2018 EMPLOYEE BENEFITS PRESENTATION
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1 2018 EMPLOYEE BENEFITS PRESENTATION
2 2018 BENEFITS MEETING Agenda 1 Overview Touchpoints & Pocketpal Medical BCBS MA HRA Benefit Strategies Alex FSA Benefit Strategies Dental Delta Dental 8 Vision EyeMed 9 Life & Disability US Able 10 Voluntary Benefits UNUM 11 Next Steps 2
3 Overview Acacia Communications, Inc. is committed to providing comprehensive benefits at an affordable cost. We are pleased to continue this into Highlights Two PPO Medical plans will be offered alongside the Blue Care Elect Plan Add an Eye Exam benefit to the vision plan 3
4 INTRODUCING TOUCHPOINTS AND POCKETPAL 4
5 THE ACACIA POCKETPAL Go to acaciabenefits.com to see our new benefits site: To download Acacia Pocketpal mobile app, go to either the itunes app store or the Google Play store, search for The Pocketpal and look for this logo: Once The Pocketpal is downloaded, you will need this information: Name and an address List of benefits you are enrolled in Your ID Card To set up your Acacia Pocketpal mobile app, follow these steps: 1. Click Create Account and enter your Company Code: acacia. Then, click Next 2. Read and accept the disclaimer, by scrolling down, and click the box next to I agree to the terms and conditions. Click Next 3. Select your current employment status. If you are currently employed by Acacia, or you are the dependent of an employee, click Yes 4. Then Enter your Name and address and click Save 5. Identify your employee class, by selecting Full Time, and clicking Next 6. Select the benefits you would like to be able to view on the Acacia Pocketpal, and click Next 7. Load your ID cards, by following the directions in the app, and click Continue Setup when finished (or to skip this step). ID Cards can be added at any time. Then click Continue Setup 8. When you are ready, click Finalize Account and read the welcome message. Click Pocketpal Home Screen and you are in the app! 5
6 MEDICAL BENEFITS 6
7 2018 BENEFIT COMPARISON IN-NETWORK Deductible Coinsurance NEW PLANS FOR 2018 Out-of-Pocket Maximum Physician Office Visit Specialist Office Visit Emergency Room Urgent Care X-Rays & Labs (Diagnostic) High Tech Imaging (MRI, CAT, PET, etc.) Inpatient Hospital Outpatient Hospital Retail Rx (Tier 1 / Tier 2 / Tier 3 Mail Order Rx (Tier 1 / Tier 2 / Tier 3) OUT-OF-NETWORK Deductible Coinsurance Out-of-Pocket Maximum PPO Low PPO High Blue Care Elect $2,000 / $4,000 $1,500 / $3,000 $0 / $0 90% 100% 100% Medical: $5,450 / $10,900 Rx: $1,000 / $2,000 Medical: $5,450 / $10,900 Rx: $1,000 / $2,000 $20 $20 $25 $35 $35 $25 $250 $150 $150 $35 Deductible and Coinsurance Deductible then $250 $35 Deductible Deductible Medical: $5,450 / $10,900 Rx: $1,000 / $2,000 $25 No Charge $50 Deductible and Coinsurance Deductible $500 Deductible and Coinsurance Deductible $250 $20 / $40 / $60 $20 / $40 / $60 $15 / $30 / $50 $40 / $80 / $180 $40 / $80 / $180 $30 / $60 / $100 $2,500 / $5,000 $2,000 / $4,000 $500 / $1,000 70% 80% 80% Medical: $5,450 / $10,900 Rx: $1,000 / $2,000 Medical: $5,450 / $10,900 Rx: $1,000 / $2,000 Medical: $5,450 / $10,900 Rx: $1,000 / $2,000 *Please refer to the Summary of Benefits & Coverage (SBC) for more details 7
8 2018 NEW PAYROLL DEDUCTIONS Employee Only $30.90 $47.10 $ Employee Plus One $59.60 $90.80 $ Family $90.30 $ $
9 HEALTH REIMBURSEMENT ARRANGEMENT ( HRA ) 9
10 HRA REIMBURSEMENT HOW WE SHARE THE DEDUCTIBLE PPO High HRA Reimbursement Flow Full Deductible Acacia pays FIRST Member pays NEXT Acacia pays LAST Employee Only $1,500 $500 $500 $500 Employee Plus One $3,000 $500 $1,000 $1,500 Family $3,000 $500 $1,000 $1,500 PPO Low HRA Reimbursement Flow Full Deductible Acacia pays FIRST Member pays NEXT Acacia pays LAST Employee Only $2,000 $500 $1,000 $500 Employee Plus One $4,000 $500 $2,000 $1,500 Family $4,000 $500 $2,000 $1,500 Note: There is no HRA offered on the Blue Care Elect Value Plus PPO because the plan has no in network deductible 10
11 ALEX YOUR VIRTUAL BENEFIT COUNSELOR 11
12 Telehealth Benefit What is Telehealth? Real-time online video visit with a health care provider using a smartphone, tablet, or computer for short duration Medical and Behavioral Health visits Two Easy Ways to Access Care 1. Check with your local doctor OR use the FIND A DOCTOR tool on 2. Visit to connect to our national network of online doctors and therapists who offer Telehealth services powered by American Well (an independent company) What to expect from your Telehealth visit Your doctor can review your medical and behavioral health history, answer questions, and diagnose, treat, and prescribe medication. Telehealth Medical appointments usually take about 10 minutes Telehealth Behavioral Health appointments can be 30 minutes. 8
13 FLEXIBLE SPENDING ACCOUNTS Plan Year: January 1, 2018 to December 31, 2018 FSA Medical Account: INCREASED MAXIMUM for 2018: $2650 $500 Carryover: Maximum that can be carried over on the medical account from one plan year to the next FSA Dependent Care: $5000 annual maximum Plan Runoff Period: All expenses must be incurred by 12/31/2018 (remember up to $500 will roll over as of 1/1/2019), and then all documentation needs to be submitted to Benefit Strategies by 3/31/2019. REMINDER: You must keep ALL receipts for FSA spending per IRS guidelines! 13
