2016 Health Benefits October 2015 1 Health Care Advisory Committee - PowerPoint PPT Presentation

2016 Health Benefits October 2015 1

Health Care Advisory Committee • Bruce Arick (Finance/Administration) • Anita Watts (HR) • Randal Brown (HR) • Jeanne VanTyle (Faculty) • Todd Hopkins (Faculty) • Gabriela Muniz (Faculty) • Nandini Ramaswamy (Staff) • Carrie Maffeo (Faculty) • Sheri Alexander (Gregory & Appel) • Chad Morris (Gregory & Appel) 2

2016 Health Plan Rate Increase Premium Increases for 2016 Plan Year: 0% !!!! 3

2015 Wellness Initiatives • Healthy Horizons Comprehensive Wellness Plan – $100 incentive for annual confidential wellness consult – $150 additional incentive for proactive management of primary health risk factors – $250 total potential incentive 4

2015 Wellness Initiatives • Healthy Horizons Focused Disease Management – Confidential assistance in proactive management of asthma/COPD, diabetes, and cardiovascular disease (CVD) – Free access to routine lab tests, counseling, disease management, and education 5

2015 Wellness Initiatives • Health & Recreation Complex (HRC) Employee Wellness – Subsidy • $250 annual membership versus $614, no minimum usage required. • $3 versus $7 per visit – Incentives • $25 /year for Physical Fitness Assessment • $5 discount /session of personal training • 50% discount /session for Dietitian Services 6

2015 Wellness Incentives • Total Incentives Pay 1/1 – 9/30/2015 Approximately $73,700 7

2015 Overview-Healthy Horizons The purpose is to promote healthy living by providing a comprehensive and confidential wellness package to Butler faculty and staff and now expanding to your spouse or domestic partner. • Participants in Physical Activity, Rewards, Financial Wellness & Stress Reduction Programs: 430 (January 1 – September 14, 2015) • Annual Wellness Consult Includes: – Health Screening (cholesterol, blood pressure, blood glucose, weight assessment) – Health Risk Assessment – Personalized Action Plan with Health Goals • Annual Wellness Consults: 275 Representing 315 • Health Management Appointments: 910 Unique Individuals – Includes: Blood pressure, cholesterol, medication, and weight management – INR (warfarin) monitoring – Health Coaching 8 www.butler.edu/healthy-horizons

2015 Overview - HRC • Faculty/Staff Memberships @ 130, an increase of approximately 44% over 2014 • Personal Training – 338 YTD versus 255 in 2014 • Dietitian Sessions – Doubled in Spring 2015 versus Fall 2014 • Physical Fitness Assessments – 30 YTD versus approximately 5/year 9

2015 Overview-HealthAdvocate One, toll-free number supporting all health and benefit needs … delivered by a dedicated, specialized team of clinical and benefit experts to assist you with health care and insurance-related issues. -340+ Interactions (calls and emails) -104 hours (Jan-Aug ‘15) 10

2015 Overview-Castlight Health The health care shopping and quality transparency tool that allows you to take charge of your health care. • Registration rate: 45% • Return usage: 26% • Total searches: 4,332 • Total unique visits to website: 603 • Number of page views per user per session: 14 (Sept. ‘14 – Aug. ‘15) 11

Health Care Reform 1/1/2016? Employer Reporting of Health Coverage • Employers with 50 or more employees will be required to provide information to the IRS and employees about the health plan coverage they offer to their employees in 2015. • Employers will be required to provide health care benefits to certain part-time employees that qualify under new Health Care Reform guidelines. (Form 1095-C) 12 http://www.irs.gov/uac/Patient-Centered-Outcomes-Research-Trust-Fund-Fee:-Questions-and-Answers

2016 Vendor Partners Returning Partners • Medical/Vision – Anthem • Dental – Delta Dental • Health Savings Account – HSA Authority by Towers Bank (Old National Bank) • Life, STD, LTD, and EAP – One America • Castlight • Health Advocate (Under review) New Partners • Flexible Spending – Discovery Benefits 13

Flex Spending/Discovery Benefits Benefits of Flex Spending Past Flex Spending Issues • Tax Deferred • Delayed reimbursements • Debit Card Convenience • Co-pay substantiation • Note Maximum • Repeat claim substantiation – Health $2,550 • Declining customer svc. & – Dependent Care $5,000 communication 14

Health Plan Participation 2015 2014 2013 • Core 431 446 446 • Buy-Up 138 132 106 • Plus 150 169 205 • CDHP 154 125 89 • Total 873 872 846 (as of September 30, 2015 projected) 15

Health Plan Performance ($ in 000’s) 2009 2010 2011 2012 2013 2014 YTD 2015* Participants 772 804 823 834 846 871 873 Annual Plan Surplus/(Deficit) ($537) $724 $795 ($221) ($429) $49 $1,378 Cumulative Surplus/(Deficit) $187 $982 $761 $332 $381 $1,759 % of Total Plan Costs 3% 12% 8% 3% 4% 28% Total Plan Costs $7,096 $6,763 $7,996 $8,989 $9,681 $10,019 $7,145 Total Funding $6,559 $7,487 $8,791 $8,768 $9,252 $10,068 $8,523 Butler Contribution $4,985 $5,690 $6,691 $6,735 $7,116 $7,811 $6,700 Participant Contributions $1,574 $1,797 $2,101 $2,034 $2,136 $2,257 $1,823 Butler Contribution % 76% 76% 76% 77% 77% 78% 79% Participant Contribution % 24% 24% 24% 23% 22% 22% 21% *Through 9/30/2015 projected 16

