powerpoint presentation · bcbskc resources retail teleheatlh 1. visit amwell.com and download the...
TRANSCRIPT
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Open Enrollment Presentation
2019BONNER SPRINGS/EDWARDSVILLE SCHOOL DISTRICT
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Agenda
1. Welcome!
2. Healthcare Consumerism Tools & Resources
3. Medical Plan Options and Costs
4. Savings Accounts (HSA & FSA)
5. Dental
6. Vision
7. Voluntary Products
8. Next Steps
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WELCOME!
• Important Dates
• Qualifying Life Event
SECTION 1
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Welcome!
The benefits you elect now are effective
January 1, 2019– December 31, 2019
• Your deductible/out-pocket maximums will re-set to zero on January 1,
2019
• If you select the HMO, you will need to designate a primary care
physician name and ID#. You can find the ID# doing a provider
search at www.bluekc.com.
• Remember to review all your plan options and networks to determine
what best fits your needs
• Consider these things:
1. How do you and your family use the plan?
2. What you are paying in premium to purchase the plan?
3. Factor in the District’s HSA contributions which reduces your
overall exposure
4. Does moving to a lower priced plan make sense?
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Wellness Program
1. Programs and challenges focusing on a variety of topics including physical, mental and
financial wellbeing. Have some fun and earn prizes by participating in the initiatives most
meaningful to you!
2. Monthly communications to keep you in the loop and offer practical tips for maximizing your
personal wellbeing.
3. Get involved and give back with community activity opportunities.
4. “A Healthier You” online wellness portal from Blue Cross. Utilize resources, complete activities
and earn points that can be used to enter Blue Cross sweepstakes.
*In 2019, our premium incentive design is evolving and will be linked to the activities available on
the Blue Cross “A Healthier You” portal offering you more options to earn the incentive. Watch
for more details to come later this fall.
WELLNESS CHAMPIONS:
· BSHS – Crystal Coleman-Richardson
· CMS – Lisa Krone
· BSE – Tammy Dooley
· DRE – Kristi Flack
· EDW – Joshua Merrill
· McDanield/Head Start/District - Kaela Williams
USD 204 WELLNESS VISION STATEMENT“To empower and reward employees for living sustainable
healthy lives both in and out of the workplace”
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Qualifying Life Event
Unless you have a qualified change in status, you cannot make changes to
the benefits you elect until the next annual enrollment period.
• Qualified changes in status include:
• Birth of a child, adoption, marriage, death, divorce, loss of coverage (if you
or your spouse/dependents are covered under another plan and then lose
that coverage)
Should you wish to make changes to your elections due to a qualifying event, you
have 31 days from the event to notify Human Resources and complete/turn in the appropriate paperwork. Otherwise you will have to wait until the next annual
enrollment to make any changes to your benefit elections.
Adding a Newborn
If you have Single Coverage or are currently covering Dependents:
• Request coverage for the newborn within 31 days following the birth
• The baby WILL NOT be automatically enrolled for you
• After you complete the enrollment request, the child will be added
retroactive to his/her birth date
• The member could be responsible for additional Premium
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HEALTHCARE
TOOLS &
RESOURCES• BCBSKC Resources
• Routine Preventative Services
SECTION 2
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BCBSKC
Resources
RETAIL TELEHEATLH1. Visit amwell.com and download the app.
2. Access from anywhere, 24/7/365.
3. Pay PCP copay, or $49 if you are enrolled in a QHDHP.
4. “Facetime” visit for: cold, flu, rash, migraine, pink eye,
ear infection, etc.
RX SAVINGS SOLUTIONS1. Access via your member portal at Mybluekc.com.
2. Find out if a generic is available.
3. Research savings opportunities.
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Routine Preventative
Services
In-Network routine preventive services and the
related office visit for routine preventive services
covered at 100%
• Annual Physicals
• Childhood immunizations
• Well women exams including mammograms
• PSA Tests
• Colorectal cancer exams
• Generic contraceptive drugs at 100%
• Breastfeeding support, supplies (pumps)
and counseling at 100%
Services MUST be Preventive
Services MUST be done in a different calendar year
All services received from an out-of-network provider are subject to the out-of-network deductible and coinsurance,except for childhood immunizations, which are paid at 100%.
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2019 MEDICAL PLAN
• Medical Insurance Terms
• Network Availability
• Network Differences
• Spira Care
• Plan Designs & Cost
• Claim Examples
SECTION 3
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Copay – a fixed dollar amount you pay for covered services. Such
services include but are not limited to physician office visits, urgent care,
and prescriptions.
