OE Benefit Summary

Transcription

1 BARBERS HILL ISD Benefits Plan Year September 1, 2015 to August 31, 2016 BARBERS HILL ISD Benefits Plan Year September 1, 2015 to August 31, 2016 Page 2 BENEFITS ADVISOR SCHEDULE Page 3 CONTACTS 125 PLAN RULES MEDICAL Page 4 DENTAL VISION CRITICAL ILLNESS Page 5 CANCER EDUCATOR DISABILITY Page 6 INDIVIDUAL LIFE BTL & AD&D, AND VTL Page 7 IDENTITY THEFT 403(b) & 457 RETIREMENT PLANS Page 8 FSA & HSA ACCOUNTS LEGAL Page 9 FAQ Page 10 ENROLLMENT NAVIGATION BARBERS HILL ISD OE Benefit Summary Online Enrollment Information for Supplemental Benefits Section 125 Cafeteria Plan Supplemental Retirement Plans PLAN YEAR IS SEPTEMBER 1, 2015 to AUGUST 31, 2016 Voluntary Benefits are effective October 1, 2015 to September 30, 2016 Changes in FLEXIBLE SPENDING ACCOUNTS (FSAs) and HEALTH SAVINGS ACCOUNTS (HSAs) are deducted from payroll and are effective September 1, 2015 (like your TRS medical plan). SPECIAL NOTE: Changes in 457 RETIREMENT PLANs will be deducted from payroll and are effective June 1, Changes made to SUPPLE- MENTAL INSURANCE BENEFITS are deducted from payroll in September, and coverage is effective October 1, Your company key is BHISD (case sensitive). OPEN ENROLLMENT May 4 to May 15 Benefits Advisors onsite to help with enrollment see schedule on page two IMPORTANT CHANGES TO KNOW THIS YEAR IMPORTANT CHANGES TO KNOW THIS YEAR CHANGING VENDORS VISION Block Vision has changed names to Superior Vision. The benefit plan and rates are staying the same. LIFE INSURANCE Guaranteed issue with a long-term-care rider for employee, spouse, and children THIS YEAR ONLY! Recommended browser: PCs Internet Explorer MAC Safari (Google Chrome browser is not compatible) OTHER KEY ITEMS MEDICAL New medical rates will not be released from TRS until mid-june. You will be ed notification of the new rates in your BHISD . From August 3rd to August 21st you can ONLY make changes to your medical, FSA, or HSA Plans. CRITICAL ILLNESS Guaranteed issue covers, with a lump sum amount, in case of heart attack, stroke, cancer, and other medical issues. FLEXIBLE SPENDING ACCOUNT (FSA) Increase to $2,550 maximum annual election. HEALTH SAVINGS ACCOUNT (HSA) Increase to $3,350 maximum for individual annual election; HSA catch-up is $1,000 for age 55+.! This is an outline of benefits only. If there is a conflict between the terms of this outline of benefits and the contract, the terms of the contract will prevail. Page! 1 of! 10 BHISD OES 4/2015

2 BARBERS HILL ISD Benefits Plan Year September 1, 2015 to August 31, 2016 BARBERS HILL ISD Benefits Plan Year September 1, 2015 to August 31, 2016 BENEFITS ENROLLMENT SCHEDULE DATE TIME DEPT/CAMPUS LOCATION Mon., May 4 7:00 a.m. - 3:00 p.m. Maintenance/Technology Dept. Maintenance Break Room Tues., May 5 8:30 a.m. - 4:30 p.m. Kindergarten Front Office Conference Room Wed., May 6 8:00 a.m. - 4:00 p.m. Elementary North 2/3 sign up Lab Thurs., May 7 7:00 a.m. - 3:00 p.m. High School/Police AP Conference Room Fri., May 8 7:00 a.m. - 3:00 p.m. High School/Police AP Conference Room Mon., May 11 8:00 a.m. - 4:00 p.m. Elementary South Conference Room (2/3 side) Tues., May 12 7:30 a.m. - 3:30 p.m. Middle South Teacher's Lounge Wed., May 13 7:30 a.m. - 3:30 p.m. Middle North/DAEP/Special Services Library Wed., May 13 8:00 a.m. - 10:00 a.m. Transportation Transportation Break Room Wed., May 13 10:00 a.m. - 2:00 p.m. Administration Admin. Conference Room Wed., May 13 2:00 a.m. - 4:00 p.m. Transportation Transportation Break Room Thurs., May 14 8:00 a.m. - 4:00 p.m. Primary Conference Room Fri., May 15 8:00 a.m. - 4:00 p.m. Administration Admin. Conference Room MY NOTES TO ASK THE BENEFITS ADVISOR! This is an outline of benefits only. If there is a conflict between the terms of this outline of benefits and the contract, the terms of the contract will prevail. Page! 2 of! 10

