Welcome to Open Enrollment Saint Agnes Medical Center!

20 Pages·2014·0.19 MB·English

Welcome to Open Enrollment Saint Agnes Medical Center!
CHETrinityHealthandSaintAgnesMedicalCenterarepleasedtoprovideyouwiththeinformationyouwillneedtoenrollin
benefitsfornextyear. Throughouttherestofthiscommunication,youwillseeCHETrinityHealthandSaintAgnesMedicalCenter
referredtoassimplyCHETrinityHealth. Ifyouhavemorequestionsafterreviewingthisguide,refertothe“ForMoreInformation”
sectiontolearnwhereyoucangetanswers.
Who Is Eligible
What’s Inside
Benefit HoursRequirement Dependents Other
Medical, Regularlyscheduledfull-or Dependentchildrenareeligiblefor Newhires
What’sNewfor2015 2 dental part-timecolleaguewith40or coveragethroughtheendofthePlan mustsatisfy
andvision morebudgetedhoursperpay Yearinwhichtheyturnage26, therequired
coverage period regardlessofmaritalstatus,student waitingperiod
OtherInformationAbout 3
status,residency,financialdependency
Enrolling
orotherrequirementsprovidedthey
Eligibleadult:Youmaycoveryour
meetbothofthefollowingcriteria:
spouseorEligibleAdult.AnEligible
HealthCareReformUpdate 4
Adultisanadultwhoresidesandhas Theyare:
financialinterdependencewiththe (cid:129) Youroryoureligibleadult’snatural
MedicalCoverage 5 colleague,andisnotatax-qualified children;
dependentorrelatedbyblood, (cid:129) Youroryoureligibleadult’slegally
MedicalPlanHighlights 6 adoptionormarriagetothecolleague. adoptedchildrenorchildrenplaced
withyouoryoureligibleadultfor
adoption;or
MoreAbouttheHealth 8 (cid:129) Childrenforwhomyouoryour
SavingsPPO eligibleadultarethecourt-appointed
legalguardian.
Theyarenototherwisecoveredunder
TaketheHealth 9
thePlanoranyothergrouphealthplan
Assessment
offeredbytheEmployer
Flexible Regularlyscheduledfull-or Cansubmitclaimsforeligible Newhires
DentalCoverage 11
spending part-timecolleaguewith40or dependents mustsatisfy
accounts morebudgetedhoursperpay therequired
VisionCareCoverage 12 period waitingperiod
Life Regularlyscheduledfull-or Canelectcoverageforyourspouseor Newhires
FlexibleSpending 13 insurance part-timecolleaguewith40or eligiblechildren mustsatisfy
Accounts morebudgetedhoursperpay therequired
period waitingperiod
Long-term Regularlyscheduledfull-or Notapplicable
LifeInsurance 14
disability part-timecolleaguewith40or
morebudgetedhoursperpay
TimeAwayfromWork 15 period
VoluntaryBenefits 16 Verifying your dependents
Ifyouaddanewdependent,youmustshowtheappropriatedocumentstoyourHuman
ResourcesdepartmentbyNov. 19,2014. Toobtainafulllistofdocumentation
HowtoEnroll 17
requirementsandresourcesavailabletoobtainthisdocumentation,visityourbenefits
website.
ForMoreInformation 18
ImportantReminders 19
SaintAgnesMedicalCenter 1
What’s New for 2015
(cid:129) IfyouenrollintheHealthCareFlexibleSpending
Account(HCSA),youwillreceiveanewdebitcard
fromWageWorks,calledtheWageWorksHealth
Card. WatchforyournewcardinthemailbeforeJan.
1,2015. Your2015debitcardwillhavetheCHE
TrinityHealthlogoonit. Ifyoumadea2014HCSA
contribution,besuretoholdontoyourcurrent
WageWorksdebitcardbecauseitwillbethecardyou
needtousetoaccessyour2014HCSAthrough
March2015. Also,remembertocreateanewonline
accountatwww.wageworks.com.
(cid:129) CHETrinityHealthisofferingtwonewdentalplan
optionsthisyearadministeredbyDeltaDental–the
HighPlanandtheStandardPlan. Ifyouarecurrently
enrolledintoday’sPreferredHighplan,youwill
automaticallybemovedtothe2015Highplan. Ifyou
areenrolledintoday’sPreferredStandardplan,you
willbemovedtothe2015Standardplan. Youmay
electtochangeyourdentalplanduringOpen
Enrollment.
