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Benefits Open Enrollment Guide
Make Choices by December 5, 2016
Effective Date - January 1, 2017Open Enrollment is the time to review all benefit plans. You may change or cancel plans, add or delete dependents and change beneficiaries.
Current plans will renew in 2017 if no action is taken during this open enrollment period.
Exception: Flexible spending elections must be renewed annually.
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It is time for benefits open enrollment. We ask that you review your benefit elections and consider any changes you may want to make for 2017. Consider changes in your life this past year and how they may affect the choices you make about your benefits.
As you know, health care costs have continued to rise. We have seen large increases in the amount we spend on hospital claims and prescription drugs. However, we are committed to providing the best plans at a reasonable cost to our employees. We have great partners and providers who know benefits inside and out. The health of you and your family is important to us. We have worked to maintain increases in employee premiums at levels below the national average and have done so since 2002.
Login to the Zone to make your enrollment elections today. For futher assistance, please contact HR Shared Services at (713) 346-6350, option 2 or via email at [email protected]
We realize these are important decisions so please take advantage of the information available as you consider your open enrollment decisions.
Sincerely,
Kristi Pittman Director, Benefits & Human Resources Shared Services
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Have Questions?Contact our new HR Call Center today
One stop for:• General Payroll Questions
• Insurance / 401(k)
• Leave of Absence Requests
• Navigating the Zone*
• Paid Time-Off
…and many other HR-related questions
Many Ways to Connect:• Call:
Direct (713) 346-6350 or extension 6350
• Email:
• Through the Zone:
HR Request Form – Zone link under Personal tab
• Coming Soon:Phone App for the DTTP
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Your Medical & Rx BenefitsYour medical benefits will continue to be provided through Cigna Healthcare and prescription coverage will continue through Catamaran under the new name of OptumRx. As a reminder, there will be no increases to the 2017 medical premiums per the contract.
Your Medical Benefits at a Glance
PPO – Buy Up Plan PPO – Core Plan
Covers: 80% In-Network / 50% Out-of-Network
Covers: 70% In-Network / 50% Out-of-Network
Deductible: Individual $750 / $1500 Family $2250 / $4500
Deductible: Individual $1500 / $3000
Family $4500 / $9000
Out-of-Pocket Maximum: Individual $3000 / $6000 Family $6000 / $12,0000
Out-of-Pocket Maximum: Individual $5000 / $10,000 Family $10,000 / $20,0000
Co-pay: $40 Primary Care, $50 Specialist Co-pay: $50 Primary Care, $60 Specialist
Emergency Room Co-pay: $100 Emergency Room Co-pay: $150
Mental health is covered as any other condition Mental health including Rx is not covered
RX Deductible: $150 Individual / $300 Family RX Deductible: $150 Individual / $300 Family
Rx Co-pay Retail: Gen $15, Brand $35, Non-Pref $70
Rx Co-pay Retail: Gen $20, Brand $50, Non-Pref $80
Rx Mail Order: Gen $30, Brand $70, Non-Pref $140
Rx Mail Order: Gen $40, Brand $100, Non-Pref $160
Both plans have unlimited lifetime maximums, allow for diabetic supplies through Diabetic Sense only and allow for specialty prescriptions to be filled by Optum’s Specialty Pharmacy, Briova only. For more information or to enroll in Diabetic Sense, call Optum at 888-869-4600.
The chart above is a summary of the major differences between the two plans only. Please refer to the summary plan descriptions for a complete list of covered expenses and plan specifications. For a complete list of covered providers in your area, please go to www.mycigna.com, or call Cigna at 800-244-6224.
Getting Started with Open Enrollment Review Medical & Rx Choices
Important Information about CatamaranRx
Catamaran is now officially OptumRx. New Cigna ID cards will be mailed to your home address with the updated Rx information. The plan and group numbers will not change. For more information, call OptumRx at 1-888-869-4600.
Plan Selected Weekly Premium
Core Plan – Employee Only $10.11
Buy Up Plan – Employee Only $25.20
Core Plan – Employee + Children $37.77
Buy Up Plan – Employee + Children $49.94
Core Plan – Employee + Spouse and/or Family $75.68
Buy Up Plan – Employee + Spouse and/or Family $101.05
Check out MyCigna.ComHave you checked out mycigna.com?
Mycigna.com is a helpful tool to use for your insurance needs. At mycigna.com you can:
• Check on claims
• Print ID Cards
• Shop for lower cost options on
prodedures
• Find in-network doctors in your area.
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Your Dental BenefitsMetLife will be replacing Cigna as the new carrier for dental coverage in 2017. There will be no changes to the coverage details; however, we strongly encourage you to check with your dentist to confirm that they accept MetLife Dental. If your dentist is not a MetLife provider, you can still see them for treatment, but you should consider using a MetLife dentist for additional savings and to make your dental benefits stretch further.
