1. health and fitness

GUIDE
BENEFITS
2015
welcome to
WHAT YOU'LL
FIND INSIDE
top life
2What You Need to Do
2Your 2015 Health Plan Options
4The Rewards of Wellness
5Health Plan Monthly Premiums
to Know Your Rx
7Introduction
Coalition (KYRx)
8New Voluntary Benefits
9Important Contact Information
PLEASE READ THIS BOOKLET CAREFULLY. It contains important information about Western Kentucky
University’s Benefit Plan effective January 1, 2015. This year’s enrollment begins Monday, November 3,
and ends Friday, November 21. All employees must actively enroll for 2015. If you do not complete the
enrollment process by November 21, you will be assigned default coverage.
WHAT'S NEW
It’s Time to Enroll – It’s Time to Get Active!
This year’s Annual Enrollment for 2015 benefits runs from November 3 through November 21. Everyone needs
to complete the enrollment process this year. We are introducing many changes and new choices, so your active
participation is the only way to ensure your 2015 coverage best meets your needs. Here’s a preview of what’s new
and what’s changing for 2015:
- We are introducing new health plans and wellness incentive options. When you make the Top Life Pledge, you’ll be enrolled in the “Healthy”
medical plan of your choice. One feature of the “Healthy” plans is a unique type of savings account to help you cover eligible health care
expenses and meet your deductible. The current High, Standard and Economy plans will not be available in 2015. Whether you’ll see an
increase or decrease in your monthly premium depends on the plan you elect, whom you cover, if you complete the Top Life Pledge.
- Spouses/Partners enrolled in the health plan will be included in wellness services and will be eligible to earn incentives.
- Know Your Rx Coalition (KYRx) will replace Anthem as the prescription drug plan administrator.
- Colonial will offer new Cancer and Medical Bridge policies designed to offer an additional level of financial security if you have high out-of-pocket
medical costs, are critically ill or experience a catastrophic event.
- The Vision plan will no longer be bundled with the WKU Health Plan. This means ALL employees and dependents, including those not covered by
the WKU Health Plan, will have access to vision coverage in 2015. Avesis will replace Anthem as the new vision provider.
- Participants on the Premier Dental Plan will experience a modest decrease in premiums for 2015 and the provider network is expanding.
- WageWorks will replace TASC as our Flexible Spending Administrator.
MAKING CHANGES
THROUGHOUT THE YEAR
The choices you make during Open Enrollment remain in place from January 1, 2015 through
December 31, 2015. You cannot add or drop coverage until the next Open Enrollment period in
November 2015 (for the plan year beginning January 2016) unless you have a change in family
status or experience another “qualifying event,” with benefit changes related to the specific life
event. The following events would allow you to make changes to your current benefits during the
plan year. You must notify the Employee Benefits section within 31 days of the “qualifying event.”
• Birth or adoption
• Marriage
• Divorce
• Employment Status (dependent loses/gains other coverage)
• Dependent no longer meets eligibility criteria
Additional information is available at
www.wku.edu/benefits/bf
1
WHAT YOU NEED TO DO
Quit tobacco. If you’ve ever considered quitting tobacco, 2015
may be the time to do it! WKU will be evaluating implementation
of tobacco and non-tobacco rates over the next year. Take
advantage of the smoking cessation programs next year and
kick the habit.
Be active. Don’t just go through the motions this enrollment period.
Actively review the information and make your 2015 benefit decisions.
Make your Top Life Pledge. When you (and your spouse/partner) make
this wellness Pledge, you are eligible to receive wellness credits in your
HSA or HRA, along with discounted premiums.
Do the math. Premiums are changing for 2015, so be sure
to consider how the discounted healthy plan premiums and
Get the facts. Review all materials, share the information with your
wellness HSA/HRA credits will affect your costs.
spouse/partner and ask questions. Take advantage of the following
informational and educational opportunities:
• Attend the Benefits Fair (Nov. 3 - Nov. 6)
• Participate in 15-minute HR Coffee Breaks via webex from your workstation
• Attend your Division or College informational meeting
• Visit the Benefitfocus site for videos, plan tutorials, and additional benefit details
YOUR 2015 HEALTH PLAN OPTIONS
WKU is taking a new approach to our health plan offerings–
designed to reward you for taking an active role in your
health and well-being and to slow the growth of health care
costs for you and WKU.
