2020 Faculty Benefit Summary 2020 Bi-Weekly Payroll Calendar
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2020 Faculty Benefit Summary 2020 Bi-Weekly Payroll Calendar Pay Pay Payroll Month Period Period Disbursed Start Date End Date 11/16/19 11/29/19 12/13/19 Dec-19 11/30/19 12/13/19 12/27/19 12/14/19 12/27/19 01/10/20 January 12/28/19 01/10/20 01/24/20 01/11/20 01/24/20 02/07/20 February 01/25/20 02/07/20 02/21/20 02/08/20 02/21/20 03/06/20 March 02/22/20 03/06/20 03/20/20 03/07/20 03/20/20 04/03/20 April 03/21/20 04/03/20 04/17/20 04/04/20 04/17/20 05/01/20 May 04/18/20 05/01/20 05/15/20 05/02/20 05/15/20 *05/29/20 05/16/20 05/29/20 06/12/20 June 05/30/20 06/12/20 06/26/20 06/13/20 06/26/20 07/10/20 July 06/27/20 07/10/20 07/24/20 07/11/20 07/24/20 08/07/20 August 07/25/20 08/07/20 08/21/20 08/08/20 08/21/20 09/04/20 September 08/22/20 09/04/20 09/18/20 09/05/20 09/18/20 10/02/20 October 09/19/20 10/02/20 10/16/20 10/03/20 10/16/20 *10/30/20 10/17/20 10/30/20 11/13/20 November 10/31/20 11/13/20 11/27/20 11/14/20 11/27/20 12/11/20 December 11/28/20 12/11/20 12/24/20 Your CHEIBA Trust Benefits We’re committed to you and your health An annual Open Enrollment period is announced each fall, in which eligible employees can make certain coverage changes. The enrollment window start and end dates vary by institution. The information in this booklet provides an overview of your 2020 benefits package to help you in making the choices that best meet your individual and family’s needs – but it is up to you to take action. In the end, it’s your coverage. You have the power – take your health into your own hands through the selections available to you. We encourage you to read the selections carefully and go online to the BeneCenter to protect what’s important to you. Ensure you elect the best coverage for you and your family: Carefully read the benefit summaries and utilize We know your health is resources before completing your election forms. important to you, and it is Review the additions and changes to your benefits important to us, too. That’s why for the 2020 plan year. the CHEIBA Trust is committed Add or delete dependents from coverage to providing you and your family under the plan. a strong benefits package. If you have questions, phone numbers and website addresses are included throughout this guide for your convenience. Who is CHEIBA? CHEIBA stands for Colorado Higher Education Insurance Benefits Alliance. Your employer has joined together with seven other educational institutions to create more purchasing power in the insurance market. What does this mean to you? Simply, lower premiums for richer benefits. By creating a purchasing group of over 9,000 lives, your employer is able to deliver better benefits at a lower cost. The Trust meets every other month to monitor your plans, and reevaluates them each year to determine the best benefit offerings. CHEIBA Trust Member Institutions: Adams State University, Auraria Higher Education Center, Colorado School of Mines, Colorado State University-Pueblo, Fort Lewis College, Metropolitan State University of Denver, University of Northern Colorado, and Western Colorado University. 2020 Rates Health Insurance Total Cost per Your Anthem Blue Cross and Blue Shield Pay Period Bi-Weekly Cost BlueAdvantage Point of Service Plan (HMO/POS) & Prime Blue Priority PPO Plan Health Plan Employee Only $348.50 $90.16 Employee + Spouse $835.50 $288.52 Employee + Child(ren) $766.50 $264.58 Employee + Family $961.00 $331.49 Blue Priority HMO Plan Employee Only $320.50 $82.86 Employee + Spouse $769.00 $265.47 Employee + Child(ren) $705.50 $243.33 Employee + Family $885.00 $305.03 2500 HDHP Plan Employee Only $268.50 $69.19 Employee + Spouse $643.00 $221.86 Employee + Child(ren) $590.00 $203.32 Employee + Family $740.00 $254.94 Dental Insurance Anthem Blue Cross and Blue Shield Anthem Dental Essential Choice PPO Employee Only $19.48 $4.29 Employee + Spouse $44.04 $19.38 Employee + Child(ren) $42.20 $18.57 Employee + Family $50.54 $22.24 Vision Insurance Anthem Blue Cross and Blue Shield Blue View Voluntary Vision Plan Employee Only $4.34 $4.34 Employee + Spouse $8.13 $8.13 Employee + Child(ren) $8.13 $8.13 Employee + Family $11.81 $11.81 What are my options? This is a brief benefit outline, for more detail, including Out-of-Network benefits, please see the plan documents in the BeneCenter. BlueAdvantage PRIMEBlue Blue Priority 2500 HDHP HMO/POS Priority PPO HMO PPO Out-of-Network access? Emergency services only Deductible None $500/$1,000 $2,000/$6,000 $2,500/$5,000 Individual/Family Coinsurance 0% (Copay-based) 15% 0% (Copay-based) 15% Out-of-Pocket Max $2,000/$4,000 $3,000/$6,000 $4,000/$10,000 $3,500/$7,000 Individual/Family Preventive Care 100% covered 100% covered 100% covered 100% covered $49 prior to deductible Telemedicine $20 copayment per visit $10 copayment per visit $20 copayment per visit being met, then 15% after deductible $10 per visit (designated provider) 15% after deductible Primary Office $20 per visit $20 per visit 15% after deductible Significantly lower cost Copay $0 at a Paladina facility* $0 at a Paladina facility* (participating provider) at a Paladina facility* $0 at a Paladina facility* $10 per visit Specialist Office (designated provider) $40 per visit $60 per visit 15% after deductible Copay 15% after deductible (participating provider) $250 per admission + Inpatient Hospital $600 per admission 15% after deductible 15% after deductible 20% after deductible $250 per admission + Outpatient Hospital $125 per visit 15% after deductible 15% after deductible 20% after deductible Emergency Room $150 per visit 15% after deductible $250 per visit 15% after deductible Urgent Care $50 copayment per visit 15% after deductible $60 copayment per visit 15% after deductible Prescription Drug Benefits Save more on regular medications Your prescription drug coverage has four copayment tiers, with generic medications having the lowest copayments. Plans use a drug list called a formulary to help determine your copayment for each prescription. Your Essential Formulary can be found on the BeneCenter or on Anthem’s website at anthem.com/pharmacyinformation/. If you take regular medications for ongoing conditions such as asthma, diabetes, or high blood pressure, you can eliminate monthly trips to the pharmacy and receive a larger supply with fewer copayments with the home delivery service. Typical savings are at least one copayment for each prescription. Diabetic supplies/prescriptions and asthma inhalers/prescriptions are covered at no cost to you. Prescription drugs purchased from Out-of-Network pharmacies are not covered. Blue Advantage PRIME Blue Blue Priority 2500 HDHP HMO/POS Priority PPO HMO PPO Retail $200/$400 Deductible* Individual/Family (30-day supply) Tier 1: $10 copayment Tier 1: $10 copayment Tier 1: $15 copayment 15% after deductible Tier 2: $40 copayment Tier 2: $40 copayment Tier 2: $40 copayment Tier 3: $60 copayment Tier 3: $60 copayment Tier 3: $60 copayment Mail Order Tier 1: $10 copayment Tier 1: $10 copayment Tier 1: $15 copayment 15% after deductible (90-day supply) Tier 2: $80 copayment Tier 2: $80 copayment Tier 2: $80 copayment Tier 3: $120 copayment Tier 3: $120 copayment Tier 3: $120 copayment Specialty Tier 4 ** 30% coinsurance to a 30% coinsurance to a 30% coinsurance to a 15% after deductible (30-day supply) maximum of $125 maximum of $125 maximum of $250 * Tier 2 and Tier 3 retail pharmacy, specialty pharmacy and/or home delivery drugs are first subject to a deductible. Once satisfied, then services are subject to the applicable copayment per prescription. ** Not all specialty drugs on Tier 4 are subject to the Tier 4 coinsurance. Certain specialty drugs may be subject to the Tier 1, 2 or 3 copayment. Specialty drugs by overnight mail or common carrier, up to a 30-day supply, must be ordered through Accredo at 800-870-6419. Tired of paperwork and phone calls? Anthem offers its members a useful website, anthem.com, and smartphone app “Sydney” MyAnthem™ takes the hassle out of your health care and allows you to get your information when you need it, help find a doctor, estimate your costs and manage prescription benefits. Register at anthem.com Helpful extras – included in your Anthem Plan at no additional cost LiveHealth Online – LiveHealth Online Psychology – a doctor by your side 24/7 licensed therapy LiveHealth Online lets you talk face-to-face with a doctor If you’re feeling stressed, worried or having a tough time, through your mobile device or a computer with a webcam you may need someone to speak with. Privately talk with for the same (or less) cost as a primary care office visit. a therapist through your mobile device, a computer with a No appointments, no driving, and no long waits. webcam or wherever you have internet access. Use LiveHealth Online for common health concerns like Therapists using LiveHealth Online can help you with stress, colds, the flu, fevers, rashes, infections, allergies, and anxiety, depression, relationship or family issues, grief, panic more.