1. 6
Things To Remember For Open Enrollment
2018

2. What is Open Enrollment?1
What is Open Enrollment?
Time to review coverage options and make changes that are best for you, such as:
Change medical plans
Enroll in a new plan
Add a dependent to your plan
Drop a dependent from your plan
Re-enroll in the FSA

3. What dates do I need to remember?2
What dates do I need to remember?
10/2/17 – 10/20/17
October 2nd through October 20th
Open Enrollment Period
10/20/17
October 20, 2017
Deadline for making changes
1/1/18
January 1, 2018
Your benefit changes take effect
Don’t forget! Add these date reminders to your calendar.

4. 2017 2018 If you miss the deadline this year,
you will have to wait until OUR open enrollment for the 2019 plan year to make changes — unless you have a qualifying life event.

5. 3
What plans do we offer?

6. All health plans include free in-network preventive care
Medical Plan Overview
EPO Plans
Anthem Blue Cross Core and Buy-Up
Features of an EPO:
Low or No deductible
Low office visit copays
Gives you access to the EPO network of health care providers
Does not require you to select a PCP
Allows you access to many types of services without receiving a referral
All services must be in network
Access to LiveHealth Online and other programs to help you maintain your health
All health plans include free in-network preventive care
Exclusive network of providers
Does not require a PCP or referrals
Lower premiums
EPO
Don’t Forget! Deductibles and copays can be reimbursed via the City’s Flexible Spending Account through BCC

7. Medical Plans Overview
Anthem Core
Anthem Buy-Up
Calendar year deductible
Individual
Family
$100 (per individual)
$300 (per family)
None None
Your maximum expense
$1,600 (per individual)
$3,300 (per family)
$1,000 (per individual) $2,000 (per family)
Preventive care
Plan pays 100%
Office visits
$20 copay
$10 copay
Inpatient Hospitalization
$100/Day (up to 3 days)
No Charge
Outpatient Surgery
$100/ Admit
Prescription drugs (Retail/Mail Order)
Generic
Preferred brand
Supply limit
$7 copay/$14 copay
$25 copay/$60 copay 30 days/90 days
$10 copay/$20 copay
$20 copay/$50 copay 30 days/90 days
Benefits are In-Network Only

8. Dental Plans Overview Coverage Provided by Delta Dental The Perks
Two options to choose from:
Delta Dental of CA PPO Core Plan
Delta Dental of CA PPO Buy-Up Plan
Delta Dental PPO allows the flexibility to choose from an in-network or out-of-network provider
Covers a percentage of basic and major expenses
Greater discounts are applied when using a contracted in-network Delta Dental provider
The Perks
Pre-Treatment Estimate
- Determine your cost ahead of time to make informed decisions.
Delta Dental Customer Service
- Searching for Delta Dental provider is easy and convenient
- Log in to deltadentalins.com for a complete list of providers in your area
- Call (800) to speak with a Member Services representative
Monday through Friday from 5:00 am to 5:00 pm (PST)

9. Save money by using in-network providers.
Dental Plans Overview
Coverage provided by Delta Dental
Delta Dental PPO Core
PPO
Premier
Non-PPO
Diagnostic and Preventive
100%
Basic
Crowns & Cast Restorations
Prosthodontics
Adult & Child Orthodontics
Deductible
Calendar Year Max
N/A
$25/$75
Exempt from Deductible
Yes
Maximums
Per Patient Calendar Year
$1,000
Orthodontics Lifetime Maximum
Delta Dental PPO Buy-Up
PPO
Premier
Non-PPO
100%
N/A
$25/$75
Yes
$1,500
Save money by using in-network providers.

10. Vision Service Plan (VSP)
You’ll love being a VSP member
The Perks
WellVision Exam®
- the most thorough eye exam designed to detect eye and health conditions
Exclusive Member Extras
- Special savings and offers, like rebates
- $20 to spend on featured frame brands like bebe®, ck Calvin Klein, Lacoste
Michael Kors, Nine West, Cole Haan and more
Eyeconic®
- Easy to use online optical store to shop for the latest designer eyewear
- Shop online at VSP’s Eyeconic.com
VSP Customer Service
- Searching for VSP provider is easy and convenient
- Log in to VSP.com for a complete list of VSP providers in your area
- Call (800) to speak with a VSP Member Services representative
Monday through Friday from 5:00 am to 8:00 pm (PST)
Saturday from 7:00 am to 8:00 pm (PST)
Sunday from 7:00 am to 7:00 pm (PST)

11. Save money by using in-network providers.
Vision Plan Overview
Coverage provided by Vision Service Plan (VSP)
VSP Core Plan
Copay
Plan Pays up to:
Exam & Prescription Glasses
$25
$45
Contact Lenses
15% off
$105
Lenses
$30-$50
Frames
$120 allowance
$70
Frequency of Services
Eye Exam
12 Months
24 Months
VSP Buy-Up Plan
Copay
Plan Pays up to:
$25
$45
15% off
$105
Included
$30-$50
$120 allowance
$70
12 Months
Save money by using in-network providers.

