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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 .................................................................................... 2
Virtual Visits................................................................................................................................................................ 4
Medical Insurance ...................................................................................................................................................... 5
Health Savings Account (HSA) .................................................................................................................................. 6
Care Options and When to Use Them....................................................................................................................... 8
Dental Insurance ...................................................................................................................................................... 10
Vision Insurance....................................................................................................................................................... 10
Basic Life and AD&D................................................................................................................................................ 11
Voluntary Life / AD&D .............................................................................................................................................. 11
Short-Term Disability................................................................................................................................................ 12
Long-Term Disability ................................................................................................................................................ 12
Flexible Spending Accounts (FSAs)......................................................................................................................... 12
Identity Theft Protection ........................................................................................................................................... 14
Important Notices ..................................................................................................................................................... 14
Special Enrollment Notice.................................................................................................................................. 14
Women’s Health and Cancer Rights Act Of 1998 ............................................................................................. 14
Notice of Privacy Practices ................................................................................................................................ 14
Marketplace Options .......................................................................................................................................... 14
Medicaid CHIP Notice........................................................................................................................................ 15
Medicare Part D Credible Coverage.................................................................................................................. 16
How to Enroll ............................................................................................................................................................ 17
Glossary of Terms .................................................................................................................................................... 18
Table of Contents