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HomeMy WebLinkAbout2024 Benefit Additional Documents • 1 f c OL r NN r� i I Ik IN y � Pharmacy Prescription coverage To search for in-network pharmacies and covered drugs, log into your member account on the Select Health app or at selecthealth.org. View covered medications prior to enrollment with Select Health • Your covered drug list(formulary)will likely be RxSelect 4 Tier. Confirm your covered drug list by calling Member Services at 800-538-5038. • Visit selecthealth.org/pharmacy/pharmacy-coverage Drug tiers • Your benefits are divided into Tiers. Drugs on Tier 1 are the least expensive.The higher the Tier,the more you will likely pay for the medication.Through your member account, you can see drug prices based on your benefits. continued on next page 2 ■ Pharmacy (continued) Network You have in-network access at over 55,000 pharmacies nationwide, including almost all national chains. Home Delivery Pharmacy • Get a 90-day supply of many medications delivered to your door in all 50 states through the Intermountain Home Delivery Pharmacy. • Sign up for home delivery at intermountainhealthcare.org/ services/pharmacy/home-delivery or call 855-779-3960. Intermountain Specialty Pharmacy If you or dependents take specialty medications, please use the Intermountain Specialty Pharmacy by calling 877-284-1114, as they 1 are your exclusive specialty drug pharmacy. ♦` Save money on prescriptions Rx Savings Solutions • If you enroll in our Rx Savings Solutions service, they will proactively identify savings opportunities and notify you via email and text message. You can also search for any medication to find the lowest- cost and alternatives to many medications covered by your health Questions? plan.You can then talk to your doctor about potential savings and work together to determine if a less expensive medication would Visit work for you. seIecthealth.org/pharmacy • Visit selecthealth.org/rxsavings or call 1-800-268-4476 or call Member Services at 800-538-5038. Coupon services • You don't have to use your insurance benefits to pay for medications. _ Sometimes it might be less expensive to use coupon services such Sp L0 as GoodRx , Cost Plus Drugs", or Amazon's RXPass"to pay % r" for medications. h • Log into your member account to view embedded coupons from 0 _ these services that might save you money. 3 • to 0 ,matey c�iptl° 1es t°.�,$ as s° ,� p�es ° n�s �� ess a1t�Yi ost ° iV Co t 41 t� acc ct�e tie c tie f an coC �s vJ1 Sete v�1txv �e °0 1z relp av e tr �.a, . ae 0 ,Vvvey e� vJl pvov paVtn any -to evVt� . omp, s 1pen • ' . Yll co Start by logging into your Select Health member account at SelectHealth .org. Click on "Find Care" then "Drug lookup ". Here you will find home delivery pharmacies and cash pay options that Int you have access to ! Scan - OR •• - or rxss • • • • • Pharmacy Services Rx Savings Solutions to get started! 0 Amazon RxPass im --0A4- Have more questions? Turn flyer over for more information ! *Created by H U B Preventive Care ' Did you know? Your plan covers many preventive procedures, 1 services, and screenings at no out-of-pocket low cost to you. What does that mean for you? Preventive health care is anything from , immunizations to colonoscopies.These services give you a chance to detect and/or prevent a potential \ illness or disease at a stage when it is likely to be the most manageable.With 100%coverage',you can get the preventive care you need to live the t healthiest life possible! r What's covered? Visit selecthealth.org/weliness/preventive-care to view our list'of common preventive services. To verify if a service is considered preventive, call Questions? Member Services at 800-538-5038. 1 For services to be covered as preventive,your Visit selecthealth.org/wellness/preventive-care doctor must submit claims with preventive codes, or call Member Services at 800-538-5038. If a preventive service identifies a condition that needs further testing or treatment,regular copays,coinsurance,or deductibles may apply. � � 2 This list may not include all the preventive care available to you for no out-of-pocket cost.This information is subject to change at any time and 0 _ additional limitations may apply. A t 5 % Member Support If you can't find what you're looking for online, o , reach out to our Member Services teams. Member Services • Help you understand your insurance plan • Answer benefit questions 7 a.m.to 8 p.m. MST,weekdays 9 a.m.to 2 p.m. MST,Saturdays \� 800-538-5038 Member Advocates 1 `�A • Find the right doctor and facility for your needs _ • Schedule appointments for you 1 • Provide support to maximize your benefits I ` `. 7 a.m.to 8 p.m. MST,weekdays 9 a.m.to 2 p.m. MST,Saturdays ►'� 800-515-2220 Online Customer Services Log in to the app or the web version of your Select Health member account and chat with 4 us or request a call back at a time that's convenient for you. selecthealth.org 0 0 Wex 1 ITT h Digital Tools You're just a few steps away from having access to the digital tools you'll need for a seamless experience.We'll show you how easy it is. Start here. 1. Download the Select Health app • Activate your member account • View and download your digital ID cards • View your spending totals,claims,and plan details / • Find in-network doctors and facilities 111 • Get cost estimates of many healthcare services • Access Rx Savings Solutions and save money on medications • Talk to Member Services through our secure chat feature • Go paperless! 