Making Choices that Fit. Annual Enrollment. Dec. 2 Dec. 13. Go to HROnline to make changes Idaho Benefits Guide 1

Size: px
Start display at page:

Download "Making Choices that Fit. Annual Enrollment. Dec. 2 Dec. 13. Go to HROnline to make changes. 2014 Idaho Benefits Guide 1"

Transcription

1 Annual Enrollment Dec. 2 Dec. 13 Go to HROnline to make changes Making Choices that Fit 2014 Idaho Benefits Guide 2014 Idaho Benefits Guide 1 Micron and the Micron logo are trademarks of Micron Technology, Inc. All other trademarks are the property of their respective owners Micron Technology, Inc. All rights reserved. 10/13 EN.L

2 Please see pages 26 through 31 for important legal reminders about the Women s Health and Cancer Rights Act, CHIP, Grandfathered Health Plan Status, HIPAA Privacy and how your prescription drug coverage affects your options under the Medicare prescription drug plans Idaho Benefits Guide 2

3 Your Your Micron Benefits Program As Micron team members know, we are focused on making the most efficient use of our resources to offer health care plans that are competitive and cost-effective. For 2014, our U.S. health care strategy continues to demonstrate this. As we head into the next calendar year, these principles underscore a changing dynamic in the health care industry. This year will see many of the main provisions of the Affordable Care Act (ACA) of 2010 take effect, including the individual mandate requiring health insurance, and the institution of health insurance exchanges. These exchanges, often referred to collectively as the Health Insurance Marketplace, rolled out in October and provide a single, organized web-based environment for individuals to shop for insurance. These exchanges do not have an impact on Micron s group health plan, which will continue to provide health insurance options for team members and their dependents under a competitive cost share structure that is mostly paid by Micron. It s important to note that the health care options offered through Micron s group health plan satisfy your obligation to have insurance under the ACA s individual mandate. The health insurance landscape also changed this year with the Supreme Court ruling that married same-gender couples were entitled to federal benefits. Consistent with the spirit of this ruling, Micron is expanding the definition of spouse for the medical, dental, vision and life insurance plans for 2014 to include legally married same-gender couples. On top of these changes, we also continue to confront rising health care costs in the U.S., and in fact, Micron s health care costs have increased each of the past several years. Even though the company s medical costs have increased substantially, the Micron leadership team made the decision last year to absorb these costs entirely, meaning team member medical, dental, and vision premiums did not increase at all for For 2014, the leadership team has decided to cap the increase for team member medical premiums at 10 percent. Additionally, there will be no increases to dental, vision, or life insurance premiums. As you know, the company strives for a competitive overall cost share strategy in which 80 percent of the bi-weekly premiums are paid by Micron and 20 percent paid by the team member. To regain this cost share philosophy, estimates indicate medical premiums paid by team members for this year would have increased by an average of 19 percent. This means Micron will absorb nearly half of this increase and continue to cover more than 80 percent of the premiums for While other companies have made the choice to pass costs on entirely to their employees, Micron believes mitigating such a dramatic impact to team member premiums is the right thing to do. Because we are capping cost increases this year on top of absorbing them entirely in 2013, this will result in Micron continuing to cover a greater portion of the cost than our cost share philosophy. The company will reevaluate the cost sharing split next year, and it is possible that premium increases may be larger in 2015 to regain this 80/20 mix. In the pages that follow, you ll see we have made some changes to our benefit programs that focus on the needs of you and your family, as well as to improve the efficiency of our plan administration. On the latter, we are moving Voluntary Life Insurance enrollment and changes outside of the AE system to The Hartford system. In addition, beneficiary designation for life insurance will also be done directly using the Hartford system, and designation for your 401(k) beneficiary will move to the Fidelity website. I encourage you to review this guide to learn more about these and other changes, as well as information on premiums and the full range of resources available to manage you and your family s health care decisions. Thank you for supporting our effort to maintain a proactive, informed model of health care that has increased competitiveness in the marketplace and helped control rising costs. We look forward to continuous improvements that will yield long-term benefits for team members and Micron. Pat Otte Micron Vice President of Human Resources 2014 Idaho Benefits Guide 3

4 Table of Contents Annual Enrollment for 2014 Annual Enrollment Dates Annual Enrollment Fairs... 5 What s Changing in 2014? Before Enrolling Sharing Responsibility Opt-Out Credit Selecting the Right Coverage Spouse & Dependents Mid-Year Changes Contact Information Micron Plans FSA Employee Assistance Program Life Insurance Medical Prescription Plan Comparisons Medical Options Full-Time Premiums Part-Time Premiums Receiving Care Micron Family Health Center Benefits Handbook micronhealth.com Important Notices CHIP Medicare Grandfather Status HIPAA Idaho Benefits Guide 4

5 Annual Enrollment for 2014 for 2014 Annual Enrollment Dates for 2014 Dec. 2 (6 a.m. MT) Dec. 13, 2013 (6 p.m. MT) You have a limited time to make your benefit choices for calendar year Enter your changes using the BenefitsAE system available from the MERC between 6 a.m. (MT) on Dec. 2 and 6 p.m. (MT) on Dec. 13, Changes are effective on Jan. 1, You are strongly encouraged to print and carefully review your confirmation statement. This is your proof of 2014 enrollment and will be requested in the event of a dispute. Using the tools and information available will help you fully understand your health care options and enable you to choose coverage that fits your needs. If you are married, it s important that both you and your spouse participate in these decisions to ensure your coverage meets the changing needs of your family. This booklet will remain posted throughout the year as a quick reference guide to your health care benefits for You can find additional detailed information in the Benefits Handbook and the Summary of Benefits Coverage (SBC) described on page 24 and available at micronhealth.com. Annual Enrollment Fairs Representatives from Micron s Medical, Dental and Vision Plans and the Micron Family Health Center will be on-site to provide general plan information and answer questions you may have about coverage and provider networks. Boise Dec. 4 & 5 10 a.m. 2 p.m., Building 17C Cafetorium Boise Dec. 4 & 5 10 a.m. 2 p.m., Building 36 Cafeteria Meridian Nov a.m. 12 p.m., Break room 2014 Idaho Benefits Guide 5 5

6 WHAT S CHANGING IN 2014? 2014 Idaho Benefits Guide 6

7 6 7 What s Changing in 2014? What s Changing for 2014 There are many important changes for Please review this list carefully. Additional information is provided in this Annual Enrollment Guide for these changes, as well as the 2014 Benefits Handbook posted on micronhealth.com. Please contact the HR Customer Service Center at or micron.com if you have specific questions about these changes. 1. Annual Enrollment elections for Voluntary Life Insurance enrollment or changes to existing voluntary life insurance coverage will now be made using The Hartford system. A link within the Annual Enrollment system will be provided during Annual Enrollment, Dec Online Life Insurance and 401(k) Beneficiary Designation functionality is available at The Hartford and Fidelity beginning Dec. 2, All US Micron team members must complete online beneficiary designation for Life Insurance and 401(k) using these systems. Your updated beneficiary designation will become in effect immediately once you have completed the process on ielect.com and 401k.com. Existing Micron beneficiary designation forms will become null and void on June 30, Micron is expanding the definition of Eligible Dependent for the Medical, Dental, Vision, and Life Insurance plans to include Same-Gender Spouses. Eligible Dependents will include same-gender spouses legally married in any state or foreign jurisdiction that recognizes such marriages, regardless of where you currently live. All plan provisions and requirements will be enforced for same gender spouses in the same manner as enforced for opposite gender spouses, including mid-year changes rules. Please note that only married spouses are eligible. Dependents living in a civil union, civil partnership, domestic partnership, registered partnership, unregistered partnership, and unregistered cohabitation are not eligible. 4. Changes to Medical Opt-Out. You must manually decline Micron medical coverage by selecting Medical Opt Out during Annual Enrollment each year. The system will no longer default you to the opt out selection. If you fail to make your opt-out medical election, you will be enrolled for employee only coverage under the Standard Medical Plan for Changes to the Standard and Premium Medical Plans 1. There are three changes for diabetic test strip coverage effective Jan.1, 2014: a. Micron will pay 100 percent of the cost of diabetic test strips when obtained through the Standard or Premium prescription benefit. b. Diabetic test strips must be obtained from a contracting pharmacy provider under the prescription drug benefit. c. Currently our benefits allow for insulin dependent diabetics to receive test strips for zero cost share. We realize the importance blood glucose monitoring plays in all forms of diabetes, so we have enriched our benefits to allow all test strips at zeromember cost share. 2. Prescription Smoking Cessation medications will be covered, for any enrolled participants, at 100% under the Standard and Premium prescription drug benefit. Over-the-counter and non-prescription smoking cessation medications and aids will continue to be excluded from the plan. 3. Covered participants are eligible for one pair (or two single) prescription orthotic arch/foot supports per calendar year. Deductible and co-insurance apply, per your medical plan enrollment. Over-the-counter and non-prescription arch/foot supports will continue to be non-covered items. 4. Treatment for adult (team member and spouse) alcohol and substance abuse treatment will no longer be plan exclusions effective Jan. 1, Coverage for alcohol and substance abuse treatment will be subject to all plan provisions including, but not limited to: regarding pre-authorization, medical management, and medical necessity. 5. Vision Therapy/Orthoptics will be a covered therapy service under the plan. Vision therapy services must meet medical necessity requirements as outlined in the Benefits Handbook. 6. Tier 2 of the prescription drug table is expanding to also include 1st Generics. A 1st Generic prescription drug is a medication that is a chemically equivalent copy designed from a brand name drug whose patent has expired, requires a prescription, is marked under its chemical name, and is manufactured by less than two generic manufacturers. 1st Generics are also known as Single Source generic medications. Generic Formulary Brand Name 1st Generic Brand Name Non-Formulary 31-Day Supply Co-pay 15% ($7 min/ $35 max) 25% ($25 min / $75 max) 35% ($50 min / $125 max) *Generic medications do not include any bio-similar medication (when available) There are no changes to the Micron Dental or Vision Plans for Idaho Benefits Guide 7 7

