Open Enrollment Guide - CarMax Associate Benefits
Transcription
Open Enrollment Guide - CarMax Associate Benefits
VIEW YOUR 2016 OPEN ENROLLMENT GUIDE AT BENEFITS.CARMAX.COM F U L L- T I M E A S S O C I AT E S Next Home How To 2016 Updates Medical Health Spending Accounts Dental & Vision DCSA Appendix Table of Contents •H ow to Have a Successful Open Enrollment _____________ 3 • This Year’s Updates _________________________________ 4 • Medical Plan Overview ______________________________ 5 • Health Spending Accounts Overview ___________________ 9 • Dental & Vision Plan Overview _______________________ 11 • Day Care Savings Account (DCSA) Overview ____________ 12 •A ppendix _ _ ________________________________________ 13 Core 60 Medical Plan Chart_ _ _____________________________ 14 Select 70 Medical Plan Chart______________________________ 15 Premium 80 Medical Plan Chart____________________________ 16 Glossary of Terms _ _ ____________________________________ 17 Examples of Claims ____________________________________ 18 Who to Contact _______________________________________20 page 2 of 20 Previous Next Home How To 2016 Updates Medical Health Spending Accounts Dental & Vision OPEN ENROLLMENT DCSA Appendix is here! From January 7 to 25, you can enroll in or change your Medical, Dental, and Vision coverage for the new Plan Year that begins March 1, 2016. During this time, you can enroll in health spending accounts and the Day Care Savings Account for the new Plan Year. (Remember, you must enroll every year if you want to participate!) And, you can also elect or change your life insurance coverage. Here’s how to have a successful Open Enrollment: 1. Complete the KMXU Open Enrollment training 2. Review the online Open Enrollment Guide 3. Check out ALEX, our new medical plan decision tool at benefits.carmax.com under Open Enrollment 4. Enroll at mykmxhr.com by January 25 If you don’t wish to change your current Medical, Dental, or Vision coverage for next year, you don’t need to do anything. Your current elections will continue. If you have any questions about Open Enrollment, call (888) 695-6947 or visit benefits.carmax.com. page 3 of 20 Previous Next Home How To 2016 Updates Medical Health Spending Accounts THIS YE AR’S Dental & Vision DCSA Appendix updates You have three Medical Plan options to choose from during this Open Enrollment. Be sure to review each Plan option on the charts that follow, so you can choose the one that’s best for you and your family. While typical (industry-wide) Medical Plan increases are averaging around 5-6% for next year, we’re pleased to announce that your Medical and Dental premiums are increasing just 2% for 2016! CarMax Associates have been choosing and using the Health Plans wisely, and many of you are living healthier by participating in the CarMax Wellness programs. Other changes: • Increased Vision Plan coverage for frames and contact lenses • NEW – Coverage for ABA therapy • Enhanced coverage for speech, physical, and occupational therapy • NEW – Coverage for gender dysphoria treatment Check out ALEX, your new Medical Plan Decision Tool! •This new interactive tool will help you select the best health plan for you and your family. Find the tool at benefits.carmax.com under Open Enrollment, on mykmxhr.com, and in the KMXU Open Enrollment training. page 4 of 20 Previous Next Home How To 2016 Updates Medical Health Spending Accounts MEDICAL PLAN Dental & Vision Appendix overview Medical Plan Options Select 70 (Preferred Provider Organization plan) CarMax offers you a choice of three Medical Plan options: Core 60, Select 70, and Premium 80. See page 6 for details. As a Select 70 member, you are automatically enrolled in a Health Reimbursement Account (HRA). CarMax contributes to this account and the funds can be used toward meeting your deductible or other out-of-pocket eligible expenses. These three options offer variations on how you can expect to share the costs of care with the Plan you choose. Each option covers the same services, but the option that you choose will affect your paycheck deductions and the amount you pay for services, like hospital visits or prescriptions. This year, based on feedback we’ve received from CarMax Associates, we’ve added or enhanced the following coverage: • Applied Behavioral Analysis (ABA) therapy for children with autism • Our speech, physical, and occupational therapy session limits are now 60 per year each (speech was 30 visits last year; PT and OT were 60 visits combined) • Gender dysphoria treatment (this includes reassignment surgery and related mental health benefits) Here’s a brief overview of the Medical Plan options: Core 60 (High Deductible Health Plan) The Core 60 Plan option is a High Deductible Health Plan (HDHP) with a Health Savings Account (HSA). Core 60 Plan members may enroll in this HSA. CarMax contributes to this account and you can too! IRS imposes special eligibility requirements on HSAs. Please review the “The Core 60 Medical Plan Overview” and “Health Savings Account Frequently Asked Questions” documents on benefits.carmax.com. page 5 of 20 DCSA Premium 80 (Preferred Provider Organization plan) As a Premium 80 member, you’ll pay more out of each paycheck, but less when you receive medical services. Prescription