2017 Annual Benefits Enrollment Enroll for 2017 benefits October 17 28, 2017
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1 2017 Annual Benefits Enrollment Enroll for 2017 benefits October 17 28, 2017 Your CCBCC benefits are an important part of your overall compensation. Our benefit programs are designed to help you get healthy and stay healthy, meet your long-term financial goals, protect your income, and balance the demands of your work and personal life. How to Enroll for Your Benefits Go to from October 17 28, 2016 (midnight) and click on Enroll for Benefits to choose your 2017 benefits. We encourage you to: 1 Enroll: Go online to and choose your benefits from October 17 28, 2016 (system closes at midnight) 2 Confirm Your Elections: Check the confirmation statement you will receive either by mail or the week of October 31 3 Make Corrections: Make corrections online at between November 7 11 (system closes at midnight) Update Your Personal Info Just click on the My Personal Information tab on myhr and make changes such as your: Address Home or cell phone number Emergency contact addresses Beneficiary information CONA employees will need to make address and contact information updates by visiting Your benefits will be effective January 1, 2017 through December 31, 2017.
2 Spotlight on 2017 Benefits Meet ALEX Benefits Counselor To find the best-fit plans for you and your family, talk to ALEX. ALEX will ask a few questions about how you use your health care (your answers remain anonymous, of course), crunch a few numbers, and provide a recommendation for the plans that makes the most sense for you. Find your best plans by clicking on the Meet ALEX link on the myhr home page! Medical Premiums 2017 Premiums and deductibles for medical coverage in HRA Option 1 & 2 and HSA Option 3 will reflect a moderate increase. HRA/ HSA Account Funding 2017 Health Reimbursement Account (HRA) employer funding in both HRA Option 1& 2 remains unchanged Health Savings Account (HSA) employer funding in HSA Option 3 remains unchanged. Employees may have a total annual combined (employer plus employee) contribution amount of $3400 for single/$6750 for family. Dental Benefits 2017 Premiums for dental coverage options Basic and Basic plus Major will reflect a moderate increase. Current deductible, coinsurance and plan maximum benefit limits will remain the same. Vision Benefit 2017 Premiums for vision coverage will remain the same as will all coverage limits under the vision plan. MD LIVE CCBCC will continue the partnership with Cigna and MDLive to provide you with 24/7/365 on-demand access to board-certified doctors and licensed therapists via online video, phone or secure . Create your MDLive profile at or by phone at Flexible Spending Account 2017 FSA Medical and Dependent Day Care enrollments will have a minimum election of $120 annually. Maximum elections will remain the same under IRS guidelines. What Happens if You Don t Enroll If you don t enroll or make changes, your current benefit elections will remain in effect for 2017 (except for Flexible Spending Accounts and the Health Savings Account). If you plan to participate in a Flexible Spending Account or a Health Savings Account, you must make new elections each year.
3 Flexible Spending Accounts CCBCC offers two types of flexible spending accounts: Health Care Flexible Spending Account Dependent Day Care Flexible Spending Account Flexible Benefit Administrators, Inc. (FBA) is the administrator for the flexible spending accounts. Health Care Flexible Spending Account You can contribute a minimum of $120 up to a maximum of $2,550 each year to the Health Care Flexible Spending Account to pay for eligible health care expenses for you and your dependents. For Health Care Flexible Spending Account purposes, the IRS defines a dependent as a spouse or other close family member for whom you provide substantial financial support. You cannot enroll in the Health Care Flexible Spending Account if you are enrolled in the PPO-HSA Option 3 medical option. Dependent Day Care Flexible Spending Account You can contribute a minimum of $120 up to a maximum of $5,000 each year to the Dependent Day Care Flexible Spending Account to pay for eligible child and/or adult day care with tax-free dollars. If you are married and you and your spouse both participate in a Dependent Day Care Flexible Spending Account, you are limited to combined deposits of $5,000 if you file a joint tax return or deposits of $2,500 each if you file separately. Grace Period There is an extended grace period for spending remaining Flexible Spending Account balances at the end of the plan year. This means that you will be able to continue to