2021 ENROLLMENT DECISION GUIDE - Plan Year Beginning January 1, 2021 Open Enrollment: Nov. 23rd - Dec. 7th - Benefits
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2021 ENROLLMENT DECISION GUIDE
Open Enrollment: Nov. 23rd - Dec. 7th
Plan Year Beginning January 1, 2021
The information in this Benefits Summary is presented for illustrative purposes and is based on information provided by the sources. The text contained in this Summary was taken from various summary plan descriptions and benefit summaries. While every effort has been taken to accurately report your benefits, discrepancies or errors are always possible. In case of any discrepancy between this Benefits Booklet and the actual plan documents, the actual plan documents will prevail. All information is confidential, pursuant to the Health Insurance Portability and Accountability Act of 1996. If you have any questions about this summary, contact Human Resources.
table of contents How To Enroll Online..…….….….……….………………….…………..………4 Refresh. Review. Renew….…..……….……..………..…………………………6 Medical Plans…..…………..…………………….……………………….…..…..7 HSA Account.…….….……………..………..….………………..…….……….10 Dental Plan.……….….……………..………..….………………..…….……….12 Vision Plan…………..………..…………..………….….…….….………………13 Disability Income..…………..…………..…………….…..…….………………14 Life Insurance….……………..…………..……………..……….….……………15 Tax Savings………….………………..…………………………………………..16 Prescription Savings….……………..……………….…….…..………………..18 Contacts and Resources.…..…..…..…………………..……..………………..19
how to enroll online
1 Go to ambbenefits.me 2 Select “Explore Your Benefits”
3
First Time Users: Returning Users:
Click on New User Registration. “Reset Password” if needed
Your Company Identifier is: AMBPG Call Big Oak Benefits Group for
assistance.
4
how to enroll online
Allen, Mooney & Barnes
handheld and hassle-free
Now you can enroll on your smartphone or tablet using the same simple
steps you’d use on a computer. Visit ambbenefits.me to begin.
5
refresh. review. renew.
• add, change, or drop benefits
• change who you cover
• add eligible dependents
• update beneficiaries
Open Enrollment starts Nov. 23rd and ends Dec. 7th.
Your benefits will take effect January 1, 2021.
6medical plans
This is a Core Benefit GOLD COPAY PLAN
Copays No deductible
Preventive Care $0
Doctor Visits $35 Primary, Deductible then $70 Specialist
Prescriptions $3 / $10 / $50 / $80 / 20%
Urgent Care $75
Emergency Room Deductible then $500
Deductible All hospital and all surgery services, and major tests
Deductible $2,500 (2 per family)
After the Deductible You pay 0%
Total Out of Pocket Your $2,500 deductible + your copays = $5,500
Lifetime Maximum Unlimited
Per pay period deduction
Employee $163.79
Ee + Spouse $676.22
Ee + Children $612.16
Ee + Sp + Children $1081.91
7medical plans
This is a Core Benefit SILVER HSA PLAN
Preventive Care Paid 100% by insurance
Doctor Visits Applied to deductible
Prescriptions Applied to deductible $3 / $15 / $50 / $100 / 20%
Lab Tests, X-rays, MRIs, etc. Applied to deductible
All Surgery, all Hospital, ER Applied to deductible
Deductible $6,250 Single (2 per family)
After the Deductible You pay 0%
Total Out of Pocket Your $6,250 deductible + prescriptions = $6,900
Lifetime Maximum Unlimited
Per pay period deduction
Employee $68.12
Ee + Spouse $459.25
Ee + Children $410.35
Ee + Sp + Children $768.91
8medical plans
This is a Core Benefit BRONZE LOW COST PLAN
Preventive Care Paid 100% by insurance
Doctor Visits Applied to deductible
Prescriptions Applied to deductible
Lab Tests, X-rays, MRIs, etc. Applied to deductible
All Surgery, all Hospital, ER Applied to deductible
Deductible $8,150 Single (2 per family)
After the Deductible You pay 0%
Total Out of Pocket Your $8,150 deductible + your 0% = $8,150
Lifetime Maximum Unlimited
Out-of-Network This plan does NOT cover any out-of-network providers
Per pay period deduction
Employee $8.48
Ee + Spouse $324.01
Ee + Children $284.56
Ee + Sp + Children $573.81
9health savings account
How the Health Savings Account works
This plan is called a Health Savings Account (HSA) because you set up a
special tax-free bank account to pay your medical out-of-pocket
expenses. You will receive a debit card, so when you need to pay a
doctor’s bill, a prescription or other covered expense, you will pay with
your HSA card.
