University of Miami 2015 Benefits Guide by Geisha Garcia

2015 Open Enrollment

â&#x20AC;&#x2122;Canes Total Rewards: Your Benefits, Your U October 13-31, 2014 | myum.miami.edu

At the U, we transform lives through teaching, research, and service. We are building a better University together through DIRECCT, our values and behaviors—Diversity, Integrity, Responsibility, Excellence, Compassion, Creativity, and Teamwork. Learn more about our culture transformation at miami.edu/UMCulture.

WHAT IS OPEN ENROLLMENT? Open Enrollment is your annual opportunity to enroll, continue, or change your medical, dental, flexible spending, and short-term disability benefits. Changes to other benefits, including voluntary plans and retirement programs, can be made now, but may also be changed at any time during the year. WHY SHOULD I PARTICIPATE IN OPEN ENROLLMENT? Only you can determine which ’Canes Total Rewards benefits best meet your needs. By participating in Open Enrollment, you can be sure that you and your family are enrolled in the right benefits for next year. HOW DO I ELECT MY 2015 ’CANES TOTAL REWARDS BENEFITS? 1. During Open Enrollment, login to myum.miami.edu. 2. Click the “Employee” tab at the top of the page. 3. Click “Benefits.” 4. Verify Personal, Address and Emergency/Evacuation Information. 5. In the center of the page under Benefits, click “Open Enrollment Summary.” 6. Under Benefit Plans, elect your benefits and verify smokers’ and spousal surcharge information by clicking the active links. 7. Click “Submit” to save any changes. 8. Print a confirmation page and keep for your records.

OCTOBER 13–31 myum.miami.edu

What if I don’t participate in Open Enrollment? If you are currently enrolled in a UM/Aetna medical plan and do not make a medical plan election and update your smokers’ and spousal surcharges for 2015 during Open Enrollment, you and your covered dependents will be placed in the Aetna HRA medical plan and smokers’ and spousal surcharges will apply.

TABLE OF CONTENTS What’s New? What’s Staying the Same?

What You Need To Know About Open Enrollment

Save Money On Your Health Care

Well ’Canes Free Preventive Care Benefits

Understanding Your Medical Options

2015 Monthly Medical Premiums

2015 Medical Plan Comparison Chart

Understanding the Aetna HRA Option

High-End Imaging

Prescription Drugs

Flexible Spending Accounts

UHealth—Your Health Is Our Priority

Mental Health, Vision, and Travel

Health Care Reform

Workday

Well ’Canes

Are You Missing Out On Free Money?

Dental Plan Options

Additional ’Canes Total Rewards

Need help or additional information?

Please contact HR-Benefits at 305-284-3004,visit miami.edu/benefits, or complete the online inquiry form at miami.edu/benefits/ask.

WHAT’S NEW?

WHAT’S STAYING THE SAME?

Minimal increases to health care premiums.

Same three medical plans. Aetna Select 1, Aetna Select 2, and the Aetna Health Reimbursement Account (HRA).

Aetna Select 1 and 2 out-of-pocket maximums will now include prescription copays to help reduce overall costs for participants. Generic Choice incentive program for UM/Aetna members. Save money and avoid higher out-of-pocket costs by choosing generic medications. See page 12 for details. Rx Step Therapy program for UM/Aetna members. Save money by trying less expensive, but equally effective medications, before trying higher-priced alternatives. See page 12 for details. Minimal increase to some prescription drug copays. Generic drug copays will remain at $10. The copay for tier 2, brand preferred drugs, will be $45. The copay for tier 3, non-preferred brand drugs, will be $75. See page 12 for details. Behavioral health benefits managed by Concordia Behavioral Health. Current benefits, copays, provider networks, and behavioral health services are not affected by this transition. Pre-authorization may be required. See page 16 for details. Smokers’ surcharge change. For adult smokers covered under the UM/Aetna medical plan, the smokers’ surcharge will increase to $100 per smoker, per month. Spousal surcharge change. For those who cover a spouse/same-sex domestic partner who has access to his/her own employer-provided medical plan, the medical plan’s spousal surcharge will increase to $250 per month. Maximum elections for dependent care flexible spending accounts will remain at $5,000/family/year, with a cap of $2,500 for employees earning $115,000 or more. See page 13 for details. HealthyNow mobile app allows you to manage your Well ’Canes Incentives Program account from your mobile device. See page 19 for details. The Women’s Hospital at Jackson Memorial welcomes “Little Miracles Maternity Suites,” a newly renovated maternity floor featuring 20 private suites with leading-edge equipment in a spa-like atmosphere. Jackson services are covered at the UHealth copay. Learn more or register for a tour at jacksonmaternity.org.

Free preventive care services for UM/Aetna medical plan members. See page 5 for details. No increase to medical plan copays or deductibles. Lower copays at UHealth and Jackson Health facilities. High-end imaging covered exclusively at UHealth. See page 11 for details. Free annual physicals and immunizations, as well as $10 visits for minor illnesses at the on-site, walk-in Healthy ’Canes Employee Clinics. See page 7 for details. Free generics and reduced price brand medications for UM/Aetna members with qualifying medical conditions through Aetna Health Connections. See page 12 for details. UM/Aetna members receive reduced copays for maintenance medications through CVS or Aetna Rx Home Delivery. See page 13 for details. Well ’Canes Incentives Program encourages you to earn up to $300 per year by getting engaged in your well-being. See page 19 for details. MyUHealthChart allows you to access your medical records securely from any computer. Visit MyUHealthChart.com for details.

Make the Most of Your Retirement Plan Options Open Enrollment is a great time to start or increase your retirement savings.

YOUR LIFE. YOUR CHOICES. YOUR UM. 3 See page 20 for details.

learn more at miami.edu/benefits

WHAT YOU NEED TO KNOW ABOUT OPEN ENROLLMENT BEFORE ELECTING YOUR 2015 BENEFITS Review this guide and visit miami.edu/benefits for information on 2015 Open Enrollment. Attend a benefits fair or an information session (see schedule below). You can also attend a webcast. Visit miami.edu/benefits for webcast schedule. Login to myum.miami.edu between October 13 and October 31, 2014 to elect your benefits for 2015.

Benefits Fairs and Information Sessions Schedule Campus

Date

Time

Location

Coral Gables

Monday, October 13

10 a.m. to 4 p.m.

Student Activity Center Center Ballroom

RSMAS

Tuesday, October 14

10 a.m. to 2 p.m.

Breezeway

Miller School of Medicine

Thursday, October 16 Friday, October 17

10 a.m. to 3 p.m. 8 a.m. to 3 p.m.

