Transcript Cover Slide

2011
Annual Enrollment
Annual Enrollment Key
Dates
November 15, 2010 – Annual Enrollment Begins! Enroll online by
calling the Benefits Service Center
November 26, 2010, Annual Enrollment Ends
**If you do not enroll, the coverage you have in 2010 will continue
in 2011 and the same eligible family members will continue to be
covered. However, you must make an active election for FSA.
December 3, 2010 - Last day to submit enrollment corrections
December 10, 2010 - Benefit membership wallet cards are sent to
your home directly from medical, pharmacy, and vision
providers. The flexible spending account debit card is sent by
Ceridian.
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Benefits- New in 2011
BENEFIT PLAN CHANGES
-
Changes in plan designs (OA Premium, New Dental Plan
and FSA Administrator)
-
Increases in deductibles, employee contributions and copays
ADMINISTRATION CHANGES
-
New Benefits Administrator, Ceridian
-
Automation of Benefits Administration
-
Availability of two benefits enrollment options
Online Enrollment-www.benefitenroll.com
Benefits Service Center-1-877-418-0038
.
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Benefit ChangesIncrease in Medical Costs
Several factors contributed to the increase in
copays, contributions and deductibles of the
Medical Plan:
-Increase in medical inflation and claim costs during past twelve
months
-Additional costs of Health Care reform (i.e. elimination of
lifetime maximums, and increasing dependent coverage to age
26)
-High premiums for stop loss coverage for claims exceeding
$250,000
Huber continues to pay over 70% of total medical
plan costs.
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2011 Benefit Changes-Medical
2011 Medical Plan Monthly Contributions
2011
Tobacco
Tobacco
Free
User
Increase $
Tobacco
Tobacco
Free
User
$$ Difference
Between OA
Premium
Tobacco
Tobacco
Free
User
OA Premium
EE ONLY
EE+1
EE+FAM
$133
$253
$370
$151
$289
$424
$17
$33
$48
$20
$38
$56
N/A
N/A
N/A
N/A
N/A
N/A
OA Core
EE ONLY
EE+1
EE+FAM
$97
$178
$259
$115
$214
$313
$13
$23
$34
$16
$28
$42
($36)
($75)
($111)
($36)
($75)
($111)
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2011 Benefit Changes-Medical
Plan Features
Open Access Premium
Open Access Core
In-Network
Out-ofNetwork
Office Visit
Primary doctor
Specialist
$30 copay
$30 copay
70%
70%
80%
80%
60%
60%
Physical
$30 copay
70%
80%
60%
Inpatient
hospital care
$290 copay
70%
80%
60%
$225
$675
$500
$1,500
$300
$900
$750
$2,250
Deductible
Individual
Family
Lifetime
Maximum
None
In-Network
Out-ofNetwork
None
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2011 Benefit Changes-Medical
Medical Plan
Changes implemented as a result of the Health Care Reform Act
– Dependent coverage to age 26:
If your dependent child is NOT eligible for other group coverage (other
than under the Plan of their other parent), you may cover your dependent
child up to age 26 whether they are married or unmarried, and regardless
of whether or not they are students or live with you or dependent on your
for support. This includes a child who is: a) natural born, b) legally adopted
(also a child placed in your care for adoption), or c) stepchild. You may be
asked for documentation
– If other coverage is available to the dependent, current dependent rules will
Apply
– Elimination of $1 million lifetime limit on all benefits and annual limit on
durable goods
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2011 Benefit Changes-Dental
Dental Plan Changes
- Change of Carrier to CIGNA (Fully Insured Plan)
– Domestic Partners Eligible (certain states)
– Increase Dependent Age Coverage to 26 (same rules apply)
2011 Monthly Dental Contributions:
Dental
EE ONLY
EE+1
EE+FAM
2011
Increase $
$17.00
$25.00
$41.00
$3.00
$4.00
$7.00
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2011 Benefit Changes-Dental
Enhancements to Dental Plan:
Current
New
Annual Maximum
$1,000
$1,500
Orthodontic Maximum
$1,000
$1,500
80th percentile
90th percentile
Covered to age 15
Covered to age 19
Only on certain
teeth
Covered for all teeth
Not Covered
Eligible Benefit
Reasonable and
Customary
Sealants
White Fillings
Bruxism Devices (teeth
grinding)
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2011 Benefit Changes-Dental
Transition to CIGNA
Dental Treatment in Progress
- If dental treatment (i.e. Root Canal or Crown where a Prep or
impression has been taken) is in progress prior to the effective
date of the new CIGNA dental program, but completed on or
after 1/1/2011, the claim is submitted to CIGNA. CIGNA will
review your claim and make a payment based on the CIGNA plan
of benefits including determining if the provider is in or out of
CIGNA’s network.
