2024 Baxter County Benefits Enrollment Guide

Baxter County
Employee Benefits Enrollment Guide
January 1, 2024 - December 31, 2024

CONTENTS
3 Letter from Judge
4 Benefits Overview
6 Medical Insurance
8 Dental Insurance
9 Vision Insurance
10 Group Life and Accidental Death & Dismemberment Insurance
11 Voluntary Life Insurance
12 Accident Insurance
13 Critical Illness with Cancer Insurance
15 Air Evac
16 Enrollment Instructions
17 Important Contacts
18 Glossary
19 Additional Resources

Letter from Judge

Welcome to Baxter County
As an employee of Baxter County, you are eligible to participate in a variety of employee benefit plans.
Baxter County knows how important it is to provide quality employee benefits to our employees and their
dependents. We always strive to provide a total benefit package that meets your needs as well as the needs
of the company.
ENROLLMENT ELIGIBILITY
Full-time employees working at least 30 hours per week are eligible for benefits on the first of the month
following 60 days of employment.
Many of the plans offer coverage for eligible dependents, including:
• Your legal spouse
• Your children to age 26, regardless of student, marital, or tax-dependent status (including stepchild,
legally adopted child, a child placed with you for adoption, or a child for whom you are the legal
guardian)
• Your dependent children over age 26 who are physically or mentally unable to care for themselves
WHEN TO ENROLL
Other than during the designated Open Enrollment period, you can enroll in benefits or change your
elections at the following times:
• 30 days prior to your initial eligibility date (as a newly hired employee)
• Within 30 days of experiencing a qualifying life event
CHANGING BENEFITS AFTER ENROLLMENT
You may pay your portion of your select coverages on a pre-tax basis. Thus, due to IRS regulations, once you
have made your elections for the plan year, you cannot change your benefits until the next annual open
enrollment period. The only exception is if you experience a qualifying event, and election changes must be
consistent with your life event.
To request a benefits change, notify Human Resources within 30 days of the qualifying life event. Change
requests submitted after 30 days cannot be accepted. You may need to provide proof of the life event.
Qualifying life events include, but are not limited to:
• Marriage, divorce, or legal separation
• Birth or adoption of an eligible child
• Death of your spouse or covered child
• Change in your spouse’s work status that affects his or her benefits
• Change in your child’s eligibility for benefits
• Qualified Medical Child Support Order
4

Benefits Overview
PRE-TAX PAYROLL DEDUCTIONS
To help offset your contributions for the medical, dental and vision plans, we offer these benefits on a
pre-tax basis through the Baxter County Government, Section 125 (or “cafeteria”) plan. By making your
contributions for these benefits on a pre-tax basis, the premium is withheld from your pay before federal,
state (in most cases) and FICA taxes are calculated. This can reduce the amount of taxes you pay per
paycheck.
BENEFIT OPTIONS
We offer a comprehensive benefits package consisting of:
• Medical Insurance
• Prescription Drug Insurance
• Dental Insurance
• Vision Insurance
• Basic Life and Accidental Death & Dismemberment Insurance
• Voluntary Life Insurance
• Critical Illness with Cancer Insurance
• Accident Insurance
• Air Evac Plan
• Nationwide 457 Plan
• 401(k) Retirement Savings Plan
5

