2016 | employee benefit highlights

Transcription

2016 | employee benefit highlights
CITY OF
MARGATE
2016 | EMPLOYEE BENEFIT HIGHLIGHTS
IMPORTANT CONTACT INFORMATION
Service
Provider
Contact Information
Medical Insurance
Cigna
Customer Service: (800) 244-6224
www.cigna.com
Prescription Mail-Order Program
Cigna Home Delivery Pharmacy
Customer Service: (800) 285-4812
www.cigna.com
Dental Insurance
Cigna
Customer Service: (800) 244-6224
www.cigna.com
Vision Insurance
Cigna
Customer Service: (877) 478-7557
www.cigna.com
Basic Life and AD&D Insurance
Cigna
Customer Service: (800) 732-1603
www.cigna.com
Voluntary Life and AD&D Insurance
Cigna
Customer Service: (800) 732-1603
www.cigna.com
Long Term Disability Insurance
Cigna
Customer Service: (800) 362-4462
www.cigna.com
Employee Assistance Program
Cigna Behavioral Health
Customer Service: (877) 622-4327
www.cignabehavioral.com
Online Benefit Enrollment / Website
BenTek Support
(888) 5-BenTek (523-6835)
www.mybentek.com/cityofmargate
General inquiries may be directed to the Human Resources Team.
Name
Position
Phone
Email
Jackie Wehmeyer
Director, Human Resources
(954) 935-5343
[email protected]
Laura Pastore
Risk Manager
(954) 935-5271
[email protected]
Paul Addotta
Human Resources Specialist
(954) 935-5275
[email protected]
Cindy Lavish
Human Resources Specialist
(954) 935-5270
[email protected]
Leslie Russell
Payroll & Benefits Supervisor
(954) 935-5386
[email protected]
Elizabeth Dann
Payroll & Benefits Specialist
(954) 935-5345
[email protected]
CITY OF MARGATE — 2016 EMPLOYEE BENEFIT HIGHLIGHTS
Table of Contents
Introduction. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1
Notices. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1
Online Benefit Enrollment. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2
Medical Insurance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3
Group Insurance Eligibility. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4
Qualifying Events and IRS Code Section 125. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5
Medical Insurance Premiums. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6
How To Locate A Provider. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6
Other Available Plan Resources. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7
Vision Discount Program. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7
Medical Insurance: Cigna OAPIN (HMO Low) Plan At-A-Glance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8
Medical Insurance: Cigna OAPIN (HMO High) Plan At-A-Glance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9
Medical Insurance: Cigna OAP (POS) Plan At-A-Glance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10
Dental Insurance: Cigna Dental Care DHMO Plan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
Dental Insurance: Cigna Dental Care DHMO Plan At-A-Glance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12
Dental Insurance: Cigna Dental PPO Plan. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13
Dental Insurance: Cigna Dental PPO Plan At-A-Glance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14
Vision Insurance: Cigna Vision Buy Up Plan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15
Vision Insurance: Cigna Vision Buy Up Plan At-A-Glance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16
Basic Life and AD&D Insurance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17
Voluntary Supplemental Life . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17-18
Long Term Disability Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18
Employee Assistance Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19
Notes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20
CITY OF MARGATE — 2016 EMPLOYEE BENEFIT HIGHLIGHTS
Introduction
The City of Margate provides a comprehensive compensation package including group insurance benefits. The Employee Benefit
Highlights Booklet provides a general summary of these benefit options as a convenient reference. Please refer to the City’s
Personnel Policies, the appropriate collective bargaining agreements, and/or Certificates of Coverage for detailed descriptions of
all available employee benefit programs and stipulations therein. If you require further explanation or need assistance regarding
claims processing, please refer to the customer service phone numbers under each benefit description heading or contact Human
Resources for further information.
Notices
COBRA Continuation of Medical Coverage Benefits
Medicare Part D Creditable Coverage
Under the Consolidated Omnibus Budget Reconciliation
Act (COBRA), employees and/or dependents may be able
to continue their enrollment in certain health plans such as
medical, dental and vision if such coverage is terminated or
changed due to a qualifying event.
The City of Margate’s prescription drug coverage(s) is
considered Creditable Coverage under Medicare Part D. If
you or your dependents are or will be eligible for Medicare,
you may obtain more information by requesting a Medicare
Part D Disclosure of Creditable Coverage Notice.
Notice of Privacy Practice of The City of Margate
The Privacy Notice of the City is available and you can obtain a copy by contacting Human Resources.
More information is available on the above notices by contacting Human Resources.
1
All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract.
CITY OF MARGATE — 2016 EMPLOYEE BENEFIT HIGHLIGHTS
Online Benefit Enrollment
BenTek
https://www.mybentek.com/cityofmargate
Technical Support - Email: [email protected]
Technical Support - Phone: (888) 5-BenTek (523-6835)
Online Enrollment with BenTek!
The City provides an electronic enrollment through BenTek’s Employee Benefits Center (EBC). The EBC provides benefit-eligible
employees the ability to make group insurance benefit elections and changes online during the annual open enrollment, new hire
orientation, and qualifying events module.
To access the Employee Benefits Center during open enrollment:
•• Log on to https://www.mybentek.com/cityofmargate
•• Log in with your BenTek username and password.
•• If you forget your username and/or password, click on the link “Forgot Username” or “Forgot Password” and follow the
instructions. (Human Resources will not have access to this information).
•• Enter BenTek to review current elections, learn about your benefit options, and make any elections or changes.
•• You may also submit and update your life insurance beneficiary designation(s).
You have the option to print out your enrollment confirmation statement containing all your benefit elections for you and your
family, including your life insurance beneficiary designations at any time during the plan year.
Accessible 24 hours a day during the open enrollment process, information about all of your employee benefits election options,
including premiums and carrier contact information, is also available to help you make informed decisions. You can also log on to
the EBC at any time to review your benefits, access carrier links, update life insurance beneficiaries and report qualifying events.
