enrollment packet - d3r6ykwg1vinw8.cloudfront.net · 4. brca counseling about genetic testing for...
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The Boon Group ::: www.boongroup.com
>> ENROLLMENT IS HERE! << Dear The Hertz Corporation employee: We are pleased to announce a new medical benefit plan to all current employees and their families. Health care in America is changing, and The Boon Group is leading the way. As an employee of The Hertz Corporation, you have the option to enroll in the SmartMEC plan. SmartMEC is a new plan that offers you and your family affordable, minimum essential coverage and meets the requirements for minimum essential coverage under the Affordable Care Act (ACA). In combination with the SmartMEC plan, you may also enroll in the TransChoice® Advance Plan, a supplemental hospital indemnity insurance offered by Transamerica Life Insurance Company that provides a fixed dollar amount for certain services such as hospital stays and surgical care, physician office visits, lab/X-ray and prescription drugs. There are 2 options available for this plan. The details of these plans are contained in the attached enrollment materials along with the premium you will be charged for the insurance. Page 3 Overview
Page 4 SmartMEC Benefit Details
Page 9 TransChoice® Advance Hospital Indemnity Insurance Details
Page 17 Additional Benefit Details
>>> DEADLINE TO ENROLL: You must submit any form within 30 days of your date of hire. Your benefits will become effective the 1st of the month following 60 days of employment. Please use the enclosed enrollment form to add any eligible dependents and submit your form to your HR department, or you can fax your form to (512) 339-6662 Attn: Enrollment, or email your form to [email protected]. For additional questions regarding your plan, please contact Member Services at: (866) 868-4139. Representatives are available to assist you Monday through Friday 6 am – 7 pm and Saturday through Sunday 9 am – 12 pm, Central Time. Sincerely, Boon Administrative Services, Inc. Enrollment Services Team P.O. Box 9788 Austin, TX 78766 (866) 868-4139 www.boongroup.com
TransChoice® Advance with MEC Plan Benefit Overview
MEC Benefits
Plan Coinsurance
Individual Deductible
Individual Coinsurance Limit
Lifetime Maximum
ACA Required Preventive Care/Screening
HealthiestYou Telehealth Services
Minimal Individual Essential Coverage
TransChoice® Advance Fully-Insured Limited Medical Benefits Plan 1 Plan 2
Medical Outpatient
Physician Office Visit
Daily Benefit $60 $80
Maximum Days per Calendar Year 6 6
Lab and Diagnostic Testing
Daily Benefit - Outpatient Diagnostic Lab $10 $15
Maximum Days per Calendar Year 2 2
Daily Benefit - Outpatient Select Diagnostic Testing $50 $75
Maximum Days per Calendar Year 1 1
Daily Benefit - Outpatient Advanced Studies $200 $300
Maximum Days per Calendar Year 1 1
Prescription Drug Benefit
Daily Benefit - Generic $10 $20
Daily Benefit - Brand $20 $40
Combined Maximum Days per Month 2 2
Medical Inpatient
Daily In-Hospital Benefit
Daily Benefit $100 $250
Maximum days per confinement 31 31
Hospital Confinement Benefit
Daily Benefit $1,500 $2,500
Maximum Days per Calendar Year (Maximum 1 day per confinement) 1 1
Additional Benefits
Surgical & Anesthesia Indemnity Benefits
Inpatient Surgical Benefit per day of surgery (Limit 1 surgical day per calendar year) $500 $1,000
Outpatient Surgical Benefit per day of surgery (Limit 1 surgical day per calendar year) $250 $500
Outpatient Minor Surgical Benefit per day of surgery (Limit 1 surgical day per calendar year) $50 $100
When administerered Anesthesia pays an additional percent of surgical 30% 30%
Inpatient Mental and Nervous Disorder Benefit
Pays per day of confinement $100 $200
Maximum Days per Calendar Year (Maximum 60 days per lifetime) 31 31
Inpatient Drug or Alcohol Addiction Benefit
Pays per day of confinement $100 $200
Maximum Days per Calendar Year (Maximum 60 days per lifetime) 31 31
Accidental Injury Benefit (Maximum per day, 5 days per calendar year) $500 $500
First Health PPO Network Included Included
Employee Discount Card Included Included
Ancillary Benefits
Term Life with Accidental Death & Dismemberment
Employee Life and AD&D Benefits $10,000 $10,000
Spouse Life and AD&D Benefits $5,000 $5,000
Children Life Benefit $2,500 $2,500
Benefit Overview of plan features. Please see Plan Summary for detailed information about the benefits and exclusions and shall prevail over the terms of this benefit overview.
Included - See above and plan summary for benefits
100%
$0
$0
Unlimited
100%
Included
SmartMEC Plan Administered by Boon Administrative Services, Inc.
The Affordable Care Act mandates that most individuals have health insurance or potentially pay a penalty for non-compliance. Individuals are required to maintain minimum essential coverage (MEC) for themselves and their depen-dents. Benefit plans that meet these minimum essential requirements are known as MEC plans.
Minimum Essential Coverage covers 100% of the government’s listed Preventive and Wellness Benefits when you visit a network provider. Self-Insured by your employer, this coverage is designed to satisfy your individual mandate under the new health care law.
This enrollment packet contains a brief summary of benefits and services available to you for purchase through your employer. Limitations and exclusions apply.
SmartMEC Plan Administered by Boon Administrative Services, Inc.
Minimum Essential Coverage Plan — with DependentsThe following is a brief description of the benefits provided. For more detailed information and the frequency and ages for each benefit,please refer to the Schedule of Benefits.
This Plan intends to comply with the Patient Protection and Affordable Care Act’s (PPACA) requirement to offer coverage for certain preventive services without cost-sharing. To comply with PPACA, and in accordance with the recommendations and guidelines, the Plan will provide coverage for:
1. Evidence-based items or services rated A or B in the United States Preventive Services Task Force recommendations;2. Recommendations of the Advisory Committee on Immunization Practices adopted by the Director of the Centers for Disease
Control and Prevention; 3. Comprehensive guidelines for infants, children, and adolescents supported by the Health Resources and Services Administration
(HRSA); and4. Comprehensive guidelines for women supported by the Health Resources and Services Administration (HRSA).
Copies of the recommendations and guidelines may be found here: www.uspreventiveservicestaskforce.org/ or at www.healthcare.gov/preventive-care-benefits/
1. Abdominal Aortic Aneurysm one-time screening for men of specified ages who have ever smoked;
2. Alcohol Misuse screening and counseling;3. Aspirin use for men and women of certain ages;4. Blood Pressure screening for all adults;5. Cholesterol screening for adults of certain ages or at higher risk;6. Colorectal Cancer screening for adults over 50, including bowel
preparation medications, physician charges, facility charges, anesthesia charges, specialist consultation prior to preventive colonoscopy if recommended by attending provider and polyp biopsy associated with preventive colonoscopy.
7. Depression screening for adults;8. Type 2 Diabetes screening for adults with high blood pressure
and adults who are over weight;9. Diet counseling for adults at higher risk for chronic disease;10. Fall Prevention, to include physical therapy and Vitamin D
supplementation in community dwellings, ages 65+11. Hepatitis B screening for non-pregnant adults and adolescents12. Hepatitis C screening for adults at high risk
13. HIV screening for all adults at higher risk;14. Immunizations for adults--doses, recommended ages, and
recommended populations vary: Hepatitis A; Hepatitis B; Herpes Zoster; Human Papillomavirus; Influenza (Flu Shot); Measles, Mumps, Rubella; Meningococcal; Pneumococcal; Tetanus, Diphtheria, Pertussis; and Varicella
15. Lung Cancer screening for adults ages 55-80 who smoke 30 packs per year
16. Obesity screening and intensive, multicomponent behavioral interventions including counseling as specified in the Schedule of Benefits;
17. Prostate screening including exam and Prostate Specific Antigen (PSA) test for men age 40 and over
18. Sexually Transmitted Infection (STI) prevention counseling for adults at higher risk;
19. Syphilis screening for all adults at higher risk;20. Tobacco Use screening for all adults and cessation interventions for
tobacco users; 21. Well Adult Routine Physical Exams.
