Blue Cross Blue Shield of Texas Replacing Aetna PPO Medical Plan Changes New Health Care Partners for Dental and EAP Improved Dental Plan Benefits

Size: px
Start display at page:

Download "Blue Cross Blue Shield of Texas Replacing Aetna PPO Medical Plan Changes New Health Care Partners for Dental and EAP Improved Dental Plan Benefits"

Transcription

1 2014 Annual Enrollment Blue Cross Blue Shield of Texas Replacing Aetna PPO Medical Plan Changes New Health Care Partners for Dental and EAP Improved Dental Plan Benefits

2 2014 Annual Enrollment November 4-15, 2013 Annual enrollment is almost here, and it s time to learn about some important changes to your 2014 benefits. BMC wants to help you prepare to find the benefits that are the right fit for you and your family. This brochure, along with meetings and s you ll see in the coming weeks, provides a high-level overview of what s new in Read on to prepare for Annual Enrollment. It begins November 4 and ends November 15, What s New in 2014? Negotiating the best deals possible for BMC and employees continues to be a priority. In 2014, we ll be changing to new health care partners for the Health Savings Account (HSA) Medical Plan, PPO Medical Plan, Dental Plan, and Employee Assistance Program (EAP). We re also making a few other changes to keep delivering great benefits at a reasonable price. You can expect a smooth transition and consistent service during these changes, as well as access to a full range of benefits and support. Here s a look at the changes to our existing benefits and programs that will be effective January 1,

3 2014 Benefit Changes Feature What s Changing HSA and PPO Plans New Administrator Teladoc Medical Coverage Costs Health Savings Account The provider network for the Health Savings Account (HSA) and PPO medical plans will change to Blue Cross Blue Shield of Texas (BCBSTX). See page 3 for details. BMC s medication management program will include additional prescription drugs. See mybmcbenefits.com for information about new drugs that require prior authorization starting January 1, To provide you with more tools to manage your health and save you money, we ve partnered with Teladoc, a company that provides telemedicine services. Telemedicine gives you 24/7/365 access to board-certified physicians and pediatricians via phone or online video consultations. With medical costs continuing to rise, monthly costs will increase for you and BMC. For 2014, BMC is absorbing increases for the HSA and PPO medical plans. If you are enrolled in the HMO Plan, your monthly costs will increase an average of 8% for The IRS is increasing the amount you can contribute to your Health Savings Account. See page 3. Your Spending Account TM will still administer the HSA and UMB Bank will continue as the custodian. PPO Plan In-Network Deductibles Out-of-Pocket Maximums The annual in-network deductible will increase as follows: Individual: $500 to $750 Family: $1,000 to $1,500 The annual out-of-pocket maximum will increase as follows: Individual: $2,000 to $3,000 Family: $4,000 to $6,000 Copayments The emergency room copayment will increase from $100 to $250. Copayment limits on preferred and non-preferred brand-name drugs are increasing: Retail Mail-Order (90-day supply) Preferred $40 minimum $80 minimum $85 maximum $170 maximum Non-preferred $80 minimum $160 minimum $170 maximum $200 maximum The copayment for generic drugs remains at $4 retail and $10 mail-order. Dental Plan EAP Supplemental Insurance MetLife will administer the BMC Dental Plan (replacing Aetna). See page 4 for details. Dental Plan enhancements for 2014 include increases to the annual plan maximum and the lifetime orthodontia maximum from $1,500 to $2,000 (children and adults). Your 2014 monthly paycheck deductions will be the same as Magellan Health Services will replace Aetna as our Employee Assistance Program provider. See page 4 for details. On average, the cost of supplemental life and accidental death and disability insurance is decreasing for See Your Benefits Resources (YBR) for specific costs. 2

4 Aetna Participants: New Administrator Coming in January To save you and BMC money, BMC selected Blue Cross Blue Shield of Texas (BCBSTX) to administer the HSA and PPO medical plans beginning January 1, The move to BCBSTX affects only the administration of your plan for example, the provider network, claims submission, phone numbers, ID card and website addresses. The design of the plans such as the services your plan covers and the amount you pay for care will generally be the same as it is today with some minor differences. This change does not affect the HMO Plan. What is Not Changing? You ll continue to have the choice to use any doctor you want in or out of the BCBSTX network. Keep in mind, though, that you will pay less for care if you use a doctor that s in the BCBSTX network. Aetna will continue to pay your claims incurred for care through the remainder of Express Scripts (formerly Medco) will still provide your prescription drug coverage. Is My Doctor in the Network? You ll likely want to check to see whether your current doctor or hospital is a part of the BCBSTX network. Nearly 95% of the doctors currently used by BMC employees under Aetna are also part of the BCBSTX network. Visit YBR any time after November 4 to find out if your doctor participates in the BCBSTX network. Find current provider directories by clicking through this path: Health and Insurance TAKE ACTION Find a Doctor. Your Spending Account (YSA) will still administer your Health Spending Account and UMB Bank will continue as the custodian. BMC will contribute to your HSA at the same levels as If you are currently enrolled in the HSA or PPO Medical plan administered by Aetna, your current coverage will automatically transition to BCBSTX at the same coverage level as it is today. You do not need to do anything to maintain your BMC medical coverage for However, if you want to make changes to your medical coverage or other benefits, please take action during annual enrollment. Currently Receiving Treatment? If you re currently in treatment for a serious condition, we know the last thing you want to worry about is finding another doctor. Depending on your health issue, transition of care may be available to you and your covered dependents. Please visit mybmcbenefits.com during the enrollment period for more information about transition of care. New ID Cards You will receive a new combined BCBSTX and Express Scripts ID card in December if you continue coverage or enroll for the first time in the HSA or PPO medical plan. You ll use the card to receive medical services and prescription drugs starting January 1, Health Savings Account The IRS is increasing the amount you can contribute to your Health Savings Account. Individual: $3,300, up $50 from 2013 Family: $6,550, up $100 from 2013 Catch-up: $1,000 if you are at least age 55 (no change) 3

