Mailing to Group Members about New Vendor for CDH Plans and Blue Rewards Incentive Cards

Transcription

1 Date: March 5, 2018 Market: All CDH FACETS Grup Members. Grup members with Blue Rewards Incentive Cards Mailing t Grup Members abut New Vendr fr CDH Plans and Blue Rewards Incentive Cards CareFirst BlueCrss BlueShield and CareFirst BlueChice (CareFirst) has begun mailing members impacted by the upcming April 1 migratin t Further SM. Impacted members include thse enrlled in a cnsumer directed health care (CDH) plan, as well as thse wh have earned a CareFirst Blue Rewards Visa Incentive Card and have a remaining balance n their card. Facets grup members with CDH prducts will receive ne f these letters t help them prepare fr the April migratin t Further. HSA member letter fr April migratin t new CDH vendr (attached) HRA member letter fr April migratin t new CDH vendr (attached) Additinally, grup members wh currently have a CareFirst Blue Rewards Visa Incentive Card will receive the letter belw which utlines the transitin t Further, and mentins they will receive a new card in the mail. Blue Rewards member letter fr April migratin t new vendr (attached) T prvide yu with additinal infrmatin, belw are member FAQs: HRA Overview What is the impact t HRA members? Members wh had a debit card with BenefitWallet will receive a new card they will need t activate. Members will receive the card in the mail, in an unmarked envelpe. Further and CareFirst will wrk with the previus vendr t get funds transferred. Starting April 1, 2018, members will be able t access their accunt by lgging int My Accunt and single signing n t the CareFirst-branded Further site. During this transitin, members will nt be able t access their funds frm March 22 - March 31, 2018, but they can submit claims fr reimbursement f eligible expenses incurred in that timeframe starting April 1, 2018 (see belw fr mre infrmatin abut the reimbursement prcess). Are there fees assciated with the Further HRA? The BlueFund fee structure will nt change fr accunts administered by Further. 1

2 HSA Overview What actins d HSA members need t take? First, members need t cnfirm with their emplyer that administratin f their accunt is transferring t Further. If nt, they will nt need t cmplete the transfer frm (see next bullet). Members wh elect t transfer their HSA accunt frm BenefitWallet t Further can chse ne f tw ptins t transfer their accunts and have their funds available by April 10: Online T transfer existing HSA accunts t Further, visit by March 20, 2018 t cmplete the HSA Transfer frm electrnically. Mail T transfer existing HSA accunts t Further, cmplete and mail HSA transfer frm by March 20, 2018 (attached see frm fr additinal mailing instructins). Members will nt have access t their funds frm March 28 thrugh April 9. Members shuld discard their BenefitWallet debit card after their funds have been transferred. Beginning n April 10, members will be able t prcess reimbursements fr eligible expenses. All HSA members will receive a new CareFirst-branded debit card in March fr use starting April 10, whether funds are transferred frm BenefitWallet r nt. Please nte: the debit card may nt have any available funds until the balance transfer is cmplete; if the accunt is being pened fr the first time; r cntributins have nt yet been prvided fr the mnth. What if an HSA member des nt transfer their accunt frm BenefitWallet? On April 1, 2018, a new HSA accunt will be pened at Further fr members. Members can cntinue t maintain their existing BenefitWallet accunts, but they will wrk directly with BenefitWallet. On April 1, members will n lnger be able t manage their BenefitWallet accunt thrugh My Accunt, hwever they can access their accunt at mybenefitwallet.cm. BenefitWallet will mail members a new card and, after March 21, CareFirst will discntinue sending any claims infrmatin t BenefitWallet. Additinally, members will be respnsible fr the mnthly maintenance fees charged by BenefitWallet t keep their BenefitWallet accunt pen. What if an HSA member did nt cmplete the set-up f the HSA previusly with Benefit Wallet? Further will autmatically pen an accunt fr them. The accunt will clse after 90 days if n cntributins have been applied t the accunt. 2

