Benefit Changes
Benefits in Review
Eligibility
Enrolling
Help and Support
Benefits 2016
Annual Enrollment: Oct. 29 – Nov. 20
Enroll by Nov. 20 to ensure you have dependent coverage in 2016
Built for you
Micron benefits are designed to help you stay well, provide peace of mind and help you prepare for the future.
That’s a tall order, but we offer a lot, from excellent medical, dental and vision coverage, to plans that help protect
your income if you are unable to work due to illness or injury.
Annual Enrollment is your opportunity to review your current benefits and make changes for the coming year.
This enrollment is special for three key reasons:
We are offering all new medical plans.
You need to enroll or you will only receive team member-only coverage for 2016;
dependents will not be covered for medical, dental or vision.
You need to select your medical plan or you will be enrolled by default into the
Consumer Directed High Deductible Plan for 2016.
Take action now — your current
elections will not roll over to 2016.
Enroll here
From work: use the single sign-on benenroll
From outside: log in to benenroll.micron.com
Enrollment runs 6:00 am MT Oct. 29 – 6:00 pm MT
Nov. 20. Learn more at the enrolling page.
2016 Idaho Benefits Guide
Benefit Changes
Benefits in Review
Eligibility
Enrolling
Help and Support
Benefit Changes
New medical options
New benefits partner
New prescription drug provider
We are introducing many benefit changes
for 2016. This section summarizes the
changes and offers links where you can
learn more.
New Employee Assistance Plan provider
The most important change: If you don’t enroll, you’ll
have team member-only health care coverage in 2016.
Dependents will not be covered. Read more below.
Changes to eligibility and rates
All new medical options
Limited Purpose FSA
FSA rollover allowance
Choosing CDHDP with FSA
We are introducing all new medical options for 2016 to
provide new opportunities as well as to better manage costs
for team members and for Micron. The new options will be:
• Consumer Directed High Deductible Plan With HSA
• Saint Alphonsus Coordinated Care Plan
• St. Luke’s Coordinated Care Plan
Life Insurance
The Consumer Directed High Deductible Plan offers a
special savings opportunity called a Health Savings Account
(HSA) to help you pay for current and future health care
expenses on a tax-free basis.
Learn more about your three new medical options here.
Tri-Ad becomes our new benefits partner
We have selected Tri-Ad, a benefits administration
company, to provide the following services:
• Enrollment tool: Tri-Ad is providing the enrollment
tool we’ll use to enroll in benefits. The new tool will be
2
accessible from work and home and will provide a more
intuitive and improved enrollment experience.
• FSA and HSA administration: Tri-Ad will provide
administration services for Flexible Spending Accounts
and the new Health Savings Account associated with
the Consumer Directed High Deductible Plan.
Action required
Enroll 6:00 am MT Oct. 29 – 6:00 pm MT
Nov. 20 or you'll be enrolled in the Consumer
Directed High Deductible Plan, dental and
vision coverage for team member-only
coverage. Dependents will not be covered.
Also, if you wish to participate in a 2016 FSA
you will need to enroll during Annual
Enrollment as your 2015 elections do not
carry forward.
As a result of new medical plans and our new enrollment
partner, Tri-Ad, your current medical, dental and vision
elections will not roll over to 2016. You’ll need to actively
enroll Oct. 29 – Nov. 20:
F rom work: use the single sign-on benenroll
F rom outside: log in to benenroll.micron.com
2016 Idaho Benefits Guide
Benefit Changes
Benefits in Review
Eligibility
Help and Support
Enrolling
Benefit Changes
Provider networks
Each medical option has a distinct provider
network affiliation:
• Consumer Directed High Deductible
Plan uses the Blue Cross of Idaho PPO
Network in Idaho and, outside of Idaho,
the Blue Cross and/or Blue Shield PPO
Network (national network).
• Saint Alphonsus Coordinated Care Plan
uses the Saint Alphonsus Health Alliance
Network for Micron (SAHA) provider
network within the Saint Alphonsus service
area. It uses the Blue Cross of Idaho
PPO Network outside the SAHA area in
Idaho. Outside of Idaho, it uses the Blue
Cross and/or Blue Shield PPO Network
(national network).
CVS providing prescription drug plan
services
New eligibility and rates for Boise on-site
health center
CVS is replacing SelectHealth as the provider of
prescription drug services for all of our new medical
plans. Your new medical ID cards will provide information
about finding network pharmacies and a phone number
to call for questions.
The eligibility for using the on-site health centers in Boise
is expanding to all full-time and part-time team members
and interns, as well as to your eligible dependents. The
cost for using the center will be based on the medical plan
you enroll in or team member status, as shown below:
ComPsych becomes our new Employee
Assistance Plan (EAP) provider
ComPsych is replacing Health Management Systems of
America (HMSA) as our EAP provider. Starting in 2016.
Contact ComPsych at 844.470.5745 — 24 hours a day,
seven days a week — for a range of help and support
services, or visit ComPsych at guidanceresources.com.
• St. Luke’s Coordinated Care Plan uses the
St. Luke’s Health Partners Network for
Micron provider network within the St.
Luke’s service area. It uses the Blue Cross
of Idaho PPO Network outside the St.
Luke's service area in Idaho. Outside of
Idaho, it uses the Blue Cross and/or Blue
Shield PPO Network (national network).
Medical Plan
Office visit cost
Consumer Directed High Deductible Plan
$40
--St. Luke’s Coordinated Care Plan
--Saint Alphonsus Coordinated Care Plan
--PPO (outside Idaho medical plan)
--Kaiser Mid-Atlantic HMO
--Kaiser Northern California HMO
$45
--Medical opt-outs
--New hires prior to their benefits
effective date
--Team members on a leave of absence
greater than 24 weeks
$50
Limited Purpose FSA
If you enroll in the Consumer Directed High Deductible
Plan, you cannot open a regular Health Care FSA
(according to federal law), but you can open a Limited
Purpose (LP) FSA to pay for out-of-pocket dental and
vision expenses with pre-tax dollars.
If you are considering contributing to an LP FSA, you may
want to consider first maxing out your HSA, which is
much more flexible than an LP FSA.
3
2016 Idaho Benefits Guide
Benefit Changes
Benefits in Review
Eligibility
Enrolling
Help and Support
Benefit Changes
Rollover up to $500 a year in your Health
Care FSA
five times your base pay or $200,000, not to exceed
$1 million.
Starting with the 2016 plan year, you will be able to
rollover up to $500 of your unused Health Care FSA
balance to the following year. Due to federal law, by
adopting the rollover rule, we can no longer offer the
two and one-half month grace period for incurring and
submitting claims. The rollover feature is not effective
until 2016, which means the grace period rules still apply
to your 2015 Health Care FSA.
Medical underwriting evidence of insurability is not
required on the first $30,000 of additional supplemental
life and AD&D insurance you request during Annual
Enrollment. There is one exception to this rule – medical
underwriting is always required on supplemental life and
AD&D insurance amounts over $300,000. For example,
if you currently have $280,000 in supplemental life and
AD&D insurance and you request an additional $30,000
during Annual Enrollment, only $20,000 is provided
without medical underwriting. The additional $10,000
requires medical underwriting.
The rollover feature does not apply to the Dependent
Care FSA.
If you have a 2015 Health Care FSA
and enroll in the Consumer Directed High
Deductible Plan
If you are currently enrolled in a Health Care FSA and
choose the Consumer Directed High Deducible Plan
for 2016, your Health Care FSA balance must be $0 by
December 31st, 2015 in order to open an HSA and be
eligible for Micron’s contribution. Learn more on the
FSA page.
Increase life insurance without evidence
of insurability
You can increase your supplemental life and AD&D
coverage (additional coverage for yourself) each year,
up to the maximum allowed, which is the greater of
Full-time team members can increase spouse life
and AD&D coverage up to the maximum amount
allowed, which is equal to the total amount of basic
and supplemental life insurance coverage you have on
yourself, not to exceed $500,000. There is no medical
underwriting required on the first $10,000 of additional
spouse life and AD&D insurance you request during
Annual Enrollment except for amounts over $50,000. For
example, if you currently have $50,000 in spouse life and
AD&D insurance and you request an additional $10,000
during Annual Enrollment, the additional $10,000 will
require medical underwriting.
Action required
It is your responsibility to contact
The Hartford directly via the online
system or by phone at 800.331.7234
to track the progress and address
questions or concerns regarding your
pending life insurance request.
Micron does not monitor pending
requests at The Hartford. All pending
requests will be closed after 120 days
of inactivity.
All coverage increases that are not subject to
underwriting are effective Jan. 1, 2016. Coverage
requiring The Hartford approval will be effective the first
of the month following our notification of the approval.
