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November 1st through November 16th
Jason DempsterAssociate Director of Compensation & Benefits
Kelly FangWell-being Program Manager and Certified Wellness Coach
Benefits Open Enrollment
Today’s Focus
Dental Plan Renewal
Health Plan Renewal
New Benefit Offering
Life, Long-term Disability
Retirement Plan
Wellness Program
Online Benefit Enrollment System
Questions and Answers
Dental Plan Renewal
Vendor Design
Structure Network
No Change
Service/Feature PPO Delta Premier Out of Network
Annual Maximum Benefit Unlimited Unlimited Unlimited
Annual Deductible $0 $0 $0
Diagnostic & Preventive
Exams, cleanings, x-rays, sealants
Preventive Dental
Covered at 100% Covered at 100% Covered at 100%
Service/Feature PPO Delta Premier Out of Network
Annual Max Benefit $1,500 $1,250 $1,000
Annual Deductible $0/person; $25/person; $50/person;Not applicable to preventive and
diagnostics$0/family $75/family $150/family
Diagnostic & Preventive
Exams, cleanings, x-rays, sealants
Basic Services
Fillings, Emergency treatment for pain
Endodontics, Periodontics
Root canals
Oral Surgery
Extractions
Prosthetics
Denture adjustments, repairs
Major Restoratives
Dentures, Resins, Crowns
Orthodontics
$1,000 lifetime max per child
Comprehensive Dental
Covered at 50% Covered at 50% Not Covered
Covered at 50% Covered at 50% Not Covered
Covered at 75% Covered at 50% Covered at 50%
Covered at 50% Covered at 50% Not Covered
Covered at 80% Covered at 50% Covered at 50%
Covered at 75% Covered at 50% Covered at 50%
Covered at 100% Covered at 100% Covered at 100%
Performance & Premiums
Admin
0.0%
0.0%
Type % of Expected
Preventive 94%
Comprehensive 92%
Trend
3.5%
3.5%
Total
98%
96%
Current Preventive Dental Rates
Per EE Premium
$4.64
$13.93
$21.71
Current Comprehensive Dental Rates
Per EE Premium
$26.66
$62.73
$100.48
Renewal
2019 Preventive Dental Rates
Per EE Premium $ Change per Mo % Change
$4.36 -$0.28 -6%
$13.10 -$0.84 -6%
$20.41 -$1.30 -6%
2019 Comprehensive Dental Rates
Per EE Premium $ Change per Mo % Change
$24.53 -$2.13 -8%
$57.71 -$5.02 -8%
$92.44 -$8.04 -8%
Dental Insurance Premium Changes(since 2013)
0.00% 0.00%
-1.54%
3.00%
26.61%
1.50%
-7.00%-10.00%
-5.00%
0.00%
5.00%
10.00%
15.00%
20.00%
25.00%
30.00%
2013 2014 2015 2016 2017 2018 2019
ACA Tax Form – 1095c
Health Plan DesignCOVERAGE FOR:
In-Network* Out-of-Network In-Network* Out-of-Network
Single $3,200/person $12,800/person $500/person $2,000/person
Family $6,400/family $25,600/family $1,000/Family $4,000/Family
PREVENTIVE CARE SERVICES
Routine Health Exams, Cancer Screening,
Eye and Hearing Exams, Immunizations,
Prenatal & Postnatal Services
100% of charges incurred 100% of charges incurred 100 % of charges incurred No coverage
CONVENIENCE CLINICS
Minute Clinic
ALLERGY INJECTIONS Deductible, then 100% Deductible, then 100% No out of pocket cost 60% of charges incurred
PRIMARY CARE OFFICE VISITS
MD Visits (includes ancillary services
received in provider’s office and palliative
care)
BEHAVIORAL HEALTH/SUBSTANCE
ABUSE - OutpatientDeductible, then 100% Deductible, then 100% $30 co-pay, then 100% 60% of charges incurred
URGENT CARE VISITS Deductible, then 100% Deductible, then 100% $50 co-pay, then 100% $50 co-pay, then 100%
SPECIALTY OFFICE VISITS
Chiropractic, Physical Therapy, Speech
Therapy, Occupational Therapy,
Acupuncture, etc.
