Employee Health & Wellness Centers:
Everside.
GotZoom: Learn more about student loan relief for employees and family members.
Coming Soon: Sage Financial
Employee Health & Wellness Centers ................................................................................. 4
CareCounsel .......................................................................................................................... 5
Kaiser .................................................................................................................................... 8
My SmartCare ....................................................................................................................... 28
Getting Care When You Need It
Learn How to Maximize Your Healthcare!
Whether you’re enrolling in benefits for the first time, nearing retirement, or somewhere in between, the County of Santa Barbara supports you with benefit programs and resources to help you thrive today and prepare for tomorrow. Watch our video to learn how to best use your healthcare coverage to help you improve your health and reduce your expenses.
Finding the right care at
the right cost
Alternatives to hospital
benefit tools to find higher quality care at a
lower cost
well-being
Alternatives to hospital care
Understanding preventative care benefits
Saving money on prescription drugs
How to utilize your free benefit tools to find higher quality care at a lower cost
Other programs to help support your health and well-being
Services Offered Beginning 2021, care for ages 5+ Only applicable if on a county sponsered plan
+ Virtual care options
and more! Contact your health center for a complete list
What to Expect + To be warmly greeted and assisted as quickly
as possible + To be listened to and asked relevant
questions about your health condition + To be examined as your health condition or
concern would require + To have your health condition and treatment
options explained along with any need for follow-up
+ To be referred elsewhere if your condition requires a different level of care
Locations Santa Barbara: 805-681-4700 427 Camino Del Remedio, Bldg. G Santa Barbara, CA 93110
Santa Maria: 805-934-6107 500 W. Foster Rd. Santa Maria, CA 93455
Employee Onsite Health Clinic County of Santa Barbara
SCHEDULE AN APPOINTMENT TODAY! OPEN MONDAY - FRIDAY: 7:30 AM - 4:00 PM
CareCounsel Healthcare Advocacy
providers in your network • Coordinating multiple party interactions • Troubleshooting claims, eligibility and
billing discrepancies • Grievance and Appeals Support • Coordinate access to clinical information
via Stanford Health Care • Making Sense of Medicare
CareCounsel Contact Information:
(888) 227-3334
Who is CareCounsel?
Navigating through the complex healthcare system can be difficult. When issues arise and especially when dealing with your healthcare dollars, you need an expert by your side every step of the way. CareCounsel is your dedicated advocate with any healthcare benefit issue. Our services are confidential and dedicated to your best interest in reducing hassle and headaches with your healthcare experience.
Q&A’s Q: What kind of questions can CareCounsel answer?
A: We are highly trained in all aspects of health care. We can assist with comparing plans; finding care; troubleshooting claims, eligibility and billing disputes as well as preparing for the transition to Medicare. Q: What should I consider with a new plan year? A: A new benefit year can mean changes to your current health plan. Review the benefit plan design even if you are staying in the same health plan as there could be changes to how a specific service would be covered. Q: Is there an advantage of using an in-network provider? A: Yes, depending on your plan, you might not have coverage if you seek services from a non- participating provider. Due to negotiated rates under a coinsurance plan your share-of-costs will be lower when you utilize network providers. Q: Does my FSA roll over each year? A: No, to participate each year you must re-enroll. Q: What happens to unused funds in my HSA at the end of the year? A: Funds will remain in your account and grow for future medical expenses. Q: Am I automatically enrolled in Medicare when I turn 65? A: Only if you are already collecting Social Security Income Benefits or if you have been disabled for 2 years, have ESRD and awarded disability benefits from the Social Security Administration. Q: If I have earned Medicare eligibility but my spouse has not, is there a way for my spouse to get Medicare through my work earnings? A: Yes, providing certain conditions of Social Security are met.
Tips:
• Avoid surprises – ask first if unsure
• Review your Rx formulary to ensure which tier your medication falls under
• If dental work will be extensive, be sure to ask your dentist to work with your plan to obtain a pre-determination
• There are cost advantages of using in-network providers
• Steps to consider if you are planning to change your plan selection: o Verify whether your current provider is under the new plan’s network o Share your new health plan ID card with your provider o Confirm the approval process for referrals and authorizations o Current referrals many need to be reestablished o Don’t forget to evaluate your Rx needs. Make sure you have enough Rx to
sustain through the transition. o Transition to your new mail order provider
Find your healthy place Choose a health plan that makes it easy to thrive — and spend more time doing what you love.
Questions? We’re here to help.
Discover what's new for 2022. Scan or call us at 1-800-514-0985, Monday through Friday, 7 a.m. to 6 p.m. PST, to learn about Kaiser Permanente.
my.kp.org/prism 685580003 May 2021
Get care from the comfort of home
We know the coronavirus is a major concern for everyone, but rest assured you can continue to get the high-quality care you depend on for all your health needs. For primary care, specialty care, and mental health services, connect with your care team from the safety and comfort of your home.
E-visit Fill out a short questionnaire about your symptoms online and get personalized self-care advice from a Kaiser Permanente clinician.
Phone appointment Schedule an appointment to talk with a Kaiser Permanente clinician over the phone — just like an in-person visit.1,2
Email Message your doctor’s offce with nonurgent questions anytime through your kp.org account.1
Video visit Meet face-to-face with a doctor by video for the same high-quality care as an in-person visit.1,2
Mail-order pharmacy Get prescriptions sent straight to your door with our mail-order delivery service.3
Ready to make an appointment?
Go online: Sign in to kp.org or use the Kaiser Permanente app. If you’re a member in Colorado or Washington, you can also chat online with a doctor through your kp.org account.
Call us 24/7: Find your location information below.
California • Northern California: 650-358-7015 (TTY 711)
• Southern California: 1-833-574-2273 (TTY 711)
Colorado
Georgia 404-365-0966 (TTY 711)
• Maui: 808-243-6000 (TTY 711)
• Kauai: 808-246-5600 (TTY 711)
Oregon/SW Washington • Portland: 503-813-2000 (TTY 711)
• All other areas: 1-800-813-2000 (TTY 711)
Washington 1-800-297-6877 (TTY 711)
1. Where appropriate and available. 2. If you travel out of state, phone appointments and video visits may not be available due to state laws that may prevent doctors from providing care across state lines. Laws differ by state. 3. Some prescriptions are not available through the mail-order pharmacy. For certain drugs, you can get prescription reflls mailed to you through our Kaiser Permanente mail-order pharmacy. You should receive them within 10 business days.
Kaiser Permanente health plans around the country: Kaiser Foundation Health Plan, Inc., in Northern and Southern California and Hawaii • Kaiser Foundation Health Plan of Colorado • Kaiser Foundation Health Plan of Georgia, Inc., Nine Piedmont Center, 3495 Piedmont Road NE, Atlanta, GA 30305, 404-364-7000 • Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc., in Maryland, Virginia, and Washington, D.C., 2101 E. Jefferson St., Rockville, MD 20852 • Kaiser Foundation Health Plan of the Northwest, 500 NE Multnomah St., Suite 100, Portland, OR 97232 • Kaiser Foundation Health Plan of Washington or Kaiser Foundation Health Plan of Washington Options, Inc., 601 Union St., Suite 3100, Seattle, WA 98101
Learn more at kp.org/getcare
~ DELTA DENT.AL"
Support for Chronic Conditions Your plan offers additional dental coverage to support your overall health
Take advantage of expanded coverage if you have been diagnosed with diabetes, heart disease, HIV/AIDS, rheumatoid arthritis or stroke. Did you know the health of your teeth and gums is tied to your overall wellness? Gum disease is associated with a number of systemic conditions, and people with certain chronic conditions may benefit from additional periodontal (gum) cleanings.
Here are some benefits of this expanded coverage:
SmileWay® Wellness Benefits1
100% coverage one periodontal scaling and root planing procedure per quadrant (D4341 or D4342) per calendar or contract year2
Four of the following (any combination) per calendar or contract year2:
100% coverage
periodontal maintenance procedure (D4910)
scaling in presence of moderate or severe gingival inflammation (D4346)
1 Known as SmileWay Enhanced Benefits in Texas. 2 SmileWay Wellness Benefits are subject to the annual maximum and to the terms and conditions outlined in the Evidence of
Coverage. Please review your plan booklet for specific details about your coverage.
SIGN UP ONLINE 1. Go to deltadentalins.com.
2. Log in to your online account. (If you don’t have one, click Register.)
3. Click on Get to know your plan.
4. Click on the Benefits details button.
5. Click on Optional Benefits in the left column.
6. Click on Opt In next to the name of the person you want to enroll. You can enroll yourself or a dependent child. Delta Dental values your privacy; all of your information is kept confidential.
7. Complete and submit the form.
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Benefits overview
Q Get to know Plan ahead Cl.:1lms&vlslts
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Summary OPTIONAL BENEFITS
Benefit Search
SIGN UP BY PHONE Speak to a Customer Service representative Monday through Friday.
Delta Dental PPO™ is underwritten by Delta Dental Insurance Company in AL, DC, FL, GA, LA, MS, MT, NV and UT and by not-for-profit dental service companies in these states: CA — Delta Dental of California; PA, MD – Delta Dental of Pennsylvania; NY — Delta Dental of New York, Inc.; DE — Delta Dental of Delaware, Inc.; WV — Delta Dental of West Virginia, Inc. In Texas, Delta Dental Insurance Company provides a dental provider organization (DPO) plan.
