2018 BENEFIT GUIDE Connecting Your Benefits - Dart
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2018 BENEFIT GUIDE
Connecting Your Benefits
WELCOME TO YOUR 2018 BENEFITS!
At Dart, we know how important your
benefits are to you and your family. Each
TABLE OF CONTENTS
year, we work carefully to evaluate the
performance of our benefit plans. It’s our 1 How to Enroll
goal to ensure we offer and maintain a
benefits program that is affordable and 2 Benefit Basics
comprehensive for all employees. 3 Medical
This Benefit Guide provides an overview of
the benefit options available to you for the 4 Medical Plan Comparison
2018 plan year. Please take time to carefully
5 Medical Plan Examples
consider the information in this guide so you
can make informed decisions about your 6 How to Save Money on Your Healthcare
2018 benefit elections.
7 Ways to Save Money
One way each of us can impact the health
of our benefits program is by making 8 Supplementing Your Health Plan
wise choices about our healthcare. This
means getting an annual check-up and 10 Dental
taking advantage of our plans’ free in-
network preventive care. It means using 11 Vision
an Urgent Care center instead of going to
the Emergency Room and using generic 12 Flexible Spending Accounts
prescription medications instead of pricey
13 Life and Disability
brand-name drugs. These smart steps
over time will have a positive impact on the 14 Retirement Savings Plan
cost of our medical plans in future years.
By making wise choices about how you 15 Other Benefits
receive healthcare, you’ll help keep our
plans sustainable and affordable for both the 16 Benefit Contacts
company and for your family.
Get ready for your enrollment by visiting our website
at http://dartAE.myenrollmentinfo.com. This site
has important tools and resources to help prepare you
for your meeting with a Benefit Specialist.
Scan here with your smart
device to access the site.
2018 Benefit Guide
HOW TO ENROLL
2018 OPEN ENROLLMENT: JANUARY 29 – FEBRUARY 12
Get Personalized Enrollment Assistance
YOU MUST MEET WITH A BENEFITS
We are providing professional Benefit Specialists to SPECIALIST DURING OPEN ENROLLMENT IF
speak with you during Open Enrollment. They are YOU WANT TO :
available to help you understand the benefits package,
explain the many benefit options, answer questions and
enroll you in your 2018 benefits. Add or remove dependents
Enrollment is not mandatory, but if you would like
to make changes and enroll, you must speak with a
specialist. Enroll in new coverage
Making an Appointment
Look for posters at your location with more information
on how you can schedule your 30-minute session with
Enroll in any of the Unum
a Benefit Specialist. Note: Some locations will have on-
voluntary products
site meetings, while others will use the call center.
Please Be Prepared for Your Meeting
Before you meet with your Benefit Specialist, it is Set aside money in a Flexible
important that you get prepared. Use this enrollment Spending Account (FSA)
checklist to make sure you’re ready:
Read through this Benefit Guide to get Remove existing plans (except Unum
familiar with the many benefits available to plans. You must call Unum to cancel
you and your family. those plans.)
Write down questions you have for the
specialist. FOR EMPLOYEES WHOSE BENEFITS BEGIN AFTER APRIL 1, 2018
Collect your dependents’ information if Employees whose benefits begin after April 1, 2018,
you are adding them to your plans this will enroll in their benefits with a Benefit Specialist
year. You’ll need their full names, birth over the phone. Please be sure to review your Steps to
dates and Social Security numbers. After Enroll document provided in your new hire materials for
Open Enrollment, you will need to provide information on how to set up your appointment.
documentation to verify eligibility. We will
request documentation from you, so please
watch your home mail.
Decide on your beneficiaries. Some of our
benefits require you to provide beneficiary
information. Be sure to have full names
and dates of birth.
Dart Container 1
BENEFIT BASICS
DEPENDENT ELIGIBILITY QUALIFIED LIFE EVENTS
Your eligible dependents include: IRS rules state you may only make changes to your
• Your legal spouse, pre-tax benefit elections during Open Enrollment, unless
you have a Qualified Life Event (QLE). If you have a
• Children up to age 26, regardless of student status,
QLE during the year, you may be allowed to enroll for
including natural children, stepchildren and legally
coverage (if you previously waived coverage), add newly
adopted children (including children living with
eligible dependents or change your level of coverage.
you before the adoption is final) who are your
dependents or for whom you are required to provide You have 30 days from the date of the QLE to change
healthcare coverage under a Qualified Medical Child your elections by notifying your Human Resource
Support Order; and Department. We cannot process requests made more
than 30 days after a QLE occurs.
• Unmarried children of any age who are dependent
upon you for support when such children are
incapable of supporting themselves because of a THE IRS DEFINES THE FOLLOWING AS QLES:
disability or illness.
We will request dependent verification documents if you
are adding new dependents to the plan for 2018, so we
can ensure that only eligible dependents are enrolled.
