2016 Employee Benefit Booklet
2016 Open Enrollment
It is that time of year again to review Campbell University’s employee benefit plans. Carefully review the
details for each plan and make your elections for the coming plan year accordingly.
Medical
 Cigna Open Access Plus Plan
 Cigna Open Access Plus High Deductible Health Plan—New HSA Contribution offered from Campbell
University!
The following benefit plans will also be offered:






Dental Insurance
Voluntary Life Insurance
Short Term Disability
Flexible Spending Account
Group Accident
Group Critical Illness
Enrollment Meetings Dates
Campbell University Law School—Auditorium / Law Room 105
Monday, November 9, 2015
1:30 PM — 3:00 PM
Campbell University Main Campus—Trustee Room
Tuesday, November 10, 2015
9:30 AM — 11:00 AM
1:30 PM — 3:00 PM
Open Enrollment Webinar
Wednesday, November 11, 2015
Inside this booklet you will find a brief description of all benefit plans provided to Campbell University
employees effective January 1, 2016.
When to call HR
Please notify your HR Department in the following situations:

If your home address and/or phone number change.

If your marital status changes.

If you have claim questions you cannot resolve.

If your spouse has a work status change and needs to be added on our plan.

If you are disabled or need an extended absence from work due to health reasons (this
includes you and /or immediate family members).
Deborah H Ennis
(910) 893-1255
[email protected]
or
Amy Emory
(910) 893-1699
[email protected]
or
Rebecca Schlichter
(910) 893-1256
[email protected]
Human Resources
Campbell University
PO Box 595
Buies Creek, NC 27506
(910) 814-4737 Fax
Frequently Asked Questions
When am I eligible?
All full-time employees are eligible to begin medical benefits on the first day of the first month
following the hire date, unless the hire date is the first day of the month. All other benefits begin after
a 60 day waiting period.
Can I enroll later if I don’t take all coverage now?
You cannot make changes in coverage prior to January 1st each year unless you have a qualifying
event.
Are there penalties if I enroll my dependents later?
Yes. Section 125 guidelines govern entrance and exit options into and out of a flex plan. Premiums for
changes may not be pre-taxable based on these rules.
If my employment terminates what coverage can I continue?
COBRA regulations will allow you to continue coverage for medical and dental for you and your
dependents. You will be notified of your options to continue your coverage during your exit interview.
The voluntary products are portable based on the contract regulations. Please see your certificate
booklet for detailed information.
This is only intended to be a summary of benefit options. See Vendor Insurance Booklets for exact coverage/exclusions.
This does not constitute coverage.
Wellness
The Campbell University Health Center. Not just for runny noses! Come to the Health Center
for all your primary care needs and orthopedic needs. Our staff physicians and nurses are
here to help you with current health issues and preventive care to help you stay in good
health! Need to get a prescription filled? The Health Center can fill your generic and brand
prescriptions and save you money on your prescription costs.
Smoking Cessation. Campbell University will be offering a free tobacco smoking cessation program at the Health Center in 2016. The medical premiums will include a non-smoking credit of
$35 per month to all enrolled employees. Subscribers will be asked to either sign up for the
free Health Center program prior to 2/19/16 or sign an attestation stating they are nontobacco users. Non-compliance will result in the loss of the non-smoker credit as of 3/1/16.
Diabetic Program. For years, Campbell University has offered assistance in the form of education and pharmacy assistance. This program has been continued for 2016 and offers a free
cellular enabled Accu-Check glucometer. All you need to do is sign up!
Wellness Credits. To keep premiums at the Wellness Rate, you must take the following steps
each year:
Step One: Obtain a Biometric Screen
A biometric screening will give you key factors regarding your health, such as bloodglucose level, cholesterol levels and blood pressure. If left unchecked, these factors
can contribute to future health problems. During the month of November through
February, we will be holding biometric events on each campus. Obtain your screening