- NOTE: Claims incurred prior to 1/1/2011 must be submitted to
Aetna for payment. Aetna will accept and reimburse eligible
claims submitted within 12 months of the date of service. Any
claims incurred after to 1/1/2011 must be submitted to CIGNA
for payment.
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2011 Benefit Changes-Dental
Transition to CIGNA
Orthodontic Treatment in Progress
- If orthodontic treatment is in progress (teeth are actively being moved by bands
or appliances) prior to the effective date of the new CIGNA dental program,
CIGNA will review your claim to determine if there is coverage.
- CIGNA will request the following information to make their determination:
• Original treatment plan showing the total months of active treatment
• The orthodontist total case fee
• The banding date
- CIGNA will apply the current plan’s coinsurance amount to the contracted
monthly payment amount owed and calculate if any additional payouts will be
made. If a payout is made, you will be responsible for the balance of the cost.
- Once payments are calculated, CIGNA will contribute to your cost until the lifetime
orthodontic maximum has been met or until active treatment is complete. The
amount of orthodontic benefits that have been paid under the Aetna program
- will be transferred to CIGNA and applied towards the Ortho Lifetime Maximum.
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2011 Benefit Changes-Dental
CIGNA will be offering the following additional programs as part of
the dental program:
Dental Oral Health Maternity Program – This program enhances dental
benefits for expectant mothers with CIGNA dental. Eligible members
receive 100% reimbursement of copay or coinsurance for select covered
services.
Oral Health Integration Program – Eligible members with the following
diagnosis - Cardiovascular Disease, Diabetes, Head/Neck Cancer
Radiation, Stroke, Chronic Kidney Disease, and Organ Transplants may
receive 100% reimbursement of out-of-pocket payments to the dentist for
these services:
– Periodontal root scaling and planing
– Periodontal maintenance
More information on this programs will be posted on www.CIGNA.com and
available during Annual Enrollment.
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2011 Benefit Changes-FSA
Health Care and Dependent Care FSA
– Change administrator to Ceridian
– No changes to design
Health Care FSA—maximum $5,000,
Dependent Care FSA—your contribution maximum $4,550.
Huber will provide a 10% match on your contributions, up to
$450
– Over-the-counter items are no longer eligible Health Care
FSA expenses
– Health care expenses for qualified children up to age 26
are eligible for Health Care FSA.
You must make an active election for FSA
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2011 Benefit Changes-FSA
Ceridian FSA Services
– Participants can check claim status via benefits portal (single signon).
– Benefits Service Center available Monday through Friday, from 8
a.m. to 8 p.m. Eastern time, to answer questions and provide
support
– Claims submission via online tool, fax or mail
– Direct deposit of claim reimbursements
– Debit Card for Health Care Spending Account. Additional cards
available for dependents over 18, upon request.
– Participant statements and communications via the Web
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2011 Benefit Changes-FSA
Ceridian FSA Services
– Every purchase using the debit card must be authorized through the
substantiation rules according to IRS regulations.
– Expenses are typically substantiated via the review of receipts;
however, expenses may be automatically substantiated if the claim can
be verified through one of the approved IRS standards for electronic
substantiation (i.e. Inventory Information Approval System (IIAS).
