Benefits Guide Non Union Employees 2019 - Livingston County

 
Benefits Guide Non Union Employees 2019 - Livingston County
Benefits
      2019
           Guide
Non Union Employees
Benefits Guide Non Union Employees 2019 - Livingston County
Table of Contents
                         Welcome                                                                                                          3

                         Enrollment Information                                                                                           4

                         Ulliance Employee Assistance Program                                                                             5

                         Medical Plan (PPO 4, PPO 6, HDHP)                                                                                6

                         Dental Plan                                                                                                      7

                         Vision Plan                                                                                                      8

                         Wellness Program                                                                                                 9

                         Telemedicine                                                                                                    10

                         Transparency Tool (Healthcare Bluebook)                                                                         11

                         Health Savings Account                                                                                      12-13

                         Flexible Spending Account                                                                                       14

                         Limited-Purpose Flexible Spending Account                                                                       15

                         Basic Life and AD&D                                                                                             16

                         Short Term/Long Term Disability                                                                                 17

                         Voluntary Benefits (Accident, Critical Illness, Hospital Indemnity/Care)                                    18-21

                         Pet Insurance                                                                                               22-23

                         Important Notices                                                                                           24-25

                         Resources                                                                                                       26

                                  Enroll For Your Benefits Here:
                                        https://selfservice.livgov.com/mss/login.aspx

                                                        IMPORTANT DATES

 ▪ October 22, 2018 – November 2, 2018 – Open enrollment period for employees
   to elect 2019 benefits.
 ▪ January 1, 2019 – Benefits selections made during open enrollment will be
   effective.
      The 2019 benefits guide is only a brief summary of your benefits. Livingston County has tried to ensure its accuracy, but if there is any
  discrepancy between the benefits discussed in this guide and the official plan document, the official plan document will rule. Actual benefits
  will be paid in accordance with the carrier contracts and any amendments to those contracts in place at the time of the claim. Please refer to     2
  your benefit booklets for details regarding your coverage, including benefit limitations and exclusions. Livingston County reserves the right to
                                       amend, modify or terminate any plan at any time and in any manner.
Benefits Guide Non Union Employees 2019 - Livingston County
Welcome
The Livingston County Open Enrollment process for 2019 will once again be electronic. This year’s
enrollment will be passive, meaning you do not need to re-enroll and your 2018 benefits will carry-
over. Employees that would like to elect coverage or make changes to current coverage will do so
via the County MUNIS Employee Self-Service (ESS). Please note that if you wish to participate in the
Healthcare or Dependent Care Reimbursement Account, you must make an election every year.

NEW:
• Life, Disability, Critical Illness, Accident, and Hospital Indemnity coverage will be provided by
  CIGNA Insurance as of 1/1/2019
• The County will be offering Pet Insurance via Nationwide on a voluntary basis, with benefits
  effective 1/1/2019
• Our EAP provider has changed! Our new Employee Assistance Program, Life Advisor, is offered via
  Ulliance as of 10/1/2018

          Please Note: Alight Advocacy will be replaced by Health Advocate through CIGNA as of 1/1/19. Please contact Barb
                     Ritchie in HR for updated Advocacy information at britchie@livgov.com or (517) 540 – 8793

 What Advocacy Can Provide:
 • A way for employees to understand their benefits
 • Timely resolutions of health care billing and insurance claim disputes
 • Easy-to-read information about treatment options, specialists, and prescription drugs
 • Assistance locating doctors and hospitals covered by your health benefits
 • Explanations of diagnoses and help obtaining the best medication and treatment options from medical
   professionals
 • Facilitation of second opinions                                                                   3
Benefits Guide Non Union Employees 2019 - Livingston County
Enrollment Information
Any questions, please contact Barb Ritchie at (517) 540-8793 or via e-mail at britchie@livgov.com.

Decline Coverage-Opt Out
If you are covered by a health plan other than the Livingston County Health Plan, and feel that it meets the
needs of you and your family, you may elect to opt out of our Medical Coverage. Opt-Out payment varies per
bargaining unit, please look at your agreement to see if your bargaining unit is eligible for an opt-out payment.
Group Term Life Insurance
According to Internal Revenue Service (IRS) tax codes, the value of your Basic Group Term Life Insurance in
excess of $50,000 is taxable to you. The taxable amount, called imputed income, will be reflected on your W-2.

SPECIAL ENROLLMENT NOTICE
If you are declining enrollment for yourself or your dependents (including your spouse) because of other
health insurance or group health plan coverage, you may be able to enroll yourself and your dependents in this
plan if you or your dependents lose eligibility for that other coverage (or if the employer stops contributing
toward you or your dependents’ other coverage). However, you must request enrollment within 30 days after
you or your dependents’ other coverage ends (or after the employer stops contributing toward the other
coverage). In addition, if you have a new dependent as a result of marriage, birth, adoption, or placement for
adoption, you may be able to enroll yourself and your dependents. However, you must request enrollment
within 30 days after the marriage, birth, adoption, or placement for adoption. To request special enrollment
or obtain more information, contact Barb Ritchie at (517) 540-8793 or britchie@livgov.com.

