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Chandler Unified School DistrictYour 2013-2014 UnitedHealthcare Plan Benefits
Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth G...
3Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth ...
Note: Condoms and spermicidalagents, are not covered underthe health care reform lawbecause they are availablewithout a pr...
5Confidential Property of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Gr...
Medical Option• Choice Plus PPO Plan• HDHP1500• HDHP27006Proprietary Information of UnitedHealth Group. Do not distribute ...
Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth G...
Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth G...
Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth G...
10Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth...
11Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth...
High Deductible Health Plans(HDHP)12
Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth G...
Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth G...
15Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth...
16Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth...
17Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth...
Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth G...
Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth G...
Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth G...
Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth G...
Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth G...
Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth G...
Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth G...
Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth G...
26Voluntary Delta Dental Plan•All employees who work 20 hours or more per week areeligible to enroll in dental benefits.3 ...
Voluntary DentalCore PlanNo Orthodontics6 month waiting periodPreventative 100%Basic Services - 70%Excludes sealantsMajor ...
Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth G...
Vision - VSPCovers eye exams once every year.Lenses are covered 100% after a $20 co-pay.Frame allowance $130.Contacts in l...
30ING Life Insurance• New Insurance Carrier• Basic life insurance provided to all benefit eligible employees in theamount ...
31AssurantShort Term Disability• During this open enrollment period only all employees can purchase shortterm disability c...
32BASICFlexible Spending Accounts• An election must be made every year if you wish to enroll in a FlexPlan• Medical Flexib...
Long Term Care•Monthly Benefit to assist with nursing home expenses or in homelicensed care.•District Policy was $2,000 pe...
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Chandler 2013 open enrollment presentation with voice kg (2)

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Chandler 2013 open enrollment presentation with voice kg (2)

  1. 1. Chandler Unified School DistrictYour 2013-2014 UnitedHealthcare Plan Benefits
  2. 2. Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.2ReminderOpen EnrollmentApril 22nd to May 10th
  3. 3. 3Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.What We Will Cover Today•Healthcare Reform Updates•Medical Plan options & changes•How medical plans work•Voluntary Benefits employees canpurchase
  4. 4. Note: Condoms and spermicidalagents, are not covered underthe health care reform lawbecause they are availablewithout a prescription. Inaddition, the law only coverswomen’s contraception, so malecontraception and sterilizationare not included in thepreventive care benefits.UnitedHealthcare will cover tier-1 contraceptive methods forwomen without cost-share:* Hormonal methods* Emergency contraceptionThe following Devices will be covered under the medicalbenefit, when provided by a network physician, facility orhealth care professional:•Intrauterine devices (IUD)•Diaphragms•Sterilization procedures for women, such as tuballigationsContraceptive Benefit - All PlansChanges Effective July 1st
  5. 5. 5Confidential Property of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.Breastfeeding Support – All PlansBreastfeeding Equipment costs and Lactationsupport and counseling are covered at 100%through a network physician, hospital or durablemedical equipment provider (DME)•Applies to lactation support by atrained provider•During pregnancy and/or in the postpartumperiodNote: Members will not be able to purchase supplies at retailstores and send in the receipt for reimbursement. Please callCustomer Service number on back of card for instructions.Changes Effective July 1st
  6. 6. Medical Option• Choice Plus PPO Plan• HDHP1500• HDHP27006Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.
