2022 benefit guide
TRANSCRIPT
Grand Traverse County2022 Benefit Guide
2022 Employee Benefit GuideAt Grand Traverse County we take pride in providing a robust compensation package thatincludes a comprehensive benefit plan to protect you and your family. This booklet willprovide a detailed look at the plans available to you. This guide is meant to be a summaryof benefits offered and does not include complete coverage details. For more informationon what each plan covers, see the individual plan summaries and contracts in EmployeeNavigator.
Eligibility
Coverage is available to employees effective the first of the month following 30 days ofactive employment who work a specified number of hours per week for medical, dental,vision, accident and critical illness coverage. Life and disability coverage will becomeactive following 6 months of active employment. Employees should consult with HumanResources to determine eligibility. If you wish, your dependents may also be covered underthe medical, dental and vision plans. Eligible dependents include:
Legal Spouse, as defined by federal law
MEDICAL: your children up to the end of the month they turn 26 regardless of maritalstatus, financial dependency, residency with the eligible employee, student status,employment status or eligibility for other coverage.
DENTAL: your children up to the end of the calendar year in which they turn 19, oryour unmarried children who are eligible to be claimed as a dependent under the USInternal Revenue code during the current calendar year, until the end of the year inwhich they turn 25.
VISION: your children until they reach age 19 or 26 depending on the plan.
It is your responsibility to provide Human Resources with proof of your dependents’ eligibilityif required, in the form of: (a) your most recent Federal Income Tax Return, (b) Court Orderspecifying your responsibility to provide “group health coverage” to your dependent, or (c)a copy of the birth or marriage certificate.
Important Note Regarding Enrollment
You may only make a change to your benefit elections during theannual open enrollment period unless you experience a “qualifying lifeevent”. This includes, but is not limited to, a change in marital status,the birth of a child, or a change in your eligibility status. If you doexperience a change, it is important to notify HR immediately.
Important Notice:Mid-Year Enrollment Changes
Due to IRS rules, you may only make changes to your benefit elections during open enrollment unless you experience a qualifying event. Promptly report the following changes to HR to ensure your coverage is updated accordingly.
• Weddings – Within 30 days of marriage
• New babies – Within 30 days of birth
• Adoptions – Within 30 days of the date of petition or the date of adoption
• Change of name or address – Immediately
• Death or Divorce – Within 30 days
• Military Service – Within 30 days of induction or discharge
• 65th birthday – When you or your dependent(s) become eligible for Medicare
Medical Insurance & Carrier Resources ………………………………..... 04
Health Savings Account (HSA) ………………………………................... 10
Dental Insurance ……………………………………………………………... 11
Vision Insurance ....…………………………………………………………… 12
Employer Paid Short Term Disability ……………............………………… 13
Employer Paid Long Term Disability ………………………………………. 13
Employer Paid Life and AD&D Insurance ……………………………….. 14
Employee Paid Life and AD&D Insurance ………………………………. 14
Accident Coverage …………………………………………………………. 15
Critical Illness ………………………………………………………………….. 15
Employee Assistance Program ……………………………………………. 16
Dependent Care Flexible Spending Account (FSA) ………………...... 17
GTC Wellness Program ……………………………………………………… 18
Payroll & County Holiday Calendars …………………………………….. 19
Online Enrollment Instructions ……………………………………………… 20
Table of Contents
Medical and Pharmacy Coverage with Priority HealthThe medical plan available to you is a Health Maintenance Organization (HMO HighDeductible Health Plan) plan with a Health Savings Account (HSA), administered by PriorityHealth. With an HMO plan, you are required to elect a Primary Care Physician (PCP) for eachmember of your family. The HMO plan allows you to seek services from any provider within thePriority Health network, however some services could require a referral or prior authorization.Out of network services are not covered. Emergency Services are available worldwide at thein-network benefit, so you do not need to be concerned if you experience an emergencywhile traveling. Because Priority Health is a Michigan-based insurance company, you mustnotify customer service if you have a dependent residing outside of the service area. Yourdependent(s) residing outside of the service area will utilize the Cigna network.
