let’s talk bene˜ts - electbenefits · plan year 2017 starting the bene˜ts conversation let’s...

Plan Year 2017

Starting the bene�ts conversation

Let’s Talk Bene�ts

Needs braces

Learned to ride a bike

Had an eye exam

Quit smokingLost 10 pounds

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Table of ContentsWelcome........................................................................................................................................................................... .2

Who.is.Eligible?.............................................................................................................................................................. 3

How.to.Enroll................................................................................................................................................................... 3

Making.Benefit.Changes............................................................................................................................................. 3

Let’s.Talk.Medical.Coverage....................................................................................................................................... 4

Health.Savings.Account.(HSA)................................................................................................................................. 6

Flexible.Spending.Accounts.(FSAs)....................................................................................................................... 6

Let’s.Chat.About.Dental.Coverage......................................................................................................................... 7

Take.a.Look.at.Vision.Coverage............................................................................................................................... 8

Voluntary.Benefits......................................................................................................................................................... 9

Disability.Insurance....................................................................................................................................................... 11

Life.and.AD&D.Insurance........................................................................................................................................... 12

Employee.Assistance.Program.(EAP)...................................................................................................................13

Health.and.Wellness.Tools.........................................................................................................................................14

Cost.for.Coverage.........................................................................................................................................................16

Important.Contacts...................................................................................................................................................... 17

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WelcomeWoodforest.Financial.Group.offers.you.and.your.family.a.quality,.comprehensive.benefits.program.to.keep.you.happy.and.healthy.at.work.and.at.home..This.overview.is.designed.to.assist.you.in.making.your.benefit.enrollment.choices..The.medical.plan.meets.the.essential.elements.of.coverage.required.by.federal.law.and.meets.the.affordability.guideline.standards.

The information contained in this guide is effective January 1, 2017 - December 31, 2017.

New Hire Enrollment

Benefits.are.effective.the.first.day.of.the.month.following.date.of.hire.for.Medical,.Dental,.Vision,.FSA,.HSA,.Company.Paid.Life.and.LTD.plans..All.other.Supplemental.and.Voluntary.plans.are.effective.the.first.of.the.month.following.30.days.of.employment..

Benefits.are.effective.from.January.1,.2017.-.December.31,.2017.

Who is Eligible?All full-time employees (30 or more hours) and all part-time benefit eligible employees (as determined by the Affordable Care Act) are.eligible.to.enroll.in.Medical,.Dental,.Vision,.Health.Savings.Account,.Flexible.Spending.Accounts,.Disability.Plans,.Supplemental.Life.Insurance,.and.voluntary.products.including.Accident,.Critical.Illness,.Whole.Life,.and.Hospital.Indemnity.

All part-time employees (working a minimum of 20 hours per week).are.eligible.to.enroll.in.Short.Term.Disability,.Supplemental.Life.Insurance,.and.voluntary.products.including.Accident,.Critical.Illness,.Whole.Life,.and.Hospital.Indemnity..

Your.eligible.dependents.also.have.access.to.many.of.the.benefits.we.offer..Eligible.dependents.include:

•. Legal.spouse,.if.he.or.she.does.not.have.other.coverage.available.through.their.employer

•. Dependent.children.until.age.26.

•. Dependent.children.who.are.or.become.disabled.before.reaching.age.26.and.meet.certain.requirements

Note:.You.may.need.to.provide.documentation.during.the.next.dependent.audit.proving.your.dependents’.eligibility.which.will.include.proving.that.your.spouse.is.not.offered.coverage.through.their.employer.

Reminder

ALL.New.Hires.must.complete.enrollment.within.14.days.of.their.date.of.hire.

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How to EnrollTo.enroll.in.benefits,.we.offer.an.online.enrollment.website.accessible.from.any.computer.or.mobile.device.that.has.internet.access.to.make.enrollment.easy.and.convenient..To.complete.your.enrollment,.simply.follow.these.steps:.

To complete your enrollment:

STEP 1. Login.to.www.electbenefits.com/woodforest

STEP 2. Your.user.ID/Login.ID.will.be.your.Woodforest.employee.ID.number.

STEP 3. Your.passcode.will.be.last.4.digits.of.your.SSN#.and.birth.date.as.MMDDYYYY.(Example:.SSN#.=.xxx-xx-4568,.DOB.=.June.11,.1968,.Password.=.456806111968).

