BENEFITS GUIDE March 1, 2019 - February 29, 2020 - JMT University
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BENEFITS GUIDE March 1, 2019 - February 29, 2020
CONTENTS
INTRODUCTION OTHER HEALTH BENEFITS
Welcome to JMT.......................................................3 Dental Plan..............................................................12
UltiPro Enrollment......................................................3 Vision Plan...............................................................13
Important Information................................................4 Life and Disability.....................................................14
Eligibility.....................................................................5 FSA Pre-tax Savings Programs................................15
HSA vs. FSA Chart..................................................16
MEDICAL BENEFITS
Commuter Benefit...................................................16
MyQHealth - Your Health Care Warrior.......................6
Healthcare Bluebook Transparency Tool....................6 ADDITIONAL BENEFITS
Medical Summary - Blue Plan....................................7 Employee Assistance Program................................17
Medical Summary - Consumer Advantage Plan.........7 LifeLock Identity Theft Protection ............................17
Prescription Drug Program.........................................8
COST AND CONTACTS
JMTScripts................................................................9
Employee Costs 2019.............................................18
TelaDoc Health..........................................................9
Wellness Program....................................................19
Health Savings Account...........................................10
Financial New Year, New You...................................20
CFA Value Added Services......................................11
Contacts..................................................................21
Glossary..................................................................22
Johnson, Mirmiran & Thompson [2] 2019-2020 Employee Benefits
WELCOME TO JMT
At JMT we care! Providing a comprehensive, competitive, and affordable
benefits package to you and your family is imperative to our overall well-
being culture. Our programs are instrumental in ensuring we continue TAKE ACTION
to recruit the best and the brightest while retaining those we hold most
valuable, all of you! • Review this Benefits
Guide
We are committed to the following objectives:
• Submit enrollment
• Maintain extremely competitive costs for our employees within 30 days of
• Offer outstanding benefit programs being hired via your
• Offer flexibility in program design UltiPro Life Event
Portal
• Maintain excellent service providers
• Promote a culture of well-being • Complete our
• Promote and encourage health care consumerism where possible Wellness Program
within 5 months of
With that, we present to you, our 2019 Benefits Overview Guide. Take the your benefit effective
time to learn more and find the plan that works best for you. date to ensure you
If you have any questions along the way, please don’t hesitate to contact don’t pay more for
Human Resources. Our contact information is at the back of this guide. your Health Care!
As always, we wish you and your family a happy, healthy 2019!
ULTIPRO ENROLLMENT
Making your enrollment elections is easy with our UltiPro
solution! Follow these easy steps below to get started:
1. Visit http://ultipro.jmt.com
2. Follow the prompts to login
- For login trouble, please contact Human Resources
3. From your home screen, select Menu > Myself > Life
Events > I am a new employee
4. Click on the I am a new employee and then simply
follow the directions on the pages from there. If adding
a dependent, you will be required to submit verification
of dependent status before your elections will be
approved. That verification must be uploaded under
the Employee Documents section, just under Life
Events.
Johnson, Mirmiran & Thompson [3] 2019-2020 Employee Benefits
IMPORTANT INFO For the 2019 - 2020 Plan Year
2019 ANNUAL MAXIMUMS
Health Care Flexible Spending Account $2,700
Limited Purpose Flexible Spending Account $2,700
Dependent Care Flexible Spending Account $5,000
Individual Health Savings Account contribution $3,500
Family Health Savings Account contribution $7,000
Health Savings Account catch-up amount (age 55 or older) $1,000
Commuter Benefits $265 (monthly)
401(k) deferral amount $19,000
401(k) catch-up contribution (age 50 or older) $6,000
Johnson, Mirmiran & Thompson [4] 2019-2020 Employee Benefits
ELIGIBILITY ** For Core Benefits
EMPLOYEE CORE BENEFITS
You (and any eligible dependents) are eligible for our Core • Medical & Prescription
Benefits if you are: • Dental
• An active full-time employee.** • Vision
• Part-time employees regularly scheduled to work 20 • Basic Life Insurance/Accidental Death &
hours or more per week are eligible for the benefits Dismemberment Insurance
indicated by the asterisk (*) under Core Benefits.
• Short Term/Long Term Disability Insurance
DEPENDENTS • Health Savings Account
The following are considered eligible dependents under our • Flexible Spending Accounts*
plan:
• Commuter Benefit*
• Your legal spouse (as recognized by the laws of the
state in which you married). • Supplemental Life Insurance*
• Dependent children up to age 26. • LifeLock*
• Your unmarried, disabled, dependent children of any • TelaDoc Health
age if they are ineligible for any other health insurance. • JMTScripts
• Employee Assistance Program*
**See Summary Plan Description for more details.
Johnson, Mirmiran & Thompson [5] 2019-2020 Employee Benefits
MYQHEALTH By Quantum Health
help you, your family, and your physicians work together to
YOUR OWN “HEALTH CARE WARRIOR” TO HELP YOU ensure proper care.
NAVIGATE THE HEALTHCARE SYSTEM!
