Frost Employee Benefits Guide 2017 sm

Table of Contents

Contact Information ..............................................................................................................................................................................1

Introduction...........................................................................................................................................................................................2

Eligibility ........................................................................................................................................................................................2

Frequently Asked Questions .........................................................................................................................................................2

Enrolling in the Plans.....................................................................................................................................................................3

Medical Insurance ................................................................................................................................................................................4

Pre-Notification Information ...........................................................................................................................................................4

Aetna Providers.............................................................................................................................................................................4

Medical Plan Important Features...................................................................................................................................................4

Prescription Benefits......................................................................................................................................................................6

Preventive Care.............................................................................................................................................................................6

Aetna QHDHP Option ($3,000 Ded)..............................................................................................................................................7

Aetna Base Plan ($3,000 Ded)......................................................................................................................................................8

Aetna Buy-Up Plan ($2,000 Ded) ..................................................................................................................................................9

Dental Insurance ................................................................................................................................................................................10

Vision Insurance .................................................................................................................................................................................11

Basic Life and AD&D Insurance .........................................................................................................................................................12

Voluntary Life and AD&D Insurance ...................................................................................................................................................12

Disability Insurance.............................................................................................................................................................................13

Voluntary Short-Term Disability ...................................................................................................................................................13

Voluntary Long-Term Disability ...................................................................................................................................................13

Voluntary Worksite Benefits................................................................................................................................................................13

Employee Assistance Program (EAP) ................................................................................................................................................14

Flexible Spending Accounts (FSAs) ...................................................................................................................................................15

Type of Accounts.........................................................................................................................................................................15

How the Accounts Work ..............................................................................................................................................................15

Account Statements ....................................................................................................................................................................15

Plan Your Contributions Carefully................................................................................................................................................16

401(k) Retirement Savings Plan .........................................................................................................................................................17

Vacation..............................................................................................................................................................................................20

Sick Leave ..........................................................................................................................................................................................20

Personal Day ......................................................................................................................................................................................20

Holiday Schedule 2017.......................................................................................................................................................................20

Health Savings Account (HSA)...........................................................................................................................................................21

HSA Online Enrollment................................................................................................................................................................22

Important Notices ...............................................................................................................................................................................23

Special Enrollment Notice ...........................................................................................................................................................23

Women’s Health and Cancer Rights Act Of 1998........................................................................................................................23

Notice of Privacy Practices..........................................................................................................................................................23

Wellness Program Disclosure .....................................................................................................................................................23

Marketplace Options....................................................................................................................................................................23

Medicaid CHIP Notice .................................................................................................................................................................24

Medicare Part D Credible Coverage............................................................................................................................................24

Glossary of Terms ..............................................................................................................................................................................26