the university appreciates you and your contributions to ... · the curators of the university of...

Did you know that in 2019 the University of Missouri System provided health and welfare benefits to over 50,000 people across all 50 states and Puerto Rico?

The University appreciates you and your contributions to our community.

2020

Ben

efits

Guid

e

Discrimination is against the lawThe Curators of the University of Missouri complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex. The Curators of the University of Missouri does not exclude people or treat them differently because of race, color, national origin, age, disability or sex.The Curators of the University of Missouri:

■ Provides free aids and services to people with disabilities to communicate effectively with us, such as: ◦ Qualified sign language interpreters ◦ Written information in other formats (large print, audio, accessible electronic formats, other formats)

■ Provides free language services to people whose primary language is not English, such as: ◦ Qualified interpreters ◦ Information written in other languages

If you need these services, contact Carol Wilson, Director, Benefits. If you believe that The Curators of the University of Missouri has failed to provide these services or discriminated in another way on the basis of race, color, national origin, age, disability or sex, you can file a grievance with:

Carol Wilson, Director, Benefits1000 W. Nifong, Bldg. 7, Suite 210, Columbia, MO 65211

Phone: 573-882-2406 Fax: 573-882-9155

[email protected] You can file a grievance in person or by mail, fax, or email. If you need help filing a grievance, Carol Wilson, Director, Benefits, is available to help you.You can also file a civil rights complaint with the U.S. Department of Health and Human Services, Office for Civil Rights, electronically through the Office for Civil Rights Complaint Portal, available at https://ocrportal.hhs.gov/ocr/portal/lobby.jsf, or by mail or phone at:

U.S. Department of Health and Human Services200 Independence Avenue, SW

Room 509F, HHH BuildingWashington, D.C. 20201

1-800-368-1019, 800-537-7697 (TDD)

Complaint forms are available at http://www.hhs.gov/ocr/office/file/index.html.

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Welcome to your 2020 University of Missouri (UM) System Benefits Guide. The University appreciates you and your contributions to our community. Because health care needs are personal and important, we want to support you in finding insurance plans that work for your situation. Benefits provide an important financial protection when you need it most, and this document has been designed to help you understand your insurance plans, as well as the many other benefits available to you. I encourage you to review this guide so you can make the choices that will best support you and your family in the year ahead.

As we do every year, the UM System Office of Human Resources completed an annual review of the University’s benefit offerings in collaboration with the Total Rewards Advisory Committee (TRAC), the UM System Office of Finance and our vendor partners. TRAC (umurl.us/trac) is comprised of members representing faculty and staff from each University, the hospital and retirees. The benefit options we analyzed during the review process helped us design the offerings for faculty and staff you’ll see featured in this guide.

Health care costs continue to rise nationally, and these increases are primarily driven by prescription costs. However, our team has worked proactively to make adjustments to our medical plans which have helped keep premium increases lower than they otherwise would be. Starting January 1, 2020, out-of-pocket maximums will increase to match IRS limits. These changes will allow the University to continue to subsidize an average of 80% of the total cost of your medical premiums, as well as 50% of the total cost of your dental premiums, for the 2020 calendar year.

The University will also change its vendor for the Life, Accidental Death and Dismemberment (AD&D) and Long Term Disability (LTD) insurance plans for the 2020 plan year. As part of this new agreement, faculty and staff have the unique opportunity to add or increase Basic Life, LTD and Additional Life coverage (up to 1x annual base salary) without completing the usual evidence of insurability process during their annual enrollment period for the 2020 plan year. Faculty and staff who are new to the University continue to have this opportunity as part of their initial enrollment. Additionally, the guarantee issue for Dependent Life-Child insurance has increased to $25,000. Learn more in the respective sections for each of these plans.

I appreciate the many individuals, including our Benefits team and TRAC members, who help keep our coverage high-quality and affordable. While the changing landscape of health care provides many new and ongoing challenges, my team is dedicated to finding solutions that will best support our faculty, our staff and our University as a whole.

Marsha Fischer Associate Vice President for Human Resources and Chief Human Resources Officer (CHRO)University of Missouri System

Marsha FischerAssociate Vice President for

Human Resources and CHROUniversity of Missouri System

Welcome

Please note, you must submit a medical insurance choice during your enrollment period. If you are a newly benefit-eligible faculty or staff member, you must take action during your initial enrollment period, even if your decision is to waive coverage for one or all of the plans offered. If you fail to do so, you will default to the self-only coverage level of the Healthy Savings Plan and pay taxes on your premiums.

If you are a current faculty or staff member, Annual Enrollment provides you an annual opportunity to review and change your benefits for the following calendar year. Review your current benefit plan elections in myHR, including enrolled dependents and designated beneficiaries, and make changes as necessary during the Annual Enrollment period. If you do not make changes to your elections, your current enrollments will continue into the new calendar year, with the exception of Flexible Spending Accounts (FSAs). You must re-enroll in Health Care and Dependent Care FSAs each year.

Healthy Savings Plan 3

Health Savings Account 4

Custom Network Plan 5

PPO Plan 7

Flexible Spending Account 9

Premiums 10

Medical Plan Comparison Chart 11

Dental 13

Vision 14

Life, Long Term Disability and Accidental Death and Dismemberment 15

Enroll in myHR 16

After you Enroll 17

Take Advantage of Other Benefits 18

Retirement Planning 19

Wellness Incentive 20

Table of Contents

This guide provides a summary of various plans included in the University of Missouri System benefit program effective January 1, 2020. Summary Plan Descriptions (SPDs) for each plan described herein can be found on the UM System website. At the time of printing of this guide, the SPDs on the website are the 2019 SPDs; the 2020 SPDs will be posted soon. Please note that, except for the specific information pertaining to the allowable/eligible expenses when using an out-of-network provider, the information in the 2020 SPD for each plan may vary from the information in the 2019 SPDs, and the 2019 SPDs should not be relied upon to determine plan benefits effective January 1, 2020.

The SPD serves as both the Plan document and the SPD. In the event of a discrepancy between this guide and the SPD, the SPD will govern in every instance. The University of Missouri System reserves the right to change or terminate the benefits program, individual plans or provisions at any time.

Facts and Tips

3

The Healthy Savings Plan is available regardless of location. The plan is coupled with a Health Savings Account (HSA). Your employer makes an annual contribution to help increase your savings for qualified health care expenses.

About the plan ■ You pay the full cost of medical services and prescription drugs until you reach your annual deductible.

