2015 Charts & Rates. Benefit Comparison Charts & Rates

Size: px
Start display at page:

Download "2015 Charts & Rates. Benefit Comparison Charts & Rates"

Transcription

1 2015 Charts & Rates Comparison Charts & Rates

2 Medical Options This is not the complete Medical Comparison Chart. Refer to the Medical Summary Plan Description or the Legal Notices on the enclosed CD for full information Medical Option Employee Contributions (Monthly) Coverage Tier Blue Option White Option Out-of-Area Option Employee Only $47 $120 $97 Employee + Spouse $77 $218 $176 Employee + Child(ren) $64 $173 $140 Meritain Health, Mutual Health Services (OH only) and Piedmont Community Health Plan (VA only) Blue Option White Option Out-of-Area Option $91 $278 $224 Annual Deductible: Employee Only Annual Deductible: Employee + Spouse Employee + Child(ren) Annual Out-of-Pocket Maximum: 2 Employee Only Annual Out-of-Pocket Maximum: 2 Employee + Spouse Employee + Child(ren) In-Network Out-of-Network In-Network Out-of-Network Out-of-Network $2,000 $4,000 $1,750 $3,500 $1,500 $4,000 $8,000 $3,500 1 $7,000 1 $3,000 $4,000 $8,000 $6,350 $12,700 $3,200 $8,000 $16,000 $12,700 3 $25,400 3 $6,400 Note: As applicable, the $50 tobacco surcharge and the $50 condition management surcharge will be added to the monthly employee contributions listed above. Prescription Drug Coverage Prescription drug coverage is included as part of the Medical. Blue Option White Option Out-of-Area In-Network Out-of-Network In-Network Out-of-Network Out-of-Network Lifetime Maximum Unlimited Unlimited Unlimited Health Reimbursement Account (HRA) Health Savings Account (HSA) 4 Preventive Care Exams If you complete the wellness activities: Employee + Child(ren), If you complete the wellness activities: Employee + Child(ren), If you complete the wellness activities: Employee + Child(ren), Physician s Office Visits 5 20% after deductible 50% after deductible $30 50% after deductible 20% after deductible Prescription Drug Coverage - 30-day Supply RETAIL Generic 20% after deductible $10 copay $10 copay Preferred Brand 30% after deductible Non-Preferred Brand 45% after deductible 25% of cost with $30 min /$75 max 35% of cost with $45 min /$110 max Prescription Drug Coverage - 90-day Supply MAIL ORDER or RETAIL Maintenance at Walgreens Only 25% of cost with $30 min /$75 max 35% of cost with $45 min /$110 max Generic 20% after deductible $25 $25 Preferred Brand 30% after deductible $100 25% of cost with $75 min /$150 max Specialist s Office Visits 5 20% after deductible 50% after deductible $45 50% after deductible 20% after deductible Non-Preferred Brand 45% after deductible $150 35% of cost with $125 min /$225 max 1 One person can meet the individual annual deductible, or a combination of covered family members can meet the annual deductible for these coverage tiers. 2 The out-of-pocket maximum includes the medical deductible. Medical and prescription drug copays and coinsurance also accumulate toward the out-of-pocket maximum. 3 One person can meet the individual annual out-of-pocket maximum, or a combination of covered family members can meet the annual out-of-pocket maximum for these coverage tiers. 4 If you are not eligible for a Health Savings Account, your earned company contribution will be deposited into a Health Reimbursement Account. Specialty (30-day supply) 20% after deductible 20% of cost up to maximum $125 copay 5 Copay covers the general office visit. You will also pay co-insurance for additional medical services your doctor may prescribe during your visit % of cost up to maximum $125 copay