Preventive Care Services for Adults Charges for covered Preventive Services as listed below:
1. Alcohol Misuse screening and counseling for adolescents;2. Autism screening for Children at 18 and 24 months;3. Behavioral assessments for Children of all ages as specified in the
Schedule of Benefits;4. Blood Pressure screening for Children as specified in the Schedule
of Benefits;5. Cervical Dysplasia screening for sexually active females;6. Congenital Hypothyroidism screening for newborns;7. Depression screening for adolescents ages 11 – 18 as specified in
the Schedule of Benefits;8. Developmental screening for Children as specified in the Schedule
of Benefits;9. Dyslipidemia (Cholesterol) screening for Children at higher risk of
lipid disorders as specified in the Schedule of Benefits;10. Fluoride Chemoprevention as specified in the Schedule of Benefits;11. Gonorrhea preventive medication for the eyes of all newborns;12. Hearing screening for all newborns;13. Height, Weight and Body Mass Index measurements for children as
specified in the Schedule of Benefits;14. Hematocrit or Hemoglobin screening for Children;15. Hemoglobinopathies or sickle cell screening for newborns;16. HIV screening for adolescents at higher risk;17. Immunizations for Children from birth to age 18 - doses,
recommended ages, and recommended populations vary: Diphtheria, Tetanus, Pertussis; Haemophilus influenza type b; Hepatitis A; Hepatitis B; Human Papillomavirus; Inactivated
Poliovirus; Influenza (Flu Shot); Measles, Mumps, Rubella; Meningococcal; Pneumococcal; Rotavirus; and Varicella
18. Iron supplements for Children ages 6 to 12 months at risk for anemia;
19. Lead screening for children at risk of exposure;20. Medical History for all children throughout development as specified
in the Schedule of Benefits;21. Obesity screening and counseling as specified in the Schedule of
Benefits;22. Oral Health risk assessment for young Children as specified in the
Schedule of Benefits23. Phenylketonuria (PKU) screening for this genetic disorder in
newborns; 24. Prenatal and related preventative care related to the pregnancy of a
dependent child;25. Sexually Transmitted Infection (STI) prevention counseling and
screening for adolescents at higher risk;26. Skin cancer behavioral counseling for children 10-24 who have
fair skin27. Tobacco screening, counseling and cessation interventions for
children and adolescents28. Tuberculin testing for children at higher risk of tuberculosis (ages: 0
to 11 months, 1 to 4 years, 5 to 10 years, 11 to 14 years, 15 to 17 years); and
29. Vision screening for all Children.
Preventive Care Services for ChildrenCharges for covered Preventive Services as listed below:
SmartMEC Plan Administered by Boon Administrative Services, Inc.
1. Anemia screening on a routine basis for pregnant women;2. Aspirin for treatment of pre-eclampsia in pregnant women;3. Bacteriuria urinary tract or other infection screening for
pregnant women;4. BRCA counseling about genetic testing for women at higher
risk;5. Breast Cancer Mammography screenings every year for women
over 40;6. Breast Cancer Chemoprevention counseling for women at
higher risk;7. Breastfeeding comprehensive support and counseling from
trained providers, as well as the purchase of breast pumps, for pregnant and nursing women;
8. Cervical Cancer screening for sexually active women;9. Chlamydia Infection screening for younger women and other
women at higher risk;10. Contraception: Food and Drug Administration-approved
contraceptive methods, sterilization procedures (including facility charges, physician charges and anesthesia charges), and patient education and counseling, not including abortifacient drugs;
11. Depression screening for pregnant and postpartum women as provided in the schedule of benefits
12. Domestic and interpersonal violence screening and counseling for all women;
13. Folic Acid supplements for women who may become pregnant;14. Gestational diabetes screening for women 24 to 28 weeks
pregnant and those at high risk of developing gestational diabetes;
15. Gonorrhea screening for all women at higher risk;16. Hepatitis B screening for pregnant women at their first prenatal
visit;17. Human Immunodeficiency Virus (HIV) screening and counseling
for sexually active women;18. Human Papillomavirus (HPV) DNA Test: high risk HPV DNA
testing every three years for women with normal cytology results who are 30 or older;
19. Osteoporosis screening for women; 1 time per year, women age 65 years and older; 1 per year for younger women if recommended by a physician.
20. Rh Incompatibility screening for all pregnant women and follow-up testing for women at higher risk;
21. Tobacco Use screening and interventions for all women, and expanded counseling for pregnant tobacco users;
22. Sexually Transmitted Infections (STI) counseling for sexually active women;
23. Syphilis screening for all pregnant women or other women at increased risk; and
24. Well-woman visits to obtain recommended preventive services, including prenatal visits as specified in the Schedule of Benefits.
Preventive Care Services for Women, Including Pregnant WomenCharges for covered Preventive Services as listed below:
Limitations and ExclusionsSome health care services are not covered by the Plan. The following is an example of services that are generally not covered. See plan documents for a complete description of benefits, exclusions, limitations and conditions of coverage.
Any medical service, treatment, or procedure not specified as covered under this Plan.
Charges for the treatment of illness or disease, or charges other than those that are:
• Evidence-based items or services rated A or B in the United States Preventive Services Task Force recommendations;• Recommendations of the Advisory Committee on Immunization Practices adopted by the Director of the Centers for Disease Control
and Prevention; • Comprehensive guidelines for infants, children, and adolescents supported by the Health Resources and Services Administration
(HRSA); and• Comprehensive guidelines for women supported by the Health Resources and Services Administration (HRSA).
And don’t forget to
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SHOP & PRICE PROCEDURESDo you need an MRI or an Ultrasound? Our app puts you in the driver’s seat by providing a vehicle to search and price procedures in your direct area. Happy shopping!
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LOCATE PROVIDERSNeed to search for a doctor, dentist, or other provider? Our app knows best and will easily lead you through the process. You can
SYNC YOUR MEDICAL BENEFITSOur app provides you a one stop shop to view your medical plan deductible in real time. Easily shop and book in-network and out- of-network providers for medical, dental, vision, and specialists.
HEALTH MANAGEMENT CONTENT Are you stressed? Let HealthiestYou guide you to improved health and happiness with relevant health content delivered at the time of need.
Your healthcare just got a whole lot easier!With HealthiestYou you can connect to a doctor, get treatment, and get
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Click Register Now to
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--Note, the app
registration is separate
from the online member
portal registration
If you have your insurance
card handy, select “I have
my Insurance info”. You
can enter your insurance
information later too.
