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1111 H S treet, Fres no, C A 937 2 1 , Tel559. 457 . 0 68 1 Fax 559. 457 . 0 31 8
DA T E: July 15, 2015
T O : Board of Retirement
FR O M : Donald C. Kendig, CPARetirement Administrator
S T A FFCO N T A CT : Becky Van WykAssistant Retirement Administrator
S U BJECT :A doptR esolutionA uthorizingtheO ptionalDeductionsfrom R etirem entP ayrollBenefitsasA uthorizedby S tatute– R ECEIVEA N D FIL E:A P P R O P R IA T EA CT IO N
BackgroundandDiscussionThe California Government Code limits the voluntary deductions that can be made from benefits paidto a retired member of a retirement system authorized under the County Employees Retirement Lawof 1937 (CERL). Deductions that may be authorized include: (1) Paying premiums on any policy orcertificate of group life insurance or group disability insurance issued by an admitted insurer. (2)Paying premiums for a prepaid group medical or hospital service plan. (3) Paying premiums for avision care program or dental plan, approved by the board, for the benefit of the retired member orhis or her dependents. (4) Paying premiums on national service life insurance or United Statesgovernment converted insurance. (5) Payment for the purchase of shares in or the payment ofmoney to any regularly chartered credit union. (6) Payment to a charitable organization or afederally chartered veterans’ organization that is approved by the board. (7) Payments to arecognized retiree organization. (8) Payment for the purchase of United States savings bonds. (9)The payment of personal income taxes to the government of the United States or the State ofCalifornia. (10) Payment for any retiree benefit programs available through the recognized retireeorganization.
The Board has previously authorized deductions for (1) Paying premiums for a prepaid group medicalinsurance offered through the County of Fresno; (2) Payments to a recognized retiree organization,specifically the Retired Employees of Fresno County (REFCO); and (3) The payment of personalincome taxes to the government of the United States or the State of California (which was extendedto include all 50 of the states that collect income taxes). Although statutes allow for the collection ofa reasonable fee for the making of the deductions and payments, to date, the Board has not imposeda fee for any voluntary deductions.
FRES NO C O UNTY EM P L O YEES ’ RETIREM ENTA S S O C IA TIO N
B O A RD O FRETIREM ENT
S teven J. Jolly, C hairD r. Rod C obu rn, III, Vic e C hair
L au raP . B asu aGreg B axter
Vic kiC rowP au lD ic tos, C P A
RobertD owellEu lalio Gom ez
M ary A nn Rogozinski, A lternateD onald C . Kend ig, C P ARetirem entA d m inistrator
Optional Deductions from Retirement Payroll BenefitsJuly 15, 2015Page 2
In recent years, the State Association of County Retirement Systems (SACRS) has developed a visioncare package and is working to develop a dental care plan. Participation in the program does requireadoption of payment of the premium through a deduction from the retiree’s monthly retirementbenefit. In addition, REFCO has contracted with Pacific Group Agencies, Inc. to provide optionalbenefits for its members. The optional benefits include insurance for dental, vision, travel, car, homeowner’s, identity theft, pet care, personal accident & secure travel, hearing aid, and legal shield.Premiums are currently deducted directly from the participant’s bank account. REFCO believes thatparticipation would increase if payroll deduction were authorized.
The County of Fresno provides access to retiree health insurance, including vision and dental, toformer County employees. However, FCERA’s population includes former members of severalspecial district employers as well. And not all former County employees are enrolled in the County’shealth insurance program. The availability of a low-cost vision program would allow those memberswho do not participate in the County’s health insurance program to have access to much neededvision care. In addition, the program offered through SACRS includes enhanced coverage for thoseencountering issues resulting from diabetes or who have hearing issues. I have attached informationon Vision Service Plan (VSP) to this discussion item.
SACRS offers a vision care package to eligible retired members of 1937 Act systems. Many FCERAretirees have expressed interest in the program. For a small monthly premium (negotiated bySACRS), the participant can receive both routine and follow-up medical eye care, including diabeticeye care, retinal screening, and even hearing aid discounts. In order for retired members toparticipate in the program, the retirement system must authorize the use of payroll deduction forthe premium which is paid by the benefit recipient. Currently, two or three 1937 Act systemsparticipate in the program. Once set up, the program is at little to no cost to the retirement system.The retirement system is responsible for the costs to set up the program, custodial bank costs, andissuing the premium check to VSP, all other costs are paid by VSP and the participant.
Kelly Prinz, Retirement Benefits Manager, discussed the SACRS vision care benefit with arepresentative of REFCO to confirm that the program would not conflict with any offerings availablethrough their program. They expressed gratitude that FCERA Administration and the Board wereconsidering this idea. In addition, they have a slate of optional services available to members ofREFCO through Pacific Group Agencies, Inc. (PGA) that they would like the Board to considerincluding as an approved payroll deduction. FCERA staff met with REFCO and representatives of PGAto discuss their program and FCERA’s programming requirements. We have had retirees expressinterest in the program, as well. I have attached information about these services as part of thisdiscussion item.
In addition to these two established programs, SACRS is getting ready to offer a dental programthrough CIGNA Healthcare. A description of the program is not currently available. As with the VSPprogram, the retirement system is responsible for the costs to set up the program, custodial bankcosts, and issuing the premium check, all other costs are paid by the vendor and the participant.
Optional Deductions from Retirement Payroll BenefitsJuly 15, 2015Page 3
Kelly Prinz, Thanaphat (Pat) Srisukwatana, Systems and Procedures Analyst, Kim Zepeda, Systems andProcedures Analyst, and Becky Van Wyk, Assistant Retirement Administrator, met withrepresentatives of SACRS and VSP to discuss the vision care program and the steps required to bringit to FCERA. FCERA staff also met with representatives of REFCO and PGA regarding their program. Ifthe Board approves the deductions, FCERA staff will work with the vendors (VSP, CIGNA and PGA)and Northern Trust to set up deduction codes and processes to submit the deduction information forprocessing. We anticipate that we will be ready to process the first deduction file for REFCO inAugust or September, 2015 and for VSP in January, 2016. An implementation date is not yetavailable for CIGNA.
Security of Member DataSACRS has contracted with VSP to provide the vision care services. VSP submitted a confidentialindependent auditor’s report completed by KPMG for the period of January 1, 2014 to December 31,2014. FCERA Administration review of the confidential report determined that the key criticalcontrols, including proper physical security protocol to their facility, daily back-up of main-frame,network monitoring tools, password policy, firewalls, encrypted tunnel via VPN to their network, anda disaster recovery plan that includes a warm site for critical business system, were found acceptableby KPMG.
REFCO has contracted with PGA to provide the optional benefits to REFCO members. PGA states thatphysical files are kept locked in locked offices. Electronic files are stored on an in-house secureserver. Access to the electronic files requires two passwords. Access to either the physical files orthe server is limited to those with “a need to access customer files” have been granted access tothem. A back-up of the electronic files is maintained on a secure drive in a safe located offsite of thephysical location of the server.
Security information on the proposed SACRS sponsored dental plan through CIGNA Healthcare is notcurrently available. FCERA will carefully review security protocols before initiating a deduction withCIGNA Healthcare.
The confidential data file exchange that will occur between FCERA, the vendors (VSP, PGA, andCIGNA Healthcare) and FCERA’s disbursement bank, includes encrypting the files with one of thehighest encryption levels and transmitting the files via secured connections and servers.
FCERA is comfortable with the level of security that the vendors provide for their informationsystems and we believe that they maintain industry standards for monitoring, back-up, and security.
In addition, the vendors and/or their third party print/mail shop will sign confidentiality agreementsconfirming their agreement to keep the mailing information confidential and not sell it to or share itwith any third party, whether affiliated or not.
Optional Deductions from Retirement Payroll BenefitsJuly 15, 2015Page 4
Recovery upon death of participantFCERA staff will immediately notify the vendors upon the death of a member participating in eitherprogram to ensure timely elimination of the deduction. Currently, FCERA requests the return of the“net check” from the bank or estate of the deceased recipient. Sometimes, this means that FCERA isout of pocket insurance premiums, REFCO membership dues and taxes until returned by therespective agency. Recovering insurance premiums is not always possible, resulting in losses toFCERA.
If FCERA were to request the return of the gross check (less taxes) from the estate, the vendorswould be responsible for forwarding recovered premiums to the participant’s estate. This wouldresult in less processing and costs to FCERA.
Cost to set up and monitorFCERA will incur some costs to set up these authorized deductions. In addition to the time spent inresearching the opportunity and meeting with representatives of the programs, staff time will beused to set up the file transfer that will initiate the deduction. This is a one-time cost that will recuranytime FCERA changes disbursement banks. We anticipate 20 hours of staff time.
Additionally, staff time will be used to create an initial and annual mailing data base of all retiredmembers that will be used to notify members of these opportunities. Each program has its own“opt in” parameters, specifically at retirement and then at least annually thereafter. The cost of themailers will be borne by the vendors. We anticipate 2 hours per year of staff time.
FCERA will incur staff time to forward and approve a “change file” (list of deduction adds anddeletes) to the disbursement bank each month. A separate file will be created for each vendor. Thisis the same process used to modify the insurance deduction for members that participate in theCounty’s health insurance program. In addition, FCERA staff will copy and forward the deductionlisting to each vendor. We anticipate 1 hour per month of staff time.
FCERA may incur a cost to set up a deduction and issue and mail a check to each vendor. There willbe no additional charges with the current bank, but future contracts may result in additional costs.The bank will charge less than $2 per check issued each month to the three vendors, or less than $6.
FCERA will incur staff time to include the optional benefit information in the retirement packet andmention it during counseling sessions, retirement workshops, and retirement seminars and updatelinks on FCERA’s website as needed. We anticipate this will have minimal impact on the process, lessthan 5 minutes per member. Benefit information will be provided by the vendors to be included withthe retirement packet.
Optional Deductions from Retirement Payroll BenefitsJuly 15, 2015Page 5
Participant NotificationEach vendor will provide information to the participants via a separate mailing. We believe thatthere will be some confusion specifically due to the vision and dental care offered by both SACRS andREFCO. It will be incumbent upon the participants to carefully read the promotional information andspeak with representatives of the programs to determine which program is best suited to theirsituation. FCERA staff will not discuss the program, premiums, or offerings with members.
FCERA will obtain written confidentiality agreements from each vendor. FCERA will then provide afull listing of benefit recipients to each vendor or their third party print/mail firm so that informationcan be provided to all FCERA benefit recipients notifying them of the benefit. FCERA will have theopportunity to review and approve the announcements prior to distribution.
VSP and PGA will provide information packets to FCERA for inclusion in retirement packages. FCERAand vendors will work with Northern Trust, FCERA’s disbursement bank, to set up and test thededuction files that will update participant payment records for the premium. Deductions cannot bestarted without the written authorization of the participant. Thus, FCERA staff will need to confirmall adds to the deduction files. Similar procedures will be established with CIGNA Healthcare once itis ready to implement.
FiscalandFinancialIm pactsUsing an average hourly salary and benefits amount for full-time staff of $40.42 (FY2015-16 salaryrequest $2,522,120) divided by budgeted full time hours (30 positions times 2,080 hours), weanticipate the per vendor initial set up to cost $808 ($2,424 one-time costs for three vendors) andon-going costs of $566 per year plus $24 per year ($1,770 per year for the three vendors) to issue thechecks.
