Open Enrollment Meeting Schedule

Information will be available from IBC, MDLIVE, ESI, Aetna, Aflac, Health Advocate and The Hartford. You are invited to come and get educated on all

benefit programs.

11/2 One Montgomery Plaza, 2nd floor Montgomery Room

10:00 am to 2:00 pm

11/8 Correctional Facility - Community Corrections Training Room

11:00 am to 4:00 pm

11/15 Human Services Center in the Community Room 11:00 am to 3:00 pm

11/17 Youth Center, Youth Center Conference Room 10:00 am to 2:00 pm

This year’s Open Enrollment will be from November 1st through November 30th.

What’s Inside...

Basic Life/AD&D

Supplemental Life/AD&D

Value-Added Services

2

MDLIVE 3

Prescription Drug Coverage 4

Medical Benefits 5

Ibxpress.com 6

Dental & Vision Benefits, FSA 7

Retirement Plan 8

Health Advocate 9

Qualified Life Events Eligibility and Enrollment

10

Voluntary Benefits 11

Health Care Reform 12

Contact Info 13

November 2016

2017 Open Enrollment Newsletter

W e are pleased to present your 2017 Open Enrollment information. As in past years, we encourage you to attend an open enrollment meeting that is convenient to your schedule and location. We will have Human

Resources staff, as well as vendor representatives available to answer your questions. These meetings are not only to review the benefit choices for 2017, but also to provide information on all programs offered.

This newsletter provides an overview of the benefit plans effective January 1, 2017. It also describes programs and resources available to you to help you be an informed healthcare consumer. Please read it thoroughly and be sure to take action by November 30th to select your benefits for 2017.

Each year we review the value of our health insurance plans and the impact that regulatory or legislative changes have on our policies. We continuously strive to provide you with a comprehensive and flexible benefits program to keep costs manageable for everyone. Both the County and our employees continue to share in the cost of most benefit programs, with the County continuing to absorb the majority of the costs.

Highlights of Your 2017 Benefit Plans:

The County of Montgomery is pleased to announce there will be no increase to the employee benefit contributions for 2017, even though the cost of our benefit plans have increased.

Basic/Supplemental Life and AD&D Insurance and Long-Term Disability: Beginning January 1, 2017 our Life and Disability insurance will be administered by The Hartford Group.

PA 529 College Savings Program: Sign up and take advantage of contributing through payroll deductions

Express Scripts Home Delivery Program: If you no longer want to participate in the Express Scripts Home Delivery program, you must opt-out during the Open Enrollment.

Flexible Spending Account(s): Your spending account elections do not roll over from year to year. If you would like to participate a Flexible Spending Account for the 2017 plan year, you must make your election during the Open Enrollment period.

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Supplemental Life Insurance

During this enrollment period only: An employee may elect up to $500,000 in $10,000 increments, up to the Guarantee Issue Amount ($200,000 or 5

times annual earnings, whichever is less) without providing Evidence of Insurability.

An employee may elect coverage for their spouse up to the Guarantee Issue Amount ($50,000) without providing Evidence of Insurability.

An employee may elect coverage for their dependent child(ren) up to $7,500 for each eligible child from birth to 26 years old.

Please Note: There will be no changes to employees’ current supplemental amounts for their self or dependents going forward unless they elect an additional amount during the Open Enrollment period.

The County of Montgomery will continue to provide all regular full-time employees with Basic/Supplemental Life and Accidental Death and Dismemberment (AD&D) and Long Term Disability coverage for the 2017 plan year. Basic Life and AD&D as well as Long Term Disability will now be provided through The Harford Group and continue to be no cost to you.

Life, Accidental Death & Dismemberment (AD&D) and Long Term Disability

Value-Added Services

Y our life coverage comes with value-added services that help with challenges that come before and after a claim.