– The employee must submit receipts for unsubstantiated purchases
within 60 days of Ceridian’s request. If the requested documentation is
not received, the employee’s card is temporarily suspended until
claims are substantiated.
– For any card swipe that is ineligible, the employee is required to pay
back the plan via a check, money order or via reduction of future
reimbursements.
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2011 Benefit Changes-FSA
FSA Transition
Aetna
– Debit Cards will be cancelled as of 12/31/2010. All claims
must be submitted manually effective 1/1/2011.
– Aetna will continue to process 2010/2011, eligible expense
through the Grace Period March 15, 2011.
– All claims must be received by Aetna no later than April 30,
2011.
– Aetna Navigator will be available through May 2011.
Ceridian
– Debit Cards will mailed out in December.
– Ceridian will process 2011 eligible FSA expenses only.
– FSA benefits portal will be available as of 1/1/2011.
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Other Benefits
There are no changes to the design or rates for the
following Benefits:
–Vision
–Life, AD&D and Disability
(Beneficiaries can be viewed online through the new online enrollment
system. Beneficiaries are transferring from Prudential to Ceridian)
–Prescription Drug
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2011 Benefits- Enrollment Options
You can make your enrollment elections Online or by calling the
Benefits Service Center.
ONLINE ENROLLMENT (www.benefitenroll.com)
-Can be accessed 24/7.
-You’ll need a computer with internet access and a printer.
-Your User ID: year of Birth + the Last 4 Digits of your SSN
-Your Password:000 + Last 4 Digits of your SSN
-After successful login, you will be prompted to change your
password (must be 7 digits in length)
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2011 Benefits- Enrollment Options
The following decision support tools are available on the
Online System:
-
Plan Summaries
Medical Compare
Medical Cost Calculator
FSA Calculator
You will also be able to update your Life Insurance Beneficiaries
Online
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2011 Benefits- Enrollment Options
To make your elections by phone, Call Toll Free: 1-877-418-0038
You’ll need to identify yourself by providing, Name, SSN and Relationship
to caller
- The Benefits Service Center will be open from 8:00 AM
to 8:00 PM EST.
- Benefits Service Representatives will assist you in
reviewing your current election an making your annual
enrollment elections
- It will be closed on Thanksgiving, November 25, but will
be open on the Friday after Thanksgiving.
- You can call using any telephone, a landline is
recommended.
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2011 Benefits- Enrollment Options
Beginning with Annual Enrollment:
The enrollment options will also be your ongoing source for personal
and general benefit information.
- If you have questions regarding your benefits, call the Benefits Service Center. The
Benefits Service Center representatives will provide you with an answer to your question
or your question may escalated to a second tier representative with more in-depth
knowledge of Huber Plans or you may be connected with a representative from one our
benefit carriers, CIGNA, Medco, Prudential etc.
- If the representative connects you to a benefit administrator, you will receive a follow-up
call from the administrator to confirm that your question was answered.
- Continue to use the ING website and phone support for the Savings Plan ( The benefits
Service Center will not have Savings Plan information)
- Huber Human Resources Representatives will refer you to these resources
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2011Benefits-Items to Consider
- If you do not enroll, the coverage you have in 2010 will continue in 2011
and the same eligible family members will continue to be covered.
- You must make an active election for FSA
- Consider changes in your life or financial situation that may affect your
benefits needs
- Compare Huber Benefits with your spouse’s benefits, if he or she has
benefits available
- Review your personal insurance and other assets
- Total your 2010 out-of pocket expenses for all benefits and consider if
your 2011 expenses will be different
- You may also want to speak to your financial or tax advisor
22
2011 Benefits
Questions?
