Guiding You Through Your 2024 Benefits
Meet Miranda My name is Miranda. I will be your tour guide as we walk your “ Hi2024there! benefits package. Together, we will explore each of the core components of your plan. Along the way, I will explain all the plan offerings, the choices available to you and considerations for you to know. Don’t worry I don’t have too many cheesy tour guide jokes!
” 2024 Open Enrollment Guide
I know benefits aren’t always easy to navigate, but don’t worry I’m here to help. Here’s what you need to know: Who: Employees working at least 30 hours per week, grandfathered employee, or elected official. What: City of Hamilton’s 2024 Open Enrollment When: Monday, November 13 to Friday, November 17, 2023 Where: Phone: (513) 371-5556 Online: Login | BenSelect (manhattanlife.com) Now let’s review some reminders for when you make your 2024 elections. • You can change your elections if/when you experience a qualifying life-changing event/ these events include marriage, divorce, birth/adoption of a child, enrollment in (or loss of) another group health plan, a change in employment status, etc. • Make sure you do a side-by-side comparison with your spouse’s coverage options to optimize each benefits package. • Estimate the types of services you might need in the upcoming year to ensure you aren’t under or over-insured. • Don’t forget to take your dependents’ needs into consideration as well!
How to Enroll ACTIVE OPEN ENROLLMENT All employees must actively enroll in or waive benefits for 2024. Your current benefits will not roll over automatically. • Call the Benefit Enrollment Center (513) 371-5556 to speak with a live representative who can answer any questions and enroll you in benefits. Representatives are available by telephone at these times: • Monday through Thursday 8:30 AM to 6:00 PM • Friday 8:30 AM to 5:00 PM • Or Login for Online Self-Service at Enrollonline Manhattanlife. • Your PIN is the last 4 digits of your SSN plus the last 2 digits of your birth year.
Check your confirmation statement for accuracy before the open enrollment deadline! No on-site enrollers – everything must be done by phone or online this year.
02
Guiding You Through Your 2024 Benefits: Welcome to Open Enrollment
Benefit Tip: If you are enrolled in a benefit offering that allows you to designate a beneficiary, remember to review this information periodically, especially when big life events happen, and update as needed.
The Tour Route & Stops Along the Way Your Employer
Vision Plan
Medical Plan
Life, LTD, STD
HSA & FSA
Wellness
Dental Plan
Mental Health Your Home
“ Let’s review our route!
”
Guiding You Through Your 2024 Benefits: Your Tour Route & Stops Along the Way
03
The Importance of Preventive Care The first stop on tour is the doctor’s office. The most important factor in living a healthy life is to take a proactive approach. It’s so important to make sure you are visiting your doctor each year for your annual physical. Preventive screenings are also crucial because they can help detect health conditions before they become a serious concern. Your doctor will help you stay on track with your age- and genderappropriate screenings.
And best of all—it’s free! Your preventive care visits and screenings are 100% covered by your health plan. Annual Physical
Routine Screenings
Your annual visit to your doctor to receive your physical is 100% covered by your health plan.
Mammograms
Vaccinations Vaccines & Boosters Flu Shots
Routine Blood Tests Glucose
Blood Pressure
Cholesterol
Colonoscopies
Routine Pediatric Care Well-Baby and Well-Child Visits from Birth to Age 21
COVID-19 Vaccine
Benefit Tip: Click the button below to watch a short video on how you can make an impact on the amount you pay for health insurance. Watch Now
04
Guiding You Through Your 2024 Benefits: The Importance of Preventive Care
Where to Go for Care One of the top ways you can save money on health care expenses is thinking about the appropriate place to receive care when you need it. If you were to fall and break your arm, the treatment you would receive in an emergency room unit and at an urgent care would be similar but would cost approximately 54% more at the emergency room. Try using the emergency room for true emergencies only to save money on your health care expenses.
