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2016 Benefits Guide
Contact Information .................................................................................................................................................... 1
Understanding Your Plan Options.............................................................................................................................. 2
Eligibility...................................................................................................................................................................... 3
Frequently Asked Questions ...................................................................................................................................... 3
Health Care Coverage Options COBRA and Its Alternatives .................................................................................... 4
Advocate4ME ............................................................................................................................................................. 5
Virtual Visits................................................................................................................................................................ 5
Rally............................................................................................................................................................................ 5
Medical Insurance ...................................................................................................................................................... 6
Health Savings Account (HSA) .................................................................................................................................. 9
Care Options and When to Use Them..................................................................................................................... 11
Dental Insurance ...................................................................................................................................................... 13
Vision Insurance....................................................................................................................................................... 13
Basic Life and AD&D................................................................................................................................................ 14
Voluntary Life and AD&D ......................................................................................................................................... 14
Long Term Disability................................................................................................................................................. 15
Flexible Spending Accounts (FSAs)......................................................................................................................... 15
Employee Assistance Program (EAP) ..................................................................................................................... 17
How to Get Covered in the Missouri Health Insurance Marketplace ....................................................................... 18
Getting Financial Help in the Marketplace ............................................................................................................... 19
Understanding Health Insurance and Plan Choices in the Marketplace.................................................................. 21
What Individuals and Families Need to Know About the Marketplace .................................................................... 23
Important Notices ..................................................................................................................................................... 25
Glossary of Terms .................................................................................................................................................... 28
Table of Contents