Medical Insurance
CARRIER: ARKANSAS BLUE CROSS BLUE SHIELD
• Locate an In-Network provider at www.arkansasbluecross.com
Please refer to the official plan documents for additional information on coverage and exclusions.
COVERED BENEFITS
In-Network
BC 3000 80 E 2
Out-of-Network
Year Deductible: Individual/Family $3,000/$6,000 $9,000/$18,000
Out of Pocket Maximum:
Individual/Family
(includes deductible, copays and coinsurance)
$5,000/$10,000 $18,000/$36,000
Coinsurance (You Pay) 20% 40%
Preventive Care Plan pays 100% Deductible & Coinsurance
Physician Services
Primary Care/ Specialist Office Visit $35/$70 copay Deductible & Coinsurance
Virtual Visit (MDLive) $35 copay Deductible & Coinsurance
Urgent Care $70 copay Deductible & Coinsurance
Emergency Room Deductible & Coinsurance Deductible & Coinsurance
Diagnostic Testing (Lab/X-Ray) Deductible & Coinsurance Deductible & Coinsurance
Diagnostic Imaging (CT,MRI,PET) Deductible & Coinsurance Deductible & Coinsurance
Inpatient Facility Deductible & Coinsurance Deductible & Coinsurance
Outpatient Facility Deductible & Coinsurance Deductible & Coinsurance
Prescription Drugs
Generic
$20 copay
Preferred Brand $50 copay
Non-Preferred Brand $70 copay
Not Covered
Speciality* $250 copay
Mail Order (100 day supply)
2x retail copay
*Specialty Drugs via CVS Mail Order Only. If Specialty Drug is maintenance, 100-day fill allowed for 2x copay; if
Specialty Drug is not maintenance, it is 1 month fill.
6

Medical Insurance Rates
CARRIER: ARKANSAS BLUE CROSS BLUE SHIELD
Coverage Level
Total
Monthly
Premium
BC 3000 80 E 2
MEDICAL PLAN
Employer
Monthly
Contribution
Employee Cost
Per Pay Period
(24)
Employee Only $565.32 $565.32 $0.00
Employee & Spouse $1,158.85 $565.32 $296.77
Employee & Child(ren) $814.04 $565.32 $124.36
Employee & Family $1,492.39 $565.32 $463.54
7

Dental Insurance
CARRIER: ARKANSAS BLUE CROSS BLUE SHIELD
• You will pay less out of pocket when you choose an in-network provider.
• Locate an in-network provider at www.arkansasbluecross.com/providers/dental-providers
• Out-of-network providers can balance bill, or bill you for the difference between the
provider’s charge and the allowed amount.
• Please refer to the official plan documents for additional information on coverage and exclusions.
COVERED BENEFITS
IN-NETWORK
YOU PAY
OUT-OF-NETWORK
YOU PAY
Calendar Year Deductible (applies to
Basic and Major Services Only)
$50 per person, $150 per family $50 per person, $150 per family
Annual Plan Benefit Maximum $1,500 per covered member $1,500 per covered member
Preventive Care
Oral exams, X-rays, fluoride
treatment, cleanings and sealants.
Basic Services
Fillings and simple extractions
Major Services
Periodontics, inlays,onlays, crowns,
partials and dentures, endodontics
(root canals), oral surgery,
anesthesia, surgical extractions and
implants.
0% 10%
20% 30%
50% 60%
Annual Maximum Carryover* Included Included
*Rollover Benefit - Maximum Carryover - If at least one covered service is applied toward your maximum payment in a
benefit year and the total benefit paid does not exceed $700 in that benefit year, up to $500 will carry over to the next
benefit years maximum payment. This carryover amount will accumulate from one benefit year to the next, but will not
exceed $1,250.
Coverage Level
Total
Monthly
Premium
Employer
Monthly
Contribution
Employee Cost
Per Pay Period
(24)
Employee Only $24.64 $24.64 $0.00
Employee & Family $63.01 $24.64 $19.19
8

Vision Insurance
CARRIER: ARKANSAS BLUE CROSS BLUE SHIELD/VSP
• You will pay less out of pocket when you choose an in-network provider.
• Locate an in-network provider at www.arkansasbluecross.com/findcare
• You must submit a claim form for out-of-network expenses.
• LASIK surgery discounts available
• Please refer to the official plan documents for additional information on coverage and
exclusions.
COVERED BENEFITS IN-NETWORK OUT-OF-NETWORK
Eye Exam (every 12 months) $10 copay $45 allowance
Standard Plastic Lenses (every 12 months)
Single / Bifocal / Trifocal / Lenticular $25 copay $30 / $50 / $65 / $100 allowance
Frames (every 24 months) $125 allowance + 20% off balance $70 allowance
Contact Lenses (every 12 months in lieu of
standard plastic lenses)
Elective
Medically Necessary
$100 allowance
Covered in Full
$85 allowance
$210 allowance
Coverage Level
Total
Monthly
Premium
Employer
Monthly
Contribution
Employee Cost
Per Pay Period
(24)
Employee Only $5.39 $5.39 $0.00
Employee + 1
Dependent
$9.96 $5.39 $2.29
Employee + Family $14.97 $5.39 $4.79
9