5 NEW! MetLife Replaces Aetna as Dental Plan Vendor Starting January 1, 2014, MetLife will replace Aetna for the BMC Dental Plan and participants will use the MetLife network of providers. In addition, the annual maximum and the orthodontia lifetime maximum are increasing from $1,500 to $2,000. Plan deductibles and coinsurance for covered services will be the same as in To access a MetLife dental provider directory, go to MetLife does not provide dental ID cards. You can download a card at mybenefits after January 1, 2014, or provide your Social Security Number during your dental appointment. You can also call customer service at for help with locating providers or other questions you may have. NEW! EAP Now Through Magellan Health Services We have selected Magellan Health Services as our new provider for the Employee Assistance Program (EAP) for The EAP provides all employees and their family members with access, at no cost, to phone calls with trained counselors and up to six mental health visits per issue with an EAP professional. If you are mid-way through counseling sessions for an issue on January 1, 2014, your number of visits will reset, making you eligible to receive up to six more visits for that issue in You can continue seeing your provider if he or she is in the Magellan network. If your provider is not in the Magellan network, you will need to select another provider for your 2014 visits. To see if your provider is in the Magellan network, visit or call Pay Less for Medical Coverage Next Year You ll continue to be rewarded for participating in activities that contribute to your overall health and wellness. Look for information in the first quarter about opportunities to earn wellness discounts in 2014 and pay less for medical coverage in

6 Health Care Reform and Your BMC Benefits BMC continues to revise our medical plans to comply with the changing health care reform law requirements. We will continue to review changes mandated by the federal government, assess their cost impact on our plans, and make adjustments as required. To learn more about health care reform and your BMC benefits, visit What if I don t enroll by November 15? In most cases, coverage will remain the same if you do not actively enroll during the enrollment period. However, some things will NOT stay the same for 2014: If you are enrolled in the HMO Plan, you will pay increased monthly costs for medical coverage in Your coverage will automatically transition to our new health care partners for the HSA and PPO medical plans, the Dental Plan, and the EAP. If you are enrolled in supplemental life and disability, you will pay lower monthly costs for coverage. Your current Flexible Spending Accounts (FSAs) and Health Savings Account (HSA) elections will be set at $0. BMC s contributions to your Health Savings Account will continue for Remember, your FSA and HSA elections do not carry over from year to year. 5

7 Annual Benefits Enrollment will take place between November 4 and November 15, Enroll online starting November 4 by logging on to My BMC Compensation and Benefits. You can enroll by: Visiting mybmcrewards.com and clicking on the Enroll Now! link. Visiting mybmcbenefits.com and reading details about benefits changes for Click on the Enroll Now link to enroll or change your benefits. You can also enroll by phone with a Benefits Center representative at , between 8 a.m. and 9 p.m., Eastern time, Monday through Friday. For your protection, your user ID and password will be required. Want to Learn More About Annual Enrollment? Scan the code with your smartphone to go to mybmcbenefits.com. Looking Ahead This brochure is just step one in learning about your benefit choices for Watch your for annual enrollment updates and for information on employee meetings (held at larger locations), WebEx meetings and more. This information is only a summary. The provisions of the benefit plan documents, the current BMC Software, Inc. (the Company) policies and the insurance policies as applicable will determine your actual benefits. If there is a conflict between this document and the plan/company policies or documents, the plan/company policies or documents will govern. The Plan Administrator has the final discretionary authority to determine all issues arising under the benefit plans it administers, including issues of interpretation, eligibility, benefits and factual determination. If there is a conflict between this guide and a determination or interpretation made by the Plan Administrator, the interpretation adopted by the Plan Administrator will govern. 10/2013

8 BMC Software 2101 CityWest Blvd Houston, Texas Presorted First Class Mail US Postage Paid Dallas, TX Permit #777 about your BMC benefits Sign Up for Text Alerts Would you like to stay on top of what s important in BMC benefits? You can register your mobile phone number to receive text reminders* about annual enrollment deadlines and wellness programs, as well as other BMC benefits-related information. To subscribe, text BMCBENEFITS to from your mobile phone. *Text messaging fees may apply depending on your mobile phone plan.

Annual enrollment is Oct. 30 Nov. 10

Annual enrollment is Oct. 30 Nov. 10 Annual enrollment is Oct. 30 Nov. 10 Choices as unique as you are It s your chance to change your benefits for 2018. To get started, use the benefits checklist inside. More information will be provided

More information

2015 ANNUAL BENEFITS ENROLLMENT FOR COBRA PARTICIPANTS

2015 ANNUAL BENEFITS ENROLLMENT FOR COBRA PARTICIPANTS Phillips 66 2015 ANNUAL BENEFITS ENROLLMENT FOR COBRA PARTICIPANTS 2015 ANNUAL BENEFITS ENROLLMENT FOR COBRA PARTICIPANTS October 31 November 21, 2014 ANNUAL BENEFITS ENROLLMENT 101: THE BASICS You must

More information

Important Information About Your 2013 Benefits Enroll or make changes November 26 December 7, 2012

Important Information About Your 2013 Benefits Enroll or make changes November 26 December 7, 2012 If you don t take action you will have no coverage for 2013. Important Information About Your 2013 Benefits Enroll or make changes November 26 December 7, 2012 Things to Know If you do nothing, you will