(cid:129) CHETrinityHealthisofferingtwonewvisionplan
optionsthisyearadministeredbyUnitedHealthCare
–theHighPlanandtheStandardPlan. Ifyouare
currentlyenrolledintoday’sSaintAgnesVisionplan,
youwillautomaticallybemovedtothe2015Standard
UHCVision. YoumayelecttomovetotheHighUHC
VisionplanduringOpenEnrollment.
(cid:129) Wearechangingourlifeinsuranceprogramto
harmonizeacrossthesystem. Thesechangesinclude
anincreaseinthecolleaguesupplementallife
election,additionofcolleaguesupplementalAD&D
coverageaswellasanewcoverageamountfor
spousesupplementallife.
2 SaintAgnesMedicalCenter
Other Information About Enrolling
If you don’t enroll
Ifyoudon’tmakebenefitelectionsonorbeforeNov. 12,2014,youwillautomaticallyreceiveadefaultpackageof
benefits,whichincludesthesameelectionsyouhavein2014formedical,lifeinsurance,anddisabilitybenefits. In
addition,ifyouarecurrentlyenrolledintoday’sDeltaDentalPreferredHighplan,youwillautomaticallybemovedtothe
2015DeltaDentalHighplan. Ifyouareintoday’sDeltaDentalPreferredStandardplan,youwillbemovedtothe2015
DeltaDentalStandardplan. Ifyouarecurrentlyenrolledintoday’sSaintAgnesVisionplan,youwillautomaticallybe
movedtothe2015StandardUHCVision. Yourcurrentelectionforthehealthcareanddependentcareflexible
spendingaccountsandVacationcash-outwillnotcarryover. Ifyourwishtoparticipateintheseprogramsnextyear
youmustcompleteyourenrollmentbyNov. 12,2014at12midnightEST.
Benefit elections are effectivefor the entire year
Remember,thebenefitsyouelectduringopenenrollmentwillbeineffectfromJan. 1throughDec. 31,2015. Open
enrollmentisyouronlyopportunityduringtheyeartomakeelectionsforyour2015benefitsunlessyouexperiencea
qualifiedfamilystatuschange.
Ifyouexperienceaqualifiedfamilystatuschangeorcertainemploymentstatuschangesandprovideanyrequired
documentationtoyourHumanResourcesrepresentativewithin30daysoftheevent,youwillbeallowedtomakecertain
benefitchangesaslongastheyareconsistentwiththestatuschange. Forexample,ifyougetmarriedduringtheplan
year,you’llbeabletoaddyourspouse/eligibleadulttoyourcoveragewithin30daysofthemarriage. Formore
informationonqualifiedfamilystatuschanges,visithttp://mybenefits.trinity-health.org.
Adding family members
Ifyou’readdingfamilymemberstoyourbenefitplanforthefirsttimeduringthisyear’sopenenrollment,you’rerequiredto
providewrittendocumentation(forexample,marriagecertificateorbirthcertificate)verifyingtheirdependentstatusto
HumanResourcesnolaterthanNov. 19,2014. Ifyoudon’tsubmittherequireddocumentationbythedeadline,your
dependentswillnotbeenrolledforcoveragefor2015,andyou’llberequiredtowaituntilnextyear’sopenenrollment
periodtoaddthemtotheplan–providedtheyremaineligible,andyouprovidewrittendocumentationverifyingtheir
dependentstatusatthattime.
YouarerequiredtoprovideaSocialSecuritynumberforeachofyourdependentsovertheageofoneinorderforthemto
becovered. PleaseprovideanymissingSocialSecuritynumberstoHumanResources.
Pleasenote,youhavetheoptiontopurchasecoverageforyourspouse/eligibleadultanddependents. Ifyouandyour
spouse/eligibleadultbothworkforCHETrinityHealth,andarebenefitseligible,youcannotelectdualcoverage(enrolled
asacolleagueandadependent). Inaddition,onlyoneofyouwillbeabletoelectcoverageforyourchild(ren).
