Southeast Missouri State University Benefits Orientation

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Southeast Missouri State UniversityBenefits
Orientation
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Your 2009 Benefits

• Your benefits are effective on your date of hire
• Health Insurance
• Anthem Blue Cross Blue Shield
• Vision Insurance
• Vision Service Plan
• Dental Insurance
• Delta Dental of Missouri
• Flexible Spending Accounts

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Your 2009 Benefits (continued)

• Life Insurance
• Hartford Life
• Retirement
• MOSERS (Faculty Staff)
• CURP (Faculty only)
• Educational Benefits
• Employee Assistance Program
• You will complete enrollment forms during
  orientation. You are allowed 31 days from date of
  hire to finalize benefit elections.

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Health Insurance Basics

• Blue Access PPO Network
• Nationwide access
• Worldwide access
• Unlimited lifetime maximum
• Website http//www.anthem.com
• Pre-existing conditions 12 months exclusion, can
  be waived by providing a HIPAA certification (a
  statement certifying proof of prior coverage)

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Health Insurance Basics

• Dependent Coverage
• Up to age 25 regardless of student status
• If not enrolled at employees date of hire
  dependents can enroll during annual open
  enrollment
• Dependents can enroll within 31 days of an IRS
  Qualifying Change in Family Status (e.g.,
  marriage, divorce, birth of child, change in
  spouses coverage status, etc.)
• Pre-existing conditions for 12 months unless a
  HIPAA certification is provided.

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Health Insurance Basics

• Coordination of Benefits
• Anthem Blue Cross and Blue Shield will coordinate
  benefits with other group health coverage that
  you or your covered family members may have.
• To ensure that Anthem has up-to-date information
  they may periodically ask members about other
  health insurance coverage.
• If any information regarding your or your
  families health insurance changes, please fill
  out a coordination of benefit form and send to
  Anthem.

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Health Insurance Basics

• Problems with Claims?
• Contact Anthem
• Call physicians office
• View your claims online at http//www.anthem.com
  
• Contact the Benefits Office for further
  assistance.

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Health Insurance Basics

• HIPAA
• (Health Insurance Portability and Accountability
  Act)
• HIPAA improves the portability, security and
  privacy of protected health information.
• When obtaining assistance regarding claims issues
  through the Benefits Office, employees must sign
  an authorization for release of information form.

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Health Insurance Basics

• Prescription Drugs Coverage
• Visiting Network Retail Pharmacies
• 30-day supply
• No RX Copays
• Pharmacist processes Rx through Anthem computer
  system
• 20 Cost share after deductible

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Health Insurance Basics

• Prescription Drugs Coverage
• Anthem Mail Services
• 90-day supply
• No RX Copays
• Pharmacist processes Rx through Anthem computer
  system
• 20 Cost share after deductible

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Health Insurance Basics

• Prescription Drugs Coverage
• Prior Authorization
• Goal To assist employees with cost control of
  medications
• The process of obtaining approval of benefits
  before certain prescriptions may be filled.
• Must be obtained by your physician in order to
  receive benefits
• To find out which drugs require prior
  authorization visit www.anthem.com

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Health Insurance Basics

• Health Insurance Opt Out Provisions
• Employees can decline individual health coverage.
• If opting out
• Employee premium dollars are not available
• Cannot return to Anthem Blue Cross and Blue
  Shield until next annual open enrollment or IRS
  Qualifying Event
• Must sign disclaimer form verifying intention to
  decline coverage

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Health Insurance Basics

• Health Incentive Accounts (HIA)
• Allows members to earn health care dollars
  through various plan incentives
• Features within Medical Plans A and B
• Medical Plan A reduces plan deductible
• Medical Plan B payable to employee as gift
  cards
• Unused health incentives carry over

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Health Insurance Basics

• Types of Incentives
• Health Assessment - 50
• Personal Health Coach - 100
• 200 incentive when achieving goals through
  program
• Smoking Cessation Program - 50
• Weight Management Program - 50
• All incentive programs available through the
  Anthem website www.anthem.com

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Medical Insurance

• Plan Summary

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Regular Medical Plan A

• Anthem Blue Cross and Blue Shield
• Cafeteria Plan Funding for Plan A

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2009 Medical InsuranceRegular Plan A

• 500 Individual Deductible
• 1,000 Family Deductible
• 20/80 after deductible met
• Full Preventive Care coverage (well woman, PSA,
  mammogram, annual physical, immunizations, etc.)