3 CONTACTS BENEFIT VENDOR PHONE WEBSITE DEPENDENT ELIGIBILITY AGE Medical Insurance TRS ActiveCare To age 26 Medical Pharmacy CVS/Caremark To age 26 Dental Insurance Aetna To age 26 Vision Insurance Superior To age 26 Critical Illness MetLife To age 26 Cancer Plan Allstate To age 26 Educator Disability The Standard N/A Individual Life Insurance Combined/Fidelity Basic Term Life and Group Term Life Insurance To age 25 to apply covers to age 26 Sun Life To age 26 Identity Theft Protection ilock To age 18 Legal Plan LegalEase To age (b) Retirement Plan TCG Administrators/JEM N/A 403(b) Retirement Plan TCG Administrators/JEM N/A Flexible Spending Accounts (FSAs) or Health Savings Accounts (HSAs) TCG Administrators/JEM N/A SECTION 125 CAFETERIA PLAN RULES The 125 Cafeteria Plan allows you to deduct certain benefit premiums from your gross earnings, before federal withholding taxes are calculated. The amount you elect to have deducted pretax lowers your taxable income. TWO IMPORTANT ISSUES TO KEEP IN MIND 1. You must make an election each plan year to continue your eligibility for cafeteria plan benefits. 2. A benefit cannot be changed during the plan year unless you have a qualified family status change. These changes include, but are not limited to: Marriage or divorce Birth, adoption, or death of a spouse or child Change in a spouse s or dependent s employment status Change in eligibility status of a dependent Substantial increase in a benefit premium Becoming Medicare eligible Spousal Open Enrollment (not all plans allow this) ELIGIBLE BENEFITS UNDER SECTION 125 Medical Insurance Dental Insurance Vision Insurance Critical Illness Insurance Cancer Insurance Flexible Spending Account (FSA) Health Savings Account (HSA) MEDICAL TRS Medical Plans open enrollment is August 3rd - 21st. You will be notified by district of the new rates and the open enrollment dates in mid-june. Please note that all voluntary benefits are being enrolled NOW. The Spring voluntary benefits Open Enrollment elections will not be changeable during the Fall TRS medical enrollment. This is an outline of benefits only. If there is a conflict between the terms of this outline of benefits and the contract, the terms of the contract will prevail. Page! 3 of! 10

4 FREEDOM OF CHOICE DENTAL PLAN BY AETNA Dependents up to age 26 years The Freedom of Choice Dental Plan gives you both the DMO and PPO options, as you are allowed to switch during the plan year between those plans with a simple call to Aetna. So if you are in the PPO and have used your annual maximum you can switch to the DMO plan. Or if you need a lot of dental work and want to utilize an in-network DMO dentist with lower co-pays, you could switch to the DMO option by calling Aetna during the year. The rates are the same for either option. DENTAL MAINTENANCE ORGANIZATION (DMO) PLAN OPTION Must choose a dentist from DMO provider network No deductibles No pre-exisiting conditions No ID cards are issued No claim forms No annual maximum Orthodontia coverage PPO DENTAL (semimonthly) Employee Only $16.69 PREFERRED PROVIDER ORGANIZATION (PPO) DENTAL PLAN OPTION Freedom to choose any in- or out-of-network dentist Out-of-pocket costs are lower if you choose from the Preferred Provider List of "in-network" dentists on the PPO plan; more innetwork dentists than available on the DMO plan Annual deductible of $50 per individual, $150 per family; annual maximum of $1,000 per person, per year Preventative care (e.g., cleaning and exam) is paid at 100% Basic services are covered at 80% and major services are covered at 50% Dependent children to age 19 have orthodontia lifetime maximum of $1,000, with a two-year payout Employee + Spouse $27.88 Employee + Children $29.37 Family $42.65 Please see a Benefits Advisor or review the plan summary in the Reference Center at for additional information. VISION BY SUPERIOR VISION Dependents up to age 26 years $150 frame allowance OR $175 contact lens allowance with either Plan Richer benefits with in--network provider LOW PLAN Frames every 24 months $10 co-pay for annual eye exam $25 co-pay for eyeglasses or contacts HIGH PLAN frames every 12 months $10 co-pay for annual eye exam $10 co-pay for eyeglasses or contacts Please see a Benefits Advisor or review the plan summary in the Reference Center at for additional information. VISION (semimonthly) LOW PLAN HIGH PLAN Employee Only $3.75 $5.48 Employee + Spouse $6.38 $9.35 Employee + Child(ren) $6.75 $9.88 Family $10.13 $14.53 Enrollees receive ID card via USPS YES YES CRITICAL ILLNESS PLAN BY METLIFE INSURANCE Dependents up to age 26 years Guaranteed issue for entire family THIS YEAR ONLY High and low plan available HIGH PLAN: $30,000 benefit upon incident; $100 wellness benefit per year LOW PLAN: $15,000 benefit upon incident; $50 wellness benefit per year Incidents covered are listed at the right Wellness benefit pays you cash for annual health screening test Plan will pay up to 300% of the benefit for each person on the plan Pre-existing conditions will not be covered for six months, except for heart attack or stroke Please see a Benefits Advisor or review the plan summary in the Reference Center at for additional information. GI Lump-sum payment HIGHLIGHTS $50 or $100 wellness benefit Recurrence benefit COVERAGE ON SOME CRITICAL ILLNESSES BELOW: - heart attack - stroke - major organ transplant - Alzheimer s - cancer - kidney failure - skin cancer partial benefit - coronary artery bypass graft - 22 other listed conditions partial benefit This is an outline of benefits only. If there is a conflict between the terms of this outline of benefits and the contract, the terms of the contract will prevail. Page! 4 of! 10

