CRC BENEFITS November News 2017 2018 OPEN ENROLLMENT Now through November 15th Medical and Dental Plans CRC partners with employees to provide comprehensive, affordable medical coverage by paying approximately 85% of the costs, with employees picking up the remaining 15% in the form of monthly contributions. For 2018, both CRC and employees will continue to share the cost of the medical plan at the same levels. Monthly contributions will increase as shown in the chart below, due to an approximate 10% increase in medical plan costs. Since our medical costs are largely driven by the actual medical services utilized by CRC families, we can all help control the future increases in our medical plan costs by taking a few simple steps (see page 5) to manage how we access medical care. Additionally, effective January 1, 2018, the annual deductibles under the High Deductible Medical Plan will increase from $1,300/$2,600 individual/family to $1,350/$2,900 individual/family, which are the minimum allowed under the law for high deductible health plans. The out-of-pocket and annual maximums, if any, are unchanged for the Core Medical Plan and the High Deductible Medical Plan. NEW PLANS FOR 2018 Effective January 1, 2018, we are excited to announce two new benefit plan offerings vision and group legal. CRC Vision Plan through Aetna Vision SM Preferred, provides two plan options and features an extensive network of vision care providers, including doctors and eyewear suppliers. MetLaw through Hyatt Legal Plans, provides unlimited comprehensive legal coverage for many common personal legal needs of a member and their family. Refer to pages 2 and 3 for more information. Dental contributions will remain unchanged for 2018. Coverage Level 2018 MONTHLY CONTRIBUTION RATES* Aetna Core Aetna High Deductible Kaiser United Healthcare Dental In This Issue New! Vision Plan Employee Only Employee + One $111 $33 $84 $105 $13 $222 $66 $168 $209 $26 New! Group Legal Services Savings Plan Update Federal Notices Family $333 $99 $268 $337 $39 *Biweekly contributions will be deducted eac h pay period. Page 1
NEW ENHANCED VISION COVERAGE We are pleased to announce that on January 1, 2018, enhanced vision benefits for eye exams and eyewear are available to all employees, spouses and dependents! More than ever, vision care is not just about seeing more clearly. A comprehensive eye exam can reveal early signs of serious and costly diseases, including high blood pressure, diabetes, heart disease and high cholesterol. The CRC Vision Plan offered through Aetna Vision SM Preferred provides a diverse network, from independent private practicing optometrists, ophthalmologists, and opticians, to optical retailers like Target, Sears, LensCrafters and Pearle Vision. Coverage includes comprehensive eye examinations, prescription eyewear and contact lenses, as well as discounts for LASIK surgery. The Vision Plan does offer an out-of-network benefit; however, the in-network benefits provide the best value. Refer to the enclosed benefit summary for more details. Choose from Two Plan Options Vision Basic - CRC pays full premium Vision Plus - you pay the difference IMPORTANT: You MUST enroll for this coverage during Open Enrollment to receive this valuable benefit. Features of Aetna Vision Preferred Eye exams Eyeglass frames and lenses Contact lenses Discounts on LASIK and sunglasses No referrals necessary; just make an appointment directly with your network provider Contactsdirect.com 98% of orders ship same day 2018 MONTHLY CONTRIBUTION RATES* Coverage Level Vision Basic Vision Plus It s as Simple as... 1. Locate a provider at www.aetnavision.com or use the Aetna Vision Preferred mobile app 2. Schedule an appointment 3. Use your benefits! No claim forms are necessary for in-network providers. Your comprehensive eye exam is no cost to you at network providers, and depending on the Plan you choose, you may pay little to no copay for lenses and receive frame and contact lens allowances. Employee Only $0 $6 Employee + One $0 $11 Family $0 $16 *Biweekly contributions will be deducted each pay period. Page 2
NEW GROUP LEGAL SERVICES Introducing MetLaw Group Legal Services through MetLife! Navigating through some of life s important moments, such as buying a home, creating a will or defending a civil litigation matter, can be overwhelming, especially if you can t find an attorney that meets your needs or your budget. Now you can take advantage of MetLaw, a legal services plan from Hyatt Legal Plans, a MetLife company, to get convenient access to comprehensive legal services at an affordable cost. Services are available to employees, spouses and dependent children. Enroll during Open Enrollment to take advantage of all of these valuable legal benefits! To speak with a MetLaw Benefits Consultant, call 800-GET-MET8 (800-438-6388). How Can MetLaw Benefit You? You can receive legal advice and representation from a qualified attorney and all you pay is a low monthly premium deducted from your paycheck. Your choice of experienced attorneys With MetLaw, you have access to a broad network of credentialed attorneys who have an average of 25 years of experience. You can also choose to work with an out-of-network attorney and may be reimbursed according to the fee schedule.1 Low monthly cost