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  • Open Enrollment Full Time Faculty and Administrative Staff

    The 2016 Open Enrollment period begins on Wednesday, 11/4/15 and ends on Wednesday, 11/18/15. During this period you have the opportunity to:

    • Make changes to your health care plan and dental care plan coverage
    • Enroll in a Health Care and/or Dependent Care Flexible Spending Account (FSA) for calendar year 2016
    • Enroll in or make changes to your Supplemental Life Insurance Plan coverage

    The elections you make during the Open Enrollment period will become effective on January 1, 2016. (New enrollments or increases to Supplemental Life Insurance Plan coverage will become effective on the date approved by the life insurance carrier.)

    To access The New School's online enrollment system, go to my.newschool.edu and log in with your regular user name and password, click on the "services" tab, and click the link in the Open Enrollment section.  Unfortunately we have discovered an issue with the Open Enrollment system this year which requires you to log into my.newschool.edu using either Chrome or Safari web browsers (not Internet Explorer or Firefox).  We have a support page with more details about the browser workaround.


    You cannot make Qualified Transportation Plan (QTE) or Tax-Deferred Annuity (TDA) Retirement Plan elections via the system (see the section below for information.)

  • What's Changing in 2016

    UnitedHealthcare (along with Optum Rx and UnitedHealthcare Vision), Delta Dental, EBPA and TIAA-CREF will continue to administer New School benefit plans in 2016.

    Contributions

    On January 1 the cost of the New School health care plan will increase by 3.4%, and since the university and enrolled employees share in the cost of the health care plan, both the employee and university costs will increase respectively by that amount. We encourage you to review the 2016 Contribution Chart for employee and university costs.  

    See the 2016 Health Care and Dental Care Contributions section below for 2016 employee and university premiums.

    Health Care Plan Changes

    The original healthcare renewal came in at a 7.7% increase and, as a result, the university and the benefits committee made the difficult decisions to make some plan design changes in order to reduce the increase from 7.7% to 3.4%.  

    Change 1

    We will no longer offer the Choice Plus 500 medical plan (current participants can choose to enroll in the Choice Plus 1000 , Choice EPO medical plans or the High Deductible Health Plan).  This plan is no longer cost effective for enrolled employees and the Choice Plus 1000 plan is actually identical.  It has the same network of providers, the same opportunity to utilize providers that are not in the network and the same services are covered in the same way, including pharmacy as the Choice Plus 500 plan.  In addition, the Affordable Care Act Cadillac Tax (a 40% excise tax on the cost of our most expensive health care plans) is expected to begin in 2018. The New School, like a lot of other organizations, is trying to avoid that tax burden and that means starting with the elimination of the Choice Plus 500 plan, our most expensive health care plan. 

    Change 2

    The addition of a $100 medical in-network deductible for individuals, $200 deductible for employees with dependents (no change to the High Deductible Health Plan deductibles).  A deductible is the amount that you pay out-of-pocket before a copayment or coverage through the plan applies.  Deductibles "reset" at the beginning of each plan year (January 1).  The $200 family deductible can be met by any combination of family members, however, no one individual can make up more than $100.

    Change 3

    The New School health care plans will cover transgender-related benefits such as gender reassignment surgery, hormone therapy and other medically necessary services

    Change 4

    Prescription drug copayments for a one-month (30 day) supply at the retail pharmacy will be:

    • $15 for tier 1 medications
    • $50 for tier 2 medications
    • $100 for tier 3 medications

    Change 5

    Prescription drug copayments for a three-month supply (90-day) that are filled through the Optum Rx Mail Order Delivery Program will be 2.5 times the retail copayment noted above (in Change 4)

    Health Savings Account (HSA) 

    The maximum allowable contribution into a health savings account in 2016 for members enrolled in employee-only coverage will remain the same at $3,350 and will increase to $6,750 for members enrolled in family coverage (spouse and/or children).

    Qualified Transportation Expense (QTE) and Tax-Deferred Annuity (TDA) Plan Changes

    There are changes to the Qualified Transportation Expense Plan. Please refer to this section below for changes/updates to these plans for 2016. There are no changes for 2016 to the Tax-Deferred Annuity Plan or other retirement savings plans.

    Enrollment Process: What You Need To Do

    You must take action via The New School's online enrollment system if you want to

    • Select a new health and/or dental plan option for 2016 or change a coverage tier (from single coverage to family coverage or vice versa)
    • Enroll in or terminate health and/or dental coverage beginning January 1, 2016
    • Participate in a Health Care and/or Dependent Care Flexible Spending Account (FSA) in 2016 (a 2015 election will not continue into 2016)
    • Elect or make a change to Supplemental Life Insurance Plan coverage

    To access The New School's online enrollment system 

    Unfortunately we have discovered an issue with the Open Enrollment system this year which requires you to log into my.newschool.edu using either Chrome or Safari web browsers (not Internet Explorer or Firefox).  We have a support page with more details about the browser workaround.

