2020 Ensign Benefits Guide

Contents Important Benefit Contacts Contact Information for Our Carriers . . . . . . . 2 Resources To Help You Learn About Your Benefits and Enroll Online . . . . . . . . . . . . . . 3 Benefit Basics About Our Benefits . . . . . . . . . . . . . . 5 Eligibility . . . . . . . . . . . . . . . . . . 5 When Coverage Begins . . . . . . . . . . . . 6 Making Changes to Your Coverage During the Year . . . . . . . . . . . . . . . 6 When Coverage Ends . . . . . . . . . . . . . 6 Enrollment . . . . . . . . . . . . . . . . . 7 Health Medical . . . . . . . . . . . . . . . . . . 8 • About Collective Health . . . . . . . . . . 9 • 2020 Medical Plans At-a-Glance . . . . . . 10 • Prescription Drugs . . . . . . . . . . . . 12 • Health Savings Account . . . . . . . . . . 13 • Grand Rounds . . . . . . . . . . . . . 14 • Telemedicine . . . . . . . . . . . . . . 15 • Video or Phone Appointments (Kaiser) . . . . 15 Dental . . . . . . . . . . . . . . . . . . 16 Vision . . . . . . . . . . . . . . . . . . 17 Financial Protection Flexible Spending Accounts (FSAs) . . . . . . . . 18 • Health Care FSA . . . . . . . . . . . . . . . . . . . . . . . . . 18 • Limited Purpose FSA . . . . . . . . . . . 18 • Dependent Care FSA . . . . . . . . . . . 18 Transportation/Commuter Benefit Program . . . . 20 Life and AD&D Insurance . . . . . . . . . . . 20 • Basic Life and AD&D Insurance . . . . . . . 20 • Supplemental Life Insurance . . . . . . . . 21 • Supplemental AD&D Insurance . . . . . . . 22 Voluntary Long-term Disability Insurance (LTD) . . . 22 Voluntary Benefits . . . . . . . . . . . . . . 23 • Voluntary Short-term Disability Insurance (STD) . 23 • Voluntary Hospital Indemnity Insurance . . . . 23 • Voluntary Group Accident Insurance . . . . . 23 • Voluntary Critical Illness Insurance . . . . . . 23 • MetLife Auto and Home Insurance . . . . . . 23 Work-Life Employee Assistance Program (EAP) . . . . . . . 24 Intalere Marketplace . . . . . . . . . . . . . 24 TicketsatWork . . . . . . . . . . . . . . . 24 Tuition Reimbursement Program . . . . . . . . 25 Purchasing Power . . . . . . . . . . . . . . 25 Child Care Benefit Program . . . . . . . . . . 25 The Emergency Fund . . . . . . . . . . . . . 26 Retirement 401(k) Savings Plan . . . . . . . . . . . . . 27 1