  7. 7. Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.7Changes to the Choice Plus PPO No changes to the deductible or out of pocket maximums Decreased rates FAQ availableUnited Health Care – Choice Plus PPONumber ofDeductionsEmployeeOnlyEmployee+Spouse Employee+Child(ren) Employee+Family Spousal Share22 $95.00/pay $490.35/pay $457.40/pay $720.97/pay $486.51/pay19 $110/pay $567.77/pay $529.62/pay $834.80/pay $563.33/pay
  8. 8. Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.8Changes to the HDHP 1500 No change to the deductible of out of pocket maximums Change to HSA contribution: Contribution will be $548 for thefiscal year. First half of $274 deposited in August Final half of $274 deposited in JanuaryUnited Health Care – HDHP1500Number ofDeductionsEmployeeOnlyEmployee+Spouse Employee+Child(ren) Employee+Family Spousal Share22 $0.00 $251.48/pay $230.52/pay $398.17/pay $188.61/pay19 0.00 $291.18/pay $266.92/pay $389.61/pay $218.39/pay
  9. 9. Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.9Changes to the HDHP 2700 No changes to deductible or maximum out of pocket. Change to HSA contribution: New HSA contribution willbe $1,262. First half of $631 deposited in August Final half of $631 deposited in JanuaryUnited Health Care – HDHP2700Number ofDeductionsEmployeeOnlyEmployee+Spouse Employee+Child(ren) Employee+Family Spousal Share22 $0.00 $212.51/pay $194.80pay $336.48/pay $159.39/pay19 0.00 $246.07/pay $225.56/pay $389.61/pay $184.55/pay
  10. 10. 10Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.Your Medical Benefits at a GlanceChoice Plus PPO PlanType of coverage Network benefit Non-network benefitPhysician’s office services$25 co-payment 50% after deductibleSpecialist office visit $50 co-payment 50% after deductibleUrgent care center services $50 co-payment50% after deductibleEmergency room services $500 co-payment $500 co-paymentInpatient hospital stay20% after $1,000individual deductible,$2000 family deductible50% after $2,000 individualdeductible, $4000 familydeductibleOut of Pocket Maximum$2,000 per individual,$4,000 family per PlanYear. (Deductibles andcopays do not apply)$6,000 per individual,$12,000 family per Plan Year(Deductibles and copays donot apply)
  11. 11. 11Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.Choice Plus PPO PlanPharmacy CostsRetail Mail orderTier 1$10 Member Cost1-Month Supply$25 Member Cost3-Month SupplyTier 2$35 Member Cost1-Month Supply$87.50 Member Cost3-Month SupplyTier 3$50 Member Cost1-Month Supply$125 Member Cost3-Month SupplyMembers are subject to $100 individual pharmacy deductible before copayment’sapply.LowestCostHighestCost
  12. 12. High Deductible Health Plans(HDHP)12
  13. 13. Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.13High Deductible Health Plans(HDHP)• Consumer Driven Health• Half the cost of a traditional PPO• Help you save for future medical expenses• Protects from catastrophic medical expenses
  14. 14. Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.14*From www.healthcarelane.comHow the HDHP Works
  15. 15. 15Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.Your Medical Benefits at a GlanceHDHP 1500 – Non-Embedded Plan*Type of coverage Network benefit Non-network benefitPhysician’s office services20% after deductible 50% after deductibleSpecialist office visit 20% after deductible 50% after deductibleUrgent care center services 20% after deductible50% after deductibleEmergency room services 20% after deductible 20% after deductibleInpatient hospital stay20% after $1,500 singledeductible, $3,000 familydeductible* (single deductibledoes not apply for families)50% after $3,000 singledeductible, $5,600 familydeductible* (single deductibledoes not apply for families)Out of Pocket Maximum(single max does not applyto families)$3,900 single, $7,800 forfamily coverage per Plan Year(Deductibles and copaysapply)$7,800 single, $15,200 forfamily coverage per Plan Year(Deductibles and copaysapply)
