1. Employee Benefits Open Enrollment
May 7-31, 2018

2. What’s New for ?
Active enrollment for all Full Time employees
New Teladoc services
Increase in Employee Assistance Program (EAP) services
Gym Reimbursement pilot program
New vendors for Voluntary Life Insurance and EAP
Rate changes to health insurance options
Rate changes to ASRS (Arizona State Retirement System) & HSA (Health Savings Account)

3. Active enrollment
Do I have to participate? Yes, to keep or change insurance, you must log in and enroll.
Select beneficiaries for your life insurance. YC gives you 2x your annual salary up to age 65. You can elect and pay for more if you wish.
If you are covering a dependent for the first time, provide HR with a copy of the appropriate vital records (marriage/birth certificate).
Some benefits like FSA MUST be renewed each year
Enrollment deadline is May 31, 2018.

4. Changes You Can Make During Open Enrollment
Medical, Dental, Vision
Change from one plan to another
Change coverage type (e.g. family coverage to single coverage)
Cancel coverage for spouse and/or family from any plan
Add or drop qualified dependents
Flexible Spending Account (FSA)
Must re-enroll each plan year, per IRS
Life Insurance
Beneficiary Information (This can be changed any time)

5. Terms To Know
Copay:
A fixed dollar amount you pay to the provider (doctor, lab, etc.) each time you receive a covered healthcare service.
You pay this flat fee directly to the service provider at the time of your appointment.
The provider then bills the Plan for the remainder of the service price.

6. Terms To Know Deductible:
The deductible is a set amount that you are responsible to pay toward your medical care before the Plan contributes. (First Dollar)
In some cases, certain services are excluded from the deductible requirement.
For example, copay for office visit under the Basic and Premier plans even if the deductible has not yet been satisfied.

7. Terms To Know Deductible: Individual Deductible: Family Deductible:
The amount one covered person must pay before the Plan begins to pay benefits for that person.
Family Deductible:
The amount that all covered family members must pay before the Plan begins to pay benefits for the family members.

8. Terms To Know Coinsurance:
After you have satisfied your deductible, you are responsible to pay a percentage of your medical expenses.
The percentage amount can vary depending on the type of service received, and whether you use an in or out of network provider.
The Plan begins to pay for the remainder due for your covered health expenses.
For example:
the Premier Plan pays 80% in-network, then you pay 20%;
the Basic Plus Plan pays 60% in-network, then you pay 40%

9. Terms To Know Out-of-Pocket Maximum:
The maximum or total amount that you have to pay for your health needs during the plan year (July 1-June 30).
The Plan pays 100% of any healthcare expenses you incur for covered services beyond this limit, for the rest of the plan year. Except when copays apply.

10. Terms To Know Preferred Provider (In-Network):
A health care provider who has agreed to charge lower, pre- negotiated discounted fees for eligible covered services
The list of Providers includes doctors, hospitals, labs, urgent care facilities, etc.
YCT’s network is Blue Cross Blue Shield of Arizona Preferred Provider Organization (BCBSAZ PPO)
Out-of-network providers are still covered, but usually at a higher cost to the member, and may require Pre-certification.

11. Benefit Options YCT offers different benefit options for your needs:
Medical
Flexible Spending Accounts
Premier Plan
Basic Plus Plan
Health Care
High Deductible Health Plan
Dependent Care
Dental
Life Insurance
Comprehensive
Basic
Preventative
Voluntary
Vision
Short Term Disability

12. Medical Plan Options Basic Plus Plan:
In Network Annual Deductible = $600 Single / $1,200 Family
You must pay this amount out of your pocket, for covered medical expenses until the limit is reached per plan year
In Network Coinsurance = 60% / 40%
After the deductible is met you pay 40% of the bill toward covered medical expenses
The Plan will pay the other 60% towards covered medical expenses
Annual Maximum Out of Pocket Limit = $6,000 Single / $12,000 Family
After you have met the limit, the Plan pays all costs for covered medical expenses for the rest of the plan benefit year with the exception on copays.

