2017 NEW HIRE BENEFIT GUIDE

Transcription

1 2017 NEW HIRE BENEFIT GUIDE

2 Welcome to The MAPP Group, LLC The MAPP Group, LLC knows how important it is to provide quality employee benefits to our employees and their dependents. We always strive to provide a total benefits package that meets your needs as well as the needs of the company. The following plans are available first of the month following 60 days from date of hire for hourly employees and first of the month following 30 days for salary employees: Medical Dental Vision Flexible Spending Account Health Savings Account Voluntary Short-Term Disability Voluntary Life The first 30 days of employment is YOUR initial enrollment period for these benefits. Within 30 days of your hire date, you MUST contact Brandi Guzzardo with BancorpSouth Insurance Services Call Center at to enroll or waive your benefits. At other times during the year, you may request changes ONLY when there is a Family Status Change, and the proposed change is consistent with the Family Status Change event. Family Status Changes include: Change in legal marital status (e.g., marriage or divorce); Change in the number of dependents (e.g., birth, adoption or placement for adoption, death); Change in employment status or residency of the employee, spouse or dependent that affects eligibility; Change in coverage under another employer s plan. Changes, additions or voluntary cancellations generally cannot be made during the plan year unless the employee experiences a Family Status Change. The employee MUST contact BancorpSouth Insurance Services Call Center and ask for Marylea Fears at , otherwise the employee must wait until the annual enrollment period held in January for an effective date of 2/1/18 to change or cancel an election. BancorpSouth Insurance Services, Inc

3 Medical Plan The MAPP Group, LLC offers two Medical Plans administered by United Healthcare. UHC Copay Plan UHC HDHP Plan Benefits In-Network Benefit Out-Network Benefit In-Network Benefit Out-Network Benefit Deductible Individual Family $1,500 $3,000 $3,000 $6,000 $3,000 $6,000 $6,000 $12,000 Coinsurance 80% 60% 80% 60% Out-of-Pocket Maximum Individual Family $4,000 $8,000 $8,000 $16,000 $4,000 $8,000 $8,000 $16,000 Lifetime Maximum Unlimited Unlimited Office Visit Primary Specialist $25 Co-pay $45 Co-pay 60% after deductible 60% after deductible 80% after deductible 80% after deductible 60% after deductible 60% after deductible Urgent Care $75 Co-pay 60% after deductible 80% after deductible 60% after deductible Emergency Room $350 Co-pay 80% after deductible 60% after deductible Inpatient Services 80% after deductible 60% after deductible 80% after deductible 60% after deductible Outpatient Surgery 80% after deductible 60% after deductible 80% after deductible 60% after deductible Prescription Drug Coverage Tier 1 Tier 2 Tier 3 $10 co-pay $35 co-pay $60 co-pay Medical Plan Cost $10 Co-pay after deductible $35 Co-pay after deductible $60 Co-pay after deductible The MAPP Group, LLC will contribute toward the employee and the dependent premium for the Medical Plan. ELECTION Copay Plan Weekly Deduction 2/1/2017 to 1/31/2018 HDHP Plan Weekly Deduction 2/1/2017 to 1/31/2018 Employee Only $35.00 $35.00 Employee / Spouse $ $ Employee / Child(ren) $ $ Family $ $ BancorpSouth Insurance Services, Inc

