2021 Benefit Guide Grand Traverse County
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2021 Benefit Guide Grand Traverse County
2021 Employee Benefit Guide
At Grand Traverse County we take pride in providing a robust compensation package that
includes a comprehensive benefit plan to protect you and your family. This booklet will
provide a detailed look at the plans available to you. This guide is meant to be a summary
of benefits offered and does not include complete coverage details. For more information
on what each plan covers, see the individual plan summaries and contracts in Employee
Navigator.
Eligibility
Coverage is available to employees effective the first of the month following 30 days of
active employment who work a specified number of hours per week for medical, dental,
vision, accident and critical illness coverage. Life and disability coverage will become
active following 6 months of active employment. Employees should consult with Human
Resources to determine eligibility. If you wish, your dependents may also be covered under
the medical, dental and vision plans. Eligible dependents include:
Legal Spouse, as defined by federal law
MEDICAL: your children up to the end of the month they turn 26 regardless of marital
status, financial dependency, residency with the eligible employee, student status,
employment status or eligibility for other coverage.
DENTAL: your children up to the end of the calendar year in which they turn 19, or
your unmarried children who are eligible to be claimed as a dependent under the US
Internal Revenue code during the current calendar year, until the end of the year in
which they turn 25.
VISION: your children until they reach age 19 or 26 depending on the plan.
It is your responsibility to provide Human Resources with proof of your dependents’ eligibility
if required, in the form of: (a) your most recent Federal Income Tax Return, (b) Court Order
specifying your responsibility to provide “group health coverage” to your dependent, or (c)
a copy of the birth or marriage certificate.
Important Note Regarding Enrollment
You may only make a change to your benefit elections during the annual open enrollment
period unless you experience a “qualifying life event”. This includes, but is not limited to, a
change in marital status, the birth of a child, or a change in your eligibility status. If you do
experience a change, it is important to notify HR immediately.
Table of Contents Medical Insurance & Carrier Resources ………………………………..... 03 Health Savings Account (HSA) ………………………………................... 09 Dental Insurance ……………………………………………………………... 10 Vision Insurance ....…………………………………………………………… 11 Employer Paid Short Term Disability ……………............………………… 12 Employer Paid Long Term Disability ………………………………………. 12 Employer Paid Life and AD&D Insurance ……………………………….. 13 Employee Paid Life and AD&D Insurance ………………………………. 13 Accident Coverage …………………………………………………………. 14 Critical Illness ………………………………………………………………….. 14 Employee Assistance Program ……………………………………………. 15 Dependent Care Flexible Spending Account (FSA) ………………...... 16 GTC Wellness Program ……………………………………………………… 17 Payroll & County Holiday Calendars …………………………………….. 18 Online Enrollment Instructions ……………………………………………… 19
Medical with Priority Health
The medical plan available to you is a Health Maintenance Organization (HMO High
Deductible Health Plan) plan with a Health Savings Account (HSA), administered by Priority
Health. With an HMO plan, you are required to elect a Primary Care Physician (PCP) for each
member of your family. The HMO plan allows you to seek services from any provider within the
Priority Health network, however some services could require a referral or prior authorization.
Out of network services are not covered. Emergency Services are available worldwide at the
in-network benefit, so you do not need to be concerned if you experience an emergency
while traveling. Because Priority Health is a Michigan-based insurance company, you must
notify customer service if you have a dependent residing outside of the service area. Your
dependent(s) residing outside of the service area will utilize the Cigna network.
The Health Savings Account (HSA) component to your plan allows you to contribute pre-tax
funds in a savings account for use on qualified out of pocket expenses, such as your
deductible, copays, prescriptions, dental services and vision services and materials. There are
certain eligibility restrictions set by the Internal Revenue Service (IRS) that may not allow you to
contribute to an HSA, including if you are enrolled in Medicare or Medicaid. If you are unsure
of your eligibility to contribute, please reach out to HR.
