BENEFITS GUIDE 2020-2021 - JMT University
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BENEFITS GUIDE
2020-2021
CONTENTS Welcome to Our Open Enrollment........................ 3 Health Savings Account..........................................13 What’s New................................................................. 4 Commuter Benefit....................................................14 Eligibility......................................................................5 Supplemental Life ...................................................14 Life and AD&D...........................................................6 Employee Costs....................................................... 15 Employee Assistance Program..............................6 JMTScripts................................................................ 16 Short Term Disability.................................................6 Teladoc Health......................................................... 16 Long Term Disability.................................................6 Identity Theft Protection ........................................17 MyQHealth.................................................................. 7 Financial New Year, New You................................17 Transparency Tool..................................................... 7 Election Steps.......................................................... 18 Medical Summary ..................................................... 8 UltiPro Open Enrollment........................................ 19 Prescription Drug Program.....................................9 Contacts................................................................... 20 Dental......................................................................... 10 Glossary of Terms.................................................... 21 Vision.......................................................................... 11 Notes......................................................................... 22 Flexible Spending Accounts................................. 12 Cost Worksheet Comparison................................23 Johnson, Mirmiran & Thompson [2] 2020-2021 Employee Benefits
WELCOME To Our Open Enrollment
At JMT we care! Providing a comprehensive, competitive,
and affordable benefits package to you and your family is
TAKE ACTION
imperative to our overall well-being culture. Our programs are
instrumental in ensuring we continue to recruit the best and Sign up for an Open
the brightest while retaining those we hold most valuable, all Enrollment Meeting.
of you! See your JMT email
or Intranet posting
We welcome you to our Open Enrollment for the 2020-2021
Plan Year. Open Enrollment runs from January 20th - January Review this Benefits
31st, and elections will be effective on March 1st. Guide
Submit enrollment
WHAT IS OPEN ENROLLMENT? changes by January
31, 2020 via your
Open Enrollment is the one time a year where you can make
UltiPro Open
changes to your benefits elections without having a qualifying Enrollment Portal
event such as marriage, birth, adoption, divorce or loss of
coverage. If you do not want to change anything you will not REMEMBER: FSA
need to make an enrollment election. Your existing enrollments benefits MUST be
will carry-over to the new plan year, except for your Flexible re-elected each plan
Spending Account elections. You MUST re-elect your Flexible year
Spending Account benefits on an annual basis.
We are happy to present to you, our 2020 Benefits Guide. Take the time to learn more about the excellent
benefits JMT has to offer, and if you have any questions, your benefits team is available to assist you with a
one-on-one session. Just give us a call.
As always, we wish you and your family a happy, healthy 2020!
CONTACT HUMAN RESOURCES:
benefits@jmt.com | 443-662-4363 | x7777
Johnson, Mirmiran & Thompson [3] 2020-2021 Employee Benefits
WHAT’S NEW For the 2020 - 2021 Plan Year
CHANGES EFFECTIVE 3/1/2020:
• Medical:
» New Deductible and Out-of-Pocket Amounts
» New Blue Plan Specialist Copay
» Updated Pre-certification list*
- Added Outpatient Surgery Care and Durable Medical Equipment over $1,500, and all rentals
- Removed Rehabilitative Services (such as speech, occupational and physical therapy EXCEPT for services
related to habilitative services under the age of 19)
• Prescription:
» New Blue Plan Specialty Medication savings program
» New Mandatory Generic Program guidelines
• Updated Employee Premiums and Waiver Credit. See page 15 for details.
• 2020 IRS Annual Maximums:
Health Care Flexible Spending Account $2,750
Limited Purpose Flexible Spending Account $2,750
Dependent Care Flexible Spending Account $5,000
Individual Health Savings Account contribution $3,550
Family Health Savings Account contribution $7,100
Health Savings Account catch-up amount (age 55 or older) $1,000
Commuter Benefits $270 (monthly)
401(k) deferral amount $19,500
401(k) catch-up contribution (age 50 or older) $6,500
* New Medical ID cards will be issued
Wellness Program Reminders
If you completed the Wellness Program (by March 1, 2019 or within the 1st 5 months of being benefit
eligible) you are all set through this upcoming plan year as well, as it was a 2-year program.
Didn’t complete the Wellness Program and Want to Stop Paying the Non-Wellness Premium?
It is never too late to complete the Wellness Program and stop paying the additional premium. Log into
MyJMTHealth.com to check your status for what needs to be completed or call MyQHealth at 888-984-8188.
Johnson, Mirmiran & Thompson [4] 2020-2021 Employee Benefits
ELIGIBILITY ** For Core Benefits
EMPLOYEE CORE BENEFITS
You (and any eligible dependents) are eligible for our Core • Medical & Prescription
Benefits if you are: • Dental
• An active full-time employee.** • Vision
• Part-time employees regularly scheduled to work 20 • Basic Life Insurance/Accidental Death &
hours or more per week are eligible for the benefits Dismemberment Insurance
indicated by the asterisk (*) under Core Benefits.
• Short Term/Long Term Disability Insurance
DEPENDENTS • Health Savings Account
The following are considered eligible dependents under • Flexible Spending Accounts*
our plan:
• Commuter Benefit*
• Your legal spouse (as recognized by the laws of the
state in which you married). • Supplemental Life Insurance*
• Dependent children up to age 26. • LifeLock*
• Your unmarried, disabled, dependent children of any • Teladoc Health
age if they are ineligible for any other health insurance. • JMTScripts
• Wellness Program
**See Summary Plan Description on the JMT Intranet for more details • Employee Assistance Program*
Open enrollment will occur once each plan year. You may change your benefit elections during the open
enrollment period. Once you have made your selection, you may not change benefit elections until the next
open enrollment unless you have an IRS qualifying event.