5 CANCER PLAN BY ALLSTATE INSURANCE Dependents up to age 26 years Pays you directly to offset expenses related to the treatment of cancer Pays you based upon a schedule of benefits Both HIGH and LOW plans pay you $5,000 upon initial cancer diagnosis The HIGH plan includes an Intensive Care Unit (ICU) rider that will pay $600 daily, up to 45 days, if you are confined to the ICU for ANY reason Pays up to $10,000 annually for chemotherapy, radiation, and immunology Pays up to $10,000 annually for blood, plasma, and platelets ICU rider will also pay for ambulance cost, air or land, if you are in ICU for 24 hours or more Please see a Benefits Advisor or review the plan summary in the Reference Center at for additional information. CANCER PREMIUMS (semimonthly) EMPLOYEE ONLY FAMILY Cancer Plan with $5,000 Initial Diagnosis Rider (LOW PLAN) $13.02 $21.98 Cancer Plan with $5,000 Initial Diagnosis Rider AND Intensive Care Unit rider (HIGH PLAN) $14.64 $25.28 EDUCATOR DISABILITY PLAN BY THE STANDARD In the event that you become sick, injured, or pregnant, and are unable to work, disability insurance can step in to help take the place of your missing paycheck Your monthly benefit will pay up to 66 2 /3% of your salary in $100 increments to a maximum of $8,000 per month The plan will pay for as long as you are disabled, all the way to age 65 if you are unable to return to work; the cost depends on your age, the amount of coverage selected, and on how quickly you want benefits to begin ELIMINATION PERIOD allows you to select the number of days that you must be disabled before benefits are available; options are 7 days, 14 days, 30 days, 60 days, 90 days or 180 days for absences due to covered injuries and sickness See FAQs for definition of guaranteed issue and pre-existing GI HIGHLIGHTS The Hospital Waiver is if you have been admitted to a hospital as an inpatient for twenty-four hours or more; the elimination period will be waived and begin payment immediately for anyone who has chosen the 14-day or 30-day elimination periods of 30 days or less Guaranteed issue coverage for everyone; pre-existing condition limitations only apply on new levels of coverage elected or for any enhancements to the plan Please see a Benefits Advisor or review the plan summary in the Reference Center at for additional information. This is an outline of benefits only. If there is a conflict between the terms of this outline of benefits and the contract, the terms of the contract will prevail. Page! 5 of! 10