Service Category Benefit
Deductible $1,400 for Single Coverage
non-embedded $2,800 for Family Coverage
Out of Pocket Maximum $2,000 for Single Coverage
non-embedded $4,000 for Family Coverage
Preventive Care 100%, Deductible Waived
MedNow Visit $45 before Deductible, then 100%
Office Visit Copay Covered 80% after Deductible
Specialist Copay Covered 80% after Deductible
Urgent Care Covered 80% after Deductible
Emergency Room Covered 80% after Deductible
Emergency Transportation Covered 80% after Deductible
Hospital Services Covered 80% after Deductible
High Tech Imagine Covered 80% after Deductible
Prescriptions Copay Applies after Deductible
Tier 1 $10 Copay
Tier 2 & 4 $40 Copay
Tier 3 & 5 $80 Copay
Mail Order (90 days) 2x the 30-day Retail Copay
Employee Cost per Pay
Full Time Single Coverage $47.31
Full Time Double Coverage $110.20
Full Time Family Coverage $133.57
Part Time Employees See 2021 Contribution Rate Sheet
3
Accessing Care with Priority Health
There are additional resources available to you to lower costs even more. Priority Health
takes proactive steps and provides multiple access points to ensure you are getting the care
you need for the lowest cost possible. If you need to see a provider, consider your options
and you may be able to save a few dollars.
24/7 Online Visits by MedNow ($45 before Deductible, then FREE)
Priority Health Member App l www.member.priorityhealth.com l (844) 322.7374
Online visits are available 24 hours a day, 7 days a week, 365 days a year.
Online visits make small visits to the doctor’s office a breeze and incredibly
convenient. You can speak with a local physician on the phone or video
message without leaving home or work or sitting in the waiting room at the
physician’s office. The provider you speak with can prescribe medication if
needed and will call it in directly to your pharmacy. Not only is it easy and
convenient, if they can’t treat you and need to direct you to care elsewhere,
they do not charge you!
Primary Care Visits (Deductible + Coinsurance)
If you prefer speaking with someone in person, always check with your Primary
Care Physician first. As with the 24/7 Online Visits by MedNow, your PCP will
know if they can help you or if you should seek care from Urgent Care or an
Emergency Room. You will need to follow up with your PCP following a visit to
the ER or Urgent Care anyway, so why not start there!
Urgent Care (Deductible + Coinsurance)
Sometimes you need immediate care that needs urgent attention, but isn’t
quite worthy of a trip to the ER. This could be a cut that needs stitches or
staples, significant pain or a sprain. Urgent Care is a great blend of primary
care and emergency care for a much lower cost than the emergency room.
Emergency Room (Deductible + Coinsurance)
When considering going to the Emergency Room make sure it truly is an
emergency and not something that could be handled through Urgent Care.
Emergency Rooms are very expensive and wait times are usually significant if
you are not experiencing a life or death situation. For emergency care think of
the three “B’s” : Bleeding, Broken, Breathing.
Priority Rewards (Priority Health Pays You)
Did you know Priority Health will PAY YOU to shop for your care? They will send a
Visa gift card if you shop and receive select services from a “green” trophy
provider as a reward for taking control of your care. Considering the difference
in cost between a hospital and outpatient facility could be thousands of dollars,
it’s worth taking the time to go online or call customer service. Not only do you
get a Visa gift card, but you also pay less out of pocket for deductible and
coinsurance expenses!
4
Priority Health Member Tools
As a Priority Health member, you have access to several comprehensive tools to assist in
getting the most value from your health plan. Not only are the tools convenient and easy to
use, they provide cost savings opportunities! Here are a few examples of the tools available
to you. If you have questions about these or other tools available to you, don’t hesitate to
reach out to customer service.
MedNow 24/7 Virtual Care Cost Estimator and Rewards
As a Priority Health member, you can get The Priority Health Cost Estimator tool
care from the comfort of your cabana, shows estimated out of pocket costs for
cubicle, college or couch. MedNow 24/7 hundreds of procedures and services
Virtual Care is delivered by providers from based on your health plan and
one of the top 15 health systems in the deductible. It also shows you how the
country. You can access MedNow (or price varies by location. Plus, with
MDLive if you are located outside of PriorityRewards, when you choose a
Michigan) by logging on to your Member lower-cost, high-quality facility, Priority
account or calling (844) 322.7374. You will Health will send you a Visa reward card.
have the option of scheduling an Rewards range from $50 to $200. It is
appointment, or holding for the next important to know you MUST shop to
available provider. qualify for a reward.