The Health Savings Account (HSA) component to your plan allows you to contribute pre-taxfunds in a savings account for use on qualified out of pocket expenses, such as yourdeductible, copays, prescriptions, dental services and vision services and materials. There arecertain eligibility restrictions set by the Internal Revenue Service (IRS) that may not allow you tocontribute to an HSA, including if you are enrolled in Medicare or Medicaid. If you are unsureof your eligibility to contribute, please reach out to HR.
Service Category Benefit
Deductiblenon-embedded
$1,400 for Single Coverage$2,800 for Family Coverage
Out of Pocket Maximumnon-embedded
$2,000 for Single Coverage$4,000 for Family Coverage
Preventive Care 100%, Deductible Waived
SpectrumNow Visit $45 before Deductible, then 100%
Office Visit Copay Covered 80% after Deductible
Specialist Copay Covered 80% after Deductible
Urgent Care Covered 80% after Deductible
Emergency Room Covered 80% after Deductible
Emergency Transportation Covered 80% after Deductible
Hospital Services Covered 80% after Deductible
High Tech Imagine Covered 80% after Deductible
PrescriptionsTier 1
Tier 2 & 4Tier 3 & 5
Mail Order (90 days)
Copay Applies after Deductible$10 Copay$40 Copay$80 Copay
2x the 30-day Retail Copay
Employee Cost per PayFull Time Single
Full Time DoubleFull Time Family
Medical (20%)$42.56$102.16$127.70
HSA (20%)$8.33
$16.66$16.66
Total (20%)$50.89
$118.82$144.36
Part Time Employee per Pay Cost: See 2022 Contribution Rate Sheet4
Medical and Pharmacy Coverage with Priority HealthPharmacy before deductible on HSA plansWhen you have an HSA, you must meet your deductible before Priority Health starts to share the cost of most prescriptions. Because the plans available to you include enhanced prescription coverage, you’re able to access over 700 drugs for the cost of a copayment before you meet your deductible. Below are common generic and brand name medications covered under this plan. For a full list of medications covered, go to priorityhealth.com/formulary/employer, then select your formulary as listed on your member ID card. Then, download the drug list for IRS-allowed Chronic Condition Enhanced Prescription Drug rider.
Condition Sample List of Drugs
Asthma DULERAFLOVENT
montelukastQVAR
SYMBICORTzafirlukast
Cholesterol atorvastatincholestyramineezetimibe
rosuvastatinfluvastatinlovastatin
pravastatinsimvastatin
Depression fluoxetinecitalopram
sertraline parozetine
Diabetes FARXIGAglimepirideglipizide
glyburideJANUVIAmetformin
STEGLATROTRULICITYLANTUS
Diuretics amiloridebumetanidechlorthalidone
furosemidehydrochlorothiazideindapamide
metolazonetriamterene/hydrochlorothiazide
Heart Conditions amlodipineatenololbenazeprilcandesartan
digoxin digoxinlisinopril
ramiprilvalsartanverapamil
Heart Rhythms amiodaroneflecainidemexiletine
MULTAQpaceroneprocainamide
propafenoneTIKOSYN
Immune System azathioprinecyclosporinegengraf
mycophenolate mofetilSANDIMMUNE
sirolimustacrolimus
Osteoporosis alendronateFOSAMAX D
ibandronate risedronate
Prenatal Vitamins All prenatal vitamins
Seizure Disorders carbamazepinedivalproex sodiumethosuximide
FYCOMPAclobazamlamotrigine
levetiracetamtopiramatezonisamide
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Accessing Care with Priority HealthThere are additional resources available to lower costs even more. Priority Health takesproactive steps and provides multiple access points to ensure you are getting the care youneed for the lowest cost possible. If you need to see a provider, consider your options andyou may be able to save a few dollars.
24/7 Online Visits by Spectrum Health (Deductible + Coinsurance)Spectrum Health App l www.spectrumhealth.org l (877) 362.8362
Online visits are available 24 hours a day, 7 days a week, 365 days a year.Online visits make small visits to the doctor’s office a breeze and incrediblyconvenient. You can speak with a local physician on the phone or videomessage without leaving home or work or sitting in the waiting room at thephysician’s office. The provider you speak with can prescribe medication ifneeded and will call it in directly to your pharmacy. Not only is it easy andconvenient, if they can’t treat you and need to direct you to care elsewhere,they do not charge you!
