Open Enrollment Elections made during open enrollment will
become effective on January 1, 2014. East Central College offers
you and your eligible family members a comprehensive and valuable
benefits program. We encourage you to take the time to educate
yourself about your options and choose the best coverage for you
and your family. All enrollment forms must be submitted to the
Human Resource Office by November 15, 2013. 2
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Who is Eligible? Full-time employees who work a minimum 30
hours per week are eligible for Medical, Dental, Vision, Voluntary
Life, and Disability. Spouses and dependent children of eligible
full-time employees may enroll in Medical, Dental, Vision and
Voluntary Life. 3
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How to Make Changes Unless you have a qualified event, you
cannot make changes to the benefits you elect until the next open
enrollment period. Qualified events include: Marriage Divorce Legal
separation Birth or adoption of a child Change in childs dependent
status Death of spouse, child, or other qualifying dependent Change
in spouses benefits or employment status 4
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Medical Plan and Network Options Plan
OptionsDeductibleCoinsurance Base Plan$50080% Buy-Up Plan$0100%
H.S.A. Plan$2500100% 5 Each plan offers two network options: Blue
Access Choice (BAC) Blue Preferred Select (BPS)
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Anthem Networks Blue Access Choice (BAC) Network Includes BJC
Providers. Blue Preferred Select (BPS) Network Does NOT include BJC
Providers. 6 BJC Providers: MO Baptist St. Louis, St. Louis
Childrens Hospital, Barnes, Christian Northeast and Northwest, and
doctors with Washington University. The BPS Network does include
Missouri Baptist Sullivan Hospital.
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Medical Plan Options In-Network Benefits BenefitsBase
PlanBuy-Up PlanH.S.A. Plan Deductible Individual Family $500 $1,000
$0 $2,500 $5,000 Coinsurance 80%100% Out-of-Pocket Maximum*
Individual Family $2,500 $5,000 $1,000 $2,000 $3,500** $7,000** 7 *
Includes copayments and coinsurance. ** Prescriptions also apply to
the Out-of-Pocket Maximum for the H.S.A. Plan.
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Medical Plan Options In-Network Benefits 8 BenefitsBase
PlanBuy-Up PlanH.S.A. Plan Physician Copay$20 Deductible then
Coinsurance Specialist Copay$40 Deductible then Coinsurance Urgent
Care Copay$50 Deductible then Coinsurance Emergency Room Copay $200
Deductible then Coinsurance
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Medical Plan Options In-Network Benefits Prescription Drug Base
PlanBuy Up PlanH.S.A. Plan Tier 1$10 Deductible then $15 Tier 2$35
Deductible then $30 Tier 3$60 Deductible then $50 9
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IRS H.S.A. Contribution Limits 2014 Contribution Limit
Individual Coverage$3,300 Family Coverage $6,550 Catch up (Age55 to
65) $1,000 10
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East Central College H.S.A. Contribution 11 BPS NetworkBAC
Network Monthly Contribution$196.86 Monthly Network Incentive
$24.68- Total Annual Contribution* $2,658.48$2,362.32 * For
employees who enroll in additional coverage, the H.S.A.
contribution will be applied to spouse, dependent or family
premium. East Central Colleges contribution into your H.S.A. goes
towards the 2014 IRS contribution limit.
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ECC Base Plan Incentive Employees that enroll in employee only
coverage in the BPS Base plan will receive a deposit of $22.98
monthly into their F.S.A. For employees who enroll in additional
coverage, the F.S.A. contribution of $22.98 has been taken off the
monthly premium. 12
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Medical Cost BPS Network 13 Monthly Cost to the Employee
ElectionBPS H.S.A. PlanBPS Base Plan *BPS Buy-Up Plan * Employee
Only $0.00 $144.24 Employee & Spouse $135.36$567.70$923.50
Employee & Child(ren) $61.54$458.54$780.94 Family
$400.94$998.94$1,486.72 The BPS Network does not include BJC
Providers. * Employees that enroll in additional coverage in the
base or buy-up plan, $22.98 has already been deducted from the
monthly premium. ** East Central College pays $588.62 toward every
employees health plan.
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Medical Cost BAC Network 14 Monthly Cost to the Employee
ElectionBAC H.S.A. PlanBAC Base PlanBAC Buy-Up Plan Employee Only
$0.00 $184.78 Employee & Spouse $182.84$628.36$1,019.04
Employee & Child(ren) $104.32$512.22$867.40 Family
$465.36$1,087.60$1618.24 The BAC Network does include BJC
Providers. *East Central College pays $588.62 toward every
employees health plan.
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www.Anthem.com 15 Register Here Find a Provider
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Find A Provider Choose Provider Specialty Put in location 16
Select what you are looking for Select your network Select PPO as
Plan Type/Network
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Dental Coverage TypeEmployee Monthly Cost Employee Only$0.00
Employee & Spouse$30.80 Employee & Child(ren)$67.72
Family$101.38 17 Guardian will remain our carrier and there are no
changes to the current benefits. There is an increase for dependent
coverage. If you want to make a change to your current election,
please contact the HR office.
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Vision 18 Coverage TypeEmployee Monthly Cost Employee Only$0.00
Employee & Spouse$3.72 Employee & Child(ren)$3.93
Family$10.14 VSP will remain the carrier and there are no changes
to the current benefits. There is no change in cost. If you want to
make a change to your current election, please contact the HR
office.
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Basic Life & Voluntary Life East Central College pays for a
$50,000 basic life policy on all full-time employees. You may
purchase additional life insurance. Please contact the Human
Resource office to make changes to your voluntary life policy. Now
is a great time to update your beneficiaries. To update yours
please contact the Human Resource office. 19
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Flexible Spending Account (F.S.A.) 20 Healthcare providers
(including dentists and eye doctors) are obligated to bill your
insurance first. You do not need to pay anything until you have
received the following: Your Explanation of Benefits (EOB). The
bill from your provider showing the balance you owe after your
insurance has paid its portion of the claim.
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F.S.A. Benny Card 21 Once you get the bill from your provider,
here is how to make a payment using your Flex Spending Benny Card:
Write your card number on the portion of the bill that allows for
credit card payment. Sign in the appropriate area. Provide the
expiration date. You may also need to include a CBB (3 digit number
on back of your card). Return the completed form to your
provider.
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F.S.A. Benny Card 22 What you can use your Benny Card for:
Covered prescription and doctor copayments and deductibles LASIK
surgery and eyeglasses Mail order and online prescriptions
copayments and deductibles Health plan deductibles and coinsurance
Patient balance due (For claims incurred in current plan year)
Orthodontia Over-the-counter (OTC) items (if covered by your Plan)
at participating pharmacies
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Flexible Spending Account (F.S.A.) Web Tools:
www.guardiananytime.com Quickly create and upload claims View
current F.S.A. elections View claims history View account balances
View flexible spending account summary Download and print plan
documents Access F.S.A. administration forms and frequently asked
questions (FAQs) 23
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Reminder! All packets must to be turned into Human Resources by
November 15, 2013. If you want to make any changes to your vision,
dental, or voluntary life plans you must complete a change form
that can be picked up in the Human Resource office. All changes
must be received by November 15, 2013. 25
