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FAQ: Tuition Exchange

GW is a member of the Tuition Exchange, Inc., a national organization that administers tuition scholarships to the dependents of eligible faculty and staff at participating colleges and universities. Tuition Exchange award amounts (averaging $30,000) significantly defray higher education costs, and the process operates similarly to Tuition Remission, with the added benefit of being portable to hundreds of other institutions. GW’s agreement with the Tuition Exchange permits a small number of students each year to enroll in undergraduate degree programs at participating institutions throughout the country.

Who participates in the Tuition Exchange?

More than 660 private and public not-for-profit colleges and universities – representing 47 states, the District of Columbia and four countries – participate in the program. A number of prestigious institutions are members of the Tuition Exchange. A full list of participating schools may be found here.

Who is eligible to apply?

Except as specified, all eligibility requirements for dependent use of the GW Tuition Remission benefit program apply to the Tuition Exchange program. Eligible faculty and staff may apply to compete for tuition exchange scholarships for legally dependent children under age 24* in the academic year following four years of continuous employment in a regular full-time or part-time benefits eligible position. All eligibility requirements must be met prior to the first day of classes, and all faculty and staff must maintain eligibility for tuition benefits at GW for the full duration of the scholarship period in order to receive full benefits under the Tuition Exchange program.

*Dependent children must be under age 24 at the beginning of each academic year in order to maintain eligibility.

What is the application process like?

Once you’ve determined that you’re eligible to apply for the Tuition Exchange benefit, you should attend the Tuition Exchange information session hosted in March of every year. The first step of the formal application process involves a Tuition Exchange Preliminary Application, to be completed and submitted by you during the special tuition exchange open enrollment period. Preliminary Applications are now being accepted for academic year 2019-2020, with a submission deadline of September 21, 2018.

Candidates are selected based on length of service. Applicants who are not selected as candidates will be ranked on a waitlist and notified by the Tuition Exchange Liaison Officer if an opening becomes available. If you are chosen as a candidate, the Office of Student Financial Assistance will send you a second form, on which your dependent will indicate his or her school(s) of interest. If your dependent gains admission to his or her school(s) of interest, he or she must then compete for the tuition exchange scholarship offered by that school.

How do eligible students compete for a Tuition Exchange scholarship?

Tuition Exchange scholarships are not guaranteed; they are competitive awards. In addition to meeting the school’s admission requirements and applicable deadlines, your dependent must compete with other eligible students for the tuition exchange scholarship offered by that school. Some member schools have additional requirements for exchange applicants, such as higher academic standards.

How many students are awarded a scholarship each year?

The Tuition Exchange scholarship availability is dependent on the number of spaces available at the admitting institution. Each member school must maintain a balance between the students it sends to other schools on the exchange (exports) with those it receives on the exchange (imports). When the number of exports exceeds the number of imports, the institution may not sponsor new students. These factors impact your ability to earn a scholarship through the exchange. You can increase your chances of receiving a scholarship if you apply to one or two schools that offer awards to a large percentage of applicants. Many member institutions submit profiles for the upcoming year, and you can discover the award percentage for a particular school by conducting a school search.

What does the scholarship cover?

Each scholarship is awarded for a maximum of eight semesters, to cover four academic years of full-time undergraduate study at participating Tuition Exchange institutions. If a student enters the Tuition Exchange program as a transfer, he or she will receive fewer semesters as required to complete the undergraduate degree.

Tuition Exchange benefits vary on a case-by-case basis. Each member Tuition Exchange institution determines the value of the scholarship that it awards to each incoming student. The awarded benefit may include the costs of tuition, room, board and other expenses, as determined by the institution. Before accepting a Tuition Exchange scholarship, employees and their dependent students should clarify all financial responsibilities of the admitting institution; students are responsible for any costs that exceed the awarded benefit level.

What if I switch jobs or leave GW while my dependent is receiving Tuition Exchange benefits?

In the event that an eligible employee terminates employment or loses GW benefits eligibility while receiving benefits under the Tuition Exchange program, the employee will be responsible for the balance of tuition through the terminating semester as determined by the admitting institution.

Where can I find out more?

Details on the Tuition Exchange program are available at benefits.gwu.edu/tuition-exchange. A Tuition Exchange information session will also take place in March (details to be announced via email).

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Is Your Retirement Plan on Track?

When it comes to saving for retirement, calculators can be a nice reminder of what it really takes to build that cushy nest egg. Fidelity recommends that those who earn between $50,000 and $300,000 annually should plan for their savings to replace about 45 percent of their preretirement, pretax income. According to TIAA, you should consider planning to create an income that lasts 25 years or more. But how can you make this happen? Yes, you should consult with a retirement advisor, but for quick-hit information on your saving potential, reach for these calculators and tools.

Fidelity Contribution Calculator

Fidelity’s Contribution Calculator is designed to show you how you could potentially boost the value of your retirement plan account by increasing the amount that you contribute from each paycheck.

Fidelity Retirement Score™

Know where you stand for retirement by determining your Fidelity Retirement Score. Answer six questions to generate your score, and receive additional steps to consider when saving for your retirement.

TIAA Retirement Calculators and Financial Tools

TIAA offers a variety of financial calculators and tools, such as Retirement Advisor (customized Retirement Action Plan), Retirement Income Planner (compare a wide range of life scenarios to help meet your retirement income goals) and Retirement Profile (receive a snapshot of what your life could be like in retirement based on your lifestyle and financial goals). Please note: You must log in to access these tools.

TIAA Retirement Goal Evaluator

TIAA’s Retirement Goal Evaluator allows you to estimate how much of your salary you might be able to replace at retirement, and how much more you may need to save to reduce any potential shortfall.

Don’t forget! Retirement consultants from Fidelity and TIAA are available on campus (by appointment) to assist you with enrolling in the GW retirement plans, understanding the plans and available investments, creating your savings plan and reviewing your account balances. Make an appointment at benefits.gwu.edu/retirement-counseling.

Health heart diet food concept with blood pressure gauge closeup

Six Steps to a Healthy Heart

Certain risk factors for heart disease are out of our control; these include age and family history. However, many others risk factors – such as high blood pressure, cholesterol, unhealthy diet and physical inactivity – may be controlled through a few healthy lifestyle choices.

