2017-2018 employee benefits open enrollment guide€¦ · medical beneﬁts—personal choice hdhp...

2017-2018 EMPLOYEE BENEFITS OPEN ENROLLMENT GUIDE OPEN ENROLLMENT BEGINS SEPTEMBER 25TH AND ENDS OCTOBER 6TH

2 | ARCADIA UNIVERSITY

Table of Contents

CONTENT PAGE NUMBER

Welcome Letter 3

Benefits Highlights and Enrollment Information 4

Benefits Eligibility 5

Summary of Benefit Plans 6

Medical Benefits—Personal Choice HDHP 7

Medical Benefits—HMO 8

Prescription Drug Benefits 9

Vision Benefits - Personal Choice HDHP 10

Vision Benefits - HMO Plans 11

Accident Injury Insurance - NEW! 12

Hospital Care Insurance - NEW! 13

Dental Benefits—Dental Care DHMO 14

Dental Benefits—Dental PPO 15

Flexible Spending Accounts 16

Life, AD&D and Disability Insurance 17

Pet Insurance - Additional Benefits 18

Wellness Resources 19

Additional Benefits Retirement, Life Assistance, etc. 20

How to Enroll 21

Important Contact Information 23

2017-2018 OPEN ENROLLMENT | 3

Welcome to Open Enrollment!

Dear Colleague, It’s that time of year again! Similar to the excitement we feel at the start of a new academic year, our annual benefit enrollment period also creates a sense of anticipation for many of us. The benefit open enrollment period runs from September 25th – October 6, 2017. Similar to last year, this will be an “Active” enrollment meaning that all benefit eligible employees must actively make benefit elections online. This open enrollment period is your one-time annual opportunity to make changes to your benefits. The benefit choices you make now take effect November 1, 2017 and end October 31, 2018. You may only make changes after this period if you experience a “qualified life event” such as marriage, birth of a child or employment status changes. Many of you have been working really hard to maintain good health as proven by the lower claims experience with Independence Blue Cross. While there are no guarantees this positive trend will continue, we’re optimistic that with your help, it will. We encourage you to double your efforts to maintain an active and healthy lifestyle which translates into cost savings to you and the University. Additionally, we are glad to see by the numbers that folks continue to take advantage of the free preventive care services and various wellness programs offered by our carriers such as the (6) free dietician visits, weight loss challenges, gym membership discounts and more. Your HR team has also been working really hard over the summer! We take great pride in offering a competitive benefit package to attract and retain talented employees. We are pleased to share that our benefit enrollment site with Cigna has been enhanced to provide you with a better customer experience, more resources and easy access to information you need to make good benefit decisions. We have worked with our carriers to manage costs and limit changes for the upcoming plan year. Therefore, we are pleased to share that our current benefit plan carriers will remain the same and employee contribution cost for medical insurance is unchanged for the third consecutive year. The benefits available to you such as medical, prescription, vision, dental, life insurance, short term disability, long term disability and many intrinsic benefits are important parts of your total rewards at Arcadia University. More importantly, they provide access to quality medical care and peace of mind for ourselves and our loved ones. We remain committed to presenting your benefit options in a manner that is thorough and understandable, enabling you to make informed decisions about which plan choices are best for you and your family. It’s important that you take time to review this guide and the additional online resources to become more familiar with all of the terrific benefits available to you. This open enrollment period is too important to ignore and it takes just a short time to complete the enrollment. Don’t miss the boat!

Sincerely, Brian French Benefits Administration and Compliance Manager


Benefit Highlights and Enrollment Information

What’s New! Newly enhanced Cigna benefit enrollment site: http://www.cgsmarketplace.com

New Accident and Hospital Care Voluntary Plans: Through Cigna, these two plans will now be offered on a Voluntary basis. They provide cash payouts to anyone who experiences an injury, receives medical treatment, or has a hospital stay. Various level of payout is provided based on the type of situation. More information is provided later in this guide.

Dental PPO Benefit Enhancement: We heard you and made an enhancement to our Dental PPO plan! All major services will now be covered at 80%, up from 50% last year.

Pet Insurance: We will begin offering a health insurance plan for pets that covers their illness and various injuries. This will provide coverage at Veterinarians, ER's, and Specialists. Be on the lookout for a separate communication and link to this terrific new benefit!

The IRS has increased the annual medical spending account deferral to $2,600, up $50 from last year!

Some dental plan tiers will see a modest increase to employee monthly contribution amounts.

What’s Staying the Same:

Active Enrollment: Active enrollment means that all benefit eligible employee of Arcadia MUST actively make benefit elections for Medical, Dental and Flexible Spending Accounts or will default to “no coverage” for these benefits. You must complete enrollment no later than midnight Friday October 6th or you will not have coverage effective November 1, 2017. If you don’t enroll by the end of the open enrollment period, you will not be allowed to enroll in any benefit plans until next year’s annual enrollment period unless you experience a qualified life event during the year that allows you a new opportunity to enroll.

We will continue to offer Independence Blue Cross medical plans and Cigna Dental plans, Life Insurance, Short Term Disability and Long Term Disability.

The Employer Health Spending Account (HSA) contributions to Personal Choice High Deductible plan remain the same for 2017-18 plan year.

Any Cigna Voluntary Life Insurance coverage amounts already approved will remain the same unless you elect to increase or decrease the existing coverage amounts. Increasing life insurance amounts will require an evidence of insurability form to be completed before being approved. Please note that the voluntary life insurance premiums you pay are age based and therefore will increase as you enter into higher age brackets.

The open enrollment period ends October 6, 2017.


Benefit Eligibility

Benefit eligibility is defined as:

You are eligible for coverage if you are an active, regular full time employee and work at least 1,500 hours per academic year.