Toviewthecompleteeligibilityrulesanddocumentationrequirementsforyouandyourfamilymembers,visit
http://mybenefits.trinity-health.org.
Choose your Primary Care Physician (PCP)
MaintainingarelationshipwithyourPCPisimportantbecausetheyaretrainedtorecognizeanyhealthproblemsyoumay
have. APCPisthedoctoryouseeformostservices,includingannualcheck-ups. YourPCPcanalsohelpyouidentify
andmeetyourhealthgoalsandhelpyoupreventserious,long-termhealthconditions. And,byfollowingtheirpreventive
recommendations,theycanhelpkeepyourhealthcarecostslow. CHETrinityHealthencouragesyoutoselectaPCP
anddeveloparelationshipwiththem. Tofindanin-networkphysicianandprovider,visityourbenefitswebsite.
SaintAgnesMedicalCenter 3
Update on the Affordable Women’s Preventive Care under the Affordable
Care Act Care Act
Eachyearduringopenenrollment,CHE PartoftheAffordableCareAct(ACA)(alsoknownashealthcarereform)
TrinityHealthgivesanupdateonthe requiresemployerstocovercertainwomen’spreventivecareservices,
healthcarereformlaw,officiallycalledthe includingcontraception,underhealthinsurancebenefitsatnocharge.
AffordableCareAct(ACA).
AsahealthministryoftheCatholicChurch,wehaveengagedinextensive
Thelawwasputinplacetomakesure advocacywiththesupportoftheCatholicHealthAssociation,tofindan
citizenshaveaccesstohealthinsurance acceptableresolutiontothisissue.
theycanafford. SinceJan. 1,2014,the
ThefinalrulesfromtheU.S.HealthandHumanServices,Treasuryandthe
lawhasrequiredthatmostU.S.citizens
DepartmentofLaborgiveanaccommodationtocertainreligiousand
andlegalresidentalienshavehealth
religiously-affiliatedorganizations,likeCHETrinityHealth,toprovidean
insurancewhethertheygetitfroman
exemptionfromtherequirementtoprovidecontraceptivecoverageto
employer,aprivateinsurancecompanyor
employeesaspreventivehealthservices.
fromthegovernment. Iftheydonothave
Theintentoftherulesistoaccommodatethemoralperspectivesofcertain
healthinsurance,theymayhavetopaya
religiously-affiliatedemployerswhilealsoprovidingforthepreventivehealth
taxpenalty.
careneedsoftheiremployeeswhomaynotsharetheemployers’religious
AsacolleagueatCHETrinityHealth,here
beliefs.
ishowthelawmayaffectyou:
In2015,yourmedical/pharmacybenefitproviderwillcontinuetoprovide
(cid:129) CHETrinityHealthwillcontinuetooffer
thesebenefitsasmandatedbytheACA.
healthinsuranceforU.S.colleagues
whoarebenefitseligible.Duringopen CHETrinityHealthcolleagueswillbeprovidedwithaccesstothesebenefits,
enrollment,youcanchoosetheCHE buttheywillnotbepaidforbyCHETrinityHealthoritshealthplans. Contact
TrinityHealthmedicalplanthatworks yourmedical/pharmacybenefitproviderforfurtherdetails.
bestforyouandyourfamily.
(cid:129) EffectiveJan. 1,2015,asaresultofthe More about the Clinically-Integrated Network
ACA,employerswillberequiredtooffer
AClinically-IntegratedNetwork(CIN)joinslocalphysiciansandhealthcare
medicalandprescriptioncoverageto
providersthathavemadeadecisiontopartnerwithaRegionalHealth
employeeswhoworkmorethan30
Ministry(RHM)todeliverservicesfocusedonhighqualityandcost-efficient
hoursaweekormorethan130hours
caredesignedtoimprovethehealthofthoseweserve.
permonth. Colleagueswhoworkan
averageof30hoursaweekovera SeekingcarewithintheCINcanhelpyouandyourphysicianmakehealth
rolling12-monthperiodwillbeeligible caredecisionsthatensurethatyouareaccessingtherightcare,attheright
formedicalcoveragethroughCHE timeintherightsetting. Inaddition,byutilizingourCINyouwillpaylessout
TrinityHealth. ofpocketforthecareyoureceive,becausealloftheCINprovidersareinour
(cid:129) ACHETrinityHealthmedicalplanmay Tier1network.
beyourbestoptionforcoverage.
