2021 OPEN ENROLLMENT - Island County - Road Deputies & Corrections
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2021 OPEN ENROLLMENT Island County – Road Deputies & Corrections
DISCLAIMER
This presentation is intended to provide a brief description of 2021 coverage
and is not a complete explanation of covered services, exclusions, limitations,
reductions or terms under which a program may be continued in force. This
presentation is not a contract. For full coverage provisions, including a
description of waiting periods, limitations and exclusions, please refer to the
applicable summary plan documents posted to www.wcif.net or contact
Human Resources.
2
DENTAL / DELTA DENTAL OF WASHINGTON
deltadentalwa.com | 1.800.554.1907 (customer service)
Base Plan
• New Benefit for 2021: Posterior composite fillings now covered
• $50 individual / $150 family annual deductible (waived on Class 1)
• $1,000 Annual Maximum – No orthodontia
• Coverage Levels: PPO | Premier | Non-Participating
• Class 1 (Diagnostic & Preventive): 60% | 60% | 60%
• Class 2 (Restorative): 60% | 60% | 60%
• Class 3 (Major): 40% | 40% | 40%
Buy-up Plan
• New Benefit for 2021: Posterior composite fillings now covered
• No annual deductible
• $2,000 Annual Maximum
• Coverage Levels: PPO | Premier | Non-Participating
• Class 1 (Diagnostic & Preventive): 100% | 100% | 100%
• Class 2 (Restorative): 90% | 80% | 80%
• Class 3 (Major): 50% | 50% | 50%
• Orthodontia: 50% to $2,000 lifetime maximum 3
DENTAL / WILLAMETTE DENTAL
willamettedental.com | 1.855.433.6825 (customer service)
High Plan
• New Benefit:
Starting in 2021 Willamette Dental Specialty offices will offer a
Dental Implant Benefit covering up to $1,500 for implant surgical
services (limited to one implant per calendar year).
Benefit Period January 1, 2021 - December 31, 2021
Annual Maximum No Annual Maximum*
Deductible No Deductible
General or Orthodontic Office Visit $10 Copay per Visit
Speciality Office Visit $30 Copay per Visit
Comprehensive Orthodontia Treatment $1,800 Copay
Dental Implant Surgery Benefit Maximum of $1,500 per calendar year
* Benefits for TMJ, implant surgery, and orthognathic surgery have a benefit maximum, if covered.
4
VISION / VISION SERVICE PLAN
VSP.com | 1.800.877.7195 (customer service)
Standard Plan
• Network: Choice
• New Benefits: Starting in 2021, Walmart/Sam’s
Club will be added as a provider, working in the
same way as Costco. The frame allowance will
be $95.
Benefit Frequency Copay
WellVision Exam 12 months $0
Prescription Glasses Hardware $15
Frames / $175 allowance 24 months
Lenses 12 months
OR
Contacts / $155 allowance 12 months
Contact Lens Exam 12 months Up to $60
Remember, you get either glasses or contacts… NOT both. 5FLEXIBLE SPENDING ARRANGEMENTS / VIMLY
flexspending@vimly.com ǀ 1.206.859.2694 (customer service) 1.866.727.2106 (fax)
Health Flexible Spending Account
• A Flexible Spending Arrangement is an easy
way to lower your taxes and increase your
spendable income.
• You set aside part of the money you earn each
year before taxes are calculated.
• Your entire election amount is available on the
first day of the plan year.
• Services must be rendered during the current
plan year.
• IRS annual FSA contribution maximum is
$2,750 (2020).
6FLEXIBLE SPENDING ARRANGEMENTS / VIMLY
flexspending@vimly.com ǀ 1.206.859.2694 (customer service) 1.866.727.2106 (fax)
Dependent Care Account Program (DCAP)
• A DCAP is an easy way to lower your taxes and
increase your spendable income.
• You set aside part of the money you earn each year
before taxes are calculated.
• IRS annual DCAP contribution maximum is $5,000 per
household.
• Expenses are reimbursed only as payroll deductions
are contributed to the account.
• Automatic recurring reimbursements can be set up by
the provider and participant returning one simple form.
• Services must be rendered during the current plan year.
7EAP / FIRST CHOICE HEALTH EAP
FirstChoiceEAP.com | 1.800.777.4114 (customer service)
Member Services
COUNSELING SESSIONS
WORK LIFE RESOURCES CRISIS SUPPORT
• 1-6 Sessions
• Legal Assistance • 24/7 Telephonic Support
• Individual, Couples, or Family
• Financial Resources with EAP Provider
• Parenting
• ID Theft
• Grief & Loss
• Childcare Resources
• Change & Life Transitions
• Eldercare Resources
• Depression
• Home Ownership Program
• Anxiety
• Domestic Violence
• Alcohol & Drug ASSESSMENT PROCESS
• TeleHealth
• And More • 24 Hour Number/Online
Request
CONFIDENTIALITY • Greeted by CSR
• Describe Problem
• Contacts with EAP Confidential • Preferences
WHO IS COVERED?
• Exceptions to Confidentiality: • Provider Calls within 24-48
o Intent to harm self/others Business Hours
• Employees
o Child abuse • Satisfaction Survey
• Household Members
o Elder abuse
• Children up to the age of 26
8EAP / FIRST CHOICE HEALTH EAP
FirstChoiceEAP.com | 1.800.777.4114 (customer service)
24/7 Telehealth
9BASIC LIFE/ACCIDENTAL DEATH &
DISMEMBERMENT (AD&D)/ THE STANDARD
STANDARD.com | 1.800.848.5132 (customer service)
Island County provides you with a Basic Life/AD&D Plan that provides
a $25,000 benefit. In addition, your employer provides dependent life
benefit of $1,000 per dependent. This helps serve as an employee’s
financial safety net during the most crucial income earning years.
Travel Assistance Benefit through Assist America, Inc. is provided
as well as a Life Services Toolkit through Morneau Shepell.
Be sure to review your beneficiary designations.
Voluntary Term Life (VTL) (requires medical underwriting) and
Voluntary AD&D (no medical underwriting) are also available to
employees.
Please see the VTL & VAD&D Benefit Booklets for benefit details & rates. 10LONG TERM DISABILITY / THE STANDARD
STANDARD.com | 1.800.848.5132 (customer service)
Have you ever thought about how you would protect
yourself, your lifestyle, and those who count on you from
an unexpected loss of income?
Island County provides Corrections employees only with
Base LTD coverage through The Standard to help protect
a certain level of income.
Guarantee issue coverage only applies during the initial 31-day eligibility period.
Benefit Maximum
LTD Monthly Benefit*
Waiting Period Benefit
40% of first $10,000 of monthly
Base LTD 180 Days $4,000
pre-disability earnings
60% of first $10,000 of monthly
Buy-Up LTD 90 Days $6,000
pre-disability earnings
*Disability reduced by deductible income.
Please see the Buy-Up LTD Benefit Booklet for benefit details & rates.
Voluntary Short Term Disability is also available to all employees. 11VOLUNTARY WORKSITE INSURANCE/ METLIFE
Plan Highlights
Accident Insurance
• Low and High plan options available
• Covers 12 injury types and 15 medical services & treatments
Hospital Indemnity Insurance
• Low and High plan options available
• Covers hospitalization for accident and sickness
Critical Illness Insurance
• Perpetual Guaranteed Issue of $15,000 or $30,000: No Evidence of Insurability (EOI) or
Statement of Health (SOH) needed ever!
• Lump sum benefit paid upon diagnosis verification
• Maximum benefit (Total Benefit) is 3x the amount of your Initial Benefit
• Recurrence benefit1 of 50%
• Pre-existing condition exclusion 3/6 (does not include heart attack or stroke)
• Portable (continuation of coverage)3
MetLife Plans Pay Benefits Directly to Employee
There is a Benefit Suspension Period between Recurrences. We will not pay a Recurrence Benefit for a Covered Condition that Recurs during a Benefit Suspension Period. We will not pay a Recurrence Benefit
for either a Full Benefit Cancer or a Partial Benefit Cancer unless the Covered Person has not had symptoms of or been treated for the Full Benefit Cancer or Partial Benefit Cancer for which we paid an Initial
Benefit during the Benefit Suspension Period. 2. Coverage is guaranteed provided: (1) the employee is actively at work. Additional restrictions apply to dependents serving in the armed forces or overseas.3.
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Eligibility for portability through the Continuation of Insurance with Premium Payment provision may be subject to certain eligibility requirements and limitations. For more information, contact your MetLife
representativeBENEFITHUB DISCOUNT CENTER
All employees have access to
BenefitHub! To register, go to
www.wcif.net and look at the
dropdown menu under Employees.
Click on Discounts & Rewards, then
look for the link. Be sure to use the
Referral Code on the flyer!
13NEXT STEPS…….
SIMON ESS Portal
This is a CHANGE ONLY open enrollment. If you
wish to change plans, add or remove a dependent,
or drop a voluntary plan please access your
SIMON portal and process your 2021 open
enrollment changes online. The website address
is: https://wcif.simon365.com.
IMPORTANT: If you cancel or decline the
electronic signing process, any changes you have
made will not be saved. If you do not wish to
electronically sign your enrollment form, you will
not be able to process your open enrollment
changes through SIMON.
14THANK YOU
If you think of any questions later that
you need help with, please reach out to
Human Resources
or WCIF at www.wcif.net.
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