Your Choice. Your Benefits. Your Future.
Be Your Own Champion! 2017 Open Enrollment
Look inside for:
Enroll by Nov. 5, 2016!
2017 Rate Sheet .......................................................... 2
Go to akronchildrens.bswift.com beginning Oct. 24.
Decision-making Tools and Resources.............................. 8
Children’s Health Plus Plan............................................. 4 Health Saving Account (HSA) Features......................... 5–6 Medical Plan Comparisons........................................... 10 Steps to Enroll Online....................................................11
2017 Rates (Employee Per Pay Deductions) FULL-TIME EMPLOYEES Children’s Health Plus Plan
Children’s Conventional Plan
Dental Plan
Vision Plan
Enhanced Vision Plan
Single
$42.00
$76.00
$5.00
$2.41
$7.77
Empl + Child(ren)
$71.00
$130.00
$8.00
$5.02
$16.15
Empl + Spouse/Same-sex Domestic Partner
$87.00
$160.00
$10.00
$4.59
$14.77
Family
$125.00
$229.00
$14.00
$7.37
$23.71
PART-TIME EMPLOYEES Children’s Health Plus Plan
Children’s Conventional Plan
Dental Plan
Vision Plan
Enhanced Vision Plan
Single
$54.00
$110.00
$5.00
$2.41
$7.77
Empl + Child(ren)
$91.00
$187.00
$8.00
$5.02
$16.15
Empl + Spouse/Same-sex Domestic Partner
$113.00
$231.00
$10.00
$4.59
$14.77
Family
$161.00
$330.00
$14.00
$7.37
$23.71
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Enroll by Nov. 5, 2016. Go to www.akronchildrens.bswift.com
Your 2017 Enrollment Scouting Report Aultman Hospital & Providers Join MMO Network
Enrollment Is Easier than Ever . . .
Effective Sept. 15, 2016, Aultman Hospital joined the Medical Mutual of Ohio (MMO) network. All employees will now have access to Aultman Hospital and its providers through either the Children’s Plus Plan with HSA or the Conventional PPO Plan.
. . . thanks to your input. We’ve listened to your comments about the complexity of enrolling in benefits each year, so we worked with bswift, our online benefits vendor, to streamline the process. You will be able to enroll online using the option to keep most benefits elected in 2016 as your 2017 elections. There are 2 exceptions: Medical and Flexible Spending Account (FSA) benefits. Medical benefits are so valuable; please take your time to compare your options and elect the best plan for your situation.
More $0 Co-pay Medications Two new categories of drugs have been added to the list of maintenance medications that may be available to you and your covered dependents at no cost through both the Children’s Health Plus and Children’s Conventional plans. New to the list in 2017 are medications to treat depression and seizure disorders. Medications to manage chronic conditions such as high blood pressure, diabetes, high cholesterol or COPD/asthma remain on the list as well. For a complete list of $0 co-pay medications, go to https://mykidsnet.chmca.org/myHR/Benefits/ Documents/OE2016/Free%20Rx.pdf
Rates For 2017, the Children’s Conventional Plan rates will increase slightly. The Children’s Health Plus Plan rates will remain the same.
The Internal Revenue Service requires that you specify your FSA election(s) each year.
Transgender Surgery Covered Children’s will comply with newly enacted provisions of the Affordable Care Act to cover transgender surgery and any treatment leading to or in connection with transgender surgery, effective Jan. 1, 2017.
Coming in 2018 Because same-sex marriage is legal in the United States, only spouses and those dependents who meet the definition of “child,” as defined by our benefit plans, will be eligible for coverage under our benefit programs, effective Jan. 1, 2018. The hospital will continue to offer unmarried same-sex domestic partners and their children access to our benefit programs through Dec. 31, 2017.
Your Choice. Your Benefits. Your Future.
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Children’s Health Plus Plan The Hospital’s MVP — Most Valuable Plan The Children’s Health Plus Plan is a true champion. This affordable medical plan option is an MVP (Most Valuable Plan); it’s designed to fit your healthcare needs today, throughout your career and even into retirement. Although this plan features a higher annual deductible than the PPO plan, it takes center court because of these features: • Lower employee contributions • A Health Savings Account (HSA) that can be used to pay healthcare costs (including the annual deductible) • Children’s contributes to the HSA — and you can, too • Same MMO network as the Children’s Conventional Plan and covers all eligible expenses listed on the medical comparison chart on page 10
Children’s contributes
You can contribute up to
Single
$1,300
$2,100
Family
$2,500
$4,250
If you are 55 or older, you may contribute an additional $1,000 in “catch-up” contributions each year. See pages 5-6 for more information about the HSA. You’ll pay the 2016 rates when you enroll in the Children’s Health Plus Plan for 2017. Premiums for this plan are not increasing.
