Human Resources:  Employee Benefits

 

OPEN ENROLLMENT FOR ALL BENEFIT ELIGIBLE EMPLOYEES
Deadline: Friday May 16, 2014 at 5:00 p.m.

For complete information, please see the Enrollment Guide and the PowerPoint presentation .

The Plan Year for all Benefits is June 1, 2014 through May 31, 2015

Medical & Dental Plans - In order to enroll in or remain enrolled in one of the Medical Plans and/or the Dental Plan, all employees must enroll on-line at Healthgram.  

Flexible Spending Accounts (FSAs) - If you're enrolling in a Medical or Dependent Care FSA, you must enroll via a paper form.  FSA enrollment does not carryover year-to-year. 

The IRS maximum allowed is $2,500 for a Health FSA and $5,000 for a Dependent Care FSA.  NOTE:  The form can also be found on the Healthgram enrollment page in the left-hand navigation bar.

Health Savings Account (HSA) - If you are enrolled or will be enrolling in the HDHP plan, you have the option of contributing to a tax-advantaged medical savings account. Unlike a Flexible Spending Account (FSA), funds roll over and accumulate year to year if not spent however funds are only available as you contribute.  HSA contributions may be changed at any time, up to IRS maximums, as this is your own personal account through HSA Bank.  To begin making contributions or to make a change to your current contribution level, please complete the paper form. 

The IRS maximum allowed is $3.350 for an individual and $6.550 for a family.  Participants over age 55 are allowed an additional $1,000 catch-up contribution per year. 

Vision Plan - There are no changes to the Vision Plan (VSP through Assurant).  If you do not want to add or drop vision, you do not need to do anything.  If you wish to add/change coverage or cancel coverage, please complete the paper form.  NOTE:  There is no ID card for the vision plan.

Supplemental Life - Due to the change in carrier to Principal Life Insurance from The Hartford, all benefit eligible employee are being given the opportunity to elect Voluntary Life Insurance without providing evidence of insurability up to the guaranteed issue limits.  If you are currently enrolled in Supplemental Life you have options to increase your coverage.  Use the same enrollment form as new members. Please see the Enrollment Guide for complete details.  Changes to supplemental life must be submitted via a paper form.

If you have any questions or require assistance, please contact

Cathy Scozzari, 830-792-7365 (ext 7365)
  

NOTE:  Student Employees are not eligible for benefits.

Enrollment Resources
   - Healthgram - Medical and Dental On-line enrollment link  
   - Healthgram - Flexible Spending Account Enrollment Form
   - Healthgram - Flexible Spending Account Reimbursement Form
   - Principal Life Insurance  - Enrollment form (for new and existing employees)
   - Health Savings Account (HSA) - Form
   - VSP Assurant Vision - Enrollment Form
   - VSP Assurant - Vision Plan
   - Schreiner University - HIPAA Notice of Privacy Practices
   - Schreiner University - Required Notices - dated 06/01/2014
   - Schreiner University - Summary of Benefits and Coverage (SBC)
   - Benefit Plan Summary Annual Reports (SARs)



The information below is a brief overview of benefits and is not intended to encompass all plan details; refer to the appropriate plan or policy document for complete details.



Benefit:   Health Insurance - Plan Administrator Healthgram

Provider Network:  PHCS Healthy Directions    www.phcs.com      1-800-922-4362

Plan Administrator:  Healthgram   www.healthgram.com     1-800-446-5439

Employees may elect either the 70/30 Plan or the HDHP 2500 Plan

When? Sign up first 30 days of employment; effective first day of employment

Premium/Month Employee Pays
70/30 Plan: $130/Employee only
                      $260/Employee + Spouse
                      $247/Employee + Child(ren)
                      $390/Employee + Family

HDHP 2500 Plan:  $130/Employee only
                      $240/Employee + Spouse
                      $227/Employee + Child(ren)
                      $360 Employee + Family

