What's New or Changing

What’s New or Changing for 2020?

Cost Drivers and Key Considerations:

  1. Medical benefits continue to be the primary controllable cost among all benefit offerings.
  2. Market trend for the University‘s medical expenditures is lagging the market average of 7.2% while the university pharmacy spend is at the market average of 11.0%.
  3. Based on these market trends and the past plan design changes, a $1.2 million inflation cost increase is expected for 2020.  The University has decided to absorb this increase.  Employee premiums will not change.   
  4. Premiums will continue to be targeted at 20% average employee cost share.  However, the average employee cost share for 2019 medical plans was 19.5% and since the University is absorbing next year’s expected increase, the average employee cost share for 2020 is further reduced to 18.6%.  
  5. As continued to be seen in the marketplace, a significant increase in pharmacy is expected to continue and is influenced by expansion and usage of specialty drugs.
  6. Medical expenditures for spouses continue to exceed the medical costs for employees; therefore the spouse added fee will be continued in 2020 with plans for reevaluation during 2020.

Healthcare Plan Design Changes

The 2020 plan design for medical, dental and vision plans will not change from the current 2019 plans.

Anthem’s offering of LiveHealth Online

LiveHealth Online brings a doctor to you!  You can see a doctor via your smart phone, tablet or computer to get the advice, treatment and/or prescription you need.  More important, you can fit the visit within your busy schedule and you choose the location. 

Anthem is increasing the LiveHealth online visit to $59 ($10 increase) effective January 1, 2020.  PPO 80/20 participants will continue to pay the $20 Physicians copay. To learn more about LiveHealth Online CLICK HERE.

Solera

As previously announced, there is a new benefit available through Wright State’s medical plan.  Anthem has partnered with Solera to offer a Pre-Diabetes Prevention Program to eligible members.  This innovative program is designed to help participants lose weight, adopt healthy habits and reduce the risk of developing type 2 diabetes. 

Simply take a one-minute quiz to learn your risk for pre-diabetes; if you qualify you can be matched with a program that best fits your preferences. You may choose from various online and local program options. Covered spouses and dependents over 18 can also take advantage of this opportunity.  Best of all, it’s available at no cost. If you enroll and complete four weeks, you’ll get a Fitbit® activity tracker at no additional cost to you.

To see if you qualify, simply take the one-minute quiz at http://solera4me.com/WSU or call (844) 206-3728 between 9 a.m. and 9 p.m. ET.

If you have any questions about this program, please contact Solera at (844) 206-3728.

Health Management Initiative

Wright State Human Resources launched a new Health Management Initiative (HMI).  This voluntary initiative was designed to raise health awareness, increase detection of cardiovascular disease and diabetes, and encourage employees to begin and/or continue to make healthier lifestyle choices.

Participants were asked to complete a biometric screening at one of the on-campus event and the Health Risk Assessment during September and October 2019.  Those who completed the two steps will receive a $300 employer contribution into either a Healthcare Flexible Spending Account (FSA) or Health Savings Account (HSA), if employed and enrolled in a Wright State medical plan (as the policyholder) on January 31, 2020.  The payment will be posted in February 2020.  

Flexible Spending Accounts (FSA)

Wright State offers two Flexible Spending Accounts (FSA):  Healthcare and Dependent Care.  A FSA allows you to set aside money out of your paycheck to pay for eligible expenses on a pre-tax basis (exempt from federal and state taxes.) 

Benefit eligible employees who are enrolled in the PPO 80/20 plan or who have waived medical coverage can participate in the Healthcare FSA and all benefit eligible employees are eligible for the Dependent Care FSA. 

NEW for 2020:  Introducing the FSA Flex Debit Card

Beginning January 1, 2020, those who are enrolled in either FSA will receive a Flex Debit Card to use for healthcare and/or dependent care expenditures.  You will no longer always have to pay upfront as long as your healthcare provider and/or daycare provider accepts FSA Flex Debit Cards.  Please know, there is a special coding processing that is required of the vendor for usage of this card. For example, doctor offices, pharmacists, hospitals will more than likely accept your Flex Debit Card; however, purchasing  over the counter products at your local corner store or purchasing daycare from a church might not have the required coding, thus at times, you may need to pay via cash or check and request reimbursement.  In addition, there will be times that even when the FSA debit card is used, you still may be required to substantiate the payment. 