• The plan pays 100% of eligible medical and prescription drug expenses after you’ve met the out-of-pocket maximum The deductible under this plan consists of both medical and prescription drug expenses. Once you’ve satisfied the annual deductible, the plan begins paying for your healthcare and prescription drug expenses.
IRS regulations state that you must meet the full deductible before the Children’s Health Plus Plan begins paying benefits for anything other than preventive care. Any potential discounts, including the hospital’s Employee Discount, cannot be applied until after the deductible is satisfied. Remember that the hospital will make its first quarterly contribution to your account in early January, so you’ll have an HSA balance of $325 single/$625 family to help cover healthcare costs at the start of 2017. This assumes you have set up your HSA account with Tango by Jan. 1, 2017.
We’ve created a page on myKidsnet that focuses on the Health Savings Account. Everything you’d like to know about the HSA can be found on this page. By visiting the site, you can: • Understand how the HSA works with the Children’s Health Plus Plan; • Gather information about the HSA’s tax advantages; • See an example of how the account can grow through pre-tax contributions (yours and the hospital’s) and interest; • Learn about the ability to roll over balances from year to year; • Understand how the account works for you today, throughout your career and into retirement;
The PLUS When you enroll in the Children’s Health Plus Plan, you’ll have the option to use an HSA to pay for qualified healthcare expenses for you and your family, including expenses that are subject to the annual deductible. The hospital automatically contributes to your HSA — helping you to pay for your healthcare and meet your deductible. You can add to your HSA by making pre-tax contributions through payroll deductions.
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Want to learn more about the HSA?
• Discover the account’s investment opportunities; • Learn how to open your account through Tango Health at https://hsa.tangohealth.com; • Find HSA-related articles and other resources. Just click on the Health Savings Account button on the HR/Benefits/Health-Plans page for more details.
Enroll by Nov. 5, 2016. Go to www.akronchildrens.bswift.com
Team Up with the Health Savings Account Make the HSA part of your winning team of benefits! The HSA is a tax-advantaged savings account that you can use to pay for healthcare expenses for you and your eligible family members now and in the future — even during retirement. The HSA is only available when you enroll in the Children’s Health Plus Plan. The account belongs to you and grows through your contributions, the hospital’s contributions and interest. Here’s an overview of how the HSA works:
1. 2.
Select the Children’s Health Plus Plan, which includes the hospital-funded HSA.
It’s Your HSA — Go All In! The hospital’s contributions to your account will help cover qualified healthcare expenses (including the deductible) each year, but the HSA will roll further into the future with your own contributions.
3.
Set up the HSA with Tango Health (the hospital’s designated provider) before Jan. 1. Any expenses incurred before you set up your account are not eligible for reimbursement.
4.
Reach for the HSA debit card to pay for eligible healthcare expenses. You can use the account to pay the deductible, co-pays and coinsurance (including prescription drug, dental and vision services) for you and your family. As long as the healthcare expenses are eligible, there’s no tax on the money you use from the account. See page 6 for a partial list of eligible services.
5.
Grow your account! Unused balances roll over from year to year and can grow into a substantial nest egg during your career. All of the money in the HSA is yours to use for healthcare expenses, even if you retire or leave Children’s.
• You can make pre-tax contributions through payroll deductions: up to $2,100 single/$4,250 family annually. • The hospital adds to your account by contributing $1,300 single/$2,500 family each year.
Already have an HSA through Children’s? You don’t need to activate the account for 2017, but you can change your contributions at any time by going to https://hsa.tangohealth.com.
If you are enrolled in Medicare Part A or B, you can enroll in the Health Plus Plan, but you aren’t eligible to participate in the Health Savings Account (HSA). This HSA eligibility restriction applies only to you (the employee), not your spouse/ same-sex domestic partner. As long you are not enrolled in Medicare Part A or B, you and your spouse/same-sex domestic partner can participate in the HSA, even if your spouse/same-sex domestic partner is enrolled in Medicare.