Copyright © 2020 Delta Dental. All rights reserved. EF89C #130150A (rev. 11/20)
Toothpic is a photo-based teledentistry app for PPO™ and Premier ® plan members that offers virtual dental assessments from a Delta Dental dentist
Answer a few questions about your oral health and take photos of your mouth from your smartphone.
Receive a personalized dental report in under 24 hours, including:
Connect with a dentist from home with Toothpic! Brought to you by Delta Dental 1
How to register
A review of your photos with issues
marked for concern
directory for continued care
Scan this QR code with your smartphone or visit deltadental.toothpic.com
Click on Register Now to create an account and download Toothpic
Open Toothpic and log in to your account to get started!
1. Delta Dental of California, Delta Dental of New York, Inc., Delta Dental of Pennsylvania, Delta Dental Insurance Company and affiliated companies. Delta Dental is a registered trademark of Delta Dental Plans Association.
2. Deductibles, annual maximums, co-insurance and frequency limitations apply. A Toothpic virtual dental assessment will count as one of your diagnostic exams. Most plans cover two diagnostic exams per year. Some Delta Dental plan types do not allow members to use their benefits to pay for a Toothpic virtual dental assessment. If your plan is not eligible, you may still receive a Toothpic virtual dental assessment by paying $35.
Copyright © 2021 Delta Dental. All rights reserved.
EF36 #129917 (rev. 02/21)
SEE HEALTHY AND LIVE HAPPY WITH HELP FROM COUNTY OF SANTA BARBARA AND VSP.
Enroll in VSP® Vision Care to get personalized care from a VSP network doctor at low out-of-pocket costs.
VALUE AND SAVINGS YOU LOVE. Save on eyewear and eye care when you see a VSP network doctor. Plus, take advantage of Exclusive Member Extras for additional savings.
PROVIDER CHOICES YOU WANT. It’s easy to find a nearby in-network doctor. Maximize your coverage with bonus offers and savings that are exclusive to Premier Program locations—including thousands of private practice doctors and over 700 Visionworks retail locations nationwide.
QUALITY VISION CARE YOU NEED. You’ll get great care from a VSP network doctor, including a WellVision Exam®—a comprehensive exam designed to detect eye and health conditions.
+ GET YOUR PERFECT PAIR
FEATURED FRAME BRANDS*
UP TO 40%
USING YOUR BENEFIT IS EASY!
Create an account on vsp.com to view your in-network coverage, find the VSP network doctor who’s right for you, and discover savings with exclusive member extras. At your appointment, just tell them you have VSP.
A LOOK AT YOUR VSP VISION COVERAGE
Enroll today. Contact us: 800.877.7195 or vsp.com
YOUR VSP VISION BENEFITS SUMMARY COUNTY OF SANTA BARBARA and VSP provide you with an affordable vision plan.
FREQUENCYCOPAYDESCRIPTIONBENEFIT YOUR COVERAGE WITH A VSP PROVIDER
Every 12 months$10 for exam and glassesWELLVISION EXAM Focuses on your eyes and overall wellness
PRESCRIPTION GLASSES
Every 24 monthsCombined with examFRAME
$170 featured frame brands allowance $150 frame allowance 20% savings on the amount over your allowance $80 Costco® frame allowance
Every 24 monthsCombined with examLENSES Single vision, lined bifocal, and lined trifocal lenses
Impact-resistant lenses for dependent children
Every 24 months
Average savings of 30% on other lens enhancements
Every 24 monthsUp to $60CONTACTS (INSTEAD OF GLASSES)
$150 allowance for contacts; copay does not apply Contact lens exam (fitting and evaluation)
As needed
DIABETIC EYECARE PLUS PROGRAMSM
Retinal screening for members with diabetes $20 per examAdditional exams and services for members with diabetic eye
disease, glaucoma, or age-related macular degeneration. Limitations and coordination with your medical coverage may apply. Ask your VSP doctor for details.
Glasses and Sunglasses
EXTRA SAVINGS
Extra $20 to spend on featured frame brands. Go to vsp.com/offers for details. 20% savings on additional glasses and sunglasses, including lens enhancements, from any VSP provider within 12 months of your last WellVision Exam.
Routine Retinal Screening No more than a $39 copay on routine retinal screening as an enhancement to a WellVision Exam
Laser Vision Correction Average 15% off the regular price or 5% off the promotional price; discounts only available from contracted facilities
YOUR COVERAGE WITH OUT-OF-NETWORK PROVIDERS Get the most out of your benefits and greater savings with a VSP network doctor. Call Member Services for out-of-network plan details.
Exam .............................................................. up to $51 Frame ........................................................... up to $70 Single Vision Lenses ................................ up to $41
Lined Bifocal Lenses .............................. up to $63 Lined Trifocal Lenses ............................. up to $82
Progressive Lenses .................................. up to $75 Contacts .................................................... up to $105
Coverage with a retail chain may be different or not apply. Log in to vsp.com to check your benefits for eligibility and to confirm in-network locations based on your plan type. VSP guarantees coverage from VSP network providers only. Coverage information is subject to change. In the event of a conflict between this information and your organization’s contract with VSP, the terms of the contract will prevail. Based on applicable laws, benefits may vary by location. In the state of Washington, VSP Vision Care, Inc., is the legal name of the corporation through which VSP does business.
Log in to vsp.com to find an in-network provider based on your plan type.
*Only available to VSP members with applicable plan benefits. Frame brands and promotions are subject to change. Savings based on doctor’s retail price and vary by plan and purchase selection; average savings determined after benefits are applied. Ask your VSP network doctor for more details.
Classification: Restricted
©2021 Vision Service Plan. All rights reserved. VSP, VSP Vision Care for life, Eyeconic, and WellVision Exam are registered trademarks, VSP Diabetic Eyecare Plus Program is servicemark of Vision Service Plan. Flexon is a registered trademark of Marchon Eyewear, Inc. All other brands or marks are the property of their respective owners.
PROVIDER NETWORK:
VSP Choice
EFFECTIVE DATE:
01/01/2022
1. The VSP Laser VisionCare Program is a discount plan only. Discounts only apply to services received from a VSP participating laser center. No monetary benefits are payable to members under this program. 2. The laser vision correction screening and consultation with your VSP provider are complimentary, if you have a pre-operative exam and don’t proceed to the procedure, your VSP provider may charge an exam fee of $100.
©2020 Vision Service Plan. All rights reserved. VSP and VSP Vision care for life are registered trademarks, and VSP Laser VisionCare Program is a service mark of Vision Service Plan. 85259 VCEE
Learn more at vsp.com | 800.877.7195
LASER VISIONCARE PROGRAM
With the VSP® Laser VisionCareSM Program, you’ll enjoy a safe and successful path to better vision. In addition to fully covered visits to your VSP network doctor before and after your procedure, you’ll get special pricing on services from a VSP-contracted laser vision center.
Enjoy Discounted Pricing1
VSP offers special pricing with participating centers, which means up to hundreds of dollars in savings for you.
Using Your Benefit is Easy
• Visit vsp.com to learn what to expect during your procedure. If you don’t have a provider yet, you can also find a VSP Laser VisionCare network doctor and confirm your eligibility.
• Make an appointment with a participating VSP network laser vision doctor to schedule a complimentary screening. If you’re a candidate for laser surgery, your doctor will provide pre-operative care, coordinate your procedure with a VSP-contracted laser vision center, and co-manage your treatment plan.2
• After your procedure, be sure to return to your VSP network laser vision doctor for post-operative care and ongoing management of the health of your eyes and vision. You may be able to use your VSP frame benefit for non-prescription sunglasses to protect your eyes from the sun. Ask your doctor for details.
Get an average 15% off the regular price or 5% off the promotional price; discounts only available from contracted
pay more than $1,500 per eye for PRK, $1,800 per eye for LASIK, and $2,300 per eye for Custom LASIK, Custom PRK, or Bladeless LASIK.
VSP Laser VisionCare Program
SAVE UP TO 60% ON BRAND-NAME HEARING AIDS Like vision loss, hearing loss can have a huge impact on your quality of life. However, the cost of a pair of quality hearing aids usually costs more than $5,0001, and few people have hearing aid insurance coverage.
TruHearing® makes hearing aids affordable by providing exclusive savings to all VSP® Vision Care members. You can save up to 60% on a pair of hearing aids with TruHearing. What’s more, your dependents and even extended family members are eligible, too.
In addition to great pricing, TruHearing provides you with:
• Three provider visits for fitting and adjustments
• 45-day trial
• Three-year manufacturer warranty for repairs and one-time loss and damage replacement
• 48 free batteries per hearing aid for non-rechargeable models
Plus, with TruHearing you’ll get:
• Access to a national network of more than 6,000 hearing healthcare providers
• Discounted pricing on a wide selection of the latest brand name hearing aids
• High quality, low cost batteries delivered to your door
1. Based on a 2018 third-party survey of nationwide provider and manufacturer retail pricing. VSP is providing information to its members but does not offer or provide any discount hearing program. The relationship between VSP and TruHearing is that of independent contractors. VSP makes no endorsement, representations, or warranties regarding any products or services offered by TruHearing, a third-party vendor. The vendor is solely responsible for the products or services offered by them. If you have any questions regarding the services offered here, you should contact the vendor directly.
