2019-2020-mica-employee-benefit-guide_v4

MICA Employee Benefits Guide 2019/2020 2019/2020 MICA Employee Benefits Contents Welcome! Plan Year Eligibility Life Changing Events Medical Benefits Medical Plan Option 1: Basic PPO (90/70) Medical Plan Option 2: Premium PPO (100/80) Pharmacy Benefit Tools & Resources for Your Medical Plans Dental Benefits 13 Dental Plan Comparison 13 DHMO Dental Plan Features 14 PPO Dental Plan Features 19 Employee Benefits and Contributions: Dental and Medical Insurance 21 Retirement 22 Core Benefits 23 Group Life and AD&D 23 Short Term Disability 25 Long Term Disability 27 Employee Assistant Program (EAP) and Health Advocate 30 Voluntary Benefits 31 Supplemental Life Insurance 31 Voluntary Benefit: Vision Insurance 32 Employee Benefits and Contributions: Vision Insurance 35 Voluntary Benefit: The Hartford Plans 36 Voluntary Benefit: Flexible Spending Account (FSA) 52 Contacts 58 Additional Benefits 59 Important Notices 61 Newborns’ and Mothers’ Health Protection Act Notice 61 Notice of Health Information Privacy Practices 61 Women’s Health and Cancer Rights Act Notice 61 Special Enrollment Notice 62 Children’s Health Insurance Program 63 New Health Insurance Marketplace Coverage Options 66 Important Notice About Your Prescription Drug Coverage and Medicare 69 2019/2020 MICA Employee Benefits Welcome! MICA takes pride in offering a comprehensive and competitive benefits package to employees MICA, through all of its benefit partners, offers you a benefit program that allows choice and flexibility One of the most important things you can is learn about your benefits options MICA’s benefit program offers a number of options with a variety of costs so you can choose your own benefits package that meets your needs and your budget Think about what benefits were important to you in the past and try to anticipate your needs for the next year You will probably want to work through these decisions with your family It is important that you take the time to review all of the plan options available to you Consider each benefit and the associated cost carefully and choose the benefits package that will best meet you and your family’s needs throughout the year Plan Year st st MICA’s benefit plan year runs from June through May 31 of the following calendar year to correspond with the fiscal year Open enrollment is held in April each year, which allows you the opportunity to change your benefits for the upcoming plan year If you miss the open enrollment period, you will not be able to make changes to your benefits until the next open enrollment, unless you have a life status change All new employees’ coverage begins on the first day of the month following or coinciding with your hire date Enrollment is required through the Benelogic Online Open Enrollment System at www.mica.benelogic.com within 31 days of your start date Be sure to enroll in your benefits on time If you miss the enrollment period, you will not have an opportunity to make changes to your benefits until the next open enrollment period Exceptions: You may enroll or make changes to the 403(b) Retirement Plan and/or Commuter Benefits throughout the year The College has a right to change these benefits at its discretion Changes may be approved by the Board of Trustees (or its Executive Committee), The President or Vice-President and Treasurer of the Institute, or by another official to whom one of these has delegated the amendment power If you have any questions about these or any benefits at Maryland Institute College of Art, call the Human Resources Dept This benefits summary describes the highlights of our benefits Your specific rights to benefits under the plan are governed solely, and in every respect, by the official documents and not the information in this summary If there is any discrepancy between the descriptions of the programs as contained in this brochure and the official plan documents, the language of the official plan document shall prevail as accurate Please refer to the plan specific documents for detailed plan information Eligibility 2019/2020 MICA Employee Benefits You are eligible for benefits if you are a regular full-time or part-time MICA employee Full time employees are those who work 30 or more hours a week and full-time contract faculty Eligibility and cost sharing is dependent upon full-time and part-time definition Coverage begins on the first day of the month following or coinciding with your hire date Eligible Dependents Include: • • • Married Spouses Domestic Partners Dependent children to age 26 (Children are eligible until the end of the calendar year that they turn 26) Life Changing Events You can make changes to your medical, dental, vision, and Flexible Spending Account elections during the year only if you have an IRS approved “qualified status change.” You must make a change within 31 days of the event If you experience a life status change, keep in mind that the benefits changes you make must relate to the life status change For example, you may add or drop dependents if these changes are related to your life status change, but you cannot change plan types You can change your benefits within 31 days if you experience one of the following life changes: • • • • • • • • • Marriage, divorce, or legal separation Birth or adoption of child Death of a covered dependent Job status change (Full-time to Part-time or vice versa) Your spouse becomes eligible for medical benefits through new employment Your spouse becomes unemployed and loses benefit coverage A significant change in your spouse’s health coverage attributable to your spouse’s employment Ineligibility of your covered dependents due to: o Marriage o Change in dependent status Loss of other coverage due to circumstances not listed (detailed explanation required) If you experience a life status change, written notification for the purpose of modifying your plan is required to be submitted to the Human Resources department within 31 days of the status change MICA may require additional documentation to ensure that requested changes become effective on the first day of the following month of the life status change, not the date of the life status change (except for birth or adoption.) 