TAKE ACTION
Take action by November 21! If you do not enroll in medical
coverage before the November 21 deadline, you will be
automatically enrolled in the PPO/1,500 Plan with the same family
coverage category as your current election, or the waiver if you
currently waive coverage. In addition, you will not be eligible for
the WKU wellness credit or premium discount.
You will see innovative new health plan choices that come
with a type of savings account—either a Health Savings
Account (HSA) or Health Reimbursement Arrangement
(HRA)—to help you pay for eligible medical expenses. See
the comparison chart below for key differences between the
HSA and HRA.
Know the Difference - Get the most out of your Health Plan
KEY FEATURES
HEALTH SAVINGS ACCOUNT (HSA)
HEALTH REIMBURSEMENT ARRANGEMENT (HRA)
Healthy Saver/2,600
Healthy PPO/1,000 and Healthy PPO/1,500
WKU initial account credit
$800/Employee
$1,300/Family
Not Applicable
Additional WKU wellness incentive account credit (Top Life
Pledge)
$500/Employee
$1,000/Family
$500/Employee
$1,000/Family
Yes, up to IRS limits
No
Use to help pay for eligible medical expenses
Yes
Yes
Take balance with you if you leave WKU
Yes
No
Earns interest
Yes
No
Balance rolls over from year-to-year
Yes
Yes
Paired with which health plan option
Employee contributions allowed
Works with Health Care Flexible Spending Account (HC FSA)
No. However, you may have a Limited Purpose HC FSA
Yes. You may have a regular HC FSA
Available to Medicare eligible members (Age 65+)
No
Yes
Available to Other Qualified Dependents
No
No
Eligible dependents must be enrolled in a WKU health plan to
use the accounts funds
Yes
Yes
Complete details are available at www.wku.edu/benefits/bf.
2
The section below outlines the new health plans being offered in 2015. These plans replace the current High, Standard, and Economy PPO Plans.
A comparison chart is available on page 6. You can learn more about these plans and see them in action on-line at www.wku.edu/benefits/bf.
NEW
HEALTHY
SAVER/2,600 PLAN
This plan is paired with a Health Savings Account (HSA), with a WKU initial credit of $800 or $1,300. You may also make voluntary pre-tax contributions
to your HSA. The HSA and WKU’s credits are designed to help you meet the higher deductible and out-of-pocket maximum of this plan. Here’s how it works:
• Regardless of your participation in the Top Life Pledge, WKU will make an initial credit to your HSA of $800 for employee only coverage or
$1,300 for employee + child(ren), couple and family coverage levels.
• If you make the Top Life Pledge when you enroll, WKU will credit your HSA with an additional $500 or $1,000 wellness credit and you will
receive a discounted premium of $15.00 per month for employee only and employee + child(ren) coverage levels or $30.00 per month for
couple or family coverage levels.
• You can make additional, voluntary pre-tax HSA contributions, up to annual IRS limits; employees age 55 or older may make additional catchup contributions.
• You use your HSA balance to help pay for eligible health care services for you and your enrolled dependents to help meet your deductible.
• Once you meet the deductible, the plan pays benefits as shown in the chart on page 6.
• Your HSA balance earns tax-free interest, it rolls over from year to year, and if you leave WKU you can take your HSA with you.
• If you decide not to participate in the Top Life Pledge, you will be enrolled in the “Saver/2,600 Plan” and will not be eligible for the additional wellness credits or the discounted premiums.
NEW
HEALTHY
PPO / 1,000 PLAN
This option generally has the highest employee premium but it also usually pays the highest level of benefits when you receive care. Here’s how it works:
• If you make the Top Life Pledge when you enroll, WKU will set up a HRA on your behalf and credit the account with $500 for employee only
coverage or $1,000 for employee + child(ren), couple and family coverage levels. You will also receive a discounted premium of $15.00 per
month for employee only and employee + child(ren) coverage levels or $30.00 per month for couple or family coverage levels.
• You cannot make voluntary contributions to your HRA; however, you can make voluntary pre-tax contributions to a Health Care FSA.
• You can use your HRA balance to help pay for eligible health care services to help meet your deductible.
• Once you meet the deductible, the plan pays benefits as shown in the chart on page 6.
• Your HRA does not earn interest; however, any remaining balance at the end of the year rolls over to the next year.
• If you leave WKU, you forfeit any remaining HRA funds.
