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CLINICAL STAFF 2014 ANNUAL ENROLLMENT
November 10th thru 23rd, 2014
2401 York Road ∙ Timonium, MD 20193 ∙ 866-321-4267 ∙ www.cms24-7.com
Brought to you in partnership by Brooks Financial Group, Inc.
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IntroductionIntroductionChesapeake Medical Staffing (CMS) offers a very comprehensive benefitspackage designed to meet the various needs of our Clinical Staff.
This presentation will provide you with an overview of the many company benefitsoffered to you during this Annual Enrollment and Election Period.
During this Annual Enrollment and Election Period you will be able to enroll in benefit plans that you may have previously waived out of, or make changes to your current enrollment status without a ‘Qualifying Event’ (QE).
Changes outside of your initial election or annual enrollment periods may be accommodated based on a Qualifying Event (QE). Please see Katelin Sneckenberger in Human Resources for more details.
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Benefits Eligibility Benefits Eligibility Full-time employees working 30 hours or more per week, on average, areeligible to participate in the applicable benefit plans on the 1st day of the month following their full-time active employment date with CMS.
Full-time employees are eligible to participate in:
► Medical Benefits ► Health Savings Accounts (HSAs) ► Dental Benefits ► Vision Benefits
► Voluntary Term Life ► 401(K) Retirement Savings Plan*
* The 401(K) Retirement Savings Plan requires a 1 year of active full-time employment qualification period.
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Benefit Summary Plan DescriptionsBenefit Summary Plan Descriptions
• The Summary Plan Description (SPD) is a written description of your plans benefits, services, procedures in an easy-to-read format, including a statement of eligibility, summary of benefit coverage’s, employee rights and more.
• The specific Summary Plan Descriptions (SPDs) for the benefits offered by CMS can be located and viewed under “Documents Library” tab on the KTBS Online website - www.ktbsonline.com.
• For benefit questions, please contact Katelin Sneckenberger, Human Resources 410-321-4267, extension 119 or via email at [email protected]
• You may also contact Ryan Moxley, Senior Client Relationship Manager, Brooks Financial Group at 410-308-9800, extension 1237 or via email at
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Medical Benefits OverviewMedical Benefits Overview• CMS will offer three (3) CareFirst medical benefit plan options again this
election period. • As a result of the federal Health Care Reform (ACA) legislation, there
have been some plan modifications for the 2014 benefit offerings.• Coverage includes physician services, hospitalization, surgery,
diagnostic services, prescription benefits, behavioral health services, and more.
• Preventative Benefits are covered at 100% - No Deductible or Co-pays– Expanded in August 2012 to include Contraception, HPV testing, etc.
• If the Qualified High Deductible Health Plan (QHDHP) options is elected, the employee will be given the opportunity to enroll in a Health Savings Account (HSA) offered through the HSA Bank. (Enrollment link to follow)
• You can access resources, services, and find participating providers at: www.carefirst.com or www.ktbsonline.com
• You may also find ACA required health insurance information options at: www.kellyexchange.com or www.marylandhealthconnection.gov.
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Medical Benefits OptionsMedical Benefits OptionsBelow is a summary of the three medical benefit options offered through CareFirst BlueCross. For a plan to plan comparison or to view the specific benefit summary plandescriptions, log on to your personal KTBS Online portal at www.ktbsonline.com.