Marriage, Involuntary loss
You must respond by the date provided in your packet or divorce or legal of coverage
your dependents will not have coverage. separation
Birth, adoption of a Relocation out of your
child, placement for plans’ service area
adoption or child
support orders
Ineligibility of a child who
becomes “over-age” (you
Death of an enrolled
are required to notify HR
dependent
when your child turns 26)
Change in spouse’s A significant increase in the
employment status cost of coverage or a
significant reduction of
benefits under your or your
spouse’s healthcare plan
This list is not inclusive. Please see Corporate Benefits
for a complete list. You will be required to provide
documentation to substantiate your QLEs.
2 2018 Benefit Guide
MEDICAL
Dart provides you with two different medical plan options through Dart Member Care (DMC): Standard and Premier.
Deductibles, copayments/coinsurance and annual PRESCRIPTION DRUGS
out-of-pocket maximums differ between the plans. You will automatically receive prescription drug coverage
However, both plans: when you enroll in a Dart medical plan. You simply pay
• Offer comprehensive coverage a flat copay amount when you fill a prescription. You do
• Provide a wide range of preventive care services at not have to meet a separate deductible. There are two
no cost to you options when filling prescriptions: retail locations or mail
order.
STAYING INSIDE THE NETWORK
It’s important that you stay inside Blue Cross and
Blue Shield of Michigan’s (BCBSM) Preferred Provider
Organization network, as you will pay less out of your
pocket. Doctors and facilities in the network have
agreed to only charge members a certain amount for
services. That means those outside the network may
charge you more and possibly make you pay for services
up front.
90-day supply of
If you need to find who is in the BCBSM network, 30-day or less prescriptions: maintenance medications:
retail locations
please visit www.bcbsm.com. mail order program
Mail order is for maintenance medications you take on a
HERE’S HOW THE PLANS WORK: regular basis. You never pay shipping and handling, and
your prescriptions arrive right at your doorstep. It’s easy
to get started:
• Online: Go to www.caremark.com. Once signed
in, click on “Start a New Prescription,” then click
“FastStart” to enter your information.
• Phone: Either you or your doctor can call (866) 260-
For certain healthcare 4646.
services, you pay only a
copay and that’s it! Services
Prescriptions are categorized in our plan by generic,
You pay nothing for eligible
in-network preventive care. subject to a copay will not be name brand preferred and name brand non-preferred.
subject to the deductible. CVS Caremark decides which drugs fall into which
categories by establishing a formulary list. This list
changes on a quarterly basis.
SUMMARY OF BENEFITS AND COVERAGE
The Summary of Benefits and Coverage
For services that require If your out-of-pocket costs (SBC) for each medical plan is available on
coinsurance, once you meet reach the annual maximum,
the deductible, BCBSM will DartCentral. These documents provide you
the plan pays 100% for
pay 80% for in-network eligible care the remainder
with in-depth detail on how the plans work
services. of the plan year. and what services are covered.
Dart Container 3
MEDICAL PLAN COMPARISON
DMC STANDARD DMC PREMIER
In-Network Out-of-Network* In-Network Out-of-Network*
Annual Deductible
$750 / $1,500 $1,500 / $3,000 $250 / $500 $600 / $1,200
(Employee / Family)
Coinsurance 20% 40% 20% 40%
Out-of-Pocket Maximum
$4,000 / $8,000 $8,000 / $16,000 $1,500 / $3,000 $5,000 / $10,000
(Employee / Family)
Preventive Care
• Well Child Care, annual $0 – covered in full Not covered $0 – covered in full Not covered
physicals, immunizations
• Mammograms, PSA $0 – covered in full 40% after deductible $0 – covered in full 40% after deductible
screening
Primary Care Physician Visits $25 copay 40% after deductible $15 copay 40% after deductible
Specialist Visits $35 copay 40% after deductible $25 copay 40% after deductible
Urgent Care $35 copay 40% after deductible $25 copay 40% after deductible
Chiropractic (20 visits / year) $25 copay 40% after deductible $15 copay 40% after deductible
Inpatient Services 20% after deductible 40% after deductible 20% after deductible 40% after deductible
Lab, X-ray, Testing 20% after deductible 40% after deductible 20% after deductible 40% after deductible
Emergency Room $150 copay + 20% after ded. $150 copay + 40% after ded. $100 copay + 20% after ded. $100 copay + 40% after ded.
Surgeon / Anesthesiologist 20% after deductible 40% after deductible 20% after deductible 40% after deductible
Maternity
• Initial Visit $25 copay 40% after deductible $15 copay 40% after deductible
• Delivery / Prenatal / 20% after deductible 40% after deductible 20% after deductible 40% after deductible
Postnatal Visits
• Hospital 20% after deductible 40% after deductible 20% after deductible 40% after deductible
Outpatient Rehabilitation
$25 copay 40% after deductible $15 copay 40% after deductible
• Physical
(Limitations vary per case. (Limitations vary per case. (Limitations vary per case. (Limitations vary per case.
• Speech
Please contact DMC.) Please contact DMC.) Please contact DMC.) Please contact DMC.)