3 What cmpany des Further partner with fr investments? Further partners with Devenir LLC, a registered investment advisr. When HSA base balances reach $1,000, members are eligible t pen a self-directed Investment Accunt which gives them access t a variety f mutual funds frm Schwab s Mutual Fund OneSurce Service. All funds are still part f the HSA; members can view the ttal balance, including mnies in their Schwab accunt, at any time by lgging n t My Accunt. There is an additinal annual fee fr an investment accunt. When HSA balances exceed $10,000, members can activate a self-directed Brkerage Investment Accunt with Charles Schwab. This accunt, als a part f the HSA, gives members access t mre than 2,500 mutual funds frm a variety f fund families, as well as stcks, bnds and ther investments. A self-directed Brkerage Accunt may be a gd fit fr HSA accunt hlders seeking a wider range f investment ptins and wh have the experience and time t manage their wn investments. Schwab trading fees vary depending n the investments selected. Blue Rewards Overview What is the impact t members wh earned a Blue Rewards incentive? If they haven t already, members wh have earned a Blue Rewards incentive card, and have a current balance, will receive a new CareFirst-branded incentive card in the next cuple f weeks. The new card will arrive in the mail in an unmarked envelpe and it must be activated. Members shuld destry any ld incentive card(s) and begin using the new card n April 1, Members will nt have access t their incentive card funds frm March 22- March 31 but can submit claims fr reimbursement f eligible expenses incurred during their benefit perid. T review details abut their incentive card, including their accunt balance, members can lg in t My Accunt at Members can use the incentive card fr cvered health care expenses incurred befre the end f their benefit perid. Fr Blue Rewards, hw d members submit an eligible expense fr reimbursement? Members can use the incentive card t pay fr eligible expenses (cpays, cinsurance) at the dctr s ffice, urgent care center and ther prviders. Members can als use incentive funds t reimburse themselves fr eligible expenses paid fr ut f pcket during their benefit perid. 3

4 Blue Rewards members can submit reimbursement claims f eligible expenses by fllwing these steps: Lg in t My Accunt at by entering their username and passwrd Select Blue Rewards under the My Health tab at the tp f the page Click n View Payments, then click n View Balances and Transactins t be ruted t the incentive card administratr s website (BenefitWallet until March 21, 2018 and then, Further, n and after April 1, 2018). Please nte: members will nt be able t cmplete these steps between March 22-31, while funds are in transitin. The default methd fr claim reimbursement at Further is a check. If members wuld like t receive direct depsit, they can als update this infrmatin thrugh My Accunt. Hw d members check their Blue Rewards incentive card balance? Lg in t My Accunt at by entering their username and passwrd Select Blue Rewards under the My Health tab at the tp f the page Click n View Payments, then click n View Balances and Transactins t be ruted t the incentive card administratr s website (BenefitWallet until March 21, 2018 and then, Further, n and after April 1, 2018). Please nte: members will nt be able t cmplete these steps between March Additinal Member Cnsideratins When will BenefitWallet debit cards be deactivated? HSA - If the member cmpletes the HSA transfer frm by March 20, 2018, the BenefitWallet debit card will be deactivated n March 22, Funds will be available n their new Blue-branded debit card n April 10, HSA - If a member des nt cmplete their transfer by the March 20, 2018 deadline, but cmpletes the transfer by April 16, 2018, their BenefitWallet debit card will be deactivated n April 26, Funds will be available n their new Blue-branded debit card n May 9, If a member misses the April 16, 2018 date, their funds will be transferred in the next weekly batch, they will still incur a ten-day time perid where funds will nt be available and they will incur any mnthly maintenance fees frm Benefit Wallet. HRA The BenefitWallet debit card will be deactivated n March 22, Members will be able t access their HRA funds at Further n April 1, When is the blackut perid fr members wh mve t Further? HSA March 28, 2018 thrugh April 9, HRA and Blue Rewards Incentive Cards March 22, 2018 thrugh March 31, Receipts fr services received during that time perid can either be reimbursed t the prvider after funds are available in the member s accunt, r a manual claimssubmissin can be made (see belw fr additinal reimbursement instructins). If a member misses the April 16, 2018 date, their funds will be transferred in the next weekly batch and will still incur a ten-day time perid where funds will nt be available. 4

5 Hw can HSA and HRA members access infrmatin abut their accunts? Members will cntinue t have access t their existing BenefitWallet accunts via My Accunt thrugh March 31, Members will have access t their new accunt at Further via My Accunt beginning n April 1, Hw can a member be reimbursed fr services received during the blackut perid? If a member has eligible expenses they paid fr ut f pcket, they can submit them fr reimbursement by fllwing these steps: Lgin/register fr My Accunt at by entering their username and passwrd. Select the Cverage tab at the tp f the screen. Click n BlueFund Administratin under My Plan t be ruted t the HSA administratr s website (BenefitWallet until March 21, 2018 and then, Further, n and after April 1, 2018). Please nte: members will nt be able t cmplete these steps between March 28 and April 9, The default methd fr claim reimbursement at Further is a check. If the member wuld like t receive direct depsit, they can als update this infrmatin thrugh My Accunt. What is the member experience fr accunts wh renew a mnth after the transitin date? This is a turnkey migratin, s all grups with BenefitWallet will migrate t Further n April 1, Fr members wh transitin t Further, is it ptinal r mandatry fr them t sign int the Further prtal via My Accunt? This is ptinal, but by ding s, the member will have access t their accunt infrmatin and will be able t: View their accunt balance and transactins Submit claims nline n paperwrk Make withdrawals frm their HSA accunt; there are n claim frms r paperwrk Make cntributins t their HSA accunt Create and view a custmized nline statement Enrll in direct depsit Order additinal HSA r HRA debit cards 5

