2002employeeOrientat ion

Group Insurance Benefitsfor New Employees: 

Group Insurance Benefits for New Employees

Your Group Insurance Benefits: 

Your Group Insurance Benefits Medical Prescription Drug Dental Vision Flexible Spending Accounts (UT FLEX) Medical Expense Dependent Care Life Insurance Personal Accident Insurance Long Term Disability Long Term Care Contact information for each Benefit Plan Administrator can be found at http://www.utsystem.edu/egi/contacts.asp#2

Where You Can Find Benefits Information: 

Where You Can Find Benefits Information EGI’s website: http://www.utsystem.edu/egi/employee “Group Insurance Guide for Employee Benefits” and other benefit publications available online Your local Benefits office and website: http://www.utsystem.edu/egi/contacts.asp

You are eligible for benefits if you:: 

You are eligible for benefits if you: Work 20 hours per week or more For a period of at least 4 ½ months Or, Are appointed for at least 50% of a standard full-time appointment

Your Eligible Family Members and Other Eligible Dependents: 

Your Eligible Family Members and Other Eligible Dependents Legally married spouse (or common-law spouse if legal Declaration of Informal Marriage has been filed with the Court) Unmarried child under age 25 An eligible dependent, 25 or older, determined to be medically incapacitated Unmarried grandchild under age 25 (for UT SELECT, parent of the grandchild must also be covered) Important: To establish the eligibility of certain dependents, you may be asked for documentation.

Period of Initial Eligibility for New Employees: 

Period of Initial Eligibility for New Employees IMPORTANT: Enroll in benefits during your 31-day period of initial eligibility

The Automatic Coverage Package: 

The Automatic Coverage Package The University of Texas System is required by state law to provide benefits-eligible employees with an automatic coverage package. This is provided at no cost to you at the “employee only” level: UT SELECT Medical Plan with Prescription Drug Coverage $10,000 Basic Life Insurance Coverage $10,000 Personal Accident Insurance Coverage For more information, see http://www.utsystem.edu/egi/employee

You can make future changes to your benefit selections only at these times:: 

You can make future changes to your benefit selections only at these times: Each year, during Annual Enrollment (in July) for the next fiscal year (Sept. 1 through Aug. 31) Within 31 days of a qualified life “status change” such as marriage or birth of a child. Be sure to contact your local benefits office http://www.utsystem.edu/egi/contacts.asp

Slide9: 

Eligibility And Enrollment: Questions And Answers 1) What are some examples of dependents who are not eligible for benefits? Answer: http://www.utsystem.edu/egi/employee/#1 2) What happens if I do not enroll during my period of initial eligibility? Answer: http://www.utsystem.edu/egi/employee/#3 3) What if I have insurance coverage through another state agency, or a public school? Answer: http://www.utsystem.edu/egi/employee/#2 4) What is Evidence of Insurability? Answer: http://www.utsystem.edu/egi/employee/faq.asp#5

The Benefit Cost Worksheet: 

The Benefit Cost Worksheet Here is a link to the Benefit Cost Worksheet. U. T. Austin and U. T. System Administration: http://www.utsystem.edu/egi/pubs/costworksheet720.pdf All other campuses: http://www.utsystem.edu/egi/pubs/costworksheet.pdf Print a hard copy and use this worksheet to help you calculate the approximate monthly premium rate for each benefit plan.

Medical Plans: 

Medical Plans

Medical Plans: 

Medical Plans 1) UT SELECT (Self-Funded PPO/Indemnity Plan) Administrative Services provided by BlueCross BlueShield of Texas Pharmacy Benefit administered by Medco Health Solutions, Inc. 2) HMO (Fully-Insured Health Maintenance Organization) Humana HMO HMO Blue

Medical Plans: Areas Where Available: 

Medical Plans: Areas Where Available UT SELECT is available in all areas, including world-wide HMO plan is available in certain areas of Texas (see link below list of areas). http://www.utsystem.edu/egi/employee/medical.asp

UT SELECT and HMOs: Comparison of Monthly Premium Rates: 

UT SELECT and HMOs: Comparison of Monthly Premium Rates The first section of the Benefit Cost Worksheet lists the monthly premium rates of each medical plan. Notice that the premium rate for “Subscriber only” (employee only) is provided at no cost to you.

