Open Enrollment Overview and Summary



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2009 Benefits Open Enrollment Overview for the Employees of IPG

IPG Services Corp Cafeteria Benefit Plan will be effective 7/1/09 through 6/30/10. To assure that your benefits do continue beyond June 30, 2009, you must complete an Election Form and return it to IPG Services or fax to IPG by May 26, 2009. If you choose not to enroll in any benefits, the election form still needs to be signed and returned with the opt-out box checked. Deductions for the new benefit year will be reflected in your pay on June 4th, 2009. Please refer to your Benefit Booklet throughout the year for complete details, telephone numbers, websites and benefit designs

We recognize that our employees are our most valuable asset. In turn, we continue to place a high importance on providing good benefits as part of the overall compensation package.

With the costs of health care continuing to rise, we want to assure you that we consistently do all that we can to keep your contributions low while maintaining the benefits at the highest level possible. This year is no exception. We received another significant increase from Blue Cross/Blue Shield this year. However, in order to manage the overall cost of benefits, we needed to make some changes in plan design as well as some increases in employee contributions. This memo highlights the changes for your 2009 open enrollment.

2009 SUMMARY OF EMPLOYEE BENEFITS CHANGES

MEDICAL

• Blue Care Network – Low Option – Must choose a Primary Care Physician

o 2009 Changes:

▪ Deductible will increase from $1,000/$2,000 to $1,500/$3,000

▪ Co-insurance will increase from 20% to 30% with the same maximum of $1,500/$3,000

▪ Urgent Care co-pay will increase from $35 to $50

▪ ER co-pay will increase from $100 to $150

• Blue Care Network – High Option – Must choose a Primary Care Physician

o 2009 Changes:

▪ Office visit co-pay will increase from $20 to $30

▪ Urgent Care will increase from $30 to $35

▪ Emergency room co-pay will increase from $75 to $150

▪ Rx will change from a $15 Generic/$25 Formulary Brand co-pay to $10 Generic/$40 Formulary Brand

• Blue Cross/Blue Shield Flexible Blue – Community Blue #3 – Freedom to see any PPO Provider

o 2009 Changes

▪ Office Visit co-pay will increase from $30 to $40 – Including Chiro

▪ Urgent Care visits will increase from $30 to $40

▪ Emergency room co-pay will increase from $50 to $150

Enter your weekly cost in boxes provided. If you have more than one child who is 19, you must double the FC cost on your medical benefits.

MEDICAL (cont.)

If you are switching between the Low Option and the High Option HMO, you will only need to elect this on your election form, but if you are switching to the PPO, you will need to fill out a Blue Cross/Blue Shield of Michigan/Blue Care Network Form enrollment form.

LIFE INSURANCE

Same Carrier Lincoln Financial – Box 1 on your Election Form

• All Full Time Employees have a core Term life insurance policy of $10,000 at no cost to you, paid by IPG Services Corp

• Please list your beneficiaries – If you need more space, attach a sheet to the election form

VOLUNTARY TERM LIFE INSURANCE

Lincoln Financial – Box 1 on your Election Form

• If this is your initial offering for optional life insurance (a new hire) with Lincoln Financial Group you can purchase up to the Guarantee issue of $200,000. If you choose not to enroll in the voluntary life at this time, you will be required to provide evidence of insurability, proof of good health, for coverage at a later date (i.e. next annual enrollment). 

• You can buy-up in one-level increments every year to the maximum guarantee issue level without evidence of insurability.  Late enrollees will be responsible for any costs associated with medical evidence of insurability. If you choose to buy up more than one level or didn’t elect voluntary life when you first became eligible you will need to fill out the evidence of insurability form (see HR Department), once approved the additional deductions will be taken from your paycheck.

• Please list your beneficiaries. If you need more space, attach a sheet to the election form.

