2017 Employee Benefits Open Enrollment

[spb_accordion width=”1/1″ el_position=”first last”] [spb_accordion_tab title=”Summary of Offerings” accordion_id=”” icon=””] [spb_text_block pb_margin_bottom=”no” pb_border_bottom=”no” width=”1/1″ el_position=”first last”]

Medical

[table type=”standard_minimal”]
[trow]
[thcol]Anthem Blue Cross[/thcol]
[thcol]$4,000 – 80%
HSA[/thcol]
[thcol]$4,000 – 100%
HSA[/thcol]
[thcol]$1,500
Traditional[/thcol]
[/trow]
[trow]
[tcol]Employee Only[/tcol]
[tcol]$0.00[/tcol]
[tcol]$29.00[/tcol]
[tcol]$65.00[/tcol]
[/trow]
[trow]
[tcol]Employee + Spouse[/tcol]
[tcol]$169.00[/tcol]
[tcol]$226.00[/tcol]
[tcol]$422.00[/tcol]
[/trow]
[trow]
[tcol]Employee + Children[/tcol]
[tcol]$126.00[/tcol]
[tcol]$176.00[/tcol]
[tcol]$384.00[/tcol]
[/trow]
[trow]
[tcol]Family[/tcol]
[tcol]$319.00[/tcol]
[tcol]$401.00[/tcol]
[tcol]$664.00[/tcol]
[/trow]

[/table]

*Dollar amounts in the table above represent each plan level’s monthly premium. For additional information, reference the Anthem Benefit Booklet.

[sf_button colour=”accent” type=”standard” size=”standard” link=”https://northriskpartners.com/wp-content/uploads/2013/10/Anthem-Benefit-Booklet.pdf” target=”_blank” icon=”” dropshadow=”no” extraclass=””]Anthem Benefit Booklet[/sf_button]

[hr]

Vision (Voluntary)

[table type=”standard_minimal”]
[trow]
[thcol]Anthem Blue Cross[/thcol]
[thcol][/thcol]
[/trow]
[trow]
[tcol]Employee Only[/tcol]
[tcol]$7.96[/tcol]
[/trow]
[trow]
[tcol]Employee + Spouse[/tcol]
[tcol]$13.92[/tcol]
[/trow]
[trow]
[tcol]Employee + Children[/tcol]
[tcol]$15.12[/tcol]
[/trow]
[trow]
[tcol]Family[/tcol]
[tcol]$23.08[/tcol]
[/trow]

[/table]

*Dollar amounts in the table above represent monthly premiums for each level of the plan.

Voluntary vision is elected separately from medical.
The plan is 100% paid by the employee.
Search for a doctor.

[hr]

Dental

[table type=”standard_minimal”]
[trow]
[thcol]HealthPartners[/thcol]
[thcol][/thcol]
[/trow]
[trow]
[tcol]Employee Only[/tcol]
[tcol]$10.00[/tcol]
[/trow]
[trow]
[tcol]Employee + 1[/tcol]
[tcol]$25.00[/tcol]
[/trow]
[trow]
[tcol]Family[/tcol]
[tcol]$50.00[/tcol]
[/trow]

[/table]

*Dollar amounts in the table above represent monthly premiums for each level of the plan.

North Risk’s dental plan will remain with HealthPartners.
Employee contributions for dental will remain the same for 2017.
Search for a dentist.
A full benefit summary is available for review on BerniePortal. For help navigating to BerniePortal, reference the How to Enroll section below.

[hr]

Short-Term Disability (Voluntary)

[table type=”standard_minimal”]
[trow]
[thcol]Lincoln[/thcol]
[/trow]

[/table]

The plan is 100% paid by the employee.
Cost is based on an employee’s salary and will be calculated for you in BerniePortal.
A full benefit summary is available for review on BerniePortal. For help navigating to BerniePortal, reference the How to Enroll section below.

[hr]

Long-Term Disability (100% Employer Paid)

[table type=”standard_minimal”]
[trow]
[thcol]Lincoln[/thcol]
[/trow]

[/table]

The plan is 100% paid by North Risk Partners.
You will need to elect on BerniePortal.
A full benefit summary is available for review on BerniePortal. For help navigating to BerniePortal, reference the How to Enroll section below.

[hr]

Life (100% Employer Paid)

[table type=”standard_minimal”]
[trow]
[thcol]SunLife[/thcol]
[/trow]

[/table]

The plan is 100% paid by North Risk Partners.
The benefit provides 2x your annual salary up to $100,000 for Life & AD&D insurance.
Dependent Life is also included at $5,000 for spouse and $5,000 per child.
A full benefit summary is available for review on BerniePortal. For help navigating to BerniePortal, reference the How to Enroll section below.