for unlimited use No matter how many times throughout the year you use the services of a network attorney for covered legal matters, all you pay is a monthly premium, no copays no deductibles. For the same cost as finding an attorney on your own for a single legal matter, you get full service on an unlimited number of the most common personal legal matters by telephone or in-person, regardless of how long it takes. MetLaw Covers Most Common Personal Legal Matters Estate planning documents, including wills and trusts Real estate matters Identity theft defenses Financial matters, such as debt-collection defenses Traffic offenses Document reviews Family law, including adoptions and name changes Advice and consultation on personal legal matters And many other services Go to info.legalplans.com/home to learn more about the legal plan and enter Access Code Legal. Peace of Mind for You and Your Dependents Knowing that experienced legal counsel is just a phone call away can help bring peace of mind for you and your family. Employee Cost Per Month* $18 *Biweekly contributions will be deducted each pay period. 1 You will be responsible to pay the difference, if any, between the Plan s payment and the non-plan Attorney s charge for services. Contact MetLife for a complete fee schedule. Page 3
FIDELITY MOBILE APP For those who are always on the go Fidelity has a mobile app for you NetBenefits. Get the mobile app from either the App Store or Google Play. After downloading the app, you can change your CRC Savings Plan contributions and investments, manage your CRC Employee Stock Purchase Plan participation, and much more, anytime, anywhere. CRC SAVINGS PLAN UPDATES 2018 Annual Contribution Limits The government limits the annual before-tax and Roth amounts that you may contribute to 401(k) plans like the CRC Savings Plan. For 2018, this limit is increased to $18,500. The compensation limit is increased to $275,000. CRC s matching contributions will be made on both your before-tax and after-tax contributions. Catch-Up Contributions Employees who will be age 50 or older by December 31, 2018, are eligible to make additional before-tax and/or Roth catch-up contributions to the CRC Savings Plan during 2018 up to a $6,000 maximum. EMPLOYEE STOCK PURCHASE PLAN Remember...you must re-enroll each quarter to participate in the CRC Employee Stock Purchase Plan. The enrollment period is the first week of the month prior to the beginning of each quarter. Set your calendar reminders for December 5, 2017, March 5, 2018, June 5, 2018, and September 5, 2018 to ensure you meet the enrollment deadline. To enroll, log in to your Fidelity NetBenefits account at 401k.com. Select Enroll now under Stock Plans, or in your ESPP Contribution Balance screen. Enter your election in the field on the row specific to the next quarter s offering period, accept the terms of the Plan and then select Next to submit your enrollment. Things to know... Use your 2017 FSA balances now...to qualify for reimbursement, services must be rendered on or before December 31, 2017, and PayFlex must receive your claims no later than March 31, 2018. If you change medical plan options...changing between Aetna and an HMO will require a new prescription, so make sure you allow enough time to satisfy your new plan s requirements. Summary Annual Reports (SARs)...2016 SARs for individuals covered under the CRC benefits program are enclosed. The government requires plan sponsors to distribute these disclosures to plan participants annually. Page 4
MANAGING HEALTH CARE COSTS Some factors driving medical cost trends are an increase in the utilization of out-of-network hospitals, emergency room services for non-emergency care, and an increase in prescription drug use, specifically high cost specialty pharmaceuticals. You can do your part to help manage health care costs by: Using network providers You and CRC will pay a lower rate when you use a network provider. Before getting care, verify that a provider or hospital is in-network by going to aetna.com or calling Aetna Customer Service at 877-278-0460. Getting preventive care check-ups Regular preventive care can help you stay well and catch problems early. CRC s medical plan options provide for annual exams at no cost when you use a network provider. Saying goodbye to unnecessary ER visits Choosing the right setting for care is an easy way to save money on health care expenses. Before heading to the emergency room with an urgent but non-life-threatening illness or injury, consider other more cost-effective options like urgent care centers or retail walk-in health clinics. Many of these health care options are open 7-days a week including holidays no appointment necessary. To find an Aetna urgent care center or a walk-in clinic, go to aetna.com, click Find Care and select Find Urgent Care. For HMOs, refer to their website for a list of urgent care centers in your area. Trying generics versus brand name drugs While brand name drugs get a lot of press, generic drugs meet the same standards for effectiveness and safety, and usually cost less than their brand name equivalents. Ask your doctor if a generic can work just as well as a brand name drug for your treatment. OPEN ENROLLMENT ACTION IS REQUIRED Open Enrollment is taking place now through November 