- Accept the Terms &
Conditions”
- Click Create Account
Step 3: Setup the app
How to get started with HealthiestYou:
With HealthiestYou you can connect to a doctor, get treatment, and get
prescriptions, 24 hours a day, 7 days a week over the phone or via the
mobile app. Using HealthiestYou can SAVE YOU TONS OF MONEY and
no more sitting around in waiting rooms. And best of all, it’s FREE
Head on over to member.healthiestyou.com and register for the member portal. Here you’ll
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Search and download “HealthiestYou” or “HY” in the app store
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Open up the app and push the button to connect with
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Step 2: Download the app
Step 4: Use HealthiestYou next time you’re sick
Step 1: Setup your member portal
Select and enter the
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No smartphone or internet? No problem, simply call to talk to a doctor
866.703.1259
TransChoice® Advance Group Hospital Indemnity Insurance
Flexible benefits to help manage your health care expenses
TransChoice Advance® Hospital Indemnity Insurance policy pays an amount for each day the insured is hospitalized up to specific maximum limits. Benefits for other services may be payable through a series of riders. See product detail pages for more information.
Benefits may be assigned to the provider to help with the cost of care or paid directly to the insured. • Benefits for employees and eligible dependents• Benefits paid in addition to other insurance a person may have• Waiver of pre-existing condition limitations• Portability option allows team members to keep insurance after they retire or leave the job
Product Highlights • No physicals or blood work• No waiting period• Individual and family options available• No coinsurance, co-pays or deductibles• Payroll deducted
THIS IS NOT MAJOR MEDICAL INSURANCE AND IS NOT A SUBSTITUTE FOR MAJOR MEDICAL INSURANCE. IT DOES NOT QUALIFY AS MINIMUM ESSENTIAL HEALTH COVERAGE UNDER THE FEDERAL AFFORDABLE CARE ACT. PURCHASING THIS POLICY ONLY WILL NOT SATISFY THE FEDERAL REQUIREMENT THAT INDIVIDUALS HAVE HEALTH COVERAGE.
Up to date information regarding our compensation practices can be found in the Disclosures section of our website at: www.tebcs.com
This is a brief summary of TransChoice® Advance Hospital Indemnity Insurance underwritten by Transamerica Life Insurance Company, Cedar Rap- ids, Iowa. Policy Form Series CPGHI400 AND CCGHI400. Forms and form numbers may vary. Insurance may not be available in all jurisdic- tions. Limitations and exclusions apply. Refer to the policy and riders for complete details.
TransChoice® Advance
Offered by Transamerica Life Insurance Company
The following benefits are included in the plan quoted. Unless otherwise noted, all benefits and maximums are per insured person.
Daily In-Hospital Indemnity Policy Plan 1 Plan 2
Pays each day an insured person is confined to a hospital (but not an emergency
room, outpatient stay or stay in an observation unit) as the result of a covered
accident or sickness.
$100 $250
Maximum 31 days per
confinement
31 days per
confinement
Additional Benefits Included:
Hospital Confinement Indemnity Benefit Rider (Rider Form Series CRHA0400)
Pays each day an insured person is confined to a hospital (but not an emergency
room, outpatient stay or stay in an Observation unit) as the result of a covered
accident or sickness lasting a minimum of 24 continuous hours from time of
admission. Pays maximum of 1 day per confinement.
$1,500 $2,500
Calendar Year Maximum 1 day 1 day
Inpatient Mental & Nervous Disorder Indemnity Benefit Rider (Rider Form Series CRMN0400)
Pays each day an insured person is confined, on an inpatient basis, to a hospital or
mental health facility for a minimum of 24 continuous hours as the result of a
mental or nervous disorder. Mental or nervous disorder includes neurosis,
psychoneurosis, psychopathy, psychosis, or other mental or emotional disease or
disorder of any kind.
$100 $200
Maximum 31 days per calendar year |
60 days per lifetime
Inpatient Drug & Alcohol Addiction Indemnity Benefit Rider (Rider Form Series CRDA0400)
Pays each day an insured person is confined, on an inpatient basis, to a hospital or
residential treatment facility for a minimum of 24 continuous hours as the result
of drug or alcohol addiction.
$100 $200
Maximum 31 days per calendar year |
60 days per lifetime
Surgical & Anesthesia Indemnity Benefit Rider (Rider Form Series CRSRGP00)
Pays each day an insured person undergoes surgery, as follows:
Inpatient Surgery $500 $1,000
Calendar Year Maximum 1 day
Outpatient Surgery $250 $500
Calendar Year Maximum 1 day
Outpatient Minor Surgery $50 $100
Calendar Year Maximum 1 day
If anesthesia is administered, pays an additional 30% 30%
Off-the-Job Accidental Injury Indemnity Benefit Rider (Rider Form Series CRACIN00)
Pays each day an insured person receives treatment for a covered accident.
Treatment must be provided by a physician within 96 hours of the accident. $500 $500
Maximum 1 day per accident |
5 days per calendar year
Outpatient Physician Office Visit Indemnity Benefit Rider (Rider Form Series CROPV400)
Pays each day an insured person receives outpatient treatment in a physician’s
office or at an urgent care facility as the result of a covered accident or sickness. $60 $80
Calendar Year Maximum 6 days 6 days
TransChoice® Advance
Offered by Transamerica Life Insurance Company
Outpatient Diagnostic Laboratory Test Indemnity Benefit Rider (Rider Form Series CRLAB400 )
Pays each day an insured person undergoes an outpatient laboratory test
performed for the purpose of diagnosis for a covered accident or sickness. Does
not include tests covered under any other rider.
$10 $15
Calendar Year Maximum 2 days 2 days
Outpatient Select Diagnostic Test Indemnity Benefit Rider (Rider Form Series CRSDT400)
Pays each day an insured person undergoes an outpatient X-ray, ultrasound,
Electroencephalogram (EEG), or sleep study for the purpose of diagnosis for a
covered accident or sickness.
$50 $75
Calendar Year Maximum 1 day 1 day
Outpatient Advanced Studies Diagnostic Test Indemnity Benefit Rider (Rider Form Series CRASD400)
Pays each day an insured person undergoes an outpatient Computer Tomography
(CT) Scan, Magnetic Resonance Imaging (MRI), Myelogram, Positron Emission
Tomography (PET), Angiogram, Arteriogram, or Thallium Stress Test for the
purpose of diagnosis for a covered accident or sickness.
$200 $300
Calendar Year Maximum 1 day 1 day
Prescription Drug Indemnity Benefit Rider (Rider Form Series CRRX0400)
Pays each day an insured person fills a Generic prescription, prescribed as a result
of a covered accident or sickness. $10 $20
Pays each day an insured person fills a Brand name prescription, prescribed as a
result of a covered accident or sickness. $20 $40
Combined Maximum 2 Days per
Calendar Month
2 Days per
Calendar Month
Additional Included Insurance Policies:
Group Term Life Insurance with Accidental Death & Dismemberment
(Policy Form Series CP100200 and CC100400)
Pays a death benefit when an insured person dies: Employee $10,000 $10,000
Spouse $5,000 $5,000
AD&D Not available to dependent children. Children $2,500 $2,500
Non-Insurance Benefits
PPO Network Offered by the Boon Group First Health First Health
Employee Discount Card Offered by New Benefits, Ltd. Included Included
Optional TransChoice® Advance Offered by Transamerica Life Insurance Company
Product Details Confinement for the same or related condition within 30 days of discharge will be treated as a continuation of the prior confinement. Successive confinements separated by more than 30 days will be treated as a new and separate confinement.
Off-the-Job Accidental Injury Indemnity Benefit Rider Does not pay benefits for injuries which are caused by an accident that occurs while in the course of any legal or illegal occupation, activity, or
employment for pay, benefit or profit.
Surgical and Anesthesia Indemnity Benefit Rider As an exception to the dental care or treatment exclusion above, we will pay the following dental or oral surgery procedures under this rider:
• excision of impacted third molars
• closed or open reduction of fractures or dislocation of the jaw.