use your Flexible Spending Accounts to reimburse expenses incurred through March 15 and submit for reimbursement no later than March 31 of the next year. For plan regulations and guidelines visit: For more information on eligible expenses visit: Voluntary Group Accident Insurance Group Accident Insurance is offered to you through Unum Life Insurance Company of America. It pays tax-free benefits to you directly if you or your dependents are injured accidentally. Your enrollment in the plan is entirely voluntary. The benefit paid to you is based upon the treatment(s) that are received due to injuries such as burns, lacerations, dislocations and fractures, head, eye, and or soft tissue injuries, emergency dental procedures, and certain surgical repairs. Benefit payments are also available for ambulance transport, emergency room treatment, travel, therapy, and prosthetic treatments. Finally, this insurance provides specific accidental death and dismemberment benefits. To review complete details and to enroll for 2017, please go to or call (855) from 9 a.m. to 6 p.m. EST on Monday, Wednesday and Friday and from 11 a.m. to 8 p.m. EST on Tuesday and Thursday. Group Accident Insurance Premiums (deducted from your after-tax pay) Weekly Paid Premium Semi-Monthly Paid Premium Bi-Weekly Paid Premium Employee-only: $3.18 $6.90 $6.36 Employee + Spouse: $5.23 $11.34 $10.47 Employee + Child(ren): $6.01 $13.03 $12.03 Family: $8.07 $17.48 $16.13 Voluntary Critical Illness Insurance Group Critical Illness Insurance is offered to you through Unum. It pays tax-free benefits to you directly if you or your dependents become critically ill. Your enrollment in the critical illness plan is entirely voluntary. Benefit payments are based upon diagnosis, such as heart attack, stroke, organ failure, permanent paralysis, cancer and other specific conditions. If you choose to cover your dependent child(ren), additional specific benefits are also provided for conditions such as: Down Syndrome, Cerebral Palsy, Cystic Fibrosis, Spina Bifida, and Cleft Lip/ Palate. Benefits available to you depend on the level of coverage that you select for yourself, your spouse and your dependents. Group Critical Illness Insurance Premiums (deducted from your pay after-tax) Critical Illness premiums are specific to you and your dependents based on factors such as your age, your covered dependents ages and tobacco use when you enroll. If you remain continuously enrolled, premiums will continue to be based upon age(s) at enrollment, and will not increase according to age(s) in future years. Critical Illness insurance option can help you cope financially and emotionally if a serious illness ever occurs. To review complete details and to enroll for 2017, please go to or call (855) from 9 a.m. to 6 p.m. EST on Monday, Wednesday and Friday and from 11 a.m. to 8 p.m. EST on Tuesday and Thursday.
4 Medical Medical coverage is one of the most important benefits available through the CCBCC Benefits program. This coverage can protect you and your family from high, and often unexpected, medical expenses. You have a choice of three medical plan options for * Remember, if you participate in the Biometric Health Assessment during October 2016, you can earn a $100 incentive in your paycheck. ** Other limits may apply. Go online to for more details. PPO-HRA Option 1 This plan option has a Health Reimbursement Account (HRA) that is funded entirely by CCBCC. Lowest annual deductibles and out-of-pocket maximums of the three medical plan options. Once you incur medical expenses, HRA funds can be used immediately toward the deductible. HRA accounts are commonly made up of current year employer funding and un-used/accumulated funds from previous years. Current year s funds that are not spent by the end of the year will not carry-over into the next year. Historic accumulated balances will remain available until they are exhausted. You can use the Health Care Flexible Spending Account (FSA) to offset out-of-pocket expenses. Plan Feature PPO-HRA Option 1 Health Reimbursement Account (HRA) or Health Savings Account (HSA) Employer Contribution Health Savings Account (HSA) Employee Contribution Employee-only: $200 Employee + spouse: $450 Employee + child(ren): $450 Family: $450 N/A Lifetime Maximum No longer applies In-Network Out-of-Network Annual Deductible (Per Person/Per Family) $1,300/$2,600 $2,600/$5,200 Annual Out-of-Pocket Maximum (Per Person/Per Family) $2,350/$4,700 $4,700/$9,400 Doctor s Office Visit Covered at 80% Covered at 60% Routine Preventive Care Covered at 100% Not covered Specialist Visit Covered at 80% Covered at 60% Other Medical Services Covered at 80% * Covered at 60% * Prescription Drug