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Table of Contents
Contact Information ...................................................................................................................................................... 1
Enrolling in the Plans.................................................................................................................................................... 2
Eligibility........................................................................................................................................................................ 2
Frequently Asked Questions ........................................................................................................................................ 2
Health Insurance .......................................................................................................................................................... 4
Wellness Initiatives ................................................................................................................................................ 4
Monthly Employee Cost ......................................................................................................................................... 4
Plan A Summary .................................................................................................................................................... 5
Plan B Summary .................................................................................................................................................... 6
Virtual Visits ........................................................................................................................................................... 7
Advocate4ME......................................................................................................................................................... 7
Rally ....................................................................................................................................................................... 7
Dental Insurance .......................................................................................................................................................... 8
Plan Summary Network Information ...................................................................................................................... 8
Monthly Employee Cost ......................................................................................................................................... 8
Vision Insurance ........................................................................................................................................................... 9
Cigna Voluntary Vision Plan Summary.................................................................................................................. 9
Employee Monthly Cost ......................................................................................................................................... 9
Section 125 Premium Savings Plan ........................................................................................................................... 10
Company-Paid Life and Accidental Death & Dismemberment Insurance ................................................................. 10
Supplemental Life and Accidental Death & Dismemberment Insurance ................................................................... 10
Supplemental Life Insurance ............................................................................................................................... 10
Accidental Death and Dismemberment (AD&D).................................................................................................. 10
Short Term Disability .................................................................................................................................................. 12
Worksite Benefit Program .......................................................................................................................................... 13
Accident Expense Benefit .................................................................................................................................... 13
Critical Illness Insurance ...................................................................................................................................... 13
Flexible Spending Accounts (FSA) ............................................................................................................................ 16
Health Care Spending Plan ................................................................................................................................. 16
Dependent Care Spending Plan .......................................................................................................................... 16
Employee Assistance Program (EAP) ....................................................................................................................... 18
Tuition Reimbursement .............................................................................................................................................. 18
Paid Time Off.............................................................................................................................................................. 18
Traditional 401(k) and Roth........................................................................................................................................ 18
Referral Bonus ........................................................................................................................................................... 18
Discount Programs..................................................................................................................................................... 18
Important Notices
Special Enrollment Notice.................................................................................................................................... 19
Women’s Health and Cancer Rights Act Of 1998 ............................................................................................... 19
Notice of Material Change (also Material Reduction in Benefits) ........................................................................ 19
Notice of Privacy Practices .................................................................................................................................. 19
Important Information Regarding 1095 Forms..................................................................................................... 19
Marketplace Options ............................................................................................................................................ 19
Medicaid CHIP Notice.......................................................................................................................................... 20
Wellness Notice ................................................................................................................................................... 21
Medicare Part D Credible Coverage.................................................................................................................... 22
Glossary of Terms ...................................................................................................................................................... 23