AMBULANCE SERVICES Deductible, then 100% Deductible, then 100% 80% of charges incurred 60% of charges incurred
INPATIENT HOSPITALIZATION Deductible, then 100% Deductible, then 100% 80% of charges incurred 60% of charges incurred
EMERGENCY ROOM VISITS
(coverage for emergency conditions only)
Single - Medical $3,200/person $12,800/person $3,200/person $12,800/person
Family Medical $6,400/family $25,600/family $6,400/family $25,600/family
Generic Formulary Drugs
- 31 day supplyDeductible, then 100% Deductible, then 100%
$15 co-pay and then 100%
thereafter60% of charges incurred
Brand Formulary Drugs
- 31 day supplyDeductible, then 100% Deductible, then 100%
$40 co-pay and then 100%
thereafter60% of charges incurred
Specialty Drugs - Brand Non-Formulary
- 31 day supplyDeductible, then 100% Deductible, then 100%
20% co-pay up to $300 per
perscription, 100%
covered thereafter
60% of charges incurred
Mail Order - Generic Formulary Drugs
- 90 day supplyDeductible, then 100% Deductible, then 100%
$30 co-pay and then 100%
thereafter60% of charges incurred
Mail Order - Brand Formulary Drugs
- 90 day supplyDeductible, then 100% Deductible, then 100%
$80 co-pay and then 100%
thereafter60% of charges incurred
OTHER COVERED SERVICES Deductible, then 100% Deductible, then 100% 80% of charges incurred 60% of charges incurred
LIFETIME MAXIMUM Unlimited $1,000,000 Unlimited $1,000,000
ANNUAL OUT-OF-POCKET MAX
PRESCRIPTION DRUGS
Deductible, then 100% Deductible, then 100% $50 co-pay, then 100% $50 co-pay, then 100%
Deductible, then 100% Deductible, then 100% $100 co-pay, then 100% $100 co-pay, then 100%
Deductible, then 100% Deductible, then 100% $10 co-pay, then 100% 60% of charges incurred
Deductible, then 100% Deductible, then 100% $30 co-pay, then 100% 60% of charges incurred
HDHP (2019) PPO (2019)
CALENDAR YEAR DEDUCTIBLE
E-visits - virtuwell Deductible, then 100% Deductible, then 100%
The first 3 visits free, then
$10 co-pay per visit
thereafter
No coverage
Vendor Design
Structure Network
No Change
Deductibles & Out-of-Pocket Maximums Over Time
Year Deductible Out-of-Pocket Max
2012 $2,400/$4,800 $2,400/$4,800
2013 $2,500/$5,000 $2,500/$5,000
2014 $2,600/$5,200 $2,600/$5,200
2015 $2,600/$5,200 $2,600/$5,200
2016 $3,000/$6,000 $3,000/$6,000
2017 $3,000/$6,000 $3,000/$6,000
Deductible
• $3,200
Mac Contribution
• $1,722
Adjusted Deductible
• $1,478
2018 $3,200/$6,400 $3,200/$6,400
2019 $3,200/$6,400 $3,200/$6,400
Deductible
• $6,400
Mac Contribution
• $3,444
Adjusted Deductible
• $2,956
Individual
Employee+1 or Family
Health Savings Account (HSA)
Contributions are made on a
“pre-tax” basis through
payroll deductions
Health Savings
Accounts are only available to those who have elected
the High Deductible Health Plan
(HDHP)
Macalester highly funds
HSA’s through employer
contributions to your HSA
account
A HSA is a true savings
account
Does not have the “use it or lose it” clause
