Open Enrollment Presentation

Report
Destination: 2013 Enrollment
Our Beliefs
Respect
Collaboration
Excellence
Integrity
Community
The Road to Enrollment
 Your Roadmap for What’s New for 2013
 Your Benefit Options for 2013
 Navigating Open Enrollment
 Questions?
2
What’s 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
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!
How a Health Advocate Can Help
Provide unbiased
advice on
treatment options
Discuss your
CIGNA HRQ
results and action
steps
Provide referrals
to counseling and
community services
Explain the
preventive care
benefit and the
screenings that are
appropriate for you
Support for mental
health issues,
substance abuse &
emotional crisis
Help you better
manage chronic
conditions
Provide educational
materials, reminders of
important tests/exams,
self-care information
Support changing
unhealthy habits:
Tobacco, Stress &
Weight
Ithaca On-Site Wellness Clinic
For All
Employees
6
Ithaca’s 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.
Schedule your
annual
wellness exam
at our on-site
clinic or with
your own PCP
Join an area
fitness club
and pay their
membership
fee
Bring a copy of
your paid
receipt & proof
of wellness
exam to the
HR Office
 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 employee’s 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.
Additional Points of Interest
2013 Medical Plan Options
8
A Look at the Medical Plans for 2013
In-Network Benefits
CIGNA
Choice Health Fund
CIGNA
PPO
Teamsters’
BlueShield PPO
Deductible
$1,500 or $3,000
$200 or $400
None
BW Funded HRA
$750 or $1,500
No HRA
No HRA
Preventive – Adult
100%
100%
$20 Co-pay
Preventive – Child
100%
100%
100%
Co-insurance pays
80%
90%
95%
Co-pay - PCP
No Co-pays
$20
$20
Co-Pay - Specialist
No Co-Pays
$40
$20
ER Per Visit
80%
$100
$100
Urgent Care Per Visit
80%
$50
$35
Out-Pocket Max
$3,000 - $6,000
$3,000 - $6,000
$1,000 - $3,000
9
CIGNA Choice Health Fund (HRA)
In-Network
Out-of-Network
 Deductible
 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
 $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
How the CIGNA HRA Plan Works
For medical and prescription expenses only.
Cannot be used for dental or vision expenses.
Includes member deductible gap
In-network preventive care covered at 100%
without deductible
11
CIGNA CHF Prescription Drug Plan
Retail
(30-day supply)
Mail Order
(90-day supply)
$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
In-Network Benefit
Generic
CIGNA PPO Medical Plan for 2013
 In-Network
Out-of-Network
 Deductible
 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
 $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 Prescription Drug Plan
Retail
(30-day supply)
Mail Order
(90-day supply)
Generic
$10
$16
Brand Formulary
$30
30% up to $150 per Rx
Brand Non-Formulary
$50
50%
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
In-Network Benefit
Teamsters’ BlueShield PPO
 In-Network
Out-of-Network
 Deductible
 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
 $250 single
 $500 family
 Co-Insurance
 70% after deductible
 Stop-Loss
 $2,500 single
 $5,000 family
 Preventive Services
 Not covered
Teamsters’ Prescription Drug Plan

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
Retail
(30-day supply)
Mail Order
(90-day supply)
Generic
$10
$20
Brand Formulary
$20
$40
Brand Non-Formulary
$50
$100
In-Network Benefit
Additional Points of Interest
2013 Health Plan Rates,
CIGNA Premium Discounts,
& Wellness Incentives
17
2013 Health Plan Monthly Premiums
Monthly Health Plan Premiums and Discounts
(premium discounts apply to CIGNA healthcare plans only)
$100 Discount
$50 Discount
$0 Discount
TWO Discounts
ONE Discount
NO Discounts
CIGNA CHF
Employee
Family
$0
$0
$50
$50
$100
$100
CIGNA PPO
Employee
Employee +1
Family
$84
$166
$221
$134
$216
$271
$184
$266
$321
Teamster PPO
Employee
Employee +1
Family
N/A
N/A
N/A
N/A
N/A
N/A
$131
$235
$323
Medical Plan
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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
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
20
Enrollment Form
Discount 1:
Online HRQ
Discount 2:
Tobacco
Select Your
Plan for 2013
21
Accessing the CIGNA On-Line HRQ
How to Access CIGNA On-Line HRQ:
22
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
Can’t make one of these dates? Call the Wellness Clinic x5018
23
Tobacco Cessation Program Options
How to Access CIGNA Quit Today:
Call Your CIGNA Health Advocate at 1-800-237-2904
OR
Wellness Program sponsored on-site
support classes: call 266-5018
Specialist from Cayuga Medical Center will be on-site conducting
support classes.
24
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
On-Site Tobacco Cessation Support
26
CIGNA CHF/PPO Wellness Incentives
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
Program
•an employee or spouse can earn a maximum of $200 annually
Additional Points of Interest
Other 2013 Benefits:
Dental/Vision
FSA
Life
Disability
28
Dental/Vision – Combined Benefit
 Vision
 Dental




Checkups
Fillings
Braces
Go to www.mycigna.com to print
a temporary card (or use your
CIGNA Health Card if enrolled)
 Eye exams
 Glasses or contacts
 Go to www.mycigna.com
then click on CIGNA Vision
for vision directory
2012 Monthly Cost Share
Dental/ Vision
Employee Only
$12
Employee +1
$25
Family
$25
29
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
Health Care Reform Changes - FSA
 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
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
Designate
Your
Beneficiary!
 Benefit is equal to 1X your annual base pay
as of January each year
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 1-888-622-6616 or visit their website online at:
www.metlife.com/mybenefits
32
Optional Life Insurance
 Employee contributes to cost
 Offered directly through MetLife
 www.Metlife.com/mybenefits
 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
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, 2012- Dec. 14, 2012
 Effective Coverage Date: January 1, 2013
 Look for more information soon!
34
DISABILITY/FMLA
 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
Short-Term Disability (STD) begins after you’ve 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 you’ve been disabled for more than six months and
meet the insurer’s 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.
Long-Term Disability Options
Design
Basic Plan
60% Coverage
Buy-Up Pan
70% Coverage
Benefit Level
60% of annual earnings
70% of annual earnings
(including average of past three
years of bonus pay)
Taxation of
LTD Benefit
100% taxable
Only the portion of the benefit BW
pays for is taxable
MINIMIZES YOUR TAX BURDEN
Income
Replacement
Lower
Higher
Premium
BW Paid
Employee 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.
36
LTD70 Example
Joe earns $45,000 (avg. bonus over last 3 years $1,167)
Tax Advantage
LTD 60%
BW Base Plan
Joe’s Monthly Cost
LTD 70%
Buy Up Plan
$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 Replaced
45%
65%
37
Enrollment Form
Disability:
New Election
38
Additional Points of Interest
Navigating Enrollment
39
Navigating Open Enrollment
Check out Page 5 of
your Enrollment Guide for
Roadside Assistance
40
Dependent Coverage Rules
Reminder
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.
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
41
Enrolling Dependents in the Plan
Reminder
 If enrolling a spouse for the first time
 Provide a copy of your marriage license
 Include spouse’s 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 child’s birth certificate (or other legal
documentation such as support order, adoption papers, etc)
 Include child’s full social security number and date of birth
What This Means to You/Action to Take
Adding a dependent? Complete the “Eligibility” section of your form
and provide appropriate documentation.
42
Key Items to Remember
 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
43
Your Destination: 2013 Enrollment
Enroll by November 16
44

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