Benefits


Benefits Information (2017-2018 Plan Year)

Open Enrollment for the 2017-2018 Plan Year

Penn Benefits Open Enrollment begins Monday, April 17 and ends Friday, April 28. Open Enrollment is your opportunity to make changes to your health care benefits for the 2017-2018 plan year, which begins July 1, 2017.

Plan Changes as of July 1, 2017

Penn is Doubling the Health Savings Account Seed Money

Effective July 1, 2017, Penn will double the employer contribution (seed) amount for Health Saving Account (HSA) enrollees in the Aetna High Deductible Health Plan.

The seed money will increase from $500 to $1,000 for the single tier, and from $1,000 to $2,000 if any dependents are covered. This money will fund your HSA account whether or not you decide to make additional contributions on your own. The deductible will remain the same under the single and family tier. This means that there will be more dollars for you to use, invest and/or save for future health expenses.

There will be presentations on the High Deductible Health Plan and the Health Savings Account on April 12 and April 24.

Copay Changes for PennCare/Personal Choice PPO, Aetna POS II, and Keystone/AmeriHealth HMO

Lower Retail Clinic Copays

Effective July 1, 2017 the retail clinic copay will decrease. Under the Personal Choice tier, the retail clinic copay will decrease from $30 to $25. The Aetna POS II retail clinic copay will decrease from $40 to $30, and the Keystone HMO retail clinic copay will decrease from $35 to $25.

Specialist Copay Changes

Effective July 1, 2017, the specialist copay will increase. Under the PennCare tier, the specialist copay will increase from $30 to $40. Under the Personal Choice tier, the specialist copay will increase from $40 to $50. The Aetna POS II specialist copay will increase from $40 to $50 and the Keystone HMO specialist copay will increase from $35 to $45. This change also impacts spinal manipulations for all three plans, as well as routine x-ray/radiology for the Aetna POS II plan.

Laboratory/Pathology Copay Change for PennCare/Personal Choice PPO Plan and Keystone/AmeriHealth HMO Plan

Effective July 1, 2017, a $25 copay will apply to laboratory/pathology under the PennCare/Personal Choice PPO Plan and the Keystone HMO plan.

New Health Care Flexible Spending Account Limit

The IRS has increased the limit from $2,550 to $2,600. A flexible spending account is a special account you put pre-tax money into that you use to pay for certain IRS eligible out-of-pocket healthcare costs.

Part-Time Healthcare Benefits

Regular part-time faculty and staff are eligible for the same healthcare plan offerings as full-time faculty and staff. The entire cost is paid by the member. Effective July 1, 2017, current part-time faculty and staff will also be eligible to enroll in the ACA plan. Administered by Aetna, Penn’s ACA plan doesn’t require a primary care provider or referral. The plan has in-network or out–of–network coverage. The individual deductible is $900 and the family deductible is $2,000.

It is important to note that the cost of the single coverage ACA plan is partially subsidized by the University. The cost of all other plans will still be paid by the member.

Specialty Medication

In addition to CVS Pharmacies and CVS Specialty Mail Service, specialty drug prescriptions can also be filled at the Hospital of University of Pennsylvania Pharmacy, Penn Presbyterian Medical Center Pharmacy, Pennsylvania Hospital Pharmacy, and Penn Medicine at Radnor Pharmacy.

Surgery Coverage

Sexual reassignment surgery coverage is available under all plans effective July 1, 2017.


Your Contributions

Your contributions for medical, dental, vision, and the flexible spending accounts are made with pre-tax dollars. You pay for employee and dependent life insurance with after-tax dollars. All contributions are taken from your paycheck in the month for which your benefits are effective. Your pay must support your contributions for the benefits elected. If that is not the case, then your enrollment cannot be processed.

Campus Locations To Access the Penn Benefits Website

If you don’t have internet access at home or at work, don’t worry—log on to manage your benefits at one of these convenient locations:

Goldstein Undergraduate Study Center
3420 Walnut Street (ground level of Van Pelt Dietrich Library)
Monday–Thursday: 24 hours daily
Friday: closes 12 midnight
Saturday: 10am–2am
Sunday: opens 10am

Human Resources
3401 Walnut Street
5th Floor
Monday–Friday: 8:30am–5pm

AppleOne Employment Services Penn Job Center
3440 Market Street, Suite 105
Monday–Friday: 8am–5pm

Are You Newly Eligible for Benefits or Have You Experienced a Qualifying Event?

If you’re newly eligible for benefits or you experience a qualifying life event between now and June 30, 2017, you’ll need to enroll twice: once to elect or change your benefits for the current plan year (through June 30, 2017), and then again to elect your coverage for the 2017-2018 plan year (starting July 1, 2017).

For More Information:

  • Download the 2017-2018 Benefits Open Enrollment Guide.

  • Attend an Open Enrollment and Wellness Fair
    Date Time Location
    Tuesday, April 18 10am-2pm Houston Hall, Hall of Flags
    Thursday, April 20 10am-2pm New Bolton Center, Alumni Hall

  • Attend an Open Enrollment presentation.
    Date Time Location
    Wednesday, April 5 11am-1pm Houston Hall, Golkin Room
    Tuesday, April 11 12pm-2pm The Arch, Room 108 
    *Wednesday, April 12   12pm-2pm Perelman School of Medicine, Biomedical Research Building 2, BRB Auditorium
    Wednesday, April 19 12pm-2pm Irvine Auditorium, G-16
    Thursday, April 20 11am-1pm Irvine Auditorium, G-16
    *Monday, April 24 11am-1pm Houston Hall, Hall of Flags
    Tuesday, April 25 11am-1pm Houston Hall, Golkin Room
    *Includes presentation on the High Deductible Health Plan and the Health Savings Account
  • Download the Open Enrollment Presentation 2017
  • Contact the Penn Benefits Center at 1–888–PENNBEN (1–888–736–6236), Monday–Friday, 8am–6pm (Eastern).
  • Contact HR via email.

IMPORTANT INFORMATION REGARDING
THE PATIENT PROTECTION AND AFFORDABLE CARE ACT (ACA)
INDIVIDUAL MANDATE

Effective January 1, 2014 under the Patient Protection and Affordable Care Act (ACA) all individuals and their family members are required to obtain health insurance or they may be subject to a tax penalty.

The health plan options listed here are provided to you, as an eligible participant in the University of Pennsylvania benefits program, and to your eligible dependents in accordance with Penn’s obligation under Employer Shared Responsibility provisions of the ACA.

It is important to remember that if you waive your University coverage, you are still responsible for obtaining coverage through some other source, such as a spouse or domestic partner’s plan or your parent’s plan (if you are under age 26); or you can obtain coverage via the Health Insurance Marketplace.

You are required to report to the IRS that you have coverage, whether through the University or some other source. The University has provided you with the required form (1095-C) in time for your tax filing. The 1095-C form will confirm that you were offered the minimum level of coverage each month and whether you elected the coverage or waived this coverage. For questions or to request a copy of your 1095-C, call Equifax at 1-855-823-3728.




Questions? Contact the Penn Benefits Center: 1-888-PENNBEN (1-888-736-6236). 
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