Employee Benefits Orientation

1
Employee Benefits Orientation

• University of Toledo
• Health Science Campus

2
Health Care Benefits Enrollment

• 30 days of eligibility from hire date to select
  benefits package
• 30 days of eligibility from status change to
  modify benefits package
• 30 days from loss of other coverage to select
  benefits package
• Open Enrollment held annually from mid-October to
  mid-November with a January 1 effective date

3
Paramount 3-Tier Plan

• Preferred Provider Organization (PPO)
• Includes In-Network and Out-Of-Network
  benefits.
• In-Network UTMC and Paramount

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Network Providers

• Medical Coverage
• Tier 1 University of Toledo Medical Center
• Tier 2 Paramount Network Providers
• Includes Toledo Hospital, Flower Hospital, and
  Bay Park Community Hospital
• View providers at www.paramounthealthcare.com
• Tier 3 All Other Providers (Out-of-network)

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Paramount Co-Pays
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Paramount Deductibles
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Pharmacy Plan

• Plan for those electing Paramount or prescription
  only coverage
• All 30 day and 90 day prescriptions must be
  filled at an UTMC pharmacy
• Emergency prescriptions may be filled with SXC
  drug card (after hours, weekend, out-of-area,
  etc.)
• Annual Co-Pay Limits
• 400 Single
• 800 Family
• Prescriptions are based on 3-Tiers
• Tier 1 (Generic) - 10 for 90 day supply
• Tier 2 (Formulary) 22 of AWP 5
• Tier 3 (Non-Formulary) AAC 5

8
Aetna Consumer-Directed Health Plan (CDHP)

• Consumer-directed health plans (CDHPs) are made
  up of three elements
• 1. A health plan
• 2. A fund or account that you can use to help
  pay for qualified, out-of-pocket medical expenses
  (known as a Health Savings Account or HSA)
• 3. Interactive tools and information to help
  you make more informed health care decisions

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Health Savings Account

• Also known as an HSA
• Is an account to which UT will contribute and to
  which you may elect to contribute
• Tax-advantaged
• Reimburse qualified expenses tax free
• Interest bearing account
• Unused balance rolls over year to year
• Linked to a high-deductible health insurance plan
• Account is yours to keep even if you change jobs
  or health plans

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How much can I contribute to my HSA?

• HSA contribution limits are 3,000 for persons
  with individual coverage and 5,950 for persons
  with family coverage. This includes contributions
  made by UT.
• The University of Toledo contributions are made
• bi-monthly.
• You may contribute by a payroll deduction,
  electronic funds transfer (EFT) or with a deposit
  slip.
• Payroll contributions you make are prorated over
  24 pay periods but can be changed throughout the
  year by contacting UT HR.
• Individuals over age 55 may make additional catch
  up contributions
• 1000 additional for 2009

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Using your HSA

• You contribute on a pre-tax basis
• You may use HSA towards your medical plan
  deductible or any coinsurance or copayments.
• You may use your HSA for qualified health care
  expenses as allowed by the IRS. The following
  list provides some typical examples
• Medical Deductibles
• Dental Care
• Prescription Drugs
• LASIK Eye Surgery
• Contact Lenses
• Hearing Aids

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Network Providers

• Medical Coverage
• Tier 1 University of Toledo Medical Center
• Tier 2 Aetna Network Providers
• Includes Toledo Hospital, St. Anne Mercy, St.
  Vincent Mercy, Flower Hospital, St. Charles
  Mercy, Bay Park Community Hospital, St. Lukes
  Hospital, Mercy Memorial Hospital, Wood County
  Hospital
• View providers at www.aetna.com
• Includes Aetnas national network of providers
• Tier 3 All Other Providers (Out-of-network)

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Network Providers (Cont.)

• Prescription Drug Coverage
• University of Toledo Medical Center Pharmacy
• and
• All Aetna contracting pharmacies including
• Kroger, K-Mart, Meijer, Walgreens, Wal-Mart,
  Target, Rite-Aid, Giant Eagle, Pharm, CVS plus
  many others

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Medical Plan and Prescription Drug Benefits

• Meet the plan deductible then
• Pay coinsurance
• Out-of-pocket maximum limits amount you pay
  annually
• Preventive care not subject to the deductible and
  covered at 100 with UMC providers, 80 with
  Aetna Providers

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Aetna CDHP Plan
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Dependent Eligibility

• Children may be covered through the end of the
  year they reach age 19
• Dependent Verification Affidavit must be
  completed for children age 19 to 24
• Dependents age 19 to 24 must be
• Full-Time Student
• Unmarried
• Your IRS Tax Dependent
• Does not apply to disabled dependents

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Spousal/Domestic Partner Eligibility

• Must be completed if covering a spouse/domestic
  partner on Paramount Health Insurance
• If spouse/domestic partner is employed part-time,
  unemployed, retired, or has no benefits available
  they may remain primary on coverage
• If employed full-time and have health insurance
  75 employer paid they may be secondary

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Domestic Partner Benefits

• Available to same and opposite sex partners
  starting 1/1/09.
• Domestic partner registration packet available
  upon request
• Premiums outlined on Monthly Health Insurance
  Costs sheet

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When Medical and Pharmacy Coverage is Effective?

