MY CHOICE REWARDS

2016

BENEFITS OPEN ENROLLMENT Newsletter

Open Enrollment is Monday, Nov. 9 - Monday, Nov. 23

Inside this Newsletter

MY CHOICE REWARDS In 2016, My Choice Rewards continues to give you more choices! Last year, My Choice Rewards was introduced as a way to give you more flexibility – more choice – in the way you craft your benefits package. For 2016, Henry Ford Health System has expanded the offerings to further accommodate the changing needs of an evolving workforce – all while keeping the cost competitive. My Choice Rewards Open Enrollment begins on Monday, Nov. 9 and runs through Monday, Nov. 23. All benefits-eligible employees, including those who have no changes to their benefits are encouraged to review their benefits online at https://workforceconnect.hfhs.org.

YOU MUST GO ONLINE AND ENROLL IF: • You want to choose a different plan or option. • You want to update your dependents. • You participate in a Flexible Spending Account. • You participate in a Health Savings Account. • You cover your spouse on a Henry Ford medical plan. You must complete an online Spouse Verification Form every year or you will be assessed a surcharge. • If you’re currently enrolled in the Delta EPO and do not select a new dental option, you will be defaulted into the Delta Basic Premier PPO option for all of 2016. • If you’re currently enrolled in the HAP Point of Service and do not select a new medical option, you will be defaulted into the HFHS Preferred Network HMO option for all of 2016.

1 2016 MY CHOICE REWARDS

The Enrollment Experience . . . . . . . . . . . . . . . . . . . 3 Keeping Benefits Affordable Consumer-Driven Health Plans (CDHP). . . . . . . . . . . 4 Health Savings Account . . . . . . . . . . . . . . . . . . . . . . . 4 Medical Plan Employee Contributions. . . . . . . . . . . 6 Standalone Vision Option. . . . . . . . . . . . . . . . . . . . . . 6 Dental Plan Employee Contributions. . . . . . . . . . . . . 7 Other Benefit Updates for 2016. . . . . . . . . . . . . . . . . 7 Special Medical Credit. . . . . . . . . . . . . . . . . . . . . . . . . 8 Flexible Spending Accounts. . . . . . . . . . . . . . . . . . . . 8 Health Engagement Achieve . . . . . . . . . . . . . . . . . . 10 MyChart Simplifies Health Engagement. . . . . . . . . 12 Voluntary Benefits Program. . . . . . . . . . . . . . . . . . . 14 Dependent Enrollment and Documentation. . . . . . 14 An Enhanced Work/Life Suite of Services . . . . . . . 15 Choosing Henry Ford . . . . . . . . . . . . . . . . . . . . . . . . 16 Additional Options with HAP . . . . . . . . . . . . . . . . . . 18 Making Your Choices. . . . . . . . . . . . . . . . . . . . . . . . . 19 2016 Checklist for Open Enrollment . . . . . . . . . . . . 19 How to Enroll . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20

Acronym Dictionary for 2016 Benefits CDHP: A Consumer-Driven Health Plan is sometimes referred to as a Consumer-Directed Health Plan or Qualified High Deductible Health Plan. The terms are interchangeable and refer to the same kind of plan. A CDHP is a health plan that has higher deductibles and lower employee contributions. The plan requires a member to reach their deductible before any benefits are paid by the plan.

EOI:

Evidence of Insurability

FSA:

Flexible Savings Account, available for health care or dependent care

HA:

Health Assessment (part of Health Engagement and formerly identified as Health Risk Assessment)

HAP:

Health Alliance Plan (www.hap.org)

HFPN: Henry Ford Physician Network (www.henryfordphysiciannetwork.com) HSA:

Health Savings Account (available with the Consumer-Driven Health Plans)

MQF:

Member Qualification Form (part of Health Engagement)

PCP:

Primary Care Physician

BENEFIT TIPS

Optimizing Your Benefits contains technical information to help you make the most of your HFHS Rewards.

