OPEN ENROLLMENT FOR 2018 BENEFITS

Begins: October 38 a.m.

Ends: October 2011:59 p.m.

vumc-oe.com

Tuesday, October 17 1:30 - 4:30 p.m.Vanderbilt Health at

One Hundred Oaks, Entrance D

Wednesday, October 18 7:30 a.m. - 2 p.m.

Light Hall, Robinson Research Breezeway

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Open Enrollm

ent for 2018 benefi ts: Oct. 3-20

OPEN ENROLLMENT 2018

As a Vanderbilt University Medical Center employee, you make a di� erence to our patients and their families by bringing compassion and care to those in need of hope and healing. VUMC extends this culture of caring to you and your family by providing benefi ts to help you lead longer and healthier lives. Take a few moments during this open enrollment period to learn how your benefi ts can help you and your family stay healthy longer. Then, throughout the year, make smart healthcare decisions to improve and sustain your health and reduce your healthcare costs.

Open Enrollment begins at 8 a.m. October 3 and ends at 11:59 p.m. October 20, 2017. The benefi ts you elect will take e� ect on January 1, 2018 and last until December 31, 2018.

This year, in light of the launch of EpicLeap, we are keeping enrollment simple. Open Enrollment will be passive, meaning your 2017 benefi ts, except for fl exible spending accounts, will automatically roll over to 2018 unless you want to make changes.

• All your 2017 benefi ts (except FSA) will automatically roll over, and you will have those same benefi ts in 2018.

• If you received the $20 tobacco-free credit for 2017, you will automatically receive the credit for 2018.

• If you paid the spouse coverage fee of $100 per month in 2017, you will pay the spouse coverage fee of $100 in 2018.

• Your fl exible spending account election will not carry over to 2018. That’s an IRS rule we can’t change. If you want to participate in a FSA for 2018, you will need to enroll on My VUMC Benefi ts.

• If you want or need to make changes, you may do so by simply logging into My VUMC Benefi ts and make those changes.

As always, you can make changes to the following benefi ts programs anytime, including:

• Life insurance, enhanced short-term disability, and long-term disability insurance

• Retirement plan contributions and investments

• Discounted pet, auto, and home insurance

NEED HELP?

• Research your healthcare plan options using the Ask Alex tool. Answer a few questions, and Alex will give you a customized recommendation.

• Visit vumc-oe.com and read the Detailed Guide to Open Enrollment for an overview of what is changing.

• Participate in a webinar:

Oct. 5, 8 a.m. | Oct 7, 11 a.m. | Oct 12, 1 p.m.

• Contact the Employee Service Center:

Phone: 615.343.7000 — 8 a.m. - 5 p.m.

Email: human.resources.vumc@vanderbilt.edu

In person: 2525 West End Ave., 2nd Floor — 7:30 a.m. - 5:30 p.m.

POWERUP HEALTH AND BENEFITS FAIR 2017

Save the date for Vanderbilt University Medical Center’sPowerUP Health and Benefi ts Fair.

October 17, 1:30 - 4:30 p.m.Vanderbilt Health at One Hundred Oaks, Entrance D

October 18, 7:30 a.m. - 2 p.m.Light Hall, Robinson Research Breezeway

You’re not going to want to miss the health and benefi ts fair for VUMC employees this October!This year’s fair gives employees an interactive experience that will leverage digital tools and on-site access to experts that will help you fi nish your “Health To Do List” before the end of the year.

Employees will be able to:

Sign up for 2018 benefi ts at the Benefi ts Lab

Get healthcare services on-site including fl u shots, blood pressure readings, Go for the Gold steps and an interactive health assessment

Learn about new convenient pharmacy services for employees and speak with a pharmacist about your medications

Talk with a nurse about your health needs and discover resources available to help you develop a personalized care plan

Connect to in-network providers and navigate quick care options available to you

PowerUPYour Health.

Faculty and Sta�

Your Health.Your Benefi ts.Get EmPowered.

WHAT’S NEW THIS YEAR?

To give you more choice in dental plans, we will o� er an additional PPO dental option for 2018. New for 2018 is Delta Dental, a PPO plan similar to BlueCross BlueShield DentalBlue. We will still o� er the BCBS DentalBlue PPO plan as well as the Cigna DHMO plan. The Delta Dental plan o� ers a wider network than BlueCross BlueShield and Cigna. As a Delta Dental subscriber, you will have access to both the Delta Dental PPO and the Delta Dental Premier networks, which include 80 percent of the nation’s dental providers. The Delta Dental PPO network gives you lower out-of-pocket costs, while the Delta Dental Premier network gives you access to even more providers. If you currently have BlueCross BlueShield, and your current provider participates in both BCBS and Delta Dental networks, you may want to compare premium rates between the two. Both BCBS and Delta Dental are accepted at the VUMC Dental Clinic.