Plan Selected Weekly Cost
Core Plan – Employee Only $1.85
Buy Up Plan – Employee Only $2.60
Core Plan – Employee + 1 $4.15
Buy Up Plan – Employee + 1 $8.45
Core Plan – Employee + 2 or more $6.92
Buy Up Plan – Employee + 2 or more $10.39
Your Dental Benefits at a Glance
Buy Up Plan Core Plan
Annual Deductible Ind $25 / Fam $75 Ind $50 / Fam $150
Annual Max/Person $2000 $1000
Preventive Care 20% No Deductible 20% No Deductible
Basic Treatment 80% / 20% 80% / 20%
Major Treatment 50% / 50% 50% / 50%
Orthodontia 50% / 50% with $50 Deductible
& $1000 Lifetime Maximum
Not Covered
Please refer to the Summary Plan Description for a detailed explanation of covered/non-covered benefits, plan requirements and applicable co-pays.
Next Step Review Dental Choices
Important Information about your Dental Coverage
New cards will NOT be mailed out by MetLife. To obtain your new ID card and view a complete list of providers, please visit their website at www.metlife.com/mybenefits or call 1-800-942-0854.
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Metropolitan Life Insurance Company200 Park AvenueNew York, NY 10166www.metlife.com
19-29650© 2015 METLIFE, INC. L0715430592[exp0916][All States] PEANUTS © 2015 Peanuts Worldwide
www.metlife.com/mybenefits
Learn More about Your MetLife Benefits
MetLife benefits information right from your desktop
The MyBenefits web site is a quick and easy way for you to get the information you need about your MetLife benefits – all in one place. Log in at www.metlife.com/mybenefits to see how we’ve taken personalization and integration to a new level.
Personalized homepage to all your MetLife benefits
Get more information on your MetLife benefits, where you can link to detailed coverage information and can perform tasks, such as:
Dental Plans – Easily find a participating dentist or view your benefits, copay or coinsurance amount, and claims* online. Plus, you will have access to our extensive Oral Health Library to research important dental topics.
Dental ID cards are available online for you to download and
print at your convenience. Cards contain your name, employer’s name and group number. Also included are MetLife’s claims submission address,* website address, customer service telephone number and a service number for International Dental Travel Assistance*.
Additional MyBenefits features include:
• Planning tools that you can use to help you make informed decisions regarding your retirement, benefits coverage as well as other useful information for a variety of everyday topics.
• Forms and documents that you may need are located in the “Tools & Resources” area at the bottom of the MyBenefits home page for you to download.
• In the “News & Updates” section you’ll find information from MetLife and your employer such as enrollment dates and new product offerings.
• Online claims tracking and email notifications called eAlerts, which will provide information regarding status changes to your claims for certain benefits.*
*ThisfeatureisnotavailableformemberswithaMetLifeDentalHMO/Managedcareplan.Likemostgroupbenefitprograms,benefitprogramsofferedbyMetLifecontaincertainexclusions,exceptions,waitingperiods,reductions,limitationsandtermsforkeepingtheminforce.AskyourMetLifegrouprepresentativeforcompletedetails.1BeforeusingtheMetLifeDentalMobileApp,youmustregisteratwww.metlife.com/mybenefitsfromacomputer.Registrationcannotbedonefromyourmobiledevice.CertainfeaturesoftheMetLifeMobileApparenotavailableforallMetLifeDentalPlans.
The MetLife Mobile App is now available on the
iTunes® App Store and Google Play.
Download the app, and use it to find
a participating dentist, view your claims* and
to see your ID card.1
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Next Step Consider Flexible Spending
Flexible Spending AccountYou may allocate pre-tax dollars to be set aside from each paycheck for medical out-of-pocket expenses. This can include office visit co-pays, deductibles, vision exams, dental work and prescriptions. For a list of covered & non-covered expenses, please go to www.irs.gov – Publication 502.
You do not have to be enrolled in the health plan to participate. The elected amount will be available immediately and a debit card will be provided. Substantiation for amounts other than co-pays will be required so you’ll need to save receipts and insurance statements.
You may also allocate pre-tax dollars for daycare expenses. Daycare expenses are reimbursed up to the amount that you contribute each pay period.
All charges must be incurred during the Plan Year. Reimbursement will not be allowed for expenses incurred from prior years or for ineligible dependents. Plan wisely – unused balances will not be refunded.
Next Step Decide on Vision Care
Vision CareEmployees who enroll in the Davis Vision benefit are eligible for a free pair of safety lenses annually AND upon request at the initial visit.
Vision benefits are administered by Davis Vision. There is no ID card. Simply tell the provider that you are covered by Davis Vision when you make the appointment.
