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Destination: 2013 Enrollment

Destination: 2013 Enrollment. The Road to Enrollment. Your Roadmap for What’s New for 2013 Your Benefit Options for 2013 Navigating Open Enrollment Questions?. What’s New for 2013?. CIGNA Healthcare Changes New Plan Option: CIGNA PPO Healthcare Plan

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Destination: 2013 Enrollment

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  1. Destination: 2013 Enrollment

  2. The Road to Enrollment • Your Roadmap for What’s New for 2013 • Your Benefit Options for 2013 • Navigating Open Enrollment • Questions?

  3. What’s New for 2013? • CIGNA Healthcare Changes • New Plan Option: CIGNA PPO Healthcare Plan • CIGNA Premium Discount and Wellness Incentive opportunities • Addition of CIGNA Personal Health Team Services • Teamsters’ BlueShield Changes • Premium Increase • Plan Design Changes • New Optional Long Term Disability Plan (LTD70)

  4. Shift into Gear: Your Personal Health Team • Your CIGNA Personal Health Team • Employees and covered family members enrolled in CIGNA healthcare plans are eligible • Employees enrolled in non-CIGNA plans will have access to EAP services only • Team of health specialists including nurses, dieticians, clinicians and counselors • Ready to work with you, learn about your needs and help you find solutions. • All services are optional Protecting Your Privacy Your interactions with your PHT are confidential!

  5. How a Health Advocate Can Help Discuss your CIGNA HRQ results and action steps Help you better manage chronic conditions Provide unbiased advice on treatment options Provide referrals to counseling and community services Explain the preventive care benefit and the screenings that are appropriate for you Support changing unhealthy habits: Tobacco, Stress & Weight Support for mental health issues, substance abuse & emotional crisis Provide educational materials, reminders of important tests/exams, self-care information

  6. Ithaca On-Site Wellness Clinic For AllEmployees

  7. Ithaca’s Annual Fitness Membership Reimbursement Program Ithaca Wellness Program offers Employee Fitness Reimbursement: 50% of gym fee up to a maximum of $200 per calendar year. Schedule your annual wellness exam at our on-site clinic or with your own PCP Join an area fitness club and pay their membership fee Bring a copy of your paid receipt & proof of wellness exam to the HR Office • All full-time employees are eligible to participate regardless of healthcare plan • Reimbursement requires evidence of an annual wellness exam at our On-Site Wellness Clinic as part of our Wellness Program (voucher issued by clinic). • If wellness exam is completed with employee’s primary care physician, proof is required such as an insurance claim/explanation of benefits from the visit • Copy of a paid receipt from the fitness facility is required to process reimbursement.

  8. Additional Points of Interest 2013 Medical Plan Options 8

  9. A Look at the Medical Plans for 2013 9

  10. CIGNA Choice Health Fund (HRA) Recap In-Network • Deductible • $1,500 single • $3,000 family • HRA Fund • $750 single • $1,500 family • Co-Insurance • 80% company paid • Stop-Loss (co-insurance only) • $3,000 single • $6,000 family • PreventiveServices • Covered at 100% by BorgWarner with no deductible Out-of-Network • Deductible • $3,000 single • $6,000 family • HRA Fund • Same as In-Network Fund • Co-Insurance • 60% company paid • Stop-Loss • $6,000 single • $12,000 family

  11. How the CIGNA HRA Plan Works Recap For medical and prescription expenses only. Cannot be used for dental or vision expenses. Includes member deductible gap In-network preventive care covered at 100% without deductible 11

  12. CIGNA CHF Prescription Drug Plan Recap

  13. CIGNA PPO Medical Plan for 2013 • In-Network • Deductible • $200 single • $400 family • Co-Pays • $20 Primary Care Office Visit • $40 Specialist Office Visit • $50 Urgent Care • $100 Emergency Room • Co-Insurance • 90% after deductiblefor services such as hospitalization, x-rays, MRIs, etc • Stop-Loss (co-insurance only) • $3,000 single • $6,000 family • Preventive Services • Covered at 100% by BorgWarner with no deductible Out-of-Network • Deductible • $400 single • $800 family • Co-Insurance • 80% after deductible • Stop-Loss • $ 6,000 single • $12,000 family • Preventive Services • Covered at 60% by BorgWarner after the deductible

  14. CIGNA PPO Prescription Drug Plan

  15. In-Network Deductible $0 single $0 family Co-Pays $20 Office Visit $35 Urgent Care $100 Emergency Room Co-Insurance 95% with no deductible for services such as hospitalization, x-rays, MRIs, etc Stop-Loss $1,000 single $3,000 family Preventive Services $20 Co-pay applies Teamsters’ BlueShield PPO Update Out-of-Network • Deductible • $250 single • $500 family • Co-Insurance • 70% after deductible • Stop-Loss • $2,500 single • $5,000 family • Preventive Services • Not covered