• If you decide not to participate in the Top Life Pledge, you will be enrolled in the “PPO/1,000 Plan” and will not be eligible for HRA wellness
credits or the discounted premiums.
NEW
HEALTHY
PPO / 1,500 PLAN
This option is similar to the PPO/1,000, but it costs less each month because it generally pays the
lowest level of benefits toward the cost of services. Like the PPO/1,000 Plan, this option comes with
a HRA when you make the Top Life Pledge (see the plan above for how a HRA works). If you decide
not to participate in the Top Life Pledge, you will be enrolled in the “PPO/1,500 Plan” and will not be
eligible for HRA wellness credits or the discounted premiums.
SEE THE PLANS IN ACTION
IS "HEALTHY” IN YOUR
PLAN NAME?
It will be when you and your spouse/partner take the Top Life Pledge during this year’s annual enrollment process. For example, health plan names
for employees who take the Pledge are Healthy Saver/2,600, Healthy PPO/1,000 and Healthy PPO/1,500 Plans. If you don’t take the Pledge,
“Healthy” is dropped from the plan name.
OPTING
OUT OF HEALTH INSURANCE
If you waive health plan coverage, WKU will set up a Health Care FSA on your behalf. These funds may be used for reimbursement of eligible out-of-
pocket expenses as defined by the Internal Revenue Service (e.g., co-pays, co-insurance, deductibles, and vision and dental services). The Health Care
FSA may be used for eligible expenses incurred by all family members who qualify as a federal tax dependent. Here’s how it works:
• WKU will put $125 per month in the FSA for all employees who waive medical coverage.
• If you make the Top Life Pledge and complete the program requirements, you will be eligible to earn an additional $500 cash
incentive during the 2015 calendar year.
3
THE REWARDS OF WELLNESS
WKU is introducing exciting changes to the wellness program for 2015—including inviting your enrolled spouse/partner to participate in the Top Life
Pledge. When you pledge to take an active role in your health and well-being, you become eligible to receive a wellness credit to either your HSA or HRA
as well as discounted premiums on your health plan.
IT
STARTS WITH THE TOP LIFE PLEDGE
When you enroll for 2015 benefits, you’ll be asked to sign a
“Top Life Pledge” or decline to participate in the program for
yourself and your spouse/partner. Making the pledge is a new
step toward earning the WKU wellness credits and discounted
premiums. To maintain a discount on your health plan
premiums, you and your spouse/partner must take additional
action by September 1, 2015 (see Tier 2 Activities).
If you waive medical coverage, yet want to participate in
the program, you will receive a $125 monthly deposit into a
Health Care FSA plus additional cash bonus opportunities as
you successfully complete your commitments.
1
I/We pledge to complete the following Tier 1 Activities before Feb. 15, 2015:
the online health assessment AND a biometric screening on campus through
GGC@WKU or with my primary care physician.
pledge to complete the following Tier 2 Activities before Sept. 1, 2015:
one (1) behavior modification program OR two (2) health education programs.
2 I/We
pledge to the following healthy actions: to wear a seatbelt 100% of the
3 I/We
time, be physically active and increase my/our knowledge of healthy eating.
COMPLETE YOUR BIOMETRIC SCREENING AT THE BENEFITS FAIR. This year GGC@WKU (Graves-Gilbert Clinic at WKU) will provide biometric
screenings during the Benefits Fair (November 3 through 6). Go to www.livehealthier.com to schedule your biometric screening appointment.
HERE’S HOW IT WORKS TOGETHER
Top Life Pledge: Tier 1 Activities
Complete a Health Assessment and biometric screening by 2/15/15
For this coverage category
Receive a wellness incentive (i.e., a WKU contribution to your HSA or HRA)
Employee
Couple
EE + Child(ren)
Family
$500
$1,000
$1,000
$1,000
Top Life Pledge: Tier 2 Activities
Complete 1 behavior modification program OR 2 health education programs by 9/1/15 to maintain a discount* on your health plan premium
Behavior Modification Programs (pick 1)
•
•
•
•
Lifestyle Management coaching (phone or online)
Condition Management coaching (phone only)
Weight Watchers® at Work
Cooper-Clayton® smoking cessation program
Health Education Programs (pick 2)
•
- OR -
•
•
•
Colorectal, cervical, or breast cancer preventive screenings (age and
gender appropriate)
Online health challenge
Recommended weekly amount of aerobic activity (self-reported)
Colloquium / Seminar (sponsored by Employee Wellness)
*See page 5 for Health Plan monthly premiums.
