2015 employee benefits overviewuba-ebc.resources.documents.s3.amazonaws.com/12202... · 2015...

2015 EMPLOYEE BENEFITS OVERVIEWJanuary 1, 2015 – December 31, 2015

The contents of this booklet are intended for summary purposes only. It is not to be relied upon for the determination of any policy benefits, limitations or exclusions. The master insurance policies issued by the respective carriers will be relied upon exclusively to determine all benefits.

Welcome!

We are pleased to provide you with this Employee Benefits Overview for purposes of assisting you in your benefit se-lections during our open enrollment process. This booklet contains highlights for benefit options offered by your Lexington-Fayette Urban County Government beginning January 1, 2015 through December 31, 2015.

LFUCG takes great pride in offering a comprehensive benefits package that can meet the needs of our diverse workforce and their families. NEW THIS YEAR, our medical benefits will be of-fered through Anthem BlueCross BlueShield. We will continue to offer employees the opportunity to choose among four (4) health care plans, two (2) High Deductible Health Plans (HDHP) with Health Savings Accounts (HSA) and two (2) Preferred Provider Organization (PPO) plans. All medical plans will use the same great Anthem network and have access to the same medical services. Also NEW THIS YEAR we are adding a universal life voluntary insurance policy with a long term care rider. The long term care benefit rider is totally new and worth checking out. We are also pleased to offer benefits to Qualified Adults as well as spouses and dependents. Please be sure to check the eligibility section for more details.

As you know, each year health care costs continue to rise. Because LFUCG makes a substantial contribution toward your

benefits, we want to continue to encourage you to be a wise consumer of health care. During the past year, employees have increased their use of the Samuel Brown Center and the City Pharmacy. Not only do both of these facilities offer excellent services, but they are also cost-effective and help to control our overall health care costs. Using these facilities, participating in our LexThrive incentives and making healthy choices, are some of the best ways to help control health care costs. We are also happy to offer again this year the non-tobacco use credit toward health care premiums.

Star Robbins and Company will be assisting employees along with our Human Resources Benefit team and members of Benefit Insurance Marketing (BIM) to assure a smooth and seamless enrollment.

If you need any assistance, please don’t hesitate to contact the Benefits section of the Division of Human Resources.

Best wishes for a safe and healthy 2015! Together, LexThrive toward creating an even healthier workplace.

John MaxwellDirector, Division of Human Resources

Open EnrollmentAs with every year at open enrollment, it is your respon-sibility to make certain you are enrolled in the benefits of your choice and update any information that may have changed throughout the year.

If you wish to continue to waive medical coverage, you will not need to resubmit proof of other coverage to the Division of Human Resources.

Remember, if you are choosing a flexible spending account, you must Enroll every year to continue your participation.

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Eligibility Full time employees are eligible for all benefits outlined in this summary on the first of the month following your date of hire. Eligible employees may elect to cover a Spouse, Dependent or Qualified Adult.

A Qualified Adult is defined as a person of the same or opposite sex who meets the following criteria (See HR for Affidavit and required documentation):

• Age 18 or older. • Not related to the employee.• Must reside with employee for at least 12

months prior to enrollment.• Agree to inform LFUCG within 30 days of

any change in the circumstances attested to in the affidavit.

• Must be unmarried

• Financially interdependent with the covered employee for at least twelve (12) months & will certify, via an affidavit signed by both the Qualified Adult and the employee, that at least two (2) of the following conditions have existed for twelve (12) months. (choose one (1) from the left column & one (1) from the right column). See chart below.

Part-time employees who have been employed a minimum of two consecutive years may choose to purchase health insurance at the full premium cost.

Joint ownership of real estate property or joint tenancy on a residential lease

Will designating the eligible Qualified Adult as primary beneficiary

Joint ownership of an automobile Retirement plan or life insurance policy beneficiary designation form designating the eligible Qualified Adult as primary beneficiary

Joint bank or credit account Durable power of attorney signed to the effect that the employee and eligible Qualified Adult have granted powers to one another

Joint liabilities Adoption papers or legal guardianship identify-ing the employee and Qualified Adult as the joint adopting individuals or joint legal guardians

Joint utility account

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LEXthrive Health & Wellness Rewards ProgramWelcome to LEXthrive! LFUCG is excited to offer you a points-based incentive program designed to reward your healthy behaviors. The more you take part in healthy activities and events, the more points you earn!