“IRS Qualifying Events” include:
» Marriage, divorce or legal separation
» You add a dependent child through birth, adoption or court-ordered change in custody
» Death of a spouse or child
» .Your work schedule changes, affecting benefits, i.e. reduction or increase in hours, affecting eligibility
» Your spouse begins or terminates employment, affecting benefit coverages
» Your dependent loses eligibility for coverage
» Your spouse loses health coverage through their employer
» You and/or your spouse and dependents become eligible for COBRA
» You and/or your spouse and dependents gain or lose Medicaid coverage
» You receive a Qualified Medical Child Support Order (QMCSO)
If you experience a family status change and want to change your benefits, you
MUST contact Human Resources within 30 days of the family status event date.
Johnson, Mirmiran & Thompson [5] 2020-2021 Employee Benefits
COMPANY PROVIDED BENEFITS
NO COST TO YOU!
LIFE AND ACCIDENTAL EMPLOYEE ASSISTANCE
DEATH & DISMEMBERMENT PROGRAM
Through Symetra Through BHS
BASIC TERM LIFE INSURANCE BENEFIT ALL JMT EMPLOYEES
Full-time employees receive $100,000 of Basic Provides you and your household members
Life Insurance (this volume is reduced based on with FREE, confidential, in-the-moment
age – 65% at age 70, 40% at age 75, and 25% support to help with personal or professional
at age 80). problems that may interfere with work or family
responsibilities and is available 24 hours a day,
7 days a week.
ACCIDENTAL DEATH & DISMEMBERMENT
If death is the result of an accident, your Just call 800-327-2251.
beneficiary will receive an additional amount
equal to your Basic Life Insurance. If you are
dismembered, benefits will be paid to you as a
percentage of the Basic Life amount.
SHORT TERM DISABILITY LONG TERM DISABILITY
Through Symetra Through Symetra
FULL-TIME EMPLOYEES FULL-TIME EMPLOYEES
If you are out of work due to a non-work-related If you are out of work for more than 26 weeks,
injury or illness, you may be eligible to receive you may be eligible for Long Term Disability
disability benefits during your time away from benefits. The benefit is 66 2/3% of your monthly
work. earnings to a maximum of $8,000 per month.
• The benefit is 60% of your weekly earnings
to a maximum of $1,000 per week
• Maximum benefit period is 26 weeks
* Employees in New York and New Jersey may be eligible
for state disability programs in lieu of what JMT provides.
Reminder: Please call HR before any absence
443-662-4363 | x7777
Johnson, Mirmiran & Thompson [6] 2020-2021 Employee Benefits
COMPANY PROVIDED BENEFITS
NO COST TO YOU!
DID YOU KNOW? When you choose to enroll in our company
health plan benefits, you have access to these amazing tools!
MYQHEALTH By Quantum Health
MyQHealth is designed to help you and your dependents covered on our health
plans in navigating your personal healthcare journey, no matter what that path entails. MyQHealth bridges your
benefit plans to create a seamless experience for you and your family.
The Care Coordinator team is comprised of expert nurses, patient service representatives and benefits specialists
who are ready to help you before, during and after any health event. They collaborate with you and your
healthcare providers to make sure you have all the resources you need to improve your health. MyQHealth
fights hard to help you save money and make sure you get the best possible care for you and your family.
TURN TO YOUR HEALTH CARE WARRIOR FOR HELP WITH:
• ID Cards • New diagnosis care coordination
• Claims, billing, and benefit questions • Nurse support to help you stay or get healthy
• Prescription Issues • Reducing your out of pocket costs
• Finding in-network providers • Healthcare Bluebook transparency tool
• Pre-notification/Pre-certifications required by the Plan • Anything that can make the healthcare process easier
MYQHEALTH & HCBB?
CONTACT: 888-984-8188 | www.myjmthealth.com
TRANSPARENCY TOOL By Healthcare Bluebook
If you tore a muscle tomorrow, do you know how much Plus, you can earn cash rewards through the
the MRI would cost? If you don’t know the cost of care Go Green to Get Green program every time you
before you schedule your procedure, you could end up search for eligible procedures on Healthcare
overpaying by thousands of dollars! Bluebook and use a Fair Price™ facility.
JMT gives health plan enrollees FREE access to
Healthcare Bluebook, so you can see facility prices in
your area for hundreds of different medical procedures.
Healthcare Bluebook’s website and mobile app make
it easy to search for the procedure you need and find a
facility in your area that charges a Fair Price™ in minutes.
