Pacific Coast Title Company 2018 Benefit Guide

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Enrollment
Please return all enrollment forms to Human
Resources by Monday, November 27th. If you are
not making any changes to your current elections,
you do not need to complete enrollment forms,
but YOU MUST SEND AN EMAIL to Human
Resources at by
November 27th CONFIRMING THAT YOU
ARE NOT MAKING ANY CHANGES TO YOUR
2018 BENEFITS. The above email will serve as
Pacific Coast Title Company’s confirmation that
you wish to remain on the plans you are enrolled
in for the 2017 benefit plan year with the same
enrolled dependents but accept the updated 2018
payroll deductions as noted on the prior page.
Medical
Pacific Coast Title Company continues to offer
medical options through Anthem Blue Cross of
California and Kaiser. There are no significant
changes to the medical benefits for 2018
but the employee contributions have in-
creased for the Anthem plans. All employees
will still have the option of the PPO plan, the
Lumenos Health Incentive Account (HIA) plan, or
the S-Value HMO plan available through Anthem
Blue Cross.
Employees can also elect the Traditional HMO
plan through Kaiser. There are no changes to the
Kaiser HMO plan for 2018. The employee
contributions for the Kaiser plan have
decreased for 2018. In addition, the Kaiser
HMO will serve as the ‘affordable’ plan option so
Pacific Coast complies with the Minimal Essential
Coverage and Affordability Safe Harbor guidelines
under The Affordable Care Act (ACA).
Please see the medical section of this guide for
plan details and employee contributions. If you
wish to keep your medical benefits the same for
2018, you do not need to complete an enrollment
form. If you wish to enroll for the first time,
change plans, or add/drop dependents, you will
need to complete the appropriate enrollment
form.
Dental and Vision
The dental plans remain with United Healthcare and
there are two plan options available– a LOW option
PPO plan and a HIGH option PPO plan. Both plans
offer you the opportunity to utilize in and out of
network dentists. There are no plan design or
employee contribution changes for 2018 for either
dental plan.
Vision coverage remains with EyeMed for 2018 and
there are no changes to plan design or employee
contributions.
Please see the appropriate section of this guide for
plan details and employee contributions. If you wish
to keep your dental and/or vision benefits the same
for 2018, you do not need to complete an enrollment
form. If you wish to enroll for the first time, change
plans, or add/drop dependents, you will need to
complete an enrollment form.
Life Insurance
The life insurance will continue to be insured by The
Standard. Pacific Coast Title Company continues to
provide full time employees with a Basic Life and
AD&D benefit. The Basic Life and AD&D benefit is
covered at no cost to you. You can purchase
additional Life and AD&D coverage for yourself, your
spouse and/or your children.
Please see the life insurance portion of this guide for
plan details and the age banded life insurance rates.
Rates may have changed for 2018 if you have aged
into the next age-banded rate bracket or if you
increase coverage. If you wish to elect coverage for
the first time, or increase your coverage, please
complete both The Standard Enrollment form and the
Evidence of Insurability form.
ENROLLMENT INSTRUCTIONS & 2018 PLAN UPDATES