Transcription
2022 BenefitsOpen Enrollment
Agenda Welcome!Are you a New Hire?What’s New for 2022?Benefits Overview– Medical/Pharmacy– Dental– Vision– Spending Accounts– Life and AD&D– Voluntary BenefitsSurcharge CertificationsWellnessQuestions?
Open Enrollment OverviewWelcome to the Benefits Open Enrollment webinar!Open Enrollment for Active HMH Team Members is November 1-19, 2021.(Carrier & Red Bank’s Open Enrollment will be from November 29 - December 10) Most of your benefit elections will carry over for 2022 if no action is taken during this time. If you want to change your current elections, add or drop dependents, participate in a Health CareFlexible Spending Account or Dependent Care Flexible Account, or contribute to a Health SavingsAccount in 2022, you MUST complete the enrollment process by midnight on November 19. If you are not making any changes, it is still important to go through the enrollment process toreview that your beneficiaries are up-to-date.
Open Enrollment OverviewAre you a New Hire? If you were hired on or after 11/1/2021, you will need to complete your “NewHire” event before completing your “Open Enrollment” event. If you were hired prior to 11/1/2021 and have not yet submitted your “New Hire”event you will not see your “Open Enrollment” event until you submit your “NewHire” event. For specific benefit enrollment instructions for New Hires, please n-Enrollment
Open Enrollment OverviewNew for 2022Medical In 2022, you will have the same plan options as last year: the OMNIA, Basic/High Deductible and Out-of-Area plans. The plans are mostly the same in 2022, however some minimal changes have been made to the Inner Circle tier of the OMNIA plan The changes to the Inner Circle tier include a small increase in deductible and maximum out-of-pocket as well as a decrease incoinsurance from 100% to 90%. Despite these minimal changes, our team member rates remain low and are extremely market competitive. The Inner Circle Prime tier continues to offer you the best options, with no copays and no deductibles. To see the changes made to the Inner Circle tier for the 2022 plan year, please review the 2022 side-by-side comparison chart. These changes start January 1, 2022, and only apply to the OMNIA Inner Circle tier. Remember: Inner Circle PRIME still offers the best savings and there are no copays, no deductibles and 100% coverage.Life Insurance In 2022, HMH’s life insurance provider will be New York Life, replacing NJHA/Metlife. If you do not want to make changes to your current life insurance policy, you do not have to. Your current elections will carry over into 2022. However, if you’d like to make any changes, Open Enrollment is your only opportunity. During this Open Enrollment 2022 only, may you newly enroll or increase your supplemental life insurance up to the lesser of 2 timesyour base salary or 200,000 without Evidence of Insurability (EOI). Any new elections or increases above 2 times your base salaryor 200,000 will require EOI.
Open Enrollment OverviewMedical Plan ComparisonFor 2022 Medical plan rates, please visit ollment
Open Enrollment OverviewOmnia Plan Comparison to 2021Plan Year2021For 2022 Medical plan rates, please visit ollment
Open Enrollment OverviewOmnia Plan This medical plan option is a single plan that offers you the flexibility to access carethrough 4 tiers. Your out-of-pocket responsibility is based on the tier your providers participates in. Inner Circle Prime – Consists of HMH owned physician practices and facilities Inner Circle – Consists of HMH designated physician practices and facilities Horizon Omnia Tier 1 Horizon Tier 2 This plan has no out-of-network benefit, but does provide access to BlueCard foroutside of NJ
Open Enrollment OverviewBasic Plan / High Deductible Plan The Basic Plan is a consumer-driven health plans that can save you money with careful management.This plan offers you the flexibility to access care through 3 tiers described below. The Basic Plan has a higher deductible. However, participants are eligible to enroll in a Health SavingsAccount which will assist with meeting the deductible. It is very important to use this money tomaximize the benefits of the Basic Plan. Your out-of-pocket responsibility is based on the tier your providers participates in. Inner Circle – Consists of HMH designated physician practices and facilities Horizon PPO Out-of-network This plan have both in-network and out-of-network coverage along with access to Blue Card for outsideof NJ.
Open Enrollment OverviewOut-of-Area Plan For those who live outside of NJ or in remote New Jersey counties- Atlantic- Gloucester- Burlington- Hunterdon- Camden- Mercer- Cape May- Sussex- Cumberland - Warren This medical plan option offers you the flexibility to access care through 2 tiers. Your out-of-pocket responsibility is based on the tier your providers participates Inner circle – Consists of HMH designated physician practices and facilities Horizon managed care network This plan has no out-of-network benefit, but does provide access to BlueCard for outside of NJ.