TruHearing offers individuals the opportunity to purchase hearing aids at discounted prices, including individuals covered by self-funded health plans not subject to state insurance or health plan regulations. TruHearing is not insurance and not subject to state insurance regulations. TruHearing provides discounts to certain healthcare groups for hearing aid sales and services; TruHearing provides fitting, programming, and three adjustment visits at no cost; the member is obligated to pay for testing, and all post-fitting hearing care services, but will receive a discount from those healthcare providers who have contracted with TruHearing. Not available directly from VSP in the states of Washington and California.
©2021 Vision Service Plan. All rights reserved. VSP is a registered trademark of Vision Service Plan. All other brands or marks are the property of their respective owners. 94401 VCCM
Learn more about this VSP Exclusive Member Extra at truhearing.com/vsp or call 877.396.7194 with questions.
HERE’S HOW IT WORKS:
Contact TruHearing. Call 877.396.7194. You and your family members must mention VSP.
Schedule exam. TruHearing will answer your questions and schedule a hearing exam with a local provider.
Attend appointment. The provider will perform a hearing exam, make a recommendation, order the hearing aids through TruHearing, and fit them for you.
truhearing.com/vsp
Best of all, if you already have a hearing aid allowance from your health plan or employer, you can combine it with TruHearing prices to reduce your out-of-pocket expense even more!
Classification: Public
Q U E S T I O N S ? C O N T A C T C U S T O M E R S U P P O R T A T
pharmacy@gogomeds.com or 888.697.9646
County of Santa Barbara Employees & Dependents on the Medical Plan:
New to Rx ‘n Go?
As part of your benefits, you have the option to receive up to a 90-day supply of generic maintenance medication by mail at no cost to you ($0 copay, $0 shipping) through a convenient program called, Rx ‘n Go.
• ~1,300 generic medications covered on the PPO/EPO Plan – for FREE • ~800 preventive, generic medications covered on the HDHP/HSA Plan - for FREE • Insulin products, needles, and syringes are all available - for FREE • Prodigy® diabetic monitor and test strips available – for FREE • County of Santa Barbara pays 100% of the cost
After registering your profile and prescription, your medication(s) will arrive in
the mail in 7 business days. It’s that easy! ((1) f you would like Rx 'n Go to transfer an existing prescription with refills, please include that detail in the checkout cart on
the self-service portal. Otherwise, the pharmacy, GoGoMeds, can reach out to your doctor to request a new prescription.
Check that your medication is covered at rxngo.com by your employer & health plan - search by therapeutic category or by medication name
Register an Online Profile at rxngo.com using group to sign up and manage prescriptions(1) or provide details to customer service at 888.697.9646
Have your doctor submit the prescription to the Rx ‘n Go pharmacy, GoGoMeds: • E-Scribe: GoGoMeds • Phone: 888.697.9646 (must
come from a physician’s office) • Fax: 888.697.0646 (must come
from a physician’s office) • Mail: Rx ‘n Go c/o GoGoMeds
525 Alexandria Pike, Ste 100 Southgate, KY 41071
Examples of Top Medications Available to You!
See full list of available maintenance medications at www.rxngo.com
Product Name & Strength ALENDRONATE ALLOPURINOL AMLODIPINE ATENOLOL ATORVASTATIN BUPROPION CARVEDILOL CELECOXIB CITALOPRAM CLOPIDOGREL CYCLOBENZAPRINE DULOXETINE ESCITALOPRAM EPINEPHRINE AUTO-INJECTOR FENOFIBRATE FLUOXETINE FLUTICASONE FLUTICASONE-SALMETEROL / WIXELA NEW! FOLIC ACID FUROSEMIDE GABAPENTIN GLIMEPIRIDE HYDROCHLOROTHIAZIDE HYDROXYCHLOROQUINE SULFATE IBUPROFEN LANSOPRAZOLE LEVOCETIRIZINE DIHYDROCHLOIDE LEVOTHYROXINE SODIUM LISINOPRIL LISINOPRIL/HYDROCHLOROTHIAZIDE LOSARTAN LOSARTAN POTASSIUM/HYDROCHLOROTHIAZID MELOXICAM METFORMIN METOPROLOL SUCCINATE METOPROLOL TARTRATE MONTELUKAST SODIUM NAPROXEN OMEPRAZOLE PANTOPRAZOLE POTASSIUM CHLORIDE ER TBCR PRAVASTATIN SODIUM PREGABALIN NEW! PRODIGY BLOOD GLUCOSE TEST STRIPS PRODIGY BLOOD GLUCOSE METER KIT RANITIDINE HCL ROSUVASTATIN CALCIUM SERTRALINE SIMVASTATIN SUMATRIPTAN SUCCINATE TAMSULOSIN TRAMADOL TRAZODONE TRIAMTERENE/HYDROCHLOROTHIAZIDE VALACYCLOVIR VENLAFAXINE VENTOLIN INHALER VITAMIN D CAPS 50,000 ZOLPIDEM TARTRATE
Brand Name Fosamax Zyloprim Lotrel Tenormin Lipitor Wellbutrin Coreg Celebrex Celexa Plavix Flexeril Cymbalta Lexapro EpiPen Tricor Prozac Flonase Advair Diskus n/a Lasix Neurontin Amaryl Hydrodiuril, Microzide Plaquenil Motrin Prevacid Xyzal Synthroid Zestril, Prinivil Zestoretic, Prinzide Cozaar Hyzaar Mobic Glucophage Toprol XL Lopressor Singulair EC-Naprosyn PriLosec Protonix Klor-Con Pravachol Lyrica Prodigy Prodigy Zantac Crestor Zoloft Zocor Imitrex Flomax Ultram Desyrel Maxzide Valtrex Effexor XR Ventolin Drisdol Ambien
Preventative?
Therapeutic Class Women's Health Gout Blood Pressure Blood Pressure Cholesterol Antidepressant Cardiac Arthritis Antidepressant Cardiac Back Pain Antidepressant Antidepressant Allergy Cholesterol Antidepressant Allergy Allergy Vitamin Blood Pressure Anti-seizure Diabetes Blood Pressure Anti-malarial Pain Management Gastrointestinal Allergy Thyroid Blood Pressure Blood Pressure Blood Pressure Blood Pressure Pain Management Diabetes Blood Pressure Blood Pressure Asthma Pain Management Gastrointestinal Gastrointestinal Nutritional Cholesterol Anti-seizure Diabetes Diabetes Gastrointestinal Cholesterol Antidepressant Cholesterol Migraine Prostate Pain Management Antidepressant Blood Pressure Herpes Antidepressant Asthma Vitamin Sedative/Hypnotic
Copay $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
take control of your prescription PLAN | 1
TAKE THE OPPORTUNITY TO TAKE CONTROL OF YOUR PRESCRIPTION PLAN
Check your order status
Enroll in home delivery
Refill and renew prescriptions
Find your nearest preferred pharmacy
Set reminders to take your medication
TAKE A SHORTER TRIP TO GET YOUR MEDS
Transfer retail prescriptions to home delivery by clicking “Add to Cart” for eligible prescriptions and check out. You can also refill and renew prescriptions. We’ll contact your doctor and take care of the rest.
Check Order Status to track the shipping of your prescriptions. After we receive your prescription from your doctor, you will receive your medication within 7 days.1
1. Visit express-scripts.com and select Register OR download the Express Scripts mobile app for free from your phone’s app store and select Register
2. Enter the requested information, including your member ID or Social Security number, and create your user name and password
3. Click or tap Register Now
TAKE THINGS ONLINE
Contact your doctor and ask them to e-prescribe a 90-day prescription directly to Express Scripts
OR send a request by selecting “Forms” or “Forms & Cards” from the “Benefits” menu, print a mail order form and follow the mailing instructions
OR call us at the Member Services number on your card and we’ll contact your doctor for you
Create an account on express-scripts.com or the Express Scripts® mobile app.
Manage your prescription plan anytime and anywhere with an online account. It’s simple and easy to get started.
Enroll in home delivery to get your 90-day prescriptions shipped right to your door.
Requesting to get your medications delivered to your home from Express Scripts® Pharmacy is simple and convenient. First, log in to express-scripts.com (if you haven’t already registered, make sure to have your member ID or SSN).
Once your account is created, you can:
If you are enrolling a new prescription… If you are enrolling a current prescription…
take control of your prescription PLAN | 2
Your health care provider. Check with your doctor or nurse if there’s a generic for any medication you’re prescribed.
Your pharmacist. Before getting a prescription filled, refilled or renewed, ask your pharmacist if there’s a generic alternative.
Express Scripts. You can review your prescriptions and specific generics savings opportunities at express-scripts.com.
Is there a generic for your medication? You can ask…
1 Over 85% of members receive their medications within 7 days. Longer delivery times may be due to additional correspondence needed with prescribers, medication availability and/or delivery times from the shipping vendor.
© 2021 Express Scripts. All Rights Reserved. 20EME20533 CRP2107_010387.1
All generics must
adhere to strict
TAKE A BREAK FROM BRAND NAMES
For additional information on how to take control of your prescription plan or any other questions
about your account or coverage, visit express-scripts.com, download the Express Scripts mobile app
or call the Member Services number on the back of your member ID card.