• Occupational
Mental Health
• Inpatient 20% after deductible 40% after deductible 20% after deductible 40% after deductible
• Outpatient $25 copay 40% after deductible $15 copay 40% after deductible
Alcohol and Drug Abuse
Rehabilitation
• Inpatient 20% after deductible 40% after deductible 20% after deductible 40% after deductible
• Outpatient $25 copay 40% after deductible $15 copay 40% after deductible
Prescription Drugs (administered by CVS Caremark)
Retail 30-day supply
Generic $10 copay $5 copay
Name Brand Preferred $50 copay $30 copay
Name Brand
Non-Preferred
$75 copay $60 copay
Mail Order 90-day supply
Generic $20 copay $10 copay
Name Brand Preferred $100 copay $60 copay
Name Brand
Non-Preferred
$150 copay $120 copay
*The plan pays according to these coverage levels on out-of-network claims, but be advised that providers can balance bill the member the
difference between what the plan pays and the provider billed amount. That means you can owe more than the cost-sharing levels included
above. You can avoid balance bill issues by using in-network providers when you receive medical services.
4 2018 Benefit Guide
MEDICAL PLAN EXAMPLES
SINGLE PERSON WITH LOW UTILIZATION
PLAN EXAMPLES STANDARD PLAN PREMIER PLAN
Monthly premium $65.52 x 12 = $786.24 $122.30 x 12 = $1,467.6
4 Primary Care office visits $25 copay x 4 = $100 $15 copay x 4 = $60
1 generic maintenance
$20 copay x 4 = $80 $10 copay x 4 = $40
medication through mail order
Emergency room copay $100
1 Emergency room visit with Emergency room copay $150
$250 towards deductible
$500 in services $350 towards deductible
Owe 20% of remaining $150 = $30
Total Out of Pocket $1,466.24 $1,947.60
EMPLOYEE + 1 WITH ONE PERSON HAVING A MAJOR MEDICAL EVENT
PLAN EXAMPLES STANDARD PLAN PREMIER PLAN
Monthly premium $144.14 x 12 = $1,729.68 $264.26 x 12 = $3,171.12
6 Primary Care office visits $25 copay x 6 = $150 $15 copay x 6 = $90
2 Specialist office visits $35 copay x 2 = $70 $25 copay x 2 = $50
4 generic maintenance medications through mail
$80 copay x 4 = $320 $40 copay x 4 = $160
order
2 name brand preferred maintenance medications
$200 copay x 4 = $800 $120 copay x 4 = $480
through mail order
Deductible $250
Deductible $750 20% coinsurance $2,750,
One person on the plan had a $14,000 procedure
20% coinsurance $2,650 but out-of-pocket
maximum is $1500
Total Out of Pocket $6,469.68 $5,453.12
INTERVENTION
TESTS quit smoking H
PREVENTION IS KEY lose weight
CANCER
BLOOD
eat healthy
Preventive care services performed PRESSURE
identify depression
DIABETES
in-network are covered at 100%. CHOLESTEROL SCREENINGS
reduce alcohol use
avoid sexually
This means no money out of your MAMMOGRAMS AND COLONOSCOPIES transmitted diseases
pocket! Here are a few examples of
what is covered under preventive and
wellness services. Always reach out
to DMC if you have questions on what
services are covered.
VACCINATIONS REGUL AR VISITS
SUPPORT & ROUTINE
FLU, PNEUMONIA, MEASLES, SCREENINGS
POLIO, MENINGITIS AND OTHER DISEASES WELL-WOMAN, WELL-BABY AND WELL-CHILD FOR HEALTHY PREGNANCIES
Dart Container 5
HOW TO SAVE MONEY ON YOUR HEALTHCARE
HEALTHCARE BLUEBOOK FOR DMC PLAN MEMBERS CHOOSE WISELY
Healthcare Bluebook is an online tool that enables DMC When deciding which plan is right for you, you need to
plan members to find the best prices for the healthcare factor in how much you use the plan and how much you
services they may need. With Healthcare Bluebook, you want to pay out of your paycheck. If you don’t go to the
can shop for care so you get the most affordable care in doctor often, you can keep more money in your pocket by
your area from high-quality providers. choosing a low-cost plan. Both plans protect you against
When you search for care, you will see the “Fair Price.” catastrophic illness or injury and include limits on your
This is the price a smart healthcare consumer can expect out-of-pocket expenses.
to pay. A smart healthcare consumer researches these
DID YOU KNOW the price of a medical procedure from one facility to another can be different by hundreds
To decide which plan is right for you, look at your needs:
prices togodetermine which providers
visiting Fair Pricein their area
or even thousands of dollars? It’s true. Now you have the power to see these price differences and choose
where you for your medical procedures. In addition, facilities for certain offer
procedures the
could
earn you a reward!
best price for a specific procedure.
CONSIDER how you use your current medical plan,
In just minutes you can search, find, and save on medical costs. It doesn’t have to be a mystery anymore.
then think about your needs for the coming year.
COMPARE the costs of both plans. Make sure you
consider key benefits, such as deductibles and the
cost to see a physician or specialist.
FACTOR in how much you can afford to spend on
paycheck contributions.
