2016 Health Benefits
October 2015
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Health Care Advisory Committee • Bruce Arick (Finance/Administration) • Anita Watts (HR) • Randal Brown (HR) • Jeanne VanTyle (Faculty) • Todd Hopkins (Faculty) • Gabriela Muniz (Faculty) • Nandini Ramaswamy (Staff) • Carrie Maffeo (Faculty) • Sheri Alexander (Gregory & Appel) • Chad Morris (Gregory & Appel)
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2016 Health Plan Rate Increase
Premium Increases for 2016 Plan
Year: 0% !!!!
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2015 Wellness Initiatives • Healthy Horizons Comprehensive
Wellness Plan – $100 incentive for annual confidential
wellness consult – $150 additional incentive for proactive
management of primary health risk factors – $250 total potential incentive
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2015 Wellness Initiatives • Healthy Horizons Focused Disease
Management – Confidential assistance in proactive
management of asthma/COPD, diabetes, and cardiovascular disease (CVD)
– Free access to routine lab tests, counseling, disease management, and education
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2015 Wellness Initiatives • Health & Recreation Complex (HRC) Employee
Wellness – Subsidy
• $250 annual membership versus $614, no minimum usage required.
• $3 versus $7 per visit
– Incentives • $25 /year for Physical Fitness Assessment • $5 discount /session of personal training • 50% discount /session for Dietitian Services 6
2015 Wellness Incentives • Total Incentives Pay 1/1 – 9/30/2015
Approximately $73,700
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2015 Overview-Healthy Horizons The purpose is to promote healthy living by providing a comprehensive and confidential wellness package to Butler faculty and staff and now expanding to your spouse or domestic partner. • Participants in Physical Activity, Rewards, Financial Wellness & Stress Reduction
Programs: 430 (January 1 – September 14, 2015) • Annual Wellness Consult Includes:
– Health Screening (cholesterol, blood pressure, blood glucose, weight assessment) – Health Risk Assessment – Personalized Action Plan with Health Goals
• Annual Wellness Consults: 275 Representing 315 • Health Management Appointments: 910 Unique Individuals
– Includes: Blood pressure, cholesterol, medication, and weight management – INR (warfarin) monitoring – Health Coaching
www.butler.edu/healthy-horizons 8
2015 Overview - HRC • Faculty/Staff Memberships @ 130, an increase of
approximately 44% over 2014 • Personal Training
– 338 YTD versus 255 in 2014 • Dietitian Sessions
– Doubled in Spring 2015 versus Fall 2014 • Physical Fitness Assessments
– 30 YTD versus approximately 5/year
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2015 Overview-HealthAdvocate One, toll-free number supporting all health and benefit needs… delivered by a dedicated, specialized team of clinical and benefit experts to assist you with health care and insurance-related issues.
-340+ Interactions (calls and emails) -104 hours
(Jan-Aug ‘15)
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2015 Overview-Castlight Health The health care shopping and quality transparency tool that allows you to take charge of your health care. • Registration rate: 45% • Return usage: 26% • Total searches: 4,332 • Total unique visits to website: 603 • Number of page views per user per session: 14 (Sept. ‘14 – Aug. ‘15)
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Health Care Reform 1/1/2016?
Employer Reporting of Health Coverage • Employers with 50 or more employees will be
required to provide information to the IRS and employees about the health plan coverage they offer to their employees in 2015.