3 Dental The Dental is designed to help you maintain dental health. You have two dental options - Dental Basic or Dental Plus. In most states the Dental is administered by MetLife. Features Dental Basic Dental Plus Annual Maximum $1,000/person $1,500/person Vision The Vision is administered by UnitedHealthcare Vision, which offers services through a network of providers at a lower cost. The benefit provides coverage once every 12 months for routine eye exams and glasses or contacts. When you visit an in-network provider, most services will be covered at 100 percent after you pay a copay. You may go to an out-of-network provider, but you will incur higher out-of-pocket costs and you may have to file your own claims. Orthodontia Lifetime Maximum for children under age 19 $1,500/person 2015 Vision Employee Contributions (Monthly) Deductible $50/person $150/family $25/person $75/family Covered Services Preventive and diagnostic care $0, no deductible $0, no deductible Basic and restorative care 20% after deductible 20% after deductible Major care 50% after deductible 40% after deductible Orthodontia for children under age Dental Employee Contributions (Monthly) 50%, no deductible Coverage Tier Dental Basic Dental Plus Employee Only $30 $37 Employee + Spouse $57 $74 Employee + Child(ren) $66 $88 $94 $121 Virginia Residents Only Your benefits are the same, but you must choose between the Cost-Efficient or Standard Network: The discounts are better in the Cost-Efficient network MetLife administers the Cost-Efficient network Anthem administers the Standard network Coverage Tier VA Only 2015 Dental Employee Contributions (Monthly) Dental Basic Dental Plus Cost-Efficient Network Standard Network Cost-Efficient Network Standard Network Employee Only $30 $31 $37 $38 Employee + Spouse $57 $59 $74 $76 Employee + Child(ren) $66 $68 $88 $90 $94 $97 $121 $125 Coverage Tier Vision Coverage Employee Only $6.30 Employee + Spouse $12.61 Employee + Child(ren) $13.20 $16.79 Features In-Network Pays: Out-of-Network Pays: Eye Exam 100% after $10 copay Up to $45 Glasses - Lenses Single Vision 100% after $25 copay Up to $30 Lined Bifocal 100% after $25 copay Up to $50 Lined Trifocal 100% after $25 copay Up to $65 Lenticular 100% after $25 copay Up to $100 Glasses - Frames Covered-in-Full 100% after $25 copay Up to $70 Wholesale Up to $50 Up to $70 Retail Allowance Up to $130 Up to $70 Contact Lenses Covered-in-Full Elective Contacts* 100% after $25 copay Up to $105 All Other Elective Contacts* Up to $125 Up to $105 Necessary Contacts 100% after $25 copay Up to $210 *If you select elective covered-in-full contact lenses from an in-network provider, the fitting/evaluation fees, contacts and two follow-up visits are covered (after $25 copay). For all other elective contacts, a $125 allowance is applied toward the fitting/evaluation fees and purchase of contact lenses ($25 materials copay does not apply). Toric, gas permeable and bifocal contacts are all examples of contacts that are not considered covered-in-full. 3 4

4 Income Protection B&W offers a variety of income protection benefits you can customize for your personal needs. No one enjoys thinking about it, but it s important to protect your loved ones in case of an accident, disability or your death. Provider/Administrator Contact Information Provider/Administrator Website Phone Number Description Coverage General Questions and Enrollment FlexChoice Service Center Outside the U.S.: Basic Life Coverage: $50,000 Provided by company to all eligible full-time and part-time employees Supplemental Life Coverage: Medical and Prescription Drug Information Care Coordinators Health Savings Account (HSA) Optum Health Bank Life Insurance Long-Term Disability (LTD) Insurance Personal Accident Insurance Pays your beneficiary if you should die Monthly benefit if you are unable to work because of an accident or illness Pays a lump-sum benefit if an accidental injury results in a catastrophic loss or death Full-time employees can elect supplemental coverage in $50,000 increments, up to the lesser of 10 times per pay or $2,500,000 Part-time employees can elect coverage of $50,000, $100,000 or $150,000 Spouse Life Coverage: All employees can elect spouse coverage of $10,000, $25,000, $50,000, $75,000 or $100,000; up to 50% of the employee supplemental life coverage amount Child(ren) Life Coverage: All employees can elect $5,000, $10,000 or $15,000 life insurance coverage per child 40% Basic LTD: Provided by company to all eligible full-time employees at no cost to employee 60% Buy-Up Option: Paid by employee Minimum monthly benefit of $100; Maximum monthly benefit of $10,000 Pays up to 10 times of base pay: Employee: $50,000 to $1,000,000 Spouse: 70% of the employee coverage amount without insured child(ren); 65% with insured child(ren) Child(ren): 25% of the employee coverage amount without insured spouse; 20% with insured spouse Health Reimbursement Account PayFlex ID: Flexible Spending Accounts PayFlex ID: Dental Vision MetLife Anthem BlueCross BlueShield United Healthcare Vision Group # Life Insurance MetLife Group # Long-Term Disability Cigna Group #FLK (once a claim is filed) Personal Accident Insurance Chubb Group Hospital Income Continental American (Aflac) Critical Illness Group Legal American Heritage Life Insurance Company Hyatt Legal Family: 634/0010 Single: 633/ Enroll: Claims: Hospital Income* Flat dollar amount per day to help you pay your share of hospital expenses, such as deductibles and coinsurance Options: $100 per day $200 per day Thrift Plan Vanguard Charles Schwab Schwab Participant Services Critical Illness* Supplements your other coverage by paying you a lump-sum benefit to be used at your discretion upon the diagnosis of a serious illness, such as stroke, heart attack, organ transplant or paralysis Options: $10,000 $15,000 $30,000 Retirement s (hourly and salaried employees except NFS) Retirement s (NFS employees only) B&W Retirement Service Center B&W Retirement Service Center Group Legal Easy and low-cost access to a wide variety of personal legal services Access to a national network of more than 11,000 attorneys for a variety of legal needs Pension Retirement Planning Resource On-Point *To enroll in these benefits, contact the providers at the numbers indicated under Contact Information on the next page. 5 6