13. Health Insurance- What’s new
Basic Plus Plan-
Family plan premiums increase from $125 to $150 per month
All Out-of-Network benefits are new for
Deductible: $1,200/individual; $2,400/family
Coinsurance: 50%/50%;
Out-of-Pocket Limit: None

14. Medical Plan Options Premier Plan:
In Network Annual Deductible = $350 Single/ $700 Family
You must pay this amount out of your pocket toward eligible medical expenses
In Network Coinsurance = 80% / 20%
After the deductible is met you only pay 20% of the bill for covered expenses
The Plan will pay the other 80% toward covered medical expenses
In Network Annual Maximum Out of Pocket Limit = $3,000 Single / $6,000 Family (coinsurance only)
After you have met the limit, the Plan pays all costs for covered medical expenses for the rest of the benefit plan year with the exception of copays.

15. Health Insurance- What’s new
Premier Plan-
Employee Only premiums increase from $0 to $25 per month
Family premiums decrease from $604 to $579 per month
Deductible increase from $300 to $350/employee only, and from $600 to $700/family

16. Medical Plan Options High Deductible Health Plan: (HSA Eligible)
In Network Annual Deductible = $2,500 Single / $5,000 Family
You must pay this amount out of your pocket, for medical and prescription covered expenses until the limit is reached
If you have family coverage, the total $5,000 Family Deductible must be reached.
There is no in-network coinsurance under this Plan
In Network Annual Maximum Out of Pocket Limit = same as deductible amounts
After you have met the limit, the Plan pays all costs for covered medical and prescription expenses for the rest of the plan year

17. Medical Plan Options Health Savings Account (HSA)
If you elect the HDHP Plan, you may also enroll into a HSA
Health Savings Account (HSA) Benefits:
Allows you to save pre-tax money in a savings account, which can lower your tax liabilities for the current tax year
No “use-it-or-lose-it rule’. Any money in the HSA rolls over to future plan years, continuing to grow tax free
You can use the HSA money to pay for qualified, eligible health care expenses, for you and your dependents, including deductibles, copays and coinsurance, with no taxes or tax penalties
Your employer may also contribute funds into your H.S.A.

18. Medical Plan Options Health Savings Account (HSA)
Maximum limit for Calendar year 2018
Single Coverage = $3,450
Family Coverage = $6,900
You will receive an H.S.A. Debit card
Total H.S.A. contribution must include all monies contributed to the H.S.A. pre-tax or post tax, including employer contributions.

19. Health Insurance- What’s new
High Deductible Health Plan (HDHP)
Family premiums increase from $342 to $353 per month
YC Contribution to HSA increase from $132 to $135 per month for employee only
Only complete a new payroll deduction form if you are changing your HSA contribution amount This is not required during open enrollment You can change your HSA amount any time.
To change your HSA amount, Click Here

20. New Teladoc Services Effective July 1, 2018
Licensed physicians evaluate, treat and prescribe medication if necessary
Services available 24/7, 365 days per year
Visit from the comfort of your home or office- via phone or video
No appointment, Dr. typically calls back within 1 hour
Includes pediatric care (any age) and dermatology
Most commonly used for minor illnesses and infections
Not for emergency care

21. New Teladoc Services Effective July 1, 2018
Available ONLY to employees and dependents who are covered on a YC health insurance plan.
Cost is FREE for members in Basic Plus and Premier Health Plans and $45 per visit for members in the High Deductible Health Plan.
Registration is required prior to first consultation. The registration link will not be available until 7/1/2018. For instructions Click Here and register at
*Please note the instruction material states the fee is $45 per visit, this only applies to those on the High Deductible Health Plan (HDHP).

22. Dental Plan Options YCT offers 2 Dental Plans you may choose from:
Comprehensive
Preventative
There are two coverage levels you may elect:
Employee Only; or
Employee + Family

23. Dental Plan Options Dental Plan Benefits Highlights and Comparisons
Benefit Description
Comprehensive
Plan
Preventative
Annual Deductible
(July 1 – June 30)
$50 per person;
$150 per family $0
Annual Maximum
$1,500
$250
Preventative Services
(subject to annual deductible maximum)
100% no deductible
Basic Services
(including fillings, extractions, oral surgery)
80%
Not covered
Major Services
(including onlays, crowns, dentures)
50%
Orthodontic Services
(for children up to age 18 who have participated in the dental plan for 24 consecutive months)
Lifetime Orthodontic Maximum
(not subject to annual dental maximum)
Not applicable

