CHOOSING THE RIGHT BENEFITS FOR YOU AND YOUR FAMILY

Transcription

1 YOUR 2018 BENEFITS YOUR GUIDE TO 2018 BENEFITS ROCKFORD/COLORADO CHOOSING THE RIGHT BENEFITS FOR YOU AND YOUR FAMILY I

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3 YOUR 2018 BENEFITS CONTENTS Ope Erollmet 2 What s New i Who Is Eligible to Eroll 4 How to Eroll 5 Medical ad Prescriptio Drug Beefits 6 Detal Beefits 13 Visio Beefits 14 Health Care Premiums 15 Flexible Spedig Accouts (FSAs) 16 Life ad AD&D Isurace 18 Disability Isurace ad EAP 20 Vacatio 21 Volutary Beefits Itroductio 22 Group Auto & Home Isurace 23 Whole Life Isurace 25 Critical Illess Isurace 26 Hyatt Legal Pla 27 Telephoe ad Website Directory 28 This Beefits Guide cotais highlights oly ad is subject to chage. The specific terms of coverage, exclusios, ad limitatios are detailed i the Pla Documets or isurace certificates. If you have ay questios, please cotact your local Beefits Admiistrator. You may also refer to the Telephoe ad Website Directory page of this guide for a list of phoe umbers. 1

4 OPEN ENROLLMENT NOVEMBER 1 - NOVEMBER 8 Ope Erollmet is the time to review your beefits, cosider what s ew for 2018, ad choose the beefits that will best meet your eeds i the comig year. Durig this time, you ll have a chace to eroll i, chage, or waive your Medical/Prescriptio Drug, Detal/Visio, Health Care ad Depedet Care Flexible Spedig Accouts, ad Volutary Coverage Optios. This guide is desiged to assist you i that process. Below are importat steps you should take to make your beefit selectios. Read this Beefits Guide carefully to uderstad each beefit pla ad the steps to follow to eroll i your 2018 beefits or chage your curret electios. Review the Medical Pla Summary of Beefits ad Coverage (SBC) icluded i this mailig. You ca also review the SBC Uiform Glossary at Note: The Coverage Examples i the SBC do ot reflect the Health Reimbursemet Accout (HRA), PrevetiveRx, or the 100% beefit for services received withi the Woodward Health Ceter. If you have questios regardig the pla optios or eed assistace related to the Ope Erollmet process, please cotact your local Beefits Admiistrator. Visit This site provides more detailed iformatio about the beefits ad your coverage optios. 2

5 YOUR 2018 BENEFITS WHAT S NEW IN 2018 Effective Jauary 2018, CVS Caremark will be Woodward s ew pharmacy provider for the Athem admiistered health plas, replacig Express Scripts ad Accredo Specialty Pharmacy. You ll be able to choose from more tha 68,000 retail pharmacies atiowide, icludig idepedet pharmacies, ad chai pharmacies such as Walmart, Walgrees, Meijer, Shopko, Kig Sooper, ad 9,600 CVS locatios (icludig those iside Target stores). We thik you ll fid the ehaced member service level to be worth the chage. For example, you ll be able to pick up your 90-day supply of maiteace medicatios (such as blood pressure) directly from the CVS Pharmacy If you choose to do so. O November 1, you ll receive a CVS website lik that will allow you to check prevetive drug, preferred (formulary) drugs, ad costs from home, office, etc. You ll also fid a pharmacy locator to fid the locatio closest to you! CVS Caremark will serve as your mail order ad specialty pharmacy. I December, you ll receive a Welcome Kit from CVS Caremark that icludes more iformatio about your ew prescriptio beefit program. Effective December 4, register at Caremark.com to make the most of your prescriptio beefits. Fid etwork pharmacies Refill medicatio ad check order status Check drug costs View prescriptio history 3

6 WHO IS ELIGIBLE TO ENROLL You are eligible to eroll if you are a active full-time or beefit-eligible part-time member who works 20 hours or more per week ad has completed 30 days of employmet. Eligible depedets may iclude your: Lawful spouse; Child (up to age 26); or Certified domestic parter. Note: The term child meas a child bor to you, a child legally adopted by you, a stepchild, or a child related to you by blood or marriage ad you are the legal guardia. A depedet child who is o loger eligible due to attaimet of the limitig age of 26 is eligible to cotiue beefits uder COBRA. DEPENDENTS UP TO AGE 26 Our health care plas will exted coverage for adult childre through the etire caledar moth i which he or she attais age 26. Chagig Beefit Electios Durig the aual Ope Erollmet period, you ca chage coverages for the ext caledar year. After the aual Ope Erollmet period, you may be able to chage your coverage if you have a qualifyig evet. The followig list highlights these qualifyig evets, but is ot limited to a chage i: Marital status (marriage, death of spouse, divorce, legal separatio); Number of depedets (birth, death, adoptio, chage i child custody, eligibility status, child support order); Employmet status for you or your spouse (commecemet, termiatio, leave of absece, full-time to part-time or vice versa); ad Spouse s employer-sposored coverage (pla offerigs chage). MARRIED WOODWARD COUPLES If you ad your spouse both work at Woodward: You are covered as either a member or spouse, but ot both; ad Childre are covered by oe paret oly. For health isurace coverage: Married members have the optio to cover the etire family uder oe health care pla; Oly oe member elects health coverage isurig the other Woodward member as a spouse ; ad The spouse waives health coverage as a member. For life isurace coverage: Married members caot elect spouse life coverage; ad Oly oe member ca elect depedet child(re) life coverage. CHANGING BENEFITS MID-YEAR Ay beefit chages durig the year must be made withi 30 days of the qualifyig evet. If you miss that deadlie, you must wait for the ext Ope Erollmet. For more details about qualifyig evets, refer to the Summary Pla Descriptio. 4