1. Move more

Aim for at least 150 minutes of moderate physical activity or 75 minutes of vigorous physical activity – or an equal combination of both – each week. To start, try adding just 30 minutes of brisk walking to your schedule three or four days per week to reduce your risk for high blood pressure, “bad” cholesterol and extra weight. Bump up your routine as you feel comfortable. Tip: Pad your weekly workouts with free group exercise classes and gym discounts.

2. Be a picky eater

Go easy on saturated fats, often found in red meat, high-fat dairy products and processed foods – they raise blood cholesterol. Also try to limit your salt intake (over time, you can even lose taste for it), and include more fish and whole grain oats in your weekly menu.

3. Watch the sweet stuff

Beyond just eating healthy, pay close attention to sugar – one of the greatest threats to a healthy ticker. While consuming whole foods that contain natural sugar is okay, problems arise with ingesting too much added sugar – that is, sugar added to products by food manufacturers to enhance flavor or extend shelf life. The biggest culprits in the American diet are soft drinks, flavored cereals and yogurts, fruit drinks, cookies, cakes, candy and most processed foods. Indeed, the prevalence of added sugar in the American diet is alarming: according to the National Cancer Institute, adult men consume an average of 24 teaspoons of added sugar per day! Monitor your intake of added sugar by carefully reading food labels. Check out the American Heart Association’s tips for cutting down on sugar.

4. Reduce stress

Stress can raise its devilish head in the workplace and in the home. Learning techniques to better manage stress can reduce blood pressure and lower your risk for heart disease. Practice relaxation techniques, including slow, deep breathing. Tip: try meditation or yoga (or both) this semester – classes are free and fit conveniently in your lunch block. You can also address your stress or anxiety directly through counseling sessions with highly-trained clinicians (up to five sessions are included for free with your Wellbeing Hotline benefit).

5. Get nutty

The largest study to date on the link between eating nuts and a lower risk of heart disease was published in November 2017 by the Journal of the American College of Cardiology. The research indicated that individuals who ate nuts – including peanuts, walnuts, almonds and cashews – on a daily basis exhibited a much lower risk of developing cardiovascular or coronary artery disease when compared with those who rarely or never consumed nuts. Do your heart a favor, and treat yourself to a small handful of nuts a day.

6. Quit tobacco

Smoking or chewing tobacco is a major risk factor for heart disease and stroke. Reduce your risk and start improving your overall health by quitting now. Don’t be afraid to seek support if you need it – Quit For Life, the nation’s leading tobacco cessation program, helps GW employees and their dependents overcome physical, psychological and behavioral addictions to tobacco through coaching, a customized quitting plan and a supportive online community (and it’s completely confidential).

Need additional support? Call Health Advocate at (866) 695-8622 for the help and resources you need to stay healthy. The service is free, confidential and available 24/7.

Health Advocate: Your Lifeline for Healthcare Health

Navigating the healthcare insurance maze is a timely (and often stressful) process, but you don’t have to go it alone. GW employees and their families have access to Health Advocate, the nation’s leading independent healthcare advocacy and assistance company. Health Advocate’s team of trained Personal Health Advocates is skilled at working with healthcare providers and insurance plans to resolve complex clinical and administrative issues.

GW employees are automatically enrolled in Health Advocate at no cost, regardless of whether or not they participate in a university medical plan. Health Advocate is available to GW employees and their spouse/domestic partners, eligible dependents, parents and parents-in-law.

Gain free, one-on-one help from an industry expert who knows the ins and outs of the complex healthcare system. Health Advocate services include clinical support, help with administrative issues and answers to benefit questions.

Full-service clinical support:

  • Explain diagnoses and treatment options
  • Coordinate care for complex medical issues
  • Coordinate the transfer of medical records, x-rays and lab results
  • Research and locate best-in-class providers for second opinions
  • Coordinate benefits between doctors and insurance companies
  • Arrange for home care equipment following discharge from the hospital
  • Estimate costs for medical procedures

Help with administrative issues:

  • Untangle medical bills, uncover errors and negotiate fees
  • Resolve insurance claims and billing issues
  • Schedule tests and appointments
  • Find the right doctors, hospitals and treatment centers
  • Locate eldercare services and community resources

Answers to benefit questions:

  • Explain benefits coverage
  • Resolve errors with providers and health plans
  • Resolve eligibility issues and benefit/claim denials

Did You Know? Health Advocate’s clinical team is comprised of nurses, nurse supervisors and medical directors.

Call Health Advocate at (866) 695-8622 or visit healthadvocate.com/gwu. Calls are unlimited and the service is available 24/7.

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Eleven Easy Steps to a Happy and Healthy 2018

If you’ve committed to a better you in 2018, we’ll help you simplify the process to meet your goal(s) sooner. Here is a collection of resolutions that can help you improve your health and your finances in the New Year (some with a little complimentary help from GW).

