Downtown College Prep Open Enrollment 2019-20 - Strive
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DCP prepares first-generation students for college success. Downtown College Prep Open Enrollment 2019-20
Agenda
▪ Open Enrollment Details
▪ Benefits Program Overview
▪ Next Steps
▪ Reminders
2
What is Changing in 2019-20
▪ Kaiser DHMO $500 & $1500
plans: Changes to Complex
Lab/X-Ray (CT, PET, MRI, etc.)
▪ Slight changes to employee
contributions
3
When you enroll, an account will be created for you
at Avidia Bank and you’ll have access to a secure, Navia 3-digit code: DCP
easy-to-use web portal where you can track your
account balance, view your investment accounts and Rather than filing a claim and waiting for
submit requests for reimbursements. You’ll get a reimbursement, you can use the Navia Benefits
convenient Navia Benefits Card that makes it easy to
Card to pay your provider directly for qualified
access your funds. You MUST open your account expenses. In addition, you’ll receive a Navia
with Avidia Bank in order to receive DCP’s funding
Benefits Card to make it easy to access the
of $1,000.
money in your HSA. The Navia Benefits Card
contains the value of your HSA amount, and
you can use it to pay for qualified medical
expenses not covered by your health
insurance. When you use the Navia Benefits
Card, the cost of your eligible expenses will be
automatically deducted from your account and
you won’t have to routinely submit receipts to
verify the purchase. Just swipe and go. It’s that
4
easy!
Your 2019-20 Per Pay Period Contribution
(Semi-monthly; based on 12-month pay schedule)
EE + EE + EE +
EE only
Spouse Child(ren) Family
Kaiser Base H.S.A. $0.00 $36.32 $30.27 $60.54
Kaiser DHMO $500 $60.86 $221.51 $194.74 $328.62
Kaiser DHMO $1500 $33.97 $156.25 $135.87 $237.77
Cigna Dental - Core $0.00 $18.50 $19.80 $34.48
Cigna Dental – Buy-up $9.22 $36.52 $38.42 $59.78
Superior Vision – Core $0.00 $2.46 $3.31 $6.39
(no change)
Superior Vision – Buy-up $2.16 $6.59 $8.12 $13.65
(no change)
5
2019 Open Enrollment Presentation for Downtown College Prep Healthy together Care and coverage that fits your life
Key Terms
Deductible
The amount you pay each year before your plan starts to pay. For family coverage, each individual
just needs to meet the individual deductible for himself.
Copay
A flat fee you pay for covered services like doctor visits
Coinsurance
Your share of health plan costs (a percentage of total cost) after meeting
your deductible
Out-of-pocket maximum
The most you have to pay out-of-pocket each year for health care services. Your deductible is part of
your Out-of-Pocket maximum. For family coverage, each individual just needs to meet the individual
Out-of-Pocket maximum for himself.
Premium
The amount you pay to belong to a health plan
7 | © Kaiser Permanente. All Rights Reserved.
Kaiser Permanente See how our care and coverage can help you thrive
Deductible HMO - HSA
This table shows some benefits of your group and is provided as an example only:
Yearly deductible $2000 individual (family of 1) / $2700 family (each member
in a family of two or more) / $4000 family (entire family of
two or more members)
Maximum yearly out-of-pocket costs $3000 individual / $3,000 individual in family / $6000 family
Covered service You pay
Preventive care $0 copay
Doctor ’s office visit $30 copay after plan deductible
Lab tests and radiology $10 copay per encounter after plan deductible
Outpatient surgery $150 copay per procedure after plan deductible
Hospitalization $250 copay per admission after plan deductible
Emergency care $100 copay per visit after plan deductible
Prescribed medications (30-day supply) $10 copay (generic medication) / $30 copay (brand name
medication)
Prescriptions are covered after plan deductible
*This is a summary of some benefits and their copays and coinsurance. For specific information about your covered health plan benefits, limitations, and
exclusions, including those not listed in this summary, please see your Evidence of Coverage.
Copyright ©2018 Kaiser Permanente.
Health Savings Account - How Does it Work?