If any technical questions arise while visiting the EBC, please email BenTek Support at [email protected] or call
(888) 5-BenTek (523-6835), Monday through Friday, during regular business hours.
*BenTek Tip* – Link must be addressed exactly as written
(Due to security reasons, the website cannot be accessed by Google or other search engines.)
All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract.
CITY OF MARGATE — 2016 EMPLOYEE BENEFIT HIGHLIGHTS
2
Medical Insurance
Summary of Benefits and Coverage
A Summary of Benefits & Coverage (SBC) for each Medical Plan Option is provided as a
supplement to this booklet which is being distributed to new hires and existing employees
during open enrollment. These summaries are an important item in understanding your
benefit options. A free paper copy of the SBC documents are available upon request or may
be obtained as follows:
From:
City of Margate Human Resources
Address:
5790 Margate Blvd.
Margate, FL 33063
Phone:
(954) 935-5270
Through the enrollment software – BenTek: www.mybentek.com/cityofmargate
The SBC is only a summary of the plan’s coverage. A copy of the plan document, policy, or
certificate of coverage should be consulted to determine the governing contractual provisions
of the coverage. A copy of the actual group certificate of coverage can be reviewed and
obtained by contacting Human Resources or at the following web address:
www.mybentek.com/cityofmargate.
If you have any questions about the plan offerings or coverage options, please contact
Human Resources at (954) 935-5270.
3
All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract.
CITY OF MARGATE — 2016 EMPLOYEE BENEFIT HIGHLIGHTS
Group Insurance Eligibility
The City of Margate’s group insurance plan year is January 1st through December 31st.
Employee Eligibility
Employees are eligible to participate in the City’s insurance plans if they are benefit eligible employees working a minimum of 30
hours per week. Coverage will be effective the 1st of the month following 30 days of employment. For example: If you are hired on
April 11th, your coverage will be effective on June 1st. If you separate employment from the City, insurance will continue through
the end of the month in which the separation occurred.
Dependent Eligibility
A dependent is defined as the legal spouse, domestic partner and/or dependent child(ren) of the participant spouse or domestic
partner. The term “child” includes any of the following:
••
A natural child
••
A foster child
••
A stepchild
••
••
A legally adopted child
A newborn of a covered dependent
(up to 18 months - Florida)
••
A child for whom legal guardianship has been
awarded to the participant or the participant’s
spouse/domestic partner
Medical Coverage: Dependent children may be covered through the end of calendar year in which they turn 26.
Overage Dependents may continue to be covered on the medical plan to the end of the calendar year in which the dependent
reaches the age of 30, if the dependent meets the following requirements:
•• Unmarried with no dependents; AND
•• A Florida resident, or full-time or part-time student; AND
•• Otherwise uninsured; AND
•• Not entitled to Medicare benefits under Title XVIII of the Social Security Act, unless the child is handicapped.
Please see Taxable Dependents below if covering eligible over age dependents over age 26.
Dental Coverage: Eligible dependent children may be covered through the end of calendar year in which they turn 26.
Vision Coverage: Eligible dependent children may be covered through the end of calendar year in which they turn 26.
Disabled Dependents
Coverage for an unmarried dependent child may be continued beyond age 26 if:
1.
2.
3.
4.
The dependent is physically or mentally disabled and incapable of self-sustaining employment (prior to age 26); AND
The dependent is otherwise eligible for coverage under the group medical plan; AND
The dependent has been continuously insured and coverage beginning prior to age 26; AND
Proof of dependent’s disability may be required. Please contact Human Resources if further clarification is required.
Taxable Dependents
Employees covering adult children under their medical insurance plan may continue to have the related coverage premiums payroll deducted
on a pre-tax basis through the end of the calendar year in which the child reaches age 26. Beginning January 1st of the calendar year in which
the child reaches age 27 through the end of the calendar year in which the child reaches age 30, imputed income for the value of the applicable
adult child’s coverage for the coverage period must be reported on the employee’s W-2. Imputed income is the dollar value of insurance
coverage attributable to covering the adult child. There is no imputed income if an adult child is eligible to be claimed as a dependent for federal
income tax purposes on the employees tax return. Check with Human Resources for further details if you are covering an adult child who will
turn 27 any time in the upcoming calendar year, a signed Over Age Dependent Affidavit will be required in order to continue coverage.
Domestic Partner
Domestic Partners may be eligible to participate in the City’s group insurance plans and will be required to complete an HR/Affidavit
of Domestic Partnership. The form must be turned into the Human Resources Department along with the supporting documentation
required on the affidavit, for review and approval, to be eligible for domestic partner insurance benefits. IRS guidelines state that an
employee may not receive a tax advantage on any portion of premium paid, related to domestic partner coverage. Employees insuring
domestic partners and/or child dependents of a domestic partner, will see the insurance premium deductions on a post-tax basis and
any amount subsidized by the employer will be reported as “imputed income” to the employee. You may contact Human Resources
for further details and rates if you are covering a domestic partner at any time during the upcoming plan year.
All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract.
CITY OF MARGATE — 2016 EMPLOYEE BENEFIT HIGHLIGHTS
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Qualifying Events and IRS Code Section 125
IRS Code Section 125
Premiums for medical, dental and vision plans insurance are deducted through a Cafeteria Plan established under Section 125 of
the Internal Revenue Code (IRC) and are pre-tax to the extent permitted. Under Section 125, changes to your pre-tax benefits can
be made ONLY during the Open Enrollment period unless you or your qualified dependents experience a qualifying event and the
request to make a change is made within 30 days of the qualifying event.
