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2015 Open Enrollment - Administrators & Faculty

2015 Benefits Open Enrollment

 

Please review the enclosed information, and select the benefits most appropriate for you.  Changes made during the 2015 Open Enrollment period become effective January 1, 2015.  You must submit your online enrollment no later than November 21st, 2014. Failure to meet this deadline will result in a default to your current elections for 2014, with the exception of your Flexible Spending Account (FSA).  You can access the enrollment portal at https://portal.adp.com

Oxford Health

During Open Enrollment you have an opportunity to switch between Oxford Plan A and Plan B, and/or add eligible dependents.

New York State provisions allow for coverage of a dependent child through age 29.  In order to include dependents older than age 26 the employee will pay the full cost at the individual rate of $814.56 for Plan A or $982.44 for Plan B.  If you have questions or need additional information about extended coverage, please contact the Office of Human Resources.  Employee/College monthly contributions for 2015 are as follows:

Plan A

 

Salary Band

<$50,000

Salary Band

$50,000 to $74,999

Salary Band

$75,000 to $99,999

Salary Band

$100,000 to $124,999

Salary Band

≥ $125,000

Total Monthly Premium

 

Employee Cost/College Cost

Employee Cost/College Cost

Employee Cost/College Cost

Employee Cost/College Cost

Employee Cost/College Cost

 

E*

$34.41/$780.15

$40.14/$774.42

$51.61/$762.95

$63.08/$751.48

$74.55/$740.01

$814.56

E+1*

$166.31/$1,405.78

$189.25/$1,382.84

$246.59/$1,325.50

$286.74/$1,285.35

$332.62/$1,239.47

$1,572.09

E+>1*

$298.21/$2,161.74

$349.82/$2,110.13

$407.17/$2,052.78

$498.92/$1,961.03

$573.48/$1,886.47

$2,459.95

E*= employee only;    E+1* = employee plus one dependent;    E+>1* = Family coverage

Plan B

 

Salary Band

<$50,000

Salary Band

$50,000 to $74,999

Salary Band

$75,000 to $99,999

Salary Band

$100,000 to $124,999

Salary Band

≥ $125,000

Total Monthly Premium

 

Employee Cost/College Cost

Employee Cost/College Cost

Employee Cost/College Cost

Employee Cost/College Cost

Employee Cost/College Cost

 

E*

$202.29/$780.15

$208.02/$774.42

$219.49/$762.95

$230.96/$751.48

$242.43/$740.01

$982.44

E+1*

$490.32/$1,405.78

$513.26/$1,382.84

$570.60/$1,325.50

$610.75/$1,285.35

$656.62/$1,239.48

$1,896.10

E+>1*

$805.21/$2,161.75

$856.82/$2,110.14

$914.17/$2,052.79

$1,005.93/$1,961.03

$1,080.48/$1,886.48

$2,966.96

 

E*= employee only;    E+1* = employee plus one dependent;    E+>1* = Family coverage

Contributions made toward your Oxford insurance will be deducted from your pay, pre-tax, on a monthly basis.  (Please note: IRS regulations do not allow a pre-tax payroll deduction for domestic partner coverage).

Opt-Out Provision

Employees may waive Oxford coverage by indicating “Waive” in the online enrollment system.  Please note that you must submit satisfactory proof of coverage under another health insurance plan.  Employees who waive coverage may terminate the waiver and elect the College’s coverage if there is a life status change that results in the loss of their current health coverage.  Please keep in mind that you have 31 days to notify Human Resources should this occur.

Enrollment

An election must be made only if you wish a change in coverage.  If you don’t wish to change, your Oxford current coverage will remain and your monthly deductions for medical will automatically adjust based on your salary.   Online enrollment must be submitted by no later than Friday, November 21, 2014.

Aetna Dental

During Open Enrollment you have the opportunity to enroll or dis-enroll from dental coverage.  At this time, participants may also add eligible dependents to their existing plan.

To enroll or make changes to your dental coverage, please log into the online enrollment system.  You will be able to add or remove dependents, enroll, or remove coverage.