Drug Program CVS/caremark™ administers the CarMax Prescription Drug Program for all three Medical Plan options. Here’s how you can save money when you fill your prescriptions with CVS/caremark. • Generic Medications: Talk with your doctor to see if a generic alternative is right for you. Generics are cost effective and offer the same benefits as their brand-name alternatives. • Maintenance Choice: Have your 90-day maintenance prescriptions filled through your local CVS pharmacy or have them mailed to your home. Either way, when you sign on with Maintenance Choice you’ll get every third month of medication for free! Beginning March 1, 2016, we are updating our coverage to include a Generics First program. This program promotes the use of generic prescription drugs to address specific conditions (when generic options have a track record of success). If you are affected by this change, you and your doctor will be notified by CVS/caremark. Visit caremark.com to find out more about CVS/caremark and your Prescription Drug Program. Detailed plan information is available at benefits.carmax.com Previous Next Home How To 2016 Updates Medical Health Spending Accounts overview cont’d Aetna® Medical Plan Options MEDICAL PL AN Dental & Vision Core 60 DCSA Appendix Select 70 In-Network Only ➤ Medical Plan Decision Tool Premium 80 In-Network Only In-Network Only Individual $2,000 Two Individuals $4,000 Family $6,000 Individual $1,700 Two Individuals $3,400 Family $5,100 Health Savings Account Health Reimbursement Account Individual $200 Two Individuals $400 Family $600 Individual $200 Two Individuals $400 Family $600 n/a Your Out-of-Pocket Maximum Individual $6,550 Family $13,100 Individual $6,550 Family $13,100 Individual $6,550 Family $13,100 Preventive Care Services $0 $0 $0 Lab & X-rays (Basic Imaging) $0 after deductible $0 $0 Primary Care Physician Office Visit 40% after deductible $30 copay $20 copay Deductible CarMax’s Contribution to Your Account YOU PAY Individual $600 Two Individuals $1,200 Family $1,800 YOU PAY YOU PAY Teladoc Virtual Visit $40 $30 copay $20 copay Retail Walk-in Clinics (e.g., CVS MinuteClinic®) 40% after deductible $30 copay $20 copay Urgent Care Center Visit 40% after deductible $60 copay $40 copay Specialist Office Visit 40% after deductible 30% after deductible $50 copay Emergency Room Visit 40% after deductible $250 copay + 30% after deductible $150 copay + 20% after deductible Other Covered Services (See Glossary) 40% after deductible 30% after deductible 20% after deductible CVS/caremark™ Prescription Coverage Generic Prescriptions* Retail (30-day supply) $25 copay after deductible $15 copay $10 copay Maintenance (90-day supply) $50 copay after deductible $30 copay $20 copay Preferred Brand - Retail (30-day supply) 40% after deductible Minimum $50; Maximum $125 30% Minimum $40; Maximum $100 $35 copay Preferred Brand - Maintenance (90-day supply) 40% after deductible Minimum $100; Maximum $250 30% Minimum $80; Maximum $200 $70 copay Non-Preferred Brand - Retail (30-day supply) 40% after deductible Minimum $70; Maximum $175 30% Minimum $60; Maximum $150 $55 copay Non-Preferred Brand - Maintenance (90-day supply) 40% after deductible Minimum $140; Maximum $350 30% Minimum $120; Maximum $300 $110 copay Brand Prescriptions* ** **Subject to the Generics First Program *Prescriptions on the Preventive Drug List are not subject to the deductible See more details for Core 60 page 6 of 20 See more details for Select 70 See more details for Premium 80 Previous Next Home How To MEDICAL PL AN Medical 2016 Updates overview cont’d Dental & Vision Health Spending Accounts 2016 Medical Plan Rates Core 60 DCSA Appendix Associate Cost ANNUALLY Associate Cost BI-WEEKLY Before Incentive Medical Plan Credit* After Incentive After Incentive Associate $43.00 ($23.08) $19.92 $518.04 Associate + Child $115.89 ($23.08) $92.81 $2,413.08 Associate + Children $155.66 ($23.08) $132.58 $3,447.24 Associate + Spouse/ Domestic Partner $164.01 ($46.16) $117.85 $3,064.20 Family $232.31 ($46.16) $186.15 $4,839.96 Associate Cost BI-WEEKLY Select 70 Associate Cost ANNUALLY Before Incentive Medical Plan Credit* After Incentive After Incentive Associate $87.10 ($23.08) $64.02 $1,664.52 Associate + Child $135.11 ($23.08) $112.03 $2,912.88 Associate + Children $183.12 ($23.08) $160.04 $4,161.24 Associate + Spouse/ Domestic Partner $189.55 ($46.16) $143.39 $3,728.40 Family $272.78 ($46.16) $226.62 $5,892.24 Associate Cost BI-WEEKLY Premium 80 K E E P I N M I N D... When you opt to pay more from each paycheck (Select 70, Premium 80), you’ll pay less when you receive medical care. page 7 of 20 Associate Cost ANNUALLY Before Incentive Medical Plan Credit* After Incentive After Incentive Associate $108.08 ($23.08) $85.00 $2,210.04 Associate + Child $180.35 ($23.08) $157.27 $4,089.00 Associate + Children $252.60 ($23.08) $229.52 $5,967.48 Associate + Spouse/ Domestic Partner $235.71 ($46.16) $189.55 $4,928.52 Family $333.04 ($46.16) $286.88 $7,459.08 * Medical Plan Credit applies to those Associates/Spouses/Domestic Partners who have completed the Commitment to Health program. Rounding differences may apply. Previous Next Home How To MEDICAL PL AN 2016 Updates overview Medical Health Spending Accounts Dental & Vision DCSA Appendix