Under certain circumstances, you may be allowed to make changes to your benefits elections during the Plan Year, if the event
affects your own, your spouse’s, or your dependent’s coverage eligibility. An “eligible” qualifying event is determined by the
Internal Revenue Service (IRS) Code, Section 125. Any requested changes must be consistent with and on account of qualifying
event.
Examples of qualifying events
••
••
••
••
••
••
••
••
••
••
••
••
You get married or divorced
Birth of a child
Your spouse and/or other dependent(s) die(s)
You gain legal custody or adopt a child
You, your spouse, or dependent(s) terminate or start employment
An increase or decrease in your work hours causes eligibility or ineligibility
A covered dependent no longer meets eligibility criteria for coverage
A child gains or loses coverage with an ex-spouse
Change of coverage under an employer’s plan
Gain or loss of Medicare coverage
Losing eligibility for coverage under a State Medicaid or CHIP (including Florida Kid Care) program (60 day notification period).
Becoming eligible for State premium assistance under Medicaid or CHIP (60 day notification period).
IMPORTANT
If you experience a qualifying event, you must contact Human Resources within 30 days of the qualifying event to make
the appropriate changes to your coverage. Beyond 30 days, requests will be denied and the employee may be responsible both
legally and financially for any claim and/or expense incurred as a result of the employee or a dependent who continues to be
enrolled but no longer meets eligibility requirements. If approved, changes will take place on the first of the month following
the qualifying event, except for newborns which are effective on the date of birth. Any cancellations will be processed at the
end of the month, except coverage following a death which terminates the subsequent day. You will be required to furnish
valid documentation supporting a change in status or “Qualifying Event.”
5
All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract.
CITY OF MARGATE — 2016 EMPLOYEE BENEFIT HIGHLIGHTS
Medical Insurance Premiums
The Summary of Benefits and Coverage (SBC), provided in addition to this Employee Benefit Highlights Booklet is your primary source of
information regarding your plans. The information contained in this Booklet regarding your medical plan is intended to supplement your SBC
and accompanying definitions. If any information in this booklet unintentionally conflicts with the SBC or accompanying definitions, the SBC
information prevails. If you have any additional questions regarding the plan please contact Cigna’s Customer Service at (800) 244-6224.
The City now offers medical insurance through Cigna to benefit eligible employees. The costs per pay period for coverage are listed
in the premium tables below for employees in all groups except those covered by the collective bargaining agreement with the IAFF.
For information about your medical plan please refer to the Summary of Benefits and Coverage (SBC) provided.
Medical Insurance – Cigna OAPIN (HMO Low) Plan
26 Payroll Deductions
Tier of Coverage
Employee Cost
City Cost
Total Premium
Employee Only
$64.23
$172.44
$236.67
Employee + Family
$116.15
$525.22
$641.37
Medical Insurance – Cigna OAPIN (HMO High) Plan
26 Payroll Deductions
Employee Cost
City Cost
Total Premium
Employee Only
Tier of Coverage
$93.85
$187.65
$281.50
Employee + Family
$178.08
$584.78
$762.86
Medical Insurance – Cigna OAP (POS) Plan
26 Payroll Deductions
Tier of Coverage
Employee Cost
City Cost
Total Premium
Employee Only
$101.54
$171.81
$273.35
Employee + Family
$193.46
$547.32
$740.78
How To Locate A Provider
To search for a participating provider, contact Customer Service or visit www.cigna.com. Click the “Find a Doctor” tab, select “If
your Insurance Plan is Offered Through Work or School... Find a Doctor or Dentist Using This Directory.” Next, under “Select
a Plan,” click “Pick,” choose “Open Access Plus OA Plus, Choice Fund OA Plus” as your plan type and click “Choose.”
Complete the additional search criteria, then “Search.”
All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract.
CITY OF MARGATE — 2016 EMPLOYEE BENEFIT HIGHLIGHTS
6
Other Available Plan Resources
Cigna offers to all enrolled members and dependents additional services and discounts through value added programs. For more
details regarding other available plan resources, please refer to your Summary of Benefits and Coverage (SBC), contact
Cigna’s Customer Service at (800) 244-6224 or visit www.cigna.com.
Vision Discount Program
Cigna
Customer Service: (877) 478-7557
www.cigna.com
The City provides a vision discount plan through Cigna when enrolled in one of the group’s medical plans. The vision discount plan
benefits are highlighted below. For detailed coverages, exclusions and stipulations, please refer to the carrier’s benefit summary or
contact Customer Service.
In Network Only Benefits
The vision care discount plan provides you and your covered dependents with a routine eye exam, eyeglasses (lenses and frames) or
contact lenses at a discounted rate. To schedule an appointment, covered members can select any optometrist or ophthalmologist that
participates in the Cigna Vision Network only. At the time of service, routine vision examination services and basic optical needs will be
discounted as shown on the summary below. Cosmetic services and upgrades will be an additional charge.
There is no coverage for services provided by a non-participating network provider.
Frequency of Services (Per Calendar Year)
In Network
Eye Exam
24 Months
Services
In Network
Eye Exam
$15 Copay
Lenses
In Network
Single
20% Discount
Bifocal
20% Discount
Trifocal
20% Discount
Frames
Reimbursement
20% Discount
Contact Lenses
In Network
Non-Elective (Medically Necessary)
20% Discount
Elective
20% Discount
Lasik
Discount Program (Call for Details)*
* Contact Cigna at (877) 478-7557 for Discount Program Details and Questions.
7
All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract.
CITY OF MARGATE — 2016 EMPLOYEE BENEFIT HIGHLIGHTS
Medical Insurance: Cigna OAPIN (HMO Low) Plan At-A-Glance
The Summary of Benefits and Coverage (SBC), provided in addition to this Employee Benefit Highlights Booklet, is your primary source of
information regarding your Cigna medical plan. The information contained in this Booklet regarding your medical plan is intended to supplement
your SBC and accompanying definitions. If any information in this booklet unintentionally conflicts with the SBC or accompanying definitions,
the SBC information prevails. If you have any additional questions regarding the plan please contact Cigna’s Customer Service at (800) 244-6224.
