Teammates

The 2020 LiveWELL Health Plans

Teammates asked for a choice. We have heard the #VoiceoftheTeammate.

For 2020, we are adding a co-pay-based health plan option, improving the existing LiveWELL Health Plan, and both health plan options will have an Atrium Health Value Network with enhanced teammate discounts.

The Atrium Health Value Network is a new network that provides the highest level of benefit, which includes an improved teammate discount on fees for service.

Explore these 2020 LiveWELL Health Plans topics:


 

2019 Teammate Webinars

In September 2019, a 2020 LiveWELL Health Plans Webinar was recorded for teammates.

 

2020 LiveWELL Health Plans At-a-Glance

The Health Savings Plan

An improved version of the 2019 LiveWELL Health Plan.

Key improvements:

  • Family premiums will be lowered between $34 and $51 per bi-weekly pay period ($844 to $1,326 annually)
  • Deductibles will be lowered for individuals from $1,850 to $1,400 and for families from $3,700 to $2,800

The Co-Pay Plan

Offers predictability with higher premiums and lower out-of-pocket expense.

Key features:

  • Co-pays for primary care, specialty care and medications with no deductibles
  • No deductibles (with the exception of inpatient and outpatient services)
  • Earned LiveWELL Incentives go pretax into LiveWELL Incentive Account
  • Flexible Spending Account (FSA) provides pretax dollars for healthcare expenses

Health Plan

 


Health Plan

Printable Version of The 2020 LiveWELL Health Plans

 

Premiums

Premiums are the amount you pay for your health plan per pay period. The premiums below represent a bi-weekly pay schedule. Monthly paid teammates multiply bi-weekly premium by 26 and divide by 12 (premiums may vary based on specific compensation plans).

 

 

Savings and Spending Accounts Explained

Printable Version of Savings and Spending Accounts Explained

 

The 2020 LiveWELL Health Plans Frequently Asked Questions

Education/Staying in the Know

How can I stay up-to-date on the latest information about 2020 LiveWELL Health Plans and other benefits?

  • Continue to visit this 2020 LiveWELL Health Plans page
  • Download the Teal Insider App
  • Webinars for teammates will begin in September. These sessions will also be recorded and available on the Leader and Teammate Resources page on PeopleConnect
  • Save the Date postcards will be mailed to teammate homes in mid-September
  • 2020 Health Plans Summary will be mailed to teammate homes in early October
  • The 2020 Health Plans Decision Support Tool will be launched in early October to help teammates make the best decisions for their unique situations
  • The digital 2020 Benefits Guide will be available in early October

How can I determine which health plan option is best for me?
To help teammates make a personal choice, we are providing a Health Plan Decision Support Tool, which will become available in early October.

  • The tool will guide the teammate through a series of questions
  • Based on the answers, the tool will show a side-by-side of the overall expense for both plans
  • The tool will not recommend a plan, rather it will present a comparison based on answers provided by the teammate and then the teammate can make a choice of plan

If my spouse and I work for Atrium Health how will we determine the best health plan option for our family?
To help teammates make a personal choice, we are providing a Health Plan Decision Support Tool, which will become available in early October.

  • The tool will guide the teammate through a series of questions
  • Based on the answers, the tool will show a side-by-side of the overall expense for both plans
  • The tool will not recommend a plan, rather it will present a comparison based on answers provided by the teammate and then the teammate can make a choice of plan.

Open Enrollment

When is Open Enrollment?
Tuesday, October 22 through Tuesday, November 5

Do I have to make a health plan election during Open Enrollment?
Yes. For the best experience, please enroll in the health plan of your choice.

Can I switch my health plan election after Open Enrollment?
No, the IRS regulation does not allow change between health plans during the year, with the exception of a Qualifying Life Event.


2020 LiveWELL Health Plans

I currently have VA or Tricare benefits as a veteran. Should I enroll in health plan benefits at Atrium Health?

  • If you enroll in health plans at Atrium Health your VA and Tricare coverage will become secondary, you will be responsible for out of pocket expenses. 
  • A Health Savings Account (HSA) cannot be elected when on a governmental plan.

