A Matter of Health Connecting Work & Life
News About Insurance, Retirement and Wellness Programs for The University of Texas System June 2012
Special ANNUAL ENROLLMENT Edition
for Retirees of the University of Texas System
This June 2012 “A Matter of Health” newsletter is a special Annual Enrollment (AE)
edition providing details on the benefits enrollment process and the uniform benefits
plan for UT retirees and their qualified dependents.
You can view all monthly newsletters online at: www.utsystem.edu/benefits/newsletter
Annual Enrollment Timeline
Annual Enrollment Timeline . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2
The 2012-2013 Annual Enrollment Benefits Overview . . . . . . . . . . . . . . . . . . . . . . . . 3
UT SELECT Medical Premium Rates and Plan Design . . . . . . . . . . . . . . . . . . . . . . . . . 4
New Tobacco Premium Program to be Effective September 1, 2012 . . . . . . . . . . 5
DENTAL Plan Options . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6
A NEW Vision Plan Option and Optional Plans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8
Understanding Dependent Eligibility and Documentation Requirements . . . . . 9
Healthy Recipe of the Month . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10
Contact Information for Plan Administrators . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
Annual Enrollment Timeline
Annual Enrollment Period: July 15 – July 31, 2012 Make your Coverage Elections with
Annual Enrollment for benefits for the 2012-2013 plan year My UT Benefits: July 15 – July 31, 2012
begins on Sunday, July 15, 2012, and ends on Tuesday, July 31, Use the secure online My UT Benefits website to make your
2012. During this period, you can: declaration as a tobacco user, make new coverage elections,
change your benefits elections, upload dependent documen-
• Make changes to your benefits, tation, submit an Evidence of Insurability (EOI) Application,
• Make your declaration as a tobacco user or non-tobacco and designate your beneficiaries for life insurance.
• Request new coverage for eligible dependents, and You can connect to My UT Benefits with your internet browser
• Remove ineligible dependents from the program. by following the link in your Enrollment Options Letter. You
can login by using the PIN number listed in the letter and
Carefully review the “2012-2013 Annual either your Benefits ID, Campus ID or social security num-
Enrollment Benefits Overview” ber. At some UT institutions, you can also login with your UT
Insurance plan premium rates, plan changes and other details EID and password or where Single Sign On (SSO) is available,
are summarized in the table on page 3 for your convenience. by using your local Campus ID and password. After you make
your insurance coverage election or change, be sure to carefully
Make Informed Benefits Choices: Annual review your Confirmation Letter the next day to ensure your
Enrollment Website Available July 13, 2012 election was correct.
Details about Annual Enrollment will be available on the OEB Complete Evidence of Insurability (if required):
website beginning July 13, 2012. Use the website to learn your Deadline August 15, 2012
benefits plan options, view brief and informative presentations
by the insurance vendors, and keep up with the latest remind- Evidence of Insurability (EOI) is not required for enrollment
ers for AE which occurs between July 15 and July 31, 2012. in the UT SELECT Medical plan. During Annual Enroll-
ment, EOI is required to enroll in certain insurance coverage
Your UT Benefits Enrollment Options Letter: including life, and long term care insurance.
Delivery by July 15, 2012
By July 15, 2012, retirees will receive a letter titled “Your UT
Benefits Enrollment Options” via email or hard copy. The let-
ter lists your current coverage as well as the options that are
available for you to elect that will become effective September
The 2012-2013 Annual Enrollment Benefits Overview
The 2012-2013 Annual Enrollment Benefits Overview table allows you to quickly view your insurance plan options and to
easily see if there are changes to the premium rates and learn what is new within each of the plans. Additional information is
included in the last column to highlight details such as evidence of insurability requirements and a brief description of the
tobacco premium program.
