Your 2014 Benefits Annual Enrollment Employee Presentation October 2014
Feb 24, 2016
Your 2014 Benefits Annual Enrollment
Employee Presentation
October 2014
Do I have to enroll?
• If you are currently enrolled in Kellogg benefits, your selection will automatically roll-over to next year unless you make a change.
2013 2014HSA HSA Option A
PPO PPO
HRA HSA Option B
• Enrollment required for: – Flexible Spending Account– Health Savings Account– Vacation purchase
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Annual Enrollment November 4-15, 2013
Watch Some VideosHow are all three medical plans alike?How are the medical plans different ?
HighlightsWhat’s New for 2014
Currently enrolled in HRA? The HRA Plan will not longer be available in 2014. Be sure to use your HRA funds before January 1, 2014. Any remaining balance in your HRA will be forfeited. Check your HRA balance by contacting your medical carrier, CIGNA or BCBSMI.
New Medical Plans in 2014• HSA Option A (Modified)
• HSA Option B
• PPO Plan (Modified)
• HMO Medical Plans available in some locations
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New
• Save more! Per IRS guidelines, HSA maximum contributions are increasing to $3,300 for individual coverage and $6,550 for family coverage in 2014.
• PPO changes include:– Annual deductible– Out-of-pocket maximum– Prescription drug co-pay and co-insurance
• Voluntary AD&D coverage will be a separate election in 2014. 4
HighlightsWhat’s New for 2014
Coverage Level Company Contribution
Employee Contribution
Total Contribution
Individual $500 $2,800 $3,300
Family $1,000 $5,550 $6,550
• 2013 Feeling Gr-r-reat! REWARDS! – Employees must complete the online
Health Assessment during Benefits Annual Enrollment in order to claim any REWARDS!
– Go to the Kellogg Benefits Center, step #4 of the enrollment checklist, to complete the online Feeling Gr-r-reat! Health Assessment 5
HighlightsWhat’s New for 2014
• Same-gender spouse– Employees legally married to a same gender spouse can change
their relationship to “spouse” for benefit coverage• Stop imputed income• Update beneficiary information
– Call the Kellogg Benefit Center by November 30th
HSA Medical Plans – Modified and New 2014 Options
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HSA Option A (modified) HSA Option B
In-network Out-of-network In-network Out-of-network
Annual Deductible $1,900/individual $3,800/family
$3,800/individual$7,600/family
$2,400/individual $4,800/family
$4,800/individual$9,600/family
Annual Out-of-Pocket Maximum (includes annual deductible)
$3,250/individual $6,500/family
$6,500/individual$13,000/family
$4,000/individual $8,000/family
$8,000/individual$16,000/family
Kellogg Contribution $500/individual$1,000/family
$500/individual$1,000/family
Preventive Care 100% (no annual deductible)
60% (after annual deductible) 100% (no annual deductible) 60% (after annual deductible)
Office VisitPrimary Care or Specialist
80% (after annual deductible)
60% (after annual deductible) 80% (after annual deductible) 60% (after annual deductible)
Hospital (inpatient or outpatient)
80% (after annual deductible)
60% (after annual deductible) 80% (after annual deductible) 60% (after annual deductible)
Prescription DrugsAfter Annual Deductible
GenericPreferred BrandNon-Preferred Brand
Retail PharmacyYou Pay: $7 co-pay25% ($25 min, $50 max)35% ($50 min, $100 max)
Mail OrderYou Pay: $15 co-pay25% ($65 min, $125 max)35% ($125 min, $250 max)
Watch a Video How an HSA plan works
New
Changes noted in bold blue
Health Savings Account
• If you enroll in a HSA Medical Plan, you will have a Health Savings Account. Your Health Savings Account is administered through the Kellogg Benefits Center. Once you activate your account you can:
– Receive Kellogg contributions• Deposited into your account by
January 3, 2014 – Make your own contributions via payroll
deduction• Deposited after each payroll deduction
• You can view your Health Savings Account balance and transactions anytime at kelloggbenefitscenter.com
• To contribute (and receive Kellogg Contributions) to a Health Savings Account you cannot be covered under another health plan, such as Medicare or a PPO. Refer to the Kellogg Benefits Center website for more information.
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PPO Plan - Modified
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2013 2014 In-network Out-of-network In-network Out-of-network
Annual Deductible $400/individual $1,200/family
$800/individual$2,400/family
$500/individual $1,500/family
$1,000/individual$3,000/family
Annual Out-of-Pocket Maximum
(includes deductible)
$2,000/individual $6,000/family
$4,000/individual$12,000/family
$2,600/individual $7,800/family
$5,200/individual$15,600/family
Kellogg Contribution None None
Preventive Care 100% (no annual deductible)
60% (after annual deductible) 100% (no annual deductible) 60% (after annual deductible)
Office VisitPrimary Care or Specialist 80% (after annual deductible) 60% (after annual
deductible) 80% (after annual deductible) 60% (after annual deductible)
Hospital (inpatient or outpatient) 80% (after annual deductible) 60% (after annual
deductible) 80% (after annual deductible) 60% (after annual deductible)
Prescription Drugs
GenericPreferred BrandNon-Preferred Brand
2013 Retail PharmacyYou Pay: $7 co-pay25% ($25 min, $50 max)35% ($50 min, $100 max)
2013 Mail OrderYou Pay: $15 co-pay25% ($65 min, $125 max)35% ($125 min, $250 max)
2014 Retail PharmacyYou Pay: $10 co-pay40% ($30 min, $60 max)50% ($75 min, $150 max)
2014 Mail OrderYou Pay: $25 co-pay40% ($75 min, $150 max)50% ($187.50 min, $375 max)
Watch a Video How a PPO plan works
Changes noted in bold blue
Dental Plan – No Change
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Plan Features Base PremiumAnnual DeductibleYou pay this amount before the plans pay anything.