Statutes do allow the collection of a reasonable charge for deductions to participants’ retirementbenefits. FCERA has not imposed such a fee in the past and does not recommend doing so at thispoint.
R ecom m endedA ction(s)1. Adopt the attached resolution, without charge, authorizing retiree payroll deduction under
Government Code Section 31452.5(a)(3) for premiums for vision and dental care programssponsored by SACRS for the benefit of the retired member or his or her dependents.
2. Adopt the attached resolution, without charge, authorizing retiree payroll deduction underGovernment Code Section 31452.5(a)(10) for payment for a retiree benefit program availablethrough REFCO and payable to a single party designated by REFCO.
Optional Deductions from Retirement Payroll BenefitsJuly 15, 2015Page 6
A lternativeR ecom m endedA ction(s)1. Adopt the attached resolution, with fee language, authorizing retiree payroll deduction under
Government Code Section 31452.5(a)(3) for premiums for vision and dental care programssponsored by SACRS for the benefit of the retired member or his or her dependents.
2. Adopt the attached resolution, with fee language, authorizing retiree payroll deduction underGovernment Code Section 31452.5(a)(10) for payment for a retiree benefit program availablethrough REFCO and payable to a single party designated by REFCO.
3. Direct staff to return with a recommended fee to be charged participants for optionaldeductions.
4. Delay adoption of any options and direct staff to return with additional information.
A ttachm ent(s)1. Resolutions (4 Versions: SACRS and REFCO Deduction Resolutions without a fee, SACRS and
REFCO Deduction Resolutions with a fee)2. Program Overview – SACRS VSP3. Program Overview – REFCO Pacific Group Agencies, Inc.
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BEFORE THE BOARD OF RETIREMENT
OF THE FRESNO COUNTY EMPLOYEES’ RETIREMENT ASSOCIATION
FRESNO COUNTY, CALIFORNIA
IntheM atterofAuthorizingR etireeP ayrollDeductionsfortheP aym entofR etireeBenefitsAvailableT hroughtheR etiredEm ployeesofFresnoCounty
)))))
RESOLUTION
WHEREAS,Governm ent Code section 31452.5 authorizesthe R etirem ent Board to give
effect to arevocable w ritten authorization signed by aretired m em berorbeneficiary ofa
retired m em berentitled to aretirem ent allow ance orbenefit to deduct aspecified am ount
from theretirem entallow anceorbenefitpayableforavariety ofallow ed purposes;and
WHEREAS, Governm ent Code section 31452.5(a) (10) authorizesadeduction forany
retireebenefitprogram savailablethroughtherecognizedretireeorganization;and
WHEREAS,R etired Em ployeesof Fresno County (R EFCO ) isthe recognized retiree
organizationforFCER A;and
WHEREAS, the Retired Employees of Fresno County (R EFCO )hascontracted w ith P acific
GroupAgencies,Inc.toofferavariety ofoptionalbenefitstom em bersofR EFCO ;and
WHEREAS,the R etirem ent Board w ishesto m ake these program savailable to retired
m em bersand their beneficiariesof the Fresno County Em ployees’ R etirem ent Association
(FCER A);
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NOW, THEREFORE BE IT RESOLVED thattheBoard ofR etirem entofthe Fresno County
Em ployees’ R etirem ent Association hereby authorizes retired m em bers of FCER A, or
beneficiariesofretired m em bersentitled to retirem ent allow ancesorbenefitsfrom FCER A,to
direct paym ent ofprem ium sforthe acquisition ofoptionalbenefitsoffered by R EFCO upon
delivery ofarevocable w ritten authorization signed by the m em berorbeneficiary to FCER A;
andthatsuchrevocablew rittenauthorizationw illbem aintainedby FCER A.
AND, THEREFORE BE IT FURTHER RESOLVED thattheBoard ofR etirem entoftheFresno
County Em ployees’ R etirem entAssociation hereby directsthatsuch deductionsw illbe allow ed
w ithoutadditionalchargeby FCER A tothem em bersorbeneficiariesrequestingthedeductions,
subjecttofurtherreview andactionby theBoard ofR etirem ent.
Adopted at a regular m eeting of the Board of R etirem ent of the Fresno County
Em ployees’ R etirem entAssociation,heldonthe_____ day of____,2015,by thefollow ing
vote,tow it:
Ayes:
N ays:
Absent:
Abstain:
BO AR D O FR ET IR EM EN T
By:____________________________S tevenJ.Jolly,Chair
Attest:
____________________________DonaldC.Kendig,CP A,S ecretary
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BEFORE THE BOARD OF RETIREMENT
OF THE FRESNO COUNTY EMPLOYEES’ RETIREMENT ASSOCIATION
FRESNO COUNTY, CALIFORNIA
IntheM atterofAuthorizingR etireeP ayrollDeductionsfortheP aym ent foraR etireeBenefitsAvailableT hroughtheR etiredEm ployeesofFresnoCounty
)))))
RESOLUTION
WHEREAS,Governm ent Code section 31452.5 authorizesthe R etirem ent Board to give
effect to arevocable w ritten authorization signed by aretired m em berorbeneficiary ofa
retired m em berentitled to aretirem ent allow ance orbenefit to deduct aspecified am ount
from theretirem entallow anceorbenefitpayableforavariety ofallow ed purposes;and
WHEREAS, Governm ent Code section 31452.5(a) (10) authorizesadeduction forany
retireebenefitprogram savailablethroughtherecognizedretireeorganization;and
WHEREAS,R etired Em ployeesof Fresno County (R EFCO ) isthe recognized retiree
organizationforFCER A;and
WHEREAS, theR etired Em ployeesofFresno County (R EFCO )hascontracted w ith P acific
GroupAgencies,Inc.(P GA)toofferavariety ofoptionalbenefitstom em bersofR EFCO ;and
WHEREAS,the R etirem ent Board w ishesto m ake these program savailable to retired
m em bersand their beneficiariesof the Fresno County Em ployees’ R etirem ent Association
(FCER A)throughpayrolldeduction;
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NOW, THEREFORE BE IT RESOLVED thattheBoard ofR etirem entofthe Fresno County
Em ployees’ R etirem ent Association hereby authorizes retired m em bers of FCER A, or
beneficiariesofretired m em bersentitled to retirem ent allow ancesorbenefitsfrom FCER A,to
direct paym ent ofprem ium sforthe acquisition ofoptionalbenefitsoffered by R EFCO upon
delivery ofarevocable w ritten authorization signed by the m em berorbeneficiary to FCER A;
andthatsuchrevocablew rittenauthorizationw illbem aintainedby FCER A.
AND, THEREFORE BE IT FURTHER RESOLVED thattheBoard ofR etirem entoftheFresno
County Em ployees’ R etirem entAssociation hereby directsthatsuch deductionsw illbe allow ed
w ith an additionalchargeby FCER A tothem em bersorbeneficiariesrequestingthedeductions,
nottoexceedactualcosts,subjecttofurtherreview andactionby theBoard ofR etirem ent.
Adopted at a regular m eeting of the Board of R etirem ent of the Fresno County
Em ployees’ R etirem entAssociation,heldonthe_____ day of____,2015,by thefollow ing
vote,tow it:
Ayes:
N ays:
Absent:
Abstain:
BO AR D O FR ET IR EM EN T
By:____________________________S tevenJ.Jolly,Chair
Attest:
____________________________DonaldC.Kendig,CP A,S ecretary
Disclaimer ~ Supplemental Benefits for REFCO Members Page 1 of 2
REFCO Home Supplemental Benefits for REFCO Members
Disclaimer
Supplemental D ~ sc I a i m e rBenefits
Dental PPO This site contains summaries and highlights of the plans
Dental HMO available. Certain wording has been shortened due to
space limitations. Every attempt has been made tovision
ensure the wording is accurate and factually representsLegal Shield the coverages; however, mistakes can occur. This site is
ID Theft Shield not a Certificate of Insurance and nothing contained
Personal Accident herein, either written or implied, will change the terms of
with Secure Travel the Certificates of Insurance. Additional exclusions,
Comprehensive limitations, and eligibility requirements may apply.Travel
Insurance carriers have the right to change the ~ rules,PPO Pet
regulations, terms of coverage, availability, andHMO Pet guidelines that are placed on the application, policies, andHome and Auto enrollment at any time. Rates change periodically
HearPO depending on the carrier, open enrollment for the carrier,
and the type of available insurance products.Life Insurance
Questions This website contains summaries and highlights of the
plans available. Every attempt has been made to ensure
the wording on this website is accurate and factually
represents the coverages being offered; however,
mistakes can occur. This website is not a Certificate of
Insurance and nothing contained herein, either written or
implied, will change the terms of the Certificates of
Insurance. Additional exclusions, limitations, and
eligibility requirements may apply. For all plans, please
refer to the Certificates of Insurance for the specifics on
what is or is not covered.
http://pgagencies.com/portal/refco/disclaimer/ 7/7/2015
Disclaimer ~ Supplemental Benefits for REFCO Members Page 2 of 2
An individual cannot assume they have effective
insurance coverage even if they have submitted an
application. An individual cannot assume that they have
coverage until the carrier has sent the individual a
verification of coverage with the appropriate effective
date.
It is the responsibility of the member to contact us
regarding any change in their status that affects the
ability to be insured under any of these plans. It is also
the responsibility of the member to confirm that they
have been enrolled in the correct plan and it is suitable
for their needs. Members must maintain membership
status in REFCO in order to retain these benefits. Failing
to maintain membership in REFCO may result in the
termination of your coverage. Coverages may be
terminated should your retirement check, checking
account, or credit card deduction stop for any reason.
These benefits are offered and administered through an
independent broker, Pacific Group Agencies, and not
REFCO. In promoting the health, well-being, happiness,
and continued productivity of its members, REFCO has
endorsed the offering of these benefits, but REFCO itself
does not provide or administer any of these benefits, nor
does REFCO receive any financial compensation for their
sale.
Pacific Group Agencies, Inc., CA License 0078489.
http://pgagencies.com/portal/refco/disclaimer/ 7/7/2015
Dental PPO ~ Supplemental Benefits for REFCO Members
REFCO Home
Disclaimer
SupplementalBenefits
Dental PPO
Dental HMO
Vision
Legal Shield
ID Theft Shield
Personal Accidentwith Secure Travel
ComprehensiveTravel
PPO Pet
HMO Pet
Page 1 of 4
Supplemental Benefits for REFCO Members
~.
~~
Dental PPO
AmeritasPPO Dental
Americans Spend Over $100 Billion on
Dental Care Each Year.
Good oral health and visiting a dentist regularly is
extremely important in maintaining your overall health
and wellbeing. Dentists not only check your teeth, but
they can spot oral manifestation of serious medical
illnesses such as heart disease, diabetes, respiratory
infection, and oral cancer. Yet, despite the significant
health benefits of having routine dental care, almost 40%
of seniors fail to visit a dentist at least once during the
year. The #1 reason is due to the cost.Home and Auto
HearPO •This full service Ameritas dental plan provides a
Life Insurance X1,500 calendar year benefit and covers 360+
procedures from routine to the major, includingQuestions preventative care, crowns, dentures, and implants.
• Ameritas rewards members for maintaining their
dental health. Visit a dentist at least once during the
year and Ameritas will increase your in-network
benefit for Basic Services 5% each year, up to 85%
tots I !