4
2016 Idaho Benefits Guide
Benefit Changes
Medical
Dental
Benefits in Review
Vision
FSAs
Eligibility
HSA
Life Insurance
Enrolling
Disability Insurance
Help and Support
Other programs & benefits
Medical
Medical plan options
Overview
Medical provider networks
Medical coverage is one of your most important and
valuable benefits. You have the choice of three medical
plan options for 2016:
Medical plan comparison
Premiums
Pharmacy
1.Consumer Directed High Deductible Plan
With HSA
2.Saint Alphonsus Coordinated Care Plan
3.St. Luke’s Coordinated Care Plan
All three plans are administered by Blue Cross of Idaho,
and include CVS pharmacy coverage.
All three plans help you stay well by providing
100 percent coverage for preventive care, and
help you when you are not well by covering a portion
of your costs.
High Deductible Plan is the default medical plan. If you do
not enroll by the deadline, you will be enrolled in this plan
for team member-only coverage.
Cost sharing
You and Micron share in the cost of medical coverage.
As in the past, Micron covers approximately 80% of
the overall cost of health care and team members cover
approximately 20%. See the premiums page for your
share of the cost for each plan.
Reminder: If you do not make your Annual
Enrollment elections before 6:00 pm MT Nov. 20,
2015, you will be enrolled in team member-only
Consumer Directed Health Plan coverage for 2016.
See the medical plan comparison for a side-by-side
comparison of covered services and plan features.
Use the interactive health plan comparison tool to
compare your options:
From work: use the single sign-on benenroll
From
outside: log in to benenroll.micron.com
The Consumer Directed High Deductible Plan comes with
a Health Savings Account, or HSA, which is a special
account that you can use to help pay your share of health
care expenses, such as your deductible and coinsurance.
See the HSA section for details. The Consumer Directed
5
2016 Idaho Benefits Guide
Benefit Changes
Medical
Benefits in Review
Dental
Vision
FSAs
Eligibility
HSA
Help and Support
Enrolling
Life Insurance
Disability Insurance
Other programs & benefits
Medical
Idaho medical plan options
Your biweekly
premium cost for
coverage
Coverage
considerations
Network
considerations
Health Savings
Account
1
2
3
Consumer Directed
High Deductible Plan
Saint Alphonsus
Coordinated Care Plan*
St. Luke’s
Coordinated Care Plan*
Lower premiums for all coverage levels
Higher premiums for all coverage levels
Higher deductible and out-of-pocket
maximum, but offset by the Micron HSA
contribution
Lower deductible and out-of-pocket maximum
Blue Cross of Idaho PPO Network (in Idaho)
Inside the service area, use providers associated with the
plan you choose. Outside of Idaho, use the Blue Cross and/or
Blue Shield PPO Network (national network).
Blue Cross and/or Blue Shield PPO Network
(national network)
Micron-funded HSA and you can make
additional pre-tax contributions, a portion
of which will be matched by Micron
None
*The St. Luke’s and Saint Alphonsus plans are two separate plans that have the same biweekly premiums and same plan design, but use different provider
networks. You must use the network associated with your plan to get in-network reimbursement.
Provider networks
Each medical option has a distinct provider
network affiliation:
• Consumer Directed High Deductible
Plan uses the Blue Cross of Idaho PPO
Network in Idaho and, outside of Idaho,
the Blue Cross and/or Blue Shield PPO
Network (national network).
• Saint Alphonsus Coordinated Care Plan
uses the Saint Alphonsus Health Alliance
Network for Micron (SAHA) provider
network within the Saint Alphonsus service
area. It uses the Blue Cross of Idaho
PPO Network outside the SAHA area in
Idaho. Outside of Idaho, it uses the Blue
Cross and/or Blue Shield PPO Network
(national network).
• St. Luke’s Coordinated Care Plan uses the
St. Luke’s Health Partners Network for
Micron provider network within the St.
Luke’s service area. It uses the Blue Cross
of Idaho PPO Network outside the St.
Luke's service area in Idaho. Outside of
Idaho, it uses the Blue Cross and/or Blue
Shield PPO Network (national network).
6
2016 Idaho Benefits Guide
Benefit Changes
Medical
Dental
Benefits in Review
Vision
FSAs
Eligibility
HSA
Enrolling
Life Insurance
Disability Insurance
Help and Support
Other programs & benefits
Medical
The table below compares your three options for medical coverage. You can also use the interactive plan comparison tool
— available on the enrollment tool — to plug in your own information to see how the plans compare for you.
Consumer Directed
High Deductible Plan
In-Network
Micron HSA Contribution
– Individual
– Family
Out-of-Network
Saint Alphonsus
Coordinated Care Plan*
In-network
(within your plan’s
service area)
$500 (with match)
$1,000 (with match)
/
St. Luke’s
Coordinated Care Plan*
In-network
(outside your plan’s
service area)
Out-ofNetwork
Not eligible for an HSA
$1,500
$3,000
$3,000
$6,000
$200
$400
$350
$700
$1,000
$2,000
Out-of-pocket maximum*
– Individual
– Family
$4,000
$6,850
$8,000
$16,000
$2,000
$4,000
$2,500
$5,000
$6,000
$12,000
15%
40%
20%
20%
40%
Emergency room**
$100 copay + deductible and coinsurance
Office visits, outpatient
surgery and hospital†
15% after deductible
Pharmacy†
– Preventive
– Generic
– Formulary brand
– Brand non-formulary
– Specialty drugs
40% after
deductible
$0 - No cost
$10 copay after deductible
25% ($75 max) after deductible
35% ($125 max) after deductible
20% ($250 max)
not covered
after deductible
$100 copay + deductible and coinsurance
20% after deductible
40% after
deductible
$0 - No cost
$10 copay
25% ($75 max)
35% ($125 max)
20% ($250 max)
not covered
*Deductibles and out-of-pocket maximums are aggregated for the Consumer Directed High Deductible Plan and embedded for the Coordinated Care plans.
**$100 emergency room copay waived if admitted.
†Preventative
services and prescriptions obtained out-of-network are subject to maximum allowable charges; you are responsible for amounts exceeding
maximum allowable.
7
You have the choice of two Coordinated Care plans or
the Consumer Directed High Deductible Plan with HSA.
The Coordinated Care plans are offered through the
Saint Alphonsus and St. Luke’s hospital systems. The two
Coordinated Care plans cover services the same way but
use different networks.
Coordinated Care plans: Know your network!
Deductible*
– Individual
– Family
Coinsurance
Medical plan comparison
If you choose a Coordinated Care plan, you receive
the highest benefit level when you use the facilities
and providers associated with the hospital system you
chose (either Saint Alphonsus or St. Luke’s). It is your
responsibility to make sure you are receiving care from
providers and facilities designated by each Coordinated
Care plan. Search for your plan's providers on the Blue
Cross of Idaho website here.
If you need care outside the defined service area, we’ve
got you covered. Just search for a provider in the
Blue Cross National Network and the in-network
benefit for outside the service area will apply. If you need
to see a provider that’s not in-network either within
the service area or outside the service area, the out-ofnetwork benefit level will apply. Use in-network providers
to reduce your costs.
Consumer Directed High Deductible Plan
The Consumer Directed High Deductible Plan is
compatible with a Health Savings Account (HSA).
HSAs offer many tax advantages. Learn more here.
2016 Idaho Benefits Guide
Benefit Changes
Medical
Dental
Benefits in Review
Vision
FSAs
Eligibility
HSA
Life Insurance
Enrolling
Disability Insurance
Help and Support
Other programs & benefits
Medical
The Consumer Directed High Deductible Plan uses the
Blue Cross of Idaho PPO Network in Idaho and, outside
of Idaho, the Blue Cross and/or Blue Shield PPO Network
(national network).
• Out-of-pocket maximums include the deductible and
coinsurance.
• An aggregated deductible applies when covering
dependents with the Consumer Directed High
Deductible Plan. The entire deductible must be met
before the plan starts covering a percentage of the
cost for any covered family member (even if it’s met by
one member of the family alone). The out-of-pocket
maximums are also aggregated. The entire family outof-pocket maximum must be met before the plan starts
to pay 100% of covered services.
• If you receive out-of-network services, you will be
responsible for any costs above the maximum allowable
charge.
• The Coordinated Care plans have embedded, or per
person, deductibles and out-of-pocket maximums.
Each family member only needs to meet their individual
deductible before the plan starts covering a percentage
of the cost. If a family has only one person who has a
lot of health care expenses, embedded (or individual)
deductibles and out-of-pocket maximums can help
reduce your out-of-pocket costs.
• ER visit – The $100 copay is waived if you are admitted
to the hospital.
Micron HSA contribution
If you enroll in the Consumer Directed High Deductible
Plan, you will receive the following Health Savings
Account (HSA) contribution from Micron:
• Team member-only coverage: $250 Micron
contribution then $1 for $1 match of your contribution
up to maximum match of $250 annually, for a total
Micron contribution of $500 (initial contribution plus
match).
• If you cover dependents: $500 Micron contribution
then $1 for $1 match of your contribution up to
maximum match of $500 annually, for a total Micron
contribution of $1,000 (initial contribution plus match).