6 Will there be a dedicated custmer service line? Yes, a custmer service line will pen n March 5, 2018 at Hurs f peratin: Mnday-Friday 8 a.m.-9 p.m. EST Saturday-Sunday 9 a.m.-6 p.m. EST Custmer Service: Further c/ CareFirst PO Bx St. Paul, MN Please nte: the custmer service representatives will nt have the full member infrmatin until April 1, 2018 when the transitin fr existing Facets and new business is cmplete. Prir t April 1, 2018, members shuld cntinue t cntact BenefitWallet fr specific accunt questins. Shuld yu have any questins, please cntact yur brker sales representative. Brian D. Pieninck Chief Operating Officer 6

7 March 2, 2018 Dear Member, Recently, CareFirst BlueCrss BlueShield and CareFirst BlueChice (CareFirst) annunced its partnership with Further SM, a leading administratr f health spending accunts, t prvide BlueFund Health Savings Accunt (HSA) supprt t ur members. As f April 1, 2018, CareFirst will n lnger be wrking with BenefitWallet. Further will administer CareFirst members HSA accunts. Because yu currently have a BlueFund HSA with CareFirst, yu must take actin by March 20, 2018 in rder t transfer yur HSA funds (if applicable) t yur new Further accunt, and have yur funds available by April 10, On April 1, 2018, a new HSA accunt will autmatically be pened fr yu at Further. Yu can chse t maintain yur existing BenefitWallet accunt, but yu will wrk directly with BenefitWallet. On April 1, yu will n lnger be able t manage yur BenefitWallet accunt thrugh My Accunt, hwever yu can access yur accunt at BenefitWallet will mail yu a new card and CareFirst will discntinue sending any claims infrmatin t BenefitWallet. Additinally, yu will be respnsible fr the mnthly maintenance fees charged by BenefitWallet t keep yur BenefitWallet accunt pen. Alternatively, yu can btain the benefits f integrating yur health insurance and HSA accunt by transferring yur mney frm BenefitWallet t yur new Further accunt. The benefits f transferring yur funds t Further include: N charge t pen yur HSA accunt. The ability t view and manage yur Further accunt thrugh My Accunt. Simple claims aut payment setup frm yur HSA accunt. Even if yu d nt currently have an pen accunt with BenefitWallet, yu will receive a welcme kit cntaining details f yur new accunt with Further. Yur accunt becmes active n April 1, 2018 and yu will be mailed a new CareFirst-branded debit card. If n cntributins have been made t yur Further accunt within 90 days, the accunt will be clsed. IMPORTANT: Yur new debit card may nt have any available funds until the balance transfer is cmplete; if the accunt is being pened fr the first time; r cntributins have nt yet been prvided fr the mnth. What yu need t d in rder t transfer yur funds frm BenefitWallet t Further: First, please cnfirm with yur emplyer that administratin f yur accunt is transferring t Further. If nt, yu will nt need t cmplete the transfer frm (see next bullet). By March 20, 2018, request a funds transfer by cmpleting the electrnic HSA transfer frm at r fill ut and return the enclsed HSA transfer frm. Yur funds will be available in yur Further accunt n April 10, Yu will nt be able t access yur funds frm March 28 t April 9, Hwever, yu can submit claims fr reimbursement f eligible expenses (see next page fr details) n r after April 1, If yu are pening an accunt with Further, please discard yur BenefitWallet debit card, if applicable, nce yu cnfirm yur funds have transferred. CareFirst BlueCrss BlueShield is the shared business name f CareFirst f Maryland, Inc. and Grup Hspitalizatin and Medical Services, Inc. CareFirst BlueCrss BlueShield and CareFirst BlueChice, Inc. are bth independent licensees f the Blue Crss and Blue Shield Assciatin. Registered trademark f the Blue Crss and Blue Shield Assciatin. Registered trademark f CareFirst f Maryland, Inc.