[hr]

Life (Voluntary)

[table type=”standard_minimal”]
[trow]
[thcol]SunLife[/thcol]
[/trow]

[/table]

Voluntary life insurance is available to elect for you, your spouse, and children.
The cost is 100% paid by the employee.
Evidence of Insurability is required to purchase voluntary life.
A full benefit summary is available for review on BerniePortal. For help navigating to BerniePortal, reference the How to Enroll section below.

[/spb_text_block] [/spb_accordion_tab] [spb_accordion_tab title=”FAQs on Offerings” accordion_id=”” icon=””] [spb_text_block pb_margin_bottom=”no” pb_border_bottom=”no” width=”1/1″ el_position=”first last”]

[table type=”standard_minimal”]
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[thcol][/thcol]
[thcol]Question[/thcol]
[thcol]Answer[/thcol]
[/trow]

[trow]

[tcol]1[/tcol]
[tcol]Will I be receiving new ID cards after I enroll?[/tcol]
[tcol]Yes. New ID cards will be issued.[/tcol]
[/trow]

[trow]
[tcol]2[/tcol]
[tcol]If I choose a plan with a health savings account (HSA), what dollar amount does North Risk Partners contribute?[/tcol]
[tcol]North Risk Partners will make a one-time contribution of $150 end of January/beginning of February.[/tcol]
[/trow]

[trow]
[tcol]3[/tcol]
[tcol]How does the HSA plan work if I have two or more individuals on the plan?[/tcol]
[tcol]The plan caps out at $8,000 total. For example, if you have only two individuals on the plan, you would need to meet $4,000 for each. If you have more than two individuals on the plan, those individuals can satisfy the $8,000 in any combination, not exceeding $4,000 per individual.[/tcol]
[/trow]

[trow]
[tcol]4[/tcol]
[tcol]If I switch to a traditional plan, can I still use HSA funds to pay my bills?[/tcol]
[tcol]Yes. You can still use the funds in the HSA to pay for qualified expenses for your new plan, whether it’s for deductibles or copays. You cannot, however, put additional funds into the HSA account.[/tcol]
[/trow]

[trow]
[tcol]5[/tcol]
[tcol]What’s the process for contributing to my health savings account (HSA) using pre-tax dollars from my paycheck?[/tcol]
[tcol]You will need to print and complete the HSA Payroll Deduction Form and return it to Gene Stoffel at gstoffel@cobrown.com.[/tcol]
[/trow]

[trow]
[tcol]6[/tcol]
[tcol]Can you have both a health savings account (HSA) and flexible spending account (FSA)?[/tcol]
[tcol]Yes, but the FSA would need to be a Limited Use FSA, which will be an option from Discover Benefits, our FSA vendor.[/tcol]
[/trow]

[trow]
[tcol]7[/tcol]
[tcol]What are the maximum contribution limits for flexible spending accounts (FSAs)?[/tcol]
[tcol]

Medical FSA – $2,600
Limited Medical FSA – $2,600
Dependent Care FSA – $5,000

[/tcol]
[/trow]

[trow]
[tcol]8[/tcol]
[tcol]How do I enroll in a flexible spending account (FSA)?[/tcol]
[tcol]You will need to complete and return the FSA Data Collection Worksheet to Gene Stoffel at gstoffel@cobrown.com by November 30th. If no form is received, North Risk Partners will assume you do not want to participate in the Medical, Limited Medical or Dependent Care FSA.

[sf_button colour=”accent” type=”standard” size=”standard” link=”https://northriskpartners.com/wp-content/uploads/2013/10/FSA-Information-Form-from-Gene-1.pdf” target=”_blank” icon=”” dropshadow=”no” extraclass=””]FSAs – Learn More[/sf_button][/tcol]
[/trow]

[trow]
[tcol]9[/tcol]
[tcol]What does an “embedded deductible” mean?[/tcol]
[tcol]A family medical plan with an embedded deductible consists of two components, an individual deductible and a family deductible. If a family member meets their individual deductible, the “embedded” feature of the deductible ensures your insurance will assist with future medical bills for the family member even when the family deductible has not been met.[/tcol]
[/trow]

[trow]
[tcol]10[/tcol]
[tcol]Once the out-of-pocket amount is met, what percentage is covered for further expenses?[/tcol]
[tcol]With all plans offered, once you’ve reached your maximum out-of-pocket, coverage is 100% as long as you are using network providers.[/tcol]
[/trow]