7 YOUR 2018 BENEFITS HOW TO ENROLL To access the Ope Erollmet portal: 1. Log i to INFOR (use your idividual userame ad password). You ca access the INFOR Logi from the home page of Iside Woodward usig the lik at the bottom of the page uder Quick Navigatio. 2. Click o To Do from the meu, hover over Pay Ad Beefits ad click o Ope Erollmet. 3. Log i to Lawso Beefit Erollmet (use your idividual userame ad password). 4. Click o Cotiue to begi your erollmet. Please be sure to read ad follow all system prompts. REMINDER: ENROLLMENT IS MANDATORY! Failure to complete the olie erollmet process will result i you havig o beefits for ENROLLMENT TIPS To view a pla descriptio of ay beefit, simply click o the lik such as Woodward Health Ceter Pla to lear more. To add a qualified depedet to your pla, you will eed to cotact your local Beefits Admiistrator. 5

8 MEDICAL AND PRESCRIPTION DRUG BENEFITS Woodward Health Ceter (WHC) Pla The WHC Pla is a iovative approach to providig health care for you ad your family. Here is what you eed to kow about this ew pla: IT S CONVENIENT Oe stop for most care. The majority of your care is provided at oe of our Woodward Health Ceters. With just oe stop, you ca see the doctor, have routie testig performed (such as labs, mammograms, etc.), ad receive basic, oe-time prescriptios (such as atibiotics). Same-day or ext-day appoitmets. No claim forms. There are o claim forms to complete ad less paperwork overall. Welless programs ad services. You ca access our welless programs ad services at the WHC, makig it easier to stay healthy. IT S COST-EFFECTIVE No cost to you for care at a WHC. No outof-pocket expeses for care provided at the Woodward Health Ceters. IT S PERSONALIZED Persoalized service. As soo as you walk through the WHC door, you receive persoalized service to make your health care visits as comfortable as possible. Patiet Support Specialists/Care Navigators. They help you trasitio ay records ad schedule your appoitmets at the WHC or with ay eeded referrals. Care Coordiators. Your Care Coordiator helps you maage all of your health care eeds, whether with your Primary Care Physicia at the WHC or with ay eeded specialists. Visit the Reimagie Your Health website at wss.woodward.com/ health for the latest, detailed iformatio about the plas ad CVS Caremark. This site ca be accessed from work or at home aytime. You ca also fid iformatio at woodward. WATCH FOR NEW CARDS IN DECEMBER Both Athem ad CVS Caremark will mail ew ID cards to your home i December. Usig the Woodward Health Ceter (WHC) Is Easy Call ad set up appoitmets for you ad your depedets. Meet with your Care Coordiator ad Primary Care Physicia to start your health care program. Most of your care ca be completed at the WHC. 6 Whe referrals or outside tests are required, the WHC staff will take care of it for you.

9 YOUR 2018 BENEFITS OeWoodward Health Pla The OeWoodward Health Pla is a cosumer-drive pla admiistered through Athem with first dollar coverage provided by the compay usig a Health Reimbursemet Accout (HRA). Here is how the OeWoodward Health Pla works: For 2018, Woodward will credit your HRA accout $750 for sigle coverage ad $1,500 for family coverage that will be applied to your ad other out-of-pocket medical ad prescriptio drug costs. At year ed, ay uused dollars i the HRA will roll over ad be available i the ext pla year. I-etwork prevetive care is covered at 100% o out-of-pocket costs. This ecourages you ad your covered family members to get regular check-ups. Whe you eed care: First you meet your (HRA balace will be applied). Oce you meet the, you ad the pla share expeses (referred to as coisurace). Oce you meet the pla s out-of-pocket maximum, the pla pays 100% of your eligible expeses for the remaider of the pla year. For more iformatio, visit the Reimagie Your Health website at wss.woodward.com/ health, or com/woodward, or caremark.com. This pla desig itegrates the medical ad prescriptio drug coverage, which meas your prescriptio beefits are built i to your medical pla. Both medical ad prescriptio costs (except PrevetiveRx, see followig pages) are applied to the HRA,, ad out-ofpocket maximums. Coordiatio of Beefits The OeWoodward Health Pla adheres to the followig Coordiatio of Beefits (COB) rules whe payig claims: Whe a workig spouse has other coverage through his or her employer, ad is also covered uder the OeWoodward Health Pla, his or her employer s pla is primary ad pays first. If a child is covered by both parets, the pla of the paret whose birthday falls first durig the caledar year is the primary pla for the child. COB does ot apply to prescriptios. 7

10 Medical Pla Compariso The chart below provides a summary of the pla features uder both the Woodward Health Ceter Pla ad the OeWoodward Health Pla. For more iformatio o both plas, visit the Reimagie Your Health website at Woodward Health Ceter Pla Summary OeWoodward Pla Summary Coverage I Woodward Health Ceter (WHC) No-Referred I-Network (Athem) No-Referred Out-of-Network I-Network (Athem) Out-of-Network Comprehesive aual health maiteace physicals (prevetive care) 60%, after 60%, after, 100% covered 60% after, Acute care for illess ad ijury 60%, after 60%, after, 90% after 60% after, Well child visits ad CDC ACIP recommeded immuizatios 60%, after 60%, after, 100% covered 60% after, Aticoagulatio maagemet services 60%, after 60%, after, 90% after 60% after, Imagig (professioal fee will require coordiatio with Athem) Routie digital radiographs (e.g. chest, extremities) Boe desity testig/screeig Digital 2D mammography 60%, after 60%, after, 100% covered if Prevetive, otherwise 90% after 60% after, Sports medicie cosultatios 60%, after 60%, after, 90% after 60% after, Basic Laboratory Services, icludig: CLIA-waived POC testig Labs associated with aual health maiteace visit Complete Blood Cout (CBC) Urialysis Comprehesive metabolic pael Lipid pael 100% covered 60%, after 60%, after, 100% covered if Prevetive, otherwise 90% after 60% after, Mior surgical procedures 60%, after 60%, after, 90% after 60% after, Joit ad soft tissue ijectios (if idicated) 60%, after 60%, after, 90% after 60% after, Lifestyle ad Disease Maagemet Health Services: Health assessmets, biometric screeigs, ad coachig Pharmacy cosultatios for complex medicatio maagemet Limited geeric prescriptio medicatio dispesig N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Care Coordiatio N/A N/A N/A N/A Note: There may be Referred Beefit services available at a WHC locatio; your care coordiator will assist with the determiatio of ay potetial out-ofpocket expeses associated with Referred Beefit services. 8