VUMC employees will see slight increases in premiums for Aetna Plus and Aetna HealthFund and modestly higher premiums for Aetna Select. The emergency room copay will increase from $115 to $125 for the 2018 plan year.

While Vanderbilt pharmacies give us the best pricing using our employee health plan, starting in 2018, you can fi ll prescriptions at Walgreens at lower rates than other non-Vanderbilt pharmacies. As our preferred partner, Walgreens o� ers lower co-pays and coinsurance rates than other non-preferred pharmacies. The following prescriptions will continue to be o� ered exclusively through the Vanderbilt Pharmacy and will not be available at Walgreens: 90-day prescriptions, mail-order prescriptions and specialty pharmacy prescriptions.

Superior Vision Services rates will increase for all levels of coverage, starting at 25 cents per month for individual coverage and up to 72 cents per month for family coverage.

Long-term disability rates will increase in 2018 due to higher than expected claim volumes the last two years. VUMC will continue to share the cost of this income replacement benefi t, and to help you manage the premium increases, we will o� er an additional lower-cost option. You’ll still have the current option, which covers the amount between $24,000 and your annual base pay and includes a 10 percent monthly contribution to your retirement account if you become disabled and are a participant in the VUMC Retirement Plan. For example, an employee making $50,000 will see an increase in their monthly premium of roughly $2.77 with this option if you don’t make a new election. The new, lower-cost option will only cover the amount between $24,000 and your annual base pay and will not include the 10 percent monthly contribution to your retirement account. For example, an employee making $50,000 will see an increase in their monthly premium of roughly 42 cents if they elect this option.

HEALTH PLAN OVERVIEW OF COSTS 2018 MONTHLY HEALTH PLAN PAYROLL PREMIUMS

Band 1: For employees with salaries of $49,999.99 or less

Fully benefi ts-eligible Partially benefi ts-eligible

Health Plan Option Employee Employee + Spouse

Employee + Children

Family Employee Employee + Children

Aetna Plus $72 $179 $147 $241 $89 $294

Aetna Select $111 $311 $243 $427 $222 $486Aetna HealthFund $81 $205 $170 $275 $162 $340

Band 2: For employees with salaries of $50,000 - 99,999.99

Fully benefi ts-eligible Partially benefi ts-eligible

Health Plan Option Employee Employee + Spouse

Employee + Children

Family Employee Employee + Children

Aetna Plus $97 $224 $192 $290 $194 $384

Aetna Select $142 $369 $297 $494 $284 $594Aetna HealthFund $104 $251 $214 $327 $208 $428

Band 3: For employees with salaries of $100,000 - 149,999.99

Fully benefi ts-eligible Partially benefi ts-eligible

Health Plan Option Employee Employee + Spouse

Employee + Children

Family Employee Employee + Children

Aetna Plus $102 $249 $203 $318 $204 $406

Aetna Select $162 $403 $327 $534 $324 $654Aetna HealthFund $111 $278 $239 $357 $222 $478

Band 4: For employees with salaries of $150,000 - 199,999.99

Fully benefi ts-eligible Partially benefi ts-eligible

Health Plan Option Employee Employee + Spouse

Employee + Children

Family Employee Employee + Children

Aetna Plus $105 $260 $210 $353 $210 $420

Aetna Select $172 $443 $352 $579 $344 $704Aetna HealthFund $119 $298 $250 $396 $238 $500

Band 5: For employees with salaries of $200,000 or more

Fully benefi ts-eligible Partially benefi ts-eligible

Health Plan Option Employee Employee + Spouse

Employee + Children

Family Employee Employee + Children

Aetna Plus $109 $272 $222 $368 $218 $444

Aetna Select $180 $481 $378 $644 $360 $756Aetna HealthFund $128 $320 $263 $438 $256 $526

*Credits and Fees for Your Healthcare Payroll PremiumAdd or subtract the numbers below to your costs from the appropriate chart above to see your fi nal monthly premium:

• Subtract $20 per month: If you and your covered family members are committed to being tobacco-free, you qualify for the credit. If you received the tobacco-free credit for 2017, you will automatically receive the credit in 2018.

• Add $100 per month: If your spouse has access to health coverage through another employer, but prefers using the VUMC Health Plan. If you paid the spouse coverage fee of $100 per month in 2017, you will pay the spouse coverage fee of $100 in 2018 if you take no action.

If paid weekly or bi-weekly, these amounts will be divided equally between your two or four paychecks of each month.

WHO IS ELIGIBLE FOR BENEFITS?

If you work at least 30 hours a week and are a regular, full-time sta� or faculty member, then you are fully benefi ts-eligible.

