It Pays to Think Ahead Benefit Summary
|
|
- Marianna Adela Singleton
- 5 years ago
- Views:
Transcription
1 It Pays to Think Ahead Benefit Summary
2 Benefits Overview Aurora Public Schools is proud to offer a comprehensive benefits package to eligible employees. The complete benefit package is briefly summarized in this booklet. You will receive plan booklets, which give you more detailed information about each of these programs. You share the costs of some benefits (medical and dental), and Aurora Public Schools provides other benefits at no cost to you (life, accidental death & dismemberment, EAP, and if you are not yet eligible for PERA, Long-Term Disability). IMPORTANT This document is an outline of the coverage proposed by the carrier(s), based on information provided by your company. It does not include all of the terms, coverage, exclusions, limitations, and conditions of the actual contract language. The policies and contracts themselves must be read for those details. Policy forms for your reference will be made available upon request. The intent of this document is to provide you with general information regarding the status of, and/or potential concerns related to, your current employee benefits environment. It does not necessarily fully address all of your specific issues. It should not be construed as, nor is it intended to provide, legal advice. Questions regarding specific issues should be addressed by your general counsel or an attorney who specializes in this practice area. Benefit Plans Offered Medical Dental Life Insurance Accidental Death & Dismemberment (AD&D) Insurance Flexible Spending Account (FSA) Employee Assistance Program (EAP) Long-Term Disability (for those not eligible for PERA) Eligibility You and your dependents are eligible for Aurora Public Schools medical and dental benefits on the first of the month following date of employment if you are hired between the 1st and the 15th of the month or the first of the month following 30 days of employment if you are hired between the 16th and the end of the month. You are covered on your date of hire for Life, AD&D and if applicable, LTD. Eligible dependents are your spouse or domestic partner, children under age 26, and disabled dependents of any age. Elections made now will remain until the next open enrollment unless you or your family members experience a qualifying event. If you experience a qualifying event, you must contact the Benefits office within 30 days. 2
3 Medical Benefits Administered by United Healthcare and Kaiser Permanente Comprehensive and preventive healthcare coverage is important in protecting you and your family from the financial risks of unexpected illness and injury. A little prevention usually goes a long way especially in healthcare. Regular preventive care provides a no cost review of your health. Small problems can potentially develop into large expenses. By identifying the problems early, often they can be treated at little cost. Comprehensive healthcare also provides peace of mind. In case of an illness or injury, you and your family are covered with an excellent medical plan through Aurora Public Schools. Aurora Public Schools offers you a choice of United Healthcare s Navigate plan or Kaiser s deductible HMO (DHMO) medical plan. With both plans you must receive your medical services from in-network providers. With the Navigate plan, you must select a primary care physician (PCP). Women may see a network OB/GYN for their annual exam without a referral from their PCP. All care must be provided or coordinated by your PCP, with the exception noted above, if you are in the Navigate plan. The Kaiser plan strongly recommends that you select a PCP, but it is not required. MEDICAL BENEFITS UHC Navigate Plan Kaiser DHMO Plan Lifetime Benefit Maximum Annual Deductible (single/family) Annual Out-of-Pocket Maximum (excluding deductible) Unlimited $1,000/$3,000 $1,000/$3,000 $3,000/$6,000 $3,000/$6,000 Coinsurance 10% 10% DOCTOR S OFFICE Office Visit (PCP/Specialist) $20/$40 copay $25/$50 copay Wellness Care (routine exams, x-rays/tests, immunizations, well baby care and mammograms) PRESCRIPTION DRUGS No charge No charge Retail Generic Drug (30-day supply) Retail Formulary Drug (30-day supply) Retail Non-Formulary Drug (30-day supply) Mail Order Generic Drug (90-day supply) Mail Order Formulary Drug (90-day supply) Mail Order Non-Formulary Drug (90-day supply) $15 copay $15 copay $30 copay $30 copay $50 copay $50 copay $37.50 copay $30 copay $75 copay $60 copay $125 copay $100 copay 3
