UT Health Science Center at Houston

1
UT Health Science Center at Houston

• Benefits Overview
• Annual Enrollment
• July 1 -31, 2005

2
2006 Annual Enrollment

• Legislative Changes
• Insurance Plan Changes
• Premium Rates
• Changes in Optional Insurance Plan
• Enrollment Information

3
State Legislative Changes

• SB1863
• Increase longevity pay to 20 per month for every
  two years of service (maximum 420 monthly).
• Increase hazardous duty pay from 7 to 10 per
  month per year of service (maximum 300 monthly).

4
State Legislative Changes

• SB1863, contd.
• Retirees who return to work after August 31,
  2005
• - Can not receive longevity pay.
• - Only post-retirement service can count toward
  vacation accrual rates.

5
State Legislative Changes

• SB 1691, TRS Omnibus Bill
• Impact on Departments
• - Eliminates the 90-day retirement plan waiting
  period for both ORP and TRS effective September
  1, 2005.
• - Must pay the employer TRS contributions for
  working retirees regardless of effort if hired
  after August 31, 2005.

6
State Legislative Changes

• SB 1691, TRS Omnibus Bill
• Impact on Individuals
• - Current employees age 50 or older, or have 25
  years of service or whose age plus years of
  service equal at least 70, there is no change to
  your TRS retirement eligibility rules or
  benefits.

7
State Legislative Changes

• Impact on Individuals, cont.
• - You must pay the full actuarial cost to
  purchase out of state service.
• - You no longer have the option to purchase
  three
• years of service at retirement with at
  least seven
• years of service.

8
State Legislative Changes

• Current Employees under age 50 and do not meet
  the criteria previously stated, there is no
  change to the TRS eligibility rules (age 55 with
  5 or more years of service credit).
• However,
• - As of September 1, 2005, the average salary
  for calculating retirement will change from
  the highest
• 3 years of salary to the highest 5 years of
  salary.

9
State Legislative Changes

• - The early retirement plan currently in place
  for employees with 20 years of service but
  whose age and years of service do not equal 80
  will be eliminated.
• - To be eligible for the partial lump sum
  payment at retirement, the retiring employees
  age and years of service must equal at least 90.

10
State Legislative Changes

• - You must pay the full actuarial cost to
  purchase out of state service.
• - You no longer have the option to purchase three
  years of service at retirement with at least
  seven years of service.

11
State Legislative Changes

• New employees must begin membership in TRS on
  the first day of employment.
• Employees within the 90 day waiting period (hired
  in July or August) will begin membership in TRS
  effective September 1, 2005.
• Must be 60 years of age for full retirement
  benefits.

12
State Legislative Changes

• A representative from the Teachers Retirement
  System
• of Texas will be on our campus to discuss changes
  and
• answer questions.
• Wednesday, August 10, 2005
• 100 p.m. to 400 p.m.
• SON Auditorium

13
Insurance Programs

• UT System continues to provide the basic
  insurance coverage for employee free of charge.
• The basic insurance package includes
• - UT Select Medical Plan
• with Prescription Drug Coverage
• - 10,000 Group Term Life Insurance
• - 10,000 Group Accidental Death and
  Dismemberment

14
Medical Insurance

• UT Select
• - No change in plan coinsurance, co- payments or
  deductibles.
• - Introduction of a 24 hour nurse hotline with
  nurses available 24/7 to answer health care
  questions.
• - Introduction of a disease management program
  for certain diseases such as asthma, diabetes,
  coronary artery disease and others.

15
Medical Insurance

• UT Select, contd.
• - Introduces a Special Beginnings program that
  helps mothers take better care of themselves and
  their baby.
• - Introduces Medcos formulary first coverage
  that promotes generic and preferred brand
  medications.
• - Non-preferred drugs are not covered unless the
  physician provides clinical support.
• - Premium rate increased by 9.4.

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Medical Insurance

• HMO Blue
• - No changes in plan co-payments.
• - No longer offered to employees in Galveston
  County, but UTHSC employees who live in
  Galveston County can continue to participate in
  HMO Blue with a zip code exception.

17
Medical Insurance

• HMO Blue, cont.
• - This could possibly be the last year a HMO
  will be offered by UT System.
• - Premium rate increase ranged between 8 and
  20 throughout the UT campuses.

