2016 Mondelēz Global LLC Fuel4Life Wellness and Incentive Program

Size: px
Start display at page:

Download "2016 Mondelēz Global LLC Fuel4Life Wellness and Incentive Program"

Transcription

1 2016 Mondelēz Global LLC Fuel4Life Wellness and Incentive Program Eligibility Each employee who is eligible for the Mondelēz Global Medical (with medical coverage administered by Blue Cross Blue Shield of Illinois (BCBSIL) or Kaiser) ( Medical ), as an active employee of Mondelēz Global LLC or another participating employer under the Medical, or while on salary continuation. (Mondelēz Global LLC ( Mondelēz Global ) and each other participating employer under the Medical are referred to as Participating Employers for purposes of this document.) Eligibility for certain Fuel4Life Wellness Program incentives requires enrollment in the Medical. Notwithstanding the foregoing, the following classes of individuals are not eligible: Contract or leased employees even if later reclassified as an employee of a Participating Employer Seasonal or temporary employees Bargaining unit employees U.S. Expatriates who work outside of the U.S. Non-U.S. Inpatriates who work in the U.S. Employees who work in Hawaii or Puerto Rico Under this program, an employee who is receiving Short Term Disability ( STD ) benefits under the Mondelēz Global Disability Benefits is treated as an active employee. However, an employee who is on disability leave, but is not receiving STD benefits, is eligible to participate in activities and incentive programs, but is not eligible to receive benefits under this Policy until the employee s return to active employment. The spouse or domestic partner of an eligible employee is eligible to participate in certain activities under the Program. No spouse or domestic partner is eligible for any monetary incentive benefit under the Program. Married Mondelez Global employees will be treated as follows; if an employee covers the other employee as a dependent on their medical coverage, the dependent will receive incentives as if they were a waived employee. The Fuel4Life Wellness Program is not an ERISA plan The Fuel4Life Wellness Program is not an employee benefit plan subject to the Employee Retirement Income Security Act of 1974, as amended ( ERISA ). No individual who loses eligibility under this Program, has any right to elect continuation coverage. Mondelēz Global has the right to amend or terminate the Fuel4Life Program at any time, for any reason and without prior notice.

2 Benefits Dollar denominated benefits for each activity, or Fuel4Life Wellness incentives are based both on being eligible to participate in the applicable activity and on completing the activity in accordance with its applicable standards and within applicable timeframes. For the 2016 calendar year, an employee can receive up to, but not exceeding, $800 regardless of the number of activities completed. Incentives will be contributed directly to the employee s Health Savings Account (HSA) except, if the: employee does not maintain a Wells Fargo HSA; employee is not eligible to contribute to an HSA when the incentive benefit is payable; or benefit deposited into the employee s HSA would cause the HSA to exceed the maximum allowable contribution for the year. In the above mentioned cases, the reward will be applied to the employee s paycheck, as taxable wages, subject to applicable withholding. An employee must be in active status or on salary continuation at the time the incentive is payable. If an employee is not in active status or on salary continuation at the time the incentive is payable, the payment will be forfeited, regardless of whether the employee terminated employment voluntarily or involuntarily, retired or died. Timing of Incentive Payments Fuel4Life wellness incentives will be paid out on a monthly basis throughout Payments may take up to 90 days from the date the activity has been completed for processing. If an employee has not received an incentive after the 90 day processing period, the employee may contact the Mondelēz International Benefit Center at , or via MyBenefits Online (MyHR Online Quick Links North America select Benefits for U.S. Benefits to access MyBenefits Online) to inquire into the status of the reward. Please note that it may take up to 30 days to determine the status of the inquiry. Important note regarding the timing of incentive payments: Incentives apply to the calendar year during which they are paid not when the activity has been completed. Therefore, activities completed in late 2015 under the 2015 Fuel4Life Wellness incentives policy and paid in 2016 apply toward the 2016 calendar year dollar maximum. For 2016, it is critical that employees attempt to complete activities before the end of Activities completed after October 31, 2016 may not be payable in 2016 and may not be payable in certain circumstances for example, if the Program is not maintained after Any incentive payments made to an HSA will not be subject to withholding or employment taxes to the extent that Mondelēz Global reasonably believes that such payments are not considered taxable income to the employee. Any incentive payments made to an employee s paycheck are fully taxable and are subject to applicable employment and income tax withholding and reporting. Incentives are not considered eligible pay for purposes of any Mondelēz Global benefits plan. Health Screening (Biometric Screening) Eligibility Employee must be enrolled in the Medical. Spouses and Domestic Partners must also be enrolled in the Medical as a dependent of an eligible employee.