  16. 16. 16Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.Your Medical Benefits at a GlanceHDHP 2700 – Embedded Plan*Type of coverage Network benefit Non-network benefitPhysician’s office services20% after deductible 50% after deductibleSpecialist office visit 20% after deductible 50% after deductibleUrgent care center services 20% after deductible50% after deductibleEmergency room services 20% after deductible 20% after deductibleInpatient hospital stay20% after $2,700individual, $5,400family deductible perPlan Year (Individualdeductible applies foreach family member)50% after $5,400individual, $10,400 familydeductible per Plan Year(Individual deductibleapplies for each familymember)Out of Pocket Maximum$4,650 per individual,$9,300 for family perPlan Year. (Deductiblesand copays apply)$9,300 per individual,$18,200 for family per PlanYear. (Deductibles andcopays apply)
  17. 17. 17Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.HDHP Plan Pharmacy CostsRetail Mail orderTier 1$10 Member Cost1-Month Supply$25 Member Cost3-Month SupplyTier 2$30 Member Cost1-Month Supply$75 Member Cost3-Month SupplyTier 3$50 Member Cost1-Month Supply$125 Member Cost3-Month SupplyMembers are subject to their Medical/Pharmacy deductible before copay’s apply.Medications listed on Preventative Drug List are subject to copays.LowestCostHighestCost
  18. 18. Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.18You are eligible to open an HSA if:• You are not covered by any other non-high deductible health plan,such as a spouse’s plan• You are not enrolled in Medicare• You do not receive health benefits under TRICARE• You have not received Veterans Administration (VA) benefitswithin the past three months• You cannot be covered by a health care FSA or HRAHSA eligibility requirements
  19. 19. Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.19Annual HSA contribution limitsAmount ofFundingContributions above the annual limit aresubject to income taxes and a 20%penalty.AnnualContributionRules2013: $3,250 for individuals & $6,450 forfamiliesAdditionalFundingThose 55 years of age or higher, but notentitled to Medicare benefits, can fund anadditional $1,000/year “catch-up”contribution!Annual contribution limits are set by the IRS
  20. 20. Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.20How you can use the HSAUse HSAdollars to payfor qualifiedmedicalexpenses foryour spouse ordependentsPharmacy,dental, visioncare servicesMedical plandeductibles andcoinsuranceAny money you take out of your HSA foreligible medical expenses is federal income-tax free
  21. 21. Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.21How you can use the HSA1Coverage whilereceivingunemploymentbenefits2COBRAcontinuationcoverage3Eligible long-term care4Medicarepremiums andout-of-pocketexpensesOther qualified expenses
  22. 22. Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.22TIP: Use your HSA to help you pay qualified expensesPresent ID card tonetwork doctorDoctor sendsclaim toUnitedHealthcareUnitedHealthcareapplies networkdiscount andnotifies doctor ofamount you mayowe.When you haveclaim activity,you will receive aEOB.Doctor bills youfor payment1. You can useyour HSA to pay2. Or you canchoose to payanother way (cash,credit card) andreimburse yourselflaterHow the HSA Plan WorksHSA Payment Process
  23. 23. Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.23Common HSA Questions• Enroll during your Open Enrollment period• Check your employer benefit information fordetailsHow do I enroll?1Can I take the funds in my HSAwith me if I leave the company?2Can others contribute to myHSA?3How do I access the funds inmy account?4Yes. Funds belong to you even if you leaveyour job, change health plans or retire.Yes. Anyone can contribute to your HSA.Keep in mind that annual contribution limitsabove what is allowed are subject to incometaxes and a penalty.• Use your HSA debit card• Pay by check, cash or credit card andreimburse yourself later from your HSA
  24. 24. Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.24OptumHealthSM Bank, Member FDICUnitedHealthcare’s health care bank of choice• FDIC-insured so you know your money issafe• Dedicated to helping people save for healthcare• One of the nation’s leading HSA custodians• Offers a Health Savings Account DebitMasterCard®• Account holders will receive Health SavingsNews e-newsletterOnly OptumHealthBank offers theconvenience ofHSA bankingthroughmyuhc.comPay billsMake depositsReimburse yourselfTrack spendingSee your tax savingsAnd more