Johnson, Mirmiran & Thompson [7] 2020-2021 Employee Benefits
MEDICAL BENEFITS SUMMARY
Through Carefirst Administrators (CFA)
BLUE PLAN CONSUMER ADVANTAGE PLAN
GENERAL PLAN
IN-NETWORK OUT-OF-NETWORK IN-NETWORK OUT-OF-NETWORK
PROVISIONS
$750 / Individual $2,250 / Individual $1,500 / Individual $3,000 / Individual
Deductible (Ded.) $1,500 / Family $4,500 / Family $3,000 / Family $6,000 / Family
(Stacked Ded.)* (Stacked Ded.)* (Unstacked Ded.)** (Unstacked Ded.)**
Co-insurance Percent
80/20% 60/40% 90/10% 70/30%
(JMT Plan/Employee)
Out-of-Pocket Maximum
$2,500 / Individual $5,000 / Individual $3,000 / Individual $6,000 / Individual
(Includes copay, deductible $5,000 / Family $10,000 / Family $6,000 /Family $12,000 / Family
and co-insurance)
PREVENTATIVE SERVICES
Wellness Screenings (Test
100% 60/40% 100% Ded., then 70/30%
and Readings)
Well Child Care (ages 0-17) 100% 60/40% 100% Ded., then 70/30%
Adult Physical (ages 17+)
Including GYN and Cancer 100% 60/40% 100% Ded., then 70/30%
Screenings
OFFICE VISITS, LABS & TESTING
Primary Care Visit $25 copay Ded., then 60/40% Ded., then 90/10% Ded., then 70/30%
Specialist Visit $40 copay Ded., then 60/40% Ded., then 90/10% Ded., then 70/30%
X-ray and Lab Test Ded., then 80/20% Ded., then 60/40% Ded., then 90/10% Ded., then 70/30%
URGENT CARE & EMERGENCY ROOM
Urgent Care Center $40 copay Ded., then 60/40% Ded., then 90/10% Ded., then 70/30%
Emergency Room 80/20% 80/20% Ded., then 90/10% Ded., then 90/10%
HOSPITALIZATION
Inpatient Facility Ded., then 80/20% Ded., then 60/40% Ded., then 90/10% Ded., then 70/30%
Outpatient Facility
Ded., then 80/20% Ded., then 60/40% Ded., then 90/10% Ded., then 70/30%
(Freestanding)
Inpatient Physician Services Ded., then 80/20% Ded., then 60/40% Ded., then 90/10% Ded., then 70/30%
Outpatient Physician Services Ded., then 80/20% Ded., then 60/40% Ded., then 90/10% Ded., then 70/30%
MENTAL ILLNESS /
SUBSTANCE ABUSE
Inpatient Facility Ded., then 80/20% Ded., then 60/40% Ded., then 90/10% Ded., then 70/30%
Office Visits $25 copay Ded., then 60/40% Ded., then 90/10% Ded., then 70/30%
PRESCRIPTION DRUGS
Generic/Preferred/Non-Preferred
Retail Pharmacy (34-day $10 Generic /$30 Preferred Brand /$50 Non-Preferred
Ded., then $10/$30/$50
supply) Brand
Retail & Mail Order (90-day
$20/$60/$100 Ded., then $20/$60/$100
supply)
Please note that JMT’s Plan Year is March 1 - February 28 of each year. The deductible and out-of-pocket accumulators will re-set each March 1st.
*Stacked Ded: If family coverage, one member may stop at individual deductible maximum while others make up the remaining family unit deductible maximum.
**Unstacked Ded: If family coverage, the full family deductible maximum may apply to one member. No individual maximum applies.
Johnson, Mirmiran & Thompson [8] 2020-2021 Employee BenefitsPRESCRIPTION DRUG PROGRAM
Through Express Scripts (ESI)
Our Prescription Drug Program is administered through Express Scripts (ESI), which has a network of pharmacies that allows
for wide access in your local community & across the country.
MAIL ORDER
You may receive a 90-day supply of medication from ESI’s Home Delivery pharmacy for a 2 month copay. Members
have the option to fill a 90-day supply for their maintenance medications at a participating pharmacy (and will pay the
equivalent of the Home Delivery copays).
STEP THERAPY
Lets you get the safe and effective treatment you and your family need. In step therapy, drugs are grouped in categories,
based on treatment and cost. You would be required to buy a First-line drug as your first step, and then a Second-line
drug. Please reach out to MyQHealth with any questions.
MANDATORY GENERIC PROGRAM
All prescriptions (Rx) will be filled with a generic drug if available.
“SAVEON SP” PROGRAM
Select specialty medications will have a $0 copay for you and your covered dependents. Specialty medications will still
be filled through Accredo, your existing specialty mail pharmacy. This program is only available through the Blue Plan.
Remember: MyQHealth is your
first stop for all Rx questions!
CONTACT:
PHONE: 888-984-8188
WEBSITE: www.myjmthealth.com
Johnson, Mirmiran & Thompson [9] 2020-2021 Employee BenefitsDENTAL Through Delta Dental
The best way to maintain your oral health is through a sound program of regular dental care. Our partnership with Delta Dental
offers a greater opportunity for you to reduce your out-of-pocket costs using one of their two nationwide provider networks.
• PPO Network – Offers the deepest discounts on services
• Premier Network – Offers a slightly lower discount on services
NETWORK: PPO & PREMIER
PLAN SUMMARY
IN-NETWORK OUT-OF-NETWORK
Plan Year Maximum $1,500
$25/Individual
Plan Year Deductible (Ded.)
$75/Family
Orthodontic Lifetime Maximum
$1,200 per covered person
Limited to dependent children up to age 19
COVERED SERVICES PLAN PAYS
Preventive Services:
100% of *UC
Exams, X-rays, Cleanings, Fluoride Treatments, Sealants, etc.
Pregnancy Benefit:
1 additional cleaning
Periodontal Maintenance 100% of *UC
Sealing & Root Planning
Periodontal Surgery - up to 4 procedures
Basic Services:
Basic Restorative (Fillings, etc.), Emergency Palliative Treatment,
Endodontics, Non-Surgical Periodontics, Simple Extractions, Surgical 90% of *UC, Ded. applies
Periodontics, Complex Oral Surgery, General Anesthesia and/or IV
Sedation, etc.
Major Services:
Inlays, Onlays, Crowns, Prosthetics (Bridge, Dentures, etc.),
60% of *UC, Ded. applies
Periodontal Appliances, Dentures, etc.
Miscellaneous:
50% of *UC, Ded. applies
Night Guards
50% of *UC, Ded. applies
Implants
Orthodontics (Subject to lifetime maximum) 60% of *UC
* UC – Subject to Usual and Customary Fees
Although you may visit a dentist of your choice, be mindful that if out-of-network, the dentist has the ability
to balance bill you for services therefore increasing your out-of-pocket costs. Check with your dentist today
to confirm their participation or visit www.deltadentalins.com.
