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Destination: 2013 Enrollment

The Road to Enrollment

Your Roadmap for What’s New for 2013

Your Benefit Options for 2013

Navigating Open Enrollment

Questions?

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What’s New for 2013?

CIGNA Healthcare Changes

New Plan Option: CIGNA PPO Healthcare Plan

CIGNA Premium Discount and Wellness Incentive opportunities

Addition of CIGNA Personal Health Team Services

Teamsters’ BlueShield Changes

Premium Increase

Plan Design Changes

New Optional Long Term Disability Plan (LTD70)

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Shift into Gear: Your Personal Health Team

Your CIGNA Personal Health Team

• Employees and covered family members enrolled in CIGNA healthcare plans are eligible • Employees enrolled in non-CIGNA plans will have

access to EAP services only

• Team of health specialists including nurses, dieticians, clinicians and counselors

• Ready to work with you, learn about your needs and help you find solutions.

• All services are optional

Protecting Your Privacy

Your interactions with your PHT

are confidential!

How a Health Advocate Can Help

Explain the preventive care benefit and the

screenings that are appropriate for you

Provide unbiased advice on

treatment options

Discuss your CIGNA HRQ

results and action steps

Support changing unhealthy habits: Tobacco, Stress &

Weight

Help you better manage chronic

conditions

Support for mental health issues,

substance abuse & emotional crisis

Provide referrals to counseling and

community services

Provide educational materials, reminders of important tests/exams, self-care information

Ithaca On-Site Wellness Clinic

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For All Employees

Ithaca’s Annual Fitness Membership Reimbursement Program

Ithaca Wellness Program offers Employee Fitness Reimbursement: 50% of gym fee up to a maximum of $200 per calendar year.

All full-time employees are eligible to participate regardless of healthcare plan

Reimbursement requires evidence of an annual wellness exam at our On-Site Wellness Clinic as part of our Wellness Program (voucher issued by clinic).

• If wellness exam is completed with employee’s primary care physician, proof is required such as an insurance claim/explanation of benefits from the visit

Copy of a paid receipt from the fitness facility is required to process reimbursement.

Join an area fitness club

and pay their membership

fee

Schedule your annual

wellness exam at our on-site clinic or with

your own PCP

Bring a copy of your paid

receipt & proof of wellness exam to the HR Office

Additional Points of Interest

2013 Medical Plan Options

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A Look at the Medical Plans for 2013

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In-Network BenefitsCIGNA

Choice Health FundCIGNA

PPOTeamsters’

BlueShield PPO

Deductible $1,500 or $3,000 $200 or $400 None

BW Funded HRA $750 or $1,500 No HRA No HRA

Preventive – Adult 100% 100% $20 Co-pay

Preventive – Child 100% 100% 100%

Co-insurance pays 80% 90% 95%

Co-pay - PCP No Co-pays $20 $20

Co-Pay - Specialist No Co-Pays $40 $20

ER Per Visit 80% $100 $100

Urgent Care Per Visit 80% $50 $35

Out-Pocket Max $3,000 - $6,000 $3,000 - $6,000 $1,000 - $3,000

CIGNA Choice Health Fund (HRA)

In-Network Deductible

$1,500 single $3,000 family

HRA Fund $750 single $1,500 family

Co-Insurance 80% company paid

Stop-Loss (co-insurance only) $3,000 single $6,000 family

Preventive Services Covered at 100% by BorgWarner with no

deductible

Out-of-Network Deductible

$3,000 single $6,000 family

HRA Fund Same as In-Network Fund

Co-Insurance 60% company paid

Stop-Loss $6,000 single $12,000 family

Recap

How the CIGNA HRA Plan Works

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In-network preventive care covered at 100% without deductible

For medical and prescription expenses only. Cannot be used for dental or vision expenses.Includes member deductible gap

Recap

CIGNA CHF Prescription Drug Plan

In-Network BenefitRetail

(30-day supply)Mail Order

(90-day supply)

Generic $8 $16

Brand Formulary $8 + 30% 30% up to $150 per Rx

Brand Non-Formulary $8 + 50% 50%

Specialty RX Formulary

30% up to $50 per Rx for initial supply only

30% up to $150 per Rx

Specialty RxNon-Formulary

50% up to $100 per Rx for initial supply only

50% up to $300 per Rx

Recap

In-Network Deductible

$200 single $400 family

Co-Pays $20 Primary Care Office Visit $40 Specialist Office Visit $50 Urgent Care $100 Emergency Room

