1. Benefits Open Enrollment
Effective May 1, 2019

2. Enroll for the First Time Add/Remove Dependents
Passive Open Enrollment = April 9 -23
Enroll for the First Time
Make Plan Changes
Add/Remove Dependents
If you have a life event during the year, you may make changes by notifying HR within 30 days of your event (marriage, birth, adoption, divorce).
PLEASE NOTE

3. Eligibility
All regular full-time employees working on average, a minimum of 30 hours per week and has satisfied the waiting period (first of the month following 60 days from the hire date).
Who is an eligible dependent?
Legal Spouse/Registered Domestic partner
Dependent Children up to the age of 26
regardless of school status (Health Care Reform)
Note: All changes you make during this open enrollment period will remain in effect through April 30, 2020 unless you have an eligible qualifying event. You have 30 days from the date of a qualifying event to notify HR and make changes to your benefits.

4. Get The Total Package Medical Voluntary Critical Illness Dental
Vision
Basic Life & AD&D
Voluntary Life and AD&D
Voluntary Long Term Disability
Voluntary Accident
Voluntary Critical Illness
Get The Total Package
For details on these benefits, please refer to your Benefits Guide.

5. New Benefits Effective May 1, 2019
Anthem Blue Cross
New HMO Medical Plan (embedded wellness) replacing High HMO Plan.
Sunlife
New Voluntary Life/AD&D .
New Benefits Effective
May 1, 2019

6. Medical Insurance

7. You have the option of choosing between:$ $$
$$$
$$$$
High PPO
Low HMO Select Deductible
(CA Only – Narrow Network)
Low PPO Elements H.S.A
NEW High HMO Be Active
(CA Only – Full Network)
Preventive Services:
Covered 100%
Deductible:
None
Office Visits:
$20 / $40 Copay – PCP/ Specialist
$20 Copay – LiveHealth
Out-of-Pocket Maximum:
$2,000 / $4,000
Chiropractic $20 (60 day limit/benefit period)
Acupuncture $20 (60 day limit/benefit period)
Hospitalization: $250 per admission
Outpatient Surgery: $125 per admission
Urgent Care - $20
Emergency Room - $100
Preventive Services:
Covered 100%
In-Network Deductible:
$500 Single / $1,500 Family
Office Visits:
$20 – PCP/ Specialist
$20 Copay – LiveHealth
In-Network Out-of-Pocket Maximum:
$3,500 / $7,000
Chiropractic $20 (30 visits/benefit period)
Acupuncture $20 (20 visits/benefit period)
Hospitalization: 20% after Deductible
Outpatient Surgery: 20% after Deductible
Urgent Care – $20
Emergency Room - $150 then 20%
Preventive Services:
Covered 100%
Deductible:
$1,500 per member
Office Visits:
$25 / $40 Copay – PCP/ Specialist
$25 Copay – LiveHealth
Out-of-Pocket Maximum:
$3,000 / $6,000
Chiropractic $25 (60 day limit/benefit period)
Acupuncture $25 (60 day limit/benefit period)
Hospitalization: 25%
Outpatient Surgery: 25%
Urgent Care - $25
Emergency Room - $150 then 25%
Preventive Services:
Covered 100%
In-Network Deductible:
$6,100 / $12,200
Office Visits:
0% after deductible
$49 Copay – LiveHealth
In-Network Out-of-Pocket Maximum:
$6,400 / $12,800
Chiropractic 0%(30 visits/benefit period)
Acupuncture 0% (20 visits/benefit period)
Hospitalization: 0% after deductible
Outpatient Surgery: 0% after deductible
Urgent Care - 0% after deductible
Emergency Room - 0% after deductible

8. High HMO Be Active Earn up to $1,200 in rewards and reimbursements
Preventive wellness exam and a flu shot = $100 reward
Online Wellness Toolkit = up to $150 reward
Future Moms = up to $150 reward
Tobacco-free certification = $50 reward
Gym Reimbursement = up to $400 reward

9. Online Health Services – Convenient & Lower Cost
General Health:
Set up account
Visit livehealthonline.com, click Set up account and provide the required information. You can also call for assistance.
Provide medical history
Your medical history provides LiveHealth doctors with the information they need to make an accurate diagnosis.
Web: Log in to livehealthonline.com
Mobile: Visit livehealthonline.com/mobile to download the app.
Phone: Livehealthonline can help you complete your medical history over the phone.
Request a consult
Once your account is set up, request a consult anytime you need care.
Acne
Allergies
Asthma
Bronchitis
Cold and flu
Diarrhea
Earaches
Fever
Headache
Infections
Insect bites
Joint aches
Nausea
Pinkeye
Rashes
Respiratory infections
Sinus infections
Skin infections
Sore throat
Urinary tract infections
Pediatric Care:
Cold and flu
Constipation
Earaches
Nausea
Pinkeye