Earn points when you: Schedule your annual physical at the Samuel Brown Health Center and complete your Health Risk Assessment, too!

Have a preventive screening at the Samuel Brown Health Center

Fill your prescriptions at the City Employee Pharmacy.

And much more!

This program is available to primary policyholders and spouses active on the LFUCG health plan.

Go to www.lexbenefits.com to view details or call

1-800-539-5722 to activate your account.

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Who staffs the Center?The Center is staffed by a full-time clinical staff of seven, including a physician, two physician assistants, three medical assistants and a receptionist.

Who can use the Center?The Center is open to all LFUCG employees, retirees and family mem-bers age 6 and older who are on the 2015 PPO or HSA health plans.

How do I schedule my appointments?To schedule appointments you can call the Center at 859-425-2555 or schedule your appointment online at www.marathon-health.com/myphr .

Laboratory tests: You may have a patient responsibility or payment for laboratory services. This will depend on your health plan and the terms of coverage that are applied.

Dr. Samuel Brown Health CenterThe Dr. Samuel Brown Health Center is a ZERO-COST alternative to office visit co-pays (certain lab costs will be extra). The Health Center provides a variety of health & wellness services similar to any doctor’s office, but with no co-pays! In addition to primary and acute care, the Center offers Health Coaching for those individuals looking to succeed with long term goals such as weight loss, health improvement or smoking cessation.

Preventive Care Benefits Preventive Care benefits are covered at 100% on both PPO and HSA plans. Preventive Care benefits cover basic annual exams and services medically suggested for age and gender.

View the Preventive Services Guide on your

LexBenefits.com portal for more information.

Rewards for participating in a wellness program are available to all employees. If you think you might be unable to meet a standard for a reward under this wellness program, you might qualify for an opportunity to earn the same reward by different means. Contact Dr. French at the Samuel Brown Health Center and we will work with you (and, if you wish, with your doctor) to find a wellness program with the same reward that is right for you in light of your health status.

LFUCG Health Plan Comparisons January 1 - December 31, 2015Traditional Plans Health Savings Account Eligible

In-Network Plan Design PPO 1 PPO 2 HSA 1 HSA 2

LFUCG Wellness Center $0 Co-Pay $0 Co-Pay $0 Co-Pay $0 Co-Pay

Office Visit Co-Pay Primary Care

Specialist$15 Co-pay* $30 Co-pay*

$30 Co-pay* $60 Co-pay*

Deductible, 100% Deductible; 80/20%

Urgent Treatment Center $60 Co-pay* $100 Co-pay* Deductible, 100% Deductible; 80/20%

Emergency Room Deductible, 80/20% Deductible, 80/20% Deductible, 100% Deductible; 80/20%

Inpatient Deductible, 80/20% Deductible, 80/20% Deductible, 100% Deductible; 80/20%

Outpatient Deductible, 80/20% Deductible, 80/20% Deductible, 100% Deductible; 80/20%

Other Outpatient Services (Clinic, Hospital, physician’s office, etc.)

Deductible, 80/20% Deductible, 80/20% Deductible, 100% Deductible; 80/20%

Deductible (Individual, Family Max.)

$500 Indiv. $1,000 Family

$2,000 Indiv. $4,000 Family



Coinsurance 80%/20% 80%/20% 100% 80%/20%

Medical Max Out-of-Pocket (MOP) (includes deductible)




$5,000 Indiv. $10,000 Family

Pharmacy $10/30/60 Co-pay** $10/30/60 Co-pay** Deductible, 100% Deductible, 80/20%

City Pharmacy $3/15/30 Co-pay** $3/15/30 Co-pay** Deductible, 100%

Deductible, 80/20%

Pharmacy Max Out-of-Pocket $2,000 Indiv. $4,000 Family


Included in Medical maximum out-of-pocket

Included in Medical maximum out-of-pocket

Annual LFUCG HSA Contribution

N/A N/A $500 Indiv.*** $1,000 ES/EC/F

$1,000 Indiv.*** $1,000 ES/EC/F

* Medical co-payments accumulate toward the Medical maximum out-of-pocket. ** Rx co-payments go toward the Pharmacy maximum out-of-pocket which accumulates separately from the Medical maximum out-of-pocket.*** LFUCG contributions will be deposited half in January and half in July.

