2006 UPlan Open Enrollment for calendar year 2007

Open Enrollment Basics

Human Resources Office of What is Open Enrollment? Your annual chance to review your benefit elections November 1 – November 30 of each year Most employee changes made on-line at: Same sex domestic partner applications done by paper – not available online at this time Additional information on Employee Benefits website at:

Human Resources Office of What benefits can I change? Add or cancel Medical, or change plan options Add or cancel Dental, or change plan options Add, change, or cancel your dependents

Human Resources Office of What benefits can I change? Elect to participate in the Health Care and /or Dependent Care Flexible Spending Account New election required each year Elect to participate in Voluntary Long Term Disability coverage for Civil Service and Represented employees, or change your LTD benefit amount

Human Resources Office of What if I don’t want to change anything? You don’t need to go on-line and change your elections unless you’re an FSA participant and want to continue for 2007 if you only want to change clinics, call your health plan directly 2006 is a voluntary open enrollment – no changes required

Human Resources Office of Will I get new cards for 1/1/2007? You will receive a new card if you enroll in a new plan These plans will issue new cards: All Medica Plans HealthPartners U Classic Plus Medical Plan Delta Dental Plans These plans will not issue new cards RxAmerica HealthPartners Dental Plan

Human Resources Office of When are the Benefits Fairs? UMD – November 2 - Kirby Student Center St. Paul – November 8 – St. Paul Student Center Minneapolis – November 9 – Coffman Memorial Union – Great Hall All Fairs run from 10 a.m. to 3 p.m.

Human Resources Office of Where can I get a flu shot? Free Flu Shots at all Benefit Fairs Other Flu Shot clinics at all campuses No copay for flu shots at MinuteClinic No copay for flu shots at your own medical clinic

2007 Medical Plan Options

Human Resources Office of Are the same Medical Plans available? Yes, all options remain the same as in 2006 The base plan choices are: Medica Elect / Essential for Twin Cities and Duluth Medica Choice Regional for Greater Minnesota

Human Resources Office of Are the same Medical Plans available? All other plans also remain the same: U Classic Plus by HealthPartners Insights by Medica (tiered network) Medica Choice National (open network) Medica Direct Health Reimbursement Account (HRA) Medica Direct Health Savings Account (HSA)

Human Resources Office of Are there changes within any of the Medical Plans? Most plans remain the same Changes are: New Travel Benefit for Base Plans and Insights by Medica Copay Increases for Insights by Medica Medica Direct HRA / HSA Program Improvements

Human Resources Office of How does the new Travel Benefit work? New Travel Benefit added to: Medica Elect and Essential Medica Choice Regional Insights by Medica U Classic Plus by HealthPartners Note: National coverage already available in Medica Choice National and Medica Direct HRA / HSA Plans

Human Resources Office of How does the new Travel Benefit work? Provides in-network coverage for travelers and out of area students. Permanent residence must be in MN or surrounding states Must use network providers: Contact your plan, either online or by phone, to determine which providers you may use. Medica’s network excludes certain providers

Human Resources Office of What are the new copayments for Insights? Medica Insights Copay increases needed for Medica Insights to keep rates affordable Tier I$10$15 Tier II$25$30 Tier III$40$50

Human Resources Office of What are the improvements in the Medica Direct HRA / HSA Plans? Medica Direct HRA & HSA Plans improved for 2007 University’s contribution to HRA / HSA Accounts increased:  Employee Only - $500 to $1000  Family Coverage - $1,000 to $2,000 HSA coinsurance reduced from 20% to 10%

Human Resources Office of What are the improvements in the Medica Direct HRA / HSA Plans? HRAHSA Deductible$2,000 ee only $4,000 family ($2,000/person) $2,500 ee only $5,000 family ($2,500/person) Coinsurance after deductible is met 10% in network 30% out of network 10% in network 30% out of network Out of Pocket Max$3,000 ee only $6,000 family ($3,000/person) $3,500 ee only $7,000 family ($3,500/person) HSA Contribution$1,000 ee only $2,000 family $1,000 ee only $2,000 family

2007 Medical Plan Rates

Human Resources Office of 2007 Medical Rates – Employee Only

Human Resources Office of 2007 Medical Rates – Employee + Spouse or Same Sex Domestic Partner

Human Resources Office of 2007 MedicalRates – Employee and Child / Children

Human Resources Office of 2007 Medical Rates – Employee and Spouse / SSDP + Child / Children

UPlan Pharmacy Program

Human Resources Office of Does the UPlan Pharmacy Program have any changes for 2007? No, RxAmerica will continue as the pharmacy benefit manager for all UPlan Medical options in January, Rx copays will remain the same for 2007 for all plans except the Medica HRA/HSA’s Generic Plus $10 Formulary Brand $20 Non- Formulary $35

Human Resources Office of What else should I know about the UPlan Pharmacy Program? If you or your doctor request that you take a brand drug when a chemically equivalent generic is available, you pay the Generic Plus copay + the difference between the cost of the generic and brand drugs, unless you have a prior authorization in place.

