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2017 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
Medical Insurance ...................................................................................................................................................... 5
UnitedHealthcare Plan Designs ........................................................................................................................... 5
Monthly Employee Cost ....................................................................................................................................... 5
Health Savings Account (HSA) .................................................................................................................................. 6
Advocate4Me ............................................................................................................................................................. 8
LiveHealth Online ....................................................................................................................................................... 8
Virtual Visits................................................................................................................................................................ 8
Care Options and When to Use Them ....................................................................................................................... 9
Dental Insurance ...................................................................................................................................................... 11
Delta Dental of Missouri Plan Designs .............................................................................................................. 11
Monthly Employee Cost ..................................................................................................................................... 11
Vision Insurance ....................................................................................................................................................... 12
EyeMed Plan Design ......................................................................................................................................... 12
Monthly Employee Cost ..................................................................................................................................... 12
Employee Assistance Program (EAP) ..................................................................................................................... 12
Basic Life and AD&D................................................................................................................................................ 13
Voluntary Life and AD&D ......................................................................................................................................... 13
Important Benefit Information ................................................................................................................................... 14
Retirement ................................................................................................................................................................ 14
PSRS/PEERS .................................................................................................................................................... 14
CSD Retirement Trust - 403(b) and 457(b) ....................................................................................................... 15
Flexible Spending Accounts (FSAs)......................................................................................................................... 15
Online Enrollment ..................................................................................................................................................... 18
Log In Information .............................................................................................................................................. 18
Important Notices ..................................................................................................................................................... 19
Special Enrollment Notice.................................................................................................................................. 19
Notice of Material Change (Also Material Reduction in Benefits)...................................................................... 19
Women’s Health and Cancer Rights Act Of 1998 ............................................................................................. 19
Notice of Privacy Practices ................................................................................................................................ 19
Marketplace Options .......................................................................................................................................... 19
Medicaid CHIP Notice........................................................................................................................................ 20
Medicare Part D Credible Coverage.................................................................................................................. 20
Glossary of Terms .................................................................................................................................................... 22
Table of Contents