5 Your Enrollment Resources FlexChoice Service Center: For questions related to the enrollment process and all benefit programs except the Medical, call Customer service representatives are available weekdays, 8 a.m. to 6 p.m. Eastern time, except holidays. Outside the U.S. call Care Coordinators: For questions related to the Medical, call a Care Coordinator at Care Coordinators are available weekdays, 8:30 a.m. to 10 p.m. Eastern time, except holidays

2015 Charts & Rates. Benefit Comparison Charts & Rates

2015 Charts & Rates. Benefit Comparison Charts & Rates 2015 Charts & Rates Comparison Charts & Rates Medical Options This is not the complete Medical Comparison Chart. Refer to the Medical Summary Plan Description or the Legal Notices on the enclosed CD for

More information

2015 Charts & Rates. Benefit Comparison Charts & Rates

2015 Charts & Rates. Benefit Comparison Charts & Rates 2015 Charts & Rates Benefit Comparison Charts & Rates Medical Benefit Options This is not the complete Medical Comparison Chart. Refer to the Medical Summary Plan Description or the Legal Notices on the

More information

Any Town, US 12345-6789

Any Town, US 12345-6789 P.O. Box 619616, MD 5675 DFW Airport, TX 75261-9616 AME292-M John Sample 123 Any Street 123 Any Street Any Town, US 12345-6789 1234567890123456 PRESORTED STANDARD U.S. POSTAGE PAID Hamburg, NY PERMIT NO.

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

CHI. at a glance. Healthy CHI SPIRIT. St. Anthony Hospital. Physical and financial health and wellness

CHI. at a glance. Healthy CHI SPIRIT. St. Anthony Hospital. Physical and financial health and wellness CHI BENEFITS at a glance St. Anthony Hospital CHI Healthy SPIRIT Physical and financial health and wellness SM Our mission to create healthier communities extends to our own workplace. Not only do we want

More information

Your Fermilab Benefit Plans. Ann Marie Matthei 2015 New Hire Orientation

Your Fermilab Benefit Plans. Ann Marie Matthei 2015 New Hire Orientation Your Fermilab Benefit Plans Ann Marie Matthei 2015 New Hire Orientation Your Fermilab Benefits Medical and Prescription Drug Coverage Dental Plans Medical and Dental Plan Rates Additional Programs from

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

SCHEDULE OF BENEFITS. Group LINK Comprehensive Health Insurance Policy

SCHEDULE OF BENEFITS. Group LINK Comprehensive Health Insurance Policy SCHEDULE OF BENEFITS Classes of Employees Insured: [Class 1 All Active Full-Time Indian Employees] [Monthly Premium Rates: Individual - [$ 398.34] Two-Person [$796.68] Family Coverage [$1,210.66]] Benefit

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

SCHEDULE OF BENEFITS (continued) Group LINK Comprehensive Health Insurance Policy

SCHEDULE OF BENEFITS (continued) Group LINK Comprehensive Health Insurance Policy SCHEDULE OF BENEFITS Classes of Employees Insured: [Class 1 All Active Full-Time Indian Employees] [Monthly Premium Rates: Individual - [$ 398.34] Two-Person [$796.68 ] Family Coverage [$1,210.66]] Benefit

More information

Tier II: Providers and HPN/Geisinger. After Deductible 80% - Ancillary Services (x-rays, labs) (of Professional Allowance) After Deductible

Tier II: Providers and HPN/Geisinger. After Deductible 80% - Ancillary Services (x-rays, labs) (of Professional Allowance) After Deductible Health Insurance Third-Party Administrator: Geisinger Health Plan Coverage: *Begins the first month after benefit eligibility Deductibles *Dependent children covered to age 26 Annual, calendar year deductibles

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

Westinghouse Electric Company Benefits Summary

Westinghouse Electric Company Benefits Summary Electric Company Benefits Summary Health and Well Being Financial Protection Retirement Benefits Vacation and Holidays Other Company-Provided Benefits Revised April 2015 MEDICAL BENEFITS Carriers: HEALTH

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

SCHEDULE OF BENEFITS. Group Access Care Comprehensive Health Insurance Policy

SCHEDULE OF BENEFITS. Group Access Care Comprehensive Health Insurance Policy SCHEDULE OF BENEFITS Classes of Employees Insured: [Class 1 All Active Full-Time Indian Employees] [Monthly Premium Rates: Individual - [$ 398.34] Two-Person [$796.68] Family Coverage [$1,210.66]] Benefit