For quicker access to care, set up your
MedNow profile with your medical history
before you need it!
Medication Therapy Management Omada Pre-diabetes Care
If you take several medications for One in three adults have pre-diabetes or
multiple chronic conditions, get the help at risk of developing Type 2 Diabetes,
you need to understand your drugs and yet only 10% are aware of their risks. You
maximize your results while controlling can improve your health and your life
your out-of-pocket costs. Priority Health with Omada’s FREE diabetes prevention
provides a 30 minute face to face visit program. It’s sponsored by Priority
with a pharmacist to help you understand Health and totally free to you and any
your medications and suggest ways you other adults enrolled in your plan. It’s a
can simplify your regimen, maximize your proven way to reduce your risk of
results and potentially save money. developing Type 2 Diabetes by up to
Call customer service at the phone 71%!!
number located on the back of your ID You are eligible to participate if you
card to learn more! have a BMI over 25 and have been
diagnosed with pre-diabetes or at-risk
for developing diabetes. To join, go to
omadahealth.com/priorityhealth.
5
Priority Health Member Tools
Follow these step-by-step instructions to shop for care. Make sure you follow the steps all the
way to the end.
1 Start by logging into 2 Then, select the “Cost
the Priority Health Estimator” option.
app.
Once you are in the
app, select the “My
Health Care” option.
3 If you are shopping for 4 You can then enter
a procedure, select the procedure or
“A Procedure”. service you are
shopping for. Then
If shopping for a click the magnified
medication, select “A glass icon.
Medication”. As you
can see, only select
procedures are
rewardable.
5 Next, choose the 6 This screen will confirm
option that best your service or
describes the service procedure. It will also
or procedure you are note if the procedure
shopping for. requires prior approval
from Priority Health.
Select “Select a
Location” to proceed.
7 Look for locations that 8 The final screen will
have a trophy icon. provide an estimated
This will tell you if the cost after your
location is a low cost, benefits have been
rewardable provider. applied and will
Click on the remind you that the
underlined location for service is rewardable
more details, or select by showing the green
the tile to proceed. trophy and noting the
reward at the bottom
It is very important to in the black banner.
keep going to the next
screen!! Again, it is very
important that you
continue to this
6
screen.
Shopping for Care with Priority Health
Procedure Type Procedure Reward
Carpal Tunnel Surgery $100
Anterior cruciate ligament knee surgery (ACL) $200
Arthroscopic rotator cuff repair $200
Bone and Joint Knee arthroscopy $200
Shoulder arthroscopy $200
Total hip replacement $500
Total knee replacement $500
Doppler exam of the heart $100
Cardiac Heart echo imaging $100
Heart perfusion imaging $100
Colonoscopy (with and without biopsy) $100
Upper GI endoscopy (with and without biopsy) $100
Diagnostic
Sleep study $100
Cystoscopy $200
Most CTs $50
Imaging
Most MRIs $100
Nose plastic surgery (Rhinoplasty) $100
Lap band surgery $200
Nasal septum repair $200
Remove tonsils and adenoids $200
Outpatient
Ear tubes $200
Cataract surgery $200
Laparoscopic cholecystectomy $200
Lithotripsy $200
Bone density scan $50
Cesarean section delivery $200
Vaginal delivery $200
Women’s Health Hysteroscopy $200
Breast biopsy $200
Laparoscopy, excise lesions $200
Total hysterectomy $200
7
Shopping for Prescriptions
Are you paying too much?
Did you know that you can go to one pharmacy and be charged $18.85 for your
prescription, and go to a different pharmacy down the road and be charged $166.31 for
the same prescription? Costs may vary wildly in healthcare, which is why it's more important
than ever to shop around to be sure you're getting the best deal. Here is an example:
Drug Name Low Cost Pharmacy High Cost Pharmacy
Adderall $32.69 $212.00
Fluticasone Propionate $16.14 $79.00
Symbicort $204.48 $412.00
What can you do to reduce your cost? Compare!
There are a number of pricing tools available that you can access on your phone, through an
app, or online. The following websites and apps are fantastic, free tools to help you compare
prices, find drug discount programs and coupons, find financial assistance programs, review
lower cost alternative options and other cost savings tips!