STEP 4. Click.the.“Login”.button.to.begin.the.enrollment.process.

Making Benefit ChangesDuring.open.enrollment,.you.can.change.your.coverage.to.enroll.or.cancel.dependents..The.benefit.choices.you.make.during.your.enrollment.will.remain.in.effect.for.the.entire.plan.year.unless.you.have.a.change.in.family.status.or.a.qualifying.event..You.can.only.change.your.healthcare.coverage.when.you.experience.a.qualifying.life.event.

Examples.of.a.qualified.change.in.family.status.include,.but.are.not.limited.to,.the.following:

•. Marriage.or.divorce

•. Birth.or.adoption.of.a.child

•. Change.in.employment.for.you.or.your.spouse.that.affects.your.benefit.eligibility

•. Loss.of.other.health.coverage

It.is.your.responsibility.to.notify.the.Benefits.Department.within.30.days.from.the.date.of.the.qualifying.life.event..You.will.also.be.required.to.provide.documentation.to.support.the.request.within.45.days.of.the.date.of.the.event.such.as.as.marriage.license,.divorce.decree,.birth.certificate/birth.facts.sheet,.etc..Any.benefit.changes.must.be.directly.related.to.the.qualified.change.in.family.status..

Please Note:

In.some.cases,.such.as.termination.of.a.Dependent’s.Medicaid.or.Children’s.Health.Insurance.Program.(CHIP).coverage.as.a.loss.of.eligibility,.the.time.frame.may.be.different..Please.contact.the.Benefits.Department.for.more.information..

NOTE: If.you.currently.contribute.to.a.Health.Savings.Account.or.Flexible.Spending.Account,..re-enrollment.is.required.annually.

Please Note! You.cannot.waive.coverage.and.buy.insurance.on.the.Healthcare.Exchange.and.still.be.eligible.for.a.premium.tax.credit..Please.see.healthcare.gov.for.more.information.

Prescription Drug Benefit Breakdown

Your.healthcare.plans.include.prescription.drug.coverage..There.are.3.tiers..of.prescription.drugs:

•. Tier.1.-.Lower-cost.drugs.(generics.and.some.brands.included)

•. Tier.2.-.Mid-range.cost.(mix.of.brands.and.generics)

•. Tier.3.-.Highest.cost.(mostly.higher-cost.brands).

•. Specialty.medications

We.encourage.you.to.discuss.your.prescriptions.with.your.doctors.and.to.use.the.tools.available.on.www.myuhc.com.to.make.certain.that.you.are.getting.the.best.care.at.the.lowest.cost.option...

Let’s Talk Medical CoverageAt.Woodforest.Financial.Group,.we.offer.you.three.medical.plans.through.UnitedHealthcare®(UHC).designed.to.help.you.get.the.care.you.need.at.an.affordable.price..

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Helpful Terms

In-Network.-.These.are.doctors,.healthcare.facilities.and.other.providers.that.have.entered.into.an.agreement.with.our.health.plans.to.offer.care.to.members.of.our.plan.at.a.reduced.cost..Therefore,.when.you.visit.an.“in-network”.provider,.you.save.money.and.get.the.best.value.for.your.benefits!

Deductible.-.This.is.the.amount.that.you.pay.annually.towards.the.cost.of.healthcare.before.your.plan.starts.to.pay.(does.not.include.your.monthly.premium.).

Copay -.This.is.the.amount.that.you.pay.towards.the.cost.of.specific.healthcare.services..It.is.usually.paid.at.the.time.of.the.visit..Copays.do.not.apply.to.the.deductible.

Coinsurance.-.After.you.meet.your.annual.deductible,.you.and.the.Plan.share.the.cost.of.your.coverage..With.the.UHC.plans,.you.are.responsible.for.20%.of.covered.services.while.the.plan.covers.80%.when.using.in-network.healthcare.providers...

Out-of-Pocket Maximum -.The.maximum.amount.you.would.pay.for.covered.services.during.the.calendar.year..Once.you.meet.your.out-of-pocket.maximum,.the.plan.covers.100%.of.eligible.medical.expenses.for.the.remainder.of.the.calendar.year.

Out-of-Network -.Any.hospital.or.facility.not.in.the.UHC.Choice.Plus.network,.as.defined.and/or.verified.by.UHC.