Medical Insurance Terms
Out-of-Pocket Maximum – is the most you will pay in a
given plan year for your benefits, not including your premium. Your
deductible, copays, and coinsurance all accumulate towards this
maximum amount. Once this is met, all covered services will be paid at
100% for the remainder of the plan year.
Deductible – is the amount of money you pay for services before
coinsurance applies. This does not apply to preventive services required
under the Affordable Care Act.
Coinsurance – is the percentage you pay for certain services
based of the allowed amount charged. Generally, the insurance
company pays the larger portion of the percentage and you pay the
smaller portion. Coinsurance applies after the deductible has been met.
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Network
Availability &
Differences
BCBS of KC Networks
Preferred Care Blue Blue Care BlueSelect Plus
1) Applies to :
Option 2: QHDHP
Option 3: Base PPOOption 4: Buy-Up PPO
1) Applies to :
Option 5: HMO
1) Applies to :
Option 1: Spira Care EPO
2) Larger network in
Greater KC as well as
Nationally and
Internationally
2) Hospitals and
Providers are limited
to Greater KC area
2) Smallest network,
limited to 9 hospitals
and approximately
3,300 providers and
access to the new
Spira Care Centers
3) Provides out-of-
network coverage
3) No coverage out of
network unless it is an
emergency
3) No coverage out of
network, but does
provide access to the
National Blue Card network
The network of providers available to you depends on the plan you choose:
Visit www.bluekc.com to find a provider
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BlueSelect Plus Network
(Option 1: Spira Care EPO)
BlueSelect Plus Hospitals include only:
Children’s Mercy Hospital
Children’s Mercy South Hospital
Liberty Hospital
North Kansas City Hospital
Olathe Medical Center
Shawnee Mission Medical Center
Truman Medical Center – Hospital Hill
Truman Medical Center – Lakewood
University of Kansas Hospital
All other hospitals in BCBS’s service area are considered out
of the BlueSelect Plus Network.
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BlueSelect Plus
Network
1) If you are in the BlueSelect Network and have services provided by a hospital or provider that do not participate in the BlueSelect Plus Network, you will have significantly higher out of pocket costs.
2) If you are traveling and are outside of the BlueSelect Network, you still have access to the BCBS national Blue Card PPO Network and can receive in-network benefits.
3) If you are traveling outside the BlueSelect Plus Network and have a life or limb threatening situation, you will receive emergent care at the in-network level.
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Spira Care Centers
WHAT IS SPIRA CARE?
Blue KC is collaborating with one of the highest-performing Blue KC Medical Homes, to create Spira Care – an innovative new offering centered on a reimagined primary care experience.
Spira members will benefit from the network’s lower overall costs and convenient access to local providers across the metro area. Spira membership and care locations are exclusive to those employer groups enrolled.
Chronic condition
managementSpecialist referrals & scheduling
Digitalx-rays
Common Prescriptionsfilled on-site
Lab draws
Extended full service
hours
Routine preventative
care
Behavioral health
sciences
WHAT SERVICES ARE INCLUDED IN SPIRA CARE?
All preventative health services conducted at your Care Centers are 100% covered with no out-of-pocket cost to members. All diagnostic care is subject to a maximum allowable charge*.
There are currently two locations - Olathe and Shawnee.
OLATHE
15710 West 135th St
Olathe, KS 66062
SHAWNEE
10824 Shawnee Mission Pkwy
Shawnee, KS 66203
LEE’S SUMMIT
760 NW Blue Pkwy
Lee’s Summit, MO 64086
LIBERTY
8350 N Church Rd
Kansas City, MO 64158
WYANDOTTE
Location TBD
CROSSROADS
1916 Grand Blvd
Kansas City, MO 64108
Three more care centers will be opened by January
2019 in the locations below. The Wyandotte location is planned to open mid-2019.
● Children’s Mercy Hospital
● Children’s Mercy Hospital - South
● Liberty Hospital
● North Kansas City Hospital
● Olathe Medical Center
● Shawnee Mission Medical Center
● Truman Medical Center - Hospital Hill
● Truman Medical Center - Lakewood
● University of Kansas Hospital
WHERE ARE THE CLINICS LOCATED?
WHERE ARE THE CLINICS LOCATED?
