Department of Human Resources

Consumer Driven Health Plan

A CDHP (Consumer Driven Health Plan) is a specific type of high deductible health plan that meets IRS requirements allowing it to be coupled with a tax-advantaged personal Health Savings Account (HSA) to offset qualified health expenses.

All employees will have access to the HSA; however, funding into the HSA is not available under specific circumstances (i.e., enrolled in Medicare). For those ineligible for an HSA, the College will provide the same level of funding through a Health Reimbursement Account (HRA). 

 

As part of the communication and awareness plan, the College is using various mediums to disseminate information about the CDHP plan – which will be the only health plan option available in 2022.

This introductory video is accompanied by several other YouTube videos that have been produced in response to FAQ’s from our institutional community. We encourage everyone to select and watch those videos that are important to them. 

Click here to review the 2022 CDHP Informational Booklet.

Click here for 2022 CDHP Frequently Asked Questions (FAQs).  

Picwell - The College provides all employees access to Picwell. Picwell is an online interactive tool that will help evaluate the benefits available to you and make the best decision with confidence. After asking a few simple questions, Picwell determines your health risk, crunches the numbers for you, and quickly evaluates the benefits available to you. 

Health Savings Accounts (HSA's) provide a tax-advantage method to pay for eligible medical expenses such as deductibles and coinsurance. You own and control the money in your HSA; you decide how and when to use the money to pay for Eligible Medical Expenses or save it for future needs.

Oberlin College will deposit a quarterly contribution amount into your HSA account even if you do not contribute your own dollars. You are not required to complete any requirements for the Oberlin College contribution amounts. 

These HSA dollars can be used to cover 100% of HSA-eligible expenses. If dollars remain at year-end, they roll over for you to use in the future. The HSA account is owned by you and is also portable; you take it with you if you leave the plan or the college.

Employees who participate in the CDHP with HSA plan have the option to fund your HSA account with pre-tax payroll deductions. The Internal Revenue Service sets contribution limits annually for HSA’s. Each calendar year HSA employee contributions are terminated on December 31. You must renew this benefit annually. To fund your HSA through payroll complete our HSA Enrollment Form. 

Customer Service can support you regarding account balances, setup investment options, pay bills, transfer funds and navigation starting My Health Plan regarding the Medical Mutual HSA.

This introductory video is accompanied by several other YouTube videos that have been produced in response to FAQ’s from our institutional community.

We encourage everyone to select and watch the following videos that are important to them. 

The College provides all employees access to Picwell. 

Picwell is an online interactive tool that will help evaluate the benefits available to you and make the best decision with confidence - all in just a few minutes! After asking a few simple questions, Picwell determines your health risk, crunches the numbers for you, and quickly evaluates the benefits available to you. 

Get started now by going to: https://oberlin.picwell.com/

Recorded Webinar: General Information / My Care Compare  

Recorded Webinar: Interactive Online Tool - Picwell 

Recorded Webinar: Medicare (coming soon) 

PowerPoint Presentation: 2022 CDHP General Presentation

PowerPoint Presentation: Medicare and You

Pdf : Informational Booklet 

For a summary, review the Summary of Benefits and Coverage (SBC)

For detailed information, review the Summary Plan Description (SPD)

CDHP with HSA Plan Option  Summary of Benefits and Coverage  Summary Plan Description 
  • Single 
2022 SBC 2022 SPD
  • Employee + Spouse/DP
  • Employee + Child 
  • Employee + Children 
2022 SBC 2022 SPD
  • Family 
2022 SBC 2022 SPD

 

  

Medical Mutual: Visit My Health Plan to register for a secure member website.
  • Find doctors in the network, estimate costs, check claims, receive your Explanation of Benefits (EOB), track deductibles and coinsurance amounts, and more! 
  • To search for a medical facility, physician or specialty physician, search the provider network
  • Our provider network is called SuperMed PPO.
  • For providers outside of Ohio, you will use the Aetna Open Choice PPO network.
  • MySpendingAccounts: To manage your Health Savings Account (HSA) or Health Reimbursement Account (HRA). View balances, transactions, and explore resources and tools including tax savings calculator and self-service center. 
  • My Care Compare: Find cost estimates for services including lab work, office visits and procedures. See quality ratings of doctors and hospitals, watch videos of what to expect by procedure and more! 
CVS Caremark: Visit Caremark.com to register for a secure member website.
  • Find in network pharmacy providers. 
  • Drug Price Comparison Tool: Use this tool to help you check the cost of your medications.
  • Retail vs. Mail Order: You can check the price difference between having your medications delivered or picking them up at the pharmacy. Also compare pharmacy costs.
  • Generic Drugs: When available, changing to a generic version can save you money.
  • View the 2021 Preferred Drug List
  • No Cost Preventive Drugs: CVS Caremark provides certain preventive service benefits at no cost to you even if you have not met your deductible. To view the preventive drug list, click here. 
  • Track your deductibles and out-of-pocket maximums

Download the Mobile App for free now from the Apple App Store or Google Play by searching MedMutual and/or CVS Caremark

Additional Information and Resources

Benefits Enrollment Form

Benefits Cancellation Form

2021 HSA Employee Contribution Election Form

2022 HSA Employee Contribution Election Form 

Medical Mutual HSA Authorization Form

Spousal Coordination of Benefits Form - A spouse/domestic partner of an Oberlin College employee is required to participate in his/her employer sponsored health care plan if: the spouse/domestic partner has access to continuous group health coverage through his/her employment, and the employer contributes at least 50 percent of the premium. If these conditions are met, the spouse/domestic partner must enroll in his/her employer’s health care plan. 

 

Oberlin College will deposit a quarterly contribution amount into into your HSA account even if you do not contribute your own dollars.

When? Oberlin will make four (4) equal quarterly deposits into your HSA account, in January, April, July, and October. 

You are not required to complete any health prerequisites to receive the contribution.

 

 

Employee Only

Employee + Spouse/Domestic Partner

- OR -

Employee + Child(ren) 

Family Plan 
2021 $1,000 $1,500 $2,000
2022 $1,500 $2,250 $3,000

 

Customer Service can support you regarding account balances, setup investment options, pay bills, transfer funds and navigation starting My Health Plan regarding the Medical Mutual HSA.

Medical Mutual Customer Support for inquires: (800) 522-2037 M-F 7:30 a.m. - 6:00 p.m.  

MySpendingAccounts@MedMutual.com

Oberlin College Department of Human Resources: (440) 775-8430

Human.Resources@oberlin.edu