CIBT 2012 Open Enrollment

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1 CIBT Open Enrollment Open Enrollment is from November 21, 2011 to December 9, CIBT's Role Just as your life changes, so do your benefit needs. Don t miss your once-a-year opportunity to make new benefit elections for you and your family. planning your benefit package at CIBT. CIBT is a relationship-based organization, and we consider people our most vital resource. We value you as employees and realize we are all people first. We re committed to providing you with comprehensive benefits and programs. We hope you find this enrollment guide helpful in IN ADDITION, WE HAVE PROVIDED A COMPREHENSIVE SOURCE OF INFORMATION ABOUT ALL OF THE BENEFIT PLANS WE PROVIDE ON OUR NEW BENEFITS PORTAL LOCATED AT Your Role Part of your responsibility is to be a good consumer of benefits particularly your health care benefits, because they can have the greatest impact on your pocketbook. That means using benefits wisely and managing your expenses carefully. CIBT provides you with education, tools and resources to help you understand what benefits are available and how you can get the most from them. It is up to you to use these resources. When you make an effort to live healthy and use your benefits well, you can help manage your costs and strengthen the company s ability to continue to offer competitive benefit plans now and in the future Your Touchpoints, LLC / Patent Pending Touchpoints Powered Powered by KainosbyPartners, Inc.

2 CIBT Benefit over view If you need more details, log on to our benefits portal at or contact Amy Callan at or Benefit Plan(1/1/) Plan Changes Questions to Ask Before You Enroll Medical and Prescription Drug Provides medical and prescription drug coverage to you and your covered dependents. Coverage will still be provided in by United Healthcare Does your spouse have health care coverage (UHC). through his or her employer or as a retiree? You will still be offered a PPO plan utilizing the UHC Network. Have your (or your family s) health care needs There are a few small plan changes for as follows: changed in the past year? Are you anticipating any - The Out of Network deductible is increasing from $750 to major medical expenses for you or a covered family $1,000 for Individual and from $1,500 to $2,000 for a family. member? - The Out of Network out of pocket maximum is increasing from Are you willing to use in-network providers to $5,000 to $7,000 for an individual and from $10,000 to $14,000 for save money? Is your primary doctor in the a family. network? - The office visit copay for a Primary Care Physician is increasing from $15 to $20. - The office visit copay for a Specialist Physician is increasing Keep in mind from $15 to $30. Asking for a generic alternative when your doctor prescribes a brand-name drug will save you money. Other plan benefits that are the same: If there is not a generic alternative, be sure your In Network Deductible: $500 Individual/$1,000 Family. prescription is on the formulary or preferred list. In Network out of pocket maximum: $2,500 Individual/$5,000 If you take maintenance medications for ongoing Family. conditions like allergies, high cholesterol or birth Emergency Room copay: $100 control, use the mail order service to save time and Urgent Care copay: $50 money. Retail/Mail Order Rx copays: - Tier 1 $10.00 / $ Tier 2 $25.00 / $ Tier 3 $50.00 / $ For even more info, visit mycibtbenefits.com. Vision Provides vision coverage for regular eye exams, lenses and frames for you and your covered dependents. No changes. This benefit is included ONLY for those who How many people in your family will take enroll in the medical plan through United Healthcare (UHC). advantage of vision benefits? Features of the plan (in-network): - Eye Exam: $10 copay; once every 12 months. Which would work best for you considering that - Materials: $25 copay. Covers frames and/or spectacle lenses; or you must have medical coverage to receive vision contact lenses in lieu of spectacle frames and/or lenses. coverage? Would paying vision expenses through - Pair of lenses: All patient options are available at UHC s preferred the Health Care FSA make more sense for you price. and/or your dependents? - Frames: Other than copay, all covered-in-full frames are fully covered. Outside the covered-in-full selection, you will receive a $50 wholesale frame allowance at our private practice providers; and a $120 retail frame allowance at our retail chain providers. - Contact Lenses: * Covered-in-full - includes four boxes (12 pairs) of disposable lenses (within the selection) and are included when obtained from a network provider. Covered-in-full contact lense benefit includes evaluation/fitting fees, contacts and follow-up service. * Contact lenses outside of covered-in-full selection have a $105 allowance. 2

