BENEFIT CONCEPTS, INC.

Transcription

1 BENEFIT CONCEPTS, INC BENEFITS OPEN ENROLLMENT PRODUCER S GUIDE An overview of the wide array of benefits provided by BCI to help you enjoy increased well-being & financial security.

2 TABLE OF CONTENTS INTRODUCTION 3 OVERVIEW OF BENEFITS PROGRAMS 4 MEDICAL BENEFITS 6 HEALTH SAVINGS ACCOUNT (HSA) 9 UTILIZING PREVENTIVE CARE SERVICES 11 TELEMEDICINE 12 EAP & WORK-LIFE SERVICES 13 DENTAL COVERAGE 14 VISION COVERAGE 15 LIFE/AD&D INSURANCE 16 VOLUNTARY LIFE/AD&D INSURANCE 17 DISABILITY INSURANCE: LONG TERM 18 MEDICAL GAP COVERAGE 19 VOLUNTARY COVERAGE 20 GROUP LEGAL COVERAGE 21 IDENTITY THEFT 22 VALUE OF PRE-TAX BENEFITS 23 MEDICAL PREMIUM SUMMARY 24 ANCILLARY PREMIUM SUMMARY 25 VOLUNTARY LIFE AND AD&D PREMIUM SUMMARY 26 ONLINE ENROLLMENT 27 CONTACT INFORMATION

3 INTRODUCTION As an employee at BCI enjoying your work and making valuable contributions to the business are equally vital. The health, satisfaction and security of you and your family are important to your well-being and ultimately, achieving the goals of our organization. For the plan year, BCI has worked hard to offer a competitive total rewards package that includes valuable and competitive benefits plans. These programs reflect our commitment to keeping our staff healthy and secure. We understand that your situation is unique, and BCI is offering an overall benefits package with many possible choices - one that can be shaped and molded by you, to fit your needs. This enrollment booklet is a summary description of your BCI benefit plans. If there is a discrepancy between these summaries and the written legal plan documents, the plan documents shall prevail. This booklet and plan summaries do not constitute a contract of employment. We hope this enrollment booklet, along with our additional communication and decision-making tools, will help you make the best health care choices for you and your family. Update on Health Care Reform On January 1, 2014, a key component of the health reform law came into effect: Everyone in the US (with a few exceptions) is now mandated to have health insurance. BCI is pleased to offer to all eligible producers and staff health insurance and other valuable benefits as part of the BCI Benefits Program. The health insurance provided meets all of the health reform law requirements to satisfy your Individual Mandate requirements under the law. However, because we offer you coverage that satisfies all the health reform requirements, you will not qualify for any federal assistance to purchase an individual or family policy on the open market (the marketplace ). 3

4 OVERVIEW OF BENEFITS PROGRAMS BCI provides an array of benefits that can help you enjoy increased well-being, deal with an unexpected illness or accident, build and protect your financial security, balance your personal and professional life and meet every day needs. These benefits are affordable, comprehensive and competitive. The table below summarizes the benefits available to eligible producers, staff and their dependents. These benefits are described in greater detail in this booklet. Benefits At-A-Glance BENEFIT TYPE CARRIER PLAN RENEWAL Medical Humana 10/1/17 Dental Humana 10/1/17 Vision Humana 10/1/17 EAP Humana N/A Telemedicine Healthiest You 1/1/18 Basic Life Guardian 12/1/17 Voluntary Life Guardian 12/1/17 Short Term Disability Guardian 12/1/17 Long Term Disability Guardian 12/1/17 Accident Colonial 10/1/17 Critical & Specified Illness Colonial 10/1/17 Prepaid Legal & Identity Theft LegalSheild N/A Medical Gap Special Insurance Services (SIS) 1/1/18 401(k) Principal N/A 4