You may visit any doctor, but if you use an in-network doctor you pay a co-pay for most services. If you visit a doctor outside of the network, you pay the full amount at the time of the visit and submit a claim form for reimbursement.
In-Network
Co-pay for Exams (Every 12 Months) $10
Co-pay for Frames (Every 24 Months) $5
Co-pay for Lenses (Single/Bifocal/Trifocal) $5
Co-pay for Contacts (Every 12 Months) $24 / $45
Out-of-Network
Exams & Materials – Reimbursement of $50
Plan Selected Weekly Premium
Employee Only $0.00
Employee +1 $1.15
Employee +2 or More $2.07
Important NoteThe benefit plans you select during open enrollment will become effective on January 1, 2017 and will remain in effect for the entire calendar year unless you experience a qualified family status change (and make that change within 31 days of the event.)
Important NoteIf you would like to participate in flexible spending, you must enroll in the plan(s) each year during open enrollment.
Plan Contribution Limits:
$2,600 - Unreimbursed Medical Expenses
$5,000 - Day Care
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Next Step Review Additional Information on Voluntary Benefits in The Zone Company Provided BenefitsBasic Life InsuranceHourly employees are eligible for one times annual salary, up to $50,000 with a minimum of $30,000. This benefit is available to all eligible employees, at no cost.
Accidental Death & Dismemberment (AD&D)In the event of accidental death, your beneficiary will receive two times your annual salary, up to the same maximums as the basic life insurance.
Short-term Disability (STD)STD benefits are designed to help replace part of your income when you are temporarily disabled and unable to work. All regular-full time employees are enrolled in STD benefits after 90 days of employment. (Plan provisions apply.) The weekly benefit amount is $350 after a seven-day waiting period. Benefits may be received for up to 13 weeks including the waiting period, based on temporary total disability.
Other BenefitsMetlife Critical Illness PlanThe Metlife Critical Illness plan protects you and your family from the financial impact of battling cancer, heart attack, stroke, or kidney failure in either a $10,000 or $20,000 increment. Rate information can be found in The Zone under Benefits Enrollment Docs.
401(k) Retirement Plan – Wells FargoAfter 90 days of service, full-time employees may contribute up to 17% of their salaries on a pre-tax basis up to the annual maximum of $18,000. If you are age 50 or older, you may contribute additional catch-up contributions. For employees hired before 12/14/2002, Goodman matches $.50 on each dollar up to a maximum Company contribution of 3.25% of eligible pay. For employees hired after 12/14/2002, Goodman matches $.50 on each dollar up to a maximum contribution of 6% of eligible pay. Employees with five years of service with the Company or three years of plan participation (whichever is earlier) will be automatically vested in the Company contributions. At wellsfargo.com, you may enroll, find information about investment funds, request a loan or hardship withdrawal, change your deferral amount, and designate a beneficiary. Contact Wells Fargo at 800-728-3123 for more information.
Employee Assistance ProgramSometimes balancing work and family activities can create stress that is hard to handle on your own. To help you through these times, you can receive confidential counseling and referrals through the EAP at no cost to you. You and your eligible dependents can use the program. No enrollment is necessary and all employees are eligible.
Counseling is available through the EAP for personal issues such as:
• Family or marital problems
• Parenting concerns
• Emotional difficulties like depression, anxiety, guilt or grief
• Drug and alcohol dependency
• Stress and burnout
• Eating disorders like anorexia or bulimia
• Conflicts at work
• Crisis situations
• Questions about legal or financial concerns
• Questions on child or elder care
Counselors are available 24 hours a day and Goodman will pay for up to three onsite counseling sessions per person per year with an EAP counselor. For more information, call Lifeworks at 877-234-5151 and use the Company Code GOODMAN GLOBAL or visit the website at www.lifeworks.com; user name: goodman / password: eap.
Important Note401(k) catch up contributions are allowed for those age 50 or older in 2017, and must be elected annually by submitting a Benefit Change request, using Reason Code “Update 401k Catchup” in The Zone under the Benefits tab
401K Annual LimitsRegular contributions are $18,000.
Catchup contributions for age 50 and older are $6,000.
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How to EnrollSTEP 1 - After reviewing this brochure, begin open enrollment by logging in to THE ZONE (https://TheZone.goodmanmfg.com)
STEP 2 - Review your dependents and beneficiaries and make appropriate changes under MY DEPENDENTS and MY BENEFICIARIES under the benefits menu.
STEP 3 - Select OPEN ENROLLMENT under the benefits menu. Your 2016 benefit elections will be displayed, along with the 2016 and 2017 premiums. If you make changes, the premiums will change accordingly.
PRE-TAX BENEFITS• MEDICAL & DENTAL - Select the Buy Up or
Core Plan and the level of coverage
• VISION - Select the level of coverage only
• FLEX SPENDING - Select Health and/or Dependent Care – You will designate the annual amount later (see Step 6).