•. Both the Core and Enhanced Plans.are.traditional.plans..You.pay.a.bi-weekly.premium.for.coverage,.and.you.pay.copays.for.the.services.you.use..For.both.plans,.you.have.annual.deductibles.that.must.be.met.before.the.plan.pays.80%.of.your.expenses..If.you.meet.the.yearly.out-of-pocket.maximum,.the.plan.will.cover.all.remaining.expenses.at.100%..

—. The Enhanced Plan allows you to use out-of-network physicians..Keep.in.mind.that.it.is.significantly.more.expensive.(for.both.you.and.the.company).if.you.use.a.non-network.doctor,.facility,.or.pharmacy.

•. The UHC HSA Plan combines a high deductible health plan with a Health Savings Account. This.new.plan.has.a.lower.bi-weekly.cost.but.higher.annual.deductibles..You.pay.100%.of.your.medical.expenses.until.you.hit.your.deductible..The.plan.then.pays.80%.of.the.cost.for.services.until.your.out-of-pocket.maximum.is.met..The.plan.will.then.pay.100%.of.your.services.for.the.rest.of.the.plan.year..

—. This plans allows you to set aside pre-tax dollars.in.a.Health.Savings.Account.(HSA).to.pay.for.any.services.you.use..The.dollars.in.your.HSA.roll.over.from.year.to.year.and.are.yours.to.take.if.you.ever.leave.the.company..Woodforest.will.also.help.you.grow.your.savings.by.adding.money.to.your.HSA.every.pay.period.for.the.first.year.of.participation..See.page.6.for.more.information.

BENEFIT HIGHLIGHTS UHC CORE UHC ENHANCED PLAN UHC HSA PLAN

In-NetworkOnly

In-NetworkOut-of-Network

In-NetworkOut-of-Network

Calendar Year Deductible (Individual/Family)

$2,000/.$4,000

$1,500/.$3,000

$6,000/.$12,000

$3,000/.$6,000

$6,000/.$12,000

Coinsurance.(portion.of.eligible.costs.the.plan.pays)

80% 80% 50% 80% 50%

Out-of-Pocket Maximum (Individual/Family)

$4,000/.$8,000

$3,500/.$7,000

$12,000/.$24,000

$6,000/.$12,000

$12,000/.$24,000

Preventive Care No.Charge No.Charge Not.Covered No.Charge Not.Covered

Office Visits•. Primary.Physician•. Specialist

$35.copay$50.copay

$25.copay$50.copay

50%.after.deductible



UHC Premium Designation Specialist

$35.copay $25.copay50%.after.deductible



Inpatient Hospital Services






Outpatient Hospital Services






Emergency Room$500.copay.(waived.if.admitted)

$500.copay..(waived.if.admitted)


Outpatient Lab, X-Ray and Diagnostics

No.charge No.charge50%.after.deductible



Urgent Care Center $40.copay $40.copay50%.after.deductible



Mental Health Services•. Inpatient•. Outpatient


$35.copay


$25.copay




Prescription Drugs – Retail

(up to a 30-day supply)

Tier.1Tier.2Tier.3Specialty.Drugs

$10.copay$25.copay$50.copay25%.of.RX.cost.up.to.

$125


$125




Prescription Drugs – Mail Order

(up to a 90-day supply - OptumRx)

Tier.1Tier.2Tier.3Specialty.Drugs


$250


$250

Not.Covered80%.after.deductible

Not.Covered

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Health Savings Account (HSA) An HSA provides a tax-favored account that allows the account holder to save and pay for qualified medical expenses tax-free. You must actively enroll in the HSA each year. To open an HSA, you must elect the UHC HSA Plan.

HEALTH SAVING ACCOUNT (HSA)

HSA Vendor Optum Bank / www.optumbank.com

Annual Limits

Single: $3,400Two-Party/Family: $6,750

Age 55 and above can contribute an additional $1,000 catch-up contribution

Note: The tax-free contribution limits include any employer contributions to your HSA.

Eligible ExpensesHealth, dental and vision care expense such as deductibles, copays,

and prescriptions

When Are Funds Available?

You can be reimbursed for qualified medical expenses up to the amount available in your account.

Payment or Reimbursement Options

Debit Card, pay online, HSA checks, electronic funds transfer (EFT)

Carry Over RulesAny unused funds in your HSA roll over from year to year regardless of

employment status

Woodforest Contribution Amounts The Woodforest contribution is a one time contribution, for first time enrollees, divided over one year (26 pay periods). If you have already received the one time contribution from Woodforest, you will not be eligible to receive it again, but may still participate in the HSA.