Open Enrollment OverviewKey PointsWhat’s the difference between the Inner Circle Prime & Inner Circle tiers of the OMNIA plan? HMH Inner Circle Prime utilizes doctors, specialists and medical facilities that are a part of the HackensackMeridian Health network. HMH Inner Circle is a network of doctors, specialists and medical facilities who participate in the HMH 2021 healthplan. With Inner Circle, your out-of-pocket costs for covered services will be lower than at other providers, but with InnerCircle Prime, you will not have any out-of-pocket costs for covered services.How do I know which providers are Inner Circle Prime and which are Inner Circle? You should always verify with your provider before seeing them regarding their participation in the Inner Circle. To see which providers are a part of which tier, you can use the Horizon Blue app or visit the Horizon Blue Find aDoctor tool. It’s important to verify each of your individual providers, as some practices may have certain providers that are inthe Inner Circle Prime tier and others who are not.
Open Enrollment OverviewInner Circle LabsUtilizing one of the below Inner Circle labs will provide the least expensive option for you. Bayshore Community Hospital – Outpatient Services HackensackUMC Palisades – Outpatient Services Jersey Shore University Medical Center – Outpatient Services JFK Medical Center – Outpatient Services Lacey Center for Health –Laboratory Little Egg Harbor Center for Health – Laboratory Meridian Health Laboratory at Ocean Care Center Meridian Health Village at Jackson – Laboratory Services Ocean Medical Center – Outpatient Services Palisade Medical Center – Outpatient Services Quest Freestanding Locations (LabCorp is considered OMNIA Tier 1) Raritan Bay Medical Center Old Bridge & Perth Amboy – Outpatient Laboratory Riverview Medical Center – Outpatient Services Southern Ocean Medical Center – Laboratory Services TotalLabs
Open Enrollment OverviewHow much would I be responsible for when using an Inner Circle Lab?Omnia Plan Plan pays 100% when you use Inner Circle Prime Plan pays 90% (after deductible is met) when you use Inner Circle Plan pays 70% (after deductible is met) when you use Tier 1 Plan pays 50% (after deductible is met) when you use Tier 2Out-of-Area Plan Plan pays 100% when you use Inner Circle Plan pays 80% (after deductible is met) when you use Horizon PPO NetworkBasic/High Deductible Plan Plan pays 100% (after deductible is met) when you use Inner Circle Plan pays 60% (after deductible is met) when you use Horizon PPONetwork Plan pays 50% (after deductible is met) when you use Out-of-Network
Open Enrollment OverviewBlue Card Network What is a BlueCard Network?BlueCard is a national program that enables members of one Blue Cross and Blue Shield (BCBS)Plan to obtain health care services while traveling outside of New Jersey, Horizon Blue Cross BlueShield of New Jersey's service area. The BlueCard program offers access to more than 600,000 Blue Cross and Blue Shielddoctors and 6,000 hospitals in all 50 states - more than any other health insurer 95% of in-network doctors nationally and 96% of hospitals in-network nationally No Primary Care Physician or referral needed BlueCard is included in all three plans
Open Enrollment OverviewPrescription-Optum Rx Our prescription plan is included with your medical plan however, is administered by OptumRx.Your out-of-pocket cost will depend upon the type of prescription you are filling (ie. Generic, PreferredBrand, Brand Name, Specialty) as well as where you fill your prescription (In-House, Retail, Mail Order).Key Points Prescriptions for a 30-day supply of medication can be filled through retail or our on-site pharmacies.Remember, our pharmacy benefit requires that all maintenance prescriptions (ones that you refill regularly)must be filled at an In-House Pharmacy or through mail-order.Specialty drugs can be filled at your in-house pharmacies or through BriovaRx (OptumRx’s specialty pharmacy).Using the on-site pharmacies will provide the lower cost option.
