OPEN ENROLLMENT NOVEMBER 20th- DECEMBER 4th 2018 BENEFITS PACKET

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1 OPEN ENROLLMENT NOVEMBER 20th- DECEMBER 4th 2018 BENEFITS PACKET

2 Open Enrollment Overview November 20 th - December 4 th You must make your elections by 11:59PM EST on December 4 th! M E D I C A L I N S U R A N C E o o Choose from our Platinum, Gold, Silver or Bronze plans Prescription coverage is included with all medical plans D E N T A L I N S U R A N C E o We offer a Dental plan through Dental Care Plus V I S I O N o We offer a Vision plan through United Healthcare V O L U N T A R Y L I F E I N S U R A N C E A N D A D & D o We offer Employee, Spouse and Dependent Life and AD&D through Cigna

3 BENEFITS OVERVIEW As a valuable member of our team, you have many great benefits available to you. We invite you to review our benefits packet and contact benefits@trustaff.com with any questions. A T A G L A N C E o Starting on November 20 th, you may visit to participate in Open Enrollment o Benefit changes or additions will be effective January 1, 2018 o Enrollments cannot be taken past 11:59PM EST on December 4, 2017 o If you experience any trouble logging in for Open Enrollment, you must benefits@trustaff.com immediately I DO NOT WANT TO MAKE CHANGES TO MY CURRENT BENEFITS: If you are currently enrolled in trustaff s group benefits and DO NOT want to make changes, no action is required on your part. Your plans will remain the same for 2018, though premiums may change. Please review premium changes to plan accordingly. It is also your responsibility to ensure that your designated beneficiaries have not changed!

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5 PLATINUM PLAN INFORMATION Deductible (Individual/Family) $500 / $1000 Coinsurance 90% Out of Pocket includes Deductible (Individual/Family) $3500 / $7000 Office Visit- Primary Care Copay $20 Office Visit - Specialist Copay $20 Preventive Care 100% Emergency Room $300 Copay Urgent Care $25 Copay Inpatient Hospital 10% after deductible Outpatient Hospital 10% after deductible Prescription Drug Tier 1 $10 Copay Tier 2 $30 Copay Tier 3 $50 Copay Tier 4 25% Coinsurance Non-Network Deductible $1000 / $2000 Coinsurance 70% Out of Pocket includes Deductible $7000 / $14,000 Premium Per Pay Period If you are paid weekly Employee Only: $ Employee/Spouse: $ Employee/Child(ren): $ Family: $ Premium Per Pay Period If you are paid bi-weekly Employee Only: $ Employee/Spouse: $ Employee/Child(ren): $ Family: $

6 GOLD PLAN INFORMATION Deductible (Individual/Family) $1000 / $2000 Coinsurance 70% Out of Pocket includes Deductible (Individual/Family) $5000 / $10,000 Office Visit- Primary Care Copay $25 Office Visit- Specialist Copay $25 Preventive Care 100% Emergency Rm $300 Copay Urgent Care $25 Copay Inpatient Hospital 30% after deductible Outpatient Hospital 30% after deductible Tier1 $10 Copay Prescription Drug Tier 2 $30 Copay Tier 3 $50 Copay Tier 4 25% Coinsurance Non-Network Deductible $2000 / $4000 Coinsurance 50% Out of Pocket includes Deductible $10,000 / $20,000 Premium Per Pay Period If you are paid weekly Employee Only: $ Employee/Spouse: $ Employee/Child(ren): $ Family: $ Premium Per Pay Period If you are paid bi-weekly Employee Only: $ Employee/Spouse: $ Employee/Child(ren): $ Family: $909.91

7 SILVER- HIGH DEDUCTIBLE PLAN INFORMATION Deductible (Individual/Family) $3000 / $6000 Coinsurance 70% Out of Pocket includes Deductible $5000 / $10,000 Office Visit Primary Care 30% after deductible Office Visit Specialist 30% after deductible Preventive Care 100% Emergency Rm 30% after deductible Urgent Care 30% after deductible Inpatient Hospital 30% after deductible Outpatient Hospital 30% after deductible Prescription Drug Tier1 Tier 2 Tier 3 Tier 4 $10 Copay after deductible $35 Copay after deductible $60 Copay after deductible 25% Coinsurance after deductible Non-Network Deductible $6000 / $12,000 Coinsurance 50% Out of Pocket includes Deductible $10,000 / $20,000 This plan has an optional Health Savings Account (HSA) Premium Per Pay Period If you are paid weekly Employee Only: $83.12 Employee/Spouse: $ Employee/Child(ren): $ Family: $ Premium Per Pay Period If you are paid bi-weekly Employee Only: $ Employee/Spouse: $ Employee/Child(ren): $ Family: $609.50

8 BRONZE- HIGH DEDUCTIBLE PLAN INFORMATION Deductible (Individual/Family) $5000 / $10,000 Coinsurance 75% Out of Pocket includes Deductible $6000 / $12,000 Office Visit Primary Care 25% after deductible Office Visit Specialist 25% after deductible Preventive Care 100% Emergency Rm 25% after deductible Urgent Care 25% after deductible Inpatient Hospital 25% after deductible Outpatient Hospital 25% after deductible Prescription Drug Tier1 Tier 2 Tier 3 Tier 4 $10 Copay after deductible $30 Copay after deductible $50 Copay after deductible 25% Coinsurance after deductible Non-Network Deductible (Individual/Family) $8000 / $16,000 Coinsurance 50% Out of Pocket includes Deductible $12,000 / $24,000 This plan has an optional Health Savings Account (HSA) Premium Per Pay Period If you are paid weekly *Employee Only: $48.76 Employee/Spouse: $ Employee/Child(ren): $ Family: $ Premium Per Pay Period If you are paid bi-weekly *Employee Only: $97.51 Employee/Spouse: $ Employee/Child(ren): $ Family: $ *This is our ACA affordable plan. Employee Only premiums are dependent upon base wages and may be less than the Employee Only premium shown above.