By not looking for the best deal on your prescription drugs, you may end up paying more than you should for your medications.
The easiest—and safest—way to save money on prescriptions is to ask for a generic, which typically costs less because the manufacturer did not have to conduct the initial research or studies that the branded drug did.
Direct chemical equivalent – a drug that has the same active ingredient as its brand-name counterpart
Therapeutic alternative – a drug that may not be chemically equivalent to the brand, but has the same therapeutic or treatment effect
Direct chemical equivalents are practically identical to the branded drug, while therapeutic alternatives are part of the same family.
Ask about switching to a generic medication to save money on your prescriptions.
Generics fall into two categories: DID YOU KNOW
Watch to learn just what’s so great about home delivery.
Watch to learn more about managing your prescription plan online.
IS THERE A GENERIC FOR THAT?
Six simple, money-saving words When it comes to shopping, most consumers want to know the price of a product and will often look for the
best deal before making a purchase. That’s not always the case when buying prescription drugs, which
means many people are paying more than they should for their medications.
One way to save money on prescriptions is to ask for a generic, which typically costs less because the
manufacturer didn’t have to conduct the initial research or repeat the studies that the first-to-market branded
drug did. In fact, FDA-approved generics can cost up to 85% less.1 Today, 9 in 10 prescriptions filled in the
U.S. are for generic drugs.2
Generics fall into two categories:
• Direct chemical equivalent: a drug that has the same active ingredient as its brand-name counterpart
• Therapeutic alternative: a drug that may not be chemically equivalent to the brand, but has the same
therapeutic or treatment effect
Think of it this way: direct chemical equivalents are practically identical to the branded product, while
therapeutic alternatives are part of the same family.
SAFETY FIRST
ensuring the safety and effectiveness of all approved
generics. In 2020, the FDA approved over 750 generic
drugs, including the first generic versions of commonly used brands like Daraprim®, Pradaxa®, Proventil® HFA, and Tecfidera®.3
Furthermore, our pharmacy benefit manager, Express
Scripts, protects their supply of drugs from substandard
manufacturing practices and counterfeit products. Their
pharmacies only dispense medications that are
manufactured according to the FDA’s strict standards,
which provide guidance for manufacturing, testing and
quality assurance to ensure product safety.
Here are some other six-word phrases to help keep money-saving generics top-of-mind:
Check it out during your checkup: Before leaving a doctor’s office with prescription in hand, be sure to ask
the doctor or nurse, “Is there a generic for that?”
Give your prescriptions a quick checkup: Review all of your medications regularly with a doctor or pharmacist,
because there may be new, lower-cost treatments available.
Ask about generics before you fill: When you hand over a new prescription to your pharmacist, or during refill
or renewal time, ask, “Is there a generic for that?” The pharmacist can tell you and then call your doctor to
discuss changing the prescription accordingly.
“A generic medicine works in the same
way and provides the same clinical benefit
as its brand-name version. This standard
applies to all FDA-approved generic
medicines. A generic medicine is the
same as a brand-name medicine in
dosage, safety, effectiveness, strength,
it is taken and should be used.” 4
— U.S. Food & Drug Administration
2
Get the most from your dollars: You can learn more about your specific generics savings opportunities by
logging in at express-scripts.com and reviewing your prescriptions. Select Price a Medication from the menu
under Prescriptions, enter your drug name and view cost and coverage information on the results page.
Get the facts from the FDA: Learn more about the benefits of generic drugs and the policies guiding their
development from fda.gov.
4 Generic Drug Facts. fda.gov/drugs/generic-drugs/generic-drug-facts. Accessed July 12, 2021.
© 2021 Express Scripts and the “E” Logo are trademarks of Express Scripts Strategic Development Inc. All other trademarks are the property of their respective owners. CRP2107_0010233.1 FS2107_0010233
1 You can search for “Express Scripts” in your app store and download it for free. Then register, if first visit, or log in.
2018 Express Scripts. All Rights Reserved. Express Scripts and E Logo are trademarks of Express Scripts Strategic Development, Inc.
FS47536E
Getting Started with Home Delivery from the Express Scripts PharmacySM
Online access to savings and convenience
Whether you are viewing the member website or using the Express ScriptsTM mobile app1,
you can easily manage your home delivery prescriptions:
• Check order status
• Pay your balance using a variety of payment options
• View our therapeutic resource centers for information
• And much more
Log in to express-scripts.com (Register if it is your
first visit. Just have your member ID or SSN handy.)
If you have a NEW prescription …
Get started by contacting your doctor to request a
90-day prescription that he or she can ePrescribe
directly to Express Scripts
Or print a form by selecting “Forms” or “Forms & Cards” from the menu under “Benefits,” print a mail
order form and follow the mailing instructions.
Or call us and we’ll contact your doctor for you.
Please allow 10 to 14 days for your first prescription order to be shipped.
If you already have a prescription …
Check Order Status online or using our app to view details and track shipping.
Transfer retail prescriptions to home delivery. Just click Add to Cart for eligible prescriptions and check out.
We’ll contact your provider on your behalf and take care of the rest. Check Order Status to track your order.
Refill and Renew Prescriptions for yourself
and your family while online or while using
our app. Just click Add to Cart for eligible
prescriptions and check out. We’ll contact
your provider on your behalf, if renewals are
included, and take care of the rest.
RX Card Frequently Asked Questions
DOES THE PRESCRIPTION DISCOUNT CARD PROGRAM COLLECT OR USE PERSONAL DATA?
No. We do not require, sell or share/re-market your personal data.
IS THERE A COST TO USE THE CARD? No. The card is 100% free to use!
DOES EVERYONE QUALIFY TO USE THE CARD?
Yes. Anyone can use the card, there are no restrictions or pre-qualifications. The card can be used by individuals and family members regardless of a person’s health, age, immigration status, or income, and there are no limits on how many times it can be
used.
WHAT PRESCRIPTION DRUG MEDICATIONS ARE DISCOUNTED WITH THE CARD?
There are over 60,000 prescriptions medications discounted, both brand name and generic medications. The Coast2CoastRx Card also covers several pet medications!
DO I HAVE TO REGISTER THE CARD BEFORE USING IT?
No. This prescription discount card does not require registration or any pre- qualifications. Simply print, text, or email a card to yourself and provide the card to your
pharmacist at checkout for instant savings.
HOW MANY PHARMACIES ARE IN THE PRESCRIPTION DISCOUNT CARD NETWORK?
There are thousands of pharmacies in the network. The discount card can be used at all major pharmacy chains, and many independent pharmacies in all 50 states and all U.S.
territories, including Puerto Rico, Guam, and the U.S. Virgin Islands.
HOW MUCH CAN I SAVE USING THE CARD? You can save up to 85% on an individual prescription. Savings may be greater or less than 85%, Check to see how much you can save today by entering your prescription
into our RX Savings calculator.
DOES THE CARD EXPIRE? No. There is no expiration date and no limit on usage.
DOES A CARDHOLDER NEED MORE THAN ONE CARD FOR HIS OR HER
FAMILY? No. You can use one card for your entire family; each family member must have a
unique ID number. This may be accomplished by adding a 01, 02, etc. for dependents at the end of the original ID number. Refresh the page to obtain an additional card or
call us at 1-800-931-8872
CAN I USE MY HEALTH INSURANCE CARD AT THE SAME TIME AS THE COAST2COASTRX CARD?
No. Two cards may not be used at the same time – you can’t combine both insurance savings and card savings. However, if a prescription drug is not covered by your
insurance, use the Coast2CoastRx Card to receive your discount. Note: If your prescription is covered by insurance, compare the price with insurance
applied to the price with the card discount – and choose whichever price saves you the most
ARE SOME MEDICATIONS COVERED UNDER THE CARD THAT OTHER
PRESCRIPTION PLANS DO NOT COVER? Yes, occasionally. If a health insurance prescription plan does not cover a certain
prescription medication, the card may provide a discount. The card can also be used to fill pet prescriptions, as long as the prescription can be filled at a pharmacy.
WHAT IF THE CARDHOLDER IS A MEDICARE PART D PARTICIPANT?
Medicare Part D participants are usually 65 years old or older. There is a gap in participant coverage that is called the “donut hole” where Medicare participants must
pay out-of-pocket up to a certain amount. The Coast2CoastRx Card provides an option to help participants in the “donut hole” get relief from high prescription drug prices.
IS THE DISCOUNT CARD CONSIDERED INSURANCE?
No. The card is not insurance, and it is not intended to replace insurance.
When it comes to surgery or major medical treatment, you need to know you’re getting the best care. That’s why County of Santa Barbara sponsors Carrum Health as a benefit. We make it easier, more enjoyable, and less expensive to get high-quality healthcare.
Plus, sometimes surgery isn't necessary, and less invasive options may be better for you. If you receive a recommendation to get surgery, contact Carrum Health to schedule a complimentary second opinion.
Surgeries Carrum covers (may differ by your employer): knee, hip, elbow, neck, back, shoulder, heart, weight loss, and 100+ more.
Questions? Activate your account and securely message one of our patient care specialists or call 888-855-7806.
Get started: Visit carrum.me/cosb
The support you want
Our team does all of the planning, preparation, and paperwork so you
can focus on what matters — your health.
