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BENEFITS OPEN ENROLLMENT 2018
WELCOME
Address: 7 Lebanon Street, Suite 203, Hanover, NH 03755Hinman Mail: HB 6042Phone: 603-646-3588 / Fax: 603-646-1108Email: [email protected]: dartgo.org/benefits
Betsy WilliamsonDartmouth, Health Benefits Administrator
Anne BuechsenschuetzCigna, Client Engagement Manager
Courtney RotchfordDartmouth, Wellness Manager
AGENDA
• Open Enrollment
• Information resources
• Defaulting of benefits
• Changes for 2018
• Review of benefits
• Action items and checklist
• Q&A
3
DEFAULTING OF BENEFITS
• Benefits that will not automatically re-enroll in 2018:– Dental
– Flexible Spending Accounts (FSA) elections
– Health Savings Account (HSA) elections
• Log into FlexOnline during Open Enrollment October 23 – November 6 to choose your benefits for 2018
• Plan year runs January 1-December 31, 2018
• Changes after the OE period ends (11:59 p.m. on November 6) will not be accepted
4Refer to Defaulting of benefits page of your Open Enrollment Guide
INFORMATION RESOURCES
• Rick Mills, EVP Presentation
– A recorded discussion on the health and benefits landscape and the information Dartmouth relies on to guide its decision-making process for the annual benefit changes.
– View Rick’s presentation at dartgo.org/benefits2018
• Open Enrollment Guide
– A comprehensive guide
– To view a copy of the guide, go to dartgo.org/benefits2018
• Employee Services Fair
– October 31 from 10am – 2pm in Alumni Hall
• “ALEX”
– An online tool used to assist you with your decision-making process.
– Utilize the “ALEX” tool at dartgo.org/ALEX
• One-on-one FlexOnline Enrollment Assistance
– October 23 – November 6
– Sign up at dartgo.org/lets-talk-benefits
5Refer to page 2 of your Open Enrollment Guide
“ALEX”
What is “ALEX?”
ALEX is an interactive online, easy to use tool, that allows you to estimate you and your family’s health care expenses.
Respond to ALEX’s questions about your estimated healthcare needs for you and your family, and he will provide a summary and recommendation on which plan might be best for you in 2018.
Costs are based on national averages and may not directly reflect medical costs in your geographic area.
“ALEX” is available for use now!
6“ALEX” does not create, receive, maintain transmit, collect or store any identifiable end-user information
HEALTH CARE TREND DRIVERS
7
Per capita increase in Dartmouth’s net medical
claims costs
Prescription drug price inflation
Percentage of members driving 42% of prescription
drug costs
Dartmouth’s 2016 Health Plan Key Metrics
2018 Marketplace Trends
Dartmouth 2018 Health Plan Rate Increase = 6.6%
Expected prescription drug trend
• 8%+ brand drug price inflation• Robust pipeline of high-cost
specialty drugs
Expected medical trend
• ~2% price inflation• Increased utilization from aging
population• Less competition among
providers and health plans
Percentage of members driving 30% of medical
claims costs
WELLNESS PROGRAMS
Wellness at Dartmouth supports employees and family members on their path to well-being through a variety of campus-wide programs and resources.
New for 2018! All benefits-eligible employees will need to elect a Wellness Program option for 2018, even if you waive medical coverage. If you do not elect a Wellness Program option, you will be defaulted to the Pulse Program.
Option 1: The Pulse Program
• This comprehensive well-being program provides cash rewards of up to $400 per calendar year (up to $800 per family) as well as one free activity and sleep tracking device (or a credit towards the purchase of another device).
Option 2: The Fitness Reimbursement Benefit
• The Fitness Reimbursement Benefit provides a reimbursement of up to $225 per calendar year per family for expenses limited to fitness facility and exercise class (including online/DVD exercise classes) fees.
Refer to page 21 of your Open Enrollment Guide 8
WELLNESS PROGRAMS
• Current Pulse Program Participants
• Important Tax Changes: Beginning October 1, 2017 any rewards earned through the Pulse program will be taxed when earned instead of redeemed.
• Upcoming MOVE IT Challenge: Pacific Coast Trail: November 6 – November 27
• Free Flu Clinic at Employee Services Fair 10/31
• 10 AM – 2 PM in Faculty Lounge (Hopkins Center)
• Register at flushot.dartmouth.edu
• Sign up for the Wellness at Dartmouth Newsletter
• Monthly newsletter announcing upcoming programs and events, relevant news, healthy recipe and more!