cont’d Make a Commitment to Health and Earn a Medical Plan Credit CarMax is committed to helping you be as healthy as possible, and all Associates are encouraged to commit to their health and take positive steps toward improving it. Again this year, a portion of your and (if covered) your Spouse/Domestic Partner’s Medical Plan Credit will be linked to your Know Your Numbers results. This begins with Knowing Your Numbers, which includes: • A confidential biometric screening, which measures your risk for Metabolic Syndrome through your blood pressure, cholesterol, triglycerides, glucose, and waist circumference. and • An online Health Assessment, which is a confidential questionnaire that reveals health risks based on your answers to questions about lifestyle habits, such as how you eat and how active you are. If your results indicate you are at risk for Metabolic Syndrome, or if you are a tobacco user, you can still earn the Medical Plan Credit by participating in Aetna’s Healthy Lifestyle Coaching program. And, if needed, we will accommodate the recommendations of your doctor. If Commitment to Health is completed Savings per paycheck Savings for Plan Year Associate $23.08 $600 Associate + Spouse/ Domestic Partner $46.16 $1,200 Please see the Commitment to Health Policy, available at benefits.carmax.com for all the details regarding the Commitment to Health program and the Aetna Healthy Lifestyle Coaching program. page 8 of 20 Previous Next Home How To 2016 Updates Medical Health Spending Accounts Dental & Vision DCSA Appendix H E A LT H S P E N D I N G ACCO U N T S overview Health spending accounts are pretax savings accounts that can help you save money on your health expenses. For more information, see the chart on page 10. • Health Care Flexible Spending Account (Health Care FSA) (for Premium 80 or Select 70 Plan members) •H ealth Reimbursement Account (HRA) (for Select 70 Plan members) •H ealth Savings Account (HSA) (for Core 60 Plan members) • L imited Purpose Flexible Spending Account (Limited Purpose FSA) (for Core 60 Plan members) REMINDER: You must re-enroll in the Health Care FSA, HSA, and Limited Purpose FSA each year if you want to continue your participation. page 9 of 20 The IRS imposes special eligibility requirements on HSAs. Please review “The Core 60 Medical Plan Option” and “Health Savings Account Frequently Asked Questions” documents on benefits.carmax.com. Previous Next Home How To 2016 Updates Medical HEALTH SPENDING ACCOUNTS overview cont’d Dental & Vision Health Spending Accounts DCSA Appendix The Medical Plan you choose determines the account(s) you are eligible to participate in. The chart below provides an overview of the accounts and the Plan each applies to. Health Care Flexible Spending Account Health Reimbursement Account (HRA) Health Savings Account (HSA) Limited Purpose FSA Medical Plan Eligibility Premium 80 or Select 70 Select 70 Core 60 Core 60 Description of Account Pretax account used to pay for qualified health expenses A CarMax funded account for participants in the CarMax Select 70 Plan option to pay for qualified Medical expenses A pretax account for Associates enrolled in the CarMax Core 60 Plan option to pay for qualified health expenses A pretax account used to pay for qualified Dental and Vision expenses or Medical expenses you incur after you reach your full deductible If I don’t participate in a CarMax Medical Plan, can I join the plan? Yes, provided you are not contributing to a Health Savings Account No No No Do I have to re-enroll every year if I wish to contribute? Yes No Yes Yes Is the “Plan Year” the same as the calendar year? No. The Plan Year is March 1 February 28/29 No. The Plan Year is March 1 February 28/29 No. The Plan Year is March 1 February 28/29 No. The Plan Year is March 1 February 28/29 Does CarMax contribute to my account? No Yes $200 per member, up to $600 Yes $200 per member, up to $600 No Can I contribute to my account? Yes No Yes* Yes How much can I contribute to my account during the Plan Year? $2,550 n/a $3,150 (Associate Only) $6,350 (2-Person) $6,150 (Family) $500 Can I make a “catch up” contribution? No No An additional $1,000 is allowed for Associates who are ages 55 and older No Do I pay taxes on my or CarMax’s contributions to my account?? No No No No Debit Card at purchase or Reimbursement Request How do I use the money in my account? Debit Card at purchase or Reimbursement Request Automatically applied when claim is processed You decide if you want to use your account or save for future expenses What expenses can I use the Account for? Note: Qualified Expenses are described in IRS Publication 502. Qualified Medical, Dental, and Vision expenses Qualified Medical expenses only Qualified Medical, Dental, and Vision expenses Qualified Dental and Vision expenses or Medical expenses incurred after you reach your full Medical deductible What happens to the money in my account if I leave CarMax? You forfeit any unused account balance You forfeit any unused account balance You keep the money! You forfeit any unused account balance Can I carry money forward from year to year? Yes, you can carry forward up to $500 Yes, up to 3 years as long as you remain enrolled in Select 70 Yes Yes, you can carry forward up to $500 Can I change my contribution or my participation at any time? No, changes are limited to IRSapproved Change in Status Events n/a Yes, certain limits may apply No, changes are limited to IRSapproved Change in Status Events page 10 of 20 *Subject to proration Previous Next Home How To 2016 Updates Medical Health Spending Accounts Dental & Vision D E N TA L & V I S I O N P L A N DCSA Appendix overview Dental Plan Highlights Our Dental Plan is a PPO plan administered by Aetna. It covers preventive care, including cleanings and X-rays, at 100% with no deductible. Basic and major services are covered at 80% and 50%, respectively, after you meet your deductible. 