• Pre-tax money to help pay for your covered medical expenses
• Contribution by DCP for employee and family coverage
• Unused HSA funds roll over from year to year and are yours to keep
• HSA earns interest
• HSA funds can be invested
• HSA Managed by Navia Benefit Solutions
DCP Annual HSA Funding EE Annual HSA Funding 2019 Max HSA Funding
Employee $1,000 $2,500 $3,500
Family $1,000 $6,000 $7,000
9 | © Kaiser Permanente. All Rights Reserved.
HSA and Kaiser High Deductible Health Plan 10 | © Kaiser Permanente. All Rights Reserved.
Paying for care
▪ When you check in for your visit, you will be asked to make a payment. You can use
funds in your HSA to make this payment for yourself or your dependents by use.
▪ You can use your Debit Card to make a payment. The charges will automatically be
deducted from your account.
Payment is a portion of the full charges for the
expected service. You will be billed for the full amount
Before you reach
after the visit and the amount will count toward your
your deductible deductible and out-of-pocket maximum.
After you reach Payment is just a copay or coinsurance, and will count
your deductible toward your out-of-pocket maximum.
You will get a bill after your visit if:
▪ Your payment at check-in didn’t cover the full amount you owe for the services you
received during your visit.
▪ You received additional services during your visit.
© Kaiser Permanente. All Rights Reserved.Examples of qualified medical expenses* You can use the funds in your HSA to pay for qualified medical, dental and vision expenses, which may include: ▪ copays, coinsurance, and deductible payments ▪ hospital visits ▪ nonpreventive office visits with your personal physician specialists ▪ X-rays, MRIs, CT scans, PET scans, and lab tests ▪ physical, occupational, and speech therapy visits ▪ Emergency Department visits ▪ prescription drugs (generic and brand name) *To view the list of qualified medical expenses defined under Internal Revenue Code Section 213(d), download IRS Publication 502, Medical and Dental Expenses, at irs.gov/publications.
Online Financial Management Tools © Kaiser Permanente. All Rights Reserved.
Single HSA Example – Low User (In-Network)
Mr. Smith - $650 in annual expenses
Preventive care - $100, 2 Office visits - $200, 2 Lab tests (outpatient) - $150, Prescription drugs - $200 (1 Generic, 2 Brand)
Kaiser HSA $30/$2,000
DCP HSA Contribution $1,000
Annual Deductible $2,000 individual
Out-of-Pocket Maximum $3,000 (includes deductible)
Kaiser Pays Mr. Smith Pays
Annual HSA Contributions N/A $0
Preventive care paid @ 100% $100 $0
Office Visits $0 $200
Lab Tests $0 $150
Prescription Drug $0 $200
$550
Total Paid Out of Pocket $100
$550 by DCP & $0 by EE
HSA Balance N/A $450
© Kaiser Permanente. All Rights Reserved.Family HSA Example – Low User (In-Network)
Jones Family - $1,250 in annual expenses
Preventive care - $400, 3 Office visits - $300, 4 Lab tests (outpatient) - $250, Prescription drugs - $300 (3 @ Generic, 3 @ Brand)
Kaiser HSA $30/$2,000
DCP HSA Contribution $1,000
Annual Deductible $4,000 family ($2,700 for any one member of family)
Out-of-Pocket Maximum $6,000 family
(includes deductible)
Kaiser Pays Jones Family Pays
Annual HSA Contributions N/A $0
Preventive care paid @ 100% $400 $0
Office Visits $0 $300
Lab Tests $0 $250
Prescription Drug $0 $300
$850
Total Paid Out of Pocket $400
$850 by DCP & $0 by EE
HSA Balance N/A $150
© Kaiser Permanente. All Rights Reserved.Single HSA Example – High User (In-Network)
Mr. Miller - $5,350 in annual expenses
Preventive care - $100, 5 Office visits - $500, 2 Lab tests (outpatient) - $250, Outpatient surgery - $4,000, Prescription drugs - $500 (5
@ Generic, 4 @ Brand)
Kaiser HAS $30/$2,000
DCP HSA Contribution $1,000
Annual Deductible $2,000
Out-of-Pocket Maximum $3,000 (includes deductible)
Kaiser Pays Mr. Miller Pays
Annual HSA Contributions N/A $0
Preventive care paid @ 100% $100 $0
Office Visits $0 $500
Lab Tests $0 $250
Prescription Drug $0 $500
$900
Outpatient Surgery $3,100
(deductible + $150)
$2,150
Total Paid Out of Pocket $3,200
$1,000 by DCP & $1,150 by EE
$0 (unless employee also
HSA Balance N/A
contributes)
© Kaiser Permanente. All Rights Reserved.Kaiser Permanente See how our care and coverage can help you thrive
Deductible HMO - $10 Copay
This table shows some benefits of your group and is provided as an example only:
Yearly deductible $500 individual / $500 individual in family / $1000 family
Maximum yearly out-of-pocket costs $3000 individual / $3000 individual in family / $6000 family
Covered service You pay
Preventive care $0 copay
Doctor ’s office visit $10 copay per visit
Lab tests and radiology $10 copay per encounter after plan deductible*
Outpatient surgery 10% coinsurance after plan deductible*
Hospitalization 10% coinsurance after plan deductible*
Emergency care 10% coinsurance after plan deductible*
Prescribed medications (30-day supply) $10 copay (generic medication) / $30 copay (brand name
medication)
*This is a summary of some benefits and their copays and coinsurance. For specific information about your covered health plan benefits, limitations, and
exclusions, including those not listed in this summary, please see your Evidence of Coverage.