■ The price of in-network medical services and prescription drugs is discounted. You pay the total of that discounted price until the deductible is met.

■ After you meet the deductible, you pay 10% of the cost of covered in-network medical services and prescription drugs until you reach the out-of-pocket limit (comprised of deductibles, coinsurance and prescription drug charges).

■ Once the annual out-of-pocket limit is met, the plan will pay 100% of covered services and prescription drugs for the rest of the year.

■ The deductible for the Healthy Savings Plan combines medical services and prescription drug expenses, rather than having one deductible for each. Similarly, the out-of-pocket limit combines medical and prescription expenses.

■ You may be eligible for a Dependent Care Flexible Spending Account (FSA) but not a Health Care FSA since you have access to an HSA.

■ For those located in the Columbia area, 90-day fills and refills are available at Mizzou pharmacies at the same cost as mail-order. Specialty medications must be filled through Accredo.

Deductibles and out-of-pocket limitsIn-network Out-of-network***

Combined medical and prescription deductible

$1,500/self$3,000/family*


Coinsurance 10% after deductible 30% after deductible

Combined medical and prescription out-of-pocket limit


$6,000 or more/self$12,000 or more/family*

* Only the individual or family amount must be satisfied, based on whether you choose self or family. ** 90-day fill/refill at Mizzou pharmacies at same cost as mail-order.*** Please refer to the Summary Plan Description for additional details on allowable/eligible expenses when using an out-of-network provider.

In-network services

Care CostPreventive

care $0

Primary care 10% after deductible

Specialist care

10% after deductible

Urgent care 10% after deductible

Lab and x-ray 10% after deductible

Outpatient care


Inpatient care (includes

maternity delivery)


Durable medical

equipment10% after deductible

Emergency room


Ambulance 10% after deductible

Prescription drug: RetailGreater of (after Rx deductible):

■ Formulary generic: 10% after deductible

■ Formulary brand: 10% after deductible

■ Non-formulary brand: 10% after deductible

Prescription drug: Mail**Greater of (after Rx deductible):

■ Formulary generic: 10% after deductible

■ Formulary brand: 10% after deductible

■ Non-formulary brand: 10% after deductible

NoteVisit umurl.us/benadmin to access provider directories for each plan. For medical insurance plans, navigate to “Medical” on the list and click “find a doctor”.

Healthy Savings Plan

Did you know? Virtual Visits allow you to connect with a doctor via video on your mobile device, tablet or computer without an appointment, any time. Learn more at umurl.us/virtualvis.

Facts and Tips

4

Employer contribution (by coverage level*):

■ Self: $400

■ Self and spouse: $800

■ Self and child(ren): $800

■ Self, spouse and child(ren): $1,200

*Contribution is prorated for enrollment after the first quarter. A change in coverage level during the plan year will not result in additional employer contributions. Visit umurl.us/hsa for additional information on HSAs.

Contribution limitsThe IRS contribution limits for Health Savings Account contributions are $3,550/self and $7,100/family.

Remember to reduce your own election by the amount the University will contribute to your account to avoid exceeding the limit.

NoteIf you are newly enrolled in the Healthy Savings Plan and chose to open a Health Savings Account, Optum Bank will send a welcome packet to your home address. In some cases, you may be required to submit additional information to establish your HSA.

Health Savings Account

If you enroll in the Healthy Savings Plan, you may be eligible to sign up for a Health Savings Account (HSA) through Optum Bank to help cover your health care expenses. To be eligible:

■ You may not be covered by another health plan. ■ You may not be enrolled in any part of Medicare. ■ You may not be claimed as a dependent on someone else’s tax return. ■ You or your spouse may not be enrolled in a general purpose Health Care Flexible Spending Account.

Visit umurl.us/hsa for more information on HSAs.

Getting funds into the accountYour employer’s annual contribution appears as a lump sum within 45 days of enrollment in most cases. For elections made during Annual Enrollment, your funds will appear by the end of January. These funds count toward the IRS annual maximum savings allowed for your coverage level*, and the amount contributed depends on the time of year you enroll.

■ If you are switching from a Health Care Flexible Spending Account (FSA) in 2019 to an HSA in 2020, your 2019 FSA must have a zero balance by December 31, 2019, or it will delay contributions to your HSA until April 1, 2020.

■ You can contribute pre-tax money until annual contributions reach the IRS maximum, although this is not required to receive your employer’s contribution. You can change your contributions at any time.

Spending funds from the account ■ You’ll receive a debit card for your HSA that you can use when paying for eligible expenses, and you can request additional cards for family members.

■ You can manage your HSA online to track and pay expenses. ■ If you don’t use the entire HSA balance during the calendar year, the money will roll over for use in future years.

■ If you switch health plans in future years or leave your job, all the HSA money goes with you as yours to keep, including the contributions by your employer (but you may need to pay a monthly fee on the account).

Facts and Tips

5

If your home address or official business unit is located in an eligible region around Columbia or St. Louis, the Custom Network Plan for the associated location is available to you. This plan features a focused, narrow network of providers who are working to improve the quality of your care and share savings and efficiencies with you when you stay in-network.

What’s the same in Columbia and St. Louis? ■ Once you meet your annual out-of-pocket limit, the plan pays 100% of eligible coinsurance and copayment expenses for the rest of the calendar year.

■ There’s no deductible for in-network services, but there is a small deductible for prescription medication.

■ You may enroll in two types of Flexible Spending Accounts (FSA): Health Care FSA and Dependent Care FSA. These accounts help you pay for medical or child care using pre-tax dollars; eligible expenses differ between the types.

Columbia

■ Your network consists primarily of providers affiliated with University of Missouri Health Care, with services such as:

◦ Virtual Visits: Connect with a doctor via video on your mobile device, tablet or computer for a $10 copay. Learn more at umurl.us/virtualvis. ◦ Mizzou Doc Fast Pass: Establish care with in-network primary care physicians/specialists or schedule same or next-day primary care by calling (573) 884-0432. ◦ Mizzou Quick Care: Visit an in-network quick care clinic for $10. Learn more at umurl.us/muquick. ◦ HEALTHConnect: A patient portal connects you to MUHC providers and services.

■ Mizzou pharmacy is the preferred network pharmacy for retail and 90-day prescriptions, but members have access to Express Scripts’ nationwide network. Participants may fill specialty medications through a Mizzou Specialty Pharmacy (www.muhealth.org/specialty-pharmacy) or Accredo.