6 INDIVIDUAL LIFE INSURANCE BY COMBINED/FIDELITY Dependents coverage can be elected up to age 25 years; covered up to age 26 THIS YEAR every eligible employee, up to age 70, will be GUARANTEED up to $100,000 of coverage without having to provide evidence of insurability; children are guarantee issue this year up to $25,000 and spouse (under age 60) has a limited guarantee issue of $25,000; approval of any additional coverage over guaranteed issue amount is subject to health and underwriting guidelines set by the insurance company Coverage available for employee, spouse, and child(ren) Child term rider for dependent child(ren) available for age15 days old to 25 years old Child(ren) who age out of the Plan are eligible to convert the policy to an unattached, portable policy Detailed rate chart at GI HIGHLIGHTS Portable you can take it with you when you leave the district Coverage to age 120 Rates are guaranteed until age 100 Coverage for child(ren) to $25,000 Long-Term Care (LTC) benefit pays up to 4% of death benefit up to 25 months IMPORTANT NOTE Employees who previously elected an amount of Combined/Fidelity coverage less than $100,000, may increase their own coverage this year up to $100,000 without having to provide evidence of insurability. Please see a Benefits Advisor or review the plan summary in the Reference Center at for additional information. BASIC LIFE WITH AD&D, AND VOLUNTARY GROUP TERM LIFE BY SUN LIFE Dependents up to age 26 years EXISTING EMPLOYEES SUBJECT TO UNDERWRITING Basic Life and AD&D for $10,000 (must elect this to apply for the Voluntary Employee coverage) EMPLOYEE: Increments of $10,000, up to $30,000 DEPENDENT COVERAGE: Spouse coverage $5,000, child(ren) coverage age six months to age 26 $1,000 HIGHLIGHTS NEW HIRES (within 31 days of hire) GUARANTEED ISSUE Basic Life and AD&D for $10,000 (must elect this to apply for the Voluntary Employee coverage) EMPLOYEE: Increments of $10,000, $20,000 or $30,000 of coverage DEPENDENT COVERAGE: Spouse coverage $5,000, child(ren) coverage age six months to age 26 $1,000 Spouse and dependent child(ren) coverage is limited to 100% of the employee s coverage election You have a Basic Life and AD&D of $10,000 available and the Voluntary Employee life of $10,000, $20,000 or $30,000 available to apply for coverage. Coverage available for spouse and child(ren) ONLY if you have Sun Life Voluntary coverage for yourself Amounts of coverage still in underwriting after October 1, 2015, the effective date of coverage will be the first day of the month following the date of approval by Sun Life Please see a Benefits Advisor or review the plan summary in the Reference Center at for additional information. This is an outline of benefits only. If there is a conflict between the terms of this outline of benefits and the contract, the terms of the contract will prevail. Page! 6 of! 10

7 IDENTITY THEFT PROTECTION BY ilock360 Dependents up to age 18 years In 2014, identity fraud affected 12.7 million consumers costing a total of $16 billion Monitors 24/7/365 Personal address required SERVICE PLUS PREMIUM CyberAlert Social Security number trace Change of address Sex offender alerts ilock360 (semimonthly) PLUS PREMIUM Employee Only $4.00 $7.50 Employee + Spouse $7.50 $11.00 Employee + Children $6.50 $10.00 Family $10.00 $13.50 Payday loan Court/criminal records Full service restoration and lost wallet $1M insurance Daily monitoring of one credit bureau (TransUnion) Daily monitoring of three credit bureaus (TransUnion, Equifax, Experian) ScoreTracker TM adults children 457 RETIREMENT SAVINGS PLAN Section 457 Deferred Compensation Plan refers to Section 457 of the Internal Revenue Code of This is a district-sponsored voluntary retirement savings plan that allows an employee to save money for retirement on a tax-deferred basis. This plan allows you to start, stop, increase or decrease contributions at any time. The plan contains most of the same features of the 403(b) plan, but is particularly different in one unique way: distributions from the 457 Deferred Compensation Plan are not subject to the 10% excise tax for early withdrawal. In 2015, you can contribute 100% of your includible compensation up to $18,000, whichever is less. If you are age 50 or older, you can contribute up to an additional $6,000 for a total of $24,000 for the year. JEM Resource Partners is the plan administrator; you can elect salary deductions at Your initial password to enroll online is barbe457 (case sensitive). SALARY DEDUCTIONS for new participants, or changes made to an existing 457 Plan, are effective June 1, 2015 not September 1, NOTE: 457 plan enrollment online navigation instructions are in the Reference Center at 403(b) RETIREMENT SAVINGS PLAN A 403(b) is a retirement savings plan generally offered by public schools and other tax-exempt organizations that allows employees to make contributions on a pretax basis. Most plans allow you to start, stop, increase or decrease contributions at any time. The employer determines the investment providers and employees must open an account with one of those providers to contribute. JEM Resource Partners is the plan administrator; you can elect salary deductions at Your initial password to enroll online is barbe403 (case sensitive) or for a Roth 403b the password is bar403xr (case sensitive). All investing involves risk. Past performance is not a guarantee of future returns.! This is an outline of benefits only. If there is a conflict between the terms of this outline of benefits and the contract, the terms of the contract will prevail. Page! 7 of! 10

