2_Welcome to CGMUS_Benefits Presentation_2015

Welcome to COMPUGROUP MEDICALSynchronizing Healthcare

v.2.16.2015

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Welcome to CompuGroup Medical US

2 0 1 5 B E N E F I T S P R E S E N TAT I O N

CompuGroup Medical US

CompuGroup Medical offers a comprehensive benefits package that includes:

Medical Dental

Vision 401(k)

Life Insurance AD&D

Short Term Disability Long Term Disability

Flexible Spending Accounts Discounts

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• Benefits are effective the 1st of the month following your date of hire.

• Full-time, regular employees are eligible for benefits. Temporary and part-time employees (working 29 hours or less) are not eligible to participate in the benefit program.

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QUALIFIED STATUS CHANGE


The elections you select when you enroll in the Benefits Plan will be in effect until December 31, 2015.

The only way to make a change is if you have a qualified event status change such as a:

*You must notify Human Resources within 30 days of this change. Supporting documentation must be submitted upon receipt, however, do not wait for it.

Changes to benefit coverage will begin on the first of the month following the change in status.

Birth Marriage

Divorce OverAge Dependent

Death Employment Change (that affects

benefits coverage)

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HOW TO ENROLL


• Enrollment for all CGM benefits, except the 401(k), can be done online via the online ADP portal available to you 24/7.

• You have 15 days from your start date to enroll.

• If you choose to waive coverage, please still complete the online enrollment process via ADP this way you receive the company paid benefits such as STD and LTD.

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2015 BENEFIT PRICING


Prices are per pay period which is on Fridays every 2 weeks.

Plan Description

Monthly Premium

Employee Bi-weekly deduction

EE Monthly

Rate

ER Monthly

Rate

ER%

UHC-PP0-Z26-

$500.00 Deductible

$786.04 $108.84 $235.81 $550.23 70%

UHC-HAS (YMG)-

$3000.00 deductible

$469.34 $10.83 $23.47 $545.87 116%

UHC-PPO-Z3D-

$1000.00 Deductible

$605.43 $27.94 $60.54 $544.89 90%

Guardian Dental-PPO

Low

$23.81 $5.49 $11.91 $11.91 50%

Guardian Dental-PPO

High

$39.46 $9.11 $19.73 $19.73 50%

Vision Plan $9.20 $4.25 $9.20 0%

Plan Description

Monthly Premium


EE Monthly

Rate

ER Monthly

Rate

ER%

UHC-PP0-Z26-

$500.00 Deductible

$1,650.68

$419.02 $907.87 $742.81 45%

UHC-HAS (YMG)-

$3000.00 deductible

$985.62 $159.22 $344.97 $765.65 78%

UHC-PPO-Z3D-

$1000.00 Deductible

$1,271.40

$234.72 $508.56 $762.84 60%

Guardian Dental-PPO

Low

$50.38 $11.63 $25.19 $25.19 50%

Guardian Dental-PPO

High

$89.45 $20.64 $44.73 $44.73 50%

Vision Plan $15.50 $7.15 $15.50 0%

*Employee only *Employee plus spouse

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2015 BENEFIT PRICING


Prices are per pay period which is on Fridays every 2 weeks.

Plan Description

Monthly Premium


EE Monthly

Rate

ER Monthly

Rate

ER%

UHC-PP0-Z26- $500.00 Deductible

$1,572.10

$399.07 $864.66 $707.45 45%

UHC-HAS (YMG)-

$3000.00 deductible

$938.69 $151.63 $328.54 $735.15 78%

UHC-PPO-Z3D-

$1000.00 Deductible

$1,210.86

$223.54 $484.34 $726.52 60%

Guardian Dental-PPO

Low

$77.37 $17.85 $38.69 $38.69 50%

Guardian Dental-PPO

High

$141.04 $32.55 $70.52 $70.52 50%

Vision Plan $15.79 $7.29 $15.79 0%

Plan Description

Monthly Premium


EE Monthly

Rate

ER Monthly

Rate

ER%

UHC-PP0-Z26-

$500.00 Deductible

$2,515.34

$638.51 $1,383.44 $1,131.90 45%

UHC-HAS (YMG)-

$3000.00 deductible

$1,501.89

$242.61 $525.66 $1,176.30 78%

UHC-PPO-Z3D-

$1000.00 Deductible

$1,937.40

$357.67 $774.96 $1,162.44 60%

Guardian Dental-PPO

Low

$77.37 $17.85 $38.69 $38.69 50%

Guardian Dental-PPO

High

$141.04 $32.55 $70.52 $70.52 50%

Vision Plan $25.01 $11.54 $25.01 0%

*Employee plus children *Family

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• Medical Insurance is through United Healthcare.

• National carrier.

• Choice of 3 different plans options.

• In-network and out-of-network options.

• Includes Prescription coverage.