Coverage Provided by Caremark Prescription Drug Program Prescription Drug Out-of-Pocket Maximum (Per Person/Per Family) $1,000/$1,750 N/A Retail (up to 30-day supply) Generic $10 Not covered Preferred Brand $30 after $100 deductible per Not covered person/$200 deductible per family Non-Preferred Brand $50 after $100 deductible per Not covered person/$200 deductible per family Biotech $100 Not covered Mail Order (up to 90-day supply) Generic $20 N/A Preferred Brand $60 Non-Preferred Brand $100 Biotech $100 (for each 30 day supply) 2017 Premiums Weekly-Paid Premiums Employee-only: $42.26 Employee + spouse: $89.28 Semi-Monthly Paid Premiums Employee-only: $91.56 Employee + spouse: $ Bi-Weekly Paid Premiums Employee-only: $84.52 Employee + spouse: $ Employee + child(ren): $73.84 Family: $ Employee + child(ren): $ Family: $ Employee + child(ren): $ Family: $259.67
5 PPO-HRA Option 2 This plan option has a Health Reimbursement Account (HRA) that is funded entirely by CCBCC. The deductibles and out-of-pocket maximums are higher than PPO-HRA Option 1, but lower than the HSA Option 3. Once you incur medical expenses, HRA funds can be used immediately toward the deductible. HRA accounts are commonly made up of current year employer funding and un-used/accumulated funds from previous years. Current year s funds that are not spent by the end of the year will not carry-over into the next year. Historic accumulated balances will remain available until they are exhausted. You can use the Health Care Flexible Spending Account (FSA) to offset out-of-pocket expenses. PPO-HSA Option 3 This plan option offers the lowest premiums but has the highest deductibles. By selecting this option, a Health Savings Account (HSA) will be automatically opened with HSA Bank. Your account will be funded by CCBCC and by pre-tax contributions you elect to have deducted from your paycheck. CCBCC contributes to HSA accounts. Includes a tax advantage Any unused funds are rolled over (without limits) at year-end. You can use the HSA Bank debit card and/or checkbook to pay for services directly from your account or reimburse yourself. The HSA funds are portable: The HSA balance goes with you if you leave CCBCC. Funds can be used to pay deductibles, prescriptions or any other medically necessary expenses not covered by insurance. Automatic claims forwarding (ACF) available. Employee-only: $450 Employee + spouse: $900 PPO-HRA Option 2 PPO-HSA Option 3 N/A No longer applies Employee + child(ren): $900 Family: $900 Employee-only: $200 Employee + spouse: $550 Employee + child(ren): $550 Family: $550 Up to $3,400 employee only Up to $6,750 employee+spouse, employee + child(ren), or family No longer applies In-Network Out-of-Network In-Network Out-of-Network $1,700/$3400 $3,400/$6,800 $2,700/$4,600 $4,500/$9,000 $3,200/$6,400 $5,200/$10,400 $4,200/$8,400 $6,200/$12,400 Covered at 80% Covered at 60% Covered at 80% Covered at 60% Covered at 100% Not covered Covered at 100% Not covered Covered at 80% Covered at 60% Covered at 80% Covered at 60% Covered at 80% * Covered at 60% * Covered at 80% * Covered at 60% * Provided by Caremark Prescription Drug Program Provided by CIGNA Prescription Drug Program $1,000/$1,750 N/A $4,000/$8,000 N/A $10 Not covered Covered at 80% Not covered $30 after $100 deductible per person/$200 deductible per family $50 after $100 deductible per person/$200 deductible per family Not covered Covered at 80% Not covered Not covered Covered at 80% Not covered $100 Not covered Covered at 80% Not covered $20 N/A Covered at 80% Not covered $60 Covered at 80% Not covered $100 Covered at 80% Not covered $100 (for each 30 day supply) Covered at 80% Not covered Employee-only: $27.85 Employee + spouse: $58.24 Employee + child(ren): $48.14 Family: $86.78 Employee-only: $9.71 Employee + spouse: $20.70 Employee + child(ren): $17.88 Family: $30.96 Employee-only: $60.35 Employee + spouse: $ Employee + child(ren): $ Family: $ Employee-only: $21.04 Employee + spouse: $44.85 Employee + child(ren): $38.73 Family: $67.07 Employee-only: $55.70 Employee + spouse: $ Employee + child(ren): $96.28 Family: $ Employee-only: $19.42 Employee + spouse: $41.40 Employee + child(ren): $35.75 Family: $61.91
