2017 BENEFITS OPEN ENROLLMENT GUIDE Open Enrollment is Nov. 2 Nov. 16, 2016

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1 2017 BENEFITS OPEN ENROLLMENT GUIDE Open Enrollment is Nov. 2 Nov. 16, 2016 EDUCATIONAL SESSIONS The educational sessions will be held at the Monsanto Center, 1 st floor Lecture Hall: Wednesday, November 2 2:00 to 3:30 pm Thursday, November 10 9:30 to 11 am CONTACT US: Benefit Questions: HRbenefits@mobot.org HR Open Enrollment Hotline: or ext. 260 Dayforce Password Assistance: dayforcehelp@mobot.org Design Zywave, Inc. All rights reserved.

2 WELCOME TO OPEN ENROLLMENT FOR YOUR 2017 BENEFITS! The Missouri Botanical Garden (Garden) offers a comprehensive, cost-effective, and competitive benefits package to help promote your health and well-being. It is your responsibility to make educated choices and select the plans that are right for you and your family. This Open Enrollment Guide will serve as a reference to your benefit choices and assist you as you complete your online enrollment for your 2017 benefit selections. If you have questions about 2017 Open Enrollment that aren t addressed in this publication, your questions to hrbenefits@mobot.org. Elections you make during open enrollment and corresponding rates will become effective January 1, INSIDE THIS GUIDE Eligibility 3 New for Medical 5 Dental 7 Vision 8 MBG Paid Benefits 9 Optional Benefits 9 FSA 10 HSA 11 Retirement 12 EAP 13 Q&A 14 Dayforce Tips 15 Resources 16 The information in this Enrollment Guide is presented for illustrative purposes. The text contained in this Guide was taken from various summary plan descriptions and benefit information. While every effort was taken to accurately report your benefits, discrepancies or errors are always possible. In case of discrepancy between the Guide and the actual plan documents the actual plan documents will prevail. All information is confidential, pursuant to the Health Insurance Portability and Accountability Act of If you have questions about your benefits, contact HR Benefits Department. 2

3 WHO IS ELIGIBLE? Full time employees working 37.5 or more hours weekly are eligible to participate in all benefits. Part time employees regularly scheduled to work on average 30 or more hours per week or who on average work at least 30 or more hours per week in a 12 month measurement period may become eligible for medical coverage and FSA participation. If eligible, you will have a PPACA Enrollment wizard to complete. With certain benefit options, you may cover your eligible dependents, which include your legal spouse, your children to the age limit of 26 (in most cases or as set by the policy), and your domestic partner (eligible for medical only). HOW TO ENROLL If you click on the Benefits icon in Dayforce and have an Open Enrollment link or a PPACA Enrollment link, you MUST enroll by November 16, WHEN TO ENROLL The open enrollment period runs from November 2 nd through November 16 th. Educational sessions will be held at the Monsanto Center, 1 st floor Lecture Hall: Wednesday, November 2 2:00 to 3:30 pm Thursday, November 10 9:30 to 11 am Dayforce Enrollment Assistance: HR Conference Room HOW TO MAKE CHANGES Unless you have a qualified life event, you cannot make changes to the benefits you elect until the next open enrollment period. Qualified life events include: marriage, divorce, legal separation, birth or adoption of a child, change in child s dependent status, death, change in employment status or change in coverage under another employer-sponsored plan. Changes must be submitted via the Dayforce Life Event Declaration Form and then the Life Event Wizard within 30 days of the qualifying event. 3

4 WHAT S NEW FOR 2017? MOVING TO ANTHEM Medical insurance will be offered through Anthem beginning January 1, We are excited that we were able to keep the majority of the benefits the same and many even better for our employees. Please take the time to review the information provided to you regarding the benefits offered through Anthem. OPEN ENROLLMENT USING DAYFORCE The 2017 open enrollment will be completed through Dayforce. Additional information is included in this guide on how to navigate through Dayforce. Additional enrollment assistance will be available in the HR Conference Room. Before visiting the HR Conference Room, call ext. 260 or hrbenefits@mobot.org. BENEFITS INFORMATION Plan summaries will be in the Dayforce enrollment wizard. Plan summaries and required notices, will be on the Human Resources (HR) link of the MBG Intranet at: 4