  1. Focus on regular preventive care. Preventive check-ups – such as regular physical evaluations, vaccines, immunizations, lab work and blood pressure checks – can help you avoid serious health problems. If you are covered by a GW medical plan, you receive preventive services at no cost ($0 out-of-pocket) when you see an in-network provider. Check out this nifty handout from UHC for easy-to-read preventive care guidelines for children, adolescents and adult men and women.
  2. Take control of your finances. Fifty-five percent of people cited “saving more” as a top financial priority in 2018. Tackle your financial resolutions by breaking down larger goals into attainable milestones. Examples: Pay down high-interest debt, set up automatic savings (modify your direct deposit to have a certain amount from each paycheck transferred directly to your savings account), increase your retirement contribution, build an emergency fund and set a monthly budget (and stick to it).
  3. Don’t skimp on sleep. Aim to get at least seven hours of sleep each night. Doing so can improve productivity, boost energy, encourage healthy eating and reduce the risk of chronic health problems.
  4. Sweat a little. If you already exercise, try stepping up your routine – add new exercises, try a new sport or add an extra 15 minutes to your daily routine. If you don’t currently exercise, start by walking a little each day or making small changes in your daily routine, such as taking the stairs instead of the elevator or parking a little further away from your destination. Remember, GW faculty and staff receive reduced rates on gym memberships and have access to free group exercise classes on campus.
  5. Ignorance Knowledge is bliss (for your wallet). In this day and age, with the rising costs of healthcare nationwide, not knowing your options is not an option. In fact, it can hurt you financially. GW offers its health plans’ participants a free healthcare transparency tool, Castlight, to help you save on the care you need – compare doctors, hospitals, medical services and prescriptions by cost and quality, and review past expenses to see how much you paid and why so you can plan for the year ahead. Keep an eye out for upcoming health and financial wellbeing seminars and events to be offered by GW Benefits throughout the year, and schedule a one-on-one appointment with UnitedHealthcare (UHC) on campus to ask questions about your UHC medical or vision claims, network and/or benefits coverage (events and UHC appointment times will always be posted to our events webpage). You may also schedule one-on-one consultations with TIAA and/or Fidelity to discuss GW’s retirement plans, understand available investments, create savings plans and review account balances (appointments may be made on our retirement counseling webpage).
  6. Straighten up. Practice better posture for positive physical and mental health benefits, including stronger muscles, less joint pain, improved energy, better mood and improved productivity. Good posture means keeping your back straight, your chin parallel to the floor, your abdominals braced and your shoulders even. Make a conscious effort to improve your posture while sitting and standing – you’ll lose that “text neck” before you know it!
  7. Quit smoking. If your New Year’s resolution is to quit smoking, be sure to take advantage of the Quit For Life smoking cessation program, free for eligible GW employees and dependents. The program allows you to quit smoking at your own pace, and includes unlimited access to phone- and web-based coaching, a printed workbook to help guide you through the quitting process and complimentary access to Text2Quit.
  8. Practice mindfulness. You may be a skeptic, but give mindfulness a try this year. You may be surprised by the health benefits. By bringing awareness to present experiences, mindfulness makes you more sensitive to context and perspective. Benefits include reduced rumination, less stress, increased focus and greater working memory. Tip: GW’s Department of Exercise and Nutrition Sciences is adding a free Meditation class to its spring 2018 faculty and staff group exercise schedule.
  9. Clear the clutter. Donate old clothes, organize that messy drawer, go through paper mail daily and organize on-the-go to cut down on some of the clutter and prevent it from piling up in the future. Organization can help streamline your day by improving productivity, and reduce stress by giving you a better sense of control.
  10. Eat smart. When it comes to good nutrition, both quantity and quality matter. Control portion sizes by eating until you feel satisfied, not stuffed. You don’t necessarily have to change what you eat; just take advantage of healthy substitutions! For instance, swap out simple carbohydrates for complex ones, choose low-sodium products over originals, try zoodles over noodles and substitute butter with heart-healthy olive oil. Tip: Supercharge your smoothies by sneaking in dark leafy greens; start with a little at first, and slowly add more as you feel comfortable (try this Creamy Red Delight Smoothie).
  11. Log off. When you can, reduce your “screen time.” This includes limiting the time you stare at your mobile phone, tablet, computer and television. If your job involves working on a computer for much of the day, the American Optometric Association recommends that you make a conscious effort to take a 20-second break from the screen every 20 minutes to view something 20 feet away. Not only will your eyes thank you for it (reduced fatigue), but limiting screen time can also help improve sleep, productivity and mood.
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Give Your 403(b) a New Year’s Checkup

Saving for retirement is a marathon, not a sprint. Minor adjustments made now – even a one percent contribution change – can lead to greater savings come retirement.

According to TIAA, you should consider saving 10-15% of your income for retirement (this includes your employer match). Fidelity Investments has provided the following simple retirement savings rule of thumb to help you determine how much you need to save in the long-term: Aim to save at least 1x your income at age 30, 3x at 40, 7x at 55 and 10x at 67.

GW’s 403(b) retirement savings plan allows you to make pre-tax or post-tax (Roth) contributions. The 2018 IRS annual contribution limit for the 403(b) plan is $18,500. Employees age 50 and older may contribute an additional $6,000, for a total of $24,500.

If you choose to make pre-tax contributions to your retirement savings account, you can benefit from tax advantages. “Pre-tax” means that the amount you designate from your pay to your retirement account is not subject to income or employment tax withholding, reducing your taxable income. You can use the “Take-Home Pay Calculator” at www.NetBenefits.com/GW to estimate how your pre-tax contribution to your retirement savings plan will affect your take-home pay (click on the “Tools & Resources” tab on the homepage, then select “Take Home Pay Calculator” from the list). TIAA also offers a suite of retirement calculators and financial tools to help you with your retirement planning.

Commit to saving more this year by increasing your retirement savings contribution, even if it’s just by one to a few percentage points.

Don’t leave money on the table! If you are also enrolled in the 401(a) retirement savings plan, be sure to maximize GW’s matching contribution, which is up to 6% of your eligible compensation if you contribute 4%. This match is in addition to the 4% GW base contribution.

Looking for another healthy way to increase your retirement savings? Consider opening a Health Savings Account (HSA). HSAs offer a triple tax advantage – contributions are made tax-free (via payroll deduction), any interest earned is tax-free and account owners may make tax-free withdrawals for qualified medical expenses. While you may use HSA funds to pay for eligible healthcare expenses now, you can also use the account to save for healthcare costs in retirement because the account does not follow a “use it or lose it” rule; unused funds roll over from year-to-year, and the HSA remains with you even if you leave your job. You can maximize your potential to save for the future by opening an investment account (once you reach the minimum account balance of $1,000). With the HSA through PayFlex, there are a variety of mutual funds to choose from, and there are no transfer or trading fees and no minimum investment amount for a trade request. GW will also match your HSA contributions, dollar-for-dollar, up to $600 for those with Employee Only medical coverage and up to $1,200 for those covering dependents under their medical plan. The catch? You must be covered by a high deductible health plan (HDHP), such as the GW Health Savings Plan (HSP), as well as meet a few other criteria. Learn more about HSAs here.

iPad, Livongo glucometer, iPhone, glucose readings

Livongo – A New, No-Cost Tool to Help Manage Diabetes (as Part of Transform Diabetes Care)

Testing and tracking your blood glucose levels is a crucial component of successful diabetes management, but it can sometimes be a time-consuming, manual process. Now, there’s a better way.

New to GW’s pharmacy benefits is the CVS Caremark® Transform Diabetes Care (TDC) program. The new program* offers no-cost tools, services and extra support to help participants effectively manage their diabetes, including an optional glucometer via Livongo.