Schoninger Research Quadrangle

Benefits Fairs

Take Action on myUM During Open Enrollment

No Action Required

Medical Insurance Enroll, continue, or change your medical plan for 2015 during Open Enrollment. If you are currently enrolled in a UM/ Aetna medical plan and do not make a medical plan election, you and your covered dependents will be placed in the Aetna HRA option for 2015.

Action Required

●

Spousal Surcharge If your spouse/partner does not have access to employer-provided medical insurance, you must indicate this each year on myUM. If you do not, you will be defaulted to “has access to another employer-sponsored plan” for 2015 and you will be charged the monthly $250 spousal surcharge.

●

Smokers’ Surcharge If you or your spouse/partner are nonsmokers, you must indicate this each year on myUM. If you do not, your status will be defaulted to “smoker” for 2015 and you will each be charged a $100 monthly surcharge.

●

Flexible Spending Account Enroll on myUM.

●

Information Sessions (1 hour)

Coral Gables

Thursday, October 16 Tuesday, October 21

12 p.m.

School of Business Storer Auditorium

RSMAS

Thursday, October 23

12 p.m.

RSMAS Auditorium

Miller School of Medicine

Wednesday, October 8 Friday, October 24

12 p.m.

Mailman Auditorium

UMMG

Thursday, October 16 Wednesday, October 22

5:30 p.m. 12 p.m.

Mailman Auditorium

Dental Insurance Enroll or change coverage on myUM.

●

Short-Term Disability (staff only) Enroll on myUM.

●

SAVE MONEY ON YOUR HEALTH CARE Learn which medical plan is best for you, ask questions of your doctors, and follow the tips below to save money on health care for you and your family. • Free annual physicals and immunizations, as well as $10 visits for minor illnesses at the Healthy ’Canes Employee Clinics. Visit healthycanesclinic.com for details. • Pay for your eligible health care expenses using pre-tax dollars by enrolling in a health care flexible spending account. See page 13 or visit wageworks.com for details. • Use generic drugs whenever possible. If you receive an Aetna Rx letter regarding brand medications, review it with your doctor to avoid higher costs. See page 12 for details. • Save on copays by using: • UHealth physicians. Schedule your appointment through UHealth Connect at 305-243-CARE (2273). • CVS or Aetna Rx Home Delivery for your three-month supply of maintenance medications. • If you have a qualifying medical condition, you may be eligible to enroll in the Aetna Health Connections program to receive free or discounted medications. See page 12 for details.

Get the most out of your medical plan by taking advantage of the free Well ’Canes in-network preventive care services.

Well ’Canes Free Preventive Care Benefits

SERVICE

COVERAGE

Adult Annual Physicals/Labs

Annual exam after age 18.

Well-Child Care

All well-child visits through age 18.

Routine Immunizations

Visit cdc.gov/vaccines/schedules for vaccination guidelines.

Immunizations for Foreign Travel

To view the list, visit cdc.gov/travel.

HPV Vaccine

Three doses (ages 9 to 26).

Well-Woman Visit

Annual exam and pap smear.

Women’s Coverage

Covers certain oral contraceptives at no cost, along with free breastfeeding supplies.

Breast Cancer Screening

One screening or diagnostic mammogram annually, beginning at age 35. Includes breast ultrasound.

Prostate Cancer Screening

Prostate Specific Antigen and Digital Rectal Examination annually, beginning at age 45.

Osteoporosis Screening

Bone densitometry every two years, beginning at age 60.

Colorectal Cancer Screening

Annual colonoscopy, fecal occult blood test, flexible sigmoidoscopy, or double barium enema beginning at age 50.

Skin Cancer Screening

Annual skin screening exam with a UHealth dermatologist. Call 305-243-6704 to make an appointment.

Annual Eye Exam

Annual eye exam with an Aetna/EyeMed or Bascom Palmer Eye Institute optometrist or ophthalmologist.

NOTE: The preventive care services listed above are free when using a UHealth or in-network provider. Skin cancer screening is covered only at UHealth. This table is only a summary. Please visit healthcare.gov for a complete list of preventive care services. YOUR LIFE. YOUR CHOICES. YOUR UM. 5 learn more at miami.edu/benefits

UNDERSTANDING YOUR MEDICAL OPTIONS SAME BENEFIT COVERAGE, DIFFERENT COSTS All three medical plans provide the same benefit coverage. The differences in the plans are your monthly premiums and out-of-pocket expenses. Make the best decision for you and your family by reviewing examples of annual medical expenses for people like you at miami.edu/benefits.

Aetna Select 1

Monthly Premium Deductible National networks - all 50 states

●

Prescription drug coverage included Lower copays when using UM doctors at UHealth facilities Copays apply for most non-preventive services Preventive care services covered at 100 percent High-end imaging services (coverage exceptions apply)

$250 per person

$1,500 per person

● ● ● ● ● ●

No referrals to specialists required

●

Covered only at UHealth

●

Aetna Select (Open Access)

●

● ● ● ● ● ● Covered only at UHealth

Covered only at UHealth

Covered through Concordia

NEW! Out-of-Pocket maximum includes Rx copays Worldwide emergency coverage

*You have the option of using an out-of-network provider, but your charges will be subject to balance billing.

●

● ● ● ● ● ●

● ●

(certain services)

(pre-authorization may be required)

Choice POS II (Open Access)

● ●

Rollover health reimbursement account fund

Behavioral health

●

● ● ● ● ●

Out-of-network benefits*

Coinsurance applies

Aetna Health Reimbursement Account

$$$

Aetna Select (Open Access)

No primary care physician election required

Aetna Select 2

● Applies

2015 MONTHLY MEDICAL PREMIUMS Aetna Select 1

Aetna Select 2

Aetna Health Reimbursement Account

New Aetna medical ID cards will be mailed in December 2014 for new participants/new plan elections. Employee Only

$166

$78

$27

Employee + Child

$334

$168

$115

Employee + Children

$408

$255

$174

Employee + Spouse/Partner

$540

$293

$212

Employee + Family

$600

$320

$246

NOTE: All premiums shown are for non-smokers and for those with spouses/same-sex domestic partners who do not have access to employer-sponsored health insurance. The spousal surcharge, which allows you to cover a spouse/same-sex domestic partner who has access to his/her own employer-provided medical plan, will increase to $250 per month. During Open Enrollment you may remove your spouse from, or continue their enrollment in, the University’s medical plan. Before making your decision, we encourage you and your spouse to carefully consider the benefits of the University’s plan against your spouse’s own employer-provided plan. The smokers’ surcharge, which applies to adult smokers covered under the UM/Aetna medical plan, will increase to $100 per smoker, per month. Through the redesigned BeSmokeFree program, you can get the help you need to quit smoking for free.