3 Benefit Plan(1/1/) Plan Changes Questions to Ask Before You Enroll Dental Provides dental coverage for preventive, basic and major services for you and your covered dependents. Health Care and Dependent Care Flexible Spending Account CIBT provides you a way to save money on a before-tax basis for eligible out-of pocket health care (for you and any dependent you claim for tax purposes). Eligible health care expenses include most medical, dental and vision expenses that plans do not cover. See Paychex website or (Publication 502) for a list of eligible expenses. Generally, eligible dependent care expenses include day care for dependents that allows you to work. See Paychex website or (Publication 503) for eligible dependent care expenses Retirement and Savings Plan (401(k)) Allows you to save money that is tax-deferred and receive a company matching contribution on a percentage of your contribution. No changes. Coverage will continue to be provided by Aetna for both the PPO and the DMO plans. How many people in your family will take Premiums will be increasing by 5%. advantage of dental benefits? DMO plan summary: - No deductible for an individual or family. Do you expect to have major dental work done? - Preventive services are covered at 100%, Basic services are covered at 80%, Major services are covered at 50%. Do you or your dependents need braces? - No deductible for an individual or family. - No annual benefit maximum. Which would work best for you enrolling for - $5 Office Visit Copay dental coverage, paying dental expenses through - Orthodontic Services provided only for children under age 20 after a the Health Care FSA or a combination of the two? $2,000 copay. PPO plan summary: - Calendar year deductible is $50 for an individual and $150 for a family. - Preventive services are covered at 100%, Basic services are covered at 80%, Major services are covered at 50%. - Calendar year maximum for Preventive Care, Basic, and Major services is $1, Orthodontic Services are covered at 50% with a maximum lifetime benefit of $1,000 and only for children under age 20. CIBT offers employees who work a minimum of 20 hours per week Health Care FSA: the opportunity to take advantage of Flexible Spending Account (Section 125) Plan: How much do you expect to pay for medical, prescription, dental, or vision expenses out of your - Medical FSA (MFSA) - Employees can pay for Qualifying Medical own pocket? Add up your expected deductibles, Expenses on a pre-tax basis. and consider how much you spent this year. - Dependent Care FSA (DFSA) - Employees can pay for Qualifying Dependent Care Expenses on a pre-tax basis. Do you have predictable, non-covered health care costs that the plan does not cover? You can join either the medical FSA, the dependent care FSA or both after the 90 day introductory period. Do you expect any major health care expenses The maximum amount of contribution is: $2,500 MFSA and $5,000 that may exceed plan limits? DFSA For dependent care expenses, a hard copy of receipts with a claim How often do you typically visit the doctor in a form must be submitted. year? How many prescriptions do you typically get? A debit card that can be used for eligible expenses and will be issued if enrolled in the medical FSA. To enroll or make changes, register and complete the enrollment process at: Dependent Care FSA: REMEMBER: YOUR 2011 ELECTION WILL ROLL OVER TO UNLESS YOU MAKE A CHANGE! No changes. The CIBT plan continues to be provided by Principal. You are eligible to participate in the plan after reaching age 21 and 6 months of service. Once eligible, you are allowed to contribute up to $17,000 ( annual limit) and an additional $5,500 if you are 50 or older. You will receive a match of 50% of your contribution up to a maximum 3% contribution from CIBT. For more information, log on to or visit the CIBT benefits website at Do you use dependent care for your children (under age 13) or other dependent relatives so that you (or you and your spouse, if married) can work? You can also use the Dependent Care FSA if the care is needed because you work full-time and your spouse is a full-time student. You do not need to take action during Open Enrollment. But, as long as you are thinking about your benefits, take a look at your savings plan contributions. Are you contributing enough to maximize the company matching contribution? Does your contribution amount match your savings goals? 3

4 PREMIUMS The following chart shows the per pay period amounts you will pay for coverage under each plan for. Per Pay Period Rates Medical Dental UHC PPO Plan Aetna PPO Aetna DMO $23.54 $9.32 $46.22 $17.64 $52.11 $20.35 $74.80 $28.67 Employee Only $20.00 Employee plus Spouse $ Employee plus Child(ren) $ Employee plus Family 4 $463.67