HSA Contributions To help pay a significant portion of the Children’s Health Plus Plan’s annual deductible, and to help you set aside savings for healthcare expenses during your retirement, Children’s will make contributions to your account at the beginning of each quarter. The amount of the hospital’s contribution is based on your coverage level. The Internal Revenue Service sets an annual maximum on contributions to HSAs. In 2017, the maximum annual balance is $3,400 single and $6,750 family. Maximum annual HSA balance
Children’s annual contribution to your HSA
Your maximum annual contributions (26 pays per year)
Single
$3,400
$1,300
$80.76 per pay period ($2,100 in 2017)
Family
$6,750
$2,500
$163.46 per pay period ($4,250 in 2017)
If you are 55 or older, you may contribute an additional $1,000 in “catch-up” contributions to the account. You can change or stop your HSA contribution amount at any time at https://hsa.tangohealth.com.
Your Choice. Your Benefits. Your Future.
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How the HSA Affects Your Flexible Spending Account (FSA)
Your Prescription Drug Expenses and the HSA
The Internal Revenue Service prohibits you from enrolling in both our HSA and a traditional Health Care FSA, because doing so would provide duplicate tax benefits for healthcare expenses. If your spouse/same-sex domestic partner is participating in another healthcare plan such as a Health Care FSA or Health Reimbursement Account, contact Tango Health (the hospital’s HSA provider) at 866-384-8549 or
[email protected] to help clarify the IRS rules that determine if you and your spouse/same-sex domestic partner can use the HSA.
When you enroll in the Children’s Health Plus Plan, your prescription drug expenses will be applied to your medical plan deductible. After you meet the plan deductible, you will pay the prescription drug co-pay or coinsurance amounts (depending on the category of the drug).
You can use your HSA to pay for the prescription, but keep in mind that you cannot withdraw more for healthcare costs than the balance available in the account. For example, if you have a balance of $325 in your HSA and you have a healthcare You can, however, enroll in a Dependent Care Flexible Spending expense of $400, you can use the full amount of the HSA Account (DCFSA). A DCFSA allows you to set aside pre-tax toward the bill, and you will have to pay the remainder outside money to be used for certain childcare or eldercare expenses. the HSA. You can then reimburse yourself from the HSA for the Check out the Flexible Spending Account page on myKidsnet $75 you had to spend out of pocket, once additional deposits (under HR/Benefits) for more details. are made into the account. The HSA can be used for a wide variety of healthcare expenses. This is a partial list of eligible services: • Ambulance
The amount you pay for prescription drug co-pays or coinsurance during the plan year is capped at the Children’s Health Plus Plan out-of-pocket maximum amount. Once you meet that maximum, your prescriptions are covered at 100% for the remainder of the year.
• Chiropractor visits • Dental (including orthodontia) • Diagnostic services • Doctor and specialist visits • Eyeglasses, contacts and eye exams • Hearing aids • Hospital services (inpatient and outpatient) • Laboratory fees • Operations (cosmetic surgery not covered unless medically necessary) • Prescription medication • X-rays A complete list can be found at http://www.irs.gov/pub/ irs-pdf/p502.pdf.
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Enroll by Nov. 5, 2016. Go to www.akronchildrens.bswift.com
Additional Medical Plan Options While the Children’s Health Plus Plan with its Health Savings Account (HSA) highlights your 2017 medical plan options, there is one other choice for medical coverage: Children’s Conventional Plan.
Remember to receive your seasonal influenza vaccine by Nov. 30. You can find details on the vaccine program at https://mykidsnet.chmca.org/myHR/EmployeeHealth/ Pages/EmployeeInfluenzaVaccineProgram.aspx
The Children’s Conventional Plan This plan is a Preferred Provider Organization (PPO) administered by Medical Mutual of Ohio (MMO). The plan offers MMO’s network of providers and comprehensive coverage for you and your family. Through this plan there is a flat dollar co-pay for office visits, urgent care and use of the emergency room. Most other expenses are covered at a coinsurance percentage after the deductible is met.
All of the medical plan options include these wellness benefits covered at 100 percent: • In-network preventive care visits • In-network immunizations for you and your covered dependents • Wellness screenings
Pharmacy Benefit All options include benefits for prescription drugs. Pharmacy Benefit
Generic Formulary Brand
Non-Formulary Brand Specialty Medications*
Children’s Outpatient Pharmacy (for 30-day supply)
Caremark Retail Pharmacy Network (for 30-day supply)
Maintenance Choice or Mail Order (for 90-day supply)
$10
$10
$20
25% $15 minimum $75 maximum
30% $20 minimum $100 maximum
25% $35 minimum $150 maximum
35% $30 minimum $250 maximum
40% $40 minimum $400 maximum
35% $70 minimum $500 maximum
$10 generic/$100 brand co-payment, 30-day supply max.
