SLIDE 1

 2021 NEO Presentation ScriptSLIDE 1InstructionsIntroduction Mention what you and your department does. Explain that for most employees on the call this is their initial new employee open enrollmentBenefits they elect now will be in place for 2021 Make sure to add the dependents they want to enroll for 2021Information provided in this presentation can be found in the New Hire Packet received before the meetingNext Slide SLIDE 2Our agenda for today is to focus on:Where you should go to find benefits information A benefits overview - discussing the plan features, costs, and how the medical plans workOverview on voluntary benefits, the Wellness & EAP Program and other offerings. And finally, we will go over how to enroll NEXT SLIDESLIDE 3Sometimes the most difficult part is where to find answersNEXT SLIDESLIDE 4Benefit Liaisons are an extremely important resource to employeesTypically your Benefit Liaison will be your first point-of-contact for any questions you may have on benefits. (Mention YOUR liaison) Your liaison has been trained and educated to help you with understanding benefits and processesHe/She can also explain how to enroll or make changes to your benefits, and Share any updates that have been sent by the Benefits officeNEXT SLIDESLIDE 5We have created a robust website dedicated to making sure you have everything you need to understand your benefits! Information contained on our website is specific to the State of Arizona employees - including the New Hire Enrollment page, and vendor contact information such as phone numbers and web portals. It has all the information you need throughout the year - including rates, policies, benefit guides and communication sent to employees. This website does not require a password to view benefits, so your spouse or dependents can find information they need to view on the site as well.Please familiarize yourself with this website. NEXT SLIDESlide 6 We are now going to review your medical plan options and terms. NEXT SLIDESLIDE 7 Before we start talking about your medical plan options and how they work, let’s take a moment to understand some of the terms that are often used to describe your health insurance costs. PAGE DOWN TO ANIMATEPremiums are the amount you and your agency pays for your insurance PAGE DOWN TO ANIMATEA Deductible is your first dollar exposure to paying for covered services. PAGE DOWN TO ANIMATEAfter you have paid your deductible - then you start paying either a copayment or coinsurance for your services depending on the plan you are enrolled in. A copayment is a fixed dollar amount and a coinsurance is a percentage of the allowable medical costs. PAGE DOWN TO ANIMATEAnd finally, the out-of-pocket maximum is the most you will pay for services. The deductible, copayments or coinsurance, you pay, are applied to the out-of-pocket maximum (including prescription drugs). When you reach the out-of-pocket maximum, the plan will then cover 100% of your expenses for the remainder of the year.NEXT SLIDESLIDE 8Now we are going compare the features of our two medical options, the Triple Choice Plan and the High Deductible Health Plan The Triple Choice Plan has one premium that is higher but with a lower deductible, andThe High Deductible Health Plan has a lower premium with a higher deductible, -- But it comes with the advantage of a Health Savings Account that the State funds each pay periodBoth plans offer a comprehensive nationwide networkYou can find a large selection of in-network doctors not just in Arizona, but across the countryThey both allow for in- and out-of-network coverage -- But remember -- you pay more for out-of-network servicesNone of these plans require you to choose a PCP and there is no gatekeeper, meaning, that no referrals are required in order for you to see a specialistPreventive services are always free when you use an in-network providerNEXT SLIDESLIDE 9Some examples of preventive services include not only your annual wellness check ups, but include things like child and adult immunizations, various cancer screenings and tests, and other screenings or interventions that are rarely thought of, such as smoking cessation and depression screeningNEXT SLIDESLIDE 10To determine which plan works best for you let’s review some costs associated with your medical plansBoth BlueCross BlueShield of Arizona and UnitedHealthcare will offer the Triple Choice Plan and the High Deductible Health Plan. First, you can compare the premium for each plan -- PAGE DOWN TO ANIMATEThe Triple Choice Plan has a higher premium than the High Deductible Health Plan PAGE DOWN TO ANIMATEBut the High Deductible Health Plan comes with the advantage of a Health Savings Account that the State funds each pay period PAGE DOWN TO ANIMATEThe Triple Choice Plan is a tiered benefit planTier 1 are