2020 Ensign Benefits Guide

Cover Page	I
Our Core Values	II
Contents	1
Important Benefit Contacts	2
Resources	3
Benefit Basics	5
Eligibility	5
When Coverage Begins	6
Making Changes to Your Coverage During the Year	6
Enrollment	7
Optional Now vs. Optional Anytime Benefits	7
Medical	8
About Collective Health	9
2020 Medical Plans At-a-Glance	10
Prescription Drug Coverage	12
Health Savings Account	13
Grand Rounds	14
Telemedicine through Teladoc	15
Video or Phone Appointments (Kaiser CA HMO 2000)	15
Dental	16
Dental PPO Plan	16
Cigna Dental DHMO	16
Vision	17
Flexible Spending Accounts	18
Transportation/Commuter Benefit Program	20
Life and AD&D Insurance	20
Voluntary Benefits	23
Voluntary Short-term Disability Insurance	23
Voluntary Hospital Indemnity Insurance	23
Voluntary Group Accident Insurance	23
Voluntary Critical Illness Insurance	23
MetLife Auto and Home Insurance	23
Employee Assistance Program	24
Intalere Markeplace	24
TicketsatWork.com	24
Tuition Reimburesment	25
Purchasing Power	25
Child Care Benefit Program	25
The Emergency Fund	26
401(k) Savings Plan	27

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