results and move on to step two.
Step Two: Complete your Health Risk Assessment
A Health Risk Assessment is a questionnaire regarding your overall health. Go to
mycigna.com to complete your Health Risk Assessment. Use your biometric
results when filling in this survey.
No personal information will be provided to Campbell University, however generalized data will be viewed
in order to tailor future wellness programs. By voluntarily participating in these events you will be able to enjoy
the “wellness participation” rates for the entire plan year of 2016. If you decided not to participate, you will
begin paying the “non-wellness participation” rate on March 1, 2016.
This is only intended to be a summary of benefit options. See Vendor Insurance Booklets for exact coverage/exclusions.
This does not constitute coverage.
Cigna Open Access Plus PPO
In-Network
Out-of-Network
Deductible
Individual
Family
$1,000
$2,000
$2,000
$4,000
Coinsurance Max
Individual
Family
$2,000
$4,000
$4,000
$8,000
In Patient Hospital
Deductible, then 30%
$500 copay, then 50% after deductible
Out Patient Hospital
Deductible, then 30%
50% after deductible
Urgent Care
Deductible, then 30%
30% after deductible
Emergency Room
Deductible, then 30%
30% after deductible
Primary Care Physician
$30 co-pay
($5 copay at Campbell Health
Center
50% after deductible
Specialist Visit
$70 co-pay
($5 copay at Campbell Health
Center
50% after deductible
100% covered,
no deductible
50% after deductible
$20 exam copay
$125 lens and frame allowance
50% after deductible
Preventive Care
Vision
Prescription Drugs
Generic
Preferred Brand
Brand
Specialty
$10 co-pay
$30 co-pay
$45 co-pay
25% up to $100
You Pay: 50%
Plan Pays: 50%
*Does not include Home Delivery
**Rx copayments count towards out-of-pocket
Tier
Wellness &
Non-Smoker
Wellness &
Smoker
Non-Wellness &
Non-Smoker
Non-Wellness &
Smoker
Open Access Plan PPO
Employee Only
$80
$115
$115
$150
Employee + 1
$425
$460
$460
$495
Employee + Family
$782
$817
$817
$852
This is only intended to be a summary of benefit options. See Vendor Insurance Booklets for exact coverage/exclusions.
This does not constitute coverage.
Open Access HDHP
In-Network
Out-of-Network
Deductible
Individual
Family
$2,000
$4,000
$4,000
$8,000
Coinsurance Max
Individual
Family
-
$5,250
$10,500
In Patient Hospital
Deductible applies
Deductible, then 30%
Out Patient Hospital
Deductible applies
Deductible, then 30%
Urgent Care
Deductible applies
Deductible applies
Emergency Room
Deductible applies
Deductible applies
Primary Care Physician
Deductible applies
Deductible, then 30%
Specialist Visit
Deductible applies
Deductible, then 30%
100% covered,
no deductible
Deductible, then 30%
$20 exam copay
$125 lens and frame allowance
Deductible, then 30%
Preventive Care
Vision
Prescription Drugs
Generic
Preferred Brand
Brand
Specialty
Deductible applies
Deductible applies
Deductible applies
Deductible applies
You Pay: 30%
Plan Pays: 70%
*Does not include Home
Delivery
*The Campbell Health Center will offer employees substantial discounts from the regular billed charges
for medical and pharmacy
Campbell HSA Contribution—New for 2016!
Campbell University will begin making contributions to your HSA in 2016. Campbell University will provide $200
annually for employee-only coverage and $400 annually for dependent tiers.
Maximum HSA Contributions
Individual:
$3,350
Family:
$6,750
Catch-up Contribution Maximum:
Age 55 +:
an additional $1,000
Tier
Wellness &
Non-Smoker
Wellness &
Smoker
Non-Wellness &
Non-Smoker
Non-Wellness &
Smoker
Open Access HDHP with HSA
Employee Only
$69
$104
$104
$139
Employee + 1
$350
$385
$385
$420
Employee + Family
$675
$710
$710
$745
This is only intended to be a summary of benefit options. See Vendor Insurance Booklets for exact coverage/exclusions.
This does not constitute coverage.
Home Delivery Pharmacy
& Step Therapy
Cigna Specialty Pharmacy
Rx Inventory



Fully dedicated specialty pharmacy
Full inventory of Specialty drugs
Numerous contracts for limited distribution Specialty Rxs

24/7 access to condition-specific teams of expert Nurses,
Pharmacists, and Technicians to oversee care
Direct connection to Prior Authorization Team
Specialty Expertise



Limited fill programs to avoid waste
Referral to TherCare therapy management team for all new Rx’s
10% increase in Preferred Brand use
20% Higher adherence rate than Retail


Delivery right to your door or preferred location
Free ancillary supplies (swabs, etc.)