11 YOUR 2018 BENEFITS Woodward Health Ceter Pla Summary OeWoodward Pla Summary Beefits Outside of Woodward Health Ceter Desig Feature Referred Beefits No-Referred I-Network (Athem) No-Referred Out-of-Network I-Network (Athem) Out-of-Network Aual Idividual Deductible Note: Medical ad Rx out-of-pocket amouts apply Noe $300 $1,500 Idividual Deductible $750 Health Reimbursemet Accout Aual Family Deductible Note: Medical ad Rx out-of-pocket amouts apply Noe $600 $3,000 Family Deductible $1,500 Health Reimbursemet Accout Idividual Out-of-Pocket $2,500 Family Out-of-Pocket $5,000 $7,500 $15,000 $2,500 $5,000 $5,000 $10,000 Coisurace 100% (after ay applicable copays) 60% after 60%, after, 90% after 60% after, Office Visit Coverage PCP (o prevetative) $30 copay 60% after 60%, after, 90%, after 60% after, Office Visit Coverage Specialist $30 copay 60%, after 60%, after, 90%, after 60% after, Office Visit Coverage Metal Health Treatmet/ Substace abuse 100% covered 60% after 60%, after, 90%, after 60% after, Hospital Copaymet (per admissio) $300 copay 60%, after 60%, after, 90%, after 60% after, Emergecy Room Coverage Note: Emergecy Room Care that is ot a TRUE emergecy will be covered based o Referred, No-Referred I-Network ad No-Referred Out-of- Network level of service $150 copay $150 copay $150 copay 90%, after 90% after Urget Care Coverage $35 copay 60% after 60%, after, 90%, after 60% after, OP Surgical Coverage $200 copay 60% after 60%, after, 90%, after 60% after, Advaced Radiology Coverage (Magetic Resoace Imagig (MRI), Computerized Tomography (CT scas), Positro Emissio Tomography (PET sca), Magetic Resoace Spectroscopy (MRS sca), Magetic Resoace Agiogram (MRA sca), Echocardiography, ad uclear cardiac imagig) $100 copay 60% after 60% after, 90%, after 60% after, 9

12 Woodward Health Ceter Pla Summary OeWoodward Pla Summary Other Covered Services 10 Referred Beefits No-Referred I-Network (Athem) No-Referred Out-of-Network Home Health Care 100% covered 60% after 60%, after, Skilled Nursig Facility $300 copay 60% after 60%, after, I-Network (Athem) Out-of-Network 90% after 60% after, 90% after 60% after, Hospice Care 100% covered 60% after 60%, after, 90% after 60% after, Ifertility Diagosis diagosis oly Related Office Visits - office visit copay; Ay other i-etwork services - 100% covered after 60% after 90% after 60% after, Trasplat Services 100% covered 60% after Not Covered 90% after Not Covered Durable Medical Equipmet 100% covered 60% after 60%, after, Acupucture 100% covered 60% after 60%, after, Chiropractic Services $15 copay (referral ot required) $15 copay (referral ot required) 60%, after, TMJ 100% covered 60% after 60%, after, Emergecy Ambulace Service Hearig Exams Note: Prevetive Screeigs covered at 100% 90% after 60% after, 90% after 60% after, 90% after 60% after, 90% after 60% after, 100% covered 100% covered 100% covered 90% after 90% after 80% covered 80% covered 80% Hearig Aids 80% covered 80% covered 80% Aesthesiologists (o choice if they are ot cotracted with Athem) Bariatric Surgery Note: o travel beefit will be provided 80% covered 80% of Maximum Allowed 80% covered 80% of Maximum Allowed 100% covered 60% after 60% after 90% after 60% after 100% covered 60% after Not Covered 90% after Not Covered Hair loss/wigs 100% covered 100% covered 100% covered 100% covered 100% covered I-Patiet Precertificatio Requiremet Metal Health Substace Abuse Yes Yes Yes Yes Yes 100% covered outpatiet; $300 copay ipatiet 100% covered outpatiet; $300 copay ipatiet 60% after 60%, after, 60% after 60%, after, Prosthetics 100% covered 60% after 60%, after, Speech Occ. Physical Therapy $30 copay 60% after 60%, after, Note: This summary does ot cotai all of the provisios or limitatios that apply to your Woodward beefits plas. 90% after 60% after, 90% after 60% after, 90% after 60% after, 90% after 60% after,