There is also a “Patient Savings Check
Rating.”It Some
Out: doctors are
healthcarebluebook.com/cc/dart
better at saving you money when they refer you for tests
800-341-0504 ESTIMATE your expenses and plan to enroll in the
and surgery. You can save thousands of dollars by using Company Code:
dart Healthcare Flexible Spending Account (FSA) to pay
Healthcare Bluebook to find a doctor with a green Patient
Savings Rating. So if you don’t use Healthcare Bluebook your out-of-pocket healthcare expenses tax-free.
to find a doctor with a green Patient Savings Rating, you Talking with a Benefit Specialist can help you determine
could overpay by thousands of dollars. what plan best fits the needs of you and your family.
You can earn cash awards from Dart when you use
Healthcare Bluebook to find fair prices for certain
procedures, such as cataract surgeries, colonoscopies, CT
scans, MRIs, endoscopies and more.
2018 WELLNESS INCENTIVE PROGRAM
Visit https://healthcarebluebook.com/cc/dart. Simply
input your last name and date of birth to sign in. It’s that If you did not participate in the current
easy! You can also call (800) 341-0504. year, you can participate in 2018! The
enrollment for the program will begin in
April 2018.
USE THE APP! Install the Healthcare
Bluebook App from the Apple App Store
or Google Play. Use company code “dart”
to access custom content.
6 2018 Benefit Guide
WAYS TO SAVE MONEY
BLUE CROSS ONLINE VISITS (DMC PLAN MEMBERS) 90-DAY MAINTENANCE MEDICATION
Twenty years ago, who would have thought you could use (DMC PLAN MEMBERS)
your cell phone or computer to have a video discussion with This money-saving program through CVS Caremark helps
a doctor? Well, now you can! Blue Cross Blue Shield offers minimize prescription costs for both you and the company.
a benefit called Blue Cross Online Visits that allows you to If you regularly take a maintenance medication, you can use
have a phone conversation or live video chat with a licensed the 90-day refill program. Did you know by using this
physician. And you only pay $10 each time you use it. program you can save one copay every 90 days? It’s a
The benefit gives you access to online non-emergency great way to save money! For example, your generic in the
medical services anywhere in the US. You and your covered Standard plan would cost:
$30 $20
family members can see and talk to a doctor for minor 30-day supply 90-day supply filled
filled once a once at CVS pharmacy
illnesses, such as a cold, sore throat or the flu when your vs.
month or through mail-order
primary care doctor is not available. It is a great service to
use on weekends or after hours. It’s also convenient. You can choose to have your
medications delivered by mail right to your door with zero
You can connect with the program in one of three ways:
shipping costs or pick them up at any CVS pharmacy
(including those inside Target stores).
Download the BCBSM Online Visits app
If you aren’t using this program, what are you waiting for?
CVS Caremark can even call your doctor and get everything
started for you!
Visit bcbsmonlinevisits.com
HEARING AID DISCOUNT (VISION PLAN MEMBERS)
TruHearing® makes hearing aids affordable by providing
Call (844) 606-1608 exclusive savings to all VSP vision plan members. You can
save up to 60% on a pair of hearing aids with TruHearing.
Your dependents and even extended family members are
Be sure to add your BCBSM network health plan eligible, too.
information. You’ll also need to add the service key “BLUE.”
In addition to great pricing, TruHearing provides you with:
View more information about this great program on
• Three provider visits for fitting and adjustments
DartCentral.
• 45-day trial
• Three-year manufacturer warranty for repairs and
one-time loss and damage replacement
• 48 free batteries per hearing aid
Plus, with TruHearing you’ll get:
• Access to a national network of more than 3,800
hearing healthcare providers
• Straightforward, nationally-fixed pricing on a wide
selection of the latest brand-name hearing aids
• Deep discounts on batteries shipped directly to your
door
ONLY $10 PER VISIT! Learn more about this VSP Exclusive Member Extra at
www.truhearing.com/vsp or call (877) 396-7194 with
questions. You and your family members must mention
VSP.
Dart Container 7SUPPLEMENTING YOUR HEALTH PLAN
The Dart medical plans provide great coverage for you and your family’s general healthcare needs. Still,
everyone’s needs are slightly different. That’s where our voluntary benefit options come in! You can choose
these benefits to protect your family’s finances in case of an unforeseen injury or illness.
CRITICAL ILLNESS INSURANCE Covered Illness and Conditions:
If you were diagnosed with a critical illness today, would • Heart attack
your finances be there tomorrow? Statistics show that over • End stage renal failure
our lifetime the chances of being diagnosed with a critical • Stroke
illness are high. To protect your family and finances, Critical
• Benign brain tumor
Illness insurance is available through Unum.
• Coronary artery bypass surgery (25%)
Critical Illness insurance will pay you a lump-sum cash
• Cancer
benefit if diagnosed with a covered critical illness. The
coverage does not replace your medical benefits but is • Carcinoma in situ (25%)
designed to help meet expenses that are not normally • Major organ failure
covered under traditional health insurance. Employee, Plan Features:
spouse and child(ren) coverage is available.