4 Health Savings Account A Health Savings Account, or HSA, can be a valuable tool to help you save money for medical expenses for you and your family. An HSA is a tax-exempt account that can be used to pay or reimburse certain medical expenses you incur. Employees who choose to participate in the HDHP (High Deductible Health Plan) may also open a Health Savings Account (HSA). The MAPP Group, LLC will contribute to your HSA account to offset the high deductible plan. Please see MAPP contributions below. Health Savings Account Dollars will be accessible via an HSA debit card. The HSA debit card can be used for qualified medical, dental, and vision expenses as defined by the Internal Revenue Service Publication 502 (You may reference for the complete list). The HSA plan will be administered by Optum Bank. HSA monies are exempt from federal income taxes and may be exempt from State income taxes as well. They belong to the employee and can be rolled over to subsequent years. HSA funds may also be invested in the same type of funds as IRA s and 401(k) s. Important Notes: If you or your spouse participate in a health FSA or an HRA that pays or reimburses qualified medical expenses before the minimum annual HDHP deductible has been satisfied, you are not eligible to participate in an HSA. If you are enrolled in another plan that is a non-high Deductible Health Plan, including Medicare, you are not eligible to participate in an HSA. **NOTE: The maximum amount of money that can be deposited in 2017 for single HDHP coverage is $3,400 and $6,750 for family HDHP coverage. Individuals 55 or older may make additional catch up contributions. For 2017, the maximum catch up contribution is $1,000 per account holder. MAPP HSA Employee Only Employee / Spouse Employee / Child(ren) Employee / Family MAPP Weekly $35.00 $52.50 $47.50 $67.50 MAPP 2017 $1, $2, $2, $3, Employee Maximum Weekly $35.83 $88.12 $93.12 $73.12 Employee 2017 Annual $1, $4, $4, $3, How to Open your HSA Account: It only takes minutes to enroll in a health savings account (HSA) from Optum Bank, Member FDIC. 1. Go to optumbank.com and select Open an HSA. 2. Read through the page to confirm your eligibility and select Continue. 3. Complete your online enrollment. What you ll need Your Social Security number Your primary address An identification number from another form of ID, such as your driver s license, state-issued identification or passport Be on the lookout When enrolling, you can choose to receive your welcome kit electronically or by mail. You will also receive a health savings account Debit Master Card by mail within ten days in an unmarked envelope. If you need extra debit cards If you have family coverage, you can order extra debit cards for your spouse and dependents on your plan when enrolling in your account. You ll need each cardholder s name, Social Security number and date of birth. BancorpSouth Insurance Services, Inc

5 Dental Plan The MAPP Group, LLC offers a Dental Plan through AlwaysCare. Benefits Deductible (per Calendar Year) Applies to basic & major services only Preventive Services Exams, Cleanings, x-rays Basic Services Fillings, extractions, repairs Major Services Root canals, crowns, dentures, bridges, periodontics Benefit Description $50 per person Maximum 3 per family 100% coverage (deductible waived) 80% coverage after deductible 50% coverage after deductible Orthodontics: $500 Annual Max / $1,000 Lifetime Maximum 50% coverage after deductible Annual Maximum $1,250 per calendar year per individual **LATE Entrants: Employees that waived coverage at initial enrollment or in the new employee eligibility period will have a twelve (12) month waiting period for basic, major and orthodontic services upon reapplying. Employee pays the entire Dental Plan premium. Dental Insurance Cost ELECTION Weekly Deduction 2/1/2017 to 1/31/2018 Employee Only $5.97 Employee Family $18.62 Dental Carryover Benefit How It Works: If an Insured has a routine check up and submits Qualifying Claims for Covered Expenses during a benefit year and, in that benefit year, receives benefits that are less than their group s Threshold Limit, the Insured will be credited a Carryover Benefit. Carryover Benefits will be accrued and stored in the Insured s Carryover Account to be used in the next benefit year. If, in the next benefit year, an Insured reaches his or her Policy Year Maximum Benefit, AlwaysCare will pay a benefit from the Insured s Carryover Account up to the amount stored in the Insured s Carryover Account. The accrued Carryover Benefits stored in the Carryover Account may not be greater than the Carryover Account Maximum. Threshold Limit Carryover Account Amount Carryover Account Maximum $600 $300 $1,200 BancorpSouth Insurance Services, Inc

6 Vision Plan The MAPP Group, LLC offers a Vision Plan through AlwaysCare. Vision Care Services In-Network (Other Participating Providers See Brochure for list of Providers) Out-of-Network Co-Pays: Exam Materials Standard Plastic Lenses: Single Vision Bifocal Trifocal Lenticular Progressive $10 Co-pay $25 Co-pay Covered by co-pay Covered by co-pay Covered by co-pay $80 allowance $70 allowance Once every 12 months Once every 12 months Up to $35 Up to $25 Up to $40 Up to $50 Up to $50 Up to $40 Frames: Contact Lenses: (Includes fit and materials) Up to $120 retail allowance ($94 at Wal-Mart, Sam s Club, Costco) Once every 12 months Up to $50 retail Once every 12 months Contact lenses may be purchased in lieu of frames & eyeglass lenses. Elective Medically Necessary Up to $120 retail Up to $210 retail Vision Plan Cost Up to $100 retail Up to $210 retail Employee pays the entire Vision Plan premium. ELECTION Weekly Deduction 2/1/2017 to 1/31/2018 Employee Only $1.37 Employee / Spouse $2.73 Employee / Child(ren) $2.89 Family $4.53 BancorpSouth Insurance Services, Inc