8 T ensure the least disruptin f access t yur funds, the enclsed HSA transfer frm needs t be cmpleted n later than March 20, Frms received after May 31, 2018 will incur a $25 clsure fee frm BenefitWallet, and will experience a different 10-day time frame during which yur funds will nt be available. If yu have eligible expenses yu paid fr ut f pcket, yu can submit them fr reimbursement by fllwing these steps: Lgin/register fr My Accunt at by entering yur username and passwrd. Select the Cverage tab at the tp f the screen. Click n BlueFund Administratin under My Plan t be ruted t yur HSA administratr s website (BenefitWallet until March 21, 2018 and then, Further, n and after April 1, 2018). Please nte: yu will nt be able t cmplete these steps between March 28 and April 9, Transferred funds will be available n April 10. The default methd fr claim reimbursement at Further is a check. If yu wuld like t receive direct depsit, yu can als update this infrmatin thrugh My Accunt. Shuld yu have additinal questins abut yur new Further accunt, beginning March 5, 2018, yu may cntact the new dedicated supprt team at , Mnday thrugh Friday frm 8 a.m. until 6 p.m. EST. Julie I.K. Fisher Vice President, Service and Operatins Small/Medium Grup Eric Shwalter Vice President, Service and Operatins Large Grup Enclsure

9 BenefitWallet Health Savings Accunt Grup Trustee Transfer Frm CareFirst Grup Trustee Transfer Frm Accunt hlder Infrmatin, Transfer Instructins & Authrizatin BenefitWallet Accunt Number Last Fur Scial Security Number..X X X X X Yur accunt number can be fund in the upper right crner f yur BenefitWallet Welcme Kit, cver letter, and statements. Transfer Request and Authrizatin: Transfer 100% f my accunt balance and clse my accunt If this frm is received at the address belw by: Date BenefitWallet accunt will be clsed and blackut perid begins: Date funds will be available at Further: March 20, 2018 March 28, 2018 April 10, 2018 If this frm is received at the address belw by: Date BenefitWallet accunt will be clsed and blackut perid begins: Date funds will be available at Further: April 16, 2018 April 26, 2018 May 9, 2018 First Class Mail Please mail cmpleted frms t: Curier/Overnight Further c/ CareFirst PO Bx Saint Paul, MN Further c/ CareFirst 1750 Yankee Ddle Rad S140 Eagan, MN * Nte: If this frm is received after May 31, 2018 r if yur request is submitted n a different transfer ut frm, yur request will be assessed a $25.00 check issue fee and prcessed as an individual transfer in the rder in which it was received. If this frm is received after April 16, 2018 the accunt clsure, investment liquidatin and transfer f funds will ccur in an administratively timely manner. I understand that my HSA investments will be liquidated after the accunt clse date and that market fluctuatin culd impact the accunt balance that is ultimately transferred. Until the accunt clse date, it is my respnsibility t manage my HSA investment accunt including managing all transactins t buy r sell investment psitins. I authrize BenefitWallet t transact upn my accunt, t transfer funds frm the specified accunt t the Trustee/Custdian as indicated abve. Accunthlder Name (Printed) Accunthlder Signature Date Any questins shuld be directed t yur Emplyer s Human Resurces department r the BenefitWallet Service Center at