IMPORTANT:
Required Information
• If you are adding a new child or spouse for the first time, you must provide the original documents
  as proof of relationship to the County Human Resources Department. For a spouse, you will need
  your marriage license, for a child, you will need a birth certificate.
• Please verify name, dates of birth, and social security numbers for anyone enrolled or enrolling in an
  insurance plan or whom you may name as an insurance beneficiary.
Any questions regarding the information required to enroll a new dependent, contact Barb Ritchie at
britchie@livgov.com. Also, If adding Voluntary Life, STD or LTD, you may be required to fill out an
evidence of insurability form for any new coverage.

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Benefits Guide Non Union Employees 2019 - Livingston County
Ulliance Life Advisor EAP

                            5
Benefits Guide Non Union Employees 2019 - Livingston County
Medical Plans
                                                                       Coverage Provided through Blue Cross Blue Shield of Michigan

                                                    Community Blue PPO 4                      Community Blue PPO 6                     High Deductible Health Plan
               Key Features
                                                                                                                                    High Deductible with Health Savings
                                                    Base plan for all groups                 Buy-up plan for all groups
                                                                                                                                             Account Option
                                              In-Network           Out-of-Network       In-Network          Out-of-Network          In-Network          Out-of-Network

 Annual Calendar Year Deductible
 Individual                                       $500                 $1,000               $250                  $500                 $2,000               $4,000
 Family                                          $1,000                $2,000               $500                 $1,000                $4,000               $8,000
 Coinsurance Maximum
 Individual                                      $1,500                $3,000              $1,000                $2,000                  N/A                   N/A
 Family                                          $3,000                $6,000              $2,000                $4,000                  N/A                   N/A
 Out-of-Pocket Maximums
 Tier 1: Deductible and Coinsurance Out-
 of-Pocket
 Individual                                      $2,000                $4,000              $1,250                $2,500                $3,000               $6,000
 Family                                          $4,000                $8,000              $2,500                $5,000                $6,000               $12,000
 Tier 2: Total Out-of-Pocket
 (All deductibles, fixed dollar copays,
 and rx copays)
 Individual                                      $6,350               $12,700              $6,350               $12,700                $3,000               $6,000
 Family                                         $12,700               $25,400             $12,700               $25,400                $6,000              $12,000
                                              80% for most          60% for most        90% for most          80% for most          80% for most         60% for most
 Coinsurance
                                                services              services            services              services              services             services
 Physician Services
 Office Visit - must be medically                                                                                              80% after deductible 60% after deductible
                                                   $10          60% after deductible         $10          80% after deductible
 necessary                                                                                                                            is met                is met
 Online Visit – Blue Cross Online Visits                                                                                          $49 copay until deductible is met; $0
                                                                                                                                copay after deductible + 80% in network
                                                $0 copay            Not covered           $0 copay           Not covered
                                                                                                                                 (60% out of network) coinsurance after
                                                                                                                                           deductible is met
 Chiropractic Visit                                                                                                            80% after deductible 60% after deductible
                                                   $10          60% after deductible         $10          80% after deductible
                                                                                                                                      is met                is met
                                              Combined maximum of 24 visits per         Combined maximum of 24 visits per           Combined maximum of 12 visits per
                                                     member per year                           member per year                             member per year
 Preventive Care                             100% Coverage          Not covered        100% Coverage          Not covered        100% Coverage         Not covered
                                                                                                                               80% after deductible 60% after deductible
 Hospital Services                         80% after deductible 60% after deductible 90% after deductible 80% after deductible
                                                                                                                                      is met               is met
 Emergency Treatment
                                                                                                                                 80% after deductible 60% after deductible
 Urgent care copay                                 $10          60% after deductible         $10          80% after deductible
                                                                                                                                        is met               is met
 Emergency room copay (waived if                                                                                                 80% after deductible 60% after deductible
                                                  $100                  $100                $100                  $100
 admitted)                                                                                                                              is met               is met
 Retail Prescriptions (30-day supply)
                                                                                                                                     *$10 after
 Generic                                           $2                                        $5
                                                                  In-network copay                          In-network copay      deductible is met    In-network copay
                                                                   plus 25% of the                           plus 25% of the         *$40 after         plus 20% of the
 Formulary brand                                   $25                                       $25
                                                                  BCBSM approved                            BCBSM approved        deductible is met    BCBSM approved
                                                                       amount                                    amount              *$80 after             amount
 Non-formulary brand                               $50                                       $50
                                                                                                                                  deductible is met
 Mail-Order Prescriptions (90-day
                                                   2x                    2x                  2x                    2x                    2x                    2x
 supply)