• Employee: $750

• Employee + 1: $1000

• Employee + 2: $1500

• Employee + 3 or more: $2000

*If you are enrolled in Medicare, you are not eligible to participate in a Health Savings Account.

Flexible Spending Accounts (FSAs) Flexible Spending Accounts (FSAs) enable you to put aside tax-free money for important expenses and help you reduce your income taxes at the same time. Woodforest Financial Group offers two types of FSAs — a Healthcare Flexible Spending Account and a Dependent Care Flexible Spending Account. You will contribute, through a pre-tax payroll deduction, an annual election amount that is deducted in equal installments throughout the year.

HEALTH CARE FSA DEPENDENT CARE FSA

Annual Limit $2,600 ($500 minimum contribution) $5,000 ($500 minimum contribution)

Eligible ExpensesHealthcare expenses such as

deductibles, copays, and prescriptionsDependent care such as day care and

elder care

When Are Funds Available?

Full annual election available upon benefits effective date

You can be reimbursed up to the amount available in your account

Payment or Reimbursement Options

Debit card, direct deposit, or check Debit Card, direct deposit, or check

Deadline for Services

Services must be incurred by 12/31/17 Services must be incurred by 12/31/17

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Important FSA Rules to Keep in Mind

• You must actively enroll in the FSAs each year. You are not automatically re-enrolled.• The IRS has a strict “use it or lose it” rule. If you do not use the full amount in your FSA by the

end of the plan year, you will lose any remaining funds. Calculate your expenses conservatively.• You cannot transfer funds from one FSA to another. Ensure you completely understand what

type of expenses you can submit for reimbursement for each of the two different plans.• If you enroll in the UHC HSA Plan, you are not eligible for the Health Care FSA.

Let’s Chat about Dental CoverageWith the UHC Dental plan, you have the flexibility to see any dentist. However, you will pay less out-of-pocket when you receive care from in-network dentists who have negotiated fees with UHC.

DENTAL PLAN FEATURES UNITED HEALTHCARE DENTAL PLAN

In-Network* Out-of-Network**

Annual Deductible (does not apply towards Preventive Care Services)

$50 individual/ $150 family $50 individual/ $150 family

Maximum Annual Benefit $1,000/person $1,000/person

Preventive Services (Exams, X-rays, Cleanings)

100% covered 100% covered

Basic Services (Fillings) 80% after deductible 80% after deductible

Major Services (Periodontics, Endodontics, Crowns, Root Canals)

50% after deductible 50% after deductible

Orthodontia50% with a $1,000 lifetime

maximum to age 19/per person50% with a $1,000 lifetime

maximum to age 19/per person

Major Dental & Orthodontia Services have a 12-month waiting period post enrollment, unless proof of prior coverage is provided to the Benefits Department and approved by United Healthcare.

* The in-network percentage of benefits is based on the discounted fee negotiated with the provider.

** The out-of-network percentage of benefits is based on the usual and customary rates prevailing in the geographic areas in which the expenses are incurred.

Frequency Limitations and Exclusions apply.

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Take a Look at Vision CoverageThe.vision.plan.includes.benefits.for.eye.exams,.eyeglasses,.and.contact.lenses.through.UHC.Vision/Spectera.

VISION SERVICE FREQUENCYUHC VISION/SPECTERA

PROVIDERNON UHC VISION/

SPECTERA PROVIDER

Routine Eye Exam Every.12.months $10.copayUp.to.$60.

reimbursement

Lenses Every.12.months$25.copay,..

then.covered.at.100%..

Up.to.$120.allowance

Frames Every.24.months

$25.copay,..then.$130.allowance.at.private.practice.

providers/retail.chain.providers.

Contact Lenses..(in.lieu.of.eyeglasses)

Every.12.months

$25.copay.

$150.allowance.for.all.other.elective.contacts.

(the.non-selection.contact.allowance)

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Voluntary BenefitsChanges.to.voluntary.products.other.than.cancellation.can.only.be.made.at.annual.enrollment..To.cancel.your.current.Voluntary.Benefits.coverage,.please.contact.Unum®.directly.at..800-635-5597..

