In this issue

2 • OE2016Checklist• NewDentalprovider

3

The TorchispublishedmonthlybytheStatePersonnelDepartment

andisavailableonlineatwww.in.gov/spd

Submityourstoryideasto:spdcommunications@spd.in.gov

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9 • Effectivedates• PeopleSoftelectionsteps

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November 2015

• StatecontinuestoofferHealthSavingAccounts

4• NochangestotheNon-TobaccoUseAgreement

• KnowyourHealthPlanoptions

Don’t forget to get your flu shot!

Thisspecial editionisdedicatedto2016OpenEnrollment.Pleasereviewalltheenclosedinformationconcerningyourhealthcarecoverage.Duringthisperiod,youcanchoosetomakeadditionsorchangestoyourbenefitselections.Allopenenrollmentcommunicationsincludingcarrierinformation,ratesandplansummaries,arepostedontheStatePersonnelDepartment’swebsite:www.in.gov/spd/openenrollment.AlsoSPDwillreleasetheOpenEnrollment2016bookletonOct.27viaemailandonthewebsite.This Open Enrollment information does not apply to conservation officers, excise officers, Indiana State Police plan participants, temporary employees or contractors.

2016 Open Enrollment

KrogerpharmacistsarehostingaflushotclinicsatmanystatefacilitiesacrossIndiana.Visitourwebsitetoseealistofupcomingclinics.IfyoudonotcarryStateinsurance,thecostis$20payablebycashorcheck. Please Note:ifyouplantobringachildundertheageof11,itisnecessarytohaveawrittenprescriptionfromthedoctororapharmacisttoadministerafluvaccine.Sincepreventivecareservicesarecoveredbythehealthplanat100percent,employeeswiththestate’shealthplanandtheireligibledependentsshouldgetvaccinated.

YoumustbringyourAnthemIDcardandacompletedwaiverpriortoreceivingthevaccination:

• Inactivatedshotconsentform-Learn more• Livenasalvaccineconsentform

KrogerPharmaciesarealsoadministeringvaccinesatparticipatingretaillocations.Vaccinationsmayalsobeadministeredatyourdoctor’soffice,retailpharmacyornearbywalk-inclinic.Evenatanyoftheselocations,thestate’shealthplancovers100percentofthecost,ifyoucarrystateinsurance.

The Torch2

Checklist

For2016,therearenewratesforthemedicalanddentalplans,aswellasanewdentalprovider.Anumberofresourcesareavailabletohelpyouestimateyour2016expenses,compareplansandbecomeamoreinformedconsumer.

UsethischecklisttohelpguideyouthroughthestepstoasuccessfulOpenEnrollment:

EducateyourselfaboutchangesoccurringJan.1,2016.AccessyourHRPeopleSoftaccount.Confirmorupdateyourpersonalinformationincludingyourhomeand/ormailingaddress,e-mailaddress,phonenumberandethnicgroup.Ifyouwishtodropyourinsurancecoverageyouwillneedtoselectwaive.Ifyouareeligibleforthe2016WellnessCDHPyouwillneedtoselectthisoptiontoenrollintheplanifyouwerenotcoveredunderthe2015WellnessCDHP.Ifyouwereenrolledinthe2015WellnessCDHP,butdonotqualifyforthe2016WellnessCDHPyourplanwilldefaulttoCDHP1unlessyoumakeanewselection.Reviewyoureligibledependentsandbeneficiaries.• Youneedtoenrollalleligibledependentsineachbenefitplanyou

choose.• Removeallineligibledependentsfromallofyourbenefitplans.• Updatepersonalinformationforeachdependentand/orbeneficiary• Addyourdependentsocialsecuritynumbers.• Fordependent/beneficiarynamechanges,pleasecontacttheBenefits

Hotlineat317-232-1167ortollfreeat877-248-0007(ifoutsideoftheIndianapolisarea).

Checkyourcurrentelectionsormakenewelections.Itisimportantthatyoureviewthedependentsenrolledoneachofyourplans.IfyouhaveaHealthSavingsAccount,youwillneedtoenteryourannualcontributionamount.IfyouhaveaFlexibleSpendingAccount,youwillneedtore-electorre-stateyourannualcontributionamount.AcceptordeclinetheNon-TobaccoUseAgreementfor2016.RemembertoprintanElection Summaryafteryouhavesubmittedyourelectionsforyourrecords.

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Check the list as you go through the process New dental provider for 2016

Dental coverage

StatePersonnelispleasedtoannouncethatasofJanuary1,AnthemwillbethenewDentalprovider.Ifyouarecurrentlyenrolledindental,yourcoveragewillautomaticallytransfertoAnthem.However,ifyouwishtoenroll,changeyourlevelofcoverageorchangeyourdentaldependents,youwillneedtoactivelymaketheseselectionswithinyourOpenEnrollmentevent.

Inadditiontotheinsuranceproviderchange,thestateisexcitedtoannouncethattheorthodonticservicesbenefitwillbeincreasing.Thenewlifetimemaximumfororthodonticserviceswillbe$1,500pereligibleperson.

AnthemDentalCompletewillcontinuetoprovide100percentdiagnosticandpreventivecoverage,aslongasanin-networkdentistisused.Theplanalsocovers100percentofemergencypalliativetreatment(usedtotemporarilyrelievepain),x-raysandsealants(topreventdecayofpitsandfissuresofpermanentbackteeth).Therearelimitstothecoverageofsealants,however,socheckwithAnthembeforeagreeingtothetreatment.Youcansavemoneybyusinganin-networkdentist.Tofindanin-networkdentistpleasevisitAnthem.comandsearchdentistwithintheAnthemDentalCompletenetwork.

Pleasebeawarethatthedentalrateshavechangedslightlyfromlastyear.Belowisabreakdownofthecost.

• View 2016 Anthem Dental Benefits Summary

Dental 2016Bi-WeeklyRate

Single $1.32

Family $3.42

Read more on page 12 about Castlight

The Torch 3

Know your health plan options and including the 2016 changesTheStateisagainofferingfourstatewidemedicalplansfor2016:WellnessConsumer-DrivenHealthPlan(WellnessCDHP),Consumer-DrivenHealthPlan1(CDHP1),Consumer-DrivenHealthPlan2(CDHP2)andTraditionalPreferredProviderOrganization(PPO).AllfouravailableplansareintheBlue Access PPO networkwithAnthemandhaveaprescriptiondrugplanthroughExpressScripts.Eachplanhasdifferencesinpremiumcosts,deductiblesandout-of-pocketmaximums.

Pleasenote:inordertobeeligibletoenrollinthe2016WellnessCDHPyoumusthaveattainedSilverStatusinHumanaVitalitybyAugust31,2015.IfyouqualifiedfortheWellnessCDHPandwishtoenrollintheplanfor2016,youmustselectthisoptionwithinyourOpenEnrollmentevent.Youwillnot be automatically enrolledintheplanunlessyouwereenrolledintheWellnessPlanforthe2015planyear.Ifyouwereenrolledinthe2015WellnessCDHPbutdonotqualifyforthe2016WellnessCDHPyourcoveragewillautomaticallybeswitchedtotheCDHP1,unlessyouactivelyelectanotherplan.

Family Out-Of-Pocket Change for Wellness CDHP and CDHP 1Onesignificantchangeintheplansforthisyearistheadditionofanindividualembeddedout-of-pocketmaximumforthefamilyWellnessCDHPandCDHP1.Theindividualembeddedout-of-pocketmaximumwillsavefamiliesmoneybylimitingthecostspentonanyonepersonto$6,850.Onceafamilymembermeetstheindividualembeddedout-of-pocketmaximumallclaimsincurredbythatfamilymemberwillbe100percentpaidbytheplan.Theotherfamilymembersontheplanwillcontinuetopaythecoinsuranceamountsforanyclaimstheyincuruntilthefamilyout-of-pocketmaximumof$8,000isobtained.