Medical Benefits LFUCG is pleased to offer four medical plan options. This allows the flexibility for you to choose a plan that meets the unique needs of your family. These plans are administered through Anthem Blue Cross Blue Shield, a provider of exceptional healthcare services. Once enrolled, you may visit Anthem’s website at www.anthem.com to access claims payments, physician directories, ID cards, and inquire about eligibility. You will be receiving new medical cards.

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IMPORTANT! Humana Claims: For all claims prior to 2015, please reach out to Humana Customer Service at 1-800-448-6262. Group #707218

You have access to review your benefits or hear the enrollment presentation online in the convenience of your own home, 24 hours a day, 7 days a week!You’ll find summaries and contact information regarding your:

Medical Benefits

Pharmacy Benefits

Dental Benefits

Vision Benefits

Health Savings Account

Flexible Spending Account

Dr. Samuel Brown Health Center

City Employee Pharmacy

Audio/Visual Open Enrollment Presentations

Log-in information: username = benefits | password = benefits

(both are case sensitive)

Go online today, and visit www.lexbenefits.com

Dental BenefitsOPTION 1Premier

OPTION 2PPO Plus

Annual Deductible $25 Indiv.$75 Family

$25 Indiv.$75 Family

Annual Maximum $1,000 $2,500

Orthodontia (Lifetime Max) N/A $1,000

Services Provided & Percentages Covered

In-Network / Out-of-Network

In-Network / Out-of-Network

Preventive - Diagnostic 100% / 100% 100% / 80%

Basic Restorative / Oral Surgery 100% / 100% 80% / 60%

Endodontics 100% / 100% 50% / 50%

Periodontics 0% 80% / 60%

Major Restorative 100% / 100% 50% / 50%

Prosthodontics/Implants 100% / 100% 50% / 50%

Orthodontics (adults & children) N/A 50% / 50%

Dependent Age To Age 26 To Age 26

Dental Payroll Deductions - 26 Pay Periods

Employee $15.20 $11.53

Employee / Spouse $29.34 $22.50

Employee / Child(ren) $28.12 $28.61

Family $45.43 $43.49

Dental Benefits Staying healthy includes obtaining quality dental care for you and your family. LFUCG’s dental plan is provided through Delta Dental, which includes an extensive network of providers. Once enrolled, you may visit Delta Dental’s website at www.deltadentalky.com or call (800) 955-2030 to locate a provider. See chart below for dental summary.

You can purchase the Dental Plan even if you are not on the health plans.NOTE: Out-of-network providers can balance bill above what Delta Dental pays.

Pharmacy Benefits Pharmacy Benefits are provided for the PPO and HSA Plans through Bluegrass Family Health/Express Scripts. You will receive a separate card for Pharmacy Benefits. Below is the contact information for both the PPO and HSA medical plans:

Pharmacy benefits are provided through Bluegrass Family Health/Express Scripts

Questions for co-pays, coverage and authorization, Phone: 877-205-6308 Web: www.express-scripts.com Express Scripts after hours call center: 877-213-7465 Express Scripts Mail Order: 877-213-7465

Specialty Medications are through CuraScript Phone: 866-848-9870 Fax scripts to: 888-773-7386

Most of your local pharmacies and national chains are in-network providers for Express Scripts but you can verify a network, or a formulary by calling customer service at 877-205-6308.

You will receive a prescription card separately from your medical card.

Walgreen’s is NOT in the BGFH Provider Network.NOTE: If you are prescribed a specialty medication (typically injectables), your doctor can contact the CURASCRIPT dedicated phone number as noted above to make arrangements for your medication delivery.

