Health & Welfare and Retirement Benefits for HOUSE STAFF 2015 - PowerPoint PPT Presentation

Health & Welfare and Retirement Benefits for HOUSE STAFF 2015 Benefits Overview (6/1/2015)

AGENDA  Benefits Enrollment  Benefits Overview  Benefits Enrollment Checklist  Tools and Resources New Employee benefits presentation posted on HealthySteps at https://healthysteps4u.org/life- events/new-hire/ (HealthySteps > Life Events > New Hire (Resources Box): 2015 New Employee Benefits Presentation). To access the information in HealthySteps, enter your Stanford Health Care (SHC) Employee ID . If your Employee ID is not working yet, use the temporary login: housestaff . Confidential – For Discussion Purposes Only

HEALTHYSTEPS: Benefits Website Home Page www.healthysteps4u.org Confidential – For Discussion Purposes Only

ELIGIBILITY  Eligibility − Regular Employees appointed to work 50% or more are eligible for full benefits − Relief, Temporary, or Contract Employees are not eligible for full benefits  Eligible Dependents (Dependent Verification) − Spouse: Same- or Opposite-Sex − Eligible Domestic Partner: Same-Sex or Opposite-Sex if you or your partner is age 62+ and eligible for Social Security − Eligible Children up to age 26 / age 23 for Child Life Insurance  Dual Coverage : Spouse, Domestic Partner, or Child(ren) is also an SHC/LPCH/PCHA EE Allow ed Not Allow ed Enroll as an Employee OR as a Dependent Enroll as an Employee AND as a Dependent Only 1 Parent may cover Dependent Both Parents cover Dependent Children for Children for Medical/ Vision and Child Life Medical/ Vision and Child Life Insurance Insurance Both Parents may enroll Dependent Children Employee should not be a Dependent on in Dental Plan Spouse’s Dental Plan Employee must w aive Spouse Life Insurance Employee must w aive Child Life Insurance Reference: HealthySteps > HELP & CONTACTS > Benefits Handbook > SPD Booklets – Booklet A Confidential – For Discussion Purposes Only

BENEFIT PREMIUMS  Cost − SHC has a generous benefits package and covers most of the healthcare premiums − Some medical and dental Employee + Child(ren) coverage are provided to you at no cost − Nominal fee is added for Spouse coverage (Working Spouse Access Fee) − Benefits coverage elections are taken out of 24 paycheck deductions − Retirement Savings Plan account contributions and Voluntary Benefits elections through Mercer are taken out of 26 paycheck deductions Reference: HealthySteps > HELP & CONTACTS > Benefits Handbook > SPD Booklets – Booklet A Confidential – For Discussion Purposes Only

SUMMARY OF BENEFITS  Medical/Vision  Dental  Employee Assistance Program (EAP)  HealthySteps to Wellness Program  Flexible Spending Accounts (FSA): Health Care and Dependent Daycare FSAs  Life and Accidental Death & Dismemberment Insurance  Disability Insurance (provided through GME Office) *  Business Travel Accident (BTA) Insurance  Voluntary Benefits via Mercer: Legal, Pet, Homeowners/Renters, Auto, Identity Theft, Purchasing Program, Online Discount Marketplace *  Back-Up Care Advantage Program *  Travel Assistance *  Retirement Savings Plan (RSP) * * Elections or registration must be done directly with benefits vendor Confidential – For Discussion Purposes Only

BENEFITS ENROLLMENT  Enrollment Period: 31 DAYS starting on your Date of Hire (DOH) to enroll or waive coverage, add Dependents, add Beneficiaries  Effective Date: Medical/Vision, Dental, EAP, and BTA is effective on Date of Hire and all other benefits effective 1 st day of the month after Date of Hire  Change Benefit Elections: elections are effective through the end of the plan year; the next opportunity to change elections is Annual Open Enrollment in October or if you experience a mid-year Qualifying Life Event (QLE) such as Birth, Marriage, etc.  QLE Special Enrollment Period: 31 DAYS starting on QLE Date and must submit supporting documents within 60 days of QLE Date  Default Coverage: If NO ACTION is taken, you are assigned the into Employee-Only coverage for the Medical PPO Plan and Delta Dental PPO Plan  Auto-Enroll: system auto-enrolls you in the Default Coverage but gets updated after Medical & Dental elections are made in Benefitsolver  Dependent Verification: submit required eligibility documents within 60 DAYS of DOH or QLE – Dependents will not have coverage until Dependent Verification is processed by Benefitsolver! Confidential – For Discussion Purposes Only