Standard setup allows member from 1 to 3 fills at Retail before transferring
their Specialty drug to the Cigna Home Delivery Specialty Pharmacy
Every impacted member will be called to assist in the transition to the
Cigna Specialty Home Delivery Pharmacy
Clinical Management & 
Improved Outcomes

Convenience
Implementation

Step Therapy:
One-step process: For all classes, a
generic or a preferred brand have to be tried before the nonpreferred brand is approved. Either can be tried first in any order
and only one needs to be tried.
Members have 60 days to transition to an alternative drug (2 30 day refills). On the third refill if no transition has occurred, a “Pay and Educate”
approach is used the One-step process: For all classes, a generic or
preferred brand have to be tried before the non-preferred brand is approved. Either it can be tried first in any order, and only one needs to be
tried. Transition the member over prior to the fourth refill.
Dental
Services
Deductible
Core Plan
Buy Up Plan
$50 Deductible per covered member (maximum of 3 per family unit)
$50 Deductible per covered member (maximum of 3 per family
unit)
(Preventative Services do not apply)
(Preventative Services do not apply)
$1,000 per covered member
$1,000 per covered member
$1,000 Lifetime Maximum for Orthodontia
Preventive
Services
100%
Exams, cleanings, fluoride, space
maintainers, emergency palliative
treatment, sealants, bite-wing xrays, full mouth x-rays
100%
Exams, cleanings, fluoride, space
maintainers, emergency palliative
treatment, sealants, bite-wing xrays, full mouth x-rays
Basic
Services
80%
Minor restorative services, endodontic, periodontic, oral surgery,
relines and repairs dentures
80%
Minor restorative services, endodontic, periodontics, oral surgery,
relines and repairs dentures
Major
Services
No Coverage
50%
Major restorative services
(crowns), prosthodontic services
No Coverage
50%
Appliances and related services for
children up to age 19 ; Maximum
$1,000 per lifetime
Calendar Year
Maximum
Orthodontics
Premiums:
Single
Employee/Spouse
Employee/Children
Family
CORE:
$28.99
$57.74
$74.47
$114.37
BUY UP:
$34.50
$69.58
$86.48
$134.10
This is only intended to be a summary of benefit options. See Vendor Insurance Booklets for exact coverage/exclusions.
This does not constitute coverage.
Life Insurance
100% Employer Paid Group Term Life and AD&D
Employee Life Benefit
1 times Annual Salary to $50,000
Spouse Life Benefit
$2,000
Child Life Benefit
Birth to 6 months
6 months to age 19 or 24 if fulltime
student
$500
$2,000
Voluntary Group Term Life and AD&D
Employee Life Benefit
Increments of $10,000 to a maximum of $500,000
Guarantee Issue: $150,000
Spouse Life Benefit
Increments of $5,000 to a maximum of $250,000
Guarantee Issue: $25,000
Child Life Benefit
Birth to age 19 or 24 if full time
student
$2,000 increments to a maximum of $10,000
Guarantee Issue: $10,000
*Spouse and Child Life must be purchased with Employee Life
Age Reduction Schedule: 65% at age 70; 50% of original amount at age 75
Evidence of Insurability will be required for new enrollees and anyone increasing their coverage amount.
This is only intended to be a summary of benefit options. See Vendor Insurance Booklets for exact coverage/exclusions.
This does not constitute coverage.
Disability
Employer Paid Long Term Disability
Benefits Begin
After 180 day waiting period
To age 65 or Social Security Normal Retirement
Age
Benefits Payable
Percentage of Income Replaced
60%
Maximum Benefit
$2,000 per month
Cost of Living Adjustment
3%
Voluntary Short Term Disability
Eligibility
Elimination Periods
Benefit Amount
Definition of
Disability
Active full time employees
1) 1st day accident / 8th day illness
2) 15th day accident / 15th day illness
3) 31st day accident / 31st day illness
Increments of $50 in weekly disability income; $1,500 weekly maximum benefit
During disability, you will be considered Totally Disabled if, as a result
of a sickness or off the job injury, you are unable to perform the
material duties of your regular job
Benefit Duration