24. Vision Plan Options YCT offers 1 Vision Plan
There are two coverage levels you may elect:
Employee Only; or
Employee + Family

25. Vision Plan Options
Vision coverage can be elected if you waive medical and/or dental coverage.
Any optometrist, ophthalmologist or optician may be seen
Each person enrolled can be reimbursed up to $300 per plan year benefit for any eligible expenses that may include:
Exams
Lenses
Frames
Prescription sunglasses, and
Contact lenses
See the Plan Document for the listed excluded benefits

26. Increase in EAP (Employee Assistance Program) Services
New vendor is DeerOaks
Free counseling for a variety of day to day concerns (family, finances, legal matters, mental health, etc.)
Increase in FREE sessions from 3 to 12
12 sessions are per issue, per calendar year, including initial appointment
Services available 24/7
Includes crisis counseling/suicide hotline
Click here to see the EAP Fact Sheet

27. Gym Reimbursement pilot program
YCT is piloting a gym reimbursement program
The 6 month trial will reimburse up to $25 per family per month for pre-paid gym/fitness membership fees
Program runs from July-December 2018
For more information go to or contact Paula Tomitz at

28. Other Insurance Options
Additional Insurance
Short Term Disability Insurance
Provided automatically to eligible employees
Benefit varies depending on your Employer
Life Insurance:
Basic Life Insurance
Automatically provided to all eligible employees
Paid for by the employer
Dependents also may be eligible for Dependent Basic Life Insurance
Voluntary Life Insurance
Optional additional coverage to supplement Basic Life Insurance
Purchased by the employee
For more Information, contact your HR Department

29. Voluntary Life Insurance
Securian is offering additional, term life insurance for employee, spouse and children.
This coverage is employee paid.
You may elect increments of $10,000 up to $500,000
Special option this Open Enrollment only-
Add up to $50,000 for yourself without needing to submit evidence of insurability (proof of good health) not to exceed $250,000 of coverage
For spouse, elect up to 100% of your total basic and voluntary coverage combined, to a maximum of $250,000
For children, you may elect up to $20,000

30. Voluntary Life Insurance
What action do I need to take?
Option 1: If currently enrolled in Voluntary Life with the Standard you will have to re-enroll (for yourself, spouse and children if applicable).
Option 2: If you are not currently enrolled, now is your chance.
Option 3: Take no action, you are still covered under the employee Basic Life Insurance paid for by YC (This coverage does not apply to spouse or children)
If you elect Voluntary Life, beneficiaries must be designated.
You will need their date of birth and SSN

31. Voluntary Life Insurance- Example
Joe is 30 years old
Joe wants an extra $50,000 of coverage in addition to the Basic Life Ins. which is 2x his annual income
The cost per $1,000 of coverage is $0.08 (based on age)
$.08 x 50 = $4
Joe’s monthly cost is $4
To find your cost, view the Life Insurance Enrollment Packet Click Here
To estimate how much life insurance you may need Click Here
To enroll, complete the Enrollment Worksheet Click Here
Evidence of Insurability Form Click Here

32. Voluntary Life Insurance- Monthly Rates

33. Other rate changes
Arizona State Retirement (ASRS) – Increase from 11.34% to 11.67%
Health Savings Account (HSA) Contribution Limits-
Individual Coverage $3,450 (2018)
Family Coverage $6,900 (2018)
(2019 limits have yet to be released by the IRS)
HSA is only available when enrolled in the High Deductible Health Plan
Neither the employee nor any COVERED dependent can be enrolled in any other medical coverage while contributing to the HSA.  This includes any contributions from the Employer.
Health Savings Accounts are managed by Health Equity.