TURN TO YOUR HEALTH CARE WARRIOR FOR HELP
Do you ever feel like the “healthcare system” is a complex WITH:
maze you can’t escape? Maybe even felt passed around • ID cards
from person to person or place to place just to find the • Claims, billing, and benefit questions
answers to your questions? We’ve all been there, but the • Prescription issues
good news is we have a solution in our partnership with • Finding in-network providers
MyQHealth! • Pre-notification/Pre-certifications required by the Plan
• New diagnosis care coordination
MyQHealth’s unique “Health Care Warrior” model is
• Nurse support to help you stay or get healthy
designed to help our employees and dependents covered
• Reducing your Out-of-Pocket costs
on our health plans in navigating their personal healthcare
• Healthcare Bluebook transparency tool
journey, no matter what that path entails. As an extension
• Anything that can make the healthcare process easier
of your JMT HR Team, your “Health Care Warrior” is your
personal concierge who empowers you to make smarter
decisions surrounding your care, connects you with
resources available through JMT, our insurance carriers and
in your local community based on your need. By overseeing CONTACT:
all aspects of benefits delivery, your “Health Care Warrior” PHONE: 888-984-8188
can help close your care gaps, intercept redundant, WEBSITE: www.myjmthealth.com
delayed, and questionable treatment in real-time and then
OUR GOAL: A MORE EFFICIENT AND COST-EFFECTIVE JOURNEY FOR BOTH YOU AND OUR PLAN.
HEALTHCARE BLUEBOOK Transparency Tool
Bluebook provides you with the best transparency tool to
FAIR PRICE & QUALITY SERVICE! make the most of how you spend your healthcare dollars.
Plus, your MyQHealth “Health Care Warrior” can help
Members enrolled in one of our health plans have a you navigate through this awesome tool.
transparency tool available to help you save money while BONUS: Shop for a green provider online with Healthcare
receiving the highest quality healthcare! Cost and quality of Bluebook for one of the named services and you could
healthcare services can vary significantly within the same be eligible for a cash reward ranging from $25-$100!
“Go green to get green!”
provider network and market. Healthcare Bluebook allows
you to search by procedure to find providers and facilities
in your area and uses an easy to understand color coded
ranking of their services based on cost and quality. Facilities
are ranked using standard “traffic signals” by green, yellow CONTACT:
and red signs indicating the price or quality of the services PHONE: 888-984-8188
according to industry standards. Green means go, yellow WEBSITE: www.myjmthealth.com
proceed with caution, red…. Stop and reconsider. Healthcare Company Code: JMT
Johnson, Mirmiran & Thompson [6] 2019-2020 Employee Benefits
MEDICAL BENEFITS SUMMARY
Through CareFirst Administrators (CFA)
BLUE PLAN CONSUMER ADVANTAGE PLAN
GENERAL PLAN PROVISIONS IN-NETWORK OUT-OF-NETWORK IN-NETWORK OUT-OF-NETWORK
$500 / Individual $1,500 / Individual $1,350 / Individual $2,600 / Individual
Deductible (Ded.) $1,000 / Family $3,000 / Family $2,700 / Family $5,200 / Family
(Stacked Ded.)* (Stacked Ded.)* (Unstacked Ded.)** (Unstacked Ded.)**
Co-insurance Percent
80/20% 60/40% 90/10% 70/30%
(JMT Plan/Employee)
Out-of-Pocket Maximum
$2,000 / Individual $4,000 / Individual $2,600 / Individual $5,000 / Individual
(Includes copay, deductible and $4,000 / Family $8,000 / Family $5,200 /Family $10,000 / Family
co-insurance)
PREVENTATIVE SERVICES
Wellness Screenings (Test and
100% 60/40% 100% Ded., then 70/30%
Readings)
Well Child Care (ages 0-17) 100% 60/40% 100% Ded., then 70/30%
Adult Physical (ages 17+)
Including GYN and Cancer 100% 60/40% 100% Ded., then 70/30%
Screenings
OFFICE VISITS, LABS &
TESTING
Primary Care Visit $25 copay Ded., then 60/40% Ded., then 90/10% Ded., then 70/30%
Specialist Visit $25 copay Ded., then 60/40% Ded., then 90/10% Ded., then 70/30%
X-ray and Lab Test Ded., then 80/20% Ded., then 60/40% Ded., then 90/10% Ded., then 70/30%
URGENT CARE &
EMERGENCY ROOM
Urgent Care Center $40 copay Ded., then 60/40% Ded., then 90/10% Ded., then 70/30%
Emergency Room 80/20% 80/20% Ded., then 90/10% Ded., then 90/10%
HOSPITALIZATION
Inpatient Facility Ded., then 80/20% Ded., then 60/40% Ded., then 90/10% Ded., then 70/30%
Outpatient Facility (Freestanding) Ded., then 80/20% Ded., then 60/40% Ded., then 90/10% Ded., then 70/30%
Inpatient Physician Services Ded., then 80/20% Ded., then 60/40% Ded., then 90/10% Ded., then 70/30%
Outpatient Physician Services Ded., then 80/20% Ded., then 60/40% Ded., then 90/10% Ded., then 70/30%
MENTAL ILLNESS /
SUBSTANCE ABUSE
Inpatient Facility Ded., then 80/20% Ded., then 60/40% Ded., then 90/10% Ded., then 70/30%
Office Visits $25 copay Ded., then 60/40% Ded., then 90/10% Ded., then 70/30%
PRESCRIPTION DRUGS
Generic/Preferred/Non-Preferred
$10 Generic /$30 Preferred Brand /$50 Non-Preferred
Retail Pharmacy (34-day supply) Brand
Ded., then $10/$30/$50
Retail & Mail Order (90-day
$20/$60/$100 Ded., then $20/$60/$100
supply)
Please note that JMT’s Plan Year is March 1 - February 29 of each year. The deductible and out-of-pocket accumulators will re-set each March 1st.
*Stacked Ded: If family coverage, one member may stop at individual deductible maximum while others make up the remaining family unit deductible maximum.
**Unstacked Ded: If family coverage, the full family deductible maximum may apply to one member. No individual maximum applies.