5 OVERVIEW OF BENEFITS PROGRAMS Eligibility When Coverage Begins and Ends All active full-time employees working 30 hours a week or more are eligible to enroll in the benefit plans offered as part of BCI Benefits Program. Coverage for all benefits, except the 401(k), begin on the 1st of the month following your date of hire. You will become eligible to participate in the 401(k) following a 6 month waiting period and then coinciding with the next quarterly entry date of January 1st, April 1st, July 1st or October 1st. Your coverage under the benefits plans will end if you no longer meet the eligibility requirements, your contributions are discontinued or the Group Insurance Policy is terminated. Qualifying Events Eligible employees may enroll or make changes to their benefits elections during the annual open enrollment period. As with most benefits, once you elect an option you are bound to that choice for the entire plan year unless you experience a Qualifying Event. These may include, but are not limited to: Changes in employment status Changes in legal marital status Changes in number of dependents Taking an unpaid leave of absence Dependent satisfies or ceases to satisfy eligibility requirement Family Medical Leave Act (FMLA) leave. A COBRA-qualifying event Entitlement to Medicare or Medicaid A change in the place of residence of the employee, resulting in the current carrier not being available 5

6 MEDICAL Summary of Coverage HUMANA BUY-UP PLAN SIMPLICITY 100/50 NPOS OPT 12 PLAN FEATURES IN NETWORK Deductibles (Individual / Family) $0 / $0 Out-of Pocket Max (Individual / Family) $6,500 / $13,000 Primary Care Visit Specialist Visit Diagnostic Lab & X-Rays Complex Images Outpatient Services Inpatient Services Emergency Room Urgent Care Preventive Care $30 copay $75 copay No charge $500 copay $1,000 copay per visit 3 day max / $1,000 copay per day $500 copay $125 copay No charge Prescription Deductible (Individual / Family) $0 / $0 Prescription Drugs Retail $10 / $40 / $70 / 25% / 35% Prescription Drugs Mail Order $25 / $100 / $175 / 25% / 35% PLAN FEATURES OUT OF NETWORK Deductibles (Individual / Family) $5,000 / $10,000 Out-of Pocket Max (Individual / Family) $19,500 / $39,000 Primary Care Visit 50% Specialist Visit 50% Diagnostic Lab & X-Rays 50% Complex Images 50% Outpatient Services 50% Inpatient Services 50% Emergency Room $500 copay Urgent Care 50% Preventive Care 50% Prescription Deductible (Individual / Family) $0 / $0 Prescription Drugs Retail 30% / 30% / 30%/ 30% / 50% Prescription Drugs Mail Order 30% / 30% / 30% / 30% / 50% 6

7 MEDICAL Summary of Coverage HUMANA BASE PLAN 50/50 $2000 DED 16 NPOS OPT 61 PLAN FEATURES IN NETWORK Deductibles (Individual / Family) $2,000 / $4,000 Out-of Pocket Max (Individual / Family) $6,500 / $13,000 Primary Care Visit Specialist Visit Diagnostic Lab & X-Rays $40 copay $65 copay No charge Complex Images 50% Outpatient Services 50% Inpatient Services 50% Emergency Room Urgent Care Preventive Care Prescription Deductible (Individual / Family) $350 copay $100 copay No charge $250 / $500; deductible waived for Level 1 drugs Prescription Drugs Retail $10 / $40 / $70 / 25% / 35% Prescription Drugs Mail Order $25 / $100 / $175 / 25% / 35% PLAN FEATURES OUT OF NETWORK Deductibles (Individual / Family) $6,000 / $12,000 Out-of Pocket Max (Individual / Family) $19,500 / $39,000 Primary Care Visit 50% Specialist Visit 50% Diagnostic Lab & X-Rays 50% Complex Images 50% Outpatient Services 50% Inpatient Services 50% Emergency Room $350 copay Urgent Care 50% Preventive Care 50% Prescription Deductible (Individual / Family) $750 / $1,500; deductible waived for Level 1 drugs Prescription Drugs Retail 30% / 30% / 30%/ 30% / 50% Prescription Drugs Mail Order 30% / 30% / 30%/ 30% / 50% 7