Network
Open Access Plus
Calendar Year Deductible (CYD)*
In Network
Single
$1,000
Family
$2,000
Coinsurance
In Network
Member Responsibility
20%
Calendar Year Out-of-Pocket Limit
In Network
Single
$5,000
Family
$10,000
What Applies to the Out-of-Pocket Limit?
Deductible, Coinsurance, Copays and Rx
Physician Services
In Network
Primary Care Physician (PCP) Office Visit
$15 Copay
Specialist Office Visit
$15 Copay
Freestanding Facility; Non-Hospital Services
In Network
Clinical Lab (Blood Work): LabCorp or Quest**
No Charge
X-rays
No Charge
Advanced Imaging (MRI, PET, CT) - Per Scan
$15 Copay + 20% After CYD
Outpatient Surgery in Surgical Center
20% After CYD
Physician Services at Surgical Center
20% After CYD
Hospital Services
In Network
Inpatient Hospital (Per Admission)
20% After CYD
Outpatient Hospital (Per Visit)
20% After CYD
Physician Services at Hospital
20% After CYD
Emergency Room (Per Visit; Waived if Admitted)
$100 Copay
Urgent Care (Per Visit)
$50 Copay
Mental Health / Alcohol & Substance Abuse
In Network
Inpatient (Per Admission)
20% After CYD
Outpatient (Per Visit)
$15 Copay
Prescription Drugs (Rx)
In Network
Generic
No Charge
Preferred Brand Name
$30 Copay
Non-Preferred Brand Name
$90 Copay
Mail-Order Drug (90 Day Supply)
2.5 Copays
*Copayments do not apply towards the Calendar Year Deductible.
**LabCorp and Quest Diagnostics are the preferred labs for blood work through Cigna. When using a lab other than LabCorp or
Quest, please be sure to confirm they are contracted with Cigna’s Open Access Plus Network prior to receiving services.
Please Note the Following:
•• Services received by providers or facilities not in the Cigna Open Access Plus Network will be denied.
•• Prior authorizations may be required before certain services can be received. If prior authorization is required and not obtained
prior to receiving the services, the claim could be denied and all charges will be your responsibility.
All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract.
CITY OF MARGATE — 2016 EMPLOYEE BENEFIT HIGHLIGHTS
8
Medical Insurance: Cigna OAPIN (HMO High) Plan At-A-Glance
The Summary of Benefits and Coverage (SBC), provided in addition to this Employee Benefit Highlights Booklet, is your primary source of
information regarding your Cigna medical plan. The information contained in this Booklet regarding your medical plan is intended to supplement
your SBC and accompanying definitions. If any information in this booklet unintentionally conflicts with the SBC or accompanying definitions,
the SBC information prevails. If you have any additional questions regarding the plan please contact Cigna’s Customer Service at (800) 244-6224.
Network
Open Access Plus
Calendar Year Deductible (CYD)*
In Network
Single
Does Not Apply
Family
Does Not Apply
Coinsurance
In Network
Member Responsibility
0%
Calendar Year Out-of-Pocket Limit
In Network
Single
$2,000
Family
$4,000
What Applies to the Out-of-Pocket Limit?
Deductible, Coinsurance, Copays and Rx
Physician Services
In Network
Primary Care Physician (PCP) Office Visit
$15 Copay
Specialist Office Visit (No Referral Required)
$15 Copay
Freestanding Facility; Non-Hospital Services
In Network
Clinical Lab (Blood Work): LabCorp or Quest**
No Charge
X-rays
No Charge
Advanced Imaging (MRI, PET, CT) - Per Scan
$15 Copay
Outpatient Surgery in Surgical Center
$50 Copay
Physician Services at Surgical Center
No Charge
Hospital Services
In Network
Inpatient Hospital (Per Admission)
$250 Copay
Outpatient Hospital (Per Visit)
$50 Copay
Physician Services at Hospital
No Charge
Emergency Room (Per Visit; Waived if Admitted)
$100 Copay
Urgent Care (Per Visit)
$25 Copay
Mental Health / Alcohol & Substance Abuse
In Network
Inpatient (Per Admission)
$250 Copay
Outpatient (Per Visit)
$15 Copay
Prescription Drugs (Rx)
In Network
Generic
No Charge
Preferred Brand Name
$30 Copay
Non-Preferred Brand Name
$90 Copay
Mail-Order Drug (90 Day Supply)
2.5 Copays
*Copayments do not apply towards the Calendar Year Deductible.
**LabCorp and Quest Diagnostics are the preferred labs for blood work through Cigna. When using a lab other than LabCorp or
Quest, please be sure to confirm they are contracted with Cigna’s Open Access Plus Network prior to receiving services.
Please Note the Following:
•• Services received by providers or facilities not in the Cigna Open Access Plus Network will be denied.
•• Prior authorizations may be required before certain services can be received. If prior authorization is required and not obtained
prior to receiving the services, the claim could be denied and all charges will be your responsibility.
9
All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract.
CITY OF MARGATE — 2016 EMPLOYEE BENEFIT HIGHLIGHTS
Medical Insurance: Cigna OAP (POS) Plan At-A-Glance
The Summary of Benefits and Coverage (SBC), provided in addition to this Employee Benefit Highlights Booklet, is your primary source of
information regarding your Cigna medical plan. The information contained in this Booklet regarding your medical plan is intended to supplement
your SBC and accompanying definitions. If any information in this booklet unintentionally conflicts with the SBC or accompanying definitions,
the SBC information prevails. If you have any additional questions regarding the plan please contact Cigna’s Customer Service at (800) 244-6224.