Flu Shots Available Now

While supplies last.

Healthy ’Canes Employee Clinic A Well ’Canes benefit for faculty and staff offering free annual physicals, select immunizations, and convenient access to UHealth medical services for the treatment of minor illnesses. No appointment necessary. Free flu and shingles vaccines. Free annual physicals available on select days. $10 visit fee (waived for immunizations and annual physicals). Staffed by Nurse Practitioners, overseen by UHealth physicians. Visit our locations Monday–Friday • 7:30 a.m. to 3:30 p.m. Coral Gables Campus | McKnight Building | 5807 Ponce de Leon Blvd, Suite 109 305-284-WELL (9355) Miller School of Medicine Campus | Professional Arts Center | 1150 NW 14 Street, Suite 708 YOUR LIFE. YOUR CHOICES. YOUR UM. 305-243-WELL (9355)7

learn more at miami.edu/benefits

healthycanesclinic.com

2015 MEDICAL PLAN COMPARISON CHART Network Plan Provisions

AETNA SELECT 1

AETNA SELECT 2

Aetna Select (Open Access)

UM Providers

In-Network

UM Providers

In-Network

Health Reimbursement Account (HRA) Fund Per Member3

AETNA HRA Aetna Choice POSII (Open Access) UM Providers

In-Network

Out-of-Network2

$600 up front per member (up to $1,800 per family). Fund reduces your annual deductible.

Calendar Year Deductible Individual

N/A

$250

$1,500

$3,000

Family

N/A

$750

$4,500

$9,000

Preventive Care Services (see page 5 for details) Preventive Care

$0 copay

Not Covered

Primary Care Physician

$15 copay

$20 copay

Deductible, then $20 copay

Deductible, then $25 copay

Deductible, then $15 copay

Deductible, then $20 copay

Deductible, then 30% coinsurance

Specialist

$25 copay

$50 copay

Deductible, then $35 copay

Deductible, then $60 copay

Deductible, then $25 copay

Deductible, then $50 copay

Deductible, then 30% coinsurance

Maternity (Office Services)

$25 copay for first visit, then all office services covered at 100%

$50 copay for first visit, then all office services covered at 100%

Deductible, then $35 copay for first visit, then all office services covered at 100%

Deductible, then $60 copay for first visit, then all office services covered at 100%

Deductible, then $25 copay for first visit, then all office visits covered at 100%

Deductible, then $50 copay for first visit, then all office visits covered at 100%

Deductible, then 30% coinsurance

Allergy Injection (per visit)

$5 copay

Deductible, then $5 copay

Deductible, then 30% coinsurance

$150 copay per day to a maximum of $750 per admission

$250 copay per day to a maximum of $1,250 per admission

Emergency Room5

$100 copay

Urgent Care

$50 copay

Deductible, then $75 copay

Ambulance

N/A

$0 copay

N/A

Physician Expenses

Hospital Expenses

Inpatient4

Deductible, then $200 Deductible, then $300 Deductible, then $100 Deductible, then $200 copay per day to a copay per day to a copay per day to a copay per day to a maximum of $1,000 maximum of $1,500 maximum of $500 per maximum of $1,000 per admission per admission admission per admission Deductible, then $150 Deductible, then $150 copay copay

Deductible, then 30% coinsurance

Deductible, then $100 copay

Deductible, then $75 copay

Deductible, then $35 copay

Deductible, then 30% coinsurance

Deductible, then $0 copay

N/A

Deductible, then 20% coinsurance

2015 MEDICAL PLAN COMPARISON CHART Network Plan Provisions

AETNA SELECT 1

AETNA SELECT 2

AETNA HRA

Aetna Select (Open Access)

Aetna Choice POSII (Open Access)

UM Providers1

In-Network

UM Providers1

In-Network

UM Providers1

In-Network

Out-of-Network2

Surgery

$100 copay

$150 copay

Deductible, then $100 copay

Deductible, then $250 copay

Deductible, then $50 copay

Deductible, then $150 copay

Deductible, then 30% coinsurance

High-End Imaging (Only available at UHealth6)

$150 copay

Only covered under certain conditions

Deductible, then $150 copay

Only covered under certain conditions

Deductible, then $100 copay

Only covered under certain conditions

Low-End Imaging (all other non-invasive services)

$0 copay

$30 copay

Deductible, then $0 copay

Deductible, then $50 copay

Deductible, then $0 copay

Deductible, then $40 copay

Deductible, then 30% coinsurance

Lab Work (Quest or UHealth Laboratories)

$0 copay

Deductible, then $0 copay

Deductible, then 30% coinsurance

$15 copay

$20 copay

Deductible, then $20 copay

Deductible, then $25 copay

Deductible, then $15 copay

Deductible, then $20 copay

Deductible, then 30% coinsurance

Outpatient Services

Other Services Outpatient Therapy (Physical, Speech, and Occupational) per visit

Outpatient Chemotherapy and Radiation Facility

$0 copay

$20 copay

Deductible, then $0 copay

Deductible, then $20 copay

Deductible, then $0 copay

Deductible, then 20% coinsurance

Deductible, then 30% coinsurance

Physician

$0 copay

Deductible, then $0 copay

Deductible, then 20% coinsurance

Deductible, then 30% coinsurance

Medical/Rx Out-of-Pocket Maximum Individual

$3,000

$4,000

$8,000

Family

$9,000

$12,000

$24,000

1. 2. 3. 4. 5. 6.

A UM physician, UM facility, or Jackson Health System facility. You have the option of using an out-of-network provider, but your charges will be subject to balance billing. The first $600 of eligible medical and Rx expenses are covered by the HRA fund with the exception of Concordia copays. Preventive care services will not be deducted from the $600 HRA fund. Inpatient hospital services include semiprivate room, ancillary service, physician fees/visits, and inpatient surgery. Emergency room copay is waived if admitted to the hospital. Coverage for high-end imaging (MRI, PET, and CT scans) is available exclusively at UHealth. Coverage is available outside of UHealth under certain circumstances: Imaging for children ages 13 and under; imaging performed outside of Miami-Dade/Broward counties, within an emergency room or during an inpatient hospital stay, concurrent with radiation therapy for daily placement, when open or standing MRI is required.

Out-of-Area HRA Plan: If your home address is outside of Miami-Dade/Broward counties, the Out-of-Area HRA option will appear on myUM as an option for you. In the Out-of-Area HRA, you will pay the lower UHealth copay at any Aetna network provider. Contact HR-Benefits at 305-284-3004 for more information.