Insurance Plan Premium Rates Plan Changes Additional Information
UT SELECT Medical (BCBSTX) No changes to copayments,
Slight increase for dependent
and Prescription Drug Plan deductibles, or out-of-pocket No EOI required See pg. 4
New cost based on three cat-
• Member $30 per month;
Applies to tobacco user(s) • Spouse $30 per month, and
New! Medical Tobacco New monthly cost billed with
enrolled in the UT SELECT • Child(ren) $30 per month.
Premium Program UT SELECT Medical premium
Maximum of $90 per family
per month for three or more
tobacco users See pg. 5
UT SELECT Dental Ideal for standard dental care
No changes New benefit for night guard
(Delta Dental) needs See pg. 5
Higher annual benefit maxi-
New! UT SELECT Dental Plus Coordinates with UT SELECT
New rates! mum than UT SELECT Dental
(Delta Dental) Dental See pg. 6
Expanded coverage area, new
DeltaCare DHMO USA New Dental HMO vendor
Reduced rates provider network, simplified
(Delta Dental) See pg. 7
Ideal for standard vision care
Vision (Superior Vision) No changes No changes
needs See pg. 8
Higher allowances than stan-
New! Vision Plus Expanded benefits for lens dard vision plan for frames,
(Superior Vision) options contacts, and progressive
lenses See pg. 8
EOI required, must be submit-
Long Term Care (CNA) No changes No changes ted directly through CNA
See pg. 8
Voluntary Group Term Life
No changes No changes EOI required See pg. 8
UT SELECT Medical Premium Rates and Plan Design
The UT SELECT Medical plan administered by Blue Cross The following chart reflects the cost of Basic Coverage for
and Blue Shield of Texas is self-funded by the UT System. As Retirees for plan year 2012-2013 and the change from the
a self-funded plan, all claims are paid by UT System through previous plan year. The final column advises readers to review
funds allocated by the State Legislature, UT System Institu- the article on the new Tobacco Premium Program.
tions, and member out-of-pocket premium costs (for depen-
Premium Rates for Plan Year 2012-2013
Basic Coverage*: Retirees
New Monthly Out-of-Pocket Change from Previous Plan Additional Cost for Tobacco
Cost for Full-Time Retirees Year Ending on August 31 Premium Program
Retiree $0.00 No Change
$0 to $90 per month based
Retiree & Spouse $207.98 $8.96 upon tobacco user status (see
Retiree & Child(ren) $217.52 $9.37 article on Tobacco Premium
Program for more details)
Retiree & Family $409.57 $17.64
* Basic Coverage includes UT SELECT (medical and prescription coverage), plus the cost of retiree $6,000 Basic Life.
Based upon available funding and positive plan performance The UT SELECT Medical plan offers a robust list of pre-
during the current benefit year (2011-2012), there will be no ventive care benefits. To view a list of preventive care benefits
changes or cost increases for: through the UT SELECT plan as well as information on pre-
ventive care benefits as required by the Affordable Care Act
• UT SELECT Medical annual deductible (healthcare reform), go to our Living Well: Make it a Priority
• UT SELECT Medical coinsurance or copayment website.
amounts for physician office visits
• UT SELECT prescription benefit annual deductible Visit the OEB website at www.utsystem.edu/benefits for
(administered by Medco Health Solutions) complete information about the current UT SELECT
• UT SELECT prescription benefit copayment amounts Medical plan and the current UT SELECT Prescription
New Tobacco Premium Program to be Effective September 1, 2012
The use of tobacco is one of the leading preventable health What is the TPP and who does the TPP apply to?
risks worldwide. Because UT System is committed to pro- • An out-of-pocket premium of $30 per month
moting a culture of wellness and disease prevention, while • Applies to any tobacco user (16 and over) enrolled in the
also recognizing the costs associated with treating tobacco UT SELECT Medical plan
related health conditions, starting September 1, 2012, the
Tobacco Premium Program (TPP) will be implemented for
tobacco users enrolled in the UT SELECT Medical plan.
TPP Premium Rate(s)
Tobacco User Premium Monthly Out-of-Pocket Cost Additional Details of Tobacco Premium Program
Member $30 per month • $0 to $90 per month based upon number of tobacco users.