• With the unique Ameritas Dental Rewards° benefit,
members who use less than $750 of their annual
benefit will automatically have up to an additional
$400 per year banked by Ameritas for the member's
future use.
http://pgagencies.com/portal/refco/dental-ppo/ 7/7/2015
Dental PPO ~ Supplemental Benefits for REFCO Members Page 2 of 4
• This PPO plan allow you to see any dentist, but if
your dentist belongs to the Ameritas network, there
are significant cost savings benefits including:
Ameritas network dentist rates are greatly
discounted -typically saving you an additional
25% - 35% off the regular ~~street" rates.
Higher network benefits when seeing a network
dentist.
Ameritas has over 268,000 providers nationwide. It is the
largest nationwide dental network! You could save
hundreds of dollars a year by visiting an in-network
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Search for Network providers in your area at:
www.AmeritasGroup.com
Non-
DescriptionNetwork NetworkProvider
Provider*
Calendar Year Benefit $1,500
$400 Per Year $250 Per Year
Dental Rewards°Up To $1,000 Up To $1,000
PREVENTATIVE
SERVICES
Cleanings (1 per 6
months), Routine & 100% 80%
Comprehensive Oral
Evaluations, Bitewing
X-Rays, &Fluoride.
http://pgagencies.com/portal/refco/dental-ppo/ 7/7/2015
Dental PPO ~ Supplemental Benefits for REFCO Members Page 3 of 4
BASIC SERVICES 7500 _ 1St 75%
Fillings, Simple Year
Extractions, Periodontal nd
Maintenance, Panoramic $~% — 2
X-Rays, Denture RepairYear
& Reline, Recement, 85% _ 3rd
Biopsy, Sealants, &Year
Emergency Pain Relief.
Benefits
Increase
Annually
MAJOR SERVICES**
Crowns, Implants,
Periodontics,
Endodontics, Root
Canals, Bridges,
Dentures, Complex 50% 50%
Extractions, Anesthesia,
Bone Augmentation,
Inlay Restorations, Onlay
Restorations, Crown
Repair, Bridge Repair, &
Space Maintainers.
Calendar Year Deductible$50 /Person $75 /Person
Waived for Preventative
*Benefits are paid at the Ameritas contracted rate.
**12-month waiting period unless currently covered under
another insurance plan.
http://pgagencies.com/portal/refco/dental-ppo/ 7/7/2015
Dental PPO ~ Supplemental Benefits for REFCO I~lembers Page 4 of 4
Ameritas Dental PPO Monthly Premium
Retiree Only $49
Retiree +Spouse /Domestic Partner
or Child X98
Retiree +Family $135
http://pgagencies.com/portal/refco/dental-ppo/ 7/7/2015
Dental HMO ~ Supplemental Benefits for REFCO Members
REFCO Home
Disclaimer
SupplementalBenefits
Dental PPO
Dental HMO
Vision
Legal Shield
ID Theft Shield
Personal Accidentwith Secure Travel
Page 1 of 4
Supplemental Benefits for REFCO Members
Cigna Dental HMO,+,. ~, ~. ai.
~, The #1 reason seniors avoid going to
•- the dentist is cost. With the(~,
Dental HMO comprehensive Cigna HMO plan, a wide
range of coverage is provided at
extremely affordable rates. Coverages from the routing
cleaning all the way to crowns, dentures, and implants is
covered. There is no waiting period for any covered
service and there are no annual benefit maximums.
Comprehensive .This full service Cigna HMO dental plan covers 380+Travel
procedures from routine to the major, includingPPO Pet
preventative care, crowns, dentures, and implants.HMO Pet Whether your teeth are in excellent health or require
Home and Auto work, this plan will have you covered.
HearPO • No cost surprises. Every covered procedure has a set
co-pay, so you will know exactly how much youLife Insurance
everything will cost before having any work done.questions No set annual benefit maximum. Whether you only
require a routine cleaning or you need multiple
crowns and an implant, you will never run up against
a calendar maximum dollar benefit like PPO plan
have.
• All services are available from your first day of
coverage. There is no waiting period for any covered
service. Whether it's just a cleaning or an implant, all
covered services are available beginning your first
day covered by the plan.
• The nationwide Cigna network is comprised of highly
qualified dentists that are pre-screened and
http://pgagencies.com/portal/refco/dental-hmo/ 7/7/2015
Dental HMO ~ Supplemental Benefits for REFCO Members Page 2 of 4
thoroughly evaluated prior to their acceptance as a
Cigna dentist. Selecting a dentist who meets your
needs and expectations is a decision that is too
important to make without careful consideration and
Cigna has prescreened all their network dentists for
you.
You can search for HMO providers in your area at:
http://cigna.benefitnation.net/cigna/docdir.aspx
The following is a list of procedure types and the member
co-pay under the Cigna HMO plan.
Procedure Type Member Co-Pay
Oral Evaluations $0
X-Rays $0
Prophylaxis (Cleaning) $0
Resin Filling $0
Root Canal (Anterior) $30
Extraction of Erupted Tooth $0
Porcelain Inlay $50
Porcelain Onlay $50
http://pgagencies.com/portal/refco/dental-hmo/ 7/7/2015
Dental HMO ~ Supplemental Benefits for REFCO Members Page 3 of 4
Periodontal Maintenance $15
Scaling and Root Planing $15
Porcelain Crown $50
Denture $100
Denture Repair $10
Biopsy $0
Anesthesia $0
Post &Core $25
Surgical Placement of Transosteal ~g50
Implant
Gingivectomy $35
Removal of Lesion or Cyst $0
Abutment $355
Desensitizing Medication $15
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Dental H1~10 ~ Supplemental Benefits for REFCO Members Page 4 of 4
Note: Procedure Type has been condensed and modified
into ~~plain English". Multiple procedures may be grouped
under a single procedure type and your specific dental
procedure may have a different co-pay than the one
listed above. You will receive a Patient Charge Schedule
prior to your coverage becoming effective and it will list
the co-pays for all 380+ procedures.
Cigna Dental Monthly Premium
Retiree Only $26
Retiree +Spouse /Domestic Partner or X48
Child
Retiree +Family $85
http://pgagencies.com/portal/refco/dental-hmo/ 7/7/2015
Vision ~ Supplemental Benefits for REFCO Members
REFCO Home
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Home and Auto
HearPO
Life Insurance
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Page 1 of 3
Supplemental Benefits for REFCO Members
,+r M
~~
~~Vision
VSP Vision Plan
Having an annual eye exam is crucial to
helping you maintain your overall health
and wellness. Eye exams are not only
used to detect eye diseases such as
cataracts and glaucoma, but they can also detect signs of
serious health conditions, like hypertension,
cardiovascular disease, diabetes and high cholesterol,
that can easily go unnoticed by you. Whether you have
naturally good vision or have had corrective surgery, an
annual eye exam is still vital to your overall care.
VSP allows you to see any provider, but using a VSP
Choice network provider will provide you the highest
benefits and lowest costs. The nationwide VSP network
has over 50,000 points of access, all of which provide
both eye exams and eyewea r.
Search for local VSP Choice Network providers at:
www.VSP.com
Network Non-NetworkDescription
Provider Provider
Examinations 100% Covered $45
Single Vision Lens 100% Covered $30
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Vision ~ Supplemental Benefits for REFCO Members Page 2 of 3
Bifocal Lens 100% Covered $50
Trifocal Lens 100% Covered $65
Lenticular Lens 100% Covered $100
Contact Lens
Medically 100% Covered $210
Necessary
Contact Lens$120 $105
Elective
Frames $120 $70
Deductible:$10 / $25
Exam /Material
Frequency:
Exam /Lens / 12 / 12 / 24
Frame
VSP Vision Monthly Premium
Retiree Only $9.50
Retiree +Spouse / Domestic Partner $19.00
or Child
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Vision ~ Supplemental Benefits for REFCO Members Page 3 of 3
Retiree +Family $28.00
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Legal Shield ~ Supplemental Benefits for REFCO Members
REFCO Home
Disclaimer
SupplementalBenefits
Dental PPO
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Vision
Legal Shield
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Personal Accidentwith Secure Travel
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HearPO
Life Insurance
Questions
Page 1 of 6
Supplemental Benefits for REFCO Members
Legal ShieldProfessional Legal Advice on All
Matters from the Trivial to the
Traumatic for Less Than 50~ a Day
What if you had unlimited access to attorneys to handle
life's complications and weren't charged for their time?
Daily life should be simple, but rarely is, and the routine
can quickly become complicated. In an ideal world, legal
review would be routine, but we don't live in an ideal
world and we make excuses for not seeking legal advice.
There is no doubt that the legal world can be confusing,
complicated, and can be downright frightening. Many
people give up rather than take appropriate action
against those that have caused them harm. When a
problem arises, we tend to feel that it is easier to pay out
of pocket to fix the problem and that it's not worth the
cost of hiring an attorney or the hassle for us to file a
small claims court suit.
With Legal Shield, you will join the 1.4+ million members
that have access to thousands of quality attorneys
nationwide. Whatever issue you are dealing with, Legal
Shield will have an attorney experienced in that area of
law contact you within 8 business hours.
How Legal Shield will benefit you:
Will. Approximately 70% of Americans don't have a Will.
This is a staggering statistic considering the benefits of
having a Will include:
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Legal Shield ~ Supplemental Benefits for REFCO Members Page 2 of 6
Protecting your assets from probate and intestacy laws
and avoiding the costly and time consuming probate
court. Without a Will, your assets are at the mercy of
your state's probate laws, not how you would divide and
gift your assets.
If you are not married, but are in a committed
relationship, you can ensure your partner is provided for.
A Will gives you the control to name your beneficiaries
and determine who you would like to gift your property
to.
Peace of mind knowing your assets are protected and
your loved ones will be taken care of when you are no
longer here.
With Legal Shield, the member receives a Will and yearly
updates at no cost. Spouses and dependents can receive
a Will or update for only $20.
Phone Calls and Letters. We've all been in situations
where we feel a person or company has taken advantage
of us and our calls and letters do not resolve the
situation. Perhaps it was a retail store that won't accept a
return of defective merchandise, or a repairman won't
stand behind his work, or a merchant refuses to honor a
low price guarantee. Without Legal Shield, you're left to
deal with these situations alone and your letters and calls
will likely go unanswered.
With Legal Shield, an attorney will write a letter or make
a phone call on your behalf at no cost to you. When the
other party sees that you have legal representation, they
know you are serious and will work to get the situation
resolved.
Contract and Document Review. While we all say that we
would never sign anything without reading it, the reality
is that many of us will only skim a document before
signing it. Even if we did read everything, would we
understand what all the fine print legal jargon actually
meant?
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Legal Shield ~ Supplemental Benefits for REFCO Members Page 3 of 6
Ever signed a cell phone contract and when the first bill
arrives, you noticed a bunch fees that were never
disclosed? Ever booked a hotel room with a view and
arrived to find out the view is that of the trash dumpster?
Ever have a landlord refuse to return your cleaning
deposit?
With Legal Shield, you can have an unlimited number of
personal legal documents, up to ten pages each, reviewed
and explained to you in plain English by your attorney at
no cost to you. The attorney will also suggest any
changes they deem necessary. If the other party has
acted improperly, the attorney can contact them on your
behalf to get the issue resolved.