Here are a few things to think about when navigating where to go for care:
Telemedicine (Access Soon) Use Telemedicine for the timely treatment of acute or chronic illnesses, or when it is hard to access Primary or Urgent Care Common illnesses
Chronic illnesses
Rural areas
Inclement weather
Primary Care Physician (Go Soon) Visit your Primary Care Physician for the timely treatment of acute illnesses and injuries
Preventive care
Common illness
Ongoing conditions
Referral to specialist
Urgent Care Physician (Go Quickly) Visit the Urgent Care Center for immediate, but non-life-threatening needs that require same day support. Allergic reactions
Sprains
Sore Throat
Vaccinations
Mild to moderate asthma attack
Emergency Room (Go Now) Visit an Emergency Room or call 911 for more serious or life-threatening conditions Heart attack symptoms
High fever
Difficulty breathing
Blood loss
Loss of consciousness
Benefit Tip: Most medical carriers have a Telemedicine platform. Check out this video for an Introduction to Telemedicine.
Watch Now
Guiding You Through Your 2024 Benefits: Where to Go for Care
05
Medical Medical Plan Plan What’s the Benefit: Employer-sponsored health insurance pays for part or all the medical services you (and your covered family members) receive. How Does it Work: You receive an ID card to share with your health care service providers, such as your primary care doctor, that will give them information about whom to bill for the services you receive. You will get an explanation of benefits from your medical carrier after your visit. This document will tell you how much of the total cost was covered by the medical plan and the portion remaining for you to pay your medical provider(s).
Considerations: City of Hamilton only offers one medical plan option. If you have access to your spouse's plan(s), here are a few tips to consider when determining which plan is right for you and your family:
Evaluate your risk
Estimate your medical expenses for the upcoming year
Understand your past medical expenses
Benefit Tip: Wait to receive your explanation of benefits from your medical carrier to pay your bill. Still have questions after reviewing your bill, contact HUB l HORAN’s Engagement Team at 844.694.6726.
06
Guiding You Through Your 2024 Benefits: Medical Plan
Medical Plan ***Disclaimer: It’s recommended that you use in-network HSA Choice Plus providers to receive care. You may be balance billed if you receive care from an out-of-network provider.
Benefits
In-Network Benefits
Non-Network Benefits
Embedded Deductible
$3,400 Single / $6,800 Family
$4,450 Single / $8,900 Family
Out-of-Pocket Maximum
$4,850 Single / $9,300 Family
$8,800 Single / $17,700 Family
Primary Care – Tier 1 Designated Provider Primary Care – Non-Tier 1 Designated Provider
Deductible, then you pay 0% Deductible, then $15 copay
Deductible, then you pay 30% Deductible, then you pay 30%
Specialist – Tier 1 Designated Provider Specialist – Non-Tier 1 Designated Provider
Deductible, then you pay 0% Deductible, then $30 copay
Deductible, then you pay 30% Deductible, then you pay 30%
Covered in full
Deductible, then you pay 30%
Inpatient & Outpatient Hospital
Deductible, then you pay 0%
Deductible, then you pay 30%
Emergency Room
Deductible, then $250 copay
Deductible, then $250 copay
Urgent Care
Deductible, then $50 copay
Deductible, then you pay 30%
Deductible, then $10 copay Deductible, then $35 copay Deductible, then $70 copay Deductible, then $10/$35/$70 copay
Deductible, then $10 copay Deductible, then $35 copay Deductible, then $70 copay Not Applicable
Wellness Visits
Prescription Coverage Tier 1 (Generic) Tier 2 (Preferred Brand Name) Tier 3 (Non-preferred Brand Name) 90-Day Mail Order
Premium Per 24 Pays
Deduction
Employee
$56.71
Employee + Spouse
$103.78
Family
$162.20
** Incentive to waive medical coverage. • If you waive coverage under the 2024 benefit plans you will waive all benefit plans (medical, dental and vision). • If you waive benefits, the City of Hamilton will pay you $2,400 in installments of $100 for 24 pays.
** A $50 monthly surcharge will be added to your premium if you have elected City of Hamilton medical coverage for your spouse and your spouse is eligible for qualified group-based coverage through their employer. The surcharge will not apply if your spouse is: • An employee of the City of Hamilton. • Not eligible for qualified group-based coverage through their employer, is not employed or is self-employed. • No longer active employee with their employer and is eligible for retiree benefits only. • Only eligible for Medicare benefits and no qualified group-based coverage. Employees may need to provide proof of eligibility.
Benefit Tip: What’s a Deductible? As a health care consumer, you pay the full cost of medical services before a health plan begins to pay towards the cost of your care. Once you’ve met the deductible, your plan will begin to pick up some or all the cost. Click the “Watch Now” button below for a video with more terms to know.