8 BEFORE ENROLLING Your Micron Benefits Program Opt-Out Credit Selecting the Right Coverage Spouse & Dependents Mid-Year Changes Contact Information 2014 Idaho Benefits Guide 8

9 8 12 Before Enrolling Your Micron Benefits Program Opt-Out Credit Selecting the Right Coverage Spouse & Dependents Mid-Year Changes Contact Information Your Micron Benefits Program Paying for Your Coverage A Shared Responsibility Both you and Micron share the cost of your benefits coverage, with Micron contributing the majority at approximately 80 percent of the total cost. Health insurance premiums (medical, dental and vision) and Flexible Spending Account (FSA) contributions are deducted from your paycheck before taxes. Premiums for life insurance (supplemental, spouse, and child) are deducted from your paycheck after taxes. Bi-Weekly Premium Deductions Bi-weekly premiums for the Standard and Premium Medical Plans will increase for Bi-weekly premiums for the Dental Plan and Vision Plan will not increase for Supplemental and Spouse Life Insurance Premiums will not increase for To review 2014 premiums, see pages 21 & 22. Your Jan. 10, 2014, paycheck will have a prorated premium deduction amount. This pay period covers benefit elections from Dec. 22, 2013, through Jan. 4, This paycheck will include ten days of prorated premiums for your 2013 elections and four days of prorated premiums for your 2014 elections. Your 2014 Health Care Flexible Spending Account (FSA) and 2014 Day Care Flexible Spending Account (FSA) premium deductions will begin on this paycheck. Your Jan. 24, 2014, paycheck will have the first full biweekly 2014 premium deductions as this pay period covers benefit elections from Jan. 5 through Jan. 18, Opt-Out Credit for 2014 Team members who have opted-out of the Medical Plans are not eligible to visit the Micron Family Health Center in Boise, Idaho or the MTV Health Center in Manassas, Virginia for personal medical care. All regular Micron team members and interns may use the clinic for occupational health or work incident medical care. If you wish to Opt-Out of Micron Medical coverage for 2014, your 2013 Opt-Out election will not carry forward and you must make an Opt-Out election during Annual Enrollment (Dec. 2 13). If you are a full-time team member and opt-out of medical coverage for 2014, the prorated portion of the $12 per pay period opt-out credit will be on your Jan. 10, 2014, paycheck. On Jan. 24, 2014, you will see your first full $12 opt-out credit for Tips for Selecting the Right Coverage Medical plan summaries, comparison grids and a 2014 premium rate chart have been included in this guide for your reference. As You Weigh Your Options, Ask Yourself the Following Questions: Will the Health Care Flexible Spending Account (FSA) plan help me? If you expect to have out-of-pocket expenses in 2014 for deductibles, co-payments or prescription medications, you may be able to pay for them using pre-tax dollars that you set aside through the Health Care FSA plan. This is a reimbursement plan that allows you to stretch your dollars by being reimbursed for your eligible expenses using pre-tax money. Read the section in this guide on FSA plans for special rules and considerations. Does my doctor have to be in the network? You will receive the greatest medical benefit when you visit a contracting medical provider. If you use a non-contracting provider, you will pay a higher deductible and co-insurance, and you will be responsible for all charges over the maximum allowance, set by the insurance provider for that service. Your outof-pocket costs may be significantly higher if you obtain services from a non-contracting provider. Benefit payments will be based on your provider s network affiliation on the date of service and the Idaho county in which services were provided. In the event your provider is not represented in either the MHPN or Wise PPO network, non-network benefit coverage levels will apply. My doctor is not listed as a contracting provider. How do I nominate them? If your doctors are not currently contracting and you would like to nominate them, you can find the provider nomination forms at micronhealth.com. Should I add my child to the Dental Plan? Children generally begin routine dental care around age three. Enrolling your child earlier or later might make more sense for you depending on your family s dental history. When should I enroll my children in the vision plan? Children should have their eyes examined by an eye doctor at least by the time they begin school. Enrolling your child earlier might make more sense for you if your family has a history of vision problems Idaho Benefits Guide 9 9

10 8 12 Before Enrolling Your Micron Benefits Program Opt-Out Credit Selecting the Right Coverage Spouse & Dependents Mid-Year Changes Contact Information Does Micron offer a Hearing Plan? Micron does not provide a hearing aid benefit; however, VSP has partnered with TruHearing to provide an opportunity for Micron team members and their covered dependents enrolled in the Micron vision plan to obtain hearing aids at discounted pricing through a TruHearing membership. See the Merc for additional information. What other coverage do I have? As you make your choices, consider all coverage options you may have available through a spouse s employer, through individual insurance arrangements (private medical insurance policies, for example) or through government plans (Medicare or Medicaid, for example). Choice 1 Waive Micron coverage. You may choose to optout. Micron will reimburse $12 each pay period when you opt-out from the medical plan. The opt-out credit is available to full-time team members. Choice 2 Carry coverage on a Micron plan and another plan. Micron s plan will coordinate with the other plan so that the combined benefit paid does not exceed the Micron Plan benefit for services. Most people receive little additional benefit from having double coverage, unless one of the plans provides significantly less coverage than the other plan. Might I be better served by another plan than the one I m on now? Every year, certain details of Micron s plans change due to changing laws, cost considerations or changes in consumer demand. Make sure you carefully review the information contained in this 2014 Annual Enrollment guide. Is my address up to date? To ensure you receive communications from the medical, dental, vision, FSA, and life insurance vendors, please make sure your addresses are up to date. You can verify and update both your mailing and permanent address by searching for Personal Information using the MERC search function. Is my Life Insurance and 401(k) beneficiary information up to date? You must update your beneficiary information on-line. The life insurance beneficiary information is stored online at The Hartford. The 401(k) beneficiary information is stored online at Fidelity. You will need to update your beneficiary information for your life insurance at ielect.com, and your 401(k) beneficiary information at 401k.com on or before June 30, Additionally, please update your beneficiary designation online if you experience a mid-year event or if you are unsure whom you currently have listed as your beneficiary. The online beneficiary functionality will be available beginning Dec. 2, When Two or More Family Members Work at Micron Do you and your spouse both work at Micron? Do you have children who need coverage? There are many different ways to set up your insurance coverage; however, keep in mind no individual (employee or dependent) may be covered by more than one Micron medical, dental or vision plan at any given time. Please contact the HR Customer Service Center to discuss if you have any questions regarding the coverage election options available to you and your family. Life Insurance If you and your spouse are both full-time team members, and you wish to purchase additional life insurance, you must enroll individually for supplemental life insurance. Hartford s life insurance policy does not allow an employee to purchase coverage through spouse life insurance for a spouse who is also a team member. Micron team members who are married to another Micron team member may each carry child life insurance on the same eligible dependent children. Dependent Eligibility 2014 Idaho Benefits Guide 10 10

11 8 12 Before Enrolling Your Micron Benefits Program Opt-Out Credit Selecting the Right Coverage Spouse & Dependents Mid-Year Changes Contact Information Dependent eligibility is based on the Internal Revenue Code definition and can be very complicated. In general, in order to qualify for Micron s insurance plans your dependent must be one of the following: A spouse A child or stepchild under age 26 A child or stepchild with mental or physical disability Full details of dependent eligibility requirements are available in the Benefits Handbook. If you are unsure whether your dependent meets the eligibility requirements, be sure to verify by contacting the HR Customer Service Center. Phil is a team member and gets married on Oct. 10, 2013 and wants to add his wife to his benefit plans. He will need to submit an Insurance Change Form to the HR Customer Service Center within 60 days of the marriage. His wife s coverage would be effective the first day of the month following receipt of his Insurance Change Form. If Phil only enrolls his wife through the BenefitsAE system, her coverage will begin Jan. 1, 2014, and will not be in effect prior to that date. Mid-Year Changes Remember changes must be made within specific timelines of the event date. See the Benefits Handbook on micronhealth.com for information regarding mid-year events and deadlines. In compliance with federal regulations, your participation in Micron s health plans cannot be changed during the plan year unless you or the company experience an event that allows a midyear enrollment change. The Life Event: What If drop down from any page on HROnline will guide you through what to consider when you get married, have a child or experience an event that could impact your benefits. It also provides instructions for completing any changes. See the Benefits Handbook for specific mid-year change details and mid-year change effective dates, as well as information for special enrollment rights through CHIP or WHCRA that you may qualify for. Mid-year changes cannot be made through the BenefitsAE system. You must complete and submit a mid-year change form found on micronhealth.com. Please allow seven to ten days processing time for all mid-year changes. Sarah is expecting a baby on Dec. 26. She can t decide if she should enroll in a 2014 Health Care Flexible Spending Account during Annual Enrollment. If Sarah enrolls for a 2014 Health Care FSA during Annual Enrollment and the baby is born in December, then the birth and other expenses incurred prior to Jan. 1, 2014, are not reimbursable under her 2014 Health Care FSA enrollment. If Sarah enrolls in the Health Care FSA during Annual Enrollment and the baby is born on or after Jan. 1, 2014, then the birth expenses would be reimbursable under the 2014 Health Care FSA enrollment. Sarah is permitted to enroll in the Health Care FSA mid-year due to the birth of her child; however, FSA enrollments due to a qualified event are always effective first of the month following receipt of the insurance change form. Therefore, the birth expenses would not be reimbursable under the Health Care FSA as the plan was not in effect on the date of birth Idaho Benefits Guide 11 11