6 Dental CCBCC s Dental PPO Plan, administered by Cigna Healthcare, offers two options the Basic Plan or the Basic + Major Plan. Dental Premiums Weekly-Paid Premiums Semi-Monthly Paid Premiums Bi-Weekly Paid Premiums Basic Plan Employee-only: $2.16 Employee + spouse: $4.27 Employee + child(ren): $3.67 Family: $ 5.21 Basic + Major Plan Employee-only: $4.01 Employee + spouse: $8.34 Employee + child(ren): $7.09 Family: $9.59 Vision It s important to have your vision checked on a regular basis to protect your eyesight. That s why CCBCC offers you and your family the opportunity to choose vision coverage. EyeMed Vision Care is the administrator for the vision plan. The vision plan provides benefits for vision exams, frames, lenses, and contact lenses. The vision plan also offers savings when you take advantage of the EyeMed Vision Insight Network. Vision Premiums Weekly-Paid Premiums Semi-Monthly Paid Premiums Bi-Weekly Paid Premiums Vision Plan Employee-only: $1.58 Employee + spouse: $2.98 Employee + child(ren): $3.14 Family: $4.70 Employee-only: $4.68 Employee + spouse: $9.26 Employee + child(ren): $7.94 Family: $11.29 Employee-only: $8.69 Employee + spouse: $18.08 Employee + child(ren): $15.35 Family: $20.78 Employee-only: $3.43 Employee + spouse: $6.47 Employee + child(ren): $6.81 Family: $10.19 Employee-only: $4.32 Employee + spouse: $8.55 Employee + child(ren): $7.33 Family: $10.42 Employee-only: $8.02 Employee + spouse: $16.69 Employee + child(ren): $14.17 Family: $19.18 Dental Feature Basic Plan Basic + Major Plan Calendar year deductible $50 per person/$150 family $50 per person/$150 family Each calendar year, the plan pays up to: $1,500 per person $1,500 per person In-Network Out-of-Network* In-Network Out-of-Network* Preventive and Diagnostic regular check-ups, cleanings and x-rays 100% 100% of R&C 100% 100% of R&C Basic such as fillings, extractions, root canal therapy and oral surgery Major such as crowns, inlays, onlays, installation or replacement of bridgework or dentures Orthodontia For eligible dependents up to age 19 Lifetime maximum per eligible dependent Covered at 80% after deductible Covered at 80% of R&C Covered at 80% None Covered at 50% None Does Not Apply Covered at 50% $2,000 Covered at 80% of R&C Covered at 50% of R&C Covered at 50% of R&C $2,000 *R&C is the reasonable and customary cost and reflects the going rate for a service or supply in a set geographical area. You may be responsible for charges billed by out-of-network dental providers that exceed R&C rates. Employee-only: $3.17 Employee + spouse: $5.97 Employee + child(ren): $6.28 Family: $9.40 Covered Services In-Network Out-of-Network Exams, one every 12 months 100% with no copayment Up to $40 Covered Lenses, one pair every 12 months 100% after $15 copayment In-network benefits also include the following lens options with an additional charge: Basic polycarbonate, ultra violate coating, Up to $120 Out-of-network services do not cover additional lens options anti-reflective, tint (solid and gradient), scratch resistant Standard Progressive $80 copay Premium Progressive Tier 1 $100 copay Tier 2 $110 copay Tier 3 $125 copay Tier 4 $80 copay, 80% of charge less $120 allowance Frames, one pair every 12 months 100% up to $140 after $15 copayment 20% discount on costs Up to $45 over $140 Contact lens exam, one every 12 months No benefit provided Standard Premium Balance over $55 10% off retail Contact lenses 100%, up to $140 (materials only). For non-disposable lenses, plan also provides 15% discount on costs over $140 Up to $140 (materials only)
7 Life and Accidental Death and Dismemberment (AD&D) Insurance Basic Life and AD&D Insurance CCBCC automatically provides basic life and AD&D insurance coverage at no cost to you. When you are eligible for coverage, you automatically will have coverage of one times your eligible annual pay, rounded to the next $1,000. For example, if your eligible annual earnings are $38,650, your basic life and AD&D insurance amounts are each $39,000. Make sure to review your beneficiary information while you are online electing your 2017 benefits. It s easy to do, and then you will be sure your beneficiary information is up-to-date and accurate! Supplemental Life and AD&D Insurance If you need more financial protection than your basic life and AD&D insurance amount, you can purchase supplemental life and AD&D insurance equal to one, two, three, four or five times your annual pay, up to a maximum of $750,000. Evidence of insurability (EOI) is required if you: Elect a coverage amount greater than two times your annual pay upon initial eligibility, Enroll for coverage after your initial eligibility, or Are increasing coverage after your initial eligibility. If you are required to provide EOI, your supplemental life coverage will not go into effect until the coverage amount you elected is approved by Unum. At the end of the Annual Enrollment process in early December, Unum will send s to all participants who are required to provide EOI. Each contains a link to a secure website where you can submit the required information directly into Unum s website. If you do not have access to , the appropriate forms will be mailed to