Accident Insurance

Accident.insurance.provides.a.lump.sum.payment.based.on.the.accident/injuries.sustained..The.policy.pays.you.directly.and.you.decide.the.best.way.to.spend.it..It’s.that.simple..Whether.it’s.to.pay.medical.expenses,.the.mortgage,.car.payments.or.even.utility.bills,.you.decide..Other.advantages.of.Accident.insurance.are:

•. You.receive.cash.benefits.for.expenses.that.may.not.be.covered.under.your.medical.insurance.

•. Employees.can.keep.coverage.even.if.you.leave.Woodforrest.

•. There.are.no.health.questions.to.answer.to.obtain.coverage.

•. You.can.cover.your.spouse.and.children.

•. There.is.no.limit.to.the.amount.of.accidents.you.can.claim.under.the.policy.(with.exception.to.policy.rules).

Why do I need Accident Insurance?

Ride.bikes.or.drive.a.car?.Jog.or.play.sports?.Accidents.can.happen.when.you.least.expect.it..Are.you.prepared.financially.to.pay.the.expenses.that.can.occur.as.a.result?.What.about.day.to.day.activities.that.can.lead.to.accidental.injuries.—.cooking,.walking.down.the.stairs,.or.driving.to.work?

Accident.insurance.is.a.way.to.ensure.you.can.stay.ahead.of.the.out-of-pocket.expenses.associated.with.medical.treatments..Your.medical.plan’s.copays,.coinsurance,.and.deductibles.can.add.up.quickly.after.a.sudden.or.unexpected.injury..While.you.can’t.predict.when.an.accident.will.happen,.you.can.be.prepared.financially.

Unum Accident Flyer

Unum Accident Schedule of Benefits

Critical.Illness,.Accident,.Whole.Life,.and.Hospital.Indemnity.Insurance.coverage.may.be.purchased.for.yourself,.your.spouse.and.dependents,.and.you.may.take.your.policy.with.you.if.you.retire.or.leave.the.company.

Critical Illness

Critical.illness.coverage.provides.a.way.for.you.to.stay.ahead.of.the.medical.and.out-of-pocket.expenses.that.can.accompany.certain.covered.medical.events..

Consider.the.following.advantages.of.this.critical.illness.coverage.offering:

•. A.set.amount.of.money.is.paid.directly.to.you.to.be.used.however.you.choose.

•. You.can.keep.the.policy.even.if.you.leave.Woodforest.or.retire,.as.long.as.you.pay.the.premium.

•. The.policy.is.conveniently.deducted.from.payroll.

•. You.can.insure.your.spouse.and.children.

Why do you need Critical Illness coverage?

Most.medical.plans.provide.coverage.for.hospital.and.medical.expenses.associated.with.critical.illnesses.such.as.stroke,.heart.attack,.cancer,.kidney.failure,.major.organ.transplant,.coma.and.paralysis..Even.so,.there.are.many.expenses.that.aren’t.covered.that.can.be.financially.devastating..With.critical.illness.coverage,.you.can.be.prepared.financially.for.costs.like:

•. Copays,.deductibles,.and.coinsurance

•. Possible.transportation.and.lodging.needs

•. Childcare.and.other.domestic.help.expenses

•. Possible.loss.of.income

Unum Critical Illness Flyer

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Hospital Indemnity Insurance

When.you’re.faced.with.a.hospitalization,.there.will.be.medical.expenses.and.out-of-pocket.costs.that.aren’t.covered.by.your.primary.health.insurance.plan..Hospital.Indemnity.insurance.can.help.ease.the.financial.burden.of.a.hospital.admission,.allowing.you.to.focus.on.your.recovery.and.less.on.your.finances..

Why do you need Hospital Indemnity Insurance?

Consider.the.following.advantages.of.the.Hospital.Indemnity.coverage.offering:•. Payouts.occur.regardless.of.other.

coverage.you.may.have.

•. Pays.benefits.directly.to.you.to.be.used.as.you.see.fit.

•. The.policy.is.conveniently.deducted.from.payroll.

•. You.can.keep.the.policy.even.if.you.leave.Woodforest.or.retire.as.long.as.you..pay.premiums.

In.2011,.hospital.stays.had.an.average.cost.of.$1,960.per.day.in.the.U.S..It’s.easy.to.see.why.having.Hospital.Indemnity.coverage.makes.good.financial.sense..

Unum Hospital Indemnity flyer

Whole Life Insurance

Whole.Life.does.far.more.than.simply.offer.protection.for.your.loved.ones.when.you.die...It.can:

•. Pay.for.end-of-life.medical.expenses

•. Pay.funeral.costs

•. Help.pay.mortgage,.auto.loans,.and.credit..card.debt

•. Finance.future.needs.like.your..children’s.education.

