2016 Health Benefits October 2015 1 Health Care Advisory Committee - - PowerPoint PPT Presentation

2016 Health Benefits

October 2015

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Health Care Advisory Committee

• Bruce Arick (Finance/Administration)
• Anita Watts (HR)
• Randal Brown (HR)
• Jeanne VanTyle (Faculty)
• Todd Hopkins (Faculty)
• Gabriela Muniz (Faculty)
• Nandini Ramaswamy (Staff)
• Carrie Maffeo (Faculty)
• Sheri Alexander (Gregory & Appel)
• Chad Morris (Gregory & Appel)

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2016 Health Plan Rate Increase

Premium Increases for 2016 Plan Year: 0% !!!!

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2015 Wellness Initiatives

• Healthy Horizons Comprehensive

Wellness Plan

– $100 incentive for annual confidential wellness consult – $150 additional incentive for proactive management of primary health risk factors – $250 total potential incentive

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2015 Wellness Initiatives

• Healthy Horizons Focused Disease

Management

– Confidential assistance in proactive management of asthma/COPD, diabetes, and cardiovascular disease (CVD) – Free access to routine lab tests, counseling, disease management, and education

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2015 Wellness Initiatives

• Health & Recreation Complex (HRC) Employee

Wellness – Subsidy

• $250 annual membership versus $614, no minimum usage

required.

• $3 versus $7 per visit

– Incentives

• $25 /year for Physical Fitness Assessment
• $5 discount /session of personal training
• 50% discount /session for Dietitian Services

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2015 Wellness Incentives

• Total Incentives Pay 1/1 – 9/30/2015

Approximately $73,700

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2015 Overview-Healthy Horizons

The purpose is to promote healthy living by providing a comprehensive and confidential wellness package to Butler faculty and staff and now expanding to your spouse or domestic partner.

• Participants in Physical Activity, Rewards, Financial Wellness & Stress Reduction

Programs: 430 (January 1 – September 14, 2015)

• Annual Wellness Consult Includes:

– Health Screening (cholesterol, blood pressure, blood glucose, weight assessment) – Health Risk Assessment – Personalized Action Plan with Health Goals

• Annual Wellness Consults:

275 Representing 315

• Health Management Appointments:

910 Unique Individuals – Includes: Blood pressure, cholesterol, medication, and weight management – INR (warfarin) monitoring – Health Coaching

www.butler.edu/healthy-horizons

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2015 Overview - HRC

• Faculty/Staff Memberships @ 130, an increase of

approximately 44% over 2014

• Personal Training

– 338 YTD versus 255 in 2014

• Dietitian Sessions

– Doubled in Spring 2015 versus Fall 2014

• Physical Fitness Assessments

– 30 YTD versus approximately 5/year

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2015 Overview-HealthAdvocate

One, toll-free number supporting all health and benefit needs… delivered by a dedicated, specialized team of clinical and benefit experts to assist you with health care and insurance-related issues.

• 340+ Interactions (calls and emails)
• 104 hours

(Jan-Aug ‘15)

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2015 Overview-Castlight Health

The health care shopping and quality transparency tool that allows you to take charge of your health care.

• Registration rate: 45%
• Return usage: 26%
• Total searches: 4,332
• Total unique visits to website: 603
• Number of page views per user per session: 14

(Sept. ‘14 – Aug. ‘15)

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Health Care Reform 1/1/2016?

Employer Reporting of Health Coverage

• Employers with 50 or more employees will be

required to provide information to the IRS and employees about the health plan coverage they

• ffer to their employees in 2015.
• Employers will be required to provide health care

benefits to certain part-time employees that qualify under new Health Care Reform

• guidelines. (Form 1095-C)

http://www.irs.gov/uac/Patient-Centered-Outcomes-Research-Trust-Fund-Fee:-Questions-and-Answers

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2016 Vendor Partners

Returning Partners

• Medical/Vision – Anthem
• Dental – Delta Dental
• Health Savings Account – HSA Authority by Towers

Bank (Old National Bank)

• Life, STD, LTD, and EAP – One America
• Castlight
• Health Advocate (Under review)

New Partners

• Flexible Spending – Discovery Benefits

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Flex Spending/Discovery Benefits

Benefits of Flex Spending

• Tax Deferred
• Debit Card Convenience
• Note Maximum

– Health $2,550 – Dependent Care $5,000

Past Flex Spending Issues

• Delayed reimbursements
• Co-pay substantiation
• Repeat claim substantiation
• Declining customer svc. &

communication

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Health Plan Participation

2015 2014 2013

• Core

431 446 446

• Buy-Up

138 132 106

• Plus

150 169 205

• CDHP

154 125 89

• Total

873 872 846

(as of September 30, 2015 projected)

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Health Plan Performance

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($ in 000’s) 2009 2010 2011 2012 2013 2014 YTD 2015* Participants 772 804 823 834 846 871 873 Annual Plan Surplus/(Deficit) ($537) $724 $795 ($221) ($429) $49 $1,378 Cumulative Surplus/(Deficit) $187 $982 $761 $332 $381 $1,759 % of Total Plan Costs 3% 12% 8% 3% 4% 28% Total Plan Costs $7,096 $6,763 $7,996 $8,989 $9,681 $10,019 $7,145 Total Funding $6,559 $7,487 $8,791 $8,768 $9,252 $10,068 $8,523 Butler Contribution $4,985 $5,690 $6,691 $6,735 $7,116 $7,811 $6,700 Participant Contributions $1,574 $1,797 $2,101 $2,034 $2,136 $2,257 $1,823 Butler Contribution % 76% 76% 76% 77% 77% 78% 79% Participant Contribution % 24% 24% 24% 23% 22% 22% 21% *Through 9/30/2015 projected