• Eligibility begins upon hire date (no waiting
  period).
• Enrollment must occur within 30 days of hire
  date.
• No medical questionnaire or pre-existing
  condition exclusions.

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Dental Plan

• Effective on the 1st day of the month following
  employment
• Coverage is provided through Delta Dental
• Routine preventative services covered in full
  with no deductible

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Dental Plan Continued

• Preventative Services covered at 100
• Minor work covered at 80
• Major work covered at 50
• 50 deductible per calendar year per person 750
  calendar year maximum
• You may visit the dentist of your choice

22
Optical Plan

• Vision Service Plan (VSP) is offered to you
• Effective the first day of the second month
  following employment

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Optical Plan Continued

• Eye examination with a 15 deductible once every
  24 months
• Spectacle lenses once every 24 months
• Frames covered once every 24 months
• Contact lenses may be selected instead of glasses
• Providers can be viewed at www.vsp.com.

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Group Life Insurance

• Group Life Insurance is offered through Standard
  Insurance Company
• Full-time employees receive coverage
• Hourly employees 10,000 term life increases by
  5,000 with each 5 years of service
• Salaried employees receive term life insurance in
  the amount of 2 times annual salary

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Life Insurance Continued

• Accidental Death Dismemberment coverage doubles
  term life insurance in force
• Dependent life insurance option
• Additional life insurance option - term life or
  permanent life insurance (annual enrollment)

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Flexible Spending Account

• Allows you to set aside additional money on a
  pre-tax basis
• May be used for out-of-pocket medical and/or
  dependent care expenses
• You will be reimbursed for charges incurred once
  claim form is submitted
• Reminder If electing Aetna medical coverage, you
  are only eligible for dependent care.

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Using Your Benefits

• Paramount or Aetna will mail you an
  identification card to present each time medical
  services are received.
• If Aetna is elected, a HSA Visa Card will also be
  sent to you to access your Health Savings
  Account.
• Delta Dental will mail you an identification
  card, however no card is required to submit claim.

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Using Your Benefits

• No card will be issued for VSP. If using a
  network provider, just give the employees social
  security number at the appointment. If receiving
  services outside the network, send an invoice to
  VSP for reimbursement.
• Use your UT employee identification badge when
  picking up prescriptions from the UTMC pharmacy.
  Show your SXC drug card when out of town,
  pharmacy is closed, etc.

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Enrollment in Benefits

• Complete election forms within 30 days of hire
  date
• Return forms to Human Resources Main Campus,
  Transportation Center
• Mail Stop 205
• Fax [phone]

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Retirement Plan Options

• OPERS Options
• Traditional Plan
• Member-Directed Plan
• Combined Plan
• ARP Option (Full-Time Employees Only)
• Choose from list of approved vendors
• No state retirement benefits

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Tax Shelter Annuity403(b) 457 Accounts

• You can build income for retirement with a Tax
  Sheltered Annuity
• How it works
• University of Toledo Health Science Campus will
  redirect your investment into a TSA on a pre-tax
  basis
• How to join
• Review list of approved companies
• Contact the company Rep and set-up an account
• Complete a Salary Reduction Agreement (found in
  your folder)

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Vacation Accrual

• Paid vacation is available based on length of
  service
• Hourly employees 1-7 years 10 days
• Salaried employees 0-4 years 15 days
• Part-time employees accrue vacation pro-rated to
  budgeted hours

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Holidays

• For regular full-time/part-time employees
• Ten days per academic year
• New Years Day, Martin Luther King, Memorial Day,
  Independence Day, Labor Day, Veterans Day,
  Thanksgiving Day, Presidents Day, Christmas Day,
  Columbus Day
• Holiday premium pay

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Tuition Fee Waiver - Employees

• Part-time (20) and full-time employees are
  eligible for the waiver.
• Full-time employees are eligible for up to 8.0
  undergraduate or graduate credit hours
• Part-time are eligible in proportion to the
  percentage of full-time which they work
• Applies to application, tuition, and general fees.

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Tuition Fee Waiver Spouse/Domestic Partner and
Children

• Eligible spouse, domestic partner and dependent
  children can take undergraduate classes at the
  University of Toledo (after one year of service)
• Benefit applies to tuition only, no credit hour
  limit
• For additional information please refer to the
  FAQs handout or visit http//hr.utoledo.edu

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Additional Benefits

• UT-MUO Credit Union
• University of Toledo Early Learning Center
• YMCA Morse Center
• T.I.R.E.S. Discount Program

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Enrollment in Benefits

• All forms must be received within
• 30 days of hire date
• Return forms to Human Resources Main Campus,
  Transportation Center
• Mail Stop 205
• Phone [phone]
• Fax [phone]

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Any Questions
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Who to Contact

• Allison Anderson, Benefits Representative
• allison.anderson_at_utoledo.edu
• Phone [phone]
• Fran Vorderburg, Benefits Coordinator
• frances.vorderburg_at_utoledo.edu
• Phone [phone]