*Most specialty medications are not available at Children’s Hospital Outpatient Pharmacy or other retail pharmacies, but are available through CVS Caremark Specialty Pharmacy.
The list of $0 co-pay medications has been updated! Here’s the link: https://mykidsnet.chmca.org/myHR/Benefits/ Documents/OE2016/Free%20Rx.pdf
Your Choice. Your Benefits. Your Future.
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Decision-making Tools at Your Fingertips Interested in learning how the Children’s Health Plus Plan may fit your family’s needs? Compare the plan — “apples to apples” — to the other options. A plan comparison tool is available to help you determine which plan is a better fit. Customized for Akron Children’s, the tool offers a personalized side-by-side summary of your estimated healthcare costs under the plan options. It’s easy to use, confidential, and you’ll have comparison results in minutes. Follow these 5 simple steps or ask a benefit enroller to assist you:
1.
Go to the Tango plan comparison tool at the benefits enrollment website: www.akronchildrens.bswift.com. You can also access the site directly at https://plan.tangohealth.com/ plan/a/plan/ach16/?page=1.
2.
At the first page, complete several questions about your level of coverage, date of birth, pay, tax bracket and whether you plan to use an HSA or Health Care FSA. The answers to these questions are used in the comparison calculations.
3.
Select the plans you’d like to compare.
4.
On the Cost Estimation page, you’ll provide some responses to how you use healthcare (preventive only; a few times a year; minor conditions; chronic conditions, etc.). Based on the information you provide and a variety of assumptions, the tool will instantly estimate the number of office visits, prescriptions, hospital inpatient services, urgent care visits, emergency room care, diagnostic/laboratory and radiology services, etc. You can adjust the numbers as needed, and you can input actual claims costs.
5.
Click the “Next: Summary” button to see the plans compared side-by-side. The summary will also show the effect the HSA can have to help pay for healthcare costs throughout the year.
Off the bench: Additional resources Children’s is also offering: • One-on-one sessions with benefit enrollers to explain: –– Online tools –– Benefit plans –– Voluntary insurance programs –– The enrollment process • Videos on myKidsnet Benefit enrollers will be on site to assist you. Check myKidsnet for a list of dates and times. You can also call 888-261-1525 to set up an appointment. For general questions, contact the Human Resources Department by email at
[email protected] or call 877-730-8228.
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Enroll by Nov. 5, 2016. Go to www.akronchildrens.bswift.com
Comparing the Deductibles? If you’re considering the Children’s Health Plus Plan, but you’re hesitant to enroll because of its annual deductible, take a moment to review this table. It’s a comparison of the Children’s Health Plus Plan and the Children’s Conventional Plan, which assumes an employee has healthcare expenses resulting in the annual deductible being satisfied, out-of-pocket maximum being reached, and the amount the employee saves per pay from the Health Plus Plan’s lower premium is contributed to an HSA. Single Coverage Children’s Health Plus Plan
Children’s Conventional Plan
Maximum exposure Annual deductible
$2,600
Coinsurance limit
Total
$4,100
HSA used to help cover healthcare costs
+ $1,500
$400
+ $1,800
$2,200
Hospital’s annual contribution
($1,300)
Your annual premium differential*
Total
($2,184)
None
+ ($884)*
Total cost for healthcare
$1,916
$2,200
Difference in cost between the plans
($284)
$284
Less expensive plan
Family Coverage Children’s Health Plus Plan
Children’s Conventional Plan
Maximum exposure Annual deductible
$5,000
Coinsurance limit
Total
$8,000
HSA used to help cover healthcare costs
+ $3,000
Hospital’s annual contribution
($2,500)
Your annual premium differential*
Total
($5,204)
$800 + $3,600
$4,400
None
+ ($2,704)*
Total cost for healthcare
$2,796
$4,400
Difference in cost between the plans
($1,604)
$1,604
Less expensive plan
*The per pay premium for the Children’s Health Plus Plan is lower than the Children’s Conventional Plan. That difference in cost is the premium differential. The differential — the amount saved each pay period by choosing the Children’s Health Plus Plan — can be contributed to the HSA and further help to cover the cost of healthcare costs, including the annual deductible.