TheAffordableCareActischangingthewayweprovidecare. Asaresult,
Youwillprobablycontinuetohearalot therehavebeenmanychangesdesignedtohelpincreasehealthcarequality
aboutthehealthinsurancemarketplace andreducethecostinordertomakeitmoreaffordable.Ourhealthcare
thathasbeensetupineachstatetohelp organizationischanginginordertodeliverbettercareatareducedcostand
peoplefindhealthinsurancefor2015. If withanimproved,people-centeredcareexperience.
youarebenefitseligible,aCHETrinity
Therearealotofchangeshappeningonthehealthcarelandscape. We
Healthmedicalplanwilllikelybethemore
believeputtingtheminplacewillbetterpositionourorganizationtokeepour
cost-effectiveoption.
colleaguesandtheirfamilieshealthier,fulfillourMission,meetournation’s
CHETrinityHealthwillcontinue needsandimprovethehealthofthemillionsofpeopleandthehundredsof
communicatingwithyouaboutyour communitiesweserve.
benefitscoverageasweremaincommitted
Ifyouhavequestionsaboutthesechanges,pleasecontactyourHuman
toprovidingyouwiththelatestinformation.
Resourcesrepresentative.
Inthemeantime,ifyouhavequestions,
pleasecontactyourHumanResources
representative.
4 SaintAgnesMedicalCenter
Medical Coverage
Watch the Video
CHETrinityHealthisofferingyouthreemedicalplanchoicesfor2015which
to Learn More supportsoureffortstoprovideacommonexperienceforallcolleaguesandprovide
meaningfulchoices. AllthreeplansareadministeredbyBlueCrossBlueShieldof
MichiganwithabenefitincentivetouseaTier1provider.
ThethreemedicalplanoptionsaretheTraditionalPPO,theHealthSavingsPPO,
andtheEssentialPPO.Eachplanoffersthesethreetierssoyoucanpaylessby
receivingcarefromnetworkproviders.
(cid:129) Tier1,ortheCHETrinityHealthnetworkproviders,arefacilitiesorphysicians
Scanthetagwithyour
alignedwithourorganizationthatprovideyouwiththemostcost-effective
smartphonetodownload
care.
andviewavideoabout
(cid:129) Tier2includesallotherBlueCrossandBlueShieldProvidersnotlistedunder
your2015medicalplan
Tier1. Tier2providerscansaveyoumoney,butnotasmuchasusingour
choices. Getthefree
Tier1network.
mobileapplicationat
http://gettag.mobi.Ifyou (cid:129) Tier3providersareout-of-networkprovidersandthisTierprovidesthelowest
don’thaveasmartphone, levelofcoverage. Youcanusethesefacilitiesandphysiciansforcare,butyou
visityourbenefitswebsite willpaythemostoutofyourpocketwhenyoudo.
toviewthevideo.
How the medical plan works
TraditionalPPO
IfyouelectcoverageundertheTraditionalPPO,youpayforaportionofthemedicalservicesyoureceive
untilyoumeettheannualdeductible. Then,coinsurancebeginsuptotheannualout-of-pocketmaximum.
HealthSavingsPPO
WiththeHealthSavingsPPO,youpaymuchlessperpayperiodforcoverage–leavingmoremoneyin
yourpaycheck–andyouhaveaccesstoaHealthSavingsAccount(HSA)tohelppayforcurrentandfuture
medicalexpenses. Here’showitworks:
IfyouenrollintheHealthSavings
Youpaythefullcostofmedicalandprescription
First PPO,youwillautomaticallyhave
expensesuntilyoureachtheannualdeductible(Note:
anHSA.CHETrinityHealthand
preventivecareservicesandcertainpreventive90-day
SaintAgnesMedicalCenter
genericprescriptionsdonotrequireyoutopaythe
contributestoyourHSAtohelp
deductible).
youpayforexpensestowardyour
annualdeductibleand
Onceyoumeetthedeductible,youpaycoinsuranceuntil
Second
out-of-pocketmaximum. Youcan
youreachtheout-of-pocketmaximum.
alsocontributetothisaccountto
buildsavingsforcurrentand
Onceyoureachtheout-of-pocketmaximum,CHETrinity
Third
futuremedicalexpenses. We
Healthpays100%ofallremainingeligibleexpenses
encourageyoutoconsultwitha
duringtheyear.
taxadvisorforIRSrulesandtax
TolearnmoreabouttheHealthSavingsPPO,seepage6ofthis
implicationsrelatedtoHSAs.
enrollmentguide.