Wellness CDHP

CDHP 1 CDHP 2 Traditional PPO

DeductibleSingle $2,500 $2,500 $1,500 $750/$1,500Family $5,000 $5,000 $3,000 $1,500/$3,000

Out-of-Pocket MaximumSingle $4,000 $4,000 $3,000 $3,000/$6,000

Family $8,000 $8,000 $6,000$6,000/$12,000

-IndividualEmbedded

$6,850 $6,850 N/A N/A

Co-Insurance In-Network

20% 20% 20% 30%

Out-of-Network 40% 40% 40% 50%

Here are the differences at a glance:

Wellness CDHP CDHP 1 CDHP 2 Traditional PPO

Prescription drugs

Retail(30daysupply)

Mail(90daysupply)

Retail(30daysupply)

Mail(90daysupply)

Retail(30daysupply)

Mail(90daysupply)

Retail(30daysupply)

Mail(90daysupply)

Preventive(mandated by the ACA)

$0no

deductible

$0no

deductible

$0no

deductible

$0no

deductible

$0no

deductible

$0no

deductible

$0no

deductible

$0no

deductible

Generic $10copay $20copay $10copay $20copay $10copay $20copay $20copay $40copay

Brand, Formulary

20%Min$30Max$50

20%Min$60Max$100

20%Min$30Max$50

20%Min$60Max$100

20%Min$30Max$50

20%Min$60Max$100

30%Min$40Max$60

30%Min$80Max$120

Brand, Non-formulary

40%Min$50Max$70

40%Min$100Max$140

40%Min$50Max$70

40%Min$100Max$140

40%Min$50Max$70

40%Min$100Max$140

50%Min$70Max$90

50%Min$140Max$180

Specialty40%

Min$75,max$150(30daysupply)

40%Min$75,max$150(30daysupply)

40%Min$75,max$150(30daysupply)

50%Min$100,max$175

(30daysupply)

Medical plan options

Wanttoviewanindividual’soutofpocketexample?Click here.

The Torch4

HSAAccount

CoverageInitial

ContributionBi-Weekly

ContributionMonthly

Contribution

MaximumAnnual ER

Contribution

Wellness HSA

Single $625.56 $24.06 $52.13 $1,251.12Family $1,251.12 $48.12 $104.26 $2,502.24

HSA 1Single $500.76 $19.26 $41.73 $1,001.52Family $1,001.52 $38.52 $83.46 $2,003.04

HSA 2Single $299.52 $11.52 $24.96 $599.04Family $599.04 $23.04 $49.92 $1,198.08

TheStatewillcontinuetocontributeapproximately39percentormoreoftheConsumer-DrivenHealthPlan(CDHP)annualdeductibletoyourHealthSavingsAccount(HSA)in2016dependingonwhatplanyouchoose.TheinitialcontributionwillbemadeonthefirstchecksinJanuary.EmployeesenrolledinaCDHPeffectivefromJan.1,2016,throughJune1,2016,willreceivethefullpre-fundamount.CDHPseffectiveafterJune2,2016,butbeforeDec.2,2016,willreceiveone-halfoftheinitialcontribution.Theinitialpre-fundcontributionisbasedonthecoveragetype(single/family)thatiseffectiveJan.1,2016.

IfyouhaveanactiveHSAwithTheHSAAuthorityatOldNationalBankandwishtocontinuereceivingtheState’scontributionsin2016,youdonotneedtoopenanewHSAaccount.

Ifyouwishtochangeyourcontributiontoyouraccountorbegincontributingfor2016,youneedtoaccessyourPeopleSoftrecordandenteryourdesiredcontribution. If you do not change your HSA contribution, it will not carry over for the 2016 plan year.

State continues to contribute to Health Savings AccountMedical savings

Contributionsarealloweduptothemaximumstatutorylimit.Themaximumannualcontributionfor2016is$3,350forself-onlypoliciesand$6,750forfamilypolicies.Individualsage55andovermaymakeanadditionalcatchupcontributionofupto$1,000in2016.

Combinedhouseholdcontributionscannotexceedthefamilylimit.Themaximumincludesthestate’s

contributionsandanyothercontributionstoyourHSA.

HSAs have a maximum contribution limit

IfyouareelectingtoparticipateinaHSAforthefirsttimein2016,youmustedittheonlineHSAoptioninPeopleSoftandchoosetheHSAthatcorrespondstoyourmedicalCDHPelectioninordertoreceivethestate’scontribution.InadditiontoelectingtheHSAoption,youwillneedto

openanHSAaccountwithTheHSAAuthoritybeforeJan.1,2016.

Asareminder,tobeeligibleforanHSAyou:• MustbecurrentlyenrolledinanHSA-qualifiedhealthplan;

• Maynotbeenrolledinanyothernon-HSAqualifiedhealthplan;

• Maynothave,orbeeligibletouse,ageneralpurposeflexiblespendingaccount(FSA);

• Cannotbeclaimedasadependentonanotherperson’staxreturn;

• MaynotbeenrolledinMedicare,Medicaid,HIPorTricare;

• MustnothaveusedVAbenefitsforanythingotherthanpreventativeservicesinthepastthreemonths.

ToopenyourHSA,linktoTheHSA

Authority’swebsitefromPeopleSoftonyourHSAelectionpage,orgodirectlytowww.theHSAauthority.comandclickonthe“EnrollNow”button.Thefirstpageofthisonlinesessionsays:IfyouhavebeeninstructedbyyouremployertovisitthissitetoopenyourHSA,clickthisbuttonandinsertyouremployercodebelow.Enter 100366inthe“employercode”anditwillbeginthestateapplication.

YouwillneedthefollowinginformationtocompletetheHSAapplicationonline:

1. Driver’slicense2. SocialSecuritynumber,date

ofbirthandaddressforyourbeneficiaries

3. SocialSecuritynumber,dateofbirthandaddressforyourauthorizedsigner(ifselected)

4. Securitypasswordsforyouandyourauthorizedsigner(basedontheanswertooneofthefivequestionsyouselectduringtheapplicationprocess)

The Torch 5

FSA

FSAs can provide tax-free help for qualified medical expenses with no administration fee in 2016AFlexibleSpendingAccount(FSA)providesanotheropportunityforyoutobettercontrolyourhealthcaredollars.Bytuckingawaypre-taxdollarsfromyourpaycheck,youhaveanaccountthat’sdedicatedforthereimbursementofqualifiedmedical,visionanddentalexpenses.

Inaddition,thebi-weeklyemployeeadministrationfeeisbeingpaidbytheStateduringthe2016planyear,providingyouwithevenmoreopportunitiestosave.TheState’sFSAprogramisadministeredthroughKeyBenefitsAdministrators.AllFSAsofferedbythestatehaveause-it-or-lose-itrule.Moneyleftattheendoftheplanyearisnotrolledoverorreimbursed,soplancarefully.

TherearethreetypesofFSAs:MedicalCare,LimitedPurposeMedicalCareandDependentCare.MedicalCareandLimitedPurposeMedicalCareFSAaccountsallowemployeestousepre-taxdollarstocoverhealthcarecostsformedical,dental,vision,hearingandotherout-of-pocketexpensesnotpaidbyinsurance.

For2016,themaximumannualcontributionfortheMedicalCareandLimitedPurposeFSAsis$2,500.

ALimitedPurposeFSAmayonlybeusedfordental,visionandpreventivecareexpensesuntiltheminimumdeductibleofaCDHPismet($1,300forsingleand$2,600forfamily,perfederalregulations).Oncetheminimumdeductibleismet,theLimitedPurposeFSAcanbeusedasa

MedicalCareFSA.

IfyouareenrolledinaCDHP/HSA,yourFSAwillautomaticallybecomeaLimitedPurposeFSA.YoudonotneedtomeettheminimumdeductibletousethefundsinyourLimitedPurposeFSAfordentalandvisionexpenses.YoucanpayfordentalandvisionexpensesfromyourLimitedPurposeFSAatanypointduringtheyear.

ADependentCareFSAisusedtopayfordependentcareservices,suchaspreschool,summerdaycamp,beforeorafterschoolprogramsandchildorelderdaycare.DependentcareexpensesdonotincludemedicalexpensesandthereforecanbeusedevenifyouparticipateinaHSA.

DependentCareFSAsarenotfront-loaded.Portionsofyourbiweeklypayareputintoapre-taxaccounttopayforeligibledependentcarecoststhroughouttheyear.Currently,themaximumannualcontributionamountfortheDependentCareFSAis$5,000($2,500ifmarriedandfilingseparatetaxreturns).

• Viewmoreinformationanddownloadenrollmentinformationpackets.

Qualifying events allow for changesAfternoon(EST)onWednesday,Nov.18,youwillnotbeabletomakechangestoyourbenefits.Thismeansyoumustbecertainyouhaveelectedthecoveragethatisrightforyouandaddedalleligibledependentswhoyouwishtocovertoallplans(health,visionanddental).AfterOpenEnrollment,youcanonlymakechangesinconjunctionwithaqualifyingevent.