3 How to Get Tested For more information on finding an eligible health screening location near you, or to schedule an appointment, log into Redbrick Health and click on health screening. You can get tested using one of the following: 1. Fasting blood panel during annual physical exam between October 15, 2015 and November 30, On-site biometric testing event (at Mondelēz Global work locations) starting February 1, (Employees only) 3. Testing at a Patient Service Center, between January 1, 2016 and December 31, A patient service center is a lab that individuals can visit at their convenience. 4. Testing through Community Access partners between January 1, 2016 and December 31, There are numerous additional testing places in the community available at some retail locations. Employees at Mondelēz Global sites where on-site testing will be made available will be notified of the on-site testing. Employees who choose to be tested at an on-site event will be responsible for enrolling for the event timely. If tested at your Health Care Provider s office: If testing is done at your health care provider s office, you must first obtain the standard Health Screening Form From the Redbrick website. You must complete the employee portion of the form and provide it to your health care provider to complete the form. Your health care provider must the sign the completed form, and fax or mail it to Redbrick so that it is received no later than November 30, If your form is incomplete it will not be processed and will be returned to you. If tested onsite or at a Patient Service Center: If testing is done on-site, or you registered and completed your screening at a Patient Service Center, your results are updated in the Redbrick website within 10 to 15 business days of the screening date. Important Note Regarding Expenses Incurred Under the Medical There are no special exceptions that apply under the Medical to cover expenses incurred in obtaining biometrics through your health care provider. While preventive coverage such as your annual physical is at no cost to you under the Medical, other covered expenses are subject to the annual deductible and coinsurance. Mondelēz Global will pay the entire cost of on-site biometric testing where offered and pay the entire cost for biometric testing at a Patient Service Center, provided you visit an eligible location. See the Redbrick website for a list of Patient Service Centers where testing is at no cost to you. Charges associated with a health care provider completing and sending in the Health Care Provider Form are not covered under the Medical. Privacy of Biometric Information Biometric information will not be shared with Mondelez Global. If you think you might be unable to meet a standard for an incentive under this Program, you might qualify for an opportunity to earn the same incentive by different means. Contact a Redbrick representative and they will work with you (and, if you wish, with your doctor) to find an activity with the same incentive that is right for you in light of your health status.

4 2016 Fuel4Life Wellness Incentives In 2016, the Fuel4Life Wellness Program will be powered by Redbrick Health ( Eligible employees and spouses/domestic partners may receive wellness incentives by participating in the Fuel4Life Wellness activities listed below. Employees enrolled in a Mondelez Global Medical may receive up to a combined total of $800 in wellness incentives. Employees who have waived Mondelez Global Medical coverage may receive up to $400 for participating in certain activities (see column 3). Spouses and Domestic partners may participate in the activities and receive points to qualify for quarterly Redbrick raffles. Activity Redbrick Compass Health Assessment (formerly Personal Health Assessment (PHA) Begin your journey by completing the Redbrick Compass Health Assessment. To receive the incentive, you must complete the Redbrick online Compass Health Assessment on the Redbrick site. The assessment is a user-friendly health questionnaire that takes only a few minutes to complete and provides a detailed comparisons report on health strengths and risks. Health Screening (formerly Biometric Screening) This simplified Health Screening requires only a finger stick blood draw (no fasting required), which can be completed at an onsite workplace screening event, through a Quest diagnostics service center, at approved retail locations or by a physician visit and completion of the physician form. Next-Steps Consult Based on your Compass results, an expert guide will help you find the activities that are the best fit for your needs and goals during a scheduled 15-minute phone call. Wellness Challenges A total of three company-wide challenges will be held during 2016 to help you achieve your wellness goals. If you want to receive the incentive, you must complete the specific challenge within the applicable timeframe. Stay tuned for details on Challenge dates and registration. Incentive $200 Employee Partner: 200pts $250 Employee Partner: 250 pts $50 Employee Partner: 50 pts $75 per challenge $225 maximum Partner: 75 pts per challenge/225 pts maximum Partners Enrolled in the BCBSIL Medical Partners Enrolled in Kaiser Medical WAIVED MEDICAL Employees Not Enrolled in a Medical X X N/A X X NA

5 Activity Health and Wellness Coaching Personalized telephonic coaching helps address your target areas of concern such as nutrition, weight management, smoking cessation, stress management and more. You must schedule and complete personalized coaching calls with Redbrick to receive the incentive. Journeys Journeys offer a unique small-steps approach for changing healthrelated behaviors and are selected by you on the Redbrick website based on personal interest. There are numerous Redbrick Journeys to choose from including: improving sleep, techniques for stress management, fitness, etc. Journeys must be completed via the Redbrick site. Tracking Activity Tool The Redbrick online Track tool tracks personal challenges and healthy habits across a variety of areas: physical activity, nutrition, wellbeing and specific biometric measures. This tool can also be integrated with your personal wellness tracking devices. Participant must track progress through the RedBrick Track online activity tracking tool. Blue Care Connection Disease Management Program Blue Care Advisors (registered nurses and other health care professionals) work with members and doctors to provide education, coaching and monitoring if you are at risk for or already have a chronic condition, such as diabetes, cancer, pulmonary, vascular and renal diseases. Incentive $50 per completed coaching Partner: 50pts per coaching program/200 pts maximum $50 each Partner: 50pts per Journey/200 pts maximum $2 per day/ Partner: 2 pts per day/ 200 pts maximum $200 Partner: 200 pts Partners Enrolled in the BCBSIL Medical Partners Enrolled in Kaiser Medical WAIVED MEDICAL Employees Not Enrolled in a Medical

6 Activity Castlight Healthcare Shopping Tool To receive incentives, you must complete one or more of the following programs at 1. Complete a one-time Castlight registration (only for participants not currently registered) ($50) 2. Complete a general search for medical/dental providers, Rx or procedures ($50 max) 3. Select a Rewards Location for a CT Scan or MRI ($100) 4. Select a Rewards Location for lab work. ($50) 5. Select a Rewards Location for Mammogram ($50) 6. Select a Rewards Location for Colonoscopy ($50) 7. View the Castlight Tutorial Video ($25 max only once annually) Annual physical and/or well woman exam To receive the incentive you must have an annual physical or well woman exam. The incentive will be paid after the claim is processed. The claim must be coded as preventive to satisfy the annual physical or well woman incentive requirement. Telemedicine from MDLive This new virtual medical service through MDLive ( lets you get access to expert advice conveniently from your home computer or mobile device or by calling to speak with a health care provider. To receive the incentive, you must complete a video consult or phone call with the participating telemedicine medical provider. Incentive Partner: 200 pts maximum $100 per calendar year Partner: 100 pts per calendar year $40 each $80 maximum Partners Enrolled in the BCBSIL Medical Partners Enrolled in Kaiser Medical WAIVED MEDICAL Employees Not Enrolled in a Medical