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You’ll find two types of “tips” throughout this newsletter: Optimizing Your Benefits and Healthy Choices.

Healthy Choices provides information and resources for you and your family as you strive to have a healthy 2016.

2016 MY CHOICE REWARDS

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The Enrollment Experience

When: Open Enrollment is Monday, Nov. 9 through Monday, Nov. 23, 2015. Benefit selections made during this time are effective Jan. 1, 2016. Where: Enroll online at https://workforceconnect.hfhs.org. Log on to make your 2016 benefit choices, designate beneficiaries, calculate Flexible Spending Account (FSA) or Health Savings Account (HSA) data, access current credits and costs, reference provider directories and links to insurance carriers.

Resources: •

The information and enrollment website – www.henryfordconnect.com/MyChoicerewards makes getting information about and participating in Open Enrollment easier than ever. The website on HR Connect contains everything employees need to know about My Choice Rewards options and Open Enrollment including the workbook, this newsletter and other resources like links to online tools on topics such as HSAs. To get to the website go to www.henryfordconnect.com/mychoicerewards.

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The 2016 Benefits Enrollment Workbook contains detailed 2016 benefits information and is available at www.henryfordconnect.com/MyChoiceRewards once Open Enrollment begins on Monday, Nov. 9. Review the workbook and refer to it to help you make informed benefits choices.

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Workbooks, newsletters and personal enrollment summaries will not be mailed to employee homes.

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Access your Personal Enrollment Summary showing your current benefits for 2015 when Open Enrollment begins on Nov. 9 at https://workforceconnect.hfhs.org.

•

Alex is back – the interactive decision-making tool to help employees decide what benefits are the best choice for their families and themselves.

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At-a-glance summaries – make it easy to verify the benefits chosen and make sure nothing was overlooked.

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Electronic submission of documentation – required for newly added dependents to the medical and/or dental plans. Employees can upload documentation online during the enrollment process.

•

If you still have questions after reviewing the key messages, newsletter and workbook, employees can contact Employee Services at [email protected] or 855-874-7100 or use the Chat Line.

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For questions about Health Engagement, call HAP Client Services at 888-819-2540.

After you enroll: •

Temporary confirmation statements should be printed after online elections are submitted. Your final confirmation statement will be available the week of Monday, Dec. 14 on Employee Self Service.

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Key Dates and Resources _____________________________________

Review your first paycheck of the New Year – Friday, Jan. 15, 2016, to verify elections and contributions. If you have questions, contact Employee Services at [email protected] or 855-874-7100.

Keeping Benefits Affordable _____________________________________ HFHS is committed to providing affordable, highly competitive benefits. Employee contributions continue to be below local and national rates for medical benefits. For example, employees enrolled in the HFHS Preferred Medical option pay about 20 percent of the cost of coverage compared with 23 to 30 percent nationally.

Consumer Driven Health Plans (CDHP) HFHS introduced a CDHP last year. The plan has a lower employee contribution but higher deductibles. Two new CDHP options are available for 2016 – a CDHP Basic Full HAP option and a CDHP Comprehensive Full HAP option. CDHP Basic Full HAP – This plan provides catastrophic care only. This New plan protects you from worst-case scenarios like serious accidents or illnesses. While the employee contribution is low, the deductible is $4,500 for an individual and $9,000 for family (2 or more individuals). Employees must pay the full cost of their medical services, including prescription drugs, until the deductible has been reached. Preventive care is covered at 100% and the deductible does not apply. New: CDHP Comprehensive Full HAP – Employees who choose this New option will pay less than the Full HAP HMO option depending on their level of coverage (single, two-person or family.) Employees choosing this option may choose any provider within the HAP network. Employees must pay the full cost of their medical services, including prescription drugs, until the deductible has been reached. The deductible is $1,300 for an individual and $2,600 for family (2 or more individuals). Preventive care is covered at 100% and the deductible does not apply. CDHP Comprehensive HFHS Preferred Network (formerly HAP CDHP HMO) – The collaboration of the Henry Ford Physician Network (HFPN) with HFHS employees in providing quality care is translating into better health outcomes and lower costs. As a result, employees currently enrolled in this option as well as the HFHS Preferred Network HMO option will not have