Open Enrollment OverviewIn-House Pharmacy LocationsUtilizing an In-House Pharmacy will provide the least expensive option for you prescription needs.In addition to HMH’s in-house pharmacy, you can also have a 30-day supply of your prescription filled atparticipating retail pharmacies and you can save on co-pays by getting a 90-day supply filled via mail-orderthrough Optum-Rx. Hackensack University Medical CenterComing Soon:Jersey Shore University Medical CenterMedical School CampusJFK Medical CenterJohn Theurer Cancer CenterMeridian Village Pharmacy at JacksonOcean Medical CenterPalisades Medical CenterRiverview Medical CenterSouthern Ocean Medical CenterRaritan Bay Medical Center – Old BridgeHMH Specialty Pharmacy in Eatontown providing network level service
Open Enrollment OverviewBehavioral HealthHorizon Behavioral Health offers a full range of support and services to make sure you get all the care andsupport you need.Covers Treatment for: ADHD Alcohol and Substance use disorder Anxiety Autism spectrum disorder Depression Eating disorders Emotional health and wellness Family care and education Grieving after loss Serious mental illness Suicide prevention And much more
Open Enrollment OverviewExperian IdentityWorksSMYou have access to Experian identity protection services as an added feature of your healthplan. For additional protection at no cost to you, you may enroll in Experian IdentityWorks atany time while you are an eligible Horizon BCSNJ member.When you do, you’ll have access to: Experian credit report at signupCredit monitoringInternet surveillance of your personal infoUp to 1 million identify theft insuranceChild monitoringExperian IdentifyWorks ExtendCARE Be prepared to provide engagement number DB14223 as proof of eligibility
Open Enrollment OverviewAccessing your InformationFor easy, on-the-go access, use the Horizon Blue app for: Benefits and coverage informationCheck your claim statusID Cards, view, print and request additional ID cardsLocate your Doctors & CareTo get the app, text GetApp to 422-272Download it from the App Store or Google Play
Open Enrollment OverviewDental PlansThere are three options for dental insurance to choose from. Horizon Dental Option Plan – PPO (administered through Horizon) Access to more than 200,000 office locations nationwide. Out-of-network benefits available Horizon Dental Choice Plan E – HMO (administered through Horizon) Care must be coordinated through the in-network dentist you select as your primary care dentist Covers 100% of all eligible preventive and basic services with no co-payments, maximums ordeductibles No Out-of-Network benefits Healthplex – HMO (administered through HealthPlex) Care must be coordinated through the in-network dentist you select asyour primary care dentistFor 2022 Dental plan rates, please visit ollment
Open Enrollment OverviewVision PlansThere are two plans to choose from with in-network and out-of-network options. Horizon Vision Plan - One Pair Option (Basic) The Buy-Up plan allows up to two pairs of eyeglasses, or one pair of eyeglasses and onedispense of contact lenses, or two dispenses of contact lenses per benefit period. Horizon Vision Plan - Two Pair Option (Buy-Up) The Base plan only offers an allowance for one or the other. 1 pair of glasses or 1 dispense ofcontacts.Please note that our Vision plan is administered through Horizon but is based on Davis Vision’s network.To find a network provider, visit davisvision.com and click “Find a Provider” to locate a provider near you.For 2022 Vision plan rates, please visit ollment
Open Enrollment OverviewSpending AccountsFlexible spending accounts (FSAs) are tax-advantaged savings accounts in which funds are used for qualified medical expenses, including dental and visionexpenses and dependent care. FSA funds are not subject to federal income or Social Security taxes.How does it Work? You set aside a predetermined amount to be deducted from your paycheck pre-taxed, which is then deposited into yourFSA(s) account with Baker Tilly (Spending Account Vendor). If you did not elect an FSA last year, you will receive a new debit card for your FSA account by the end of year.Health Care FSAs A health care flexible spending account (FSA) is a benefits plan designed to allow employees to set aside pre-tax dollars to pay for eligible medical,dental and vision expenses such as co-pays, deductibles and other out of pocket medical expenses. Yearly maximum contribution is 2750.00 Unused FSA funds are forfeited to the employer at the end of each plan year. For 2022, the maximum carryover for the Health Care FSA is 550.00Dependent Care Dependent Care Accounts are used to reimburse expenses associated with the care of a dependent child or adult while you continue working orsearching for work. Childcare costs are eligible for reimbursement if a child is 13 and younger and you claim the child as a dependent on your federal income tax return. Costs of care for an adult dependent, including a spouse or a parent, qualify if the adult is physically or mentally disabled. Yearly maximum is 5000.00 Unused Dependent Care funds are forfeited to the employer at the end of each plan year. Budget carefully! There is NO carryover of funds for Dependent Care.
