employee benefits enrollment guide

PRESENTED BY Schroepfer Bauer Insurance

Employee Benefits Enrollment Guide

ECC - 2012

Welcome to Open Enrollment!

Elections made during open enrollment will become effective on January 1, 2012 .

ECC offers you and your eligible family members a comprehensive and valuable benefits program. We encourage you to take the time to educate yourself about your options and choose the best coverage for you and your family.

Who is Eligible?

Full-time employees who work 40 hours or more per week.

Medical, Dental, Vision, Voluntary Life, Disability

Spouses and Dependents of eligible employees.

Medical, Dental, Vision, Voluntary Life

When to Enroll

The open enrollment period runs from Friday, November 11, 2011 through Friday, December 2, 2011.

The benefits you elect during open enrollment will be effective from January 1, 2012 through December 31, 2012.

How to Make Changes

Unless you have a qualified change in status, you cannot make changes to the benefits you elect until the next open enrollment period. Qualified changes in status include:

• Marriage• Divorce• Legal separation• Status change• Birth or adoption of a child• Change in child’s dependent status• Death of a spouse, child or other qualifying dependent• Change in residence due to an employment transfer for you, your spouse

or domestic partner• Commencement or termination of adoption proceedings• Change in spouse’s or domestic partner’s benefits or employment status

What’s New for 2012 ?

Medical and Prescription Drugs

Several changes have been implemented to the medical and prescription drug benefits for the

upcoming plan year. GHP will be your new medical insurance carrier

ECC employees will still have three plan designs to choose from

Base Plan – $500 deductible with 80% coinsurance

Buy Up Plan - $0 deductible with 100% coinsurance

H.S.A. Plan - $2500 deductible with 100% coinsurance

New Copay amounts for the Base and Buy Up plans

New Deductible amount on the H.S.A. plan

Some prescriptions may fall into a different tier with GHP than with UHC

Three Medical Plans

Three Choices

GHP Plan Name

Deductible Coinsurance

Base Plan PPO Plan: CR500 $500 80%

Buy Up Plan PPO R377 $0 100%

H.S.A. Plan QAR2500E $2500 100%


The following chart compares our current benefits to the new benefits that will take effect .

Base Plan CR500 Buy-Up Plan PPO R377

Services Current Next Plan Year Current Next Plan Year

Physician Visit $15 PCP / $25 Specialist $20 PCP / $40 Specialist $15 PCP / $15 Specialist $20 PCP / $40 specialist

Deductible- Individual- Family

$500$1000

$500$1000

$0$0

$0$0

Coinsurance 80% 80% 100% 100%

Urgent Care $50 $50 $35 $50

Emergency Room $150 $200 $75 $200

Out of Pocket Maximum- Individual- Family

$2000$4000

$2500$5000Out of Pocket Max includes Copays (except RX)

$0$0

$1000$2000Out of Pocket Max includes Copays (except RX)

Prescription Drugs- Tier 1- Tier 2- Tier 3

$15$25$50

$8$30$55

$8$25$45

$8$30$55


The following chart compares our current benefits to the new benefits that will take effect .

H.S.A. QAR2500E

Services Current Next Plan Year

Physician Visit Deductible & Coinsurance Deductible & Coinsurance

Deductible- Individual- Family

$2000$4000

$2500$5000

Coinsurance 100% 100%

Urgent Care Deductible and Coinsurance Deductible and Coinsurance

Emergency Room Deductible and Coinsurance Deductible and Coinsurance

Out of Pocket Maximum- Individual- Family

$3000$6000

$3500$7000

Prescription Drugs- Tier 1- Tier 2- Tier 3

Deductible then $10Deductible then $30Deductible then $50

Deductible then $12Deductible then $30Deductible then $55

NEW FOR 2012When you select family coverage on the H.S.A. plan the deductible is

now “embedded.” This means that a single family member need only

satisfy the $2500 deductible.