Your Choice. Your Benefits. Your Future.
9
2017 Medical Plan Comparison Children’s Health Plus Plan Plan Feature Preventive Care
Children’s Conventional PPO Plan
Akron Children’s
In-Network
Out-of-Network
Akron Children’s
In-Network
Out-of-Network
Covered at 100%
Covered at 100%
50% after deductible
Covered at 100%
Covered at 100%
50% after deductible
$400 Single
$1,000 Single
$800 Family
$2,000 Family
$2,600 Single*
Deductible
N/A
$5,000 Family*
What you pay for most services
$0 after deductible
10% after deductible
50% after deductible
$0 after deductible
20% after deductible
50% after deductible
Office Visit
$0 after deductible
10% after deductible
50% after deductible
$0
$25 co-pay
50% after deductible
Specialist Office Visit
$0 after deductible
10% after deductible
50% after deductible
$0
$35 co-pay
50% after deductible
Urgent Care Visit
$0 after deductible
10% after deductible
50% after deductible
$0
$35 co-pay
50% after deductible
Emergency Room Visit Emergency Emergency Room Visit Non-Emergency Prescription Drugs Preventive Care Drugs Coinsurance Limit Excluding Deductible Coinsurance Limit Plus Deductible Hospital’s HSA contribution
$0 after deductible $0 after deductible
10% after deductible
$75 co-pay 50% after deductible
20% after deductible
$150 co-pay
50% after deductible
See Pharmacy Benefit Chart on page 7 for your cost-share portion AFTER the deductible is met.
See Pharmacy Benefit Chart on page 7 for your cost-share, no deductible applies.
Covered at 100%. See listing of covered preventive drugs on myKidsnet.
Covered at 100%. See listing of covered preventive drugs on myKidsnet.
$1,500 Single*
$7,500 Single*
$3,000 Family*
$15,000 Family*
$4,100 Single* $8,000 Family* $1,300 Single**
N/A
$10,000 Single* $20,000 Family*
N/A
$1,800 Single
$10,000 Single
$3,600 Family
$20,000 Family
$2,200 Single
$11,000 Single
$4,400 Family
$22,000 Family
$2,500 Family**
N/A
**Prescription drug expenses apply to this Plan’s deductible, coinsurance limit and maximum out-of-pocket. **Employees age 55 and older may make an additional annual contribution of $1,000 to the HSA (referred to as catch-up contributions).
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Enroll by Nov. 5, 2016. Go to www.akronchildrens.bswift.com
Check the Game Clock! It’s Time to Enroll!
Enrollment is easy — just follow these steps:
1.
Enroll between Oct. 24 and Nov. 5, 2016, for your 2017 benefits. Go to www.akronchildrens.bswift.com
• Username: Your first, middle and last initial followed by your 4- or 5-digit employee number • Password: Last 4 digits of your Social Security number • Answer a security question
2.
We strongly recommend that you meet with an on-site benefit enroller. If needed, more detailed instructions are on the bswift benefits enrollment website.
3.
You can go back as many times as you like and make any changes before the Open Enrollment window closes at midnight EST on Nov. 5, 2016. Be sure to “Save” your elections before closing out.
Got Your Winning Lineup for 2017?
1. 2. 3.
5.
Review your current coverage. Read this guide to understand what’s new for 2017, as well as the highlighted plans to consider. Gather dependent information before you enroll:
• Social Security number • Legal name • Date of birth
Ask questions. HR/Benefits representatives are available to answer questions before you make your elections. Call 888-261-1525 or send an email to benefits@ chmca.org.
6.
If you are enrolling your spouse/same-sex domestic partner, please refer to page 13. Return the completed Spouse/Same-sex Domestic Partner Medical Eligibility form to HR/Benefits by Nov. 30, 2016, to ensure your spouse/same-sex domestic partner will be eligible for coverage in 2017.
4.
Compare the medical plans, using the available tools (see pages 8 and 10). Click on the Open Enrollment link on the HR/Benefits page to access these resources.
Your Choice. Your Benefits. Your Future.
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Keeping Score: Health Risk Assessment (HRA) Champions don’t win every game, but they’re always striving to improve their game. And they always keep an eye on the score. When it comes to our well-being, each of us has a score that needs to be tracked — and Akron Children’s offers the Health Risk Assessment (HRA) to help you identify your health risks.