2016 Dental Plan Rates (bi-weekly): Our existing Dental Plan coverage will not change for 2016. Coverage Level Associate Pretax Rate Associate $10.45 Associate + Child $20.91 Associate + Children $28.22 Associate + Spouse/ Domestic Partner $20.91 Family $35.64 Vision Plan Highlights The EyeMed Vision Care Plan includes provisions for eye exams, contacts or lenses, and frames each Plan Year. 2016 Vision Plan Rates (bi-weekly): We have made some improvements to the Vision Plan! CarMax is increasing coverage for frames and contacts to $150/year, a $30 increase over last year! page 11 of 20 Coverage Level Associate Pretax Rate Associate $2.88 Associate + Child $5.33 Associate + Children $8.03 Associate + Spouse/ Domestic Partner $5.76 Family $8.63 Previous Next Home How To 2016 Updates Medical Health Spending Accounts Dental & Vision DCSA Appendix D AY C A R E S AV I N G S A C C O U N T overview The Day Care Savings Account (DCSA) lets you set aside money through pretax payroll deductions for day care expenses. When you enroll in the DCSA program, you’ll be reimbursed for eligible expenses that occur during the Plan Year. You must enroll in the DCSA each year if you want to participate. Plan your spending You can set aside up to $5,000 for eligible out-of-pocket day care expenses in your DCSA. Carefully estimate your day care expenses for the Plan Year, and use the calculator worksheets on benefits.carmax.com to help you figure out how much you’ll need for the year. Please note that the $5,000 maximum is an IRS limitation per household, so if your spouse also has a DCSA, you will need to coordinate under this limitation. Your day care provider must claim the income for tax purposes in order for these expenses to be reimbursable from your DCSA. If you currently have a DCSA, claims for expenses incurred between March 1, 2015 and February 29, 2016 must be submitted for reimbursement no later than May 29, 2016. Any amounts you don’t use will be forfeited at the end of the Plan Year’s Run-out Period. IRS Limitations The IRS regulates flexible spending accounts, including the DCSA, to ensure highly-compensated employees do not reap significantly greater benefits than non-highly-compensated employees. Participants considered “highly compensated” may be subject to reduced or suspended contributions at any time to comply with these regulations. We will notify you if this applies to you. REMINDER: You must re-enroll in this account each year if you want to continue your participation. page 12 of 20 Previous Next Home How To 2016 Updates Medical Health Spending Accounts Appendix Core 60 Medical Plan Chart________________ 14 Select 70 Medical Plan Chart_______________ 15 Dental & Vision DCSA Appendix State Children’s Health Insurance Program (SCHIP) Special Enrollment Provisions Glossary of Terms _______________________ 17 If you or your children are eligible for Medicaid or CHIP and you’re eligible for health coverage under your Plan, your state may have a premium assistance program that can help pay for coverage, using funds from its Medicaid or CHIP programs. Examples of Claims ______________________ 18 For more information about these programs, please see your Open Enrollment materials and the SCHIP Notice available at benefits.carmax.com. Premium 80 Medical Plan Chart______________ 16 Who to Contact __ _______________________20 Women’s Health and Cancer Rights Act of 1998 If you have had or are going to have a mastectomy, you may be entitled to certain benefits under the Women’s Health and Cancer Rights Act of 1998 (WHCRA). For individuals receiving mastectomyrelated benefits, coverage will be provided in a manner determined in consultation with the attending physician and the patient for: Additional Disclosures – Please Review The following documents are available at benefits.carmax.com under Open Enrollment: • Enrollment Terms and Conditions •Dependent Eligibility Guidelines – Medical, Dental, & Vision Plans • Change in Status Events Please review these documents carefully. When you enroll in the CarMax benefit plans, you agree that you understand and accept the Enrollment Terms and Conditions. page 13 of 20 • All stages of reconstruction of the breast on which the mastectomy was performed; • Surgery and reconstruction of the other breast to produce a symmetrical appearance; • Prostheses; and • Treatment of physical complications of the mastectomy, including lymphedema. Coverage for these services is subject to deductible and coinsurance provisions just like other medical or surgical services covered by the Plan. Previous Next ➤ Medical Plan Decision Tool AETNA Core 60 