1. Ingeniería

OCTOBER 2014
2015 Plan Year Open Enrollment: what you need to know
This is the time of year to consider different medical and dental plans for 2015. If you want to change plans, you
need to submit an enrollment form with your new election between November 1 and the December 1 deadline.
You will receive the form and benefits guide with plan descriptions later in October.
Plan Changes for Retirees
under Age 65 for 2015:
The University is making these changes to the UPlan
options for 2015:
• The Insights by Medica plan will not be offered in
2015. If you have Insights, you need to choose a
different plan during Open Enrollment in order to
have coverage in 2015. If your current provider is
with the HealthPartners clinics, take note that the
HealthPartners Medical Group clinics and Regions
Hospital will be a care system in Medica Elect/Essential
for 2015. Medica HSA and Medica Choice National are
also options that include all of the HealthPartners clinics.
• When you look at the rates, you’ll see that there are just
three coverage tiers in 2015. This is the result of the
decision last year to merge the employee and spouse tier
with the employee and spouse and child/children tier as
one of the ways to avoid the excise tax provision of the
Affordable Care Act. If you currently have the employee
and spouse tier, you will need to select a new tier and
re-enroll your spouse for 2015.
• You’ll also notice that same-sex domestic partners have
been removed from the tier name. That is because samesex domestic partner coverage will end on December
31, 2014, since same-sex partners can marry. The
UPlan offers coverage for spouses. If you have other
dependents, you will need to re-enroll them.
You will need to complete the Dependent Eligibility Verification
process for dependents you add during Open Enrollment.
Plan Changes for Retirees Age
65 or Over for 2015:
The plans have a few changes for 2015. Changes are shown
below for each plan. Be sure to review the full benefits chart
when you receive your enrollment guide.
Blue Cross Blue Shield of Minnesota Plan 1 and
Plan 2
• The pharmacy benefit manager is changing from Prime
Therapeutics to CVS. Copayments remain the same, but
you need to re-register at the pharmacy.
HealthPartners Freedom and HealthPartners
Retiree National Choice, Plan 1 and Plan 2
• Non-medical foot care coverage has been eliminated
due to a lack of providers.
Medica Group Prime Solution
Medica is splitting generic prescription drug coverage
between preferred and non-preferred:
• Plan 1—adding a Non-Preferred Generic tier with a $30
copay versus the current overall $10 Generic copay.
• Plan 2—adding a Non-Preferred Generic tier with a $20
copay versus the current overall $10 Generic copay.
UCare
There are no changes for Plan 1; however, Plan 2 has two
copayment changes:
• A new $100 copayment will be added to Ambulance
Services
• The Urgent Care copayment will increase from $20 to $25
Wellness Program changes: new incentive for good health
Incentive amount increases for 2016
The Wellness Program for retirees under age 65 has an
increased incentive, additional programs, and operational
improvements for the 2014-15 program year that will make
it more valuable to you.
You can save $400 or $600 on the annual UPlan medical
rates based on your level of coverage. If you have Retiree
only or Retiree and Children coverage, earn 400 points and
you’ll save $400 on your 2016 medical rates.
