2021 2022 Benefits Open Enrollment - Staff, Fixed-Term Faculty, Medical Faculty & Post-Doctoral Research
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2021 – 2022 Benefits Open Enrollment
Staff, Fixed-Term Faculty, Medical Faculty & Post-Doctoral Research
Fellows
Topics Overview Benefits Plan Changes Premium Cost-Sharing Tax Saving Plans: FSA & HSA Comparing Your Plan Options Additional Information
Overview
When you choose your
benefits each year, you’re
making a major
investment in your
physical and financial
well-being.
CMU Total Rewards Benefits Open Enrollment is part of your Total Compensation package. Total Compensation is the integration of the following programs: • Compensation (competitive pay, pay practices, etc.) • Benefits (medical, dental, vision, Rx, life insurance, disability, tuition benefit, paid time off) • Well-being (physical, emotional, financial support) • Retirement (qualified retirement plans with generous university contributions)
2021-22 Benefit Plan Changes
• PPO2 Medical Plan
– Increase annual visit maximum for chiropractic visit to 36
– Decrease chiropractic visit copy to $20
CURRENT 2021-22 Plan Year
In-Network Out-Network In-Network Out-Network
copay $30 60% after deductible $20 60% after deductible
# of visits 24 24 36 36
• HSA-Advantage HDHP
– Increase annual visit maximum for chiropractic visit to 36
CURRENT 2021-22 Plan Year
In-Network Out-Network In-Network Out-Network
cost 100% after deductible 80% after deductible 100% after deductible 80% after deductible
# of visits 24 24 36 36
• Health Care Flexible Spending Account (FSA)
― Increase to IRS rollover limit: $550 ($50 increase)
Medical/Prescription: Monthly & Annual Costs
Comparing Medical/Prescription Plan Options
Medical/Prescription Plan Options HSA-Advantage HDHP PPO2 PPO1
94.1% CMU 88.7% CMU 79% CMU
Premium Cost Share
5.9% Employee 11.3% Employee 21% Employee
Employee Single $34.13 $72.15 $149.86
MONTHLY 2-Person $69.77 $155.23 $316.08
Cost Share Family $85.89 $188.52 $385.11
University Single $236.04
ANNUAL 2-Person $479.64 Not Available Not Available
HSA Contribution Family $593.04
Benefit Summary: In-network Benefits
Medical Network BCBS BCBS BCBS
Prescription Network BCBS CVS Caremark CVS Caremark
Preventive Care $0 (plan pays 100%) $0 (plan pays 100%) $0 (plan pays 100%)
Annual Deductible $1,400 member $500 member $200 member
(7/1 - 6/30) $2,800 family* $1,000 family $400 family
Coinsurance None 20% after deductible None
Office Visit (primary, specialist) $0 after deductible $30 copay $20 copay
Chiropractic Visit $0 after deductible $20 copay $20 copay
Urgent Care Visit $0 after deductible $30 copay $20 copay
Emergency Room Visit $0 after deductible $100 copay $100 copay
10% / $20% / 30%
Prescription 10% / $20% / 30% 10% / $20% / 30%
after deductible
Annual Out-Of-Pocket Maximum $3,400 member $5,000 member $2,800 member
(medical & prescription combined) $6,800 family $10,000 family $5,600 family
*The full family deductible must be met under a 2-person or family contact before benefits are paid for any person on the contract.
This benefit summary is intended for use only as a source of reference. Official benefits, conditions, exclusions, and limitations are
documented in the certificate and amendments.
Dental: Monthly & Annual Costs
Comparing Dental Plan Options
(Staff, Fixed-Term Faculty, Medical Faculty, Post Docs)
Dental Plan Options Core Plan Buy-Up Plan
82% CMU 47.5% CMU
Premium Cost Share
18% Employee 52.5% Employee
Employee Single $6.16 $30.54
MONTHLY 2-Person $12.71 $62.93
Cost Share Family $15.84 $80.25
Benefit Summary: In-network Benefits
Annual Single $50
Deductible 2-Person $100 None
(7/1 - 6/30) Family $150
Maximum Annual Benefit
$1,000 per person $1,500 per person
(7/1 - 6/30)
Class 1: Preventative Services 100% (no deductible) 100%
Class 2: Basic Services 50% after deductible 75%
Class 3: Major Services 50% after deductible 50%
50%
Class 4: Orthodontic Services None ($2,000 lifetime
(children 19 years or younger)
maximum per person)
This benefit summary is intended for use only as a source of reference. Official benefits, conditions, exclusions,
and limitations are documented in the certificate and amendments.
Vision: Monthly & Annual Costs
Knowing what you need from your benefits coverage will help you make the best choices for you and your family’s health and wellness, both now and in the future! The following information is designed to provide details on the benefits options available to you along with additional resources to support your decision-making process.
Preventive Care
Preventive Care services covered without cost-share
All members:
• Preventive care visits for adults
• Well-woman visits
• Well-child visits
• All routine immunizations
Appropriate age/gender screenings:
• Cervical cancer screening for women
• Mammograms (film and digital, includes 3D)
• Osteoporosis screening
• Prostate cancer men
• Cholesterol and lipid disorders screening
• Diabetes screeningMust Pay
Employee Only Coverage
These are the MUST PAY amounts and are the annual premiums that will be
deducted from your paycheck.
