1. Employee Benefits
Open Enrollment

2. PARTNERING TOGETHER TO BETTER SERVE YOU
Human Resources & Trutina Financial are your resource for:
General benefits questions
Claim issues
Billing issues
Contacts:
Carrie Otoupalik, PHR,SHRM-CP
Karras Miller, Account Manager
Client Services Team

3. OPEN ENROLLMENT
Opportunity to add or delete coverage for self and dependent(s) for currently eligible employees, for an effective date of January 1, 2019
Must be currently enrolled in benefits or have met the eligibility waiting period
Coverage will remain in place until December 31, 2019 unless you have a qualifying event
ALL changes must be made on Employee Navigator by NOVEMBER 19th
Required: annual re-election for FSA & HAS
Required: election for vacation purchase plan
See form included in Open Enrollment or contact Human Resources

4. COMPREHENSIVE EMPLOYEE BENEFITS PACKAGE
Regence
Medical - HSA
Regence
Medical - PPO
Delta
Dental
Cigna
Life & AD/D
Willamette
Dental
Cigna
Long Term Disability
Vision Service Plan
Vision
Cigna
Voluntary Life & AD/D
Flexible Spending
Account (FSA)
Cigna
Voluntary Short Term Disability
FSA
Dependent Care
Employee Assistance Program (EAP)
Health Reimbursement Account (HRA)
Health Savings Account
Limited Purpose FSA

5. ENROLL THROUGH EE NAVIGATOR
Go to:

6. SELECTING THE RIGHT PLAN
Consider how you & your family use your medical plan
Compare what you pay for premiums, what you pay for services & prescriptions
Both Plans cover preventive care at 100% but vary in deductible, copays and co-insurance.
Consider what you want most:
Low monthly premiums
Flexibility & choice
Plan for future
Videos
Choices
See additional videos on the EE Navigator Benefits Portal for more information on selecting the right plan for YOU

7. MEDICAL PLAN OVERVIEW Plan Name PPO $3000
Used with Health Reimbursement Account (HRA)
HSA $2,500
Used with Health Savings Account (HSA)
Provider Network
REGENCE
Deductible
In Network: $3,000 Individual and $6,000 Family
In Network: $2,500 Individual and $5,000 Family
Annual Out-of-Pocket
In Network: $6,000 Individual and $12,000 Family
In Network: $5,500 Individual and $6,850 Family
Cost Share
In-Network: Copay, Deductible, then 20% Coinsurance
In-Network: Deductible, then 20% Coinsurance
Office Visits
$35 Copay, then 100%
Deductible, then 20% Coinsurance
Preventative Care
Covered 100%
Emergency Services
$100 Copay, then deductible and 20% Coinsurance
Urgent Care
Pharmacy
Up to 30 day supplies:
Generic: $10 Copay
Preferred Brand Name: $25 Copay
Non-Preferred Brand Name: $40 Copy
Specialty Drugs : 20% Coinsurance
Up to 90 day supplies:
3 X the 30 day supply copays

8. Health Reimbursement account
Bank of the Pacific PPO Medical Plan: $3,000 Deductible $6,000 Out-Of-Pocket Max for In-Network Services
2: Member has to pay $3,000 Deductible prior to Coinsurance begins. Member is eligible for HRA assistance after $750.
1: Member receives a medical bill $4,000 from In-Network Provider
3: Through your HEALTH REIMBURSEMENT ACCOUNT (HRA), Bank of the Pacific will contribute $2,250 to help offset the cost of your deductible. For an individual, you will pay the first $750 and Bank of the Pacific will pay the next $2,250
HRA
Health Reimbursement account
4: After the deductible has been paid;
Insurance pays 80%, you pay 20%
$3,000* (deductible) + (20% of $1,000=$200) = $3,200 is the amount due
*Remember – Bank of the Pacific contributes $2,250 through your HRA to offset the $3,000 Deductible. This means your portion of the deductible is $750 + $200 (20% coinsurance) = $950 is the amount you will pay
5: The member pays 20% coinsurance of medical expenses until they reach their Out-Of-Pocket Maximum (OOPM)
6: The Out-Of-Pocket
Maximum ($6,000) is the
most you pay out of pocket
in a calendar year. Once the
Out-Of-Pocket is met,
medical expenses are
covered 100% with
in-network providers

9. Willamette Dental Plan
DENTAL PLAN OVERVIEW
Plan Name
Delta Dental PPO Plan
Willamette Dental Plan
Provider Network
Delta Dental PPO
Willamette Dental Group
Benefit Period
January 1, 2019 – December 31, 2019
Deductible
Copay
Per Person: $50
Per Family: $150
Waived on Class I Services
Per Person: No Deductible
$25 Per Visit
Benefit Period Maximum
Per Person: $2000
Class I Services do not apply towards Annual Maximum
No Annual Maximum
CLASS I
Exams, Cleanings,
X-rays, Fluoride & Sealants
Delta PPO: 100%
Non-Participating: 100%
Covered with Office Copay $25 Per Visit
CLASS II
Fillings, Oral Surgery, Root Canals, Endodontics & Periodontics
Delta PPO: 90%
Non-Participating: 80%
Fillings Covered with Office Copay
Routine Extractions Covered with Office Copay
Surgical Extractions Covered with $100 Copay
Endo & Perio – refer to schedule
CLASS III
Crowns, Dentures, Partial Dentures, Implants & Bridges
Delta PPO: 50%
Non-Participating: 50%
Crowns Covered with $350 Copay
Dentures Covered with $450 Copay
Bridge Covered with $350 Copay
Orthodontia
Not Covered
Pre – Ortho Service $150 Copay
Comprehensive Ortho $2,000 Copay
For Adult AND Children

