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Open Enrollment
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Enrollment Dates November 10th – November 21st
Open Enrollment
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BenefitsDirect Manages benefit enrollment,
communication, and administration for our clients.
We also seek the best voluntary benefits in each class for our client groups.
Assists ProEnergy with overall benefit strategy and solutions to provide best in
class benefit program
Support participants with claim and coverage issues
ProEnergy 2015 Enrollment DatesNovember 10th – November 21st
Desire to make everyone an informed Consumer. “You will learn something New”
Open Enrollment
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Being Part of the ProEnergy Team Has its Benefits!
Exciting News and Changes for 2015… Active communication and enrollment of benefits by BenefitsDirect and
CBIZ
No changes to Core Benefit Plan Designs
New and Improved Voluntary Benefits
Open Enrollment
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Being Part of the ProEnergy Team Has its Benefits!
Open Enrollment is the time for you to be…. Learn about new and unused options or new wrinkles for you and your
family as part of the ProEnergy team.
Re-evaluating your current benefit elections and make needed changes for the upcoming plan year.
Familiarize yourself with available resources
Asking questions regarding your own specific situation and how these benefits may work in best protecting your financial well being.
Open Enrollment
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Group Medical Plan Benefit
Group Dental Plan Benefit
EAP
Vision Benefits
Basic Life/AD&D
Optional Term Life
Voluntary Short Term Disability
Long Term Disability
Flexible Spending Account
Voluntary Cancer/ICU
Voluntary Accident
Voluntary Critical Illness
Voluntary Hospital Indemnity
Today we will cover the following:
Open Enrollment
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Group Medical
Providing ProEnergy Employees a
Cost Effective & Comprehensive Plan Design
Healthcare costs nationwide to rise almost
7 – 12% for 2015
Midwest Employers: Cost increase per employee since 2012: 6.5% PE=1.2% Average Plan Copay: $35 PCP/$50-$60 Specialist PE=$30 Average Plan Deductible: $1,000 PE=$575 Made Plan Design Changes to Offset Costs: 70% PE=No changes in 5 yrs Average EE Paid Portion of Family Coverage 29% PE=20%
ProEnergy: Plan Cost Increase since 2011 - 1.2% No Plan Design Changes for 2015! No benefit reductions or cost shifting over the last 5 years! 90% of health plans made significant changes in plan design and/or contribution strategy to offset
costs MEC and MVP Options now available in 2015 for those previously ineligible for medical benefits
Open Enrollment
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Traditional Health PlanPreferred-Care Blue – PPO (Preferred Provider Organization)
No selection of Primary Care Physician (PCP)Coverage In and Out of NetworkNational and International Coverage 24 Hour Nurse Line
Your 2015 Medical Plan
Open Enrollment
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www.bluekc.com
BlueKC Member PortalView EOB’sTrack ClaimsReview BenefitsPrint Temporary I.D. cardsOrder permanent I.D. cardsAdded Value ServicesBlue365 DiscountsWell Baby ExamsDiscounts for gym membershipHealth & Wellness ResourcesAlternative Medicine
It’s Not BlueCross.Com
Open Enrollment
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Find a Doctor or HospitalLogin as a Member1. Choose your network2. Search by name, specialty3. Designate mile radius4. Search for Pharmacies5. Search for Urgent Care facilities6. BlueKC – Versus BlueCard
Open Enrollment
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Routine Preventive Services
In-Network routine preventive services and the related office visit for routine preventive services covered at 100%
• Annual Physicals• Childhood immunizations• Well women exams including mammograms• PSA Tests• Colorectal cancer exams• 2014 My Health Rewards - $25 gift cards for completing your
HRA and BioMetric screening must redeem by November 30th! This program will end this month.
• See our local Walgreens for your flu shot and Zostabvax covered at 100% as well as preventative care above the waist!
• Results from the HRA will be reviewed in 2015
Services MUST be PreventiveServices MUST be done in a different calendar year
.
Open Enrollment
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Nurse Line Benefits
Registered nurses ready to take your call 24 hours a day…365 days a year!
Convenient alterative when your doctors office is closed.
Immediate Knowledge.
