Transcription

2019 BenefitsEnrollment Guide

Team EHC: TheSmart ChoiceEmory Healthcare is proud to be a vital part of theAtlanta community and is dedicated to our mission toWhat’s InsideBenefits Enrollment 2019How to Enroll . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1Enrollment Checklist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2improve health for humankind. Each day, everyYour Benefitsmember of Team EHC plays a vital role in making thatUnderstanding Your Benefits . . . . . . . . . . . . . . . . . . . . . . . . . .4vision come to life. We are pleased to recognize thoseBenefits Eligibility . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4contributions with a rich benefits package that offersYour Healthan array of medical, dental, vision, retirement,Medical Plans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8disability and other work/life benefits to you and your- Plan 1: HSA Plan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9loved ones.- Plan 2: POS Plan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .13We encourage you to take a close look at all of the- Medical Plan Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .14benefits information provided in this guide. Our- Tobacco Use Surcharge to Medical Plan Rates . . . . . . . . . .14benefit plans are just one of the many ways Emory- Medical Plan Comparison Quick Guide . . . . . . . . . . . . . . . .15Healthcare helps you take care of yourself and your- Wellness Incentives . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .16family – because we’re all in this together.Flexible Spending Accounts (FSA). . . . . . . . . . . . . . . . . . . . . .17Dental Benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .18Vision Benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .19Your Work. Your Life.This guide is meant to provide basic benefitplan information. For additional details andspecific information, please contact the vendoror review the Summary Plan Description (SPD)for each plan. SPDs are available on the YourBenefits website (go to www.ourehc.org andselect Employee Resources) or by contactingthe Employee Resource Center at 404-686-6044or EHC.HR/[email protected] fora printed version.Short-Term & Long-Term Disability . . . . . . . . . . . . . . . . . . . .21Life and Accident Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . .22Long-Term Care, Home & Auto,Aflac and Prepaid Legal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .23Parent and Child Care Benefits. . . . . . . . . . . . . . . . . . . . . . . . .24Additional Work/Life Benefits . . . . . . . . . . . . . . . . . . . . . . . . .27Your RetirementRetirement Plans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .33Your ResourcesMore Medical Plan Information. . . . . . . . . . . . . . . . . . . . . . . .39FSA Planning Worksheet . . . . . . . . . . . . . . . . . . . . . . . . . . . . .40Important Numbers and Websites . . . . . . . . . . . . . . . . . . . . .41DISCLAIMER: Emory Healthcare reserves the right to terminate or amend its plans and leave policies in whole or inpart at any time, including the right to terminate or modify coverage, and the cost of coverage, for any group ofemployees, whether active, on leave or retired, and/or dependents at any time, even during a leave or afterretirement. The welfare plans do not provide vested benefits.

