Human Resources - Benefits
New Employee Orientation
Benefits Office Hours
8:00 - Noon & 1:00 - 4:00
893-2489
Overview
Eligibility
 Enrollment
 Health and Welfare Plans
 Retirement and Savings Plans


Welcome folder
Benefits Packages
Full Benefits
 Mid-Level
 Core


Special Groups
 UC Transfers
 Rehired Retirees
 Postdoctoral Scholars
A Complete Guide to Your UC Health Benefits,
pages 8 – 10
Eligible Family Members
 Legal spouse, same sex/opposite sex
domestic partner
 Child(ren) under 26
 Legal Ward(s) under 18
 Overage disabled child

A Complete Guide to Your UC Health
Benefits – page 11-12
Imputed Income
 Your taxable income may increase if you
enroll a same sex domestic partner not
declared as a dependent on your federal
taxes.
 Taxed on value of employer-paid medical

A Complete Guide to Your UC Health
Benefits – page 5
Your Responsibility
Check eligibility requirements before
enrolling a family member
 Family Member Eligibility Verification
 SECOVA will request documents to verify
eligibility within a 30-60 days
 You and your family members may be deenrolled if you fail to respond to Secova’s
request for documentation.

UCnet Benefits Video
The Benefits of Belonging
Life Events & Benefits
Add an eligible family member
 31 days to enroll
 Family member loses eligibility
 Notify Benefits Office to cancel coverage
 Family Changes Checklist

http://ucnet.universityofcalifornia.edu/forms/pdf/family-changes.pdf

A Complete Guide to Your UC Health
Benefits – page 6-7
When to Enroll
 Period
of Initial Eligibility (PIE)
 PIE is first 31 days of employment
 If you miss PIE, 90 day delay for
medical plan
 Open Enrollment Period
 Opportunity to change plans in
November
 Statement of Health
How To Enroll


UCnet
ucnet.universityofcalifornia.edu
At Your Service AYS Online
New Employees
Social Security #
Rehired Employees
Status/Appointment Change
Date of Birth

Your Benefits at a Glance
Username
Password
atyourserviceonline.ucop.edu/ayso
Click on
New to UC
atyourserviceonline.ucop.edu/ayso
Enter your
Date of Birth
as password
MMDDYYYY
More
information
Insurance Plan Websites



Find a doctor or participating provider
Summary of Benefits booklets
Prescription drug list
A Complete Guide to Your UC Health Benefits –
Contact information insert
Health Plans
Medical
 Dental
 Vision

Which medical plan is right for you?




Medical Plans
Summary of services
Cost of care
Monthly premiums
Union Members

Rates may be
different
What are your priorities?


Cost to enroll – monthly premium
Cost of care




Choice of providers



Predictable, low cost copays
Pay a % of each service
Worst case scenario – Out of pocket maximum
HMO medical group physicians
PPO preferred network or any provider
Effort to manage – coordinating care & bills
HMO – Health Maintenance
Organization

Predictable, low cost copay for services and drugs

Insurance plan delegates your care to a
“medical group”

Care is coordinated by Primary Care Physician
(PCP) and medical group

Emergency and urgently needed care when away
20
HMO Plans for 2014
 Health



Sansum Clinic or SB Select IPA
Regal in Ventura
Physician’s Choice in Santa Maria
 Kaiser

Net Blue & Gold HMO
HMO
closest facilities Ventura & Los Angeles County
Using the Health Net or Kaiser Plan
You select
Primary Care Physician
(PCP)
When you need care
go to your PCP
Copayments
Medical Services
Office visit: $20
Surgical Center $100
Inpatient Hospital: $250
Emergency Room: $75
PCP refers you to
specialist, x-ray, lab,
hospital
HMO Limitations

Coverage area is local

Live or work within 30-miles of provider

Must use Primary Care Physician and specialists in
your assigned medical group

If away from your medical group, plan will only cover
health threatening emergencies
PPO – Preferred Provider Organization

