UNCG Campus Weekly

Campus Weekly is published each Wednesday when classes are in session. In the summer, it is published biweekly.

You’ve got Health Benefits questions? HR has answers

You have questions about changes in health benefits? UNCG’s HR specialists will answer them as part of a presentation – at 25 info sessions in the coming weeks.

Angela Montgomery (HR) gave a brief update at the recent Staff Senate meeting. Some questions and answers drawn from that update:

What if I take no new action regarding health insurance?
If you make no election, you and any covered family members will be moved to the 70/30 plan option.

Where can I see rates for the different options?
2014 rates now are posted at the UNCG Benefits web site: http://web.uncg.edu/hrs/benefits/. That layout may be easier to understand than the rates posted on the State Health Plan site.

What are the different options?

  • 70/30 – where nothing is different as far as plan structure or out-of-pocket expenses
  • 80/20 – where out-of-pocket expenses stay the same for the most part, and there’s a $0 copay for preventive care services
  • A brand new one, 85/15 Consumer Directed Health Plan (CDHP) – There’s a high deductible that applies to both medical and pharmacy services. Instead of copays, members will have to meet the deductible, then pay a 15 percent coinsurance on all in-network medical and pharmacy benefits.

For each of these, come to a meeting to learn details. This is just a partial description.

Do I need to fill out a health assessment – regardless of which option I choose?
Only if you want an option other than the 70/30 plan. Even then, completion is optional, but if you don’t do this, you’ll have a higher monthly premium.

Will I need to pick a primary doctor – and say whether or not I smoke?
Again, only if you want an option other than the 70/30 plan. Even then, completion is optional, but each activity you complete reduces your monthly premium.

What about prescriptions?
For copay plans one tier is being added, for the new plan (85/15 CDHP) – you’ll pay the full cost of those drugs with some exceptions. Come to a session to find out more.

What about retirees?
For the first time, retirees over 65 will have different health insurance options than active employees.

My vision insurance?
NC Flex vision insurance is dropping Plan 2 (materials only) due to low participation. It is being replaced with a core vision plan, available to employees only, at no monthly cost. It will allow you to get one eye exam per year for a $20 copay, as long as the provider is in network. You must enroll in this plan to get this coverage.

The biggest change for NC Flex Term Life Insurance?
There are several changes, but the biggest may be that you can add coverage for spouses and children, starting Jan. 1.

What else?
The information above is a partial, incomplete description – but may help let you know what types of questions you’ll want to bring with you to the October sessions. Also, complete information is on the HR web site, where there are links for additional details.

Again, sign up for information sessions at http://workshops.uncg.edu/workshops-by-category.jsp?cat_id=77002227