缅北强奸

• Benefits Bash: The kickoff event for the enrollment period includes the benefits team and providers available for questions in a fun and festive environment. Providers will have materials and giveaways and there will be prizes for attendees.
• Presentations: Various vendors will host presentations to provide education about their products. Some will be in person during our Benefits Bash and others will be online.
  
  • 2024 Open Enrollment Schedule
• Flu Shots: The Nursing Program in partnership with the University Health Center will provide flu shots.听
  • Monday, November 6, 2023
  • 1 p.m. - 3 p.m. - UC West -Carter Hall A-C
  • Bring a copy of your medical insurance card
• Additional meetings: the benefits team will make themselves available during the open enrollment period with the following times:听
  • November 7, 2023 4:30 p.m. - 11:30 p.m.
  • November 17, 2023 9:00 a.m. - 3:00 p.m.
  • Email benefits@usi.edu for individual meetings

The University is excited to announce no increases in medical premiums for the 2024 plan year while the national benchmark indicates that the average increase for medical premiums this year is roughly 7%!听

Additionally, over the last five years, the University has only increased employee premiums twice, 1.5% in 2021 and 2.5% in 2023, while the national benchmark average showed a 22% increase in premiums over the last five years.

In reviewing national benchmark data and with healthcare costs projected to continue to rise by another estimated 7% in 2024, the University has diligently researched ways to optimize medical plan designs to improve future cost control while maintaining or enhancing the level of medical care employees and their families receive. As a result, the University has opted to make a change in healthcare providers.听

Effective January 1, 2024, the University鈥檚 healthcare network will be UnitedHealthcare instead of Anthem. UnitedHealthcare has the largest proprietary provider network with over 1.2 million providers, over 5,400 hospitals, and 2,300 convenient care clinics. UMR and Surest will be the two third party administrators under UnitedHealthcare that will process claims and provide customer service for members. UMR and Surest provide exceptional customer service support.

• Network: Deaconess and St. Vincent will both continue to be in-network. Confirm if your current provider is in-network by going to听 going to听, click on 鈥渇ind a network鈥�, 鈥淢edical Directory鈥� 鈥淓mployer and Individual plans鈥� and then choose the听Choice Plus听network.
• Disruption: 听Overall, very minor disruption in service is expected, with the exception of chiropractors. If disruption does occur, the UnitedHealthcare plan will provide continuity of care for approved conditions at the in-network benefit level for up to 90 days. Employees who believe they will experience a disruption in service should reach out to the 缅北强奸 benefits team, after reviewing all Open Enrollment information.
• Pre-existing conditions will continue to be covered with no waiting period.
• Core PPO plan: Deductibles, co-pays, coinsurance, and maximum out鈥搊f-pocket maximums for Core PPO plan remain unchanged. After January 1, 2024, to view claims information members will go to .
• HSA PPO plan: The HSA plan will not experience any changes due to the move to UnitedHealthcare. Coinsurance and out-of-pocket maximums remain unchanged. Due to IRS requirements, deductibles will increase by $200 to $3,200 for individual coverage, and by $400 to $6,400 for family coverage. After January 1, 2024, to view claims information members will go to .
• Prescription Plan: The prescription plan will continue through CVS Caremark with no changes to benefits, except the regular formulary changes.

With the transition to the UnitedHealthcare network, in addition to the traditional PPO/Core and HSA plans, the University is offering a third medical plan option called Surest. Surest is a co-pay only plan with no deductible, and no coinsurance where prices can be seen in advance of seeking care. Co-pays will vary depending on the provider selected. The more efficient/effective care providers (aka 鈥渉igh-value provider鈥�), the lower the copay will be. Prices are available by searching the app or website to compare options with the national UnitedHealthcare provider network of doctors, hospitals, clinics, and virtual providers.听

To preview benefit co-pays for different services and see if your doctor is in-network go to and use code: Indiana2024. You will get an email to verify your email address and then you can search the site.