Group Life Insurance
CARRIER: USABLE LIFE
LIFE and ACCIDENTAL DEATH & DISMEMBERMENT (AD&D)
Basic Life and AD&D Insurance is automatically provided to all benefits-eligible employees at
NO COST. If you die as a result of an accident, your beneficiary would receive both the life and
the AD&D benefit.
• Life Insurance Amount: $30,000
• AD&D Amount: Equal to life insurance amount
• Benefit Reduction Schedule: 66⅔ at age 70; by another 33⅓ at age 75
• EAP (Employee Assistance Program): 3 Face to Face Visits
• Please refer to the official plan documents for additional information on coverage and
exclusions.
Voluntary Life Insurance
CARRIER: USABLE LIFE
WHAT IS VOLUNTARY LIFE
INSURANCE?
Voluntary Life Insurance is offered through an
employer but is paid by employees.
WHY PURCHASE VOLUNTARY LIFE INSURANCE?
• This type of life insurance has limited underwriting required. This allows for people with health conditions or
lifestyles that might otherwise disqualify them to qualify for life insurance.
• The group rates are lower than what you could purchase on your own.
• You may purchase a policy for your spouse and children IF you elect coverage for yourself.
• Please refer to the official plan documents for additional information on coverage and exclusions.
REMINDER
Review your beneficiary designations
10

Voluntary Life Insurance Cont.
CARRIER: USABLE LIFE
Employee
• $10,000 increments to a maximum $300,000
• Guarantee Issue Amount: $100,000 through age 64 and $20,000 for age 65 to 69
• Age Reduction: 66⅔ at age 65; 33⅓ at age 70
Spouse
• $10,000 increments to a maximum of $300,000
• Guarantee Issue Amount: $30,000
• Coverage Ends: Age 65
• Spouse benefit is based on spouse's age
Child(ren)
• Child 15 days to 6 months old: $1,000
• Child 6 months to 23 years (if full-time student): $5,000 or $10,000 in increments of $5,000
• Guarantee Issue Amount: $10,000
Accelerated Benefit
• 75% of the insured person’s life insurance, up to $250,000
Guarantee Issue is only available to new hires who are in their initial eligibility period. After the initial eligibility period, a
new election or increase in current coverage will be subject to medical underwriting. An Evidence of Insurability (EOI)
form will be required for any employee or dependent electing to enroll for the first time after their initial eligibility
period. If you are currently enrolled, during open enrollment you can elect 1 increment of $10,000 up to Guarantee Issue
without medical underwriting.
Premiums Based on 24 Payroll Deductions Per Year
Benefit Amount Under 30 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 70+
$10,000 $0.36 $0.49 $0.64 $0.80 $1.19 $1.94 $3.39 $4.74 $8.31 $14.87
$20,000 $0.71 $0.97 $1.28 $1.59 $2.38 $3.87 $6.78 $9.47 $16.62 $29.74
$30,000 $1.07 $1.46 $1.92 $2.39 $3.57 $5.81 $10.17 $14.21 $24.93 $44.61
$40,000 $1.42 $1.94 $2.56 $3.18 $4.76 $7.74 $13.56 $18.94 $33.24 $59.48
$50,000 $1.78 $2.43 $3.20 $3.98 $5.95 $9.68 $16.95 $23.68 $41.55 $74.35
$60,000 $2.13 $2.91 $3.84 $4.77 $7.14 $11.61 $20.34 $28.41 $49.86 $89.22
$70,000 $2.49 $3.40 $4.48 $5.57 $8.33 $13.55 $23.73 $33.15 $58.17 $104.09
$80,000 $2.84 $3.88 $5.12 $6.36 $9.52 $15.48 $27.12 $37.88 $66.48 $118.96
$90,000 $3.20 $4.37 $5.76 $7.16 $10.71 $17.42 $30.51 $42.62 $74.79 $133.83
$100,000 $3.55 $4.85 $6.40 $7.95 $11.90 $19.35 $33.90 $47.35 $83.10 $148.70
$110,000 $3.91 $5.34 $7.04 $8.75 $13.09 $21.29 $37.29 $52.09 $91.41 $163.57
Child(ren) Coverage
Benefit Amount 24 Payroll Deductions
$5,000 $0.30
$10,000 $0.60
11