St. Louis ■ Your network consists primarily of providers affiliated with Mercy Health System, with services such as:

◦ Mercy Care Management: Every provider and case manager is connected to the same electronic medical record, allowing for in-the-moment collaboration to ensure you get the right care at the right time. ◦ Virtual Visits: Connect with a doctor via video on your mobile device, tablet or computer for a $10 copay. Learn more at umurl.us/virtualvis. ◦ Nurse-On-Call: Connect with a nurse any time to get help making informed decisions about health needs.

■ Pharmacy coverage is provided by Express Scripts with access to pharmacies nationwide and mail order services. Specialty medications must be filled through Accredo.


Medical deductible $0 $500/self; $1,500/family*Prescription deductible Retail: $50/person; Mail: $0Coinsurance 0% 30% or more after deductible

Medical out-of-pocket limit $3,500/self; $7,000/family*

$10,500 or more/self; $21,000 or more/family*

Prescription out-of-pocket limit $4,650/self; $9,300/family*

* Self amounts must be satisfied for all individuals until family deductible is met. ** 90-day fill/refill at Mizzou pharmacies at same cost as mail-order.*** Please refer to the Summary Plan Description for additional details on allowable/eligible expenses when using an out-of-network provider.

Custom Network Plan

In-network services

Care CostPreventive

care $0

Primary care

$10 copay/visit

Specialist care

$30 copay/visit

Urgent care $50 copay/visit

Lab and x-ray $0

Outpatient care

$100 copay/visit

Inpatient care

(includes maternity delivery)

$300 copay/

confinement

Durable medical

equipment$0

Emergency room

$250 copay/visit

Ambulance$100

copay/ occurrence


■ Formulary generic: $7 copay or 20% coinsurance

■ Formulary brand: $15 copay or 25% coinsurance

■ Non-formulary brand: $30 copay or 50% coinsurance





6

You may be eligible for both the Custom Network Plan in Columbia and St. Louis (i.e., your official business unit is located in an eligible Columbia-area county but your home address is in an eligible St. Louis-area county, or vice versa). In this case, you may enroll in either of the two plans.

Note: The narrow network of providers for Columbia and St. Louis are different. A narrow network offers a smaller pool of in-network providers in exchange for decreased premium or service costs. You will only have in-network access to providers associated with the plan in which you enroll. That is, enrolling in the Columbia plan makes Columbia’s narrow network available to you, and enrolling in the St. Louis plan makes St. Louis’s network available to you.

Visit umurl.us/benadmin to access provider directories for each plan. For medical insurance plans, including the Custom Network Plan, navigate to “Medical” on the list and click “find a doctor” under the bullet point labelled “Provider directory”.

Counties with a custom networkColumbia-area plan:

■ Audrain (MO) ■ Cole (MO) ■ Moniteau (MO) ■ Boone (MO) ■ Cooper (MO) ■ Osage (MO) ■ Callaway (MO) ■ Howard (MO) ■ Randolph (MO)

St. Louis-area plan: ■ Franklin (MO) ■ St. Louis (MO) ■ Jersey (IL) ■ Gasconade (MO) ■ St. Louis City (MO) ■ Macoupin (IL) ■ Jefferson (MO) ■ Ste. Genevieve (MO) ■ Madison (IL) ■ Lincoln (MO) ■ Warren (MO) ■ Monroe (IL) ■ Montgomery (MO) ■ Washington (MO) ■ Montgomery (IL) ■ Pike (MO) ■ Bond (IL) ■ Pike (IL) ■ St. Charles (MO) ■ Calhoun (IL) ■ Randolph (IL) ■ St. Francois (MO) ■ Clinton (IL) ■ St. Clair (IL)

Facts and Tips

7

In-network servicesColumbia, Rolla and St. Louis

Care CostPreventive

care $0

Primary care

$20 copay/visit

Specialist care

$30 copay/visit

Urgent care

$50 copay/visit

Lab and x-ray

Applicable coinsurance^

after deductible

Outpatient care

$100 copay/visit

after deductible

Inpatient care

(includes maternity delivery)

$300 copay/ confinement

after deductible

Durable medical

equipment

Applicable coinsurance^

after deductible

Emergency room

$250 copay/visit

after deductible

Ambulance$100 copay/ occurrence

after deductible









The PPO Plan is available regardless of your location. It is a traditionally structured medical insurance plan with a broad network of providers. You pay deductibles for medical expenses and prescription drugs even if you use in-network services. This means, for most covered expenses, you’ll pay for expenses until you reach the annual deductible. Those who work for the University of Missouri-Kansas City (UMKC) business unit and enroll in the PPO Plan will automatically have access to an area-specific tiered feature that provides additional savings when using providers recognized as offering high-quality, cost-effective care.

About the plan ■ There are separate deductibles for in-network services and retail prescription drugs. ■ Once you meet your annual out-of-pocket limit, the plan pays 100% of expenses (including coinsurance and copayments) for the remainder of the calendar year.

■ Premiums are high, but the deductible is mid-range for health plans. ■ You can enroll in two types of Flexible Spending Accounts (FSA): Health Care FSA and Dependent Care FSA. These accounts help you pay for medical or child care using pre-tax dollars. Eligible expenses differ between the types.

■ For those in the Columbia area, 90-day fills/refills are available at Mizzou pharmacies at the same cost as mail-order. Participants may fill specialty medications through a Mizzou Specialty Pharmacy (www.muhealth.org/specialty-pharmacy) or Accredo.


Medical deductible

Kansas City and Rolla: $350/self coverage;

$1,050/family coverage*

Columbia and St. Louis: $500/self coverage;


Kansas City and Rolla: $700/self coverage; $2,100/

family coverage*

Columbia and St. Louis: $1,000/self coverage;


Prescription deductible Retail: $75/person; Mail-order: $0

^Coinsurance

Kansas City and Rolla: 0% coinsurance after deductible

Columbia and St. Louis: 10% coinsurance after deductible

Columbia, Kansas City, Rolla and St. Louis:

20% or more after deductible

Medical out-of-pocket limit $3,500/self; $7,000/family*

$10,500 or more/self; $21,000 or more/family*

Prescription out-of-pocket limit $4,650/self; $9,300/family*

* Self amounts must be satisfied for all individuals until family deductible is met. ** 90-day fill/refill at Mizzou pharmacies at same cost as mail-order.*** Please refer to the Summary Plan Description for additional details on allowable/eligible expenses when using an out-of-network provider.