Johnson, Mirmiran & Thompson [7] 2019-2020 Employee Benefits
PRESCRIPTION DRUG PROGRAM
Through Express Scripts (ESI)
Our Prescription Drug Program is administered through Express Scripts (ESI). ESI has a network of pharmacies that allows
for wide access in your local community & across the country. You may receive a 90-day supply of medication from ESI’s
Home Delivery pharmacy for a reduced mail order copay. Accredo is ESI’s specialty pharmacy, providing individualized therapy
management solutions for a wide range of complex conditions. For a complete list of conditions or for more information, call them
at 877-895-9697 or visit Accredo.com.
It’s no surprise that the cost of prescription (Rx) medications are at their highest levels across the United States and JMT is not
immune to those cost impacts. We have implemented two programs that are designed to help our plan save on our prescription
spend by dispensing lower cost alternative medications, where applicable.
GENERIC INCENTIVE PROGRAM
For any prescriptions (Rx) filled, where a generic drug is available, the plan will cover the generic drug cost, with you still paying
your employee portion. However, if the employee or dependent chooses to fill the Rx with the brand name drug, the employee or
dependent will pay the brand name co-pay PLUS the difference in the total cost of the drugs between the generic version and
the brand version of the medication (Should your physician write the Rx as “Dispense as Written,” this will not apply).
STEP THERAPY
Step Therapy is a program that lets you get the safe and effective treatment you and your family need. In step therapy, drugs are
grouped in categories, based on treatment and cost:
• First-line drugs – the first step – are generic and lower-cost brand drugs proven to be safe, effective and affordable. Step
Therapy suggests that you should try these drugs first because in most cases they provide the same health benefit as
more expensive drugs, but at a lower cost.
• Second-line drugs – the second and third step drugs – typically brand-name drugs best suited for the few patients who
don’t respond to first-line drugs. Second-line drugs are the most expensive options.
WHAT DO I DO?
• Review the FAQ’s below
• Talk to your doctor to see if a generic drug is a good option for you.
CONTACT:
• Research our $0 copay JMTScripts program at www.JMTScripts.com PHONE: 888-984-8188
(see page 9).
WEBSITE: www.myjmthealth.com
FAQ’S: HOW DOES THE RX PLAN WORK?
Members are allowed one 34-day supply fill at Retail and then all refills must be filled by Accredo, ESI’s Specialty
Specialty Drugs
Pharmacy. For more information, call 877-895-9697 or visit Accredo.com.
Members can fill a 34-day supply at any in-network retail pharmacy without penalty. Members have the option
Mail Order to fill a 90-day supply for their maintenance medications at a participating maintenance retail pharmacy (and will
pay the equivalent of the Home Delivery copays).
Johnson, Mirmiran & Thompson [8] 2019-2020 Employee Benefits
JMTSCRIPTS Through CRX International
prescribed medication for at least 30 days – this is to
YOU MAY BE ELIGIBLE FOR FREE MEDICATION ensure you have not experienced any complications
with the medication.
Are you on a brand name maintenance medication? • Ask your doctor for a prescription for a 3-month
Through JMTScripts you will be able to receive certain supply with 3 refills.
brand name maintenance medications FREE! • Request your doctor to fax your enrollment form
and prescription directly to JMTScripts OR mail your
ADVANTAGES OF JOINING THE JMTSCRIPTS original prescription and completed enrollment form to
PROGRAM JMTScripts.
• $0 copay for 3 months supply for all prescriptions • Include a new prescription for each medication being
offered through the program ordered.
• Prescriptions shipped directly to your home with no • CRX will call you prior to each refill to ensure that you
shipping and handling costs have a continuous supply of medications.
• No out-of-pocket expenses
HOW DOES IT WORK?
• Review the formulary list of brand name prescriptions
to determine if any of your current medications are CONTACT:
available through this program. PHONE: 1-866-488-7874
• Before ordering through JMTScripts, you or your FAX: 1-866-215-7874
doctor must attest that you have been taking your WEBSITE: www.JMTScripts.com
TELADOC HEALTH 24/7/365 Access to a Doctor
TelaDoc Health gives you 24/7/365 access to U.S. GET THE CARE YOU NEED
board-certified doctors who can treat many of your Teladoc doctors can diagnose, recommend treatment, and
medical issues by phone or video. It is not insurance but prescribe medication for many medical issues, including:
an added medical benefit that gives you and the plan an
affordable alternative to costly urgent care or emergency • Cold and flu symptoms • Urinary tract infection
room visits. • Bronchitis • Respiratory infection
• Allergies • Sinus problems
Full-time employees enrolled in one of our health plans are
• Poison Ivy • Ear infection
eligible to use this service with the following co-pays:
• Pink eye • and more!
Blue Plan $10 copay
If appropriate, the Teladoc doctor can write a short-term
Consumer Advantage Plan $49 copay prescription and have it sent to the pharmacy of your
choice.
WHEN TO USE TELADOC
For non-emergency medical issues (especially as an
alternative to the high cost of an emergency room or urgent
CONTACT:
care center). Teladoc doctors return calls in 16 minutes on
average. There is no time limit to your consult. PHONE: 1-800-Teladoc
WEBSITE: www.Teladoc.com
Johnson, Mirmiran & Thompson [9] 2019-2020 Employee BenefitsHEALTH SAVINGS ACCOUNT Through PayFlex
A Health Savings Account (HSA) is an actual tax- • Money saved in an interest bearing account.
advantaged savings account available to those electing
• Optional cash-out feature (taxes may apply).
the Consumer Advantage Plan. When considering the
HSA option, think of this as a long term savings plan to be To be eligible to enroll in the HSA, you must meet all of the
used not only for current, but future medical care expenses. following:
Similar to a retirement plan, this program is designed with
the following benefits: • Must be covered under a High Deductible Health Plan
(HDHP / Consumer Advantage Plan).
• Money goes in the account through pre-tax payroll
deductions. • Can not be covered under another non-HDHP*.
• Unused funds in your account rollover and accumulate • Can not be enrolled in Medicare.
year after year. • Can not be a dependent on another person’s tax return.