Every time you test your blood glucose levels with Livongo, your numbers will be automatically sent to a secure online account. With Livongo, you can easily:

  • Track your levels, see trends and share your data with whomever you choose**
  • Get unlimited test strips and lancets delivered to your door at no out-of-pocket cost
  • Receive personalized tips in real-time to help you stay on track and make informed choices

Get started with Livongo today

  • To enroll, visit livongo.com or call your Livongo Team at 1 (800) 945-4355. Be sure to provide the registration code, “GW.”

Additional TDC benefits include:

  • Two diabetes monitoring visits per year at MinuteClinic® (at no out-of-pocket cost) to help prevent diabetes-related conditions. These visits include A1c testing, foot exams, body mass index (BMI) assessments, diet consultation and blood pressure and cholesterol checks. No appointment is necessary; simply bring the program voucher with you to any MinuteClinic location. (Program vouchers will be mailed out to eligible participants by the end of the month.)
  • Personalized, one-on-one coaching with pharmacists to help you stay on track. If you pick up prescriptions at a CVS Pharmacy, you may stop in and speak to a pharmacist. If you receive your prescriptions by mail, you may call the number on your CVS member ID card to speak with a CVS Caremark pharmacist.

Tip: CVS Caremark’s Transform Diabetes Care with Livongo can work together with UHC’s Diabetes Disease Management Program to provide members with maximized care.

*This program does not substitute for medical care provided by your doctor and is not a replacement for the advice or treatment you may be receiving from your doctor for your diabetes. In the event of a medical emergency, contact 911. Program availability is subject to change.

**Livongo will share with CVS Caremark your glucose readings and other health information needed to help you manage your diabetes. Information shared with CVS Caremark is protected by HIPAA. A CVS Caremark pharmacist may reach out to you, and may also coordinate with your healthcare provider.

Man texting on his mobile phone and having a snack.

Why is UHC Calling Me?

Your phone is ringing. You look down at the screen and recognize the number: it’s UnitedHealthcare (UHC). You experience a sudden urge to send the call to voicemail – don’t!

Often, UHC tries to contact plan members regarding a health program or service available to them, or to offer information that may aid health management or improvement. Indeed, the service can help connect you with resources and benefits that you may not have been aware you had. Below, we list a few reasons why UHC may be calling you.

Disease Management

One in four adults has two or more chronic conditions.1 Over seventeen million adults have asthma.2 Every 42 seconds, someone has a heart attack.3 One in three adults could have diabetes by 2050.4 These numbers may scare you, but, unfortunately, they only scratch the surface of the chronic disease epidemic we face. With national healthcare costs continuing to rise, especially for chronic conditions, GW has partnered with UHC to offer Disease Management programs for eligible employees living with asthma, coronary artery disease (CAD), chronic obstructive pulmonary disease (COPD), diabetes and heart failure. Why? Because these diseases require longer and more sophisticated clinical support to help members make informed decisions about their care. By allowing participants to gain a better understanding of their conditions (including better ways to manage their conditions, recognize symptoms, etc.), the program decreases unnecessary hospitalizations and emergency room visits, thereby reducing participant medical costs and improving their quality of life.

Program members are identified through several methods, including claims history, health assessments, Inpatient Care Advocacy and referrals (NurseLine, physician, or self-referrals). Once identified, members are contacted by UHC to develop personal care plans. From improving self-care to identifying warning signs to providing access to resources for assistance, UHC’s condition management programs share the goal of reducing members’ need for urgent/emergency services and improving their quality of life.

How does the UHC Diabetes Disease Management Program coordinate with CVS Caremark’s Transform Diabetes Care with Livongo?

Through cross-platform care coordination, both UHC’s and CVS Caremark’s diabetes management programs can work together to provide program participants maximized care without overlap. Both programs stand to supplement one another – while UHC Diabetes Disease Management program members can continue to receive high touch, comprehensive and ongoing engagement (via telephonic outreach and coaching from a Registered Nurse), simultaneous participation in CVS Caremark’s Transform Diabetes Care with Livongo can provide additional real-time outreach (via phone, email or text) from Livongo’s Certified Diabetes Educators (CDEs) based on blood glucose testing outcomes. Participation in the CVS program also brings other perks, including one-on-one pharmacy counseling and two annual MinuteClinic diabetes health evaluations (at no out-of-pocket cost).

Indeed, both programs work together to create an inclusive benefit for members, thereby making participant lives easier by simplifying the effective management of their diabetes.

Other Reasons UHC May Be Calling

  • Wellness Coaching – Following completion of your Health Assessment, you may receive a call from a UHC wellness coach to discuss available coaching programs and strategies to help you work toward your wellness goals.
  • Recent Hospitalization – If you’ve recently experienced an inpatient hospital stay, you may receive a call from Care Coordination to confirm your receipt of after-care instructions, medications, medical equipment and other needs.
  • Healthy Pregnancy – If you participate in UHC’s Healthy Pregnancy Program, you may receive calls from the program’s experienced nurses offering educational services and health resources.

So, next time you receive a call from UHC, please go ahead and answer.

 

  1. Centers for Disease Control and Prevention. Chronic Diseases: The Leading Causes of Death and Disability in the United States. http://www.cdc.gov/chronicdisease/overview/.
  2. Ibid, National Center for Health Statistics. www.cdc.gov/nchs/fastats/asthma.htm. Last updated January 2017.
  3. CDC Foundation, April 2015. Heart Disease and Stroke Cost America Nearly $1 Billion a Day in Medical Costs, Lost Productivity. https://www.cdcfoundation.org/pr/2015/heart-disease-and-stroke-cost-america-nearly-1-billion-day-medical-costs-lost-productivity.
  4. Ibid. Diabetes: Working to Reverse the U.S. Epidemic At a Glance 2016. https://www.cdc.gov/chronicdisease/resources/publications/aag/diabetes.htm. July 2016.
woman doing yoga

Spring 2018 Faculty and Staff Free Group Exercise Schedule

The Department of Exercise and Nutrition Sciences is happy to announce the Spring 2018 schedule of free faculty and staff group exercise classes. Classes will be offered from Tuesday, January 16, 2018, through Tuesday, May 15, 2018* at the Foggy Bottom campus.