    1. Go to my.newschool.edu
    2. Log in using your regular user name and password
    3. Click on the "services" tab
    4. Click the link in the Open Enrollment section
    5. Once you have made your choices, then click the "Complete" button on the home screen. If you do not click the "Complete" button, your elections will not be submitted to Human Resources.
    Please Note

    You cannot make Qualified Transportation Plan (QTE) or Tax-Deferred Annuity (TDA) Retirement Plan elections via the system (see the last section below for information.)

    Additionally, to add or remove a dependent(s) effective January 1, 2016, you must complete and submit a Dependent Change Form (PDF) to Human Resources by November 18 (see form for details).

    You do not need to do anything if

    • You (and your currently enrolled dependents, if any) want the same UnitedHealthcare plan that you have in 2015 (with the exception of the Choice Plus 500 medical plan), and
    • You (and your currently enrolled dependents, if any) want the same dental plan that you have in 2015, and
    • You do not want to make a 2016 Health Care or Dependent Care FSA election, and
    • You do not want to change your Supplemental Life Insurance Plan election(s), if any

    Health Care and Dental Care Plans

    Health Care Plans

    Click on the links below for the Summary of Benefits and Coverage for each plan. Paper copies are also available by contacting Human Resources.

    Refer to the Plan Comparison Chart (PDF) to view how certain services are covered under each plan.

    Finding Participating (In-Network) Providers

    Enrollees in the UnitedHealthcare plans may obtain health care services from in-network providers. To find in-network providers go to www.myuhc.com, click on "find physician, laboratory or facility" under Links and Tools.

    • To find providers in the Choice Plus 1000 Plan and the High Deductible Health Plan select "UnitedHealthcare Choice Plus"
    • To find providers in the Choice EPO Plan, select "UnitedHealthcare Choice"

    Health Savings Account

    If your health care choice is the High Deductible Health Plan (HDHP), you may make pre-tax and/or post-tax contributions to a Health Savings Account (HSA). Additionally, the university will continue to make the following contributions to an HSA:

    • For single coverage: $750 annually, contributed in equal amounts over 26 pay checks
    • For family coverage: $1,500 annually, contributed in equal amounts over 26 pay checks

    The combined employee and employer maximum contributions will remain at $3,350 for single coverage but will increase to $6,750  for family coverage. The age 55+ catch-up annual maximum remains at $1,000. Contributions begin once The New School is notified that you have opened an HSA. The annual employer contribution amount will be prorated if your HSA is opened after January 1, 2016. Please contact the benefits staff at benefitshelp@newschool.edu or 212.229.5671 x4942 for more information or for HSA enrollment and election forms.

    Please Note

    If you are currently enrolled in the HDHP and have an HSA, your account will remain with Optum Health Bank in 2016.

    Prescription Drug Coverage

    • Copayments have changed for 2016 (refer to the "What's Changing" tab) and the copayment tier associated with a medication may have changed, as well. View the 2016 Advantage Prescription Drug List (PDL) to determine the cost of a medication.
    • Under the Optum Rx Progression Rx program, some prescriptions require that you try a "Step 1" medication before a "Step 2" medication will be covered. Refer to Progression Rx – Step Therapy Program (PDF) list to view the names of these medications and details about this plan feature.
    • The Specialty Pharmacy Program (PDF) must be used by members with rare or complex medical conditions who require specialty medications (described in flyer). If you have an existing (active) specialty medication prescription with Optum Rx it will remain on file and you will not need to obtain a new one.

    Vision Plan Coverage

    As a reminder, UnitedHealthcare enrollees will automatically be enrolled in the UnitedHealthcare Vision Plan at no additional cost. (You must be enrolled in the health care plan to receive vision plan benefits; there is no option to enroll separately.) The plan allows you to receive routine vision services either from participating (in-network) vision providers or from providers who do not participate in the UHC vision network (out-of-network). To search for in-network providers, go to www.myuhcvision.com and log in using your UnitedHealthcare member ID number. You should also print your vision care member ID card once you're logged in; you will present the card at the time you receive routine vision services.

    The Vision Care Plan covers an examination and new lenses (contact and glasses) every 12 months and new frames every 24 months. Review the Summary Plan Description (PDF) and Plan Summary (PDF) for coverage details. Call United Healthcare Vision at 800.638.3120 for additional information.

    Dental Plan Coverage

    There will be no benefit changes to the Delta Dental PPO Plus Premier Plan and the DeltaCare USA DHMO plans for 2016. For additional information please go to the dental care page of the New School's benefits website.

    2016 Health Plan and Dental Plan Contributions

    As stated above in the What's Changing in 2016 section, full-time faculty and staff contributions for health care will increase by 3.4% effective January 1, 2016 as a result of the renewal increase.  Dental care contributions will remain the same.  Refer to the 2016 Health Care and Dental Care Plan Contribution Chart (PDF) if you will be covering a spouse and/or child(ren).  