in-network doctors and facilities that provide higher quality and efficient care which allows you to pay the lowest deductible. Tier 2 are in-network doctors and facilities that may not meet the same standards as Tier 1, but they still provide quality care. PAGE DOWN TO ANIMATEThe benefit of the Triple Choice Plan is that Tier 1 and Tier 2 deductibles cross-applyThe Tier 1 deductible applies to Tier 2 andThe Tier 2 deductible applies to Tier 1So, if you are using doctors in both tiers, the most you will have to pay toward your deductible is $1,000 for individual or $2,000 for familyTier 3 are doctors and facilities that Do Not contract with a networkYou can choose to see those doctors or facilities, but remember -- you pay more for out-of-network servicesPAUSEFor the High Deductible Health Plan, you have two choicesin-network and out-of-network doctors and facilitiesThe deductible for in-network is separate from out-of-network deductiblesPAUSEPAGE DOWN TO ANIMATE The out-of-pocket maximum is the most you will pay for covered services in the yearFor the Triple Choice Plan, the out-of-pocket for Tier 1 and Tier 2 is a combined amountTier 3 has a separate out-of-pocket maximum PAUSEFor the High Deductible Health Plan, the out-of-pocket maximum for in-network services is separate from out-of-networkNEXT SLIDESLIDE 11This slide is to highlight the copayment and coinsurance structure for the most utilized services. The benefitoptions page will have the full details. Blue Cross Blue Shield and United Healthcare will have the same benefit structure and copay. Preventive services are at no cost to you when using in-network providersPCP copayment is $20 or 10%Telehealth services, such as Doctor on Demand, are $20 or 10%Hospital admissions are $250 or 10%All copays and coinsurance apply after deductibles are metNEXT SLIDESLIDE 12We will first discuss the Triple Choice Plan. When using the Triple Choice Plan, you have control of how much you will pay for your healthcare services. Start by visiting the BlueCross BlueShield of Arizona and UnitedHealthcare websites to find a provider. Those websites can be found on the Benefit Options website .First, choose a Tier 1, in-network doctorA doctor with a Tier 1 symbol indicates the lowest cost. Tier 1 doctors can be your PCP or specialist and a Tier 1 facility can include hospitals such as Banner Hospital, Flagstaff Medical Center or Yuma Regional.When you start using services, you will need to pay your deductible.Once you have met your deductible, you will pay a copayment the next time you receive services.If you reach your out-of-pocket maximum, then the plan will pay 100% of your care for the remainder of the year.NEXT SLIDESLIDE 13So now that you know you have two choices of in-network providerswhat the deductibles are andwhen you would pay a copaywe wanted to provide you with some examples of how to use the Triple Choice Plan when you choose Tier 1 providers or, if you needed to use a combination of both Tier 1 and Tier 2 providers. Let’s say you’re enrolled in the Employee Only Plan and you’re having a simple surgical procedure:The top chart shows the experience of using only Tier 1 providers and facilities - you will only need to pay the $200 deductible and after the deductible is met, you will then start paying a copay for each visit to a provider.The bottom chart shows how it works when you use a combination of Tier 1 and Tier 2 providers. In our example, your first office visit is a Tier 1 provider, you pay toward your Tier 1 deductibleYour next visit is a Tier 2 Specialist, you pay a Tier 2 deductibleNext you have radiology and you chose a Tier 1 imaging center. Because you have satisfied your Tier 1 deductible -- through cross application -- you now have satisfied your Tier 1 deductible.Now you have your surgery and you have chosen a Tier 1 hospital, you will only be responsible for a copayment.After your surgery you have a couple follow up visits to your Tier 2 Specialist. You will need to pay a deductible until you have satisfied the remaining Tier 2 deductible then you will pay a copayment for future visits.NEXT SLIDESLIDE 14We will now discuss your second plan option, the High Deductible Health Plan with the Health Savings account, also known as the HDHP with HSA. When using the HDHP/HSA you have control of how much you will pay for your healthcare services - just like the Triple Choice Plan. Your HSA is used to help you pay for those expenses.First, you should calculate how much you might spend in healthcare in 2021. If you need more than what the State will already contribute, take the amount you need in your account and subtract the State contribution. This will tell you how much more you need to add to your account.Next choose an in-network doctor that will give you the greatest savingsBlueCross