collaborative for educational services july 2016 open ... open...collaborative for educational...

Collaborative for Educational ServicesJuly 2016 Open Enrollment MAY 16 THROUGH MAY 27

ARTHUR J. GALLAGHER & CO. | BUSINESS WITHOUT BARRIERS™ 2© 2016 GALLAGHER BENEFIT SERVICES, INC.

Why Did Benefits Change?• The HR Team and Senior Leadership conducted a thorough review of the

benefit programs and held employee focus groups. Our goal is to provide a competitive benefit program while keeping your payroll deductions as low as possible.

• Healthcare costs are rising annually due to Health Care Reform taxes and fees - the current annual medical trend is about 9%

• CES medical plan cost was increasing 15% but we were able to reduce that to 9.9% without raising your copays or deductibles and keep our coverage with Harvard Pilgrim.

• All medical plans offered by CES provide minimum essential coverage (MEC), minimum value (MV) and meet MA minimum coverage requirements (MCC).

• We are pleased to offer you 3 new benefit options – Critical Illness, Hospital Indemnity and Pet Insurance.


Agenda• Introduction To 2016 Benefits Open Enrollment• Medical – Harvard Pilgrim Health Care• Dental – Blue Cross Blue Shield of MA • Voluntary Vision - VSP• Life, Accident & Disability – Symetra Life• Voluntary Accident, Critical Illness and Hospital – Symetra• Pet Insurance – Nationwide Pet• HSA – Wells Fargo• Flexible Spending Accounts – American Benefits Group• Open Enrollment – May 16th to May 27th


What’s changing in 2016?• Medical

– Deductible (all plans) will align with our plan year (7/1-6/30) starting July 1st – HMO 3000 Plan: Maximum Out of Pocket – HMO 3000 HRA reimbursement no change– PPO 3000 Plan: adding coverage for chiropractic visits– No changes to PPO 2000 Plan– Payroll deduction cost change 9.9%

• Dental– No change in benefits or payroll deductions

• Vision– New vision plan with VSP– Minimal change in deductions

• Life and Disability– New insurer is Symetra– CES is increasing company paid life insurance to $30,000– No change to voluntary disability and life rates

• New Benefits – Voluntary Critical Illness and Hospital Indemnity – Pet Insurance

Collaborative for Educational Services2016 Benefits Review


Best Buy HMO 3000 DeductibleAbout the Deductible:

– Individual - $3,000 Per Member per plan year – Family - $6,000 Per Family per plan year

• Family deductible can be met by combination of members • HRA reimburses deductible amounts after you pay the

first $1000 individual/$2000 family – funded by CES, reimbursed through ABG

• Changing from the current “Calendar Year” to a “Plan Year”– Deductible will accrue from July 1 to June 30

• All deductible amounts you met since 1/1/16 will be credited for the 7/1/16-6/30/17 plan year – you don’t “start over” on July 1st


Best Buy HMO 3000 Plan Basics• Copays don’t count toward the deductible • In network benefits only• You must select a PCP• Preventative services covered in full• You always pay Harvard Pilgrim’s contracted

(discounted) rate, not the provider’s retail price• You’re never required to pay for deductible services

at the time of service– Wait for your Activity Summary before paying the bill– You will get a reimbursement check from ABG for

deductible amounts over $1000/$2000


Best Buy HMO 3000 Benefits• Office Visits - $20 copayment • Specialist Visits - $20 copayment (visit only)• Emergency Room - $100 copayment (After Deductible)

Waived if admitted• Urgent Care Facilities - $20 Copayment (deductible may apply

to any procedure or test)• Inpatient – 100% after deductible has been met• Day Surgery – 100% after deductible has been met• Routine Eye Exams - $20 copayment (one per 12 months)• Chiropractic Visits - $20 copayment (12 visits per plan year) • Maximum Out of Pocket $6,600 individual/$13,200 family

Always refer to the Benefit Summary for specifics.


