2020 AtlantiCare Benefits Workbook

Voluntary Offerings

HOME TABL OF CONTENTS WELCOME.................2 WHAT’S NEW. ...........3 VICE CENTERS AND EBSITES...................4 HO TO ENROLL.......5 MEDICAL..............6-12 PRESCRIPTION DRUG. ................13-15 ADDITIONAL MEDICAL PLAN RESOURCES.........16-18 DENTAL...............19-21 VISION.....................22 LIFECENTER..............23 LIFE INSURANCE. .....24 LONG TERM DISABILITY...............25 VOLUNTARY OFFERINGS. ........26-29 SPENDING ACCOU TS. ............30 RETIREMENT B NEFITS..................31 WELLNESS. .........32-36 LEGAL NOTICES..37-39 CONTACTS.........40-41 GLOSSARY..........42-43 FAQs...................44-46 FORMS................47-56 WHAT’S NEW SERVICE CENTERS AND WEBSITES HOW TO ENROLL MEDICAL PRESCRIPTION DRUG ADDITIONAL MEDICAL PLAN RESOURCES DENTAL VISION LIFE INSURANCE LONG TERM DISABILITY VOLUNTARY OFFERINGS SPENDING ACCOUNTS RETIREMENT BENEFITS WELLNESS LEGAL NOTICES CONTACTS GLOSSARY

Home Buyers Program AtlantiCare has partnered with various local and state housing agencies to offer free “Home Buyers” programs. These programs provide resources on what it takes to become a home owner. Program highlights include: • First Time Home Buyer programs • Financing options that include down payment and closing cost assistance • Pre-housing counseling • Access to preferred Lenders and Realtors • Tours • Credit Counseling Postings for events will be made as they become available. For more information, visit the Starfish Human Resources Benefits Portal or NJHFMA’s website at www.njhousing.gov or call 1-800-NJ-HOUSE. South Jersey Federal Credit Union South Jersey Federal Credit Union has been providing financial products and services to our members for almost 80 years. There are full-service branch locations throughout southern New Jersey and Pennsylvania. As a Member of South Jersey Federal Credit Union Credit, you’ll enjoy a variety of financial products and services and 24 hour access to your account via online banking and our mobile app.

Lending Products • Auto loans (New & Used) • Boat, Motorcycle & RV loans • Credit Builder Loans • Home Equity Loans • Home Equity Line of Credit • Mortgages • Personal Loans • Platinum Visa Credit Card

*For qualified members. Terms, conditions and restrictions apply. Some products require credit approval.

Allstate Group Universal Life Group Universal Life provides a lump-sum cash benefit upon death – plus a long term care feature. Life insurance coverage is for the living; those left behind must deal with final expenses, bills, mortgage and expenses associated with day-to-day life. It can also help provide financial security during life-changing events that occur as you age and your needs change. Plus, fund value accumulation allows for loans and withdrawals when needed. Group Universal Life Insurance is flexible and can provide living or death benefits that adjust based on changing lifetime needs. It includes: • Cash Value – for loans and withdrawals, when needed • Living Benefits – in the event of a Terminal Illness • Long Term Care Benefits – for qualified Long Term Care expenses It is permanent as opposed to term insurance – as long as you pay the required premiums, the policy will provide a death benefit. It is portable – you can take it with you, regardless of employment or retirement, without a change in premium because you have aged. Upon your election of Universal Life Insurance – you have the option to elect additional coverage for your dependents: • Spouse Universal Life includes the same flexible provisions such as living or death benefits. • Children Term Life Insurance

Free Checking • No minimum balance requirement • No monthly fees • Unlimited check writing • Overdraft Privilege*

Savings Accounts • Money Markets & IRAs • Certificates • Holiday & Vacation Club

FORMS

*Voluntary Benefit Questions? Please contact Corestream, the AtlantiCare Voluntary Benefit vendor at 1-855-799-5400.

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