In-Network* Out-of-Network Deductible Individual $2,000 Two Individuals $4,000 Family $6,000 Individual $5,000 Two Individuals $10,000 Family $15,000 Out-of-Pocket Maximums Individual $6,550 Family $13,100 Individual $12,000 Family $24,000 The full amount of the deductible must be satisfied before the Plan pays any benefits (Combined Medical and Prescription) CarMax contributions: Individual: $200 Two Individuals: $400 Family: $600 Health Savings Account (HSA) (Account can be used for both In-Network and Out-of-Network services) YOU PAY Physician Services YOU PAY IMPORTANT DETAILS: This summary provides Plan Highlights only. It is not intended to provide all information about the Plan. Refer to the Summary Plan Description (SPD) for more information. If the information provided here conflicts with the SPD, the SPD will prevail. * In-Network providers participate in the Aetna Choice® POS II Network. ** When you’re looking for a specialist in the Aetna network, look for the Aexcel® blue star designation. Providers with this mark meet certain quality and efficiency standards and offer you the best value. $0 for preventive visits 50% after deductible 40% after deductible‡/all other visits 50% after deductible Free n/a $40/visit n/a Retail Walk-In Clinics (e.g., CVS MinuteClinic®) 40% after deductible‡ 50% after deductible Specialist Office Visit** 40% after deductible‡ 50% after deductible Generic $0 after deductible‡ 50% after deductible Preferred Brand 40% after deductible‡ 50% after deductible Non-Preferred Brand Primary Care Physician (PCP) Office Visits (Family or General Practitioner, Internist, Pediatrician, OB/GYN) 24/7 Aetna Nurseline Teladoc Telephonic or Video Virtual Office Visit Diagnostic Lab and Basic Imaging (e.g., X-rays, ultrasounds) Complex Imaging (e.g., MRI/CT Scan/PET Scan) Hospital Services Inpatient Services, Outpatient Services/Ambulatory Surgery, Skilled Nursing Facility Services, Mental Health Services, Substance Abuse Services, and hospital labs and imaging 40% after deductible‡ 50% after deductible $0 50% after deductible Delivery and Newborn Care 40% after deductible‡ 50% after deductible 40% after deductible‡ 50% after deductible Urgent Care Center 40% after deductible‡ 50% after deductible Emergency Room*** 40% after deductible‡ 40% after deductible page 14 of 20 Retail (max 30-day supply) Generic Preferred Brand †† Prenatal Exams Covers maternity office visits; coinsurance applies for delivery and post-delivery services Up to 60 visits each/Plan Year 3-Tier Prescription Drug Program $25 copay after deductible is met 40% coinsurance, Min $50, Max $125 after deductible is met 40% coinsurance, Min $70, Max $175 after deductible is met Maintenance Choice (max 90-day supply) Maternity and Newborn Services Speech/Physical/Occupational Therapy *** If participants receive medical care in an emergency room and symptoms did not indicate an emergency, no benefits will be paid. Back to Aetna Medical Plan Options Non-Preferred Brand †† $50 copay after deductible is met 40% coinsurance, Min $100, Max $250 after deductible is met 40% coinsurance, Min $140, Max $350 after deductible is met Prescriptions on the Preventive Drug List are not subject to the deductible. Please note: All maintenance prescriptions must be purchased through CVS/caremark™ Maintenance Choice program. With Maintenance Choice, you can get your prescriptions by mail or at your local CVS. And, you’ll get 3 months of medication for the price of 2. †† Subject to Generics First Program ‡ You pay 100% of the cost until you reach your full deductible, which is based on your level of coverage. Previous Next ➤ Medical Plan Decision Tool AETNA Select 70 Deductible In-Network* Individual $1,700 Two Individuals $3,400 Family $5,100 (Account applies to both In-Network and Out-of-Network services) (Combined Medical and Prescription) Individual $4,250 Two Individuals $8,500 Family $12,750 CarMax contributions: Individual: $200 Two Individuals: $400 Family: $600 Health Reimbursement Account (HRA) Out-of-Pocket Maximums Out-of-Network Individual $6,550 Family $13,100 Physician Services * In-Network providers participate in the Aetna Choice® POS II Network. Individual $12,000 Family $24,000 YOU PAY YOU PAY $0 for preventive visits 50% after deductible $30 copay/all other visits 50% after deductible Free n/a $30 copay/visit n/a Retail Walk-In Clinics (e.g., CVS MinuteClinic®) $30 copay/visit 50% after deductible Specialist Office Visit** 30% after deductible 50% after deductible $0 30% after deductible Primary Care Physician (PCP) Office Visits (Family or General Practitioner, Internist, Pediatrician, OB/GYN) 24/7 Aetna Nurseline Teladoc Telephonic or Video Virtual Office Visit Diagnostic Lab and Basic Imaging (e.g., X-rays, ultrasounds) Complex Imaging (e.g., MRI/CT Scan/PET Scan) Retail (max 30-day supply) Preferred Brand 30% coinsurance, Min $40, Max $100 50% after deductible Non-Preferred Brand 30% coinsurance, Min $60, Max $150 Maintenance Choice (max 90-day supply) 30% after deductible 50% after deductible $0 50% after deductible Delivery and Newborn Care 30% after deductible 50% after deductible 30% after deductible 50% after deductible Urgent Care Center $60 copay/visit 50% after deductible Emergency Room*** $250 copay plus 