Southeast Missouri State University Benefits Orientation

1
Southeast Missouri State UniversityBenefits
Orientation
2
Your 2009 Benefits

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

3
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.

4
Medical 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)

5
Medical 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.

6
Medical 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.

7
Medical 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.

8
Medical 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.

9
Medical 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

10
Medical 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

11
Medical 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

12
Medical Insurance Basics

• Medical Insurance Opt Out Provisions
• Employees can decline individual health coverage.
• If opting out
• Employees 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

13
Medical 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

14
Medical 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

15
Medical Plan A

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

16
2009 Medical InsuranceMedical 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.)

17
2009 Medical InsuranceMedical 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.

18
Cafeteria Plan A

• Plan Summary

19
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 are hired mid
  year, this benefit will not be available until
  the next open enrollment period.

20
Medical Plan A Cafeteria Plan Funding

• Employer Cafeteria Plan Funding 750/year

Part-time employee funding prorated by percent
of assignment.
Dependent Care Assistance
Dependent Medical
Employee Dependent Dental
Cafeteria Plan A Option
Employee Dependent Vision
Medical Reimbursement Account (MRA)
21
Medical Plan B

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

22
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.)

23
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.

24
Cafeteria Plan B

• Plan Summary

25
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 are hired
  mid-year, this benefit will not be available
  until the next open enrollment period.

26
Medical Plan B Cafeteria Plan Contributions

• Employer Cafeteria Plan Funding 1,486.32/year

Part-time employee funding prorated by percent of
assignment.
Dependent Care Assistance
Dependent Medical
Employee Dependent Dental
Cafeteria Plan B Option
Employee Dependent Vision
Health Savings Account (HSA)
27
Medical Insurance 2009 Monthly Premiums

• Medical Insurance Anthem Blue Cross and Blue
  Shield
• Medical Plan A Medical Plan B
• w/MRA 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
• Full-time employee premium 100 funded
• Effective July 1, 2009, new hire part-time
  employee premium funding is prorated by
  percentage of assignment.

28
Medical Plan A or BAn Analysis - Which is right
for you?
29
Vision Insurance

• Plan Summary

30
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

31
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.

32
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

33
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

34
Dental Insurance

• Plan Summary

35
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

36
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

37
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

38
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

39
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

40
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

41
Flexible Spending Accounts

• Plan Summary

42
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

43
Flexible Spending Accounts

• Account feature
• 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]

44
Health Savings Account (HSA)

• Plan Summary

45
Health Savings Account (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

46
Health Savings Account (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

47
Health Savings Account (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

48
Health Savings Account (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

49
Health Savings Account (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

50
Health Savings Account (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

51
Health Savings Account (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

52
Health Savings Account (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

53
Health Savings Account (HSA)Account Features
(continued)

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

54
Life Insurance

• Plan Summary

55
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 no cost to
  the employee
• Term Coverage ends upon termination of
  employment

56
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
• lt40 0.06 per thousand/per month
• 40 49 0.15 per thousand/per month
• 50 over 0.54 per thousand/per month

57
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

58
Long Term Disability

• Plan Summary

59
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

60
Retirement Benefits

• Plan Summary

61
Retirement Benefits

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

62
Retirement Benefits

• MOSERS
• Southeast contributes
• 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

63
Retirement Benefits

• CURP
• Southeast contributes
• FY10 7.71
• TIAA-CREF will automatically...
• Designate your estate as beneficiary of your
  contract
• Invest contributions to TIAA-CREF Lifecycle Funds
  (asset allocation)
• www.tiaa-cref.org/curp
• Telephone Counseling Center [phone]

64
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

65
Educational Benefits

• Plan Summary

66
Educational Benefits

• Employee Tuition Fee Waiver Program
• Credit-bearing courses only
• Must earn C or better grade
• 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)

67
Educational Benefits

• Dependent Tuition Reimbursement Program
• Spouse and eligible dependent children
• Undergraduate Courses only
• Must earn 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)

68
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

69
Employee Assistance Program

• Plan Summary

70
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]

71
Additional Benefits

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

72
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

73
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]