Schreiner University
Employee Benefits Enrollment Guide
PLAN YEAR
June 1, 2015 – May 31, 2016
Welcome to Open Enrollment for
your FY 2016 Benefits!
Elections you make during open enrollment will become effective
June 1, 2015.
Schreiner University offers you and your eligible family members a
comprehensive and valuable benefits program. We encourage you
to take the time to educate yourself about your options and choose
the best health coverage and other benefit options for you and your
family.
Who is Eligible for Benefits?
If you are a Schreiner University full-time or ¾ time employee
(working 30 or more hours per week), you are eligible to enroll in the
benefits described in this guide.
When to Enroll
The open enrollment period runs from April 8 through May 15, 2015.
The benefits you elect during open enrollment will be effective from
June 1, 2015 through May 31, 2016.
How to Enroll
The first step is to choose the plan options that are right for you and
your family. Renewal of medical and dental benefits will be made
online. Paper enrollment forms are available for Flexible Spending
Account elections, Voluntary Life Insurance through Principal Life
Insurance, Vision coverage through EyeMed, Legal/Identity Theft
Shield through LegalShield, and AFLAC supplemental products.
Once the open enrollment period ends, you will not be able to make
changes until the next open enrollment period unless you have a
qualified change in status.
Return paper enrollment forms to the Human Resource Services
office.
Change in Status
Unless you have a qualified change in status, you cannot make
changes to the benefits you elect until the next open enrollment
period. Qualified changes in status include: marriage, divorce, legal
separation, birth or adoption of a child, change in child’s dependent
status, death of spouse, child or other qualified dependent, change
in residence due to an employment transfer for you or your spouse,
commencement or termination of adoption proceedings, or change
in spouse’s benefits or employment status.
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What’s New for
2015?
Medical and Dental Changes
o Premium expenses will increase for both the employer and employee contributions.
o The IRS limits increased for the HDHP plan, so the Individual Deductible is moving to
$2,600 and the Family Deductible will be $5,200. The Out-of-pocket Maximum is not
changing.
Other Benefit Changes
o As a reminder, Flexible Spending Accounts will be allowed to carryover $500 into the
next plan year.
o The maximum pledge amount for Flexible Spending Accounts (FSA) increases to
$2,550 for a Health FSA, and remains at $5,000 for dependent care FSA.
o HSA maximums increase to $3,350 for employee and $6,650 for family plans.
Schreiner Contacts
Cathy Scozzari, Sr. HR Generalist
830-792-7365 (ext. 7365)
cmscozzari@schreiner.edu
Wendy Blaettner, Director of HRS
830-792-7375 (ext. 7375)
wlblaettner@schreiner.edu
Provider Contacts
Healthgram
(Medical & Dental Insurance/Claims)
800-446-5439
www.healthgram.com
Schreiner University – 2015-2016 Enrollment Guide
PHCS (Private Healthcare Systems)/ MultiPlan
PPO Network
www.phcs.com
800-922-4362
Express Scripts (Pharmacy)
800-889-0350
www.express-scripts.com
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Schreiner University Benefit Comparison
Deductible
Individual
Family
Out-of-Pocket Maximum
Individual
Family
Primary Care Physician (office visit)
Office Surgery Charges
Specialist Physician (including surgical
procedures)
Routine Wellness (preventive care)
Charges for Outpatient Independent Lab
Emergency Care (facility only)
Urgent Care
Inpatient Hospital Services
Outpatient Hospital Services
Prescription Drug Benefit* (max 90 day
supply)
Generic
Formulary
Non-Formulary
Contraceptives (generic only)
Lifetime Maximum
Monthly Rates
Employee Only
Employee plus Spouse
Employee plus Child(ren)
Family
70/30 Consumer Plan
In-Network Benefits
HDHP 2600
In-Network Benefits
$500
$1,000
$2,600
$5,200
$5,000
$12,500
70% after deductible
70% after deductible
$5,000
$10,000
90% after deductible
90% after deductible
70% after deductible
90% after deductible
100% deductible waived
100% deductible waived
70% after deductible
70% after deductible
70% after deductible
70% after deductible
90% after deductible
90% after deductible
90% after deductible
90% after deductible
70% after deductible
90% after deductible
70% after deductible
90% after deductible
70% after deductible
90% after deductible
100% deductible waived
100% deductible waived
Unlimited
$141.70
$283.40
$269.24
$425.10
$132.00
$261.60
$247.44
$392.40
Please see Summary Plan Documents on the Intranet for Out-of-Network benefits and deductibles.