  16. Teamsters’ Prescription Drug Plan Recap • Optum Rx (formerly Prescription Solutions) • Provides prescription coverage for BlueShield plan • Separate Card Needed • Do not use the BlueShield card or phone number on back of card • If you do not receive separate card, call the Teamsters’ Health & Welfare Office • Mandatory mail-order for long-term prescriptions • On-going prescriptions for conditions such as blood pressure and cholesterol were converted to mail-order in 2011 • New prescriptions for these types of medications may be filled one time at retail pharmacy and then must be converted to mail-order

  17. Additional Points of Interest 2013 Health Plan Rates, CIGNA Premium Discounts, & Wellness Incentives 17

  18. 2013 Health Plan Monthly Premiums Monthly Health Plan Premiums and Discounts (premium discounts apply to CIGNA healthcare plans only) 18

  19. Health Risk Questionnaire (HRQ) • Each year you will have the opportunity to complete a HRQ to earn a $50/month Premium Discount (CIGNA only) • The HRQ is a series of questions to help you to assess your current health issues/risks. Once complete, you receive a final report to use with recommendations of ways to improve areas that have been identified as potential issues or risks • HRQ can be taken from any computer with internet access • On-Site help is available if you need it • Your personal health information and individual HRQ Score are NOT shared with BorgWarner • BorgWarner will only receive confirmation of your completed HRQ so we can give you credit for the discount

  20. Tobacco Cessation Pledge • Each year you will be given the opportunity to take a Tobacco Cessation Pledge to earn a $50/month Premium Discount (CIGNA only) • There are two options that you can elect to earn the Premium Discount: • Non-Tobacco User: pledge to remain tobacco free during the year. • Tobacco User:pledge to complete one of the Tobacco Cessation Programs offered: • The Program that you select must be completed Feb 28 of the following year; • If not completed the discount will be forfeited on April 1

  21. Enrollment Form Discount 1: Online HRQ Discount 2: Tobacco Select Your Plan for 2013

  22. Accessing the CIGNA On-Line HRQ How to Access CIGNA On-Line HRQ: 22

  23. Cholesterol & Blood Pressure Screening - and On-Line HRQ Help Available! Lorna Colburn RN will be available for Cholesterol and Blood Pressure Screenings - free to employees. Help will also be available if you need to complete the online HRQ for your insurance premium discount for 2013! • Location: TC Cafeteria • Thursday, Nov 1, 2012: • 6 am to 4 pm • Wednesday, Nov 7, 2012: • 7 am to 4 pm • Location: ETC Heat Treat Conf Room • Friday, Nov 2, 2012: • 6 am to 4 pm • Location: ETC Cafeteria • Tuesday, Nov 6, 2012: • 7 am to 4 pm Can’t make one of these dates? Call the Wellness Clinic x5018

  24. Tobacco Cessation Program Options How to Access CIGNA Quit Today: Call Your CIGNA Health Advocate at 1-800-237-2904 OR Wellness Program sponsored on-site support classes: call 266-5018 Specialist from Cayuga Medical Center will be on-site conducting support classes. 24

  25. Telephonic Tobacco Cessation Support CIGNA Quit Today Program 6-week program Coaching provided via phone Program includes: Toolkits Free Nicotine replacements – OTC patch/gum Develop a personalized quit plan Support line 7 days a week, 24 hours a day Follow-up and long term support post-completion Program may be completed on your schedule

  26. On-Site Tobacco Cessation Support

  27. CIGNA CHF/PPO Wellness Incentives • an employee or spouse can earn a maximum of $200 annually

  28. Additional Points of Interest Other 2013 Benefits: Dental/Vision FSA Life Disability 28

  29. Dental/Vision – Combined Benefit Dental Checkups Fillings Braces Go to www.mycigna.comto print a temporary card (or use your CIGNA Health Card if enrolled) Vision Eye exams Glasses or contacts Go to www.mycigna.com then click on CIGNA Vision for vision directory 29

  30. Flexible Spending Accounts Health Care FSA or Dependent Care FSA Employee-funded with pre-tax dollars You maketax-free contributions and you gettax-freereimbursements Health Care FSA: Full amount available January 1 for HC FSA Use to fund your member deductible gap Use after the HRA fund Federal rule says year-end balance forfeited if not used by Mar 15, 2013 Have until Mar 31, 2013 to submit claims Dependent Care FSA forfeits if not used by Dec 31, 2012 You must enroll every year 30

