1. 2017 Employee Benefits Meeting for the Employees of

2. Today’s Agenda Medical Plan(same medical plans for 2017)
Blue Cross Medical Plans
Vision Benefits
Health Savings Account
Healthy LifeStyles Wellness Incentives
Other Benefits
Delta Dental PPO Plan – no changes
Health Advocate – patient advocacy service
Employee Assistance Program(EAP)
Travel Assistance Program
Next Steps
Open enrollment

3. Medical Plans from PPO Plan 10B Plan Highlights:
Deductible is $4,000 single/$8,000 family – applies to ALL services EXCEPT preventive services
Maximum out of pocket is $6,550 single/$13,100 family
Must satisfy deductible and then copays would apply.
Can utilize any provider or facility in local Personal Choice network and the National PPO Blue Card Network
NO Referrals are required
PREVENTIVE SERVICES = $0 COPAY!
Can establish a Health Savings Account to pay for qualified medical expenses

4. Medical Plans from PPO Plus 6B Plan Highlights:
Deductible is $2,000 single/$4,000 family. Deductible applies to some services, but not all.
Out of Pocket Maximum is $6,600 single/$13,200 family
$35 Primary doctor copay/$60 Specialist copay – NO DEDUCTIBLE
$60 copay for Xrays – NO DEDUCTIBLE
$200 copay for MRI, CAT Scans, and PET Scans- NO DEDUCTIBLE
$60 copay for Physical Therapy & Chiropractic -NO DEDUCTIBLE
Prescription Drugs(mail 2 x retail copay)NO DEDUCTIBLE
Generic - $20 copay
Brand - $40 copay
Non-Formulary $60 copay
PREVENTIVE SERVICES = $0 COPAY!
Can utilize any provider or facility in local Personal Choice network and the National PPO Blue Card Network
NO Referrals are required

5. Blue Cross Vision Benefits
$0 Copay for Routine Eye Exam – once every two years
$100 allowance – once every two years , for Eyeglasses OR Contact Lenses if you utilize a Davis Vision Provider Or
$100 reimbursement for Eyeglasses or Contact Lenses - once every two years , if you purchase at a non-network provider.
Additional discounts for other lens options
Mail order program for discounted contact lenses
Discounted Laser Vision correction services

6. Blue Saver Health Savings Account
Offered by Bank of America through Independence Blue Cross
Employees enrolled in PPO 10B can open and fund an H.S.A. account.
No monthly fees
Maximum contribution for 2017:
$3,400 single filer/$6,750 family
Contributions are tax deductible
Tax Free withdrawals to pay for medical expenses
To open an account, register at

7. Maximizing Your Benefits
Network doctors
Always use network providers for lowest member out-of-pocket costs, for online provider directory.
For members in the 5-county Philadelphia area, Southern New Jersey and Delaware: access the Personal Choice network.
All other members would access the National Blue Card network
Retail Health Clinics
Consider Urgent Care
Mail order prescription drug benefit
Use generic medications when possible
Take advantage of $0 copay preventive benefits!
FREE Identity Protection for all insured members!

8. Healthy Lifestyles Solutions
$150 reimbursement for exercise at approved gym, participating in approved weight loss program, or completing a tobacco cessation program.ibx.com/reimbursements
Health Coaches available 24 hours a ASK-BLUE
Discounts on fitness gear, gym memberships, laser vision correction, hearing aids. ibx.com/discounts
Discounts for fun activities like movie tickets, amusement parks, sporting events. ibx.com/discounts
Ice Skate for FREE at the Blue Cross River Rink at Penn’s Landing.

9. Delta Dental PPO Premier
Can use any dentist but greater savings using dentists in the PPO or PPO Premier Network
Exams, Cleanings, Xrays, Sealants covered at 100%
Deductible for other services: $50 single/$150 family
Most services covered after the deductible at 80% or 50%.
Dental Implants covered at 50% to calendar year maximum
Orthodontia covered for children up to age 19: 50% to $1,000 lifetime maximum
Calendar Year maximum: $2,000/PPO Dentist or $1,500/PPO Premier Dentist

10. Health Advocate
Provided at NO COST to employees and their families, including employee’s parents and in-laws
Patient Advocacy Service
Can assist with :
Finding the right provider for specific issue
Medical Claims Problems
Complex Healthcare Issues
Eldercare Issues

11. Resources Independence Blue Cross www.ibx.com 1-800-ASK-BLUE
Blue Cross River Rink
RINK
Delta Dental
Health Advocate
Employee Assistance Program
Travel Assistance
in the U.S.
(312) collect outside U.S.

12. Next Steps Guidelines for adding/waiving coverage
Open enrollment deadline: Monday, February 20, 2017 for Medical and Dental Plan enrollment and changes.
Make sure your beneficiary is up to date for your Solid Wood life insurance coverage! See Lucy Vetter for a beneficiary change form.
Guidelines for adding/waiving coverage
No enrollment for medical/dental after open enrollment period (unless due to a qualifying event)
Qualifying events as defined by law
Birth, adoption, marriage, divorce, loss of job, loss of coverage due to reduction in hours, death

13. Questions ?
If you have any questions regarding open enrollment, please contact:
At Lucy Vetter
(267)
At Arlene Gregorio
(855) x102