January 1 2019 Welcome BCF Solutions Inc takes great pride in offering our employees a competitive benefits package In spite of rising healthcare costs we continue to offer our employees programs that deliver quality and value while maintaining the diverse needs of our workforce ID: 728363
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BCF Solutions, Inc.Employee Benefits Overview January 1, 2019Slide2
Welcome!
BCF Solutions, Inc. takes great pride in offering our employees a competitive benefits package. In spite of rising healthcare costs, we continue to offer our employees programs that deliver quality and value, while maintaining the diverse needs of our workforce. Employees can help control the escalating costs of healthcare with a few simple steps. Regular check-ups, personal exercise programs, and healthy behaviors like smoking cessation will lead to an improved personal well-being, and help us keep our costs in check.BCF Solutions, Inc. is excited to announce that we will continue to offer medical coverage through our carrier CIGNA! CIGNA offers both a large network of participating providers through its National PPO network and comprehensive benefits for our workforce. In addition, BCF Solutions, Inc. will continue to offer both dental and vision coverage through CIGNA. The BCF Solutions, Inc. management team has worked diligently in evaluating each of these benefit programs in order to provide you with a reliable, effective, and affordable array of choices that will meet your needs and those of your family. Please know your dedication and commitment is much appreciated! Slide3
BCF Solutions, Inc. Benefits Package Overview
Today we will review:CIGNA Medical Plan, CIGNA Dental Plan & CIGNA Vision Plan Guardian Life/AD&D and Disability plansEnrollment Details & RemindersResourcesSlide4
How your Cigna plan works
YOUR PLAN OPTIONSConfidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 CignaSlide5
4
How your plan worksMedical plan highlights
You save money by using in-network doctors and facilities
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna
High PPO Plan
Low PPO Plan
In-network
In Network
Out-of-Network
In Network
Out-of-Network
Deductible
$1,000 Individual
$2,000 Family
$2,000 Individual
$4,000 Family
$2,000 Individual
$4,000 Family
$4,000 Individual
$8,000 Family
Coinsurance
0%
after deductible is met
20%
after deductible is met
0%
after deductible is met
20%
after deductible is met
Medical Out-of-pocket maximum
(medical deductible, coinsurance, and copays)
$4,500 Individual
$6,550 Family
$6,000 Individual
$12,000 Family
$6,350 Individual
$12,700 Family
$15,000 Individual
$30,000 FamilySlide6
5
How your plan worksMedical plan highlights
You save money by using in-network doctors and facilities
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna
High PPO Plan
Low PPO Plan
In-Network
In Network
Out-of-Network
In Network
Out-of-Network
Preventive care
(Annual Wellness Visit)
$0
20%
after deductible is met
$0
20%
after deductible is met
Primary care physician office copays
$5 copay
20%
after deductible is met
$20 copay
20%
after deductible is met
Specialist physician office copay
$30 copay
20%
after deductible is met
$20 copay
20%
after deductible is met
Urgent care
$50 copay
20%
after deductible is met
$20 copay
20%
after deductible is metSlide7
6
How your plan worksMedical plan highlights
You save money by using in-network doctors and facilities
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna
High PPO Plan
Low PPO Plan
In-network
In Network
Out-of-Network
In Network
Out-of-Network
Outpatient lab and x-ray
0%
20%
after deductible is met
0%
20%
after deductible is met
Outpatient advanced radiology
0% after $100 Copay
20%
after deductible is met
0% after $100 Copay
20%
after deductible is met
Inpatient hospital services
0% after plan deductible is met
20%
after deductible is met
0% after plan deductible is met
20%
after deductible is met
Outpatient hospital services
0% after plan deductible is met20%after deductible is met 0% after plan deductible is met20%after deductible is met
Crestwood Hospital in Huntsville, AL is
NOT
in the CIGNA Network!! Crestwood Hospital is
O
ut-of-Network
.Slide8
High PPO Plan
Low PPO Plan
In-Network
Retail
(30-day supply)Home Delivery/Retail
(90-day supply)
Retail
(30-day supply)
Home Delivery/Retail
(90-day supply)
Generic
You pay $15
You pay $30
You pay $15
You pay $30
Preferred brand
You pay $35
You pay $70
You pay $35
You pay $70
Non-preferred brand
You pay $60
You pay $120
You pay $60
You pay $120
This chart shows the amounts you’ll pay for covered services after your plan deductible has been met. Not all prescription drugs are covered under your plan. Health benefit plans vary, but in general to be eligible for coverage a drug must be approved by the Food and Drug Administration (FDA), prescribed by a health care professional, purchased from a licensed pharmacy and medically necessary. If your plan provides coverage for certain prescription drugs with no cost-share, you may be required to use an in-network pharmacy to fill the prescription. If you use a pharmacy that does not participate in your plan’s network, your prescription may not be covered, or reimbursement may be limited by your plan’s copayment, coinsurance or deductible requirements. Refer to your plan documents for costs and complete details of your plan's prescription drug coverage.