• dartgo.org/subscribe
www.dartmouth.edu/wellness9
DARTMOUTH HEALTH CONNECT
– A highly innovative relationship based primary care practice for employees and their adult family members enrolled on a College-sponsored Cigna health plan
– $0 co-pays
– Receive 24/7 access to a doctor with same or next day appointments for urgent needs
– Physicians are also available via email, text, and video
– Personal health coach dedicated to your well-being and access to an in-house behavioral health specialist
– Accepting new patients, including Medicare eligible patients effective 10/1/17
Please note: the IRS prohibits Dartmouth Health Connect patients from contributing to or receiving contributions to a Health Savings Account (HSA).
www.dartmouthhealthconnect.com / 603.738.1164
10Refer to page 11 of your Open Enrollment Guide
HEALTH INSURANCE 101UNDERSTANDING THE TERMS AND HOW THE PLAN WORKS
DEDUCTIBLEA fixed annual dollar amount that you pay out-of-pocket during the calendar year toward health care services before the plan begins to pay.
COINSURANCEA fixed percentage of covered health care services or prescription drug costs that you pay after the deductible amount is paid. The plan pays the rest.
COPAYS A fixed dollar amount you pay at the time health care services or prescription drugs are received, regardless of the total charge for services. The plan pays the rest.
GLOBAL OUT-OF-POCKET
MAXIMUM
The most you pay before the health plan begins to pay at 100% of covered charges.
PREVENTIVE CARE Certain services allowed under the Affordable Care Act (ACA) are at no cost to you when using in-network providers: https://www.healthcare.gov/coverage/preventive-care-benefits/
PRESCRIPTION DRUGS Amount you pay for prescription drugs, may be a copay or full cost, up to deductible amount, depending on the plan you choose.
11
MEDICAL PLANS
• Dartmouth will continue to offer three medical plan options in 2018
• Important features of all three plans National Network of Providers
In-Network Preventive Care
Telehealth
No referral needed to see a specialist
24-Hour Emergency Care both in and out of network
No claim paperwork required when using in-network services
Out of pocket limits, allow for limited spending
Access to Dartmouth Health Connect with all three plans, except when contributing to HSA
Plan costs are deducted from your paycheck on a pre-tax basis
12
IN-NETWORK PROVIDERS VS OUT-OF-NETWORK PROVIDERS
IN-NETWORK• All three plans have access to CIGNA’s national network of participating providers.
• CIGNA participating providers agree to charge no more than the contracted “maximum reimbursable amounts” for covered services.
• Visit www.cigna.com to find in-network providers
OUT-OF-NETWORK• You may also use out-of-network providers but in most cases you will pay more out of
pocket. When utilizing services outside of the CIGNA network, members are subject to higher
deductibles, coinsurances and out of pocket maximums
• Out-of-Network providers are not required to follow the same rules as in-network providers. Providers may charge above and beyond the contracted “maximum reimbursable
charge”. You pay the difference May or may not submit claims on your behalf (You may have to pay full amount at time
of service and submit claim to Cigna yourself)
13
MEDICAL TELEHEALTH
Confidential, unpublished property of Cigna. Do not duplicate or
distribute. Use and distribution limited solely to authorized personnel. ©
2016 Cigna
Step 1: Call toll-freePatient calls toll-free hotline available 24/7/365 including holidays. MDLIVE 888.726.3171. American Well 855.667.9722
By phone BY VIDEO CONFERENCE
Step 1: Visit websitePatient visits the American Well or MDLIVE website or can download each mobile app and log in with username and password.
Register onlinePatient registers online with one or both vendors so they are ready to use service when needed
Register with one or both vendors
Step 2: Speak with a coordinatorA consultation coordinator locates the next available doctor and prepares patient for the consultation.
Step 2: Find a doctor
System helps the patient search for a doctor by
a criteria, such as specialty, language, gender,
location, or simply finds the next available doctor.
Step 3: Speak with the doctorOnce an available doctor is located, the system automatically calls and connects the doctor to the patient vs. others.
Step 3: See the doctor onlineOnce an available doctor is located, the system automatically connects the doctor to the patient.
Post-visit
Email communicationPatient can elect for consultation history to be sent to personal doctor.
Prescription servicesAmwell and MDLIVE doctors may prescribe medication when appropriate and send the prescription directly to your pharmacy.*
Health care services are delivered by American Well and MDLIVE participating doctors and not by Cigna. Availability may vary by location and is subject to change. See vendor sites for details. *American Well and MDLIVE do not guarantee that a prescription will be written. Not all prescriptions are available.
• Acne
• Allergies
• Asthma
• Bronchitis
• Cold & Flu
• Diarrhea
• Ear Aches
• Fever
• Head Ache
• Infections
CONDITIONS TREATED BY TELEHEALTH DOCTORS
15
• Insect bites
• Joint aches
• Nausea
• Pinkeye
• Rashes
• Respiratory infections
• Sinus infections
• Skin infections
• Sore throat
• Urinary tract infections
• Cold and flu
• Constipation
• Earaches
• Nausea
• Pinkeye
General health Pediatric care
Health care services are delivered by American Well and MDLIVE participating doctors and not by Cigna.
• Acne
• Allergies
• Asthma
• Bronchitis
• Cold and flu
• Diarrhea
• Earaches
• Fever
• Headache
• Infections
16
TELEHEALTH
OPEN ACCESS PLUS PLAN (OAP)
No change
Key Benefits of choosing the OAP plan• The deductible, medical copays and prescription copays are the lowest of the
three plans
• Employees and employer may contribute to Health Care Flexible Spending Account
• Dartmouth Health Connect is available
Other considerations• Has the highest rates of all three plans
• Medical and prescription copays DO NOT count towards annual deductibles but do count toward out-of-pocket maximums
• This is the only plan available to J VISA holders
17
Has the highest plan cost, but lowest deductible, and lowest out-of-pocket costs for medical and prescription expenses.
Refer to page 6 in Open Enrollment Guide for more information
CIGNA CHOICE FUND® PLAN (CCF)
No change
Key Benefits of choosing the Cigna Choice Fund® plan:
• The deductible, co-pays and prescription copays are mid-level, but generic prescriptions are still $5
• Employer contributes to HRA
• Employee may contribute to HCFSA
• Dartmouth Health Connect is available
Other Considerations
• Medical and Prescription copays DO NOT count towards annual deductibles but do count toward out-of-pocket maximums
18
Has mid-level rates and out-of-pocket costs.
Refer to page 7 in your Open Enrollment Guide
HIGH DEDUCTIBLE HEALTH PLAN (HDHP)
Change in deductibles
Key Benefits of choosing the High Deductible Health Plan
• Has the lowest rates of all three plans
• Employer may contribute to an HRA or HSA – this is the only plan that allows HSA contributions
• Employees may contribute to HCFSA when electing HDHP with HRA
• Dartmouth Health Connect available for employees with HRA
Other Considerations
• This plan has the highest deductible of the three plans $2,700 individual/$5,400 Family (In-Network)
• You pay 100% of all medical and prescription costs until your annual deductible has been met
19
Lowest plan rates, but has the potential for highest out-of-pocket exposure, dependent upon utilization
Refer to page 8 of your Open Enrollment Guide
INFERTILITY PROGRAM UPDATE
20
• Dartmouth must terminate the current infertility reimbursement program in order to comply with federal guidelines.
• As a temporary solution, infertility services and prescriptions will be covered under the medical (Cigna) and prescription drug (CVS/caremark) plan in 2018.
• The plan will cover up to $5,000 under Cigna and $5,000 under CVS/caremark in 2018 for infertility-related services.
• Infertility benefits will be subject to the cost-sharing related to each of Dartmouth’s three medical plan designs.– E.g. infertility services in the HDHP will be subject to the deductible and coinsurance requirements.
• The College Benefits Council will be reviewing Dartmouth’s infertility benefits and considering any changes for 2019.
TURNING 65 & BECOMING MEDICARE ELIGIBLE
• Retiree medical rates will increase by 7.9%
• Turning 65 and continuing to work
• Turning 65 and considering retirement
• Do your research on Medicare
• Be aware of timelines
• For more information visit dartgo.org/retirees
Refer to page 25 of your Open Enrollment Guide 21
WHAT IS A TAX-ADVANTAGE ACCOUNT?
Tax-advantage accounts are a way of putting money aside tax-free throughout the year, and then later using those dollars to pay for your health care or dependent care needs.
Dartmouth offers four different types of tax-advantage accounts that eligible employees can elect. In some cases Dartmouth may contribute money into the account, and in other cases, you may also be eligible to contribute.
• Health Care Flexible Spending Account (HCFSA)
• Health Reimbursement Account (HRA)
• Health Savings Account (HSA)
• Dependent Care Flexible Spending Account (DCFSA)
22Refer to page 12-17 of your Open Enrollment Guide
HEALTH CARE FSA (HCFSA)ADMINISTERED BY WAGEWORKS FORMERLY KNOWN AS CROSBY
Key Benefits of choosing a Health Care Flexible Spending Account
⁻ Set aside pre-tax dollars ($2,600 = 2017 limit) that you can use throughout the year to pay for eligible medical expenses.
⁻ Dartmouth makes an HCFSA contribution for eligible employees ($250)*
⁻ Funds you select are available on January 1, 2018
⁻ You can carry-over up to $500 total in Health Care FSA dollars into the following year
⁻ Use in conjunction with HRA to pay for dental and vision
⁻ Health Care FSA funds are deducted from your paycheck pre-tax
23* Non-exempt employees and employees who make $60,000 per year or less and choose OAP or no coverage may be eligible to receive the Dartmouth $250 HCFSA contribution . SEIU check union contract
HEALTH CARE FSA (HCFSA)
Other Considerations
- Some expenses require substantiation. Keep your receipts!
- Unused HCFSA funds are forfeited if you leave Dartmouth.
- Annual election cannot be changed after Open Enrollment (except with certain qualifying life status changes)
IRS regulated deadlines
- Runout Period – All expenses incurred in 2017 must be submitted no later than March 31, 2018
- Carry-over – 2017 carry-over dollars (maximum of $500) will not be added to your 2018 balance until mid-April, 2018
- If you elect an HSA in 2018, you may only access carry-over dollars for expenses incurred in the 2017 plan year.
24Refer to page 13 of Open Enrollment Guide
HEALTH REIMBURSEMENT ACCOUNT (HRA)
No changeKey Benefits of choosing a plan with an HRA
• HRA dollars are solely funded by Dartmouth ($500 individual/$1,000 two or more) to help you reduce the amount you pay toward medical care during the year
• Account is front loaded so funds are available for immediate use (January 1, 2018)
• Deductibles and coinsurance (as applicable) are automatically paid from your HRA account for you
• There is no paperwork, substantiation or tax reporting required
• You can elect a Health Care FSA
Other Considerations
• The account belongs to Dartmouth College and the balance does not go with you when you leave
• Balance carry-over only if you choose the same plan for 2018
25Refer to page 14 of Open Enrollment Guide
HEALTH SAVINGS ACCOUNT (HSA)
Changes
Key Benefits of choosing a plan with an HSA
• You own it. Balance carries over indefinitely, through retirement
• Dartmouth contributes to HSA $500 individual/$1000 two or more
• No substantiation required (file amounts at tax time and keep receipts in case of audit)
• You can make changes to your contribution amount any time during the year
• Employees over age 55 can contribute an additional catch-up amount of $1,000 per year.
26Refer to page 15 of Open Enrollment Guide
HEALTH SAVINGS ACCOUNT (HSA)
Change in contribution limits
Other Considerations Funds are available as they are deposited (employer funds available January 1)• Strict IRS eligibility guidelines
• Cannot be enrolled in Medicare, Tricare or other health plan
• IRS limits include employer contribution - $3450 Individual/$6900 family
• Mid year tier changes can change your annual limit amount (i.e. Family to Single). Consult with a tax professional
• If you had a HCFSA in 2017 and you elect an HSA in 2018, you may only access HCFSA carry over dollars for expenses incurred in the 2017 plan year.
27Refer to page 15 of Open Enrollment Guide
DEPENDENT CARE FSA (DCFSA)
No ChangeA Dependent Care Flexible Spending Account allows you (and your spouse, if applicable) to use pre-tax dollars to pay for the care of one or more qualifying IRS dependents.
• Key benefits of contributing to a DCFSA
– Up to $5,000 of household income can be used tax-free to pay dependent care expenses.
– Qualifying dependents may be defined as children under the age of 13, your spouse, or a qualifying child or relative who is physically or mentally incapable of self care.
– Use to pay for child care services, a nanny, summer day camps, adult day centers for aging parents, nursing care for a person who is disabled.