Eligible dependents include:

Your spouse.

Your married or unmarried children until the end of month of their 26th birthday. Such children include (a) a blood descendant of the first degree, (b) a legally adopted child (including a child living with the adopting parents during the period of probation), (c) a child for whom you have legal guardianship, (d) a stepchild or (e) a child who is the subject of a Court Order.

Your married or unmarried children covered prior to attainment of age 26 and who are incapable of employment by reason of mental retardation or physical handicap and who became incapable prior to age 26, Newborn children for thirty-one (31) days after birth, a Domestic Partner, Married or Unmarried Children of a Domestic Partner.

Please contact Human Resources with any questions regarding eligibility.

Choose your benefit plans and coverage levels carefully. The IRS only allows changes to your benefit elections for certain qualifying status changes:

Annual Open Enrollment (Now!) Loss of coverage or acquisition of new coverage

from another source Change in Employee’s legal marital status (marriage

or divorce) Change in number of eligible dependents (i.e.

birth, death, court order) Dependent now satisfies or ceases to satisfy

dependent eligibility requirements Change in employment status that affects benefit

eligibility Legal Judgments, Decrees or Orders Significant changes in coverage under the plan of

the spouse’s or dependent’s employer Separation from service

If you experience a qualifying status change and want to make a change to your benefits, please contact Human Resources within 30 days of the event. Documentation will be required to substantiate the Qualifying Life Event and the transaction should be done using the online benefit enrollment site.


Summary of Benefit Plans

Arcadia University provides colleagues with a choice of competitive medical benefit options to meet an array of individual and family needs for health promotion, preventive care and when necessary, major medical expenses. In 2017-18 Arcadia will offer three Independence Blue Cross options; Personal Choice High Deductible Health Plan (HDHP), Keystone Flex and Keystone 515. All three plans include a formulary prescription drug plan and vision coverage. Note: The Keystone HMO plans are available only to employees who live in the five-county area (Philadelphia, Montgomery, Bucks, Berks, Delaware, and a small portion of Southern New Jersey).

“Personal Choice HDHP” - a high deductible PPO plan. After the deductible is met, there is 100% coverage on all in-network medical expenses, with the exception of prescription coverage, which carries a co-payment of $5/$20/$45. Out-of-network coverage is subject to a $5,000/$10,000 deductible and 50% coinsurance. When enrolled in a High Deductible PPO plan, employees can open a Health Savings Account referred to as HSA. An HSA account permits employees to set aside pre-tax dollars to pay for medical expenses until the deductible is met. Employees enrolled in Medicare or have other health insurance are not permitted to contribute to an HSA. An HSA is a tax-advantaged health care account that you own. You contribute to it with tax-free or tax-deductible funds. You can use those funds to pay for eligible health care expenses now and in the future. This includes expenses for you, your spouse and your tax dependents. This is true even if your spouse and dependents are not on your health plan. To contribute to an HSA you must be enrolled in the High Deductible Health Plan (HDHP). The IRS maximum limit on contributions for this coming plan year are $3,450 self only and $6,900 Family. Additionally, Arcadia contributes annual amounts of $750 towards Single coverage and $1,500 towards family coverage to help you meet the required deductible amounts. The funds that you contribute but don’t use will roll over year to year. In addition, an HSA is portable which means that if you change employers or leave the work force, the HSA stays with you. "Keystone Flex” – an HMO plan with a $20 or $40 co-pay for office visits and a $15/$35/$50 co-pay for prescription drugs. In exchange for a lower monthly premium, this plan has co-pays for some services, such as physical therapy and diagnostic tests. The co-pay for hospitalization is $150/day (capped at $750). There is also a co-payment of $75 for out-patient surgery. See additional covered services and details on the following pages. "Keystone 515” – an HMO plan with a $15 or $25 co-pay for office visits and a $15/$35/$50 co-pay for prescription drugs. There is also a co-payment of $500 for a hospital admission and a co-payment of $250 for out-patient surgery. See additional covered services and details on the following pages.

Cigna DHMO or Cigna PPO Dental insurance is currently provided by Cigna. Note: The Cigna DHMO plan is available only to employees who live in the five-county area (Philadelphia, Montgomery, Bucks, Berks, Delaware, and a small portion of Southern New Jersey). Once you enroll in Cigna DHMO, register at myCigna.com. You can search for a dentist using your home zip code. You can search for a network dentist by name, specialty or location. Just follow these easy steps: › Log in to myCigna.com. Click on “Find a Doctor, Dentist or Facility” at the top. Under “Find a…” click “Dentist.” This information is also available on the myCigna mobile app. Call Cigna at 800.Cigna24 where you can speak directly to a customer service representative. Flexible Spending Accounts enable employees to set aside pre-tax income to pay for eligible child/dependent care costs and/or out-of-pocket medical costs. This is accomplished through pay reductions, which lower your federal taxable income. Money set aside in the FSA is not subject to federal income taxes or FICA taxes, and is used to reimburse the employee for actual dependent and health care costs paid. In addition, funds that are set aside for Health Care FSAs are also exempt from PA state taxes. There are two types of flexible spending accounts: Dependent Care Spending Accounts and Health Care (including dental and vision) Spending Accounts. Employees may set up one or both accounts. Establishing a FSA is generally limited to the beginning of employment and the open enrollment period. Debit cards are available for both the Health Care and Dependent Care FSA. Use of the debit cards enables direct payment for eligible out-of -pocket medical expenses or costs at participating dependent care facilities and eliminates the need to submit claim forms and wait for reimbursement. Dependent care expenses are limited to the current account balance each month.