• You can use your HSA to pay for qualified medical
*Other health insurance does not include: specific disease or illness
expenses such as deductibles and prescription costs;
insurance, accident, disability, dental care, vision care and long-term care
dental and vision expenses.
insurance.
• Employee owns the funds in the HSA.
LEARN MORE ABOUT THE HSA & FSA HERE!
https://payflex.jellyvision-conversation.com
If your spouse has an FSA, you are not eligible to open an HSA until the
end of your spouse’s FSA plan year, and it has a $0 account balance.
IMPORTANT HSA FACTS & FIGURES
• 2019 Contribution Limitations: Individual - $3,500. Family - $7,000.
• Approved IRS Additional Catch-up Contribution: Currently, the IRS allows people aged 55 to 65 (and older if not
enrolled in Medicare) to contribute an additional $1,000 per year for an Individual or Family HSA account.
• Changes from a High-Deductible Plan: If you cease to be enrolled in a high-deductible plan, the money in your HSA
account is yours to pay for qualified expenses with no time limit. However, you can no longer contribute any additional
funds.
• Important Documentation: It is highly recommended that you save all receipts in the case of an IRS audit so you can
explain why you believed a certain expense was a qualified expense.
• Important Note: If you use your HSA to pay for an ineligible expense, you may be required to pay income taxes and an
additional penalty tax.
Johnson, Mirmiran & Thompson [ 10 ] 2019-2020 Employee BenefitsVALUE ADDED SERVICES Through CFA
DISCOUNTS ON HEALTH & WELLNESS*
The following offers and discounts are available to all employees enrolled in the medical plan. For additional details on any of
the programs listed, visit www.carefirst.com/wellnessdiscounts and click on a service from the list provided. For more options,
click on the Blue365 link.
ALTERNATIVE THERAPIES & Discounts on chiropractic care, acupuncture, massage therapy, nutritional
WELLNESS counseling, personal training, yoga, guided imagery, spa services and more.
ELDERCARE SERVICES Referral services to help members find qualified providers through ElderCare.
Including home health care, home support, assisted living, adult day care, long
term care, nursing homes, and support groups for caregivers.
FITNESS CENTERS Discounts on membership fees, initiation fees and more depending on which
fitness network and location you choose.
HEARING CARE Free screenings, discounts on hearing aids and more.
LASER VISION CORRECTION &
Discounts on laser vision correction and patient financing with approved credit.
CONTACT LENSES
MEDICAL IDS Discounts on personalized medical ID bracelets and necklaces.
RECREATION & TRAVEL Enjoy savings on travel and leisure expenses.
WEIGHT LOSS Nationally recognized weight loss plan discounts.
* Offers vary throughout the year.
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Turn your be
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with uestions PHONE: 888-984-8188
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WEBSITE: www.myjmthealth.com
Johnson, Mirmiran & Thompson [ 11 ] 2019-2020 Employee BenefitsDENTAL Through Delta Dental
The best way to maintain your oral health is through a sound program of regular dental care. Our partnership with Delta Dental
offers a greater opportunity for you to receive cost savings to our plan and reduce your out-of-pocket costs using one of their
two nationwide provider networks.
• PPO Network – Offers the deepest discounts on services
• Premier Network – Offers a slightly lower discount on services
Although you may visit a dentist of your choice, be mindful that if out-of-network, the dentist has the ability to balance bill you
for services therefore increasing your out-of-pocket costs. Check with your dentist today to confirm their participation or visit
www.deltadentalins.com.
PLAN SUMMARY NETWORK: PPO & PREMIER
OUT-OF-
IN-NETWORK
NETWORK
Plan Year Maximum* $1,500
$25/Individual
Plan Year Deductible (Ded.)*
$75/Family
Orthodontic Lifetime Maximum
$1,200 per covered person
Limited to dependent children up to age 19
COVERED SERVICES PLAN PAYS
Preventive Services:
100% of **UC
Exams, X-rays, Cleanings, Fluoride Treatments, Sealants, etc.
Pregnancy Benefit:
1 additional cleaning
Periodontal Maintenance 100% of **UC
Sealing & Root Planning
Periodontal Surgery - up to 4 procedures
Basic Services:
Basic Restorative (Fillings, etc.), Emergency Palliative
Treatment, Endodontics, Non-Surgical Periodontics, Simple 90% of **UC, Ded. applies
Extractions, Surgical Periodontics, Complex Oral Surgery,
General Anesthesia and/or IV Sedation, etc.
Major Services:
Inlays, Onlays, Crowns, Prosthetics (Bridge, Dentures, etc.),
60% of **UC, Ded. applies
Periodontal Appliances, Dentures, etc.
Miscellaneous:
50% of **UC, Ded. applies
Night Guards
50% of **UC, Ded. applies
Implants
Orthodontics (Subject to lifetime maximum) 60% of *UC
* Preventive Care is on a calendar year. Maximums and Deductibles reset each March 1st.
**UC – Subject to Usual and Customary Fees
Johnson, Mirmiran & Thompson [ 12 ] 2019-2020 Employee BenefitsVISION Through EyeMed Vision Care
EyeMed consists of over 16,000 private practicing optometrists, ophthalmologists, opticians, and optical retailers. We have two
vision plan options, the Core Vision Plan and the Buy-Up Vision Plan. Both plans utilize the Access Network.