MEDICAL Option 1 Option 2 Option 3
CARRIER CareFirst BC CareFirst BC CareFirst BC
PLAN NAMEBlue Choice Healthy Blue
Plan Option CBlue Choice Advantage
Plan Option #2Blue Choice QHDHP/HSA
Plan Option #3
In-Network Benefits
Preventative Benefits 100% 100% 100%
Deductible (Plan Year) $1000/$2000 $2000/$4000 $4000/$8000
Co-insurance (Co-pays)100% or Co-pays - After
Deductible100% or Co-pays - After
Deductible Co-pays - After Deductible
Office Co-pay (PCP/SPC) $0/$30 Co-pay per visit $30 – After Deductible 100% – After Deductible
Other Co-pays (IP/ER) $300/$200-After Deductible $300/$300 – After Deductible $250/$100 - After Deductible
Diagnostics: (MRI/PET) 100%-After Deductible 10% – After Deductible 100% – After Deductible
Out-of-Pocket Maximum $4500/$9000 $4000/$8000 $5250/$10500
Prescriptions : 30 Days : 90 Days
$200 Deductible then,$10/$25/$45 Co-pay$20/$50/$90 Co-pay
$200 Deductible then,$15/$35/$60 Co-pay
$30/$70/$120 Co-pay
Integrated Deductible then, $15/$35/$60 Co-pay
$30/$70/$120 Co-pay
Out-of-Network Benefits Deductible N/A $4000/$8000 N/A Co-insurance N/A 60% N/A
Out-of-Pocket Maximum N/A $5950/$12000 N/A
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Health Savings Account (HSAs)Health Savings Account (HSAs)• Health Savings Accounts (HSAs) are offered to those employees
enrolled in the CareFirst Blue Cross Qualified High Deductible Health Plan (QHDHP) medical benefit option – Blue Choice QHDHP/HSA Option #3.
• HSAs use tax free dollars to cover expenses such as:– Deductibles; Co-pays; Dental expenses; Vision expenses; Over-the-
Counter medications – All of the IRC Section 213(d) eligible expenses• Maximum annual contributions for HSAs for 2014 are $3,300 Individual
and $6,550 for non-Individual coverage. • Access funds through either the debit card and/or checking account
through HSA Bank. Enroll here: https://secure.hsabank.com/enrollment/
• HSA funds are never at risk of forfeiture or loss.• You may also contact your personal bank and inquire about creating a
HSA account through them.
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Dental Benefit OverviewDental Benefit Overview
• Chesapeake Medical Staffing (CMS) also offers dental benefits through CareFirst Blue Cross.
• It is the CareFirst Regional Traditional plan #2
• Deductible: $50 Individual/$150 Family (Plan Year)
• Deductibles are Waived for Class I Preventative & Diagnostic Services.
• The plan provides coverage for Preventative, Basic and Major services.
• Annual Benefit Maximum per insured member is $1,000 per plan year.• CF provides a large network of Dentists. To find a dentist, please visit
www.carefirst.com and follow the ‘find a provider’ prompts.
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Dental Benefit OptionDental Benefit Option Below is a summary of the dental plan option offered through CareFirst Blue Cross. To view the specific benefit summary plan description, log on to your personal KTBS Online portal at www.ktbsonline.com.
CAREFIRST TRADITIONAL DENTAL BENEFIT PLAN #2
Deductible
Single/Family
Class I: Preventative 100% $0/$0
Class II: Basic Routine 80% $50/$150
Class IV: Major Services 50% $50/$150
Class V: Orthodontia N/A N/A
Annual Benefit Maximum $1,000 Per Insured Per Plan Year
Plan Type Traditional Dental CF Traditional Dental Plan #2
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Vision Benefit OverviewVision Benefit Overview
• Chesapeake Medical Staffing (CMS) also offers vision benefits through CareFirst Blue Cross.
• It is the CareFirst BlueVision Plus plan #3
• Deductible: $0 Individual / $0 Family (Plan Year)• Provides benefits for an annual eye exams, frames, lenses, contact
lenses and more.• CF provides a large network of Dentists. To find a dentist, please visit
www.carefirst.com and follow the ‘find a provider’ prompts.
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Vision Benefit OptionVision Benefit Option Below is a summary of the vision plan option offered through CareFirst Blue Cross. To view the specific benefit summary plan description, log on to your personal KTBS Online portal at www.ktbsonline.com.