The WKU Health Plan is committed to helping you and your spouse/partner achieve your optimal health and well-being. Rewards for participating in
a wellness program are available to all employees. If you think you or your spouse/partner might be unable to meet a standard for a reward under
this wellness program, you might be eligible to earn the same reward by different means. Contact the Manager of Employee Wellness at (270) 745-4393 or
wade.pinkard@wku.edu and we will work with you (and, if you wish, with your doctor) to find a wellness program with the same reward that is right
for you given your health status.
Breaking
Your Pledge Can Be Costly
WKU expects employees and their spouses/partners to stand by their Top Life Pledge; therefore, if you break your pledge, you will be expected to pay
back the wellness credit and premium discounts. To see the details of how this will work, and what it will cost, go to www.wku.edu/benefits/bf.
4
2015 HEALTH PLAN
MONTHLY PREMIUMS
When you make the Top Life Pledge during Annual Enrollment, you have an opportunity to lower your monthly premiums as shown in each of the
“Healthy” plan options below.
SAVER/2,600 WITHOUT TOP LIFE PLEDGE
Coverage Level
HEALTHY SAVER/2,600
Employee Monthly
Premium
Initial HSA Annual
Credit
EE Only
$40
$800
Couple
$330
$1,300
EE+Child(ren)
$175
$1,300
Family
$390
$1,300
Cross Ref Couple
$55
$1,300
Cross Ref Family
$70
$1,300
Coverage Level
By making
the Top Life
Pledge,
Saver/2,600
becomes
Healthy
Saver/2,600
Employee Monthly
Premium
Additional Wellness Total HSA Credits
HSA Annual Credit (initial + wellness)
EE Only
$25
$500
$1,300
Couple
$300
$1,000
$2,300
EE+Child(ren)
$160
$1,000
$2,300
Family
$360
$1,000
$2,300
Cross Ref Couple
$25
$1,000
$2,300
Cross Ref Family
$40
$1,000
$2,300
The 2015 WKU contribution is $558 per employee per month
PPO/1,000 WITHOUT TOP LIFE PLEDGE
Coverage Level
Employee Monthly Premium
EE Only
$90
Couple
$385
EE+Child(ren)
$250
Family
$450
Cross Ref Couple
$105
Cross Ref Family
$145
HEALTHY PPO/1,000
By making
the Top Life
Pledge,
PPO/1,000
becomes
Healthy
PPO/1,000
Coverage Level
Employee Monthly Premium
Wellness HRA Annual Credit
EE Only
$75
$500
Couple
$355
$1,000
EE+Child(ren)
$235
$1,000
Family
$420
$1,000
Cross Ref Couple
$75
$1,000
Cross Ref Family
$115
$1,000
The 2015 WKU contribution is $558 per employee per month
PPO/1,500 WITHOUT TOP LIFE PLEDGE
Coverage Level
HEALTHY PPO/1,500
Employee Monthly Premium
EE Only
$15
Couple
$255
EE+Child(ren)
$115
Family
$330
Cross Ref Couple
$30
Cross Ref Family
$30
Coverage Level
By making
the Top Life
Pledge,
PPO/1,500
becomes
Healthy
PPO/1,500
Employee Monthly Premium
Wellness HRA Annual Credit
EE Only
$0
$500
Couple
$225
$1,000
EE+Child(ren)
$100
$1,000
Family
$300
$1,000
Cross Ref Couple
$0
$1,000
Cross Ref Family
$0
$1,000
The 2015 WKU contribution is $558 per employee per month
CROSS REFERENCE: If both spouses are employed at the University in benefit eligible
positions, they will receive a discounted premium (as displayed in the chart above).
The premium displayed represents the total monthly cost for both employees.
If you have ever considered quitting tobacco, 2015 may be the time to do it! The
Commonwealth of Kentucky and many major employers have implemented tobacco
and non-tobacco rates in their health insurance plans, and WKU will be evaluating
this component over the next year. WKU offers tobacco cessation through lifestyle
management coaching or through Cooper-Clayton group meetings offered oncampus. These tobacco cessation programs are available at no cost to participants
who complete the program requirements.