QualifyingeventsareregulatedanddefinedbytheIRS.Examplesinclude:

• Changesinyourlegalmaritalstatus(marriage,divorce,separation,annulmentordeathofspouse).

• Changesinthenumberofdependents(birth,adoption,placementforadoptionordeath).

• Changesinemploymentstatusforyouoryourspouse,suchasterminationoforchangeinemployment,astrikeorlockout,orthestartorendofanunpaidleaveofabsence.

• Changesindependenteligibilitystatus(suchasattainmentoflimitingage).

Ifyoudonotreportaqualifyingeventandcompleteanynecessarypaperworkwithin30calendardaysfromthedateofthequalifyingevent,youwillnotbeabletoadddependentsuntilthenextopenenrollmentperiod.Pleasenotethatanex-spouseisineligibleforcoverageasofthedayofdivorce.Itisimportantthatyoureportineligibledependentsevenifitisbeyondthe30dayperiodtominimizerecoveryofclaims.

Making changes

The Torch6

TheIRSestablishedHealthSavingsAccountsasamethodtoprovideindividualsataxadvantagetooffsettheirhealthcarecosts.Indoingso,theIRScreatedeligibilitycriteriatoqualifyfortheaccount.TobeeligibleforanHSAyou:

• MustbecurrentlyenrolledinanHSA-qualifiedhealthplan;

• Maynotbeenrolledinanyothernon-HSAqualifiedhealthplan;

• Maynothave,orbeeligibletouse,ageneralpurposeflexiblespendingaccount(FSA);

• Cannotbeclaimedasadependentonanotherperson’staxreturn;

• MaynotbeenrolledinMedicare,Medicaid,HIPorTricare;

• MustnothaveusedVAbenefitsforanythingotherthanpreventativeservicesinthepastthreemonths.

Basedontheaboveeligibilityqualifications,enrollinginMedicare,MedicaidorHIP2.0willdisqualifyyoufromhavingcontributionsintoaHealthSavingsAccount(HSA).Onceenrolledinanyoftheseplans,youmaynotreceiveormakeanycontributionsintoaHSA.FormoreinformationaboutHSAspleaseseeIRSPublication969atwww.irs.gov/pub/irs-pdf/p969.pdf.

AlthoughyoucannolongermakecontributionstoyourHSAonceyouarecoveredbyMedicare,MedicaidorHIP2.0themoneythathasaccumulatedinyourHSAfrompastyearsremainsyourstospend,tax-free,oneligibleexpenses,includingMedicareco-paysordeductibles,

HSA

Medicare, Medicaid and HIP disqualify you from having a Health Saving Account

visionexpensesanddentalexpenses.Ifyouareage65orover,youalsohavetheoptiontowithdrawthemoneyforanypurposeandpayonlytheincometaxwithoutpenalty.ThesamerulesalsoapplyifyoureceiveSocialSecuritydisabilitybenefitsandareenrolledinMedicare.

PleasereviewthebelowinformationcarefullyasitrelatestoyoureligibilitytoqualifyforanHSA.

MedicareIfyouelecttoreceiveSocialSecurityBenefitsatage62orolder,youwillautomaticallybeenrolledinMedicarePartAwhenyouturnage65.IfyouwishtoparticipateintheHSA,youshoulddeclinetoreceiveSocialSecurityretirementbenefitsandwaiveMedicarePartA.Keepinmindthattherearepotentialconsequencesifyouchoosetodeclineorpostponeyourenrollment.Additionally,ifyoudecidednottotakeMedicarewhenyoufirstqualify,pleasebeadvisedthatyourMedicarePartAstartdatemaybackdateuptosixmonthswhenyouapplyforSocialSecuritybenefits.Pleasecarefullyresearchallofyouroptionsbeforemakingyourdecision.

YoucanusefundsinyourHSAtopayforincurredeligiblemedicalexpensesforyourdependents(asdefinedbythefederalregulations),eveniftheyarenotcoveredunderyourmedicalplan,orhaveothercoverage,suchasMedicare.However,keepinmindthatifyourspouseisonMedicare,she/heisnoteligibletocontributetoanHSAinher/hisname,regardlessofwhetherornotshe/heiscoveredonyourmedicalplan.

Medicaid and HIP 2.0AccordingtoIRSregulations,anindividualwhoisenrolledinMedicaidisnoteligibletomakeorreceive

contributionsintoanHSA.Therearetaxconsequencestoboththeindividualandtheemployer,iftheemployerisalsocontributingtoanHSAfortheemployee.SimilartoMedicare,ifyourdependent(s)is/arecoveredbyMedicaidbutyouarenot,youmaycontinuetoreceivecontributionsintoyourHSA.Eligibilityisbasedonthesubscriber/accountholder.

TheAnthemVisionplanandpremiumswillremainthesamefor2016.ThroughBlueViewVisionSelect,youhaveaccesstoawideselectionofexperiencedopticians.Manyoftheseopticianarelocatedinconvenientretaillocationsandoffereveningandweekendhours.Togetthemostcostsavings,itisimportanttoseekcarefromanin-networkprovider.TofindoutwhichopticiansareinyournetworkpleasevisitAnthem.comorcallBlueViewVisionSelecttoll-freeat(877)254-9443.

UnderBlueViewVision,youareauthorizedtoreceiveaneyeexamevery12months,framesevery24monthsandcontactlensesonceevery12months.

• View 2016 Anthem Vision Benefits Summary

Vision plan is to remain the same

The Torch 7

TheNon-TobaccoUseIncentiveisbeingofferedagainforthe2016planyear.Youcanreceivea$35reductioninyourgrouphealthinsurancebi-weeklypremiumbyacceptingtheagreementduringOpenEnrollment.Byacceptingtheincentive,youareagreeingtonotuseanyformoftobaccoproductsin2016.Thisappliestoemployeeswhohaveneverusedtobaccoproducts,employeeswhohaverefrainedfromusingtobaccoproductsinpastyearsandtothoseemployeeswhohavedecidedtoquitusingtobaccoproductspriortoJan.1,2016.Keepinmind,byacceptingtheagreementyouareagreeingtobesubjecttotestingfornicotineatanytimeduringtheyear.TheNon-TobaccoUseAgreementmustbecompletedeachyearonline.

TheNon-TobaccoUseIncentiveisonlyavailabletoemployeeswhohaveenrolledinmedicalcoverage.Youwillnothaveaccesstotheagreementif

Non-tobacco use incentive

youwaivemedicalcoverageforplanyear2016.Thereductioninyourgrouphealthinsurancebi-weeklypremiumonlyappliestoyouremployeemedicalpremium,anddoesnotapplytoyourdental,visionorlifeinsurancepremiums.

IfyouaccepttheNon-TobaccoUseAgreementduringOpenEnrollmentandlaterusetobacco,youremploymentwillbeterminated.TheonlyexceptiontothejoblosspenaltyisifyourevoketheagreementbyloggingintoPeopleSoftandcompleting

theself-serviceprocesstochangeyouragreementpriortotheuseofanytobaccoproduct.IfyouneedtorevokeyouragreementandarenotsurehowtocompletetheprocessinPeopleSoft,calltheBenefitsHotlineandaspecialistwillwalkyouthroughit.Ifyourevoketheagreementyouwillberesponsibleforpayingthevalueoftheincentiveyouhavereceivedfortheyear.The$910isagreatincentive,butitcertainlyisn’tworthlosingyourjob.

TheNon-TobaccoUseIncentivedoesnotcarryoverfromyear-to-year.Ifyouwouldliketoparticipatein2016youmustaccessyourPeopleSoftrecordandaccepttheagreement.

Anyoneinterestedingettinghelptobecometobaccofree,logontoorcallQuitNowIndiana:www.quitnowindiana.comorcall1-800-QUIT-NOW(1-800-784-8669).Thisisafreeservice.

The Non-Tobacco Use Incentive will not change for 2016

AdultchildrenmaybecoveredundertheState’smedical,dental,visionanddependentlifeinsuranceplansuntiltheendofthemonthoftheir26thbirthday.Adependent’slastdayofcoveragewillbethelastdayinthemonthinwhichtheyturn26.DependentswillbeofferedCOBRAwhentheyloseeligibility.Spousesofadultchildren(deemedchildren-in-law)andgrandchildrenarenoteligibleforthiscoverage.