BlueShield of Arizona has a designation called Total Care orUnitedHealthcare uses a Premium Provider Care Program which has a blue heart symbolProviders with these symbols are recognized for quality and cost-effective careWhen you start using services, you will need to pay your deductible. This includes prescription drugs.Once you have met your deductible, you will then be responsible for coinsurance. For example, if you see your doctor and let's say the average cost of the visit is $180 -- you will pay 10%, which is $18 for that visit.To help pay the deductible, use available funds in your Health Savings Account or you can pay out-of-pocket.If you get a bill, you can pay it directly by logging into your HSA account with either Optum or your vendor website.Once you reach your out-of-pocket maximum, then the plan will pay 100% of your care for the remainder of the year. For example, let’s say you were in the hospital for a week and the bill is $25,000. A 10% coinsurance would mean that you are responsible for paying $2,500Since you met your deductible of $1,500 before your hospital visit, your out-of-pocket maximum will be met by only paying $1,500 out of that $2,500After that you’re covered 100%An HSA is a personal savings account. You continue to receive funds in your Health Savings Account. There may be times when you will not use all these funds. These funds in your account is your money and the money can accumulate every yearFunds also earn interest, are used tax free, and can be investedNEXT SLIDESLIDE 15The High Deductible Health Plan allows you to control your cost. It is best to stay in-network, and The chart shows the experience of using providers and facilitiesYou will need to pay the deductible and after the deductible is met, you will then start paying coinsurance for each visit to a providerIn our example, your first office and specialist visits, radiology and surgery will have a deductibleAfter your surgery you have a couple follow up visits to your Specialist. You will need to pay until you have satisfied the deductible. You will then pay coinsurance for future visits.The added benefit of the High Deductible Health Plan is that while you are seeking care, the State will be contributing into your Health Savings Account PAGE DOWN TO ANIMATEYou can use the funds available in this account to pay your deductible PAGE DOWN TO ANIMATEYou can also contribute into this fund (tax free) for any amount up to the IRS Maximum Both the State funds and your contributions will be deposited to your Health Savings Account every pay period.NEXT SLIDESLIDE 16With the High Deductible Health Plan the state will automatically open a Health Savings Account with Optum Bank. You, not your employer, own and control the money in your HSA. The money contributed into the account is non-taxable.A Health Savings Account is a tax-advantaged medical savings account for those who are enrolled in a high-deductible health plan. The state funds $27.69 for individuals or $55.38 for the family plan each pay periodYou can also calculate how much you want to contribute in the account The IRS maximum for 2021 is $3,600 or $7,200 for familyIf you are over age 55, you can contribute an additional $1,000To use the funds, you will receive a debit card from Optum BankHSA funds in your account is your money and the money can accumulate every yearFunds also earn interest, are used tax free, and can be investedNEXT SLIDESLIDE 17When you enroll in the High Deductible Health Plan, the state will automatically open a Health Savings Account with Optum BankOptum follows the U.S.Patriot Act rules to open your bank account. There may be times when there’s a delay opening your accountOptum will email you directly or send you a letter requesting additional information from you if there are issuesSome reasons why there are delays could include incorrect addresses or inconsistent use of your legal name -- for example if your name is Thomas, but your name is Tom in our system, this may automatically cause a delay. You may not be eligible to contribute to an HSA if you are enrolled in other federal programs like Medicare, or you or your spouse has an HRA.NEXT SLIDESLIDE 18So what is the best plan for you? Well, everyone has a different situation and needs, but some things to consider areBenefits - the benefit structure is the same for both the Triple Choice Plan and the High Deductible Health Plan with the two vendors.The health and wellness services provided by each carrier can varyNetwork - both BlueCross BlueShield of Arizona and UnitedHealthcare offer a nationwide network,However, you need to make sure that your provider is in-networkThe provider networks are differentVisit their individual websites and look up your providersLook for your provider on both the Triple Choice Plan