Spouse $30 per month • The premium for dependent children is $30 per month
regardless of how many covered dependent children use
Children $30 per month tobacco.
• The maximum premium is $90 per family per month.
Who is considered a tobacco user? Any additional premium associated with a tobacco user dec-
A person who has used any tobacco products within the past laration will start the first of the month following the declara-
sixty (60) days. tion or September 1, 2012, whichever is later.
What types of tobacco are included in the TPP? When does the online tobacco certification begin?
• Cigarettes The online certification process begins on July 15, 2012 (the
• Cigars start of Annual Enrollment).
• All forms of smokeless tobacco (chewing tobacco, snuff, How can the UT SELECT Medical plan help me quit us-
dip, or any other product that contains tobacco) ing tobacco?
• Clove cigarettes • UT System is providing UT SELECT Medical partici-
• And the use of any other smoking devices that use pants assistance in quitting tobacco by offering:
tobacco, such as hookahs. o Free Smoking/Tobacco Cessation Programs
o Pharmaceutical Therapy
Where and how do I certify that I use tobacco or that one o Nicotine Replacement Therapy (NRT) for UT
or more of my dependents use tobacco? SELECT Medical participants.
• During Annual Enrollment ( July 15, 2012 to July • All of these programs are currently available and more
31, 2012), employees and retirees enrolled in the UT information is available through the UT Living Well
SELECT Medical plan need to make a ‘Tobacco User website at www.lingwell.utsystem.edu/tobacco.htm.
Declaration’ for themselves and any covered dependents
by logging into My UT Benefits or by contacting your Where can I learn more about the TPP?
institution’s Human Resources office. A page of Frequently Asked Questions can be viewed on
• After Annual Enrollment closes, the online tobacco cer- OEB’s Tobacco Premium Program website at:
tification site will close, but members can still certify via www.utsystem.edu/benefits/medical/tobacco.htm
a paper form which can be obtained by contacting their
institution’s benefits office.
DENTAL Plan Options
UT SELECT Dental PPO Plan New! UT SELECT Dental Plus Plan
UT System continues to offer the UT SELECT Dental plan, In addition to the standard UT SELECT Dental plan, we are
a self-funded PPO plan administered by Delta Dental Insur- happy to offer an enhanced dental plan option called the UT
ance Company. As a self-funded plan, all claims are paid by SELECT Dental Plus plan. The UT SELECT Dental Plus
UT System. There are no premium changes and the benefits plan is a fully-insured plan provided by Delta Dental Insur-
remain the same with the exception of new coverage for night ance Company. For an additional premium, you will receive
guards. a higher level of benefits with the UT SELECT Dental Plus
Plan than with the standard UT SELECT Dental Plan.
UT SELECT Dental Premium Rates 2012 - 2013
UT SELECT Dental Plus Premium Rates 2012 - 2013
Enrollment Tier Premium (per month)
Retiree $30.86 Enrollment Tier Premium (per month)
Retiree & Spouse $58.58 Retiree $53.19
Retiree & Child(ren) $64.57 Retiree & Spouse $101.01
Retiree & Family $91.81 Retiree & Child(ren) $111.46
Retiree & Family $158.80
• New! Adding night guard benefit to be covered under Plan Design Features
Major Services at 50% • Freedom to choose any licensed dentist
• $3,000 annual benefit maximum
Plan Design Features • $3,000 lifetime orthodontic benefit maximum
• No other benefit design changes: $25 deductible, $1,250 • Pays greater percentage of submitted fees than the stan-
annual benefit maximum, separate $1,250 lifetime orth- dard UT SELECT Dental Plan
odontic maximum o 20% more for Basic Services
• Freedom to choose any licensed dentist o 30% more for Major and Orthodontic Services
Benefits and Covered Services Benefits and Covered Services
Diagnostic & Preventive Services 100% Diagnostic & Preventive Services 100%
Basic Services 80% Basic Services 100%
Major Services 50% Major Services 80%
Orthodontic Services 50% Orthodontic Services 80%
Visit www.utsystem.edu/benefits/dental for complete infor-
mation about the current UT SELECT Dental plan and the
new UT SELECT Dental Plus plan.