PREMIUM REWARDS PROGRAM FAQ

PREMIUM REWARDS PROGRAM FAQ HEALTHY@HARRIS PREMIUM REWARDS PROGRAM FAQ PARTICIPATE 9/1/17 THROUGH 8/31/18 REWARDS EFFECTIVE 3/1/19 (FY20) REWARDS PROGRAM OVERVIEW AND SYSTEM 1. WHAT IS THE HARRIS HEALTHY@HARRIS PREMIUM REWARDS PROGRAM?

More information

Being healthy has its rewards.

Being healthy has its rewards. Drexel University 2018 Wellness Incentive Guide Being healthy has its rewards. Complete healthy actions to earn your incentive! Drexel University s A Healthier U program, in partnership with Health Advocate,

More information

2017 What s New Guide

2017 What s New Guide 2017 What s New Guide 2 Click on a link in the sidebar to get started. At XL Catlin, you partner with us to serve our clients, so we partner with you to provide valuable health and welfare benefits. Each

More information

Annual Benefits Enrollment is October 3 14, 2016.

Annual Benefits Enrollment is October 3 14, 2016. John Deere and You: Annual Benefits Enrollment for 2017 John Deere is committed to providing comprehensive, valuable, and affordable benefits to you and your family through our Healthy Directions program.

More information

What s an FSA? FLEXIBLE SPENDING SPENDING ACCOUNT

What s an FSA? FLEXIBLE SPENDING SPENDING ACCOUNT What s an FSA? FLEXIBLE SPENDING SPENDING ACCOUNT ACCOUNT Agenda 1. FSA Basics Who is Eligible? 2. Using Your FSA What Expenses are Eligible Contributing to Your FSA Using Your FSA Online FSA Debit Card

More information

2019 FAQs Medical plan. Frequently Asked Questions from employees

2019 FAQs Medical plan. Frequently Asked Questions from employees 2019 FAQs Medical plan Frequently Asked Questions from employees September 2018 Medical plan benefits Here are some commonly asked questions about the Medical Plan Benefits that our employees have raised.

More information

WELLNESS. Program Guide. January 1, 2016 December 1, P a g e

WELLNESS. Program Guide. January 1, 2016 December 1, P a g e WELLNESS Program Guide January 1, 2016 December 1, 2016 1 P a g e OneHealthyOlympus Dear Olympus Employee and Family, BIG CHANGES ARE COMING TO THE OLYMPUS WELLNESS PROGRAM. Employees who wish to enroll

More information

A Better Way to Control Your Healthcare Costs

A Better Way to Control Your Healthcare Costs A Better Way to Control Your Healthcare Costs Plan Features: Fully funded ERISA plan designs Integrated, personalized wellness program at no additional cost Up to a $500 annual wellness incentive available

More information

Welcome. Open Enrollment. A&M Care Plans. Health Care Coverage For You and Your Family

Welcome. Open Enrollment. A&M Care Plans. Health Care Coverage For You and Your Family Open Enrollment Health Care Coverage For You and Your Family A&M Care Plans Welcome A Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross

More information

Welcome to Open Enrollment for Plan Year 2017.

Welcome to Open Enrollment for Plan Year 2017. Welcome to Open Enrollment for Plan Year 2017. 1 We begin by reviewing the State of the Health Plan. This year the legislature authorized an efficiency study of State operations including the health plan.

More information

ANNUAL ENROLLMENT October 23 - November 6, 2017

ANNUAL ENROLLMENT October 23 - November 6, 2017 ANNUAL ENROLLMENT October 23 - November 6, 2017 2018 is looking good Emory s annual benefits enrollment, held October 23 through November 6, 2017, provides you with an opportunity to review your current

More information

Health Care Coverage You Need. A Company You Know.

Health Care Coverage You Need. A Company You Know. Health Care Coverage You Need. A Company You Know. 2018 Call 800-477-2000, visit bcbsil.com or contact an independent, authorized agent to get a quote today. When It s Time to Get Health Care Coverage,

More information

2018 Employee Benefits

2018 Employee Benefits 2018 Employee Benefits Thanks for your interest in IDEX! We are proud to offer a competitive benefits package and a variety of plan options, that can be customized to meet our employees individual needs.

More information

HEALTHYROADS WELLNESS PROGRAM WELCOME TO YOUR NEW GET HEALTHIER WITH UA'S NEW INCENTIVE PROGRAM AND GET REWARDED FOR IT!