More information

2015 Benefits Summary

2015 Benefits Summary 2015 Benefits Summary University of North Carolina Health Care System UNC Health Care is committed to offering a competitive benefits program for UNC Health Care employees. Our benefits options extend

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

SCHEDULE OF BENEFITS. Group Access Care Comprehensive Health Insurance Policy

SCHEDULE OF BENEFITS. Group Access Care Comprehensive Health Insurance Policy SCHEDULE OF BENEFITS Classes of Employees Insured: [Class 1 All Active Full-Time Indian Employees] [Monthly Premium Rates: Individual - [$ 398.34] Two-Person [$796.68] Family Coverage [$1,210.66]] Benefit

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

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

Summary of Benefits 2015

Summary of Benefits 2015 Summary of Benefits 2015 Total Rewards at Idaho Power! At Idaho Power, we strive to provide a total rewards package that is balanced, competitive and sustainable. Our goal is to attract and retain high-quality

More information

2015 Summary of Healthcare Plan Changes

2015 Summary of Healthcare Plan Changes 2015 Summary of Healthcare Plan Changes Change Plan names the OA POS plan becomes the Comprehensive Care Plan and the HSA OA POS plan becomes the Consumer Choice HSA plan Comprehensive Care Plan Increase

More information

Retirement: - NC Local Government Retirement System - All benefits eligible employees make a mandatory 6% contribution every pay period.

Retirement: - NC Local Government Retirement System - All benefits eligible employees make a mandatory 6% contribution every pay period. General Employee Benefits are offered to employees working at least 30 hours per week. Health Insurance - Coverage becomes effective the first day of the month following 60 days of employment. Both you

More information

SCHEDULE OF BENEFITS. Group Access Care Comprehensive Health Insurance Policy

SCHEDULE OF BENEFITS. Group Access Care Comprehensive Health Insurance Policy SCHEDULE OF BENEFITS Classes of Employees Insured: [Class 1 All Active Full-Time Indian Employees] [Monthly Premium Rates: Individual - [$ 398.34] Two-Person [$796.68] Family Coverage [$1,210.66]] Benefit

More information

Working at Schwab has its rewards. Benefits and beyond what it means for you.

Working at Schwab has its rewards. Benefits and beyond what it means for you. Working at Schwab has its rewards. Benefits and beyond what it means for you. We ll help you build your career and a healthier, more secure future. Schwab s comprehensive benefits package gives you the

More information

Health Plan Comparison Chart

Health Plan Comparison Chart Open Enrollment 2014 State Employee Health Plan Health Plan Comparison Chart & other information For Active State Employees 2013 **Cover photo is titled Road into the Field from the Postcards from Kansas

More information

EMPLOYEE BENEFITS GUIDE

EMPLOYEE BENEFITS GUIDE EMPLOYEE BENEFITS GUIDE MEDICAL DENTAL VISION LIFE & DISABILITY & MORE 2 0 1 5 RBC Bearings Remains Committed Our employees are the key ingredient of our success. They are valued team members, and we depend

More information

Benefit Program Summary

Benefit Program Summary Benefit Program Summary The Cleveland Clinic is comprised of ten of Northeast Ohio s most prestigious hospitals and offers its employees career opportunities in state-of-the-art facilities that cover the

More information

We recognize that employees are our greatest asset and take pride in offering a highly competitive, comprehensive & affordable benefits plan.

We recognize that employees are our greatest asset and take pride in offering a highly competitive, comprehensive & affordable benefits plan. It s About You All We recognize that employees are our greatest asset and take pride in offering a highly competitive, comprehensive & affordable benefits plan. We recognize that employees are our greatest

More information

November 11, 2013 through November 22, 2013

November 11, 2013 through November 22, 2013 Dear Georgia Tech Retiree, Open enrollment is the one opportunity provided each year to make changes to your existing benefit coverage. The 2014 benefit open enrollment period will be held November 11,

More information

Benefit Coverage Chart & Rates Effective July 1, 2014 June 30, 2015

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

More information

2015 Benefits Highlights

2015 Benefits Highlights FEDERAL RESERVE BANKS www.federalreservebenefits.org 2015 Benefits Highlights What Employee Benefits Do the Federal Reserve Banks Offer?.... 2 Thrift and Retirement Benefits.... 3 Thrift Plan (401(k)

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

Benefits Overview New Hire Orientation

Benefits Overview New Hire Orientation Benefits Overview New Hire Orientation Agenda Enrollment, Eligibility & Coverage Effective Dates Medical & Rx Flexible Spending Accounts & Health Savings Accounts Dental Plans Vision Plan Life Insurance

More information

2013 IBM Health Benefit Comparison Charts

2013 IBM Health Benefit Comparison Charts 203 IBM Health Benefit Comparison Charts for IBM Active Employees These Health Benefit Comparison Charts provide a summary overview of the coverage available for medical services, mental health/substance

More information

The 2016 Health Care Plan Comparison Chart provides you with high-level coverage details on medical, dental and vision plans.