Medical Benefits Independence Blue Cross

BENEFIT DESCRIPTION IN-NETWORK OUT-OF-NETWORK

Deductible Individual/Family

$1,500 $3,000

$5,000 $10,000

Out-of-Pocket Maximum Individual/Family

$6,350 $12,700

$10,000 $20,000

Preventive Care Services 100% 50%, no deductible

Referral Not required

Primary Care Physician Office Visit 100%, after deductible 50%, after deductible

Specialist Office Visit 100%, after deductible 50% , after deductible

Diagnostic Laboratory 100% , after deductible 50%, after deductible

Diagnostic X-Ray/Imaging (MRI, CT-Scan) 100%, after deductible 50%, after deductible

Emergency Room 100%, after deductible 100%, after in network deductible

Urgent Care Center 100%, after deductible 50%, after deductible

Inpatient Hospital 100%, after deductible 50%, after deductible

Outpatient Surgery 100%, after deductible 50%, after deductible

Personal Choice High Deductible Health Plan (HDHP)

This plan includes a Health Savings account that Arcadia contributes towards. Arcadia University will help you meet the required deductible amounts by contributing up to the following annual amounts: $750 Single, $1,500 other tier levels.

Employees are also open to contribute on a pre-tax basis.

TIER YOU PAY

Employee Only $81.00

Employee + Child(ren) $429.00

Employee + Spouse $524.00

Family $441.00

EMPLOYEE MONTHLY CONTRIBUTIONS


Medical Benefits Independence Blue Cross

Keystone Flex HMO Keystone HMO 515 BENEFIT DESCRIPTION IN-NETWORK IN-NETWORK

Deductible Individual/Family None None

Out-of-Pocket Maximum Individual/Family

$6,350 $12,700

$6,350 $12,700

Preventive Care Services Covered 100% Covered 100%

Referral Required Required

PCP Office Visit $20 $15

Specialist Office Visit $40 $25

Diagnostic Laboratory 100% 100%

Diagnostic X-Ray/Imaging $40 100%

Emergency Room $150 (waived if admitted)

$150 copayment (waived if admitted)

Urgent Care Center $105 $105

Inpatient Hospital $150/day

Maximum of 5 copayments/admission

$500 per admission copayment (3)

Outpatient Surgery $75 $250 copayment per admission

MRI, CT-Scan $80 100%

HMO plans are In-Network only plans. Members will pay full cost for out-of-network services. These plans are only available to employees who live in the five county area (Philadelphia, Montgomery, Bucks, Berks, and Delaware).

TIER YOU PAY




Family $489.00

YOU PAY

$66.00

$211.00

$421.00

$605.00

KEYSTONE FLEX HMO KEYSTONE HMO 515


Note: To determine your cost per paycheck, multiply the above amounts times 12 and divide by 24 if paid semi-monthly or 26 if paid bi-weekly


Prescription Drug Benefits Independence Blue Cross

Retail

30-day supply Mail Order

90-day supply HDHP FLEX HMO

HMO 515 HDHP FLEX HMO HMO 515

Generic $5 copay* $15copay $10 copay* $30 copay

Formulary $20 copay* $35 copay $40 copay* $70 copay

Non-Formulary $45 copay* $50 copay $90 copay* $100 copay

* Members in HDHP pay full cost for drugs until deductible is met

Save on your prescriptions with Mail Order

Using the mail order program for your maintenance medications will save you money. You will receive up to a 90-day (3-month) supply for two retail copays. In addition to the savings, your prescriptions will be delivered right to your home. To begin using mail order through Future Scripts, simply complete a mail order form at www.ibx.com and send along with your prescription(s) written for a 90-day supply of medication. The form is located under Individual/Member Services section of the portal.

How much can you save when you use Mail Order? Compare for yourself…

RETAIL PHARMACY UP TO A 31-DAY SUPPLY

MAIL ORDER UP TO A 90-DAY SUPPLY

ANNUAL SAVINGS

Formulary Copay $35

Formulary Copay $70

$140 Annual cost ($35 per month x 12 fills)

$420

Annual cost ($70 per order x 4 fills per year)

$280

If you enroll in one of the medical plans, you are automatically enrolled in the prescription drug benefit.


Vision Benefit - Personal Choice HDHP Independence Blue Cross

Vision benefits are a rider on all of the medical plans. Arcadia’s benefit program offers a network of vision care providers through Independence Blue Cross (IBX) administered by Davis Vision. The chart below is a summary of the benefits available to you. To locate a Davis Vision Network provider, go to www.ibx.com and click on the ‘Find a Doctor feature.

$75 Vision Program IN-NETWORK OUT-OF-NETWORK

Exam $0 Up to $35 reimbursement(1)

Frames

Choose from participating providers own frame Collection and receive $60(2) or choose from Davis Collection or frames

that are available at most participating providers and pay: Fashion selection $0 Designer selection $0 Premier Selection $20

Lenses Single Vision Lenses Bifocal Lenses Trifocal Lenses Lenticular Lenses

Spectacle lenses covered at no extra cost include: all range of prescriptions, oversized lenses, glass or plastic lenses, single visions,

bifocal, trifocal or Lenticular lenses

Eyeglasses including spectacle lenses and frames, at non-participating providers

Contact Lenses (in lieu of eyeglasses) Allowance up to $75(2) Up to $75 reimbursement(1)

Frequency Vision Exam Lenses Frames

Once every two calendar year

Eyeglasses (spectacle lenses and frames) are available up to a $75 reimbursement

(1) in lieu of participating provider benefit, member

(2) Member is responsible for balance


Vision Benefits - HMO Plans Independence Blue Cross

$100 Eyewear Benefit Biennial Benefit IN-NETWORK OUT-OF-NETWORK

Eyeglasses, including spectacle lenses and frames, at participating providers Spectacle lenses Additional lens Option Frames Two options are available for selecting frames