Copyright ©2018 Kaiser Permanente.Kaiser Permanente See how our care and coverage can help you thrive
Deductible HMO - $20 Copay
This table shows some benefits of your group and is provided as an example only:
Yearly deductible $1500 individual / $1500 individual in family / $3000 family
Maximum yearly out-of-pocket costs $4000 individual / $4000 individual in family / $8000 family
Covered service You pay
Preventive care $0 copay
Doctor ’s office visit $20 copay per visit
Lab tests and radiology $10 copay per encounter
Outpatient surgery 20% coinsurance after plan deductible*
Hospitalization 20% coinsurance after plan deductible*
Emergency care 20% coinsurance after plan deductible*
Prescribed medications (30-day supply) $10 copay (generic medication) / $30 copay (brand name
medication) 20% Coinsurance (not to exceed $150) specialty
medication
*This is a summary of some benefits and their copays and coinsurance. For specific information about your covered health plan benefits, limitations, and
exclusions, including those not listed in this summary, please see your Evidence of Coverage.
Copyright ©2018 Kaiser Permanente.Deductible HMO Plan – How it Works
How it works:
- You pay a copay for doctors’ visits and services performed during visits
- You pay coinsurance for most other services, such as outpatient surgery, hospital care or specialized tests
after the plan deductible
- Once you reach the annual out-of-pocket maximum, the plan pays 100% of any remaining covered expenses,
excluding copays
• Many costs are predictable • No out-of-network benefits
• Your out-of-pocket costs are typically lower • Referrals needed to see specialists
when you use care • More limited choice of doctors and facilities
19 | © Kaiser Permanente. All Rights Reserved.Kaiser Permanente See how our care and coverage can help you thrive
Why Kaiser Permanente?
Quality care with Your care, Care away Care and coverage
you at the center your way from home built around you
Great care, World-class Healthy Manage your care
great results specialty care resources anytime, anywhere
Copyright ©2018 Kaiser Permanente.Kaiser Permanente See how our care and coverage can help you thrive
Your care, your way
Visit your Save yourself a
doctor at your trip to the
local facility. doctor’s office
with a telephone
appointment.*
Meet face to Schedule
face with your appointments
doctor online.* and get 24/7
medical advice
by phone.
Email your
doctor’s office Schedule
anytime at appointments
kp.org. and get 24/7
medical advice
by phone.
*Where available and for certain medical conditions.
Copyright ©2018 Kaiser Permanente.Kaiser Permanente See how our care and coverage can help you thrive
Manage your care anytime, anywhere
At kp.org or with the Kaiser Permanente app, you can stay on top of your care 24/7:1
• Schedule and cancel routine
appointments
• Refill most prescriptions
• Choose your doctor and
change anytime
• View most lab test results
• Email your doctor’s office
with nonurgent questions
• Manage your coverage
and estimate costs2
• View and pay bills
• Manage a family member’s
1Available
health care3
when you get care at Kaiser Permanente facilities.
2These tools are not yet available on smartphones and tablets.