2014-15 Plan Benchmarks PPO Plans ¡ Core ¡ Buy-Up ^ ¡ Plus ¡ Butler Ave. ¡ CUPA Benchmark ¡ CDHP ¡ CUPA Benchmark ¡ Single ¡ Family ¡ Single ¡ Family ¡ Single ¡ Family ¡ Single ¡ Family ¡ Single ¡ Family ¡ Single ¡ Family ¡ Single ¡ Family ¡ ¡ ¡ ¡ ¡ ¡ ¡ ¡ ¡ Deductibles ¡ $ 1,250 ¡ $ 3,125 ¡ $ 1,000 ¡ $ 2,500 ¡ $ 750 ¡ $ 1,875 ¡ $ 1,000 ¡ $ 2,500 ¡ $ 500 ¡ $ 1,000 ¡ $ 2,000 ¡ $ 4,000 ¡ $ 1,800 ¡ $ 3,750 ¡ OOP Maximums ¡ $ 3,750 ¡ $ 7,500 ¡ $ 3,000 ¡ $ 6,000 ¡ $ 2,250 ¡ $ 4,500 ¡ $ 3,000 ¡ $ 6,000 ¡ $ 2,800 ¡ $ 6,000 ¡ $ 4,000 ¡ $ 8,000 ¡ * ¡ $ 3,500 ¡ $ 7,000 ¡ Coinsurance ¡ 25% ¡ 25% ¡ 20% ¡ 20% ¡ 20% ¡ 20% ¡ 22% ¡ 22% ¡ 20% ¡ 20% ¡ 20% ¡ 20% ¡ 10% ¡ 10% ¡ Office Visit ¡ $ 30 ¡ $ 30 ¡ $ 20 ¡ $ 20 ¡ $ 20 ¡ $ 20 ¡ $ 23 ¡ $ 23 ¡ $ 25 ¡ $ 25 ¡ ¡ ¡ ¡ ¡ Specialist Visit ¡ $ 50 ¡ $ 50 ¡ $ 40 ¡ $ 40 ¡ $ 40 ¡ $ 40 ¡ $ 43 ¡ $ 43 ¡ $ 30 ¡ $ 30 ¡ ¡ ¡ ¡ ¡ Emergency Room ¡ $ 175 ¡ $ 175 ¡ $ 175 ¡ $ 175 ¡ $ 175 ¡ $ 175 ¡ $ 175 ¡ $ 175 ¡ $ 100 ¡ $ 100 ¡ ¡ ¡ ¡ ¡ Employer HSA Contr. ¡ ¡ ¡ ¡ ¡ $ 750 ¡ $ 1,500 ¡ $ 700 ¡ $ 1,200 ¡ Total Monthly Cost ¡ $ 571 ¡ $ 1,407 ¡ $ 643 ¡ $ 1,586 ¡ $ 734 ¡ $ 1,810 ¡ $ 649 ¡ $ 1,601 ¡ $ 600 ¡ $ 1,587 ¡ $ 499 ¡ $ 1,301 ¡ $ 477 ¡ $ 1,329 ¡ Monthly EE Contr. % ¡ 6.5% ¡ 29.6% ¡ 13.2% ¡ 35.2% ¡ 17.8% ¡ 38.6% ¡ 12.9% ¡ 34.9% ¡ 19% ¡ 30% ¡ 6.0% ¡ 24.7% ¡ 13% ¡ 24% ¡ Monthly EE Contr. $ ¡ $ 37 ¡ $ 416 ¡ $ 85 ¡ $ 559 ¡ $ 131 ¡ $ 698 ¡ $ 84 ¡ $ 558 ¡ $ 114 ¡ $ 476 ¡ $ 30 ¡ $ 335 ¡ $ 62 ¡ $ 319 ¡ Butler Plan Data for 2014 17 * Changed to $6,850 effective 1/1/2016 ^ Buy-Up Plan eliminated effective 1/1/2016

2016 Health Plan Changes • Consolidate Buy-Up & Plus PPO Plans – Eliminate Buy-Up; Maintain Plus, Core, and CDHP • Decrease CDHP Family Out-of-Pocket Maximum from $8,000 to $6,850 to meet Health Care Reform requirement. • Same-Sex Domestic Partner Access – Same-sex Domestic Partner Participants currently enrolled in the health plans will continue to be covered as unmarried domestic partners. – Effective January 1, 2016 health plan access available to employees, spouses, and qualified dependents. 18

Future Considerations • Additional Incentives • Salary-Based Premium Contributions • “Working-Spouse” Rule 19

How can you continue to help? • Participate in 2016 Confidential Wellness Initiatives. • Participate in Family Age-Appropriate Preventive Maintenance Medical Services • Continue using Castlight Health to evaluate quality and value options • Continue using Health Advocate for claims assistance, benefit education and as a medical and prescription advocate • Get your Flu Shot this fall 20

Future Dates • Health Care Forums – October 21, 2015 @ 3:00 p.m. in JH-141 – October 22, 2015 @ Noon in PB-204 • Benefits Open Enrollment – November 2 – November 16, 2015 – Paper packets released October 26, 2015 – See www.Butler.edu/HR for presentations and computer lab dates and times 21

Questions? Prize Drawings 22