[trow]
[tcol]11[/tcol]
[tcol]Do I need to re-enroll in the voluntary life insurance benefit?[/tcol]
[tcol]Only if you are requesting an amount above what you already have in place. If so, you will need to print out and complete the Evidence of Insurability Form and submit it to DeEtte Wurm at deettew@apolloinsurance.com.[/tcol]
[/trow]

[trow]
[tcol]12[/tcol]
[tcol]What do I need to do if I am already enrolled in the voluntary life insurance benefit and wish to keep what I have?[/tcol]
[tcol]In the BerniePortal platform, click “waive” and your current elections from 2016 will remain. You do not need to complete any forms.[/tcol]
[/trow]

[trow]
[tcol]13[/tcol]
[tcol]How do I determine how much voluntary life I have?[/tcol]
[tcol]Check with DeEtte Wurm at deettew@apolloinsurance.com to find out how much voluntary life you currently have for 2016.[/tcol]
[/trow]

[trow]
[tcol]14[/tcol]
[tcol]Is there a limit on the amount of voluntary life a spouse or child can have?[/tcol]
[tcol]Yes. The maximum is $10,000 for children. The spouse’s maximum is $250,000. At no time can they have more voluntary life than the employee.[/tcol]
[/trow]

[trow]
[tcol]15[/tcol]
[tcol]Will we have to submit any information on our spouse or child(ren) for the life insurance paid by North Risk Partners?[/tcol]
[tcol]Yes. You will need to notify us about a spouse or child if you are first married and/or have your first child.[/tcol]
[/trow]

[trow]
[tcol]16[/tcol]
[tcol]Up to what age is my child eligible for the voluntary child life benefit?[/tcol]
[tcol]Up to age 21.[/tcol]
[/trow]

[trow]
[tcol]17[/tcol]
[tcol]I’m already enrolled in short-term disability (STD) for 2016. Do I need to re-enroll for 2017?[/tcol]
[tcol]Yes. You will need to elect coverage for 2017.[/tcol]
[/trow]

[trow]
[tcol]18[/tcol]
[tcol]Is maternity leave included as a benefit under short-term disability (STD)?[/tcol]
[tcol]Yes. Maternity leave is covered.[/tcol]
[/trow]

[trow]
[tcol]19[/tcol]
[tcol]If I have a planned surgery, would that be covered under short-term disability (STD)?[/tcol]
[tcol]Yes, but please contact DeEtte Wurm at deettew@apolloinsurance.com about the particular situation.[/tcol]
[/trow]

[trow]
[tcol]20[/tcol]
[tcol]Has our drug carrier changed?[/tcol]
[tcol]No. Anthem will continue to be the carrier. The covered drug list will now be called Essential Rx.[/tcol]
[/trow]

[trow]
[tcol]21[/tcol]
[tcol]What is a formulary drug?[/tcol]
[tcol]Formulary is a term used to describe the preferred drug list of Anthem. Their formulary drug list is called Essential Rx.[/tcol]
[/trow]

[trow]
[tcol]22[/tcol]
[tcol]Is the mail order company for prescriptions remaining the same?[/tcol]
[tcol]Yes. We will continue to use Express Scripts.[/tcol]
[/trow]

[trow]
[tcol]23[/tcol]
[tcol]Is there still a specialty class of drugs?[/tcol]
[tcol]Yes. There is still a specialty class of drugs.[/tcol]
[/trow]

[trow]
[tcol]24[/tcol]
[tcol]Is the specialty “up to $150” per prescription or annual?[/tcol]
[tcol]The $150 would be per prescription under specialty medication.[/tcol]
[/trow]

[trow]
[tcol]25[/tcol]
[tcol]Is there a limited network for the dental plan?[/tcol]
[tcol]HealthPartners has an Open Access Network and provides a resource on their website to help you find a dentist or dental clinic. Search for a dentist.[/tcol]
[/trow]

[trow]
[tcol]26[/tcol]
[tcol]Does the vision plan follow an in-network/out-of-network system for providers, similar to how a health plan does?[/tcol]
[tcol]Yes. Vision has its own network of doctors. Search for a doctor.[/tcol]
[/trow]

[trow]
[tcol]27[/tcol]
[tcol]Can you elect for only the employee to be covered under voluntary vision if their spouse is covered under the main health plan?[/tcol]
[tcol]Yes. Vision is separate from the other plans.[/tcol]
[/trow]

[trow]
[tcol]28[/tcol]
[tcol]For vision, would contacts and glasses be covered at $130 each if both are purchased at the same time/appointment?[/tcol]
[tcol]No, they would not. It is either $130 for glasses or $130 for contacts, not both. It is also a one-time item, meaning you are not able to use any remaining amount not allocated for a later purchase within the same benefit period. (e.g., if you purchase a supply of contacts for $100, you cannot use the remaining $30 on another contact purchase at a later date)[/tcol]
[/trow]