2. Download the Connect Care app • Get 24/7 virtual urgent care anywhere • Access high-quality care at a lower cost • See a provider with your child if they are 3+ months old j • Message your Connect Care provider through a secure communication feature Need help? Visit selecthealth.org/ resources digital-tools or call 800-538-5038. 0IA - 7 $ Ilk � �%c Intermountain Connect Care' Get started What's Connect Care? Download the Intermountain Connect Care app or visit Get primary care, mental health care, nutritional and lactation support, Connect Care and 24/7 urgent care from home with virtual doctor visits at no or low intermoconnecuntainhealthcare.org/ out-of-pocket cost to you.The typical wait time for urgent care is under 10 minutes, and you can save an average of$400 per visit compared with the emergency room*(ER). *For emergencies,call 911 or go to the ER. ti Commonly treated conditions: 0 _ • Stuffy and runny nose • Painful urination • Allergies • Lower back pain • Sore throat • Joint pain or strains • Eye infections • Minor skin problems • Cough ' Other virtual care options For virtual care outside of Connect Care,your doctor's office may use various apps or websites for virtual visits.Call Member Services for your plan-specific details. ,\ `IL a ' 8 Care Options ir Primary care A Primary Care Provider(PCP) sees patients for common medical problems, performs routine exams, and helps prevent or treat illness.Your PCP can help you find specialty care and may even offer virtual (video)visits! Specialty care When you need more than your PCP,our network of quality specialists and surgeons can help. Mental health care You have coverage through thousands of in-network _ 0 ✓ mental health providers.With your benefits,there is •�■� no reason to neglect any mental health issue. Urgent care What's open late and costs less than the emergency room (ER)? Our in-network urgent care facilities. Virtual care You're covered when you see in-network providers virtually,whether it's with your PCP or otherwise. Preventive care Your plan covers many procedures,services,and preventive screenings at no out-of-pocket cost to you. Not Sure Where to Start? Emergency care For emergencies,go to the nearest ER or hospital Try our free, 24/7 Nurse Line.Talk to a nurse about and you'll be covered whether you're in the U.S. any condition to get advice on how and where to or abroad. get care.Call 844-501-6600. Hospitals and local clinics B. .Op Our facilities span the state,offering exceptional ' care and services. J Z IsI 9 l 10 - '� ie Tips to Keep Healthcare Costs Low Get care in the right place. TIP 1 Save that trip to the emergency room fortrue emergencies and choose the most appropriate in-network option for your healthcare needs. If you're not sure where to go, visit selecthealth.org/find-care. Try virtual care. TIP 2 Video visits can often meet your healthcare needs as effectively as in-person care, but at a lower cost. Remember: Call Member Services at 800-538-5038 for your plan-specific details. Take advantage of our pharmacy resources. TIP 3 Use generic drugs, if possible.Talk to your doctor and pharmacist about options for using generic drugs -they can help you get effective medication at the best price. Get preventive care and stay healthy. TIP 4 Preventive services are covered 100% by most plans when you use in-network providers. Use preventive care to stay healthy and spend less on healthcare.Visit selecthealth.org/ wellness preventive-care to see what preventive services are available. Manage your chronic illness. TIP 5 The Care Management team can help coordinate your care and find the best way to meet your needs. Call 800-442-5305. 10 r _ 1 Need help? Finding Doctors and Facilities Call Member Advocates at Each health plan network includes a specific group of doctors, hospitals, 800-515-2220. and other clinicians(providers)who will provide you with the best care possible.To get the most from your benefits, be sure to see providers who are in your specific network. If you receive care from providers who aren't in your network,you may be responsible for excess charges. 0 Find the right doctor 1. Open the Select Health app or visit selecthealth.org/findadoctor FIN] ._ 2. Narrow your search and filter your results by specialty,location, languages spoken,and most importantly, network. Be sure to choose the appropriate network that is listed on your member ID card! 3. Make educated choices based on patient and quality > ratings that are available for most providers 0' R Find the right facility \ 1. Open the Select Health app or visit selecthealth.org/facilities 2. Always search by the plan that's listed on your member ID card 00" 3. Filter your results by facility type or location Select Health 11 The Select Health Network About this network • Includes all St. Luke's and BrightPath hospitals,facilities,and physicians within the network service area, in addition to thousands of