30% after deductible $250 copay plus 30% after deductible page 15 of 20 3-Tier Prescription Drug Program 50% after deductible Prenatal Exams Covers maternity office visits; coinsurance applies for delivery and post-delivery services Up to 60 visits each/Plan Year ***If participants receive medical care in an emergency room and symptoms did not indicate an emergency, no benefits will be paid. $15 copay Maternity and Newborn Services Speech/Physical/Occupational Therapy ** When you’re looking for a specialist in the Aetna network, look for the Aexcel® blue star designation. Providers with this mark meet certain quality and efficiency standards and offer you the best value. Generic Hospital Services Inpatient Services, Outpatient Services/Ambulatory Surgery, Skilled Nursing Facility Services, Mental Health Services, Substance Abuse Services, and hospital labs and imaging IMPORTANT DETAILS: This summary provides Plan Highlights only. It is not intended to provide all information about the Plan. Refer to the Summary Plan Description (SPD) for more information. If the information provided here conflicts with the SPD, the SPD will prevail. Back to Aetna Medical Plan Options Generic $30 copay Preferred Brand†† 30% coinsurance, Min $80, Max $200 Non-Preferred Brand†† 30% coinsurance, Min $120, Max $300 Please note: All maintenance prescriptions must be purchased through CVS/caremark™ Maintenance Choice program. With Maintenance Choice, you can get your prescriptions by mail or at your local CVS. And, you’ll get 3 months of medication for the price of 2 — use the Health Care FSA to help you manage your prescription costs and save even more! †† Subject to Generics First Program Prescriptions are not subject to the deductible in the Select 70 Plan option. Previous Next ➤ Medical Plan Decision Tool AETNA Premium 80 Deductible Out-of-Pocket Maximums (Combined Medical and Prescription) In-Network* Out-of-Network Individual $600 Two Individuals $1,200 Family $1,800 Individual $1,800 Two Individuals $3,600 Family $5,400 Individual $6,550 Family $13,100 Individual $12,000 Family $24,000 YOU PAY Physician Services YOU PAY $0 for preventive visits 50% after deductible $20 copay/all other visits 50% after deductible Free n/a $20 copay/visit n/a Retail Walk-In Clinics (e.g., CVS MinuteClinic®) $20 copay/visit 50% after deductible Specialist Office Visit** $50 copay/visit 50% after deductible $0 50% after deductible 20% after deductible 50% after deductible 20% after deductible 50% after deductible Primary Care Physician (PCP) Office Visits (Family or General Practitioner, Internist, Pediatrician, OB/GYN) 24/7 Aetna Nurseline Teladoc Telephonic or Video Virtual Office Visit Diagnostic Lab and Basic Imaging (e.g., X-rays, ultrasounds) Complex Imaging (e.g., MRI/CT Scan/PET Scan) Hospital Services Inpatient Services, Outpatient Services/Ambulatory Surgery, Skilled Nursing Facility Services, Mental Health Services, Substance Abuse Services, and hospital labs and imaging Maternity and Newborn Services $0 50% after deductible Delivery and Newborn Care 20% after deductible 50% after deductible 20% after deductible 50% after deductible Urgent Care Center $40 copay/visit 50% after deductible Emergency Room*** $150 copay plus 20% after deductible $150 copay plus 20% after deductible Up to 60 visits each/Plan Year Back to Aetna Medical Plan Options page 16 of 20 * In-Network providers participate in the Aetna Choice® POS II Network. ** When you’re looking for a specialist in the Aetna network, look for the Aexcel® blue star designation. Providers with this mark meet certain quality and efficiency standards and offer you the best value. *** If participants receive medical care in an emergency room and symptoms did not indicate an emergency, no benefits will be paid. 3-Tier Prescription Drug Program Retail (max 30-day supply) Generic $10 copay Preferred Brand $35 copay Non-Preferred Brand $55 copay Maintenance Choice (max 90-day supply) Prenatal Exams Covers maternity office visits; coinsurance applies for delivery and post-delivery services Speech/Physical/Occupational Therapy IMPORTANT DETAILS: This summary provides Plan Highlights only. It is not intended to provide all information about the Plan. Refer to the Summary Plan Description (SPD) for more information. If the information provided here conflicts with the SPD, the SPD will prevail. Generic $20 copay Preferred Brand†† $70 copay Non-Preferred Brand†† $110 copay Please note: All maintenance prescriptions must be purchased through CVS/caremark™ Maintenance Choice program. With Maintenance Choice, you can get your prescriptions by mail or at your local CVS. And, you’ll get 3 months of medication for the price of 2 — use the Health Care FSA to help you manage your prescription costs and save even more! †† Subject to Generics First Program Prescriptions are not subject to the deductible in the Premium 80 Plan option. Previous Next Home How To 2016 Updates Medical Appendix Glossary of Terms Aexcel® Network – Aetna’s network of specialists in 12 common specialties who meet certain quality and efficiency standards. These specialists offer you the best value. Aexcel specialists can be found using aetna.com’s DocFind provider search tool —they have blue stars next to their names. Brand