Continued on Page 4
2015 Monthly Premium — Retirees Age 65 or Over
(Includes premium for Medicare Part D)
Medical Plan
Cost per person*
Blue Cross Blue Shield: U of M Retiree Plan
Group Platinum BlueSM Plan C
Plan 1: $290.00
Plan 2: $168.25
HealthPartners Freedom Plan and
HealthPartners Retiree National Choice
Plan 1: $256.50
Plan 2: $153.50
Medica Group Prime Solution
Plan 1: $267.00
Plan 2: $158.00
UCare for Seniors
Plan 1: $271.00
Plan 2: $142.00
*Retiree, spouse, surviving spouse age 65 or over, and participant on disability status with Medicare Part A and Part B
Medical: 2015 Monthly Rates — Retirees under Age 65/
Participants on Disability Status
Total Cost
UPlan Wellness
Achievement Rates
Total Cost
UPlan Standard
Rates
Base Plan: Medica Elect/Essential: Twin Cities & Duluth
$605.91
$630.91
Base Plan: Medica Choice Regional: Greater Minnesota
$605.91
$630.91
Medica ACO Plan: Twin Cities only
$584.05
$609.05
Medica Choice National
$671.02
$696.02
Medica HSA
$544.11
$569.11
Total Cost
UPlan Wellness
Achievement Rates
Total Cost
UPlan Standard
Rates
Base Plan: Medica Elect/Essential: Twin Cities & Duluth
$1,068.67
$1,093.67
Base Plan: Medica Choice Regional: Greater Minnesota
$1,068.67
$1,093.67
Medica ACO Plan: Twin Cities only
$1,028.82
$1,053.82
Medica Choice National
$1,179.15
$1,204.15
$945.73
$970.73
Retiree only; Spouse under age 65 only; Surviving Spouse
only; or One Dependent Child only
Retiree and Children; Spouse under age 65 and Children;
Surviving Spouse and Children;
or Two or more Dependent Children only
Medica HSA
Total Cost
UPlan Wellness
Achievement Rates
Total Cost
UPlan Standard
Rates
Base Plan: Medica Elect/Essential: Twin Cities & Duluth
$1,602.42
$1,635.75
Base Plan: Medica Choice Regional: Greater Minnesota
$1,602.42
$1,635.75
Medica ACO Plan: Twin Cities only
$1,546.02
$1,579.35
Medica Choice National
$1,771.03
$1,804.36
Medica HSA
$1,479.95
$1,513.28
Retiree and Spouse with or without Children
Come to an Employee Health
& Benefits Fair
Plan to attend the fair and meet with representatives of
the health and retirement plans. Walk around and talk to
the representatives from your medical or dental plan, the
pharmacy benefits manager, the retirement investment
plans, and more.
Flu shots funded by the UPlan Wellness Program are offered
at no cost to you at all of the fair locations.
2
November 5
Bede Ballroom
Crookston, Noon to 2 p.m.
November 6
Kirby Student Center Ballroom
Duluth, 10 a.m. to 2:30 p.m.
November 10
Oyate Hall, UMM Student Center
Morris, 11 a.m. to 1 p.m.
November 11
Great Hall. Coffman Memorial Union
Minneapolis, 10 a.m. to 3:30 p.m.
November 12
North Star Ballroom, Student Center
St. Paul, 10 a.m. to 3:30 p.m.
Flu shots are in the Cherrywood Room
Examples of Plan Differences for Age 65 or Over
Outpatient Surgery
Physician Office Visit
Urgent Care Visit
BCBS Plan 1
100% after Medicare
Part B annual deductible
100% after Medicare
Part B annual deductible
100% after Medicare
Part B annual deductible
BCBS Plan 2
100% after $75 copay
100% after $20 copay
100% after $20 copay
HealthPartners Plan 1
100% coverage
100% after $15 copay
100% after $15 copay
100% after $20 copay for
primary care;
$30 copay for specialty care
100% after $30 copay
100% after $15 copay
100% after $15 copay
100% after $20 copay for
primary care;
$30 copay for specialty care
100% after $30 copay
HealthPartners Plan 2
100% after $75 copay
Medica Plan 1
100% coverage
Medica Plan 2
100% after $50 copay
UCare Plan 1
100% coverage
100% after $15 copay
100% after $20 copay
UCare Plan 2
100% after $200 copay
100% after $20 copay
100% after $25 copay
Dental: 2015 Monthly Rates — Retirees of All Ages/
Participants on Disability Status
Retiree only; Spouse under age 65 only; Surviving Spouse only; or One Dependent Child only
Total Cost
Base Plan: Delta Dental PPO: Twin Cities & Duluth
$34.00
Base Plan: Delta Dental Premier: Greater Minnesota
$41.69
University Choice