PPO Plan

Facts and Tips

8

In-network servicesKansas City

Care CostPreventive

care $0

Primary care ♥♥

$10 copay/visit

Primary care ♥

$20 copay/visit

Specialist care ♥♥

$25 copay/visit

Specialist care ♥

$30 copay/visit

Urgent care

$50 copay/visit

Lab and x-ray

(designated network)

0% after deductible

Lab and x-ray

(network)


Outpatient care

(designated network)

$0 copay/visit after

deductible

Outpatient care

(network)


deductibleInpatient

care (includes

maternity delivery)

$300 copay/

confinement

Durable medical

equipment0% after

deductible

Emergency room


deductible

Ambulance

$100 copay/

occurrence after

deductible

NoteVisit umurl.us/benadmin to access provider directories for each plan. For medical insurance plans, navigate to “Medical” on the list and click “find a doctor”.

Kansas City tiered featureUMKC business unit participants have access to two tiers of providers within UHC’s Choice Plus Network.

■ Tier 1: Includes premium care physicians; providers rated as having two hearts (♥♥) by UHC because of their high-quality, cost-effective care. Utilizing this tier may help you lower costs for services.

■ Tier 2: Includes certain types of specialists; providers rated as having one heart (♥) by UHC; and providers who are unrated or do not meet the criteria for designation.

UMKC business unit participants who sign up for the PPO Plan enjoy savings when they use Tier 1 providers but will always have access to a broad network through Tier 2. Additionally, save when using non-hospital-affiliated, free-standing facilities, ambulatory surgical centers or physician offices (designated network) instead of outpatient hospital facilities (network) for services such as labs, x-rays, scans and outpatient surgery.

Did you know? Virtual Visits allow you to connect with a doctor via video on your mobile device, tablet or computer without an appointment, any time. Learn more at umurl.us/virtualvis.

Facts and Tips

9

Contribution limitsSet aside up to $2,700 per year in Health Care FSA contributions and up to $5,000 per household for Dependent Care FSA contributions.

NoteIf you do not use all your contributions within the plan year, you forfeit any money left in your account at the end of the year (no rollover). However, the Health Care FSA has a 2.5-month grace period, allowing additional time to spend your funds.

NoteIf you leave your employer, you are no longer eligible for the FSA and remaining funds in your account can only be used for eligible expenses incurred while you were enrolled in the plan.

Both a Health Care Flexible Spending Account (FSA) and a Dependent Care FSA may be available to you depending on your medical enrollment choices. You do not need to enroll in a medical plan to be eligible for a Health Care FSA; however, you cannot enroll if you (and/or your spouse) currently participate in a Health Savings Account (HSA). Any benefit-eligible employee can enroll in the Dependent Care FSA regardless of medical plan enrollment. ASIFlex (asiflex.com) administers both kinds of FSA.

More information about FSAs is available online at umurl.us/fsa.

About Health Care FSAsThe Health Care FSA is an account that allows you to set aside pre-tax dollars to pay for out-of-pocket medical expenses. Your full annual election is available to you on your first day of coverage, and you can submit reimbursement requests for eligible expenses immediately even though the money you set aside is deducted from each paycheck over the course of the year.

Use your FSA to reimburse health care expenses for you, your spouse or any tax dependent, even if your dependents are not enrolled in your UM medical, dental or vision plans. You may elect to use an ASIFlex debit card when making purchases with your Health Care FSA, providing flexibility and convenience.

About Dependent Care FSAsThe Dependent Care FSA allows you to use pre-tax dollars to pay for out-of-pocket childcare and/or elder care dependent expenses. A difference from the Health Care FSA is that any benefit-eligible faculty or staff member — regardless of the medical plan they are enrolled in — may also use a Dependent Care FSA for child/day care expenses. You must enroll in a Dependent Care FSA separately from a Health Care FSA.

Eligible expenses include day care, babysitting, general-purpose day camps and pre-K expenses. Ineligible expenses include overnight camps; care provided by your tax dependent, your spouse or your child who is under the age of 19; and care provided while you are not at work.

Getting funds into the account ■ You must enroll each year you wish to have an FSA (elections do not carry over from year to year).

■ You contribute your own pre-tax money to the FSA automatically through payroll deductions (up to the IRS maximum).

Spending funds from the account ■ If you are a new Health Care FSA enrollee, you will receive a welcome packet that provides instructions for applying for an ASIFlex debit card to pay for eligible expenses. Additional cards for other family members can be requested. You may also submit claims for reimbursement online, by fax or mail.

■ Manage your FSA online and instantly track expenses and account balances through the ASIFlex website. Flexminder, a feature on the website, connects your Health Care FSA to your insurance accounts and finds reimbursable expenses for you, which you can submit with a single click.

Flexible Spending Accounts

10

Premiums

DentalCoverage level Employee cost UM cost TotalSelf only $14.76 $14.76 $29.52Self and spouse $29.52 $29.52 $59.04Self and child(ren) $35.82 $35.82 $71.64Self, spouse, and children $50.58 $50.58 $101.16

VisionCoverage level Employee cost UM cost TotalSelf only $5.59 $0 $5.59Self and spouse $11.15 $0 $11.15Self and child(ren) $12.17 $0 $12.17

Self, spouse, and children $19.26 $0 $19.26

Accidental Death and Dismemberment (per amount listed)

Coverage amount Self Self and dependents$25,000 $0.35 $0.50$50,000 $0.70 $1.00$75,000 $1.05 $1.50$100,000 $1.40 $2.00$125,000 $1.75 $2.50$150,000 $2.10 $3.00

Basic Life (per $1,000 of coverage)

Plan type Employee cost UM cost TotalOption A $0 $0.046 $0.046Option B $0.022 $0.046 $0.068

Long Term Disability (per $100 of covered monthly salary)

Plan type Employee cost UM cost TotalCore Plan (Option A) $0 $0.136 $0.136

Buy-up Plan (Option B) $0.14 $0.136 $0.276

Monthly premiums are deducted during the month of coverage. Employees who are paid bi-weekly will have half the monthly premium deducted from their first two bi-weekly paychecks of the month.