MEDICAL INSURANCE

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$500.00 Deductible Plan

Types of Coverage *Network Benefits **Non-Network Benefits

Annual DeductibleIndividual $500 per year $1,000 per year

Family $1,000 per year $2,000 per year

Out-of-pocket MaximumIndividual $1,000 per year $11,000 per year


*Copayments do not accumulate towards the deductible*All individual deductible amounts will count toward the family deductible, but individuals will not have to pay more than the individual amount

**All individual out-of-pocket amounts will count toward the family out-of-pocket maximum, but individuals will not have to pay more than the individual out-of-pocket** Copayments, coinsurance, and deductibles accumulate towards the out-of-pocket maximum

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Types of Coverage *Network Benefits **Non-Network Benefits

Annual Deductible

Individual $1,000 per year $2,000 per year


Out-of-pocket Maximum

Individual $4,000 per year $6,000 per year


$1,000 Deductible Plan

*Copayments do not accumulate towards the Deductible. *All individual Deductible amounts will count toward the family Deductible, but an individual will not have to pay more than the individual Deductible amount.

**All individual Out-of-Pocket Maximum amounts will count toward the family Out-of-Pocket Maximum, but an individual will not have to pay more than the individual Out-of-Pocket Maximum amount. **Copayments, Coinsurance and Deductibles accumulate towards the Out-of-Pocket Maximum.

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$3,000 Deductible Plan

Types of Coverage Network Benefits **Non-Network Benefits

Annual DeductibleIndividual $3,000 per year $6,000 per year


Out-of-pocket MaximumIndividual $4,000 per year $12,000 per year


**Copayments, coinsurance, and deductibles accumulate towards the out-of-pocket maximum

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Effective 1/1/2015, CompuGroup Medical will provide initial funding per paycheck to all

participants who elect an H.S.A

Employee Only Contribution by CGM: $100 per pay and $2,600 annually

Employee + Spouse Contribution by CGM: $125 per pay and $3,250 annually

Employee Plus Child(ren) Contribution by CGM: $125 per pay and $3,250 annually

Family Contribution by CGM: $200 per pay and $5,200 annually

Introducing CGM funding towards the H.S.A

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Six Reasons to Consider an HSA

1. Contributions reduce your taxable income

2. Your balances grow tax-free

3. Withdrawals for eligible expenses are tax-free• It’s like saving 25% to 35% on every purchase!

4. You roll over unused funds for future use• You never lose your money – or spend it frivolously at the end of the year to avoid

forfeiting balances!

5. You adjust your contributions as your needs change during the year

6. Your HSA is portable – it goes with you from job to job, state to state, active-at-work to retired

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PRESCRIPTION COVERAGE

OptumRX Pharmacy

Tier Level RetailUp to 31 day supply

*Mail Order

Network Non-Network Network

1 $10 $10 $25

2 $35 $35 $87.50

3 $60 $60 $150

*Only certain Prescription Drug Products are available through mail order; please visit www.myuhc.com or call Customer Care at the telephone number on the back of your ID care for more information.

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http://www.myuhc.com/


PRESCRIPTION COVERAGE HSA ONLY

OptumRX Pharmacy

Special Note: HSA Plan the deductible must be met before co-pays take affect

Tier Level RetailUp to 31 day supply

*Mail Order

Network Non-Network Network

1 $10 $10 $25

2 $35 $35 $87.50

3 $60 $60 $150

*Only certain Prescription Drug Products are available through mail order; please visit www.myuhc.com or call Customer Care at the telephone number on the back of your ID care for more information.

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• Participating providers (including pharmacies) can be found via the www.myuhc.com website.

• You are not required to choose a primary care physician.

• You can see a specialist without a referral.

MEDICAL INSURANCE - PROVIDERS

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NURSELINE

• www.myuhc.com

• Login – “Ask a Nurse” section

• 1-888-887-4114

• Understand treatment options• Ask medication questions• Choose appropriate medical care• Locate available local resources• Find doctor, hospital, or

specialists in your network.• Assist with scheduling

appointments.

http://uhc.mynurseline.com/unitedhealthcare


http://uhc.mynurseline.com/unitedhealthcare


UHC covers preventative services, as specified in the health care reform law, at 100% without charging a co-payment, coinsurance or deductible, as long as they are received in the health plan’s network.

Covered Preventative Care could include:

• Physicals

• Immunizations

• Certain Lab Testing

• Certain Screenings

PREVENTATIVE CARE

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• Dental Insurance is through Guardian.

• In-network and out-of network options.

• Choice of plans: Option 1 “Base Plan” or “Option 2 “Buy-Up Plan”.

DENTAL INSURANCE

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DENTAL INSURANCE

Compare the Plans Option 1: Base Plan Option 2: Buy-Up Plan

Calendar Year Deductible

In Network Out of Network

In Network Out of Network

Individual $50 $100 $50 $100

Waived for Preventative None Preventative None

Charges Covered for You

Preventative Care (cleanings)

100% 80% 100% 100%

Basic Care (fillings) 80% 50% 90% 80%

Major Care (crowns, dentures, etc)

50% 25% 60% 50%

Orthodontia Not Covered 50% 50%

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• Vision Insurance is through Vision Service Plan (VSP)

• In-network and Out-of network options.