PLAN SUMMARY CORE VISION PLAN BUY-UP VISION PLAN
CALENDAR YEAR IN-NETWORK OUT-OF-NETWORK IN-NETWORK OUT-OF-NETWORK
Exam with Dilation Necessary $10 copay Up to $40 $10 copay Up to $40
Plan pays up to $130;
Eyeglasses & Frames* 35% off retail price* N/A you pay 20% off Balance Up to $65
over $130
Standard Plastic Lenses*
Single Vision Lenses $50 $10 Up to $25
Bifocal Lenses $70 N/A $10 Up to $40
Trifocal Lenses $105 $10 Up to $65
Lens Options*
Tint (Solid & Gradient) $15 $15
UV Coating $15 $15
N/A
Standard scratch-Resistant $15 $15
Standard polycarbonate $40 $40
N/A
Standard anti-reflective $45 $45 $40
Standard progressive $135 $10 Up to $88
$10 copay, 80% charge
Premium progressive N/A Up to $88
less $120 allowance
Other add-ons & Services 20% off retail price* 20% off retail price N/A
Contact Lens Fitting & Follow-up
Plan pays up to $115;
Conventional Contact Lenses 15% off retail price N/A you pay 15% off Balance Up to $92
over $115
Disposable Contact Lenses N/A N/A Plan pays up to $115 Up to $92
Medically Necessary Contact Lenses N/A N/A Plan pays 100% Up to $210
15% off retail price or 5% 15% off retail price or 5%
Lasik & PRK Vision Correction N/A N/A
off promotional price off promotional price
Members also receive a 40% discount off complete pair eyeglass purchases and a 15% discount off conventional
Additional Pairs Benefit contact lenses once the funded benefit has been used; does not apply to disposable contact lenses.
Exams are covered once every 12 months; standard plastic eyeglass lenses or contact lenses once every 12 months; frames once every 24 months.
* Under the Core Vision Plan, frame, lens, and lens option discounts apply only when purchasing a complete Pair of glasses.
FREEDOM PASS (Buy-Up Plan only)
Special offer from Sears® Optical and Target® Optical. For $0 out-of-pocket expense get any available frame, any brand — no matter
the original retail price point. You’re free to choose any frame in the store at no additional cost to you. OFFER CODE: 755288
CONTACTS BOOSTER (Buy-Up Plan only)
Save $20 off your next order of contacts (and free shipping!) above and beyond your regular contact lens benefit. Just create an
account at ContactsDirect.com using your EyeMed information and an extra $20 will be deducted at checkout.
Johnson, Mirmiran & Thompson [ 13 ] 2019-2020 Employee BenefitsLIFE AND DISABILITY Through Symetra
JMT pays 100% of the premium for your Basic Term Life, SUPPLEMENTAL LIFE FOR EMPLOYEES, SPOUSES
Accidental Death and Dismemberment (AD&D), Short Term
AND CHILDREN
Disability and Long Term Disability benefits. The information
below provides an overview of these benefits. Employees, both full-time and part-time regularly working at
least 20 hours per week, are eligible to purchase additional
BASIC TERM LIFE INSURANCE BENEFIT life insurance coverage for themselves, their spouse and
their children. Benefit will reduce to 65% at age 70, 40% at
Full-time employees receive $100,000 of Basic Life age 75, and 25% at age 80.
Insurance. This volume will be reduced based on age, in
accordance with our plan. Benefit will reduce to 65% at age For rate information, please visit UltiPro Open Enrollment.
70, 40% at age 75, and 25% at age 80 Employee Options: 5x annual salary (in increments of
$10,000) up to a maximum of $500,000
ACCIDENTAL DEATH & DISMEMBERMENT Spouse Options: Up to 50% of Employee’s benefit amount
If death is the result of an accident, your beneficiary will (increments of $5,000) up to a maximum of $250,000
receive an additional amount equal to your Basic Life Child Options: $10,000 per child
Insurance in force. If you are dismembered (such as loss of
sight in an eye, loss of a hand, foot, limb, hearing, speech, During open enrollment you can enroll or increase your
etc.), benefits will be paid to you as a percentage of the supplemental life insurance up to 2 increments (ex.
Basic Life amount. Employee $10,000 x 2 = $20,000) without Evidence of
Insurability provided you were not previously declined for
SHORT TERM DISABILITY supplemental life coverage.
Your family can count on your income while you are
healthy and employed, but it is important to plan for their EVIDENCE OF INSURABILITY
financial security in the event that you become disabled and If you enroll in the Supplemental Life Insurance program
unable to work. If you are injured due to a non-work related when you initially become eligible, you will not have to
injury or illness, you may be eligible to receive disability provide evidence of insurability unless you purchase more
benefits during your time away from work. If you are out of than $100,000 for yourself or $30,000 for your spouse.
work due to an accident, benefits begin immediately. If you
are out due to an illness, your benefits will begin on your If you elect not to purchase Supplemental Life Insurance
eighth day from your last day worked. The benefit is 60% when you initially become eligible and later decide to take
of your weekly earnings to a maximum of $1,000 per week. advantage of this benefit, you will be required to provide
Maximum benefit period is 26 weeks. evidence of insurability regardless of the amount of coverage
you elect.
LONG TERM DISABILITY
Should you be out of work for more than 26 weeks, you
may be eligible for our Long Term Disability benefits. The
benefit is 66 2/3% of your monthly earnings to a maximum
of $8,000 per month.
EMPLOYEE SUPPLEMENTAL LIFE INSURANCE RATES
AgePRE-TAX SAVINGS PROGRAMS
FLEXIBLE SPENDING ACCOUNTS
(FSA) Through PayFlex
To help you save money on health care and dependent HEALTH CARE FSA
care costs, we offer Flexible Spending Accounts. The
Health Care FSA’s offer employees the opportunity to
purpose of a Flexible Spending Account is to allow you to
pay for eligible out-of-pocket medical costs with pre-tax
set money aside on a pre-tax basis to cover expenses that
dollars. PayFlex has a complete list of eligible and ineligible
are not otherwise covered under traditional medical, dental
expenses on their website.
or vision plans.