HEALTHYROADS WELLNESS PROGRAM WELCOME TO YOUR NEW GET HEALTHIER WITH UA'S NEW INCENTIVE PROGRAM AND GET REWARDED FOR IT! WELCOME TO YOUR NEW HEALTHYROADS WELLNESS PROGRAM Benefits to Help You and Your Family Achieve Better Health Statewide Office of Human Resources 212 Butrovich Building PO BOX 755140 Fairbanks, AK 99775-5140

More information

2018 CHS LiveWELL Health Plan Summary

2018 CHS LiveWELL Health Plan Summary HOW THE 2018 CHS LIVEWELL HEALTH PLAN WILL WORK YOUR Health Savings Account Premium Difference* CHS Contributions Incentives $2,150 Deductible Co-insurance $1,850 Health Plan: 75% $5,600 Teammate: 25%

More information

FOREIGN SERVICE BENEFIT PLAN

FOREIGN SERVICE BENEFIT PLAN FOREIGN SERVICE BENEFIT PLAN Summary of 2017 Benefits Health Plan Accredited by The FOREIGN SERVICE BENEFIT PLAN has Health Plan Accreditation from the Accreditation Association for Ambulatory Healthcare,

More information

Health Savings Account (HSA) Plan User Guide

Health Savings Account (HSA) Plan User Guide Page 1 Health Savings Account (HSA) Plan User Guide Welcome to Symantec s Health Savings Account (HSA) Plan You ve enrolled in the Health Savings Account (HSA) Plan, a medical plan option that represents

More information

Medicare Plus Blue Group PPO SM

Medicare Plus Blue Group PPO SM Medicare Plus Blue Group PPO SM St. Clair County Retirees Working with Medicare to simplify your health coverage Today s Agenda Medicare Advantage What is Medicare Advantage? Who is eligible? Medicare

More information

2015 HSA Plan Quick Guide

2015 HSA Plan Quick Guide 2015 HSA Plan Quick Guide The HSA Plan consists of two parts that work together to give you more control over how you receive and pay for medical care and services, both now and in the future: the Health

More information

John Deere and You: 2017 Benefits Enrollment for New Employees

John Deere and You: 2017 Benefits Enrollment for New Employees John Deere and You: 2017 Benefits Enrollment for New Employees Congratulations on joining John Deere and welcome to the Healthy Directions benefit program. Healthy Directions has three essential components

More information

COMPASS ROSE HEALTH PLAN PROTECTING OUR MEMBERS SINCE 1948

COMPASS ROSE HEALTH PLAN PROTECTING OUR MEMBERS SINCE 1948 PLAN YEAR 2019 COMPASS ROSE HEALTH PLAN PROTECTING OUR MEMBERS SINCE 1948 POWERED BY compassrosebenefits.com 1 WELCOME WE ARE HERE TO HELP YOU SOLVE THE COMPLEXITIES OF INSURANCE PLAN HIGHLIGHTS COMPASS

More information

2014 BENEFITS HIGHLIGHTS. It s all about choices. And you.

2014 BENEFITS HIGHLIGHTS. It s all about choices. And you. 2014 BENEFITS HIGHLIGHTS It s all about choices. And you. 2 What s new for 2014 Katy ISD s 2014 annual enrollment is almost here. This means it s a good time to begin learning about your options as you

More information

Wellness for Life Healthy activities guide. Improve your health and earn rewards

Wellness for Life Healthy activities guide. Improve your health and earn rewards Wellness for Life Healthy activities guide Improve your health and earn rewards Live healthy. Earn rewards. Wellness for Life is a unique program that rewards you for making healthy choices. As a faculty/staff

More information

Frequently Asked Questions 2018 Annual Enrollment

Frequently Asked Questions 2018 Annual Enrollment The Annual Enrollment window will open on Monday, Oct. 9 to make 2018 benefit elections. Failure to enroll by Monday, Oct. 23 will result in no coverage for 2018. Visit windstreambenefits.com to enroll.

More information

AGREEMENT BENEFITS INFORMATION FOR NEW HIRES

AGREEMENT BENEFITS INFORMATION FOR NEW HIRES AGREEMENT BENEFITS INFORMATION FOR NEW HIRES UPREHS Labor Relations New hire kits will be mailed to you about one to three weeks after you begin working at Union Pacific. These kits will contain enrollment

More information

At Cummins, we want to empower our employees to be healthier, more energetic, creative, and productive.

At Cummins, we want to empower our employees to be healthier, more energetic, creative, and productive. February 2014 New Year Message from Dr. Dexter Shurney Dear Cummins Employees: In 2014, do you want to be healthier? More energetic? More productive at work and at home? There is no better time than the

More information

2018 HRA Core Plan Member Guide. Aetna, Anthem, Cigna, CVS Caremark

2018 HRA Core Plan Member Guide. Aetna, Anthem, Cigna, CVS Caremark 2018 HRA Core Plan Member Guide Aetna, Anthem, Cigna, CVS Caremark What s Inside 3 Your Medical and Prescription Drug ID Cards 4 Plan Features 6 Health Reimbursement Account 8 Your Non-Emergency Care Options

More information

News and Updates on Your Health Benefits Program

News and Updates on Your Health Benefits Program News and Updates on Your Health Benefits Program DoD NAF Open Enrollment: Nov ember 2 27, 2015 Take charge of your health care costs This newsletter contains information and important changes to your DoD

More information

Adobe 2014 Aetna Medical Plans

Adobe 2014 Aetna Medical Plans Quality health plans & benefits Healthier living Financial well-being Intelligent solutions Adobe 2014 Aetna Medical Plans 2012 Aetna 2014 Medical Plan Options Aetna HealthSave (HSA) new for 2014 Aetna

More information

BE THE BEST HEALTHY YOU

BE THE BEST HEALTHY YOU BE THE BEST HEALTHY YOU IT S TIME TO ENROLL IN YOUR BENEFITS At Pinnacle Entertainment, we are committed to supporting you both personally and professionally. An important part of that is offering benefits

More information

BlueRewards. Have you heard about. Choose from thousands of Great Rewards!