Primary Care Visits (Deductible + Coinsurance)
If you prefer speaking with someone in person, always check with your PrimaryCare Physician first. Like the 24/7 Online Visits by Spectrum Health, your PCP willknow if they can help you or if you should seek care from Urgent Care or anEmergency Room. You will need to follow up with your PCP following a visit tothe ER or Urgent Care, anyway, so why not start there!
Urgent Care (Deductible + Coinsurance)
Sometimes you need immediate care that needs urgent attention but isn’tquite worthy of a trip to the ER. This could be a cut that needs stitches or staples,significant pain or a sprain. Urgent Care is a great blend of primary care andemergency care for a much lower cost than the emergency room.
Emergency Room (Deductible + Coinsurance)
When considering going to the Emergency Room make sure it truly is anemergency and not something that could be handled through Urgent Care.Emergency Rooms are very expensive and wait times are significant if you arenot experiencing a life-or-death situation. For emergency care think of the three“B’s” : Bleeding, Broken, Breathing.
Priority Rewards (Priority Health Pays You)
Did you know Priority Health will PAY YOU to shop for your care? They will send aVisa gift card if you shop and receive select services from a “green” trophyprovider as a reward for taking control of your care. Considering the differencein cost between a hospital and outpatient facility could be thousands of dollars,it’s worth taking the time to go online or call customer service. Not only do youget a Visa gift card, but you also pay less out of pocket for deductible andcoinsurance expenses!
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Priority Health Member ToolsAs a Priority Health member, you have access to several comprehensive tools to assist ingetting the most value from your health plan. Not only are the tools convenient and easy touse, they provide cost savings opportunities! Here are a few examples of the tools availableto you. If you have questions about these or other tools available to you, don’t hesitate toreach out to customer service.
Cost Estimator and Rewards
The Priority Health Cost Estimator tool shows estimated out of pocket costs for hundreds of procedures and services based on your health plan and deductible. It also shows you how the price varies by location. Plus, with PriorityRewards, when you choose a lower-cost, high-quality facility, Priority Health will send you a Visa reward card. Rewards range from $50 to $200. It is important to know you cannot get a reward by accident.
Medication Therapy Management
If you take several medications for multiple chronic conditions, get the help you need to understand your drugs and maximize your results while controlling your out-of-pocket costs. Priority Health provides a 30-minute face to face visit with a pharmacist to help you understand your medications and suggest ways you can simplify your regimen, maximize your results and potentially save money. Call customer service at the phone number located on the back of your ID card to learn more!
Omada Pre-diabetes Care
One in three adults have pre-diabetes or at risk of developing Type 2 Diabetes, yet only 10% are aware of their risks. You can improve your health and your life with Omada’s FREE diabetes prevention program. It’s sponsored by Priority Health and totally free to you and any other adults enrolled in your plan. It’s a proven way to reduce your risk of developing Type 2 Diabetes by up to 71%!!You are eligible to participate if you have a BMI over 25 and have been diagnosed with pre-diabetes or at-risk for developing diabetes. To join, go to omadahealth.com/priorityhealth.
SpectrumNow 24/7 Virtual Care
As a Priority Health member, you can get care from the comfort of your cabana, cubicle, college or couch. SpectrumNow 24/7 Virtual Care is delivered by providers from one of the top 15 health systems in the country. You can access SpectrunNow by downloading the Spectrum Health app. You will have the option of scheduling an appointment, or holding for the next available provider. For quicker access to care, set up your SpectrunNow profile with your medical history before you need it!
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Start by logging into the Priority Health app.
Once you are in the app, select the “My Health Care” option.
Then, select the “Cost Estimator” option.
1 2
If you are shopping for a procedure, select “A Procedure”.
If shopping for a medication, select “A Medication”. As you can see, only select procedures are rewardable.
3 4 You can then enter the procedure or service you are shopping for. Then click the magnified glass icon.
Next, choose the option that best describes the service or procedure you are shopping for.
