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

Size: px
Start display at page:

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

Transcription

1 Workforce Management Organization 2015 COBRA Benefits Overview After Employment or Loss of Eligibility Options Revised 7/2015

2 When Benefits Coverage Ends? Your benefit coverage will end at midnight on the last day of the month in which: o Your regular work schedule is reduced to less than 50% of full-time benefits eligibility o Your assignment is reduced to less than seven months o Your employment with the University ends due to resignation, termination, or death o You stop paying your share of coverage during an unpaid leave of absence Dependent coverage ends: o When your coverage ends o The end of the month in which they turn 26 2

3 What are my options? After employment with the University ends or loss of eligibility of benefits occurs, you have several options to consider. If you wish to continue your medical, dental, vision, and healthcare flexible spending account coverage, you may do so through the Consolidated Omnibus Budget Reconciliation Act (COBRA). You also have the ability to review options that may be available to you under the Affordable Care Act at: This presentation will provide you information regarding how Tulane benefits will change for your post-employment or loss of eligibility. 3

4 When will my Tulane benefits be terminated? o Understanding COBRA Coverage All Tulane benefits will terminate at midnight on the last day of the month in which separation of employment occurs. In addition, all benefits will terminate at midnight on the last day of the month that a dependent(s) attains the age of 26, or at midnight on the last day of the month in which they get married. How can I continue my Medical, Dental, Vision, and Healthcare Flexible Spending Account benefits? o If you are currently enrolled in any of the above referenced plans, you will have the option to continue benefits under the Consolidated Omnibus Budget Reconciliation Act (COBRA) for 18 months (dependents may be able to continue for 36 months) with the exception of the Healthcare Flexible Spending Account, which can be continued through the end of the current calendar year. There isn't any tax benefit to continue on this account. Will I receive a notification stating I am eligible for COBRA? o Yes. You will receive a notice stating your right to choose to continue benefits provided by the plan from Tulane s COBRA administrator, WageWorks. This notice is for the employee and all beneficiaries on any of the eligible plans. Will I need to provide proof of prior coverage? o Yes. A certificate of group health coverage will be provided by United Healthcare if you were enrolled in one of the University s medical plans. You may need this certificate for your new group or individual plan to provide evidence of your prior coverage. 4

5 Timeline of COBRA Benefits Within 30 days of separation from the University or eligibility change, Tulane will notify WageWorks. You have 60 days to notify WageWorks of accepting coverage. Once payment is received, backdate of your coverage will occur. Once covered, you can submit any bills you may have paid out-ofpocket in the interim. Within 14 days from being notified, WageWorks will send you a packet outlining what is available. After notifying WageWorks of your intent to take COBRA coverage, you have 45 days to pay them for coverage. Once COBRA coverage is chosen, you are required to pay for 102 percent of the cost of coverage. Reminder: None of this can take place until your Department processes your termination or eligibility change in the HCM system. You cannot get the paperwork from WageWorks prior to your termination. Tulane is unable to speed up or change this process. 5

6 MEDICAL BENEFITS COBRA allows employees and beneficiaries to continue their current coverage. Changes to their elections may only happen during an open enrollment period. In 2015, Tulane offered two medical coverage options with our partner, United Healthcare. Please see the following chart for a summary of services for each of the two plans Health Reimbursement Account (HRA) and Point of Service (POS). HRA Plan Employee Pays (In-Network) POS Plan Employee Pays (In-Network) Annual Deductible Single: $1,500 Family: $3,000 Single: $500 Family: $1,000 HRA Funding $500 Single/$1,000 Family Pays after the initial $1,000 Single/ $2,000 Family deductible has been paid Net Deductible Single: $1,000 Family: $2,000 Single: $500 Family: $1,000 Out of Pocket Max. (including copays, deductibles, and coinsurance) Single: $4,000 Family: $8,000 Single: $2,500 Family: $5,000 Coinsurance 20% 20% Hospital Services 20% after deductible 20% after deductible Emergency Room $150 copay $150 copay Urgent Care Visit $50 copay $50 copay Office Visit Copay $25 copay PCP $50 copay Specialist N/A $25 copay PCP $50 copay Specialist Preventive Screening Covered in Full Covered in Full Separate Prescription Drug Deductible: $100 Retail Prescription Drugs Tier 1 - $10 copay, Tier 2 - $35 copay, Tier 3 - $60 copay Deductible is per person, three per family must satisfy Separate Prescription Drug Deductible: $100 Mail Order Prescription Drugs Tier 1 - $30 copay, Tier 2 - $105 copay, Tier 3 - $180 copay Deductible is per person, three per family must satisfy Please visit my.uhc.com for out-of-network covered services and costs. 6