Funeral Planning and Concierge Services provides a suite of online tools to guide you through key decisions before a loss, including help comparing funeral-related costs. After a loss, this service includes family advocacy and professional negotiation of funeral prices with local providers—often resulting in significant financial savings. For more information on Funeral Planning and Concierge Services Call 1-866-854-5429 Or visit www.everestfuneral.com/hartford Use Code: HFEVLC

EstateGuidance ®Will Services helps you protect your family’s future by creating a will online—backed by online support from licensed attorneys. Your will is customized and legally binding. For more information on EstateGuidance® Will Services: Visit www.estateguidance.com/wills Use Code: WILLHLF

Beneficiary Assist ® Counseling Services offers compassionate expertise to help you or your beneficiaries (those you name in your policy) cope with emotional, financial and legal issues that arise after a loss. Includes unlimited phone contact with a counselor, attorney or financial planner for up to a year, and five face-to-face sessions. For more information on Beneficiary Assist ® Counseling Services: Call 1-800-411-7239

Travel Assistance Services with ID Theft Protection and Assistance includes pre-trip information to help you feel more secure while traveling. It can also help you access medical professionals across the globe for medical assistance when traveling 100+ miles away from home for 90 days or less when unexpected detours arise. The ID theft services are available to you and your family at home or when you travel. For more information on Travel Assistance Services or ID Theft Services: Call 1-800-243-6108 Collect from other locations: 202-828-5885 Fax: 202-331-1528 Or email idtheft@europassistance-usa.com Travel Assistance Identification Number: GLD-09012 You’ll be asked to provide your employer’s name, a phone number where you can be reached, nature of the problem, Travel Assistance Identification Number, and your company policy number which can be obtained through your HumanResources/Personnel department. If you have a serious medical emergency, please obtain emergency medical services first, and then contact Europ Assistance USA for follow-up.

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The future of healthcare is here.

24 hours a day, 7 days a week on demand access to affordable quality healthcare.

Anytime, Anywhere.

With MDLIVE, you can visit with a doctor from your home, office, or on the go. MDLIVE’s network of Board Certified doctors and licensed therapists is available 24/7 by phone or secure video to assist with non-emergency medical conditions.

Download the MDLIVE Mobile App from the Apple Store or Google Play. Visit mdlive.com/getapp.

MDLIVE

Contact MDLIVE for affordable care anytime, anywhere.

MDLIVE.com

1-877-764-6605

www.mdlive.com/getapp

When should I use MDLIVE?

Instead of going to the ER or an urgent care center for a non-emergency issue

During or after normal business hours, nights, weekends and even holidays

If your primary care physician is not available

To request prescription refills when appropriate. See prescription policy*

If traveling and in need of medical care

Behavioral health care Issues related to:

Marriage

Parenting and childcare

Alcohol and Substance Abuse

Legal and Financial Difficulties

Relationship Problems

Sleep Disorders

Smoking Addiction

Other personal challenges

And More!

Who are MDLIVE doctors?

MDLIVE has the nation’s largest network of doctors for telehealth services.

On average, MDLIVE doctors have 15 years of experience practicing medicine and are licensed in the state where patients are located. Their specialties include primary care, pediatrics, emergency medicine and family medicine. MDLIVE doctors are committed to providing convenient, quality care and are always ready to take your call.

What can be treated?

Acne

Allergies

Asthma

Bronchitis

Cold and Flu

Constipation

Diarrhea

Ear Infection

Fever

Headache

Insect Bite

Joint Aches

Nausea

Rashes

Sinus Infection

Sore Throat

UTI

And more!

Are my children eligible?

Yes. MDLIVE has pediatricians on call 24/7/365. Please note, a parent or guardian must be present during any interactions involving minors.

How much does it cost?

Members will pay $10 per consult.

*Prescriptions are issued only when clinically appropriate and will be prescribed for a short-term duration. No controlled substances can be prescribed, and the availability can be restricted by law.

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Select Home Delivery — Simple Choice

For anyone paying more to fill a maintenance medication at the retail pharmacy don’t worry, you now have the option to transfer those prescriptions to the Express Scripts pharmacy to save money. With home delivery, you can save money not only on medications, but on gas by avoiding trips to the drugstore. Join the millions of Americans who enjoy the savings and convenience of receiving up to a 90-day supply—for one home delivery payment. You’ll also have full access to specialist pharmacists, who are specially trained in the medications used to treat chronic conditions, including diabetes, high blood pressure and high cholesterol.