Health Savings Account (HSA) Contributions
Mac Monthly
Contribution
Level 1
EE Monthly
Contribution
Level 1
$100.00 $0.00
$200.00 $0.00
$200.00 $0.00
Mac Monthly
Contribution
Level 2
EE Monthly
Contribution
Level 2
$121.75 $21.75
$243.50 $43.50
$243.50 $43.50
Mac Monthly
Contribution
Level 3
EE Monthly
Contribution
Level 3
$143.50 $43.50
$287.00 $87.00
$287.00 $87.00
Open enrollment is an ideal time to review and update your HSA contributions
2019 Full-Time HSA Contributions
Max Matched
Mac
Contribution
Annual
Out-of-Pocket
Maximum
2019
IRS Limits
Max Amount for
Unmatched
Contribution
Employee Only $2,244 $3,200 $3,500 $1,256
Family $4,488 $6,400 $7,000 $2,512
Health Savings Account (HSA) Contributions
Open enrollment is an ideal time to review and update your HSA contributions
Part-Time
.50-.74 FTE
Employee Only
Employee + (1)
Employee + (2+)
Mac Monthly
Contribution
Level 1
EE Monthly
Contribution
Level 1
$80.00 $0.00
$160.00 $0.00
$160.00 $0.00
Mac Monthly
Contribution
Level 2
EE Monthly
Contribution
Level 2
$90.88 $10.88
$181.75 $21.75
$181.75 $21.75
Mac Monthly
Contribution
Level 3
EE Monthly
Contribution
Level 3
$101.75 $21.75
$203.50 $43.50
$203.50 $43.50
Max Matched
Mac
Contribution
Annual
Out-of-Pocket
Maximum
2019
IRS Limits
Max Amount for
Unmatched
Contribution
Employee Only $1,482 $3,200 $3,500 $2,018
Family $2,964 $6,400 $7,000 $4,036
2019 Part-Time HSA Contributions
Health Insurance Factors
Inpatient
Hospital
Outpatient
Hospital
Pharmacy High Cost
Claimants
Ambulance
Type % of Expected
HDHP 77%
PPO 86%
Admin
-26.04%
-26.04%
Trend
-3.15%
-0.30%
Regression
3.12%
3.12%
Reserve
-28.00%
-28.00%
2019 Health Insurance Rates(full-time)
Current Full-Time HDHP Rates
Tier Per month EE PremiumEE Only $112.93EE+1 $340.08EE+(2+) $496.65
Current Full-Time PPO Rates
Tier Per month EE PremiumEE Only $165.08EE+1 $501.72EE+(2+) $734.23
Renewal
2019 Full-Time HDHP Rates
Per EE Premium $ Change per Mo % Change$96.50 ($16.43) -15%
$287.31 ($52.77) -16%$418.82 ($77.82) -16%
2019 Full-Time PPO Rates
Per EE Premium $ Change per Mo % Change$145.14 ($19.94) -12%$438.01 ($63.70) -13%$640.30 ($93.93) -13%
2019 Health Insurance Rates(part-time)
Current Part-time HDHP Rates
Tier Per EE Premium
EE Only $221.85
EE+1 $564.13
EE+(2+) $825.08
Current Part-Time PPO Rates
Tier Per EE Premium
EE Only $326.17
EE+1 $833.53
EE+(2+) $1,221.06
Renewal
2019 Part-Time HDHP Rates
Per EE Premium $ Change per Mo % Change$188.00 ($33.86) -15%$475.51 ($88.62) -16%
$694.71 ($130.37) -16%
2019 Part-Time PPO Rates
Per EE Premium $ Change per Mo % Change$285.29 ($40.88) -13%$726.69 ($106.84) -13%
$1,063.84 ($157.22) -13%
Health Insurance Premium Changes(since 2010)
0.00%
2.91%
0.00%
-8.35%
-5.50%
7.64%
13.91%
6.56%
3.50%
-14.00%
-20.00%
-15.00%
-10.00%
-5.00%
0.00%
5.00%
10.00%
15.00%
20.00%
2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
Health Insurance Comparison
Step 1
Select Status
Full-Time
Step 2