5 HEALTHCARE COSTS Can Drain You Use these tips to keep more money in your pocket. Health care costs can be one of the greatest strains on our budgets. Because health insurance is too important to go without, we need to find ways to make the most of the benefits, while managing how much money we spend when we use them. Here are five ways you can save money without sacrificing health care coverage. Before you enroll in your benefits, think about how you've used your benefits in the past. Are you adding new dependents this year? Do you have a surgery or other procedure planned? Were you recently diagnosed with a chronic illness? Think about anything that could affect the plan or coverage level you choose, and make sure your benefits reflect any changes that have occurred in your life. Remember, you can only change your benefits during the year if you have a life event such as a marriage, divorce or birth of a child. Actively manage your prescription drug expenses. If an over-the-counter medication is available, use it! And if your doctor prescribes you a brand-name drug, ask for a generic instead. If a generic is not available, ask for a brand-name drug that is on your formulary or preferred list (if available). When your doctor's office is closed and you need care, go to an urgent care clinic. Urgent care clinics are a great alternative when you need care but your doctor's office is closed. Urgent care clinics are usually cheaper than the Emergency Room (ER) plus, the ER should only be used in a true emergency. If you go to the ER in a non-emergency situation, you may have to wait a long time and you could be using resources that are needed for a true emergency. Stay in the network. Think of it like an exclusive club. When you use doctors and hospitals that are in your plan's network, you will pay less. Providers are only invited to the network if they meet certain quality standards, and they've agreed to charge lower rates to members. Take advantage of preventive care benefits, like annual physicals! Preventive care and health screenings are typically free when you use a network doctor. Even if you don't make it to the doctor but once a year, try to use the same doctor. When you get an annual physical, your doctor can compare your results from previous years to see if anything has changed, or to look for trends that could mean you're at risk for a disease or illness. Taking preventive action can help delay or prevent the onset of disease and gives you and your doctor the chance to FLEX YOUR DOLLARS Flexible Spending Accounts Help You Pay Less, Get More Would you like to spend 30% - 40% less on all of your health care expenses? As you prepare to enroll, you may be thinking you can't afford another deduction from your paycheck. Take a closer look Flexible Spending Accounts may be a deduction you can't afford to miss! Flexible Spending Accounts (FSAs) sometimes called Reimbursement Accounts allow you to contribute a percentage of your paycheck to a special account before taxes are applied to your pay. Then, you use this un-taxed money to reimburse yourself for eligible expenses. There are two types: a Health Care FSA for health-related expenses, and a Dependent Care FSA for day care expenses that you incur while you're at work. Here, we focus on Health Care FSAs. How does it work? The Health Care FSA can bridge the gap between what your health plans pay and what you pay by applying your pre-tax contributions to eligible expenses. Your savings equal the amount of money you would have paid in taxes (usually 30% - 40% depending on your tax bracket). Keep in mind: You must use all the money you contribute to an FSA during the plan year for which you made the contribution. Money left in your account after the claim deadline will be forfeited you don't get it back, and it doesn't roll over. This is an IRS rule, often called the "use it or lose it" feature. This simply means you should carefully consider how much you contribute. Be sure you contribute enough to get the benefit, but do not contribute so much that you have a significant amount of money left over. An easy way to estimate the right amount is to review your family's medical, vision and dental bills from this year...and use the questions in the Benefit Overview to help you consider what expenses you may have for next year. What expenses are eligible? You can use your Health Care FSA to pay for health-related expenses like office visit copays, glasses and contacts (not covered by your vision plan), contact lens solution, hearing aids, chiropractic visits, and more! Go to and search for Publication 502 for a complete list. How much is enough? 5

6 Prepare to EN ROL L in FOU R E A SY ST EPS Review this information as you think about your benefit options and prepare to enroll. Step 1: Are you eligible? Before you enroll, please check to be sure you and any dependent(s) you are enrolling are eligible. Here are the eligibility requirements: Employee: A full-time employee working at least 30 hours per week. Your Spouse: Must be your legal spouse or a common law spouse or a spouse from a legally recognized marriage. Your Child(ren): Your child(ren) must be under age 26. Step 2: Consider your options. Review the information in this guide so that you will understand the changes for, your options and the associated costs. Think about which benefit plan options make sense for you and your family and will best meet your needs for the upcoming year. Take the time to review and update your beneficiaries to make sure your loved ones receive the benefits they deserve. If you have additional questions about your benefit plan options and/of how to complete the enrollment form, contact Amy Callan at or amy.callan@cibt.com. Step 3: Complete your enrollment. IMPORTANT! Complete the enrollment form ONLY if: - You are adding or deleting medical and/or dental coverage for yourself. - You are adding or deleting medical and/or dental coverage for one or more of your dependents. - You are switching your dental coverage from PPO to DMO or vice versa. ** YOUR CURRENT MEDICAL AND/OR DENTAL ELECTIONS WILL AUTOMATICALLY ROLL OVER IF YOU DO NOTHING! ** You MUST enroll in or make changes to your Flexible Spending Account deduction ONLINE at Step 4: Return the form. FAX the completed and signed enrollment form to Amy Callan at: Forms must be received by 12/9/2011. Upon receipt of your form, Amy Callan will send you the following: - A confirmation of receipt of your form and - A confirmation of per pay period deduction changes due to changing coverage elections, if applicable. PLEASE NOTE: Each employee enrolling in the health plan with United Healthcare will receive NEW ID CARDS and they will be sent to you directly to your home. PLEASE REPORT ANY ADDRESS CHANGES TO AMY CALLAN AS SOON AS POSSIBLE TO AVOID ANY DELAY IN GETTING YOUR ID CARDS! REMEMBER THAT YOU CAN REVIEW ALL OF YOUR BENEFIT PLANS ON YOUR BENEFITS PORTAL AT: 6

7 Keep these things in mind as you have changes in your life. If you have a qualified family status change The choices you make during Open Enrollment remain in effect until December 31,. You cannot change coverage for yourself, or add or drop dependents during the year, unless you have a qualified family status change. If you need to make changes to your or any of your dependents benefits throughout the year, you must do so within 31 days of the event. You can make changes by contacting our HR Representative. Examples of qualified family status changes that allow you to change some of your benefits during the year include: Marriage or divorce. Death of your dependent child or spouse. Change in you or your spouse s employment status that results in loss or gain of coverage. Birth, adoption, or change in the custody of your child. RESOURCES For You Information regarding each benefit plan offered by CIBT can be found by reviewing your online benefits portal at Benefit Provider Phone Number Website/ All CIBT Benefits Amy Callan amy.callan@cibt.com Medical United Healthcare Vision United Healthcare Dental Aetna (k) Retirement Plan Principal