EssentialPPO
TheEssentialPPOworksthesameastheTraditionalPPOwhereyoupayaportionofthemedicalservices
youreceiveuntilyoumeettheannualdeductible. Then,coinsurancebegins. IfyouelecttheEssentialPPO,
youpaylessinpremiumcontributionsthanintheTraditionalPPO,however,yourout-of-pocketcostsare
higher.
SaintAgnesMedicalCenter 5
Medical Plan Highlights
Formoreinformationaboutyourmedicalplanoptions,visityourbenefitswebsite.
MedicalPlan TraditionalPPO HealthSavingsPPO EssentialPPO
Highlights Tier1 Tier2 Tier3 Tier1 Tier2 Tier3 Tier1 Tier2 Tier3
CHETrinityHealth- N/A HealthSavingsAccount(HSA) HealthReimbursementAccount(HRA),
fundedaccount ifyouqualify
Single $650 $750
Family $1,300 $1,500
Annual
deductible
Individual $250 $750 $1,500 $1,300 $2,500 $3,500 $1,000 $2,500 $4,000
Family $500 $1,500 $3,000 $2,6001 $5,0001 $7,0001 $2,000 $5,000 $8,000
Coinsurance 10%* 20%* 40% 10%* 20%* 40%of 20%* 30%* 40%
R&C* R&C* R&C*
Preventivecare 0%no 0%no 40% 0%no 0%no 40% 0%no 0%no 40%
deductible deductible R&C* deductible deductible R&C* deductible deductible R&C*
Officevisit PCP:$20 PCP:$30 40% 10%* 20%* 40% 20%* 30%* 40%
Specialist: Specialist: R&C* R&C* R&C*
$30 $40
bug
Urgentcarevisit 0%after$35copay 10%* 0%after$40copay
Emergencyroom 0%after$100copay 10%* 0%after$100copay
Inpatient None** $500** $1,000** None** $500** $1,000** None** $750** $1,000**
admission
Outpatient $50** $100** $200** None** $100** $200** $50** $100** $200**
admission
Out-of-pocket
maximum
(includesdeductible,
copayments,and
coinsurance)
Individual $2,500 $4,750 $9,500 $2,600 $5,000 $7,000 $3,500 $5,500 $9,000
Family $5,000 $9,500 $19,000 $5,200 $10,000 $14,000 $7,000 $11,000 $18,000
Prescriptiondrug
Retail/In-house
pharmacy
(34-daysupply)
Generic $10 $10
†
Brandformulary 20%($30min.,$80max.) 20% ,0%afterout-of-pocketmax. 25%($30min.,$80max.)
Brandnon-formulary 40%($60min.,$100max.) (Deductibleandout-of-pocketmax. 50%($60min.,$120max.)
basedonTier1)
(90-daysupply)
Generic Mail$25/In-house$30 Mail$25/In-house$30
Brandformulary 20% 25%
†
Mail($75min.,$200max.) 20% ,0%afterout-of-pocketmax. Mail($75min.,$200max.)
In-house($90min.,$240max.) In-house($90min.,$240max.)
Brandnon-formulary 40% 50%
Mail($150min.,$250max.) (Deductibleandout-of-pocketmax. Mail($150min.,$300max.)
In-house($180min.,$300max.) basedonTier1) In-house($120min.,$360max.)
1Thefullfamilydeductiblemustbemetevenifonlyonepersoninthefamilyisreceivingcare.
*Subjecttodeductible.
**Subjecttodeductibleandcoinsurance.
†
Select,genericpreventivedrugsarecoveredat100%andarenotsubjecttotheannualdeductible.SeeMyBenefitsforthe
completelistofeligibledrugs.