and the High Deductible Health Plan Networks.Cost: As previously mentioned, both plans have deductibles that you need to meet before the plan pays for healthcare coverageNEXT SLIDESLIDE 19To know which plan works best for you, visit our tool. ALEX to figure out how premiums and deductibles work for your budget or simply PAGE DOWN TO ANIMATEFigure out your annual premium PAGE DOWN TO ANIMATENext compare the different deductible amounts for each plan PAGE DOWN TO ANIMATETake into consideration the out-of-pocket maximum, which is the most you pay for healthcare expenses PAGE DOWN TO ANIMATEFor the High Deductible Health Plan - remember that the state will provide a contribution into an HSA. Those funds can be used to pay deductibles and coinsurance PAGE DOWN TO ANIMATEYou can also contribute to your HSA up to the IRS MaxNEXT SLIDESLIDE 20As a State of Arizona employee you will also have access to telehealth services. Our vendor is Doctor on Demand which is Available 24/7Just download the app and register. You can see on the presentation some of the conditions that can be treated.The cost is $49.00 if you have not met your deductible and after deductible the copay is $20.00 with Triple Choice Plan and 10% coinsurance with the HDHP/HSA plan. Each vendor has their own telehealth vendors as well. Blue Cross Blue Shield utilizes BlueCare Anywhere United Healthcare has Amwell and Teladoc. Please visit their website for more information and download the app.NEXT SLIDESLIDE 21We have created this chart to assist you in determining the most appropriate and cost effective method in seeking care. We have provided you with the different options you have and we also provided you withAvailable hours Conditions and treatmentsPossible waiting hoursLocationCost You can find this chart on the benefitoptions page under employees/saving on benefits. NEXT SLIDESLIDE 22Now let’s review your Pharmacy BenefitNEXT SLIDESLIDE 23MedImpact is our Pharmacy Benefit Manager (also known as a PBM). MedImpact maintains the formulary and the network of pharmacies. The formulary changes at least quarterly and you must use an in-network pharmacy to fill your prescriptions. The medical plan is not the pharmacy vendor. So if you have any questions or concerns regarding your prescription drugs, you can contact MedImpact.The information about your prescription drug program is located on your medical ID card.MedImpact as our PBM has many resources. For example, if you are currently taking medication for high cholesterol such as Crestor, MedImpact can tell you if the medication is on the formulary and they can also tell you if there is something comparable you can take that could possibly be less expensive.Other resources they have are the online capabilities. They will keep track of current medications and medications that you have taken in the past for easy reference. You can compare costs based on the pharmacy and find out which closest pharmacy has your prescription availableAnd, you can view your year-to-date prescription drug expendituresNEXT SLIDESLIDE 24The prescription drug copayments are$15 for Generic$40 for Preferred Brand$60 for Non-Preferred BrandYou can take advantage of mail order for prescriptions that you take regularly, such as your maintenance medications. For the High Deductible Health Plan, there are some drugs where you pay 100% of the medication before the deductible is met - this cost will apply toward your out-of-pocket maximumCopayments also apply toward your out-of-pocket maximumNEXT SLIDESLIDE 25There are other benefits available such as dental, vision, and life & disabilityNEXT SLIDESLIDE 26You have two dental plans that you can choose from.We offer a PPO plan with Delta DentalAnd a Dental HMO plan with Cigna DentalThe first plan we offer is a PPO plan with Delta DentalWith this plan, you don’t have to choose a dentist you can simply see any dentist that is in their national networkNote that PPO providers will have lower costs than Premier Dentists, so ask your dentist if he/she is a PPO or Premier Dentist.Preventive Services, such as dental cleanings are covered 100%On the dental PPO plan, you have deductibles of $50 per person, up to $150 for the family planOnce your deductible is met, you will then start paying coinsurance when you receive dental treatmentThe maximum Delta Dental will pay is $2,000 per person, per yearOrthodontia is covered for children and adults at a $1,500 per lifetimeThe second dental option is Cigna Dental. This is a Dental HMO plan where you must stay in-network. When you enroll with the DHMO, CIgna will select a dentist for you. If you would like to choose another dentist, you would simply contact them for that change. The Cigna Dental Care Access Network is a national network with fewer dentist and is available in most statesPreventive