1. Starmark® Group Installation

2. Starmark® and Trustmark
A Trustmark company founded in 1985
Provides healthcare benefits administration for small to mid-size businesses
Stop-loss insurance is provided by Trustmark Life Insurance Company
Trustmark Companies
Providing employee benefits for more than 100 years
More than 2 million covered lives or plan participants
Trustmark Life Insurance Company is rated A- (Excellent) by A.M. Best

3. PPO Plan Design Overview
Preferred provider organization plan
Network of doctors, hospitals and healthcare providers
Discounted services when using in-network providers
Out-of-network providers usually charge a higher amount for the same services
Plus, pair a higher-deductible health plan with the Starmark® HRA (health reimbursement arrangement) for lower health plan costs and cash-flow control

4. CDHP Design Overview Consumer-directed health plan
Network of doctors, hospitals and healthcare providers
Discounted services when using in-network providers
Out-of-network providers usually charge a higher amount for the same services
Health savings account (HSA) or health reimbursement arrangement (HRA) used to offset the deductible

5. Plan Design Overview [insert self-funded plan design name]
[Network]
Individual Deductible
[insert amount]
Coinsurance
Individual Out-of-Pocket Limit
Office Visit Copay
Urgent Care Copay
Emergency Room Copay
X-Ray and Lab
Prescription Drug Benefit
For costs and further details, including exclusions and limitations, contact your Starmark® representative.

6. Network Provider Lookup
Visit
Go to Network Availability > select your state
Choose the network listed on your benefits schedule to access their website
Follow the instructions to determine if a provider is in the network

7. Outpatient Prescription Drug Benefit Prescription Drug Card
Covered prescriptions are subject to the prescription deductible, coinsurance and copays selected, when the prescription is filled at a participating pharmacy.
Administered by CVS/caremarkTM
Two convenient ways to fill prescriptions
Local pharmacy
Mail service pharmacy
Prescription safeguards
Specialty Guideline Management

8. Outpatient Prescription Drug Benefit Price Assurance Program
Covered prescriptions are subject to the in-network plan deductible and coinsurance when the prescription is filled at a participating pharmacy.
Administered by CVS/caremarkTM
Two convenient ways to fill prescriptions
Local pharmacy
Mail service pharmacy
Prescription safeguards
Specialty Guideline Management

9. Access to tools and resources
Caremark.com
Access to tools and resources
Order refills
Check pharmacy benefit coverage
Check drug costs
View prescription history
Find a participating local pharmacy
Find health information
Members can:
Log in from the Starmark® website to access the single sign-on link to caremark.com for personalized plan information.
Communicate with CVS/caremarkTM based on personal preferences: phone, or text.
Download the CVS/caremark mobile app

10. Healthy Foundations®
Healthy Foundations is a suite of resources to help members get and stay healthy:
YourCare*: Health and wellness outreach program
MyNurse 24/7℠: Access to a registered nurse 24 hours a day, seven days a week
MaternaLink®: Maternity wellness program
HealthCenter**: Online health risk assessment, personal health records and more
Wellness Education E-Newsletter: Provides wellness information, such as diet and nutrition tips, health and exercise articles, home safety tips and more
* Available if selected by the employer.
** Members can access the HealthCenter via the Starmark® website.

11. CareChampion 24/7® Navigate the healthcare system
Educate about healthcare options
Support and advisory services
CareChampion 24/7 is available if selected by the employer.

12. Key Features of the Starmark® Website For Members
The Starmark website provides:
My StarmarkSM
Cost-savings tips and educational information tailored to their health benefit plan
Benefits and Claims information
An online summary of benefits
Current- and prior-year claims
View or print their Starmark ID Card*
The Document Center
Important healthcare benefit documents online
A comprehensive suite of health and wellness management services
* ID cards are available approximately 48 business hours after the group has enrolled.

13. How to Register on the Starmark® Website For Members
Members can register following the instructions provided on the website registration flyer available on the login screen at
GO GREEN!
Members can opt-in to the Starmark Document Center to access their important healthcare benefit plan documents online.

14. Document Center For Members
The Document Center* provides members with around-the-clock access to their health benefit plan documents, including their:
Plan Document, which provides the details of their plan
Summary of Benefits and Coverage (SBC), which provides an overview of their plan
*Available only to members with a Starmark HealthyEdge℠ or Starmark Healthy Incentives® plan design.

15. Accessing Benefits and Claims For Members
From the Benefits and Claims page on the Starmark® website, members can:
Conveniently review an online summary of their benefits
Obtain their current- and prior-year claims
Access resources, including:
Their Starmark ID card
Informative materials to assist with understanding their ID card and explanation of benefits (EOBs)
Their CVS/caremarkTM account via single sign-on
Educational materials to help them learn about their pharmacy benefits

16. Claims Lookup For Members
From the Claims Lookup section, members can access current- and prior-year claims, detailed by:
Deductible Satisfied
Out-of-Pocket Satisfied
To view the status of a claim and an online Explanation of Benefits, users should click on the participant’s name.

17. How to File a Medical Claim
Provider Claim Filing
In-network providers will file claims electronically. Be sure the provider submits claims to the address on the Starmark ID card to avoid delays in claim processing.
Member Claim Filing
When needed, members can submit a paper claim by following the steps outlined in the flyer, “Filing a Medical Claim,” available on the Starmark website.

18. Key Features of the Starmark® Website For Employers
provides easy, online access to key information about your self-funded health plan and administration, including:
Manage My Group
A summary of your benefits
The Document Center
Online Bill Payment
A personalized Administration Kit
Healthcare Reform information
Pharmacy Services

19. How to Register on the Starmark® Website For Employers
New users: Go to select “Employer” from the drop-down menu and complete the online registration process.
When registering, you’ll need to:
Enter your Group Number, month of original effective date and ZIP code
Read and accept the Terms And Conditions
Complete the registration form
Provide answers to three security questions
Click the link provided in the you will receive

20. Manage My Group
Log in to the Starmark website > Administration > Manage My Group to securely administer your health benefit plan:
Add coverage for an employee’s newborn dependent
Waive coverage for an employee or dependent
Order replacement ID Cards
Enroll a new employee
Update your business or mailing address
Update an employee’s or mailing address
Remove coverage for a terminated employee
Add or update Social Security numbers for employee dependents

21. Document Center For Employers
The Document Center provides around-the-clock access to your group’s important health benefit plan documents, including your:
Plan Document
Stop-Loss Insurance Contract
Administrative Services Agreement
Application for Stop-Loss Insurance Coverage
Monthly Billing Statement
Monthly Aggregate Claim Liability Summaries

22. Bill Payment Employers
Two ways to pay your monthly bill:
Starmark’s secure online bill
payment system.
Log in at > Administration > Online Bill Payment
Fill out the online form
Make your payment
2. Electronic Funds Transfer (EFT)
Complete the EFT form to authorize the automatic withdrawal of monthly payments.

23. Thank You for Choosing Starmark®
For more information,
contact your Starmark representative, or visit
Plan design availability and/or coverage may vary by state. Plans are administered by Starmark, and stop-loss insurance and ancillary coverage are provided by Trustmark Life Insurance Company.
Starmark • 400 Field Drive • Lake Forest, Illinois •
T er (3-16)