Human Resources Office of Where do I find the RxAmerica formulary? RxAmerica’s website also includes: Pharmacy locator Copay finder Your claims history Mail order information Formulary and drug information

Dental Program Changes

Human Resources Office of Are there any changes in the Dental Plans for 2007? Open enrollment – changed from alternate years to annual, beginning in 2006 Plan benefits will not change

Human Resources Office of Are there any changes in the Dental Plans for 2007? New names for Delta Dental options Networks remain the same with typical minor changes in providers No changes in names for HealthPartners Dental options Delta Preferred Option Delta Dental PPO Delta Preferred Option / Delta Premier Delta Dental Premier University Choice

2007 Dental Plan Rates

Human Resources Office of 2007 Dental Rates – Employee Only

Human Resources Office of 2007 Dental Rates - Employee + Spouse/SSDP

Human Resources Office of 2007 Dental Rates – Employee + Child/Children

Human Resources Office of 2007 Dental Rates – Employee and Spouse/SSDP + Child/Children

Flexible Spending Accounts Health Care and Dependent Care

Human Resources Office of What do I need to know about Flexible Spending Accounts for 2007? The UPlan includes: Healthcare Flexible Spending Account Dependent Care Flexible Spending Account Your contributions to both accounts are made with pre-tax dollars No Federal, state, or Social Security taxes You must re-enroll in the FSA Program to participate in 2007

Human Resources Office of What do I need to know about Flexible Spending Accounts for 2007? Health Care or Dependent Care FSAs Minimum - $100 Maximum - $5,000 Dependent care maximum per family - $5,000

Human Resources Office of What do I need to know about Flexible Spending Accounts for 2007? 2007 Contributions are made during the calendar year 2007 Claims can be incurred between 1/1/2007 and 3/15/2008 “Use it or lose it” Any amount remaining after 3/15/2008 is forfeited Note: 2006 Claims can be incurred through 3/15/2007

Disability Coverage

Human Resources Office of Are there any changes in Voluntary Disability coverage? Effective 1/1/2007 Voluntary Short and Long Term Disability coverage will move: Standard Insurance Company  Well-respected Disability Insurance carrier  Located in Portland, Oregon  Founded in 1906

Human Resources Office of Are there any changes in Voluntary Disability coverage? Benefits remain the same Employees with coverage now will automatically transfer to Standard Insurance Company Employees out on disability will remain with the current carrier All STD and LTD rates will be reduced!

Human Resources Office of Can I enroll in Long Term Disability during Open Enrollment? Civil Service / Represented Employees may enroll in Long Term Disability coverage during open enrollment Pre-existing Condition Limit: Disabilities related to medical issues occurring during 2006 will not be covered for 24 months

Human Resources Office of Can I enroll in Short Term Disability during Open Enrollment? You can enroll or increase your Short Term Disability coverage at any time. New STD enrollments or increases in coverage will require proof of good health If interested, contact Employee Benefits for a paper application, and instructions for providing health information Changes effective 1/1/07 or later

Human Resources Office of Are there changes to the Faculty Income Protection Program? FIP is renamed the Academic Disability Program. Changes from Minnesota Life to The Standard effective 1/1/2007 All coverage automatically transfers Additional information will be sent to covered Faculty and P&A members

Human Resources Office of Will the claims process change? New telephonic claims filing process begins 1/1/2007 No forms to complete for disability claims Medical information goes directly to The Standard, not through your department FMLA claims are still filed with your department

Life & Long Term Care Insurance

Human Resources Office of When can I change my Life Insurance? Life Insurance Additional Life Insurance can be increased or decreased at any time during the year Contact Employee Benefits for a paper application Proof of good health will be required for any increases

Human Resources Office of Are there any changes for Long Term Care Insurance? Long Term Care Insurance Coverage will change from CNA to John Hancock, effective 4/1/2007 New program will include:  Improved benefits  Lower rates for many participants  Expanded eligibility  Guaranteed issue coverage for all active employees Detailed information will be provided beginning in January

UPlan Wellness

Human Resources Office of What’s new for UPlan Wellness? 10,000 Steps Available to all U of M employees  + Spouses/SSDPs and Early Retirees on UPlan  Enroll by 12/31/2006  Complete in 2006 or 2007 Free pedometer, on-line step tracking Motivational messages Employees enrolled in the UPlan who have not received a second $65 reward can earn their reward for completing 10,000 Steps

Human Resources Office of What’s new for UPlan Wellness? 2007 Health Connections will continue for 2007  Wellness Assessment – January – April, 2007  Health Improvement Programs – throughout 2007 Two $65 rewards – active employees - UPlan members Two new $65 rewards for spouse / SSDP  For Wellness Assessment and one Health Improvement program  Dependent rewards payable to employees

Open Enrollment Resources

Human Resources Office of What if I need help? Delta Dental – or HealthPartners – or Medica – or ! RxAmerica –

Human Resources Office of What if I need help? Benefit Fairs-Computer help and Employee Benefit Staff available to answer questions Computer Labs in 315 in the Donhowe November 15 from 7 a.m. to 7p.m. November 27, 28, 29 and 30 from 8 a.m. to 4:30 p.m.

Human Resources Office of What if I Need Help? Employee Benefits Service Center or Option 2 - General benefits questions Option 3 - FSA questions Note: Telephone Language Interpretation available during OE in Employee Benefits Employee Benefits Website www:umn.edu/ohr/benefits