Dependent Life Insurance- Child (per amount listed)

Coverage amount

$5,000 $0.32$10,000 $0.64$15,000 $0.96$20,000 $1.28$25,000 $1.60

Additional Life Insurance* (per $1,000 of coverage)

Age as of January 1 Amount

< 25 $0.05

25 – 29 $0.06

30 – 34 $0.08

35 – 39 $0.09

40 – 44 $0.10

45 – 49 $0.15

50 – 54 $0.23

55 – 59 $0.43

60 – 64 $0.66

65 – 69 $1.27

70 – 74 $2.06 - $2.76

75 – 79 $3.04 - $4.35

80 – 84 $4.74 - $6.87

85 – 89 $7.53 - $10.43

90 – 94+ $11.24 - $16.02

Dependent Life Insurance- Spouse/Sponsored Adult Dependent*(per $1,000 of coverage)

Age as of January 1

Amount

< 30 $0.064

30 – 34 $0.073

35 – 39 $0.10

40 – 44 $0.155

45 – 49 $0.228

50 – 54 $0.346

55 – 59 $0.537

60 – 64 $0.837

65 – 69 $1.32

70 – 74 $2.11

75 – 79 $3.449

80 – 84 $5.36

85 – 89 $8.399

90+ $12.977

Coverage amounts: $10,000, $20,000, $30,000, $40,000, $50,000

Healthy Savings PlanCoverage level Employee cost UM cost TotalSelf only $44 $445 $489Self and spouse $154 $873 $1,027Self and child(ren) $129 $798 $927Self, spouse, and children $254 $1,264 $1,518

Custom Network PlanCoverage level Employee cost UM cost TotalSelf only $83 $487 $570Self and spouse $231 $965 $1,196Self and child(ren) $200 $880 $1,080

Self, spouse, and children $365 $1,404 $1,769

PPO PlanCoverage level Employee cost UM cost TotalSelf only $171 $657 $828Self and spouse $411 $1,328 $1,739Self and child(ren) $366 $1,203 $1,569Self, spouse, and children $629 $1,939 $2,568

*Evidence of insurability may be required. Visit umurl.us/life for more information.

11

Medical Plan Comparison Chart What you pay for covered expenses in 2020

HEALTHY SAVINGS PLAN CUSTOM NETWORK PLAN PPO PLANIn-network Out-of-network** In-network Out-of-network** In-network Out-of-network**

DED

UC

TIB

LES

Medical deductible $1,500/self coverage

$3,000/family* coverage (combined)

$3,000/self coverage$6,000/family* coverage

(combined)

$0 $500/self coverage$1,500/family* coverage


$1,050/family coverage*Columbia and St. Louis:

$500/self coverage; $1,500/family coverage*


$2,100/family coverage*Columbia and St. Louis: $1,000/self coverage;


Prescription deductible

Retail: $50/personMail-order: $0/person




SERV

ICES

Preventive care $0 30% or more after deductible $0 30% or more after

deductibleKC tiered feature Tier 1 (♥♥) Regular network / KC tiered feature Tier 2 (♥) 20% or more

after deductible$0 $0

Primary care 10% after deductible 30% or more after deductible $10 copay/visit 30% or more after

deductible $10 copay/visit $20 copay/visit 20% or more after deductible

Specialist care 10% after deductible 30% or more after deductible $30 copay/visit 30% or more after


Urgent care 10% after deductible 30% or more after deductible $50 copay/visit $50 copay/visit

or more $50 copay/visit $50 copay/visit 20% or more after deductible

Lab and x-ray 10% after deductible 30% or more after deductible $0 30% or more

after deductibleApplicable coinsurance

after deductible^Applicable coinsurance

after deductible^20% or more

after deductible

Outpatient care 10% after deductible 30% or more after deductible $100 copay/visit 30% or more

after deductible $0 copay/visit after deductible $100 copay/visit after deductible 20% or more after deductible

Inpatient care (includes maternity delivery) 10% after deductible 30% or more

after deductible $300 copay/confinement 30% or more after deductible

$300 copay/confinement after deductible



Durable medical equipment 10% after deductible 30% or more

after deductible $0 30% or more after deductible

Applicable coinsuranceafter deductible^



Emergency room care 10% after deductible 10% or more

after deductible $250 copay/visit $250 copay/visit or more

$250 copay/visit after deductible

$250 copay/visit or moreafter deductible

Ambulance 10% after deductible 10% or more after deductible $100 copay/occurrence $100 copay/occurrence

or more$100 copay/occurrence

after deductible$100 copay/occurrence or more after deductible

Rx

Prescription drug: Retail � Formulary generic � Formulary brand �Non-formulary brand

10% after deductible 30% or more after deductible

Greater of (after Rx deductible): � $7 copay/20% coinsurance � $15 copay/25% coinsurance � $30 copay/50% coinsurance

Greater of (after Rx deductible): � $30 copay or 50%

network costs after annual deductible****

Greater of (after Rx deductible): � $7 copay or 20% coinsurance � $15 copay or 25% coinsurance � $30 copay or 50% coinsurance



Prescription drug: Mail*** � Formulary generic � Formulary brand �Non-formulary brand


Greater of: � $15 copay/20% coinsurance � $30 copay/25% coinsurance � $60 copay/50% coinsurance

Greater of: � $30 copay or 50%


Greater of: � $15 copay or 20% coinsurance � $30 copay or 25% coinsurance � $60 copay or 50% coinsurance



OU

T-O

F-PO

CK

ET**

Medical plan out-of-pocket limit


(combined)

$6,000 or more /self coverage

$12,000 or more /family* coverage

(combined)







Prescription drug out-of-pocket limit


$4,650/self coverage$9,300family* coverage

12

What you pay for covered expenses in 2020HEALTHY SAVINGS PLAN CUSTOM NETWORK PLAN PPO PLAN

In-network Out-of-network** In-network Out-of-network** In-network Out-of-network**

DED

UC

TIB

LES

Medical deductible $1,500/self coverage

$3,000/family* coverage (combined)


(combined)

$0 $500/self coverage$1,500/family* coverage


$1,050/family coverage*Columbia and St. Louis:

$500/self coverage; $1,500/family coverage*


$2,100/family coverage*Columbia and St. Louis: $1,000/self coverage;


Prescription deductible





SERV

ICES

Preventive care $0 30% or more after deductible $0 30% or more after

deductibleKC tiered feature Tier 1 (♥♥) Regular network / KC tiered feature Tier 2 (♥) 20% or more

after deductible$0 $0

Primary care 10% after deductible 30% or more after deductible $10 copay/visit 30% or more after


Specialist care 10% after deductible 30% or more after deductible $30 copay/visit 30% or more after


