2018 Benefits You Can Count On Welcome Welcome to your 2018 benefits! This brochure will provide an outline of the benefits available to you and assist you in making your benefit enrollment choices. We encourage you to take the time to review this Benefits Summary to educate yourself about your options and to choose the best coverage to fit your needs. Eligibility You are eligible for benefits on the first of the month following 59 days of employment if you are a full-time or part-time employee scheduled to work 30 hours or more per week. You may enroll your eligible dependents in the same plans you choose for yourself. Eligible dependents include your legal spouse or domestic partner and your children up to age 26. When Is Enrollment? You can enroll for coverage within 31 days of your eligibility date or during the annual Open Enrollment period. You are automatically enrolled in the MEC Plan unless you choose to opt out. If you do not enroll for coverage within 31 days of your eligibility date, you will not receive health coverage during the plan year, unless you experience a qualified change in family status, such as marriage, divorce, birth of a child, or loss of other health coverage. How to Enroll You have two options to enroll in your benefits. Call Voluntary Benefit Advisors (VBA) at 866-783-4443 for an easy, personalized enrollment experience! Live Benefit Advisors can offer explanations of your benefits and review the additional benefits available to you. Visit your BenefitElect site at BenefitElect - Easy Steps to Enroll Follow easy steps to enroll in coverage for yourself and your dependents: Visit your BenefitElect website Click "Register" and complete the brief registration process. Click "Open Enrollment Site". Update your personal information on the "About You" page and click "Continue". Update your dependent information on the Your Dependents" page and click "Continue". On the "Enrollment" page, enroll or waive coverage for you and your dependents. Be sure to update your beneficiary information here! You will have an opportunity to review all of the information on your Enrollment Summary and a confirmation statement will be generated.
Medical Coverage for a Healthier You See the below for a comparison of the medical plan options available to you. Please note with the MV Plan, you may be balance billed if the provider does not accept 125% of the Medicare Allowable Payment: Plan Features MEC MEC PLUS MV In Network In Network In Network* Deductible (per calendar year) $0 $0 $0 Out-of-Pocket Maximum (per calendar year) N/A $1,850 $7,150/$14,300 Lifetime Maximum Unlimited Unlimited Unlimited Office Visit Not covered $15 copay/ $25 copay (specialists) $15 copay/ $25 copay (specialists) Routine Physical Exams/ Immunizations Covered 100% Covered 100% Covered 100% X-rays Not covered $50 copay $50 copay Urgent Care Not covered $50 copay $50 copay Emergency Room Not covered Not covered $400 copay Outpatient Surgery Not covered Not covered Not covered Inpatient Hospital Services Not covered Not covered $1,000 copay, then 20% Maternity: Facility Not covered Not covered $1,000 copay, then 20% Transplant Services Not covered Not covered $1,000 copay, then 20% Prescription Drugs: Retail (up to a 30-day supply) Generic Only Not covered $5 $40 * Patient may be balance billed if provider does not accept 125% of Medicare Allowable Payment Supplemental Medical Coverage Supplement your medical coverage by receiving cash reimbursements for covered medical services with TransChoice Advance: Plan Features Plan Features Plan Features Plan Pays* Hospital Indemnity $100 (31 days per confinement) Hospital Confinement $500 (1 day per confinement, 1 per calendar year) Prescription Drug $10/generic, $20/brand (1 day per month combined maximum) Off-the Job Accidental Injury $100 (1 day per accident/5 per calendar year) Outpatient Diagnostic Lab $10 (2 days per calendar year) Outpatient Select Diagnostic Test $50 (1 day per calendar year) Outpatient Advance Studies $200 (1 day per calendar year) Outpatient Physician Office $60 (6 days per calendar year) Inpatient Surgical $500 Outpatient Surgical $250 Outpatient Minor Surgical $50 Outpatient Surgical Anesthesia Additional 20% * Dollar amounts listed here are one-time cash reimbursements