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Microsoft word - 2014 open enrollment letter-nu-rn 1 week 11072013.doc

Your current benefit Confirmation Statement can be found on Employee Self Service under the tab “Benefits”., then select “Current Benefits.”
Self Service Login Instructions
:
Log onto Employee Service by using one of the following methods: From the Hospital Intranet use Resource Links, Lawson Portal From a Internet browser screen type in the following address: https://ch-lawson-web.crittenton.net/lawson/portal/index.htm
Use your normal CHMC Login and Password (also known as your network login and password)
to access the menus.
Login Questions may be directed internally to the Help Desk at extension 6666 or from Outside
the Hospital dial 248-823-0136.
NOTE: Software requirements if accessing this from home:
Web Browser Microsoft Internet Explorer 6.0, 7.0 or 8.0, Firefox 3.0.5 or later on Mac OS X
10.4 or later
Please review this letter regarding our Benefits Open Enrollment. Additional benefit information will be made available on the
Crittenton intranet under Departments/Human Resources.
Open Enrollment
Open Enrollment will begin with the Benefits Fair on Wednesday, November 13th in the Main Lobby of the North Wing Building
from 7:00 am to 5:00 pm. All Self-Service responses are to be completed on-line by Sunday, November 24, 2013.
Benefits team members will be outside the cafeteria on the following dates and times:
Thursday November 14, 2013
11:30am -1:30 pm
Friday November 15, 2013
11:30am -1:30 pm
Tuesday November 19, 2013
11:30 am-1:30 pm
Wednesday November 20, 2013
6:00 am-8:00 am
Friday November 22, 2013
11:30-1:30 pm
Saturday November 23, 2013
9:00-11:00
Benefits staff is available for off-site locations by arrangement.
Change of Health Plan
Due to a number of economic factors, CHMC is dropping 2 Health Plans (the 500 Plan and Blue Care Network HMO) and offering
the Crittenton Plan as the only Health Benefit Option effective 1/1/2014 with a new Network Provider which is Aetna. Plan design
changes to encourage more Crittenton facility usage by our employees will be implemented which are detailed in the following pages.
As well our Prescription Drug co-pay structure has been changed to encourage use of the Crittenton Medical Pharmacy and less
expensive generic medications.
These changes have been made increase domestic utilization of hospital services and reduce our overall cost of delivering health care
to our employees and maintain the Hospital in a competitive environment. Information about our new Network Provider will be
available during the Open Enrollment period and on the Crittenton intranet.
Employee Self Service
If you are enrolled in either the 500 Plan or the Blue Care Network plan for 2013, you will be defaulted into the Crittenton
Plan for 2014
If you are satisfied with your current coverage with the exception of dependent coverage for Dental and Vision F Riders or
2014 Flexible Spending Account- you do not need to re-enroll using Employee Self-Service. Your 2014 benefit elections will
remain the same as 2013.

If you should have any questions about this information, please call either Liz Janiga at 248-652-5117, David Lowell at 248-652-5118
or Howard Bosworth at 248-652-5429.
Sincerely
Crittenton Hospital Medical Center
Michael Jagels
Administrator Human Resources