7 Section 125 Plan Premium Conversion Plan (Section 125 Plan) Any employee who has health, dental, or vision insurance through The MAPP Group, LLC who has a premium deducted from their pay, can have their insurance premiums paid through our Premium Conversion Plan. As allowed by the IRS Code- Section 125, this benefit allows you to pay your payroll deducted insurance premiums with pre-tax dollars. All eligible employees of The MAPP Group, LLC are able to participate in the Premium Conversion Plan. As a plan participant, the employee s share of the health, dental, and vision premiums will be paid on a pre-tax basis through salary reduction. Under the Plan, once an election is made that election will continue unless a change in election is made due to a Family Status Change, annual enrollment, or termination of employment. Flexible Spending Account The MAPP Group, LLC offers you the opportunity to pay for out-of-pocket medical, dental, and dependent care expenses with pre-tax dollars through the Flexible Spending Account. The plan will be administered by UnitedHealthcare. This benefit is regulated by the Internal Revenue Service and consists of three parts to help you pay your premiums and out-of-pocket health and dependent care expenses with pre-tax dollars, which lowers your tax liability. The Cafeteria Plan Year is from February 1, 2017 to January 31, You will be required to make a new election every year during Annual Enrollment. Employees are unable to enroll / change at any other time during the year unless a qualifying event occurs. A. Medical Reimbursement: The Internal Revenue Service will allow you to "set aside" money from your paycheck BEFORE taxes to "reimburse yourself" for certain items not typically covered under your health, dental or vision insurance. This results in a TAX SAVINGS to you! Examples of things that you can claim for reimbursement include: Medical and drug deductibles and coinsurance, contacts or eyeglasses, hearing aids, dental expenses (whether you have dental insurance or not), etc. The maximum allowed for 2017 is $2,600. B. Dependent Care Expense: The Internal Revenue Service allows you to set aside money BEFORE taxes to reimburse yourself for Dependent Care Expenses each plan year up to a maximum of $5,000, if your tax filing status is Single or Married Filing Jointly. You may elect up to $2,500 if Tax Filing Status is Married Filing Separate. Again, this results in a TAX SAVINGS to you!!! IMPORTANT TO REMEMBER Any monies placed in the Medical Reimbursement Account or Dependent Care Account not spent within the plan year are forfeited Use it or Lose it. Should your employment terminate during the year, you have 30 days from your term date to file claims for eligible expenses received prior to your term date. Due to the Patient Protection and Affordable Care Act, employee will NOT be able to receive pre-tax reimbursements from their FSA for non-prescribed over-the-counter medications. OTC drugs, medicine and biologicals will be eligible for reimbursement only if the request is accompanied by a doctor s prescription. This means items such as cough medicine, pain relievers, acid controllers, to name a few, will no longer be reimbursed unless there is a doctor s prescription submitted along with the reimbursement request. Please contact your FSA administrator for more details. BancorpSouth Insurance Services, Inc

8 Basic Life & AD&D Plan The MAPP Group, LLC provides full-time eligible employees with $10,000 Life and Accidental Death & Dismemberment Insurance. This policy is offered through UNUM and is 100% employer-paid. You will want to keep your Beneficiary information current at all times. Benefits reduce 65% of original amount at age 70 and 50% of original amount at age 75. Voluntary Term Life Plan All full-time employees can purchase Voluntary Life and Accidental Death & Dismemberment (AD&D) coverage in increments of $10,000 to a maximum of 5 times salary or $500,000. You are guaranteed $110,000 of Life & AD&D without answering medical questions if you enroll during this initial eligibility period. This benefit is provided through UNUM and is 100% Employee paid. When you elect Voluntary Term Life coverage for yourself, you can also purchase Life coverage, which does not include AD&D, for your spouse in increments of $5,000 up to employee coverage amount or maximum of $500,000. Your spouse is guaranteed $25,000 of Life without medical questions if you enroll during this initial eligibility period. When you elect Voluntary Term Life coverage for yourself, you can also elect child Life coverage, which does not include AD&D, for children ages 14 days to 6 months in the amount of $1,000 and for child(ren) ages 6 months to 26 years in the amount of $10,000. Your children are guaranteed $10,000 of Life without medical questions if you enroll during this initial eligibility period. Weekly Voluntary Term Life Cost- 100% Employee Paid per $1,000 of Life Coverage Age Employee Cost Spouse Cost $.027 $.030 $.033 $.041 $.053 $.076 $.113 $.166 $.252 $.427 $.751 $1.458 $.014 $.016 $.021 $.030 $.043 $.068 $.106 $.162 $.277 $.474 $.844 $1.691 *** The child(ren) weekly cost for $10,000 in coverage is $0.280 NOTE: Employee and Spouse rate is based on employee s age as of 2/1/17. Voluntary Life Premium Calculation Formula: $ 1,000 x = $ VTL Coverage Amount Rate see above table Weekly Cost BancorpSouth Insurance Services, Inc

