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2016 Benefits Guide
Contact Information .................................................................................................................................................... 1
Understanding Your Plan Options.............................................................................................................................. 2
Eligibility...................................................................................................................................................................... 3
Frequently Asked Questions ...................................................................................................................................... 3
Health Care Coverage Options COBRA and Its Alternatives .................................................................................... 4
Rally............................................................................................................................................................................ 4
Medical Insurance ...................................................................................................................................................... 5
Advocate4ME ............................................................................................................................................................. 5
Care Options and When to Use Them....................................................................................................................... 6
Dental Insurance ........................................................................................................................................................ 8
Vision Insurance......................................................................................................................................................... 9
Basic Life and AD&D.................................................................................................................................................. 9
Long-Term Disability .................................................................................................................................................. 9
Flexible Spending Accounts (FSAs)......................................................................................................................... 10
Employee Assistance Program (EAP) ..................................................................................................................... 12
401(k) ....................................................................................................................................................................... 12
Gym Membership Reimbursement Policy................................................................................................................ 12
Tuition Assistance .................................................................................................................................................... 13
Important Notices ..................................................................................................................................................... 13
Special Enrollment Notice.................................................................................................................................. 13
Women’s Health and Cancer Rights Act Of 1998 ............................................................................................. 13
Notice of Privacy Practices ................................................................................................................................ 13
Marketplace Options .......................................................................................................................................... 13
Medicaid CHIP Notice........................................................................................................................................ 14
Medicare Part D Credible Coverage.................................................................................................................. 15
Glossary of Terms .................................................................................................................................................... 16
Table of Contents