The latest work-life information at IU
No. 61
October 2013


University Human Resources
hr.iu.edu
Informed Employee

Annual Open Enrollment

November 11 - 22

Once a year, full-time employees have the opportunity to make changes in medical, dental, and Personal Accident Insurance coverages and to enroll in Tax Saver Benefit (TSB) pre-tax reimbursement accounts.

If an employee does not make enrollment changes during Open Enrollment, participation in medical, dental, and Personal Accident Insurance will remain the same but at the 2014 contribution rates.

Continuation or new enrollment in the tobacco-free premium reduction and TSB is required annually.

  • To continue (or start) receiving the tobacco-free premium reduction, completion of a new affidavit is required.
  • To continue (or start) participating in the TSB reimbursement account, completion of a salary reduction for 2014 is required.
  • The tobacco-free premium reduction and TSB salary reduction can be processed in the online Open Enrollment section of OneStart.

The Open Enrollment period takes place during November of each year, with enrollment changes becoming effective on January 1. This is an opportunity to:

  • Enroll in or drop medical and/or dental coverage.
  • Add or drop dependents.
  • Add, drop, or change Personal Accident Insurance.
  • Allocate contributions for TSB pre-tax reimbursement of health and/or dependent care expenses.
  • Change contributions to the HDHP PPO Health Savings Account. (Can also be done during the plan year.)
  • Complete the tobacco-free affidavit to receive a premium reduction.

An Open Enrollment packet with additional enrollment instructions will be sent to employees in the next week through campus mail. Employees are to use Benefits Self Service in OneStart to initiate or change enrollments and to complete the tobacco-free affidavit. The deadline is November 22, 2013.

Eligibility rules for enrolling dependents in IU-sponsored medical and dental plans are available at hr.iu.edu/benefits/needknow.html.

Healthcare Program for 2014

All Medical Plans

HDHP PPO & Health Savings Account (HSA)

PPO $500 Deductible Plan (Formally PPO $400 Deductible)

PPO $900 Deductible Plan

IU Health Quality Partners (IUHQP) Plan

IU Dental Plan

IU Tax Saver Benefit Plan


HDHP PPO & HSA Plan

Five years ago, the University introduced a new medical plan called the High Deductible Health Plan (HDHP) PPO and Health Savings Account (HSA). Since then, this plan and its unique savings account that offers significant preferential treatment of taxes, has become an increasingly popular choice. Seventy (70) percent of IU employees and their families are currently enrolled and this number is expected to increase. This plan's premium is the lowest of IU's four medical plan options and it uses the same networks and covers the same services as other IU PPO plans.

The University makes a $1,250/$2,500 contribution to the health savings account (HSA)

The HSA offers triple tax savings

HSA advantages and flexibility

The employee and IU both contribute to the HSA.


Tobacco Use and Health

Lung cancer signs even in "healthy" smokers

Smokers who have been given a clean bill of health from their doctors after normal examination results may still have early signs of lung cancer, according to a study published in the journal, Stem Cells.

Dr. Robert Crystal, chairman and professor of genetic medicine at Weill Cornell Medical College states, "Cells that are lining the airways in smokers are in a more primitive state and have some of the features that you see in lung cancers. So, basically, the guy smoking outside the building who thinks he is normal is already on his way to developing lung cancer."

Dr. Crystal says that occasional smokers and passive smokers are also at risk. "With any smoke you are exposed to, your airways cells are being programed in an abnormal fashion."

Quitting smoking is always worthwhile and lung cancer is not inevitable. According to the U.S. National Cancer Institute smokers who quit at about age 30 "reduce their chance of dying prematurely from smoking-related diseases by more than 90 percent."

Source: Whiteman, H. (2013, July 18). "Lung cancer signs even in "healthy" smokers." Medical News Today.

 

 

UHRS

Page updated: 11 October 2013
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