Issue No. 8
Open Enrollment Brings Changes in Employee Health Benefits
Date: October 1, 2013
WHO: Employees of The Johns Hopkins Hospital, The Johns Hopkins Health System Corporation, Johns Hopkins Bayview Medical Center, Johns Hopkins Community Physicians, Johns Hopkins HealthCare and Johns Hopkins Home Care Group
WHEN: Open enrollment for 2014 is Oct. 21 through Nov. 4.
After years of providing 100 percent paid health insurance, why did Johns Hopkins go to a 90/10 co-insurance plan?
Last year, Johns Hopkins announced that to control the rising medical care costs and improve the health and wellness of its employees, it was changing the health benefits plan. The most significant change was that Johns Hopkins Medicine would shift from paying the total cost of health care coverage to a 90/10 cost-sharing split when the employee used a provider outside of the Johns Hopkins network for inpatient services.
How does the 2014 medical benefit work?
We will continue to provide 100 percent coverage if you use Johns Hopkins-owned facilities, such as the six hospitals, and we will also continue to provide 100 percent coverage for preventive care services. Effective Jan. 1, 2014, if you use a provider or facility that is part of the EHP network, but not the Hopkins Preferred Network, you will pay 10 percent of the cost for inpatient and outpatient care, up to the yearly out-of-pocket maximum of $2,000 per individual and $4,000 for a family. Plan members who choose to obtain care from providers who are not members of the EHP network will pay higher copays and a higher percentage of co-insurance (70/30, rather than 90/10).
How do I know who is a Hopkins Preferred medical provider?
You can verify who is a Hopkins Preferred Network medical provider through an online directory. To search for a provider in that network, visit the EHP website at www.ehp.org.
WHO: Employees of the Johns Hopkins University School of Medicine
WHEN: Open enrollment for 2014 is Oct. 22 through Nov. 12.
What changes will university faculty and staff see in the 2014 benefits program?
As announced last year, 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) will have one small change: Consistent with health care reform requirements, the deductible amount will be included in the out-of-pocket maximum.
Will we gain any new benefits?
We’re adding a voluntary legal services benefit and relaunching critical illness coverage.
Where can I find more information about benefits and wellness?
Note: Information about benefits for employees of Howard County General, Sibley, Suburban and All Children’s hospitals will become available in upcoming weeks.