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2009 Medical InsuranceRegular Plan A

• Office Visit Copays
• No Office Visit Copays (employee pays 100 of
  cost up to the deductible then cost share
  applies)
• Out of Pocket Maximum
• Individual 3,500/year
• Family 7,000/year
• All deductibles and coinsurance apply toward the
  out of pocket maximum including prescription
  drugs.

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Cafeteria Plan A

• Plan Summary

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Medical Plan A Cafeteria Plan Contributions

• Employer Cafeteria Plan Funding 750/year
• You must be an employee with the University on
  December 31 to be eligible to receive the
  Cafeteria Plan Funding.  If you were hired
  mid-year you must wait until the next open
  enrollment to make your election.

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Medical Plan A Cafeteria Plan Funding

• Employer Cafeteria Plan Funding 750/year

Dependent Care Assistance

• Southeast funds 100 of employee Regular
  Medical Plan A premium
• Part-time employee funding prorated by percent of
  assignment

Dependent Medical
Employee Dependent Dental
Cafeteria Plan A Option
Employee Dependent Vision
Medical Reimbursement Account (MRA)
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Regular Medical Plan B

• Anthem Blue Cross and Blue Shield
• Cafeteria Plan Funding for Plan B
• Health Savings Accounts

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2009 Medical InsuranceMedical Plan B

• 1,500 Individual Deductible
• 3,000 Family Deductible
• 20/80 after deductible met
• Full Preventive Care coverage (well woman, PSA,
  mammogram, annual physical, immunizations, etc.)

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2009 Medical InsuranceMedical Plan B

• Office Visit Copays
• No Office Visit Copays (employee pays 100 of
  cost up to the deductible then cost share
  applies)
• Out of Pocket Maximum
• Individual 5,000/year
• Family 10,000/year
• All deductibles and coinsurance apply toward the
  out of pocket maximum including prescription
  drugs.

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Cafeteria Plan B

• Plan Summary

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Medical Plan B Cafeteria Plan Contributions

• Employer Cafeteria Plan Funding 1,486.32
• You must be an employee with the University on
  December 31 to be eligible to receive the
  Cafeteria Plan Funding. If you were hired
  mid-year you must wait until the next open
  enrollment to make your election.

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Medical Plan B Cafeteria Plan Contributions

• Employer Cafeteria Plan Funding 1,486.32/year
• If electing an HSA Half of Cafeteria Plan
  Funding will be contributed in January remaining
  half divided by and contributed for the remaining
  pay periods.

Dependent Care Assistance

• Southeast funds 100 of employee Regular
  Medical Plan B premium
• Part-time employee funding prorated by percent of
  assignment

Dependent Medical
Employee Dependent Dental
Cafeteria Plan B Option
Employee Dependent Vision
Health Savings Account (HSA)
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Health Savings Accounts (HSA)

• Plan Summary

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Health Savings Accounts (HSA) Definition

• An interest bearing savings account owned by the
  employee to pay for current and future medical
  expenses
• Offered with a High Deductible Health Plan
  Medical Plan B
• Works similar to a flexible spending account, yet
  unused monies roll over year after year and
  continue drawing interest
• Portable

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Health Savings Accounts (HSA)Account
Contributions

• Both employer and employee pre-tax contributions
  are permissible
• 2009 maximum annual contribution (employer and
  employee contributions combined)
• 3,000 for employee only coverage
• 5,950 for family coverage
• Catch-up Provision at age 55 1,000
• Employee contributions can be changed mid-year
  via form completion in HR office

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Health Savings Accounts (HSA)Who is NOT
Eligible?

