Human Resources

2019 Open Enrollment

Open Enrollment for 2019 benefits will start on November 1, 2018. 

 

New! - Benefit Enrollment Guide

2019 Premium rates are found in the new Benefit Enrollment Guide

 

Open Enrollment Period

OPENS: 8:30am Thursday, November 1, 2018

CLOSES: 5:00pm Thursday, November 15, 2018

 

Information Sessions

Monday, October 29, 2018 from 12:00 noon to 1:00 pm - Exley 150 (Tishler Hall)

Wednesday, October 31, 2018 from 4:15 pm to 5:15 pm – Usdan 108

Monday, November 5, 2018 from 12:00 noon to 1:00pm – Usdan 108

Information Session Slide Deck

 

Communication to Faculty and Staff, Wednesday, October 17, 2018

Dear Faculty and Staff,

We have been taking a hard look over the last year at how to provide medical benefit plans that are both valuable and affordable for employees and sustainable for the University. I would like to thank all who have contributed to this effort, including the Ad Hoc Benefits committee, the Compensation and Benefits Committee, and the Human Resources Advisory Group, as well as everyone who participated in the open forums over the summer or provided input directly to the HR team.

 

We face a challenging situation: medical and pharmacy claim costs have increased by more than 50% since 2015. If we make no changes to our plans, our insurance consultants have recommended an increase of more than 30% to medical premiums for employees and their families this year alone, which we believe to be an unreasonable burden.

 

After careful consideration, we have decided to proceed as follows:

 

2019 Premiums – Increase medical premiums by 10%, the same as last year

 

2019 Premium Subsidy – To continue to assist those employees earning less than an annualized salary of $59,847, the University will increase the subsidy applied to the medical premium by 10%

 

Plan Design Changes - In order to help manage expenses, the following changes will be implemented effective 1/1/2019 for the Open Access Plus (formerly named POS) and Open Access Plus In-Network (formerly named HMO) plans:

 

  • The In-Network deductible will increase from $200 to $500 for individuals and from $400 to $1,000 for family coverage
  • The Out-Of-Network deductible will increase from $350 to $750 for individuals and from $700 to $1,500 for family coverage
  • The In-Network out-of-pocket maximum will increase from $750 to $1,500 for individuals and from $1,500 to $3,000 for family coverage
  • The Out-Of-Network out-of-pocket maximum will increase from $1,500 to $2,500 for individuals and from $3,000 to $5,000 for family coverage
  • Copays for specialist office visits will increase from $25 to $35
  • Copays for urgent care will increase from $25 to $40
  • Emergency room copay will increase from $100 to $200
  • Inpatient and outpatient services and procedures will be subject to the annual deductible
  • Medical and pharmacy management programs (such as specialty drug pre-authorizations and greater Cigna case management) designed to lower overall costs will be implemented
  • No changes to the Open Access Plus High Deductible Plan

 

Our goal in making these changes is twofold—mitigate the premium burden on employees, and moderate the increases in medical and pharmacy claim costs to the University.

 

Next Steps:

 

A detailed open enrollment guide will be distributed to the campus community during the week of October 29. Open enrollment forums fully describing the plan changes will begin that same week and continue through November 15. The open enrollment period in which you can make changes to your current plan begins on November 1 and lasts until November 15, with all changes taking effect January 1. If you do not make an active benefit plan change, your existing plan choices will roll over into the 2019 plan year. (Note: As with every year, Medical Expenses Reimbursement Account (MERA) and Dependent Care allowances and Health Savings Accounts (HSA) do not roll over. They must be reselected each year.) Please email any questions to the Benefits Office staff at benefits@wesleyan.edu.

 

We recognize that another 10% increase in premiums and greater out-of-pocket expenses will be a burden for our employees and their families. The University will absorb the portion of the cost increase not addressed by the plan changes and increases in employee contributions.

 

Our goal remains to provide first-rate benefit plans that are fiscally sustainable for the University and affordable for faculty and staff.

 

Andy Tanaka

SVP, Chief Administrative Officer and Treasurer