Watch Now
Guiding You Through Your 2024 Benefits: Medical Plan
07
Health Savings & Reimbursement Accounts Health Savings Account What’s the Benefit: Health savings account (HSA) is a savings account that can be used to save for qualified medical, dental and vision services on a pre-tax basis. How Does it Work: When you enroll in an HSA, you elect an amount to be taken from your paycheck and placed into a savings account. This account is designed to help offset medical, dental and vision expenses. You can use your HSA at the time of service, when you get a bill or to reimburse yourself on the back end.
NEW Carrier - PINNACLE: Beginning January 1, 2024, all employee HSA contributions will be sent to Pinnacle. In late December or early January, you will receive information about your NEW Pinnacle HSA account and your NEW debit card. Current HSA account holders have two options: 1. Keep First Financial Bank account and spend down funds or 2. Transfer the balance to Pinnacle Plan ahead to account for upcoming expenses. If you have a First Financial Bank account monies can be consolidate by visiting a branch location and initiating the transfer request. Please email completed Transfer Request Form to: HSAtransfer@pnfp.com. First Financial Bank will charge a $25 closing fee.
Contributions: The maximum amount you can contribute in 2024 is $4,150 (single) and $8,300 (family). Your employer contributes $1,000 for Employee and $2,000 for all other tiers if you complete all steps of the Kettering Health Living Well Program (see page 3 for full details or go online: (Healthy Hamilton Wellness). The amount your employer contributes is included in the maximum amount allowed.
Eligibility: You must be enrolled in a qualified high deductible health plan to contribute to an HSA. There are also certain reasons why you still may not be eligible for an HSA. These include: • You or your spouse are enrolled in a non-qualified high deductible health plan or a medical flexible spending account (FSA). • You are enrolled in VA, CHIP, Medicare or Medicaid benefits. • You can be claimed as a dependent on another person’s tax return.
Health Reimbursement Account What’s the Benefit: Health reimbursement account (HRA) is an employer-funded account that reimburses employees tax free for qualified medical expenses up to a fixed dollar amount. How Does it Work: Employees who complete the Living Well Program requirements and earn funding contributions from City of Hamilton for this account. This account is for employees who do not have an HSA or are not eligible to participate in an HSA. Funds do not rollover but employees with an HRA can open a full healthcare FSA or Guiding You Through Your 2024 Benefits: dependent care FSA. Health Saving Account
08
Flexible Spending Accounts Flexible Spending Account
Limited FSA
Dependent Care FSA
A flexible spending account (FSA) is an account that can be used to pay for qualified medical, dental and vision services.
A limited flexible spending account (LFSA) is an account that can be used to pay for dental and vision services ONLY.
A dependent care FSA (DCFSA) is an account that can help pay for daycare or other eligible expenses.
When you enroll in an FSA, you elect an amount to be taken from your paycheck and placed into a savings account. This account is designed to help offset medical, dental and vision expenses. The full amount you elect to contribute is available to you upfront. You can use your FSA at the time of service, when you get a bill or to reimburse yourself on the back end.
When you enroll in an LFSA, you elect an amount to be taken from your paycheck and placed into a savings account. This account is designed to help offset dental and vision expenses (not medical expenses). The full amount you elect to contribute is available to you upfront. You can use your LFSA at the time of service, when you get a bill or to reimburse yourself on the back end.
When you enroll in a DCFSA, you elect an amount to be taken from your paycheck and placed into a savings account. This account is designed to help offset daycare and other eligible expenses. The full amount you elect to contribute is available to you upfront. You can use your DCFSA at the time of service, when you get a bill or to reimburse yourself on the back end
•
•
•
• • •
Members can roll over $610 to the next calendar year. Maximum contribution is $3,050. Employees can enroll even if not electing City benefits. You cannot be contributing towards an HSA if enrolled in an FSA.
• • •
Members can roll over $610 to the next calendar year. Maximum contribution is $3,050. Employees can enroll even if not electing City benefits. You CAN have an LFSA and be contributing towards an HSA.
• • •
Funds do not roll over to the next calendar year. Maximum election $5,000 per household; $2,500 if married and filing separately. You CAN have a DCFSA and be contributing towards an HSA. Make sure you are using an eligible daycare provider.
• Any outstanding FSA claims up to December 31, 2023, should be sent to Custom Design Benefits for processing. • Up to $610 of remaining funds after the 90-day runout period will be given to Pinnacle to be loaded to your new FSA account for 2024.