Open Enrollment
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Exclusively For Our MembersBlue365 online resources include:
Tools to help employees make the best choices about their health
Select discounts and savings on products and services they can use to improve and maintain health
Select companies include:
Open Enrollment
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PPO – Preferred Provider Organization A health plan that encourages you to seek services from a network of participating providers. A PPO does not require
a Primary Care Physician, referrals to specialists or other healthcare providers.
Annual Deductible Deductible is the amount you pay to providers for services received during each calendar year before Blue Cross Blue
Shield benefits begin. The Deductible runs from January 1 through December 31 and re-sets January 1 the following year. Services provided out side of the doctors office will apply to the deductible.
Coinsurance Coinsurance is the percentage of an Allowable Charge you must pay until you reach the Out-of-Pocket Maximum.
Out-of-Pocket Maximum The Out-of-Pocket Maximum is the maximum dollar amount you pay toward covered services. Once you have paid
the Out-of-Pocket Maximum, the plan pays 100% of covered services for the remainder of the calendar year. This Maximum includes all covered member medical services. Does not include copays and Rx copays.
Copayment A copayment, or copay, is a set dollar amount you pay each time you receive a covered service. Members commonly
have a copayment for doctor’s office, Emergency Room, Urgent Care Visits and prescription drugs. The member pays the copay amount at the time of service.
Terms and Definitions
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www.bluekc.com In-Network Out-of-Network
Deductible: Individual $575 $1,150
Deductible: Family $1,725 $3,450
Coinsurance (your share): 20% 40%
Inpatient or Outpatient Services
Deductible then 20% Deductible then 40%
Radiology, Hi-Tech Scans Deductible then 20% Deductible then 40%
Office Visits(includes lab services performed in office or network lab)
$30 Deductible then 40%
Urgent Care $30 copay Deductible then 40%
Emergency Room $100 copay then deductible then 20%(copay waived if admitted)
Out-of-Pocket Maximum**: Individual
$2,300 $4,600
Out-of-Pocket Maximum**: Family
$4,600 $9,200
**Out-of-Pocket Maximum does not include copays.
ProEnergy
•Network Utilization = 99.3%
•63% of our members spend less than $500 in claims
Open Enrollment
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Prescription Drug Coverage Approximately 17-18 % of claims are from
prescription drugs Smart utilization of your prescription drug
benefits means you save $$ Pharmacies are competing for your
subscriptions - Check with Wal-Mart or Bings for $4 generic prescription drugs
Brand Name Drug (30 day supply ) Cost Copay Plan Pays Generic BrandLipitor $203 $30 $173 $4.00Wellbutrin $679 $30 $649 $6.47
Certain drugs may require prior authorization, have quantity limitations or require step therapy (Generics First). Refer to www.BlueKC.com for additional details.
34 day supply
In-Network Pharmacy
Tier 1: $10
Tier 2: $30
Tier 3: $50
102 day supply (one month free)
Express Scripts Mail-Order
Tier 1: $20
Tier 2: $60
Tier 3: $100
•ProEnergy generic utilization – 84.4% •BCBS Average utilization - 82%•Best in class – 89%
•ProEnergy mail order utilization <3%!
Open Enrollment
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Dental InsuranceCost effective/Comprehensive Design
ProEnergy provides a contribution to the Dental plan
Increasing voluntary options – Approximately 40% of employers DO NOT contribute to their dental plan
No changes for 2015
Delta Dental has 15 Premier Dentists and 10 PPO Dentists within a 25 mile radius
Open Enrollment
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Plan Features PPO Dentist Premier Dentist Out-of-Network
Diagnostic & Preventive ServicesOral exams, twice per calendar yearBitewing x-rays – limited to one set in any 12 monthsFluoride, once in 6 months for dependents under age 12
100% 100% 100%
Basic Services Oral evaluations (problem focused) limited to one in 12 monthsConsultationsPeriodontics: gum diseases, Endodontics: root canal
90% 80% 80%
Major ServicesImplants, once in 10 yearsCrowns, jackets, labial veneers, inlays and onlays when required for restorative purposes, once in 10 yearsProsthetics – bridges and dentures, once in 10 years
60% 50% 50%
Orthodontic Services 50% 50% 50%Calendar Year Deductible(applies to Basis and Major Services Only) $50 per person / $150 family limitCalendar Year Benefit Maximum $1,000 per personLifetime Orthodontic Maximum $1,000 per child
Dependents are covered through the end of the month in which they turn age 26
Delta Dental
Open Enrollment
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Delta Dental PPO network will provide the highest level of benefits for covered services when care is received from a Delta Dental PPO dentist.