BlueRewards. Have you heard about. Choose from thousands of Great Rewards! Have you heard about BlueRewards BlueRewards is a positive way to help you improve your health through a variety of activities, tools and resources, including a Personal Health Assessment (PHA). As you

More information

BlueOptions. Making the Important Choices Easier. floridablue.com. Enrollment Guide For Group Employees

BlueOptions. Making the Important Choices Easier. floridablue.com. Enrollment Guide For Group Employees BlueOptions Enrollment Guide For Group Employees Making the Important Choices Easier. floridablue.com Health plan benefits Enrolling in your benefits When your employer offers Florida Blue benefits, we

More information

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

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

More information

The Power of YOU! your personal guide to consumer-directed healthcare

The Power of YOU! your personal guide to consumer-directed healthcare your personal guide to consumer-directed healthcare The Power of YOU! 01MK2737 R5/08 Blue Cross and Blue Shield of Louisiana is an independent licensee of the Blue Cross and Blue Shield Association and

More information

Compliance Issues Around Effective Wellness Programs

Compliance Issues Around Effective Wellness Programs Compliance Issues Around Effective Wellness Programs September 16, 2015 Disclaimer Our presentations and publications are for educational purposes only and are not intended, and should not be relied upon,

More information

AGREEMENT BENEFITS INFORMATION FOR NEW HIRES

AGREEMENT BENEFITS INFORMATION FOR NEW HIRES AGREEMENT BENEFITS INFORMATION FOR NEW HIRES Labor Relations Version Date: February 3, 205 A new hire kit will be mailed to you about one to three weeks after you begin working at Union Pacific. This kit

More information

Welcome to Live Your Whole Life

Welcome to Live Your Whole Life Welcome to Live Your Whole Life NEW Health Plan Rewards Design 2016 Overview Information on Maintaining Your Lower Insurance Premium for Colleagues and Spouses/Domestic Partners on the Saint Alphonsus

More information

John Deere and You: 2018 Annual Benefits Enrollment. For Salaried Employees

John Deere and You: 2018 Annual Benefits Enrollment. For Salaried Employees John Deere and You: 2018 Annual Benefits Enrollment For Salaried Employees The Healthy Directions program provides comprehensive, valuable, and affordable benefits to help you and your family live well.

More information

Department of Defense Nonappropriated Fund Health Benefits Program. Get Ready. To Enroll

Department of Defense Nonappropriated Fund Health Benefits Program. Get Ready. To Enroll Department of Defense Nonappropriated Fund Health Benefits Program Get Ready To Enroll DoD NAF Open Enrollment: November 7 December 2, 2016 Get prepared for Open Enrollment During Open Enrollment, November

More information

UEBT Physician Biometric Screening Form

UEBT Physician Biometric Screening Form UEBT Physician Biometric Screening Form For: Currently Enrolled Blue Shield PPO Members and Spouses/Domestic Partners who wish to participate in the UEBT Wellness Program (which is sometimes referred to

More information

Open Enrollment. and Summary of Material Modifications. prepared for

Open Enrollment. and Summary of Material Modifications. prepared for 2014 Open Enrollment and Summary of Material Modifications prepared for Medical, Dental, Vision, Disability, Life/AD&D, Flexible Spending Accounts, Employee Assistance Program 2014 Open Enrollment and

More information

+Additional Benefits (see page 5)

+Additional Benefits (see page 5) HOW THE 2017 CHS LIVEWELL HEALTH PLAN WORKS TEAMMATE ONLY CHS Contributes = $350 You earn all LiveWELL Incentives = $750 You contribute premium savings = $1,050 $2,150 $1,850 CHS LiveWELL Health Plan 75%

More information

2013 Benefits. Open Enrollment Is Coming. Take Three Steps to Get Ready. e Review your enrollment materials. This newsletter and the open

2013 Benefits. Open Enrollment Is Coming. Take Three Steps to Get Ready. e Review your enrollment materials. This newsletter and the open 2013 OPEN ENROLLMENT NEWSLETTER SEPTEMBER 2012 2013 Benefits Open Enrollment Is Coming 2013 Open Enrollment Sneak Preview CPChem s Pharmacy Benefit Changes for 2013 A Year in Their Shoes What s in Your

More information

There are several reasons why employers sponsor the Healthy Transformations worksite wellness plan:

There are several reasons why employers sponsor the Healthy Transformations worksite wellness plan: There are several reasons why employers sponsor the Healthy Transformations worksite wellness plan: 1. Create a healthier and happier worksite culture 2. Reduce absenteeism and turnover 3. Save money by

More information

Ensuring your health Health Plans for Oregon Individuals and Families

Ensuring your health Health Plans for Oregon Individuals and Families Ensuring your health 2019 Health Plans for Oregon Individuals and Families At your service The PacificSource difference is our exceptional customer service. We re focused on making health insurance easier

More information

2019 HSA Guide. Read more inside! 2019 HSA Guide

2019 HSA Guide. Read more inside! 2019 HSA Guide The HSA Plan consists of two parts that work together to give you more control over how you receive and pay for medical care and services, both now and in the future: the Health Savings Account and the

More information

There are several reasons why employers sponsor the Healthy Transformations worksite wellness plan:

There are several reasons why employers sponsor the Healthy Transformations worksite wellness plan: Healthy Transformations is a participation-based wellness plan, which means the incentives awarded to employees are based on their willingness to participate, not by achieving a particular health or wellness

More information

2018 FAQs. Prescription drug program. Frequently Asked Questions from employees

2018 FAQs. Prescription drug program. Frequently Asked Questions from employees 2018 FAQs Prescription drug program Frequently Asked Questions from employees September 2017 Prescription drug program Questions we ve heard our employees ask Here are some commonly asked questions about