Services, such as dental cleanings are covered 100%With the DHMO plan there are no deductibles, no coinsurance, or no maximums. You would simply pay the amount of the treatment that is listed on the fee schedule. NEXT SLIDESLIDE 27Our vision plan is through Avesis Avesis provides a national network of independent and chain providersRoutine eye exams and lenses are covered on the planIf you use Target Optical, you will receive an additional $25 discount on framesNEXT SLIDESLIDE 28We also have other programs to assist you in paying for your healthcare expenses. TASC manages the Flexible Spending Account program. A Flexible spending account, also known as an FSA, is a tax-free option that reduces your taxable income and allows you to use funds for healthcare expenses such asDeductibles or copaymentsPrescription drugsAnd over-the-counter medicationThe Health Care FSA is available for those who are enrolled in the Triple Choice Plan to pay medical, dental and vision deductible or copaymentsIf you are on the High Deductible Health Plan and you do not want to use your HSA funds for dental and vision expenses, the limited purpose FSA is available.The maximum you can contribute is $2,750NEXT SLIDESLIDE 29The Dependent Care FSA is to pay for child and adult day care expenses (not healthcare expenses). You can contribute the IRS maximum of $10,500 if married, filing separate Please note that the healthcare and dependent care FSA is a use-it-or-lose-it program, meaning that if you do not spend your entire 2021 election, remaining funds will be forfeited.You can use funds for expenses from January through DecemberYou have until March 31st 2022 to reimburse yourself for expenses incurred through December 2021A debit card will be mailed by TASC.NEXT SLIDESLIDE 30The next benefit plans we will be discussing are your disability benefits offered by MetLife This is a voluntary benefit that will pay you weekly if you are unable to work due toNon-work related injury or illnessPregnancy and maternityYour premium is based on your annual base payThe plan has a waiting period for sicknessIf you enroll now there will 30 day waiting periodIf you decide not enrolled now, and you enroll for 2022, you will have a 60 day waiting period for a sicknessOnce you have continuous coverage for a year, then the waiting period will become a 30 day waiting period the following yearThere is no waiting period for injurySTD payments are weekly and will pay up to 66 ? percent of your pre disability earningsIf you’re paid any annual or sick time while on STD, your payment will be reduced But you will receive the minimum payment of $67.31 per weekA maximum duration is the number of weeks that are payableUp to 26 weeks for an injuryFor an illness it’s based on when you enrolled for STDUp to 22 weeks if you are in enrolled in 2020Or up to 18 weeks if you were not continuously enrolledYou can file a claim online by logging into the MetLife web portalNEXT SLIDESLIDE 31Long-term disability is a benefit that protects you from a loss of income if you will be out of work for a long period of time. The waiting period for LTD is 6 months.There are two LTD programs available for State of Arizona employees with no changes for 2021 The retirement system which you contribute to determines which plan you are enrolled inEmployees contributing to ASRS have Broadspire, andEmployees contributing to other non-ASRS retirement plans have MetLifeNEXT SLIDE SLIDE 32As a State of Arizona employee you have $15,000 in life coverage at no cost to youDuring your new employee open enrollment you can purchase supplemental coverage for yourselfYou can purchase up to 3 times your annual salary and not to exceed $500,000Please visit benefitoptions for the full listing of premiums. We have a resource called Benefit Scout to assist you in determining your needs for life insuranceBenefit Scout will ask you a series of questions and based on your responses it will suggest an amount of life coverage for you and your familyNEXT SLIDESLIDE 33If you wish to purchase life insurance for your dependents, now is the time to do so. One premium covers your whole family. A dependent is defined as your legal spouse, children under the age of 26, and disabled dependent children. You can purchase various amounts up to $50,000But you also need to have $50,000 in coveragePlease visit benefioptions for full listing of premiums. In the event of a claim, you as the employee would be the beneficiaryNEXT SLIDESLIDE 34We are now going to discuss our award winning Wellness BenefitsNEXT SLIDESLIDE 35As an employee, you have a variety of programs and resources to support your health and wellbeing.The components include our new HIP platform, Weight Management and the Diabetes Prevention Program, Health Screenings, Flu Shots and the Employee Assistance Program.Health Impact ProgramThe Health Impact program is an award-winning program to help you achieve your physical, financial, personal and professional well-being goals. You earn points for healthy activities, including preventive screenings, immunizations and classes/coachingThe goal is to log 50,000 points for an annual incentive payment of up to $200.All active, benefits-eligible employees should participate, whether or not you are enrolled in an ADOA medical plan.A new enhanced web portal and digital health components launched on April 1. 