Who is Eligible?: Full Time EE, ¾ Time EE and IRS qualified dependents

70/30 Plan
Deductible In-Network*: $500/Individual $1,000/Family
After Deductible, Plan pays 70%, Employee pays 30%
Wellness paid at 100%, deductible waived

Out-of-Pocket maximum including deductible:
In-Network*:  $5,000/Individual, $10,000/Two family members, $12,500/Three or more family members

*See Summary Plan Document for Out-of-Network benefits and deductibles

HDHP 2500 Plan
Deductible In-Network*:  $2,500/Individual $5,000/Two or more family members
After Deductible, Plan pays 90%, Employee pays 10%.
Wellness paid at 100%, deductible waived

Out-of-Pocket maximum including deductible:
In-Network*:  $5,000/Individual/, $10,000/Two or more family members.

*See Summary Plan Document for Out-of Network benefits and deductibles



Benefit:  Prescription Drug Card

Express Scripts 1-800-889-0350  www.express-scripts.com
Mail Order is available

Most Nationwide and local pharmacies are in Network except for Walgreens

When?  Sign up first 30 days of employment; effective first day of employment
Who Pays?  Included in heath care cost.
Who is Eligible?:  Full Time EE; 3/4 Time EE and IRS-qualified dependents

70/30 Plan Consumer Plan
After Medical Deductible is met, Plan pays 70%, Employee pays 30%

HDHP 2500 Consumer Plan
High Deductible plan, after Medical Deductible is met, Plan pays 90%, Employee pays 10%%

Click here for Express Scripts Mail Order Form



Benefit:  Dental Insurance

Healthgram    www.healthgram.com      1-800-446-5439

When?: Sign up first 30 days of employment; effective first day of employment
EE pays per month $11.34 EE only; $35.82 EE + Spouse; $44.84 EE+ Child(ren); $76.86 EE + Family
Who is Eligible?: Full Time EE, ¾ Time EE and IRS qualified dependents
Employee does not have to elect medical to be elgible to elect dental

There is NO Dental Network
Deductible: $50/EE, $100 Family.
$2,000 maximum benefit paid per person per plan year
Preventive Care: Paid at 100% with no deductible
Cleaning allowed every six months
Basic - 80%; Major - 50%;
Orthodontics - 50% for dependents under 19 yrs
Click here for Dental Summary



Benefit:  Flexible Spending Accounts (FSA)

Explanation:  Pre-tax  spending accounts for out of pocket health care or dependent day care expenses.
Health Care Maximum: $2,500; Dependent (Day) Care Maximum: $5,000
When?  Sign up first 30 days of employment; effective first day of employment
Who Pays?:  EE contributions
Who is Eligible?:  Full Time EE, ¾ Time EE, and IRS qualified dependents



Benefit:  Health Care Savings Accounts (HSA)

Explanation:  Pre-tax savings account for High Deductible Consumer Plan (HDHP 2500) participants only.
Maximum: $3,300/EE; $6,550/EE+1 & Family
$1,000 catch-up contribution for those age 55 or older
When?:  Sign up first 30 days of employment; effective first day of employment
Who Pays?:   EE contributions    
Who is Eligible?:  Full Time EE,  ¾ Time EE, and IRS qualified dependents



Benefit:  Premium Conversion

Explanation: 
Paying health coverage premium deductions on a pre-tax basis.
When?:  Allowed to change at the beginning of each plan year.
Who Pays?:  No cost - tax savings for EE.
Who is Eligible?:  Full Time EE, ¾ Time EE



Benefit:  Life Insurance and Accidental Death & Dismemberment (AD&D)    

Explanation:
   Principal Life Insurance Company Term Life/AD&D
(1 x annual salary, min. $25,000, max. $100,000)

When?:
  Effective first day of employment
Who Pays?:  Schreiner University
Who is Eligible?:  Full Time EE,  ¾ Time EE



Benefit:  Long Term Disability    

Explanation: 
90 day elimination; 60% base pay up to maximum $7,000 month.
When?:  Effective first day of employment
Who Pays?:  Schreiner University
Who is Eligible?:  Full Time EE,  ¾ Time EE