• Employees covered by Medical Plan A
• Employees covered by other medical insurance that
  is a non-high deductible health plan (at least
  1,100)
• Employees enrolled in Medicare coverage
• Employees claimed as a dependent child on someone
  elses tax returns

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Health Savings Accounts (HSA)Account
Distributions

• Tax-free if used for qualified medical expenses
• Qualified medical expenses incurred on or after
  account is established
• Withdrawal only for monies in the account at time
  of distribution
• Can apply qualified medical expenses of spouse
  and children, even if not covered by your medical
  insurance

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Health Savings Accounts (HSA)Account
Distributions (continued)

• Qualified Medical Expenses
• Deductibles, cost shares, and out of pocket costs
  on medical insurance claims
• Over-the-counter medical items
• COBRA continuation of coverage premiums
• Qualified long term care insurance premiums

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Health Savings Accounts (HSA)Account Features

• HSA services through Mellon Bank
• Upon electing the Medical Plan B coverage and
  electing an HSA, Welcome Kits will be mailed to
  home address
• Forms must be completed by the employee and
  returned to Mellon Bank ASAP
• Competitive mutual fund investment options
  available once account reaches 1,500

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Health Savings Accounts (HSA)Account Features
(continued)

• Online management access of personal benefits and
  HSA details
• Monthly account activity statements
• MasterCard a debit card to pay for qualified
  medical expenses
• Checkbook Usage - initial 40 checks supply free
  of charge
• Setup and monthly fees paid by Southeast

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Health Savings Accounts (HSA)How to use your
money

• If seeing an Anthem provider
• Provider files insurance claim with Anthem
• Provider bills the member for out of pocket
  responsibility due
• Member uses HSA account dollars to make payment
  to provider via debit card or check
• Network Retail Pharmacies/Mail Order Services
• Pharmacist/Precision Rx processes Rx through
  Anthem computer system
• Member uses HSA account dollars to cover the cost
  of prescriptions via debit card or check

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Health Savings Accounts (HSA)Account Features
(continued)

• Questions
• Customer Service [phone]
• www.anthem.com, My Account page

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Medical Insurance 2009 Monthly Premiums

• Medical Insurance Anthem Blue Cross and Blue
  Shield
• Medical Plan A Medical Plan B
• w/health incentives option w/HSA option
• Cost Cost
• Employee 464.38 Employee 396.28
• Spouse 464.38 Spouse 396.24
• Children 348.24 Children 297.18
• Family 812.64 Family 693.44
• Effective July 1, 2009, part-time employee
  premium is prorated by percentage of assignment.

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Medical Plan A or BAn Analysis - Which is right
for you?
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Vision Insurance

• Plan Summary

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Vision Insurance

• Vision Service Plan (VSP)
• Two Plan Options
• Exam Plus Plan A Low Option
• Enhanced Plan B High Option
• Extra Discounts Savings
• Laser Vision Correction
• Prescription Glasses
• Contacts

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Vision Insurance

• Exam Plus Plan A
• In-Network providers
• Annual eye exam with a 10 copay
• 20 discount on lenses and frames
• 15 discount off the contact lens fitting and
  evaluation exam. This exam is in addition to your
  vision exam.

