CINER 2018 Benefit Guide

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UND ER S TAND I NG
YOUR MEDICAL PLAN
Medical Questions? Need to Locate a Provider?
Contact Continental Benefits (Group # CB360) at
855-347-2638 or or
HealthAdvocate Benefits Gateway at 866-799-2731
Still not sure which medical plan is right for me?
Below is a summary chart highlighting benefit plan differences.
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Highlights Blue Plan with HRA Green Plan with HSA White Plan (PPO)
Employee Premium Highest Middle Lowest
Plan Deductible Deductible applies to all non-
preventive medical services
before Plan pays, however,
HRA Fund reduces deductible
and can be used for
Prescription expenses
Deductible applies to all non-
preventive services before the
Plan pays, however HSA Fund
can be used to help pay
Medical and Prescription
expenses
Deductible is not applicable for
office services or prescription
expenses.
Pre-set office visit and
prescription copays.
Availability of Copays There are no copays for
services but there is a pre-set
$40 telemedicine consultation
fee and prescription expenses
are capped at set dollar limits
per script.
There are no copays for ser-
vices but there is a pre-set $40
telemedicine consultation fee.
There are pre-set office visit and
prescription copays.
Integration with
Employer Fund
Immediate access to base HRA
Fund on first day of each plan
year
Access to pro-rata portion of
HSA contribution – only what
has been contributed to date
No Company provided funds
Integration with Ciner
Wellness Program
Earned Wellness incentives are
contributed to your HRA Fund
Earned Wellness incentives are
contributed to your HSA Fund
No Company contributions are
provided for participation in the
Wellness program
Coordination of
Benefits
Coordinates with WY Miner’s
Hospital Benefits
No coordination with WY
Miner’s Hospital Benefits
Coordinates with WY Miner’s
Hospital Benefits
Fund Balance Year-end HRA balance rolls into
subsequent plan year provided
you re-enroll in the Blue Plan
(HRA)
Year-end HSA balance remains
in your account for use in sub-
sequent plan years; can accu-
mulate in your individually-
owned account for future
healthcare expenses; or for use
post-65 for non-healthcare
related expenses without the
withdrawal penalty (subject to
applicable taxes at time of
withdrawal).
N/A
Tax Benefits Medical Plan payroll
contribution reduces your
taxable income but the HRA
provides no additional tax
benefits to you
Medical Plan payroll
contribution reduces your
taxable income AND your HSA
provides additional opportunity
for tax savings
Medical Plan payroll
contribution reduces your
taxable income
HRA Claim Filing Claims against your HRA (or
rollover HRA balance) are
processed via your debit card
or filed manually
Claims against your Rollover
HRA balance must be filed
manually
Claims against your Rollover
HRA balance are processed via
your debit card or filed manually