The 2016 Health Care Plan Comparison Chart provides you with high-level coverage details on medical, dental and vision plans. 2016 HEALTH PLAN COMPARISON CHART The 2016 Health Care Plan Comparison Chart provides you with high-level coverage details on medical, dental and vision plans. Andre Jacobs Field Services North America,

More information

Caring for those who Care. A Look at the 2015 Benefits and Rewards of Being an HCR ManorCare Employee

Caring for those who Care. A Look at the 2015 Benefits and Rewards of Being an HCR ManorCare Employee Caring for those who Care A Look at the 2015 Benefits and Rewards of Being an HCR ManorCare Employee BENEFITS Your Wellness Matters HCR ManorCare s benefits are a shared investment in your health and well-being.

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

Kaukauna Area School District Employee Benefits Booklet 2015. Kaukauna Area School District. 2015 EMPLOYEE BENEFITS GUIDE

Kaukauna Area School District Employee Benefits Booklet 2015. Kaukauna Area School District. 2015 EMPLOYEE BENEFITS GUIDE Kaukauna Area School District Employee Benefits Booklet 2015 Kaukauna Area School District. 2015 EMPLOYEE BENEFITS GUIDE Quick Reference Guide Benefit Vendor Phone & Website Health Network Health Plan

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

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

Benefits Open Enrollment Frequently Asked Questions

Benefits Open Enrollment Frequently Asked Questions Benefits Open Enrollment Frequently Asked Questions Plan year: July 1, 2014, through June 30, 2015 Open Enrollment begins May 15 and ends May 30. You must enroll in order to receive medical, prescription,

More information

Kraft Foods Group, Inc. Retiree Medical and Prescription Plan Summary High Deductible Health Plan

Kraft Foods Group, Inc. Retiree Medical and Prescription Plan Summary High Deductible Health Plan General Provisions Deductible (eligible medical and prescription drug expenses apply to the deductible) Kraft Foods Group, Inc. Retiree Medical and Prescription Plan Summary Care can be obtained in-network

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

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

2015 Benefits at a Glance PART-TIME EMPLOYEES

2015 Benefits at a Glance PART-TIME EMPLOYEES 2015 Benefits at a Glance Important Note CNA Benefits at a Glance provides highlights of the employee benefit programs available to you as a CNA employee. Neither this document nor Company policies and

More information

ROSE MANAGEMENT GROUP

ROSE MANAGEMENT GROUP ROSE MANAGEMENT GROUP Employee Benefit Summary 7/01/2014 6/31/2015 Dear Employee, Rose Management Group is pleased to provide you and your family with a comprehensive, market competitive benefits package

More information

Your Plan: Anthem Bronze PPO 5500/30%/6450 w/hsa Your Network: Prudent Buyer PPO

Your Plan: Anthem Bronze PPO 5500/30%/6450 w/hsa Your Network: Prudent Buyer PPO Your Plan: Anthem Bronze PPO 5500/30%/6450 w/hsa Your Network: Prudent Buyer PPO This summary of benefits is a brief outline of coverage, designed to help you with the selection process. This summary does

More information

Staff Benefits Overview

Staff Benefits Overview Workforce Management Organization (WFMO) Staff Benefits Overview 1 Overview An important part of your employment experience at Tulane is the total rewards program provided by the University in exchange

More information

2015 IBM Health Benefit Comparison Charts for IBM Active Employees

2015 IBM Health Benefit Comparison Charts for IBM Active Employees 2015 IBM Health Benefit Comparison Charts for IBM Active Employees These Health Benefit Comparison Charts provide a summary overview of the coverage available for medical, mental health/substance care

More information

PLUMBERS LOCAL 24 WELFARE FUND

PLUMBERS LOCAL 24 WELFARE FUND PLUMBERS LOCAL 24 WELFARE FUND Quick Reference Guide for JOURNEYMEN Effective January 1, 2015 Important Notice: This is an outline of the principal plan provisions of the Plumbers Local 24 Welfare Plan

More information

GEHA 2014. Health Savings AdvantageSM High-deductible health plan with a health savings account (HSA) (800) 821-6136 geha.com