13 YOUR 2018 BENEFITS Prescriptio Drug Beefits Both medical plas provide prescriptio drug coverage through CVS Caremark. Both plas cover the same drugs what differs is how much each pla pays. The chart below compares prescriptio drug coverage uder both plas. Prescriptio Drugs RETAIL Geeric Medicies (Tier 1) Preferred (Formulary) Brad (Tier 2) No-Preferred Brad (Tier 3) Prescriptio Drugs - MAIL Geeric Medicies (Tier 1) Preferred (Formulary) Brad (Tier 2) No-Preferred Brad (Tier 3) Woodward Health Ceter Pla Summary 10% ($20 max Copay) CVS Caremark Retail Pharmacy Network (Up to a 34-day supply) 20% ($20 mi/$50 max Copay) 20% ($40 mi/$1,000 max Copay) CVS Caremark Mail Service Pharmacy or CVS Pharmacy (Up to a 90-day supply) 10% ($40 max Copay) 20% ($40 mi/$100 max Copay) 20% ($80 mi/$2,000 max Copay) OeWoodward Pla Summary CVS Caremark Retail Pharmacy Network (Up to a 34-day supply) 10% Coisurace, after CVS Caremark Mail Service Pharmacy or CVS Pharmacy (Up to a 90-day supply) 10% Coisurace, after Prevetive Drug List (List of drugs specific to chroic coditios.) 100% Covered 100% Covered Note: This summary does ot cotai all of the provisios or limitatios that apply to your Woodward beefits plas. Please see the Summary Pla Documets (SPD) for full coverage details. NO COST FOR WHC-DISPENSED DRUGS The WHC provides basic, oe-time medicatios (such as atibiotics) so you do t have to make a separate trip to the pharmacy. 11

14 THE TRANSITION TO CVS CAREMARK As we trasitio to CVS Caremark for the Athem admiistered health plas, there are some importat thigs to keep i mid: Begiig November 1st, Members ad depedets will be able to obtai detailed iformatio o all programs durig Ope Erollmet. CVS Caremark will provide a lik for Ope Erollmet so members ca look up specific drugs, costs ad pharmacy locatios. You ca also cotact CVS Caremark s Customer Care Lie at with questios about trasitio, actual cost of specific drugs, etc. Most curret mail order prescriptios will be automatically trasferred. There is o actio required by you. Expired prescriptios will ot trasfer. If your curret prescriptio expires before Jauary 1, you must get a ew prescriptio from your doctor ad submit it for mail order service. If your curret medicatio is ot o CVS Caremark s Preferred (Formulary) Drug List, you will receive a letter from CVS i late November. If you take Prevetative Drug prescriptios, you will wat to check CVS Caremark s Prevetative Drug List to see if your prescriptio is listed. CVS will provide a lik to this list later this year. CVS Specialty Pharmacy You will ow be required to fill Specialty Medicatio through CVS/Specialty Pharmacy. Curret Specialty Prescriptios with refills available will be trasferred. Members who are curretly takig Specialty Medicatio will receive letters from CVS i late November. CVS Specialty is desiged for idividuals with rare, complex or geetic coditios. Our specialty pharmacy offers coveiet delivery of specialty medicatios or pickup at CVS Pharmacy, persoalized service ad educatioal support for your specific treatmet. CVS Specialty also offers access to a cliical pharmacist aytime for ay questios that may come up. Specialty Guidelie Maagemet (SGM) promotes the appropriate use of biotech/specialty medicatios ad moitors patiet safety. CVS/Specialty pharmacy Customer Care Number: NEW PRESCRIPTION BENEFITS MANAGER Begiig December 4, 2017, members ca register ad log ito to review all drug lists icludig Preferred (Formulary), Specialty ad Prevetative. REMINDER Fill your prescriptios before year ed, to esure you have eough to get you through the holidays ad the trasitio period to CVS Caremark. PREVENTIVE DRUGS Your Curret Prevetative Drug List will chage to CVS Caremark s Prevetative Drug List. They are ot idetical. Go to to review the ew full list begiig December 1st. Note: Expired prescriptios will ot trasfer. If your curret prescriptio expires before Jauary 1, you must get a ew prescriptio from your doctor ad submit it for mail order service. 12

15 YOUR 2018 BENEFITS DENTAL BENEFITS The Detal Pla is admiistered by Athem. The Detal Pla pays 100%* of the charges for regular check-ups ad other prevetive care. If you eed other detal work, your detal beefits will help pay for these services as outlied below. OeWoodward Detal Pla Summary DENTAL SERVICES I-Network (Athem) Out-of-Network* Class I: Diagostic & Prevetive Services Oral examiatios X-Rays Cleaigs Periodotal Cleaigs for Treatmet of Gum Disease Fluoride Treatmets Sealats Sedatio/Pai Cotrol Methods (Medically Necessary) Geeral Aesthesia IV ad No-IV Sedatio Nitrous Oxide Class II: Other (Restorative) Filligs Crows Pulpal Therapy ad Root Caal Fillig Extractios Detures Bridges Night Guards Occlusive Guards Ilays Olays Reliig Rebasig Repairs Emergecy Treatmet of Detal Pai 100% covered 100% covered* 100% covered 80% covered* TO FIND A NETWORK DENTIST Go to woodward. Class I ad II: Combied Aual Limit $2,000 $1,500 Class III: Orthodotia 50% covered 50% covered Class III: Orthodotia Lifetime Limit $1,500 $1,500 Class IV: Oral Surgery Oral Surgeries Related Services Pai Cotrol Methods (Medically Necessary) Geeral Aesthesia IV ad No-IV Sedatio Nitrous Oxide 100% covered 100% covered* Class IV: Oral Surgery Lifetime Limit No aual or lifetime limit No aual or lifetime limit *Subject to UCR (Usual, Customary, ad Reasoable) limits. Note: This summary does ot cotai all of the provisios or limitatios that apply to your Woodward beefits plas. Detal beefit maximum (combied for participatig ad o participatig detists). 13