28Refer to page 16 of Open Enrollment Guide
DEPENDENT CARE FSA (DCFSA)
Other Considerations
• Dartmouth does not contribute to this benefit.
• Strict year end deadlines:– Grace Period: Current participants - you have until March 15, 2018 to incur claims to spend down your remaining 2017 balance.If you elect the benefit in 2018, you will have until March 15, 2019 to incur claims to spend down your remaining 2018 balance.
– Run-Out Period: For current participants - you have until March 31, 2018 to submit claims incurred between January 1, 2017 and March 15, 2018.
If you elect the benefit in 2018, you will have until March 31, 2019 to submit claims incurred between January 1, 2018 – March 15, 2019.
– Use-it-or-Lose-It: If all claims are not submitted by the deadline you will lose the remaining balance in your account.
• You cannot contribute to a DCFSA while you or a spouse are not working (i.e. leave of absence, hiatus, unemployed, etc.)
• Funds are available as they are deposited.
• Claims are submitted manually using the reimbursement form found at dartgo.org/hrforms
29
PRESCRIPTION DRUG COVERAGE
30
Pharmacy – No Change⁻ Prescription coverage is included with monthly medical rate
costs⁻ Use a national network of CVS, chain, or independent
pharmacies for 30-day supplies⁻ Get 90-day maintenance prescriptions available at reduced
cost when you use CVS mail service or CVS retail stores⁻ HDHP participants pay full cost (first dollar costs) of
prescriptions⁻ Certain preventive prescriptions on HDHP offered at no cost
(for list see www.dartgo.org/preventive-drug-list)
Refer to page 18 of Open Enrollment Guide for pricing and additional information
VISION COVERAGE
31
Vision Benefit – No Change
• Vision benefit is included with Cigna medical plan rates (monthly or biweekly)
• Runs on a calendar year – same as medical• One preventive exam per plan year is covered at 100%• Materials allowance for OAP and CCF plans ($50)• Vision discounts available through Cigna Healthy
Rewards dartgo.org/healthy_rewards
Refer to page 19 of your Open Enrollment Guide
MEDICAL PLAN COST ESTIMATOR
32
MEDICAL PLAN COST ESTIMATOR
33
DENTAL INSURANCENORTHEAST DELTA DENTAL
Changes in Dental Plan
Two plan options
Low Plan⁻ Annual deductible ($50 individual/$150 family)⁻ Preventative services covered at 100%, basic restorative 80% after deductible⁻ No orthodontia coverage⁻ Annual plan max is $750 per enrolled member
High Plan⁻ No deductible⁻ Preventative services covered at 100%, basic restorative at 80%, major restorative
50%⁻ Orthodontia coverage (including adult) - $2,000 lifetime max per enrolled member⁻ Annual plan max per enrolled member is $5,000
*If you do not elect a dental plan, you will default into NO COVERAGE
34Refer to page 20 in your Open Enrollment Guide for monthly rates and additional details
LIFE INSURANCE
No change
Basic Group Term Life Insurance• Faculty, Exempt and Non-Exempt employees are eligible to receive a $50,000
basic life option at no cost • SEIU employees with 1 year of service receive 2.5 times annual salary at no
cost• Research Associate B’s and Research Fellows may purchase Basic Life
Voluntary Group Term Life• Non SEIU Employees may purchase group term life insurance from 1-8 X
annual salary, up to a maximum of $1,500,000• Rates are calculated based on age bands and per thousand dollars of
coverage
Dependent Life Insurance• This is a life insurance policy in which you are named the beneficiary, in the
event that something should happen to your insured dependents
35Refer to page 22 in your Open Enrollment Guide for coverage rates
LIFE INSURANCE
For enrolled participants and their spouses
Travel and Accident InsuranceA valuable benefit through an arrangement with MetLife which offers you and your dependents medical, travel, legal, financial, and concierge services 24 hours a day, 365 days a year while traveling internationally or domestically.
Estate Resolution ServicesEnrolled participants receive Estate Resolution Services at no cost when using a participating plan attorney. This valuable service gives your beneficiaries the personal support of a participating Hyatt Legal Plan’s attorney in-person or by telephone.Visit dartgo.org/estate_resolution
Will Preparation ServicesEnrolled participants and their spouses receive will Preparation services with face-to-face access to attorneys participating in the Hyatt Legal Plan’s network for preparing or updating a will, living will, and power of attorney.Visit dartgo.org/will_prep
36Refer to page 22 in your Open Enrollment Guide
SUPPLEMENTAL BENEFITS
Winston Benefits offers supplemental benefits that can provide additional financial protection from out-of-pocket expenses, and can be helpful if your medical plan has a high deductible.