Select Level of Coverage
Employee Only
Step 3
Select HSA Contribution
Level 3
Step 4
# of Months of Coverage
12
Per Mo Rate # of Months Total Per Mo Rate HSA Credit # of Months Total
Premiums 145.14$ 12 1,741.68$ 96.50$ 12 1,158.00$
PPO HDHP
Co-Pay's/Visit Expense -$ 1 -$ -$ 1 -$
Out-of-Pocket Max
Total 1,741.68$ 1,158.00$
$3,200 $3,200
EE HSA Contribution -$ 12 -$ 43.50$ 12 522.00$
Mac HSA Contribution 143.50$ 12 1,722.00$
(564.00)$
Difference 2,305.68$
Co-Pay's/Visit Expense 100.00$ 1 100.00$ 1,000.00$ 1 1,000.00$
Out-of-Pocket Max
Total 1,841.68$ 2,158.00$
$3,200 $3,200
Difference 1,405.68$
If interested in looking at which option would work best for you and your family, contact Jason @ x6454
Health Insurance
$0.00$49
$103 $161
$175
$300
$750
Average Expense Per Visit
Ways to Reduce Health Care Costs
See your Doctor
Avoid Reactive Care
Save Emergency Room for
Emergencies
Take Care of Yourself
Practice Safety & Healthy Habits
Ways to Reduce Health Care Costs
$3,700 Minute Clinic
$3,750
ER Visits
$18,200 Urgent
Care Visits
$56,189 Primary
Care Visits
$680 Urgency
Room Visits
497 Visits
Savings of
$82,519
How Works
Log onto healthpartners
.com
Click on Start my visit in
Online care
Enter symptoms
Nurse Practitioner diagnoses
and creates treatment
plan within 30 minutes
Prescription sent to
pharmacy of choice
Pay for treatment.
No more than $49
Feel Better!
Conditions Treats Allergies
Bugs & Bites
Cold, Cough & Flu
Ear pain or infection
Pink Eye or Stye
Skin & Rashes (acne, cold sore, eczema, shingles, chicken pox, rosacea, poison ivy, hives, athlete’s foot)
STI/Sexual Health
Women’s Health (birth control & infections)
Ways to Save on Prescriptions
Ask About Generics
Ask for a Discount
Listen to Your Doctor
Shop Around
Try Mail-Order Medications
Visit the Manufacturer’s
Website
An Innovative Solution
Medicine is expensive
Don’t know how much
Costs vary greatly
An Innovative Solution
New online experience
Personalized communications
Guide to choices and alternatives
Better understanding of pharmacy costs
Member ExperienceLogin Open Explore
Mobile Member Experience
Login Open Explore
Explore Prescriptions
Ways to Save
Ways to save
Bundled savingsopportunity
Employee Assistance ProgramMacalester provides cost-free professional consultation and referral services for employees who are experiencing work and personal-related difficulties
Confidential consultation is provided including:
Work relationships Conflict resolution
Mental health Interpersonal relationships
Family Loss and bereavement
Alcohol/substance abuse Finding child or elder care
Financial information, resources and tools
Legal information, resources and consultations
Benefits with No Changes
All FSA participants must
re-enroll annually
during open enrollment!
New Benefit: Identity Protection
Eligibility
• Staff and faculty with 0.50 – 1.00 FTE
2019 Monthly PremiumsCoverage Premium
Individual $8.95/mo.Family $16.95/mo.