your home address for completion. Supplemental Life and AD&D Insurance Cost Your Age Life and AD&D Coverage for You Monthly Rate per $1,000 of Coverage Life Coverage for Your Spouse Monthly Rate per $1,000 of Coverage Under 30 $.085 $ $.105 $ $.115 $ $.125 $ $.175 $ $.255 $ $.455 $ $.685 $ $1.295 $ and older $2.085 $2.06 Basic Dependent Life Insurance CCBCC provides a basic dependent life insurance coverage of $5,000 for your eligible spouse and $2,500 for your eligible children. This coverage is provided at no cost to you; however, you must enroll your eligible dependents for this coverage. Supplemental Spouse Life Insurance You also can purchase supplemental life insurance protection for your eligible spouse: Option 1: $5,000 Option 2: $15,000 Option 3: $25,000 Option 4: $50,000 You pay the full cost of supplemental dependent coverage. The amount of spouse life insurance elected cannot exceed the employee s life insurance amount. EOI is required if you: Elect $50,000 (option 4) upon your spouse s initial eligibility. Enroll for spouse life coverage after your spouse s initial eligibility. Increase spouse life coverage after your spouse s initial eligibility. If your spouse is required to provide evidence of insurability, your spouse supplemental life coverage will not go into effect until the coverage amount you elected is approved by Unum. Supplemental Child Life Insurance You can purchase supplemental life insurance for your eligible child(ren) as follows: Option 1: $2,500 Option 2: $5,000 Option 3: $10,000 You are automatically the beneficiary of any spouse life insurance benefits. You are automatically the beneficiary of any child life insurance benefits. You pay the full cost of supplemental child life insurance coverage. Coverage for eligible dependent children includes infant children from live birth once they have been enrolled in the Plan. Supplemental Child Life Insurance Cost The costs for the Supplemental Child Life Insurance coverage options are: Option Monthly Premiums Option 1: $2,500 child(ren) $.30 Option 2: $5,000 child(ren) $.61 Option 3: $10,000 child(ren) $1.21 Use this formula to calculate your per pay premium: Monthly Premium X 12 months number of pay periods
8 The Importance of Effective Prenatal Care To help support our expectant parents, the CCBCC Medical Plan offers an incentive of a $1,000 contribution to your Health Reimbursement Account (HRA) or Health Savings Account (HSA) for expectant mothers (employee and/or spouse who is enrolled in one of CCBCC s medical plan options) who successfully complete these steps: 1 Enroll in CIGNA s Healthy Pregnancies, Healthy Babies Program during the first trimester of pregnancy, and participate until delivery. This telephonic maternity coaching program can be a great source of information. 2 Begin receiving prenatal care by visiting your OB/ GYN during the first trimester of your pregnancy. 3 Continue to receive prenatal care throughout your pregnancy, attending all of the OB/GYN recommended appointments. 4 After the baby is delivered, have your OB/GYN sign and return within 90 days the Prenatal Care Physician Certification Form confirming your completion of items 2 and 3 on this list. Note: At least 20 weeks of pregnancy must be completed to be eligible for the incentive. For more information about the prenatal care program visit or call Questions About Your Benefits? Go online to and click on the link to the HR Contact Center. Call the HR Contact Center at myHR (6947) between 8 am and 4 pm EST, Monday through Friday. Go online to and click on the link to Visit. For additional information, contact plan carriers listed below: Benefit Provider Telephone Web Address Medical and Dental CIGNA Health Care Prescription Drug Caremark Customer Service: Program (PPO-HRA Options 1 & 2) Mail Service Program: CIGNA Health Care (PPO-HSA Option 3) Vision EyeMed Vision Care Flexible Spending Flexible Benefit Accounts Administrators, Inc. (FBA) Disability Unum EAP Magellan Healthcare About This Guide This guide is intended as a brief, simplified summary of the CCBCC benefit plans and programs that apply to CCBCC employees. In the case of each benefit plan, the official plan document will be used to determine precisely how the plan works if there is a difference between this guide s summary and the official plan document. Contact corporate Employee Benefits for further information about those plan documents and your legal rights. CCBCC intends to continue maintaining the benefit plans and programs described in this guide. However, the company reserves the right to terminate or change anything described in this guide without notice.
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