Skilled Nursing Indemnity Benefit Rider We will not pay benefits under this benefit if the confinement is located in a facility outside the United States or its territories, or is rendered in a
facility owned or managed by an immediate family member.
Critical Illness Indemnity Benefit Rider Invasive Cancer does not include: Carcinoma in Situ; pre-malignant conditions or conditions with malignant potential; prostatic cancers which
are histologically described as TNM Classification T1 (including T1(a) or T1(b), or of other equivalent or lesser classification); any malignancy
associated with the diagnosis of HIV; or Skin Cancer. Skin Cancer does not include malignant melanoma or mycosis fungoides. Stroke does not
include cerebral symptoms due to: Transient Ischemic Attack (TIA); reversible neurological deficit; migraine; cerebral injury resulting from trauma
or hypoxia; or vascular disease affecting the eye, optic nerve or vestibular functions. The Subsequent Critical Illness Benefit is not payable for
Skin Cancer or Carcinoma In Situ.
Limitations and Exclusions No benefits under this contract will be payable as the result of the following:
• suicide or attempted suicide, whether while sane or insane.
• intentionally self-inflicted injury.
• rest care or rehabilitative care and treatment.
• immunization shots and routine examinations such as: physical examinations, mammograms, Pap smears, immunizations, flexible sigmoidoscopy, prostate-
specific antigen tests and blood screenings (unless Wellness Indemnity Benefit Rider is included).
• any pregnancy of a dependent child including confinement rendered to her child after birth.
• routine newborn care (unless Wellness Indemnity Benefit Rider is included).
• hospital confinement of a newborn child following the child's birth, unless the newborn child is being treated for accidental injury or sickness.
• an insured person’s abortion, except for medically necessary abortions performed to save the mother’s life or if the fetus is non-viable.
• treatment of mental or emotional disorder (unless Mental and Nervous Disorder Indemnity Benefit Rider is included).
• treatment of alcoholism or drug addiction (unless Inpatient Drug and Alcohol Addiction Indemnity Benefit Rider is included).
• participation in a felony, riot, or insurrection.
• any accident caused by the participation in any activity or event, including the operation of a vehicle, while under the influence of a narcotic
or hallucinogenic (unless administered by a physician or taken according to the physician’s instructions) or while intoxicated (intoxicated
means that condition as defined by the law of the jurisdiction in which the accident occurred).
• dental care or treatment, except for such care or treatment due to accidental injury to sound natural teeth within 12 months of the
accident and except for dental care or treatment necessary due to congenital disease or anomaly.
• sex change, reversal of tubal ligation or reversal of vasectomy.
• artificial insemination, in vitro fertilization, and test tube fertilization, including any related testing, medications or physician's services, unless required by law.
• committing, attempting to commit, or taking part in a felony or assault, or engaging in an illegal occupation.
• traveling in or descending from any vehicle or device for aerial navigation, except as a fare-paying passenger in an aircraft operated by a
commercial airline (other than a charter airline) on regularly scheduled passenger trip.
• any loss incurred on active duty status in the armed forces. (If you notify us of such active duty, we will refund any premiums paid for any period
for which no benefits are provided as a result of this exception.)
• an accident or sickness arising out of or in the course of any occupation for compensation, wage or profit or for which benefits may be payable
under an Occupational Disease Law or similar law, whether or not application for such benefits has been made. (This exclusion does not apply if
the insured person is not eligible for benefits under any Occupational Disease Law or similar law.)
• involvement in any war or act of war, whether declared or undeclared.
Termination of Insurance The insurance terminates on the earliest of:
• the insured’s death.
• the premium due date when we fail to receive a premium, subject to the grace period.
• the date of written notice to cancel insurance.
• the date the policy terminates.
• the date the insured ceases to be eligible for insurance.
Dependent insurance ends on the earliest of:
• the date the insured’s insurance terminates for any of the reasons above.
• the date the dependent no longer meets the definition of a dependent.
• the premium due date when we fail to receive a premium, subject to the grace period.
• the date of written notice to cancel insurance.
• the date the policy is modified so as to exclude dependent insurance.
The insurance company has the right to terminate the insurance of any insured who submits a fraudulent claim. Termination will not impact any
claim which begins before the date of termination.
Portability Option If the employee loses eligibility for any reason other than nonpayment of premiums, insurance can be continued by paying premiums directly to us
within 31 days after termination. We will bill the employee directly once we receive notification to continue insurance.
Group Term Life Insurance Policy with Accidental Death & Dismemberment (AD&D) Rider Offered by Transamerica Life Insurance Company | SUMMARY OF BENEFITS
Insurance is available for children 6 months and older. All children in a family will be insured for the same amount.
The Accidental Death & Dismemberment (AD&D) Rider is included in employee and spouse only. This rider is not available for dependent children. The AD&D insurance amount will match the amount of group term life insurance. This rider pays the following specified percentages of the insurance amount when a covered accident results in any of the following losses, not to exceed $100,000, for various types of loss or dismemberment, subject to any limitations/exclusions.
COVERED LOSS
PERCENTAGE OF DEATH BENEFIT PAYABLE
Loss of life or loss of two or more members (hand, foot, sight of an eye) 100%
Quadriplegia (total and permanent paralysis of both upper and lower limbs) 100%
Loss of speech AND hearing in both ears 100%
Paraplegia (loss or paralysis of both lower limbs) 75%
Loss of one member, or loss of speech, or loss of hearing in both ears 50%
Hemiplegia (total and permanent paralysis of the upper and lower limbs of one side of the body) 50%
Loss of hearing in one ear, or loss of thumb and index finger of same hand 25%
Only one such amount will be paid as a result of a single covered accident.
Age Reduction Schedule Death benefits automatically reduce to the following percentages, or flat amount, on the Group Master Policy Anniversary Date that follows the applicable birthday, as follows:
Birthday Death Benefit Payable
65th 65% of pre-age 65 death benefit 70th 50% of pre-age 65 death benefit 75th 25% of pre-age 65 death benefit 80th The lesser of $5,000 or 25% of pre-age 65 death benefit
EXCLUSIONS & LIMITATIONS We will not pay a death benefit if an insured person dies by suicide, while sane or insane, within two years of the date his or her insurance starts. If an insured employee or insured spouse dies by suicide, we will refund the premiums paid for the insurance. If an insured child dies by suicide, we will refund the premiums paid for the dependent child insurance only if there are no surviving insured children. If any death benefit is increased, this suicide exclusion starts anew, but will only apply to the amount of the increase.
The AD&D rider terminates on the employee’s 70th birthday.
We will not pay any benefits under the AD&D Rider if the loss, directly or indirectly results from any of the following, even if the means or cause of the loss is accidental:
• Suicide or intentionally self-inflicted injury, while sane or insane. • Commission of or attempt to commit an assault or felony.
• Sickness or mental illness, disease of any kind, or medical or surgical treatment for any sickness, illness, or disease.
• Injuries received while the insured person is under the influence of alcohol, a controlled substance or other drugs as defined by the laws of the state where the accident occurs, except as prescribed by a doctor.
• Any poison or gas voluntarily taken, administered, absorbed, or inhaled (except in the course of employment or as a result of accidental means.)
• Flight in any kind of aircraft, except as a fare paying passenger on a regularly scheduled commercial aircraft.
• Any bacterial or viral infection if caused by accidental injury.
• Declared or undeclared war, or any act of war.
• Taking part in an insurrection.
If more than one covered loss is sustained as a result of the same accidental bodily injury, payment shall be made for only the one loss for which the largest amount is payable.