6 SaintAgnesMedicalCenter
Paying for medical coverage
ContributionlevelsforthemedicalplansarebasedontheSocialSecuritytaxablewagebase($117,000for2014,indexed
annually)toensureourbenefitplancost-sharingmodelisappropriatelyalignedwithourcolleagues’incomelevels. Theamount
youpayformedicalcoverageisbasedonyourannualbasesalary(yourbaserateofpaytimesyourbudgetedhours)andyour
participationintheHealthAssessment(HA).Ifatanytimeduringthe2015planyear,youearn$117,000ormore,youwillpaya
higherpremiumcontributionperpayperiodforyourmedicalinsurance.
TraditionalPPO HealthSavingsPPO EssentialPPO
Full-time Part-time Full-time Part-time Full-time Part-time
bug
Yourperpay With Without With Without With Without With Without With Without With Without
periodcost HA HA HA HA HA HA HA HA HA HA HA HA
bug
Colleagueonly
Colleagueplus
spouse/eligible
adult PleasecontactyourHumanResourcesrepresentativeformedicalplanrates.
Colleagueplus
child(ren)
Colleagueplus
family
Need help with your health care costs?
YoumaybeeligiblefortheEssentialPPOAssistplanifyoumeetcertainincomerequirements. Itisthe
sameastheEssentialPPO,butincludesaCHETrinityHealth-fundedHealthReimbursementAccount
(HRA),tohelpyoupayforyourhealthcarecostsatthetimeofservice. Youdonotmakecontributionsto
theHRAundertheEssentialPPOAssistplan. ToparticipateintheEssentialPPOAssist,youmustapply
forandmeetspecificincomeandeligibilityguidelines. Tolearnmoreaboutthequalificationspleasesee
theapplicationformonMyBenefits. YoucanapplyfortheEssentialPPOAssistbycompletingan
applicationformandsubmittingitwithacopyofyourmostrecentFederalIncomeTaxForm1040or
1040EZtoHumanResourcesbyNov. 19,2014.
NOTE:EvenifyouthinkyouqualifyfortheEssentialPPOAssist,youshouldelectthemedicalplanyou
thinkwillbebestforyouandyourfamily–whichcouldbetheTraditionalPPO,theHealthSavingsPPO,
ortheEssentialPPO.IfyouqualifyfortheEssentialPPOAssistplan,youwillbemovedtotheEssential
PPOAssistplan. Otherwise,youwillremainintheplanyouelectedduringopenenrollment.
SaintAgnesMedicalCenter 7
More about the How the Health Savings Account (HSA) works
Health Savings WhenyouenrollintheHealthSavingsPPOplan,youautomaticallyhaveaHealthSavings
Account(HSA)throughHealthEquitytohelpyoupayforcurrentorfuturehealthcarecosts.
PPO
CHETrinityHealthwillmakeafullcontributiontoyouraccountinJanuarybasedonthe
TheHealthSavingsPPO coveragelevelyouelect. Inaddition,youcanalsocontributetothisaccountuptoIRSlimits:
isaconsumer-driven
CoverageLevel CHETrinityHealth YourVoluntary TotalIRSAllowed
healthplanwhichgives
SaintAgnesMedicalCenter Contributions*† HSAContributions
youtheopportunityto Contributions†
participateinaplanwhere Colleagueonly $650 $2,700 $3,350
yourhealthcarecostsare Allothercoveragelevels $1,300 $5,350 $6,650
morecloselydetermined *Ifyouare55orolder,youcancontributeanadditional$1,000incatch-upcontributionstoyourHSA.
byyourdecisions. Here †Maybesubjecttostatetaxation.
aresomereasonsto
Questions about the HSA
considerchoosingthe
HealthSavingsPPOin HowdoIgetanHSA?TobeeligiblefortheHSA,youmustenrollintheHealthSavings
2015: PPO.Inaddition,youcannothavecoverageunderanyothermedicalplan,suchasMedicare,
TRICARE,orcoveragethroughaspouse’shealthplan.
