2021 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 Benefit Elections During the Year . . . . . . . . . . . . . . . 6 When Coverage Ends . . . . . . . . . . . . . 6 Enrollment . . . . . . . . . . . . . . . . . 7 Health Medical . . . . . . . . . . . . . . . . . . 8 • About Collective Health . . . . . . . . . . 9 • 2021 Medical Plans At-a-Glance . . . . . . 10 • Prescription Drugs . . . . . . . . . . . . 12 • Health Savings Account . . . . . . . . . . 13 • Telemedicine . . . . . . . . . . . . . . 14 • Video or Phone Appointments (Kaiser) . . . . 14 Dental . . . . . . . . . . . . . . . . . . 15 Vision . . . . . . . . . . . . . . . . . . 16 Financial Protection Flexible Spending Accounts (FSAs) . . . . . . . . 17 • Health Care FSA . . . . . . . . . . . . . . . . . . . . . . . . . 17 • Limited Purpose FSA . . . . . . . . . . . 17 • Dependent Care FSA . . . . . . . . . . . 17 Transportation/Commuter Benefit Program . . . . 19 Life and AD&D Insurance . . . . . . . . . . . 19 • Basic Life and AD&D Insurance . . . . . . . 19 • Supplemental Life Insurance . . . . . . . . 20 • Supplemental AD&D Insurance . . . . . . . 21 Voluntary Long-term Disability Insurance (LTD) . . . 21 Voluntary Benefits . . . . . . . . . . . . . . 22 • Voluntary Short-term Disability Insurance (STD) . 22 • Voluntary Hospital Indemnity Insurance . . . . 22 • Voluntary Group Accident Insurance . . . . . 22 • Voluntary Critical Illness Insurance . . . . . . 22 • MetLife Auto and Home Insurance . . . . . . 22 Work-Life Employee Assistance Program (EAP) . . . . . . . 23 Perks at Work . . . . . . . . . . . . . . . 23 TicketsatWork . . . . . . . . . . . . . . . 23 Tuition Reimbursement Program . . . . . . . . 24 Purchasing Power . . . . . . . . . . . . . . 24 Child Care Benefit Program . . . . . . . . . . 24 The Emergency Fund . . . . . . . . . . . . . 25 Retirement 401(k) Savings Plan . . . . . . . . . . . . . 26 1