What's New for 2016-2017?

Annual enrollment is your opportunity to review your current benefits and make changes for the upcoming plan year. The annual enrollment period is May 26 through June 9, 2017. Your new benefit selections will be effective on July 1, 2017. Changes for the 2017-18 plan year are summarized below.


 
MEDICAL PLAN CHANGES

The changes below apply to the medical plan (POS Plan). There are no plan changes to Emory’s dental, vision, disability or life insurance plans for 2017-2018, however, dental and vision rates will increase slightly.

Medical Plan Rates

Contribution amounts will increase by approximately 1% for the medical plan. Monthly rates for family coverage will increase from $324 to $334. Refer to Medical Plan Rates xxxxxxx for all 2017-18 medical plan rates and coverage levels.


Co-Insurance and Out-of-Pocket Maximums

Co-insurance and out-of-pocket maximums will increase for the POS medical plan. Co-insurance is the portion of expense you must pay for care, in most cases, after meeting your deductible. The out-of-pocket maximum is the maximum amount you will pay for your health care in a given year. Emergency room costs will also increase. The chart below illustrates the cost changes for 2017-2018 (changes appear in orange). For a complete medical comparison chart, click here.

pos plan changes


Incentives

You can lower your overall medical costs by participating in wellness activities starting in July 2017. Your incentives in the POS medical plan will be a credit against your deductible (your deductible will be lowered by the incentive amount). Emory has added new opportunities and new ways to earn your health plan incentives for 2017-2018 (refer to the chart below). Each enrolled employee and spouse/same-sex domestic partner is eligible for the same incentive amounts. All incentive activities must be completed between July 1, 2017 and May 15, 2018 to be eligible for 2017-18 incentive(s) with the exception of the Move More Challenge Incentive.

incentives chart

Requirements for Maintenance Drugs

There are specific requirements for purchasing maintenance drugs. A maintenance drug is one that is commonly used to treat a chronic or long-term condition and requires regular, daily use. Examples include drugs used to treat high blood pressure, heart disease, asthma and diabetes. Birth control is also considered a maintenance drug. A complete list of maintenance drugs is available on the Medical House Staff enrollment website at: www.hr.emory.edu/mhsenrollment.

Information is also available on the CVS/caremark website at www.caremark.com.

Maintenance drugs require that you have a prescription for a 90-day supply (not a 30-day supply). You must also fill your prescription in one of three ways:

IMPORTANT: If you don’t use a 90-day prescription and try to get a 30-day prescription filled at a retail location other than one of the methods above, you will be charged the full retail cost (not the co-pay amount).

Policy Change Reminder

In April of 2016, Emory University announced the decision to alter the policy addressing benefits to same-sex domestic partners (SSDPs) and their dependents. To allow adequate time for those impacted to plan and prepare for the change, Emory will continue to offer unmarried same-sex domestic partners of employees (and their dependents) access to Emory’s benefit programs through December 31, 2017 if they have a covered SSDP on the plan as of December 31, 2016. Effective January 1, 2018, covered SSDPs must be legally married in order to continue their Emory benefits programs (proof of marriage may be required). Effective January 1, 2017, no new unmarried SSDPs can be added to the Emory benefits plan by current employees; newly hired employees must provide proof of marriage to enroll their spouses on or after this date.