Please visit on vendor’s website for more detail of the usage of the FSA Flex Debit Card:

www.mycafeteriaplan.com

The IRS has not released the 2020 limits for Healthcare FSA or the Dependent Care FSA. Therefore at this time the limits remain $2,700 for Healthcare FSA and $5,000 for Dependent Care FSA ($2,500 for married filing separate.) 

Also new for 2020, participants in the Health Management Initiative will receive a Wright State University contribution of $300 to their FSA Healthcare account in February 2020.  This payment will be made regardless of whether you personally contribute to an account.  This $300 contribution is in addition to the allowed IRS employee limit of $2,700. 

IRS increased Health Savings Account (HSA) Contribution Limits

The IRS issued the 2020 annual contribution limits listed below, increasing the single coverage by $50 and family coverage by $100.

  • $3,550 for single coverage
  • $7,100 for family coverage
  • $1,000 additional for HSA catch-up contributions (age 55 or older)

The Wright State University contribution to the Health Savings Account for 2020 will be paid in two semi-annual deposits:

 Wright State University’s HSA Contribution

     Staff & Non-Bargaining Unit Faculty

Coverage

January 3

July 3

Total

     Employee

$250

$250

$500

     Employee + child(ren)

$500

$500

$1,000

     Employee + spouse

$500

$500

$1,000

     Employee + family

$500

$500

$1,000

According to the IRS, it is your personal responsibility to ensure that you do not exceed these HSA contribution limits.  You can determine your total HSA contributions by adding the following:

  • Wright State University contributions noted above, and
  • $300 Health Management Initiative in February 2020 (if participated), and
  • Your personal paycheck contributions

Employee Premium Cost-Share

For 2018, we moved to a 20% employee cost-share for premiums.  For 2019, we wanted to minimize the premium increase to employees and therefore it was decided to establish the employee cost-share at 19.5%.

Once again, for 2020, the university has decided to absorb the expected $1.2M additional costs and therefore, the employee cost share will be further reduced to 18.6%.  Employee Share of premiums will be unchanged from 2019.

Our goal for the future remains to be as close as possible to the 20% employee cost-share.

Medical Premiums

The premium structure continues to be a 4-step process:

  1. Horan Associates, our benefit consultant, provided the following total cost projections: 

Coverage

Ratio

PPO 80/20

 HDHP

  Employee

1.0x

    $638

   $558

  Employee + child(ren)

1.8x

 $1,148

$1,004

  Employee + spouse

2.2x

 $1,404

$1,226

  Employee + family

3.0x

 $1,914

$1,674

  1. These total costs were multiplied by 18.6% to obtain the employee cost share: 

Coverage

Ratio

PPO 80/20

 HDHP

  Employee

1.0x

 $118

  $104

  Employee + child(ren)

1.8x

 $214

 $188

  Employee + spouse

2.2x

 $262

 $228

  Employee + family

3.0x

 $356

 $312

  1. The three tier structure reflects salary levels that provide an equal distribution of employees among the tiers. 

Tier 1

Tier 2

Tier 3

< $47,000

$47,000 - $75,000

> $75,000

1/3 employees

1/3 employees

1/3 employees

  1. The premiums for Tier 2 represents the 18.6% cost share noted in Step 2 above.  The discount value for Tier 1 equals the additional percentage assigned to Tier 3. Consistent with the 1/3 guidance in Step 3, we established Tier 1 to represents 67% of Tier 2 premiums (a 33% decrease) and Tier 3 to represent 133% of Tier 2 (33% increase).

Tier 1

Tier 2

Tier 3

< $47,000

$47,000 - $75,000

>$75,000

67%

100%

133%

The resulting monthly medical premiums for 2019 are as follows:

Plan

Coverage

< $47,000

$47,000 - $75,000

> $75,000

PPO 80/20

 Employee

  $80

$118

$158

 Employee + child(ren)

$144

$214

$286

 Employee + spouse

$176

$262

$348

 Employee + family

$240

$356

$472

 

 

 

 

 

HDHP

 Employee

  $70

 $104

$138

 Employee + child(ren)

$126

$188

$250

 Employee + spouse

$154

$228

$302

 Employee + family

$210

$312

$416

  1. The spousal added fee listed separately will be in addition to the premiums listed in chart above.  If the trend reverses and our costs for spouses become more aligned with employees, the added fee will be re-evaluated.       

Salary Tier

< $47,000

$47,000 - $75,000

> $75,000

Medical Spousal Added Fee*

$32

$50

$68

         

 
Dental and Vision Premiums

The dental and vision premiums were developed similar to the medical premiums with the total cost spread over the four coverage levels utilizing the same relationship ratio.  The 20% employee cost share was applied to the total costs.  These premiums will remain one tier.

