Benefits Open Benefits Open EnrollmentEnrollment

April 13 – May 1, 2009April 13 – May 1, 2009

Open EnrollmentOpen Enrollment

When is open enrollment?When is open enrollment? Starts Monday, April 13Starts Monday, April 13thth & ends Friday, May 1 & ends Friday, May 1stst

Online via Esther – Online via Esther – http://esther.rice.eduhttp://esther.rice.edu

Rice Fest is Thursday, April 16Rice Fest is Thursday, April 16thth in the in the RMC/Ley Student CenterRMC/Ley Student Center Talk with carriersTalk with carriers Ask benefits staff questionsAsk benefits staff questions Free chair massage (but long lines!)Free chair massage (but long lines!) Free cholesterol screeningFree cholesterol screening

Open EnrollmentOpen Enrollment

Who needs to enroll this year?Who needs to enroll this year? As always, only employees who As always, only employees who

are making changes or wish to are making changes or wish to continue flexible spending continue flexible spending accountsaccounts

Can people enroll remotely?Can people enroll remotely?Yes!Yes! Esther is accessible from Esther is accessible from

any internet connection, 24/7any internet connection, 24/7 Changes are effective July 1Changes are effective July 1stst

Open EnrollmentOpen Enrollment

Benefits team will be available during open Benefits team will be available during open enrollment to answer questions and assist enrollment to answer questions and assist with actual enrollment if needed:with actual enrollment if needed: Employees can make appointments with HR Employees can make appointments with HR

staff.staff. New location – great views!New location – great views!

Packets mailed Monday (~ April 13Packets mailed Monday (~ April 13thth) via ) via campus mailcampus mail Packets will include individual Esther ID & PINPackets will include individual Esther ID & PIN

Please forward packets to employees who Please forward packets to employees who are not on campus as quickly as possible are not on campus as quickly as possible (or point them online to the benefits (or point them online to the benefits website)website)

MedicalMedical Same medical plans:Same medical plans:

HMO, Flexplan (POS), PPO & CatastrophicHMO, Flexplan (POS), PPO & Catastrophic All plans still administered by AetnaAll plans still administered by Aetna No plan design changesNo plan design changes A 5.0% rate increase across all plans A 5.0% rate increase across all plans

for employees and for Rice:for employees and for Rice: Some sample rate increases include*:Some sample rate increases include*:

HMO, employee only = $1.50 more per HMO, employee only = $1.50 more per paycheckpaycheck

POS, employee + children = $7.50 more per POS, employee + children = $7.50 more per paycheckpaycheck

PPO, employee + family = $21 more per PPO, employee + family = $21 more per paycheckpaycheck

* Twelve month salary.

MedicalMedical

Changes at Aetna include:Changes at Aetna include: M.D. Anderson is now in-network for all M.D. Anderson is now in-network for all

plans (HMO and POS included)plans (HMO and POS included) HMO members who select Kelsey-HMO members who select Kelsey-

Seybold for their PCP no longer need Seybold for their PCP no longer need to stay within Kelsey-Seybold for their to stay within Kelsey-Seybold for their specialist care (although you will still specialist care (although you will still need referrals for specialists except for need referrals for specialists except for well woman and routine eye exams)well woman and routine eye exams)

Both of these items are effective today!Both of these items are effective today!

WellnessWellness

The healthier we stay, the lower our The healthier we stay, the lower our medical plan costs!medical plan costs!

Continuing the screenings for 2009-Continuing the screenings for 2009-20102010

Coaching available to eligible Coaching available to eligible employeesemployees Based on the results of the healthy Based on the results of the healthy

lifestyle screeningslifestyle screenings Continuing Weight Watchers subsidy Continuing Weight Watchers subsidy

and we have a new leader on and we have a new leader on campuscampus

DentalDental

Same dental plans:Same dental plans: United Concordia Indemnity United Concordia Indemnity

Dental PlanDental Plan Aetna DMOAetna DMO

Same dental plan designsSame dental plan designs Slight rate increases in the DMO Slight rate increases in the DMO

(~5%) and a rate decrease for (~5%) and a rate decrease for indemnity planindemnity plan

Continuing 50% dental subsidy for Continuing 50% dental subsidy for employees earning less than employees earning less than $35,000 (as of April 1 of each $35,000 (as of April 1 of each year, on a full-time equivalent year, on a full-time equivalent basis)basis)

Flexible Spending AccountsFlexible Spending Accounts

Flexible Benefits (still with WageWorks)Flexible Benefits (still with WageWorks) Medical Spending Account ($5,000 max, per Medical Spending Account ($5,000 max, per

employee)employee) Childcare Spending Account ($5,000 max, per Childcare Spending Account ($5,000 max, per

family)family) New plan year extension for New plan year extension for thisthis plan year plan year

You now have until September 15, 2009 to incur You now have until September 15, 2009 to incur expenses in both the medical and dependent care expenses in both the medical and dependent care spending accounts – an extra 2 ½ months! spending accounts – an extra 2 ½ months!

Please note that for the medical spending Please note that for the medical spending account, the WageWorks Visa card will only apply account, the WageWorks Visa card will only apply to the new plan year on July 1, 2009 to the new plan year on July 1, 2009

You have until November 30, 2009 to file for You have until November 30, 2009 to file for reimbursement for claims in the 2008-2009 plan reimbursement for claims in the 2008-2009 plan year (now, July 1, 2008 through September 15, year (now, July 1, 2008 through September 15, 2009) – but don’t wait until the last minute! 2009) – but don’t wait until the last minute!

OtherOther

Other benefits remain the same:Other benefits remain the same: Life insurance – rates the sameLife insurance – rates the same Accidental Death & Dismemberment Accidental Death & Dismemberment

(AD&D)(AD&D) Short-Term DisabilityShort-Term Disability Long-Term DisabilityLong-Term Disability Long-Term CareLong-Term Care Other voluntary benefits through Answer Other voluntary benefits through Answer

FinancialFinancial Auto, home, and even pet insuranceAuto, home, and even pet insurance

Travel InsuranceTravel Insurance Tuition BenefitsTuition Benefits

OtherOther

Retirement plan changes Retirement plan changes approachingapproaching Retirement plan contributions will Retirement plan contributions will

be sent weekly starting this be sent weekly starting this summersummer

We will be adding Fidelity We will be adding Fidelity Investments to the Rice Investments to the Rice Retirement plan this summerRetirement plan this summer

Look for more information on Look for more information on these enhancements soon…these enhancements soon…

Benefits RemindersBenefits Reminders

Update beneficiary information!!!Update beneficiary information!!!Life InsuranceLife InsuranceAD&DAD&DTIAA-CREF and FidelityTIAA-CREF and Fidelity

Please review your benefits Please review your benefits each year – our lives change each year – our lives change and you should make sure your and you should make sure your benefits match your current benefits match your current needsneeds