8 MEDICAL Summary of Coverage HUMANA HSA PLAN 70/50 $4500 EHDHP 16 NPOS OPT 20 PLAN FEATURES IN NETWORK Deductibles (Individual / Family) $4,500 / $9,000 Out-of Pocket Max (Individual / Family) $6,350 / $12,700 Primary Care Visit 30% Specialist Visit 30% Diagnostic Lab & X-Rays 30% Complex Images 30% Outpatient Services 30% Inpatient Services 30% Emergency Room 30% Urgent Care 30% Preventive Care Prescription Deductible (Individual / Family) No charge Combined with medical Prescription Drugs Retail 30% Prescription Drugs Mail Order 30% PLAN FEATURES OUT OF NETWORK Deductibles (Individual / Family) $13,500 / $27,000 Out-of Pocket Max (Individual / Family) $19,050 / $38,100 Primary Care Visit 50% Specialist Visit 50% Diagnostic Lab & X-Rays 50% Complex Images 50% Outpatient Services 50% Inpatient Services 50% Emergency Room 30% Urgent Care 50% Preventive Care 50% Prescription Deductible (Individual / Family) Combined with medical Prescription Drugs Retail 50% Prescription Drugs Mail Order 50% 8

9 HEALTH SAVINGS ACCOUNT (HSA) For BCI is offering a Health Savings Account (HSA). This is how an HSA works: A health savings account (HSA) is a health care account and savings account in one. The main purpose of this account is to offset the cost of a qualifying high deductible health plan (HDHP) and provide savings for your out-of-pocket eligible health care expenses those you and your tax dependents may have now, in the future, and during your retirement. This is a portable account. You own your HSA! It s included in your employee benefits package, but after you set up your account, it s yours to keep, even if you change jobs or retire. Once your HSA is established, money is contributed to your account by you, BCI or friends and family, and you can then use your HSA dollars tax-free to pay for eligible health care expenses. You save money on expenses you re already paying for, like doctors office visits, prescription drugs, and much more. Best of all, you decide how and when to use your HSA dollars. Why is it a good idea to have an HSA? HSAs benefit everyone who is eligible to have this account single individuals, families, and soon-to-be retirees. You save money on taxes in three ways: Tax-free deposits The money you contribute to your HSA isn t taxed (up to the IRS annual limit). Tax-free earnings Your interest and any investment earnings grow tax-free. Tax-free withdrawals The money used toward eligible health care expenses isn t taxed now or in the future. Setting aside pre-tax dollars into your HSA means you pay fewer taxes and increase your take-home pay by your tax savings. You save money on eligible expenses that you are paying for out of your pocket. The amount you save depends on your tax bracket. For example, if you are in the 30 percent tax bracket, you can save $30 on every $100 spent on eligible health care expenses. HSA funds roll over from year to year and accumulate in your account. There is no use-it-or-lose-it rule with HSAs, and you decide how and when to use your HSA funds, which can be used for eligible expenses you have now, in the future, or during retirement. And when you have a certain balance in your HSA, investment opportunities are available. Refer to your HSA documentation for more information. 9

10 MEDICAL Key Terms to Remember Annual Deductible The amount you have to pay each year before the plan starts paying a portion of medical expenses. All family members expenses that count toward a health plan deductible accumulate together in the aggregate; however, each person also has a limit on their own individual accumulated expenses (the amount varies by plan). Out-of-Pocket Maximum This is the total amount you can pay out of pocket each calendar year before the plan pays 100 percent of covered expenses for the rest of the calendar year. Most expenses that meet provider network requirements count toward the annual outof-pocket maximum, including expenses paid to the annual deductible, copays and coinsurance. Copays and Coinsurance These expenses are your share of cost paid for covered health care services. Copays are a fixed dollar amount, and are usually due at the time you receive care. Coinsurance is your share of the allowed amount charged for a service, and is generally billed to you after you meet your deductible and when the health insurance company reconciles the bill with the provider. Plan Types POS/PPO Offers coverage from both in and out of a network of doctors, hospitals and other health care providers. EPO / HMO Plans that offer coverage on an in network basis only, except for emergency care. HDHP A plan that has higher annual deductibles in exchange for lower premiums. Often called an HSA. 10