Urgent care 10% after deductible 30% or more after deductible $50 copay/visit $50 copay/visit

or more $50 copay/visit $50 copay/visit 20% or more after deductible

Lab and x-ray 10% after deductible 30% or more after deductible $0 30% or more

after deductibleApplicable coinsurance

after deductible^Applicable coinsurance

after deductible^20% or more

after deductible

Outpatient care 10% after deductible 30% or more after deductible $100 copay/visit 30% or more

after deductible $0 copay/visit after deductible $100 copay/visit after deductible 20% or more after deductible

Inpatient care (includes maternity delivery) 10% after deductible 30% or more

after deductible $300 copay/confinement 30% or more after deductible




Durable medical equipment 10% after deductible 30% or more

after deductible $0 30% or more after deductible




Emergency room care 10% after deductible 10% or more

after deductible $250 copay/visit $250 copay/visit or more

$250 copay/visit after deductible

$250 copay/visit or moreafter deductible

Ambulance 10% after deductible 10% or more after deductible $100 copay/occurrence $100 copay/occurrence

or more$100 copay/occurrence

after deductible$100 copay/occurrence or more after deductible

Rx

Prescription drug: Retail � Formulary generic � Formulary brand �Non-formulary brand


Greater of (after Rx deductible): � $7 copay/20% coinsurance � $15 copay/25% coinsurance � $30 copay/50% coinsurance



Greater of (after Rx deductible): � $7 copay or 20% coinsurance � $15 copay or 25% coinsurance � $30 copay or 50% coinsurance



Prescription drug: Mail*** � Formulary generic � Formulary brand �Non-formulary brand


Greater of: � $15 copay/20% coinsurance � $30 copay/25% coinsurance � $60 copay/50% coinsurance



Greater of: � $15 copay or 20% coinsurance � $30 copay or 25% coinsurance � $60 copay or 50% coinsurance



OU

T-O

F-PO

CK

ET**

Medical plan out-of-pocket limit


(combined)



(combined)







Prescription drug out-of-pocket limit


$4,650/self coverage$9,300family* coverage

*Considerations for “self” and “family” are different for the Healthy Savings Plan than for the Custom Network Plan and PPO Plan. See the glossary (umurl.us/glossary) for details.

**Refer to the Summary Plan Description (SPD) for additional details on allowable and eligible expenses when using an out-of-network provider.

***90-day fill/refill at Mizzou pharmacies at same cost as mail-order.

****Member will be required to pay the difference between non-participating pharmacy and participating pharmacy charge.

^Columbia and St. Louis:In-network• 10% coinsurance

Kansas City:In-network• 0% after deductible:

Tier 1 providers; all durable medical equipment; services obtained at free-standing facilities, ambulatory surgical centers and physician offices

• 10% after deductible:Tier 2 providers; services obtained at outpatient hospital facilities

Rolla:In-network• 0% coinsurance

Notes

Facts and Tips

13

NoteServices listed here describe eligible dental expenses; orthodontics are not an eligible expense. Reimbursements are limited to fees determined to be reasonable and customary.

NoteVisit umurl.us/benadmin to access provider directories for each plan. Dental plan information is listed under “Dental”.

Dental insurance is administered by Delta Dental and is available to you regardless of your location. Coverage is offered for three classes of reasonable and customary expenses: preventive, basic and major services. Dental coverage has a maximum annual benefit of $1,500 for each individual enrolled in the plan. This cap is for preventive, basic and major care combined. Learn more about dental insurance at umurl.us/dental.

Services and coverageService CoverageClass A servicesPreventive care for routine oral exams, cleaning, x-rays, sealants and fluoride

100% (no deductible)

Class B servicesBasic care for treatments such as fillings, oral surgery and extractions

80% after annual deductible

Class C servicesMajor treatment such as bridgework, dentures and crowns 50% after annual deductible

About the networkThe University dental plan utilizes a passive network, which means you have the ability to receive services from network or non-network providers. No matter your provider, your deductible and coinsurance remain the same as long as charges are reasonable and customary. However, using either of Delta Dental’s two networks, PPO or Premier, may help you achieve more affordable services. The Delta Dental PPO Network offers the lowest negotiated services, often resulting in the greatest savings.

Deductible by coverage levelCoverage level DeductibleSelf $100

Self, spouse and/or child(ren) $300

Dental

Facts and Tips

14

Frequency ■ Examination: Once every 12 months

■ Lenses (in lieu of contact lenses): Once every 12 months

■ Contact lenses (in lieu of lenses): Once every 12 months

■ Frames: Once every 24 months

Non-insurance discountsEyeMed also offers discounts to University employees not enrolled in vision insurance. Learn more at umurl.us/healthtool.

Hearing supportEyeMed members have access to hearing care discounts through Amplifon. Call (888) 407-7177 to find a provider and activate your discount.

NoteVisit umurl.us/benadmin to access provider directories for each plan. Vision plan information is listed under “Vision”.

Vision insurance is administered by EyeMed Vision Care (EyeMed) and utilizes the Insight network. The plan provides a discounted group rate; that discounted group rate is available at all locations where EyeMed is accepted. The plan does not have a deductible and offers coverage for a number of eye care expenses, some of which are outlined in the table below. Charges on amounts over the indicated limits or on optional features are discounted. Learn more about vision insurance at umurl.us/vision.

Services and coverageService CoverageEye exam(with dilation as necessary) $10 copay

Frames(any available at provider location) $0 copay; $140 allowance, 20% off balance over $140

Contact lens fitting and follow-upStandard: Up to $40 maximumPremium: 10% off retail

Contact lenses (allowance includes materials only)

Conventional: $0 copay, $140 allowance, 15% off balance over $140Disposable: $0 copay, $140 allowance, plus balance over $140Medically necessary: $0 copay, paid-in-full

Standard plastic lenses

Single, bifocal, trifocal and lenticular: $25 copayStandard progressive: $80 copayPremium progressive (tier 1): $100 copayPremium progressive (tier 2): $110 copayPremium progressive (tier 3): $125 copayPremium progressive (tier 4): $80 copay, 20% off retail less $120 allowance

Covered lens options (standard polycarbonate under age 19) $0 copay

Vision

15

Facts and TipsFor the 2020 plan yearFor the 2020 plan year, current faculty and staff can add or increase coverage in Basic Life, Long Term Disability and Additional Life (up to 1x annual base salary) during their annual enrollment period without evidence of insurability.

Most years, this option is only available to new faculty and staff. Learn more at umurl.us/newadmin.

