1. Welcome to: 2018 Annual Enrollment Presentation
OSU|AM Institutions

2. Highlights Plan Design Changes Reminders How do I enroll?
2018 Benefits
Highlights
Plan Design
Changes
Reminders
How do I enroll?
Helpful Resources
OSU|AM Institutions

3. Annual Enrollment November 1 – 17, 2017
You do not have to be experiencing a qualifying event. Annual Enrollment is open to all benefit eligible employees!
View benefits
Change benefits
Enroll in benefits
Decline benefits
Annual Enrollment begins on November 1st and ends on November 17th midnight Central Standard Time. As a benefits eligible employee, annual enrollment is your once chance each year to make changes to your benefit coverage for yourself and your eligible dependents.
OSU|AM Institutions

4. Changes take effect January 1, 2018!
Evidence of Insurability (EOI)
changes may take effect later depending upon approval.
Changes made during annual enrollment will take effect January 1st, Certain insurance plans that may require Evidence of Insurability or EOI, changes may take effect later depending on approval.
OSU|AM Institutions

5. Health Plans Blue Edge Blue Options HDHP PPO Lower premiums
Higher Premiums
Lower deductible
Office co-pays
Blue Edge
HDHP
Lower premiums
Higher deductible
No first $ coverage
HSA contributions
OSU|AM Institutions

6. Health Savings Account
HSA - Benefit Wallet
Can only enroll if currently enrolled in a HDHP (BlueEdge)
Cannot have an HSA and an FSA in the same calendar year
OSU will contribute up to $1,000 into the HSA for employee only and those with dependents up to $1,500 annually
2018 IRS Limits
Individuals - $3,450
Family - $6,900
Catch-up $1,000 annually for age 55 or older
OSU|AM Institutions

7. Health Plan Changes Blue Edge High Deductible Health Plan (HDHP)
$2,700 Individual
$5,400 Family
Out-of-pocket
$6,650 Individual
$13,300 Family
OSU|AM Institutions

8. $10 $25 $50 $100 $150 Health Plan Design Preferred Generic
Non-Preferred Generic
$50
Preferred Brand
$100
Non-Preferred Generic
Reminder of what the Rx tiers are.
$150
Specialty
OSU|AM Institutions

9. No Cost to Employees!
290 participants in 2017
OSU|AM Institutions

10. Naturally Slim Program Details Criteria/Applicants
Virtual 3 phase program
Foundations® – 10 weeks
Weekly instructional videos
Dashboard
Weight loss coaching/counselors
NS4YouTM – 14 weeks
Bi-weekly video
Skill reinforcement
NS4LifeTM – 6 months
Monthly video
Maintenance phase
Criteria
BCBS health plan member
Employee (OSU or A&M)
BMI >25
Cost/Employee
Billed based on participation
$560.00/max
Applicants
253 applicants
240 eligible
150 applicants accepted/semester
2017 – 330 participants
OSU|AM Institutions

11. Catapult
Year
Annual Amount
2013
$250 deductible credit
2014
2015
$50 Cash incentive
2016
$240 ($20/month) premium credit
2017
2018
2016 Participation
BIOMETRIC CREDIT
OSU 3,266
Langston 212
NEO 83
OPSU 60
Connors 94
TOBACCO FREE CREDIT
OSU 4,938
Langston 272
NEO 122
OPSU 92
Connors 100
Overall - Total
OSU 8204
Langston 484
NEO 205
OPSU 152
Connors 194
Over 120 clinics per year offered at all OSU and A&M institutions.
OSU|AM Institutions

12. Health Plan Design - Premiums
PPO
Total Premium
Institution
Employee
With MAX incentives
(Tobacco and Biometric)
Employee Only
$498.76
$408.76
$90.00
$50.00
Employee + Children
$897.78
$647.48
$250.30
$210.30
Employee + Spouse
$1,047.40
$701.76
$345.64
$305.64
Family
$1,596.04
$1,171.00
$425.04
$385.04
HDHP
$503.02
$433.02
$70.00
$30.00
$880.86
$745.48
$135.38
$95.38
$1,007.20
$814.96
$192.24
$152.24
$1,470.42
$1,257.48
$212.94
$172.94
Congratulations on your healthy choices in 2017! 0% increase for 2018!
OSU|AM Institutions

13. Dental and Vision Plans
OSU|AM Institutions

14. Dental Plans Low Plan High Plan No Orthodontia
Annual benefit level $1,500
High Plan
Orthodontia for dependents up to age 19 lifetime max $2000
Adults with TMJ
Annual benefit level $2,000
OSU|AM Institutions