Express Scripts Member Services is ready to help.

ESI representatives use the most advanced information systems available today to resolve more than 90 percent of inquiries on the first call. Through Member Services, you can obtain account information, refill prescriptions using our automated system, set up payment options and more. There are also special support services for the blind and hearing-impaired. The ESI toll-free Member Services number is on your member ID card and your home delivery prescription bottle.

Express Scripts pharmacists are available anytime.

All ESI pharmacists are available anytime, day or night, to speak with you about your medication. To speak with a specialist pharmacist, call Member Services at 1-800-711-0917 and ask the representative to transfer you to a pharmacist who handles your specific condition.

Access details about your prescription benefit, manage your prescriptions and get health and wellness information at Express-Scripts.com. Plus, you can easily order refills of your home delivery prescriptions, check the status of your orders and review your prescription history. With the Express Scripts mobile app, you can also access these services on your iPhone®, BlackBerry® or Android™ smartphone. Go to your smartphone’s app store, search for “Express Scripts” and download the app for free today.

Prescription Drug Coverage

W hen you enroll in one of the IBC medical plans, you automatically receive prescription drug coverage through Express Scripts

Pharmacy Management Formulary Program. The program provides a defined list of FDA-approved medications chosen for their medical effectiveness and value. The formulary list includes both generic and brand-name drugs. Your share of the cost will always be less for drugs that are on the formulary list; however, coverage is available for many non-formulary drugs.

Keep in mind that generic drugs are as safe and effective as their brand name counterparts, and significantly less expensive. If you are taking several medications, the difference in cost for generics and brand name drugs can be significant. When you need a new prescription, ask your doctor whether a generic can be substituted for a brand name. Also check your local pharmacies and supermarkets for discounts on generic brands.

Generic Medications: Keep You & Your Wallet Healthy

If you do not want to participate in the Express Scripts Home Delivery program, you must opt-out during Open Enrollment. You may call Express Scripts at 1-800-711-0917 to do so. Members who do not make a

selection to opt in-or-out of Home Delivery will pay full cost at retail pharmacy for maintenance medications. A new Rx will be required.

Please note: When opting-out of the Home Delivery program, you must also un-enroll in the Worry Free Refill Program.

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Medical Benefits

W e will continue to offer medical coverage through Independence Blue Cross (IBC) for the 2017 plan year.

Women’s Preventive Health Care

The health care reform law (Affordable Care Act) requires health plans to cover certain preventive care services for women without any cost-sharing, such as deductibles, copayments or coinsurance. The following items are included in this coverage:

Well-woman visits (annual preventive care visit in which adult women obtain recommended preventive services)

Gestational diabetes screening for women 24 to 28 weeks pregnant, and women at high risk

Human papillomavirus (HPV) testing for women 30 and older, once every three years

Annual counseling for HIV and sexually transmitted infections, plus annual HIV testing for all sexually active women

Contraceptives and contraceptive counseling

Breastfeeding support, supplies and counseling

Domestic violence screening and counseling

Though plans are required to provide these services free of charge, they do have the option of using cost-control measures, such as requiring you pay for a brand name drug if a comparable generic drug is available, or charging a copayment for preventive services received at out-of-network facilities.

It is important to keep up-to-date with your annual physical, which is covered at 100% in-network.

GOOD TO KNOW: ER versus Urgent Care

When to Use Urgent Care

Urgent care centers are usually more cost-effective than ERs. In addition, the waiting time in urgent care centers is often much shorter. Some examples of conditions that might be better handled at an urgent care center are:

Ear infections

Sprains

Urinary tract infections

High fever or vomiting

When to Use the ER

You should go directly to the nearest emergency room if you experience any of the following:

Chest pain

Shortness of breath

Severe abdominal pain following an injury

Uncontrollable bleeding

Confusion or loss of consciousness, especially after a head injury

Poisoning or suspected poisoning

Serious burns, cuts or infections

Inability to swallow

Seizures

Paralysis

Broken bones

More than 10 percent of all emergency room visits could have either been addressed in an urgent care facility or solved in a doctor’s office. But how can you determine which is more appropriate for your condition?

