Purdue signature

October 12, 2012

Human Resources previews 2013 medical plan changes

Open enrollment for 2013 benefits begins Oct. 29. Faculty and staff will find a variety of medical plan changes when they receive their Enrollment Reference Guide later this month.

At its Friday (Oct. 12) meeting, Purdue's Board of Trustees approved 2013 premiums, higher University health savings account (HSA) contributions for Choice Fund medical plan participants and $10 office visit copays at the future Center for Healthy Living. See the "Board approves premium increases, plan design changes for 2013" article.

Human Resources has now provided a fuller preview of what's coming for next year's Purdue medical plans. Full details and resource information will be included in the Enrollment Reference Guide, on the Purdue Benefits website at www.purdue.edu/benefits and in Purdue Today during the open enrollment period, which runs Oct. 29-Nov. 16. 

Coming for 2013:

* Copays, deductibles and out-of-pocket maximums will increase on all three medical plans.

* A "member pays the difference" rule for prescriptions will go into effect. If a plan participant chooses to use a brand-name prescription drug when a generic drug is available, the participant will pay the difference between the costs of the brand-name drug and the generic drug.

* Retail pharmacy coinsurance will be 25 percent for generics, 35 percent for preferred brand-name drugs and 55 percent for non-preferred brand-name drugs.

* Generic contraceptives approved by the Food and Drug Administration will be covered at 100 percent, as required by the Affordable Care Act.

* Purdue Incentive and Purdue Copay plans will no longer have an individual deductible and individual out-of-pocket maximum embedded within the family deductible. For employees covering one or more dependents, the straight family deductible and family out-of-pocket maximum will apply. This aligns with the Purdue Choice Fund's deductible and out-of-pocket maximum arrangement.

* The HSA contribution limit will increase to $3,250 for employee-only coverage and $6,450 when the employee covers one or more dependents. Employees age 55 or older may contribute $1,000 more.

* Contribution maximums for health care flexible spending accounts (FSAs) and limited purpose FSAs will reduce to $2,500 per account due to the Affordable Care Act.