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2016 Benefits Guide
Contact Information .................................................................................................................................................... 1
Enrolling in the Plans.................................................................................................................................................. 2
Eligibility...................................................................................................................................................................... 2
Frequently Asked Questions ...................................................................................................................................... 3
Pre-Notification Information........................................................................................................................................ 3
Health Care Coverage Options: COBRA and Its Alternatives ................................................................................... 4
Rally............................................................................................................................................................................ 4
Advocate4ME ............................................................................................................................................................. 5
Virtual Visits................................................................................................................................................................ 5
Medical Insurance ...................................................................................................................................................... 6
Prescription Benefits .................................................................................................................................................. 7
Preventive Care.......................................................................................................................................................... 7
Women’s Preventive Care Coverage......................................................................................................................... 7
Care Options and When to Use Them....................................................................................................................... 7
Health Savings Account (HSA) .................................................................................................................................. 9
Dental Insurance ...................................................................................................................................................... 12
Vision Insurance....................................................................................................................................................... 13
Basic Life and Accidental Death & Dismemberment Insurance............................................................................... 14
Voluntary Life and Accidental Death & Dismemberment Insurance ........................................................................ 14
Long Term Disability Insurance................................................................................................................................ 15
Employee Assistance Program (EAP) ..................................................................................................................... 15
Flexible Spending Accounts (FSAs)......................................................................................................................... 16
Important Notices ..................................................................................................................................................... 18
Glossary of Terms .................................................................................................................................................... 21
Electronic Disclosure Consent ................................................................................................................................. 22
Table of Contents