More information

Have Questions? We Have Answers

Have Questions? We Have Answers Have Questions? We Have Answers Your 2018 Annual Enrollment Checklist QUESTIONS ABOUT: This is your annual opportunity to ensure you and your family have the benefits coverage you need. Don t miss out

More information

2016 State Health Plan Annual Enrollment

2016 State Health Plan Annual Enrollment 2016 State Health Plan Annual Enrollment Agenda Annual Enrollment Changes Overview of the 2016 changes Wellness Premium Credits Review of 2016 Plan options 2016 NCFlex Changes 2 Log In to enroll at: hr.unca.edu/2016-insurance-enrollment

More information

HEALTH SAVINGS ACCOUNTS New Tax-Advantaged Medical Plan Option for 2006

HEALTH SAVINGS ACCOUNTS New Tax-Advantaged Medical Plan Option for 2006 Occidental Petroleum Corporation Benefits News Special Edition September 2005 HEALTH SAVINGS ACCOUNTS New Tax-Advantaged Medical Plan Option for 2006 As announced in last month s Benefits News, an exciting

More information

What s New in Healthy Advantage Option and Health Savings Account

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

More information

Your health is in your hands

Your health is in your hands Your health is in your hands General Dynamics Mission Systems is here to help Know your options Make a plan Take action 2017 Annual Enrollment At GDMS, we know nothing is more important than taking care

More information

Brevard Public Schools Medical Plan Options & Resources

Brevard Public Schools Medical Plan Options & Resources Brevard Public Schools Medical Plan Options & Resources Plan Year: 1/1/2017 12/31/2017 862431 a 04/14 Offered by: Cigna Health and Life Insurance Company, Connecticut General Life Insurance Company, or

More information

Health Benefits Program

Health Benefits Program Department of Defense Nonappropriated Fund Health Benefits Program What s new in 2017 with your Health Benefits Program DoD NAF Open Enro lment: November 7 December 2, 2016 Learn about updates to your

More information

Your Guide to the Anthem Lumenos High Deductible Health Plan (HDHP)

Your Guide to the Anthem Lumenos High Deductible Health Plan (HDHP) 2018 Your Guide to the Anthem Lumenos High Deductible Health Plan (HDHP) The Anthem Lumenos HDHP is a medical plan that offers comprehensive coverage for everything from doctor visits, x-rays and lab tests,

More information

Health Care Coverage You Need. A Company You Know.

Health Care Coverage You Need. A Company You Know. Health Care Coverage You Need. A Company You Know. 2018 Call 800-531-4456, visit bcbstx.com or contact an independent, authorized agent to get a quote today. When It s Time to Get Health Care Coverage,

More information

Health and Insurance Highlights Powering You to Live Well

Health and Insurance Highlights Powering You to Live Well Health and Insurance Highlights Powering You to Live Well Eaton recognizes how important health and insurance benefits are in meeting the varying needs of today s employees and their families. This highlights

More information

Brevard Public Schools Medical Plan Options & Resources

Brevard Public Schools Medical Plan Options & Resources Brevard Public Schools Medical Plan Options & Resources Plan Year: 1/1/2018 12/31/2018 862431 a 04/14 Offered by: Cigna Health and Life Insurance Company, Connecticut General Life Insurance Company, or

More information

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

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

More information

Take control of your health with CIGNA

Take control of your health with CIGNA Take control of your health with CIGNA Only CIGNA offers: More than $500 in incentive rewards up to $275 for individuals and $550 for SHBP subsribers and their covered spouses who participate in our health

More information

Welcome to your Premera HSA plan

Welcome to your Premera HSA plan Welcome to your Premera HSA plan Company name Effective 1.1.2016 SAVINGS Get started You re enrolled in the HSA plan from Premera Blue Cross. It comes fully assembled and integrated, so you can immediately

More information

Workplace Wellness Programs and Regulatory Requirements

Workplace Wellness Programs and Regulatory Requirements Workplace Wellness Programs and Regulatory Requirements Alliance for Health Reform Briefing June 22, 2015 Karen Pollitz, Senior Fellow Kaiser Family foundation Among Firms Offering Health Benefits, Percentage

More information

NJWELL OVERVIEW Administered by the NJDPB Program Year November 1 through October 31

NJWELL OVERVIEW Administered by the NJDPB Program Year November 1 through October 31 NJWELL OVERVIEW Administered by the NJDPB Program Year November 1 through October 31 Pensions & Benefits WHAT IS NJWELL? NJWELL is an incentive based wellness program for active State Health Benefits Program

More information

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

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

More information

Better Choices. Better Health. BE FIT! Health Rewards Personal Planner. The School District of Palm Beach County

Better Choices. Better Health. BE FIT! Health Rewards Personal Planner. The School District of Palm Beach County Better Choices. Better Health. Be Engaged Focused Inspired Transformed BE FIT! Health Rewards - 2018 Personal Planner The School District of Palm Beach County PalmBeachSchools.org/Wellness - 1 Welcome

More information

Benefit Guide. Oregon Large Group. For employer groups of 51 or more employees, enrolling or renewing, effective on or after Aug.

Benefit Guide. Oregon Large Group. For employer groups of 51 or more employees, enrolling or renewing, effective on or after Aug. Benefit Guide effective on or after Aug. 1, 2012 Oregon Large Group For employer groups of 51 or more employees, enrolling or renewing, You choose Bob s Red Mill, Bob s Red Mill chose Providence. We really

More information

HEALTHY LIFE. Resource Guide. Offer by: Cigna Health and Life Insurance Company, Connecticut General Life Insurance Company or their affiliates.