5 This screen will confirm your service or procedure. It will also note if the procedure requires prior approval from Priority Health.
Select “Select a Location” to proceed.
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Look for locations that have a trophy icon. This will tell you if the location is a low cost, rewardable provider. Click on the underlined location for more details, or select the tile to proceed.
It is very important to keep going to the next screen!!
7 The final screen will provide an estimated cost after your benefits have been applied and will remind you that the service is rewardable by showing the green trophy and noting the reward at the bottom in the black banner.
Again, it is very important that you continue to this screen.
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Follow these step-by-step instructions to shop for care. Make sure you follow the steps all the way to the end.
Priority Health Member Tools
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Shopping for Care with Priority Health
Procedure Type Procedure Reward
Bone and Joint
Carpal Tunnel Surgery $100
Anterior cruciate ligament knee surgery (ACL) $200
Arthroscopic rotator cuff repair $200
Knee arthroscopy $200
Shoulder arthroscopy $200
Total hip replacement $500
Total knee replacement $500
Cardiac
Doppler exam of the heart $100
Heart echo imaging $100
Heart perfusion imaging $100
Diagnostic
Colonoscopy (with and without biopsy) $100
Upper GI endoscopy (with and without biopsy) $100
Sleep study $100
Cystoscopy $200
Imaging Most CTs $50
Most MRIs $100
Outpatient
Nose plastic surgery (Rhinoplasty) $100
Lap band surgery $200
Nasal septum repair $200
Remove tonsils and adenoids $200
Ear tubes $200
Cataract surgery $200
Laparoscopic cholecystectomy $200
Lithotripsy $200
Women’s Health
Bone density scan $50
Cesarean section delivery $200
Vaginal delivery $200
Hysteroscopy $200
Breast biopsy $200
Laparoscopy, excise lesions $200
Total hysterectomy $200
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Health Savings AccountA Health Savings Account (HSA) combines high deductible insurance with a tax-favoredaccount. Money in the savings account can help pay the deductible, coinsurance andcopays for qualified expenses, including but not limited to, orthodontia, prescription drugs,vision and dental services, and office visits. An HSA is considered a “first dollar” plan. Thismeans all services and prescriptions, aside from preventive services as defined by the ACA,are subject to the deductible. Once the deductible is met, the insurance will pay. You canpayroll deduct pre-tax dollars into your Health Savings Account to help pay for theseservices.
HSA Advantages Triple Tax Advantage: Contributions are tax deductible (up to the IRS limit),
withdrawals to pay for qualified expenses are never taxed, and interest earningsaccumulate tax-free.
You own the account and control how the HSA funds are spent. Upon normalretirement age, you can use the funds for Medicare Part B, C and D premiums as wellas non-medical expenses without penalty (subject to income tax).
Financial Institution Health Equity will be administering the account and a debit card will be provided, as
well as online account management at www.healthequity.com, including the optionto set up automatic payments.
Priority Health sends your claim and out of pocket information to Health Equity,allowing you to easily send payment to providers using their online member portal.
In 2022, you can elect up to $3,650 for single coverage, or $7,300 for family coverage.There is an additional $1,000 catch up contribution for individuals aged 55 or older.
Using your HSA at the Physician’s Office Provide the physician’s office your Priority Health ID card. Do not pay anything at the
time of service! The physician’s office will submit a claim to Priority Health for payment.If the service is billed as preventive, it will be covered at 100% with no cost to you. Ifthe service is not billed as preventive, Priority Health will apply network discounts andpay according to the benefits outlined in your plan.
You will receive an Explanation of Benefits (EOB) outlining how the claim wasprocessed by Priority Health. The EOB will show how much was paid and what yourout-of-pocket cost will be. The provider will then send you an invoice. Make sure theyare invoicing what is noted on the EOB.
Use your HSA to pay the physician. Make sure to save your receipt for tax purposes.
At the Pharmacy Obtain a prescription from your doctor. At the pharmacy, present your Priority Health
ID card. The pharmacy will submit your claim to Priority Health. Priority Health will applythe network discount and apply the charge to your benefits. The pharmacy will thenapply your out-of-pocket costs.