HSA–ADVANTAGE HDHP
*Annual CMU HSA
TOTAL: $409.56*
$409.56 Contribution Amount:
Employee Only Coverage $236.04
PPO 2
TOTAL: $865.80
$865.80
Employee Only Coverage
Annual PremiumMust Pay/May Pay Exhibit
Employee Only Coverage
Total premium from paycheck and maximum deductible.
HSA–ADVANTAGE HDHP
*Annual CMU HSA
TOTAL: $1,809.56* Contribution Amount:
$409.56 $1,400 $236.04
Employee Only Coverage
PPO 2
TOTAL: $1,365.80
$865.80 $500
Employee Only Coverage
Annual Premium DeductibleMust Pay/May Pay Exhibit
Total Out-of-Pocket Risk – Employee Only Coverage
Total out-of-pocket risk when maximum deductible, copays, coinsurance for covered
medical and prescriptions is reached.
HSA–ADVANTAGE HDHP *Annual CMU HSA
Contribution Amount:
$236.04
TOTAL: $3,809.56*
$409.56 $1,400 $3,400
Employee Only Coverage
PPO 2
TOTAL: $5,865.80
$865.80 $500 $5,000
Employee Only Coverage
Annual Premium Deductible Out-Of-Pocket MaximumMust Pay/May Pay Exhibit
Family Coverage
These are the MUST PAY amounts and are the annual premiums that will be
deducted from your paycheck.
HSA–ADVANTAGE HDHP
TOTAL: $1,030.68* *Annual CMU HSA
$1,030.68 Contribution Amount:
Family Coverage
$593.04
PPO 2
TOTAL: $2,262.24
$2,262.24
Family Coverage
Annual PremiumMust Pay/May Pay Exhibit
Family Coverage
Total premium from paycheck and maximum deductible.
HSA–ADVANTAGE HDHP *Annual CMU HSA
Contribution Amount:
TOTAL: $3,830.68* $593.04
$1,030.68 $2,800 Family Coverage
PPO 2
TOTAL: $3,262.24
$2,262.24 $1,000 Family Coverage
Annual Premium DeductibleMust Pay/May Pay Exhibit
Total Out-of-Pocket Risk – Family Coverage
Total out-of-pocket risk when maximum deductible, copays, coinsurance for covered
medical and prescriptions is reached.
HSA–ADVANTAGE HDHP *Annual CMU HSA
Contribution Amount:
$593.04
TOTAL: $7,830.68*
$1,030.68 $2,800 $6,800
Family Coverage
PPO 2
TOTAL: $12,262.24
$2,262.24 $1,000 $10,000
Family Coverage
Annual Premium Deductible Out-Of-Pocket MaximumHSA-Advantage HDHP vs. PPO2
Scenario 1: Single coverage with $2,000 in medical expenses
HSA-Advantage Taking Control of Your
Annual Costs PPO 2
HDHP Costs
Employer HSA Contribution $236.04 $0.00 NO Cost
Your annual payroll contribution $409.56 $865.80 MUST Pay
Your estimated out-of-pocket cost
$1,400.00 $800.00 MAY Pay
(deductible/coinsurance)
Estimated annual out-of-pocket cost $1,573.52 $1,665.80 Total MUST Pay/MAY Pay
Employee HSA Contributions $3,363.96 $0.00 Tax-Saving Opportunity
Balance in your HSA after paying out-of-
$2,200.00 $0.00 Investment Opportunity
pocket expensesHSA-Advantage HDHP vs. PPO2
Scenario 2: Family coverage with $4,000 in medical expenses
HSA-Advantage Taking Control of Your
Annual Costs PPO 2
HDHP Costs
Employer HSA Contribution $593.04 $0.00 NO Cost
Your annual payroll contribution $1,030.68 $2,262.24 MUST Pay
Your estimated out-of-pocket cost
$2,800.00 $1,000.00 MAY Pay
(deductible/coinsurance)
Estimated annual out-of-pocket cost $3,237.64 $3,262.24 Total MUST Pay/MAY Pay
Employee HSA Contributions $6,606.96 $0.00 Tax-Saving Opportunity
Balance in your HSA after paying out-of-
$4,400.00 $0.00 Investment Opportunity
pocket expensesHealth Savings Accounts (HSA)
Key Features
• Triple tax advantage (contributions, distributions, investment earnings)
• Money rolls over from year to year
• HSA money is yours to keep!