7 2015 COBRA MEDICAL PLAN MONTHLY RATES* Total Monthly COBRA Rates: Medical HRA Plan POS Plan Employee $ $ Employee + Spouse $1, $1, Employee + Child(ren) $ $ Employee + Family $1, $1, * Rates do not include the 2% administrative fee. 7

8 2015 DELTA DENTAL INSURANCE Below is the summary of coverage and monthly COBRA contribution rates. BENEFITS AND COVERED SERVICES: High Plan Low Plan BASIC SERVICES: Diagnostic and preventive benefits: Exams, cleanings, x-rays, sealants 2015 COBRA DENTAL PLAN MONTHLY RATES* In-Network Out-of-Network In-Network Out-of-Network 100% 100% 100% 100% Fillings, simple tooth extractions, endodontics (root canals) treatment of tooth pulp except root canal treatment, periodontics maintenance of gums and bones supporting teeth and basic oral 80% 80% 80% 80% surgery, denture repairs MAJOR BENEFITS: Complex oral surgery, endodontics (root canals) root canal treatment, major periodontics services including surgical treatment of gums and bones. Crowns, inlays, onlays, general anesthesia or IV 50% 50% not covered sedation Orthodontic benefits: dependent children 50% 50% not covered DEDUCTIBLES: Per enrollee per calendar year: $50 $50 Per family per calendar year: $150 $150 BENEFITS AND COVERED SERVICES: High Plan Low Plan Diagnostic, preventive and orthodontic benefits, if applicable, are not subject to the deductible. MAXIMUM AMOUNTS: Per enrollee per calendar year: $1,500 $1,000 Lifetime for orthodontic services per enrollee under age 19: $1,500 not covered Low Option High Option Employee Only $17.19 $22.89 Employee + Spouse $35.52 $41.32 Employee + Child(ren) $37.97 $50.60 Family $62.39 $

9 VISION INSURANCE Below is a summary of covered vision care services and COBRA rates VISION PLAN COVERAGE SUMMARY Vision Care Services Member Cost (In-Network) Eye Exam (One Per Year) $10 Plain Lenses (One set every year - Single Vision, Bifocal, Trifocal, Lenticular) Frame (One Set Every Two Years) Contact Lenses Allowance in Lieu of Glasses Medically Necessary Contact Lenses $20, Additional Cost for Lens Options (tint, etc.) Included in Copayment Lenses ($140 allowance) $105 Allowance Paid in Full Please visit eyemed.com for out-of-network covered services and costs COBRA VISION PLAN MONTHLY RATES* Employee Only $6.15 Employee + Spouse $11.69 Employee + Child(ren) $12.30 Family $

10 Flexible Spending Account Healthcare FSA Former employees may continue to contribute to their healthcare FSA through the end of the plan year as long as they elect continued health coverage under COBRA. Since contributions are not through payroll deduction post-employment, contributions will be made post-tax. Employees have until April 30th following the end of the plan year to submit reimbursement requests for expenses incurred during the previous calendar year while under COBRA. If former employees choose not to elect continuation of their healthcare FSA under COBRA, coverage will cease at the employment termination date. Dependent Care FSA Former employees that make contributions to a dependent care FSA will lose coverage at the end of the employment termination date. Employees have until April 30th following the end of the plan year to submit reimbursement requests to eligible expenses incurred through the coverage end date (end of the month in which employment terminates) and cannot contribute to the account. 10