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Medical Rates
EMPLOYEE ONLY
DISTRICT
FUNDED HSA(EMPLOYEE ONLY)
FAMILY
Option 1: Spira Care EPO $0 $102 $590
Option 2: QHDHP $0 $10 $824
Option 3: BASE PPO $0 N/A $868
Option 4: BUY-UP PPO $116 N/A $1,140
Option 5: HMO $52 N/A $978
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2018 Medical Plan Design
Option 1: Spira Care EPO
BlueSelect Plus
Option 2: QHDHP
Preferred Care Blue
Deductible
Individual
Family
$2,700
$5,400
$2,700
$5,400
Member Coinsurance 0% 0%
Out-of-Pocket Maximum
Individual
Family
In-Network
$2,700
$5,400
In-Network Out-of-Network
$2,700 $5,400
$5,400 $10,800
Office Visit
Primary Care Physician
Specialist
Spira Care Center
Subject to Deductible
Subject to Deductible
$60
Subject to Deductible
Subject to Deductible
N/A
Preventive Care Covered 100% Covered 100%
Urgent Care Subject to Deductible Subject to Deductible
Emergency Room Subject to Deductible Subject to Deductible
Outpatient Surgery Subject to Deductible Subject to Deductible
Inpatient Hospital Services Subject to Deductible Subject to Deductible
Prescription Drug
Retail (30-day supply)
Tier 1 – Generic
Tier 2 – Preferred
Tier 3 – Non-Preferred
Mail Order (120-day supply)
Subject to Medical Deductible
Subject to Medical Deductible
Subject to Medical Deductible
Subject to Medical Deductible
Subject to Medical Deductible
Subject to Medical Deductible
Subject to Medical Deductible
Subject to Medical Deductible
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2018 Medical Plan Design
Option 3: BASE PPO
Preferred Care Blue
Option 4: BUY – UP PPO
Preferred Care Blue
Option 5: HMO
Blue Care
Deductible
Individual
Family
$1,000
$2,000
$500
$1,000
None
None
Member Coinsurance 20% 20% 0%
Out-of-Pocket Maximum
Individual
Family
$4,000
$8,000
$2,750
$5,500
$3,000
$7,500
Office Visit
Primary Care Physician
Specialist
$40
$80
$20
$40
$40
$80
Preventive Care Covered 100% Covered 100% Covered 100%
Urgent Care $80 $40 $80
Emergency Room $200 then deductible then 20% $150 then deductible then 20% $200
Outpatient Surgery Deductible then 20% Deductible then 20%$500 per day up to $2,500/
calendar year/person
Inpatient Hospital Services Deductible then 20% Deductible then 20%$500 per day up to $2,500/
calendar year/person
Prescription Drug
Retail (30-day supply)
Tier 1 – Generic
Tier 2 – Preferred
Tier 3 – Non-Preferred
Mail Order (120-day supply)
N/A
$12
$35
$60
$24 / $70 / $120
N/A
$12
$35
$60
$24 / $70 / $120
N/A
$12
$35
$60
$24 / $70 / $120
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There are many opportunities for savings, especially for those enrolled in family coverage. If you are looking for a premium savings, consider what your savings would be if you were to enroll in one of the lower priced plans.
Example #1:Sally is enrolled as a Family in the Buy-up PPO plan today. She would save $3,264 in premium over the year by moving to the Base PPO.
• Yes, the Base PPO family out-of-pocket maximum is $2,500 more but,• Apply the premium savings of $3,264 toward the out-of-pocket expenses • Sally saves $764 over the year!
Example #2:Sally is enrolled as a Family in the Buy-up PPO plan today. She would save $3,792 in premium over the year by moving to the QHDHP.
• Yes, the QHDHP family out-of-pocket maximum is only $100 more but,• Apply the premium savings of $3,792 toward the out-of-pocket expenses• Sally saves $3,692 over the year!
Medical Premium
Savings Opportunities
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Claim Example #1
Employee in good health with single coverage. Sally has a Preventive exam & lab services, one diagnostic office visit, a Tier 1 Rx filled monthly and one additional
Tier 2 Rx filled just once.