5 MEDICAL AND PRESCRIPTION DRUGS Effective January 1, 2017, the Garden medical insurance will be provided by Anthem. During this transition you will want to proactively work with Anthem on continuation of care (this applies if you are currently in the middle of a procedure or ongoing medical care) and transition of prescriptions that may be subject to step therapy. Go to to search for a provider in the Blue Access Choice network, review the formulary, and track your claims and healthcare costs. The medical and prescription drug grids outline a brief overview of your medical options and how they compare. A summary of the benefit plans may be found in the Dayforce enrollment wizard or at Please be certain to review the information carefully prior to enrolling for benefits. Services QHDHP HRA Buy Up HRA Physician Visit PCP & SPC Deductible $30 $30 Deductible - Individual - Family $1,500 $3,000* $1,500 ($1,000)** $3,000 ($2,500)** $1,500 ($750)** $3,000 ($1,500)** Hospitalization Deductible Deductible + 10% 0% after deductible Preventive Care $0 $0 $0 Emergency Room Urgent Care Deductible $100 $50 $100 $50 Out-of-Pocket Max - Individual - Family $1,500 (Ind.) $3,000 (Fam.) $3,000 (Ind.)*** $6,000 (Fam.)*** $3,000 (Ind.)*** $6,000 (Fam.)*** Prescription Drugs - Generic - Preferred - Non-Preferred - Mail Order (90 day supply) Deductible $10 $30 $50 2 x copay $10 $30 $50 2 x copay * QHDHP/HSA is a true family deductible. The full deductible of $3000 must be met before the plan covers 100%. **Amounts shown in parentheses under the HRA and Buy Up HRA are your responsibility. *** Copays apply to the out of pocket maximum but DO NOT apply toward the deductible. Benefits included in this benefit summary are for in-network services only. Please refer to the benefit summaries for more specific information for both in-network and out of network services. Benefit summaries are available in the Dayforce enrollment wizard and on the HR link of the MBG Intranet. 5

6 MEDICAL AND PRESCRIPTION DRUGS QHDHP HRA Buy Up HRA Garden Funding First-time enrollees receive $500 from the Garden to their HSA Account The Garden will fund $500 toward the last part of the innetwork deductible. The Garden will fund $750 (individual) or $1500 (family) toward the last part of the innetwork deductible as well as the additional coinsurance to the out of pocket maximum. YOUR COST IN 2017 Cost Per Pay Period QHDHP HRA Buy Up HRA Employee Only $22.32 $46.51 $80.11 Employee & Spouse/DP $ $ $ Employee & Child(ren) $ $ $ Family $ $ $ SPOUSAL/DP SURCHARGE There is a $45 biweekly spousal/domestic partner (DP) surcharge, in addition to your biweekly medical insurance premium, if you elect coverage for your spouse or DP and he/she is eligible for group medical insurance through their employer. If you select coverage for a spouse or DP you must submit a completed Spouse/Domestic Partner Coverage Affidavit by 11/16/16. The Affidavit is attached to each medical plan in Dayforce and is posted on the HR link of the MBG Intranet Benefits section. 6

7 DENTAL MetLife will continue to be the Garden s dental provider for The following grid is an overview of benefits. A listing of participating providers can be found at When searching for providers enter the zip code and PDP Plus for the network. Low Plan High Plan In Network Non-Network In Network Non-Network Type A Preventive 80% 80% 100% 100% Type B Basic Restorative 50% 50% 90% 80% Type C Major Restorative 50% 50% 60% 50% Type D Orthodontia N/A 50% 50% Deductible: Per Individual $0 $0 $50 $50 Deductible: Per Family $0 $0 $150 $150 Annual Maximum Benefits: Per Individual $1200 $1200 $1700 $1700 Orthodontia Lifetime Maximum: Per Individual (Child up to 19) N/A $1000 $1000 If you choose a non-network provider you may be balanced billed for amounts in excess of the reimbursed amount from MetLife. MetLife does not distribute ID cards to members as part of their effort to reduce the use of paper. While an ID card is not required to utilize your dental insurance, if you are enrolled in the plan and would like to have an ID card, you can print a card by going to their secure member website at The group name is Missouri Botanical Garden. Please refer to the detailed benefit summary included on Dayforce and the HR link of the HR link of the MBG Intranet at YOUR COST IN 2017 Cost Per Pay Period Low Plan High Plan Employee Only $6.08 $8.94 Employee & Spouse/DP $14.96 $21.32 Employee & Child(ren) $15.20 $25.64 Family $24.98 $