You direct your own care, you decide where to
receive services

You pay annual deductibles before plan pays

After deductible, you share the cost of each
service with the plan - coinsurance

Your costs are lower if you select preferred
providers

“Out-of-pocket Maximum” limits your financial
liability
25
PPO Plans for 2014



UC Care
Blue Shield Health Savings Plan
Core (default)
UC Care PPO


PPO plan designed for UC
Administered by Blue Shield of California



Blue Shield PPO network
Claim administrator
International plan


Employee & family members may live anywhere
Comprehensive coverage worldwide
UC Care Providers
UC Select
(Tier 1)
Blue Shield
Preferred
(Tier 2)
Non-Preferred
Out-of-Network
(Tier 3)
UC Medical
Centers
In CA
Blue Shield PPO
Not contracted with
Blue Shield in US
Select local
providers
In US
Blue Cross/Blue Shield
Outside US
BlueCard Network or
any provider
You have access to providers in all three tiers
28
UC Care: UC Select near UCSB

UC Select (Tier 1) providers in




Santa Barbara – Sansum Clinic
Santa Maria
Lompoc
Check the UC Care directory for
providers important to you
Ventura
http://uc-care.org/

Currently, Sansum Clinic is the only UC Select
provider in Santa Barbara area

29
High cost hospital and medical groups
UC Care Costs
UC Select
(Tier 1)
Blue Shield
Preferred
(Tier 2)
Non-Preferred
Out-of-Network
(Tier 3)
Copays
Deductible
Deductible
20% Coinsurance
50% Coinsurance
• Your costs are based on the tier/network that the
provider is in
• Not all services are covered at the UC Select benefit tier
• Some services are covered only at the Blue Shield
Preferred and Non-Preferred tiers
30
Deductible, Coinsurance, Out of Pocket Max
UC Care Example
Individual Coverage
Blue Shield Preferred (Tier 2)
You pay
You share cost with plan
Plan pays
100%
$250
Deductible
20% Coinsurance
$3000 OOPM
31
UC Care - Overview





No HMO option, no PCP, no referrals – you select
physicians and manage care
You pay a copay or a percentage of fee for services
depending on the provider you select
Large network of Preferred PPO providers
Higher premium than HMO
You can live outside of California
Why select UC Care?




You like managing your own care
You like being able to select any physician
You don’t mind paying more for a larger choice of
physicians
You’re living outside of California OR out of the HMO
service areas
Blue Shield Health Savings Plan
Combines high deductible PPO with
account to pay out-of-pocket expenses
+
Medical Coverage
Blue Shield PPO
35
Health Savings Account
HealthEquity
Blue Shield Health Savings Plan


The employee must live in US
When in US




Comprehensive coverage
Blue Shield PPO network in CA
Blue Cross Blue Shield network outside CA
When traveling out of US


Emergency and urgent care only
NO routine care
Blue Shield PPO – Plan Design
In Network
Out of Network
$1,250
$2,500
$2,500
$5,000
20%
• Plan pays 60%
of allowed rate
• You pay balance
$4,000
$6,400
$8,000
$16,000
Deductible
Single
Family
Member Cost Sharing
(Coinsurance for
medical services & drugs)
Out-of-Pocket Max
(includes deductible)
Single
Family
Health Savings Account
High deductible medical plan paired
with a Health Savings Account
Blue Shield
PPO
+
Health Savings
Account
• The Health Savings Account is a separate
account that can be used to pay eligible medical,
dental vision and other health expenses.
38
How does HSA work?

UC makes annual contribution for plans that start on
January 1, prorated for plans starting later

You may contribute through pre-tax payroll deduction
or make post-tax contributions to HealthEquity

Use a HSA debit card to pay for health expenses

Use HealthEquity website to pay medical and other
health claims

Invest HSA dollars when account balance reaches
$2000 – no fees to invest
Annual Contributions to HSA
2014 IRS Contribution Limit
UC Contribution on 1/1/14
Employee Contribution
(Optional)
• pretax payroll deduction
• post-tax payment to
HealthEquity
Single
Family
(2 or more)
$3,300
$6,550
$500
$1,000
$2,800
$5,550
Catch-up contribution, age 55+: $1000
Advantages of an HSA
• You keep the money even if you change jobs or
insurance plans
• You can make contributions at any time
• HSA has triple tax advantage
• No Federal taxes on contributions
• No taxes when funds are used
• No Federal taxes on earnings
• HSA funds rollover from year to year;
no use it or lose it as with Health FSA
41
Who is eligible for HSA?
To own an HSA you need to:

Be covered ONLY by an HSA-qualified health
plan


Other health coverage may disqualify you, including Health
FSA, Medicare or traditional health plan
Not be claimed as a dependent on someone
else’s tax return
Blue Shield HSP - Overview

No PCP, no referrals – you select physicians and
manage care

UC contributes to your Health Savings Account

You can contribute pre-tax dollars to HSA

HSA belongs to you even if you separate from UC

May submit claims to HSA to reimburse medical,
dental, vision and other health expenses

Higher deductible than UC Care

Must live in US
Why select the Blue Shield HSP?

You like managing your own care

You have few medical or drug expenses and expect to
rollover HSA dollars

You have many medical or drug expenses and will
contribute pretax dollars to HSA

You don’t mind managing medical accounts
Core - Fee for Service

Catastrophic medical plan (default)

PPO plan design

$3,000 annual deductible per individual

20% co-insurance for medical and drug

OOPM: Individual $6,350; Family $12,700

Premium paid in full by UC

You select Blue Shield PPO providers or nonBlue Shield provider
Prescription Drugs
Preferred Drug List (Formulary) is different for each carrier
HMO
UC Care
Retail (30 day)
• Generic
• Brand
• Non-formulary
Mail Order (90 day)
• Generic
• Brand
• Non-formulary
47
$5
$25
$40
$10
$50
$80
Blue Shield HSP
CORE
You pay full cost of
medication until you
satisfy the deductible
After deductible,
you pay 20%
at preferred pharmacies
Preventive Care


All medical plans cover preventive care at 100%
with in-network providers
Preventive care includes:





Annual well visit and labs
Well woman visits and labs
Preventive screening tests
Immunizations
See list of preventive services on the plan websites
48
Optum – Behavioral Health

Counseling and substance abuse treatment

Care by therapists, psychologist, psychiatrist

Different provider options and benefits


Health Net, Kaiser HMOs – use Optum
clinicians

UC Care and Blue Shield Health Savings
Plan–
use Optum or Non-Optum clinicians
Call Optum to confirm provider is in-network
Dental Insurance Plans

Choice of two plans


Delta Dental PPO
DeltaCare USA (HMO)

Premium paid in full by UC

A Complete Guide to Your UC Health Benefits,
Pages 20 – 23
Delta Dental PPO

Worldwide coverage

Preventive dentistry covered 100%

Basic dentistry covered 80%


$50 annual deductible for basic dentistry
Plan pays up to $1700 annual maximum benefit
(In-Network PPO dentists)

Delta PPO Providers - Lower out of pocket costs
Delta Dental PPO
Why select this plan?
 You like being able to select any dentist
 You don’t mind paying more for a larger choice of
dentists
 You don’t expect to exceed the annual maximum
benefit of $1,700
 You’re living outside of California
DeltaCare USA (HMO)

Must use DentalCare HMO dental group

Assigned to a dental group

Limited number of dental groups in Santa Barbara

No deductibles

Preventive dentistry covered 100%

Co-payments for basic dentistry


Additional fees for upgrades on materials
No annual maximum benefit
DeltaCare USA (HMO)
Why select this plan?



You don’t mind having a limited choice of dentists
You like lower out of pocket costs
You expect to have major dental work that will
exceed the Delta PPO maximum benefit, or plan
on orthodontic services
VSP - Vision Service Plan

Routine vision care
Exam – 1 per calendar year ($10 co-pay)
 Lenses - one set every year
 Frames every other year ($130 allowance)
OR
 Contact lenses ($110 allowance) per calendar year


Select VSP doctor for lower costs

Limited reimbursements for non-VSP doctor
Premium paid in full by UC
Visit the website to access In-Network providers
www.vsp.com


Other Insurance





Disability
Life
Accidental Death and Dismemberment
Legal
Flexible Spending Accounts
Disability Insurance