4 MEDICAL BENEFITS UHC Navigate Plan Kaiser DHMO Plan HOSPITAL SERVICES Emergency Room $300 copay $250 copay Hospital Deductible No separate deductible No separate deductible Inpatient Deductible / 10% Deductible / 10% Outpatient Surgery Deductible / 10% Deductible / 10% Ambulance Service Deductible / 10% 10% up to $500 per trip MENTAL HEALTH SERVICES Inpatient Services Deductible / 10% Deductible / 10% Outpatient Services $20 copay $25 copay SUBSTANCE ABUSE SERVICES Inpatient Services Deductible / 10% Deductible / 10% Outpatient Services $20 copay $25 copay OTHER SERVICES Maternity Services (Prenatal care) All other maternity hospital/ physician services Chiropractic Services Physical, Occupational and Speech Therapy Services Office copay applies to initial visit only No charge for office visit 10% Deductible for procedures received during office visit Deductible / 10% Deductible / 10% $40 copay 20 visits per policy year $20 copay 20 visits per therapy type per policy year Not covered $25 copay 20 visits per therapy type per policy year TMJ and Related Services Not covered Not covered Private Duty Nursing Not covered Deductible / 10% if medically necessary Other Services (Artificial limbs and other prosthetic devices; blood and blood components; leg, arm and neck braces; surgical dressings; casts and splints) Deductible / 10% $2,500 per policy year 10% to a maximum of $2,000 per policy year Vision Services (Exam only) $20 copay 1 exam every year $25 copay 4
5 Voluntary Dental Benefits Administered by Delta Dental Good oral care enhances overall physical health, appearance and mental wellbeing. Problems with the teeth and gums are common and easily treated health problems. Keep your teeth healthy and your smile bright with the Aurora Public Schools dental benefit plan. Annual Deductible (single/family) In-Network $50/$150 Combined in and out of network Annual Benefit Maximum $1,250 Combined in and out of network Preventive Dental Services (cleanings, exams, x-rays) Basic Dental Services (fillings) Major Dental Services (extractions, crowns, inlays, onlays, bridges, dentures, repairs) Out-of-Network PPO $50/$150 Combined in and out of network $1,250 Combined in and out of network 100% 80% 80% 80% 50% 50% Orthodontic Services Not covered Not covered Vision EyeMed Through Delta Dental If you are enrolled in the dental plan you are eligible for vision care savings through EyeMed Vision Care. By accessing an EyeMed network provider you will receive discounts on eye exams, glasses and contact lenses. Life and Accidental Death & Dismemberment Insurance Insured by Cigna Life Insurance Life insurance provides financial security for the people who depend on you. Your beneficiaries will receive a lump-sum payment if you die while employed by Aurora Public Schools. The School District provides basic life insurance of 2 times your annual compensation to a maximum of $250,000 at no cost to you. Accidental Death and Dismemberment (AD&D) Insurance Accidental Death and Dismemberment (AD&D) insurance provides payment to you or your beneficiaries if you lose a limb or die in an accident. Aurora Public Schools provides AD&D coverage of 2 times your annual compensation to a maximum of $250,000 at no cost to you. This coverage is in addition to your company-paid life insurance described above. 5
6 Flexible Spending Accounts (FSAs) Administered by Discovery Benefits You can save money on your health care and/or dependent day care expenses with an FSA. You set aside funds each pay period on a pretax basis and use them taxfree for qualified expenses. You pay no federal or state income taxes on your contributions to an FSA. (That s where the savings comes in.) Your FSA contributions are deducted from your paycheck before taxes are withheld, so you save on income taxes and have more disposable income. Healthcare Spending Limit $2,500 Dependent Care Spending Limit $5,000 Discovery Benefits is the administrator of two individual Flexible Spending Accounts one for health care expenses and one for dependent childcare and elder care expenses. You can enroll in one or both FSAs. You use each account separately, but they work similarly. Here s How an FSA Works 1. You decide the annual amount (see above for the limit for each account) you want to contribute to either or both FSAs based on your expected health care and/or dependent childcare/elder care expenses. 2. Your contributions are deducted from each paycheck before income taxes, and deposited into your FSA. 3. You can pay with the Health Care FSA debit card for eligible health care expenses. For dependent care, you pay for eligible expenses when incurred, and then submit a reimbursement claim form or file the claim online. 4. You are reimbursed from your FSA, so you actually pay your expenses with taxfree dollars. Employee Assistance Program (EAP) Administered by Horizon Health The EAP can provide you with support for a variety of concerns ranging from coping with stress to relationship issues, finding child care, and help with legal and financial matters. All services are confidential and available 24/7 online or by phone. Long-Term Disability Insurance Insured by Cigna Meeting your basic living expenses can be a real challenge if you become disabled. Your options may be limited to personal savings, spousal income and possibly Social Security. Disability insurance provides protection for your most valuable asset your ability to earn an income. Aurora Public Schools provides Long-Term Disability insurance (LTD) coverage at no cost for those employees who do not have five years vested with PERA. LTD coverage provides income when you have been disabled for 180 days or more. Your benefit is 60% of your monthly earnings, up to $1,500 per month. This amount may be reduced by other deductible sources of income or disability earnings. Benefit payments can continue to age 65 if you are under age 60 at the time of disability. 6