IRS Audit Protection. We all know that feeling when
seeing a letter from the IRS. Hoping and praying that it's
just some random information and not notification that
we're being audited. Unfortunately, 1,481,966 people last
year were not so lucky and they were audited by the IRS.
For those who think that only the wealthy get audited,
over 80% of audits were done to households making less
than $50,000 per year.
With Legal Shield, when you are notified of an audit by
the IRS, you have immediate access to consultation,
advice, and assistance at no cost to you. You can receive
at no additional cost, up to 50 total hours of your
attorney's time to help defend the audit.
Motor Vehicle Services. Owning a vehicle creates the
potential for many different problems. We have all
experienced minor accidents where we let our insurance
company sort out the issue with the other party.
However, who do you turn to if your car is vandalized in a
parking lot? What if items are missing from your car after
it being valet parked or run through the car wash? What if
a car nicks your car while it is parked on the street? What
if a car nicks your car while it is parked on the street and
the other driver is claiming it is your fault based on how
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Legal Shield ~ Supplemental Benefits for REFCO Members Page 4 of 6
you parked? And the police issue YOU a citation! And your
insurance company wants to raise your premiums
because of this! Incidents and accidents happen and
whether you were the at fault party or not, having an
attorney on your side can be crucial.
With Legal Shield, your attorney will be there to help you
deal with your insurance company. They will be able to
put you in a position of knowledge regarding the law and
your rights and may be able to file a lawsuit on your
behalf. If the unthinkable happens and you are involved
in a fatal car accident and charged with manslaughter,
involuntary manslaughter, negligent homicide, or
vehicular homicide, your attorney will defend you, no
matter how long it takes.
Trial Defense. There is no doubt that the United States is
a litigious country. We have more lawyers per capita than
any other county. A new civil lawsuit is filed once every 2
seconds in this country. Whether the suit has merit or is
frivolous, lawsuits can cause tremendous emotional and
financial stress.
With Legal Shield, if you or your spouse is named as a
defendant in a covered civil or criminal action, your
attorney will provide up to 60 hours of defense at no
additional cost to you.
Know Your Legal Rights. Understanding your rights is the
first step in resolving any issue. Whether it's personal,
business related, criminal, or anything in between, you
need to know your rights. The other side likely knows
their rights -especially if they have legal representation,
but will you know your rights?
With Legal Shield, access to no cost, quality, convenient,
legal help is only atoll-free phone call away.
Many people may feel that they will not need legal
counsel and honestly, not every legal matter requires the
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Legal Shield ~ Supplemental Benefits for REFCO I~Zembers Page 5 of 6
use of an attorney. However, a recent American Bar
Association survey showed that 71% of US households
had experienced an event during a 12 month period that
might have led them to hire a lawyer. Yet, it's no surprise
why only a small percentage of those households actually
contacted an attorney. A recent Legal Needs Study found
that the average rate charged by attorneys was $284 per
hour.
How often would you use an attorney's services if there
was no cost? Of Legal Needs Study respondents with a
legal benefits plan, 70% said they use the service 4 or
more times per year.
For less than 50~ per day, you will have no cost, full
unlimited access to the Legal Shield network of attorneys,
so that when an issue arises you will have a person who
will truly understand the extent of your situation and will
be versed in the legal aspects. You won't have to take
matters into your own hands and leave things to chance
like how to properly file court documents and handle
other legal procedures, or how to properly obtain
evidence to support your case, or to challenge and/or
suppress evidence from the other side. And best of all,
you won't have to pay several hundred dollars per hour
for their services.
For issues, such as pre-existing conditions, which are not
covered by your Legal Shield plan, your attorney will
provide services to you at a 25% discount off their
regular rates. Regular rates vary depending on the
complexity of the issue.
Legal Shield Monthly Premium
Retiree &Family ~ $14.95
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Legal Shield ~ Supplemental Benefits foi- REFCO Members Page 6 of 6
Add 24/7 Access Coverage for $1 more.
Have 24-hour access to an attorney if you're ever
arrested or detained, injured in a motor vehicle
accident, confronted with the state taking your children,
or served with a warrant.
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ID Theft Shield ~ Supplemental Benefits for REFCO Members Page 1 of 3
i~
REFCO Home
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SupplementalBenefits
Dental PPO
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Vision
Legal Shield
Identity TheftShieldIdentity Theft Tops Federal Trade
Commission List of Consumer
Complaints for 13th Consecutive Year!
ID Theft Shield Last year, there were about 370,000 home fires and most
Personal Accident people wouldn't think about going without homeowners
with Secure Travel insurance. Yet there were over 12,600,000 instances of
Comprehensive identity theft, but most people never think about having
Travel protection against identity theft or coverage for the costs
PPO Pet of repairing your credit.
HMO Pet Identity Theft is one of the most prevalent types of fraud
Home and Auto that affects seniors and it is only getting worse.
HearPO Unfortunately, most seniors don't find out that they are
victims of identity theft until it is too late and the damageLife Insurance
has been done.Questions
Supplemental Benefits for REFCO Members
Identity Theft Shield, offered through Kroll, the world's
leading independent risk consultant, gives you the ability
to understand your credit score and to protect your
identity and good name. Unlike most credit monitoring
programs, Identity Theft Shield's proactive approach not
only provides expert consultation on how to prevent
identity theft, but also provides comprehensive
restoration of your identity should a breach occur.
There are two Identity Theft Shield plans available to help
protect and restore your credit and good name. The
Standard Plan and the Premium Plan.
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ID Theft Shield ~ Supplemental Benefits for REFCO Members Page 2 of 3
Identity Theft Shield STANDARD Plan coverage
includes:
Credit Report from up-to-date data provided by
Experian, the leading credit reporting bureau.
Personal Credit Score with a detailed analysis of your
personal credit score with your first credit report.
Continuous Monitoring of your Experian credit file with
email alerts for any activity on your credit file.
Comprehensive Identity Restoration Service experts
will perform comprehensive ID restoration services on
your behalf, should you face an identity theft issue. They
will customize the solution and work on your behalf to
correct identity theft issues with affected agencies and
institutions. Fraud alert notifications will be sent to all
three national credit repositories for seven years and
proactive searches of local and national databases will be
conducted for any activity in your name that you may not
be aware of. Regardless of the length of time to
complete, your Identity Restoration Service expert will
work to resolve the identity theft issues and restore your
identity to pre-theft status.
Identity Theft Shield PREMIUM Plan coverage
includes all the benefits of the Standard Plan as
well as:
Triple Bureau Credit Monitoring and Activity Alert
In addition to Experian, both Equifax and TransUnion
credit reports will be monitored continuously and you will
receive an email alert if any activity occurs.
Web Watcher
The web is monitored daily for unauthorized use of your
Social Security and credit/debit card numbers, &other
personal information.
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ID Theft Shield ~ Supplemental Benefits for REFCO Members Page 3 of 3
Public Persona
Monthly monitoring of any changes to Social Security
Number or address history associated with your name.
Sex Offender Search
Sex offender databases are searched to detect the
location of sex offenders and whether a member's
address has been used by a registered sex offender.
Social Security Number Skip Trace
34,000,000,000 (34 billion) public records are searched
to detect potential fraud using your Social Security
Number.
Lost Wallet/Purse Assistance
When your wallet or purse is lost, you could spend days
contacting all the credit card companies or getting
replacements for your IDs. Kroll provides help with
canceling and replacing cards and IDs and with placing
fraud alerts.
Identity Theft Monthly Premium
Standard Plan Premium Plan
Retiree &Spouse: $12.95 Retiree &Spouse: $24.95
Receive a $3 discount Receive a $5 discount when
when purchased in addition purchased in addition to
to Legal Shield Legal Shield
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Personal Accident ~~ith Secure Travel ~ Supplemental Benefits for REFCO Members Page 1 of 2
~,.
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SupplementalBenefits
Dental PPO
Dental HMO
vision
Legal Shield
ID Theft Shield
Personal Accidentwith Secure Travel
_~
,... ~~.... f
Supplemental Benefits for REFCO Members
Personal Accident& Secure TravelThis coverage incorporates traditional
Personal Accidental Death &
Dismemberment benefits with a unique
Secure Travel rider. The Secure Travel rider kicks in and
provides special travel protection benefits when you are
traveling 100 miles or more from home.
Comprehensive Personal Accident Protection is available up to
Travel $500,000 for the member. Spouse / Domestic Partner
PPO Pet and dependent child coverage is also available.
HMO Pet Additional benefits may include:
Home and AutoUp to $25,000 for Home Alteration &Vehicle Modification.
HearPO
Life Insurance Up to $10,000 for rehabilitation expenses.
Questions Up to $37,500 for wearing a seatbelt and having a
properly functioning airbag.
Secure Travel Protection provides these following
special benefits:
• Medical Evacuation
• Legal Assistance
• Lost or Stolen Item Assistance
• Prescription Refill Assistance
• Medical &Dental Referrals
• Pre-Trip Planning
• Translation Services
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Personal Accident with Secure Tray-el ~ Supplemental Benefits for REFCO Members Page 2 of 2
• Emergency Cash Advances
• Repatriation
• Bail Bond Posting
• Emergency Message Relays
• 24 Hour Availability
Personal Retiree &
Accident Retiree Monthly
Family Monthly
Benefit Premium
premium
$100,000 $4.90 $6.60
$200,000 $9.80 $13.20
$300,000 $14.70 $19.80
$400,000 $19.60 $26.40
$500,000 $24.50 $33.00
Spouse /Domestic Partner benefit is at 50% of member
benefit (40% if any child is covered). Child benefit is 10%
of member benefit (15% if you are a single parent) -max
$30,000. Age reduction applies: Age 70: 65%; Age 75:
45%; Age 80: 30%
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Comprehensive Travel ~ Supplemental Benefits for REFCO Members
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Supplemental Benefits for REFCO Members
Travel InsuranceTrip Cancellation or Interruption and
Medical Coverage Available
A vacation is supposed to be a personal
reward to yourself for all your hard work. To provide you
will stress relief, relaxation, and quality time with loved
ones. However, when it comes to travel, the unforeseen
can happen without warning and can be very costly.
Comprehensive The sudden illness of a traveling companion or familyTravel
member, a natural disaster, inhospitable weather, orPPO Pet terrorism alters your traveling plans. Instantly, all the
HMO Pet money paid for a vacation vanishes. Travel insurance is
Home and Auto there to provide you peace of mind against the
unexpected.Hea rP0
Life Insurance Travel Guard comprehensive travel insurance is
questions customizable to meet your needs. Whether you're going
on a cruise, wildlife safari, resort vacation, tour package,
or just a quick self-booked trip, travel insurance can
protect you for a variety of circumstances. Coverage is
available for:
• Trip Cancellation to cover prepaid, nonrefundable
expenses.
• Missed Connection coverage for flight change fees or
transportation costs required to meet a missed
connection.
• Trip Interruption can pay for travel arrangements to
return home.
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Comprehensive Tra~-el ~ Supplemental Benefits for REFCO Members Page 2 of 2
• Medical coverage for bills if you become sick or
injured. Medicare and most insurance does not cover
you outside the US.
• Emergency evacuation to the nearest appropriate
care facility.
• Baggage Delay/Loss coverage.
• Travel Delay covers flight delay, etc.
Comprehensive Travel Insurance
Rates are based on cost of trip and age of traveler.