Good Rx
One Rx
www.goodrx.com www.onerx.com
Michigan Drug Prices Medtipster
www.michigandrugprices.com www.medtipster.com
Check with your pharmacy to see if they have reduced prescription programs!
Here are a few popular pharmacies that offer free or reduced prescriptions.
Important Note!!!
Programs and prices are subject to change any time without notice. Please consult
with your pharmacy. Not all discount programs and coupons allow you to run your
prescription claim through your medical and pharmacy coverage. We
recommend having the pharmacist run the claim both ways to determine which
option is best for you. Note, if you do not run the prescription through your
insurance, you may not receive deductible and out of pocket credit on your plan.Health Savings Account
A Health Savings Account (HSA) combines high deductible insurance with a tax-favored
account. Money in the savings account can help pay the deductible, coinsurance and
copays for qualified expenses, including but not limited to, orthodontia, prescription drugs,
vision and dental services, and office visits. An HSA is considered a “first dollar” plan. This
means all services and prescriptions, aside from preventive services as defined by the ACA,
are subject to the deductible. Once the deductible is met, the insurance will pay. You can
payroll deduct pre-tax dollars into your Health Savings Account to help pay for these
services.
HSA Advantages
Triple Tax Advantage: Contributions are tax deductible (up to the IRS limit),
withdrawals to pay for qualified expenses are never taxed, and interest earnings
accumulate tax-free.
You own the account and control how the HSA funds are spent. Upon normal
retirement age, you can use the funds for Medicare Part B, C and D premiums as well
as non-medical expenses without penalty (subject to income tax).
Financial Institution
Health Equity will be administering the account and a debit card will be provided, as
well as online account management at www.healthequity.com, including the option
to set up automatic payments.
Priority Health sends your claim and out of pocket information to Health Equity,
allowing you to easily send payment to providers using their online member portal.
In 2021, you can elect up to $3,600 for single coverage, or $7,200 for family coverage.
There is an additional $1,000 catch up contribution for individuals age 55 or older.
Using your HSA at the Physician’s Office
Provide the physician’s office your Priority Health ID card. Do not pay anything at the
time of service! The physician’s office will submit a claim to Priority Health for
payment. If the service is billed as preventive it will be covered at 100% with no cost
to you. If the service is not billed as preventive, Priority Health will apply network
discounts and pay according to the benefits outlined in your plan.
You will receive an Explanation of Benefits (EOB) outlining how the claim was
processed by Priority Health. The EOB will show how much was paid and what your
out of pocket cost will be. The provider will then send you an invoice. Make sure they
are invoicing what is noted on the EOB.
Use your HSA to pay the physician. Make sure to save your receipt for tax purposes.
At the Pharmacy
Obtain a prescription from your doctor. At the pharmacy, present your Priority Health
ID card. The pharmacy will submit your claim to Priority Health. Priority Health will
apply the network discount and apply the charge to your benefits. The pharmacy will
then apply your out of pocket costs.
Use your HSA to pay for prescriptions at the point of sale. Again, make sure you keep
your receipt!
9Dental with Delta Dental
Dental coverage is provided for you and your family, administered by Delta Dental. Delta
Dental has one of the largest provider networks in Michigan so locating a participating dentist
should be a breeze. Because their network is so large, Delta Dental is able to negotiate lower
costs for dental services, making your annual maximum spread further.
Benefit Claim Example: Crown
Deductible None
Out of
Annual Network PPO Premier
$1,000 Network
Maximum
Lifetime Submitted
$1,000 $950 $950 $950
Ortho Max Charge
100%
exams, cleanings, fluoride,
Approved $675 $898 $744
Preventive space maintainers, brush biopsy,
emergency palliative treatment
and x-rays Coverage 75% 75% 75%
75%
fillings, crown repair, oral surgery,
Basic endodontics, periodontics, and Plan Pays $506.25 $673.50 $580.50
relines and repairs to bridges,
implants, & dentures
75%
Major crowns, bridges, implants, and
dentures You Pay $168.75 $224.50 $369.50
50%
Orthodontia
Up to age 19
Key Things to Know
Your plan utilizes the PPO and Premier Networks. The PPO network provides the lowest
out of pocket cost.