11 Additional Benefits In addition to the medical, dental, vision, and healthcare flexible spending account benefits, the following section will outline benefits that are available to you as a past employee of Tulane. These benefits are not provided through COBRA. The following benefits are available to a past employee: Life Insurance Retirement Tuition Waiver Employee Assistance Program (EAP) 11

12 Life Insurance You may elect to continue the Life Insurance you had with the University. If you wish to convert or port coverage, you must apply within 60 days of the date your group coverage ends by calling The Standard at (800) Rates are determined by The Standard on an individual basis. 12

13 Retirement Plans If you had a Retirement Account with TIAA-CREF or Fidelity Investments, you are not required to make an immediate withdrawal. You have the option of withdrawing your funds, rolling them to another qualified plan or leaving them within one of the Tulane Plans. For questions or to request the proper withdrawal/rollover forms, please contact TIAA-CREF or Fidelity Investments. TIAA-CREF can be reached at (800) and Fidelity Investments may be reached at (800) If you had a 457 plan, please contact WFMO benefits department at

14 Tuition Waiver Employees that are involuntarily terminated and are currently enrolled or have a dependent(s) currently enrolled in classes, are allowed to complete the semester in which they are currently enrolled using the tuition waver. However, the policy states if an employee submits a resignation at any time during the semester, the waiver will be reversed and the tuition is the student s responsibility. After the semester is complete, the employee or dependent(s) will not be eligible for the tuition waiver. The exceptions to the rules stated above are the following: The employee completed 25 years of full-time regular service with Tulane The employee is accepted for Long Term Disability Lastly, dependents are eligible if the employee dies during their service at the University. Call Workforce Management at (504) for more information about Tuition Waiver. 14

15 Employee Assistance Program (EAP) You will have the option to continue EAP benefits under the Consolidated Omnibus Budget Reconciliation Act (COBRA) for 18 months, rate is $1.02 per month. The University recognizes that employees who experience personal and workplace problems may need professional assistance, which is why the University contracts with an outside vendor to provide an Employee Assistance Program (EAP) now managed by Optum. Our EAP offers solutions for living well at home and at work. Optum counselors provide confidential support for a variety of concerns, from coping with stress to information and support on financial issues, child care, legal issues, relationships, and other life challenges. Their goal is to help you live a happier, more fulfilling life today and every day. These services are available to you and your household members 24 hours a day, 7 days a week, and are completely confidential. Reach Optum professionals by telephone at , or visit the website at (access code: Tulane). 15

16 BENEFIT PLAN CONTACTS Medical Plan United HealthCare: Phone Number: , Group #: , Website: Dental Plan Delta Dental: Phone Number: , Group #: LA15266, Website: Vision Plan Eye Med: Phone Number: , Group #: , Website: COBRA Plan WageWorks: Phone Number: WAGEWORKS ( ), Website: Life Insurance The Standard: Phone Number: (800) Retirement Plans Fidelity: Phone Number: (800) TIAA-CREF: Phone Number: (800) Tuition Waiver Workforce Management: Phone Number: (504) , EAP Optum: , (access code: Tulane). Vacation Accrual Workforce Management, Payroll: Phone Number: (504) , 16

17 Workforce Management Organization tulane.edu/wfmo

Tulane University. Workforce Management. Faculty Benefits Overview

Tulane University. Workforce Management. Faculty Benefits Overview Workforce Management Faculty Benefits Overview 1 An important part of your employment experience at Tulane is the total rewards program provided by the University in exchange for your support of our mission.

More information

Employee Benefits Summary. Plan Year 2014/15

Employee Benefits Summary. Plan Year 2014/15 Employee Benefits Summary Plan Year 2014/15 WELCOME -3- Mount Ida College offers a competitive benefits package to all eligible faculty and staff. The following is a summary of the benefit plans offered.