contracted doctors • In-network benefits in all 50 states through the United Healthcare Options PPO network • Enrolled dependents who live outside of your service area can receive in-network benefits for covered services no matter where they live in the U.S.To qualify for this coverage,submit a Dependent Address Change form, which can be found at selecthealth.org/forms. • If you're wondering whether your current doctor is part of this network, use the Select Health app or visit selecthealth.org/findadoctor. Remember to filter your results by the Select Health/St. Luke's Health Partners/BrightPath network. In-network coverage by state STATE NETWORK Idaho Select Health Network,which includes St. Luke's Health Partners and BrightPath Utah Select Health Med (Utah only) Nevada Select Health Med, Beech Street Network(outside Clark and Nye Counties) All Other States United Healthcare Options PPO =4s" 4 Alk Questions? ` Call Member Services at 800-538-5038. 0. VF ' �- ` 0�P - 12 r United Healthcare Options PPO Network About this network • Includes 83%of all hospitals and two of every three healthcare providers in the U.S. • Remember:While this network of doctors and facilities is contracted through United Healthcare,your health insurance coverage is through Select Health. Finding doctors outside of Idaho, Utah, and Nevada 1. Use the Select Health app or visit selecthealth.org/findadoctor to search for in-network providers. 2. Filter your results by the UnitedHealthcare Options PPO network and you'll be guided to their provider search tool. 3. Once you reach the United Healthcare provider search tool,update your location and you can find in-network doctors from there.You can also check to see if your current doctor is participating in the U n ited Healthcare Options PPO network. Questions? Call Member Services at 800-538-5038 with any questions about your coverage �'- or benefits. r� If your United Healthcare provider has questions regarding your care,they will need to contact United Healthcare provider services at 888-830-0179. 13 Idaho Hospitals and Urgent Care Facilities - The Select Health Network You have in-network benefits with hospitals, doctors, and healthcare professionals throughout Idaho.You can use St. Luke's nationally recognized hospitals,facilities, and physicians through the St. Luke's Health Partners network* In addition,you have access to providers on the BrightPath network and MultiPlan providers are available in certain counties in Northern Idaho.Altogether,you can see more than 6,000 providers and healthcare professionals, and 45 hospitals,surgery centers,and skilled Kootenai Kootenai nursing facilities statewide.We've listed some of the more prominent Medical-4110(g)—Urgent facilities on the map below. Center Care *Merative Top 15 Health Systems in the U.S.,2022 • Hospitals and Medical Centers Canyon County O Urgent Care Facilities Scan for facilities •St.Luke's Nampa and providers Emergency Department Ada County near you or visit •West Valley Medical selecthealth.org/facilities Center-Caldwell • St.Luke's Cancer Institute • St.Luke's Regional Medical (R)St.Luke's Clinic-Nampa 0--Syringa Center-Boise �. QQ Salzer Quick Care General Hospital _ • St.Luke's Regional Medical Q Primary Health Medical Center-Meridian Group Urgent Care Clinics • St.Luke's Rehab Hospital F Steele Memorial Hospital (g) St.Luke's Eagle Urgent Care f ` Q Primary Health Medical Group Urgent Care Clinics St.Luke's McCall QQ Saltzer Health Ten Mile Memorial Hospital Urgent Care Weiser •I Memorial—� Hospital jD Valor alth St.Luke's Madison Memorial Clinic—Family + Hospital Medicine: Teton Valley Fruitland ♦St.Luke's Wood River �—Hospital Medical Center Idaho Urgent Care St.Luke's Elmore Medical Center Bingham Eastern Idaho Regional Memorial Medical Center •(/ �North Canyon Medical Center Hospital \ •&-First Choice Urgent Care Portneuf Medical Center St.Luke's Jerome�' Power County Hospital I}♦ portneuf Convenient Care Caribou Riverview Urgent Care-@ 0—Minidoka Memorial Hospital Memorial Hospital •--Cassia Regional Medical Center St.Luke's Magic Valley Q 0-Urgent Care of Twin Falls Medical Center St.Luke's Bear Lake Quick Care Oneida County Hospitals Memorial Franklin County Medical Centers Hospital 14 Out of Area Care Options Traveling in the United States Outside of your service area Use the United Healthcare(UHC)Options PPO network whenever possible. Urgent care- before visiting a UHC Options PPO provider,sign into the Connect Care'app and see if virtual care could save you the time and money of an in-person visit. Emergency care - in-network benefits apply when you receive services at any emergency room location. Out-of-area dependents 0• 0 Need help? Enrolled dependents who live outside of your service area(maybe they're going to college or living with kb another family member) can receive in-network Call Member Advocates at benefits for covered services, no matter where they 0 � 800-515-2220. live in the U.S. To qualify for this coverage,submit a Dependent Address Change form which can be found at selecthealth.org/forms. Traveling Outside the United States If you are traveling outside of the country and need 1 urgent or emergency care,visit the nearest doctor ` or hospital. ! You may need to pay for the treatment at the time ` of service. If you do, keep your receipt and submit it AD along with a Claim Reimbursement Form,which can be found on selecthealth.org/forms. �t 15 Wellness Rewards C What are Wellness Rewards? ; You can earn $240 per year(up to$580 per family, per year)for focusing on your wellness.Choose from one of our Wellness Rewards programs* and receive reward points for each month you participate. Gym Membership Rewards However you choose to use your gym membership,whether its weight lifting,yoga,spin class or anything in between,you can receive �,• • rewards that are equal in dollar value to the points you earn through this program. To redeem your reward points, log in to your Select Health member account.Track your activity and view our list of gym recommendations and other discounts. Nr Physical Activity Rewards Sign up for a Virgin Pulse account and complete 20 days or more of 7,000 steps,or the equivalent in non-stepping exercise during each calendar month,to earn points towards the 7,000 Steps for 20 Days - r Reward Trophy.You can use a smartphone or fitness tracker to record your steps with Virgin Pulse. Note: If you've just created a SelectHealth account,you may need to wait 24 hours for Virgin Pulse to receive your information. To redeem your reward points, log in to your Select Health member account.You can receive rewards that are equal in dollar value to the points you earn through this program. * Program Eligibility.Eligible members must be age 18 or older.Eligible members must accept the Program Terms and Conditions.To receive your reward Learn how to points for these program options,you must complete all requirements by the December deadline.For Detailed Program Terms and Conditions and more information on how these options work,visit selecthealth.orglgetfit or call us at get started 800-538-5038.Please note that rewards received may be considered income and subject to tax. selecthealth.org/wellness/ wellness-rewards 0 0 t �x continued on next page 0 16 r. Tobacco Cessation and Nicotine Replacement Therapy Programs Quit for Life With the help of the Quit For Life"tobacco cessation program,you'll have the tools and resources you need to quit smoking.This program is available to you at no extra cost. Get coaching support • Personalized tips to plan your path to quitting • Recommended daily goals, articles, and videos • Manage triggers with coach-led group sessions,trackers, ` and text support T' ... Get started Visit myquitforlife.com/selecthealthor call 1-866-QUIT-4-LIFE(TTY 711) Nicotine replacement therapy(NRT) Most Select Health plans include 100%coverage for Nicotine Replacement Therapy(NRT),which includes prescription drugs or patches that can help curb nicotine cravings. If your plan provides - coverage,you can have two 90-day courses of nicotine replacement � � y medication each year. For more information about prescribed rye medication that may increase your chances of quitting,talk to l� f your doctor. Questions? Call Member Services at 800-538-5038. 0 0 17 tellicaimaging Imaging An Intermountain Health Company PFIMAGIO _ ' D High quality & affordable imaging to serve the community Quality M RI CT G • Brand new CT/MRI machines $550 Flat Rate $350 Flat Rate • Fellowship trained radiologists Payment due at time of service. Care • Results within 24 hours • Call report service available BOISE LOCATION $ Affordability 8505 W Overland Ro- • •Transparent, flat-rate prices Boise, D 83709 Access Open M' ' ' ' • No pre-authorization for accepted insurances •Same day appointments* Phone: 208-417-5100 *Subject to schedule availability 208-417-5105 2 ' 'i� C.'� Scan to learn .. Scan to learn '� about CT and about accepted MRI scans insurances tellicaimaging.com •„ Behavioral Health Care Access Mental health is just as important as physical health,so we made sure that you have coverage for virtual visits with any mental health provider through any platform. Non-crisis resources myStrength app Find convenient,same-day virtual visits for psychiatric care,talk therapy,and more.Access / myStrength for free with registration code MYHEALTHPLUS. Behavioral Health Services Navigation Line Questions? Our Navigators will help you with a personalized experience for better mental health by getting you in touch with the right mental health professional and For additional behavioral health resources, getting you scheduled for a preliminary appointment. scan the QR code below or visit: intermountainhealthcare.org/behavioralhealth. Crisis resources If you have an immediate crisis,call 9-1-1 or the ti h Suicide&Crisis Lifeline at 9-8-8. A R 1 19 Member Discounts ChooseHealthyTm discounts Login to your member account and click on ChooseHealthy J 1 Discounts to start saving.You'll find specialty provider discounts, deep product discounts, and free health resources.ChooseHealthy has great deals on hearing aids, home gym or fitness equipment, wearable tech, sunglasses,fitness fashion, healthy food service delivery,and even wireless earbuds. Select Health discounts When in Idaho, Utah,or Nevada, our members may have additional discounts. Get a little motivation to stay healthy with local member