HEALTHY LIFE. Resource Guide. Offer by: Cigna Health and Life Insurance Company, Connecticut General Life Insurance Company or their affiliates. HEALTHY LIFE Resource Guide Offer by: Cigna Life Insurance Company, Connecticut General Life Insurance Company their affiliates. 806310j 05/16 Cigna s y Life is about inspiring you your family to join

More information

Investor Overview NYSE: CSLT

Investor Overview NYSE: CSLT Investor Overview NYSE: CSLT June 2017 This presentation contains forward-looking statements regarding our trends, our strategies and the anticipated performance of our business, including our guidance

More information

DoD NAF HBP Open Enrollment Overview

DoD NAF HBP Open Enrollment Overview DoD NAF HBP Open Enrollment Overview For the 2018 Open Enrollment Period, you will receive an announcement postcard mailed to your home. The postcard will direct you to www.nafhealthplans.com for all coverage

More information

Health Care Coverage You Need. A Company You Know.

Health Care Coverage You Need. A Company You Know. Health Care Coverage You Need. A Company You Know. 2018 Call 855-593-1515, visit www.bcbsmt.com or contact an independent, authorized agent to get a quote today. When It s Time to Get Health Care Coverage,

More information

CYPRESS CLIENT PANEL. How Cypress Clients are Successfully Addressing their Benefit Offering Needs. Natasha Plank-Ottum, Plank Enterprises

CYPRESS CLIENT PANEL. How Cypress Clients are Successfully Addressing their Benefit Offering Needs. Natasha Plank-Ottum, Plank Enterprises CYPRESS CLIENT PANEL How Cypress Clients are Successfully Addressing their Benefit Offering Needs Natasha Plank-Ottum, Plank Enterprises Plank Enterprises, Inc. Our Journey to Cost-Effective Worksite Wellness

More information

YOUR CIGNA CHOICE FUND HEALTH SAVINGS ACCOUNT

YOUR CIGNA CHOICE FUND HEALTH SAVINGS ACCOUNT YOUR CIGNA CHOICE FUND HEALTH SAVINGS ACCOUNT Your health plan plus a health savings account JM Huber 2016 Offered by Cigna Health and Life Insurance Company or Connecticut General Life Insurance Company

More information

Requirements to meet Healthy for Life premium rate continue

Requirements to meet Healthy for Life premium rate continue Requirements to meet Healthy for Life premium rate continue In 2017, employees and their spouses (if enrolled in an LG&E and KU medical plan) must once again complete the following wellness requirements

More information

Compliant Wellness Programs Under Healthcare Reform. Wednesday, May 22, :00 pm 3:00 pm EST

Compliant Wellness Programs Under Healthcare Reform. Wednesday, May 22, :00 pm 3:00 pm EST Compliant Wellness Programs Under Healthcare Reform Wednesday, May 22, 2013 2:00 pm 3:00 pm EST Today s Speakers Joe DiBella Executive Vice President of the Health & Welfare Practice Conner Strong & Buckelew

More information

Open Enrollment. November 5 to November 23, pg. 1

Open Enrollment. November 5 to November 23, pg. 1 Open Enrollment November 5 to November 23, 2018 pg. 1 Table of Contents General Information. 3 Open Enrollment Checklist.. 4 What s New for 2019?... 5 NEW Optional Life Insurance. 6 2019 Employee Premiums

More information

Live Bright. Benefi ts Enrollment Guide for Retirees and Surviving Dependents

Live Bright. Benefi ts Enrollment Guide for Retirees and Surviving Dependents 2010 Live Bright Benefi ts Enrollment Guide for Retirees and Surviving Dependents About this guide This 2010 Benefits Enrollment Guide describes the medical plans available for 2010 and how to enroll.

More information

Benefits: Questions and Answers

Benefits: Questions and Answers Benefits: Questions and Answers HRA 1. What is an HRA? Answer An HRA is a Healthcare Reimbursement Account. It is made up of notional money that is put in by PG&E. 2. What does notional money mean? Answer-

More information

Presented by Guerren Solbach

Presented by Guerren Solbach Presented by Guerren Solbach Agenda Your options Changes for 2017 to be noted Pre-paid medical plans Medical/Mental Health/R x PPO insurance plans Medical/Mental Health/R x Conclusion 2 UC Medical Plan

More information

Medicare PPO Blue (PPO)

Medicare PPO Blue (PPO) Benefits Overview 2016 Drug Copayments $10 $20 $35 Medicare PPO Blue (PPO) Medicare PPO Blue (PPO) is a Medicare Advantage plan from Blue Cross and Blue Shield of Massachusetts HMO Blue, Inc. Blue Cross

More information

COMING SOON! 2017 Annual Enrollment

COMING SOON! 2017 Annual Enrollment September 2016 VOLUME 19 NO. 4 New & Noteworthy COMING SOON! 2017 Annual Enrollment The 2017 Annual Enrollment period begins Monday, October 10 and ends at midnight on Friday, October 28. This edition

More information

What to Know About Your Health Plan

What to Know About Your Health Plan What to Know About Your Health Plan 1 Given the ever changing nature of health care, it s no surprise many people have a diffcult time understanding their health benefts. However, learning the basics of

More information

Fort Worth Firefighters Healthcare Trust 2019 Benefits Guide

Fort Worth Firefighters Healthcare Trust 2019 Benefits Guide Fort Worth Firefighters Healthcare Trust 2019 Benefits Guide What s Inside The Local 440 Benefits Trust provides participants and their eligible dependents a vital program of benefits designed to keep