HSA/PPO Best Buy 2000 Basics• Qualified high deductible plan• Pair with HSA and save pre-tax to pay out of pocket expenses• No PCP or referrals• Preventative services covered in full• Out of network benefits – you pay more out of pocket• Family deductible must be met before any benefits pay • Once the deductible is met, services covered in full in network• Deductible changing from “Calendar Year” to “Plan Year”

– Deductible will accrue from July 1 to June 30• All deductible amounts met since 1/1/16 will be credited for the

7/1/16-6/30/17 plan year - you don’t “start over” on July 1st


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BenefitPPO

In-Network Out-of-Network

PCP Sick Visits Deductible 20% co-insurance after deductible

Select Preventive Care Services $0 copayment 20% co-insurance after deductible

Specialist Visits Deductible 20% co-insurance after deductible

Plan Year Deductible $2,000/Ind / $4,000/Fam. $4,000/Ind / $7,000/Fam.

Chiropractic Benefit Not Covered Not Covered

Emergency Room Deductible Deductible

Hospital Inpatient Deductible, then covered 100% 20% co-insurance after deductible

Day Surgery Deductible, then covered 100% 20% co-insurance after deductible

X-Rays, Labs, Imaging Deductible, then covered 100% 20% co-insurance after deductible

Rx co-pay – 30 Days $10/ $25 / $40 / 20% $10/ $25 / $40 / 20%

Mail Order Rx copay - 90 Days $20/ $50 / $120 / 20% $20/ $50 / $120 / 20%

PY Out-of-Pocket Maximum $4,000 per Ind. / $8,000 per Fam. $8,000 per Ind. / $14,000 per Fam.

HSA/PPO Best Buy 2000 Benefits at a Glance


HSA /PPO Best Buy 3000 Basics• Qualified high deductible plan• Pair with HSA and save pre-tax to pay out of pocket expenses• No PCP or referrals• Preventative services covered in full• Out of network benefits – you pay more out of pocket• Family deductible must be met before any benefits pay • Once the deductible is met, you pay 20% in network • Deductible changing from “Calendar Year” to “Plan Year”• Deductible will accrue from July 1 to June 30• All deductible amounts met since 1/1/16 will be credited for

the 7/1/16-6/30/17 plan year - you don’t “start over” on July 1st


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BenefitPPO

In-Network Out-of-Network

PCP Sick Visits Deductible then 20% coinsurance Deductible then 40% coinsurance

Select Preventive Care Services $0 copayment Deductible then 40% coinsurance

Specialist Visits Deductible then 20% coinsurance Deductible then 40% coinsurance

Plan Year Deductible $3,000/Ind. / $6,000/Fam. $6,000/Ind. / $9,000/Fam.

Chiropractic Benefit Deductible then 20% coinsurance Deductible then 40% coinsurance

Emergency Room Deductible then 20% coinsurance Deductible the 20% coinsurance

Hospital Inpatient Deductible then 20% coinsurance Deductible then 40% coinsurance

Day Surgery Deductible then 20% coinsurance Deductible then 40% coinsurance

X-Rays, Labs, Imaging Deductible then 20% coinsurance Deductible then 40% coinsurance

Rx co-pay – 30 Days $5/ $15 / $25 / $40 / 20% $5/ $15 / $25 / $40 / 20%

Mail Order Rx copay - 90 Days

$10/ $30 / $50 / $120/ 20% $10/ $30 / $50 / $120 / 20%

PY Out-of-Pocket Maximum $5,000 per Ind. / $10,000 per Fam. $10,000 per Ind. / $18,000 per Fam.