9 Voluntary Short-Term Disability Plan MAPP Construction provides full-time employees an opportunity to purchase Short-Term Disability coverage through UNUM. In the event you become disabled as a result of a non-work related accident or illness, tax-free Disability Income Insurance benefits are provided as a source of income. You are not eligible to receive Short-Term Disability benefits if you are eligible to receive workers compensation benefits. Elimination Period Benefits Period Percentage of Income Replaced Short-Term Disability 7 days Maximum Benefit $1,500 Up to 12 weeks 60% of weekly salary Weekly Short-Term Disability Cost - 100% Employee Paid Age < Cost $0.090 $0.106 $0.138 $0.175 $0.217 $0.231 NOTE: Rate is based on employee s age as of 2/1/17. Premium Calculation Formula: 52 = x.60 = 10 = x = $ Annual Base Weekly Weekly Benefit Weekly Rate Your Weekly Salary Salary max = $1,500 (above table) Premium Employee Assistance Program (EAP) UNUM provides EAP assistance at no cost to you called Work-life balance EAP. They can help you find solutions for the everyday challenges of work and home as well as for more serious issues involving emotional and physical well-being. This includes: Childcare and/or eldercare referrals, personal relationship information, health information and online tools, legal consultations with licensed attorneys, financial planning assistance, stress management & career development. They offer telephone consultations, face-to-face meetings and educational materials. For more details, contact UNUM or the BancorpSouth Insurance Services Call Center at for Marylea Fears. BancorpSouth Insurance Services, Inc

10 REMINDERS Employees are responsible for notifying BancorpSouth Insurance Services if a dependent is no longer eligible for coverage. Failure to notify BancorpSouth Insurance Services will affect COBRA availability and premium refunds. From time to time other coverage information and accident details may be requested by the carriers please respond promptly to expedite processing of claims. Questions & Answers WHAT DO YOU NEED TO DO DURING YOUR INITIAL ENROLLMENT PERIOD? Please contact Brandi Guzzardo with BancorpSouth Insurance Services Call Center at NOTE: After this Initial Enrollment Period, you cannot make changes to your coverage during the year unless you experience a change in family status, such as: Loss or gain of coverage through your spouse Loss of eligibility of a covered dependent Death of your covered spouse or child Birth or adoption of a child Marriage or divorce Switch from part-time to full-time You have 30 days from a change in family status to make changes to your current coverage. *CONTACT MARYLEA FEARS AT BANCORPSOUTH INSURANCE SERVICES FOR CHANGES at The terms you and your as used in this New Hire Benefit Guide refer to an employee of The MAPP Group, LLC who meets all the eligibility and participation requirements under the The MAPP Group, LLC Group Health Plan (the Plan ). Receipt of this document does not guarantee that the recipient is a participant under the Plan and/or otherwise eligible for benefits under the Plan. The MAPP Group, LLC reserves the right to make changes or to terminate any benefit plan or plans at any time, without prior notice to or consent from any employee or participant. If there is any inconsistency between this document and the official plan documents and contracts, the official plan documents and contracts will control. The information contained in this New Hire Benefit Guide may have been supplied by third parties. Although BancorpSouth Insurance Services has no reason to doubt the accuracy of information used to prepare this document, we make no representation and give no warranty as to the accuracy, currency or completeness of any information contained in this document or its relevance to the recipient. BancorpSouth Insurance Services, Inc