Tax Savings
• All contributions are tax-free.
• You may contribute via payroll deduction, to the 2021 total limit of
$3,600 for Single and $7,200 for Family. (Age 55+: extra $1,000
catch-up.)
• Your payroll deduction contributions avoid Federal, State and FICA
taxes.
• Contributions outside payroll don’t avoid FICA taxes.
• Contribution dollars that you don’t spend during the year still avoid
taxes.
Rules
• Your balance rolls over year to year so you can never lose your
money.
• You do not have commit to a certain dollar amount before the year
begins.
• You may start, stop or change contributions during the year, per your
needs.
• You may use your HSA dollars to pay dental and vision copays.
• You may use your HSA dollars to pay dependent medical expenses.
10hsa eligible and ineligible list
11dental plan
This is a Core Benefit ANY DENTIST PLAN
PROVIDERS You may choose any dentist
DEDUCTIBLE $50 annually, waived for Preventive
The plan pays 100% of the cost of cleaning twice per
PREVENTIVE SERVICES
year, plus the periodic x-rays. Deductible waived.
Plan pays 80% for most services, including fillings,
BASIC SERVICES
periodontics, extractions, root canals, and oral surgery
The plan pays 50% for crowns, bridges, dentures and
MAJOR SERVICES
implants.
ANNUAL MAXIMUM $1,000 per person, per calendar year
The plan pays 50% of the cost of child orthodontia with
ORTHODONTIA
the benefit of $1,000
Guardian will add $250 to your Maximum each year,
up to a total max of $2,000, if you have at least one
MAXIMUM ROLLOVER
procedure, such as a cleaning, but under $500 of paid
benefits.
Per pay period deduction
Employee $8.37
Ee + Spouse $25.60
Ee + Children $35.99
Ee + Sp + Children $58.03
12vision plan
This is a Core Benefit USING GUARDIAN VISION NETWORK
Eason Eye Care, MyEyeDr, and Walmart Vision Center in
PROVIDERS
Thomasville. Plus many more in Tallahassee and Valdosta.
EYE EXAMS The plan pays 100% after your $10 copay. Once per year.
LENSES The plan pays 100% after your $25 copay. Once per year.
FRAMES The plan pays up to $130 toward frames, every two years.
Contacts (instead of glasses): plan pays $130 per year,
CONTACTS
which you can use toward the materials and/or evaluation.
This plan offers out of network reimbursements. Visit
OUT OF NETWORK
Employee Navigator for the reimbursement form.
Visit guardiananytime.com to search for more providers.
Per pay period deduction
Employee $3.43
Ee + Spouse $5.77
Ee + Children $5.88
Ee + Sp + Children $9.31
13disability plans
“If you get sick or hurt and can’t work, where will the money come from?”
This is a Core Benefit SHORT TERM DISABILITY
BENEFIT AMOUNT The plan pays 50% of your salary up to $1,000 per week
BENEFITS BEGIN Benefits begin on the 8th day for accident or illness
Benefits are payable for as long as you remain disabled, up to
BENEFITS DURATION the maximum of 12 weeks, to coordinate with the Long Term
Disability.
This benefit also covers you when you are partially disabled,
PARTIAL DISABILITY meaning that you can work part-time and receive partial
benefits.
MATERNITY Maternity is covered.
COST This plan is paid for 100% by Allen, Mooney and Barnes.
If you suspect that you are going to miss work time due to a disability you must contact AMB Human Resources
before you can become eligible for disability benefits or salary continuation.
This is a Core Benefit LONG TERM DISABILITY
BENEFIT AMOUNT The plan pays 60% of your salary up to $10,000 per month
Benefits begin on the 91st day, to coordinate with the day the
BENEFITS BEGIN
Short Term Disability ends.
Benefits are payable for as long as you remain disabled, up to
BENEFITS DURATION
the normal Social Security retirement age of 65 to 67.
This benefit also covers you when you are partially disabled,
PARTIAL DISABILITY meaning that you can work part-time and receive partial
benefits.
COST This plan is paid for 100% by Allen, Mooney and Barnes.
