Open Enrollment – YP4H Incentive Program - Human Resources at Ohio State
2018 Open Enrollment
November 1-14, 2017
YP4H Incentive Program
Your Plan for Health
Your Plan for Health (YP4H), Ohio State’s employee wellness program, provides you with resources to help you thrive in the workplace and at home. In January 2018, an enhanced YP4H program will be available, powered by new vendor partner, Virgin Pulse. The new online portal and mobile app will provide:
- Habit-based tracking and ways to personalize your program in the areas where you would most like to focus, including physical activity, nutrition, sleep, stress management, finances, relationships and resiliency.
- A greater variety of opportunities to earn points.
- Healthy living programs and challenges, university-wide and on an individual level.
- Helpful wellness tips that motivate and encourage you to learn more about making healthy choices.
- Compatibility with a variety of fitness devices for automated tracking.
A redesigned YP4H Incentive Program will also launch in 2018 with a new points structure and a variety of rewards. You will have access to motivational resources and a way to easily accumulate and track points for the healthy choices you make every day. As you start or continue your wellness journey, you can earn incentives for your preferred activities that improve health and well-being.
During the program year (January through December), participants have many opportunities to earn points every day, which can quickly accumulate to help you complete up to four incentive levels. Rewards for those enrolled in a medical plan include premium credit, Health Reimbursement Account (HRA) credits, and PulseCash. Employees who are eligible for Ohio State benefits but not enrolled in an Ohio State medical plan are eligible to earn PulseCash.
Enrolled faculty or staff can receive $20/month premium credit, or up to $30 with an enrolled spouse/same-sex domestic partner, by completing the PHA with biometrics. To earn the full premium credit for 2018, complete the PHA with biometrics by November 30, 2017.
|Action step||Faculty/staff enrolled in an Ohio State medical plan||Spouses/Same-Sex Domestic Partners enrolled in an Ohio State medical plan||Eligible for Ohio State benefits, but not enrolled in a medical plan|
|Completion of Personal Health and Well-being Assessment and Biometric Screening||$20/month premium credit||$10/month Premium credit||No direct reward|
The new program will provide many more ways to earn points and will go beyond physical wellness by helping us focus on healthy, long-lasting behavior changes in areas like nutrition, sleep, stress management, finances, relationships and resiliency. You can customize your program experience based on your personal interests.
|Action step||Faculty/staff enrolled in an Ohio State medical plan||Spouses/Same-Sex Domestic Partners enrolled in an Ohio State medical plan1||Eligible for Ohio State benefits, but not enrolled in a medical plan|
|Level 1||$50 HRA||$50 HRA||No direct reward|
|Level 2||$75 HRA
|Level 3||$125 HRA
|Level 4||$60 PulseCash||$60 PulseCash||$60 PulseCash|
Enrolled faculty or staff can receive $20/month premium credit, or up to $30 with an enrolled spouse/same-sex domestic partner, if you each complete the Personal Health and Well-being Assessment (PHA) and a biometric screening. The screening can be with your primary care provider or at an on-campus event. To earn the full premium credit for 2018, complete the PHA and biometrics by November 30, 2017.
An HRA is an employer-funded account from which you can be reimbursed tax-free* for eligible heath care expenses. Faculty and staff enrolled in an Ohio State medical plan will be able to earn HRA credits after completing a variety of wellness activities as part of the YP4H Incentive Program. HRA credits can be used to pay for expenses such as copayments, deductibles and coinsurance.
In 2018, enrolled participants will be able to earn up to $250 in HRA credits. Another $250 can be earned by your enrolled spouse or same-sex domestic partner. If you do not use all of your HRA credits in 2018, they will roll over to the following year and you can use them to pay for future health care costs while enrolled in Ohio State’s Faculty and Staff Health Plans.
HRA vs. Health Care FSA – What is the Difference?