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On ibxpress.com you can: View claims and benefits

Change your PCP

Learn about discounts and reimbursements

Pay your bill

Change contact information

Specify communication preferences

Find a Doctor You can quickly search for medical, pharmacy, vision, and dental providers from one easy-to-use tool. Find a Doctor also features a new Google-like search bar that allows you to perform keyword searches.

Ask IBX There’s a lot to explore, so if you need a little direction, our new virtual assistant will help you find what you need, and fast! Just start typing your question — like “How do I change my doctor?” — and Ask IBX will provide you with the answer, as well as suggested links for more information.

My Care Manage your family’s care by selecting My Care, which provides access to your doctor’s information, referrals, and the Symptom Checker.

My Alerts Keep tabs on recent activity on your account in your personal My Alerts area. Here you can also check on the status of referrals, claims, and reminders to pay your bill.

Account Settings Expanded account settings enable you to manage access to your claims information and specify communication preferences.

Personal Health Record Manage, track, and plan for future care with the Personal Health Record. This digital diary is automatically updated each time your provider submits a claim for things like office visits, surgeries, tests, immunizations, and certain lab results — like those cholesterol levels you have a hard time remembering. You can update your Personal Health Record with additional information, such as over-the-counter medications you take, and set up reminders for annual doctor’s appointments and tests.

Wellness Profile Get yourself on the road to good health — or make sure you stay on it — with the Wellness Profile. Complete yours to get an immediate assessment of your health and a personalized action plan.

Log on or register at ibxpress.com Current Users – Log on with your current username and password. New Users – Click Register Now and use the information on your member ID card to complete your registration.

Manage Your Health from Your Smartphone!Download the IBX app to your Apple or Android smartphone Log-in using your ibxpress.com

Ibxpress.com

A t ibxpress.com, you have quick and secure access to information you need to make smarter health care decisions — anytime and anywhere. The site helps you take control of your health by managing your benefits

and getting the most from your health plan.

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Dental Plan

D ental benefits help you maintain good oral health, which has been linked in studies to good overall health. The County of

Montgomery will continue to provide you with dental benefits for the 2017 plan year through Aetna.

Dental PPO Plan

The PPO plan allows you to access both in- and out-of-network providers. Remember, you will maximize your benefits and reduce your out-of-pocket costs by utilizing a participating dentist. If you decide to use a non-participating dentist, benefits will be paid using the Usual, Customary and Reasonable (UCR) dental allowance and you may be balance billed for amounts that exceed the UCR limit.

Flexible Spending Accounts (FSAs)

A Flexible Spending Account (FSA) is an easy and convenient way to get more out of your paycheck. It allows you to set aside a pre-determined amount of your pre-tax dollars to cover certain out-of-pocket expenses as they

occur throughout the plan year. Two types of accounts are available—Health Care Spending Account and Dependent Care Spending Account.

Health Care Spending Account

A Health Care FSA lets you pay for medical and dental care expenses not covered by your insurance plan with pre-tax dollars. For example, cash that you now spend on deductibles, copays, or other out-of-pocket medical expenses can instead be paid for with the Medical FSA with pre-taxed dollars. The annual maximum contribution to the Health Care FSA is $2,500.

Dependent Care Spending Account

The Dependent Care FSA lets you use pre-tax dollars toward qualified dependent care, such as child care and elder care expenses. The annual maximum amount you may contribute is $5,000 (or $2,500 if married and filing separately) per calendar year.

Use It or Lose It! As you think about your FSA for this plan year, be sure to

carefully estimate your expenses, as well as the

amount you want to contribute to your account. The IRS has a “use it or lose it” rule, which

means if you don’t spend everything in your FSA by the

end of the plan year, you’ll forfeit whatever funds remain.

Vision Plan

T he three Keystone HMO Plans automatically include vision benefits through Davis Vision. This benefit covers hardware up to $35 and an eye exam every 24 months. To find Davis Vision providers, you can visit this website

www.ibx.com or call 1-888-393-2583.

