1. Open Enrollment Plan year: July 1, 2019 – June 30, 2020
May 19, 2019

2. Dependent Eligibility
Columbus State recognizes the importance of providing our employees and their families (spouse, eligible dependent children) with quality benefits. Please review the dependent verification form provided in your packet.
*Please be sure to provide appropriate dependent verification information!

3. Working Spouse Premium
Working Spouse Premium - there will be a surcharge for spouses who are eligible for medical coverage through their employer but elect the Columbus State plan as primary coverage: 24 pay-period fee is $50.00/pay and 18 pay-period fee is $66.66/pay.
$ annually – in addition to premium
If you have a spouse enrolled on the Columbus State plan, complete the Affidavit and return it with your enrollment form within 31 days of your date of hire. If NO form is returned, the surcharge will apply.

4. Per Pay Employee Contributions-24 pays/Annual
CORE/PPO
Teamster
Single
$72.76/$
$76.41/$
Family
$191.31/$
$200.87/$
80%/20% Per Pay
HDHP/HSA
College Contributes
Single
$61.10/$
$1000
Family
$160.67/$
$2000
80%/20% Per Pay
Tiered PPO EE
$66.52/$
EE + Spouse
$159.61/$
EE + 1 or 2 Child(ren)
$119.72/$
EE+ Family
$174.92/$

5. Per Pay Employee Contributions-18 pays
CORE/PPO
Single
$97.01
Family
$255.08
80%/20% Per Pay
HDHP/HSA
College Contributes
Single
$81.47
$1000
Family
$214.23
$2000
80%/20% Per Pay
Tiered PPO EE
$88.69
EE + Spouse
$212.82
EE + 1 or 2 Child(ren)
$159.62
EE+ Family
$233.23

6. Benefit Plan Overview 3 Plans to choose from
High Deductible Health Plan with the Health Savings Account
Core Plan
Tiered Core Plan

7. Definitions to know
Annual Deductible – the amount of eligible expenses that you pay each calendar year for covered health services before you are eligible to begin receiving Benefits. The amount is different in each plan and based on network or non-network providers.
Coinsurance – the % of eligible expenses that you are responsible for paying. It usually applies after the deductible has be satisfied.
Copay – the amount you pay for certain covered health services.
Annual Maximum Out of Pocket – the most you will pay each calendar year for covered health services. The amount may be different in each plan and is based on network or non-network providers.
The copays, deductible, and coinsurance apply to the applicable out of pockets maximum.
The HDHP has the lowest OOP of all the plans.

8. Definitions to know
Payroll deductions – the portion you are responsible to pay from each pay to participate in the healthcare plans that you elect.
MIPA – the added payroll deduction for non-participation in Well-being.
Spousal surcharge – the additional contribution that you are responsible to pay when your spouse or partner enrolled in the college’s medical benefit, they are employed and offered employer sponsored benefits that they waive, making Columbus State primary for the employer portion of their covered healthcare expenses. Cost to you each year is $

9. Questions to ask yourself when making a plan choice:
Do you want to pay more in case you need it? Or do you want to pay when you need it?
What type of services do you use? Are they preventive or medical?
Do you have a medical condition that requires medications and appointments? What medications do you take? What type of appointments do you utilize?
Think about the total spend per year (OOP maximum) and the cost of the plan.
Do you want the ability to save through tax free contributions?

10. Applies to All Three Plans
Preventive Care
Routine Physical Well Child
The deductible and out of pocket for all medical plans run on a calendar year - January through December.
The FSA plan runs on the fiscal year - July through June.
The same network of Physicians and Pharmacies.
Types of coverages.
All three have restricted generic fill.

