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On behalf of the Office of Employee Benefits, welcome to The University of Texas System. We'd like to introduce ourselves by telling you
more about the Office of Employee Benefits and our role within The University of Texas System. This presentation will provide an overview of the
Office of Employee Benefits and our benefits plan for this plan year.
Established by the Texas Legislature in 1990, The University of Texas Uniform Group Insurance program was created to maximize the benefits
and services that employees and retirees of The University of Texas system receive.
Today, the program is administered by the UT System Office of Employee Benefits, also known as OEB, under the direction of the UT System
Board of Regents and Chancellor. OEB weighs the needs and desires of over 200,000 employees, retirees, and dependents who
participate in the various insurance plans through the UT System's 16 institutions. This includes nine academic institutions, six medical
institutions and UT System Administration.
Let's talk about the benefits package offered for this plan year: September 1st, 2013 through August 31st, 2014.
The Basic Coverage package for benefits-eligible active employees includes UT Select Medical, Prescription Drug coverage, $20,000 Group Term
Life Insurance and $20,000 Accidental Death and Dismemberment insurance. The UT Select Medical plan is administered by Blue Cross Blue
Shield of Texas, Prescription Drug coverage is administered by Express Scripts and Basic Group Term Life Insurance and Accidental
Death and Dismemberment Insurance are provided by Dearborn National.
The UT Select Medical and Prescription Drug plans are self-funded.
Self-funded means that UT System determines the benefits and premium rates,
contracts with a third party administrator to provide the provider networks and to pay all claims. UT System assumes all risk in the event
that total claims expenses are greater than total premiums received. As a new employee you may
enroll yourself and your eligible dependents in the UT Select Medical plan.
We know good health is important to you and your family. That's why The University of Texas System offers UT Select members a great
resource: the Living Well Health and Wellness program. This program was established to encourage all employees, retirees, and
dependents to reach their potential and maintain the productivity necessary to meet the challenges of work and life.
By providing a variety of programs, tools, and resources, our goal is to enable employees,
retirees, and dependents to take charge of their health. Develop your own personal wellness
program utilizing all University of Texas System institutions' programs and services.
At the Living Well: Make it a Priority program website you'll find information to better assess and manage your health. This simple to use
program offers ideas for getting active, eating right, pregnancy, parenting and tobacco cessation. Be sure to check into what your
institution onsite wellness program has going on as well. For more details about our Living Well: Make it a Priority program and all its services
visit www livingwell.utsystem.edu.
The UT System is committed to helping tobacco users quit by offering UT SELECT covered members smoking and tobacco cessation
programs, pharmaceutical therapy, and nicotine replacement therapy at no cost to the member. Learn more about programs available at our
Living Well website. Wellness is so important that we have a comprehensive platform to help you take an active role in the quality of your life
offering you a reward for taking charge. The Office of Employee Benefits has teamed up
with Provant Health Solutions, an independent health and wellness company to provide the new health platform to UT Select Medical plan
members age 18 and above. This 24/7 comprehensive online health platform offers wellness workshops, exercise routines, and meal
plans. From the platform e-mail a dietitian or ask a personal trainer a question. You will have help identifying any health risk factors you may, tools
for positive choices to improve your long term health and a reward for taking positive action.
Members will receive a $25 gift card after registering at the platform site, completing the
health assessment, and completing your annual preventive exam all during this plan year. More
information is available by reviewing the Welcome Brochure available in English and Spanish.
Part of UT SELECT Medical is the Tobacco Premium Program. The use of tobacco is one of the leading preventable health risks worldwide.
Because UT System is committed to promoting a culture of wellness and disease prevention while also recognizing the costs associated with
treating tobacco related health conditions UT System implemented the Tobacco Premium
Program for tobacco users enrolled in the UT SELECT Medical plan.