• Your Health Care FSA annual maximum is $2,700.
THERE ARE THREE TYPES OF FLEXIBLE SPENDING
LIMITED PURPOSE FSA
ACCOUNTS AVAILABLE TO YOU:
A Limited Purpose FSA is very similar to the Health Care FSA,
• Health Care FSA
except there are less eligible expenses. You are not allowed
• Limited Purpose FSA (available only to those enrolled in to contribute to a HSA and a Health Care FSA. However,
the HSA) you can contribute to a HSA and a Limited Purpose FSA.
• Dependent Care FSA You may use your Limited Purpose FSA for eligible dental,
vision and over the counter expenses. You may NOT use a
HOW DOES AN FSA WORK? Limited Purpose FSA for any medical expenses, such as:
medical deductibles, copays and co-insurance.
• At the beginning of each plan year, employees elect
the pre-tax amount they will use for health care and • Your Limited Purpose FSA annual maximum is $2,700.
dependent care expenses which will be deducted in
equal increments from their paycheck. DEPENDENT CARE FSA
The dependent care FSA can be used for:
• The money is held in a separate account for each
employee until the employee submits an eligible • Child care expenses for children under age 13.
expense claim or uses their debit card.
• Children may be covered beyond the age of 13 if they
• Once a claim is submitted to PayFlex, they will reimburse are physically or mentally incapable of self-care.
you for the expense. • Adult day care expenses for dependents who you claim
on your income taxes that are mentally or physically
IMPORTANT NOTES unable to care for themselves.
• You must make a new election each year to You can only receive reimbursement for the amount that has
participate in the FSA. been deposited into the account. Both spouses must work
and/or attend school full-time in order to take advantage of
• The FSA plan year runs from March 1st – February 28th.
the Dependent Care FSA.
• You can roll over up to $500 of unused funds to the next • Your Dependent Care FSA annual maximum is $5,000
plan year (Medical FSA plans only). ($2,500 if you are married and filing as single).
• You have until May 30th to submit claims for expenses Dependent care accounts may not be used for:
incurred during the previous plan year.
• Overnight camps
• You must save all itemized receipts for FSA claim • Private school tuition
substantiation to PayFlex.
• Food, clothing, entertainment, field trips
Please note: Over-the-counter medicines and drugs are not covered
without a doctor’s prescription. Insulin and diabetic supplies do not • Sports lessons
require a prescription to be considered a qualified medical expense. • Registration fees
Over-the-counter items such as: braces and supports, contact lens
supplies and solutions, first aid supplies, and ostomy products are Please see IRS Publication 503 for a full listing of eligible dependents
other examples of items that do not require a prescription. and eligible expenses.
LEARN MORE ABOUT THE HSA & FSA HERE!
CONTACT: https://payflex.jellyvision-conversation.com
PHONE: 844-729-3539
WEBSITE: www.payflex.com
Johnson, Mirmiran & Thompson [ 15 ] 2019-2020 Employee BenefitsPRE-TAX SAVINGS PROGRAMS
HSA vs. FSA
Here’s another way you can compare the advantages of our pre-tax savings programs.
PLAN COMPARISONS
NAME OF ACCOUNT HEALTH CARE HSA HEALTH CARE FSA LIMITED PURPOSE FSA
Who owns the account? Individual/Employee Employer Employer
Employee Employee
Employee can contribute pre-
Typically the employee Typically the employee
Who funds the account? tax dollars through Section
contributes pre-tax dollars contributes pre-tax dollars
125 plan
through a Section 125 plan through a Section 125 plan
What plans may be offered Available only to those Available only to those
with the tax-advantaged enrolled in our Consumer Blue Plan or no health plan enrolled in our Consumer
account? Advantage Plan Advantage Plan
Is there a limit on the amount
Yes: Individual - $3,500*,
that can be contributed per Yes: Individual - $2,700 Yes: Individual - $2,700
Family - $7,000*
year?
Up to $500 of unused funds Up to $500 of unused funds
Can unused funds be rolled
Yes may be rolled over for use in may be rolled over for use in
over from year to year? the next plan year the next plan year
What expenses are eligible for
See IRS publication for all eligible medical, dental and vision 213(d) expenses.
reimbursement?
No, however you should hold
Must claims be submitted for Yes, however some claims Yes, however some claims
on to your receipts in the
substantiation? will auto substantiate will auto substantiate
event of an IRS audit
Yes, but taxed as income
May account reimburse non- and 20% penalty (no penalty
No No
medical expenses? if distributed after death,
disability, or age 65)
Is interest earned on the tax-
Yes, accrues tax-free No No
advantaged account?
* Age 55 and older may contribute an additional $1,000 per year
For more detailed information on the HSA: https://www.payflex.com/products-and-services/health-savings-account
COMMUTER BENEFIT
JMT offers a commuter benefit giving employees the opportunity to set aside pre-tax funds for transportation expenses such as:
• Parking
• Mass transit / Vanpooling
The 2019 IRS limit is $265 per month for each of the above.
For more information on included and excluded expenses, please visit www.payflex.com and login (or create an account), then
select Commuter Benefits.
Johnson, Mirmiran & Thompson [ 16 ] 2019-2020 Employee BenefitsEMPLOYEE ASSISTANCE PROGRAM
(EAP) Through Business Health Services (BHS)
Everyone occasionally experiences serious personal WHAT SORTS OF ISSUES CAN YOUR EAP ASSIST
problems. Locating the right assistance can be as confusing
YOU WITH?
as the problem itself. JMT provides an EAP from Business
Health Services (BHS) as a FREE benefit to you and your • Relationship concerns • Education and college
family. • Budget and debt planning
problems • Grief support
YOUR EAP IS CONFIDENTIAL
• Stress/Anxiety/ • Eldercare resources and
Your concerns remain private with the EAP therapist. The Depression referrals
EAP will not share your personal or private information with
JMT. • Anger management • Substance abuse
When you call the EAP, you will be connected to a counselor • Legal concerns • Work and life balance
who will help you clarify your problem, identify options, offer • Child care resources & • Life coaching
support and professional guidance, and help you develop referrals
an action plan. In addition, you have three face-to-face
visits per concern per year.
