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Dual Comp-Benefits Book 2022
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2022 BENEFITS SUMMARY
COLLEGE OF MEDICINE DUALLY COMPENSATED EMPLOYEES
University of Cincinnati Academic Health System
College of Medicine
Facilities: • UC Health Physician Offices • University of Cincinnati Medical Center • West Chester Hospital • Daniel Drake Center for Post- Acute Care • Lindner Center of HOPE
Employee Lease
UC College of Medicine Vision: To be indispensable through excellence in education, research, and patient care.
We are thrilled that you are exploring career opportunities at University of Cincinnati Physicians, Inc. (UC Physicians) and hope you will join us to become an integral team member in caring for the Cincinnati community and many others from across the country who seek our expertise. UC Physicians is the Cincinnati area’s largest physician group practice with nearly 950 physicians and 475 advanced practice providers. No other physician practice offers the wide range of specialty and subspecialty care that is available from the distinguished medical providers of UC Physicians. Serving as the faculty group practice of the University of Cincinnati College of Medicine, UC Physicians began in 1987 when the group practices at the College of Medicine started operating under a common administration. The practice has seen substantial growth each year, with nearly 2.5 million patient visits last year. UC Physicians carries out its discovery-driven clinical activities through UC Health, which includes the University of Cincinnati Medical Center, West Chester Hospital and the Daniel Drake Center for Post-Acute Care. We are not only care providers, however. As an academic medical center, our faculty also teach the next generation of medical professionals and conduct basic science and clinical research to develop the newest technologies and treatments. We have nearly 700 residents and fellows in 101 training programs who join with our attending physicians and advanced practice providers to deliver outstanding compassionate care. Additionally, there are more than 735 medical students from the College of Medicine. At UC Physicians, you will find collaborative and diverse colleagues and a supportive, inclusive environment that will help you achieve your career goals. We are passionate about what we do and dedicated to improving the health of our patients. Our work is often challenging, but always rewarding.
Andrew T. Filak Jr., MD President and Chair University of Cincinnati Physicians, Inc. Senior Vice President for Health Affairs and Christian R. Holmes Professor and Dean University of Cincinnati College of Medicine
Michael T. Archdeacon, MD, MSE Chief Executive Officer
University of Cincinnati Physicians, Inc. Senior Associate Dean for Clinical Affairs University of Cincinnati College of Medicine Peter J. Stern Professor and Chair Department of Orthopaedic Surgery
OVERVIEW
BENEFIT
RETIREMENT SAVINGS PLANS
MEDICAL INSURANCE
HEALTH SAVINGS ACCOUNT
FLEXIBLE SPENDING ACCOUNT
DENTAL INSURANCE
VISION INSURANCE
TUITION REMISSION
PAID TIME OFF:
• VACATION ACCRUAL • SICK ACCRUAL • PAID PARENTAL LEAVE • HOLIDAYS/WINTER SEASON DAYS
LONG TERM DISABILITY
SUPPLEMENTAL LONG TERM DISABILITY
LIFE INSURANCE
ACCIDENT & CRITICAL ILLNESS INSURANCE
EMPLOYEE WELLNESS PROGRAMS
FAMILY CARE ASSISTANCE
EMPLOYEE SERVICES & DISCOUNTS
THIS BROCHURE HIGHLIGHTS THE BENEFIT OPTIONS AVAILABLE TO DUALLY COMPENSATED EMPLOYEES OF THE UNIVERSITY OF CINCINNATI AND UNIVERSITY OF CINCINNATI PHYSICIANS AND IN NO WAY SERVES AS THE POLICY, SUMMARY PLAN DESCRIPTION OR PLAN DOCUMENT. IF ANY DISCREPANCIES OR CONFLICTS EXIST BETWEEN THIS BROCHURE AND THE POLICY OR PLAN DOCUMENTS, THE POLICY OR PLAN DOCUMENT SHALL GOVERN. WE RESERVE THE RIGHT TO AMEND, MODIFY OR TERMINATE ANY PROVISIONS, POLICIES OR BENEFIT PLANS IN WHOLE OR IN PART AT ANY TIME WITH OR WITHOUT NOTICE.
