MRCY_BRC-Open Enrollment Guide(final) - Mercy
MRCY_BRC-Open Enrollment Guide(final) - Mercy
MRCY_BRC-Open Enrollment Guide(final) - Mercy
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Choosing the Right Benefits<br />
2012<br />
<strong>Open</strong> <strong>Enrollment</strong> <strong>Guide</strong><br />
for <strong>Mercy</strong> Benefit Eligible Co-workers<br />
<strong>Open</strong> <strong>Enrollment</strong> October 17-November 7<br />
https://2012benefits.mercy.net
<strong>Mercy</strong> strives to offer a strong<br />
benefits package that reflects our commitment<br />
to you, while meeting the diverse needs of our many co-workers.<br />
This guide contains important information about your benefits.<br />
The most important thing to know is that you will need to<br />
enroll to continue benefits coverage in 2012.<br />
In 2012 the enrollment period is October 17 through November<br />
7. You must complete enrollment even if there are no changes in<br />
your elections for 2012. The benefits you elect during this period<br />
are effective from January 1, 2012, through December 31, 2012.<br />
You can’t change the benefits you elect after open enrollment<br />
unless you have a change in family status event such as a<br />
marriage, divorce or birth of a child. (See Change in Family<br />
Status section for more information).<br />
What’s New in 2012<br />
• MyChoice will not be offered.<br />
• Changes have been made to the <strong>Mercy</strong> Medical, Dental<br />
and Vision Plans.<br />
• MetLife will administer the <strong>Mercy</strong> Dental Plan.<br />
• VSP will administer the <strong>Mercy</strong> Vision Plan.<br />
• LDI, Inc. will administer the pharmacy benefit for all <strong>Mercy</strong><br />
co-workers.<br />
• Some co-worker premiums have changed.<br />
All 2012 <strong>Open</strong> <strong>Enrollment</strong><br />
information is found:<br />
1<br />
1. Go to: https://2012benefits.mercy.net<br />
2<br />
2. Or, go to: http://baggotstreet.mercy.net. Click on the My<br />
Worklife tab, then select the My Benefits Home link.<br />
You will find:<br />
• 2012 <strong>Open</strong> <strong>Enrollment</strong> <strong>Guide</strong><br />
• 2012 <strong>Mercy</strong> Benefit Summary Booklet<br />
• 2012 <strong>Mercy</strong> Medical Benefit Summary of Benefits<br />
• Additional information about the <strong>Mercy</strong> Dental Plan with<br />
MetLife<br />
• Additional information about the <strong>Mercy</strong> Vision Plan<br />
with VSP<br />
• Information about the <strong>Mercy</strong> prescription drug benefit<br />
• And much more
Who Is Eligible<br />
For Benefits?<br />
• Full-time co-workers who regularly work at least 72<br />
hours per pay period.<br />
• Part-time co-workers who regularly work at least 32<br />
hours per pay period.<br />
• Your lawfully married spouse of the opposite sex.<br />
• Your common law spouse (in the state of Oklahoma<br />
only).<br />
• Your children, married or unmarried, up to age 26:<br />
• Natural child<br />
• Legally adopted child<br />
• A child placed with you for adoption<br />
• Your step-child<br />
• A child who has been legally placed with you by an<br />
authorized placement agency or by judgment,<br />
decree or other order of any court of competent<br />
jurisdiction, including a foster child.<br />
You don’t have to cover the same dependents in each plan. For<br />
example, you may cover your entire family for medical and only<br />
yourself for dental.<br />
<strong>Mercy</strong> requires co-workers to provide specific<br />
documentation when covering their eligible dependents.<br />
Without the required documents, co-workers will not be<br />
allowed to add dependents.<br />
Change In Family Status<br />
The choices you make now remain in effect for 2012 unless<br />
you experience a change in family status event. This applies to<br />
medical, dental, vision, supplemental life, LTD and FSA<br />
elections. A change in family status includes:<br />
• Marriage or divorce.<br />
• Birth, adoption or placement for adoption of a child.<br />
• Death of a spouse and/or dependent.<br />
• Loss or gain of coverage due to a change in your spouse’s<br />
employment status, or open enrollment with their<br />
employer.<br />
• Change of employment status from eligible to ineligible<br />
status, full-time to part-time, or vice versa.<br />
• A dependent’s loss of eligibility because he/she has<br />
reached age 26.<br />
• Any other change that is permissible under IRS regulations<br />
and rulings as determined by <strong>Mercy</strong>.