See schedule below:

Meditation (NEW!)

Thursdays

12:15 p.m. – 12:45 p.m.

GWSPH 500C Classroom

Learn to find peace in stress.

Yoga

Mondays and Fridays

12 p.m. to 12:50 p.m.

GWSPH B119 Studio

Please bring your own mat.

HIIT (High Intensity Interval Training)

Tuesdays and Thursdays.

12 p.m. to 12:30 p.m.

GWSPH B112A

Prepare to give it your all for 30 minutes.

Functional Training (Free for Spring 2018 Only)

Mondays and Wednesdays

1 p.m. to 1:50 p.m.

GWSPH B112A

Learn methods for improving both static posture and dynamic movement. Exercises aim to improve balance, intermuscular coordination, proprioceptive awareness, strength and power.

Zumba

Not available for the Spring 2018 semester. Will resume in May for Summer 2018

 

To be eligible for these classes, the designation on your GWorld card must list Faculty or Staff. Please arrive to class on time.

For more information, please contact the LSPA Program Office at LSPA@gwu.edu or (202) 994-6280.

*Classes will follow the Academic Calendar and are not held during breaks or holidays.

 

Did You Know?

GWPD is offering free self defense classes to teach basics such as stance, strikes and blocks. Classes are geared towards sexual assault prevention and are beneficial for all genders.

See schedule below:

February 13, 2018  |  5 p.m. – 9 p.m.

March 7, 2018  |  11 a.m. – 3 p.m.

March 26, 2018  |  5 p.m. to 9 p.m.

Classes will take place at the VSTC campus, Enterprise Hall Room 102 (Multipurpose Room)

To sign up: Contact Officer Williams at btwilliams@gwu.edu.

Please wear comfortable attire to class and be mindful of your jewelry.

Human hand holding piggy bank

Fidelity Independence Fund – Class K (FDFKX) Removed from GW Retirement Plans

The investment options in the GW retirement plans (The George Washington University Retirement Plan for Faculty and Staff and The George Washington University Supplemental Retirement Plan) are regularly monitored by the plans’ Retirement Plan Investment Committee, with the assistance of an outside investment consultant. From time to time, the committee will make changes to the fund options available or the share classes.

As the result of a recent review, the Fidelity Independence Fund – Class K (FDFKX) was removed from the plans’ fund lineup. All assets invested in the fund as of January 18, 2018, were moved to the Fidelity Contrafund – Class K (FCNKX), an existing option in the plans. Any investment elections for the Fidelity Independence Fund that were in effect on January 18, 2018, were redirected to the Fidelity Contrafund beginning January 19, 2018. Participants who had assets invested in the Fidelity Independence Fund and who do not wish to have elections redirected to the Fidelity Contrafund have the ability to change the investment direction.

For more information about these changes, please contact GW Benefits at benefits@gwu.edu or (571) 553-8382, or Fidelity Investments at (800) 343-0860.

woman using tablet during holidays

Tips for Tackling Holiday Stress

Not so merry this holiday season? With disrupted routines, high expectations and other pressures, stress and the holidays often go hand-in-hand.

Even during the non-holiday months, Americans’ relationship with stress is alarming. The Stress in America™ survey, conducted by the American Psychological Association (APA), recently revealed that 24 percent of adults in the United States report extreme stress. What’s more, one-third of American adults report that their stress has increased over the last year.

For those already coping with stress or a mental illness, the holidays can be an especially difficult time. Here are some general tips for mental wellness this holiday season:

  1. Try to avoid overindulging. Consuming rich food and alcohol can lead to feelings of guilt or shame (as well as physical pain). When planning your holiday schedule, allow yourself opportunities to be active. Try to limit consumption or inactivity – do not try to eliminate them entirely.
  2. Take time for yourself. Avoid feeling pressured to please everyone else this holiday season. Take some time for self-care: go for a long walk or hike, read a new book, listen to your favorite music.
  3. Don’t take on too much. Don’t over-commit yourself or set unrealistic expectations this holiday season. Let others share the responsibilities of holiday tasks – do not take on more than you can handle.
  4. Volunteer. If you are experiencing loneliness and isolation this holiday season, try volunteering with a local charity, such as a soup kitchen or homeless shelter. The work is rewarding and you may even make a few new friends.
  5. Seek support. Share some of the physical and emotional load this holiday season by calling GW’s Wellbeing Hotline. The hotline provides around-the-clock, confidential assistance ranging from life event planning to personal counseling from highly trained master’s- and doctoral- level clinicians (all at no cost to you). Learn more about the Wellbeing Hotline.

If you find yourself feeling persistently sad, anxious, unable to sleep, irritable and unable to face routine chores, talk to your doctor or a mental health professional.

health costs

How to Avoid the Emergency Room Sticker Shock

Knowing where to go when an illness or injury occurs is a major factor when it comes to effective use of your health coverage. While the emergency room may seem like the easiest option when facing unexpected medical conditions, there are a few drawbacks. At the ER, “true emergencies” are usually treated first, which could mean long waiting times for other cases (sometimes lasting hours). Visiting the ER could also cost you more out-of-pocket.

Remember, you can use Castlight to compare costs for healthcare services, see personalized cost estimates and more. Castlight is completely confidential and provided at no cost to GW employees and their spouses/domestic partners and adult dependents covered under a university health plan.

Good news is there are several other options to consider when you need medical care.

Nurseline

Cost per visit: $0*

Availability: 24/7

For immediate, physician-approved answers to your health care questions.

With UHC’s Nurseline, free, confidential help is just a phone call or click away. Nurseline (available 24/7) allows you to speak with experienced nurses who can provide you with immediate and physician-approved answers to your health questions. Learn more about Nurseline, including when to use it, here.

Telemedicine: UHC Virtual Visit

Cost per visit: $10 copay (GW PPO) or 20% coinsurance after deductible (GW HSP)*

Availability: 24/7 (varies by provider)

For convenient, online access to a physician for minor health concerns.