Transportation FSA A flexible spending account (FSA) is an account that can be used to pay for qualified parking and mass transit expenses. Bi-weekly deductions can be taken for employee to reimburse themselves for qualified parking and mass transit expenses. The monthly maximum for reimbursement is $300.
Benefit Tip: Listen to our Benefits Beat podcast episode “Behind the Scenes: Dependent Care FSA” to learn more about DCFSAs:
Listen Now
Guiding You Through Your 2024 Benefits: Flexible Spending Accounts
09
Dental Plan Next up--the dentist office where we will cover your dental plan offerings. What’s the Benefit: Your dental plan covers your routine dental cleanings and can help offset additional dental expenses from basic to major services. How Does it Work: Every dental plan is different so make sure you view your plan details carefully to know what’s covered and how it’s covered
Considerations: • The annual maximum on your dental plan is the maximum amount a dental carrier will pay, including your preventive exams. • Once you reach your annual maximum for the year you pay for the cost of services in full. • It’s recommended that you have your dentist submit for a pre-determination prior to receiving services. A pre-determination will tell you if a service is covered and how much you will owe.
Benefits
In-Network
Deductible
$50/$150
Annual Benefit Max
$2,500
Preventive
Per 24 Pay
Covered in full
Deduction
Basic
Deductible, then you pay 20%
Single
$2.06
Major
Deductible, then you pay 20%
Employee + 1
$5.13
Family
$8.62
Orthodontia (up to age 19)
40% to $1,000 maximum
***Disclaimer: It’s recommended that you use in-network Dentaselect Plus providers to receive care. You may be balance billed if you receive care from an out-of-network provider.
Benefit Tip: There may be extra benefits that come with your plan--ask your HR team!
10
Guiding You Through Your 2024 Benefits: Dental Plan
Vision Plan Here we are at the optometrist’s office--EYE just love this place! Let’s talk about your vision plan. What’s the Benefit: Your vision plan helps pay for routine eye exams and prescription glasses and/or contact lenses. How Does it Work: It’s really that simple--use this plan to help cover your preventive exams, get the prescription eyewear that fit your needs or help offset the cost of contact lenses.
Benefits
In-Network
Per 24 Pays
Eye Exam
$15 copay
Single
$0.31
Standard Lenses
$25 copay
Employee + 1
$0.59
Family
$0.87
Lens Options UV Coating Tint Standard Scratch Resistance Conventional Contact Lens
Deduction
$15 $15 $15 $115 allowance, 15% off remaining balance Exams: 12 months Frames: 12 months Lens OR Contacts: 12 months
Frequency
***Disclaimer: It’s recommended that you use in-network providers to receive care. You may be balance billed if you receive care from an out-of-network provider.
Benefit Tip: Most vision plans come with a LASIK eye discount--make sure you ask your HR team if you are considering this procedure. Let’s discuss the importance of preventive dental and vision care:
Watch Now
Guiding You Through Your 2024 Benefits: Vision Plan
11
Additional Coverages The fire station is the perfect place to talk about the additional coverages offered to you by your employer. Here’s what you need to know:
Employer-Paid Life and Accidental Death & Dismemberment (AD&D) Coverage What’s the Benefit: Your employer provides $10,000 life insurance and AD&D coverage on your behalf at no cost to you. Employees can also purchase additional coverage up to $40,000 maximum in $10,000 increments. Additional coverage over $10,000 costs employees $0.15 per $1,000. How Does it Work: Life insurance will pay your beneficiary a lump sum in the event that you pass away. AD&D pays an additional benefit if you are involved in an accident.
Considerations: •
Your employer may have eligibility requirements you might have to meet for this benefit.
Maximum Benefit
Voluntary Life and Accidental Death & Dismemberment (AD&D) Coverage
Employee
5x annual earning to $500,000
Spouse
50% employee coverage to $250,000
What’s the Benefit: You have an opportunity to purchase additional Life and AD&D Coverage on top of what your employer provides to you.
Dependent Child(ren)
How Does it Work: You can elect coverage for yourself, your spouse or your dependent children.
Employee
3x annual earning to $200,000
Spouse
$50,000
Dependent Child(ren)
$10,000
$10,000
Guarantee Issue Amounts
Considerations: •
12
You may be required to respond to medical questions (Evidence of Insurability) for your benefit election to be approved if you elect over the Guarantee Issue Amount.