VOLUNTARY BENEFITS• Walk through each of the voluntary benefits.
Specific details on each are included in the step-by-step instructions available under Benefit Enrollment Docs in the Zone.
STEP 4 - Select only those dependents to be covered on each plan. When you are done, press RECALCULATE and, if satisfied, CONTINUE.
STEP 5 - Designate beneficiaries for each life insurance plan selected.
STEP 6 - If you selected flex spending, you will add the amounts on the savings plan worksheet.
STEP 7 - Confirm your benefit changes. If you need to make changes use the back button on the screen (not on your browser). You will be able to scan and upload any forms needed at this step. When you are finished with your selections, review and then hit the SUBMIT icon (looks like the SAVE button).
Next Step Enroll
Important NotesFor detailed step-by-step instructions, see the open enrollment instructions posted in the Zone under Benefit Enrollment Docs.
If you do not complete the open enrollment process, your current benefits will continue unchanged in 2017.
Abenity Discount Program• Provides a collection of local and
national discounts from thousands of companies as well as printable and mobile coupons
• Company-specific discounts like our Employee Purchase program or the Whirlpool VIPLink program can be found on the site https://goodmanmfg.abenity.com, code: GOODMAN
VISA Paycards – PayChekPLUS Elite• Provides employees with a direct
deposit without a bank account
• Access to the full balance at no cost from banks that accept VISA
• Free ATM at AllPoint ATM locations
• Online account access and bill pay
• Reduce worry over lost/stolen checks
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Need More Information?Start by going to the Zone (https://TheZone.goodmanmfg.com) where there are links to our benefit providers.
Cigna (Medical)www.mycigna.com or 1-800-244-6224
Optum Rxwww.optumrx.com or 1-888-869-4600
MetLife Dentalwww.metlife.com/mybenefits or 1-800-942-0854
Davis Vision Customer Servicewww.davisvision.com or 1-800-999-5431
Amegy Bank Connect Your Care Flex Spending www.connectyourcare.com or 1-866-326-9232
Wells Fargo Retirement Planwww.wellsfargo.com or 1-800-728-3123
Abenity Discount Programhttps://goodmanmfg.abenity.com code: GOODMAN
More DetailsDependent Children Age 19 thru 25Once a covered dependent child reaches the age of 19, he/she can remain on the healthcare plan as long as no other coverage options are available until he/she reaches age 26. You will be asked to complete an affidavit that certifies the child has no other coverage options each year.
Healthcare ReformThe medical plan continues to be “grandfathered” as defined by the healthcare reform law. Your 2016 W-2 will include the annual portion paid by the Company for your health insurance coverage. This is in compliance with the healthcare reform law. The amount will be listed in Box 12, Code DD. You will also receive a Form 1095C that confirms the period of healthcare coverage in 2016. This information will be needed when you file your 2016 taxes.
1999 Women’s Health and Cancer Rights Act Our plans comply with this act by providing coverage for mastectomies and for reconstructive surgery and prostheses following mastectomies. This coverage will be provided in consultation with the patient and the patient’s attending physician and will be subject to the same annual deductible, co-insurance and/or co-payment provisions otherwise applicable under the Plan.
Making ChangesIf you have a family status change this year, you will be able to make changes to your elections. Family status changes include, but are not limited to, new marriage, divorce, legal separation, annulment, birth, adoption or placement for an adoption of an eligible child, death of your spouse or covered child, change in your spouse’s work status that affects his or her benefits eligibility, or change in your work status that affects your benefits eligibility.
If you have a family status change, you must submit a benefit change request through The Zone within 31 days of the event and provide proof of the change (marriage license, birth certificate, etc). Otherwise, you will have to wait until the next annual enrollment period to make benefit changes.
About this Guide & Benefits Eligibility InformationThis guide describes the benefit plans/policies available to Goodman Union employees. The details of these plans and policies are contained in the official plan and policy documents, including some insurance contracts. This guide is meant only to cover the major points of each plan/policy. It does not contain all of the details that are included in your Summary Plan Description (SPD)*, as described by ERISA.
If there are any questions, or if there is a conflict between the information in this guide and the formal language of the plan or policy documents, the formal wording in the plan or policy documents will govern. Please note that the benefits described in this guide may be changed at any time and do not represent a contractual obligation on the part of Goodman.
Regular, full-time employees working 30 hours or more each week are eligible for the following benefits after 90 days of employment: medical, dental, vision, basic life, short-term disability, flexible spending, critical illness and employee discounts. After 90 days of employment, employees become eligible for the 401(k) retirement plan.
While you are in the Zone, it is a great time to update your address before W-2s are sent out, make sure your emergency contacts are still correct, and update your email address for Company communication.
*SPD’s can be found in the Zone under the Benefit Enrollments tab.