Spectacle lenses covered at no extra cost include all range of prescription, oversize lenses, glass or plastic lenses, single vision, bifocal, trifocal or

lenticular lenses

Additional Lens options

Additional spectacle lens options covered at not cost include : glass grey #3 prescriptions sunglasses, tinting, polycarbonate lenses for dependent

children, monocular patient, an patients with prescriptions greater than or equal to +/-6.00 diopters

Eyeglasses including spectacle lenses and frames at non-participating providers

Eyeglasses (spectacle lenses and frames) are available up to a $100 reimbursement

Contact lenses (in lieu of glasses) including standard, specialty and disposable lenses and evaluation and fitting Participating providers Non– participating providers

Allowance up to $100(1) Up to $100 reimbursement(2)

Total Out-of-Pocket Maximum

Please refer to your medical coverage benefits for information about out-of-pocket maximum values. Out-of-Pocket maximum includes applicable

copayments, coinsurance and deductibles. Your out-of-pocket maximum is a combined maximum of medical, prescription drug and any included pediatric

vision and pediatric dental benefits as defined by your benefit plan

Frequency Once every two calendar years

Vision benefits are a rider on all of the medical plans. Arcadia’s benefit program offers a network of vision care providers through Independence Blue Cross (IBX) administered by Davis Vision. The chart below is a summary of the benefits available to you. To locate a Davis Vision Network provider, go to www.ibx.com and click on the ‘Find a Doctor’ feature.

(1) in lieu of participating provider benefit, member

(2) Member is responsible for balance


Accidental Injury Insurance Cigna

Accidental Injury coverage provides a benefit according to the schedule below when a Covered Person suffers Covered Injuries or undergoes a broad range of medical treatments or care resulting from a Covered Accident. Who Can Elect Coverage?

All active, Full-time Employees of the Employer who are United States citizens or permanent resident aliens regularly working a minimum of 30 hours per week in the United States. You will be eligible for coverage the first of the month coincident with or following date of hire.

Spouse: Up to age 70, as long as you apply for and are approved for coverage yourself. Child(ren): Birth to 26, as long as you apply for and are approved for coverage yourself.

INITIAL & EMERGENCY PLAN 1 PLAN 2

Ground Ambulance Air Ambulance

$300 $1,200

$400 $1,600

Emergency Care Treatment $100 $200

Diagnostic Exam (X-ray or lab) $10 $50

Physician Office Visit $50 $100

HOSPITALIZATION BENEFITS PLAN 1 PLAN 2

Hospital Admission $500 $1,000

Hospital Stay (per day) $100 $200

Intensive Care Unit (per day) $200 $400

WELLNESS, HEALTH SCREENING TEST, OR PREVENTIVE CARE BENEFIT PLAN 1 PLAN 2

Examples include (but are not limited to) routine gynecological exams, general health exams, mammography, and certain blood tests. A 30-day benefit waiting period applies during which benefits will not be paid.

$50 per day $75 per day

TIER PLAN 1 PLAN 2

Employee Only $9.96 $18.29

Employee + Child(ren) $18.47 $33.58

Employee + Spouse $17.50 $32.02

Family $25.27 $45.85



Hospital Care Insurance Cigna

Hospital Care coverage provides a benefit according to the schedule below when a Covered Person incurs a Hospital stay resulting from a Covered Injury or Covered Illness. Who Can Elect Coverage?

All active, Full-time Employees of the Employer who are United States citizens or permanent resident aliens regularly working a minimum of 30 hours per week in the United States. You will be eligible for coverage the first of the month coincident with or following date of hire.

Spouse: Up to age 70, as long as you apply for and are approved for coverage yourself. Child(ren): Birth to 26, as long as you apply for and are approved for coverage yourself.

HOSPITALIZATION BENEFITS PLAN 1

Hospital Admission No Elimination Period. Limited to 1 day, 1 benefit(s) every 90 days.

$1,000 per day

Hospital Chronic Condition Admission No Elimination Period. Limited to 1 day, 1 benefit(s) every 90 days.

$50 per day

Hospital Stay No Elimination Period. Limited to 30 days, 1 benefit(s) every 90 days.

$100 per day

Hospital Intensive Care Unit (ICU) Stay No Elimination Period. Limited to 30 days, 1 benefit(s) every 90 days.

$200 per day

Hospital Observation Stay 1 hour Elimination Period. Limited to 72 hours. $100 per 24-hour period

EMPLOYEE MONTHLY CONTRIBUTIONS TIER PLAN 1




Family $54.46


Arcadia University offers you a choice of two Cigna dental plans: Dental HMO and Dental PPO. The Dental HMO (DHMO) plan helps to streamline your dental care and makes most preventive and diagnostic services available at a reasonable cost or no additional cost to you, including yearly fluoride treatments for covered children. There is a copay for covered services, but no deductibles or annual dollar maximums, no coverage waiting periods and no claim forms to complete. Be sure to choose a primary dental provider for care and you may change dental providers anytime by calling 1-800-24-Cigna.