*Mail order available for the same benefit – card accepted at all local pharmacies EXCEPT Walgreens
*Diabetic supplies are payable at 100% if ordered through Edgepark Medical Supplies
Did you know? Under the Affordable Care Act, the federal government, state governments, insurers, employers and individuals are
given shared responsibility to reform and improve the availability, quality and affordability of health insurance coverage in the United
States. Starting in 2014, the individual shared responsibility provision calls for each individual to have minimum essential health
coverage (known as minimum essential coverage) for each month, qualify for an exemption, or make a payment when filing his or her
federal income tax return. The provision applies to individuals of all ages, including children. The adult or married couple who can
claim a child or another individual as a dependent for federal income tax purposes is responsible for making the payment if the
dependent does not have coverage or an exemption.
What does it mean to you? If you or a dependent do not have coverage after June 2015, you may have to pay a penalty when you
file your taxes in 2016 for the calendar year 2015.
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Dental
There will be no changes to the dental benefits. Schreiner will continue to underwrite a portion of
your coverage and will pay $15.00 per month per enrolled employee, regardless of the coverage level
you select.
The self-funded plan will continue to be administered by Healthgram. You will be able to make your
dental plan selections at the Healthgram website.
NOTE: For the Dental plan, the plan year, deductibles and out-of-pocket annual maximums will re-set
June 1, 2015. Employees or dependents not currently covered under the Dental Plan will be subject
to pre-existing conditions.
There is no network for Dental.
There is one ID card for Medical, Prescription, and Dental.
You may enroll in Dental coverage without enrolling in Medical coverage and vice versa.
The new contributions rates are:
Monthly
Coverage Type
Total
Premium
Employee
contribution
Employee Only
28.72
$13.72
Employee plus Spouse
$55.40
$40.40
Employee plus Child(ren)
$65.24
$50.24
Employee plus Family
$100.14
$85.14
SCHEDULE OF DENTAL BENEFITS
Deductibles
Individual $50
Family $100
Services Benefit
Preventive Payable at 100%, deductible waived
Basic Payable at 80% after deductible
Major Payable at 50% after deductible
Orthodontic* Payable at 50% after deductible
Dental Benefits Limitations
Individual Dental Plan Year Maximum $2,000
Individual Orthodontic Lifetime Maximum* $1,000
*Dental Benefits for orthodontic treatment and appliances apply only to dependent children under the age of
Nineteen(19) .
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Vision
EyeMed is our new vision provider. To find in-network providers visit, www.eyemedvisioncare.com
Benefit
Vision Exam
Lenses
Single
Lined Bifocal
Lined Trifocal
Standard Progressive
Premium Progressive
Frames
Elective Contact Lenses
Laser Vision Corrective
Discount
Additional Glasses and
Sunglasses Discount
Frequency
Every 12 months
Every 12 months
In-Network Member Cost
$10 Copay
$25 Copay Lenses
$90 Copay
Refer to Fixed price list
Every 24 months
$150 allowance for frames
of your choice and 20% off
the amount over your
allowance
Every 12 months
$150 allowance for contact
lens exam (fitting and
evaluation) and materials.
Once per eye per lifetime
Average 15% off the regular
price or 5% off the
promotional price
Discounts only available
from contracted facilities
40% off additional complete pair eyeglass purchases and a
15% discount off conventional contact lenses once the
funded benefit has been used.