The incentive to complete the HRA and biometric screening by Dec. 31, 2016, is $100.
The HRA is an online questionnaire designed to review your health status and provide you with a customized report. This information is completely confidential, and only aggregate health risk results are shared with the hospital. In addition to providing you with valuable information about your health risks, the website https://akronchildrens.biovia.healthfitness.com includes handy tools and articles on improving and/or maintaining your health. To complete your HRA for 2016, go to https://akronchildrens.biovia.healthfitness.com before Dec. 31, 2016. If you have not used this website in 2016, you’ll need to register as a new user. Use your 5-digit employee ID number as your username and enter a password.
Health Screenings As part of this process, be sure to take advantage of our free health screenings. You can find the schedule of screenings on myKidsnet, posters and other communications. At the conclusion of your screening, the Health Fitness staff will review your biometrics (blood pressure, cholesterol, etc.) with you, and a Health Fitness staff member will enter them into your HRA for you as well. Please note that your biometrics must be professionally entered into your HRA by a Health Fitness staff member before year’s end for you to be eligible for a $100 incentive in early 2017. If you are unable to take part in one of the onsite health screenings, you may have your physician complete the Alternate Means Form (available under “Wellness” at myKidsnet/your HR/Forms) with your biometrics and submit the form directly to Health Fitness before Dec. 31, 2016. For questions about logging in, the health screenings, or the Health Risk Assessment, call Health Fitness directly at 866999-9129. If you have further questions or need additional information about Children’s wellness programs, contact Mary Lynne Zahler, wellness manager, at 330-543-4708, or Melody Case, wellness coordinator, at 330-746-8716.
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Enroll by Nov. 5, 2016. Go to www.akronchildrens.bswift.com
Dependent Eligibility To be eligible for medical, dental and/or vision coverage through plans offered by Children’s, your dependent must be a spouse, same-sex domestic partner or child. You may cover dependent children up to the end of the month they turn 26. Please note that adult children who have other employment-based health benefits are eligible. The age 26 restriction may not apply if a mentally or physically handicapped dependent is incapable of self-sustaining employment due to disability, provided that child does not have health coverage available through his/her own employment and is not eligible for coverage under Medicare or Medicaid. For additional details about dependent eligibility, go to the HR/Benefits/Eligibility and Effective Dates page on myKidsnet, or log on to the bswift benefits enrollment site.
Spousal/Same-sex Domestic Partner Restriction All Children’s medical plans are subject to a spousal restriction. You can enroll your spouse/same-sex domestic partner under your Children’s medical plan for primary coverage if: • Your spouse/same-sex domestic partner does not have other group medical coverage available, or • Your spouse/same-sex domestic partner’s employer requires employees to pay more than 49% of the single coverage cost. This restriction applies even if your spouse/same-sex domestic partner’s employer has a lesser benefit plan (including a high deductible health plan), or if the network doesn’t include providers that are included in your Children’s network. The restriction does not apply to dental, vision or Health Care FSA or HSA benefits.
Secondary Coverage If your spouse/same-sex domestic partner enrolls in his/her employer’s medical plan, it provides primary coverage for him/her. You may still choose to cover your spouse/same-sex domestic partner under your Children’s medical plan, but it will provide secondary coverage only. Secondary coverage refers to the order in which benefit payments will be determined. Under our Coordination of Benefits, the hospital’s medical plan will: • Only pay the difference between what your spouse/samesex domestic partner’s employer’s plan paid and the normal benefit payable under the Children’s plan. • Provide no additional benefit if our secondary plan payment is less than or equal to your spouse/same-sex domestic partner’s primary plan payment. • Not provide secondary coverage in any of the Children’s medical plans to your spouse/same-sex domestic partner if he/she has an HSA through another employer’s medical plan.* • Apply the birthday rule to determine which plan is primary if dependent children are covered under both parents’ medical plans. Dependent children can be covered under either parent, regardless of which parent’s birthday falls earlier in the year. *If you’re enrolled in the Children’s Health Plus Plan and have activated the HSA, you’re not eligible for secondary coverage from a spouse/same-sex domestic partner’s plan.
Qualifying Life Events Qualifying life events include: • Marriage • Divorce • Birth • Adoption • Your covered spouse/same-sex domestic partner or dependent child’s eligibility for medical coverage changes You have 31 days after a qualifying event (or 90 days if you are adding a chlid after birth/adoption/placement for adoption) to make applicable changes in coverage at www.akronchildrens.bswift.com. See the website for detailed instructions.