You save money by using
generic
drugs and mail-order
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Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna
How your plan works
Prescription plan highlightsSlide9
Use the emergency room for true emergencies
Emergency care is covered 24 hours a day, in or out of the network.But avoid the emergency room for minor injuries – visits to urgent care and convenience care clinics are also covered and will cost less Locate a convenience care clinic near you, before you need itWalk right in. You can get quick, convenient access to quality medical care. Convenience Care Clinics include:MinuteClinicRediClinicSutter Express CareTake Care HealthTarget ClinicThe Little Clinic
Information to help you save moneySaving on health care costs8
AllergiesBladder infectionsBronchitisCold soresEar infectionsInfluenzaImpetigoLaryngitisMinor burns, rashes
or skin infectionsPink eye and sty'sSinus infectionsStrep throat
When to use Convenience Care?
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna Slide10
Your plan includes generics and lower-cost (“preferred”) brands
to help you stay healthy and save money.Generics offer the best value.Know what brand name drugs are covered in your plan.If a generic is not available, you will usually pay less for preferred brands. Non-preferred brands will generally cost you more.Information to help you save moneySaving on prescription drugs9
Call 1.800.285.4812 to order by phone
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna
Find the complete list of covered medications on myCigna.com Slide11
Convert your maintenance medication to a 90-Day Supply via mail order or retail
Possible lower out-of-pocket cost* Compare prices on myCigna.com or the myCigna Mobile App Only 2x the copay for 3x the medicationGeneric versions of your medication help you save moneyNo extra charge for supplies (syringes, needles, etc.)Information to help you save moneySaving on prescription drugs
10Call 1.800.285.4812 to order by phone
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna *You could save money by ordering a 90-day supply through our home delivery program compared to retail pharmacy prices. Actual costs will vary.
24/7/365 Service
Order by phone or mail
Get up to a 90-day supply Refill orders online
Talk with a licensed pharmacist
Free standard shippingSlide12
Use the most appropriate health care professional
Find network doctors, hospitals or other health facilities online, by phone or with any web-enabled mobile deviceLower your costs by choosing health care professionals who participate in the Cigna networkGet information on the cost of treatment before receiving caremyCigna.com has quality of care information and cost estimates for over 200 medical procedures and treatmentsIn-network health care professionals and facilities can give you estimates that will show your actual out-of-pocket expensesInformation to help you save moneySaving on health care costs
11Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna
Quality designations, cost-efficiency, and other ratings reflect a partial assessment of quality and should not be the sole basis for decision-making. They are not a guarantee of the quality of care that will be provided to individual patients. You are encouraged to consider all relevant factors and consult with your physician when selecting a health care professional or facility for care. Health care professionals and facilities that participate in the Cigna network are independent contractors solely responsible for the treatment provided to their patients. They are not agents of Cigna.Slide13
12
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna
SUPPORTING your healthSlide14
Supporting your health
Educational and coaching programs to support YOUCondition management programsHealth advocatesMycigna.com24/7 customer service24/7 health information line Supporting a culture of well-beingWorkplace measures to promote healthy choicesThis meeting!