2019/2020 MICA Employee Benefits Medical Benefits MICA has partnered with CareFirst, our health plan administrator, to provide you and your family national access to high quality healthcare providers nationwide You can choose between two medical plans Both plans covers a broad range of healthcare services and supplies, including prescriptions, office visits, and hospitalizations The plans differ when it comes to how they share costs with you Please refer to the summary below for details on each medical plan option Medical Plan Option 1: Basic PPO (90/70) 2019/2020 MICA Employee Benefits Medical Plan Option 1: Basic PPO (90/70) Continued 2019/2020 MICA Employee Benefits Medical Plan Option 2: Premium PPO (100/80) 2019/2020 MICA Employee Benefits Medical Plan Option 2: Premium PPO (100/80) Continued 2019/2020 MICA Employee Benefits Pharmacy Benefit MICA has partnered with CareFirst, our health plan administrator, to provide you and your family access to pharmacy benefits The pharmacy benefits are included with either of the two medical plans and are the same for both plans Below is a high level benefit highlight of the pharmacy benefit 2019/2020 MICA Employee Benefits Tools & Resources for Your Medical Plans 2019/2020 MICA Employee Benefits 55 2019/2020 MICA Employee Benefits 56 2019/2020 MICA Employee Benefits 57 2019/2020 MICA Employee Benefits Contacts We are always just a phone call away! Please feel free to reach out to us via the phone numbers below or visit the website to view your claims, request an ID card, locate a provide, and much more! Carrier Line of Coverage Medical Prescription/RX Carrier Carefirst BCBS Carefirst/ CVS Carefirst Carefirst Website www.carefirst.com www.caremark.com United Concordia www.unitedconcordia.com Vision EyeMed www.eyemedvisioncare.com Life Disability Critical Illness, Accident and Hospital Indemnity Individual Short Term Disability Aetna Aetna The Hartford www.aetnadisability.com thehartford.com/employeebenefits The Hartford thehartford.com/employeebenefits Flexible Spending Accounts Health Advocate / EAP Benefit Resource,Inc www.benefitresource.com 800-473-9595 Health Advocate www.healthadvocate.com/members 866-799-2728 Email: answers@healthadvocate.com 24hr First Help (Nurse) Locate Out of Area Providers Dental Phone Number 877-691-5856 800-241-3371 800-535-9700 800-810-2583 DHMO: 866-357-3304 PPO: 800-332-0366 866-939-3633 or 866-800-5457 800-523-5065 866-326-1379 866-547-4205 469-417-1952 Fax 800-549-6514 866-411-5613 Fax MICA HR If you have any questions or concerns, please always feel free to reach out to your Human Resources representatives The HR office is located in the Bunting Building, Room 310 Reach out to HR at humanresources@mica.edu or 410-225-2363 58 2019/2020 MICA Employee Benefits Additional Benefits Long Term Care Insurance: Group discounts are available to you for long term care insurance This becomes necessary if you become incapacitated due to accident, illness or aging and need assistance for more than 90 days The assistance can take the form of someone to help with activities of daily living, such as bathing, dressing, eating, transferring, continence, or toileting Long term care insurance is available to employees, spouses/partners, parents, parents-in-law, grandparents & grandparents-in-law, and retirees For further information contact Sally Leimbach at TriBridgePartners Phone: 410-659-3702 and Email: sally.leimbach@tribridgepartners.com Family Medical Leave Act (FMLA): FMLA is administered by Aetna If you have to take a leave from work for family or medical circumstances, please reach out to Aetna You can start your claim by phone at 1-866-326-1379 or via the website at www.aetnadisability.com You can also visit the Aetna Mobile app: www.aetna.com/mobile Johns Hopkins Federal Credit Union: JHFCU extends their membership benefits to MICA employees JHFCU offers high-rate savings accounts; the ability for you to make purchases and pay bills with an easy-to-use debit card and online bill payment system; and competitive lowrate loans to help you get an education, buy a car, or purchase a home JHFCU also gives you convenient and easy access to your money, with branches on nearby Hopkins campuses, free online and telephone banking 24 hours a day, and over 26,500 surcharge-free ATMs in Maryland and across the nation Visit www.jhfcu.org or call 410-534-4500 MICA Fitness: Join MICA’s Wellness center which hosts a variety of cardio and weight machines as well as group fitness class Deductions can be taken directly from your paycheck at just $9.23/ per pay period Visit www.mica.edu/fitness, call 410-225-4951, or stop by for more information Discounted Membership