discounts. =� You'll find reduced prices for things like Lasik surgery,gym memberships, hearing aids, cosmetic dermatology,eyewear,and more. s ... Questions? Visit selecthealth.org/ discounts or call Member Services at 1 < 800-538-5038. MI ❑� ! Sa r �� Care Management Services What is care management? Care Management is your support system for all things healthcare! Select Health Care Managers are nurses and Social Workers who are , trained to help you meet your health goals. If you qualify,a Care Manager can help you: • Create a care plan that supports your physical and mental well-being • Coordinate care for chronic illness with your doctor or specialist • Coordinate care with your Primary Care Provider to ensure you can access the treatment and medications you need • Understand your health insurance benefits ` • Connect to community and online resources, such as finding a ride to an appointment s� 07 r Get started Visit selecthealth.org/weliness/ r care-management to submit a referral form or call our Care Management team at V 800-442-5305. d � 1 L �' 21 n I+ Chiropractic Care Questions? You have chiropractic coverage! p Tip visit selecthea�th.org� t findadoctor to search for Chiropractic care may help back and neck pain, in-network chiropractors or reduce stress, improve muscle strength, range call Member Advocates at of motion,and flexibility. It can even improve p 800-515-2220. your mood! If you're ready for body and brain improvement,schedule a chiropractic appointment. Use your Select Health member ID card to help you understand which network to use in each state. Remember that annual visit limits may apply. 22 Health Savings 1 Account ' An Health Savings Account (HSA) lets you put money away for future healthcare costs while saving on taxes. How? i HSAs are never taxed at a federal income tax level when used for qualified medical expenses. Contributions can come straight out of your paycheck,and your HSA can 1 grow tax-free too. _ [I✓ No'use-it-or-lose-it,' keep your HSA forever [I✓ Create a healthcare emergency safety net y _ — E./ Invest'your HSA tax-free, like a 401(k) Annual tax saving potential2 Common qualified medical expenses: $1 • Pain relievers '660 $830 • Doctor visits Family plan Individual plan • Dental cleaning • Sleep aids 2024 IRS Contribution Limits • Eyeglasses/contacts $8,300 $4,150 • Cold/cough medicine Family plan Individual plan • Chiropractic care Members 55+can contribute an extra$1,000 • Insulin testing supplies ❑■ ,w; ■ See how much you can save HealthEquity.com/Learn/HSA 'Investments made available to HSA members are subject to risk,including the possible loss of the principal invested,and are not FDIC or NCUA insured,or guaranteed by HealthEquity, Inc. 1 2Estimated savings are based on an assumed combined federal and state income tax rate of 20%.Actual savings will depend on your taxable income and tax status. I HealthEquity does not provide legal,tax or financial advice.Always consult a professional when making life- changing decisions. Copyright©2023 HealthEquity,Inc.All rights reserved.OE-HSA-1-pager-May 2023 23 SAVE ON PREMIUMS When it comes to choosing a healthcare plan,you really have © See the savings one decision to make: High premium or low premium? for yourself HSA-qualified health plans(sometimes called high-deductible or consumer choice Try our plan comparison tool health plans)offer the lowest premiums, enabling you to unlock immediate savings. to see how much an HSA-qualified The difference could be thousands of dollars every year. health plan will save you this year. Visit CompareMyHSA.com KEEP YOUR PREMIUM SAVINGS Healthcare premium payments disappear forever. But you ® HSA dollars are can use your HealthEquity HSA to keep that money instead. yours to keep Choose a low premium health plan.Then just put the extra money you would have Unlike flexible spending accounts paid toward traditional premiums into your HSA.Voila! Long-term health savings. (FSA),you never lose your HSA Want to go bigger?Don't forget IRS annual contribution limits. dollars. Money in your account rolls over year after year,even if you change health plans or employers. Individual Plan Family Plan 2024 $4,150 $8,300 2025 $4,300 $8,550 Spend Members 55+can contribute an extra$1,000 smarter HSAs cover thousands of qualified You have until April 15 to max your contributions for the previous tax year. medical expenses,including doctor visits and over-the-counter medications. See a full list of eligible expenses. MAXIMIZE TAX SAVINGS Visit HealthEquity.com/QME Every dollar you contribute pre-tax to your HSA reduces your annual taxable income. $ HSA triple-tax Plus,you automatically earn tax-free interest on your money.Anytime healthcare advantage' expenses come up just pay from your HSA and you're good to go.You never pay taxes or penalties when you use HSA dollars for qualified medical expenses. O Make pre-tax contributions © Grow tax-free earnings Copyright©2020 HealthEquity,Inc.All rights reserved. © Enjoy tax-free distribution Y� r / l\ HealthEquity- MA r--, t` t / i - • w • Connecting health and wealth 0 y La Get support 24/7 Say goodbye to hassle Stay informed Call us day or night.Our service Log in and manage everything via our Check out our vast library of webinars, team measures success by simple mobile app."Want to submit tutorials,videos,calculators,and problems solved.We'll do a claim?Easy.Just snap a photo and more.You'll find tips and tricks to make whatever it takes. you're on your way. the most of your HSA. Questions?We're here for you 24/7 866.735.8195 1 HealthEquity.com/Learn "Accounts must be activated via the HealthEquity website in order to use the mobile app. HealthEquity does not provide legal,tax or financial advice.Copyright©2024 HealthEquity,Inc.All rights reserved. HSA InvestmentGuide Brochure March 2024 25 HealthEquity® Qyv, available on-the-go Fk-aunEgL" The HealthEquity mobile app' provides easy,on-the-go * access to all of your health accounts.The free app provides 1 o comprehensive tools to help you manage transactions and maximize your health savings. HSA Cash Balance $5.507.83 Investments cy DCRA CONVENIENT, 2016 S 1.100.00 POWERFUL LPHCRA TOOLS. a 2016 a E N On-the-go access You can access all account types wherever you go. Photo documentation Simply take a photo with your device to initiate claims and payments. Send payments and reimbursements You can send payments to providers or reimburse yourself for out-of-pocket expenses. Manage debit card transactions Link your debit card transactions to claims and documentation. View claims status For help with the View the status of claims as well as link payments and documentation to claims. mobile app, contact us at: z 866.346.5800 Make claims Create new reimbursement claims for FSA and HRA transactions. a available every hour of every day Accounts must be activated via the HealthEquity website in order to use the mobile app. s N O U 26 HealthEquity- . . . . . . . . . . . . . EASY-TO -USE . . . . . . . . . . . . . FiealthEquity ■ i ieanhEgwry q tR t� B A O f'1 me 9 CyM15� [r1YF..15. IKfll'rSr00.5� wrwun. u.r�ncprx�. - _ BFeWNLMCA - ADDCLAIM Q SEARCH PAYORREIMRUR5E ADD DOCUMENT V1.fif0ulfG a[nx..sG u� nccoutx �amuico co.IhtttG hu >� ururuuaG 1H8��6 Ap,42016 7l20W15 'f3A60 ®® Q E CLAIMS SCREEN RECEIPTS AND PAYMENTS SCREEN DOCS SCREEN Download Ap Store a cmobile a pp FOR FREE Google Play" 0 N s All product and company names are trademarks'"'or registered®trademarks of their respective holders.Use of them does not imply any affiliation with or endorsement by them U 27 City Of Twin Falls #3135 Dental Benefits Rollover Max- PPO 50 $1,000 Categories Delta Dental PPO ■'• 50 Rollover Network Type PPO Premier Preventive&Diagnostic 100% 80% Basic 80% 70% Major** 50% 40% Deductible* $50/$150 $50/$150 Annual Maximum $1,000 $1,000 based on a benefit year Maximum Rollover $ 1 1 1" Max Fact Annual Threshold Amount $600 $500 in total paid claims With Rollover Max, when you use less than the Maximum Rollover $300 $250 $600 threshold amount in total paid dental claims during the year, a portion of your benefit dollars will Child&Adult Orthodontia** N/A N/A automatically rollover for future years when you may need it most. It's a fantastic benefit you can put Lifetime Maximum N/A N/A to work in many ways to benefit your dental health. 'Deductible applies to Basic and Major Services only with a maximum of(3)three deductibles per family **Late-entrants will have a 24 -month waiting period to both Major and Orthodontic Services o C�) W $1 ,000 $1 ,300 $1 ,600 $1 ,900 $1 ,600* $1 ,900 Annual Maximum Maximum Maximum Maximum Maximum Maximum Rollover Rollover Rollover Rollover Rollover $400 paid $450 paid $300 paid $1,300*paid $250 paid $300 paid dental claims dental claims dental claims dental claims dental claims dental claims Getting the most from Rollover Max • When you receive a preventive service (such as a dental cleaning or dental exam) within the benefit year, you will be eligible for the rollover benefit. • You are eligible for the $3,050 or$2,500 maximum rollover benefit when you obtain ALL dental services from a PPO or Premier dentist. • If you receive care from a non-participating dentist at any time during the benefit year,you will not accrue the rollover benefit for that year. • You will lose your rollover balance if you dis-enroll or have a break in coverage. • The maximum rollover amount does not apply to any services with a lifetime maximum. (such as orthodontics or implants). DELTA DENTAL 28 ® I„I OW® HEALTH through d DELTA DENTAL ORAL WELLNESS® • Here's [ HOW] you can Z maximize your oral health t no additional cost. a A healthy mouth is a vital part of your overall health, and Delta Dental of Idaho cares about yours. That's why we're introducing Health through Oral Wellness° (or, HOW"' for short). HOW is a unique, patient-centered program that adds additional benefits to your dental plan, based on your individual oral health needs. By having your dentist perform a simple risk assessment, you may have access to additional preventive and health-sustaining benefits. HOW TO GET STARTED: First, check with your Second, simply request Third, if you qualify employer to make a free Health through based on your results, sure your company Oral Wellness (HOW) Delta Dental of Idaho is participating in risk assessment at the will release, or'unlock' the HOW program. beginning of your specific additional benefits