An HRA is similar to a Health Care Flexible Spending Account (FSA), you are eligible to have both an HRA and a Health Care FSA to pay for qualified health care expenses with tax-free dollars. However, they are separate accounts and it is important to understand the differences when using them.
|Question/Topic||Health Care FSA||HRA|
|What is it?||An account that can be used to pay for eligible health care expenses, as defined by the IRS.||An account that can be used to pay for eligible health care expenses, as defined by the IRS.|
|Who can contribute?||Only employees contribute to Health Care FSAs under Ohio State’s program.||Only the employer can contribute to an HRA.|
|How do I get an account?||You can sign up for a Health Care FSA during Open Enrollment.||In 2018, once you complete level one in the YP4H Incentive Program, an HRA will be opened for you and funded with your first credit amount. Additional HRA funding is also available when you complete subsequent levels and when your enrolled spouse/SSDP complete any of these incentive levels.|
|Do I need to be enrolled in an Ohio State medical plan to use this account?||No||Yes|
|Is there a limit on how much can be put in the account?||Yes, the IRS limits how much you can put into an FSA each year. Your contributions can range from $100 to $2,600 per year.||In 2018, you can earn up to $250 in HRA funding, and your enrolled spouse/SSDP can earn an additional $250.|
|Can I save unused contributions to use in future years?||No. You must incur eligible expenses to be reimbursed from your 2018 FSA during the period of January 1, 2018 through March 15, 2019. Any remaining funds after that time period will be forfeited.||Yes. Any unused HRA funds will roll over to the next year.|
|Can I cash out my account for anything other than eligible health care expenses?||No||No|
|How do I get reimbursed for eligible health care expenses?||You can use your Health Care Debit Card when you are paying for expenses at the point of service. Be sure to keep your receipts in case they are requested later to verify the claim. You may also submit reimbursement requests from your smart phone or computer, along with verification of the expense.||You can use your Health Care Debit Card when you are paying for expenses at the point of service. Be sure to keep your receipts in case they are requested later to verify the claim. You may also submit reimbursement requests from your smart phone or computer, along with verification of the expense.|
|Can I choose the account from which I want to be reimbursed?||No, Health Care FSA funds will always be used first to reimburse eligible health care expenses because those funds are not eligible to be rolled over to the following year. Once any Health Care FSA funds are exhausted, you may begin to access HRA funds.||No, available HRA funds can be used to reimburse eligible health care expenses only after your Health Care FSA funds have been exhausted. Unused funds at the end of the year are eligible to be rolled over as long as you continue to be enrolled in an Ohio State medical plan.|
|What happens if I terminate my Ohio State medical coverage and I have funds remaining in my account?||Funds in your Health Care FSA continue to be available for reimbursement of eligible health care expenses incurred prior to your date of termination. Unreimbursed funds in your FSA after your termination date remain with Ohio State unless you elect COBRA FSA coverage.||Unused credits in your HRA will continue to be available until the filing deadline only for reimbursement of eligible health care expenses incurred prior to the date your Ohio State medical plan terminates. Unreimbursed credits in your HRA after your medical plan termination date remain with Ohio State unless you elect COBRA medical coverage.|
*There are tax consequences for non-dependent same-sex domestic partners.
New in 2018, participants can earn up to $100 in PulseCash. PulseCash* is available for you to redeem in the Virgin Pulse online store to purchase health and wellness items, such as fitness tracking devices and gift cards, or to donate to a variety of charitable organizations.
*PulseCash is subject to taxation at the time it is earned.
Personal Health & Well-Being Assessment (PHA) FAQ
By completing the PHA with biometrics by November 30, 2017, benefits-enrolled faculty and staff and their spouses will earn the full 2018 premium credit of $240 for employees and $120 for spouses. Benefits-enrolled faculty and staff will also earn 2017 HRA credits and pro-rated 2017 premium credits for completing the PHA in 2017.
Benefits-enrolled faculty, staff and their enrolled spouses are eligible to earn up to a combined $360 in premium credits upon completing their PHA and biometric screening in 2018. Faculty and staff who are not enrolled in an Ohio State medical plan but eligible to participate in YP4H can earn alternative rewards for completing a PHA in 2018. (see details above)
In January 2018, an enhanced YP4H program will be available, powered by new vendor partner, Virgin Pulse. More information about the PHA will be available at the end of 2017 and beginning of 2018.
No. You will have access to all available medical plans for 2018.
No. HRA credits are non-taxable.