<strong>Mercy</strong> Medical Plan<br />
Next year, <strong>Mercy</strong> will still offer the same three-tier plan design and the<br />
same provider networks, but MyChoice will no longer be offered. This<br />
means you won’t have to complete the three steps of participation.<br />
Wellness continues to be a very important part of <strong>Mercy</strong>’s commitment<br />
to co-workers. We believe in the value of preventive care and screenings<br />
because the more you know about your health (and risk factors), the<br />
healthier you can be.<br />
<strong>Mercy</strong> currently offers wellness incentives through Healthification for<br />
taking online courses and completing at least 600 minutes of physical<br />
activity each month.<br />
While these incentives are not the same as premium discounts, they help<br />
us continue to reward healthy behaviors in a meaningful way. Additional<br />
incentives through Healthification will be offered that reward<br />
participation in disease management programs — asthma, depression<br />
and diabetes — as well as participation in the Maternity Support Program<br />
and/or a tobacco cessation program.<br />
Managing the cost of health care remains a challenge, so some of the<br />
co-pays and co-insurances have increased. They are bolded in the table<br />
below.<br />
We’re committed to working together to ensure coverage is competitive,<br />
affordable and focused on overall health.<br />
For a list of medical benefits by tier, see the 2012 <strong>Mercy</strong> Medical Benefit<br />
Summary. This can be found on https://2012benefits.mercy.net, or on<br />
Baggot Street (http://baggotstreet.mercy.net), click the My Worklife tab,<br />
then the Benefits Home link.<br />
<strong>Mercy</strong> Advantage Comprehensive Out-of-Network My Notes<br />
(Tier 1) (Tier 2) (Tier 3)<br />
Deductible<br />
Co-worker only $200 $500 $3,000 If I have a claim, I pay the<br />
Co-worker + 1 $400 $1,000 $6,000 deductible first, then the plan<br />
Co-worker + 2 or more $600 $1,500 $9,000 pays a co-insurance.<br />
Co-insurance 15% 30% 50% This is the amount I pay after<br />
(after deductible)<br />
the deductible. The plan pays the<br />
most when I go to a <strong>Mercy</strong><br />
provider.<br />
Out-of-Pocket Max<br />
Co-worker only $1,450 $3,500 Unlimited Once I’ve met my out-of-pocket<br />
Co-worker + 1 $2,900 $7,000 max for the year, the plan pays 100%<br />
Co-worker + 2 or more $4,350 $10,500 except for co-pays and prescriptions.<br />
Lifetime Max Unlimited Unlimited Unlimited<br />
Primary Care Co-pay $20 $35 50% When I go to a network doctor in<br />
Tier 1 or 2, I only pay a co-pay.<br />
Specialist Co-pay $35 $50 50%<br />
Preventive Care $0 $0 Not covered <strong>Mercy</strong> pays for certain preventive<br />
care when I stay in-network.<br />
Emergency Room $125/$250 $125/$250 $125/$250 If I call Nurse-on-Call before<br />
(True/Non-True)<br />
going to the ER, I may eliminate<br />
an unnecessary visit.<br />
Urgent Care $50 $50 $50<br />
Maternity One time $100 One time $200 50% One time co-pay includes two<br />
co-pay for all co-pay for all ultrasounds .<br />
office visits associated office visits associated<br />
with prenatal care with prenatal care<br />
during a single<br />
during a single<br />
pregnancy<br />
pregnancy<br />
Lab and x-ray 15% 30% 50%<br />
High cost diagnostics 25% after 40% after 50%<br />
(MRI and PET scans) deductible deductible<br />
Chiropractic Services $25 co-pay per visit $25 co-pay per visit In-network only<br />
up to $500 up to $500<br />
annual max<br />
annual max<br />
Page 3
Prescription Drug Benefit<br />
On January 1, LDI, Inc. will be the pharmacy benefit manager for all <strong>Mercy</strong><br />
co-workers and their dependents. This will result in some changes to the<br />
current formulary and the requirements of some prescription drugs on<br />
the formulary, such as prior authorization, quantity limits or step therapy.<br />
You and your provider will receive a letter before January 1 if a<br />
prescription medication you are currently taking is affected by this<br />
change.<br />
First Fills at any Pharmacy,<br />
Refills at a<br />
Refills at a Preferred Pharmacy Non-Preferred Pharmacy My Notes<br />
Tier 1 $4 $20 Using generics and buying them from a<br />
(Generic)<br />
Preferred pharmacy saves me money.<br />
Tier 2 $35 $50<br />
(Brand)<br />