dental visit. without an increase in premium. BELOW ARE JUST SOME OF THE BENEFITS THAT MAY BE COVERED BASED ON RISK SCORES Additional cleanings SK Additional sealants (child and adult) [ Fluoride (child and adult) Periodontal maintenance (gum disease treatment) Oral hygiene instruction, nutritional counseling, or tobacco cessation En Drugs or medicaments dispensed in counseling the office for home use If you have questions or would like to contact us for more information about the Health through Oral Wellness program, please contact us by phone at (208) 489-3580 or toll-free at (800) 356-7586 or by email at customerservice@deltadentalid.com. All enhanced benefits are subject to the patient meeting their plan's annual maximum and other limitations. A risk assessment must be performed at every routine re-care visit to occur at least once in the plan year. Enhanced benefits and standard policy requirements,including coinsurance percentages, copayments and plan maximums,may be subject to changes. 29 HOW® HEALTH through d DELTA C ORAL WELLNESS® Instructions for your dentist: At Delta Dental of Idaho, we understand that some patients need more dental care than others. That's why we offer our Health through Oral Wellness° (HOW( ) program. Many Delta Dental of Idaho patients who are at risk for certain conditions may be eligible for additional preventive benefits at no additional cost to them.* To assess their risk level, they need your help! They need you to complete an oral health risk assessment using a clinical risk evaluation tool powered by PreViser°. This tool is provided to you by Delta Dental of Idaho at no charge. The risk assessment is quick and easy and may provide your patients with additional preventive benefits such as extra cleanings, extra periodontal maintenance, fluoride, sealants and more. You can perform this risk assessment on your patients immediately. HOW TO GET STARTED. First, simply create your PreViser Second, begin your PreViser oral health account at go.deltadentalid.com/ risk assessment for your patient. If your PreViser and follow the registration patient is high-risk for a certain condition, steps. Delta Dental of Idaho will "unlock" additional preventive benefits immediately. BELOW ARE JUST SOME OF THE BENEFITS THAT MAY BE COVERED BASED ON RISK SCORES Additional cleanings G Additional sealants (child and adult) Fluoride (child and adult) G Periodontal maintenance (gum disease treatment) Oral hygiene instruction, nutritional counseling, or tobacco cessation Drugs or medicaments dispensed in counseling the office for home use If you have questions or would like to contact us for more information about the new Health through Oral Wellness program, please contact us by phone at (208) 489-3580 or toll-free at (800) 356-7586 or by email at customerservice@deltadentalid.com. *Additional preventive benefits are subject to the provisions of your patient's Delta Dental of Idaho policy.All enhanced benefits are subject to the patient meeting their plan's annual maximum and other limitations. A risk assessment must be performed at every routine re-care visit to occur at least once in the plan year. Enhanced benefits and standard policy requirements,including coinsurance percentages,copayments and plan maximums,may be subject to changes. 30 DELTA DENTAV Value-Added Orthodontic Discount Program Delta Dental of Idaho members no longer have to `brace' for the cost of orthodontic care. Delta Dental's value-added Orthodontic Discount Program provides Idaho members and their eligible dependents a discounted fee for adult and , child orthodontia if they obtain care from a Delta Dental of Idaho Discount Program orthodontist. , Number of Treatment Months Fee Schedule Based on Length of Treatmerd 1 to 17 months $4,050 18 to 24 months $4,450 25+ months $4,850 Who is Eligible? All Idaho members and their eligible dependents enrolled in a Delta Dental of Idaho dental plan that does not include an orthodontic benefit are eligible for Delta Dental's value-added Orthodontic Discount Program. How Does the Discount Program Work? Delta Dental members will experience substantial savings because Idaho orthodontists in the Orthodontic Discount Program agree to discounted fees. Members simply call and schedule a visit with a Delta Dental of Idaho Discount Program orthodontist and present their Delta Dental of Idaho ID card at the time of their appointment. The discount amount is based on the length of treatment. Members will know their total out-of-pocket costs prior to the beginning of treatment, so there will be no surprises! See the fee schedule above for details. Is There a Cost for this Orthodontic Program? No. Delta Dental of Idaho's Orthodontic Discount Program is a value-added service and is not insurance. Please see the back of this flyer for a list of orthodontists in the Discount Program. For more information, please call (208) 489-3580 or email: CustomerService@deltadentalid.com Delta Dental of Idaho 31 deltadentalid.com DELTA DENTAL' Provider List Value-Added Orthodontic Discount Program Delta Dental of Idaho members and their eligible dependents can receive a discounted fee on adult and child orthodontia treatment. Members simply call and schedule