Guiding You Through Your 2024 Benefits: Additional Coverage
Benefit Tip: Please review your beneficiary designation regularly and update as needed.
Disability Short-term Disability (STD) Coverage What’s the Benefit: Short-term disability coverage protects a portion of your income should you be unable to work for a short time due to illness or injury. How Does it Work: A weekly benefit of 60% of your covered earnings to a maximum of $600 per week. Benefits begin on the 15th day of your injury or illness and are payable up to 24 weeks.
Considerations: • This STD policy has a pre-existing condition clause of 3 months prior to the effective date of coverage and 6 months after the policy effective date that may disqualify coverage if you have sought treatment for a related injury or illness prior to enrolling in the coverage. • Anyone electing STD coverage during Open Enrollment will be approved without health questions.
Long-term Disability (LTD) Coverage What’s the Benefit: Long-term disability coverage protects a portion of your income should you be unable to work due to illness or injury. This benefit features vocational rehabilitation benefit, partial disability benefits, alcohol and drug abuse, and mental disorders support. How Does it Work: A monthly benefit of 60% of your covered earning up to a maximum of $2,600 monthly. Benefits begin after 180 days of disability to a maximum duration of 65 or your Social Security Normal Retirement Age (SSNRA).
Considerations: • This LTD policy has a pre-existing condition clause of 3 months prior to the effective date of coverage and 12 months after the policy effective date that may disqualify coverage if you have sought treatment for a related injury or illness prior to enrolling in the coverage. • Anyone electing LTD will require evidence of insurability. OPERS reminder: Disability coverage is only available after five years of qualifying service for anyone hired after 2013. Even with OPERS disability coverage, you may have gaps in income. Consider enrolling in the Mutual of Omaha coverage for additional protection. **Rates vary based on plan type. Rates for both disability plans can be found at www.manhattanlife.benselect.com Benefit Tip: Thinking about starting a family? Short-term disability can provide you with a portion of your income while you are on maternity leave! If you are already pregnant, that would be considered a pre-existing condition and you may not be able to tap into this benefit for this pregnancy.
Guiding You Through Your 2024 Benefits: Disability
13
Additional Coverages Accidental Coverage What’s the Benefit: Accident coverage can help to offset expenses incurred if you or a covered family member seek treatment for covered injuries due to an accident. How Does it Work: Your provider will file claims covered by your medical plan for you, but with this type of plan you will submit the claim yourself! Once you have submitted a claim that is deemed covered by the plan, a check will be mailed to your home.
Level 1
Level 2
Level 3
$500
$1,000
$2,000
$75/$150
$150/$300
$300/$600
First Hospitalization Benefit
$250
$500
$1,000
Hospital Confinement
$75
$150
$300
Up to $750
Up to $1,500
Up to $3,000
Accident Medical Expense Ambulance Benefit – Ground/Air
Bone Fracture & Dislocation Benefit Accidental Death, Dismemberment, and Loss of Sight
Provides a death benefit up to $20,000 as a result of an accidental death. A percentage of the benefit is paid for dismemberment of loss of sight due to an accidental injury.
Hospitality Indemnity Coverage What’s the Benefit: Hospital indemnity coverage can help offset expenses incurred if you or a covered family member are admitted and need to stay at the hospital. How Does it Work: Your provider will file claims covered by your medical plan for you, but with this type of plan you will submit the claim yourself! Once you have submitted a claim that is deemed covered by the plan, the benefit pays directly to you or whomever you designate. Benefit
Level 1
Level 2
Hospital/Maternity First Admission
$500
$1,000
Hospital Indemnity
$100 per day
ICU/CCU/Burn Unit Benefit
$100 per day
Benefit Tip: Receive a preventive exam and submit the claim to receive the wellness benefit of $50 once per covered person, per year. File claim by calling 855-448-6982 or submitting a claim form found in the forms library.
**Rates vary based on plan type. Rates for both disability plans can be found at www.manhattanlife.benselect.com
14
Guiding You Through Your 2024 Benefits: Additional Coverages
Additional Coverages Critical Illness Coverage What’s the Benefit: Critical Illness coverage can help to offset expenses incurred if you or a covered family member are diagnosed with a covered illness. How Does it Work: Your provider will file claims covered by your medical plan for you, but with this type of plan you will submit the claim yourself! Once you have submitted a claim that is deemed covered by the plan, a check will be mailed to your home.