Age Approximate Cost of Insurance
65 7% of Trip Cost
70 9% of Trip Cost
75 11% of Trip Cost
80 15% of Trip Cost
Visit Travel Insurance for a quote or call us for
assistance (800) 511-9065.
http://pgagencies.com/portal/refco/comprehensive-travel/ 7/7/2015
PPO Pet ~ Supplemental Benefits for REFCO Members
REFCO Home
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Supplemental Benefits for REFCO Members
~,
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PPO PetInsurance
Available for Dogs, Cats, Birds, &Exotic
Animals
We spend over $55 billion per year to take care of our
cuddly companions. As pet parents, we want to provide
them with the best possible care. Unfortunately, from a
routine check-up to an unexpected illness or accident, vet
bills can add up quickly.
With VPI, the nation's oldest pet insurance company, you
can have coverage for both the routine, as well as the
unexpected vet bills. Instead of worrying about the cost,
you can focus on what is really important, following your
vet's recommended course of treatment.
Life Insurance Multiple plans are available for your specific needs and
Questions benefits are paid on a set benefit schedule. You may see
any vet or specialist.
Major Medical Plan Comprehensive is a safety net for big
vet bills, with the most comprehensive protection and
highest level of benefits.
Medical Plan Economical provides coverage for accidents,
emergencies, illnesses, and ongoing conditions at great
value.
Injury Plan provides low-cost coverage for injuries only
(like poisonings and broken bones), but not medical
conditions.
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PPO Pet ~ Supplemental Benefits for REFCO Members Page 2 of 2
Feline Select0 Plan is affordable coverage designed for
cats and covers accidents &illnesses, including coverage
for the 15 most common cat conditions, without the
expense of a comprehensive plan.
Wellness Plans may include coverage for exams,
vaccinations, FeLV/FIV, heartworm, fecal tests, urinalysis,
dental cleaning, spay/neuter, deworming, nail trim,
microchip implant, health certificate, flea / heartworm
control, blood test, x-ray, or EKG.
Est. MonthlyVeterinary Pet Insurance Plan
Premium
Major Medical Plan $24
Comprehensive
Medical Plan Economical $19
Injury Plan $11
Feline Select Plan $11
Wellness Plans $13-$24
For more information or to enroll at the discounted REFCO
rates, call VPI directly at (877) 738-7874 and mention
you are a REFCO member or visit:
www. peti n su ra nce. com / refco
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HMO Pet ~ Supplemental Benefits for REFCO Members
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Supplemental Benefits for REFCO Members
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HMO PetInsurance
HMO Pet Care
by United Pet Care
Available for Dogs, Cats, Birds, Rabbits,
Ferrets, Pocket Pets, &Reptiles
United Pet Care is a veterinary discount program. Unlike
some pet insurance plans, all pets are eligible for
coverage regardless of age and pre-existing or breed
specific conditions. Pet owners are guaranteed instant
savings of 20%-50% off office visits, exams, surgery,
hospitalization, vaccines, spaying/neutering, diagnostics,
radiology, dentistry, and all other preventative and sick
care procedures. Medication is also discounted 20%-25%.
Home and Auto Saving money with United Pet Care is easy. There are no
HearPO deductibles, no claim forms to fill out, no waiting periods,
Life Insurance no exclusions or higher rates for pre-existing conditions,
Questions no limit on the number of vet visits, and most
importantly, no hassles. Your pet may enroll regardless of
their age or medical condition.
Pet parents select from a network of conveniently located
veterinary providers. The network is nationwide and has
well over 1,800 quality vets to choose from. You start
saving money from day one!
Members will also receive discounts at numerous pet
places including those for: Pet Foods, Natural Foods,
Grooming, Accessories, Products, Supplies, Boarding
Kennels, Doggie Daycare, Pet Sitting, Dog Walking,
Training-Obedience, Herbs, Supplements, &Medications.
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HMO Pet ~ Supplemental Benefits for REFCO Members Page 2 of 2
Participating Providers in Fresno County Area
Alta Animal Hospital
585 W Shaw Ave
Clovis, (209) 298-6509
Pet Medical Center and Spa
621 W Fallbrook Ave
Fresno, (559) 436-4444
New Village Pets
9240 S McCall
Kingsburg, (559) 896-5300
Kings River Vet Hospital
819 I St
Reedley, (559) 638-8252
United Pet Care Monthly Premium
1 Pet $8.75 - $10.60
2 Pets $16.60 - $20.20
3 Pets $24.30 - $29.60
To enroll or for more information: Call United Pet Care at
(888) 781-6622 and mention you are an REFCO member
or visit: www.unitedpetcare.com/refco
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Home and Auto ~ Supplemental Benefits for REFCO Members
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Supplemental Benefits for REFCO Members
Home and Auto
Liberty MutualHomeowners, Car, Renters,
Condominium, Landlord, Personal
Liability, &Flood Insurance
As a REFCO member, our exclusive partnership with
Liberty Mutual allows you to take advantage of special
discounted group rates that could save you hundreds of
dollars a year. Liberty Mutual offers coverage for:
Comprehensive Homeowners Insurance - We know how importantTravel
your home is. It's your family headquarters, yourPPO Pet sanctuary, and the hub of all activity. A homeowners
HMO Pet policy can protect your home and possessions against a
Home and Auto variety of losses including fire, theft, vandalism, plumbing
failure, and much more. Liability coverage can beHearPO
included so that if someone is accidentally injured or hasLife Insurance property damaged while on your premises, Liberty Mutual
Questions will defend any claims against you and pay those claims
up to your policy limits. We'll also pay for reasonable and
necessary medical expenses up to the limit you
purchased, regardless of who was at fault.
Renters Insurance -Your landlord likely has insurance
to protect the building you live in, but that doesn't protect
you and your belongings. Renters insurance protects the
possessions that matter to you, at home and away, and
also provides limited personal liability coverage.
Condominium Insurance - As a condo owner, your
HOA's insurance won't cover the interior of your unit,
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Home and Auto ~ Supplemental Benefits for REFCO Members Page 2 of 3
your personal possessions, or personal liability. We'll
provide the affordable coverage you need.
Landlord Insurance - As a landlord, renting out your
investment property is stressful enough. With Landlord
Insurance, you'll have one less thing to worry about.
Rental property insurance protects your property from
damages and loss of income should covered damages
make your property unlivable.
Personal Liability Protection -You don't have to be a
millionaire to be sued fora million dollars. A serious
accident or mishap on your property could trigger a costly
jury award. Umbrella Insurance protects your assets from
large verdicts or settlements due to a covered accident,
with additional coverage beyond the limits on your other
policies.
Flood Insurance -You don't need to live near water to
need flood insurance. Floods can be caused by storms,
hurricanes and even melting snow. Flood damage is not
covered under homeowner policies. Liberty Mutual offers
Flood Insurance through the federal government's
National Flood Insurance Program.
Mobile Home Insurance -Protect your mobile home
from unexpected damages.
Car Insurance -Liberty Mutual has you and your wheels
covered with a variety of auto insurance options. They
will make sure you have the right coverages for you and
your car.
Coverages can include Collision, Comprehensive, Bodily
Injury Liability, Property Damage Liability, Medical
Payments, Injury Protection, Uninsured / Underinsured
Motorists.
We believe responsible drivers deserve more than just
basic coverage; that's why we provide additional benefits
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Home and Auto ~ Supplemental Benefits for REFCO Members Page 3 of 3
including: Accident Forgiveness, New Car Replacement,
Unlimited Rental, and Lifetime Repair Guarantee.
Multi-Policy Discount -Save on your home insurance
when you insure your home and car with Liberty Mutual.
Liberty Mutual has been helping people live safer, more
secure lives since 1912. They operate in all 50 states and
are among the Fortune 100 largest U.S. corporations. As
a leading provider of car, home and life insurance, they
offer competitive rates and hassle free service.
Policies are tailored to meet your specific needs. A Liberty
Mutual representative can explain your options in clear
terms and recommend the best match for you -whether
you need to protect your car, home, watercraft or
motorcycle.
Liberty Mutual
For a quote, visit: www.libertymutual.com/refco
or call: (800) 524-9400. You Must Mention Group
119504 in order to get the special REFCO discounted
rates.
Disclaimer: Coverages may not be available in all 50
states and may vary. Discounts and savings are available
where state laws and regulations allow, and may vary by
state. Certain discounts apply to specific coverages only.
To the extent permitted by law, applicants are individually
underwritten; not all applicants may qualify.
http://pgagencies.com/portal/refco/home-and-auto/ 7/7/2015
HearPO ~ Supplemental Benefits for REFCO Members
REFCO Home
Disclaimer
SupplementalBenefits
Dental PPO
Dental HMO
Vision
Legal Shield
ID Theft Shield
Personal Accidentwith Secure Travel
ComprehensiveTravel
PPO Pet
HMO Pet
Home and Auto
HearPO
Life Insurance
Questions
Page 1 of 2
Supplemental Benefits for REFCO Members
HearPOHearing BenefitHearPO Summer Newsletter
A Johns Hopkins University School of Medicine study
found that 63% of people over age 70 have hearing loss.
Yet, only about 20% used a hearing aid. Unfortunately,
denial and embarrassment are the main reasons cited for
not getting a hearing aid.
Hearing impairment lowers the overall quality of life for
those suffering from it. People with untreated hearing loss
suffer more from depression and social isolation
compared to those of similar age who wear hearing aids.
It can also cause Auditory Deprivation, which is a
decrease in speech understanding resulting from a
hearing loss.
The good news is that clinical studies have shown that
when hearing aids are properly fitted, they significantly
improve the overall quality of life for their users. Many
hearing aids are virtually invisible and still deliver
outstanding performance in challenging environments.
HearPO has partnered with REFCO to offer a FREE hearing
aid discount program. Benefits include:
• 40% off hearing testing and diagnostics.
• Approximate savings of 25% off hearing aids
including Resound, Starkey, Siemens, and more.
http://pgagencies.com/portal/refco/hearpo/ 7/7/2015
HearPO ~ Supplemental Benefits for REFCO Members Page 2 of 2
• Hearing aid low price guarantee. We beat local
quotes by 5%!
• Free one year supply of batteries.
• One-year free follow-up care.
• Risk-free 60-day, 100% money-back satisfaction
guarantee.
• 3-year warranty -one of the longest in the industry.
• Convenient hearing clinics near you.
• Financing available.
HearPO Premium
Retiree +Family FREE
To take advantage of this free program, call HearPO
directly at (877) 846-7075and let them know you're an
REFCO member. They will assist you and explain the
process.
http://pgagencies.com/portal/refco/hearpo/ 7/7/2015
Life Insurance ~ Supplemental Benefits for REFCO Members Page 1 of 2
.tr ~! ~,3. ~~..~.,.
REFCO Home
Disclaimer
SupplementalBenefits
Dental PPO
Dental HMO
Vision
Legal Shield
ID Theft Shield
Personal Accidentwith Secure Travel
ComprehensiveTravel
PPO Pet
HMO Pet
Home and Auto
HearPO
Life Insurance
Questions
Age
Monthly Rates -Female
~s,000 ~ ~io,000 ~ ~Zo,000
n
v
http://pgagencies.com/portal/refco/life/
Supplemental Benefits for REFCO Members
~...
life Insurance
Whole LifeInsuranceGuaranteed Issue - No Medical Exam
No one wants to burden their family
with outstanding debts, funeral costs and other bills
when they pass away. Ensuring these costs are taken
care of in advance can be your way of helping make
sure your family won't have to struggle to quickly come
up with cash.
