BLOUNT COUNTY GOVERNMENT EMPLOYEE - 2021 GUIDE
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2021
BLOUNT COUNTY
GOVERNMENT
EMPLOYEE
GUIDE
2021 Employee Benefits Guide I 1
Welcome to the 2021 Employee Benefits Guide
Blount County Government recognizes the importance of benefits within the overall
compensation package provided to all of our eligible employees. This year when we
reviewed our employee benefits options, we focused not only on providing quality medical
plans but also on controlling the cost and financial risk for our employees. Please review the following
pages for a summary of our benefit offerings.
TABLE OF CONTENTS
Welcome & Table of Contents ............................................... 2
Contact Information ................................................................. 3
2021 At A Glance and Key Terms ........................................... 4
Care Coordinators .................................................................... 5
2nd MD ........................................................................................ 7
Understanding Your Medical Plan Options .......................... 8
Prescription Benefits ................................................................ 12
Care Options and When to Use Them ................................ 14
Convenient Care Plus ............................................................. 15
Flexible Spending Accounts (FSAs) ...................................... 17
Understanding Health Savings Account (HSAs) ................ 18
Dental Insurance ..................................................................... 20
Voluntary Vision Insurance..................................................... 21
Life Insurance and AD&D ...................................................... 22
Voluntary Coverages.............................................................. 23
Retirement ................................................................................ 27
Additional Services .................................................................. 29
Glossary of Terms and Video Links ....................................... 31
Important Notices .................................................................... 32
Throughout this booklet you will find video icons that will take you to resources that provide
additional information on the benefits available to you.
Blount County Government I 2
CONTACT INFORMATION
If you have any questions regarding your benefits, please contact your Care
Coordinators at Quantum Health, your Human Resources Department, or the CBIZ
Service Center.
Your Human Resources Department CBIZ Service Center
865.273.5780 865.251.5140
www.blounttn.org 9648 Kingston Pike, Ste 8
Knoxville, TN 37922
Care Coordinators
Quantum Health Telemedicine
www.blountcountybenefits.com Convenient Care Plus
1.866.952.0340 www.convenientcareplus.com
1.877.900.8701
Medical
Allegiance BARInet
www.askallegiance.com/blount www.barinet.com
1.855.999.1051 1.800.720.5831
Group Number: 2003090
Hours: Monday -- Friday 6 am -- 6 pm MST LTC Solutions—Long-Term Care
Email: LTCiBenefitsTeam@ltc-solutions.com
2nd Opinion Medical Consultation 1.877.286.2852
2nd.MD
www.2nd.MD/blountcounty Flexible Spending Account (FSA)
1.866.841.2575 Allegiance
www.askallegiance.com/blount
Prescription 1.855.999.1051
Magellan
www.magellanrx.com Health Savings Account
1.888.202.1654 Health Equity
Group Number: 2003090 www.healthequity.com
1.866.346.5800
Pay’d Health
www.paydhealth.com Retirement Plan - 401(k) and 457(b)
1.877.869.7772 www.retirereadytn.gov
1.800-922-7772
Blount Discount Pharmacy 8:00 am—7:00 pm CST
865.681.0520
Retirement Plan - Defined Benefit Plan
Dental Tennessee Consolidated Retirement System
Delta Dental of Tennessee www.treasury.tn.gov/tcrs/
www.deltadentaltn.com 1.800.922.7772
1.800.223.3104
Group Number: 4207 Employee Assistance Program
SupportLinc
Vision www.supportlinc.com
Superior Vision Username: blountcounty
www.superiorvision.com 1.888.881.LINC (5462)
1.800.507.3800
Group Number: 29382 Employee Clinic
Blount Memorial Physicians Group-Care Today Clinic
Life, AD&D, and Supplemental Plans 266 Joule St. Alcoa, TN 37701
USAble Life 865.983.0093
https://group.usablelife.com/tn/blount- Operating Hours:
county-government/ Monday - Friday: 7AM - 9PM
1.800.370.5856 Saturday, Sunday & Holidays: 8am - 6pm
Group Number: 50032939 Closed Thanksgiving and Christmas Day
2021 Employee Benefits Guide I 3
2021 AT A GLANCE
The plan year runs This year we will continue to offer three
medical plans through Allegiance to
January 1, 2021 - December 31, 2021 better provide for the needs of each of
our employees and their families.
There will be NO CHANGE to current plan
benefits
KEY TERMS Magellan RX will be the new vendor for
our prescription coverage.
Full-Time Employee: Defined as an employee working 30 or
more hours per week. Full benefits include all benefits in
accordance with Blount County Government policy. HOW TO MAKE CHANGES
● You are only allowed to make mid-year
Part-Time Employee: Defined as an employee working 20 to 29 changes if one of the following Qualified
hours per week. Partial benefits are provided in accordance Events occur: marriage, divorce, legal
separation, birth or adoption of a child,
with Blount County Government policy. change in child’s dependent status,
death of spouse, child or other qualified
dependent, change in residence due to
an employment transfer for you or your
spouse, commencement or termination
Eligible Employees may enroll themselves in benefits as well as their eligible of adoption proceedings, or change in
spouse’s benefits or employment status.
dependents. Employees may select any of the tiers below when adding
Your election changes must be submitted
dependent coverage. See key terms below for coverage selection:
to HR within 30 days of the qualifying
Employee only: Employees may select this tier if they wish only to enroll event.
themselves on the plan.
Employee + Spouse: Employees may select this tier if they wish to enroll WAIVING COVERAGE
themselves and their legal spouse on the plan. ● If you are declining enrollment for yourself
or your dependents (including your
Employee + Child(ren): Employees may select this tier if they wish to enroll spouse) because of other insurance
themselves and one or more children on the plan. coverage, you may in the future be able
to enroll yourself or your dependents in
Family: Employees may select this tier if they wish to enroll themselves, their
this plan, providing that you request
legal spouse, and one or more children on the plan. enrollment within 30 days after your other
creditable group or government
sponsored coverage ends.
COBRA
New employees who are benefits eligible must enroll within 30 days of ● COBRA continuation is offered to
covered employees, their spouses, their
their date of hire. New employee benefits are effective the first of the former spouses, and their dependent
month following 31 days of employment. children when group health coverage
would otherwise be lost due to certain
Children up to age 26 may be covered on your insurance plan, specific events. COBRA continuation
regardless of dependent status. At the end of the month that the applies to Medical, Pharmacy, Dental,
dependent turns 26, they will automatically be dropped from the Vision, and FSA. Qualified individuals may
be required to pay for the entire premium
insurance plan and offered COBRA coverage. A COBRA notice will be
for coverage up to 102 percent of the
mailed from the Medical carrier. cost of the plans selected and may
continue for up to 18 months or 36
Retiree Coverage: You may be able to continue your coverage upon
months (if applicable).
retirement (medical, dental, vision, and a basic life benefit of $10,000).