an increase in their contributions for 2016. By continuing to leverage the Medical Group and HFPN to improve health outcomes, the strategy is HFHS will be the leader in value-based health care in southeastern Michigan. This will help further stabilize employee contributions for health coverage in the years ahead. Employees choosing this option are required to use HFHS Preferred Network providers. Employees must pay the full cost of their medical services, including prescription drugs, until the deductible has been reached. The deductible is $1,300 for an individual and $2,600 for family (2 or more individuals). Preventive care is covered at 100% and the deductible does not apply.

Healthcare Saving Accounts All CDHP plans offer a Henry Ford-funded Health Savings Account (HSA). HSAs offer flexibility when it comes to planning for medical costs now and in the future. •

For employees who enroll in the CDHP Comprehensive HFHS Preferred Network (formerly HAP CDHP HMO) or CDHP Comprehensive Full HAP options, Henry Ford will contribute $500 (single), $750 (two people) or $1,000 (family) to the HSA by Jan. 4, 2016 which can be used toward the deductible. Employees enrolled in the CDHP Basic Full HAP are eligible to receive $250 regardless of coverage level.

•

New this year, $250 of the HFHS-funded HSA money (amounts listed above) will be tied to completing an online Health Assessment. HFHS is incorporating a wellness component to the CDHP options that was communicated last year. Employees who are or will enroll in a CDHP option and who complete the Health Assessment now through Nov. 23 will have the entire amount available on Jan. 4. Those who complete the Health Assessment between Nov. 24 and March 31 will have the $250 deposited by April 22.

•

Employees also may contribute to their HSA using pre-tax dollars. The annual limit combining the Henry Ford and employee contributions is $3,350 for an individual or $6,750 for a family (2 or more individuals). Employees age 55 and older may contribute an additional $1,000 over the maximum amounts listed above.

2016 MY CHOICE REWARDS

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HSA funds roll over from year to year and the benefit is portable between employers and even into retirement. This makes it a good way to save for future medical costs in retirement. In addition to saving for retirement, there are opportunities to invest your HSA contributions.

As mentioned previously, the collaboration of the Henry Ford Physician Network (HFPN) with HFHS employees in providing quality care is translating into better health outcomes and lower costs. As a result, employees currently enrolled in the HFHS Preferred Network HMO (as well as the CDHP HFHS Preferred Network option) will not have an increase in their contributions for 2016.

•

If you participate in one of the CDHPs with an HSA you cannot enroll in the Health Care Flexible Spending Account (FSA). You are still eligible for the Dependent Care FSA.

•

There are eligibility requirements to participate in the HSA.

Employees enrolled in the Full HAP HMO option will see their employee contributions increase per pay between $13.52 and $35.16 depending on the level of coverage.

•

New hires, benefit status changes and midyear events after Jan. 1 will have the employer contribution prorated.

The following co-pays have increased for employees in the HFHS Preferred Network and Full HAP HMO options:

No Increase to employee contributions for HFHS Preferred Network Plans in 2016.

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HFHS Preferred Network and Full HAP HMO options

To learn more about Health Savings Accounts, attend one of three Webinars that have been scheduled on:

• Thursday, Oct. 29 from 9 to 10 a.m. • Friday, Nov. 13 from 9 to 10 a.m. • Thursday, Nov. 19 from noon to 1 p.m. Register now at www.henryfordconnect. com/mychoicerewards. You will need to provide your first and last name as well as your email address.

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For employees in the Enhanced Plan of Health Engagement, the ER co-pay increases to $200 ($150 at an HFHS facility).