2021!To learn more, visit wellness.NEXT SLIDESLIDE 36The Virgin Pulse Engage platform offers and new design and strategy that includes: Lifestyle management and condition support health programsConnections with 141 wearable devices and appsPersonalized MessagingGamificationHealth AssessmentWeb portal and mobile app with health resources, tools, and trackingHealth challenges for individuals, groups or agenciesSpouses/adult dependents are eligible to participateNEXT SLIDESLIDE 37Highlights IncludePoints = Rewards: Earn 50,000 points per year in order to earn your rewards - Daily, Monthly, Quarterly, Yearly.Effortless Engagement: Earn points easily by logging in every day to complete daily cards with inspiring ideas and activities.Sync and Track: Connect a device to your account and watch your steps add up quickly.Team Challenges: Individuals, groups and agencies can set up challenges.NEXT SLIDESLIDE 38Health Screenings & Flu ShotsThe worksite mini‐health screening focuses on prevention and early detection of heart disease and diabetes and other conditions. Tests included in this screening are the full lipid panel, blood pressure, body composition, and blood glucose measures. Our vendor also offers optional screens such as Osteoporosis, Hemoglobin A1c, or a Prostate Specific Antigen (PSA) blood test. MOM - To fight cancer through early detection, mammograms are offered at work sites across Arizona. For convenience, employees’ results are sent directly to their physician and appointments only last 15 minutes. POP - Early detection is the best defense against prostate cancer. Wellness contracts with POP to provide convenient prostate cancer screenings at the worksite with a mobile medical unit. The doctor on board performs a PSA blood test, digital rectal exam (DRE), testicular exam, and a doctor consultation. There are no costs to you for the preventive onsite wellness services. Flu Vaccines - Offered September ‐ December of each year. Wellness provides free flu shots at many State worksites and public clinic locations for employees and their dependents. Locations and more information can be found on the Wellness website at wellness. > Flu Shots. NEXT SLIDESLIDE 39Weight & Diabetes Management Programs These programs are offered at work and/or online. Employees, spouses and dependents over 18 are eligible to participate.Now you have even more programs to choose from based on your needs, and to support your health goals. Some are no cost and low cost options to consider.You may earn HIP Points - 200 points upon completionNEXT SLIDESLIDE 40Program Website - New Members - join.hipNEXT SLIDESLIDE 41Show Governor Ducey Announcement & Overview VideoNEXT SLIDESLIDE 42EAP - The Employee Assistance Program EAP is here to help with providing care, information, and resources needed to handle life's challenges that are free, confidential, and available - 24/7. GuidanceResources from ComPsych helps you address personal challenges, support positive change and improve your well-being. 12 free, confidential counseling sessions per issue per year and is available to you, your spouse and dependents AND anyone in your household! (for long-term counseling, please see your medical plan or our telemedicine service)Resources & Info Parenting, Eldercare and Relationships- Family, friends and significant others all play a role in your everyday life and often serve as a form of support. Your lives are interconnected, as their actions affect you and your actions have an impact on them. Relationships require effort to establish and preserve, and it is not uncommon for problems and questions to arise. You can get help with the following topics: Parenting, Finding Eldercare Finding Child Care, Special Needs & Gifted Children, Divorce & Domestic Issues,, Expanding a Family, Marriage & RelationshipsLegal Advice/Wills - Get the advice you need on legal matters and free consultation and information via phone with in-house ComPsych attorneys. Includes Family law, Wills, Bankruptcy, Estate planning, Real estate, ID theft, and Legal Support. Local Attorney Referrals will provide you with a 30-minute in-person consultation and discounted legal fees.Financial Guidance - Get financial information from ComPsych? staff financial experts