Prescription – A prescription medication that is made under a trademark. A brand-name drug typically costs more than a generic medication, despite having the same chemical composition. CVS/caremark™ has established a list of preferred brand prescriptions that have a lower out-of-pocket cost to you and to the Plan. Please refer to the CVS/caremark™ Performance Drug List on the Benefits website. Non-preferred brand prescriptions have a higher out-of-pocket cost to you and a higher cost to the Plan. Coinsurance – Your share of the costs of a covered health service, calculated as a percentage of the charges for the services. Coinsurance applies after you have met your deductible in full. Copay/Copayment – A fixed dollar amount you pay for a covered health care service, usually when you receive the service. Deductible – The amount you pay out-of-pocket for covered health care services before the plan begins to pay. The InNetwork and Out-of-Network deductibles are separate — if you have a medical situation that involves both In-Network and Out-of-Network services, you’ll be subject to both deductibles. Your deductible amount for you and your family depends on your chosen Plan coverage. Emergency Medical Condition – An illness, injury, symptom, or condition so serious that a reasonable person would seek care right away to avoid severe harm. Visits to emergency rooms should be limited to significant medical emergencies. If you get care in an emergency room and your symptoms did not indicate an emergency, no benefits will be paid. If you are admitted to the hospital or if surgery is performed, you must notify Aetna within 48 hours. page 17 of 20 Health Spending Accounts Dental & Vision DCSA Generic Prescription – A prescription medication that is not made under a trademark, but which contains the same chemical properties as its brand-name counterpart. Generics are a lowercost alternative that can save you and the Plan money. If your doctor prescribes a brand-name medication, ask if a generic is right for you. In-Network Provider – The facilities, providers, suppliers, and pharmacies that Aetna and CVS/caremark™ have contracted with to provide health care services. These are providers who participate in Aetna Choice® POS II (Open Access) network. Network providers have negotiated lower rates for services in order to save you and the Plan money. Maintenance Choice Prescription – The CVS/caremark™ program that provides you with two choices for receiving your maintenance medications: via convenient home delivery through Mail Order or by purchasing a 90-day supply through your local CVS pharmacy. The Medical Plan requires all maintenance medications to be purchased through Maintenance Choice. Other Covered Services – Medical Plan services such as hospital services, mental health services, inpatient or outpatient surgery, chiropractic or other therapy services, etc. These services are generally subject to the Plan’s deductible and coinsurance. Out-of-Pocket Maximum – This is the total amount you will pay on your own. Once you reach the Plan’s out-of-pocket maximum, the Plan will pay 100 percent of covered services. The out-of-pocket maximum includes the Plan’s deductible, copays, and coinsurance. The In-Network and Out-of-Network out-of-pocket maximums are separate and do not cross-accumulate. If you have a medical situation that involves In-Network and Out-of-Network services, you’ll pay toward both maximums separately. Preventive Drug List – A list of preventive prescriptions established by CVS/caremark™ and approved for copayments while meeting your deductible in High Deductible Health Plans (the Core 60 Plan). If your prescription is included on this list, it will be subject to the standard copayment, including minimums and maximums, that would apply after you reach your deductible. Find this list on the Benefits website. Appendix Primary Care Physician/Office Visit – Visit your Primary Care Physician regarding all of your health issues and for help managing your overall health. Your Primary Care Physician should handle your annual physical, any health concerns, and coordinate treatment plans. Reasonable and Customary (Recognized) Charges The amount paid for a medical service in a geographic area based on what providers in that area usually charge for the same or similar medical service. This amount is determined by Aetna or CVS/caremark™, as applicable. Reasonable and Customary (Recognized) Charges are typically only applied when Outof-Network providers are used for the purpose of determining provider and participant reimbursement amounts. Specialist Office Visit – If you need to see a Specialist, use DocFind on the aetna.com website and look for the blue star; this designates the Provider as a member of the Aexcel® Network, which means they have been recognized by Aetna as a highquality, cost-effective provider. Urgent Care Clinic – Facilities for treatment of non-lifethreatening injuries or illnesses, such as fractures, whiplash, sport injuries, falls, cuts and minor lacerations, allergies, infections, and minor burns. These are often freestanding buildings that have a physician on site and accept walk-ins. Costs are typically higher than Retail Walk-In Clinics or a Primary Care Physician visit. Walk-In Clinics – Non-emergency health facilities, usually located inside retail stores, such as CVS MinuteClinic®. Visit one of these clinics if you have the need for immediate care that is not urgent (cold/flu symptoms, rashes, or basic infections), or if you need a wellness exam or a routine physical. 24-Hour Nurseline – Aetna offers its Plan members a free, 24-Hour Nurseline to help you anytime — day or night. Just call (800) 556-1555 and select the option to speak with a nurse. You’ll be connected to a trained professional who can explain medical procedures and treatment options and determine if you need immediate care or if you can wait to see your doctor during normal business hours. Previous Next Home How To 2016 Updates Medical Appendix Examples of Claims SPECIALIST OFFICE VISIT Member goes to an In-Network Orthopedic surgeon for an office visit. The cost of the office visit is $400. Member has Associate-only coverage. Core 60 • Member must meet the $2,000 deductible (HSA can be used to pay toward the cost) • If the member has not met the deductible, he pays $400 •If the member has met the deductible, he pays 40% of the cost: 40% X $400 = $160 Select 70 • Member must meet $1,700 deductible (HRA pays for $200 of the cost) • If the member has not met the deductible, he pays $200 ($400-$200) •After the member has met the deductible, he pays 30% of the remaining cost: 30% X $400= $120 Premium 80 • Member pays $50 copay page 18 of 20 Dental & Vision Health Spending Accounts DCSA Appendix OUTPATIENT SURGERY CLAIM Member has outpatient surgery at an In-Network facility. Total cost is $10,000. Member has Family coverage. In the Core 60 Plan, the deductible for the level of coverage must be met before the Plan starts to pay benefits. In the Select 70 and Premium 80 Plans, only the individual deductible must be met before the Plan starts to pay benefits. Core 60 • Member must meet the $6,000 deductible (HSA can be used to pay toward the cost) • If the member has not met the deductible, he pays $6,000 • After the member has met the deductible, member pays 40% of the remaining cost: $10,000 total cost - $6,000 Family deductible = $4,000 X 40% = $1,600. Member pays the total of $6,000 + $1,600 = $7,600. Since the out-of-pocket maximum is $6,550, member only pays $6,550. Select 70 • Member must meet the $1,700 individual deductible (HRA pays for $600 of the cost) • If the member has not met the individual deductible, he pays $1,100 ($1,700-$600) • fter the member has met the individual deductible, member pays 30% of the A remaining cost: $10,000 total cost - $1,700 deductible = $8,300 X 30% = $2,490. Member pays the total of $1,100 + $2,490 = $3,590. Premium 80 • Member must meet the $600 individual deductible • If the member has not met the individual deductible, he pays $600 • fter the member has met the individual deductible, member pays 20% of the A remaining cost: $10,000 total cost - $600 deductible = $9,400 X 20% = $1,880. Member pays the total of $600 + $1,880 = $2,480. Previous Next Home How To 2016 Updates Medical Health Spending Accounts Dental & Vision DCSA Appendix Appendix EXAMPLES OF CL AIMS cont’d HAVING A BABY Member is having a baby at an In-Network hospital. The total cost of the delivery is $7,500. Member has Associate-only coverage. Core 60 • Member must meet the $2,000 deductible (HSA can be used to pay toward the cost) • If the member has not met the deductible, she pays $2,000 •After the member has met the deductible, she pays 40% of the remaining cost: $7,500 total cost - $2,000 deductible = $5,500 X 40% = $2,200. Member pays the total of $2,000 + $2,200 = $4,200. Select 70 • Member must meet the $1,700 deductible (HRA account pays for $200 of the cost) • If the member has not met the deductible, she pays $1,500 •After the member has met the deductible, she pays 30% of the remaining cost: $7,500 total cost - $1,700 deductible = $5,800 X 30% = $1,740. Member pays the total of $1,500 + $1,740 = $3,240. Premium 80 • Member must meet the $600 deductible • If the member has not met the deductible, she pays $600 • After the member has met the deductible, she pays 20% of the remaining cost: $7,500 - $600 deductible = $6,900 X 20% = $1,380. Member pays the total of $600 + $1,380 = $1,980. page 19 of 20 Previous Next Home How To 2016 Updates Medical Health Spending Accounts Dental & Vision DCSA Appendix Appendix Who to Contact If you need more information or copies of the Open Enrollment materials, please contact the MYKMXHR Service Center at (888) 695-6947 or visit benefits.carmax.com. Eligibility and Process Questions MYKMXHR Service Center: (888) 695-6947 Aetna Choice® POS II Medical Plan Member Services: (866) 498-5004 Online: aetna.com EyeMed Vision Care Plan Member Services: (866) 723-0514 Online: eyemedvisioncare.com For questions about your Health Spending Account, your Health Savings Account or your Day Care Savings Account WageWorks® Member Services: (877) 924-3967 Online: wageworks.com/carmax For contact information for our other benefit providers, please refer to “Connections @A Glance” at benefits.carmax.com. CVS/caremark™ — Prescription Drug Program Member Services: (855) 361-8564 Online: caremark.com Aetna Dental PPO Plan Member Services: (866) 498-5004 Online: aetna.com page 20 of 20 Previous