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For employees in the Standard Plan of Health Engagement, the PCP co-pay increases to $45 and the ER co-pay increases to $300 ($250 at an HFHS facility).

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A Specialty Drug co-pay of $100 will be effective for both the Enhanced and Standard Plans of Health Engagement in the HFHS Preferred Network and Full HAP HMO options.

•

All other co-pays within each plan remain the same.

EMPLOYEE MEDICAL CONTRIBUTIONS PER PAY STATUS



Coverage Levels

CDHP Basic Full HAP*

Single

CDHP Comprehensive HFHS Preferred Network*

CDHP HFHS Comprehensive Preferred Full HAP* Network HMO

Full HAP HMO

Community Manulife Blue (Canadian) PPO

$22.16

$31.16

$59.54

$47.06 $82.73 $206.49 $30.42

Full-Time** Two Person

$63.36

$53.28

$132.78

$105.23 $186.64 $496.83 $66.67



Family

$73.93

$65.33

$151.68

$118.20 $210.59 $646.06 $77.06

Single

$64.62

$62.08

$83.79

$77.98 $113.33 $235.48 $41.96

Two Part-Time Person

$133.67

$124.81

$172.11

$176.76 $383.23 $670.33 $111.21



$149.95

$146.55

$202.15

$199.43 $448.28 $855.42 $134.75

$35.46

$49.86

$95.26

$75.29 $132.37 $297.74 N/A

$101.37

$85.25

$212.45

$168.36 $298.62 $750.12

N/A

$118.29

$104.52

$242.69

$189.12 $336.94 $943.98

N/A

$197.26 $217.90 N/A

N/A

$269.38 $297.56 $450.13

N/A

Family

Single Highly Compensated Two ($265,000+) Person

Family

Sponsored Dependent Cost

With Medicare

N/A

N/A

N/A

Without Medicare

$182.40

$225.48

$251.48

* Health Savings Account is available * * Price tags minus flex credits

Other benefit plans

Vision

•

•

Vision is included in all of the System’s medical options.

•

A HAP Standalone Vision option is available to employees who do not elect medical coverage offered by HFHS. Employees enrolled in the HAP Standalone Vision option will not see an increase in their contributions.

As was announced last year, the HAP Point of Service option will be discontinued in 2016. Employees currently enrolled in this option who do not go online and make a new medical election during Open Enrollment will be defaulted into the HFHS Preferred Network HMO option for all of 2016.

•

Employees enrolled in the Community Blue PPO option can expect to see their contributions increase per pay between $30.97 and $92.91 depending on level of coverage.

•

Employees enrolled in Manulife, an option available only to Canadian employees, will not see an increase in their contributions.

2016 MY CHOICE REWARDS

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Delta Dental Coverage for 2016 _____________________________________

Other Benefit Updates for 2016 _____________________________________

Just like medical coverage, you may change your dental coverage each year. There are two plans to choose from through Delta Dental. For the lowest out-ofpocket cost, choose a PPO provider. An online directory of participating dentists is available at http://henryfordconnect.com/dentalplan.

Spouse surcharge

Delta Basic Premier PPO (Delta Basic) •

Employees enrolled in this plan will not have an increase in their contributions.

Delta Comprehensive Premier PPO (Delta Comprehensive) •

Full time employees enrolled in this option can expect an increase in their contribution ranging from an additional $2.58 to $8.55 per pay depending on level of coverage; part-time employees will see an additional $5.15 to $17.08 per pay depending on level of coverage.

EMPLOYEE DENTAL CONTRIBUTIONS PER PAY Delta Basic Premier PPO

Delta Comprehensive Premier PPO

Single

$2.91

$19.59

Two Person

$5.03

$38.64



Family

$8.01

$71.31



Single

$9.94

$24.47

Part-Time

Two Person

$18.74

$45.75



Family

$33.32

$82.18

STATUS

Full-Time*

Coverage Levels

* Price tags minus flex credits

The Delta Care EPO is not available in 2016. If you do not make a new election during Open Enrollment, you will be defaulted to the Delta Basic Premier PPO option for all of 2016.

