My Benefits. My Choices. FOCUS ON 2015 ANNUAL ENROLLMENT! October 2014 See what’s new! u u u u new health plan lineup new dental option new vision plan new way to enroll Get started! DON’T LOSE SIGHT OF THIS! everyone…including YOU… must enroll to avoid waiving coverage. 2015 Annual Enrollment November 17 – December 2, 2014 For benefit-eligible Harris pre-age 65 retirees. READ ABOUT THE TOPICS THAT INTEREST YOU! p. 3 NEWs and what’s NEW for 2015 p. 4 Medical and pharmacy options — new line-up for 2015 p. 8 Dental Plan — new second option added p. 9 Vision Care Plan — new plan design and administrator p. 11 Health plan pricing for 2015 p. 12 Enrollment p. 14 Reminders, resources, notices p. 16 You have things TO DO Medical Plan Pricing • Medical option premiums for the Harris pre-age 65 retiree group will increase next year for each level of coverage. • You have the choice of electing Harris group coverage or opting out of Harris coverage and purchasing coverage from the healthcare marketplace through OneExchange. Please explore the pricing and choices available in the open marketplace. Pricing on page 11. EVERYONE! A Harris Medical Plan election is required or you will default to no coverage, effective January 1, 2015. 2 NEWS AND WHAT’S NEW FOR 2015 Annual enrollment for Harris pre-age 65 retiree healthcare benefits will begin on November 17 and extend through December 2, 2014. Since your retiree healthcare benefits were effective prior to January 1, 2015, you can choose to enroll in Harris group healthcare plans until you are Medicare eligible or, if earlier, such time that these plans are no longer offered. Your pre-Medicare dependents can also continue to be covered by Harris plans as long as they were enrolled prior to January 1, 2015. 3 You also have the option of exploring and purchasing coverage in the healthcare marketplace. Harris has arranged for OneExchange to assist you, should you wish; however, you are free to select coverage through another source. You can also place your dependents’ coverage through OneExchange. OneExchange — Harris has arranged for our eligible retirees and enrolled dependents to use the services of this large healthcare marketplace to find individual policies that suit personal needs and preferences. Harris will pay OneExchange for these services. See page 14 for contact information. 2015 enrollment for non-Medicare retirees and non-Medicare dependents — If you do not actively enroll in the Harris Medical Plan, you will default to no coverage and you cannot enroll in the Harris plan again. An active election is also required for either dental or vision. However, if you want either Harris dental or vision coverage, you must be enrolled in the Harris Medical Plan. If you remain in the Harris Medical Plan, you’ll want to know about these enhancements: •A second dental option provides a new coverage alternative at a lower cost •A new vision plan provides enhanced benefits and •New radiology options in Brevard County, FL, offer more consumer choice. (See the retiree website, http://harris.com/retiree, for details.) Medicare-eligible dependents — Harris group healthcare benefits will be discontinued for Medicare-eligible individuals as of January 1, 2015. You can enroll your Medicare-eligible dependents in individual coverage, if you wish, through OneExchange. Learn more about 2015 Harris healthcare benefits on the pages that follow. MEDICAL AND PHARMACY OPTIONS US FOC IS! H ON T ✓ You must actively enroll in Harris medical and pharmacy coverage or you will not be covered by Harris’ group benefits. ✓ ✓ OAP 1 will be eliminated. ✓ The pharmacy options will add a $5,000 pharmacy family out-of-pocket maximum. ✓ 4 You’ll have the opportunity to create your Harris Medical Plan for 2015 by selecting one medical option (from three choices) and one pharmacy option (from three choices). Medical options — You will have three plans from which to choose. As of January 1, 2015, OAP 1 will be eliminated but OAPs 2, 3 and 4 will remain the same. Pharmacy options — A $5,000 family out-ofpocket limit will apply, providing protection in years when a family experiences extremely high prescription drug expenditures. Also in 2015, there will be changes to the prescription drug formulary. Details on page 7. All options provide innetwork care through the Cigna Open Access Plus (OAP) network. The prescription drug formulary (list of covered drugs) will change in 2015. Please note: As we communicated to you in the summer, Harris has been heavily subsidizing our pre-age 65 healthcare benefits due to dramatic increases in healthcare costs in recent years. Although Harris is reducing our subsidies for these plans to better align