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I MPORTAN T R EM I ND ER S
Medical Plan Partnerships and Options
Ciner partners with Continental Benefits to administer the medical plans. The provider network is Aetna Signature
Administrators (ASA) for all medical benefits and WellDyne administers the pharmacy benefits. The telemedicine
benefits are through MDLive, also under the Continental Benefits umbrella. There are no changes to this arrangement
for the 2018 plan year except enhanced communications from Continental Benefits are expected. You will see better
detail on a completely revised Explanation of Benefits (EOB) and a redesigned, user-friendly website which includes
virtual ID cards, viewable benefit plan information and cost transparency tools. Watch for more details to be released.
For 2018, Ciner will continue to offer the three medical plan options originally introduced in January 2017. All three
medical plans use the same provider network and have the same covered benefits and exclusions. The three plans
share costs differently. During annual enrollment, we suggest that you look closely at all plan details (see the chart on
page 7) to make a personal decision as to what plan works best for you and your family members. You should weigh
the following:
Deductible Amount
– the amount of money you must pay before the plan begins to pay;
Coinsurance percentage
– the amount the plan pays once the deductible is met;
Prescription Drug Benefits
relative to your prescription drug needs;
Out of Pocket Maximum
– The amount you pay for covered medical expenses in a plan year through deductible
and coinsurance before the plan pays 100% of covered medical expenses for the remainder of the plan year;
HRA Roll Over Balance
—the amount that remains in your account as of the end of the calendar year; and
Premium
- The amount you pay out of your paycheck each pay period.
You can locate or confirm an Aetna network provider at
ASAlookup.AetnaSignatureAdministrators.com
.
You may also call HealthAdvocate at 866-799-2731 and let them do all the legwork for you!
Note: By using a network provider, you can take advantage of the negotiated discounts and help avoid balance billing.
Health Fund Accounts and Flexible Spending Accounts
Health Savings Account (HSA)
You have the opportunity to participate in a Health Savings Account (HSA) if you choose to participate in Ciner’s
Green Plan. With an HSA, you and Ciner can both contribute. For 2018, individuals with single coverage can
contribute up to
$3,450
(up $50 from 2017), including Ciner contributions and earned wellness incentive rewards.
Similarly, individuals with family coverage can contribute up to
$6,900
(up $150 from 2017). Individuals 55 or older
as of the end of 2018 can contribute an additional
$1,000
. The account is individually owned, similar to your 401k
account. Contributions to an HSA are pre-tax and can be used to pay for eligible health expenses as you go or saved
for later and even invested. Estimate your contribution carefully so you don’t lose out on any tax advantage offered or
any Ciner contribution. The amount you choose to contribute, the Ciner funded portion ($250 single/$750 family) and
your earned wellness incentives that Ciner awards directly into your HSA (up to $750 single or $1,000 family)
counts towards your maximum annual contribution.
Limited Purpose Flexible Spending Accounts
If you enroll in the HSA-compatible medical plan option (Ciner’s Green Plan) and have out-of-pocket dental or vision
expenses that you want to pay on a pre-tax basis, you can also elect to enroll in the Limited Purpose Flexible
Spending Account. While the HSA is used to cover health expenses, funds are only available for reimbursement up to
what has been contributed to the account at that point in time. A Limited Purpose FSA (LFSA) can be used to cover
dental and vision charges from day one. If you anticipate that you will have dental and vision expenses prior to
accumulating the funds in your HSA, you might consider also enrolling in the LFSA. Additionally, if you want to
save your HSA dollars, but know you will have these additional health expenses, you could enroll in a LFSA to
further reduce your taxable earnings. The LFSA is a ‘use-it-or-lose-it’ account and balances in excess of $500 at the
end of the year will be forfeited if services were not incurred during the plan year .
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