   * For the High Deductible Health Plan, you have coverage for preventive prescription drugs on the BCBSM HSA Preventive Rx Drug List when provided by in-
      network pharmacies, payable up to an annual benefit maximum of $500 (no deductible or copay/coinsurance). When the benefit maximum has been
      reached, the cost-sharing requirements of your plan will apply. A list of commonly prescribed preventive drugs is available upon request. A member may          6
      also call the customer service
   ** Summary of Benefit Coverage (SBCs) can be found here: https://www.livgov.com/hr/benefits/Pages/medical.aspx
Benefits Guide Non Union Employees 2019 - Livingston County
Dental Plan
                                     Coverage Provided through Blue Cross Blue Shield of Michigan
 Class I Services
  Oral Exams - once every six months (No Copay)                         Covered - 100%; Subject to Annual Maximum
  Teeth Cleaning - once every six months                                Covered - 100% / 2 Times Per Year; Subject to Annual Maximum
  Bitewing X-rays - once every six months                               Covered - 100%; Subject to Annual Maximum
  Full-mouth X-rays - once every 36 months                              Covered - 100%; Subject to Annual Maximum
  Fluoride Treatment                                                    Covered - 100%; Subject to Annual Maximum
  Space Maintainers                                                     Covered - 100%, up to age 19; Subject to Annual Maximum
  Palliative Emergency Treatment                                        Covered - 100%; Subject to Annual Maximum
 Class II Services
  Fillings (amalgam, acrylic, or silicate) (20% Copay)                  Covered - 80%; Subject to Annual Maximum
  Inlays, Onlays, and Crowns (20% Copay)                                Covered - 80%; Subject to Annual Maximum
  Root Canal Therapy (20% Copay)                                        Covered - 80%; Subject to Annual Maximum
  Periodontics Treatments (20% Copay)                                   Covered - 80%; Subject to Annual Maximum
  General Anesthesia (20% Copay)                                        Covered - 80%; Subject to Annual Maximum
  Oral Surgery Including Extractions (20% Copay)                        Covered - 80%; Subject to Annual Maximum
  Repairs to Existing Dentures (20% Copay)                              Covered - 80%; Subject to Annual Maximum
 Class III Services
  Removable Dentures                                                    Covered - 50%; Subject to Annual Maximum
  Fixed Bridges                                                         Covered - 50%; Subject to Annual Maximum

 Class IV Services - Orthodontic services for dependents under age 19

  Habit Breaking Appliances                                             Not Covered
  Minor Toot Guidance Appliances                                        Not Covered
  Full-Banding Treatment                                                Not Covered
  Monthly, Active Treatment Visits                                      Not Covered
  Copays and Dollar Maximums
  Copays                                                                80% for Class II and 50% for Class III Covered Services
  Annual Maximum                                                        $1,200 per member for covered services

                              Summary of Dental Coverage: https://www.livgov.com/hr/benefits/Pages/benafitsDental.aspx

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Benefits Guide Non Union Employees 2019 - Livingston County
Vision Plan
                                             Coverage Provided through EyeMed via the Access Network
                                                                                                                           Out-of-Network
 Vision Care Services                                                In-Network Member Cost
                                                                                                                           Reimbursement
 Exam With Dilation as Necessary                                            $0 Copay                                          Up to $40
 Retinal Imaging                                                            Up to $39                                           N/A
 Frames                                               $0 Copay; $130 allowance, 20% off balance over $130                     Up to $91
 Standard Plastic Lenses
 Single Vision                                                              $10 Copay                                          Up to $30
 Bifocal                                                                    $10 Copay                                          Up to $50
 Trifocal                                                                   $10 Copay                                          Up to $70
 Lenticular                                                                 $10 Copay                                          Up to $70
 Standard Progressive Lens                                                  $75 Copay                                          Up to $50
 Premium Progressive Lens                                             $95 Copay - $120 Copay                                   Up to $50
 Tier 1                                                                     $95 Copay                                          Up to $50
 Tier 2                                                                    $105 Copay                                          Up to $50
 Tier 3                                                                    $120 Copay                                          Up to $50
 Tier 4                                                  $75 Copay, 20% off charge less $120 Allowance                         Up to $50
 Lens Options (paid by the member and added to the base price of the lens)
 UV Treatment                                                                  $15                                               N/A
 Tint (Solid and Gradiant)                                                     $15                                               N/A
 Standard Plastic Scratch Coating                                              $15                                               N/A
 Standard Polycarbonate - age 19 and over                                      $40                                               N/A
 Standard Polycarbonate - under age 19                                         $40                                               N/A
 Standard Anti-Reflective Coating                                              $45                                               N/A
 Premium Anti-Reflective Coating                                            $57 - $68                                            N/A
 Tier 1                                                                        $57                                               N/A
 Tier 2                                                                        $68                                               N/A
 Tier 3                                                                 20% off Retail Price                                     N/A
 Photochromic/Transitions                                                      $75                                               N/A
 Polarized                                                              20% off retail price                                     N/A
 Other Add-Ons and Services                                             20% off retail price                                     N/A
 Contact Lens Fit and Follow-up (Contact lens fit and two follow-up visits are available once a comprehensive eye exam has been completed.)
 Standard Contact Lens Fit & Follow-Up:                                   Up to $Up to $55                                       N/A
 Premium Contact Lens Fit & Follow-Up:                                   10% off retail price                                    N/A
 Contact Lenses (Contact Lens allowance includes materials only)
 Conventional                                          $0 copay, $130 allowance, 15% off balance over $130                    Up to $130
 Disposable                                              $0 copay, $130 allowance, plus balance over $130                     Up to $130
 Medically Necessary                                                   $0 copay, Paid-In-Full                                 Up to $210
 Laser Vision Correction
 LASIK or PRK from U.S. Laser Network                 15% off the retail price or 5% off the promotional price                   N/A
 Hearing Care
 Hearing Health Care from Amplifon Hearing        40% off hearing exams and low price guarantee on discounted
                                                                                                                                 N/A
 Network                                                                     hearing aids
 Frequency
 Examination                                                                              Once every 12 months
 Lenses or Contact Lenses                                                                 Once every 12 months
 Frame                                                                                    Once every 12 months