These dentist agree to:– Accept payment based on a reduced fee schedule, with no balance
billing–reducing your out-of-pocket expenses.– Submit dental claims for members and abide by Delta’s policies.– Charge members only their deductible, co-insurance, and costs for
non-covered services at the time of visit because Delta Dental pays the dentist directly.
Your out-of-pocket expenses will be lowest when you see a Delta Dental PPO dentist.
Delta Dental Networks - PPO
Open Enrollment
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Delta Dental Networks - Premier
Delta Dental Premier offers you greater access to dentists while still offering the advantages of a network. These dentists have participating agreements with Delta Dental which require them to:– Accept payment based on Delta’s contractual agreement – which means
no balance billing for charges that exceed the contracted amount.– Submit dental claims for members and abide by Delta’s policies.– Charge members only their deductible, co-insurance, and costs for non-
covered services at the time of visit because Delta Dental pays the dentist directly.
Find Your Network Providers Online at: www.Deltadentalmo.com By phone: 1-800-392-1167
Open Enrollment
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If you receive services from a non-participating dentist (does not participate in either PPO or Premier network) benefits for covered services are based on the maximum plan allowance:– You will be responsible for filing your own claim forms.– Delta Dental’s benefit payment will be made directly to you.– You will be responsible for the difference between the dentist’s
charge and Delta Dental’s maximum plan allowance.
Out of Network
Important Tip!Your out-of-pocket expenses may very likely be more when you use a non-participating dentist.
Open Enrollment
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EAP – GuidanceResources ProgramBenefits available 24/7
800.311.4327 or GuidanceResources.com Web ID GEN311
Confidential Counseling on Personal Issues (telephonic)Legal Information, Resources and ConsultationFinancial Information, Resources and ToolsOnline Access
Cost: IT’S EMPLOYER PAID!
Open Enrollment
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Two types of flex accounts being offered:
What is a FSA?
Medical Reimbursement FSA
Dependent Care FSA
*Enrollment Form Required
Flexible Spending Accounts (FSAs) allow you to set aside money from your paycheck on a pre-tax basis to pay for medical and child care expenses. Most people can save at least 25% on each dollar that is set aside, for expenses they are paying for anyway!
New Provider - Flex Made Easy
Open Enrollment
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FSA Savings ExampleWithout FSA With FSA
Gross Pay $35,000 $35,000FSA Contribution (Health Care & Dependent Care)
$0 -$2,500
Taxable Income $35,000 $32,500Taxes (Fed, State & FICA) -$10,500 -$9,750
Out-of-pocket Expenses -$2,500 -$2,500
Reimbursement from FSA $0 $2,500
Take Home Pay $22,000 $22,750
You Save $750 per year by using a FSA!
Open Enrollment
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Medical Reimbursement FSA
• With rising healthcare costs, every penny counts.
• Elect pre-tax dollars to be used toward eligible healthcare expenses.
• Annual contribution is 100% available on the first day of the Plan Year.
• $2,500 maximum contribution per year
• If you do not use the money you contributed you are allowed to carry $500 of unused dollars forward and use in the next plan year. Any amount over $500 will not be refunded to you. Big change to the “Use it or lose it”
Open Enrollment
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Eligible Expenses
• Co-pays and deductibles• Medical office visits• Prescription drugs• Dental/orthodontia care• Vision care• Vaccinations• Smoking cessation
programs• Mileage to-from doctor
appointment
Ineligible Expenses
• Insurance premiums• Cosmetic procedures• Personal hygiene products• Vitamins/supplements• Diet products/food• Health club fees
For a more detailed list go to www.FlexMadeEasy.com
Open Enrollment
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Dependent Care FSA
Elect pre-tax dollars to pay for eligible dependent day care services generally used for work related child care expenses, but you can also use these funds to pay for work related expenses for older tax dependents who are not capable of self-care.
Up to age 13 / Child or Adult who is physically or mentally incapable of caring for him/her if the care will allow participant & spouse to work
$5,000 per household, per calendar year max
Eligible Expenses• Daycare expenses• Before and after school care• Nanny expenses• Nursery school• Registration fees• Elder care
Ineligible Expenses• Tuition• Transportation• Activity fees/supplies• Field trips • Overnight camps
Open Enrollment
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Access your funds by:
Debit Card • Use at point-of-service for qualified health care expenses• Great for co-pays, prescriptions & other eligible out-of-pocket
expenses not covered by the health plan• Two cards will be sent to each enrollee• Always keep your receipts for FME or IRS verification
• Traditional Claims reimbursement• Explanation of Benefits (EOBs) & reimbursements
for Health Care• Payments made daily• Check reimbursement or Direct deposit
FSA Claim
Open Enrollment
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Through either FlexMadeEasy.com or FME Mobile App
You can: Check account balance Submit a reimbursement request Print forms Sign up for direct deposit
Open Enrollment
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Plan Features In-Network - Copays Out of Network Frequency
Wellness Exam: Focuses on your eyes and overall wellness
$10 Copay Up to $50 Every calendar year
Prescription Glasses $25 Copay Up to $70
Frames:$120 allowance 20% savings on amount over allowance
Included in Prescription Glasses
Included in Prescription Glasses
Every OTHER calendar year
Lenses:Single vision, lined bifocal, and lined trifocal lensesPolycarbonate lenses for dependent children
Included in Prescription Glasses
Single Lenses: up to $50
Lined Bifocal: up to $75Lined Trifocal: up to $100
Every calendar year
Lens Enhancements:• Standard progressive lenses• Premium progressive lenses• Custom progressive lenses
$50 $80 - $90
$120 - $160Up to $75 Every calendar year
Contacts (instead of glasses):• $120 allowance for contacts & contact
lens exam (fitting and evaluation)• 15% savings on contact lens exam
(fitting & evaluation)
$0 Up to $105 Every calendar year
VSP Plan Benefits
Open Enrollment
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Local Providers:
Physicians & Surgeons Optical Service
Barbara L Knight
Sedalia Optometric Clinic
Sedalia Eye Assoc
Family Eyecare
Eye Clinic
Vision Health Eyecare Center
Important Tip! Maximize Your Vision Plan Benefits By Only Using an In-Network Provider!
Open Enrollment
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Exam/Eyewear Without VSP With VSP Out of NetworkEye Exam $154 $10 copay $104
Frame $120 $25 copay $50
Single Vision Lenses $86 Included in Prescription Glasses
$36
Anti-reflective Coating $110 $61 $71
Photochromic Adaptive Lenses
$103 $62 $72
Total $573 $158 $333
Eye exams is one of the most important exams you can do for your over all health. They'll look for signs of health conditions like diabetes, high cholesterol, high blood pressure,
glaucoma, and macular degeneration.
Vision Insurance Savings Potential*
Open Enrollment
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Basis Term Life AD&D
Employees are covered for
$35,000Additionally, you will receive Accidental Death and
Dismemberment (AD&D) coverage in the amount of $35,000. Please be sure your beneficiary information is up to date for all life insurance coverage.
Cost: IT’S EMPLOYER PAID!
Open Enrollment
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Optional Term Life Insurance Do you have enough Life Insurance???
Burial Expenses
Income Replacement (3-10 years)
College Tuition for Kids
Debts to Pay Offo Mortgage
o Any Outstanding Debts
Nearly 50%... NO Life
Insurance at All!
33
Important Tip!When selecting coverage, think about the people you love and the people that you owe!
Open Enrollment
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Optional Life Insurance• Employee’s $10,000 - $1,000,000 of coverage (Not to exceed 7 Times Salary)
• Employee’s Guaranteed Issue (Initial Eligibility Period Only)
• Up to $200,000
• Spouse’s $5,000 - $250,000 of coverage (Not to exceed 50% of Employee)
• Spouse’s Guaranteed Issue (Initial Eligibility Period Only)
• Up to $50,000
• Children Guaranteed Issue (Initial Eligibility Period Only)
• Age 14 Days-19 Year (26 if Full-Time Student): $10,000
• 46 year old Male $0.260 per $1,000 vs. $2.07 per $1,000 of 10 yr term
• 28 year old Male $0.500 per $1,000 vs. $1.29 per $1,000 of 10 yr term
• 35 year old Female $0.100 per $1,000 vs. $1.29 per $1,000 of 10 yr term
Open Enrollment
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Short Term DisabilityBenefits and Features
The Short Term Disability plan pays a benefit of 60% weekly earnings to a maximum of $1,000 per week.
Benefits begin on the 15th day of a covered disability resulting from an accident or sickness, and payable up to a maximum of 11 weeks for any one covered disability.
Cost: $3.65 per week**Examining salary-based contributions in the future**Must use vacation time first
Portion will be tax free and a portion will be taxed
Open Enrollment
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Benefits and FeaturesEach employee is provided up to 60% of his or her earnings
not to exceed $15,000 per month.
Benefits begin on the 90th day – to age 65 or SSNRA
Coordinating benefits with same provider make for an easier transition from Short Term Disability to Long Term Disability
Cost: IT’S EMPLOYER PAID!
Long Term Disability
Open Enrollment
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The Impact of Disability
Many people believe that their biggest asset is their home.
For most of us, our biggest asset is the ability to work and earn an income.
Not being able to work – due to a disability can be financially devastating.
How likely is it that you will become disabled?
30% of all Employees between the ages of 35 and 65 suffered a disability lasting at least 90 days.
Potentially a buy up option next year
Long Term Disability
Open Enrollment
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New Provider - Supplemental Insurance Benefits
Voluntary Benefits that are designed to pay YOU cash when you need it most
• 2009 Harvard University Study – Bankruptcies in America• Health Insurance does not cover all costs in a serious injury or illness• Being part of the ProEnergy Team Means You Receive Better Benefits:
• Best in Class Approach• Underwriting Concessions• Group Rates
Open Enrollment
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New Provider - Cancer InsuranceUnderwritten by Loyal American Life
• 1 in every 2 American Men&
• 1 in every 3 American Women
American Cancer Society Statistic:
Cancer will strike…
Treatment is often done:
• OUT-OF-STATE
• OUT-OF-HOSPITAL
“We are winning the battle against this dreaded disease today now more than ever before in history, but often at a great personal financial toll”
Cancer is the second leading cause of death in the United
States
Open Enrollment
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Cancer Plan Comparison
AFLAC Classic Cancer Care Series A78300
Loyal
American
Cancer Wellness Benefit $75 $100
Initial Diagnosis Benefit $4,000; Child $8,000 $5,000; Child $7,500
Chemotherapy Benefit $600 per week $10,000 per calendar year
Radiation Therapy Benefit $350 per week $10,000 per calendar year
Stem Cell Trasplantation Benefit $7,000 lifetime max $15,000 lifetime max
Surgical/Anesthesia Benefit $100 - $3,400 $100 - $4,000
Skin Cancer Surgery Benefit $35-$400 $125 - $750
Surgical Prosthesis Benefit $2,000; lifetime max $4,000 $2,000; if surgically implanted breast
then actual charges.
Reconstructive Surgery Benefit $220 - $2,000 Actual charge up to $3,600
Transportation Benefit $.40 per mile, max of $1,200 $.50 per mile, no lifetime max
Lodging Benefit $65 per day; 90 days per year $75 per day; 100 days per yearColony Stimulating Factor/
Immunoglobulin Not Covered up to $1,000 per month
Intensive Care Unit - Any Illness or Injury
Not Covered Available Rider
Plan Rates - Weekly
Individual $7.32 $6.48
Insured and Spouse $12.45 $10.98
One-Parent Family $7.32 $7.94
Two-Parent Family $12.45 $10.98
Open Enrollment
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New Provider - Accident InsuranceUnderwritten by Lincoln Financial
Accidents Happen: Nearly 40% of self-reported episodes of injury leading to
hospitalization occurred during sports or leisure activities, and 44% occurred in or around the home.
-National Center for Health Statistics
Open Enrollment
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Accident Plan Comparison Aflac - Level 2 Lincoln Financial - Group Plan
Wellness Benefit
$60 per year, per insured (after 1st policy anniversary)
$60 per year, per insured, no wait
Hospital Admission $1,000 $1,000ICU Confinement $400 a day; 15 days per accident $400 per day; no limit
Follow-Up Treatment
$35 for one treatment per day (6 treatments)
$50 per follow-up visit (6 treatments)
Alternate Care & Rehabilitative Facility
not covered $100 per day
Blood, Plasma and Platelets / Tranfusions
$200 $300
Reasonable Accomodations to home/vehicle
$0 $2,500
Specific Covered Injuries* Fractures up to $2,500 up to $5,600
joint replacement
Not Included $1,500 non surgery / $2,000 surgery
Dislocations up to $2,500 up to $4,800Concussions $50 $100
Additonal Rider Options Sickness Hospital Coverage Not Included $100 per day, up to 30 days
Catastrophic Loss Not Included $50,000 Motor Vehicle Accident Benefit Not Included $500 per accident, per insured
Plan Rates - Weekly Individual $6.66 $4.31
Individual and Spouse $8.73 $6.61Individual and Children $9.78 $7.12
Family $12.18 $10.02
Open Enrollment
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New Provider - Critical Illness InsuranceUnderwritten by Loyal American
Critical Illness insurance acknowledges that we're far more likely to survive a heart attack or stroke today than we were just a few years ago in addition to other illnesses.
A quote from The American Journal of Medicine:
"The good news is you're likely to live, the bad news is you're likely to be broke.”
In fact, more than 60% of all U.S. bankruptcies in 2007 were caused by medical bills and 78% of those individuals had health insurance, according to a national study published in The American Journal of Medicine in 2009
Heart Attacks will strike 1 in every 3 American Men and 1 in 4 American Women
Strokes will strike 1 in every 6 American Men and 1 in 8 American Women
Open Enrollment
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Critical Illness Plan Comparison
Aflac Critical Care and Recovery
Loyal American
Critical Illness
First Occurrence Benefit Amount $5,000 Max
Employee May Elelect from $5,000 to $50,000
First Occrence Benefit - Spouse $5,000 Max 50% of Employee Benefit Amount
Re-Occurrence Benefit $2,500 100% of Elected Benefit Amount
Re-Occurrence Waiting Period 6 Months 6 Months
Covered Illnesses Cancer 0% Optional Rider Now Available
Heart Attack 100% 100%
Stroke 100% 100%
Renal Failure 100% 100%
Coma 100% 100%
Paralysis 100% 100%
Severe Burn 100% 100%
Angioplasty $250 25%
Open Enrollment
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Critical Illness Plan - Rate Comparison
IndividualOld Aflac Plan
Loyal $10,000 Benefit
Loyal $20,000 Benefit
18-35 $3.78 $1.37 $2.27
36-45 $5.40 $2.70 $4.68
46-55 $7.35 $4.59 $8.13
56-70 $9.48 $7.21 $12.89
Single Parent
18-35 $6.48 $1.39 $2.30
36-45 $7.62 $2.74 $4.75
46-55 $9.81 $4.66 $8.25
56-70 $12.90 $7.31 $13.09
Insured & Spouse
18-35 $7.29 $2.18 $3.51
36-45 $9.48 $4.29 $7.25
46-55 $12.75 $7.30 $12.60
56-70 $17.76 $11.46 $19.98
Family
18-35 $8.28 $2.18 $3.51
36-45 $10.50 $4.29 $7.25
46-55 $14.04 $7.30 $12.60
56-70 $19.29 $11.46 $19.98
Open Enrollment
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New Plan- Hospital IndemnityUnderwritten by Aflac
Hospital care and physician clinical services combined account for over half – 51% of the nation’s health expenditures
-Health Affairs, 2012 The average cost per inpatient day for a hospital stay is $1,910!