11 UTILIZING PREVENTIVE CARE SERVICES Wellness & Health Management Understanding the full value of covered benefits allows you to take responsibility for maintaining good health and incorporating healthy habits into your lifestyle. Some examples include getting regular physical examinations, mammograms and immunizations. Through the plans offered by BCI, all covered individuals and family members are eligible to receive routine wellness services like these, at no cost; all copays, coinsurance, and deductibles are waived. Which Preventive Care Services Are Covered? The US Preventive Services Task Force maintains a regular list of recommended services that all Affordable Care Act (i.e. Health Care Reform) compliant insurance plans should cover at 100% for in-network providers. Below is a list of common services that are included in the plans offered this year: Routine Physical Exam Well Baby and Child Care Well Woman Visits Immunizations Routine Bone Density Test Routine Breast Exam Routine Gynecological Exam Screening for Gestational Diabetes Obesity Screening and Counseling Routine Digital Rectal Exam Routine Colonoscopy Routine Colorectal Cancer Screening Routine Prostate Test Routine Lab Procedures Routine Mammograms Routine Pap Smear Smoking Cessation Health Education/Counseling Services Health Counseling for STDs and HIV Testing for HPV and HIV Screening and Counseling for Domestic Violence 11

12 TELEMEDICINE HealthiestYou With HealthiestYou you can connect to a doctor, get treatment, and get prescriptions, 24 hours a day, 7 days a week over the phone or via the mobile app. Using HealthiestYou can save you tons of money and no more sitting around in waiting rooms. And best of all, there is $0 copay for their services. 12

13 EAP & Work-Life Services Humana Employee Assistance Program (EAP) An Employee Assistance Program (EAP) offers short-term counseling over the telephone to help you and members of your household manage everyday life issues. Professional counselors are available to assist you with: Everyday needs and life events Sleeping difficulties Weight control Loss of a loved one Emotional issues Eating disorders Relationship issues Workplace concerns Family relationships Smoking cessation Coping with a serious illness Work-Life Services Work-Life offers extensive assistance, information, and support to help you achieve a better balance between work, life, and family to help make your life easier. You can access information and self-search locators to find resources and providers that can help you with: Convenience services Adoption, pregnancy and infertility Housing options Adjusting to retirement Child care Locating services and care for older adults Financing college Pet care Home ownership Finding schools Caregiving from a distance Tutors and test prep Moving and relocation Child development Finding colleges and universities Recreational activities Services for children with special needs For free and confidential assistance, call or visit humana.com/eap 13

14 DENTAL COVERAGE Summary of Coverage HUMANA BUY UP PLAN TRADITIONAL PLUS PLAN FEATURES IN-NETWORK OUT-OF-NETWORK Annual Deductible (Individual / Family) $50 / $150 Annual Maximum $2,000 Preventive Care 100%; deductible waived 100%; deductible waived Basic Procedures (Extractions, fillings, etc.) 80% 80% Major Procedures (Crowns, dentures, etc.) 50% 50% Endodontic & Periodontics 80% 80% Orthodontia Child Only 50%; deductible waived 50%; deductible waived Orthodontia Lifetime Benefit $1,500 Waiting Periods None None UCR Limit N/A 90 th Percentile HUMANA BASE PLAN PREVENTIVE PLUS PLAN FEATURES IN-NETWORK OUT-OF-NETWORK Annual Deductible (Individual / Family) $50 / $150 Annual Maximum $1,000 Preventive Care 100%; deductible waived 100%; deductible waived Basic Procedures (Extractions, fillings, etc.) 50% 50% Major Procedures (Crowns, dentures, etc.) Not covered Not covered Endodontic & Periodontics Not covered Not covered Orthodontia Child Only Not covered Not covered Orthodontia Lifetime Benefit Not covered Not covered Waiting Periods None None UCR Out of Network Limit N/A 90 th Percentile 14