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City Employee Pharmacy The City Employee Pharmacy is available to all employees and their dependents that are enrolled on the LFUCG PPO or HSA health plans. Medications through the On-Site Pharmacy are offered at wholesale cost.

Located inside the Dr. Samuel Brown Health Center at 100 Trade Street, Suite 145.

The City Employee Pharmacy phone number: Phone: 859-367-4990 Fax: 859-367-4993

Pharmacy Hours: Monday through Thursday – 9:00 a.m. – 6:00 p.m.Friday – 9:00 a.m. – 4:00 p.m.Saturday – 9:00 a.m. – 12:00 p.m. (noon)Closed – 1:30 p.m. – 2:00 p.m. for lunch everyday

Prescribing Physicians do not have to be with the Health Center. The City Employee Pharmacy will fill a prescription from any Healthcare Provider authorized to prescribe in the Commonwealth of Kentucky.

Transferring Prescriptions can be done by calling or faxing your prescription information (found on your prescription label) to the City Employee Pharmacy.

Government Center Delivery Service Now Available.For details, go to www.lexbenefits.com and view City Employee Pharmacy under the LFUCG Health Resources tab. Your City Pharmacy Staff

Vision Benefits LFUCG is pleased to offer a Vision Program through Anthem Vision using the Anthem Blue View Vision network. This vision plan is included with your medical plan. The amount you pay for vision services depends on whether you visit a network or non-network provider. Network providers can be found at www.Anthem.com. See chart below for vision summary.

USE IT OR LOSE IT RULE IRS guidelines stipulate that if you contribute dollars to a Flexible

Spending Accout and do not use all the money you deposit, you will lose any remaining balance in the account at the end of the eligible claims period.

Any remaining balance will not be carried over to the next year. You must submit all 2014 qualifying expenses for reimburse-ment by March 31, 2015. If the expenses are not submitted before March 31, 2015, no reimbursement will be made to you.

Plan election does not roll over. You must sign up each year if interested.

For information on eligible FSA expenses, go to:

www.irs.gov/publications/p969

Flexible Spending Accounts (FSA) LFUCG offers two Flexible Spending Accounts (FSAs) which can save you money! You can elect a medical FSA to complement your PPO medical plan or if you are waiving medical coverage.

A Medical FSA allows you to put aside tax free money to pay for qualified medical, dental and vision expenses not covered by your insurance plans (expenses such as co-pays, or deductibles). You can payroll deduct up to $2,500/each year to be used on expenses incurred during that year. Note, you must use all funds set aside during the plan year or lose the funds per IRS guidelines. Account is funded in its entirety at the beginning of the plan year.

Dependent Care FSA allows you to set aside pre-tax payroll deductions to reimburse the expenses associated with daycare for your qualified dependents. Eligible expenses must be for the care of dependents under the age of 13 or for a qualified adult dependent (subject to IRS regulations).

Maximum annual limit is $5,000 (or $2,500 if married, filing separately). Money can only be used as it accumulates.

In-Network Out-of-Network

Eye Exam (every 12 months)

$10 co-pay $42 Allowance

Prescription Lenses (every 12 months)

$10 co-pay Varies

Contact Lenses No co-pay / $110 allowance $105 allowance

Frames (every 12 months)

$100 allowance Up to $45

Anthem Vision is included with medical coverage.

(Stand alone plan) In-Network Out-of-NetworkEye Exam (every 12 months)

$5 co-pay Up to $25

Prescription Lenses (every 12 months)

$5 co-pay Varies

Contact Lenses (materials only)

$5 co-pay / $105 allowance Up to $85

Frames (every 12 months)

$5 co-pay / $90 retail allowance

Up to $30

Stand Alone Vision Program Payroll Deductions - 26 Pay PeriodsEmployee $2.77

Employee / Spouse $5.22

Employee / Child(ren) $5.49

Family $8.03

EyeMed Vision is available to you even if you are not on the health plans. Additional costs may apply for lens upgrades and contact fittings. See full benefit summary for details.