[trow]
[tcol]29[/tcol]
[tcol]Are you able to jump on or off the vision and dental plans on an as-needed basis?[/tcol]
[tcol]You can remove yourself from the plans at any time, but would have to wait until the following open enrollment period to re-enroll again.[/tcol]
[/trow]

[trow]
[tcol]30[/tcol]
[tcol]Does BerniePortal reflect the change in pay structure for those employees switching from semi-monthly to monthly for the upcoming year?[/tcol]
[tcol]Yes. All employees should be set up correctly in BerniePortal to reflect their pay status.[/tcol]
[/trow]
[/table]

[/spb_text_block] [/spb_accordion_tab] [spb_accordion_tab title=”How to Enroll” accordion_id=”” icon=””] [spb_text_block pb_margin_bottom=”no” pb_border_bottom=”no” width=”1/1″ el_position=”first last”]

How to Enroll

Use the BerniePortal Guide as a resource.

[sf_button colour=”accent” type=”standard” size=”standard” link=”https://northriskpartners.com/wp-content/uploads/2013/10/BerniePortal-User-Guide-Employee-Guide-External.pdf” target=”_blank” icon=”” dropshadow=”no” extraclass=””]View the Guide[/sf_button]

You will need to login to Bernie Portal at https://www.bernieportal.com/en/login

Username: your company email address

Passoword: last 4 digits of SSN + 2 digits of birth month

(example. SSN: 777-88-9999 Birthdate: 10/22/1985

Password: 999910)

Once you have logged in, you will be asked to verify your information (name, address, hire, DOB, etc.) and then will be prompted to “Begin Enrollment” at which time you will elect the benefits of your choice and which dependents you would like to cover. Once it is complete, you will need to sign using your mouse.

NOTE: After open enrollment, you cannot make changes to your coverage during the year unless you experience a change in family status, such as:

Loss or gain of coverage through your spouse
Loss of eligibility of a covered dependent
Death of your covered spouse or child
Birth or adoption of a child
Marriage, divorce or legal separation
Switch from part-time employment to full-time employment

REMINDERS:

Open enrollment period:11/7/2016 to 11/30/2016
Informational meetings schedule:
Thursday, November 10^th – 9:00 am & Thursday, November 17^th – 9:00 am

The only forms you will need to print out are the HSA Payroll deduction form – please email to Gene Stoffel and the Evidence of Insurability form if you are electing voluntary life – please email to DeEtte Wurm.

[/spb_text_block] [/spb_accordion_tab] [spb_accordion_tab title=”FAQs on How to Enroll” accordion_id=”” icon=””] [spb_text_block pb_margin_bottom=”no” pb_border_bottom=”no” width=”1/1″ el_position=”first last”]

[table type=”standard_minimal”]
[trow]
[thcol][/thcol]
[thcol]Question[/thcol]
[thcol]Answer[/thcol]
[/trow]
[trow]
[tcol]1[/tcol]
[tcol]What information will I need to prepare before enrolling?[/tcol]
[tcol]Birthdates and social security numbers for your dependents and beneficiaries[/tcol]
[/trow]
[trow]
[tcol]2[/tcol]
[tcol]Who is eligible to enroll in benefits?[/tcol]
[tcol]Any employee who works 30 or more hours per week.[/tcol]
[/trow]
[trow]
[tcol]3[/tcol]
[tcol]How do I enroll?[/tcol]
[tcol]Refer to the How to Enroll section on this webpage above.[/tcol]
[/trow]
[trow]
[tcol]4[/tcol]
[tcol]How long is open enrollment?[/tcol]
[tcol]Open enrollment takes place Nov. 7 through Nov. 30, 2016.[/tcol]
[/trow]
[trow]
[tcol]5[/tcol]
[tcol]When do the open enrollment meetings take place and how do I go about attending?[/tcol]
[tcol]There are two opportunities for attending an open enrollment meeting:

Thursday, Nov. 10, 2016 @ 9 a.m.
Thursday, Nov. 17, 2016 @ 9 a.m.

[sf_button colour=”accent” type=”standard” size=”standard” link=”https://attendee.gotowebinar.com/rt/3135122545203426561″ target=”_blank” icon=”” dropshadow=”no” extraclass=””]Register for an Enrollment Meeting[/sf_button]

[/tcol]
[/trow]

[trow]
[tcol]6[/tcol]
[tcol]What if I can’t attend either of the enrollment meetings?[/tcol]
[tcol]A recording of one of the sessions will be available to view.[/tcol]
[/trow]
[/table]

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