Special Benefit Considerations during COVID-19

Please be aware of these benefit improvements and additions, including telemedicine, telecounseling, and financial assistance, now available to Cornell benefits-eligible employees.

 

Employee Assistance

 

eni Confidential Counseling Services – 1-800-327-2255 – provides services at no cost for up to three visits to benefits eligible employees and family members.  Available 24/7, licensed mental health professionals provide phone or in-person counseling for a variety of stressors and needs. 

 

Faculty and Staff Assistance Program – fsap@cornell.edu, 607-255-2673 - benefits eligible employees, retirees, and spouses/partners may contact the FSAP by phone to obtain free support. If the volume of calls exceeds the FSAP’s ability to respond in a timely fashion, please consider contacting ENI (above).  FSAP is now offering virtual sessions for employees.

 

Coping with the COVID-19 Pandemic (pdf)– guidance from the Faculty and Staff Assistance Program  

 

 

Endowed Health

 

To encourage virtual visits and avoid leaving your home, Aetna Telemedicine, Teladoc and Teletherapy office visit co-payments are waived for any reason until, at least, June 4, 2020.  (If you receive care out-of-network, normal plan provisions apply.)

  • Telemedicine: Existing physician relationships, contact your current medical or mental health provider to see if telephonic or tele-video services would be an option for you or go to www.aetna.com to find an Aetna telemedicine provider. 

  • Teladoc: Aetna’s doctors diagnose, treat and prescribe Rx for non-emergency conditions virtually via telephone, web interface or mobile app. Members must pre-register first at www.Teladoc.com

  • For new and/or non-existing mental or behavioral provider relationship, call the Aetna dedicated behavioral health line at 800-424-4047 (TTY: 711) for help finding providers, confirming availability, confirming in-person or tele-therapy services, etc.

  • For Teladoc Behavioral Health (nation-wide), you must first register at Teladoc.com/aetna-therapy, then call 855-835-2362 to schedule a video consultation with a psychiatrist, psychologist, or licensed counselor. These providers may not be local providers but may be for short- or long-term counseling. Must be age 18+.

 

Endowed Prescription Coverage

OptumRx has implemented early refill overrides to allow a one-time refill on maintenance medications. This means that patients are able to request a one-time refill of their medication (30 day supply at retail network pharmacies or 90-days supply using home delivery) even if they have not used 75% of the prior fill.  

OptumRx Specialty Pharmacy will offer patients a one-time, 90-day supply of key chronic specialty medications versus the traditional 30 day supply. This policy will not auto-dispense medications in supplies greater than 30 days without direct consent of the patient.

Please note, early refills  may not be available for all therapeutic medications and/or controlled substances. Overrides do not apply to those new to therapy.

 

Rx Delivery

Fees and delivery perimeter vary:

Delivery fees are not covered by Endowed or Contract College Health Insurance Plans nor are they eligible expenses for Flexible Spending Accounts. Cornell Endowed Health Plans (OptumRX) and Contract College Plans offer mail order options for long-term maintenance medications. However, 5-14 days must be allowed between the physician sending a new prescription and the receipt of the medication.

 

Contract College Health

 

EMPIRE PLAN

Empire offers LiveHealth Online to allow you to access care on your smartphone, tablet or personal computer, using in-network providers, for office visits, and ER/urgent care centers. If the care is related to COVID-19, the copay for in-network providers is waived.  If using out-of-network providers, the normal deductible, co-pays, co-insurance, and reasonable and customary allowances apply. Empire does not maintain a list of providers who have agreed to offer telehealth but you can speak to your provider to see if they offer telehealth services. To register for LiveHealth Online, go to www.empireblue.com/nys to access and enter your Empire Plan identification number and name exactly as they appear on your identification card.  This will ensure you and your covered dependents receive care, free of charge.

 

HMO-BLUE CNY

HMO-Blue CNY offers MDLive to allow you to access care on your smartphone, tablet or personal computer, using in-network providers, for office visits, and ER/urgent care centers.  If the care is related to COVID-19, the copay for in-network providers is waived. Instructions on how to register for MDLive and schedule a visit can be found at https://www.excellusbcbs.com/find-a-doctor/telemedicine..

 

MVP

MVP offers myVisitNow to allow you to access care on your smartphone, tablet or personal computer, using in-network providers, for office visits, and ER/urgent care centers.  If the care is related to COVID-19, the copay for in-network providers is waived. To register, log in at https://myvisitnow.com/landing.htm, and choose My Account.