at the University of Baltimore Recreation Center: www.ubalt.edu/campusrec or call 410-837-5591 Employee Discount Program: Employees receive discounts at a variety of restaurants, shops, etc.! Please visit the Staff Enrichment Council’s website to view the complete list: https://www.mica.edu/Staff/Staff_Enrichment_Council/Employee_Discount_Card.html “Live Near Your Work” Program: Down payment and settlement costs are one of the biggest barriers to homeownership, especially for first-time home buyers Full-time employees are able to apply to the program, as long as they are looking to purchase a home in the target area For more information and to see the target area map, please visit: https://www.mica.edu/About_MICA/Departments_and_Services/Human_Resources/Benefi ts/Live_Near_Your_Work_Program.html MICA College Store: Bring your employee ID to review a 10% employee discount at the MICA Store 59 2019/2020 MICA Employee Benefits Pet Friendly Workplace: MICA recognizes the role that pets can play in the lives of students, staff, and faculty All pets must be registered with the Operations Division before they are allowed to come to campus By bringing your pet to campus, you are assuming all culpability releasing MICA of any liability Please go to https://www.mica.edu/About_MICA/Policies_and_Handbooks/Additional_Policies/Pets.html to learn more about the pet policies and how to register your pet Tuition Remission and Tuition Exchange: MICA offers Tuition Remission for Continuing Education classes as well as full-time degrees Please visit https://www.mica.edu/About_MICA/Departments_and_Services/Human_Resources/Benefit s/Additional_Benefits.html to learn more about the program MICA is part of the Tuition Exchange partnership and allows up to Full-Time employees the opportunity for their dependents to apply for Tuition Exchange scholarships Please visit https://www.mica.edu/About_MICA/Departments_and_Services/Human_Resources/Benefit s/Tuition_Exchange.html to learn more about the program Liability You are covered by the College’s liability insurance while acting within the scope of your responsibilities on College business This protection, however, only cover you the employee It does not extend to your vehicle being used on College business The vehicle is presumed to be covered by the owner’s insurance policy If you are unwilling to accept this limitation, you should not drive your personal vehicle on College business Social Security and Unemployment Compensation All employees, full and part-time, are covered by Social Security on the standard matching basis All employees are covered by the State of Maryland Unemployment Compensation Program 60 2019/2020 MICA Employee Benefits Compliance Notices Newborns’ and Mothers’ Health Protection Act Notice Group health plans and health insurance issuers may not, under federal law, restrict benefits for any hospital length of stay in connection with childbirth for the mother or newborn child to less than 48 hours following vaginal delivery or less than 96 hours following a cesarean section However, federal law generally does not prohibit the mother’s or the newborn’s attending provider, after consulting with the mother, from discharging the mother or her newborn earlier than 48 hours, or 96 hours as applicable In any case, plans and insurers may not, under federal law, require that a provider obtain authorization from the plan or the insurance issuer for prescribing a length of stay not in excess of 48 hours/96 hours Notice of Health Information Privacy Practices The privacy of your medical information is important to us As a participant in a medical plan sponsored by MICA, you may receive a HIPAA Privacy Notice The HIPAA Notice describes how medical information about you may be used and disclosed and how you can get access to this information For more information about our privacy practices or for additional copies of the HIPAA Privacy Notice, please contact us using the information provided Contact: Human Resources Address: 1300 W Mt Royal Avenue Baltimore, MD 21217 Phone: 410-225-2363 Email: Humanresources@mica.edu Women’s Health and Cancer Rights Act Notice If you have had or are going to have a mastectomy, you may be entitled to certain benefits under the Women’s Health and Cancer Rights Act of 1998 (WHCRA) For individuals receiving mastectomy-related benefits, coverage will be provided in a manner determined in consultation with the attending physician and the patient, for: • All stages of reconstruction of the breast on which the mastectomy was performed; • Surgery and reconstruction of the other breast to produce a symmetrical appearance; • Prostheses; and • Treatment of physical complications of the mastectomy, including lymphedema These benefits will be provided subject to the same deductibles and coinsurance applicable to other medical and surgical benefits provided under this plan If you would like more information on WHCRA benefits, call your plan administrator at 1.800.433.5768 61 2019/2020 MICA Employee Benefits Maryland College Institute of Art Human Resources 1300 W Mount Royal Avenue Baltimore, MD 21217 (410) 225-2363 Humanresources@mica.edu 62 2019/2020 MICA Employee Benefits 63 2019/2020 MICA Employee Benefits 64 2019/2020 MICA Employee Benefits 65 2019/2020 MICA Employee Benefits 66 2019/2020 MICA Employee Benefits 67 2019/2020 MICA Employee Benefits 68 2019/2020 MICA Employee Benefits Important Notice About Your Prescription