5
NEW
COMPARING HEALTH PLANS
Below is a comparison of key features for each plan. A more detailed comparison of the health plans is available at www.wku.edu/benefits/bf.
SAVER/2,600
In-Network
PPO/1,000
Out-of-Network
In-Network
PPO/1,500
Out-of-Network
In-Network
Out-of-Network
Savings Account
Type
HSA
HRA
HRA
Initial WKU Credit
(single/family)
$800 / $1,300
Not Applicable
Not Applicable
Annual Wellness
Incentive
(single/family)
$500 / $1,000
Top Life Pledge Required
$500 / $1,000
Top Life Pledge Required
$500 / $1,000
Top Life Pledge Required
EMPLOYEE WELLNESS PROGRAM
Tier 1: Online Health
Assessment,
Biometric Screening
Covered in Full
Not applicable
Covered in Full
Not applicable
Covered in Full
Not applicable
Tier 2: Lifestyle
Management
Coaching, Condition
Management
Coaching, Smoking
Cessation Program,
Weight Watchers,
Health Education
Programs
Covered in Full
Not applicable
Covered in Full
Not applicable
Covered in Full
Not applicable
30%; no deductible
Covered in Full
50%; no deductible
PREVENTIVE CARE
Preventive Care,
Women’s Preventive
Services, Preventive
Screenings, Well
Adult, Well Baby
Covered in Full
30%; no deductible
Covered in Full
CONDITION MANAGEMENT
Health Coach
Covered in Full
Not applicable
Covered in Full
Not applicable
Covered in Full
Not applicable
Codition and Disease
Management
Serivces Through
Nutur Health
Covered in Full
Not applicable
Covered in Full
Not applicable
Covered in Full
Not applicable
TREATMENT
Deductible
(single/family)
$2,600/$4,600
$4,000/ $8,000
$1,000/ $2,000
$2,000/ $4,000
$1,500/ $3,000
$3,000/ $6,000
Inpatient &
Outpatient Services
15%*
30%*
15%*
30%*
30%*
50%*
Physician Office
Services
(non-preventive)
15%*
30%*
15%*
30%*
30%*
50%*
Diagnostic and Labs
15%*
30%*
15%*
30%*
30%*
50%*
Out-of-Pocket
Maximum**
(single/family)
$4,600/$8,600
$8,000/ $16,000
$3,500/ $7,000
$7,000/ $14,000
$5,000/ $10,000
$10,000/ $20,000
*Coinsurance after deductible
**Includes: deductible, coinsurance and copays for medical and prescription drugs
The outline above is a summary of benefits only; it does not list all covered services, limitations, or exclusions. Additional information,
including the Summary of Benefits and Coverage and Uniform Glossary, is available on our website www.wku.edu/benefits/bf
Please refer to the summary plan description for a complete description of benefits and detailed explanation of the specific services covered
by the Plan: www.anthem.com
Additional information is available at
www.wku.edu/benefits/bf
6
OTHER BENEFITS
NEW
PRESCRIPTION
DRUGS
WKU is pleased to be joining the Know Your Rx
Coalition, a governmental purchasing collaborative,
in 2015. Through the Coalition, we join other
universities (e.g., the University of Kentucky,
University of Louisville and Eastern Kentucky
University) who are also interested in reducing
costs while increasing the level of service. By using
the economies of scale of the Coalition, WKU will
be able to maintain our own prescription drug
plan design (see right) while benefiting from cost
savings and the Coalition’s personalized assistance
for our employees. The Coalition is aligned with
Express Scripts.
Some preventive medications are covered in full
or may not be subject to the deductible. You will
find a list of preventive medications, in-network
pharmacies, and the Express Scripts formulary
on our website at www.wku.edu/benefits/bf.
2015 Prescription Drug Plan Overview
In-Network Benefits Only
Retail (30 day supply)
Mail Order (90 day supply)
Deductible
Subject to medical plan deductibles (see page 6)
Out-of-Pocket Maximum
Combined with medical plan (see page 6)
Generic
$10*
$25*
Preferred Brand
$30*
$75*
50% coinsurance*
(min $40; max $140)
45% coinsurance*
(min $100; max $350)
Non-Preferred and
Specialty Drugs
*Coinsurance after deductible
Members enrolled in the WKU Health Plan are automatically
covered under the Prescription Drug Plan
NEW
VISION
PLAN
All WKU employees, and their dependents, have the option to enroll in the vision plan, regardless of their participation in the Health Plan. The vision
plan will no longer be bundled with the WKU Health Plan. Avesis will replace Anthem as WKU’s vision provider. If you want vision coverage for 2015, you
must elect it during the Annual Enrollment process.
