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Open Enrollment 2014 Information
Saturday, November 16, 2013
Sandra Magee
Department:Human Resources
Important Dates to Remember
Benefits Fair (Washington Room)  . . . . . . . . . . Wednesday, November 6, 2013, 11:00 a.m. – 2:00 p.m.
Open Enrollment period starts. . . . . . . . . . . . . .Wednesday, November 6, 2013
Last day to submit changes . . . . . . . . . . . . . . . Tuesday, November 26, 2013
Coverage/change effective date  . . . . . . . . . . . .January 1, 2014
FSA Information Session (Terrace Room B) . . . Tuesday, November 19, 2013, 9:00 a.m.
HDHP/HSA Info Session (Terrace Room B) . . .     Tuesday, November 19, 2013, 9:45 a.m.  
Aetna Drop-in Session (Terrace Room B) . . . . .Tuesday, November 19, 2013, 10:30 – 11:30 a.m.
Instructions for Open Enrollment:
Forms for making changes, additions and deletions are available in HR, at the Benefits Fair, or on the HR Sharepoint site: HRSharepoint
The deadline for submitting all enrollments and changes is November 26.  There can be no exceptions to this, due to processing times required by the various plans and their administrators.
Health Plan Changes for 2014:
Medical Plans:  Changes required by the Affordable Care Act include the elimination of the $5,000 limit on durable medical equipment, as well as coverage for clinical trials for experimental or investigational drugs, devices, treatments or procedures. Premiums for both the POS and the High Deductible Health Plan (HDHP) will increase by 3%.  Trinity will continue to pay 75% of the premium for the HDHP and apply that contribution dollar amount to the POS premiums.  The College contributions to the Health Savings Account that is associated with the HDHP will remain the same.
Also note that the Express Scripts formulary for prescription drugs has changed and may require that you receive a different prescription.  You should have received this information already, but should contact Human Resources with any questions.
See the attached PDF for details on the new rates.
Dental Plan:  Other than contribution amounts for participants, there are no changes to the plans that are currently offered to Trinity employees.  Premiums for CIGNA DMO are increasing 4%, Delta Dental premiums will increase by 3%.
Medical and Dependent Care Reimbursement Accounts (FSAs):
More than ever, reimbursement accounts are a great way to pay for unreimbursed covered expenses associated with healthcare and childcare on a pre-tax basis. 
·         We strongly encourage you to attend the information session regarding the FSA to find out more about how you can save money while paying for your healthcare expenses.
·         The annual contribution limit for the medical FSA is $2,500 for 2014; the dependent care limit is $5,000.
·         You must re-enroll in a medical and/or dependent care reimbursement account each year. 
Life, AD&D, LTD and Supplemental Life Insurance: 
No changes to these plans for 2014.  You may enroll in or increase your supplemental life insurance by submitting an Evidence of Insurability form (on the Sharepoint site) to UNUM, and a revised Life Insurance Enrollment form to HR.
Benefits Fair, Wednesday, November 6, 11 am – 2pm
Meet with benefit plan representatives to get more information and have your questions answered. 
Employee Meetings:
Employee meetings will be held to provide information on the medical insurance plan options and Flexible Spending Accounts.  Those meetings are listed above.
Dependent Eligibility Audit
In our continuing efforts to contain healthcare costs for the College and plan participants alike and adhere to our fiduciary responsibilities to plan participants, the healthcare plans will undergo a Dependent Eligibility Audit in early 2014.  This audit will ensure that only eligible dependents are covered by the College’s plans for active and retired faculty and staff. 
All participants with covered dependents will be required to submit documentation to verify eligibility for coverage.  More information regarding the process will be sent to employees in early 2014, including deadlines, acceptable documentation and easy ways to submit it.  Contact Human Resources with any questions.
Download (< 0.01 MB):2014 Medical and Dental Rates.pdf
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