For those employee enrolled in the Personal Choice Plan they receive their vision benefits through EyeMed Vision Plan. Eye examinations are covered once every 12 months for children under 19 years of age and once every 24 months for adults 19 years of age or older. Eyeglass frames, lenses and contact lenses, are covered once every 24 months for all members. Please visit EyeMed’s website at www.eyemedvisioncare.com or call 1-866-723-0514.

Please Note: Your spending account elections do not roll over from year to year. If you would like to participate in a Flexible Spending Account for the 2017 plan year, you must make your election during the Open Enrollment period.

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Make Your Money Work for You...

You work hard every day. Let your money work for you, and your future, by enrolling in your retirement plan.

After you enroll, going paperless makes things easier for you and for the environment. Why fill out paper forms or clutter your home with documents when you can manage your retirement account with just a few clicks?

A diverse selection of investment options, including well-known mutual funds from some of the leading money managers

A stable-value investment option

Roth Contributions

Customer service and administrative support, as well as 24/7 access to your retirement account by the Internet or phone

Access to on-site, one-on-one retirement planning assistance

457B Retirement Plan

L incoln Financial Group (“Lincoln Financial”) will continue to administer and service provider for the County of Montgomery’s Deferred Compensation Plan.

By Phone

Help is always just a phone call away when you want to speak with someone directly. The Lincoln Financial Customer Contact Center is available every business day, Monday through Friday, from 8:00 a.m. to 8:00 p.m. Eastern Time by calling 1-800-234-3500. You can also call the automated line at 1-800-234-3500 for account information and to initiate transactions whenever it’s convenient for you. Translation services are available if needed.

In Person

You will be able to meet with your Lincoln Retirement Consultant, Laurie DiRenzo. Laurie will be available on a regular basis to provide one-on-one retirement planning assistance. She can also help you register for account access, answer questions about how the plan works, give you more information about the investment options available to you, and help you map out and maintain your own retirement savings strategy. Laurie can be reached at 1-856-217-7102 or Laurie.DiRenzo@LFG.com.

Get Personal Help When You Need it...

Access you account 24/7.

Visit LincolnFinancial.com/Retirement to log in and manage your account. You can:

Enroll in the plan

See your total and vested account balances

Check performance information

Increase your contribution rate

Explore your investment options and change your selections, if you’d like

View your statements

Access forms

Receive important message about your plan

Sign up for convenient eDelivery

Use online tools to find out if you’re on track to reach your goals

Registered? It’s Fast and Easy...

Go to LincolnFinancial.com/Register and follow the prompts. Once you’re registered, you’ll be able to view and select your plan name to access your account. If you need help with registration, call our Internet Support team at 1-800-648-6424 range of educational resources and calculators.

Features

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P ersonalized healthcare help through Health Advocate provide resources to help you and your eligible dependents deal with any healthcare related or work/life issues or needs. This benefit is provided by the County of

Montgomery at no cost to you. Health Advocate is a leading healthcare advocacy and assistance program provider. This benefit is available to you, your spouse, dependent children, parents and parents-in-law.

Find the best doctors, dentist, hospitals, other health care providers anywhere in the country

Expedite appointments including hard-to-reach specialists; arranges for specialized treatments and tests

Help resolve insurance claims; negotiate billing or payment arrangements

Assist with eldercare such as finding adult daycare, assisted living and other related issues facing parents or parents-in-law

Obtain unbiased health information about complex medical conditions to help you make informed decisions

Assist in the transfer of medical records such as x-rays and lab results

Work with insurance companies to obtain appropriate approvals for needed services

Help you make informed decisions with researching conditions and treatment options, and facilitate second opinions

Receive assistance with financial matters including budgeting, debt management, estate planning, identity theft and fraud recovery.

To reach a Health Advocate professional, call the toll-free number, 1-866-695-8622 or visit the website at www.healthadvocate.com/montcopa for more information. Health Advocate can be accessed 24 hours a day, 7 days a week. Normal business hours are Monday - Friday between 8am and 9pm eastern standard time. After hours and during weekends, on call staff is always available for assistance with issues that need to be addressed during non-business hours.

