University of Georgia Human Resources Division Benefits Open Enrollment 2014Benefits Open Enrollment 2014

Tobacco Surcharge Action Required! (Again)

Vision University System of Georgia 3  No changes in coverage or premiums for 2015 Dental  Premiums increase 12%

FSA/HSA UGA to continue to pay monthly fees for FSA USG to pay monthly fee for HSA UGA to continue match for HSA contributions: $375/750 Same vendor for FSAs and HSA

Open Access POS is now Comprehensive Care plan Add ABA Autism Therapy coverage Premiums decrease 6% Increase in-network deductible: Single /$500 Family/ $1500 Increase in-network out of pocket maximum: Single/$1250 Family/$2500 Increase in-network specialist office visit co-pay by $10 from $20 to $30 5

HSA Open Access POS is now Consumer Choice HSA Add ABA Autism Therapy coverage Increase in-network out-of-pocket maximum from $3,000 single/$6,000 family to $3,500 single/ $7,000/family Increase in-network employee co-insurance from 15% to 20% (employer co-insurance decreases from 85% to 80%) Increase out of network deductible from $2,500 single/$5,000 family to $3,000 single/$6,000 family Premiums increase by 32% 6

Plan Changes – BlueChoice HMO Add ABA Autism Therapy coverage Increase in-patient hospital services co-pay from $250 to $500 Increase primary care office visit co-pay from $20 to $30 Increase brand name prescription drug co-pay from $25 to $35 Increase specialist office visit co-pay from $25 to $50 Premiums increase 24% Add 20% co-insurance to non-preferred brand name prescription drug with a $45 minimum and $125 maximum cost share 7

Plan Changes – Kaiser HMO Plan Add ABA Autism Therapy coverage Increase emergency room co-pay from $150 to $250 Increase preferred brand co-pay from $25 to $35 and non- preferred co-pay from $35 to $45 at Kaiser pharmacy Premium increase of 4% 8

 Good claims experience in previous years kept costs lower  System healthcare costs ran to a $17 million deficit last year  Projected costs for 2014 are over budget – Extra fees due to ACA – Enrollment growth – Higher than average claims experience – Migration between plans Why are the premiums going up for some of the plans?

 CVS Caremark will be the Pharmacy Benefit Manager for all the BCBS plans (excluding Kaiser HMO)  One of the largest networks in the country  You do not have to use CVS as your pharmacy CVS Caremark replaces Express Scripts

10/209:00-11:00amMasters Hall, Ga. Ctr. 10/211:00 – 3:00amMasters Hall, Ga. Ctr. 10/229:00-11:00am Masters Hall, Ga. Ctr. 10/309:00 – 11:00amUniversity Chapel 10/302:00 – 4:00pm University Chapel Collaborate Sessions (non-Athens locations) 10/222:00 – 3:30 pm 10/2310:00 – 11:30 am Visit and select “Open Enrollment” Open enrollment sessions for active employees

*IMPORTANT* Tobacco Surcharge – Action Required!

Affordable Care ActAffordable Care Act Employees averaging 30 hours a week are eligible for health insurance (it’s not that simple)

Important dates  Transition period – May 1, 2014 through October 31, 2014 – Tracking temp employees working more than 30 hours per week – Potentially benefits eligible in January 2015  End of first 12-month reporting period – May 1, 2015

What has been happening  Identification of temps  Interpretations of workplace situations  Feeding work hours data to the USG – Payroll hours for hourly temps – Calculated hours from Percent Time for monthly temps (50% time equates to 20 hours per week)

What is going to happen next  The USG is going to review the data from the transition period to determine who has averaged more than 30 hours per week  They will report back to us in late November  We’ll review and reconcile their list  Anticipate between temps will be designated as potentially benefits eligible

What is going to happen next  USG survey of our methodology  USG audit of our practices and results  Potential changes to our recordkeeping methodology

Recordkeeping Options  Temp faculty and staff employment agreement forms  Timesheets for both hourly and monthly temps  Electronic timekeeping application – Expansion of Kronos – Third party vendor compliance tool for UGA – USG compliance tool

Graduate Research Assistants  This has been one of the most debated groups both within the USG and nationally  Very difficult to distinguish between “academic training” time and “work” time  USG has decided to explore the possibility of establishing a separate health insurance plan for GRAs  Early stages of development; more to come

Reference material  The USG Employee Categories policy can be found at: Types-of-Employment Types-of-Employment  A separate UGA ACA Guidelines document is being completed and will be available in November