Community College System of New Hampshire Employee Benefits Informational Sessions

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Community College System of New
HampshireEmployee Benefits Informational Sessions
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Informational Sessions

• Anthem Blue Cross and Blue Shield Health Plans
• Overview and Plan Changes
• Health Reimbursement Account
• NEW!! Compass
• Delta Dental Dental Plan
• Overview and Plan Changes
• NEW!! Vision Plan DeltaVision
• Life and Disability Benefits The Standard
• Combined Services Flexible Spending Account
• Questions??

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Documents / Disk

• Disk
• Employee Benefit Summaries
• Anthem Enrollment Kit
• Compliance Documents
• Information Session Presentation
• Documents
• Anthem Lumenos POS New England Benefit Summary
• Anthem Lumenos national plan available upon
  request
• Anthem Member Savings
• Compass Information
• Vision Benefit Summary
• Other documents provided by the Plans

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Open Enrollment Dates IMPORTANT

• Open Enrollment Dates
• October 28th to November 20th
• www.ccsnh.edu/about-ccsnh/human-resources

• Passive Enrollment Medical Only
• Employee Coverage will be transitioned from
  current medical plan to Anthem Blue Choice NEW
  ENGLAND Network
• Employees requesting to enroll in the NATIONAL
  plan
• must make the election.

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Anthem Blue Cross and Blue Shield

• Stay healthy with Preventive Care coverage
• Health Reimbursement Account provided by CCSNH to
  employees for payment of services that go towards
  the deductible
• In Network and Out of Network structure on the
  Blue Choice Point of Service (POS) plan
• Family plan claims for all family members go
  towards the deductible
• After the annual deductible, Traditional Health
  Coverage covers additional expenses
• An annual out-of-pocket maximum protects you from
  large medical expenses

Preventive Care 100 In-Network
HRA Funded by your employer to help satisfy
annual deductible
Annual Deductible
Traditional Health Coverage
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Anthem Blue Cross and Blue Shield

• NETWORK Blue Choice Blue New England
• Non Network Services Subject to Coinsurance of
  30 after Deductible
• Primary Care Physician is NOT Required
• Services OUTSIDE the network subject to 30
  coinsurance over the deductible up (10,000 2x
  Out of pocket)
• OPTION National Network
• National Network / Preferred Blue
• No Referrals
• NO Primary Care Physician

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Blue Choice New England In Network
Single Family
Preventive No cost No deduction from HRA with in-network providers (Non-Network preventive services subject to deductible) No cost No deduction from HRA with in-network providers (Non-Network preventive services subject to deductible)
HRA (funded by CCSNH) 2,500 5,000
Plan Deductible 2,500 5,000
Coinsurance 100 100
Prescriptions Mail order (2x, 2x, 3x) Deductible then 10 Generic, 35 Preferred Brand Name. 50 Brand Name Deductible then 10 Generic, 35 Preferred Brand Name. 50 Brand Name
Out of Pocket Maximum 5,000 10,000
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National Plan In Network
Single Family
Preventive No cost No deduction from HRA with in-network providers (Non-Network preventive services subject to deductible) No cost No deduction from HRA with in-network providers (Non-Network preventive services subject to deductible)
HRA (funded by CCSNH) 2,500 5,000
Plan Deductible 2,500 5,000
Coinsurance 100 100
Prescriptions Deductible Only Deductible Only
Out of Pocket Maximum 2,500 5,000
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Health Reimbursement Account

• In Network Providers will bill Anthem directly
  and be paid directly out of the HRA account until
  the deductible is met
• Members do NOT need to submit anything to Anthem
  unless they visit an Out of Network Provider
• The HRA will cover the entire deductible for
  medically necessary services and covered for any
  services provided by an In Network Provider

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How Does the Deductible Work?

• Single Subject to the Individual deductible
  (2,500).
• Family Subject to the Family Deductible
  (5,000). One or more members may contribute to
  and meet the entire Family deductible. Once the
  Family Deductible is met, all the members on the
  policy are considered to have met their
  deductible.
• Example If a CDHP family deductible is 5,000,
  one person may contribute 5,000 to meet the
  entire family deductible OR two or more people on
  same plan may contribute any amount (1,000
  3,000 1,000) to equal the 5,000 family

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Prescription Plan

• Present your ID card when they visit a pharmacy
  to make sure they receive the right discount for
  their prescription. 
• At in-network pharmacies prescription expenses
  will be paid directly from the HRA. A claim will
  automatically be filed for the member, and the
  full discounted cost of the prescription will be
  deducted automatically from the HRA. 
• Once youve met your deductible and your
  traditional health coverage has kicked in, youll
  pay only the copay at the pharmacy, up to your
  plans annual out-of-pocket maximum.
• If you have met your annual out-of-pocket
  maximum, the plan will pay 100 of the cost of
  your covered medications in network.

