Benefits Orientation

Office of Human ResourcesRendleman Hall, Room 3210650-2190

Benefits Staff

HR Director – Sherrie Senkfor Associate Director – Jayne Markus Benefits Mgr – Debbie Bayne Benefits Counselors

Tayanna Crowder Summer Murphy

General Information Home Address (Banner Self Service)

Pay Schedules – Prorate pay Earnings Statement (Banner Self Service)

Check Distribution Direct Deposit Check mailed to home address

Tuition Waivers

Quality Care Health Plan

Medical Indemnity Plan administered by Cigna

Members may use doctor of choice No plan year or lifetime maximums 6 month preexisting condition clause

(may be waived with certificate of creditable coverage)

Quality Care Health Plan (cont’d)

Precertification required for inpatient care and some outpatient services, $800 penalty on claim if precert is not done

QCHP Network (physicians & hospitals) http://provider.healthcare.cigna.com/soi.

html or call (800) 962-0051

Quality Care Health Plan (cont’d)

Plan year (July 1 –June 30) deductible ranges from $300 - $450 based on salary; Dependents deductible is $300; Family cap ranges from $750 - $1125

General out-of-pocket maximum $1200 per individual, $3000 per

family per plan year

Quality Care Health Plan (cont’d)

Non-QCHP Hospital Maximum $4400 per individual, $8800 per family

per plan year

$400 Emergency Room Deductible $50 Hospital Deductible $300 Non-QCHP Hospital Deductible $100 Transplant Deductible

Quality Care Health Plan (cont’d)

RX Program through MedCo $75 rx deductible per individual per yr $11 co-pay Generic $26 co-pay Formulary Brand $52 co-pay Non-formulary Brand Maintenance Medications must be

obtained through Maintenance Network Pharmacy, www.benefitschoice.il.gov

Quality Care Health Plan (cont’d)

Preventative Services – Not subject to annual deductible (see Benefits Handbook for details)

Quality Care Health PlanMember Monthly Costs

EmployeeAnnual BaseSalary

$29,800 & Below $72.00

$29,801 - $45,000 $77.00

$45,001 – $59,900 $79.50

$59,901 - $74,900 $82.00

$74,901 & Above $84.50

Quality Care Health PlanMonthly Costs (cont’d)

Dependent Costs 1 Dependent - $196.00 2 or more dependents - $226.00

HMO Coverage

No plan year or lifetime maximums No preexisting conditions clause Must use network doctors and

hospitals. No benefit if not in network.

$275 Inpatient co-pay $175 Outpatient surgery co-pay $200 Emergency co-pay

HMO Coverage (cont’d) $15 Office Visit co-pay for Primary Referrals are needed to see specialist

$20 co-pay for office visit RX through network pharmacies

$10 co-pay for Generic $24 co-pay for Preferred Brand $48 co-pay for Non-Preferred Brand $50 rx deductible per individual per yr

Monthly costs vary according to HMO chosen (see Benefits Choice Booklet)

HealthLink Open Access (OAP)

No preexisting conditions clause Physicians List at www.healthlink.com Offers 3 benefits levels

Tier I HMO Tier II PPO Tier III Out-of-Network Level of Benefits determined by

Healthcare Provider chosen Access to all three levels

HealthLink Open Access (cont’d)

No Plan year or Lifetime maximums under Tier I and Tier II

$1,000,000 Plan year and Lifetime maximum on Tier III

No Referrals needed to see specialist Tier I is generally 100% coverage

after a co-pay amount according to service, if any

HealthLink OAP (cont’d)

Tier I Co-pays $15 office visit co-pay $20 specialist office visit co-pay $275 inpatient co-pay $200 emergency room co-pay $175 outpatient surgery co-pay

HealthLink Open Access (cont’d)

Tier II is generally 90% coverage after a $200 deductible and co-pay (if applicable) according to type of service

$325 inpatient admission co-pay $200 emergency room co-pay $175 outpatient surgery co-pay

HealthLink Open Access (cont’d)

Tier III is generally 80% coverage after a $300 deductible and co-pay (if applicable) according to type of service

$425 inpatient admission co-pay $200 emergency room co-pay $175 outpatient surgery co-pay

HealthLink Open AccessMember Monthly Costs

EmployeeAnnual BaseSalary

$29,800 & below $47.00

$29,801 - $45,000 $52.00

$45,001 - $59,900 $54.50

$59,901 - $74,900 $57.00

$74,901 & above $59.50

HealthLink Open AccessMonthly costs (cont’d)

