Transcript Plans - napebt

NORTHERN ARIZONA PUBLIC EMPLOYEES BENEFIT TRUST
Open
April 18 –
May 18
Enrollment
2011
Coconino Community College
Plan Year
July 1, 2011 – June 30, 2012
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NAPEBT
Medical Plans
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NAPEBT – Trends
NAPEBT Health PremiumTrend versus National Health Premium Trend
$600
Monthly Employee Rate
$500
$400
$300
$200
$100
$0
9596
9697
9798
9899
9900
0001
0102
0203
0304
Plan Year
0405
0506
0607
0708
0809
0910
1011
National
Trend
NAPEBT
National health premium trend data is from the Hay Benefits Reports (Hay Group) adjusted from a calendar year basis to correspond with NAPEBT's fiscal
year. The 2010 trend data was not available from Hay, therefore, the 2009 trend increase percentage was used. For the 2006-2007 plan year the NAPEBT
contribution rates are a blend of the one plan offered (7/1/06-12/31/06) and three plans offered (1/1/07-6/30/07) weighted by enrollment. For the 2008-2009
and 2009-2010 plan years the NAPEBT rates are a blend of all three plans weighted by enrollment.
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NAPEBT – Large Medical Claims Paid
Claims per Employee per Month
$ 540.00
$ 525.59
$ 520.00
$ 500.00
$ 47 6.41
$ 48 0.00
$ 460.00
$ 450.30
$ 440.00
$ 420.00
$ 400.00
FY 08
FY 09
FY 1 0
Fiscal Year
Total Claims
Average # of
Employees
Claims per Employee per Month
FY08
$19,499,142
3,609
$450.30
FY09
$21,078,317
3,687
$476.41
FY10
$22,797,920
3,615
$525.59
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NAPEBT – Total Claims Paid
Northern Ariz ona Public Employees Benefit Trus t
Paid Claims > $ 7 5,000
50
46
45
Number of C laims
40
36
35
31
30
25
21
20
17
15
10
14
12
11
6 7
6
5
1
6
3
5
8
7
5
2
6
4
0
$ 7 5,000$ 99,999
$ 1 00,000$ 1 24,999
$ 1 25,000$ 1 49,999
7 /1 /2006-6/30/2007
7 /1 /2008 -6/30/2009
$ 1 50,000$ 1 99,999
$ 200,000+
TOTAL
7 /1 /2007 -6/30/2008
7 /1 /2009-6/30/201 0
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NAPEBT Medical Plans
Blue Cross Blue Shield of Arizona
NAPEBT Rx Plans
CVS Caremark
Coconino Community College
Plan Year
July 1, 2011 – June 30, 2012
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NAPEBT
Northern Arizona Public Employees Benefit Trust
• Coconino County
• City of Flagstaff
• NAIPTA
Northern Arizona Intergovernmental Public Transit Authority
• Coconino Community College
• Housing Authority
• Flagstaff Unified School District
• Accommodation Schools
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MEDICAL PLAN EFFECTIVE July 1, 2011
In-Network
Buy-Up Plan
Base Plan
HDHP
$500
$1,000
$750
$1,500
$1,250**
$2,500**
PCP Copay – Per visit
$25
$35
80%/20%
Specialist Copay – Per visit
$35
$45
80%/20%
Chiropractic Copay
$35
$45
80%/20%
Urgent Care Copay
$50
$75
80%/20%
Emergency Room Access Fee
$100*
$150*
$100*
Inpatient Hospital Admit Fee
$100*
$100*
Does not apply
20% after ded
$3,000
$6,000
20% after ded
$3,000
$6,000
20% after ded
$4,000
$8,000
$5/$35/$55/$105
$5/$35/$55/$105
After ded – 20% or $5
2.5x Copay
2.5x Copay
After ded – 20% or $5
2x Copay
2x Copay
After ded – 20% or $5
$1,000
$2,000
$1,500
$3,000
$1,250**
$2,500**
40% after ded
40% after ded
40% after ded
Calendar Year Deductible: Per person
Per family
Member Coinsurance
Out of Pocket Maximum:
Per person
Per family
Rx Retail Copay
Rx Retail 90 day Copay
Rx Mail Order 90 day Copay
Out-of-Network
Calendar Year Deductible: Per person
Per family
Member Coinsurance
*Access/Admit Payment and Deductible applied prior to 80%/20% coinsurance **The In and Out-of-Network deductibles are combined for HDHP.
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MEDICAL PLAN EFFECTIVE July 1, 2011
Medical Plan FY12
Employee Cost
per pay period
Employee Cost
per month
Employer (CCC) Cost
per month
Total
Buy-Up Plan - $500 Deductible
$30.90
$ 61.80
$ 452.78
$ 514.58
Employee +1
$291.12
$ 582.24
$ 452.78
$ 1035.02
Employee + Family
$499.52
$999.04
$ 452.78
$ 1451.82
$ 10.00
$ 20.00
$ 452.78
$ 472.78
Employee +1
$ 249.11
$ 498.22
$ 452.78
$ 951.00
Employee + Family
$ 440.59
$ 881.18
$ 452.78
$ 1333.96
Employee
Base Plan - $750 Deductible
Employee
HDHP/HSA - $1,250 Deductible
* $27.68 per month employer contribution to HSA or FSA
$ 0.00
$ 0.00
$ 425.10
$ 425.10
Dependent
$ 215.02
$ 430.04
$ 425.10
$ 855.14
Employee + Family
$ 387.18
$ 774.36
$ 425.10
$ 1199.46
Employee
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MEDICAL PLAN EFFECTIVE July 1, 2011
Employee Cost Sharing
Approved & Adopted by NAPEBT
• Historically, NAPEBT Employers funded 100% of employee base level
premium
• Due to cost, NAPEBT will be shifting a portion of the base level premium
to employees.
•$20 will be added to your Cafeteria dollars ($200 to $220 per month).
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MEDICAL PLAN EFFECTIVE July 1, 2011
Employee Premium
Holiday
One Month at Last Year’s Rates!
This will occur in February of 2012
Medical Plan FY12
Buy-Up Plan
Employee
Employee + 1
Employee + Family
Base Plan
Employee
Employee + 1
Employee + Family
HDHP
Employee
Savings
Per Paycheck
Savings
For Month
$ 11.57
$ 31.06
$ 46.67
$ 23.14
$ 62.12
$ 93.34
$ 10.00
$ 27.91
$ 42.25
$ 20.00
$ 55.82
$ 84.50
$ 0.00 ($10 deposited to
HSA or FSG)
Employee + 1
Employee + Family
$ 16.10
$ 28.99
$ 0.00
($20 deposited to
HSA or FSG)
$ 32.20
$ 57.98
Total Cost to NAPEBT for Employee Premium Increase Holiday: $ 75,100
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MEDICAL PLAN EFFECTIVE July 1, 2011
HDHP Employer Contribution
• $27.68 per month ($332.16 per year)
•$20 CAF money can be contributed (totaling $572.16 per
year!)
• Health Savings Account if Eligible
• Who is NOT eligible for an HSA?
Individuals entitled to Medicare (eligible & enrolled)
Individuals covered under another non-HDHP
Individuals enrolled in AHCCCS or Medicaid or have used IHS
• Flexible Spending Account if NOT Eligible for HSA
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MEDICAL PLAN EFFECTIVE July 1, 2011
CVS/Caremark
New Rx Vendor
 Two ID cards
– Medical and Rx
–Continue to use same pharmacies
 Mail Order
–Will need a new prescription
–Fast Start program
 90 days at Retail for 2-1/2 times co-pay
 Grandfathering of drugs – first 6 months
– A small percentage of drugs will change tiers after 6 months (January
1, 2012)
– Will receive a letter if your drug is changing
 Register at Caremark.com
– Check drug costs
– Compare prices of Generic vs. Retail
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MEDICAL PLAN EFFECTIVE July 1, 2011
FYI…
Useful Information
 Mayo Clinic in Arizona
- Is an in-network Provider on all plans
- Includes Mayo Clinic and Mayo Clinic Hospital Services
- Identify as member of NAPEBT
 Waivers of Medical Coverage
- Other coverage under a qualified group plan other than
another NAPEBT employer, Medicare or Other Public
Health Coverage
- Must provide enrollment confirmation
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MEDICAL PLAN EFFECTIVE July 1, 2011
FYI…
Useful Information
 Deductibles run on calendar year
- January 1st – December 31st
 Dual-spouse Deductible Coordination
- Husband and wife employed by a NAPEBT employer.
- Base and buy-up plans only.
- One spouse must have family coverage.
- Indicate on the Blue Cross enrollment form that your spouse
works for NAPEBT and provide the spouse’s ID number.
 Member ID Cards
- Have available at every appointment!
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MEDICAL PLAN EFFECTIVE July 1, 2011
Patient Protection and Affordable Care
Act
Healthcare Reform

Pre-existing Condition Restrictions
- Removed for children younger than age 19
- Still applies for adults until 2014

Preventative Services
- No office visit co-pay for recommended screenings, general physicals and vaccinations

Eligible Dependents to Age 26
- Without regard to
- Student Status
- Marital Status
- Financial Dependence
- Only applies to legal child of employee
- Does not extend to the spouse or child(ren) of the adult child
- Applies ONLY to Medical plan and Flexible Spending Accounts
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Wellness Incentive Program
July 2012 – June 2013
NAPEBT – Self-funded Plan
• Rates driven by claims experience
• Increase of large claims
• Increased frequency of in-patient hospitalization
Improved Health of Employees
• Long-term results
Return on Investment
• Studies show a $4 return for every dollar spent on Wellness programs.
• Lower costs for everyone
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Wellness Incentive Program
July 2012 – June 2013
$20 Cost Share with Employee
• $20 per month increase to employee cost for Base and Buy-Up plans
totaling $40 per month.
• $20 decrease to HSA / FSA contribution on HDHP.
Opportunity to Waive the $20 Increase in FY 2013
• Employee participates in Wellness Program
• Complete Biometric Testing
• Fall 2011 Health Fair
• Jan – May 2012
• Complete MyBluePrint Health Assessment
• www.azblue.com
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NAPEBT Dental Plans
Delta Dental of Arizona
Coconino Community College
Plan Year
July 1, 2011 – June 30, 2012
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DENTAL PLAN EFFECTIVE JULY 1, 2011
Dental Plan FY12
Base Plan
Annual Maximum Benefit
per Person
$1,000
Routine Services
100%
Basic Services
80%
Major Services
50%
Calendar Year Deductible
$50 per person
$150 per family
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DENTAL PLAN EFFECTIVE JULY 1, 2011
No premium increase to dental rates
Monthly
Premium
Employee Cost
per
Pay period
Employee
$ 32.86
$ 16.43
Family
$ 92.20
$ 46.10
Dental Plan FY12
Base Plan
$1,000 Annual Benefit
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NAPEBT Vision Plans
VSP
Coconino Community College
Plan Year
July 1, 2011 – June 30, 2012
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VISION PLAN EFFECTIVE JULY 1, 2011
Vision Plan FY12
Buy-Up Plan
Base Plan
Employee Only
In-Network
Eye Exam
Once every 12 months
$15.00 Co-pay
$15.00 Co-pay
Prescription Lenses
Once every 12 months
$25 Material Co-pay
Lenses and/or Frames
$25 Material Co-pay
Lenses and/or Frames
Frames
Once every 24 months
$120 Allowance
20% Discount
on a complete
pair of glasses.
20% off additional cost
Contacts
Instead of Glasses
15% discount off
contact lens exam
$120 allowance for
exam & contacts
15% Discount on
Contact Lens
Exam
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VISION PLAN EFFECTIVE JULY 1, 2011
No premium increase to vision rates
Monthly Premium
CCC Cost
Employee Cost
per Month
Employee Cost
per Paycheck
Employee
$ 6.97
$ 0.77
$ 6.20
$ 3.10
Employee +
Family
$ 14.97
$ 0.77
$ 14.20
$ 7.10
Employee
$ 0.77
$ 0.77
$ 0.00
$ 0.00
Employee +
Family
$ 1.76
$ 0.77
$ 0.99
$ 0.50
Vision Plan FY12
Buy-Up Plan
Base Plan
Employee ONLY
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NAPEBT
Life Insurance Plans
Minnesota Life
Coconino Community College
Plan Year
July 1, 2011 – June 30, 2012
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LIFE INSURANCE PLAN EFFECTIVE JULY 1, 2011
Basic Term Life & Accidental Death &
Dismemberment Insurance
Coverage is 2 x annual salary up to $100,000
• Provided by Coconino Community College at no cost to the employee
• May convert to an individual policy upon separation of employment
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LIFE INSURANCE PLAN EFFECTIVE JULY 1, 2011
Voluntary Term Life Insurance
• Employee may increase elected coverage amount by
$10,000 at Open Enrollment without underwriting (up to the
Guaranteed Issue limit of $100,000)
• $100,000 guaranteed issue at original enrollment
• Maximum coverage amount = 5x annual salary up to $500,000
• Insure spouse up to half of employee’s voluntary coverage election
• Insure children @ $10,000
•Please see rate chart to calculate correct deduction.
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LIFE INSURANCE PLAN EFFECTIVE JULY 1, 2011
Voluntary Term Life Insurance
• Rate Change
• % of Increase Varied by Age Bracket
• Child Rate – No Change
Examples (see new rate chart)
Employee – Age 36
Previous Monthly Rate
Effective July 1, 2011
$ 5.60
$ 7.20
$ 19.00
$ 23.00
$ 3.25
$ 4.75
$ 14.40
$ 21.20
$80,000 Coverage
Employee – Age 52
$100,000 Coverage
Spouse – Age 47
$25,000 Coverage
Spouse – Age 59
$40,000 Coverage
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Flexible Spending Accounts
ASI Flex
Coconino Community College
Plan Year
July 1, 2011 – June 30, 2012
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FSA PLAN EFFECTIVE JULY 1, 2011
Flexible Spending Accounts

Reduce Tax Liability

Health Care FSA (HCFSA) – allows you to set aside pre-tax dollars to pay
for eligible health care expenses not covered by insurance or reimbursed
from any other source.
• Limited Purpose Health Care FSA (use with a High Deductible Health Plan
(HDHP) and Health Savings Account (HSA)
(dental, vision and preventive care expenses only)
• General Purpose Health Care FSA (qualified health care expenses)

Dependent Care FSA (DCFSA) – allows you to set aside pre-tax dollars to
pay for eligible day care expenses for children up to the age of 13, disabled
children over age 13, and elder care.
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FSA PLAN EFFECTIVE JULY 1, 2011
FSA – Medical
• Unreimbursed Medical, Prescription, Dental, & Vision expenses
• Up to $3,000 Per Year
• Debit Card
• Reimbursement by Check or Direct Deposit
• Full Amount Elected Available Immediately
• MUST RE-ENROLL EACH YEAR!
• Use or Lose – Be Conservative!
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FSA PLAN EFFECTIVE JULY 1, 2011
Ineligible Health Care Expenses
• Cosmetic Expenses
• Rogaine, bleaching of teeth, cosmetic surgery (other than
reconstructive surgery following a mastectomy for cancer)
• Dietary Supplements such as Vitamins (unless prescribed by a
physician)
• Personal Use Items
• Health Club Memberships
• Tanning Salon
• Over-the-Counter Medications Unless Prescribed by a Doctor
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FSA PLAN EFFECTIVE JULY 1, 2011
FSA – Dependent Care
• Up to $5,000 per year
• Reimbursement by Check or Direct Deposit
• Funds Available as Contributed
• MUST RE-ENROLL EACH YEAR!
• Use or Lose – Be Conservative!
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FSA PLAN EFFECTIVE JULY 1, 2011
Ineligible Dependent Care Expenses
• School Expenses for Children in Kindergarten or Older
• Overnight Camping
• Expenses for a Child Age 13 or older (unless disabled)
• Expenses for Nighttime Babysitting
• Daycare Expenses During an Extended Leave of Absence
• When a Dependent is Providing Child Care
• Expenses Paid to Your Child Under the Age of 19
(even if child is not your dependent)
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Health Savings Accounts
HealthEquity
Coconino Community College
Plan Year
July 1, 2011 – June 30, 2012
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HSA PLAN EFFECTIVE JULY 1, 2010
Health Savings Accounts





Only available with election of HDHP
Reduce Tax Liability
Use like flexible spending account for Medical, Prescription, Dental
and Vision
Unspent money rolls over year after year; NOT use it or lose it
Take it with you when you leave or retire
• Pay for COBRA, Medicare or Long Term Care Premiums
• Never pay taxes as long as used for qualified expenses
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HSA PLAN EFFECTIVE JULY 1, 2010
FYI…
Useful Information
• Health Equity and Blue Cross Blue Shield of Arizona have created an
integrated Health Savings Account (HSA) solution.
•Your claims information will now be available with your HSA account
information for easier management of claims payment and review.
• When you login to the Blue Cross web site (www.blueaz.com) you
can click on a link to take you to the Health Equity portal where you
can view your claims, see how much you owe, and process payment
(pay a provider, or yourself) – all from the same website.
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Voluntary Short-term
Disability
Assurant
Coconino Community College
Plan Year
July 1, 2011 – June 30, 2012
38
Assurant Short Term Disability
Benefit amount can not exceed 66 2/3 of your regular monthly salary.
Elimination Period: 7 days for injury, 7 days for sickness.
Duration: 6 months
Pre-Existing Condition Limitation:
 Benefits are not payable for disabilities that commence within 12 months
of your effective date that are caused by, contributed by, or resulting from
a pre-existing condition. A pre-existing condition means a condition you
received medical treatment, consultation, care or services, including
diagnostic measures, or took prescribed drugs for the condition in the 12
months just prior to your effective date.
Portability:
 You may continue coverage after your employment ends. Coverage will
be continued at 50% of the monthly benefit you are insured for at the time
you ended employment.
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Assurant Rates
Guarantee Issue Amount: $2,000
Minimum Gross Annual
Salary
Maximum Monthly
Benefit
Monthly Premium
$6,480
$360
$8.36
$9,180
$510
$11.68
$13,500
$750
$16.94
$18,000
$1,000
$22.44
$21,600
$1,200
$26.84
$27,000
$1,500
$33.44
$30,600
$1,700
$38.38
$36,000
$2,000
$45.14
$40,500
$2,250
$50.78
$45,000
$2,500
$56.42
$49,500
$2,750
$62.06
$54,000
$3,000
$67.72
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403(b) and 457(b) plans
ING, Valic, The Hartford, MetLife,
and Security Benefit
Coconino Community College
Plan Year
July 1, 2011 – June 30, 2012
41
403(b), 457(b) and Roth 403(b) Plans
This a convenient way to set money aside, tax free for future needs
such as education and/or retirement.
Who’s eligible to participate:
 All employees who work at least 20 weeks/fiscal year and at least 20 hours per
week are eligible to participate.
 Part-time Faculty.
The Companies available for the 403 (b) and 457 (b) plans are ING,
VALIC, The Hartford, MetLife, and Security Benefit.
To set up an account:
 First contact a vendor.
 Then complete the Salary Reduction Agreement form.
42
Open Enrollment
Instructions
How to make changes
Coconino Community College
Plan Year
July 1, 2011 – June 30, 2012
43
Changes online and complete forms
 Complete the appropriate forms. Each vendor has their own form.
 Forms available on intranet and hard copies in Human Resources.
 Remember to update beneficiaries. Unable to make changes on-line at this time.
 Must be done by May 18, 2011.
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Open Enrollment 2011
Questions?
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