11. Main Differences HDHP Single HSA /HDHP ONLY Employer Contributions
HDHP Family
CORE PPO
CORE PPO Teamster
Tiered PPO
Annual cost EE
Family
EE and SP
EE plus 1-2 children
1000
2000
Annual cost no Rewards
Deductible
2500
3000/6000
500/1000
750/1500
Maximum Out of Pocket
3000
4000/8000
4500/9000

12. High Deductible Health Plan with a Health Savings Account (HSA) Option

13. Health Savings Account
What is an HSA? An Account established to pay for qualified medical expenses for the member covered by a high deductible health plan (HDHP) Columbus State HSA Contributions Columbus State may contribute up to $1,000 for single and $2,000 for family. These amounts are deposited equally via payroll deductions over the 18/24 pay period. HSA Contribution Combined Annual Limits (IRS) Employee’s age 55 and older are eligible for a “catch-up” contribution of $1,000.
2019 EE
$3500
Family
$7000

14. High Deductible Health Plan (HDHP) with HSA Network Benefits
Deductible-Single
Deductible-Family
$2,500
$3,000/6,000 (embedded)
**Each member of the family plan will be embedded at $3,000.
Coinsurance
90%/10%
Out of Pocket-Single
Out of Pocket-Family
$3,000
$4,000/$8,000
**Each member of the family plan will be embedded at $4,000.
Office Visit-PCP
Office Visit-Specialist
Deductible then 10%
Urgent Care
Emergency Room
Preventive Services
Covered at 100%
Prescriptions Retail (preventive RX not subject to deductible)
$10 Tier 1/ $30 Tier 2/$80 Tier 3
$20 Tier 1/ $60 Tier 2/$160 Tier 3
*Restricted generic plan
Mail (90- day supply)

15. Core Plan

16. Core Plan Network Benefits
Deductible-Single
Deductible-Family
$500
$1,000
Coinsurance
80%/20%
Out of Pocket-Single
Out of Pocket-Family
$4,500
$9,000
Preventive Services
Office Visit-PCP
Office Visit-Specialist
Covered at 100%
$20 copay
$30 copay
Inpatient Hospital
20% after deductible
Outpatient Hospital
Emergency Room
Urgent Care
$35
Prescriptions Retail
$10 Tier 1/ $30 Tier 2/$80 Tier 3
$20 Tier 1/ $60 Tier 2/$160 Tier 3
*Restricted generic plan
Mail (90- day supply)

17. Tiered Core Plan

18. Tiered Core Network Benefits
In Network
Deductible-Single/EE+ 1 or 2 Child(ren)/Family
$750/$1,500
Coinsurance
70%/30%
Out of Pocket- EE
EE+ 1/ EE plus 2 or more/family
$4,500
$9,000
Office Visit-PCP
Office Visit-Specialist
Urgent Care
Emergency Room
$25 Copay
$40 Copay
$35 Copay
Deductible & Coinsurance
Preventive Services
Covered at 100%
Prescriptions Retail
$10 Tier 1/ $40 Tier 2/ $100 Tier 3
*Restricted generic plan
Mail (90 day supply)
$20 Tier 1/ $80 Tier 2/ $200 Tier 3

19. Dental and Vision Plans

20. Delta Dental Plan Design
Network Benefits when services are rendered by a PPO provider
Deductible - None
$1,500 Annual Maximum
Preventive- Covered at 100% - 2 cleanings per year
Basic - Covered at 90%
Major - Covered at 60%
Orthodontia - $1,000 Individual Lifetime Maximum (Dependents under 19 only)
Delta Dental PPO
Per Pay
Single
$3.42
Family
$10.17

21. Delta Dental Enhanced Plan Design
Network Benefits when services are rendered by a PPO provider
Deductible - None
$2,500 Annual Maximum
Preventive- Covered at 100% - 2 cleanings per year
Basic - Covered at 90%
Major - Covered at 60%
Orthodontia - $1,500 Individual Lifetime Maximum (EE and Dependent children up to 26)
Delta Dental PPO
Per Pay
Single
$4.62
EE plus SP
$10.17
EE plus 1-2 (Children)
$11.86
Family
$18.44

22. VSP Voluntary Vision Vision Service Plan (VSP) In Network Benefits
Eye Exam- $10 copay once every 12 months
Frames- Up to $130 retail allowance- once every 24 months
Single Lenses- 100% after $25 copay
Bifocal Lenses- 100% after $25 copay
Lenticular Lenses- 100% after $25 copay
Lenses are once every 12 months
Contact lenses instead of frames- Necessary 100% after $25 copay; Elective up to $135 allowance
VSP Plan
Per pay – 24 pays
Single
$1.63
Family
$4.50

23. Life/AD&D and Supplemental Life Insurance

24. Employer Paid Basic Life Insurance
Columbus State Community College currently provides and pays for 2 times your base annual earnings in Life Insurance benefits
Coverage includes Waiver of Premium and Conversion privileges
Coverage includes Accidental Death & Dismemberment which is 100% of your Basic Life benefit.