YOUR LIFE. YOUR CHOICES. YOUR UM. 9

learn more at miami.edu/benefits

UNDERSTANDING THE AETNA HRA OPTION The Aetna Health Reimbursement Account (HRA) is a high-deductible, low-premium medical plan that provides cost-effective benefits for you and your family. To help off-set your total deductible, the University provides you with an annual HRA fund of $600 per person, up to $1,800 per family. When medical services are received or prescription drugs are filled, amounts are deducted automatically from your UM-provided HRA fund first. Once the fund is used up, you will make out-of-pocket payments until you meet your individual deductible. If you meet your deductible during the plan year, you pay copays or coinsurance for subsequent services and prescription drugs. If you end up with unused HRA funds, they will roll over to the following year.

Money To Pay Medical Expenses

UM sets up an HRA fund of $600

per person (max $1,800 per family) to help you pay your eligible medical and pharmacy expenses. Unused funds roll over to the next plan year.

Your Deductible, Made Lower

Your HRA fund helps you meet your

annual deductible. Only after the HRA fund is exhausted will you have to pay out-of-pocket for subsequent medical and pharmacy expenses. (In-Network Deductible = $1,500/individual; $4,500/family max) See example:

HRA FUND: $600 DEDUCTIBLE: $1,500

MARCH 12 You feel sick and visit your physician. Cost: $250 HRA FUND PAYS: $250 YOU PAY: $0

HRA FUND: $350 DEDUCTIBLE: $1,250

MAY 27 You visit a specialist for treatment. Cost: $350 HRA FUND PAYS: $350 YOU PAY: $0

HRA FUND: $0 DEDUCTIBLE: $900

HRA FUND PAYS: $0 YOU PAY: $900

HRA FUND: $0 DEDUCTIBLE: $0

YOU YOU HAVE HAVE NOW NOW MET MET YOUR YOUR DEDUCTIBLE. DEDUCTIBLE

Meeting Your Deductible Once you have used the $600

from the UM-provided HRA fund and paid an additional $900 to meet your $1,500 deductible, the plan will function like a traditional

JUNE 15 You require additional medical services. Cost: $900

Pay Nothing After Reaching Your Out-of-Pocket Maximum

medical plan where you pay copays

If you reach your out-of-pocket

or coinsurance for eligible medical

maximum ($4,000 per person, in-network)

and pharmacy expenses until you

during the plan year, the HRA plan will cover

reach your out-of-pocket

100 percent of your eligible medical and

maximum for the

pharmacy expenses for the

plan year.

remainder of the plan year.

HIGH-END IMAGING HIGH-END IMAGING COVERED EXCLUSIVELY AT UHEALTH UHealth Radiology is staffed by experienced, state-certified technologists and highly skilled physicians who are nationally recognized for their clinical care and contributions to radiology. Our health care plan covers high-end imaging services (PET, CT, and MRI) only at UHealth facilities. To schedule a high-end imaging appointment, call 305-243-CARE (2273). MEDICAL PLAN

UHEALTH

AETNA NETWORK

Aetna Select 1

$150

Not covered

Aetna Select 2

Deductible, then $150 copay

Not covered

Aetna HRA

Deductible, then $100 copay

Not covered

Helping You Stay in the Game

EXCEPTIONS You may be able to receive these services outside of UHealth if you need: • Open or standing MRI • Pediatric high-end imaging services (for children ages 13 and under) • Imaging performed at the time of radiation therapy • Imaging outside of Miami-Dade and Broward Counties • Emergency room/inpatient imaging Contact Aetna at 1-800-824-6411 for details.

Led by renowned orthopaedic surgeon Lee Kaplan, M.D. (pictured above), UHealth Sports Medicine is dedicated to nurturing the health, well-being, and performance of active

To schedule a UHealth high-end imaging appointment, call 305-243-CARE (2273)

individuals, from aspiring young athletes to weekend warriors. As the only academic-based sports medicine

RADIOLOGY FACILITIES

ADDRESS

Applebaum Diagnostic Imaging Center

1115 NW 14 Street Miami, FL 33136

Bascom Palmer Eye Institute, Radiology Department

900 NW 17 Street Miami, FL 33136

Sylvester Comprehensive Cancer Center

1475 NW 12 Avenue Miami, FL 33136

expertise. No surprise that it’s the official

University of Miami Hospital

1400 NW 12 Avenue Miami, FL 33136

Hurricanes, Miami Marlins, and the

UMHC/Sylvester at Deerfield Beach

1192 E Newport Center Drive, Suite 100 Deerfield Beach, FL 33442

UMHC/Sylvester at Kendall

8932 SW 97 Avenue Kendall, FL 33176

UHealth at Plantation

8100 SW 10 Street Crossroads Business Park, Building 3 Plantation, FL 33324

radiology.med.miami.edu/locations

program in South Florida that is part of a comprehensive orthopaedics department, UHealth Sports Medicine provides leadingedge therapies and multidisciplinary sports medicine provider of the Miami U.S. Olympic Sailing Team. For more information, call 305-243-3000 or visit uhealthsportsmedicine.com

YOUR LIFE. YOUR CHOICES. YOUR UM. 11

learn more at miami.edu/benefits

PRESCRIPTION DRUGS Each UM/Aetna medical plan covers the same prescription drugs. Costs are determined by the four-tier structure below. If the cost of the prescription is less than the copay, you pay the lesser amount. In the HRA plan, copays apply after you have met your deductible. Drugs may move up or down a tier in 2015. Visit aetna.com to view an updated list of covered drugs and costs.

NEW! Rx STEP THERAPY The UM/Aetna medical plan covers thousands of medications. Some of these medications have equally effective, but much less expensive, alternatives. The Rx Step Therapy program gives you options regarding these medical conditions. Try It and Like It: If you choose to try the lower cost alternative and like it, you may continue to use this new drug, which will help you save money on your prescription drug copay. Try It and Donâ&#x20AC;&#x2122;t Like It: If you choose to try the lower cost alternative, but it does not work as well for you, your doctor can call Aetna to let them know and you may be able to use the more expensive medication at its regular copay.

Tier

Cost

Description

Tier 1

$10

Covered preferred generic medications (not self-injectable).

Tier 2

$45

Covered preferred brand name medications (not self-injectable).

Eligible participants and their prescribing physicians will receive a letter from Aetna with additional program information.

Tier 3

$75

Covered non-preferred generic and brand-name medications (not self-injectable).

Visit miami.edu/benefits to view the 2015 Rx Step Therapy drug list.

Tier 4

$100

Preferred and non-preferred self-injectable drugs covered by prescription benefits. Insulin is covered under Tiers 1, 2, and 3 (tier depends on type).

Save money and avoid higher out-of-pocket expenses with generic options in place of brand name medications.

