my guide to
Open Enrollment
2017 at Princeton
As part of your total compensation package, Princeton University offers a comprehensive benefits package that includes various options to meet your healthcare and financial needs. During Open Enrollment—Monday, October 17, through Friday, November 11, 2016—you have the opportunity to review and change your benefits elections to meet your current and/or future needs. As there are changes to the benefits offerings for 2017, review this open enrollment guide and the enclosed My Benefits 2017 booklet carefully prior to making your selections. You may also attend a Benefits Fair to learn more. See Key Dates for more information. Throughout Open Enrollment, Human Resources staff are available to meet with faculty and staff members to assist with benefits-related questions and help with online enrollment. To reach a member of the Benefits Team, call (609) 258-3302 or email benefits@princeton.edu. Resources Benefits information and forms are available online at www.princeton.edu/hr/benefits. If you do not have online access, materials and forms are available for pick up at Human Resources. Kiosks for online access and enrollment are available at the following locations: Graduate College Loading Dock
Madison Hall Hallway by Campus Dining
Whitman Kitchen
Forbes College Kitchen
New South Second Floor
Wilcox Hall Kitchen
Changes to Plans and programs This Guide highlights benefit changes going into effect on January 1, 2017. It also provides important reminders regarding the annual open enrollment process and resources available to you. For more details on these benefit changes, new programs, and current benefit plans and programs, refer to the enclosed booklet My Benefits 2017.
Healthcare Benefits
Vision Plan
Employee Contribution Changes
New Vendor
Your contribution is the amount that you pay toward the cost of your healthcare benefits through payroll deductions. Contribution rates will increase by 2% for the Princeton Health Plan (PHP), HMO, and J-1 Visa medical plans. The Consumer Directed Health Plan (CDHP) will not have a cost increase in 2017. The rate for the MetLife Basic and High Option Dental Plan will increase by 2%, and there will be no cost increase to the Aetna DMO.
MetLife Vision will replace VSP as our vision care provider. If you are enrolled in VSP, you will be automatically enrolled under the MetLife Vision Plan for 2017. The MetLife Vision plan design is similar to VSP and the contribution rates will be slightly lower.
Medical Plans Copayment Additions Effective January 1, 2017, the Aetna HMO plan will have copayments of $175 for inpatient hospital stays and $75 for outpatient services received in a hospital setting. Outpatient services received at an independent facility will continue to have no copayment.
Dental Plans Two-Year Lock-In If you elect the MetLife Basic or High Option Dental plan during Open Enrollment, or if you carry over your 2016 enrollment into 2017, your coverage will remain in effect throughout both 2017 and 2018. You will not have the option to change your dental coverage until the 2019 Open Enrollment period unless you experience a qualifying status event. The two-year lock-in period is being implemented as a strategy to help reduce rate increases in future years.
Retirement Plans RETIREMENT SAVINGS PLAN AUTO ENROLLMENT Effective January 1, 2017, all benefits-eligible employees currently contributing 4% of pay into the Retirement Savings Plan will automatically be enrolled at 5% of pay. You can start, stop, increase, or decrease your contributions at any time through the HR Self Service system. If you take no action during Open Enrollment, your contribution will automatically increase.
MetLife utilizes the VSP Choice network and offers approximately 700 additional retail locations, including America’s Best, Eyeglass World, For Eyes, Fred Meyer, National Vision, Inc., and Nationwide Vision. Costco, Walmart, and Sam’s Club are also in-network with MetLife. For a directory of in-network providers, visit www.metlife.com/vision and choose the MetLife Vision PPO or call (855) MET-EYE1 (638-3931) and ask about Plan MC0011. All participants will receive a MetLife Vision Plan ID card for use on January 1, 2017.
New Healthcare Resources Memorial Sloan Kettering Direct
My Health Advocate
When you are faced with cancer, reliable information and comprehensive care are crucial. The experts at Memorial Sloan Kettering (MSK) are there to help you make the right plan. With MSK Direct, you have direct access to a team of dedicated professionals who specialize in cancer. The team includes experienced nurses, social workers, and MSK Care Advisors who will be there to guide you through the process of getting care at MSK and oversee your experience every step of the way.
As of January 1, My Health Advocate can help you and your family members confidentially navigate the often complex healthcare system. The program provides you, your dependents, parents, and parents-in-law with unlimited access to a Personal Health Advocate (PHA), regardless of whether or not you or your eligible family members are enrolled in a healthcare plan at Princeton. PHAs are typically registered nurses, supported by medical directors and benefits and claims specialists, who can get to the bottom of a wide variety of healthcare and insurance-related issues.
The staff at MSK Direct will: • Offer you a timely and convenient appointment with an appropriate specialist within two business days of speaking with a representative (subject to availability of your medical records, your ability to travel to MSK, clinical considerations, and health insurance coverage for care at MSK) • Answer your questions, coordinate the services you receive, and help you navigate critical steps throughout your cancer care experience • Optimize your care experience
How Does My Health Advocate Work? When you need assistance, call or email My Health Advocate to be assigned a PHA. Your PHA will review your situation, obtain the necessary information, and work to resolve your inquiry. A PHA can help: • Resolve billing and claims issues • Explain benefits coverage, health conditions, and researching treatments
• Help you gather necessary medical records before your first appointment
• Find the right doctors, hospitals, and providers
• Introduce you to MSK facilities and the clinical teams that will be handling your care
• Locate elder care services
• Continue to be a resource for you throughout your experience at MSK To learn more about the program, visit www.princeton.edu/hr/ thrive/mskdirect. You can call Princeton University’s dedicated MSK Direct line toll-free at (844) 303-2123, Monday through Friday, 8:30 a.m. to 5:30 p.m. EST. Messages left outside these hours of operation will be returned the next business day. Eligibility and cost All Princeton University faculty, staff, retirees, and their eligible family members including spouses or domestic partners, children, parents, parents-in-law, and siblings have access to MSK Direct at no additional cost. Your out-of-pocket costs for the services you receive from MSK will vary depending on the health insurance plan in which you are enrolled. UnitedHealthcare and Aetna participants have access to MSK as an in-network provider. If you are not a member of UnitedHealthcare or Aetna, you will need to contact MSK Direct to verify your health plan’s coverage.