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

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

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

Employee Benefits Summary. Plan Year 2015/16

Employee Benefits Summary. Plan Year 2015/16 Employee Benefits Summary Plan Year 2015/16 WELCOME -3- Mount Ida College offers a competitive benefits package to all eligible faculty and staff. The following is a summary of the benefit plans offered.

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

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

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 Medical and Dental Plan Comparison Chart

2015 Medical and Dental Plan Comparison Chart Benefits for Professional Staff 2015 Medical and Dental Plan Comparison Chart This workplace has been recognized by the American Heart Association for meeting criteria for employee wellness. This chart

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

2 Medical Health Insurance Plans Dental Plan Option Vision Plan Option

2 Medical Health Insurance Plans Dental Plan Option Vision Plan Option STUDENT OSTEOPATHIC MEDICAL ASSOCIATION 2013-2014 SCHOOL YEAR PLAN SUMMARIES COLLEGE HEALTH INSURANCE PROGRAM 2 Medical Health Insurance Plans Dental Plan Option Vision Plan Option The 2013-2014 complete

More information

Federal Employee Dental and Vision Options

Federal Employee Dental and Vision Options Federal Employee Dental and Vision Options 2016 Guide for Presbyterian Health Plan Members For more information: 1804 Juan Tabo NE, Suite A, Albuquerque, NM 87112 888 862 8659 505 237 1501 benefitsource.org

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

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

FACULTY (IFO) CANDIDATE BENEFITS SUMMARY

FACULTY (IFO) CANDIDATE BENEFITS SUMMARY Human Resources Office Rev. Jan. 2013 FACULTY (IFO) CANDIDATE BENEFITS SUMMARY The benefits listed are subject to change pending state and federal legislation and changes in the negotiated agreements.

More information

BEMIDJI STATE UNIVERSITY BENEFITS SUMMARY for ADMINISTRATORS

BEMIDJI STATE UNIVERSITY BENEFITS SUMMARY for ADMINISTRATORS Human Resources BEMIDJI STATE UNIVERSITY BENEFITS SUMMARY for ADMINISTRATORS The benefits listed are subject to change pending state and federal legislation and MnSCU Board Regulations. For further information

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

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

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 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

BEMIDJI STATE UNIVERSITY FACULTY (IFO) CANDIDATE BENEFITS SUMMARY

BEMIDJI STATE UNIVERSITY FACULTY (IFO) CANDIDATE BENEFITS SUMMARY Human Resources Office May, 2014 BEMIDJI STATE UNIVERSITY FACULTY (IFO) CANDIDATE BENEFITS SUMMARY The benefits listed are subject to change pending state and federal legislation and changes in the negotiated

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

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

HEALTH CARE BENEFIT HIGHLIGHTS

HEALTH CARE BENEFIT HIGHLIGHTS HEALTH CARE BENEFIT HIGHLIGHTS Dear UAW Trust Member, ADDENDUM TO THE BENEFIT HIGHLIGHTS, SCHEDULE OF BENEFITS, AND SUMMARY PLAN DESCRIPTION PREVIOUSLY PUBLISHED. 2015 The UAW Retiree Medical Benefits

More information

2012 Health Care Benefit Highlights

2012 Health Care Benefit Highlights 2012 Health Care Benefit Highlights Addendum to the 2011 Benefit Highlights, Schedule of Benefits, and Summary Description previously published. Dear UAW Trust Member, The UAW Retiree Medical Benefits

More information

Delta Dental Individual and Family

Delta Dental Individual and Family Delta Dental Individual and Family for the Arkansas Retired Teachers Association DENTAL AND VISION PLANS AT A PRICE THAT WILL MAKE YOU SMILE. WHY DENTAL INSURANCE? To improve your health People with dental

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

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

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

Benefits Cost & Coverage INFORMATION GUIDE A comparison of benefit coverage and cost supplement information.