15 VISION COVERAGE Summary of Coverage HUMANA BUY UP PLAN - VISION 130 PLAN FEATURES IN-NETWORK OUT-OF-NETWORK Routine Vision Exam $10 copay Up to $30 Contact Lens Exam Up to $55 Not covered Standard Plastic Lenses Single Bifocal Trifocal Progressive $15 copay $15 copay $15 copay $15 copay Up to $25 Up to $40 Up to $60 Up to $100 Frames Up to $130 Up to $65 Elective Contact Lenses Up to $130 Up to $104 Medically Necessary Contact Lenses No charge Up to $200 Frequency (Months) Exam Lenses or Contact Lenses Frames Once every 12 months Once every 12 months Once every 24 months Once every 12 months Once every 12 months Once every 24 months HUMANA BASE PLAN EXAM PLUS PLAN FEATURES IN-NETWORK OUT-OF-NETWORK Routine Vision Exam $10 copay Up to $30 Contact Lens Exam Up to $55 Not covered Standard Plastic Lenses Single Bifocal Trifocal Progressive $50 copay $70 copay $105 copay 20% off retail Not covered Not covered Not covered Not covered Frames 35% off retail Not covered Elective Contact Lenses (conventional only) 15% off retail Not covered Medically Necessary Contact Lenses Not covered Not covered Frequency (Months) Exam Lenses or Contact Lenses Frames Once every 12 months Not covered Not covered Once every 12 months Not covered Not covered 15

16 LIFE / AD&D INSURANCE Summary of Coverage PLAN FEATURES BASIC LIFE Employee Benefit Amount $50,000 Maximum Benefit Amount $50,000 AD&D Benefit Same as Life Benefit Amount The following shows how much benefits are reduced at certain ages: Age Band Benefit Reduction 65 35% 70 60% 75 75% 80 85% 16

17 VOLUNTARY LIFE / AD&D INSURANCE Summary of Coverage PLAN FEATURES Employee Benefit Amount GUARDIAN VOLUNTARY LIFE Available in $10,000 increments between the minimum and maximum benefit amount. See plan documentation for more details. Minimum Benefit Amount $10,000 Maximum Benefit Amount $500,000 AD&D Benefit Spouse Benefit Same as Life Benefit Amount Spouse benefit amount may not exceed 50% of employee benefit amount Child Dependent Benefit Ages 14 days to 26 years 10% of Employee s volume to a maximum of $10,000 Employee Guaranteed Issue Amounts Spouse Guaranteed Issue Amounts Child Guaranteed Issue Amounts $100, $10, and up, evidence of insurability required for all amounts $25, and up $5,000 All amounts are approved The following shows how much benefits are reduced at certain ages: Age Band Benefit Reduction 65 35% 70 60% 75 75% 80 85% 17

18 DISABILITY INSURANCE: LONG TERM Summary of Coverage PLAN FEATURES GUARDIAN Employee Benefit Amount 60% of monthly earnings Maximum Benefit Amount $15,000 Guaranteed Issue Amount $10,000 Elimination Period 90 days Benefit Duration Social Security Normal Retirement Age 18

19 MEDICAL GAP COVERAGE SIS Benefit Connection If you were hospitalized today, how much do you think your out-of-pocket expenses would be? Your total expense, including deductible & coinsurance, could be as high as $6,000 or more! Benefit Connection is a low-cost program designed to help you pay for covered out-of-pocket expenses you may incur while you are either confined in a hospital or being treated as an out-patient for an injury or an illness. BCI has chosen two different plan designs to meet your needs. They both offer you and your dependents optimal offset of expenses due to high deductibles and high out-of-pocket maximums which are associated with Hospital Confinements and various Out-Patient Services. Some examples of expenses which could qualify for the offset include: Hospital confinement Inpatient surgeries Emergency room treatment for illness and injuries Diagnostic testing including but not limited to MRI s, CT scans and x-rays Outpatient radiation and chemotherapy Physical therapy and chiropractic care Durable medical equipment Unfortunately, the Medical Gap plans are not compatible with the HDHP option. Refer the BCI Employee Benefits Dashboard to learn more about this valuable benefit. 19