GEHA 2014. Health Savings AdvantageSM High-deductible health plan with a health savings account (HSA) (800) 821-6136 geha.com GEHA 2014 Health Savings AdvantageSM High-deductible health plan with a health savings account (HSA) (800) 821-6136 geha.com CODE Self Only 341 Self + Family 342 Enrollment checklist 1. Research health

More information

Anthem BCBS PPO 80/60. Network Out-of-Network Network Out-of-Network Network Out-of-Network $1,750 per person. $2,500 per person $5,000 per family

Anthem BCBS PPO 80/60. Network Out-of-Network Network Out-of-Network Network Out-of-Network $1,750 per person. $2,500 per person $5,000 per family Plan PPO 90/70 PPO 80/60 PPO 75/50 Annual Medical Deductible Network Out-of-Network Network Out-of-Network Network Out-of-Network $250 per person $500 per person $500 per person $1,000 per person $900

More information

University of Maine System Employee Benefits Overview

University of Maine System Employee Benefits Overview University of Maine System Employee Benefits Overview OUR COMMITMENT TO YOU Comprehensive, Quality Programs The University of Maine System is proud to offer a comprehensive and competitive benefits program.

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 Core 5A GE Benefits: Adding value beyond your paycheck The Company

More information

U.S. Employees. Supporting You and Your Family Employee Benefits. Overview 2015

U.S. Employees. Supporting You and Your Family Employee Benefits. Overview 2015 U.S. Employees Supporting You and Your Family Employee Benefits Overview 2015 Welcome to AECOM where you ll have the opportunity to work with some of the best and brightest minds in our industry. Your

More information

Tier II: Providers and HPN/Geisinger. After Deductible 80% - Ancillary Services (x-rays, labs) (of Professional Allowance) After Deductible

Tier II: Providers and HPN/Geisinger. After Deductible 80% - Ancillary Services (x-rays, labs) (of Professional Allowance) After Deductible Health Insurance Third-Party Administrator: Geisinger Health Plan Coverage: *Begins your first day of benefit eligibility Deductibles *Dependent children covered to age 26 Annual, calendar year deductibles

More information

inside LIVE SMART. PLAN SMART. HEALTH AND WELLNESS PROGRAM...8 mynurseline SM Service...8 Health-support Resources...8

inside LIVE SMART. PLAN SMART. HEALTH AND WELLNESS PROGRAM...8 mynurseline SM Service...8 Health-support Resources...8 2014 BENEFITS HIGHLIGHTS F E D E R A L R E S E RV E B A N K S > WWW. FE D E R A LR E S E R V E B E N E FI T S. O R G B E N E F I T S inside WHAT EMPLOYEE BENEFITS DO THE FEDERAL RESERVE BANKS OFFER?...2

More information

M&T Bank offers a CDHP that combines traditional medical coverage with a health savings account feature that provides certain tax benefits.

M&T Bank offers a CDHP that combines traditional medical coverage with a health savings account feature that provides certain tax benefits. Benefits Overview M&T Bank understands how important benefits are to you and your family. The benefit plans are designed to meet the varying benefit needs of each employee. Since benefits are a significant

More information

Workforce Management Organization. 2015 COBRA Benefits Overview After Employment or Loss of Eligibility Options

Workforce Management Organization. 2015 COBRA Benefits Overview After Employment or Loss of Eligibility Options Workforce Management Organization 2015 COBRA Benefits Overview After Employment or Loss of Eligibility Options Revised 7/2015 When Benefits Coverage Ends? Your benefit coverage will end at midnight on

More information

Compass Group Benefits Department 800-341-7763 benefits.department@compass-usa.com Online Benefits Center at www.altogethergreat.

Compass Group Benefits Department 800-341-7763 benefits.department@compass-usa.com Online Benefits Center at www.altogethergreat. Compass Group Benefits Department 800-341-7763 benefits.department@compass-usa.com Online Benefits Center at www.altogethergreat.com Look Beyond Your Paycheck To be an employer of choice, Compass Group

More information

2015 PLAN YEAR BENEFITS FOR YOU AND YOUR FAMILY

2015 PLAN YEAR BENEFITS FOR YOU AND YOUR FAMILY 2015 PLAN YEAR BENEFITS FOR YOU AND YOUR FAMILY 1 Dear Fellow Employee, CPSI, the parent company of Evident and TruBridge, is dedicated to providing a comprehensive and competitive benefits package for

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

Employee Benefits Summary

Employee Benefits Summary 2015 Employee Benefits Summary 1 The benefits of work worth doing Quintiles cares about its employees and invests in them with resources and incentives that allow them to establish and maintain comfortable