-State Health Facts, Kaiser Family Foundation, 2012 Of all Americans, 17% said they experienced serious financial problems due to family
medical bills.-Kaiser Family Foundation, June 2010
Aflac’s Group Hospital Indemnity plan is one the most benefit rich plans offered today.• Provides benefits for both injuries and sickness• Hospital Admission Benefit• Surgical Benefit• And much more!
Open Enrollment
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Hospital Indemnity Plan Features
Aflac Hospital Advantage
A49000 - Option 4 Aflac Group Supplemental Hospital
Indemnity Coverage Plan Initial Hospital Confinement $1,000 $1,000 Hospital Emergency Room $100 up to two times per year $50 up to 5 times per year
Hospital Short-Stay $100 up to two times per year $150 per daySurgical Benefit up to $1,000 up to $1,500
Ansesthesia Benefit NA up to $375Physician Visit $25 per visit $50 in Emergency Room
Out-of-Hospital Rx NA $10 per prescriptionWell Baby Care NA $25 per visit, 4 visits per calendar year
Medical Diagnostic & Imaging $150 once per year NADaily Hospital Confinement $100 per day $150 per day
ICU Confinement $100 per day $150 per day
Plan Rates - WeeklyTier Aflac-Option 4 Aflac Group Hospital Indemnity Plan
Employee $13.26 $9.42Single Parent $17.88 $14.39
Inusred & Spouse $22.20 $18.70Family $23.43 $23.67
Open Enrollment
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Supplemental Plans - Important Features
Existing health issues can’t keep you from getting coverage during the open enrollment – GI offering
Plans pay in addition to all other insuranceBenefits are paid to you, unless directed otherwise Wellness screening benefits help reduce the plan
costs – take advantage You cannot be singled out for rate increasePlans are portable = It can go with you if you leave
or retire from ProEnergy
Open Enrollment
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2015 Employee Benefit Contributions
Medical - BlueKC
Current Weekly Rate
2014New Weekly Rate
1/1/2015 Weekly Change Employee $19.07 $19.74 $0.67 Emp/Spouse $33.38 $34.54 $1.16 Emp/Chid(ren) $32.54 $33.68 $1.14 Emp/Family $50.90 $52.68 $1.78
Dental and Vision - Delta Dental & Superior Vision
Current Weekly Rate
2014New Weekly Rate
1/1/2015 Weekly Change Employee $5.00 $5.00 $0.00 Family $10.00 $10.00 $0.00
Short Term Disability - Prudential
Current Weekly Rate
2014New Weekly Rate
1/1/2015 Weekly Change Employee $3.00 $3.65 $0.65
Open Enrollment
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Pre-Tax Products
Health, Dental, Vision & Flex
Cancer Insurance
Accident Insurance
Hospital Indemnity
Post-Tax Products
Term Life
Short Term Disability
Critical Illness Insurance
Payroll Deduction Information
Example Qualifying EventsChange in Legal Marital Status
Change in Number of DependentsChange in Employment Status
Gain/Loss of CoverageChange in Status Affecting Dependent Eligibility
Open Enrollment
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Key information:
Links to all pertinent information are available at:
www.benefits-direct.com/proenergy
Call (877) 523-0176 Employee Benefits Booklet
Open Enrollment
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What now? Schedule your appointment to attend your one-on-one
enrollment session– Schedule online at www.mybenefitsportal.com/proenergy– Call (877) 523-0176– Just say that you are with ProEnergy and would like to schedule
an appointment with a Benefit Counselor– Sign up now!!
Open Enrollment
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Your CBIZ TeamSara CarrollSenior Account ExecutiveDirect Line: 800-530-5866 ext 1849Fax: [email protected]
Heather DeVoreAccount ManagerDirect Line: 800-530-5866 ext 1024Fax: [email protected]
Your BenefitsDirect TeamTrevor GartnerVice PresidentPhone: 877-523-0173 ext 118Fax: [email protected]
Eric PetersonAccount ManagerPhone: 877-523-0176 ext 136Fax: [email protected]
Who do I contact with questions?