When you’re feeling under the weather, the last thing you want to do is leave the comfort of your home to sit in a waiting room. Luckily, as a UHC medical plan participant, you have the ability to access a large network of care providers offering Virtual Visits. This aptly-named tool allows you to virtually consult with a doctor using real-time video technology – accessible through www.myuhc.com or through the Health4Me app (available on the App Store and on Google Play). Not only can you obtain a diagnosis during a Virtual Visit, but your doctor can also write prescriptions (if needed). Virtual Visits are ideal for allergies, sinus and bladder infections, bronchitis and other minor medical conditions. Appointments are not needed, and most visits take about 10-15 minutes.

Primary Care Provider (PCP)

Cost per visit: $30 copay (GW PPO) or 20% coinsurance after deductible (GW HSP)*

Availability: 40 – 50 hours per week

For non-urgent medical concerns with your regular doctor.

If your condition is not urgent – or if you need routine, primary/preventive care treatment – it’s often best to visit your primary care doctor. Your doctor already knows you and your health history, has access to your medical records and can provide follow-up care and specialist referrals. You may also pay the least amount out-of-pocket when you receive care in your doctor’s office.

Convenience Care Clinic

Cost per visit: $30-$50 copay (GW PPO) or 20% coinsurance after deductible (GW HSP)*

Availability: 60 – 80 hours per week

For non-urgent care when you cannot make it to your doctor’s office.

In cases where your condition is not urgent but you cannot make it to your doctor’s office, you may want to consider visiting a convenience care clinic. These clinics are often located in malls or retail stores (such as CVS/pharmacy, Walgreens, Walmart and Target), and offer services without the need to schedule an appointment.

Services at a convenient care clinic may be provided at a lower out-of-pocket cost than at an urgent care clinic, and are subject to PCP office visit copays or deductible/coinsurance depending on your plan. Clinic services are generally available to patients 18 months of age or older, and may vary by clinic.

Typical conditions that may be treated at a convenience care clinic include:

  • Common infections
  • Minor skin conditions
  • Flu shots
  • Pregnancy tests

To find an in-network convenience care clinic near you, visit www.myuhc.com.

Urgent Care Center

Cost per visit: $30 copay (GW PPO) or 20% coinsurance after deductible (GW HSP)*

Availability: 60 – 80 hours per week

For injuries or illnesses that are non-life-threatening but that require immediate care when your doctor is not available.

What is an urgent care center, and when should I use one? The short answer is: when you need care fast (within 24 hours) outside of your doctor’s regular office hours, and when a convenience care clinic isn’t an option. Urgent care centers often have shorter waiting times and cost less out-of-pocket than the emergency room.

Examples of typical conditions that may be treated at an urgent care center include:

  • Sprains
  • Small cuts
  • Strains
  • Sore throats
  • Mild asthma attacks
  • Rashes
  • Minor infections

Services available vary by center. If you choose to use an urgent care center, make sure it is in-network by calling the number on the back of your UHC ID card or by visiting www.myuhc.com.

Emergency Room

Cost per visit: 20% coinsurance after deductible (GW PPO and GW HSP)*

Availability: 24/7

For immediate treatment of critical or life-threatening conditions.

Sometimes, you have to visit the emergency room. Emergency services are always considered at the in-network benefit level. It is truly in your best benefit in terms of out-of-pocket costs to save the emergency room for emergencies; for conditions that are not emergent, utilize a convenience care clinic or urgent care center.

Examples of emergent conditions – for which you should go to the nearest emergency room or call 911 – include:

  • Heavy bleeding
  • Large open wounds
  • Sudden change in vision
  • Chest pain
  • Sudden weakness
  • Trouble walking
  • Major burns
  • Spinal injuries
  • Severe head injuries
  • Difficulty breathing

*Per visit treatment costs listed reflect costs at the in-network level; out-of-network costs may be higher. Please note that costs for specific guidance and care may vary from those represented here. Emergency room per visit cost estimates include facility charge and initial physician consultation.

doctor holding stethoscope

What Preventive Care Do I Need?

Taking good care of your health is a lifelong commitment, and different stages of life carry unique health considerations. Routine checkups are critical and common to every stage of life. Below are lists of important reminders for women and men in every stage of life, courtesy of UnitedHealthcare. No matter what age you are, be sure to ask your doctor if you are current on shots, screenings and services such as these.*

WOMEN

Teens – catch-up and booster vaccines; HPV vaccines

Young Adults – blood pressure screening; cervical cancer screening; STD screening and counseling (if sexually active)

Pregnant Women – gestational diabetes screening; prenatal checkups

Midlife – cholesterol screening; colorectal cancer screening; mammograms

Older Adults – bone density screening; pneumonia vaccines; shingles vaccines

MEN

Teens – catch-up and booster vaccines; HPV vaccines

Young Adults – blood pressure screening; STD screening and counseling (if sexually active)

Midlife – cholesterol screening; colorectal cancer screening

Older Adults – pneumonia vaccines; shingles vaccines

Additionally, both males and females 6 months and older should receive a yearly flu vaccine. (Side note: Each year, GW offers free flu shots to faculty, staff and retirees during the Open Enrollment fairs in October!)

Learn more about what preventive care you may need on the UHC preventive care website.

*Please note: This is not a complete list of the healthcare services you may need or that are available to you. Speak with your doctor about what may be right for you, and check your benefit plan to see what services may be covered. These guidelines are provided for informational purposes only, and do not constitute medical advice. Individuals with symptoms or who are at high risk for disease may require additional services or more frequent interventions. For information about specific health plan coverage, please refer to GW’s plan documents at https://benefits.gwu.edu or call the toll-free number on the back of your UHC ID card.

The George Washington University, Benefits Tips & Reminders for the New Year

What’s Inside: Benefits Tips and Reminders for the New Year

As we prepare for the New Year, we’d like to share some important reminders and expectations regarding your benefits. The Benefits Tips and Reminders for the New Year packet is now available on our website. Inside, you will find instructions for actions you must take for your medical, prescription, dental, vision, FSA/HSA and legal plan(s). Information provided includes:

  • How to register for online account access
  • How to view, print and request permanent/temporary ID cards
  • How to fill a prescription if you haven’t received your ID card yet
  • How to file FSA paper claim reimbursements
  • How to activate your HSA
  • And more!

Please take the time to carefully review the packet, and be sure to note the deadlines! The document also provides contact information for each vendor, as well as additional tools you can utilize to stay on top of your benefits.