DENTAL Plan Options (Continued)
New! Dental HMO – DeltaCare USA Some added features with DeltaCare are fewer frequency
As the result of a recent Request for Proposal and competitive limits on some services, and lab fees included in the copay-
bid process, the fully insured dental HMO option formerly ment schedule so you know your costs up front. Plus, if you or
provided by Assurant Employee Benefits will now be provid- one of your covered dependents is in orthodontic treatment
ing by Delta Dental as DeltaCare USA. The new DeltaCare under the Assurant dental HMO or other dental insurance,
plan has reduced monthly premium rates while providing DeltaCare allows you to continue the treatment with your
the same features of the previous dental HMO plan with set current dental provider (regardless of their network status)
copayments, and no annual deductibles or maximums for with the same copayments and coverage of the previous plan.
covered benefits. In addition, the DeltaCare plan offers an
expanded service area to include the Tyler area and part of If you are currently enrolled in the dental HMO plan under
the Valley. Assurant and wish to continue to be enrolled in the dental
HMO plan with DeltaCare, your coverage will be automati-
DeltaCare Premium Rates 2012 - 2013 cally transitioned from Assurant to DeltaCare effective Sep-
tember 1, 2012. There are some differences in network provid-
Decrease from ers so you may need to choose a new dentist. If your current
Enrollment Tier Current Dental
(per month) Assurant dentist participates in the DeltaCare network, your
provider selection will remain in place unless you wish to
Retiree $8.55 $1.50
change your selection. If your current Assurant dentist does
Retiree & Spouse $16.25 $2.85 NOT participate in the DeltaCare network, you must select a
Retiree & Child(ren) $17.96 $3.15 new dentist in My UT Benefits during Annual Enrollment or
Retiree & Family $25.65 $4.50 one will be selected for you based on your address. Your cov-
erage option letter will alert you if you need to select a dentist.
Visit www.utsystem.edu/benefits/dental for complete infor- To find out if your current dentist is in the DeltaCare net-
mation about the current UT SELECT Dental plan and the work, you may call Delta Dental at (800)893-3582.
new UT SELECT Dental Plus plan.
A NEW Vision Plan Option
The Office of Employee Benefits and Superior Vision are Plan Design
pleased to offer you a new value-added vision plan option to The Plus Plan offers:
go along with your standard Superior Vision plan.
• $150 frame allowance (basic plan allows $140)
While the current Superior Vision plan remains available with • $150 contact lens allowance (basic plan allows $125)
its robust and highly utilized plan design, for a small increase • $120 progressive lens allowance (basic plan allows ben-
in premium the Plus Plan provides you with expanded, richer efits for standard lined trifocal lens)
benefits, including popular lens options covered in full and • Covered lens options:
higher retail allowances. o Polycarbonate, dependents to age 25 (basic plan does
Superior Basic Superior Plus o Scratch coat covered in full (basic plan does not cover)
Enrollment Tier Plan Plan o Ultraviolet coat covered in full (basic plan does not
(per month) (per month) cover)
Retiree $6.80 $10.80
Retiree & Spouse $10.76 $16.76 Visit the Superior Vision website at www.superiorvision.
Retiree & Child(ren) $10.96 $17.96 com/ut for complete information about the current Superior
Retiree & Family $17.40 $25.40
No Changes Planned for Long Term Care or
Voluntary Group Term Life Coverage Evidence of insurability (EOI) is required to enroll in these
plans during Annual Enrollment, so look for detailed infor-
The UT System Office of Employee Benefits (OEB) is
mation regarding EOI within My UT Benefits when you
pleased that Long Term Care and Voluntary Group Term Life
make your elections. Additional information about these two
insurance will continue to offer the same complete package
plans is available on the OEB website at www.utsystem.edu/
of benefits during the upcoming plan year, providing robust
protection and financial value for you and your family.
