2013 Employee Benefits Guidebook - Administration Home

More documents

Recommendations

Info

Maximum Rollover Feature: With Maximum Rollover, Guardian will roll over a portion of your unused annual maximum into your personal Maximum Rollover Account (MRA). The MRA can be used in further years, if you reach the plan’s annual maximum. Even better, if you use the services of Preferred Providers exclusively during the benefit year, Guardian will increase the amount credited to your MRA. To qualify, you must submit a claim for covered services for which a benefit payment is issued, in excess of any deductible or co-pay, and you must not exceed the paid claims threshold during the benefit year. You and your insured dependents maintain separate MRAs based on your own claim activity. Each MRA may not exceed the MRA limit. You will receive an annual MRA statement detailing your account and those of your dependents. High Plan: Low Plan: PLAN ANNUAL MAXIMUM ** THRESHOLD MAXIMUM ROLLOVER AMOUNT IN-NETWORK ONLY MAXIMUM ROLLOVER AMOUNT MAXIMUM ROLLOVER ACCOUNT LIMIT $1500 $700 $350 $500 $1250 PLAN ANNUAL MAXIMUM ** THRESHOLD MAXIMUM ROLLOVER AMOUNT IN-NETWORK ONLY MAXIMUM ROLLOVER AMOUNT MAXIMUM ROLLOVER ACCOUNT LIMIT $1000 $500 $250 $350 $1000 This Guidebook is only a summary of benefits and is not a binding contract. Summary Plan Documents, Certificates of Coverage, and the El Paso County Policies and Procedures Manual describes benefits in great detail and are available through ESS or by contacting the Employee Benefits office. Should there be differences between this summary and the plan documents, contracts or policies, the plan documents, contract, and/or policies will govern 2013 Employee Benefit Guidebook Updated August 2013
What is an FSA? FLEXIBLE SPENDING ACCOUNTS (FSA) An FSA is a Flexible Spending Account that allows you to set aside money for eligible expenses on a pre-tax basis. There are two types of Flexible Spending Accounts available - a healthcare account and a dependent day care account. What you need to know about FSAs • You may only determine your contribution in an FSA during open enrollment or when you first become eligible. • You do not need to be covered by your employer’s health plan to participate in an FSA. • Expenses must be for services received, not for services to be provided in the future. • Once you establish your plan year contribution, you may only change it if you experience a Qualifying Life Event. • Any claims that were incurred during the plan year must be submitted for reimbursement by the end of your run out period (60 days). The run out date is 60 days after the end of your plan year or February 28, 2014. • Any amount left in your healthcare and/or dependent day care FSA at the end of the plan year will be forfeited. An FSA is a smart way to save! Annual Salary Healthcare contribution Dependent day care contribution Savings $20,000 $1,500 $0 $405 $40,000 $1,750 $4,000 $1,553 $60,000 $2,000 $4,500 $1,755 Getting started is as easy as 1-2-3! 1. Estimate the amount you will spend on out-of-pocket healthcare expenses and/or dependent day care expenses during the plan year. • Review expenses from prior plan year. • Use our planning tools available at HealthHub.com 2. Decide how much you wish to set aside in your healthcare FSA and/or dependent day care FSA. • Divide your annual contribution by 26 pay periods in your plan year to determine the amount that will be deducted from you paycheck each pay period. 2013 Employee Benefit Guidebook Updated August 2013
Page 1 and 2: EMPLOYEE BENEFITS Open Enrollment G
Page 3 and 4: PHONE DIRECTORY Employment, Benefit
Page 5 and 6: IMPORTANT INFORMATION SUMMARY OF BE
Page 7 and 8: EMPLOYEE CONTRIBUTIONS AND POP: The
Page 9 and 10: MEDICAL, VISION AND DENTAL PLAN PRE
Page 11 and 12: Questions regarding which protectio
Page 13 and 14: (including ER Physician services) M
Page 15 and 16: All subsequent prenatal visits, pos
Page 17 and 18: Note: The copayment will apply as l
Page 19 and 20: Pregnancy * Initial visit (to confi
Page 21 and 22: Wellness Exams The County Employee
Page 23 and 24: Walgreens Health Initiatives now Ca
Page 25 and 26: Medication List (PML)/formulary is
Page 27 and 28: 2013 Employee Benefit Guidebook Upd
Page 29: Guardian DENTAL PLANS El Paso Count
Page 33 and 34: You can only be reimbursed up to th
Page 35 and 36: VOLUNTARY TERM LIFE INSURANCE Volun
Page 37 and 38: DISABILITY BENEFITS SHORT TERM DISA
Page 49: 2013 Employee Benefit Guidebook Upd

2013 Employee Benefits Guidebook - Administration Home

You also want an ePaper? Increase the reach of your titles

Delete template?

Save as template?