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STAND ALONE VISION PROGRAMLFUCG also offers a stand alone Vision Program through EyeMed Vision Care. The amount you pay for vision services depends on whether you visit a network or non-network provider. Network providers can be found at www.eyemedvisioncare.com. See chart below for vision summary.

See benefit summaries for medical, dental and vision on-line at

www.LexBenefits.com for more detailed plan information.

Health Savings Account Plan (HSA) HSA 1 or HSA 2 medical plan options may make you eligible for a Health Savings Account (HSA). This is a savings account that can be funded with pre-tax dollars to be used for qualified medical, dental and vision expenses. It is similar to the flexible spending account with the exception that the money is rolled over year to year and cannot be lost. You can use the funds in your HSA Account for qualifying medical expenses in future years. This Account goes with you even if you leave employment with LFUCG.

Eligibility requirements for the Health Savings Account: You must be covered by a High Deductible Health Plan (HSA 1 or HSA 2).

You cannot be covered under another medical plan that is not an HDHP.

You are not eligible for an HSA Account if either you or your spouse contributes to a general purpose Medical Flexible Spending Account.

You are not eligible for an HSA Account if you are entitled to a government sponsored medical plan (i.e. Medicare, Medicaid).

LFUCG contributes a sum of money to to your HSA Account as indicated below. Half is deposited in January and half in July.

New for 2015! Health Equity will manage all of the 2015 contributions into the Health Savings Accounts. Any contri-bution you make can be payroll deducted and deposited by LFUCG. For more information on Health Savings Accounts, call 866-346-5800, or visit www.myhealthequity.com.

Contribution limitations apply since this is an IRS regulated account. The 2015 limits include both Employer & Employee contributions (see chart at below):

Anyone between the ages of 55-65 may elect to contribute an ad-ditional $1,000 to the account each year. There is no limit on how much money can accumulate year after year. The above limits apply to annual contributions from both you and your employer.

You will receive a new card if you sign up for an HSA with Health Equity.

For information on eligible HSA expenses, go to:

www.irs.gov/publications/p969

IN THE EVENT OF AN IRS AUDIT you will need to provide all receipts for withdrawals made from the HSA Account to verify that they were Qualified Medical Expenses.

Be aware that it is ultimately your responsibility to provide the IRS with evidence of the expense when audited. The item(s) you purchase with the debit card may process to pay at the point of purchase, but the item(s) may not be an IRS qualifying expenditure.

IRS has increased the HSA contribution limits for 2015:

NEW for 2015Single: $3,350

Employee/Spouse: $6,650

Employee/Children: $6,650Family: $6,650

Qualifying Events IRS Guidelines are adhered to for the medical, dental and vision plans at LFUCG which are administered in accordance with the IRS Section 125 Tax Code. This allows premiums for benefits to be deducted on a pre-tax basis from your paycheck.

Plan changes cannot be made after open enrollment without a Change in Family Status or Qualifying Event that is con-sistent with the IRS guidelines. A change in Family Status allows you to add or remove dependents from your plan but does not allow you to change from one plan to another. Some examples of Qualifying Events are:

• Legal Marital Status Changes: Marriage, divorce, death of a spouse (copy of marriage certificate, copy of final court divorce decree or death certificate required).

• Cancellation of dependent coverage due to dependent ineligibil-ity: Dependent gains or loses coverage under another plan.

• Birth or adoption of a child (copy of birth certificate or adoption papers required).

• Change in employment status from part-time or temporary to full-time.

• Change in employment status (full-time to part-time or temporary) or termination of employment.

• Loss of coverage under spouse’s employer plan due to a spouse’s death, termination of employment, divorce or loss of eligibility for other coverage

• Qualified medical child support court order (documents required).

CHANGES IN FAMILY STATUS MUST BE REPORTED TO HR WITHIN 30 DAYS OF THE EVENT IN ORDER TO MAKE A PLAN CHANGE.

HEALTH EQUITY / HSA Help Center If you need help with your claims status, card swipes, account balance, or eligible expenses contact the Health Equity Help Center. They are available every hour of every day at the phone number listed on your card or: 866-346-5800.

