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Our Goals for USC Employees1. Have more affordable op1ons2. Receive incen1ves for healthy lifestyle choices3. Understand plan op1ons and make best choicesbased on their needs1
What is Open Enrollment?Open Enrollment is your opportunity to: Re-enroll in your benefits Make changes (add or remove a dependent,add or change plans)2
Benefit ChangesYou may make changes aKer Open Enrollment within 31 daysfollowing a qualifying event: MarriageDivorce or legal separa1onBirth or adop1onChange in your dependent’s eligibility for benefitsChange in work status that impacts your benefitsChange in your partner’s work status that impacts benefitsDeath of a partner or covered dependent3
What happens next?You will receive a noAficaAon in yourWorkday inbox. You will be guidedthrough enrollment for ALL of yourbenefit choices.4
Benefits OpAons HealthDentalVisionFlexible Spending Accounts (FSA)Life InsuranceDisability InsuranceHyaO Legal5
Health Plans2017: Three PlansNEWNetworkMedical PlanAnthemHMOKaiserHMOUSC PPO(formerly NMP)USCHMOKaiserHMO3 1er networkTier 1: KeckTier 2: Anthem BCPrudent BuyerTier 3: Others 2 1er networkTier 1: Anthem BCAdvantage HMOTier 2: Anthem BCCalifornia Care2018: Four PlansUSC Trojan CareEPO Single 1er networkKeck and partners Single 1erKaiser network6
Provider NetworksUSC PPO(formerly NMP)---------------------------Tier 1----------------------------USC Trojan CareEPOUSCHMOTier 1----------------------------Tier 2----------------------------Tier 3---------------------------OthersTier 2---------------------------7
Monthly Employee Premiums2017Employee onlyUSC Trojan Care EPO Employee AdultEmployee Child(ren)Employee FamilyEmployee onlyUSC PPOEmployee Adult(Network Medical Plan) Employee Child(ren)Employee FamilyEmployee onlyUSC HMOEmployee Adult(Anthem HMO)Employee Child(ren)Employee FamilyEmployee onlyEmployee AdultKaiser HMOEmployee Child(ren)Employee Family -180543337543943522403521003222153222018 18 w/IncenAves 80 238 184 321 159 423 333 560 56 235 205 320 86 259 2318 366
Out of pocket Maximums2018 number in red font2017 numbers in blue fontUSC PPO(Network Medical Plan)Tier 1Tier 2USCTrojanCare EPOTier 3USC HMO(Anthem HMO)Tier 1KaiserHMOTier 2 1,500 2,500 12,500 1,000 2,500 10,000 1,000- 1,500 2,500 2,000- 3,000 3,000 3,000 5,000 25,000Employee Adult 2,000 5,000 20,000 2,000- 3,000 5,000 4,000- 6,000 6,000 3,000 5,000 25,000Employee Child 2,000 5,000 20,000 2,000- 3,000 5,000 4,000- 6,000 6,000 4,500 7,500 37,000Employee Family 3,000 7,500 30,000 3,000 4,500 7,500 6,000- 6,000 6,000Employee-9
IncenAves & ChargesINCENTIVES 40/month: Health assessment 25/month: Tobacco / Nico1ne Free Incen1ve 10 off doctor office visit copays if you select primary carephysician (PCP) in the USC Trojan Care EPO planADDITIONAL CHARGES 50/month: Working spouse add-on chargeCon1nue the l10
Strongest RecommendaAon: Open EnrollmentIf no selec1on is made, the member defaults into: The same plan and level of coverage as 2017 year Vision @ same coverage 1er as health default (cost varies) Tobacco/Nico1ne smoker/user status (cost of 25 / month) Spousal add on charge (cost of 50 / month)Those that do not par1cipate in open enrollment are less likely tocomplete the Health Assessment (loss of 40 / month incenAve)11