Co-Insurance 90% after deductible for services such as

hospitalization, x-rays, MRIs, etc Stop-Loss (co-insurance only)

$3,000 single $6,000 family

Preventive Services Covered at 100% by BorgWarner with no

deductible

Out-of-Network Deductible

$400 single $800 family

Co-Insurance 80% after deductible

Stop-Loss $ 6,000 single $12,000 family

Preventive Services Covered at 60% by BorgWarner

after the deductible

CIGNA PPO Medical Plan for 2013

CIGNA PPO Prescription Drug Plan

In-Network BenefitRetail

(30-day supply)Mail Order

(90-day supply)

Generic $10 $16

Brand Formulary $30 30% up to $150 per Rx

Brand Non-Formulary $50 50%

Specialty RX Formulary

Covered throughMail Order

$100 for a 30 day supply

Specialty RxNon-Formulary

Covered throughMail Order

$100 for a 30 day supply

Teamsters’ BlueShield PPO

In-Network Deductible

$0 single $0 family

Co-Pays $20 Office Visit $35 Urgent Care $100 Emergency Room

Co-Insurance 95% with no deductible for services such

as hospitalization, x-rays, MRIs, etc

Stop-Loss $1,000 single $3,000 family

Preventive Services $20 Co-pay applies

Out-of-Network Deductible

$250 single $500 family

Co-Insurance 70% after deductible

Stop-Loss $2,500 single $5,000 family

Preventive Services Not covered

Update

Teamsters’ Prescription Drug Plan Recap Optum Rx (formerly Prescription Solutions)

Provides prescription coverage for BlueShield plan

Separate Card Needed Do not use the BlueShield card or phone number on back of card If you do not receive separate card, call the Teamsters’ Health & Welfare Office

Mandatory mail-order for long-term prescriptions On-going prescriptions for conditions such as blood pressure and cholesterol were

converted to mail-order in 2011 New prescriptions for these types of medications may be filled one time at retail

pharmacy and then must be converted to mail-order

In-Network BenefitRetail

(30-day supply)Mail Order

(90-day supply)

Generic $10 $20

Brand Formulary $20 $40

Brand Non-Formulary $50 $100

Additional Points of Interest

2013 Health Plan Rates, CIGNA Premium Discounts,& Wellness Incentives

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2013 Health Plan Monthly Premiums

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Monthly Health Plan Premiums and Discounts(premium discounts apply to CIGNA healthcare plans only)

$100 Discount $50 Discount $0 Discount

Medical Plan TWO Discounts ONE Discount NO Discounts

CIGNA CHFEmployeeFamily

$0$0

$50$50

$100$100

CIGNA PPOEmployeeEmployee +1Family

$84$166$221

$134$216$271

$184$266$321

Teamster PPOEmployeeEmployee +1Family

N/AN/AN/A

N/AN/AN/A

$131$235$323

Health Risk Questionnaire (HRQ)

Each year you will have the opportunity to complete a HRQ to earn a $50/month Premium Discount (CIGNA only)

The HRQ is a series of questions to help you to assess your current health issues/risks. Once complete, you receive a final report to use with recommendations of ways to improve areas that have been identified as potential issues or risks

HRQ can be taken from any computer with internet access

On-Site help is available if you need it

Your personal health information and individual HRQ Score are NOT shared with BorgWarner

BorgWarner will only receive confirmation of your completed HRQ so we can give you credit for the discount

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Tobacco Cessation Pledge

Each year you will be given the opportunity to take a Tobacco Cessation Pledge to earn a $50/month Premium Discount (CIGNA only)

There are two options that you can elect to earn the Premium Discount: Non-Tobacco User: pledge to remain tobacco free during

the year. Tobacco User: pledge to complete one of the Tobacco

Cessation Programs offered: The Program that you select must be completed Feb 28

of the following year; If not completed the discount will be forfeited on April 1

Enrollment Form

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Discount 1: Online HRQ

Discount 2: Tobacco

Select Your Plan for 2013

Accessing the CIGNA On-Line HRQ

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How to Access CIGNA On-Line HRQ:

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Cholesterol & Blood Pressure Screening - and On-Line HRQ Help Available!

