Bankstar Benefit Guide 2016 - NEW GRAPHICS.pub

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Table of Contents
Contact Information ..............................................................................................................................................................................1
Medical Insurance ................................................................................................................................................................................2
Understanding Your Plan Options .................................................................................................................................................2
Understanding Health Savings Accounts (HSA)............................................................................................................................3
Virtual Visits...................................................................................................................................................................................5
Advocate4ME ................................................................................................................................................................................5
Rally ..............................................................................................................................................................................................5
Care Options and When to Use Them...........................................................................................................................................6
Your Medical Insurance Plan Options and Costs ..........................................................................................................................8
Voluntary Dental Insurance ..................................................................................................................................................................9
Voluntary Vision Insurance .................................................................................................................................................................10
Basic Life and AD&D ..........................................................................................................................................................................11
Voluntary Life and AD&D and Dependent Life....................................................................................................................................11
Disability Insurance ............................................................................................................................................................................12
Short-Term Disability...................................................................................................................................................................12
Long-Term Disability ....................................................................................................................................................................12
Long-Term Care .................................................................................................................................................................................12
Flexible Spending Accounts (FSAs) ...................................................................................................................................................13
Type of Accounts .........................................................................................................................................................................13
How the Accounts Work ..............................................................................................................................................................13
Contact Information .....................................................................................................................................................................14
Teledoc ...............................................................................................................................................................................................15
401(k) Retirement Plan.......................................................................................................................................................................15
Holidays..............................................................................................................................................................................................15
Paid Time Off Policy ...........................................................................................................................................................................16
Bereavement (Funeral) Leave ............................................................................................................................................................17
Jury Duty ............................................................................................................................................................................................17
Service Awards...................................................................................................................................................................................17
Voting .................................................................................................................................................................................................17
Worker’s Compensation Insurance .....................................................................................................................................................17
Military Service Leave of Absence ......................................................................................................................................................18
Business Travel Accident ...................................................................................................................................................................18
Banking Accounts...............................................................................................................................................................................19
Important Notices ...............................................................................................................................................................................20
Special Enrollment Notice ...........................................................................................................................................................20
Women’s Health and Cancer Rights Act Of 1998........................................................................................................................20
Notice of Material Change (also Material Reduction in Benefits).................................................................................................20
Notice of Privacy Practices ..........................................................................................................................................................20
Important Information Regarding 1095 Forms .............................................................................................................................20
Marketplace Options ....................................................................................................................................................................20
Medicaid CHIP Notice .................................................................................................................................................................21
Medicare Part D Credible Coverage ............................................................................................................................................21
Glossary of Terms ..............................................................................................................................................................................23