Do your research to determine which plan will provide the best coverage at the best price for you and/or your family needs. For more information:

If I elect the Health Savings Plan in 2020:

Will Atrium Health provide match and/or seed money to the HSA account in 2020?
No, Atrium Health will not provide match or seed money for teammates’ Health Savings Account (HSA) due to lower deductibles on each of the LiveWELL Health Plans and the addition of the new co-pay plan.

Note: Teammates who make less than $30,000 annually will receive $200 to their Health Savings Account or LiveWELL Incentive Account.

When are the LiveWell Incentives earned in 2020, deposited into my HSA or LiveWELL Incentive Account?
Incentives dollars earned in 2020 have three payout opportunities - March, July and November.

Can I make changes to my contribution to the Health Savings Account (HSA) anytime during the year?
Yes, by going to PeopleConnect > Human Resource eForms and completing the Health Savings Account Contribution Change Request form.

Where will my LiveWELL Incentives be contributed?
LiveWELL Incentives will be contributed to the Health Savings Account (HSA).

Can I contribute my incentives, such as PPI, MAIP, APP incentives, into my HSA to realize the tax savings benefit?
Yes. Look for communications near the time of payout to make your contribution election.

How can I use the Limited Purpose (FSA)?
The Limited Purpose (FSA) allows teammates to set aside pretax dollars to help pay for qualified dental and vision expenses that occur during a 12-month period. This account can only be used with the LiveWELL Health Plan with Savings Account (HSA).

Can I make changes to my Limited Purpose (FSA) contribution anytime during the year?
No, it is an IRS regulation that elections can only be made during Open Enrollment and cannot be changed during the year, with the exception of a Qualifying Life Event.

If I elect the Co-Pay Plan in 2020:

I elected the Co-Pay plan for 2020, what date of services can be reimbursed from my FSA and LiveWELL Incentive?
You can only be reimbursed for services rendered after 1/1/2020 from your FSA and LiveWELL Incentive account.  However, if a teammate has a remaining HSA balance, they have the option to pay out of pocket on the medical account owed and then file a claim with Bank of America to pay themselves back from their HSA balance. You can contact Bank of America at 1-866-731-4206 if you would like more information.

If I elect the Co-Pay Plan in 2020 and still have an HSA balance how can I use those funds?
When you have the LiveWELL Health Plan with Spending Account (FSA) you will have one card. The funds will be accessed in the following order: FSA, LiveWELL Incentive Account then HSA.

If I elect the Co-Pay Plan in 2020 will I have the same Bank of America debit card I have today for HSA?
No, you will receive a new Bank of America debit card that will have your current HSA dollars, any FSA elections and LiveWELL Incentives earned on the one card. A new Bank of America debit card will be mailed to you if you move from the LiveWELL Health Plan in 2019, to the Co-Pay Plan in 2020.

The new card will be mailed in early January 2020 and your current card will be deactivated after December 31, 2019. You will continue to have access to your HSA funds balance through the Bank of America portal until you receive your new card. The funds on the new card will be accessed in the following order: FSA, LiveWELL Incentive Account then HSA.

If I elect the Co-Pay plan in 2020 but in future years decided to elect the Health Savings Plan what will happen to my LiveWELL Incentives I earned in the LiveWELL Incentive Account?
Any unused balance in your LiveWELL Incentive Account once you elect the Health Savings plan for the next benefit year will be forfeited. Teammates will have until April 30th to have health care expenses from the previous year reimbursed.

What happens to my LiveWELL Incentives I earned in the LiveWELL Incentive Account if I terminate employment or retire?
Any unused balance in your LiveWELL Incentive Account once you terminate will be forfeited at the end of the year. Teammates will have until April 30th to have health care expenses from the previous year reimbursed.

If I elect the Co-Pay Plan can I still have/use my HSA?
Your HSA dollars are yours to keep. However, you cannot contribute to your HSA while on the LiveWELL Health Plan with Spending Account (FSA).

When should I contribute to the Flexible Spending Account (FSA)?
The Flexible Spending Account (FSA) allows teammates to set aside pretax dollars to help pay for qualified medical expenses that occur during a 12-month period. This account can only be used with the LiveWELL Health Plan with Spending Account (FSA).