12 8 12 Before Enrolling Your Micron Benefits Program Opt-Out Credit Selecting the Right Coverage Spouse & Dependents Mid-Year Changes Contact Information Contact Information Medical DakotaCare (DAS) / micronhealth.com Dental Blue Cross of Idaho / bcidaho.com Vision VSP / vsp.com Flexible Spending Account Flores & Associates / flores247.com Life and ADD Insurance The Hartford / ielect.com Personal Health Advisor (PHA) Brent Frazier Business Travel Accident Insurance Chubb Employee Assistance Program Health Management Systems of America my-life-resource.com Short-Term Disability Matrix Long-Term Disability Reliance Standard Long Term Care Genworth Genworth.com/groupltc St. Al s Resource Center St. Alphonsus MCRN (6276) Identify yourself as a Micron participant 401(k) Retirement Fidelity Investments / 401k.com Micron Benefits Micron HR Customer Service Center or Micron Family Health Center Boise Main Campus Idaho Benefits Guide 12 12

13 MICRON PLANS FSA Employee Assistance Program Life Insurance Medical Prescription 2014 Idaho Benefits Guide 13

14 13 18 Micron Plans FSA Employee Assistance Program Life Insurance Medical Prescription Flexible Spending Accounts (FSA) Stretching Your Dollars Has Never Been Easier! As health care costs continue to soar, employers strive to find employee benefit programs that help reduce the financial burden on employees. One such arrangement, established by the IRS, is the Flexible Spending Accounts (FSAs). As an employee, you save money by reducing your taxable income. The funds you elect are set aside from your paycheck pre-tax to reimburse you for qualified expenses for yourself, your spouse, and any dependents claimed on your federal tax return. Micron offers two different FSAs for full-time team members. Health Care FSA The Health Care FSA is used to reimburse you for health care expenses for you and your eligible dependents. This includes things like co-pays, coinsurance, deductibles, and prescription drugs. Over-the-counter medications are no longer eligible for Health Care Flexible Spending Account (HCFSA) reimbursement. The 2014 annual limit for Health Care FSA is $2,500. Day Care FSA The Day Care FSA is used to reimburse you for day care expenses (for example, child day care or elder day care) for your eligible dependents. The Day Care FSA does not reimburse any health care expenses. Non-custodial parents (those who do not have legal custody and do not have care-taking responsibility for the child on a day-to-day basis) cannot be reimbursed for day care expenses under the Day Care FSA. The 2014 annual limit for Day Care FSA is $5,000. Because these are tax-free dollars, the IRS has established a few rules you need to keep in mind when participating in FSAs: You must re-enroll every year. Even if you enrolled in an FSA for 2013, you will NOT be enrolled in 2014 unless you re-enroll during this annual enrollment period. You may not change or stop your participation at any other time during the year unless you experience a qualified mid-year event. Important note to keep in mind when calculating your FSA enrollment: Changes made as a result of a mid-year event are effective the first day of the month following the HR Customer Service Center s receipt of your insurance change form. The effective date is not retroactive to the date of the event. Unused contributions cannot be transferred from one FSA to another. For example, if you enroll in the Day Care FSA, you will not be able to transfer funds from the Day Care FSA to the Health Care FSA if you don t use all of those funds for day care expenses. Therefore, it is very important that you make your choices carefully. Use-it-or-lose-it Rule: You forfeit any amounts remaining in your account(s) at the end of the plan year (see Special Rules for FSA Plan Years on the next page). If you enroll or make a mid-year change to your FSA, we encourage you to print and review your confirmation statement carefully to verify your 2014 FSA choices. This is your proof of enrollment and will be requested in the event of a dispute. Calculating Your Flexible Spending Account (FSA) Deduction Micron s FSA administrator, Flores & Associates, has a worksheet to help you determine how much to put into an FSA. An online calculator can be found on their website at flores247.com. While FSAs provide a great opportunity to save on taxes for most people, we advise that you speak with your tax advisor before enrolling in an FSA to find out if participation will benefit you. Keep in mind the use-it-or-lose-it rule when determining your annual FSA contribution amount. Mid-Year Change FSA Effective Date: Important Reminder Important Reminder Any mid-year change in contribution is effective on the first day of the month following receipt of your insurance change form. Eligible expenses must be incurred after the date of the enrollment effective date. For example, if your child is born on Jan. 15 and you choose to participate in this plan by submitting an insurance change form on Jan. 20, your participation in this plan will begin on Feb. 1. This means medical costs connected with the birth of the child on Jan. 15 cannot be reimbursed through this plan. Detailed information about FSAs can be found in the Benefits Handbook and on the Flores and Associates website at flores247.com Idaho Benefits Guide 14 14

15 13 18 Micron Plans FSA Employee Assistance Program Life Insurance Medical Prescription 2014 Day Care FSA Enrollment 2014 Health Care FSA Enrollment Plan Year: Jan. 1, 2014, through Dec. 31, 2014 Plan Year: Jan. 1, 2014, through March 15, 2015 Claims must be submitted by March 31, 2015 Claims must be submitted by March 31, 2015 Special Rules for FSA Plan Years If you enroll in Micron s Health Care FSA, your eligible expenses must be incurred between Jan. 1, 2014, and March 15, You have until March 31, 2015, to submit reimbursement requests for the 2014 plan year. However, if you enroll in Micron s Day Care FSA, your eligible expenses must be incurred between Jan. 1 and Dec. 31, You can request reimbursement for eligible expenses until March 31, Employee Assistance Program Micron provides an Employee Assistance Program (EAP) to our full-time team members. The Micron EAP is provided by Health Management Systems of America (HMSA). The Micron EAP provides 24-hour a day, short term support and referral services for team members and their families coping with emergencies or with the challenges of everyday life. The EAP can help with emotional and mental health issues, financial issues, family, relationship and marriage/divorce, substance abuse, and legal issues. The Micron EAP provides for unlimited phone support and up to three (3) face-to-face consultations per issue. HMSA counselors are available to assist you with any issue or problem 24-hours a day, seven days a week. To speak with an EAP counselor, call HMSA also provides many online informational resource articles and legal and financial resources for our team members and family members at my-life-resource.com. Username: hmsa Password: myresource Life Insurance Now is a Great Time to Think About Your Life Insurance Needs Full-time team members are able to enroll in, or increase your current enrollment, for supplemental life and Accidental Death and Dismemberment (AD&D) coverage during Annual Enrollment without going through an underwriting process, subject to the limitations listed below. This means that you do not have to fill out paperwork or go through an approval process in order to increase your supplemental life and AD&D insurance. You simply enter your desired coverage amount in The Hartford system during Annual Enrollment. You can increase your supplemental life and AD&D coverage (additional coverage for yourself) each year, up to the maximum amount allowed, which is the greater of five times your base pay or $200,000, not to exceed $1,000,000. Medical underwriting is not required on the first $30,000 of additional supplemental life and AD&D insurance you request during Annual Enrollment. There is one exception to this rule medical underwriting is always required on supplemental life and AD&D insurance amounts over $300,000. For example, if you currently have $280,000 in supplemental life and AD&D insurance and you request an additional $30,000 during Annual Enrollment, only $20,000 is provided without medical underwriting. The additional $10,000 requires medical underwriting. Coverage increases that are not subject to underwriting are effective Jan. 1, Coverage requiring The Hartford approval will be effective the first of the month following our notification of the approval. It is your responsibility to contact The Hartford directly via the online system or by phone at after Jan. 1, 2014, to track the progress and address questions or concerns regarding your pending life insurance request. Micron does not monitor pending requests at The Hartford. All pending requests will be closed after 120 days of inactivity Idaho Benefits Guide 15 15

16 13 18 Micron Plans FSA Employee Assistance Program Life Insurance Medical Prescription Spouse Life and AD&D Insurance Additional Life Insurance for Your Spouse Full-time team members can increase your spouse life and AD&D coverage up to the maximum amount allowed, which is an amount equal to the total amount of basic and supplemental life insurance coverage you have on yourself, not to exceed $500,000. There is no medical underwriting required on the first $10,000 of additional spouse life and AD&D insurance you request during Annual Enrollment with one exception to this rule; medical underwriting is always required on spouse life and AD&D insurance amounts over $50,000. For example, if you currently have $50,000 in spouse life and AD&D insurance and you request an additional $10,000 during Annual Enrollment, the additional $10,000 will require medical underwriting. Coverage increases that are not subject to underwriting are effective Jan. 1, Coverage requiring The Hartford approval will be effective the first of the month following our notification of the approval. Child Life Insurance Full-time team members can enroll in child life insurance coverage for amounts of $5,000 or $10,000. Medical underwriting is not required on child life insurance whether you are enrolling for the first time or increasing the amount from $5,000 to $10,000. Coverage changes will be effective Jan. 1, Life Insurance Delayed Effective Date Increases in life insurance coverage (including those not requiring medical underwriting) are delayed for you if you are absent from work due to a medical condition on Jan. 1, Your increase in coverage begins on the first day you return to work as an active, full-time team member. Increases in life insurance coverage for your dependents are delayed if they are confined at home, in a hospital or elsewhere, because of a medical condition on Jan. 1, Your dependents increase in coverage begins when they are discharged from the hospital or are no longer confined, and have engaged in substantially all the normal activities of healthy people of the same age for a period of at least 15 consecutive days. Expanded Services through The Hartford Your Micron Life Insurance coverage includes the following additional benefits at no cost: Employee Travel Assistance Program: This program provides for travel assistance such as pre-trip information, emergency medical assistance, and emergency personal services when traveling more than 100 miles from home. Life Conversations and Everest Funeral Planning: Life Conversations help families prepare for the future and provide assistance navigating through end-of-life discussions, including funeral planning and grief counseling. Estate Guidance: This service helps you to create a simple will with the support of licensed attorneys. Beneficiary Assist: As a named beneficiary to a Micron life insurance claim, your benefits include unlimited phone counseling, financial planning, and legal information. You can access additional information and details regarding these expanded benefits by visiting the Health Benefits page on HROnline. Medical Plans Administered by DAKOTACARE Administrative Services (DAS) The Standard and Premium Plans are administered by DAKOTACARE Administrative Services (DAS). DAS has a dedicated customer service staff to assist you and your covered dependents. Please contact DAS with any network, claims, or customer service issues at between 7:30 a.m. and 6 p.m. Central Time. You can also access the DAS website at micronhealth.com. Standard Plan If you have no dependents, if you and your covered dependents rarely use your medical coverage, or if the majority of your medical needs can be met through the Micron Family Health Center, or a Micron Health Partners Network (MHPN) provider, the Standard option may be right for you. Keep in mind, if you and your dependents are covered under the Standard plan and your provider orders blood work or laboratory tests, most often you can obtain these services at the Micron Family Health Center at a much lower cost for you and for Micron. The Standard Plan has the lowest team member premium, but has a higher co-pay, deductible and coinsurance structure. If you rarely use your medical coverage, the lower premium may outweigh the higher deductible, co-pay, and coinsurance Idaho Benefits Guide 16 16

