Penn Faculty Benefits News: April 15, 2019

Open Enrollment: Monday, April 22-Friday, May 3, 2019

Penn Benefits Open Enrollment is your annual opportunity to make changes to your healthcare elections. While Open Enrollment is still a few weeks away, we want to give you plenty of time to learn about the upcoming changes.

There are many new developments for you to consider as you choose a plan for you and your family. Be sure to carefully review your enrollment information mailings and use the many tools and resources that Penn provides to help you make an informed decision.

For more information about your benefits, visit www.hr.upenn.edu/openenrollment. You'll have access to benefit comparison charts, contribution charts, and more.

Plan Changes as of July 1, 2019

No Increase in Medical and Dental Rates

Your cost for medical and dental coverage will not increase for the 2019-2020 plan year.

Thanks to plan design changes, favorable claims experience, enhanced prescription drug management, wellness initiatives and better employee consumerism, Penn's faculty and staff enrolled in a medical plan will not see an increase in the 2019-2020 plan year.

Although the healthcare market in general has experienced approximately 5% medical cost inflation over the past few years, Penn's plan costs have been much lower than the industry trend.

Enhanced Life Insurance with MetLife

On July 1, MetLife will become Penn's life insurance provider. Penn's Basic Life Insurance for eligible faculty and staff will continue to be 1 x your benefits base salary up to $300,000. Penn provides Basic Life Insurance coverage at no cost to you. Additionally, the cost for Supplemental Life Insurance has been significantly reduced.

A One-Time Opportunity to Increase Supplemental Life Insurance Coverage

Supplemental Life Insurance is available with coverage of up to 5 x your annual salary up to a total of $1,000,000.

MetLife offers a higher guaranteed issue for Supplemental Life Insurance. That means eligible faculty and staff have a unique opportunity to increase the amount of coverage before providing evidence of insurability (i.e. proof of good health). If your Supplemental Life Insurance coverage is at the current maximum of $500,000, you may be eligible to increase coverage up to 5 x your salary, to a maximum of $750,000, depending on your salary. If you select a coverage level above $750,000 you must provide additional evidence of insurability.

To take advantage of this opportunity, you must elect this increase during this year's Open Enrollment period.

Workday@Penn

This spring’s Open Enrollment period will be the last one using Penn’s current benefits enrollment system.

On July 1, Workday@Penn, the University’s new human resources and payroll system, will become the benefits enrollment and administration platform. With the launch of Workday@Penn in July, your benefits elections records will automatically be transferred to a new system and you'll be able to make beneficiary changes and declare qualifying life event changes on the convenient, state-of-the-art Workday@Penn website, www.workday.upenn.edu.

Be sure to review your choices even if you plan to keep the same coverage you have now, so the correct information about your selections can be transferred to the new system. After the Workday@ Penn launch, healthcare benefits changes can only be made if you declare a qualifying life event.

Health Care and Dependent Care Flexible Spending Accounts (FSA)

When you participate in a Health Care FSA, you set aside pre-tax dollars to use for certain out-of-pocket healthcare costs. The IRS has increased the FSA limit from $2,650 to $2,700 for the 2019 calendar year.

This year, you will make your FSA election in the current ADP system.

Starting July 1, you can manage your Penn Health Care and Dependent Care FSA on the new, enhanced WageWorks platform. This platform upgrade will provide a better mobile experience with access to FSA apps and improved tools.

To facilitate the upgrade, you will be issued a new orange and blue debit card. You can only use the new card for your expenses incurred after July 1, 2019. Please note you can only rollover $500 to the next plan year, so be sure to submit your claims for the current plan year in a timely manner.

Health Savings Accounts (HSA) for HDHP

An HSA is a tax savings account for High Deductible Health Plan participants. HSA funds may be used to offset the cost of care. Penn will contribute to your HSA $1,000 for single coverage or $2,000 for family coverage. You can also contribute additional money to an HSA via pre-tax payroll deductions.

Penn's Health Savings Account administration is moving from Aetna/ Payflex to WageWorks. A new account will be opened for participants at BNY Mellon. During Open Enrollment, in order to establish your new account, you will be required to agree to the BNY Mellon Terms and Conditions. If you have funds in your HSA at the end of the plan year, they will be transferred to a new bank, BNY Mellon.