Network
Open Access Plus
Calendar Year Deductible (CYD)*
Single
Family
In Network
Out of Network
$300
$500
$600
$1,000
In Network
Out of Network
10%
30%
In Network
Out of Network
Single
$1,500
$2,000
Family
$3,000
$4,000
Coinsurance
Member Responsibility
Calendar Year Out-of-Pocket Limit
What Applies to the Out-of-Pocket Limit?
Physician Services
Deductible, Coinsurance, Copays and Rx
In Network
Out of Network***
Primary Care Physician (PCP) Office Visit
10% After CYD
30% After CYD
Specialist Office Visit (No Referral Required)
10% After CYD
30% After CYD
Freestanding Facility; Non-Hospital Services
In Network
Out of Network***
Clinical Lab (Blood Work): Quest or LabCorp**
10% After CYD
30% After CYD
X-rays
10% After CYD
30% After CYD
Advanced Imaging (MRI, PET, CT) - Per Scan
10% After CYD
30% After CYD
Outpatient Surgery in Surgical Center
10% After CYD
30% After CYD
Physician Services at Surgical Center
10% After CYD
30% After CYD
In Network
Out of Network***
Inpatient Hospital (Per Admission)
10% After CYD
30% After CYD
Outpatient Hospital (Per Visit)
10% After CYD
30% After CYD
Physician Services at Hospital
10% After CYD
30% After CYD
Emergency Room (Per Visit)
10% After CYD
10% After CYD
Urgent Care (Per Visit)
10% After CYD
10% After CYD
In Network
Out of Network***
10% After CYD
30% After CYD
In Network
Out of Network***
Hospital Services
Mental Health / Alcohol & Substance Abuse
Inpatient (Per Admission)
Outpatient (Per Visit)
Prescription Drugs (Rx)
Generic
$0 Copay
Preferred Brand Name
$30 Copay
Non-Preferred Brand Name
$90 Copay
Mail-Order Drug (90 Day Supply)
2.5 Copays
30% Coinsurance
*Copayments do not apply towards the Calendar Year Deductible.
**LabCorp and Quest Diagnostics are the preferred labs for blood work through Cigna. When using a lab other than LabCorp or
Quest, please be sure to confirm they are contracted with Cigna’s Open Access Plus Network prior to receiving services.
***Out of Network Balance Billing: For information regarding Out of Network Balance billing that may be charged by an out of
network provider, please refer to the Summary Benefits of Coverage (SBC).
Please Note: Prior authorizations may be required before certain services can be received. If prior authorization is required and not
obtained prior to receiving the services, the claim could be denied and all charges will be your responsibility.
All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract.
CITY OF MARGATE — 2016 EMPLOYEE BENEFIT HIGHLIGHTS
10
Dental Insurance: Cigna Dental Care DHMO Plan
Cigna
Customer Service: (800) 244-6224
www.cigna.com
The City now offers dental insurance through Cigna. A brief
description of the Cigna Dental Care DHMO Plan is provided
below and the employee costs per pay period are shown on the
premium table to the right. A summary of benefits is provided
on the following page. For detailed coverages, exclusions and
stipulations, please refer to the carrier’s benefit summary or contact
Cigna’s Customer Service.
In-Network Benefits
Dental Insurance – Cigna Dental Care DHMO Plan
26 Payroll Deductions
Tier of Coverage
Employee Cost
Employee Only
$5.89
Employee + 1
$11.67
Employee + Family
$20.75
The dental DHMO plan is a manage care dental plan that allows you to receive services from a network provider and facilities only.
It requires you to select a Primary Dental Provider who participates in the Cigna Dental Care (HMO) Network to coordinate
your care. You will only be subject to copays from in-network dental providers. The DHMO plan’s copays are based on Cigna’s
discounted fee schedule.
Out-of-Network Benefits
The dental DHMO plan does not cover any services rendered by out-of network or non-contracted facilities or providers. You will
be responsible for all charges incurred by services received by an out-of-network facility or provider.
How to Locate a Provider
To search for a participating provider, contact Customer Service or visit www.cigna.com. Click the “Find a Doctor” tab, then
choose “If Your Insurance Plan Is Through Work Or School... Find A Doctor Or Dentist Using This Directory” box. Check the
“Dentist” tab and under “Select a Plan”, click “Pick.” Under “Dental Plans” choose the “Cigna Dental Care HMO” option, click
“Choose,” complete the additional search criteria and then click “Search.”
Calendar Year Deductible
The DHMO plan does not require you to meet a calendar year deductible before benefits begin.
Calendar Year Benefit Maximum
There is no benefit maximum with the DHMO plan.
Please Note the Following:
•• Each covered family member may receive up to 2 routine cleanings per calendar year under the preventive benefit. Members
can also receive 2 additional cleanings at the charge of a $50 copay.
•• Waiting periods and age limitations may apply for certain services.
•• Participants covering young children may be seen by a pediatric dental provider up to the child’s 7th birthday. Once the child
reaches age 7, a referral with medical reasons will be required prior to being seen by a pediatric dentist provider.
11
All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract.
CITY OF MARGATE — 2016 EMPLOYEE BENEFIT HIGHLIGHTS
Dental Insurance: Cigna Dental Care DHMO Plan At-A-Glance
Network
Dental Care (HMO)
Calendar Year Deductible (CYD)
In Network Only
Per Member
Does Not Apply
Per Family
Calendar Year Maximum
Class I Services: Diagnostic & Preventive
Code
In Network
Routine Oral Evaluation
0120
$0
1110/20
$0
Bitewing X-rays (2 Films)
0272
$0
Complete X-rays (1 Every 3 Years)
0210
$0
Fluoride Treatment (2 Per Year)
1208
$0
Sealants (Per tooth)
1351
$11
Emergency Care to Relieve Pain (During Regular Hours)
9110
$6
Class II Services: Basic Restorative
Code
In Network
Fillings (Amalgam)
2140/50/60
$0
Fillings (Composite)
2330/31/32
$0
Simple Extractions (Erupted Tooth/Exposed Root)
7140
$6
Oral Surgery (Removal of Impacted Tooth)
7240
$100
Root Canal Therapy (Molar)*
3330
$275
General Anesthesia (First 30 Minutes)
9220
$160
Class III Services: Major Restorative
Code
In Network
Bridges (Porcelain Fused to High Noble Metal)
6240
$210
Crowns (Porcelain Fused to High Noble Metal)
6750
$210
5110/20
$185 + Lab
Class IV Services: Orthodontia
Code
In Network
Benefit — Child to Age 19
8670
$1,464
Benefit — Adult
8670
$2,160
Retention
8680
$285
Pretreatment Services
8660
$125
Routine Cleanings (2 Per Year)
Dentures
*Excludes Final Restoration.