About premiums ■ Premiums for additional and spouse/sponsored adult dependent life coverage vary by age.

■ Premiums for Accidental Death and Dismemberment coverage vary by coverage amount and coverage level.

■ Review premiums specific to your situation by accessing the premiums chart in this guide.

Employees have several options for life insurance to help give peace of mind. The Basic Life plan is available at no cost to you. Other plan options are also available — the University does not subsidize premiums for these plans, but negotiates to offer them at a reduced cost. Unum administers all Life, Long Term Disability and Accidental Death and Dismemberment insurance options. You must be actively at work on the effective date of coverage. Otherwise, coverage will begin when you return to active work.

Life ■ Basic Life: You are automatically enrolled in Option A of the Basic Life Plan because it is 100% employer paid. You may opt out of this coverage if you wish. Option A covers 1x your annual base salary. Option B covers 2x your annual base salary. With both options, coverage amount begins to decrease once you reach age 55. Evidence of insurability is usually required to increase your coverage level after 31 days of initial eligibility.

■ Additional Life: This plan was called Supplemental Life in previous years. You may enroll in coverage at 1x, 2x or 3x your annual base salary to a maximum of $1,000,000. Evidence of insurability is required if enrolling in 2x or 3x coverage after 31 days of initial eligibility.

■ Dependent Life: For Spouse/Sponsored Adult Dependent life insurance, coverage is available in increments of $10,000 up to a maximum of $50,000. For Dependent Child life insurance, coverage is available in increments of $5,000 up to a maximum of $25,000. Evidence of insurability is required for amounts above $20,000 for spouse/sponsored adult dependent and for any amount when a new election or change is made after 31 days of initial eligibility.

More information about life insurance is available online at umurl.us/life.

Long Term Disability ■ Core Plan (Option A): The Long Term Disability (LTD) Core Plan (Option A) is 100% paid by your employer, and you are automatically enrolled. The Core Plan (Option A) covers up to 60% of eligible earnings. The maximum annual base salary covered is $150,000. If you wish to opt out of this coverage, you must contact your HR representative to complete a separate form.

■ Buy-up Plan (Option B): The Buy-up Plan (Option B) covers up to 66.67% of your eligible earnings for a small premium (per $100 of monthly income). The maximum annual base salary covered is $150,000.

In addition, some employees are eligible for Supplemental Individual Disability (IDI). If you are eligible, Unum will contact you directly during a separate enrollment period each year; you will not enroll in this plan during the regular annual enrollment period. IDI is a completely voluntary plan offered to highly-compensated faculty and staff. It can help replace up to 75% of your income if you have a covered disabling illness or injury.More information is available online at umurl.us/LTD.

Accidental Death and DismembermentAccidental Death and Dismemberment (AD&D) insurance is available in increments of $25,000 up to a maximum of $150,000. You may also purchase coverage for your family as a percentage of your own coverage. The plan is 100% paid by you. Learn more by visiting umurl.us/add.

Life, Long Term Disability and Accidental Death and Dismemberment

16

Once you’ve decided which insurance plans are best for you, enroll through myHR (myhr.umsystem.edu). If you are a newly benefit-eligible faculty or staff member, you must take action during your initial enrollment period, even if your decision is to waive coverage for one or all of the plans offered. If you fail to do so, you will default to self-only coverage in the Healthy Savings Plan and pay taxes on your premiums.

If you are a current faculty or staff member, Annual Enrollment provides you an opportunity to review and change your benefits for the following calendar year. Review your current benefit plan elections in myHR, including enrolled dependents and designated beneficiaries, and make changes as necessary during the Annual Enrollment period. If you do not make changes to your elections, your current enrollments will continue into the new calendar year except for Flexible Spending Accounts (FSAs). You must re-enroll in health care and dependent care FSAs each year.

Get ready ■ Prepare to enroll your dependents.

◦ New dependents: In myHR, you will need to specify any spouse, sponsored adult dependent or child you want to cover in each plan. You’ll need names, dates of birth and Social Security numbers for any new dependents. ◦ Proof of Relationship: Proof of Relationship (POR) is required in order to enroll new dependents. Once your plan choices are submitted, submit supporting documentation to the HR Service Center or your campus HR Generalist within the required time frame. Learn more at umurl.us/proof.

■ Select pre-tax vs. after-tax elections. Where pre-tax is an option, you’ll need to know whether you want to enroll in a plan on a pre-tax or after-tax basis. Premiums are deducted from your paycheck automatically, and selecting pre-tax or after-tax determines the order in which taxes and premiums are deducted. Learn more at umurl.us/research.

Submit your choices1. You are not done with enrollment until you click the “submit” button and see a confirmation screen. You can make plan

changes only during your enrollment period.2. Open your internet browser and navigate to myhr.umsystem.edu (Firefox or Chrome recommended). Log in with your

username and password. Click “Sign In.”3. Click the “Benefits” tile. Then, to access the self-service application, select “Benefits Enrollment” under the “myTotal

Rewards” menu on the left side of the screen. 4. Follow the instructions on your screen to select and submit your plan choices or waive coverage.5. A confirmation screen appears when your enrollment has been submitted successfully. Print this screen for your records.

An email confirmation with your enrollment information will be sent to your university email account.

Need assistance? As you’re reviewing the plans available to you, be sure to compare your options. You can book a one-on-one appointment with your campus HR Generalist to get personalized assistance for all your insurance and enrollment questions. More information is available at umurl.us/cbr.

For additional assistance, contact the HR Service Center by phone at (573) 882-2146 or toll-free (800) 488-5288, or via email at [email protected]. Learn more at umurl.us/hrsc.

Enroll in myHR

16

17

Watch the mail for important documents ■ New ID cards: Make sure you show your provider your new card(s) at the time of service; benefits are effective even if you haven’t received your cards yet.

◦ Medical/Prescription: You will receive a single ID card only if you are newly enrolled or have changed plans. ◦ Dental: You will receive an ID card in the subscriber’s name only if you’re newly enrolled. ◦ Vision: You will receive an ID card in the subscriber’s name only if you’re newly enrolled.

■ HSA paperwork: If you are newly enrolled in the Healthy Savings Plan and chose to open a Health Savings Account, Optum Bank will send a welcome packet to your home address. In some cases, you may be required to submit additional information to establish your HSA.