Premiums for 2020 remain unchanged from 2019.

Coverage

Ratio

Delta Dental of Ohio

 Vision Service Plan (VSP)

  Employee

1.0x

   $7.40

 $1.60

  Employee + child(ren)

1.8x

 $13.32

 $2.88

  Employee + spouse

2.2x

 $16.28

 $3.52

  Employee + family

3.0x

 $22.20

 $4.80

Anthem Engage

Anthem Engage, a digital tool for a personalized member experience connects your selected health plan and benefits data with individual clinical and claims data. Engage will assist you with making improved cost and quality decisions when accessing care. 

  • Save on the care you need. Find doctors, hospitals, medical services, and prescriptions. Compare them by cost and quality.
  • Understand your plan. See simple descriptions of your medical plan and what’s covered.
  • Review past expenses. Learn where you are in your deductible phase and how much you paid and why, so you can plan for the year ahead.
  • Make smart choices. Receive personalized recommendations based on your past care and in-network options.
  • View and print your Anthem Cards

Participation:

  • 50% of our benefit eligible employees are enrolled
  • 4893 online searches were performed

To start using Anthem Engage CLICK HERE or to download the mobile app CLICK HERE.

Anthem Engage is provided free of charge for adults enrolled in a Wright State medical plan.

New Anthem Medical Cards

Your current Anthem Medical Cards will continue to be used in 2020.

For this enrollment, new Anthem Medical Cards will only be mailed to your home address if the following occurs:

  • Employees who are new to one of the plans; either switching or adding coverage.
  • Addition of a spouse or dependent(s)

If at any time you need a replacement for your Anthem insurance cards, you can personally access your card via the following: 

  • You can access a copy of your card at www.anthem.com.  You can either print or request replacement cards be mailed to your home.
  • You can access a copy of your card via Anthem Engage.

UNUM, our Disability vendor will also be our Life Insurance Vendor Effective January 1, 2020

As communicated in an email dated October 22, 2019; UNUM will become both Wright State’s Disability and Life Insurance vendor effective January 1, 2020.  This change is the result of an IUC bid process that resulted in 13 of the 14 public universities in Ohio continuing with the selected vendors.  In general, plan design will remain unchanged however there are administration changes that require actions by benefit eligible employees (75% FTE or higher) during this open enrollment.

  • All life insurance eligible employees will be required to designate their beneficiaries effective January 1, 2020 for the Wright State provided Basic Life/AD&D and if applicable, Supplemental Term Life. 
    • If the beneficiary from is not returned, all existing beneficiary designations will be void as of December 31, 2019 and the default will be your estate
  • Dependent Life coverage for spouse and/or children is currently bundled, will be offered separately.  Therefore, you can now select spouse or children coverage independent of each other, or you can continue to select both.  If you continue both, your current premiums will remain the same as 2019.  Should you elect spouse only or children only, you will see a decrease in your premiums. 
    • With this change however, everyone must re-enroll by submitting a new UNUM Life Insurance Form.
  • Supplemental Term Life premiums remain the same as 2019.
    • Will need to complete the new UNUM Life Insurance Form to designate beneficiaries.
  • Since UNUM does not offer a GUL product, the current Securian GUL is being terminated as of December 31, 2019 and will be replaced with UNUM Term Life.  Securian will be offering you the opportunity to switch this coverage to an individual policy.  You will however need to inform Human Resources as to whether or not you wish to accept the Term Life coverage beginning January 1, 2020 by completing the UNUM Life Insurance Form.
  • Life Insurance can be added or terminated during open enrollment.  For this year, UNUM is waiving the Evidence of Insurability (EOI) requirement for supplemental Term Life if the total coverage is below $200,000.  In future years, you will be required to submit EOI to add supplemental Term Life.
  • Current enrollees in the Short-Term Disability benefit will see a significant lower premium in 2020.  As always during Open Enrollment, there is the option to elect or terminate your Short-Term Disability coverage.  If continuing, no action required.

Reminder: $50 Late Enrollment Fee

Wright State University believes it’s important for each employee to take the time to understand their healthcare options so they can select the coverage that best suits their needs and their budget.

Regardless of current coverage or if waived coverage, you must take action online via Wings Express to continue, change, enroll or waive your 2020 healthcare coverage during the October 30th  through November 13th open enrollment. 

A $50 late enrollment fee, will be charged for anyone failing to take action.  This late fee will be deducted from your January 2020 paycheck.