them with their original intent — a “retiree-pay-all” group healthcare plan with no explicit Harris subsidy — we will still be subsidizing these plans in 2015. Harris will continue to increase the cost of these plans until they are no longer subsidized, that is, when retirees in the plan pay enough premiums to cover the cost of all claims. See page 11 for plan pricing. Your Other Choice — OneExchange In addition to your Harris group healthcare plan choices, you can also explore individual policies in the healthcare marketplace with the assistance of OneExchange. You may find more choice and lower premiums through the marketplace. It’s worth taking a look to see what’s available to you. OneExchange enrollment will extend from November 17 through December 15, 2014. See page 14 for contact information. Once you opt out of Harris’ group healthcare plans, you cannot enroll in these plans again. You are not required to use OneExchange to find alternate coverage. continued... Decision Points Assess your Medical Plan choices by factoring in these six decision points. 1 2 3 Premiums and plan use — When you make your medical and pharmacy elections, you are committing to pay set premiums for a calendar year. Your premiums must be paid whether or not you use the Medical Plan. Out-of-pocket expenses — Under any medical and pharmacy option, you will have potential out-of-pocket expenses. Whether a copay, deductible or coinsurance, each represents money that you must pay. Lower premium plans typically have higher potential out-of-pocket expenses. Net costs — Premiums plus out-of-pocket expenses create your net cost for the year. They go hand-in-hand and you really can’t assess the true price of an option unless you factor in both. Your net costs will not necessarily be less under the plan that provides the highest coverage level (OAP 2) since that option has the highest premiums. Based on your plan use, one of the other options may be a better financial decision for you. Net cost made easy! Let the Medical Cost Estimator do the math. It’s located under the Tools & Resources tab on the top of the enrollment website. Reach the website from http://benefits.harris.com, beginning November 17. 5 4 5 6 Financial risks — Under any medical and pharmacy option, you will have a level of financial risk. If you are willing to accept more risk (e.g., higher deductibles and out-of-pocket limits), you can benefit from lower set premiums and vice versa. In any event, it’s important to remember that in years when you experience high medical expenses, all of your plan options have an important financial safety net — your out-of-pocket limit. After it’s met, subsequent eligible expenses are covered at 100% for the rest of the calendar year. Cash flow — When creating your Medical Plan, it’s best to look at the potential financial risks and assess the level up to which you can self-insure your care. If you have limited cash flow or financial reserves, you might be more comfortable in a plan that has higher premiums and generally lower out-of-pocket costs. Consumerism and wellness — One way to keep your healthcare costs in check is to adopt or refine your healthcare consumer skills (e.g., selecting the best setting for your care, comparing providers’ outcomes and costs for specific services, using consumer tools, purchasing generic drugs, etc.). Another is to improve your health by managing chronic conditions, accessing appropriate preventive care and making sound lifestyle choices. The more you manage your healthcare and your health plan, the more you can stay in touch with your health and impact your healthcare costs each year. continued... Medical Option Designs 2015 MEDICAL OPTIONS Plan feature/benefit OAP 2 OAP 3 OAP 4 Innetwork Out-ofnetwork Innetwork Out-ofnetwork Innetwork Out-ofnetwork Deductible —Individual $ 500 $1,000 $ 750 $1,500 $1,000 $2,000 —Family $1,000 $2,000 $1,500 $3,000 $2,000 $4,000 80% 60% 80% 60% 80% 60% Out-of-pocket limit —Individual $2,500 $5,000 $3,000 $ 6,000 $3,500 $ 7,000 —Family $5,000 $10,000 $6,000 $12,000 $7,000 $14,000 Hospital inpatient 80% 60% 80% 60% 80% 60% Outpatient care 80% 60% 80% 60% 80% 60% Coinsurance Emergency room $150 copay $150 copay $150 copay Urgent care $25 copay $25 copay $25 copay Office visit —Primary care —Specialist Preventive care Lifetime maximum Copay: $25 60% Copay: $25 60% Copay: $25 60% $40 60% $40 60% $40 60% 100% Not covered 100% Not covered 100% Not covered None None None IMPORTANT NOTE! •The annual deductible must be met before benefits begin with these exceptions: Services requiring copays, preventive care and pharmacy benefits are covered before the deductible is met. •Out-of-pocket limits include the deductible. 