Liberty Mutual Insurance Company
Short-Term Disability



Supplemental Disability




Employer-paid
Short-term benefits only
Voluntary / employee-paid
Short-term supplement and long-term benefits
No State Disability Insurance (SDI) coverage
Worker’s Compensation (work related only)
Short-Term Disability


Enrollment is automatic; paid by UC
7-day waiting period - (if you have accrued sick
leave, you must first use up to 22 working days of sick
leave before benefits start)




Monthly benefit = 55% up to $800/mo. maximum
26 week disability period
Provides benefits for non-work related disabilities
Does not include long-term coverage
Supplemental Disability



Enroll during PIE or with Statement of Health
Employee paid - premium based on age,
waiting period and full-time salary rate
Choice of 7, 30, 90, or 180-day waiting period

If you have accrued sick leave, you must first use up to 22
working days of sick leave before benefits start


Coverage for duration of disability up to age 65
Supplements other income to 70% up to
$15,000/month maximum
Calculating your premiums
Supplemental Disability & Supplement Life
Flexible Spending Accounts (FSA)

Health FSA & Dependent Care FSA

Save taxes on eligible expenses

Contribute to plan with pre-tax earnings

Submit claims for reimbursement for eligible outof-pocket expenses or use Health Spending Card

Effective date is the 1st of the month following
enrollment; subject to payroll deadlines
*Read the Summary Plan Description Booklet
*Estimate carefully - “Use it or lose it”
Flexible Spending Accounts-HFSA
Plan
start date
Dec. 31
Plan year + grace period


Mar. 15
April 15
1 month claim period
Expenses must be incurred during the
plan year + grace period
Deadline to submit claims to CONEXIS
is April 15, 2015
Retirement Plans
 University
of California Retirement Plan (UCRP)
 Defined Contribution Plan (DCP for Safe Harbor)
Voluntary Retirement Savings Programs
 Tax-Deferred 403(b)
 457(b) Deferred Compensation
University of California Retirement Plan
(UCRP) 2013 Tier Members



Vesting = 5 years (100% full-time)
Minimum age 55
Defined Benefit Plan:



Age x Years of UCRP Service x Highest
Average Plan Compensation (HAPC)
Coordination with Social Security
1976 Tier members minimum age 50
Example: Benefit Percentages
Retire at age 65 with 20 years of UCRP Service Credit
Pension Benefit = .5000 of HAPC
Years of UCRP
Service Credit
Retirement Age
55
60
65
5
.0550
.0900
.1250
10
.1100
.1800
.2500
20
.2200
.3600
.5000
30
.3300
.5400
.7500
40
.4400
.7200
1.000
UCRP Contributions

2013 Tier: Employees contribute 7% of gross
earnings.

July 1, 2014 8%
* Subject to collective bargaining
Defined Contribution Plan (DCP Safe Harbor)

Mandatory monthly pre-tax employee contributions of
7.5% (in lieu of paying Social Security taxes)

Administered by Fidelity

Defaults to UC-managed “Savings Fund”

Voluntary DCP after-tax /rollover account
Tax-deferred 403(b) and 457(b) Plans



Voluntary employee pre-tax savings programs
Administered by Fidelity
Maximum annual contribution limits

Investment options: Core Funds and other expanded
options

www.netbenefits.com
Next Steps
Explore benefit options



UCnet – plan descriptions, cost calculator tools, medical
plan chooser
Health Plans – providers lists, coverage details, preferred
drug lists (formulary)
Enroll before end of “PIE”




Medical, dental, vision insurance
Life, Disability, AD&D, Legal insurance
Flexible Spending Accounts
After You Enroll

Check your Earnings Statement on AYSO


Are enrollments and deductions correct?
Attend Retirement Workshops


At Your Service - UCRP
Fidelity – DCP, 457b, 403b
Bright Horizons Care Advantage

Online referral service for in-home caregivers
Services
How it works
Child Care

You register with Sittercity
Nannies

UC pays membership fee
Elder Care

You make all the arrangements
including hiring and payment of
care giver

Online care giver profile includes
background check, picture,
references, reviews
Tutors
Dog Walkers/Sitters
Housekeepers

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