7 2016 MY CHOICE REWARDS

If you cover a spouse on your HFHS-provided medical plan, every year you must complete the online surcharge form or you will be assessed a per pay surcharge. This surcharge is in addition to the employee’s per pay contribution for medical coverage and is only applied if your spouse has access to medical cover through their employer but you choose to cover him or her on your plan through HFHS. Other dependents covered on your medical plan are not affected by this surcharge. If you cover your spouse on your medical plan and you do not compete the online verification form, the surcharge will be applied. Random audits will be conducted and ineligible spouses will be removed. Falsification may result in disciplinary action, which could include termination.

Same sex domestic partner benefits will be discontinued in 2017 On June 26, 2015 the U.S. Supreme Court ruled that same-sex marriage is a right nationwide. Henry Ford Health System will continue to offer unmarried samesex domestic partners the opportunity to enroll in benefits during Open Enrollment for 2016 and maintain coverage through Dec. 31, 2016. Effective Jan. 1, 2017, unmarried same-sex domestic partners will be required to be legally married in order to continue to receive benefits. Unmarried same-sex domestic partners covered on the System’s medical/ vision and/or dental plans will continue to have imputed income added to their pay check every pay. The amounts of imputed income will be $228 per pay for medical coverage and $4 per pay for dental coverage regardless of the option selected. For same-sex domestic partners who have legally married and cover their spouse on their benefits, you must upload a copy of your marriage certificate through the online enrollment portal during Open Enrollment. If your spouse is eligible for coverage through their nonHFHS employer, the spouse surcharge (see above) of $46.15 pre-tax will be assessed.

Highly compensated contributions Highly compensated employees continue to pay more for their medical coverage. A “highly compensated” employee earns a base annual salary of $265,000 or more. The salary is based on the 2015 Annual Compensation Limit as defined by the Internal Revenue Service and is adjusted annually. A highly compensated employee’s contribution is 60 percent higher than the contribution of other employees.

For employee only coverage the credit is $32.30 per pay ($70 per month). For two-person coverage, the credit is $64.62 per pay ($140 per month) For family coverage, the credit is $85.85 per pay ($186 per month). The Special Medical Credit application is available now at www.henryfordconnect.com/MyChoiceRewards. The deadline for submitting an application is Monday, Dec. 7, 2015.

Our Commitment to Affordability ____________________________________ The Special Medical Credit, Flexible Spending Accounts and Health Savings Account may help you save money.

Special Medical Credit

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Employees may apply for the Special Medical Credit, which is available for single, two-person and family households. The credit is available to full-time employees who enroll in the HFHS Preferred Network or Full HAP options only. Eligibility for the credit is based on the total family income as indicated on the most recently filed 1040 tax return and the number of dependents indicated on that tax return. Please refer to chart.

If you plan to contribute to an HSA in 2016 and you currently are enrolled in the health care FSA for 2015, be sure that the balance of your health care FSA is $0 on Dec. 19, 2015 in order for you to contribute and receive the employer funding to your HSA on Jan. 4, 2016. If your health care FSA balance is $0 on Dec. 31, you can expect to receive your contributions and the employer funding on Jan. 15. If your health care FSA balance is not $0 on Dec. 31, your contributions and the employer funded portion will be deposited on payday Friday, April 8, 2016.

SPECIAL MEDICAL CREDIT INCOME GUIDELINES

Family Size*

1040 Earnings**

1

$23,540

2

$31,860

3

$40.180

4

$48,500

5

$56,820

6

$65,140

7

$73,460



8+ $81,780

* Based on the number of exemptions (you, spouse, dependents) reported on your most recent federal tax return under “family size.” ** Based on the total family income amount indicated on your federal income tax Form 1040 or form 1040 EZ.

