Benefits Guide Non Union Employees 2019 - Livingston County
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Benefits
2019
Guide
Non Union Employees
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.
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
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.
4
Ulliance Life Advisor EAP
5
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
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
7
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
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
9
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.
10Transparency Tool
11Health 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.
12Health 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.
13Flexible 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
14Limited-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
15Basic 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.
16Short 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.
17Voluntary 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
18Group Accident Insurance
Available to all employees; regularly scheduled 20 hours or more
19Group Critical Illness Insurance
Available to all employees; regularly scheduled 20 hours or more
20Group Hospital Indemnity (Care) Insurance
Available to all employees; regularly scheduled 20 hours or more
21Pet Insurance
22Pet Insurance
23Important 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.
24Important 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.
25Resources
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. 26You can also read