17 13 18 Micron Plans FSA Employee Assistance Program Life Insurance Medical Prescription Premium Plan If you or your covered dependents expect costly medical care, or if you need ongoing medical care, this option might be right for you. The Premium Plan has a higher team member premium than the Standard Plan, and generally a lower cost at the time of service. If you need hospital services, this option covers a larger portion of the bill (compared to the Standard Plan), with lower deductible and coinsurance amount. If you have limited medical expenses throughout the year, you could be over insured and the Standard Plan may be more cost effective for you and your family. Keep in mind, if you and your dependents are covered under the Premium Plan and your provider orders blood work or laboratory tests, most often you can obtain these services at the Micron Family Health Center at a much lower cost for you and for Micron. The Micron Standard and Premium medical plans are designed to allow you the freedom to go to any provider you choose. However, you will receive the greatest savings when you use a contracting physician or hospital. Provider Choice Keep in mind that using a non-network provider means you are responsible for charges that are higher than the plan s maximum allowable. Payment for services obtained at a non-network provider may be sent directly to you. If you receive a check from DAS, it is your responsibility to pay the physician and hospital directly for the entire bill using the check from DAS along with your portion of the charges. Any failure to pay bills to a hospital or medical provider could have personal credit implications. You are responsible for payment of these services. Your out-of-pocket costs may be significantly higher if you obtain services from a noncontracting provider. You can view network providers for the Standard and Premium medical plans by going to micronhealth.com. Under the Standard and Premium Plans, there are four provider choices. Your out-of-pocket expenses will depend on the provider you select each time you obtain medical services. Like most medical insurance plans, the greatest savings is received when you use a contracting physician or hospital. If you choose doctors or hospitals outside of the MHPN, your out-of-pocket expenses will increase. Micron Family Health Center The Micron Family Health Center is an option for team members and their eligible dependents to obtain medical care at a very affordable rate. The health center is staffed and prepared to be your family doctor. Services will be added in response to utilization. Micron Health Partners Network (MHPN) The Micron Health Partners Network has been created for Micron team members and their dependents. The network includes select Treasure Valley doctors and the Saint Alphonsus hospital system, which have joined with Micron in a commitment to approach all aspects of medical services in innovative ways to drive cost efficiency and results. Using these contracted providers produces the greatest cost savings in health care for you and Micron within Ada, Canyon, Boise, Elmore and Gem counties. For assistance finding a Saint Alphonsus Medical Group provider or a specialist, or for information on using Saint Alphonsus hospital facilities including Urgent Care and Express Care clinics, you may call the Saint Alphonsus Medical Resource Line for Micron s and Family at MCRN (6276). When calling the Saint Alphonsus Medical Resource Line (368-MCRN), it is important that you identify yourself as a Micron participant. This will help Saint Alphonsus address your questions and provide the appropriate assistance to you and your family members. Wise PPO Provider Network The Preferred Provider Organization (PPO) option for services within Ada, Canyon, Boise, Elmore and Gem counties is the Wise Provider Network. Using these contracted PPO providers allows you and Micron to share in reduced healthcare costs. Private Health Care System (PHCS) The travel provider network, Private Health Care System, is affiliated with MultiPlan. PHCS is a broad national network of providers available to cover your medical care outside Ada, Canyon, Boise, Elmore and Gem counties. (Please note: Services provided within the five counties by a PHCS or MultiPlan provider are at the non-network benefit level.) The PHCS network of providers offers the lowest cost options to team members and Micron. MultiPlan providers are in the network; however, there is an increased cost to both team members and Micron when services are obtained from the MultiPlan network providers rather than PHCS network providers. Your cost depends on which doctors and hospitals you choose to use. You should look first for a provider in the PHCS network when obtaining services outside Ada, Canyon, Boise, Elmore, and Gem counties. Other Medical or Pharmacy Coverage If you are covered on a Micron medical plan, you should notify DAS if you or your covered dependents gain other medical and/ or pharmacy coverage so that DAS can coordinate your Micron benefits with your other benefits. If DAS does not have updated coordination of benefits information, your claim payments may be delayed or denied. To update your information regarding your other insurance, please contact DAS at Idaho Benefits Guide 17 17

18 13 18 Micron Plans FSA Employee Assistance Program Life Insurance Medical Prescription If You Have an Accident DAS accident questionnaires are issued upon receipt of a claim in which the codes may indicate are the result of an accident. DAS cannot continue processing payment on the claim until the accident questionnaire has been returned. To provide information regarding this questionnaire, please contact DAS at Prescription Drug Plan Your cost is based on the classification of your prescription drug within three tiers Generic, Formulary Brand Name, or Brand Name Non-Formulary in the DAS formulary. Prescription drugs purchased outside the United States will only be covered for participants living outside the United States. Prescription drugs purchased outside the United States while traveling will be limited to a supply appropriate for the length of travel. Prescription drug costs are a large component of medical costs. You should talk with your provider to investigate lower cost brand name prescriptions or generic alternatives. Now is the right time to start choosing generic drugs. Price doesn t always guarantee greater quality. Generic medications are widely accepted by physicians, pharmacists and health plan providers. Currently, over 70 percent of Micron s medications dispensed annually are generic drugs. The availability of generic drugs is constantly expanding. Many of the best-selling, most widely available brand name drugs are available as generic medications for common medical conditions, including: High cholesterol Heartburn Allergies Depression High blood pressure If you are prescribed a medication that has a medically appropriate generic substitute, the physician allows for the generic equivalent, and you choose the brand name drug over the generic equivalent, you will pay the brand name co-pay plus the difference between the cost of the brand name and the generic. It s your choice generic medications can offer a safe and cost effective alternative to brand-name drugs. You may want to discuss a generic option with your doctor and pharmacist. When you get a prescription, find out whether a generic drug is available and whether it is appropriate for you. Discuss these questions with your doctor: Is there a generic drug that is appropriate for my condition? If a generic is not available, is there a lower-cost brand name drug appropriate for my condition? What is the potential for any side effect if I change medications? Visit the FDA website at fda.gov/cder or call 888-INFO-FDA for additional generic drug information. Prescription Network CVS Caremark The Standard and Premium plans use the CVS Caremark (CVS) pharmacy network. To look up participating CVS Caremark pharmacies, visit micronhealth.com Your cost is based on the classification of your prescription drug within three tiers Generic, Formulary Brand Name or Brand Name Non-Formulary in the DAS formulary (see below). The costs for a 31-day prescription supply are shown in the chart below: Generic Formulary Brand Name 1st Generic Brand Name Non-Formulary 31-Day Supply Co-pay Prescription Mail Order CVS Caremark If you utilize mail order for your prescription delivery, you will need to complete a CVS Caremark prescription enrollment form for each drug you receive. The CVS mail order forms are available at the HR Customer Service Center or by calling to request a mail order form. Pharmacy Formulary DAS Formulary Your prescription drug formulary is the DAS formulary. A formulary is a list of covered prescription drugs selected by DAS in consultation with a team of health care providers. The list represents the prescription therapies believed to be a necessary part of a treatment program. DAS will generally cover the drugs listed in their formulary as long as the drug is medically necessary, the prescription is filled at a CVS Caremark network pharmacy and other plan rules are followed. To view the DAS formulary visit micronhealth.com. Pharmacy Pre-Authorization and Non-Covered Product Lists 15% ($7 min/ $35 max) 25% ($25 min / $75 max) 35% ($50 min / $125 max) *Generic medications do not include any bio-similar medication (when available) Some drugs require pre-authorization under DAS process and prescription requirements. Visit micronhealth.com to find a list of drugs that will require pre-authorization. Please review the list of drugs requiring pre-authorization prior to picking up your prescription at the pharmacy to avoid delays. There are also drugs, or types of drugs, that are not covered under the prescription drug benefit. Visit micronhealth.com to find a list of non-covered products. Please note: Non-sedative antihistamines (Brand name and Generic), as well as any other drugs that are available overthe-counter, are not covered under the prescription plan Idaho Benefits Guide 18 18