IRS Eligibility Rules
• Must be enrolled in a qualifying High Deductible Health Plan (HDHP)
• Can’t be covered by another non-HDHP medical plan
• Can’t be enrolled in Medicare Part A and/or B or TRICARE
• Can't be eligible for VA medical benefits and have received medical benefits from the
VA within the last 3 months
• Can't be claimed as a dependent on another person’s tax return (other than your spouse)
• You and/or your spouse can't be enrolled in a GENERAL PURPOSE (or traditional) Health
Flexible Spending Account (FSA) or Health Reimbursement Account (HRA)HSA as a Retirement Savings Tool
• Help bridge to Investment of $1,000 over 30 Years
Medicare (if retiring Health Savings Account Traditional Retirement
before age 65) (HSA) Account
• Cover Medicare
Premiums & Qualified
$1,674
Long-term Care
Premium & Expenses
$7,612
• Other expenses after
age 65 (penalty-free) $5,938
2021 HSA Contribution Limits
• Individual: $3,600
• Family: $7,200
• 55+ Catch-up: $1,000 Earnings (7% a year) TaxesCMU Choices Health Savings Account Election Window
• First select a HDHP within
the Medical/Prescription
Drug tab
• In same tab, select the
Add/Change Health Savings
Account option on the right
• IMPORTANT: Make sure you
are eligible for a HSA and
submit a HSA Certification
Form!
• HSA contribution changes
can be made mid-year using
a paper formYou can have both HSA
and Limited Purpose
Health Care FSA
accounts at the same
time.
• Limited Purpose
Health Care FSA can
HSA FSA
only be used to pay
for out-of-pocket
expenses related to
dental and vision.
• All other rules of a
Health Care FSA
apply including
availability and
rollover.Consider a Flexible Spending Account (FSA)
Use tax-free dollars to pay eligible health care and dependent care
expenses
General Purpose Health FSA Limited Purpose Health FSA Dependent Care FSA
Medical, Rx, Dental & Vision Expenses Dental & Vision Expenses ONLY Child & Elder Care Expenses
Maximum annual contribution: $2,750 Maximum annual contribution: Maximum annual contribution: $5,000
Use to pay: Out-of-pocket medical, Rx, $2,750 (or $2,500 if married filing separately)
dental and vision expenses Use to pay: Out-of-pocket dental and Eligible Dependents: Children under age
(deductibles, copays, eyeglasses, dental vision expenses only 13 or another dependent who relies on
work, etc.) you for more than half of his or her
Up to $550 annual rollover
Up to $550 annual rollover support, such as a disabled elderly
Not available if you enroll in the BCBS Not available if you enroll in the parent. The dependent must live in the
Advantage HDHP or MESSA ABC HSA- BCBS PPO1 or PPO2 and MESSA same principal residence as you at least
Saver plan and elect to receive or make Choices 10/20, 200/400 or 500/1000, half the year.
contributions to a Health Savings or do not elect to receive or make
contributions to a HSA Eligible Expenses: Qualified day care
Account (HSA) expenses such as a day care or eldercare
Available only if you enroll in the BCBS Available only if you enroll in the center, babysitters, after school
PPO1 or PPO2 and MESSA Choices BCBS HSA-Advantage HDHP or MESSA programs and day camps.
10/20, 200/400 or 500/1000, or do not ABC HSA-Saver plan and elect to
Not available for health care expenses
elect to receive or make contributions receive or make contributions to a
Health Savings Account (HSA) or residential homes.
to a HSACMU Choices Flexible Spending Account Election Window
• Plan Type drop down choices:
General Purpose or Limited
Purpose Health Care FSA
• FSA election is binding for
entire plan year, unless
benefits status change event
• You can not remove or change
FSA election type and
contribution amount after 5
p.m. ET on April 30, 2021
• IMPORTANT: Make sure your
Health plan election and FSA
election are compatibleAdditional Information
REMINDER: Working Spouse / OEI Rule*
Working spouse / OEI is required to enroll in the medical coverage
offered through their employer to be added to a CMU medical plan
• Here’s How It Works
– If your spouse / OEI is eligible for, but does not to enroll in, their own
employer’s group medical and dental plans, they WILL NOT be eligible
for CMU medical and dental coverage
– If your spouse / OEI is enrolled in their employer’s plan, you may add
them as a dependent to CMU medical and dental plan, but the CMU
plan will pay secondary coverage ONLY
– If you enroll in both plans, benefits under each plan are coordinated.
The total reimbursement from both plans cannot be more than the
allowable benefit under the CMU plan
*Applies to staff, fixed-term faculty, medical faculty and post-doctoral research fellows.Decision Support Tools
Both decision support tool options allow you to input your personal
information to determine the best fit for your health plan options.
Picwell Health EquityIMPORTANT DATES TO REMEMBER!
OE ENDS:
Friday, April 30th
at 5 p.m. ET
BENEFIT ELECTIONS
EFFECTIVE:
July 1, 2021 – June 30, 2022
OE BEGINS:
Monday, April 19th
WHO NEEDS TO ENROLL? ➢Flexible Spending Account (FSA)
Elections are required in order to be enrolled in
the following benefits for 2021-2022: ➢Health Savings Account (HSA)
All other benefits are PASSIVE ENROLLMENT
(current year elections rollover)REMEMBER
Questions? You MUST enroll
between April 19
–Call: 989-774-3661 and April 30, 2021
–Email: benefits@cmich.edu
–Website: www.cmich.edu/openenrollment
ENROLL BY FRIDAY, April 30, 5 P.M. (ET)
No changes can be made after 5 p.m. on April 30thThank you for attending!
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