20 VOLUNTARY COVERAGE Colonial Life Accident Insurance You can t predict when or where an accident will strike. But you can make sure you have a safety net of financial protection to help if an accidental injury occurs. Accidents can happen anytime, anywhere at home or at work, on the playground or on the road. Some of the most common injuries include: Accidental injuries that send you to the ER, urgent care or a doctor s office Broken bones Burns Back or knee injuries Concussions Lacerations Accident Insurance helps you fill some of the gaps caused by increasing deductibles, co-payments and out-ofpocket costs related to an accidental injury. With this coverage you may not need to use your savings or secure a loan to help pay those unexpected out-of-pocket expenses associated with a covered accident Critical Illness & Specified Disease Insurance Even those of us who plan for the unexpected with life, disability and health insurance may discover that some expenses can still remain unpaid. Without adequate protection, suffers of critical illness might have to pull from their savings or rely on other financial sources in their time of need. With Colonial Life s Specified Critical Illness Insurance, you re paid a benefit that can help you cover: Deductibles, co-pays and co-insurance of your health insurance Home health care needs and household modifications Travel expenses to and from treatment centers Lost income Rehabilitation Child care expenses Everyday living expenses You re free to use the benefit however you choose. And coverage is available for you and your eligible family members. This coverage is compatible with a Health Savings Account (HSA). Covered Specified Critical Illnesses include: Cancer Heart Attack Stroke Major Organ Failure End Stage Renal (Kidney) Failure Permanent Paralysis due to Covered Accident Coma Blindness 20

21 GROUP LEGAL COVERAGE LegalShield For as little as $20 a month, LegalShield gives you the ability to talk to an attorney on any personal matter without worrying about high hourly costs. That s why, under the protection of LegalShield, you and your family can live your lives worry free. Some of the services you will receive for personal legal matters include the following: Advice on an unlimited number of topics Letters and phone calls on your behalf Legal document review, up to 15 pages each Will preparation Trial defense hours Video Law library Forms service center Even better, you don t have to worry about figuring out which attorney to use they ll do that for you. Their experienced attorneys focus specifically on members and provide 24/7 access for covered emergencies Learn more about the LegalShield Legal Plan at 21

22 IDENTITY THEFT LegalShield Our identity is personal. Keep it that way. Identity theft affects millions of Americans each year. And while it can take just a minutes to you, recovering from the financial damage and emotional toll it inflicts often takes years. Victims of identity theft can face issues such as lost job opportunities, problems with securing a loan, harassment from debt collectors, or even possible arrest for crimes committed by the identity thief. To avoid these issues the LegalShield Identity Theft Plan equips you with the information and expertise you need to help prevent theft and resolve issues related to identity theft. Benefits include: Credit Report and Personal Credit Score Continuous Monitoring with Safety Alerts Identity Consultation and Restoration Services For more information regarding LegalShield s Identity Theft Plan, visit 22

23 VALUE OF PRE-TAX BENEFITS Section 125 Plan BCI operates a Premium Only Section 125 Plan, which allows you to reduce your total taxable income by your portion of group insurance premiums. In effect, this is just like getting a raise - your withholding taxes are reduced, and your take-home pay increases! EXAMPLE: EMPLOYEE EARNING $30,000 ANNUALLY, PAYING $200/MONTH FOR BENEFITS WITHOUT PRE-TAX BENEFITS WITH PRE-TAX BENEFITS Gross Pay $30,000 $30,000 Insurance Deductions/Payments $0 $2,400 Taxable Income $30,000 $27,600 Taxes at 25% $7,500 $6,900 After-Tax Income $22,500 $20,700 After-Tax Payment for Benefits $2,400 $0 Take-home Pay $20,100 $20,700 INCREASE IN TAKE-HOME PAY +$600 23