Election Amounts Employee
$5,000 increments up to $50,000
Spouse
$2,500 increments up to $25,000
Dependent Child(ren)
Examples of Covered Illnesses
$2,500 increments up to $5,000 per child
Benefit Amount for Approved Claim (% of covered amount)
Heart attack
100%
Stroke
100%
Coma
100%
Loss of sight, speech, or hearing
100%
End-stage renal failure
100%
**Rates vary based on plan type. Rates for both disability plans can be found at www.manhattanlife.benselect.com
Benefit Tip: Receive a preventive exam and submit the claim to receive the wellness benefit of $150 after the plan is in effect for 90 days. File a claim by calling 855-448-6982 or submitting a claim form found in the forms library.
15
Guiding You Through Your 2024 Benefits: Additional Coverages
Additional Coverages AblePay What’s the Benefit: AblePay is a program that can save you money on your out-of-pocket (up to 13%) along with helping you if you ever have questions/concerns on a medical bill. AblePay is offered at NO-COST (no monthly/annual fees) to you by the City of Hamilton and it also provides flexible payment terms for your out-of-pocket medical expenses. How Does it Work: 1. Visit the website (www.ablepayhealth.com) and click “Enroll Now” https://enroll.ablepayhealth.com/apply/Horan2024 2. Enter your demographic Information and list “City of Hamilton” your employer. 3. Add your family members that you’ll be responsible for (they can have a different insurance plan) 4. Add your default payment term and payment method(s) 5. Receive your AblePay card in the mail and keep with insurance card When do I use AblePay? Providers currently accepting AblePay include Premier Health, Dayton Children’s Hospital, TriHealth, Beacon Orthopaedics, and Family Allergy and Asthma. AblePay is also having success in getting discounts for their members at other providers throughout the country – try and use the card everywhere! How do I use AblePay? Show your AblePay card along with your insurance card to medical providers. They will process your AblePay card like secondary insurance. After your service is complete and your insurance company processes your claim, your provider will bill AblePay. You will get an email from AblePay notifying you that we received your bill and the amount you owe (after your insurance has paid their portion). You will have 5 days to decide if you would like to change your payment method and terms to one of the options below. If you do nothing, after 5 days the first payment will be pulled from your default payment method based on the term you originally chose. Savings example: You have a $1000 medical bill from Premier Health or TriHealth (both providers currently accepting AblePay). You pay AblePay $870, save $130, while the full $1000 goes toward your deductible and is satisfied at the provider! You can tie an FSA or HSA card as a payment method to further stretch those funds! Have an existing bill? Contact AblePay to see if they can help! Number of Payments
Savings Percentage
1 Payment
Save 13% with Bank ACH, 10% with credit/debit card
3 Payments
Save 10% with Bank ACH, 7% with credit/debit card
6 Payments
Save 8% with Bank ACH, 5% with credit/debit card
12 Payments
Save 0% with Bank ACH, 10% with credit/debit card (no interest)
**Any questions? Visit the website ablepayhealth.com or call (484) 292-4000!
16
Guiding You Through Your 2024 Benefits: Additional Coverages
Wellness Program Now on to the BeneFIT gym--let’s talk about your employer’s wellness program and a few additional resources that HUB l HORAN offers that can help you with your personal physical and financial wellness goals. The City of Hamilton partners with Kettering Health through the Living Well program to provide exciting incentives for employees who complete their wellness goals. There are six steps you and your covered spouse must complete to get your HSA contributions from the city.
Health Plan Coverage Potential Account Funding Available
Employee Only
Employee + One
Family
$1,00
$2,000
$2,000
Qualifying employees will receive their HSA/HRA contribution when all program requirements have been completed.
1. Complete Annual Preventive Physical with Primary Care Physician between September 1, 2023, and August 31, 2024. • Provider must complete their portion of the Exam Reporting Form. *NEW Age/Gender Preventive screenings* 2. Complete Biometric Screening or Lab Test Blood Draw between September 1, 2023, and August 31, 2024. • Provider must complete their portion of the Exam Reporting Form. • Completion of a Reasonable Alternative is required if you are found to have Metabolic Syndrome. 3. Complete Living Well 2024 Registration Form. 4. Complete the Health Risk Assessment online through Kettering Health Network. • This requirement is only applicable for the Employee and NOT the covered spouse. 5. Return all completed forms to Kettering Health Network by August 31, 2024.