with unlimited access for topics such as Budgeting, Income tax, Credit, Real estate, Debt, Retirement planning and a free annual credit report.Your ComPsych? GuidanceResources? website provides information and support tools necessary for you and your family members to address stress and change, improve health, experience positive outcomes, and achieve personal health goals!You will always have someone to talk to and resources to consult whenever and wherever you need them. The toll-free number gives you direct, 24/7 access to a GuidanceConsultantSM, who will answer your questions and, if needed, refer you to a counselor or other resources. For online go to the Web ID is HN8876C, AND don't forget to download the App: GuidanceResources? Now Web ID: HN8876CNEXT SLIDESLIDE 43There are discounts available for State of Arizona EmployeesNEXT SLIDESLIDE 44If you have been wanting to further your education, we have partnered with local and national universities to offer tuition discounts. Some discounts are available for employees only while others will provide discounts to spouses and dependent children. More information can be found on our website.NEXT SLIDESLIDE 45PerksConnect is an online platform that offers discounts from local and national merchants. There is no cost to join, just visit their website to see how they can save you money on things such as travel, insurance for your home & auto and pets, and products from Zebit. Zebit allows you to purchase merchandise to have now, but with a payment plan made via your bank account over a period of time. See the PerksConnect website for more information.NEXT SLIDESLIDE 46We will now explain how you will enroll. Remember you have 31 days to enroll in your benefits. NEXT SLIDESLIDE 47To start the enrollment process, take time to learn more about your benefit options.Start by visiting our website where you will find the employee enrollment guide. There are videos available to give you more information about the different medical plan features and how to find a providerThere is an decision support tool, called ALEX, that is available to help you understand the differences between each medical plan optionWith the ALEX tool, you will answer a few simple questions about how you use your health planThe end results will provide a suggestion of which plan option may work best for you and your medical needsPlease note that using ALEX will not enroll you in your benefits, you must go to the Y.E.S. portal to make an election.A few other items to keep in mind while you are completing your enrollmentPlease review your demographic informationIf your mailing address, phone number, or email address are incorrect, please make sure to correct this informationThis information is used to communicate with you about your benefitsNEXT SLIDESLIDE 48To be eligible for benefits you must be:An active employee and regularly scheduled to work 20 hours or more per week. A seasonal, temporary, or variable hour employee who is paid for an average of at least 30 hours per week using a 12 month measurement period. Dependents are defined as:Your legal spouseYour children under 26 who are your natural, adopted, stepchild, foster, court ordered guardian or court order pending adoption, and disabled children age 26 and continues to be disabled. All dependents enrolled in the plan are required to have a social security number per federal lawDual coverage, or duplicate enrollment, is not permittedThis means that if you and your spouse are both state, university, or retirees enrolled in the plan, you cannot enroll each other as dependents on the planYour children also cannot be enrolled twice - once by you and also by your spouse - you should decide who will cover a child. As you may know, dependent children can be enrolled in their parent’s plan up to age 26. If you are a dependent child on your parent’s plan and also a state employee, you can only be enrolled in once - you will either need to be the subscriber to your own plan or be a dependent on your parent’s plan.NEXT SLIDESLIDE 49When you enroll, your choices are for the remainder of the year. However, there are circumstances where you are allowed to change your enrollment. It’s called a Qualified Life Event.Full chart on website with full explanation of each QLE and supporting documents acceptedBe sure to contact benefits liaison or member services with questions on how to submit QLE changesKeep your beneficiaries in mind - can be impacted by QLE - ex spouse on life insurance is one example.NEXT SLIDESLIDE 50Ending commentsNEXT SLIDESLIDE 51You may contact us directly any time via a phone call or email. Also listed are vendor contact information that can also be found on the New Enrollee portal at benefitoptions. ................
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