Johnson, Mirmiran & Thompson [ 10 ] 2020-2021 Employee BenefitsVISION Through EyeMed Vision Care
EyeMed consists of over 16,000 private practicing optometrists, ophthalmologists, opticians, and optical retailers. We have two vision
plan options, the Core Vision Plan and the Buy-up Vision Plan. Both plans utilize the EyeMed Access Network.
PLAN SUMMARY CORE VISION PLAN BUY-UP VISION PLAN
(CALENDAR YEAR) IN-NETWORK OUT-OF-NETWORK IN-NETWORK OUT-OF-NETWORK
Exam with Dilation Necessary $10 copay Up to $40 $10 copay Up to $40
Plan pays up to $130; you pay
Eyeglasses & Frames* 35% off retail price* N/A Up to $65
20% off Balance over $130
Standard Plastic Lenses*
Single Vision Lenses $50 $10 Up to $25
Bifocal Lenses $70 N/A $10 Up to $40
Trifocal Lenses $105 $10 Up to $65
Lens Options*
Tint (Solid & Gradient) $15 $15
UV Coating $15 $15
N/A
Standard scratch-Resistant $15 $15
Standard polycarbonate $40 $40
N/A
Standard anti-reflective $45 $45 $40
Standard progressive $135 $10 Up to $88
$10 copay, 80% charge less
Premium progressive N/A Up to $88
$120 allowance
Other add-ons & Services 20% off retail price* 20% off retail price N/A
Contact Lens Fitting & Follow-up
Plan pays up to $115; you pay
Conventional Contact Lenses 15% off retail price N/A Up to $92
15% off Balance over $115
Disposable Contact Lenses N/A N/A Plan pays up to $115 Up to $92
Medically Necessary Contact
N/A N/A Plan pays 100% Up to $210
Lenses
15% off retail price or 5% 15% off retail price or 5% off
Lasik & PRK Vision Correction N/A N/A
off promotional price promotional price
Members also receive a 40% discount off complete pair eyeglass purchases and a 15% discount off
Additional Pairs Benefit conventional contact lenses once the funded benefit has been used; does not apply to disposable contact
lenses.
Exams are covered every 12 months; standard plastic eyeglass lenses or contact lenses are covered every 12 months; frames are covered every 24
months.
* Under the Core Vision Plan, frame, lens, and lens option discounts apply only when purchasing a complete Pair of glasses.
FREEDOM PASS (Buy-Up Plan only): Special offer from Target® Optical. For $0 out-of-pocket
expense get any available frame, any brand — no matter the original retail price point. You’re free to
choose any frame in the store at no additional cost to you. OFFER CODE: 755288
CONTACTS BOOSTER (Buy-Up Plan only): Save $20 off your next order of contacts (and
free shipping!) above and beyond your regular contact lens benefit. Just create an account at
ContactsDirect.com using your EyeMed information and an extra $20 will be deducted at checkout.
Johnson, Mirmiran & Thompson [ 11 ] 2020-2021 Employee BenefitsPRE-TAX SAVINGS PROGRAMS
FLEXIBLE SPENDING ACCOUNTS
(FSA) Through PayFlex
The purpose of a Flexible Spending Account is to allow
you to set money aside on a pre-tax basis for various 1. HEALTH CARE FSA
medical, dental and vision expenses, and for various You can contribute pretax dollars from your paycheck, up
dependent daycare expenses. to the Internal Revenue Service (IRS) limit of $2,750. Your
full contribution is available at the start of the plan year to
THERE ARE THREE TYPES OF FLEXIBLE pay for eligible health care expenses. It covers you, your
SPENDING ACCOUNTS AVAILABLE: spouse and/or your tax dependents for:
1. Health Care FSA (not eligible if you are on a High • Copays, coinsurance and deductibles
Deductible Health Plan) • Dental expenses like orthodontia, crowns and bridges
2. Limited Purpose FSA (available only to those • Vision expenses like LASIK eye surgery, glasses and
enrolled in the HSA) contacts
3. Dependent Care FSA • Prescription drugs and over-the-counter (OTC) items.
IMPORTANT NOTES 2. LIMITED PURPOSE FSA
• You must make a new election each year to The Limited Purpose FSA works great with a Health Savings
participate in the FSA. Account {HSA), because it can help you save your HSA
dollars for future expenses. Contribute up to the Internal
• The FSA plan year runs from March 1st – February Revenue Service {IRS) limit of $2,750 in pretax dollars from
28th.
your paycheck. Your full contribution is available at the start
• You can roll over up to $500 of unused funds to the of the plan year. Eligible expenses may include:
next plan year (Medical FSA plans only). • Dental and orthodontic care, like fillings, X-rays and
braces
• You have until May 30th to submit claims for expenses
incurred during the previous plan year. • Vision care, including eyeglasses, contact lenses and
LASIK eye surgery
• You must save all itemized receipts for FSA claim
substantiation to PayFlex. 3. DEPENDENT CARE FSA
You can contribute pretax dollars from your paycheck, up
Please note: Over-the-counter medicines and drugs are not to the Internal Revenue Service (IRS) limit of $5,000. Funds
covered without a doctor’s prescription. Insulin and diabetic are for your dependent(s) age 12 or younger or a spouse
supplies do not require a prescription to be considered a or dependent incapable of self-care. This FSA pays for
qualified medical expense. Over-the-counter items such as: eligible child and adult care expenses, such as day care,
braces and supports, contact lens supplies and solutions, preschool and nursery school, in-home aid, and more.
first aid supplies, and ostomy products are other examples of
*No overnight camps (For the complete list of Dependent Care
items that do not require a prescription.