7 Contact Information If you have specific questions about any of the benefit plans, please contact the administrator listed below, or your local human resources department. BENEFIT ADMINISTRATOR PHONE WEBSITE/ Medical United Healthcare n/a Medical Kaiser n/a Dental Delta Dental n/a Vision Delta Dental/EyeMed DeltaDental n/a Life and AD&D Insurance Cigna n/a n/a Long-Term Disability Cigna n/a n/a FSA Discovery Benefits Employee Assistance Program Horizon Health Employee Contributions for Benefits Full Time Employees BENEFIT PLAN MONTHLY UNITED HEALTHCARE Employee $29.73 Employee + Spouse $ Employee + Children $ Family $1, KAISER Employee $22.80 Employee + Spouse $ Employee + Children $ Family $ DENTAL Employee $25.54 Employee + Spouse $52.79 Employee + Children $65.60 Family $87.86 Employee Contributions for Benefits Part Time Employees HOURS PER DAY KAISER Employee $ $ $ $ $ $ $ $ $ $ $ $90.48 Employee + Spouse $ $ $ $ $ $ $ $ $ $ $ $ Employee + Children $ $ $ $ $ $ $ $ $ $ $ $ Family $1, $1, $1, $1, $1, $ $ $ $ $ $ $ UNITED HEALTHCARE Employee $ $ $ $ $ $ $ $ $ $ $ $ Employee + Spouse $1, $1, $ $ $ $ $ $ $ $ $ $ Employee + Children $ $ $ $ $ $ $ $ $ $ $ $ Family $1, $1, $1, $1, $1, $1, $1, $1, $1, $1, $1, $1,
8 q\2013\gbs\aurora Public Schools\Aurora Public Schools.indd This benefit summary prepared by
2018 Benefit Summary
2018 Benefit Summary Benefits Overview Knox College is proud to offer a comprehensive benefits package to eligible employees. Eligibility is based on employees scheduled to work 30 hours or more per week,
More information2018 MSD Benefits Overview
2018 MSD Benefits Overview This document is an outline of the coverage proposed by the carrier(s). It does not include all of the terms, coverage, exclusions, limitations, and conditions of the actual
More informationDiocese of Monterey. July 2018-June 2019 Benefits Summary. Diocese of Monterey. 425 Church Street, Monterey, California 93940
Diocese of Monterey July 2018-June 2019 Benefits Summary Diocese of Monterey 425 Church Street, Monterey, California 93940 831.373.4345 www.dioceseofmonterey.org Benefits Overview The Diocese of Monterey
More informationEmployee Benefits Guide
Employee Benefits Guide 2016 2016-2017 Benefit Summary Welcome to MJ Management s 2016-2017 Open Enrollment the time where all eligible employees are able to make changes to their benefit elections. Decisions
More informationBENEFITS GUIDE
Y O U R H E A L T H Y O U R D E C I S I O N 2015-2016 BENEFITS GUIDE Overview 3 Benefit Guide Content Overview 3-4 Medical 5-6 Flexible Spending 7 Trustmark Voluntary Benefits 8-9 Employee Wellness 10
More informationIt Pays to Think Ahead.
Cherry Creek School District #5 It Pays to Think Ahead. 2015 2016 Benefit Summary Benefits Office 4700 S. Yosemite St. Greenwood Village, CO 80111 benefits@cherrycreekschools.org Benefits Overview All
More informationY O U R Y O U R H E A L T H D E C I S I O N Benefits Guide
Y O U R H E A L T H Y O U R D E C I S I O N 2016-2017 Benefits Guide Overview Benefit Guide Content Overview 2-3 Medical 4-5 Employee Wellness 6-8 Flexible Spending 9 Dental 10 Vision 11 Term Life 12 Voluntary
More informationVeritas Management Group EMPLOYEE BENEFITS
Veritas Management Group EMPLOYEE BENEFITS Benefit plans effective February 1, 2016 January 31, 2017 Table of Contents How Benefits Work Benefits Eligibility... 3 Enrollment... 3 Changing Your Benefits
More informationVeritas Management Group EMPLOYEE BENEFITS
Veritas Management Group EMPLOYEE BENEFITS Benefit plans effective February 1, 2017 January 31, 2018 Table of Contents How Benefits Work Benefits Eligibility... 3 Enrollment... 3 Changing Your Benefits
More informationGUIDE TO MEDICAL AND DENTAL PLANS
GUIDE TO MEDICAL AND DENTAL PLANS B e n e f i t s e f f e c t i v e J u l y 1, 2 0 1 4 t h r o u g h J u n e 3 0, 2 0 1 5 Choosing your benefits is an important decision. This guide provides you with the
More informationWe Make it Easy to Provide Your Employees With a Complete Benefits Package.
This coverage is not insurance and the Idaho AGC Self-funded Benefit Trust does not participate in the state Guarantee Association. We Make it Easy to Provide Your Employees With a Complete Benefits Package.
More informationMEDICAL PLAN UPDATED EFFECTIVE 10/1/2017. Employee Benefits Guide
MEDICAL PLAN UPDATED EFFECTIVE 10/1/2017 Employee Benefits Guide 2017 2017-2018 Benefit Summary Welcome to MJ Management s 2017-2018 Open Enrollment the time where all eligible employees are able to make
More information2017 Denver Employees Retirement Plan Non-Medicare Medical Plan Summary
HDHP* 2017 Denver Employees Retirement Plan Non-Medicare Summary Colorado HDHP HDHP** DHMO* Colorado DHMO Navigate (Colorado only) Annual Deductible Single $1,350 $1,350 $1,350 $500 $500 $500 Family $2,700
More informationCOMPREHENSIVE MEDICAL BENEFITS
CEMENT MASONS HEALTH AND WELFARE TRUST FUND ACTIVE CEMENT MASONS AND THEIR ELIGIBLE DEPENDENTS EFFECTIVE JANUARY 1, 2010 DIRECT PAYMENT When You Can Change Plans Type of Plan Geographical Area Covered
More informationBenefits Guide
2018-2019 Benefits Guide Welcome to Enrollment for your 2018-2019 Benefits! We are honored to present your 2018-2019 Benefit Options! The elections you make during enrollment will be effective through
More informationSavanna Energy Services. Your 2016 Guide to Benefits