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BASE RETIREMENT SAVINGS EMPLOYER CONTRIBUTIONS UC AND UCP OFFER THE FOLLOWING RETIREMENT CONTRIBUTIONS IN LIEU OF CONTRIBUTING TO SOCIAL SECURITY. AS STATE OF OHIO PUBLIC EMPLOYEES, EMPLOYEES WILL NOT CONTRIBUTE TO SOCIAL SECURITY.
FACULTY OPTION 1: STRS: STATE TEACHERS RETIREMENT SYSTEM AVAILABLE TO FULL-TIME AND PART-TIME EMPLOYEES VESTING SCHEDULE APPLIES UC CONTRIBUTION: 9.53% - DEFINED CONTRIBUTION PLAN 14% - DEFINED BENEFIT PLAN 14% - COMBINED PLAN EMPLOYEE MANDATORY CONTRIBUTION – 14% OPTION 2: ARP: ALTERNATIVE RETIREMENT PLAN AVAILABLE TO FULL-TIME (100% FTE) EMPLOYEES DEFINED CONTRIBUTION PLAN IMMEDIATE VESTING UC CONTRIBUTES 9.53% OF EMPLOYEE’S ELIGIBLE PAY EMPLOYEE MANDATORY CONTRIBUTION – 14% STAFF OPTION 1: OPERS: OHIO PUBLIC EMPLOYEE RETIREMENT SYSTEM AVAILABLE TO FULL-TIME AND PART-TIME EMPLOYEES VESTING SCHEDULE APPLIES UC CONTRIBUTION: 11.5% - DEFINED CONTRIBUTION PLAN 14% - DEFINED BENEFIT PLAN EMPLOYEE MANDATORY CONTRIBUTION – 10% OPTION 2: ARP: ALTERNATIVE RETIREMENT PLAN AVAILABLE TO FULL-TIME (100% FTE) EMPLOYEES DEFINED CONTRIBUTION PLAN IMMEDIATE VESTING UC CONTRIBUTES 11.56% OF EMPLOYEE’S ELIGIBLE PAY EMPLOYEE MANDATORY CONTRIBUTION – 10%
ALL EMPLOYEES AVAILABLE TO FULL-TIME AND PART-TIME EMPLOYEES DEFINED CONTRIBUTION PLAN UCP CONTRIBUTION: 8.5% OF FIRST AS PART OF THE TOTAL COMPENSATION PACKAGE, UCP MAY CONTRIBUTE AN ADDITIONAL AMOUNT ANNUAL LIMIT OF $61,000 IMMEDIATE VESTING NO EMPLOYEE MANDATORY CONTRIBUTION $305,000 (IRS LIMIT) MAX $25,925 ANNUAL CONTRIBUTION
PLAN INFORMATION
STATE SYSTEM STRS OPERS
ARP AXA VOYA
PLAN ADMINISTRATORS
FIDELITY TIAA
FIDELITY TIAA
PLAN ELECTIONS ARE MADE BY SUBMITTING THE UC RETIREMENT PLAN ELECTION FORM VIA EMAIL TO [email protected] IF NO ELECTION IS MADE WITHIN 120 DAYS OF THE START OF EMPLOYMENT, EMPLOYEES WILL BE ENROLLED IN THE APPLICABLE STATE SYSTEM (STRS/OPERS) IF YOU ELECT THE ARP, VENDOR AND INVESTMENT CHOICES ARE MADE VIA THE UC NETBENEFITS PLATFORM www.netbenefits.com/universityofcincinnati o ACCESS TO THE ARP ACCOUNT IN NETBENEFITS IS AVAILABLE AFTER UC BENEFITS RECEIVES THE UC RETIREMENT PLAN ELECTION FORM AND SENDS A CONFIRMATION EMAIL TO THE EMPLOYEE
VENDOR AND INVESTMENT CHOICES CAN BE MADE ANYTIME VIA THE UCP NETBENEFITS PLATFORM www.netbenefits.com/ucp DEFAULT VENDOR IS FIDELITY NEW HIRES ARE ENTERED INTO NETBENEFITS 2X PER MONTH
NEXT STEPS
VOLUNTARY RETIREMENT SAVINGS EMPLOYEE VOLUNTARY CONTRIBUTIONS TO AVOID THE POSSIBILITY OF EXCEEDING ANNUAL IRS CONTRIBUTION LIMITS, IT IS RECOMMENDED THAT EMPLOYEES MAKE VOLUNTARY CONTRIBUTIONS THROUGH EITHER UC PAYROLL OR UCP PAYROLL (NOT BOTH).