FSA eligible and ineligible expenses, visit www.IRS.gov and see
IRS Publications 503)
CONTACT:
PHONE: 844-729-3539
WEBSITE: www.payflex.com
LEARN MORE ABOUT THE HSA & FSA HERE!
https://payflex.jellyvision-conversation.com
Johnson, Mirmiran & Thompson [ 12 ] 2020-2021 Employee BenefitsHEALTH SAVINGS ACCOUNT
(HSA) Through PayFlex
A Health Savings Account (HSA) is an actual tax- • Money saved in an interest bearing account.
advantaged savings account available to those electing
• Optional cash-out feature (taxes may apply).
the Consumer Advantage Plan. When considering the
HSA option, think of this as a long term savings plan to be
To be eligible to enroll in the HSA, you must meet all of the
used not only for current, but future medical care expenses.
following:
Similar to a retirement plan, this program is designed with
the following benefits: • Must be covered under a High Deductible Health Plan
(HDHP / Consumer Advantage Plan).
• Money goes in the account through pre-tax payroll
deductions. • Can not be covered under another non-HDHP*.
• Unused funds in your account rollover and accumulate • Can not be enrolled in Medicare.
year after year.
• Can not be a dependent on another person’s tax return.
• You can use your HSA to pay for qualified medical *Other health insurance does not include: specific disease or illness
expenses such as deductibles and prescription costs; insurance, accident, disability, dental care, vision care and long-term care
dental and vision expenses. insurance.
• You own the funds in the HSA.
LEARN MORE ABOUT THE HSA & FSA HERE!
https://payflex.jellyvision-conversation.com
If your spouse has an FSA, you are not eligible to open an HSA until the
end of your spouse’s FSA plan year, and it has a $0 account balance.
O
NT HSA INF
IMPORTA
• 2020 Contribution Limitations: Individual - $3,550. Family - $7,100.
• Approved IRS Additional Catch-up Contribution: Currently, the IRS allows people aged 55 to 65
(and older if not enrolled in Medicare) to contribute an additional $1,000 per year for an Individual or Family HSA
account.
• Changes from a High-Deductible Plan: If you cease to be enrolled in a high-deductible plan, the money in your HSA
account is yours to pay for qualified expenses with no time limit. However, you can no longer contribute any additional
funds.
• Important Documentation: It is highly recommended that you save all receipts in the case of an IRS audit so you can
explain why you believed a certain expense was a qualified expense.
• Important Note: If you use your HSA to pay for an ineligible expense, you may be required to pay income taxes and
an additional penalty tax.
Johnson, Mirmiran & Thompson [ 13 ] 2020-2021 Employee BenefitsCOMMUTER BENEFIT
JMT offers a commuter benefit giving employees the opportunity to set aside pre-tax funds for transportation expenses
such as:
• Parking
• Mass transit / Vanpooling
The 2020 IRS limit is $270 per month for each of the above.
For more information on included and excluded expenses, please visit www.payflex.com and login (or create an account),
then select Commuter Benefits.
SUPPLEMENTAL LIFE Through Symetra
SUPPLEMENTAL LIFE FOR EMPLOYEES, SPOUSES AND CHILDREN
You may be eligible to purchase additional life insurance coverage for you and your spouse and/or children, based on your
employment status. The benefit volumes are:
• Employee: 5x annual salary (in increments of $10,000) up to a maximum of $500,000
• Spouse: Up to 50% of Employee’s benefit amount (increments of $5,000) up to a maximum of $250,000
• Child: $10,000 per child
During Open Enrollment you can enroll or increase your supplemental life insurance up to 2 increments (ex.
Employee $10,000 x 2 = $20,000) without Evidence of Insurability (EOI) provided you were not previously
declined for supplemental life coverage. Any amounts in excess of this will require an EOI to be submitted and
approved by Symetra.
*Benefits will be reduced based on your age, beginning at age 70.
EMPLOYEE SUPPLEMENTAL LIFE INSURANCE RATES
AgeEMPLOYEE COSTS
SEMI-MONTHLY PAYROLL DEDUCTIONS (24 PER YEAR) - EFFECTIVE MARCH 1, 2020
Blue Plan Consumer Advantage Plan
MEDICAL & (Medical/Rx) (Medical/Rx) ADDITIONAL
PRESCRIPTION NON-WELLNESS
Plan Year Premium Per Pay Premium Plan Year Premium Per Pay Premium PREMIUM:
Employee NO COST TO NO COST TO An additional
$1,224.00 $51.00 premium of up
Only EMPLOYEES EMPLOYEES
to $2,000/ year
will be added to
Employee + the semi-monthly
$3,192.00 $133.00 $576.00 $24.00
Child premiums for
employees
Employee + and spouses (if
$3,576.00 $149.00 $648.00 $27.00 applicable) who
Spouse
do not complete
the Wellness
Family $5,472.00 $228.00 $1,848.00 $77.00 Program.
New Waiver Credit = $1,200 per year to employees who waive health plan benefits.
Credit will be paid in 2 installments of $600 in March and September, assuming you
remain eligible for benefits and continue to waive the health plan.
Proof of other coverage will be required.
BUY-UP SHORT TERM LONG TERM BASIC LIFE &
DENTAL CORE VISION*
VISION DISABILITY DISABILITY AD&D
Employee Only $5.00 $0.00 $4.03
Employee + Child $11.00 $0.00 $8.02
NO COST TO EMPLOYEES
Employee + Spouse $12.00 $0.00 $7.62
Family $16.00 $0.00 $11.77
* The Core Vision plan is 100% employer paid for those individuals who chose to elect this coverage
Johnson, Mirmiran & Thompson [ 15 ] 2020-2021 Employee BenefitsJMTSCRIPTS Through CRX International
YOU MAY BE ELIGIBLE FOR FREE MEDICATION HOW DOES IT WORK?