• Employers will be required to provide health care benefits to certain part-time employees that qualify under new Health Care Reform guidelines. (Form 1095-C)
http://www.irs.gov/uac/Patient-Centered-Outcomes-Research-Trust-Fund-Fee:-Questions-and-Answers 12
2016 Vendor Partners Returning Partners • Medical/Vision – Anthem • Dental – Delta Dental • Health Savings Account – HSA Authority by Towers
Bank (Old National Bank) • Life, STD, LTD, and EAP – One America • Castlight • Health Advocate (Under review) New Partners • Flexible Spending – Discovery Benefits
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Flex Spending/Discovery Benefits
Benefits of Flex Spending
• Tax Deferred • Debit Card Convenience • Note Maximum
– Health $2,550 – Dependent Care $5,000
Past Flex Spending Issues
• Delayed reimbursements • Co-pay substantiation • Repeat claim substantiation • Declining customer svc. &
communication
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Health Plan Participation 2015 2014 2013
• Core 431 446 446 • Buy-Up 138 132 106 • Plus 150 169 205 • CDHP 154 125 89 • Total 873 872 846 (as of September 30, 2015 projected)
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Health Plan Performance
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($ in 000’s) 2009 2010 2011 2012 2013 2014 YTD 2015*
Participants
772 804 823 834 846
871 873
Annual Plan Surplus/(Deficit) ($537) $724 $795 ($221) ($429) $49 $1,378
Cumulative Surplus/(Deficit) $187 $982 $761 $332 $381 $1,759
% of Total Plan Costs 3% 12% 8% 3% 4% 28%
Total Plan Costs $7,096 $6,763 $7,996 $8,989 $9,681 $10,019 $7,145
Total Funding $6,559 $7,487 $8,791 $8,768 $9,252 $10,068 $8,523
Butler Contribution $4,985 $5,690 $6,691 $6,735 $7,116 $7,811 $6,700
Participant Contributions $1,574 $1,797 $2,101 $2,034 $2,136 $2,257 $1,823
Butler Contribution % 76% 76% 76% 77% 77% 78% 79%
Participant Contribution % 24% 24% 24% 23% 22% 22% 21%
*Through 9/30/2015 projected
2014-15 Plan Benchmarks
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PPO Plans
Core Buy-Up ^ Plus Butler Ave. CUPA Benchmark CDHP CUPA Benchmark
Single Family Single Family Single Family Single Family Single Family Single Family Single Family
Deductibles $ 1,250 $ 3,125 $ 1,000 $ 2,500 $ 750 $ 1,875 $ 1,000 $ 2,500 $ 500 $ 1,000 $ 2,000 $ 4,000 $ 1,800 $ 3,750
OOP Maximums $ 3,750 $ 7,500 $ 3,000 $ 6,000 $ 2,250 $ 4,500 $ 3,000 $ 6,000 $ 2,800 $ 6,000 $ 4,000 $ 8,000 * $ 3,500 $ 7,000
Coinsurance 25% 25% 20% 20% 20% 20% 22% 22% 20% 20% 20% 20% 10% 10%
Office Visit $ 30 $ 30 $ 20 $ 20 $ 20 $ 20 $ 23 $ 23 $ 25 $ 25
Specialist Visit $ 50 $ 50 $ 40 $ 40 $ 40 $ 40 $ 43 $ 43 $ 30 $ 30
Emergency Room $ 175 $ 175 $ 175 $ 175 $ 175 $ 175 $ 175 $ 175 $ 100 $ 100
Employer HSA Contr. $ 750 $ 1,500 $ 700 $ 1,200
Total Monthly Cost $ 571 $ 1,407 $ 643 $ 1,586 $ 734 $ 1,810 $ 649 $ 1,601 $ 600 $ 1,587 $ 499 $ 1,301 $ 477 $ 1,329
Monthly EE Contr. % 6.5% 29.6% 13.2% 35.2% 17.8% 38.6% 12.9% 34.9% 19% 30% 6.0% 24.7% 13% 24%
Monthly EE Contr. $ $ 37 $ 416 $ 85 $ 559 $ 131 $ 698 $ 84 $ 558 $ 114 $ 476 $ 30 $ 335 $ 62 $ 319
Butler Plan Data for 2014 * Changed to $6,850 effective 1/1/2016 ^ Buy-Up Plan eliminated effective 1/1/2016
2016 Health Plan Changes • Consolidate Buy-Up & Plus PPO Plans
– Eliminate Buy-Up; Maintain Plus, Core, and CDHP
• Decrease CDHP Family Out-of-Pocket Maximum from $8,000 to $6,850 to meet Health Care Reform requirement.
• Same-Sex Domestic Partner Access – Same-sex Domestic Partner Participants currently enrolled
in the health plans will continue to be covered as unmarried domestic partners.
– Effective January 1, 2016 health plan access available to employees, spouses, and qualified dependents.
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Future Considerations • Additional Incentives • Salary-Based Premium Contributions • “Working-Spouse” Rule
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How can you continue to help?
• Participate in 2016 Confidential Wellness Initiatives. • Participate in Family Age-Appropriate Preventive Maintenance
Medical Services • Continue using Castlight Health to evaluate quality and value
options • Continue using Health Advocate for claims assistance, benefit
education and as a medical and prescription advocate • Get your Flu Shot this fall
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Future Dates • Health Care Forums
– October 21, 2015 @ 3:00 p.m. in JH-141 – October 22, 2015 @ Noon in PB-204
• Benefits Open Enrollment – November 2 – November 16, 2015 – Paper packets released October 26, 2015 – See www.Butler.edu/HR for presentations
and computer lab dates and times 21
Questions?
Prize Drawings
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