More information

ACTION REQUIRED: 2018 Benefits Open Enrollment

ACTION REQUIRED: 2018 Benefits Open Enrollment September 5, 2017 ACTION REQUIRED: 2018 Benefits Open Enrollment In June, MITRE announced that we are consolidating health insurance plans under a single, national administrator: Aetna. This packet includes

More information

Medical Plan Options - Retirees Age 65 or Over/ Disabled Participants with Medicare Coverage

Medical Plan Options - Retirees Age 65 or Over/ Disabled Participants with Medicare Coverage l Plan Options - Retirees Age 65 or Over/ Disabled Participants with re Program Name Group Prime Solution Group Prime Solution for Seniors for Seniors Type of Policy re Cost Plan with re Prescription Drug

More information

UnitedHealthcare Choice Plus Health Savings Account (HSA) Plans User Guide

UnitedHealthcare Choice Plus Health Savings Account (HSA) Plans User Guide UnitedHealthcare Choice Plus Health Savings Account (HSA) Plans User Guide Tips for Healthy Saving and Spending CHOOSE HEALTH. SPEND WISELY. We are committed to offering you a comprehensive benefits program

More information

2019 Benefits. Choices as unique as your are.

2019 Benefits. Choices as unique as your are. 2019 Benefits. Choices as unique as your are. It s time to choose your benefits! Learn more at BSWHbenefits.com. Benefits Enrollment Checklist! Use this handy checklist to keep track of your benefits decisions.

More information

High-Deductible Health Plan (HDHP) HealthFlex HDHPs

High-Deductible Health Plan (HDHP) HealthFlex HDHPs A FRESH APPROACH TO HEALTH CARE COVERAGE High-Deductible Health Plan (HDHP) HealthFlex HDHPs a general agency of The United Methodist Church A Different Type of Health Coverage By offering a HealthFlex

More information

Group Medicare Plans at a Glance

Group Medicare Plans at a Glance GROUP MEDICARE PLANS Group Medicare Plans at a Glance for Employer Groups 2015 Toll-free 1-800-851-3379 ext. 8024 TTY: 711 HealthAlliance.org mkt-grpmedplansbro-1014 Coverage You Know and Trust If you

More information

2015 Individual and Family Plan

2015 Individual and Family Plan 2015 Individual and Family Plan A different kind of health insurance. We were built for you. InHealth Mutual is a trade name of Coordinated Health Mutual, Inc. CHM_ SMM05_0914 A different kind of partner

More information

HDHP with HSA Plan Overview

HDHP with HSA Plan Overview HDHP with HSA Plan Overview The HDHP with HSA plan gives you medical coverage coupled with a Health Savings Account (HSA) that you can fund with pre-tax contributions. You can use money in your HSA to

More information

2015 Summary of Benefits

2015 Summary of Benefits 2015 Summary of Benefits Effective January 1, 2015, through December 31, 2015 H3909 Y0041_H3909_PC_15_18889 Accepted 09/01/2014 Section I: Introduction to Summary of Benefits You have choices about how

More information

Compass Group 2016 Benefits-at-a-Glance For Ongoing Enrollment

Compass Group 2016 Benefits-at-a-Glance For Ongoing Enrollment Compass Group 206 Benefits-at-a-Glance For Ongoing Enrollment We understand that each of our associates have unique needs. That is why Compass Group offers a variety of benefit options, plus tools and

More information

pleasanton isd EMPLOYEE BENEFITs CENTER

pleasanton isd EMPLOYEE BENEFITs CENTER PLAN YEAR: September 1, 2017 August 31, 2018 pleasanton isd What s inside? EMPLOYEE BENEFITS CENTER HOW TO ENROLL S125 PLAN INFORMATION FLEXIBLE SPENDING ACCOUNTS AVAILABLE RESOURCES BENEFITS AT A GLANCE

More information

Custom Benefit Program Enrollment Guide

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

More information

PA 152 Compliance Plan Design Strategic Initiative

PA 152 Compliance Plan Design Strategic Initiative PA 152 Compliance Plan Design Strategic Initiative Presented by: Brenda White, Assistant Vice President Leslie Foster, Senior Account Specialist Aon 171 Monroe Avenue NW, Suite 525 Grand Rapids, MI 49503

More information

Open Enrollment Period: July 14 - August 29, 2014

Open Enrollment Period: July 14 - August 29, 2014 - 1 - CYPRESS-FAIRBANKS INDEPENDENT SCHOOL DISTRICT SUBSTITUTE EMPLOYEES OPEN ENROLLMENT / NEW HIRE PACKET AUGUST, 2014 Medical Insurance Available to Substitutes and Other Temporary Employees Expected

More information

2017 Annual Enrollment

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

More information

Aetna International Expatriate Medical Insurance Orientation

Aetna International Expatriate Medical Insurance Orientation Aetna International Expatriate Medical Insurance Orientation Alyssa Januszewski November 2018 Agenda Medical Plan Overview Plan Enrollment Benefit Enrollment Changes Plan Coverage Pharmacy Shipping Option

More information

Ascend To Wholeness Healthcare Plans Plan Guide

Ascend To Wholeness Healthcare Plans Plan Guide Ascend To Wholeness Healthcare Plans 2018 Plan Guide 1 What s changing, and what does this mean for me? Seventh-day Adventist Church employers based in the United States, asked Adventist Risk Management,

More information