Make the most of your health insurance Preventive services let you take charge of your health and stop problems before they start. If you enroll in medical insurance, in-network preventive care is covered at 100%. Preventive care includes annual physical exams, immunizations and well-child care that is unrelated to a medical diagnosis. A list of what is considered preventive under Health Care Reform/ACA is available on healthcare.gov or uhcpreventivecare.com.

With vision insurance, annual eye exams are offered with a small copay. Generally speaking, if you’re enrolling in the dental plan, routine oral exams are covered completely, but it’s always a good idea to check with your provider. Find in-network dentists in your area through Delta Dental.

Contact information for all insurance administrators is available at umurl.us/benadmin.

Choose the right type of care Making an informed decision about your health care needs can save you time and money, but when you are ill or injured, assessing your condition and choosing the best place to go for treatment isn’t easy. You have many care options, but each is unique in the services it provides:

■ Primary care physician: Visit your primary care physician when you have a non-life threatening condition during regular hours of the work week or if you don’t need immediate attention. It’s always best to see your primary care physician since they know you and your health history. Examples include persistent cough, sore throat or rash.

■ Convenience care clinic: When you experience symptoms as noted above, but it’s after hours or on a weekend, a convenience care clinic can be a good option. Convenience care clinics are typically available in local retail or drug stores and usually have extended hours on weekdays and weekends.

■ Virtual visits: No matter when or where you need care, virtual visits can connect you with a doctor through video chat on your mobile device, tablet or computer. Virtual visits are best for getting care in non-emergency situations that don’t require hands-on assessment or tests. For example, colds, fevers, migraines or allergies. In most cases, you’ll have the opportunity to get a diagnoses and prescription (if needed) in 20 minutes or less. Learn more at umurl.us/virtualvis.

■ Urgent care clinic: Urgent care clinics are an appropriate choice when you have an unexpected illness or injury that requires immediate attention but is not necessarily life-threatening. These clinics offer many resources to treat a wound or injury and will often do so immediately. Examples include a cut that might need stitches or a sprained ankle.

■ Emergency room: Seek an emergency room when an illness or injury is very serious or life-threatening. In most cases, you will know the condition is serious, sudden and/or requires immediate attention. If you are unable to get to an emergency room, call 9-1-1 for assistance. Examples include broken bones with deformed appearances, head trauma, drug or alcohol overdoses or severe cuts or burns.

After You Enroll

18

The UM System offers benefits that extend well beyond your insurance options and focus on helping you further your education and support the personal health and well-being for you, your family, your friends and your community.

Tuition AssistanceIf you meet educational assistance eligibility requirements, 75% of tuition and supplemental fees can be waived for college-level credit courses up to the allotted course limit. After you have one year of continuous full-time service in a fully benefit-eligible position, your spouse and/or dependent may also be eligible to have 50% tuition waived for UM System college-level credit courses up to the allotted limit. Learn more at umurl.us/tuition.

If you’re a veteran of the U.S. Armed Forces, consult your campus veteran services office to learn more about special programs and tuition benefits available only to veterans.

Employee Assistance ProgramAll employees and their immediate family members — regardless of eligibility for other benefits — have access to free, confidential help for personal or professional challenges. Learn more at umurl.us/EAP.

Shared Leave ProgramThe Shared Leave Program allows employees to donate accrued vacation leave benefits to colleagues in need. Donated hours are pooled and used to provide additional paid leave benefits to eligible employees who have experienced certain catastrophic events personally or within their family and have exhausted other sources of paid leave. If you are interested in donating time or wish to apply, learn more about eligibility and the donation or application process at umurl.us/shrdleave.

Take Advantage of Other Benefits

18

19

Many decisions you make during your working years can have a significant impact on your retirement; it is never too early or too late to take action and plan ahead. Here are a few important tips to remember when considering your planning strategies:

■ Understand your plan: The UM System has Core Retirement Plans and the plan you’re eligible for depends on your benefit eligibility and hire status. More information is available at umurl.us/retplans.

■ Name beneficiaries: It is important to name beneficiaries, those you intend to inherit your retirement benefit in the event of your death, for all your retirement plans. If you haven’t named beneficiaries or need to update your current beneficiaries, visit umurl.us/retplans for more information.

Voluntary Retirement PlansAll UM System faculty and staff, regardless of hours or benefit eligibility, have the ability to participate in the UM System Voluntary Retirement Plans. To learn more about available plans, visit umurl.us/retplans.

Retirement Planning

19

Facts and Tips

20

** Health information you provide as part of the incentive program is stored in a third-party data system maintained by Cerner Corporation and protected by the Health Insurance Portability and Accountability Act (HIPAA). Information is not shared with UHC, your medical administrator. Data is de-identified and accumulated to provide collective information that assists your employer in developing programs to address general health behaviors and prevalent health issues. Read the UM System Notice of Privacy Practices at umurl.us/notices for details.

HealthyNow AppCerner’s mobile app, HealthyNow, is the mobile compliment to the Cerner Wellness Health Portal. Access your Wellness Incentive information on the go, log incentive points, and take advantage of the informational resources at your fingertips. Visit umurl.us/incentive for instructions on downloading.

The UM System Wellness Incentive promotes employee wellness by offering incentive money to eligible employees who take steps to live a healthier lifestyle.

Running from November 1, 2019, to September 30, 2020, the Wellness Incentive can help you achieve continuous progress and target wellness areas that matter to you. Once you elect a medical plan choice, you will be eligible to participate in the $450 Wellness Incentive.

For additional information about the Wellness Incentive, or if you’re ready to get started, visit umurl.us/incentive.

A two-cycle incentive structureThe Wellness Incentive will award two $225 incentives, one for each cycle completed. Even if you don’t complete Cycle 1, you can still move toward wellness — and toward an incentive payout — during Cycle 2. Incentive earnings are taxed just like other earnings. Voluntary retirement contributions, if applicable, are deducted as well.

Programs to target your needsEach person’s “most well” is reached by a different path, so you’ll have the opportunity to pick and choose the steps you take to earn your incentives once Cycle 1 opens in November**.

EligibilityAny faculty or staff member may participate in Wellness Incentive activities, but only an employee who (1) is in active primary status, (2) is at least .75 FTE, and (3) pays premiums for a UM medical insurance plan (i.e., primary subscriber, rather than a spouse/partner being the primary subscriber) can earn incentive money.

AccommodationsWe offer alternatives to employees with health conditions or disabilities that make it unreasonably difficult (or medically inadvisable) to attempt to meet a standard in a wellness program. Email [email protected] to discuss the alternatives available to you.

Wellness Incentive

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