Welcome to New Employee Benefit Orientation To print/review the - PDF document

Welcome to New Employee Benefit Orientation To print/review the materials for today’s orientation go to: 1 http://hrs.wsu.edu/new-employee-information 2018 Employee Benefits Orientation An overview and highlights of the Public Employee Benefits Board (PEBB) plans available to WSU benefits-eligible employees. Presented by Human Resource Services http://h ://hrs.w rs.wsu su.e .edu/n /new-e -employee-info form rmat ation Updated April 2018 Intr Introduction a oduction and d Common mmon Questions estions Medical Medical Plans Plans • How the plans work • Classic & Value Managed Care Options • Classic Preferred Provider Organization (PPO) Agenda • Accountable Care Plans (PPO) • CDHP with HSA Pr Pre-ta e-tax S Spending ending Arrangements ngements Dent ntal Plans al Plans Life Insur Life Insurance nce Long T Long Term rm Disability Insurance Disability Insurance (L (LTD) TD) Additional Benefits dditional Benefits and and Resour Resources ces 3

Public Employees Benefits Package 4 The Public Public Employees Benefits Boa ployees Benefits Board d (PE (PEBB) BB) provides the Washington State employee benefits package, which is administered by the He Heal alth Care Care Aut Authority (HCA) (HCA). Know HCA will send periodic mailings in regards to Open Enrollment These periods, dependent eligibility and various other topics. Names: You can find detailed plan information and resources at : www.hca.wa.gov/pebb 5 PE PEBB BB Employee E ployee Enrollment G llment Guide ide PEBB Contact Information for Providers (pg. 2-3) Employee Selecting a PEBB Medical Plan (pgs. 27-30) Enrollment Information on Language Access (pgs. 71-73) Guide Information Infor ion Topics hrs.wsu.edu/benefits & hca.wa.gov/pebb WSU Insider Resources Email Forwarding HRS Office: (509) 335-4521 – Monday – Friday 8-5 hrs@wsu.edu 6

Common Questions 7 When does basic coverage begin? (Medical, Dental, Life & LTD) If If f forms are s e submitted bmitted after ter your your ef effectiv ctive e da date, te, you a you are s e still cov ill covered, d, but ma but may y not yet be not yet be reflected ected as cov covered when you d when you seek eek services ices. Once ce all ll forms a are pr e proces ocessed, d, cov coverage will ge will retr troa oactiv ctively go ely go into into ef effect. ct. Retr troa oactiv ctive e pr premiums emiums will will also be deducted f be deducted from om the the ef effectiv ctive e da date. te. 8 Coverage erage will beco will become me effective the firs effective the first o t of the mo the month nth follo fo llowing the wing the date date the the fo form was rm was s submitted bmitted , provided it was submitted within the enrollment deadline period. When does • Optional life insurance (or after underwriting approval) other • Optional long term disability insurance benefit • Flexible spending accounts • Dependent care assistance accounts coverage The one exception is if you submit the form on the first working day of a begin? month, the coverage will be effective that date. 9

ELIG IGIBLE IBLE DE DEPE PENDE NDENTS Spouse/S ouse/State tate Register gistered Domestic Par ed Domestic Partner ner • Lawful spouses • Registered domestic partners from other states/countries Who can I • Registered domestic partners in Washington • One partner must be at least age 62 cover? Children Children • Biological, step, adopted, and children under legal obligation • Up to age 26, regardless of student or IRS dependent status • Disabled children, incapable of self-support, may be able to be carried beyond age 26 10 Medical ID cards are sent out about 2-3 weeks after When will I enrollment forms have been submitted. • Employee ID cards are sent first get my ID • Dependent ID cards are sent in a separate mailing cards? Please note: You will not receive a dental ID card from Uniform Dental 11 Benefit Acknowledgement Form (BAF) • Includes due dates for submitting enrollment forms Enrollment forms are in the back section of your Employee Enrollment Guide. How do I Option to waive coverage (pg. 19) • Employees must submit their enrollment form to HRS to waive enroll or coverage • Employee must have other employer-based medical coverage waive • Medical coverage can be waived, while dental coverage cannot coverage? You must provide Dependent Verification to enroll dependents Plea Please Note: Note: Employees Employees who do who do not s not submit bmit their their enr enrollment f llment form within within 31 calenda 31 ca lendar da days ys of of hir hire, will will be def be defaulted ulted to Unif to Unifor orm M m Medica dical l Pla Plan Cl Classi assic and and Uni Uniform D orm Dental ntal Pl Plan, employee only employee only cov coverage. ge. 12