The EAP is not a full treatment program. If an interview with
the EAP counselor results in a referral to local counseling
services, these services will be reimbursed in accordance CONTACT:
with your existing medical benefits plan. PHONE: 800-327-2251
WEBSITE: www.bhsonline.com (Username: JMT)
IDENTITY THEFT PROTECTION Through LifeLock
Protect your personal information and defend against attacks
with 24/7, proactive identity theft protection from LifeLock.
From the doctor’s office to the online store, your information
is everywhere and identity theft is one of the fastest growing
crimes in the nation. That’s why LifeLock works around the
clock to keep your personal information safer and more
secure. Using advanced detection technology, their always- HOW TO ENROLL:
on service protects you from identity theft before it happens.
Over 8 million American’s fell victim to identity theft last year. 1. Go to www.yigenroll.com
Get constant and relentless protection. 2. Use the Group ID of JMT
Please visit www.yigenroll.com for detailed information on
your LifeLock plan options.
SEMI-MONTHLY LIFELOCK BENEFIT LIFELOCK LIFELOCK ULTIMATE
CONTRIBUTION ELITE ADVANTAGE PLUS
Employee $4.25 $8.49 $12.74
Employee &
$7.43 $12.74 $18.06
Child(ren)*
Employee &
$8.49 $16.99 $ 25.49
Spouse
Family* $11.68 $21.24 $30.81
* You may enroll up to 8 children with 4 of those children between the ages of 18 and 26.
Johnson, Mirmiran & Thompson [ 17 ] 2019-2020 Employee BenefitsEMPLOYEE COSTS 2019
SEMI-MONTHLY PAYROLL DEDUCTIONS
MEDICAL & Blue Plan Consumer Advantage Plan
PRESCRIPTION (Medical/Rx) (Medical/Rx) ADDITIONAL NON-
WELLNESS PREMIUM:
Employee Only $44.00 NO COST TO EMPLOYEES
An additional premium
of up to $2,000/year will
be added to the semi-
Employee + Child $110.50 $21.00
monthly premiums for
employees and spouses
Employee + Spouse $119.00 $22.50 (if applicable) who do not
complete the Wellness
Program. (see page 19 for
Family $182.00 $64.50 more information)
SHORT TERM LONG TERM BASIC LIFE &
DENTAL CORE VISION* BUY-UP VISION
DISABILITY DISABILITY AD&D
Employee Only $5.00 $0.00 $4.03
Employee + Child** $11.00 $0.00 $8.02
NO COST TO EMPLOYEES
Employee + Spouse $12.00 $0.00 $7.62
Family $16.00 $0.00 $11.77
* The Core Vision plan is 100% employer paid for those individuals who chose to elect this coverage
** The Vision plan covers Employee + Child(ren)
th
Heal
t o MyQ nefits CONTACT:
Turn your be
!
with uestions PHONE: 888-984-8188
q
WEBSITE: www.myjmthealth.com
Johnson, Mirmiran & Thompson [ 18 ] 2019-2020 Employee BenefitsWELLNESS PROGRAM Through MyQHealth
DEADLINE: WITHIN 5 MONTHS OF BENEFIT EFFECTIVE DATE
JMT values the health and well being of its employees. By While we understand this program is a choice, those who
completing two SIMPLE activities, a biometric screening do not participate and complete activities within 5 months
and preventive care screening, both you and your spouse of their benefit effective date will pay more for their health
(if eligible) can learn about any potential health risks early. insurance (up to $2,000/year). So, we hope you will choose
As we continue to face rising health care costs, we need to to join us as we collectively take on this challenge together.
explore viable options to control future health care costs,
which is why we need your help.
DON’T PAY MORE FOR YOUR HEALTH INSURANCE
STEP 1: Biometric Screening STEP 2: Preventive Care
Complete one from each step within 5 months of your benefit effective date:
Wellcare (Men & Women 18)
Visit a Quest Patient Service Center (Lab)
Example: Annual Physical
Submit Physician Lab Results Form from your
Breast Cancer Screening (Women 40+)
doctor
Colorectal Cancer Screening (Men & Women 50+)
Cervical Cancer Screening (Women 18+)
Complete Activities within 5 Choose Not to Participate within 5 Complete Activities Anytime After
months of benefit effective date months of benefit effective date Deadline
ü X
Additional Non-Wellness Premium
ü
Additional Non-Wellness Premium
(Up to $2,000/year) will stop
CONTACT:
PHONE: 888-984-8188
WEBSITE: www.myjmthealth.com
Johnson, Mirmiran & Thompson [ 19 ] 2019-2020 Employee BenefitsFINANCIAL NEW YEAR, NEW YOU!
401(K)
Now is also a good time to evaluate your 401(k) plan involvement. The IRS limit for 2019 is $19,000. If you turn age 50 or
older during the calendar year, you may make additional pre-tax (“catch-up”) contributions, the limit for 2019 is $6,000. This
opportunity can help you save more for retirement. Changes can be made at any time. Please remember to review your
401(k) account and select a beneficiary.