•. Help.pay.day-to-day.living.expenses.like.utilities,.childcare,.food,.etc.

Consider the following advantages of this Whole Life insurance offering:

•. Rates.and.benefit.amount.remain.the.same.throughout.life.of.the.policy.

•. You.can.keep.the.policy.even.if.you.leave.Woodforest.or.retire.as.long.as.you..pay.premiums.

•. There.are.no.health.questions.for.you,.up.to.a.certain.amount.of.coverage.

•. You.can.insure.your.spouse.and.children..

•. You.have.access.to.cash.value.accumulated.over.time.within.your.policy.with.a.guaranteed.interest.rate.

•. Currently,.there.is.no.federal.income.tax.on.life.insurance.proceeds.

It.doesn’t.matter.what.your.family.dynamics.may.be:.married.with.no.children.or.married.with.children,.single.or.a.single.parent.-.life.insurance.should.play.a.critical.role.in.your.overall.financial.plan.

Why do I need Whole Life Insurance?If.someone.will.suffer.financially.when.you.die,.you.need.life.insurance.because.it.provides.cash.to.your.family.after.your.death..This.cash,.known.as.the.death.benefit,.replaces.your.income.and.helps.your.family.with.important.financial.needs..Life.insurance.is.a.simple.answer.to.a.difficult.question:.How.will.my.family.manage.financially.when.I.die?.

Unum Whole Life Flyer

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Disability InsuranceTo.protect.you.financially.in.the.event.of.a.disability,.Woodforest.Financial.Group.provides.full-time.employees.with.long-term.disability.insurance.and.gives.you.the.option.for.purchasing.short-term.disability.coverage,.as.described.below:

ELIMINATION PERIOD

COVERAGE DURATION BENEFIT AMOUNT WHO PAYS?

Voluntary Short-Term Disability

14.daysFrom.15th.day.up.to.24.weeks.of.

continuous.missed.days

60%.of.base.salary.(up.to.$1,000..

per.week)Employee

Long-Term Disability*

180.days

Up.to.Social.Security..Retirement.Age.if.disabled.prior.

to.age.62(maximum.benefit.period.varies.

if.disabled.at.age.62.or.after)

60%.of.base.salary.(up.to.$5,000..

per.month)

Woodforest.Financial.Group

* LTD benefits are offset with other sources of income, such as Social Security and workers’ compensation.

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Life and AD&D InsuranceAs.an.important.part.of.your.personal.financial.planning,.Woodforest.Financial.Group.provides.you.with.several.term.life.and.accidental.death.and.dismemberment.(AD&D).insurance.options.through.Unum®:

COVERAGE AMOUNTS WHO PAYS?

Basic Life and AD&D2.times.your.annual.salary.up.to.a.maximum.of.

$100,000Woodforest.Financial.Group

Voluntary Life and AD&D

Employee:.$10,000.increments.up.to.lesser.of.5x.annual.salary.or.$500,000Guarantee Issue*: $140,000

Employee

Spouse:.$5,000.increments.to.a.maximum.of.$500,000.

(up.to.100%.of.the.employee.amount)Guarantee Issue*: $25,000

Dependent:.$2,000.increments.to.a.maximum.of.$10,000.

Guarantee Issue*: $10,000.

*Guarantee Issue is the amount of coverage that you are able to choose without evidence of insurability. The amounts listed in the table are Guarantee Issue during your initial enrollment. Once enrolled, you may increase coverage up to the Guarantee Issue amount at annual enrollment without evidence of insurability.

Employee: Insurance coverage will be delayed if you are not in active employment because of an injury, sickness, temporary layoff, or leave of absence on the date that insurance would otherwise become effective.

Dependent: Insurance coverage will be delayed if the dependent is totally disabled on the date that insurance would otherwise be effective. Exception: Infants are insured from live birth. The maximum death benefit for a child between the ages of live birth and 6 months is $1,000. “Totally disabled” means that, as a result of an injury, a sickness or a disorder, your dependent is confined in a hospital or similar institution; is unable to perform two or more activities of daily living (ADLs) because of a physical or mental incapacity resulting from an injury or a sickness; is cognitively impaired; or has a life threatening condition.

