2015
Employee Benefit Meeting
This PowerPoint presentation is for illustrative purposes only. In the event there appears to be a contradiction between the benefits
described and those provided by respected carriers Summary Plan Descriptions, the Summary Plan Description shall prevail.
AGENDA
�Medical Plan Options
�HSA- Health Savings Account
�Payroll Deductions
�Dental
�What You Need To Do - Online Open Enrollment
Plan Changes
All Plans will continue to utilize the Blue Cross
network through Independence Administrators
� No Changes to Current plans
� Changes to Medical Plan Contributions – you choose how
you want to fund your medical plan option
� Aflac offerings continue to be available for January 1, 2015
In-Network
� $15 Office Visit Co-pay� $15 Specialist Co-pay� Emergency Room $75 co-pay� Unlimited Lifetime Maximum � Prescription Drugs: $10/$25/$40
There are out of network benefits, coinsurance applies after deductibleThe deductible for out of network benefits is $300 for an individual and $600 for
families. You must meet that deductible, out of network, before benefits will start to pay on out of network claims
PTL WHITE
Member Needs Medical Services
Non-Participating ProvidersParticipating Providers
Out-of-Network
� $300 / $600 Deductible� $70% coinsurance for office visits after
deductible� Emergency Room $75 co-pay� Unlimited Lifetime Maximum � Prescription Drugs: not covered
Member Needs Medical Services
Non-Participating ProvidersParticipating Providers
� Deductible - $750 Ind/ $2,250 Family � $35 Office Visit Co-pay � $45 Specialist Co-pay� $300 Emergency Room Co-pay (waived if
admitted)� Inpatient Hospital Services, covered 100%,
after deductible� Outpatient Hospital Services, covered 100%
after deductible� Unlimited Lifetime Maximum � Prescription Drugs: $10/$25/$40
� $1,000 Ind/ $3,000 Family Deductible� Office visit: 70% coinsurance, after deductible� Specialist: 70% coinsurance, after deductible� $300 Emergency Room Co-pay� Inpatient hospital Services, 70% after
deductible� Outpatient Surgery, 70% after deductible� Unlimited Lifetime Maximum� Prescription Drugs: not covered
PTL BLUE
There are out of network benefits, coinsurance applies after deductibleCalendar Year Deductible — A Covered Person must satisfy the individual deductible amount only once during a calendar year. However, after the Covered Persons in a family unit have satisfied the family deductible amount
during a calendar year, benefits will be payable for covered medical charges incurred for all Covered Persons in a Family Unit for the remainder of that calendar year.
Member Needs Medical Services
Non-Participating ProvidersParticipating Providers
� $1,500 Ind/ $3,000 Family Deductible� Office visits,$15 copay after deductible � Emergency Room, $75 copay after deductible� Inpatient Hospital Services, 100% after deductible� Outpatient Hospital Services, 100% after deductible� RX copays, $10/$25/$40, after deductible� Unlimited Lifetime Maximum
� $3,000 Ind/ $6,000 Family Deductible� Office visits, 70%, after deductible� Emergency Room, $75 copay after deductible� Inpatient hospital Services, 70% after deductible� Outpatient Surgery, 70% after deductible� Unlimited Lifetime Maximum
All services except Preventive services are subject to the Calendar Year Deductible:Individual : If you are enrolled in an individual Health Savings Account, you must meet the individual Calendar Year Deductible before any benefits are payable. Family Aggregate: If you are enrolled in a Family Health Savings Account, you and/or any members of your family must meet the Family Calendar Year deductible before any benefits are payable.
PTL HSA
Member Needs Medical Services
Non-Participating ProvidersParticipating Providers
� $3,000 Ind/ $6,000 Family Deductible� Office visits,$15 copay after deductible � Emergency Room, $75 copay after deductible� Inpatient Hospital Services, 100% after deductible� Outpatient Hospital Services, 100% after deductible� RX copays, $10/$25/$40, after deductible� Unlimited Lifetime Maximum
� $6,000 Ind/ $12,000 Family Deductible� Office visits, 70%, after deductible� Emergency Room, $75 copay after deductible� Inpatient hospital Services, 70% after deductible� Outpatient Surgery, 70% after deductible� Unlimited Lifetime Maximum
All services except Preventive services are subject to the Calendar Year Deductible:Individual : If you are enrolled in an individual Health Savings Account, you must meet the individual Calendar Year Deductiblebefore any benefits are payable. Family Aggregate: If you are enrolled in a Family Health Savings Account, you and/or any members of your family must meet the Family Calendar Year deductible before any benefits are payable.
PTL HSA 3000
HSA Plan � Stay healthy with 100% in-network
preventive care coverage
� You have the option to make contributions to your account.