3Due to privacy laws, certain features may not be available when they are being accessed on behalf of a child 18 or younger,
and your child’s physician may be prevented from disclosing certain information to you without your child’s consent.
Copyright ©2018 Kaiser Permanente.Kaiser Permanente See how our care and coverage can help you thrive
Care away from home
Copyright ©2018 Kaiser Permanente.Kaiser Permanente See how our care and coverage can help you thrive
Healthy resources
• Personal wellness coaching
• Healthy lifestyle programs
• On-site health education classes
and support groups1
• Online videos, podcasts, recipes,
and more
• Reduced rates on health products
and services (for example, gym
memberships)
• Seasonal farmers markets2
kp.org/choosehealthy
1Classes vary at each location and some may require a fee.
2Not available in all areas.
Copyright ©2018 Kaiser Permanente.DOWNTOWN COLLEGE PREP Plan year: 9/1/2019 Offered by Cigna Health and Life Insurance Company, Connecticut General Life Insurance Company, or their affiliates.
DPPO
Dental Benefit Comparison In- and
out-of-network
coverageDPPO
Using your plan
In- and
out-of-network
coverage
• Choose a licensed dentist. NOTE: If you select a Total Cigna DPPO dentist
from our directory, you will typically spend less
• No ID card needed
• No referral needed to visit a specialist DPPO NETWORK DENTISTS
• Most Total Cigna DPPO dentists will
Greater savings on covered procedures
submit claims for you. Your plan will then
pay the dentist or you (based on the
claim form)
• The amount your plan pays depends on:
– The coinsurance level for the service
you received
– Which dentist you visit
– If you’ve paid your deductible and/or
reached your maximum
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2017 CignaIT’S EASY TO FIND A NETWORK DENTIST OR SPECIALIST
You can find a network dentist from the online directory on Cigna.com
> Go to Cigna.com, click on “Find a Doctor” at the top of the screen.
> Then, choose a Directory by
clicking on the “If Your Insurance
Plan is Offered through Work or
School” option.
> Next, click on “Find a…Dentist.”
> Enter SEARCH LOCATION – city, state or zip code.
> SELECT A PLAN by clicking on the Pick drop down icon and selecting:
> PPO - “Cigna Dental PPO or EPO” under the Dental Plans section. Then press
choose. Look for dentists who are "Cigna DPPO Advantage" on the search results page.
Seeing a Cigna DPPO Advantage dentist may provide a better benefit level with greater
savings.MyCigna.com Mobile site and app deliver
health information on the go
• All customers can access Features:
myCigna via mobile device using • Find a doctor, dentist, pharmacy or facility
internet browser • View, print, and email ID card information
• myCigna mobile app available • Search and view claims
• Drug search
• View plan coverage and authorizations
• Organize and manage personal health
information with the Health Wallet
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2017 CignaReliable and Personal Service Once your Enrolled
Call us anytime, Find all of your Mobile site and
day or night information when you myCigna.com app deliver
need it at information on the go
http://www.mycigna.com/
• Customer Service and Health
Information Line are 24/7/365 • Coverage details • All customers can access
• We speak your language • Claim information and history myCigna via mobile device
using internet browser
• Directory of doctors, hospitals,
• myCigna mobile app for iOS
facilities
and Android devices
1.866.494.2111 • Print a temporary ID card or
order a new ID card
• Cost of care and quality
comparison tools
• Health information and tools
• Frequently asked questions
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2017 CignaHelping you stay healthy
Cigna Healthy Rewards®*
Discounts on a full • Fitness club memberships
range of health and
• Smoking cessation programs
wellness programs
and services • Eye care – exams, frames and lenses, laser vision correction
• Weight management – Jenny Craig®
• Hearing care
• Alternative medicine – acupuncture, chiropractic care,
massage therapy
• Mind/body – positive mental visualization and relaxation techniques
to help you to lose weight, reduce stress, quit smoking, reduce pain,
prepare for surgery or even cope with chronic illness
*Healthy Rewards is a discount program and is separate from your dental benefits. If your plan includes coverage for any of the services offered through Healthy Rewards,
this program is in addition to, not instead of, your plan benefits. Some Healthy Rewards programs are not available in all states and may be discontinued at any time.
A discount program is NOT insurance, and you must pay the entire discounted charge.
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2017 CignaTWO SUPERIOR VISION PLAN OPTIONS
Two Plan Options: Low Plan and High Plan
• Review the Differences:
• Copays
• Frequency of services
• AllowancesSUPERIOR SOLUTIONS
Core Plan Buy Up Plan
Co-Pays Co-Pays
Exam $20 Exam $10
Eyewear1 $20 Eyewear1 $ 0
Contact Lens Fitting $30 Contact Lens Fitting $15
Services/Frequency (based on date of service) Services/Frequency (based on date of service)
Exam 12 months Exam 12 months
Frame 12 months Frame 12 months
Contact Lens Fitting 12 months Contact Lens Fitting 12 months
Lenses 12 months Lenses 12 months
Contact Lenses 12 months Contact Lenses 12 months
1Eyewear copay applies to lenses and frames only, not contact lenses
The Superior Vision Plan is underwritten by National Guardian Life Insurance Company. National Guardian Life Insurance Company is not affiliated with The Guardian Life
Insurance Company of America, a/k/a The Guardian or Guardian Life.SUPERIOR SOLUTIONS cont.
Core Plan Buy Up Plan
In-Network Out-of-Network In-Network Out-of-Network
Exam (Ophthalmologist) Covered in full Up to $40 retail Covered in full Up to $40 retail
Exam (Optometrist) Covered in full Up to $30 retail Covered in full Up to $30 retail
Frames $150 retail allowance Up to $72 retail $200 retail allowance Up to $96 retail
Contact Lens Fitting (standard) Covered in full Not covered Covered in full Not covered
Contact Lens Fitting (specialty1) $50 retail allowance Not covered $50 retail allowance Not covered
Lenses (standard) per pair
Single Vision Covered in full Up to $32 retail Covered in full Up to $32 retail
Bifocal Covered in full Up to $42 retail Covered in full Up to $42 retail
Trifocal Covered in full Up to $58 retail Covered in full Up to $58 retail
Progressive Up to Provider’s Lined Up to $58 retail Up to Provider’s Lined Up to $58 retail
Trifocal Level Trifocal Level
Polycarbonate Covered in full Not covered Covered in full Not covered
- children to age 19
Contact Lenses2 $150 retail allowance Up to $100 retail $200 retail allowance Up to $100 retail
1The specialty contact lens fitting is for new contact lens wearers and/or a member who wears toric, gas permeable or multifocal lenses.
2Contact lenses are in lieu of eyeglass lenses and frame benefit.
The Superior Vision Plan is underwritten by National Guardian Life Insurance Company. National Guardian Life Insurance Company is not affiliated with The Guardian Life
Insurance Company of America, a/k/a The Guardian or Guardian Life.In-Network Benefits
Receive your
Identify yourself services and pay
to your in-network any applicable co-
Provider submits
provider Provider verifies pay, upgrades,
all claims to
eligibility and amounts over
(card helpful, but Superior Vision
the retail
not required) allowances to the
providerUnrivaled Retail Chain Coverage
National Regional
America’s Best Contacts and Eyeglasses Berkeley Eye Center
Cohen's Fashion Optical Campbell Cunningham & Taylor
Doctor’s Vision Center Costco
Eyeglass World Crown Optical
Eyeland Dr. Tavel’s Family Eye Care
EyeMart Express Eye Care Associates
For Eyes Optical Eyecarecenter
JCPenney Optical EyeMasters
LensCrafters Longe Optical
Master Eye Associates Midwest Vision Centers
Pearle Vision Nationwide Vision
Sam’s Club Optical H. Rubin Vision Centers
Sears Optical SVS Vision
Shopko Vision Schaeffer Eye Center
Sterling Optical Site for Sore Eyes
Target Optical Texas State Optical
Wal-Mart Vision Center Today’s Vision
Visionworks VisionFirst
Vision Sourcewww.superiorvision.com –Benefits and plan design –Order/print duplicate ID cards –Verify member and family coverage –Search provider listings and print maps –Download forms –Email link for requests and messages
Group Life/AD&D Insurance * Downtown College Preparatory
Group Life and Accidental Death & Dismemberment
Insurance
All Active Full-Time Employees
Premium Contribution 100% Employer-Paid
Minimum Work Hours 30 hours each week
Maximum Benefit 1 times annual salary, to a
maximum of $200,000
Minimum Benefit $10,000
*The cost of premium for the amount of life insurance exceeding $50,000 will be considered imputed income and will be taxed
according to IRS Table 1 ratesShort Term Disability Insurance
All Active Full-Time Employees
Premium Contribution 100% Employer-Paid
Minimum Work Hours 30 hours each week
Maximum Weekly 60% of your weekly covered