CAREFIRST BLUEVISION PLUS PLAN #3Service Benefit FrequencyAnnual Eye Exams $10 Co-pay Every 12 months
Basic Bi-focal/Tri-focal Lenses No Co-pay Every 12 months
Specialty Lenses: Transition, Sun $30 - $90 Co-pay Every 12 months
Contact Lenses: Davis Collection No Co-pay Every 12 months
Frames: Davis Collection No Co-pay Every 12 months
Laser Vision Correction 25% Discount Every 12 months
Out of Network Benefits Provided Allowances Every 12 months
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Payroll DeductionsPayroll Deductions(Full Time Employees)(Full Time Employees)
2014 – 2015 Premiums Per Pay
Healthy Blue Plan C BC Advantage Plan #2 BC QHDHP/HSA #3Individual: $97.34 $86.15 $59.06 Employee/Children: $199.70 $178.99 $128.88Employee/Spouse: $253.89 $228.14 $165.84 Family: $314.10 $282.75 $206.91
Traditional Dental #2 Blue Vision Plus #3 Individual: $5.66 $.93 Employee/Children: $10.47 $1.72 Employee/Spouse: $13.02 $2.13 Family: $25.84 $2.60
Note: Payroll Deductions represent 52 pays per year.
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Voluntary Term Life and AD&D Voluntary Term Life and AD&D Benefits OverviewBenefits Overview
• CMS will offer Voluntary Life and AD&D insurance through Mutual of Omaha. Premiums are collected through payroll deductions and are based on the age of the employee or spouse and the amount of coverage selected. Coverage is available to employee, spouse, and child dependents. Employees pay 100% of cost.
• Employee Voluntary Term Life Insurance:– Minimum Coverage: $10,000– Maximum Coverage: $300,000– Guaranteed Issue Amount: $100,000 (EOI required if increasing or electing)
• Spouse Voluntary Term Life Insurance: – Minimum Coverage: $5,000– Maximum Coverage: 100% of employee’s benefit up to $50,000 maximum.– Guaranteed Issue Amount: $25,000 (EOI required if increasing or electing)
• Child(ren) Voluntary Term Life Insurance:– Minimum Coverage: $2,000– Maximum Coverage: $10,000– Guaranteed Issue Amount: $10,000 (EOI required if increasing or electing)
• Evidence of Insurability (EOI) is required for amounts over the guaranteed issue amount
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Benefit Election (Waiver) ProcessBenefit Election (Waiver) Process• You will receive a Kelly Associates Insurance Group (KAIG) customized
enrollment/election/waiver form at the end of the Annual Enrollment benefits communication meetings.
• Due to several plan benefit changes and the ACA legislation, we are conducting a mandatory election or ‘waiver’ process this year. Simply put,
all full-time and benefit eligible employees will need to complete the KAIG enrollment/election form with either a health insurance benefit election or a ‘waiver’ of health insurance election. If waiving coverage, it is required to complete Section #5 – Other Insurance Information as requested on the KAIG enrollment/election form. • Please complete the customized KAIG Enrollment form and submit them to Katelin
Sneckenberger by Monday, November 23rd.
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Important ContactsImportant ContactsKatelin Sneckenberger Human Resources
Chesapeake Medical Staffing 410-321-4267, Extension 119
Ryan Moxley Senior Client Relationship Manager
Brooks Financial Group, Inc. 410-308-9800, Extension 1237
Resource web sites:CareFirst Blue Cross: www.carefirst.comKelly Administration: www.ktbsonline.comHSA Bank: www.hsabank.com
Proprietary & ConfidentialProprietary & Confidential
The enclosed information is proprietary & confidential to Brooks Financial Group (BFG)© and Chesapeake Medical Staffing (CMS)©.
Any subsequent transmission, modification, reproduction, or use is strictly prohibited without the expressed, written consent of the originator,
Brooks Financial Group (BFG)© and Chesapeake Medical Staffing (CMS)©