12. Flexible Spending Accounts
Healthcare Spending Account
Dependent Care Spending Account
Set aside up to $2,500 before taxes for qualified healthcare expenses
Expenses must be incurred between 01/01/18 and 12/31/18 and submitted for reimbursement no later than 03/31/19
Access entire amount on 1st day of plan year
Use Debit Card for eligible expenses
Set aside up to $5,000 per calendar year before taxes for dependent care expenses
Access money only once it’s deducted from your paycheck
Eligible expenses include daycare/in-home care for children under 13 years and incapacitated tax-dependent adults !
Note: Flexible Spending Accounts are funded 100% by the employee. City of Merced does not contribute to these accounts.
Claims due by March 31st, Use it or lose it!

13. Group Term Life Insurance
Coverage provided by Voya
Basic Life
1 x covered annual earnings up to a maximum of $50,000
Call Voya at (800) for more information
Beneficiary Reminder: Make sure that you have named a beneficiary for your life insurance benefits! You may change your beneficiary at any time.

14. Voluntary Life Insurance
Coverage provided by Voya
Voluntary Life
Employee
Buy-Up Life Amount
5 x covered annual earnings up to a maximum of $100,000
Election Options
$10,000; $20,000; $40,000; $50,000; $60,000; $80,000;$100,000
Guarantee Issue Amount
$100,000
Employees over Age 70
Maximum benefit is $50,000
Spouse
Up to $50,000
$5,000; $10,000; $20,000; $30,000; $40,000; $50,000
$50,000
Children
Birth to 14 Days $0
14 Days to 6 Months
$250 (14 Days to 6 Months)
6 Months to 19 Years (to 25 yrs. if FT Student)
$10,000
Beneficiary Reminder: Make sure that you have named a beneficiary for your life insurance benefits! You may change your beneficiary at any time.

15. Income protection Disability (White Collar Employees)
Coverage provided by Voya
Disability (White Collar Employees)
Short Term Disability
Core Benefit
Buy-Up Option
Weekly Benefit Amount
Plan pays 60% of covered monthly earnings
Plan pays 66.67% of covered monthly earnings
Maximum Weekly Benefit
$600/week
$1,650/week
Benefits Waiting Period:
30 Days of Disability
Maximum Payment Period
22 Weeks
Long Term Disability
Monthly Benefit Amount
Maximum Monthly Benefit
$2,500/month
$7,000/month
180 Days of Disability
To age 65 or SSNRA
Beneficiary Reminder: Make sure that you have named a beneficiary for your life insurance benefits! You may change your beneficiary at any time.

16. Income protection Disability (All other Active Employees)
Coverage provided by Voya
Disability (All other Active Employees)
Short Term Disability
Core Benefit
Buy-Up Option
Weekly Benefit Amount
Plan pays 60% of covered monthly earnings
Plan pays 66.67% of covered monthly earnings
Maximum Weekly Benefit
$600/week
$1,650/week
Benefits Waiting Period:
60 Days of Disability
Maximum Payment Period
18 Weeks
Long Term Disability
Monthly Benefit Amount
Maximum Monthly Benefit
$2,500/month
$7,000/month
180 Days of Disability
To age 65 or SSNRA
Beneficiary Reminder: Make sure that you have named a beneficiary for your life insurance benefits! You may change your beneficiary at any time.

17. What will the plans cost this year?4
What will the plans cost this year?

18. 2018 Dental, Vision, Disability & Life Allowances
2018 Costs
2018 Biweekly Premiums
MEDICAL
DENTAL
VISION
LIFE**
STD/LTD**
Core
Buy-Up
EE Only
$254.08
$274.38
$20.35
$26.08
$4.90
$8.82
$2.48
$8.76
EE+1
$520.38
$560.54
$35.35
$45.32
EE+2
$765.00
$824.54
$57.37
$73.52
2018 Medical Allowances
AFSCME
MACE FD
MPOA
SGTS
MC/MS
MM/MX
EE Only
$229.50
$230.84
$217.79
$228.16
EE +1
$470.07
$472.71
$445.69
$467.10
EE +2
$690.93
$694.89
$655.22
$686.60
2018 Dental, Vision, Disability & Life Allowances
$33.73
$33.28
$32.37
$47.50
$46.75
$46.02
$67.71
$66.54
$66.08

19. 5 What do I need to do? 1 2 3 4 5 Log on to BenXcel (BCC)
Get familiar with the City’s self-service tool
Review your current plan choices
Decide if you need to make a change this year
Review your dependent information
If adding a dependent, provide a birth or marriage certificate
Make sure your dependent information is correct
Confirm date of birth and social security numbers
Attend one of the Q&A sessions
Refer to our communications for more details 2 3 4 5

20. Where can I find out more?6
Where can I find out more?

21. Need more info? Ready to Submit 2018 Changes?
Click Here to view your:
Employee Benefits Overview
Plan documents
Ready to Submit 2018 Changes?
Website:

22. Don’t forget! The last day to make changes is October 20, 2017