Benefits Open Enrollment  

Open Enrollment for the 2016-2017 plan year will run from April 18 until April 29th.

Dear Colleague,

Benefits Open Enrollment will begin on April 18, 2016 and end on April 29, 2016. This is the one time each year that you are able to review and make changes to your health, welfare and voluntary benefit elections. Please note that no action is required on your part unless you want to enroll in the Health Care Flexible Spending Account (FSA), Dependent Care FSA, Child Care Subsidy Plan or the Health Savings Account for 2016-2017. Under IRS rules, these elections from 2015-2016 cannot carry forward into the new plan year. New this year, the enrollment system will allow you to edit only the benefits that you wish to change.

In addition, below are some key items and resources that you should be aware of:

Open Enrollment Guide

Faculty and staff will have access to an online Benefits Open Enrollment Guide. This guide will walk you through all of the key changes, the timeline and how to enroll. Please review carefully as this document includes detailed information regarding carrier changes and benefit enhancements related to the life and disability plans, the addition of telemedicine and copay enhancements related to urgent care and the emergency room. The Benefits Open Enrollment Guide can be found under the Benefit Resources section of the Benefits page of the Human Resources website.

Pathways

The Pathways document will continue to be available on-line and serves as your annual benefit program booklet. Reference this document throughout the year should you have questions regarding any of the Villanova benefit programs. Pathways can be found under the Benefit Resources section of the Benefits page of the Human Resources website.

Medical Coverage

The cost of health care continues to rise year over year. With that in mind, as a community, we need to look for ways to curb spending when possible. Did you know that the average cost of a visit to the emergency room is approximately $1,100 where the same condition that could possibly be treated at an urgent care center would cost approximately $100? In addition, the average cost of a general office visit is approximately $125 whereas the option of telemedicine would cost approximately $40?

As the country shifts more towards consumerism related to health care, it is important that Villanova provides plan design and programs that support those initiatives. To that end, Villanova will offer three enhancements for 2016-2017:

HMO & PPO Plans

  • Urgent care copay will be reduced from $70 to $50
  • Emergency room copay of $100 will now be waived if you are admitted to the hospital
  • Telemedicine will be added as an option with a copay of $10

CDHP Plan

  • The cost for all three services (urgent care, emergency room and telemedicine) will be 20% coinsurance subject to the deductible

Telemedicine is an alternative option available to you as an IBC member that provides a 24/7 convenient way to address certain acute health conditions. A board-certified physician licensed in your state reviews your medical history and provides a consultation over the phone or through video. The physician recommends the treatment for the member’s medical issue which may include a prescription (electronically sent to the member’s pharmacy of choice). Further details regarding telemedicine and the changes listed above can be found in the Open Enrollment Guide and the Pathways document.

Life Insurance

Effective June 1, 2016, MetLife will be the new provider of the life insurance plans. As part of this transition, there are some enhancements which include reduced rates, a one-time opportunity to increase coverage without a health questionnaire and access to an attorney for will and estate planning if you are enrolled in supplemental life insurance. Further details can be found in the Open Enrollment Guide and the Pathways document.

Disability Insurance

Effective June 1, 2016, Liberty Mutual will be the new provider of our short- and long-term disability coverage. In the event of a disability during the new plan year, you should contact Liberty Mutual directly. Further details can be found in the Pathways document.

NOVAfit!

Participation in the NOVAfit! program continues to provide faculty and staff with numerous advantages. NOVAfit! offers programming that encourages healthy behaviors as well as financial incentives. By participating, you and your eligible spouse can qualify for premium incentives, additional HSA contributions and VISA gift cards. Visit the Wellness Portal on the NOVAfit! section of the Human Resources website for further details.

Tools and Resources

Tools are extremely important again this year as you analyze which of the three medical plans will best meet your individual or family needs. Please visit the medical section of the human resources website:

It is important that you take the time to fully understand all of these benefit changes and review all of the resources available to you. Should you have any additional questions, feel free to reach out to Human Resources at 610-519-7900.

I wish you the best for a happy and healthy spring.