Are you on a brand name maintenance medication? 1. Review the formulary list of brand name
Through JMTScripts you can receive certain brand name prescriptions to determine if any of your current
medications are available through this program.
maintenance medications FREE!
2. Before ordering through JMTScripts, you or your
ADVANTAGES OF JOINING JMTSCRIPTS doctor must attest that you have been taking
your prescribed medication for at least 30 days
• $0 copay for 3 months supply for all prescriptions
– this is to ensure you have not experienced any
offered through the program
complications with the medication.
• Prescriptions shipped directly to your home with no
3. Ask your doctor for a prescription for a 3-month
shipping and handling costs
supply with 3 refills.
• No out-of-pocket expenses
4. Request your doctor to fax your enrollment
form and prescription directly to JMTScripts OR
Mail your original prescription and completed
enrollment form to JMTScripts.
5. Include a new prescription for each medication
being ordered.
CONTACT:
6. CRX will call you prior to each refill to ensure that
PHONE: 1-866-488-7874
you have a continuous supply of medications.
WEBSITE: www.JMTScripts.com
TELADOC HEALTH 24/7/365 Access to a Doctor
Teladoc gives you 24/7/365 access to U.S. board-certified GET THE CARE YOU NEED
doctors who can treat many of your medical issues by
Teladoc doctors can diagnose, recommend treatment, and
phone or video. It is not insurance but an added medical
prescribe medication for many medical issues, including:
benefit that gives you an affordable alternative to costly
urgent care or emergency room visits. • Cold and flu symptoms • Urinary tract infection
• Bronchitis • Respiratory infection
Those enrolled in one of our health plans are eligible to use • Allergies • Sinus problems
this service with the following co-pays: • Poison Ivy • Ear infection
• Pink eye
Blue Plan $10 copay
If appropriate, the Teladoc doctor can write a short-term
Consumer Advantage Plan $49 copay
prescription and have it sent to the pharmacy of your
choice.
WHEN TO USE TELADOC
For non-emergency medical issues (especially as an
alternative to the high cost of an emergency room or urgent
care center). Teladoc doctors return calls in 16 minutes on
average. There is no time limit to your consult.
CONTACT:
PHONE: 1-800-Teladoc
WEBSITE: www.Teladoc.com
Johnson, Mirmiran & Thompson [ 16 ] 2020-2021 Employee BenefitsIDENTITY THEFT PROTECTION
Through LifeLock
Protect your personal information and defend against attacks
with 24/7, proactive identity theft protection from LifeLock. Identity
theft is one of the fastest growing crimes in the nation, which
is why LifeLock works around the clock to keep your personal
information safer and more secure. Using advanced detection HOW TO ENROLL:
technology, their always-on service protects you from identity
theft before it happens. 1. Go to www.yigenroll.com
Please visit www.yigenroll.com for detailed information on your 2. Use the Group ID of JMT
LifeLock plan options.
SEMI-MONTHLY CONTRIBUTION LIFELOCK BENEFIT ELITE LIFELOCK ADVANTAGE LIFELOCK ULTIMATE
PLUS
Employee $4.25 $8.49 $12.74
Employee & Child(ren)* $7.43 $12.74 $18.06
Employee & Spouse $8.49 $16.99 $ 25.49
Family* $11.68 $21.24 $30.81
* You may enroll up to 8 children with 4 of those children between the ages of 18 and 26.
FINANCIAL NEW YEAR, NEW YOU!
401(K)
Now is a good time to evaluate your 401(k) plan. The IRS limit for 2020 is $19,500. If you turn age 50 or older during the
calendar year, you may make additional “catch-up” contributions of up to $6,500. Changes can be made at any time. Please
remember to review your 401(k) account and select a beneficiary.
Get started in the new year with a FREE Financial 1 on 1 with our Retirement Plan Consultant, Hightower.
Chad Wilson, CFA®, CFP™, Managing Director, Co-Founder
Chad Wilson, CFA®, CFP™, Managing Director, Co-Founder
Chad Wilson, CFA®, CFP™, Managing Director, Co-Founder
CONTACT:
Chad oversees Fiduciary Plan Advisor's process of selecting and monitoring investment CONTACT:
Chad oversees
managers, performingFiduciary
managerPlan Advisor's
due diligenceprocess of selecting
and formulating and monitoring
investment investment
strategies.
Chad oversees Fiduciary Plan Advisor's process of selecting and monitoring investment
managers, performing manager duePHONE: diligence and443-578-3211 PHONE: 800-986-3343
managers, performing manager due diligence and formulating investment strategies.
formulating investment strategies.
Chad graduated magna cum laude with a Bachelor of Science degree in Business
EMAIL:
Chad graduated magna cum laude with
401KAdvisors@htfpa.com
Finance
Chad and English from
graduated
a Bachelor magnaBloomsburg
of Science cum laude
degree
University of Pennsylvania.
with a Bachelor
in Business of ScienceHedegree
is a Chartered
in Business WEBSITE: www.principal.com
Financial Analyst® (CFA®)from
charter holder, as University
well as a Certified Financial Planner™
Finance and English from BloomsburgFinance andofEnglish
University Pennsylvania. Bloomsburg
He is a Chartered of Pennsylvania. He is a Chartered
(CFP™) designee.
