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2016 Benefits Guide
TABLE OF CONTENTS
Contact Information ....................................................................................................................................................1
Understanding Your Plan Options..............................................................................................................................2
Enrolling in the Plans..................................................................................................................................................3
Eligibility......................................................................................................................................................................3
Frequently Asked Questions ......................................................................................................................................4
Want to Know What Medicare Covers? .....................................................................................................................4
Medical - Anthem .......................................................................................................................................................5
Health Savings Account Information ..........................................................................................................................7
Care Options and When to Use Them .......................................................................................................................9
Dental - MetLife (PPO) and CIGNA (DHMO) ...........................................................................................................11
Vision - Vision Benefits of America (VBA)................................................................................................................13
Base Life and Accidental Death & Dismemberment ................................................................................................13
Voluntary Life and Accidental Death & Dismemberment .........................................................................................14
Long Term Disability Insurance................................................................................................................................15
Long Term Care Insurance ......................................................................................................................................15
Worksite Benefit Program ........................................................................................................................................16
Employee Assistance Program (EAP)......................................................................................................................16
Flexible Spending Account (FSA) ............................................................................................................................17
Important Benefit Information ...................................................................................................................................19
Important Notices……………………………………………………………………………………………………………..20
COBRA Benefit Option……………………………………………………….……………………………………………...22
Retiree Benefit Option…………………………………………………………………………………………..…………...23
Glossary of Terms…………………………………………………………………………………………………………….24