8 VISION Opticare Plus will continue to be the Garden vison provider in Opticare offers in-network and out-of-network benefits to employees and covered family members. The following chart shows an overview of benefits. A listing of participating providers can be found at Benefits Select Network Broad Network Out-of-Network Exam $5 $10 $35 Allowance Materials $10 $25 $65 Allowance Standard Plastic Lenses Single Vision Bifocal Trifocal Progressive Lens (Standard Plastic No-Line) Covered by copay Covered by copay Covered by copay $30 copay Covered by copay Covered by copay Covered by copay $50 Copay $65 Allowance $65 Allowance $65 Allowance Included in allowance Frame Allowance $130 Allowance $100 Allowance $70 Allowance Contact Lenses Benefit is in lieu of lens and frame benefit Exam, Lenses, Frames, Contacts Frequency $130 Allowance $105 Allowance $100 Allowance 12 Months 12 Months 12 Months Discounts for additional services are also included. Please refer to the detailed benefit summary included on Dayforce and the HR link of the MBG Intranet at YOUR COST IN 2017 Coverage Level Cost Per Pay Period Employee Only $3.02 Employee & Spouse/DP $5.93 Employee & Child(ren) $6.40 Family $

9 LIFE, AD&D & LONG TERM DISABILITY The Garden pays the full cost of the following benefits for you: life insurance, AD&D, and long-term disability insurance. In the event of your death or if you become disabled from a non work-related injury or sickness, you or your beneficiaries would receive the following benefit. Life and AD&D Insurance 2 times Annual Salary Maximum of $500,000 Long Term Disability Monthly Benefit 60% of Monthly Pay (to a maximum monthly benefit) Elimination Period: 90 Days Benefit Duration: Age 65 *As long as the definition of disability is met OPTIONAL LIFE INSURANCE Additional life insurance is available for you to elect on yourself, your spouse and your dependent children. You pay the cost for this coverage, but it is made available to you at discounted group rates. For yourself, coverage is elected in $10,000 increments to a maximum of the lesser of $500,000 or 5 times your salary. The guaranteed issue amount is $150,000. AGE REDUCTION Coverage amounts for Life Insurance will reduce to 65% of the original amount at age 70, and to 50% of the original amount at age 75. This applies to both the employer paid and the optional life benefit. You may also elect optional life coverage for your spouse and dependent children. For your spouse, you may elect coverage in $5,000 increments to a maximum of $500,000 but not to exceed 100% of your employee optional life election. The guaranteed issue amount is $25,000. You may elect coverage for your dependent children in $2,000 increments not to exceed $10,000. If electing dependent coverage, all of your eligible dependent children would be covered. To enroll in Optional Life for your spouse/child, you must elect coverage for yourself. If you would like to enroll in this coverage for you or your dependents and it is not your initial enrollment period, you will be subject to medical underwriting or evidence of insurability (EOI). If you are currently enrolled but would like to increase your coverage for you or your spouse, you may increase your benefit amount to the guarantee issue amount without being subject to medical underwriting. Any amount over the guarantee issue amount is subject to medical underwriting. You may increase or enroll your children up to a maximum benefit of $10,000 without being subject to medical underwriting. The EOI form is attached to the Optional Life Plans in Dayforce or on the HR link of the MBG Intranet Benefits section. 9