• Coverage is portable. You can take your policy with
• Yourself: $5,000 to $30,000 in increments of you if you change jobs or retire.
$5,000 • Your premium gets “locked-in” at the age in which
• Spouse: $5,000 to $15,000 in increments of $5,000 you enroll.
• Child(ren): Automatically included at 25% of the • Wellness benefit of $50 for each covered person who
employee coverage amount receives preventive and wellness services during the
calendar year.
Reasons Why Americans Need Critical Illness Insurance Coverage
Someone suffers a
coronary event
every 29 seconds. 2
1.6 MILLION NEW CANCER CASES ARE DIAGNOSED EACH YEAR. 1
Critical illness costs cause more than 60% of all
bankruptcies although 78% of the individuals
who filed those cases had health insurance. 3
Someone suffers a stroke
every 45 seconds. 2
WHAT CAN YOU USE IT FOR?
• Copayments • Household bills
• Out-of-network costs • Clothing and food
A 25-year-old male non-smoker • Alternative/experimental • Lost income
treatments • Childcare
has a 24% chance of suffering a • Mortgage payments • Travel expenses
critical illness before 65. 4 • Car payments
SOURCES:
1
Susan G. Komen for the Cure, “Breast Cancer Statistics Made Easy”, October 2011. 2Centers for Disease Control, “A Public Health Action Plan to Prevent Heart Disease and Stroke”, December 2010.
3
American Association for Critical Illness Insurance, “The Real Risk that You’ll Have a Critical Illness”, September 2010. 4American Association for Critical Illness Insurance, “Study Reveals Risk of Having a Critical Illness
Before Age 65”, January 2010.
8 2018 Benefit GuideSUPPLEMENTING YOUR HEALTH PLAN
ACCIDENT INSURANCE HOSPITAL INDEMNITY
Accidents happen. On average, there are 13 unintentional With an average cost of $10,000 per hospital stay in
injury deaths and approximately 2,650 disabling injuries in the US, it’s easy to see why having hospital insurance
the US every hour. While you can count on your insurance coverage may make good financial sense. If you are
to cover medical expenses, it doesn’t always cover indirect admitted or confined to a hospital due to an accident or
costs that can arise from a serious, or even a not-so- illness, Hospital Indemnity insurance benefits can help
serious, accidental injury that occurs on- or off-the-job. You pay for out-of-pocket costs such as health insurance
may end up paying out of your own pocket for things like deductibles and copayments—or for anything that you
transportation to and from medical treatment, over-the- see fit. Features include:
counter medicine, dependent day care, copayments and • Guaranteed acceptance for you and other eligible family
deductibles. With Accident insurance through Unum, you members
will receive a lump-sum cash benefit to help you take care of
• Payments made directly to you, not your healthcare
those extra expenses or anything else you wish.
provider
Plan Features • Coverage is portable, meaning you can take it with
• Employee, spouse and child(ren) coverage is you if you leave the company
available
• Wellness benefit of $50 for each covered person who
• Since you own your Accident insurance, you can take receives preventive and wellness services during the
it with you if you retire or leave the company calendar year.
• Benefit payment amounts are determined by the
covered accident schedule of benefits, for example:
• Ambulance: $400 TALK WITH A BENEFIT SPECIALIST ABOUT
• Emergency room visit: $150 WHETHER THESE PLANS ARE RIGHT FOR YOU.
• Hospital admission: $1,000 THEY WILL ALSO BE ABLE TO PROVIDE YOU
• Imaging: $100 WITH YOUR SPECIFIC COSTS PER PAYCHECK.
Dart Container 9DENTAL
Dart offers dental coverage through Delta Dental. The plan allows you to go to any licensed dentist, but you can
save money by seeing an in-network provider. Because dental health is so important, the plan covers in-network
preventive dental services in full, without you having to pay a deductible.
To find an in-network provider, please visit www.deltadentalmi.com. When searching for a dentist online, be sure
to select the PPO or Premier networks.
PPO / PREMIER NETWORK OUT-OF-NETWORK*
Deductible (Individual / Family) $50 / $150 $50 / $150
Annual Maximum for Class I, II and III Services $1,500 per person $1,500 per person
Class I Preventive Services
Oral exams, x-rays, cleanings, emergency
0% – covered in full 0% – covered in full
palliative treatment, space maintainers, fluoride
treatments, sealants
Class II Minor Services
Fillings and crown repair, endodontics, oral 20% 30%
surgery, relines and repairs, periodontics
Class III Major Services
50% 60%
Bite guards, crowns, prosthodontics
Class IV Orthodontia Services
50% 50%
Children to age 19 only
Orthodontia Lifetime Maximum Per Person $1,500 $1,500
*Out-of-network dentists who are not contracted with Delta Dental may balance bill you for services.
How does balance billing work?
Since Dr. Jones isn’t in the
Dr. Jones charges $750 network, he has the right to bill you
for a crown. for the $150 difference - plus the
coinsurance you still have to pay.
Delta
Dental
plan On the other hand, if you visit an
in-network dentist, he or she has
The Delta Dental already agreed to charge the $600
plan will only cover that the plan covers for crowns, so
$600. there is no balance remaining.
10 2018 Benefit GuideVISION
Comprehensive vision coverage is available through Vision Service Plan (VSP), which has a national network
of participating doctors for you and your dependents to receive quality vision care and prescription eyewear. To
maximize your benefits, use an in-network provider. If you see an out-of-network provider, your benefits will be
reduced and you receive reimbursement only after you file a claim. Also, for services and frequency of benefits, the
dates are based on the plan year, not the calendar year.
To find an in-network provider, please visit www.vsp.com, select Find a VSP Doctor and then select VSP Signature Network.
IN-NETWORK OUT-OF-NETWORK FREQUENCY
Eye exams
Exam with dilation as necessary $10 copay $35 allowance Once every 12 months
Contact lens fitting and follow up Up to $55 copay; 15% discount Up to $55 copay; 15% discount
Lenses
$10 copay $25 allowance
Single vision
Bifocal $10 copay $40 allowance
Once every 12 months
Trifocal $10 copay $55 allowance
Lenticular $10 copay $125 allowance
Polycarbonate for children $10 copay N/A
Contact Lenses
Medically necessary Paid in full $210 allowance Once every 12 months
Elective $130 allowance $105 allowance
Covered in full up to $130 allowance;
Frames $60 allowance Once every 12 months
20% off balance
Laser vision correction 15-20% off retail price or 5% off promotional price N/A
5 Tips for Healthy Eyes
Schedule eye exams for If you smoke, quit!
your whole family. Smoking increases your
risk of cataracts. Be active. Regular exercise
can delay the onset of
age-related permanent
vision loss.
Wear sunglasses to Rest your eyes once every 20
protect your eyes from the minutes for 20 seconds while
sun’s UV rays. working at a computer.
Dart Container 11FLEXIBLE SPENDING ACCOUNTS
A Flexible Spending Account allows you to set aside DEPENDENT CARE FLEXIBLE SPENDING ACCOUNT
money to pay for expected annual expenses through A dependent care account allows you to use tax-free dollars
tax-free payroll deductions. By making tax-free to pay for the care of a young child or disabled family member
contributions, you reduce your taxable income, which who requires care while you work. If you are married, you can
means more money in your pocket. only use this account if your spouse is employed, is a full-time
• Healthcare FSA: You can set aside up to $2,650 to student for at least five months of the year or is disabled.
pay for eligible healthcare expenses You can pay for daycare expenses for children under
• Dependent Care FSA: You can set aside up to 13, disabled children, disabled parents, a disabled
$5,000 ($2,500 if you are married, filing separately) spouse or other relatives who qualify under Internal
to pay for eligible dependent day care expenses Revenue Code. Education expenses are not eligible.
For your FSA contributions to be considered eligible
HEALTHCARE FLEXIBLE SPENDING ACCOUNT for reimbursement, your provider must claim your
You may use this account for most medical, prescription payments as taxable income.
drug, dental and vision expenses that are not paid for
The Dependent Care FSA funds are only available
by your healthcare plans. Some examples include
to you as each payroll deduction is taken and your
deductibles, copayments, eyeglasses, contact lenses,
account is updated. The good news is that Flores has a
hearing aids, braces and other expenses allowed by the
“No-Wait” program, and you can receive an automatic
IRS.
reimbursement every pay period and you only have to
Certain over-the-counter (OTC) drugs are eligible for file one claim. There is no debit card for this account.
reimbursement through your Healthcare FSA with a
prescription. CLAIMS AND REIMBURSEMENT
Your entire election is available to you at the beginning Claims may be uploaded to your account online at www.
of the plan year. You will continue to fund the account flores247.com or by using the e-Receipt mobile app. You
through payroll deductions from each paycheck. may also submit for reimbursement via fax or mail.
Once enrolled, Flores & Associates will send you a debit Reimbursements will be mailed as a check to your home
card. The card allows you to pay for eligible expenses at address unless you add your direct deposit information on
the time services are rendered. You can still pay up front the website. If you use the debit card, you may use this
and submit paper claims as well. card at the point of purchase to access your FSA dollars.
$500 ROLLOVER FOR THE HEALTHCARE FSA
At the end of the plan year, if you have $500 or less left in your Healthcare FSA, it will automatically roll
over to the next year. You will have the opportunity to use this money and not lose it. However, you will
forfeit anything above $500.
DEADLINE FOR CLAIMS: Per the IRS, both FSAs are “use-it-or-lose-it.” If you do not use the money you have set aside
by the dates below, you will forfeit your remaining balance.
June 15, 2019 is the deadline to submit claims incurred
in the previous plan year for reimbursement from your
April March account. If you have a Healthcare FSA, up to $500
June
1, 2018 31, 2019 remaining from the previous plan year will roll over into
15, 2019 the new plan year. Any remaining Dependent Care
money will be forfeited.