Flexible Spending Accounts _____________________________________ Flexible Spending Accounts (FSA) allow employees to pay for eligible out-of-pocket health care and dependent care expenses with pre-tax dollars. By using pre-tax dollars to pay for these expenses, a FSA reduces the amount of taxes you would otherwise pay on that money. Depending on your tax rate, this reduction could be 20 to 40 percent. FSA funds not used by the end of the grace period are forfeited. Calculate your projected expenses carefully to determine how much you wish to contribute to your FSA. If you have a health care FSA in 2015, you have until March 15, 2016 to incur eligible expenses and receive reimbursement from your 2015 health care FSA. During this period you may continue to use your debit card to reduce your 2015 account balance.

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Remember, all health care FSA participants are required to keep copies of their receipts even when using the Health Care FSA card. The IRS requires Health Care FSA participants to substantiate claims with documentation. This documentation must detail the healthcare expenses and include 5 key data points:

Health Care FSA (Flexible Savings Account) and HSA (Health Savings Account) A side-by-side comparison

Description

FSA

Use it to pay for medical expenses before you meet the deductible for your Consumer-Driven Health Plan (CDHP)

HSA

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•

Name of the provider

•

Name of the patient

•

Description of services

Use it to pay for a variety of eligible health and medical expenses (including dental expenses).

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•

Date(s) of service. The paid date may or may not be the same as the date of service; the date of service is required.

You must use it by the end of the year or first quarter of the new year or forfeit the remaining funds.

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The cost of the service.

Rolls over from year to year.

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You could be required to provide documentation of services received if the amount swiped does not match an existing co-pay for that service.

You can take it with you change employers or retire.

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HealthEquity, the vendor that administers FSAs, is more rigorous in reviewing and processing claims. This is good for Henry Ford Health System and you from an IRS compliance perspective and any audits that could occur.

Make contributions with pre-tax dollars.

•

If you have a dependent care FSA, you have until Dec. 31, 2015 to incur eligible expenses and receive reimbursement from your dependent care account. Expenses from your dependent care account must be submitted to Health Equity no later than Jan. 31, 2016.

You can invest the funds in your account. Employees can contribute a maximum of $2,550 annually.

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Employee and employer together may contribute $3,350 to $6,750 depending on family status (individual/family).

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Catch-up contributions up to an additional $1,000 for employees age 55+. All funds available beginning Jan. 1, 2016.

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The limit for the Health Care FSA will remain at $2,550 and the limit for Dependent Care FSA will remain at $5,000.

Only funds that have already been deposited into the account are available.

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As noted earlier, employees cannot participate in a Health Care Flexible Spending Account if they are enrolled in a Consumer Driven Health Plan (CDHP) with a Health Care Savings Account (HSA) but may continue to participate in the Dependent Care FSA.

HFHS contributes funds to the account at the beginning of the benefit year for 2016.

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Designed to be used with the CDHP plans.

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Dependent Care FSA You can also elect to contribute up to $5,000 annually for a dependent care flexible spending account. This pre-tax account will help defray the cost of care for children and other dependents. Detailed information can be found in the My Choice Reward Benefits Enrollment Workbook.

Can be used with any health plan except CDHPs.

Flexible Spending Account Savings How much can you save?

Income without FSA Annual Salary

Income with FSA $35,000

Annual Salary

$35,000

Federal Income Tax

-5,250

Health Care FSA -2,500 _______

State Income Tax

-1,050

Taxable Income

$32,500

Social Security Tax -2,678 _______ Net Income $26,022

Federal Income Tax

Medical Expenses

Social Security Tax -2,503 _______ Spendable income $24,147 ________ ________

-2,500

Spendable Income $23,522 ________ ________

State Income Tax

Annual Savings with FSA = $625 9 2016 MY CHOICE REWARDS

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-4,875 -975

Health Engagement is available to all employees and their covered spouses or same-sex domestic partners who select the HFHS Preferred Network or Full HAP HMO options for 2016. Employees and their spouses or same-sex domestic partner must qualify for the Enhanced plan every year. To qualify, complete the Health Assessment and Member Qualification form. HAP has changed vendors for the online Health Assessment. The new program, powered by WebMD, will require a quick registration process the first time it is used. The new assessment has several advantages: •

It is shorter than the former assessment and takes only about 10 minutes for most individuals to complete.