Common to all plans:
• A list of preventive drugs covered at 100% is available in
the medical plan documents and CVS website. You are
responsible for amounts exceeding maximum allowable
for preventive drugs obtained out of network.
• Unlimited lifetime maximum benefit.
8
2016 Idaho Benefits Guide
Benefit Changes
Medical
Dental
Benefits in Review
Vision
FSAs
Eligibility
HSA
Enrolling
Life Insurance
Disability Insurance
Help and Support
Other programs & benefits
Medical
Medical Premiums
Opt-out credit
The table below shows your biweekly cost for each of your three medical options for 2016. These premiums apply to
full-time and part-time team members and interns.
Coverage level
Consumer Directed High
Deductible Plan
Saint Alphonsus
Coordinated Care Plan
St. Luke’s
Coordinated Care Plan
Team member-only
$0
$19
$19
Team member + 1
$62
$78
$78
Team member + 2
$90
$106
$106
Team member + 3 or more
$135
$153
$153
9
If you decide to opt out of medical coverage for 2016,
you will receive a $12 credit as taxable pay in your
biweekly paychecks throughout the year.
Pharmacy
Pharmacy coverage for 2016 will move to CVS from
SelectHealth Pharmacy. Pharmacy services obtained
on or before December 31, 2015 will be administered
by SelectHealth. Pharmacy services obtained on or
after January 1, 2016 will be administered by CVS and
amounts you pay will be credited to your out-of-pocket
maximum under the medical plan. Additional detailed
information regarding this transition, such as mail order
instruction and pre-authorization information, will be
available at the Annual Enrollment Fairs and posted on
micronhealth.com.
2016 Idaho Benefits Guide
Benefit Changes
Medical
Dental
Benefits in Review
Vision
FSAs
Eligibility
HSA
Help and Support
Enrolling
Life Insurance
Disability Insurance
Other programs & benefits
Dental
Dental Plan
What’s covered
Reminder: If you do not make your Annual
Enrollment elections before 6:00 pm MT Nov. 20,
2015, you will be enrolled in team member-only
dental coverage for 2016.
Key features of the plan are listed below. For a complete list of covered services, limitations and exclusions, review
the Benefits Handbook on micronhealth.com.
Plan Features
Coverage
Annual deductible
$50 per person
The Micron Dental Plan provides comprehensive dental
coverage for enrolled full-time and part-time team
members and their covered dependents. You choose
which eligible dependents you wish to cover and you
and Micron share in the cost of coverage.
Family deductible
You can see any dentist, but you will receive the greatest
benefit if you use an in-network dentist. Go to
bcidaho.com to find an in-network dentist, or call
Blue Cross of Idaho at 208.286.3410 or 800.358.5527.
Basic: Fillings, root canals, oral surgery, sedation, periodontics
$150
Annual maximum benefit
$2,000 per person
What you pay
Covered services
In-network
Out-of-network
No cost to you
10%, not subject to deductible
20%
30%
Major: Inlays, crowns, bridges, dentures
50%
60%
Orthodontia: $2,000 lifetime maximum benefit
Includes installation of tooth-straightening appliances and
treatment to correct abnormally positioned teeth
50%
Diagnostic and preventive: Exams and cleaning, X-rays*
60%
*Diagnostic and preventative services are provided every six months.
Dental premiums
The table below shows your biweekly cost for the Micron Dental Plan in 2016.
Coverage level
Full-time team members
Part-time team members
Team member-only
$0
$9
Team member + 1
$13
$22
Team member + 2
$16
$28
Team member + 3 or more
$21
$39
10
2016 Idaho Benefits Guide
Benefit Changes
Medical
Dental
Benefits in Review
Vision
FSAs
Eligibility
HSA
Help and Support
Enrolling
Life Insurance
Disability Insurance
Other programs & benefits
Vision
Reminder: If you do not make your Annual
Enrollment elections before 6:00 p.m. MT Nov. 20,
2015, you will be enrolled in team member-only
vision coverage for 2016.
What’s covered
Key features of the plan are listed below. For a complete list of covered services, and to learn about extra discounts and
savings through VSP, go to the Benefits Handbook on micronhealth.com.
Service or supply
Micron’s vision plan provides comprehensive vision
coverage for enrolled full-time and part-time team
members and their covered dependents. You choose
which eligible dependents you wish to cover and you
and Micron share in the cost of coverage.
Micron’s vision plan is administered by Vision Service
Plan, or VSP. You can receive benefits from any
optometrist or ophthalmologist, but you receive greater
benefits when you use VSP providers. Find a VSP provider
at www.vsp.com or by calling VSP at 800.877.7195.
What you pay
VSP providers
Eye exams
(Once every 12 months)
Non-VSP providers
You pay the amount over $45
$10 copay
Prescription lenses
(Every 12 months)
Frames
(Every 24 months)
Contact lenses
(Every 12 months in lieu of
prescription glasses)
$15 copay
$35 for standard anti-reflective coating
You pay the amount over:
•$30 for single lenses
•$50 for bifocal lenses
•$65 for trifocal lenses
•$100 for lenticular lenses
•$5 for tints
You pay the amount over $130
You pay the amount over $70
You pay the amount over $130
(medically necessary lenses are covered in full)
You pay the amount over $105
(for medically necessary lenses, you pay
amount over $210)
Vision premiums
The table below shows your biweekly cost for Micron’s vision plan in 2016.
Coverage level
Full-time team members
Part-time team members
Team member-only
$0
$2
Team member + 1
$4
$5
Team member + 2
$5
$6
Team member + 3 or more
$7
$9
11
2016 Idaho Benefits Guide
Benefit Changes
Medical
Dental
Benefits in Review
Vision
FSAs
Eligibility
HSA
Life Insurance
Enrolling
Disability Insurance
Help and Support
Other programs & benefits
FSAs
Big changes
Flexible Spending Accounts
FSAs compared
Using your FSA
Big changes to the Flexible Spending Accounts (FSAs) in 2016!
H
ealth Care FSA and the Consumer Directed High
Deductible Plan
If you elect the Consumer Directed High Deductible
Plan you can only open a Limited-Purpose Health Care
FSA. This means that If you currently participate in
Health Care FSA and enroll in the Consumer Directed
High Deductible Plan for 2016, your Health Care FSA
account balance must be $0 by December 31, 2015.
To allow adequate processing time, you must submit
2015 Health Care FSA claims to Flores & Associates
by December 11, 2015. If you have a balance in your
Health Care FSA on January 1, 2016, you will be
ineligible to receive the Micron HSA contribution, or
make your own contributions to your HSA until the
Health Care FSA plan year’s run-out period expires on
March 31, 2016.
12
N
ew FSA administrator
Tri-Ad will be the administrator for FSAs starting
in 2016. If you had a Health Care or Day Care FSA
in 2015, continue to file 2015 claims with Flores &
Associates at flores247.com. You have until March 31,
2016 to submit FSA claims for claims incurred through
March 15, 2016.
Introducing the Health Care FSA rollover
In 2016, we are allowing a rollover of up to $500 of
unused Health Care FSA dollars. The rollover feature
does not apply to your 2015 Health Care FSA funds.
Introducing a Limited Purpose Health Care FSA
If you enroll in the Conusmer Directed High Deductible
Plan and open a Health Savings Account (HSA), you
cannot have a regular Health Care FSA, but you can
open a Limited Purpose Health Care FSA. Learn more
here.
2016 Idaho Benefits Guide
Benefit Changes
Medical
Benefits in Review
Dental
Vision
FSAs
Eligibility
HSA
Help and Support
Enrolling
Life Insurance
Disability Insurance
Other programs & benefits
FSAs
Flexible Spending Accounts
FSA comparison
Flexible Spending Accounts (FSAs) enable you to save
tax-free dollars to pay for certain health care and day
care expenses. The accounts help you save taxes while
planning for expected expenses.
FSAs are compared in the table below. For more details, including a full list of eligible expenses, see the Benefits
Handbook on micronhealth.com.
Your contributions are deducted from your paycheck
and deposited in an FSA with Tri-Ad, our FSA plan
administrator. You don’t pay federal income tax or Social
Security and Medicare taxes on your contributions. When
you incur an eligible expense, you are reimbursed from
your FSA tax-free.
Plan year
Jan. 1- Dec. 31, 2016
Jan. 1- Dec. 31, 2016
Jan. 1- Dec. 31, 2016
Claim run-out period*
March 31, 2017
March 31, 2017
March 31, 2017
All full-time team members and
team members enrolled in the
Coordinated Care plans
All full-time team members
and team members enrolled in
the Consumer Directed High
Deductible Plan
All full-time team members
Eligibility
Maximum annual contribution
$2,550
$2,550
$5,000
The Health Care FSA and the Day Care FSA are separate
accounts – you can’t use the funds from your Health
Care FSA to pay day care expenses, or vice versa.
Minimum annual contribution
$100
$100
$100
Eligible expenses
Out-of-pocket medical, dental
and vision expenses, including
deductibles copays and
coinsurance.