MetLife's Guaranteed Issue Whole Life Insurance is-an
easy and affordable way to provide financial stability for
your loved ones. Coverage face amounts of $5,000,
$10,000 and $20,000 are available. This plan was
specially designed for those age 55 and older.
Unique plan features include:
• Guaranteed issue and guaranteed renewable for
life.
• Does not require a medical exam or underwriting.
Level premiums for the life of the policy.
• Simplified application process.
7/7/2015
Life Insurance ~ Supplemental Benefits for REFCO Members Page 2 of 2
55 $25 $48.50 $95.50
60 $29.50 $57.50 $113.50
65 $35.50 $69.50 $137.50
70 $45 $88.50 $175.50
75 $60 $118.50 $235.50
If the insured dies other than by accident within the first
two years, the beneficiary will receive a limited graded
death benefit of 110% of premiums paid. After two years,
full death benefits will be paid for any cause of death.
Coverage is not in force until MetLife has confirmed
enrollment in writing. Rates will be based on your age at
the coverage effective date. Coverage cannot begin
earlier than January 1, 2014.
< >
http://pgagencies.com/portal/refco/life/ 7/7/2015
Questions ~ Supplemental Benefits for REFCO Members
REFCO Home
Disclaimer
SupplementalBenefits
Dental PPO
Dental HMO
Vision
Legal Shield
ID Theft Shield
Page 1 of 3
Supplemental Benefits for REFCO Members
~ 1,,~
Questions
EnrollmentDental, Vision, Legal Shield,
Identity Theft Shield, & Personal
Accident &Secure Travel
To enroll in one of the above plans, please contact Pacific
Group Agencies, Inc. at (800) 511-9065.
Personal Accident Pet Insurance and Comprehensive Travelwith Secure Travel
Comprehensive Call the REFCO Benefit Plan Administrator at (800) 511-Travel 9065.
PPO Pet$25,000 of Personal Accident & Secure Travel
HMO Pet provided to you at no cost by REFCO.
Home and AutoTo ensure you receive your $25,000 of Personal Accident
HearPO &Secure Travel coverage that is provided at no cost to
Life Insurance you by REFCO, please complete the enclosed Enrollment
questions Form and select the appropriate Member of Member &
Family box under Personal Accident &Secure Travel and
put $25,000 in the Benefit Amount box.
Contact Us
If you have questions or need assistance, please contact
the Plan Administrator at REFCO@pgagencies.com or call
(800) 511-9065.
Disclaimer
This website contains summaries and highlights of the
plans available. Certain wording has been shortened due
http://pgagencies.com/portal/refco/questions/ 7/7/2015
Questions ~ Supplemental Benefits for REFCO Members Page 2 of 3
to space limitations. Every attempt has been made to
ensure the wording in this booklet and any referred to
websites is accurate and factually represents the
coverages; however, mistakes can occur. This booklet is
not a Certificate of Insurance and nothing contained
herein, either written or implied, will change the terms of
the Certificates of Insurance. Additional exclusions,
limitations, and eligibility requirements may apply.
Insurance carriers have the right to change the rules,
regulations, terms of coverage, availability, and
guidelines that are placed on the application, policies, and
enrollment at any time. Rates change periodically
depending on the carrier, open enrollment for the carrier,
and the type of available insurance products.
An individual cannot assume they have effective
insurance coverage even if they have submitted an
application. An individual cannot assume that they have
coverage until the carrier has sent the individual a
verification of coverage with the appropriate effective
date.
It is the responsibility of the member to contact us
regarding any change in their status that affects the
ability to be insured under any of these plans. It is also
the responsibility of the member to confirm that they
have been enrolled in the correct plan and it is suitable
for their needs. Members must maintain membership in
REFCO in order to retain these benefits. Failing to
maintain membership in REFCO may result in the
termination of your coverage. Coverages may be
terminated should your check, checking account, or credit
card deduction stop for any reason.
These benefits are offered and administered through an
independent broker, Pacific Group Agencies, and not
REFCO. In promoting the health, well-being, happiness,
and continued productivity of its members, REFCO has
endorsed the offering of these benefits, but REFCO itself
http://pgagencies.com/portal/refco/questions/ 7/7/2015
Questions ~ Supplemental Benefits for REFCO Members Page 3 of 3
does not provide or administer any of these benefits, nor
does REFCO receive any financial compensation for their
sale.
FOR QUESTIONS ON THE PLANS OR THE ENROLLMENT
PROCESS, CONTACT THE PLAN ADMINISTRATOR,
PACIFIC GROUP AGENCIES, CA Lic. 0078489, AT: (800)
511-9065.
http://pgagencies.com/portal/refco/questions/ 7/7/2015
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BEFORE THE BOARD OF RETIREMENT
OF THE FRESNO COUNTY EMPLOYEES’ RETIREMENT ASSOCIATION
FRESNO COUNTY, CALIFORNIA
IntheM atterofAuthorizingR etireeP ayrollDeductionsfortheP aym entofVisionandDentalInsuranceT hroughtheS tateAssociationofCounty R etirem entS ystem s
))))
RESOLUTION
WHEREAS,Governm ent Code section 31452.5 authorizesthe R etirem ent Board to give
effect to arevocable w ritten authorization signed by aretired m em berorbeneficiary ofa
retired m em berentitled to aretirem ent allow ance orbenefit to deduct aspecified am ount
from theretirem entallow anceorbenefitpayableforavariety ofallow ed purposes;and
WHEREAS, Governm ent Code section 31452.5(a)(3) authorizes a deduction for
prem ium sforavision care program ordentalplan,approved by the board,forthe benefit of
theretiredm em berorhisorherdependents;and
WHEREAS,the S tate Association ofCaliforniaR etirem ent S ystem s(S ACR S ),ofw hich
FCER A isam em ber,hascontracted w ith Vision S ervice P lan (VS P )to offeravision care plan to
retired m em bersandtheirbeneficiaries;and
WHEREAS, the S tate Association of California R etirem ent S ystem s (S ACR S ) has
contracted w ith CIGN A Healthcare (CIGN A)to offeradentalplan to retired m em bersand their
beneficiaries;and
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WHEREAS,the R etirem ent Board w ishesto m ake these program savailable to retired
m em bersand their beneficiariesof the Fresno County Em ployees’ R etirem ent Association
(FCER A);
NOW, THEREFORE BE IT RESOLVED thattheBoard ofR etirem entofthe Fresno County
Em ployees’ R etirem ent Association hereby authorizes retired m em bers of FCER A, or
beneficiariesofretired m em bersentitled to retirem ent allow ancesorbenefitsfrom FCER A,to
direct paym ent ofprem ium sforthe acquisition ofvision care servicesand/oradentalplan
offered by S ACR S upon delivery ofarevocable w ritten authorization signed by the m em beror
beneficiary to FCER A; and that such revocable w ritten authorization w illbe m aintained by
FCER A.
AND, THEREFORE BE IT FURTHER RESOLVED thattheBoard ofR etirem entoftheFresno
County Em ployees’ R etirem entAssociation hereby directsthatsuch deductionsw illbe allow ed
w ithoutadditionalchargeby FCER A tothem em bersorbeneficiariesrequestingthedeductions,
subjecttofurtherreview andactionby theBoard ofR etirem ent.
Adopted at a regular m eeting of the Board of R etirem ent of the Fresno County
Em ployees’ R etirem entAssociation,heldonthe_____ day of____,2015,by thefollow ing
vote,tow it:
Ayes:
N ays:
Absent:
Abstain:
//
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BO AR D O FR ET IR EM EN T
By:____________________________S tevenJ.Jolly,Chair
Attest:
____________________________DonaldC.Kendig,CP A,S ecretary//
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BEFO R ET HEBO A R D O FR ET IR EM EN T
O FT HEFR ES N O CO U N T Y EM P L O YEES ’ R ET IR EM EN T A S S O CIA T IO N
FR ES N O CO U N T Y,CA L IFO R N IA
In the Matter of Authorizing Retiree PayrollDeductions for the Payment of Vision andDental Insurance Through the StateAssociation of County Retirement Systems
))))
R ES O L U T IO N
W HER EA S , Government Code section 31452.5 authorizes the Retirement Board to give
effect to a revocable written authorization signed by a retired member or beneficiary of a
retired member entitled to a retirement allowance or benefit to deduct a specified amount
from the retirement allowance or benefit payable for a variety of allowed purposes; and
W HER EA S , Government Code section 31452.5(a)(3) authorizes a deduction for
premiums for a vision care program or dental plan, approved by the board, for the benefit of
the retired member or his or her dependents; and
W HER EA S , the State Association of California Retirement Systems (SACRS), of which the
Fresno County Employees’ Retirement Association (FCERA) is a member, has contracted with
Vision Service Plan (VSP) to offer a vision care plan to retired members and their beneficiaries;
and
W HER EA S , the State Association of California Retirement Systems (SACRS) has
contracted with CIGNA Healthcare (CIGNA) to offer a dental plan to retired members and their
beneficiaries; and
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W HER EA S , the Retirement Board wishes to make these programs available to retired
members and their beneficiaries of the Fresno County Employees’ Retirement Association;
N O W ,T HER EFO R EBEIT R ES O L VED that the Board of Retirement of the Fresno County
Employees’ Retirement Association hereby authorizes retired members of FCERA, or
beneficiaries of retired members entitled to retirement allowances or benefits from FCERA, to
direct payment of premiums for the acquisition of vision care services and/or a dental plan
offered by SACRS upon delivery of a revocable written authorization signed by the member or
beneficiary to FCERA; and that such revocable written authorization will be maintained by
FCERA.
A N D,T HER EFO R EBEIT FU R T HER R ES O L VED that the Board of Retirement of the Fresno
County Employees’ Retirement Association hereby directs that such deductions will be allowed
with an additional charge by FCERA to the members or beneficiaries requesting the deductions,
not to exceed actual costs, subject to further review and action by the Board of Retirement.
Adopted at a regular meeting of the Board of Retirement of the Fresno County
Employees’ Retirement Association, held on the _____ day of ____, 2015, by the following
vote, to wit:
Ayes:
Nays:
Absent:
Abstain:
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BOARD OF RETIREMENT
By:____________________________Steven J. Jolly, Chair
Attest:
____________________________Donald C. Kendig, CPA, Secretary//
//
//
~, ,
~:Vision care
Diabetes is a national epidemic. One in 13 of al! Americans have diabetes, one in four have diabetes and
don't know it yet, and one in five are on their way to getting it.
V5P's Diabetic Eyecare P{us Program provides coverage of eyecare services specifically for ►nembers
with diabetic eye disease. The program expanded coverage to include services that target glaucoma and
age-related macular degeneration (AMD) --chronic eye conditions members with diabetes are at elevated
risk of developing. Members with diabetes can also receive preventive retinal screenings if they show no
signs of diabetic eye disease.
Eligible members can receive both routine and .fallow-up medical eyecare from their VSP Preferred
Provider—the provider who already knows their eyes best.