More information

National Automatic Sprinkler Industry Welfare Fund. Benefits Highlights

National Automatic Sprinkler Industry Welfare Fund. Benefits Highlights National Automatic Sprinkler Industry Welfare Fund Benefits Highlights 2014 This Benefits Highlights booklet does not contain the full plan document and is not a Summary Plan Description for the NASI Welfare

More information

Medicare Options For Retiree/Direct Bill Members

Medicare Options For Retiree/Direct Bill Members Open Enrollment 2014 State Employee Health Plan Medicare Options For Retiree/Direct Bill Members Comparison Chart 2 2013 **Cover photo is titled Road into the Field from the Postcards from Kansas collection

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

PRESENTS FULL-TIME HOURLY & SALARIED TEAM MEMBERS

PRESENTS FULL-TIME HOURLY & SALARIED TEAM MEMBERS PRESENTS FULL-TIME HOURLY & SALARIED TEAM MEMBERS Full-Time Hourly Team Members have at least one year of service and twelve-month average weekly hours of 30 or more Your 2016 Bi-Weekly Benefits Rates*

More information

Insurance and Perks 1

Insurance and Perks 1 Insurance and Perks 1 People First Responsibilities include, but are not limited to: Process Enrollments of State Benefits Process Qualifying Status Changes (QSC) Verification of dependent eligibility

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

Your Plan: Anthem Silver HMO 1500/30%/6550 Your Network: California Care HMO

Your Plan: Anthem Silver HMO 1500/30%/6550 Your Network: California Care HMO Your Plan: Anthem Silver HMO 1500/30%/6550 Your Network: California Care HMO This summary of benefits is a brief outline of coverage, designed to help you with the selection process. This summary does

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

HDHP/HSA. $3,000 per person $6,000 per family (deductible includes medical & prescriptions) $7,000 per person $13,000 per family

HDHP/HSA. $3,000 per person $6,000 per family (deductible includes medical & prescriptions) $7,000 per person $13,000 per family Plan Aetna Select EPO BCBS PPO 90/70 BCBS HDHP/HSA High Option EPO EPO 80 Choice Choice Plus 80/60 Annual Medical Deductible Annual Out-of-Pocket Maximum (includes deductible) Network Only Network Out-of-Network

More information

Tyson Foods, Inc. BENEFITS GUIDE 2016 MAKING A DIFFERENCE. Your Health Your Security Your Future. Hourly TEAM Members

Tyson Foods, Inc. BENEFITS GUIDE 2016 MAKING A DIFFERENCE. Your Health Your Security Your Future. Hourly TEAM Members Tyson Foods, Inc. BENEFITS GUIDE 2016 MAKING A DIFFERENCE Your Health Your Security Your Future Hourly TEAM Members MAKING A DIFFERENCE Your Health Your Security Your Future Once each year, eligible TEAM

More information

4. Identity Theft Protection Plan Preventive Services Restoration Services

4. Identity Theft Protection Plan Preventive Services Restoration Services Sysco offers a full, competitive menu of benefits with a variety of choices to fit your needs. We ve added even more selection to your benefits options for 2016. From four medical plans and a wide range

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

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

From Community Unit School District 303

From Community Unit School District 303 From Community Unit School District 303 Medical Plan Options for 2016 D303 and your Insurance Committee are pleased to offer exciting new benefit options for 2016. District 303 (D303) will offer only three

More information

Oak Ridge National Laboratory. New Coverage New Choices

Oak Ridge National Laboratory. New Coverage New Choices Oak Ridge National Laboratory New Coverage New Choices What we ll cover today What is changing and why? How this affects you Introducing Extend Health Medicare marketplace Going forward Questions & answers

More information

Annual Enrollment 2013. Plan Design and Rates

Annual Enrollment 2013. Plan Design and Rates Annual Enrollment 2013 Plan Design and Rates Today s Meeting Enrollment Dates and Assistance What s New for 2013? Medical Plans Flexible Spending Accounts Dental Plans Vision Plan Disability Life Insurance

More information

2015 BRIEF BENEFITS SUMMARY FOR FULL-TIME EMPLOYEES

2015 BRIEF BENEFITS SUMMARY FOR FULL-TIME EMPLOYEES 2015 BRIEF BENEFITS SUMMARY FOR FULL-TIME EMPLOYEES Health Insurance, Rx, and Vision We offer two choices for medical insurance. All plans include prescription drug and vision benefits. Dependent children

More information

www.anl.gov/careers/benefits 2016 BENEFITS SUMMARY

www.anl.gov/careers/benefits 2016 BENEFITS SUMMARY www.anl.gov/careers/benefits 2016 BENEFITS SUMMARY BENEFITS SUMMARY 2016 VISIONARY SCIENCE, GAME CHANGING INNOVATION. UNMATCHED SCIENTIFIC FACILITIES, PROGRAMS AND TALENT. A VIBRANT, DIVERSE AND INCLUSIVE

More information

BENEFITS AT A GLANCE 2013

BENEFITS AT A GLANCE 2013 BENEFITS AT A GLANCE 2013 Your 2013 Benefits -- At a Glance Benefits Cafeteria Plan Cafeteria Plan Funding with Base Plan provides $750 ($62.50/month). Cafeteria Plan Funding with Accelerated Plan provides

More information

EMPLOYEE INSURANCE BENEFITS 520 N. LAKE PARKER AVE LAKELAND, FL 33801 863-834-6795

EMPLOYEE INSURANCE BENEFITS 520 N. LAKE PARKER AVE LAKELAND, FL 33801 863-834-6795 Effective January 1, 2015 EMPLOYEE INSURANCE BENEFITS 520 N. LAKE PARKER AVE LAKELAND, FL 33801 863-834-6795 WELCOME! The insurance benefits extended to a City of Lakeland regular full-time employee will

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

IEEE BENEFITS SUMMARY

IEEE BENEFITS SUMMARY IEEE BENEFITS SUMMARY January 2009 DEFINED CONTRIBUTION RETIREMENT PLAN ELIGIBILITY All regular full-time and part-time employees are eligible on their date of hire. CONTRIBUTIONS All contributions are

More information

2016 Annual Enrollment Guide

2016 Annual Enrollment Guide 2016 Annual Enrollment Guide FOR NEW MEXICO EMPLOYEES Choose benefits to power your best life. Annual Enrollment is October 26 to November 13, 2015 Changes effective January 1, 2016 JUMP TO COMPARISON

More information

West Texas Cooperative Online Benefit Enrollment Ralls Independent School District

West Texas Cooperative Online Benefit Enrollment Ralls Independent School District West Texas Cooperative Online Benefit Enrollment Ralls Independent School District For benefit information and to enroll go to: www.wtxebc.com 1 Click the Login button to begin your Online Enrollment 2

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

The 2015 open enrollment period for Georgia Perimeter College s benefits plans will be held from November 2 - November 13, 2015.

The 2015 open enrollment period for Georgia Perimeter College s benefits plans will be held from November 2 - November 13, 2015. To: Full-time Employees From: Patrice Masterson Director of Human Resources Date: October 12, 2015 Re: Open Enrollment and Benefits Information The 2015 open enrollment period for Georgia Perimeter College

More information

Summary of Employee Benefits for 2015

Summary of Employee Benefits for 2015 Summary of Employee Benefits for 2015 Health Insurance: Anthem Blue Cross Blue Shield of Colorado Effective Date: 1st day of month following employment There are no pre-existing illness exclusions beginning

More information

2014 Benefits. Security for Life

2014 Benefits. Security for Life 2014 Benefits Security for Life ABS is able to successfully support the industries we serve because of our unique and talented employees. Your hard work, dedication and commitment to our values make you

More information

Graduate Student Insurance Comparison Summary Student Insurance Plan vs. Employer Group Insurance Program

Graduate Student Insurance Comparison Summary Student Insurance Plan vs. Employer Group Insurance Program Graduate Student Insurance Comparison Summary Student Insurance Plan vs. Employer Group Insurance Program Revised 08/20/2015 Graduate Student employees may choose between the Student Insurance Plan administered

More information

SUMMARY OF BENEFITS. Cigna Health and Life Insurance Co. Laramie County School District 2 Open Access Plus Base - Effective 7/1/2015

SUMMARY OF BENEFITS. Cigna Health and Life Insurance Co. Laramie County School District 2 Open Access Plus Base - Effective 7/1/2015 SUMMARY OF BENEFITS Cigna Health and Life Insurance Co. Laramie County School District 2 Open Access Plus Base - Effective General Services In-Network Out-of-Network Physician office visit Urgent care

More information

Frequently Asked Questions: DuPont Retiree Health Plan Changes

Frequently Asked Questions: DuPont Retiree Health Plan Changes New questions and answers added after September 6th, 2012 are shown in blue. The following questions and answers are general in nature. Medicare eligible retirees with specific questions regarding the

More information

2011 DI Care International Benefits Guide

2011 DI Care International Benefits Guide US Expats 2011 DI Care International Benefits Guide BUILDING ON 60 YEARS OF INNOVATION AND TRUST Providing support of U.S. national security and foreign policy objectives, delivering support solutions

More information

Qualcomm United States Benefits

Qualcomm United States Benefits Qualcomm United States Benefits Our benefits package is deep and comprehensive, providing you and your family extensive protection and security, along with quality, life-enhancing programs. When we day

More information