How to EnrollYour benefits enrollment is available 24 hours a day onlinethrough e-Vantage on ourehc.org. Remember: If logging into e-Vantage from outside the Emory Healthcare network(e.g., home), you will need to complete your Duo SecurityTwo-Factor Authentication enrollment. Go to www.ourehc.org/duo for more information or call 8-HELP (404-7784357). To access e-Vantage, you will need your network IDand password. If you do not know your network ID orpassword, call 8-HELP for assistance.1. Go to ourehc.org, then select e-Vantage to log in withyour network ID and password.2. Select Self Service from the top dropdown, then clickon the Benefits tile and select Benefits Enrollment.3. Choose Select to view your election options.4. Complete the Tobacco Surcharge Certification if youare enrolling for the first time or need to change yourresponse. If there is no change, your previouscertification will roll over to this year.5. After selecting your elections and covereddependents, if any, the system will display yourelections, covered elections and payroll deductions.6. To finalize your elections, click Continue at thebottom of the page.7. Click Submit after reading the Authorize ElectionsStatement. Note: You are not enrolled until you clickSubmit.8. Click View/Print to view a printable PDF confirmationpage. Save a copy of your confirmation page andreview it for accuracy. Contact the EmployeeResource Center at 404-686-6044 or emailEHC.HR/[email protected] if thereis an issue.Be Safe Do not share your network ID or password withanyone, or leave the information out where otherscan see it. When you are finished, make sure to log out andclose the internet browser to protect your personalinformation.Need a computer? Emory Decatur Hospital- Computer Classroom 802, 8 a.m. - 6 p.m.,October 29, October 31 and November 12- Computer Training Tower 4055, 8 a.m. - 6 p.m.,November 6 and November 8 Emory Hillandale Hospital- Education Computer Classroom, 8 a.m. - 6 p.m.,October 30, November 1, November 5 andNovember 7 Emory Long-Term Acute Care- Computer Lab, 8 a.m. - 6 p.m., November 2and November 9 Emory University Hospital- Learning Resource Center2nd Floor, Room E214 Emory University Hospital Midtown- Learning Resource CenterGlenn Bldg, 2nd Floor, Room 4709- Human ResourcesW.W. Orr Bldg, 5th Floor Emory University Orthopaedics & Spine Hospital- Human ResourcesMOB, 2nd Floor Emory Johns Creek Hospital- Human Resources Emory Saint Joseph’s Hospital- Human Resources , Ground Floor Emory Wesley Woods Center- Houston Building, Main Lobby- Human Resources2nd Floor, Room D20109/182019 Benefits Enrollment Guide1

Use this checklist so you don’t miss any important steps when signing up for your benefits!Before Enrollment: Give yourself time to learn about the benefit options that are available to you. Emory Healthcare providesthe following tools to help you make your enrollment decisions.Review the Benefits Enrollment Guide and the HSA Plan Quick Guide for details on the various plan choices.Decide if you want to enroll in a Flexible Spending Account (Healthcare and/or Dependent Day Care) or a limited Healthcare FSA(for HSA Plan participants).HSA Plan members: Decide if you want to make a contribution to your Health Savings Account.Use Aetna’s DocFind tool to verify your provider is in the Tier 1 Network. Visit aetna.com/docfind/custom/emory.Check with CVS/caremark (1-866-601-6935) to see if your prescriptions are covered.Review the Discover Your Retirement Options Guide for the 403(b) Retirement Savings Plan. You can enroll, change yourdeferral/investment allocations or make any other changes at any time. Review the guide at emoryhealthcare.org/employee/benefits-guides.html or on the intranet, ourehc.org. Click Employee Resources, Benefits, then Retirement Benefits.During Enrollment: Remember, if you don’t enroll during your first 31 days of employment, your next opportunity will beduring the annual benefits enrollment period in the fall.Log in to e-Vantage to make your benefits elections. Note that some voluntary benefits, such as SmartPath financialcoaching, InfoArmor identity theft protection, and Nationwide pet insurance, may require you to enroll on their websites.Complete the Tobacco Use Certification.Pick your life and accidental death and dismemberment beneficiaries.Save or print a copy of your confirmation, review it for accuracy and retain it for your records.After Enrollment: Check your work!Check your paycheck! Review your first paycheck to make sure that your benefits elections are included in your paycheck.If you notice an error, please contact the Employee Resource Center at 404-686-6044.Thank you for enrolling! We hope that the benefits you enjoy at Emory Healthcare work well for you and your loved ones.22019 Benefits Enrollment Guide09/18

As an Emory Healthcare employee, you are fortunate tohave a wide range of benefit programs available to you.Benefit programs give you important financial protectionwhen you need it the most.Some benefits Emory Healthcare offers are employerprovided, and coverage is automatic if you are eligible.These programs include basic life insurance, long-termdisability coverage and a basic contribution to the 403(b)retirement plan.Other benefits give you choices and require you to enroll– such as your medical, dental, vision, flexible spendingaccounts and other voluntary plans described in this guide.In those plans, you contribute toward the cost of the benefitsyou elect.This guide provides details about your many benefits options.Spend a few minutes to review the programs to see whichprograms might work best for you. If you still have questions,contact the Employee Resource Center at 404-686-6044 orEHC.HR/[email protected] more information on retirement plan options, view theDiscover Your Retirement Options Guide located on theEmployee Resources site on www.ourehc.org.Employee ResourceCenter: 182019 Benefits Enrollment Guide3

