In preparation for the anticipated compliance elements of the Affordable Care Act, all benefit eligible employees must re-enroll or waive medical, dental, and vision coverage for 2014. It is imperative that you enroll for the options best suited to you and/or your family needs; you must take action.
Please note: If your spouse or domestic partner is a benefit eligible Wright State employee, both of you must either enroll and/or waive coverage through the online enrollment.
Online Enrollment-Paperless! Green!
To streamline Open Enrollment, we have moved to a paperless process! All benefit eligible employees must log on to WINGS Express to elect or waive their 2014 healthcare benefits. The online enrollment site will be available from October 23 to November 19, 2013.
Several tools are available to assist you through the online enrollment process::
- Elections Summary Checklist (PDF)
- Detailed instructions: Bargaining Unit Faculty (PDF) / Staff and Non-Bargaining Unit Faculty (PDF)
- Training videos, and
- Designated computer labs to assist you with entering your elections (refer to Timeline, Presentations and Vendor Contact Section of Open Enrollment)
Online Enrollment is a five-step process:
- Review and/or print your current year elections
- Update spouse and/or dependents (add, change, or delete)
- Enroll or waive coverage for Medical, Dental, Vision, Health Savings Account (HSA), and Flexible Spending Accounts; indicate older adult children, ages 26—28, and/or domestic partner relationships
- Assign coverage to spouse and/or dependents
- Confirm elections and print 2014 benefit election summary
Paperwork is required only for the following:
- No action is necessary to continue your existing Short-Term Disability and Supplemental Life Insurance benefits. However, paperwork is required to enroll, drop, increase, or decrease your existing coverage. Please contact HR for appropriate paperwork.
- First-time enrollee in the HDHP.
- Adding of a new older adult child (Ages 26-28), and
- Establishing a new domestic partner relationship.
Express Scripts will continue as the Pharmacy mail order processor in 2014. However, please note, there will be a Formulary change for the HMO and PPO plans from the Ohio Shared Services, RxOC (Express Scripts Formulary), to Anthem (Wellpoint Formulary).
The Anthem formulary is currently being utilized by HDHP participants.
What does this mean?
- Pharmacy benefit co-pays will not change. The coverage is now listed on the Anthem Plan Summaries.
- For 2014, your Pharmacy co-pays will not accumulate towards the deductibles or the out-of-pocket maximums.
- Effective January 1, access to your pharmacy online mail orders will be made on Anthem.com by selecting Pharmacy.
- Express Scripts will transfer all unfilled prescriptions to the new website; new prescriptions will not be necessary.
- Effective January 1, 2014, you will no longer need an Express Scripts insurance card. Instead, you will use your Anthem medical insurance card when filling prescriptions at a retail pharmacy.
- Note: mail ordering in late December will be processed in the year Express Scripts completes their processing and mails your prescription, not according to the day you order. If you desire processing in 2013, and if possible, please be sure to process before the holidays.
- If you do process an order late in December, it will be processed via the new site even if entered on the old site.
- Due to this change, Wright State has performed significant due diligence with Anthem and believes almost all drugs currently being utilized by our employees will still be available under the new formulary.
- However, there is the potential for drugs to move between Brand name ”Formulary” and “Non-Formulary.”
- Anthem will be on-site at the Benefit Open Enrollment meetings to discuss any drug concerns you might have.
Medical Plan Offerings (Staff & Non-Bargaining Unit Faculty)
You have a choice of three Anthem medical plans for 2014: PPO 90/10, PPO 80/20, and HDHP and are offered in the spirit of the following guiding principles:
- Offer competitive healthcare benefits to retain and recruit top talent
- Promote behaviors that will support a healthy workforce through wellness initiatives
- Ensure that healthcare benefits are affordable and accessible to all eligible employees
- Manage the university’s healthcare costs in an effective manner that aligns with industry standards and best practices
Like the HDHP, these new PPO plans include 100% coverage for preventive services and include out-of-network benefits. In addition to promoting consumerism, the plans offer competitive co-pays, deductibles, co-insurance, and out-of-pocket maximums.
Co-pays do not apply toward the deductible. However, co-pays do apply to the out-of-pocket maximums. Pharmacy co-pays do not apply to deductibles or out-of-pocket maximums.
For more details, please review the Anthem plan summaries, medical plan comparison chart, and summaries of coverage and benefits.
Health Savings Accounts (Staff & Non-Bargaining Faculty)
In accordance with the guiding principles of aligning our benefits with industry standards and best practice, the employer contribution to the HSA for HDHP participants will be:
- $1,250 for Employee,
- $2,400 for Employee+1, and
- $2,650 for Employee+2 or more
Health Savings Account (HSA)
IRS annual contribution limits for 2014 have increased slightly.
- $3,300 for Individual
- $6,550 for Family
- $1,000 additional for HSA catch-up contributions (age 55 or older)
According to the IRS, It is your responsibility to ensure that you do not exceed these HSA contribution limits. You can determine your total contributions to your HSA by adding the following:
- Wright State University contribution
- Your Personal contributions, and
- Anthem Healthy Rewards contributions
New Medical Insurance Cards
Watch for your new Anthem Medical ID cards for 2014 to arrive in the mail . . .
Beginning in 2014, there will no longer be a separate Express Scripts Pharmacy ID card. Instead, the pharmacy will be included on your Anthem medical ID card. For HDHP participants, this is not a change.
However, to enhance its customer service, Anthem is providing Wright State, a dedicated customer service phone number which will be located on the back of the new ID card. This phone number will be answered by 6 to 8 customer service representatives who will be trained to be familiar with our medical plans.
If you have not received your new ID card by January 1, 2014, please continue to use your old ID card until your new one is received. Your numbers included in your subscriber ID number (on the front of the card) will remain the same; although the alpha prefix could possibly change dependent upon your plan selection. Therefore your medical provider and/or pharmacy can validate with Anthem your 2014 coverage.