More information

Frequently Asked Questions: HDHP with HSA 2011 Annual Enrollment. What s New for 2011

Frequently Asked Questions: HDHP with HSA 2011 Annual Enrollment. What s New for 2011 Frequently Asked Questions: HDHP with HSA What s New for 2011 1. Will my High Deductible Health Plan with Health Savings Account (HDHP with HSA) vendor be the same in 2011? 2. If my medical plan vendor

More information

Pathways VILLANOVA UNIVERSITY Benefits Open Enrollment Guide

Pathways VILLANOVA UNIVERSITY Benefits Open Enrollment Guide 2016-2017 Pathways 2015-2016 VILLANOVA UNIVERSITY Benefits Open Enrollment Guide HUMAN RESOURCES April 18 April 29, 2016 A Letter from the Senior Director of Benefits, Compensation and Employment Dear

More information

MAKE THE MOST OF YOUR HEALTH PLAN

MAKE THE MOST OF YOUR HEALTH PLAN CONGRATULATIONS! You enrolled in the HSA Gold Plan or the HSA Silver Plan. This guide will provide tips and tools to help you save money while giving you more control over your health care spending. Get

More information

2017 Open Enrollment. Lighting Benefits Choices Make your benefit choices: October 17 31, Your health & well-being

2017 Open Enrollment. Lighting Benefits Choices Make your benefit choices: October 17 31, Your health & well-being Lighting Benefits Choices 2017 2017 Open Enrollment Your health & well-being Make your benefit choices: October 17 31, 2016 Philips Lighting 2017 Decision Guide Choosing benefits for 2017 Enroll in your

More information

Communications Tailored For You page thumbnail. Explore more online

Communications Tailored For You page thumbnail. Explore more online ENROLLMENT GUIDE FOR UTC CHOICE EMPLOYEES 2017 Annual Enrollment This year s Annual Enrollment will look and feel new, but the goal is the same a successful enrollment and a healthy you! Prepare to Enroll

More information

WHAT S NEW FOR Helping You Thrive. Active Employees DOW U.S. BENEFITS. Inside Annual Enrollment November 4 November 20, 2015

WHAT S NEW FOR Helping You Thrive. Active Employees DOW U.S. BENEFITS. Inside Annual Enrollment November 4 November 20, 2015 2016 Annual Enrollment November 4 November 20, 2015 Active Employees DOW U.S. BENEFITS WHAT S NEW FOR 2016 Helping You Thrive The most important element in our Company s success is you, the Human Element.

More information

ANNUAL ENROLLMENT: STRAIGHT AHEAD

ANNUAL ENROLLMENT: STRAIGHT AHEAD ANNUAL ENROLLMENT: STRAIGHT AHEAD Enroll Oct. Nov. 4, 07 IT S THAT TIME AGAIN. TIME TO ENROLL FOR YOUR BENEFITS. It s important to review your choices and determine what is best for you and your family.

More information

2018 Benefits Highlights For Full-Time and ACA Eligible Employees

2018 Benefits Highlights For Full-Time and ACA Eligible Employees 2018 Benefits Highlights For Full-Time and ACA Eligible Employees Your Guide to What s Changing and Your Benefits for 2018 Enrollment Health Care Income Protection And More... Know What s Changing for

More information

Good news! BUT there are still changes you need to be aware of.

Good news! BUT there are still changes you need to be aware of. Good news! As part of the efforts to make Sprint a great place to work, there are no increases to costs for medical, dental and vision plans for 2018. This includes premiums, plan deductibles and out-of-pocket

More information

2017 www.mympcbenefits.com Benefits Enrollment Benefits effective on the date you enroll 60 days to enroll Dependents Cannot be added until documentation is received Basic Benefits Definitions Health

More information

medical PPO plan tobacco surcharge new monthly premium cost second opinion for certain surgeries Medical PPO Plan

medical PPO plan tobacco surcharge new monthly premium cost second opinion for certain surgeries Medical PPO Plan medical PPO plan Aside from the switch to a new claims administrator (see Page 5) Anthem Blue Cross this section provides more detail about other changes to the Chevron Medical PPO Plan that will be offered

More information

Simple Steps, Easy Enrollment

Simple Steps, Easy Enrollment Your Quick-Start Guide for 2012 Annual Benefits Enrollment Simple Steps, Easy Enrollment Take action by October 25, 2011! Powering you to live well. What s New for 2012 Three Medical Options Healthcare

More information

2018 Benefits Open Enrollment: October 23 November 3

2018 Benefits Open Enrollment: October 23 November 3 2018 Benefits Open Enrollment: October 23 November 3 Campus Open Enrollment Benefits Fair Schedule Campus/Location Date Time University of New Hampshire School Monday 11:30 a.m. 1:00 p.m. of Law Concord

More information

My Choice. Learn/know/Compare

My Choice. Learn/know/Compare My Choice Learn/know/Compare Enroll 2019 Benefits Enrollment 2 This is your opportunity to choose the benefits you want for you and your family. You must enroll within 30 days of Date of Hire or Status

More information

2017 Annual Enrollment

2017 Annual Enrollment ENROLLMENT GUIDE FOR UTAS ROCKFORD EMPLOYEES COVERED BY A COLLECTIVE BARGAINING AGREEMENT RATIFIED IN 2015 2017 Annual Enrollment This year s Annual Enrollment will look and feel new, but the goal is the