S Savanna Energy Services Your 2016 Guide to Benefits Benefits at a Glance Copay: A fixed dollar amount you must pay for a specific service, such as an office visit or emergency room. Coinsurance: The
More informationDeductible plus $50 Deductible plus $50 40% after Deductible 1, 6. Deductible plus $50
204 Benefits Summary - RETIREMENT VISION PAID TIME OFF MEDICAL DENTAL LIFE DISABILITY RETIREMENT VISION PAID TIME OFF MEDICAL DENTAL LIFE DISABILITY RETIREMENT VISION PAID TIME OFF MEDICAL DENTAL LIFE
More informationBENEFITS COST & COVERAGE INFORMATION
2011 BENEFITS COST & COVERAGE INFORMATION A COMPARISON OF MEDICAL COVERAGE AND COST SUPPLEMENT INFORMATION This document provides Health Care and Voluntary Benefits cost and coverage information offered
More informationOPERATING ENGINEERS HEALTH & WELFARE FUND BENEFIT PLANS SUMMARY COMPARISON FOR ACTIVE and RETIRED PARTICIPANTS
PPO Plan For Non-PPO Providers Employee Premium None None None None None Explanation of Plans and Options Available to You Deductible Annual Out-of-Pocket If you choose a doctor who is not contracted with
More informationClergy Benefit Comparison Effective January 1, 2018
Clergy Benefit Comparison Effective January 1, 2018 HMO-POS Plan Personal Care Account (Provided by VUMPI) There is no Personal Care Account There is no Personal Care Account $750 Individual, $2,250 Family
More informationEmployee Benefits Summary. Plan Year 2017/18
Employee Benefits Summary Plan Year 2017/18 WELCOME -3- Mount Ida College offers a competitive benefits package to all eligible faculty and staff. The following is a summary of the benefit plans offered.
More informationthe options the options
Invested in Invested in all weighing weighing all the options the options 207 Health Coverage Comparison Chart Making the right choice is important. Here s some information you ll need, to help you make
More information2018 Health Coverage Comparison Chart
Invested in weighing the possibilities 08 Health Coverage Comparison Chart Making the right choice is important. Here s some information you ll need to help make more informed decisions. What s Inside
More informationBenefit Summary
2018-2019 Benefit Summary Your Health Your Decision Welcome to your 2018-2019 Benefits Enrollment What s in the Guide? Enrollment Process....3 Medical........ 4 gap Plan.....5 Dental.....6 Vision... 7
More informationOur plans fit your plans
Individual and Family Health Care Plans for California Our plans fit your plans CABR10005HMO (9/10) SelectHMO HMO Saver Individual HMO What makes Anthem Blue Cross plans a smart choice? 1. A choice of
More information2015 Benefits Overview
Employee Benefits 2015 Benefits Overview Allina Health is proud to provide our employees competitive benefits that help support their health, savings and balance. Your benefits overview Allina Health is
More informationCHOOSE YOUR BENEFITS 2016 BENEFITS SUMMARY. A comprehensive comparison of all plans offered in Hawaii PURSUE GOOD HEALTH
CHOOSE YOUR PURSUE GOOD HEALTH 2016 SUMMARY A comprehensive comparison of all plans offered in Hawaii ER FSA HMO HRA PCP PPO Rx Emergency Room KNOW YOUR OPTIONS BEFORE YOU CHOOSE Review these summary charts
More informationBlount Open Enrollment Guideline
Blount Open Enrollment Guideline Enrollment dates: November 7 11, 2016 Benefits effective 01/01/2017 1. Medical Plan Options United Healthcare Plan A United Healthcare Plan B with Health Savings Account
More information2017 Annual Benefits Enrollment Enroll for 2017 benefits October 17 28, 2017
2017 Annual Benefits Enrollment Enroll for 2017 benefits October 17 28, 2017 Your CCBCC benefits are an important part of your overall compensation. Our benefit programs are designed to help you get healthy
More informationBasic Life and Accidental Death & Dismemberment (AD&D) Insurance
Basic Life and Accidental Death & Dismemberment (AD&D) Insurance USC recognizes the importance of life insurance for employees at all ages and stages in life, by automatically providing Basic Life and
More informationCalifornia Ironworkers Field Welfare Plan 1/1/2014 Open Enrollment Benefit Plan Comparison Non-Medicare Retired Participants Residing in California
Choice of Providers Calendar Year Deductible *The Fund s Calendar Year Deductible is never waived. However, some services are not subject to the Deductible. If you live in, your Network is the Anthem Blue
More informationBenefits Overview. For U.S. Hourly Bargaining Employees Group 17
2016 Benefits Overview For U.S. Hourly Bargaining Employees Group 17 At Packaging Corporation of America (PCA), we recognize the importance of providing competitive benefits benefits that help you achieve
More informationMINNESOTA STATE UNIVERSITY, MANKATO BENEFITS SUMMARY for ADMINISTRATORS
Human Resources Office Rev: May, 2014 MINNESOTA STATE UNIVERSITY, MANKATO BENEFITS SUMMARY for ADMINISTRATORS The benefits listed are subject to change pending state and federal legislation and MnSCU Board
More information2018 Benefits Guide. Improving Our Wellness Together
2018 Benefits Guide Improving Our Wellness Together Welcome to your 2018 Benefits Open Enrollment We are honored to present your 2018 Benefit Options! The elections you make during open enrollment will
More information2018 employee benefits YOUR GUIDE.