*Important Notice to Employees Who Have Spouses That Are Also Employed By Woodforest: You may not cover your spouse as a dependent if your spouse is enrolled for coverage as an employee. No child may be covered by more than one employee in the plan. No child can be covered as both an employee and a dependent.

Beneficiary Designation

You.must.choose.a.beneficiary.for.your.life.and.AD&D.insurance.benefit..You.may.have.both.primary.and.contingent.(secondary).beneficiaries.which.will.be.applied.to.all.benefits.where.a.beneficiary.is.designated..If.more.than.one.person.is.named.for.each.category,.the.total.percentage.must.add.up.to.100%..Unum®.can.pay.benefits.to.a.trust.only.if.the.employee.has.named.a.trust.as.beneficiary..Otherwise,.benefits.will.be.paid.to.a.guardian.of.the.child’s.estate.or.held.until.the.child.turns.18.

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Employee Assistance Program (EAP) To.help.you.with.personal.issues.and.concerns,.Woodforest.Financial.Group.provides.you.and.your.family.with.an.Employee.Assistance.Program.(EAP).at.no.cost.to.you..Call.OptumHealth.24.hours.a.day,.7.days.a.week,.at.1-800-622-7276.for.confidential.assistance.with.personal.matters..Experienced.consultants.are.available.to.listen.and.help.you.find.solutions..They.can.also.set.up.in-person.sessions.with.local.behavioral.health.counselors.if.needed..

UHC Employee Assistance Flyer

Visit.www.liveandworkwell.com.(access.code.WFG).for.helpful.tools.and.resources.for.topics.such.as:

•. Family:.relationships,.divorce.and.separation,.parenting,.elder.care,.adoption

•. Finances:.budgeting,.debt,.savings.and.investing,.large.purchases

•. Health:.managing.stress,.diet.and.exercise,.quitting.tobacco

•. Work:.career.development,.networking,.education.and.training

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Health and Wellness Tools As.a.Woodforest.Financial.Group.employee,.you.have.access.to.many.different.tools.and.resources.that.will.help.you.manage.your.benefits.and.connect.you.with.the.help.and.support.you.need.to.stay.healthy.

Myuhc.com – the tools you need to make better healthcare choices!

Visit.www.myuhc.com and.register.to.access.many.benefits.and.services:

•. View.your.claims•. Locate.in-network.physicians.and.pharmacies•. Print.an.ID.card•. Estimate.healthcare.costs•. And.more!

What Can I Do at my UHC Flyer

Choosing the Right Healthcare Setting Flyer

Health4Me Mobile App

Download.the.UHC.Health4Me.app.to.have.all.of.your.health.plan.information.at.your.fingertips..Access.your.health.plan.ID.card,.find.a.physician.or.facility,.use.the.cost.estimator.to.help.plan.your.care,.and.manage.your.claims.

UHC Health4Me Flyer

myNurseLine

UHC’s.24-Hour.myNurseLine.provides.you.with.advice.from.a.trusted.medical.professional.-.at.any.time.of.the.day.or.night..Registered.nurses.are.on.call.24/7.and.can.advise.you.as.to.whether.your.condition.is.something.that.can.be.treated.at.home,.or.if.you.need.to.go.to.an.emergency.room..The.call.is.free.and.confidential..To.take.advantage.of.this.service,..call.1-877-365-7949..

UHC myNurseline Flyer

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Healthy Pregnancy Program

UHC.provides.you.with.one-on-one.support.throughout.your.pregnancy.and.delivery..Healthcare.professionals.can.help.you.identify.any.risks.or.special.needs.through.a.wide.variety.of.educational.materials.and.resources..Call.1-888-246-7389.Monday.through.Friday.(8.a.m..to.8.p.m..CST).to.register..

UHC Healthy Pregnancy Flyer

Baby Blocks Mobile App

Stay.up-to-date.with.your.baby’s.development.through.UHC’s.free.Baby.Blocks.mobile.app..When.you.enroll.in.Baby.Blocks,.you.will.receive.a.free.Welcome.Kit.and.gift.at.your.home.address.as.well.as.other.rewards.for.achieving.key.milestones....

UHC Baby Blocks Mobile App Flyer

Quit For Life Smoking Cessation Program

Get.the.support.you.need.to.quit.smoking.at.no.additional.cost.as.part.of.your.UHC.benefits.plan..The.Quit.For.Life.program.offers.support.from.a.Quit.Coach,.Quit-Smoking.Medications,.and.a.Members-Only.Website.to.help.you.track.your.progress.and.connect.with.others.that.are.trying.to.quit.smoking..Upon.successful.completion.of.the.program,.you.will.be.eligible.for.a.non-smoker.discount..Start.living.tobacco.free.by.enrolling.today.at.quitnow.net.or.by.calling.1-866-QUIT-4-LIFE.

