2017 open enrollment - smartben · pdf file2017 open enrollment ... • enroll online...

2017 Open Enrollment

November 8th – November 28th

Proprietary and confidential information of Alorica

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• 2017 Benefits Overview

• Hourly & Hourly 30 Benefit Plans

• Benefits Enrollment Process

Agenda


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• Medical: Century Healthcare MEC plans

• Dental: Cigna Dental HMO and PPO plans

• Additional Benefit Plans:

• UHC Vision

• Unum Voluntary STD & LTD

• Unum Voluntary Life and AD&D

• Unum Accident, Critical Illness & Whole Life

• Commuter Benefits

• Liberty Mutual Auto & Property

• Pet Assure

• Hourly 30 Benefit Plans:

• Medical: United Healthcare (UHC) PPO, HRA and HSA plans

• Flexible Spending Accounts

2017 Benefits Overview

Hourly Employees


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• There are a number of changes to your 2017 benefit plans, so please review all of your options during open enrollment

• Review your Employee Benefit Guide for plan details

• Enroll online through SmartBen enrollment system

• Review the additional plan materials posted online within SmartBen

• Elections during this enrollment period will be effective January 1, 2017 through December 31, 2017

• You cannot make changes during the plan year unless you experience a qualified life event (i.e. marriage, birth of a child, loss of coverage, etc.)

2017 Benefits Overview

Hourly Benefit Plans


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• Covers all of the preventative services required by ACA

• In-network services are covered at 100%

• Non-network providers are not covered

• Once a diagnosis has been made, the services are not covered

• Meets the ACA individual mandate requirement to avoid the individual tax penalty

MEC Basic Plan

Offered through Century Healthcare


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• Two options to choose: MEC Plus Value or MEC Plus Select

• Both options are limited plans that cover preventative services and additional indemnity benefits

• Pays fixed dollar amounts

• No copays, deductibles or coinsurance (except for Rx)

• Meets the ACA individual mandate requirement to avoid the individual tax penalty

MEC Plus Plan Options

Offered through Century Healthcare


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Plan Benefits MEC Plus Value MEC Plus Select

Office Visits Pays $60 per day (5 days) Pays $75 per day (7 days)

Lab Tests Pays $70 per day (2 days) Pays $100 per day (2 days)

Outpatient Radiology Pays $70 per day (1 day) Pays $100 per day (1 day)

First Hospital Confinement Day 1: Pays $500 Day 1: Pays $800

Inpatient Hospital CarePays $350 per day

(Max of 7 days)Pays $550 per day

(Max of 7 days)

Prescription Drugs

Participant pays:• $10 copay Most Generics • $50 copay or 50% (whichever is greater) for Some Generics & Preferred/Formulary

Brand Name• 100% after pharmacy discounts for Non-Preferred Brand/Non-Formulary Brand

Name

Rx Monthly Max Benefit $100 Employee/$200 Family

Preventative Care 100% Covered in-network 100% Covered in-network

MEC – Plan Comparisons

Coverage through Century Healthcare


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• Critical Illness

• Offsets financial effects of catastrophic illness with a lump sum benefit

• Also available for spouse/RDP and children

• Accident Insurance

• Helps with uncovered medical costs due to qualified accident


• Whole Life

• Accumulates cash value

• Permanent insurance benefit


Voluntary Benefits

Offered Through Unum


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• Dental HMO

• Must use a primary dentist from the Cigna network

• No deductible or annual benefit maximum

• Orthodontics for both children and adults (lifetime maximums apply)

• Dental PPO

• Can use an in-network or out-of-network dentist

• $50 annual deductible (waived for preventative services)

• Annual maximum is $1,500 per person

• Orthodontics for both children and adults (lifetime maximums apply)

Dental Plans

Coverage offered through Cigna


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Dental – Plan Comparisons

Coverage offered through Cigna

Plan Benefits Cigna Dental HMOCigna Dental PPO

In-Network Out-of-Network

Deductible None $50 per person $50 per person

Benefit Maximum Unlimited $1,500 per person

Diagnostic & Preventive No Charge0%

Deductible waived10%

Deductible waived

Basic Copay vary (see schedule)20%

After deductible30%

After deductible

Major Copay vary (see schedule)50%

After deductible60%

After deductible

Orthodontia$1,800 Child$2,400 Adult

50%$1,500 lifetime max

50%$1,500 lifetime max


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• Can use either an in-network or out-of-network provider

• No annual deductible

• Well vision exam is $10 copay (in-network) or $50 allowance (out-of-network) every 12 months

• Frames have a $150 allowance (in-network) or $70 allowance (out-of-network) every 24 months

• Lenses have a $25 copay (in-network) or plan allowance (out-of-network)

• Contact lens care is a $150 allowance every 12 months (in lieu of frames & lenses)

Vision Plan

Coverage through UHC Vision (Spectera network)


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• Voluntary Short Term Disability (STD)*

• Option 1: Benefits begin on 1st day of injury and on 8th day for sickness. Maximum benefit of $1,500 for up to 26 weeks.

• Option 2: Benefits begin on 15th day of sickness or injury. Maximum benefit is $1,500 for up to 24 weeks.