6 continued... Pharmacy Option Designs You will pair your choice of option — either Pharmacy 1, 2 or 3 — with your medical option. Please note that even though benefit levels are the same for each pharmacy option (same copays and coinsurance), there is a difference in the pharmacy networks. 2015 PHARMACY OPTIONS Plan Benefit Pharmacy access Annual pharmacy out-of-pocket maximum Pharmacy 1 Pharmacy 2 Pharmacy 3 Generic: $7 Formulary: 20%, $25 min. and $75 max. Non-formulary: 50%, $50 min. and $100 max. Full Express Scripts pharmacy network Same network as Pharmacy 1 minus CVS and Walgreens. You can go anywhere in the network other than CVS and Walgreens Same network as Pharmacy 2 plus maintenance drugs must be purchased through the mailorder program* Individual: $2,500 Family: $5,000 * You will be able to purchase up to two fills at your network retail pharmacy while your mail-order prescription is being activated. 7 UPDATE: PRESCRIPTION DRUG FORMULARY Beginning next year, all pharmacy options will be using the Express Scripts national preferred formulary, representing a change for some plan participants. Most drugs on the current formulary will continue to be covered; however, some will have a status change (e.g., from preferred to non-preferred) and others will no longer be covered. If you are impacted, you will be contacted by Express Scripts soon and presented with alternatives to discuss with your physician. You can see the new formulary through the retiree website at http://harris.com/retiree. Keep in mind, however, formularies are regularly updated to include new drugs, drugs that have become generics as well as drugs that experience a change in coverage status. DENTAL PLAN The Harris Dental Plan will offer two options in 2015 — Dental 1, the current plan, and the new Dental 2. Both options are administered by MetLife and give you access to the Preferred Dentist Program (PDP). These are the three areas where Dental 2 differs from Dental 1: •Orthodontia is not covered •Basic restorative care is paid at 50% instead of 80%, and •The annual maximum is lower at $1,000 instead of $1,500. These differences allow Harris to charge lower premiums for Dental 2. Depending on your dental benefit use, Dental 2 might be a choice worth considering. 2015 DENTAL OPTIONS…QUICK COMPARISON Features Dental 1 Dental 2 Preventive care 100% 100% Basic restorative care (fillings, root canals) 80% 50% Major restorative care (crowns, bridges) 50% 50% Orthodontia for children (limits apply) 50% 0% Annual deductible (applies to basic and major restorative care) •Individual •Family $ 50 $100 $ 50 $100 $1,500 $1,000 Annual maximum per person for preventive and restorative care You must be enrolled in the Harris group Medical Plan to select Harris dental benefits. If you do not elect Harris group dental for 2015, you cannot do so again but you can enroll through the marketplace with the assistance of OneExchange, if you wish. ✓ ✓ ✓ ✓ ✓ 8 Dental Plan rates on page 11. You must actively enroll or you will have no dental coverage next year. Two dental options will be offered for the first time. You can only enroll in dental if you are enrolled in Harris group medical. You can only enroll dependents who are already covered by the plan and who are not Medicare eligible. You can purchase alternate coverage through OneExchange. US FOC IS! H ON T VISION CARE PLAN MetLife will replace Davis Vision as the plan administrator, bringing a new network of providers from which to choose. The network includes thousands of ophthalmologists, optometrists and opticians in private practices as well as retail outlets such as Costco Optical and Visionworks. Benefits include lenses, frames and contacts as well as new features including retinal imaging and many vision-related discounts. Check out highlights of the in- and out-of-network benefits on the chart below. 2015 VISION CARE PLAN Feature In-Network Out-of-Network Frequency Eye exam •Standard •Retinal imaging •$10 copay •$39 maximum copay $45 allowance Once every 12 months $55 allowance Once every 24 months Frames Standard corrective lenses** •Single vision •Bifocal •Trifocal •Lenticular Contact lenses** •Necessary*** •Elective Page revised: November 14, 2014 9 •$10 copay then •$120 allowance* plus •20% discount on balance due •Included with frame purchase • Included under eye exam copay •$120 allowance * $65 allowance at Costco. ** Plan benefits include either corrective lenses or contact lenses once every 12 months. *** Necessary lenses are for conditions that cannot be corrected by eyeglasses. •$30 allowance •$50 allowance •$65 allowance •$100 allowance Once every 12 months •$210 allowance •$105 allowance Vision Care Plan rates on page 11. continued... US FOC IS! H ON T ✓ You must actively enroll or you will have no vision coverage next year. ✓ You can only enroll in vision if you are enrolled in Harris group medical. ✓ You can only enroll dependents who are already covered by the plan and who are not Medicare eligible. ✓ ✓ MetLife is the new vision administrator. ✓ You can purchase alternate vision coverage through OneExchange. 