Dental Plan Cost

The 2015 employee monthly contributions are as follows:

  • Individual Coverage:       $ 17.29
  • Family Coverage:            $ 46.71 (applies to employee+1, as well as to Employee+ Family)

Important Information about the Aetna Dental Plan

The plan includes Dental Maintenance Organization (DMO) and Preferred Provider Organization (PPO), which also provides access to out-of-network dentists.  While an out-of-network benefit (similar to an indemnity option) is available, the greatest out-of-pocket savings will result if dentists in either the DMO or the PPO networks are used.

Participants may switch between the DMO and the PPO options on a monthly basis.  You may switch back and forth between the DMO and the PPO by calling Aetna customer service by the 15th of any month.  The change of option will become effective the first of the following month following your call.

Information regarding the dental plan is available in the Office of Human Resources.

Late Entry/Opt-Out Provision

 Please be aware that there is a late entry penalty for Aetna dental plans.  Aetna defines a late entrant as an employee who does not enroll when initially eligible as new employee.

If you chose not to participate when you are eligible or if you cancel your coverage now, enrollment is allowed only during the open enrollment period, and you will be subject to a late entry penalty.  Those penalties are detailed on the Dental Insurance Waiver form available in the Office of Human Resources.  Please also indicate on dental section of the online enrollment system “Waive Coverage.”

Enrollment

To enroll or change your plan option, please log on to the online enrollment system.  If you do not wish to change, your Aetna Dental coverage will remain current through the end of the calendar year and into 2015.  Online enrollment must be submitted by no later than Friday, November 21, 2014.

Vision Plan

The Vision Plan, through EyeMed, provides coverage for your eye care needs including eye exams, Retinal Imaging, an allowance for frames, 100% coverage for eyeglass lenses, and an allowance for contacts.  The Vision Plan covers eye exams once per year at 100% with no co-pay; up to 100% for eyeglasses or contact lenses once a year.  Non-network coverage is available on a limited basis. 

Vision Plan Cost

The 2015 employee monthly contributions are as follows:

                Employee Only:                $ 9.95

                Employee + 1:                   $18.91

                Employee + Family:         $27.77

Enrollment

To participate in the Vision Plan, please complete your online enrollment by indicating your selection for the Vision Plan.  To enroll an eligible dependent, please enter your dependent’s information in the Health & Welfare enrollment system.  Your online enrollment must be submitted no later than Friday, November 21, 2014.

If you do not wish to participate in the Vision Plan, please indicate “Waive” in the Vision Plan enrollment section of the online enrollment system. 

Flexible Spending Accounts

The Barnard College Flexible Spending Accounts are benefit programs which enable you to reduce taxes by paying for your unreimbursed health and/or dependent care expenses with pre-tax income.

Annual maximums are set up by the IRS.  For 2015, the following maximums apply:

                Health Care Flexible Spending Account               $2,500 per individual

                Dependent Care Flexible Spending Account        $5,000 per household

In order to participate for the 2015 calendar year, you must enroll online the deadline, Friday, November 21, 2014.

Last year on October 31, 2013, the IRS announced a major policy change affecting the Healthcare FSA.  The IRS has modified the “use-it-or-lose-it” provision and now allows plan participants to roll over up to $500 of unused funds.   As a result of this change, balances up to a maximum of $500 in unused funds will automatically be rolled over in the next plan year.  For example, if you roll over $500 from 2014 and contribute $2,500 in 2015, then $3,000 of pre-tax funds will be available for eligible medical expenses.  Such expenses must be incurred during the calendar year in which they are carried over.  Participants must be active in the FSA on the last day of the calendar year for the funds to be rolled over into the next calendar year.   This policy change only affects the Healthcare FSA and not the Dependent Care FSA.

Once the plan year begins, you may change the amount of your Flexible Spending Account contributions only if there is a change in your family status – marriage, death, divorce, birth or adoption of a child – or a change in a spouse’s employment status.  This change must occur within 31 days of the qualifying event.  Otherwise, y our election may not be changed during the year.

Employee Assistance Program

We encourage your participation in this program and take advantage of the available resources provided.  The Employee Assistance Program provides short term counseling for your and your family, Work/Life Services, Legal and Financial Services. 

You are automatically enrolled and can access the EAP any time.  Your enrollment is at no cost.  Enclosed is a flyer that provides additional information on this program.