8 FLEXIBLE SPENDING ACCOUNT (FSA) MEDICAL This plan allows for a tax savings on most medical, dental, and vision expenses not covered by insurance. Non-covered expenses apply to all dependent family members even if not covered by a particular insurance plan. The employee estimates an annual election based upon the amount of non-covered expenses to be incurred. The maximum election amount for 2015 is $2,550 this amount is deducted in equal amounts from each paycheck, before taxes are calculated, and then set aside for the employee in a special account. A MasterCard debit card will be issued to you to pay for most expenses incurred. Please consult your employee benefits office or a Benefits Advisor, or visit the Reference Center ( for a list of eligible expenses. REMEMBER: If you don t use it, you lose it! You MUST re-enroll every year. Please note: If you waive the district medical, you can receive district monies up to $1,200 in FSA medical. Please make sure to fill out the waiver form in the Reference Center ( and submit to BHISD Benefits Department. You will also need to enter the $1,200 on the FSA benefit enrollment page at FLEXIBLE SPENDING ACCOUNT (FSA) DEPENDENT CARE This is a plan that allows for a tax savings on day care expenses for children under the age of 13 and for dependent adults unable to care for themselves. The employee estimates an annual election for the amount of expenses to be incurred. The annual election amount is deducted in equal amounts from each paycheck, before taxes are calculated, and then set aside in a special account for the employee. As expenses are incurred, the employee submits a claim and the money is reimbursed to the employee from the employee s account as the monies come in from each paycheck. The IRS does not allow the Dependent Care Account (DCA) to be pre-funded. Where accepted, the debit card may be used for payment of dependent care expenses. Please see the summary plan description located on the enrollment website for more information. Note: Any money not claimed by the employee within ninety days after the end of the plan year is forfeited. The maximum annual election amount is $5,000 per household. If you are married and filing separately, each spouse may only elect up to $2,500. Please consult your employee benefits office or a Benefits Advisor, or visit the Reference Center.( for a list of eligible expenses. (See FAQ on next page). HEALTH SAVINGS ACCOUNT (HSA) The Health Savings Account is only available for employees that elect a High Deductible Health Plan (HDHP). This would include the TRS AC1 HD. So to be eligible for the HSA, you would need to be enrolled in or to elect this medical plan for next year HSA Contribution limits: Individuals (self-only coverage) $3,350, Family coverage $6,650. HSA Catch-up contributions (age 55 or older): $1,000. The HSA is very different from the Flexible Savings Account (FSA), as it is not pre-funded and you can only utilize the account as the monies from your paycheck are received to the HSA. Also, the HSA is NOT a use-it-or-lose-it plan. The monies will continue to stay in your account until utilized for qualified expenses. The HSA can be increased, decreased, started or stopped at any time throughout the plan year. These changes can be made by filling out an HSA change form available at LEGAL PLAN BY LEGALEASE The Plan covers matters like adoption, bankruptcy, and eviction, living will, consumer fraud, contracts, small claims assistance, trusts, criminal misdemeanor, contested divorce, and traffic tickets Please see a detailed chart for the plan at LEGAL PLAN (semimonthly) Employee and Family $12.08! This is an outline of benefits only. If there is a conflict between the terms of this outline of benefits and the contract, the terms of the contract will prevail. Page! 8 of! 10