23
ADDITIONAL SLIDES
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Important things to remember about
your medical benefits:
• Patients must get approval for all in-patient
hospital admissions and selected outpatient
procedures. Simply contact CIGNA before being
admitted to the hospital or having an outpatient
procedure, and CIGNA will handle it
• You are responsible for verifying that your doctor
is in the network. You can do this by checking
www.cigna.com. Follow the directions to find a
doctor
• If you have additional questions, call CIGNA
Member Services at the 1-800 number on your
ID Card
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Medical Options for Part-timers
• Part-time, regular employees and their
eligible dependents can enroll in the medical
plan options:
• Same plan options (OA Premium and OA Core)
• Part-time employee contribution rates are based
on standard hours worked:
– At least 30 hours, but less than 40: 150% of
active rate
– 20 or more hours, but less than 30: 200% of
active rate
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CIGNA Advantages
Don’t miss these great programs offered through CIGNA.
Just call member services or visit the CIGNA website
•
CIGNA Health Information Line: 24/7 toll-free phone line
answered by registered nurses who can help with precertification, benefit and medical questions
•
Healthy Rewards®: Discounts on many health services and
goods, including fitness clubs, massage therapy, hearing aids,
and laser vision correction
•
Healthy Babies®: Voluntary prenatal program offering
educational materials and 24/7 nurse support line
•
CIGNA WellAware: Disease management programs that
offer resources and information for chronic illnesses such as
asthma, COPD, back pain and heart disease
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2011 Prescription Drug
Benefits
•
Medco will continue to administer Prescription drugs
•
You are automatically enrolled for prescription drug coverage when
enrolling in one of the CIGNA options
•
Always double check Medco’s formulary to get the most from your
coverage. Check to see if your medications are part of the Medco
formulary by visiting the “Benefit Highlights” section of the Medco
website at www.medco.com and click on the view your preferred
drug list link.
•
Copays for the Medco program will not change
•
The following prescriptions programs will continue to be offered from
Medco (Preferred Home Delivery, Step Therapy, Generic Preferred)
•
Medco’s specialty pharmacy is Accredo
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2011 Prescription Benefits
There are no changes for 2011
Plan Features
Open Access Premium
In-Network
Retail (30 day
supply)
Generic
Brand Formulary
Non-formulary
Mail (90 day
supply)
Generic
Brand Formulary
Non-Formulary
$10 copay
$25 copay
$40 copay
$25 copay
$55 copay
$90 copay
Out-of-Network
After med.
deductible is met:
Plan pays 100%
of the network
cost
After med.
deductible is met:
Plan pays 100%
of the network
cost
Open Access Core
In-Network
$10 copay
$25 copay
$40 copay
$25 copay
$55 copay
$90 copay
Out-of-Network
After med.
deductible is
met: Plan pays
100% of the
network cost
After med.
deductible is
met: Plan pays
100% of the
network cost
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When to Use Medco By Mail
Use Medco By Mail home delivery when you will take a
drug for more than 60 days
• Retail store or pharmacy should be used for one-time and
short-term prescriptions. Can fill 2 times, for up to 60 days
total. (30 days at a time)
• After 60 days, switch prescription to Medco by Mail home
delivery—easy and convenient:
– Can get up to a 90-day supply of medications
– You can continue to refill at pharmacy, but you will pay
the 90-day Home Delivery copay for every 30-day refill
you get from the pharmacy
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2011 Vision Monthly
Contributions
• EyeMed will continue to administer the Vision Plan
• Monthly contributions will remain the same
EyeMed (Vision)
EE ONLY
EE+1
EE+FAM
2011
Change $
$5.26
$10.54
$16.96
$0.00
$0.00
$0.00
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2011 FSAHealth Care Spending Account
•
The Contribution limit is still $5,000
•
When deciding how much to contribute, review the 2011 list of
eligible expenses at the Ceridian website.
•
In late December, you will receive a debit card loaded with the
total amount you pledge for the year
•
Use your Ceridian debit card at health care providers and
“certified” merchants for eligible expenses. See the Ceridian
website for a list of certified merchants. You can file paper claims
and get a check in the mail, if you prefer
•
You can spend the total amount you pledge, even if contributions
have not been deducted from your paycheck—it’s like an interestfree loan!
•
Keep your receipts!
Remember: Over-the-counter items are longer eligible
FSA expenses
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2011 FSADependent Care Spending Account
• No plan changes for 2011
• Your total maximum contribution is $4,550. Huber will
provide a 10% match on your contributions, up to
$450.
• Ceridian will administer. Debit cards cannot be used
for dependent care expenses. You must file claims
• A worksheet to help estimate your 2011 expenses is
available on the online system
• Don’t forget to send all 2010/2011 eligible claims to
Aetna by April 30, 2011.
33
Enroll for Flexible
Spending Accounts
Your FSA Options:
• Health Care FSA—maximum $5,000
• Dependent Care FSA—your contributions maximum
$4,550
• No coverage in either or both FSAs
Remember:
• Ceridian will administer for 2011
• Over-the-counter items are no longer eligible for
Health Care Spending Account
• Health care expenses for qualified children up to age
26 are eligible for Health Care FSA
• You must enroll for 2011, there is no default
coverage
34
2011 Benefits Changes
Life and Disability Insurance
• No change to your coverage options
• If you are currently enrolled in supplemental life
coverage and you want to increase your coverage by
1x, up to 3x or $300,000 – you can do it without
evidence of insurability (EOI)
• EOI is required if you choose supplemental long term
disability coverage. The Annual Enrollment website
provides instructions
• You can enroll for dependent coverage for your spouse
up to $25,000, without providing EOI. Additional
coverage will require EOI for your spouse.
• EOI is never required for children covered as
dependents or for Accidental Death & Dismemberment
(AD&D) coverage.
35
Enroll for Supplemental Life
Insurance
Basic Life Insurance: 2 x annual pay. Provided
by Huber, at no cost to you
Your Supplemental Options: Your choice of an
additional
– 1 x annual pay
– 2 x annual pay
– 3 x annual pay
– 4 x annual pay
– No additional coverage
Remember:
• Evidence of Insurability (EOI) may be required if
you increase your coverage by more than 1 x pay
or $300,000 total
• Defaults to 2010 coverage
36
Enroll for Dependent Life
Insurance
Your Dependent Life Options: Your choice of
–
–
–
–
–
$10,000 spouse + $5,000 per child
$25,000 spouse + $5,000 per child
$50,000 spouse + $10,000 per child_
$100,000 spouse + $15,000 per child
No coverage
Remember:
• Evidence of Insurability (EOI) is required for
spousal coverage of $50,000 or $100,000
• Defaults to 2010 coverage
37
Enroll for Business Travel
Accident Insurance
Basic Travel Accident Insurance: $100,000 for
business travel only. Provided by Huber, at no cost
to you
Your Options: Up to an additional $400,000
– Purchased in increments of $50,000
– No additional coverage
Remember:
• Evidence of Insurability (EOI) is not required
• Defaults to 2010 coverage
38
Enroll for Accidental Death and
Dismemberment Insurance
Your Options:
–
–
–
–
If
Individual or family coverage
$100,000
$200,000
$300,000
No coverage
you choose family coverage, your coverage is
100% of the total. Other family members’
coverage is a percentage of the total amount.
Remember:
• Evidence of Insurability (EOI) is not required
• Defaults to 2010 coverage
39
Enroll for Long Term Disability
Insurance
Basic Coverage: Coverage equal to 50% of your
annual pay is provided by Huber at no cost to you
Your Options:
– Coverage equal to an additional 10% of your
annual pay
– No additional coverage
Remember:
• Paid with after-tax contributions
• Evidence of Insurability (EOI) is required
• Defaults to 2010 coverage
40
2011 Benefits –
Employee Savings Plan
Annual Enrollment is a good time to review your
Savings Plan account
-
Use easy modeling tools on website to determine if you’re on
track to meet your goals
Change your contributions (Huber matches on first 5% of
your salary contributed)
Change your investment allocation
Re-balance your investments
41