Your Guide to Choosing a Plan

Transcription

1 Your Guide to Choosing a Plan Blue Directions SM makes choosing the right benefit plan fast, easy and accurate! Just follow these steps. 1. Go to bluedirectionsmt.com and click Explore the Basics to learn more about Blue Directions and your Open Enrollment process. 2. For more on your enrollment steps you can See How it Works -- or -- you can begin your enrollment by clicking Start Shopping To begin the enrollment process, click the Get Started button or call Blue Directions customer service at A Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association

2 4. Set up your account by putting in facts about yourself. You will have the chance to add or update information about everyone who needs coverage (such as spouse and/or children). 5. Verify, add or delete dependents from your plan. 6. Take a survey. The answers you provide in our brief survey will help us understand your health needs and how much you can spend. We can then make suggestions for plans that may be right for you View your suggested health plan choices. We will highlight plans that are considered a Great Match based on the survey. 8. View all plans. You can also choose to view all plans available. 8

3 9. Side-by-side shopping. You can compare the plans side-by-side, sort them by deductible and monthly cost, and verify your employer s contribution. 10. Click Show Details to get more information about a plan. 11. Now simply choose your plan. If you are unsure about something or have questions, just call

4 12. Your employer may offer additional coverage options. If so, select one that is right for you. 13. See the appendix (steps #16 through 26) for all additional lines of coverage offered through Blue Directions. 14. Verify your coverage and select Submit. You must make an election by confirming your plan choice and payroll deduction for your plan year. If no plan is chosen, you will automatically be placed in the default coverage, which may not be the best plan for you. 15. That s it. You re Done. Your open enrollment is complete. Tell us about your enrollment experience by taking a short survey. If you have questions or are unsure about your choices: Ask a licensed Blue Directions advisor by calling

5 Appendix Coverage offerings may vary employer by employer. Your employer may or may not choose to offer the following coverage options. 16. HSA Deposit. If you elected an HSA eligible plan, you may view your employer s contribution (if applicable) and determine your own pre-tax contribution. You may use the tax savings calculator to determine how much you will save. 17. Dental. You can view your employer s contribution, compare the plans side-by-side, view the Great Match or decline the benefit altogether. 18. Vision. You can view your employer s contribution, compare the plans side-by-side, view the Great Match or decline the benefit altogether.

6 Appendix (continued) 19. Critical Illness. You can drag the icon to different values of critical illness coverage. As you drag the icon, your cost will change by value. 20. Hospital Indemnity. You can compare the plans side-by-side, view your cost or decline the benefit altogether. 21. Accident Insurance. You can compare the plans side-by-side, view your cost or decline the benefit altogether.

7 Appendix (continued) 22. Short-term Disability. If applicable, you may view your employer s contribution to Shortterm Disability. You can also drag the icon to different values of coverage. As you change the value of coverage, your cost will change. 23. Long-term Disability. If applicable, you may view your employer s contribution to Long-term Disability. You can also drag the icon to different values of coverage. As you change the value of coverage, your cost will change.

8 Appendix (continued) 24. Life Insurance. If applicable, you may view your employer s contribution to Life Insurance. You can increase the coverage amount by dragging icon. As you change the value of coverage, your cost will change. 25. Life Insurance Beneficiaries. Once you have selected your Life Insurance coverage amount, you may edit your beneficiaries. You may choose a payout percentage for both your primary beneficiaries and your fall-back beneficiaries. 26. Life Insurance Evidence of Insurability. If you elect Life Insurance, you must download the Evidence of Insurability Form, provide a little health history, and send the form to the carrier (instructions for submission are at the top of the document). 26