Help...

is only a phone call away

1-866-695-8622

Benefits

Health Advocate is Your Lifeline for Navigating the Health Care and Insurance Maze 24 hours

When You Need Them the Most

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Qualified Life Events

T he choices you make during Open Enrollment will be in effect for the entire year. During the year, you may only make

changes if you experience a qualified status change, known as a “life event”. Some examples of life events are:

Birth or adoption of a child

Marriage

Divorce and/or legal separation

Death or loss of a dependent (including loss of dependent status)

Change in your spouse’s employment status causing loss or gain of benefits coverage

Change in your own employment status causing a loss/gain of benefits coverage

Eligibility for Medicare

You must notify the County of Montgomery’s Human Resources Department within 31 days if one of the events listed occurs, so that we can provide you and your family with the necessary paperwork to continue coverage.

Eligibility and Enrollment

Who Is Eligible to Enroll?

You are eligible to enroll in the employee benefits program if you are a regular, full-time employee. To learn more about benefits eligibility and to obtain enrollment forms, please contact the County of Montgomery’s Human Resources Department.

Dependent Eligibility

You may enroll your eligible dependents when you enroll yourself. Dependents who are eligible for benefit coverage include:

Your legally married spouse

Your dependent children

Your domestic partner

Included in the definition of dependent child(ren) are:

Your naturally born child(ren), legally adopted child(ren), step-child(ren) who reside in the same household as the employee or court-ordered dependent child(ren) for whom you are the court-appointed legal guardian

Your dependent child(ren) up to age 26, whether they are a full time student or not, for all plans. Coverage ends at the end of the month following the date they turn 26

Your continuously disabled dependent child(ren) [if disabled prior to age 26] who are incapable of self-sustaining employment and dependent upon you for support, regardless of age

How to Enroll

Complete your enrollment forms and make sure they are received by Human Resources within the Open Enrollment Period of November 1st—November 30th.

What if I Don’t enroll?

Your benefit elections from 2016 will rollover automatically, but will reflect the 2017 contribution amounts. Please Note: You must re-enroll each year for your Health Care and Dependent Care Spending Accounts.

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Group Off-the-Job Short-Term Disability Insurance Is your existing coverage enough?

Additional Short Term Disability can provide additional protection from financial hardship if you become disabled.

Features include: Up to 60% of your weekly pre-disability earnings (up to 40% in states with state disability) up to a maximum benefit of $6,000 per week.

Benefits are payable after the elimination period and continue for up to 3 months. You can select a 0/7 (accident/sickness) or 14/14 (accident/sickness) elimination period. For example, if you select a 0/7 elimination period this means benefits are payable immediately for a covered accident and after 7 days for a covered sickness.

Group Accident Insurance Because Accidents are Unpredictable!

Accident Insurance provides benefits for out-of-pocket expenses associated with a covered accident such as emergency room treatment, broken bones, physical therapy, doctor visits, and more. Benefits are paid directly to you, unless otherwise assigned in addition to any other benefits received. A high and low plan are available.

Group Critical Illness Insurance Are you protected?

Critical Illness Insurance helps protect you and your family members against the financial strains/expenses of a Critical Illness.

Features include: Lump sum benefit paid upon initial diagnosis of each covered illness and a $50 Annual Health Screening Benefit.

Benefits are paid directly to you, unless otherwise assigned in addition to any other benefits received and may be used for any purpose.

Help Protect your savings – if diagnosed with a Critical Illness, focus on recovery, not finances!

Group Supplemental Hospital Indemnity Insurance Does your major medical insurance cover all of your bills?

Supplemental Hospital Indemnity Insurance can help provide financial assistance to enhance your current coverage.

Features include: 2 available plans with various benefit options:

Plan 1 provides benefits for hospital confinement, hospital admission and intensive care.

Plan 2 provides benefits for hospital confinement, hospital admission, and intensive care as well as ER/physician visit, out-of-hospital prescriptions and well baby care.

