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How to Maximize Your OWU Employee Benefits

How to Maximize Your OWU Employee Benefits. Liz Foos and Scott Simon January 9, 2019. Basics First. Look at your paystub and verify that it’s correct Salary/Stipends Correct deductions Address correct City and school district Donations. Health Insurance - Anthem.

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How to Maximize Your OWU Employee Benefits

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  1. How to Maximize Your OWU Employee Benefits Liz Foos and Scott Simon January 9, 2019

  2. Basics First • Look at your paystub and verify that it’s correct • Salary/Stipends • Correct deductions • Address correct • City and school district • Donations

  3. Health Insurance - Anthem • Am I on the best plan for my personal situation • $1,000/$2,000 deductible PPO, or • $3,000/$6,000 HDHP with HSA + University HSA contribution $1,500 single $3,000 family • Decision tool available on HR website • Which dependents to cover • Spouse and children age 26 and under • Am I making pre-tax contributions to a FSA, DCA or HSA • Research and pick the best options and not “what I’ve always done” or “what everyone else is doing”

  4. Health Insurance – Where to Seek Treatment • Begin at most basic level of care and work your way up • Call Anthem Nurse Line 24/7 • LiveHealth On-line – download the app • Minute Clinic • Primary Care Physician • Urgent Care Center • Emergency Room • Research options in advance so that when an emergency happens you are prepared and know where to seek treatment • Don’t go out-of-network if at all possible • Anthem price comparison tool – Estimate Your Costs

  5. Other Anthem Resources • Download and use the Anthem Anywhere app • Download and use the Engage app or call • Behavioral Health Resource – 24/7 support • ConditionCare support • Future Moms • Heath Assessment on-line • On-line Wellness Toolkit • MyHealth Advantage

  6. Health Insurance • Use in-network providers only • Get connected with a Primary Care Physician • Don’t be afraid to challenge your physician regarding recommended treatment, location and alternatives • Use generic vs brand name medications where possible • Use mail order prescription service • 3 months supply for 2 months co-pay • Use freestanding laboratory services • Take advantage of Preventive Care services which are FREE

  7. Health Insurance – McGohan Brabender • Make use of the MB Advocate Team • Explanation of Benefits • Provider billing questions • Coordination of Benefits • Pre Authorization assistance • RetireMedIQ– can assist in navigating the Medicare decision process • Personalized Communications • Benefit Advisors • Access to Health Care Plans • Lifelong Support • Resource Libraries

  8. Health Insurance – Other Tools • Healthcare Bluebook • Good Rx for prescription drug price shopping

  9. Anthem Discounts and Special Offers • Vision and Hearing • 1-800 Contacts - $20 off when spending $100 or more • Glasses.com - $20 off when spending $100 or more • Premier LASIK – save 15% • Amplifon • Beltone

  10. Anthem Discounts and Special Offers • Fitness and Health • Jenny Craig – enrollment discount and 5% discount on food • Lindora – save 20% • SelfHelpWorks • GlobalFit • ChooseHealthy • Performance Bicycle - $20 off a purchase of $80 or more • Garmin

  11. Anthem Discounts and Special Offers • Family and Home • Safe Beginnings – save 15% • VPI Pet Insurance – 5% off • ASPCA Pet Health Insurance – 5% off • LinkWell • WINFertility • LifeMart • HelpCare Plus

  12. Anthem Discounts and Special Offers • Medicine and Treatment • Puritan’s Pride – save 10% + free shipping • Allergy Control Products • National Allergy Supply

  13. Education Benefits • OWU • Free tuition for up to 8 semesters for spouse and dependents • Free room spring semester if your student lived on campus during fall • The Tuition Exchange • Over 600+ institutions • Some offer full or partial room benefit • Study abroad options available at some institutions • Graduate school option for employees • GLCA • Most expensive option – participation fee (15%) + room and board, if not commuting

  14. Retirement Benefits – 403(b) Plan • Show Me the Money! • OWU match is FREE money – 5% or 1.5% depending on OWU service • Increase contribution with every salary increase/promotion • TIAA Retirement Consulting, on-site monthly – Free • Other TIAA tools • Telephone assistance • Active portfolio management (fee required) • Self-directed brokerage account (fee required) • Recent addition of Roth option • Monthly webinars • On-line tools – retirement plan calculator

  15. Employee Assistance Program • Free and confidential services • Counseling – 3 sessions • Financial Information and Resources • Basic legal support and referral • Work-life issues • Free on-line Will Preparation

  16. LifeMart - ADP Discount Market • Link to LifeMart through the ADP portal • Offer discounts on: • Wellness • Financial • Travel • Hotels • Car rental • Home • Auto • Much, much, more

  17. Looking for a Cheap Date? • Athletic contests offer free admission to all for most games • Football, Men’s and Women’s Basketball, Men’s and Women’s Soccer and Men’s Lacrosse charge admission – employee, with OWU ID, and a guest are admitted free of charge • Theatre productions offer OWU employees discounted tickets at $5 • Some production offer free admission • Next production 'Just One Step‘ a twin bill of comedy and music, February 21-24 • Richard M. Ross Art Museum • Next exhibition “Yesterday, Today, Tomorrow,” January 22 – March 31 • Numerous other opportunities available

  18. Invest in Yourself – Resume Builders • Take advantage of the many opportunities OWU provides for education, training, personal and professional development, and skill enhancement • Look for opportunities to broaden your skills and learn new things • Volunteer opportunities • Committee participation • Leadership opportunities • Conference and seminar participation • Retain documentation and keep and “running resume” similar to faculty CV

  19. OWU Discounts • OWU Campus Store – 10% discount • AVI working on dining discount for employees • $100 discount for family members participating in the OWjL program • Use of Concur travel website for personal travel • Use of OWU athletic facilities for self and family members, OWU ID card required • Fit OWU Program - $30 per semester • Discounted rental rate for use of Gray Chapel, Benes Room, meeting/classrooms • Venue is free, pay for housekeeping, liability insurance and AVI catering

  20. OWU Discounts • Shredding Services – Print Services $3/Mailbox • Personal Printing – contact Print Services for quote • ECC Application fee waived

  21. External Discounts - See the Purchasing Blog • Tim Hortons 10% • Dominos 25% • El Vaquero 10% • Hungry Howies 10% • Greater Gouda 5%, 11:00-2:00 Tu-Fri • Enterprise Rental Car discount • AT&T 10% • Sprint 10% • Verizon 15% • FriendsOffice • FreeMicrosoft Office 365 @ Home • Adobe Creative Cloud • Computers and Hardware at GovConnection

  22. OWU Expertise • OWU has experts in many disciplines who are willing to offer guidance or advice if asked

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