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2015 BenefitsPlus Enrollment Region 1 Manager Webinar Enrollment Dates: July 29 - August 14, 2015
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2015 BenefitsPlus EnrollmentRegion 1 Manager Webinar
Enrollment Dates: July 29 - August 14, 2015
Important Dates• Open Enrollment Dates Region 1:
• July 29 - August 14, 2015
• Time Trade site (Benefits Service Center Appointments only) opens Monday, July 20, 2015. 877-900-5687
• Face-to-face appointments should be scheduled using the sign-up sheet that is provided in the Manager Booklet.
• Effective Date of Coverage:• November 1, 2015
What is BenefitsPlus?• BenefitsPlus is the opportunity for every benefit-eligible employee to
meet one on one with a Benefits Educator to gain a better understanding of all of the benefits offered by Fresenius Medical Care North America (FMCNA).
• Several new initiatives have been implemented for this upcoming plan year:• New e-Benefits enrollment on PeopleSoft for the upcoming company-wide
annual open enrollment
• “Benefits at a Glance” and the education around saving money on medical expenses through utilization of the Telemedicine offered to all employees enrolled in one of the FMCNA medical plans
• Continued education via the BestFit Tool around the FMCNA Consumer-Driven Health Plan (CDHP)/Health Reimbursement Account (HRA)
Who is Enrollment Advisors?• Enrollment Advisors (EA) is a benefits communication company
specializing in benefits education, enrollment and administration.
• Headquartered in Birmingham, Alabama.
• EA Benefits Educators are licensed, non-commissioned advisors who assist with raising awareness of the value of employer benefits programs by hosting individualized benefit education sessions.
• EA encourages healthcare engagement by helping employees understand their benefit options and assisting them with making informed/educated decisions.
Our Clients
Who is eligible?• All employees scheduled to work at least 30 hours per week are eligible
to participate in the 2015 BenefitsPlus Enrollment.• Enrollment in Medical, Dental, Vision etc. is not required for employees to enroll
in the voluntary benefits. The voluntary benefits are stand-alone, supplemental plans.
• Employees may also enroll their legal spouse or domestic partner.
• Employees may also enroll their dependent children and grandchildren.• A dependent child may be the natural child, stepchild, legally adopted child, child
placed for adoption, or other child for whom the employee has permanent legal custody.
• Coverage for dependent children ends at the end of the month in which they attain age 26 with the exception of the Trustmark Universal Life, which covers dependents up to age 23.
Hospital Indemnity – MetLife• Group Hospital Indemnity Insurance can complement your medical
coverage by helping ease the financial impact of a hospitalization. It provides a lump sum payment that can be used as the policy holder sees fit for hospital admission, accident-related inpatient rehabilitation and hospital stays.
Critical Illness Insurance – UNUM
Critical Illness insurance is designed to help employees offset the financial effects of a catastrophic illness with a lump sum benefit if an insured is diagnosed with a covered critical illness. The Critical Illness benefit is based on the amount of coverage in effect on the date of diagnosis of a critical illness or the date treatment is received.
Employee Coverage: $5,000-$50,000 Guaranteed Issue: $30,000
Spouse/Domestic Partner Coverage: $5,000-$30,000 Guaranteed Issue: $15,000
Child(ren) Coverage: Automatically receive 25% of employee amount
Base Plan Benefits Cancer CI BenefitsHeart Attack (100%) Benign Brain Tumor (100%) Invasive Cancer (100%)
Stroke (100%) Coma as the result of a severe traumatic brain injury (100%) Carcinoma in Situ (25%)
Coronary Artery Bypass (100%) Complete Blindness (100%)
Major Organ Failure (100%) Occupational HIV (100%)
End Stage Renal (Kidney) Failure (100%)
Permanent Paralysis as a result of an accident (100%)
• Issue ages: Spouse 17-64, Child newborn up to 26th Birthday• Pre-existing: N/A• Recurrence Benefit: 90 Days• Benefit Waiting Period: N/A• Wellness Benefit: $50 per insured per calendar year
Accident Insurance – UNUM
Accident Insurance provided by Unum can pay benefits based on the participant’s injury and the treatment received, including emergency-room care and related surgery. The benefit can help offset the out-of-pocket expenses that medical insurance does not pay, including deductibles and copays. • On and off the job coverage
• Sickness Hospital Confinement Benefit*- pays employee, spouse or child a daily benefit if hospitalized for a covered sickness. $100/day, to a maximum of 30 days, for employees and spouse; $75/day for children.