This is a brief summary of Group Term Life Insurance underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa. Policy form series CP100200 and CC100400;; Rider form series CR101100. Forms and form numbers may vary. This insurance may not be available in all jurisdictions. Limitations and exclusions apply. Refer to the policy, certificate and riders for complete details.
Get the Most From Your Benefits With First Health Network Providers
As a member of a health plan that offers you the First Health Network for your medical care, you have access to a national network of providers and great savings. Using providers that participate in the First Health Network is the easiest way to maximize your benefits.
The First Health Network By going to a First Health provider, you can reduce your out-of-pocket expenses and stretch your benefit dollars. In addition:
• The First Health Network provides access to one of the nation’s largest and most respected networks.You have access to more than 5,000 hospitals, over 90,000 ancillary facilities, and over 1 million health care professionals across all 50 states, plus the District of Columbia and Puerto Rico.
• Network doctors are carefully selected to promote quality outcomes.• You have no paperwork because network doctors and hospitals file claims for you.• Your medical ID card displays the First Health Network logo so your provider identifies you as a
participating plan member.
Maximize Your Benefits Unlike non-participating doctors and hospitals, First Health Network providers have agreed to provide services for discounted fees. Therefore, you can stretch your benefits and reduce your out-of-pocket expenses by using participating First Health Network providers.
Compare network and non-network costs The following example shows how benefits would be calculated when an in-network provider is used, versus an out-of-network provider. This example is for illustration purposes only and is not specific to your plan of benefits.
Example - Office Visit First Health provider
Non-network provider
Your office visit $250.00 $250.00
Provider discount - $150.00 $0
Total charge with discount applied
$100.00 $250.00
Plan covers $80.00 $125.00
Your total responsibility
$20.00 $125.00
Find a Network Provider The most convenient way to find a doctor, hospital or other health care service provider participating in the First Health Network is by searching our online provider directory at www.firsthealthlbp.com. The electronic provider directory, available 24 hours a day, 7 days a week, includes the most detailed provider information available and is constantly updated. You can also call your administrator for assistance in locating a provider, at 1-866-868-4139.
5/13 ©2013 First Health Group Corp. All rights reserved. 17
Register today at Caremark.com to actively manage your
own health and wellness. You will need information from
your benefit ID card to register.
CVS CaremarkMail Service PharmacyA User’s Guide
©2008 Caremark. All rights reserved. 106-13586 08.08 [PP] QTY
* Copayment, copay or coinsurance means the amount a plan participant is required to pay for a prescription in accordance with a Plan, which may be a deductible, a percentage of the prescription price, a fixed amount, or other charge, with the balance, if any, paid by the Plan.
** The amount of your savings will be based on your benefit plan. Source: Generic Pharmaceutical Association’s Web site: www.gphaonline.org
www.caremark.com
Getting started is easy!1. If you need your prescription filled right away,
ask your doctor to write two prescriptions for
your long-term medicines:
• The first for a short-term supply (e.g., 30 days) to be filled right away at a participating retail pharmacy
• The second for the maximum days supply allowed (up to a 90-day supply) with as many as three refills (if appropriate) to be
mailed to CVS Caremark
2. Complete the mail service order form.
You can fill out and print the form online
at Caremark.com by clicking on New
Prescriptions. An incomplete form can cause
a delay in processing.
3. Mail your order form along with your
prescription(s) and payment in the envelope
provided, or use your own envelope to mail
the form and payment to the CVS Caremark
Mail Service Pharmacy address printed on
the form. You can pay using an electronic
check, Bill Me Later®, or credit card (VISA®,
MasterCard®, Discover® or American Express®).
Or you can pay by check or money order. Do
not send cash.
4. Allow up to 10 days from the day you submit
your order for delivery of your medicine.
If you’re not in a hurry to get your medicine,
then just get a 90-day prescription from your
doctor to send to CVS Caremark.
• Order the fastest refills
• Check drug cost
• View prescription history
• Find a participating local pharmacy
• Contact a pharmacist
Caremark.com puts the power in your hands.
Tips for saving time and money.1. Ask your doctor about generic medicines. Research
shows that you can save an average of 30% to 80%**
when you fill your prescriptions with a generic instead
of a brand-name drug.
2. If your prescription benefit program has a
Preferred Drug List, print a copy of the list from
Caremark.com and take it with you to your doctor’s
office. Using medicines on this list may save you and
your prescription plan money.
3. Make sure the prescription you receive from your doctor
is legible. It should include the patient’s full name,
the prescribing doctor’s contact information and the
prescription details - including the date it was written.
Allow up to 10 days from the day you submit your
order for delivery of your medicine. Regular delivery
is free. Overnight or second-day delivery is available
for an additional charge.
Packaged for safety.Your medicine will be mailed to you in plain,
tamper-proof packaging. An order form and a
return envelope are included with every delivery. All
items in your order typically arrive in one package.
If an item is not available, CVS Caremark will contact
you to determine if you want the available items
shipped or held until all items are ready.
Special handling.Certain items require special handling and may be
shipped by a faster method at no additional cost. In
such cases, you may receive a call letting you know
your order is being shipped.
• Controlled substances and orders exceeding$1,200 in value – shipped via two-day deliveryservice. An adult signature is required for delivery.
• Temperature-sensitive items – packaged andsent using special procedures, including ice packs,
coolers, and/or express delivery when necessary.
What you will pay.Your benefit materials explain your copayment* or
coinsurance for mail service. You can receive up to
a 90-day supply of your medicine for a copay that
may be significantly less than you would pay at a
participating retail pharmacy. If you are unsure of
your cost, contact your benefit provider, call the
toll-free number listed on your benefit ID card or
in your Welcome Kit, or check drug costs on
Caremark.com.
If you will be traveling.If you need your medicine shipped to a temporary
address, you can let us know by phone, on your
order form or by updating your profile on
Caremark.com. If you need more medicine
while traveling than the quantity allowed by your
prescriber or benefit plan (i.e., more than a 90-day
supply), contact your benefit office for approval
at least 30 days before you need a refill.
If your medicine looks different.There may be times when a cost-saving generic
drug is available to treat your condition. In this
situation, you may receive the generic, unless your
doctor tells us you must receive the brand-name
medicine. A generic drug may look different, but
all generic drugs are approved by the U.S. Food
and Drug Administration to have the same active
ingredients as the brand-name medicines
To learn more about your medicine.Important information on common medicine uses,
specific instructions and possible side effects is
included with each order. If you need additional
information, visit Caremark.com or call the toll-free
number on your benefit ID card or in your
Welcome Kit.
The advantages of mail service.Your prescription benefit plan administered by
CVS Caremark includes the use of a mail service
pharmacy. If you take one or more maintenance
medicines, you may save money and time with
mail service and have your medicine conveniently
delivered to your home, office or location of choice.
With the CVS Caremark Mail Service Pharmacy, you can:• Receive an extended supply of medicine.
• Enjoy free regular delivery
• Speak to a registered pharmacist 24 hours a day,seven days a week
• Contact a pharmacist with your questions onCaremark.com
• Order prescription refills online or by phone
anytime, day or night
Convenient refill options.The information you receive with your medicine will show the date that you can request a refill and the number of refills you have remaining.
3 ways to refill:• Online – Ordering refills at Caremark.com is
convenient, fast and easy! Have your benefit ID
card handy to register.
• By Phone – Call the toll-free Customer Carenumber on your prescription label for fullyautomated refill service. Have your benefit ID
number ready.
• By Mail – You can also mail your refill request toCVS Caremark, but online and telephone orders
tend to arrive sooner.