Your costs are covered
Your employer covers all or most of the medical and travel costs so
you won’t worry about surprise bills.*
The absolute best care
your procedure and lower complication rates than
90% of providers.
COS-FLY 20210804
For knee and hip replacements, spinal fusion, and bariatric weight loss procedures, you need to receive an expert second opinion through Carrum Health, prior to scheduling your procedure. The second opinion service is free and most will be done virtually. If surgery is the right treatment path, you may continue through Carrum Health or get your procedure done through another provider.
Individuals enrolled in high deductible plans must first meet their deductible, but copays and coinsurance will be waived.
*Per IRS rules, a portion of any covered travel expenses will be reported as taxable income.
UNDERSTANDING YOUR HDHP & HSA PLAN Open Enrollment is here - are you missing out by not enrolling in the HDHP? What better time to take another look at our High Deductible Health Plan (HDHP) to see if it’s the right fit for you this year? This progressive medical plan offers great savings and comprehensive coverage when you need it. If you enroll in the HDHP, the county will contribute to your account for you to use for healthcare expenses and to help build a safety net for the future.
See any provider you want, with the lowest costs in-
network
Preventive care is covered at 100% in-network. You only pay for additional care if you need
it.
Same Blue Shield network of providers as the PPO plan
Once you meet the annual deductible, you pay a small
percentage of the cost and the plan pays the rest.
You’re protected from big bills. Once you hit the out-of-pocket maximum, the plan pays 100% of eligible costs for the year.
Health Savings Account helps you save for current and future
expenses— tax-free.
See any provider you want, with the lowest costs in-network
Preventive care is covered at 100% in-network. You only pay for additional care if you need it.
Same Blue Shield network of providers as the PPO plan
Once you meet the annual deductible, you pay a small percentage of the cost and the plan pays the rest.
You’re protected from big bills. Once you hit the out-of-pocket maximum, the plan pays 100% of eligible costs for the year.
Health Savings Account helps you save for current and future expenses— tax-free.
With a County contribution!
paired with the industry-leading technology of My SmartCare
makes it easier than ever to have Uncle Sam help pay for certain
medical, dental, and optical expenses that are not otherwise covered by your insurance plans
www.bccbenefitsolutions.com
BCC’S TOLL-FREE CUSTOMER SERVICE CALL CENTER: 800-685-6100
Monday - Thursday: 8:00am - 8:00pm ET / 5:00am - 5:00pm PT Friday: 8:00am - 6:00pm ET / 5:00am - 3:00pm PT
how SMART is your dollar? MAXIMIZE your income with a FLEXIBLE SPENDING ACCOUNT
Use these worksheets to estimate your annual expenses. Estimate conservatively, because any funds left in your account at the end of the Plan Year may be forfeited under IRS guidelines. Remember, calculated amounts cannot
exceed the calendar year limits established by your plan sponsor and the IRS.
HEALTH CARE REIMBURSEMENT ACCOUNT
Routine Physical Exams Not Covered by Insurance $ ____________________
Dental and Orthodontia $ ____________________
SAVE on Predictable Expenses
DEPENDENT CARE REIMBURSEMENT ACCOUNT Estimate your eligible dependent care annual expenses for the plan year:Estimate the annual amount of uninsured expenses in the plan year:
$ ____________________
$ ____________________
$ ____________________
$ ____________________
$ ____________________
$ ____________________
In-Home Care $ ____________________
* If you are a new employee enrolling after the Plan Year begins, divide by the number of pay periods remaining in the plan year.
Premium Conversion This account type pays your medical, dental and vision plan contributions automatically on a before-tax basis. The monies withheld from your paycheck are used to pay the monthly premiums for these important employee benefits. The benefits you enjoy are two-fold: you are covered by the medical, dental, and/or vision plan AND you receive a tax break.
Health Care Reimbursement Use this account to pay for qualified, medically necessary medical, dental, or optical expenses that are not covered by any of your insurance plans. A partial list of eligible expenses is listed in this brochure. Either you or your eligible dependents can incur these expenses.
Dependent Care Reimbursement You can set aside funds annually to offset daycare expenses for your eligible children or elderly dependents. Daycare expenses are defined as those that are necessary in order for you (and your spouse, if you’re married) to continue working. Mass Transit & Parking Reimbursement If offered by your Plan Sponsor, you can reimburse youself for a number of work-related parking and mass transit expenses.
Each one of us would like to have more money in our pocket. Participating in your company-sponsored Flexible Spending Account can do just that! What types of FSAs are available?
CALCULATE your Estimated Expenses
Christy is a divorced parent raising two children alone with an annual income of $30,000. She uses her Premium Conversion Account to pay her monthly premium contr ibutions for their group medical and dental plans. She uses the Health Care Reimbursement Account to receive reimbursement of their annual medical and dental deductibles. Christy uses her Dependent Care Reimbursement Account to pay for daycare expenses on a pre-tax basis. By participating in the Flexible Spending Account, Christy’s spendable income is increased
by $158.99 per month.
Paul and Jenny are both employed, have two children, and have a c o m b i n e d a n n u a l i n c o m e of $76,000. They decide on a Premium Conversion Account to help pay the premium contributions for their dependent medical coverage. Their Dependent Care Reimbursement Account helps with their daycare expenses. One of their children is in braces, so they also use the Health Care Reimbursement Account to help pay orthodontic expenses not covered by their dental plan. By participating in the Flexible Spending Account, Paul and Jenny increase their spendable income
by $266.82 per month.
Mike and his wife Linda have two grown children that no longer live with them. Mike’s annual salary is $98,000 and he uses a Premium Conversion Account to pay for the monthly premium contributions for health care coverage for himself and his wife. He uses the Health Care Reimbursement Account to cover their annual medical and dental deductibles. By participating in the Flexible Spending Account, Mike’s spendable income is increased
by $128.01 per month.
a STRATEGY that works for E V E R Y O N E
Pay Per Month $2,500 $6,334 $8,167 Less Non-Taxable Benefits without with flex without with flex without with flex Medical Premiums -- $115.00 – $185.00 – $140.00 Medical/Dental Expenses – $60.00 – $125.00 – $200.00 Dependent Care Expenses – $400.00 – $400.00 N/A N/A Total Pay Subject to Tax $2,500 $1,925.00 $6,334 $5,624.00 $8,167.00 $7,827.00 Less Tax Deductions Federal & State $500.00 $385.00 $1,900.20 $1,687.20 $2,450.10 $2,348.10 FICA $191.25 $147.26 $484.06 $430.24 $624.78 $598.77 After Income Tax $1,808.75 $1,392.74 $3,949.74 $3,506.56 $5,092.12 $4,880.13 After Tax Expenses Medical Premiums $115.00 – $185.00 – $140.00 – Medical/Dental Expenses $60.00 – $125.00 – $200.00 – Dependent Care Expenses $400.00 – $400.00 – N/A N/A Spendable Income $1,233.75 $1,392.74 $3,239.74 $3,506.56 $4,752.12 $4,880.13
Increased Spendable $158.99 $266.82 $128.01 Monthly Income
FSAs offer employees a unique way to pay
for certain necessary expenses with tax- free dollars. These
examples help illustrate how you
might see more money in your pocket
by participating in a Flexible Spending
Account.
ASSUMPTIONS ON THE CHART BELOW: Single parent's estimated federal tax 15% and state tax 5%; dual income's estimated federal tax 25% and state tax 5%; full family's estimated federal tax 25% and state tax 5%. Note: Payroll calculations are for illustrative purposes only and normally
vary by state and local taxing entities.
ONLINE & MOBILE ACCOUNT ACCESS We are all ‘on the go’, so why shouldn’t our FSAs be too? The My SmartCare online portal and mobile app are fast, secure, and best of all - CONVENIENT! Check your account balance in real-time, file a claim for reimbursement by snapping a photo of the receipt, check on a claim status from anywhere, and more! It’s that SIMPLE!
BENEFITS DEBIT CARD CONVENIENCE The BCC benefts debit card has made spending your FSA funds easier than ever! If your plan-sponsor utilizes this feature, the card allows you to avoid out-of-pocket expenses, cumbersome paperwork, and reimbursement delays. Swiping your benefits debit card at the point of service deducts the payment directly from your account, giving you instant access to your FSA dollars. It can be used at all eligible FSA locations where Mastercard® is accepted. One benefits debit card can manage multiple account types, such as a Healthcare Account, Dependent Care Account, Mass Transit Account, Parking Account, Health Reimbursement Account, or Health Savings Account. The My SmartCare online portal and mobile app support the use of this card by separating each of your account types for fast and easy review of all your funds in one place.
BCC’s MY SMARTCARE makes it S I M P L E
By registering with My SmartCare, you will begin receiving e-mail or text notifications (your choice) to help you manage your funds. You will be alerted of your account balance each month, when a manual claim begins processing, and when a debit card is mailed to you. The My SmartCare app is available for iOS and Android users.
