2021 BENEFITS GUIDE
WELCOME
Your benefits are an important part of your overall compensation. We are pleased to offer a comprehensive array of valuable benefits to protect your health, your family and your way of life. This guide answers some of the basic questions you may have about your benefits. Please read it carefully, along with any supplemental materials you receive.
Inside Medical
• Additional Benefits • Plan Options • What Is An HSA? • Preventative Care • HSA Preventative Drug List
Eligibility
You are eligible for benefits if you work 30 or more hours per week. You may also enroll your eligible family members under certain plans you choose for yourself. Eligible family members include: •
Your legally married spouse
•
Your registered domestic partner (RDP) and/or their children, where applicable by state law
•
Your children who are your biological children, stepchildren, adopted children or children for whom you have legal custody (age restrictions may apply). Disabled children age 26 or older who meet certain criteria may continue on your health coverage.
When Coverage Begins •
New Hires: You must complete the enrollment process within 30 days of your date of hire. If you enroll on time, coverage is effective on the first of the month following your date of hire. If you fail to enroll on time, you will NOT have benefits coverage (except for company-paid benefits).
•
Open Enrollment: Changes made during Open Enrollment are effective January 1 - December 31, 2021.
Choose Carefully
Due to IRS regulations, you cannot change your elections until the next annual Open Enrollment period, unless you have a qualified life event during the year. Following are examples of the most common qualified life events: •
Marriage or divorce
•
Birth or adoption of a child
•
Child reaching the maximum age limit
•
Death of a spouse, RDP, or child
•
You lose coverage under your spouse’s/RDP’s plan
•
You gain access to state coverage under Medicaid or CHIP
Making Changes
To make changes to your benefit elections, you must contact Human Resources within 31 days of the qualified life event (including newborns). Be prepared to show documentation of the event such as a marriage license, birth certificate or a divorce decree. If changes are not submitted on time, you must wait until the next Open Enrollment period to make your election changes.
Required Information—When you enroll, you will be required to enter a Social Security number (SSN) for all covered dependents. The Affordable Care Act (ACA), otherwise known as health care reform, requires the company to report this information to the IRS each year to show that you and your dependents have coverage. This information will be securely submitted to the IRS and will remain confidential.
2
Dental Vision MetLegal Benefit Contact information
MEDICAL We are proud to offer you a choice of Blue Cross medical plans that provide comprehensive medical and prescription drug coverage. The plans also offer many resources and tools to help you maintain a healthy lifestyle.
Blue Cross PPO Plans
Blue Cross HDHP / HSA Plan
The Gold plan gives you the freedom to seek care from the provider of your choice. However, you will maximize your benefits and reduce your out-of-pocket costs if you choose a provider who participates in the network.
The High Deductible Health Plan (HDHP) is paired with a savings account called a health savings account, or HSA. The HSA lets you set aside pretax dollars to help offset your annual deductible and pay for qualified health care expenses. (See page 6 for more information)
ALL PLANS COME WITH ADDITIONAL BENEFITS TO MAKE LIFE EASIER This document contains clickable links. Simply look for this button.
$0 member copayment benefits
CLICK HERE
• $0 copayment for dependent children: No office visit copay helps parents access more-affordable healthcare for their children. This benefit covers office visits and many common screenings. • $0 behavioral health copayment for dependent children: Parents can get their children the behavioral healthcare they need with a new $0 copayment for behavioral health visits.
Expanded telehealth options • Telehealth from local doctors: Members can get care from in-network healthcare providers via video and telephone call. • MDLIVE: Members of all ages can get 24/7 nonemergency virtual care from anywhere through our telehealth vendor MDLIVE. Telehealth visits with an MDLIVE provider only have a copayment of $10 for most plans.
Tools to get and stay healthy Diabetes Prevention Program This program helps members decrease their risk of developing Type 2 diabetes. Through a 16-week program, it teaches participants to make lasting lifestyle changes by eating healthier, doing more physical activity and managing challenges that come up along the way.