UT SELECT: General Plan Description: 

UT SELECT: General Plan Description For basic information on covered benefits see http://www.utsystem.edu/egi/employee/medical.asp#1 For more details, see the UT SELECT Plan Booklet, http://www.utsystem.edu/egi/pubs/2002utselectplanbooklet.pdf

UT SELECT Prescription Drug Benefit: 

UT SELECT Prescription Drug Benefit For a description of retail pharmacy and mail-order pharmacy copayments, click here: http://www.utsystem.edu/egi/employee/medical.asp#2 To visit the website of Medco Health Solutions, Inc., click here: http://www.medcohealth.com/

HMOs: General Plan Description: 

HMOs: General Plan Description For basic information, http://www.utsystem.edu/egi/employee/medical.asp#3 For more details, see the Humana HMO Certificate of Coverage, http://www.utsystem.edu/egi/pubs/2002humanasummary.pdf For more details, see the HMO Blue Certificate of Coverage, http://www.utsystem.edu/egi/pubs/2002hmoblueplanbooklet.pdf

HMO Prescription Drug Benefit: 

HMO Prescription Drug Benefit For a description of retail pharmacy and mail-order pharmacy copayments, click here: http://www.utsystem.edu/egi/employee/medical.asp#3a

Health Plan Comparison Chart:UT SELECT and the HMO plan: 

Health Plan Comparison Chart: UT SELECT and the HMO plan See this link for a basic benefits comparison. http://www.utsystem.edu/egi/pubs/2002plancomparison.pdf

Medical Plans: Questions and Answers: 

Medical Plans: Questions and Answers 1) The UT SELECT plan has a deductible. What is a deductible? Answer: http://www.utsystem.edu/egi/employee/faq.asp#6 2)The UT SELECT plan has coinsurance. What is coinsurance? Answer: http://www.utsystem.edu/egi/employee/faq.asp#8 3) Both UT SELECT and the HMO plans have copayments. What is a copayment? Answer: http://www.utsystem.edu/egi/employee/faq.asp#7 4) How do I find out if my health care providers are in the network for a specific medical plan? Answer: http://www.utsystem.edu/egi/employee/faq.asp#9 5) If I enroll in an HMO, will I be covered if I have an emergency while traveling outside the service area? Answer: http://www.utsystem.edu/egi/employee/faq.asp#10

For more details about your medical plans . . .: 

For more details about your medical plans . . . UT SELECT http://www.bcbstx.com/ut/ (866) 882-2034 Humana HMO http://ut.humana.com (866) 394-6648 HMO Blue http://www.bcbstx.com/ut/ (888) 322-2379

Dental Plans: 

Dental Plans

Dental Plans: 

Dental Plans UT DENTAL SELECT (A self-funded Dental plan administered by Delta Dental) http://www.utsystem.edu/egi/employee/dental.asp#1 For more details, see the UT DENTAL SELECT Plan Booklet, http://www.utsystem.edu/egi/pubs/2002deltaplanbooklet.pdf Dental Health Maintenance Organization (Offered by Fortis Benefits) http://www.utsystem.edu/egi/employee/dental.asp#2 For more details, see the Fortis Dental booklet, http://www.utsystem.edu/egi/pubs/2002fortisplanbooklet.pdf If you would like dental coverage, you have the option to select one of these plans:

Dental Plans: Comparison of Monthly Premium Costs: 

Dental Plans: Comparison of Monthly Premium Costs See the Benefits Cost Worksheet, page 1.

Dental Plans: Questions and Answers: 

Dental Plans: Questions and Answers If I enroll in the Fortis Dental HMO plan, do I have to select a primary dentist? ANSWER: http://www.utsystem.edu/egi/employee/faq.asp#11

Vision Plan: 

Vision Plan

Vision Plan: 

Vision Plan Optional benefit Offered by Superior Vision Available in all areas For basic plan description see http://www.utsystem.edu/egi/employee/vision.asp For more details, see the Superior Vision brochure, http://www.utsystem.edu/egi/pubs/2002svpbrochure.pdf

Vision Plan: Monthly Premium Rates: 

Vision Plan: Monthly Premium Rates See the Benefits Cost Worksheet, bottom of page 1.

Vision Plan: Questions and Answers: 

Vision Plan: Questions and Answers 1) Why can’t I get both eyeglasses and contacts under the Superior Vision Plan? Answer: http://www.utsystem.edu/egi/employee/faq.asp#12 2) Are refractive surgery procedures covered at a discounted rate, such as radial keratotomy and LASIK surgery? Answer : http://www.utsystem.edu/egi/employee/vision.asp (see second paragraph after chart)

UT FLEX: 

UT FLEX

UT FLEX: 

UT FLEX Administered by FlexBen The Internal Revenue Code, Sec. 125, allows you to pay certain expenses on a pre-tax basis. Two Types Medical Expenses Dependent Care (such as child day care) IMPORTANT: Your UT FLEX elections must be made again during every Annual Enrollment Period.

