B E N E F I T S U P D A T E
The open enrollment period for the University's health, vision, dental care, life and flexible spending account plans will run from Oct. 21 through Nov. 6. Open enrollment offers employees an opportunity to review their current benefits and consider changes to their coverages that will be effective for the next calendar year.
Health care premiums will increase.
Merck-Medco, the prescription drug plan administrator, has changed its name to Medco Health. In addition, Medco Health now will be utilizing the participant's Princeton University employee ID number as the member number. In January 2003, all participants in this plan will receive new prescription cards from Medco Health reflecting their new ID number. Current prescription cards no longer will be accepted. The employee number can be found on the top of the blue personalized benefit enrollment form labeled "Employee ID."
There will be an increase to the Medco Health prescription drug deductible, which will now cross-apply to both the retail pharmacy and mail order programs. This means one deductible for both the retail pharmacy and the mail order programs.
Horizon HMO Blue prescription drug plan copays will increase.
Two new dental plans, administered by Aetna, will be available. Employees will have the choice of participating in the new Aetna DMO Plan or Aetna PPO Dental Plan, or the current Horizon Dental Option Plan. The current Dental Choice Plan will not be available in 2003.
The Aetna HMOs now will be providing a chiropractic benefit as well as an infertility benefit.
Co-insurance limits for both Oxford Health plans and United Healthcare have increased.
Employees can increase their supplemental life insurance coverage by one times their annual base salary without proof of good health.
A Group Long-Term Care Plan, administered by CNA, will be introduced.
The University will offer non-visiting benefits-eligible employees and retirees the opportunity to enroll in a Group Long-Term Care Plan administered by CNA beginning Jan. 1, 2003.
Women's Health and Cancer Rights Act of 1998 guarantees coverage to any health plan member who is receiving benefits in connection with a mastectomy and who elects breast reconstruction in connection with that surgery.
Reconstruction of the breast on which the mastectomy has been performed;
Surgery and reconstruction of the other breast to produce symmetrical appearance; and
Prostheses and treatment of physical complications in all stages of the mastectomy, including lymphedemas (swelling associated with the removal of the lymph nodes).
These services will be provided in a manner determined in consultation with the attending physician and the patient. Coverage for these services is subject to applicable deductibles, coinsurance or copayments.
Efective Jan. 1, 2003, the University will offer two new dental plans administered by Aetna in addition to the current Horizon Dental Option Plan administered by Horizon Blue Cross Blue Shield. The Horizon Dental Choice Plan will terminate Dec. 31, 2002. Employees who currently participate in that plan and wish to receive a dental benefit for 2003 must elect different coverage.
Horizon Dental Option Plan: The Horizon dental PPO access plan will continue to offer participants increased access to Horizon's largest network of participating traditional providers as well as an out-of-network benefit for preventive/diagnostic services only. There is no benefit for basic, major and specialty services when provided by an out-of-network dentist.
Aetna DMO Plan: The Aetna DMO offers a broad range of covered services and savings on dental expenses. There are no claim forms, no deductibles and no annual or lifetime maximums. Each covered member must select a primary care dentist from the Aetna DMO network of participating dentists.
Aetna PPO Dental Plan: The Aetna dental PPO offers the opportunity for participants to receive services from any dentist (out of network) or a network of dentists with whom Aetna has negotiated reduced fee schedules (in network). The PPO plan encourages participants to go in network by offering higher benefit levels; however, out-of-network benefits are also available providing participants the opportunity to see any dentist.
Need more information? Check out these sources
There are a number of sources of information that can assist employees in selecting the health care plan or coverage that meets their personal and family needs. Information is available electronically, in print and in person.
Use the Web. Visit the open enrollment Web site at http://www.princeton.edu/hr/oe for descriptions of the different plan features, rates for 2003 and links to the various health care providers, which include directories of health care professionals and facilities that participate in the particular health care or dental care plan.
Review the open enrollment mailing. Use the blue personalized benefits enrollment form to review your current health care plan coverage, in conjunction with the information in the open enrollment guide, which provides comprehensive information on the different plan features as well as plan rate changes effective Jan. 1, 2003.
Attend the Benefits Fair. The Benefits Fair is scheduled for 9 a.m. to 3 p.m. Tuesday, Oct. 22, in the Multipurpose Room on Level B of the Frist Campus Center; and 10 a.m. to 2 p.m. Tuesday, Oct. 29, in the Lyman Spitzer Building at the Princeton Plasma Physics Laboratory.
Visit a site. You can visit one of the following locations at any time to pick up forms and informational materials: 1 New South; E-Quad (main lobby); Firestone Library; Frist Campus Center; Helm Building; Macmillan Building; 87 Prospect Ave.; Jadwin Gym; Robertson Hall; and the PPPL Office of Human Resources.
Meet with a benefits specialist. Benefits specialists will be available throughout open enrollment. Dates, times and locations will be published in the open enrollment guide.
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Editor: Ruth Stevens