Seeking services from a PPO participating provider will lower your out of pocket costs
tremendously. Participating providers are required to accept the contracted payment
and are not allowed to balance bill you. They also accept a lower reimbursement,
meaning your annual maximum will last longer.
Employee Contributions Payroll Deduction (24 Pays)
Full Time Single Coverage
Full Time Double Coverage No Charge to Full Time Employees
Full Time Family Coverage
Part Time Employees See 2021 Contribution Rate Sheet
10Vision with EyeMed
Vision coverage is available through EyeMed. EyeMed is a well recognized vision carrier with
a strong network of providers in Northern Michigan ready to serve you.
Key Things to Know
Your plan utilizes the EyeMed Insight Network.
While your plan covers standard services, EyeMed offers incredible discounts on lens
options, additional pairs of glasses (including prescription sunglasses) and laser
correction surgery.
Progressive lenses, anti-reflective coating and scratch resistant coating are available to
you at with an additional cost.
20% off Non-prescription sunglasses
Average 15% off regular price laser correction surgery, or 5% off promotional price at
contracted facilities.
20% off remaining balance beyond plan coverage (in-network providers only)
EyeMed Benefit Payroll
Employee
Well Vision $10 Copay Deduction
Contributions
Exam Once Every 12 Months (24 Pays)
Materials $25 Copay (applies to lenses only) Full Time Single
$3.71
Coverage
40% off an additional pair of glasses
Full Time Double
Lenses Single Vision, Lined Bifocal and Trifocal & Lenticular $7.05
Coverage
Standard Polycarbonate for Children
Once Every 12 Months Full Time Family
$10.35
Coverage
Frames $130 Allowance
(+ 20% off remaining balance)
Once Every 12 Months
Contacts $0 Copay
$130 Allowance
(+ 15% off conventional contact lenses)
Once Every 12 Months
Grand Traverse County self-administers a vision reimbursement through the payroll process.
This plan is available to full time employees at no additional cost. Regular part time
employees are also eligible; however you are responsible for a portion of the premium. Please
refer to the 2021 Contribution Rate Sheet.
Service Grand Traverse County Benefit
Glasses Copay $7.50
Frames Reimbursed to a maximum $35.00
Lenses Reimbursed to a maximum
Single Vision $43, Bifocal $60 plastic / $70 glass, Trifocal $90 plastic / $100 glass
Contacts After a $7.50 copay, reimbursed to a maximum $78.00
Frequency Every 24 consecutive months from the last date of service
11Disability Insurance with Mutual of Omaha
Disability provides financial protection in the event you become ill or are injured and unable
to work for an extended period of time. You will receive a portion of your pay while you are
out of work so you can focus on healing and feeling your best.
Short Term Disability Long Term Disability
Minimum Minimum
None $100 / 10%
Benefit Benefit
Percentage of
Percentage of 60%
Monthly pay
Weekly pay 66.67%
Max Benefit $5,000
Benefits Start 180 Days
Max Benefit $3,500
Definition of
Benefits Start Injury: 8 Days 24 Month Own Occupation
Disability
Illness: 8 Days Benefits Age 65, SSNRA, or 3.5 years
Duration Whichever is longest
Benefits
Up to 26 Weeks
Duration
Pre-Existing Benefits are not payable for 12
Pre-Existing Condition months if you are diagnosed or
Condition None treated within 3 months prior to
the plan effective date
Key Things to Know
Maternity is considered an illness and benefit payments begin on the 8th day for Short Term
Disability. Your maternity benefit under the disability plan is not “maternity leave” and is in
place for the medically necessary recovery following childbirth. Please refer to the Grand
Traverse County policy, or HR, for details on maternity leave outside of your disability benefit.
Benefits are subject to medical necessity and serve as financial support in the event you are ill
or injured and unable to work. Medical documentation is required and benefits end once it is
determined you are able to return to work.
If you receive other income while on disability, your
disability benefits may be reduced.
If you expect your disability to keep you from working for
a significant amount of time that exceeds your Disability
benefit, it is recommended you apply for Social Security
Disability Income (SSDI) to provide continued income
replacement on a long-term basis.
Benefits are typically paid on a weekly basis for Short
Term and on a monthly basis for Long Term. Special
circumstances may apply for events such as childbirth.