A tobacco user is a person enrolled in the UT SELECT Medical plan, age 16 and above, who has used tobacco products within the past 60
days. As part of the benefits enrollment process you will need to declare your tobacco user or
non-users status for yourself and your eligible dependents. An out-of-pocket premium of $30 per month for UT SELECT Medical members who
use tobacco products will be applied to any tobacco user enrolled in the UT SELECT Medical plan. This premium also applies to your
spouse and dependent children. The premium for dependent children is $30 per month regardless of how many covered dependent children use
tobacco. Meaning, the maximum any family will pay is $90 per month if employee, spouse, and dependent children use tobacco.
All types of tobacco products are included as part of the Tobacco Premium Program including but not limited to cigarettes, cigars, pipes, clove
cigarettes, all forms of smokeless tobacco, chewing tobacco, snuff, dip or any other product containing tobacco, any other smoking devices
that use tobacco, such as hookahs. E-cigarettes (which contain nicotine) are also included under the Tobacco Premium Program. The next portion of
this video will focus on the general details of each type of insurance coverage.
Following we'll review out-of-pocket cost to you and premium sharing. The UT SELECT Medical plan is administered by Blue Cross Blue Shield of
Texas. Office visits have a $30 copay when visiting a Family Care Physician and $35 when seeing a Specialist. Out-of-network the plan pays
60%. The copay for visits to an emergency room are $150 per visit.
The emergency room copay will be waived if the patient is admitted to the hospital. The annual deductible, a set amount of out-of-pocket
expense, for in-network services is $350 per person and $1,050 per family. Out-of-network, the per person deductible is $750 and $2,250 per
family. If you reach your plan's out-of-pocket maximum, the plan pays 100% of eligible expenses for the remainder of the year.
The out-of-pocket maximum is $2,500 per person and $7,500 per family in-network.
Out-of-network the out-of-pocket maximum is $5,000 per person and $15,000 per family.
Preventive care and services is covered 100% when received in-network. The UT SELECT Medical plan includes a long list of preventive
care services that will be available to you with no copayment or coinsurance as long as you see a network provider and meet certain screening
eligibility requirements. Some examples of services covered under this provision include: routine physical exams, well woman exams,
well-child exams, immunizations for all ages, osteoporosis screenings, prostate screenings, and cancer screenings.
It is important to note you may incur some cost if the preventive service is not the primary purpose of the visit or if your doctor bills for services that
are not preventive. To view a comprehensive list of preventive care benefits through the UT SELECT plan, go to our Living Well: Make it a
Priority website. As an additional network option, the UT System Office of Employee Benefits and the University of Texas Southwestern Medical
center are continuing the collaborative health care pilot program called the UT Southwestern Network during the upcoming plan year.
If you or a covered family member receives care from a UT Southwestern physician or at a UT
Southwestern facility, your out-of-pocket cost will be greatly reduced or eliminated. Benefits include a $10 primary care and $10 specialist
copayment, no out-of-pocket cost for inpatient or outpatient care, no deductible and no coinsurance for services offered by UT
Southwestern. You do not have to be associated with UT Southwestern to be eligible for this benefit.
The prescription drug benefit is administered by Express Scripts. Your annual per person deductible is $100. After the deductible is paid
then you pay copayments as follows. The Generic copay is $10 for a 30-day supply at a retail pharmacy and $20 for a 90-day supply
through the mail. Preferred brand name drugs will be $35 retail and $87.50 by mail. Non-preferred brands will be $50 and $125.
In addition to the Basic Coverage package, active employees can select optional coverages at an additional cost for themselves and their
eligible dependents. Optional coverage includes UT SELECT Medical with Prescription Drug Coverage for eligible dependents, Dental, Vision,
Long Term Care, Additional Voluntary Group Term Life Insurance, Additional Voluntary Accidental Death and Dismemberment, Short-Term and
Long-Term Disability for employees only, and the option to participate in UT FLEX, flexible spending
accounts are offered for Health Care and Dependent Day Care expenses.
Over the next few minutes we will briefly describe each of these coverage options.
Three dental insurance options are available depending on where you live.