You can also view your personal Health Savings Account Information on line at www.myHealthEquity.com... click ‘begin now’. The site will walk you through the initial set up of your account.

After your first site visit, you can log in to www.myHealthEquity.com with the User Name and Password that you set up previously.

•If you will be transferring money from your current HSA plan through UMB Bank, LFUCG will add an additional $15 to your January contribution to cover the rollover fee. You must turn in a transfer form to a Star Robbins enroller, or the Division of Human Resources, if transferring money from a UMB account.

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HSA Plan Single with DependentsHSA 1 $500 $1,000HSA 2 $1,000 $1,000These are in addition to your Health Savings Account contributions.

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Care Anywhere/AnytimeAnthem provides a variety of care that is available to you 24/7 and can be an alternative to an Emergency Room for minor illnesses and injuries:

24/7 Nurseline®

Let a nurse help you decide what a true emergency is. The number is on the back of your member ID card. In the time it takes to make a quick call, the nurse can help you decide what kind of care makes the most sense and can find a provider near you.

LiveHealth OnlineSM

LiveHealth Online is a convenient way for employees to interact with a doctor via live, two-way video on their computer or mobile device. LiveHealth Online provides access to U.S. board-certified doctors at the same price as a regular doctor visit co-pay ($49 charge for HSA medical plan) and Doctors can ePrescribe to local pharmacies. The LiveHealth Online service is available anywhere you have an internet connection (at home, in the office or on the go) 24 hours a day 7 days a week / 365 days / year.

For more information, or to sign up for a visit, go to www.livehealthonline.com

Little Clinics & Urgent Care CentersLittle Clinics and Urgent Care Centers are now available to the LFUCG employees through Anthem for walk in appoint-ments to treat symptoms that should be looked at right away but that don’t require an emergency room visit. All facili-ties below offer extended hours and/or weekend hours.

Your primary care doctor or the Samuel Brown Clinic may be your first choice when you need care, but now you have other options for after hour care.

Additional Anthem Resources• Care Comparison: Pricing comparison for 130+ procedures, at a variety of facilities in your

geographical area. This service allows Anthem members to be wise healthcare consumers.

• Condition Care: Assistance in managing conditions such as asthma, diabetes, chronic obstructive pulmonary disease or cornonary artery disease.

• Complex Care: Anthem will identify and assist members in managing complex and/or multiple disease states.

• Future Moms Maternity Program: Access to an OB nurse who can advise/answer pregnancy related questions as needed. Access to maternity web site with educational resources.

More information on Anthem Resources can be found on-line at www.anthem.com or by calling the Customer Service Number at: 1-844-812-9209.

• Little Clinics (located in select Kroger stores) • MinuteClinic (located at select CVS Pharmacies) • Urgent Care Center

• Baptist Urgent Care• Clark Immediate Care Center

Group Life & AD&D Benefits

Short Term Disability through Short Term Disability protects your paycheck if you cannot work due to off the job illness or injury. You will have the ability to select the amount of Short Term Disability that coordinates best with your current sick pay. For enrollment or claims support, contact: Star Robbins & Company - (800) 486-7721.

Long Term Disability through Long Term Disability protects your income when short term cover-age ends and covers you to Social Security Normal Retirement Age, should you remain disabled. For enrollment or claims sup-port, contact: Star Robbins & Company - (800) 486-7721.

Cancer Coverage through Cancer and specified disease benefits can help cover the costs of specific treatments and expenses as they happen. Terms and con-ditions for each benefit will vary. For enrollment or claims support, contact: Star Robbins & Company - (800) 486-7721.

Critical Illness through Critical illness will pay a lump sum at diagnosis of certain serious illnesses such as heart attack, stroke, Alzheimer’s and many oth-ers. For enrollment or claims support, contact: Star Robbins & Company - (800) 486-7721.