• Search for Providers using www.guardiananytime.com

VISION INSURANCE

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http://www.guardiananytime.com/


VISION INSURANCE

*Benefit includes coverage for glasses or lenses, not both

Understand Your Plan Full Feature Designer

Copay

Exams $10

Materials $20

Service Frequencies

Exams Every Calendar Year

Lenses Every Calendar Year

Network Discounts Applies to first purchase and courtesy discount from most providers on subsequent purchases

Dependent Age Limits 26

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• CGM’s 401(k) Retirement Savings Plan allows you to contribute from 1% to 80% of your eligible pay on a pre-tax basis, up to the IRS limit of $17,500 for 2015.

• If you are age 50 or older, the IRS limit allows for an additional “catch up” contribution of $5,500.

401(K) RETIREMENT SAVINGS PLAN

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• Safety net for your family.

• CompuGroup provides basic life insurance at one times your salary up to a maximum of $50,000 at no cost to you.

• Additional life insurance for yourself, spouse and children is available for an additional cost.

LIFE INSURANCE

813.846.1235

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LIFE INSURANCE

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• Safety net for your family.

• CompuGroup provides basic AD&D insurance at one times your salary up to a maximum of $50,000 at no cost to you.

• Additional AD&D insurance for yourself, spouse and children is available for an additional cost.

ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE

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• STD coverage provides income replacement while you are on a short-term leave of absence due to a non-occupational accident or illness.

• 1 to 8 day waiting period

• CGM provides a benefit equivalent to 60% of your eligible pay (less any amount payable under programs such as Social Security or state disability)

• Maximum benefit is $1,000 a week for up to 13 weeks.

SHORT TERM DISABILITY (STD)

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• LTD coverage provides financial assistance if you are unable to work for an extended period of time due to an illness or injury.

• 90 day waiting period

• CGM provides a benefit equivalent of 60% of your eligible pay, up to a maximum of $6,000 per month (less any amount payable under programs such as Social Security, workers comp., or state disability.)

LONG TERM DISABILITY (LTD)

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Health Care

• Up to $2,500 annual contributions

• Pre-tax

• Co-pays, deductibles, etc.

Dependent Care

• Up to $5,000 annual contributions

• Pre-tax

• Child care (daycare), elder care

FLEXIBLE SPENDING ACCOUNTS

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• Education• Financial Aid

Resources• Fitness &

Lifestyle Management

• Dependent & Elder Care

• Adoption• Relocation

EMPLOYEE ASSISTANCE PLAN (EAP)

• Unlimited free phone consultationswith an EAP Counselor.

• Referrals to local counselors – up to 3 free sessions.

Call 800-386-7055 (24/7)www.ibhworklife.comUsername: MattersPassword: wlm70101

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• Career Development

• Basic Tax Planning

• Debt Counseling

• Credit• Home Buying• Immigration• And more!

The EAP can offer help with:

http://www.ibhworklife.com/


WILL PREP SERVICES

Protect the Ones You Love

WillPrep has a range of services including online planning documents, a resource library and access to professionals to help with issues related to:

Advanced Health Care Directives Financial Power of Attorney

Wills Living Wills

Guardianship & Conservatorship Resource Library

Executors & Probate Healthcare Power of Attorney

Trusts Estate Taxes

www.ibhwillprep.comUsername: WillPrep

Password: GLIC09877-433-6789

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http://www.ibhwillprep.com/

EMPLOYEE DISCOUNTS


www.myuhc.com

Register

Click on “Extras & Program & Discounts”

Click on “United Health Allies”

Search via your zip code for participating vendors nearest you.

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EMPLOYEE DISCOUNTS


www.guardiananytime.com

Register

Click on “Discounts & Savings”

Click on the vendor’s icon to find out more about savings

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http://www.dell.com/us/en/gen/df.aspx?refid=df&s=gen

http://www.dell.com/us/en/gen/df.aspx?refid=df&s=gen

http://www.officemax.com/

http://www.officemax.com/

http://www.guardiananytime.com/


CGM Employees may receive a discount on their Verizon phone services as much as up to 20%.

Simply register your phone at My Verizon to review your billing and payment options.

www.verizonwireless.com

CGM Employees may utilize the CDW Computer Centers Employee Purchase Program to buy digital cameras, blackberries, notebooks,

i-Pods, software, hardware, etc.

Go to www.cdw.com/epp

Enter EPP Access Code: DA75EE4C

Fill out the required information to set up an online EPP e-Account.

EMPLOYEE DISCOUNTS

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http://www.verizonwireless.com/

http://www22.verizon.com/

http://www22.verizon.com/

http://www.cdw.com/

http://www.cdw.com/

http://www.cdw.com/epp

QUESTIONS


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2_Welcome to CGMUS_Benefits Presentation_2015

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