3 Bureau Credit
Monitoring
Alerts
Unlimited Consultation
Mobile App
24/7 Assistance
Comprehensive Identity
Restoration
New Benefit: Sick Time Donation
Life, LTD & STD RenewalPast
For the last 9 years
Premiums decreased or remained the same
Current:
Basic Life: Loss ratio of 231%
LTD: Loss ratio of 159%
STD: Loss ratio of 102%
Goal of better
renewal
Leverage competition
Sent requests to
other vendors
Markeredour plans
Cost Type
Optional Life/AD&D
Dependent Life
Short-Term Disability
Long-Term Disability
Basic Life/AD&D
% Change
0%
0%
19%
69%
33%
Payor
Employee
Employee
Employee
Macalester
Macalester
Goals for Retirement Plan Enhancements
Reduce administrative requirements
Streamline and simplify investment
options
Reduce Fees for
participants and the plan
Enhance the user
experience
Retirement Plan Enhancements
Combine Two Recordkeepers
• TIAA
• Vanguard
TIAA
• Sole Recordkeeper
Reduced Fees
• Better share classes
• Less Recordkeeping Fees
• Lower expenses for participants
Retirement Fund Enhancements
Reduce Fund Options
• Current =111 funds
• New = 29 funds & Brokerage Window
“Best-in-Class” Fund Line-up
• Consistent performance within fund class
• Low expenses
Offer Mutual Fund Window
• Expansion of options
• Select what is wanted
• Keep current funds
Retirement Plan Enhancements Timeline
September 2018
• Announcements begin
• Continue through January 2019
November 2018
• Group Educational Sessions
• Individual counseling
• New line-up LIVE
December 2018
• All future contributions sent to TIAA
• Mapped to corresponding fund type
January 2019
• Vanguard balances move to TIAA
• Mapped to corresponding fund type
No Action Required
• Unless different funds wanted
• Or want to retain a fund that is changing
Wellness 2019
Move to Calendar Year
Health Assessment
Feb-Oct
New Wellness Portal & Platform
Wellness Coach @ 4
Days
Increase Incentives
Increase Participation
Wellness Premiums
Year Employee Macalester Collected Expense
2018 $4/mo $16/mo $127,920 $136,976
2019 $5/mo $20/mo $159,900
Well-being for
Staff & Faculty
Kelly Fang
Well-being Program Manager & Certified Wellness Coach
WELL
Statement of Purpose & Belief
“At Macalester College we believe that education is a fundamentally transforming experience. As a community of learners, the possibilities for this personal, social, and intellectual transformation extend to us all.”
Inspired
56%
48% 48%
22% 22%19%
2016 2017 2018
257HA completions
in 2018
140Participants in
3-yr cohort
104Program completions
Informed
Health assessments ≥ 1 Program
Informed
Quality of life
• Physical health concerns (no change)
• Emotional concerns(5% better)
• Back pain (3% better)
• Low life satisfaction (8% better)
• Low job satisfaction (6% better)
Informed
Modifiable health factors
• High risk for diabetes
or heart disease (6% rise)
• Obesity (2% rise)
• Low physical activity (8% rise)
• Few fruits & vegetables (2% rise)
Informed
Modifiable health factors
• Tobacco use (1.5% rise)
• Suboptimal sleep (2% rise)
• Unhealthy stress (4% rise)
ConfidentCalmStrong
166 members sought physical therapy in 2017
Physicians Neck and Back Centers Lunch & Learn
WHAM activity classes
Personal trainer Jamie Ochsenwald
Health coaching with Kelly Fang
Strong
17% report difficulty managing stress (Among Macalester employees who completed the health assessment)
Self-Compassion & Resiliency Lunch & Learn
Mindfulness classes
NEW Healthy Thinking online program
Employee Assistance Program (EAP)
Calm
Confident
Macalester College Preventive Care Gaps
26%
AT RISK FOR DIABETES
25%
NOT ADHERENT TO THEIR MEDS
23%
OVER AGE 45 DID NOT SEE A PRIMARY
CARE DOCTOR
26%
OVERDUE FOR A COLONOSCOPY
20%
OVERDUE FOR A MAMMOGRAM
Among all members, employees and spouses
Annual Health Assessment
Annual Preventive Care Visit
Disease & Case Management Phone Coaching
NEW Choose to Lose online program
NEW Well-being Challenges
Confident
Your new online and mobile experience
56
Energized
Additional resources
Talk with a nurse
Support 24/7, 365 days a year at no cost to you.
Learn more
Healthy Living blog
The latest health trends and advice from our healthy living experts.
Learn more
Helpful links
Custom link 1Custom link 2Custom link 3Custom link 4Custom link 5
Activity options
Reward information
Between February 1 – October 31, 2019
www.healthpartners.com/wellbeing
58
Complete your health assessmentStep 1
Energized
Health assessment
59
Confidential
Quick
Easy
Well-being Prize Drawings:
60
Complete your health assessment
Complete an activity of your choice
Step 1
Energized
• $500 credit towards a new bike
• Free domestic airline ticket
• Week of meals & groceries from a personal chef, and
more!
Step 2
Your activity options
12
Online/Mobile At Work Phone
WHAM 6-week Class
Health Coaching
NEW: Sugar Shake-Up Challenge (Jul. ‘19)
NEW Path: Paths to Positivity (Oct. ‘18)
NEW: Lose Weight in 8 Challenge (Feb. ’19)10,000 Steps
NEW Choose to Lose
NEW Healthy Thinking
Disease and Case Management (DCM)
Phone Coaching
Stress Tracker
Sleep Tracker
NEW Go for Fruits & Veggies
Beating the Blues
The more activities you complete the more chances you
have to win!
Complete all three steps to earn a one month
well-being premium holiday valued at $96.50 (employee only monthly premium rate for the high deductible health plan)
62
Complete your health assessment
Complete an activity of your choice
Complete your annual preventive visit*
Step 1
Energized
Step 2
Step 3
*Only preventive care visits completed between
September 1, 2018 and August 31, 2019 will qualify, to
allow time for processing.
No tracking or forms are required on your part!
Well-being premium holidays will be awarded in April,
July, September & December 2019.
63
Complete your annual preventive visit*Step 3
Energized
For details visit: macalester.edu/wellness
Schedule your annual preventive care visit today!
On February 1, 2019, log on to:
healthpartners.com/wellbeing
Online Enrollment Process
Visit macalester.bswift.com
Username: Mac Username (first part of email address),
Password: Previously established personal password
Click on Start Your Enrollment
Once complete with elections, check the I agree, and I’m finished with my enrollment box
Click on Complete Enrollment to finalize your enrollment
Online Enrollment Process
Once your enrollment is complete, you may choose to view, email or print a confirmation statement
By clicking on the home button, you will see the status of your enrollment as complete.
You have the option to make changes to your benefits if it is before 11/16/2018 by clicking Change by Elections on the home screen. Follow the prompts to make the necessary changes
To confirm whether you have completed your benefit enrollment, log in the new benefit enrollment system located at macalester.bswift.com. Once logged into your home landing page, a message in the upper left hand corner will say your enrollment is complete or Start Your Enrollment.
After the open enrollment period closes on 11/16/2018, you will receive an email to prompt you to review your benefit enrollment. Benefit confirmation statements will not be mailed.
Online Enrollment Process
If your 01/01/2019 benefit statement does not reflect your intentions, you have until 11/21/2018 at 4:00 PM
To contact Jason Dempsterat [email protected] or call 651-696-6454 to resolve any discrepancies.
No changes will be accepted after 11/21/2018.
Available at: macalester.edu/hr
Online Open Enrollment Guide
Link to online benefit enrollment system
2019 Open Enrollment Summary
Detailed Individual Benefit Information
Resources
Benefits Fair• Wednesday, October 31, 2018• 10:00 AM to 3:00 PM• Weyerhaueser Boardroom & Lounge
• Meet and talk directly with representatives from our benefit vendors and obtain answers to your benefits questions
• Attend the Benefit Fair and enter raffle for a chance to win prizes from benefit vendors
Questions?
Open Enrollment is November 1st through November 16th