If you have any additional questions regarding your health and welfare benefits, please contact GW Benefits by emailing benefits@gwu.edu or calling (571) 553-8382. You can also connect with us and receive important updates, reminders and announcements by following @gw_benefits on Twitter.

woman on phone

Wellbeing Hotline: Your One-Stop Shop for Work-Life Solutions

Feeling blue? It happens, sometimes. Luckily, as a GW employee, you have access to the Wellbeing Hotline, a special benefit that provides around-the-clock help and support for personal issues, life event planning or even simple daily life management.

When you call the Wellbeing Hotline, you are connected with a work-life specialist who will patiently listen to your concerns and provide qualified referrals and customized resources for:

  • Childcare, parenting and adoption
  • Elder care
  • Moving and relocation
  • Household services
  • School and financial aid research
  • Pet care
  • Home repair and improvements
  • Legal, financial and identity theft concerns

In addition to work-life solutions, the Wellbeing Hotline catalog of resources includes up to five complimentary counseling sessions per year with licensed network professionals; not only are these sessions free, but you also do not have to pay a copay or deductible. The counseling services are tailored to your lifestyle – you have the option of scheduling them to be in-person, by phone or by televideo. During your confidential counseling session, highly trained master’s and doctoral level clinicians will hear your story and refer you to in-person counseling and other resources for:

  • Stress, anxiety and depression
  • Relationship/marital conflicts
  • Problems with children
  • Job pressures
  • Grief and loss
  • Substance abuse

The Wellbeing Hotline is available to you and all members of your household, including dependent children up to age 26 (whether or not they live at home). All services are completely confidential and available at no cost to you. Did we mention that the hotline is available 24/7?

How to take advantage of this benefit:

Call toll-free: (866) 522-8509

TTY: (888) 879-8274

Online: Log in to the mygwu.edu portal using your NetID and password and click on the “Wellbeing Hotline” link under the “Working” tab.

Wellbeing Hotline located under "Working" tab on mygwu.edu portal

Thanksgiving background with leaves and "thank you" message

Giving Thanks

It’s that time of year. Thanksgiving – the official kick-off of the holiday season – is rapidly approaching, and it’s time again to consider all that we have to be thankful for. Indeed, research suggests that doing so can actually elevate the spirits (especially for those who begin to experience the holiday blues this time of year).

A correlation has been found between gratitude and an individual’s wellbeing, including greater happiness.1 Don’t overlook this crucial tool we have access to every day. Here are a few ways you can cultivate gratitude on a regular basis to boost your mood and improve your relationships:

1. Keep a gratitude journal. According to psychologists, including Professor Sonja Lyubomirsky from the University of California-Riverside, maintaining a gratitude journal – in which you record all of the things you have to be grateful for – can increase your energy and relieve pain and fatigue. Keeping a gratitude journal is also a great way to appreciate those little moments in life that can bring you joy.

2. Write thank-you notes. Write a thank-you note to a family member, friend, coworker, neighbor or other person in your life. Let them know you enjoy and appreciate their positive influence on your life.

3. Give back. Find more ways to give back this Thanksgiving. Try volunteering with a local charity, such as a soup kitchen or homeless shelter. Join a cause that is important to you, and donate money, time or talent.

4. Meditate. Take a few minutes during the day for mindful meditation. Focus on the present moment and what you’re grateful for.

5. Change your thinking. If you identify something with a negative trait (the cold room), rewire your thinking to transform that negative trait into a positive one (the room with a great view).

If you are struggling with pre-existing mental health conditions and need professional help, you can take advantage of GW’s Wellbeing Hotline. Available at no cost to you and all members of your household, the Wellbeing Hotline provides confidential, around-the-clock counseling and resources for stress, anxiety, depression, relationship/marital conflicts, substance abuse, job pressures, grief/loss and more. Up to five free counseling sessions are included. Call toll-free at (866) 522-8509 or learn more at go.gwu.edu/well.

1. Simon, Harvey B. “Giving Thanks Can Make You Happier.” Harvard Health Publishing, Harvard Medical School, www.health.harvard.edu/healthbeat/giving-thanks-can-make-you-happier.

Girl using phone

Get Advice from a Nurse, 24/7

Don’t cope with health concerns on your own – free, confidential help is just a phone call or click away. UnitedHealthcare’s NurseLine* is available 24/7 and allows you to speak with experienced registered nurses who can provide you with immediate answers to your health questions.

When you call NurseLine, a registered nurse can help you:

Discuss your options for the right medical care. Understand a wide range of symptoms; determine what type of care may suit your needs; get help deciding if you should seek urgent care, follow-up with your doctor or go to the emergency room.

Find a doctor or hospital. Locate doctors or hospitals that meet your needs and preferences; locate an urgent care center and other health resources in your area.

Understand treatment options. Learn more about a diagnosis; explore the risks, benefits and possible results of your treatment options.

Develop a healthy lifestyle. Get preventive care information, such as nutrition, exercise and weight management tips; learn about important health screenings and immunizations.

Information and advice provided through NurseLine is physician-approved and designed to help guide your healthcare decisions.

Just call (800) 846-4678 or connect through live chat by logging into www.myuhc.com.

You can also meet with UHC on campus to ask questions about your medical or vision claims, network, website and/or benefits coverage. Learn more and make an appointment at https://benefits.gwu.edu/events.

Note: NurseLine should not be used for emergency or urgent care needs. In an emergency, please call 911 or go to the nearest emergency room. The information provided through this service is intended for informational purposes only. Nurses cannot diagnose or recommend treatment, and are not a substitute for your doctor’s care. Your health information is kept confidential in accordance with the law. The service is not an insurance program and may be discontinued at any time.

Dollar bills planted in soil

Top Eight Ways to Prepare for Retirement

Financial security in retirement takes planning and commitment and yes, money.

1. Start saving and keep saving

It’s never too early or too late to start saving for retirement. If you are already saving, keep going! If you aren’t, it’s time to start. Start small if you have to, increasing the amount you save each month. Allow your money more time to grow by starting early.

2. Understand your retirement needs

Retirement is not cheap. Experts estimate that in order to maintain your standard of living when you retire, you will need at least 70 to 85 percent of your preretirement income.1 For a secure retirement, it is necessary to plan ahead. Utilize the retirement calculators on the Fidelity (www.fidelity.com) and TIAA (www.tiaa.org) websites.