19 PLAN COMPARISONS Medical Options Full-Time Premiums Part-Time Premiums 2014 Idaho Benefits Guide 19

20 19 22 Plan Comparisons Medical Options Full-Time Premiums Part-Time Premiums Medical Options Comparison of 2014 Medical Plans at Micron Technology, Inc. Premium Plan Standard Plan Micron Family Health Center MHP Network PPO Network Non- Network Micron Family Health Center MHP Network PPO Network Non- Network Calendar Year Deductible Out-of-Pocket Maximum Inpatient Services Individual N/A $150 $300 $450 N/A $300 $500 $700 Family N/A $300 $600 $900 N/A $600 $1,000 $1,400 Individual N/A $1,000 $2,000 $3,000 N/A $2,000 $3,000 $4,000 Copay per Admit N/A N/A $ % $ % N/A N/A $ % $ % Surgical N/A 10% 20% 40% N/A 25% 35% 50% Maternity N/A 10% 20% 40% N/A 25% 35% 50% Ambulance N/A 10% 10% $100 Copay (waived if admitted) 10% $100 Copay (waived if admitted) N/A 25% 25% $100 Copay (waived if admitted) 25% Outpatient Services Emergency Room N/A 10% 20% 40% N/A 25% 35% $100 Copay (waived if admitted) + 50% Major Diagnostic N/A 10% 20% 40% N/A 25% 35% 50% Office Visit $10 Copay $15 Copay $30 Copay 40% $10 Copay $20 Copay $40 Copay 50% Professional Services Specialist Office Visit N/A $20 Copay $40 Copay 40% N/A $30 Copay $50 Copay 50% Preventive Care $0 1st visit $0 1st visit $0 1st visit $0 up to maximum allowance 1st visit $0 1st visit $0 1st visit $0 1st visit $0 up to maximum allowance 1st visit Prescription Drugs Generic (Formulary) N/A 15% ($7 Min/$35 Max) N/A 15% ($7 Min/$35 Max) Brand N/A 25% ($25 Min/$75 Max) N/A 25% ($25 Min/$75 Max) Brand (Non-Formulary) N/A 35% ($50 Min/$125 Max) N/A 35% ($50 Min/$125 Max) Note: Copays, co-insurance percentages, and deductibles shown above reflect participant s cost. Co-insurance percentages are after the deductible is met. Copays and amounts over maximum allowable do not apply toward your deductible or out-of-pocket maximum. Services obtained from PHCS and MultiPlan providers outside Ada, Boise, Elmore, Canyon, and Gem Counties will be covered at the MHP Network Level. Services obtained from PHCS and MultiPlan providers within Ada, Boise, Elmore, Canyon, and Gem Counties will be covered at the Non-Network Level Idaho Benefits Guide 20 21

OUTSIDE IDAHO MEDICAL, DENTAL, AND VISION PLANS

OUTSIDE IDAHO MEDICAL, DENTAL, AND VISION PLANS This section of the benefits handbook is applicable to Micron Self Insured Health Plans. Team members assigned to a Northern California or Virginia employment location in Micron s internal database are

More information

Open Enrollment. and Summary of Material Modifications. prepared for

Open Enrollment. and Summary of Material Modifications. prepared for 2016 Open Enrollment and Summary of Material Modifications prepared for Medical/Vision, Dental, Disability, Life/AD&D, Flexible Spending Accounts, Employee Assistance Program 2016 Open Enrollment and Summary

More information

Open. Enrollment. Welcome to

Open. Enrollment. Welcome to Open Welcome to Enrollment 2 0 1 0 Open enrollment for active full-time employees and eligible part-time faculty will take place from October 1 through October 31, 2009. Because LACCD is joining the CalPERS

More information

2016 Annual Enrollment Benefits Snapshot

2016 Annual Enrollment Benefits Snapshot Farm Credit Foundations 2016 Annual Enrollment Benefits Snapshot Go to FarmCreditFoundations.com to see all 2016 changes including a unique opportunity for some employees to increase their Group Universal

More information

THE PATIENT PROTECTION AND AFFORDABLE CARE ACT (PPACA/ACA/ OBAMACARE ) & ITS IMPACT ON MUHLENBERG. 2015: What s changing and what s not!

THE PATIENT PROTECTION AND AFFORDABLE CARE ACT (PPACA/ACA/ OBAMACARE ) & ITS IMPACT ON MUHLENBERG. 2015: What s changing and what s not! THE PATIENT PROTECTION AND AFFORDABLE CARE ACT (PPACA/ACA/ OBAMACARE ) & ITS IMPACT ON MUHLENBERG 2015: What s changing and what s not! Affordable Care Act (ACA)- Continued Impact in 2015 In 2011, ACA

More information

2016 Open Enrollment: November 2 20

2016 Open Enrollment: November 2 20 2016 Open Enrollment: November 2 20 Important Dates Monday, November 2: Open Enrollment Begins Friday, November 13: Benefits Fair, Administrative Campus Center Friday, November 20: Last Day of Open Enrollment

More information

Cornerstone Benefits Highlights. MEDICAL DENTAL VISION and MORE

Cornerstone Benefits Highlights. MEDICAL DENTAL VISION and MORE Cornerstone Benefits Highlights 015 MEDICAL DENTAL VISION and MORE Welcome to Your 2015 Cornerstone Benefit Guide Your Benefits Package As a Cornerstone employee, you are eligible for a number of great

More information

Copayment: The amount you must pay for each medical visit to a participating doctor or other healthcare provider, usually at this time service.

Copayment: The amount you must pay for each medical visit to a participating doctor or other healthcare provider, usually at this time service. Basic Terms How to calculate Out of Pocket Costs on a Hospital Stay: If you have a $2000 deductible and 30% coinsurance health insurance plan. If you have a $10,000 emergency room or hospital stay your

More information

Medicare. What you need to know. Choose the plan that s right for you GNHH2ZTHH_15

Medicare. What you need to know. Choose the plan that s right for you GNHH2ZTHH_15 Medicare What you need to know Choose the plan that s right for you GNHH2ZTHH_15 Choosing a Medicare plan is a lot like buying a car. There are lots of options to consider. And what s right for you may

More information

Health Insurance Overview

Health Insurance Overview Spotsylvania County Open Enrollment August 10 to 28, 2015 Plan Year: October 1, 2015 to September 30, 2016 Health Insurance Overview All Full Time employees are eligible to participate in the County Health

More information

2015 Brinker Benefits PART-TIME HOURLY TEAM MEMBERS

2015 Brinker Benefits PART-TIME HOURLY TEAM MEMBERS 2015 Brinker Benefits PART-TIME HOURLY TEAM MEMBERS Enroll Online any time, day or night at www.brinkernation.com Step-by-Step Instructions 1. Go to www.brinkernation.com 2. If this is your first time

More information

CHI Franciscan Health revised as of 1/1/15 CHI. Benefits at a Glance. Healthy CHI SPIRIT. Physical and financial health and wellness

CHI Franciscan Health revised as of 1/1/15 CHI. Benefits at a Glance. Healthy CHI SPIRIT. Physical and financial health and wellness CHI Franciscan Health revised as of 1/1/15 CHI Benefits at a Glance CHI Healthy SPIRIT Physical and financial health and wellness SM Our mission to create healthier communities extends to our own workplace.

More information

St. Louis Community College Summary of Insurance Benefits Effective June 1, 2013

St. Louis Community College Summary of Insurance Benefits Effective June 1, 2013 St. Louis Community College Summary of Insurance Benefits Effective June 1, 2013 Employees are eligible to enroll on the first day of employment and coverage becomes effective on the date the enrollment

More information

Retiree Supplemental Guide

Retiree Supplemental Guide The Maryland-National Capital Park and Planning Commission Retiree Supplemental Guide Benefit Year 2016 Page 1 TABLE OF CONTENTS Newly Retired Employees 3 Enrollment Instructions for Qualifying Life Events

More information

Consumer Guide to. Health Insurance. Oregon Insurance Division

Consumer Guide to. Health Insurance. Oregon Insurance Division Consumer Guide to Health Insurance Oregon Insurance Division The Department of Consumer and Business Services, Oregon s largest business regulatory and consumer protection agency, produced this guide.

More information

Health Care Plans at a Glance. Welcome to Our Benefit Overview. Medical BlueCross BlueShield of SC: All Employees (except Joplin)

Health Care Plans at a Glance. Welcome to Our Benefit Overview. Medical BlueCross BlueShield of SC: All Employees (except Joplin) Benefit Overview Health Care Plans at a Glance At Schaeffler the health of our employees and their families are a priority to us. Our benefits are designed to help them manage their physical and financial

More information

It Pays to Think Ahead. 2014 Benefit Summary

It Pays to Think Ahead. 2014 Benefit Summary It Pays to Think Ahead. 2014 Benefit Summary Benefits Overview Aurora Public Schools is proud to offer a comprehensive benefits package to eligible employees. The complete benefit package is briefly summarized

More information

your Benefits in Brief

your Benefits in Brief your Benefits in Brief Salaried and Non-Union Non-Exempt Employees of Kaiser Foundation Health Plan, Inc. and Kaiser Foundation Hospitals Northern California Kaiser Permanente is committed to providing

More information

SIMNSA Health Plan & Other Benefits Summary of Coverage For Salaried TEAM Members Effective January 1, 2016

SIMNSA Health Plan & Other Benefits Summary of Coverage For Salaried TEAM Members Effective January 1, 2016 SIMNSA Health Plan & Other Benefits Summary of Coverage For Salaried TEAM Members Effective January 1, 2016 This Summary of Coverage contains only the highlights of the employee welfare benefit plans available

More information

Employ Benefits 2015

Employ Benefits 2015 Employ Benefits 2015 Employ Benefits As a health care organization, we understand the importance of personal wellness. In fact, the richness and diversity of our benefits helped us become Modern Healthcare

More information

Benefits Summary. For Regular Employees 20 or more hours per week.