$50 single$150 family
$50 single$150 family
Co-insuranceThe plan pays this amount after you reach your deductible.
Preventive Care (Coverage for exams and cleaning)
100% of CIGNAapproved amounts,no annual deductible
100% of CIGNAapproved amounts,no annual deductible
Diagnostic/Restorative Care (Fillings, X-rays, root canals, oral surgery, inlays, onlays, crowns)
70% of CIGNA approved amounts
80% of CIGNA approved amounts
Prosthodontic Care (Occlusal guards, bridges, dentures)
50% of CIGNAapproved amounts
50% of CIGNAapproved amounts
Orthodontia (No age limit) Not Covered 50% of CIGNA approved
amounts
Implants 50% of CIGNA approved amounts
50% of CIGNA approved amounts
Maximum When the dental plan payments reach these maximums, you pay 100% of all other expenses.
Annual Maximum (Per covered person) $1,200 $2,000
Orthodontia Lifetime Maximum (Per covered person) N/A $2,000
Vision Plan – No Change
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Co-paymentThe plan pays 100% after you meet each co-payment per visit.Eye Exam(One visit every 12 months) $10
Lenses (Plan covers replacement of lenses once every 12 months)
$25(applies to both lenses and frames) Plan provides an allowance of up to $120 for frames
Contacts (Plan covers replacement of contacts once every calendar year instead of frames/lenses during the same period)
$0 Plan provides an allowance of up to $125
Flexible Spending Accounts
• Flexible Spending Accounts (FSAs) help you cover your expenses – tax free
• There are two types of Flexible Spending Accounts
– Health Care/Limited Purpose FSA
– Dependent Day Care FSA
• “Use it or lose it”
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Type of FSA Health Care Limited PurposeAvailable with Medical Plan
Use it to pay for • Medical, dental, vision– Annual Deductibles– Co-pays– Co-insurance– Other costs not
covered by your plan
• Dependents’ out-of-pocket costs
• Dental, vision– Annual Deductibles– Co-pays– Co-insurance– Other costs not
covered by your plan
• Dependents’ out-of-pocket costs
Other things to know May be used to reimburse medical expenses only after annual deductible met
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Flexible Spending Accounts (FSAs) Health Care FSA vs. Limited Purpose FSA
Dependent Day Care FSA
• Use the Dependent Day Care FSA to reimburse yourself on a tax-free basis for day care, day camp, elder care or other expenses you pay because:
– You and your spouse/domestic partner (if married) work
– You and your spouse/domestic partner (if married) go to school full time
– Your spouse isn’t physically or mentally able to care for himself or herself
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The Dependent Day Care FSA is not intended to help you pay for your child’s healthcare. • You can set aside money for your child’s health
care in the Health Care FSA.
Vacation Purchase
• You are eligible to purchase 5 additional vacation days if you have: – Less than 25 years of service (eligible for less than six weeks of
annual vacation accrual)– Less than one week of vacation carried over from 2013 into 2014
Pay through pre-tax payroll deductions through 2014
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If you do not plan to use the additional week of purchased vacation before December 30,
2014, you may submit a request for a refund.
Enroll in Your Benefits
• Visit the Kellogg Benefits Center website during Annual Enrollment – View benefits information beginning October 18, 2013– Enroll November 4 – 15, 2013
• Access the website two ways:– Go to www.kelloggbenefitscenter.com from any computer with
Internet access– Employees who currently use the myHR Portal to access their
benefits may also link to the Kellogg Benefits Center website from there
• You can also enroll over the phone by calling the Kellogg Benefits Center at 1-888-280-6933
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Additional Hours During Annual Enrollment:Representatives available at 1-888-280-6933 from 8 am to 6 pm Eastern time, Monday through Friday.
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• You can access your retirement, medical and insurance benefits through the Kellogg Benefits Center:
• You can access the following benefits and programs through the myHR Portal and myHR Service Center:
Medical Life InsurancePharmacy Accidental Death & DismembermentDental Retirement PlansVision Flexible Spending Accounts
Disability/Leave of AbsenceFeeling G-r-r-reatOther programs such as Tuition Reimbursement, Workers’ Compensation, Vacation Purchase, Employee Stock Purchase Plan, Employee Discount Program, Adoption Assistance
How To Access Your 2014 Benefits
ANNUAL ENROLLMENT 2014 COMMUNICATIONS
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Oct 1: Notice of Exchanges
Oct 4: Notice of Creditable Coverage
Oct. 15: myTotalRewards Newsletter
Oct 9: Feeling Gr-r-reat Postcard, to eligible employees reminder to complete Health Assessment to claim REWARDS!
Oct 25 – Nov 4 – NUH Mailer / Salaried email Annual Enrollment notice
Nov 4: Microsite linked in annual enrollment step #1
October 2013 November/December 2013
Annual Enrollment Webinars • Oct. 22, 2-3 PM ET• Oct. 29, 7-8 PM ET• Nov. 12, 2-3 PM ET• Nov. 13, 11-12 PM ET
Oct 15: Postcard - What’s changing for 2014; promote decision KBC tools and resources available for enrollment
Oct 18: Benefit Guide Microsite and Health Care Cost Comparison Tool link on KBC homepage
Annual Enrollment Communications
Nov 4: On KBC AE Checklist - HSA user guide, Quick Guides, SBC’s, SPD’s, HIPPA Notice
Dec 11-16: NUH Mailer/Salaried Email - HSA User Guide for 2014 HSA enrollees