DisableddependentscanbeenrolledinanyofyourdesiredplansduringtheOpenEnrollmentperiodiftheyhavenotexceededthemonthinwhichtheyturn26.Priortoyourdependentturning26-years-old,youmustcontactAnthemat877-814-9709torequesttocontinue

yourdependentscoverageduetotheirdisability.YoumustsubmitsatisfactoryevidenceofthedependentsdisabilityanddependencytoAntheminaccordancewithAnthem’sdisableddependentcertificationandrecertificationprocedures.Theplanrequiresperiodicdocumentationafterthechildturnsage26.

Pleasenote:Inorderforadisableddependenttocontinuecoveragepastthemonthinwhichtheyturn26yearsofage,thatdependentchildmusthavebeendeemeddisabledpriortoage19.Ifadependentchildwasdeemeddisabledafterage19,theywillnotbeeligibletocontinuecoveragepastthemonththeyturn

age26.

YoumustaccessPeopleSoftduringopenenrollmentandedityourdependentinformation.Keepinmind,youwillhavetoenrollyourdependentsoneachplan(medical,dental,andvision)forwhichyoudesirecoverage.

Dependents

Children are covered up to the end of the month they turn 26

The Torch8

State plans provide creditable coverage

Notice

IfyouareMedicare-eligible,therearetwoimportantthingsyouneedtoknowaboutyourcurrentcoverageandMedicare’sprescriptiondrugcoverage.

First,Medicareprescriptiondrugcoveragebecameavailablein2006toeveryonewithMedicare.YoucangetthiscoverageifyoujoinaMedicarePrescriptionDrugPlanorjoinaMedicareAdvantagePlan(likeanHMOorPPO)thatoffersprescriptiondrugcoverage.AllMedicaredrugplansprovideatleastastandardlevelofcoveragesetbyMedicare.

Second,theState’sThirdPartyAdministratordeterminedthattheprescriptiondrugcoverageofferedbyExpressScriptsis,onaverageforallplanparticipants,expectedtopayoutasmuchasstandardMedicareprescriptiondrugcoveragepaysandisthereforeconsideredCreditableCoverage.BecauseyourexistingcoverageisCreditableCoverage,youcankeepthiscoverageandnotpayahigherpremium(apenalty)ifyoulaterdecidetojoinaMedicaredrugplan.

IfyouareconsideringjoiningMedicare’sprescriptiondrugcoverage,youshouldcompareyourcurrentcoverage,includingwhichdrugsarecoveredatwhatcost,withthecoverageandcostsoftheplansofferingMedicareprescriptiondrugcoverageinyourarea.

FormoreinformationaboutMedicare’sprescriptiondrugcoveragepleasevisit:www.medicare.gov.

Ifyouaredecliningenrollmentforyourselforyourdependents(includingyourspouse)becauseofotherhealthinsuranceorgrouphealthplancoverage,youmaybeabletoenrollyourselfandyourdependentsinthisplanifyouoryourdependentsloseeligibilityforthatothercoverage(oriftheemployerstopscontributingtowardyouroryourdependents’othercoverage).However,youmustrequestenrollmentwithin30daysafteryour,oryourdependents’othercoverageends(oraftertheemployerstopscontributingtowardtheothercoverage).

Inaddition,ifyouhaveanewdependentasaresultofmarriage,birth,adoption,orplacementforadoption,youmaybeabletoenrollyourselfandyourdependents.However,youmustrequestenrollmentwithin30daysafterthemarriage,birth,adoption,orplacementforadoption.

Torequestspecialenrollmentorobtainmoreinformation,contacttheBenefitsHotlineat317-232-1167(withinIndianapolis)ortollfree1-877-248-0007(outsidethe317areacode).

HIPAA Notice of Special Enrollment RightsHIPAA

Dualcoverageofthesameindividualisnotallowedunderthestate’shealth,dentalandvisionbenefitplans.Forexample,dualcoveragebytwostateemployeesisnotallowed,meaningthatifbothyouandyourspousearestateemployeeswithinsurancecoverage(oroneisacurrentemployeeandtheotherisaretiree),youmaynotcovereachotheronbothplansorhavethesamechildrenonfamilycoverage.Thisalsoappliestoparentsofchildrenwhoarenotmarriedtoeachother.Youmayeachelectasingleplan,onemaycarryfamilyandtheothermaywaivecoverage,oronemaycarryfamilywiththechildrenandtheothercarrysinglecoverage.

Asecondexampleoccurswhenanemployeewhohasretiredfromoneareaofstateemploymentbeginsactiveworkinanotherstateposition.Inthisinstance,youwillhavethechoicetocontinueyourretireecoverageandwaiveyouractiveemployeecoverage,orviceversa.However,youwillnotbepermittedtocarrystateretireeinsuranceandactivestateemployeecoveragesimultaneously.Dualcoverageisonlypermittedfordependentlife.

Dual coverage is not allowed under any planCoverage

Artwork by Jerry Williams

MinnesotaLifeInsuranceCompanyisintheprocessofrebrandingtheircompanynametoSecurian.Thenamechangewillnotimpactyourcoverage;however,pleasebeawarethatyoumaybegintoseecommunicationundertheSecurianname.

Name change for Minnesota Life Insurance Company

The Torch 9

YoucanaccessyourOpenEnrollmentevent24hours,sevendaysaweekfromWednesday,Oct.28throughnoonWednesday,Nov.18(EST).Keepinmind,youcanaccessyourOpenEnrollmenteventfromanycomputerthatallowsyouaccesstoPeopleSoft.

Helpfulhints:

1. YourUserIDisyourfirstinitialofyourfirstnamecapitalizedfollowedbythelastsix(6)digitsofyourPeopleSoftnumber.IfyouhaveforgottenyourPeopleSoftnumberpleasecontactyouragency’sHumanResourcesDepartmentforassistance.

2. Ifyouaccessthestatenetwork,thepasswordusedtologontoyourcomputercanbeusedtologintoPeopleSoft.

3. Forpasswordresets,networkconnectivityorissuesaccessingthewebsite,pleasecontactIOTCustomerServiceat(317)234-HELP(4357)orToll-Freeat1-800-382-1095,andfollowthemenuoptions.

4. WhenmakingyourelectionsinPeopleSoft,donotusetheBACK/FORWARDarrowbuttonsatthetopofyourwebbrowser.

5. Keepinmindyoumustturnoffyour“pop-upblocker”inordertoprintyourBenefitElectionSummary.

6. ForanybenefitrelatedquestionspleasecalltheBenefitsHotlineat317-232-1167orToll-Freeat877-248-0007(ifoutsideofthe317areacode).

IMPORTANT:Onceyouaresatisfiedwithyouropenenrollmentelections,itisessentialthatyousubmityourelectionsandprintaBenefitElectionSummaryforyourrecords.

Remember,youcanaccessPeopleSoftatanytimeduringtheyeartoreviewyourbenefitsorupdatecontactinformation.YoumayaccessPeopleSoftthroughanyofthebelowlinks:

• https://hr.gmis.in.gov/psp/hrprd/?cmd=login&languageCd=ENG&• http://www.in.gov/spdandclickonthePeopleSoftHRlinkonthe

rightside• http://myshare.in.gov/andselecttheOracleHumanResourceslink.

Toviewyourcurrentbenefitelections,youneedtologintoPeopleSoftandfollowthesesteps:ClickonSelfService,ClickonBenefitsandClickonBenefitSummary.Your2016benefitswillnotbeavailabletoviewuntilJan.1,2016.

Ifyouhavequestionsaboutyourelections,contacttheBenefitsHotline,7:30a.m.to5p.m(EST)MondaythroughFriday.Call317-232-1167withinIndianapolisareaor1-877-248-0007toll-freeoutsideIndianapolis

Submit your Open Enrollment elections through PeopleSoft

PeopleSoft steps

Health,dental,vision,HealthSavingsAccountandFlexibleSpendingAccountchanges/enrollmentswillbeeffectiveJanuary1,2016.

Deductionsforhealth,dentalandvisionwillbegin:

• Payroll A:Dec.16,2015(12daysatoldplans&rates;2daysfornewplans&rates)

• Payroll B:Dec.23,2015(5daysatoldplans&rates;9daysfornewplans&rates)

DeductionsfortheFlexibleSpendingAccountsandHealthSavingsAccountsbeginonthefollowingdates:

• Payroll A:Jan.13,2016• Payroll B:Jan.6,2016

EffectivedatesforLifeinsurancechangesandenrollmentswillvarydependingonwhichpayrollyouareinalongwiththedateyourdeductionswillbegin.