Please Note the Following:
•• Services received by providers or facilities not in the Cigna Dental Care (HMO) Network will be denied.
•• An office visit copay of $5 will be charged per visit, per member, in addition to any other applicable patient charges.
This benefits summary has been provided as a convenient reference. For details regarding all the
plan’s coverages, exclusions, and stipulations, contact Customer Service.
All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract.
CITY OF MARGATE — 2016 EMPLOYEE BENEFIT HIGHLIGHTS
12
Dental Insurance: Cigna Dental PPO Plan
Cigna
Customer Service: (800) 244-6224
www.cigna.com
The City now provides dental insurance through Cigna. A brief
description of the Cigna Dental PPO Plan is provided below and the
employee costs per pay period are shown on the premium table to
the right. A summary of benefits is provided on the following page.
For detailed coverages, exclusions and stipulations, please refer to
the carrier’s benefit summary or contact Cigna’s Customer Service.
Dental Insurance – Cigna Dental PPO Plan
26 Payroll Deduction
Tier of Coverage
Employee Cost
Employee Only
$17.55
Employee + Family
$59.15
In-Network Benefits
The dental PPO plan is “open access” and allows you to receive services from any dental provider without having to select a Primary
Dental Provider (PDP) or obtain a referral to a specialist. The dental PPO plan provides benefits for services received from in-network
and out-of-network providers. The network of participating dental providers the plan utilizes is the Cigna Total DPPO Network.
You will save more by utilizing a dental provider in this network. The Cigna Total DPPO Network includes any participating Cigna
Advantage or DPPO dental provider, however receiving services from a Cigna Advantage dental provider will result in greater out of
pocket savings. These participating dental providers have contractually agreed to accept Cigna’s Contracted Fee or “allowed amount”.
The Contracted Fee, or allowed amount, is the maximum amount a Cigna dental provider can charge a member for a service. You are
responsible for a Calendar Year Deductible (CYD) and then coinsurance, based on the plan’s charge limitations.
Please Note: As a Total DPPO dental member, you have the option to utilize a dentist that participates in either Cigna’s Advantage Network
or DPPO Network. However, members that use the Cigna Advantage Network will see additional cost savings from the added discount that is
allowed for using an Advantage network provider. You are responsible for verifying whether the treating dentist is an Advantage Dentist
or a DPPO Dentist.
Out-of-Network Benefits
Providers who do not contract with insurance carriers because they do not accept their discounted fees are referred to as
“nonparticipating” or “out of network”. Out-of-network benefits are used when members receive services by a Non-Cigna Dental
provider or facility. Understanding how your insurance company pays for out-of-network services is important because you will
usually pay more. Cigna reimburses out of network services based on what it determines the “Maximum Reimbursable Charge
(MRC)”. The MRC may vary by the type of participating Dentist. The MRC can be defined as the most common charge for a particular
dental procedure performed in a specific geographic area. The difference between the MRC amount and the dentist’s higher billed
charged amount is called “balance billing.” Balance billing is in addition to any applicable plan deductible or coinsurance
responsibility and will increase the amount you pay after you receive your maximum reimbursement for the provided service. Using
a Non-Cigna Dental provider will usually mean the highest out-of-pocket costs and there is no limit to the amount the dentist may
charge. You would be responsible for all dentist fees not covered by the plan’s contracted fees, when services are received from an
out of network provider or facility.
How to Locate a Provider
To search for a participating provider, contact Customer Service or visit www.cigna.com. Choose the “Find A Doctor” tab, under
“Select a Directory” choose the “If your insurance plan is offered through your work or school... Find a Doctor or Dentist using this
Directory” box. Next, click the “Dentist” tab and then pick under “Select a Plan.” Choose “Cigna Dental PPO or EPO”. Complete
the additional search criteria and click “Search.” Please know that from here you can filter your search findings further by selecting
“Advantage” or “DPPO.”
Calendar Year Deductible
There is a $50 individual and $150 family Calendar Year Deductible that must be met either in or out of network before most
benefits will begin. The deductible is waived for preventive services.
Calendar Year Benefit Maximum
Once each member incurs charges of $1,500, either in or out of network, the plan’s benefit maximum will be met and the member
will be responsible for future charges until the next calendar year. Preventive and Diagnostics services will accumulate towards
this benefit maximum.
13
All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract.
