State Personnel Benefits

1
State Personnel Benefits

• Benefit Hotline
• 317-232-1167
• Or
• 877-248-0007
• SPDBenefits_at_spd.in.gov

2
Self-Service Benefits

• Log in to PeopleSoft
• Verify your personal information
• Select your insurance coverage
• Complete the Non-Tobacco Use Agreement
• Print a Payroll Authorization Form (AS-47) and
  return it to your agency payroll
• Print out a Self-Service Benefit Statement

3
Eligible Dependents

• Eligibility information can be found in the
  Employee Benefits Handbook
• Spouse
• Children unmarried natural-, step-, foster-,
  legally adopted children, or children who
  reside in the employees home for whom the
  employee or spouse have been appointed legal
  guardian
• Age Limit end of the calendar year of 19th
  birthday, unless they are a full-time student or
  disabled dependent
• If they are a full time student, they are covered
  until the end of the calendar year of their 23rd
  birthday

4
Over-age Dependents

• For Full-Time Students
• Mark the dependent as a full-time student in
  PeopleSoft
• You may be asked to provide documentation from
  the school
• You may be asked to complete Verification of Full
  Time Student Status Form
• For Disabled Dependents
• Contact the Benefits Hotline
• Verification of prior insurance coverage
• Certification of incapacity prior to age 19
• Verification of Dependent Disability Form

5
Health Insurance Definitions

• Premium
• The bi-weekly amount that is deducted from your
  paycheck for your elected health insurance plan
• Deductible
• A set amount that you pay before your health plan
  begins to pay co-payments
• Out-of-Pocket Maximum
• The total amount of money you will have to pay in
  the year before you qualify for 100 coverage
• Premiums do no count toward the Out-of-Pocket
  Maximum, and you must still pay premiums if you
  have met the Out-of-Pocket Maximum

6
Health Insurance Options

• Anthem High Deductible Health Plan I
• Anthem High Deductible Health Plan II
• Anthem Traditional II
• Welborn HMO

7
What is a High Deductible Health Plan?

• HDHP is a traditional health insurance plan that
  provides broad coverage for a wide range of
  services AFTER the deductible has been met. The
  deductible is considerably higher than the
  states Traditional II plan.
• The HDHP requires you to pay little or no
  premium, but you will have to pay the deductible
  when you need services.
• Once the deductible has been met, the coinsurance
  begins. Anthem covers 80 and the employee covers
  20 of the cost, for in-network services.

8
Health Savings Account

• Health Savings Account- is a special bank account
  for your health expenses. Contributions to the
  account remain tax free so long as the money in
  the account is used only to pay for eligible
  health expenses. The account- and everything in
  it- is yours to keep.
• The account is exclusive to those enrolled in a
  High Deductible Health Plan.
• The state makes an initial bi-weekly
  contribution to your health savings account.

9
HDHP How does it work (prior to meeting the
deductible)

• Seeing an in-network physician
• As an enrollee you will have an Anthem ID card
• Present your Anthem ID card when you go to the
  doctor
• Usually you will not pay at the time of service
• Your doctors office will file a claim

10
HDHP How does it work (prior to meeting the
deductible)

• You and your doctor both will receive from Anthem
  a paper called an Explanation of Benefit
  showing your cost- network discounts are applied
• Your provider sends you a bill
• You pay network cost of service from HSA or other
  funds.

11
HDHP How does it work?

• Filling a prescription at a pharmacy
• Present your Anthem card at network pharmacy
• Pay the full network adjusted amount from your
  HSA or with other funds
• Shop around
• Ask for generics
• If deductible met, pay co-insurance- anywhere
  from 10 to 40 depending on drug

12
HDHP Preventative Services

• Preventative services are covered in full before
  the deductible is met.
• Preventative services include immunizations,
  annual physicals, flu shots, annual pap smears
  and diagnostic services performed with the annual
  physical. Well baby visits are also included

13
Health Savings Account

• State Contribution
• Pre-funded HSA (Paid to employee on their first
  HSA eligible check)
• HDHP 1
• Single Initial Contribution - 687.96, 26.46
  bi-weekly
• Family Initial Contribution - 1375.14, 52.89
  bi-weekly
• HDHP 2
• Single Initial Contribution - 468.00, 18.00
  bi-weekly
• Family Initial Contribution - 935.22, 35.97
  bi-weekly
• Annual Maximum Contribution
• Single 3000
• Family 5950
• 1,000 catch-up contribution for employees age 55
  and over
• Tower Bank
• www.towerbank.net

14
Health Savings Account

• Funds rollover from year to year
• Employee contribution is optional, not mandatory
• Employee contribution can be changed at anytime
  during the year
• Restrictions on who qualifies to have a health
  savings account
• Waiting period before contributions begin

15
HDHP 1

• Bi-weekly premium
• Single 0.00
• Family 0.00
• Deductible
• Single 2500
• Family 5000
• Out of Pocket Maximum
• Single 4000
• Family 8000

16
HDHP 2

• Bi-weekly premium
• Single 19.32
• Family 47.58
• Deductible
• Single 1700
• Family 3400
• Out of Pocket Maximum
• Single 2400
• Family 4800

17
Traditional 2

• Bi-weekly premium
• Single 62.73
• Family 184.86
• Deductible
• Single 500
• Family 500
• Out of Pocket Maximum
• Single 2000
• Family 4000