The Aflac coverage described in this booklet is subject to plan limitations, exclusions, definitions, and provisions. For detailed information, please see the plan brochure, as this booklet is intended to provide a general summary of the

coverage. This overview is subject to the terms, conditions, and limitations of the plan.

Voluntary Benefits

V oluntary benefits give you an opportunity to enhance your other coverage by providing important benefits that help protect you, your family, and your assets in the event of the unexpected. These benefits, which you pay for

through an a group premium, supplement your other health insurance when you need it most—in the case of a cov-ered disability, critical illness, hospitalization and/or accident. These plans pay cash directly to you, unless otherwise assigned and you can use the cash wherever it’s needed, for example, helping with out-of-pocket medical costs, home healthcare, travel to and from treatment facilities, childcare, and more.

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2017 Health Care Reform Update

T he Affordable Care Act (or ACA) continues to affect health insurance plans for employers, like County of Montgomery, and County of Montgomery employees. For the company, it means we continue to:

Comply with all applicable health plan coverage, administration, and tax reporting requirements of the ACA.

Pay all applicable taxes and fees as required by the ACA.

For individual employees, the law requires most individuals to have health insurance or pay a tax penalty. If you enroll in an County of Montgomery medical plan, you will meet the ACA’s requirement for health coverage. County of Montgomery pays the majority of the cost for this coverage.

If you do not enroll in a County of Montgomery medical plan, you have other options, as shown below. We encourage you to evaluate all your options and compare their costs to make the best choice for you and your family.

Elect coverage through your spouse’s employer.

Participate in a federal or state program such as Medicare or Medicaid (if eligible).

Elect coverage through a plan you purchase through the Health Insurance Marketplace (www.healthcare.gov).

It’s important to note that because you are eligible for coverage through County of Montgomery, you may not qualify for any subsidies if you purchase a plan through the Marketplace—that means you would pay the full cost of that coverage.

If you do not obtain coverage through County of Montgomery or another source, you may be subject to a penalty on your taxes. For 2016 the annualized penalty is the greater of:

A) 2.5% of your yearly household income above the tax filing threshold (up to the national average premium for a bronze plan in the individual insurance marketplace ($2,676 for an individual and $13,380 for a family of 5)), OR

B) $695 per adult and $347.50 per child under age 18 (up to $2,085 per family).

For 2017, the fixed dollar amounts in a) above will be based on average 2017 marketplace premiums and the fixed dollar amounts in b) above will be adjusted for inflation.

Summary of Benefits and Coverage Notice

You can find the Summary of Benefits and Coverage (SBC)—the format required by the Affordable Care Act—for the Independence Blue Cross medical and Express Scripts Rx plans on the County of Montgomery intranet. These summaries may be helpful to provide more information about County of Montgomery’s medical and Rx plans, or to compare our plans to others, such as plans available to you through your spouse’s employer. You may also request a paper copy by contacting Human Resources.

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Contact Information

Benefit Vendor Contact

Medical Plan 1-800-ASK-BLUE (800-275-2583)

www.ibx.com

MDLIVE 1-877-764-6605

MDLIVE.com

Prescription Plan 1-800-711-0917

www.express-scripts.com

Dental Plan 1-866-582-9629

www.aetna.com

Vision Plans

1-888-393-2583

www.ibx.com

866-723-0514

www.eyemedvisioncare.com

Life Insurance 1-877-778-1383

TheHartfordAtWork.com

Disability Insurance 1-800-549-6514

www.thehartford.com

Voluntary Benefits

1-800-433-3036 (enrolled only)

1-888-256-2124 (pre-enrollment)

www.aflac.com/montgomery

Flexible Spending

Accounts

1-800-580-6854

www.enrollonline.com

Health Advocate 1-866-695-8622

www.HealthAdvocate.com/montcopa

Employee Assistance

1-800-767-5320

www.my-life-resource.com

Username: hmsa; password: myresource

College Savings 1-800-440-4000

www.PA529.com

Retirement Plan 1-800-234-3500

www.lfg.com

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This Open Enrollment newsletter covers only the highlights of The County of Montgomery’s Benefits Programs. While we have tried to be as accurate as possible in developing this information, the official plan documents govern in all cases. !