14life plans
This is a Core Benefit BASIC LIFE INSURANCE
100% of your annual salary
BENEFIT AMOUNT
Minimum of $10,000, Maximum of $50,000
ACCIDENTAL DEATH The plan also pays an additional one-times salary if death is
& DISMEMBERMENT accidental
EMPLOYEE COST This Core benefit is paid for 100% by AMB
Supplement the Core VOLUNTARY LIFE INSURANCE
At New Hire Open Enrollment only:
GUARANTEED ISSUE
Employee $50,000 under age 70; over age 70, $10,000
EMPLOYEE CHOICES up to $300,000, in increments of $10,000
SPOUSE 50% of the amount elected by employee, up to $150,000
CHILD(REN) $5,000 or $10,000
EMPLOYEE COST Paid for by employee. Rates vary by age and amount.
15tax savings
DEPENDANT CARE FSA
Allen, Mooney & Barnes offers several ways for you to save on medical and
other expenses while reducing your tax burden and increasing your take-
home pay.
HOW IT WORKS
The Dependent Care Flexible Spending Account allows employees to
use pre-tax dollars for qualified dependent care such as caring for
children under age 13, or for elders. The annual maximum amount you
may contribute is $5,000 (or $2,550 if married and filing separately).
• The cost of child or adult dependent care
• The cost for an individual to provide care either in or out of your house
• Nursery schools and preschools (excluding kindergarten)
ADDITIONAL TAX SAVINGS
PREMIUM PRE-TAX PLAN HEALTH SAVINGS ACCOUNT
Money you spend on benefits (except for Reduce your taxable income while saving
Life and Disability) is sheltered from on out-of-pocket medical expenses.
Federal, State, and FICA taxes, a minimum Select the HSA medical plan to take
savings of 28.65% There is no cost for this advantage of these savings.
plan.
16tax savings
HEALTHCARE FSA
Your Flexible Spending Accounts are managed by Aflac. You can access your
accounts online 24/7 at www.aflac.com.
HOW IT WORKS
The Healthcare Reimbursement Flexible Spending Account allows
employees to pay for certain IRS-approved medical care expenses not
covered by their insurance plan with pre-tax dollars. Some examples
include: Deductibles, coinsurance, prescription copays, and hearing
services, including hearing aids and batteries
• Vision services, including contact lenses, contact lens solution, eye
examinations and eyeglasses
• Dental services including Orthodontia
• Maximum $2,750 per year may be pre-taxed.
Those dollars avoid Federal and State income
taxes and FICA.
28.65%
Minimum tax savings based
on 15% federal, 6% Georgia,
17 and 7.65% FICA taxesprescription savings strategies
Shop Smarter
Your medical plan will help reduce the costs of prescription medications. But by
using the following resources, you can save even more. For a full list of
medications, log in to your Employee Navigator benefits portal.
Download the app or search for the lowest RX prices at your local
drugstores at www.goodrx.com. Includes coupons.
Publix offers a variety of some of the most often-prescribed
medications absolutely free, including Lisinopril, Amplodipine,
Metformin, and a variety of antibiotics.
Walmart offers savings on more than 200 generic medications and
antibiotics: with 30-day supplies available for as little as $4, and 90
day supplies for just $10.
Lawson Neel MedBank offers help to those who do not have
prescription coverage to get the prescription medicines they need by
working with local doctor offices and the drug makers.
18contacts and resources
Refer to this list when you need to contact one of your benefit vendors. For general
information contact Big Oak Benefits Group (see back cover) or your HR Director.
How to check the status of your claim online
Aetna www.aetna.com “Login” in the upper right hand area
Guardian www.guardiananytime.com “Register” on the right side
BENEFIT COMPANY WEBSITE PHONE
Medical Aetna www.aetna.com 866-565-1236
Dental, Vision,
Life, & Guardian www.guardiananytime.com 800-627-4200
Disability
19Text us at 229.448.4777
MEET YOUR DEDICATED BIG OAK BENEFITS TEAM
Account Manager Angela Parrott angela@bigoakbenefits.com
229.516.1561
Additional Client Services Anthony Sieben anthony@bigoakbenefits.com
229.516.1559
Benefits Advisor Lauren Radford lauren@bigoakbenefits.com
Managing Partner Scott Sterling scott@bigoakbenefits.com
Physical / Overnight: 116 E. Monroe St, Thomasville GA 31792
Mailing: P.O. Box 1953, Thomasville, GA 31799
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