Use your HSA to pay for prescriptions at the point of sale. Again, make sure you keepyour receipt!
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Dental with Delta DentalDental coverage is provided for you and your family, administered by Delta Dental. DeltaDental has one of the largest provider networks in Michigan so locating a participating dentistshould be a breeze. Because their network is so large, Delta Dental is able to negotiate lowercosts for dental services, making your annual maximum spread further.
Claim Example: CrownBenefitDeductible None
Annual Maximum $1,000
Lifetime Ortho Max $1,000
Preventive
100%exams, cleanings, fluoride,
space maintainers, brush biopsy, emergency palliative treatment
and x-rays
Basic
75%fillings, crown repair, oral surgery, endodontics, periodontics, and
relines and repairs to bridges, implants, & dentures
Major75%
crowns, bridges, implants, and dentures
Orthodontia 50%Up to age 19
Network PPO PremierOut of
Network
Submitted Charge
$950 $950 $950
Approved $675 $898 $744
Coverage 75% 75% 75%
Plan Pays $506.25 $673.50 $580.50
You Pay $168.75 $224.50 $369.50
Your plan utilizes the PPO and Premier Networks. The PPO network provides the lowestout of pocket cost. Seeking services from a PPO participating provider will lower yourout-of-pocket costs tremendously. Participating providers are required to accept thecontracted payment and are not allowed to balance bill you. They also accept a lowerreimbursement, meaning your annual maximum will last longer.
If you or your dependent(s) have been diagnosed with a special health need pleasereach out to HR. You may be eligible for additional preventive services.
Employee Contributions Payroll Deduction (24 Pays)Full Time Single Coverage No Charge to Full Time Employees
You are required to enroll in coverage per the Delta Dental contract.
Full Time Double Coverage
Full Time Family Coverage
Part Time Employees See 2022 Contribution Rate Sheet
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Vision with EyeMedVision coverage is available through EyeMed. EyeMed is a well recognized vision carrier with astrong network of providers in Northern Michigan ready to serve you.
Key Things to Know Your plan utilizes the EyeMed Insight Network. While your plan covers standard services, EyeMed offers incredible discounts on lens
options, additional pairs of glasses (including prescription sunglasses) and lasercorrection surgery.
Progressive lenses, anti-reflective coating and scratch resistant coating are available toyou at with an additional cost.
20% off Non-prescription sunglasses Average 15% off regular price laser correction surgery, or 5% off promotional price at
contracted facilities. 20% off remaining balance beyond plan coverage (in-network providers only)
Grand Traverse County self-administers a vision reimbursement through the payroll process.This plan is available to full time employees at no additional cost. Regular part timeemployees are also eligible; however, you are responsible for a portion of the premium. Pleaserefer to the 2022 Contribution Rate Sheet.
EyeMed BenefitWell Vision Exam
$10 CopayOnce Every 12 Months
Materials $25 Copay (applies to lenses only)
40% off an additional pair of glasses
Lenses Single Vision, Lined Bifocal and Trifocal & LenticularStandard Polycarbonate for Children
Once Every 12 Months
Frames $130 Allowance
(+ 20% off remaining balance)Once Every 12 Months
Contacts $0 Copay$130 Allowance
(+ 15% off conventional contact lenses)Once Every 12 Months
Service Grand Traverse County Benefit
Glasses Copay $7.50
Frames Reimbursed to a maximum $35.00
Lenses Reimbursed to a maximumSingle Vision $43, Bifocal $60 plastic / $70 glass, Trifocal $90 plastic / $100 glass
Contacts After a $7.50 copay, reimbursed to a maximum $78.00
Frequency Every 24 consecutive months from the last date of service
Employee Contributions
Payroll Deduction (24 Pays)
Full Time Single Coverage
$3.71
Full Time Double Coverage
$7.05
Full Time Family Coverage
$10.35
Disability Insurance with Mutual of OmahaDisability provides financial protection in the event you become ill or are injured and unableto work for an extended period. You will receive a portion of your pay while you are out ofwork so you can focus on healing and feeling your best.
