Benefits Open Enrollment 2014
University of Georgia Human Resources Division
Tobacco
Surcharge
Action Required!
(Again)
Vision

No changes in coverage or premiums for 2015
Dental
 Premiums increase 12%
3
University System of
Georgia
FSA/HSA
Same vendor for FSAs and HSA
Open Access POS is now
Comprehensive Care plan
Add ABA Autism Therapy coverage
Premiums decrease 6%
Increase in-network deductible: Single /$500 Family/ $1500
Increase in-network out of pocket maximum: Single/$1250
Family/$2500
Increase in-network specialist office visit co-pay by $10 from $20 to
$30
5
HSA Open Access POS is now
Consumer Choice HSA
Add ABA Autism Therapy coverage
Increase in-network out-of-pocket maximum from $3,000
single/$6,000 family to $3,500 single/ $7,000/family
Increase in-network employee co-insurance from 15% to 20%
(employer co-insurance decreases from 85% to 80%)
Increase out of network deductible from $2,500 single/$5,000
family to $3,000 single/$6,000 family
Premiums increase by 32%
6
Plan Changes – BlueChoice HMO
Add ABA Autism Therapy coverage
Increase in-patient hospital services co-pay from $250 to $500
Increase primary care office visit co-pay from $20 to $30
Increase brand name prescription drug co-pay from $25 to $35
Increase specialist office visit co-pay from $25 to $50
Premiums increase 24%
Add 20% co-insurance to non-preferred brand name prescription drug
with a $45 minimum and $125 maximum cost share
7
Plan Changes – Kaiser HMO Plan
Add ABA Autism Therapy coverage
Increase emergency room co-pay from $150 to $250
Increase preferred brand co-pay from $25 to $35 and nonpreferred co-pay from $35 to $45 at Kaiser pharmacy
Premium increase of 4%
8
Why are the premiums going up for some of
the plans?

Good claims experience in previous years kept costs lower

System healthcare costs ran to a $17 million deficit last
year

Projected costs for 2014 are over budget
– Extra fees due to ACA
– Enrollment growth
– Higher than average claims experience
– Migration between plans
CVS Caremark replaces Express Scripts

CVS Caremark will be the Pharmacy Benefit
Manager for all the BCBS plans (excluding Kaiser
HMO)

One of the largest networks in the country

You do not have to use CVS as your pharmacy
Open enrollment sessions for active employees
10/20
10/21
10/22
10/30
10/30
9:00-11:00am
1:00 – 3:00am
9:00-11:00am
9:00 – 11:00am
2:00 – 4:00pm
Masters Hall, Ga. Ctr.
Masters Hall, Ga. Ctr.
Masters Hall, Ga. Ctr.
University Chapel
University Chapel
Collaborate Sessions (non-Athens locations)
10/22
2:00 – 3:30 pm
10/23
10:00 – 11:30 am
Visit www.hr.uga.edu and select “Open Enrollment”
*IMPORTANT*
Tobacco Surcharge – Action Required!
Affordable Care Act
Employees averaging 30 hours a week are eligible for health insurance
(it’s not that simple)
Important dates
 Transition period
– May 1, 2014 through October 31, 2014
– Tracking temp employees working more than 30 hours per week
– Potentially benefits eligible in January 2015
 End of first 12-month reporting period
– May 1, 2015
What has been happening
 Identification of temps
 Interpretations of workplace situations
 Feeding work hours data to the USG
– Payroll hours for hourly temps
– Calculated hours from Percent Time for monthly temps
(50% time equates to 20 hours per week)
What is going to happen next
 The USG is going to review the data from the
transition period to determine who has
averaged more than 30 hours per week
 They will report back to us in late November
 We’ll review and reconcile their list
 Anticipate between 25-50 temps will be
designated as potentially benefits eligible
What is going to happen next
 USG survey of our methodology
 USG audit of our practices and results
 Potential changes to our recordkeeping
methodology
Recordkeeping Options

Temp faculty and staff employment agreement
forms

Timesheets for both hourly and monthly temps

Electronic timekeeping application
–Expansion of Kronos
–Third party vendor compliance tool for UGA
–USG compliance tool
Graduate Research Assistants
 This has been one of the most debated groups
both within the USG and nationally
 Very difficult to distinguish between
“academic training” time and “work” time
 USG has decided to explore the possibility of
establishing a separate health insurance plan
for GRAs
 Early stages of development; more to come
Reference material
 The USG Employee Categories policy can be
found at:
http://policies.uga.edu/FA/nodes/view/1120/
Types-of-Employment
 A separate UGA ACA Guidelines document is
being completed and will be available in
November