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TABLE
of Contents
2017 Open Enrollment Guide
Benefits Fairs
3
What’s new for 2017
4
AAC Employee & Retiree Benefit Center
5
Your Benefits at a Glance
6
2017 Rate Schedules
7
Summary of Benefits for Medical Plans
Medical Options
BlueChoice HMO Open Access
13
CareFirst EPO
24
BlueChoice Triple Option Open Access Plan
35
Prescription Coverage
CVS Caremark Prescription Drug Benefit
48
Dental Options
CIGNA Dental Care (DHMO) Plan
51
CIGNA Dental PPO Plan
53
Vision Care
VSP Vision Care Plan
55
Flexible Spending Accounts (FSAs)
Health Care FSA
57
Dependent Care FSA
57
FSA Debit Card
58
Group Life Insurance
Basic and Optional Life Insurance
59
Dependent and Spouse Life Insurance
60
Retiree Life Insurance
61
Other Benefits
Voluntary Benefits
62
Benefits Eligibility and Rules for Mid-Year Changes
Benefits Eligibility
64
Mid-year Changes
66
Important Legal Notices and Information
Newborns’ and Mothers’ Health Protection Act
67
Women’s Health and Cancer Rights Act
67
COBRA Continuation of Medical Coverage
68
Health Information Privacy
70
Notice of Credible Prescription Drug Coverage
74
Medicaid and the Children’s Health Insurance Program
76
Appendix
Wellness Connection
79
2017 Health Options Guide
81
Contact Information
104
The Anne Arundel County
Government
provides a very
generous benefits package to eligible
Employees and Retirees, with a wide
range of benefit options. For more
details about each plan, review the
sections in this book, the summary
plan documents on County
Connect, or refer to the Contact
Information for phone numbers and
websites for each of the plans.
THIS BOOK IS NOT A
CONTRACT
This book is a summary of general
benefits available to Anne Arundel
County Government eligible em-
ployees and retirees, and reflects ap-
plicable Federal Health Reform Reg-
ulations as of August 2016. Wherever
conflicts occur between the contents
of this book and the contracts, rules,
regulations, or laws governing the
administration of the various pro-
grams, the terms set forth in the vari-
ous program contracts, rules, regula-
tions, or laws shall prevail. Space does
not permit listing all limitations and
exclusions that apply to each plan.
If you have specific questions about
a particular plan before enrolling in
it, call the Benefits Office or refer to
the Contact Information for phone
numbers and websites for each of the
plans. After you enroll, you will have
access to a copy of the Benefit Guide
for the health plan that you have se-
lected. Please retain this information
for your records. Benefits provided
can be changed at any time without
consent of the participants.