Out-of-pocket dental and vision
expenses including deductibles,
copays and coinsurance.
Medical expenses after the
deductible is met.
Day care costs for your children
under 13 or dependent elders
so you (and your spouse) can
work or attend school full-time.
Tax savings
Contributions are deducted from your paycheck before federal income and FICA taxes are calculated,
and, in most cases, before state and local income taxes are calculated. This lowers your taxable
income and, in turn, reduces the income taxes you pay.
Use it or lose it
Up to $500 will roll over to use the following year; amounts over
$500 will be forfeited.
You must make a new election each plan year, as
elections do not carry over to the next plan year.
You may change your annual election only if you have
a qualified life event such as marriage, divorce, addition
or loss of a dependent, a change in your spouse’s
employment or a change in your dependent care needs.
Limited Purpose FSA
Health Care FSA
Regular
Day Care FSA
Limited Purpose
Funds remaining in the account
at the end of the plan year are
forfeited.
*You have until March 31st 2017 to submit claims that were incurred in the 2016 plan year.
If you enroll in the Consumer Directed High Deductible
Plan, you cannot have a regular Health Care FSA, but
you can enroll in a Limited Purpose FSA, according to IRS
rules. You can use a Limited Purpose FSA to pay for your
out-of-pocket dental and vision expenses. After your
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2016 Idaho Benefits Guide
Benefit Changes
Medical
Dental
Benefits in Review
Vision
FSAs
Eligibility
HSA
Life Insurance
Enrolling
Disability Insurance
Help and Support
Other programs & benefits
FSAs
medical plan deductible is paid, you can also use the
account to pay for out-of-pocket medical expenses.
Before opening a Limited Purpose FSA, first consider
contributing up to the maximum to your HSA. HSAs are
more flexible and there is no use-it-or-lose-it feature.
You must make a new election each plan year, as
elections do not carry over to the next plan year.
You may change your annual election only if you have
a qualified life event such as marriage, divorce, addition
or loss of a dependent, a change in your spouse’s
employment or a change in your dependent care needs.
The majority of BenefitCard transactions will
automatically be approved, though some may require
additional documentation. Be sure to keep all your
receipts as proof.
For more information, call Tri-Ad at 888.844.1372
weekdays 4 am to 5 pm MT or go to
www.tri-ad.com/fsa.
Using your FSA
If you enroll in an FSA, Tri-Ad will send a welcome kit
to your home with your Health Care FSA debit card
(BenefitCard) and helpful tips and information on how to
set-up your online account. More information including
how to use your BenefitCard, a list of eligible expenses,
frequently asked questions and expense estimators is
available at www.tri-ad.com/fsa.
When you incur an eligible expense, you are reimbursed
from your FSA. You can either pay for the eligible
expense out-of-pocket, then submit a claim for
reimbursement, or use your Tri-Ad BenefitCard. The
BenefitCard works like a debit card and is linked to
your FSA account. You can swipe the card right at your
doctor’s office or in many stores selling items eligible for
FSA reimbursement.
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2016 Idaho Benefits Guide
Benefit Changes
Medical
Dental
Benefits in Review
Vision
FSAs
Eligibility
HSA
Help and Support
Enrolling
Life Insurance
Disability Insurance
Other programs & benefits
HSA
Your Health Savings Account (HSA)
Use your HSA to pay health care costs tax-free
The Consumer Directed High Deductible Plan is
compatible with a Health Savings Account, or HSA.
Use your HSA to pay for your medical, dental and vision
plan out-of-pocket costs.
HSA
Out-of-pocket
maximum
Both you and Micron make contributions to your HSA.
You can use your HSA to reimburse yourself for out-ofpocket health care expenses, such as the deductible and
coinsurance amounts, for you and your tax dependents.
Deductible
You don’t pay federal income tax or FICA taxes
on money you or Micron contribute to your HSA,
withdrawals to pay for eligible expenses, or investment
earnings.
The HSA is completely portable. Any unused funds in
your account are yours to keep, even if you leave Micron.
And there is no use-it-or-lose-it-rule – funds roll over
each year.
Coinsurance
Covered 100%
Preventive care and preventive drugs covered at 100%
Funding your HSA
You and Micron can both contribute to your HSA. Micron’s contribution depends on whether you have team member-only
coverage or if you cover dependents:
Consumer Directed
High Deductible
Plan coverage
Micron
contribution
Micron
match
Total if you contribute
enough for the max match
Unmatched
contributions
Team member-only
coverage
$250
$1 for $1
match up to an
additional $250
$250 from Micron + your $250
contribution + $250 matching
contribution = $750
You can contribute up to an
additional $2,600 in pre-tax
dollars from your pay
If you cover
dependents
$500
$1 for $1 match
up to additional
$500
$500 from Micron + your $500
contribution + $500 matching
contribution = $1,500
You can contribute up to an
additional $5,250 in pre-tax
dollars from your pay
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2016 Idaho Benefits Guide
Benefit Changes
Medical
Benefits in Review
Dental
Vision
FSAs
Eligibility
HSA
Life Insurance
Enrolling
Disability Insurance
Help and Support
Other programs & benefits
HSA
When you enroll in benefits, the enrollment system
will take you through the steps to start pre-tax
payroll deductions for your HSA. Micron’s HSA will be
administered by Tri-Ad.
HSA eligibility
You pay no federal income tax or FICA taxes on:
Maximum HSA contributions
1.Money you and Micron contribute to an HSA,
The combined maximum you and Micron can contribute
to your account in 2016 is:
• You cannot be enrolled in any other non-qualified
health plan, such as:
What’s so special about an HSA?
Tax savings!
2.Withdrawals to pay for eligible expenses, or
3.Investment earnings.
Triple tax advantages make an HSA a powerful
savings tool.
If you are in a 25% federal income tax bracket,
a common bracket for Micron team members,
your total tax savings =
25% federal income tax savings
7.65% FICA tax savings
32.65% total savings
This means that for every $1,000 you contribute
to your account, you reduce your taxes by
about $326!
• $3,350 for team member-only coverage, or
• $6,750 if you cover dependents.
• If you turn 55 or older in 2016, you can contribute an
additional $1,000. Maximums are set by the IRS each
year.
It’s between you and the IRS
An HSA is your own personal account, which means it’s
your responsibility to make sure you are eligible for an
HSA and that you only use it for eligible expenses. Every
year when you file your tax return, you must report all
HSA contributions and withdrawals. Be sure you know
the rules, keep your receipts, and ask questions if you’re
not sure.
Investing your HSA balance
Once your account balance reaches $1,000, you can
invest your HSA in a variety of mutual fund options.
To open an HSA:
• You must be enrolled in the Consumer Directed High
Deductible Plan.
»»Medicare (including Part A, which many people are
automatically enrolled in at age 65 without
any action on their part)
»»Medicaid
»»Tricare (a military health system)
»»Your spouse's non-high-deductible health plan.
• You cannot participate in a traditional Flexible Spending
Account, though you can participate in a Limited
Purpose FSA, which provides reimbursement for dental,
vision and post-deductible medical expenses only.
• You cannot be claimed as a dependent on another
individual’s tax return.
Note: eligibility for an HSA is based on the coverage
YOU have. So if a covered dependent such as a spouse
is enrolled on another medical plan, this does not affect
your eligibility to open an HSA.
It is important you understand the IRS requirements for
HSA participation. Review IRS Publication 969 for more
details.
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2016 Idaho Benefits Guide
Benefit Changes
Medical
Dental
Benefits in Review
Vision
FSAs
Eligibility
HSA
Life Insurance
Enrolling
Disability Insurance
Help and Support
Other programs & benefits
HSA
Getting started
Making payments from your HSA
If you enroll in the Consumer Directed High Deductible
Plan, an HSA will be automatically opened for you with
Tri-Ad. You will receive a welcome kit from Tri-Ad within
four to six weeks after enrolling. You can make your HSA
contribution election when you enroll in benefits on the
Tri-Ad enrollment tool.
There are several ways to use your account funds to pay
for eligible expenses:
After you set up your HSA contribution, paycheck
deductions will start the first pay period following the
enrollment effective date. Funds are deposited into your
HSA approximately five to seven business days after
being deducted.
• Use an HSA Visa debit card. Payments will be
deducted from your account.
• Submit a claim. Reimburse yourself for any eligible
expenses by submitting a paper claim form.
You are responsible for ensuring withdrawals, including
debit card purchases, are for qualified expenses. Keep your
receipts in the event you need to show proof to the IRS.
Eligible expenses
You can use your HSA to pay for your out-of-pocket
medical, dental and vision expenses. You can use the
account to pay for your tax dependents’ expenses too,
even if they aren’t covered under your Micron benefits.
Eligible expenses include:
• Medical and dental deductibles and coinsurance
amounts
• Vision copays and other costs
• Eligible expenses not covered by the plan, such as
dental and orthodontic care above the dental plan
limits.