Benefit
Exam
(every 12 months)
In-Network
Out-of-Network
$10 copay
Up to $40
Prescription Lenses & Frames
$20 copay
*lenses every 12 months
$0 copay - any frame up to $50 wholesale
*frames every 24 months
Prescription Contact Lenses
*once every 12 months
*Varies by lens type ($40 - $80)
*Reimbursed Up to $45
Elective – $0 copay up to $130
Non-elective - $0 copay
LASIK Surgery
Up to $130
Up to $250
$150 Lifetime Benefit + 25% Discount
2015 Vision Plan Monthly Rates
Coverage Level
Monthly Premium
Employee Only
$0
Couple
$3.96
EE+Child(ren)
$4.66
Family
$8.26
The 2015 WKU Vision Contribution is $5 per employee per month.
DENTAL
PLAN
There will be modest enhancements to the Premier Dental Plan, now called the PPO
Plus Premier Plan, offered by Delta Dental. Members on the PPO Plus Premier Plan will
experience a rate decrease along with an expanded provider network. The CORE PPO Plan
coverage and rates remain unchanged for 2015.
Additional information is available at
www.wku.edu/benefits/bf
2015 Dental Plan Monthly Rates
CORE PPO
Employee Only
Monthly Premium
$0
PPO Plus Premier
Monthly Premium
Employee Only
$11.68
Couple
$13.00
Couple
$35.46
EE+Child(ren)
$11.88
EE+Child(ren)
$44.48
Family
$27.80
Family
$77.16
The 2015 WKU Dental Contribution is $13.06 per employee per month.
7
NEW
COLONIAL
LIFE
You have the option of electing an additional level of coverage through Colonial Life’s Medical Bridge and/or Cancer Policies. This coverage works with
WKU’s health plan by providing additional benefits for certain medical services such as extended hospital confinements or a cancer diagnosis, which can
be costly. If you wish to elect these benefits, you pay the full cost of this coverage.
• Colonial Life Group Medical Bridge Policy: This policy pays additional benefits for certain more costly health care services such as hospital
confinement and outpatient surgery. This type of coverage helps “bridge” coverage of your medical plan by offsetting some of your out-ofpocket costs, including expenses before you meet the deductible and the coinsurance.
• Colonial Life Group Cancer Policy: Cancer treatment can be expensive and lengthy. The benefits provided under this Policy can be used to help
you meet the health plan deductibles, pay the coinsurance or cover non-medical costs (e.g., lost income if you are not able to work during
treatment or certain travel expenses related to getting treatment.)
During Annual Enrollment, these policies are being offered on a guaranteed issue—meaning proof of good health is not required. Representatives
from Colonial Life will be at the Benefits Fair (November 3-6), if you are interested in learning more. In the meantime, visit www.wku.edu/benefits/bf for
additional details and cost information.
NEW
LINCOLN FINANCIAL
LIFE
& DISABILITY
NEW for 2015: Lincoln Financial Group is offering guarantee issue on optional employee life and disability insurance, spouse life and short-term disability
as long as you enroll during the Annual Enrollment process. Guarantee issue means you do not need to provide proof of good health to enroll in this
coverage. Also starting in 2015, the optional employee life insurance premium will be changed from a pre-tax to a post-tax payroll deduction. This
change will offset current tax implications related to imputed income on benefit amounts in excess of $50,000.
Life insurance and short-term disability rates will not change in 2015, unless you move to a new age band. Age-banded rate charts are available online at
www.wku.edu/benefits/bf.
MISCELLANEOUS
BENEFITS
WKU continues to offer the voluntary benefits below. Visit www.wku.edu/benefits/bf for complete details and other important required notices related to
your WKU benefits.
• Employee Assistance Program
• Tuition Waiver Program
• Travel Assistance Benefits:
• BlueCard Worldwide® for coverage while living or traveling outside of the US.