Open Enrollment OverviewHealth Savings Account (HSA)What is an HSA? An HSA allows you to save pre-tax money to pay for qualified medical expenses, expen. The idea is to lower your overall healthcare costs byusing the HSA funds for such things as deductibles, co-payments, coinsurance, and other expenses. You can only contribute to an HSA if youare in enrolled in a High Deductible Health Plan (HDHP) such as the as the Hackensack Meridian Health Basic Plan/High Deductible plan.What are the advantages of an HSA? HSA funds roll over from year-to-year There are tax benefits on contributions, earnings and distributions Long-term investment opportunities are available (over 2,000) If you change your jobs your money is kept in the account to be used in the future Retirement Once you turn 65, you can withdraw HSA funds for non-health care expenses (& pay federal income taxes)What are the contribution limits for HSAs? Individual: 3,650 Family: 7,300 Catch Up Contribution for age 55 or older remains 1000Does HMH contribute any funding towards the HSA? HSA funding varies by salary band and coverage tier and funding amounts. For 2022 employer HSA contributions, please visit ollment
Open Enrollment OverviewLife Insurance - NY LifePlanDetailsBasic Life1.5x Basic Annual Earnings to 500k maxBasic Accidental Death & Dismemberment Life (AD&D)1.5x Basic Annual Earnings to 500k maxGuaranteed Issue Amount (GI) for Basic 500kSupplemental Life – Employee1x-5x Basic Annual Earnings max up to a 1MSupplemental Life AD&D – Employee (no EOI required)1x-5x Basic Annual Earnings max up to a 1MGuaranteed Issue Amount (GI) for Supplemental LifeLesser of 200k or 2x BAE Supplemental(If elected within 31 days of initial eligibility)Supplemental Spouse Life*Guaranteed Issue Amount (GI) for Spouse LifeSupplemental Dependent Life*Coverage in increments of 5k to a max of 250k 30k (If elected within 31 days of initial eligibility) 5k or 10k options
Open Enrollment OverviewLife Insurance - NY LifeWhat is a “Guaranteed Issue" amount?A plan's guaranteed issue (GI) is the amount of life insurance available to an employee without having to provideEvidence of Insurability (EOI) or otherwise known as Statement of Health form. Basic Life & AD&D: 500kSupplemental Life: The lesser of 200k or 2x BAE Supplemental, (If elected within 31 days of initial eligibility) Please note, for this year only because we are changing to NY Life, TMs will be allowed to elect up to the lesser of 200k or 2x BAEwithout EOI.Supplemental AD&D: the lesser of 5x BAE or 1,000,0000 . “all guarantee issue” EOI will never applySpouse Life: 30k, (If elected within 31 days of initial eligibility or Marriage event) Please note, for this year only because we are changing to NY Life, TMs will be allowed to elect up to 30k without EOI.When is Evidence of Insurability required? EOI is generally required for coverage in excess of any applicable guarantee-issue amount, late entrants,and re-applications for previously-declined coverage.
Open Enrollment OverviewLife Insurance - BeneficiariesIt’s important to keep your beneficiary designations up-to-date as people move in and out of your life.A beneficiary is the person or entity that would receive the death benefit from your life insurance coverage ifyou were to die. There are two types of beneficiaries: primary and contingent. A primary beneficiary is the person (or persons) first in line to receive the death benefit from your lifeinsurance policy – typically your spouse, children or other family members. In the event your primary beneficiary dies before or at the same time as you, you are allowed to nameat least one backup beneficiary, called a “secondary” or “contingent” beneficiary. If the primarybeneficiaries are all deceased, the secondary beneficiaries receive the death benefit.
Open Enrollment OverviewEmployee Assistance Program (EAP) OptumTeam members and their families can take advantage of five (5) no cost (free) counseling sessions to help address stress, relationship andother personal issues they may face including: EAP is staffed by highly trained masters level clinicians who will listen to your concerns and refer you to in-person counseling and otherextended care resources such as: Relationship troubles Parenting and family issues Workplace problems or conflicts Stress and anxiety Child and eldercare support Living with chronic conditions Legal, financial and mediation services Accessing your EAP is easy and available 24 hours a day, seven days a week. When you call, an EAP specialist will listen to your needs and connect you to the appropriate resources. If you have any questions about services, coverage and more, visit liveandworkwell.com or call 866-407-5252. company ID: HMHNEAP /Health-and-Wellbeing/EAP
Open Enrollment OverviewCoordinated Care ProgramOur Coordinated Care Program provides critical resources and discounts to help people live with chronichealth conditions. Through this program, covered team members and/or dependents are eligible for thefollowing benefits: Free prescriptions related to the three most common chronic health conditions as long as you seeparticipating Hackensack Meridian Health-owned providers; utilize prescriptions that are on our Optumformulary list and fill your eligible prescriptions at our in-house pharmacies. Diabetes High Blood Pressure/Hypertension High Cholesterol
Open Enrollment OverviewHMH Care NOW (formerly Convenient Care NOW) - new Telemedicine platformBe on the lookout for enrollment instruction for this new urgent care platformAfter 12/15/21, Convenient Care NOW will be replaced by HMH Care NOW - which will required a new appto be downloaded. HMH Care NOW still offers 24/7 Urgent Care video visit access to board-certified doctors in under 10minutes from your smartphone, tablet or computer. Free of cost for all Hackensack Meridian Health team members and their dependents. HMH Care NOW cards will be mailed out to all new benefit eligible team members. Team members with a Peoplesoft ID will not require a coupon code to use the service - no code needed. Team members without a Peoplesoft ID will need to use a registration code CARENOW2022 when theyregister for the service. After registering, no code will be required.