GENERAL NOTICE CONTINUATION COVERAGE RIGHTS Introduction You are receiving this notice because you have recently become covered under a group health plan (the Plan). This notice contains important information about your right to Continuation Coverage, which is a temporary extension of coverage under the Plan. This notice generally explains Continuation Coverage, when it may become available to you and your family, and what you need to do to protect the right to receive it. When you become eligible for Continuation Coverage, you may also be eligible for other coverage options that may cost less than Continuation Coverage. Continuation Coverage can become available to you when you would otherwise lose your group health coverage. It can also become available to other members of your family who are covered under the Plan when they would otherwise lose their group health coverage. For additional information about your rights and obligations under the Plan you should review the Plan's Summary Plan Description or contact the Plan Administrator. You may have other options available to you when you lose group health coverage. For example, you may be eligible to buy an individual plan through the Health Insurance Marketplace. By enrolling in coverage through the Marketplace, you may qualify for lower costs on your monthly premiums and lower-out-of-pocket costs. Additionally, you may qualify for a 30-day special enrollment period for another group health plan for which you are eligible (such as a spouse's plan) even if that plan generally doesn't accept late enrollees. What is Continuation Coverage? Continuation Coverage is a continuation of Plan coverage when coverage would otherwise end because of a life event known as a "qualifying event." Specific qualifying events are listed later in this notice. After a qualifying event, Continuation Coverage must be offered to each person who is a "qualified beneficiary." You, your spouse, and your dependent children could become qualified beneficiaries if coverage under the Plan is lost because of the qualifying event. Under the Plan, qualified beneficiaries who elect Continuation Coverage must pay for Continuation Coverage. If you are an employee, you will become a qualified beneficiary if you lose your coverage under the Plan because either one of the following qualifying events happens:
• Your hours of employment are reduced, or • Your employment ends for any reason other than your gross misconduct.
If you are the spouse of an employee, you will become a qualified beneficiary if you lose your coverage under the Plan because any of the following qualifying events happens:
• Your spouse dies; • Your spouse's hours of employment are reduced; • Your spouse's employment ends for any reason other than his or her gross misconduct; • Your spouse becomes entitled to Medicare benefits (under Part A, Part B, or both); or • You become divorced or legally separated from your spouse.
Your dependent children will become qualified beneficiaries if they lose coverage under the plan because any of the following qualifying events happens:
• The parent-employee dies; • The parent-employee's hours of employment are reduced; • The parent-employee's employment ends for any reason other than his or her gross misconduct; • The parent-employee becomes entitled to Medicare benefits (Part A, Part B, or both); • The parents become divorced or legally separated; or • The child stops being eligible for coverage under the plan as a "dependent child."
When is Coverage Available? The Plan will offer Continuation Coverage to qualified beneficiaries only after the Plan Administrator has been notified that a qualifying event has occurred. When the qualifying event is the end of employment or reduction of hours of employment, death of the employee, commencement of a proceeding in bankruptcy with respect to the employer, or the employee's becoming entitled to Medicare benefits (under Part A, Part B, or both), the employer must notify the Plan Administrator of the qualifying event.
Sometimes, filing a proceeding in bankruptcy under title 11 of the United States Code can be a qualifying event. If a proceeding in bankruptcy is filed with respect to Elwood Staffing Services, Inc., and that bankruptcy results in the loss of coverage of any retired employee covered under the Plan, the retired employee will become a qualified beneficiary. The retired employee's spouse, and dependent children will also become qualified beneficiaries if bankruptcy results in the loss of their coverage under the Plan.
You Must Give Notice of Some Qualifying Events For the other qualifying events (divorce or legal separation of the employee and spouse or a dependent child's losing eligibility for coverage as a dependent child), you must notify the Plan Administrator within 60 days after the qualifying event occurs. The Plan Administrator is Elwood Staffing Services, Inc. For all other qualifying events (divorce or legal separation of the employee and spouse or a dependent child's losing eligibility for coverage as a dependent child), you must notify the Plan Administrator within 60 days after the qualifying event occurs. You must send written notice of a qualifying event to the Plan Administrator at the following address: Elwood Staffing Services, Inc. 4111 Central Ave. Columbus, IN 47203 866.868.4139. The notice must identify the qualifying event and the date such event occurred and include any supporting documentation available (such as a divorce decree) and the name and address of all qualified beneficiaries whose coverage is affected by the qualifying event. How is Continuation Coverage Provided? Once the Plan Administrator receives notice that a qualifying event has occurred, Continuation Coverage will be offered to each of the qualified beneficiaries. Each qualified beneficiary will have an independent right to elect Continuation Coverage. Covered employees may elect Continuation Coverage on behalf of their spouses, and parents may elect Continuation Coverage on behalf of their children. Continuation Coverage is a temporary continuation coverage that generally lasts for 18 months due to employment termination or reduction of hours of work. Certain qualifying events, or a second qualifying event during the initial period of coverage, may permit a beneficiary to receive a maximum of 36 months of coverage. There are also ways in this 18-month period of Continuation Coverage can be extended: Disability extension of 18-month period of continuation coverage If you or anyone in your family covered under the Plan is determined by the Social Security Administration to be disabled and you notify the Plan Administrator in a timely fashion, you and your entire family may be entitled to receive up to an additional 11 months of Continuation Coverage, for a total maximum of 29 months. The disability would have to have started at some time before the 60th day of Continuation Coverage and must last at least until the end of the 18-month period of continuation coverage. In the event that you become disabled prior to the 60th day of Continuation Coverage, you must provide a notice of such disability within 60 days of receiving a disability determination from the Social Security Administration, and in no event later than the expiration of the 18-month period of Continuation Coverage to the following: Boon Administrative Services, Inc., Comerica Lock Box, P.O. Box 671227, Dallas, TX 75267-1227. Please include any available supporting documentation pertaining to the disability, including the Social Security Administration determination of disability. Second qualifying event extension of 18-month period of continuation coverage If your family experiences another qualifying event while receiving 18 months of Continuation Coverage, the spouse and dependent children in your family can get up to 18 additional months of Continuation Coverage, for a maximum of 36 months, if notice of the second qualifying event is properly given to the Plan. This extension may be available to the spouse and any dependent children receiving Continuation Coverage if the employee or former employee dies, becomes entitled to Medicare benefits (under Part A, Part B, or both), or gets divorced or legally separated, or if the dependent child stops being eligible under the Plan as a dependent child, but only if the event would have caused the spouse or dependent child to lose coverage under the Plan had the first qualifying event not occurred. In the event that you experience a second qualifying event while you are receiving Continuation Coverage, within 30 days of such qualifying event, please provide notice to: Boon Administrative Services, Inc., Comerica Lock Box, P.O. Box 671227, Dallas, TX 75267-1227. The notice must identify the qualifying event and the date such event occurred and include any supporting documentation available (such as a divorce decree) and the name and address of all qualified beneficiaries whose coverage is affected by the qualifying event. Are there other coverage options besides Continuation Coverage? Yes, instead of enrolling in Continuation Coverage, there may be other coverage options for you and your family through the Health Insurance Marketplace, Medicaid, or other group health plan coverage options (such as spouse's plan) through what is called a "special enrollment period." Some of these options may cost less than Continuation Coverage. You can learn more about many of these options at www.healthcare.gov. Keep Your Plan Informed of Address Changes In order to protect your family's rights, you should keep the Plan Administrator informed of any changes in the addresses of family members. You should keep a copy, for your records, of any notices you send to the Plan Administrator. Plan Contact Information For more information concerning your rights under Continuation Coverage, please contact: Boon Administrative Services, Inc. ATTN: COBRA Administration Comerica Lock Box P.O. Box 671227 Dallas, TX 75267-1227 866.868.4139
SPECIAL(ENROLLMENT(RIGHTS!(If!you!are!declining!enrollment!for!yourself!or!your!dependents!(including!your!spouse)!because!of!other!health!insurance!or!group!health!plan!coverage,!you!may!be!able!to!enroll!yourself!and!your!dependents!in!this!plan!if!you!or!your!dependents!lose!eligibility!for!that!other!coverage!(or!if!the!employer!stops!contributing!toward!your!or!your!dependents’!other!coverage).!However,!you!must!request!enrollment!within!30!days!after!your!or!your!dependents’!other!coverage!ends!(or!after!the!employer!stops!contributing!toward!the!other!coverage).!!In!addition,!if!you!have!a!new!dependent!as!a!result!of!marriage,!birth,!adoption,!or!placement!for!adoption,!you!may!be!able!to!enroll!yourself!and!your!dependents.!However,!you!must!request!enrollment!within!“30!days”!after!the!marriage,!birth,!adoption,!or!placement!for!adoption.!!To!request!special!enrollment!or!obtain!more!information,!contact!the!benefits!administrator.!!!
