march 1, 2019 - february 29, 2020 - jmt university 2019 new...johnson, mirmiran & thompson [ 3 ]...

BENEFITS GUIDEMarch 1, 2019 - February 29, 2020

Johnson, Mirmiran & Thompson [ 2 ] 2019-2020 Employee Benefits

CONTENTSINTRODUCTION

Welcome to JMT ......................................................3

UltiPro Enrollment .....................................................3

Important Information ...............................................4

Eligibility ....................................................................5

MEDICAL BENEFITSMyQHealth - Your Health Care Warrior ......................6

Healthcare Bluebook Transparency Tool ...................6

Medical Summary - Blue Plan ...................................7

Medical Summary - Consumer Advantage Plan ........7

Prescription Drug Program ........................................8

JMTScripts ...............................................................9

TelaDoc Health .........................................................9

Health Savings Account ..........................................10

CFA Value Added Services......................................11

OTHER HEALTH BENEFITSDental Plan .............................................................12

Vision Plan ..............................................................13

Life and Disability ....................................................14

FSA Pre-tax Savings Programs ...............................15

HSA vs. FSA Chart .................................................16

Commuter Benefit ..................................................16

ADDITIONAL BENEFITSEmployee Assistance Program ...............................17

LifeLock Identity Theft Protection ...........................17

COST AND CONTACTSEmployee Costs 2019 ............................................18

Wellness Program ...................................................19

Financial New Year, New You ..................................20

Contacts .................................................................21

Glossary .................................................................22


WELCOME TO JMTAt JMT we care! Providing a comprehensive, competitive, and affordable benefits package to you and your family is imperative to our overall well-being culture. Our programs are instrumental in ensuring we continue to recruit the best and the brightest while retaining those we hold most valuable, all of you!

We are committed to the following objectives:

• Maintain extremely competitive costs for our employees

• Offer outstanding benefit programs

• Offer flexibility in program design

• Maintain excellent service providers

• Promote a culture of well-being

• Promote and encourage health care consumerism where possible

With that, we present to you, our 2019 Benefits Overview Guide. Take the time to learn more and find the plan that works best for you.

If you have any questions along the way, please don’t hesitate to contact Human Resources. Our contact information is at the back of this guide.

As always, we wish you and your family a happy, healthy 2019!

TAKE ACTION

• Review this Benefits Guide

• Submit enrollment within 30 days of being hired via your UltiPro Life Event Portal

• Complete our Wellness Program within 5 months of your benefit effective date to ensure you don’t pay more for your Health Care!

Making your enrollment elections is easy with our UltiPro solution! Follow these easy steps below to get started:

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 > Life Events > I am a new employee

4. Click on the I am a new employee and then simply follow the directions on the pages from there. If adding a dependent, you will be required to submit verification of dependent status before your elections will be approved. That verification must be uploaded under the Employee Documents section, just under Life Events.

ULTIPRO ENROLLMENT


IMPORTANT INFO For the 2019 - 2020 Plan Year

2019 ANNUAL MAXIMUMS

Health Care Flexible Spending Account $2,700

Limited Purpose Flexible Spending Account $2,700

Dependent Care Flexible Spending Account $5,000

Individual Health Savings Account contribution $3,500

Family Health Savings Account contribution $7,000

Health Savings Account catch-up amount (age 55 or older) $1,000

Commuter Benefits $265 (monthly)

401(k) deferral amount $19,000

401(k) catch-up contribution (age 50 or older) $6,000


EMPLOYEEYou (and any eligible dependents) are eligible for our Core Benefits if you are:

• An active full-time employee.**

• Part-time employees regularly scheduled to work 20 hours or more per week are eligible for the benefits indicated by the asterisk (*) under Core Benefits.

DEPENDENTSThe following are considered eligible dependents under our plan:

• Your legal spouse (as recognized by the laws of the state in which you married).

• Dependent children up to age 26.

• Your unmarried, disabled, dependent children of any age if they are ineligible for any other health insurance.

CORE BENEFITS• Medical & Prescription

• Dental

• Vision

• Basic Life Insurance/Accidental Death & Dismemberment Insurance

• Short Term/Long Term Disability Insurance

• Health Savings Account

• Flexible Spending Accounts*

• Commuter Benefit*

• Supplemental Life Insurance*

• LifeLock*

• TelaDoc Health

• JMTScripts

• Employee Assistance Program*

ELIGIBILITY** For Core Benefits

**See Summary Plan Description for more details.


MYQHEALTH By Quantum Health

Do you ever feel like the “healthcare system” is a complex

maze you can’t escape? Maybe even felt passed around

from person to person or place to place just to find the

answers to your questions? We’ve all been there, but the

good news is we have a solution in our partnership with

MyQHealth!

MyQHealth’s unique “Health Care Warrior” model is

designed to help our employees and dependents covered

on our health plans in navigating their personal healthcare

journey, no matter what that path entails. As an extension

of your JMT HR Team, your “Health Care Warrior” is your

personal concierge who empowers you to make smarter

decisions surrounding your care, connects you with

resources available through JMT, our insurance carriers and

in your local community based on your need. By overseeing

all aspects of benefits delivery, your “Health Care Warrior”

can help close your care gaps, intercept redundant,

delayed, and questionable treatment in real-time and then

help you, your family, and your physicians work together to

ensure proper care.

TURN TO YOUR HEALTH CARE WARRIOR FOR HELP WITH:• ID cards

• Claims, billing, and benefit questions

• Prescription issues

• Finding in-network providers

• Pre-notification/Pre-certifications required by the Plan

• New diagnosis care coordination

• Nurse support to help you stay or get healthy

• Reducing your Out-of-Pocket costs

• Healthcare Bluebook transparency tool

• Anything that can make the healthcare process easier

HEALTHCARE BLUEBOOK Transparency Tool

CONTACT:PHONE: 888-984-8188

WEBSITE: www.myjmthealth.com

Company Code: JMT

FAIR PRICE & QUALITY SERVICE!

YOUR OWN “HEALTH CARE WARRIOR” TO HELP YOU NAVIGATE THE HEALTHCARE SYSTEM!



Members enrolled in one of our health plans have a

transparency tool available to help you save money while

receiving the highest quality healthcare! Cost and quality of

healthcare services can vary significantly within the same

provider network and market. Healthcare Bluebook allows

you to search by procedure to find providers and facilities

in your area and uses an easy to understand color coded

ranking of their services based on cost and quality. Facilities

are ranked using standard “traffic signals” by green, yellow

and red signs indicating the price or quality of the services

according to industry standards. Green means go, yellow

proceed with caution, red…. Stop and reconsider. Healthcare

Bluebook provides you with the best transparency tool to

make the most of how you spend your healthcare dollars. Plus, your MyQHealth “Health Care Warrior” can help you navigate through this awesome tool.

BONUS: Shop for a green provider online with Healthcare Bluebook for one of the named services and you could be eligible for a cash reward ranging from $25-$100! “Go green to get green!”

OUR GOAL: A MORE EFFICIENT AND COST-EFFECTIVE JOURNEY FOR BOTH YOU AND OUR PLAN.


MYQHEALTH By Quantum Health MEDICAL BENEFITS SUMMARY Through CareFirst Administrators (CFA)

BLUE PLAN CONSUMER ADVANTAGE PLANGENERAL PLAN PROVISIONS IN-NETWORK OUT-OF-NETWORK IN-NETWORK OUT-OF-NETWORK

Deductible (Ded.)$500 / Individual$1,000 / Family(Stacked Ded.)*

$1,500 / Individual$3,000 / Family(Stacked Ded.)*

$1,350 / Individual $2,700 / Family

(Unstacked Ded.)**


(Unstacked Ded.)**

Co-insurance Percent (JMT Plan/Employee)

80/20% 60/40% 90/10% 70/30%

Out-of-Pocket Maximum (Includes copay, deductible and co-insurance)


$4,000 / Individual$8,000 / Family

$2,600 / Individual$5,200 /Family

$5,000 / Individual$10,000 / Family

PREVENTATIVE SERVICESWellness Screenings (Test and Readings)

100% 60/40% 100% Ded., then 70/30%

Well Child Care (ages 0-17) 100% 60/40% 100% Ded., then 70/30%

Adult Physical (ages 17+)Including GYN and Cancer Screenings

100% 60/40% 100% Ded., then 70/30%

OFFICE VISITS, LABS & TESTINGPrimary Care Visit $25 copay Ded., then 60/40% Ded., then 90/10% Ded., then 70/30%

Specialist Visit $25 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 ROOMUrgent 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%

HOSPITALIZATIONInpatient Facility Ded., then 80/20% Ded., then 60/40% Ded., then 90/10% Ded., then 70/30%

Outpatient Facility (Freestanding) Ded., then 80/20% Ded., then 60/40% Ded., then 90/10% Ded., then 70/30%

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 ABUSEInpatient 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 DRUGSGeneric/Preferred/Non-Preferred

Retail Pharmacy (34-day supply) $10 Generic /$30 Preferred Brand /$50 Non-Preferred Brand

Ded., then $10/$30/$50

Retail & Mail Order (90-day supply)

$20/$60/$100 Ded., then $20/$60/$100

Please note that JMT’s Plan Year is March 1 - February 29 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.


PRESCRIPTION DRUG PROGRAM Through Express Scripts (ESI)

Our Prescription Drug Program is administered through Express Scripts (ESI). ESI has a network of pharmacies that allows for wide access in your local community & across the country. You may receive a 90-day supply of medication from ESI’s Home Delivery pharmacy for a reduced mail order copay. Accredo is ESI’s specialty pharmacy, providing individualized therapy management solutions for a wide range of complex conditions. For a complete list of conditions or for more information, call them at 877-895-9697 or visit Accredo.com.

It’s no surprise that the cost of prescription (Rx) medications are at their highest levels across the United States and JMT is not immune to those cost impacts. We have implemented two programs that are designed to help our plan save on our prescription spend by dispensing lower cost alternative medications, where applicable.

GENERIC INCENTIVE PROGRAM

For any prescriptions (Rx) filled, where a generic drug is available, the plan will cover the generic drug cost, with you still paying your employee portion. However, if the employee or dependent chooses to fill the Rx with the brand name drug, the employee or dependent will pay the brand name co-pay PLUS the difference in the total cost of the drugs between the generic version and the brand version of the medication (Should your physician write the Rx as “Dispense as Written,” this will not apply).

STEP THERAPYStep Therapy is a program that 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:

• First-line drugs – the first step – are generic and lower-cost brand drugs proven to be safe, effective and affordable. Step Therapy suggests that you should try these drugs first because in most cases they provide the same health benefit as more expensive drugs, but at a lower cost.

• Second-line drugs – the second and third step drugs – typically brand-name drugs best suited for the few patients who don’t respond to first-line drugs. Second-line drugs are the most expensive options.

WHAT DO I DO? • Review the FAQ’s below

• Talk to your doctor to see if a generic drug is a good option for you.

• Research our $0 copay JMTScripts program at www.JMTScripts.com (see page 9).



FAQ’S: HOW DOES THE RX PLAN WORK?

Specialty DrugsMembers are allowed one 34-day supply fill at Retail and then all refills must be filled by Accredo, ESI’s Specialty Pharmacy. For more information, call 877-895-9697 or visit Accredo.com.

Mail OrderMembers can fill a 34-day supply at any in-network retail pharmacy without penalty. Members have the option to fill a 90-day supply for their maintenance medications at a participating maintenance retail pharmacy (and will pay the equivalent of the Home Delivery copays).


JMTSCRIPTS Through CRX International

Are you on a brand name maintenance medication?

Through JMTScripts you will be able to receive certain

brand name maintenance medications FREE!

ADVANTAGES OF JOINING THE JMTSCRIPTS PROGRAM• $0 copay for 3 months supply for all prescriptions

offered through the program

• Prescriptions shipped directly to your home with no shipping and handling costs

• No out-of-pocket expenses

HOW DOES IT WORK?• Review the formulary list of brand name prescriptions

to determine if any of your current medications are available through this program.

• Before ordering through JMTScripts, you or your doctor must attest that you have been taking your

prescribed medication for at least 30 days – this is to ensure you have not experienced any complications with the medication.

• Ask your doctor for a prescription for a 3-month supply with 3 refills.

• Request your doctor to fax your enrollment form and prescription directly to JMTScripts OR mail your original prescription and completed enrollment form to JMTScripts.

• Include a new prescription for each medication being ordered.

• CRX will call you prior to each refill to ensure that you have a continuous supply of medications.

CONTACT:PHONE: 1-866-488-7874

FAX: 1-866-215-7874

WEBSITE: www.JMTScripts.com

YOU MAY BE ELIGIBLE FOR FREE MEDICATION

TELADOC HEALTH 24/7/365 Access to a Doctor

TelaDoc Health gives you 24/7/365 access to U.S. board-certified doctors who can treat many of your medical issues by phone or video. It is not insurance but an added medical benefit that gives you and the plan an affordable alternative to costly urgent care or emergency room visits.

Full-time employees enrolled in one of our health plans are eligible to use this service with the following co-pays:

Blue Plan $10 copay

Consumer Advantage Plan $49 copay

WHEN TO USE TELADOCFor 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.

GET THE CARE YOU NEEDTeladoc doctors can diagnose, recommend treatment, and prescribe medication for many medical issues, including:

• Cold and flu symptoms• Bronchitis• Allergies• Poison Ivy• Pink eye

• Urinary tract infection• Respiratory infection• Sinus problems• Ear infection• and more!

If appropriate, the Teladoc doctor can write a short-term prescription and have it sent to the pharmacy of your choice.

CONTACT:PHONE: 1-800-Teladoc

WEBSITE: www.Teladoc.com


HEALTH SAVINGS ACCOUNT Through PayFlex

A Health Savings Account (HSA) is an actual tax-advantaged savings account available to those electing the Consumer Advantage Plan. When considering the HSA option, think of this as a long term savings plan to be used not only for current, but future medical care expenses. Similar to a retirement plan, this program is designed with the following benefits:

• Money goes in the account through pre-tax payroll deductions.

• Unused funds in your account rollover and accumulate year after year.

• You can use your HSA to pay for qualified medical expenses such as deductibles and prescription costs; dental and vision expenses.

• Employee owns the funds in the HSA.

• Money saved in an interest bearing account.

• Optional cash-out feature (taxes may apply).

To be eligible to enroll in the HSA, you must meet all of the following:

• Must be covered under a High Deductible Health Plan (HDHP / Consumer Advantage Plan).

• Can not be covered under another non-HDHP*.

• Can not be enrolled in Medicare.

• Can not be a dependent on another person’s tax return.

*Other health insurance does not include: specific disease or illness

insurance, accident, disability, dental care, vision care and long-term care

insurance.

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.

LEARN MORE ABOUT THE HSA & FSA HERE!https://payflex.jellyvision-conversation.com

IMPORTANT HSA FACTS & FIGURES

• 2019 Contribution Limitations: Individual - $3,500. Family - $7,000.

• 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.


HEALTH SAVINGS ACCOUNT Through PayFlex

DISCOUNTS ON HEALTH & WELLNESS* The following offers and discounts are available to all employees enrolled in the medical plan. For additional details on any of the programs listed, visit www.carefirst.com/wellnessdiscounts and click on a service from the list provided. For more options, click on the Blue365 link.

ALTERNATIVE THERAPIES & WELLNESS

Discounts on chiropractic care, acupuncture, massage therapy, nutritional counseling, personal training, yoga, guided imagery, spa services and more.

ELDERCARE SERVICES Referral services to help members find qualified providers through ElderCare. Including home health care, home support, assisted living, adult day care, long term care, nursing homes, and support groups for caregivers.

FITNESS CENTERS Discounts on membership fees, initiation fees and more depending on which fitness network and location you choose.

HEARING CARE Free screenings, discounts on hearing aids and more.

LASER VISION CORRECTION & CONTACT LENSES

Discounts on laser vision correction and patient financing with approved credit.

MEDICAL IDS Discounts on personalized medical ID bracelets and necklaces.

RECREATION & TRAVEL Enjoy savings on travel and leisure expenses.

WEIGHT LOSS Nationally recognized weight loss plan discounts.

VALUE ADDED SERVICES Through CFA

* Offers vary throughout the year.



Turn to MyQHealth

with your benefits

questions!


DENTAL 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 receive cost savings to our plan and 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

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.

PLAN SUMMARY NETWORK: PPO & PREMIER

IN-NETWORK OUT-OF-NETWORK

Plan Year Maximum* $1,500

Plan Year Deductible (Ded.)*$25/Individual

$75/Family

Orthodontic Lifetime MaximumLimited to dependent children up to age 19

$1,200 per covered person

COVERED SERVICES PLAN PAYSPreventive Services:Exams, X-rays, Cleanings, Fluoride Treatments, Sealants, etc.

100% of **UC

Pregnancy Benefit:1 additional cleaningPeriodontal MaintenanceSealing & Root PlanningPeriodontal Surgery - up to 4 procedures

100% of **UC

Basic Services:Basic Restorative (Fillings, etc.), Emergency Palliative Treatment, Endodontics, Non-Surgical Periodontics, Simple Extractions, Surgical Periodontics, Complex Oral Surgery, General Anesthesia and/or IV Sedation, etc.

90% of **UC, Ded. applies

Major Services:Inlays, Onlays, Crowns, Prosthetics (Bridge, Dentures, etc.),Periodontal Appliances, Dentures, etc.

60% of **UC, Ded. applies

Miscellaneous:Night Guards Implants

50% of **UC, Ded. applies50% of **UC, Ded. applies

Orthodontics (Subject to lifetime maximum) 60% of *UC

* Preventive Care is on a calendar year. Maximums and Deductibles reset each March 1st.

**UC – Subject to Usual and Customary Fees


VISION 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 Access Network.

FREEDOM PASS (Buy-Up Plan only)

Special offer from Sears® Optical and 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.

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

Eyeglasses & Frames* 35% off retail price* N/APlan pays up to $130;

you pay 20% off Balance over $130

Up to $65

Standard Plastic Lenses*

Single Vision Lenses $50

N/A

$10 Up to $25

Bifocal Lenses $70 $10 Up to $40

Trifocal Lenses $105 $10 Up to $65

Lens Options*

Tint (Solid & Gradient) $15

N/A

$15

N/AUV Coating $15 $15

Standard scratch-Resistant $15 $15

Standard polycarbonate $40 $40

Standard anti-reflective $45 $45 $40

Standard progressive $135 $10 Up to $88

Premium progressive N/A$10 copay, 80% charge

less $120 allowanceUp to $88

Other add-ons & Services 20% off retail price* 20% off retail price N/A

Contact Lens Fitting & Follow-up

Conventional Contact Lenses 15% off retail price N/APlan pays up to $115;

you pay 15% off Balance over $115

Up to $92

Disposable Contact Lenses N/A N/A Plan pays up to $115 Up to $92

Medically Necessary Contact Lenses N/A N/A Plan pays 100% Up to $210

Lasik & PRK Vision Correction 15% off retail price or 5% off promotional price

N/A15% off retail price or 5%

off promotional priceN/A

Additional Pairs Benefit Members also receive a 40% discount off complete pair eyeglass purchases and a 15% discount off conventional contact lenses once the funded benefit has been used; does not apply to disposable contact lenses.

Exams are covered once every 12 months; standard plastic eyeglass lenses or contact lenses once every 12 months; frames once every 24 months. * Under the Core Vision Plan, frame, lens, and lens option discounts apply only when purchasing a complete Pair of glasses.


LIFE AND DISABILITY Through Symetra

JMT pays 100% of the premium for your Basic Term Life, Accidental Death and Dismemberment (AD&D), Short Term Disability and Long Term Disability benefits. The information below provides an overview of these benefits.

BASIC TERM LIFE INSURANCE BENEFITFull-time employees receive $100,000 of Basic Life Insurance. This volume will be reduced based on age, in accordance with our plan. Benefit will reduce to 65% at age 70, 40% at age 75, and 25% at age 80

ACCIDENTAL DEATH & DISMEMBERMENTIf death is the result of an accident, your beneficiary will receive an additional amount equal to your Basic Life Insurance in force. If you are dismembered (such as loss of sight in an eye, loss of a hand, foot, limb, hearing, speech, etc.), benefits will be paid to you as a percentage of the Basic Life amount.

SHORT TERM DISABILITYYour family can count on your income while you are healthy and employed, but it is important to plan for their financial security in the event that you become disabled and unable to work. If you are injured due to a non-work related injury or illness, you may be eligible to receive disability benefits during your time away from work. If you are out of work due to an accident, benefits begin immediately. If you are out due to an illness, your benefits will begin on your eighth day from your last day worked. The benefit is 60% of your weekly earnings to a maximum of $1,000 per week. Maximum benefit period is 26 weeks.

LONG TERM DISABILITYShould you be out of work for more than 26 weeks, you may be eligible for our Long Term Disability benefits. The benefit is 66 2/3% of your monthly earnings to a maximum of $8,000 per month.

SUPPLEMENTAL LIFE FOR EMPLOYEES, SPOUSES AND CHILDRENEmployees, both full-time and part-time regularly working at least 20 hours per week, are eligible to purchase additional life insurance coverage for themselves, their spouse and their children. Benefit will reduce to 65% at age 70, 40% at age 75, and 25% at age 80.

For rate information, please visit UltiPro Open Enrollment.

Employee Options: 5x annual salary (in increments of $10,000) up to a maximum of $500,000

Spouse Options: Up to 50% of Employee’s benefit amount (increments of $5,000) up to a maximum of $250,000

Child Options: $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 provided you were not previously declined for supplemental life coverage.

EVIDENCE OF INSURABILITYIf you enroll in the Supplemental Life Insurance program when you initially become eligible, you will not have to provide evidence of insurability unless you purchase more than $100,000 for yourself or $30,000 for your spouse.

If you elect not to purchase Supplemental Life Insurance when you initially become eligible and later decide to take advantage of this benefit, you will be required to provide evidence of insurability regardless of the amount of coverage you elect.

EMPLOYEE SUPPLEMENTAL LIFE INSURANCE RATES

Age <25 25-29 30 - 34 35 - 39 40 - 44 45 - 49 50 - 54 55 - 59 60 - 64 65 - 69 70<

Monthly Premium Rates / $1,000

$0.06 $0.06 $0.09 $0.11 $0.16 $0.22 $0.37 $0.69 $0.78 $1.27 $2.06

SPOUSE SUPPLEMENTAL LIFE INSURANCE RATES

Age <25 25-29 30 - 34 35 - 39 40 - 44 45 - 49 50 - 54 55 - 59 60 - 64 65 - 69 70<

Monthly Premium Rates / $1,000

$0.108 $0.108 $0.130 $0.202 $0.344 $0.572 $0.916 $1.272 $1.808 $2.700 $4.498


LIFE AND DISABILITY Through Symetra

PRE-TAX SAVINGS PROGRAMS

FLEXIBLE SPENDING ACCOUNTS(FSA) Through PayFlex

To help you save money on health care and dependent care costs, we offer Flexible Spending Accounts. The purpose of a Flexible Spending Account is to allow you to set money aside on a pre-tax basis to cover expenses that are not otherwise covered under traditional medical, dental or vision plans.

THERE ARE THREE TYPES OF FLEXIBLE SPENDING ACCOUNTS AVAILABLE TO YOU:• Health Care FSA

• Limited Purpose FSA (available only to those enrolled in the HSA)

• Dependent Care FSA

HOW DOES AN FSA WORK?• At the beginning of each plan year, employees elect

the pre-tax amount they will use for health care and dependent care expenses which will be deducted in equal increments from their paycheck.

• The money is held in a separate account for each employee until the employee submits an eligible expense claim or uses their debit card.

• Once a claim is submitted to PayFlex, they will reimburse you for the expense.

IMPORTANT NOTES• You must make a new election each year to

participate in the FSA.

• The FSA plan year runs from March 1st – February 28th.

• You can roll over up to $500 of unused funds to the next plan year (Medical FSA plans only).

• You have until May 30th to submit claims for expenses incurred during the previous plan year.

• You must save all itemized receipts for FSA claim substantiation to PayFlex.

HEALTH CARE FSAHealth Care FSA’s offer employees the opportunity to pay for eligible out-of-pocket medical costs with pre-tax dollars. PayFlex has a complete list of eligible and ineligible expenses on their website.

• Your Health Care FSA annual maximum is $2,700.

LIMITED PURPOSE FSAA Limited Purpose FSA is very similar to the Health Care FSA, except there are less eligible expenses. You are not allowed to contribute to a HSA and a Health Care FSA. However, you can contribute to a HSA and a Limited Purpose FSA. You may use your Limited Purpose FSA for eligible dental, vision and over the counter expenses. You may NOT use a Limited Purpose FSA for any medical expenses, such as: medical deductibles, copays and co-insurance.

• Your Limited Purpose FSA annual maximum is $2,700.

DEPENDENT CARE FSAThe dependent care FSA can be used for:

• Child care expenses for children under age 13.

• Children may be covered beyond the age of 13 if they are physically or mentally incapable of self-care.

• Adult day care expenses for dependents who you claim on your income taxes that are mentally or physically unable to care for themselves.

You can only receive reimbursement for the amount that has been deposited into the account. Both spouses must work and/or attend school full-time in order to take advantage of the Dependent Care FSA.

• Your Dependent Care FSA annual maximum is $5,000 ($2,500 if you are married and filing as single).

Dependent care accounts may not be used for:

• Overnight camps

• Private school tuition

• Food, clothing, entertainment, field trips

• Sports lessons

• Registration fees

Please note: Over-the-counter medicines and drugs are not covered without a doctor’s prescription. Insulin and diabetic supplies do not require a prescription to be considered a qualified medical expense. Over-the-counter items such as: braces and supports, contact lens supplies and solutions, first aid supplies, and ostomy products are other examples of items that do not require a prescription.

LEARN MORE ABOUT THE HSA & FSA HERE!https://payflex.jellyvision-conversation.comCONTACT:

PHONE: 844-729-3539

WEBSITE: www.payflex.com

Please see IRS Publication 503 for a full listing of eligible dependents and eligible expenses.


COMMUTER BENEFITJMT offers a commuter benefit giving employees the opportunity to set aside pre-tax funds for transportation expenses such as:

• Parking

• Mass transit / Vanpooling

The 2019 IRS limit is $265 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.

PRE-TAX SAVINGS PROGRAMS

HSA vs. FSA

PLAN COMPARISONS

NAME OF ACCOUNT HEALTH CARE HSA HEALTH CARE FSA LIMITED PURPOSE FSA

Who owns the account? Individual/Employee Employer Employer

Who funds the account?Employee can contribute pre-

tax dollars through Section 125 plan

EmployeeTypically the employee

contributes pre-tax dollars through a Section 125 plan

EmployeeTypically the employee

contributes pre-tax dollars through a Section 125 plan

What plans may be offered with the tax-advantaged account?

Available only to those enrolled in our Consumer

Advantage PlanBlue Plan or no health plan

Available only to those enrolled in our Consumer

Advantage Plan

Is there a limit on the amount that can be contributed per year?

Yes: Individual - $3,500*, Family - $7,000* Yes: Individual - $2,700 Yes: Individual - $2,700

Can unused funds be rolled over from year to year? Yes

Up to $500 of unused funds may be rolled over for use in

the next plan year

Up to $500 of unused funds may be rolled over for use in

the next plan year

What expenses are eligible for reimbursement? See IRS publication for all eligible medical, dental and vision 213(d) expenses.

Must claims be submitted for substantiation?

No, however you should hold on to your receipts in the

event of an IRS audit

Yes, however some claims will auto substantiate

Yes, however some claims will auto substantiate

May account reimburse non-medical expenses?

Yes, but taxed as income and 20% penalty (no penalty

if distributed after death, disability, or age 65)

No No

Is interest earned on the tax-advantaged account? Yes, accrues tax-free No No

* Age 55 and older may contribute an additional $1,000 per year

Here’s another way you can compare the advantages of our pre-tax savings programs.

For more detailed information on the HSA: https://www.payflex.com/products-and-services/health-savings-account


COMMUTER BENEFIT

EMPLOYEE ASSISTANCE PROGRAM (EAP) Through Business Health Services (BHS)

IDENTITY THEFT PROTECTION Through LifeLock

HOW TO ENROLL:

1. Go to www.yigenroll.com

2. Use the Group ID of JMT

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

Protect your personal information and defend against attacks with 24/7, proactive identity theft protection from LifeLock. From the doctor’s office to the online store, your information is everywhere and identity theft is one of the fastest growing crimes in the nation. That’s why LifeLock works around the clock to keep your personal information safer and more secure. Using advanced detection technology, their always-on service protects you from identity theft before it happens. Over 8 million American’s fell victim to identity theft last year. Get constant and relentless protection.

Please visit www.yigenroll.com for detailed information on your LifeLock plan options.

Everyone occasionally experiences serious personal problems. Locating the right assistance can be as confusing as the problem itself. JMT provides an EAP from Business Health Services (BHS) as a FREE benefit to you and your family.

YOUR EAP IS CONFIDENTIALYour concerns remain private with the EAP therapist. The EAP will not share your personal or private information with JMT.

When you call the EAP, you will be connected to a counselor who will help you clarify your problem, identify options, offer support and professional guidance, and help you develop an action plan. In addition, you have three face-to-face visits per concern per year.

The EAP is not a full treatment program. If an interview with the EAP counselor results in a referral to local counseling services, these services will be reimbursed in accordance with your existing medical benefits plan.

WHAT SORTS OF ISSUES CAN YOUR EAP ASSIST YOU WITH?

• Relationship concerns

• Budget and debt problems

• Stress/Anxiety/Depression

• Anger management

• Legal concerns

• Child care resources & referrals

• Education and college planning

• Grief support

• Eldercare resources and referrals

• Substance abuse

• Work and life balance

• Life coaching

* You may enroll up to 8 children with 4 of those children between the ages of 18 and 26.


WEBSITE: www.bhsonline.com (Username: JMT)


EMPLOYEE COSTS 2019

SEMI-MONTHLY PAYROLL DEDUCTIONS



Turn to MyQHealth

with your benefits

questions!

DENTAL CORE VISION* BUY-UP VISION SHORT TERM DISABILITY

LONG TERM DISABILITY

BASIC LIFE & AD&D

Employee Only $5.00 $0.00 $4.03

NO COST TO EMPLOYEESEmployee + Child** $11.00 $0.00 $8.02

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** The Vision plan covers Employee + Child(ren)

MEDICAL & PRESCRIPTION

Blue Plan(Medical/Rx)

Consumer Advantage Plan(Medical/Rx)

Employee Only $44.00 NO COST TO EMPLOYEES

Employee + Child $110.50 $21.00

Employee + Spouse $119.00 $22.50

Family $182.00 $64.50

ADDITIONAL NON-WELLNESS PREMIUM:

An additional premium of up to $2,000/year will be added to the semi-monthly premiums for employees and spouses (if applicable) who do not complete the Wellness Program. (see page 19 for more information)


WELLNESS PROGRAM Through MyQHealth

JMT values the health and well being of its employees. By completing two SIMPLE activities, a biometric screening and preventive care screening, both you and your spouse (if eligible) can learn about any potential health risks early. As we continue to face rising health care costs, we need to explore viable options to control future health care costs, which is why we need your help.

While we understand this program is a choice, those who do not participate and complete activities within 5 months of their benefit effective date will pay more for their health insurance (up to $2,000/year). So, we hope you will choose to join us as we collectively take on this challenge together.