Understanding Dependent Eligibility and Documentation Requirements
With Annual Enrollment next month, it’s important to be Documentation
aware of the dependent eligibility rules for the UT Benefits For dependents that you wish to enroll in UT Benefits, you
program and the requirement to provide documentation must provide appropriate supporting documentation as evi-
verifying that your dependents are eligible to participate. As dence of eligibility. When requesting to add a dependent to
noted in last month’s A Matter of Health newsletter, the eli- your plan, you should be prepared to provide copies of rel-
gibility requirements to participate in certain UT Benefits evant documents which, depending on the relationship and
coverage as a dependent are determined by law. Here is a brief circumstances, may include items such as a marriage certifi-
review of those requirements as well as information about cate, birth certificate(s), completed adoption paperwork, or
providing required supporting documentation. other legal documents.
Eligibility New this year!
Eligibility to participate in certain UT Benefits coverage as a The My UT Benefits online system has been enhanced to allow
dependent is determined by law. Eligible dependents are: you to conveniently submit documents electronically when
adding NEW dependents to your benefits coverage during
• Your spouse, as defined by Texas Family Code; Annual Enrollment. To do this, you simply upload clear, leg-
• Your children, including stepchildren and adopted chil- ible digital images (scanned documents or photographs) of
dren, who are: required documents directly through My UT Benefits as evi-
o under age 26 regardless of marital status for the UT dence of your dependent’s eligibility. Additional information
SELECT Medical plan (due to federal eligibility will be available when you log into My UT Benefits includ-
rules), ing FAQs about the documentation upload process. There
o unmarried and under age 25 for other UT Benefits is now a separate tab for dependent information to help you
(Dental, Vision, Life, AD&D); find information that you may need more easily.
• Children for whom you are named a legal guardian or
who are the subject of a medical support order requiring IMPORTANT
• Your unmarried grandchild(ren) under age 25, provided Misrepresentation of dependent eligibility constitutes a
the child qualifies and is claimed as your dependent for policy violation that could result in consequences ranging
federal tax purposes; and, from a reprimand to dismissal and may also require that you
• Certain children over age 25 (over age 26 for the UT reimburse benefits paid on behalf of an ineligible individual.
SELECT Medical plan based on federal eligibility rules) Deliberate misrepresentation may constitute criminal fraud
who are determined by OEB to be medically incapaci- and could result in a referral to law enforcement.
tated and are unable to provide their own support.
The upcoming Annual Enrollment period provides an excel-
Enrolled children may remain eligible for UT Benefits as an lent opportunity to review your dependent coverage. It’s
incapacitated dependent if they are determined to be medi- especially important to verify that each of the individuals you
cally incapacitated at the time they age out of eligibility for cover as a dependent under any of your UT Benefits insur-
coverage as a child under the program (either at age 25 or ance plans still meets the definition of an eligible dependent.
26, depending on coverage type). An older dependent child For those who no longer qualify, you should cancel the cover-
who is determined to be medically incapacitated at the time age using My UT Benefits or by contacting your local Human
a subscriber first becomes benefits eligible may be enrolled Resources or Benefits Office for assistance.
in the plan if the child was covered by the subscriber’s pre-
vious health plan with no break in coverage. Please contact
your local Human Resources or Benefits Office for additional
information about covering incapacitated dependent chil-
Healthy Recipe of the Month
A Favorite Summer Veggie Recipe. Layer the prepared vegetables in a saucepan in this order:
Shared by: Charlotte A. Burrell, UT MD Anderson Corn, yellow squash, zucchini squash, tomato
With summer here and all these beautiful fresh vegetables
available, I get excited about making fresh veggie dishes. I Sprinkle with salt and add about 2 Tablespoons of water.
am sure that, by now, you have heard of “Calabasitas”, which Cover and place over low heat to “sweat” the vegetables. In
means “little squashes”—a Mexican dish using squash, fresh about 15-20 minutes, the squash will begin to produce liquid
corn, and ripe tomatoes. It was a favorite of mine growing and you can turn the heat up to medium low. Steam the veg-
up and I have served it with great success to “squash haters”, gies until the squash is tender when pierced with a fork. Do
if you can believe that. Here is my version below. I hope you not stir mixture. When it is done, pour the mixture into a
enjoy it as much as I have. I recommend that you do not take casserole, sprinkle the cheese evenly over the hot vegetables
any shortcuts but make it the traditional way—it tastes just so and cover until the cheese is melted. It makes a mild, sweet
much better! side dish to serve with grilled chicken or pork loin.
My Mother’s Calabasitas Source: Charlotte A. Burrell, UT MD Anderson
• 2-3 medium yellow squash, cut lengthwise and diced
• 2-3 small zucchini squash or 1-2 traditional green Mexican Get more healthy recipes at our online newsletter
calabasas, cut lengthwise, diced archive: www.utsystem.edu/benefits/newsletter
• 1 large ripe red tomato, peeled, seeded and diced small
• 2 ears of fresh sweet corn, kernels removed Have a healthy recipe? Share it with us by sending
• 1 cup of grated Monterrey Jack cheese an email to: email@example.com
Did you know...
UT SELECT Medical provides 100% coverage The Gym Membership Discount program is available
for Preventive Screenings to all UT SELECT Members!
1. Log into http://bcbstx.com/ut
Free Preventive Care and Services – The UT
SELECT Medical plan has always offered robust 2. On the right side navigation bar, under “Quick Links”,
preventive care benefits including 100% preven- click on “Fitness Program”
tive colonoscopy and no cost immunizations 3. Once re-directed to the site, search for participat-
for children under 6 years of age. Now, with the ing locations near you by entering your zip code and
implementation of health care reform, certain desired search distance below. Take the next step to
additional preventive care and services will be becoming the fitter, healthier person you want to be by
available to you with no copayment or coinsur- enrolling in the Fitness Program today.
ance as long as you see a network provider and
meet certain screening eligibility requirements.
Learn more and make your preventive care screen- UT Benefits is on facebook!
ing appointment today by calling your health care
Contact Information for All Plan Administrators
Plan Name Customer Service Website Address
UT SELECT Medical
(Blue Cross and Blue Shield of Texas) www.bcbstx.com/ut
M-F 8:00 AM-6:00 PM CT
UT SELECT Prescription
24hrs a day 7 days a week
UT SELECT Dental, UT SELECT Dental Plus
(Delta Dental) www.deltadentalins.com/universityoftexas
M-F 6:15 AM-6:30 PM CT
DeltaCare DHMO USA (Delta Dental) (800) 893-3582
Group: 6690 M-F 6:15 AM-6:30 PM CT
Vision and Vision Plus (800) 507-3800
(Superior Vision) M-F 7:00 AM-8:00 PM CT www.superiorvision.com/ut
Group: 26856 Sat 10:00 AM-3:30 PM CT
Group Term Life (Dearborn National)
TDD (888) 421-5844 www.dearbornnational.com/ut
M-F 7:00 AM-7:00 PM CT
Long-Term Care (CNA ) (888) 825-0353
Group: 0010025TQ 7:00 AM-5:00 PM CT
It is important to keep your contact information up-to-date through-
out the plan year, especially during the upcoming Annual Enrollment
period. You may contact your local HR/Benefits office to update your
personal information or to provide your email address. An electronic
newsletter about your UT Benefits is sent monthly via email and is
also available online at:
U.S. Postage Paid
Office of Employee Benefits Austin, Texas
702 Colorado Street Suite 2.100 Permit No. 391
Austin, Texas 78701
Annual Enrollment is July 15 - July 31
Important News About Your UT Benefits and Annual Enrollment is Enclosed .
For detailed plan information, scan the QR code
with your Smartphone or visit our website at: