Welcome to Starmark. Group Installation for Employers
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1 Welcome to Starmark Group Installation for Employers
2 Chapter 1 Why Starmark /Trustmark? Starmark: Personal. Flexible. Trusted. What is a CDHP? What is an HSA? What is an HRA?
3 Why Starmark /Trustmark? Starmark A Trustmark company founded in 1985 Provides self-funded healthcare benefits administration for small to mid-size businesses Stop-loss insurance is provided by Trustmark Life Insurance Company Trustmark Companies Providing employee benefits for more than 100 years More than 2 million covered lives or plan participants Trustmark Life Insurance Company is rated A- (Excellent) by A.M. Best
4 Starmark : Personal. Flexible. Trusted. Experience Starmark s unparalleled personal service. Starmark offers flexible self-funded health plan designs to meet your needs and budget. Employers have trusted Starmark to serve the healthcare benefit needs of their employees since 1985.
5 What is a CDHP? Consumer-directed health plan PPO plan Monthly health plan costs often less because of the higher deductible Health savings account (HSA) or health reimbursement arrangement (HRA) used to offset the deductible Network of doctors, hospitals and healthcare providers Discounted services when using innetwork providers Out-of-network providers usually charge a higher amount for the same services
6 What is an HSA? What is an HRA? An HSA, or health savings account, is a personal bank account owned by an individual with a high-deductible health plan and used to pay for qualified medical expenses not reimbursed under the health plan. A health reimbursement arrangement, or HRA, is set up and funded by you to help your employees pay for expenses eligible for reimbursement, meet their deductible and/or coinsurance and get them more engaged in their healthcare decisions.
7 Chapter 2 Key Benefits of the Starmark Website for Employers and Members How to Register on the Starmark Website for Employers and Members Printing a Temporary ID Card
8 Key Benefits of the Starmark Website For Employers Starmarkinc.com provides easy, online access to key information about your self-funded health plan and administration, including: A summary of your benefits The Document Center Online Bill Payment A personalized Administration Kit Healthcare Reform information Pharmacy Services
9 Key Benefits of the Starmark Website For Members The Starmark website provides members with access to: Benefits and Claims information, including an online summary of benefits, and current- and prioryear claims The Document Center, which conveniently provides their important healthcare benefit documents online A comprehensive suite of health and wellness management services
10 How to Register on the Starmark Website For Employers If you are a new user, go to select Employer from the drop-down menu and complete the online registration process. When registering, you ll need to: Enter your Group Number, month of original effective date and ZIP code Read and accept the Terms And Conditions Complete the registration form Provide answers to three security questions Click the link provided in the you will receive
11 How to Register on the Starmark Website For Members To register, members should go to select Member from the drop-down menu and complete the online registration process. When registering, members will need to: Enter their Member ID, Date of Birth and Group ID Number Read and accept the Terms And Conditions Complete the registration form Provide answers to three security questions Click the link provided in the they will receive GO GREEN! Members can opt-in to the Starmark Document Center to access their important healthcare benefit plan documents online.
12 Printing a Temporary ID Card Once registered on the Starmark website, members may view and/or print their temporary ID card.* *Temporary ID cards are available approximately 48 business hours after the group has enrolled.
13 Chapter 3 Document Center for Employers and Members Accessing Benefits and Claims Claims Lookup How to File a Medical Claim Healthy Foundations CareChampion 24/7
14 Document Center For Employers The Document Center provides around-the-clock access to your group s important health benefit plan documents, including your: Plan Document Stop-Loss Insurance Contract Administrative Services Agreement Application for Stop-Loss Insurance Coverage Monthly Billing Statement Monthly Aggregate Claim Liability Summaries
15 Document Center For Members The Document Center* provides members with around-the-clock access to their healthcare benefit plan documents, including their: Plan Document, which provides the details of their plan Summary of Benefits and Coverage (SBC), which provides an overview of their plan
16 Accessing Benefits and Claims From the Benefits and Claims page on the Starmark website, members can: Conveniently review an online summary of their benefits Obtain their current- and prior-year claims Access resources, including: Their Starmark ID Card Informative materials to assist with understanding their ID card and explanation of benefits (EOBs) A single sign on link to their CVS caremark account Educational materials to help them learn about their pharmacy benefits
17 Claims Lookup From the Claims Lookup section, members can access current- and prior-year claims, specifically detailed by: Deductible Satisfied Deductible Carryover Out-of-Pocket Satisfied To view the status of a claim and an online Explanation of Benefits, users should click on the health plan member s name.
18 How to File a Medical Claim The majority of claims are filed electronically; however, members can submit a paper claim by following these steps: Submit the original medical billing statement received from the doctor, that shows receipt of payment for services provided, to the address on back of the medical ID card. Include both the Starmark group number and Member ID. Retain a copy of the medical billing statement for records. Starmark will then send an Explanation of Benefits (EOB) along with a reimbursement check, if applicable.
19 Healthy Foundations Healthy Foundations is a suite of resources to help members get and stay healthy: YourCare*: Health and wellness program MyNurse 24/7 : Access to a registered nurse 24 hours a day, seven days a week MaternaLink : Maternity wellness program HealthCenter**: Online health risk assessment, personal health records and more Wellness Education E-Newsletter: Provides wellness information, such as diet and nutrition tips, health and exercise articles, home safety tips and more *Available as an optional benefit. **Members can access the HealthCenter via the Starmark website.
20 CareChampion 24/7 Navigate the healthcare system Support and advisory services Educate about healthcare options CareChampion 24/7 is available as an optional benefit.
21 Chapter 4 Network Provider Lookup Outpatient Prescription Drug Benefit Caremark.com Laboratory Program Contact Us
22 Network Provider Lookup Visit Go to Network Availability > select your state Choose the network listed on your benefits schedule to access their website Follow the instructions to determine if a provider is in the network
23 Outpatient Prescription Drug Benefit Administered by CVS caremark Price Assurance Program Covered prescriptions are subject to the in-network plan deductible and coinsurance when the prescription is filled at a participating pharmacy Two convenient ways to fill prescriptions: Local pharmacy Mail service pharmacy Prescription safeguards Specialty Guideline Management
24 Caremark.com Members can: Find health information Order refills Check pharmacy benefit coverage Login from the Starmark website to access the single sign on link to caremark.com, which is personalized with plan information. Find a participating local pharmacy Access to Tools and Resources View prescription history Check drug costs Communicate with CVS caremark based on personal preferences: phone, or text. Download the CVS caremark mobile app
25 Laboratory Program Lab Card Select Program Voluntary discount program Outpatient laboratory testing at significant savings when testing is directed to a participating Quest Diagnostics laboratory
26 Contact Us Account Management Phone: , option 8 Fax: Account.Management@Starmarkinc.com Administration and Premium Phone: , option 8 Fax: StarmarkAdmin@Starmarkinc.com Renewals Phone: , option 8 Fax:
27 Thank You for Choosing Starmark! For more information, contact your Starmark representative, or visit Plan design availability and/or coverage may vary by state. Plans are administered by Starmark, and stop-loss insurance and ancillary coverage are provided by Trustmark Life Insurance Company. Starmark 400 Field Drive Lake Forest, Illinois T er-CDHP (11-14)
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