HDHP plan participants should watch for important notification in the mail and your email inbox. You will receive new debit cards for the 2019-2020 plan year. You can expect to receive your employer contribution in early July.

WageWorks will transfer your HSA balance to BNY Mellon by early August. BNY Mellon will add these funds to your new HSA. If you do not want these funds to be moved, you will receive instructions to opt out of the transfer and you will be responsible for managing any ongoing monthly service fees.

The IRS has announced an increase in the HSA family maximum contribution by $50 for calendar year 2019. The single contribution limit will be $3,500 and the family contribution limit will be $7,000- inclusive of your employer contribution.

Account Rules Reminder

Penn is updating its FSA and HSA processes, however the rules for using these accounts remain the same. You may still need to provide receipts to verify that your claims are qualified expenses in accordance with IRS guidelines. The new WageWorks platform makes it easier for you to submit receipts, verify expenses and manage your accounts.

New Behavioral Health Networks for PennCare/PersonalChoice PPO and Aetna POS

Quest Behavioral Health will be the new behavioral health administrator for the PennCare PPO plan, replacing Penn Behavioral Health. It is important to note that all of the Penn Behavioral Health network providers are transitioning to the Quest network. Plus you may have access to additional providers from the Quest network.

Participants in the Aetna Choice POS Plan will change from the Penn Behavioral Health network to Aetna Behavioral Health network providers for services. You can check your provider's participation with Aetna through Aetna Navigator at www.Aetna.com.

If you or your dependents are currently receiving treatment through a provider who is not in the Aetna or Quest network, a transition of care plan will be developed for you.

Participants in the Aetna HDHP Plan will continue to use Aetna Behavioral Health network providers and Keystone Health Plan participants will continue to use the Magellan network.

Dermatology Screening as Preventive Care

This year Penn is adding an annual dermatology visit to the list of preventive screenings that have a $0 copay. This benefit is being added to all medical plans, except the Aetna High Deductible plan. Under current regulations, the High Deductible plan cannot have $0 copay for any services other than the ones specifically designated as preventive under ACA. Dermatology is not on that list. .

Presentations

Several on-campus Open Enrollment presentations will be held where faculty and staff can learn details and ask questions about their benefits options.

Visit www.hr.upenn.edu/calendar for the schedule of presentations and fairs.

Wellness Fairs

At the Wellness Fairs, representatives from Penn's healthcare providers and wellness partners will be on-site to share information. Learn about medical plans, prescription drug coverage, dental plans, vision coverage, flexible spending accounts, and the Penn Benefits Center. You can also take advantage of free health-related screenings and activities, plus learn about year-round wellness offerings for faculty and staff.

Fair Date	Time	Location
Tuesday, April 23	9:30am–1:30pm	Houston Hall, Hall of Flags
Thursday, April 25	10:00am–2:00pm	New Bolton Center, Kennett Square

Benefits Solution Center powered by Health Advocate

Effective July 1, Health Advocate will become Penn’s benefits call center service provider. The same quality service Health Advocate offers for our Employee Assistance Program and health advocacy program will be available for benefits enrollment.

You can access Health Advocate’s knowledgeable specialists by calling 866-799-2329.

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Tips for Saving on Prescriptions

Prescription medication plays a key role in health care for many people. All of Penn’s medical plans for eligible faculty and staff include prescription drug coverage through CVS/caremark. Under Penn’s plans, out-of-pocket costs shouldn’t prevent you from getting the right medications for your needs. Use these tips to make sure you get the most out of this important health care benefit.

Use a participating in-network pharmacy.

The online Pharmacy Locator Tool can help you find a network pharmacy in your area.

Get 90-day supplies of maintenance drugs.

If you use a retail pharmacy for more than three 30-day fills of a maintenance medication, you’ll pay double the normal coinsurance amount as well as double the minimum and maximum copays. If, however, you get 90-day supplies, your coinsurance and copays remain the same no matter how many refills you get.

Maintenance medication and the 90-day retail pick-up option are only available at CVS pharmacies. You may also use the CVS/caremark Mail Service pharmacy to receive your maintenance medications at your address of choice.