Option 1: Spira
Care EPO
Option 2:
QHDHP
Option 3:
Base PPO
Option 4:
Buy-up PPO
Option 5:
HMO
Premium $0 $0 $0 $1,392 $624
Preventive Exam ($75) $0 $0 $0 $0 $0
One PCP Diagnostic Exam
($95)$95 $95 $40 $20 $40
Tier 1 Rx ($15/month) $180 $180 $144 $144 $144
Tier 2 Rx ($60) $60 $60 $35 $35 $35
District HSA Contribution $1,224 $120 N/A N/A N/A
Total Employee Cost ($889) $215 $219 $1,591 $843
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Claim Example #2
Employee with single coverage. Has a car accident in September and is in the hospital for six days, four follow up specialist visits, two Tier 2 Rx’s for 3 months.
Option 1: Spira Care
EPO
Option 2: QHDHP
Option 3: Base PPO
Option 4: Buy-up
PPO
Option 5: HMO
Premium $0 $0 $0 $1,392 $624
Hospital Stay ($50,000) $2,700 $2,700 $4,000 $2,760 $2,500
Four Specialist Visits
($150 each)$0 $0 $0 $0 $320
Tier 2 Rx ($80/month) $0 $0 $0 $0 $105
Tier 2 Rx ($135/month) $0 $0 $0 $0 $75
District HSA Contribution $1,224 $120 N/A N/A N/A
Total Employee Cost $1,476 $2,580 $4,000 $4,152 $3,624
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Claim Example #3
Employee with Spouse enrolled. Employee has chronic condition while the spouse is a healthy, low utilizer. The employee has two brand name prescriptions filled monthly, four diagnostic specialist office visits, and a 5 day inpatient hospital stay.
Option 1: Spira Care
EPO
Option 2: QHDHP
Option 3: Base PPO
Option 4: Buy-up
PPO
Option 5: HMO
Annual Premium $7,080 $9,888 $10,416 $13,680 $11,736
5 Day Inpatient Hospital ($40,000)
$2,700 $2,700 $4,000 $2,760 $2,500
Tier 3 Rx #1 ($160/month) $0 $0 $0 $0 $320
Tier 2 Rx #2 ($85/month) $0 $0 $0 $0 $105
Specialist Office Visits ($125 each)
$0 $0 $0 $0 $75
District HSA Contribution N/A N/A N/A N/A N/A
Total Employee Cost $9,780 $12,588 $14,416 $16,440 $14,736
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Claim Example #4
Employee + Family Plan. Employee in fair health with a monthly cholesterol medication. Spouse is on a $3,000 prescription drug, Child receives well child care and one urgent care for the flu and a tier 1 prescription.
Option 1: Spira Care
EPO
Option 2: QHDHP
Option 3: Base PPO
Option 4: Buy-up
PPO
Option 5: HMO
Annual Premium $7,080 $9,888 $10,416 $13,680 $11,736
Employee Tier 2 Cholesterol Rx ($100/month)
$1,200 $1,200 $420 $420 $420
Spouse Tier 3 Rx ($3,000/ month)
$2,700 $2,700 $720 $720 $720
Well-child visit ($180) $0 $0 $0 $0 $0
Child Urgent Care ($90) $90 $90 $80 $40 $80
Child Tier 1 Rx ($35) $35 $35 $12 $12 $12
District HSA Contribution N/A N/A N/A N/A N/A
Total Employee Cost $11,105 $13,913 $11,648 $14,872 $12,968
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SAVINGS ACCOUNTS• Health Savings Account
• Flexible Spending Account
SECTION 4
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Health Savings Account (HSA)
• Established for the purpose of paying qualified healthcare expenses of the
account owner or dependents.
• The account owner must be covered under a Qualified High Deductible
Health Care Plan to contribute to an HSA.
• Portable, it stays with you for life. Even if you change jobs, become
unemployed, or retire.
• Unused funds can rollover to use on future expenses.
25
• A tax-exempt account
• Contributions are tax-deductible (or “pre-tax”)
• Earnings on your balance and investments are not taxed
• Funds withdrawn for qualified medical expenses are not taxed
• An individually owned, tax-advantaged account that may be used to
pay for qualified medical expenses or saved for retirement and certain
long-term care expenses.
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You CANNOT receive/make contributions to an HSA if…
• You are claimed as a dependent on someone else’s tax return (You are NOT a dependent if you are “married filing jointly” or “married filing single”).
• You are covered by another health insurance plan that is NOT a QHDHP, such as coverage under a spouse’s traditional PPO or HMO plan.
• You or your spouse have a Flexible Spending Account (FSA), even if the FSA dollars are not used for you.
• You or your spouse are covered by a Health Reimbursement Arrangement (HRA).
• You have medical coverage under TRICARE, or eligible for Medicare, or Medicaid.
