2015 BENEFITS ANNUAL ENROLLMENT Wednesday, October 8 to Friday, October 17.

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Presentation transcript:

2015 BENEFITS ANNUAL ENROLLMENT Wednesday, October 8 to Friday, October 17

Mandatory Enrollment Must enroll in the following to have coverage in 2015: Dental Flexible spending accounts Medical Health savings accounts Vision

Optional Enrollment You do not need to enroll in the following unless you wish to make a change: Dependent life Optional life Short Term Disability

No changes No change to design or pricing: Dental Dependent life insurance Flexible spending accounts Optional life insurance Short term disability Vision

Medical Plans for 2015 Changes: POSHMOHDHP DesignYesNoYes Rx Covered drugsYes No PA, QL, STYes PricingYes No

POS Design Changes Annual Expenses Deductible Individual Family $ 750 $1,500 $1,000 $2,000 Coinsurance20%No change Coinsurance Maximum Individual Family $3,000 $6,000 No change Out of Pocket Maximum Individual Family $3,750 $7,500 $4,000 $8,000

HDHP Design Changes Annual Expenses Deductible Individual Family $2,500 $5,000 No change CoinsuranceNot applicable10% Coinsurance Maximum Individual Family Not applicable$1,500 $3,000 Out of Pocket Maximum Individual Family $2,500 $5,000 $4,000 $8,000

Health Savings Account Maximums NKU$ 625No change EE <55$2,675$2,725 EE 55+$3,675$3,725 NKU$1,250No change EE+1<55$5,300$5,400 EE+1 55+$6,300$6,400

Pricing Changes NKU beginning move to provide same subsidy for all options. POS is ‘richest’ coverage and will be highest cost HMO network results in more modest price increase HDHP plan design changes allow for no cost increase

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