Financial He was
Analyst® honorably
(CFA®) discharged
charter from
holder, as wellthe
asUnited States
a Certified Marine Corps
Financial Planner™
Financial Analyst® (CFA®) charter holder, as well as a Certified Financial Planner™
after serving
(CFP™) four years
designee. inwas
the infantry anddischarged
as a scout sniper.
(CFP™) designee. He was honorably discharged from theHe United honorably
States Marine Corps from the United States Marine Corps
after serving four years in the infantryafter
and serving four
as a scout years in the infantry and as a scout sniper.
sniper.
Courtney Sindelar, CPFA, Senior Plan Advisor
Courtney Sindelar, CPFA, Senior PlanCourtney
Advisor Sindelar, CPFA, Senior Plan Advisor
Courtney provides plan consultation and investment advisory services to her clients.
Her goal is to ensure each client maintains a strong retirement program that
Courtney provides plan consultation and investment
Courtney providesadvisory
plan services to herand
consultation clients.
investment advisory services to her clients.
empowers their employees to retire on time and with an adequate retirement benefit.
Her goal is to ensure each client maintains
Her a strong
goal is to retirement
ensure eachprogram
client that
maintains a strong retirement program that
Courtney was named one of NAPA’s (National Association of Plan Advisors) Top
empowers their employees to retire on time
empowers and with
their an adequate retirement benefit.
Women Advisors for employees
2018 as welltoasretire
beingon timeone
named andofwith
the an adequate
TOP100 retirement
Retirement Plan benefit.
Courtney was named one of NAPA’s (National
Courtney Association of Plan Advisors) Top
was named one of NAPA’s (National Association of Plan Advisors) Top
Advisors for 2018.
Women Advisors for 2018 as well as being named one of the TOP100 Retirement Plan
Women Advisors for 2018 as well as being named one of the TOP100 Retirement Plan
Johnson,
Advisors for 2018. Mirmiran & Advisors Thompson forher
2018. [ 17 ] 2020-2021 Employee Benefits
Courtney holds FINRA Series 7 and Series 66 as well as her Life and Health License.
She graduated from Eastern Michigan University with Bachelors of Sciences Dual
Courtney holds her FINRA Series 7 and Series 66 as well as her Life and Health License.ELECTION STEPS
1. Review your plan options closely
2. Make the appropriate election change(s) if applicable
PLAN OPTIONS CHANGES NO CHANGES
Carefirst Administrators BlueCross BlueShield Complete UltiPro Open
Do Nothing
Medical/Express Scripts RX Enrollment*
Complete UltiPro Open
EyeMed Vision Do Nothing
Enrollment*
Complete UltiPro Open
Delta Dental Do Nothing
Enrollment*
PayFlex Flexible Spending Account (If you are MUST re-elect each year
Complete UltiPro Open
in a Health Savings Account you can only do a
Enrollment UltiPro Open Enrollment
limited purpose FSA)
PayFlex Health Savings Account (must be in Complete UltiPro Open
Do Nothing
Consumer Advantage Plan 3/1/2020) Enrollment
Supplemental Life Insurance
(Guarantee Issue Increases) Complete UltiPro Open
Do Nothing
*may require medical underwriting based on volume Enrollment
elected
Enroll online at
LifeLock Identity Theft Protection Do Nothing
www.yigenroll.com
*If you are adding new dependents not previously covered by JMT, you will be required to submit documentation proving
dependent status. Please see Human Resources for details.
*If you are waiving coverage on March 1, 2020 you will be required to submit documentation proving you have coverage
under another plan. Please see Human Resources for details.
CHANGES MUST BE MADE BY:
January 31st, 2020
CONTACT HUMAN RESOURCES:
Direct: x 7777
Outside: 443-662-4363
Email: benefits@jmt.com
Johnson, Mirmiran & Thompson [ 18 ] 2020-2021 Employee BenefitsULTIPRO OPEN ENROLLMENT
Making your Open Enrollment elections is easy with our UltiPro solution! Just follow the steps below:
1. Visit http://ultipro.jmt.com
2. Follow the prompts to login
- For login trouble, please contact Human Resources
3. From your home screen, select Menu > Myself > Open Enrollment
4. Click on the 2020 Open Enrollment Session and then simply follow the directions. If adding a dependent that is not
currently on the health care plan, you will be required to submit verification of dependent status before your elections will
be approved. The verification can be uploaded under the Employee Documents section as shown below.