• Family coverage options are available**: • Employee & spouse
• Employee & dependent children (up to age 26)
• Employee, spouse & dependent children
Injuries include: Expenses include:- broken bones - emergency room treatment- burns - outpatient surgery facility- torn ligaments - doctor office visit- cuts repaired by stitches - hospitalization- coma due to a covered injury - occupational therapy- eye injuries - speech therapy- ruptured discs - chiropractic visit- concussion - physical therapy
* 12/12 Pre-existing condition on the Sickness Hospital Confinement Benefit
** The employee must participate for coverage to be obtained on spouse and dependent.
Universal Life Insurance – TrustmarkUniversal Life – offers flexible, comprehensive benefits and enables employees to adjust their death benefits, cash value and premiums as their financial needs change.
Universal LifeEvents® – matches the needs of insured throughout their lifetime. Pays a higher death benefit during working years. At age 70, the death benefit reduces. Living benefits do not reduce.
Communication• Corporate HR Team
• Regional Managers to Location Managers and Location Contacts
• Location Managers and Location Contacts to Benefits-Eligible Employees
• Manager Booklet
• Announcement Posters
• Postcards
• Postcards are mailed to the home of all benefit- eligible employees.
• Benefits Guide
• Benefits Guides are mailed to the home of all benefits-eligible employees.
Manager’s Instruction Booklet – Keys to a Successful Enrollment
Communication – Announcement Posters
• Place posters in a common
area visible to all employees,
such as break rooms or by the
time clock, etc.
• Posters will drive excitement
around the enrollment.
Communication – Postcards
• The postcard will provide
an introduction to the
2015 Benefits Enrollment
Process.
• All benefits-eligible
employees will receive
a postcard by mail.
Communication – Benefits Guide
• Benefits Guides will be
mailed to the homes of all
benefit-eligible employees.
• The Benefits Guide will
provide an overview of all
benefits offered during
this enrollment.
• The Benefits Guide will also
provide an overview of the
enrollment process.
What is your responsibility?• As the primary point of contact for your location, you should
communicate to all benefit-eligible employees the following:
• The importance of attending the enrollment meeting with a Benefits Educator, whether that be face-to-face or via the EA Benefits Service Center
• Verify they have received and read the Benefits Guide
• Remind employees to bring their dependent and beneficiary information (date of birth and SSN) to their enrollment meeting
What is your responsibility prior to on-site enrollment?
• Answer basic questions about the enrollment process
• Schedule your employees prior to the date for your on-site meeting day using the sign-up sheet provided in the Manager Booklet. If you need a new sign-up sheet, please contact Jonathan Morgan with Enrollment Advisors: [email protected].
• Inform the employees of their designated meeting times and locations within the facility/clinic
Sign-Up Sheet
Scheduling Tool – Time Trade – Benefits Service Center Only
www.benefitsplusfmcna.com
Employee Scheduling – Step 1
• Select a date and time that are most convenient for you from the drop down box.
• Note: The time zone will default to the time zone you are currently located in as detected by your browser.
Employee Scheduling – Step 2Provide your basic information. The special instructions box can be used to provide us with any information you
would like us to be aware of prior to your appointment.
• For example: Employee gives permission for my spouse to enroll in my benefits for me or Spanish-speaking educator needed.
• Note: If you do not have an email address, please use the following format to create a non-functional email address for reporting purposes only. [email protected]
Employee Scheduling – Step 3You will be brought to the confirmation screen where you can import the appointment
into your Lotus, Outlook, or Google Calendar.
You will receive a confirmation email and email reminder as well.
Thank you for your time and attendance!
If you have any questions, please email or call
Jonathan Morgan, Senior Consultant, Engagement
Direct: 205.380.9505
Cell: 205.249.1440
Fresenius Manager Hotline: 877-901-5424
Contact info is for HR use only – please do not distribute.