Voluntary Benefit Offerings for 2015Voluntary benefits are designed to provide additional protection for you and your family. These benefits work in concert with your core benefits (Medical, Dental and Vision). All voluntary products listed below can be payroll deducted. Guarantee issue will be offered on the Allstate products and Trustmark Universal Life for open enrollment 2015. Guarantee issue is always available for new hires. For some products, there may be a specified amount of time during the policy where a pre-existing illness may not be covered. Please see brochures for detailed information at www.lexbenefits.com.

Accident Assistance through Accident Assistance through Allstate Accident coverage offers peace of mind when an accident or injury occurs. The coverage can provide cash to cover unexpected expenses. You can choose plans that pay actual charges up to $500 or $750 per incident plus additional specific injury benefits. For enrollment or claims sup-port, contact: Star Robbins & Company - (800) 486-7721.

Individual Term Life through Term life insurance is designed to provide affordable life coverage during a specific ‘term’ of your life, typically, your younger years when your expenses are the highest. This offer is a Level 20-year term policy. For enrollment or claims support, contact: Star Robbins & Company - (800) 486-7721.

Whole Life Insurance through Whole Life insurance is permanent coverage and does not go away like ‘term’ life does. Benefit is also available for spouses, children and grandchildren. At age 65, policy owners will have the option of taking a cash payout or having the life benefit paid up with no additional premiums due. If you are over age 55, this plan is still available but will have a later paid up option. For enrollment or claims support, contact: Star Robbins & Company - (800) 486-7721.

Dependent coverage is available. If you elect life insurance for dependents, you must elect optional life insurance for yourself. Life insur-ance for dependents may not exceed 50% of the employee benefit.

BASIC TERM LIFE INSURANCE and ACCIDENTAL DEATH & DISMEMBERMENT

$25,000 – Bargaining Police, Fire and Corrections Employees

$10,000 – Non-bargaining Employees hired Prior to July 1, 1997

$7,500 – Non-bargaining Employees hired on or after July 1, 1997

Coverage reduces by 50% @ age 70

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Universal Life through NEW THIS YEAR! Universal Life Insurance, offered through Trustmark, will be available this year to all eligible LFUCG employees. Universal Life is ‘permanent’ life insurance, protecting you for a lifetime. Employees and their spouses can choose coverage in amounts from $5,000 to $300,000. Coverage is fully portable and the Universal Life product also offers a built in Long Term Care benefit. Guarantee Issue is available during open enrollment, 2014 and to new hires throughout the year. For enrollment or claims support, contact: Star Robbins & Company - (800) 486-7721.

Voluntary Auto & Homeowners The Lexington-Fayette Urban County Government employees qualify for auto and home discounts through Liberty Mutual’s Group Savings Plus® program. What does this mean for you? It means a group discount of up to 10% off Liberty Mutual’s already competitive auto and home insurance rates.

Convenient payment plans, including payroll deduction, automatic checking account deduction or direct billing at home. Additional savings based on your age, college education, driving experience and auto equipment.

Contact: Joey Doom at 1-800-852-4419 or visit Liberty Mutual’s website at www.libertymutual.com/gsplfucg for contact information.

Metro Employees Credit Union Membership is available to employees of the Lexington-Fayette Urban County Government. To become a member of MECU simply stop by one of their offices, give them a call at 258-3990 or visit online at www.metroemployeescu.org.

Metro Employees Credit Union is proud to offer its’ members a variety of savings and loan products including the following:

• Share Draft Checking

•Borrowing Opportunities

• Savings and Investment Opportunities

• Payroll Deduction is available

YMCA The YMCA has waived the joining fee and discounted the membership rates for LFUCG employees. LFUCG supplements a portion of the member-ship rate so this gives you a great value. Employee rates may vary by location and contract year. Check the Intranet or call your local YMCA for current rates that apply.

Contact the YMCA directly to set up your membership. How do you join? Stop by one of the YMCA locations and tour the YMCA facility. YOU WILL NEED TO BRING YOUR LFUCG ID OR A PAYCHECK STUB FOR EMPLOYMENT VERIFICATION.

Beaumont Centre Family YMCA3250 Beaumont Centre Circle

Lexington, KY 40513859-219-YMCA (9622)

North Lexington YMCA381 West Loudon Avenue

Lexington, KY 40508859-258-YMCA (9622)

High Street YMCA239 East High StreetLexington, KY 40507

859-254-YMCA (9622)

LFUCG employees and part-time employees who are eligible to receive benefits may participate.