Coverage Type
Monthly Employee Contribution
Employee Only
$5.94
Employee + Spouse
$11.98
Employee + Child(ren)
$11.04
Employee + Family
$17.94
Out-of-Network Benefit
Up to $45
Up to $30
Up to $50
Up to $65
Up to $50
Up to $50
Up to $70
Up to $105
N/A
N/A
Local EyeMed Providers
Vision Source
708 Hill Country Dr Ste 100
Kerrville, TX 78028
(830) 257-5656
Hill Country Vision Center
205 W Water St Ste B
Kerrville, TX 78028
(830) 896-2600
Ford Eye Care Center
714 Hill Country Dr
Kerrville, TX 78028
(830) 315-3673
TSO
500 Junction Hwy
Kerrville, TX 78028
(830) 257-6336
Other Providers include LensCrafters, Target,
JCPenney Optical and Pearle Vision
EyeMed will issue ID cards
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Flexible Spending Accounts for Health Care and Dependent Care
Schreiner University provides you the opportunity to pay for out-of-pocket medical, pharmacy, dental,
vision, and dependent care expenses with pre-tax dollars through Flexible Spending Accounts
(FSAs). You must complete an enrollment form to participate for the plan year June 1, 2015 to May
31, 2016. You can save approximately 25% of each dollar spent on these expenses when you
participate in a FSA. A debit card is provided by healthgram for eligible expenses under the FSA plan.
All FSA dollars elected are available for use on June 1st. If you are currently enrolled in an FSA and
are electing an account this year, you will not be issued a new card.
A health care FSA is used to reimburse out-of-pocket medical, dental and vision expenses incurred
by you and your dependents. A dependent care FSA is used to reimburse expenses related to care of
eligible dependents while you and your spouse work. While all health care FSA dollars elected are
available for use on June 1st, dependent care FSA funds are only available after they have been
deducted from your check.
Contributions to your FSA come out of your paycheck before any taxes are taken out. This means
that you don’t pay federal income tax, Social Security taxes, and state and local income taxes on the
portion of your paycheck you contribute to your FSA.
If you currently participate in the Healthcare FSA, you may carryover over up to $500 of unused
money into the FY 2016 plan year. All contributions in excess of $500 remaining in your FSA on May
31, 2015 will be lost. This is the use-it-or-lose-it rule. New Healthcare FSA elections effective June 1,
2015 will allow the $500 carryover provision into the FY 2017 plan year. You should contribute the
amount of money you expect to pay out of pocket for eligible expenses for the plan year.
The maximum that you can contribute to the Healthcare Flexible Spending Account is $2,550.
Married employees are allowed up to $2,550 each.
The maximum that you can contribute to the Dependent Care Flexible Spending Account is $5,000 if
you are a single employee or married filing jointly, or $2,500 if you are married and filing separately.
Contact Cathy Scozzari or Janie Newton if you would like to view a sample check (or checks) to see
how the pre-tax deductions affect your net pay.
Health Savings Account
A Health Savings Account (HSA) is a tax-advantaged medical savings account available to taxpayers
who are enrolled in a high-deductible health plan (HDHP). Unlike a Flexible Spending Account (FSA),
funds roll over and accumulate year-to-year if not spent; however, funds are only available after they
are deducted from your paycheck.
HSA contributions may be changed at any time, up to IRS maximums, as this is your own personal
account through HSA Bank or your preferred bank.
Calendar Year Maximum for 2015
Individual Contribution
$3,350 for new HSA
Family Contribution
$6,650 for new HSA
*Age 55+ - are allowed a $1,000 additional catch-up contribution.
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Additional Offerings
As a Schreiner University employee, you also receive the following benefits and
perks provided by the University:
Disability Income Benefits
Schreiner University provides you income protection in the event of a prolonged illness through LongTerm Disability insurance (LTD). LTD is provided at no cost to you and provides for replacement of
60% of your weekly pay, up to a maximum of $7,000 per month, in the event that you are unable to
work due to a prolonged illness. This benefit is administered through Principal Life Insurance.
Basic Life & AD&D
Basic Life and Accidental Death and Dismemberment (AD&D) is provided for you at 1x your annual
salary (rounded up to the next thousand) up to a maximum of $100,000. The minimum coverage for
each employee is $25,000 regardless of pay rate. Schreiner University pays 100% of the cost of this
benefit for you. This benefit is administered through Principal Life Insurance.
Employee Assistance Program (EAP)
The EAP program helps you cope with life’s challenging moments. You and your family have 24/7
access to consultative services.