Payroll A: Effective:Jan.3,2016Deduction:Dec.30,2015

Payroll B: Effective:Jan.10,2016Deduction:Jan.6,2016

Direct Bill Effective:Jan.1,2016

When do my changes take effect?

Effective dates

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Help sessions are available

For2016plansummaries,rates,PeopleSoftinstructionsandotherOpenEnrollmentinformation,pleaselogontoourwebsite.

HelpsessionsareprovidedintheIndianaGovernmentCenterSouthTrainingRoom31throughoutOpenEnrollmentforthoseneedingassistancewithenteringelectionsandnavigatingthroughPeopleSoft.Hoursare(EST):

• Oct. 28 to Nov 6:8a.m.to3p.m.• Nov. 9 to Nov 13:8a.m.to4p.m.• Nov. 16 to Nov. 17:8a.m.to5p.m.• Nov. 18:8a.m.tonoon

IfyouhavespecificquestionsaboutOpenEnrollmentnotansweredontheStatePersonnelDepartment’swebsite,callore-mailaBenefitsSpecialistinStatePersonnel:

• 232-1167(withinIndianapolis)• Tollfree1-877-248-0007(outside

the317areacode)• E-mail:SPDBenefits@spd.in.gov

Support to help you achieve health goalsAnthem

TheStateiscommittedtoprovidingemployeeswithhelpfultoolsinordertoachieveamoreactiveandhealthypopulation.AllemployeesenrolledinanAnthemhealthplanreceivespecialservicesinconjunctionwiththeAnthem360°

Healthprogram.Anthem360°Healthprovidesyouwithsupporttohelpyouachieveyourhealthgoalsbyworkingwithyou,yourdoctorandotherhealthcareprofessionalstoassistyouinimprovingyourhealth.

RepresentativesfromtheAnthem360°programmaycontactyoutohelpyoureachyourhealthgoals.Visitwww.anthem.comformoreinformation.

Nurse LineNurseLineprovidesanytime,tollfreeaccesstonursesforanswerstogeneralhealthquestionsandguidancewithhealthconcerns.Anursecanhelpyouunderstandyoursymptomsorexplainmedicaltreatments.Everycallerreceivescredible,reliableinformationfromaregisterednurse.

TheNurseLineisavailable24/7bycalling1-888-279-5549.

Need help?

Grouphealthplansandhealthinsuranceissuersgenerallymaynot,underfederallaw,restrictbenefitsforanyhospitallengthofstayinconnectionwithchildbirthforthemotherornewbornchildtolessthan48hoursfollowingavaginaldelivery,orlessthan96hoursfollowingacesareansection.However,federallawgenerallydoesnotprohibitthemother’sornewborn’sattendingprovider,afterconsultingwiththemother,fromdischargingthemotherorhernewbornearlierthan48hours(or96hoursasapplicable).Inanycase,plansandissuersmaynot,underfederallaw,requirethataproviderobtainauthorizationfromtheplanortheissuerforprescribingalengthofstaynotinexcessof48hours(or96hours).

Newborns’ and Mothers’ Health Protection Act of 1996

FlexibleSpendingAccounts(FSA)provideanotheropportunitytosetasidepre-taxdollarsfromeachpaycheckforreimbursementofqualifiedmedicaland/ordependentdaycareexpenses.Themaximumcontributiontoamedicalflexiblespendingaccountin2016is$2,500annually.ThisappliestoboththemedicalFSAandthelimitedpurposemedicalFSA.ThedependentcareFSAwillcontinuetohavea$5,000annualcontributionlimit.

Youmustre-enrollinmedicalanddependentcareFSAseachyearifyouwishtocontinuetoparticipate.IfyoucontinueparticipationintheMedicalFSA,donotdiscardthedebitcardfromKeyBenefitAdministrators.Newcardsarenotautomaticallyissuedeachyear.

Forthe2016planyear,theStatewillpaythebi-weeklyadministrationfee.Asareminder,FSAshavea“use-it-or-lose-it”rule.Moneyleftattheendoftheplanyearisnotrolledoverorreimbursedsoplancarefully.

Are there other ways to save besides a HSA?FSA

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The life insurance tier system is changing But there are more opportunities to elect dependent life coverage

Life Insurance

StatePersonnelisexcitedtoannouncethatbeginningthisOpenEnrollment,youmayelectdependentlifeinsurancewithoutbeingenrolledinsupplementallife.Thischangeallowsyoutheopportunitytoelectdependentlifeinsurancewithoutenrollinginsupplemental.Pleasekeepinmindthatyouarestillrequiredtohavebasiclifeinsurancetobeeligibletoapplyforsupplementalordependentlife.

Also,itisimportanttonotethatwhilechildlifeinsuranceisguaranteedissueregardlessofwhentheapplicationismade,spouseliferequirescompletingtheEvidenceofInsurability(EOI)processtoacquireorincreasethecoverageleveloutsideofyournewhireelectionperiod.

DuringOpenEnrollment,youwillbeabletodecreaseyourcoveragelevelordropanyofyourlifeinsuranceplans.Youmayalsoupdateyourbeneficiaryinformationand/orallocationamountsthroughyourOpenEnrollmentevent.AllchangeswillbeeffectiveinJanuary.

OutsideofOpenEnrollmentyoumayacquireormakechangestoyourlifeinsuranceplansbycompletingtheEOIprocessatanytimethroughouttheyear.Allowablechangesincludeincreasingyourcoverageleveland/oraddinganeligiblespousetoyourdependentlifeinsuranceplan.ThisprocessappliestoallthreelifeinsuranceplanssponsoredbythestateofIndiana(basic,supplementalanddependentlife).

TheEOIapplicationcanbecompleted

onlineatanytimeatwww.LifeBenefits.com/SubmitEOI.Onaveragetheapplicationtakes10to30minutestocomplete.InstructionsonhowtosubmitEOIthroughSecuriancanbefoundatwww.in.gov/spd/2868.htm.Oncesubmitted,SecurianwillreviewyourapplicationandinformbothyouandSPDBenefitsofitsdecision.Ifapproved,SPDBenefitswillmaketheappropriatechangestoyourlifeinsuranceplansandstartthepremiumdeductions.

Pleasekeepinmind,youmayalsomakechangestoyourbeneficiaryinformationatanypointduringtheyearbyaccessingPeopleSoftself-service.Instructiononhowtochangeyourlifeinsurancebeneficiariescanbefoundatwww.in.gov/spd/2868.htm.Pleaseremember,youaretheonlyonewhocanchangeyourbeneficiaryinformation.

Reminder:Supplementallifeinsuranceisofferedtomostemployeesinincrementsof$10,000uptoandincluding$500,000,regardlessofsalarylevel.Employeesreachingage65orolderonorbeforeDec.31,2015,willbelimitedto$200,000ofsupplementallifeinsurancecoverage.Employeesattainingage65duringtheplanyearwillautomaticallybereducedto$200,000ofsupplementallifeinsurancecoverageandtheirpayrolldeductionsadjustedaccordingly.

Securian OpenEnrollmentisagreattimetoreviewyourcurrentlifeinsurancebeneficiaryinformation.ItonlytakesacoupleminutestoverifyyourbeneficiarydesignationsandupdatetheircontactinformationinyourOpenEnrollmentevent.Byroutinelycheckingthisinformationyouareassuringthatyouhaveallocatedyourlifeinsurancebenefitsasdesiredsincecertainlifeeventssuchasmarriage,divorcebirthordeathmaychangehowyouwouldlikeyourbenefitspaidout.

Inadditiontoconfirmingyourbeneficiaryallocation,youshouldalsoupdatetheircontactinformation.ItisextremelyimportantthatPeopleSofthasthecorrectaddressesandphonenumbersforallofyourbeneficiaries.Thisinformationisusedtoidentifyandlocateyourdesignatedbeneficiariesifaclaimwastobeprocessed.Withoutupdatedcontactinformationitmaytakeasignificantlylongerperiodoftimetopayoutaclaim.

Onceyouhavedesignatedyourbeneficiaries,itisagoodideaforyoutonotifythemofyourpolicyandyourdecisiontolistthemasabeneficiary.Providingpolicyinformationtoyourbeneficiariespriortoaclaimoccurringmakesadifficultsituationeasiertocopewithespeciallywhendealingwiththefinancialaspectoftheloss.

Note:AllbeneficiarychangesmadewithinyourOpenEnrollmenteventwilltakeeffectinearlyJanuarybasedonwhichpayrollyouareinalongwiththedateyourdeductionswillbegin.