More information

Pathways VILLANOVA UNIVERSITY Benefits Open Enrollment Guide

Pathways VILLANOVA UNIVERSITY Benefits Open Enrollment Guide Pathways 2015-2016 2019-2020 VILLANOVA UNIVERSITY Benefits Open Enrollment Guide HUMAN RESOURCES March 18 March 29, 2019 A Letter from the Assistant Vice President, Human Resources Dear Colleague, Benefits

More information

Phillips ANNUAL BENEFITS ENROLLMENT FOR PRE-65 RETIREES. The First Step in Your Wellness Journey

Phillips ANNUAL BENEFITS ENROLLMENT FOR PRE-65 RETIREES. The First Step in Your Wellness Journey Phillips 66 2014 ANNUAL BENEFITS ENROLLMENT FOR PRE-65 RETIREES The First Step in Your Wellness Journey 2014 ANNUAL BENEFITS ENROLLMENT FOR PRE-65 RETIREES Nov. 1 Nov. 22, 2013 your HEALTH. Your wellness

More information

What s New in Healthy Advantage Option and Health Savings Account

What s New in Healthy Advantage Option and Health Savings Account What s New in 2015 Healthy Advantage Option and Health Savings Account The Healthy Advantage Option is a consumer-directed health plan with a Health Savings Account (HSA), which provides a unique way to

More information

Page Group 1 Corporate (Salary & Hourly) and Salaried Employees

Page Group 1 Corporate (Salary & Hourly) and Salaried Employees Page 1 2016 Group 1 Corporate (Salary & Hourly) and Salaried Employees What This Presentation Covers Eligibility Medical Plans Dental Plans Vision Plan Flexible Spending Accounts (FSAs) Life and AD&D Insurance

More information

HELLO, ENROLLMENT. your benefits Oct. 25 Nov. 8

HELLO, ENROLLMENT. your benefits Oct. 25 Nov. 8 Choose HELLO, ENROLLMENT. your benefits Oct. 5 Nov. 8 ARE YOU READY? IT S TIME TO ENROLL! It s important to review your choices and determine what coverage makes sense for you and your family. Take a look

More information

A Step-By-Step Guide To Enrolling In Your Benefits On The Your Benefits Resources TM (YBR) Web Site It s Easy!

A Step-By-Step Guide To Enrolling In Your Benefits On The Your Benefits Resources TM (YBR) Web Site It s Easy! A Step-By-Step Guide To Enrolling In Your Benefits On The Your Benefits Resources TM (YBR) Web Site It s Easy! The Your Benefits Resources TM (YBR) Web site is home to all of the tools and resources you

More information

We ve Got You Covered.

We ve Got You Covered. We ve Got You Covered. 2018 U.S. Health & Welfare Annual Enrollment November 6-17, 2017 UNDER ROOF The Newell Brands family is under one roof with a new benefits program for 2018. Here are the many valuable

More information

FREQUENTLY ASKED QUESTIONS

FREQUENTLY ASKED QUESTIONS FREQUENTLY ASKED QUESTIONS Annual Enrollment GENERAL What s changing for 2017? How did Progressive determine the rates for our medical plans in 2017? Who can I cover on my benefits? Can I make a change

More information

Detailed 2019 benefits information is available on 2019 Benefits. resource at

Detailed 2019 benefits information is available on 2019 Benefits. resource at 2019 BeneFlex Changes and Checklist For Eligible Employees in the DuPont U.S. Benefit Plans Take Note! Employees in Hawaii and Puerto Rico, and expatriates on international assignment: This information

More information

Choices as unique as you are

Choices as unique as you are 2018 Benefits It s time to choose your benefits. To get started, use the checklist inside and also visit bswhbenefits.com. Choices as unique as you are Eligibility We offer a full menu of benefits to eligible

More information

medical PPO plan Find a provider medical PPO option 1 no longer offered New monthly premium cost prescription drug program

medical PPO plan Find a provider medical PPO option 1 no longer offered New monthly premium cost prescription drug program medical PPO plan Aside from the switch to a new claims administrator Anthem Blue Cross this section provides more detail about other changes to the Chevron Medical PPO Plan that will be offered to pre

More information

Introducing the benefits of the HDHP. Get the most out of the High Deductible Health Plan

Introducing the benefits of the HDHP. Get the most out of the High Deductible Health Plan Introducing the benefits of the HDHP Get the most out of the High Deductible Health Plan HDHP Comparing the HDHP to Lehigh s other health plan offerings. There are many similarities between the HDHP and

More information

2019 OPEN ENROLLMENT FREQUENTLY ASKED QUESTIONS

2019 OPEN ENROLLMENT FREQUENTLY ASKED QUESTIONS 2019 OPEN ENROLLMENT FREQUENTLY ASKED QUESTIONS Updated 10/19/2018 Open Enrollment... 3 ELIGIBILITY... 5 Dependent Eligibility... 5 Part-Time Eligibility... 6 Medical... 6 Savings & Spending Accounts...

More information

Welcome to NetApp Benefits

Welcome to NetApp Benefits Welcome to NetApp Benefits 2 You bring your best to NetApp every day so, NetApp helps you bring your best to life at work and at home. My Wellbeing My Life As a member of the NetApp team, you re an important

More information

BENEFITS ENROLLMENT

BENEFITS ENROLLMENT 2018 2019 BENEFITS ENROLLMENT Open Enrollment begins February 12, 2018. This is your annual opportunity to choose the benefits coverage that s right for you and your family. You will have until March 2,

More information

PRESENTATION FOR GROUP 2 EMPLOYEES OCTOBER 2016 SYKES 2017 BENEFITS ANNUAL ENROLLMENT

PRESENTATION FOR GROUP 2 EMPLOYEES OCTOBER 2016 SYKES 2017 BENEFITS ANNUAL ENROLLMENT PRESENTATION FOR GROUP 2 EMPLOYEES OCTOBER 2016 SYKES 2017 BENEFITS ANNUAL ENROLLMENT WHAT THIS PRESENTATION COVERS Eligibility What s New for 2017 When and How to Enroll Medical Plans Dental Plan Vision

More information

Take the Wheel. Benefits for the Road Ahead Open Enrollment Highlights Brochure

Take the Wheel. Benefits for the Road Ahead Open Enrollment Highlights Brochure Take the Wheel Benefits for the Road Ahead 2017 Open Enrollment Highlights Brochure Start Your Engines This is your annual opportunity to ensure you and your family have the benefit coverage you need.