“
IlikedthatIsaved
WhocanusefundsinmyHSA?Youandyourdependentscanpayformedical,dentaland
moneyinpremium
visionexpenseswithfundsinyourHSA.Dependentsmustbeclaimedonyourtaxreturn.
contributions–
spendingmoney WhywouldIcontributetomyHSA?ContributionstotheHSAareagreatwaytosaveon
onlywhenIused taxes. WiththeHSA,youdonotpaytaxesontheamountyoucontributethroughpayroll
medicalcare.” deductions,theamountyouwithdrawformedicalexpenses,andtheinterestyouearninthe
account(uptoamountssetbyfederallaw). Keepinmindthatyoucanchangetheamountyou
“
Icanreallysave contributetoyourHSAatanytimeduringtheplanyear.
formyhealthcare
HowcanIusethemoneyinmyHSA?YoumayusetheHSAtopayforqualifiedmedical
expenseswhenI
expensesnowandduringretirementforyouandyourqualifieddependents.
usetheHSA.”
HowdoIpayformedicalexpenseswithmyHSA?Whenyoureceiveeligiblehealthcare
“
It’sgreatthatCHE services,youcanpayforthoseserviceswithyourHSAdebitcard,orthroughseveralonline
TrinityHealthmakesits andsmartphoneappoptions. You’llreceivemoreinformationaboutyourpaymentoptionsif
fullcontributiontomy youenrollintheHealthSavingsPPOwiththeHSA.
HSAinJanuary.” WhathappensifIdon’tuseallthemoneyinmyHSAeachyear? Anymoneyyoudo
notuseduringtheyeariscarriedover,withoutanylimits. Remember,youownthemoneyin
“
Forcertaingeneric yourHSAanditisyourstokeep–evenwhenyouchangejobsorretire.
preventivedrugs,I
CanIenrollintheHealthCareSpendingAccount(HCSA)ifIhaveanHSA?When
didn’thavetopaymy
youenrollintheHealthSavingsPPOwhichincludestheHSA,youwillnothaveaccesstothe
deductiblebeforethe
healthcarespendingaccount(HCSA).However,theHSAmaybeseenashavingmore
planstartedpaying
advantagesovertheHCSAincluding:
thoseexpenses.”
(cid:129) Theopportunitytocarryoversavingsfromyeartoyear–youdonotforfeitanyamountin
yourHSAattheendoftheplanyear(ifyouarecurrentlyenrolledintheHCSA,youmust
How the utilizeyouraccountfundsbyDec. 31,2014);
deductible works (cid:129) Contributionsofupto$6,650†intax-freeHSAdollarseachyear(theHCSAmaximumis
TheHealthSavings $2,500);
PPOPlanincludesa (cid:129) YourHSAdollarsaresavedinabankaccountthatmayearninterest.
combineddeductible.
HowdoIknowiftheHealthSavingsPPO,includinganHSA,isrightforme? Your
Acombined
medicalplanchoicedependsonyourpersonalsituation. Ifyouanswer“yes”tosomeofthese
deductiblemeansthe
questions,theHealthSavingsPPOplanisrightforyou:
fullfamilydeductible
mustbemetevenif (cid:129) Wouldyouliketohavelowerperpayperiodcontributionsdeductedfromyourpaycheck?
!
onlyonepersonin (cid:129) Doyouwanttosaveontaxesbycontributingtothe
thefamilyisreceiving
HSAforyourhealthcarecosts?
care. Coinsurance (cid:129) Doyouneedawaytopayforfuturehealthcarecosts? Formoreinformationaboutthe
HealthSavingsPPO,includingthe
beginsoncethe
(cid:129) CanyouseeyourHSAbalancegrowingasyoukeep HealthSavingsAccount(HSA),
combineddeductible
visitwww.healthequity.comor
makingcontributionseachyear?
hasbeenmet. http://mybenefits.trinity-health.org.
WeencourageyoutoconsultwithataxadvisorforIRS
rulesandtaximplicationsrelatedtoanHSA.
8 SaintAgnesMedicalCenter
Take the Health Assessment
TheHealthAssessment(HA)asksaboutyourhealthhabitsandlifestyletohelpidentifysomeofyourhealthneeds. Your
answersarekeptsecureandconfidential;summarydataisusedtoidentifyareasoffocusforfuturewellnessandprevention
programs.
Whenyouandyourcoveredspouse/eligibleadulttaketheHAyouwillmaintain your30percentpremiumcontributiondiscount
fortherestof2015. ForcurrentBlueCrossBlueShieldusers,youandyourcoveredspouse/eligibleadultcantaketheHAfrom
Oct. 1,2014throughJan. 31,2015. Yourcoveredspouse/eligibleadultmustregisterseparatelyusingtheirBlueCross
BlueShieldIDcard. NewBlueCrossBlueShielduserswillbeabletotaketheHAfromJan. 1throughJan. 31,2015because
yourBlueCrossBlueShieldbenefitwillnotbeavailableuntilJan. 1,2015.