ALL ELECTIONS | NEW DEPENDENT VERIFICATIONS | WAIVER OF COVERAGE DOCUMENTATION
MUST BE SUBMITTED BY END OF DAY ON JANUARY 31, 2020
Johnson, Mirmiran & Thompson [ 19 ] 2020-2021 Employee BenefitsCONTACTS For Benefits
HUMAN RESOURCES: benefits@jmt.com | 443-662-4363 | x7777
MOBILE APP
PLAN MEMBER SERVICES WEBSITE
AVAILABLE
Health Care Warrior - MyQHealth by
1-888-984-8188 www.myjmthealth.com R
Quantum Health
MEDICAL
Transparency Tool - Healthcare
1-888-984-8188 www.myjmthealth.com R
Bluebook
Blue Plan - Carefirst Administrators
BlueCross BlueShield www.myjmthealth.com
1-888-984-8188 R
Consumer Advantage Plan - Carefirst www.cfablue.com
Administrators BlueCross BlueShield
Prescription Program - Express Scripts 1-888-984-8188 www.myjmthealth.com R
JMT Scripts - CRX International Drug
1-866-488-7874 www.jmtscripts.com
Program
Telemedicine - Teladoc Health 1-800-Teladoc www.teladoc.com R
OTHER BENEFITS
Dental - Delta Dental 1-800-932-0783 www.deltadentalins.com R
Vision Care - EyeMed 1-866-939-3633 www.eyemedvisioncare.com R
Health Savings Account - PayFlex 1-844-729-3539 www.payflex.com R
Flexible Spending Account - PayFlex 1-844-729-3539 www.payflex.com R
FSA & HSA Educational Resource - https://payflex.jellyvision-
N/A
Jellyvision conversation.com
LIFE INSURANCE AND DISABILITY
Life, AD&D and Disability - Symetra 1-800-796-3872 www.symetra.com
ADDITIONAL BENEFITS
www.yigenroll.com
Identity Theft - LifeLock 1-800-607-9174 R
(Group ID: JMT)
www.bhsonline.com
EAP - Business Health Services 1-800-327-2251
(Username: JMT)
401(k) - Principal 1-800-986-3343 www.principal.com R
401(k) Retirement Plan Consultant -
443-578-3211 E-mail: 401KAdvisors@htfpa.com
Hightower Fiduciary Plan Advisors
Johnson, Mirmiran & Thompson [ 20 ] 2020-2021 Employee BenefitsGLOSSARY OF TERMS
This glossary contains key words that appear in this guide. These terms and definitions are intended to be educational and
may be different from the terms and definitions in your plan. Some of these terms may not have the same meaning when
used in your policy or plan, and in any such case, the policy or plan governs. (See your Summary of Benefits and Coverage
for information regarding how to get a copy of your policy or plan document.)
ALLOWED BENEFIT EVIDENCE OF INSURABILITY
The amount established for payment of covered in- A questionnaire that insurance companies use to
network services. The Allowed Benefit will generally be ask about the health of a participant. Depending on
lower than the amount charged. You are responsible for the responses, this may lead to the requirement of a
copayments, coinsurance and all charges that exceed physical exam. These forms are often used if you apply
the Allowed Benefit for services received out-of-network. for voluntary benefits outside of your initial eligibility
This is called balance billing. period or if you apply for a coverage amount above the
Guaranteed Issue amount.
BALANCE BILLING
When a provider bills you for the difference between GUARANTEED ISSUE
the provider’s charge and the carrier’s discounted price The amount of coverage (benefit) the insurance company
(“Allowed Benefit”). For example, if the provider’s charge is willing to provide regardless of your health. Guaranteed
is $100 and the allowed benefit is $70, the provider may Issue only applies if you enroll in the program when you
bill you for the remaining $30. An in-network provider are first eligible for coverage.
may not balance bill for the difference between their
charge and the Allowed Benefit.
MAIL ORDER
A benefit that allows you to receive multiple months’
COINSURANCE worth of maintenance medication by mail.
The portion of the cost of covered medical services paid
by the patient under a health plan, after first meeting any
applicable plan deductible. Coinsurance amounts, which OUT-OF-POCKET MAXIMUM
are typically a percentage of the cost, may vary by type The limit on the amount an individual is required to pay for
of service. Coinsurance requirements are specified in the health care services covered by his or her benefits plan.
plan documents. Look for this information in insurance plan documents
such as your Certificate of Coverage.
COPAYMENT
A set dollar amount or portion that you pay for your PRE-CERTIFICATION
medical services. Usually, copays start after you first pay Sometimes called “preauthorization,” this refers to the
any deductible your plan has. Copays may differ by type process through which a patient obtains authorization
of service. You can find your copay rules in your plan to receive a particular health care service. It establishes
documents. what the plan is willing to pay for the medical services in
question, but it is important to note that pre-certification
does not guarantee coverage. Our health plan requires
DEDUCTIBLE pre-certification for certain services before you receive
A fixed dollar amount during the benefit period - usually a them.
year - that an insured person pays before the insurer starts
to make payments for covered medical services. Plans
may have both per individual and family deductibles.
Johnson, Mirmiran & Thompson [ 21 ] 2020-2021 Employee BenefitsNOTES Johnson, Mirmiran & Thompson [ 22 ] 2020-2021 Employee Benefits
COST WORKSHEET COMPARISON
JMT CONSUMER OTHER
IN-NETWORK JMT BLUE PLAN
ADVANTAGE PLAN (ie: Spouse plan)
1) Plan Year Premium
2) Annual Non-Wellness
Premium (if applicable)
$750 / Individual $1,500 / Individual
3) Annual Deductible
$1,500 / Family $3,000 / Family
4) Co-insurance 80/20% 90/10%
$2,500 / Individual $3,000 / Individual (-$1,200)
5) Out-of-Pocket Max*
$5,000 / Family $6,000 /Family Waiver Credit
Add lines 1, 2 & 5 here $ $ $
PLAN ADVANTAGES
Can contribute to a
R
Health Care FSA
Can contribute to a
R
Limited Purpose FSA
Can contribute to an
R
HSA
Waiver Credit from JMT R $1,200
* Out-of-pocket Maximum should include all copays, deductibles and co-insurance.
Johnson, Mirmiran & Thompson [ 23 ] 2020-2021 Employee BenefitsPlease Note: This booklet provides a summary of the benefits available, but this is not your Summary Plan Description (SPD). The Company reserves the right to
modify, amend, suspend, or terminate any plan at any time, and for any reason without prior notification. The plans described in this book are governed by insurance
contracts and plan documents, which are available for examination upon request. We have attempted to make the explanations of the plans in this booklet as
accurate as possible. However, should there be a discrepancy between this booklet and the provisions of the insurance contracts or plan documents, the provisions
of the insurance contracts or plan documents will govern. In addition, you should not rely on any oral descriptions of these plans, since the written descriptions in
the insurance contracts or plan documents will always govern.
JMT’S BENEFITS CONSULTANT:You can also read