18
Medical Insurance Premiums

• The monthly out-of-pocket employee cost for a
  full time
• employee is
• UT Select HMO Blue
• Employee .00 .00
• Employee and Spouse 142.05 156.74
• Employee and Child(ren) 148.57 163.93
• Family 279.75 308.68

19
Medical Insurance Premiums

• The monthly out-of-pocket employee cost for a
  part time
• employee is
• UT Select HMO Blue
• Employee 165.15 182.11
• Employee and Spouse 393.68 434.28
• Employee and Child(ren) 369.05 407.09
• Family 587.22 647.83

20
Dental Insurance

• Delta Dental
• - Annual maximum benefit increased from 1,000
  to 1,250.
• - Lifetime orthodontic benefit maximum increase
  from 1,000 to 1,250.

21
Dental Insurance

• Assurant Dental
• - All members will receive a new ID card.
• - No change in plan.
• - No change in benefits.
• - No annual maximum benefit amount.
• - No lifetime orthodontic maximum benefit
  amount.

22
Vision

• Superior Vision
• - No change in plan.
• - No change in benefits.
• - No change in premium.

23
Group Term Life

• Fort Dearborn Life
• - No change in plan or benefits.
• - No change in premium rates.
• - No change in Dependent and Spouse life
  insurance coverage.

24
Group Accidental Death and Dismemberment

• Fort Dearborn Life
• - No change in plan.
• - No change in premiums.
• - No change in Dependent ADD.

25
Long Term Care

• CNA Insurance
• - No change in plan.
• - No change in benefits.
• - No change in premium rate.
• - Offering a guaranteed benefit buy up option
  for current participant. Current participants
  can increase their long term care benefit
  without the submission of Evidence of
  Insurability.

26
Short Term Disability

• The Hartford Insurance
• - No change in plan.
• - No change in benefits.
• - No change in premiums.

27
Long Term Disability

• The Hartford Insurance
• - No change in plan.
• - No change in benefits.
• - No change in premiums.

28
UT Flex

• UT Flex offers two types of accounts
• - Medical Expense Reimbursement Account
• - Day Care Reimbursement Account
• UT Flex elections must be renewed each Annual
  Enrollment. These amounts are not continued from
  the previous year.

29
UT Flex

• Medical Expense Reimbursement Account
• - Monthly deduction range from a minimum of 15
  to a maximum amount of 416.
• - Continues to offer the convenience card.
  There is a 9.00 annual fee which is deducted
  from your first contribution in September.

30
UT Flex

• Day Care Reimbursement
• - Monthly deduction range from a minimum of 15
  to a maximum amount of 416.
• - Reimbursement can be processed after the
  deductions are deposited into your accounts.
  September deductions for day care reimbursements
  can not be processed until October.

31
UT Flex

• Based on changes recently made to the Internal
  Revenue Code, UT Flex Medical Expense account has
  a 2 ½ month grace period for claim reimbursement.
• Expenses incurred through November 15th may be
  reimbursed using your 2004-2005 contributions.

32
UT Flex

• You may NOT use your debit card during this grace
  period.
• All reimbursement request must be submitted using
  the UT Flex reimbursement claim form.
• This grace period does not apply to the day care
  reimbursement account.

33
Enrollment

• To make changes during this annual enrollment
  period, you must use UTTouch Online
• (http//www.utsystem.edu/UTTOUCH).
• When logging into UTTOUCH, you use your social
  security number and your PIN you received on your
  coverage option letter via email in June.

34
UTTOUCH

• By logging into UTTOUCH you will be able to
• - Review your existing coverage,
• - Make new elections,
• - Review provider booklets.
• UT Touch responds by sending you a confirmation
  statement of your changes.

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Additional Information

• For additional information, visit our website at
• http//hr.uth.tmc.edu/Benefits/benefits.html .
• Information includes plan booklets, provider
  booklets, rate sheets, and a variety of other
  information.

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Additional Information

• Annual Enrollment ends July 31, 2005.
• You must re-enroll in UT Flex.
• All changes are effective September 1, 2005.

37
Additional Information

• Remember to visit our website at
• http//hr.uth.tmc.edu/Benefits/benefits.html
• Call the Benefits Office at
• [phone]