Benefit Tip: Looking for additional wellness tools to help you in your personal wellness journey? Contact your Kettering Health Community Outreach to request additional resources.
Guiding You Through Your 2024 Benefits: Wellness Program
17
Wellness Program Wellness Program Continued: Below you will find more details about Kettering Health Living Well Program Requirements to that must be completed in order to receive your HSA or HRA contributions from the City.
2024 Account Funding The City provides employee who complete the Living Well Program requirements with the HSA/HRA funding according to the outlined schedule below. Contributions are distributed to qualifying employees in a single payment. HSA/HRA contributions are received when ALL program requirements have been completed.
Health Risk Assessment 2024 Onsite Biometric Screening: Please see chart
All Requirements Completed By
HSA/HRA Funds Distributed
January 31
February
March 31
April
May 31
June
June 30
July
August 31
September
To schedule an appointment, go online and enter the following: http://bit.ly/LivingWell2023 800.888.8362 healthyhamilton@ketteringhealth.org Metabolic Syndrome Employee & Spouses covered by the health benefit plan who have 3 or more risk factors are considered MetS. Participants are then required to complete the following alternative to receive a portion of HSA/HRA funds. Engage your Primary Care Physician on personal health plan. Individuals must submit the Physician Release Form no later than August 31, 2023. Jennifer Aufderheide 937.558.3917 Jennifer.Aufderheide@ketteringhealth.org Individuals must submit a certification of completion no later than August 31, 2024.
18
Guiding You Through Your 2023 Benefits: Wellness Program
Location
Day
Date
Screening Time
City Building
Tuesday
3/5/2024
8:00 -11:00 am
Garage
Thursday
3/7/202
7:00 -10:00 am
Police
Tuesday
3/12/2024
6:30 – 9:30 am
Water
Thursday
3/14/2024
7:00 – 9:30 am
Police
Thursday
3/21/2024
6:30 – 9:30 am
Fire
Tuesday
4/3/2024
8:00 – 11:00 am
Fire
Wednesday
4/4/2024
8:00 – 11:00 am
Garage
Tuesday
4/9/2024
7:00 – 10:00 am
City Building
Wednesday
4/17/2024
8:00 – 11:00 am
Hamilton Health Center
Saturday
5/4/2024
8:30 – 11:30 am
Fire
Saturday
6/15/2024
8:30 – 11:30 am
Hamilton Health Center
Saturday
8/3/2024
8:30 – 11:30 am
Benefit Tip: Looking for additional wellness tools to help you in your personal wellness journey? Contact your Kettering Health Community Outreach to request additional resources.
Mental Wellness Mental Wellness Tool What’s the Benefit: A mental wellness platform that helps you be your best self, at work, at home, and in your relationships. How Does it Work: Provides access to personalized 1:1, group, and self-serve resources for your wellbeing, so that you can be the best version of yourself. The program includes 10 free sessions with a behavioral specialist and 10 free sessions with a coach, which renews every plan year.
• • • • • • • • •
Anxiety ADHD Autism Spectrum Depression Disordered Eating Grief Spirituality Obsession & Compulsions Trauma
• • • • • •
Burnout Career Change Workload Promotions Work/Life Balance Reduction in Workforce
• • • • •
Romantic Relationships Friendships Divorce/ Breakups Community Inclusion & Belonging
• • • • •
Exercise Health Diet Medical/ Health Sleep Chronic Conditions
• • • • • •
Goals Budgeting Saving Debt Investment Financial Wellbeing
How to get Started: Download Modern Health mobile app or go to my.modernhealth.com Email: City of Hamilton email Company Code: City of Hamilton
Guiding You Through Your 2024 Benefits: Mental Wellness
19
United Way Butler County United Way Butler County United Way strives to be the trusted community partner, leading impactful change for human service needs in Butler County. Their mission is to unite our community and maximize resources to build a stronger Butler County. The donations that are received from generous donors are used to fund programs supporting education, financial stability, and health programs in the areas that we serve throughout Butler County including, Fairfield, Hamilton, Liberty Township, Oxford, Ross, West Chester, and all areas in between. Please view this short video to learn more about the organization. Who is Butler County United Way on Vimeo
Education
Financial Stability
We make home work easier.
