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TABLE OF CONTENT
CONTACT INFORMATION........................................................................................................................................ 1
Reasons to Call and Who to Call ......................................................................................................................... 1
WELCOME TO CODE CONSULTANTS.................................................................................................................... 2
WHAT’S INSIDE......................................................................................................................................................... 2
ONLINE ENROLLMENT ............................................................................................................................................ 2
Health Plan Calculator ......................................................................................................................................... 2
Changing Coverage During the Year................................................................................................................... 2
MEDICAL INSURANCE OPTIONS ............................................................................................................................ 3
Anthem - PPO Plan.............................................................................................................................................. 3
Anthem - QHDHP ................................................................................................................................................ 3
MEDICAL INSURANCE COST SHARING................................................................................................................. 4
YOUR HEALTH BENEFITS ....................................................................................................................................... 4
Get the Most from Your Benefits ......................................................................................................................... 4
LiveHealth Online................................................................................................................................................. 4
Three Convenient Ways to Manage Your Health Care ....................................................................................... 5
Your Care Options and When to Use Them........................................................................................................ 5
HEALTH SAVINGS ACCOUNT (HSA)....................................................................................................................... 7
DENTAL INSURANCE ............................................................................................................................................... 9
Anthem Dental ..................................................................................................................................................... 9
VISION INSURANCE ...............................................................................................................................................10
Vision Benefits of America (VBA) ......................................................................................................................10
SHORT-TERM DISABILITY .....................................................................................................................................10
VOLUNTARY LONG-TERM DISABILITY ................................................................................................................10
VOLUNTARY TERM LIFE / AD&D INSURANCE ....................................................................................................11
BASIC LIFE AND ACCIDENTAL DEATH AND DISMEMBERMENT ......................................................................12
ACCIDENT INSURANCE.........................................................................................................................................12
CRITICAL ILLNESS INSURANCE ...........................................................................................................................12
FLEXIBLE SPENDING ACCOUNTS (FSA) .............................................................................................................12
Medical Reimbursement Account ......................................................................................................................12
Limited Purpose Reimbursement Account ........................................................................................................12
Dependent Care Reimbursement Account ........................................................................................................12
Transit and Parking Account..............................................................................................................................13
IMPORTANT NOTICES ...........................................................................................................................................13
Special Enrollment Notice..................................................................................................................................13
Notice of Material Change (also Material Reduction in Benefits) ......................................................................13
Women’s Health and Cancer Rights Act Of 1998 .............................................................................................13
Notice of Privacy Practices ................................................................................................................................14
Marketplace Options ..........................................................................................................................................14
Medicaid CHIP Notice........................................................................................................................................14
Medicare Part D Credible Coverage ..................................................................................................................15
GLOSSARY OF TERMS ..........................................................................................................................................16