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ICMA DEFERRED COMPENSATION: 26 pay period calculation

Contact: Call Customer Service at 1-800-669-7400; or call Yvonne Bailey at 1-800-339-8796; or via email at [email protected]; fax 202-682-6439.

Forms are also available on-line at http://intranet.lexingtonky.gov

• 457 deferred compensation plan Enrollment form required only if you are opening a NEW ACCOUNT

• Traditional / IRA Roth option available but must meet criteria for opening the account (after-tax deduction)

•Minimum contribution of $15.00 per paycheck

Plan Features:1. Loans and hardship withdrawals are available

2. Offers advice services to help manage your deferred compensation account

3. One on One Appointments are available

KY DEFERRED COMP: 26 pay period calculation

Contact: Call Customer Service at 1-800-542-2667; fax 502-573-4494; or visit Kentucky Deferred Comp’s website at www.kentuckydcp.com for contact information.

Forms are also available on-line at http://intranet.lexingtonky.gov

• A form is REQUIRED for all changes to your account as well as opening a NEW ACCOUNT - they request that you mail it to them at the address on the form, or fax it to them at the number above.

• A 401(k) Plan and 457(b) accounts - Minimum contribution of $14 per paycheck.

• Traditional / Roth IRA available if in 401 or 457 through LFUCG (after-tax deduction).

Retirement Planning

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CONTACTS AT-A-GLANCEQUESTIONS COMPANY WHO ARE THEY? TELEPHONE WEB ADDRESSMedical Benefits

InformationInsurance Company 1-844-812-9209 www.anthem.com

Pharmacy Benefits Information

BGFH/ESI Customer Service

1-877-205-6308ESI after hours & Mail Order:

1-877-213-7465

www.bgfh.com/ www.express-scripts.com

Pharmacy Benefits Specialty Medications

Customer ServicePh: 866-848-9870Fax: 888-773-7386

www.curascript.com

Dental Benefits Information

Customer Service 1-800-955-2030Group # M00034 www.deltadentalky.com

Vision Benefits (with Medical plan)

Customer Service 1-866-723-0515 www.anthem.com(Blue View Vision Network)

Vision Benefits (Stand alone)

Customer Service 1-866-299-1358www.eyemedvisioncare.

com

FSA InformationFlex Spending

Customer Service1-888-868-3539

“Option 0”

Self-service website: www.flex125.com

Claims website:[email protected]

HSA Help Center HSA Help Center 1-866-346-5800 www.myhealthequity.com

Group Life/AD&D Information

Deron Smith 859-543-1716 [email protected]

Voluntary Short Term Disability Information

Star Robbins & Co.Claims Support

1-800-486-7721 www.starrobbins.com

Voluntary Long Term Disability Information



Voluntary Cancer Coverage Information



Voluntary Critical Illness Information



Voluntary Accident Assistance Information



Voluntary Individual Term Life Information



Voluntary Whole Life Information



Voluntary Universal Life Information



ICMA Deferred Compensation Info.

Customer Service

1-800-669-7400Yvonne Bailey:

Ph: 1-866-339-8796Fax: 202-682-6439

www.icmarc.orgemail:

[email protected]

KY Deferred Comp - 457/401(k) Information

Customer Support1-800-542-2667

Fax: 502-573-4494www.kentuckydcp.com

Voluntary Auto & Homeowners Information

Joey Doom 1-800-852-4419www.libertymutual.

com/gsplfucg

Metro Employees Credit Union Information

Customer Service 859-258-3990www.metroemployeescu.

org

YMCA - Beaumont Centre Information

Customer Service 859-219-YMCA (9622) www.ymcacky.org

YMCA - North Lexington Information


YMCA - High Street Information


LFUCG - 2015 EBO - rev-9-24-14 - FNL

2015 employee benefits overviewuba-ebc.resources.documents.s3.amazonaws.com/12202... · 2015...

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