  31. Health Care Reform Changes - FSA • Reduced Health Care FSA annual contribution maximum • From $5,000 to $2,500 per employee • Limit is per person • you and your spouse can each contribute to an employee sponsored plan for a total max of $5,000 • Consider this when planning how to cover your HRA deductible gap and out-of-pocket maximums

  32. Benefits Paid by BorgWarner Basic Life Provided directly through MetLife Provides financial protection for your survivors in event of your death while employed at BorgWarner Benefit is equal to 1X your annual base pay as of January each year Recap Designate Your Beneficiary! • Make sure your life insurance will be handled the way YOU • want by designating your beneficiary! • To designate or change your beneficiary for any of your life insurance policies call • MetLife Directly at 1-888-622-6616 or visit their website online at: • www.metlife.com/mybenefits 32

  33. Optional Life Insurance • Employee contributes to cost • Offered directly through MetLife • www.Metlife.com/mybenefits • Coverage options include: • Employee Life: 1 times annual base pay up to 8 times base pay • Spouse Optional Life: $5,000/$10,000/$25,000/$50,000/$150,000/$250,000 • Child Dependent Life: $5,000/$10,000/$15,000/$20,000 • No “guaranteed coverage” during open enrollment • Apply for coverage changes at any time during the year subject to Evidence of Insurability (EOI) 33

  34. Special Optional Life Enrollment • For Optional Life & Dependent Optional Life • Open to all current active BW employees with min 60 days of service • Enroll for the first time or increase current coverage (if already enrolled) at any level without usually required Evidence of Insurability • 5 simple medical questions instead • Nov. 24, 2012- Dec. 14, 2012 • Effective Coverage Date: January 1, 2013 • Look for more information soon!

  35. DISABILITY/FMLA Recap Short-Term Disability(STD) begins after you’ve been absent from work for seven days for a non-work related illness or injury. It pays a portion of your current earnings as outlined in your union contract while you are disabled. Family Medical Leave Act(FMLA) is a federal law that entitles eligible employees to take unpaid, job-protected leave for specified family and medical reasons. Specific eligibility requirements and rules of use apply. Long-Term Disability (LTD) begins after you’ve been disabled for more than six months and meet the insurer’s definition of disabled. It pays a portion of your current salary up to $5,000 per month* until you reach normal retirement age. * Long-term disability benefits will be reduced by the amount of other income you may receive such as Social Security or workers’ compensation. Coverage begins after 1 year of service. • Disability benefits provide your family with a source of income if you are unable to work due to a non-work-related illness or injury. • The company provides these benefits for you and there is no need to enroll. • See your current union contract for eligibility requirements, waiting periods, and payment details. • Call CIGNA to apply when you need to use the benefit • Contact HR for a packet that explains the process for both STD and FML

  36. Long-Term Disability Options Rates for each employee are on the enrollment form that was mailed as part of the enrollment packet. Individual letters have also been sent. 36

  37. LTD70 Example Joe earns $45,000 (avg. bonus over last 3 years $1,167)

  38. Enrollment Form Disability: New Election

  39. Additional Points of Interest Navigating Enrollment 39

  40. Navigating Open Enrollment Check out Page 5 of your Enrollment Guide for Roadside Assistance 40

  41. Dependent Coverage Rules Your children may be enrolled in medical and dental/vision plans up to age 26, regardless of whether the child is living at home, is listed as a dependent on your tax return, is a student or is married. Reminder A child is defined as: • Biological child; • Legally adopted child or a child who has been placed with you for adoption; • Stepchildren (Restrictions may apply); • Court-appointed child for whom you have full (not limited) legal guardianship; or • A child for whom you are required to provide health care support under a Qualified Medical Child Support Order (QMCSO). • Life Insurance eligibility for children is different • Children may remain insured to age 19, or if full-time student, to age 25 41

  42. Enrolling Dependents in the Plan Reminder • If enrolling a spouse for the first time • Provide a copy of your marriage license • Include spouse’s full social security number and date of birth • Working Spouse rules may apply • If enrolling a child under age 26 for the first time • Provide a copy of the child’s birth certificate (or other legal documentation such as support order, adoption papers, etc) • Include child’s full social security number and date of birth What This Means to You/Action to Take Adding a dependent? Complete the “Eligibility” section of your form and provide appropriate documentation. 42

  43. Enrollment forms due in HRby November 16 Benefits take effect January 1, 2013 If enrolling spouses or dependents, make sure to include supporting documents with your form: a marriage license, birth certificate, or other legal documents as required If enrolling in CIGNA medical plans, complete the premium discount requirements: Online HRQ deadline: November 30, 2012 Smoking Cessation Program (if needed): February 28, 2013 Key Items to Remember 43

  44. Your Destination: 2013 Enrollment Enroll by November 16 44

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