Understanding Your BenefitsHere are a few terms you may see throughout this guide:Benefits-eligible: You are a regular, full-time or part-time employee scheduled to work 20 hours or more perweek.Coinsurance: Once you reach your annual deductible, costs for care are split between you and the plan. Theamount you are responsible for is the coinsurance.Copay: This is the amount you pay at the time of service. This is a fixed rate for service, regardless of whetheryou have met your deductible for the year.Deductible: This is the amount you pay for health care services before your health insurance begins to pay.Flexible Spending (FSA) vs. Health Savings Account (HSA): With both plans you can contribute pretax dollarsto help cover qualified health care costs. The HSA is a consumer-directed health plan, where members are responsible for meeting a deductiblebefore the insurance kicks in. It has a higher deductible than a POS plan, and Emory Healthcare makes acontribution to the account to help you meet your deductible. When you earn wellness incentives, thoseincentives are added to the bank in your HSA, plus, the HSA rolls over at the end of the year. That said,you must have the money in your HSA to cover the medical expenses or you will have to pay for it out ofpocket, but you can adjust your contribution amounts throughout the year, up until you reach the allowedcontribution limit. For the FSA, the money does not roll over at the end of the year (see the Your Resources section to view aworksheet to help you calculate what you should contribute). The contribution maximum is lower, and it canbe used to pay for expenses, such as prescriptions, dental and vision. You can only change your contributionamounts during open enrollment, but you do have access to the full amount of your expected contributionsat any time during the year.Benefits EligibilityYou are eligible for benefits if you are a regular full-time or part-time employee scheduled to work 20 hours or moreper week.If you elect coverage, your dependents also are eligible for medical, dental, vision and life insurance coverage.Eligible dependents include: Your legal spouse. Your legal child(ren): Includes your natural, adopted or foster child(ren), stepchild(ren) or any child for whom youhave legal custody. They are eligible:–– Up to age 26.–– Regardless of age, if fully disabled and unmarried, provided he/she became fully disabled prior to age 19 orbetween the ages of 19 and 26, if the child was covered by the plan when the disability occurred.Dependent Verification of EligibilityWhen you first enroll, or if you change coverage mid-year due to a qualified IRS family status change, you are requiredto provide documentation substantiating the eligibility of your dependent(s) within 31 days of the change or enrollment.If documentation is not received within 31 days, a letter will be mailed to you requesting the documentation within agiven deadline. See Change in Coverage table on page 5 for a list of events that require documentation.42019 Benefits Enrollment Guide09/18