Dental choices are UT SELECT Dental, UT SELECT Dental Plus or, in some areas, DeltaCare USA, a Dental HMO. All dental plans
are provided by Delta Dental. UT SELECT Dental is funded through participant premiums. You have the freedom to be treated by any licensed dentist.
However, to receive the lowest out-of-pocket cost you must be treated by a network dentist. The annual deductible is $25 per person.
The plan covers preventive and diagnostic services at 100%. Basic Services are covered at 80% and Major Services are covered at 50%.
The Annual Maximum is $1,250 and the Lifetime Orthodontics Benefit is also $1,250. UT SELECT Dental Plus is funded through participant
premiums. You have the freedom to be treated by any licensed dentist. The Annual Deductible is paid by the plan. The plan covers Preventive and
Diagnostic Services at 100%. An increased benefit includes Basic Services covered at 100%
and Major Services covered at 80%. The Annual Maximum increases to $3,000 and the Lifetime Orthodontics benefit also increases to $3,000.
DeltaCare is a Dental HMO provided by Delta Dental. This plan has lower out-of-pocket costs than the UT SELECT Dental and Dental Plus
plans. The DeltaCare plan has no deductible but you must select a network primary dentist to receive any benefits and generally referrals to a
specialty dentist are required. There is no annual dollar maximum. The plan uses a fixed copayment schedule that covers routine
cleanings in full and other costs varying by service.
Out-of-network benefits are limited to dental emergencies.
Superior Vision offers two vision plan options to UT employees. The standard plan covers one comprehensive eye exam per plan year for a
$35 copay. Also allowed is a frame allowance up to $140. The plan fully covers standard lenses and allows for a contact lens fitting exam with a
$35 copay. While the standard vision plan is available with its robust and highly utilized plan design, for a small increase in premium, the
Vision Plus plan provides you with expanded, richer benefits including popular lens options covered in full and higher retail allowances.
The Plus plan offers $150 frame allowance, $150 contact lens allowance, and $120 progressive lens allowance.
Covered lens options are Scratch coat, Ultraviolet coat and (for dependents only) Polycarbonates.
Long Term Care Insurance is administered by CNA. Long Term Care Insurance provides funds for necessary services when an individual
becomes incapable of caring for him or herself. Long Term Care Insurance is not disability insurance. The Long Term Care plan,
administered by CNA, provides assistance in your home or care in a nursing facility. Choose one of five daily benefit levels.
Choose from either the Guaranteed Benefit Option or the Automatic Benefit Increase. You can find details about these benefit options at the
OEB website. This benefit is available not only to you, your spouse, and your children. It is also available to parents, grandparents, parents-in-law
and grandparents-in-law. Evidence of Insurability is not required for employees if you choose to enroll during your Initial Period of Eligibility.
If you elect not to enroll at this time Evidence of Insurability will be required as an employee at any time following and Evidence of Insurability is
always required for eligible dependents electing Long Term Care.
Enrolling for Long Term Care requires enrolling with CNA directly. Premiums are based on your age on the enrollment effective date. Long Term
Care is portable so if you were to ever leave your employment with UT System you can keep your Long Term Care coverage and your premiums
will remain the same. Included with the UT SELECT Medical plan is $20,000 Basic Term Life Insurance at no additional charge.
You have the option to add Voluntary Group Term Life Insurance from one to six times your annual salary.
Evidence of Insurability is required for amounts greater than three times annual salary. There is a $1.5 million maximum. You can elect dependent
Voluntary Group Term Life without Evidence of Insurability at $10,000 for your spouse and each covered dependent.