Information on Cigna programs and resourcesNewsletters about healthy livingUpcoming eventsCommunications to look for13
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna Slide15
14
My Health tab on myCignaSimple all-in view of health – risks and goals
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 CignaSnapshot view of health status Recommendations customized for youDynamic – updated based on where you are in your health journeySolution supports integration of live coaching with digital supportSlide16
Gamified health assessmentDesigned to be a simple and fun way to start your health journey –
and learn critical insights about your health. 15
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 CignaSlide17
16
Apps and activities Your app and device data in a personalized dashboard view
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 CignaDashboard view shows customer activity across all apps and tools
Displays apps – recommended
for you
Customers can share progress with their coach for extra supportSlide18
Coach by Cigna
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Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 CignaA health and fitness app that’s all about you**The Coach by Cigna app is for educational purposes only and intended to promote consumer health. It does not constitute medical advice and is not intended to be a substitute for proper medical care provided by a physician. Individuals are encouraged to consult with their doctor or other health care professional for appropriate medical treatment and health care recommendations
Coach by Cigna gets people focused on what matters most in 5 integrated lifestyle areas:
ExerciseFoodSleep StressWeight
It’s like having a team of health coaches in the palm of your hand.Slide19
18
Support for your chronic condition
Helping you stay healthy
Online and telephonic coaching services are available to help manage health conditions.
Online coaching programs help you maintain a healthy lifestyle: Weight management, tobacco cessation, and stress management.If you have one of these conditions, you’ll have additional support available to you. Cigna may reach out to customers
and customers can connect with Cigna anytime via 24/7/365 support – call the number on the back of your ID card:
Asthma
Heart disease, CAD, AMI,
Heart failure, Angina
COPD
Diabetes type 1 and 2
Metabolic syndrome
Peripheral arterial disease
Low back pain
Osteoarthritis
Depression, anxiety and bi-polar
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna
Supporting a culture of well-beingSlide20
19
Cigna Healthy Rewards®Helping you stay healthyEye care – exams, frames and lenses, laser vision correctionWeight management – Jenny Craig®Smoking cessation programsHearing careFitness club memberships Alternative medicine – acupuncture, chiropractic care, massage therapyMind/body –
Yoga Journal and SpaFinderTM and much moreFind under the My Health Tab, in Programs and Resources*Healthy Rewards is a discount program. Some Healthy Rewards programs are not available in all states and programs may be discontinued at any time. A discount program is NOT insurance, and the customer must pay the entire discounted charge.
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna
Discounts on a full range of health and wellness programs and services*Slide21
20
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna
The Cigna Healthcare Healthy Babies® maternity program provides expectant mothers with the information and support they need to optimize their chances of having a healthy, full-term pregnancy.
This program provides educational resources to help expectant mothers deliver healthy babies. Customers can enroll by calling the number on their ID card.