14 DENTAL AND VISION BENEFITS 14
15 DELTA DENTAL PPO PLUS PREMIER Preventive -100% Basic - 85% PPO Network 80% Premier Network Major - 55% PPO Network 50% Premier Network No Deductible $50 Per Member/$150 Family Calendar Year Deductible -Oral Exams -Cleanings -X-Rays -Sealants (Under Age 14) -Fluoride Treatments (Under Age 19) -Fillings -Extractions -Endodontics -Periodontics -Bridges -Crowns -Dentures -Implants Calendar Year Maximum $2,000 Orthodontia Benefit (Under Age 19) 50% to $1,000 Lifetime Maximum Acacia s Dental plan also includes Rollover Maximum In order to qualify you must: receive at least one cleaning or oral exam per plan year be enrolled for dental coverage before the 4th quarter of the calendar year your paid claims must not exceed the maximum threshold amount Your calendar year maximum benefit amount If your total yearly claims don t exceed this threshold amount Then you can roll over this amount to be used in the next year, and beyond. Your accumulated rollover total is capped at $2,000 $800 $600 $1, *Please refer to the benefit summary for more details
16 VISION PLAN DESIGN In-Network Out-of-Network Exam $10 Copay Up to $50 Frame Allowance $130 allowance every 24 months, 20% off amounts over $130 Standard Lenses Single Vision lenses Bifocal lenses Trifocal lenses Lenticular Lenses Standard Progressive Lens Premium Progressive Lens Lens options Tint UV Standard Plastic Scratch Coating Polycarbonate - Over age 19 Polycarbonate - Below age 19 Standard Anti-Reflective $25 copay every 12 months $25 copay every 12 months $25 copay every 12 months $25 copay every 12 months $75 Copay every 12 months $95 Copay - $120 Copay (depending on Tier) every 12 months $15 Copay $15 Copay $15 Copay $40 Copay $0 $45 Copay 20% off retail price 20% off retail price Up to $104 Up to $42 Up to $78 Up to $130 Up to $130 Up to $140 Up to $140 N/A N/A N/A N/A $Up to $32 N/A N/A N/A Contact Lenses b Conventional Medically Necessary $0 copay, $130 allowance, 15% off over $130 $0 copay, paid in full Up to $130 Up to $ You can locate a provider on
17 2018 DENTAL & VISION BIWEEKLY COST Employee $4.80 $.69 Employee & Spouse Employee & Child(ren) $14.70 $1.15 $14.70 $1.38 Family $14.70 $
18 LIFE, DISABILITY & VOLUNTARY BENEFITS 18
19 EMPLOYER SPONSORED BENEFITS Basic Life /Accidental Death & Dismemberment Insurance 2 times annual salary to a maximum of $250,000 All coverage is guarantee issue Benefit reduces by 35% at age 65 and 50% at age 70 Life Insurance Conversion Privilege Short Term Disability 100% of your weekly salary for 13 weeks Begins on the 8 th day of a covered disability Long Term Disability 60% of your monthly salary to a maximum of $10,000 per month Begins on the 91 st day of a covered disability *Acacia pays 100% of the premiums for this coverage, the employee pays tax on the group paid coverage in excess of $50,000 19
20 Voluntary Term Life/ Accidental Death & Dismemberment Amounts in $10,000 units to a maximum of the lesser of 5x Annual Earnings or $500,000 Life Insurance Conversion Privilege & Portability Provision Life Planning Financial & Legal Resources Guaranteed Issue Limit Employee $150,000 & Spouse $25,000 For employees who previously enrolled, you may increase your coverage up to the guaranteed issue limit without evidence of insurability!!! Whole life insurance Guaranteed renewable to age 120 as long as the required premiums are paid Guaranteed level premiums Two employee options available: $9 per week ($18 bi-weekly) $6 per week ($12 bi-weekly) One spouse option available: $3 per week ($6 bi-weekly) Individually owned coverage can be taken with you Policy can accumulate cash value Child term rider available 20
21 Group Critical Illness Plan includes cancer coverage Coverage amounts available: Employee: $5,000 or $10,000 Spouse: $5,000 Child: 25% of employee amount All coverage amounts Guaranteed Issue Additional covered conditions for children only Coverage is Portable $50 annual wellness benefit for covered health screenings Group Accident On/Off-job coverage Two options available: Base accident plan plus Sickness Hospital Confinement Benefit Base accident plan only Sickness Hospital Confinement Benefit - $200 benefit per day (up to 30 days) for employee/spouse Coverage is Portable $50 wellness benefit for covered health screenings Coverage available for employee plus spouse and/or dependent children 21.
22 GENERAL REMINDERS 1. Open Enrollment will run from November 7 th November 26 th 2. All employees must make elections on the acaciabenefits.com 3. Your elections will be in effect from 1/1/18-12/31/18. Changes to your coverage can be made during the year ONLY if you experience a Qualifying Event ( i.e: marriage, divorce, birth or adoption of a child, etc.) 4. Everyone who wishes to enroll in the Medical or FSA must make a new election for Coverage and rates are effective January 1,
23 QUESTIONS ANSWERS 23
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