Health We make health a priority.
We turn jobs into careers.
Butler County United Way is partnering with some of the following Agencies and Funded Programs. • Educational Programming: Big Brothers Big Sisters of Butler County, Boys & Girls Club of Hamilton and West Chester, and Hope’s Closet. • Financial Stability Programming: American Red Cross Greater Cincinnati Tri-State Chapter, Salvation Army Middletown, and Shared Harvest Foodbank. • Health Programming: Butler County Special Olympics, Cancer Family Care, and Women Helping Women.
20
4,619,202
44,326
26,927
991
Pounds of food were distributed to Butler County residents.
Bags of food distributed to students for healthy living and support of academic success.
Volunteer hours of service were logged, impacting 8,344 Butler County residents.
Individual accessed affordable housing, financial assistance, and other human services.
Guiding You Through Your 2024 Benefits: Additional Coverages
Rate Sheet The last stop on the tour is your home. Get comfy and we’ll quickly recap everything we’ve covered today on the tour.
LONG TERM DISABILITY
MEDICAL Per Payroll
Age Deduction
Employee
$54.14
Employee + Spouse
$99.08
Family
$154.86
DENTAL Per Payroll
Deduction
Employee
$1.96
Employee + Spouse
$4.89
Family
$8.21
VISION Per Payroll
Deduction
Employee
$0.31
Employee + Spouse
$0.59
Family
$0.87
Monthly Rate per $10
Under 19
$0.07
20-24
$0.08
25-29
$0.10
30-34
$0.16
35-39
$0.22
40-44
$0.35
45-49
$0.49
50-54
$0.66
55-59
$0.67
60-64
$0.71
65-69
$0.80
70-99
$0.84
VOLUNTARY LIFE AND AD&D Age
Monthly Rate per $1,000 of Covered Salary
Under 19
$0.07
20-24
$0.07
Monthly Rate per $10
25-29
$0.07
20-24
$0.34
30-34
$0.08
25-29
$0.34
35-39
$0.11
30-34
$0.35
40-44
$0.18
35-39
$0.35
45-49
$0.28
40-44
$0.37
50-54
$0.48
45-49
$0.40
55-59
$0.77
50-54
$0.45
60-64
$1.03
55-59
$0.54
65-69
$1.62
60-64
$0.70
70-74
$2.83
65-69
$0.78
75-79
$4.90
70-99
$0.81
80 +
$4.90
SHORT TERM DISABILITY Age
Guiding You Through Your 2023 Benefits: Rate Sheet
19
Contact Us Thank you for joining me on the tour today! Good luck during your Open Enrollment Benefits election period and please do not hesitate to reach out to your benefit carriers or my friends at HUB l HORAN— your go-to benefit experts!
“ See you next time!
”
Carrier Contact Information
Medical
HSA/FSA/HRA
Dental
Vision
Carrier: United Healthcare Phone (866) 633-2446 www.myuhc.com
Carrier: Pinnacle Phone (888) 282-2605 www.pnfp.com/health
Carrier: Dental Care Plus Phone (800) 367-9466 www.dentalcareplus.com
Carrier: Eye Med Phone (866)723-0514 www.eyemed.com
Life and AD&D
Short-Term & LongTerm Disability
Accident, Hospital Indemnity, Critical Illness
Mental Health
Carrier: Mutual of Omaha Phone (800) 877-5176 www.mutualofomaha.com
Carrier: Manhattan Life Phone (855) 448-6982 www.manhattanlife.com
Carrier: Modern Health help@modernhealth.com www.modernhealth.com
Carrier: The Hartford Phone (800) 523-2233 www.thehartford.com
Name: Emilia (Sol) Otero Carbajal Phone (513) 785-7351 Sol.otero-carbajal@hamilton-oh.gov
Your HR Team
©HORAN 2023. All rights reserved.
Phone (844) 694-6726 engagement@horanassoc.com Monday – Friday 8:30 a.m. to 5:00 p.m.
HUB I HORAN’s Engagement Team
This packet is intended to provide a brief overview of your employee benefits. If there is a discrepancy between the enclosed documents and the certificate of coverage, the certificate of coverage for each plan will be the final determining document.