Review and update your life insurance beneficiary information

Beneficiaries

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The Employee Assistance Program (EAP) has been upgraded for 2016

Anthem EAP

AsofJanuary1,2016,youwillhaveaccesstothreefree,confidentialin-personcounselingvisitswithalicensedtherapist,perissue,peryearwhencontactingtheEmployeeAssistanceProgram(EAP).Thisenhancementwillbeavailabletoallemployeesandtheirhouseholdmembersregardlessofinsurancecoverage.Additionally,Anthem’sEAPwillcontinuetooffer24hour,sevendaysaweekphoneandonlineaccesstoanabundanceofhealth,financialandlifestyleservicesfromexpertsandprofessionalswithintheirrespectivefields.

AsaStateemployeeyouhaveaccesstothefollowingprivateandconfidentialtoolsaimedathelpingyoubalanceyourworkandhomelife:

• Counseling sessions.Threeface-to-facesessions,perissue,withalicensedtherapist–nodeductiblesorcopayseffectiveJanuary1,2016.Ifyouneedfurtherassistance,yourEAPcanhelpyoucoordinatewithavailableresource.

• Assistance with legal and financial concerns,includinga30-minuteinitialconsultation,perissue,withaqualifiedattorneyorfinancialadvisor.

• Dependent care referrals.Locatechildandeldercareprovidersusingon-linetoolsorcallingyourEAPdirectly.

• Convenience services.Obtainresourcesandinformationonpetsitters,educationalchoicesforyouoryourchildren,summercampprogramsandmuchmore.

• Website – anthem.EAP.com.Containsacomprehensivelevelofresourcearticles,self-assessments,audioandvideomaterialcoveringemotionalwell-being,healthandwellness,theworkplace,andlifeissuessuchaschildcare,eldercare,adoptionandeducation.

• Smoking cessation.Accesstelephonictobaccocessationcoachingforsmokingandchewing,coachingsupportwithweightmanagementasitrelatestothecessationprogram,10-sessiononlineLivingFreebehaviorchangemoduleandtobaccocessationtipsheets.

• ID recovery and credit monitoring.Assessyourrisklevelandidentifystepstoresolvepotentialidentitytheft.YourEAPcanhelpyoucompleteanynecessarypaperwork,willreporttoconsumercreditagenciesforyou,andnegotiatewithcreditorstorepairyourdebthistory.

• Member center.IncludesaccesstoalistingofEAPprovidersinyourpreferredareaandroutinecounselingreferralservice.

ToaccessAnthem’sEAPonlineresourcespleasevisitthewebsiteatwww.AnthemEAP.com.Fromthehomepage,clicktheMembersLoginbuttonontheleft-handsideofthepage.ThenextpagewillaskyoutoenteryourcompanynamewhichisStateofIndiana.Onceyou’vehitthe“LogIn”button,alloftheseservicesareopentoyou.Free24hour,sevendayaweekaccessisavailablebycalling(800)223-7723.Alloftheseresourcesareconfidentialandavailabletoyourdependentsandmembersofyourhousehold.

Castlightgivesyoutheinformationyouneedtomakesmarthealthcaredecisionsforyouandyourfamily.UsingCastlightonlineorthroughthemobileapp,youcan:

• Comparenearbydoctors,medicalfacilities,andhealthcareservicesbasedonthepriceyou’llpayandqualityofcare.

• Seepersonalizedcostestimatesbasedonyourlocation,yourhealthplan,andwhetherornotyou’vealreadypaidyourdeductible.

• Reviewstep-by-stepexplanationsofpastmedicalspendingsoyouknowhowmuchyoupaidandwhy.

Castlightlistspricesfordoctorsandservicesthathavebeenusedbystateemployees.Althoughallmedicalservicesmaynothaveprices,themostcommononeswill,andnewservicesareaddedeverymonth.

Castlightletsallstatemedicalplanmemberssharethecostsoftheirmedicalservicesinacompletelyanonymousandprivateway.Inthisway,memberscanhelpeachotherlowermedicalcostsforthemselvesandtheStatebyshoppingformedicalservices.

GetstartedwithCastlighttoday!Registerathttps://mycastlight.com/stateofindiana.

Spend your healthcare dollars wisely

Healthcare dollars

The Torch 13

Who is an eligible dependent?Coverage

OpenEnrollmentisagoodopportunitytodoublecheckthedependentsenrolledinallofyourplanswiththestateofIndiana.Makesureyouhaveaddedeligibledependentstoalltheplansyouintendedincludingdentalandvision.Converselyitisimportantthatyouremovealldependentsthatarenolongereligibleorthatyoudonotwishtocoverduringthistimeperiod.Beginning2016thedefinitionofaneligibledependentisasfollows:

“Dependent”means:(a)Spouseofanemployee;(b)Anychildren,step-children,fosterchildren,legallyadoptedchildrenoftheemployeeorspouse,orchildrenwhoresideintheemployee’shomeforwhomtheemployeeorspousehasbeenappointedlegalguardianorawardedlegalcustodybyacourt,undertheageoftwenty-six(26).Suchchildshallremaina“dependent”fortheentirecalendarmonthduringwhichheorsheattainsagetwenty-six(26).

Intheeventachild:i.)wasdefinedasa“dependent”,priortoage19,andii.)meetsthefollowingdisabilitycriteria,priortoage19:

• isincapableofself-sustainingemploymentbyreasonofmentalorphysicaldisability,

• resideswiththeemployeeatleastsix(6)monthsoftheyear,and

• receives50percentofhisorherfinancialsupportfromtheparent

Suchchild’seligibilityforcoverageshallcontinue,ifsatisfactoryevidenceofsuchdisabilityanddependencyisreceivedbytheStateoritsthirdpartyadministratorinaccordancewithdisableddependentcertificationandrecertificationprocedures.Eligibilityforcoverageofthe“Dependent”willcontinueuntiltheemployeediscontinueshiscoverageorthedisabilitycriteriaisnolongermet.ADependentchildoftheemployeewhoattainedage19whilecoveredunderanotherHealthCarepolicyandmetthedisabilitycriteriaspecifiedabove,isaneligibleDependentforenrollmentsolongasnobreakinCoveragelongerthansixty-three(63)dayshasoccurredimmediatelypriortoenrollment.Proofofdisabilityandpriorcoveragewillberequired.Theplanrequiresperiodicdocumentationfromaphysicianafterthechild’sattainmentofthelimitingage.

Forthe2016benefitplanyear,AnthemwilladministerthedisableddependentverificationprocessfortheState’smedical,dentalandvisionplans.Anthemwillrequestverificationofdisabilityforyourdependent(s)inearly2016inordertodetermineeligibilitytocontinuecoverageunderyourhealthplan(s).Please note:thelanguageregardingdisableddependenthasbeenexpanded.

Ifyouhavequestionsorconcernsaboutdependentcoverage,pleasefeelfreetocontactStatePersonnelat1-877-248-0007outsidethe317areacodeor317-232-1167locally.

Continue to engage with HumanaVitalityWhetheryouattainedSilverStatusbyAugust31ornot,continuetoengagewithHumanaVitality!Thehealthandwellnessbenefitsfromtheprogramrunfarbeyondthequalificationdeadline.AsyoucontinuetoengagewithHumanaVitality,youcankeepincreasingyourVitalityStatusbyearningmorepointsandbucksthroughouttheremainderoftheyear!AsyourVitalityStatusincreases,sodoesthediscountyoureceiveintheHumanaVitalitymall.YoumayredeemyourVitalityBucksthroughthemallforcoolprizessuchasfitnessdevices,bikes,giftcardsandmuchmore!

AfewthingstokeepinmindasyoucontinuetoearnVitalityPointsandBuckswhiletheNewYearapproaches:

• 10percentofyourtotalpointsattheendoftheyearwillrolloverto2016.Thismeansthatthemoreyoudothisyear,theeasierqualifyingcouldbeforyounextyear!

• AnyunusedVitalityBucksstaywithyouinto2016andbeyond!VitalityBucksexpirethreeyearsfromtheendoftheprogramyearinwhichtheywereearned.Forexample,anyunusedVitalityBucksearnedin2015staywithyouuntilyear’sendin2018,assumingyouarestillenrolledinHumanaVitality.