9 HEALTH SAVINGS ACCOUNT

10 Have you ever wished you could use your smartphone to see your: health plan ID card estimate claims costs locate healthcare providers Now you can After enrolling in a UHC medical plan, download UHC s Health4ME app to have all of this information, at your fingertips, wherever you go!

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12 PPO&HMO DENTAL PLAN Preventive Services 100% Coverage Minor Services 80% coverage after deductible Major Services 50% coverage after deductible Deductible $50 Individual $150 Family Calendar Year Max (that insurance will cover) $1,500 (per covered person on plan) Orthodontia Child (up to age 19) 50% ($1000 Lifetime Max) Premium Per Pay Period If you are paid weekly Employee Only: $7.13 Employee/Spouse: $13.25 Employee/Child(ren): $16.76 Family: $25.85 Premium Per Pay Period If you are paid bi-weekly Employee Only: $14.26 Employee/Spouse: $26.49 Employee/Child(ren): $33.53 Family: $51.71

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14 VISION PLAN Annual Exam: $10 Copay Lenses (every 12 months): $25 copay Frames (every 12 months): $25 copay Up to $130 allowance for frames Out of Network Reimbursement Premium Per Pay Period If you are paid weekly Employee Only: $1.53 Employee/Spouse: $3.58 Employee/Child(ren): $3.74 Family: $4.93 Premium Per Pay Period If you are paid bi-weekly Employee Only: $3.07 Employee/Spouse: $7.16 Employee/Child(ren): $7.49 Family: $9.86

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16 VOLUNTARY LIFE AND AD&D INSURANCE You may choose to elect Voluntary Life and AD&D coverage. In addition to covering yourself, you may enroll your Spouse and/or Child(ren) in a Voluntary Life and AD&D plan. You must cover yourself in order to cover your spouse and/or child(ren). All Voluntary Life plans are 100% employee paid. E M P L O Y E E V O L U N T A R Y L I F E B E N E F I T S $10,000 minimum, not to exceed 5 times annual compensation.

17 VOLUNTARY LIFE AND AD&D INSURANCE E M P L O Y E E V O L U N T A R Y L I F E I N S U R A N C E R A T E S Monthly Rates are based on units of $1,000 Under Age 20 $.044 Age $.605 Age $.044 Age $1.089 Age $.044 Age $2.904 Age $.055 Age $ Age $.077 Age $ Age $.132 Age $ Age $.187 Age $ Age $.385 Age 95 and over $ Age $.594

18 ADDITIONAL RESOURCES To view Medical Plan summaries, visit United Healthcare website: Dental Care Plus Download the UHC Health4Me app to view your ID cards, claim information, and locate providers. OptumHealth Bank (Health Savings Account) Cigna Empower Retirement website:

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20 STEP 1 Visit STEP 2 Choose 2018 open enrollment or view plan summaries *This option will only be available November 20 th - December 4 th *

21 STEP 3 Enter EID and PIN

22 STEP 4 Benefits Enrollment

23 STEP 5 Confirm Your Personal Information

24 STEP 6 Add Your Dependents

25 STEP 7 Choose Your Medical Plan *Sample * actual premiums may vary

26 STEP 8 Dental *Sample* Actual premiums may vary

27 STEP 9 Vision *Sample* Actual premiums may vary

28 STEP 10 Voluntary Life and AD&D Insurance IMPORTANT: Please review previous beneficiaries to ensure they are still accurate!

29 STEP 11 Continue For Your Confirmation

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31 FREQUENTLY ASKED QUESTIONS During Open Enrollment When will my elections or changes go into effect? January 1 st 2018 Can I cancel my insurance at anytime if I elect it during Open Enrollment? No. You can change your elections as many times as needed between November 20 th and December 4 th After that, you will need a qualifying life event to cancel (or add) insurance or wait until the next Open Enrollment period. If I only want to enroll in dental insurance, do I have to enroll in any other coverage? You may choose to enroll in just 1 of our benefits (Medical, Dental, Vision and/or Voluntary Life). I am trying to log in for Open Enrollment, but it s not accepting my User ID or PIN. What should I do? You need to benefits@trustaff.com immediately, and it must be between November 20th and December 4th, 2017.

32 FREQUENTLY ASKED QUESTIONS When will I see deductions come out of my pay? The first pay period in 2018, that contains hours worked in If I do not want to make any changes to my benefits from 2017, do I need to do anything? No. If you currently have benefits and do not wish to make any changes, you do not need to do anything. Your 2017 plans will continue in Please note that premiums for your plans may have changed. Please ensure you have reviewed the benefits packet to prepare for those premium changes. *If you experienced a life event in 2017 that may change your beneficiary on a Life and AD&D policy, you MUST log in to update your beneficiary information. If I miss Open Enrollment, can you still take my elections? No. Open Enrollment is from November 20 th -December 4 th If you try to change your plan information before or after that timeframe, we are unable to accommodate your request.

33 And remember Open Enrollment starts November 20 th and ends December 4 th!

34 THANK YOU! TRUSTAFF.COM