16 VISION BENEFITS The Visio Pla is admiistered by Visio Service Pla (VSP). It is desiged to provide for regular eye examiatios ad beefits toward visio care expeses icludig glasses ad cotact leses. The pla covers stadard eye examiatio ad glasses as follows: Beefit Descriptio Copay Your Coverage with a VSP Provider WellVisio Exam Focuses o your eyes ad overall welless Every caledar year Prescriptio Glasses $15 Frame Leses Les Ehacemets $150 allowace for a wide selectio of frames $170 allowace for featured frame brads 20% savigs o the amout over your allowace $80 Costco frame allowace Every other caledar year Sigle visio, lied bifocal, ad lied trifocal leses Polycarboate leses for depedet childre Every caledar year Stadard progressive leses Premium progressive leses Custom progressive leses Average savigs of 35-40% o other les ehacemets Every caledar year $10 Icluded i Prescriptio Glasses Icluded i Prescriptio Glasses $50 $80 - $90 $120 - $160 FINDING A PROVIDER To fid a VSP provider i your area, go to ad select Sigature Network. To register for the VSP website, use the ID umber o your Athem Detal/ Visio ID card. Cotacts (i additio to glasses) Diabetic Eyecare Plus Program Extra Savigs $150 allowace for cotacts; copay does ot apply Cotact les exam (fittig ad evaluatio) Every caledar year Services related to diabetic eye disease, glaucoma ad agerelated macular degeeratio (AMD). Retial screeig for eligible members with diabetes. Limitatios ad coordiatio with medical coverage may apply. Ask your VSP doctor for details. As eeded Glasses ad Suglasses Extra $20 to sped o featured frame brads. Go to vsp.com/ special offers for details. 30% savigs o additioal glasses ad suglasses, icludig les ehacemets, from the same VSP provider o the same day as your WellVisio Exam. Or get 20% from ay VSP provider withi 12 moths of your last WellVisio Exam. Retial Screeig No more tha a $39 copay o routie retial screeig as a ehacemet to a WellVisio Exam Laser Visio Correctio Average 15% off the regular price or 5% off the promotioal price; discouts oly available from cotracted facilities Up to $60 $20 Your Coverage with Out-of-Network Providers Visit vsp.com for details, if you pla to see a provider other tha a VSP etwork provider. Exam... up to $40 Lied Trifocal Leses... up to $60 Frame... up to $40 Progressive Leses... up to $60 Sigle Visio Leses... up to $40 Cotacts... up to $150 Lied Bifocal Leses... up to $50 Coverage with a participatig retail chai may be differet. Oce your beefit is effective, visit vsp.com for details. Coverage iformatio is subject to chage. I the evet of a coflict betwee this iformatio ad your orgaizatio s cotract with VSP, the terms of the cotract will prevail. Based o applicable laws, beefits may vary by locatio. 14

17 YOUR 2018 BENEFITS HEALTH CARE PREMIUMS 2018 CONTRIBUTIONS (BI-WEEKLY) Colorado & Rockford Colorado/Rockford Health Pla Optios Woodward Health Ceter (WHC) Pla OeWoodward Pla Member $29 $35 $2 Member + Spouse/Domestic Parter $96 $116 $9 Member + Child(re) $62 $75 $6 Family $129 $156 $13 Workig Spouses Access Fee Workig Spouse Access Fee $102 (bi-weekly) N/A Tobacco User Surcharge Tobacco User Surcharge $46 (bi-weekly) N/A Detal/Visio Pla TOBACCO USER SURCHARGE NO CHANGE A $100 a moth surcharge is applicable to members, spouses/domestic parters, or childre who eroll i oe of our medical plas ad who are tobacco users. The member pays a sigle surcharge eve if multiple family members are tobacco users. Each member s Tobacco User Status will be gathered durig Ope Erollmet. SPOUSE ACCESS FEE NO CHANGE The spouse access fee is for members whose spouse is eligible for other employer-sposored coverage ad chooses to eroll i a Woodward medical pla. A workig spouse is defied as a depedet spouse/ domestic parter who is eligible for coverage with his or her ow employer. Please see our detailed Frequetly Asked Questios (FAQs) o Iside Woodward for further iformatio. 15

18 FLEXIBLE SPENDING ACCOUNTS (FSAs) Flexible Spedig Accouts (FSAs) offer you a tax-free way to set aside moey for certai health care ad depedet care expeses. If you have eligible expeses, a FSA may be a useful additio to your beefits package. FSA cotributios are take out of your pay before federal or state icome ad Social Security taxes, so 100% of each dollar you cotribute goes towards your eligible expeses. As a result, you save o taxes. PayFlex admiisters the Flexible Spedig Accouts. Members must eroll each year to take advatage of this beefit. Health Care FSA Wat to reduce your taxable icome ad icrease your take home pay? Eroll i a FSA ad start savig moey o eligible health care expeses. Great Reasos to Eroll i a Health Care FSA Cotribute pretax dollars from your paycheck, up to the Iteral Reveue Service (IRS) limit of $2,600. Your full cotributio is available at the start of the pla year. If you ad your spouse both have a Health Care FSA, you ca each cotribute up to the IRS limit. Pay for eligible health care expeses for you, your spouse, ad/or your tax depedets. Such expeses may iclude: Copays, coisurace, ad s Detal expeses like orthodotia, crows, ad bridges Visio expeses like LASIK laser eye surgery, glasses, ad cotacts Prescriptio drugs ad over-the-couter (OTC) items* $ The maximum aual amout you ca save i a Health Care FSA is $2,600. The miimum is $100. GRACE PERIOD The Health Care FSA gives you a additioal two ad a half moths (through March 15) to icur expeses ad use the previous year s fuds. To log i to your accout olie, visit *OTC medicatio/drugs require a writte prescriptio i order to be reimbursed through a FSA. Please go to for additioal iformatio