9 FREQUENTLY ASKED QUESTIONS What is Guaranteed Issue (GI)? Also referred to as Guaranteed Acceptance, or GA, means that you can t be turned down for health reasons. What is a pre-existing condition? A pre-existing condition is any condition for which you received medical advice, care, diagnosis or treatment within a specified period prior to enrolling in an insurance plan. Such condition may be subject to a pre-existing condition exclusion. See the provider's benefit booklet in the Resource Center ( for specific details. What is a deductible? A deductible is what you must pay for your health care before your insurance pays its part. Most plans have deductibles, which start over when your PLAN YEAR starts over. For example, if your plan has a $1,000 deductible and you have surgery that costs $5,000, you ll pay $1,000 before your insurer helps you cover your bills. What is a co-pay? A copay is a small, fixed amount often $15 or $20 that you pay for covered services like a prescription or a doctor s visit. Some health plans also apply coinsurance to certain services. With it, you pay a percentage of the total cost of care. For example, if you have a 20% coinsurance, and your doctor's appointment costs $300, you'd pay $60. That's if you've met your deductible. What is out-of-pocket maximum mean? Your out-of-pocket maximum is the most you have to pay each year toward your medical services or prescription drugs before your insurance pays for all your care. This amount does not include what you pay in premiums. The Affordable Care Act limits the out-of-pocket maximums. In 2015, for one adult, it can be no more than $6,600, and for a family, it can be no more than $13,200. What does EOB mean? After you ve visited your doctor or had a procedure in a hospital, you ll receive an explanation of benefits (EOB) form telling you how much of the charges your insurance will pay. The EOB isn t a bill itself, but it can tell you what your doctor may charge you. Look for the words due from patient to see how much you may owe after your insurance pays. Before you get certain tests or procedures, must you have permission from your health insurance plan? If your doctor says you need a test or procedure, your health plan may have to give permission if it's to be covered by insurance. Giving that permission is called preauthorization. Your plan's overview of benefits lists what care needs to be preauthorized. If you don't get it when it's required, your health plan won't pay its part of the costs. Dependent Care Accounts If I contribute to a Dependent Care Account, can I also write-off my daycare expenses on my taxes? No, you may not. If you use the Dependent Care Account, you save money up-front on your taxes. Your per-paycheck deductions are taken out of your paycheck before you pay taxes on your income. Thus, your taxable income is less, and you pay less in taxes. What kinds of care does this cover? Before-school and after-school care Expenses for preschool/nursery school Extended day programs Au pair services (amounts paid for the actual care of the dependent) Baby sitter (in or out of the home) Nanny services (amounts paid for the actual care of the dependent) Summer day camp for your qualifying child under the age of 13 Elder day care for a qualifying individual Can I use the dependent care account to fund elder care for my mother/father/spouse? Yes! You may use your Dependent Care account to fund care for individuals who qualify as: your dependent child under the age of 13 who lives with you for more than half the year (and for whom you are the custodial parent in cases of divorce) your spouse, or other tax dependent, who is incapable of self-care and lives with you for more than half the year. GI! This is an outline of benefits only. If there is a conflict between the terms of this outline of benefits and the contract, the terms of the contract will prevail. Page! 9 of! 10

10 BARBERS HILL ISD BENEFITS PLAN YEAR September 1, 2015 August 31, 2016 NAVIGATION FOR ENROLLMENT BARBERS HILL ISD BENEFITS PLAN YEAR September 1, 2015 August 31, START HERE Click LOG IN to get started. 2 When you enter the site, use the USER NAME and PASSWORD you established previously to start the enrollment process. If you are a first-time user, please click REGISTER and proceed. If you have forgotten your User Name or Password, click FORGOT YOUR PASSWORD. Your company key is BHISD (case sensitive) EXISTING EMPLOYEES FORGOTTEN PASSWORD NEW EMPLOYEES You will be prompted for SSN, company key (BHISD), and DOB (MM/DD/YYYY). Follow prompts. 3 Click START HERE You may go to the Reference Center to get more details on the available plans. You can view provider directories for the dental and vision plans if you would like to see the available network providers Click START ENROLLMENT The next screen contains text regarding the upcoming changes and important benefits dates. Please read the text and click START ENROLLMENT at the bottom of the page to proceed. You will need to go through each benefit to select or waive each one this year. After you have completed all the benefits you will be directed to the Review Enrollment page. You are still able to make a change to a benefit there also. Click EDIT to the right of the benefit you wish to change or elect. After you review your benefits, please scroll down to the bottom of the page and click NEXT. EDIT HERE When finished making your benefit change, scroll to the bottom of the page and click NEXT. You will advance to the review page.! When you are finished reviewing your enrollment and making changes, click APPROVE at the bottom or top of the Review Enrollment page. Continue to the last step on the next page. On the next screen click I AGREE, and then click PRINT for a summary of your chosen benefits. This is an outline of benefits only. If there is a conflict between the terms of this outline of benefits and the contract, the terms of the contract will prevail. Page 10! of 10!