Community College System of New Hampshire

Employee Benefits Informational Sessions

2

Informational Sessions

• Anthem Blue Cross and Blue Shield Health Plans– Overview and Plan Changes– Health Reimbursement Account

• NEW!! Compass

• Delta Dental: Dental Plan– Overview and Plan Changes

• NEW!! Vision Plan: DeltaVision®

• Life and Disability Benefits: The Standard

• Combined Services: Flexible Spending Account

• Questions??

3

Documents / Disk

• Disk– Employee Benefit Summaries– Anthem Enrollment Kit– Compliance Documents– Information Session Presentation

• Documents– Anthem Lumenos POS New England Benefit Summary

• Anthem Lumenos national plan – available upon request

– Anthem Member Savings– Compass Information– Vision Benefit Summary– Other documents provided by the Plans

4

Open Enrollment Dates: IMPORTANT

Open Enrollment Dates

October 28th to November 20th

www.ccsnh.edu/about-ccsnh/human-resources

Passive Enrollment – Medical Only• Employee Coverage will be transitioned from current medical plan

to Anthem Blue Choice NEW ENGLAND Network• Employees requesting to enroll in the NATIONAL plan must make

the election.Medical Buy Out

Mandatory: Login and election MBO and provide proof of coverage(not automatically enrolled in MBO)

5

Anthem Blue Cross and Blue Shield• Stay healthy with Preventive Care coverage

• Health Reimbursement Account provided by CCSNH to employees for payment of services that go towards the deductible

• In Network and Out of Network structure on the Blue Choice Point of Service (POS) plan

• Family plan claims for all family members go towards the deductible

• After the annual deductible, Traditional Health Coverage covers additional expenses

• An annual out-of-pocket maximum protects you from large medical expenses

Preventive Care100% In-Network

HRA Funded by your

employer to help satisfy annual deductible

Annual Deductible

Traditional Health Coverage

6

Anthem Blue Cross and Blue Shield

• NETWORK: Blue Choice Blue New Englando Primary Care Physician referrals are NOT Requiredo Services OUTSIDE the network – subject to 30% coinsurance over the

deductible up ($10,000 [2x] Out of pocket)

• OPTION: National Networko National Network / Preferred Blueo No Referralso NO Primary Care Physician

Blue Choice New England: In Network

Single Family

Preventive No costNo deduction from HRA with in-network providers(Non-Network preventive services subject to deductible)

HRA (funded by CCSNH) $2,500 $5,000

Plan Deductible $2,500 $5,000

Coinsurance 100%

Prescriptions

Mail order: (2x, 2x, 3x)

Deductible then:$10 Generic, $35 Preferred Brand Name.

$50 Brand Name

Out of Pocket Maximum $5,000 $10,000

National Plan: In NetworkSingle Family

Preventive No costNo deduction from HRA with in-network providers(Non-Network preventive services subject to deductible)

HRA (funded by CCSNH) $2,500 $5,000

Plan Deductible $2,500 $5,000

Coinsurance 100%

Prescriptions Deductible Only

Out of Pocket Maximum $2,500 $5,000

9

Health Reimbursement Account

• In Network Providers will bill Anthem directly and be paid directly out of the HRA account until the deductible is met

• Members do NOT need to submit anything to Anthem unless they visit an Out of Network Provider

• The HRA will cover the entire deductible for medically necessary services and covered for any services provided by an In Network Provider

10

How Does the Deductible Work?

• Single: Subject to the Individual deductible ($2,500).

• Family: Subject to the Family Deductible ($5,000). One or more members may contribute to and meet the entire Family deductible. Once the Family Deductible is met, all the members on the policy are considered to have met their deductible.

• Example: If a CDHP family deductible is $5,000, one person may contribute $5,000 to meet the entire family deductible OR two or more people on same plan may contribute any amount ($1,000 + $3,000 + $1,000) to equal the $5,000 family

11

Prescription Plan1. Present your ID card when you visit a pharmacy to make sure they

receive the right discount for their prescription.

2. At in-network pharmacies prescription expenses will be paid directly from the HRA. A claim will automatically be filed for the member, and the full discounted cost of the prescription will be deducted automatically from the HRA.

3. Once you’ve met your deductible and your traditional health coverage has kicked in, you’ll pay only the copay at the pharmacy, up to your plan’s annual out-of-pocket maximum.

4. If you have met your annual out-of-pocket maximum, the plan will pay 100% of the cost of your covered medications in network.

12

Earn Rewards

• Earn rewards in the form of gift cards for the followingo Completing the MyHealth Assessment online, $50 gift cardo Enroll in Health Coaching Program, $100 gift cardo Graduate form Health Coaching Program, $200 gift card

• Other opportunities to earn gift card rewards for Tobacco Free and Healthy Weight programs

• Fitness Benefits:o Fitness equipment reimbursement $200 per full time employee per

year or o Health Club Benefit up to $450 per full time employee per year

• Register on anthem.com and find specials offers at: SpecialOffers@anthem

13

Compass Healthcare

• Easy to Use: SmartShopper allows members to shop online or by phone for specific health care services. Members are able to access the information needed for their procedure in a short amount of time in order to be more informed medical consumers.

• Provides Choice: Members are presented with cost-effective options in their geographic area that qualify for financial rewards based on Compass procedure rankings.

• Rewards Cost-Effective Decisions: Members are rewarded with financial incentives by choosing to have their elective procedures performed at Compass-identified cost-effective locations.

14

Compass Healthcare

What do you need to know in order to use SmartShopper?• Everyone covered on your health plan is eligible to use SmartShopper.

• Shopping takes only minutes: A two minute phone call, or a few mouse clicks gives you the cost-effective information you need.

• To earn an incentive, shopping must occur AT LEAST 24 HOURS prior to the scheduled procedure.

• Use a cost effective location and your reward will be mailed to you automatically within 45 days from the time your claim is processed.

Dental Plan: Delta Dental

Benefit

Deductible (Major / Restorative only) $25 Per Person

Annual Maximum Benefit $1,500 Per Person

Preventive Services 100%

Basic Services 80%

Major / Restorative (deductible applies) 50%

Orthodontics 50%

Orthodontics Lifetime Maximum $1,500

16

Dental Plan: Delta Dental

Don’t Forget to Stretch your annual maximum dollars!

Seeing a PPO provider can save you money

If your dentist does not participate in the PPO Network, you still have the safety of the Premier Network

The PPO Network is new, only 24% of dentists in NH participate today, but it is growing . . .

If your dentist participates in the Delta Dental PPO Network, then your annual maximum will go further.

17

Dental Plan: Delta Dental

• CUSTOMER SERVICE:o 800-832-5700o WWW.NEDELTA.COM

Vision Plan: DeltaVision® Services Every 12 Months Network

Non-Network(Reimbursement)

Annual Vision Exam $10 Copay $35

Frames $130 Allowance $65

Standard Plastic Lens $25 Copay Single: $25 copayBi-focal: $40 copayTri-focal: $55 copay

Contact Lens(in place of frame lenses)

$130 Allowance Conventional: $104Disposable: $104

100% Employee Paid

19

Vision Plan: DeltaVision ®

• NETWORK: EyeMed “ACCESS NETWORK”o Local Providero Lens Crafterso Sears Opticalo Pearle Visiono Target Opticalo J.C. Penney Opticalo If your provider is not in-network, they can be at their request

20

Vision Plan: DeltaVision ®

• CUSTOMER SERVICE: 866-723-0513o WWW.EYEMEDVISIONCARE.COM o Monday to Saturday, 7:30 AM to 11:00 PM, ESTo Sunday, 11:00 AM to 8:00 PM, EST

• CLAIMS:o Network: Show your ID Card to the provider and they take care of

the resto Non-Network: Pay in advance for the service and submit a claim

form for reimbursement

• NEAREST PROVIDER to White Mountains Community Collegeo Tremaine Opticians, 148 Main Street, Berlin, NH (603-752-3382)

21

Life Insurance: The Standard

• LIFE INSURANCE: 100% Paid by CCSNHo ONE Times Annual earningso Minimum Benefit of $25,000o Maximum Benefit of $200,000o Equal amount of Accidental Death Benefitso Eligibility: 37.5 Hours

22

VOLUNTARY Life Insurance: The Standard

• VOLUNTARY LIFE INSURANCE and AD&D: 100% Employee Paido Prior Eligible Applicants: Subject to Underwritingo Employee:

o Units of $25,000o Maximum of $100,000o Minimum of $25,000

o Spouse:o Maximum: Lesser of $100,000 or 100% of Employee Election o Plan 1: Units of $10,000 without AD&Do Plan 2: Units of $25,000 WITH AD&D

o Children:o $3,000 Benefit

23

Long Term Disability: The Standard

• Long Term Disability: 100% Paid by CCSNHo Eligibility: 37.5 Hours Per Weeko Benefit:

o 60% of Earningso Maximum Benefit of $6,000 per Montho Waiting Period: 180 days (6 months)o Benefit Period: to age 65 (if 62+, benefit period is adjusted)

24

Flexible Spending Account

Employee Savings

Monthly Account Fee: Paid by Employee o FSA Administration Fee: $3.50 per month

o Dependent Care Administration Fee: $3.50 per month

o Debit Card Fee: $0.65 per month

Minimum Health Care Annual Contribution: $200

Minimum Health Care Annual Contribution: $2,500

Maximum Dependent Care Annual Contribution: $5,000

25

Open Enrollment

• Health Plan: • Select the PPO / National Plan• Change your election• Add / Drop dependents

• Dental Plan:• Change your election • Add / Drop Dependents

• Vision Plan: Enroll for benefits• Voluntary Life: Enroll for benefits / Change election• Flexible Spending: Continue / Enroll for benefits• Medical Buy Out: Continue / Enroll for benefits

www.ccsnh.edu/about-ccsnh/human-resources

Open Enrollment Dates

October 28th to November 20th

26

Questions??

Tom HarteLandmark Benefits, Inc.

20 Mary E. Clark Drive, Ste. 10Hampstead, New Hampshire 03841

P: 603-329-4535www.landmarkbenefits.com