2021 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
Telemedicine through Teladoc	14
Video or Phone Appointments (Kaiser CA HMO 2000)	14
Dental	15
Cigna Dental HMO	15
Dental PPO Plan	15
Vision	16
Flexible Spending Accounts	17
Transportation/Commuter Benefit Program	19
Life and AD&D Insurance	19
Voluntary Benefits	22
Voluntary Short-term Disability Insurance	22
Voluntary Hospital Indemnity Insurance	22
Voluntary Group Accident Insurance	22
Voluntary Critical Illness Insurance	22
MetLife Auto and Home Insurance	22
Employee Assistance Program	23
Intalere Markeplace	23
TicketsatWork.com	23
Tuition Reimbursement	24
Purchasing Power	24
Child Care Benefit Program	24
The Emergency Fund	25
401(k) Savings Plan	26

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