Get started in the new year with a FREE Financial 1 on 1 with our Retirement Plan Consultant:
HIGHTOWER FIDUCIARY PLAN ADVISORS
PHONE: 443-578-3211
EMAIL: 401KAdvisors@htfpa.com
CHECK UP ON YOUR RETIREMENT ACCOUNT:
Principal helps make it easy (and fun) with My Virtual
Coach: principal.com/MyVirtualCoach-Checkup
CONTACT:
PHONE: 800-986-3343
WEBSITE: www.principal.com
Johnson, Mirmiran & Thompson [ 20 ] 2019-2020 Employee BenefitsCONTACTS For Benefits
MOBILE APP
PLAN MEMBER SERVICES WEBSITE
AVAILABLE
Health Care Warrior - MyQHealth by
1-888-984-8188 www.myjmthealth.com R
Quantum Health
MEDICAL
Transparency Tool - Healthcare Bluebook 1-888-984-8188 www.myjmthealth.com R
Blue Plan - CareFirst Administrators
BlueCross BlueShield www.myjmthealth.com
1-888-984-8188 R
Consumer Advantage Plan - CareFirst www.cfablue.com
Administrators BlueCross BlueShield
Prescription Program - Express Scripts 1-888-984-8188 www.myjmthealth.com R
JMT Scripts - CRX International Drug
1-866-488-7874 www.jmtscripts.com
Program
Telemedicine - TelaDoc Health 1-800-Teladoc www.teladoc.com R
OTHER HEALTH BENEFITS
Dental - Delta Dental 1-800-932-0783 www.deltadentalins.com R
Vision Care - EyeMed 1-866-939-3633 www.eyemedvisioncare.com R
Health Savings Account - PayFlex 1-844-729-3539 www.payflex.com R
Flexible Spending Account - PayFlex 1-844-729-3539 www.payflex.com R
FSA & HSA Educational Resource - https://payflex.jellyvision-
N/A
Jellyvision conversation.com
LIFE INSURANCE AND DISABILITY
Life, AD&D and Disability - Symetra 1-800-796-3872 www.symetra.com
ADDITIONAL BENEFITS
www.yigenroll.com
Identity Theft - LifeLock 1-800-607-9174 R
(Group ID: JMT)
www.bhsonline.com
EAP - Business Health Services 1-800-327-2251
(Username: JMT)
401(k) - Principal 1-800-986-3343 www.principal.com R
401(k) Retirement Plan Consultant -
443-578-3211 E-mail: 401KAdvisors@htfpa.com
Hightower Fiduciary Plan Advisors
ADDITIONAL BENEFITS QUESTIONS
Direct: x 7777
JMT Human Resources jmthr@jmt.com
Outside: 443-662-4363
Johnson, Mirmiran & Thompson [ 21 ] 2019-2020 Employee BenefitsGLOSSARY OF TERMS
This glossary contains key words that appear in this overview. These terms and definitions are intended to be educational and
may be different from the terms and definitions in your plan. Some of these terms may not have the same meaning when used in
your policy or plan, and in any such case, the policy or plan governs. (See your Summary of Benefits and Coverage for information
regarding how to get a copy of your policy or plan document.)
ALLOWED BENEFIT DEDUCTIBLE
The amount established for payment of covered in- A fixed dollar amount during the benefit period - usually
network services. The Allowed Benefit will generally be a year - that an insured person pays before the insurer
lower than the amount charged. You are responsible starts to make payments for covered medical services.
for copayments, coinsurance and all charges that Plans may have both per individual and family deductibles.
exceed the Allowed Benefit for services received
out-of-network. This is called balance billing.
EVIDENCE OF INSURABILITY
A questionnaire that insurance companies use to ask
BALANCE BILLING about the health of a participant. Depending on the
When a provider bills you for the difference between responses, this may lead to the requirement of a physical
the provider’s charge and the carrier’s discounted exam. These forms are often used if you apply for
price (“Allowed Benefit”). For example, if the provider’s voluntary benefits outside of your initial eligibility period or
charge is $100 and the allowed benefit is $70, the if you apply for a coverage amount above the Guaranteed
provider may bill you for the remaining $30. An in- Issue amount.
network provider may not balance bill for the difference
between their charge and the Allowed Benefit.
GUARANTEED ISSUE
The amount of coverage (benefit) the insurance
COINSURANCE company is willing to provide regardless of your
The portion of the cost of covered medical services health. Guaranteed Issue only applies if you enroll in
paid by the patient under a health plan, after first the program when you are first eligible for coverage.
meeting any applicable plan deductible. Coinsurance
amounts, which are typically a percentage of the
cost, may vary by type of service. Coinsurance
requirements are specified in the plan documents. MAIL ORDER
A benefit that allows you to receive multiple months’
worth of maintenance medication by mail.
COPAYMENT
A set dollar amount or portion that you pay for your OUT-OF-POCKET MAXIMUM
medical services. Usually, copays start after you first pay
any deductible your plan has. Copays may differ by type The limit on the amount an individual is required to
of service. You can find your copay rules in your plan pay for health care services covered by his or her
documents. benefits plan. Look for this information in insurance
plan documents such as your Certificate of Coverage.
Johnson, Mirmiran & Thompson [ 22 ] 2019-2020 Employee BenefitsNOTES
Please Note: This booklet provides a summary of the benefits available, but this is not your Summary Plan Description (SPD). The Company reserves the right to modify,
amend, suspend, or terminate any plan at any time, and for any reason without prior notification. The plans described in this book are governed by insurance contracts
and plan documents, which are available for examination upon request. We have attempted to make the explanations of the plans in this booklet as accurate as possible.
However, should there be a discrepancy between this booklet and the provisions of the insurance contracts or plan documents, the provisions of the insurance contracts
or plan documents will govern. In addition, you should not rely on any oral descriptions of these plans, since the written descriptions in the insurance contracts or plan
documents will always govern.
JMT’S BENEFITS CONSULTANT:You can also read