2018 employee benefits YOUR GUIDE. 2018 employee benefits 2 TABLE OF CONTENTS Benefits Overview... 2 Benefit Plans Offered... 2 Eligibility... 2 New in 2018... 3 Medical Benefits... 4 Dental Benefits...
More informationDental TERMS YOU SHOULD KNOW GENERAL TERMS-DENTAL. Preventive Services. Basic Services. Prosthodontic Services
Dental GENERAL TERMS-DENTAL TERMS YOU SHOULD KNOW Basic Services Procedures necessary to restore teeth (other than crowns or cast restorations), oral surgery, endodontics (root canal therapy), and periodontics.
More informationCity of Taft. Employee Benefits Guide. Design Zywave, Inc. All rights reserved.
City of Taft Employee Benefits Guide Design 2008-2011 Zywave, Inc. All rights reserved. City of Taft offers you and your eligible family members a comprehensive and valuable benefits program. We encourage
More informationLAT BRO 7/09. Latitude. For Groups with 2-50 Employees
LAT BRO 7/09 Latitude For Groups with 2-50 Employees The world isn t flat your healthcare plan shouldn t be either. Latitude Latitude : The Smart, Flexible Solution Chart Your Own Course with Latitude
More informationFOURTH QUARTER 2017 SMALL GROUP PRODUCT PORTFOLIO
FOURTH QUARTER 2017 SMALL GROUP PRODUCT PORTFOLIO THE CARD THAT OPENS DOORS IN 50 STATES. Benefits of Blue Plan options NEW tiered benefit plans Tiered benefit plans offered at every metal level (align
More information(30- to 34-day supply) 100% after $40 copay; significant or new therapeutic class drugs: 50%
C O U N T Y S I N T R A N E T S I T E : H T T P : / / I N T R A N E T. C O. R I V E R S I D E. C A. U S 25 Exclusive Care Select Medicare Coordination Plan Tier 1: Exclusive Care Network Tier 2: Any Provider
More informationSchedule of Benefits. Plan D
13537 Barrett Parkway Drive suite 100 Manchester, Missouri 63021 phone 314.835.2700 or 1.866.565.2700 Fax 314.966.9848 Schedule of Benefits Eligibility Information Your Plan of benefits includes medical,
More informationNortel FLEX 2012 Enrollment. Summary of Health Benefits
Nortel FLEX 2012 Enrollment Summary of Health Benefits 1 Summary of Health Benefits Medical Network Area The chart below outlines the main features of the Medical Plan options available to you if you live
More information2018 Health Coverage Comparison Chart
Invested in weighing the possibilities 08 Health Coverage Comparison Chart Making the right choice is important. Here s some information you ll need to help make more informed decisions. What s Inside
More informationAnnual Enrollment Meetings
Non-Union Annual Enrollment Meetings Hussmann Corporation Non-Union Benefit Overview Effective January 1, 2014 Optional Benefits Medical/Pharmacy (PPO & CHP) Health Savings Account (HSA) Flexible Spending
More informationWelcome to your 2019 Benefits Enrollment
2019 Benefits Guide Welcome to your 2019 Benefits Enrollment What s in the Guide? Enrollment Process....3 Mobile App..4 Login Instructions...5 Medical..... 6-7 Flexible Spending Accounts....8 Dental.....9
More informationTeva 2013 Open Enrollment Your Choices and Options
2013 COBRA Guide Open Enrollment Your Choices and Options 2 HEALTHCARE 2 Medical (includes vision) 5 Prescription Drug 6 Dental Enroll November 5 16 More information will be provided by our vendor, Conexis.
More informationFocus on Benefits July 2016
Focus on Benefits July 2016 INTRODUCTION In this brochure of information are the insurance benefits offered at School District of Reedsburg. We encourage you to take some time to read over this the information.