Consider ThisIs both your hospital AND doctor covered by your desired medical plan?Is one or the other on a more expensive :er?12
Dental PPO v. DHMOCon1nue the 13
Dental PPO v. DHMOProvider OpAonsDelta Dental (PPO)United Concordia (DHMO)Ostrow School of Den1stryof USCUnited Concordiacontracted den1stsDelta Dental PPO den1stsDelta Dental Premierden1stsNon-contracted den1stsMaximum benefit (pp) 1,500None within networkCon1nue the ental/united-concordia14
Vision (VSP Plan)Con1nue the 15
Vision (VSP Plan)ServiceTier I (USC Roski)Tier 2 (VSP network) Tier 3 (Out ofnetwork)Annual eye exam 0 15 copay 15 copay(value up to 45)Eyeglass frames(every 2 years) 25 copay(value up to 200 ) 25 copay(value to 170) 25 copay(value up to 55)Eyeglass lenses(every year) 25 copay 25 copay 25 copay(value up to 125)Progressive Lenses(every year) 55 - 175 copay 55- 175 copay 25 copay(value up to 85)Contact lenses(in lieu of glasses,every year)Value up to 175Value up to 150Value up to 150Con1nue the 16
Flexible Spending AccountsHealth SpendingDependent CareAnnual Maximum 2,600 5,000Carry over amount 500N/AEligible expensesDeduc1bles, copayments,prescrip1ons, select OTCmedica1ons (if prescribed)Daycare, babysigers,companions, before/aKerschool careExpenses that are noteligibleInsurance premiums,Educa1onal programs,cosme1c surgery expenses, sleepover campsexpenses incurred byineligible dependentsCon1nue the sas17
Life InsuranceOpportuni1es to buy addi1onal: Individual Life Insurance (up to 5x salary) Spouse and Dependent Life Insurance (50K/25K) Accidental Death & Dismemberment (up to 500K) Rates based on age and/or coverage amount Benefits are managed through Lifebenefits siteCon1nue the ife-insurance18
Disability InsuranceCon1nue the y19
Disability InsuranceCon1nue the 20
AddiAonal BenefitsHyaO Legal Plan 15.74/moCon1nue the yag-Legal-Plan-USC-Flyer.pdf21
ReArement2018 maximum contribuAon 18,000Catch-up contribuAon (over 50) 6,000Con1nue the nt-plan22
Key Dates Benefit fairs– UPC– HSC Open enrollment Health screens11/1 (9:30am – 2:00pm)11/2 (10:00am – 3:00pm)10/30-11/2110/02-11/1723
What can you do? Con1nue to be an educated consumer Make sure YOUR plans meet YOUR needs Review your annual out of pocket expenses todetermine if FSA is best for you Review rate comparison sheet24
What can you do? Take the 1me to update personal informa1onsuch as:– Address– Phone numbers– Beneficiaries (in Workday and directly withproviders)25
What happens next?Make sure that you are certain aboutALL of your open enrollment decisionsBEFORE finalizing in Workday!26
Available ResourcesCustomer Service:HR Service Center(213)821-8100 or uschr@usc.eduWebsite: hgp://openenrollment.usc.eduProvost HR website: hgp://hr.provost.usc.edu27
Visit Provost HR’s website
Visit Provost HR’s websiteWe will con1nue to updatethis page during OpenEnrollment with helpful links.
Your HR PartnersStudent Affairs/Provost Groups - Kimberly ClarkeKclarke@provost.usc.eduEngemann Student Health Center – Erika Jimenezemjimene@provost.usc.eduInformaAon Technology Services - Alma Dalnayadalnay@provost.usc.eduLibraries - Trina Wallacetwallace@provost.usc.edu30
Office of the ProvostHuman ResourcesThank you!
USC PPO (Network Medical Plan) USC Trojan Care EPO USC HMO (Anthem HMO) Kaiser HMO Tier 1 Tier 2 Tier 3 Tier 1 Tier 2 Employee 1,500 2,500 12,500 1,000 1,500 2,500 3,000 1,000 2,500 10,