 Personal
 Will and Legal Document Center – www.ARAGwills.com/Principal - enter policy # 1041939
 Financial
 Hearing Aid Program - available to not only you, but your spouse, children, parents and
grandparents - discounts and free annual hearing screenings are available through
American Hearing Benefits, Inc. at www.americanhearingbenefits.com
 Travel Assist with Identity Theft Kit
Services are provided through Magellan Health at 1-800-588-8412 or visit the website at
www.MagellanHealth.com/member
Tuition Remission / Exchange
Employees, spouses and dependent children of Schreiner employees may be eligible to attend
Schreiner University tuition-free through our Tuition Remission program. Through the Tuition
Exchange program, Schreiner University dependents may qualify to attend another college or
university tuition-free. See Tuition Remission/Exchange policy or a representative of Human
Resource Services for complete details and limitations.
Campus Clinic
Beginning August 1, 2015, the Campus Clinic will serve Faculty, Staff and SU Families in addition to
our Student population. The clinic will be run by Peterson Medical Associates. On-site testing and
treatment for minor illness or injury as well as immediate care for Workers’ Comp Injuries will be
provided.
Book Store Discount
Employees receive a discount on imprinted items.
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Facilities Use
Free for employees and dependents – including the Mountaineer Fitness Center. Dependents over
age 16 can get an ID card by paying $5.00 at the Accounting Services Office and taking the receipt to
Security.
Special Events
As always, you are invited to special events on campus, free of charge unless noted.
You are eligible to enroll or participate in the following voluntary programs:
Voluntary Life for Employee, Spouse and Child
You may elect additional life insurance for you, your spouse and/or dependent children. In order to
purchase spouse or child coverage, the employee must elect employee coverage and have 50%
more coverage than dependent coverage. Coverage is provided by Principal Life Insurance.
•
Guaranteed Issue Amounts at time of employment are:
o $200,000 for Employee
o $50,000 for Spouse
o $10,000 for Children
•
During Open Enrollment if you currently have voluntary life:
o Employee coverage - $10,000 increments to a maximum of $200,000 without medical
evidence; not to exceed 5 times annual earnings.
o Spouse coverage - $5,000 increments up to a maximum of $50,000 without medical
evidence; not to exceed 50% of employee coverage.
o Child coverage - includes $5,000 or $10,000 and does not require medical evidence.
• Child coverage starts on day 1 and ends at age 26. One premium pays for all
covered children.
Employee & Spouse Rates
<25
$0.059/$1,000
50-54
$0.280/$1,000
25-29
$0.059/$1,000
55-59
$0.489/$1,000
30-34
$0.059/$1,000
60-64
$0.681/$1,000
35-39
$0.084/$1,000
65-69
$1.270/$1,000
40-44
$0.117/$1,000
70-74
$2.068/$1,000
45-49
$0.174/$1,000
75>
$2.068/$1,000
Dependent Child(ren) Rate
$0.95 for $5,000 or $1.90 for $10,000
•
Upon termination of employment, Voluntary life insurance may either be converted or ported to
an individual policy.
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Retirement Plan
Schreiner University offers 403(b) retirement plan options through TIAA-CREF and Lincoln Financial
Group. An employee becomes eligible for the employer match of 6% after the employee’s first year
anniversary and only if the employee is contributing a minimum of 4%. Employees are vested
immediately. The employee may contribute from first date of employment. Employees may begin,
change, or stop contributions at any time. See Human Resource Services to enroll or to make
changes to your contribution level.
AFLAC
AFLAC offers the following plan options to Schreiner University Employees -- Short-term Disability,
Accident Coverage, Cancer Coverage, Critical Care and Recovery (Heart Attack/Stroke), Hospital
Advantage. For more information about these products, please contact Human Resource Services.
LegalShield
LegalShield offers two products. A few of the benefits of LegalShield include legal protection and
advice as well as review of contracts and documents along with an attorney prepared Will, Living Will,
Child Trusts and Healthcare Power of Attorney. Identity Theft Shield is everything you expect with
identity theft protection plus expert restorative services which include credit report, personal credit
score with analysis, continuous monitoring with activity alerts and identity restoration services. These
two products can be purchased individually or combined for a discount. Please contact Human
Resource Services for a LegalShield packet and pricing information.