Benefit:  Employee Assistance Program (EAP)    

Explanation:
  Guidance and Counseling for you and your family.   1-800-588-8412
When?:  Available immediately
Who Pays?:  Schreiner University
Who is Eligible?:  Full Time EE,  ¾ Time EE



Benefit:  Vacation (3/4 time pro-rated)

Explanation:  12 month Staff: 6.67 hrs month to 2nd hire date, then 10 hrs month - max. carryover on each anniversary is 160 hrs - not payable over 120 hrs on departure. No payout if departure before first anniversary.   
When?:  First day of employment.  Available for use after 6 months.  
Who Pays?:  Schreiner University
Who is Eligible?:  Full Time EE,  ¾ Time EE



Benefit:  Sick Leave (3/4 time pro-rated)

Explanation:
  8 hrs a month on hire date - accumulative to 480 hrs.  Not payable upon departure.
When?:  First day of employment.  Available as accrued.
Who Pays?:  Schreiner University 
Who is Eligible?:   Full Time EE,  ¾ Time EE



Benefit:  Personal Days (3/4 time pro-rated)

Explanation:
  16 hrs each anniversary year - no carryover.
When?:   First day of employment. Available  immediately.
Who Pays?:  Schreiner University 
Who is Eligible?:  Full Time EE, ¾ Time EE     



Benefit:  Holidays    

Explanation:  
14 holidays:   FY2015 and FY2016 Schedules
When?:  First day of employment.
Who Pays?:  Schreiner University
Who is Eligible?:  Full Time EE,  ¾ Time EE



Benefit:  Tuition Remission

Explanation:
   IRS qualified dependents, spouse & EE are free. 
When?:   After EE's first year anniversary date. 
Who Pays?:   Schreiner University
Who is Eligible?:  Full Time EE,  ¾ Time EE



Benefit:  Retirement 403B Plan

Explanation:
  TIAA-CREF or Lincoln Financial
EE contributes minimum 4%. SU contributes 6%.    
When?:  After EE's first year anniversary date SU contributes. EE can contribute from first day employment.  
Who Pays?:   EE places minimum 4%.   SU places 6%.
Who is Eligible?:   Full Time EE, ¾ Time EE



Benefit:  Voluntary Benefits    

Explanation:

VSP Assurant Vision Plan
AFLAC Insurance Products
Principal Life Insurance Company Supplemental Life Insurance for EE and  dependents

When?:
Sign up first 30 days of employment; effective first day of employment.  Annual Enrollment Only.  Supplemental Life can be requested anytime, but may be subject to approval.
Who Pays?:  EE pays entire cost
Vision monthly premiums $6.04 EE only, $12.08 EE + Spouse, $11.09 EE + Child(ren), $18.04 EE + Family
AFLAC and Supplemental Life - EE contributions vary based on age and coverage selected.
Who is Eligible?:  Full Time EE, ¾ Time EE, and IRS qualified dependents



Perk:  Facilities Use

Explanation:
  EE and dependents can use facilities - students have right to first use.
When?:  First day of employment.
Who Pays?:  Schreiner University
Who is Eligible?:  Full Time EE, ¾ Time EE, Part Time EE, Temporary EE



Perk:  Bookstore Discount

Explanation:
   Employees may receive discount on some Bookstore merchandise.  See Bookstore personnel for details.
When?:  First day of employment. 
Who Pays?:  Schreiner University
Who is Eligible?:  Full Time EE, ¾ Time EE, Part Time EE, Temporary EE



Perk:  Special Events

Explanation:
  Entrance to athletic events and campus events - Free unless otherwise noted.
When?:  First day of employment.   
Who Pays?:  Schreiner University
Who is Eligible?:  Full Time EE, ¾ Time EE, Part Time EE,Temporary EE

Note:
Benefit Accrual for less than full time will be pro-rated on number of hours worked.


Note: Faculty, VN's, Deans & Cabinet are contractual EE's & any benefit differences are stated in contract.


 

 

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