Informationcollectedinthisassessmentwillnotaffectyourparticipationintheplanornegativelyimpactyourhealthcarecosts.
Itwillbekeptconfidentialandsharedonlywiththosewhowillhelpcolleaguesmakechoicesthatimprovehealthandqualityof
life,andmaybeusedtodevelopfuturehealthandwellnessprogramsforcolleagues.
Tocontinuereceivingtheperpayperioddiscountedpremiumcontributionsfortheremainderoftheyear,bothyouandyour
coveredspouse/eligibleadultwillneedtocompleteanonlineHealthAssessmentatBCBSM.combyJan. 31,2015. NOTE:
Remembertoretainproofofcompletionforyourrecords.
Here’s how to complete the HA:
1
Logontowww.bcbsm.com.
2
UnderHealthandWellnesstab,clickon“BlueHealthConnection.”NOTE:Youwillreceivea
screenthatindicates“youareleavingthiswebsite.”Thisiscorrect,clickOK.
3 Answerthequestionsonthescreensandclick“Continue”oneachscreen.Ifupdatinga
currentHA,besuretoupdateatleastonefieldintheassessmentsoitwillreflectthemost
recentdate.
4 Onceyouarefinishedansweringthequestions,youwillbeprovidedanoverallriskscore.
Thefollowingscreenshaveinformationforyoutotakebettercontrolofyourhealthrisks
andlifestylebehaviors.
5
Caution–theassessmentisnotcompleteuntilyouseeyourcertificateonthescreen.
Printthisandkeepitforyourrecords.
6
Ifyouhavequestionsregardingyourhealthassessmentorareexperiencingdifficulties
loggingintoBCBS,contactBCBSWebsupportat1-888-417-3479.
Remember,ifyoudonotcompletetheHAbyJan. 31,2015,yourperpayperiodpremiumcontributionswillincreasebeginning
withthefirstpaythatincludesMar. 1,2015,andcontinuethroughtheremainderofthe2015planyear. Youwillnothavethe
optiontoloweryourpremiumcontributionsuntilthe2016planyear.
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Be a smart health care consumer
Asyouknow,thecostofhigh-qualityhealthcarecontinuestoincreaseeachyear. Beingasmartconsumermeans
gettingthebestpriceonsomethingyouneed,whetherit’sanewcarorhealthcare.
Beingasmarthealthcareconsumerdoesn’tmeanyoushouldavoidtripstothedoctor–itmeansmakingthebest
decisionsaboutwhentogotothedoctor. Regularcheckupscanimproveyourhealthandextendyourlife. Bygetting
therecommendedexamsandtests,youincreaseyourchancesofdiscoveringproblemsbeforeanillnesssignificantly
affectsyourhealth. Plus,preventivecareisbeneficialnotonlytoyourphysicalwell-being,italsomakessenseforyour
financialhealthbecausegenerally,it’scoveredbyyourmedicalplan. Formoreinformationonpreventivecarebenefits,
visithttp://mybenefits.trinity-health.org.
AneasywaytobeasmarthealthcareconsumeristochooseaCHETrinityHealthTier1providerwhenyouora
familymemberneedsmedicalcare. Besidesreceivingexcellentcareatourownfacilities,youreceivethehighestlevel
ofbenefitswhilepayingthelowestavailablecopaymentandcoinsuranceamounts.
Maintenance Choice program for your maintenance medications
Ourprescriptiondrugplanrequiresthatyoureceiveyourmaintenancemedications*in90-daysuppliesthrough the
CVSCaremarkMailServicePharmacyoralocalCVSPharmacy. Onceyoureachyourplanlimit(initialfilland2
refills)forfilling30-daysuppliesataretailpharmacy,youwillpaythefullcostofyourmedicationsifyoudonotmove
yourprescriptiontooneofthelong-termoptionslistedhere.
*Amaintenancemedicationisalong-termmedicationtakenregularlyforchronicconditionsorlong-termtherapy.
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