What’s Changing for BENEFITS in 2019?
More details to come October from U of AR Benefits Bulletin at your home address
Human Resources Open Enrollment Communication
OPEN ENROLLMENT FROM NOVEMBER 1, 2018 THRU NOVEMBER 30, 2018
Here’s an overview of 2019 benefits changes.
- Complete the Tobacco/Nicotine Pledge and Notice and, if applicable, enroll in a tobacco cessation program to avoid a $50 per month tobacco surcharge.
- Get on track to a healthier weight and lifestyle with the new Real Appeal weight loss program.
- Get more in your Health Savings Plan’s HSA with an increased University contribution: $500 for individual coverage, $1,000 for families.
- Pay a $250 copay for emergency room visits if you’re in the Classic Plan or Premier Plan. The copay will be waived if you’re admitted to the hospital.
- Coverage for infertility treatment and services will be new for 2019.
- Enroll in Optional Long Term Disability coverage up to your annual base salary. Until now, Optional Long Term Disability coverage was limited to $80,000 of annual base salary.
- Receive the same coverage for insulin pumps and supplies as any other covered medical expense if you’re currently enrolled in the Disease Management Program.
NEW! Wellness Program
To participate in The University’s wellness program, just complete two simple steps toward becoming a healthier you. Plus, you’ll get wellness incentives under the new program and avoid possible surcharges by participating.
What Do You Need to Do?
To complete the wellness program and qualify for the 2019 wellness incentive:
- Visit an in-network provider between November 1, 2017 and November 1, 2018 for a qualified wellness program visit, AND
- Complete the Tobacco/Nicotine Pledge and Notice during 2019 Open Enrollment.
Understanding the Steps
Step 1: Qualified Wellness Visit
Visit an in-network provider for a qualified office visit. UMR will use your claims data to determine if you completed your visit—there’s nothing for you to submit or report.
- What is a Qualified Office Visit? A qualified office visit includes any office visit you have with an in-network primary care provider (that is, a family, general, geriatrics or internal medicine doctor) or a specialist (such as a specialist in cardiology, OB/GYN, oncology, gastroenterology, endocrinology, hematology, pulmonology, nephrology, infectious diseases, neurologist or rheumatology). This includes any visit for:
- Preventive exams or screenings
- Treatment of a condition or diagnosis
- Management of a chronic disease.
Note: Qualified office visits do not include visits to dermatologists, allergists, podiatrists, ophthalmologists or optometrists.
To earn 2019 incentives, you must complete your visit by November 1, 2018. If you have had an office visit since November 1, 2017, you’ve already completed Step 1.
If you have not had a visit, schedule your office visit now to make sure it’s completed before November 1, 2018. Confirm your completed visit on the UMR Member Portal: www.umr.com
Step 2: Complete the Tobacco/Nicotine Pledge and Notice - Portal opens October 1, 2018
If you do not use tobacco/nicotine products, you must complete the Pledge during Open Enrollment and agree to continue to remain tobacco-free.
If you DO use tobacco/nicotine products, you must complete the Pledge during Open Enrollment, including committing to enrolling in and completing a recognized tobacco cessation program in 2019.
Log on to the UMR Member Portal to complete the Tobacco/ Nicotine Pledge and Notice during Open Enrollment. Note: The Pledge only applies to you, not your spouse or enrolled dependents.
Visit the UMR Member Portal at www.umr.com to complete the Tobacco/Nicotine Pledge and Notice. If this is your first time on the Member Portal, you’ll need to register. Click “Need a Username? Register Here” and follow the steps to complete your registration. Once you’re logged in:
1. Select the “Health Center” tab
2. Click “Wellness Activity Center”
3. Click “Get Started” and you will be redirected to the wellness page
4. Click “Log Your Activities and Events” to complete the Pledge.
If you do not complete the Tobacco/Nicotine Pledge and Notice, you choose to continue to use tobacco/nicotine, or you use tobacco/ nicotine and do not commit to enrolling in and completing a recognized tobacco cessation program, you will be assessed the $50 monthly tobacco surcharge (that’s $600 per year!).
You’ll pay the surcharge through payroll deductions on an after-tax basis for the entire 2019 calendar year. If you’re assessed the surcharge, you can submit an updated Tobacco/Nicotine Pledge and Notice or enroll in a tobacco cessation program by July 1, 2019. If you do so, you’ll avoid the $50 monthly surcharge from July 1, 2019 through December 31, 2019.
Wellness Program Incentives
If you complete the steps, you can earn the following incentives, based on your medical plan coverage:
Health Savings Plan
Medical out-of-pocket maximum savings of $1,400 individual/$2,800 family
Additional $90 contribution to your Health Savings Account
Medical out-of-pocket maximum savings of $500 individual/$1,000 family
Your Medical Plan Choices
Medical coverage will generally stay the same for 2019 and you’ll still have three medical options to choose from: the Classic Plan, the Health Savings Plan and the Premier Plan. However, there will be a few enhancements and changes to your coverage starting January 1, 2019.
2019 Medical Plan Change
The University will contribute more to your Health Savings Account if you are in the Health Savings Plan. You’ll receive $500 if you have individual coverage (up from $420) or $1,000 if you have family coverage (up from $840). Use this money to pay for eligible medical expenses before you meet the deductible or when you share the cost of services with The University (e.g., coinsurance).
If you’re in the Classic Plan or the Premier Plan, when you or a covered dependent visits the emergency room, you’ll pay a $250 copay. The copay will be waived if you’re admitted to the hospital.
Receive coverage for infertility treatment and services when received from an in-network provider or facility, up to a $17,500 medical services lifetime maximum and a $7,500 prescription drug lifetime maximum.
If you are currently enrolled in the Disease Management Program, insulin pumps and supplies will be covered the same way as any other covered expense (deductible, then coinsurance).
NEW! Real Appeal Weight Loss Program
Real Appeal is an online weight loss program, available for free to you when you’re enrolled in a University of Arkansas medical plan. Real Appeal will help you lose weight and live a healthier life overall with a customized weight-loss plan.
With Real Appeal, you’ll get:
- A year of support provided by a Transformation Coach who will develop a simple, customized weight-loss plan that fits your needs, preferences, lifestyle and goals.
- Unlimited, 24/7 access to digital content including workout videos, food trackers, activity and weight analysis and feedback, recipes and more.
- Weekly online coaching sessions with your Transformation Coach and a group of fellow members who share in your challenges and successes and provide accountability for your efforts.
- A Success Kit, with healthy weight management tools including fitness guides, a recipe book, a weight scale, workout DVDs and more.
To learn how the program can help you meet your goals, visit www.umr.com.
Mrs. Cynthia A Hunter