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Focus on Wellness...and Your Health Care Choices

Today through Thursday, April 1, Penn invites you to Focus on Wellness as we present Wellness Fairs, Workshops, and Fitness Presentations. As detailed in last week's Almanac and on the Human Resources website (www.hr.upenn.edu/news), the next three days provide you with the opportunity to get more information about how you can become happier, healthier, and more productive at home and at work. 

As you think about your own personal wellness, you should also take some time to examine your health care choices. The annual Open Enrollment period provides you with the opportunity to review your choices and make changes to your health care elections. Open Enrollment this year begins Monday, April 12 and runs through Friday, April 23. You will receive a personalized enrollment kit at your home address within the next week. 

An Open Enrollment Fair will be held next Tuesday, April 6 from 9 a.m.-3:30 p.m. in Houston Hall, Bodek Lounge. Stop by the fair to speak directly with the health care vendors, ask questions, and see what they have to offer.

Important Dates

Tuesday, March 30-Thursday, April 1: Focus on Wellness activities

Tuesday, April 6: Open Enrollment Fair

Monday, April 12-Friday, April 23: Open Enrollment

 

To give you a preview of what you will see in your Open Enrollment materials, the chart below lists the important changes you'll see for the coming plan year.

Change

What This Means For You

You may elect to go ŮpaperlessÓ

You may elect to stop receiving paper enrollment materials via U.S. mail as of July 1, 2004.  If you make this election, you will simply receive one-page notifications when you are eligible to make benefit changes, and full materials will be available online for you to view or print.  You can make this election using the online enrollment system.

Increase in premiums

Both you and the University may pay more for your current medical coverage; the new rates for full-time faculty and staff are shown below.

Mental health in-network provider changes for UPHS POS and PENNCare/Personal Choice plans

The Penn Behavioral Health network will provide all in-network mental health services for the UPHS POS and PENNCare/Personal Choice plans; complete details will be included in your Open Enrollment materials.

Increase in annual out-of-pocket maximum for prescriptions

The maximum amount you may be responsible to pay out of your pocket for prescription drugs each year is increasing to $1000 per individual / $3,000 per family.

Penn Faculty Practice dental plan changes

There will be several changes related to the Penn Faculty Practice dental plan:

  • Three Penn Faculty Practice locations will be closing as of July 1,   2004: Chestnut Hill, Curtis Center, and Northeast.
  • The maximum benefit amount the Penn Faculty Practice dental plan will pay per plan year will be $3,000.
  • There will be a maximum of 2 implants covered per lifetime.
  • Over-the-counter medicines are eligible under the Health Care Pre-Tax Expense Account

    You may use the Health Care Pre-Tax Expense Account to pay for many over-the-counter drugs and medicines with pre-tax dollars

    (note that this change is in effect already).

    All of the changes above as well as any changes you decide to make to your health care elections will take effect as of July 1, 2004. The new premium rates shown below will take effect with your first June paycheck (rates shown are for full-time faculty and staff).While health care costs continue their steady upward trend, the University continues to pick up an average of 80% of the total medical premium for full-time employees.

     

    Weekly Paid (per pay period)

     

    Employee

    Employee +1

    Employee + 2 or more

    Medical

         

    Keystone HMO

    $     6.00

    $    13.73

    $       17.31

    Aetna HMO

    6.92

    16.04

    20.19

    UPHS POS

    11.19

    25.85

    32.54

    PENNCare/ Personal Choice

    24.58

    56.54

    71.31

    BC/BS Plan 100

    50.77

    116.77

    147.23

    Dental

         

    Penn Faculty Practice

    $     3.63

    $    14.42

    $       16.04

    MetLife

    3.12

    12.23

    13.73

    Vision

         

    OptiChoice

    $     0.76

    $      1.52

    $         2.28

     

     

    Monthly Paid (per pay period)

     

    Employee

    Employee
    +1

    Employee
    + 2 or more

    Medical

         

    Keystone HMO

    $    26.00

    $     59.50

    $       75.00

    Aetna HMO

    30.00

    69.50

    87.50

    UPHS POS

    48.50

    112.00

    141.00

    PENNCare/ Personal Choice

    106.50

    245.00

    309.00

    BC/BS Plan 100

    220.00

    506.00

    638.00

    Dental

         

    Penn Faculty Practice

    $    15.75

    $     62.50

    $       69.50

    MetLife

    13.50

    53.00

    59.50

    Vision

         

    OptiChoice

    $      3.29

    $       6.57

    $         9.86

    During this important time of year, take a few moments to really look at your health care options and think about what's best for you and your family. Your personal wellness and your health care go hand in hand. We encourage you to take advantage of the wellness and Open Enrollment activities and information that we are providing.  For more information, visit the Human Resources website at www.hr.upenn.edu/news or call the Penn Benefits Center at 1-888-PENNBEN (1-888-736-6236).

    --Division of Human Resources

     

     


      Almanac, Vol. 50, No. 27, March 30, 2004

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