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Go for the Gold Wellness Credit and the Vanderbilt Health Plan Account

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      1. How does the Vanderbilt Health Plan Account work?
      2. How will Aetna know how much I am to receive for my level of Go for the Gold participation?
      3. What are the benefits of having the Vanderbilt Health Plan Account or the Health Savings Account?
      4. If I waive the Vanderbilt Health Plan. Can I still participate in Go for the Gold?
      5. Can I deposit additional money into this Vanderbilt Health Plan Account or Health Savings Account?
      6. Can I access the Vanderbilt Health Plan Account to help pay for co-pays, prescriptions and over-the-counter items?
      7. How will I know the balance of my Vanderbilt Health Plan Account?
      8. If I leave Vanderbilt and there is a balance in my Vanderbilt Health Plan Account, can I take the balance with me?
      9. My spouse is also a Vanderbilt employee. I carry both of us on my Vanderbilt Health Plan, and my spouse waives coverage. Can we both get the Go for the Gold Wellness Credit?
      10. I am enrolled in the Vanderbilt Health Plan, but I am healthy and don’t use medical services other than my annual checkup. Isn’t this punishing those of us who are healthy?
      11. I don’t participate in Go for the Gold. Can I get the Vanderbilt Health Plan Account to help pay my deductible?
      12. Can the Vanderbilt Health Plan Account be transferred to a Health Savings Account?
      13. What happens if I have a balance in my Health Plan Account at the end of the year?
      14. Who can I contact with questions about Go for the Gold?
      15. Where can I receive help completing my Go for the Gold?
      16. How do I complete my Go for the Gold?
      17. If I have additional questions about the Health Plan Account who should I contact?

1. How does the Vanderbilt Health Plan Account work?

When enrolled in the Select PPO Plan, Vanderbilt puts the Wellness Credit you earn for participating in the Go for the Gold program into a Health Plan Account managed by Aetna.

The Health Plan Account helps you pay your deductible (the amount you pay before the health plan starts paying) and coinsurance (the percent you pay for medical expenses after meeting your deductible).For example, when you have a doctor's visit, the doctor sends the bill to Aetna, who then processes the claim and if you have a balance due, that amount will be paid from your Vanderbilt Health Plan Account first. If you deplete your Health Plan Account, you then start paying towards meeting the remainder of your deductible.

The Health Plan Account will pay the first medical claims billed, whether the bill is for you or any dependent you cover on the Vanderbilt Health Plan. Please refer to your Evidence of Benefits (EOB) from Aetna for more information.

When enrolled in the Choice CDHP Plan, Vanderbilt puts the Wellness Credit you earn for participating in the Go for the Gold program into your Health Savings Account (H.S.A.) managed by Fidelity. The Health Savings Account helps you pay your deductible (the amount you pay before the health plan starts paying) and coinsurance (the percent you pay for medical expenses after meeting your deductible). For example, when you have a doctor's visit, the doctor sends the bill to Aetna, who then processes the claim and if yo

3. What are the benefits of having the Vanderbilt Health Plan Account or the Health Savings Account? 

          The benefits of having a Vanderbilt Health Plan Account are:

      • The money is not taxed.
      • The full annual amount is deposited as a lump sum at the beginning of the calendar year.
      • The money is automatically applied toward deductibles and coinsurance.
      • Any unused amounts will rollover each year to a maximum of $1,000.

The benefits of having a Health Savings Account are:

      • The money is not taxed.
      • The full annual amount is deposited as a lump sum at the beginning of the calendar year.
      • The money can be applied toward deductibles and coinsurance.
      • Any unused amounts will rollover each year without a capped limit.

4. If I waive the Vanderbilt Health Plan. Can I still participate in Go for the Gold?

Yes. All employees are encouraged to participate in Go for the Gold to reap the health benefits of the program. If you waive the Health Plan, you will not receive the Wellness Credit that can be applied to your Vanderbilt Health Plan Account or toward membership to the Vanderbilt Recreation and Wellness Center.


5. Can I deposit additional money into the Vanderbilt Health Plan Account or the Health Savings Account?

The Vanderbilt Health Plan Account does not allow individual contributions; however, the Health Savings Account does allow individual contributions.


6. Can I access the Vanderbilt Health Plan Account to help pay for copays, prescriptions and over-the-counter items?

If you are in the Select PPO Health Plan, the account is only available to use towards meeting your deductible. This is an automatic process as Aetna manages the account on your behalf, so no action is needed on your part.