LARGE AMOUNT OF ACCIDENTAL DEATH & DISMEMBERMENT

Lincoln Financial Group – Life Insurance FOR ACCIDENTS ONLY - Box 2 on your Election Form

• This benefit pays out only if your death (or spouse/child) occurs from an accident. This will pay in addition to your Life Insurance. No proof of good health for this benefit. You can purchase AD&D on just yourself or for your entire family. Dependent children age 14 days to 19 years (23 if a full-time student and to age 70 for a spouse)

SHORT TERM DISABILITY

Same Carrier – Guardian Life Insurance -Voluntary Benefit – Box 3 on your Election Form

• Your benefit is 60% of your weekly earnings to $500. This benefit would start on the 8th day for an accident, 8th day for an illness and benefit maximum is 26 weeks. If you choose not to enroll at this time, you will be required to provide evidence of insurability for coverage if not previously enrolled. (See HR Department). Late enrollees will be responsible for any costs associated with medical evidence of insurability. You will need to calculate your weekly amount. See your election form for details.

DENTAL

Same Carrier – Guardian Life Network –Box 4 on your Election Form

• Again this year we are offering you two plans, a PPO with Guardian and with First Commonwealth a DHMO. NO Changes to plan design.

• If you choose the PPO, you will have benefits in and out of network with Guardian. The level of coverage is the same for both in and out of network with a deductible on the out of network services of $25 for a single and $75 per family. 100% Coverage for Preventive Services, 75% for Basic Services and 50% for Major Services, with a maximum annual benefit of $1,000. To incur less cost to you, choose a participating Guardian Dentist. To find a participating dentist, go to . They also have a great feature, which will roll over partial unused benefit dollars for in and out of network. See your booklet for details.

DENTAL (cont.)

• Your second choice is the low cost Dental DHMO through First Commonwealth. Benefits are paid only in-network. See booklet and directory for complete details and listing of in-network dentists and facilities. No annual maximums! Discount on orthodontics with First Commonwealth dentist

VISION

Guardian VSP Network - Box 6 on your Election Form

• No Changes to the plan design. See page 7 of your benefit booklet for fee schedule and complete details.

NEW – **Employee Assistance Program (EAP) Guardian Worklife Matters**

• Please see your benefit booklet for details regarding this confidential employee assistance program that can offer you support on every day issues.

FLEXIBLE SPENDING ACCOUNTS

Guardian Life Insurance

This benefit allows you to pay for your out-of-pocket medical, dental and vision expenses and dependent care expenses with pre-tax dollars, which lowers your tax liability. You can save approximately 20% to 28% on your dollar by putting this money aside pre-tax and then reimbursing yourself from this fund. This benefit is administered through Guardian. Please see your booklet for complete details.

• If you have not taken advantage of this benefit in the past, IPG strongly suggests that you consult your tax person and talk about the advantages of this program. These savings may help you off set some of the cafeteria plan co-pays.

• Extended Grace Period – We have adopted an extended grace period, which means you can incur expenses through September 15th and then you will have until October 15th to turn them into Guardian Life Insurance.

DEPENDENT LIFE INSURANCE

Lincoln Financial Group - Same Carrier

• This benefit allows you to purchase additional insurance on your spouse and children. There are four options to choose from this year. You can buy up to the guaranteed issue of $15,000/$6,000 without any proof of good health. If this is not your initial offering and you want to purchase over the guaranteed issue, you will need to provide evidence of insurability on your spouse for the fourth level.

NOTE: After the Open Enrollment Period, you cannot make changes to your coverage during the year unless you experience a change in family status, such as:

← Loss or gain of coverage through your spouse

← Loss of eligibility of a covered dependent

← Death of your covered spouse or child

← Birth or adoption of a child

← Marriage, divorce, or legal separation

← Switch from part-time to full-time

You have 30 days from a change in family status to make changes to your current coverage. If you don’t notify IPG Services, you run the risk of claims being denied. You will have the opportunity at the next open enrollment to make changes.

Sincerely,

IPG Services Corp

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