More information

BENEFITS ENROLLMENT

BENEFITS ENROLLMENT 2018 2019 BENEFITS ENROLLMENT Open Enrollment begins February 12, 2018. This is your annual opportunity to choose the benefits coverage that s right for you and your family. You will have until March 2,

More information

Your Health, Your Benefits Make It Yours. Eligibility and Enrollment. Benefits Enrollment

Your Health, Your Benefits Make It Yours. Eligibility and Enrollment. Benefits Enrollment Your Health, Your Benefits Make It Yours Better health starts with you. And we re committed to giving you the tools to help you get there. Please read through this and all other enrollment materials located

More information

high deductible health plan basic

high deductible health plan basic high deductible health plan basic The Chevron HDHP Basic (HDHP Basic) is a new plan choice that will be offered in 2017. With this plan, you pay a low monthly premium in exchange for a high deductible.

More information

BENEFITS ENROLLMENT

BENEFITS ENROLLMENT 2019 2020 BENEFITS ENROLLMENT Open Enrollment begins February 18, 2019. This is your annual opportunity to choose the benefits coverage that s right for you and your family. You will have until March 1,

More information

Welcome to ConocoPhillips!! Effective January 1, 2017

Welcome to ConocoPhillips!! Effective January 1, 2017 Welcome to ConocoPhillips!! Effective January 1, 2017 2 Benefits Overview Medical Option Comparison Network Features HDHP Base HDHP with HSA PPO Monthly Cost* You Only/ You + Child You + Spouse/ You+Children

More information

2015 BENEFIT CHANGES FREQUENTLY ASKED QUESTIONS

2015 BENEFIT CHANGES FREQUENTLY ASKED QUESTIONS Oct. 1, 2014 2015 BENEFIT CHANGES FREQUENTLY ASKED QUESTIONS Changes to The Hartford s 2015 Health Plan Options Consumer-Directed Health Plan (CDHP) Options Health Savings Accounts (HSA) Healthy Lifestyle

More information

Click on a section or question to be taken directly to the answer you re looking for, or read through all the questions and answers.

Click on a section or question to be taken directly to the answer you re looking for, or read through all the questions and answers. Frequently Asked Questions: HDHP with HSA 2012 Annual Enrollment Table of Contents Click on a section or question to be taken directly to the answer you re looking for, or read through all the questions

More information

Annual Enrollment for 2014 Benefits November 5-19

Annual Enrollment for 2014 Benefits November 5-19 Annual Enrollment for 2014 Benefits November 5-19 Agenda 2014 changes and your annual enrollment options Important considerations HDHP-HSA: The HDHP is getting even better Benefit changes and premiums

More information

Let us help you choose the health insurance plan that fits you best

Let us help you choose the health insurance plan that fits you best Let us help you choose the health insurance plan that fits you best Call 800-531-4456, visit bcbstx.com or contact an independent Blue Cross and Blue Shield of Texas agent to get a quote today. Life is

More information

2011 Retiree Benefits News

2011 Retiree Benefits News 2011 Retiree Benefits News For Legacy Schering-Plough Retirees October 2010 Welcome to the 2011 Annual Enrollment OCTOBER 22, 2010 NOVEMBER 12, 2010 Each year during the Annual Enrollment period, you have

More information

Benefits What s New. 1 Rev cnt

Benefits What s New. 1 Rev cnt US 2014 Benefits What s New 1 Rev. 10.23.13 US Benefits Open Enrollment Overview The US Benefits Open Enrollment is your annual opportunity to review your current ORACLEflex benefit elections and make

More information

Benefits Overview. For U.S. Hourly Bargaining Employees Group 17

Benefits Overview. For U.S. Hourly Bargaining Employees Group 17 2016 Benefits Overview For U.S. Hourly Bargaining Employees Group 17 At Packaging Corporation of America (PCA), we recognize the importance of providing competitive benefits benefits that help you achieve

More information

2017 Open Enrollment is October 31 November 18, 2016

2017 Open Enrollment is October 31 November 18, 2016 Non-Union Support Staff and Local 2110 2017 Open Enrollment is October 31 November 18, 2016 Your Columbia University Benefits As a member of Non-Union Support Staff or Local 2110, you can take advantage

More information

Frequently Asked Questions

Frequently Asked Questions Remember: You Must Enroll for Benefits November 9-20, 2015! Frequently Asked Questions Have questions about Annual Open Enrollment for 2016 benefits? Chances are you re not the only one. Here are some

More information

Employee Benefits Overview. Plan Year: July 1, June 30, 2019

Employee Benefits Overview. Plan Year: July 1, June 30, 2019 Employee Benefits Overview Plan Year: July 1, 2018 - June 30, 2019 Welcome to BSI s 2018-19 Benefits Program! The success of BSI is directly related to talented and dedicated employees like yourself.