• You are in receipt of Veteran Administration (VA) benefits, for a non-service related disability, including prescription drugs, within the previous 3 months you are not eligible to contribute for 3 months following.
• You CAN still have other disability, dental, vision, and long- term care insurance policies & Dependent Care Account through an FSA.
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Is there a limit to how much I can contribute?
ANNUAL MAXIMUMS
The annual contribution is established by law and subject to changeeach calendar year.
If you are between the ages of 55 & 65, you may also be able to make a $1,000 “catch-up” contribution to the HSA each year.
Contribute
up to
$3,500Single, or
$7,000Family
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• Your own HSA contributions are either pre-tax (via payroll deduction), OR tax deductible if contributed directly to the account.
• You have until April 15th of the following calendar year to make HSA contributions for the prior year, including eligible catch-up contributions.
• In order to contribute the full limit, you must maintain enrollment in a QHDHP for at least 12 months.
• Contribution limits are prorated if you do not maintain enrollment in a QHDHP for at least 12 months.
- For example, if you are eligible for 4 months:
• $1,150 per individual
• $2,300 for family
HSA Contributions
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HSA Disbursements
You must retain all receipts in the event of an IRS Audit
Disbursements for qualified healthcare expenses are not subject to taxation
Disbursements for non-qualified expenses are subject to regular taxation plus a 20% penalty. The 20% penalty is waived upon attainment of age 65
Expenses incurred prior to establishing an HSA areNOT eligible for reimbursement
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• Eligible health care expenses include expenses for the individual who open the
account, his or her spouse and dependent children. The spouse and
dependent children do not need to be covered under the QHDHP in order to have an eligible HSA expense.
• Hospitalization
• Prescription Drugs
• Doctor Office Visits
• Premiums for Medicare, Long Term Care, COBRA
• Dental expenses (Including Orthodontia)
• Vision (Including Lasik)
• Full list of eligible expenses available on the Treasury website at: www.IRS.GOV
HSA Eligible
Expenses
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Flexible Spending Account (FSA)
Part 1) Pre-tax Premiums• Your premiums for medical, dental, vision and
some other insurance coverages are eligible to be
deducted from your paycheck pre-tax
- Additional tax savings for you
- Increase in your take-home pay
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Flexible Spending Account (FSA)
Part 2) Medical FSA• Pre-tax Medical, Dental & Vision expenses for you and
your dependents.
• Saves approximately 25% on every healthcare dollar spent
• May contribute up to $2,650/year
• “Use it or Lose it” – If you do not use all your funds by December 31, 2019, all but $500 will be forfeited
• All funds available day one of the plan year
• Cannot participate in the Medical FSA if you contribute to a Health Savings Account (HSA).
• IMPORTANT: If you contribute to the FSA and during future enrollments move the QHDHP with the intent of making/receiving contributions to a HSA, you must have a zero balance in your FSA.
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• Eligible health care expenses include expenses for the individual who open the
account, his or her spouse and dependent children. The spouse and
dependent children do not need to be covered under the employee’s plan in order to have an eligible FSA expense.
• Hospitalization
• Prescription Drugs
• Doctor Office Visits
• Dental expenses (Including Orthodontia)
• Vision (Including Lasik)
• Full list of eligible expenses available on the Treasury website at: www.IRS.GOV
FSA EligibleExpenses
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Flexible Spending Account (FSA)
Part 3) Limited FSA• Pre-tax Dental & Vision expenses only
• Use for expenses for yourself and your dependents
• Saves approximately 25% on every healthcare dollar spent
• May contribute up to $2,650/year.
• “Use it or Lose it” – If you do not use all your funds by December 31, 2019, all but $500 will be forfeited
• All funds available day one of the plan year
• You CAN participate in the Limited FSA if you contribute to a Health Savings Account (HSA).
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Flexible Spending Account (FSA)
Part 4) Dependent Care FSA• Pre-tax dependent & elder care expenses.
• May contribute up to $5,000/year.
• If married and filing separately, the maximum is $2,500.
• Use it by December 31, 2019 or lose it. No carry-over
• No restriction applies with regard to HSA account-holder.
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DENTAL • Plan Design
SECTION 5
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Voluntary Dental
DELTA DENTAL OF KANSAS Cost Per Month
Individual
Individual & Spouse
Individual & Child(ren)
Individual & Family
$32.31
$63.94
$63.76
$108.12
PPO PREMIER
DeductibleIndividual / Family
$50 / $150
Annual Maximum $1,500
Preventive Services 100% 100%
Basic Services 90% 80%
Major Services 60% 50%
Ortho Services N/A
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VISION
SECTION 6
• Plan Design
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Voluntary Vision
SURENCY Materials Only
Individual
Individual + Spouse
Individual + Children
Individual + Family
$7.76
$16.27
$13.95
$26.10
CopaysExamsLenses (Single, Bifocal, Trifocal)
$10$25
Frequency of ServiceExam
Lenses
Frames
Every 12 months
Every 12 months
Every 24 months
Reimbursement ScheduleExam Glass Lenses(Single, Bifocal, Trifocal)
100%100%
Frames $100 allowance
Contacts $115 allowance, 15% off amount of $115
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VOLUNTARY
PRODUCTS
SECTION 7
• Disability Insurance
• Voluntary Life Insurance
• Cancer
• Critical Illness
• Accident
• Secure ID2
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Voluntary Products
DISABILITY INSURANCE
Disability insurance provides income protection
if or when you can’t work because of an illness
or injury. It is an additional way to help provide
you a source of income should you become
disabled from a non-work related injury or sickness.
POLICY FEATURES:• Several different benefit plan
options
• Benefit payments deposited
directly into your bank
account
• Benefits are payable year
round
VOLUNTARY LIFE INSURANCE
Help make sure your family is protected
financially in the event of a loved one’s death
is an important way of caring for their needs.
American Fidelity has several types of
individual life insurance plans to choose from,
including permanent, term and children’s policies.
POLICY FEATURES:• Death benefit amount that is
generally tax free and paid
directly to beneficiaries
• A policy that you own – take
with you if you leave
employment
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Voluntary Products
CANCER INSURANCE
A cancer diagnosis can change your life, and
the expenses associated with a cancer
diagnosis can be overwhelming. Limited
Benefit Cancer Insurance may offer a solution
to help you so you can focus on your treatment and healing.
POLICY FEATURES:• Benefit payments are made
directly to you
• Individual, individual and
spouse, individual and child
(eligible child as defined in
the policy) and family
coverage available
CRITICAL ILLNESS INSURANCE
American Fidelity’s Limited Benefit Critical
Illness Insurance is an insurance policy that will
pay a lump sum if you experience an eligible
critical illness, such as a heart attack,
permanent damage due to a stroke, major organ failure and/or major burns.
POLICY FEATURES:• Three lump sum benefit
amounts available
• Annual health screening test
benefit
• Benefits paid directly to you
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Voluntary Products
ACCIDENT COVERAGE
Accidents can bring unexpected costs. A
limited Benefit Accident Only Insurance policy
may help lessen the impact of your finances by
paying benefits to help cover your expenses, regardless of any other coverages you have. C
POLICY FEATURES:• Benefit payments are made
directly to you
• Individual, individual and
spouse, individual and child
(eligible child as defined in
the policy) and family
coverage available
SECURE ID2
Unexpected problems can have serious
influence on your peace of mind. Secure ID2
helps you face those problems with a sense of confidence.
POLICY FEATURES:• ID Sanctuary Enhanced
• Legal Services
• Roadside Assistance
• Global Travel Assistance
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NEXT STEPS
SECTION 8
• How to enroll
• Review
• Ask Questions
• Enroll!
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How To Enroll
Online Self Enrollment:
Complete your self-enrollment online between November 5th
and November 16th. Just use the link on page 3 of your employee guide
- OR -
Assisted Enrollment:
Schedule your one-on-one enrollment session for the week ofNovember 12th to November 16th. Just click on the scheduling link on page 3 of your guide to sign up for a time.
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1 2 3
REVIEW INFORMATION
In the meantime, review this presentation and your employee
benefits guide carefully.
ASK QUESTIONS
Utilize your HR Department to ask questions to better understand your
benefit options.
Remember to use the worksheet at the end of your guide to gather all
necessary info in preparation for enrolling.
ENROLL
Next Steps
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Contact InformationIf you have any questions regarding your benefits, please contact one of your CBIZ representatives or your Bonner Springs representative.
CBIZ Representatives Maggie Releford, Account Executive
816.945.5242
Molly Harrison, Account Manager
816.945.5582
Sarah Kane, Client Service Representative
816.945.5545
Bonner Springs Benefits CoordinatorStormi Vitt
913.422.5600 ext. 1010
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QUESTIONS?