Benefits Summary. For Regular Employees 20 or more hours per week. 2013 Benefits Summary Argonne National Laboratory is a U.S. Department of Energy laboratory managed by UChicago Argonne, LLC For Regular Employees 20 or more hours per week. TABLE OF CONTENTS Benefit Eligibility

More information

HEALTH CARE CHOICES FOR ELIGIBLE RETIREES

HEALTH CARE CHOICES FOR ELIGIBLE RETIREES HEALTH CARE CHOICES FOR ELIGIBLE RETIREES Effective 2013 table of contents > Page 2 3 Retiree Medical Plan Overview 3 Plan Highlights and Eligibility 5 Non-Medicare Eligible Retiree Component 6 Aetna PPO

More information

KNOW YOUR BENEFITS FREQUENTLY ASKED QUESTIONS

KNOW YOUR BENEFITS FREQUENTLY ASKED QUESTIONS KNOW YOUR BENEFITS FREQUENTLY ASKED QUESTIONS Health Insurance (including dental and vision) 1. Q: I only received two ID cards from the insurance company. I have three children. How do I get a card for

More information

SIMNSA Health Plan & Other Benefits Summary of Coverage For Hourly TEAM Members Effective January 1, 2016

SIMNSA Health Plan & Other Benefits Summary of Coverage For Hourly TEAM Members Effective January 1, 2016 SIMNSA Health Plan & Other Benefits Summary of Coverage For Hourly TEAM Members Effective January 1, 2016 This Summary of Coverage contains only the highlights of the employee welfare benefit plans available

More information

2015 BENEFITS. There are important decisions to make. Look inside to learn more.

2015 BENEFITS. There are important decisions to make. Look inside to learn more. 2015 BENEFITS There are important decisions to make. Look inside to learn more. 1 Welcome to Enable Midstream! This is an exciting time to work at Enable Midstream. We are so glad you are part of our team.

More information

OPEN ENROLLMENT PLAN YEAR 2013

OPEN ENROLLMENT PLAN YEAR 2013 OPEN ENROLLMENT PLAN YEAR 2013 HR PERSONNEL HIPAA (protects your private health information) Sydney Covey ext. 7437 Melissa Spence ext. 7296 Benefit Explanations Claim Questions Family Status Changes Katherine

More information

NYU HOSPITALS CENTER. Retirement Plan. Your Health & Welfare Plan Benefits

NYU HOSPITALS CENTER. Retirement Plan. Your Health & Welfare Plan Benefits NYU HOSPITALS CENTER Retirement Plan Your Health & Welfare Plan Benefits 1 What s Inside Welcome to the NYU Hospitals Center Retiree Health & Welfare Program Retiree Health & Welfare Benefits At-A-Glance...

More information

OVERVIEW OF 2015 TEAMMATE BENEFITS PACKAGE

OVERVIEW OF 2015 TEAMMATE BENEFITS PACKAGE Page 1 CHS LiveWELL Health Plan OVERVIEW OF 2015 TEAMMATE BENEFITS PACKAGE CHOICE 30 with HEALTH SAVINGS ACCOUNT Eligibility: 24 or more standard hours per week The Choice 30 health plan offers you control

More information

Understand what s new and think differently...

Understand what s new and think differently... Understand what s new and think differently... Together, we can think differently about our new programs and benefit options that are designed to help you make wiser, healthier choices. Annual enrollment:

More information

2016 Retiree Open Enrollment Benefits Briefing Non Medicare

2016 Retiree Open Enrollment Benefits Briefing Non Medicare 2016 Retiree Open Enrollment Benefits Briefing Non Medicare October 28: Bankhead Theater, Livermore October 29: The Grand Theater, Tracy LLNL-PRES-678554 This work was performed under the auspices of the

More information

Gap Inc. Welcome to Gap Inc. Benefits. Lifestyle Benefits and Programs

Gap Inc. Welcome to Gap Inc. Benefits. Lifestyle Benefits and Programs Welcome Eligibility Eligible Employees Eligible Dependents Child Support Orders Enrollment How to Enroll If You Do Not Enroll After You Enroll Late Enrollment for Life Insurance Beneficiaries When Coverage

More information

Penn State Flexible Spending Account (FSA) Benefits

Penn State Flexible Spending Account (FSA) Benefits Penn State Flexible Spending Account (FSA) Benefits Eligibility and Enrollment Deadlines All regular, full-time faculty and staff members of the University are eligible to participate in the following

More information

CHI Mercy Medical Center revised as of 1/1/15 CHI. Benefits at a Glance. Healthy CHI SPIRIT. Physical and financial health and wellness

CHI Mercy Medical Center revised as of 1/1/15 CHI. Benefits at a Glance. Healthy CHI SPIRIT. Physical and financial health and wellness CHI Mercy Medical Center revised as of 1/1/15 CHI Benefits at a Glance CHI Healthy SPIRIT Physical and financial health and wellness SM Our mission to create healthier communities extends to our own workplace.

More information

Open Enrollment Guide Seminarian Health Plans

Open Enrollment Guide Seminarian Health Plans Open Enrollment Guide Seminarian Health Plans Plan Year August 1, 2015 - July 31, 2016 The Episcopal Church Medical Trust Our Health, Our Members, Our Church Introduction The Episcopal Church Medical Trust

More information

California Ironworkers Field Welfare Plan 1/1/2014 Open Enrollment Benefit Plan Comparison Non-Medicare Retired Participants Residing in Nevada

California Ironworkers Field Welfare Plan 1/1/2014 Open Enrollment Benefit Plan Comparison Non-Medicare Retired Participants Residing in Nevada Non- Choice of Providers Calendar Year Deductible *The Fund s Calendar Year Deductible is never waived. However, some services are not subject to the Deductible. If you live in Nevada, your network of

More information

ARCHDIOCESE OF ST. LOUIS. Employee Benefit Plan 2015 2016. Employee Benefits Guide

ARCHDIOCESE OF ST. LOUIS. Employee Benefit Plan 2015 2016. Employee Benefits Guide ARCHDIOCESE OF ST. LOUIS Employee Benefit Plan 2015 2016 Employee Benefits Guide Office of Human Resources Cardinal Rigali Center 20 Archbishop May Drive St. Louis, MO 63119-5004 314.792.7546 314.792.7548

More information

Employee Benefits. from. I felt rewarded for my efforts. Take Advantage of Competitive Benefits WEALTH ACCUMULATION. 401(k) Plan

Employee Benefits. from. I felt rewarded for my efforts. Take Advantage of Competitive Benefits WEALTH ACCUMULATION. 401(k) Plan day from one I felt rewarded for my efforts. Employee Benefits Take Advantage of Competitive Benefits At Fifth Third Bank, we want to create an environment where you will want to stay and build your career.

More information

Account Based Health Plan with Health Savings Account Guide

Account Based Health Plan with Health Savings Account Guide Account Based Health Plan with Health Savings Account Guide Lead the way Page 1 2016 ABHP with HSA Guide You re in control with an Account-Based Health Plan Philips believes an Account Based Health Plan

More information

2016 Annual Enrollment Guide for Intel Retirees

2016 Annual Enrollment Guide for Intel Retirees 2016 ANNUAL ENROLLMENT GUIDE FOR RETIREES 1 2016 Annual Enrollment Guide for Intel Retirees Intel s Annual Enrollment is October 26 through December 15, 2015* Choose benefits to power your best life. Enroll

More information

RUSH BENEFITS GUIDE. grow WEALTH. choose HEALTH. develop CAREER

RUSH BENEFITS GUIDE. grow WEALTH. choose HEALTH. develop CAREER 2015 RUSH BENEFITS GUIDE choose HEALTH grow WEALTH develop CAREER PUTTING RUSH BENEFITS TO WORK FOR YOU Rush is committed to having the best people, the best quality and the highest value. Your employee

More information

Consumer Driven Health Plan (CDHP) with Health Savings Account (HSA)

Consumer Driven Health Plan (CDHP) with Health Savings Account (HSA) Consumer Driven Health Plan (CDHP) with Health Savings Account (HSA) Interact with this ebrochure. Here s how. This ebrochure is designed for onscreen viewing, allowing you to navigate through the document

More information

your Benefits in Brief

your Benefits in Brief your Benefits in Brief Southern California Employees: Non-Union Non-Exempt Salaried Salaried Patient Care Providers For Employees of Kaiser Foundation Hospitals, Kaiser Foundation Health Plan, Inc., KP

More information

Retiree Health Care Plan Benefits 2012 Enrollment Guide. Medical Coverage: Pre-Medicare Retirees

Retiree Health Care Plan Benefits 2012 Enrollment Guide. Medical Coverage: Pre-Medicare Retirees Retiree Health Care Plan Benefits 2012 Enrollment Guide Medical Coverage: Pre-Medicare Retirees You ll choose from four medical plans: Basic, Comprehensive, Health Reimbursement Arrangement (HRA) and Health

More information

Carpenters Health & Welfare Trust Fund for California Retiree Plan Comparison

Carpenters Health & Welfare Trust Fund for California Retiree Plan Comparison Carpenters Health & Welfare Trust Fund for California Retiree Plan Comparison Information Needed: Eligibility, Benefits, COBRA or Disability Claims: Indemnity Medical Plan Indemnity Hearing Aid Benefit

More information

Sherwin-Williams Medical, Prescription Drug and Dental Plans Plan Comparison Charts

Sherwin-Williams Medical, Prescription Drug and Dental Plans Plan Comparison Charts Sherwin-Williams Medical, Prescription Drug and Dental Plans Plan Comparison Charts You and Sherwin-Williams share the cost of certain benefits including medical and dental coverage and you have the opportunity

More information

How to use your Flexible Spending Account-Health Care (FSA-Health Care) and Flexible Spending Account-Dependent Care (FSA-Dependent Care) Accounts

How to use your Flexible Spending Account-Health Care (FSA-Health Care) and Flexible Spending Account-Dependent Care (FSA-Dependent Care) Accounts How to use your Flexible Spending Account-Health Care (FSA-Health Care) and Flexible Spending Account-Dependent Care (FSA-Dependent Care) Accounts Overview of the Flexible Spending Account-Health Care

More information

Benefits Highlights. Health Care Disability Benefits Retirement Plans Life & Other Insurance Programs Work & Family and Other GE Benefits.

Benefits Highlights. Health Care Disability Benefits Retirement Plans Life & Other Insurance Programs Work & Family and Other GE Benefits. Benefits Highlights Health Care Disability Benefits Retirement Plans Life & Other Insurance Programs Work & Family and Other GE Benefits HC Option 5 GE Benefits: Adding value beyond your paycheck The Company

More information

Introduction... 1. Enrollment Eligibility... 1. How Flexible Spending Works... 1. Advantages of Using Flexible Spending... 2. Eligible Expenses...