Benefit salary, to a maximum benefit of
$1,154 per week
Minimum Weekly $25
Benefit
STD Elimination Period 7 days for Accidents
7 days for Sickness
STD Maximum Duration 25 weeksLong Term Disability Insurance
All Active Full-Time Employees
Premium Contributions 100% Employer-Paid
Minimum Work Hours 30 hours each week
Maximum Monthly 60% of monthly covered salary, to a
Benefit maximum benefit of $5,000 per month
LTD Elimination Period 180 Days
LTD Maximum Duration Social Security Normal Retirement AgeThe Hartford Life Essentials & Value-Added Services
Services to enhance and simplify life
Life Services Disability Services Voluntary Services
• Travel Assistance & • Ability Assist® Counseling • Ability Assist® Counseling
Identity Theft Protection
• Travel Assistance &
• EstateGuidance® Identity Theft Protection
Will Preparation (LTD Only)
• Funeral Concierge
• Beneficiary Assist®
Counseling
6082a NS 03/19 © 2019 The Hartford. Confidential. No part of this document may be reproduced, published or posted without the permission of The Hartford.Understanding Your EAP
And how it can improve your well-being
Presented for:
Downtown College Prep
Privileged & ConfidentialOverview
Your EAP can help you in more ways than you realize!
At no cost to you, for example, your EAP can help you and your eligible
family/household members:
• Take charge of your finances • Lose weight
• Tackle legal issues • Quit smoking
• Recover from identity theft • Get help with childcare and eldercare
• Get a referral to a counselor • Balance work and life
Who is eligible?
• You, as a an employee
• Your spouse or domestic partner
• Your dependent child or children
• Other members of your household
24 hours a day, 7 days a week
Call (800) 227-1060
Or visit members.mhn.com
Company code: dcpeap
Privileged & ConfidentialSupport
Getting the help you need is easy! Call toll-free anytime, night or day (24/7), to speak with a
clinician, get a referral or schedule a consultation. Confidential
Face-to-face • In-person sessions with an MHN network provider (over Up to 5 visits per
counseling 53,000 nationwide) incident per
• Call for a referral or find a provider online individual per
calendar year
Telephonic • For maximum convenience and anonymity Up to 5 sessions
consultation • Provided by our experienced, licensed staff clinicians per incident per
• In crisis? You can speak to a licensed clinician immediately, individual per
anytime, 24/7 calendar year
• Not urgent? Schedule an appointment
Web-video • Convenient and easy, but with a more personal touch than Up to 5 sessions
consultation traditional telephonic per incident per
• Provided by the same MHN clinicians that provide individual per
telephonic consultations calendar year
• Requires an internet connection, a web-cam and a Skype
account
• Call for an appointmentWork & Life Services Financial Services Identity Theft Recovery Services • Unlimited telephonic consultations with a • Telephonic fraud resolution personal financial coach consultations • Online articles, tools and calculators • ID theft emergency response • Tip sheets and brochures kit Legal Services Daily Living Services • In-person or telephonic consultations • Telephonic consultations • Online articles, estate planning and legal • Research and referrals to forms businesses, community Childcare & Enhanced Eldercare Services agencies and other resources • Telephonic consultations • Tips sheets and information • Confirmed-match referrals • Online resources • Online resources
Wellness Coaching Programs
• Coaching programs to help guide members with the following
– Weight Management
– Smoking Cessation
– Fitness and Exercise
– Stress Management
– Overall Lifestyle Improvement
– Lifestyle Support for Chronic Conditions
• Easy to access just call your 800 number and ask to speak to a Wellness Coach
• After initial consultation you will be provided with an 800 number for you coach and a
link to your web portal to track your program steps
• Once established coaches can be reached via telephone or instant messagingHealth & Wellness
Online Resources
Under the Wellness tab, you’ll find reliable information, health tips, a symptom
checker tool and even a healthy recipe collection.Health & Wellness
Self-Help
• Online wellbeing assessment (helps you identify possible health risks and steps
you can take to reduce them)
• Effective programs for helping with nutrition, weight management, stress,
smoking cessation and fitnessHealth & Wellness
e-Learning
• E-learning programs developed by MHN’s training specialists
• Strategies & tips you can use right away for making improvements in:
– Personal finance – Stress management
– Health and wellness – Personal developmentWe’re Here for You
24 hours a day, 7 days a week
• Call (800) 227-1060
➢ “Member services”
• Visit members.mhn.com
➢ Company code: dcpeap
Privileged & ConfidentialFlex Plans
Health Care Dependent Care
• Set aside up to $2,700 per year to pay for qualifying • Set aside up to $5,000 ($2,500 if married, filing
health care expenses (medically necessary) for you separately) per year to pay for qualifying dependent
and your eligible dependents (regardless if they are care expenses with pre-tax dollars
enrolled in your medical plan) with pre-tax dollars
• Day care expense must be for dependent children
• Some eligible expenses: office visit/Rx copays, 12 and under (unless physically/ mentally impaired)
deductibles, dental/ortho/vision expenses, and must enable you and your spouse to work,
acupuncture, chiropractic actively look for work or be a full-time student
• Note: all OTC drugs require a prescription • Eligible expenses: before/after school care, day
camps, Montessori for preschool aged children
• Some ineligible expenses: cosmetic surgery, teeth
bleaching, club memberships • Ineligible expenses: overnight camp, Kindergarten,
school tuition, childcare while you are not working,
• Pre-funded benefit, which means you have access care provided by spouse/dependent
to your full annual election amount any time during
the plan year regardless of how much you have • Reimbursement cannot exceed the account
contributed. balance (amount deducted from paycheck)
• Debit card is availableFlex Plans
Transit Parking
• Elect up to $265 per month to pay for • Elect up to $265 per month to pay for
qualifying mass transit expenses with qualifying parking expenses with pre-
pre-tax dollars tax dollars
• Pre-order your transit passes through • Set up “Monthly Direct Pay” through
www.navia.com www.navia.com
• Orders must be submitted by the 20th
of the previous month. For example,
passes for October must be ordered
by September 20th
• You can set up your order to
automatically receive your transit
passes each monthFlex Plans
Flexible Spending Account Highlights
Must enroll to participate for 2019-20
Plan Year runs September 1st – August 31st
▪ Only available to employees enrolled in Kaiser Deductible HMO plans
▪ Those enrolled in H.S.A. plan are able to submit expenses for medical, dental, and
vision through their H.S.A. fund
▪ Claims submission deadline - November 30th of the following year
▪ $500 rollover
▪ After claims run-out period (November 30th), lesser of balance in account or $500 will be
rolled over to your next plan year (2020-21)
▪ Will not impact annual election amount – for example, if elected $2,500 actual balance
could be $3,000
Use it or Lose it! – any funds remaining after November 30th will be forfeitedNext Steps
▪ If you have an HSA Medical plan, you must enroll in the
Navia managed Avidia Bank in order to receive your DCP
funding
▪ Must enroll in FSAs if want to participate in 2019-20
▪ Be sure to designate a beneficiary for life insurance
All changes need to be completed in ADP by
Monday August 26, 2018Benefits Help Call Center – Benefit Specialists
(855-730-8676 / dcpbenefits@abdanswers.com)
PROVIDER SEARCH EXPEDITED ENROLLMENT
HSA
HSA BENEFITS
PLAN REVIEW
Benefit Questions?
CLAIMS We are here to answer your
PRESCRIPTION
REVIEW
questions ASSISTANCE
a
ELIGIBILITY
b c
$ QUALIFYING LIFE EVENT
YOUR COST SHAREReminders
Open Enrollment: Monday, August 19th – Monday, August 26th
Benefits are effective September 1, 2019
You are NOT able to make any changes to your benefits mid-year,
unless you experience a qualifying status change
Qualifying status changes include:
Birth or adoption of a child
Marriage, divorce, or legal separation
Death of a spouse or a child
Change in your or your spouse’s employment
You have 31 calendar days from the qualifying event date to notify
Human Resources
Verify your deductions are correct on your 1st September
paycheckThank you!
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