Lorna Colburn RN will be available for Cholesterol andBlood Pressure Screenings - free to employees.

Help will also be available if you need to complete theonline HRQ for your insurance premium discount for 2013!

 

Location: TC Cafeteria Thursday, Nov 1, 2012:

6 am to 4 pmWednesday, Nov 7, 2012: 7 am to 4 pm

Location: ETC Heat Treat Conf Room Friday, Nov 2, 2012:

6 am to 4 pm

Location: ETC Cafeteria Tuesday, Nov 6, 2012:

7 am to 4 pm

Can’t make one of these dates? Call the Wellness Clinic x5018

Tobacco Cessation Program Options

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How to Access CIGNA Quit Today:

Call Your CIGNA Health Advocate at 1-800-237-2904

OR

Wellness Program sponsored on-sitesupport classes: call 266-5018

Specialist from Cayuga Medical Center will be on-site conducting support classes.

Telephonic Tobacco Cessation Support

CIGNA Quit Today Program 6-week program

Coaching provided via phone Program includes:

Toolkits Free Nicotine replacements – OTC patch/gum

Develop a personalized quit plan Support line 7 days a week, 24 hours a day Follow-up and long term support post-completion Program may be completed on your schedule

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On-Site Tobacco Cessation Support

CIGNA CHF/PPO Wellness Incentives

Program

CIGNA CHF Annual

Incentives *

CIGNA PPO Annual

Incentives *You and/or your spouse participates in a CIGNA disease management program (Asthma, Coronary Artery Disease, COPD, Diabetes, Depression, Heart Disease, Low Back Pain and more)

$200 credit in

HRA $200 taxable Gift Card

Spouse completion of the online myCigna.com HRQ $50 credit in HRA $50 taxable Gift Card

Spouse graduation from the CIGNA Tobacco Cessation Program $50 credit in HRA $50 taxable Gift Card

Employee and/or spouse graduation from the CIGNA Stress Management Program $50 credit in HRA $50 taxable Gift Card

Employee and/or spouse graduation from the CIGNA Weight Management Program $50 credit in HRA $50 taxable Gift Card

• an employee or spouse can earn a maximum of $200 annually

Additional Points of Interest

Other 2013 Benefits:Dental/VisionFSALifeDisability

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Dental/Vision – Combined Benefit

Dental Checkups Fillings Braces Go to www.mycigna.com to print

a temporary card (or use your CIGNA Health Card if enrolled)

Vision Eye exams Glasses or contacts Go to www.mycigna.com

then click on CIGNA Vision for vision directory

2012 Monthly Cost Share Dental/ Vision

Employee Only $12

Employee +1 $25

Family $25

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Flexible Spending Accounts

Health Care FSA or Dependent Care FSA Employee-funded with pre-tax dollars You make tax-free contributions and you get tax-free

reimbursements Health Care FSA:

Full amount available January 1 for HC FSA Use to fund your member deductible gap Use after the HRA fund Federal rule says year-end balance forfeited if not used by Mar 15, 2013 Have until Mar 31, 2013 to submit claims

Dependent Care FSA forfeits if not used by Dec 31, 2012 You must enroll every year

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Reduced Health Care FSA annual contribution maximum From $5,000 to $2,500 per employee

Limit is per person you and your spouse can each contribute to an

employee sponsored plan for a total max of $5,000

Consider this when planning how to cover your HRA deductible gap and out-of-pocket maximums

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Health Care Reform Changes - FSA

Benefits Paid by BorgWarner

Basic Life Provided directly through MetLife

Provides financial protection for your survivors in event of your death while employed at BorgWarner

Benefit is equal to 1X your annual base pay as of January each year

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Make sure your life insurance will be handled the way YOUwant by designating your beneficiary!

To designate or change your beneficiary for any of your life insurance policies call

MetLife Directly at 1-888-622-6616 or visit their website online at:

www.metlife.com/mybenefits

Designate Your

Beneficiary!