Tier 3 $55 $75 Includes specialty<br />
(Non-preferred Brand)<br />
90-Day Supply 2½ times co-pay Mail order is a good choice for maintenance<br />
Mail Order for a 90-day supply drugs. Specialty drugs, 30-day supply only.<br />
* <strong>Mercy</strong> pharmacies and LDI are the only mail order options. Wal-Mart is not an option for mail order.<br />
• Co-workers who don’t have access to a <strong>Mercy</strong> pharmacy can use Wal-Mart as their preferred pharmacy for 30-day fills and pay the lower co-pay.<br />
• If you are employed by one of the following facilities, your preferred pharmacy is <strong>Mercy</strong>: Ft. Smith, Kansas, Aurora, Cassville, Lebanon, Springfield,<br />
Mountain View, Ministry Office, St. Louis and Washington.<br />
If you are a retiree or you are employed by one of the following facilities your preferred pharmacy is Walmart or <strong>Mercy</strong>: Oklahoma City, Ardmore,<br />
Maude Norton, Joplin, Hot Springs, NW Arkansas, Springfield (living in Arkansas), Berryville, and out-of-area <strong>Mercy</strong>.<br />
<strong>Mercy</strong> Dental Plans<br />
On January 1, <strong>Mercy</strong>’s new dental plan administrator will be MetLife. You will have access to their website where you can review the plan details, look<br />
up your claims, print ID cards and even receive an email when your claim has been processed.<br />
Some Important Dental Plan Details<br />
• The new <strong>Mercy</strong> dental plan includes a network of dentists. When you<br />
use a network dentist, you don’t need an ID card and there are no<br />
claim forms or paperwork to complete. Just tell your dentist you have<br />
MetLife.<br />
• You can still choose any dentist you want. But if you go out of network,<br />
you could pay more out-of-pocket and you may need to show an ID<br />
card or file your own claim with MetLife for reimbursement.<br />
• You can find a participating dentist by going to www.metlife.com and<br />
clicking on Find A Dentist on the right side of the screen, or calling<br />
1-800-942-0854.<br />
• Additional materials can be found on<br />
https://2012benefits.mercy.net, or on Baggot Street<br />
(http://baggotstreet.mercy.net). Click the My Worklife tab, then<br />
the Benefits Home link.<br />
• Some co-insurances have changed. Changes are bolded in the<br />
table below.<br />
Provision Basic Dental Plan Premium Dental Plan My Notes<br />
Deductible (single/family) $50/$150 $50/$150 Family is considered 3 or more<br />
Preventive Care 100% of Reasonable 100% of Reasonable Exams & cleanings twice a year<br />
and Customary (R&C)<br />
and Customary (R&C)<br />
Basic Restorative 70% of R&C following 80% of R&C following Includes fillings, wisdom teeth<br />
deductible<br />
deductible<br />
Major Restorative 40% of R&C 50% of R&C Includes crowns, bridges & dentures<br />
following deductible<br />
following deductible<br />
Orthodontia No Coverage 50% to $2,000 lifetime The difference between the Basic<br />
limit per participant & Premium plans are orthodontia<br />
& annual maximums.<br />
Annual Benefit Maximum $1,000 per $2,000 per<br />
participant<br />
participant
<strong>Mercy</strong> Vision Plan<br />
On January 1, <strong>Mercy</strong>’s new vision administrator will be VSP. You will have access to their full-featured website where you can view<br />
plan benefits and claim activity, locate a provider, print an ID card and much more.<br />
Important Vision Plan Details<br />
• The new <strong>Mercy</strong> vision plan includes a network of providers. When<br />
you choose a VSP network provider, your cost is lower, you don’t<br />
need an ID card and there are no claim forms or paperwork to<br />
complete. Just let your doctor know you have VSP.<br />
• You can still choose any provider you want. But if you go out of<br />
network, you could pay more out-of-pocket and you may need to<br />
show an ID card or file your own claim with VSP for reimbursement.<br />
• To find an in-network provider, visit www.VSP.com or call<br />
1-800-877-7195.<br />
• Additional materials can be found on<br />
https://2012benefits.mercy.net, or on Baggot Street<br />
(http://baggotstreet.mercy.net). Click the My Worklife tab, then the<br />
Benefits Home link.<br />
• The <strong>Mercy</strong> Vision Plan has changed. See table below.<br />
Provision In-Network Out-of-Network My Notes<br />
Eye Exam $10 co-pay $45 allowance<br />