REIMBURSEMENT EASE If your plan-sponsor utilizes the benefits debit card, you can swipe your card at the point of service to automatically use your FSA funds. If you don’t have your card with you or your plan does not include a debit card, you can simply use one of these methods to submit for reimbursement: SUBMISSION THROUGH MY SMARTCARE: (no Reimbursement Form required, uploaded photo of substantiation required)
• My SmartCare Online Portal • My SmartCare Mobile App OTHER ELECTRONIC SUBMISSION: (Reimbursement Form and photo of substantiation required)
• E-mail: fsa-claims@bccbenefitsolutions.com
PAPER SUBMISSION: (Reimbursement Form and photo of substantiation required)
• Fax: 412-276-7185 • Mail: BCC, Attn: Claims Two Robinson Plaza, Suite 200 Pittsburgh, PA 15205
FSA STORE BCC partners with the FSA Store to offer a simple, convenient way to use FSA dollars. This partnership gives you access to:
Exclusive Discounts on 4,000+ FSA
Eligible Products
Full Eligibility List to reduce FSA
Eligibility Confusion
or Phone Call
Visit fsastore.com/BCCOE to learn more!
DIRECT DEPOSIT If you don’t use your benefits debit card for payment or your plan-sponsor does not utilize a benefits card, you may have your reimbursement deposited directly into your checking or savings account. These transactions are reflected on the Explanation of Benefits (EOB). To enroll in this optional service, use the Reimbursement Settings in your My SmartCare account to set up your bank account information or obtain an authorization form from your HR Department and submit a completed copy to BCC.
How do I know how much money is in my account(s)? You can check your balance through the My SmartCare online portal, mobile app, or by calling BCC’s Customer Service Call Center. Once registered with My SmartCare, you will receive monthly balance reminders via e-mail.
When can I start using my FSA funds? You can access your entire annual contribution on the first day of your Plan Year. For example: if your Plan starts January 1st and you incur a large expense that day that is not covered by your insurance plan, you can submit the expense (up to your annual contribution amount) for reimbursement even though the Plan Year’s contributions have not all been collected.
Can I change my election amount mid-year? No. Health care FSA election may only be altered if you experience a change in status as defined by IRS regulations (i.e. marriage, divorce, birth, or death in your immediate family). The change must be made within 30 days of experiencing the status change.
What happens to the money left over when the Plan Year ends? Check with your plan-sponsor for guidance on what happens to your unused funds when the Plan Year ends. Remaining funds may be forfeited under the IRS “Use It or Lose It” rule. Or, your plan-sponsor may have adopted a rollover provision or grace period.
How do I determine the date my expense was incurred? Expenses are incurred at the time that the service was provided, no when you are invoiced or when you pay the bill.
Can I use my funds to pay for my family’s qualifying expenses? Your FSA funds cover eligible expenses for you and all of your dependents, even if you and/or your dependents are not covered under your Plan Sponsor’s primary health plan.
Do I choose Debit or Credit at the payment terminal when I use my benefits debit card? Your benefits debit card can be swiped as either credit or debit at the time of purchase. If you choose to swipe as credit, you will need to sign for the purchase. If you choose to swipe as debit, you will need to enter your PIN number for purchase. To obtain the PIN associated with your card, you can use the My SmartCare online portal or mobile app. Your PIN is pre-determined at issue and cannot be customized.
Can I get cash back at the point of sale or ATM with my PIN? No. Your benefits debit card is only to be used for qualifying purchases and is not enabled for cash back.
What do I do if I forget by benefits debit card PIN? You can retrieve your PIN through the My SmartCare online portal or mobile app. For security purposes, neither BCC’s Customer Service Call Center nor your HR Department have access to your PIN. If you forget your PIN, you can swipe your card as credit and sign for the purchase instead.
How can I use my card if I receive a bill from a provider in the mail? If the bill provides a space for payment via credit card, fill out that section with your card information OR call the provider for payment over the phone to provide payment information.
What if the doctor’s office does not take credit cards? Cardholders would have to use another method of payment and then submit a manual claim.
What should I do if I accidently use the card for an ineligible expense? You will receive a notice from BCC asking that you reimburse your account for the ineligible amount.
Can I order additional cards for my family? Yes, for your spouse or other eligible dependents (over the age of 18). You must compelte and return a request form to BCC for processing and card generation.
What do I do if my card is lost or stolen? This must be reported to BCC via the My SmartCare online portal, mobile app, or by calling BCC’s Customer Service Call Center. A replacement card will be ordered and the lost or stolen card will be deactivated.
What do I do with my card after I’ve used all of my available funds? Your benefits debit card is good for up to three years. Keep the card after you have used all of your available funds because you will be able to use it again next year for future Plan Years when you re-enroll.
Do I still need to keep my receipts? Yes. Although there is no requirement for you to complete claim forms and submit physical receipts, additional documentation may be requested in some cases to confirm the eligibility of a benefits debit card purchase.
Why should I use by benefits debit card if I still might have to submit paper at a later date? Not all transactions will trigger a request for substantiation. According to IRS Publication 969, “...If the use of these cards meets certain substantiation methods, you may not have to provide additional information to the health FSA.” BCC‘s hosted debit card system works in conjunction with registered IIAS terminal merchants to help ensure cards are used for eligible expenses only.
My transaction is a Code §213(d) medical expense. Why did I receive a letter requesting additional documentation? To ensure compliance with IRS guidelines, BCC must perform audits on large dollar claims and amounts over $50.00 at certain locations where it is not readily discernible as to the use of the funds. Additional audits may also be performed to ensure the integrity of the claims payment process.
My benefits debit card transaction already went through and payment was made. What happens if I don’t respond to BCC’s request for documentation? Failure to provide appropriate documentation within 30 days from the date of the initial request will result in the benefits card being made temporarily inactive. Claims will then only be processed via the regular request for reimbursement method until appropriate documentation in received, reviewed, and approved.
Q & A on Health Care FSAs
EXPENSES NOT ELIGIBLE FOR REIMBURSEMENT • Insurance premiums • Elective cosmetic surgery • Expenses reimbursed by another insurance or FSA • Expenses not qualified by the IRS
• Expenses claimed as deductions or credits on your federal tax return • Expenses incurred before you were a participant in the FSA plan • Expenses incurred when you are no longer a participant in the FSA plan • Amounts above the maximum plan limits for medical reimbursement
ELIGIBLE EXPENSES • Acupuncture • Adoption, Pre-Adoption medical expenses • Alcoholism Treatment • Ambulance • Artificial teeth & limbs • Asthma treatments • Bandages, elastic, gauze pads, liquid adhesives for small cuts • Blood pressure monitoring devices • Breast pumps and lactation supplies • Carpal tunnel wrist supports • Chiropractors • Circumcision • Co-insurance amounts • Cold/hot packs • Contact lenses, materials and equipment • Contraceptives • Co-payments • Crutches • Deductibles • Dental sealants • Dental treatment (excludes cosmetic) • Dentures and denture adhesives • Drug addiction treatment • Egg donor fees • Eye examinations and eyeglasses • Feminine Care Products • First aid (creams and kits) • Flu shots • GIFT (Gamete Intra-Fallopian Transfer) • Guide dog • Hearing aids • Hospital services • Immunizations • Laboratory fees • Lasik eye surgery • Medical information plan charges • Medical monitoring and testing devices • Medical records charges • Norplant insertion or removal • Obstetrical expenses • Occlusal guards to prevent teeth grinding • Operations (excludes cosmetic procedures) • Organ donors • Orthodontia • Osteopath fees • Over-the-Counter drugs • Oxygen • Physical exams • Physical therapy • Pregnancy Test Kits • Preventive care screenings • Prosthesis • Psychiatric care • Radial keratotomy • Shipping and handling fees • Sterilization procedures • Sunscren (SPF 15+) • Taxes on medical services and products • Termination of Pregnancy
EXPENSES REQUIRING A LETTER OF MEDICAL NECESSITY • Arthritis gloves • Braille books and magazines • Breast reconstruction surgery following mastectomy • Chelation therapy • Fluoridation devices or services • Herbal Supplements • Learning disability, instructional fees • Massage therapy • Medical alert bracelet or necklace • Patterning exercise • Television or telephone for hearing impaired persons • Vitamins
What is a letter of medical necessity? The IRS mandates that eligible expenses be primarily for the diagnosis, treatment, or prevention of disease or treatment of conditions affecting any functional part of the body. For exam- ple, vitamins are not typically covered because they are used for general wellness, but your doctor may prescribe a vitamin to treat a medical condition. The vitamin would then be eligible if your doctor verified the necessity of treatment.
EXPENSES REQUIRING A PRESCRIPTION • Antibiotics • Anxiety medication • Blood pressure medication • Heart Disease medication • Steroids
HEALTH CARE FSAs
EXPENSES NOT ELIGIBLE FOR REIMBURSEMENT
Required for Most Health Care Services: • All PPO Services: Explanation of Benefits (EOB) from the insur- ance carrier • Non-PPO Services: Itemized bill or receipt from service provider that includes all of the following: • Name of Service Provider • Name of Patient • Date of Service • Details of Service or Product • Cost of Service or Product
• DO NOT SUBMIT: Cash Register Receipts, Balance Forward Statements, Cancelled Checks, Credit Card Receipts/Statements, Recieved-on-Account Statements, Estimates for Services to be Performed
Required for an Office Co-Pay: • Receipt or Invoice that includes all of the following: • Name & Address of Service Provider (pre-printed or stamped) • Name of Patient • Date of Service • Wording indicating that it is a co-pay or office visit • Cost of Co-Pay
• DO NOT SUBMIT: Cash Register Receipts, Balance Forward Statements, Cancelled Checks, Credit Card Receipts/Statements, Recieved-on-Account Statements
Required for Prescriptions: • A copy of the itemized prescription label (often attached to the outside of the bag upon purchase) or mail-order prescription invoice that includes all of the following: • Name of Pharmacy • Name of Patient • Date of Purchase • Name of Drug • Cost of Prescription (if not subject to co-pay)
• DO NOT SUBMIT: Cash Register Receipts, Balance Forward Statements • If you do not have a copy of the label, contact your pharmacy
Special Circumstances: • Orthodontia: Requires an Orthodontia Financial Agreement each Plan Year (contact BCC’s Customer Service Center regarding this document) • Some expenses require a letter from your doctor each Plan Year (ex: Hypnotherapy, Massage Therapy, Support Hose, Weight Loss)
SUPPORTING DOCUMENTATION GUIDELINES RULES TO REMEMBER
Participants must actively enroll in an FSA plan each year. FSA Enrollment does not
automatically carry forward from one Plan Year to the next.
