1. Open Enrollment
2018

2. Open Enrollment
June is your Open Enrollment period. Open enrollment allows non-covered employees, spouses and dependent children to enroll without a qualifying event. Any changes made during Open Enrollment will be effective July 1, 2018 and will remain in effect until June 30, If you do not enroll during Open Enrollment, you must enroll within 31 days of a qualifying event such as marriage, divorce, death, birth, adoption, loss of other coverage, etc.

3. Medical Plan
Renewal Date with All Savers (United Healthcare Network) is July 1
Renewal increase of 10%
Alternate quotes uncompetitive (BCBS, Aetna and UHC)
There were no plan changes this year
Deductible and Out of Pocket Maximums run on a calendar year and will start over every year on January 1

4. Medical Plan
No plan changes this year The EPO has In-network benefits ONLY Same list of in-network providers: Locate In-Network providers at Network name: United Healthcare Choice

5. (out-of-network not covered)
Medical Plan benefits
Benefit
In-Network ONLY
(out-of-network not covered)
Calendar Year Deductible
$2,000 Individual $4,000 Family
Plan Percentage After Deductible
80%
Out-of-Pocket Max Including Deductible
$4,000 Individual $8,000 Family
Preventive Care Must be billed as Preventive
100% No Deductible

6. (out-of-network not covered)
Medical Plan benefits
Benefit
In-Network ONLY
(out-of-network not covered)
Office Visit
Urgent Care
$40 Copay Primary Care / $80 Copay Specialist
$100 Copay
Emergency Room
*Out-of-Network emergency covered at the In-Network level. Balance billing may occur.
$300 Copay
Prescription Drugs Tier 1 Tier 2 Tier 3 Tier 4
$15 per Prescription $35 per Prescription $75 per Prescription $250 per Prescription
Other Eligible Services
80% After Deductible

7. Medical Plan Premiums
Coverage Tier
Employee Cost (Per Pay Period)
Employee Only
$0.00
Employee & Child(ren)
$236.32
Employee & Spouse
$288.83
Employee & Family
$551.40
CTSI pays 100% of the Employee Only Premium on your behalf!

8. Cost saving Tips
Primary Care Physician
$40 Copay
Urgent Care
$80 Copay
Hospital Emergency Room
$300 Copay
+ $2,000 Ded
+ 20%
Free Standing Emergency Room
+ balance bill if OON
True Emergencies are paid at the In-Network Level of benefits. However, if the facility is not contracting they can choose to balance bill you.

9. Visit GoodRX.com to locate the lowest cost medication in your area.
RX saving Tips
Generic
Avg. Cost: $28.46
Brand
Avg. Cost: $260.61
Avg. cost of brand/generic
Member OOP cost
Copays:
Generic $
Brand $
Visit GoodRX.com to locate the lowest cost medication in your area.

10. Dental Plan Benefits Your Dental Plan is administered by Principal
Calendar Year Deductible (Waived for Preventive Care)
$25 Individual $75 Family
Calendar Year Maximum Benefits
$1,500 per Covered Person
Preventive Care
100% (of Allowed Amount)
Basic Care
80% (of Allowed Amount)
Major Care
50% (of Allowed Amount)
Orthodontic Care (Dependent Children to age 19 Only)
50% (of Allowed Amount) Up to $1,500 Lifetime Max

11. Dental Plan Benefits
Dental Plan
Benefits
Maximum Accumulation (Carry Over Unused Max Benefit)
Must have had a Dental Service
Used less than $750 of Benefit
Carry Over $750
Late Entrant Waiting Period
(Does not apply during Open Enrollment)
12 Months for Basic
24 Months for Major
See any dentist, however, participating dentist agree not to balance bill. To locate in-network dentist visit:

12. Employee Cost Per Pay Period
Dental Plan Premiums
Coverage Tier
Employee Cost Per Pay Period
Employee Only
$0.00
Employee & Child(ren)
$30.88
Employee & Spouse
Employee & Family
CTSI pays 100% of the cost of the Employee Only Premium on your behalf!

13. Vision Plan Benefits
Your Vision Plan is administered by Superior Vision
Vision Plan
In-network
Out-of-network
Eye Exam
(Once every 12 months)
$10 Copay
Up to $45 Allowance
Prescription Glasses
Lenses
Frames (once every 24 months)
$25 Copay
Once every 12 months
$150 allowance (plus 20% discount over allowance)
Allowance varies by type
Up to $70 Allowance
Contact Lenses
Instead of Glasses
(once every 12 months)
$150 allowance after copay
Up to $60 copay for contact lenses exam
Up to $105 Allowance

14. Employee Cost Per Pay Period
Vision Plan Premiums
Coverage Tier
Employee Cost Per Pay Period
Employee Only
$0.00
Employee & Child(ren)
$3.20
Employee & Spouse
$3.43
Employee & Family
$7.41
CTSI pays 100% of the cost of the Employee Only Premium on your behalf!
Locate In-Network providers at
Network name: VSP Choice

15. Group Term Life
CTSI provides all full-time employees with a Group Term Life policy at no cost to the employee. Benefit Amount : $15,000 (age reductions apply, over 70) Administered by Principal

17. www.myctsibenefits.com 24/7 Access to your Benefit Information:
Benefit Summaries
Eligibility Information
Complete Plan Documents
Payroll Deductions
Enrollment Forms
Claim Forms
Links to Carrier Provider Directories
Contact Information

18. House Keeping
All Savers Enrollment Form- Only complete if you are making an open enrollment change for the Medical Plan
Principal Enrollment / Change Form – Only complete if you are making an open enrollment change for Dental and Vision Benefits
Please return all forms to BJ Macom, by Monday, June 25th

19. Questions
Julie Barnhill, Sr. Account Executive Erin Dawson, Benefit Analyst
Please Note: The information provided in this presentation is for summary purposes only and is not a comprehensive explanation of benefits or legal document. Please refer to the carrier’s plan documents. In the event of a discrepancy between the carrier plan documents and this document, the carriers’ plan documents will prevail.