Recap

Optional Life Insurance

Employee contributes to cost Offered directly through MetLife

www.Metlife.com/mybenefits

Coverage options include: Employee Life:

1 times annual base pay up to 8 times base pay Spouse Optional Life:

$5,000/$10,000/$25,000/$50,000/$150,000/$250,000 Child Dependent Life:

$5,000/$10,000/$15,000/$20,000

No “guaranteed coverage” during open enrollment Apply for coverage changes at any time during the year

subject to Evidence of Insurability (EOI)

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Special Optional Life Enrollment

For Optional Life & Dependent Optional Life Open to all current active BW employees with min 60 days of service

Enroll for the first time or increase current coverage (if already enrolled) at any level without usually required Evidence of Insurability 5 simple medical questions instead

Nov. 24, 2012- Dec. 14, 2012 Effective Coverage Date: January 1, 2013

Look for more information soon!

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DISABILITY/FMLA

Short-Term Disability (STD) begins after you’ve been absent from work for seven days for a non-work related illness or injury. It pays a portion of your current earnings as outlined in your union contract while you are disabled.

Family Medical Leave Act (FMLA) is a federal law that entitles eligible employees to take unpaid, job-protected leave for specified family and medical reasons. Specific eligibility requirements and rules of use apply.

Long-Term Disability (LTD) begins after you’ve been disabled for more than six months and meet the insurer’s definition of disabled. It pays a portion of your current salary up to $5,000 per month* until you reach normal retirement age.

* Long-term disability benefits will be reduced by the amount of other income you may receive such as Social Security or workers’ compensation. Coverage begins after 1 year of service.

Disability benefits provide your family with a source of income if you are unable to work due to a non-work-related illness or injury.

The company provides these benefits for you and there is no need to enroll.

See your current union contract for eligibility requirements, waiting periods, and payment details.

Call CIGNA to apply when you need to use the benefit

Contact HR for a packet that explains the process for both STD and FML

Recap

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Long-Term Disability Options

Design Basic Plan60% Coverage

Buy-Up Pan70% Coverage

Benefit Level 60% of annual earnings 70% of annual earnings(including average of past three years of bonus pay)

Taxation of LTD Benefit

100% taxable Only the portion of the benefit BW pays for is taxableMINIMIZES YOUR TAX BURDEN

Income Replacement

Lower Higher

Premium BW Paid Employee Paid

Rates for each employee are on the enrollment form that was mailed as part of the enrollment packet. Individual letters have also been sent.

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LTD70 Example

Tax Advantage LTD 60% BW Base Plan

LTD 70% Buy Up Plan

Joe’s Monthly Cost $0 $17.62

Total Benefit Available $2,250 $2,693

Taxable Portion of Benefit

$2,250 $778(28.9% of $2,693)

25% Tax Bracket -$563 -$195

Monthly BenefitAfter Taxes

$1,688 $2,498

Income Replaced 45% 65%

Joe earns $45,000 (avg. bonus over last 3 years $1,167)

Enrollment Form

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Disability:New Election

Additional Points of Interest

Navigating Enrollment

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Navigating Open Enrollment

Check out Page 5 ofyour Enrollment Guide forRoadside Assistance

Dependent Coverage Rules

Your children may be enrolled in medical and dental/vision plans up to age 26, regardless of whether the child is living at home, is listed as a dependent on your tax return, is a student or is married.

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Reminder

A child is defined as: Biological child; Legally adopted child or a child who has been placed with you for

adoption; Stepchildren (Restrictions may apply); Court-appointed child for whom you have full (not limited) legal

guardianship; or A child for whom you are required to provide health care support

under a Qualified Medical Child Support Order (QMCSO).

Life Insurance eligibility for children is different Children may remain insured to age 19, or if full-time student, to age 25

If enrolling a spouse for the first time Provide a copy of your marriage license Include spouse’s full social security number and date of birth Working Spouse rules may apply

If enrolling a child under age 26 for the first time Provide a copy of the child’s birth certificate (or other legal

documentation such as support order, adoption papers, etc) Include child’s full social security number and date of birth

Enrolling Dependents in the Plan

What This Means to You/Action to Take

Adding a dependent? Complete the “Eligibility” section of your form and provide appropriate documentation.

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Reminder

Enrollment forms due in HR by November 16

Benefits take effect January 1, 2013

If enrolling spouses or dependents, make sure to include supporting documents with your form: a marriage license, birth certificate, or other legal documents as required

If enrolling in CIGNA medical plans, complete the premium discount requirements: Online HRQ deadline: November 30, 2012 Smoking Cessation Program (if needed): February 28, 2013

Key Items to Remember

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Your Destination: 2013 Enrollment

Enroll by November 16

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