The Surest health plan provides:听听

• • No barriers to healthcare, zero deductible and no coinsurance.
  • Cost Clarity, members know the cost of services with clear upfront prices that members can easily understand via app, web, or phone.
  • Savings opportunities for members to pay less for higher value treatments and providers, with dynamic copays.
  • Dynamic copays 鈥� Surest uses data from UnitedHealthcare鈥檚 large network of providers to develop copays that save members money when they choose a provider (doctor or facility) with positive outcomes. This can mean less time in the hospital or fewer re-admissions.
  • After January 1, 2024, to view claims information members will go to . 听
  • Surest uses the same UnitedHealthcare Network.
  • The Surest plan鈥檚 prescription coverage will be through CVS Caremark.

Other Benefit Information:

• Dental: There are no changes to the dental plan design or provider. The Paramount Dental plan will have a modest increase of 3% in premiums. Paramount announced that they will now issue ID cards and use a member ID number for members instead of Social Security Number.
• Vision: There are no premium increases or plan design changes to the vision plan. Anthem Blue View Vision will continue to be the provider. A new card with only vision listed will be sent in January.听
• New EAP provider - TimelyCare is replacing GuidanceResources Employee Assistance Program (EAP) services. TimelyCare provides 24/7 access to mental health providers and six short term scheduled sessions per year.
• New FSA provider - Voya is replacing Nyhart as administrator of the Health and Dependent Care (childcare) Flexible Spending Accounts.
• IRS HSA limits for 2024: An individual can contribute $4,150 and a family can contribute up to $8,300 in 2024. This includes the University鈥檚 contribution that remains at $750 for individuals and $1,500 for family coverage.

• You must complete your open enrollment through the online benefits platform.
• When you complete your enrollment you will be entered into our drawing for awesome prizes!
• Enter or update your beneficiaries in the online benefits platform.
• Enroll in, drop or change coverage in the medical, dental or vision insurance plans, including adding or dropping dependents
• Enroll or re-enroll in the health care or dependent care flexible savings account (FSA)
  • Eligible employees听must enroll or decline these听plans annually
• Participants of the HSA plan:
  • Eligible employees must enroll or re-enroll in HSA annually
  • 缅北强奸 contributions will automatically听renew based on plan election
• Enroll in, drop, or change coverage in the additional life or short-term disability plans
• Enroll in, drop, or change coverage in the voluntary accident, hospital or critical illness plans
• Attend Presentations or Help Sessions! (schedule TBA)
• Enroll online by November 17, 2023!

1. Log into My缅北强奸 at
2. Click on the Benefitfocus Icon under Eagle Apps
3. Click "Click Here"
4. Click the 鈥淕et Started鈥� link to begin your enrollment.听

Need more information on Log-in? See the Log-in Guide

1. Access the Benefits Portal online by visiting
2. Once you have logged in and have clicked on the Click Here icon, select Document Center. You will be able to upload documents directly to your pending documentation requests by selecting Upload a Document.

1. Log into My缅北强奸 at
2. Click on the Benefitfocus Icon under Eagle Apps
3. Click "Click Here"
4. Click the 鈥淏别苍别蹿颈迟蝉鈥� link
5. Scroll down to your life coverage
6. Click "edit" on the beneficiaries line
7. Make changes, then click next
8. Check changes and click save

Deductibles - refer to the amount a member must pay before the plan starts paying.

Co-insurance - refer to the percentage a member pays until the out-of-pocket maximum is reached.

Co-pays - refer to the amount a person pays for a specific service, like office or urgent care visit.

Out-of-Pocket Maximum - refers to the maximum amount of eligible claims a member will be required to pay.听

Are you a visual learner? Click here for a different way to see the differences.听 听

Due to continued rise in healthcare costs, the University has diligently researched ways to optimize medical plan designs to improve future cost control while maintaining or enhancing the level of medical care employees and their families receive.

