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Open Enrollment - Let's Get Started 2021 Flipbook PDF
Open Enrollment - Let's Get Started 2021
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Let’s Get Started
The right choice matters. Quick Start Guide 2021-2022
Open Enrollment Begins March 8th and Ends March 22nd
What’s New for 2021-2022? ✓
Summit will continue to offer the same two medical plan options with BlueCross BlueShield of Texas and Prime Therapeutics. . You may select either the Health Investment Plan or the PPO Plan. The Health Investment Plan option may be paired with a Health Savings Account which will provide you an opportunity to invest in your health today and in the future.
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There will be no change to employee premium contributions this year. Summit continues to pay the majority of your healthcare expense.
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For employees who enroll in the Health Investment Plan, if you enroll in the Health Savings Account, Summit will continue to contribute money into your HSA. • $500 for employee only • $1,000 for an employee plus one or more ❑ To receive employer contribution, you need to open an account with Wex (formerly Discovery Benefits) if you have not already AND elect to make a payroll deduction and fund any amount into your account.
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Dental and Vision benefits will remain the same.
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Summit continues to offer a telemedicine benefit through Teladoc so that those members enrolled in one of the medical plan may have access to providers without visiting a doctor’s office. Enrolled dependents are also eligible.
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Cigna life and disability coverage is changing its name to New York Life. You may see both names this year. For all employees currently enrolled under the voluntary life coverage through Cigna/New York Life, you may increase your benefit by one Benefit Level ($10,000), as long as your total Benefit does not exceed the Maximum Benefit, without satisfying the Insurability Requirement. A request to increase your spouse’s voluntary life Benefit can be made by submitting an Evidence of Insurability form. You may also add short- or long-term disability coverage without having to submit a health questionnaire/Evidence of Insurability form.
Page 1
Open Enrollment Begins March 8th and Ends March 22nd
Open Enrollment Checklist Complete the wellness initiatives for the best rates (see next page). Review and/or print current benefit elections from UKG (formerly UltiPro).
Be prepared to complete your enrollment online at UKG. •
Visit nw12.ultipro.com
•
Your username is your Summit Truck Group email address.
•
Use your previously set “direct sign on” password you created for UltiPro.
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If it is your first time logging on, then it is your date of birth with no dashes (example: 01011900).
Review your 2021-2022 Benefit Plan Enrollment Guide online at UKG. If you need assistance or have questions during Open Enrollment, please contact Benefit Harbor at 888-408-5654. They are available Monday-Thursday from 8-8 cst and Fridays from 8-6 cst. Gather information and documents required for enrollment, including dates of birth, social security numbers of dependents and required dependent eligibility verification documentation. When deciding on the best medical option, think about your health history and how things might change in the upcoming year. Thinking about the services you need can help you determine what type of coverage is right for you. All eligible employees must log in to UKG and select “Stay enrolled in Current Benefit Plans” to keep current selections or select “Make New Elections” to make changes to current selections and go through the Open Enrollment process for your 2021-22 benefits. Current elections do not automatically roll forward – you must make the election in UKG. Please note: If you are enrolled in the HSA or FSA and wish to contribute to the account for 202122, you must use the “Make New Elections” section in UKG. Access helpful information abut FSA and HSAs and download the mobile app at the Wex/Discovery Benefits Employees Resource Center: https://www.wexinc.com/insights/benefits-toolkit/
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Open Enrollment Begins March 8th and Ends March 22nd
Wellness Checklist
To Qualify for Wellness Rates in 2021-2022 Complete the following steps by 3/15/21:
Complete your Tobacco Free Affidavit form. Log in to UKG, print, complete and return the form to Human Resources.
Sign up to use Blue Access for Members website. 1. 2. 3.
Go to www.bcbstx.com/member Click Register Now Use the information on your BCBS ID card to complete the registration process.
Complete your online BCBS Health Assessment form by logging on to www.bcbstx.com.
Complete your Teladoc online medical history form by logging on to www.Teladoc.com.
WELLNESS IS WITHIN YOUR REACH... YOUR BENEFITS. YOUR CHOICE. Page 3
Open Enrollment Begins March 8th and Ends March 22nd
Rates and Plans Medical Health Investment Plan Paired with an H.S.A. PPO Plan Bi-Weekly Medical and Prescription Drug Plan Rates Health Investment Plan H.S.A. Eligible Wellness Rates Employee Only Employee + Spouse Employee + Child(ren) Family
$53.96 $100.09 $99.38 $156.50
Dental $1,000 Annual Max Benefit Includes Orthodontia
Vision Eye Exam Every 12 Months/ Lenses or Contacts Every 12 Months/ Frames Every 24 Months
Non-Wellness Rates
PPO Plan Wellness Rates
Non-Wellness Rates
$93.27 $165.79 $164.62 $259.23
$139.43 $211.95 $210.77 $305.39
$100.12 $146.24 $145.53 $202.65
Bi-Weekly Dental Plan Rates Employee Only Employee + Spouse Employee + Child(ren) Family
$5.80 $13.42 $12.05 $19.92
Bi-Weekly Vision Plan Rates Employee Only Employee + Spouse Employee + Child(ren) Family
$2.84 $5.40 $5.69 $8.36 Page 4
Open Enrollment Begins March 8th and Ends March 22nd
Rates and Plans
Basic Life and AD&D
Employer paid, no cost to employee
Supplemental Life and AD&D
Rates based on age and volume selected
1 X Annual Earnings to a Maximum of $50,000
Option to Purchase Additional Life and AD&D Insurance
Short Term Disability Core Employer Paid Benefit of 60% up to $300 Weekly Benefit Buy-up Employee Paid Option of 60% up to $1,250 Weekly Benefit
Long Term Disability
Aflac Voluntary Products
60% up to $6,000 Monthly Benefit, 90 day wait (employee paid option) Voluntary LTD Monthly Rate Per $100 of Covered Payroll* Age
Rate
0-24
$0.094
25-29
$0.121
30-34
$0.225
35-39
$0.327
40-44
$0.531
45-49
$0.718
50-54
$0.991
55-59
$1.058
60-64
$1.088
65+
$1.154
*Benefit Duration is dependent on age at time of disability.
Buy-up STD monthly rate is .38 per $10 of weekly benefit
❑ ❑ ❑ ❑
Accident Coverage Critical Illness and Cancer Hospital Indemnity Whole Life Insurance
Rates based on age and option selected
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Open Enrollment Begins March 8th and Ends March 22nd
Frequently Asked Questions
Q. What is a Benefit Value Advisor? A.
Benefit Value Advisors are standing by to help you find in-network doctors, hospitals and other providers across the country. Advisors are available to help you compare treatment costs or even schedule an appointment. Do you have questions about how your plan works, what it covers, how to read an Explanation of Benefits (EOB)? Call Benefit Value Advisors for answers. The phone number is listed on the back of your BCBS ID card.
Q. What are the benefits of enrolling in the High Deductible Health Plan with a Health Savings Account (H.S.A.)? A.
There are many reasons, but the top benefit is saving money. And Summit provides a contribution IF you enroll in the H.S.A.. You don’t pay Federal, State or FICA taxes on the money directed from your paycheck into your H.S.A. account. The money in your H.S.A. account can be invested and interest earned is tax-free. When you spend the money on qualified medical expenses, you never pay taxes on it. To learn more, log in to UKG and view the Discovery Benefits brochures.
Q. Q. What is Teladoc? A.
Teladoc is provided to members enrolled in the health plan and is available at no cost to you. Call Teladoc anytime to access a doctor 24/7. Teladoc doctors can treat many medical conditions, including cold and flu symptoms, allergies, urinary tract infection, respiratory infection, sinus problems and more. Call Teladoc 24/7 at 800.835.2362 or visit online at www.Teladoc.com.
Q. What is a Life Assistance Program (LAP)? A.
A LAP is available to help you and your family find solutions to life’s big and small challenges. You have three face-to-face counseling sessions available with a specialist at no cost to you. Call New York Life/Cigna Behavioral Health 24/7 at 800.538.3543 or visit online at www.cignalap.com.
Q. Where can I find more information about our 2021-2022 Benefit Plan? A.
The enclosed Open Enrollment Materials and Resources List outlines the items available through the UKG benefits portal. Page 6
Open Enrollment Begins March 8th and Ends March 22nd
Open Enrollment Materials and Resources List
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Let’s Get Started Packet – Highlights of 2021-2022 Open Enrollment Information
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2021-2022 Employee Benefits Guide
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Wex (formerly Discovery Benefits) - Health Savings Account Brochures
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2021-2022 Annual Employer Notices
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2021-2022 Summary of Benefits and Coverage (SBCs)
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Spousal Waiver Affidavit Form
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New York Life/Cigna Evidence of Insurability (EOI) Form – request the weblink from your HR Business Partner
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Teladoc Brochure – Three ways to complete your medical history
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BCBS Brochures - Information on how to complete your health assessment
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Aflac Flyer
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New York Life/Cigna Life Assistance Program (Employee Assistance Program)
To view or download material, visit nw12.ultipro.com and log in to the portal. Page 7
Open Enrollment Begins March 8th and Ends March 22nd