CITY OF MARGATE — 2016 EMPLOYEE BENEFIT HIGHLIGHTS
Dental Insurance: Cigna Dental PPO Plan At-A-Glance
Network
Cigna Total DPPO
Calendar Year Deductible (CYD)
In Network
Out of Network
Per Member
$50
Per Family
$150
Calendar Year Benefit Maximum
In Network
Per Member (Excludes Class I Services)
Class I Services: Diagnostic & Preventive
Out of Network
$1,500
In Network
Out of Network*
Plan Pays: 100%
Deductible Waived
Plan Pays: 100%
Deductible Waived
(Subject to Balance Billing)
In Network
Out of Network*
Plan Pays:
80% After CYD
Plan Pays:
80% After CYD
(Subject to Balance Billing)
In Network
Out of Network*
Plan Pays:
50% After CYD
Plan Pays:
50% After CYD
(Subject to Balance Billing)
In Network
Out of Network*
Routine Oral Exam (2 Per Year)
Routine Cleanings (4 Per Year)
Bitewing X-rays (2 Per Year)
Complete X-rays (1 Set Every 3 Years)
Class II Services: Basic Restorative
Fillings
Deep Cleaning
Simple Extractions
Endodontics (Root Canal Therapy)
Periodontics
Anesthetics
Emergency Care to Relieve Pain
Class III Services: Major Restorative
Oral Surgery
Surgical Extractions
Crowns
Dentures
Bridges
Class IV Services: Orthodontia
Lifetime Maximum
Benefit (Children to Age 19)
$1,000
Plan Pays:
50% Coinsurance
Plan Pays:
50% Coinsurance
(Subject to Balance Billing)
*Out-Of-Network Balance Billing: For information regarding Out-of-Network Balance Billing that may be charged by an out-ofnetwork provider for services rendered, please refer to the Out-of-Network Benefits section on the previous page.
Please Note the Following:
•• Each covered family member may receive up to 4 routine cleanings per calendar year under the preventive benefit.
•• Late entrant provisions, waiting periods, frequency and/or age limitations may apply for certain services.
•• It is recommended for members to request their provider to obtain a Pretreatment plan review when services are expected to
exceed $200 in costs.
This benefits summary has been provided as a convenient reference. For details regarding all the
plan’s coverages, exclusions, and stipulations, contact Customer Service.
All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract.
CITY OF MARGATE — 2016 EMPLOYEE BENEFIT HIGHLIGHTS
14
Vision Insurance: Cigna Vision Buy Up Plan
Cigna
Customer Service: (877) 478-7557
www.cigna.com
The City now offers vision insurance through Cigna. A brief
description of the Cigna Vision Buy Up Plan is provided below,
and the premium payroll deductions are shown on the table
to the right. A summary of benefits is provided on the following
page. For detailed coverages, exclusions and stipulations, please
refer to the carrier’s benefit summary or contact Cigna’s Customer
Service.
Vision Insurance – Cigna Vision Care Buy Up Plan
26 Payroll Deductions
Tier of Coverage
Employee Cost
Per Pay Period
Employee Only
$2.30
Employee + Family
$7.81
In Network Benefits
The vision plan offers you and your covered dependents
with coverage for routine eye care, including eye exams,
eyeglasses (lenses and frames) or contact lenses. To schedule
an appointment, covered members can select any network provider that participates in the Cigna Vision Network. At the time of
service, routine vision examinations and basic optical needs will be covered as shown on the plan’s schedule of benefits. Cosmetic
services and upgrades will be additional if chosen at the time of your appointment.
Out of Network Benefits
You may also choose to receive services from vision providers that do not participate in the vision network. If you go out of network
you would be required to make payment at the time of your appointment. Cigna will then reimburse you based on the plan’s out of
network reimbursement schedule upon receipt of proof of services rendered.
How to Locate a Provider
To search for a participating provider, contact Customer Service or visit www.cigna.com. Click the “Find a Doctor” tab, scroll down
to the “Additional Directories” section and under “Vision” click the “Cigna Vision Directory” link. Complete the search criteria
and click “Search.”
Calendar Year Deductible
There is no Calendar Year Deductible.
Calendar Year Out-of-Pocket Maximum
There is no Out-of-Pocket Maximum. However, there are benefit reimbursement maximums for certain services per Calendar Year.
Please Note: Member options, such as Lasik, UV coating, progressive lenses, etc. are not covered in full, but may be available at
a discount.
15
All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract.
CITY OF MARGATE — 2016 EMPLOYEE BENEFIT HIGHLIGHTS
Vision Insurance: Cigna Vision Buy Up Plan At-A-Glance
Services
In Network
Out of Network
Eye Exam
$10 Copay
Up to $45 Reimbursement
Materials
$10 Copay
Reimbursement Based on Type of Service
Frequency of Services
In Network
Out of Network
Examination
12 Months
Lenses
12 Months
Frames
12 Months
Contact Lenses
12 Months
Lenses
In Network
Out of Network
Single
$10 Copay
Up to $32 Reimbursement
Bifocal
$10 Copay
Up to $55 Reimbursement
Trifocal
$10 Copay
Up to $65 Reimbursement
Frames
In Network
Out of Network
$150 Retail Allowance
Up to $83 Reimbursement
Contact Lenses*
In Network
Out of Network
Non-Elective (Medically Necessary)
Paid In Full
Up to $210 Reimbursement
$150 Allowance
Up to $120 Reimbursement
Allowance
Elective (Fitting, Evaluation and Materials)
* Contact lenses are in lieu of spectacle lenses and a frame
All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract.
CITY OF MARGATE — 2016 EMPLOYEE BENEFIT HIGHLIGHTS
16
Basic Life and AD&D Insurance
Cigna
Customer Service: (800) 732-1603
www.cigna.com
Basic Term Life
The City provides Basic Term Life insurance for all benefit eligible employees through Cigna. Eligible employees will receive a
benefit amount of $35,000.
•• Benefit amounts are subject to the following age reduction schedule:
Reduced to 65% of the original amount at age 70
Accidental Death & Dismemberment
Accidental Death & Dismemberment (AD&D) insurance is also included, which pays in addition to the Basic Term Life benefit when
death occurs as a result of an accident. The AD&D benefit amount is equal to the Basic Term Life benefit. A partial benefit may also
be payable based on the schedule of benefits. For detailed coverages, exclusions, and stipulations contact Cigna Customer Service.