34. Annual Renewals – Flexible Spending (FSA)
Flexible Spending Accounts- MUST be renewed each Open Enrollment. Click Here
Pre-Tax Savings Account
Use it or lose it from July 1, June 30, 2019
FSA Contribution Limits-
Medical Account – $2,500
Dependent Care Account – $5,000 or $2,500 if married & filing separate tax returns
You can spend FSA funds…
Deductibles and copayments, prescriptions and over-the-counter medicines, dental expenses and authorized equipment and supplies.
For a list of qualified medical expenses:

35. Flexible Spending Accounts
Flexible Spending Account (FSA) Program Benefits
Allows you to deduct pre-tax money from your paycheck up to the maximum allowed limits, lowering your taxable income for the year. You will receive a Flex debit card.
Health Care – up to $2,500 to use towards expenses not covered by your medical, dental and vision care plans such as copays, deductibles and out of pocket expenses
Dependent Care – up to $5,000 to use towards the cost of dependent day care services for eligible children and/or other qualifying dependents

36. Flexible Spending Accounts
Flexible Spending Account (FSA) Program Rules:
Traditional Flexible Spending – You may elect if you are enrolled in the Basic Plus or the Premier Plan:
All money contributed to your FSA must be used to pay for eligible Medical, Dental, Vision and Prescription expenses incurred during that plan year only
Limited Flexible Spending – You may elect if you are enrolled in the HDHP
All money contributed to your limited FSA must be used to pay for eligible Dental and Vision expense ONLY.

37. Annual Renewals – Leave Bank
Leave Donation/Leave Bank-
This is your chance to opt in to the leave bank. If you do not, you will need to wait until next Open Enrollment, effective 7/1/2019.
The leave bank gives you an opportunity to contribute and receive donated hours to use during a future medical leave.
To be eligible, you must have been employed with YC for 1 year AND have 40 hours of available leave after donating 8 hours to the leave bank. To enroll in the leave bank, Click Here
If you have not yet reached one year of employment, you can enroll upon completion of one year of service.

38. What Happens if I need to make a mid-year change?
During Open Enrollment you can change any of your benefit elections.
Outside of Open Enrollment you must have a Qualifying Event AND the changes you make are restricted.
Qualifying Events include, Marriage, Divorce, Birth, Adoption, Loss of Coverage, or Reduction in coverage.
Per IRS, you have 31 days to make a change after the date of the event.
Example, if you have a new child (birth or adoption) and want to add them to your insurance, you need to submit a new Benefits form to HR and attach proof of the event (birth or adoption records, etc.) within 31 days. Then, you can add them to your existing coverage however you cannot upgrade to a different plan.

39. Where Can I Read More Information Now?
For the most up to date info, go to the YC Benefits Page
Click Here
To find your current coverage, log in to Summit
Pick up a new Benefits Guide at HR in Building 30
(will also be available during the Benefits Meetings)
To see an electronic copy of this guide Click here

40. 1
FAQ on Enrollment form
1. Choose Open Enrollment 2. Leave the mid section blank 3. If you are waiving coverage you must choose “Waive Coverage”. This is for ACA compliance 4.Calculations per pay are NOT required. This is to help you. Just fill in one of the sections to tell us what coverage you are electing. 2 3 4
Page 1

41. 1
FAQ on Enrollment form 2
1. Only fill out the “Other Coverage” if you or one of your dependents is covered on another health plan 2. YOU MUST LIST A BENEFICIARY 3. YOU MUST LIST SSN’s for beneficiaries 4. Choose accept or waive and sign YES, EVERY BENEFITS ELIG. EMPLOYEE MUST COMPLETE You can make changes up until May 31. Safe upload is preferred but not required. You can drop off paper copies to HR - Building 30 3 4
Page 2

42. How Do I Enroll?
Fill out a benefit enrollment form online and submit to HR. Scanned copies are preferred. “Safe Upload” link is available on the Benefits Home Page Click here to enroll (Must use Internet Explorer)

43. How Do I Enroll? Need more help? Attend an on site Benefits Meeting
May 3 (Thursday) Verde- 11:00 am
601 Black Hills Dr, Clarkdale, AZ (Bldg. G-103)
May 14 (Monday) Prescott-11:00 am
1100 E. Sheldon Street, Prescott, AZ (Bldg )
May 22 (Tuesday) Prescott Valley- 2:00 pm
6955 Panther Path Prescott Valley, AZ (Bldg )
Meetings will be viewable online through ZOOM virtual conferencing.
Deadline to enroll
is May 31st!

44. Or call YC Human Resources at 928-776-2217
MORE Information on Summit Administration Services, Inc., the Prescription Drug Program, FSAs, the YCT Plan Document and more are available online at: or
Or call YC Human Resources at