10 OPTIONAL SHORT TERM DISABILITY You have the opportunity to purchase Short-Term Disability (STD) insurance through Aetna. You are responsible for the entire cost of this benefit. Your STD plan provides benefits when a non work related illness or injury has rendered you unable to work. Days before benefits begin: Injury/illness 21 days Benefit duration period: Up to 10 weeks Income replacement level: 60% of weekly earnings Maximum weekly benefit: $1,000 More details and the EOI form are available in Dayforce enrollment wizard or on the HR link of the MBG Intranet EOI will be required for the first time late enrollment (more than 31 days from your hire/benefit eligibility date). FLEXIBLE SPENDING ACCOUNTS (FSA) FSAs provide you with an important tax advantage that can help you pay health care and dependent care expenses on a pretax basis. By anticipating your family s health care and dependent care costs for the next year, you can actually lower your taxable income. HEALTH CARE FSA allows employees to pay for certain IRS-approved health care expenses with pretax dollars. The maximum contribution of $2,600 can be used for eligible health care-related expenses, including medical, dental and vision expenses. DEPENDENT CARE FSA allows employees to use pretax dollars toward the cost of care for eligible dependents, commonly daycare for children under the age of 13 or care of elderly dependents or members of your family with disability so you and/or your spouse can work. The annual maximum amount you may contribute to the Dependent Care FSA is $5,000 (or $2,500 if married and filing separately) per calendar year. IRS RESTRICTIONS both plans are subject to a use it or lose it rule meaning any money remaining in your account at plan year end is forfeited. Additionally, contributions cannot be changed throughout the year without a qualifying Life Event. The plan provides a convenient debit card, which automates the process of paying for eligible expenses. You may also submit claim forms to J.W. Terrill Benefit Administrators. To view status for these accounts, visit and click on TerrillFlex or call J.W. Terrill at

11 HEALTH SAVINGS ACCOUNTS (HSA) A Health Savings Account (HSA) is a tax-advantaged account that you can put money into to save for future health care expenses. You can contribute to an HSA if you: Have coverage under an HSAqualified qualified high deductible health plan (QHDHP) Have no other first-dollar medical coverage Are not enrolled in Medicare Cannot be claimed as a dependent on someone else s tax return HSA funds can be used to pay for eligible medical expenses, as well as eligible dental and vision expenses for you or your dependents. Your HSA account is owned by you, which means that you can take it with you if you change jobs or retire. Any unused money at the end of the year rolls over/remains in your account. For a complete list of eligible expenses please visit The IRS imposes a maximum contribution limit to the HSA on a calendar year basis. The 2017 maximum is $3,400 for an individual and $6,750 for a family. If you are age 55 or older, you are eligible for an additional catch up contribution of $1,000. The maximum contributions include both employee and employer money. Any amount used for purposes other than to pay for qualified medical expenses are taxable as income and subject to an additional 20% penalty. You are free to choose any bank for administration of your HSA. The Garden s preferred bank is BMO Harris Bank. Submit the MBG HSA Authorization form (attached to the QHDHP plan in Dayforce and available on the HR link of the MBG Intranet) to Liz.Barker@mobot.org by 11/16/16 to elect your 2017 HSA contribution or to change your contribution throughout the 2017 calendar year. Note: You must have an HSA account and authorize a minimum contribution of $1.00 to be eligible to receive the one-time Garden contribution of $500 available for first-time HSA enrollees. 11

12 403(b) RETIREMENT SAVINGS PLAN New full-time employees and part-time employees who work at least 1,000 hours per year will be automatically enrolled in the 403(b) Retirement Savings Plan at a 4% deferral with a 2% per year automatic increase election (not to exceed 10%). Participants may choose investments offered through the Plan, or if they do not choose where to invest contributions the default investment will be in the Principal Lifetime funds. Participants can: Opt out and not contribute to the plan; Opt out of the automatic increase election; and/or Change their contribution percent at any time utilizing the Principal Financial Group website or the Principal Tele touch phone system at The Plan number: Participants may make pre-tax or ROTH salary reduction contributions in multiples of 1% up to the statutory maximum. The Garden makes matching contributions on behalf of each eligible employee who has reached age 21, has met the one year service requirement and contributes to the Plan. Wages deferred into the plan by eligible participants will be matched dollar for dollar up to a maximum of 6% of your annual eligible pay. Eligible pay is limited under IRS rules; as a result, matching contributions are limited as well. Vesting is immediate. If you wish to change your deferral percentage or investment choices, please see the Principal Retirement Services Guide posted on HR link of the MBG Intranet at Other helpful information is available on Principal Financial Group s website at MAXIMUM CONTRIBUTION LIMITS $18,000 (Pre-tax & ROTH) $6,000 (Catch-up contributions for persons age