WOMEN’S(HEALTH(AND(CANCER(RIGHTS(ACT(OF(1998!
If!you!are!receiving!covered!benefits!for!a!Mastectomy,!you!should!know!that!your!Plan!complies!with!the!Women’s!Health!and!Cancer!Rights!Act!of!1998!(WHCRA).!The!Act!provides!for:!! !
•! All!stages!of!reconstruction!of!the!breast!on!which!the!mastectomy!was!performedP!
•! Surgery!and!reconstruction!of!the!other!breast!to!produce!a!symmetrical!appearanceP!
•! ProsthesesP!and!
•! Treatment!of!physical!complications!of!the!mastectomy,!including!lymphedema.!!These!benefits!will!be!provided!subject!to!the!same!copays,!deductibles!and!coinsurance!applicable!to!other!medical!and!surgical!benefits!provided!under!this!plan!as!stated!in!the!Plan!Summary!provided!with!these!materials.!!If!you!would!like!more!information!on!WHCRA!benefits,!contact!the!benefits!administrator.!
Important Notice from Your Employer About Your Prescription Drug Coverage and Medicare
Please read this notice carefully and keep it where you can find it. This notice has information about your current prescription drug coverage with your employer’s plan and about your options under Medicare’s prescription drug coverage. This information can help you decide whether or not you want to join a Medicare drug plan. If you are considering joining, you should compare your current coverage, including which drugs are covered at what cost, with the coverage and costs of the plans offering Medicare prescription drug coverage in your area. Information about where you can get help to make decisions about your prescription drug coverage is at the end of this notice. There are two important things you need to know about your current coverage and Medicare’s prescription drug coverage: 1. Medicare prescription drug coverage became available in 2006 to everyone with Medicare. You can get this coverage if
you join a Medicare Prescription Drug Plan or join a Medicare Advantage Plan (like an HMO or PPO) that offers prescription drug coverage. All Medicare drug plans provide at least a standard level of coverage set by Medicare. Some plans may also offer more coverage for a higher monthly premium.
2. Your employer has determined that the prescription drug coverage offered by your employer’s plan is, on average for all plan participants, expected to pay out as much as standard Medicare prescription drug coverage pays and is therefore considered Creditable Coverage. Because your existing coverage is Creditable Coverage, you can keep this coverage and not pay a higher premium (a penalty) if you later decide to join a Medicare drug plan.
_________________________________________________________________________________________________________ When Can You Join A Medicare Drug Plan? You can join a Medicare drug plan when you first become eligible for Medicare and each year from October 15 to December However, if you lose your current creditable prescription drug coverage, through no fault of your own, you will also be eligible for a two (2) month Special Enrollment Period (SEP) to join a Medicare drug plan. What Happens To Your Current Coverage If You Decide to Join A Medicare Drug Plan? If you decide to join a Medicare drug plan, your current coverage through your employer’s plan will not be affected. When Will You Pay A Higher Premium (Penalty) To Join A Medicare Drug Plan? You should also know that if you drop or lose your current coverage with your employer and don’t join a Medicare drug plan within 63 continuous days after your current coverage ends, you may pay a higher premium (a penalty) to join a Medicare drug plan later. If you go 63 continuous days or longer without creditable prescription drug coverage, your monthly premium may go up by at least 1% of the Medicare base beneficiary premium per month for every premium. You may have to pay this higher premium (a penalty) as long as you have Medicare prescription drug coverage. In addition, you may have to wait until the following October to join. For More Information About This Notice Or Your Current Prescription Drug Coverage… Contact the person listed below for further information. NOTE: You’ll get this notice each year. You will also get it before the next period you can join a Medicare drug plan, and if this coverage through [Insert Name of Entity] changes. You also may request a copy of this notice at any time. For More Information About Your Options Under Medicare Prescription Drug Coverage… More detailed information about Medicare plans that offer prescription drug coverage is in the “Medicare & You” handbook. You’ll get a copy of the handbook in the mail every year from Medicare. You may also be contacted directly by Medicare drug plans. For more information about Medicare prescription drug coverage:
• Visit www.medicare.gov • Call your State Health Insurance Assistance Program (see the inside back cover of your copy of the “Medicare &
You” handbook for their telephone number) for personalized help Call 1-800-MEDICARE (1-800-633-4227). TTY users should call 1877-486-2048.
If you have limited income and resources, extra help paying for Medicare prescription drug coverage is available. For information about this extra help, visit Social Security on the web at www.socialsecurity.gov, or call them at 1-800-772-1213 (TTY 1-800-325-0778).