Please contact Human Resources for more information or guidelines.
Blount County Government I 4
HEALTH CARE COORDINATORS
Historically, you contacted your insurance company and physicians’ offices directly for questions
related to your healthcare benefits and services - that is changing!
As of January 1, 2021, your MyQHealth Care Coordinators are now your primary contact.
DEDICATED SUPPORT
Healthcare can be a difficult and costly journey that no one should have to navigate alone. We're with you
every step of the way. Think of MyQHealth as your personal healthcare guide. They are nurses, clinicians and
benefit specialists who take the time to get to know you and your family's unique health and wellness needs and
then they work with your providers to ensure you get the best possible care. They fight for your care so you don’t
have to.
PERSONALIZED GUIDANCE
From medical claims to check-ups to treatment plans, your Care Coordinators are here to help. MyQHealth’s
mission is to provide you with a simpler, more affordable healthcare experience for all of your medical, dental,
vision and prescription needs.
BENEFITS EXPERTISE
Figuring out what is or isn't covered by your plan can be confusing. Your Care Coordinators know your benefits
from top to bottom. When you have questions, call them. You may have benefits you're not even aware of.
CLAIMS SOLUTIONS
There isn't a billing issue their claims specialists can't solve. They break down even the most complex claim so
you always know exactly what has been paid and what is due. If you believe a claim has been unfairly denied,
MyQHealth will do the research and either resolve it on your behalf or explain why it was denied.
MOST COMMON ISSUES WE SOLVE
Receiving ID cards Saving money on out of pocket Learning simple steps to
costs improving your health
Answering claims, billing and
benefit questions Understanding how to get the Helping with medical needs -
most out of your benefits anything that can make the
Finding in-network providers
healthcare process easier for
Managing a health condition you
EARLY INTRO
Between December 1st and the plan effective date, January 1st, your Care Coordinators will be available by
phone to answer general procedural or benefits questions. Please keep in mind they will not have access to
your personal information, such as insurance claims or medical history, during this time.
2021 Employee Benefits Guide I 5
WHEN YOU DON’T KNOW
WHERE TO BEGIN,
START WITH US.
IF THERE’S A BETTER WAY FOR YOU
TO EXPERIENCE HEALTHCARE,
WE’LL FIND IT.
Think of us as your personal team of nurses,
From replacing ID cards to more benefit experts and claims specialists who will
complicated matters like claim do all we can to support your unique
resolutions, no request is too big healthcare needs. Each time you contact us,
or small for your MyQHealth you’ll talk to a real person who knows you,
your benefits and your health history.
Care Coordinators. We’re your
one resource to contact
whenever you need help with
your medical, dental, wellness
or pharmacy benefits.
Empowered and resourceful, MyQHealth We also help confirm precertification for
Care Coordinators do things like: services to make sure you’re always covered.
Verify coverage Answer claims,
Home Health and Oncology therapy
Provide health- billing and benefits
Hospice Dialysis
education questions
Skilled Nursing Mental Health/
resources Create health-
Facility admissions Substance Abuse:
Advocate for your improvement
plans Transplants Partial
care
Hospitalization
Help reduce MRI, MRA and PET
Help manage
unnecessary, out- scans Genetic Testing
chronic conditions
of-pocket costs Durable Medical
Find in-network
Equipment over
providers
$1500
Contact providers
to discuss
treatment
Blount County Government I 6
2021 Employee Benefits Guide I 7
MEDICAL INSURANCE
HOW TO GET STARTED
SELECT YOUR MEDICAL PLAN
□ OPTION 1: Gold Plan
□ OPTION 2: Silver Plan
□ OPTION 3: Bronze Plan
As a full-time employee of Blount County Government you have
TIP: Get the most out of
your insurance by using the choice between three medical plan options: two PPO plans
in-network providers. and a Qualified High Deductible Health Plan (QHDHP).
Regardless of the plan you select, your deductible will run from
January 1−December 31.
FREQUENTLY ASKED QUESTIONS
To locate an in-network provider, go to
How many hours do I need to work www.askallegiance.com/blount and click Find A Provider.
to be eligible for medical insurance?
Through the site, you will be able to access Blount County
You must be a full-time employee
Government’s PPO network.
working a minimum of 30 hours per
week on a regular basis.
Will I receive a new Medical
ID card? Healthcare BlueBook:
Yes, all employees will receive a
You may also visit Healthcare Bluebook to take advantage of
new medical ID card for the 2021
plan year. significant savings on the most common medical procedures.
Does the deductible run on All employees enrolling onto the health plan will have access to
a calendar year or policy this price transparency tool. Prices of healthcare procedures
year basis? often vary from 300% - 500%, within the same provider network
A calendar year basis. and same region.
How long can I cover my dependent Healthcare Bluebook provides detailed cost information on
children?
procedures at different facilities to give you the information you
Dependent children are eligible need to be an informed consumer. Healthcare Bluebook also
until the end of the month in
which they turn age 26. provides a tool that measures the quality of healthcare provided
by both hospitals and doctors.
I just got hired. When will my benefits
become effective? Color-coded results are displayed for members to see, so you
Your medical insurance will begin can compare price and quality ranking:
on the 1st of the month following
thirty-one (31) days of
employment for full-time
employees.
Blount County Government I 8
MONTHLY PREMIUMS
Gold Plan Full Monthly Premium Employer Contribution Employee Monthly Cost
Employee Only $731.00 $573.00 $158.00
Employee + Spouse $1,677.00 $1,315.00 $362.00
Employee + Child(ren) $1,649.00 $1,294.00 $355.00
Family $1,704.00 $1,337.00 $367.00
Silver Plan Full Monthly Premium Employer Contribution Employee Monthly Cost
Employee Only $674.00 $573.00 $101.00
Employee + Spouse $1,547.00 $1,315.00 $232.00
Employee + Child(ren) $1,522.00 $1,294.00 $228.00
Family $1,572.00 $1,337.00 $235.00
Bronze Plan Full Monthly Premium Employer Contribution Employee Monthly Cost
Employee Only $637.00 $573.00 $64.00
Employee + Spouse $1,463.00 $1,315.00 $148.00
Employee + Child(ren) $1,439.00 $1,294.00 $145.00
Family $1,488.00 $1,337.00 $151.00
SPOUSAL SURCHARGE
A spousal surcharge of $50 will be applied in addition to the above Employee + Spouse and Family rates if the
employee’s spouse works full time equivalent hours and has other coverage available through his or her own
employer (with a deductible of $2,000 or less), and chooses to enroll in the Blount County Government Plan instead
of their own coverage available. The spousal surcharge does not apply to spouses who are not employed or
whose employers do not offer health insurance. The spousal surcharge is not applicable to coverage for children.
The surcharge is designed to encourage spouses to use their own available health coverage and to contribute to
the added cost of covering spouses who choose not to do so.
A spousal surcharge of $250 will be applied in addition to the above Employee + Spouse and Family rates if the
employee’s spouse works full time equivalent hours and has other coverage available through his or her own
employer that offers monetary incentives if he or she waives their health plan and chooses to enroll in the Blount
County Government Plan instead of their own coverage available. The spousal surcharge does not apply to
spouses who are not employed or whose employers do not offer health insurance. The spousal surcharge is not
applicable to coverage for children. The surcharge is designed to encourage spouses to use their own available
health coverage and to contribute to the added cost of covering spouses who choose not to do so.
2021 Employee Benefits Guide I 9
MEDICAL PLAN OPTIONS
IN-NETWORK BENEFITS
Gold Plan Silver Plan Bronze Plan
Calendar Year Deductible
$750 / $1,500 $1,500 / $3,000 $3,000 / $6,000
Individual / Family
Deductibles incurred in the last quarter of the calendar
year (October 1 thru December 31) will carry over to
next year’s calendar year deductible
Supplemental Accident First $300 paid at 100%
Percentage Payable
85% after deductible 85% after deductible 100% after deductible
(unless otherwise stated)
Out-of-Pocket Maximum
$3,000 per covered person $4,500 / $9,000 $3,000 / $6,000
Individual / Family
The out-of-pocket maximum includes deductibles and medical copayments, but excludes cost containment penalties, amounts paid for
non-covered services, or reductions in allowed amounts as a result of seeking service from an out-of-network provider.
PERVENTIVE CARE
Preventive Care 100%, no deductible 100%, no deductible 100%, no deductible
Preventive/Routine Lab and X-Ray 100%, no deductible 100%, no deductible 100%, no deductible
Pap Smear and Mammogram 100%, no deductible 100%, no deductible 100%, no deductible
Prostate Screening 100%, no deductible 100%, no deductible 100%, no deductible
Child Immunizations 100%, no deductible 100%, no deductible 100%, no deductible
Adult Immunizations 100%, no deductible 100%, no deductible 100%, no deductible
Colonoscopies 100%, no deductible 100%, no deductible 100%, no deductible
PHYSICIAN SERVICES
$25 copay - Primary Care
Office Visits 85% after deductible 100% after deductible
$45 copay - Specialist
100% covered after
Diagnostic X-ray and Lab 85% after deductible 100% after deductible
Office Visit Copay
Allergy Injections 85% after deductible 100% covered 100% after deductible
Inpatient Services 85% after deductible 85% after deductible 100% after deductible
Outpatient Services 85% after deductible 85% after deductible 100% after deductible
100% covered after
Outpatient and Office Surgery 85%, no deductible Office Visit Copay 100% after deductible
FACILITY SERVICES
Inpatient Services 85% after deductible 85% after deductible 100% after deductible
Outpatient Services 85% after deductible 85% after deductible 100% after deductible
Outpatient Surgery 85%, no deductible 85% after deductible 100% after deductible
Outpatient Advanced Imaging
(PET, MRI, MRA, CAT, SPECT) In a hospital, 85% after deductible 85% after deductible 100% after deductible
freestanding facility or clinic
85% after deductible, then 85% after deductible, then
Emergency Room/Services $150 copay (copay waived if $150 copay (copay waived if 100% after deductible
admitted) admitted)
Blount County Government I 10MEDICAL PLAN OPTIONS
IN-NETWORK BENEFITS
Gold Plan Silver Plan Bronze Plan
OTHER SERVICES
Skilled Nursing Facility
85% after deductible 85% after deductible 100% after deductible
(limited to 100 days per calendar year)
Hospice Care 85% after deductible 85% after deductible 100% after deductible
Home Health Care
85% after deductible 85% after deductible 100% after deductible
(limited to 80 visits per calendar year)
Chiropractic Care*
(limited to 25 visits per calendar year)
85% after deductible $45 Specialist copay 100% after deductible
*Only the in-network deductible applies.
X-rays are covered for the initial visit only.
Physical, Occupational, Speech,
Audiology, and Cognitive Therapy
(visits in excess of 20 per type of therapy 85% after deductible $45 Specialist copay 100% after deductible
per calendar year require prior
authorization)
Urgent Care 85% after deductible $45 Specialist copay 100% after deductible
Durable Medical Equipment 85% after deductible 85% after deductible 100% after deductible
Prosthesis
85% after deductible 85% after deductible 100% after deductible
(requires prior authorization)
Ambulance 85% after deductible 85% after deductible 100% after deductible
Maternity 85% after deductible 85% after deductible 100% after deductible
Non-Surgical TMJ
85% after deductible 85% after deductible 100% after deductible
(limited to $1,500 per calendar year)
Transplant Services
85% after deductible 85% after deductible 100% after deductible
(requires prior authorization)
MENTAL HEALTH, CHEMICAL, AND ALCOHOL DEPENDENCY SERVICES
Inpatient services require pre-admission certification
Inpatient Facility 85% after deductible 85% after deductible 100% after deductible
Inpatient Physician 85% after deductible 85% after deductible 100% after deductible
Outpatient Facility 85% after deductible 85% after deductible 100% after deductible
Outpatient Physician 85% after deductible 85% after deductible 100% after deductible
Office Visit 85% after deductible $25 PCP copay 100% after deductible
Please Note: While all three plans give you the option of using out-of-network providers, you can save
money by using in-network providers because Allegiance has negotiated significant discounts with them.
The benefit percentage will be the same for in-network providers both inside and outside of Blount County.
If you choose to go out-of-network, you’ll be responsible for the difference between the actual charge
and the Allegiance UCR (Usual, Customary and Reasonable) charge, plus your out-of-network deductible
and coinsurance.
Medical Plan Sum-
Deductible / Copay / Coinsurance / Out-of-Pocket
HDHP vs. PPO
2021 Employee Benefits Guide I 11PRESCRIPTION BENEFITS
(INCLUDED WITH MEDICAL)
Employees enrolled in the Blount County Government health plan have prescription drug
coverage included as part of the health plan benefits. Prescription benefits are administered
by the health plan’s prescription benefit manager (PBM), which is Magellan. Benefit
information for your prescription drug coverage is included on your medical ID card from
Allegiance - a separate ID card is not needed. Magellan has thousands of participating
pharmacies in their network.
As a way to save time and money, members can choose to fill a 90-day supply of medications for chronic
conditions either through Magellan’s mail order service or at any in-network pharmacy location. Regardless of
your choice, you will experience a lower out of pocket cost!
You can visit the Magellan RX website to obtain more information about both of these convenient options.
Medical - Gold and Silver Plans
Prescription Drugs Retail - 30 day supply Mail Order - 90-day supply
Out-of-Pocket Maximum $2,000 per person (separate from medical plan)
Generic $10 copay $20 copay
30% coinsurance, up to a 30% coinsurance, up to a
Preferred Brand
maximum copay of $60 maximum copay of $120
40% coinsurance, up to a 40% coinsurance, up to a
Non-Preferred Brand
maximum copay of $100 maximum copay of $200
50% coinsurance, up to a
Specialty Not available
maximum copay of $200
Medical - Bronze Plan
Prescription Drugs Retail - 30 day supply Mail Order - 90-day supply
Out-of-Pocket Maximum Included with the Medical Plan Out-of-Pocket Maximum
Covered at 100% after Covered at 100% after
Generic
deductible deductible
Covered at 100% after Covered at 100% after
Preferred Brand
deductible deductible
Covered at 100% after Covered at 100% after
Non-Preferred Brand
deductible deductible
Covered at 100% after
Specialty Not available
deductible
Blount County Government I 12PRESCRIPTION BENEFITS
(CONTINUED)
Additional Prescription Drug Benefit (paydhealth Program)
Your prescription drug plan has been enhanced to offer you the
opportunity to substantially reduce your out-of-pocket cost for specialty
drugs.
Effective January 1, 2021, Blount County Government will be adding to it’s prescription drug
plan a program through paydhealth called the Select Drugs and Products Program. This
enhancement will provide additional support to plan participants who are prescribed
specialty drugs and products.
Select Drugs and Products Program
Participation is required of those plan participants seeking coverage for products included
on the Select Drugs and Products List. All products included in the program require prior
authorization. A Reimbursement Case Coordinator from the program will assist you with
accessing and making these high cost specialty drugs affordable.
If you are taking a specialty medication, you will be contacted by paydhealth. They will
provide you with the necessary forms to complete and return. Once the paperwork has
been completed an advocate will contact you to finalize the process. This process must be
completed prior to any prescriptions being filled.
The Specialty Contact Center may be reached toll-free at (877) 869-7772 from 8 a.m. to 8
p.m. CT, Monday through Friday.
2021 Employee Benefits Guide I 13QUICK TIPS ON CARE
BLUECROSS OPTIONS
BLUESHIELD Primary Care vs Urgent Care vs ER
CARE OPTIONS AND TIPS
While we recommend that you seek routine medical care from your primary care physician whenever possible, there are
alternatives available to you. Services may vary, so it’s a good idea to visit the healthcare provider’s website. Be sure to
check that the facility is in-network by calling the toll-free number on the back of your medical ID card, or by visiting
www.blountcountybenefits.com.
PRIMARY CARE
For routine, primary/ preventive care or non-urgent
● Routine, primary/
treatment, we recommend going to your doctor’s office.
preventive care
PRIMARY Your doctor knows you and your health history and has
● Non-urgent treatment
CARE access to your medical records. You may also pay the least
● Vaccinations amount out of pocket.
● Screenings
TELEMEDICINE (CONVENIENT CARE PLUS)
Telemedicine lets you see and talk to a doctor from
● Cold/flu ● Rash your mobile device or computer without an appointment,
● Diarrhea ● Sinus anytime and anywhere! Convenient Care Plus brings you
TELEMEDICINE Problems care from the comfort and convenience of your home or
● Fever
wherever you are. Download the app once your benefits
become active!
CONVENIENCE CARE
● Common infections (ear These providers are a good alternative when you are not
infections, pink eye, strep able to get to your doctor’s office and your condition is not
throat) urgent or an emergency.
CONVENIENCE
CARE ● Flu shots They are often located in malls or retail stores (such as CVS
● Pregnancy tests Caremark, Walgreens, Wal-Mart and Target), and generally
serve patients 18 months of age or older without an
appointment. Services may be provided at a lower out-of-
pocket cost than an urgent care center.
● Sprains ● Minor URGENT CARE
URGENT ● Small cuts infections Sometimes you need medical care fast, but a trip to the
CARE emergency room may not be necessary.
● Strains
● Sore throats During office hours, you may be able to go to your doctor’s
office. Outside regular office hours—or if you can’t be seen
by your doctor immediately—you may consider going to
an Urgent Care Center, where you can generally be
● Spinal injuries treated for many minor medical problems faster than at an
● Heavy
bleeding ● Difficulty emergency room.
EMERGENCY
ROOM ● Large open breathing
wounds ● Major burns EMERGENCY ROOM
● Chest pain An emergency medical condition is any condition
(including severe pain) which you believe that without
immediate medical care may result in serious injury or is life
threatening.
If you believe you are experiencing a
Emergency services are always considered
medical emergency, go to the nearest
in-network. If you receive treatment for an emergency in a
emergency room or call 911, even if your
symptoms are not described here.
CALL 9-1-1 non-network facility, you may be transferred to an in-
network facility once your condition has been stabilized.
Blount County Government I 14CONVENIENT CARE PLUS
A Convenient Care Plus membership allows 24/7 unlimited access to a healthcare
provider for basic illnesses such as cold and flu, infections, pink eye, sore throat, allergies, and more. You are eligible for
this benefit the first of the month following 31 days of employment.
Depending on the membership level that you select, your plan will include some or all of the following features:
Telemedicine– 24/7/365 telephone access to a licensed physician
Generic RX Prescription Plan– Several medications are covered at no charge CCP
Patient Advocate– Helps navigate healthcare and insurance issues
Medical Bill Saver– Negotiates medical bills or balances over $400
Clinic Visits - See a healthcare provider in person for minor illnesses and injuries at one of the network clinics for a $30
copay (level 2 only; see the app for a list of network providers).
Services Level 2 Level 3
Unlimited Telemedicine
Unlimited Clinic Visits
Generic Prescriptions
Member Plans & Fees
Blount County Premium Contribution - Full Time Employees Only $5 / month $5 / month
Employee Cost - Individual & Individual + 1 $11.50 / month $6 / month
Employee Cost - Family $26.50 / month $6 / month
Clinic Visit Fee $30 / visit N/A
GENERIC RX PROGRAM
Members can obtain the following generic medications at no charge using the CCP formulary.
2021 Employee Benefits Guide I 15TELEHEALTH
Access to a nurse or doctor 24/7. Call 877-900-8701
No travel, no waiting and no missed work! Speak to a nurse/doctor from home or work by phone or video.
Get treatment for common conditions such as allergies, sore throat, infections and more.
Prescriptions sent electronically to your local pharmacy.
ON-SITE VISITS
$30 visit fee - Level 2 only
Call 877-900-8701 to see a healthcare provider in person at one of our approved local clinics.
Most of our clinics offer extended evening and weekend hours for your convenience.
Same-day visits are available at most of our provider locations.
$150 CCP maximum cap coverage per visit. The member is responsible for charges above $150.
GENERIC RX PROGRAM
Visit www.convenientcareplus.com for the most updated list of episodic medications available to
our members.
PATIENT ADVOCACY
Your membership gives you additional health and wellness resources.
Core Advocacy: Personal Health Advocates help you and your family navigate healthcare and
insurance-related issues, 24/7 / 365
Medical Bill Saver: Negotiates medical bill son balances over $400
INTERNET IDENTITY GUARD
Level 2 only
To register and activate, log onto www.convenientcareplus.com and click on the Internet Identity
Guard button/icon.
Your membership gives you access to secure email accounts, digital vault, safe browsing (VPN) and
Identity monitoring.
Identity monitoring $1 million insurance benefit & unlimited restoration and recovery from identity
theft.
ID CARD
Member ID # on card below to be handwritten by member in this format– FML+10 digit phone
number (Initials from First, Middle and Last name– ex: JQP5556667788
Blount County Government I 16FLEXIBLE SPENDING
ACCOUNT (FSA) What is a Flexible Spending Account?
2020 Maximum Contributions
*2021 Maximum has not yet been released
FLEXIBLE SPENDING ACCOUNT Health Care Flexible Spending Account $2,750 max
This account enables you to pay medical, dental,
Dependent Care Expense Account $5,000 max
vision, and prescription drug expenses that may or
may not be covered under your insurance program Medical FSA Carryover $550 max
(or your spouse’s) with pre-tax dollars. You can also DEPENDENT CARE EXPENSE ACCOUNT
pay for dependent health care, even if you choose This account gives you the opportunity to
single (vs. family) coverage. redirect a portion of your annual pay on a
pre-tax basis to pay for dependent care
The total amount of your annual election is available
expenses. An eligible dependent is any
to you up front, reducing the chance of having a
member of your household for whom you
large out-of-pocket expense early in the plan year.
can claim expenses on your Federal
Note: You can rollover up to $550 of unused funds to
Income Tax Form 2441, “Credit for Child
the next year. Any remaining amounts over $550 will
and Dependent Care Expenses.” Children
be forfeited.
must be under age 13.
Eligible Expenses Examples Care centers which qualify include
dependent care centers, preschool
● Alcoholism treatment ● Laboratory fees
educational institutions, and qualified
● Artificial limbs ● Licensed osteopaths
individuals (as long as the caregiver is not a
● Ambulance ● Licensed practical nurses family member and reports income for tax
● Braces ● Orthodontia purposes).
● Chiropractors ● Orthopedic shoes
Before deciding to use the Dependent
● Coinsurance and
copayments ● Obstetrical expenses Care Expense Account, it would be wise to
● Contact lens solution ● Oxygen compare its tax benefit to that of claiming
● Contraceptives ● Prescription drugs
a child care tax credit when filing your tax
return. You may want to check with your
● Crutches ● Podiatrists
tax advisor to determine which method is
● Dental expenses ● Psychiatric care
best for you and your family. Any unused
● Dentures ● Psychologist expenses
portion of your account balance at the
● Dermatologists ● Routine physical end of the plan year is forfeited.
● Diagnostic expenses ● Seeing-eye dog expenses
How the Health Care Flexible Spending
● Eyeglasses, including exam ● Smoking cessation
fee programs Account Works
When you have out-of-pocket expenses
● Handicapped care and ● Sterilization and reversals
support (such as copayments and deductibles),
● Nutrition counseling ● Substance abuse treatment you can use your FSA debit card to pay
● Hearing devices and for these expenses at qualified providers.
batteries ● Surgical expenses
Reimbursement is issued to you through
● Hospital bills ● Prescribed vitamin
supplements (medically
direct deposit into your bank account, or
● Deductible Amounts necessary) if you prefer, a check can be issued to
you. 2021 Employee Benefits Guide I 17HEALTH SAVINGS ACCOUNT
(HSA) WHAT ARE THE RULES?
● You must be covered under a Qualified
Two ways you can put money into your HSA: High Deductible Health plan (QHDHP) in order
(1) Regular payroll deductions on a pre-tax to establish an HSA (Bronze plan).
basis and (2) lump-sum contributions of any ● You cannot establish an HSA if you or your
amount, anytime, up to the maximum limit. spouse also have a medical FSA, unless it is a
Limited Purpose FSA.
● You cannot be enrolled in Medicare
UNDERSTANDING A HEALTH SAVINGS
or Tricare due to age or disability.
ACCOUNT (HSA)
● You cannot set up an HSA if you have
insurance coverage under another plan, for
WHAT IS AN HSA?
example your spouse’s employer, unless that
A savings account where you can either direct pre- secondary coverage is also a qualified high
tax payroll deductions or deposit money to be used deductible health plan.
to pay for current or future qualified medical ● You cannot be claimed as a dependent under
expenses for you and/or your dependents. Once someone else’s tax return.
money goes into the account, it’s yours to keep—
the HSA is owned by you, just like a personal WHAT ELSE SHOULD I KNOW?
checking or savings account.
● SAVE: You can invest up to the IRS’s annual
contribution limit. Contributions are based on a
THE HSA CAN ALSO BE AN calendar year. The contribution limits for 2021
INVESTMENT OPPORTUNITY. are $3,600 for Single and $7,200 for Family
Depending upon your HSA
Contribute coverage. If you’re age 55 or older, you are
up to allowed to make extra contributions each
account balance, your
account can grow tax-free
$3,600 year ($1,000).
Single, or ● GROW: The contributions grow tax-free and
in an investment of your
choice (like an interest- $7,200 come out tax-free as long as you utilize the
funds for approved services based on the IRS
Family Publication 502, (medical, dental, vision
bearing savings account, a
expenses and over-the-counter medications
money market account, a
with a physician’s prescription).
wide variety of mutual
● OWN: Your unused contributions roll over from
funds—or all three). Of course, your funds are year to year and can be taken with you if you
always available if you need them for qualified leave your current job.
health care expenses. ● CHOOSE: If you use the money for non-qualified
expenses, then the money becomes taxable
and subject to a 20% excise tax penalty (like in
YOUR FUNDS CAN CARRY OVER
an IRA account).
AND EVEN GROW OVER TIME.
The money always belongs to you, even if you ● There is no penalty for distributions following
death, disability (as defined in IRC 72), or
cease employment with Blount County, and attainment of Medicare eligibility age, but
unused funds carry over from year to year. You taxes would apply for non-qualified
never have to worry about losing your money. That distributions.
means if you don’t use a lot of health care services ● If your healthcare expenses are more than your
now, your HSA funds will be there if you need them HSA balance, you need to pay the remaining
cost another way, such as a credit card or
in the future - even after retirement.
personal check. You can request
reimbursement later, after you have
HSA FUNDS CAN BE USED FOR YOUR FAMILY. accumulated more money in your account.
You can use your HSA for your spouse and tax But save your receipts in case you are ever
audited!
dependents for their eligible expenses - even if
they’re not covered by your medical plan.
Blount County Government I 18YOU CAN USE HSA FUNDS FOR
IRS-APPROVED ITEMS SUCH AS:
FREQUENTLY ASKED QUESTIONS:
● Doctor's office visits
● Dental services
● Eye exams, eyeglasses, laser surgery, What will I pay at
contact lenses and solution the pharmacy with the HSA
● Hearing aids qualified plan options?
● Orthodontia, dental cleanings, and fillings
You will pay the actual
discounted cost of the drug
● Prescription drugs and some over-the-
counter medications (with a physician’s until you satisfy your
prescription) calendar year deductible in
● Physical therapy, speech therapy, and full.
chiropractic expenses
More information about approved items,
plus additional details about the HSA, is
available at irs.gov. What will I pay at the
physician’s office with the
Every time you use your HSA, save your HSA qualified plan?
receipt in case the IRS asks you to prove You’ll provide your ID card at the time
your claim was for a qualified expense. If of the visit and the physician’s office will
you use HSA funds for a non-qualified submit the claim to Allegiance. You will
expense, you will pay tax and a penalty on not owe anything at the time of the visit.
those funds. Later you’ll receive an Explanation of
The HSA is your personal account and Benefits (EOB) from Allegiance that
contains your personal funds. It can be shows the charges discounted based
considered an asset by a creditor and on their contract with the physician.
garnished as applicable. When you receive a bill from the
physician’s office, you pay the portion
As an HSA account holder, you will be of the discounted cost you are
required to file a Form 8889 with the IRS responsible
each year. This form identifies any
for as shown on the EOB.
contributions, distributions, or earned
interest associated with your account. Where can I get
a copy of an EOB?
You can access all of your
EOB information, as well as
obtain other important
information, by logging on
to
www.blountcountybenefits
.com
What is a Health Savings Account?
2021 Employee Benefits Guide I 19HOW TO FIND A DENTIST
To find a Delta Dental provider in your area, visit
DENTAL INSURANCE www.deltadentaltn.com
● Scroll down to “Find a Dentist”
● Select a specialty and “Delta Dental PPO”
● Enter your zip code and click “Find a Dentist”
Dental benefits are effective the first of the month
following 31 days of full time employment. As an ● You can apply additional filters to narrow your search or
leave them blank for a complete directory
employee at Blount County Government, your dental
benefits are provided through Delta Dental of Tennessee under a PPO Plan. The benefit levels are the same in-
network and out-of-network. If services are provided by an in-network provider, your provider agrees to a negotiated
charge and you will not be responsible for balance billing. Additionally, the provider’s office will file a claim for you so
there is no paperwork for you to complete.
Dental services are divided into four coverages. Preventive procedures include exams, x-rays and preventive care
and is paid entirely by the plan. Basic procedures include basic restorative treatment, endodontics, oral surgery, and
periodontics. Major procedures include complex restorative surgeries and prosthodontics. Orthodontia refers to
orthodontic procedures.
As a member of Delta Dental of TN, you have access to the nation’s largest dental networks: Delta Dental PPO and
Delta Dental Premier. With 3 out of 4 dentists participating, these two networks provide great access to care as well
as the privilege of reduced rates through Delta Dental’s agreed upon fees with dentists. When seeing a dentist in
either the PPO or Premier networks, you cannot be balance billed - giving you added savings. You are also free to
visit non-network dentists, but you may be balance billed. If services are provided by a non-network provider,
charges in excess of the 80th percentile of usual and customary charges will be your responsibility.
Please be sure to consult either the online directory or call Delta Dental Customer Service (800.223.3104) to confirm
that your dentist is in the network.
Dental Plan Summary What is Dental Insurance?
Delta Dental Full Monthly Premium Employer Monthly Employee Monthly
Contributions Deduction
Employee Only $26.57 $21.57 $5.00
Family (Employee + Dependents) $83.31 $21.57 $61.74
In-Network
Plan Year Annual Deductible
Individual / Family
$50 / $150
Plan Year Annual Maximum Benefit $1,200 per covered person
Orthodontia Lifetime Maximum $1,000
(12 month waiting period)
Preventive Services 100% , deductible does not apply
Basic Services 80% after deductible
Major Services 50% after deductible
Orthodontia Services
(children only, to age 19) 50%, deductible does not apply
Blount County Government I 20HOW TO FIND A PROVIDER
VOLUNTARY VISION To find a provider in your area, visit superiorvision.com
INSURANCE ● Click on “Find an eye care professional” at the top of the
page
● Enter your location, coverage type, Superior National
The Blount County vision plan covers routine eye care, Network, and click search.
including eye exams and eyeglasses (lenses and frames)
or contacts. When you choose an in-network provider for your eye exam and materials, you are responsible for
the copay only. If you choose a provider that is not in network, Superior Vision will reimburse you according to
the plan’s non-network benefit schedule (listed below under “Out-of-Network Provider”).
Superior Vision has contracted with providers who specialize in the highly publicized elective procedures of
Radial Keratotomy (RK), Photo Refractive Keratotomy (PRK), and LASIK to provide a 20% discount off their usual
customary surgical fee for members.
Go to www.superiorvision.com to find an in-network provider near you, and to order and print I.D. cards.
Vision Plan Summary What is Vision Insurance?
Full Monthly Employer Monthly Employee Monthly
Premium Contribution Deduction
Employee $8.88 N/A $8.88
Employee & Spouse $17.53 N/A $17.53
Employee & Child(ren) $17.18 N/A $17.18
Employee & Family $26.15 N/A $26.15
In-Network Out-of-Network
Vision Exam
Covered every 12 months
Ophthalmologist (M.D.) Covered in full after $10 copay Plan pays up to $34
Optometrist (O.D.) Plan pays up to $26
Frames
Plan pays up to $125 after $10 copay Plan pays up to $65
Covered every 24 months
Lenses
Covered every 12 months
Single Plan pays up to $32
Bifocal Plan pays up to $46
Covered in full after $10 copay
Trifocal Plan pays up to $57
Lenticular Plan pays up to $90
Progressive Plan pays up to $46
Contact Lenses
Covered every 12 months - in lieu of glasses
Medically necessary Covered in full Plan pays up to $210
Cosmetic (Elective) Plan pays up to $120 Plan pays up to $100
Standard Contact Lens Fitting Exam Fee* $25 copay Not covered
Specialty Contact Lens Fitting Exam Fee $50 allowance Not covered
*Standard contact lens fitting fee applied to an existing contact lens user who wears disposable, daily wear, or extended lenses only. The specialty contact lens
fitting fee applies to new contact lens wearers and/or a member who wears toric, gas permeable, or multi-focal lenses. For the specialty fit, the member is
responsible for any charges over $50.
2021 Employee Benefits Guide I 21LIFE INSURANCE AND AD&D
Beyond providing financial security for your loved
ones, life insurance can also offer you: financial
REVIEW YOUR protection for your loved ones or business,
LIFE INSURANCE POLICY supplemental retirement income, protection from
long-term care expenses, and many more.
□ Basic Life / AD&D
□ Supplemental Life / AD&D Consider your options with your loved ones in mind.
BASIC LIFE / AD&D What is Term Life Insurance?
Basic Life/AD&D Insurance is a County provided benefit offered at no cost to you through USAble
Life Insurance Company. The coverage amount is one times your annual salary up to a maximum
of $50,000. The definition of earnings is based on your prior year’s W-2. AD&D Insurance pays an
additional percentage of the amount of your life insurance benefit based on a specific list of
losses such as loss of life, limb, or sight due to an accident.
You are eligible for this benefit the first of the month following 31 days of full-time employment.
If you have questions or need to update your beneficiaries, please contact the Human Resources
Department.
*Benefits reduce by 50% of the original amount at age 70, and further reduce by 70% of the original amount
at age 75, and 80% of the original amount at age 80.
*some exclusions apply
Upon becoming ineligible for group insurance (ex: leaving employment), you may be eligible to convert your Basic Life
benefit to an Individual Whole Life policy. This must be done within 31 days after the date your insurance ends. The rate
for the converted policy is based on the age of the individual at the time of conversion. Contact Human Resources or
USAble Life for more information.
VOLUNTARY TERM LIFE
Voluntary Term Life can be purchased for you and your spouse in increments of $10,000 up to
$300,000 (not to exceed 7x annual earnings). Coverage is also available for children up to $10,000.
The guaranteed issue amount for employees is $200,000; spouse is $30,000; and child(ren) is $10,000.
*All life insurance amounts are subject to age reductions, and terminates at retirement - see plan
documents for details.
*Voluntary spouse and child coverage can only be purchased if the employee has elected coverage and
cannot exceed employee’s elected amount.
*Amounts in excess of the guaranteed issue amounts require medical underwriting (EOI).
*Children can be covered until they reach age 26.
If you do not enroll in voluntary life insurance coverage upon initial eligibility (within 31 days of your date of hire), you may be asked to
complete an Evidence of insurability form if you wish to enroll (or increase your coverage) at a later date.
Upon becoming ineligible for group insurance (ex: termination of employment), you may be eligible to port or convert your current
coverage. This must be done within 31 days after the date your insurance ends. Contact Human Resources or USAble Life for more
information.
Blount County Government I 22VOLUNTARY COVERAGES
Hospital Procedure/Service Select
First-Day Hospital
$750
Confinement (10 per year)
□ Hospital Care
□ Cancer Care Daily Hospital Confinement
(per day, up to 180 days)
$150
Intensive Care Confinement
HOSPITAL CARE $225
(per day, up to 15 days)
This plan provides a reassuring layer of financial Ground Ambulance (3 per
$120
protection for you and your family by paying you cash to year)
cover the unexpected expenses in the event of
Air Ambulance (3 per year) $750
hospitalization. Benefits are paid directly to you, with no
coordination of benefits with the medical plan. The plan Surgical Benefit (based on surgical schedule) - examples:
provides coverage for hospitalization, intensive care,
Coronary Bypass $1,000
ambulance, and wellness. It is portable; you can take it
with you even if you leave employment. Coverage is Appendix Removal $220
available for you, your spouse, and eligible dependents.
Gallbladder Removal $284
What is Hospital Care? Anesthesia 5% of surgical benefit
Preoperative Visit 1.5% of surgical benefit
Second Surgical Opinion 1.5% of surgical benefit
CANCER CARE
Diagnostic Procedure (per
$50
procedure, up to 3 per year)
What is Cancer Care? Emergency Treatment (3 per
N/A
year)
USAble Life’s Cancer Care Plan can help offset the out-of- Physician Office Visit (5 per
pocket medical and non-medical expenses related to N/A
year)
cancer that most medical plans don’t cover. This coverage
provides benefits that you can use to help with the loss of Wellness Benefit Select
income, child care, lodging and meals, deductibles and Annual Benefit Amount $45
copays, and much more. A lump sum benefit is paid to the
To promote healthier routines, insureds can receive an annual payment for
member upon first diagnosis of a covered cancer. You can
having covered health screenings and tests, such as a mammogram, Pap
choose policy amounts in $5,000 increments up to $50,000.
test, PSA (prostate-Specific Antigen) test, and colonoscopy.
This plan is portable; you can take if with you even if you
leave Blount County. The plan pays YOU directly in the event
Percentage of Policy
of a covered cancer diagnosis or treatment. Coverage is Cancer Care Coverage
Amount
available for you, your spouse, and eligible dependents and
premiums are payroll deducted. Spouse and dependent Cancer Diagnosis 100%
coverage cannot exceed the amount of employee
Bone Marrow Transplant 100%
coverage elected. It includes recurrent benefit which
extends coverage to a second covered diagnosis, enabling Prostate Cancer and/or
30%
insured employees to receive benefits up to 200% of the Carcinoma In Situ
plan’s value. To promote healthier routines, insureds can
Skin Cancer Diagnosis 10%
receive an annual payment of $100 for having covered
health screenings and tests, such as mammogram, Pap test, $75 lifetime, one-time
Cancer Vaccine
PSA test, and colonoscopy. payment
If enrolled in cancer care, you cannot enroll in the critical care & Cancer Treatment & $50/month, up to 12
cancer policy. Care months
2021 Employee Benefits Guide I 23VOLUNTARY COVERAGES
□ Critical Care & Cancer
□ Accident Recovery
Premiums are payroll deducted and paid entirely by you.
Please contact the Human resources Department or USAble
Life for more information or to enroll in one of these coverages.
CRITICAL CARE & CANCER Coverage Percent of Policy Amount
Cancer Diagnosis 100%
USAble Life’s Group Critical Care Heart Attack/Stroke 100%
insurance helps you to maintain financial
Major Organ Transplant 100%
security during the lengthy, expensive
recovery period of a serious medical event such Bone Marrow Transplant 100%
as cancer, heart attack, or stroke. It provides a End-Stage Renal Failure 100%
lump sum benefit to help with the out-of-pocket
medical and/or non-medical expenses of critical Burns (3rd degree, over at 100%
least 50% of body)
illness and/or cancer. You can choose policy
amounts in $5,000 increments up to $50,000. This Specified Diseases* 100%
plan is portable; you can take it with you even if Prostate Cancer and/or 30%
you leave employment. Coverage is available for Carcinoma In Situ
you, your spouse, and eligible dependents. Coronary Artery Bypass
Surgery 30%
Premiums are payroll deducted for your
convenience. It includes recurrent benefit which Alzheimer’s Disease 30%
extends coverage to a second covered diagnosis,
Angioplasty/Stent 10%
enabling insured employees to receive benefits up
to 200% of the plan’s value. To promote healthier Skin Cancer Diagnosis 10%
routines, insureds can receive an annual payment
Cancer Vaccine $75 lifetime, one-time payment
of $100 for having covered health screenings and
tests, such as mammogram, Pap test, PSA test, Cancer Treatment & Care $50/month, up to 12 months
and colonoscopy.
*Specified diseases include ALS (Lou Gehrig’s Disease), Anthrax, Cholera, Encephalitis, Meningitis, Rocky Mountain Spotted and Typhoid
Fevers, Tuberculosis, Primary Sclerosing Cholangitis (Walter Payton’s Disease)
If enrolled in critical care & cancer coverage, you cannot enroll in the cancer care policy.
What is Critical Care?
ACCIDENT RECOVERY What is Accident Recovery?
This plan provides lump sum benefits for covered accidents, such as benefits for fractures, concussions, emergency
treatment, hospital confinement, and accidental death and dismemberment. These benefits can help with the out
of pocket medical and non-medical expense associated with an accident. Coverage is provided 24 hours a day -
no matter where the accident occurs. Coverage is guaranteed; no health questions or underwriting required. The
plan is portable; you can take it with you even if you leave employment. Coverage is available for you, your spouse,
and eligible dependents and premiums are payroll deducted. Benefits are provided for hospitalization, surgery, and
follow-up with a physician. To promote healthier routines, insureds can receive an annual payment of $60, $75 or
$105 (based on the plan you select) for having covered health screenings and tests, such as mammogram, Pap test,
PSA test, and colonoscopy.
Blount County Government I 24VOLUNTARY COVERAGES
□ Short-Term Disability
□ Long–Term Disability
What is Disability Insurance?
Premiums are payroll deducted and paid entirely by you. Please contact the Human Resources
Department or USAble Life for more information or to enroll in one of these coverages.
SHORT-TERM DISABILITY
A Short-Term Disability (STD) plan can give you financial protection and help replace a
portion of your income if you become unable to work as a result of a covered illness, injury, or
pregnancy. You can select the STD benefit that’s right for you, not to exceed 60% of your pre-
disability earnings or a weekly amount of $750. Benefit amounts can be purchased in
increments of $10. The minimum weekly benefit is $50.
STD benefits begin the 15th day of an injury or illness and terminate after 13 weeks (90 days) of
continuous disability due to covered accident or illness.
LONG-TERM DISABILITY
Because some disabilities continue for a significant amount of time, Long-Term Disability (LTD)
coverage can help provide partial income replacement when you’re unable to work during
a serious disability or extended illness. Your LTD benefit cannot exceed 60% of your pre-
disability earnings (up to a monthly amount of $6,000), and can be purchased in increments
of $100,
LTD benefits start after you have been disabled for 90 days and can continue until you return
to work, retire (up to age 65 or Social Security normal retirement age depending on the date
of disability), or death.
If you do not enroll in short term disability, long term disability, or voluntary life insurance coverage upon initial eligibility
(within 31 days of your date of hire), you may be asked to complete an Evidence of Insurability form if you wish to enroll
(or increase your coverage) at a later date.
2021 Employee Benefits Guide I 25VOLUNTARY COVERAGES
□ Long-Term Care
New Voluntary Benefit!
We are excited to announce that Blount County will be introducing Long-Term care
insurance as a new voluntary benefit! Enrollment will run Monday, October 12th
through Friday, October 30th.
What is Long-Term Care?
Long-term care assists you with your everyday activities. It can be received in an as-
sisted living facility, nursing home or in your own home. This type of care is needed
due to a cognitive or physical impairment which requires assistance with two out of
the six Activities of Daily Living: eating, bathing, dressing, transferring, toileting, and
continence.
Some common reasons you may need this type of care are due to an accident
(such as a car accident or injury), illness (such as cancer), aging, or a cognitive im-
pairment (such as Alzheimer’s, dementia, or effects of a stroke).
The costs for this type of care can approach $90,5201 per year. These expenses are
not paid for by either group health insurance or disability plans while working and are
only minimally covered by government programs such as Medicare upon retirement.
Long-Term Care insurance (LTCi) is a way to help pay for the cost of your care so you
will not have to rely solely on your savings, assets, family, or other means to pay for
your care.
Keep an eye out for additional information to come soon!
To learn more contact LTC Solutions, Inc.
LTCiBenefitsTeam@ltc-solutions.com
(877) 286-2852
3Metlife Mature Market Institute, The 2012 MetLife Market Survey of Nursing Home, Assisted Living, Adult
Day Service and Home Care Costs.
Blount County Government I 26You can also read