 

Contract College Prescription Coverage

EMPIRE PLAN

Empire Plan has implemented early refill overrides and/or extended-day supply requirements on 30-day prescription maintenance medications consistent with the CDC recommendation to have a 1-month supply of medication on hand.  Member cost sharing will apply as normal. Members with a mail-order benefit taking maintenance medications are encouraged to take advantage of receiving a 90-day supply of medication through the Mail Order pharmacy mailed directly to their home.

HMO-BLUE CNY

(Same as Empire Plan)

MVP

(Same as Empire Plan)

 

Rx Delivery

Fees and delivery perimeter vary:

Delivery fees are not covered by Endowed or Contract College Health Insurance Plans nor are they eligible expenses for Flexible Spending Accounts. Cornell Endowed Health Plans (OptumRX) and Contract College Plans offer mail order options for long-term maintenance medications. However, 5-14 days must be allowed between the physician sending a new prescription and the receipt of the medication.

 

Financial Assistance

Financial Assistance

See below for:

 

► ACCESS TO FINANCIAL ASSISTANCE – RETIREMENT PLANS

 

Retirement Plan

CARES Act

- Withdrawal Access

CARES Act

-Loan Access

CARES Act

-Loan Payment Deferral/Suspension

Cornell University Retirement Plan (CURP) – Endowed Employees Only

Yes

N/A

N/A

Cornell University Tax-Deferred Annuity Plan (CUTDAP) – Endowed and Contract College Employees

Yes

Yes

Yes

eCornell 401(k) Plan

-eCornell Employees Only

Yes

Yes

Yes

New York State and Local Retirement System (NYS ERS)

 – Contract College Employees Only

N/A

N/A

N/A

SUNY Optional Retirement Program (SUNY ORP)

- Contract College Employees Only

No

Yes

Yes

 

CARES ACT – WITHDRAWAL ACCESS

If you experience a financial loss or hardship due to COVID-19, you may request a withdrawal from Fidelity Investments and/or TIAA to meet that financial need.  Withdrawals are processed directly with the provider after the participant certifies they have suffered a loss/hardship.  The maximum withdrawal is 100% of account balance, up to a maximum withdrawal of $100,000, in total, from all plans and all providers.  The withdrawal option is available until December 31, 2020, and does not carry any early withdrawal penalties.

There are many provisions and stipulations regarding the withdrawal, its 3-year taxability, and opportunities you have to redeposit the money back into the plan(s) within 3 years.  Taking a withdrawal is an important decision/consideration, and you should ensure you fully understand the implications of this access to your retirement funds.  We encourage you to discuss this option with your personal accountant, tax advisor or retirement plan advisor and with the providers, prior to taking action.

 

CARES ACT – LOAN ACCESS

For plan loans made to a qualified participant from March 27, 2020, to September 22, 2020, the total loan limit is increased up to the lesser of: (1) $100,000 (minus outstanding plan loans of the participant), or (2) the participant's vested benefit under the plan.  As in current loan processing provisions, participants work directly with either Fidelity Investments and/or TIAA (as applicable) to discuss and process the loan request.  Current rules regarding maximum number of loans per participant still apply.

 

CARES ACT – LOAN PAYMENT DEFERMENT/SUSPENSION

Additional loan deferment/suspension options are available; if a loan is outstanding on or after March 27, 2020, and any repayment on the loan is due after March 27, 2020, that due date may be delayed under the plan for up to one year. Any payments after the deferment/suspension period will be adjusted to reflect the delay and any interest accruing during the delay.     As in current loan processing provisions, participants work directly with either Fidelity Investments and/or TIAA (as applicable) to discuss any questions related to repayment schedule and loan deferral. 

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PROVIDER CONTACT INFORMATION:

 

PROVIDER

PHONE CONTACT

WEB ADDRESS

Fidelity Investments

– Cornell

 

1-800-343-0860

 

https://nb.fidelity.com/public/nb/cornell/home

Fidelity Investments

– eCornell

 

1-800-343-0860

 

https://nb.fidelity.com/public/nb/default/home

 

New York State and Local Retirement System (NYS ERS)

 

1-866-805-0990

https://www.osc.state.ny.us/retire/retirement_online/customers.php

 

SUNY Optional Retirement Program (SUNY ORP)

(various providers)

N/A

https://www.suny.edu/retirement/orp-vendors/

 

TIAA

 

1-800-842-2776

https://www.tiaa.org/public/land/cornell_retirement_plans

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ADDITIONAL RESOURCES / INFORMATION ON COVID-19 AND THE CARES ACT:

 