Effective July 2014, Diabetic Eyecare Program was added to the plan
- r 1 . .- . . -. . r
Now members can get even more value from their VSP benefit., VSP members will receive an extra $20 to
spend when they choose a featured frame brand like bebe0, ck Calvin Klein, Flexon0, Lacoste, Michael
Kors, Nike, Nine West, and more. The extra $20 will automatically be applied to their current frame
allowance by the VSP doctor, at no additional cost.
Effective January 2014 added to plan
V5P Probrietary &Confidential
~... -
TruHearing is offering all VSP members and their covered dependents free access ($108 value) to the
TruHearing MemberPiusO Program, which saves members up to $2,600 on a pair of hearing aids. Best of
ail, this program can be combined with a funded hearing aid benefit to reduce members' out-of-pocket
expense.
Effective January 2012, available to all VSP members and extended families
Members can receive a complete eye health experience with coverage for non-medically necessary retinal
imaging. Retinal screening uses advanced imaging systems to take pictures of the inside of the eye.
Retinal imaging helps VSP doctors assess the health of the retina and detect and manage such eye and
health conditions as glaucoma, diabetes, and macular degeneration. Finding retinal disorders as early as
possible can potentially prevent serious disease progression and even vision loss.
• Effective July, 2010 VSP guaranteed pricing for our members at $39
Finding the right eyecare prouider for you is important to your eye health and overall wellness. We put our
members first. That's why with the VSPO provider network, you have the freedom to choose local VSP
docfiors and participating retail chains, or an out-of-network
provider you already know and trust.
• Effective June, 2015 retail chains such as Costco, Pearle Vision, SVS Vision added to plan
G~ sr~; . ~ ~ ar
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3 ~~
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tom_ ~ ~
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4 ;10 Vision Care
if you have type 1 or type 2 diabetes, you can get both your routine
eyecare and follow-up diabetic eyecare services from your
VSP~ Vision Care doctor—the one who knows your eyes best.
People with diabetes often aren't aware they have diabetic eye
disease. That's because in the early stages of the disease, few
symptoms may appear until after damage has already occurred.
An annual eye exam from a VSP doctor can help prevent most
diabetes-related blindness.
VSP doctors take the time to get to know you and your eyes, They can
detect changes in your eye health from year to year. Your VSP doctor
can consult and coordinate with your primary care physician to ensure
you're getting the best care—keeping you and your eyes healthy.
You never need a referral and you pay only a copay for the diabetes-
related eyecare services.
Find the right VSP doctor for you. You'll find plenty to _^ _ _ __J
choose from at vsp.com or by calling 800.877.7195.
• Already have a VSP doctor? At your appointment, tell them VISIT VS~.cam to learn how diabetes
you have VSP. affecis your eyes and find gut how to
ThaYs it! Your VSP doctor will handle the rest. keep them he~ltl~y,
The VSP Diabetic Eyecare Plus Program coverage is oily available through a VSP doctor. This ,;- ~-
coverage is for diabetes-related eyecare services and doesn't cover routine eye exams. Contact `'" "' ' '`
your VSP doctor for an appointment to use your routine eyecare benefits.
02011 Vision Service Plan. Aii rights reserved.
VSP Is a registered vademark and VSP Diabetic Eyecare Pius Program is a service mark of Vision Service Plan. JOB#7933CM 70/11
Enjoy Law Prices on Hearing Aidsl
Like vision loss, hearing loss can have a huge impact on your gr~~g9~,~ ~o~, _r~ sends df ~~~~
quality of life. However, the cost of a pair of quality hearing aids
usually costs more than X5,000, and few people have hearing
aid insurance coverage.
TruNearing~ is making hearing aids affordable by providing exclusive savings
to all VSP~ Vision Care members. You can save up to X2,400 on a pair of
hearing aids with TruHearing pricing. What's mare, your dependents and even
extended family members are eligible, too.
In addition to great pricing, TruHearing provides you with: Here's how it works:
• Three provider visits for fitting, adjustments, and cleanings 1, Call TruHearing.• 45-day money back guarantee
• Three-year manufacturer's warranty for repairs and one-time loss Call 877.396.7194. You and
and damage your family members must
• 48 free batteries per hearing aid mention VSP.
2. Schedule exam.
Plus, with TruHearing you'll get: TruHearing will answer
• Access to a national network of more than 4,500 licensed hearing aid your questions and schedule
professionals a hearing exam with a• Straightforward, nationally fixed pricing on a selection of more than 90 Iocal provider.
digital hearing aids in 400 styles
• Deep discounts on replacement batteries shipped directly to your door 3. Attend appointment.
The provider will make a
Best of all, if you already have a hearing aid benefit from your health plan or recommendation, order the
employer, you can combine it with this program to max(mize the benefit and hearing aids through TruHearing
reduce your out-of-pocket expense. and fit them for you.
Learn more about this VSP Exclusive Member Extra at
vsp.truhearing.com. Or, call 877.396.7194 with questions.
Not made available by VSP in the state of Washington
The relationship between VSP and TruHearing is that of independent contractors. VSP makes no endorsement, representations or warranties
regarding any products or services offered by TruHearing, a third-party vendor. The vendor Is solely responsible for the products or services
offered by them. If you have any questions regarding the services offered here, you should contact the vendor directly.
X2014 Vision Service Plan. All rights reserved.VSP is a registered trademark of Vision Service Pian. All other brands or marks are the property of their respective owners.
JOB#17347CM 6/14
s
Vision care for Iife
October 2015
Dear FCERA Retiree or Beneficiary,
As a current member, you don't have to do a thing to keep your coverage through VSP. As the only nat~~7a1~not-for-profit in vision care, we're committed to your wellness over profit. With you as our focus, yo~~ c<;,~-~ cFunton VSP to provide you with a vision benefit that delivers the most value, the best care, and choicre:
• Value and Savings: You'll enjoy more value and the lowest out-of-pockets_. s. VSP mem ers ve areaverage of $330 per year!" Plus, get an extra $20 to spend on featured fr~r~e brands, like }ein,bebe~, Calvin Klein, Flexon~, Lacoste, Nike, Nine West, and more!
• High Quality Vision Care: With VSP, you'll get the highest level of air;;. ir~'~luding a ~:sio Exam~—the most thorough exam designed to detect conditions like dia~~~e5, ~gh bloom! pres e, and highcholesterol, along with other eye and health issues.
• Best Choice in Doctors and Eyewear: Receive eyecar~ c~~~ ~ ~ &wear ~; the lc< ,tic n that's right for you.Choose a VSP doctor or another provider you alread~s'.~nc~ acid trust: '~~ is t`vsp~.cam to see which locationscarry your favorite frame brands or for a list of ~rov~rl~rs near yon►.
Guaranteed Satisfaction: if you're not 100~~ ha~T~yx,vv~'li male it,~ glut. ~~,;,
c r ~' ti
Open Enrollment for volun~Cary benefits ~i~rou~~~ V~ ntar~ C~rut~'~v En ~F~lo~ees~ R~tir~ment Association isNovember 1 through November 30, 215:
Want to make a change or cancel your vera~e'~_t~n pr~ok lc~~ Qirn~1;% cl,~o~e from one of the convenientoptions below. Your changes viii! lie ~ffectiue Ja~=,uary 1, ~~C16. ,
• Complete the online err-g,i~~ r7t form at v~.com/gc/vca~a. ~~!`cm~itete and mai! the enclosed V5Penrollmentfiorm im the,~Qstaue-laid r~tc~r_n era~elcpe.
• Call 800.400,9 ~c- sak with vsp,t~"Fr~t~~c~ ~en~~.~ic _~ (~e~:sentatives are available Monday through Friday,5:00 a.m. to ~~:G~ i-~ r~~.: aturolav ?~^fl ate. to ~- ~~ F~.1~~ aid Sunday, 7:00 a.m. to 7:00 p.m. (Pacific Time).
Sincerely,
VSP Client Admimistr~,t;v~ 5~;rvices
~~A C R SSias; ~ ~ ,~ ~ of Countp Rciiremem 5rsteme
'eases i,~, national averages for comprehensive eye exams and most commonly purchased brands. Your actual savings will depend on the plan available to you, your copays,contribution Ievel, and whether your contribution is deducted from your paycheck pre-tax.
Your eyes deserve the best care fio keep them healthy year after year. Plus with VSP, you'll get a greatvalue on your eyecare and eyewear.
• Personalized Care. You'll get quality care that focuses on your eyes
and overall wellness through a We1lVision Exams from a VSP doctor.
Our doctors take the time to look for vision problems and signs of
other health conditions too. Pius, with a VSP doctor, your satisfaction
is guaranteed—if you're not 100% happy, we'll make it right.
• Great Eyewear. Choose the eyewear that's right for you and
your budget.
• Choice of Providers. You can choose any eye care provider—your
local VSP doctor, a retail chain affiliate, or any other provider.
,~ ~,~~'•
Without VSP 1@'GtF S~ f~' 'Coverage Oc~v ge
a~ a
Eye Exam $i54 ~~~~ 5~~ Copay
Frame $200-- - --i S20 ~opay
Bifocal Lenses ~1'~8
' Progressive Lenses ~f53 ! 51G~,
Anti-reflective Coating ~ ~11A 569_ ~: _
Member-only ~Annual Contnbu~ncn ~~~ 7 i
~ _`.___ _ __-- ~°:T'otai ~: _ X65 $
# ~~~. _ ___ _. _w__. _ _ __
,.Comparison based on national averages far c n ~ r_r.a~,sive eye _exams and most commonly purchased ~~~ s
~ i
~ ~.
`4~ .e
Choose one of these convenient options:
• On1inVisit VSP at vsp.c /gr~ffce~~a.
• Mait; Gor~np~ete and it th encivsedVSP ~~nrc311ment farm in stage-paid<r~turr~ ~velope.
~.- Pine: Call &00:~00.4'~69 to speak with
~:SP Mer~k~er S~°vices. Representativesare availab~~e t.^.on~ay through Friday,5:Gtl0 a.n~, t~~ 3;00 p.m.; Saturday, 7:00 a.m.~,s 8~`t3 n.ri~ ~-and Sunday, 7:00 a.m. to
~ 7,OOp.m~ {Pacific Time).
Fr ~ ~~~i classic styles to the latest designerfr"u;nes, you'11 find hundreds of options. Choosefrom featured frame brands, like Anne Klein,be ,Calvin Klein, Flexon~, Lacoste, Nike,fqi Vest, and more. Visit vsp.com to find a~~oct~~r ~•✓kcarries these brands.
,~;
~~a~~u up to an average of 50% on all-digitalhearing aids through TruHearing~. Visitspecialoffers.vsp.com/truhearing for details.
.~
FCERA and VSP provide you with an affordable eyecare plan.
Open Enrollment: 11/1/2015 -11/30/2015Effective Date: 1/1/2016Doctor Network: VSP Choice
Your Coverage with a V5P Provider
WeIlVision Exams •Focuses on your eyes and overall wellness
Prescription Glasses
Frame
Lenses
lens Enhancements
Contacts(instead of glasses)
Diabetic Eyecare PlusProgram
Extra Savings
_. ~~ k~ ~.r ;rr, - ,c r
{<
fi~1
~$1 x
^~..