Dental Benefits Cigna - Dental Care DHMO

TIER YOU PAY

Employee Only $4.00



Family $8.00


Cigna Dental Care –DHMO

Sample of Covered Procedures Cost with Cigna Dental Care Estimated cost without dental coverage

Adult Cleaning (two per calendar year each at $0) Additional cleanings available at $41 each) $0 $70-$136 each

Child cleaning (two per calendar year each at $0) (additional cleanings available at $30 each) $0 $53-$102 each

Periodic oral evaluation $0 $40-$76

Comprehensive oral evaluation $0 $62-$118

Topical fluoride (two per calendar year each at $0) (additional topical fluoride available at $15 each $0 $28-$53

Occlusal appliance, by report (for treatment of TMJ) $216 $640-$1,233

WHAT YOU’LL PAY

X-rays- (bitewings) 2 films $0 $33-$63

X-rays– panoramic film $0 $84--$161

Sealant– per tooth $10 $42-$80

Amalgam filling (silvered colored) -2 surfaces $10 $118-$226

Composite filling (tooth– colored) - 1 surface, Anterior $15 $120-$231

Molar root canal (excluding final restoration) $280 $852-$1,640

Comprehensive orthodontics-child (up to 19th birthday) - Banding $400 $1,042-$2,005

Periodontal (gum) scaling & root-planning - 1 quadrant $55 $179-$344

Periodontal (gum) maintenance $35 $109-$209

Removal/extraction of erupted tooth $10 $120-$231

Removal/extraction of impacted tooth $115 $370-$712

Crown– porcelain fused to high noble metal $255 $849-$1,634

Implant supported retainer for porcelain fused to metal fixed partial denture $555 $1,097-$2,112


Dental Benefits Cigna - Dental PPO

TIER YOU PAY

Employee Only $8.00

All Other Tiers $68.00


Cigna Dental PPO IN-NETWORK OUT-OF-NETWORK

Calendar Year Deductible Individual Family

$0 $0

$0 $0

Calendar Year Maximum (per patient) $1,500 Preventive Services apply

$1,500 Preventive Services apply

Preventive & Diagnostic Services Exams, Cleanings, Routine X-rays (each twice in a calendar year) Fluoride Application (once in a calendar year, children to age 19) Sealants (under age 14) Space Maintainer (limited to non Orthodontic treatment) Non-Routine X-rays Emergency Care to Relieve Pain

100%, No Deductible 100%, No Deductible

Basic Services Fillings (Amalgam and composite on all teeth) Oral Surgery– Simple Extractions Oral Surgery-All Except Simple Extraction Surgical Extractions of Impacted Teeth Anesthetics Root Can Therapy/Endodontics Brush Biopsy Repairs– Dentures Stainless Steel/Resin Crowns


Major Services Major Periodontics Minor Periodontics Crowns/ Inlays/Onlays Dentures Bridges Relines, Rebases, and Adjustments Repairs-Bridges, Crowns, and Inlays


Orthodontia Coverage for Eligible Children Only Lifetime Maximum

50%, No Ortho Deductible $1,500

50%, No Ortho Deductible $1,500

With the Cigna Dental PPO (DPPO) plan you can visit any dentist in- or out-of-network and you never need a referral to see a specialist. You also have access to most preventive services at a reasonable cost or at no additional cost to you. This plan has been enhanced and now covers Major Services at 80%, up from 50% last year.


A Flexible Spending Account (FSA) allows you to set aside money for eligible expenses on a pre-tax basis. See the example below how this account can save you cash! You can carry over $500 from your medical FSA into the following year. Examples of eligible FSA expenses include doctor office visit copays, prescription drug copays or vision care, For a complete list, visit www.irs.gov.

Health Care Flexible Spending Account (FSA) The minimum annual election is $130 and the maximum election is $2,600. PayFlex will issue a debit card with your elected amount to use on eligible expenses during the year. Up to $500 of unused FSA dollars can be carried over into the next plan year. You will not receive a new debit card until you reach the expiration date on your current card.

Dependent Care Flexible Spending Account The minimum annual election is $130 and the maximum election is $5,000. You can reimburse yourself on daycare expenses paid during the year by submitting a claim form or using your debit card. You can receive up to the amount contributed into the dependent care FSA at anytime during the year. Unused dependent care FSA dollars are forfeited and cannot be rolled over into the next plan year.

Example of how FSA Contributions can increase your spendable income! Bob and Jane’s combined gross income is $30,000. They have two children and file their income taxes jointly. Since Bob and Jane expect to spend $2,000 in adult orthodontia and $3,300 for day care next plan year, they decide to direct a total of $5,300 into their FSAs.

Flexible Spending Accounts (FSA) PayFlex

Note: You MUST enroll each benefit plan year if you wish to continue with the pre-tax savings of the medical and/or dependent care Flexible Spending Accounts.

Without FSAs With FSAs Gross income: $30,000 $30,000

FSA contributions: $0 -$5,300

Gross income: $30,000 $24,700 Estimated taxes:

Federal -$2,550* -$1,755*

State -$900** -$741**

FICA -$2,295 -$1,890

After-tax earnings: $24,255 $20,314 Eligible out-of-pocket Medical and dependent care expenses: -$5,300 $0

Remaining spendable income: $18,955 $20,314

Spendable income increase: $1,359 *Assumes standard deductions and four exemptions. ** Varies, assume 3%. The example above is for illustrative purposes only. Every situation varies and we recommend that you consult a tax advisor for all tax advice.


Life, AD&D and Disability Insurance Cigna

Basic Life and AD&D Insurance All active, full-time employees regularly working at least 35 hours each week are automatically enrolled in the Basic Life and Accidental Death and Dismemberment (AD&D) plan. This coverage is available to Arcadia employees at no cost - the univeristy pays 100% of the Basic Life and AD&D premium. The Basic Life and AD&D benefit is 1.5 times annual earnings to a maximum amount of $500,000.

Supplemental Voluntary Life and AD&D All full-time employees who work a minimum of 1,500 hours per academic year may purchase supplemental life insurance for themselves in an amount of up to 5 times base salary in increments of $10,000 (not to exceed $500,000). Coverage may also be purchased for spouses or qualified domestic partners in increments of $5,000 up to an amount of 100% of the employee’s supplemental insurance. Dependent children (up to age 26) may be covered in increments of $2,000 up to a maximum of $10,000. The maximum benefit for a child between the ages of live birth and 6 months is $1,000. Coverage for all or part of your supplemental insurance may be subject to evidence of insurability. Any increase amount during open enrollment will require an EOI. Coverage will reduce to 65% of the original amount at age 70, and to 50% of the original amount at age 75. Other limitations and exclusions may apply. Additional information is available through Cigna or in the Human Resources/Benefits area @ My Arcadia.