� You can use your account dollars to pay for medical care and prescription drugs
� Medical and RX apply to deductible - you can use dollars available in your HSA.
� Entire family deductible must be met before any benefits begin.
� 100% coverage then kicks in after you
have satisfied your deductible. You will only have copays.
HSA
Funded by employee
Preventive Care
100% In-Network
Deductible
HSA Plan – Key Features� Funds deposited into an HSA are tax-
advantaged and owned by the account
holder.
� Funds may be rolled over year to year;
no “use-it or lose-it” rule.
� Accounts can accumulate significant
assets that can be used for healthcare
tax-free.
� Funds are portable and available
through job changes.
� Funds in the HSA can be invested.
HSA
Funded by employee
Preventive Care
100% In-Network
Deductible
Am I Eligible for a Health Savings Account?
� The IRS and the U.S. Department of the Treasury have specific rules on who can open an HSA.
� You can open an HSA if you:
◦ Are enrolled in an HSA-qualified High Deductible Health Plan (HDHP)
◦ Cannot be covered by any other insurance that reimburses for health expenses
◦ Are not enrolled in Medicare or Medicaid
◦ Are not claimed as a dependent on another individual’s tax return and must be over 18 years of age
How Do I Make Contributions to My HSA?� There are several ways you can contribute to your account:
◦ Payroll deductions:
◦ After-tax contributions:
� Anyone may contribute to your HSA, provided the total
contributions to your HSA do not exceed your maximum
allowable annual limit
� You can make catch-up contributions if you are 55 years
of age or older ($1,000)
How Much Can I Contribute to a Health
Savings Account (HSA)?
� Each plan year, you may contribute money to your HSA up to a
maximum amount set by the U.S. Treasury and the IRS
� All combined contributions to your account cannot exceed the annual
contribution maximum
� For 2015, the annual contribution maximum set by the U.S. Treasury and
the IRS is $3,350 for individual coverage and $6,650 for family coverage
� The contribution maximums set by the U.S. Treasury and the IRS may be
increased for inflation annually
Payroll Deductions
PTL
White
PTL
Blue
PTL
HSA
PTL HSA
3000Payroll
DeductionsWeekly Weekly Weekly Weekly
Employee $ 75.00 $ 41.00 $21.00 $9.00
Employee + 1 $ 133.00 $ 72.00 $ 39.00 $15.00
Family $ 169.00 $ 103.00 $ 49.00 $19.00
Monthly Monthly Monthly Monthly
Employee $325.00 $177.67 $91.00 $39.00
Employee + 1 $576.33 $312.00 $169.00 $65.00
Family $732.33 $446.33 $212.33 $82.33
*Employees who participated in the wellness initiative (completed a health screening and
online health assessment) will have no increase to their medical contributions for the plan
year beginning January 1, 2015
No changes to the current dental plan utilizing the United Concordia
network of participating dentists
• Plan Year Deductible - $50 Single, $150 Family*
• Plan Year Maximum per person - $1,000
• Possible Balance billing at non-participating dentists
• Diagnostic/Preventive – 100%
• Basic – 80%
•Orthodontia for dependent children to age 19 - 50%; $1,000 lifetime maximum
*Deductible applies to: Basic services only
Dental Benefits
Dental Payroll Deductions
Payroll Deduction Weekly
Employee Only $5.00
Employee + 1 $11.00
Family $21.00
EmployeeConnect – Employee Assistance Program
Beginning January 1, 2015, you can access online information by visiting:
www.Lincoln4Benefits.com and click on the Employee Connect link
User Name: LFGsupport
Password: LFGsupport1
Toll-free number: 1-888-628-4824
� EmployeeConnect Employee Assistance Plan offers confidential guidance and resources for you or an immediate household family member.
� Short Term Counseling Services:◦ Marital/Family Counseling, Depression, Addiction, Stress/Anger, Life Transitions
� Legal Service◦ Telephonic access, referrals and consultation by ComPsych staff Attorney
� Financial Service◦ Telephonic access to a ComPsych staff Financial Expert
� Work Life Services◦ Unlimited telephonic access to work-life services
� Online and Mobile Access◦ Broad range of information on the web
� ID Theft◦ Included online and through ComPysch legal staff.
What You Need To Do
� Determine how you utilize healthcare expenses◦ Compare annual payroll deductions to plan deductible and out of
pocket expenses
� Review your Penn Tank Lines Benefit Brochure� Visit www.enroll.crawfordadvisors.com to review or change
benefit elections or� Complete an enrollment form and fax or email to Crawford
Advisors at (410)229-8356 or [email protected]
� Open Enrollment Website open November 11th – November 25th.
� If you have additional questions, please contact Crawford Advisors at 888-771-0505
