GET THE MOST OUT OF YOUR BENEFITS 2022 Digital User Guide for HRA & HSA Plans
2022 DIGITAL USER GUIDE | CONTENTS
TABLE OF CONTENTS
2
HEALTHCARE 101 03
Glossary
05
How the Plans work
USING YOUR BENEFITS 07
Who’s who
09
Your Aetna toolbox
10
Where to get care
11
Medical claim life cycle
12
Paying for care
13
Shopping for care
14
7 benefit life hacks
This is a brief overview of the HRA and HSA Plans. For additional information, see the documents on the Cerner Wiki HR Knowledge Base. Note: Some resources linked within this guide may be accessible to active Cerner associates only.
2022 DIGITAL USER GUIDE | GLOSSARY
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HEALTHCARE 101
FIRST LET’S COVER SOME TERMS We know healthcare lingo can be confusing. Here’s a breakdown of common terms.
DID YOU KNOW?
ID NUMBER
DEDUCTIBLE
This number is located on your insurance card and helps the provider, Aetna, and MedImpact identify you. Aetna will send you an ID card shortly after you enroll. You can also access it through the Aetna website and mobile app.
A deductible is the amount you pay during a plan year for covered healthcare services before your plan begins to pay.
NETWORK
After you meet your deductible, you begin paying co-insurance (a share in cost), a percentage of the cost of a covered healthcare service. When you’re using an in-network provider, you pay 20% of the cost and Cerner pays 80%. Eligible in-network preventive care is covered at 100%.
The network includes the facilities, providers and suppliers Aetna has contracted with to provide healthcare services. You get a discount when visiting in-network providers, so you pay less for care than if you go to an out-of-network provider.
PROVIDER The provider is an individual or facility that provides healthcare services. Some examples of a provider include a doctor, nurse, chiropractor, physician assistant, hospital, surgical center, skilled nursing facility and rehabilitation center.
CO-INSURANCE (OR, COST SHARE)
OUT-OF-POCKET MAXIMUM This is the most you’ll pay out of your own pocket for covered expenses during the calendar year. When you’ve met your out-of-pocket maximum, Cerner pays 100% of covered expenses. This is how we protect you from high costs if you need serious medical care.
Cerner is self-insured. That means rather than an insurance company paying our medical, dental and vision claims, we pay claims ourselves and pay Aetna to process the claims on our behalf. So, when you see “Plan paid” on your Explanation of Benefits (EOB), that actually means Cerner paid! See more terms on the next page
2022 DIGITAL USER GUIDE | GLOSSARY
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HEALTH REIMBURSEMENT ACCOUNT (HRA) A Health Reimbursement Account (HRA) is an employer-funded account owned by Cerner that you can use for qualified medical expenses. This account is only available for those enrolled in the HRA Plan. Unused funds roll over from prior years, but funds are forfeited once coverage ends.
DID YOU KNOW? There’s a difference between a formulary and a non-formulary drug. A drug formulary is a list of prescription medications covered by your insurance plan at a lower price. A non-formulary drug is one that is not covered or may cost more than formulary drugs. Contact MedImpact for the latest formulary (see page 8 for contact information).
GENERIC PRESCRIPTION A medication that has the same active ingredient as the brand-name drug (think: ibuprofen, naproxen sodium). Generic medications typically cost the least, so choosing a generic (when available) can often save you money.
BRAND-NAME PRESCRIPTION
HEALTH SAVINGS ACCOUNT (HSA)
A brand-name prescription is a medication that has the name given by the company that produced it (think: Advil, Aleve).
A Health Savings Account (HSA) is like a savings account owned by the participant intended to be used for healthcare expenses. With this account, you can set aside pre-tax money. Then use it to pay for qualified medical, prescription drug, dental and vision expenses — now or any time in the future.
If you choose a brand-name prescription when a generic alternative is available, you may be charged the difference between the two, in addition to your standard cost-share.
This account is only available for those enrolled in the HSA Plan. Unused funds roll over from prior years, and you keep the funds if you leave the plan or Cerner.
A specialty medication may be high in cost and/or unique in the way it’s given or handled (think: EpiPen, a medication received via an IV, etc.).
HEALTHCARE FLEXIBLE SPENDING ACCOUNT (FSA)
Specific specialty medications may require “prior authorization” before dispensing. Your provider will work with MedImpact on this authorization.