If you use the more expensive prescription without first trying one of the lower cost alternatives, you will be required to pay the full cost of the medication.

NEW! GENERIC CHOICE INCENTIVE PROGRAM Under the UM/Aetna medical plan, you are encouraged to use generic drugs, when available, to avoid paying more than the cost of your copay. If a generic equivalent is available and you purchase the brand instead, you will pay the copay for the brand name drug, plus the difference in cost between the generic and the brand name. Please review your current medications and visit miami.edu/benefits to review the 2015 Rx list. AETNA HEALTH CONNECTIONS UM/Aetna medical plan members taking medications for diabetes, asthma, high cholesterol, or hypertension can save money on prescriptions for these conditions and get personalized medical guidance from an Aetna nurse. Participants will receive generic drugs for their condition at no charge and a 50 percent copay reduction for preferred brand name drugs for their condition. To get started, call Aetna at 1-866-269-4500. To take advantage of these discounts, remember to fill any maintenance medications in 90-day supplies at CVS or through Aetna Rx Home Delivery. (Please allow up to eight weeks from the time you enroll in Aetna Health Connections to see the discount at the pharmacy.)

FLEXIBLE SPENDING ACCOUNTS MAINTENANCE MEDICATIONS Save on your copay by filling your 90-day prescription for maintenance medication at your local CVS pharmacy or through Aetna Rx Home Delivery.

Save up to $25 on every $100 spent on eligible expenses by enrolling in the University’s health care or dependent care flexible spending account (FSA) for 2015.

IMPORTANT: If you fill your maintenance medication monthly (in 30-day increments), your copay will increase by 2½ times after the second filled 30-day prescription. See below.

HEALTH CARE FSA Set aside pre-tax dollars to pay for your family’s eligible health care expenses; up to $2,500 per year. You will receive a WageWorks Visa card in the mail for use on eligible health care expenses at approved merchants, including pharmacies, physicians’ offices, and hospitals. NOTE: If you are a new participant or your current card has expired, you will receive a new WageWorks Visa card, which will be mailed at the end of December 2014. If you are an existing participant and your card has not expired, you should continue to use your current card.

Tier 2 Rx Example

Local Retail Pharmacy (monthly cost, 30-day supply)

Aetna Rx Home Delivery or Local CVS Pharmacy (average monthly cost, 90-day supply)

First 30-Day Fill

$45.00

$37.50

30-Day Refill #1

$45.00

$37.50

30-Day Refill #2

$112.50*

$37.50

Total Cost

$202.50

$112.50

DEPENDENT CARE FSA Set aside pre-tax dollars to pay for eligible dependent day care (or night care) costs, including care for elderly parents; up to $5,000 per year (based on tax filing status). The maximum election for employees earning $115,000 or more is $2,500 per year.

NOTE: Cost increase reflects permanent change in copay for this and all additional refills of the same medication for 30-day supplies at local retail pharmacy. 90-day supplies can only be obtained at CVS or through Aetna Rx Home Delivery. If the cost of your medication is lower than the copay, you pay the lower cost.

If married, both you and your spouse must be working in order for dependent care expenses to be reimbursable. Eligible dependents include your child or stepchild (under the age of 13); a child of any age who is physically or mentally incapable of caring for themselves; or elderly persons who are financially dependent upon you. Visit wageworks.com to confirm dependent and expense eligibility.

Visit miami.edu/benefits for more information. Enrolling in a health care flexible spending account is a smart way to budget for the upfront expense of using your local CVS or Aetna Rx Home Delivery for your maintenance medications. You can allocate the expense over 12 months and save up to 25 percent because you are paying for medications with pre-tax dollars.

Make call out about savings by using generics and avoid out of pocket expense on brand name meds.

Save Up to 25% on Rx Expenses

2015 DEADLINES Incur Eligible Expenses By Submit Claims By

HEALTH CARE FSA

DEPENDENT CARE FSA

March 15, 2016

June 15, 2016

Visit wageworks.com to learn more and to view a list of eligible expenses.

YOUR LIFE. YOUR CHOICES. YOUR UM. 13

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YOUR HEALTH IS OUR PRIORITY

As a member of the University of Miami, you have doctors in the family—and UHealth doctors are among the world’s best. Turn to UHealth for high-quality health care that’s convenient and affordable. The expert, dedicated teams of UHealth—University of Miami Health System— include more than 1,000 physicians, as well as about 200 other licensed health providers. You’ll find our care in more than 100 medical specialties and subspecialties at locations in Miami-Dade, Broward, Palm Beach, and Collier Counties. For a comprehensive list of services, visit UHealthSystem.com. DIRECT ACCESS TO EXPERT CARE Thanks to a special phone line just for employees, it’s easier than ever to make an appointment with a UHealth provider. Call 305-243-CARE (2273) to schedule care with some of the world’s top physicians in a complete array of medical specialties. MANAGE YOUR CARE FROM ANYWHERE With MyUHealthChart, you can access your UHealth medical records securely from any computer, making it easy to stay on top of information such as most lab results, appointment summaries, medications, and immunizations. MyUHealthChart also provides convenient ways to communicate with your doctor’s office. Visit MyUHealthChart.com for details. UHEALTH LABORATORIES UHealth Laboratories offer routine and complex lab and pathology services at the following locations: Miller School of Medicine •Bascom Palmer Miami •Diabetes Research Institute •Professional Arts Center •UMHC/Sylvester Miami UHealth Satellite Locations •Deerfield Beach •Kendall •Plantation Services at UHealth Laboratories are covered at 100 percent after deductible (if applicable). No appointment necessary. Visit miami.edu/benefits for more information.

UM/Aetna members have access to Bascom Palmer Eye Institute, its renowned physicians, and the sophisticated therapies and ophthalmic subspecialties offered. They also receive discounts on lenses, frames, contacts, and LASIK surgery.

UM/Aetna members have access to the latest treatments, clinical trials, and personalized care through the Ask for Ana program at the Sylvester Comprehensive Cancer Center.

University of Miami Hospital Center of Excellence for Bariatric Surgery, the only University-based bariatric center in the region, offers three types of procedures, all performed laparoscopically.

UNIVERSITY OF MIAMI HOSPITAL Located in the heart of Miami’s Health District, University of Miami Hospital provides highquality, compassionate care that reflects the latest discoveries and uses the most advanced technologies available. As the health system’s flagship facility, University of Miami Hospital provides sophisticated specialty care ranging from minimally invasive procedures to clinical trials of new regenerative medicine therapies.