• Both options provides benefit up to 60% of weekly earnings

- Employees residing in California, Hawaii, New Jersey, New York, Puerto Rico or Rhode Island will have a benefit up to 40% of weekly earnings

• Voluntary Long Term Disability (LTD)*

• Provides 60% of monthly earnings to a maximum of $10,000

• Must be disabled for 180 days due to sickness or injury

*Policies contain pre-existing condition limitations

Voluntary Disability Benefits

Offered through Unum


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• Employee

• Increments of $10,000 up to 5x Basic Annual Earnings (maximum of $1,000,000)

• During this initial open enrollment, employees can purchase up to $350,000 with no medical underwriting

• Spouse/Registered Domestic Partner (RDP)

• Increments of $5,000 (up to max of $500,00) not to exceed 100% of employee’s Life amount

• During this initial open enrollment, you may purchase up to $50,000 with no medical underwriting

• Children

• Increments of $2,000 (up to max of $10,000)

• Premium payment is based on one child, regardless of number of children with coverage

Voluntary Term Life / AD&D

Offered Through Unum


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• Set aside funds through payroll deduction to pay for work-related transportation and/or parking expenses

• Mass Transit/Vanpool• $255 maximum monthly pre-tax contribution• Bus, train or rail systems used to commute to work

• Parking• $255 maximum monthly pre-tax contribution• Commute to work by car and pay to park• Commute to work via mass transit and pay to park at or near mass transit site

• Employees can change their elected contribution amount on a monthly basis

Commuter Benefits

Administered by Discovery Benefits


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• Auto & Property Insurance

• Through Liberty Mutual – visit www.libertymutual.com/alorica or call (800) 524-9400

• Receive discounted group rates on insurance for Homeowners, Renters, Automobiles and Additional Property

• Pet Assure

• Discounted pet care

• No deductibles or maximum number of claims per year

• PETPlus Plan

• Wholesale pricing club for pet prescriptions and preventatives

• Includes Ask-A-Vet service

Additional Voluntary Benefits

http://www.libertymutual.com/alorica

Hourly 30 Benefit Plans


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• Three additional medical options through UnitedHealthcare (UHC):

• UHC PPO Plan

• UHC Health Reimbursement Account Plan (HRA)

• UHC Health Savings Account Plan (HSA)

• In addition to the three options through Century Healthcare:

• MEC Basic

• MEC Plus Value

• MEC Plus Select

Medical Plans

Hourly 30 Employees only


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Plan Benefits UHC PPO UHC HRA UHC HSA

In-Network Out-of-Network In-Network Out-of-Network In-Network Out-of-Network

IndividualDeductible

$1,250 $2,500 $2,250 $4,000 $5,000 $10,000

Family Deductible

$2,500 $5,000 $4,500 $8,000 $10,000 $20,000

IndividualOOP Max

$5,000 $10,000 $5,000 $10,000 $6,350 $12,700

Family OOP Max

$10,000 $20,000 $10,000 $20,000 $12,700 $25,400

Coinsurance %After Plan Ded.

Plan Pays 80% Plan Pays 50% Plan Pays 75% Plan Pays 60% Plan Pays 70% Plan Pays 50%

PCP Office Visit $30/visit 50% after ded 25% after ded 40% after ded 30% after ded 50% after ded

Specialist OfficeVisit

$40/visit 50% after ded 25% after ded 40% after ded 30% after ded 50% after ded

Preventative Care

No charge,ded waived

Covered in-network only





UHC – Plan Comparisons



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Plan Benefits UHC PPO UHC HRAUHC HSA

(after Medical deductible is met)

Provided byExpress Scripts

In-Network Out-of-Network In-Network Out-of-Network In-Network Out-of-Network

Retail (30-day supply)

Generic $15 $15 $10 $10 $10 $10

Preferred Brand $30 $30 $30 $30 $35 $35

Non-Preferred Brand

$50 $50 $50 $50 $60 $60

Mail Order (90-day supply)

Generic $30


$25


$25

Covered in-network onlyPreferred Brand $60 $75 $87.50

Non-Preferred Brand

$100 $125 $150

UHC – Prescription Drug Coverage



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• Employer-funded account

• $500 for Individual coverage

• $1,000 for Family coverage

• Use to pay eligible healthcare expenses during the plan year

• Funds rollover to the next year if you enroll in the Plan again

• Maximum amount you may have in account is $4,000

• If you discontinue or terminate coverage, HRA fund account is forfeited

Health Reimbursement Account (HRA)



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• Employee-funded account through Optum Bank

• HSA fund is used to pay eligible healthcare related expenses

• Money you contribute remains in your account, even if you leave the company

• 2017 HSA Contribution Limits

• $3,400 for individual coverage

• $6,750 for family coverage

- $1,000 catch-up for participants age 55 or older

Health Savings Account (HSA)



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• General Purpose Health Care Account

• Can’t participate if contributing to an HSA

• $2,600 maximum limit per plan year

• Limited Purpose Health Care Account

• Those participating in an HSA

• Eligible expenses limited to dental & vision

• $2,600 maximum limit per plan year

• Dependent Care Account

• Childcare, elder care, or other dependent care services

• $5,000 household maximum limit per calendar year (or $2,500 if married & filing separately)

Flexible Spending Accounts


Benefits Enrollment Process


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• Enrollment continues through Monday, November 28th

• Enroll online at https://enroll.smartben.com/

• Username is 1st initial of first name, last name and last four digits of Social Security number

• Password last six digits of Social Security number

- Example Username: jsmith6789

- Example Password: 456789

• Review your Employee Benefit Guide for more detailed instructions

• For technical support with the online enrollment process, contact the Employee Benefit Resource Center at

• (877) 801-7928 or

• [email protected]

• Monday – Friday: 8am to 8pm Eastern Time

Benefits Enrollment Process

https://enroll.smartben.com/

mailto:[email protected]

2017 open enrollment - smartben · pdf file2017 open enrollment ... • enroll online...

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