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It is accessible from all devices.

•

You can take each part of the assessment separately, logging in and out as often as you like.

•

You can review your answers before submitting.

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All HFHS employees can access the Health Assessment. Non-HAP members simply navigate to a different page.

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You get to the assessment the same as always – by going to www.HAP.org.

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Our Commitment to Health and Wellness – Health Engagement ___________________________________

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Quitting tobacco can save your health, your looks, and your money. A pack of cigarettes costs $6.95 in Michigan – at a pack a day, that’s over $2,500 a year. Quit today and start planning your new wardrobe, dream vacation, or earlier (and healthier) retirement. To get started, consult the Employee Wellness Resource Guide at www.henryfordconnect.com/wellness and click on Smoking Cessation to find a program that’s right for you. HAP is committed to helping you achieve your best health. If you are not able to achieve the points required to qualify for the Enhanced Plan, you might qualify for an opportunity to earn the same points by different means. HAP Client Services Specialists are available to help you. They will also work with your doctor, if you wish to find a wellness program option with the same points that is right for you, such as a smoking cessation or weight loss program. Please call Client Services toll-free at 888-819-2540 to find out what’s available for you.

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Did you get all “A”s on your 2015 MQF? Employees and their spouses/same-sex domestic partners who received all “A”s on their MQFs when qualifying for 2015 have earned a free pass for 2016 only and are not required to complete an MQF. If you qualify for the free pass, it will be indicated on your MQF.

Health Engagement Qualification for New Hires and Mid-Year Life Events •

Employees and their spouses/same-sex domestic partners who were hired after Jan. 1, 2015, and were automatically placed in the Enhanced plan must meet the qualifications for 2016.

If you or your spouse/same-sex domestic partner received the free pass last year, you are required to complete your MQF during the Health Engagement Achieve qualification period to qualify for the Enhanced plan.

•

A spouse/same-sex domestic partner who was added to your medical coverage due to a mid-year life event in 2015 is required to qualify for the Enhanced plan in 2016.

For covered couples, if one spouse/same-sex domestic partner did not receive all “A”s in 2015, that individual is required to complete the MQF during the qualification period. The spouse/same-sex domestic partner who received all “A”s has earned a free pass for 2016 only and is not required complete the MQF.

Early Bird Qualification

All who want to qualify for the Enhanced plan must also complete the online HA. Everyone is encouraged to keep up their commitment to a healthy lifestyle.

Employees who are already enrolled in the HFHS Preferred Network or Full HAP options may begin qualifying for Health Engagement now. Here’s how to qualify early: See Page 13 regarding improvements to qualify using MyChart. Complete your MQF. The MQF is available at www.hap.org.

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Complete your HA. The HA is available at www.hap.org.

The hardest health behaviors to change are often those that impact body weight. If maintaining a healthy weight is a challenge for you, take advantage of one of the many weight-loss resources available through HFHS. Your PCP may be able to provide one-on-one assistance, or consult the Employee Wellness Resource Guide at www.henryfordconnect.com/ wellness and click on Weight Management to find a program that’s right for you. Programs include medically supervised weight loss, Weight Watchers® at Work, and programs to help you change your eating habits.

11 MYMY CHOICE REWARDS 11 2016 2015 CHOICE REWARDS

Health Engagement (cont’d) Most employees are at Level 3 of Health Engagement. To qualify for 2016, you are required to: •

Be up-to-date/scheduled for preventive screenings

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Be a non-tobacco user

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Have a BMI of