11 Carrier Contact Information We created this simple directory for you. It provides you with important information on your employee benefits and contact information. BancorpSouth Insurance Services Call Center Contact Name: Phone Number: Marylea Fears for benefit questions, changes, additions and deletions BancorpSouth Insurance Services Call Center Contact Name: Phone Number: Brandi Guzzardo for enrollments Medical Plan & Flexible Spending Account Provider Name: United Health Care Phone Number: Website: Health4me mobile app Prescription Drug Administrator Provider Name: Optum Rx Phone Number: Website: Health Savings Account (HSA) Provider Name: Optum Bank Phone Number: Website: Dental & Vision Plan Provider Name: AlwaysCare Benefits Phone Number: , ext Website: Group Life & AD&D, Voluntary Life & Short- Term Disability Plans Provider Name: UNUM Phone Number: Website: Employee Assistance Program Provider Name: Phone Number: Website: UNUM English Spanish user ID and password; lifebalance Group Accident & Critical Illness Plans Provider Name: UNUM Phone Number: Website: BancorpSouth Insurance Services, Inc

12 IMPORTANT NOTICES- PLEASE READ HEALTH CARE REFORM MODEL NOTICE Please be advised that The MAPP Group, LLC is in compliance with the Affordable Care Act (ACA) whereby Employers who offer medical coverage to full-time eligible employees must maintain a benefit plan that is both affordable and adequate, as defined by the Affordable Care Act. Therefore, employees who decide to enroll in medical benefits offered through the Marketplace may NOT BE ELIGIBLE for a government subsidy. Please see your Human Resources / Benefits Department for additional information. LIFETIME LIMIT NO LONGER APPLIES The lifetime limit on the dollar value of benefits under the medical plan no longer applies with respect to essential health benefits, as defined under the Affordable Care Act. NOTICE ABOUT SPECIAL ENROLLMENT RIGHTS A federal law called the Health Insurance Portability and Accountability Act (HIPAA) requires that we provide you this notice explaining your group health plan s procedures for your special enrollment rights. Your Special Enrollment Rights- If you are declining enrollment for yourself or your dependents (including your spouse) because of other health insurance coverage, you may in the future be able to enroll yourself or your dependents in this plan, provided that you request enrollment within 30 days after your other coverage ends. In addition, if you have a new dependent as a result of marriage, birth, adoption, or placement for adoption, you may be able to enroll yourself and your dependents, provided that you request enrollment within 30 days after the marriage, birth, adoption, or placement for adoption. Please refer to the Summary Plan Description or contact your Benefits Administrator with any questions. MEDICAID AND THE CHILDREN S HEALTH INSURANCE PROGRAM (CHIP) OFFER FREE OR LOW-COST HEALTH COVERAGE TO CHILDREN AND FAMILIES If you are eligible for health coverage from your employer, but are unable to afford the premiums, some States have premium assistance programs that can help pay for coverage. These States use funds from their Medicaid or CHIP programs to help people who are eligible for employer-sponsored health coverage, but need assistance in paying their health premiums. If you or your dependents are already enrolled in Medicaid or CHIP, you can contact your State Medicaid or CHIP office to find out if premium assistance is available. If you or your dependents are NOT currently enrolled in Medicaid or CHIP, and you think you or any of your dependents might be eligible for either of these programs, you can contact your State Medicaid or CHIP office or dial KIDS NOW or to find out how to apply. For Louisiana, go to or call If you qualify, you can ask the State if it has a program that might help you pay the premiums for an employer-sponsored plan. Once it is determined that you or your dependents are eligible for premium assistance under Medicaid or CHIP, your employer s health plan is required to permit you and your dependents to enroll in the plan as long as you and your dependents are eligible, but not already enrolled in the employer s plan. This is called a special enrollment opportunity, and you must request coverage within 60 days of being determined eligible for premium assistance. WOMEN S HEALTH AND CANCER RIGHTS ACT If you have had or are going to have a mastectomy, you may be entitled to certain benefits under the Women s Health and Cancer Rights Act of 1998 (WHCRA). For individual receiving mastectomy-related benefits, coverage will be provided in a manner determined in consultation with the attending physician and the patient, for: All stages of reconstruction of the breast on which the mastectomy was performed; Surgery and reconstruction of the other breast to produce a symmetrical appearance; Prostheses; and Treatment of physical complications of the mastectomy, including lymphedema. These benefits will be provided subject to the same deductibles, coinsurance, and co-payments (if any) applicable to other medical and surgical benefits provided under this plan. Information on the plans specific deductible, coinsurance, or co-payment amounts is found in the Schedule of Benefits document that is issued with your health benefit booklet. BancorpSouth Insurance Services, Inc