13 ADDITIONAL BENEFIT OFFERINGS EMPLOYEE ASSISTANCE PROGRAM The Missouri Botanical Garden s Employee Assistance Program (EAP) is a confidential program administered by H&H Health Associates and is available to you and all household members. The Garden pays the full cost of this coverage for you. To contact an EAP representative, call The EAP is a confidential service designed to help employees and families with many personal concerns. Any problem that might distract you at work would be appropriate for the EAP. The EAP also offers Health Coaching services, which can be accessed by going to selecting Health Coaching and entering the password botanicalgarden. Stress management Emotional issues Depression Anxiety and panic attacks Grief or loss Relationship problems Chemical dependency Eating disorders Domestic violence Job stress Career frustration Child and elder care needs Elder care resources Work/life issues Financial resources Legal resources Weight management and nutrition Smoking cessation AETNA TRAVEL ASSISTANCE Travel assistance services are available 24/7 to help you with emergencies when you re traveling for business or pleasure, more than 100 miles from home. Assistance includes: Doctor/dentist referrals, emergency medical evacuation/repatriation, lost documents and luggage, emergency cash and bail, legal referrals and more. Services must be provided and arranged by AXA Assistance USA, Inc. See HR link on the MBG Intranet Benefits section for more information. 13

14 QUESTIONS & ANSWERS Changes that can be made effective Jan. 1, 2017: Change medical plans (i.e. QHDHP to HRA or Buy Up HRA to QHDHP) Enroll or terminate individual and/or dependent coverage in the medical/dental/vision plans Enroll in the Flexible Spending Account Plan Make 2017 HSA payroll deduction elections Add or make changes to the Optional Life and Optional STD plan Forms to be completed if making changes: Optional Life and Optional STD Medical Underwriting Form or EOI Form. (Forms can be found in Dayforce under the Optional Life Insurance or Optional STD Insurance plans or on the HR link of the MBG Intranet Benefits section) What Forms MUST be completed? Spousal/DP Surcharge Affidavit form if you will cover a spouse or DP on your medical plan during 2017 MBG Health Savings Account Authorization Form if you wish to contribute to an HSA in 2017 Where do I find these forms? Forms are attached to the Plans in Dayforce and are posted on the HR link of the MBG Intranet Benefits section at When are the forms due and where do I return them? All forms are due by 11/16/2016 EOI and Spousal/DP Surcharge Affidavit forms must be returned to Don Taylor or Judy Servais in the Human Resources Benefits Department. The MBG Health Savings Account Authorization Form must be returned to Liz Barker in the Finance Office (liz.barker@mobot.org or via Garden mail). Who do I contact with questions? Contact HRBenefits@mobot.org, Don Taylor or Judy Servais in Human Resources with any questions you may have. 14

15 DAYFORCE ENROLLMENT TIPS Click on the Benefits icon on your home screen. Click Start Enrollment on your Open Enrollment Update your Current Beneficiary Information Update your Current Dependent Information Complete the Tobacco Use Declaration Click Next to begin your Benefits Open Enrollment A green check mark appears next to your current election (The new medical plans will not have this since they did not exist for 2016 & if you waived enrollment prior to Dayforce, the waive option will not show a green check). You must place a check mark to the left of to the option you wish to enroll in (including waiving a plan if you don t want to enroll). Click the link on any plan to view plan summary documents or other important documents relating to that plan. Click the button on any plan to update covered dependents, update beneficiaries assigned to that plan or to change the coverage amount on life plans. You may click the button at the bottom or top of the enrollment pages at any time to save your progress and finish it later. You will be provided with an enrollment summary to print once you ve submitted your enrollment. The enrollment wizard will remain open until midnight Central Time on the last day of open enrollment. Should you need to change your enrollment, log back in, click the start enrollment button again and you can resubmit your enrollment. Please note the green checkmark will appear next to your original open enrollment selections so you know what you selected prior to your change but you will need to reselect each item again. 15

16 RESOURCES Benefit Administrator Phone Website HR Benefits Garden Fax: Open Enrollment Hotline Nov HR Benefits Medical Anthem Dental MetLife Vision Opticare Plus opticareplus.com Flex Spending J.W. Terrill J.W.Terrill.com EAP H&H Health Associates hhhealthassociates.com 403b Principal principal.com NOTES: 16