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About this eGuide
This interactive, online enrollment guide includes the information you need to make the benefit elections that are
best for you and your family. Click through and learn about your benefit options and the resources available to help
you make your elections.
How do I use this guide?
• Use the arrows on the left and right sides of each
page to take you to the next or previous page
• Hover over bold words to view their definitions
• Use the tabs at the bottom of the page to jump
from section to section
• Click on links in green. Your mouse will change to a
pointer when a link is clickable
Look for the icons below as you use this
electronic guide:
+
Pop-up – Click this icon and additional information
will pop up.
Magnify – Click to magnify an area of the page. Scroll
your mouse wheel away from you to zoom in or toward
you to
About this eGuide This interactive, online enro
Welcome to your 2016 enrollment guide. We encoura
Do you need an incentive to focus on your health?
What’s inside 5 Learn about your options 40 Ho
Learn about your options Eligibility To qualify
Continuation coverage Medical and dental coverage
FYC needed at year end to qualify for group plan
Coverage categories When you enroll in medical an
Your medical options To help you navigate this s
How your medical options work Both options cover
How do the out-of-pocket maximums work? + Summa
How much the options cost The table below shows h
Comparing the options Feature Active Health Optio
Preventive care Preventive medical care focuses o
Contributions to your HRA If you participate in t
Focus on your health and get rewarded The best re
We want to make it easier and more rewarding for
Activity Action Eligibility Health incentive doll
Health management programs We recognize the healt
Other health management programs include: • Aetna
Your accounts To help you navigate this section
The accounts work a little differently and, depen
Do funds roll over each year? How can I access
Health Reimbursement Account The Health Reimburse
Flexible Spending Account for Health Care* The Fl
The PayFlex System PayFlex administers the HRA an
If you have an FSA for Health Care… The debit car
Using the HRA and the FSA for Health Care If you
Meet Michael – he has an HRA and an FSA for Healt
Let’s say Michael elects both the Active Health O
Your prescription drug coverage If you enroll in
Specialty drugs In general, specialty drugs are h
For members with specific, chronic conditions inv
Your dental options You have two dental coverage
How much the options cost The table below shows h
Your income protection options You have several
Contributory life insurance option If you qualify
Long-term disability Long-term disability (LTD) c
Keep in mind the following related to benefit dur
How to enroll After choosing the coverage and c
Terms to know Active Health Option A health plan
Out-of-pocket maximum The most you will pay out o
Resources and tools Enrollment resource Internet
Important information for you to know Important