  25. 25. Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.252013-2014CUSD Voluntary Benefits
  26. 26. 26Voluntary Delta Dental Plan•All employees who work 20 hours or more per week areeligible to enroll in dental benefits.3 Dental Plans Offered• Premier Delta Dental Plan• Core Delta Dental Plan• (New) Total Dental Administrators(TDA)
  27. 27. Voluntary DentalCore PlanNo Orthodontics6 month waiting periodPreventative 100%Basic Services - 70%Excludes sealantsMajor Services - 40%Calendar Year Max - $1500Number ofDeductionsDentalPlanEmployeeOnlyEmployee+ SpouseEmployee+Child(ren) Employee+Family22 Core $17.36/Pay $33.79/pay $38.49/Pay $62.90/Pay19 Core $20.10/Pay $39.12/Pay $44.57/Pay $72.83/Pay22 Premier $24.05/Pay $47.50/Pay $55.13/Pay $92.28/Pay19 Premier $27.85/Pay $55.00/Pay $64.99/Pay $106.85/PayPremier PlanOrthodonticsLifetime Max - $1000 (Increased)Preventative - 100%Basic Services - 80%Includes sealantsMajor Services - 50%Calendar Year Max - $1500
  28. 28. Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.28Total Dental AdministratorsHealth Plan, Inc. (TDA)• Preventative Care Services are covered at 100%• All other services have a predetermined set fee.• No annual or lifetime benefit maximums• Orthodontics for Children and Adults are provided• Affordable premiums• Dentist Provider must be designated• Services are only available in the State of Arizona.
  29. 29. Vision - VSPCovers eye exams once every year.Lenses are covered 100% after a $20 co-pay.Frame allowance $130.Contacts in lieu of lenses and frames allowance $130.Premium based on 22 or 19 payroll deductions.Number ofDeductionsEmployeeOnlyEmployee+1 Employee+2 ormore22 $4.28/pay $6.21/pay $11.14/pay19 $4.96/pay $7.19/pay $12.90/pay
  30. 30. 30ING Life Insurance• New Insurance Carrier• Basic life insurance provided to all benefit eligible employees in theamount of $50,000• Additional voluntary life insurance coverage available to purchase,premiums based on age and amount of coverage• Spouse/child coverage available• If you are not currently enrolled in voluntary life insurance coverage butwish to enroll now, during this open enrollment period only. ING willguarantee coverage up to $150,000 for all employees without evidence ofinsurability.• Spouses are guaranteed up to $30,000 with no evidence of insurability• Children are guaranteed up to $10,000 with no evidence of insurability
  31. 31. 31AssurantShort Term Disability• During this open enrollment period only all employees can purchase shortterm disability coverage based on their salary not to exceed 66 2/3.Coverage amounts up to $3,000 are guaranteed with no evidence ofinsurability.• The policy does not pay for disabilities within 12 months of your initialenrollment plan, if you received medical treatment, consultation, care orservices (including diagnostic measures), or took prescribed drugs ormedicines for the disabling condition during the 12 months prior to yourinitial enrollment date.• To be eligible during pregnancy, you cannot be pregnant prior to thebenefit effective date.• The plan provides monthly benefits ranging from $360 to $5,000, basedon your annual salary, not to exceed 66 2/3% of your salary.
  32. 32. 32BASICFlexible Spending Accounts• An election must be made every year if you wish to enroll in a FlexPlan• Medical Flexible Spending account limit for 2013-14 plan year is$2,500• Dependent Care Flexible Spending account limit will remain at$5,000 maximum.• If you are enrolled in an HSA plan you are only able to use yourmedical flex spending account for dental and vision expenses• When making flex account elections please keep in mind that ifyou do not use the funds by June 30, 2014 you will forfeit allremaining money in the account
  33. 33. Long Term Care•Monthly Benefit to assist with nursing home expenses or in homelicensed care.•District Policy was $2,000 per month not to exceed $48,000 policy•No longer offered•If you wish to continue with the coverage you will need to downloadthe continuation of coverage form at:www.cusd80/continueltc.com• Mail directly to UNUM• You will have 60 days from June 30th to send in your form to portyour service.
  34. 34. Thank you!!!

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