10 March 2, 2018 Dear Member, Recently, CareFirst BlueCrss BlueShield and CareFirst BlueChice (CareFirst) annunced its partnership with Further SM, a leading administratr f health spending accunts, t prvide BlueFund Health Reimbursement Arrangement (HRA) supprt t ur members. As f April 1, 2018, CareFirst will n lnger be wrking with BenefitWallet. Further will administer CareFirst members HRA accunts. On April 1, 2018, a new HRA accunt will be pened fr yu at Further. Yu will be able t manage yur new Further accunt thrugh My Accunt starting April 1, 2018, hwever, access t yur BenefitWallet accunt via My Accunt ends n March 31, CareFirst will als discntinue sending any claims infrmatin t BenefitWallet after March 21. What this means fr yu N actin is needed by yu t pen yur HRA accunt at Further. If yu had a debit card with BenefitWallet, yu will receive a new debit card that will arrive in a plain white envelpe in the next cuple f weeks. Yu can discard yur ld debit card (if applicable) and begin using yur new card n April 1, Please nte: yu will nt be able t access yur funds frm March 22 thrugh March 31, while we cmplete the transitin t Further. In additin t using yur debit card at pint f sale, yu can als use the funds t reimburse yurself fr eligible expenses yu paid fr ut f pcket. Yu can submit claims fr reimbursement by fllwing these steps: Lgin/register fr My Accunt at by entering yur username and passwrd. Select the Cverage tab at the tp f the screen. Click n BlueFund Administratin under My Plan t be ruted t yur HSA administratr s website (BenefitWallet until March 21, 2018 and then, Further, n and after April 1, 2018). Please nte: yu will nt be able t cmplete these steps frm March 22-April 1. The default methd fr claim reimbursement at Further is a check. If yu wuld like t receive direct depsit, yu can als update this infrmatin thrugh My Accunt. IMPORTANT: yur new debit card may nt have any available funds until the balance transfer is cmplete; if the accunt is being pened fr the first time; r cntributins have nt yet been prvided fr the mnth. Shuld yu have additinal questins abut yur new Further accunt, beginning March 5, 2018, yu may cntact the new dedicated supprt team at , Mnday thrugh Friday frm 8 a.m. until 6 p.m. EST. Julie I.K. Fisher Vice President, Service and Operatins Small/Medium Grup Eric Shwalter Vice President, Service and Operatins Large Grup CareFirst BlueCrss BlueShield is the shared business name f CareFirst f Maryland, Inc. and Grup Hspitalizatin and Medical Services, Inc. CareFirst BlueCrss BlueShield and CareFirst BlueChice, Inc. are bth independent licensees f the Blue Crss and Blue Shield Assciatin. Registered trademark f the Blue Crss and Blue Shield Assciatin. Registered trademark f CareFirst f Maryland, Inc.

11 March 2, 2018 Dear Member: Thank yu fr participating in Blue Rewards, the CareFirst BlueCrss BlueShield incentive prgram. Cngratulatins fr cmpleting the steps t earn yur incentive the CareFirst Blue Rewards Visa Incentive Card. We want t make yu aware that CareFirst has selected the cmpany Further (frmerly SelectAccunt ) t prvide administrative services fr the Blue Rewards incentive card starting n April 1, What this means fr yu Yu will receive a new incentive card that will arrive in a plain white envelpe in the next cuple f weeks. Please lk fr this imprtant piece f mail, which will include instructins fr activating yur new card, tips fr using the card and mre. If yu have an existing incentive card, yu shuld dispse f it and begin using yur new card n April 1, Please nte, frm March 22 thrugh March 31, yur incentive card funds will nt be available while we cmplete the transitin t Further. Yu can use yur incentive card t pay fr eligible expenses (like cpays and cinsurance) at the dctr s ffice, urgent care center, and ther prviders. Yu can als reimburse yurself fr eligible expenses yu paid fr ut f pcket within yur benefit perid. T submit an nline claim, please fllw these steps: Lg in t My Accunt at by entering yur username and passwrd. Select Blue Rewards under the My Health tab at the tp f the page. Click n View Payments, then click n View Balances and Transactins t submit the claim thrugh the card administratr s website. Please nte: yu will nt be able t cmplete these steps between March 22-March 31 as yur funds will be in transitin. Yu will receive yur reimbursement by check unless yu set up direct depsit. As a reminder, yu must use yur Blue Rewards funds befre the end f yur benefit perid and, as lng as yu are a CareFirst member, yu shuld keep yur new incentive card fr any future rewards yu may earn. Shuld yu have any questins abut yur CareFirst Blue Rewards Visa Incentive Card, please call Mnday thrugh Friday frm 8 a.m. until 6 p.m. EST. Julie I.K. Fisher Vice President, Service and Operatins Small/Medium Grup Eric J. Shwalter Vice President, Service and Operatins Large Grup CareFirst BlueCrss BlueShield is the shared business name f CareFirst f Maryland, Inc. and Grup Hspitalizatin and Medical Services, Inc. which are independent licensees f the Blue Crss and Blue Shield Assciatin. The Blue Crss and Blue Shield Names and Symbls are registered trademarks f the Blue Crss and Blue Shield Assciatin. Registered trademark f CareFirst f Maryland, Inc. Further is an independent cmpany that prvides administrative services fr CareFirst BlueCrss BlueShield cnsumer directed health care plans and incentive cards. Further des nt sell BlueCrss r BlueShield prducts. The CareFirst Blue Rewards Visa Incentive Card is issued by The Bancrp Bank, Member FDIC, pursuant t a license frm Visa U.S.A. Inc. Cards may be used nly at merchants in the U.S. and District f Clumbia wherever Visa debit cards are accepted fr eligible expenses. See Cardhlder Agreement fr details.