EMPLOYEE BENEFIT CHANGES SUMMARY
1. Change in Health Plan Offerings
To maximize domestic utilization, CHMC is dropping the 500 Plan and the Blue Care Network HMO. Beginning January 1, 2014, the
Crittenton Plan will be the only Health Plan option available through the Aetna network. The following changes to the Crittenton Plan
for 2014 will be effective:
A. The Annual Single Person Tier 2 PPO deductible will increase by $2,150 from $850 to $3,000. B. The Annual Single Person Out of Network deductible will increase by $8,000 from $2,000 to $10,000. C. The Annual Single Person Tier 2 Coinsurance Maximum will increase by $4,350 from $2,000 to $6,350 D. The Annual Single Person Out of Network Coinsurance Maximum will increase by $17,000 from $3,000 to $20,000. E. The Annual Two Person/Family Tier 2 PPO deductible will increase by $4,900 from $1,100 to $6,000. F. The Annual Two Person Family Out of Network deductible will increase by $17,000 from $3,000 to $20,000. G. The Annual Two Person/Family Tier 2 Coinsurance Maximum will increase by $9,700 from $3,000 to $12,700. H. The Annual Two Person/Family Out of Network Coinsurance Maximum will increase by $34,000 from $6,000 to I. The Tier II Employee Coinsurance will increase 20% from 20% to 40%/ The Tier III Employee Coinsurance will increase 10% from 40% to 50%. J. The Tier 1 (Domestic) ER Co Pay will increase from by $100 from $50 to $150. The Tier 2 (PPO) and Out of Network ER Co Pay will increase from by $225 from $75 to $300. K. The Specialist office visit co-pay for Tier 1 will increase $10 from $15 to $25. The Specialist office visit co-pay for Tier II will increase $20 from $30 to $50.
2. Employee Contributions
The 2014 Full time employee contributions for the Crittenton Health Plan will remain the same as 2013. The 2014 Part time
employee contributions have been reduced by 50%.
3. Prescription Drug Benefit Update
To better control our Prescription Drug costs and encourage use of the Crittenton Medical Pharmacy the co-pay structure will change
as follows:
Note: A Generic drug is a prescription drug that has the same active ingredient formula as a brand name drug. You can save the most by requesting a generic equivalent of a formulary drug, whenever one is available. A Brand Formulary drug is part of a listing of preferred, clinically effective brand name drugs that have been reviewed and approved by a panel. These drugs are still more cost-effective than other brand name drugs. A Brand Non-Formulary drug is a brand name prescription drug that has an equally effective and less costly generic equivalent, or may have one or more brand formulary alternatives. The Copay for these medications will be on a %age basis with no dollar maximum. A Specialty drug is a medication that requires special handling, administration, or monitoring. These drugs are used to treat complex, chronic and often costly conditions including asthma, cancer, chronic kidney failure, Hepatitis C, HIV/AIDS, Infertility, multiple sclerosis, organ transplants, osteoporosis, Psoriasis and Rheumatoid arthritis. The Rx plan will also be following a “Choose Generics with Dispense as Written (DAW) “override - the member pays the applicable copay. If the physician requires brand, member would pay brand name copay. If the member requests brand-name when a generic is available, the member pays the applicable copay plus the difference between the generic price and the brand-name price. The following medications will no longer be available under the 2014 CHMC Formulary: Lifestyle Drugs (i.e. Medications used to treat Impotence such as but not limited to Viagra, Cialis, etc.) A complete Prescription Drug Formulary and Specialty Drugs listing will be posted on the CHMC Intranet under the HR/Benefits tab.
4. Spousal Surcharge Update
The cost of the Spousal Surcharge will increase by $19.23 from $38.46 per pay period to $57.69 per period. Under this program, if
your spouse has access to health care coverage with their employer and you elect CHMC coverage, a Spousal Surcharge will be added
to your bi-weekly premium cost.
5. Change in Life Insurance Coverage Amount (Non Union only)
Effective 1/1/2014, CHMC will offer Life Insurance coverage at $50,000. This is a change from the 1X Annual Salary as offered
previously. You may continue to purchase additional coverage at your expense by choosing the Voluntary Life Insurance coverage
option.

6. Flexible Spending Accounts
CHMC will continue to offer Health Care Spending Account (HCA) and Dependent Care Spending Accounts (DCA). Employees
must submit a new election on their 2014 Employee Self-Service screen to participate in either the HCA or DCA plans for the
2014 Plan Year as required by the IRS.
7. Defined Contribution Pension Plan change
CHMC will eliminate the 1% Non Elective contribution for the 2014 Plan Year for Non-Union and RN employeews. Beginning
1/1/2014, an After Tax Roth feature will be added to the Defined Contribution plan. Participants who meet the 1,000 hours worked
requirement and one year of service will be eligible for the 1% Non Elective contribution for the 2013 Plan Year. Please contact the
Mass Mutual Representatives for more information about this plan.
8. Bridge Disability for Short Term Disability
Employees may purchase Short Term Disability coverage beginning on the 14th day of absence at an additional expense. Please see
the HR Benefits staff for more information.
9. Summary Annual Reports are available free of charge
These documents, more commonly known as SAR’s are one-page summaries of the 2012 annual reports of benefit plan financial
information. Crittenton Hospital Medical Center (CHMC) files the annual reports with the Employee Benefits Security
Administration, U.S. Department of Labor, as required under the Employee Retirement Income Security Act of 1974 (ERISA).
Although these reports are being made available to all employees, it may be possible that you may not participate in one or more of
these plans. Each report is accessible in the following ways:
Via the CHMC intranet. Go to “Departments”, scroll to Human Resources” then click on “Summary Annual Report” Call Human Resources Benefits at either 248-652-5117 or 248-652-5118 or 248-652-5429 and request a copy. Indicate which reports you would like to receive. Write the CHMC Human Resources-Benefits Office 1101 West University Drive Rochester, Michigan 48307. Indicate which reports you would like to receive. Summary Plan Descriptions and Fee Disclosure reports for the CHMC 403(b) Plans are also available in the same way as noted in Number #9 above.

Source: http://ch-lawson-web.crittenton.net/lawson/CHMC_docs/Non_Union_Letter.pdf

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