More information

Employee Benefits Guide

Employee Benefits Guide Employee Benefits Guide 2019 Non-Union Bi-Weekly If you or your dependents have Medicare or will become eligible for Medicare in the next 12 months, a federal law gives you more choices about your prescription

More information

2017 Koch Enrollment Guide for Interns and Co-ops

2017 Koch Enrollment Guide for Interns and Co-ops Welcome As an intern or co-op student working at a Koch company, we want to make it simple and convenient for you to obtain medical coverage for yourself and your dependents. The Affordable Care Act (ACA)

More information

Life is Full of Important Choices

Life is Full of Important Choices * Life is Full of Important Choices Let us help you make the right choice for your 2017 Medicare insurance. Your Guide to Medicare Supplement Insurance from Blue Cross and Blue Shield of Texas, a Division

More information

2018 Retiree Choice Annual Enrollment Guide

2018 Retiree Choice Annual Enrollment Guide 2018 Retiree Choice Annual Enrollment Guide October 25 through November 8, 2017 Enrolling What You Need to Do Payment Options How to Enroll What s New for 2018? Here are the benefit changes that will be

More information

BENEFITS FREQUENTLY ASKED QUESTIONS NEW YORK DAILY NEWS

BENEFITS FREQUENTLY ASKED QUESTIONS NEW YORK DAILY NEWS 2017-2018 BENEFITS FREQUENTLY ASKED QUESTIONS NEW YORK DAILY NEWS Table of Contents BENEFIT ENROLLMENT... 3 DEPENDENT ELIGIBILITY... 4 MEDICAL AND PRESCRIPTION DRUG INFORMATION... 5 SAVINGS, SPENDING AND

More information

Medical Benefits Trust

Medical Benefits Trust UAW RETIREE Medical Benefits Trust Dear UAW Trust Member, HEALTH CARE BENEFIT HIGHLIGHTS 2018 At the UAW Retiree Medical Benefits Trust (the Trust ), we recognize how important health care benefits are

More information

Part-Time Employees BENEFITS GUIDE

Part-Time Employees BENEFITS GUIDE 2015-2016 Part-Time Employees BENEFITS GUIDE We are excited to offer you a robust, comprehensive and flexible benefits package that can fit your needs and those of your family. Our most important goal

More information

For Participants in the Management Retiree Plan Design

For Participants in the Management Retiree Plan Design INFORMATION AND ACTION GUIDE 2012 Benefits Enrollment This package contains everything you need to make your enrollment decisions, including: This guide; Your personalized enrollment worksheet; and Benefits

More information

Custom Benefit Program Enrollment Guide

Custom Benefit Program Enrollment Guide Hertz 2017-2018 Custom Benefit Program Enrollment Guide for Hawaii New Hires If you are covered by a collective bargaining agreement that has not provided for participation in all or some of the benefits

More information

Welcome to your Premera health plan

Welcome to your Premera health plan Welcome to your Premera health plan Plug in to the power of your plan Power up your plan at premera.com Find in-network doctors, urgent care, pharmacies, and hospitals. Get details of your plan in your

More information

2019 Open Enrollment

2019 Open Enrollment 2019 Open Enrollment Medical Overview Plans for 2019 The $2,700 High Deductible Plan (HSA) will remain the same The $3,000 Deductible PPO Plan will be increased to a $3,500 Deductible PPO Plan. The $950

More information

Department of Defense Nonappropriated Fund Health Benefits Program. What s New in 2017 with your NAF Benefits

Department of Defense Nonappropriated Fund Health Benefits Program. What s New in 2017 with your NAF Benefits Department of Defense Nonappropriated Fund Health Benefits Program What s New in 2017 with your NAF Benefits DoD NAF Open Enrollment: November 7 December 2, 2016 Get prepared for Open Enrollment During

More information

Annual Enrollment for 2013 Health Benefits

Annual Enrollment for 2013 Health Benefits Annual Enrollment for 2013 Health Benefits Highlights Annual enrollment is Nov. 6-20 for 2013 benefits This is the only time you can make changes, except for qualified life events For most TIers, all health

More information

Employee Benefits 2015 Open Enrollment. Monday, April 27 Friday, May 15

Employee Benefits 2015 Open Enrollment. Monday, April 27 Friday, May 15 Employee Benefits 2015 Open Enrollment Monday, April 27 Friday, May 15 Do I need to do anything? Re-enroll if you need to Add, cancel, or change your health, dental, or vision plan. Add or remove a spouse,

More information

Custom Benefit Program Enrollment Guide

Custom Benefit Program Enrollment Guide Hertz 2017-2018 Custom Benefit Program Enrollment Guide for New Hires If you are covered by a collective bargaining agreement that has not provided for participation in all or some of the benefits provided

More information

Simple Steps, Easy Enrollment

Simple Steps, Easy Enrollment Your Quick-Start Guide for 2012 Annual Benefits Enrollment Simple Steps, Easy Enrollment Take action by October 25, 2011! Powering you to live well. What s New for 2012 Two Medical Options Healthcare 80

More information

2018 MEDICAL AND DEPENDENT CARE FLEXIBLE BENEFITS ENROLLMENT ENROLLMENT PERIOD IS OCTOBER 1, 2017 TO OCTOBER 31, 2017

2018 MEDICAL AND DEPENDENT CARE FLEXIBLE BENEFITS ENROLLMENT ENROLLMENT PERIOD IS OCTOBER 1, 2017 TO OCTOBER 31, 2017 2018 MEDICAL AND DEPENDENT CARE FLEXIBLE BENEFITS ENROLLMENT ENROLLMENT PERIOD IS OCTOBER 1, 2017 TO OCTOBER 31, 2017 Note: If you enrolled in the CDHP health plan with the Health Savings Account you cannot