• Assist America’s SecureAssist® Identity Protection Program and emergency travel assistance
• Group Home and Auto Insurance Discount Program administered by Van Meter Insurance
• The 529 College Savings Plan administered by TIAA-CREF
• Health-related Services:
• GGC@WKU at www.gravesgilbert.com/ggcwkuhealthservices
• Preston Health and Activities Center at www.wku.edu/imrec/facilities
TIME AWAY
WKU provides a comprehensive paid time off and medical leave
program. Visit www.wku.edu/benefits/bf for more information about
these programs and the 2015 holiday schedule.
8
QUESTIONS?
Contact the appropriate provider listed below.
ANTHEM BLUE CROSS
BLUE SHIELD(HEALTH)
844-248-1153
www.anthem.com
AVESIS (VISION)
www.avesis.com
800-828-9341
LASIK Provider: 888-314-4619
DELTA DENTAL
(DENTAL)
800-955-2030
www.deltadentalky.com
KYR x COALITION
(PRESCRIPTION DRUGS)
855-218-5979
kyrx@uky.edu
www.kyrx.org
VAN METER INSURANCE
(GROUP HOME AND AUTO
INSURANCE PROGRAM)
1240 Fairway St.
Bowling Green, KY 42103
800-960-3560
www.vanmeterins.com
TRAVEL CONNECT
(EMERGENCY TRAVEL
ASSISTANCE)
410-453-6330
ID #: 322541
LIVEHEALTHIER
(WELLNESS)
888-471-8851
wku@livehealthier.com
www.livehealthier.com
HAVE A GENERAL QUESTION? CONTACT WKU EMPLOYEE BENEFITS:
Call (270) 745-5345
E-mail us at benefits@wku.edu
ANTHEM (EMPLOYEE
ASSISTANCE PROGRAM)
800-865-1044
www.anthemEAP.com
Company ID: WKU
LINCOLN FINANCIAL GROUP
(LIFE AND DISABILITY)
402-361-7300
www.lfg.com
COLONIAL LIFE (CANCER &
MEDICAL BRIDGE)
1830 Destiny Lane, Suite 101
Bowling Green, KY 42104
270-793-9087 office
270-793-9056 fax
www.coloniallife.com
9
QUESTIONS?
KARI AIKINS, CCP, SPHR
270-745-5346
Assistant Director, Total Compensation
kari.aikins@wku.edu
Strategic planning and oversight of benefits, retirement and
compensation
DENISE CORNELIUS
270-745-5345
Employee Benefits Specialist
denise.cornelius@wku.edu
Benefits administration, customer service and new employee
orientation
LINDA HEADY, MBA
270-745-5034
Benefits Administrator
linda.heady@wku.edu
Administration and oversight of the Student Health Plan and
Employee Benefits
SONDRA HUMPHRIES
270-745-6195
Benefits Analyst
sondra.humphries@wku.edu
Benefit and retirement plan administration, customer service,
financial analysis and reporting
SHANNA BALLARD
270-745-5403
HR Representative/Dept. of Facilities Management
shanna.ballard@wku.edu
On-site HR representative to the Dept. of Facilities Management
WADE PINKARD
270-745-4393
Employee Welness Manager
wade.pinkard@wku.edu
Employee Wellness Plan administration & customer service
Human Resources Mission: We exist to support the University by providing services and benefits to recruit and retain a highly talented and motivated
workforce fully considering the interests of the institution and its employees.
The Department of Human Resources is a Division of Finance and Administration
Human Resources
1906 College Heights Blvd. 11003, Bowling Green KY 42101-1003
www.wku.edu/hr
This document is intended to provide a general overview of benefits available to employees of Western Kentucky University. Detailed
benefit information is contained in official plan documents available in the Department of Human Resources. Due to changing business
conditions, Federal and State Law, and organization needs, benefits are subject to change without notice. Nothing in this document should
be considered as a contract or guarantee of participation in any benefit program.
Western Kentucky University does not discriminate on the basis of race, color, national origin, sex, sexual orientation, disability, age, religion
or marital status in admission to career and technical education programs and/or activities, or employment practices in accordance with
Title VI and VII of the Civil Rights Act of 1964, Title IX of the Educational Amendments of 1972, Section 504 of the Rehabilitation Act of 1973,
Revised in 1992, and the Americans with Disabilities Act of 1990.
For additional information and assistance, please review the following link: http://www.wku.edu/eoo.
Created by: www.wkuimagewest.com
©2014 Western Kentucky University. Printing paid from state funds, KRS 57.375
The Benefits Team welcomes your questions and personal visits.
We are located in Wetherby Administration Building, Room G25.