Six Month Benefit Period
Guarantee Issue
All employees are eligible for guarantee issued coverage at
2015 open enrollment.
**The new voluntary STD plan allows you to choose the benefit that is right for you. You choose the percent of
salary you would like to replace, the duration of the benefit, as well as the elimination period before your benefit
starts.
This is only intended to be a summary of benefit options. See Vendor Insurance Booklets for exact coverage/exclusions.
This does not constitute coverage.
AFLAC
Group Accident
24—hour coverage
No limit on the number of claims
$125 benefit for initial treatment of accident
$1,000 hospital admission—$200 daily confinement benefit
$100—$10,000 specific injuries benefit
Up to $6,750 for fractures or dislocations
$60 Wellness Benefit paid annually for having a routine physical
Group Critical Illness
Lump Sum benefit of $5,000 / $10,000 / $20,000 paid on
diagnosis of covered illness
Additional occurrence and re-occurrence benefits
Additional heart rider covers surgeries and invasive heart
procedures
Spouse coverage is available and children are covered at no
additional cost
$100 Wellness Benefit paid annually to employee & spouse for having a Health Screening
This is only intended to be a summary of benefit options. See Vendor Insurance Booklets for exact coverage/exclusions.
This does not constitute coverage.
Flexible Spending Account
Health Care Flexible Spending Account
You may elect to have a specific number of dollars deducted from your gross pay before taxes and put
in a reimbursement account. You may use these monies within the year for reimbursement on things
such as: co-pays, deductible / coinsurance expenses, physicals, hearing aids, dental care, braces,
contact lenses, and more. (**Note—effective January 1, 2011, Over the Counter Medications are no
longer eligible through the Flexible Spending Account. An updated list is available in your packet.) You
can set pre-tax dollars aside between $100 and $2,550 annually.
Dependent Care Flexible Spending Account
You may elect to have a specific number of dollars deducted from your gross pay before taxes each
period for daycare expenses. These dollars are then contributed to a reimbursement account. The
money is deducted from your check before taxes are applied. This saves you “taxation” on this amount
that can later be reimbursed to you for dependent care. You can set aside pre-tax dollars between
$500 and $5,000 annually.
Changes to your Flexible Spending Account plan are governed by Section 125 rules. No change can be
made unless there is a qualifying event.
Retirement
Campbell University Retirement Plans:
You contribute 5% and Campbell University matches 8%
Defined Contribution and Tax-Deferred Annuity Plan
TIAA-CREF | Financial Services
Main Phone number 1-800-842-2252
TIAA-CREF Individual and Institutional Services, LLC, Member FINRA and SIPC
Millennium Advisory Services, Inc.
1-877-435-2489
www.mas-edu.com
This is only intended to be a summary of benefit options. See Vendor Insurance
Booklets for exact coverage/exclusions.
This does not constitute coverage.
Contact Information
Medical claims/coverage
mycigna.com
800-244-6224
Flexible Spending Account
Health Savings Account
www.shdr.com
800-768-4873
800-768-4873
Dental claims/coverage
800-662-8856
Life with AD&D
Short Term Disability
Long Term Disability
800-833-1207
Customer Service Center at 1-800-433-3036
www.aflacgroupinsurance.com
Marsh & McLennan Agency
Gaye Price—Samantha Annab
919-719-4757 - 919-719-6350
TIAA-CREF | Financial Services
Main Phone number 1-800-842-2252
Main Phone: 1-877-435-2489
www.mas-edu.com
Main Phone: 1-888-984-8433
www.absbc.org
Always have your policy number and Social Security Number available when calling your insurance company.
Notes
This overview of benefits is only intended to offer an outline of options.
All details and contract obligations of plans are stated in the actual certificate booklets. Contact your Human
Resources Department for further information and contractual obligations.