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FALL 2016
BENEFITS NEWS
2017 BENEFITS OPEN ENROLLMENT
NEWS SPOTLIGHT
IN THIS ISSUE
News Spotlight 1
2017 Benefits Open Enrollment
Benefit Breakdown 2
Flexible Spending Accounts
(FSA)
Health Savings Accounts
(HSA)
Living Well 3
Health Risk Assessment
(HRA)
Health Risk Assessment
(HRA) Incentives
Did You Know? 4
Introducing ALEX
Aggregate vs Embedded
Upcoming Events 4
“ ”
QUOTABLE
Autumn paints in colors
that summer has never
seen
1
Open enrollment for benefits began at 8 a.m. on 10/24/16 and will run through
midnight on 11/11/16. The open enrollment process is completed through the MyJob
portal. With the exception of the Flexible Spending and MetLaw elections, all other
current elections you have will roll over into 2017. If you would like to confirm or
change anything about your benefit coverage in 2017, you will need to go to MyJob
and click on the MU Benefit Annual Enrollment portal. Marquette strongly en-
courages employees to review their elections as there are changes in premiums,
deductibles, co-pays and co-insurance for 2017.
Log in to https://myjob.mu.edu and select MU Benefits Annual Enrollment
If you do not have access to a computer, there is one available in the Human
Resources lobby, Straz Tower Room 185, during regular business hours
(8 a.m.—4:30 p.m.) for making your 2017 benefit elections through the online portal.
Other Annual Enrollment Action Steps
Decide if you want to participate in any of the three Flexible Spending Accounts
(FSAs). You must enroll each calendar year through the portal in MyJob during
the Open Enrollment period. Existing health care debit cards are valid for five
years and will be reloaded in January with your entire 2017 Health Care FSA
election.
Those who wish to continue or begin participating in the voluntary Group Legal
(MetLaw) benefit must also enroll each year during open enrollment using a pa-
per form included in your enrollment packet or by clicking on this link.
During the Open Enrollment process, the Health Risk Assessment (HRA)
Incentive will not be viewable in the online portal. The HRA process continues for
one week after Open Enrollment ends and will appear in the system after January
1, 2017.
BENEFIT BREAKDOWN FLEXIBLE SPENDING ACCOUNT (FSA) BENEFITS
2
Flexible Spending Accounts (FSA) make it easy for you to set aside a portion of your salary on a pretax basis and use it to
pay eligible health and/or day care expenses.
A Limited Purpose Health Care FSA option has been added for PPO and HDHP plan participants who wish to set aside
funds to reimburse eligible dental and vision only expenses (and prefer not to use their HSA funds for these expenses).
The Heath Care FSA, which reimburses eligible medical, pharmacy, dental and vision expenses is still available to EPO
plan participants and to employees not enrolling in Marquette’s health plan. The Dependent Care FSA remains available
to all benefit eligible employees. All three FSA components are “use it or lose it” programs.
The three account options are:
Health Care FSA— Can be used for eligible out-of-pocket medical, prescription drug, vision and dental expenses.
Maximum annual limit: $2,600
Dependent Child Care FSA —Can be used for certified day care expenses incurred for the care of your child(ren).
Maximum annual limit: $5,000
Limited Purpose Health Care FSA —Can be used for eligible out-of-pocket dental and vision expenses only.
Maximum annual limit: $2,600
For more detailed information and a list of eligible expenses, visit the Benefits Website.
HEALTH SAVINGS ACCOUNT (HSA) BENEFIT A Health Savings Account (HSA) is a tax advantaged personal savings account that can be used to pay for medical,
pharmacy, dental, vision and other qualified expenses now or later in life. Unlike FSA funds which are “use-it-or-lose-it”,
your HSA balance rolls over from year to year, with the potential of earning interest along the way. The account is
portable, meaning if you ever change health plans or leave Marquette, you can still use and/or take the HSA with you
because it’s your money and your individual account.
There are two ways Marquette will contribute funds to your HSA. First, HDHP participants will get an automatic
contribution of $250 for single coverage and $500 for non-single coverage. Second, if you enroll in the PPO or HDHP
and complete (along with your covered spouse, if applicable) the Health Risk Assessment (HRA) process, Marquette will
provide a $250 contribution for single coverage or a $500 contribution for non-single coverage. Any and all Marquette
contributions will be made on or around the first of the year (for current employees), as long as the participant meets all
of the requirements.
In addition, employees can contribute their own funds to an HSA. Beginning in January you can elect pre-tax payroll
deductions. You can also make after-tax contributions from your personal checking account, which can then be deduct-
ed on your personal income tax return. You will need to initiate this after-tax process on your own—Marquette will not
facilitate.
2017 annual contributions from all sources (you, Marquette and any other individual) may not exceed $3,400 if you have
single coverage or $6,750 if you have non-single coverage. Individuals age 55 and over may make an additional $1,000
catch-up contribution. Married individuals may each make a catch-up contribution, although the maximum amount that
can be contributed to one HSA for 2017 is $7,750 (the $6,750 statutory maximum plus a $1,000 catch-up contribution).
There is a 6% excise tax on any individual contribution that exceeds the allowed annual maximum.
For more details on the HSA, please see the HSA FAQs on pages 11 & 12 of the 2017 Benefits Enrollment Guide.
