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Human Resources

2014 Changes

Print friendly Modified January 8, 2014
USG Benefits

In 2014, we will offer consistent, comprehensive benefits to employees at all of our institutions. Some 2014 plans may look familiar, and others may be new to you. Keep reading to learn more, then take time to review your options and decide what’s best for you and your family.

Healthcare

What's Changing What It Means to You What You Need to Do

Mail order

  • Mail order prescription drug option now available on all of our healthcare plans: Now you can choose to pick up your medication(s) at the pharmacy — or save yourself a trip and have a 30‑ or 90‑day supply mailed to your door.

HSA Open Access POS

  • You’ll pay 15% coinsurance (up from 10%) for in-network care after you’ve met the deductible.

  • There will be a separate out-of-network deductible for this plan beginning in 2014. The out-of-network deductible is $2500 for individual and $5000 for family coverage. The in-network deductible will remain at $1500 for individual and $3000 for family coverage. In-network and out-of-network claims will be added to the appropriate deductible. The out-of-network deductible claims will no longer cross accumulate into the in-network deductible.

Open Access POS

  • The emergency room copay will increase from $50 to $150.

  • The out-of-network deductible increases from $400 for individual coverage and $1,200 for family coverage to $500 for individual coverage and $1,500 for family coverage.

  • The out-of-network annual maximum increases from $2,000 for individual coverage and $4,000 for family coverage to $3,000 for individual coverage and $5,000 for family coverage.

  • Prescription drug brand name copays increases to $35.

  • Affordable Care Act requirement: Out-of-pocket maximums will include copayments for office visits and emergency room visits.

BlueChoice HMO and Kaiser Permanente HMO

  • The primary care physician office visit copay increases to $20 (up from $15).

  • Affordable Care Act requirement: There is an out-of-pocket maximum of $6,350 for individual coverage and $12,700 for family coverage.

Wellness

  • A $50 tobacco surcharge applies to both the employee/retiree and any covered spouse and dependents age 18+ who are covered under the USG healthcare plans and use tobacco. A $50 surcharge will be added to your health plan premium for you and each covered dependent age 18+ who uses tobacco.

Retiree

  • New retirees with retirement date of January 1, 2014, or after, and current non-Medicare eligible retirees, spouses or dependents who either turn 65 or become Medicare eligible on or after January 1, 2014, will have secondary coverage through your USG health plan.
  • Take a fresh look at your options — don’t assume that what worked for you last year will still meet your needs.
  • Compare your healthcare coverage options and elect the option that best fits your family’s needs.

  • Learn more about your options.

Health Savings Account (HSA)

What's Changing What It Means to You What You Need to Do
  • U.S. Bank provides the HSA for USG employees enrolled in the HSA Open Access POS for 2014.
  • If you elect to contribute to an HSA, you will receive a U.S. Bank debit card and welcome kit that make it easy to access and manage your accounts throughout the year.

  • If you currently have an active HSA through U.S. Bank, you can keep and use the account / debit card you already have.

  • Elect to open an HSA.

  • Learn more about this account.

Flexible Spending Accounts (FSA)

What's Changing What It Means to You What You Need to Do
  • U.S. Bank will provide FSAs in 2014.

  • The Limited Purpose FSA (LPFSA) is a new savings option for employees who enroll in the HSA Open Access POS plan. Your contributions to the LPFSA may be used to pay eligible dental and vision expenses only.

  • The Dependent Care FSA can be used to pay eligible dependent care expenses.

  • If you elect to contribute to a healthcare FSA or LPFSA, you will receive a welcome kit that makes it easy to access and manage your accounts throughout the year.

  • If you open an LPFSA, you will use the same card you’ll use for your HSA, and funds will automatically be applied to the correct account.

  • Elect an FSA or HSA during enrollment.

  • If you plan to enroll in the HSA Open Access POS plan, you can elect an LPFSA to pay for eligible dental and vision expenses.

  • Learn more about these accounts.

Dental

What's Changing What It Means to You What You Need to Do
  • Delta Dental offers two plan options — a great Base option as well as a High option that features a higher annual maximum benefit and coverage for child and adult orthodontia.
  • Compare your options and elect the option that best fits your family’s needs.

  • Learn more about your dental plan options.

Vision

What's Changing What It Means to You What You Need to Do
  • EyeMed offers a vision plan to all USG employees. Its provider network includes top retail chains, such as LensCrafters®, Sears OpticalSM, Target Optical®, JCPenney Optical® and many Pearl Vision® locations.
  • Most employees have access to local, in-network providers.

  • If you need care before you receive your card, print out a temporary card at http://www.eyemed.com.

  • Elect vision coverage during enrollment.

  • Learn more about your vision plan option.

Life Insurance and AD&D

What's Changing What It Means to You What You Need to Do
  • Minnesota Life provides Basic and Supplemental Life options for you and your dependents:

    – You may elect up to eight times your salary to a plan maximum of $2.5 million. As a new employee or a newly eligible employee, you must provide proof of good health for any election over three times your annual salary.

  • You may also elect either spousal life or child life offered by Minnesota Life.

    – Spouse coverage of $10,000 to $500,000 - as a new or newly eligible employee, if you elect to cover your spouse for an amount over $50,000, proof of good health is required.

    – Child coverage options of $5,000, $10,000, or $15,000 are available with no proof of good health required.

  • Accidental death & dismemberment (AD&D): Stand-alone Supplemental AD&D insurance is available in increments of $10,000 up to $500,000 for employee-only or family coverage.

  • You’ll receive basic life and AD&D insurance equal to $25,000 at no cost to you.

  • You need to review all of your supplemental life insurance options and choose options that best suit you and your family’s needs.

  • Depending on your life insurance needs, you or your spouse may be required to provide proof of good health.

  • Review your options and elect employee, spouse, and child life insurance coverage.

  • Learn more about your Life insurance coverage options.

Disability

What's Changing What It Means to You What You Need to Do
  • Your short-term disability (STD) and long-term disability (LTD) options are available through MetLife.

    – STD: After you’ve been disabled for 14 days, this benefit replaces 60% of weekly salary, up to $2,500. Benefits may last up to 11 weeks.

    – LTD: This benefit replaces 60% of your monthly salary, up to $15,000 per month. Benefits start 90 days after your disability begins.

  • STD: There are no pre-existing condition exclusions with this benefit option. Proof of good health is required for late entrance.

  • LTD: You may not be eligible for LTD benefits for 12 months if you received treatment for a condition within three months of when your disability coverage begins. There is no proof of good health requirement for this benefit.

  • Elect disability coverage during your enrollment.

  • Learn more about your STD and LTD coverage.