Basic Dependent Life Insurance coverage is optional at the cost of $2.00 per month, and provides spouse and child(ren) coverage
(6 months to age 19) in the amount of $5,000 (coverage for children under 6 months old is $500).
•• Spouse coverage will terminate upon the date the employee attains age 70.
Always remember to keep your beneficiary updated.
You may update your beneficiary forms at any time through www.mybentek.com/cityofmargate.
Voluntary Supplemental Life
Cigna
Customer Service: (800) 732-1603
www.cigna.com
Voluntary Supplemental Employee Life
Eligible employees may elect to purchase additional life insurance on a voluntary basis through Cigna. This coverage may be
purchased in addition to the Basic Term Life coverage. Voluntary Supplemental Life Insurance offers coverage for yourself, spouse
or child(ren) at different benefit levels.
New Hires can purchase voluntary supplemental employee life insurance without having to
go through Medical Underwriting, also known as Evidence of Insurability (EOI), up to the
Guaranteed Issue amount of $100,000.
••
••
••
••
••
••
17
Units can be purchased in increments of $10,000, up to 5 times your annual salary with a maximum benefit of $300,000.
Coverage may be increased by one $10,000 increment during the annual open enrollment period, up to the Guaranteed Issue
amount, with no Evidence of Insurability required.
Benefit amounts are subject to the following age reduction schedule:
Reduced to 65% of the original amount at age 70
Rates are subject to increase annually and are based on the employee’s age band.
Beneficiary information can be updated through Human Resources or by logging onto BenTek.
Coverage will end upon retirement or termination with the City.
All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract.
CITY OF MARGATE — 2016 EMPLOYEE BENEFIT HIGHLIGHTS
Voluntary Supplemental Life (continued)
Voluntary Spouse Life Insurance
New Hires can purchase voluntary supplemental spouse life insurance without having to
go through Medical Underwriting, also known as Evidence of Insurability (EOI), up to the
Guaranteed Issue amount of $30,000.
••
••
••
••
••
Employees must participate in the voluntary plan for spouse to participate.
Units can be purchased in increments of $5,000, not to exceed a maximum of $150,000, however coverage cannot exceed 50%
of the employee’s voluntary life coverage amount.
Coverage may be increased by one $5,000 increment during the annual open enrollment period, up to the Guaranteed Issue
amount, with no Evidence of Insurability required.
Benefit amounts are subject to the following age reduction schedule based on the employees age:
Reduced to 65% of the original amount at age 70
Spouse coverage will terminate upon the date the employee attains age 70.
Dependent Child(ren) Life Insurance
••
••
••
Employees must participate in voluntary plan for dependent children to participate.
For eligible unmarried children, from 6 months up to age 19 (or to age 25 if a full-time student), you can elect coverage in
increments of $1,000 to a maximum of $10,000.
Child(ren) from birth to 6 months may be covered for a reduced benefit of $250.
Always remember to keep your beneficiary forms updated.
You may update your beneficiary forms at any time through
www.mybentek.com/cityofmargate.
Long Term Disability Insurance
Cigna
Customer Service: (800) 362-4462
www.cigna.com
Long Term Disability (LTD) Insurance may be provided to employees according to their collective bargaining agreement, through
Cigna. The LTD benefit pays you a percentage of your gross monthly earnings if you become disabled due to a non-work related
injury or illness.
LTD Plan Summary
••
••
••
••
••
••
LTD coverage provides a benefit of 60% of your monthly earnings to a maximum benefit of $6,000 per month.
An employee must be disabled for 180 days prior to becoming eligible for benefits (known as the elimination period).
Benefit payments will commence on the 181st day of disability.
You may continue to be eligible for benefits if you return to work on a part-time basis.
The maximum benefit period that your LTD benefits are payable, will be determined on your age at the time of the disability
occurring.
Benefits may be reduced by other income.
Please contact Human Resources for addition eligibility and benefit information.
All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract.
CITY OF MARGATE — 2016 EMPLOYEE BENEFIT HIGHLIGHTS
18
Employee Assistance Program
Cigna
Customer Service: (877) 622-4327
www.cignabehavioral.com
The City offers at no cost to all employees, an Employee Assistance Program (EAP) to you and each member of your family, through
Cigna. The EAP provides you and your family members with professional counseling for a variety of problems that affect your
quality of life. All EAP counselors are professionally trained and are certified / licensed in their fields. Master-level counselors are
available 24 hours a day, 7 days a week, at (877) 622-4327. The EAP also allows for 6 face to face in-person sessions with a
counselor for short-term problem resolution. Conditions that require a long-term treatment solution may be referred to your medical
plan.
What is an Employee Assistance Program?
The City cares about your well-being on and off the job and provides an EAP to give you a comfortable, safe place to turn for help
with problems such as:
••
••
••
Relationship issues
Substance abuse
Critical incident stress debriefing
••
••
••
Childcare consultation
Eldercare consultation
Marital problems
••
••
••
Financial and legal issues
Stress management
Parenting problems
Are your services confidential?
The EAP is strictly confidential within the limits of the law. Information shared with EAP professionals is protected under confidentiality
laws and cannot be shared with your employer without your consent.
19
All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract.
CITY OF MARGATE — 2016 EMPLOYEE BENEFIT HIGHLIGHTS
Notes
Use this section to make notes regarding your personal benefit plans or to keep track of important information such as doctor’s
names and addresses or prescription medications.
All benefits in this booklet are subject to change. This is an Employee Benefits Highlights Summary and not a contract. All benefits are subject to the provisions and exclusions of the master contract.
CITY OF MARGATE — 2016 EMPLOYEE BENEFIT HIGHLIGHTS
20
11505 Fairchild Gardens Ave., Suite 202
Palm Beach Gardens, Florida 33410
Toll Free: (800) 244-3696; Fax: (561) 626-6970
www.gehringgroup.com
FINAL – Last Modified:
November 17, 2015 10:08 AM