More informationBENEFITS OVERVIEW FOR FLORIDA SENIOR EXECUTIVES, FULL PROFESSORS, AND SENIOR SCIENTIFIC DIRECTORS
BENEFITS OVERVIEW FOR FLORIDA SENIOR EXECUTIVES, FULL PROFESSORS, AND SENIOR SCIENTIFIC DIRECTORS The Scripps Research Institute (TSRI) offers eligible employees a comprehensive benefits program. The program
More informationWELCOME TO THE 2017 SUMMARY PLAN DESCRIPTION FOR ACTIVE EMPLOYEES
SUMMARY PLAN DESCRIPTION FOR HEALTH AND WELFARE BENEFITS OF ACTIVE EMPLOYEES EFFECTIVE JANUARY 1, 2017 Table of contents WELCOME TO THE 2017 SUMMARY PLAN DESCRIPTION FOR ACTIVE EMPLOYEES MUFG Union Bank,
More informationMINNESOTA STATE UNIVERSITY, MANKATO CANDIDATE BENEFITS SUMMARY For AFSCME, MAPE, MGEC, MMA, MNA, & COMMISSIONER S PLAN
Human Resources Rev: May, 2014 MINNESOTA STATE UNIVERSITY, MANKATO CANDIDATE BENEFITS SUMMARY For AFSCME, MAPE, MGEC, MMA, MNA, & COMMISSIONER S PLAN These benefits apply to employees in AFSCME Council
More informationBENEFITS ENROLLMENT
2018 2019 BENEFITS ENROLLMENT Open Enrollment begins February 12, 2018. This is your annual opportunity to choose the benefits coverage that s right for you and your family. You will have until March 2,
More informationCENTRAL PENNSYLVANIA TEAMSTERS HEALTH AND WELFARE FUND PLAN 13 SUMMARY OF BENEFITS EFFECTIVE JANUARY 1, 2016 BENEFITS PPO NETWORK OUT OF NETWORK
Deductible & Out-of-pocket Each Year Each Year Individual Deductible $150.00 $150.00 Family Maximum Deductible $450.00 $450.00 Co-Insurance 10% 10%, plus any balances over UCR Individual Out-of-Pocket
More informationBENEFITS SUMMARY Plan Year
BENEFITS SUMMARY Plan Year 2018 1 OUR EMPLOYEES ARE OUR MOST VALUABLE ASSET At CITY OF RIPON we are committed to offering a comprehensive employee benefits program that helps our employees stay healthy,
More informationSchedule of Benefits. Plan C
13537 Barrett Parkway Drive suite 100 Manchester, Missouri 63021 phone 314.835.2700 or 1.866.565.2700 Fax 314.966.9848 Schedule of Benefits Eligibility Information Your Plan of benefits includes medical,
More informationOPERATING ENGINEERS HEALTH & WELFARE FUND BENEFIT PLANS SUMMARY COMPARISON FOR ACTIVES and EARLY RETIREES
PPO Plan For Non-PPO Providers Employee Premium None None None None None Explanation of Plans and Options Available to You Deductible Annual Out-of-Pocket Maximum Medical and ¹Pediatric Dental & Vision
More informationMedical Plan 2019 Coverage Options
Medical Plan 2019 Coverage Options These documents provide a convenient overview of your health care insurance rates and coverage (medical, including pharmacy; dental; vision) and your contribution limits
More informationOVERVIEW OF YOUR BENEFITS
OVERVIEW OF YOUR BENEFITS 9 IMPORTANT PHONE NUMBERS Rochester Benefit Fund Office (585) 244-0830 For questions about eligibility, Coordination of Benefits, your 1199SEIU Health Benefits ID card, prescription
More informationCOUNTY OF SAN JOAQUIN HEALTH BENEFITS SUMMARY FOR NEW EMPLOYEES
COUNTY OF SAN JOAQUIN HEALTH BENEFITS SUMMARY FOR NEW EMPLOYEES 2013-14 Human Resources Division 44 N. San Joaquin St, Ste 330 Stockton, CA 95202 Telephone (209) 468-3379 or 468-3279 or 953-7563 Fax (209)
More informationmedical solutions traveler employee medical benefits
medical solutions traveler employee medical benefits OPEN ENROLLMENT FOR PLAN YEAR 1.1.18-12.31.18 GOLD ($500 DEDUCTIBLE) SILVER ($2,000 DEDUCTIBLE) BRONZE ($3,500 DEDUCTIBLE) Deductible Single/Family
More informationLooking for some good news about comprehensive health coverage? You ve just found it. MCABR2945C (6/08) Individual HMO
Individual and Family Health Care Plans for California Looking for some good news about comprehensive health coverage? You ve just found it. MCABR2945C (6/08) SelectHMO HMO Saver Individual HMO What makes
More informationSanta Ana Unified School District
Santa Ana Unified School District Employee Benefits Office (714) 558-5681 SAUSD Open Enrollment Information for Post Eligible Retirees It s time for you to make decisions about your 2010 2011 health care
More informationrestrictions do apply in calculating the maximum amount that may be tax-deferred. Contributions are invested with TIAA.
Comprehensive Benefits Summary for Faculty 2018 2019 Regular Appointments of Half-Time (.5 FTE*) or More Retirement Employee/Employer Matching Contributions - The University s 403b retirement plan is one
More informationTulane University. Tulane University Staff Benefits Overview
Tulane University 2015 Staff Benefits Overview 1 An important part of your employment experience at Tulane is the total rewards program provided by the University in exchange for your support of our mission.
More informationBENEFITS ENROLLMENT
2018 2019 BENEFITS ENROLLMENT Open Enrollment begins February 12, 2018. This is your annual opportunity to choose the benefits coverage that s right for you and your family. You will have until March 2,
More informationSILVER PPO PLAN BENEFIT SUMMARY
SILVER PPO PLAN BENEFIT SUMMARY All benefits are subject to eligibility, maximum Plan benefit, reasonable and customary determination (or negotiated fee amounts for PPO provider services), and any special
More informationEMPLOYEE BENEFITS GUIDE
2018 EMPLOYEE BENEFITS GUIDE IN THIS GUIDE Eligibility and Participation...1 Employee Eligibility Dependent Eligibility Enrolling and Making Changes to Your Benefits Semi-Monthly Costs for Coverage...2
More informationPLAN E-1 PPO BENEFIT SUMMARY LANDSCAPERS
LANDSCAPERS All benefits are subject to eligibility, maximum Plan benefit, reasonable and customary determination (or negotiated fee amounts for PPO provider services), and any special limits noted in
More informationDignity Health Benefits
FACILITY SPECIFIC BENEFIT INFORMATION FOR St. Rose Hospitals - Non-Union This document contains important information about your Medical, Dental, Vision, Life, Accidental Death & Dismemberment and Longterm
More information2018 Summary of Benefi ts
2018 Summary of Benefi ts Table of Contents Page 1..... Medical Plans Page 2..... Dental Plan Page 2..... Vision Plan Page 3..... Life Insurance Options Page 3..... Flexible Spending Accounts Page 3.....