Your Choice. Your Benefits. Your Future.
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Your 2017 Benefits At-a-Glance If you are benefits eligible, here’s a summary of the benefits you can elect or change during Open Enrollment. Medical Plans (all options include Prescription Drug coverage)
Children’s Health Plus Plan with Health Savings Account Children’s Conventional Plan
Dental Plan
Guardian Dental Plan
Vision Plan
EyeMed Essential Plan EyeMed Enhanced Plan
Flexible Spending Accounts (FSAs)
Health Care Flexible Spending Account (HCFSA) Dependent Care Flexible Spending Account (DCFSA)
Life Insurance
Basic (Core) Life and AD&D Insurance
1x Basic Annual Earnings (up to $750,000)
Optional Life and AD&D Insurance
1x, 2x or 3x Basic Annual Earnings (up to $750,000)
Dependent Life Insurance
Disability Protection
Voluntary Benefits
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$10,000 coverage for Spouse/Same-sex Domestic Partner
$5,000 coverage for each child
$100 coverage for child up to six months
Short Term Disability Long Term Disability Group Universal Life Insurance Critical Illness Coverage Individual Disability Policies MetLife Home and Auto Insurance
Enroll by Nov. 5, 2016. Go to www.akronchildrens.bswift.com
About this booklet This enrollment guide is designed to provide an overview of the changes to the Akron Children’s Hospital benefit plans. Should there be any conflict between the explanation in this guide and the actual terms and provisions of the plan documents and contracts, the terms of the plan documents and contracts will govern in all cases. You will not gain any new rights or benefits because of a misstatement or omission in this booklet. None of the information should be interpreted as a guarantee of employment. Akron Children’s Hospital reserves the right to amend, change or terminate any benefit at any time. This Open Enrollment guide and all related benefits information are posted on myKidsnet under HR/Benefits. Language assistance services are available to you free of charge.
Need Help? Benefit enrollers will be available on the Akron campus, Beeghly campus and other Akron Children’s locations during open enrollment. Check with your manager on the dates/times in your department or call 888-261-1525 to make an appointment.
Questions? Call 888-261-1525 or send an email to
[email protected].
Open Enrollment Disclosure Statements All required disclosure notices were mailed or emailed to employees by the end of October 2016. These notices are also available at myKidsnet under HR/Benefits/Summary Plan Descriptions and in the bswift online library. If you are unable to access this information, you can request a copy from the HR/Benefits Department at 330-543-8330 or by emailing
[email protected]. Akron Children’s Hospital complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability or sex.
Important Note The Affordable Care Act (ACA) has an individual mandate that requires most Americans to have health insurance. You may select coverage from Children’s, the Health Insurance Marketplace or a government-sponsored plan, such as Medicaid or Medicare. For 2017, if you do not have health insurance, you may be subject to pay a penalty of $695 or 2.5 percent of your income (whichever is greater). Electing coverage through the Marketplace is not a qualifying event that would allow you to drop coverage through Children’s, nor would cancellation of that coverage allow you to elect coverage through Children’s, outside of the open enrollment period. You will receive a 1095-C Form from the hospital (required by the ACA) that you should keep with your income tax returns to show that you had (or did not have) health insurance coverage from the hospital in 2017.
Your Choice. Your Benefits. Your Future.
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Your Choice. Your Benefits. Your Future.
Be Your Own Champion!
2017 Open Enrollment Information Inside
Meet with a benefit enroller Akron Campus
MV Beeghly Campus
Oct. 24 – Oct. 28 (7:30 a.m. – 5 p.m.) in the Medical Library
Oct. 25 (7:30 a.m. – 5p.m.) in HR/Admin Conference Room (C2069)
Oct. 31 – Nov. 4 (7:30 a.m. – 5 p.m.) in the Medical Library
Nov. 4 (7:30 a.m. – 5 p.m.) in HR/Admin Conference Room (C2069)
Oct. 26 (8 p.m. – 12 a.m.) in the vending area on the 3rd floor Nov. 3 (8 p.m. – 12 a.m.) in the vending area on the 3rd floor Employees may walk in at any of the times above. Employees at any Akron Children’s location may call 888-261-1525 to schedule an appointment with a benefit enroller.