Quit For Life Flyer

Real Appeal

As.part.of.our.ongoing.commitment.to.wellness,.we.are.excited.to.announce.that.starting.in.January.2017,.we.will.be.offering.Real.Appeal.—.an.online.weight.loss.and.healthy.lifestyle.program.—.at.no.cost.to.eligible.participants!.Real.Appeal.is.a.scientifically-proven.program.that.has.helped.individuals.lose.weight.and.lower.their.risk.for.chronic.diseases.such.as.heart.disease,.Type.2.diabetes,.and.more..Contact.the.Real.Appeal.Answer.Center.at.1-844-344-REAL.(7325).to.find.out.if.you.qualify.and.enroll.today!

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Cost for CoverageCoverage Period: January 1- December 31, 2017

Your.premiums.for.medical,.dental,.and.vision.coverage.will.be.deducted.from.your.paycheck.bi-weekly.on.a.pre-tax.basis..When.you.verify.that.you.do.not.use.tobacco.products,.you.are.eligible.for.a.medical.premium.discount.right.away..Beginning.January.1,.2017,.smokers.may.contact.United.HealthCare.to.enroll.in.the.Quit.For.Life.Smoking.Cessation.Program..Employees.who.successfully.complete.the.program.will.be.eligible.for.the.Non-Smoker.premium.discount..

DEDUCTIONS PER PAY PERIOD (26 PAY PERIODS PER YEAR)

MedicalUHC Core

Plan

UHC Core Plan

Smoker

UHC Enhanced

Plan

UHC Enhanced

Plan Smoker

UHC HSA Plan

UHC HSA Plan

Smoker

Employee.Only $42 $60 $47 $65 $33 $51

Employee.+.1 $125 $144 $139 $157 $97 $116

Employee.+.2 $213 $231 $231 $250 $185 $204

Employee.+.3.or.More $370 $388 $393 $411 $231 $250


Dental

Employee.Only $5.50

Employee.+.1 $7.00

Employee.+.2 $11.00

Employee.+.3.or.More $12.50

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Vision

Employee.Only $2.25

Employee.+.1 $3.25

Employee.+.2 $4.50

Employee.+.3.or.more $5.50

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Contact InformationIf.you.have.any.questions.after.you.enroll,.please.call.the.benefit.plan.providers.directly.or.log.on.to.their.websites..See.the.table.below.for.contact.information.

BENEFIT VENDOR TELEPHONE WEB ADDRESS

UnitedHealthcare Medical 1-800-996-0271 www.myuhc.com

UnitedHealthcare Dental 1-877-816-3596 www.myuhcdental.com.

UnitedHealthcare Vision 1-800-638-3120 www.myuhcvision.com

OptumRx for Mail Order Drugs

1-855-842-6337 www.myuhc.com

Optum Bank- Health Savings Account

1-866-234-8913 www.myuhc.com

Unum® (Critical Illness, Accident, Hospital Indemnity and Whole Life Insurance)

1-800-635-5597 www.Unum.com

NurseLine 1-877-365-7949 www.myuhc.com

OptumHealth EAP 1-800-622-7276www.liveandworkwell.com.

Access.Code:.WFG

Cancer Resource Services 1-866-936-6002 www.myoptumhealthcomplexmedical.com

Kidney Resource Services 1-866-561-7518 www.myoptumhealthcomplexmedical.com

Woodforest 401(k) Plan 1-888-744-4015http://www.retirement-horizons.com/

AccountAccess.aspx

Woodforest Benefits Department

1-832-375-2254 [email protected]

Note:.This.brochure.is.intended.to.summarize.the.benefits.you.receive.from.Woodforest.Financial.Group..The.actual.determination.of.your.benefits.is.based.solely.on.the.plan.documents.provided.by.the.carrier.of.each.plan..This.summary.is.not.legally.binding,.is.not.a.contract,.and.does.not.alter.any.original.plan.documents.

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Notes

Let’s Talk Bene�ts

let’s talk bene˜ts - electbenefits · plan year 2017 starting the bene˜ts conversation let’s...

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