Why can’t I contribute to my Health Savings Account (HSA) if I elect the Co-Pay Plan?
According to IRS regulation you can only contribute to a Health Savings Account (HSA) if you are enrolled in a high-deductible/consumer-directed health plan.

What is the LiveWELL Incentive Account?
The LiveWELL Incentive Account is for Atrium Health contributions only. Earned LiveWELL Incentives will be deposited into this account for teammates enrolled in the LiveWELL Health Plan with Flexible
Spending Account (FSA).

Can I contribute to the LiveWELL Incentive Account?
No, only LiveWELL Incentives you earned can be contributed by Atrium Health to the account.

What happens to the unused dollars I earned in the LiveWELL Incentive Account at the end of the year?
You may rollover the full account balance from year to year.

What happens to the unused dollars earned in the LiveWELL Incentive Account when I terminate employment with Atrium Health?
When you terminate employment from Atrium Health your unused funds will be forfeited.

What happens to the unused dollars I contributed to the Flexible Spending Account (FSA) at the end of the year?
You may rollover up to $500 to the next year, per IRS regulations.

What happens to the unused dollars I contributed to the Flexible Spending Account (FSA) when I terminate employment with Atrium Health?
If you leave Atrium Health, you can elect COBRA to continue your FSA. If you do not elect COBRA, any unused funds will be forfeited.

Can I make changes to my contribution to the Flexible Spending Account (FSA) anytime during the year?
No, it is an IRS regulation that elections can only be made during Open Enrollment and cannot be changed during the year, with the exception of a Qualifying Life Event.

If I have the Co-Pay Plan, can I contribute my PPI, MAIP, APP incentive and PTO cash in to my FSA?
No, you can only contribute those payouts into an HSA if you have the LiveWELL Health Plan with Savings Account (HSA).


Networks

What is the Atrium Health Value Network?
The new Atrium Health Value Network is a key feature of the 2020 LiveWELL Health Plans. It provides a higher benefit and improved teammate discount for services.

Which providers and facilities are in the Atrium Health Value Network?
All Atrium Health facilities and providers will be in the Value Network. Providers outside of Atrium Health will have the opportunity to become a part of the Value Network if they meet specific criteria, including accepting the discounted rate for the LiveWELL Health Plan members.

What provider network will be available for teammates or family members who live outside the geographical area where Value, Preferred, or In-Network is available?
You will receive the Preferred Network pricing for claims.

How can I find out which network my doctor is included?
The MedCost website has a directory of providers and facilities by network designation. This information is updated as provider contracts are renewed or negotiated.


Out-of-Pocket Maximum

Are there any changes to how the out-of-pocket maximum is met for family?
No, out-of-pocket maximum is calculated the same way as it is today for the LiveWELL Health Plan. For example, on the LiveWELL Health Plan with Savings Account (HSA), the family out-of-pocket maximum is $10,000 but no more than $6,000 for any individual family member covered on the plan.


LiveWELL Incentives

When will 2019 LiveWELL Incentives be paid out?
2019 Core Four incentives earned in 2019 will be paid in January 2020.

If I elect the LiveWELL Health Plan with Spending Account (FSA), where will my 2019 LiveWELL Incentive be deposited?
Your 2019 earned LiveWELL Incentives will be paid in January of 2020 into your LiveWELL Incentive Account.

If I have the LiveWELL Health Plan with Savings Account (HSA), where will my LiveWELL Incentives go when I earn them?
Your LiveWELL Incentives will continue to go into your Health Savings Account (HSA).

If I do not elect to be on a LiveWELL Health Plan for 2020 and I earned 2019 LiveWELL Incentives, will I receive the incentives?
No, you must be enrolled in one of the Health Plan options to receive the 2019 LiveWELL Incentives.

What are the 2020 LiveWELL Incentives?
You will have opportunities throughout 2020 to earn up to three LiveWELL Incentives totaling $750 for teammate-only coverage or $1,500 for family coverage with both LiveWELL Health Plans. Incentives will be paid in the year they are earned. More details about the 2020 LiveWELL Incentives will be shared later in 2019.

Printable Version of The 2020 LiveWELL Health Plans FAQs