    If you will be covering yourself and a domestic partner, view the 2016 Domestic Partner Only Imputed Income Chart (PDF) to determine the taxation related to this coverage.  If you will be covering yourself, a domestic partner, and a child(ren), view the 2016 Domestic Partner and Child(ren) Imputed Income Chart (PDF) to determine the taxation related to this coverage

    Flexible Spending Account

    In late 2013, the IRS released new health care flexible spending account rules permitting employers to allow plan participants to rollover up to $500 of the unused FSA contribution from one year to the next, reducing the amount subject to "lose it" rules. The New School does allow this type of rollover.  Therefore, up to $500 of unused 2015 health care FSA funds (not dependent care FSA funds, per the IRS) can be used in calendar year 2016. Please consider this when making your 2016 election.

    Please note

    Despite this change, please keep in mind that your 2015 election will still not carryover into 2016. For example, if you elected a goal amount of $1,000 to be deducted (pre-tax) from your pay in 2015, the $1,000 election will not carryover into 2016. In order to set aside pre-tax FSA money from your pay in 2016, you will still be required to elect a goal amount for 2016 via the online enrollment system.

    The maximum amount that you can set aside from your pay into a Health Care FSA will remain $2,550.

     

    How to Enroll

    Unfortunately we have discovered an issue with the Open Enrollment system this year which requires you to log into my.newschool.edu using either Chrome or Safari web browsers (not Internet Explorer or Firefox).  We have a support page with more details about the browser workaround.  Go to my.newschool.edu and log in with your regular user name and password, then click on the "services" tab, and click the link in the Open Enrollment section.

    Go to "Start Open Enrollment" and then click on the group "Flex Spending" (in red). Choose your Flex Spending account (Dependent or Medical). In the "2016 Goal" field enter your annual calendar year election (minimum $100 for both plans; maximum of $2,550 for health FSA; maximum of $5,000 for dependent care FSA).  Then click "Submit Change" or "Add Choice".

    From there, click the "Open Enrollment Home" link at the bottom and then the "Complete" button on the home screen. If you do not click the "Complete" button, your elections will not be submitted to Human Resources.

    For information on Health Care and Dependent Care FSAs, go to the FSA page of the New School's benefits website.

    Life Insurance Plan

    The University provides you with Basic Term Life Insurance coverage and Accidental Death and Dismemberment coverage at no cost. Supplemental Life Insurance coverage is also available to you and your eligible dependents and is paid for by you through after-tax payroll deductions.

    Supplemental Life Insurance

    You can purchase supplemental life insurance for yourself at a group rate in a coverage amount equal to 1x, 2x, or 3x your base annual salary, up to a maximum coverage amount of $250,000. You can also purchase life insurance for your spouse or domestic partner at a group rate in the amount of $10,000 or $25,000 and/or dependent child(ren) up to age nineteen (age 23 if a full-time student) at an amount of $4,000 per child). For information and rates, go to the life insurance plan page of the New School's benefits website.

    Enroll in or make a change to your supplemental life insurance elections via the online enrollment system. If you elect or increase supplemental life insurance coverage you must complete a health questionnaire that is subject to approval by our carrier, The Standard, before coverage can become effective. A questionnaire will be emailed to you if coverage is elected or increased.

    Qualified Transportation Expense Plan and Tax Deferred Annuity

    If you are currently participating in these plans, your 2015 elections will continue into 2016. You may enroll or make changes at any time during the year by submitting a QTE Enrollment/Change Form (PDF) or a Salary Reduction Agreement Form (PDF) (elections cannot be made via the online open enrollment system). Enrollments/ changes become effective the first of the month following receipt of your form(s) unless another effective date is indicated. Return forms via: email to benefitshelp@newschool.edu, fax (212) 229-5884, or in person (Human Resources, 80 5th Avenue, 8th Floor.)

    Qualified Transportation Expense (QTE) Plan

    Transit change: Effective January 1, submissions to EBPA, our transit and parking carrier, for cash reimbursement of pre-tax transit expenses will require receipts and/or proof of payment for a valid transportation purchase. The IRS encourages the requirement for receipts for employers that allow "bona fide cash reimbursement arrangements" to eliminate the chance that employees could be getting reimbursed for "other" items being sold with their fare purchase. You can continue to swipe your EBPA debit card at valid merchants and machines.  There will be no change to the debit card process.  The monthly amount that you can contribute into your pre-tax transit account will remain the same at $130.

    Parking change: Effective January 1, the monthly amount that you can contribute into your pre-tax parking account will increase to $255.  Complete the QTE Enrollment/Change Form above if you would like to make a change.

    For additional plan details go to the QTE plan page.

    Tax-Deferred Annuity (TDA) Plan

    The University will continue to offer the TDA Plan with TIAA-CREF. There are no changes to the maximum amount that you can contribute annually to the TDA plan for 2016. The IRS allows you to contribute up to $18,000 each calendar year and an additional $6,000 towards Age 50+ Catch Up contributions. The compensation limit will remain $265,000. For additional plan details go to the retirement plans page.

    Required Notices

    As required by law, The New School must provide certain notices (PDF) to employees on an annual basis.