Partially benefi ts-eligible employees and their dependent children are eligible for VUMC Health Plan coverage. Partially benefi ts-eligible employees include monthly paid employees who aren’t already eligible for benefi ts or weekly and bi-weekly paid employees regularly scheduled to work 20 to 29 hours per week. Temporary employees, such as TempForce, adjunct, fl ex and PRN employees are also partially benefi ts-eligible if they meet the previous requirements. Partial benefi ts eligibility does not extend to other benefi ts, such as fl exible spending accounts, dental or vision insurance. Refer to the chart at the right for health plan payroll deductions.

FLEXIBLE SPENDING ACCOUNTS

The IRS mandates that employees who want to participate in a Flexible Spending Account (FSA) must enroll in the FSA each year.

If you want to contribute funds to a healthcare or dependent day care FSA in 2018, you must log in to My VUMC Benefi ts and enroll for 2018. To make your FSA election, log in to My VUMC Benefi ts and click “enroll now.” You will need your VUnetID and ePassword to access My VUMC Benefi ts.

• Healthcare fl exible spending accounts reimburse out-of-pocket medical expenses for you and your dependents.

• Dependent day care fl exible spending accounts reimburse day care service expenses for your dependents.

Aetna Plus Aetna Select Aetna HealthFund

$750 individual or $1,500 family credit*

VHANNetwork

Aetna National Network

Out ofNetwork**

VHANNetwork

Aetna National Network

Out ofNetwork**

VHANNetwork

Aetna National Network

Out ofNetwork**

Annualdeductible

Individual:$600Family: $1,100

Individual:$1,250Family: $2,500

Individual:$2,500Family: $5,000

Individual:$500Family: $1,000

Individual:$1,000Family: $2,000

Individual:$2,000Family: $4,000

Individual:$1,800Family: $3,500

Individual:$2,500Family: $5,000

Individual:$5,000Family: $10,000

Coinsurance 20% after deductible

40% after deductible

60% afterdeductible

10% after deductible

30% after deductible

50% after deductible

10% after deductible

30% after deductible

50% after deductible

Out-of-pocket limit

Individual: $4,000Family: $7,500

combined

Individual:$8,500Family: $16,500

Individual: $3,500Family: $7,000

combined

Individual: $7,000Family: $13,000

Individual: $4,000Family: $7,500

combined

Individual: $8,500Family: $16,500

Preventivevisit

$0 $0 Not covered $0 $0 Not covered $0 $0 Not covered

Sick visit, specialist visit, mental health visit

$20 copay $50 copay 60% afterdeductible

$20 copay $50 copay 50% after deductible

10% after deductible

30% after deductible

50% after deductible

Urgent carevisit

$50 copay then 20% after deductible

$75 copay then 40% after deductible

$75 copay then 60% afterdeductible

$50 copay then 10% after deductible

$75 copay then 30% after deductible

$75 copay then 50% after deductible

10% after deductible

30% after deductible

50% after deductible

Emergencyroom visit

$125 copay then 20% after deductible

$125 copay then 40% after deductible

$125 copay then 40% afterdeductible

$125 copay then 10% after deductible

$125 copay then 30% after deductible

$125 copay then 30% after deductible

10% after deductible

30% after deductible

30% after deductible

Hospital inpatient, outpatient, diagnostic testing

20% after deductible

40% after deductible

60% afterdeductible

10% after deductible

30% after deductible

50% after deductible

10% after deductible

30% after deductible

50% after deductible

Skilled nursing, home health, hospice, therapy

20% after deductible

40% after deductible

60% afterdeductible

10% after deductible

30% after deductible

50% after deductible

10% after deductible

30% after deductible

50% after deductible

This sheet helps you compare health plan options based on the providers (doctors, facilities, other health professionals) that you use. Please remember that you choose a health plan option during Open Enrollment. Each plan has various tiered provider networks available at di� erent cost levels, the lowest cost level being the Vanderbilt HealthA� liated Network (VHAN). The Wellness Credit you earn for participating in Go for the Gold will be placed into your Vanderbilt Health Plan Account. You will not fi le claims to access these funds, as Aetna will pay your fi rst medical claims (not copays) out of the Health Plan Account. The account helps you meet your deductible. For full details of each health plan option, see each option’s Evidence of Coverage booklet at vumc-oe.com.

*The Aetna HealthFund option comes with a HealthFund account. If you elect employee-only coverage, VUMC deposits $750 into the HealthFund account. If you elect spouse or family coverage, VUMC deposits $1,500 into the HealthFund account. This account is used to meet your deductible.

**Certain out-of-network services require prior authorization or else the out-of-pocket limit does not apply.

For detailed information about Open Enrollment, visit vumc-oe.com.

This document provides information about your benefi t options. It is not meant to replace the summary plan descriptions (SPDs) or plan documents, which are the governing documents for VUMC benefi ts. SPDs are available at hr.mc.vanderbilt.edu/benefi ts/sbc-eoc.php. O� erings, rates and plans are subject to change.