Dependent costs 1 Dependent $105.00 2 or more dependents $149.00

RX through network pharmacies $10 co-pay for Generic $24 co-pay for Preferred Brand $48 co-pay for Non-Preferred Brand $50 rx deductible per individual per yr

Dental Coverage

Administered by CompBenefits Member may use dentist of choice $125 individual deductible for non-

preventative services Maximum Plan Year Benefits of $2500

per person May opt out of dental plan as new

employee and at Benefits Choice

Dental Coverage (cont’d)

$2000 Lifetime Maximum for child orthodontics

Schedule of Benefits at www.benefitschoice.il.gov

Monthly Costs Member Only $11.00 Member + 1 Dependent $17.00 Member + 2 or more dependents $19.50

Vision Coverage

Administered by EyeMed Coverage for Network and Out-of-

Network doctors Check www.eyemedvisioncare.com

Doctor Network and benefit eligibility Eligible for exam every 12 months,

payment on glasses or contacts every 24 months

Life Insurance Coverage

Administered by Minnesota Life State Paid Basic Coverage is equal to

basic annual salary (12 months if fiscal, 9 months if academic)

Option to purchase additional units based on age and amount

Automatic issue for 4x as new employee evidence of insurability required for 5x up to 8X

Life Insurance (cont’d)

Accidental Death or Dismemberment Spouse Life

$10,000 $6.94 per month

Child Life $10,000 $.52 per month regardless of the number

of children

Other Benefit Programs

Flexible Spending Dependent Care, $5,000 per year Medical Care, $5,000 per year

Supplemental Retirement Programs Deferred Compensation (457) Tax Deferred Annuity (403b)

Long Term Disability – Prudential Supplemental Life – ING ReliaStar

Other Benefit Programs (cont’d) Savings Bonds 6 Month Pass to Student Fitness Center

In Welcome Packet from VC for Student Affairs Colonial Life Insurance

Cancer Insurance, Critical Illness, Spouse Disability, Accidental Insurance

Premiums are collected August thru May

General Insurance Information Opt Out Option

Enables members with proof of other major medical coverage to elect not to participate in the health, dental and vision coverage

Part-time employees may waive health, dental and vision coverage

Benefits Choice Period May 1-31 of every year, tax exempt

premiums

General Insurance Info (cont’d)

Summer Premiums Continuing/permanent employees who

do not have a summer contract or are off during the summer will be billed by CMS

Term employees verified as having a fall contract will be billed by CMS

Voluntary deductions will be taken as a lump sum upon return to work

General Insurance Info (cont’d)

Dependent Eligibility – documentation Spouses – copy of marriage certificate Children

Birth to 18 – copy of birth certificate 19 to 23 – Verification of full time student at

accredited school, copy of birth certificate

General Insurance Info (cont’d) Step Children Must reside with member in parent-child

relationship at least 50% of the time and member must be married to child’s mother/father – Verification of residency (school records, divorce decree, tax return), birth certificate and marriage certificate

General Insurance Info (cont’d)

Adult Child – not eligible for life insurance options Sponsored Adult Child – not a student, not attending

school full-time, handicapped, or student military extension dependent (ages 19-25)

Veteran Adult Child – have served as a member of the active or reserve branches of Armed Forces (ages 19-29)

Student Medical Leave of Absence – student between ages of 19-23 who is on medical leave due to catastrophic illness/injury (can last for 12 months or when child turns 23)

General Insurance Info (cont’d) Domestic Partner (same sex)

Effective July 1, 2006, unrelated, same-sex individuals who reside in the same household and have a financial and emotional interdependence, consistent with that of a married couple for a period of not less than one year and continue to maintain such arrangement are eligible for medical, dental and vision benefits through the State of Illinois

Benefits Enrollment Deadlines

Long Term Disability 31 Calendar days after employment

Retirement Plan Choice Election is irrevocable; must be chosen

within 6 months of employment; election form is returned to SURS; if choosing self manage plan, employers dollars do not go into account until plan is chosen

Flexible Spending Accounts 60 calendar days after employment

Benefits Enrollment Deadlines

Tax Deferred Annuities No deadline, paperwork in month before

Deferred Compensation No deadline, paperwork in month before www.benefitschoice.il.gov

Cancer/Critical Illness 30 days after employment