Fall Benefits Training
Open Enrollment (OE) Dates Get it done early! Starts Thursday, October 29, 8:00 AM Tuesday, November 24, 5:00 PM Ends
Why we should get it done early! 32,509 submissions last year Most submissions by day: October 31------1,393 (first day of OE) November 19--------------2,744 November 20------1,596 November 21------1,524 November 23/24--------------------4,077 November 25-------------------------4,287 November 26---------------------------------------5,758 (last day of OE) Almost twice as many employees on UCPath for this OE period
Actions & Reminders Change or enroll in medical, dental, vision, legal Add eligible family members in medical, dental, vision or legal Enroll in Health and/or Dependent Care FSA (must re-enroll each year) Start or change contribution to Health Savings Account (HSA) Learn more about your plans Reminders If you do not wish to make any changes, you do not need to take any action ( except for Health and/or Dependent Care FSA, you must re-enroll each year ). Your current insurance coverage will continue, but your costs may change.
All Health Plans Continue in 2021 UC Blue & Gold HMO ▪ Kaiser HMO ▪ UC Care PPO ▪ Health Savings Plan ▪ Core ▪ Delta Dental PPO ▪ DeltaCare USA ▪ Vision Services Plan ▪
2021 Medical Pay Band Adjustment Range for Medical Range for Medical 2020 Contribution Base 2021 Contribution Base Pay Using Full-Time Pay Using Full-Time Band Band Salary as of Salary as of Jan 2019 Jan 2020 1 $58,000 & under 1 $ 59,000 & under 2 $58,001 to $114,000 2 $ 59,001 to $118,000 3 $114,001 to $171,000 3 $ 118,001 to $176,000 4 $171,001 & above 4 $ 176,001 & above 2021 Medical Contribution Base Using Full-Time Salary as of January 2020
Changes in Employee Medical Rates No employee nets are increasing more than $12. Employee contributions are flat for UC Care and Health Savings Plan. Self & Self & Self & 2020 to 2021 Changes Self Adult & Child(ren) Adult Child(ren) UC Blue & Gold HMO $3.13 $5.63 $9.12 $11.62 Kaiser $2.00 $3.60 $4.38 $5.98 CORE $0.00 $0.00 $0.00 $0.00 Health Savings Plan $0.00 $0.00 $0.00 $0.00 UC Care $0.00 $0.00 $0.00 $0.00 *Rates subject to collective bargaining unit agreements
2021 Employee Premium Contributions *Rates subject to collective bargaining unit agreements
UC Blue & Gold HMO Plan Changes Emergency Room Copay � Increase from $75 � $125 (waived if admitted) Annual Out-of-Pocket Maximum � Will exclude copayments for hearing aids and infertility treatments Telehealth Provider Change from Teladoc to Babylon Early Rx Refill Policy Number of days in advance that a refill can be obtained will be reduced Kaiser HMO Plan Changes Emergency Room Copay � Increase from $75 � $125 (waived if admitted) Outpatient Rx Drugs with an over the counter (OTC) equivalent excluded from coverage
UC Care PPO Plan Changes Deductible increase for Tier 2 & 3 Out-of-Pocket Maximum increase by $1,000: Individual: Individual: Tier 2 Anthem Preferred: $250 � $500 Tier 1 UC Select: $5,100 � $6,100 � � � Tier 3 Out-of-Network: $500 � $750 � Tier 2 Anthem Preferred: $6,600 � $7,600 � Tier 3 Out-of-Network: $8,600 � $9,600 Family: Tier 2 Anthem Preferred: $750 � $1,000 Family: � Tier 3 Out-of-Network: $1,500 � $1,750 Tier 1 UC Select: $8,700 � $9,700 � � � Tier 2 Anthem Preferred: $13,200 � $14,200 � Tier 3 Out-of-Network: $19,200 � $20,200 Co-insurance increase from 20% � 30%: ER Care w/o admit increase from $200 � $300 � � Office visits on all tiers � Inpatient services � Outpatient services � Urgent Care Copay decrease from $30 � $20 � Applies to services obtained in the USA
Health Savings Plan PPO • Health Equity continues as HSA administrator UC contribution is • UC Contribution (1/1/2021) prorated for plans that start after ❖ $500 individual January 1 ❖ $1,000 family (2+) • Employees may change HSA contributions during OE or anytime in UCPath
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Dental C rown and Prosthodontic replacement frequency change from once every 5 years � once every 7 years Delta Dental PPO Covered Exams reduced from 4 per year � 2 per year Delta Dental UC pays full cost for employees & families Crown Fusion copay increase from $50� $150 DeltaCare USA HMO
VISION No plan design change VSP Walmart Vision Centers added to UC pays full cost for network employees & families Network Change from VSP Choice � Advantage