A Flexible Spending Account (FSA) is a tax-advantaged account owned by Cerner that you can use to pay for eligible out-of-pocket healthcare expenses for yourself and your eligible dependents. This account is available to those enrolled in either the HRA or HSA Plan. If you are enrolled in the HSA Plan, you can only use your FSA for dental and vision expenses. Per IRS requirements, unused funds are forfeited at the end of the grace period.
SPECIALTY MEDICATIONS
For important information on contribution limits, tax advantages, filing requirements and more for the HRA, HSA and FSA, associates should visit the Cerner Wiki.
2022 DIGITAL USER GUIDE | HOW THE PLANS WORK
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HEALTHCARE 101
HOW THE PLANS WORK
LEGEND Ted pays Cerner pays
Let’s follow Ted through a year of using his health coverage. Ted is in the HSA Plan, but the HRA Plan works the same way. Remember: You can use your funds from your HSA (if enrolled in the HSA Plan) or HRA and FSA (if enrolled in the HRA Plan) to pay for your expenses. Cerner contributes $400 in an HRA or $500/$1,000 (single/family coverage) for an HSA PLUS up to $700 for Healthe Living with Rewards incentives!
IT’S SPRING! AND THAT MEANS ALLERGIES.
IN JUNE, TED SPRAINS HIS WRIST OUT ON THE LAKE.
Ted calls Teladoc, finds out his allergies have led to a sinus infection and gets a prescription. He pays for it using the funds Cerner added to his HSA.
He saves money by choosing to go to an urgent care center rather than an emergency room. Ted reaches his deductible and starts the co-insurance period where Cerner pays 80% of the cost of in-network services and he pays 20%.
DEDUCTIBLE
CO-INSURANCE
OUT-OF-POCKET MAXIMUM
DEDUCTIBLE
CO-INSURANCE
OUT-OF-POCKET MAXIMUM
See more scenarios on the next page
2022 DIGITAL USER GUIDE | HOW THE PLANS WORK
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HEALTHCARE 101
HOW THE PLANS WORK
LEGEND Ted pays Cerner pays
EMBEDDED DEDUCTIBLES
TED’S WRIST HEALS AND HE REGISTERS FOR A RACE IN OCTOBER!
CERNER HAD TED’S BACK AND HAS YOURS, WHATEVER THE YEAR MAY BRING.
Unfortunately, he slips on a puddle, breaks his leg and has to go to the emergency room. (Sorry Ted, it’s definitely not your year.) He continues paying 20% of the cost of his medical bills through the co-insurance phase until he meets his out-of-pocket maximum. Then, Cerner covers the full cost of any additional covered in-network medical care.
Ted only had to pay the full cost of his medical care until he reached his deductible, which was offset by the funds in his HSA. When Ted completed the co-insurance phase and then met his out-of-pocket maximum, Cerner picked up the rest of the cost, providing Ted some much needed peace of mind.
DEDUCTIBLE
CO-INSURANCE
OUT-OF-POCKET MAXIMUM
DEDUCTIBLE
CO-INSURANCE
OUT-OF-POCKET MAXIMUM
The HRA and HSA plans have an embedded deductible. This means that if a family member meets the individual deductible, the plan will start to pay benefits for that family member — even if the family deductible hasn’t been met. Once the family deductible is met, the plan will pay benefits for all covered family members. Learn more here (start the video at 6:57).
DID YOU KNOW? Cerner is expecting to pay around $175,000,000 in 2022 for healthcare expenses for U.S. associates.
2022 DIGITAL USER GUIDE | WHO’S WHO
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USING YOUR BENEFITS
WHO’S WHO Think of this as your go-to resource when you’re not sure who to reach out to with questions or issues. Find contact information on the next page.
