Deluxe Annual Enrollment

Deluxe Annual Enrollment
Getting to the heart of what you and your family value
ENROLLMENT TIMELINE
October 27 – Paper enrollment notices
Paper enrollment packages will be mailed to employees who have not
provided an e-mail address on the Your Benefits Resources (YBR) Health
and Insurance website.
THE DELUXE ® WELLNESS PROGRAM
In 2015, we will continue to have
two types of wellness credits that
will reduce the cost of medical
coverage through Deluxe.
November 2 – E-mail enrollment notices
E-mail notices will be sent to employees who have provided a non-workrelated e-mail address on the YBR Health and Insurance website. If you
provided a non-work-related e-mail address, you will not be mailed a
printed enrollment packet. Starting in 2015, Deluxe will load YBR with
employee work emails.
•
If you and the members of your family
who will be on a Deluxe medical plan
in 2015 are tobacco and nicotine-free,
you will be eligible to receive a $100
wellness credit to reduce your medical
premium.
•
Throughout 2014, employees had the
opportunity to earn points for healthy
actions. Earned points have been
converted into wellness credits of up to
$500. You must have logged onto your
MyWellness portal during the year and
entered your healthy activities from
October 1, 2013, to September 30, 2014.
Completing the Health Risk Assessment,
at least two (2) of the online education
modules, and a biometric screening
were also required to receive any
credits.
•
You will state your tobacco and nicotinefree commitment on YBR during annual
enrollment. Wellness Credits earned in
2014 will be loaded into the system prior
to Annual Enrollment.
November 3-14 – Annual Enrollment period
Go online and review the full suite of benefits available. You must enroll if
any of the following apply:
•
Wellness Credits: If you and your dependents are tobacco and nicotine-free
and enroll in Deluxe medical coverage, you may be eligible for the $100
Wellness Credit! Your credit from 2014 will not automatically carry over.
•
You want to change your medical, dental, vision, life and/or disability insurance
coverage for 2015.
•
You want to add or remove an eligible dependent.
•
You want to contribute to a flexible spending account in 2015, if eligible; your
goal amount won’t automatically carry over to next year.
When your enrollment is completed, print and save a copy of the
“Completed Successfully” page for your records.
Please note: You do not have to wait to receive your enrollment kit or your
e-mail from YBR to enroll.
November 14 – Annual Enrollment deadline
Wellness credits are available to actively
employed participants and will reduce
medical premiums in 2015.
If you do not enroll by November 14, you will be assigned default coverage.
January 1, 2015 – Enrollment choices go into effect
Review your payroll statements to ensure your benefits
deductions are correct.
Scan here for YBR for mobile.
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TOOLS TO HELP
Deluxe will host two (2) Employee Benefits webinars to review the 2015 medical plans and changes for annual
enrollment.These sessions will be a key resource to provide employees with information about benefit changes
and answer questions.
The webinars are scheduled for:
• Thursday, October 30 at 10:00 a.m. CST
• Tuesday, November 4 at 1:00 p.m. CST
Additional information and instructions on how to participate will be shared on eContact soon.
WHAT’S NEW FOR 2015?
Review the following sections carefully to learn what is new and to make sure you are taking advantage of the most
effective coverage for you and your family. For details about each plan, visit the YBR website at www.ybr.com/deluxe
beginning November 3.
ENTERPRISE-WIDE MEDICAL PLANS – Cigna
Deluxe continues to offer two enterprise-wide medical plans: Open Access Plus (OAP) and Choice Fund HRA.
Changes to the plans for 2015 are highlighted in red below.
OPEN ACCESS PLUS (OAP)
IN-NETWORK
OUT-OF-NETWORK
PCP office visit
$20/$35 based on their tier*
You pay 40% after deductible
Specialist office visit
$40/$55 based on their tier*
You pay 40% after deductible
Urgent care facilities
$50
$50
Emergency room
$200
$200
Medical Services
*Participating specialists with the Cigna Care Designation are identified by the Tree of Life symbol in the Open Access Plus with CareLink directory
located on myCigna.com. The Cigna Care Designation identifies high performing doctors in 22 of the most common specialties including 3 primary care
categories. However, in some locations there may not be any Cigna Care Designated specialists near you.
$500 Individual
$1,000 Individual
*Satisfied by the combined eligible expenses of all covered family members.
No one family member’s in-network deductible will be greater than $500 per
calendar year.
$1,000 Family*
$2,000 Family*
Coinsurance level
You pay 20% after deductible
You pay 40% after deductible
Out-of-pocket maximum
$3,300 Individual
$6,600 Individual
$6,600 Family*
$13,200 Family*
Deductible
Does not include prescription copays or coinsurance
*Satisfied by the combined expenses of all covered family members. No one
family member’s in-network out-of-pocket-maximum will be greater than $3,300
per calendar year.
Prescription Drugs:
Not covered
Retail – 30 day supply:
Generic
$10
Brand formulary
You pay 30% with a $25 minimum
and $100 maximum
Brand non-formulary
You pay 30% with a $35 minimum
and $100 maximum
Mail order is required for maintenance prescriptions
Mail order – 90 day supply
Generic
$25
Brand formulary
$88
Brand non-formulary
$125
Out-of-pocket maximum for prescriptions
$3,300 Individual
$6,600 Family
Routine preventive care
No charge
Not covered
CHOICE FUND (HRA)
IN-NETWORK
Health Reimbursement Account (HRA)
Contributed by Deluxe
You only $625
OUT-OF-NETWORK
3
You + spouse/child(ren) $938
Family $1,250
You Only $1,300
Deductible
Includes HRA dollars and Your Share
* All covered family members contribute toward You + Spouse/Child(ren) or
Family deductible. An individual cannot have claims covered under the plan
coinsurance until the total You + Spouse/Child(ren) or Family deductible has
been satisfied.
Coinsurance level
Out-of-pocket maximum
Includes HRA, Your Share, and coinsurance
* All covered family members contribute toward You + Spouse/Child(ren) or
Family out-of-pocket maximum. An individual cannot have claims covered
at 100% until the total You + Spouse/Child(ren) or Family out-of-pocket
maximum has been satisfied.
Prescription Drugs:
Retail – 30 day supply
Mail order is required for maintenance prescriptions
Mail order – 90 day supply
Routine preventive care
You Only $1,800
You + spouse/child(ren) $1,950* You + spouse/child(ren)
$2,700*
Family $2,600*
Family $3,600*
You pay 20% after deductible
You Only $3,600
You pay 40% after deductible
You Only $5,800
You + spouse/child(ren) $5,400* You + spouse/child(ren)
$8,700*
Family $7,200*
Family $11,600*
You pay 20% after plan
deductible
You pay 40% after plan
deductible
You pay 20% after plan
deductible
Not covered
No charge
Not covered
We have provided two benefits models — for an individual and for a family — to provide more information and help
better understand how coverage under the Choice Fund (HRA) works. Please review the models below to assist you with
your benefits decisions.
SINGLE: Carlos. 35 yrs. old, works hard, plays hard. Healthy; occasional sports injury
HRA
$625
YEAR 2
100% after $3,600
(in-network)
End of Year 1
$300 preventive exam
Covered 100% by Plan;
No cost to Carlos
+
$ 70 urgent care doctor visit
$160 sports medicine visit
$165 prescriptions
$395 medical expenses
Health Plan
80% / 60%
Carlos’ Share
$675
How Expenses Are Paid
$625 HRA Balance
$395 paid from HRA
($300 preventive paid by Plan)
$695 paid by Plan
$0 paid by Carlos
HRA
$625
100% Preventive Care
(In-Network)
Carlos’ Share
$675
100% Preventive Care
(In-Network)
Health Plan
80% / 60%
Deductible
Out-of-Pocket Max
YEAR 1
100% after $3,600
(in-network)
End of Year 2
$300 preventive exam
Covered 100% by Plan;
No cost to Carlos
+
$200 specialist visits (1)
$ 75 prescriptions
$275 medical expenses
How Expenses Are Paid
$855 HRA Balance
-$275 paid from HRA
($300 preventive paid by Plan)
$575 paid by Plan
$0 paid by Carlos
$580 HRA Balance; Rolls over
to next year’s HRA
$230 HRA Balance; Rolls over
to next year’s HRA
FAMILY: The Coopers. Active family of 6, son has diabetes
Cooper’s
Share
$1,350
HRA
$1,250
100% Preventive Care
(In-Network)
Health Plan
80% / 60%
Deductible
Out-of-Pocket Max
YEAR 1
100% after $7,200
(in-network)
$1,800 preventive exams (6)
Covered 100% by Plan;
No cost to the Coopers
+
$3,500 Test strips
$2,000 Daily insulin
$1,600 Endocrinologist visits (6)
$1,500 Doctor visits (12)
$8,600 medical expenses
How Expenses Are Paid
$1,250 HRA
$1,350 Cooper’s Share
$1,200 Cooper’s coinsurance
$8,600 - $1,250 - $1,350 = $6,000
$6,000*20% = $1,200
$4,800 Plan’s coinsurance
($1,800 preventive paid by Plan)
$7,850 paid by Plan
$2,550 paid by Cooper (Coinsurance +
Your Share)
BLUE = plan paid
GREEN = employee paid
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REGIONAL IN-NETWORK ONLY MEDICAL PLANS (HMO/EPO)
Deluxe will continue to offer region based plans in 2015. Visit www.ybr.com/deluxe or check your enrollment materials
to determine which regional plan may be available and to learn more about specific plan details.
CHANGES
Below are the primary changes being implemented for regional plans. Your regional plan may have a variation of the
plan change. Please check YBR for your regional plan design:
•
•
•
Deductibles will increase to $150 individual/$300 family.
Out-of-pocket maximums will increase to $3,300 individual/$6,600 family for all medical services.
Out-of-pocket maximums for prescription drugs will decrease to $3,300 individual/$6,600 family.
DENTAL PLANS – Cigna
Deluxe will continue to offer the same three dental plans with no changes in 2015.
The PPO Basic and Premium plans require you to use a Cigna network dentist to receive full benefits. Reduced
benefits will be provided as outlined below if you use a dentist who is not in the Cigna network. You may use the
“Find a Dentist” tool on YBR or Cigna.com to determine if your dentist is in the Cigna network. You can also call
your dentist to confirm. The plan designs for the PPO basic and premium options are below. For information on
the DHMO plan design, refer to the fee schedule at Cigna. A change has been made to the fee schedule resulting
in some copay changes.
IN-NETWORK
OUT-OF-NETWORK
100% preventive
80% preventive*
80% class II (basic restorative)*
60% class II (basic restorative)*
50% class III (major restorative)*
40% class III (major restorative)*
50% class IV (orthodontics)**
40% class IV (orthodontics)**
* Subject to the annual plan deductible.
** Subject to the annual plan deductible and a separate lifetime orthodontic maximum.
VISION PLAN – EyeMed
Deluxe’s vision plan will continue to be administered by EyeMed. Below are the primary changes to the EyeMed
Access Plan in 2015:
• Frame allowance will increase from $120 to $150.
• Contact lens allowance will increase from $105 to $130.
LIFE INSURANCE PLANS – Minnesota Life
Minnesota Life will continue to administer our life insurance plans. Deluxe provides 1X your basic pay as
noncontributory coverage. You have the opportunity to enroll in optional employee life insurance coverage up
to 6X your eligible pay, spouse/domestic partner life insurance, child life insurance, and accidental death and
dismemberment (AD&D) insurance.
You will have to complete Evidence of Insurability if you:
•
•
•
•
Increase your coverage amount by more than one level.
Do not carry optional coverage in 2014 and want to enroll for 2015.
Elect coverage of more than $500,000.
Have an increase in your coverage volume of more than $50,000.
If your or your spouse’s life insurance coverage exceeds $50,000, you may be subject to imputed income.
Please check with YBR or a tax advisor for more information.
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LONG-TERM DISABILITY (LTD) - Cigna Group Insurance
Deluxe’s LTD insurance provider is Cigna Group Insurance. You may make changes to your LTD coverage level
during the Annual Enrollment period. Deluxe automatically provides coverage equal to 50% of your eligible pay.
In addition, you may choose optional coverage to increase that amount to 66 2∕3% of eligible pay. If you select the
optional coverage, you will pay the cost difference between the 66 2∕3% benefit and 50% benefit.
LTD coverage continues to be provided on an after-tax basis, which enables benefits paid from the plan to be
exempt from income taxes.
• You will pay a minimal income tax on premiums Deluxe pays to purchase Basic LTD coverage for you.
• If you buy up to 66 2/3% LTD coverage, your premium payments will be made with after-tax earnings.
Note: Eligible pay for purposes of employee life and long-term disability insurance is your annualized base pay. If
you are in a Deluxe sales position, have more than 15% of your pay at risk, and receive pay at risk more frequently
than twice a year, your eligible pay is your annualized base pay increased by an at-risk amount.
SPENDING ACCOUNTS – Your Spending Account (YSA)
Deluxe offers two spending accounts – both administered by YSA – as described below.
A health care spending account is available for qualified health care expenses not covered under your medical,
dental or vision plans. The health care spending account maximum contribution is $2,500.
If your annual goal amount is at least $50, you will be issued a debit card with which you can make payments in
2015. If you already have a YSA-issued card, you will continue to use it in 2015. If you are new to the plan, cards
will be mailed in mid-December. You will be asked to create a PIN that will be used for all debit cards that access
your health care spending account.
A dependent care spending account is available for eligible dependent care expenses incurred while you and
your spouse or domestic partner are working. It can be used for daycare services for children under age 13 or for
dependents of any age that are mentally or physically unable to care for themselves. The maximum annual goal
amount remains at $5,000 per family.
REMEMBER: If you contribute to a spending account through December 31, 2015, you are eligible to receive
reimbursement of claims incurred during that plan year and through March 15, 2016. Any money left in your
account after April 30, 2016, from the 2015 plan year will be forfeited.
FREQUENT FITNESS PROGRAM
As a special benefit, Deluxe offers access to the HealthPartners’
Frequent Fitness program to support your wellness goals.
All benefit eligible employees, regardless of being enrolled
in Deluxe medical coverage, and those dependents age 18
and older who are covered on Deluxe medical or dental are
eligible. All employees can save up to $20 per month on a
participating health club membership by working out 12
or more times during the month. Up to two eligible family
members can participate and receive reimbursement a
month, for a total of $40.
Information about the program will be posted on the BeWell
page, including the number to call and website to visit to find
participating gyms.
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VOLUNTARY BENEFIT PLANS – MetLife
The following voluntary benefit plans administered by MetLife are
available during Annual Enrollment. Go to the MetLife link on the YBR
website for more information.
•
Hyatt Group Legal Service
•
Critical Illness Insurance
Reward Yourself is available
to you at any time during the
year and provides a variety
of discounts and special
offers. You can also check
out eContact for specials
available each month and
sign-up for special discount
notices by email.
UNITIZED PRICING
Premiums will be listed by covered person to provide you with detailed information when selecting your plan.
You will see premium costs for you, for your spouse, and for each child. In 2015, the cost per child will be
capped at 4 children.
This pricing structure creates transparency, allowing you to more easily compare the cost of coverage between
Deluxe medical and dental options as well as to other coverage options that may be available to you.
Employee pricing will be offset by any wellness credits you have earned for the year.
SPOUSAL SUBSIDY
Deluxe has historically subsidized medical premiums for employees and their dependents at the same level
of 75%. However, current studies show that the average, annual claims’ costs incurred by spouses are 5 – 10%
higher than for employees, which is causing a shift in the market. Many employers have reduced the subsidy
amount they provide for spouses, some administer a surcharge for spouses who have coverage available
through their employer or the government, and others no longer offer coverage for spouses. Deluxe will
continue to subsidize spouse coverage, but at 10% less than employee subsidies. This is a 5% change in subsidy
for 2015. We are committed to providing a competitive total rewards package to employees while remaining
competitive in our business practices.
Deluxe Corp’s Notice of Health Plan Privacy Practices is available in Employee Self Service > myInsurance
> Summary Plan Descriptions > All Participants. If an Internet connection is not available to you, you may
request a copy through your HR representative.
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AUTOMATED DEPENDENT CERTIFICATION
Dependent Certification
•
When new dependents are enrolled in medical, dental or vision plans, YBR will automatically require certification of
their eligibility.
•
YBR will send a letter to you, with a response deadline, requesting documents to verify your dependent(s) eligibility.
You will also see an action needed on your YBR homepage.
•
Examples of documents include: marriage certificates, tax returns and birth certificates.
•
Includes all dependents – spouse, domestic partner and/or child(ren)
UPDATING SPOUSE/DEPENDENT SSNs AND BENEFICIARIES
Be sure to update Social Security information for all of your family members who will be covered under Deluxe
medical coverage. Deluxe is required to report to the IRS participants who are enrolled in its medical plans by
Social Security number (SSN) to confirm coverage.
When adding dependents to Deluxe coverage or changing life insurance beneficiary information in YBR you will
be prompted to include their SSN. Please have their SSNs available prior to enrolling them.
ACTION NEEDED: If you are currently covering dependents and their SSNs have not been provided to YBR, you
will be asked to enter their SSNs as an “Action Needed” after you log onto the YBR enrollment site.
DEFAULT COVERAGE
If you do not make enrollment elections, the following default coverage will become effective January 1, 2015:
•
•
•
•
•
•
Medical – Will default to current coverage. If current
coverage is not available — Cigna Choice Fund (HRA).
Dental – Will default to current coverage. If current
coverage is not available — No Coverage.
Vision — Current Coverage
Employee Basic Life Insurance — Current Coverage
Employee Optional Life Insurance — Current Coverage
Spouse Life Insurance — Current Coverage
•
•
•
•
•
•
•
•
Child Life Insurance — Current Coverage
AD&D Insurance — Current Coverage
Long-Term Disability — Current Coverage
Dependent Care Flexible Spending Account – $0
Health Care Flexible Spending Account — $0
Group Legal — Current Coverage
Critical Illness — Current Coverage
Tobacco and Nicotine-Free Wellness Credit – $0
ELIGIBILITY AND COVERAGE CATEGORIES
Eligibility requirements for Deluxe’s flexible benefits program have not changed. Deluxe subsidizes employees
who are regularly scheduled to work 20 or more hours per week.
• Full-time subsidy – 32 hours or more
• Part-time subsidy – 20 to 32 hours
Temporary employees, seasonal employees or independent contractors are not eligible for benefits.
Eligible family members include:
• Your legally married spouse or domestic partner*
• Children up to age 26 who are your:
–
–
–
–
–
Biological child(ren)
Legally adopted child(ren)
Stepchild(ren) living with you
Child(ren) who are eligible to be claimed on your income tax return and live with you in a parent-child relationship
at least 50% of the time
Children for whom you are a legal guardian, as defined by a court order or where a court order requires you to
provide medical insurance for children who are eligible for Deluxe coverage
* For the definition of domestic partner, go to Employee Self Service>myInsurance> Summary Plan Descriptions> All Participants> Terms
to Know. Employees legally married to their same-sex spouse who have not updated their spouse’s dependent status should do so during
enrollment.
Domestic partners on Deluxe coverage are subject to imputed income. Contact YBR or a tax advisor if you have questions.
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ENROLL NOW
Password and Security Information
Before you visit the YBR website, be sure you are prepared with your password and security information.
Have your security information and password?
• Online – Just enter your user ID and password to access the YBR website during Annual Enrollment.
• By telephone – If you call the automated telephone system at 1-877-827-5359, you will need the last four digits of
your SSN and your date of birth and password.
Forgot your security information and password?
• Request a new password through the YBR website.
• YBR will send you a new password via e-mail (if you have an e-mail address on file) or postal mail (this will take
7-10 days to receive).
• You may be prompted with your password hint to recover your password.
• If you speak to a representative, you may be asked your security questions in order to access your account.
Want to change your security information?
1. Log on to the YBR website using your User ID and password.
2. At the top of the homepage click on “Your Profile”.
3. Select “Log On Information”.
4. Update and make changes to your User ID, password, and hint and security questions.
The enrollment period is November 3-14. After you make your enrollment elections, be sure to click Submit. Print
a Confirmation Statement as your record to verify that your enrollment elections have been sent to Your Benefits
Resources (YBR). File your confirmation statement for future reference and to compare with your payroll deductions
on your first pay statement in 2015.
Coverage for Annual Enrollment elections will become effective on January 1, 2015.
WELLNESS
Check out the BeWellStayWell page! As part of the Deluxe Wellness Program
you are encouraged to participate in various wellness initiatives throughout
the year.
You will receive a personal, password-protected MyWellness
portal that gives you access to all the resources and activities
available through our Corporate Wellness program. For the 2015 calendar year, you will find
education, resources and challenges related to healthy eating, physical activity, mental health,
volunteering and giving back to the community. Watch for opportunities to earn wellness points
and win prizes—from gift cards to t-shirts to water bottles—by participating in challenges like
Mission Nutrition, the Deluxe 5k or the Hydration Challenge. We also offer flu shots, biometric
screenings and other preventive health benefits.
THE DELUXE ® WELLNESS PROGRAM
For each wellness activity you complete, whether at work or outside of work, you can earn points that count
toward wellness credits and those credits translate to real money—you can earn up to $500 off your health
care premiums. This year, we made it easier than ever to report your activities with the introduction of device
integration with your MyWellness portal. Simply connect your fitness tracking device—from a FitBit to a
Jawbone—and start earning points!
We are excited to have you join us on the path to a healthly mind,
a healthy body and a healthy business.
The plan descriptions contained in this document are subject to change or discontinuation with or without notice at any time.
If there are discrepancies between the descriptions contained in this document and the plan documents, the plan documents will prevail.

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