• Doyouenjoyreceivinga10percent,20percent,or40percentdiscountintheHumanaVitalityMallwithyourVitalityBucks?Thisisalldependentonyourrewardstatus,whichwillrolloverwithyouin2016,onceyouhavecompletedtheHealthAssessmentintheNewYear!Youmaycheckyourrewardstatusbyscrollingover“GetHealthy”andclickingon“AchievementDashboard.”

Not signed up for HumanaVitality? See page 14

Wellness

The Torch 14

For Eligible Participants: HIP Link Power account vs. Health Savings Accounts

Coverage

Enrollinginthestate’snewHIPLinkprogramallowsmemberstoreceiveassistanceforthecostofhealthinsurance.HIPLinkisaninnovativenewpartoftheHealthyIndianaPlanthathelpscoveraportionofthemember’shealthinsurancecostsandout-of-pocketmedicalexpenses(copaymentsforofficevisits,deductibles)whentheyenrollintheiremployer’shealthplan.Thisisaccomplishedwitha$4,000PersonalWellnessandResponsibility(POWER)accountthatissimilartoaHealthSavingsAccount(HSA).EligibleemployeeswhowouldliketoenrollinHIPLinkbutwhoalreadyhaveanexistingbalanceinanHSAcankeeptheHSAopenandcontinuetousethefundsavailabletopayforeligiblemedicalexpensesevenafterenrollinginHIPLink.However,toavoidpossibletaxpenalties,HIPLinkmemberscannotreceiveemployercontributionsoraddfundstotheirHSAwhileenrolledinHIPLink.

Activatingamembershipissimple!Visitour.humana.com/investinyourhealth/andfollowthesesteps:

1. Clickthegreen“signinorregister”buttonandthen“registernowasanewuser”link.

2. Click“GetStarted”button.3. UnderthegreenRegistration

heading,therearethreetabs.Choosethefarrighttabtitled“Allothermembers”.IfyoudonothaveyourHumanaIDcardyet,youcanenteryourbirthdateandsocialsecuritynumber

HIP Link POWER Account HSA

$4,000permemberannuallyavailabletocoveraportionofpremiumcostandmedicalexpenses.

$599-$2500contributedbytheStatetouseforeligiblemedicalexpenses.

KeepexistingaccountandbalanceinanHSAifalreadyopenedthatcanbeusedforeligiblemedicalexpenses.

Usebalancetopayforeligiblemedicalexpenses.

Unusedcontributionsmayhelpreducecostsinnextyear’senrollment.

Unuseddollarsremainintheaccountandareyourstouseforqualifiedexpensesevenafteremploymentends.

P P

P P

P P

HumanaVitality,anincentivebasedwellnessprogram,empowerspeoplewiththetoolsnecessarytoreachtheiroptimalhealth.Byparticipatinginhealth-relatedactivitiesthatcanbetrackedandmeasured,suchastakingwellnessclasses,exercisingandgettingregularmedicalcheck-upsandscreenings,membersearnVitalityPointswhichareusedtodeterminetheirVitalityStatus.MembersearnaVitalityBuckforeveryVitalityPointearned,whichtheycanredeemforproducts,servicesanddiscountswithHumanaVitality’spreferredpartners.HumanaVitalityisavailabletoemployees(andtheircovereddependents)enrolledinamedicalplanofferedthroughtheStatePersonnelDepartment.

ThefollowingtableprovidesabriefsummaryoftheHIPLinkPOWERAccountascomparedtotheState’sHSA:

ToenrollinHIPLink,simplycall1-800-403-0864.Forquestionsabouttheprogramorthismessage,contactSaraHallat317-234-8030.IfyouarenotcurrentlyenrolledinamedicalplanprovidedbySPD,butqualifyforHIPLink,youmayenrollincoverageduringtheopenenrollmentperiodfor

coverageeffectiveJanuary1,2016.IfyouwouldlikemoreinformationaboutHIPLink,gotowww.in.gov/fssa/hip/2489.htm.Youmayalsocall1-877-GET-HIP-9tolearnmoreaboutyouroptionsandreceivecounselingtohelpyoudeterminewhathealthcoverageoptionisbestforyou.

tofinishtheregistration.• Dependents/Spouses:have

themcreateanaccountaswell!TheywillhaveadifferentHumanaIDnumberthantheplanholder.IftheydonotknowtheirHumanaID,youcanusetheirbirthdateandsocialsecuritynumberinstead.

4. YoucanalsosetupyouraccountbydownloadingtheHumanaVitalitymobileappfromyourmobiledeviceappstore.

Start now! Sign up for HumanaVitality today

Premium Assistance Under Medicaid and the Children’s Health Insurance Program (CHIP)

If you or your children are eligible for Medicaid or CHIP and you’re eligible for health coverage from your employer, your state may have a premium assistance program that can help pay for coverage, using funds from their Medicaid or CHIP programs. If you or your children aren’t eligible for Medicaid or CHIP, you won’t be eligible for these premium assistance programs but you may be able to buy individual insurance coverage through the Health Insurance Marketplace. For more information, visit www.healthcare.gov.

If you or your dependents are already enrolled in Medicaid or CHIP and you live in a State listed below, contact your State Medicaid or CHIP office to find out if premium assistance is available.

If you or your dependents are NOT currently enrolled in Medicaid or CHIP, and you think you or any of your dependents might be eligible for either of these programs, contact your State Medicaid or CHIP office or dial 1-877-KIDS NOW or www.insurekidsnow.gov to find out how to apply. If you qualify, ask your state if it has a program that might help you pay the premiums for an employer-sponsored plan.

If you or your dependents are eligible for premium assistance under Medicaid or CHIP, as well as eligible under your employer plan, your employer must allow you to enroll in your employer plan if you aren’t already enrolled. This is called a “especial Enrollment” opportunity, and you must request coverage within 60 days of being determined eligible for premium assistance. If you have questions about enrolling in your employer plan, contact the Department of Labor at www.askebsa.dol.gov or call 1-866-444-EBSA (3272).

If you live in one of the following states, you may be eligible for assistance paying your employer health plan premiums. The following list of states is current as of July 31, 2015. Contact your State for more information on eligibility –

ALABAMA – Medicaid GEORGIA – Medicaid

Website: www.myalhipp.com

Phone: 1-855-692-5447

Website: http://dch.georgia.gov/

- Click on Programs, then Medicaid, then Health Insurance Premium Payment (HIPP)

Phone: 404-656-4507

ALASKA – Medicaid INDIANA – Medicaid

Website: http://health.hss.state.ak.us/dpa/programs/medicaid/

Phone (Outside of Anchorage): 1-888-318-8890

Phone (Anchorage): 907-269-6529

Website: http://www.in.gov/fssa

Phone: 1-800-889-9949

COLORADO – Medicaid IOWA – Medicaid

Medicaid Website: http://www.colorado.gov/hcpf

Medicaid Customer Contact Center: 1-800-221-3943

Website: www.dhs.state.ia.us/hipp/

Phone: 1-888-346-9562

FLORIDA – Medicaid KANSAS – Medicaid

Website: https://www.flmedicaidtplrecovery.com/

Phone: 1-877-357-3268

Website: http://www.kdheks.gov/hcf/

Phone: 1-800-792-4884

KENTUCKY – Medicaid NEW HAMPSHIRE – Medicaid

Website: http://chfs.ky.gov/dms/default.htm

Phone: 1-800-635-2570

Website: http://www.dhhs.nh.gov/oii/documents/hippapp.pdf

Phone: 603-271-5218

LOUISIANA – Medicaid NEW JERSEY – Medicaid and CHIP

Website: http://dhh.louisiana.gov/index.cfm/subhome/1/n/331

Phone: 1-888-695-2447

Medicaid Website: http://www.state.nj.us/humanservices/

dmahs/clients/medicaid/

Medicaid Phone: 609-631-2392

CHIP Website: http://www.njfamilycare.org/index.html

CHIP Phone: 1-800-701-0710

MAINE – Medicaid NEW YORK – Medicaid

Website: http://www.maine.gov/dhhs/ofi/public-assistance/index.html

Phone: 1-800-977-6740

TTY 1-800-977-6741

Website: http://www.nyhealth.gov/health_care/medicaid/

Phone: 1-800-541-2831

MASSACHUSETTS – Medicaid and CHIP NORTH CAROLINA – Medicaid

Website: http://www.mass.gov/MassHealth

Phone: 1-800-462-1120

Website: http://www.ncdhhs.gov/dma

Phone: 919-855-4100

Premium Assistance Under Medicaid and the Children’s Health Insurance Program (CHIP)