Contacts $25 co-pay $105 allowance Plan covers one pair of glasses OR<br />
($140 allowance) 12 months of contacts annually.<br />
Lenses $0 $40 allowance If I stay in network, lenses are<br />
Single Vision $0 $30 allowance included in the $25 co-pay, for<br />
Bifocal Vision $0 $50 allowance frames/contacts (not including<br />
Trifocal Vision $0 $65 allowance add-ons, such as tinting).<br />
Lenticular Vision $0 $100 allowance<br />
Frames $25 co-pay $70 frame Plan covers one pair of glasses OR<br />
($140 allowance) allowance 12 months of contacts annually.<br />
A note about “Allowance” — The allowance is the amount you are ‘allowed’ to spend on the particular product or service. Amounts<br />
that exceed the allowance are your responsibility.<br />
Supplemental &<br />
Dependent Life Insurance<br />
Supplemental and<br />
Dependent Life My Notes<br />
Co-worker 1-4 times salary Can only increase by one<br />
up to $2.5 million when times salary. EOI is<br />
combined with basic life required for any increase.<br />
Spouse $10,000 increments EOI is required for any<br />
up to $100,000 increase.<br />
Child(ren) $10,000 for each child No EOI required<br />
Accidental Death &<br />
Dismemberment (AD&D)<br />
AD&D<br />
My Notes<br />
Co-worker $50,000 increments Any amount over $150,000<br />
up to 10x annual salary cannot exceed 10x annual<br />
or $750,000 salary.<br />
Spouse 50% or 100% of<br />
co-worker’s AD&D<br />
up to $500,000<br />
Child(ren) 10% of co-worker This is per child.<br />
amount up to $50,000<br />
• <strong>Mercy</strong> provides full-time benefit eligible co-workers two times annual salary in basic life and AD&D, at no cost to them.<br />
• Part-time benefit eligible co-workers receive one times annual salary in basic life and AD&D, at no cost to them.<br />
• Full and part-time benefit eligible co-workers can elect supplemental life and AD&D for themselves and their eligible dependents at their expense.<br />
• You may increase your supplemental life insurance by one times your salary during annual enrollment. Increases are subject to Evidence of<br />
Insurability (EOI). See online enrollment site for more information.
Long Term Disability (LTD)<br />
Basic<br />
Premium<br />
60% of monthly pay up to $10,000 per month<br />
66⅔% of monthly pay up to $10,000 per month<br />
• LTD replaces a portion of your income if you become disabled and can’t work for an<br />
extended period of time.<br />
• <strong>Mercy</strong> provides full-time co-workers with one or more years of continuous full-time<br />
service with basic LTD coverage at no cost.<br />
• Full-time benefit eligible co-workers can elect to buy-up additional LTD. Part-time<br />
benefit eligible co-workers may purchase the basic LTD (60% plan) only (where<br />
offered).<br />
Flexible Spending Accounts (FSA)<br />
Annual Minimum<br />
Annual Maximum<br />
Health Care $130 $5,000<br />
Dependent Care $480 $5, 000<br />
(total combined limit if married or if<br />
single with eligible dependent)<br />
$2,500<br />
(if you and your spouse file separate<br />
income tax returns)<br />
• You don’t have to be enrolled in <strong>Mercy</strong>’s other benefits to enroll in an FSA.<br />
• <strong>Mercy</strong>’s FSA vendor is WageWorks. When you enroll in an FSA, WageWorks will send you a kit<br />
with information about filing claims, eligible expenses, customer service, online support and<br />
how to open and access your account.<br />
• A Visa® “Take Care” debit card can be used to pay for expenses. Money is instantly deducted<br />
from your FSA account. Save all receipts for items purchased with the “Take Care” card. You will<br />
receive this card from WageWorks.<br />
• Eligible expenses you incur between January 1, 2012 and March 15, 2013 must be submitted<br />
for reimbursement by June 15, 2013, or you will lose these dollars.<br />
• Your annual election is withdrawn from your paycheck in equal installments each pay period.<br />
• Upon termination or loss of eligibility, you have only 90 days to submit claims for<br />
reimbursement.<br />
Important Facts About the Dependent Care FSA<br />
• Your total contribution cannot be greater than your earned income or your spouse’s, whichever<br />
is lower.<br />
• You are not eligible for reimbursement if your spouse has no earned income unless your spouse<br />
is a full-time student or is disabled.
How To Enroll in Benefits for 2012<br />
Co-workers hired before October 10 must enroll online at<br />
https://2012benefits.mercy.net between October 17 and<br />
November 7. Co-workers hired after October 10 must<br />
complete a paper enrollment form by December 31 to enroll<br />
in benefits with an effective date of January 1, 2012.<br />
Using the Online <strong>Enrollment</strong> System<br />
Before you start<br />
The online enrollment system is available from work or home<br />
during open enrollment (October 17 — November 7). Your<br />
computer must have Internet Explorer 5.0 or greater<br />
ºinstalled to access the system.<br />
Logging On<br />
1 Go to https://2012 benefits.mercy.net. This is where<br />
you log on to make your 2012 elections.<br />
2 All enrollment documents are to the right of the screen<br />
under the header <strong>Open</strong> <strong>Enrollment</strong> Materials.<br />
3 Log on by entering your co-worker ID (also called<br />
Lawson ID) and password. If you need to set up a<br />
password, click Forgot Your Password or call 866-440-<br />
3399.<br />
Finding my co-worker (Lawson) ID:<br />
1 Look on the top of your pay stub to the right of<br />
your name.<br />
2 Look in Kronos if you have the Kronos software on<br />
your PC. See directions below.<br />
3 Ask your Kronos editor or leader.<br />
To Find Your ID in Kronos:<br />
1 Click on Start > All Programs > Kronos > Kronos<br />
2 Log On to Kronos<br />
Contact the MTS Service Center at x3399<br />
(2‐3399 in Springfield) or 1‐866‐440‐3399 with<br />
any log-on issues or questions.<br />
3 Once logged into Kronos:<br />
• Click on the My Information tab<br />
• Click on My Timecard<br />
• Your name and Lawson ID are at the top of<br />
the page<br />
Completing Your <strong>Enrollment</strong><br />
All benefits will show as “no coverage.” You must make an<br />
election for your benefits. (The exceptions are life insurance<br />
and retirement. See step 3 and step 7 below.)<br />
You must verify and save each step. You can proceed to the<br />
next step when you receive the green check mark.<br />
Step 1 | Personal Data<br />
Step 2 | Health, Dental and Vision: The dependent grid at the<br />
bottom of this screen will be populated with all of your<br />
dependents currently in the Lawson Payroll System. You<br />
must select which coverage you want each dependent to<br />
have, if any.<br />
Step 3 | Life Insurance: This is a “read only” screen. Follow<br />
the instructions if you want to make changes to your<br />
current voluntary life elections. Otherwise, your current<br />
elections will rollover to 2012.<br />
Step 4 | Long-Term Disability (LTD)<br />
Step 5 | Flexible Spending Accounts: A link to the<br />
Wageworks website will be available so you can see what<br />
you elected in 2011 and/or use the Wageworks calculator<br />
to determine how much to elect in 2012.<br />
Step 6 | Authorization<br />
Step 7 | Retirement Program: Your current election will show<br />
on the screen, along with a link to the Retirement website.<br />
If you want to change your current election you must<br />
complete the change form on the retirement site.<br />
Step 8 | Final Review: Print your confirmation statement of<br />
your successful enrollment for your records, or email it to<br />
yourself.<br />
Key Contact Information<br />
Benefit <strong>Enrollment</strong> Site . . . . . . . . . . . . . . . . . . . . . https://2012benefits.mercy.net<br />
Coventry . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 855-96-<strong>Mercy</strong> (6-3729)<br />
Nurse on Call . . . . . . . . . . . . . . . . . . . . . . . . . . 855-530-5300 or 417-820-5662<br />
MetLife Dental . . . . . . . . . . . . . . . . . . . . . . . . . www.metlife.com or 1-800-942-0854<br />
VSP Vision . . . . . . . . . . . . . . . . . . . . . . . . . . . . www.vsp.com or 800-877-7195<br />
Flexible Spending Accounts . . . . . . . . . . . . . . . . . . www.myflexonline.com or 877-423-7125<br />
My Retirement Program . . . . . . . . . . . . . . . . . . . . www.myretirementprogram.com or 866-341-5681<br />
Prior Authorization for Mental Health and . . . . . . . . . 314-729-4600 or 800-413-8008<br />
Chemical Dependency Benefits