2016
Employee Open Enrollment
2016 Open Enrollment Agenda
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Retirement Plan – Auto Savings Increase
Medical Plan – Preferred One (Plan Design Changes)
Pharmacy Plan – Magellan RX
Employee Assistance Program
Dental Plan – Delta Dental of Minnesota
Life Insurance – Cigna Insurance Company (New Vendor)
Disability Insurance – Cigna Insurance Company
 Short Term Disability
 Long Term Disability
 Flexible Spending Program – Compensation Consultants
 Medical
 Transportation (Commuting)
 ACH/Debit Card
The open enrollment period begins Monday, November 2rd through
Friday, December 11th, with changes effective January 1, 2016
 If you are not making any changes to your medical/dental you don’t need to do
anything
 All employees who want to enroll in the voluntary life insurance, short term
disability or long term disability must re-enroll
 All employees who are making changes must complete the appropriate paperwork.
– Make changes to your current medical/dental plan(s)
– Enroll in new medical/dental plan
– Enroll in Flexible Spending Account/Transportation Account
– Enroll in voluntary life insurance, voluntary short term disability, or voluntary
long term disability

All paperwork must be returned to Benefits by
4:00 PM on Friday, December 11, 2015.
Board Members
•
•
•
•
•
Fred Underwood
Nathan Sandman
Kurt Larson
Dennis McCauley
Chuck Walt
Division Director Representative
Employee Representative
Employee Representative
Employee Representative
Executive Director
Advisors
•
•
•
•
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Sean Copeland
Vicki Radtke
Dannell Savage
Sarah Holt
Jennifer Hakes
Tribal Attorney
Comptroller
Benefit Supervisor
Financial Director/Benefit Accountant
Financial Technician
FDLIC BOARD NOMINATION
• Employee Representative
Incumbent-Kurt Larson
Incumbent-Dennis McCauley
Enrollment Meetings
Self Nomination
Self Nomination
December 2015
Voting Ballot
Voting Ballot
January 2016
Placement of Board Member
Placement of Board Member
Self nomination process – all eligible names will be put on the ballot –
Voluntary
Transamerica Retirement Solutions
Automatic Enrollment/Increases
Electronic Delivery
Beneficiary Designation
Mobile App
7
2016
Automatic Enrollment/Increase
• Eligible participants deferring 0% to 1.99% will be enrolled or increased to 2%
• Eligible participants deferring 2% will be increased to 3%
• Eligible participants deferring 3% will be increased to 4%
• Eligible participants deferring 4% will be increased to 5%
• Anyone contributing at or over 5% will continue with their contribution
Impacted participants will have from November 20th to
December 22nd
to opt out of enrollment or make any changes
to their contribution amount.
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Employer/Employee Contributions
Matching contributions – 100% on the first 2% of
compensation deferred.
Safe Harbor contribution – 3% of eligible compensation.
Maximums for Employee Contributions:
18,000 Elective Deferral
6,000 Catch up deferrals for 50+
75% of your eligible income
Electronic Delivery
• Sign up for e-statements!!
– Easy to do
• Go online
• Call the contact center
– Statements/Notices
• Housed on your secure site
• Two years worth of statements saved
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Beneficiary Designation
It is important that you have a current Beneficiary
Designation on file.
Please review your current beneficiary designation and
update accordingly.
To name or change your beneficiary, in the Home
menu, click “Beneficiaries” at my.trsretire.com
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New! Mobile App
Medical/Pharmacy
PreferredOne
Magellan RX
Current - Low Option
2016 - Low Option
Deductible
$400 per person
$600 per family
$500 per person
$1,000 per family
Out-of-Pocket Maximum
(Medical and RX combined)
$1,000 per person
$2,200 per family
$1,200 per person
$2,400 per family
100%
80% after deductible
100%
80% after deductible
Hospital Services
Inpatient
Outpatient
Emergency Room
80% after deductible
80% after deductible
80% after $100 copay
80% after deductible
80% after deductible
80% after $100 copay
Prescriptions
Generic
Preferred Brand
Non-Preferred/Specialty
$10 copay
$20 or 20%, whichever is greater
$35 or 20%, whichever is greater
$10 copay
$25 or 20%, whichever is greater
$40 or 20%, whichever is greater
Office Visits
Preventive Care
Illness/Injury
Current - High Option
2016 - High Option
Deductible
$2,000 per person
$3,500 per family
$2,000 per person
$4,000 per family
Out-of-Pocket Maximum
(Medical and RX combined)
$3,000 per person
$6,000 per family
$3,200 per person
$6,400 per family
100%
80% after deductible
100%
80% after deductible
Hospital Services
Inpatient
Outpatient
Emergency Room
80% after deductible
80% after deductible
80% after deductible
80% after deductible
80% after deductible
80% after $100 copay
Prescriptions
Generic
Preferred Brand
Non-Preferred/Specialty
$10 copay
$20 or 20%, whichever is greater
$35 or 20%, whichever is greater
$10 copay
$25 or 20%, whichever is greater
$40 or 20%, whichever is greater
Office Visits
Preventive Care
Illness/Injury
2016 Employee
Monthly Medical Contributions
Low Option
High Option
Employee
$75
$0
Family
$242
$242
Order
Additional
cards
on-line
Present your card
to ensure your provider
has the most current
information on file.
Card Front
for proper
information on the back of the
card should be referenced claim submission.
Card Back
www.preferredone.com
Member link to
secure site
Protection
provided
By SSL 128
technology
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©2014 PreferredOne Administrative Services, Inc.
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Knowledgebase - Results
19
©2014 PreferredOne Administrative Services, Inc.
On the Go – Mobile Website
Get valuable PreferredOne benefit information on
your mobile device. Simply use your smart
phone, visit PreferredOne.com/mobile or scan
the QR code. No need to download an
application.
Find a Provider
Locate the nearest in-network urgent care, clinic,
doctor, or hospital.
View Member ID Card
Forgot your member card?
Go online and access your member ID # for you
and any covered dependents.
Deductible and Out-of-Pocket Balances
Want to know if you have met your deductible or
the balance remaining?
Same goes for reaching your out-of-pocket
maximums.
Fitness Advantage
Work out 8 times a month and
receive:
Up to $40 single membership
Up to $60 family membership
Sign up at a participating Fitness Advantage facility. For more information go
to:
www.preferredone.com/fitnessadvantage
Pharmacy Benefit Management
Magellan RX
• 67,000 Nationwide Pharmacies
• Mail Order Prescription Drug Program
• Website: www.magellanrx.com
• Phone Number: 1-800-424-0472
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Fond Du Lac Reservation
Employee Assistance Program
Overview
Imagine new possibilities
Create solutions that work for your life
NuVantage EAP Service Overview
– For Employees:
– Up to 3 free in person counseling sessions per issue per year
– Telephonic sessions can also be arranged
• Mental Health, CD, Family, Marital, work stress, Depression,
Anxiety
• Financial Counseling (CCCS)
• Financial Planning (CFP)
• Legal Advice
• Elder Care Assistance
• Wellness Information / Website Portal
Prevention is Better than Cure
– Free for you to use – no copays, no deductibles
– Confidential by law
– Household family members
– 24 hour availability
• 8am – 4:30pm call for all services
• 4:30pm – 8am phone counseling
– 800-577-4727
Delta Dental of Minnesota
is pleased to present to:
Fond du Lac Reservation
Dental Benefits at a Glance
Diagnostic & Preventive Services
100%
Exams, cleanings, x-rays, fluoride treatments, sealants
Basic Services
80%
Space maintainers, amalgam restorations (silver fillings) and composite resin
restorations (white fillings) on anterior (front) teeth
Endodontics – Root Canals
Periodontics - Surgical/Nonsurgical periodontics
Oral Surgery - Surgical/Nonsurgical extractions
Major Restorative - Crowns and white fillings on back teeth
Prosthetics and Prosthetic Repairs and Adjustments
Dentures (full and partial), Denture adjustments and repairs, bridge
repair bridges, limited implant coverage
November 3, 2015
80%
80%
80%
80%
50%
Page 29
2016 Employee
Monthly Dental Contributions
Delta Dental
Single
$0
Family
$23
2016 Premium Rates
COBRA
FAMILY
Effective January 1, 2016
Employees of Fond du Lac that leave employment or are on an
approved Leave may continue to carry their health insurance
benefits, at their own cost, for up to 18 months under COBRA.
The COBRA cost to continue coverage is:
• $962.87 for Medical single coverage-Low Plan
• $1,068.87 for Medical family coverage-Low Plan
• $846.44 for Medical single coverage-High Plan
• $952.44 for Medical family coverage-High Plan
• $23.30 for Dental single coverage
• $41.30for Dental family coverage
Life and Disability
Cigna Insurance Company
We’ve got your back.
so you can achieve what matters most..
That’s why we offer coverage
tools
resources that will work for you.
Together, we can help you feel more
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna
secure.
34
Cigna Group Insurance – value on day one
Easy-to-access programs and services that support financial wellness*
DELIVERING
VALUE.
EVERY DAY.
Cigna Identity Theft
Program
My Secure
AdvantageTM
Cigna Life Assistance
ProgramTM
Provides education on how
to identify and avoid ID
theft as well as access to
personal case managers
who give step-by step
assistance and guidance to
individuals who have had
their identity stolen
90-day money coaching
program for employees on
approved long-term
disability (LTD) and a
discount on tax planning
and preparation for
household members
Helps employees
maintain a work/life
balance and stay
productive with
counseling, informational
seminars and 24/7
consultation services
Cigna Secure Travel®
Cignassurance®
Cigna Healthy Rewards®*
Emergency medical
assistance and referrals
when traveling, with no
dollar limitations on medical
evacuation/repatriation
coverage
Beneficiary support services,
including bereavement
counseling, legal and
financial guidance at no
added cost
Discounts on health and
wellness services, including
smoking cessation, diet
programs, fitness centers,
massage, chiropractic care
and acupuncture
*These programs are NOT insurance and do not provide reimbursement for financial losses. Customers are required to pay the entire discounted charge for any
discounted products or services available through these programs. Counseling, legal or financial assistance programs are not available under policies insured by Cigna Life
Insurance Company of New York. Programs are provided by third-party vendors, and not by Cigna.. Contact your Cigna representative for details.
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2015 Cigna
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About your Employer-Paid Life Insurance
Life insurance provides your loved ones with a payment, based on your
coverage, upon your death. It can help your loved ones cover immediate
and future expenses when you can’t be there.
With the plan, you have:
• coverage equal to $25,000
• additional coverage if you suffer serious injury or have a fatal
accident
• Accidental Death and Dismemberment equal to your life
amount
• Accelerated Death Benefit equal up to 75% of your life
amount
About your Optional Life Insurance
With the plan, you can benefit from additional coverage between $25,000
and $200,000.
During the 2016 Open Enrollment, you can elect:
• Employee coverage up to $200,000 with no medical questions
• Spouse coverage between $25,000 and $100,000 with no
medical questions
• Child coverage between $5,000 and $10,000 with no medical
questions
• Automatic payroll deduction
• All benefit elections will be effective January 1, 2016.
COMPLETE ELECTION FORMS!
About your Short-Term Disability
Insurance
By enrolling today, you can select disability coverage that:
• Pays you 60% a week, up to $1,000 per week for up to 11 weeks
when your disability claim is approved
• Starts 15 days after a covered accident or 15 days after a covered
illness
• Automatic payroll deduction
• Easy telephonic claim submission, which ensures your claim is
reviewed quickly and accurately
• Covers maternity leave
• No evidence of insurability required
• No pre-existing condition limitation for employees who enroll
during the 2016 annual enrollment.
COMPLETE ELECTION FORMS!
About your Long-Term Disability
Insurance
• By enrolling today, you are electing disability coverage that:
• Pays you 60% of your monthly earnings, up to $4,500 a month,
upon approval of LTD claim
• your employer is providing coverage of 60% up to $500 a
month
• Covers you to age 65 regardless of when you became disabled
• Must be disabled for 90 days before benefits may be payable
• Automatic payroll deduction
• Online and mobile claim status at www.mycigna.com
COMPLETE ELECTION FORMS!
2016 Open Enrollment
Flexible Benefit Cafeteria Plan
Compensation Consultants, LTD
Plan Features
• Medical Expense Reimbursement
$2,550 Plan Year Limit
• Dependent Care Assistance Plan
$5,000 Calendar Limit
• Parking Expenses
$255 Monthly Reimbursement Maximum
• Transit Expenses
$130 Monthly Reimbursement Maximum
How the Plan Works
• Claims can be filed paper or use of a debit card
• Expenses must be incurred within from January 1, 2016
through March 15, 2017
• Benefit dollars can not be rolled over – Use it or lose it
• Can be used to reimburse “Adult Child” expenses
(has not attained age 26)
Transportation Benefit Plan
IRS Rules
• Elections for payroll deductions can be changed on a proactive
basis at the beginning of a month.
• You may: Start – Stop – Increase – Decrease
• Parking/Transit funds do not have to be used within the plan year.
• Unused funds per benefit carry-over from month-to-month and yearto- year.
• An active employee must submit a claims for reimbursement within
180 days (6 months) of the occurrence of the expense.
• A terminated employee has 90 days to submit a claim for
reimbursement that was incurred prior to their termination date.
• Any unused funds that cannot be claimed by a terminated employee
will be forfeit.
• You must complete an Enrollment Form to either participate or to
dis-enroll.
•
•
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•
•
•
Medical:
FDL-FML:
Pharmacy:
Dental:
Life, STD, LTD
Retirement:
• Flex Plan:
• EAP:
PreferredOne 800-997-1750
Insurance Services 218-878-2622
MagellanRX 800-424-0472
Delta Dental 800-553-9536
Cigna 800-362-4462
Transamerica Retirement Solutions
1-800-755-5801
Compensation Consultants Ltd.
218-879-6725
NuVantage EAP 800-577-4727
FDL Benefits Website: www.fdlrez.com
For benefit enrollment information contact FDL Insurance Services
The open enrollment period begins Monday, November 2rd through
Friday, December 11th, with changes effective January 1, 2016
 If you are not making any changes to your medical/dental and if you don’t want the
voluntary life insurance, short term disability or long term disability you don’t need to
do anything
 All employees who want to enroll in the voluntary life insurance, short term
disability or long term disability must re-enroll
 All employees who are making changes must complete the appropriate paperwork.
– Make changes to your current medical/dental plan(s)
– Enroll in new medical/dental plan
– Enroll in Flexible Spending Account/Transportation Account
– Enroll in voluntary life insurance, voluntary short term disability, or voluntary
long term disability

All paperwork must be returned to Benefits by 4:00 PM on Friday, December 11,
2015.
Question and Answers