You can also elect an additional $15 or $40,000 coverage for your spouse which requires Evidence of Insurability. In order to elect Voluntary
Group Term Life Insurance coverage for your spouse or dependent children. You, the employee, must also be enrolled in Voluntary
Group Term Life Insurance. For all UT SELECT Medical members, Dearborn National has online features to designate your beneficiary and to
prepare your will. In addition to the $20,000 Accidental Death and Dismemberment included in the UT SELECT Medical plan at no additional
cost, Voluntary Accidental Death and Dismemberment is available to active employees up to 10 times your annual salary available in
multiples of $10,000 not to exceed one million dollars. The spouse of an active employee can have Voluntary Accidental Death and
Dismemberment up to 50% of the employee's Voluntary Accidental Death and Dismemberment benefit. It cannot exceed $500,000 and is
available in multiples of $10,000, As an active employee your children can be covered for $10,000 each under the Voluntary Dependent
Accidental Death and Dismemberment plan. In order to elect Voluntary Accidental Death and Dismemberment coverage for your spouse or
dependent children you must have at least $20,000 of Employee Voluntary Accidental Death and Dismemberment coverage.
Short-Term and Long-Term Disability Insurance are administered by Dearborn National. The Short- and Long-Term Disability benefit replaces
your income should you become disabled. Under the UT Benefit structure benefit payments are not taxable. Before becoming effective your sick
leave balance must be exhausted. Sick leave and the elimination period may run concurrently.
Your premiums may be waived during the disability period. With Short-Term Disability there is a 14-day elimination period before the benefit
begins. The elimination period is a time in which you must wait before being eligible for benefits.
The benefit pays 60% of your weekly salary up to $693 per week. The maximum period payable is 22 weeks for a disability not caused by a
pre-existing condition. It is four weeks for disability caused by a pre-existing condition. Long-Term Disability has a 90-day elimitation
period. This benefit pays 60% of your monthly earnings with a maximum of $12,025 per month. Your age at the time of an improved disability
determines the length of Long-Term Disability benefits.
If you have both Short-Term and Long-Term Disability and you are continuously disabled for the same accident or illness your coverage will
be seamlessly transitioned from Short-Term Disability to Long-Term Disability. While totally disabled and receiving Long-Term Disability
benefits you may also be eligible to qualify for a premium waiver for your Life Insurance coverage. Evidence of Insurability is not required for either
Short- or Long-Term Disability if you enroll during your Initial Period of Eligibility or a Change of Status Event. Evidence of Insurability will be
required if you elect to enroll during an Annual Enrollment period. UT employees have the option to participate in UT FLEX - Flexible Spending
Accounts that provide reimbursement for Health Care and Dependent Day Care expenses. A Flexible Spending Account is a plan authorized by
the Internal Revenue Service that lets you set aside money from your pay before taxes are withheld to pay certain medical or dependent
day care expenses. The UT FLEX plan has two different types of accounts available for tax savings opportunities. The Health Care
Reimbursement Account is for certain Health Care expenses for you and your eligible dependents. The Dependent Day Care
Reimbursement Account is for dependent care that allows you and your spouse to work or attend
school full-time. You may set aside a minimum of $15 per month up to a maximum of $2,500
for the Health Care Reimbursement Account and a maximum of $5,000 per year for the Dependent Day Care Reimbursement account. The benefit
to participating in the UT FLEX plan is that it can help reduce your taxes and increase your take-home pay. Here are some examples of the tax
saving benefit illustrated on this chart. Regardless if you participate in the HCRA or the DCRA, a combination of $600 in annual election
will save you approximately $126 in taxes. And if you elect the maximum amount for both the HCRA and the DCRA, a $7,500 in annual election
would be a tax savings of approximately $1,575. These examples assume a 15% tax bracket. If you are in a higher tax bracket the savings would
be even greater. Each account has an annual administrative fee of $12 per account that will be prorated for mid-year elections.
For your convenience a debit card is included as part of your Health Care Reimbursement Account at no cost to you. A debit card is not available for
the Dependent Day Care Reimbursement account. It is important to plan carefully with flexible spending accounts.
Please remember that any amount you do not use throughout the plan your will be forfeited. Know important dates like the last day to incur
expenses, file claims and, in the case of the HCRA, associated grace periods.
If you are a benefits-eligible full-time employee UT and the State of Texas will pay 100% of your premiums for the Basic Coverage package.