Maternity is considered an illness and benefit payments begin on the 8th day for Short TermDisability. Your maternity benefit under the disability plan is not “maternity leave” and is inplace for the medically necessary recovery following childbirth. Please refer to the GrandTraverse County policy, or HR, for details on maternity leave outside of your disability benefit.
Benefits are subject to medical necessity and serve as financial support in the event you are illor injured and unable to work. Medical documentation is required and benefits end once it isdetermined you can return to work.
If you receive other income while on disability, yourdisability benefits may be reduced.
If you expect your disability to keep you from working fora significant amount of time that exceeds your Disabilitybenefit, it is recommended you apply for Social SecurityDisability Income (SSDI) to provide continued incomereplacement on a long-term basis.
Benefits are typically paid on a weekly basis for ShortTerm and on a monthly basis for Long Term. Specialcircumstances may apply for events such as childbirth.
Short Term Disability
Minimum Benefit None
Percentage of Weekly pay 66.67%
Max Benefit $3,500
Benefits Start Injury: 8 Days
Illness: 8 Days
Benefits Duration Up to 26 Weeks
Pre-Existing Condition None
Long Term Disability
Minimum Benefit
$100 / 10%
Percentage of Monthly pay
60%
Max Benefit $5,000
Benefits Start 180 Days
Definition of Disability
24 Month Own Occupation
BenefitsDuration
Age 65, SSNRA, or 3.5 yearsWhichever is longest
Pre-Existing Condition
Benefits are not payable for 12 months if you are diagnosed or treated within 3 months prior to
the plan effective date
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Employer Paid Life and AD&DGrand Traverse County provides a life insurance benefit to you, at no cost, administered byMutual of Omaha. Please see Employee Navigator or Human Resources for more details.
Voluntary Life and AD&DYou also have the option to purchase life and accidental death and dismembermentinsurance coverage for yourself, as well as your spouse and child if you choose. The voluntaryportion of the plan is also administered by Mutual of Omaha.
• Accidental Death & Dismemberment provides an additional benefit in the event you areseriously injured or die due to an accident.
• Life happens and sometimes we miss the small stuff. Make sure your beneficiary is up todate. In the event you pass away your life insurance will be paid to the beneficiary mostrecently noted.
• Spouse and Child life insurance is always paid to the employee unless they pass away atthe same time.
• If you end your employment with Grand Traverse County you have the option to continueyour life insurance.
• Premium for the additional life insurance is based on the amount you purchase and theemployee’s age. This can be viewed on the Mutual of Omaha benefit summary orcalculated when enrolling in Employee Navigator.
Coverage Employee Spouse Child
Minimum Election $10,000 $5,000 $5,000
Increments $10,000 $5,000 $5,000
Maximum Election $300,000 or
5x Annual Salary
$50,000 or 100% of Employee
Election
$10,000 or100% of Employee
Election
Guaranteed Issue $150,000 $30,000 $10,000
Annual Buy Up $10,000 Not Applicable Always Guaranteed
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Accident Coverage with Mutual of OmahaAccident coverage provides a cash benefit if you are injured or require care due to anaccident. Employees can enroll themselves and their families, up to age 80 (age reductionapplies), and includes an additional $50 per person per calendar year benefit for those whohave a health screening test performed. Coverage is available for accidents that occur onand off the job. A full summary of the benefits available to you is available on EmployeeNavigator, however a sample list is noted below:
Sample Benefits include, but not limited to: EmployeeEmergency Treatment $150
Hospital Admission $1,000
Physician Follow-Up (up to 6 per accident) $75
Therapy Services (i.e.. PT— up to 6 per accident) $25
Urgent Care Center $100
Lacerations $25 to $600
Wrist Fracture $450 or $900
Employee Contributions Payroll Deduction (24 Pays)
Single Coverage $7.22
Employee & Spouse Coverage $10.99
Employee & Child(ren) Coverage $13.65
Family Coverage $18.45
Critical Illness Coverage with Mutual of OmahaCritical Illness coverage provides a lump-sum benefit payable for someone diagnosed withany of the covered critical illnesses. A comprehensive list of covered critical illnesses can befound in the plan summary on Employee Navigator. Coverage is available to you and yourfamily members and includes an additional $50 per person per calendar year benefit for thosewho have a health screening test performed. There is also a “reoccurrence benefit” thatprovides a onetime payable benefit for a subsequent diagnosis of that same critical illness.The cost of the plan is determined by your age and the amount of coverage you purchaseand will be calculated for you in Employee Navigator.
