2013 Benefit Enrollment Guide - Troy University

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enrollment Preparing for On-Line or Telephonic Enrollment Please take the time to review this enrollment guide. It contains important information about your benefits and the deductions that will be taken from your paycheck. You have been given examples of payroll deductions throughout the enrollment guide. By reviewing this information in advance, you will have the opportunity to decide which benefits are the most important to you. • Changes made during Annual Enrollment are effective January 1, 2013 (except for policies and/or amounts that require the approval of underwriters). • Verify that changes have been processed. Review your Earnings Statement to confirm that your enrollments and deductions are correct. • If you notice an error on your Earnings Statement, contact Human Resources or The Enrollment Center. Please note that this guide is a general summary of your benefits. For specific details, you may refer to each carrier’s summary plan description which is available at troyuniversity.empowHR.com. Every effort has been made to ensure that this booklet accurately represents the benefits. However, if there are any discrepancies between the terms in this booklet and the terms in the plan document, the plan document will prevail. Some Information You Will Need Please have the following information ready when enrolling: • Your name, date of birth and Social Security Number • The name(s), date(s) of birth and Social Security Number(s) of your dependent children up to age 26. Dependent children include your natural children, adopted children, stepchildren and children for whom you have legal guardianship. • The name, date of birth and Social Security Number of your spouse (if applicable) • Your current address. This will also ensure that both your ID cards and other important benefit information are sent to the correct address. • The full name and relationship of your beneficiary (Your beneficiary must be at least 18 years old or you will be required to name a guardian for him or her.) How to Enroll On-line You may make your benefit elections and enroll online. Your enrollment is confidential and secure. To enroll online, just follow these simple steps: 1. To begin your enrollment, go to troyuniversity.empowHR.com. Do not include “www”. 2. Enter your personal User ID which is the first initial of your first name and your full last name and the last four digits of your Social Security Number (for example, Tina Smith = tsmith6789). Do not use spaces or suffixes. 3. Enter your personal password which is your full Social Security Number (no spaces or dashes). 4. You will be asked to select a new password after your initial login. Please keep this information in a secure location for future access. 5. Read the instructions and click OPEN ENROLLMENT at the bottom of the screen to begin enrollment. 6. Enter Spouse and Dependent children information by choosing add or edit dependent on your verify information screen. 7. Click Next at the bottom of the screen once all dependents are entered into the system. 8. Make your benefit elections from the benefits offered by clicking the appropriate circle on the screen for that benefit. You will click Next at the bottom of the screen to move to the next benefit plan. 9. You may “elect” or “decline” coverage by clicking the appropriate box. Some coverages may require you to input a dollar amount (for example, Voluntary Life and Flexible Spending Accounts) or select one of several options. 10. After completing all of the benefit sections, click the I have completed my online enrollment and agree to benefits presented button to securely process your form. 11. If you are unable to complete your form in its entirety, you may click the Print and Save in your File Cabinet button to save your data and complete at a later time. All enrollments must be completed by midnight prior to your effective date or the last day of your company’s annual enrollment period. 12. Upon submitting your enrollment form, you will receive a Confirmation Page. Please print a copy of this page for your records. 13. To complete a saved enrollment or make changes to an existing enrollment, simply use your personal User ID and password from your confirmation screen to access and make edits to your selections. Please call 1-866-688-9727. Troy University 2013 Benefits Enrollment Guide 2
Healthcare Benefits Medical (Blue Cross Blue Shield of AL) Make the Most of Your Network-Based Healthcare Plans Blue Cross Blue Shield of Alabama has contracted with a network of providers, including physicians, hospitals and other types of providers. In order to receive the highest level of benefits and pay the least amount out of your pocket, you need to access care from the providers who have elected to be part of the network. This plan allows you to seek care from a provider who is not in the network. Just remember that if you make this choice, you will be required to pay a larger portion of the expenses out of your pocket, and the expenses may be subject to the Reasonable and Customary charging pattern for the area. This could also result in a greater outof-pocket expense for you. We want you to get the most from your healthcare plan. Please log on to www.bcbsal.org for any additional information about Blue Cross Blue Shield of Alabama. Important Note: Effective 1-1-2013, a tobacco certification form is required for Troy University employees enrolled in the Group Medical Plan. Employees and their covered dependents that are tobacco users will be charged a tobacco surcharge of $19 dollars per month in addition to their insurance premiums. Tobacco users are defined as an individual who uses any form of tobacco regardless of the method and/ or frequency of use. Employees who do not complete the Tobacco Certification Form will be charged the Tobacco User Surcharge. 2013 Health and Dental Insurance Benefits Cost Monthly Bi-Weekly Less than $30,000 Salary $30,000 Salary and over Less than $30,000 Salary $30,000 Salary and over Employee $95.26 $142.88 $47.63 $71.44 Family $213.54 $320.30 $106.77 $160.15 Note: 2013 rates cover medical, dental, prescription and Behavioral Health benefits. Please call 1-866-688-9727. Troy University 2013 Benefits Enrollment Guide 3
Page 1 and 2: 2013 Benefit Enrollment Guide an ov
Page 3: introduction Enrollment Current Emp
Page 7 and 8: Healthcare Benefits Pre-Tax Cafeter
Page 9 and 10: Healthcare Benefits BlueCard Worldw
Page 11 and 12: Voluntary Life Insurance Voluntary
Page 13 and 14: travel assistance MEDEX ® Travel A
Page 15 and 16: flexible spending Flexible Spending
Page 17 and 18: etirement Mandatory Retirement Plan
Page 19 and 20: important notices Summary Plan Desc
Page 21 and 22: Troy University-54395/000 Coverage
Page 23 and 24: Common Medical Event If you need dr
Page 25 and 26: Excluded Services & Other Covered S
Page 27 and 28: Questions and answers about the Cov
Page 29 and 30: BlueCard PPO: Troy University Cover

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