18
Welborn HMO- available to those who work or live
in Daviess, Dubois, Gibson, Knox, Perry, Pike,
Posey, Spencer, Vanderburgh, and Warrick counties

• Bi-weekly premium
• Single 33.03
• Family 91.47
• Deductible
• Single 500
• Family 500
• Out of Pocket Maximum
• Single 2000
• Family 4000

19
Dental Vision

• Delta Dental
• No employee premium
• Diagnostic and Preventative services covered at
  100 (includes exams, cleanings and fluoride
  treatments for children up to age 14)
• EyeMed Vision
• Premium
• Single 0.00
• Family 2.43

20
Insurance Cards and Information

• Anthem
• Cards will come in the mail
• www.anthem.com
• Search for a Provider
• Blue Access PPO plan
• Welborn
• Cards will come in the mail
• www.welbornhealthplans.com
• Search for a provider

21
Insurance Cards and Information

• Delta Dental
• Delta Dental PPO
• Delta Dental Premier
• www.deltadentalin.com
• Eye Med Vision
• Cards will come in the mail
• Access Network
• www.eyemedvisioncare.com

22
Insurance Cards and Information

• Towerbank
• Go to http//hsa.towerbank.net
• Enter State of Indiana Employer Code
• 100366
• Choose to receive a debit card and/or checks
• Key Benefit Administrators
• Debit Card will come in the mail

23
Flexible Spending Accounts

• Medical Flexible Spending
• Money for reimbursable medical expenses
• 5000 annual maximum contribution
• 2.59 bi-weekly administration fee
• Money in Flexible Spending Account cannot be used
  to help cover deductible expenses
• Dependent Care Spending
• Dependent day care eligible expenses include
  expenses necessary for you and your spouse (if
  married) to be gainfully employed or attend
  school.
• 5000 annual maximum contribution
• 2.59 bi-weekly administration fee

24
How do the Health Savings Account and Flexible
Spending Account work together?

• If you are enrolled in the Medical Flexible
  Spending Account and the Health Savings Account
  then there are restrictions as to what they can
  be used for.
• Limited Scope FSA
• dental
• vision
• health expenses after your deductible has been met

25
Basic Life and ADD Insurance

• Insurance coverage is equal to your annual salary
  rounded up to the next 1000 multiplied by 150
• Make sure to designate at least 1 beneficiary

26
Supplemental Life Insurance

• You must first elect Basic Life Insurance before
  you can elect Supplemental Life Insurance
• You can elect Supplemental Life Insurance in
  10,000 increments up to a maximum of 150,000
• Make sure to designate at least 1 beneficiary
• If you wish to increase coverage level after the
  initial enrollment period, you must go through
  Evidence of Insurability

27
Dependent Life Insurance

• Options
• Spouse Only
• 5,000, 10,000 15,000
• Child Only
• 5,000, 10,000 15,000
• Spouse and Child
• 5,000, 10,000 15,000
• You must first elect Basic and Supplemental Life
  insurance in order to elect Dependent Life
  Insurance
• If you wish to increase coverage level after the
  initial enrollment period, you must go through
  Evidence of Insurability

28
Non-Tobacco Use Agreement

• In exchange for a 500 reduction in the Health
  Plan deductible, the employee agrees to
• Not use any tobacco products during 2009
• Be subject to nicotine testing
• Be subject to the full deductible if they fail to
  honor the agreement
• Be subject to discipline, up to and including
  termination if they fail to honor the agreement

29
Family Status Changes

• Must call and notify the Benefit Hotline of your
  qualifying event within 30 days of the event
• Qualifying events include, but are not limited
  to
• Marriage, Divorce, Birth, Adoption, Loss of
  Coverage, and Death of a dependent
• Documentation must be submitted within 30 days of
  notification

30
Disability Plan

• JWF Specialty Company
• Third party administrator of States Disability
  Plan
• Short term and long term disability
• Eligibility
• Full time employees with 6 continuous months of
  employment

31
Disability Plan

• Short term
• Benefits are payable the first pay period
  following a 30 day elimination period for a
  maximum of 5 months
• Long term disability
• If continuously disabled for 6 months, an
  employee may be moved to long term disability.

32
One Care Street

• Voluntary program that functions to help identify
  existing or potential health concerns and provide
  the tools necessary to improve how you feel.
• Available to all employees who participate in the
  State sponsored health insurance programs and the
  employees spouse, if covered.
• If you are eligible to participate in One Care
  Street for next year, you will receive a letter
  that contains information on how to proceed.
• Anyone that completes all participation
  requirements will receive a cash incentive.

33
EASY-Employee Assistance Program

• Voluntary and Confidential
• Telephone counseling, crisis assistance, legal
  and financial referrals and care resources are
  available 24 hours a day, 365 days a year.
• Contact the EASY Program at [phone] or
  visit AnthemEAP.com

34
COBRA

• Initial Cobra Notification
• Please sign and date the Acceptance of COBRA
  Initial Notification
• This notice outlines covered participants
  potential future options and notification
  obligations should you ever lose your health
  insurance in the future for certain reasons.

35
Benefit Information

• Benefit Hotline
• 317-232-1167 or toll free at 1-877-248-0007
• Benefit Website
• http//www.in.gov/spd/2337.htm
• Benefit Email
• SPDBenefits_at_spd.in.gov
• Questions????