Short-Term Disability Short-term disability support shall be available to full time employees of Arcadia University after one year of continuous full time employment. Short-term disability benefits may continue for up to six months with proper medical documentation.

Long-Term Disability After one year of continuous full-time employment, the University pays the premium for a disability group insurance plan. Under this disability program, after six months of total disability, eligible employees may apply for long-term disability benefits. If approved by the insurance company, employees will receive 60% of their base salary up to the plan maximum. Waiting period for enrollment may be waived if you can provide proof that you were covered under a similar group employer plan within the last 90 days.


Additional Benefits: Pet Insurance Figo

What is Pet Insurance? A health insurance plan that covers the illnesses and injuries of your pet. This includes veterinarians, ERs, and specialists.

How It Works If your pet is sick or injured, you can receive treatment from any licensed veterinarian in the US, Puerto Rico, or Canada.

What It Covers All illnesses and injuries, including hereditary and congenital, are covered as long as they were not pre-existing conditions.

What’s Covered?

Pre-Existing Conditions All pet insurance companies exclude pre-existing conditions.

Waiting Periods Figo’s waiting periods are: 5 days for injuries, 14 days for illnesses, and 6 months for knees. All waiting periods can be waived by vet exams.

Deductibles All Figo plans are based on annual deductibles, not per condition.

10 GREAT FIGO ADVANTAGES Low, easy annual deductible

Exam fee paid for covered illnesses and injuries

Copay & deductible waived for emergency, life-saving treatments

Unlimited lifetime benefit with 100% reimbursement plan

Alternative and holistic treatments fully covered

Claims paid on vet bill, regardless of treatment type or cost

Curable pre-existing conditions covered if free for 12 months

No upper age limits. Period.

Generous lost pet protection

Same low deductible and copay for specialists and emergency rooms

Plan Options

Vet Exams Hospitalization Surgeries Prescriptions Cancer Treatments CAT Scan, MRIs,

X-Ray

Vet Specialists Hereditary Conditions Congenital Conditions Hip Dysplasia And So Much More

ESSENTIAL PREFERRED

Annual Vet Fees $10,000 $14,000

Emergency Boarding

ULTIMATE

Unlimited

Advertising & Reward

Lost Pet

Vacation Cancellation

Mortality Benefit


Wellness Resources

Personal Health Profile This is an online health assessment that provides a snap shot of your health and personalizes an action plan to help you get healthy. Tobacco Cessation Receive money back when you complete an approved program to help you quit smoking. Blue365 Save on health-related products and services with exclusive value-added discounts and offers from leading national companies. GlobalFit Gym Discount Program GlobalFit offers discounts at more than 10,000 gyms nationwide. Members also get exclusive savings on home health and fitness products including Zumba, Total Gym, Schwinn, StairMaster and more! Learn more about GlobalFit by calling 800.294.1500 or visit www.globalfit.com/connerstrong Healthy Learn This resources is a portal that includes the best, most interactive and source based data on wellness and medical topics available. For more information, visit Healthy Learn today at: http:://www.healthylearn.com/connerstrong

GoodRx Good Rx allows you to simply and easily search for retail pharmacies that offer the lowest price for specific medications. Use Good Rx to compare drug prices at local and mail-order pharmacies and discover free coupons and savings tips. Find out how GoodRx can save on your prescription drugs by visiting www.connerstrong.goodrx.com. BeneService, Member Advocacy: Conner Strong & Buckelew We know it is often difficult to fully understand your health benefits and use them properly, especially when insurance companies make more and more changes to the way plans are administered and how claims are paid. Please contact the Conner Strong & Buckelew Member Advocacy Unit for assistance. You can contact the BeneService team Monday through Friday, 8:30 am to 5 pm (Eastern Time) at 800.563.9929, or go to www.connerstrong.com, click on the “Employee Benefits” tab then click “BeneService” and complete the

Independence Live Independence Blue Cross is pleased to unveil Independence LIVE – a new state of the art, customer experience center featuring licensed agents, health and wellness programs, a tech arcade and live cooking demonstrations. They are open 8am-5pm M-F and located at 1919 Market Street, 2nd Floor in downtown Philadelphia. Stop by the next time you venture into Center City!

These resources are available—at no cost—to all employees who are enrolled in any of the IBC (Independence Blue Cross) medical plans.


Additional Benefits

Retirement Take advantage of the Arcadia University 403(b) matching plan and build your retirement. When you set aside up to 6% of your annual salary to the plan on a tax deferred basis, Arcadia University will provide a matching contribution up to 6% - a total contribution rate of 12%. And, if you set aside 6.5% or more of your annual salary to the plan on a tax deferred basis, Arcadia will provide an 8% match, bringing your contribution total up to 14.5%. In addition to a tax deferred option, we also offer a Roth post tax investment option. While you are encouraged to speak with your own Financial Advisor, you have access to a Financial Consultant at TIAA. To request an appointment for a one on one advice session call 800-732-8353. We have a dedicated TIAA Financial Consultant that comes to campus regularly throughout the year so stay tuned for more information in the HR newsletter and periodic emails. These sessions fill up fast so don’t delay! To begin investing more for your future, call 800-842-2252 Monday through Friday 8am to 10pm and Saturday from 9am to 6pm. The TIAA consultants will answer your questions and take you step by step through your plan choices and suggest a portfolio allocation tailored to your preferences and long term savings goals. You may also access your account online at https://www.tiaa.org/public/tcm/arcadia/home. Ideally, you should be reviewing your portfolio at least twice per year.

