JHU Medical Benefits for 2014

Heidi ConwayHeidi Conway, senior director of benefits at The Johns Hopkins University, provides an update on the 2014 benefits plan for school of medicine and other university faculty and staff. Annual enrollment will take place Oct. 22 through Nov. 12. Town hall sessions and a benefits fair are being scheduled, so watch for details on these activities, rates and enrollment information when they become available at benefits.jhu.edu.

What changes will university faculty and staff see in the 2014 benefits program?

  • As announced last year (as an outcome of the Benefits Advisory Committee’s work), JHU is moving toward an employee cost-sharing of 25 percent for family coverage. Employee contributions for medical coverage will continue to increase.
  • We will continue to price our plans based on the six salary bands. Those who are paid less will continue to have lower premiums.
  • Other medical and pharmacy plan features (e.g., deductibles, co-insurance and out-of-pocket maximums, etc.) will have one small change: Consistent with health care reform requirements, the deductible amount will be included in the out-of-pocket maximum. Our benchmarking has shown that these amounts continue to be in line with what’s offered at JHU’s peer organizations.

Will we gain any new benefits?
Yes! We’re adding a new voluntary legal services benefit, and relaunching critical illness coverage, so give them some consideration when you enroll.

When is Annual Enrollment?
Annual Enrollment will take place Oct. 22 through Nov. 12. It’s the time to evaluate and decide on the right coverage for you and your family. Rates will be available by early October, with town hall sessions and benefits fairs beginning Oct. 1. Even if you’re not planning to make any changes, be sure to learn how the 2014 changes may impact you.

How does health care reform affect benefits?
We anticipate health care reform will have limited impact on the university’s health plans for 2014, but with the delay of the law’s employer mandate, the university is in the process of reviewing and understanding the impact.

What does the health care exchange mean for JHU employees?
You should know that the health care exchange takes effect Jan. 1, 2014. Beginning Oct. 1, you can evaluate the health plans offered to the public through the government-run health insurance exchange, but if you are a full-time employee, the university’s coverage will likely be your most cost-effective choice. According to the law, any employee who does not have health care coverage must pay a penalty, which will be levied through the Internal Revenue Service.

Where can I find more information about benefits and wellness?
Stay tuned. We’ll be posting information at benefits.jhu.edu.

What about benefits for Johns Hopkins Health System employees?
The JHHS Benefits Office has posted important information at ehp.org/benefitsupdate. Information about the benefits programs for employees of Howard County General Hospital, Sibley Memorial Hospital and Suburban Hospital will be available to them in the upcoming weeks.

Hopkins Happenings note: To ask a question or make a comment, please click on the button below. Please do not ask about personal situations or include personal health information or your medical history in your question or comment; these questions can be sent directly to benefits@jhu.edu for an individual reply. Throughout the day, review the comments to see responses from Heidi Conway and the JHU benefits team.

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10 Comments

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Comments

Randall October 2, 2013 at 4:16 pm

Will we learn the rates at the Benefits Fair? I've known the rates for my spouse, a federal employee for almost a month and their open enrollment doesn't start until Hopkin is nearly finished. It is hard to really investigate the optimum choices when basis information is so late in arriving

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jaime September 26, 2013 at 2:36 am

Does Blue cross cover massage therapy? Will Sibley employees have the same benefits as hopkins main hospital employees?

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Karen September 6, 2013 at 3:53 am

I want to change from Blue Cross/Shield to EHP...but will be out of the country between Oct 15 - Nov 15 and will miss the window for changing my plan ..can I call employee health benefits before to change without a penality?

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JHU Benefits September 10, 2013 at 12:00 pm

There is a corrections window offered each December for employees who would like to make changes to their elections prior to the start of the new year. This window is open until December 31 and will allow you to make this adjustment to your Medical Plan election. Information on this will be sent to you with your confirmation statement in mid-December.

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Louisa L Petrosillo September 4, 2013 at 10:15 am

Hi,
I wasn't sure what this meant. Did it mean that our cost will rise to 75/25%? An employee cost-sharing of 25 percent for family coverage. I had a Flex account at 1,000. and yet needed additional imaging because of the new digital equipment with the new system couldn't be read properly so they asked me to return to rescan and my fee was over $500.00 which I had to arrange payments of $80.00 for six months for JHBMC. I am paying yearly a $1700.00 for my medical services/medications - family plan. .
Thank you,
Louisa
410-550-8103

Reply

JHU Benefits September 4, 2013 at 10:59 am

The 25% referenced is a target for our premium cost sharing (rates) for employees. Meaning that the employee will pay for 25% of the premium and JHU will pay 75%. It does not include out of pocket expenses such as pharmacy co-payments, deductibles, co-insurance and the out-of-pocket maximum.

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Wanda Collins September 4, 2013 at 10:03 am

Please further define/clarify other medical and pharmacy plan features: Is the deductable/amount inclusion in the "out of pocket" ? What exactly does this mean; is this change monetarily beneficial to the employee?

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JHU Benefits September 4, 2013 at 10:17 am

The deductible for the medical plan will be included in the calculation for the meeting the out of pocket max. I hope this helps clarify.

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JHU Benefits September 4, 2013 at 6:29 am

Yes, the Benefits Fair for the East Baltimore Campus is on October 3 starting at 10am at the Turner Concorse.

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Janet September 3, 2013 at 4:02 pm

Will there be a benefits fair on the East Baltimore campus?

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