3. Learn about GW’s 403(b) and 401(a) retirement plans

You may begin making contributions to GW’s 403(b) Retirement Plan upon employment with the university. GW offers traditional (pre-tax) and Roth (post-tax) options. After completing two years of service* at GW, you will automatically be enrolled in our 401(a) Retirement Plan, to which GW will make a base contribution of 4 percent of your eligible salary. Here’s where it gets really good: If you participate in the 403(b) Retirement Plan, GW will also match 150 percent of the first 4 percent of your contributions, up to a maximum match contribution of 6 percent!

*The two-year service requirement may be satisfied in whole or in part by service at another college or university. Visit www.benefits.gwu.edu/401a-retirement-plan to learn more.

4. Consider basic investment principles

Inflation and the types of investments you make have a major effect on how much you will have saved at retirement. Learn about your plan’s investment options and ask questions along the way. Diversify your portfolio by putting your savings in different types of investments; by doing so, you are more likely to reduce risk and improve return. Over time, your investment mix may evolve depending on various factors such as age, goals and financial circumstances.

5. Contribute pre-tax or post-tax Roth to GW’s 403(b) retirement plan

Currently, you may contribute up to $18,000, per year, to the University 403(b) plan; those who are over 50 years of age may contribute an additional $6,000 for a total of $24,000. The IRS has also announced dollar limitations for retirement plans for the 2018 calendar year; the elective deferral limitations for the 403(b) plan will increase by $500 to $8,500, while the catch-up contribution limits for individuals aged 50 and older for the 403(b) plan will remain the same at $6,000.

6. Try not to touch your retirement savings

If you withdraw from your retirement savings prematurely, you will not only lose principal and interest, but you may also lose tax benefits or face withdrawal penalties. When changing jobs, leave your savings invested in your current retirement plan or roll them over to either an IRA or your new employer’s plan.

7. Learn about your Social Security benefits

On average, Social Security retirement benefits will replace only about 40 percent of what you earned before retirement.2 Estimate your benefit by using the retirement estimator on the Social Security Administration’s website: www.socialsecurity.gov.

8. Ask questions

The tips in this article only brush the surface of what you need to know about saving for retirement. Find more information by visiting www.benefits.gwu.edu/retirement-counseling.

1. Scholz, John Karl, and Ananth Seshadri. 2009. “What Replacement Rates Should Households Use?” MRRCResearch Paper No.2009-214. Ann Arbor, MI: University of Michigan Retirement Research Center.

2. “Prepare For Your Financial Needs.” Retirement Planner: Learn About Social Security Programs, www.ssa.gov/planners/retire/r&m6.html.

American Diabetes Association, #ThisIsDiabetes

This Month, Take a Stand for Diabetes

Diabetes is one of the leading causes of disability and death in the United States. According to the Centers for Disease Control and Prevention, 1 in 11 Americans has diabetes – that’s more than 30 million people. Another 84 million adults in the United States (more than 1 out of 3) are at high risk of developing type 2 diabetes.

American Diabetes Month

Diabetes affects us all. Whether you’re living with diabetes, caring for someone who is or you’re fighting to stop it, there’s a hero in you. This November for American Diabetes Month®, the American Diabetes Association® invites you to put on your cape and take a stand at diabetes.org/thisisdiabetes.

You can take steps to prevent diabetes

Take the Type 2 Diabetes Risk Test for a quick assessment of your risk.

Explore ways you can lower your risk for type 2 diabetes.

Discover ways to prevent or delay type 2 diabetes.

Learn to recognize the symptoms of prediabetes.

If you have diabetes

Recognizing that living with diabetes can be challenging to manage every day, GW will offer CVS Health’s Transform Diabetes Care™ with Livongo (TDC/Livongo), beginning January 1, 2018 for medical plan participants. TDC/Livongo is a total condition level management program designed to help participants improve health outcomes and lower pharmacy costs through three key components: medication adherence, A1C control and lifestyle management. Program features include:

  • Highly personalized support and coaching from Certified Diabetes Educators
  • Comprehensive diabetes visits at MinuteClinic locations at no out-of-pocket cost, including A1C checks
  • A Livongo connected glucometer that uploads your blood glucose level readings to a secure online account and provides you with real-time personalized tips
    • Unlimited test strips and lancets delivered to your door at no out-of-pocket cost
  • Access to digital tools within the CVS Pharmacy mobile app, including medication refill reminders as well as the ability to refill prescriptions via two-way text messaging

With TDC/Livongo, patients can embark on a path to better health by keeping their diabetes under control while reducing their out-of-pocket costs. Please note: Beginning January 1, 2018, diabetic medications and supplies must be filled through CVS Retail or CVS Mail Order.

TDC/Livongo participants are also encouraged to enroll in the UHC Diabetes Management Program, which offers members additional tools and educational resources (such as comprehensive coaching) to help support successful diabetes management.

The Great American Smokeout November 16 American Cancer Society

Commit to Quit Smoking on November 16

According to the American Cancer Society, 36.5 million Americans still smoke cigarettes, and tobacco use continues to be the single largest preventable cause of disease and premature death in the world. This year, the American Cancer Society Great American Smokeout will take place on Thursday, November 16, 2017. Take this opportunity to encourage someone you know to use the date to make a plan to quit, or plan in advance and quit smoking that day.

Learn about how GW’s free Quit For Life® program can help you or an eligible dependent overcome physical, psychological and behavioral addictions to tobacco through coaching, a customized quitting plan and a supportive online community. With the help of expert Quit Coaches®, participants gain the knowledge, skills and behavioral strategies to quit smoking for life. Features of the program include:

  • Unlimited access to phone- and web-based coaching
  • Unlimited access to Web Coach®, an online community for e-learning and social support
  • A printed workbook that helps guide participants through the quitting process
  • Complimentary access to the Text2Quit Program

Call (866) QUIT-4-LIFE (1-866-784-8454), or log on to QuitNow for details or to enroll.

GW’s smoke-free policy is part of an ongoing effort to create a healthy environment for all individuals who live, learn at, visit and work on our campuses. Learn more about GW’s commitment to a smoke-free campus by visiting Smoke-Free GW.