A full list of eligible expenses can be found in
IRS publication 502.
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2016 Idaho Benefits Guide
Benefit Changes
Medical
Dental
Benefits in Review
Vision
FSAs
Eligibility
HSA
Life Insurance
Enrolling
Disability Insurance
Help and Support
Other programs & benefits
Life Insurance
Life Insurance
Life insurance
Supplemental life insurance
All full-time team members are automatically covered by
Micron’s basic life and AD&D insurance at no cost. Life
insurance protects you and your family in the event of
your death.
E
xpanded Services through
The Hartford
In addition to your basic life insurance, you can purchase
additional coverage for yourself, as well as coverage for
your family members. Options include:
Basic Life and AD&D insurance
• Supplemental team member life and AD&D insurance
• Spouse life and AD&D insurance
• Child life insurance
The life insurance plan is administered by The Hartford.
Life insurance benefits are paid to your beneficiary if you
die. It is important to designate a beneficiary and keep
your beneficiary information up to date. To designate
your beneficiary online go to ielect.com. You may
change your beneficiary at any time.
If you forget your ielect PIN for your life insurance, call
customer service at 877.632.8110. Micron does not have
your PIN information. The online “request your PIN”
function will not work unless you have previously set up
your profile on ielect.com with your e-mail address.
Basic Life and AD&D Insurance
Life insurance pays a benefit if you die. The AD&D
coverage pays a benefit equal to the amount of basic life
coverage when you suffer certain accidental injuries or
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death resulting from a covered accident. The accidental
death benefit is paid in addition to any basic life
insurance benefit you receive.
As a full-time Micron team member you are automatically
provided Basic Life and AD&D insurance equal to one times
your annual base pay, up to $850,000. You pay taxes on
the value of coverage exceeding $50,000. Your Basic Life
coverage adjusts as your annual base pay changes.
Supplemental, Spouse, and Child Life
Insurance
You can buy additional life insurance coverage for yourself
and for your spouse and children. You pay the full cost of
this optional life insurance coverage. Supplemental and
Spouse life insurance include AD&D benefits.
You can make changes to your life insurance coverage at
any time during the year, but you are offered higher levels
of coverage without providing evidence of insurability
(good health) when you are first eligible and during
annual enrollment.
When you are first eligible for benefits, you can purchase
team member life insurance coverage of up to $300,000
and spouse life insurance coverage of up to $50,000
without having to provide evidence of insurability (EOI)
to The Hartford. During annual enrollment each year, you
can increase coverage up to $30,000 for team member
coverage or $10,000 for spouse coverage (up to the EOI
limits) without having to provide EOI to The Hartford.
2016 Idaho Benefits Guide
Benefit Changes
Medical
Dental
Benefits in Review
Vision
FSAs
Eligibility
HSA
Help and Support
Enrolling
Life Insurance
Disability Insurance
Other programs & benefits
Life Insurance
If you are requesting coverage above the EOI limits, or
requesting an increase to your coverage outside annual
enrollment, EOI is required.
Supplemental, Spouse, and Child Life Insurance coverage options
During Annual Enrollment, coverage increases that are
not subject to EOI are effective Jan. 1, 2016. All coverage
requiring EOI approval from The Hartford will be effective
the first of the month following notification of the
approval.
Option
Who is covered
Coverage levels
Coverage maximum
Evidence of Insurability (EOI)
Supplemental life
and AD&D
You
$10,000 increments
Greater of $200,000 or
5 times your annual salary,
to a maximum of $1 million
Required for total coverage over
$300,000, or for any increase in
coverage of more than $30,000
Spouse life and
AD&D
Your spouse
$10,000 increments
Up to 100% of team
member basic and
supplemental coverage, to a
maximum of $500,000
Required for total coverage over
$50,000, or for any increase in
coverage of more than $10,000
Child life
Your dependent
children to age 26
$5,000 or $10,000
$10,000
Not required
Important: It is your responsibility to contact The
Hartford directly via the online system or by phone
at 800.331.7234, to track the progress and address
questions or concerns regarding your pending life
insurance request. Micron does not monitor pending
requests at The Hartford. All pending requests will be
closed after 120 days of inactivity.
Supplemental, Spouse, and Child Life
Insurance coverage options
The table at right outlines your supplemental life
insurance options. If you and your spouse are both
full-time team members and you wish to purchase
additional life insurance, you must enroll individually for
supplemental life insurance. You cannot purchase spouse
life insurance for a spouse who is also a team member.
You and your spouse may each carry child life insurance
for the same eligible dependent.
You must be actively at work for any increase or
enrollment in your life insurance coverage to be effective.
The table below outlines your supplemental life insurance options during Annual Enrollment.
All increases made outside Annual Enrollment or a qualified mid-year event require EOI.
Supplemental, Spouse, and Child Life Insurance premiums
The tables below show the biweekly premiums for full-time team members.
Supplemental and Spouse life insurance
Age
Under 30
30 to 34
34 to 39
40 to 44
45 to 49
50 to 54
55 to 59
60 to 64
65 to 69
Cost per
$10,000 of
coverage
$0.272
$0.314
$0.360
$0.448
$0.655
$0.955
$1.708
$2.566
$4.855
70 or
over
$7.814
Child life insurance
Coverage level
Cost
$5,000
$0.25
$10,000
$0.51
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Medical
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Benefits in Review
Vision
FSAs
Eligibility
HSA
Life Insurance
Enrolling
Disability Insurance
Help and Support
Other programs & benefits
Life Insurance
Expanded Services through The Hartford
Your Micron Life Insurance coverage includes the
following additional benefits at no cost:
• Employee Travel Assistance Program: This program
provides for travel assistance such as
pre-trip information, emergency medical assistance,
and emergency personal services when traveling
more than 100 miles from home.
• Life Conversations and Everest Funeral Planning:
Life Conversations help families prepare for the future
and provide assistance navigating through end-oflife discussions, including funeral planning and grief
counseling.
• Estate Guidance: This service helps you to create a
simple will with the support of licensed attorneys.
• Beneficiary Assist: As a named beneficiary to a
Micron life insurance claim, your benefits include
unlimited phone counseling, financial planning, and
legal information.
You can access additional information and
details regarding these expanded benefits on
Micronhealth.com.
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2016 Idaho Benefits Guide
Benefit Changes
Medical
Dental
Benefits in Review
Vision
FSAs
Eligibility
HSA
Life Insurance
Enrolling
Disability Insurance
Help and Support
Other programs & benefits
Disability Insurance
Disability Insurance
Micron offers coverage to protect you and your family
if you become disabled and unable to work.
Disability benefits provide income if you cannot work
due to an illness or injury. All full-time team members
are automatically enrolled in short-term and long-term
disability coverage, fully paid by Micron. Coverage is
automatic, you do not need to enroll. Your Micron
disability benefits may be reduced by other disability
benefits, including state-mandated disability benefits.
earnings for any or all of your period of disability. When
short-term disability benefits end, you may be eligible to
receive long-term disability benefits.
In certain states, short-term disability benefits are offset
by any income received through the State Disability
Insurance (SDI) program. This means the combination of
state disability and Micron short-term disability pay will
replace 66-2/3 percent of your daily earnings.
To learn more, visit micronhealth.com and view the
Benefits Handbook.
Short-Term Disability
Long-Term Disability
Short-term disability insurance provides income
protection if you cannot work due to a non-work-related
illness or injury, including maternity.
Long-term disability replaces 66-2/3 percent of your
monthly earnings if you are disabled and cannot work,
up to a maximum benefit of $15,000 per month.
These benefits begin after short-term disability benefits
end. Micron provides all full-time team members this
coverage at no cost to you. It is automatic and you do
not need to enroll.
Short-term disability begins to pay benefits after you
cannot work for 14 consecutive calendar days. After
14 days, short-term disability will pay 66-2/3 percent of
your daily earnings. “Daily earnings” generally means
your base salary or hourly wage just before your date of
disability. It includes a limited amount of incentive pay,
but not bonuses.
Benefits will continue for up to 180 days from the date
your disability started, as long as you remain disabled.
You can choose to use available Time Off Plan (TOP)
hours to cover your regularly scheduled hours missed
before short-term disability benefits begin, or to
supplement disability benefits to 100 percent of daily
“Monthly earnings” generally means your base salary or
hourly wage just before your date of disability. It includes
a limited amount of overtime pay, but not bonuses or
incentive pay.
During the first 24 months of disability, you are deemed
disabled if unable to perform the material duties of your
own occupation. After 24 months, to be considered
disabled you must not be able to perform the duties of
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any occupation for which you are suited by prior training,
education and experience.
As long as you remain disabled, your benefits will
generally continue up to normal Social Security retirement
age. If you are age 62 or older when you become
disabled, benefits may continue for longer.
You may be eligible to convert your coverage to an
individual policy if you leave Micron, provided you apply
and pay the first premium within 31 days of your group
coverage ending. Contact Reliance Standard at
800.644.1103 for more information.
Benefit limitations
Long-term disability insurance won’t pay benefits for
any pre-existing condition until 12 months after your
coverage takes effect. A pre-existing condition is any
health condition you receive treatment for three months
prior to your coverage effective date.
You can receive disability benefits from other sources
while receiving long-term disability benefits, such as
Social Security benefits, workers’ compensation and
third-party legal settlements, but your long-term disability
benefit will be reduced by the amount of other benefits
you receive.
To learn more, visit micronhealth.com and view the
Benefits Handbook.
2016 Idaho Benefits Guide
Benefit Changes
Medical
Benefits in Review
Dental
Vision
FSAs
Eligibility
HSA
Life Insurance
Enrolling
Disability Insurance
Help and Support
Other programs & benefits
Other programs & benefits
EAP
Employee Assistance Program:
24/7 at 844-470-5745
Micron Family Health Center
The Employee Assistance Program (EAP) provides 24/7
confidential, professional counseling and referral services
to help you and your family with personal, job or family
issues. The program is no-cost, completely confidential
and available to all Micron team members and their
families. The Micron EAP provides for unlimited phone
support and up to six face-to-face consultations per issue.
Business Travel Accident Insurance
Long-Term Care Insurance
Some common concerns the EAP can help with include:
• Stress, anxiety and depression
• Life transitions
• Grief and loss
• Divorce or separation
• Conflict resolution
• Substance abuse
• Work/life counseling
The EAP also provides financial counseling, legal
consultations and more. Additional charges may apply.
Call 844-470-5745 or visit guidanceresources.com for
more information (web ID: MICRON).
Micron Family Health Center
The Micron Family Health Center is an option for all
full-time, part-time and Micron intern team members
and their eligible dependents to obtain medical care at a
very affordable rate. The Micron Family Health Center is
conveniently located on the Boise site near the baseball
fields and on-site gym.
Costs to visit the Micron Family Health Center are
outlined on the following page and are due at time of
service. Copayments for team members covered under
the Consumer Directed High Deductible Plan, St. Luke’s
Coordinated Care Plan, Saint Alphonsus Coordinated
Care Plan, and the PPO Plan will be automatically billed to
Blue Cross of Idaho and credited toward your deductible.
If you are enrolled in the Kaiser HMO plans or covered by
another insurance plan, the Micron Family Health Center
is considered out-of-network, and it is your responsibility
to submit claims to your insurance carrier if you are
seeking reimbursement for services provided at the onsite clinic. Coverage for services obtained at the Micron
Family Health Center are subject to the terms of your
insurance policy, and may not be reimbursable expenses.
Idaho team members are also eligible to use the On-Site
Health Center located in Manassas, Virginia.
These services are available effective Jan. 1, 2016.
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2016 Idaho Benefits Guide
Benefit Changes
Medical
Dental
Benefits in Review
Vision
FSAs
Eligibility
HSA
Life Insurance
Enrolling
Disability Insurance
Help and Support
Other programs & benefits
Other programs & benefits
Costs to visit the Micron Family
Health Center
Medical Plan
Business Travel Accident Insurance
Office visit cost
Consumer Directed High Deductible Plan
$40
--St. Luke’s Coordinated Care Plan
--Saint Alphonsus Coordinated Care Plan
--PPO (outside Idaho medical plan)
--Kaiser Mid-Atlantic HMO
--Kaiser Northern California HMO
$45
--Medical opt-outs
--New hires prior to their benefits
effective date
--Team members on a leave of absence
greater than 24 weeks
Business Travel Accident (BTA) Insurance, automatically
provided to all team members and fully paid by Micron,
pays benefits if you die or experience a covered disability
resulting from an accident while:
• On a business or relocation trip
$50
• On an international assignment outside your home
country
BTA benefits are in addition to any benefit paid by other
Micron plans, such as the life and AD&D insurance plans.
For detailed information on Business Travel Accident
Insurance coverage, go to the Benefits Handbook at
micronhealth.com.
You can purchase long-term care insurance for yourself,
your spouse or domestic partner, or your parents, stepparents, grandparents, step-grandparents or in-laws.
You can enroll in the plan or increase coverage at any
time, but you may need to provide proof of good health.
You must be actively at work for any increase in coverage
to be effective.
To request more information, call Genworth at
800-416-3624.
Long-Term Care Insurance
Micron offers Long-Term Care Insurance to all full-time
team members age 18 and over. This is an optional
benefit, provided through Genworth Life Insurance
Company, and you pay the full cost of coverage.
Long-Term Care Insurance helps to reimburse charges
for services received at home, in the community or in
a nursing facility if you or a family member needs help
performing any two of the following everyday activities:
bathing, dressing, eating, continence, toileting or
transferring. You may also qualify for benefits if you
or a family member suffers from a severe cognitive
impairment requiring substantial supervision.
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2016 Idaho Benefits Guide
Benefit Changes
Benefits in Review
Eligibility
Enrolling
Help and Support
Eligibility
Eligibility basics
Eligibility basics
When coverage begins
Eligibility for Micron benefits depends on your work status and location. You can also enroll your eligible dependents in
certain benefits. You have 30 days from your hire date to enroll in benefits.
Eligible dependents
Full-time and part-time team members of Micron or wholly owned U.S.-based Micron subsidiaries are eligible for Micron
benefits as described in the table below. Micron interns are only eligible for medical coverage.
If you lose eligibility
Definition
Full-time team members
Part-time team members
Works an average of 38 hours per week,
48 weeks per year
Works an average of 18 hours, but less
than 38 hours per week, 48 weeks per year
Medical
Dental
Flexible Spending Accounts
Vision
Disability insurance
Life insurance
(Basic, Supplemental, Spouse, and Child)
Business Travel Accident insurance
Employee Assistance Program
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2016 Idaho Benefits Guide
Benefit Changes
Benefits in Review
Eligibility
Enrolling
Help and Support
Eligibility
When coverage begins
Coverage begins the first of the month following your
date of hire. Full-time team members who do not enroll
within the deadline will be automatically enrolled in
team member-only coverage in the Consumer Directed
High Deductible Plan, Dental and Vision Plan, ShortTerm and Long Term-Disability, Basic Life Insurance,
EAP and Business Travel Accident insurance. Part-time
team members and interns who do not enroll within
the deadline will be automatically enrolled in team
member-only coverage in the Consumer Directed High
Deductible Plan.
Eligible dependents
Dependent eligibility is based on the Internal Revenue
Code definition and can be very complicated. In general,
in order to qualify for Micron’s insurance plans, your
dependent must be one of the following:
• A legal spouse
• A child or stepchild under age 26
• A child or stepchild with mental or physical disability
If you and your spouse both work at Micron, you can
either enroll individually or as a dependent on either
team member’s coverage. You, or your dependents,
cannot be covered on more than one Micron medical,
dental or vision plan at any time.
Full details of dependent eligibility requirements
are available in the Benefits Handbook on
micronhealth.com. If you are unsure whether your
dependent meets the eligibility requirements, be sure to
verify by contacting the HR Customer Service Center at
800.336.8918.
If you lose eligibility
Certain events may cause you to lose benefits eligibility.
For example, if your employment ends or your hours are
reduced below a certain level. Some life events, such
as divorce or reaching an age maximum, may cause
dependents to lose eligibility. In the case of a dependent’s
loss of eligibility due to a life event, you must initiate a
mid-year change at benenroll.micron.com within 60
days of the event and provide proof of the event. Kaiser
Permanente HMO participants are required to initiate a
mid-year change within 31 days of the event.
Coverage generally ends on the date of the event or
on the last day of the month following the date of the
event. Please review the Benefits Handbook posted on
micronhealth.com for detailed information regarding
the effective date for specific mid-year events. You and
your enrolled dependents may be eligible to continue
certain coverages through COBRA or convert to individual
coverage if you meet certain deadlines.
For more information, contact the Micron HR Customer
Service Center at 800.336.8918.
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2016 Idaho Benefits Guide
Benefit Changes
Benefits in Review
Eligibility
Enrolling
Help and Support
Enrolling
Making changes/life events
Enroll here:
From work: use the single sign-on benenroll
Enroll 6:00 am MT Oct. 29
to 6:00 pm MT Nov. 20
Annual Enrollment is your yearly opportunity to review
your benefits and make new choices for the coming year.
This year, you must make an active election if you want
medical, dental and vision coverage for dependents. Your
current dependent medical, dental and vision coverage
will not continue.
You must actively choose dependent coverage for 2016.
Any changes you make will go into effect January 1,
2016, and generally remain in place for the entire year.
You can only change your benefits during the year if
you have a qualified change in family status, such as a
marriage, birth, divorce, etc.
New enrollment system
We have a new benefits enrollment system you can
access from work or home! The enrollment site includes
a decision tool to help you decide which medical plan is
best for you and your family.
From outside: log in to benenroll.micron.com
If you do not enroll within the deadline:
If you do not go online to enroll, you will automatically
be covered for team member-only coverage
(dependents will be dropped) in the following plans:
Following Annual Enrollment, you can only change your
benefit elections during the year if you have a qualified
change in status, such as a birth, marriage, divorce.
Changes must be made within 60 days of the event date
(within 31 days for Kaiser HMO and Cigna International
medical plans). Make changes by logging into the new
benefits enrollment system:
• Consumer Directed High Deductible Plan
From work: use the single sign-on benenroll
• Dental
From outside: log in to benenroll.micron.com
• Vision
You must enroll each year to participate in the health
care and dependent care flexible spending accounts.
The cost of this coverage will be deducted from your
paycheck on a pre-tax basis. Premiums for coverage can
be found here.
Your current life insurance and 401(k) contribution
elections carry forward into 2016. However, you are
encouraged to review and update your beneficiary
information as needed.
Full-time team members will also be covered by shortterm disability, long-term disability and business travel
accident insurance at no cost to you.
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Notification and submission of necessary supporting
documentation is required within the specified time
period in order for a change to be effective. If you have
questions, please contact the HR Customer Service Center
at 800.336.8918 or 208.368.4748. You can also e-mail
[email protected].
Need more information? Visit HROnline and select the
Life Event: What If… drop-down from any page. This
tool will guide you through what to consider when you
get married, have a child, or experience any event that
could affect your benefits. It also provides instructions for
completing any changes.
You can also review the Benefits Handbook on
micronhealth.com for comprehensive information
on mid-year events and deadlines, including special
enrollment rights through CHIP or WHCRA.
2016 Idaho Benefits Guide
Benefit Changes
Contact Information
Benefits in Review
Eligibility
Enrolling
Help and Support
Important Notices
Contact Information
Help and support
You have lots of help and support when it comes to benefits. Use this page to find the support you need. Remember,
the Micron HR Customer Service Center should be your first stop regarding general enrollment and eligibility questions.
Contact the specific plan administrators listed for questions regarding claims or information specific to coverage, providers, etc.
Topic
Support provider
Contact information
Medical
Blue Cross of Idaho
800.358.5527
Saint Alphonsus
208.367.4141
St. Luke’s
208.493.0394
Prescription drug
CVS
855.839.5205
Dental
Blue Cross of Idaho
800.358.5527
bcidaho.com
bcidaho.com
Vision
Vision Service Plan
800.877.7195
vsp.com
FSAs and HSA
Tri-Ad
888.844.1372
tri-ad.com/fsa
Life and AD&D Insurance
The Hartford
800.331.7234
ielect.com
Short-Term Disability
Matrix
877.202.0055
www.matrixeservices.com
Long-Term Disability
Reliance Standard
800.644.1103
www.matrixeservices.com
Long Term Care
Genworth
800.416.3624
genworth.com/groupltc
guidanceresources.com
Employee Assistance Program
ComPsych
844.470.5745
Business Travel Accident Insurance
Chubb
800.252.4670
Micron Family Health Center
Boise main campus
208.368.5656
Micron benefits general questions
Micron HR Customer Service Center
208.368.4748 or
800.336.8918
[email protected]
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2016 Idaho Benefits Guide
Benefit Changes
Contact Information
Benefits in Review
Eligibility
Enrolling
Help and Support
Important Notices
Important Notices
WHCRA
Women’s Health and Cancer Rights
Act of 1998
CHIP
Micron’s medical plans, as required by the Women’s
Health and Cancer Rights Act of 1998, provide benefits
for mastectomy-related services including reconstruction
and surgery to achieve symmetry between the breasts,
prostheses and complications resulting from
a mastectomy, including lymphedema.
HIPAA
Medicare Part D
Premium Assistance Under Medicaid
and the Children’s Health Insurance
Program (CHIP)
If you or your children are eligible for Medicaid or
CHIP and you’re eligible for health coverage from your
employer, your state may have a premium assistance
program that can help pay for coverage, using funds
from their Medicaid or CHIP programs. If you or your
children aren’t eligible for Medicaid or CHIP, you won’t
be eligible for these premium assistance programs but
you may be able to buy individual insurance coverage
through the Health Insurance Marketplace. For more
information, visit www.healthcare.gov.
your dependents might be eligible for either of these
programs, contact your State Medicaid or CHIP office or
dial 877-KIDS NOW or www.insurekidsnow.gov to
find out how to apply. If you qualify, ask your state if it
has a program that might help you pay the premiums for
an employer-sponsored plan.
If you or your dependents are eligible for premium
assistance under Medicaid or CHIP, as well as eligible
under your employer plan, your employer must allow
you to enroll in your employer plan if you aren’t
already enrolled. This is called a “special enrollment”
opportunity, and you must request coverage within
60 days of being determined eligible for premium
assistance. If you have questions about enrolling in
your employer plan, contact the Department of Labor at
www.askebsa.dol.gov or call 866-444-EBSA (3272).
If you live in one of the following states, you may be
eligible for assistance to pay your employer health plan
premiums. The list of states on the following two pages
is current as of July 31, 2015. Contact your state for
more information on eligibility.
If you or your dependents are already enrolled in
Medicaid or CHIP and you live in a State listed below,
contact your State Medicaid or CHIP office to find out
if premium assistance is available.
If you or your dependents are NOT currently enrolled
in Medicaid or CHIP, and you think you or any of
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2016 Idaho Benefits Guide
Benefit Changes
Contact Information
Benefits in Review
Eligibility
Enrolling
Help and Support
Important Notices
Important Notices
Medicaid and/or CHIP Eligibility by State
ALABAMA – Medicaid
Website: www.myalhipp.com
Phone: 855.692.5447
KANSAS – Medicaid
Website: http://www.kdheks.gov/hcf
Phone: 800.792.4884
MONTANA – Medicaid
Website: http://medicaid.mt.gov/member
Phone: 800.694.3084
ALASKA – Medicaid
Website:
http://health.hss.state.ak.us/dpa/programs/medicaid/
Phone (Outside of Anchorage): 888.318.8890
Phone (Anchorage): 907.269.6529
KENTUCKY – Medicaid
Website: http://chfs.ky.gov/dms/default.htm
Phone: 800.635.2570
NEBRASKA – Medicaid
Website: www.ACCESSNebraska.ne.gov
Phone: 855.632.7633
LOUISIANA – Medicaid
Website: http://dhh.louisiana.gov/index.cfm/
subhome/1/n/331
Phone: 888.695.2447
NEVADA – Medicaid
Medicaid Website: http://dwss.nv.gov
Medicaid Phone: 800.992.0900
COLORADO – Medicaid
Medicaid Website: http://www.colorado.gov/hcpf
Medicaid Customer Contact Center: 800.221.3943
FLORIDA – Medicaid
Website: https://www.flmedicaidtplrecovery.com
Phone: 877.357.3268
MAINE – Medicaid
Website: http://www.maine.gov/dhhs/ofi/publicassistance/index.html
Phone: 800.977.6740
TTY 800.977.6741
GEORGIA – Medicaid
Website: http://dch.georgia.gov
- Click on Programs, then Medicaid, then Health Insurance
Premium Payment (HIPP)
Phone: 404.656.4507
MASSACHUSETTS – Medicaid and CHIP
Website: http://www.mass.gov/MassHealth
Phone: 800.462.1120
INDIANA – Medicaid
Website: http://www.in.gov/fssa
Phone: 800.889.9949
IOWA – Medicaid
Website: www.dhs.state.ia.us/hipp
Phone: 888.346.9562
MINNESOTA – Medicaid
Website: http://www.dhs.state.mn.us/id_006254
- Click on Health Care, then Medical Assistance
Phone: 800.657.3739
MISSOURI – Medicaid
Website: http://www.dss.mo.gov/mhd/participants/pages/
hipp.htm
Phone: 573.751.2005
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NEW HAMPSHIRE – Medicaid
Website:
http://www.dhhs.nh.gov/oii/documents/hippapp.pdf
Phone: 603.271.5218
NEW JERSEY – Medicaid and CHIP
Medicaid Website: http://www.state.nj.us/humanservices/
dmahs/clients/medicaid/
Medicaid Phone: 609.631.2392
CHIP Website: http://www.njfamilycare.org/index.html
CHIP Phone: 800.701.0710
NEW YORK – Medicaid
Website: http://www.nyhealth.gov/health_care/medicaid/
Phone: 800.541.2831
NORTH CAROLINA – Medicaid
Website: http://www.medicaid.gov/state-resource-center/
medicaid-and-chip-program-portal/medicaid-and-chipprogram-portal.html
Phone: 919.855.4100
2016 Idaho Benefits Guide
Benefit Changes
Contact Information
Benefits in Review
Eligibility
Enrolling
Help and Support
Important Notices
Important Notices
Medicaid and/or CHIP Eligibility by State
NORTH DAKOTA – Medicaid
Website: http://www.nd.gov/dhs/services/medicalserv/
medicaid
Phone: 800.755.2604
TEXAS – Medicaid
Website: http://gethipptexas.com
Phone: 800.440.0493
OKLAHOMA – Medicaid and CHIP
Website: http://www.insureoklahoma.org
Phone: 888.365.3742
UTAH – Medicaid and CHIP
Medicaid Website: http://health.utah.gov/medicaid
CHIP Website: http://health.utah.gov/chip
Phone: 866.435.7414
OREGON – Medicaid
Website: http://www.oregonhealthykids.gov,
http://www.hijossaludablesoregon.gov
Phone: 800.699.9075
VERMONT– Medicaid
Website: http://www.greenmountaincare.org
Phone: 800.250.8427
PENNSYLVANIA – Medicaid
Website: http://www.medicaid.gov/Medicaid-CHIPProgram-Information/By-State/pennsylvania.html
Phone: 800.692.7462
RHODE ISLAND – Medicaid
Website: http://www.eohhs.ri.gov
Phone: 401.462.5300
SOUTH CAROLINA – Medicaid
Website: http://www.scdhhs.gov
Phone: 888.549.0820
SOUTH DAKOTA - Medicaid
Website: http://dss.sd.gov/medicaid
Phone: 888.828.0059
RHODE ISLAND – Medicaid
Website: http://www.eohhs.ri.gov
Phone: 401.462.5300
VIRGINIA – Medicaid and CHIP
Medicaid Website: http://www.coverva.org/programs_
premium_assistance.cfm
Medicaid Phone: 800.432.5924
CHIP Website: http://www.coverva.org/programs_
premium_assistance.cfm
CHIP Phone: 855.242.8282
WASHINGTON – Medicaid
Website: http://www.hca.wa.gov/medicaid/
premiumpymt/pages/index.aspx
Phone: 800.562.3022 ext. 15473
30
WEST VIRGINIA – Medicaid
Website: http://www.dhhr.wv.gov/bms/Medicaid%20
Expansion/Pages/default.aspx
Phone: 877.598.5820, HMS Third Party Liability
WISCONSIN – Medicaid and CHIP
Website:
https://www.dhs.wisconsin.gov/badgercareplus/p-10095.
htm
Phone: 800.362.3002
WYOMING – Medicaid
Website: https://wyequalitycare.acs-inc.com
Phone: 307.777.7531
To see if any other states have added a premium
assistance program since July 31, 2015, or for more
information on special enrollment rights, contact either:
U.S. Department of Labor
Employee Benefits Security Administration
www.dol.gov/ebsa
866-444-EBSA (3272)
U.S. Department of Health and Human Services Centers
for Medicare & Medicaid Services
www.cms.hhs.gov
877.267.2323, Menu Option 4, Ext. 61565
2016 Idaho Benefits Guide
Benefit Changes
Contact Information
Benefits in Review
Eligibility
Enrolling
Help and Support
Important Notices
Important Notices
HIPAA Privacy
Micron Technology, Inc. is committed to protecting
your medical information in accordance with the Health
Insurance Portability and Accountability Act of 1996
(HIPAA). Our Notice of Privacy Practices is available on
micronhealth.com. You also may obtain a copy by
calling the HR Hotline 208.368.4748, 800.336.8918,
or e-mailing to [email protected].
Medicare
Important Notice from Micron About Your
Prescription Drug Coverage and Medicare
Please read this notice carefully and keep it where
you can find it. This notice has information about
prescription drug coverage under Micron’s medical
plans and about your options under Medicare’s
prescription drug coverage. This information
can help you decide whether or not you want
to join a Medicare drug plan. Information about
where you can get help to make decisions about
your prescription drug coverage is at the end of
this notice.
1. Medicare prescription drug coverage became available
in 2006 to everyone with Medicare. You can get this
coverage if you join a Medicare Prescription Drug
Plan or join a Medicare Advantage Plan (like an HMO
or PPO) that offers prescription drug coverage. All
Medicare drug plans provide at least a standard level
of coverage set by Medicare. Some plans may also
offer more coverage for a higher monthly premium.
2. Micron has determined (in the manner required by
the federal government) that the prescription drug
coverage offered through Micron’s Consumer Directed
High Deductible Plan, St. Luke’s Coordinated Care
Plan, Saint Alphonsus Coordinated Care Plan, PPO
Plan, and Select U.S. PPO plans administered by Blue
Cross of Idaho, and the fully insured Kaiser plans are,
on average for all plan participants, expected to pay
out as much as standard Medicare prescription drug
coverage pays and is therefore considered Creditable
Coverage. Because prescription drug coverage under
Micron’s medical plans is creditable coverage, you can
choose to enroll in Micron’s coverage and not pay a
higher premium (a penalty) if you later decide to join a
Medicare drug plan.
When Can You Join a Medicare Drug Plan?
You can join a Medicare drug plan when you first become
eligible for Medicare and each year from October 15
to December 7. This may mean that you may have to
wait to join a Medicare drug plan and that you may pay
a higher premium (a penalty) if you join later. You may
pay that higher premium (a penalty) as long as you have
Medicare prescription drug coverage. However, if you lose
creditable prescription drug coverage, through no fault of
your own, you will be eligible for a two (2) month Special
Enrollment Period (SEP) because you lost creditable
coverage to join a Medicare drug plan.
31
You should compare Micron’s coverage, including which
drugs are covered at what cost, with the coverage and
costs of the plans offering Medicare prescription drug
coverage in your area. For a detailed description of
prescription drug coverage available through Micron’s
plans, see the Benefits Handbook or your plan’s Summary
Plan Description or Certificate of Coverage. Micron’s
medical plans pay for other health expenses, in addition
to prescription drugs, and you will still be eligible to
receive all of your current health and prescription drug
benefits if you decide to join a Medicare prescription
drug plan as well as enroll in Micron medical coverage.
What Happens to Your Current Coverage If You
Decide to Join a Medicare Drug Plan?
If you decide to join a Medicare drug plan instead of
Micron’s medical coverage, which includes prescription
drug coverage, be aware that you and your dependents
may not be eligible for Micron’s coverage unless
you experience a qualified event that allows you to
enroll midyear, or you wait until Micron’s next annual
enrollment period.
When Will You Pay a Higher Premium (Penalty) to
Join a Medicare Drug Plan?
You should also know that if you choose to enroll in
one of Micron’s medical plans, and then drop or lose
your medical and prescription drug coverage with one
of Micron’s medical plans, and don’t join a Medicare
drug plan within 63 continuous days after your current
2016 Idaho Benefits Guide
Benefit Changes
Contact Information
Benefits in Review
Eligibility
Enrolling
Help and Support
Important Notices
Important Notices
coverage ends, you may pay a higher premium (a
penalty) to join a Medicare drug plan later.
If you go 63 continuous days or longer without
creditable prescription drug coverage, your monthly
premium may go up by at least 1% of the Medicare
base beneficiary premium per month for every month
that you did not have that coverage. For example, if you
go nineteen months without creditable coverage, your
premium may consistently be at least 19% higher than
the Medicare base beneficiary premium. You may have
to pay this higher premium (a penalty) as long as you
have Medicare prescription drug coverage. In addition,
you may have to wait until the following October to join.
For More Information About This Notice or Micron’s
Current Prescription Drug Coverage…
• Contact Micron’s HR Customer Service Center at
208.368.4748 or 800.336.8918.
• Call the customer service number listed for Micron’s
medical plans, found on micronhealth.com or in the
Benefits Handbook.
You” handbook. If you or your spouse is age 65 or older,
you will get a copy of the handbook in the mail every
year from Medicare. You can also get more information
about Medicare prescription drug plans from these
places:
• Visit www.medicare.gov
• Call your state Health Insurance Assistance Program
(see your copy of the “Medicare & You” handbook
for their telephone number) for personalized help
• Call 800-MEDICARE 800.633.4227).
TTY users should call 877.486.2048.
You may also be contacted directly by various
Medicare prescription drug plans. If you have limited
income and resources, extra help paying for Medicare
prescription drug coverage is available. For information
about this extra help, visit Social Security at
www.socialsecurity.gov, or call them at 800.772.1213
(TTY 800.325.0778).
NOTE: You may receive this notice each year included
with Micron’s annual enrollment information and if
Micron’s coverage becomes non-creditable. You may also
request another copy of this notice if you need it.
Remember
Keep this Creditable Coverage notice.
If you decide to join one of the Medicare
drug plans, you may be required to
provide a copy of this notice when you
join to show whether or not you have
maintained creditable coverage and
whether or not you are required to pay a
higher premium (a penalty).
Date: October 12, 2015
Name of Entity/Sender: Micron Technology, Inc.
Contact: HR Customer Service Center MS 1-727
8000 S. Federal Way
P.O. Box 6
Boise, ID 83707-0006
Phone Number: 2
08.368.4748 / 800.336.8918
For More Information About Your Options Under
Medicare Prescription Drug Coverage…
More detailed information about Medicare plans that
offer prescription drug coverage is in the “Medicare &
32
2016 Idaho Benefits Guide