$20 ~Y ~ , f J! -~r year
• $200 allowance for a wide selection of frames• $220 allowance on a featured frame brands. ~°• 20%savings on the amount over your allowance ~• $110 allowance at Costco
• Single vision, lined bifocal, and lined trifocal lea^yo-:• Polycarbonate lenses for dependent childrer
• Standard progressive lenses ~~5• Premium progressive lenses 'o95-5105
Custom progressive lenses X150-$175
• Average 20-25%savings on other inns er~h ,_~~~cn _ .t
_... ,..• $200 allowance for conta~~~ -i ~:~~tact lens exam ~fi'rir. ~ar~ t
evaluation) r• 15/o savings on a contact 1~::s cxari (fitting and% alp. ~ti~
~;
Services related t~ ~a+-al~_^~ eye disease, aucoi dage-related macular 3ec~eneration tinal ,;,~y ~r $20eligible ma~i!-~= :,nth diabetes. Lin~tio ~~d rd~r.~ -~n withmedioal as~-r rye rr:ay apply. Ask your ̀ P c~ct~ r i~-'c3eta+i ~.
~' ffvery plan year
Every plan year
Every plan year
Every plan year
As needed
Glasses and ~tnglasse~• ~~~;; s~~, ~ s :tl ~r ~ I ~!~:s i a ; I ~=~s, i~~,.iding lens enhancements, from the any VSP provider within
~1~mu+i~#iofyour - -t ~p~ _rc ~ .r,
Laser Vision ~orrecti~o• Average 15% ~*~ ~.~~ ~ ~ ~~lar price ~ .`'i,~ t'~c; promotional price; discounts only available from contracted facilities
~ _ _
Your Monthly ~iC~ ~i Member Oniy $20.53 Member +One $24.05 Member +FamilyContribution
c ` '~' Your Coverage with Other Providers -
Visit vsp.com for c ~~ ~~~ .,,i c; ~!an to see a provider other than a VSP provider.
Exam ............................_ ~ ..'~.ap r~ '~§ Single Vision Lenses..... up to $30 Lined Trifocal Lenses.... up to X65 Contacts.............._................ up to $105
Frame ..................„ _,,..- -~iF r 'b Lined Bifocal Lenses.....up to X50 Progressive Lenses............up to $50
.•1 I ~ud~r,' ~~' i ~i '- ~ F ~:~der< only C e sac. f ~ ~~ i. ~:ct to change In the event of a conflict between this iMormatron and your organization's coniractwith VSP
- tt t m+~~ ~t ~. 11 err r~d r .,=d on applie f-IC I v rne.~t r ~y ~ ~ by lgeaaon.
'Cover~~ : ~h a retail chain affiliate may be differen nc , _ .r benefit is acuva; visit vsp.com for details
U~ ~~cRsSias. ~ ,[C.uuuty Rctlrcrocm Scs~ema
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Vfsfon care for life "`~""""'"`"" "'
Keep your eyes healthy and your vision clear with VSP.
X2015 Vision Service Pian. All rights reserved.VSP, VSP Vision care for life, and WeIlVision Exam are registered trademarks, and VSP Diabetic Eyecare Plus Program is a service mark, of Vision Service Plan.Flexors is a registered trademark of Marchon Eyewear, Inc. Ail other brands and marks are the property of tfieir respective owners.
JOB#20787CM 4/15
Vision care for life
October 2015
Dear FCERA Retiree or Beneficiary,
Open Enrollment is here and it's time to enroll in your VSP benefit. As the only national not-for-profit in visioncare, we're committed to your wellness over profit. With you as our focus, you can count on VSP to provideyou with a vision benefit that delivers the most value, the best care, and choice.
• Value and Savings: You'll .enjoy more value and the lowest out-of-pocket costs. VSP members save anaverage of $330 per year!* Plus, get an extra $20 to spend on featured frame brands, like Anne Klein,bebe~, Calvin Klein; Flexon°, Lacoste, Nike, Nine West> and more! ,
• High Quality Vision Care: With VSP, you'll get the highest level of carte; inc luding a WeIlVision Exam~—the most thorough exam designed to detect conditions like diaber%~ , f ~~~:~}h blood pressure, and highcholesterol, along with other eye and health issues.
• Best Choice in Doctors and Eyewear: Receive eyecare ae~d eyew~-ar at the location that's right for you.Choose a VSP doctor, retail chain affiliate, or another prop^ ~r~rou already know and trust. Visit vsp.comto see which locations carry your favorite frame brands ryr f~~s a list of providers near you.
• Guaranteed Satisfaction: if you're not 100% happy,<tv~'~~ ,i,_~I«-,it right.~.
~ ~.'
Open Enrollment for voluntary benefits ttF~c~i~~r ̀ ~'cnt ,n~ ~ a~~~r ~f t~mployees' Retirement Association isNovember 1 through November 30, 2015. +=~ .~ ~~;~~e~a~~~~~~~~! be effective January 1, 2016.
You may enroll yourself and all eligit~le u~ p~~c~~ ~~ , r~'i x ~se from one of these quick and easy enrollment options:
• Comp{ete the online enrol(m,cr ~ fr~~~ dt v~.eorti/golvicera. Complete and mail the enclosed VSPenrollment form in the po~tac~~-~~Pd retur+a - ~~iope.
• Call 800.400.4569 to sp~~~.~vh VSP Member Services. Representatives are available Monday through Friday,5:00 a.m. to 8:00 p.m.: ~~4~:t~iay, 7:00 a.m. to 8:00 p.m.; and Sunday, 7:00 a.m. to 7:00 p.m. (Pacific Time).
Sincerely,
VSP Client Administrative Services
s., _ ,, ,rc~~,~~y a~u~~m~~~ sys«ms
•Based on national averages for comprehensive eye exams and most commoNy purchased brands. Your actual savings will depend on the plan available to you, your copays,contribution level, and whether your contribution is deducted from your paycheck pre-tax.
Why enroll in VSP? Your eyes deserve the best care to keep them healthy year after year. Pius with VSP,you'll get a great value on your eyecare and eyewear.
• Personalized Care. You'll get quality care that focuses on your eyes
and overafi wellness through a WeIlVision Exams from a VSP doctor.
Our doctors take the time to look for vision problems and signs of
other health conditions too. Plus, with a VSP doctor, your satisfaction
is guaranteed—if you're not 100% happy, we'll make it right.
• Great Eyewear. Choose the eyewear that's right for you and
your budget.
• Choice of Providers. You can choose any eye care provider—your
local VSP doctor, a retail chain affiliate, or any other provider.
Without VSP nth V~P~ '~Ku y'
Coverage Coverage ~v
Eye Exam 5154 I ~2P'Copay
~-Frame X200
------ S20 Cmpa~
Bifocal Lenses
Progressive Lenses
Anti-reflective Coating a
i X148-~-
15~ SyT i7~
~ ; ,X110 ~,, ~$69 t
Member-only NIA $i27Annual Contribution
i
Total .$765 5341
~~~Comparison based on national averages for comprehensive eye ~,exams and most commonly purchased brands
.~i ~ ~ 7r '~1~. [•~-~.`r :l d,`
t ~~.i ~ i ~~'
t~ r"• -~,
Choose one of these convenient options:
• Online: Visit VSP at vsp.comlgoifcera.
• Mail: Complete and mail the enclosedVSP enrollment form in the postage-paidr n envelope.
,- ̀ PFF~ne: Coil 800.400.4569 to speak with>;'FP Member Services. Representatives
s a e available Monday through Friday,q 5:00 a.m. to 8:00 p.m.; Saturday, 7:00 a.m.
to 8:00 p.m.; and Sunday, 7:00 a.m. to7:00 p.m. (Pacific Time).
;. ~ .v . :; z;~*
r,_
From classic styles to the latest designer~ frames, you'll find hundreds of options. Choose
from featured frame brands, like Anne Klein,bebe°, Calvin Klein, Flexon~, Lacoste, Nike,Nine West, and more. Visit vsp.com to find adoctor who carries these brands.
Save up to an average of 50% on all-digitalhearing aids through TruHearing~. Visitspecialolfers.vsp.comltruhearing for details.
€fig 9 ,
FCERA and VSP provide you with an affordable eyecare plan.
Open Enrollment: 11/1/2015 -11130/2015 - ~-Effective Date: 1/1/2016Doctor Network: VSP Choice
Your Coverage with a VSP Provider
4VeIlVision F~cam~ •Focuses on your eyes and overall wellness $20 Every plan year
Prescription Glasses
• $200 allowance for a wide selection of frames• $220 allowance on a featured frame brands Every plan yearFrame • 20%savings on the amount over your allowance $20• X110 allowance at Costco <~
Lenses •Single vision, lined bifocal, and lined trifocal lenses Every plan year• Polycarbonate lenses for dependent children
• Standard progressive lenses $55• Premium progressive lenses $95-$705
Lens Enhancements ♦ Every plan year• Custom progressive lenses r $150-$175• Average 20-25%savings on otfier lens enl~~.~'~ip~~~~.~ ~~~ ~s
Contacts $200 allowance for contacts and c ~~~~ - ~ ~ t;;r na,and
(instead of glasses) evaluation) Every plan year
• 15% savings on a contact le. r ,~ ~`~ -~! ,,-,i~,.::ton)
• Services related Yo diat~ '~ r;~ ~~ ~ ~ > `+~ ~ ~ ~~~ma and ,Diabetic Eyecare Plus age-related macular ~+ ~~.r ~ ,: r t?~ ~ ~-_:;final screening for X20 As neededProgram eligible members ~r:~;- ~~ E ~ ~ ;sand coordination with
medical cove 'qE ~::, ; ~ 1,. ~ ~ ,r r ~'~+sp doctor for details.
.o
Glasses aKd ~un5'^~sses , -• 20°P s~ -' ̀ ;~: qn additional glasses and sunglasses, including lens enhancements, from the any VSP provider within
Eactra Savings 12~~-~ ~ ~ f ~. ~ , t your last WeIlVision Exam
{~.3~~ Up on Correction'• Av~age 15% off the regular price or 5% off the promotional price; discounts only available from contracted facilities
Your Monthly $td.51 Member Onfy $20.53 Member +One $24.05 Member +FamilyContribution
Your Coverage with Other Providers
Visit vsp.com for details, if you plan to see a provider other than a VSP provider.
Exam ........................................ up to $45 Single Vision Lenses ..... up to X30 Lined Trifocal Lenses.... up to $65 Contacts................................ up to $105
Frame ...................................... up to X70 Lined Bifocal Lenses..... up to $50 Progressive Lenses............up to X50
VSP guanoice^ ~rver3ae tem V'SP providers only Coverage mtormatwn is subjeci to change. In the event of a conflict between this mformaaon and your organ¢ation's contract wnh VSP,
tf~e terms e.'tF < < -.tract •. II Frr:.-,~I. Based on applicable laws, benefits may vary by location.'Coveug~~ ~•:~ih ❑ ~e~ad c;,.n ~r,?rt~~ may be different Once your benefit is active, visa vspcom for details.
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P
Vision care for life
~lSeim > -~~ -. ~ ~ ~ . .~f Cw my Rctirenmm 5.~smms
Keep your eyes hea{thy and your vision clear with VSP. Enroll today.
X2015 Usion Service Plan. All rights reserved.VSP, VSP Vision care for life, and WeIlVision Exam are registered trademarks, and VSP Diabet(c Eyecare Plus Program is a service mark, of Vision Service Plan.Flexon is a registered trademark of Marchon Eyewear, Inc. All other brands and marks are the property of their respective owners
JOB#20786CM 4115
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