You can incur eligible expenses for the
2018 FSA plan year.
12 2018 Benefit GuideLIFE AND DISABILITY
BASIC LIFE AND ACCIDENTAL DEATH AND DISMEMBERMENT LONG-TERM DISABILITY
(AD&D) A way to help full-time employees protect their finances in
Dart provides all employees with company-paid basic case of an unforeseen extended illness or injury is through
life and AD&D insurance. This is an automatic benefit our company-paid Long-Term Disability (LTD) insurance.
based on your annualized position-based pay level, and There is no cost to you, and you are automatically provided
there is no need to enroll. this benefit. LTD coverage begins after a 180-day waiting
period. The plan provides a monthly benefit of 60% of
SUPPLEMENTAL LIFE AND AD&D your wages (up to $6,000 a month) for as long as you are
To further protect your finances, we also offer you the disabled, up to normal Social Security retirement age. For
opportunity to purchase supplemental life and AD&D new hires, coverage for a pre-existing condition is limited
insurance for you, your spouse and your dependent children. during the first 12 months of coverage. Current employees
You can purchase coverage in the following amounts: have a five-day pre-existing condition limit.
• Yourself: $10,000 increments up to five times your
pay. Up to $200,000 without medical questions.
• Spouse: $5,000 increments up to 100% of your
election or $250,000. Up to $50,000 without
medical questions.
• Child(ren): $10,000 per child
Reasons to Have LIFE INSURANCE
Funeral expenses and loss of income can add to your loved ones’ burden. Don’t leave them unprotected.
Life insurance allows your loved ones time to grieve without financial worry.
AVERAGE COST OF A AVERAGE CREDIT CARD AVERAGE COST OF A
FUNERAL: $6,560 AVERAGE YEARLY EXPENSES FOUR-YEAR COLLEGE:
DEBT: $6,772
AVERAGE YEARLY COST FOR UTILITIES, HEALTHCARE $18,133
OF RENTING OR OWNING AND MISCELLANEOUS
A HOME: $16,803 CASH: $24,327
Dart Container 13RETIREMENT SAVINGS PLAN
Dart offers a retirement savings plan for our employees. Under this plan, also commonly known as a 401(k)
plan, you can save money toward your retirement on a tax-deferred basis. That is, you don’t pay federal or state
income taxes on your investment earnings until you withdraw the money and may choose to delay income taxes
on your savings. Details of the retirement savings plan are available on DartCentral.*
YOUR CONTRIBUTIONS DART CONTRIBUTIONS
Your 401(k) contributions are deducted from your Dart recognizes the importance of retirement
paycheck each pay period. You may defer a percentage savings. That is why the company also makes annual
of your pay each pay period with a maximum dollar contributions to your account. You will become eligible
amount of $18,500 for 2018 (indexed annually by the to receive company contributions beginning January 1 or
IRS). Additional catch-up contributions are available July 1 after you have completed one year of service.
beginning with the plan year you attain age 50. The
maximum catch-up amount is $6,000 for 2018 (indexed INVESTMENT OPTIONS
annually by the IRS). You may start, stop or change The plan offers many investment choices for your
your contributions at any time, beginning soon after savings. You may choose a target-date fund to have
you join the company. You may also transfer or roll over your investment allocation managed for you or choose
funds from a prior retirement plan or IRA. Information to divide your account among funds to personalize your
on how to get started is available on DartCentral* or investments. More information on investment options
by contacting the plan provider listed in the Benefit is available from the plan provider listed in the Benefit
Contacts on page 15. Contacts on page 15.
*Dart Properties employees should contact their HR
PRE-TAX OR AFTER-TAX OPTION representative.
You have the option to make either traditional (pre-tax)
or Roth (after-tax) contributions (or a combination of the
two). You are eligible for the Roth option regardless of
your income level. All employer contributions will be made
to the traditional (pre-tax) bucket.
TRADITIONAL 401(K) VERSUS ROTH 401(K)
Depending on your needs, these factors could help you decide which option is better.
TRADITIONAL 401(K) ROTH 401(K)
Your contributions go in before taxes Your contributions go in after taxes
You pay taxes on contributions
and earnings later
You pay taxes on contributions now
You may withdraw contributions at 59 1/2 years
old. You are required to withdraw at 70 1/2 years
old if you are no longer working
Qualified withdrawals are income tax-free (after
age 59 1/2 for workers who have maintained
You avoid paying taxes on however much you
their account for five years)
contribute in income every year
Your balance can be rolled over directly into a Your balance can be rolled over directly into a
rollover IRA when you leave the employer regular Roth IRA when you leave the employer
Makes sense if you think your tax bracket will lower in Makes sense if you think your tax bracket will be the
retirement or to reduce the current impact of payroll same or higher in retirement.
deductions on your take-home pay.
14 2018 Benefit GuideOTHER BENEFITS
EMPLOYEE ASSISTANCE PROGRAM out-of-pocket expenses. In the event of a covered loss,
ComPsych® GuidanceResources® Employee it replaces personal property without deduction for
Assistance Program (EAP) provides comprehensive depreciation.
EAP services to all Dart employees and their dependent MetLife Auto and Home also offers insurance for
family members. These services are provided at no cost rental homes, condominiums, boats, motor homes,
and are available 24 hours a day, seven days a week. motorcycles, snowmobiles and more.
