Open Enrollment 2010
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This is your annual opportunity to change
certain benefit elections without a qualifying
event.
All elections will be made online and take
effect Jan. 1, 2010 and remain thru Dec. 31,
2010
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October 19 – Oct. 30, 2009
 Online at
louisville.edu/hr/benefits/openenrollment/
 Benefit Vendors will be on site to answer
questions:
Oct. 22 & 23, 9 – 4:30 HSC – Abell Building
Oct. 27 & 28, 9 – 4:30, Belknap, Human
Resources Department
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Look closely at changes for 2010 to make the best choice for
you and your family
After reviewing the plan options and details, if you are happy
with the health, dental and or vision plan you currently have
DO NOTHING.
If you want a voluntary flexible spending account (health care
and or dependent care) you must make that election.
If you waive health insurance and you want some or all of your
money in a DEPENDENT CARE flexible spending account you
must make that election.
If you want to change plans or the dependents you cover you
must make these changes.
If you want to participate in Get Healthy Now and receive the
monthly premium incentive ($40) on health insurance you
must take the on-line Health Risk Assessment (HRA).
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Health Coverage
Get Healthy Now
Flexible Spending Accounts
Dental Insurance
Vision Insurance
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More Health Plan Choices - We will offer the same
health plans in 2010 with the addition of a new plan –
Cardinal Care EPO (UofL Healthcare EPO).
Cardinal Care EPO
◦ This new Cardinal Care Plan combines easy access,
exceptional clinical care, conveniently located
physician offices and low rates in a network
exclusively made up of UofL Physicians. The network
is limited to UofL Physicians and UofL Hospital. For
physician specialists that are not represented in the
Cardinal Care EPO, the Chief Medical Officer for UofL
Physicians will refer you to a designated provider and
you will pay in-network costs.
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Cardinal Care EPO
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Factors to consider in choosing this health plan:
◦ The network is limited to UofL Physicians and UofL
Hospital
◦ Low rates
◦ Physicians' offices located at HSC and adjoining
Belknap Campus and convenient locations throughout
the Louisville area
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Plan Changes in the EPO and PPO plans
EPO Plan
Inpatient Hospitalization
Outpatient Surgery
Outpatient Services
Emergency Room
Inpatient Mental Health &
Substance Abuse
2009
$500 copay
$50 copay
100%
$75 copay
$500 copay
per admission
2010
Plan Pays 90%
$100 copay
Plan Pays 90%
$100 copay
Plan pays 90%
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PPO Plan
Inpatient Hospitalization
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Outpatient Surgery
2009
$100 copay/day
($500 max)
$50 copay
2010
Plan pays 90%
after deductible
Plan pays 90%
after deductible
Plan pays 90%
after deductible
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Inpatient Mental Health &
Substance Abuse
$100 copay
for first 5 days
after deductible
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Health Plan Options
 Cardinal Care EPO (UofL Healthcare EPO)
 EPO
 PPO
 PCA High
 PCA Low
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If you do nothing your coverage will continue as
in 2009
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Review 2009 claim history by registering at
www.humana.com
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Humana Open Enrollment 1-888-393-6765
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Provided thru Express Scripts
Automatically comes with any health plan but
does have separate identification card. Keep
your Express Scripts ID card to use in 2010.
Customer Service 1-800-298-6890
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2010
Generic
RETAIL (30 day fill)
MAIL (90 day fill)
$8
$16
Formulary Brand
25% with $30 min/$60 max
15% with $60 min/$120 max
Non-Formulary
Brand
40% with $50 min/$100 max
35% with $100 min/$200 max
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Get Healthy Now is a voluntary, incentive based
health management program, implemented in
2005.
Since program inception UofL has been able to
keep healthcare cost increases below the national
average.
Employees who have participated in Get Healthy
Now have been instrumental in keeping healthcare
premiums from increasing. (2.5% vs 19.5%)
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More importantly they are living their lives
with increased vitality and energy.
Seleila Renee Booker received the Lifestyle
Change Award by the American Heart
Association.
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 Participating
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employees receive a $40
monthly premium incentive.
REMINDER: Annual completion of the online health risk assessment is required for
participation & to receive the premium
incentive. (HRA on-line: Oct.19 – Nov.13)
HRA is 100% confidential. Only you & your
health coach can view results.
Regular contact with health coach may be
necessary to maintain premium incentive.
Biometric Screening (optional) 852-7755
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The University will continue to place $195 per
month into a Healthcare Flexible Spending
account (FSA) if you waive the health plan.
Note: If you would prefer that some or all of
this money be placed in a Dependent Care FSA
then you must make that known online during
open enrollment
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WHAT IS IT?
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The absolute best way to pay for expenses you already have.
It’s an account that you contribute pre-tax pay to, and then
you pay for expenses out of it.
Two different types available: Healthcare FSA which is used
for medical expenses for the whole family and the other,
Dependent Care FSA which is used for daycare expenses for
child care or eldercare
Depending on your tax bracket, you can save 25% to 35% in
taxes on every dollar you put into the accounts.
Account good for one calendar year and IRS requirements
state unused funds cannot be refunded or carried over so
estimate carefully.
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Administered by Chard-Snyder
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Keep your Benny card for use in 2010.
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If you do nothing during open enrollment you
will not have an FSA account in 2010
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Provided by Anthem Dental Blue
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No increase in rates
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If you do nothing your coverage will remain
the same as 2009
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Provided thru Anthem Blue View Vision
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No increase in rates
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If you do nothing your coverage will remain
the same as 2009.
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If you have Humana EPO or PPO you are eligible for
one eye exam every 12 months and discounts on
lenses/frames through EyeMed participating optical
providers.
If you take the new Cardinal Care EPO you will be
eligible for one vision exam every 12 months after
a $35 copay
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Go to the Benefits Open Enrollment website;
louisville.edu/hr/benefits/openenrollment/
Visit our Benefit Vendor Fairs
◦ Oct. 22, 23 9 am – 4:30 pm at HSC, Abell
Building
◦ Oct. 27, 28 9 am – 4:30 pm in HR Dept.
Send a question to the Benefits Helpdesk
using our secure web form
www.louisville.edu/hr/help
Call the Benefits Helpdesk at 852-0040
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Open Enrollment is online 10/19 – 10/30
You will have an opportunity in late
November to notify HR of any
discrepancies.
Thank you and we hope your 2010 benefit
choices provide you and your family with
the highest level of satisfaction.
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