12Employer Paid Life and AD&D
Grand Traverse County provides a life insurance benefit to you, at no cost, administered by
Mutual of Omaha. Please see Employee Navigator or Human Resources for more details.
Voluntary Life and AD&D
You also have the option to purchase life and accidental death and dismemberment
insurance coverage for yourself, as well as your spouse and child if you choose. The voluntary
portion of the plan is also administered by Mutual of Omaha.
Coverage Employee Spouse Child
Minimum Election $10,000 $5,000 $5,000
Increments $10,000 $5,000 $5,000
Maximum $50,000 or $10,000 or
$300,000 or
Election 100% of Employee 100% of Employee
5x Annual Salary
Election Election
Guaranteed Issue $150,000 $30,000 $10,000
Annual Buy Up $10,000 Not Applicable Always Guaranteed
Key Things to Know
• Accidental Death & Dismemberment provides an additional benefit in the event you are
seriously injured or die due to an accident.
• Life happens and sometimes we miss the small stuff. Make sure your beneficiary is up to
date. In the event you pass away your life insurance will be paid to the beneficiary most
recently noted.
• Spouse and Child life insurance is always paid to the employee unless they pass away at
the same time.
• If you end your employment with Grand Traverse County you have the option to continue
your life insurance.
• Premium for the additional life insurance is based on the amount you purchase and the
employee’s age. This can be viewed on the Mutual of Omaha benefit summary or
calculated when enrolling in Employee Navigator.
13Accident Coverage with Mutual of Omaha
Accident coverage provides a cash benefit if you are injured or require care due to an
accident. Employees can enroll themselves and their families, up to age 80 (age reduction
applies), and includes an additional $50 per person per calendar year benefit for those who
have a health screening test performed. Coverage is available for accidents that occur on
and off the job. A full summary of the benefits available to you is available on Employee
Navigator, however a sample list is noted below:
Sample Benefits include, but not limited to: Employee
Emergency Treatment $150
Hospital Admission $1,000
Physician Follow-Up (up to 6 per accident) $75
Therapy Services (i.e.. PT— up to 6 per accident) $25
Urgent Care Center $100
Lacerations $25 to $600
Wrist Fracture $450 or $900
Employee Contributions Payroll Deduction (24 Pays)
Single Coverage $7.22
Employee & Spouse Coverage $10.99
Employee & Child(ren) Coverage $13.65
Family Coverage $18.45
Critical Illness Coverage with Mutual of Omaha
Critical Illness coverage provides a lump-sum benefit payable for someone diagnosed with
any of the covered critical illnesses. A comprehensive list of covered critical illnesses can be
found in the plan summary on Employee Navigator. Coverage is available to you and your
family members and includes an additional $50 per person per calendar year benefit for those
who have a health screening test performed. There is also a “reoccurrence benefit” that
provides a onetime payable benefit for a subsequent diagnosis of that same critical illness.
The cost of the plan is determined by your age and the amount of coverage you purchase
and will be calculated for you in Employee Navigator.
Covered Critical Illnesses include, but not limited to:
Cancer Heart Attack
Stroke Coronary Artery Bypass Surgery
Cerebral Palsy (child) Type 1 Diabetes (child)
14Employee Assistance Program
Life’s not always easy. Sometimes a personal or professional issue can affect your work,
health and general well-being.
When facing life’s challenges, you often turn to family or friends for support. But sometimes
that’s not enough. Sometimes you need an experienced professional to talk with to know
you’re not alone.
Mutual of Omaha’s Employee Assistance Highly Trained, Experienced EAP Staff
Program (EAP) assists employees and their Our EAP staff members are all licensed,
eligible dependents with personal and job- master’s level Employee Assistance
related concerns, including: Professionals. They provide a solution-
focused approach by assessing your
• Emotional well-being situation and referring to the appropriate
resources necessary.
• Family and relationships
• Legal and financial What to Expect
• Healthy lifestyles When you call, you will speak directly to an
EAP professional to receive immediate
• Work and life transitions support and guidance.