Introduction... 1. Enrollment Eligibility... 1. How Flexible Spending Works... 1. Advantages of Using Flexible Spending... 2. Eligible Expenses... Flexible Benefits Flexible Spending Account (FSA) Program Introduction......................................................... 1 Enrollment Eligibility....................................................

More information

A Guide to Using your Consumer-Directed Health Plan (CDHP)

A Guide to Using your Consumer-Directed Health Plan (CDHP) A Guide to Using your Consumer-Directed Health Plan (CDHP) and Health Savings Account (HSA) A Guide to Using Your At The Hartford, we offer competitive benefits and programs to help you live well and coverage

More information

Benefits Summary UNUM - Group Term Life/AD&D & Voluntary Life/AD&D Plan

Benefits Summary UNUM - Group Term Life/AD&D & Voluntary Life/AD&D Plan UNUM - Group Term Life/AD&D & Voluntary Life/AD&D Plan Benefits Summary Basic employee life insurance 1x base annual earnings rounded to the next higher $1,000 to a maximum benefit of $300,000 Supplemental

More information

2015 Annual Enrollment Guide

2015 Annual Enrollment Guide YOUR BENEFITS 2015 Annual Enrollment Guide Enrollment Period October 22 November 4 Inside This Guide Key Dates October 22 November 4, 2014 Annual Enrollment period Changes for 2015...3 What You Need to

More information

2014 OPEN ENROLLMENT & BENEFIT GUIDE

2014 OPEN ENROLLMENT & BENEFIT GUIDE 2014 OPEN ENROLLMENT & BENEFIT GUIDE This guide contains important information about Wheaton College s annual benefits open enrollment for our medical, dental and flexible spending accounts plan. Also

More information

RUSH BENEFITS GUIDE. grow WEALTH. choose HEALTH. develop CAREER

RUSH BENEFITS GUIDE. grow WEALTH. choose HEALTH. develop CAREER 2014 RUSH BENEFITS GUIDE choose HEALTH grow WEALTH develop CAREER CHANGES TO RUSH EMPLOYEE BENEFITS FOR 2014 Rush provides you with a full range of affordable employee benefits to enhance your health,

More information

Consumer Driven Health Plan (CDHP) with Health Savings Account (HSA)

Consumer Driven Health Plan (CDHP) with Health Savings Account (HSA) Consumer Driven Health Plan (CDHP) with Health Savings Account (HSA) Michigan State University 2014 Open Enrollment Blue Care Network is a nonprofit corporation and independent licensee of the Blue Cross

More information

Employee Benefit Summary

Employee Benefit Summary National Heritage Academies offers exceptional benefits as part of a Total Rewards package designed to meet the specific needs of educators. We are committed to the over 43,000 students we serve and to

More information

2015 Benefits Open Enrollment

2015 Benefits Open Enrollment 2015 Benefits Open Enrollment November 4-21, 2014 For House Staff WE RE STEPPING UP OUR FOCUS ON HEALTH Review changes to your 2015 benefits! HealthySteps Inside This Guide What s New for 2015... 4 Overview

More information

High Deductible Health Plan (HDHP) with Health Savings Account (HSA) FREQUENTLY ASKED QUESTIONS

High Deductible Health Plan (HDHP) with Health Savings Account (HSA) FREQUENTLY ASKED QUESTIONS High Deductible Health Plan (HDHP) with Health Savings Account (HSA) FREQUENTLY ASKED QUESTIONS Part I HIGH DEDUCTIBLE HEALTH PLAN (HDHP) Q. What is the HDHP? A. The High Deductible Health Plan (HDHP)

More information

Benefit Coverage Chart & Rates

Benefit Coverage Chart & Rates Benefit Coverage Chart & Rates Effective July 1, 2014- June 30, 2015 PPO Medical Coverage by Category The following coverages are included with the PPO plan: o Prescription o Vision Additional Benefits

More information

CARING FOR YOUR FUTURE

CARING FOR YOUR FUTURE CARING FOR YOUR FUTURE Make Informed Choices 2016 ENROLLMENT GUIDE - St. James Healthcare TABLE OF CONTENTS Annual Open Enrollment for 2016 Benefits: October 14-30, 2015 SCL Health HR Service Center 1-855-412-3701

More information

S c h o o l s I n s u r a n c e G r o u p Health Net Plan Comparison Fiscal Year 7/1/15-6/30/16

S c h o o l s I n s u r a n c e G r o u p Health Net Plan Comparison Fiscal Year 7/1/15-6/30/16 S c h o o l s I n s u r a n c e G r o u p Health Net Plan Comparison Fiscal Year 7/1/15-6/30/16 This information sheet is for reference only. Please refer to Evidence of Coverage requirements, limitations

More information

Guide to MHBP and Medicare

Guide to MHBP and Medicare Guide to MHBP and Medicare You ve Earned It... Go Get It! You ve Earned It You ll be eligible for Medicare soon. You owe it to yourself to take full advantage of these long-awaited benefits. Medicare Part

More information

Medical Plan - Healthfund

Medical Plan - Healthfund 18 Medical Plan - Healthfund Oklahoma City Community College Effective Date: 07-01-2010 Aetna HealthFund Open Choice (PPO) - Oklahoma PLAN DESIGN AND BENEFITS PROVIDED BY AETNA LIFE INSURANCE COMPANY -

More information

2015 Health Choice Benefits Guide

2015 Health Choice Benefits Guide 2015 Health Choice Benefits Guide HOSPITAL FOR SPECIAL SURGERY 2 This guide summarizes Hospital for Special Surgery s benefit plans. The actual plan provisions are contained in legal documents and contracts.

More information

2013-2014 Benefits Summary

2013-2014 Benefits Summary 2013-2014 Benefits Summary Welcome! Personal needs greatly influence the choices we make in our daily lives. This is true even in the selection of health, life and supplemental benefits. Aurobindo Pharma

More information

INSIDE THIS GUIDE. Please review the Important Notices also enclosed with your enrollment materials. ENROLLMENT PERIOD: OCTOBER 16 30, 2015

INSIDE THIS GUIDE. Please review the Important Notices also enclosed with your enrollment materials. ENROLLMENT PERIOD: OCTOBER 16 30, 2015 ENROLLMENT PERIOD: OCTOBER 16 30, 2015 It s time for 2016 Annual Enrollment. Read the information in this package carefully before making your decisions, and follow the steps below to make sure your enrollment

More information

Summary of Benefits. When Benefits Start

Summary of Benefits. When Benefits Start Summary of Benefits Eligibility All full time employees are eligible for all of Westminster College benefits. You are considered full time if you are Faculty with a full time contract or Staff and work

More information

A Comprehensive Look. Updated 8/15/2012

A Comprehensive Look. Updated 8/15/2012 Retiree Healthcare Benefits: A Comprehensive Look Presented by The Benefits Team Montgomery County Government Office of Human Resources (OHR) Updated 8/15/2012 1 In This Presentation 1. Acronyms and terms

More information

2013-2014 Annual Enrollment

2013-2014 Annual Enrollment 2013-2014 Annual Enrollment Your Benefits Team Jolene Daniels Sr. Manager, Benefits & Compensation jdaniels@flvs.net 407-513-3372 Lori Quinn Benefits Specialist loquinn@flvs.net 407-513-3355 Brenda Key

More information

Coverage Comparison Chart

Coverage Comparison Chart Coverage Comparison Chart Premera Blue Cross $500 Deductible/$1000 Deductible/CDHP Deductible PPO Plans $500-Deductible PPO Alaska Plan $1,000-Deductible PPO Alaska Plan CDHP $1,500-Deductible HSA-qualifed

More information

TIAA 2015 Benefits AT A GLANCE

TIAA 2015 Benefits AT A GLANCE TIAA 2015 Benefits AT A GLANCE TIAA is committed to making financial well-being possible for its clients, and the company is equally committed to the well-being of its employees. That s why we offer a

More information

Employee + 2 Dependents

Employee + 2 Dependents FUND FEATURES HealthFund Amount $500 Individual $1,000 Employee + 1 Dependent $1,000 Employee + 2 Dependents $1,000 Family Amount contributed to the Fund by the employer Fund Coinsurance Percentage at

More information

CONSTRUCTION INDUSTRY LABORERS HEALTH & WELFARE FUND FREQUENTLY ASKED QUESTIONS & ANSWERS Q. HOW DO I BECOME ELIGIBLE FOR HEALTH & WELFARE BENEFITS?

