2013-2014 3csi employee benefits
TRANSCRIPT
2013 Employee Benefi t Package
June 11, 2013
CornerstoneFinancial Services, LLC
Agenda
Introduction Benefit Contact InformationMedical Plan Options & Rx – BCBSVision Plan – BCBSOnline Member PortalThe Blue’s Perks & Value-Add
BenefitsEmployee Enrollment KitDental Plan & FSA – UHC (Optum)Ancillary Benefits – Life & LTDBenefit Election FormApplications & Waiver Forms
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Benefit Contact Information
CoveragePhone Number Web Address
Medical Vision
(800) 637-2227 www.bcbsm.com
Dental
(866) 633-2446 www.myuhcdental.com
FSA (800) 243-5543 www.optum.com
Life AD&D LTD
(800) 219-2396 www.UNUM.comCornerstone Financial Services, LLC
525 E. Big Beaver Road, Suite 250 | Troy, MI 48083 |
(P) 248.519.5502 | (F) 248.641.2868www.cornerstone-mi.com
Matthew C. EsssmannManaging Partner(248) [email protected]
Daniel J. Milan, JDManaging Partner(248) [email protected]
We are the agency that coordinates your company’s benefit program. We are not your insurance company, but we do support your company’s Plan Administrator / H.R. Department with enrollment materials, assistance and supplies.
How To Get Answers – Easy As 1-2-31. Get your insurance card with Benefit ID Number and Group Number2. Gather all relevant paperwork available (Explanation of Benefits, Receipts, etc.)3. Call the toll-free number below for information
Medical Plan Options
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BCBS BCBS
MEDICAL PLAN OPTIONS SB PPO Plan 1 SB PPO Plan 2
In - Network - Out In - Network - Out
Deductible $500x2 $1,000x2 $1,000x2 $2,000x2
Coinsurance % 80% 60% 80% 60%
Coinsurance Limit $2,500x2 $5,000x2 $2,500x2 $5,000x2
Out of Pocket Max $3,000x2 $6,000x2 $3,500x2 $7,000x2
Rx Copay $10/40/80 $10/40/80
Office Visit CopayPCP/Specialist
$20 Ded &Coins
$30 Ded &Coins
Hospital Copay None None
Hospital Copay Max None None
Urgent Care Copay $20 $30
ER Copay(WIA = waived if admitted)
$150 WIA $150 WIA
Employee cost per pay
Employee
EE/spouse(2 person)
Family
Prescription Coverage (Rx)
Tier 1 Tier 2 Tier 3
Generic BrandFormularyPreferred
SpecialtyNon-formularyNon-preferred
$10 $40 $80
http://www.bcbsm.com/index/health-insurance-help/documents-forms/plan-types/pharmacy/drug-lists/blue-cross-blue-shield-of-michigan-ppo.html
CornerstoneFinancial Services, LLC
Vision – BlueVision 12
CornerstoneFinancial Services, LLC
Partnering Retailers
BlueVision 12In-Network service Frequenc
yCopay
Exam 12 months $5
Lenses 12 months $10
Frames**or contacts but not both
12 months $10
Out of Network: Payment is based on a predetermined fee schedule.
When to call the number on the back of your card
General Customer Service Questions
Coverage & procedure code approval
Rx Authorization & Claims
Find a doctor (in/outstate)
Billing/claims & EOB questions
Coordination of Benefits
Suspected Fraud
CornerstoneFinancial Services, LLC
Member Portal
- your name here-
MEMBER PORTAL
BCBSM.COM
CornerstoneFinancial Services, LLC
BlueHealthConnection
http://www.bcbsm.com/index/healthy-living/bluehealthconnection.html
Connect 2Bfitan online community that shares fitness tips, encourages each other and builds healthy habits.
Health AssessmentThe Succeed™ health assessment is designed to help you understand your current health. It also provides tips and resources to help you reduce health risks
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HealthyBlueXtras.com
http://www.HealthyBlueXtras.com
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Blues365deals.com
http://www.blues365deals.com
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Employee Enrollment kit
CornerstoneFinancial Services, LLC