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Vision Insurance

• Enhanced Plan B
• In-Network providers
• Annual eye exam with a 10 copay
• Lenses covered in fullevery 12 months
• Frames every other plan year (frames of your
  choice covered up to 120, plus 20 off any
  out-of-pocket costs) or
• Contact Lens care-every 12 months
• No copay applies
• Prescription glasses-25 copay

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Vision Insurance 2009 Monthly Premiums

• Vision Insurance Vision Service Plan
• Plan A-Exam Plus Plan B-Signature Plan
• Cost Cost
• Employee 2.88 Employee 10.80
• Spouse 1.18 Spouse 6.52
• Children 1.24 Children 6.88
• Family 3.22 Family 17.72

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Dental Insurance

• Plan Summary

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Dental Insurance

• Delta Dental of Missouri
• Two Plan Options
• Plan A Low Option
• Plan B High Option (with orthodontia)
• Annual Maximum (per person/year) 1,000
• Utilize Delta Premier Network providers
• Listing of Network providers can be located at
  http//www.deltadentalmo.com

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Dental Insurance

• Preventive Plan A Low Option
• Coverage A only at 100 of UCR
• Oral exams twice in any benefit year
• Fluoride patients under age 14 once in any
  benefit year
• Molar sealants for dependent children under age
  16 once in 5 years
• Bitewings x-rays one set in any benefit period

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Dental Insurance

• Plan B High Option
• Individual Deductible 50
• Waived for Coverage A Dental Services
• Includes Coverage A, B, C and D
• Coverage A Services (100 of UCR)
• Oral exams twice in any benefit year
• Fluoride patients under age 14 once in any
  benefit year
• Molar sealants for dependent children under age
  16 once in 5 years
• Bitewing x-rays one set in any benefit period

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Dental Insurance

• Coverage B Services
• Fillings, extractions, Full-mouth x-rays at 80
  after 50 deductible
• Coverage C Services
• Periodontics, endodontics, surgical extractions,
  crowns, complex oral surgery, bridges) at the
  following schedule
• 1st year 10
• 2nd year 25
• 3rd year and beyond 50

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Dental Insurance

• Coverage D Services
• Orthodontia care for dependent children to age 19
  at 50
• Maximum 1,500, available starting in 3rd year
  of coverage
• Orthodontics is not covered for care started
  prior to the 3rd year of benefits

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Dental Insurance 2009 Monthly Premiums

• Dental Insurance Delta Dental of Missouri
• Plan A-Low Option Plan B-High Option
• Cost Cost
• Employee 11.06 Employee 25.58
• Spouse 12.68 Spouse 24.92
• Children 25.80 Children 38.44
• Family 37.74 Family 66.68

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Flexible Spending Accounts

• Plan Summary

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Flexible Spending Accounts

• Medical Reimbursement Account (MRA)
• Tax-deferred payroll reduction 5,000 annual
  maximum
• Applicable expenses Deductibles, copays,
  coinsurance, Rx, vision, dental, certain
  over-the-counter items
• Dependent Care Assistance Program (DCAP)
• Tax-deferred payroll reduction 5,000 annual
  maximum
• Applicable expenses day care for children and
  elder care for adults

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Flexible Spending Accounts

• Account features
• Debit Card
• Direct Deposit
• Submitting Claims
• Expenses incurred through 12/31 of current year
• Claims filing deadline 03/31 of upcoming year
• Claim forms can be faxed or mailed
• Customer Service [phone]

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Life Insurance

• Plan Summary

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Life Insurance

• Hartford Life
• Basic Life Insurance
• The University provides up to 2 ½ x base salary
  coverage up to a maximum of 50,000 at not cost
  to the employee
• Term Coverage ends upon termination of
  employment

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Life Insurance

• Supplemental Life Insurance
• 1x, 2x, or 3x base salary coverage
• Guarantee issue of 1-3x earnings, up to 100,000,
  without evidence of insurability, if enrolling as
  a new employee.
• Rates
• 40 49 0.15 per thousand/per month
• 50 over 0.54 per thousand/per month

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Life Insurance

• Dependent Life Insurance
• One price covers all dependents, not per person
• Cost
• 5,000 policy 1.50 per month
• 10,000 policy 3.00 per month
• 15,000 policy 4.50 per month