10 The two-year lockin provision will be eliminated. More Vision Care Options In addition to these benefits, lens tinting, a scratch-resistant coating and ultraviolet coatings are covered in full. There is a full range of lens options — oversized lenses, polycarbonate lenses, progressive lenses, photosensitive lenses and more — available either at a discount or subject to an allowance. You can also purchase prescription and non-prescription sunglasses as well as LASIK surgery at a discount. HEALTH PLAN PRICING FOR 2015 PRE-AGE 65 RETIREE HEALTH PLAN MONTHLY RATES FOR 2015* MEDICAL OPTIONS* You Cigna OAP 2 Cigna OAP 3 Cigna OAP 4 $560.88 $546.27 $531.68 PHARMACY OPTIONS* You Pharmacy 1 Pharmacy 2 Pharmacy 3 $156.83 $149.33 $141.83 OTHER HEALTHCARE PLANS** You MetLife Dental Plan 1 MetLife Dental Plan 2 Metlife Vision Care Plan $34.63 $25.73 $ 4.39 You + spouse You + child(ren) You + family $1,233.95 $1,201.82 $1,169.67 You + spouse $345.02 $328.52 $312.02 You + spouse $69.26 $51.46 $ 8.79 $1,065.68 $1,037.93 $1,010.18 You + child(ren) $297.96 $283.71 $269.46 You + child(ren) $79.66 $59.19 $ 9.22 $1,682.66 $1,638.83 $1,595.01 You + family $470.48 $447.98 $425.48 You + family $117.75 $ 87.49 $ 13.61 * Your Harris Medical Plan election consists of both a medical option plus a pharmacy option. You must enroll in each! ** You can only elect these benefits if you are enrolled in the Harris Medical Plan. 11 ENROLLMENT Beginning November 17, you can enroll online or on the go in Harris group benefits through the new HarrisEnroll. o1 o2 o4 o3 o5 Enter HarrisEnroll Get started Review your data Enroll in your benefits Confirm •You must register as a •Click ENROLL NOW! in the •Read through the •Review elections and •Print a summary of first-time user and create an ID and password before logging on to the enrollment website. You can reach the website at http://benefits.harris.com. Enrolling in the marketplace? purple box on the upper right of the enrollment website. information that’s on record for you. Click SAVE and CONTINUE •Enter any changes needed in personal information through Employee Self Service on the Harris homepage. enroll for 2015 •Update dependent information •Click COMPLETE ENROLLMENT. your elections and •Exit the enrollment application. That’s all there is to it! Need help? — Call the Harris Benefits Service Center at 1.800.225.4343, option 1, or open an online webchat by clicking the “Chat” button on the enrollment website’s top navigation bar, beginning November 17. Contact OneExchange. See page 14. 12 continued... Changing your elections — You can change your Harris benefit elections at http://benefits.harris.com on or before the close of enrollment. Enrolling dependents? — Following annual enrollment, expect an eligibility-verification request for each covered dependent (even if you’ve provided this information before). You should be prepared to submit requested documentation as proof of eligibility. If you fail to fully comply or enroll a dependent who’s ineligible, the dependent will be dropped from Harris coverage. OneExchange enrollment — You can make pre-age 65 elections through OneExchange during the same enrollment period as Harris’ 2015 annual enrollment. You can enroll your Medicare dependents with OneExchange through December 31, 2014. Please call a OneExchange benefit advisor at your earliest convenience for assistance in finding appropriate coverage that meets your needs and preferences. For contact information, see page 14. MUST I ENROLL? Medical and pharmacy — YES, you must enroll or will not have Harris Medical Plan coverage for 2015 or thereafter. (Alternatively, you can choose healthcare marketplace coverage through OneExchange through December 15, 2015 or December 31 for Medicare-eligible dependents.) Harris enrollment ends December 2, 2014! 