The EAP can help you with the following: To apply for coverage, please call (800) 438-6388 or visit
• Emotional support with anxiety, depression, stress, www.metlife.com/mybenefits. Benefit Specialists do
grief, loss and relationship/marital conflicts not enroll you in this coverage.
• Work-life solutions surrounding finding child and METLAW GROUP LEGAL PLAN
elder care, hiring movers or home repair contractors,
MetLaw®, the group legal plan available through Hyatt
planning events and locating pet care
Legal Plans, makes things simple for you when you need
• Legal guidance/assistance with your most pressing the services of a qualified attorney. You get the attorney
legal issues, including divorce, adoptions, family law, you need at a cost that’s very affordable, with access
wills, trusts and more by telephone or in-person for advice on an unlimited
• Financial resources to help with retirement planning number of personal legal matters and representation for
and taxes, relocation, mortgages, budgeting, debt a wide variety of legal services.
and bankruptcy MetLaw could save you hundreds of dollars in attorney
ComPsych also offers EstateGuidance®, which allows fees for common legal services like estate planning
you to quickly and easily create a will and/or a living will documents (including wills and trusts), real estate
online. And it’s free. matters, identity theft defense, traffic offenses, family
Call (877) 955-7656 or visit online at www. law (including adoption and name change) and more.
guidanceresources.com (web ID: DART123). You can As a Dart employee, you have access to a convenient
also download the app from the App Store or Google payroll deduction for this plan.
Play. Just search “GuidanceResources Now.”
To enroll, please call (800) 438-6388 or visit www.
metlife.com/mybenefits. Benefit Specialists do not
METLIFE AUTO AND HOME INSURANCE
enroll you in this coverage.
Dart provides you the ability to payroll deduct MetLife’s
Auto and Home Insurance. This is a convenience for our PET INSURANCE
employees and a voluntary product offering. As a Dart
From regular preventive care to unexpected illnesses,
employee, you may qualify for discounts.
you can be reimbursed for veterinary expenses with
The Auto AdvantageSM feature goes beyond basic liability coverage from Nationwide. Receive a group discount
and collision coverage to offer you more complete when you sign up.
coverage and benefits, including replacement costs for
You can choose the amount of coverage that’s right for
total loss and special parts, enhanced rental car damage
you. The plan covers accidents and illnesses, including
coverage and more.
cancer. It reimburses for exams, testing, surgeries,
The homeowners products offer uncommon protection specified hereditary conditions and more with a $250
called Coverage A Plus, which is an optional benefit annual deductible. Wellness exams, vaccinations, flea/
with any Standard or Platinum Homeowners Policy. This heartworm preventives and more are covered at no
coverage is designed so that in the event of a loss, your deductible.
home would be fully replaced without you incurring extra
To enroll, please call (800) 438-6388 or visit www.
costs. MetLife also offers replacement coverage on
metlife.com/mybenefits. Benefit Specialists do not
home contents, so you aren’t surprised with unexpected
enroll you in this coverage.
Dart Container 15BENEFIT CONTACTS
BENEFIT PROVIDER PHONE NUMBER WEBSITE
Blue Cross and Blue Shield of
DMC Medical (800) 248-0457 www.bcbsm.com
Michigan
Prescription Drug CVS Caremark (866) 260-4646 www.caremark.com
Dental Delta Dental (800) 524-0149 www.deltadentalmi.com
Vision VSP (800) 877-7195 www.vsp.com
Flexible Spending Accounts Flores & Associates (800) 532-3327 www.flores247.com
Healthcare Bluebook Healthcare Bluebook (800) 341-0504 https://healthcarebluebook.com/cc/dart
Accident, Critical Illness,
Unum (800) 635-5597 www.unum.com
Hospital Indemnity
Life and AD&D Sun Life (800) 247-6875 sunlife-usa.com/planmembers
Long-Term Disability Lincoln Financial (800) 423-2765 www.lincoln4benefits.com
401(k) Plan Vanguard (800) 523-1188 www.vanguard.com/retirementplans
401(k) Plan – DCSC employees only Fidelity (800) 835-5095 www.401k.com
www.guidanceresources.com
Employee Assistance Program ComPsych (877) 955-7656
(web ID: DART123)
Auto and Home Insurance MetLife (800) 438-6388 www.metlife.com/mybenefits
Group Legal Plan MetLaw (800) 438-6388 www.metlife.com/mybenefits
Pet Insurance Nationwide (800) 438-6388 www.metlife.com/mybenefits
This guide contains a brief summary of your employee benefits. Complete descriptions of the plans are
contained in the plan documents. If there is any disagreement between this booklet or any oral description
of the plan and the wording of the corresponding plan document, the plan document will govern. Dart
Container reserves the right to modify, amend, suspend or terminate any plan, in whole or in part, at any time
and for any reason. The authority to make any such changes to the plan rests with Dart Container. Any such
modifications, suspension or termination of the plan shall be made by decision of Dart Container.
16 2018 Benefit GuideNOTES Dart Container 17
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