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Long Term Disability

• Plan Summary

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Long Term Disability

• Hartford Life
• LTD is for individuals who are certified by a
  physician as having a disability which does not
  allow them to continue employment
• Works in conjunction with sick leave policy
• After you have been off work 180 days, you are
  eligible to apply for LTD
• LTD payments are based on 60 of salary, offset
  by Social Security disability

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Retirement Benefits

• Plan Summary

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Retirement Benefits

• MOSERS
• Missouri State Employees Retirement System
• Faculty Staff
• CURP
• College and Universities Retirement Program
• Faculty only

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Retirement Benefits

• MOSERS
• Southeast contributes
• FY09 12.53
• FY10 12.75
• Five-year vesting requirement
• Prior Service Credit
• Once you are vested, active military service (or
  training) or prior public sector service in
  Missouri may be acquired to increase your MOSERS
• Interactive web site www.mosers.org
• View personal benefit information
• Access forms and publications
• Find free educational seminar

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Retirement Benefits

• CURP
• Southeast contributes
• FY09 7.88
• FY10 7.71
• Should you not enroll by the end of the month
  following your initial eligibility, TIAA-CREF
  will automatically enroll you.
• Your estate will be designated beneficiary of
  your contract
• Investments contributions will be made to
  TIAA-CREF Lifecycle Funds
• www.tiaa-cref.org/curp
• Telephone Counseling Center [phone]

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Other Retirement Options

• Tax Sheltered Annuity Investment
• (403(b) Tax Deferred Annuities/457 Deferred
  Compensation)
• Payroll reductions available
• Three Easy Steps
• Contact an authorized Broker/Fund Company
• Complete Salary Reduction Agreement Form
• Submit Salary Reduction Agreement Form to the
  Benefits Office for processing

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Educational Benefits

• Plan Summary

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Educational Benefits

• Employee Tuition Fee Waiver Program
• Credit-bearing courses only
• Funding of undergraduate incidental fees 90
• Funding of graduate incidental fees 70
• Must apply every semester
• Application form can be downloaded and printed
  from the Human Resources forms website (due no
  later than the first day of classes for the
  semester)

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Educational Benefits

• Dependent Tuition Reimbursement Program
• Spouse and eligible dependent children
• Undergraduate Courses only
• Must obtain C or better grade
• Reimbursement at end of each semester 50
• Must apply at beginning of academic year (August)
• Application form can be downloaded and printed
  from the Human Resources forms website (due no
  later than the first day of classes for the
  semester)

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Educational Benefits

• Cooperative Graduate Program
• Graduate courses offered in partnership between
  Southeast and another state institution
• Masters in Higher Education Administration
  (University of Missouri St. Louis)
• Doctor of Education in Education Leadership
  (University of Missouri Columbia)
• Reimbursement for courses with B or better
  grade 70
• Application form can be downloaded and printed
  from the Human Resources forms website

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Employee Assistance Program

• Plan Summary

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Employee Assistance Program

• Employee Counseling and Employee Assistance
  Services
• Benefits to you and your immediate family
• Provides seven free, confidential counseling
• Family problems and relationship issues
• Job conflicts and concerns
• Grief and loss issues
• Stress related emotional issues
• Depression and anxiety
• Alcohol and drug concerns
• Call local office for an appointment
• [phone] [phone]

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Additional Benefits

• Group Banking Benefit Program
• Missouri State Credit Union
• M.O.S.T. Program
• U.S. Savings Bonds
• AFLACs Personal Cancer Indemnity Plan

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My Southe_at_st

• http//portal.semo.edu
• Southeast Key required (Contact IT Department)
• Extension HELP (4357)
• Academic Hall Room 140
• Allows access to
• Benefits and Deductions
• Campus Directory
• Leave Balances
• Pay Information
• Tax Forms (W4 information, W2 Form)
• Time Sheet

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Any Questions?

• Visit our Website
• http//www4.semo.edu/humanresources/Benefits/index
  .htm
• Stop by our Office Benefits Office
• Academic Hall, Room 220
• Call Us [phone]