15, 2017. The 2018 Open Enrollment Guide summarizes your available choices for next year. To review your current coverage and the choices available to you in 2018, log on to MyInfo at myinfo.crc.com and select Employee Self Service > Benefits Enrollment Event. The site and the Open Enrollment booklet will guide you through the enrollment process. New Vision Plan ACTION REQUIRED. To take advantage of the companypaid Vision coverage you must enroll yourself and any eligible dependents. New MetLaw ACTION REQUIRED. You may enroll for the MetLaw group legal services during Open Enrollment. Flexible Spending Account (FSA) ACTION REQUIRED. You must enroll to have a 2018 Health Care or Dependent Care Spending Account. Health Savings Account (HSA) ACTION REQUIRED. If enrolled in the High Deductible Medical Plan, you may enroll for a 2018 HSA. Medical and Dental NO ACTION required to retain your current coverage. The company expects and intends to continue its benefit plans but does not guarantee any specific level of benefits or the continuation of any benefit plan during any periods of active employment, inactive employment, disability or retirement. Benefits are provided solely at the company s discretion and do not create a contract of employment. The company reserves the right to modify, suspend, change or terminate any of its plans at any time. This information is applicable to eligible non-represented employees. Applicability to represented employees is governed by local collective bargaining agreements. Subject to this and future agreements, the company reserves the right to change, amend, or terminate any benefit plan at any time. The information provided in this document is not tax advice. While the information is believed to be accurate as of the print date, it is subject to change. Consult a qualified tax advisor for help in determining eligibility for any tax benefit mentioned herein. Page 5
FEDERAL NOTICES WOMEN S HEALTH AND CANCER RIGHTS ACT CRC s medical plan options provide participants with medical and surgical benefits for mastectomies. If a participant has a mastectomy and, in consultation with the physician, elects to have subsequent breast reconstruction, the plan also covers all stages of reconstruction of the breast on which the mastectomy has been performed; surgery and reconstruction on the other breast to produce a symmetrical appearance; prostheses; and treatment of physical complications for all stages of the mastectomy, including lymphedema. MEDICARE CREDITABLE DRUG COVERAGE The medical plan provides drug coverage that is considered creditable, meaning the plan provides coverage that is expected to be as good as or better than the lowest level of drug coverage authorized under a Medicare Part D plan. If you or one of your dependents becomes eligible for Medicare by virtue of a disability, remember to email to ensure you receive the required Certificate of Creditable Coverage. MATERNITY BENEFITS CRC s medical plan options provide minimum maternity stay benefits for the mother and newborn of 48 hours following a normal delivery and 96 hours following a casarean section. The attending physician, in consultation with the mother, may decide to discharge the mother and newborn earlier. These benefits are subject to the same annual deductibles, coinsurance and/or copayment provisions that apply to any other medical condition. SUMMARIES OF BENEFITS COVERAGE As required under health care reform, a Summary of Benefits and Coverage (SBC) for each medical plan and the standardized Uniform Glossary in the government-prescribed formats are available on the MyInfo website. To obtain printed copies, email. SPECIAL ENROLLMENT RIGHTS If you have health coverage under Medicaid, or your dependent has health coverage under the Child Health Insurance Program (CHIP), and that coverage is terminated because you are, or your dependent is, no longer eligible, you or your dependent may request coverage under CRC s medical plan within 60 days of such termination of coverage, rather than the 31 days normally required upon a loss of health coverage. In addition, under CHIP, financial assistance may be available if you meet that program s eligibility requirements. If you or your dependent becomes eligible for Medicaid or financial assistance under CHIP, you or your dependent may request coverage under CRC s health plan within 60 days, rather than 31 days, after your eligibility determination date. For more information about available programs, refer to the enclosure entitled Important Notice to Health Plan Participants. Contact Us For more information about your CRC Benefits Visit the website at MyInfo.crc.com Send an email to HIPAA PRIVACY NOTICE CRC is required to periodically remind participants in the health plans listed below that the HIPAA Notice of Privacy Practices is available upon r e q u e s t b y c a l l i n g 562-999-8512 or online through MyInfo.crc.com. To access the Notice online, go to MyInfo.crc.com and under Benefit Resources select HIPAA Privacy Notice. If you are unable to print the Notice, email CRC Benefits at for a printed copy. The CRC health plans subject to HIPAA notification are the following: Medical Plan Dental Plan Vision Plan Retiree Medical Plan Retiree Dental Plan Flexible Spending Account Plan Page 6