2014-15 Plan Benchmarks

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PPO Plans ¡ Core ¡ Buy-Up ^ ¡ Plus ¡ Butler Ave. ¡ CUPA Benchmark ¡ CDHP ¡ CUPA Benchmark ¡ Single ¡ Family ¡ Single ¡ Family ¡ Single ¡ Family ¡ Single ¡ Family ¡ Single ¡ Family ¡ Single ¡ Family ¡ Single ¡ Family ¡ ¡ ¡ ¡ ¡ ¡ ¡ ¡ ¡ Deductibles ¡ $ 1,250 ¡ $ 3,125 ¡ $ 1,000 ¡ $ 2,500 ¡ $ 750 ¡ $ 1,875 ¡ $ 1,000 ¡ $ 2,500 ¡ $ 500 ¡ $ 1,000 ¡ $ 2,000 ¡ $ 4,000 ¡ $ 1,800 ¡ $ 3,750 ¡ OOP Maximums ¡ $ 3,750 ¡ $ 7,500 ¡ $ 3,000 ¡ $ 6,000 ¡ $ 2,250 ¡ $ 4,500 ¡ $ 3,000 ¡ $ 6,000 ¡ $ 2,800 ¡ $ 6,000 ¡ $ 4,000 ¡ $ 8,000 ¡* ¡ $ 3,500 ¡ $ 7,000 ¡ Coinsurance ¡ 25% ¡ 25% ¡ 20% ¡ 20% ¡ 20% ¡ 20% ¡ 22% ¡ 22% ¡ 20% ¡ 20% ¡ 20% ¡ 20% ¡ 10% ¡ 10% ¡ Office Visit ¡ $ 30 ¡ $ 30 ¡ $ 20 ¡ $ 20 ¡ $ 20 ¡ $ 20 ¡ $ 23 ¡ $ 23 ¡ $ 25 ¡ $ 25 ¡ ¡ ¡ ¡ ¡ Specialist Visit ¡ $ 50 ¡ $ 50 ¡ $ 40 ¡ $ 40 ¡ $ 40 ¡ $ 40 ¡ $ 43 ¡ $ 43 ¡ $ 30 ¡ $ 30 ¡ ¡ ¡ ¡ ¡ Emergency Room ¡ $ 175 ¡ $ 175 ¡ $ 175 ¡ $ 175 ¡ $ 175 ¡ $ 175 ¡ $ 175 ¡ $ 175 ¡ $ 100 ¡ $ 100 ¡ ¡ ¡ ¡ ¡ Employer HSA Contr. ¡ ¡ ¡ ¡ ¡ $ 750 ¡ $ 1,500 ¡ $ 700 ¡ $ 1,200 ¡ Total Monthly Cost ¡ $ 571 ¡ $ 1,407 ¡ $ 643 ¡ $ 1,586 ¡ $ 734 ¡ $ 1,810 ¡ $ 649 ¡ $ 1,601 ¡ $ 600 ¡ $ 1,587 ¡ $ 499 ¡ $ 1,301 ¡ $ 477 ¡ $ 1,329 ¡ Monthly EE Contr. % ¡ 6.5% ¡ 29.6% ¡ 13.2% ¡ 35.2% ¡ 17.8% ¡ 38.6% ¡ 12.9% ¡ 34.9% ¡ 19% ¡ 30% ¡ 6.0% ¡ 24.7% ¡ 13% ¡ 24% ¡ Monthly EE Contr. $ ¡ $ 37 ¡ $ 416 ¡ $ 85 ¡ $ 559 ¡ $ 131 ¡ $ 698 ¡ $ 84 ¡ $ 558 ¡ $ 114 ¡ $ 476 ¡ $ 30 ¡ $ 335 ¡ $ 62 ¡ $ 319 ¡

Butler Plan Data for 2014 * Changed to $6,850 effective 1/1/2016 ^ Buy-Up Plan eliminated effective 1/1/2016

2016 Health Plan Changes

• Consolidate Buy-Up & Plus PPO Plans

– Eliminate Buy-Up; Maintain Plus, Core, and CDHP

• Decrease CDHP Family Out-of-Pocket Maximum

from $8,000 to $6,850 to meet Health Care Reform requirement.

• Same-Sex Domestic Partner Access

– Same-sex Domestic Partner Participants currently enrolled in the health plans will continue to be covered as unmarried domestic partners. – Effective January 1, 2016 health plan access available to employees, spouses, and qualified dependents.

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Future Considerations

• Additional Incentives
• Salary-Based Premium Contributions
• “Working-Spouse” Rule

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How can you continue to help?

• Participate in 2016 Confidential Wellness Initiatives.
• Participate in Family Age-Appropriate Preventive Maintenance

Medical Services

• Continue using Castlight Health to evaluate quality and value
• ptions
• Continue using Health Advocate for claims assistance, benefit

education and as a medical and prescription advocate

• Get your Flu Shot this fall

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Future Dates

• Health Care Forums

– October 21, 2015 @ 3:00 p.m. in JH-141 – October 22, 2015 @ Noon in PB-204

• Benefits Open Enrollment

– November 2 – November 16, 2015 – Paper packets released October 26, 2015 – See www.Butler.edu/HR for presentations and computer lab dates and times

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Questions? Prize Drawings

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