10. VISION PLAN OVERVIEW VSP CHOICE PLAN Plan Name Provider Network
Provider Network
VSP PPO
Well Vision Exam
In Network : $20 Copay
Every 12 months
Prescription Glasses
$20 Copay:
Lenses - every 12 months
Frame – every 12 months
$180 allowance + 20% discount on any amount over allowance
Contact Lenses
(If chosen instead of glasses)
Up to $180 allowance for contacts
** See Booklet for Out of Network Benefit

12. EMPLOYER PROVIDED BENEFITS
*All Employees regularly scheduled to work 30 hours or more per week are eligible for the following Bank of the Pacific paid benefits
Life & AD/D
Plan Name
CIGNA
Benefit Amount
2 X Salary up to $300,000
Long Term Disability (LTD)
Plan Name
CIGNA
Employee Weekly Benefit Amount
60% of monthly earnings up to a maximum of $11,000 per month
Elimination Period
90 days for both covered injury & covered sickness
Benefit Duration
Benefits extend to age 65 as long as you meet the definition of disability

13. Voluntary Life & AD/D
This benefit is not available for Open Enrollment; all elections are subject to approval by Cigna Underwriting and will require submitting Evidence of Insurability.
Plan Name
CIGNA
Employee Life Insurance
An amount up to $300,000 in increments of $10,000,
not to exceed 5x basic annual earnings
Spouse Life Insurance
An amount up to $150,000, in increments of $5,000
Employee AD&D Insurance
Spouse AD&D Insurance
An amount up to $100,000, in increments of $5,000
Guarantee Issue Amounts:
Employee Life
Spouse Life
3X Salary up to $200,000
$30,000

14. Voluntary Short Term Disability (STD)
Plan Name
Cigna
Employee Weekly Benefit Amount
60% of weekly earnings up to a maximum of $2,000 per week.
Elimination Period
0 days for covered injury & 7 days for covered sickness
-Benefits begin at day 1 & day 8 (respectively)
Benefit Duration
Benefits extend for 13 weeks for and accident and 12 weeks for covered sickness as long as you meet the definition of disability (elimination period included in the benefit duration)

15. Employee Assistance Program (EAP)
The EAP program is a professional, confidential, counseling and referral program.
3 face to face counseling sessions per issue
Unlimited telephone access to EAP professionals 24/7
Common items to use the EAP benefit for:
Marital/Family Problems
Health/Mental Concerns
Child/Eldercare Concerns
Parenting Difficulties
Work-Related Problems
Relationship Concerns
Gambling/Substance Abuse
Stress, Anxiety, and Abuse
Legal & Financial Assistance
Will Preparation
Available 24/7
(800)

16. Dependent Care Account Health Reimbursement Account
HRA
This HRA Plan is defined as assisting with all medical plan deductible expenses, tracking limits per person which supplements a portion of out of pocket deductible expenses for the current plan year only.
Bank of the Pacific contributes $2,250 for Individual and $4,500 for Family, after an employee has fulfilled their portion of the deductible.
Flexible Spending Account
New Benefit
Limited Purpose Flexible Spending Account
Limited Purpose FSA
Limited-Purpose Flexible Spending Account (LFSA) Eligible Expenses - A Limited-Purpose Health Flexible Spending Account (LFSA) is available for employees enrolled in their employer’s group sponsored health plan who also have a Health Savings Account (HSA). It is similar to a traditional General Purpose Health FSA, allowing you to set aside pre-tax dollars to use toward reimbursable healthcare expenses, except it is limited to dental, vision and preventive care expenses.
Common Eligible Expenses
Any Dental and Vision expenses only available for Preventive Medical expenses when the tests are used for medical diagnosis and are not subject to deductible.
Examples include hearing, and vision screenings.

17. 2019 IRS Contribution Limits
FSA / DCFSA / HSA
2019 IRS Contribution Limits
Health Care FSA
Limited Health Care FSA
Health FSA Carryover: If the plan year ends before you’ve used all of your Health FSA funds, you’re allowed to have up to $500 carry over to the next FSA plan year. If you have more than the $500 remaining, you’ll lose those additional funds, along with all other account balances.
$2,650
Dependent Care FSA
For dependent children up to age 13 or disabled taxable dependent who is unable to care for themselves.
$5,000*
Health Care Spending Account (HSA)
$3,500 for an Individual
$7,000 for a Family
*$2,500 if married and filing separately

18. REMINDERS Do preventive checkups/cleanings
No cost for preventive medical procedures provided your doctor is in-network and the procedure is coded as preventive
ALL changes must be made on Employee Navigator by NOVEMBER 19th
Required annual re-election for FSA & HSA
Reach out to Human Resources or Trutina with individual questions

19. Bank of the Pacific Benefits Plan Contacts: 1/1/19-12/31/19
The Client Services Team is here to assist you. If you have questions that Regence, Willamette, Delta Dental, VSP, Pacific Source, Cigna, BOP or
Pentegra cannot answer,
Please contact us:
Toll Free
10811 Main Street Bellevue, WA 98004
Bank of the Pacific Benefits Plan Contacts: 1/1/19-12/31/19
Medical: Regence
Group No.:
Vision: VSP
FSA & HRA: Pacific Source
Life/AD&D and LTD: Cigna Voluntary Life/AD&D and STD: Cigna
HSA: Bank of the Pacific
401(k): Pentegra- 401ksave.net/portal
Dental: Willamette Dental Group
Group No.: WA545
Dental: Delta Dental of WA
Group No.: 09265
Bank of the Pacific’s Human Resources Team and Trutina’s Client Service Team are here to serve you!