15. Dental Premiums Dental - Low Plan 2017 2018 Employee Only $27.30
$30.04
Employee + Spouse
$54.60
$60.06
Employee + Child(ren)
$74.46
$81.92
Employee + Family
$100.46
$110.52
Dental - High Plan
2017
2018
Employee Only
$31.68
$34.86
Employee + Spouse
$63.34
$69.68
Employee + Child(ren)
$86.38
$95.02
Employee + Family
$116.56
$128.22
OSU|AM Institutions

16. Vision Plan EyeMed Frames benefit is $150
Contact wearers can get contacts and glasses (frames) in the same year
40% hearing exam discounts
OSU|AM Institutions

17. Vision Premiums 2017 2018 Employee Only $6.48 $6.80 Employee + Spouse
2017
2018
Employee Only
$6.48
$6.80
Employee + Spouse
$10.80
$11.34
Employee + Child(ren)
$10.64
$11.18
Employee + Family
$20.14
$21.16
OSU|AM Institutions

18. Life/Accidental Death & Dismemberment and Long Term Disability
OSU|AM Institutions

19. Life/AD&D and Long Term Disability
LTD and Supplemental Life Products
0% increase - three year rate guarantee
Long Term Disability
60% up to $6,000 a month benefit
OSU|AM Institutions

20. Life/AD&D and Long Term Disability
Supplemental life
Employee
Guaranteed Issue (GI) – 2x salary up to $300,000 max - $10,000 increments
With Evidence of Insurability (EOI): 5x salary, up to $750,000
Spouse
GI – 1x employee salary up to $130,000 max - $10,000 increments
With EOI: up to $380,000
Child(ren)
$2,500 increments up to $10,000
Open Enrollment
Employee – may increase by 4 increments up to GI
Spouse – may increase by 1 increment up to GI
During annual enrollment, Liberty Mutual will offer the guaranteed issue without EOI, even if you were previously turned down for coverage. Also, the employee supplemental life insurance guaranteed issue will increase to 2 times annual salary up to $300,000. Spouse supplemental life insurance will now be 1 times employee salary up to $130,000 guaranteed issue up to $380,000 with EOI in $10,000 increments. There will be no changes to the child life insurance increments. There are no changes to any of the supplemental life insurance premiums.
OSU|AM Institutions

21. Reminders
OSU|AM Institutions

22. Flexible Spending Accounts
Health FSA
Minimum: $120
Maximum: $2,600
Dependent Care FSA
Maximum: $5,000
OSU|AM Institutions

23. Blue Access for Members Website
Bcbsok.com
Check your EOB’s
Find Providers
Review your Benefits
Your family members names and how much of their deductible is met will be listed here!
OSU|AM Institutions

24. Voluntary Retirement Plans
403(b)
Roth 403(b)
457
TIAA Meetings – check availability at for available dates/times.
OSU|AM Institutions

25. BenefitFocus
OSU|AM Institutions

26. Click on this link to access your ability to make changes to your 2018 benefit elections!
OSU|AM Institutions

27. This will reflect how many days you have left to make changes to your 2018 elections.
OSU|AM Institutions

28. Should you need to add or edit dependents, you will be given the opportunity here.
OSU|AM Institutions

29. Your name will be listed here!
OSU|AM Institutions

30. Make sure you elect “Save & Continue to proceed to the next page.
OSU|AM Institutions

31. This is a pop up message from the Benefits Team to serve as guidance throughout the process. After you read it, select “Close”.
OSU|AM Institutions

32. Your elections will be displayed
Your elections will be displayed. Should you want to change the coverage in which you’re enrolled, select “Edit Coverage”.
OSU|AM Institutions

33. Until you are all the way through the elections, to either enroll or decline, you can select the green button but it will say “Take me to the benefits left to complete”. At the very end of the review, you can then select “Complete Enrollment” for a confirmation.
OSU|AM Institutions

34. The rates shown will be the 2018 rates; not the 2017.
If you are currently enrolled but want to decline, you can select “Edit plan” and you will be able to decline the coverage.
OSU|AM Institutions

35. Don’t forget to “Save” at the end of every group of benefits in order to proceed to the next group.
OSU|AM Institutions

36. Select “Begin Enrollment” to proceed through the benefit groups.
OSU|AM Institutions

37. OSU|AM Institutions

38. OSU|AM Institutions

39. OSU|AM Institutions

40. OSU|AM Institutions

41. Once you have made all the changes you want to make, select “Complete Enrollment”.
OSU|AM Institutions

42. Take action! November 1 - 17 Reminders! FSA: Must reelect contribution
HSA: Must reelect contribution
Tobacco Affidavit: Must reaffirm
BenefitFocus
OSU|AM Institutions

43. Contact OSU|AM Institutions Benefits
Take action! November
Questions?
Contact OSU|AM Institutions Benefits
OSU|AM Institutions