UT FLEX: 

UT FLEX To see a general summary of this plan, click here http://www.utsystem.edu/egi/employee/flex.asp To read a more details, see the UT FLEX Flexible Spending Account booklet, http://www.utsystem.edu/egi/pubs/2002utflexplanbooklet.pdf

UT FLEX: Questions and Answers: 

UT FLEX: Questions and Answers What are some of the eligible expenses that can be reimbursed through UT FLEX? Answer: http://www.utsystem.edu/egi/employee/flex.asp#1 2) What is the meaning of “Use it or Lose it” regarding the UT FLEX plan? Answer: http://www.utsystem.edu/egi/employee/flex.asp#2

Life Insurance: 

Life Insurance

Life Insurance: 

Life Insurance This plan is available to you from CIGNA The $10,000 Basic Life Plan is offered to employees at no cost You may purchase coverage for all of your eligible dependents. For a general description of this plan, click here: http://www.utsystem.edu/egi/employee/life.asp For more details, see the CIGNA Life brochure, http://www.utsystem.edu/egi/pubs/2002lifebrochure.pdf, and the CIGNA Group Insurance Certificate, http://www.utsystem.edu/egi/pubs/2002lifecert.pdf

Life Insurance: Monthly Premium Rates: 

Life Insurance: Monthly Premium Rates See Benefit Cost Worksheet pages 2-3 to calculate your approximate monthly premium rate.

Life Insurance:Questions and Answers: 

Life Insurance: Questions and Answers What are some of the exclusions for the voluntary term life plan? Answer: http://www.utsystem.edu/egi/employee/life.asp#3 How often can I change my beneficiary from my Basic/Voluntary Term Life insurance? Answer: http://www.utsystem.edu/egi/employee/faq.asp#13

Personal Accident Insurance: 

Personal Accident Insurance

Personal Accident Insurance: 

Personal Accident Insurance Optional plan offered through CIGNA Provides coverage in the event of your accidental death and certain bodily injuries that occur as a result of a covered accident For a brief summary of this plan, click here: http://www.utsystem.edu/egi/employee/pai.asp For more details, see the CIGNA Personal Accident Certificate of Insurance, http://www.utsystem.edu/egi/pubs/2001paicert.pdf

Personal Accident Insurance: Monthly Premium Rates: 

Personal Accident Insurance: Monthly Premium Rates To calculate the approximate monthly premium rate, see page 2 of the Benefits Cost Worksheet.

Long Term Disability: 

Long Term Disability

Long Term Disability: 

Long Term Disability An optional plan offered by CNA Provides income protection if you should become disabled For a general description of this plan, click here: http://www.utsystem.edu/egi/employee/ltd.asp For more details, see the CNA Group Long Term Disability Certificate, http://www.utsystem.edu/egi/pubs/2000CNALTDcert.pdf

Long Term Disability: Monthly Premium Rate: 

Long Term Disability: Monthly Premium Rate To calculate the approximate monthly premium rate for Long Term Disability, see the Benefits Cost Worksheet, page 3.

Long Term Disability: Where to find more information: 

Long Term Disability: Where to find more information Call CNA at (800) 303-9744 Go to CNA’s long term disability website. https://www.cnagroupben2.com/start.asp?u=uni101&p=plan Find a more detailed plan description at :<link to LTD publication on EGI website.)

Long Term Care: 

Long Term Care

Long Term Care: 

Long Term Care This is an optional plan offered through CNA that covers services needed when people are not capable of caring for themselves. Examples include: assistance at home with daily activities, and special attention in a nursing home You, your spouse, your adult children ages 25 and older, your parents, your grandparents, parents-in-law, and grandparents-in-law are all eligible to enroll in this plan For general information about this plan: http://www.utsystem.edu/egi/employee/ltc.asp For additional information, call CNA at (888) 825-0353 or go to their website at http://www.ltcbenefits.com/start.asp?account=521310025&user_id=utsguest

Long Term Care: Monthly Premium Rate: 

Long Term Care: Monthly Premium Rate To calculate the approximate monthly premium rate for Long Term Care, see the Benefits Cost Worksheet, page 4.

Long Term Care:Questions and Answers: 

Long Term Care: Questions and Answers What is the difference between Long Term Disability and Long Term Care? Answer: http://www.utsystem.edu/egi/employee/faq.asp#14 Is the Long Term Care Plan portable if I leave employment at U. T. System? Answer: Yes, the Long Term Care Plan is portable. This enables your coverage to continue even though you are no longer employed by U. T. The only change would be the method of payment: you would directly pay CNA instead of having the premium rate deducted from your paycheck.

For All Group Insurance Plans: Where To Find Additional Information: 

For All Group Insurance Plans: Where To Find Additional Information Here is a Quick Reference listing the Customer Service website, address, and telephone numbers for each of your group insurance plans. http://www.utsystem.edu/egi/contacts.asp - 2

How to Contact Your Local Benefits Office: 

How to Contact Your Local Benefits Office You will find the address and telephone number for your local benefits office on this “quick reference” list. Your local benefits office will be glad to assist you with your benefits and enrollment questions. http://www.utsystem.edu/egi/contacts.asp#1