Tuition Remission All full time employees are eligible for tuition remission at Arcadia for undergraduate, graduate and doctoral study. Tuition remission covers 100% tuition but does not include any fees, housing and other expenses. All state and federal grants and scholarships, including Arcadia scholarships, will be deducted from the tuition charges before tuition remission benefits are applied. All full time employees are also eligible to participate in the CIC Tuition Exchange program. This allows employees, their spouses and dependents to attend a participating university with 100% tuition scholarship. For any clarification, more details or any questions, please reach out to Human Resources at 215-572-2813 Cigna Secure Travel Cigna Secure Travel provides special assistance for emergency medical, financial, legal and communication assistance when you travel. This program gives covered individuals access to a travel assistance customer service center from anywhere in the world when traveling at least 100 miles from home. For more information about Secure Travel, call 888-226-4567.

Will Preparation Cigna’s Will Preparation Program helps you and your family to plan and protect your financial future by using a simple online tool. The tool allows you to build state specific customized wills and other legal documents such as last wills, living wills, and power of attorneys. Cigna’s Will Center is secure, easy to use and available to you and your covered spouse seven days a week, 365 days a year. Visit CignaWillCenter.com to learn more.


Additional Benefits

Life Assistance Program Achieving a health work life balance can sometimes be challenging. If you would like help handling life’s demands, Call Cigna’s Life Assistance Program anytime 24/7 at (800)-538-3543. This Program provides guidance on topics such as legal consultation, parenting, senior care, child care, pet care, financial services and referrals. This program offers three face-to-face sessions with a behavior counselor available to you and your household members. You also get access to discounts on health and wellness products and services. Paid Time Off (PTO) Arcadia University offers a generous PTO allotment to all regular full-time 12 month employees. Part time staff members who are expected to work at least 1000 hours per year will earn prorated vacation. See PTO policy for further details. Vacation Vacation pay is earned according to classification and length of employment. Vacation will be accrued each payroll cycle at the appropriate rate, and balances will be reflected in total hours. Personal All regular, full-time staff members are given two personal each year. Personal time for those who have been employed by the University for less than one complete fiscal year is pro-rated. Sick All regular, full-time, non-faculty employees receive sick time. Employees will receive their full allotment, which is the equivalent of the yearly cap, of sick time on June 1st of each fiscal year. Sick time is not carried over into the new fiscal year. 9, 10 and 11 month employees receive a prorated amount. Employees are eligible to use sick time for personal illness or illness in the immediate family (spouse, children, and parent).

Holidays The following holidays will be observed: New Year's Day, Memorial Day, Independence Day, Labor Day, Thanksgiving Day, Day after Thanksgiving, Christmas Eve Day and Christmas Day. Most university offices are closed during the week between Christmas Day and New Year's Day. Some offices cannot close completely because of the nature of their operation. The supervisor can explain which employees would be required/asked to work during that time. Bereavement Leave In the event of a death in the employee’s immediate family, the University may grant leave with pay not to exceed three days. Immediate family is defined as spouse, domestic partner, brother, sister, child, daughter-in-law, son-in-law, stepchild, grandchild, parent, mother-in-law, father-in-law, and grandparent. One day off with pay may be granted by the University in the event of a death of an aunt, uncle, brother-in-law, sister-in-law, nephew or niece.


How To Enroll

Launch the following URL: http://www.cgsmarketplace.com.

The Cigna Guided Solutions marketplace will open.

Click the Go button in the Log In Here section.

A new browser window will open where you enter your user ID and password.


Important Contact Information

For your convenience, below is a list of important contacts for all of your Arcadia University employee benefits needs.

BENEFIT PLAN CARRIER PHONE NUMBER WEBSITE

Medical, Prescription Drug and Vision

Independence Blue Cross 800-ASK-BLUE www.ibx.com

Flexible Spending Accounts PayFlex 844-PAY-FLEX https://www.payflex.com/

individuals

Healthcare spending Account (HSA) Health Equity 866-346-5800 www.healthequity.com

Dental Cigna 800-433-6825 www.cigna.com

Life & Disability insurance Cigna 800-362-4462 www.cigna.com

Retirement TIAA 800-842-2888 www.tiaa.org/arcadia

Cigna Secure Travel Cigna 888-226-4567

General Benefit Questions BeneService 800.563.9929 www.connerstrong.com

Accident & Hospital Stay Cigna 800-362-4462 www.cigna.com

Pet Insurance Figo 844.738.3446 www.figopetinsurance.com

Please contact the following Human Resources Representative with any benefit related questions:

Sonya Pettiford 215-572-4694

Kate Waters 215-572-2813 (Tuition Benefit Inquiries Only)

Brian French 215-572-2788

Enrollment Instructions

1

The following information describes how an employee registers for and logs in to the Cigna Guided Solutions® (CGS) Customer Portal.

► To register for and log in to the CGS Customer Portal

1. Launch the following URL: http://www.cgsmarketplace.com.

The Cigna Guided Solutions marketplace opens.

Figure 1: Cigna Guided Solutions marketplace website

2. Click the Go button in the Log In Here section.

A new browser window opens where you enter your user ID and password.

Figure 2: Cigna Guided Solutions Customer Portal Login Page

INFORMATION SHEET – CGS CUSTOMER PORTAL

REGISTRATION AND LOG IN

SELF SERVICE BILLING

http://www.cgsmarketplace.com/

2

3. Do one of the following:

a. If you have been a Cigna customer within the last two years at your current employer, and have created a myCigna.com user ID and password, continue with your myCigna.com user ID and password to log in.