Voluntary Accident Insurance
CARRIER: USABLE LIFE
Accident Insurance supplements your existing
medical insurance in case you are in an accident;
medical insurance alone may not be enough to cover
your expenses. The plan pays a cash benefit during
the term of your coverage following a covered
accident and could help cover:
●
●
●
●
●
Out-of-pocket expenses such as copays and
deductibles
Transportation
Lodging costs
Emergency room expenses
Please refer to the official plan documents
for additional information on coverage and
exclusions.
Accident Coverage Basic Select Ultra
Physician Office Visit (per visit, up to 2 visits) $125 $150 $225
Emergency Treatment $125 $150 $225
Major Diagnostic Exam $200 $240 $360
Lacerations $450 $540 $810
Burns Up to $2,500 Up to $3,000 Up to $4,500
Brain Injury $500 $600 $900
Initial Hospitalization $1,000 $1,200 $1,600
Ambulance (air/ground) $1,250/$200 $1,500/$240 $2,000/$320
Family Lodging (per day, up to 30 days) $100 $150 $175
Transportation (per round trip, up to 5 round trips) $400 $600 $700
Annual Wellness Benefit $60 $75 $105
Please see USAble Accident Benefit Summary for complete details
Accidental Death & Dismemberment Employee Spouse Child
Common Carrier Accidental Death $75,000 $75,000 $18,750
Other Accidental Death $50,000 $50,000 $6,250
24 Hour Plan / Accident Premium
(Based on 24 Payroll Deductions Per Year)
Election Basic Select Ultra
Employee $7.21 $8.25 $10.01
Employee + Spouse $13.24 $15.15 $18.40
Employee + Child $13.59 $15.88 $19.63
Employee + Family $19.62 $22.78 $28.02
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Voluntary Critical Illness with Cancer
Insurance
CARRIER: USABLE LIFE
Critical Illness with Cancer Coverage can help relieve the financial impact of a sudden, life-threatening
event by helping to pay the direct and indirect costs of the illness.
Employee Benefit
●
●
●
$10,000 flat benefit
If you are 64 or younger, you may purchase Critical Care with Cancer benefits for this one-time offer
in the amount with no medical evidence of insurability. Benefits are paid as a lump sum benefit
directly to you upon the qualified diagnosis of a Critical Illness or first diagnosis of cancer.
Benefits reduce to 50% at age 75, and terminate when you are no longer eligible or your retirement,
whichever occurs first.
Spouse Benefit
●
●
●
$5,000 flat benefit
If you have purchased Critical Care with Cancer coverage for yourself, you may purchase Critical Care
with Cancer benefits for this one-time offer for your eligible spouse age 64 or younger with no
medical evidence of insurability.
Benefits reduce to 50% at your spouse’s age 75, and terminate when you or your spouse are no
longer eligible or your retirement whichever occurs first.
Child(ren) Benefit
●
●
●
$5,000 flat benefit
If you have purchased Critical Care with Cancer coverage for yourself, you may purchase coverage for
your eligible child(ren) between the ages of 6 months and 26 years for this one-time offer.
Benefits terminate when they are no longer eligible, or at the termination of your eligibility,
whichever occurs first.
Highlights of this plan include:
●
●
●
●
●
●
●
●
●
●
●
●
●
Cancer Diagnosis and/or Bone Marrow Transplant: 100% of Benefit
Cancer Vaccine Benefit: $75 (1 per lifetime)
Prostate Cancers and/or Carcinoma in Situ: 30% of Benefit
Skin Cancer Diagnosis: 10% of Benefit
Miscellaneous Diseases*: 100% of Benefit
Heart Attack/Stroke: 100% of Benefit
End Stage Renal Failure: 100% of Benefit
Burns (3rd degree over at least 50% of body): 100% of Benefit
Major Organ Transplant (Including heart): 100% of Benefit
Coronary Artery Bypass Surgery: 30% of Benefit
Alzheimer’s Disease: 30% of Benefit
Angioplasty/Stent: 10% of Benefit
Accumulator Benefit and Recurrent Benefit
● Wellness Benefit: $75
*Miscellaneous diseases: ALS (Lou Gehrig’s Disease); Anthrax; Cholera; Encephalitis; Meningitis, Rocky Mt. Spotted and Typhoid
Fevers; Tuberculosis; Primary Sclerosing Cholangitis (Walter Payton’s Disease)
13