Increasing awareness and actionSlide22
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CIGNA
Reliable and personal service when you need us
Call us anytime,
day or night
Coverage details
Claim information and history
Directory of doctors, hospitals, facilities
Print a temporary ID card or order a new ID card
Health information and tools
Frequently asked questions
Cost of care and quality comparison tools
Find all of your information when you need it at
http://www.mycigna.com/
Mobile site and myCigna app deliver information on the
go*
All customers can access myCigna via mobile device using internet browser
myCigna mobile app
also available
1.866.494.2111
Customer Service and Health Information Line are 24/7
We speak your language
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna
*The downloading and use of the myCigna mobile app is subject to the terms and conditions of the app and the online stores from which it is downloaded. Standard mobile phone carrier and data usage charges apply. Slide23
MyCigna.com Mobile site and app deliver
health information on the goAll customers can access myCigna via mobile device using internet browsermyCigna mobile app availableFeatures:Find a doctor, dentist, pharmacy or facilityView, print, and email ID card informationSearch and view claimsDrug searchView plan coverage and authorizations
Organize and manage personal health information with the Health Wallet22
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna Slide24
Remember these tips to help save money
Keeping you and your finances healthier
23Care OptionsUse the emergency room for true emergenciesDon’t wait: locate a convenience care clinic or urgent care facility near you, before you need itPrescription drugsFind the complete list of covered medications on myCigna.com Convert your maintenance medication to mail-order
Health are professional choiceUse the health care professional most appropriate for your careUse Cigna Care Designation to find quality, cost-effective physiciansUsing preferred labs can saves you moneyProactive measuresUtilize the health improvement tools available to youGet information on the cost of treatment to ensure there are no surprisesUtilize your preventive care benefit
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna Slide25
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How your plan worksDental plan highlights
You save money by using in-network dentists
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna
DPPO High Plan
Advantage Low Plan
In-Network
In Network
Out-of-Network
In Network
Out-of-Network
Calendar Year Deductible
$50 Per Individual
$150 Per Family
$50 Per Individual
$150 Per Family
Calendar Year Maximum
$2,750
$2,750
Preventive Services
100%
100%
Basic Services
80%
100%
Major Services
50%
60%
Out-of-Network Reimbursement
90th Percentile
Maximum Allowable Charge
Orthodontia
Not CoveredSlide26
PPO Standard Plan
Coverage
In Network
Out of Network
Exam Copay
$0
Up to $45
Materials Copay
$30
N/A
Eyeglass Lenses Allowances:
(one pair per frequency period)
-Single Vision
-Bifocal
-Trifocal
-Lenticular
Covered 100% after $30 Copay
Covered 100% after $30 Copay
Covered 100% after $30 Copay
Covered 100% after $30 Copay
Up to $32
Up to $55
Up to $65
Up to $80
Contact Lenses Allowances:
(one pair or single purchase per frequency period)
-Elective
-Therapeutic
Up to $80
Covered 100%
Up to $68
Up to $210
Frame Retail Allowance
Up to $80Up to $4425Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna How your plan worksVision plan highlightsSlide27
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Life and Disability
Plan HighlightsAll eligible employees must enroll in one of the Employer Paid Life Insurance Plans: Class I (Employees will pay for imputed income above $50,000)Basic Life: 2x salary to $200,000 MaximumAccidental Death and Dismemberment: 2x salary to $200,000 MaximumClass II (No Tax Implications to Members)Basic Life: 2x salary to $50,000 MaximumAccidental Death and Dismemberment: 2x salary to $50,000 MaximumImportant Reminder on Life Beneficiary InformationPlease take the time to update your beneficiary designation. It is important that the correct beneficiary information is on file.Short Term Disability: 60% of your weekly salary up to $1,500 weekly maximum. Benefits begin on the first day of an accident and 8th day for an illness and are payable up to a maximum of 13 weeks. Long Term Disability: 60% of your monthly salary to a maximum of $7,500. Why is Tax Choice important?The IRS delivered a premium taxation ruling allowing you, the employee, to choose whether your employer-paid premiums are taxed or not, which subsequently affects the taxability of any disability benefit payments you receive. - If you elect not to add employer-paid premiums to your taxable income, any benefits paid would be taxable (i.e.Pre-tax).
