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TABLE OF CONTENT
2017 RENEWAL HIGHLIGHTS ........................................................................................................................................ 1
CONTACT INFORMATION............................................................................................................................................... 2
OPEN ENROLLMENT....................................................................................................................................................... 3
HEALTH CARE COVERAGE OPTIONS .......................................................................................................................... 4
CHANGING COVERAGE DURING THE YEAR ............................................................................................................... 5
MEDICAL INSURANCE OPTIONS................................................................................................................................... 6
UnitedHealthcare - Base Plan .................................................................................................................................... 6
UnitedHealthcare - Premium Plan .............................................................................................................................. 7
UnitedHealthcare - QHDHP with HSA........................................................................................................................ 8
DENTAL INSURANCE...................................................................................................................................................... 9
VISION INSURANCE...................................................................................................................................................... 10
LIFE INSURANCE AND AD&D INSURANCE ................................................................................................................ 11
VOLUNTARY TERM LIFE AND AD&D INSURANCE .................................................................................................... 11
FLEXIBLE SPENDING ACCOUNTS (FSA) .................................................................................................................... 11
EMPLOYEE ASSISTANCE PROGRAM (EAP) .............................................................................................................. 14
HEALTH SAVINGS ACCOUNT (HSA) ........................................................................................................................... 15
YOUR HEALTH BENEFITS ............................................................................................................................................ 17
RALLY ............................................................................................................................................................................. 18
VIRTUAL VISITS............................................................................................................................................................. 18
ADVOCATE4ME ............................................................................................................................................................. 18
WELLNESS INCENTIVE................................................................................................................................................. 18
REAL APPEAL ................................................................................................................................................................ 19
CARE OPTIONS AND WHEN TO USE THEM............................................................................................................... 20
IMPORTANT NOTICES .................................................................................................................................................. 22
GLOSSARY OF TERMS................................................................................................................................................. 26