BASCOM PALMER EYE INSTITUTE Rated the #1 eye hospital in the country by U.S. News & World Report for 11 years in a row, Bascom Palmer Eye Institute delivers the latest eye care at locations in Miami, Plantation, Palm Beach Gardens, and Naples. UM/Aetna members receive one free routine eye exam per year by an optometrist or ophthalmologist at Bascom Palmer Eye Institute. Contact lens fitting exams are available at an additional fee. UM/Aetna members can schedule their eye exam at 305-243-2020 or 305-243-CARE (2273).

SYLVESTER COMPREHENSIVE CANCER CENTER South Florida’s only world-class center of academic cancer care serves as UHealth’s hub for cancer research, diagnosis, and treatment, as well as education, mentoring, and community outreach. Sylvester provides state-of-theart diagnostic techniques; highly specialized, multidisciplinary care; and direct access to the very latest treatments, including clinical trials of new therapies. Sylvester has locations in Miami, YOUR LIFE. YOUR CHOICES. YOUR UM. 15 Deerfield Beach, Kendall, Coral learn Hollywood, more at miami.edu/benefits Springs, and Plantation.

MENTAL HEALTH, VISION, AND TRAVEL Mental Health FACULTY AND STAFF ASSISTANCE PROGRAM (FSAP) The Faculty and Staff Assistance Program (FSAP) provides confidential consultations to all UM faculty, staff, retirees, and their dependents. Sessions are conducted by Florida licensed mental health professionals who assess concerns, offer support, and recommend services that can be of help. Call 305-284-6604 or visit miami.edu/fsap for more information. CONCORDIA BEHAVIORAL HEALTH If you are enrolled in a UM/Aetna medical plan, you and your covered dependents are eligible for Concordia Behavioral Health services. Concordia provides mental health and substance abuse outpatient and inpatient treatment, and partial hospitalization. Before accessing these confidential services, authorization may be required. Call 1-800-294-8642 or visit concordiabh.com for more information.

Vision VISION BENEFIT UM/Aetna plan members receive a free annual routine eye exam with an Aetna/EyeMed or Bascom Palmer optometrist or ophthalmologist. Members are also entitled to discounts on lenses, frames, contacts, and LASIK surgery. Schedule your appointment with Bascom Palmer by calling 305-243-2020 or 305-243-CARE (2273). Visit aetna.com for more information about the vision benefit. NOTE: Free annual eye exam does not cover contact lens fitting. If you are interested in contact lenses, please contact the Bascom Palmer Contact Lens Department at 305-326-6095 or any provider in the Aetna/EyeMed network.

Travel UM/AETNA EMERGENCY COVERAGE WHILE TRAVELING If you are traveling within the U.S. or anywhere in the world, remember to pack your UM/Aetna medical plan ID card. If you experience a medical emergency and need to visit an emergency room anywhere in the U.S. or around the world, your UM/Aetna plan provides coverage so that your final bill will be the same as your in-network emergency room copay. The same is true for emergency inpatient admissions. TRAVEL IMMUNIZATIONS AND CONSULTATIONS The UHealth Travel Medicine Clinic provides UM employees and their families with country-specific information, travel vaccines, and medications. The clinic is located at University of Miami Hospital and Clinics, 1475 NW 12 Avenue, 3rd Floor, Miami, FL 33136. Call 305-243-TRIP (8747) or visit UHealthTravel.com for clinic hours and additional information.

HEALTH CARE REFORM Our medical plans already reflect many of the health care reform requirements—covering adult children through age 26, offering free preventive care, removing lifetime limits on essential health benefits, and limiting health care flexible spending account contributions to $2,500. Health care reform requires all U.S. citizens and legal residents to have minimum essential coverage. As long as you are enrolled in a UM/Aetna medical plan, your coverage will meet (or exceed) this requirement. To view the Department of Labor–New Health Insurance Marketplace Coverage Options and Your Health Coverage notice, please visit: miami.edu/benefits For more information about health care reform, please visit: healthcare.gov

Workday HR, the new human resources system that is being introduced as part of the Enterprise Resource Planning (ERP) initiative, is on schedule to launch in January 2015. Workday’s All About Me homepage provides an easy-to-use site that includes worklets—icons used by Workday to organize information. Worklets include Pay, Benefits, Time Off, and more. •

In the Benefits worklet, you can view benefits you are enrolled in, your benefit payroll deductions, information about your beneficiaries, and make life event changes to your benefits, including changes as a result of marriage or the birth of a child.

•

In the Pay worklet, you can view paychecks (or “Payslips” as referred to in Workday), and update direct deposit and tax withholding information.

•

In the Time Off worklet, you can view vacation and sick leave balances and make vacation and sick leave requests.

Short-term disability

ENROLL IN THE SHORT-TERM DISABILITY (STD) PLAN Enrollment only available during Open Enrollment

will help take care of your bills while you take care of yourself.

STD is a voluntary program available to staff, administrators, and research personnel that replaces 66 2/3 of your income if you’re unable to work due to an injury, illness, or maternity. In order to submit a claim for STD benefits, you must have been enrolled in the plan for one year. The monthly cost for this benefit is approximately 1% of your pay. Aetna Fidelity Investments 403(b) Participant Access

For more information and to view a premiums chart, visit miami.edu/benefits.

For more information Visit miami.edu/workday-hr Email workday@miami.edu

YOUR LIFE. YOUR CHOICES. YOUR UM. 17

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17 3

FOR YOUR HEALTH & WELLNESS The University of Miami is committed to advancing the well-being of its faculty and staff, which extends beyond physical health to include psychological, communal, interpersonal, financial, and occupational wellness. The Well ’Canes programs focus on your physical and emotional health through preventive screenings, free seminars, and other benefits including:

Well

• Well ’Canes Wellness Incentives Program—Earn up to $300 (see page 19 for details) • Week of Well-Being, April 6–10, 2015 • Free health and wellness seminars offered by the Faculty and Staff Assistance Program • Wellness classes on demand, Walking ’Canes, and Shape-Up discount • Healthy recipes online (remember to submit your own to UMBenefits@miami.edu) • Free on-campus health screenings • Be Smoke Free program (call 305-243-7606 for details) • Weight Watchers at Work • Free preventive care benefits – and lower copays at UHealth • Healthy ’Canes Employee Clinics • Well ’Canes Yoga Wednesdays • Access to Gables and medical wellness centers FOCUSING ON PREVENTION Prevention strategies can be effective when it comes to keeping you healthy. Getting regular exercise, sufficient sleep, and following a healthy diet are easy ways to ensure you are advancing your wellbeing. Start your way to a healthy diet today by preparing President Shalala’s own Tabbouleh recipe. Enjoy! PRESIDENT SHALALA’S TABBOULEH Ingredients 4 cups of parsley, finely chopped and de-stemmed 2 cups of mint, finely chopped 1/2 cup of scallions, coarsley chopped 1 cup of lemon juice 2 cups of chopped ripe tomatoes 1/2 cup of cracked wheat, fine or medium bulgur Salt and pepper 1/8 cup of virgin olive oil