13 Dental and vision — YES, if you want to be enrolled next year in Harris dental and vision — but you must also be enrolled in the Harris Medical Plan to make either election. If you do not enroll in these plans, you will not be given the opportunity again. You can, however, choose coverage through OneExchange in the healthcare marketplace. REMINDERS, RESOURCES, NOTICES Reminders Life change event election and effective dates — Most benefit elections you make during annual enrollment will stay in place for the 2015 calendar year unless you decide to waive coverage or remove a dependent. Keep these facts in mind: •You must request the change in your election within 30 days of the event by entering your new election through http://benefits.harris.com •Coverage changes (reduce or waive coverage) will be effective at the end of the month in which the change is requested. Resources 14 FOR… GO TO… Benefit plan phone inquiries The Harris Benefits Service Center, 8:30 a.m. to 5:30 p.m. (ET), business days, at 1.800.225.4343, option 1 HarrisEnroll — employee benefit website and webchat, beginning November 17 http://benefits.harris.com; webchat availability is the same as noted above for the Harris Benefits Service Center OneExchange 1.844.256.0913 (pre-Medicare plans) and 1.844.256.0912 (Medicare plans), 8:00 a.m. to 9:00 p.m. (ET), business days continued... Notices Women’s Health and Cancer Rights Act — Under this legislation, group health plans covering mastectomies must cover reconstructive surgery correlated services following a mastectomy. These services include reconstruction of the breast upon which the surgery was performed as well as reconstruction of the other breast, if needed, to create a symmetrical appearance. Also included is the prosthesis and services in connection with complications resulting from the mastectomy, including lymphedemas. All of these services are elective. COBRA — If you or your dependent becomes ineligible for Harris healthcare plans at anytime, you must notify the Harris Benefits Service Center in writing (e-mail, fax or mail) within 60 days of the event to be eligible for COBRA. Health Insurance Portability and Accountability Act (HIPAA) — This legislation regulates the use and/ or disclosure of your personal health information. HIPAA defines how those 15 who have access to it, such as medical professionals, plan administrators, etc. must handle your personal health information. You can see more information about HIPAA on the retiree website at http://harris.com/retiree. Medicaid and the Children’s Health Insurance Program (CHIP) — If you are eligible for Harris health coverage but can’t afford it, you may be able to get premium assistance from your state through its Medicaid or CHIP programs. To see if you or your dependents are eligible, contact your state Medicaid or CHIP office. Call 1.877.543.7669 or visit www.insurekidsnow.gov. If you or your dependents are eligible for premium assistance and you wish to enroll in Harris’ health plans, and are eligible to do so, you will be entitled to a special enrollment opportunity and must request coverage within 60 days of the date when eligibility for premium assistance is determined. You can see the complete notice through the retiree website at http://harris.com/retiree. YOU HAVE THINGS TO DO! Refer to your information resources on page 14 as needed. Enroll beginning November 17, 2014 in order to elect the benefits of your choice for next year. Complete enrollment for Harris group coverage by December 2, 2014 or healthcare marketplace coverage by December 15, 2014. You will default to no coverage without elections in place. Elect healthcare marketplace coverage for your Medicare-eligible dependents since Harris group coverage will no longer be available to them starting in 2015. You can use OneExchange or other sources for this purchase. Confirm the eligibility of each dependent before enrolling them in Harris group healthcare benefits since ineligible dependents will be dropped from coverage. (Go to page 13 to read about the new verification process!) Assess your Medical Plan choices to see which offers you the best net cost and level of coverage. The Medical Cost Calculator can help you out. (Go to the Tools & Resources tab at the top of the HarrisEnroll website, beginning November 17.) This publication contains highlights of changes to benefits for eligible Harris pre-age 65 retirees who retired having attained at least age 55 and 10 years of service on or before December 31, 2014. The contents provide a high-level summary of information about certain benefit plans being offered for the 2015 plan year and in no way replace the plan documents that actually govern the operation of all benefit plans. If there is ever a discrepancy between the information in this publication and the plan documents, the latter will always prevail. Harris reserves the right to amend or discontinue any benefit programs at any time. Receipt of this publication is in no way a guarantee of continued employment. 16 Complete enrollment activities by 12/2/2O14!
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