Covered Critical Illnesses include, but not limited to:
Cancer Heart Attack
Stroke Coronary Artery Bypass Surgery
Cerebral Palsy (child) Type 1 Diabetes (child)15
Employee Assistance ProgramLife’s not always easy. Sometimes a personal or professional issue can affect your work, health and general well-being.When facing life’s challenges, you often turn to family or friends for support. But sometimes that’s not enough. Sometimes you need an experienced professional to talk with to know you’re not alone.
Mutual of Omaha’s Employee Assistance Program (EAP) assists employees and their eligible dependents with personal and job-related concerns, including:
• Emotional well-being
• Family and relationships
• Legal and financial
• Healthy lifestyles
• Work and life transitions
EAP Benefits As an employee, or eligible dependent, of your company your EAP benefits include:
• Access to EAP professionals 24 hours a day, seven days a week
• Information and referral service• Service for employees and eligible
dependents• Robust network of licensed and/or
certified mental health professionals• Three face-to-face sessions with a
counselor (per household per calendar year)
• Legal and financial resources• Online will preparation• Legal library and online forms• Financial tools & resources
• Resources for:• Work/life balance• Substance use• Dependent and Elder Care
Resources• Access to a library of educational articles,
handouts and resources via mutualofomaha.com/eap
Highly Trained, Experienced EAP StaffOur EAP staff members are all licensed, master’s level Employee Assistance Professionals. They provide a solution-focused approach by assessing your situation and referring to the appropriate resources necessary.
What to ExpectWhen you call, you will speak directly to an EAP professional to receive immediate support and guidance.
You can entrust your EAP professional to assess your needs and handle your concerns in a confidential, respectful manner. Our goal is to collaborate with you and find solutions that are responsive to your needs.
Your EAP benefits are provided through your employer. There is no cost to you for utilizing EAP services. If additional resources are needed, your EAP professional can assist by locating affordable solutions in your area.
EAP Consultation
Mutual of Omaha’s Employee Assistance Program provides professional, confidential quality consultation, 24 hours a day.
mutualofomaha.com/eap1-800-316-2796
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Dependent Care Flexible Spending AccountA Dependent Care Flexible Spending Account is a pre-tax account funded throughemployee elected payroll deductions to pay for dependent care expenses. To qualify, thedependent care must be essential for you and your spouse to work, look for work, or attendschool full time.
How a Dependent Care FSA (DCFSA) Works
1. With a DCFSA, you are able to make pre-tax payroll contributions to pay for dependentcare expenses.
2. Determine the amount you would like to contribute for the year. The maximum annualDCFSA election allowed is $5,000 per household. Any expenses exceeding $5,000 can beclaimed on your income tax filing.
3. Your annual DCFSA funds are not available upfront. Funds are only accessible as they aredeposited with each payroll deduction.
4. Pay dependent care costs out-of-pocket. Submit expenses for reimbursement eitherthrough the HealthEquity member portal, or by using the DCFSA Reimbursement form.Recurring DCFSA claims can be scheduled for the duration of the plan year.
5. If you do not use all your DCFSA election within the year, you have a 2.5-month graceperiod that allows you to incur additional dependent care expenses for reimbursement.All reimbursements for expenses incurred in the current plan year and during the graceperiod must be submitted for reimbursement no later than 90 days after the end of theplan year. The plan year runs January through December. Remember: if you don’t use it,you lose it!
6. You are locked into your election unless you experience a change in dependent carestatus.
Qualified Dependents
Children under the age of 13
A spouse who is physically or mentally unable to care for him/herself
Any adult you can claim as a dependent on your tax return that is physically or mentallyunable to care for him/herself
Eligible Expenses
Household employee whose services include care of a qualifying person
Looking-for-work expenses
Preschool or nursery school for pre-kindergarten
Sick-child care center
Babysitter inside or outside household
Before and after school or extended day programs
Custodial childcare or eldercare expenses
Day camps
Daycare centers and Nanny expenses17
WILL U join TODAY?