“A balanced diet is a key component of your well-being.” - Donna E. Shalala

President, University of Miami

Directions Soak the cracked wheat for three hours in water and lemon juice to cover. Wash, dry, and chop parsley and mint finely. Chop mint separately (preferably by hand, not food processor). Chop scallions and cut tomatoes into small pieces. Drain cracked wheat and squeeze out all the juice. Combine wheat with other ingredients and mix well. Season to taste with salt, pepper, lemon juice, and olive oil. Allow two hours for flavors to set. Enjoy with lettuce leaves, young grape leaves, or thin Lebanese bread.

miami.edu

’Canes

du/wellcanes

The Well ’Canes Incentives Program is designed to encourage you to learn about your personal health, motivate you to maintain or improve your overall well-being, and allow you to earn up to $300 per year. You can begin earning points by registering at miami.edu/wellcanes and participating in the wellness activities listed below. • • • • • • • • • • • • • • • • • • • •

Well ’Canes

Incentives Program Register at miami.edu/wellcanes

Aetna Beginning Right Maternity Program (500 points) and earn up to Aetna Disease Management Program (1,250 points) $300. Aetna Healthy Lifestyle Coaching Program (500 points) Annual Colonoscopy (250 points) Annual Mammogram (250 points) Annual Physical Exam (250 points) NEW! Flu Shot (40 points) NEW! Faculty and Staff Assistance Program Educational Seminars (150 points) Food Log (5 points/day, maximum 500) NEW! Personal Retirement Educational Session (150) Pure Wellness Exercise Log (15 points/day, maximum 500) Pure Wellness Online Challenges (100 points) NEW! Pure Wellness Online Health Assessment (350 points, required to earn incentives) NEW! Pure Wellness Steps Log (5 points per/day, maximum 500) NEW! Pure Wellness Weight Tracker (5 points/month, maximum 60) Team UM Corporate Run/Walk (250 points) NEW! Team UM Dolphins Cycling Challenge (500 points) NEW! UHealth Skin Cancer Screening (150 points) Walking ’Canes (500 points) Additional opportunities coming in 2015!

When you earn 750 points, you will receive $150 in your UM payroll check. If you earn an additional 750 points (1,500 total) you will receive an additional $150 in your UM payroll check. All faculty and staff enrolled in a UM/Aetna medical plan as primary policy holders are eligible to participate in the incentives program. Deadlines to complete wellness activities vary. For more information and to register, please visit miami.edu/wellcanes. Don’t forget to download the HealthyNow mobile app and manage your Well ’Canes Incentives Program account on the go!

YOUR LIFE. YOUR CHOICES. YOUR UM. 19

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ARE YOU MISSING OUT ON FREE MONEY? If you’re eligible for the University’s Retirement Savings Plan (RSP) and aren’t contributing at all or are contributing less than 5 percent, you’re missing out on the University’s matching contribution—free money. The University matches what you contribute, dollar for dollar, up to 5 percent of your eligible pay (up to the IRS compensation limit) to help enhance your financial well-being.

HOW HOW DOES DOES THETHE RSPRSP WORK? WORK? CORE Contribution—The University makes a contribution equal to 5% of your pay, up to the IRS compensation limit. Your VOLUNTARY Contribution—You can contribute as little as 1% or as much as you like, up to the IRS maximum. MATCHING Contribution—The University matches what you contribute, up to 5% of your pay.

For maximum benefit, strive to save a minimum of 10-15% of your gross income By contributing every year. 5% of your pay, you will be at the 15% goal, thanks to the University’s core and matching contributions.

START SAVING TODAY It’s never too early or too late to start. Start saving today by following the steps outlined below. To enroll in the RSP:

1. Visit netbenefits.com/um 2. Click on “Register” 3. Follow the on-screen instructions 4. Once in the system, select “Enroll in Your Account” 5. Follow the steps to make your investment elections

To make changes to your voluntary contributions:

1. Visit netbenefits.com/um 2. Click on “Contribution Amount” from the Quick Links pull-down menu 3. Click “Contribution Amount” again 4. Change your desired election 5. Click “Change Contribution Amount” to confirm

Need some help on demand? Contact Fidelity at 1-800-642-7131 Contact TIAA-CREF at 1-800-842-2252 Want to meet with a Fidelity or TIAA-CREF representative in person? Schedule an appointment at netbenefits.com/um. You can also call them directly at 1-800-642-7131 (Fidelity) or 1-800-842-2252 (TIAA-CREF). Not in the Retirement Savings Plan? If you are in the Employees’ Retirement Plan (ERP) or the Faculty Retirement Plan (FRP), you can follow the same steps above to make contributions to the University’s Supplemental Retirement Annuity Plan and add to what you’re earning through your ERP or FRP.

Fidelity’s Contrafund will be added to the lineup of Tier 2 investment options in the University’s 403b plans (RSP, RSP II, FRP, Supplemental Retirement Annuities),

beginning 1/15/2015.

Learn more! Schedule an appointment with a Fidelity representative at 1-800-642-7131 or visit netbenefits.com/um

DENTAL PLAN OPTIONS CIGNA (DHMO) Cigna offers an HMO plan with low copays and no limit on your annual benefit. If you choose this plan, you and your enrolled dependents must select an in-network primary care dentist (PCD) or one will be assigned to you based on your zip code. For maximum flexibility, each enrolled member may select a different in-network dental provider. To locate a PCD, visit cigna.com/dental or call Cigna at 1-800-CIGNA24 (244-6224). You can change your PCD at any time by calling Cigna or going online. Your new PCD designation will be effective the first of the month following the date you make the change.

MONTHLY PLAN PREMIUMS

CIGNA

DELTA DENTAL

Employee Only

$13.70

$40.92

Employee + Child

$30.71

$100.32

Employee + Children

$34.36

$112.60

Employee + Spouse/Partner

$27.98

$95.58

Employee + Family

$50.74

$156.30

DELTA DENTAL (PPO) Delta Dental offers a Preferred Provider Organization (PPO) dental plan with in-network and out-of-network benefits. This plan has an extensive network of dentists and facilities. Once you have met your deductible, the plan pays a percentage of the charges based on the type of service provided. You can take advantage of lower costs by using in-network providers.

PLAN FEATURES

For more information, including dental plan rate sheets, visit miami.edu/ benefits.