Once FSA contributions begin, an election can change ONLY if a change in family status
occurs, as defined by the IRS. This includes marriage, divorce, birth or adoption of a
child, or the death of a dependent.
IRS regulations very clearly define FSA rules because you are affecting your taxable
income by contributing to an FSA. You must keep these rules in mind when you are
planning your contributions and using FSA funds.
Be aware that when taxable income de- creases, one’s Social Security contributions decrease. This reduction of Social Security
(FICA) contributions may affect future retire- ment or disability benefits.
Estimate your annual contributions con- servatively as unused funds at the end of the Plan Year may be forfeited under the
IRS “Use It or Lose It” Rule. Check with your plan-sponsor on any available rollover provi-
sions or grace periods.
If enrolled in more than one FSA category, reimbursement can only occur from the account for which the contribution was
designated. In other words, if a contribution is made to both Health Care and Dependent Care Accounts, reimbursement for a depen-
dent care expense cannot occur from the Health Care account.
HEALTH CARE FSAs
• In-Home Child Care/Au Pair Services
• Nursery & Preschool
DEPENDENT CARE reimbursement WHAT IS THE FSA DEFINITION
OF “DEPENDENT”?
• he/she must be your dependent, • under the age of 13 when the care is provided, AND • for whom you can claim an ex- emption, OR • your spouse who was physically or mentally unable to care for him/ herself *For more in-depth information or clarification on elder care as a quali- fied expense, consult your tax advisor
EXPENSES NOT ELIGIBLE FOR REIMBURSEMENT • Food
• Clothing
• Entertainment
• Activity Fees
• Tutoring Costs
SUPPORTING DOCUMENTATION GUIDELINES:
Dependent Care Documentation Must Show: • Name of Dependent(s) • Begin & End Date of Service • Provider Tax ID Number for health care facility OR Social Security Number for individual service providers • Amount Incurred • Signature of Provider
Do NOT Submit:
• Copies of Checks/Cancelled Checks (copies of cancelled checks are acceptable so long as both the front and back of the cancelled check are copied) • Balance Forward Statements • Credit Card Statements (Cash register receipts & credit card receipts are accept- able, provided that they are detailed & the request form is itemized) • Estimates for Services to be Performed
Special Circumstances: • Reimbursement requests received incomplete or without proper documentation will be returned unprocessed
• You may only be reimbursed for current or previous dependent care expenses • Keep originals for your records as supporting documents become part of your claim and will not be returned • Reimbursements will be sent to your home address unless the direct deposit feature is available under your Flexible Benefits Plan and is requested
Parking & Mass Transit Documentation Must Show: • Date(s) of Service • Amount Incurred
Do NOT Submit: • Cancelled Checks • Credit Card Statements (Cash register receipts & credit card receipts are acceptable, provided that they are detailed & the request form is itemized)
Special Circumstances: • If you cannot obtain a receipt, you must complete and sign the Employee Certification section AND the Authorization section of the Reimbursement Form. Examples of this instance include paying via parking meter or paying via coin box.
SUPPORTING DOCUMENTATION GUIDELINES FOR PARKING & MASS TRANSIT EXPENSES:
Your Plan Sponsor (employer) decides if a Parking or Mass Transit FSA is offered. Check your Plan Document or contact your HR Department
for more information.
• Fees for parking that is located on or near employer’s premises
• Fees for parking at or near a mass-transit location (allowing you to commute via mass-transit)
• Fees for parking at or near a van-pooling or car-pooling meeting site
• Parking provided to you where your employer pays directly to a parking lot operator
• Parking that an employer provides on its premises that requires a lease
ELIGIBLE PARKING EXPENSES (if your Plan Sponsor offers this benefit)
ELIGIBLE MASS TRANSIT EXPENSES (if your Plan Sponsor offers this benefit)
• Transit Pass
• Transit Token
•Transit Fare-Care
• Transit Voucher
• Commuter Highway Vehicle Expense*
• Similar items may also be eligible pending approval from your Plan Sponsor
*A Commuter Highway Vehicle is any highway vehicle with a seating capacity of at least six adults, not including the driver, used for travel between the employee’s residence and place of employment.
Expenses must be provided by a Mass Transit Facility of Qualified Van Pooling Service
DO I HAVE THIS BENEFIT?
PARKING & MASS TRANSIT FSA reimbursement
EXPENSES NOT ELIGIBLE FOR REIMBURSEMENT • EZ Pass
• Highway Tolls
• Bicycle expenses

1) Go To: https://www.mywealthcareonline.com/bccsmartcare/
2) Click ‘REGISTER’ at the top right corner of the screen to begin
1) Open the app store from your iOS or Android powered device
2) Search “BCC SmartCare”
4) Click “REGISTER” to begin
Contact BCC’s Customer Service Call Center toll free at 800-685-6100 or e-mail CustomerSupport@benxcel.com
When registering as a new user, My SmartCare will walk you through a series of registration questions followed by a secure authentication process to validate you as a user.
Use your Social Security Number as your Employee ID.
Use your Benefits Debit Card number or your Employer ID (BCCCOSB) as your Registration ID.
By registering with My SmartCare, you will have the option to receive important push notifications (account balance, grace period, year-end reminders; notice of debit card mailed, etc.) via e-mail or text message. You can manage these notifications in your My SmartCare communication settings.
You have the option to save your User ID to your mobile device by choosing ‘ON’ next to “Save this Online ID”. This will allow you to bypass the secure sign in process each time you log in after you verify your identity during the initial log in.
ReliaStar Life Insurance Company, a member of the Voya® family of companies
County of Santa Barbara offers a range of optional benefits that can help you protect what you have today and prepare for tomorrow.
Get to know what’s available to you now by visiting your Voya Employee Benefits Resource Center: https://presents.voya.com/EBRC/COSB
Basic Group Term Life Insurance - 316407 Group Term Life Insurance pays a benefit to your beneficiary(ies) if you pass away during a specific period of time (known as a “term”). Typically, the term of this coverage is one year and renews on an annual basis, along with your other employer-offered benefits. Your company provides Basic Group Term Life Insurance at no cost to you.
Even though your employer provides Basic Group Term Life Insurance, it may not be enough coverage to meet your needs. You have the ability to apply for additional life insurance, called Supplemental Group Term Life Insurance as part of your benefits plan.
Employer-paid Long Term Disability Income coverage - 316407 Becoming disabled can have a huge impact on your finances and quality of life. Long Term Disability Income Insurance can help with both. If you experience an eligible illness or injury that leaves you unable to work, it can help you fill the gap between your income and expenses, and help you manage your disability. Your employer provides Long Term Disability coverage that pays benefits to replace up to 60% of your income. When possible, it can also provide services to help you return to work and when not possible, it can provide benefits until retirement.
Critical Illness Insurance - 684911 Critical Illness insurance pays a lump-sum benefit if you are diagnosed with a covered disease or condition such as cancer, stroke, or heart attack on or after your effective date of coverage*. You can use this money however you like, for example: to help pay for expenses not covered by your medical plan, lost wages, child care, travel, home health care costs or any of your regular household expenses. Critical Illness Insurance is a limited benefit policy. This is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.
*See the product brochure, certificate of coverage and any applicable riders for a complete list of covered conditions, along with complete provisions, exclusions and limitations.
Accident Insurance - 684911 Accident Insurance pays you benefits for specific injuries and events resulting from a covered accident on or after your coverage effective date*. You can use this money however you like, including: deductibles, child care, housecleaning, groceries or utilities. Accident Insurance is a limited benefit policy. This is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.
*See the product brochure, certificate of coverage and any applicable riders for a list of covered accidents, along with complete provisions, exclusions and limitations.
Wellness Benefit - 684911 If you are covered by Accident Insurance or Critical Illness Insurance, then you are also covered by the Wellness Benefit. The Wellness Benefit provides an annual benefit payment if you complete a health screening test on or after your coverage effective date, whether or not there is any out-of-pocket cost to you. You only need to complete one health screening test. Note that you may only receive a benefit payment once per year, even if you complete multiple health screening tests.