19 YOUR 2018 BENEFITS Depedet Care FSA If you are payig for day care for your child who is uder the age of 13 or for a spouse or depedet who is ot able to take care of himself or herself, you should cosider erollig i a Depedet Care FSA. This accout allows you to pay for eligible depedet care expeses such as: Day care Before ad after school care Preschool ad ursery school Summer day camp $ The maximum aual amout you ca cotribute to the Depedet Care FSA is $5,000. Flexible Spedig Card If you were erolled i a FSA i 2017, your PayFlex debit card will be reactivated with your 2018 electio amouts. Please do ot destroy your card. For ew erollees, or those whose card has expired, you will receive a card i December This ew debit card may be used begiig Jauary 1, Savigs The amout you save i taxes by usig oe or both of these Flexible Spedig Accouts depeds upo your icome ad tax bracket. Cotributios are made through payroll deductios. Pla carefully as these plas fall uder the Use It or Lose It rule per federal law. I other words, fuds remaiig i your accout at the ed of the year will be forfeited. For the Health Care FSA, our pla allows a grace period. If members do ot sped their etire Health Care FSA balace by the ed of the caledar year, there is a additioal two-ad-a-half-moth grace period through March 15 that members ca icur expeses ad use their previous year s FSA fuds. Grace period claims must be paper-filed. Visit the PayFlex website at or see your Beefits Admiistrator for the correct form. Remember to save all of your receipts ad EOBs from your isurace providers because you will be required to provide documetatio for your claims ad occasioally for card trasactios. Keep i mid that mid-year chages to your FSA cotributios may oly be made i the evet of certai qualifyig evets. Please see the Summary Pla Descriptio for more iformatio. You caot use your Depedet Care FSA to pay for ay health care expeses (such as medical, detal, or visio care). SAVE YOUR RECEIPTS Remember to save all of your receipts ad EOBs from your isurace providers. You may be required to provide documetatio for claims ad card trasactios. 17

20 LIFE AND ACCIDENTAL DEATH AND DISMEMBERMENT (AD&D) INSURANCE Woodward provides member Life ad AD&D coverage based o the schedule below up to a maximum of $1,000,000. Basic Life Basic AD&D All Members: 2x aual base salary 2x aual base salary Your Aual Base Salary is the yearly salary or wage you receive for your work at Woodward. It does ot iclude bouses, commissios, or overtime pay. Optioal Member ad Depedet Term Life Isurace 1 1 EOI may apply. Read this sectio carefully. Durig Ope Erollmet each year, members ca purchase additioal life isurace as follows: Member Multiples of $10,000; from $10,000 to $750,000 Spouse/Domestic Parter Multiples of $10,000; from $10,000 to $200,000 Child(re) (Ages 0-26) $5,000, $10,000, or $20,000 per child Please ote: Term Isurace does ot build cash ad will icrease i cost with age. The amout of Depedet Life Isurace for your spouse or child may ot exceed 100% of the amout of your isurace. Note: Active at work provisios may apply. Optioal Term Life Evidece of Isurability (EOI) Istructios Evidece of Isurability (EOI) is required: If a member is requestig additioal life isurace o Self or Spouse/Domestic Parter that is above their curret level of life coverage; or For late etrats members (ad their depedets) who did ot purchase coverage the first time they were eligible but are ow requestig coverage (regardless of the amout); or If a ew member (first ope erollmet) is choosig over $200,000 i coverage for Self or more tha $20,000 i Spouse/Domestic Parter coverage. The above chages to existig optioal life isurace will require a EOI form to be completed for each depedet affected. EOI Forms are located at the followig locatios: Forms are liked at the begiig ad ed of the Ope Erollmet sessio; O Iside Woodward uder Member Services Beefits Life Isurace Life Isurace Evidece of Isurability Form; or Your local HR/Beefits Departmet. 18

21 YOUR 2018 BENEFITS You must choose the applicable EOI form based o your state of residece. If your state is ot listed, please select the EOI form for All Other States. You are resposible for submittig the required EOI form(s) directly to: Stadard Isurace Compay Att: Medical Uderwritig 900 SW Fifth Aveue Portlad, OR If you have questios regardig this EOI process or the status, call The Stadard at Optioal Accidetal Death ad Dismembermet (AD&D) AD&D coverage is a very importat beefit. You may purchase AD&D to cover you ad your depedets that will pay a beefit if you die as a result of a covered accidet. I the evet of a covered ijury/dismembermet, the pla will pay the amout payable for that type of ijury. The amout of AD&D Isurace for depedets is equal to a percetage of the Member s Optioal AD&D Isurace, as follows: Member Pla Member Oly Multiples of $25,000; from $25,000 to $200,000 50% Family Pla Spouse/Domestic Parter Oly Spouse/Domestic Parter ad Childre 100% Family Pla Spouse/Domestic Parter Oly Spouse/Domestic Parter ad Childre Childre Pla 50% of Member 50% for your spouse/domestic parter 15% for each child, ot to exceed $30, % of Member 100% for your spouse/domestic parter 15% for each child, ot to exceed $30,000 Childre Oly 15% for each, ot to exceed $30,000 The deadlie for submittig forms is November 30, If you do ot submit forms by the deadlie, you must wait util the ext aual Ope Erollmet. Evidece of Isurability (EOI) is ot required for optioal AD&D icreases or ew electios. Note: Active at work provisios may apply. 19