Benefits Cost & Coverage INFORMATION GUIDE A comparison of benefit coverage and cost supplement information. Benefits Cost & Coverage INFORMATION GUIDE A comparison of benefit coverage and cost supplement information. This document provides Health Care and Voluntary Benefits cost and coverage information offered

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

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

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

2015 BENEFIT FACTS & FEATURES

2015 BENEFIT FACTS & FEATURES 2015 BENEFIT FACTS & FEATURES BENEFIT BASICS After you make your elections as a new employee, each year you will have the opportunity to make changes to your benefit elections during Open Enrollment. The

More information

Dental and Vision Plan Information for OSU/A&M System Employees

Dental and Vision Plan Information for OSU/A&M System Employees Employee Benefit Options Guide Plan Year 2016 January 1 through December 31, 2016 Dental and Vision Plan Information for OSU/A&M System Employees www.sib.ok.gov Oklahoma State University/A&M System Monthly

More information

2014 Medical and Dental Plan Comparison Chart

2014 Medical and Dental Plan Comparison Chart Benefits for Residents 2014 Medical and Dental Plan Comparison Chart This chart is only a summary. For details, limitations, and exclusions, please contact your Professional Staff Benefits Office for the

More information

IMRF-endorsed health insurance programs

IMRF-endorsed health insurance programs IMRF-endorsed health insurance programs Read this booklet for information on choosing a health care plan endorsed by the IMRF Board of Trustees. This booklet also includes information about: Medicare Part

More information

EMPLOYEE DENTAL PLANS

EMPLOYEE DENTAL PLANS EMPLOYEE DENTAL PLANS State Health Benefits Program ELIGIBILITY The Employee Dental Plans are available to full-time State employees, full-time employees of a local employer (county, municipality, school

More information

Dental and vision coverage for your total health

Dental and vision coverage for your total health Dental and vision coverage for your total health The mouth and eyes are important parts of your body, and your health. Regular dental and vision checkups can help nd early warning signs of disease. So

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

Frequently Questioned Services

Frequently Questioned Services Frequently Questioned Services This chart lists items the Office of Personnel Management often receives inquiries on as to how, or if, the items are covered under our benefit Programs. Links to Program

More information

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

Medical. Employee Benefits Guide. Dental. Vision. Transamerica Cancer Plan. Life/AD&D LTD. 403(b) & Matching and Supplemental Retirement

Medical. Employee Benefits Guide. Dental. Vision. Transamerica Cancer Plan. Life/AD&D LTD. 403(b) & Matching and Supplemental Retirement Medical Employee Benefits Guide January 1, 2012 December 31, 2012 Dental Vision Transamerica Cancer Plan Life/AD&D LTD As a valued employee of Xavier University of Louisiana, you are eligible for a comprehensive

More information

20 B 15 E N E F I T S G U I D E

20 B 15 E N E F I T S G U I D E 2015 BENEFITS GUIDE CONTENTS Welcome 1 2015 Benefit Highlights 2 Healthcare Reform 3 Eligibility 4 Medical Plan Descriptions 5 Medical Plans at a Glance 6 2015 E M P L O Y E E B E N E F I T S DEAR VALUED

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

RETIREE DENTAL PLANS

RETIREE DENTAL PLANS RETIREE DENTAL PLANS Eligible Members of the State Health Benefits Program (SHBP) and School Employees Health Benefits Program (SEHBP) The Retiree Dental Plans are offered to retirees eligible to enroll

More information

2014 BENEFITS ENROLLMENT GUIDE BENEFITS FOR A HEALTHY LIFESTYLE

2014 BENEFITS ENROLLMENT GUIDE BENEFITS FOR A HEALTHY LIFESTYLE FULL-T I ASSOC ME I AT E S 2014 BENEFITS ENROLLMENT GUIDE BENEFITS FOR A HEALTHY LIFESTYLE 1 Weis Markets Annual Benefits Enrollment What s Inside Page Welcome to Open Enrollment... PAGE 3 What s New for