VSP VISION Use me for: • Your vision benefits • Finding an optometrist • Details regarding lenses or contacts
CERNER HR SERVICE CENTER Use me for: • Questions about your Cerner benefits
DELTA DENTAL
MEDIMPACT
Use me for: • Your dental benefits • Finding a dentist, orthodontist
Use me for: • Navigating pharmacy
or other provider • Your dental claims
• Your pharmacy claims • Mail order prescriptions • Finding a pharmacy
AETNA
HSA BANK
Use me for: • Your HRA and HSA Plan
Use me for: • Your HSA, HRA or FSA balance
• Checking your deductible status • Finding a provider • Viewing your medical claims
• Questions about
medical benefits
benefits and costs
and submitting claims eligible expenses
2022 DIGITAL USER GUIDE | WHO’S WHO
8
USING YOUR BENEFITS
WHO’S WHO Aetna
MEDICAL
833.514.1390
myaetnawebsite.com
MedImpact
PHARMACY & PRESCRIPTIONS
888.274.4417
medimpact.com
HSA Bank
SAVINGS & SPENDING ACCOUNTS
833.227.7078
hsabank.com
Delta Dental*
DENTAL
800.392.1167
deltadentalmo.com
VSP*
VISION
800.877.7195
vsp.com
Tria
MEDICATION MANAGEMENT & SUPPORT
888.799.8742
triahealth.com
Livongo
DIABETES MANAGEMENT & SUPPORT
800.945.4355
welcome.livongo.com/cerner
Your Medical Ally
HEALTH RESEARCH & MEDICAL SUPPORT
888.361.3944
myconsumermedical.com
Progyny
FERTILITY BENEFITS
888.843.8758
info@progyny.com
Cerner
HR SERVICE CENTER
816.982.7547 (hours: 7-4 p.m. CT) 866.434.1543 (toll free)
ask.cerner.com
Healthe Clinic & Pharmacy
MEDICAL & PHARMACY
See website
* Dental and vision coverage are separate elections from the HRA and HSA medical plans.
healtheatcerner.com
> My Campus Services
2022 DIGITAL USER GUIDE | YOUR AETNA TOOLBOX
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USING YOUR BENEFITS
YOUR AETNA TOOLBOX Aetna brings a nationwide network and a lot of different services you can use to make health decisions and save some cash and time. Your coverage also includes these valuable resources.
SPECIALTY ADVOCATE When you’re dealing with a sensitive health condition, you need someone who understands the challenges and complexities you’re experiencing. Aetna offers specialized clinical nurses for certain health situations. They work with you to help you understand what care, services and procedures are covered by your health plan.
AETNA CONCIERGE
TELADOC You have 24/7 access to a doctor by phone or video, available anytime and anywhere.
CVS MINUTECLINIC Access low-cost care at convenient locations inside select CVS Pharmacy® and Target locations. Appointments are available nights and weekends.
Get one-on-one help with finding a specialist, understanding your coverage and deciding next steps for your care. Call 833.514.1390.
MEMBER DISCOUNTS Enjoy discounts on everything from fitness, books, hearing products and weight management services.
Log in to myaetnawebsite.com or the Aetna Health app to learn more about these services and the many more available to you!
2022 DIGITAL USER GUIDE | WHERE TO GET CARE
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USING YOUR BENEFITS
WHERE TO GET CARE Heart attack. Runny nose. Two very different health conditions with very different treatments. That’s why you shouldn’t go to just one place for all your medical care. But how do you choose the right one? Here’s a little guidance.
YOUR MEDICAL HOME
CVS MinuteClinic
Teladoc
Urgent care clinic
Emergency room
Healthe clinics & pharmacies
Doctor office
Consult a doctor by phone or video for minor concerns — anytime, anywhere.
Access convenient, local care inside select CVS Pharmacy® and Target locations
Use urgent care when you can’t wait for the doctor, but your life or health isn’t in danger.
Go straight to the ER if you need immediate care to protect your life or health.
Kansas City- and Malvern- area associates can take advantage of comprehensive medical services.
Count on your doctor for preventive care and help with routine health concerns.
• • • • • •
• • • •
•
• • • •
•
•
Common cold or flu Sinus/ear infection Allergies UTI Dermatology Mental health
Available 24/7 No appointment needed
Common cold or flu Sinus/ear infection Allergies UTI
• • •
Minor cut, burn, sprain or strain Ear or sinus pain Minor allergic reaction Bug bite
Extended and weekend hours
Extended and weekend hours
Same-day & video visits available
No appointment needed
Sudden numbness Uncontrolled bleeding Severe burns Chest pain or pressure
Available 24/7
• • • • • •
Primary care & regular check-ups Healthcare navigation & coaching Maternity care Chiropractic services Mental health Immunizations Additional services available
Appointment needed Same-day visits available
• •
Primary care & regular check-ups Basic health problems Immunizations
Appointment needed
2022 DIGITAL USER GUIDE | MEDICAL CLAIM LIFE CYCLE
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USING YOUR BENEFITS
MEDICAL CLAIM LIFE CYCLE Wonder what’s happening behind the scenes when you need care? Here’s an inside look.
FILLING A PRESCRIPTION? The pharmacy confirms your cost-share with MedImpact before you pay. Eligible prescription claims count toward your deductible and out-of-pocket maximum. Your Aetna ID card includes information on your pharmacy coverage. You can use your HSA Bank card to pay when you pick up your medication.
Keep in mind: It may take a few weeks (or months) after your appointment for you to receive your Explanation of Benefits (EOB) and/or bill.