More information

Get started with the basics of Medicare

Get started with the basics of Medicare Get started with the basics of Medicare innovationhealthmedicare.com 71.02.315.1 (3/18) You have a lot of choices for Medicare coverage. And you probably have a lot of questions, too. A C B D So let s

More information

Your Spending Account

Your Spending Account Your Spending Account Agenda Welcome to Your Spending Account How the HRA (YSA) differs from the HSA (Bancorp) Top 5 HRA questions Your Spending Account Overview Proprietary & Confidential September 2014

More information

Introduction to Your District Sponsored Benefits

Introduction to Your District Sponsored Benefits Introduction to Your District Sponsored Benefits Benefits Education and Enrollment The Olathe Public Schools Recognizes the importance of benefits within the overall compensation package provided to all

More information

Employee Benefits All Regular Help Employees Excluding General Unit and Social Services Workers

Employee Benefits All Regular Help Employees Excluding General Unit and Social Services Workers Employee Benefits 2018 All Regular Help Employees Excluding General Unit and Social Services Workers Table of Contents Table of Contents About Your Benefits 3 Medical Benefits 4 Dental Benefits 10 Vision

More information

Life is Full of Important Choices

Life is Full of Important Choices Life is Full of Important Choices Let us help you make the right choice for your 2017 Medicare insurance. * ot connected with or endorsed N by the U.S. Government or Federal Medicare Program. ILMSDG16REV0417

More information

Continuing State Group Insurance Benefits as a Retiree

Continuing State Group Insurance Benefits as a Retiree Continuing State Group Insurance Benefits as a Retiree Erin Rock, Secretary Be sure to keep your address up-todate in People First Learning More Once action is entered in People First - State Group Insurance

More information

Open Enrollment Starts April 10, 2017

Open Enrollment Starts April 10, 2017 Benefits Enrollment Guide 2017 2018 For Benefits Effective July 1, 2017 Welcome to 2017 2018 Open Enrollment for Gilbert Public Schools (GPS). During the plan year, July 1, 2017 through June 30, 2018,

More information

ANNUAL ENROLLMENT: STRAIGHT AHEAD

ANNUAL ENROLLMENT: STRAIGHT AHEAD ANNUAL ENROLLMENT: STRAIGHT AHEAD Enroll Oct. Nov., 07 IT S THAT TIME AGAIN. TIME TO ENROLL FOR YOUR BENEFITS. It s important to review your choices and determine what is best for you and your family.

More information

UAW Retiree Medical Benefits Trust Annual Notice of Changes for 2017

UAW Retiree Medical Benefits Trust Annual Notice of Changes for 2017 Medicare Plus Blue SM Group PPO offered by Blue Cross Blue Shield of Michigan UAW Retiree Medical Benefits Trust Annual Notice of Changes for 2017 You are currently enrolled as a member of Medicare Plus

More information

Please read annual enrollment. Important changes are coming to the BP Retiree Medical Plan. October 24 November 4

Please read annual enrollment. Important changes are coming to the BP Retiree Medical Plan. October 24 November 4 Please read Important changes are coming to the BP Retiree Medical Plan. 2017 annual enrollment October 24 November 4 What s inside? 2 3 5 7 9 10 11 13 What s changing Compare your new coverage How it

More information

Welcome to Annual Benefits Enrollment! October 16, 2015 November 2, 2015

Welcome to Annual Benefits Enrollment! October 16, 2015 November 2, 2015 Welcome to Annual Benefits Enrollment! October 16, 2015 November 2, 2015 During annual enrollment, you have the opportunity to review all of the benefits options available to you and to make changes for

More information

2017 Annual Enrollment

2017 Annual Enrollment 2017 Annual Enrollment U.S. Employees Benefits Meeting 1 U.S. Employees Benefits Meeting U.S. Benefits Team 2 Overview BMC provides you: Competitive, quality benefit options for your whole family Tools

More information

2017 Open Enrollment is October 31 November 18, 2016

2017 Open Enrollment is October 31 November 18, 2016 TWU 2017 Open Enrollment is October 31 November 18, 2016 Your Columbia University Benefits As a member of TWU, you can take advantage of a comprehensive benefits package. Now is the time to review your

More information

Investing in You. Choose Your Benefits. My Choice. Enroll. Learn/Know/Compare Review your options to find the best deal for you and your family.

Investing in You. Choose Your Benefits. My Choice. Enroll. Learn/Know/Compare Review your options to find the best deal for you and your family. My Choice Investing in You Choose Your Benefits Learn/Know/Compare Review your options to find the best deal for you and your family. Enroll Make your 2019 elections before your enrollment deadline. At

More information

Medical and Dental HMO Summary Plan Description (SPD) Effective January 1, 2014

Medical and Dental HMO Summary Plan Description (SPD) Effective January 1, 2014 Human Energy. Yours. TM Medical and Dental HMO (SPD) Effective January 1, 2014 Effective January 1, 2014 COBRA/Continuation Coverage Page 1 This document provides information about the Medical and Dental

More information

Benefits Open Enrollment Guide

Benefits Open Enrollment Guide Benefits Open Enrollment Guide 2018 Benefits Open Enrollment BENEFITS OPEN ENROLLMENT: November 1 - November 15, 2017 2018 It s About... Your Life. Your Benefits. Benefits Open Enrollment is Here As we

More information

EMPLOYEE USER GUIDE 10/03/ /27/2017

EMPLOYEE USER GUIDE 10/03/ /27/2017 EMPLOYEE USER GUIDE Open Enrollment 2018 10/03/2017 10/27/2017 browardschools.com/benefits TABLE OF CONTENTS PAGE # EMPLOYEE CHECKLIST 1 OPT-OUT PROCESS... 2 LIFE INSURANCE.. 3 DOMESTIC PARTNER ENROLLMENT

More information

WHAT S INSIDE. BENEFITS FOR A FULL LIFE At work or at play, we ve got your back. Tax-advantaged accounts. Benefits eligibility. Medical plan overview

WHAT S INSIDE. BENEFITS FOR A FULL LIFE At work or at play, we ve got your back. Tax-advantaged accounts. Benefits eligibility. Medical plan overview 08 BENEFITS GUIDE BENEFITS FOR A FULL LIFE At work or at play, we ve got your back. Hiking fanatic. Fearless rock climber. Stylish glamper. Whatever your passion, you need to be prepared for the unexpected.