CONSTRUCTION INDUSTRY LABORERS HEALTH & WELFARE FUND FREQUENTLY ASKED QUESTIONS & ANSWERS Q. HOW DO I BECOME ELIGIBLE FOR HEALTH & WELFARE BENEFITS? Q. HOW DO I BECOME ELIGIBLE FOR HEALTH & WELFARE BENEFITS? A. You can become eligible and receive benefits by working a sufficient number of hours for a Contributing Employer who makes contributions to

More information

PLAN DESIGN AND BENEFITS - PA Health Network Option AHF HRA 1.3. Fund Pays Member Responsibility

PLAN DESIGN AND BENEFITS - PA Health Network Option AHF HRA 1.3. Fund Pays Member Responsibility HEALTHFUND PLAN FEATURES HealthFund Amount (Per plan year. Fund changes between tiers requires a life status change qualifying event.) Fund Coinsurance (Percentage at which the Fund will reimburse) Fund

More information

RIVERSIDE TRANSIT AGENCY FULL-TIME ADMINISTRATIVE EMPLOYEES NEW HIRE ENROLLMENT OVERVIEW 2015

RIVERSIDE TRANSIT AGENCY FULL-TIME ADMINISTRATIVE EMPLOYEES NEW HIRE ENROLLMENT OVERVIEW 2015 RIVERSIDE TRANSIT AGENCY FULL-TIME ADMINISTRATIVE EMPLOYEES NEW HIRE ENROLLMENT OVERVIEW 2015 Riverside Transit Agency (RTA) is extremely proud of the package of benefits available to you. The benefits

More information

Health Care Flexible Spending Account

Health Care Flexible Spending Account Health Care Flexible Spending Account The Health Care Flexible Spending Account (HCFSA) is simple to use. By participating you choose to contribute a set amount to your account through payroll deductions

More information

Benefits Highlights. Health Care Disability Benefits Retirement Life & Other Insurance Programs Work & Family and Other GE Benefits

Benefits Highlights. Health Care Disability Benefits Retirement Life & Other Insurance Programs Work & Family and Other GE Benefits Benefits Highlights Health Care Disability Benefits Retirement Life & Other Insurance Programs Work & Family and Other GE Benefits GE Benefits: Adding value beyond your paycheck The Company offers a wide

More information

Your employee benefits... at a glance. Contact Information. Medical/Rx Insurance Dental Insurance Health Savings Account. Health Reimbursment Account

Your employee benefits... at a glance. Contact Information. Medical/Rx Insurance Dental Insurance Health Savings Account. Health Reimbursment Account Contact Information Coverage Contact Web 1-800-642-8516 www.bcbs.com 1-800-403-5889 www.ebs-tpa.com Bruning State Bank 1-308-995-3880 www.bruningbank.com Employee Benefit Systems 1-800-403-5889 www.ebs-tpa.com

More information

Take the Wheel Benefits for the Road Ahead

Take the Wheel Benefits for the Road Ahead Take the Wheel Benefits for the Road Ahead Ithaca Hourly Benefis Highlights 2015 Welcome Center. It s time again to Take the Wheel as you head out on your benefits enrollment journey. BorgWarner s annual

More information

Healthy Directions. Information for Employees

Healthy Directions. Information for Employees Healthy Directions Information for Employees U.S. Employees with Salaried Health Care Benefits Healthy Directions is our company s approach to health and health care. Healthy Directions provides two medical

More information

2015 Benefits Summary

2015 Benefits Summary 2015 Benefits Summary visionary science, game changing innovation unmatched scientific facilities, programs and talent vibrant a, diverse and inclusive community contents 3 4 4 4 5 6 6 7 8 8 8 9 9 9 10

More information

CSU Benefits Plan (Cost Share) Privileges and Benefits for Calendar Year 2014. (970) 491-MyHR (6947)

CSU Benefits Plan (Cost Share) Privileges and Benefits for Calendar Year 2014. (970) 491-MyHR (6947) Academic Faculty * Administrative Professionals * Post Doctoral Fellow * Veterinary and Clinical Psychology Interns CSU Benefits Plan (Cost Share) Privileges and Benefits for Calendar Year 2014 (970) 491-MyHR

More information

Human Resources. Yale University. service & maintenance clerical & technical Retirement Planning Brochure

Human Resources. Yale University. service & maintenance clerical & technical Retirement Planning Brochure service & maintenance clerical & technical Retirement Planning Brochure Retirement is one of the biggest changes that you face in your lifetime. This booklet covers the basic information you will need

More information

S c h o o l s I n s u r a n c e G r o u p Health Net Plan Comparison Fiscal Year 7/1/14-6/30/15

S c h o o l s I n s u r a n c e G r o u p Health Net Plan Comparison Fiscal Year 7/1/14-6/30/15 S c h o o l s I n s u r a n c e G r o u p Health Net Plan Comparison Fiscal Year 7/1/14-6/30/15 This information sheet is for reference only. Please refer to Evidence of Coverage requirements, limitations

More information

Inside this Edition. Police Officer & Firefighter. Helpful Online Tools. Prescription Drug Plan page 6. Health Services page 5.

Inside this Edition. Police Officer & Firefighter. Helpful Online Tools. Prescription Drug Plan page 6. Health Services page 5. 2012 City of San Antonio Employee Benefits Guide BenefitMatters Police Officer & Firefighter Inside this Edition Helpful Online Tools City of San Antonio Human Resources Department 210.207.8705 2012_Covers.indd

More information

100% Fund Administration

100% Fund Administration FUND FEATURES HealthFund Amount $500 Employee $750 Employee + Spouse $750 Employee + Child(ren) $1,000 Family Amount contributed to the Fund by the employer Fund Coinsurance Percentage at which the Fund

More information

Resident Physicians. Southern California Region. For prospective employees

Resident Physicians. Southern California Region. For prospective employees Resident Physicians Southern California Region For prospective employees 2015 Kaiser Permanente is committed to providing its employees with a competitive total compensation package that includes more

More information

BENEFITS OPEN ENROLLMENT 2016 YOUR HEALTH & WELLNESS STARTS WITH YOU

BENEFITS OPEN ENROLLMENT 2016 YOUR HEALTH & WELLNESS STARTS WITH YOU zz BENEFITS OPEN ENROLLMENT 2016 YOUR HEALTH & WELLNESS STARTS WITH YOU MESSAGE FROM THE PRESIDENT/CEO NABIL EL SANADI, MD, MBA, FACEP, FACHE LET S INVEST, HEALTH IS YOUR FIRST WEALTH! We are excited to

More information

Understanding Group Health Insurance Anthem KeyCare 15+ Plan

Understanding Group Health Insurance Anthem KeyCare 15+ Plan Understanding Group Health Insurance Anthem KeyCare 15+ Plan January 12, 2010 Although it is the intent of the University to continue current benefit plans, the University reserves the right to modify,

More information

Your complimentary Medicare Guidebook

Your complimentary Medicare Guidebook Learn Protect Assess Enroll Your complimentary Medicare Guidebook About this Guidebook If you or someone you care for is new to Medicare or will be soon, this Guidebook will help make Medicare easier to

More information

Remaining Open Enrollment Meetings 900 Room, Monday, Oct. 26, 9:30-10:30 900 Room, Tuesday, Nov. 3, 3:00-4:00

Remaining Open Enrollment Meetings 900 Room, Monday, Oct. 26, 9:30-10:30 900 Room, Tuesday, Nov. 3, 3:00-4:00 Please Note: You must complete the open enrollment process online by Saturday, November 7 th. Not completing open enrollment will result in the loss of benefits in 2016. Our open enrollment process will

More information

Your Retiree Health Care Travel Guide

Your Retiree Health Care Travel Guide SPECIAL EDITION for Individuals Not Yet Eligible for Medicare Your Retiree Health Care Travel Guide 2010 Enrollment for BorgWarner Pre-Medicare Health Care Coverage Welcome to 2010 Pre-Medicare enrollment!

More information

LEARN. Your guide to health insurance

LEARN. Your guide to health insurance LEARN Your guide to health insurance Table of Contents Why health insurance is important...1 How the Affordable Care Act affects you...2 See if you may qualify for a subsidy...4 Types of health plans...6

More information

I Have Health Insurance! Now What?

I Have Health Insurance! Now What? I Have Health Insurance! Now What? A Guide to Using Your Private Health Insurance Plan Brought to you by: Congratulations on Your New Health Plan! This guide is an overview of private insurance plans and

More information

PDS Tech, Inc Proposed Effective Date: 01-01-2012 Aetna HealthFund Aetna Choice POS ll - ASC

PDS Tech, Inc Proposed Effective Date: 01-01-2012 Aetna HealthFund Aetna Choice POS ll - ASC FUND FEATURES HealthFund Amount $500 Individual $1,000 Employee + 1 Dependent $1,000 Employee + 2 Dependents $1,000 Family Amount contributed to the Fund by the employer Fund Coinsurance 100% Percentage

More information

T A K E F U L L B E N E F I T O F Y O U R B E N E F I T S

T A K E F U L L B E N E F I T O F Y O U R B E N E F I T S 1 TAKE FULL BENEFIT OF YOUR BENEFITS 1 Your Benefits; Your Choice 2 Help is Always Available 2 Making Your Enrollment Decisions: Helpful Resources 3 GETTING STARTED 3 Who s Eligible? 4 ENROLLMENT 4 Current

More information

2015 Annual Enrollment Guide

2015 Annual Enrollment Guide 2015 Annual Enrollment Guide For Active Employees Enroll in Your Benefits WHEN: Between 8 a.m. Central Standard Time on Monday, November 3, 2014, and midnight Central Standard Time on Friday, November

More information

2015 Why Are There Changes With Healthcare? Copyright 2014 Five Points ICT, Inc. All rights reserved.

2015 Why Are There Changes With Healthcare? Copyright 2014 Five Points ICT, Inc. All rights reserved. 2015 Why Are There Changes With Healthcare? Health Care Reform Beginning Jan 1, 2015 HCR Requires: Large employers must offer a health plan: To employees averaging 30+ hrs per week That is considered HCR

More information

Should you have any questions pertaining to any of the content, please contact the Benefits team at HRBenefits@rochestergeneral.org or 922-1100.

Should you have any questions pertaining to any of the content, please contact the Benefits team at HRBenefits@rochestergeneral.org or 922-1100. Welcome to Rochester Regional Health! This online presentation on the Rochester General Health Benefits Program is designed to provide you an overview of the comprehensive benefits package Rochester Regional

More information

When You Can Change Plans. Care is provided through physicians or medical staff at a Kaiser Permanente facility located in the member's service area.

When You Can Change Plans. Care is provided through physicians or medical staff at a Kaiser Permanente facility located in the member's service area. CEMENT MASONS HEALTH AND WELFARE TRUST FUND ACTIVE CEMENT MASONS AND THEIR ELIGIBLE DEPENDENTS EFFECTIVE FEBRUARY 1, 2013 PLAN FEATURES DIRECT PAYMENT PLAN KAISER PERMANENTE When You Can Change Plans Type

More information