ELIGIBILITY
ALL EMPLOYEES
ALL EMPLOYEES
EMPLOYEES MAY DIRECT ADDITIONAL RETIREMENT SAVINGS CONTRIBUTIONS TO: 403(B) PRE-TAX CONTRIBUTION 457(B) PRE-TAX CONTRIBUTION
EMPLOYEES MAY DIRECT ADDITIONAL RETIREMENT SAVINGS CONTRIBUTIONS TO:
403(B)
PLAN INFORMATION
• PRE-TAX CONTRIBUTION • ROTH POST-TAX CONTRIBUTION 457(B) PRE-TAX CONTRIBUTION MEGA-ROTH OPTIONS AVAILABLE
EMPLOYEE CONTRIBUTION PLAN ADMINISTRATORS
EMPLOYEE DIRECTED, UP TO ANNUAL IRS LIMIT OF $20,500 $6,500 CATCH UP CONTRIBUTION AVAILABLE FOR AGE 50 ANDOLDER
403(B): AXA, FIDELITY, TIAA, VOYA 457(B): OHIO DEFFERED COMPENSATION
FIDELITY TIAA
RETIREMENT PLAN ADMINISTRATORS
888 ‑ 227 ‑ 7877 800-222-7377
STRS
https://www.strsoh.org/
OPERS
https://www.opers.org/
FIDELITY INVESTMENTS
www.netbenefits.com/universityofcincinnati
800-343-0860
TIAA
https://www.tiaa.org/uc
800-842-2252
AXA EQUITABLE
https://equitable.com/
513-762-7750
800-451-4702 x4025462
VOYA FINANCIAL
https://www.voya.com
OHIO DEFERRED COMPENSATION FIDELITY INVESTMENTS
https://www.ohio457.org
877-644-6457
www.netbenefits.com/UCP
800-343-0860
TIAA
https://www.tiaa.org/UCP
800-842-2252
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MEDICAL INSURANCE
MEDICAL PLAN INFORMATION
65%+ FTE FACULTY 75%+ FTE STAFF
ELIGIBILITY
PLAN INFORMATION
PPO
HDHP
BLUE ACCESS PPO CARE NETWORK
IN NETWORK
OUT OF NETWORK
IN NETWORK
OUT OF NETWORK
$700 INDIVIDUAL $1,400 FAMILY $1,900 INDIVIDUAL $3,800 FAMILY
$1,400 INDIVIDUAL $2,800 FAMILY $3,800 INDIVIDUAL $7,600 FAMILY
$1,900 INDIVIDUAL $3,800 FAMILY $3,800 INDIVIDUAL $7,600 FAMILY
$3,800 PER PERSON $7,600 FAMILY $7,600 INDIVIDUAL $15,200 FAMILY
ANNUAL DEDUCTIBLE
ANNUAL OUT OF POCKET MAXIMUM
ANNUAL HEALTH SAVINGS ACCOUNT FUNDING (UC)
$325 – $825 EE $650 - $1,650 FAMILY
$325 – $825 EE $650 - $1,650 FAMILY
NOT APPLICABLE
NOT APPLICABLE
65% AFTER DEDUCTIBLE 65% AFTER DEDUCTIBLE
65% AFTER DEDUCTIBLE 65% AFTER DEDUCTIBLE
PREVENTIVE CARE**
COVERED 100%
COVERED 100%
80% AFTER DEDUCTIBLE
80% AFTER DEDUCTIBLE
COVERED SERVICES
PHARMACY
30% CO-INSURANCE
SOURCE SUPPLY QUANTITY
RETAIL ONE MONTH SUPPLY
MAIL ORDER THREE MONTH SUPPLY
80% AFTER DEDUCTIBLE
DRUG TYPE GENERIC FORMULARY NON-FORMULARY SPECIALTY
$60 MAXIMUM $110 MAXIMUM $150 MAXIMUM $250 MAXIMUM
$30 MAXIMUM $55 MAXIMUM $75 MAXIMUM $250 MAXIMUM
EMPLOYEE CONTRIBUTION
RATES VARY BASED ON PLAN SELECTION AND TOTAL ANNUAL BASE PAY (UC + UCP)
ANTHEM