• Schedule tests and appointments • Navigate Medicare and plan transitions when you retire My Health Advocate is not affiliated with any insurance or third party providers, and all your medical and personal information remains confidential. To review all the services and resources available to you, visit www.princeton.edu/hr/thrive/mha.
My Transparency Tool Employees enrolled in a Princeton University healthcare plan will have access to My Transparency Tool offered through Castlight in or around March 2017. The Tool will provide an easy way to locate healthcare resources online, with cost and quality data, at no cost to you. Utilizing the Tool will enable you to: • Compare prices and quality ratings for doctors, hospitals, and medical services • Read real patient reviews of local doctors, hospitals, and medical services • Estimate personalized costs on future visits • View step-by-step breakdowns of your past medical expenses Additional information will be mailed to home addresses in 2017.
Important Enrollment Reminders Enrolling Through HR SELF SERVICE
Key Dates for Open Enrollment
You are able to log in to HR Self Service at www.princeton.edu/selfservice as often as you wish from Monday, October 17, through Friday, November 11, to review and/or make changes to your 2017 benefits elections. Instructions for using HR Self Service are in My Benefits 2017.
Date
Event
October 17
Annual Benefits Open Enrollment for 2017 begins.
Once you submit your elections for 2017, changes should be accurately reflected in HR Self Service within one to two business days following the election. You should verify your 2017 elections by logging into HR Self Service and clicking on Benefits Summary under the Benefits menu. On the Benefits Summary screen, to view your 2017 benefits elections, change the current date to 01/01/2017 and click Go.
October 26
Main Campus Benefits Fair at Frist Campus Center, Multipurpose Rooms A and B, from 10:00 a.m. to 2:00 p.m.
October 27
PPPL Benefits Fair at the Lyman Spitzer Building, 10:00 a.m. to 2:00 p.m.
November 11
Annual Benefits Open Enrollment for 2017 ends.
Health Savings Account (HSA)
January 1, 2017
You may be eligible to elect the HSA, if you are covered under the CDHP. If you are currently participating in the HSA, your election amount will automatically carry forward in 2017 and monies remaining at the end of 2016 will automatically roll over into 2017. However, you can elect, change, or terminate your contributions at any time during the year by contacting the Benefits Team, and you can manage your HSA at www.payflex.com. Healthcare and Dependent Care flexible spending Accounts (FSA) If you are currently contributing to a healthcare or dependent care FSA and would like to continue participating, you must re-enroll during Open Enrollment. Your 2016 elections will not automatically carry over into 2017, and there is no opportunity to enroll after the Open Enrollment period ends. If you contributed to a healthcare FSA in 2016 and elect to participate in 2017, your current debit card will automatically be updated with your 2017 election amount. If you have leftover funds remaining in your 2016 account, balances of $50 up to $500 will automatically roll over into 2017. Commuter Benefit Program You can elect to participate or make changes to your account on a monthly basis throughout the year. To participate, register at www.payflex.com. Transit and/or parking orders must be placed by the 10th of the month preceding their use. For example, if you have a need for transit passes for January 2017, be sure to place your order no later than December 10, 2016. The monthly pretax payroll deduction limit for 2016 for transit and parking was $255. The IRS has not yet announced new limits for 2017. If a change occurs, PayFlex’s website will be updated to reflect the new limits. You may purchase transit and/or parking orders over the pretax limit; however, you will be responsible to pay for any expenses that exceed the IRS maximum with your own personal credit card.
The online HR Self Service system is available daily from 8:00 a.m. to midnight. HR assistance is available weekdays between 8:30 a.m. and 5:00 p.m.
This is the final deadline for accessing HR Self Service to make any changes or corrections to 2017 benefits selections. Newly elected benefits become effective.
ID Card Information Medical Plans You will receive new ID cards if you are electing a medical plan for the first time or are making changes to your coverage. You can print temporary ID cards from each provider’s website at www.aetna.com or www.myuhc.com. Prescription Plan You will receive new ID cards from OptumRx if you are electing a medical plan for the first time or are making changes to your coverage. You can print temporary ID cards at www.optumrx.com/mycatamaranrx. Dental Plans MetLife You will receive new ID cards if you are electing a dental plan for the first time or are making changes to your coverage. You can print temporary ID cards at www.metlife.com/dental. Aetna DMO There are no ID cards issued for this plan because an ID card is not required to receive services or care. However, if you prefer to have an ID card, you can print temporary ID cards at www.aetna.com. Vision Plan All current and new enrollees will receive ID cards. You can print temporary ID cards at www.metlife.com/mybenefits.
Copyright Š 2016 by the Trustees of Princeton University Princeton University Office of Human Resources 2 New South, Princeton, NJ 08544 www.princeton.edu/hr (609) 258-3300