Use generic drugs if possible

Most drugs have effective, proven generic equivalents that cost much less than the name brands. If you choose to get a brand-name drug instead of an available generic equivalent, you pay a percentage of the cost of the brand-name version plus the cost difference between the brand name and the generic—and this difference doesn’t count toward the minimums and maximums.

Compare prices with Caremark’s Cost Estimators.

Use the drug cost estimators listed below to check the costs of your prescription under various Penn medical plans.

PennCare/Personal Choice PPO, Aetna Choice POS II, and Keystone/AmeriHealth HMO Plan

Cost Estimator for Non-HDHP Plans

Aetna HDHP

Cost Estimator for Aetna HDHP Individual Plan before deductible is met

Cost Estimator for Aetna HDHP Family Plan before deductible is met

All Aetna HDHP Plans after deductible is met

Fill specialty prescriptions at participating pharmacies.

If you or your dependent requires a specialty prescription, specialty drugs can be dispensed at CVS Pharmacies, CVS Specialty Mail Service, and Penn Medicine specialty pharmacies.

Remember, you have access to no-cost preventative products.

Certain preventative medicines and health-related products such as vaccines and tobacco cessation medication are available at no cost to plan participants. You can download a list of these preventative products from www.caremark.com. Please contact your health plan provider for complete coverage details.

For more details and links, visit the Prescription Drug Coverage webpage.

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Be in the Know Spring Wellness Activities

Penn’s 2018-2019 Be in the Know campaign goes beyond biometric screenings. As the weather warms up this spring, you can earn points for wellness activities and receive up to $300 for the campaign year.

Step 1 in Be in the Know is the biometric screening. If you missed the fall and winter on-campus screenings, you can still participate.

Register for the next on-campus screenings at the links below:

May 9, 9:00-1:00pm, Houston Hall, Hall of Flags

June 18, 9:00-1:00pm, Houston Hall, Bodek Lounge

You can also submitting screening results obtained by your own physician between July 1, 2018 and June 30, 2019. To earn credit, download Be in the Know Biometric Screening Consent Form, fill out the form, then submit your results to AREUFIT Health Services, Inc. The deadline to submit your biometric screening documentation for this year’s Be in the Know campaign is July 31, 2019.

Step 2 is taking StayWell’s online health assessment at Penn’s secure wellness portal, penn.staywell.com.

When you complete step 1 and 2, the Core Actions, you’ll earn your first 100 points and a $100 cash incentive.

Step 3, Bonus Actions, give you the opportunity to further impact your health and earn more. You can earn up to an additional 200 points and $200 in Bonus Action incentives. Chose from dozens of healthy Bonus Actions listed on the Be in the Know webpages. Qualifying activities include:

• Annual Eye, Dental, and Medical Exams
• On-Campus Wellness And Work-Life Events
• On-Campus Financial Wellness Events
• Community Activities Such as 5K Walks, Biking Races, or Marathons
• StayWell Online Programs and More.

Use the Proof of Bonus Actions Form to receive credit for certain Bonus Actions.

If you rack up 350 or more total Be in the Know points during this year’s campaign, you’ll also reach Be in the Know VIP status and qualify for a special gift.

Visit www.hr.upenn.edu/beintheknow for campaign details.

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Workday@Penn Launches July 1

Once Workday@Penn goes live on July 1, all faculty, staff, and student workers will be able to use its self-service functions to perform tasks such as viewing total compensation and pay slips or making changes to your benefits information.

Most faculty, staff, and student workers will use an orientation webinar, tip sheets, and other online resources for just-in-time Workday@Penn training. The Penn Employee Solution Center will also be available to answer specific questions.

This spring, many faculty affairs, business, and payroll administrators who use Penn’s legacy systems will receive in-person or virtual training tailored to their Workday roles.

Workday@Penn offers dramatically improved transparency, real-time information, and an integrated platform for Penn’s 21st century workforce.

Workday@Penn is part of the Human Capital Management (HCM) Transformation Initiative. More than a technology replacement project, it will transform how Penn delivers services related to the broad range of human capital management, such as staff recruitment, faculty and staff benefits administration, payroll, time management, and more. You will enjoy simplified, efficient, modern processes that provide more access to your own information, in one secure place.

For more information about Workday@Penn, visit www.workday.upenn.edu.