SAMPLE Benefit Guide 2016 - NEW GRAPHICS

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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
Important Notices ...............................................................................................................................................................................19
Special Enrollment Notice ...........................................................................................................................................................19
Women’s Health and Cancer Rights Act Of 1998........................................................................................................................19
Notice of Material Change (also Material Reduction in Benefits).................................................................................................19
Notice of Privacy Practices ..........................................................................................................................................................19
Important Information Regarding 1095 Forms .............................................................................................................................19
Marketplace Options ....................................................................................................................................................................19
Medicaid CHIP Notice .................................................................................................................................................................20
Medicare Part D Credible Coverage ............................................................................................................................................20
Glossary of Terms ..............................................................................................................................................................................22