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Discover What’s New and Important for Plan Year 2015-2016

Each year, Interstate takes a fresh look at our overall benefits coverage, because we understand how important your benefits and their costs are to you and your family. We also evaluate benefit costs and trends for the current year and forecast costs for the upcoming year.

While there aren’t major changes for 2015-2016, we’re introducing some new benefits that could help offset your health care costs. Remember, you can help manage your costs by enrolling in the medical plan option with the right level of coverage for you and your family, covering only the eligible dependents you need to and enrolling in and actively participating in disease management programs offered by your medical plan carrier to help you manage certain chronic conditions.

NEW Kaiser HMO Option

We’re introducing the new Kaiser Colorado HMO medical plan (available to associates in the Kaiser Colorado service area). Learn more about this option.

Be sure to compare medical choices, premiums, deductibles, and out-of-pocket costs so that you can make the best decision for 2015. Visit Your Benefits Resources for comparison charts and details.

NEW Hospital Indemnity Insurance

You can’t prepare for everything, but this coverage could give you some peace of mind if you are hospitalized. Beginning in 2015, you can purchase Hospital Indemnity Insurance offered through MetLife. This insurance helps offset costs under your medical plan associated with hospital stays due to an accident or illness.

Hospital Indemnity Insurance benefits provide cash to help with out-of-pocket expenses such as deductibles or coinsurance. Here’s a look at your pay period costs for Hospital Indemnity Insurance:

  • Employee Only: $4.09
  • Employee + Spouse: $6.30
  • Employee + Child(ren): $8.26
  • Family: $10.55

During Annual Enrollment, you can enroll in coverage for yourself, your spouse, or dependent children. This plan is open to all benefits-eligible employees, regardless of your medical benefit election.

Learn more about Hospital Indemnity Insurance, check out the FAQs and view plan exclusions and limitations.

Pharmacy Benefit Changes

If you enroll in a UnitedHealthcare option, your prescription drug coverage will be provided by a new pharmacy vendor—WellNet—beginning April 1, 2015. WellNet will replace ESI (Express Scripts). You will receive a separate prescription drug ID card.

There will also be changes in certain prescription drug features:

  • Under the United Core POS, United Basic POS, United High Option POS and United Out of Area Indemnity Plans, a prescription drug annual out-of-pocket maximum of $1,600 individual, $3,200 family is effective as of April 1, 2015, along with a brand name prescription drug annual deductible of $50 individual, $100 family.
  • The coinsurance maximum for non-formulary prescription drugs increases from $150 to $175.

Learn more about WellNet and managing your medications.

Health Care Flexible Spending Account (FSA) Maximum Increase

The Health Care FSA maximum increases to $2,550 beginning April 1, 2015. You can set aside between $250 and $2,550 a year into your Health Care FSA—depending on what you think you might spend between April 1, 2015 and March 31, 2016.You decide the amount of pre-tax money to deduct from each paycheck … and then you use this tax-free money to reimburse yourself for eligible medical, prescription, dental, and vision expenses! You can use these funds for copays, coinsurance, and deductibles. It’s like getting an extra discount on everything from dental exams to X-rays to office visit copays.

As a reminder, if all of your FSA money is not used by the end of the Plan Year (March 31), you can carry over up to $500 to pay for eligible expenses incurred in the next Plan Year. Any amount over $500 must be forfeited under IRS regulations.

No Recertification Required for Tobacco User Status

This year, we’re making enrollment even easier! Unlike prior years, your tobacco user status will remain as currently elected and re-certification is not necessary unless your tobacco user status has changed since April 1, 2014.

Tobacco Surcharge Increases

There will be minor tobacco surcharge increases:

  • Employee Only: $15 to $20
  • Employee + Spouse: $30 to $40
  • Employee + Child(ren): $25 to $35
  • Family: $45 to $60
SAVE on your medical premiums if you and your family members are tobacco-free (for at least the past 6 months). If you are a tobacco user and successfully complete Interstate’s Tobacco Cessation Program (Quit for Life), you may become eligible for lower premiums. Complete five calls with a Tobacco Quit Coach in 2015 and you can certify as a non-tobacco user for the 2016-2017 Plan Year! Learn more about Quit For Life.

Changes in Medical Plan Features
  • Under the United Core POS, United Basic POS, United High Option POS and United Out of Area Indemnity Plans, office visit copays will increase from $20 to $25 for a primary care visit copay, $40 to $50 for a specialist visit copay, and $50 to $60 for an urgent care copay.
  • The United Core POS Plan’s individual annual deductible will increase from $1,250 single to $1,500 single.
Disability Insurance Reminders

Short-Term Disability and Long-Term Disability

Disability insurance benefits help to provide income if you are unable to work due to illness or accident.  Coverage will continue as currently elected. Evidence of Insurability (EOI) is required if you are not currently enrolled and choose to elect during Annual Enrollment. For questions, log on to Your Benefits Resources.
Learn more about disability insurance.

Pricing Changes

You may see rate changes in your plans. Compare your actual costs at Your Benefits Resources.

Health Care Reform Reminders Don’t forget…
  • We encourage you to compare your coverage options through Interstate Hotels & Resorts, through your spouse/domestic partner plans (if applicable), and through the federal or state marketplaces. Find the best choice for you.
  • Learn more about health care reform and you.
Your Benefits Resources Web Site Enhancements

When you log on to the Your Benefits Resources web site via mobile device, you will now be able to conveniently add dependents!

Ensure all your dependents covered under your plan are eligible. Eligibility requirements for your legal spouse, domestic partner, and children are listed on Your Benefits Resources and in your Explorer’s Guide.

Take a closer look at your 2015-2016 Explorers’ Guide to learn more about your overall benefits and how you can make the most of them.

Get a head start for a chance to win!

Take Early Bird action February 16 through February 22, 2015 to be entered into a drawing for a chance to win one of five $50 Amazon gift cards! To qualify, log on to the Your Benefits Resources web site and click Enroll. Then, click the Explorer’s Guide PDF under Step 1 – Discover What’s New! and look for the NEW icons throughout the guide.

Take a Closer Look: Life Resources to Set You in the Right Direction

Call Anytime for Confidential Assistance.
Personal issues? Planning for Life events? Financial or legal issues? Call the Employee Assistance Program provided by ComPsych® GuidanceResources® at 877.327.4441.

More to Explore: Your Benefits Resources

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