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Earn Rewards

• Earn rewards in the form of gift cards for the
  following
• Completing the MyHealth Assessment online, 50
  gift card
• Enroll in Health Coaching Program, 100 gift card
• Graduate form Health Coaching Program, 200 gift
  card
• Other opportunities to earn gift card rewards for
  Tobacco Free and Healthy Weight programs
• Fitness Benefits
• Fitness equipment reimbursement 200 per full
  time employee per year or
• Health Club Benefit up to 450 per full time
  employee per year
• Register on anthem.com and find specials offers
  at SpecialOffers_at_anthem

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Compass Healthcare

• Easy to Use SmartShopper allows members to shop
  online or by phone for specific health care
  services. Members are able to access the
  information needed for their procedure in a short
  amount of time in order to be more informed
  medical consumers.
• Provides Choice Members are presented with
  cost-effective options in their geographic area
  that qualify for financial rewards based on
  Compass procedure rankings.
• Rewards Cost-Effective Decisions Members are
  rewarded with financial incentives by choosing to
  have their elective procedures performed at
  Compass-identified cost-effective locations.

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Compass Healthcare

• What do you need to know in order to use
  SmartShopper?
• Everyone covered on your health plan is eligible
  to use SmartShopper.
• Shopping takes only minutesa two minute phone
  call, or a few mouse clicks gives you the
  cost-effective information you need.
• To earn an incentive, shopping must occur AT
  LEAST 24 HOURS prior to the scheduled procedure.
• Use a cost effective location and your reward
  will be mailed to you automatically within 45
  days from the time your claim is processed.

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Dental Plan Delta Dental
Benefit
Deductible (Major / Restorative only) 25 Per Person
Annual Maximum Benefit 1,500 Per Person
Preventive Services 100
Basic Services 80
Major / Restorative (deductible applies) 50
Orthodontics 50
Orthodontics Lifetime Maximum 1,500
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Dental Plan Delta Dental

• Dont Forget to Stretch your annual maximum
  dollars!
• Seeing a PPO provider can save you money
• If your dentist does not participate in the PPO
  Network, you still have the safety of the Premier
  Network
• The PPO Network is new, only 24 of dentists in
  NH participate today, but it is growing . . .
• If your dentist participates in the Delta Dental
  PPO Network, then your annual maximum will go
  further.

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Dental Plan Delta Dental

• CUSTOMER SERVICE
• 800-832-5700
• WWW.NEDELTA.COM

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Vision Plan DeltaVision
Services Every 12 Months Network Non-Network (Reimbursement)
Annual Vision Exam 10 Copay 35
Frames 130 Allowance 65
Standard Plastic Lens 25 Copay Single 25 copay Bi-focal 40 copay Tri-focal 55 copay
Contact Lens (in place of frame lenses) 130 Allowance Conventional 104 Disposable 104

100 Employee Paid 100 Employee Paid 100 Employee Paid
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Vision Plan DeltaVision

• NETWORK EyeMed ACCESS NETWORK
• Local Provider
• Lens Crafters
• Sears Optical
• Pearle Vision
• Target Optical
• J.C. Penney Optical
• If your provider is not in-network, they can be
  at their request

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Vision Plan DeltaVision

• CUSTOMER SERVICE 866-723-0513
• WWW.EYEMEDVISIONCARE.COM
• Monday to Saturday, 730 AM to 1100 PM, EST
• Sunday, 1100 AM to 800 PM, EST
• CLAIMS
• Network Show your ID Card to the provider and
  they take care of the rest
• Non-Network Pay in advance for the service and
  submit a claim form for reimbursement
• NEAREST PROVIDER to White Mountains Community
  College
• Tremaine Opticians, 148 Main Street, Berlin, NH
  (603-752-3382)

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Life Insurance The Standard

• LIFE INSURANCE 100 Paid by CCSNH
• ONE Times Annual earnings
• Minimum Benefit of 25,000
• Maximum Benefit of 200,000
• Equal amount of Accidental Death Benefits
• Eligibility 37.5 Hours

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VOLUNTARY Life Insurance The Standard

• VOLUNTARY LIFE INSURANCE and ADD 100 Employee
  Paid
• Prior Eligible Applicants Subject to
  Underwriting
• Employee
• Units of 25,000
• Maximum of 100,000
• Minimum of 25,000
• Spouse
• Maximum Lesser of 100,000 or 100 of Employee
  Election
• Plan 1 Units of 10,000 without ADD
• Plan 2 Units of 25,000 WITH ADD
• Children
• 3,000 Benefit

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Long Term Disability The Standard

• Long Term Disability 100 Paid by CCSNH
• Eligibility 37.5 Hours Per Week
• Benefit
• 60 of Earnings
• Maximum Benefit of 6,000 per Month
• Waiting Period 180 days (6 months)
• Benefit Period to age 65 (if 62, benefit
  period is adjusted)

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Flexible Spending Account

• Employee Savings
• Monthly Account Fee Paid by Employee
• FSA Administration Fee 3.50 per month
• Dependent Care Administration Fee 3.50 per
  month
• Debit Card Fee 0.65 per month
• Minimum Health Care Annual Contribution 200
• Minimum Health Care Annual Contribution 2,500
• Maximum Dependent Care Annual Contribution
  5,000

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Questions??

• Tom Harte
• Landmark Benefits, Inc.
• 20 Mary E. Clark Drive, Ste. 10
• Hampstead, New Hampshire 03841
• P 603-329-4535
• www.landmarkbenefits.com