If you are in the Choice CDHP Health Plan, you can use the funds to cover any approved Health Savings Account eligible items.


7. How will I know the balance of my Vanderbilt Health Plan Account?

If you are in the Select PPO Health Plan, the available balance will be shown on your Explanation of Benefits received from your Aetna claims. You can also check your balance on the Aetna website Aetna website or by phone at 800.743.0910.

If you are in the Choice CDHP Plan, you can check your balance by logging-in to your Fidelity account online.


8. If I leave Vanderbilt and there is a balance in my Vanderbilt Health Plan Account, can I take the balance with me?

If you are in the Select PPO Health Plan, no. The Vanderbilt Health Plan Account is tied to your Vanderbilt Health Plan and is neither portable nor transferable. If you leave Vanderbilt, you will have access to the account only while you are still covered under the health plan, which is typically the last day of the month of when you separate.

After leaving Vanderbilt, even if you continue your Vanderbilt Health Plan coverage under COBRA, your Health Plan Account will not be available to you.

If you are in the Choice CDHP Health Plan, yes. The money is yours to take with you.


9. My spouse is also a Vanderbilt employee. I carry both of us on my Vanderbilt Health Plan, and my spouse / partner waives coverage. Can we both get the Go for the Gold Wellness Credit?

No. The Go for the Gold Wellness Credit paid to your Vanderbilt Health Plan Account is only available to employees who elect and pay for our health plan. If your spouse waives coverage, she / he is not eligible to receive the Wellness Credit because Aetna would only have one subscriber account — for the enrolled employee, not the waiving employee.

However, we still encourage you both to participate in the Go for the Gold program as part of your commitment to a healthy lifestyle.

You might consider reviewing the payroll deduction amounts for Employee-Only coverage vs. Employee + Spouse coverage. As the Wellness Credit will not be paid for an employee who waives coverage, it might be worth changing your and your spouse's health plan election during Open Enrollment to the Employee-Only coverage tier.


10. I am enrolled in the Vanderbilt Health Plan, but I am healthy and don't use medical services other than my annual checkup. Isn't this punishing those of us who are healthy?

Most employees use the health plan at some point. The Vanderbilt Health Plan Account balance will roll over from year to year to a maximum of $1,000, (PPO Plan) provided you are employed at Vanderbilt and paying for the Vanderbilt Health Plan. The Wellness Credit paid into your Vanderbilt Health Plan Account is sort of like a rainy-day fund that will be there to help pay your medical deductible and coinsurance amounts if you need it.


11. I don't participate in Go for the Gold. Can I get the Vanderbilt Health Plan Account to help pay my deductible?

 

No. Go for the Gold participation is voluntary; however, only those enrolled in the Health Plan and who participate in Go for the Gold will receive the Wellness Credit paid into your Vanderbilt Health Plan Account.


12. Can the Vanderbilt Health Plan Account be transferred to a Health Savings Account?

No.


13. What happens if I have a balance in my Health Plan Account at the end of the year?

 

Your Health Plan Account balance rolls over to the following year, so long as you remain enrolled in the Vanderbilt Health Plan. If you have no medical bills that use up the Health Plan Account, it will continue rolling over from year to year until you reach the maximum rollover amount of $1,000.


14. Who can I contact with questions about Go for the Gold?

Contact Health Plus by phone, 615.343.8943 or email us.


15. Where can I receive help completing my Go for the Gold?

Come to:

      • Health Plus: Monday–Friday, 5 am–9 pm and Saturdays, 8 am–2 pm
      • Occupational Health Clinic, Medical Arts Building, Suite 640, 8 am–5 pm
      • In your department by appointment

Also, look for our mobile Go for the Gold help sessions at special events around campus.


16. How do I complete my Go for the Gold?

Go to the Health Plus website.


17. If I have additional questions about the Health Plan Account who should I contact?

For questions about how the Health Plan Account works, email human.resources@vanderbilt.edu.

To find out what your Health Plan Account balance is, contact Aetna.

 

    • If you are enrolled in Aetna Select PPO, call 800.743.0910 and ask for the balance of your "Health Incentive Credit."
    • If you are enrolled in Aetna Choice CDHP, call 800.642.7131 and ask for the balance of your “Health Savings Account.” 

11. I don't participate in Go for the Gold. Can I get the Vanderbilt Health Plan Account to help pay my deductible?

No. Go for the Gold participation is voluntary; however, only those enrolled in the Health Plan and who participate in Go for the Gold will receive the Wellness Credit paid into your Vanderbilt Health Plan Account.