With dependents, up to 50% of the premiums for your dependents' medical coverage. If you are a benefits-eligible part-time employee you and the
State of Texas will pay 50% of your premiums for the Basic Coverage package and up to 25% of the premiums for your dependents' medical
coverage. Keep in mind additional monthly out-of-pocket costs exist for the optional coverages for both you, the employee, and any eligible
dependents you add to your plan. An employee may waive the Basic Coverage plan if satisfactory proof of other comparable Health
Insurance coverage is provided. A full-time employee may receive up to 50% of state premium sharing. A part-time employee may
receive up to 25% of state premium sharing. Employees can use state premium sharing to pay all or a portion of the premiums for Dental,
Vision, and Voluntary Accidental Death and Dismemberment coverages for themselves and their covered dependents.
As a new hire you have 31 days from your hire date, which is referred to as the Initial Period of Eligibility, to complete benefits enrollment for you
and your dependents. Employees moving from a non-benefits-eligible status to a benefits-eligible status also have 31-days from their change of
status to complete benefits enrollment. If elections are not made within the 31-day period of
eligibility, you will be required to wait until the next Annual Enrollment period or a qualified change of status event during the plan year to make
changes, including adding or dropping coverage. As a new hire, Evidence of Insurability is required for Voluntary Group Term Life Insurance for
employees requesting coverage more than three times annual salary. Spouses requesting more than $10,000 insurance coverage will also be
required to submit an Evidence of Insurability application. Any eligible dependents electing Long Term Care coverage will also be required to
submit an Evidence of Insurability application. Short-Term and Long-Term Disability coverage do not require Evidence of Insurability as a new hire.
However, if you decline coverage as a new hire and then elect coverage at a future date Evidence of Insurability may be required.
For questions or to gather more information about enrollment, eligibility, or anything else benefits related, contact a representative at your institution
Benefits office. There are a number of ways to begin saving for your retirement future. Options are divided into mandatory and voluntary plans.
The Teacher Retirement System of Texas, or TRS, is a defined benefit retirement plan governed by the Internal Revenue Service.
Eligible employees of The University of Texas System are automatically enrolled in TRS on their first day of employment unless they are eligible
for the Optional Retirement Program or ORP. ORP, also governed by the Internal Revenue Service, may be chosen by certain employees as
an alternative to TRS based on their appointment to certain positions. You will be notified by your
institution Benefits office if you are eligible for the ORP option. For more information about your TRS account please visit the TRS website at
www.trs.state.tx.us or call 1-(800)-223-8778.
Anyone receiving a salary who is not a contract employee can participate in the voluntary plans. In addition to full-time employees, this includes
graduate student employees, temporary or part- time employees and retiree rehires. Voluntary plan options are the UT Saver 403(b) Tax
Sheltered Annuity Program or the UT Saver 457(b) Deferred Compensation Plan. The UT System has selected six retirement providers
with which you can invest your Optional Retirement Program, UT Saver TSA and UT Saver DCP contributions.
You may select one or more providers depending on your investment and service needs. The providers are Fidelity Investments, ING,
Lincoln Financial Group, TIAA-CREF, and VALIC. Program information and resources are available at the OEB website, you'll find informational
videos, forms, and policies. From there you can easily enroll in UT Retirement Manager, a comprehensive online tool that helps you manage
and update your voluntary retirement accounts. Once you establish your account follow the promps to complete your enrollment with
your chosen provider. It's as simple as that. Thank you for taking the time to watch this video. Keep in mind this is an overview.
More detailed information outside this presentation is available to you. Refer to the UT Benefits handbook and plan guides for benefit
details. Explore the Office of Employee Benefits website at www.utsystem.edu/benefits
for benefits materials, vendor presentations, and contact information.
Always feel free to contact a Benefits Representative at your local institution Benefits office. If you have any questions or need
assistance, the Office of Employee Benefits staff is here to help make it a priority for you and your family to live well.
We're here to help you build a unique benefits package that cares for you today, tomorrow and beyond.
On behalf of the Office of Employee Benefits we wish you a healthy and successful year with The University of Texas System. Thanks for watching!