25. Supplemental Coverage: Employee
Coverage available – 1 or 2 times base annual earnings

26. Supplemental Coverage: Dependent
Spouse
Coverage available- $10,000 or $20,000
Dependent Child(ren)
Coverage is a flat $5,000 per child(ren) 6 months and older; $500 benefit applies to child(ren) 15 days to 6 months old
Cost is a unit cost, so regardless of how many child(ren) you may have, the same cost applies.

27. Cost record for supplemental life.
The cost changes each 5 years by the Employee’s age.  
It can also change when the employee’s salary changes.
The cost increment is per $1000.
If an employee is 55 and makes $100,000
The cost is $50.00 per month.

28. MetLife Benefits Cont’d.
Will Preparation
Grief Counseling

29. New Voluntary Benefit Options

30. Voluntary Benefit Options
Critical Illness
Hospital Indemnity
Accident
Identity Protection

31. Rate Confirmation Critical Illness
“Here you will see the rates for each product. Please take a moment now or after the call to confirm what you have matches what is indicated here. We will be using these rates to build our internal systems, so it is important to make sure they match your enrollment system as soon as soon as possible.”

32. Rate Confirmation Hospital Indemnity
“Here you will see the rates for each product. Please take a moment now or after the call to confirm what you have matches what is indicated here. We will be using these rates to build our internal systems, so it is important to make sure they match your enrollment system as soon as soon as possible.”

33. Rate Confirmation Group Accident
“Here you will see the rates for each product. Please take a moment now or after the call to confirm what you have matches what is indicated here. We will be using these rates to build our internal systems, so it is important to make sure they match your enrollment system as soon as soon as possible.”

34. Identity Theft Protection

36. Flexible Spending Account FSA Plan year 7/1/19-6/30/20

37. Healthcare FSA
Elect before-tax dollars to use toward eligible healthcare expenses:
Medical, Dental/Ortho, Vision
$2,700 Annual Maximum Contribution as required by Healthcare Reform
Annual contribution is 100% available for reimbursement from the first day of the Plan Year
Use it or lose it

38. Dependent Care FSA
Elect before-tax dollars to pay for eligible dependent day care services while you (and your partner) are working or attending school full-time.
Daycare centers, Nannies, Nursing Homes
Dependent Care FSA funds are only available for reimbursement as they are deducted from your paychecks and contributed to the Plan (money-in, money-out). They are not immediate as with the healthcare FSA.

39. Transportation Reimbursement$
Transportation
Maximum
Must be work-related
Mass transit (bus, subway, ferry)

40. FSA Forfeiture
FSA balance does NOT rollover at the end of the Plan Year!
If you do not spend the money in your account by the end of the Plan Year, your remaining balance is forfeited.
TIPS:
Be conservative. Set aside only dollars you will actually use.
Access your account to check balance frequently.

41. CancerBridge provides information specific to your cancer inquiry, expert cancer navigation, and insights into treatment options. For assistance call toll-free

42. Healthy Rewards Program

43. Rewards Overview
CSCC has chosen the UnitedHealthcare Health Rewards SM program to engage our employees and their spouse/partner in their wellness incentive. By completing the simple steps toward wellness, and obtaining 8 points each, it will allow you to retain the current 80/20 contribution. If you choose not to complete the steps by the deadline, your payroll contribution will be move to 70/30:

44. Employee Assistance Program (EAP) MATRIX

45. Employee Assistance Program/ Matrix
Who is eligible?
All full time employees, their spouses
and/or dependent children
What is the cost?
FREE-up to six visits per issue

46. Employee Assistance Program/ Matrix
How to access services:
Human Resources-Wellness Program
Nichole Bowman-Glover,
Wellness Coordinator
SX132
MATRIX
2 Easton Oval, Ste. 450
Columbus, OH 43219 /

47. Questions ???