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). 

August 2022 - WealthCare Saver will replace Avida Bank for our HSA/HRA needs

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

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).

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 fully fund the College's annual 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. 

2021 Recorded Webinar: General Information / My Care Compare  

PowerPoint Presentation: 2022 CDHP General Presentation

OCOPE PowerPoint Presentation: 2023 CDHP Presentation 

2021 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  Summary of Benefits and Coverage  Summary Plan Description 

Employee only 

2022 SBC

2023 SBC

SPD

Employee + Spouse or

Employee + Domestic Partner

2022 SBC

2023 SBC

SPD

Employee + 1 Child or

Employee + Children 

2022 SBC

2023 SBC

SPD

Family 

2022 SBC

2023 SBC

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. Beginning January 1, 2023, Medical Mutual's new national network will be the Cigna PPO network. Toward the end of the year, if you experience a network disruption due to a provider no longer being in-network you will be notified. We expect the impact to be minimal and would like to remind you that continuation of care waivers may be available for those involved in certain forms of active treatment. Directories will be updated starting in fourth quarter 2022 to reflect the change from Aetna Open Choice PPO Network to the Cigna PPO network. At a later date, enrolled employees will receive new identification (ID) cards that show the new national 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

Do you want to see the cost of your prescription under the CDHP plan before you meet your deductible, and price lower cost options?

The Drug Price Comparison Tool links below are available. The default pharmacy will be CVS. There is an option for you to change the pharmacy. If the prescription is a maintenance medication, it will show the 90 day option. 

PRE - Deductible - To estimate the cost under the CDHP plan before you meet your deductible.

POST- Deductible - To estimate the cost under the CDHP plan before after you have met your deductible.

Additional Information and Resources

According to the Centers for Disease Control and Prevention (CDC), one in three Americans will be diagnosed with cancer in their lifetime. But there are things you can do to help lower your risk. Click here to learn about the steps you can take.

Benefits Enrollment Form 2022

Benefits Enrollment Form 2023

Benefits Cancellation Form

HSA Employee Contribution Election Form 2022

HSA Employee Contribution Election Form 2023

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 fully fund the College's annual contribution amount into your HSA account even if you do not contribute your own dollars. You are not required to complete any health prerequisites to receive the contribution.

August 2022 - WealthCare Saver will replace Avida Bank for our HSA/HRA needs

 

 

Employee Only

Employee + Spouse

Employee + Domestic Partner

Employee + 1 Child

Employee + Children 

Family 
2021 $1,000 $1,500 $2,000
2022 $1,500 $2,250 $3,000
2023 $1,000 $1,500 $2,000
2023 OCOPE only  $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