22 DISABILITY INSURANCE AND EMPLOYEE ASSISTANCE PROGRAM Disability Coverage Provided to You at No Cost Security for you ad your family is what the disability pla is all about. Without a doubt the ability to ear icome is crucial to the security of members ad their families. That is why disability beefits are so importat. The pla chose by Woodward provides fiacial protectio for you by payig part of your icome while you are disabled. The amout you receive depeds upo the icome you had before your disability bega. Log-Term Disability Beefits (LTD) Beefit amout 66-2/3% of mothly salary Maximum mothly beefit $10,000 Waitig period before beefits begi is 180 days (after start of illess or accidet) Note: Active at work provisios may apply. EMPLOYEE ASSISTANCE PROGRAM (EAP) Woodward offers the LifeMatters EAP for members ad ayoe livig i your household. A LifeMatters professioal is available 24/7 to provide assistace with a wide rage of support ad work/life services. All services provided directly by the EAP are cofidetial ad free. Complete Services Short-term couselig Fiacial ad legal cosultatios Idetity theft Child ad elder care Adoptio Educatio Coveiece Services Etertaimet services Pet sitters Veteriarias Pet obediece traiig Apartmet locators Home maiteace Travel plaig Voluteer services Emergecy services Welless Diet ad utritio Fitess ceters ad programs Cotact LifeMatters EAP website: Password: WWG1 20

23 YOUR 2018 BENEFITS VACATION The Woodward vacatio beefit pla allows members to use their eared time for paid time away from the office. Members accrue vacatio time with each paycheck. All vacatio time accrued must be used by the vacatio cutoff-date, but may carry over a maximum of 40 hours to the ext year. Mai aspects of the pla are: Loaded at the begiig of the pla year Use it or lose it Carry over up to 40 hours uused accrued vacatio at year ed Vacatio Buy Woodward offers its members the optio to purchase up to five extra vacatio days durig Ope Erollmet. The cost for these days will be deducted from your pay i equal istallmets throughout the caledar year. If you do ot use the purchased vacatio time, it will be paid out at the ed of the caledar year. The maximum limit for vacatio time is 248 hours (this icludes accrued, rollover, ad purchased vacatio). Members are required to use vacatio days durig scheduled plat shutdows. Lastly, as a remider, listed below is the sequece of how vacatio time is used for the caledar year. 1st: Member Desigated Holiday (8 hours) 2d: Carryover (maximum of 40 hours) 3rd: Accrued Vacatio 4th: Purchased Days (uused purchased days paid out at year-ed) 21

24 VOLUNTARY BENEFITS INTRODUCTION Woodward is committed to ehacig the beefits offered to our members. We uderstad the value i providig a diverse selectio of beefits to meet the uique eeds of each member. As part of our ogoig effort to maitai the high stadards of our beefit programs, Woodward will oce agai support erollmet i these volutary beefits. Eroll Now i Volutary Beefits! It s easy to apply for these beefits with o paperwork or cofusig forms. HERE S HOW MetLife Auto & Home Isurace Tap ito savigs o your Auto & Home isurace ad pay your premium via payroll deductios. To receive a quote or eroll, call GET-MET8 ( ). Humaa Critical Illess or Whole Life Protect your family s fiacial future agaist a catastrophic illess or eve death. To lear more, view the videos o Iside Woodward. New Erollees To ask questios or eroll, call a licesed represetative at You may also eroll by clickig the lik from ESS. To log i to the Humaa olie erollmet you will eed the followig: Employee ID = Woodward Member ID Number with leadig zeros to create a total of 9 digits Example: If your Woodward ID is 123, your Humaa User Name = PIN = The last 4 digits of the above Employee ID plus the last 2 digits of your birth year Example: If your birth year is 1968, your Humaa PIN = You will be asked to cofirm your persoal iformatio ad update your social security umber. You will also eed to provide the persoal iformatio for your spouse/domestic parter or childre who will be erolled i these plas (i.e. ame, social security umber, date of birth, etc.). Please have this iformatio available whe you log i or call. Chages to Existig Coverage To make chages to existig coverage, call Hyatt Legal Cosider erollig i this affordable pla that will help with your legal eeds. To eroll or chage your curret erollmet i this pla, please complete the form o Iside Woodward ad retur to your Beefits Admiistrator. 22

25 Auto ad Home Make the most of your workplace beefits with MetLife Auto & Home Program descriptio MetLife Auto & Home s group isurace program is available to you as a volutary beefit through your employer. This program is uderwritte by MetLife Auto & Home ad offers special discouts to employees of participatig groups. Maximize your compay beefits today ad start savig: Save up to a additioal 10% right away with our Welcome Discout for NEW customers. Qualify for a group discout of up to 15% off your policy. Ear a additioal discout whe you pay your premium through automatic payroll deductio. Receive extra savigs if you ve bee with your compay for a log time. Save more with our superior driver discout. Ear multi-vehicle savigs whe you isure more tha oe vehicle with us. Make the most of our multi-policy discouts whe you isure both your home ad auto with MetLife Auto & Home. Switch ad save today! Sice everyoe s isurace policies reew at differet times durig the year, you may apply for group auto ad home isurace at ay time. Ad coverage is 100% portable, so eve if you chage jobs you ca take your policy with you. Take advatage of ALL your compay beefits ad start savig today. Call GET-MET 8 ( ) ad see how MetLife Auto & Home makes it easier! To make the most accurate comparisos, please have your curret policies with you whe you call, ad provide your discout code: 0GC MetLife Auto & Home is a brad of Metropolita Property ad Casualty Isurace Compay ad its affiliates: Ecoomy Preferred Isurace Compay, Metropolita Casualty Isurace Compay, Metropolita Direct Property ad Casualty Isurace Compay, Metropolita Geeral Isurace Compay, Metropolita Group Property ad Casualty Isurace Compay, ad Metropolita Lloyds Isurace Compay of Texas, all with admiistrative home offices i Warwick, RI. Coverage, rates, discouts, ad policy features vary by state ad product, are available i most states to those who qualify. Met P&C, MetCas SM, ad MetGe SM are licesed i the state of Miesota. MetLife Auto & Home 700 Quaker Lae Warwick, RI (0317) L [exp0518][All States][DC] 2017 MetLife Auto & Home 23

26 24 Lear more about Humaa Volut Protect yourself ad your family with: Humaa Critical Illess/Cacer Humaa Whole Life You may eroll olie by accessig the erollmet lik o Iside Woodward or you may call You may elect to supplemet your life isurace eeds with this permaet, portable optio. The Whole Life Isurace program is a life isurace program for your Humaa.com etire family. The policies are idividually owed ad build cash value. You decide the right combiatio of isurace protectio for you ad/or your family by choosig the coverage ad premium amouts.