FIND A DOCTOR Use Aetna’s provider search to pinpoint an in-network provider near you. You can even find out how much specific procedures may cost beforehand!
RECEIVE A BILL FROM YOUR DOCTOR You’ll receive an invoice from your provider after the claim is processed. Tip: Check if the amount on the bill matches the amount reflected on the EOB. If it doesn’t match, call Aetna Concierge or your provider to find out if there is an error.
GO TO YOUR APPOINTMENT Provide your Aetna insurance information to your provider when you arrive so they can submit your claim.
RECEIVE AN EXPLANATION OF BENEFITS (EOB) Aetna will send you an EOB after your visit. The EOB is not a bill. It gives you a heads up about how much your provider charged for services, how much the Plan covered and paid, and the amount you owe.
PAY YOUR BILL You have a couple options for paying your bill. Go to the next page to find out which way would be best for you.
See how to pay for care on the next page
2022 DIGITAL USER GUIDE | PAYING FOR CARE
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USING YOUR BENEFITS
PAYING FOR CARE
You have options when it comes to paying for your care.
Use your HSA Bank card One card, all accounts If you are in the HRA Plan, HSA Bank will use funds from your HRA first, then FSA. If you are in the HSA Plan and have both a Limited Purpose FSA and HSA, it will use FSA funds before your HSA. HSA Bank will send you a card shortly after you enroll.
Pay out of pocket If you use your personal debit or credit card or a check, you can reimburse yourself with HSA, HRA or FSA funds (if available) via HSA Bank’s website, mobile app or reimbursement form.
DID YOU KNOW? Use your FSA or HRA for eligible items and keep your receipts! If your expenses cost more than $100, you may have to show proof the funds were used for eligible healthcare expenses. If you have an HSA, receipts may be required in the event you are audited by the IRS.
2022 DIGITAL USER GUIDE | SHOPPING FOR CARE
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USING YOUR BENEFITS
SHOPPING FOR CARE Making a wise and thrifty choice has never been so easy.
Aetna makes it easy to compare costs between in-network doctors or clinics. A little research beforehand can save you loads of money.
GET STARTED
Go to Aetna’s website > Find Care and Pricing MAKE AN INFORMED DECISION ABOUT YOUR NEXT SURGERY HRA Plan and HSA Plan members are required to talk with Surgical Decision Support (SDS) through Your Medical Ally to avoid a penalty. Afterward, the penalty is waived, and you may be eligible for a $400 gift card! If your doctor recommends elective lower back surgery, hip or knee replacement, weight loss surgery or a hysterectomy, you are required to enroll in SDS 30 days before your surgery. Take a look at page 8 for Your Medical Ally’s contact information.
2022 DIGITAL USER GUIDE | LIFE HACKS
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USING YOUR BENEFITS
7 BENEFIT LIFE HACKS
Here are some easy tips and tricks to get the most out of your Cerner benefits.
DON’T PAY A DIME FOR PREVENTIVE CARE All eligible in-network preventive care is completely covered. That means annual check-ups and certain generic preventive medications don’t cost you anything.
MAKE SOME CASH ON YOUR HSA Once your HSA has more than $1,000, you can invest anything above that amount. And all those earnings — that’s right, they’re tax-free for Federal tax purposes (State tax treatment may vary). You can also save your HSA funds for future expenses, including in retirement.
PHONE IT IN Download Aetna’s mobile app so you can have your ID card handy and can keep track of claims and balances with just a tap. The HSA Bank app also makes getting reimbursed super simple with a receipt scanning feature.
TAKE CARE OF YOURSELF KNOW WHERE TO GO FOR INFORMATION Go to healtheatcerner.com for more information on your benefits!
Cerner offers numerous confidential resources to help support, maintain, and improve your mental health. Check out THRIVE to learn more.
PAY LESS IN PREMIUMS Active associates and their enrolled spouse/domestic partner can earn points (dollars!) in the Healthe Living with Rewards program that apply toward premium reductions. You can also earn up to 500 points toward an HRA or HSA and up to 700 points if you have a spouse/domestic partner on your plan! Participate in the program via Aetna’s ActiveHealth platform.
GET MEDICATIONS COVERED WITH TRIA OR CERNER HEALTHE PHARMACY Some of your medications may be covered at 100%! Check in with Tria or Cerner Healthe Pharmacy first.
MANAGE DIABETES WITH LIVONGO Stop paying for the supplies you need. If you enroll in Livongo, you can get unlimited strips and lancets shipped directly to your door at no cost to you.