Website: http://health.hss.state.ak.us/dpa/programs/medicaid/

Phone (Outside of Anchorage): 1-888-318-8890

Phone (Anchorage): 907-269-6529

Website: http://www.in.gov/fssa

Phone: 1-800-889-9949

COLORADO – Medicaid IOWA – Medicaid

Medicaid Website: http://www.colorado.gov/hcpf

Medicaid Customer Contact Center: 1-800-221-3943

Website: www.dhs.state.ia.us/hipp/

Phone: 1-888-346-9562

FLORIDA – Medicaid KANSAS – Medicaid

Website: https://www.flmedicaidtplrecovery.com/

Phone: 1-877-357-3268

Website: http://www.kdheks.gov/hcf/

Phone: 1-800-792-4884

KENTUCKY – Medicaid NEW HAMPSHIRE – Medicaid

Website: http://chfs.ky.gov/dms/default.htm

Phone: 1-800-635-2570

Website: http://www.dhhs.nh.gov/oii/documents/hippapp.pdf

Phone: 603-271-5218

LOUISIANA – Medicaid NEW JERSEY – Medicaid and CHIP

Website: http://dhh.louisiana.gov/index.cfm/subhome/1/n/331

Phone: 1-888-695-2447

Medicaid Website: http://www.state.nj.us/humanservices/

dmahs/clients/medicaid/

Medicaid Phone: 609-631-2392

CHIP Website: http://www.njfamilycare.org/index.html

CHIP Phone: 1-800-701-0710

MAINE – Medicaid NEW YORK – Medicaid

Website: http://www.maine.gov/dhhs/ofi/public-assistance/index.html

Phone: 1-800-977-6740

TTY 1-800-977-6741

Website: http://www.nyhealth.gov/health_care/medicaid/

Phone: 1-800-541-2831

MASSACHUSETTS – Medicaid and CHIP NORTH CAROLINA – Medicaid

Website: http://www.mass.gov/MassHealth

Phone: 1-800-462-1120

Website: http://www.ncdhhs.gov/dma

Phone: 919-855-4100

MINNESOTA – Medicaid NORTH DAKOTA – Medicaid

Website: http://www.dhs.state.mn.us/id_006254

Click on Health Care, then Medical Assistance

Phone: 1-800-657-3739

Website: http://www.nd.gov/dhs/services/medicalserv/medicaid/

Phone: 1-800-755-2604

MISSOURI – Medicaid OKLAHOMA – Medicaid and CHIP

Website: http://www.dss.mo.gov/mhd/participants/pages/hipp.htm

Phone: 573-751-2005

Website: http://www.insureoklahoma.org

Phone: 1-888-365-3742

MONTANA – Medicaid OREGON – Medicaid

Website: http://medicaid.mt.gov/member

Phone: 1-800-694-3084

Website: http://www.oregonhealthykids.gov

http://www.hijossaludablesoregon.gov Phone: 1-800-699-9075

NEBRASKA – Medicaid PENNSYLVANIA – Medicaid

Website: www.ACCESSNebraska.ne.gov

Phone: 1-855-632-7633

Website: http://www.dhs.state.pa.us/hipp

Phone: 1-800-692-7462

NEVADA – Medicaid RHODE ISLAND – Medicaid

Medicaid Website: http://dwss.nv.gov/

Medicaid Phone: 1-800-992-0900

Website: http://www.eohhs.ri.gov/

Phone: 401-462-5300

SOUTH CAROLINA – Medicaid VIRGINIA – Medicaid and CHIP

Website: http://www.scdhhs.gov

Phone: 1-888-549-0820

Medicaid Website: http://www.coverva.org/programs_premium_assistance.cfm

Medicaid Phone: 1-800-432-5924

CHIP Website: http://www.coverva.org/programs_premium_assistance.cfm

CHIP Phone: 1-855-242-8282

SOUTH DAKOTA - Medicaid WASHINGTON – Medicaid

Website: http://dss.sd.gov

Phone: 1-888-828-0059

Website: http://www.hca.wa.gov/medicaid/premiumpymt/pages/ index.aspx

Phone: 1-800-562-3022 ext. 15473

TEXAS – Medicaid WEST VIRGINIA – Medicaid

Website: http://gethipptexas.com/

Phone: 1-800-440-0493

Website: http://www.dhhr.wv.gov/bms/Medicaid%20Expansion/Pages/default.aspx

Phone: 1-877-598-5820, HMS Third Party Liability

UTAH – Medicaid and CHIP WISCONSIN – Medicaid and CHIP

Website:

Medicaid: http://health.utah.gov/medicaid

CHIP: http://health.utah.gov/chip

Phone: 1-866-435-7414

Website:

https://www.dhs.wisconsin.gov/badgercareplus/p-10095.htm

Phone: 1-800-362-3002

VERMONT– Medicaid WYOMING – Medicaid

Website: http://www.greenmountaincare.org/

Phone: 1-800-250-8427

Website: https://wyequalitycare.acs-inc.com/

Phone: 307-777-7531

To see if any other states have added a premium assistance program since July 31, 2015, or for more information on special enrollment rights, contact either:

U.S. Department of Labor U.S. Department of Health and Human Services

Employee Benefits Security Administration Centers for Medicare & Medicaid Services

www.dol.gov/ebsa www.cms.hhs.gov

1-866-444-EBSA (3272) 1-877-267-2323, Menu Option 4, Ext. 61565

OMB Control Number 1210-0137 (expires 10/31/2016)

U.S. Department of Labor1-866-487-2365

U.S. Department of Justice

YOUR RIGHTS UNDER USERRA THE UNIFORMED SERVICES EMPLOYMENT

AND REEMPLOYMENT RIGHTS ACT

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Publication Date—October 2008

REEMPLOYMENT RIGHTS

You have the right to be reemployed in your civilian job if you leave thatjob to perform service in the uniformed service and:

� you ensure that your employer receives advance written or verbalnotice of your service;

� you have five years or less of cumulative service in the uniformedservices while with that particular employer;

� you return to work or apply for reemployment in a timely mannerafter conclusion of service; and

� you have not been separated from service with a disqualifyingdischarge or under other than honorable conditions.

If you are eligible to be reemployed, you must be restored to the job andbenefits you would have attained if you had not been absent due tomilitary service or, in some cases, a comparable job.

RIGHT TO BE FREE FROM DISCRIMINATION AND RETALIATION

If you:

� are a past or present member of the uniformed service; � have applied for membership in the uniformed service; or� are obligated to serve in the uniformed service;

then an employer may not deny you:

� initial employment;� reemployment;� retention in employment; � promotion; or � any benefit of employment

because of this status.

In addition, an employer may not retaliate against anyone assisting inthe enforcement of USERRA rights, including testifying or making astatement in connection with a proceeding under USERRA, even if thatperson has no service connection.

HEALTH INSURANCE PROTECTION

� If you leave your job to perform military service, you have the rightto elect to continue your existing employer-based health plancoverage for you and your dependents for up to 24 months while inthe military.

� Even if you don't elect to continue coverage during your militaryservice, you have the right to be reinstated in your employer'shealth plan when you are reemployed, generally without any waitingperiods or exclusions (e.g., pre-existing condition exclusions) exceptfor service-connected illnesses or injuries.

ENFORCEMENT

� The U.S. Department of Labor, Veterans Employment and TrainingService (VETS) is authorized to investigate and resolve complaintsof USERRA violations.

� For assistance in filing a complaint, or for any other information onUSERRA, contact VETS at 1-866-4-USA-DOL or visit its website athttp://www.dol.gov/vets. An interactive online USERRA Advisor canbe viewed at http://www.dol.gov/elaws/userra.htm.

� If you file a complaint with VETS and VETS is unable to resolve it,you may request that your case be referred to the Department of Justice or the Office of Special Counsel, as applicable, forrepresentation.

� You may also bypass the VETS process and bring a civil actionagainst an employer for violations of USERRA.

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1-800-336-4590

The rights listed here may vary depending on the circumstances. The text of this notice was prepared by VETS, and may be viewed on the internet at this address: http://www.dol.gov/vets/programs/userra/poster.htm. Federal law requires employers to notify employees of their rights under USERRA,and employers may meet this requirement by displaying the text of this notice where they customarily place notices for employees.

Office of Special Counsel

USERRA protects the job rights of individuals who voluntarily or involuntarily leave employment positions to undertake military service or certain types of service in the National Disaster Medical System. USERRA also prohibits employers

from discriminating against past and present members of the uniformed services, and applicants to the uniformed services.