Drug Coverage and Medicare Please read this notice carefully and keep it where you can find it This notice has information about your current prescription drug coverage with MICA and about your options under Medicare’s prescription drug coverage This information can help you decide whether or not you want to join a Medicare drug plan If you are considering joining, you should compare your current coverage, including which drugs are covered at what cost, with the coverage and costs of the plans offering Medicare prescription drug coverage in your area Information about where you can get help to make decisions about your prescription drug coverage is at the end of this notice There are two important things you need to know about your current coverage and Medicare’s prescription drug coverage: Medicare prescription drug coverage became available in 2006 to everyone with Medicare You can get this coverage if you join a Medicare Prescription Drug Plan or join a Medicare Advantage Plan (like an HMO or PPO) that offers prescription drug coverage All Medicare drug plans provide at least a standard level of coverage set by Medicare Some plans may also offer more coverage for a higher monthly premium MICA has determined that the prescription drug coverage offered by Cigna is, on average for all plan participants, expected to pay out as much as standard Medicare prescription drug coverage pays and is therefore considered Creditable Coverage Because your existing coverage is Creditable Coverage, you can keep this coverage and not pay a higher premium (a penalty) if you later decide to join a Medicare drug plan When Can You Join A Medicare Drug Plan? You can join a Medicare drug plan when you first become eligible for Medicare and each year from October 15th to December 7th However, if you lose your current creditable prescription drug coverage, through no fault of your own, you will also be eligible for a two (2) month Special Enrollment Period (SEP) to join a Medicare drug plan What Happens To Your Current Coverage If You Decide to Join A Medicare Drug Plan? If you decide to join a Medicare drug plan, your current Cigna coverage may be affected You may keep this coverage if you elect Part D and this plan will coordinate with Part D coverage See pages 7-9 of the CMS Disclosure of Creditable Coverage To Medicare Part D Eligible Individuals Guidance (available at http://www.cms.hhs.gov/CreditableCoverage/) which outlines the prescription drug plan provisions/options that Medicare eligible individuals may have available to them when they become eligible for Medicare Part D If you decide to join a Medicare drug plan and drop your current Cigna coverage, be aware that you and your dependents may not be able to get this coverage back When Will You Pay A Higher Premium (Penalty) To Join A Medicare Drug Plan? You should also know that if you drop or lose your current coverage with MICA and don’t join a Medicare drug plan within 63 continuous days after your current coverage ends, you may pay a higher premium (a penalty) to join a Medicare drug plan later If you go 63 continuous days or longer without creditable prescription drug coverage, your monthly premium may go up by at least 1% of the Medicare base beneficiary premium per month for every month that you did not have that coverage For example, if you go nineteen months without creditable coverage, your premium may consistently be at least 19% higher than the Medicare base beneficiary premium You may have to pay this higher premium (a penalty) as long as you have Medicare prescription drug coverage In addition, you may have to wait until the following November to join For More Information About This Notice Or Your Current Prescription Drug Coverage… Contact the HR Department for further information NOTE: You’ll get this notice each year You will also get it before the next period you can join a Medicare drug plan, and if this coverage through MICA changes You also may request a copy of this notice at any time For More Information About Your Options Under Medicare Prescription Drug Coverage… More detailed information about Medicare plans that offer prescription drug coverage is in the “Medicare & You” handbook You’ll get a copy of the handbook in the mail every year from Medicare You may also be contacted directly by Medicare drug plans For more information about Medicare prescription drug coverage: • Visit www.medicare.gov • Call your State Health Insurance Assistance Program (see the inside back cover of your copy of the “Medicare & You” handbook for their telephone number) for personalized help • Call 1-800-MEDICARE (1-800-633-4227) TTY users should call 1-877-486-2048 If you have limited income and resources, extra help paying for Medicare prescription drug coverage is available For information about this extra help, visit Social Security on the web at www.socialsecurity.gov, or call them at 1-800-772-1213 (TTY 1-800-325-0778) Remember: Keep this Creditable Coverage notice If you decide to join one of the Medicare drug plans, you may be required to provide a copy of this notice when you join to show whether or not you have maintained creditable coverage and, therefore, whether or not you are required to pay a higher premium (a penalty) Date: Name of Entity/Sender: Address: Phone Number: Email: 2019 Maryland College Institute of Art Contact: Human Resources 1300 W Mount Royal Avenue, Baltimore, MD 21217 (410) 225-2363 humanresources@mica.edu 69