More informationBENEFITS OVERVIEW FOR FLORIDA EMPLOYEES
BENEFITS OVERVIEW FOR FLORIDA EMPLOYEES The Scripps Research Institute (TSRI) offers eligible employees a comprehensive benefits program. The program provides a medical plan, dental plan, and life insurance
More informationCarroll County Public Schools. Flexible Benefits. Open Enrollment Guide
Flexible Benefits Open Enrollment Guide 2019 125 North Court Street Westminster, MD 21157 Together - It's Possible! 2019 FLEXIBLE BENEFITS OPEN ENROLLMENT The Flexible Benefits Program (medical, dental,
More information- CENTRAL PENNSYLVANIA TEAMSTERS HEALTH AND WELFARE FUND PLAN 14 BASE BENEFIT LEVEL B SUMMARY OF BENEFITS EFFECTIVE JANUARY 1, 2016
Note: *Base Benefit **Optional Benefit ***See additional notes starting on page 7 +See additional notes starting on page 7 BASE BENEFITS AT LEVEL B:* Deductible & Out-of-pocket Each Year Each Year Individual
More informationWhen You Can Change Plans. Care is provided through physicians or medical staff at a Kaiser Permanente facility located in the member's service area.
LABORERS HEALTH AND WELFARE TRUST FUND FOR ACTIVE PLAN AND SPECIAL PLAN PARTICIPANTS COMPARISON AND SUMMARY OF THE MEDICAL-HOSPITAL AND PRESCRIPTION DRUG PLANS EFFECTIVE MARCH 1, 2017 P L A N F E A T U
More information- CENTRAL PENNSYLVANIA TEAMSTERS HEALTH AND WELFARE FUND PLAN 14 BASE BENEFIT LEVEL A SUMMARY OF BENEFITS EFFECTIVE JANUARY 1, 2019
Note: *Base Benefit **Optional Benefit ***See additional notes starting on page 7 +See additional notes starting on page 7 BASE BENEFITS AT LEVEL A* Deductible & Out-of-pocket Each Year Each Year Individual
More informationMedical Benefit Summary - Non-Union
Medical Summary - Non-Union Service HAP HMO Plan PREVENTIVE SERVICES - *UNLIMITED PER MEMBER PER CALENDAR YEAR Health Maintenance Exam includes chest X-ray, EKG and select lab procedures Annual Gynecological
More information$4,800.00/ individual. $9,600.00/family
Medical Plans Please note, this brochure provides an overview of certain health care plan provisions under the Adobe Systems Incorporated Group Welfare Plan. It is not intended to be a complete description
More informationPLAN A-5 PPO BENEFIT SUMMARY MUNICIPALITY (MONTHLY)
MUNICIPALITY (MONTHLY) All benefits are subject to eligibility, maximum Plan benefit, reasonable and customary determination (or negotiated fee amounts for PPO provider services), and any special limits
More information2010 AMN Plan Summary of Benefits
2010 AMN Plan Summary of Benefits Medical/Dental/Rx/Life Ins. Coverage Plan Options CIGNA Healthcare is the provider for medical, dental, prescriptions and life insurance. Open Access In-Network Plan OAIN
More informationFeeling Secure. Medical Care Dental Care Voluntary Vision Care
2017-2018 That s why at Town of Holly Springs we are committed to a comprehensive benefit program that helps our employees stay healthy, feel secure and maintain a work/life balance. Stay Healthy What
More informationSOUND HEALTH & WELLNESS TRUST MEDICAL, PRESCRIPTION DRUG AND VISION OPTIONS. SOUND PLAN (under 36 months of employment) 2017 ENROLLMENT
SOUND HEALTH & WELLNESS TRUST MEDICAL, PRESCRIPTION DRUG AND VISION OPTIONS FOR SOUND PLAN (under 36 months of employment) 2017 ENROLLMENT Prevention @ 100% 2 All covered in-network preventive care is
More information2016 Medical, Dental and Vision Plan Comparisons
Y URBENEFITS EXPLORE YOUR COUNTY OF RIVERSIDE OPTIONS 2016 Medical, Dental and Vision Plan Comparisons 2016 COR Benefits Guide 1 COUNTY MEDICAL PLANS COMPARISON CHART These benefit summaries only highlight
More informationEMPLOYEE BENEFITS PROGRAM
EMPLOYEE BENEFITS PROGRAM YOUR HEALTH. YOUR LIFE. YOUR FUTURE. CRC s benefit plans and programs are designed to provide you and your family with the protection you need today and the opportunity to build
More informationFlexible Benefits Guide
Flexible Benefits Guide Carroll County Public Schools 125 North Court Street Westminster, MD 21157 2016 Flexible Benefits Program This guide will provide information on all your available benefit options.
