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									2012 Open Enrollment

November 1, 2011 – November 16, 2011




                                       1
Agenda for the Meeting
   Overview of Open Enrollment
   What’s
   Navigation and Technical Information
   Questions
   HSA High Deductible Plan



                                           2
Benefit Open Enrollment
   Select or change your benefit options
    for 2012
   Selections can be made from Tuesday,
    November 1 at 8:30 a.m. until
    Wednesday, November 16 at 5:00 p.m.
   Process is completed using web pages
    in your Employee Portfolio

                                       3
Help During Open Enrollment
   Hands on Sessions with Benefits Staff:
       HR Office
       Just drop in; no appointment necessary
            Tuesday, Nov 15, 9 a.m. to 5:00 p.m.
            Wednesday, Nov 16, 9 a.m. to 5:00 p.m.
   benefits@wesleyan.edu
   Pat Melley x4889
   Amy Walsh x2338

                                                      4
What’s

   2012 Premium Subsidy

   Medical Plans

   Prescription Plan

   Vision - CIGNA


                           5
     2012 Premium Subsidy
            Eligibility : Base earnings equals
             $50,000 or less
                   Monthly    Semi-monthly   Weekly


Employee           $50.00     $25.00         $12.50


Employee + 1       $108.33    $54.17         $27.08


Family             $133.33    $66.67         $33.33


                                                      6
                  Medical Plan Changes – in network
                                  Current         January 1, 2012
                            HMO          POS   HMO             POS


Office Visits
Preventative PCP            $10         $10    $0            $0
              Specialist    $20         $20    $0            $0

Illness        PCP          $10         $10    $20           $20
               Specialist   $20         $20    $20           $20

In- office surgical         $20         $20    $40           $40


Outpatient surgical         $0          $0     $100          $100
Emergency Room              $50         $50    $100          $100

Inpatient hospital          $0          $0     $100          $100

                                                                     7
    Medical Plan Changes – out of network


                           Current         January 1, 2012
                    HMO           POS   HMO             POS

Coinsurance after   Not covered   80%   Not covered    70%
deductible




                                                              8
    Pharmacy Plan Changes – Retail – 30 day supply
                            Current         January 1, 2012
                           MedImpact           CIGNA
                       HMO          POS   HMO            POS
Generic
            Coinsurance 20%        20%    20%           20%
            Min. Copay $5          $5     $5            $5
            Max. Copay $50         $50    $50           $50

Preferred
            Coinsurance 25%        25%    25%           25%
            Min. Copay $10         $10    $15           $15
            Max. Copay $50         $50    $50           $50



Non-Preferred
           Coinsurance 25%          25%   25%           25%
           Min. Copay $10          $10    $20           $20
           Max. Copay $50          $50    $50           $50
                                                               9
  Pharmacy Plan Changes – Mail Order Delivery – 90 day at retail
                            Current             January 1, 2012
                           MedImpact               CIGNA
                       HMO          POS       HMO            POS
Generic
            Coinsurance 20%          20%      20%             20%
            Min. Copay $10           $10      $10             $10
            Max. Copay $100          $100     $100            $100

Preferred
            Coinsurance 25%          25%      25%             25%
            Min. Copay $20           $20      $30             $30
            Max. Copay $100          $100     $100            $100



Non-Preferred
           Coinsurance 25%            25%     25%             25%
           Min. Copay $20             $20     $40             $40
           Max. Copay $100            $100    $100            $100
                                                                   10
Pharmacy Plan Design Changes
   Diabetic supplies – 100%
    coverage

   Step Therapy Program –
    effective May 1, 2012

                               11
CIGNA Vision Plan

   In-network eye exams – 100%
    In-network provider directory:
     www.cigna.vsp.com
   Out of network eye exams – up to $75
    reimbursement
   No reimbursement for glasses or contacts


                                               12
     Navigation
        and
Technical Information



                        13
2012 Open Enrollment Pages

   VPN : Required if off campus:
    Webvpn.wesleyan.edu
   Challenge Questions: Your personalized questions
    for added security and confidentiality
   Authorization Page: Seen only the first time you
    enter
   Benefit Elections and Confirmation Page: The
    primary “landing page” where all your selections are
    displayed and summarized after you make them
   Individual Elections Pages: Where you enter your
    benefit choices. Remember to hit submit.
                                                      14
Individual Elections Pages
   These choices carry over from 2011, but you should
    review them or change as necessary:
      Health Benefits: Medical, Dental, Vision and your

       covered dependents
      Life Insurance Benefits: Supplemental Life,

       Spouse/Domestic Partner Life, Dependent Child
       Life and all beneficiary options
      SRA/Roth




                                                      15
Individual Elections Pages
   These benefits MUST be completed for
    2012 to continue

       Flexible Spending Accounts: Medical
        Expense Reimbursement Account (MERA)
        and Dependent Care Account




                                           16
QUESTIONS?




             17
                 HSA High Deductible Plan
                  In- Network Coverage
Coverage                            2012 HSA Plan
Deductible                 Single $1,500
                           Family $3,000

Coinsurance after deductible        100% (with exception of Rx copays)
Out of Pocket Maximum Single $3,000
                      Family $6,000
Office visits        Preventative   $0
                     Illness        Deductible
In-office & outpatient surgical     Deductible
Inpatient hospital                  Deductible
Emergency room                      Deductible
Urgent care visits                  Deductible
Lab & x-ray                         Deductible
                                                                         18
             HSA High Deductible Plan
             Out of Network Coverage


Coverage                        2012 HSA Plan
Deductible               Single $1,500
                         Family $3,000

Coinsurance after deductible    80%
Out of Pocket Maximum Single $3,000
                      Family $6,000




                                                19
Health Savings Account

   Wesleyan will match dollar for dollar up
    to $500
   Funds will be deposited into bank
    account
   MERA contributions not allowed


                                          20

								
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