CINER 2018 Benefit Guide

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UND ER S TAND I NG Questions?
Contact Discovery Benefits
866-451-3399 or YOUR HEALTH FUND ACCOUNTS
15
Still not sure how the Health Funds compare?
Below is a summary chart highlighting benefit plan differences.
Health Reimbursement
Account (HRA)
Health Savings
Account (HSA)
Medical Flexible Spend-
ing Account (FSA)
Limited Purpose Flexible
Spending Account
(LFSA)
Who contributes? Ciner Ciner and You You You
Maximum contribution (includes maximum earned
wellness incentives)
(includes maximum earned
wellness incentives)
Single $1,000 $3,450 $2,650 $2,650
Family $1,750 $6,900 $2,650 $2,650
Contribution Method Company Funded Payroll, by personal check or
debit from your personal
bank account
Payroll Payroll
Can contribution elec-
tion be changed during
the year?
n/a Yes, monthly for any reason Not unless you have a
family status change
Not unless you have a
family status change
Timing to access funds Full annual base amount
available on first day.
Additional wellness
contributions available as
earned.
Access to only what has
been contributed to
account. Company base
contributions contributed
on a pro-rata basis through-
out the year. Additional
wellness contributions
available as earned.
Full annual election
available on first day.
Your contributions are
deducted on a pro-rata
basis throughout the
year.
Full annual election
available on first day.
Your contributions are
deducted on a pro-rata
basis throughout the
year.
Risk of forfeiture Yes – funds are forfeited
when you change plans or
terminate employment
with Ciner
No – account is individually
owned.
Yes – any unused funds
over $500 are forfeited.
Up to $500 rolls into the
next year
Yes – any unused funds
over $500 are forfeited.
Up to $500 rolls into the
next year
What funds can be
used for
Medical and prescription
drug expenses that are
covered under the plan but
subject to deductible and
coinsurance
Medical, prescription drug,
dental and vision expenses.
Funds can also be with-
drawn for other purposes
but may be subject to
penalty and taxes.
Medical, prescription
drug, dental or vision
expenses that are not
covered by your
insurance
Dental and Vision
expenses that are not
covered by your
Insurance.
Eligibility Blue Plan Green Plan Blue or White Plan Green Plan
Funds can be invested No Yes No No
Receipts Discovery may ask for
receipts to verify that
expenses are eligible. If
you don’t respond timely,
your debit card will be
deactivated and the
undocumented
reimbursements will
become taxable.
You are responsible for
keeping the receipts in the
event of an IRS audit to
verify that the expenses are
eligible.
Discovery may ask for
receipts to verify that
expenses are eligible. If
you don’t respond
timely, your debit card
will be deactivated and
the undocumented
reimbursements will
become taxable.
Discovery may ask for
receipts to verify that
expenses are eligible. If
you don’t respond
timely, your debit card
will be deactivated and
the undocumented
reimbursements will
become taxable.
Covered persons HRA Funds can be used to
pay for any person’s
eligible expense so long as
that person is covered on
your Ciner medical plan.
HSA Funds can be used to
pay for any eligible expenses
for any of your eligible tax
dependents regardless of
whether they are covered
on a Ciner medical plan.
FSA Funds can be used
to pay for any eligible
expenses for any of your
eligible tax dependents.
The dependents don’t
have to be covered on a
Ciner health plan.
FSA Funds can be used
to pay for any eligible
expenses for any of your
eligible tax dependents.
The dependents don’t
have to be covered on a
Ciner health plan.