Yes.听

Employees will need to log into the Benefitfocus System and elect their new health insurance coverage as well as review their other coverages.

Be sure to choose all of the dependents you want to be covered. Print or save your benefit summary at the end of your enrollment.听听

To find out if your doctor is in-network for the UMR and Surest plans, go to , click on 鈥渇ind a network鈥�, 鈥淢edical Directory鈥� 鈥淓mployer and Individual plans鈥� and then choose the Choice Plus network.

UnitedHealthcare has the largest proprietary provider network with over 1.2 million providers, over 5,400 hospitals, and 2,300 convenient care clinics.听

The deductibles co-pays, coinsurance, and maximum out-of-pocket for the Core plan remain unchanged. Once in place in early January, to view claims information members will go to .

The HSA plan will not experience any changes due to the move to United Healthcare. Coinsurance, and out-of-pocket maximums remain unchanged. Due to IRS requirements, the deductible will increase by $200 to $3,200 for individual coverage and by $400 to $6,400 for family coverage. (These increases would have occurred regardless of provider change.) Once in place, to view claims information members will go to . 听

After January 2024, to view claims information members will go to for听the Core or HSA Plans or for the Surest plan.听听

After Open Enrollment, a file is sent to the providers and cards are sent out with the goal of arriving before 12/31/2023. Please be sure to fill any essential prescriptions prior to the end of the year to avoid any last-minute scramble. With a change like this one must remember we are relying on the mail to run on time and unforeseen issues can arise. 听

听

• Core and HSA Plans 鈥� The cards for the UMR Core and HSA Plans will have the UMR and UnitedHealthcare logos and include the CVS Caremark Prescription information.
• Surest Plan 鈥� The cards for the Surest plan will have the Surest and UnitedHealthcare logos and will not include the CVS Caremark information. Members will get a separate card for the Prescription coverage.

While little disruption is expected, during the 90-day transition period, the plan will provide continuity of care for approved conditions at the in-network benefit level. UnitedHealthcare can also reach out to the provider and invite them to join the UnitedHealthcare network. The last thing we want to do is cause any distress in this time of healing. 听

Pre-existing conditions will continue to be covered with no waiting period.听听

Anthem Blue View Vision will continue to be the provider for Vision. Members will receive a new card with Vision only listed.

The pharmacy benefit will remain with CVS Caremark. UMR will include CVS Caremark鈥檚 information on their card, like the current provider does. If you elect the Surest plan, you will receive a card from Surest and a card from CVS Caremark.听

The 2024 rates for the UMR Core and HSA Plans are the same as they were under Anthem in 2023. The Surest rates are extremely competitive, and all rates are listed in our Benefits Guide which is on the benefits website.听

Surest is an employer-sponsored health plan that gives members the tools to see cost and coverage information before the point of care. Members receive quality medical coverage with access to the broad, national UnitedHealthcare and Optum Behavioral Health networks.听

听

To preview benefit co-pays for different services and see if your doctor is in-network go to and use code: Indiana2024. You will get an email to verify your email address and then you can search the site. 听 听

Surest was designed to give members power over their health experience. There is no deductible, no coinsurance, and no cost-shifting. Instead, members search on the app or website, see what they'll owe in advance, compare options within the national UnitedHealthcare provider network, then decide. With this information, they can plan ahead and choose what works best.听

听

Learn about the Surest Plan:

To preview benefit co-pays for different services and see if your doctor is in-network go to and use code: Indiana2024. You will get an email to verify your email address and then you can search the site. 听 听

Log in to your account via the Surest app or website. Start a search by symptom or condition to find doctors or treatment options. Select a name/care option and location to see the price for a visit, as well as what鈥檚 included in the visit.听

To preview benefit co-pays for different services and see if your doctor is in-network go to and use code: Indiana2024. You will get an email to verify your email address and then you can search the site. 听 听

Once enrolled, a member will need to wait until after their effective date to register via website or application.听