The information in this Enrollment Guide is presented for illustrative purposes and is based on
information provided by the employer. The text contained in this Guide was taken from various
summary plan descriptions and benefit information. While every effort was taken to accurately report
your benefits, discrepancies or errors are always possible. In case of discrepancy between the Guide
and the actual plan documents, the actual plan documents will prevail. All information is confidential,
pursuant to the Health Insurance Portability and Accountability Act of 1996. If you have any questions
about your Guide, contact Human Resource Services.
REQUIRED ENROLLMENT BY M AY 15, 2015 :

ALL members need to complete the proper enrollment in order to be covered under
these plans effective June 1, 2015.

Medical and/or Dental – complete online enrollment if electing or continuing
coverage at: www.healthgram.com/openenrollment

Vision – complete EyeMed form if you want Vision coverage this plan year.

Flexible Spending Account – complete healthgram FSA form if you wish to
elect an FSA for the new plan year.

LegalShield – complete form if electing Legal and/or Identity Theft Shield
coverage.

AFLAC products – contact Human Resource Services if you would like to elect
or change coverage.

Heath Savings Account (if on the HDHP plan) – complete form if enrolling in
HDHP plan or you wish to change your current contribution. These changes
can be made at any time.

Supplemental life (employee, spouse, child) – complete Principal Employee
Enrollment & Waiver if you currently have supplemental life and are increasing
coverage by 1 increment and you are under the guaranteed issue. Complete
Statement of Health at any time if you are requesting Supplemental Life for the
first time or are increasing coverage more than the guaranteed issue.
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Questions & Answers
When does open enrollment close?
 All enrollments must be completed by 5:00 p.m. May 15, 2015 – this includes on-line or paper
enrollment. To be considered received, enrollment forms must be returned to Human Resource
Services or completed online. Please do not route enrollment forms through the campus mail.
Who do I contact with questions?
 Contact Cathy Scozzari HRS at (830) 792-7365with any questions you may have.
What is changing?
 Medical Plans – Increases to Employer and Employee contributions at all levels, out-of-pocket and
plan year maximums will reset effective 06/01/2015.
 Increase to Individual and Family Deductible for the HDHP plan only.
 Vision Plan – EyeMed is our new provider. Employee monthly premiums have decreased slightly,
the co-pay for exams is reduced from $25 to $10, the allowance for frames and lenses has
increased from $130 to $150, and our network of vision providers has expanded to include major
chains.
 FSA and HSA limits have increased.
What is the 70/30 plan?
 After a $500 plan year deductible, employee pays 30% of discount network rates (medical and
pharmacy) up to the out-of-pocket maximum ($5,000) and SU pays 70%. After the out-of-pocket
maximum is reached, SU pays 100% of the cost. Everything you pay counts toward deductible or
out-of-pocket expenses.
Will I have a separate deductible for Prescription (Rx) and Medical on the 70/30 plan?
 No, Rx and Medical have one combined deductible and maximum out of pocket; all claims (Rx &
Medical) will apply to the deductible and then to the out-of-pocket maximum.
Why are the premiums changing again?
 To keep up with the increasing costs associated with healthcare.
What can we expect in the future?
 Employee and SU contributions will continue to increase – unless we are able to significantly
lower costs to the plan over an extended period of time.
I’m currently not enrolled in a Flexible Spending Account (FSA) – will I be able to add one
during open enrollment?
 YES! We encourage you to consider this option to cover costs for your deductible and any
predictable out-of-pocket expenses. Remember that FSAs have a “use-it-or-lose it” feature for
any amount over $500 remaining in your account at the end of the plan year. Any contributions in
excess of $500 remaining in your FSA on May 31, 2016 will be lost!
I’m currently enrolled in a Flexible Spending Account (FSA) – will I be able to make changes
during open enrollment?
 YES! You must enroll in FSAs each year – the election does not carry over year-to-year.
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I had a Flexible Spending Account (FSA) for 2014-2015, but did not use my card every time.
Can I still be reimbursed for those expenses if I have money left in my account?
 YES! You have until August 31st to request reimbursement for expenses incurred from June 1,
2014 through May 31, 2015.
I need to know how much money I will have each payday with the changes or if I add another
deduction. How can I figure this out?
 Please contact Cathy Scozzari or Janie Newton. Either HRS representative can run a sample
check or checks to show what your take-home check will be starting in June.
NOTES:
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