LIVING WELL HEALTH RISK ASSESSMENT (HRA)
Health Risk Assessment (HRA) time is here! For employees who have a spouse who is covered or will be covered by
Marquette’s medical plan in 2017 the employee and the spouse must complete both parts of the HRA process to receive
the MU contribution to an FSA or HSA.
STEP ONE: Complete the Biometric Screening (4 options). The Biometric Screening is a simple finger stick blood
test that will analyze your cholesterol, HDL and glucose. Blood pressure, pulse, height, weight, and body mass index will
also be recorded. The results are available in about 15 minutes.
Option ONE: Complete with your primary care provider utilizing the Medical Provider Form between July 1
and November 18, 2016. Screening may be subject to health plan co-pays. This form must be completed by your
medical provider and can be faxed directly to Aurora at 414-525-2570 by you or the provider. You will need a copy
of your results to complete the online questionnaire.
Option TWO: Complete this on campus, free of charge. Dates for on-campus screenings, including several
Saturday options with appointments from late October through mid-November are available on the Aurora Website.
Option THREE: Complete a comparable biometric screening from July 1 through November 18, 2016, at a
spouse's employer-sponsored HRA screening and fax to Aurora Healthcare at (414) 525-2570.
Option FOUR: Complete at select Aurora Clinics in outlying suburbs on various Saturdays during the annual
enrollment period. Schedule your appointment here.
STEP TWO: Complete an online questionnaire with the results from your biometric screening. This online
questionnaire is available as of the start of the Annual Enrollment Period.
Please be sure to keep a copy of your results once completed.
To check if Aurora received your biometric screening results, you can call Aurora at 877-765-3213, Option #1.
If you would like to print off another copy of your online questionnaire, you can log back into the portal with the same
login credentials you used when filling out the HRA questionnaire or you can call Aurora at 877-765-3213, Option #1.
Note: Marquette University will not receive individual HRA results. In maintaining HIPAA compliance, we will
only receive a group summary report indicating “yes” or “no” for HRA participation.
3
HEALTH RISK ASSESSMENT (HRA) - INCENTIVES
While the process remains the same, Marquette is changing the Health Risk Assessment (HRA) Incentive amount and
method for 2017. Instead of a monthly premium discount, HRA participants enrolling in Marquette’s medical benefits
will receive an incentive contribution from Marquette. The contributions are as follows:
EPO—Single $125 / Non-Single (employee +1 or family) $250 - Contribution to Health Care FSA
PPO—Single $250 / Non-Single (employee +1 or family) $500 - Contribution to Health Savings Account (HSA) or
Limited Purpose HC FSA.
HDHP—Single $250 / Non-Single (employee +1 or family) $500 - Contribution to Health Savings Account (HSA) or
Limited Purpose HC FSA.
*Please note that covered spouses must also complete the HRA process (in addition to the employee) in order for the
employee to receive the incentive. These incentives will be made available at the start of the 2017 plan year.
CONTACT HUMAN RESOURCES
414.288.7305 [email protected] Marquette.edu/hr
Program Date, Time & Location
TIAA-CREF Individual Counseling
Sessions—October—November
By appointment only. Please call
TIAA-CREF at 1-800-732-8353
Benefit Assistance Days
(One on one meetings)
No appointment needed—These are
first come, first serve meetings. The wait
time may be less on 10/25 and 11/3.
2017 Annual Enrollment
Tuesday, Oct. 25, 2016 10:00 a.m.—4:00 p.m., AMU 230
Wednesday, Oct. 26, 2016 9:00 a.m.—4:00 p.m., AMU 230
Thursday, Oct. 27, 2016 9:00 a.m.—1:00 p.m., AMU 230
Tuesday, Nov. 8, 2016 10:00 a.m.—4:00 p.m., AMU 230
Wednesday, Nov. 9, 2016 9:00 a.m.—4:00 p.m., AMU 228 & 230
Thursday, Nov. 10, 2016 9:00 a.m.—4:00 p.m., AMU 228
Thursday, Nov. 10, 2016 9:00 a.m.—1:00 p.m., AMU 230
Tuesday, Oct. 25, 2016 11:00 a.m.—2:00 p.m., AMU Henke
Thursday, Nov. 3, 2016 10:00 a.m.—2:00 p.m., AMU Henke
Wednesday, Nov. 9, 2016 11:00 a.m.—2:00 p.m., AMU Henke
Monday, Oct. 24, 2016—Friday, Nov. 11, 2016
View upcoming GROW classes View all benefits events
UPCOMING EVENTS
DID YOU KNOW
EPO and HDHP
An embedded out of pocket (OOP) Maximum means that a
single member of a family doesn’t have to meet the full family
OOP. Under family or employee + 1 coverage an individual
family member would be responsible for up to the single
OOP maximum only.
INTRODUCING ALEX
AGGREGATE VS EMBEDDED OUT OF POCKET MAXIMUM (OOP)
4
New this year, we are introducing an interactive online benefits decision support tool, "ALEX". In addition to the support
the Benefits Department provides, ALEX can further assist employees by serving as an educational and decision support
resource during the open enrollment period.
ALEX provides a summary of your benefits and can help you decide which medical plan is best for you. However, you
should fully review all of your benefits documents before enrolling.
PPO
With an aggregate family out of pocket (OOP) maximum
there is essentially no separate single OOP “embedded”
within the family plan. Under family or employee + 1
coverage the family deductible/OOP maximum applies
even if only one family member incurs claims.