STEP 1: Biometric Screening STEP 2: Preventive Care

Complete one from each step within 5 months of your benefit effective date:

Visit a Quest Patient Service Center (Lab) Wellcare (Men & Women 18)Example: Annual Physical

Submit Physician Lab Results Form from your doctor Breast Cancer Screening (Women 40+)

Colorectal Cancer Screening (Men & Women 50+)

Cervical Cancer Screening (Women 18+)



Complete Activities within 5 months of benefit effective date

Choose Not to Participate within 5 months of benefit effective date

Additional Non-Wellness Premium (Up to $2,000/year)

Complete Activities Anytime After Deadline

Additional Non-Wellness Premium will stop

Xü ü

DEADLINE: WITHIN 5 MONTHS OF BENEFIT EFFECTIVE DATE

DON’T PAY MORE FOR YOUR HEALTH INSURANCE


FINANCIAL NEW YEAR, NEW YOU!401(K)

Now is also a good time to evaluate your 401(k) plan involvement. The IRS limit for 2019 is $19,000. If you turn age 50 or older during the calendar year, you may make additional pre-tax (“catch-up”) contributions, the limit for 2019 is $6,000. This opportunity can help you save more for retirement. 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:

CHECK UP ON YOUR RETIREMENT ACCOUNT:Principal helps make it easy (and fun) with My Virtual Coach: principal.com/MyVirtualCoach-Checkup


WEBSITE: www.principal.com

HIGHTOWER FIDUCIARY PLAN ADVISORS PHONE: 443-578-3211

EMAIL: [email protected]


CONTACTS For Benefits

PLAN MEMBER SERVICES WEBSITE MOBILE APP AVAILABLE

Health Care Warrior - MyQHealth by Quantum Health 1-888-984-8188 www.myjmthealth.com R

MEDICAL

Transparency Tool - Healthcare Bluebook 1-888-984-8188 www.myjmthealth.com R

Blue Plan - CareFirst Administrators BlueCross BlueShield

1-888-984-8188www.myjmthealth.com

www.cfablue.com RConsumer Advantage Plan - CareFirst Administrators BlueCross BlueShield

Prescription Program - Express Scripts 1-888-984-8188 www.myjmthealth.com R

JMT Scripts - CRX International Drug Program 1-866-488-7874 www.jmtscripts.com

Telemedicine - TelaDoc Health 1-800-Teladoc www.teladoc.com R

OTHER HEALTH 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 - Jellyvision N/A

https://payflex.jellyvision-conversation.com

LIFE INSURANCE AND DISABILITY

Life, AD&D and Disability - Symetra 1-800-796-3872 www.symetra.com

ADDITIONAL BENEFITS

Identity Theft - LifeLock 1-800-607-9174www.yigenroll.com

(Group ID: JMT)R

EAP - Business Health Services 1-800-327-2251www.bhsonline.com

(Username: JMT)

401(k) - Principal 1-800-986-3343 www.principal.com R

401(k) Retirement Plan Consultant - Hightower Fiduciary Plan Advisors 443-578-3211 E-mail: [email protected]

ADDITIONAL BENEFITS QUESTIONS

JMT Human Resources Direct: x 7777Outside: 443-662-4363

[email protected]


This glossary contains key words that appear in this overview. 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 The amount established for payment of covered in-network services. The Allowed Benefit will generally be lower than the amount charged. You are responsible for copayments, coinsurance and all charges that exceed the Allowed Benefit for services received out-of-network. This is called balance billing.

BALANCE BILLING When a provider bills you for the difference between the provider’s charge and the carrier’s discounted price (“Allowed Benefit”). For example, if the provider’s charge is $100 and the allowed benefit is $70, the provider may bill you for the remaining $30. An in-network provider may not balance bill for the difference between their charge and the Allowed Benefit.

COINSURANCEThe 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 are typically a percentage of the cost, may vary by type of service. Coinsurance requirements are specified in the plan documents.

COPAYMENTA set dollar amount or portion that you pay for your medical services. Usually, copays start after you first pay any deductible your plan has. Copays may differ by type of service. You can find your copay rules in your plan documents.

DEDUCTIBLEA fixed dollar amount during the benefit period - usually a 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.

EVIDENCE OF INSURABILITY A questionnaire that insurance companies use to ask about the health of a participant. Depending on the responses, this may lead to the requirement of a physical exam. These forms are often used if you apply for voluntary benefits outside of your initial eligibility period or if you apply for a coverage amount above the Guaranteed Issue amount.

GUARANTEED ISSUE The amount of coverage (benefit) the insurance company is willing to provide regardless of your health. Guaranteed Issue only applies if you enroll in the program when you are first eligible for coverage.

MAIL ORDER A benefit that allows you to receive multiple months’ worth of maintenance medication by mail.

OUT-OF-POCKET MAXIMUMThe limit on the amount an individual is required to pay for health care services covered by his or her benefits plan. Look for this information in insurance plan documents such as your Certificate of Coverage.

GLOSSARY OF TERMS

Please 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: