New for 2011
All Medical and Dental Plans
- Children will be covered through the end of the month in which they reach age 26, so long as they're not eligible through an employer.
- Preventive or "wellness" services will be covered at 100% when in-network providers are used. This includes evidence-based services as recommended by the US Preventive Services Task Force and the Center for Disease Control. Examples include preventive imaging services like mammograms and osteoporosis screening; infant, child, adolescent and adult immunizations; preventive laboratory services such as cholesterol, pap tests, and PSAs; and screening procedures such as colonoscopies.
- Lifetime maximums will be eliminated; except orthodontia limits will not change.
Clarian Quality Partners Exclusive Provider Medical Plan
- This is a new plan effective January 1, 2011. It provides comprehensive medical coverage through an exclusive network of physicians and hospitals, Clarian Quality Partners. This plan also features preferential copays when Clarian pharmacies are used. Members designate a Primary Care Physician (PCP) who provides routine care and coordinates overall care. Eligibility is limited to employees residing in certain counties.
HDHP PPO & Health Savings Account
- University contributions to member's health saving account will increase to $700 for individual enrollment, and $1,400 family enrollment (includes employee/spouse, employee/child(ren), and family).
- Preventive medical care will be covered at 100 percent.
PPO $900 Deductible
- The medical copay will increase to 15 percent.
- Preventive medical care will be covered at 100 percent.
PPO Blue Access
- Office visit copays will increase to $30 primary care and $40 specialist.
- Preventive medical care will be covered at 100 percent.
Dental Plan
- The CIGNA dental PPO network now includes the IU School of Dentistry.
Tax Saver Benefit (TSB)
- Over-the-counter medicines will only be reimbursed with a physician's prescription. (See related article in this bulletin.)
Tobacco-free Health Reimbursement Arrangement (HRA) Plan
- This plan will be discontinued and replaced by the Health Engagement Program. Participants will have the 2011 calendar year to use any remaining HRA balance. Participants can check their current balance at iutsb.nyhart.com or by calling Nyhart at 1-800-284-8412.
- The Quit For Life Program remains available for those who want to quit tobacco products. To enroll call 1-866-784-8454 or visit the program Web site at https://www.quitnow.net/iu/.
Personal Accident Insurance
- No plan changes.
2011 Medical Premium Rates (Monthly)
Total premiums will increase by 15.13 percent (weighted average).
| 2011 Total Monthly Premiums |
2011 Monthly IU Contribution | 2011 Monthly Employee Contribution* (BASE PREMIUM) |
|
| HDHP PPO & HSA: 15.61% decrease in total premium | |||
| Employee | $270.15 | $265.15** | $ 5.00 |
| Employee/Child(ren) | $538.86 | $528.86** | $10.00 |
| Employee/Spouse | $658.75 | $648.75** | $10.00 |
| Family | $748.12 | $733.12** | $15.00 |
| PPO Blue Access: 16.52% increase in total premium | |||
| Employee | $ 500.35 | $ 483.83 | $ 16.52 |
| Employee/Child(ren) | $ 991.12 | $ 958.28 | $ 32.84 |
| Employee/Spouse | $1,213.92 | $1,168.24 | $ 45.68 |
| Family | $1,378.34 | $1,261.41 | $116.93 |
| PPO $900 Deductible: 13.9% increase in total premium | |||
| Employee | $ 451.35 | $ 445.66 | $ 5.69 |
| Employee/Child(ren) | $ 900.31 | $ 888.92 | $ 11.39 |
| Employee/Spouse | $1,100.63 | $1,089.24 | $ 11.39 |
| Family | $1,249.93 | $1,204.67 | $ 45.26 |
| Clarian Quality Partners (CQP) Exclusive Provider: new plan*** | |||
| Employee | $ 451.35 | $ 446.35 | $ 5.00 |
| Employee/Child(ren) | $ 900.31 | $ 890.31 | $10.00 |
| Employee/Spouse | $1,100.63 | $1,090.63 | $10.00 |
| Family | $1,249.93 | $1,210.19 | $39.74 |
* Support and Service Staff employees who were receiving the “additional IU subsidy” on June 30, 2010 will continue to receive the additional subsidy into 2011, as long as their base salary remains below $28,143 on January 1, 2011. ** Contributions shown do not reflect the university’s annual contribution to the employee’s health savings account: $700 for employee coverage, and $1,400 for family coverage (employee plus spouse and/or children). *** Eligibility is limited to employees residing in certain counties. |
|||
| ADDITIONAL MEDICAL PREMIUM | |||
| An additional premium—according to salary level—will be added to the base medical premium amount. By participating in the Health Engagement Program this premium can be reduced or eliminated. See separate article in this issue. | |||
| Employee’s Annual Base Salary |
Employee Coverage | + | Spouse/Domestic Partner Coverage |
| Less than $30,000 | $20 | $20 | |
| $30,000 to $59,999 | $40 | $40 | |
| $60,000 to $119,999 | $60 | $60 | |
| $120,000 or more | $80 | $80 | |
| CALCULATE TOTAL MEDICAL PREMIUM |
| Use the Premium Calculator at hr.iu.edu/benefits/hep/calculator to estimate the employee’s total medical premium. |
2011 Dental Premium Rates (Monthly)
| 2011 Total Monthly Premiums | 2011 Monthly IU Contribution |
2011 Monthly Employee Contribution | |
| IU Dental Plan: 5% increase in total premium | |||
| Employee | $25.10 | $22.94 | $ 2.16 |
| Employee/Child(ren) | $45.19 | $32.69 | $12.50 |
| Employee/Spouse | $58.95 | $44.18 | $14.77 |
| Family | $85.98 | $62.20 | $23.78 |
Vision Wear Program
Voluntary Benefits Program
Current participants will receive a notice from Marsh, the plan administrator, about the opportunity to cancel coverage during the upcoming enrollment period; otherwise, coverage will automatically continue in the 2011 plan year. Non-participants will receive a package inviting them to enroll.
IU Tax Saver Benefit (TSB) Plan
The IU TSB plan is designed to save tax dollars when a participant pays for IRS-eligible expenses. When salary contributions are made into one or both TSB expense reimbursement accounts (healthcare and dependent care), the contributions are not subject to federal, state, local, or FICA taxes. This results in substantial savings to the employee.
For details, see the Open Enrollment packet and visit hr.iu.edu/benefits.