GRAND TRAVERSE COUNTY wellness PROGRAM
The Grand Traverse County Health & Wellness Program, administered by Marquee Health, offers confidential and professional coaching for physical activity, nutrition, weight management, smoking and tobacco cessation, stress management, sleep hygiene, heart health, finance management, healthy family habits, diabetes, general health and prevention, cancer resistance and prenatal wellness.
Our Health Educators will work with you to develop a personal action plan that includes: discussing your current health and wellness interests; assisting you in developing a tailored wellness plan, based on your individual health goals; providing you with educational materials and guidance to support your wellness plan; and offering ongoing support and resources to help you achieve your goals.
What RESOURCES ARE AVAILABLE THROUGH MARQUEE HEALTH? A wide array of resources are available to you on the Marquee Health website, at mymarqueehealth.com:
• Health Improvement Programs• Wellness Newsletters• My Rewards Incentive Program• Personal Health Assessments• On-Demand Wellness Videos• Wellness Challenges• Monthly Live Webinars• Video or Web Chat Coaching Consultation• Online Coaching Programs• Wellbeing Place Blog
HOW DO I GET STARTED?Grand Traverse County employees can connect with Marquee Health by:
• Phone. Call 1-800-882-2109.
• Email. Email a Health Educator [email protected].
• Web. Log into mymarqueehealth.com.New users will select ‘Click Here toRegister’, enter the Code gtwellnessthen use your company email to createa profile.
Phone 800.882.2109 Web mymarqueehealth.com Email [email protected]
2022 Payroll & Holiday Calendar
19
Online Enrollment with Employee Navigator
How to EnrollEnrolling in CoverageTo access Employee Navigator: https://www.employeenavigator.com/benefits/Account/Login
1. Click Register as a new user. Create an account and createyour username and password.
2. After you login, click Let’s Begin.
3. Complete any applicable onboarding tasks. Once you’vecompleted your task click Start Enrollment to begin yourenrollment.
Tip: If you hit “Dismiss, complete later” you’ll be taken to yourHome Page. You’ll be able to start enrollments again byclicking “Start Enrollment”.
4. After clicking Start enrollment, you’ll need to complete somepersonal and dependent information before moving to yourbenefit elections.
Tip: Have dependent details handy. To enroll a dependentin coverage you will need their date of birth and SocialSecurity number.
5. To enroll dependents in a benefit, click the checkbox next tothe dependent’s name under Who am I enrolling? Belowyour dependents you can view your available plans and thecost per pay. To elect a benefit, click Select Planunderneath the plan cost.
Click Save & Continue at the bottom of each screen to saveyour elections. If you do not want a benefit, click Don’t wantthis benefit? at the bottom of the screen and select a reasonfrom the drop-down menu.
6. Review the benefits you selected on the enrollmentsummary page to make sure they are correct, then clickSign & Agree to complete your enrollment. You can eitherprint a summary of your elections for your records or login atany point during the year to view your summary online.
Tip: If you miss a step, you’ll see Enrollment Not Complete inthe progress bar with the incomplete steps highlighted. Clickon any incomplete steps to complete them.
Company Identifier:Grandtraverse
Company Identifier:Grandtraverse
Carrier Contact Information
Line of Coverage Carrier Phone & Website
Medical Priority Health800-942-0954
www.priorityhealth.com
Telemedicine Spectrum Health877-362-8362
Priority Health Member App
Health Savings AccountDependent Care FSA
Health Equity866-346-5800
www.healthequity.com
Dental Delta Dental800-524-0149
www.deltadental.com
Vision EyeMed888-581-3648
www.eyemed.com
Life and AD&D, STD and LTDAccident & Critical Illness
EAPMutual of Omaha
800-228-7104www.mutualofomaha.com
Benefits ConsultantsAdvantage Benefits
Group
Jennifer Petterson Benefits Specialist
Nikole Warner Medical, HSA/FSA Account Manager
Kelsey Curtis Ancillary Account Manager