PLAN ADMINISTRATOR
FOR MORE INFORMATION: www.anthem.com
** AS RECOMMENDED BY THE AMERICAN MEDICAL ASSOCIATION
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MEDICAL PLAN PREMIUMS
2022 BENEFIT PLAN CONTRIBUTIONS (NON-AAUP)
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HEALTH AND DEPENDENT CARE SAVINGS/SPENDING PLANS HEALTH SAVINGS ACCOUNT (HSA)
*ELIGIBLE ONLY WHEN ENROLLED IN HDHP MEDICAL PLAN
ELIGIBILITY*
65%+ FTE FACULTY 75%+ FTE STAFF
EMPLOYEES MAY CONTRIBUTE PRE-TAX DOLLARS TO PAY ELIGIBLE HEALTH CARE EXPENSES THAT ARE NOT COVERED BY MEDICAL, DENTAL OR VISION PLANS HSA BALANCE CARRIES OVER YEAR TO YEAR UC CONTRIBUTION IS BASED ON TOTAL ANNUAL BASE PAY (UC + UCP) MAXIMUM ANNUAL COMBINED EMPLOYER AND EMPLOYEE CONTRIBUTION: $3,650 INDIVIDUAL $7,300 FAMILY $1,000 OVER AGE 55 CATCH UP CONTRIBUTION
PLAN INFORMATION
EMPLOYEE CONTRIBUTION
HEALTH EQUITY BANK– SAVINGS ACCOUNT AND DEBIT CARD
PLAN ADMINISTRATOR
FOR MORE INFORMATION: https://learn2.healthequity.com/anthembcbs-hsa/hsa/
FLEXIBLE SPENDING ACCOUNTS (FSA): HEALTH CARE & DEPENDENT CARE
* ELIGIBLE FOR HEALTH CARE FSA ONLY WHEN ENROLLED IN PPO MEDICAL PLAN OR IF MEDICAL COVERAGE IS WAIVED.
ELIGIBILITY*
65%+ FTE FACULTY 75%+ FTE STAFF
EMPLOYEES MAY CONTRIBUTE PRE-TAX DOLLARS TO PAY ELIGIBLE DEPENDENT DAY CARE EXPENSES AND/OR HEALTH CARE EXPENSES THAT ARE NOT COVERED BY MEDICAL, DENTAL OR VISION PLANS ANNUAL CONTRIBUTION MUST BE APPLIED TO EXPENSES INCURRED IN SAME PLAN YEAR UNUSED BALANCES MAY BE CLAIMED UNTIL 02/28 OF THE FOLLOWING PLAN YEAR, AFTER WHICH THEY ARE FORFEITED DEPENDENT CARE: EMPLOYEES MAY CONTRIBUTE UP TO $5,000 PER CALENDAR YEAR HEALTH CARE: EMPLOYEES MAY CONTRIBUTE UP TO $2,400 PER CALENDAR YEAR
PLAN INFORMATION
EMPLOYEE CONTRIBUTION
CHARD SNYDER
PLAN ADMINISTRATOR
FOR MORE INFORMATION : www.chard-snyder.com
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DENTAL INSURANCE DENTAL PLAN INFORMATION
65%+ FTE FACULTY 75%+ FTE STAFF
ELIGIBILITY
PLAN INFORMATION
BASIC
COMPREHENSIVE
COMPREHENSIVE w/ ORTHO
$50 PER PERSON $150 FAMILY
$50 PER PERSON $150 FAMILY
$50 PER PERSON $150 PER FAMILY
ANNUAL DEDUCTIBLE
DOES NOT APPLY TO DIAGNOSTIC OR PREVENTIVE SERVICES
DOES NOT APPLY TO DIAGNOSTIC, PREVENTIVE, OR ORTHO SERVICES $2,000 PER PERSON, EXCLUDING ORTHODONTIC SERVICES
$1500 PER PERSON, EXCLUDING ORTHODONTIC SERVICES
ANNUAL MAXIMUM BENEFIT
$500 PER PERSON
PREVENTIVE CARE