More information

FSA with CrossTech. Enrollment Kit. What s inside: Getting to Know: FSA with CrossTech. Eligible Expenses. CrossTech Overview & Authorization Form

FSA with CrossTech. Enrollment Kit. What s inside: Getting to Know: FSA with CrossTech. Eligible Expenses. CrossTech Overview & Authorization Form FSA with CrossTech Enrollment Kit What s inside: Getting to Know: FSA with CrossTech Eligible Expenses CrossTech Overview & Authorization Form Grace Period Overview Participant Web Site & Mobile App Overview

More information

2018 OPEN ENROLLMENT FREQUENTLY ASKED QUESTIONS

2018 OPEN ENROLLMENT FREQUENTLY ASKED QUESTIONS 2018 OPEN ENROLLMENT FREQUENTLY ASKED QUESTIONS Updated 10/27/2017 Open Enrollment... 3 ELIGIBILITY... 5 Dependent Eligibility... 5 Part-Time Eligibility... 6 Medical... 7 Savings & Spending Accounts...

More information

The Archdiocese of Chicago Department of Human Resources

The Archdiocese of Chicago Department of Human Resources The Archdiocese of Chicago Department of Human Resources This pamphlet is intended to be a summary of the benefit plans for 2009. For a more detailed explanation, please refer to the 2009 Employee Overview

More information

HSA Account Based Health Plan with Health Savings Account Guide. Benefits LEAD WAY THE

HSA Account Based Health Plan with Health Savings Account Guide. Benefits LEAD WAY THE HSA Account Based Health Plan with Health Savings Account Guide Benefits 2018 LEAD WAY THE You re in control with an Account-Based Health Plan Philips believes an Account-Based Health Plan (ABHP) with

More information

Benefits Guide. A quick reference guide

Benefits Guide. A quick reference guide 2018 Benefits Guide A quick reference guide Welcome to your 2018 Katy ISD benefits As always, we re here to help. If you have any questions, just give a Benefits Outlook specialist a call at 866-222-KISD

More information

Your Benefits Connected

Your Benefits Connected Annual Enrollment 2013: November 7 through 21 Your Benefits Connected It s Time to Review Your Verizon Benefit Options BenefitsConnection www.verizon.com/benefitsconnection Annual Enrollment will begin

More information

Partners in health. Benefits 2017

Partners in health. Benefits 2017 Partners in health Benefits 2017 2017 benefits Fitting the pieces together Today we ll talk about: The good news for 2017 What s open enrollment? Thinking through the open enrollment process Some changes

More information

EMPLOYEE BENEFITS GUIDE

EMPLOYEE BENEFITS GUIDE 2018 EMPLOYEE BENEFITS GUIDE IN THIS GUIDE Eligibility and Participation...1 Employee Eligibility Dependent Eligibility Enrolling and Making Changes to Your Benefits Semi-Monthly Costs for Coverage...2

More information

Mandatory Online Open Enrollment November 9-23, 2015

Mandatory Online Open Enrollment November 9-23, 2015 Mandatory Online Open Enrollment November 9-23, 2015 MVPOE16 All enrollees eligible for coverage must enroll. If you want to keep your current coverage, you must enroll online. If you waive your insurance

More information

Health Savings Account (HSA) Frequently Asked Questions

Health Savings Account (HSA) Frequently Asked Questions What is an HSA? An HSA is a personal bank account created exclusively for individuals to pay for eligible health expenses and save for future healthcare expenses tax free. Am I eligible to contribute to

More information

2018 Assurant Affiliate Benefits Program

2018 Assurant Affiliate Benefits Program 2018 Assurant Affiliate Benefits Program Guide for New Employees Eligibility for the Assurant Affiliate Benefits Program Review the eligibility rules (MyAssurantBenefits.com > Assurant Affiliate Benefits

More information

Annual Enrollment Meetings

Annual Enrollment Meetings Non-Union Annual Enrollment Meetings Hussmann Corporation Non-Union Benefit Overview Effective January 1, 2014 Optional Benefits Medical/Pharmacy (PPO & CHP) Health Savings Account (HSA) Flexible Spending

More information

2017 Annual Enrollment Guide

2017 Annual Enrollment Guide 2017 Annual Enrollment Guide Get Started Today Annual Enrollment is your opportunity to make decisions about your health and insurance coverage for next year. You can get started today by: Learning about

More information

2018 Open Enrollment October 16 November 3, 2017

2018 Open Enrollment October 16 November 3, 2017 2018 Open Enrollment October 16 November 3, 2017 At Henkel, our employees are the cornerstone of our success and your well-being is a top priority. Henkel reviews its employee benefits program each year

More information

2017 Assurant Benefits Program

2017 Assurant Benefits Program 2017 Assurant Benefits Program Guide for New Employees Eligibility for the Assurant Benefits Program Review the eligibility rules (MyAssurantBenefits.com > Benefits > Eligibility and Dependents) to determine

More information