13 Important Notice from The MAPP, LLC Group About Your Prescription Drug Coverage and Medicare Please read this notice carefully and keep it where you can find it. This notice has information about your current prescription drug coverage with The MAPP Group, LLC and about your options under Medicare s prescription drug coverage. This information can help you decide whether or not you want to join a Medicare drug plan. If you are considering joining, you should compare your current coverage, including which drugs are covered at what cost, with the coverage and costs of the plans offering Medicare prescription drug coverage in your area. Information about where you can get help to make decisions about your prescription drug coverage is at the end of this notice. There are two important things you need to know about your current coverage and Medicare s prescription drug coverage: 1. Medicare prescription drug coverage became available in 2006 to everyone with Medicare. You can get this coverage if you join a Medicare Prescription Drug Plan or join a Medicare Advantage Plan (like an HMO or PPO) that offers prescription drug coverage. All Medicare drug plans provide at least a standard level of coverage set by Medicare. Some plans may also offer more coverage for a higher monthly premium. 2. The MAPP Group, LLC has determined that the prescription drug coverage offered by the [Insert Name of Plan] is, on average for all plan participants, expected to pay out as much as standard Medicare prescription drug coverage pays and is therefore considered Creditable Coverage. Because your existing coverage is Creditable Coverage, you can keep this coverage and not pay a higher premium (a penalty) if you later decide to join a Medicare drug plan. When Can You Join A Medicare Drug Plan? You can join a Medicare drug plan when you first become eligible for Medicare and each year from October 15th to December 7th. However, if you lose your current creditable prescription drug coverage, through no fault of your own, you will also be eligible for a two (2) month Special Enrollment Period (SEP) to join a Medicare drug plan. What Happens To Your Current Coverage If You Decide to Join A Medicare Drug Plan? If you decide to join a Medicare drug plan, your current The MAPP Group, LLC coverage will not be affected. If you do decide to join a Medicare drug plan and drop your current employer-sponsored coverage, be aware that you and your dependents will not be able to get this coverage back. When Will You Pay A Higher Premium (Penalty) To Join A Medicare Drug Plan? You should also know that if you drop or lose your current coverage with The MAPP Group, LLC and don t join a Medicare drug plan within 63 continuous days after your current coverage ends, you may pay a higher premium (a penalty) to join a Medicare drug plan later. If you go 63 continuous days or longer without creditable prescription drug coverage, your monthly premium may go up by at least 1% of the Medicare base beneficiary premium per month for every month that you did not have that coverage. For example, if you go nineteen months without creditable coverage, your premium may consistently be at least 19% higher than the Medicare base beneficiary premium. You may have to pay this higher premium (a penalty) as long as you have Medicare prescription drug coverage. In addition, you may have to wait until the following October to join. For More Information About This Notice Or Your Current Prescription Drug Coverage: Contact the person listed below for further information. NOTE: You ll get this notice each year. You will also get it before the next period you can join a Medicare drug plan, and if this coverage through The MAPP Group, LLC changes. You also may request a copy of this notice at any time. For More Information About Your Options Under Medicare Prescription Drug Coverage: More detailed information about Medicare plans that offer prescription drug coverage is in the Medicare & You handbook. You ll get a copy of the handbook in the mail every year from Medicare. You may also be contacted directly by Medicare drug plans. For more information about Medicare prescription drug coverage: Visit Call your State Health Insurance Assistance Program (see the inside back cover of your copy of the Medicare & You handbook for their telephone number) for personalized help Call MEDICARE ( ). TTY users should call If you have limited income and resources, extra help paying for Medicare prescription drug coverage is available. For information about this extra help, visit Social Security on the web at or call them at (TTY ). Date: 5/10/2017 Name of Entity/Sender: The MAPP Group Contact: Rhonda Badeaux Phone : BancorpSouth Insurance Services, Inc

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