Benefits EligibilityContinuedCoverage BeginsFor most benefits, coverage begins on your date of hire,if the employee is benefits-eligible. You must enrollwithin the first 31 days of employment to receivecoverage for benefits other than the 403(b) andsupplemental long-term disability. If you miss thiswindow, your next opportunity to enroll in benefits isduring the annual benefits enrollment period each fall,or if you experience a qualified family status change(see below). Life insurance and long-term care benefitsrequire Evidence of Insurability (EOI) for late enrollees.Some new hire circumstances require additionaldocumentation. See table below for details.Changing Your CoverageIf you are a current, benefits-eligible Emory Healthcareemployee, each fall, you have the opportunity to reviewand update your benefit elections for the upcoming planyear. The IRS provides strict regulations about changesto pretax elections during the plan year; however,changes are permitted under specific circumstancescalled qualified family status changes, such as: Marriage, divorce or annulment, or death of spouseor dependent Birth of a child, placement of a foster child or childfor adoption with you, or assumption of legalguardianship of a child Change in your spouse’s or dependent’s employmentstatus that affects benefits eligibility You or your spouse returns from unpaid leave ofabsence You or your dependent becomes eligible or loseseligibility for Medicare or Medicaid Change in your employment that affects benefitseligibility Loss of eligibility for a dependent Change in dependent care provider or cost forDependent Day Care Flexible Spending AccountSee table below for events which require documentation.Family Status Change EventDependent loss of the state’s CHIP planDocumentation to SubmitA copy of the Certificate of Creditable Coverage or a terminationletter that lists the date your coverage endedJudgment, decree or court order allowing you to add ordrop coverage for a dependent childA copy of the court order awarding custody or requiring coverageLegally married couples with different last namesProof of marriage such as marriage certificate or jointly filed taxreturnDependent child with a last name different than yoursA copy of the birth certificate or a court document awarding custodyor requiring coverageDependent child over age 26 (also required whenenrolling for the first time as a new hire)Birth certificate AND a Social Security Disability Award or letter froma physician AND the parent’s tax return claiming the child (current orprevious year only)Employee with five dependents who adds a sixth ormore dependent (also required when enrolling for thefirst time as a new hire)Birth certificate AND either a court document or the tax return fromthe parent claiming the child must be submitted (current or previousyear only)Employee with a 50 age difference with dependent(s)(also required when enrolling for the first time as a newhire)Birth certificate AND either a court document or the tax return fromthe parent claiming the child must be submitted (current or previousyear only)Change of residence inside or outside of the plan areaA copy of your visa and/or passport that shows the date of entry orexit from the plan areaREMINDER: You must provide the documents listed above to the Employee Resource Center within 31 days from your initial electionor mid-year family status change if one of the above situations applies to you and your family. If documentation is not received in atimely manner, the election/change requested will not be processed and the affected dependents will not be covered under EmoryHealthcare’s plans. Legible copies of required documents are acceptable.09/182019 Benefits Enrollment Guide5

Benefits EligibilityContinuedIf you have a qualified family status change, you mustmake a change request within 31 days of the event, oryou will not be able to change your elections until thenext annual benefits enrollment period. The changerequest must be consistent with the qualifying event.To make a family status change, log in to e-Vantage onourehc.org and go to Self Service. Click on the Benefitstile and select Family Status Change.Coverage EndsFor most benefits, coverage for you and/or yourdependents will end on the last day of the month inwhich: Your regular work schedule is reduced to fewer than20 hours per week; Your employment with Emory Healthcare ends due toresignation, termination or death; or You stop paying your share of the coverage.Coverage for your dependents ends on the last day ofthe month that the dependent is no longer eligible. Fordependent children (up to age 26), this is the end of themonth in which they turn 26.62019 Benefits Enrollment Guide09/18

Tips for saving money on health careCommit to healthy living: Eat well, exercise and steer clear of unhealthyhabits such as smoking and excessive alcohol consumption.Use a Primary Care Provider (PCP): Patients with a PCP have bettermanagement of chronic diseases, lower overall health care costs anda higher level of satisfaction with their care. If you don’t have a PCP,you can find one by calling Emory HealthConnection at 404-778-7777 orgoing online at aetna.com/docfind/custom/emory.Use the Tier 1 Network: When looking for any type of health careprovider, select a Tier 1 network provider; your out-of-pocket costs will belower.Get preventive screenings: Annual well-visits with your PCP give anopportunity to work on health goals and provide necessary medicaladvice and identify health concerns before they become major issues.Consult with your doctor: Always ask your doctor about lower costalternatives for recommended care, services and prescriptions.Avoid the emergency room for non-emergencies: If you need to see adoctor after hours for a relatively minor issue, such as a sprained ankle or acold, use an urgent care facility or a CVS MinuteClinic instead of the ER.Use generic medications: Generic medications cost significantly less thanbrand; ask your doctor or pharmacist to prescribe generics wheneverpossible.Use a Flexible Spending Account or Health Savings Account: Theseaccounts save you money because deductions are made before state,federal and Social Security taxes are withheld from your paycheck.Employee ResourceCenter: 182019 Benefits Enrollment Guide7

Medical PlansEveryone’s health care needs are different. That’s why it’s important to carefully decide which medical plan will workbest for you. You have a choice of two medical plans – a Health Savings Account Plan and a Point of