Open Enrollment OverviewVoluntary Benefits through the Farmington Company Offered in addition to all other benefitsEmployee paid through the convenience of post tax payroll deductionsPortability - May be taken with you should you leave HMHCoverage available for you, your spouse and eligible family membersAvailable without medical questions, up to stated limitsPlans offered: Hyatt Legal MetLife Critical Illness MetLife Hospital Indemnity Insurance MetLife Home & Auto Insurance Unum Accident Insurance Unum Whole Life Insurance (with Long Term Care Rider) Nationwide Pet InsuranceHow to Learn More and Enroll Voluntary Benefits are not available through MyWay PeopleSoft Offered through Farmington Company by calling 1-844-428-6688 (Mon-Fri, 8am – 5pm)
Open Enrollment OverviewSurcharge CertificationsTobacco Surcharge In addition to regular medical plan premiums, all tobacco users enrolled in the Hackensack Meridian Health, medical program are required to payan additional surcharge per pay period, per household. Team members who fail to attest to their tobacco status during enrollment become subject to the Tobacco Surcharge as an enrollment default. Surcharge applies to team member and spouse - 15 per pay (per household) Tobacco users can reverse their Tobacco Surcharges by completing a designated HMH approved smoking cessation program designed to educateand provide support to individuals trying to change tobacco-related habits. Please visit for additional information: /Health-and-Wellbeing/Wellbeing-ResilienceMedical Spousal Surcharge If your spouse’s employer offers medical coverage and you choose to provide him/her coverage under HMH’s plan, you'll pay a 25 per payworking spousal surcharge. The surcharge is deducted from your paycheck on a pre-tax basis. The surcharge does not apply to dental or vision plans, but only medical. To avoid paying the surcharge, your spouse can enroll in his or her employer’s medical plan.Spousal Surcharge is NOT Applied If you and your spouse are BOTH employed at HMH and are both covered under HMH’s plan by you or spouse If your spouse has NO access to health coverage If your spouse is self-employed If your spouse is covered under Medicare or Tricare
Open Enrollment OverviewWell-beingWell-being Incentive was designed to support team members/spouse yin their journey of well-being so that you can live your best life!.What are the requirements for the 2021 Well-being Incentive Program?Completion of three steps: 1. Registration 2. Online Health Assessment (with Bravo) and 3. Two remaining designated Well-being activities to earn your 200 well-being incentive.Please note: Some activities are limited to team members only.Who can participate? Team members and spouses enrolled in the plan and active in MyWay PeopleSoft can earn a 200 well-being incentive ( 400 per family). By participating, team members and spouses who are enrolled in the medical plan can each earn a 200 well-being incentive. Carrier and Majestic team members are not eligible for the program at this time.How do I get started? Visit www.bravowell.com/hmh and follow the step-by-step instructions to create an account. Complete the registration step by providing Bravo with your required information. When creating your account, make sure to enter a valid email address and click the verification link that will come to your email.References Complete 2021 Incentive Program FAQs 2021 Quick Reference 2021 Incentive Program GuideFOR ADDITIONAL INFORMATION, PLEASE VISIT: /Health-and-Wellbeing/Wellbeing-Resilience
Open Enrollment OverviewImportant Points to Remember If you are enrolling in any new Medical, Dental and Vision plan, ID cards will be mailed directly toyour home listed in PeopleSoft. If you remain in the same plan for 2022, you may utilize thesame 2021 ID cards. Temporary ID cards may be downloaded through the mobile app or the Horizon website (shownon a previous slide) Make sure you have dates of birth and social security numbers for any new dependents addingon your health insurance plans. Do not forget to review and add/delete your beneficiaries for life insurance & life AD&D. Remember, for more in-depth information about HMH’s benefit plans, behavioral health benefitdetails, Inner Circle provider list and much more, please visit our MyHMH website athttps://myhmh.hmhn.org/en.
Questions?
Welcome to the Benefits Open Enrollment webinar! Open Enrollment for Active HMH Team Members is November 1-19, 2021. (Carrier & Red Bank's Open Enrollment will be from November 29 - December 10) Most of your benefit elections will carry over for 2022 if no action is taken during this time.
