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

3. Annual Enrollment November 1 – 17th, 2017
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.

4. Qualified Status Change Event is not required during Annual Enrollment

5. 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.

6. Plan Design

7. Health Plans Blue Options Blue Edge PPO
Higher Premiums, lower deductible
Office co-pays
Blue Edge
HDHP
Lower premiums, higher deductible
No first $ coverage
HSA contributions

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

9. Health Plan Changes Blue Edge High Deductible Health Plan
Out-of-pocket $6,650/$13,300

10. Additional Changes
Employees can now cover their OPSU spouse on the health plan.
In most cases, this will not be financially beneficial
No double coverage on the health plan; i.e. enrollment in the OPSU Employee Only plan AND covered on the OPSU spouses plan too

11. $10 $25 $50 $100 $150 Health Plan Design Preferred Generic
Non-Preferred Generic
$25
Preferred Brand
$50
$100
Non-Preferred Brand
Reminder of what the Rx tiers are.
$150
Specialty

12. No Cost to Employees!
290 participants in 2017

13. 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

14. Catapult and Incentives
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.

15. Health Plan Design - Premiums
PPO
Total Premium
Institution
Employee
Employee Only
$498.76
$458.76
$40.00
Employee + Children
$897.78
$595.90
$301.88
Employee + Spouse
$1,047.40
$590.00
$457.40
Family
$1,596.04
$798.24
$797.80
HDHP
$503.02
$463.02
$880.86
$599.62
$281.24
$1,007.20
$656.90
$350.30
$1,470.42
$947.12
$523.30
Congratulations on your healthy choices in 2017! 0% increase for 2018!

16. Dental and Vision Plans

17. Dental Plans Low Plan High Plan No Orthodontia
Unless you are an Adult with TMJ
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

18. Dental Plans 2 regular cleanings/per year covered at 100% in-network
2 periodontal cleanings/per year covered at 85% after meeting plan deductible in-network

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

20. Vision Plan Frames benefit is $150 15% off Lasik! EyeMed
Contact wearers can get contacts and glasses (frames) in the same year
40% hearing exam discounts
15% off Lasik!

21. 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

22. Life/Accidental Death & Dismemberment and Long Term Disability Changes

23. Life/AD&D and Long Term Disability
LTD and Supplemental Life Products
0% increase three year rate guarantee
Liberty Mutual - Long Term Disability
60% up to $6,000 a month benefit

24. Life/AD&D and Long Term Disability
Supplemental life
Employee – 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) – $2500 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.

25. Reminders

26. 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!

27. Voluntary Retirement Plans
403(b) & Roth 403(b)
Contribution limit: $18,500 under age 50; $24,500 over age 50
457(b)
TIAA Meetings

28. BenefitFocus

29. Make sure your O-key is activated
Make sure your O-key is activated! It will be the way in which you access the system!
Click on this link to access your ability to make changes to your 2018 benefit elections!

30. This will reflect how many days you have left to make changes to your 2018 elections.

31. Should you need to add or edit dependents, you will be given the opportunity here.

32. Your name will be listed here!

33. Make sure you elect “Save & Continue to proceed to the next page.

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

35. 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”.

36. 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.

37. 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.

38. Don’t forget to “Save” at the end of every group of benefits in order to proceed to the next group.

39. Select “Begin Enrollment” to proceed through the benefit groups.

44. Once you have made all the changes you want to make, select “Complete Enrollment”.

45. Take action! November 1 - 17 Reminders! HSA: Must reelect contribution
Tobacco Affidavit: Must reaffirm
BenefitFocus

46. Questions? Contact OPSU HR department 349/1574 or 349-1572
Take action! November
Questions?
Contact OPSU HR department
349/1574 or