Benefit updates and reminders effective January 1, 2010
- Health Insurance
- Prescription Drug Coverage
- Dental Insurance
- Vision Insurance
- Employee Assistance Programs
- Basic and Optional Life Insurance
- Long-Term Disability Insurance
- Marquette will continue to offer the current four health plan options for 2010. A new provider network will be in place for both the PPO and EPO health plans- United Healthcare Choice Plus. The Choice Plus network is a broader network and provides Marquette medical plan participants greater access to health care providers.
- Employees undergoing a specified course of treatment have the right to continue receiving medical services from their physician or hospital even if the physician or hospital is not participating in the United Healthcare Choice Plus Network. This means you may be eligible for in-network medical care provided by physicians who are not in network after the change on January 1, 2010. Eligibility for these in-network benefit levels is only for a limited period of time, on an exception basis. If you thinkyou are eligible for the Transition of Care provision, please contact UMR at (800) 826-9781.
- Routine annual exams will now be covered at 100% (co-pay waived) at in network providers. Marquette encourages all health plan participants to schedule their routine physicals.
- PPO plan participants will now receive lab services covered at 100% if in network providers are utilized.
- Members in all Marquette health insurance plans will need to contact UMR Care Management for inpatient pre-certification and other pre-determined procedures. The new phone number is (800) 808-4424.
- UMR will continue as Marquette’s third party claims administrator; due to the new network and pre-certification phone numbers, all medical plan participants will receive new ID cards.
- As a result of the Mental Health Parity and Addiction Equity Act of 2008 mental health and substance abuse services will be subject to the same copays, deductibles or coinsurance as all other medical services and procedures. In addition, there is no longer a limit on visits, length of stay or dollar maximums.
- The current coinsurance percentage for the prescription drug plan’s generic tier is 80/20%. It is being changed to a 90/10% coinsurance share. That means employees will only pay 10% for generic prescriptions after the annual deductible is met. Ask your physician whether there is a generic available for your prescription.
- The Marquette dental plan’s annual coverage maximum will increase from $2,000 to $2,500 per person.
- The vision insurance will remain a stand-alone plan in 2010. This benefit is no longer associated with the health insurance and must be elected separately. Please note, there are no insurance cards. For more information about this benefit, including finding an in-network VSP provider click here.
- All Health Flexible Spending Account participants will receive a Debit Card. The Debit Card will allow you to pay for eligible items immediately out of your flex account. Please be sure to read all the information surrounding this benefit, as there are some exceptions. If you prefer to continue submission of paper receipts, members may do so.
- Inventory Information Approval System (IIAS) retailers have inventory systems that accept the FSA health debit card. To view a list of IIAS retailers, such as Walgreens, please follow this link.
- Other retailers still accept the debit card, but may request receipts to validate your purchase. To view a list of these 90% providers, click here.
- REMEMBER TO KEEP ALL RECEIPTS
- Don't know how to calculate your 2010 Flexible Spending Account election? Try our calculator!
Employee Assistance Programs (EAP)
- Aurora Behavioral Health will be Marquette’s sole Employee Assistance Program (EAP) provider. All Marquette employees may access the EAP without incurring deductibles or copays. EAP’s can provide work-life services, short-term counseling, referrals and resource identification.
Basic and Optional Life Insurance
- If you are enrolling in basic and/or optional life insurance for the first time and you have been employed for more than 30 days, you will need to go through medical underwriting. Your requested coverage will be approved or denied by MetLife. You will need to enroll using MyJob.
- If you are increasing your coverage level, you will also need to go through medical underwriting. For example, you are currently enrolled in Optional Life x1 and wish to elect Optional Life x2. Your requested coverage will be approved or denied by MetLife. You will need to enroll using MyJob.
Long-Term Disability Insurance
- If you are enrolling in long term disability for the first time and you have been employed for more than 30 days, you will need to go through medical underwriting. Your requested coverage will be approved or denied by Northwestern Mutual. You will need to enroll using MyJob.