EAP Benefits You can entrust your EAP professional to
As an employee, or eligible dependent, of assess your needs and handle your concerns
your company your EAP benefits include: in a confidential, respectful manner. Our
goal is to collaborate with you and find
• Access to EAP professionals 24 hours a solutions that are responsive to your needs.
day, seven days a week
• Information and referral service Your EAP benefits are provided through your
• Service for employees and eligible employer. There is no cost to you for utilizing
dependents EAP services. If additional resources are
• Robust network of licensed and/or needed, your EAP professional can assist by
certified mental health professionals locating affordable solutions in your area.
• Three face-to-face sessions with a
counselor (per household per calendar
year)
• Legal and financial resources
• Online will preparation EAP Consultation
• Legal library and online forms
• Financial tools & resources Mutual of Omaha’s
• Resources for: Employee Assistance
• Work/life balance Program provides
• Substance use professional, confidential
• Dependent and Elder Care quality consultation, 24
Resources hours a day.
• Access to a library of educational articles,
handouts and resources via mutualofomaha.com/eap
mutualofomaha.com/eap 1-800-316-2796
15Dependent Care Flexible Spending Account
A Dependent Care Flexible Spending Account is a pre-tax account funded through
employee elected payroll deductions to pay for dependent care expenses. To qualify, the
dependent care must be essential for you and your spouse to work, look for work, or attend
school full time.
How a Dependent Care FSA (DCFSA) Works
1. With a DCFSA, you are able to make pre-tax payroll contributions to pay for dependent
care expenses.
2. Determine the amount you would like to contribute for the year. The maximum annual
DCFSA election allowed is $5,000 per household. Any expenses exceeding $5,000 can be
claimed on your income tax filing.
3. Your annual DCFSA funds are not available upfront. Funds are only accessible as they are
deposited with each payroll deduction.
4. Pay dependent care costs out-of-pocket.
5. Submit expenses for reimbursement either through the HealthEquity member portal, or by
using the DCFSA Reimbursement form. Recurring DCFSA claims can be scheduled for the
duration of the plan year.
6. If you do not use all of your DCFSA election within the year, you have a 2.5 month grace
period that allows you to incur additional dependent care expenses for reimbursement.
All reimbursements for expenses incurred in the current plan year and during the grace
period must be submitted for reimbursement no later than 90 days after the end of the
plan year. The plan year runs January through December. Remember: if you don’t use it,
you lose it!
Qualified Dependents
Children under the age of 13
A spouse who is physically or mentally unable to care for him/herself
Any adult you can claim as a dependent on your tax return that is physically or mentally
unable to care for him/herself
Eligible Expenses
Babysitter inside or outside household Late pick-up fees
Before and after school or extended day Looking-for-work expenses
programs Nanny expenses
Custodial childcare or eldercare expenses Preschool or nursery school for
Day camps pre-kindergarten
Daycare centers Sick-child care center
Household employee whose services Summer day camps
16
include care of a qualifying personWILL U
GRAND TRAVERSE COUNTY wellness PROGRAM
join
TODAY?
The Grand Traverse County Health & Wellness Program,
administered by Marquee Health, offers confidential and
professional coaching for physical activity, nutrition, weight
HOW DO I GET STARTED?
management, smoking and tobacco cessation, stress Grand Traverse County employees can
management, sleep hygiene, heart health, finance connect with Marquee Health by:
management, healthy family habits, diabetes, general health • Phone. Call 1-800-882-2109.
and prevention, cancer resistance and prenatal wellness.
• Email. Email a Health Educator at
Our Health Educators will work with you to develop a personal coaching@marqueehealth.com.
action plan that includes: discussing your current health and • Web. Log into mymarqueehealth.com.
wellness interests; assisting you in developing a tailored New users will select ‘Click Here to
wellness plan, based on your individual health goals; providing Register’, enter the Code gtwellness
you with educational materials and guidance to support your then use your company email to create
wellness plan; and offering ongoing support and resources to a profile.
help you achieve your goals.
What RESOURCES ARE AVAILABLE THROUGH MARQUEE HEALTH?