Voluntary Critical Illness with Cancer
Insurance Rates
CARRIER: USABLE LIFE
Age
Critical Illness Rates
Employee Cost Per Pay Period (24)
Non-Tobacco
$10,000
Tobacco
Up to 29 $2.86 $4.99
30-39 $4.58 $9.26
40-49 $7.85 $17.43
50-59 $14.01 $32.39
60-64 $27.41 $61.60
Age
Critical Illness Rates
Spouse Cost Per Pay Period (24)
Non-Tobacco
$5,000
Tobacco
Up to 29 $2.09 $3.31
30-39 $2.95 $5.48
40-49 $4.62 $9.64
50-59 $7.86 $17.41
60-64 $14.76 $32.50
Critical Illness Rate
Child Cost Per Pay Period (24)
Age $5,000
Composite $0.70
14

Air Evac
CARRIER: AIRMEDCARE NETWORK
This coverage will be offered on a one-time
basis during the 2024 Open Enrollment
Period.
Air Evac
Membership Length Annual Cost
1 Year Membership $70.00
15

Benefits Enrollment Instructions
During the Employee Benefits Enrollment process, a representative will cover the extensive benefits
package that Baxter County offers eligible employees.
STEP 1: Go to the following link to
sign in or to create an account as an
employee:
https://www.employeenavigator.com/
Benefits/Account/Login
New Users: You will click on “Register”
Note: It is recommended that you use
an email address for your username.
You will be asked for personal
identifying data as well as the following
company identifier: baxtercounty
STEP 2: Write down the username and password you created for future reference.
STEP 3: You are ready to make your benefit elections! Please select the ‘Start Benefits” button. The system
will guide you through the process when you select ‘Save & Continue’ on every screen. Note: IF you are
covering a spouse and /or child, please have their full name, DOB, and SSN available.
STEP 4: Click the ‘Agree’ button to complete your enrollment.
REMEMBER: Benefits Enrollment must be completed by the deadline or you may not be able to
enroll yourself and/or your eligible dependents until our next open enrollment, or a qualifying event occurs.
This summary of benefits is not intended to be a complete description of the terms of Baxter County insurance benefit plans. Please refer to the plan document(s) for a complete description.
Each plan is governed in all respects by the terms of its legal plan document, rather than by this or any other summary of the insurance benefits provided by the plan. In the event of any
conflict between a summary of the plan and the official document, the official document will prevail. Although Baxter County maintains its benefit plans on an ongoing basis, Baxter County
reserves the right to terminate or amend each plan, in its entirety or in any part at any time.
16