CLICK HERE Weight Management Offered through Blue Cross of Idaho partner Naturally Slim®, this program helps members achieve lasting weight loss by teaching new skills they can use in their daily lives, helping them lose weight while still enjoying the foods they like. It can improve their health and lower the risk of some chronic diseases, while helping employers save on healthcare spending. 6
3
Blue Cross of Idaho | Qualified Health Plans for Small Groups
Shopping tools to empower members CLICK HERE
SmartShopper: Employees can use our online tools to shop for the most cost-effective facilities when they need to have a medical procedure. When members shop for and select low-cost facilities for care, they’ll be eligible for a cash reward.
CLICK HERE
ChoiceDocs: Employees with plans in the PPO network can use our online provider directory to find providers designated as ChoiceDocs. When employees visit ChoiceDocs providers, they’ll pay a lower or – depending on the plan – even no copayment.
INTRODUCING THE NEW BLUE CROSS OF IDAHO MEMBER APP Our new member app helps members find care and keep track of their plan in a clean, easy-to-use mobile app. With the app, members can: • Search for care • Access and send/fax member ID card from the app • Track claims for the entire family • Get telehealth from the app • Find FAQs and help resources
Find it in the App Store and Google Play Store
AVAILABLE WITH ALL PLANS Cost Advisor CLICK HERE This cost transparency tool lets you search for and compare providers, hospitals and other healthcare costs side-by-side before you make appointments.
Condition Support Care managers offer personal health support to members with asthma, diabetes, chronic obstructive pulmonary disease, coronary artery disease and congestive heart failure.
Blue Extras!sm Blue Extras! offers discounted services, programs and products that will help you with your health, wellness and fitness goals. These extras are provided by independent sources that have agreed to offer discounted rates members.
Behavioral Health Management Members in need get support from a case manager who ensures members get the highest quality and right site of care.
Care Management This program supports members who may be facing a complex health condition. Care managers work with members to help guide them through the maze of complex decision-making that may come with a serious health situation. bcidaho.com
4
7
MEDICAL PLAN OPTIONS GOLD 1100
GOLD 3000
HSA 6900
PPO
PPO
PPO
NETWORKS ANNUAL COSTS (what member pays) Deductible Coinsurance Out-of-Pocket Maximum
IN-NETWORK
OUT-OFNETWORK
IN-NETWORK
OUT-OFNETWORK
IN-NETWORK
OUT-OFNETWORK
$1,100 individual $2,200 family
$3,300 individual $6,600 family
$3,000 individual $6,000 family
$9,000 individual $18,000 family
$6,900 individual $13,800 family
$17,100 individual $34,200 family
20%
50%
20%
50%
0% after deductible
0% after deductible
$6,200 individual $12,400 family
$18,600 individual $37,200 family
$4,600 individual $9,200 family
$13,800 individual $27,600 family
$6,900 individual $13,800 family
$17,100 individual $34,200 family
COVERED SERVICES Preventative Care/Screening (for listed services)
no charge
no charge
Pediatric Office Visits (includes outpatient behavioral health)
$0 copay
$0 copay
no charge
Primary Care Office Visit
ChoiceDocs copay: $10 Copay: $30
Specialist Office Visit
ChoiceDocs copay: $30, Copay: $50
ChoiceDocs copay: $20, Copay: $40
$10 copay
$10 copay
deductible and coinsurance
deductible and coinsurance
Telehealth (MDLive) Diagnostic Lab and X-ray
deductible and coinsurance
ChoiceDocs copay: $0 Copay: $20
deductible and coinsurance
Advanced Imaging (CT/PET scans, MRIs)
$250 copay, then deductible and coinsurance
$250 copay, then deductible and coinsurance
$250 copay, then deductible and coinsurance
$250 copay, then deductible and coinsurance
Emergency Room Services
deductible, then $350 copay
deductible, then $350 copay1
deductible, then $350 copay
deductible, then $350 copay1
Inpatient Hospital Facility and Services
deductible and coinsurance
deductible and coinsurance
$30 copay
PPO copay: $0 POS/CCO copay: $20
Outpatient Mental Health/ Substance Abuse Services Outpatient Surgery and Professional Facilities2 Outpatient Rehabilitation or Habitation Services3 Maternity Care
deductible, then 10% for specific listed services
deductible and coinsurance
deductible and coinsurance
deductible, then 10% for specific listed services
no charge after deductible
no charge after deductible
deductible and coinsurance
deductible and coinsurance
Dependent Hearing Aids Children’s Eye Exam / Glasses
no charge, deductible does not apply
no charge, deductible does not apply
no charge, deductible does not apply
no charge, deductible does not apply
PRESCRIPTION DRUGS Covered Preventative
$0 copay
$0 copay
Preferred Generic
$10 copay4
$10 copay4
Non-preferred Generic
$20 copay4
$20 copay4
Preferred Brand
$35 copay4
$35 copay4
Non-preferred Brand
$50 copay4
$50 copay4
Preferred Specialty
30% coinsurance
30% coinsurance
Non-preferred Specialty
50% coinsutrance
50% coinsurance
no charge after deductible
1 For treatment of emergency medical conditions as defined in the policy/contract, Blue Cross of Idaho will provide in-network benefits for covered services, even if they are provided out-of-network. 2 In-network coinsurance applies for services from listed preferred facilities (shoppers.bcidaho.com/explore-plans/exploreplansemployermedical.page). 3 Outpatient rehabilitation and habilitiation therapy services are EACH limited to a combined physical therapy, speech therapy and occupational therapy total of 20 visits per member, per benefit period. Treatment for Autism Spectrum Disorder is covered the same as any other condition, depending on the services rendered. Visit limits do not apply to Treatments for Autism Spectrum Disorder. 4 Mail order incentive offers three-month supply for two copays (for specific maintenance drugs).
5
What Is An HSA? An HSA is a tax-advantaged1 health savings account that belongs to the individual. It is always paired with a qualified high-deductible health plan (HDHP). HSA contributions are not subject to federal income tax. Withdrawals can be made tax-free for qualified medical expenses. The employee or accountholder controls the money in the account. Accountholders may use HSA funds for eligible expenses incurred by themselves, their spouse and qualified tax dependents.2 Unused funds will roll over from year to year – they are not “use it or lose it.” The employee retains all funds contributed to their HSA, even if he or she changes jobs or health plans. HSAs are never taxed at a federal income tax level when used appropriately for qualified medical expenses. Also, most states recognize HSA funds as tax-free with very few exceptions. Please consult a tax advisor regarding your state’s specific rules. 1
It is the members’ responsibility to ensure eligibility requirements as well as if they are eligible for the expenses submitted. 2
Blue Cross HDHP / HSA Plan Your High Deductible Health Plan is paired with an HSA that’s administered through Health Equity. Here’s how the HSA works:
CLICK HERE
•
Contact Health Equity to set up your account.
•
You contribute pre-tax funds to the HSA through automatic payroll deductions.
•
Your contributions, in addition to any employer contributions, may not exceed the annual IRS limits listed below. HSA Contribution Limit
•
2021
Employee Only
$3,600
Family (employee + 1 or more)
$7,200
Catch-up (age 55+)
$1,000
You can withdraw HSA funds tax-free to pay for current qualified health care expenses, or save them for the future, also tax-free. Unused funds roll over from year to year and are yours to keep, even if you change medical plans or leave your employer.
Important Notes: •
You must meet certain eligibility requirements to have an HSA: You must a) be at least 18 years old, b) be covered under a qualified HDHP, c) must not be enrolled in Medicare and d) cannot be claimed as a dependent on another person’s tax return. For more information, please refer to IRS Publication 969.
•
For a complete list of qualified health care expenses, refer to IRS Publication 502.
•
Adult children must be claimed as dependents on your tax return for their medical expenses to qualify for payment or reimbursement from your HSA.
6
When you enroll in your HSA , you’ll receive an HSA Welcome Kit The HealthEquity HSA Debit card welcome kits are sent first class as a single mailing to new accounts through the US Postal Service. Your kit includes: •
HealthEquity Visa Health Account Card (with 3 year expiration)
•
Debit card mailer (fee schedule printed on back)
•
Card activation sticker
•
HSA welcome tri-fold
•
HealthEquity custodial agreement
•
Cardholder agreement
•
Privacy notice
•
HealthEquity transfer/ rollover form or an optional miscellaneous insert
Highlights of your preventive care benefits You pay nothing – no coinsurance, copayment or deductible – for covered preventive care services when you visit innetwork providers. Preventive care benefits for services from out-of-network are subject to your out-of-network benefit. The listed preventive care services may be adjusted to agree with federal government changes, updates and revisions. Services for adults (18 years and older) • • • • • •
• • • • • • • • • • • • • • • • • •
Alcohol – unhealthy use screening Annual adult physical examinations Abdominal aortic aneurysm screening Behavioral counseling for participants who are overweight or obese Bone density Breast cancer (BRCA) risk assessment and genetic counseling and testing for high-risk family history of breast or ovarian cancer Chemistry panels Cholesterol screening Colorectal cancer screening Complete blood count (CBC) Diabetes screening Dietary counseling (limited to three visits per participant, per benefit period) Health risk assessment for depression Hepatitis B virus screening Hepatitis C virus infection screening HIV assessment Lung cancer screening for participants age 55 and older Pap test PSA test Screening and assessment for interpersonal and domestic violence Screening mammogram Skin cancer prevention counseling Smoking cessation counseling visit Sexually transmitted infections assessment
Services for adults (continued) •
• • • •
Transmittable disease screening and counseling (chlamydia, gonorrhea, human immunodeficiency virus [HIV], human papillomavirus [HPV], syphilis, tuberculosis [TB]) Thyroid-stimulating hormone (TSH) Urinalysis (UA) Urinary incontinence screening Well-woman visits for recommended age-appropriate preventive services
Services for pregnant women or women who may become pregnant • • • • • • • •
Breastfeeding support, supplies and counseling Gestational diabetes screening Iron deficiency screening Perinatal depression counseling and intervention Preeclampsia screening Prescribed contraceptive coverage1 RhD incompatibility screening Urine culture
For groups that offer prescribed contraceptive coverage: Blue Cross of Idaho pays 100% of the cost of women’s preventive prescription drugs and devices as specifically listed on the Blue Cross of Idaho Formulary on our website at bcidaho.com; deductible does not apply. The day supply allowed shall not exceed a 90-day supply at one time, as applicable to the specific contraceptive drug or supply. Prescribed contraceptive services include diaphragms, intrauterine devices (IUDs), implantables, injections and tubal ligation. 1
Services for children (17 years and younger) • • • • • • •
• • • •
Anemia screening Dental fluoride application for participants age 5 and younger Lipid disorder screening Preventive lead screening Rubella screening Skin cancer prevention counseling Routine or scheduled well-baby and well-child examinations, including vision, hearing and developmental screenings Newborn screenings: Hearing test Metabolic screening (PKU, thyroxine, sickle cell) Screening EKG
Please note: Not all children require all the services identified above. Your provider should give you information about your child’s growth, development and general health, and answer any questions you may have. Please note: Your provider must bill these services as preventive/wellness services. The descriptions listed are general in nature, to allow for an overall view of Blue Cross of Idaho’s preventive care coverage. For complete descriptions of your policy and policy changes, please read your policy and policy amendment language.
Immunizations • • • • • • •
Acellular pertussis Diphtheria Haemophilus influenzae B Hepatitis B Influenza Measles Mumps
• • • • • •
Pneumococcal (pneumonia) Poliomyelitis (polio) Rotavirus Rubella Tetanus Varicella (chicken pox)
7
• • • •
Hepatitis A Meningococcal Human Papillomavirus (HPV) Zoster
Other immunizations not specifically listed may be covered at the discretion of Blue Cross of Idaho when medically necessary
HSA PREVENTIVE DRUG LIST You Make the Choices, We Make it Easy If your Benefit Summary indicates specific coverage for preventive drugs, the Preventive Drug List provides the drugs you can obtain under this benefit. Plans that have specific preventive drug benefits are generally: • High Deductible Health Plans (HDHPs) or Health Savings Account (HSA) plans • Employer plans that have purchased an HDHP/HSA plan OR • Employer plans that have purchased a preventive drug enhancement Blue Cross of Idaho covers the drugs on this list at the preventive drug cost-sharing amount found in your plan documents, and you do not need to have met your deductible when you get these prescriptions filled at an in-network pharmacy.
FOR OUR MEMBERS: • Visit an in-network pharmacy to receive this benefit. • Present your Blue Cross of Idaho member ID card to ensure you receive the complete benefit. • You or your doctor may be asked to provide supporting documentation that the drug you are taking is being used for prevention.
NOTE: A drug’s appearance on this list does not guarantee coverage. Not all drugs listed are covered by all prescription drug plans. Certain drug plans may cover additional drugs at a preventive benefit that are not listed below. Check your benefit materials for the specific drugs covered and the costshare information for your prescription-drug benefit program. This list may not include all prescription drugs intended for preventive purposes. This list is periodically reviewed by clinical experts. Medications may be added or removed from this list based on clinical review of the medication’s intended purpose and its availability.
HOW TO USE THIS LIST: Generic drugs are listed in lower case letters, example: atenolol. Generic medications contain the same active ingredients as their corresponding brand-name counterparts; though they may look different in shape and color, they have been FDA-approved under the same strict standards. Brand-name drugs are listed in CAPITAL letters, example: NOVOLOG. When brand-name drugs lose their patents and become available generically, only the generic equivalent will be eligible under this preventive benefit.
ANTIDEPRESSANTS citalopram tablets fluoxetine capsules escitalopram tablets paroxetine immediate-release tablets ASTHMA ADVAIR DISKUS FLOVENT HFA ADVAIR HFA fluticasone propionate-salmeterol inh ASMANEX ipratropium soln ASMANEX HFA ipratropium-albuterol soln budesonide susp levalbuterol COMBIVENT RESPIMAT montelukast cromolyn sodium soln PULMICORT INH FLOVENT DISKUS QVAR REDIHALER BLOOD PRESSURE-LOWERING MEDICATIONS ACE Inhibitors & Diuretic Combinations benazepril fosinopril benazepril-HCTZ fosinopril-HCTZ captopril lisinopril captopril-HCTZ lisinopril-HCTZ enalapril moexipril enalapril-HCTZ moexipril-HCTZ Angiotensin Receptor & Diuretic Combinations candesartan irbesartan-HCTZ candesartan-HCTZ losartan eprosartan losartan-HCTZ irbesartan telmisartan Beta Blockers & Diuretic Combinations acebutolol labetalol atenolol metoprolol succinate ER atenolol-chlorthalidone metoprolol tartrate betaxolol metoprolol-HCTZ
sertraline tablets venlafaxine immediate-release tablets SEREVENT SPIRIVA SPIRIVA RESPIMAT SYMBICORT terbutaline theophylline theophylline ER zafirlukast olmesartan medoxomil olmesartan medoxomil-HCTZ quinapril quinapril-HCTZ ramipril trandolapril telmisartan-HCTZ valsartan valsartan-HCTZ propranolol SR propranolol-HCTZ sotalol sotalol AF
continued on next page ⮑ THIS LIST IS SUBJECT TO CHANGE. Check your benefit materials for cost-share information. For specific questions regarding your coverage, please call the phone number printed on your member ID card. © 2019 by Blue Cross of Idaho, an independent licensee of the Blue Cross and Blue Shield Association
8
Form No. 3-1148NI (04-19)
HSA PREVENTATIVE DRUG LIST (cont) bisoprolol nadolol bisoprolol-HCTZ pindolol carvedilol propranolol Calcium Channel Blockers afeditab CR diltiazem SR amlodipine felodipine SR diltiazem isradipine diltiazem CD nicardipine diltiazem ER nifedipine diltiazem LA nifedipine ER Diuretics (water pills) amiloride eplerenone amiloride-HCTZ furosemide bumetanide hydrochlorothiazide (HCTZ) chlorthalidone indapamide chlorothiazide metolazone Other Blood Pressure-Lowering Medications & Combinations amlodipine-atorvastatin clonidine amlodipine-benazepril clonidine patches amlodipine-valsartan guanfacine amlodipine-valsartan-HCTZ hydralazine BLOOD THINNING AGENTS anagrelide clopidogrel cilostazol pentoxifylline CHOLESTEROL-LOWERING MEDICATIONS Statin/HMG CoA Reductase Inhibitors & Combinations atorvastatin lovastatin fluvastatin pravastatin Other Cholesterol-Lowering Medications cholestyramine ezetimibe cholestyramine light ezetimibe-simvastatin colestipol fenofibric acid DIABETES acarbose HUMULIN-R 500 FIASP LANTUS glimepiride LEVEMIR glipizide metformin glipizide extended release metformin ER glipizide-metformin nateglinide NOVOLIN (Not including Novolin Relion glyburide Products carried at Walmart Pharmacies) glyburide, micronized NOVOLOG glyburide-metformin OZEMPIC (ST, QL) Diabetic Supplies BD Lancets insulin syringes insulin pen needles NOVOFINE Lancets OSTEOPOROSIS alendronate (QL) ibandronate (QL) WOMENS HEALTH Breast Cancer Prevention raloxifene (AL) tamoxifen (AL) Birth Control All generic oral contraceptives Medroxyprogesterone acetate (IM) (QL) DIAPHRAGMS (QL) NUVARING (QL) Birth Control (Emergency Contraception) All generic emergency contraceptives ELLA Thyroid levothyroxine tablets VACCINES FLU PNEUMONIA
timolol
nifedipine osmotic verapamil verapamil CR verapamil SR
spironolactone spironolactone-HCTZ torsemide triamterene-HCTZ methyldopa minoxidil telmisartan-amlodipine trandolapril-verapamil warfarin
rosuvastatin simvastatin fenofibrate fenofibrate, micronized gemfibrozil pioglitazone pioglitazone-glimepiride pioglitazone-metformin repaglinide SYMLINPEN TRESIBA TOUJEO TRULICITY (ST, QL) VICTOZA (ST, QL) ONETOUCH Lancets ONETOUCH test strips (QL) risedronate (QL)
Xulane (generic Ortho-Evra)
SHINGLES (AL)
THIS LIST IS SUBJECT TO CHANGE. Check your benefit materials for cost-share information. For specific questions regarding your coverage, please call the phone number printed on your member ID card. © 2019 by Blue Cross of Idaho, an independent licensee of the Blue Cross and Blue Shield Association
9
Form No. 3-1148NI (04-19)
DENTAL
We are proud to offer you an employer sponsored dental plan. This plan offers you the freedom and flexibility to use the dentist of your choice. However, you will maximize your benefits and reduce your out-of-pocket costs if you choose a dentist who participates in the MetLife network. The following is a high-level overview of this plan’s coverage.
PLAN COVERAGE
Employer Sponsored
DENTAL
IN-NETWORK
OUT-OFNETWORK*
DEDUCTIBLE (per calendar year) Individual/Family
$50 / $150
$50 / $150
BENEFIT MAXIMUM (per calendar year, Preventative, Basic and Major Services combined) Per Individual
$1,500
$1,500
100%
100%
80%
80%
COVERED SERVICES Preventative Services Basic Services
*Out of Network benefits are payable for services rendered by a dentist who is not a participating provider. Claims are paid at the reasonable and customary charge, based on the lowest of (1) the dentists actual charge or (2) the dentists usual charge for the same or similar services or (3) the charge of most dentists in the same geographic area for the same or similar services as determined by MetLife Customary charge. Services must be necessary in terms of generally accepted dental standards.
VISION
We are proud to offer you a vision plan. This plan gives you the freedom to seek care from the provider of your choice. However, you will maximize your benefits and reduce your out-of-pocket costs if you choose a provider who participates in the Vision Services Plan (VSP) provider network. The following is a high-level overview of this plan’s coverage.
Plan Coverage
Employer Sponsored
VISION
IN-NETWORK
OUT-OFNETWORK
$10 copay
$45 allowance
Up to $39 copay
Applied to exam allowance
Exam Retinal Imaging
STANDARD CORRECTIVE LENSES
The VSP network doctors provide the personalized attention you want and the ease you need. There are no ID cards required and no claim forms! Ready to schedule your appointment? First find a VSP network doctor at www.vsp.com or call 800-877-7195. Make an appointment and tell the doctor you are a VSP member. Your doctor and VSP will handle the rest.
Single Vision
$25 copay
$30 allowance
Lined bifocal
$25 copay
$50 allowance
Lined trifocal
$25 copay
$65 allowance
Lenticular
$25 copay
$100 allowance
Frame allowance
$130 allowance
$70 allowance
Contact Lenses - elective
$130 allowance
$105 allowance
Covered in full after eyewear copay
$210 allowance
Savings average 15% off the regular price or 5% off a promotional offer including PRK, LASIK and Custom LASIK
NA
Contact Lenses - necessary
Laser Vision Correction
10
MetLife
Legal Services
Expert legal advice for your entployees' peace of ntind MetLife Legal Plans provides you with access to experienced attorneys and reduces effort on your end. It’s a smart, simple, affordable way to get the legal help you need.
1
Easy to find an attorney
Go to members.legalplans.com, or call 800-821-6400 to speak with an experienced service team that can match you with the right attorney and give you a case number.
Our network of attorneys is here to make your employees' lives easier.
Getting married
to make 2 Easy an appointment
3
Call the attorney you select, provide your case number and schedule a time to talk or meet.
That's it! There are no copays, deductibles or claims forms when you use a network attorney for a covered matter.
Easy from start to finish
Award-winning service
• Regularly recognized for excellence in customer service1 • Experienced service team available from 8 am to 8 pm ET
Top-quality attorney network
• Average of 25 years of experience and vetted regularly • Nationwide network with a range of specialties
Convenient online help
Buying or selling a home
• Create an account on our website to access coverage information and our attorney locator • 24/7 access to our attorney locator and case numbers • Access to digital estate planning to create wills, living wills and powers of attorney all online
Starting a family
Ease of use2
Dealing with identity theft
Sending kids off to college Caring for aging parents
• All billing is handled between MetLife and the attorney • No claims forms, hidden fees or deductibles Satisfaction Guaranteed We'll work hard to make things right for your employees. If we are not able to resolve an issue for your employee, we'll refund the entire cost of their plan or provide them a free year of services under their plan. That's our money-back guarantee. 3
Cost per employee per month (covers spouse and dependents): $24.00 Reduced rates may be available if you choose to pay in full for your employees' MetLaw plan.
Get expert guidance for confident decisions - for your organization and your employees. Contact your MetLife representative today. 1. Two-time winner of the Silver Stevie in the American Business Awards, 2016 and 2017, Bronze winner in 2018, 2019 and 2020. 2. When using a network attorney for a covered legal matter. 3. Our money back guarantee covers the services provided by our Client Service Center and our Network Attorneys, it does not guarantee the outcome of your legal matter. The money back guarantee will be provided in circumstances where there is a customer service issue or problem with using your legal plan that cannot be resolved.
11
COST OF BENEFITS
Your contributions toward the cost of benefits are automatically deducted from your paycheck before taxes. The amount will depend upon the plan you select, any employer contributions (if applicable) and if you choose to cover eligible family members. A Cost of Benefits chart, which outlines the costs for each plan and premiums, will be provided by your employer prior to enrollment.
CONTACT INFORMATION Coverage
Carrier
Phone #
Website
Provider Lookup
Medical
Blue Cross of Idaho
800-624-1188
bcidaho.com
CLICK HERE
Dental
MetLife
866-832-5756
online.metlife.com
CLICK HERE
Vision
MetLife/VSP
866-638-3931
online.metlife.com
CLICK HERE
HSA
Health Equity
866-346-5800
myhealthequity.com
Legal Insurance
MetLegal
800-821-6400
members.legalplans.com
manage your benefits on your mobile device Many of our providers offer mobile apps so you can get to the healthcare account information you need—fast.
Blue Cross of Idaho Contains helpful tools to find care, access your ID card, get telehealth, track your family’s care and price prescription drugs.
MetLife - Dental & Vision Use the app to find detailed coverage information, participating providers, recent claims and plan ID information.
Health Equity Easy, on-the-go access to all of your health accounts. Plus comprehensive tools to help you manage transactions and maximize your health savings.
DISCLAIMER: The material in this benefits brochure is for informational purposes only and is neither an offer of coverage or medical or legal advice. It contains only a partial description of plan or program benefits and does not constitute a contract. Please refer to the Summary Plan Description (SPD) for complete plan details. In case of a conflict between your plan documents and this information, the plan documents will always govern. Annual Notices: ERISA and various other state and federal laws require that employers provide disclosure and annual notices to their plan participants. The company will distribute all required notices annually.
12
CLICK HERE