TM

ANNUAL BENEFIT

ELECTION PERIOD

For the FY2017 benefit year

July 1, 2016 – June 30, 2017

2

Spring Tour 2016

Montana University System

3

Agenda for Today

Important Changes for FY2017

1. Mid-Year Change Recap

2. Rehabilitation Benefit Changes

3. Medical Flexible Spending Account (FSA), Tax

Advantaged Account (TAA), and Wellness reminders

Benefit Changes and your Decisions for FY2017

1. Medical, Dental, and Vision

2. Rates and Fees

Time Frames for Making Benefit Change Decisions

4

Important Changes for FY2017

MID-YEAR CHANGE RECAP

BENEFIT DESCRIPTIONBENEFIT THROUGH

DECEMBER 30, 2015

CHANGE AS OF

DECEMBER 31, 2015

Copayments

Office Visits (non-specialty) $15 $25

Specialty Visits $15 $40

Emergency Room Facility

Visits

$125 $250

Urgent Care Visits $50 $75

URx Copays Tier A (retail/mail) $0/$0

Tier B (retail/mail) $15/$30

Tier C (retail/mail) $40/$80

Tier D (retail/mail) 50 %

Tier F (retail/mail) 100%

Tier A (retail/mail) $0/$0

Tier B (retail/mail) $25/$50

Tier C (retail/mail) $60/$120

Tier D (retail/mail) 50 %

Tier F (retail/mail) 100%

URx Specialty Copays Specialty $50/ Specialty $200 Specialty $150/ Specialty $300

Deductible

Increase In-Network

Deductible

$500 (individual)/$1,000 (family) $750 (individual)/ $1,500 (family)

Out-of-Pocket Maximums

Increase In-Network Medical

OOP

$3,500 (individual)/$7,000 (family) $4,000 (individual)/$8,000 (family)

Increase Rx Out-of-Pocket $1,650 (individual)/$3,300 (family) $2,150 (individual)/$4,300 (family)

Other Benefit Adjustments

Infertility Treatment Covered – see Summary Plan

Description for details

Not covered – plan exclusion

Vision Hardware Benefit See full description at

www.choices.mus.edu/Vision.asp

$300 frames and lenses maximum

annual allowance , in lieu of contacts

$150 contacts maximum annual

allowance, in lieu of frames and

lenses

5

Important Changes for FY2017

REHABILITATION BENEFIT

CHANGES

Rehabilitative Services will be expanded to

include Acupuncture and Chiropractic Services.

BENEFIT DESCRIPTIONIN-NETWORK

COPAY/COINSURANCE

OUT-OF-NETWORK

COPAY/COINSURANCE

REHABILITATIVE SERVICES

Inpatient Services

(Pre-certification is strongly

recommended)

25% 35%

Max: 30 days per year (all therapies combined)

Outpatient Services$25 copay /visit 35%

Max: 30 visits per year (all therapies combined)

Covered Rehabilitative Services Include:

Physical Therapy

Occupational Therapy

Speech Therapy

Cardiac Rehabilitation

Respiratory Rehabilitation

Pulmonary Rehabilitation

Acupuncture

Chiropractic

6

Important Information for FY2017

Selection Of Medical Plan - WE WILL

CONTINUE OFFERING THREE MEDICAL

PLAN OPTIONS IN FY2017

Allegiance Managed Care

Blue Cross and Blue Shield

Managed Care

Pacific Source Managed Care

7

Important Information for FY2017 (cont.)

Use In-Network Providers – Be sure to use

In-Network providers to ensure you do not

incur “balance billing” charges.

Network participation by

providers is changing in the

health care market.

Always check - DO NOT assume

participation “….but my doctor has

always been In-Network!”

Check with your medical plan vendor,

MUS Benefits Office, or your campus if

you need help finding In-Network

providers.

8

Important Information for FY2017 (cont.)

ELIGIBILITY

Dependents up to age 26 may enroll

annually in medical, dental, and vision

benefits. (Does not include spouses)

Proof of eligibility according to

criteria in the Summary Plan

Description will be required.

Mid-year disenrollment may only

occur with a “qualifying event” or

during a “Special Enrollment Period”.

MEDICAL FLEXIBLE SPENDING ACCOUNT

REMINDERS…

Only employee contributions may be made to the

Medical Flexible Spending Accounts (FSAs).

The maximum amount an employee can deposit

to a medical FSA in FY2017 will be $2,550.

Medical FSAs are coordinated with your Tax Advantage

Account (TAA) account.

Funds are expended from the FSA first (since FSAs are

“use-it-or-lose-it”) and then from the TAA.