10. Dental Insurance

11. You have the option of choosing between:$ $$
Anthem
Dental HMO (CA Only)
Anthem
Dental PPO
Assigned a Dentist
No Annual Maximum
No Deductible
Two Routine Cleanings, 1 Every 6 Months
Orthodontia Coverage for Adult & Child
(Please Refer to Benefit Schedule)
Freedom to go to any in-network or out-network Dentist
Annual Benefit Maximum $1,500 Per Person Per Calendar Year
$50 Deductible Per Individual up to $150 Family
Preventive Services 100% (Deductible Waived)
Basic Services 80%
Major Services 50%
Orthodontia Coverage Not Available

12. Vision Insurance

13. Comprehensive Vision Coverage
Anthem Blue View Vision Network
Comprehensive Eye Exam $20 Copay
$130 Frames Allowance + 20% off remaining balance or
$130 Elective Contact Allowance
$0 Copay lenses
Exams & Lenses every 12 months and
Frames every 24 months

14. Life and Accidental Death and Dismemberment Insurance Benefits

15. Employer funded Life and Accidental Death and Dismemberment
PharMedQuest provides eligible employees with a Basic Life and Accidental Death and Dismemberment (AD&D) benefit of $25,000.
Accidental Death and Dismemberment (AD&D) insurance provides specified benefits for a covered accidental bodily injury that directly causes dismemberment (e.g., the loss of a hand, foot, or eye). In the event that death occurs from a covered accident, both the life and the AD&D benefit would be payable.
The Benefits do reduce with Age. 35% reduction at age 65; 50% reduction at age 70
This benefit is at no cost to you, PharMedQuest pays 100% of the cost. Benefit eligible employees are automatically enrolled.
Note: You must name a beneficiary to these benefits. Please remember to update your beneficiary throughout the year if you experience a life event such as marriage or divorce.

16. Additional Benefits to Life and AD&D
Portability / Conversion — With Portability you can keep your coverage if you leave the company or retire, provided you aren’t seriously ill. If seriously ill it may better suit you to convert the policy to a Whole Life policy, which builds cash value.
Life Planning Financial & Legal Resources — Specially-trained consultants available to help employees manage emotional challenges of a terminal illness or loss of a loved one.
Accelerated Death Benefit — Allows employees to receive up to 75% death benefit in a lump sum, if they are terminally ill.
Note: You must name a beneficiary to these benefits. Please remember to update your beneficiary throughout the year if you experience a life event such as marriage or divorce. 

17. NEW Voluntary Life and Accidental Death and Dismemberment
Paid for by you, the employee.
Employee Benefit: 5 x your compensation in increments of $10,000 not to exceed $500,0000.
Spouse: Up to 100% of employee coverage amount in increments of $5,000 not to exceed $150,000
Child: Up to 100% of employee coverage amount in increments of $5,000 not to exceed $10,000
New Hire Guarantee Issue (no medical underwriting required for new employees) Any elections above the listed guaranteed issue amounts will require the completion of an evidence of insurability form
Employee: $150,000
Spouse: $25,000
Child: $10,000

18. Employee Assistance Program (EAP)
Anthem provides you and your household members with free, confidential assistance to help with personal or professional problems that may interfere with work or family responsibilities and obligations.
Services are available 24 hours a day, 7 days a week via tollfree nationwide number
3 counseling sessions per person, per problem, per year.
Accessing the EAP
(888)

19. Voluntary Accident – Sun Life Pays You!
Helps cover out of pocket expenses for off the job injuries, emergencies and hospitalization for any member of the family due to an accident
Accidental Death
$25,000
Fractures
$1,000 (multiple ribs)
Hospital Admission
$1,000 (once per year)
Open Surgery
$1,250
Physical Therapy
$25 up to 10 visits

20. Voluntary Critical Illness – Sun Life Pays You!
If you are diagnosed with a covered condition like a heart attack or stroke, critical illness insurance pays a lump sum benefit that can be used however you want.
Employee
$10,000
Spouse
$5,000
Children
Wellness
$50

21. Voluntary Long-Term Disability
This benefit is optional
Long Term Disability
Eligibility
Actively working a minimum of 30 hours per week
Plan design:
60% of your gross monthly earnings up to a maximum monthly benefit of $8,000
Maximum monthly
benefit period:
Until you reach the SSN Retirement Age
Weekly elimination period:
180 days

22. Online Member Enrollment
ENROLLMENT COMPLETED!
Step 4: Update beneficiary form
Step 3: Complete Enrollment via Benetrac Platform
Enroll For The First Time
Terminate Coverage
Making Plan Changes
Adding / Deleting Dependents
Step 2: Review your plans
Step 1: Get the facts

23. Questions?