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

US Airways Medicare Options US Trust 2015 Benefits Guide

US Airways Medicare Options US Trust 2015 Benefits Guide US Airways Medicare Options US Trust 2015 Benefits Guide Welcome to the 2015 Medicare Options US Trust Retiree Benefit Plans This guide includes detailed information regarding the benefit options available

More information

Delta Dental of Wisconsin 2015 Open Enrollment Materials. For AFSCME Council 24, Wisconsin State Employees Union

Delta Dental of Wisconsin 2015 Open Enrollment Materials. For AFSCME Council 24, Wisconsin State Employees Union Delta Dental of Wisconsin 2015 Open Enrollment Materials For AFSCME Council 24, It s open enrollment time. Follow the steps to edit your current coverage or enroll in the plan. If you are currently enrolled

More information

Benefit Program Information for Retirees

Benefit Program Information for Retirees Benefit Program Information for Retirees 2015 Last updated: April 15, 2015 Northwestern University Page 2 Plan Highlights Faculty and Staff who retire from Northwestern University and are participating

More information

Premera DentalBlueTM FOR ALASKA GROUPS WITH 2+ EMPLOYEES

Premera DentalBlueTM FOR ALASKA GROUPS WITH 2+ EMPLOYEES Premera DentalBlueTM FOR ALASKA GROUPS WITH 2+ EMPLOYEES January 2016 Dental product options for a more attractive benefits package Premera Blue Cross Blue Shield of Alaska dental plans offer the choice

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

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

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

BENEFITS COST & COVERAGE INFORMATION GUIDE

BENEFITS COST & COVERAGE INFORMATION GUIDE 2012 BENEFITS COST & COVERAGE INFORMATION GUIDE A COMPARISON OF BENEFIT COVERAGE AND COST SUPPLEMENT INFORMATION FACULTY/STAFF/RESEARCH POST DOCS This document provides Health Care and Voluntary Benefits

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

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

Dental Plans YOUR GUARDIAN PLAN OFFERS:

Dental Plans YOUR GUARDIAN PLAN OFFERS: Dental Plans Option 1 or 2: With your High Plan or Low Plan plan, you can visit any dentist; but you pay less out-of-pocket when you choose a PPO dentist. COMPARE THE PLANS Option 1: High Plan Option 2:

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

EmblemHealth Preferred Dental

EmblemHealth Preferred Dental EmblemHealth Preferred Dental Unique coverage levels at affordable group rates. Here s how EmblemHealth Preferred Dental will deliver for you: Complete your benefits package with paid-infull* in-network

More information

More to feel good about. Baltimore City Public Schools. 2011 Dental Options

More to feel good about. Baltimore City Public Schools. 2011 Dental Options More to feel good about. Baltimore City Public Schools 2011 Dental Options Baltimore City Public Schools Important Phone Numbers for 2011 DHMO Customer Service (410) 847-9060 or (888) 833-8464 Mailing

More information

BENEFITS SUMMARY Resident & Fellow Trainees

BENEFITS SUMMARY Resident & Fellow Trainees BENEFITS SUMMARY Resident & Fellow Trainees Rev. 04/08 University of Wisconsin Hospital and Clinics Authority (UWHC) Human Resources Benefits Office HR Benefits Satellite Office 635 Science Drive, Suite

More information

2014 2014 2014 Benefits Plan Highlights 2014

2014 2014 2014 Benefits Plan Highlights 2014 2014 2014 2014 2014 Benefits Plan Highlights 2014 Table of Contents Core Benefits... 3 Life Insurance... 3 Accidental Death & Dismemberment (AD&D) Insurance... 3 Short- Term Disability Coverage... 3 Long

More information

Employee Benefits Information Open Enrollment 2016

Employee Benefits Information Open Enrollment 2016 Palo Alto Unified School District Benefits Information Open Enrollment 2016 OPEN ENROLLMENT CALENDAR Important Dates October 23, 2015 October 26 - November 6, 2015 October 29, 2015 November 5, 2015 What

More information

ProtectPlus Dental Plan

ProtectPlus Dental Plan ProtectPlus Dental Plan 2016 Rates & Benefits Direct 2016 ProtectPlus Dental Rates Solo Practitioners (Level D1) Employee Only $70.34 $70.34 $69.15 $70.34 Employee + 1 $125.00 $125.00 $122.92 $125.00 Employee

More information

Find the plan that s right for you

Find the plan that s right for you Take a glance at what our plans have to offer Plans at a glance for s and families Effective January 1, 2014 Find the plan that s right for you Our easy-to-understand plans offer comprehensive benefits

More information

Plans for Families and Adults with Comprehensive Coverage Features & Benefit Details

Plans for Families and Adults with Comprehensive Coverage Features & Benefit Details Page 1 of 7 s for Families and Adults with Comprehensive Coverage Network Premier Altus Dental Participating Dentists Blue Cross PPO Dental Preferred Dentist Program Plus EPO Family EPO DentalGuard Preferred

More information

OF MIRAMAR 2016 RETIREE BENEFIT HIGHLIGHTS

OF MIRAMAR 2016 RETIREE BENEFIT HIGHLIGHTS Thank you for your years of service to the City of Miramar. Your benefits are a very important part of your compensation package as a City of Miramar Retiree and I wanted to deliver a personal message

More information

(1) may be provided under contract with another health care insurer;

(1) may be provided under contract with another health care insurer; Sec. 21.42.385. Dental, vision, and hearing coverage. (a) Except for a fraternal benefit society, a health care insurer that offers, issues for delivery, delivers, or renews in this state a health care

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

Employee Benefits 2014. An Overview of Your Benefits Program

Employee Benefits 2014. An Overview of Your Benefits Program Employee Benefits 2014 An Overview of Your Benefits Program Medical 1 Pharmacy 4 Dental 4 Flexible Spending Accounts 6 Life Insurance 7 Disability 8 Additional Benefits 9 Vacation, Personal, Holiday and

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

TEMPLE UNIVERSITY 1199C & PTEA PART TIME EMPLOYEES BENEFITS SUMMARY

TEMPLE UNIVERSITY 1199C & PTEA PART TIME EMPLOYEES BENEFITS SUMMARY TEMPLE UNIVERSITY 1199C & PTEA PART TIME EMPLOYEES BENEFITS SUMMARY E-Class 51,96,9C, Part-Time July, 2010 1199C & PTEA BENEFIT SUMMARY INDEX Health Insurance Options... 2 Personal Choice Plan... 3 Keystone

More information

DENTAL DENTAL PLAN of North Carolina

DENTAL DENTAL PLAN of North Carolina DENTAL DENTAL PLAN of North Carolina 333 Six Forks Rd Ste 18 Raleigh NC 27609 800-662-8856 http://www.deltadentalnc.org Plan Document Group #1100 This document should be read in conjunction with the Schedule

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

Individual Dental Insurance

Individual Dental Insurance Individual Dental Insurance From Delta Dental of Wisconsin Be your own individual with dental plans from the most trusted name in dental benefits. Plan designs and rates subject to change without notice.

More information

ADN Administrators, Inc. PO Box 610 Southfield, MI 48037 248-901-3705 Utica Community Schools Dental Benefits Plan Group # 9210 Teachers with other dental coverage (COB) The Plan-at-a-Glance Maximum Benefits

More information

Affordable dental plan and package options for Medicare Supplement plan members

Affordable dental plan and package options for Medicare Supplement plan members Affordable dental plan and package options for Medicare Supplement plan members Last updated: November 2014 Blue Shield of California rates effective: August 1, 2014 Something to smile about Make the choice,

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

Statewide Vision Program EyeMed Vision Care Plan - Frequently Asked Questions

Statewide Vision Program EyeMed Vision Care Plan - Frequently Asked Questions Statewide Vision Program EyeMed Vision Care Plan - Frequently Asked Questions Q. Who is eligible to enroll? A. Active State of Delaware employees, pensioners, Long Term Disability (LTD) recipients, and

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

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

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

IT S TIME TO CHOOSE YOUR 2015 HEALTH INSURANCE

IT S TIME TO CHOOSE YOUR 2015 HEALTH INSURANCE IT S TIME TO CHOOSE YOUR 2015 HEALTH INSURANCE IMPORTANT NOTICE. PLEASE READ. TO: Associates of Isagenix Choosing your health insurance has never been more important. The Affordable Care Act requires that

More information

UNIVERSITY OF MISSOURI SYSTEM

UNIVERSITY OF MISSOURI SYSTEM UNIVERSITY OF MISSOURI SYSTEM Your Benefits At A Glance 2015 FACULTY AND STAFF BENEFITS GUIDE What s inside Be prepared & take action 1 Medical plan options 2 Healthy Savings Plan Custom Network Plan PPO

More information

OUTLINE OF COVERAGE HEALTH NET LIFE INSURANCE COMPANY INDIVIDUAL MEDICARE SUPPLEMENT OPTIONAL SUPPLEMENTAL BENEFITS GUIDE

OUTLINE OF COVERAGE HEALTH NET LIFE INSURANCE COMPANY INDIVIDUAL MEDICARE SUPPLEMENT OPTIONAL SUPPLEMENTAL BENEFITS GUIDE OUTLINE OF COVERAGE HEALTH NET LIFE INSURANCE COMPANY INDIVIDUAL MEDICARE SUPPLEMENT OPTIONAL SUPPLEMENTAL BENEFITS GUIDE Health Net Life Insurance Company Individual Medicare Supplement plans provides

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

SMALL GROUP PLANS FOR FAMILIES AND ADULTS WITH COMPREHENSIVE COVERAGE Page 1 of 9 Features & Benefit Details

SMALL GROUP PLANS FOR FAMILIES AND ADULTS WITH COMPREHENSIVE COVERAGE Page 1 of 9 Features & Benefit Details SMALL GROUP PLANS FOR FAMILIES AND ADULTS WITH COMPREHENSIVE COVERAGE Page 1 of 9 PLAN NETWORK Premium range child under age 19* Sample premium range typical family of 4* Is this a smaller network? Is

More information

The Standard Select SM Group Dental Insurance Flexible Dental Plans for Small Businesses

The Standard Select SM Group Dental Insurance Flexible Dental Plans for Small Businesses The Standard Select SM Group Dental Insurance Flexible Dental Plans for Small Businesses STANDARD INSURANCE COMPANY Your Proposed Group Insurance Plan Standard Insurance Company appreciates the opportunity

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

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

HEALTH CARE DENTAL CARE

HEALTH CARE DENTAL CARE UNIVERSITY OF DAYTON MEDICARE SUPPLEMENT PLAN OPEN ENROLLMENT HEALTH CARE DENTAL CARE 2016 Office of Human Resources 300 College Park Dayton, OH 45469-1614 Phone 937-229-2541 Fax 937-229-2009 O65 1 Health

More information

High Deductible Health Plan (HDHP) and Health Savings Account (HSA) Frequently Asked Questions CY2015

High Deductible Health Plan (HDHP) and Health Savings Account (HSA) Frequently Asked Questions CY2015 High Deductible Health Plan (HDHP) and Health Savings Account (HSA) Frequently Asked Questions CY2015 High Deductible Health Plan 1. What is a deductible? A. A deductible is a fixed amount of money that

More information

Employee Benefits. Your

Employee Benefits. Your Your Employee Benefits for employees hired after 1/1/2006 Revised 1/1/2015 Medical Insurance Dental Insurance Vision Insurance Life Insurance Accident Insurance Disability Insurance Flexible Spending Accounts

More information

Health Insurance Enrollment Form

Health Insurance Enrollment Form Health Insurance Enrollment Form Complete the Enrollment Form to Elect or Decline Coverage You MUST Complete the Enrollment Form for the New Hire Process You MUST Elect or Decline Medical Coverage on the

More information