9

Important Information for FY2017

MEDICAL FLEXIBLE SPENDING

ACCOUNTS FY2017

$500 Annual FSA Roll-Over

If you have funds remaining in your

FSA account as of June 30, 2016, the

rollover provision allows you to:

1. Carry up to $500 forward into the following plan year

(for use beginning July 1, 2016) in your FSA. These

funds will be placed in the FSA in October 2016 after

FY2016 reconciliation is completed.

2. You may expend these funds on qualifying medical

expenses incurred during the following plan year

from your FSA.10

Important Information for FY2017 (cont.)

TAX ADVANTAGED ACCOUNTS (TAAs)

FY2017

Tax Advantaged Account (TAA) things to know… Only employer funds can be placed in a TAA; employee

funds cannot be contributed (use the FSA instead).

If your spouse has coverage through a HAS (Health Savings Account) or

has a High-Deductible health plan, you may wish

to talk to a tax advisor about whether to elect the

TAA.

An employer contribution to the TAA will not be made

for FY2017. Wellness Incentives earned by employees

participating in the MUS Wellness program will be made to the TAA.

(Note: participants must elect the TAA each year.)

Account balances are not use-it-or-lose-it and can continue up to 24

months following the last day of employment with MUS (for terminating or

retiring employees) and up to 24 months following the date that MUS

ceases to make employer contributions (including Wellness Incentives).11

Important Information for FY2017 (cont.)

MEDICAL SPENDING ACCOUNTS FY2017

WELLNESS INCENTIVE Active employees who completed a

WellCheck (biometric screening,

HRA, and blood draw) during calendar

year 2015 and achieved the Trailblazer

level will receive a $250 Wellness

incentive contribution to their TAA .

Adult dependents completing a WellCheck during

calendar year 2015 will receive an additional $250 in

the TAA.

Maximum of $500 per individual household enrolled in

the MUS Plan.

12

Important Information for FY2017 (cont.)

13

Important Information for FY2017 (cont.)

LIFE INSURANCE ELECTIONS

Evidence of Insurability is Required When:

1. An Active employee wishes to add Optional Supplemental Life

Insurance in an amount above $300,000 or increase existing

coverage more than one increment of $25,000 annually.

2. Adding Optional Supplemental Dependent Life

for a spouse if not enrolled during the new hire election.

Optional Supplemental Life and

Optional AD&D Coverage premiums

are paid on an after-tax basis.

14

Important Changes for FY2017 (cont.)

OPTIONAL

VISION HARDWARE

BENEFIT

Optional Vision Hardware Benefit covers ONLY

hardware.

Eyeglass frames and lenses, in lieu of contacts.

UP TO $300 ANNUAL ALLOWANCE.

Contacts, in lieu of frames and lenses.

UP TO $150 ANNUAL ALLOWANCE

Eye Exam is provided as part of the medical plan.

No need to use a network for purchasing hardware

– simply select a place to purchase the frames,

lenses, or contacts and then submit claims to Blue

Cross and Blue Shield.

15

Benefit Changes

and

Your Decisions for FY2017RATES AND FEES

ACTIVE MEDICAL –• 19.9% Aggregate Increase• Employer contribution increases to $1,054 from $887 per month.

• Premium changes after the employer contribution are applied range from a

decrease of $28 to an increase of $50 per month depending on which medical

plan you select and whether you cover dependents.

ACTIVE DENTAL –• Rates increase by 2.5% or $1-$3 per month.

• Benefits are unchanged.

OPTIONAL VISION HARDWARE PLAN –• Rates increase by 5.2% or $0.37-$1.07 per month.

• Remember – the Medical Benefits cover vision exams!

• Optional Vision Hardware Plan covers eyeglass frames and lenses or

contacts

Health Plans and Networks

16

To receive your best benefits,

STAY IN-NETWORK

with your health plan

Allegiance 1-877-778-8600, www.abpmtpa.com/mus

Blue Cross and Blue Shield 1-800-820-1674,

www.bcbsmt.com

PacificSource 1-877-590-1596,

www.PacificSource.com/MUS

Changes to CHOICES Please watch for campus mailings/information regarding key

dates benefit changes must be submitted by.

Reminder - Closed enrollment for spouses in FY2017 (qualifying

event required to add spouses – children up to age 26 may be

added).

If you do not submit any changes, then you will be re-enrolled in

the prior year benefit elections (except for Flex or TAA).

FLEX PLAN ENROLLMENT and TAA ELECTION1. You must re-enroll in Flex each year and specify the dollars you

wish to go into your account.

2. Remember that Flex is USE IT OR LOSE IT! – Rollover provision

permits up to $500 to carry forward to the following year.

3. TAA must be elected by employee annually – must elect TAA to

be eligible for Wellness funds.

17

QUESTIONS?

Thank you for your time!

18