80% AFTER DEDUCTIBLE
100% NO DEDUCTIBLE
100% NO DEDUCTIBLE
BASIC RESTORATIVE SERVICES
80% AFTER DEDUCTIBLE
80% AFTER DEDUCTIBLE
80% AFTER DEDUCTIBLE
MAJOR SERVICES
60% AFTER DEDUCTIBLE
80% AFTER DEDUCTIBLE
80% AFTER DEDUCTIBLE
60%* *LIFETIME MAX $2,000 PER ELIGIBLE DEPENDENT UP TO AGE 19
ORTHODONTIC SERVICES
NOT COVERED
NOT COVERED
EMPLOYEE CONTRIBUTION
NO COST NO COST NO COST NO COST
$12.29 $23.75 $24.25 $37.07
$15.95 $30.77 $41.76 $61.43
EMPLOYEE (EE) ONLY EE + CHILD(REN) EE + SPOUSE/DOMESTIC PARTNER FAMILY
DELTA DENTAL
PLAN ADMINISTRATOR
FOR MORE INFORMATION: www.deltadentaloh.com
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VISION INSURANCE
VISION PLAN INFORMATION
65%+ FTE FACULTY 75%+ FTE STAFF
ELIGIBILITY
PLAN INFORMATION
VISION CARE SERVICES
OUT OF NETWORK REIMBURSEMENT
IN NETWORK MEMBER COST
$25 COPAY $150 FRAME ALLOWANCE 20% OFF BALANCE OVER ALLOWANCE $80 WALMART®/SAM’S CLUB®/COSTCO® FRAME ALLOWANCE
FRAMES (EVERY OTHER CALENDAR YEAR)
UP TO $70
SINGLE VISION BIFOCAL TRIFOCAL IMPACT-RESISTANT LENSES FOR DEPENDENT CHILDREN CONTACT LENSES (IN LIEU OF GLASSES)
UP TO $30 UP TO $50 UP TO $65 UP TO $50
INCLUDED IN RX GLASSES CO-PAY
$60 COPAY $130 CONTACT ALLOWANCE
UP TO $105
EYE EXAM
EYE EXAMS ARE COVERED UNDER MEDICAL INSURANCE
$3.73 EMPLOYEE ONLY $7.97 EMPLOYEE + CHILD(REN) $7.45 EMPLOYEE + SPOUSE $12.75 EMPLOYEE +FAMILY
EMPLOYEE CONTRIBUTION
VSP
PLAN ADMINISTRATOR
FOR MORE INFORMATION: https://www.vsp.com/
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TUITION REMISSION
TUITION REMISSION PLAN INFORMATION
FULL TIME EMPLOYEE: 65%+ FTE FACULTY AND 75%+ FTE STAFF FULL TIME BENEFITS-ELIGIBLE EMPLOYEES MAY ENROLL IN AN UNLIMITED NUMBER OF CREDIT HOURS PER SEMESTER DEPENDENTS OF FULL-TIME EMPLOYEES MAY ENROLL IN: UNDERGRADUATE CREDIT HOURS - UNLIMITED PER DEPENDENT • ELIGIBLE DEPENDENTS INCLUDE: o LEGAL SPOUSE o SAME OR OPPOSITE SEX DOMESTIC PARTNER o UNMARRIED CHILD (BIOLOGICAL, STEP, ADOPTED, OR GUARDIAN) GRADUATE CREDIT HOURS • TUITION REMISSION BENEFITS ARE NOT AVAILABLE FOR THE COLLEGE OF MEDICINE GRADUATE PROGRAMS OF MD AND MS IN PHYSIOLOGY. PART TIME EMPLOYEE: < 65% FTE FACULTY AND Page 1 Page 2-3 Page 4 Page 5 Page 6 Page 7 Page 8 Page 9 Page 10 Page 11 Page 12 Page 13 Page 14 Page 15 Page 16 Page 17 Page 18 Page 19 Page 20 Page 21 Page 22 Page 23 Page 24 Page 25 Page 26
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