A wide array of resources are available to you on the
Marquee Health website, at mymarqueehealth.com:
• Health Improvement Programs
• Wellness Newsletters
• My Rewards Incentive Program
• Personal Health Assessments
• On-Demand Wellness Videos
• Wellness Challenges
• Monthly Live Webinars
• Video or Web Chat Coaching Consultation
• Online Coaching Programs
• Wellbeing Place Blog
Phone 800.882.2109
Web mymarqueehealth.com
Email INFO@marqueehealth.comGrand Traverse County Payday & Holiday Calendar
2021
January February March
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October November December
S M T W T F S S M T W T F S S M T W T F S
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31
Holidays
Jan 1 New Year's Day Nov 25 Thanksgiving Day
Feb 15 President's Day Nov 26 Day after Thanksgiving
Apr 2 Good Friday Dec 23 Christmas Eve (Observed)
May 31 Memorial Day Dec 24 Christmas Day (Observed)
Jul 5 Independence Day (Observed) Dec 30 New Year's Eve (Observed)
Sep 6 Labor Day Dec 31 New Year's Day (Observed)
Nov 11 Veterans Day
Notes Holiday - may vary by Labor Group
January 18 - Martin Luther King Day
Paydays - are every other Friday
18ENROLL IN YOUR BENEFITS: One step at a time
Step 1: Log In
Go to www.employeenavigator.com and click Login
• Returning users: Log in with the username and password you selected.
Click Reset a forgotten password.
• First time users: Click on your Registration Link in the email sent to you
by your admin or Register as a new user. Create an account, and
create your own username and password.
Company Identifier: Grand Traverse
Please be aware that when first registering you will be required to provide your first name; last name;
Company Identifier; PIN (last 4 of SSN); and date of birth.
Step 2: Welcome!
After you login click Let’s Begin to complete your required tasks.
Step 3: Onboarding (For first time users, if applicable)
Complete any assigned onboarding tasks before enrolling in your benefits.
Once you’ve completed your tasks click Start Enrollment to begin your
enrollments.
TIP
if you hit “Dismiss, complete later” you’ll be taken to your Home Page. You’ll still
be able to start enrollments again by clicking “Start Enrollments”
Enrollment Instructions
Step 4: Start Enrollments
After clicking Start Enrollment, you’ll need to complete some personal &
dependent information before moving to your benefit elections.
TIP
Have dependent details handy. To enroll a dependent in coverage you will need
their date of birth and Social Security number.
19Step 5: Benefit Elections
To enroll dependents in a benefit, click the checkbox next to the dependent’s
name under Who am I enrolling?
Below your dependents you can view your available plans and the cost per
pay. To elect a benefit, click Select Plan underneath the plan cost.
Click Save & Continue at the bottom of each screen to save your
elections.
If you do not want a benefit, click Don’t want this benefit? at the
bottom of the screen and select a reason from the drop-down menu.
Step 6: Forms
If you have elected benefits that require a beneficiary designation,
Primary Care Physician, or completion of an Evidence of Insurability
form, you will be prompted to add in those details.
Step 7: Review & Confirm Elections
Review the benefits you selected on the enrollment summary page
to make sure they are correct then click Sign & Agree to complete
your enrollment. You can either print a summary of your elections
for your records or login at any point during the year to view your
summary online.
TIP
If you miss a step you’ll see Enrollment Not Complete in the
progress bar with the incomplete steps highlighted. Click on any
incomplete steps to complete them.
Step 8: HR Tasks (if applicable)
To complete any required HR tasks, click Start Tasks. If your HR
department has not assigned any tasks, you’re finished!
Enrollment Instructions
You can login to review your
benefits 24/7
20Carrier Contact Information
Line of Coverage Carrier Phone & Website
800-942-0954
Medical Priority Health
www.priorityhealth.com
MedNow by 844-322-7374
Telemedicine
Priority Health Priority Health Member App
Health Savings Account 866-346-5800
Health Equity
Dependent Care FSA www.healthequity.com
800-524-0149
Dental Delta Dental
www.deltadental.com
888-581-3648
Vision EyeMed
www.eyemed.com
Life and AD&D, STD and LTD
800-228-7104
Accident & Critical Illness Mutual of Omaha
www.mutualofomaha.com
EAP
Jennifer Petterson
Benefits Specialist
231-642-5680
jpetterson@advantageben.com
Nikole Warner
Advantage Benefits Medical, HSA/FSA Account Manager
Benefits Consultants
Group 231-714-6310
nwarner@advantageben.com
Kelsey Curtis
Ancillary Account Manager
616-458-3597
kcurtis@advantageben.comYou can also read