Notes:

Most coverages allow a two-year run-out period after the coverage cancellation date. If you have been a Cigna customer within the last two years at your current employer, and had created a myCigna.com user ID and password but have forgotten your user ID or password, click Forgot User ID or Forgot Password respectively to have either one reset.

Any myCigna.com user ID and password that you created while covered under a different employer will not work here. Your myCigna.com user ID and password must be associated with your current employer.

Do not use your login credentials from any previous Cigna online benefits enrollment tool because those credentials are no longer valid.

b. If you are a new Cigna customer, or were an existing Cigna customer at a previous employer, click the Register Now button.

The Registration page opens at the Enter Personal Details tab.

Figure 3: Enter Personal Details tab

3

i. Enter your personal details in each of the fields on the Enter Personal Details tab and click Next.

Note: Your personal details information must match the information that your employer supplied to Cigna.

The Confirm Your Identity tab opens.

Figure 4: Confirm Your Identity tab

ii. Enter your Social Security number and click Next.

The Create User ID tab opens.

Note: If you receive an error after you enter your Social Security number and click Next, make sure that you have correctly entered your personal details on the Enter Personal Details tab. You can click the Previous button to go back to the Enter Personal Details tab, verify your information, make any changes necessary, and then continue in the process.

For security purposes, the system does not highlight specific errors. You must verify each key field carefully, and pay particular attention to your date of birth and zip code, because these are easy to mistype.

4

Figure 5: Create User ID tab

iii. Create your user ID and password, enter your email address, select your security questions and answers, and then click Next.

Note: The system uses your personal details and your security questions to validate your identity if you forget either your user ID or password. The system also uses the personal information that your employer sends to Cigna that allows you to sign up for Customer Portal access. For more information, see Troubleshooting.

Important! The user ID and password that you create for access into the CGS Customer Portal becomes your user ID and password for access into your myCigna.com account (with your current employer) in the following cases:

You do not have an existing myCigna.com user ID and password.

Your existing myCigna.com user ID and password is with a previous employer or under another existing coverage (as a dependent, for example).

If either case applies to you, remember that your CGS Customer Portal user ID and password will become your myCigna.com user ID and password.

5

The Review & Submit tab opens.

Figure 6: Review & Submit tab

iv. Review the information on this page to ensure that it is correct, and then click Submit.

You return to the Login to Cigna Guided Solutions page.

6

v. Enter your user ID and password that you just created and click Login.

The User Agreement page opens.

Figure 7: User Agreement page

vi. Select the I Agree button for the User Agreement.

The system logs you in to the Customer Portal.

Note: The User Agreement displays once at initial log in. The User Agreement does not display at subsequent log ins.

7

Troubleshooting

Review the following troubleshooting information if you are having issues registering for the CGS Customer Portal.

Confirm Your Identity Tab

The following information describes issues that you may encounter in the Confirm Your Identity tab.

If you receive an error after you enter your Social Security number, it is because the system does not recognize your personal details, which can affect your ability to register.

Figure 8: Error message on the Confirm Your Identity tab

You can receive an error because of any of the following reasons:

Recent name change

Hyphenated names – try entering your name using a space instead of a hyphen

Using a different name than what is on your paycheck – try using the name that is on your paycheck

Recent address change – if you moved recently, make sure that your employer has your new address. Otherwise, try entering your previous address.

Date of birth is incorrect with your employer

Social Security number is incorrect with your employer

When you receive an error, you can do either of the following:

Click Previous to go back to the Enter Personal Details tab to verify that you entered your personal details correctly.

Click Cancel to cancel the registration process.

The Cancel Account Registration dialog opens, prompting you to confirm whether you want to cancel your registration.

Click Yes.

You return to the Login to Cigna Guided Solutions page.

8

Note: You can only attempt to register your account a maximum of three times before you receive an error and the system prevents you from registering for one hour.

Figure 9: Maximum registration attempts error message

Create User ID Tab

The following information describes issues that you may encounter in the Create User ID tab.

Keep the following in mind when you create your user ID and password:

Make sure that you use the correct format when you create your user ID and password, and that your intended user ID is available for you to use.

Figure 10: Validating a user ID

All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Cigna Health and Life Insurance Company, Connecticut General Life Insurance Company, Life Insurance Company of North America, Cigna Life Insurance Company of New York, Cigna Benefit Technology Solutions, Inc., and HMO or service company subsidiaries of Cigna Health Corporation and Cigna Dental Health, Inc. The Cigna names, logos, and other Cigna marks are owned by Cigna Intellectual Property, Inc. ©2017 Cigna

April 2017

Figure 11: Validating a password

Do not use your Cigna ID or Social Security number as your user ID.

You can click the Check Availability link to make sure that your user ID is unused.

Make sure that your password is between 6-12 characters with one number, one letter, and no spaces. The only special characters allowed are _ ! . & @

In general, make sure that you are using the information that your employer has on file for you. In addition to validating the personal information that you enter, the system also uses the personal information that your employer sent to Cigna. Make sure that the information that you are using to sign up matches the information that your employer has on file for you.

Notes:

If you have any questions about the CGS Customer Portal or myCigna.com, or continue to have issues specific to registering for or logging in to either the CGS Customer Portal or myCigna.com, contact Cigna at 1.855.221.0273.

If you have any questions regarding your online enrollment, including questions such as how to navigate the CGS technology, enroll into benefits, or understand plan options, contact one of the following numbers, depending on the Cigna products your employer offers:

Cigna SureFit plans contact 1.855.244.6216

All other Cigna plans contact 1.855.799.1974

2017-2018 employee benefits open enrollment guide€¦ · medical beneﬁts—personal choice hdhp...

Documents