$47.97
Delta Dental Premier
$41.69
HealthPartners Dental
$37.72
HealthPartners Dental Choice
$41.06
Retiree and Children; Spouse under age 65 and Children; Surviving Spouse and Children;
or Two or more Dependent Children only
Total Cost
Base Plan: Delta Dental PPO: Twin Cities & Duluth
$81.40
Base Plan: Delta Dental Premier: Greater Minnesota
$99.32
University Choice
$114.83
Delta Dental Premier
$99.32
HealthPartners Dental
$92.91
HealthPartners Dental Choice
$100.90
Retiree and Spouse with or without Children
Base Plan: Delta Dental PPO: Twin Cities & Duluth
Total Cost
$94.42
Base Plan: Delta Dental Premier: Greater Minnesota
$115.68
University Choice
$133.58
Delta Dental Premier
$115.68
HealthPartners Dental
$104.89
HealthPartners Dental Choice
$113.90
3
Employee Benefits
200 Donhowe
319 15th Avenue SE
Minneapolis, MN 55455-0103
Explore wellness programs and
activities in your plan
All of the medical plan options for retirees age 65 or over
offer a variety of wellness programs and activities ranging
from fitness programs to smoking cessation support to
discounts on services.
Look into programs based on your interests and needs from
this sample of options. The complete list is available
through the plan and on the Employee Benefits website at
www.umn.edu/benefits/retirees.wellness.
Blue Cross Blue Shield of Minnesota: U of M
Retiree Plan - Plan 1 and Group Platinum Blue
Plan C - Plan 2
• Fitness discount program with participating fitness centers
Retirees under age 65–Continued from Page 1
• 24-hour Nurse Advice Line If your coverage level is Retiree and Spouse with or
without Children, you’ll save $600 on your 2016 medical
rates when you earn 600 points.
• Stop-Smoking Support
• Discounts for Weight Watchers, eyeglasses, and more
HealthPartners Freedom and HealthPartners
Retiree National Choice Plans 1 & 2
To achieve the new reductions, you will find increases in the
number of points for some existing activities, along with
new activities.
• Fitness club membership at most major clubs for just
$25 per year
Increase in points awarded
• Free 24/7 access to CareLine nurse line and virtuwell.com
We recommend you first take the wellness assessment,
and then take the biometric health screening. Each of those
activities has increased to 150 points. That’s 300 points
right there. And if you have your spouse covered, he or she
can take the wellness assessment and also earn 150 points.
Spouses will be able to earn a total of 200 points.
• Free stop smoking program
• Healthy discounts on eye wear, hearing aids, and much more
Medica Group Prime Solution Plans 1 & 2
• Partnered fitness program provides a health club
membership for an annual fee of $25
The programs that support you in managing your health—
health coaching for lifestyle change, condition management
health coaching, face-to-face health coaching, and the
tobacco cessation program—have all increased by 50 points.
• Personal Health Advocate to navigate the healthcare
system and provide access to nurses 24/7
• Free tobacco treatment program to help quit the use of
all forms of tobacco
Friendlier online experience
UCare for Seniors Plans 1 & 2
StayWell launched a new website on October 1 that is easier
to navigate and will be mobile friendly. The StayWell site is
accessible from the University’s website—wellness.umn.edu.
• Silver Sneakers Fitness Program provides fully paid
membership to health clubs including YMCA, Snap
Fitness, Anytime Fitness
• Health Connections—24-Hour Nurse Line, Community
Education Class reimbursement, My Health Decisions
Online Tool
The University is an equal opportunity educator and employer. Alternate
print format of this newsletter is available upon request. Please call the
Office of Human Resources, Employee Benefits at 612-624-8647 or
800-756-2363. © 2014 Regents of the University of Minnesota.
All rights reserved.
• Quit Smoking, plus Disease and Case Management
Programs
4