Fidelity Investments

http://www.coronavirusguide.netbenefits.fidelity.com/

NYSLRS (NYSERS)

https://www.osc.state.ny.us/covid-19/financial-toolkit.htm

TIAA

https://www.tiaa.org/public/learn/prepare-unexpected/guiding-you-through-turbulent-times

 


► ALLOWABLE CHANGES TO FLEXIBLE SPENDING ACCOUNT (FSA) ELECTIONS

 

FSA – DEPENDENT CARE ACCOUNT (DCFSA)

If you are enrolled in a DCFSA for 2020, and your child care needs have changed due to COVID-19 – either due to a change in provider or a change in projected expense – you may make a change in your DCFSA election, on a go-forward basis, within 60 days of that change in need.

There is a special enrollment form needed, and if you cannot locate the form you received in the email to you dated April 28th, please contact the HR Services and Transition Center, hrservices@cornell.edu, (607) 255-3936.

You may make a change in future contributions, again, once you return to your original child care needs/expenses.  PLEASE BE AWARE:  2020 contributions to DCFSA may be used for expenses dated 1/1/2020-3/15/2021.

 

FSA – MEDICAL CARE (MCFSA)

At this time, there have been no federal regulations announced concerning extending or changing the FSA -Medical care account – current rules remain in effect.  We continue to monitor federal regulations and considerations and will post additional information here, as it becomes available.

PLEASE BE REMINDED:  At the end of December 2020, $500 of unused 2020 contributions will carry-over to a 2021 MCSFA account.

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► WAIVERS OF CERTAIN HEALTH CARE CO-PAYMENTS, FEES

 

HEALTH CARE (ENDOWED AND CONTRACT COLLEGE) CO-PAYMENTS, RX ACCESS, AND OTHER PROVISIONS

Most the health care plans, including those through Aetna, Empire, HMO-BLUE-CNY and MVP have agreed to waive various co-payments related to COVID-19 testing, and in some cases, co-payments or other cost-sharing related to COVID-19 treatment, at least through in-network providers and facilities.

As each vendor administers their own plan design and has determined/established the period during which it will apply the COVID-19 testing/treatment co-payment waiver, we encourage you to consult with the customer service center of your enrolled health plan for more specific details.

Similarly, most plans have waived the mandated 30-day wait before medications can be refilled.  Often referred to as ‘early fill’, you may wish to confirm with your pharmacy and/or medical vendors to determine if this benefit applies to you and your specific medications/plan. 

 

METLIFE DENTAL (ENDOWED)

Cornell is currently working with MetLife dental, to be able to offer a 25% reduction/credit for premiums paid for participant coverage in April and May 2020.  As we finalize how the credit/reduction will occur, we will inform all enrolled participants, and we will update the information here.  We expect to have the process resolved and this information updated by May 22, 2020.  Further details will be posted here.

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► VOLUNTARY AUTO INSURANCE – PREMIUM CREDITS DUE TO COVID-19 (ENDOWED AND CONTRACT COLLEGE)

In these uncertain times during the pandemic, Mercer’s voluntary auto insurance carriers have announced auto relief credits for current participants.

Liberty Mutual and Travelers will provide a credit of 15% for April and May participants. Two checks will be received – one in mid-May (for April) and one in mid-June (for May).  Payroll deductions will continue as normal.

Progressive will provide a 20% credit for participants – to be reflected in the June bill.  Currently all participants are direct-billed; payroll deduction is not available.

MetLife (Auto) will provide a 15% credit for April and May participants, who will receive a letter at their homes on approximately May 25, advising how MetLife will apply the credit.

 


► LEGAL RESOURCE LIBRARY ACCESS – THROUGH ARAG – FREE OF CHARGE

ARAG, the University’s voluntary legal benefits carrier, is expanding access to their financial resource library to all Endowed and Contract College employees, regardless of their current participation in the plan.  The offer is valid for up to 60 days – with no obligation to enroll at a future date. 

During the special 60-day enrollment period, Cornell employees will have access to a legal resource center that includes a number of ARAG Cares do-it-yourself legally valid documents, including: wills and powers of attorney, medical authorization of treatment forms for minors, complaint letters for credit and consumer issues, etc.

Enrolling in the 60-day free access is easy:  https://www.araglegal.com/coronavirus-relief/start, then click on ‘sign up’.  Once enrolled, you will receive notice of your enrollment date and the 60-day end-of-access date.  You must register by June 30, 2020 to access this free benefit.  If you have any questions, please contact Mercer at 1-800-553-4861.

 

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For additional COVID-19 information, visit the COVID-19 Employee Guidance website