This is a summary of benefits only. A complete description of benefits, limitations, exclusions and termination of coverage will be provided in the certificate of insurance and riders. All coverage is subject to the terms and conditions of the group policy. If there is any discrepancy between this document and the group policy documents, the policy documents will govern. To keep coverage in force, premiums are payable up to the date of coverage termination. Insurance is underwritten by ReliaStar Life Insurance Company (Minneapolis, MN), a member of the Voya® family of companies. Voya Employee Benefits is a division of ReliaStar Life Insurance Company. Policy provisions and availability may vary by state.
974198 208720-11152019
Online calculators for a variety of analytical questions and needs
Home improvement
Veterinarians, pet-sitting, and obedience training
The program’s user-friendly, confidential services are available to you and your eligible dependents 24 hours a day, every day of the year by calling:
1-800-367-7474 Toll-Free Throughout North America
Go to mylifematters.com on the web or your mobile de-vice and enter the password to access resources, educational information, and self-service options.
Services provided directly by LifeMatters are free. If you are referred to outside resources, you will be advised about your costs, if any.
For more information, call LifeMatters at 1-800-367-7474 or visit mylifematters.com — password COSB.
When you or your family need useful ideas, helpful re- sources, or reliable professional care, LifeMatters is just a phone call away. Free, confidential LifeMatters services include:
Telephone and face-to-face counseling for:
Stress, depression, and personal problems
Balancing work and personal needs
Family and relationship concerns
Alcohol or drug dependency
WorkLife Services:
Financial consultation and resources to set up a budget, obtain and review credit report informa- tion, or assist with debt management and consoli- dation.
Legal consultation with an attorney either over the phone or face-to-face for consumer law, traffic citations and fender benders, family law, or estate planning.
Online and assisted searches for:
Child and elder care resources and guidance
Adoption assistance
Educational resources
Personal security
Call LifeMatters® by Empathia toll-free anytime. 1-800-367-7474
Assistance with Life, Work, Family, and Wellbeing • 24/7/365 Call collect to 262-574-2509 if outside of North America Visit LifeMatters® online at mylifematters.com (password: COSB)
facebook.com/lifematterseap Language assistance services in your preferred spoken and written languages are available at no cost by calling 1-800-367-7474.
Special deals for County of Santa Barbara Employees! With LifeBalance, you can save on the things we all love most - fun family time, the great outdoors,
health, fitness, travel, sports, the arts, and above all, a good deal! Discounts are available year-round for you and your family members and can be accessed by visiting
COSB.LifeBalanceProgram.com.
Check out some of the most popular deals on LifeBalance right now! Thousands of additional savings are available at COSB.LifeBalanceProgram.com.
p: 888.754.5433 e: info@LifeBalanceProgram.com
With one simple registration, GotZoom identifies and applies on your behalf for over 70 Federal Student Loan
Repayment and Loan Forgiveness programs offered through the US Department of Education.
With the help of our Federal Student Loan Subsidy Specialists, you will be able to take advantage of every
eligible debt reduction program you qualify for.
Learn more by watching this video
Gotzoom has helped participants save
an average of $468 in monthly payments or $5,616 per year for up to ten years. A
total savings of $56,160.
Gotzoom Simplifies the Process for Reducing Student Loan Debt
GotZoom does not refinance student loans. No Credit Checks, No New Loans.
To begin your free analysis, access your Gotzoom portal at:
https://gzenroll.com/cosb
Student Loan Relief For County of Santa Barbara Employees & Family Members
GotZoom can help
Let help you with a NO COST NO OBLIGATION ANALYSIS and see if you qualify for one of the Federal Student Loan Repayment and Loan Forgiveness programs.
Get started by accessing GotZoom through your Gotzoom County of Santa Barbara portal
Complete your user registration and schedule an appointment at your convenience with your Specialist.
A secure portal is provided for you to upload any required documents. You will need to electronically provide your most recent tax return and two most recent pay stubs.
Your loan specialist reviews the documents and prepares an analysis prior to your scheduled appointment.
You receive the analysis inclusive of all identified programs for which you are eligible at no cost to you.
Compare your total overall savings with the cost to use the GotZoom service. If it makes sense, take the next step.
If you wish to move forward with the GotZoom services, you submit a one-time discounted fee of $407 to GotZoom via ACH, credit or debit card.
GotZoom then creates a case file for you and submits your information to the US Department of Education (DOE). At that time, you will have access to a 60 to 90-day loan payment abatement program. This may allow you to stop making your monthly student loan payment for that period without fees or penalties. Once your new payment schedule is approved by the DOE you will start making your new lower payment. Gotzoom will then continue to monitor your plan, complete all required annual recertifications and make adjustments throughout the year should your personal circumstances change.
.
account retirement ready.
We also have informative updates for you regarding investments, expectations for the year ahead, service delivery improvements, and future objectives as we serve
our membership.
Please tune into our video presentation to learn more! Topics include:
a Are you thinking of retiring in 2022 and want to COBRA your insurance through SBCERS when you retire?
a How to be Retirement Ready.
a Purchase of Service Credit - Medical Leave, Extra-Help service prior to SBCERS membership, lay off, and redepositing withdrawn contributions.
a Keeping your account up to date, and how divorce or legal separation impact your account.
a Are you ready to plan your retirement date! A guide to your next steps.
a Important updates regarding investments, and expectations for the year ahead.
a Service delivery improvements, future objectives, and education opportunities.
a MySBCERS secure online portal: how to sign up and use this tool to stay up to date about your SBCERS pension account, run estimates, and more.
MORE QUESTIONS? EMAIL US AT BENEFITS@SBCERS.ORG.
WE LOOK FORWARD TO ASSISTING YOU!
Santa Barbara County Employees’ Retirement System www.sbcers.org
130 Robin Hill Road Suite 100 • Goleta, California 93117 • Phone 805-568-2940 • Fax 805-695-2755
2236 South Broadway, Suite D • Santa Maria, California 93454 • Phone 805-803-8686 • Fax 805-695-2755
I
Medicare Enrollment Help for You, Family, and Friends Nearing Age 65
Free Resource for Navigating the Medicare Maze Most people become eligible for Medicare at age 65. Medicare is the government run health insurance for people age 65 and older, younger people with disabilities, and people with End Stage Renal Disease.
Medicare can look like a complicated maze of choices, between Medicare Parts A–D, Medicare Advantage plans, and Medicare Supplement (Medigap) policies. That’s why we are introducing a resource to help you understand the different parts of Medicare, what is and isn’t covered, how Medicare works with employer coverage, and how to choose the best coverage for your situation.
Introducing Alliant Medicare Solutions
Alliant Medicare Solutions is a free resource for you, or any family members and friends who are nearing age 65. Alliant Medicare Solutions’ Licensed Insurance Agents can help you navigate the Medicare maze to find a plan that is right for you. Agents are contracted and certified in all 50 states to provide Medicare advice and an “A-rated” or better insurance carrier at competitive rates.
Why Is This Important?
There is a seven-month window to enroll in Medicare for the first time. This Initial Enrollment Period starts three months before you turn age 65 and ends three months after your birthday month.
This enrollment period is your first opportunity to sign up for Medicare Part A and/or Part B. This is also your first chance to enroll in a Medicare Advantage plan (Part C) or Part D Prescription Drug plan. If you don’t enroll in Medicare during your initial enrollment period or do not provide proof of insurance under another eligible plan, you may pay more for Medicare later on when you do enroll.
How Does It Work?
1. Call Alliant Medicare Solutions at (888) 312-1387 to speak to a Licensed Insurance Agent (Alliant Medicare Solutions is managed by Insuractive). 2. Discuss with Alliant Medicare Solutions:
• Your current insurance coverage • Types of coverage including Original Medicare, Medigap, Medicare Advantage, and
prescription drug plans • Which plans might work the best for you
3. Alliant Medicare Solutions helps you enroll immediately or emails the policy materials for you to review and enroll at a later date.
Where Can I Find Out More? • Watch Medicare 101 for an introduction to
Medicare and some important considerations in choosing the right plan.
• Download Your Guide to Medicare for more information about Medicare and services from Alliant Medicare Solutions.
For comprehensive information about Medicare, visit medicare.gov
Decisions related to healthcare and an individual’s enrollment in Medicare should be based on the specific circumstances of the individual and made in consultation with his or her own advisors. Alliant Medicare Solutions shall not have any liability for direct, indirect, incidental, special, exemplary, or consequential damages, under any theory of liability, whether in contract or tort, arising out of the use of Alliant Medicare Solutions. Alliant Medicare Solutions is not connected with or endorsed by the United States government or the federal Medicare program.
CLEAN COMMUTE PROGRAM
Save Money Reclaim Time Avoid Traffic & Stress Get Active Reduce your footprint
The County of Santa Barbara's Clean Commute Program makes it easy to:
Before you start your new commute, explore your benefits, ways to get to work, and strategies to get the most from your time and money.
2 Day Vacation Bonus
Pre-Tax Transit Fare Matching
Guaranteed Ride Home
C O U N T Y O F S A N T A B A R B A R A H U M A N R E S O U R C E S
Program Perks: Drive Less, drive clean, get rewarded.
Image Courtesy of Santa Barbara MTD
countyofsb.org/hr/clean-commute.sbc
Parking for Carpools & Vanpools
Earn up to two extra vacation days per year for using a sustainable commute mode at least 60% of the days you commute.
For employees that contribute at least $10/month in a Mass Transit pre- tax account, the County will match $10/month for bu