All benefits are 100% portable, meaning coverage is yours to take with you should you leave Dartmouth College for any reason.
• Aflac Hospital Indemnity Insurance – Helps pay deductibles, coinsurance and living expenses due to hospitalization
• Personal Accident Insurance (Aflac and Boston Mutual) –helps pay for medical costs associated with an accidental injury
• Transamerica Critical Illness/Cancer Insurance –pays lump sum for critical illness; heart attack, cancer, stroke, end stage renal
• Transamerica Universal Life Insurance with Long Term Care – a permanent life insurance policy that accumulates a cash value as long as premiums are paid
For questions or to add/drop coverage, contact Winston Benefits directly at:• Visit dartgo.org/supplement• Call 855-805-5840
37Refer to page 23 in your Open Enrollment Guide
DISABILITY INSURANCE
LIBERTY MUTUAL –New Vendor PartnerProvides income protection in the event that an illness or injury prevents you from working –both on a short-term and long-term basis
Short Term Disability (STD)If you cannot work due to disability, the Short Term Disability Plan can provide income replacement for up to 26 weeks.
Long Term Disability (LTD)If your Disability continues beyond 26 weeks, you may be eligible for benefits through the Long Term Disability plan.
Employees on short-term disability prior to the effective date with Liberty Mutual will continue to have their claims administered by Matrix Absence Management until they return to work or transition to long-term disability
38Refer to page 23 in your Open Enrollment Guide
FACULTY/EMPLOYEE ASSISTANCE PROGRAM (F/EAP)
39
• The F/EAP director announced his retirement effective October 2017.
• Dartmouth will be introducing a new partner, ComPsych, in September 2017 to augment the existing F/EAP benefits offered to employees and their family members.
• In addition to limited on-campus resources, ComPsych will provide employees and their families with:
– Up to 8 free face-to-face counseling sessions per issue per year with ComPsych’s network of counselors
– Unlimited 24/7 telephonic support for personal issues, including but not limited to:
• Assistance finding child or elder care
• Relocation services
• Adoption and new parent guidance
• Travel planning assistance
– Unlimited telephonic access to ComPsych’s financial and legal experts and discounted referrals to local attorneys
RETIREMENT BENEFITS
40Refer to page 26 in your Open Enrollment guide
• Revisit your retirement elections in FlexOnline
• 401(a) Defined Contribution – Dartmouth contributes on your behalf
• 403(b) Supplemental Retirement Accounts (SRA)
– You make pre-tax contributions, can adjust throughout the year
– Some employees eligible for match
• Annual limits for 2018 announced in OctoberRefer to dartgo.org/benefits
OTHER BENEFITS
Tuition BenefitCheck website for a full listing of educational activities eligible for reimbursementhttp://www.dartmouth.edu/~hrs/profldev/tap.html
Faculty & Staff Emergency Loan ProgramNo interest emergency loan program for eligible faculty, salaried staff and hourly paid staff. Visit dartgo.org/employee-loans.
Health Care Cost Hardship ProgramA program designed to help you with extensive medical costs. Visit dartgo.org/healthcare-cost-hardship
Adoption ReimbursementDartmouth College will contribute up to $5,000 per calendar year for expenses related to the adoption of a child. Visit dartgo.org/adoption
Infertility Benefit – now part of the medical plan
Faculty and Employee Assistance Program( F/EAP)For information about the F/EAP visit www.dartmouth.edu/~eap/
41Refer to page 27 of your Open Enrollment Guide
OPEN ENROLLMENT CHECKLIST
Your Action Items
Watch Rick Mills’ video on benefits and the changing health care landscape
Review the Open Enrollment Guide
Attend the Employee Services Fair on October 31 from 10am – 2pm
Access claims from Mycigna.com and CVS to review your family’s medical and prescription drug usage
Utilize the ALEX tool for plan recommendations
If you need assistance with your FlexOnline enrollment, sign up for a one-on-one session
Log into FlexOnline between October 23-November 6 to: Make your annual benefit elections
Update your dependent info and social security numbers
Update your annual retirement elections (optional)
42For links and more information visit dartgo.org/benefits2018
QUESTIONS?
Thank you for your time! 43