Non – Medical Plans Disability – Lincoln Financial Group S upplemental Health - Aflac No plan design changes • No rate or plan design changes • No rate increases for Basic or Short- • term Disability Enroll on Aflac’s website or by • phone An average of $10.50 rate increase • for Voluntary Long-term Not open for enrollment during OE* • Legal - ARAG No rate changes • Life - Prudential New Diversity and Inclusion services No plan design changes • Domestic Partnership • Rates for Supplemental and • Funeral Directives • Dependent Life are decreasing an Hospital Visitation Authorizations • average of 7% Gender Identifier changes on • Not open for enrollment during OE* gov’t issued documents • *Apply anytime with EOI
Flexible Spending Accounts (FSAs) Discovery Benefits will replace WageWorks Jan. 1, 2021 • Administer Health and DepCare FSA • One card, One service Account, and One Mobile App • FSA Account Limits 2021 • Health FSA: $2,700 • Dependent Care FSA : $5,000 I f you want to participate in the FSAs, you must re-enroll each year
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Open Enrollment Resources UC Virtual Benefits Fair: ucal.us/benefitsfair • • Opens at 8am, October 27 UCnet Open Enrollment Website: ucal.us/oe • OE content and plan costs for Faculty/Staff & Retirees • • Available October 26 ● UCPATH WEBINAR S- ● Schedule is now available on UCnet UCPATH: sso.ucsb.edu • Assistance with enrollment questions and/or navigation issues • • Live countdown on Employee Dashboard • Ready to answer questions as of October 26 • Spanish speaking representatives available to assist
UC’s Virtual Benefits Fair Go to ucal.us/benefitsfair • • UCSB specific intro video • Attend plan specific virtual presentations • Ask questions from Plan Administrators Spanish material • OE Brochure-( English version mailed ) • Which Medical Plan is right for you • Opens October 27 and is Accessible 24/7 until 5 pm on November 24 th Employees will need to register the first time they visit: • Name • Email address • UC location • Active employee or retiree/other annuitant • If visit a second time, provide email address to enter the event •
Open Enrollment Resources (Local) ● HR WEBINARS- Hosted by Rebecca Preza, HealthCare Facilitator (live and recorded versions -see Flyer) ● UCSB Human Resources ServiceNow ● Benefits education, general open enrollment questions ● Employee Services � Benefits Administration � Open Enrollment Questions ● HR/Employee Services/Benefits Administration/OE website ● Open Enrollment Flyer ● Health Insurance ID card grid ● Links to UCPath Employee Guide Sheets; ■ Completing Open Enrollment in UCPath ■ How to add Dependents
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Communication ● UCnet Preview article-posted now (Spanish version available) ● UCnet Open Enrollment website-October 26 ● UCnet Announcement with UCPath how-to and FAQs-October 29 ● OE Posters-available now (Spanish version available) ● OE mailings to employees October 23 (snapshot date is October 2) ● UCSB/HR-campus OE communication -October 26 ● UCSB/HR Open website-October 29 ● UCSB/HR DBR listserv- OE Reminders
Confirmation of OE actions Employees can confirm OE action once a day, only. ● Employees view their OE enrollments by logging in to UCPath ● and viewing their Benefits Summary page using January 1, 2021 as the effective date. Employees will receive a Submission Statement after each OE ● event submission. Final OE Confirmation Statements will be emailed by ● 12/07/2020.
Newly Hired Employees ● OE Packets will be mailed to the following new employees: ● New Hires after October 2 and before OE begins ● New Hire Benefit Enrollment between October 29 and November 24, 2020 ● New Hire Benefit Enrollment between November 25 and December 31, 2020. Specific instructions for FSA.
Employees on a Leave of Absence • Employees on Paid Leave: • Elections available via Self Service in UCPath and may make changes to all open benefits during OE. • Employees on Unpaid Leave: • Elections not available via Self Service portal. • Employees on unpaid leave as of 10/2/20 will receive a letter (via USPS) from UCPath with options for Open Enrollment including a paper enrollment, if applicable. Forms can be emailed, faxed, or mailed. All employees on leave will receive a notice from HR/UCSB Leave Administration with directions and links.
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