HEALTH BENEFITS: Medical Plans  2 Medical Plan Options: https://healthysteps4u.org/health-life-benefits/medical/ − House Staff PPO and Kaiser Permanente HMO − Preventive Care covered at 100% − When applicable, you are responsible for all medical expenses each year until you reach your Annual Deductible amount − Once Annual Deductible is reached, you pay for coinsurance or copays for covered expenses until you reach your Out-of-Pocket Maximum for the year − When you reach your out-of-pocket maximum, you will pay nothing for the rest of the year for covered services Reference: HealthySteps > Health & Welfare Benefits > Medical  Stanford Coordinated Care (SCC) : https://stanfordhealthcare.org/medical- clinics/coordinated-care.html − For people with chronic conditions or serious illnesses − Program available to PPO Plan participants Reference: HealthySteps > Health & Welfare Benefits > Medical > Special Programs (SCC) Confidential – For Discussion Purposes Only

HEALTH BENEFITS: Medical Plans  House Staff PPO: https://healthysteps4u.org/health-life-benefits/medical/ppo-plan/ − Administered by UMR 800.430.2176 | www.umr.com − Mental Health Care and Substance Abuse provided through Optum 866.374.6060 | www.livenadworkwell.com − Prescription provided through Express Scripts 866.456.4315 | www.express- scripts.com − House Staff PPO is a low-deductible health plan with 3 Tiers of coverage giving you the flexibility of going in and out of network − Using Tier 1, SHC & Stanford Children’s Health providers and facilities, services are covered at 100% − 2 Cards per Member: 1 Medical (UMR) Card + 1 Prescription (Express Scripts) Card − No need to select a PCP and no referral needed when seeing a Specialist − Access to a Health Care Flexible Spending Account (FSA) − Wellness incentive funds earned deposited into a Health Incentive Accout (HIA) Reference: HealthySteps > Health & Welfare Benefits > Medical > PPO Plan Confidential – For Discussion Purposes Only

HEALTH BENEFITS: Medical Plans  Kaiser Permanente HMO Plan: https://healthysteps4u.org/health-life- benefits/medical/kaiser-hmo/ − Administered by Kaiser Permanente 800.464.4000 | http://my.kp.org/ca/stanfordmed − Kaiser HMO Plan allows you receive care only within the Kaiser Permanente network − Northern California coverage − Emergency Care services covered outside of network if you contact Kaiser within 48 hours of receiving care and follow-up care must come from Kaiser MDs − Copays and coinsurance apply − Provides 1 Medical Card per Member − No need to select a PCP − Optional Health Care Flexible Spending Account (FSA) − Wellness incentive funds earned deposited in a Health Incentive Account (HIA) Reference: HealthySteps > Health & Welfare Benefits > Medical > Kaiser HMO Confidential – For Discussion Purposes Only

HEALTH BENEFITS: Choosing a Medical Plan COMPARI NG MEDI CAL PLAN House Staff PPO Kaiser Perm anente HMO FEATURES See any provider you’d like, I n-  or Out-of-Netw ork Must use in-netw ork providers  and facilities Access to 3 tiers of providers  and facilities Set Copays established for  services   Free Preventive Care W ellness incentive funds   deposited into Health I ncentive Account ( HI A)  Out-of-State Dependents Em ergency Services Only $300 / $750 (In-Network) Annual Deductible $EE / $EE+ + $400 / $1,000 $750 / $1,875 (Out-of-Network) $1,300 / $3,250 (In-Network) $1,800 / $3,600 Annual Out-of-Pocket Max $3,250 / $9,375 (Out-of-Network) Confidential – For Discussion Purposes Only

HEALTH BENEFITS: Vision Plan  Vision Plan: https://healthysteps4u.org/health-life-benefits/vision/ − Provided and administered by VSP 800.877.7198 | www.vsp.com − Medical plans are bundled with vision care coverage − Enrolling in a medical plan automatically provides you and your covered dependents vision care coverage at no additional cost − If you waive medical coverage, no option to only enroll in vision care coverage − Copays apply − No Vision Card issued, member SSN is used as the ID Reference: HealthySteps > Health & Welfare Benefits > Vision Confidential – For Discussion Purposes Only

HEALTH BENEFITS: Dental Plans  2 Dental Plan Options: https://healthysteps4u.org/health-life-benefits/dental/ − Administered by Delta Dental www.deltadentalins.com  Delta Dental PPO 800.765.6003 − No Dental Card issued, SSN is used as the ID − Flexibility of going in and out of network − Diagnostic & Preventive services covered at 100% (exams, cleanings, x-rays) − $13.50 Semi-monthly premium when covering Spouse or Family − Ortho covers adults to age 26 for Employees and Dependent Children only  DeltaCare USA DHMO 800.422.4234 − 2 Dental Cards per Family − Select a Primary Care Dentist from DeltaCare USA network − Most Diagnostic & Preventive Services covered at 100%, others Copay − No semi-monthly premiums − Covers Adult Orthodontia Reference: HealthySteps > Health & Welfare Benefits > Dental Confidential – For Discussion Purposes Only