Sincerely,

 

Raymond D. Duffy, M.S, SPHR, SHRM-SCP, CBP

Senior Director, Benefits, Compensation and Employment

Co-pay Changes

If you enroll in either the PPO or HMO plans, the
co-pays related to the Emergency Room (ER) and Urgent Care have changed. In regards to the ER, the co-pay will remain $100 but will be waived if you are admitted. The Urgent Care co-pay will be reduced
from $70 to $50.

Telemedicine

As an enhanced benefit for the 2016-2017 plan year, Villanova will be introducing Telemedicne coverage for faculty and staff that are enrolled in the University medical plans. The cost of these services differ based on if you are enrolled in the CDHP versus the HMO or PPO plans. The co-pay for these services under the HMO and PPO plans will be $10. Under the CDHP,
the coinsurance for these services will be 20% of the charge and will be subject to the deductible. The average charge for a telemedicine session is approximately $40. Further details regarding Telemedicine and what services are covered can be found in the Pathways document.

Disability

The new carrier for your short term and long term disability benefits will be Liberty Mutual. This change takes effect on June 1, 2016 and therefore any leaves starting on or after June 1, 2016, you should contact Liberty Mutual. Please refer to the Human Resources website for contact information.

Life Insurance

The new carrier for your life insurance plans will be MetLife as of June 1, 2016.

Below is a summary of the enhancements with MetLife:

  • During this open enrollment, you will have a one time opportunity to purchase additional Supplemental Life Insurance with guaranteed-issue of one level, not to exceed 3x your annual earnings, or $250,000 without health questions.
  • MetLife will also be offering these benefits at reduced rates.
  • If you purchase Supplemental Life Insurance, you will have access to face-to-face will preparation and estate resolution services at no cost to you.
  • Full-time students can be covered through age 26.

Villanova University offers three enrollment portals that faculty and staff will use to enroll in University benefits.

Benefits Portal will be used to enroll in health & welfare and voluntary benefits, make changes due to life events, use the medical plan comparison tool and view your NOVArewards! total
compensation statement. Please note: This is the portal that you will use to enroll in Benefits during Open Enrollment from April 18 - 29, 2015.

Wellness Portal provides access to the NOVAfit! wellness program. This is where you will complete your Personal Health Assessment (PHA) schedule your annual health screening and
participate in challenges.

TIAA CREF/Villanova Microsite is used to enroll, designate a beneficiary, and make changes to investments and salary deferrals in the Villanova University 403(b) Retirement Savings Plan.

Please join us on Tuesday, April 19 for the Villanova University Annual Wellness Fair from 9:00 a.m. to 3:00 p.m. in the Villanova Room in Connelly Center. During the fair, you will be able to meet with benefit and wellness vendors and learn about all of the benefit programs that the University offers.

For those of you that participated in the Personal Health Assessment and Health Screening campaign, be sure to bring your Wildcard to register your attendance and qualify for 300 NOVAfit! incentive points.  

T-shirts will be available at the Human Resources table for the Villanova Walk@Lunch Day on Thursday, April 28th.

Representatives from the Human Resources Department will be available to assist employees with completing the University’s open enrollment process in St. Mary’s Hall, Suite 163, on the following dates:

 Date                                            Time      

Wed  4/20/2015                   10:00 am to 12:00 pm

Thurs 4/21/2015                   10:00 am to 12:00 pm

Tues  4/26/2015                    2:00 pm to 4:00 pm             

Fri  4/29/2015                       10:00 am to 4:00 pm            

At these sessions, you will be able to view your current benefit elections and make any benefit plan open enrollment changes.  Please have your username and password, that you use to logon to email, with you when you attend a help session.

If you have questions or need assistance with Open Enrollment, please contact Human Resources at 9-7900.

Walking is one of the easiest and most effective forms of exercise, but it can be hard to find time to enjoy it. That's why we are inviting you to walk during your lunch on Thursday, April 28.

There are two walks scheduled—at 12 p.m. and 1 p.m.—that will leave from the Oreo and follow the walking trail through campus.  

For those of you that participated in the Personal Health Assessment and Health Screening campaign, be sure to bring your Wildcard to register your attendance and qualify for 200 NOVAfit! incentive points.

A light lunch will be provided.

People of any fitness level - from beginner to advanced - can benefit from walking so we hope to see you there!