Your Cost in 2012

Base PlanPPO CR500

Buy Up Plan PPO R377

Monthly Premium Paid by ECC

Monthly Premium Paid by Employee



Employee $565.00 $0 $565.00 $160.00

Employee & Spouse $565.00 $600.57 $565.00 $957.64

Employee & Child $565.00 $489.57 $565.00 $812.65

Employee & Family $565.00 $1,039.04 $565.00 $1,530.47

Your Cost in 2012

H.S.A. PlanQAR2500E



Monthly Contribution Paid by ECC to Employee’s H.S.A.

Employee $377.22 $0 $187.78

Employee & Spouse $565.00 $175.00 $0

Employee & Child $565.00 $100.00 $0

Employee & Family $565.00 $445.00 $0

Dental Benefits

Reliance Standard will be your new Dental Carrier.

The plan design is the same.

Provider Network is different.



Employee $27.68 $0

Employee & Spouse $27.68 $26.62

Employee & Child $27.68 $60.44

Employee & Family $27.68 $86.74

Vision Benefits

Vision insurance will

remain with VSP for 2012.



Employee $6.21 $0

Employee & Spouse $6.21 $3.72

Employee & Child $6.21 $3.93

Employee & Family $6.21 $10.14

Basic Life Insurance

ECC provides full-time employees with $50,000 worth of group life insurance, and pays the full cost of this benefit.

Contact Human Resources to update your beneficiary information or complete a change form today…

Voluntary Life Insurance

Employees who want to supplement their group life insurance benefits may purchase additional coverage. When you enroll yourself and/or dependents, you pay the full cost through payroll deductions. You can purchase coverage

on yourself

and your spouse and your child.

Contact Human Resources to apply for supplemental life insurance or

complete a change form & evidence of insurability form today…

Health Savings Accounts (HSAs)

If you participate in the high deductible health plan (HDHP), you can set aside money in a Health Savings Account (HSA) before taxes are deducted to pay for eligible medical, dental and vision expenses.

An HSA is similar to a FSA in that you are eligible to pay for health care expenses with pre-tax dollars.

Advantages of an HSA

Unused money is not forfeited at the end of the year and is carried forward.

The account is yours to keep so that you can take it with you if you change jobs or retire.

If you have any money remaining after your retirement, you may withdraw it as cash.

H.S.A. dollars can be used to pay qualified medical expenses for yourself and family members.

Health Savings Accounts (HSAs)

The maximum amount that you can contribute to an HSA in 2012 is $3,100 for individual coverage and $6,250 for family coverage.

If you reach age 55 or older before the end of the year, you may make additional “catch-up” contributions of $1,000

Additional Benefit Offerings

Wellness Screening

CHC Wellness will be conducting On-Site Health and Wellness Screenings

Thursday, January 5, 2012

And

Wednesday, January 11, 2012

7:30 a.m. to 10:30 a.m.

Watch for more details so you can register online.


Health and Wellness Lunch & Learn

Sponsored by CHC Wellness

Tuesday, December 6th, 2011

11:30 a.m. to 12:30 p.m. MP203

Contact Megan Elbert in HR by

Wednesday, November 30, 2011 to register.


Flexible Spending Account

ASIFlex will continue to be our F.S.A. Administrator

2012

Healthcare Spending Limit: $3,000

Dependent Care Spending Limit: $5,000

Dental & Vision Spending Limit: $3,000

You must enroll online by December 2, 2011

Webinars will be offered on November 15th and 16th

Forms to be Completed

GHP medical enrollment form – everyone must complete.

Reliance dental enrollment form – only if you wish to add or delete family members. If no form is completed, your enrollment will stay the same as with UHC.

Reliance supplemental life form and evidence of insurability form to change your Voluntary Life insurance for yourself or family members. If no form is completed, your coverage will remain the same.

Beneficiary form – only if you would like to make a change.

Completed enrollment forms must be turned in to H.R. by Monday, December 5, 2011.

What to expect

New GHP medical I.D. cards will be mailed to your home address. You should receive them prior to January 1st.

New Reliance dental I.D. cards will be mailed to your home address. You should receive them prior to January 1st.

Questions & Answers

employee benefits enrollment guide

Documents