    Livingston County continues to offer vision benefits via EyeMed’s more robust Access Network, providing in-network coverage to
                                              more providers in the Livingston County area.

                            Summary of Vision Coverage: https://www.livgov.com/hr/benefits/Pages/Vision.aspx                                  8
Benefits Guide Non Union Employees 2019 - Livingston County
Wellness
Employee Wellness Program
 A comprehensive wellness initiative is available for non-union employees through Blue Cross/Blue Shield of Michigan (BCBSM) as
the administrator for the Health Risk Assessment, Physician Health Screening form, individual coaching, and other wellness
related functions, including a tobacco cessation program.

1.   Employees who complete the Health Risk Assessment and Physician Health Screening form and properly submit them to
     Blue Cross/Blue Shield of Michigan by May 31, 2019 shall receive $100, paid through payroll as a taxable benefit per IRS
     regulations.
2.   In order to engage employees year-round in wellness activities, employees may receive up to $500 for wellness related
     reimbursements in 2019 for you and your family, paid through payroll as a taxable benefit per IRS regulations ($500 for full
     time, $300 for part time).
      * Pro-rated based on DOH.

Reimbursements will be provided upon submission for the following types of wellness related items and activities:
•    Gym Memberships                      •   Flu shots                                •   Exercise or Sports equipment
•    Exercise Sessions                    •   Pedometer                                    including tennis/athletic shoes
•    Yoga or meditation sessions          •   Sports league fees
•    Therapeutic massage                  •   Weight watchers/similar weight
•    Tobacco cessation program                reduction program

In addition, on-site, one on one sessions will be provided for employees at no or low cost with local providers and health
educators to confidentially discuss wellness related concerns. On going employee wellness education will be communicated to
employees utilizing BCBSM education pieces and our Liv. Well Employee Wellness Program.

Additional information, tools and forms are available at the Livingston County Human Resources webpage.

Model Wellness Program Disclosure
If it is unreasonably difficult due to a medical condition for you to achieve the standards for the reward under this program, or if it is
medically inadvisable for you to attempt to achieve the standards for the reward under this program, call us at (517) 540-8793 and we will
work with you to develop another way to qualify for the reward.

                               More information can be found at: https://www.livgov.com/hr/pages/wellness.aspx

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Benefits Guide Non Union Employees 2019 - Livingston County
Telemedicine
Livingston County will continue to offer online healthcare visits for you and your covered dependents
through Blue Cross Online Visits. Employees and their dependents can utilize Blue Cross Online Health
for both minor illnesses and behavioral mental healthcare. There are no fees or copays to members
when you use this service (except for those in the HDHP plan - $49 copay until you’ve hit the
deductible; $0 after the deductible). Please go online, download the app, or call the number below to
register ahead of time so there is no delay when you need the service.

                                                                                                 10
Transparency Tool

                    11
Health Savings Account
 As part of your High Deductible Health Plan, you have the opportunity to contribute money into a Health Savings
 Account (HSA) provided by Health Equity. The Health Savings Account allows you to contribute pre-tax dollars to a bank
 account you own. You may use these funds for any qualified medical expense. Livingston County will fund the first $500
 ($1,000 for 2 person or Family coverage) and match the employee contribution up to the next $500 ($1,000 for 2
 person or Family coverage). After you enroll, you will be mailed a debit card that you will be able to use for making
 qualified expenses.
 Please note that when opening an HSA, you must ensure you have no money in a Flexible Spending Account (FSA). You
 may NOT have a HSA while having a regular FSA.

                                                                                                                          12
Health Savings Account
                                   Frequently Asked Questions about my HSA:
1.   What is an HSA? An HSA is a savings account used in conjunction with an HSA-compatible health plan that allows you to save pretax
     money to pay for qualified medical expenses.

2.   What is Health Equity? Health Equity works with Blue Cross Blue Shield of Michigan to administer your HSA. Health Equity is NOT
     involved in administering your healthcare plan, however.

3.   What the benefits of an HSA? An HSA is a flexible way to manage current health care costs and save for future retirement needs. It
     also allows you to decide when and how to spend your money and provides potential tax savings with payroll deductions, interest
     earned and use of funds for qualified medical expenses – all tax free.

4.   Who owns my HSA? It is your account – you own it and the money in it.

5.   Who is eligible to open and contribute to my HSA? You can open and contribute to an HSA if you’re enrolled in an HSA-compatible
     health plan, and (1) aren’t covered by another health plan that isn’t HSA compatible; (2) aren’t enrolled in Medicare or Tricare; (3)
     don’t have access to funds in a full-medical flexible spending account or health reimbursement account arrangement; (4) can’t be
     claimed as a dependent on someone else’s tax return.

6.   Is there a limit on the amount I can contribute to my HSA? Contribution limits are determined by the Internal Revenue Service each
     year. For 2019, the maximum contribution to an HSA is $3,500 for single coverage and $7,000 for family coverage. The maximum
     contribution amounts include any contributions made by Livingston County. If you are aged 55 or older, you may contribute an
     additional $1,000.

7.   What is an HSA-compatible health plan? Any health plan that meets the IRS deductible, out-of-pocket maximum, and coverage
     requirements. Typically an HSA-compatible plan will have a relatively high deductible with lower monthly premiums (as is the case
     with Livingston County’s $2,000 /$4,000 single/family deductible).

8.   Can I access my HSA online? Yes. You can access your HSA online to check account balances, manage claim transactions and much
     more through your Blue Cross member by logging onto bcbsm.com, clicking My Coverage, then Spending Accounts, and clicking the
     Go to your health spending account link.

9.   Is there a debit card? Yes – up to three HSA debit cards are available free of charge for your convenience.

10. What is a qualified medical expense? A health care expense that is approved by the IRS. A list can be found at
    https://learn.healthequity.com/qme/

11. Am I limited to using money in my HSA for qualified medical expenses? No – however, penalties apply for non-qualified expenses
    prior to age 65. If you’re younger than 65, you’ll be taxed AND pay a 20% penalty. If you’re 65 or older, you only will be taxed (no
    penalty).

12. Who invests the money contributed into my HSA? You make the decision to invest the money in your HSA. Any balances over $2,000
    can be invested in a variety of funds. These investments are similar to other online trade investments and aren’t Federal Deposit
    Insurance Corporation insured.

                                                                                                                                       13
Flexible Spending Account
 Flexible Spending Accounts allow employees to set aside pre-tax dollars for reimbursement of IRS approved health and
 dependent care expenses for things like doctor's office visit co-pays, prescription drugs, eyeglasses and contact lenses,
 and day care that would have otherwise been paid with after tax dollars. Contributing to a flexible spending account
 reduces taxable income, so that you pay less in taxes. As a general rule, you will save approximate $30 in taxes for every
 $100 you contribute to the Plan

 Health Flexible Spending Account (FSA)
 This account covers eligible health care expenses incurred for you and your family that are not reimbursed by any
 medical, dental or vision care plan you or your dependents may have. As a reminder, the pre-tax premiums you
 pay for the medical, dental, and vision plans you select are not reimbursable under the FSA because they are
 already withheld on a pre-tax basis.

  *Don’t forget, you may rollover up to $500 from your 2018 elections to use towards your 2019 elections

 Dependent Care Flexible Spending Account (FSA)
 This account covers eligible dependent care expenses incurred so you can work. If you are married, your
 spouse must also work or attend school full-time. Childcare, pre-school and before/after school expenses
 fall into this category.
 The IRS requires that any money remaining in your FSA(s) at the end of the Plan Year are forfeited. To avoid
 this, we recommend planning wisely when you enroll in the Plan and setting aside money for predictable
 expenses. Keep in mind that you have a month grace period following the end of the Plan.
 You can find a worksheet on the County's link at https://www.livgov.com/hr/benefits/Pages/benefit-
 forms.aspx. Additional information can also be found at www.arcadiabeneflts.com.

                                                                            UPDATE FOR 2019:
              Debit cards will be                                               $2,650 Annual Limit
              available for Health                                              For Health Care FSA*
               Flexible Spending                                                $5,000 Annual Limit
                    Accounts                                                  For Dependent Care FSA*

                                                                                  *As of 10/1/2018

                                                                                                                       14
Limited-Purpose Flexible Spending Account
 For those electing the High Deductible Health Plan (HDHP), you will be unable to have a Flexible Spending Account
 in addition to your Health Savings Account.

 In lieu of a traditional Flexible Spending Account, you will have the opportunity to have a Limited Purpose Flexible
 Spending Account. Both the LFSA and HSA will be offered.

 Used in conjunction with a health savings account (HSA), an LPFSA allows you to contribute additional pre-tax
 dollars to use ONLY for dental and/or vision expenses. This allows you to maximize your pre-tax HSA contributions
 and contribute additional pre- tax dollars to an LPFSA. In other words, the Limited Purpose FSA allows you to use
 your Health Savings Account for medical and prescription drug costs by shifting dental/vision expenses onto the
 LPFSA.

 Your Limited Purpose Flexible Spending Account will be offered through Health Equity. By electing the Limited
 Purpose FSA, you will have two debit cards – one for the HSA and one for the Limited Purpose FSA.

 It is important to note that you cannot have any money in your current FSA account in order to enroll in the HSA
 per IRS requirements.
                            Please check out the following link for more information:
                            https://healthequity.com/learn/flexible-spending-account

      *Don’t forget, you may rollover up to $500 from your 2018 elections to use towards your 2019 elections

              Debit cards will be                                         UPDATE FOR 2019:
             available for Health                                         $2,650 Annual Limit
             both Health Savings                                        For Limited Purpose FSA
            Accounts and Limited
               Purpose Flexible                                               *As of 10/1/2018
             Spending Accounts

                                                                                                                    15
Basic Life & AD&D
                                                                                              CIGNA
 Benefit Level
 Eligibility                              Class 1 Paramedics
                                          Class 2 MAPE Court Members
                                          Class 3 MAP Sergeants
                                          Class 4 MAPE 911 Dispatch Members
                                          Class 5 LCDSA Deputies, Corrections Officers and Detectives
                                          Class 6 MAP lieutenants
                                          Class 7 Non-Union Members, Elected Officials and Judges
 Employee Life/AD&D Benefit Amount        Base Life:
                                          Class 1 - $40,000
                                          Class 2 - 2 times your Annual Earnings rounded to the next higher multiple of $1,000, if not already a multiple of
                                          $1,000. Maximum: $200,000
                                          Class 3 - $40,000
                                          Class 4 - 1 times Annual Earnings rounded to the next higher multiple of $1,000. Maximum: $500,000.
                                          Class 5 - $45,000
                                          Class 6 - $50,000
                                          Class 7 - 1 times your Annual Earnings, rounded to the next higher multiple of $1,000, if not already a multiple of
                                          $1,000. Maximum: $500,000

                                          Base AD&D:
                                          All Classes Amount equal to Base life amount
 Employee Additional Life Benefit Amount Additional Life:
                                         Class 1 - Employee: $40,000, $80,000 Spouse: $5,000,$10,0000 Child: $2,500, $5,000
                                         Class 2 - Employee: 1 times annual earnings, maximum $300,000; 2 times annual earnings, maximum $300,000
                                         Spouse: $5,000, $10,000 Child: $2,500, $5,000
                                         Class 3 - Employee: $40,000, $80,000 Spouse: $5,000, $10,000 Child: $2,500, $5,000
                                         Class 4 - Employee: 1 times annual earnings, maximum $300,000; 2 times annual earnings, maximum $300,000
                                         Spouse: $5,000, $10,000 Child: $2,500 ,$5,000
                                         Class 5 - Employee: $45,000, $90,000 Spouse: $5,000, $10,000 Child: $2,500, $5,000
                                         Class 6 - Employee: $50,000, $100,000 Spouse: $5,000, $10,000 Child: $2,500, $5,000
                                         Class 7 - Employee: 1 times annual earnings, maximum $300,000; 2 times annual earnings, maximum $300,000
                                         Spouse: $5,000, $10,000 Child: $2,500, $5,000

 Dependent Life Benefit Amount            Spouse:
                                          Spouse Non-Med Maximum: Standard $10,000
                                          Spouse Reduction: The amount of your spouse's life insurance will reduce by the same percentage and at
                                          the same time your life insurance reduces.

                                          Child:
                                          0 - 14 days: $1,000
                                          14 days - 6 months: $1,000
                                          6 months +: ($2,500 or $5,000)
                                          Child Age Limit:19
                                          Student Age Limit: 26
                                          Dependent coverage cannot be more than 100% of the employee's life amount.

                                                                                                                                                       16
Short Term & Long Term Disability
Short Term Disability
  Coverage includes all active full-time employees working 30 hours per week excluding Judges and Elected Officials.

 Weekly Benefits:                     66.6667% of weekly earnings to a maximum benefit of $2,500 per week.

                                      * Injury: 0 Days
 Elimination Period:
                                      * Sickness: 7 Days

 Benefit Duration:                    13 Weeks

Long Term Disability
  Coverage includes all active full-time non-union employees working 30 hours per week.

 Monthly Benefit:                     60% of monthly earningstoa maximum benefit of $8,000 per month

                                      * 90 Days
 Elimination Period:
                                      * 30 Day accumulation feature

 Benefit Duration:                    Social Security Retirement Age/Reducing Benefit Duration

* These benefits are provided at no cost by Livingston County.

                                                                                                                   17
Voluntary Enrollment
      New for 2019 – Voluntary Products through CIGNA

                                      Detailed information is
                                      on its way!
                                      For information to help you with your
                                      enrollment decisions:
                                         Check your e-mail inbox
                                         Attend an upcoming enrollment
                                         meeting

                                      How to Enroll:
                                         Please visit the following website:
                                        https://selfservice.livgov.com/mss/login.aspx

                                                                              18
Group Accident Insurance
Available to all employees; regularly scheduled 20 hours or more

                                                               19
Group Critical Illness Insurance
 Available to all employees; regularly scheduled 20 hours or more

                                                                    20
Group Hospital Indemnity (Care) Insurance
 Available to all employees; regularly scheduled 20 hours or more

                                                                    21
Pet Insurance

                22
Pet Insurance

                23
Important Notices
Livingston County Important Notices & Information Regarding Your Health
Insurance
The updates below reflect both changes and updates to your current health plan based on the Patient Protection and Affordable Care Act (PPACA), and
additional information regarding certain federal guidelines.

PREVENTIVE CARE
Medical* – Certain services, when billed as preventive, are covered at 100% due to the new Health Care Reform Law. Please note, the services must be
billed as preventive, not diagnostic. You may also wish to contact your insurance carrier in advance of a medical procedure that you may undergo to
determine what your benefit level is. In doing so, you will want to obtain the diagnosis and the billing code in advance that the Doctor's office or
Hospital will use for payment of the service you will be provided. With the diagnosis and billing code, customer service should be able to tell you exactly
how the service will be covered. Items on the Preventive Care Guidelines are covered with $0 copay can be found at
http://bcbsm.com/healthreform/index.shtml or http://www.uspreventiveservicestaskforce.org/uspstf/uspsabrecs.htm.

Pharmaceutical* – Certain preventive care prescription drugs are covered 100%.

*A complete list of covered preventive care services and prescription drugs can be found at
http://www.healthcare.gov/center/regulations/prevention/taskforce.html.

HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 (HIPAA)
The Health Insurance Portability and Accountability Act of 1996 (HIPAA) requires employer health plans to maintain the privacy of your health
information and to provide you with a notice of the Plan's legal duties and privacy practices with respect to your health information.

LIFETIME LIMIT NO LONGER APPLIES AND ENROLLMENT OPPORTUNITY
The lifetime limit on the dollar value of benefits under Livingston County's BCBSM plan no longer applies. Individuals whose coverage ended by reason
of reaching a lifetime limit under the plan are eligible to enroll in the plan. Individuals have 30 days from the date of this notice to request enrollment.
For more information contact Barb Ritchie at (517) 540-8793.

OPPORTUNITY TO ENROLL IN CONNECTION WITH EXTENSION OF DEPENDENT COVERAGE TO AGE 26
Individuals whose coverage ended, or who were denied coverage (or were not eligible for coverage), because the availability of dependent coverage of
children ended before attainment of age 26 are eligible to enroll Livingston County's BCBSM plan. Enrollment will be effective January 1,2019. For more
information contact Barb Ritchie at (517) 540-8793.

Women's Health and Cancer Rights Act of 1998 (Janet's Law)
Your plan, as required by the Women's Health and Cancer Rights Act of 1998, provides benefits for mastectomy-related services including
reconstruction and surgery to achieve symmetry between the breasts, prostheses, and complications resulting from a mastectomy (including
lymphedema). These benefits are subject to applicable terms and conditions under your health plan, including copayments, deductible, and
coinsurance provisions. They are also subject to medical insurance limitations and exclusions. This notification is a requirement of the act. If you would
like more information on WHCRA benefits, call Barb Ritchie at (517) 540-8793. The Women's Health and Cancer Rights Act (Women's Health Act) was
signed into law on October 21, 1998. The law includes important new protections for breast cancer patients who elect breast reconstruction in
connection with a mastectomy. The Women's Health Act amended the Employee Retirement Income Security Act of 1974 (ERISA) and the Public Health
Service Act (PHS Act} and is administered by the Departments of Labor and Health and Human Services.

Newborns' and Mothers' Health Protection Act
The Newborns' Act is a federal law that prohibits group health plans and insurance companies (including HMOs) that cover hospitalization in connection
with childbirth from restricting a mother's or newborn's benefits for such hospital stays to less than 48 hours following a natural delivery or 96 hours
following delivery by cesarean section, unless the attending doctor, nurse midwife or other licensed health care provider, in consultation with the
mother, discharges the mother or newborn child earlier.

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Important Notices
(CONTINUED FROM PREVIOUS PAGE)

Tell Us When You're Medicare Eligible

Please notify Human Resources when you or your dependents become eligible for Medicare. You will need to provide Human Resources
with a copy of your Medicare card. We are required to contact the insurer to inform them of your Medicare status. Federal law
determines whether Medicare or the health plan pays primary. You must also contact Medicare directly to notify them that you have
health care coverage through an employer group. Privacy laws prohibit anyone other than the Medicare beneficiary, or their legal
guardian, to update or change Medicare records. The toll free number to contact Medicare Coordination of Benefits Contractor is 800-
999-1118.

GENETIC INFORMATION NONDISCRIMINATION ACT OF 2008

The Genetic Information Nondiscrimination Act of2008 (GINA) prohibits employers and other entities covered by GINA Title II from
requesting or requiring genetic information of an individual or family member of the individual, except as specifically
allowed by this law. To comply with this law, we are asking that you not provide any genetic information when responding to this
request for medical information. 'Genetic Information' as defined by GINA, includes an individual's family medical history, the results of
an individual's or family member's genetic tests, the fact that an individual or an individual's family member sought or received genetic
services, and genetic information of a fetus carried by an individual or an individual's family member or an embryo lawfully held by an
individual or family member receiving assistive reproductive services.

MICHELLE'S LAW

Michelle’s Law is an act that requires health plans to allow college students who take a leave of absence or reduce their class load
because of illness to retain their dependent status under their parents’ health plan for up to one year. Students’ eligibility for dependent
coverage will continue for one year (unless the student would otherwise lose eligibility within the year). To qualify for protection under
Michelle’s Law, the following requirements must be met: the student must be enrolled as a full-time student immediately before the
leave of absence or scheduled reduction the student must have written certification from a treating physician that the leave of absence
or reduced schedule is necessary due to a severe illness or injury; and the leave or reduced schedule must have triggered the loss of
student status under the health plan. If the Plan Sponsor changes group health plans during a medically necessary leave and the new
health plan offers coverage of dependent children, the new plan will be subject to the same rules.

                                                                                                                                     25
Resources
                            SPECIAL ENROLLMENT NOTICE
If you are declining enrollment for yourself or your dependents (including your spouse) because of other health insurance
or group health plan coverage, you may be able to enroll yourself and your dependents in this plan if you or your
dependents lose eligibility for that other coverage (or if the employer stops contributing toward you or your dependents’
other coverage). However, you must request enrollment within 30 days after you or your dependents’ other coverage
ends (or after the employer stops contributing toward the other coverage). In addition, if you have a new dependent as a
result of marriage, birth, adoption, or placement for adoption, you may be able to enroll yourself and your dependents.
However, you must request enrollment within 30 days after the marriage, birth, adoption, or placement for adoption. To
request special enrollment or obtain more information, contact Barb Ritchie at (517) 540-8793 or britchie@livgov.com.
Benefit                                             Carrier                  Phone Number                             Website
                                        Blue Cross Blue Shield of           1-877-354-2583
Medical & Dental                                                             (or the number on the              www.bcbsm.com
                                               Michigan                     back of your BCBS card)

Vision                                             EyeMed                   1-866-804-0982                     www.eyemed.com
                                                                             1-800-36-Cigna
Flex Life & AD&D - Claims                           CIGNA                                                     www.cigna.com/life/
                                                                                (24462)
                                                                             1-800-36-Cigna
Long Term Disability - Claims                       CIGNA                                                        www.cigna.com
                                                                                (24462)
Group Critical Illness, Hospital
                                                    CIGNA                   1-800-754-3207                       www.cigna.com
Indemnity & Accident
Health Savings Account and
Limited Purpose Flexible                        Health Equity               1-866-346-5800                  www.healthequity.com
Spending Account
Flexible Spending Account                           Arcadia                 1-866-329-4333                www.arcadiabenefits.com

                                                                            1-517-540-8793                    britchie@livgov.com
Livingston County                            Human Resources
                                                                             (Barb Ritchie)                   www.livgov.com/HR

Online Visits                            Blue Cross Online Visits           1-844-606-1608                      www.bcbsm.com

Claims/Benefit Advocate                             Alight*                 1-800-715-4015*                      www.alight.com

Life Advisor EAP                                   Ulliance                 1-800-448-8326                  www.ulliance.com/eap/

Pet Insurance                                    Nationwide                 1-888-899-4874             www.petinsurance.com/livgov

This guide is designed as a reference to help eligible members enroll for benefits and answer many of the questions you might have about benefits
during the year. The legal documents and insurance contracts governing these plans will determine your benefits in the events of any omissions or
discrepancies. Your participation in these plans is not a contract of employment and does not guarantee your future employment. Livingston County
reserves the right to change or end any of the plans, at any time and for any reason, to the extent allowed by law.
*Alight Advocacy will be replaced by Health Advocate effective 1/1/19. Please contact HR for updated contact information.                      26
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