PE PEBB does BB does not allow dual enrollment not allow dual enrollment within within the the Washington shington Stat St ate PEB PEBB ne network. ork. What If I Am If you are already enrolled in PEBB coverage as a dependent under Already your spouse’s, state-registered domestic partner’s, or parent’s plan, you may either choose to: Enrolled in • PEBB Wa Waive PEBB medical coverage, and stay enrolled under your spouse’s, partner’s, or parents medical plan. You must then Medical/Dental be removed from your spouse, partner’s or parent’s dental coverage. Coverage? • Enro En roll in PEBB medical coverage under your own account, and have your spouse, partner or parent remove you from their medical coverage. You must also then be removed from your spouse, partner’s or parent’s dental coverage. 13 Durin During t the An e Annual Open Open En Enro rollmen llment • Occurs each November • When Can I Changes Effective January 1 of the following year Make During S Durin Spec ecia ial Op l Open en En Enro rollmen llments Changes to • Defined as a Special Open Enrollment Event (see pgs 15-18) • Must request change within 60 calendar days of the event Coverage? • Delay in submission will result in delay in coverage or the ability to make the change 14 • Effective January 1, 2014, most individuals are required to have health insurance coverage. • Health insurance offered to benefit-eligible WSU Faculty, How Does Staff and non-student hourly employees has been the determined to meet and/or exceed the coverage standards identified by the ACA . Affordable • If you are currently enrolled in a Marketplace Plan you may no longer be eligible for that plan. Contact the Care Act Administrator as soon as possible. (ACA) Affect Me? Webpage Resources hrs.wsu.edu/aca *Healthcare.gov 15

Medical Plan Details 16 • No lifetime maximum • No pre-existing condition restrictions or waiting periods • Vision benefits All Plans • Preventative health benefits Provide • Emergency or Urgent Care, outside of provider network Please Note: Today we will be talking about our employee benefit plans, and while we try and be as accurate as possible in our presentation the plans are ruled by the certificates of coverage (COCs). If the descriptions presented differ from the COCs, the COCs will govern. 17 Medical Expenses through a Calendar Year Plan: Plan: Deductible: $250 Co Co-insur nsuranc ance/Co /Co-pay: 20% Ou Out-P t-Pocke cket Limit: Limit: $2,000 $250 COINSURANCE DEDUCTIBLE UP TO YOU PAY PLAN YOU PAY $2,000 How our 100% PAYS 20% OUT-OF-POCKET MAXIMUM 100% plans work AFTER THROUGH DEDUCTIBLE END OF REACHED PLAN YEAR AFTER PAYS OUT-OF-POCKET 80% MAXIMUM REACHED 18

Plans Available are Limited by the County Where You Live Plans Available by County (pgs. 31 ‐ 32) 19 Multiple Plan Options • Managed Care plans • Preferred Provider plans • Varying levels of deductibles Medical • Varying networks Plans Preferred Provider Consumer Managed Care Accountable Care Organizations Directed Health Plans (aka HMO) Plans (PPO) Plans Kaiser WA Classic Uniform Medical Uniform Medical Uniform CDHP (formerly Group Plan Classic Plan Plus (PPO) (PPO) Health) Kaiser WA Kaiser WA CDHP Kaiser WA Value SoundChoice (PPO) (HMO) Kaiser NW CDHP Kaiser NW Classic (HMO) 20 PEBB Medical Employee Employee + Employee + Full Family Plan Spouse Child(ren) 2018 2019 2018 2019 2018 2019 2018 2019 Kaiser WA $ 162 $ 165 $ 334 $ 340 $ 284 $ 289 $ 456 $ 464 Classic 2018/2019 Kaiser WA Value $ 78 $ 88 $ 166 $ 186 $ 137 $154 $ 225 $ 252 Monthly Kaiser WA $ 51 $ 35 $ 112 $ 80 $ 89 $ 61 $ 150 $ 106 SoundChoice Medical Kaiser WA CDHP $ 25 $ 25 $ 60 $ 60 $ 44 $ 44 $ 79 $ 79 Kaiser NW Premiums $ 137 $ 143 $ 284 $ 296 $ 240 $ 250 $ 387 $ 403 Classic Kaiser NW (pg. 24) $ 27 $ 28 $ 64 $ 66 $ 47 $ 49 $ 84 $ 87 CDHP UMP Classic $ 102 $ 107 $ 214 $ 224 $ 179 $ 187 $ 291 $304 UMP CDHP $ 25 $ 25 $ 60 $ 60 $ 44 $ 44 $ 79 $79 UMP Plus $ 45 $ 50 $ 100 $ 110 $ 79 $ 88 $ 134 $ 148  Amount split per paycheck  Does not increase with  Retroactive premiums are  Premiums are 21 additional children deducted for past coverage deducted pre ‐ taxed (paid twice per month)