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Saint Mary’s CollegeEmployee Benefits Advisory Committee
(EBAC)
January 2016 Meeting
January 26, 2016
EBAC Meeting – January 2016
Agenda –
1. Welcome / Introductions
2. ACA Update
3. Open Enrollment Review and Discussion
4. Wellness Initiative
5. Child Care On Campus
6. Future Topics
21/26/2016
EBAC Meeting – January 2016
ACA Update
•Recent Changes
•Delays and Repeals
•Politics
31/26/2016
EBAC Meeting – January 2016
ACA Update
• Market change repealed –
• Change of 51-99 market to small group rules left to the states
• Reporting Delayed –
• 1095 to employees
• Taxes Delayed –
• Cadillac tax delayed 2 years
• Medical Device tax (3.4%) delayed 2 years
41/26/2016
EBAC Meeting – January 2016
ACA Update
• Politics –
• For the 62nd time congress considered a repeal of the ACA.
For the 1st time the legislation was passed by both the
house and senate and was sent to the President, who
vetoed it.
• Presidential candidates have many opinions but few
alternatives to the ACA.
51/26/2016
EBAC Meeting – January 2016
Decisions made for 2016–
No changes to medical plan designs or carriers
Move to UHC Dental and Vision
Keep contributions at current (2015) levels
(no change in contributions for 3+ years !)
61/26/2016
EBAC Meeting – January 2016
Benefits Plans Renewals
Carrier / Plan Initial Renewal ‘Final’ RenewalUpdated Renewal
V 3
Kaiser HMO 5% on ‘slice’ rates 5% 5%
UHC HMO 11.5% on ‘slice’ rates 7.3% 6.2%
UHC PPO HSA 13.3% on ‘slice’ rates 8.6% 7.5%
Combined Medical 8.1% 6.1% 5.6%
Delta Dental PPO 0% 0% UHC DPPO – 3.1%
Delta Dental DHMO 5% 5% UHC DHMO -15.8%
VSP Vision 0% 0% UHC Vision -36.3%
MHN EAP 6% 6% 0%
UNUM (Life/LTD) 0% 0% 0%
Overall Renewal 7.2% 5.4% 3.9%
71/26/2016
EBAC Meeting – November 2015
HR Strategic Initiatives
1. Explore ways to leverage the HSA plan • Better communication • Tax/burden savings
2. Promote less paper, more automation• Use GaelXpress for open enrollment • Fillable .PDF’s are on the benefits website • Dedicated email ([email protected])• New Benefits Guide (sample to shared)
3. Preliminary survey results from recent onboarding survey• Impact on upcoming OE
81/26/2016
EBAC Meeting – January 2016
Open Enrollment Review and Discussion
Explore ways to leverage the HSA plan
• Better communication –Alex Decision Support tool had a total of 285 visits by 241 distinct users
• Tax/burden savings –
• HSA enrollment up 10% (30ees to 33ees)
• Total HSA dollars deferred up 100% (~ +$65,880 annually)
• FSA deferrals up 12% (~+$24,997 annually)
• DCRA deferrals up 16.4% (~ +$15,431 annually)
91/26/2016
EBAC Meeting – January 2016
Open Enrollment Review and Discussion
Promote less paper, more automation
• Use GaelXpress for open enrollment – about 60% of ees used the online enrollment process
• Fillable .PDF’s are on the benefits website
• Dedicated email ([email protected])
• New Benefits Guide – 2016 version is in production
101/26/2016
EBAC Meeting – January 2016
Communication Remains a Challenge
• Online vs. email vs. direct mail
Developing a direct mail piece outlining the enhancements that UHC Dental/Vision offers
• Other ideas ?
111/26/2016
Confidential Property of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.
Dental Added Features:
Consumer Max Multiplier (CCM)• Portions of unused benefits may be rolled over for use in
subsequent years* - $3500 max can accumulate.
• You can earn reward dollars for future claims
• Rewards you for getting preventive care
Maximum Allowable Charge (MAC)
• Never any MAC reimbursement if you go out of network on
dental. 90% UCR is very comparable to Delta Premier
reimbursement but substantially more than a Maximum
Allowable Charge (MAC) out of network reimbursement.
• New lifetime ortho maximum on Dental PPO plan.
* See benefit summary for complete plan details.
Orthodontic Lifetime Max
Things to know about your plan
1. No ID Card needed
2. www.myuhc.com
3. Provider Directory
VISIT myuhc.com
Learn more about your vision
coverage.
Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.
Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.
Vision Added Features:
• Covered in full contact lens benefit after
applicable copay.
• Hearing Aid Benefit embedded in Vision Plan
• True in network benefits with INN wholesalers
and retailers.
Laser vision correction discountswww.uhclasik.com or call 1-888-563-4497
Hearing aid discount program
www.hihealthinnovations.com or
call 1-855-523-9355
* Discounts are not a part of the UnitedHealthcare Vision benefits
Access to Discounts
Contact Lens Discounts
www.uhccontacts.com
call 1-855-287-0348
Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.
EBAC Meeting – January 2016
Wellness Initiatives –
Updating Wellness portal http://www.stmarys-ca.edu/human-resources/wellness
Setting up ‘Brown Bag’ trainings using MHN training resources
Adding a Quarterly Wellness newsletter
Neck & Back care
Informational Seminars – Tony Kearns
An ‘event’ with Chair Massages
161/26/2016
EBAC Meeting – January 2016
Child Care on Campus –
Studied by HR and EBAC in the spring of 2013 with both an interest survey and vendor presentations
In Fall 2015 EBAC agreed that another interest survey be conducted to update the previous results.
At the Holiday Party a partnership model was used with the Town of Moraga to support a one time event, but the take away from that experience are useful, relative to process, due diligence, and considering a wider array of alternatives.
171/26/2016
EBAC Meeting – January 2016
181/26/2016
Future Topics –
• Tuition Remission for Ed.D program
• Tuition Exchange
• Risk Management Initiative
EBAC Meeting – January 2016
Future EBAC Meeting Schedule:
March 16 @ 2:45 – 4:15; FAH 205
May 11 @ 2:45 – 4:15; FAH 205
191/26/2016
201/26/2016