Important Contacts
BENEFIT CARRIER PHONE WEBSITE
Medical Insurance
Dental Insurance
Vision Insurance
Arkansas Blue Cross
Blue Shield
Arkansas Blue Cross
Blue Shield
Arkansas Blue Cross
Blue Shield
800-238-8379 www.arkansasbluecross.com
800-238-8379 www.arkansasbluecross.com
800-238-8379 www.arkansasbluecross.com
Life and AD&D
Insurance
Voluntary Life
Insurance
USAble Life 800-370-5856 www.usablelife.com
USAble Life 800-370-5856 www.usablelife.com
Accident Insurance USAble Life 800-370-5856 www.usablelife.com
Critical Illness with
Cancer Insurance
USAble Life 800-370-5856 www.usablelife.com
Air Evac Coverage AirMedCare 417-293-2535 tina.vincent@airmedcarenetwork.com
BAXTER COUNTY BENEFIT TEAM:
Vance Jones Kaci Queen Trish Beck
Human Resources Director Payroll Administrator County Administrator
870-701-5300 870-580-5610 870-580-5664
hr@baxtercountyar.gov payroll@baxtercountyar.gov trish.beck@baxtercountyar.gov
Melissa Hawkins
Bookkeeper
870-580-0981
melissa.h@baxtercountyar.gov
YOUR CADENCE INSURANCE ACCOUNT REPRESENTATIVES:
Vatsana Ferrell
DiAlma Young
501-614-1192 870-974-7440
Vatsana.Ferrell@CadenceInsurance.com Dialma.Young@CadenceInsurance.com
17

Glossary
Coinsurance: Your share of the cost of a covered health care service, calculated as a percent (for example, 20%) of the allowed amount
for the service, typically after you meet your deductible. For instance, if your plan’s allowed amount for an office visit is $100 and
you’ve met your deductible (but haven’t yet met your out-of-pocket maximum), your coinsurance payment of 20% would be $20. Your
plan sponsor or employer would pay the rest of the allowed amount.
Copay: The fixed amount, as determined by your insurance plan, you pay for health care services received.
Deductible: The amount you owe for medical services before your medical insurance or plan sponsor (employer) begins to pay its
portion. For example, if your deductible is $3,000, your plan does not pay anything until you’ve met your $3,000 deductible for
covered health care services. This deductible may not apply to all services, including preventive care. Preventive care is 100% covered
by the plan.
Employee Contribution: The per pay period amount you pay for your insurance coverage.
Explanation of Benefits (EOB) / Personal Health Statement (PHS): A statement sent by your insurance carrier that explains which
procedures and services were provided, how much they cost, what portion of the claim was paid by the plan, and what portion is your
liability, in addition to how you can appeal the insurer’s decision. These statements are also posted on the carrier’s website for your
review.
Health Care Cost Transparency: Also known as Market Transparency or Medical Transparency. Health care provider costs can vary
widely, even within the same geographic area. To make it easier for you to get the most cost-effective health care products and
services, online cost transparency tools, which are typically available through health insurance carriers, allow you to search an
extensive national database to compare costs for everything from prescription drugs and office visits to MRIs and major surgeries.
In-Network: In-network providers are doctors, hospitals and other providers that contract with your insurance company to provide
health care services at discounted rates.
Out-of-Network: Out-of-network providers are doctors, hospitals and other providers that are not contracted with your insurance
company. If you choose an out-of-network doctor, services will not be provided at a discounted rate and your cost sharing (deductibles
and coinsurance) will increase.
Out-of-Pocket Maximum: The maximum amount of money you will pay for medical services during the plan year. The out-of-pocket
maximum is the sum of your deductible and coinsurance payments.
18

Additional Resources
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Additional Resources
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Additional Resources
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Additional Resources
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Additional Resources
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Additional Resources
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Additional Resources
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Additional Resources
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Notes
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government agency • Not guaranteed by the bank • May go down in value. Cadence Insurance is an insurance agent and not an insurance carrier. Always review your policy for coverage terms and conditions.