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29 fi MetLaw Smart. Simple. Affordable. For Woodward, Ic. Employees $16.50 per moth covers you, your spouse ad depedets Telephoe ad office cosultatios for a ulimited umber of persoal legal matters with a attorey of your choice E-Services Attorey locator; law firm e-pael; law guide; free, dowloadable legal documets; fiacial plaig, isurace ad work/life resources Represetatio for these services: Estate Plaig Documets Simple ad complex wills Trusts (revocable ad irrevocable) Powers of Attorey (healthcare, fiacial, childcare) Livig wills Codicils Documet Review Ay persoal legal documet Family Law Preuptial Agreemet Protectio from Domestic Violece Adoptio ad Legitimizatio Ucotested Guardiaship Name Chage Real Estate Matters Sale, Purchase or Refiacig of your primary residece Evictio ad Teat Problems (primary residece) Home Equity Loas Zoig Applicatios Boudary or Title Disputes Property Tax Assessmet Security Deposit Assistace (for Teat) Documet Preparatio Affidavits Deeds Demad Letters Mortgages Promissory Notes Fiacial Matters Negotiatios with Creditors Debt Collectio Defese Idetity Theft Defese Persoal Bakruptcy Tax Audit Represetatio (muicipal, state or federal) Foreclosure Defese Juveile Matters Juveile court defese, icludig crimial matters Defese of Civil Lawsuits Admiistrative Hearigs Civil Litigatio Defese Icompetecy Defese School Hearigs Pet Liabilities Immigratio Assistace Advice ad Cosultatio Review of Immigratio Documets Preparatio of Affidavits ad Powers of Attorey Traffic Offeses* Defese of Traffic Tickets (excludes DUI) Drivig Privileges Restoratio (icludes licese suspesio due to DUI) Cosumer Protectio Disputes over cosumer goods ad services Small Claims Assistace Elder Law Matters Cosultatios ad documet review for issues related to your parets icludig Medicare, Medicaid, Prescriptio Plas, Nursig Home Agreemets, leases, otes, deeds, wills ad powers of attorey as these affect participat Persoal Property Protectio Cosultatios ad documet review for persoal property issues Assistace for disputes over goods ad services Family Matters ** Available for a additioal fee Separate pla for parets of participats for estate plaig documets Easy erollmet - olie or by phoe For More Iformatio: Visit our website ifo.legalplas.com ad eter access code or call our Cliet Service Ceter at Moday through Friday from 8 a.m. to 7 p.m. (EST). Erollmet i this pla will reew automatically. If you eed to eroll, or wish to drop the pla, complete the form foud o IsideWoodward ad retur to your Beefits Admiistrator by November 9th. Group legal plas ad Family Matters provided by Hyatt Legal Plas, Ic., a MetLife compay, Clevelad, Ohio. I certai states, group legal plas ad Family Matters provided through isurace coverage uderwritte by Metropolita Property ad Casualty Isurace Compay ad Affiliates, Warwick, Rhode Islad. Please cotact Hyatt Legal Plas for complete details o covered services icludig trials. No service, icludig advice ad cosultatios, will be provided for: 1) employmet-related matters, icludig compay or statutory beefits; 2) matters ivolvig the employer, MetLife ad affiliates, ad pla attoreys; 3) matters i which there is a coflict of iterest betwee the employee ad spouse or depedets i which case services are excluded for the spouse ad depedets; 4) appeals ad class actios; 5) farm ad busiess matters, icludig retal issues whe the participat is the ladlord; 6) patet, trademark ad copyright matters; 7) costs ad fies; 8) frivolous or uethical matters; 9) matters for which a attorey-cliet relatioship exists prior to the participat becomig eligible for pla beefits. For all other persoal legal matters, a advice ad cosultatio beefit is provided. Additioal represetatio is also icluded for certai matters listed above uder Legal Represetatio. *Not available i all states. **For Family Matters, differet terms ad exclusios apply. L [exp1017][All States][DC] 27

30 TELEPHONE AND WEBSITE DIRECTORY Be sure to refer to the Reimagie Your Health website at for pla details. Woodward Beefits Locatio Cotact Phoe Colorado Laurie Harvey Loves Park/Rock Cut/ Machesey Park, IL Kara Aderso Isurace Carriers Athem Medical Detal Phoe Website CVS Caremark Prescriptio Drugs Visio Service Pla PayFlex Life Matters EAP Password: WWG1 Volutary Beefits Phoe Website KMG Humaa Specialty Beefits Critical Illess Isurace Whole Life Isurace Hyatt Legal Plas Legal Pla Isurace MetLife Auto & Home Isurace Password: Metlaw idex. jsp?oc_id=ab3916&gpc=0gc 28

31 VISIT THE REIMAGINE YOUR HEALTH WEBSITE

32 This guide is desiged as a referece to help eligible members eroll for beefits ad aswer may of the questios you might have about beefits durig the year. The legal documets ad isurace cotracts goverig these plas will determie your beefits i the evet of ay omissios or discrepacies. Your participatio i these plas is ot a cotract of employmet ad does ot guaratee your future employmet. Woodward reserves the right to chage or ed ay of the plas, at ay time ad for ay reaso, to the extet allowed by law WHC/1WW 10/17