HSA/PPO Best Buy 3000 Benefits at a Glance


Useful Online Services

• To set up an HPHConnect secure and confidential account:– Visit www.harvardpilgrim.org and select “Members” – Under “Your Account,” select “Create an account” and

enter Harvard Pilgrim ID number, birth date, ZIP Code and last four digits of the subscriber’s Social Security number

– Choose a username and password to activate account• HPHConnect helps you keep track of the deductible and

out-of-pocket amounts • Get instant access to e-tools and resources

It’s easy to get HPHConnect-ed


What Is On HPHConnect Online• Account information

– Update information – Select a primary care provider (PCP) – Order ID Cards – Log in to one’s HSA– Take a health assessment to develop your

personal action plan• Personal Health Record

– Claims - the status and amount of medical bills – Benefits and eligibility - specifics on your coverage and costs – Illnesses/conditions – Medical history - includes immunizations and procedures– Visit summary – Medication profile – personal medication history – Family and social history– Wallet card - create personal portable medical summary


Additional Savings: Eye and Ear– FREE eyewear program at Vision Works with the eye

exam with a Vision Works licensed Optometrist

Discounts at many popular locations like Vision works, JCPenny Optical, LensCrafters, Pearle Vision and Target Optical

– Laser vision correction– Hearing Aids by Flynn Associates, HearPO and Speech-

Language and Hearing Associates of Greater Boston

Nutrition– Weight Watchers– Jenny Craig– Diet.com – Dash for Health online program

Alternative complementary medicine– Acupuncture and chiropractic care– Massage Envy– Elements Therapeutic Massage– Mindfulness-based Stress Reduction course at UMass

Medical (Shrewsbury, MA)

Fitness reimbursement – $150 per Harvard Pilgrim policyholder (i.e. per subscriber)

per calendar year– Must be a member of both Harvard Pilgrim and a qualified

fitness facility for at least 4 months– Qualified fitness facilities are full service health

clubs that include cardiovascular and strength-training equipment and facilities for exercising and improving physical fitness (most “traditional” health clubs, YMCAs and JCCs qualify).

Additional fitness– Discounts at select clubs in MA, NH and ME– 15% off footwear at Marathon Sports and Northampton

Running Company (MA), Runner’s Alley (NH)

– Discounted rate at Genavix online Wellness Network


When You Have Questions

• Access Member Services by phone - 1-888-333-4742– Timely and accurate responses to

your questions– Extended hours on Mondays

and Wednesdays– Interactive Voice Response (IVR) offers

24-hour access to general information

• Access via www.harvardpilgrim.org - 24/7– Self-service with HPHConnect– E-mail Member Services and get responses quickly

Dental Blue Program 2


Using Your Dental Benefits• Go to Any Dentist - Use network dentists to save money

– If contracted with BCBSMA, BCBSRI or national Dentemax network:• No claim forms• Discounts & no balance billing

– To find participating dentists go to: www.bluecrossma.com• No pre-existing condition limitations or waiting periods• Enhanced benefits for members with:

– Pregnancy– Diabetes– Coronary Artery Disease– Oral Cancer

• Get your annual exam and cleaning with a participating dentist for no out of pocket cost

• Get pre-treatment estimates for services over $250


Preventive-100% Basic-80% Major-50%No Deductible $50 Per Member/$150 Family

Calendar Year Deductible-Oral Exams-Cleanings-X-Rays-Sealants (Under Age 14)-Fluoride Treatments (Under Age 19)

-Fillings-Extractions-Endodontics-Periodontics

-Bridges-Crowns-Dentures-Implants

Calendar Year Maximum $1,000Accumulative Maximum Rollover: $350 Rollover Up To A Maximum Of $1,000

Must Have One Dental Service-Claims Not To Exceed $500Orthodontic Lifetime Maximum $1,000 Covered for Members Up to age 25

Your Dental Blue Benefits


Useful Online Services

www.bluecrossma.comManage Your Account View Claims

Request ID CardChange Address

Review Plan BenefitsSee 2 Years BCBS Claims DataView Calendar Max Balance

Live HealthyBlue 365 Discounts and Programs


Mobile Services

Services


When You Have Questions

• Call Member Service toll-free number on ID cardMonday - Friday, 8am - 6pm (Eastern Standard Time)

• Visit www.bluecrossma.com


Collaborative for Educational Services


Voluntary Vision Highlights

• $ 10 exam copay every 12 months• $ 25 for eyeglasses with standard lenses and

frames• Lenses every 12 months, frames every 24

months• Frames $130 allowance ($150 for featured

brands) 20% discount on the amount over the allowance

• Progressive lenses copays $55-$175• Lens enhancements covered after a copay • Contacts every 12 months in lieu of glasses• Up to $60 copay contact lens exam/fitting• Contacts $0 copay, $130 allowance

Your Monthly Cost:Employee: $6.27

Employee + 1: $10.04

Employee + Children $10.25

Family $16.52

Your Benefits when you use a VSP network provider

If you see an out-of-network provider, benefits are reimbursed to you based on a fee schedule


Best Value for Your Dollar

Comparison based on national averages for eye exams and most commonly purchased brands.


VSP Providers• Nationwide network of more than 34,000 providers

• 4,600 participating retail locations in the VSP network

• Retail chains include:– Costco® Optical– Visionworks®– Shopko Eyecare Centers– Cohen’s Fashion Optical– Wisconsin Vision – Heartland Vision– RxOptical®– Optyx– And more!


When You Have Questions• Create an account and/or log in to vsp.com:

– Find a VSP network provider– View your benefits information– Get eye care and eyewear information– Check out special offers and savings

• Call VSP Member Services at 800.877.7195.– Monday – Friday, 5 a.m. - 8 p.m., Pacific Time– Saturday, 7 a.m. - 8 p.m., Pacific Time– Sunday, 7 a.m. - 7 p.m., Pacific Time

Symetra Life Insurance Company777 108th Ave. NE, Suite 1200, Bellevue, WA 98004

2/16LDM-6139

Symetra Life and Disability Benefits

Collaborative for Educational Services, Inc.


Life & Accident Insurance• Benefit increasing from $10,000 to $30,000

– Basic Life Benefit– Accidental Death and Dismemberment

• You can continue your life insurance when coverage ends • Includes Travel Assistance, Identity Theft Protection,

Estate Guidance Online Will Prep and Beneficiary Companion benefits

• Be sure your beneficiary information is current!Basic Life and AD&D is paid for by CES


Supplemental Life Insurance• Employee:

– Increments of $10,000 up to $300,000– Guarantee Issue Amount: $250,000 – amounts requested above

$250,000 or after initial eligibility will require Evidence of Insurability– Special Open Enrollment Period for July 1st - $60,000 maximum

election allowed without Evidence of Insurability• Spouse:

– Increments of $5,000 to $100,000– Guarantee Issue Amount: $50,000 – amounts requested above $50,000

or after initial eligibility will require Evidence of Insurability

• Child(ren): – Birth to age 26 = $10,000 benefit


Disability InsuranceVoluntary Short Term Disability • 60% weekly earnings to a

maximum of $1,250 per week in increments of $25; minimum benefit $100.

• Benefits start after 14 Calendar Days

• Maximum benefit duration for an approved disability is 13 weeks

• You pay the cost so the STD benefit is non-taxable

Long Term Disability

• 60% monthly earnings to a maximum of $6,000

• Minimum benefit $100

• Benefits start after 90 days

• Maximum benefit duration for an approved disability is to your Social Security Retirement Age

• CES pays 100% of the cost

Coverage requested after initial eligibility will require Evidence of Insurability

Symetra Select Benefits Fixed-Payment Medical Insurance

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Fixed Payment MedicalCover Your Out of Pocket Expenses with Symetra Select Benefits • Three Coverage's offered together

– Hospital Per Day – Group Accident - Critical Illness• Hospital Daily Benefit – Per Person Per Calendar Year

– $300/10 days & $500/10 days Regular Inpatient Room– $600/10 days & $1000/10 days Intensive Care– Mental Health & Substance Abuse Inpatient Benefits– Skilled Nursing Facility – Following a Three Day Hospital Stay

• Group Accident $5000/3x & $10,000/3x – Accidents Per Calendar Year

• Critical Illness Guaranteed Issue $5000 - $10,000 - $15,000

**Please refer to your Summary of benefits for additional information


Symetra Group Accident Coverage

• Group Accident Coverage – Fill the “GAP” in your Major Medical Plan– Benefit amounts of $5000/3 & $10,000/3 occurrence per

person – per calendar year – Claims paid from inception through rehabilitation – Benefits are paid regardless of any other coverage the

insured may have up to the Calendar Year Max. (Above)


Accident Coverage in Action• The coverage pays eligible expenses up to the amount selected

per accident occurrence. Here are two examples of how benefits would be paid on a benefit amount of $2,500.


Symetra Critical Illness-4 Categories of Coverage• Upon the diagnosis of a covered critical illness, insureds receive a lump-sum benefit• Primary insureds Guaranteed issue amounts: $5000 - $10,000 - $15,000Each condition pays a fixed percentage of the benefit amount:Category I • Invasive cancer 100% • Minor cancer 25% Category II• Heart attack or stroke 100% • Coronary artery disease needing surgery or angioplasty 25% Category III - 100%• Major organ failure, end-stage renal disease, coma due to accident, occupational HIV infection,

loss of sight, loss of speech, loss of hearing, paralysis due to accident, severe burnsCategory IV – 100% Coverage• Alzheimer's • Multiple Sclerosis• Parkinson• ALS & Other Motor Neuron Disease


When You Have Questions• Select Benefit Administrators (SBA) handles the administration of

your Select Benefits

• Dedicated exclusively to our fixed-payment business

• In-House enrollment, claims and billing administration services

• No phone trees—all calls answered by a live personCustomer Service Hours:Monday through Friday,6:30 a.m. to 5 p.m., CTToll-free phone: 1-800-497-3699Email: [email protected]: (715) 682-5919

Select Benefit Administrators is an administrative division of Symetra Life Insurance Company


Value-Add Benefits: Health Advocate

Available to enrolled members, their spouse, dependent children, parents and parents-in-law.

Available to enrolled members, their spouse and dependent children age 18+.


Pet Insurance

• Nation’s oldest and largest pet insurer (Lassie was the first Dog VPI insured!)• Covers dogs, cats, birds and exotic pets• Use any veterinarian worldwide—including specialists and emergency providers• Group discount 5% and pay with payroll deduction• Multiple pet discounts up to 15%• Policies are priced based on age and type of pet• Free 24/7 vet help • ENROLL ANY TIME3 easy ways to enroll:• Follow the link to the dedicated page http://www.petinsurance.com/collaborative• Visit www.petsnationwide.com and enter Collaborative for Educational Services

to be directed to the dedicated page• Call 877-738-7874 and mention that you are an employee of Collaborative for

Educational Services and you will receive a discount on your policy.

CES is pleased to offer Pet Insurance from Nationwide Pet

Wells Fargo HSA

© 2015 Wells Fargo Bank, N.A. All rights reserved.


Who can open and contribute to an HSA?Eligibility rules

• Must be covered by an HSA-qualified health plan

• Certain deductible and out-of-pocket requirements

• 100% preventive care coverage

• Are covered by other health insurance*

• Are enrolled in Medicare• Are eligible to be claimed

as a dependent• Special rules apply if you’ve

received health benefits from Veterans Affairs or Indian Health Services

To open and contribute you:

Cannot open and contribute if you:


Four reasons to open an HSA

1 More than a spending account HSAs are for any age or stage

For todayPay for qualified healthcare expenses

For tomorrowBuild a healthcare safety net

For the futureInvest your HSA funds for retirement1

1INVESTMENT PRODUCTS: NOT FDIC INSURED | NO BANK GUARANTEE | MAY LOSE VALUE



1 More than a spending account

2 Money never expires

Myth HSA = FSAHealth Savings Account

Flexible Spending Account

Fact HSA ≠ FSAYou own your HSA

The money carries over





3 Use it for your family You Your

spouseTax

dependents

Use your HSA for

Even if they’re not covered by your health plan





3 Use it for your family

4 Save on taxes

HSA savings are tax-free

$100 earned in take-home pay

$70 in your pocket

$30 in taxes

$100 earned and saved in an HSA

$100 in your HSA

$100/month in your HSA = $360/year

in tax savings

All tax references are at the federal level. State taxes vary. Please consult a tax advisor with questions. The 30% illustrative example assumes 25% federal and 5% state tax savings. Actual savings vary.


Using your HSA for qualified expenses

Qualified healthcare expenses

Qualified

Doctor’s visits

Specialty careex. Chiropractor, Cardiologist

Prescriptions

Dental health

Eye health

Medical supplies

Typically not qualified

Cosmetic surgery

Over-the-counter meds Unless you have a prescription

Teeth whitening

Vet bills

Qualified healthcare expenses

Learn more at wellsfargo.com/ hsaqualifiedexpenses

Online Bill PayGreat for invoices

Pay another wayAnd reimburse yourself

at any time

Wells Fargo HSA Debit Card

Easiest way to pay

Convenient payment options

You are responsible for determining which expenses are qualified. Wells Fargo does not monitor your expenses. List is not complete.


Set up your savings2016 contribution limits1 Ways to save

Payroll deductions

Your easiest option

Other options:• Transfer from an

IRA or HSA2

• Regular or one-time contributions online

These limits include any money your employer adds to your account

Individual coverage $3,350

Family coverage $6,750

If you’re age 55+

Can contribute an extra $1,000/year

1Your personal contribution limit may be lower than IRS maximums. Please consult your tax advisor with questions. 2Transfer funds from an existing HSA or make a one-time transfer from an IRA. IRA transfers count toward the annual limit. Please consult your tax advisor with questions.


Sweeten your retirement strategyInvest your HSA dollars

The average retired couple today will need about $250,000 for healthcare expenses in retirement.1

Did you know

Use an HSAto prepare for

those expenses

Invest in a broad range of mutual funds

Access to HSA funds, even if

they’re invested

No taxes on investment earnings

INVESTMENT PRODUCTS: NOT FDIC INSURED | NO BANK GUARANTEE | MAY LOSE VALUE

1Individual situations vary. Source: Center for Retirement Research at Boston College.


Manage your HSASign upGrab your HSA debit card number and PIN

Sign on• View your HSA account details

• Manage your investments

• Pay healthcare bills

• Order debit cards

• INVESTMENT PRODUCTS: NOT FDIC INSURED | NO BANK GUARANTEE | MAY LOSE VALUE

Take advantage of an HSA

Enroll During Open Enrollment Period

Discover HSA Expert interactive toolwellsfargo.com/hsatool

Helpful videoswellsfargo.com/hsaoverview

Call HSA-dedicated customer service1-866-884-7374

Monday-Friday: 6:00 a.m.-10:00 p.m. Central Time


Customer [email protected]

[email protected]

800-499-3539 • www.amben.com/WealthCare

FLEXIBLE SPENDING ACCOUNTS



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Almost 40 Million Americans Participate in Flexible Spending Accounts Every Year.

Health Flexible Spending Accounts (FSA)

allow you to pay for your eligible

out-of-pocket medical expenses using

pre-tax dollars it’s like . . .

. . . Signing Yourself Up For A Pay Raise



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Flexible Spending Accounts Allow You to Set Aside Pre-Tax Dollars to Pay for Out-of-Pocket Medical (FSA)

• For You & Your Spouse

• For Your Eligible Dependents

• Participation in your Employer’s Health Plan is Not Required



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On October 31, 2013 the US Treasury Department modified its Flexible Spending Account (FSA) “use-or-lose” rule – employers may now adopt the Carryover Provision to allow funds to roll over.

This is great news for you, because:

• Effective immediately, you can roll over up to $500 of your unused FSA funds at the end of this plan year.

• The money you put in an FSA is not taxed, so assuming you pay a combined 40% state and federal tax rate, you’re saving 40% off healthcare expenses funded through the account.

If you chose not to participate in the FSA program because of the "use-or-lose" mandate, it's time to take another look.



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FSA use or carryover up to $500



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It’s Easy to Participate!

• Estimate Your Out-of-pocket Expenses

• Enroll as Directed by Your Employer

• Your Election Amount will be Deducted Pre-Tax from Your Paycheck in Equal Amounts throughout the Plan Year

• The Full Amount of Your Health FSA Election is Available to You from the Beginning of the Plan Year



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Examples of Qualified Health Flexible Spending Account Expenses

• Deductibles

• Co Payments

• Vision Care

• Dental Care

• Chiropractic

• Birth Control

• Hearing Care

• Acupuncture

• Orthodontia

• Counseling

• Prescription Drugs

• Medical Supplies

• Elective Surgery (e.g. Laser Keratotomy)


FLEXIBLE SPENDING ACCOUNTSOver the counter (OTC) Medications

• Diabetic management supplies - including insulin

• Hearing aid supplies

• Foot therapy supplies

• Band-aids

• Contraceptives

Over 27,000 OTC items can be purchased without a prescription.

Here are some examples:



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Examples of Expenses that are not Reimbursable from Your Health Flexible Spending Account

• Vitamins or Supplements (unless they have been prescribed to treat a medical condition)

• Personal Hygiene Items

• Cosmetics

• Teeth Whitening

• Veneers



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Flexible Spending Accounts = Tax Savings



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Flex Plan Reminders• Expenses must be incurred during the Plan Year, after you

become a participant.

• If you or your spouse are participating in an FSA, you may not contribute to an HSA unless the FSA reimburses only vision and dental expenses (Limited Purpose FSA).

• You may only change your election during the Plan Year if you have a Qualifying Status Change Event

• Estimate your elections carefully, the maximum election for the Health FSA is $2,550

• Unused funds at the end of the Plan Year will be forfeited, with the exception of the Carryover Provision that allows you to roll up to $500 on your Health FSA into the next plan year



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Reimbursement – How it Works

1. Use your Prepaid ABG Benefits Card:

• Great for your cash flow: No paying for your medical expenses out-of-pocket first, and then waiting for your reimbursements.

• No need to file claim forms.

• Save Your Receipts: You must submit receipts upon request.

• 100% IIAS Compliant



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Administer Your Flexible Spending Accounts Online at www.amben.com/WealthCare

New Users Need To Register

If you have registered Enter Your User ID/Name and Click continue.



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Get Your Benefits On The Go!

• Check Available Balances 24/7

• View Account Activity

• Submit Claims and Upload Receipt Images Taken With Your Mobile Device

• Available for Smart Phones and Tablets

For more information www.amben.com/WealthCareMobile


Open Enrollment• All elections will be effective on July 1, 2016• During annual enrollment you can:

– Enroll or drop coverage– Change medical plan options– Enroll eligible dependents or end coverage for dependents– You can enroll your adult children to age 26

• REMINDER: If you are enrolled in the Flexible Spending Accounts for 2015, your current election will not renew for 2016. You MUST make a new election online during open enrollment.

Monday, May 16th through Friday, May 27th Log in to the Employee Access Website to review your benefits

and make changes by May 27th


Open Enrollment Action Items • Open Enrollment Information and forms are available on

the website http://collaborative.org/openenrollment• To maintain your employee-paid voluntary benefits,

including your FSA you MUST take action• No action needed if you are not making changes to

medical and dental• Contact the HR team with questions

– Human Resources at 413‐588‐5925 or 5923– [email protected]

• All changes and elections must be done no later than May 27, 2016 - you will not have another opportunity to change your benefit elections without a qualifying event


Questions

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