As an employee of ABC Company, you may be eligible for certain benefits—such as medical, dental, vision and life insurance—at group rates. ABC Company.

As an employee of ABC Company, you may be eligible for certain benefits—such as medical, dental, vision and life insurance—at group rates. ABC Company pays for the majority of the monthly cost of the benefits you choose to enroll in, and you pay a portion as well. In addition, the company pays the entire cost of [list benefits that are free to employees] on your behalf. Keep viewing this presentation to learn more.

Our Benefits Plans: Recognize our diverse population
Are competitive in the market Provide physical and financial security for you and your family Our benefits plans are designed to recognize the diverse needs of our employees. We try to: Maintain a program that considers individual needs; Provide competitive and comprehensive benefit options that allow you to design your own plan based on those needs and are competitive in our market, and; Provide long-term financial security for you and your family. We encourage you to review each of your options before making your benefit elections. Only you can determine which benefits are best for you and your family. We want you to understand all of your options and make informed decisions.

Benefit Eligibility Core Health & Welfare Benefits you are eligible if you work at least 30 hours per week Eligible dependents include: Your legal spouse Your domestic partner Your children up to age 26 Retirement Benefits require 1,000 hours worked for eligibility Notes: You are benefits eligible if you work at least 30 hours per week. Your eligible dependents, including your legal spouse, children up to age 26 and your domestic partner, are eligible as soon as you meet eligibility requirements.

Coverage Information 2018 elections remain in effect from January 1 through December 31 Can only make changes if you experience a qualified “Life Event” You must notify HR within 30 days of the change! Choose wisely! Once you elect your ABC Company benefit options, those elections remain in effect for the plan year (January 1 through December 31). You may only change coverage due to a qualified life event and must do so within 30 days of the event. ABC Company encourages you to review all of your benefits and make your selections wisely.

Benefit Costs Washington College pays the majority of the cost for many of your benefits You share the cost for others, and You pay the full cost of any voluntary benefits you elect ABC Company provides a large selection of benefits --- some at no cost to you, some you pay for and other benefits costs are split between the company and you. This helps you create the best program that fits your needs and your lifestyle. The company pays for basic life and AD&D insurance, disability coverage, and the employee assistance plan. You and the company share the cost for medical and dental coverage, and You pay for supplemental life and AD&D insurance, and voluntary benefits you elect, such as the flexible spending accounts or commuter benefits.

Overview Medical & Prescription
CIGNA (3 options) *PLAN CHANGES FOR 2018, NEW ID CARDS* Preserver—OAP PPO High Deductible Health Plan with Health Savings Account (HSA) Defender—OAP PPO Protector—OAPIN (In Network Only) Dental Delta (2 Options)—100% Employee Paid Vision Advantica Vision—100% Employee Paid Flexible Spending Accounts (FSAs) *NEW VENDOR* Flores Health Care FSA Limited Use Health Care FSA (HDHP with HSA Plan Participants ONLY) Dependent Care FSA Basic Life and Long Term Disability UNUM—100% Employer Paid Optional Life Insurance UNUM—100% Employee Paid Online Enrollment Portal

Your Medical Benefits Preserver—Consumer Driven Health Plan (CDHP) – OAP High Deductible Health Plan (HDHP) with a Health Savings Account (HSA): A network-based plan that encourages members to receive covered services from preferred physicians, health care practitioners or facilities. This plan combines a HDHP with a tax-favored HSA and empowers members to be involved healthcare consumers. Protector—OAPIN: A network of physicians, other health care practitioners and facilities that provide a wide spectrum of health care services. Gives members the freedom to see any in-network health care professional they choose (including specialists) without a referral. Defender—OAP PPO: A network-based plan that encourages members to receive covered services from preferred physicians, health care practitioners or facilities. Members may use other physicians, health care practitioners or facilities that are outside the network, however, they will have higher out-of-pocket costs and more administrative tasks if they do. You have a choice of [two, three, four] medical plan options, each with different costs. Here’s a look at some of the medical benefits available to you. Please refer to your benefit guide for complete coverage information. [Provide any special notes about the coverage shown in this slide.]

Preserver- OAP PPO HDHP w/ HSA
Your Medical Benefits Preserver- OAP PPO HDHP w/ HSA Protector OAPIN Defender OAP PPO Deductible $1,350 Individual $2,700 Family $500 Individual $1,000 Family $1,000 Individual $2,000 Family Out-of-Pocket Maximum $2,500 Individual $4,500 Family $3,000 Individual $6,000 Family $4,500 Individual $9,000 Family Co-Insurance 80% 90% Physician Office Visits- Sickness & Injury 80% After Deductible $25 Primary Care $35 Specialist $35 Primary Care $40 Specialist Preventive Service 100% Inpatient Hospitalization $250 Copay, then 90% After Deductible Emergency Room $100 (waived if admitted) Urgent Care Center $50 Physical, Speech, & Occupational Therapy $35 $40 Prescription Drugs – Retail (30 Day Supply) $10 tier 1 / $35 tier 2 / $60 tier 3, After Deductible $10 tier 1 / $35 tier 2 / $60 tier 3 $100 Individual/$200 Family Deductible, then $10 tier 1 / $35 tier 2 / $60 tier 3 Out-of-Network Option Yes (separate deductible, coinsurance) None Yes (separate deductible & coinsurance) You have a choice of [two, three, four] medical plan options, each with different costs. Here’s a look at some of the medical benefits available to you. Please refer to your benefit guide for complete coverage information. [Provide any special notes about the coverage shown in this slide.]

Preserver- OAP PPO HDHP/HSA
meet Carlos Single, in his 40s Heart disease; controlling health through medication Looking to save money for future health expenses Preserver- OAP PPO HDHP/HSA Protector OAPIN Defender OAP PPO Deductible $1,350 Individual $2,700 Family $500 Individual $1,000 Family $1,000 Individual $2,000 Family Out-of-Pocket Maximum $2,500 Individual $4,500 Family $3,000 Individual $6,000 Family $4,500 Individual $9,000 Family Co-Insurance 80% 90% EXPENSES Preventive Care $398 ER Visit $2,600 $100 4 Primary Care Visits $320 $140 12 Generic Rx $288 $120 $220 (Rx deductible included) 3 Brand Rx $240 $105 TOTAL $3,846 $823 $963 100% Covered Preventive Care Carlos’ Deductible $350 (Uses $1,000 from WC in HSA) N/A $100 Rx Deductible Carlos’ Coinsurace/Copayments $ ($2,098*20%) $425 $465 CARLOS’ TOTAL PAID $769.60 $565 You have a choice of [two, three, four] medical plan options, each with different costs. Here’s a look at some of the medical benefits available to you. Please refer to your benefit guide for complete coverage information. [Provide any special notes about the coverage shown in this slide.]

Preserver- OAP PPO HDHP/HSA
meet the Coopers Active family of six Daughter has diabetes Looking to save money for future health expenses Preserver- OAP PPO HDHP/HSA Protector OAPIN Defender OAP PPO Deductible $1,350 Individual $2,700 Family $500 Individual $1,000 Family $1,000 Individual $2,000 Family Out-of-Pocket Maximum $2,500 Individual $4,500 Family $3,000 Individual $6,000 Family $4,500 Individual $9,000 Family Co-Insurance 80% 90% EXPENSES Preventive Care $1,600 10 Primary Care Visits $950 $250 $350 12 Specialty Care Visits $1,560 $420 $480 36 Generic Rx $864 $360 $560 (Rx Deductible Included) 9 Brand Rx $720 $315 TOTAL $5,694 $2,945 $3,305 100% Covered Preventive Care Cooper’s Deductible $700 (Uses $2,000 from WC in HSA) N/A $200 Rx Deductible Cooper’s Coinsurace/Copayments $585 $1,345 $1,505 COOPER’S TOTAL PAID $1,285 You have a choice of [two, three, four] medical plan options, each with different costs. Here’s a look at some of the medical benefits available to you. Please refer to your benefit guide for complete coverage information. [Provide any special notes about the coverage shown in this slide.]

Your Medical Benefits: Cigna’s Open Access Plus Network
Access to a nationwide network of doctors and hospitals 24-hour support and guidance Focus on wellness and preventive care No referrals to specialty care No Primary Care Physician selection required Lower out-of-pocket costs and no claim forms with participating providers

Your Medical Benefits 1.866.494.2111 Call CIGNA any time, day OR night
Customer Service and Health Information Line are 24/7 We speak your language Find all of your information when you need it at: Coverage details Claim information & History Directory of doctors & hospitals Print a Temporary ID card or order a new ID card Cost of Care and Quality Comparison Tools Cigna Home Delivery Pharmacy (90 Day Supply) Mobile site and myCigna app deliver information on the go All CIGNA customers can access myCigna via mobile device using internet browser

Coach by Cigna A health and fitness app that’s all about you.
Coach by Cigna gets people focused on what matters most in 5 integrated lifestyle areas: Exercise | Food | Sleep | Stress | Weight It’s like having a team of health experts in the palm of your hand. The app provides you with: Recommended programs that fit personal needs and goals Team of health coaches who provide motivational and instructional video messaging Dashboard features active programs and daily to-do lists Library filled with health and wellness articles Download the FREE Coach by Cigna app Coach by Cigna gives you a health and fitness app customized for you and your needs right at your fingertips. The app provides you with recommended programs that fit your personal needs and goals, a team of health coaches to provide motivational and instructional video messaging, as well as a dashboard featuring active programs, daily to-do lists and a health and wellness library. You can download the Coach by Cigna app for free on your Android or iOS device. Available in 15 countries & 9 languages Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2016 Cigna

Cigna Telehealth Services The care you need – when, where and how you need it.
Now Cigna provides access to two telehealth services as part of your medical plan – AmWell and MDLIVE. Register for one or both today so you’ll be ready to use a telehealth service when and where you need it. AmWellforCigna.com* MDLIVEforCigna.com* Signing up is easy! 1. Set up and create an account with one or both AmWell and MDLIVE 2. Complete a medical history using their “virtual clipboard” 3. Download vendor apps to your smartphone/mobile device** Cigna telehealth connection provides on-demand 24/7/365 access to cost-effective, quality non urgent care through a national network of licensed, board certified doctors, including pediatricians. The providers are specially trained to work in a telehealth environment. The convenience of having a doctor basically at your fingertips whenever you need them without having to leave the comfort of your home, or take unnecessary time off work, and the lower cost of a telehealth visit versus an urgent care or even primary care office visit, gives you an extremely beneficial service that is included with your Cigna medical plan. Common reasons to utilize telehealth are sore throat, cold/flu, pink eye and a rash. Cigna provides access to two telehealth services as part of your medical plan. Register for one or both today so you’ll be ready to utilize the service when you need it. Signing up is easy! Set up and create an account with one or both telehealth services, complete a “virtual clipboard” medical history and download the app for the vendor on your smart phone. Call to order by phone * Availability may vary by location and plan type and is subject to change. See vendor sites for details. ** The downloading and use of any mobile app is subject to the terms and conditions of the mobile app and the online stores from which it is downloaded. Standard mobile phone carrier and data usage charges apply. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2016 Cigna 14

Your Medical Benefits (Preserver Plan ONLY): Health Savings Account
Qualified high deductible medical plan Health Savings Account Tax- advantaged HSA plan + = A tax-advantaged Health Savings Account provides coverage for current health care expenses with the option to save for future health care expenses Combines a qualified high-deductible medical plan (medical/pharmacy coverage) with a Health Savings Account You, your employer, or both, can contribute to the Health Savings Account which is owned by you Money put in the Health Savings Account is generally not taxable* You have investment options with the Health Savings Account

Your Medical Benefits (Preserver Plan ONLY): Are you eligible to participate in the HSA?
Because HSA plans have certain tax advantages, the IRS defines specific rules for participation. To be eligible, you: Must be enrolled in an IRS-qualified high-deductible medical plan (high-deductible medical plans offered with Cigna Choice Fund® HSA meet IRS requirements) Cannot have any other health coverage which is not also a qualified high-deductible plan: Not covered by spouse’s medical or pharmacy plan (unless it meets the IRS definition of a qualified high-deductible plan) Not covered through Medicare Part A or Part B or TRICARE Not covered through a general-purpose Flexible Spending Account (FSA) plan (either employer’s or spouse’s) Cannot be claimed as a dependent on another person’s tax return

Your Medical Benefits: HSA Maximum Annual Contribution
The IRS has set the following limits for 2018: Under age 55 and not enrolled in Medicare (based on a 12-month period): Up to $3,450 individual coverage Up to $6,900 family coverage Age 55 or older: Maximum contribution increases by $1,000 (considered a “catch-up” contribution) Up to $4,450 individual coverage* Up to $7,900 family coverage* To make the maximum contribution in a calendar year, you must: Meet all requirements to be eligible for HSA contributions on January 1st Remain qualified through December 1st

Your Dental Benefits Two plans to choose from
Deductible $50 individual/$150 family Two free annual exams and cleanings Covers basic and major services Buy-Up Option covers Orthodontia Regular dental exams can help you and your dentist detect problems in the early stages when treatment is more basic and costs are much lower. Keeping your teeth and gums clean and healthy will help prevent most tooth decay and periodontal disease, and is an important part of maintaining your medical health. Here’s a look at your dental plan options, and the coverage amounts. Please refer to your benefit guide for complete coverage information. [Provide any special notes about the coverage shown in this slide.]

Your Dental Benefits: Delta Base Option
Service Delta Dental PPO dentist** Non-Delta PPO dentist** Deductible $50/$150 Annual Maximum $1,000/ per person Preventive & Diagnostic 100% Basic Services 80% Major Services 50% Orthodontia Not Covered Regular dental exams can help you and your dentist detect problems in the early stages when treatment is more basic and costs are much lower. Keeping your teeth and gums clean and healthy will help prevent most tooth decay and periodontal disease, and is an important part of maintaining your medical health. Here’s a look at your dental plan options, and the coverage amounts. Please refer to your benefit guide for complete coverage information. [Provide any special notes about the coverage shown in this slide.] *Limitations or waiting periods may apply for some benefits. Reimbursement is based on Delta Dental maximum contract allowance and not necessarily each dentist’s submitted fees. ** Reimbursement is based on PPO contracted fees for PPO dentists, PPO contracted fees for Premier dentists and PPO contracted fees for non-Delta Dental dentists.

Your Dental Benefits: Delta Buy-Up Option
Service Delta Dental PPO dentist** Non-Delta PPO dentist** Deductible $50/$150 Annual Maximum $1,500/ per person Preventive & Diagnostic 100% Basic Services 80% Major Services 50% Orthodontia 50% up to $1,500 lifetime max (up to age 19) Regular dental exams can help you and your dentist detect problems in the early stages when treatment is more basic and costs are much lower. Keeping your teeth and gums clean and healthy will help prevent most tooth decay and periodontal disease, and is an important part of maintaining your medical health. Here’s a look at your dental plan options, and the coverage amounts. Please refer to your benefit guide for complete coverage information. [Provide any special notes about the coverage shown in this slide.] *Limitations or waiting periods may apply for some benefits. Reimbursement is based on Delta Dental maximum contract allowance and not necessarily each dentist’s submitted fees. ** Reimbursement is based on PPO contracted fees for PPO dentists, PPO contracted fees for Premier dentists and PPO contracted fees for non-Delta Dental dentists.

Your Dental Benefits: The Delta Advantage
Largest fee-for-service dentist network in the U.S. 304,000 dentist locations nationwide Freedom of Choice Enrollees can select any dentist, but will likely save more money by choosing a Delta Dental dentist User-Friendly Service: Call toll-free ( ) every business day, 8 a.m. to 8 p.m. (EST) Visit Delta Dental online at: Quality Control Delta Dental makes sure all providers are fully credentialed and that the care received is necessary and effective Delta dental has over 300,000 dentist locations nationwide. Customer service can be reached online at or telephonically at % of calls are resolved on the 1st attempt. Staying in-network is cost effective and convenient. Delta dental’s allowances mean lower fees to participating providers and lower costs to you. Delta dentists will not charge you any more than your coinsurance amount and any applicable deductibles. They will submit claim forms for you and pay dentist directly.

Your Dental Benefits: Delta is Mobile
Easy-to-use participating dentist directories with maps and driving directions Secure login to your account for benefits and eligibility lookup Access information on program benefits, eligibility, status of deductibles, maximum usage, claim status, 18 months of claims history Fee Finder for common procedures Printable claim forms Printable ID cards MySmileKids – an interactive site for children Extensive dental health section inquiries to customer service Viewable in Spanish Access these features on the go: Find a dentist Check benefits & eligibility View ID card View claims status Select paperless delivery SmileWay® Wellness Program Visit deltadentalins.com and select “Visit Mobile Site”. Delta offers both internet and mobile capabilities. While on the go you can: find a dentist, check benefits and eligibility; view your ID card and claims status. Simply visit deltadentalins.com and “visit mobile site”. You can also utilize Delta’s website to find easy to use dentist directories that include maps and driving directions, use the fee finder for common procedures and inquiries to customer service. The website is viewing in English and Spanish.

Your Vision Benefits Provides coverage for eye exams;
Frames and lenses; Contact lenses In- and out-of-network benefits Your vision plan provides services for eye exams, glasses and contacts. If your doctor charges more than the reasonable and customary charge you may be required to pay the extra amount. Here’s a look at your vision plan coverage. Please refer to your benefit guide for complete coverage information. [Provide any special notes about the coverage shown in this slide.]

Your Vision Benefits Advantica
Network Copays for in-network service Comprehensive Eye Exam $10 copay Materials $20 copay Benefit frequency Once every 12 months Spectacle Lenses Frames Once every 24 months Contact Lenses in Lieu of Eye Glasses Frame / Lens benefits Frame $130 allowance Lens $125 allowance See benefit summary for out of network reimbursements

Your Flexible Spending Accounts
Designed to save you money on taxes Work like a savings account Contributions to your account deducted pretax each month You use funds to pay for eligible health care/dependent care costs Flexible Spending Accounts work like a savings account. Each pay period a pretax payroll deduction is deposited into your medical and/or dependent care account. When you need money to cover an eligible expense you make a pretax withdrawal by completing a claim form and providing proper documentation. The Health Care Flexible Spending Account is typically used for most medical, dental and vision care expenses including copays, deductibles, eyeglasses and certain over the counter medications. The Dependent Care Flexible Spending account can be used for daycare, after school programs, and eldercare services so that you and your spouse can work or go to school full-time.

Your Flexible Spending Accounts
Health Care FSA - use your pre-tax dollars to pay for uninsured medical care services and supplies Limited Use FSA – use your pre-tax dollars to pay for qualified dental and vision expenses only (Used in conjunction with HSA) Dependent Care FSA - use your pre-tax dollars to pay for care of your children under age 13 (and disabled dependents of any age)

Flexible Spending Account – Flores
NEW FOR 2018 Flores will now administer our FSA & DCA Accounts! IHS, our 2017 Administrator, will be administering the run out/grace period for claims occurred between January 1, 2017 and December 31, 2017. Please supply all necessary details and submit claims for the 2017 plan year before March 31st to IHS. Any claims incurred on January 1, 2018 and going forward should be submitted to Flores. Website: Telephone Number: Mobile App Available Look for your PID (Personal ID) Letter in the mail to create a user name and password with Flores. NEW Debit Cards will arrive in the mail.

Flexible Spending Account Example
Account Type With FSA Without FSA Your taxable income $50,000 Pretax contribution to Health Care and Dependent Care FSA $2,000 $0 Federal and Social Security taxes* $11,700 $12,355 After-tax dollars spent on eligible expenses Spendable income after expenses and taxes $36,299 $35,645 Tax savings with the Medical and Dependent Care FSA $655 N/A This is an example only your actual experience. It assumes a 25% federal income tax rate marginal rate and a 7.7% FICA marginal rate. State and local taxes vary, and are not included in this example. However, you will also save on any state and local taxes.

Life and Accidental Death & Dismemberment (AD&D) Insurance
All Regular, Full-Time Eligible employees receive Basic Life and AD&D Insurance. LIFE—1.5 times your Basic Annual Earnings* AD&D—An amount equal to your amount of Life Insurance in force Benefits will be rounded to the next higher $1,000 if not already a multiple of $1,000 The Maximum Benefit is $85,000. Your amount of Life and Accidental Death and Dismemberment Insurance reduces to 65% when you reach age 70 and to 50% when you reach age 75. *Basic Annual Earnings—Your current salary or wage from your Employer. Basic Annual Earnings does not include commissions, bonuses, overtime pay or any other extra compensation. Life insurance is an important part of your financial security, especially if others depend on you for support. Accidental Death & Dismemberment (AD&D) insurance is designed to provide a benefit in the event of accidental death or dismemberment. The company provides this benefit to you at no cost and you do not need to enroll for this coverage.

Disability Insurance Coverage
Benefit Long-Term Disability Covers 60% of your base annual earnings, to a $6,000 monthly maximum Benefit begins after six months of disability The Minimum Monthly Benefit is $100 or 10% of your Gross Monthly Benefit, whichever is greater. Tax Choice Option: During Open Enrollment, you do need to choose what type of tax treatment applies to your benefit should you become disabled. If you want to receive tax-free disability payments, you are required to pay taxes on the value of the insurance plan (premium cost). The company’s short and long term Disability Insurance Plans provide you with income replacement if you become disabled and unable to work due to a non-work-related illness or injury. This benefit is provided at no cost to you, if you are eligible. You do not need to enroll.

Optional Life Insurance Coverage
Eligible Employees: All Regular Full-Time Employees, Spouse, Children EMPLOYEE MUST BE ENROLLED IN SUPPLEMENTAL LIFE TO COVER DEPENDENTS EXISTING COVERAGE CHANGES OVER THE GUARANTEED ISSUE AMOUNT WILL BE SUBJECT TO EVIDENCE OF INSURABILITY (EOI) IF YOU PREVIOUSLY ENROLLED IN THE MINIMUM BENEFIT OF $10,000 OR ANY INCREMENT UNDER THE GUARANTEED ISSUE AMOUNT, YOU MAY INCREASE YOUR COVERAGE DURING ANY FUTURE ANNUAL ENROLLMENT UP TO $200,000 WITH NO MEDICAL QUESTIONS. YOU MAY DO THE SAME FOR YOUR SPOUSE ENROLLING IN $10,000 TO INCREASE TO $30,000 WITH NO MEDICAL QUESTIONS Employee 5 times your Basic Annual Earnings up to $500, Increments of $10,000 Newly Eligible Guarantee Issue - $200,000 Reduces to 65% at age 70; 50% at age 75, and ceases at retirement. Spouse Lesser of 100% of Employee Optional Amount or $500,000 - Increments of $10,000 Newly Eligible Guarantee Issue - $30,000 Child Birth to Age 14 Days to 6 Months: $1,000 Age 6 months to 19, or 26 (if full time student) – Increments of $2,500 up to $10,000 Newly Eligible Guarantee Issue - $10,000 Ceases the earliest of age 19 or 26 (if full time student) or marriage.

Need More Information? Online Enrollment Portal Additional information available for each of the Benefits Programs! All Employees MUST Go Online to Enroll or Waive 2018 Benefits

When Can I Enroll? The Online Enrollment Portal will be open from Monday, November 13th through Midnight on November 28th. This ends our brief overview of your ABC Company benefits. I hope you better understand how they work, the value they may offer for you and for your family, and how to get more information to help you make informed decisions when you enroll. [Add next steps information, including where to get more information, where and when to enroll]

Questions? This ends our brief overview of your ABC Company benefits. I hope you better understand how they work, the value they may offer for you and for your family, and how to get more information to help you make informed decisions when you enroll. [Add next steps information, including where to get more information, where and when to enroll]

As an employee of ABC Company, you may be eligible for certain benefits—such as medical, dental, vision and life insurance—at group rates. ABC Company.

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As an employee of ABC Company, you may be eligible for certain benefits—such as medical, dental, vision and life insurance—at group rates. ABC Company.

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Presentation on theme: "As an employee of ABC Company, you may be eligible for certain benefits—such as medical, dental, vision and life insurance—at group rates. ABC Company."— Presentation transcript:

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