More informationChoice 100+ A defined contribution plan can help control your costs and offer your 100+ employees more options
Choice 100+ A defined contribution plan can help control your costs and offer your 100+ employees more options With Choice 100+, employees choose the plan that best meets their needs from the options you
More informationNon-Union. Annual Enrollment Meeting
Non-Union Annual Enrollment Meeting Non-Union Benefit Change Highlights Effective January 1, 2016 Medical Plans UnitedHealthcare (UHC) continues as our medical insurance carrier Medical premiums will increase
More informationY o u r B e n e f i t s a t a G l a n c e
Y o u r B e n e f i t s a t a G l a n c e Single Coverage Deductible... $3,750 per Member Coinsurance... None Total Out-of-Pocket Limit... $3,750 per Member Family Coverage Deductible... $3,750 per Member
More informationPortland Cement Association 2016 Health Insurance Open Enrollment. Benefit Plan Year: January 1 st, December 31 st, 2016
Portland Cement Association 2016 Health Insurance Open Enrollment Benefit Plan Year: January 1 st, 2016 - December 31 st, 2016 WHAT IS OPEN ENROLLMENT? Open enrollment is your once a year opportunity to
More informationDENVER EMPLOYEES RETIREMENT PLAN RETIREE BENEFITS GUIDE
DENVER EMPLOYEES RETIREMENT PLAN 2018 RETIREE BENEFITS GUIDE Table of Contents WELCOME LETTER 3 BENEFITS ELIGIBILITY AND ENROLLMENT 6 KEY TERMS 7 BENEFIT PLAN COSTS 8 MEDICAL PLANS 9 DENTAL PLANS 15 VISION
More informationyour health. your life. your future.
EMPLOYEE BENEFITS PROGRAM Benefit with Oxy 2018 your health. your life. your future. Occidental Petroleum Corporation Benefit Plans at a Glance Oxy s benefit plans and programs are designed to provide
More informationY o u r B e n e f i t s a t a G l a n c e
Y o u r B e n e f i t s a t a G l a n c e Single Coverage SCHEDULE OF BENEFITS Deductible... $5,000 per Member Coinsurance... 20% up to $1,650 per Member Total Out-of-Pocket Limit... $6,650 per Member
More information2016 GHI/HealthPartners Benefit Summary
2016 GHI/HealthPartners Summary Full-time Non-Union, Non-Exempt & Exempt Employees Medical Coverage HealthPartners/GHI pays the majority of premiums, offering the following plan choices: Distinctions -
More informationGray Television 2017 BENEFITS AT A GLANCE
Medical Plan Overview BENEFIT GREEN PLAN WITH HSA YELLOW PLAN RED PLAN HSA Employer Contribution IN-NETWORK OUT-OF-NETWORK IN-NETWORK OUT-OF-NETWORK IN-NETWORK OUT-OF-NETWORK Employee Only $1,000 N/A N/A
More informationBENEFITS SUMMARY GUIDE
BENEFITS SUMMARY GUIDE This guide offers an overview of benefits offered to our employees and is intended to answer many benefits questions in one simple place. 2017 **Disclaimer: If a discrepancy exists
More informationWhen Can You Change Your Medical-Hospital Plan?
LABORERS HEALTH AND WELFARE TRUST FUND FOR ACTIVE PLAN AND SPECIAL PLAN PARTICIPANTS COMPARISON AND SUMMARY OF THE MEDICAL-HOSPITAL AND PRESCRIPTION DRUG PLANS EFFECTIVE NOVEMBER 1, 2017 P L A N F E A
More informationHealth Insurance Enrollment Form
Health Insurance Enrollment Form Complete the Enrollment Form to Elect or Decline Coverage You MUST Complete the Enrollment Form for the New Hire Process You MUST Elect or Decline Medical Coverage on the
More informationIndividual and Family Health Care Plans for California. Our plans fit your plans. Basic PPO MCABR2948C 2/09
Individual and Family Health Care Plans for California Our plans fit your plans. MCABR2948C 2/09 SmartSense Basic PPO What makes Anthem Blue Cross plans a smart choice? 1. A choice of plans to fit your
More informationCOUNTY OF SAN JOAQUIN HEALTH BENEFITS SUMMARY FOR NEW EMPLOYEES
COUNTY OF SAN JOAQUIN HEALTH BENEFITS SUMMARY FOR NEW EMPLOYEES 2017-18 Human Resources Division 44 N. San Joaquin St, Ste 330 Stockton, CA 95202 Telephone (209) 468-9987 Fax (209) 468-9734 employeebenefits@sjgov.org
More informationrestrictions do apply in calculating the maximum amount that may be tax-deferred. Contributions are invested with TIAA.
Comprehensive Benefits Summary for Staff 2017 2018 Regular Appointments of Half-Time (.5 FTE*) or More Retirement Employee/Employer Matching Contributions - The University s 403b retirement plan is one
More informationYOUR BENEFITS GUIDE. Benefit plans effective January 1, 2017, through December 31, 2017.
YOUR BENEFITS GUIDE Benefit plans effective January 1, 2017, through December 31, 2017. The Oakley Transport Benefits Package Benefits are an integral part of the overall compensation package provided
More informationPlease read thoroughly.
2018 BENEFITS This publication contains important information about your employee benefit program. Please read thoroughly. Table of Contents Eligibility...3 Health Savings Account (HSA)...4 Flexible Spending
More information