Out-of-network benefits

●

Deductible

●

Primary care dentist required

●

Referrals required

●

National network

●

Two free cleanings per year

●

Adult and child orthodontia

●

Maximum annual benefit

● $2,500

UHEALTH DENTAL UHealth’s renowned Division of Oral and Maxillofacial Surgery and General Dentistry provides comprehensive general dentistry as well as a full range of oral and maxillofacial care at University of Miami Hospital. Services include routine dental examinations, cleanings, teeth whitening, fillings, dentures, wisdom teeth evaluations, dental implants, and more. Accepting Cigna and Delta Dental. To schedule an YOUR LIFE. YOUR CHOICES. YOUR UM. 21 learn more at miami.edu/benefits appointment, please call 305-243-CARE (2273).

ADDITIONAL ’CANES TOTAL REWARDS

Financial Future

FREE FINANCIAL SECURITY BENEFITS The following free financial security benefits can help you protect yourself and your family in the case of accident, illness, or disability:

Life Insurance equaling two times your base salary, rounded to the nearest $1,000, to a maximum of $100,000. You are covered immediately upon employment. Accidental Death & Dismemberment (AD&D) equaling one time your base salary, rounded to the nearest $1,000, to a maximum of $100,000. Long-Term Disability (LTD). If you become disabled, there is a sixmonth elimination period before your LTD benefits begin to pay. You will be eligible for a monthly benefit equal to 66 2/3 percent of your base annual salary up to a maximum of $10,000. Faculty are eligible on date of hire, staff are eligible after one year of employment. One Month’s Pay death benefit will provide payment equal to one-month’s pay to the named beneficiary of a deceased employee. ADDITIONAL PROTECTION You may purchase excess life, voluntary AD&D, and long-term care coverage at the UM group rate at any time. Excess Life Insurance equaling one to six times your base salary, rounded to the nearest $1,000, to a maximum of $1,000,000. Medical evidence of insurability required for coverage exceeding the lesser of three times your annual salary or $250,000. Limited coverage is available for spouse and children. Voluntary Group Accidental Death & Dismemberment coverage with principal sum ranging from $10,000 to $500,000. Principal sums greater than $150,000 are limited to ten times base annual salary. Limited coverage is available for spouse and children. Long-Term Care insurance helps provide the financial resources necessary to receive care at home or in a facility. You can choose from two plans and five levels of daily benefits ranging from $70 to $200 per day. Insurance is available for you, your spouse, and you or your spouse’s parents and grandparents with evidence of insurability.

Professional Growth

TUITION REMISSION The tuition benefit is designed to encourage employee and family participation in higher education and supports the University’s overall interest in the personal and professional development of faculty and staff.

Employee Tuition Remission Eligibility Full-time faculty and staff are eligible for 100 percent tuition benefits. For eligibility details visit miami.edu/benefits. Part-time faculty and staff are eligible for tuition benefits on a prorated basis depending on their work effort. Benefit Two courses per semester and a maximum of 15 credits per calendar year. Dependent Tuition Remission Eligibility Spouses, same-sex domestic partners, and eligible dependents can take advantage of tuition benefits based on the length of time you have been employed at the University. For detailed information, visit miami.edu/benefits. PROFESSIONAL DEVELOPMENT Workforce Engagement and Development has several opportunities available for you to engage in developing new or sharpening existing skills; as well as for teams to work together toward building a stronger, more resilient workforce. These skill building opportunities are available in a variety of formats, from online sessions to live, interactive classes. Visit miami.edu/hr and select Training for more information.

Recognition Programs

SERVICE AWARDS The University of Miami annually recognizes faculty and staff who celebrate service milestones and those who have proudly retired from the University.

The Long Service Award Program provides special recognition to faculty and staff for their years of service to the University. More than 800 employees who have reached a service milestone are honored each year and recognized with a certificate and a gift based on milestone year. Service levels are recognized in 5-year increments, starting with 10 years of service. The Retirement Recognition Award recognizes faculty and staff for their retirement from the University of Miami with a gift to mark the University’s appreciation for their service and special contributions. Visit miami.edu/hr and select Recognition for more information.

Just for ’Canes

EMPLOYEE DISCOUNT PROGRAM As a University of Miami employee, you are eligible to receive discounts on a number of products and services, including:

• Apple • Bank of America • Bascom Palmer Aesthetic Center • Cosford Cinema • Dell • Expedia Cruise Ship Centers • FTD • Lowe Art Museum • Pearle Vision • Ring Theatre • Tickets at Work • UHealth Department of Dermatology and Cutaneous Surgery • UHealth Division of Plastic Surgery • University of Miami Wellness Centers • University of Miami—Miami Hurricanes Sports Visit miami.edu/benefits for a complete list. EMPLOYEE RESOURCE GROUPS The University’s employee resource groups (ERGs) are peer networks whose members have common interests. They are voluntary, member-led groups that meet in trusting and supportive environments. Current ERG’s include groups for people with disabilities, LGBTQ, Asians, veterans, and millennials. For more information, visit miami.edu/diversity. NURSING MOTHERS’ ROOMS There are currently nine rooms dedicated for nursing mothers across the University. For more information visit miami.edu/wep.

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WANT MORE INFORMATION? Attend a benefits fair or live information session. Visit miami.edu/benefits to: • Review benefits fair and information session schedules • Login to an Open Enrollment webinar • Review examples of annual medical expenses Ask your Benefits team: • Complete the online inquiry form at miami.edu/benefits/ask • Call 305-284-3004 to speak with a benefits representative IMPORTANT CONTACTS: Aetna • 1-800-824-6411 • aetna.com Cigna • 1-800-CIGNA24 (244-6224)• cigna.com/dental Concordia Behavioral Health • 1-800-294-8642 • concordiabh.com Delta Dental • 1-800-521-2651 • deltadentalins.com Faculty and Staff Assistance Program (FSAP) • 305-284-6604 • miami.edu/fsap Fidelity Investments • 1-800-343-0860 • netbenefits.com/UM Healthy ’Canes Employee Clinic • 305-284-9355 Gables • 305-243-9355 Medical • healthycanesclinic.com TIAA-CREF • 1-888-488-3420 • netbenefits.com/UM UHealth Connect (employee appointment line) • 305-243-CARE (2273) • UHealthSystem.com UHealth Patient Financial Services • 305-243-2900 UHealth Office of Patient Advocacy • 305-243-HELP (4357) • officeofpatientadvocacy@med.miami.edu WageWorks • 1-877-924-3967 • wageworks.com Well ’Canes •305-284-3004 • miami.edu/wellcanes Wellness Centers • 305-284-8500 Gables • 305-243-7600 Medical • miami.edu/wellness