24 MEDICAL PREMIUM SUMMARY Effective 10/1/17 The table below illustrates the semi-monthly cost to you & your dependents for each plan option. PLAN NAME Medical Buy Up Plan Simplicity PREMIUM SUMMARY FOR PRODUCERS TOTAL PREMIUM SEMI-MONTHLY PAYROLL DEDUCTION Employee $ $ Employee & Child $ $ Employee & Spouse $1, $ Employee & Family $1, $ Medical Base Plan 50/50 $2000 Employee $ $ Employee & Child $ $ Employee & Spouse $ $ Employee & Family $1, $ Medical H.S.A. 70/50 $4500 HDHP Employee $ $ Employee & Child $ $ Employee & Spouse $ $ Employee & Family $1, $

25 ANCILLARY PREMIUM SUMMARY Effective 10/1/17 The table below illustrates the semi-monthly cost to you & your dependents for each plan option. PLAN NAME Employee Assistance Program (EAP) HealthiestYou PREMIUM SUMMARY FOR PRODUCERS EMPLOYEE No charge No charge EMPLOYEE & CHILD(REN) EMPLOYEE & SPOUSE EMPLOYEE & FAMILY Dental Buy Up Plan Traditional Plus $19.39 $41.35 $43.79 $66.47 Dental Base Plan Preventive Plus $9.13 $23.28 $20.28 $36.43 Vision Buy Up Vision 130 $3.85 $7.32 $7.70 $11.50 Vision Base Plan Exam Plus $1.24 $2.36 $2.48 $3.70 Basic Life and AD&D $0.13 per $1000 Long Term Disability Colonial Accident & Critical Illness $0.27 per $100 payroll Prepaid Legal $7.98 Identity Theft $4.98 Medical GAP Plan Option 1 Medical GAP Plan Option 2 Refer to the BCI Employee Benefits Dashboard Refer to the BCI Employee Benefits Dashboard Refer to the BCI Employee Benefits Dashboard 25

26 VOLUNTARY LIFE AND AD&D PREMIUM SUMMARY Effective 10/1/17 The table below illustrations the monthly rates for you and your dependents for Voluntary Life coverage by age bracket. VOLUNTARY LIFE & AD&D RATES PER $1000 PER MONTH AGE BRACKET EMPLOYEE SPOUSE ( ) $0.11 $0.11 ( ) $0.12 $0.12 ( ) $0.15 $0.15 ( ) $0.20 $0.20 ( ) $0.28 $0.28 ( ) $0.38 $0.38 ( ) $0.59 $0.59 ( ) $0.88 $0.88 ( ) $1.32 $1.32 ( ) $2.05 $2.05 ( ) $3.62 $3.62 ( ) $7.48 $7.48 ( ) $12.39 $12.39 ( ) $19.72 $19.72 ( ) $30.51 $30.51 VOLUNTARY DEPENDENT CHILD(REN) LIFE AND AD&D Rate per family for all covered children: $0.21 per $

27 ONLINE ENROLLMENT OVERVIEW Online Enrollment Instructions Manage your annual open enrollment through MyPay Keeping Your Benefits Up To Date Manage your life events and changes through MyPay / Benefits tab. 27

28 CONTACT INFORMATION CARRIER NAME WEBSITE GROUP # MEMBER SERVICES Humana Medical humana.com Humana Dental humana.com Humana Vision humana.com Humana EAP humana.com/eap HealthiestYou member.healthiestyou.com HY Guardian Life, STD & LTD guardiananytime.com Colonial Life E LegalShield Prepaid Legal legalshield.com/info/legalplan LegalShield Identity Theft legalshield.com/info/idtmn Special Insurance Services (SIS) Principal

29 BCI Benefits Open Enrollment Booklet