Open Enrollment October 29 to November 16

Plan Year 2013

UHR Office of Employee Benefits

Topics We Will Cover

Medical Plan Prescription PlanDavis Vision Flexible Spending AccountsTax Deferred Savings

UVa Health Plan Enhancements:Preventive services will be covered at 100%, no office visit copay for preventive care at any participating provider.

Telemedicine services will be covered when provided by UVa providers.

Enhanced disease management programs with dedicated staff for UVa health plan participants.

UVa Health Plan Enhancements:

Lower out of pocket costs when using UVa providers

Continue with reduced copays on Primary Care, Specialist Care, Maternity Care, and Mental Health Office Visits For the Low Plan, the deductible is waived when using UVa providersWhere it applies, for the High Plan, the deductible is also waived for UVa providers

UVa Health Plan: Certain co-pays in the High plan are lowered for UVa providers and increased for other in-network providers:

Inpatient Hospital – decrease from $300 to $200 for UVa admissionsincrease from $300 to $400 for non-UVa admissions

Outpatient Procedures – decrease from $125 to $100 for services at UVa increase from $125 to $200 for non-UVa services

Home Health-Paid in full for UVa providersIncrease from paid in full to deductible and 10% for non UVa providers

UVa Health Plan Rates:

Premiums for active employees in the Low Premium Plan remain the same

Modest increase in premiums for active employees in the High Premium ($3/month for single, $12/month for family)

Premiums for retirees increase in both plans

UVa HEALTH PLAN Active Premiums 2013

2013 Low Premium

Program

2013 High Premium

Program

Employee SingleEE + childEE + spouseFamilyDouble State

$12$47$54

$116$80

$51$177$205$394$357

Prescription Plan changes

Change terminology from Generic, Preferred Brand, and Non-Preferred Brand to Tier 1, Tier 2, and Tier 3

Tier 1 most current generics and some cost- effective brand drugsTier 2 most brand drugs, or more costly or less desirable genericsTier 3 non-preferred brand drugs and some more costly generics

Prescription Plan Enhancements

Certain generic drugs will be covered at 100%:

birth control (Tier 1 and Tier 2 generics)aspirin for appropriate populations fluoride for children under 5 folic acid for appropriate populationsiron supplement for children under 1

Prescription Plan Enhancements

HealthyRx programWhen a participant is identified for a disease

management program and engages at the highest level, prescription copayments for Tier 1 and Tier 2 drugs will be reduced:

Retail: Tier 1 $0, Tier 2 $15Mail Order: Tier 1 $0, Tier 2 $30

Prescription Plan EnhancementsExpand Smoking Cessation Program

Waive Rx copayments for tobacco cessation drugs when enrolled in the Quit for Life Program

Provide coverage for 3 cycles of Chantix (each cycle is 180 days)

Prescription Plan changesRetail Costs (30-day Supply)

Tier 1 $6.00Tier 2 20% costsharing after deductible

(minimum $26, max $100)Tier 3 20% costsharing after deductible

(minimum $52, max $100)

For prescriptions filled at UVa, there will be no minimum dollar requirement.

Prescription Changes: Specialty

Change to a three tier structureTier 1 20% costsharing (minimum $100, max $200)Tier 2 20% costsharing (minimum $150, max $250)Tier 3 20% costsharing (minimum $200, max $300)

Lower cost sharing if using UVa Specialty PharmaciesTier 1 20% costsharing (max $50)Tier 2 20% costsharing (max $100)Tier 3 20% costsharing (max $150)

Mail Order Changes:

Mail Order (90-day supply)

Tier 1 $14

Tier 2 20%cost sharing(minimum $65, maximum $300)

Tier 3 20%cost sharing (minimum $130, maximum $300)

UVa Health Plan:Things to Consider

Monthly cash flowAverage annual health costsTolerance for unexpected/unplanned expenses Participation in the Flexible Spending Account ProgramHave an opportunity to change next year

UVA Health Plan:What Do You Do

If you wish to change programs, make your changes on line through Benefits@UVa self-service or PeopleSoft self-service

Complete all Open Enrollment changes by Friday November 16th

UVa Health Plan:Reminder about dependentsDrop ineligible dependents – On an audit completed in 2012, 6% of audited

dependents were found to be ineligible. Now is the time to remove former spouse and/or relatives other than legal spouse and children

Children who turn 26 this year will be automatically dropped 12/31/2012

Additional audits scheduled for 2013

Other Open Enrollment Items

Vision InsuranceDavis Vision

Flexible Spending Accounts Chard Snyder

Tax Deferred Savings Plan

Davis Vision Insurance

Automatic re-enrollment if you are currently enrolled in Davis Vision Insurance; must make change on line to drop coverageWho is eligible?Benefits-eligible academic and Medical Ctr employeesDo not have to be enrolled in the Health Plan to enroll in the Vision PlanOnce each calendar year you can receive

Eye Examination for glasses with a $30.00 copaySpectacle lenses and frames OR Contact lenses (enhanced formulary)

Employee only $6.29 per monthEmployee and child $11.01 per monthEmployee and spouse $11.33 per monthFamily $17.62 per month

Flexible Spending Accounts:General

You must re-enroll each year and now enroll on-line using Benefits@UVa or PeopleSoftPrograms are use or loseDebit card or claim form with direct depositOn-line account info available$2.75 per month administrative feeChanges limited based on qualifying eventsIf you are enrolled in 2012 and elect to re-enroll in 2013, you will use your current debit card. New debit cards will be issued.

Flexible Spending Accounts:Health

Minimum: $240; New 2013 Maximum: $2500.00Grace period until March 15th 2014 to incur claims ; until April 30th to file claimsCan be used for:

Drug copaysVision careCertain OTC costs (OTC medicines require prescription and manual claims submission) Uncovered dentalChiropractic services

Flexible Spending Accounts:Health, cont’d

Cannot be used for:Cosmetic surgeryPremiumsVitamins and herbal supplements

Flexible Spending Accounts:Dependent Care

Minimum: $240, Maximum: Depends on tax statusCan be used for:

Before & after school programsNursery school, preschool, in-home careSummer camp (not overnight)Adult daycare

Flexible Spending Accounts:Dependent Care, cont’d

Can not be used for:Child support paymentsEducational supplies or activity feesPrivate school tuition (after preschool)

The Dependent Care program is intended to allow both parents to work or attend school full-time.

Tax Deferred Savings:

The 2013 IRS limits will be released later this fall.

A post-tax Roth 403b will be available in 2013; stay tuned for more details.

Questions?

Contact the UHR Service CenterE:mail: openenrollment@virginia.eduMail: PO Box 400127; C’ville 22904-4127Phone: 434/982-0123 or MC 243-3344All changes must be made on line by Friday November 16