Date: Name of Entity/Sender: Boon Group Address: 6300 Bridgepoint Parkway Building 3, Suite 500 Austin, TX 78730
Premium Assistance Under Medicaid and the
Children’s Health Insurance Program (CHIP) If you or your children are eligible for Medicaid or CHIP and you’re eligible for health coverage from your employer, your state may have a premium assistance program that can help pay for coverage, using funds from their Medicaid or CHIP programs. If you or your children aren’t eligible for Medicaid or CHIP, you won’t be eligible for these premium assistance programs but you may be able to buy individual insurance coverage through the Health Insurance Marketplace. For more information, visit www.healthcare.gov. If you or your dependents are already enrolled in Medicaid or CHIP and you live in a State listed below, contact your State Medicaid or CHIP office to find out if premium assistance is available. If you or your dependents are NOT currently enrolled in Medicaid or CHIP, and you think you or any of your dependents might be eligible for either of these programs, contact your State Medicaid or CHIP office or dial 1-877-KIDS NOW or www.insurekidsnow.gov to find out how to apply. If you qualify, ask your state if it has a program that might help you pay the premiums for an employer-sponsored plan. If you or your dependents are eligible for premium assistance under Medicaid or CHIP, as well as eligible under your employer plan, your employer must allow you to enroll in your employer plan if you aren’t already enrolled. This is called a “special enrollment” opportunity, and you must request coverage within 60 days of being determined eligible for premium assistance. If you have questions about enrolling in your employer plan, contact the Department of Labor at www.askebsa.dol.gov or call 1-866-444-EBSA (3272). If you live in one of the following states, you may be eligible for assistance paying your employer health plan premiums. The following list of states is current as of August 10, 2017. Contact your State for more information on eligibility –
ALABAMA – Medicaid FLORIDA – Medicaid Website: http://myalhipp.com/ Phone: 1-855-692-5447
Website: http://flmedicaidtplrecovery.com/hipp/ Phone: 1-877-357-3268
ALASKA – Medicaid GEORGIA – Medicaid The AK Health Insurance Premium Payment Program Website: http://myakhipp.com/ Phone: 1-866-251-4861 Email: [email protected] Medicaid Eligibility: http://dhss.alaska.gov/dpa/Pages/medicaid/default.aspx
Website: http://dch.georgia.gov/medicaid - Click on Health Insurance Premium Payment (HIPP) Phone: 404-656-4507
ARKANSAS – Medicaid INDIANA – Medicaid Website: http://myarhipp.com/ Phone: 1-855-MyARHIPP (855-692-7447)
Healthy Indiana Plan for low-income adults 19-64 Website: http://www.in.gov/fssa/hip/ Phone: 1-877-438-4479 All other Medicaid Website: http://www.indianamedicaid.com Phone 1-800-403-0864
COLORADO – Health First Colorado (Colorado’s
Medicaid Program) & Child Health Plan Plus (CHP+) IOWA – Medicaid
Health First Colorado Website: https://www.healthfirstcolorado.com/ Health First Colorado Member Contact Center: 1-800-221-3943/ State Relay 711 CHP+: Colorado.gov/HCPF/Child-Health-Plan-Plus CHP+ Customer Service: 1-800-359-1991/ State Relay 711
Website: http://dhs.iowa.gov/ime/members/medicaid-a-to-z/hipp Phone: 1-888-346-9562
KANSAS – Medicaid NEW HAMPSHIRE – Medicaid
Website: http://www.kdheks.gov/hcf/ Phone: 1-785-296-3512
Website: http://www.dhhs.nh.gov/oii/documents/hippapp.pdf Phone: 603-271-5218
KENTUCKY – Medicaid NEW JERSEY – Medicaid and CHIP Website: http://chfs.ky.gov/dms/default.htm Phone: 1-800-635-2570
Medicaid Website: http://www.state.nj.us/humanservices/dmahs/clients/medicaid/ Medicaid Phone: 609-631-2392 CHIP Website: http://www.njfamilycare.org/index.html CHIP Phone: 1-800-701-0710
LOUISIANA – Medicaid NEW YORK – Medicaid Website: http://dhh.louisiana.gov/index.cfm/subhome/1/n/331 Phone: 1-888-695-2447
Website: https://www.health.ny.gov/health_care/medicaid/ Phone: 1-800-541-2831
MAINE – Medicaid NORTH CAROLINA – Medicaid Website: http://www.maine.gov/dhhs/ofi/public-assistance/index.html Phone: 1-800-442-6003 TTY: Maine relay 711
Website: https://dma.ncdhhs.gov/ Phone: 919-855-4100
MASSACHUSETTS – Medicaid and CHIP NORTH DAKOTA – Medicaid Website: http://www.mass.gov/eohhs/gov/departments/masshealth/ Phone: 1-800-862-4840
Website: http://www.nd.gov/dhs/services/medicalserv/medicaid/ Phone: 1-844-854-4825
MINNESOTA – Medicaid OKLAHOMA – Medicaid and CHIP Website: http://mn.gov/dhs/people-we-serve/seniors/health-care/health-care-programs/programs-and-services/medical-assistance.jsp Phone: 1-800-657-3739
Website: http://www.insureoklahoma.org Phone: 1-888-365-3742
MISSOURI – Medicaid OREGON – Medicaid Website: http://www.dss.mo.gov/mhd/participants/pages/hipp.htm Phone: 573-751-2005
Website: http://healthcare.oregon.gov/Pages/index.aspx http://www.oregonhealthcare.gov/index-es.html Phone: 1-800-699-9075
MONTANA – Medicaid PENNSYLVANIA – Medicaid Website: http://dphhs.mt.gov/MontanaHealthcarePrograms/HIPP Phone: 1-800-694-3084
Website: http://www.dhs.pa.gov/provider/medicalassistance/healthinsurancepremiumpaymenthippprogram/index.htm Phone: 1-800-692-7462
NEBRASKA – Medicaid RHODE ISLAND – Medicaid Website: http://www.ACCESSNebraska.ne.gov Phone: (855) 632-7633 Lincoln: (402) 473-7000 Omaha: (402) 595-1178
Website: http://www.eohhs.ri.gov/ Phone: 855-697-4347
NEVADA – Medicaid SOUTH CAROLINA – Medicaid
Medicaid Website: https://dwss.nv.gov/ Medicaid Phone: 1-800-992-0900
Website: https://www.scdhhs.gov Phone: 1-888-549-0820
To see if any other states have added a premium assistance program since August 10, 2017, or for more information on special enrollment rights, contact either:
U.S. Department of Labor U.S. Department of Health and Human Services Employee Benefits Security Administration Centers for Medicare & Medicaid Services www.dol.gov/agencies/ebsa www.cms.hhs.gov 1-866-444-EBSA (3272) 1-877-267-2323, Menu Option 4, Ext. 61565
Paperwork Reduction Act Statement According to the Paperwork Reduction Act of 1995 (Pub. L. 104-13) (PRA), no persons are required to respond to a collection of information unless such collection displays a valid Office of Management and Budget (OMB) control number. The Department notes that a Federal agency cannot conduct or sponsor a collection of information unless it is approved by OMB under the PRA, and displays a currently valid OMB control number, and the public is not required to respond to a collection of information unless it displays a currently valid OMB control number. See 44 U.S.C. 3507. Also, notwithstanding any other provisions of law, no person shall be subject to penalty for failing to comply with a collection of information if the collection of information does not display a currently valid OMB control number. See 44 U.S.C. 3512. The public reporting burden for this collection of information is estimated to average approximately seven minutes per respondent. Interested parties are encouraged to send comments regarding the burden estimate or any other aspect of this collection of information, including suggestions for reducing this burden, to the U.S. Department of Labor, Employee Benefits Security Administration, Office of Policy and Research, Attention: PRA Clearance Officer, 200 Constitution Avenue, N.W., Room N-5718, Washington, DC 20210 or email [email protected] and reference the OMB Control Number 1210-0137.
OMB Control Number 1210-0137 (expires 12/31/2019)
SOUTH DAKOTA - Medicaid WASHINGTON – Medicaid Website: http://dss.sd.gov Phone: 1-888-828-0059
Website: http://www.hca.wa.gov/free-or-low-cost-health-care/program-administration/premium-payment-program Phone: 1-800-562-3022 ext. 15473
TEXAS – Medicaid WEST VIRGINIA – Medicaid Website: http://gethipptexas.com/ Phone: 1-800-440-0493
Website: http://mywvhipp.com/ Toll-free phone: 1-855-MyWVHIPP (1-855-699-8447)
UTAH – Medicaid and CHIP WISCONSIN – Medicaid and CHIP Medicaid Website: https://medicaid.utah.gov/ CHIP Website: http://health.utah.gov/chip Phone: 1-877-543-7669
Website: https://www.dhs.wisconsin.gov/publications/p1/p10095.pdf Phone: 1-800-362-3002
VERMONT– Medicaid WYOMING – Medicaid Website: http://www.greenmountaincare.org/ Phone: 1-800-250-8427
Website: https://wyequalitycare.acs-inc.com/ Phone: 307-777-7531
VIRGINIA – Medicaid and CHIP Medicaid Website: http://www.coverva.org/programs_premium_assistance.cfm Medicaid Phone: 1-800-432-5924 CHIP Website: http://www.coverva.org/programs_premium_assistance.cfm CHIP Phone: 1-855-242-8282