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 4 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