- If you elect to add the employer-paid premium to your taxable income, any benefits paid would not be taxable (i.e.Post-tax). Your election will stand for the benefit plan year and cannot be changed for any reason. You will have an opportunity to change your election prior to the next plan year.Slide28
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Flexible Spending Account (FSA)
Healthcare Spending AccountHealthcare Spending AccountThe Healthcare FSA allows you to set aside pre-tax earnings to pay for out-of-pocket healthcare expenses that are not covered by insurance. Helps you pay for out-of-pocket expenses like copays, deductible, orthodontia and vision expenses The annual maximum election amount is $2,650You must get a prescription from your physician in order to get reimbursed for certain over-the-counter drugs through your FSA fund NOTE: There is no debit/credit card for FSA Healthcare. Claims must be submitted for reimbursement.Employees must make an active election in Maxwell Health.Slide29
28
Flexible Spending Account (FSA)
Dependent Care Flexible Spending AccountDependent Care Spending AccountThe Dependent Care FSA helps you pay for certain dependent care expenses such as qualified licensed daycare, after school programs, day camp, and elder care facilities.Your child must be under the age of 13The annual maximum election amount per household is $5,000Both you and your spouse must work outside the homeNOTE: There is no debit/credit card for FSA Dependent Care. Claims must be submitted for reimbursement.Employees must make an active election in Maxwell Health.Slide30
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2019 Employee Contributions
You save money by using in-network doctors and facilities
January 1, 2019 - December
31, 2019Pre-Tax Semi-Monthly Employee Contributions
2019
Benefits
Employee Only
Employee + Adult
Employee + Child(
ren
)
Employee + Family
CIGNA Medical PPO High
$170
$450
$360
$520
CIGNA Medical PPO Low
$120
$420
$330
$490
CIGNA Dental PPO High
$10
$20
$20
$30
CIGNA Dental Advantage Low
$10
$20
$20
$30
CIGNA Vision PPO$2.50$5.50$5.50$8.50Slide31
How To Enroll Maxwell Portal:
Open Enrollment Dates: November 5 – November 16If you do not have any changes to medical, dental, vision, life, and/or disability, then your current benefit elections will remain in place for plan year 2019.If you want to enroll in benefits or make changes to your current plan(s), you must complete your elections on the Maxwell Health portal. In order to participate in FSA for 2019, you MUST enroll in Maxwell.All plan elections and/or changes must be completed by November 16th.Slide32
How To Enroll Maxwell Portal:
Entering personal and dependent informationComplete your personal information. Be sure to enter all required and additional information.Be sure to enter all dependent information even if you don’t intend to add them to your benefits at this time. Include all required AND additional information including dependent Social Security Numbers.Click Add Dependent for each additional dependent before moving forward.https://help.maxwellhealth.com/hc/en-us/articles/231748708-Selecting-benefits- during-annual-Open-EnrollmentSlide33
How To Enroll Maxwell Portal:
Enrolling in your benefitsFollow the left-hand bar as you add or waive each plan.For medical, dental, and vision plans, you can compare two or three plans against each other by checking the box for each plan and clicking Compare.You’ll choose which family members you want to cover on a product-by-product basis.As you select your benefits, they will be added to your online “cart” and once you’ve finished your selections, you’ll be able to review and “check
out”.https://help.maxwellhealth.com/hc/en-us/articles/231748708-Selecting-benefits- during-annual-Open-EnrollmentSlide34
Qualifying EventsIf you choose not to enroll in the medical, dental and/or vision plans during open enrollment, you will
not be eligible again until January 1, 2020. You cannot add, drop, or change your elections unless you have a qualifying event. Below are a few examples of a qualifying event:Birth of childAdoptionMarriageDivorce or legal separationDeath of a spouseChange in spouse’s employment statusSupporting documentation may be required (i.e. marriage license, birth certificate, etc.)You must notify HR within 30-days of any of these events.Slide35
Questions?
Please Contact:The Capital Group, LLC (BCF Solutions Broker) Primary Contact(s): Doug Gray Direct Line: 301.375-4204 Email: dgray@capgroupfinancial.com Maxwell Contact(s): Nick Getz Direct Line: 301.375-4203 Email: ngetz@capgroupfinancial.com Main Number: 301.214.7666 Fax: 888.569.3027 Website : www.capgroupfinancial.com