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2016 Benefits Guide
Contact Information .................................................................................................................................................... 1
Enrolling in the Plans.................................................................................................................................................. 2
Eligibility...................................................................................................................................................................... 2
Frequently Asked Questions ...................................................................................................................................... 2
Your Health Plan Options........................................................................................................................................... 3
Advocate4ME ............................................................................................................................................................. 3
Virtual Visits................................................................................................................................................................ 4
Rally............................................................................................................................................................................ 4
How to Find a Provider............................................................................................................................................... 4
Medical Insurance ...................................................................................................................................................... 5
Health Savings Account (HSA) .................................................................................................................................. 8
Your Health Benefits .................................................................................................................................................. 9
Care Options ............................................................................................................................................................ 10
Dental Insurance ...................................................................................................................................................... 12
Vision Insurance ....................................................................................................................................................... 13
Basic Life Insurance ................................................................................................................................................. 14
Accidental Death & Dismemberment (AD&D) Insurance ......................................................................................... 14
Voluntary Life Insurance........................................................................................................................................... 14
Value Added Benefit from The Standard ................................................................................................................. 15
Short Term Disability ................................................................................................................................................ 15
Long Term Disability................................................................................................................................................. 15
Retirement Plan........................................................................................................................................................ 16
Employee Assistance Program (EAP) ..................................................................................................................... 16
Critical Illness and Accident Protection .................................................................................................................... 17
Lifetime Benefit Term Life Insurance with Long Term Care (LTC) Protection ......................................................... 17
Flexible Spending Account....................................................................................................................................... 17
Spouse/Domestic Partner Premium Surcharge ....................................................................................................... 20
Flexible Spending Account Enrollment Form .......................................................................................................... 21
Enrollment Worksheet .............................................................................................................................................. 22
Important Notices ..................................................................................................................................................... 24
Marketplace Options ................................................................................................................................................ 25
Medicaid Chip Notice ............................................................................................................................................... 26
Medicare Part D Creditable Coverage ..................................................................................................................... 27
Glossary of Terms……………………………………………………………………………………………………………28
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