a visit with an orthodontist from the list below and present their Delta Dental of Idaho ID card at the time of their appointment. This is a value-added service and is not insurance. Providers periodically change,so please visit go.deltadentalid.com/orthodontic-discount for the latest provider list. Aberdeen Burley Anthony Mongillo, DMD John Slattery, DDS, MS Andrew W.Summers,DDS Shane Schvaneveldt, DDS Shane Schvaneveldt, DDS (208)524-1404 (208)433-1122 (208)356-3621 (208)734-4600 (208)734-4600 Bret E. Mooso, DDS, MS Travis Tingey, DDS, MS Ryan L Wood DDS Ammon Eagle (208)522-4552 (208)375-0631 (208)356-3300 C.Jared Randall, DDS, MS Scott Alexander, DMD Joshua Murphy, DMD Montpelier Rigby (208)523-3380 (208)331-5080 (208)522-4552 Jeffrey W.Johnson, DDS Matthew J Elison, DDS Arco Mary Hoffman, DMD Ryan L Wood, DDS, (208)529-3500 (208)497-3300 C.Jared Randall, DDS, MS (208)331-5080 (208)522-9600 Mountain Home Phillip David Lowder, DDS (208)527-3472 Jacob R.Jarvis, DMD, MS Jerome Steven Gilman, DMD (208)745-7407 Blackfoot (208)383-0100 Shane Schvaneveldt, DDS (208)587-3010 Joshua Murphy, DMD Michael Summers, DDS, MS Sam Smith, DMD, MS (208)734-4600 Laura Lineberry, DDS, MS (208)497-0826 (208)232-0464 (208)321-7006 Kuna (208)587-4422 Ryan L Wood, DDS Boise Emmett Stephen A.Morris,DDS,MS Nampa (208)497-3300 Scott Alexander, DMD Kelsey Peterson, DMD (208)898-0000 Christian Cusimano, DDS Rupert (208)331-5080 (208)365-6800 Lewiston (208)467-4362 Shane Schvaneveldt, DDS (208)377-0252 Michael Payne, DMD (208)734-4600 Brendon Swenson, DDS Rebekah Goforth, DDS Steven Gilman, DMD (208)297-3010 (208)746-0479 Salmon McCall Marcus (208)375-5012 John Slattery, DDS, MS Marcus 996-3010 Phillip David Lowder, DDS Gregory Guymon, DDS (208)433-1122 Lowry, DDS John Slattery, DDS, MS (208)461-5459 (208)524-1404 (208)898-0000 Fruitland (208)433-1122 Anthony Mongillo DMD Mary Hoffman, DMD Rebekah Goforth, DDS Stephen A.Morris,DDS,MS (208)524-1404 Shoshone Meridian (208)331-5080 (208)877-4444 Brandon Fowler, DDS (208)898-0000 (208)377-0252 Jason R Howell, DMD, MS (208)893-5440 Patrick Niland, DDS, MS Shane Schvaneveldt, DDS Jacob R.Jarvis, DMD, MS (208)452-4444 (208)467-5259 (208)734-4600 (208)383-0100 Michael Payne, DMD (208)887-1053(208)895-8555 Michael Payne, DMD Star Christopher Kelson, DMD (208)452-4444 (in three locations) (208)996-3010 Rebekah Goforth, DDS Kunkle,, DMD (208)938-6343 Garden City John Slattery, DDS, MS (208)996-3003 Corrine Kunkle,(208) Rebekah Goforth, DDS (208)433-1122 Stephen A.Morris,DDS,MS Rebekah Goforth, DDS (208)877-4444 Pocatello (208)898-0000 (208)Lineberry, Jason R Howell, DMD, MS (208)8.Gold,6 Bryndon Belnap, DDS Michael Payne, DMD Laura Lineberry, DDS, MS (208)452-4444 Michael L.Gold, DMD (208)232-0464 (208)658-9470 (208)376-2422 (208)996-3003 Michael Payne, DMD Tyler Leavitt, DDS Sugar City Marcus Lowry, DDS (208)388-1111 Greg Guymon, DDS (208)237-3330 Phillip David Lowder, DDS (208)377-0410 Idaho Falls (208)898-0000 Michael Summers,DDS,MS (208)745-7407 Jon Miler, DDS, MS Matthew J Elison DDS Jason R. Howell, DMD, MS (208)232-0464 Twin Falls (208)323-4800 (208)522-9600 (208)893-5151 Post Falls Shane Schvaneveldt, DDS Stephen A. Morris, DDS, MS Andrew Higham, DDS Jacob Jarvis, DMD, MS Eric Curtis, DDS, MS (208)734-4600 (208)898-0000 (208)529-2199 (208)585-9200 (208)207-8910 John Slattery, DDS, MS (208)524-0644 Marcus Lowry, DDS Russell Wilson, DDS (208)433-1122 Jordan Hillam, DDS (208)855-5045 (208)207-8910 Sam Smith, DMD, MS (208)524-1800 Stephen A.Morris,DDS,MS Rexburg (208)321-7006 Phillip David Lowder, DDS (208)898-000 Matthew J Elison, DDS Travis Tingey, DDS, MS (208)524-1404 Michael Payne, DMD (208)356-3300 (208)375-0631 (208)877-4536 If your orthodontist is not currently a participating provider in the Discount Orthodontic Program, please have them contact Delta Dental of Idaho at (208)489-3580 or customerservice@deltadentalid.com. Delta Dental of Idaho complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin,age,disability,or sex.ATENCION: si habla espanol,tiene a su disposicidn servicios gratuitos de asistencia linguistica. Llame al 1-(800)356-7586.A :VULNIM ia.rpz I-PR( 7L 7sc'I oo o MPRR.ah_sX Trff 1-(800) 356-7586. Updated 4/2024 32 Learn more at www.amplifonusa.com/ddid DELTA DENTAL 33 If you think you may have hearing loss, rest easy. Delta Dental of Idaho has teamed up with Amplifon to offer you quality hearing health care. $995/ear $1,495/ear $1,795/ear $2,195/ear $2,645/ear You and your provider will determine the best device to meet your hearing loss, lifestyle,and technology needs. Risk-free trial- 100%money-back guarantee if not completely satisfied,no return or restocking fees Follow-up care-for one year following purchase. Batteries-two-year supply of batteries(80 cells/ear/year) or one standard charger at no additional cost.Warranty-exclusions and limitations may apply.Contact Amplifon 866-921- 3974 for details. Virtual screening does not take the place of a diagnostic exam by a licensed professional. Not all virtual services are available on all products. Amplifon Hearing Health Care is solely responsible forthe administration of hearing health care services,and its own financial and contractual obligations. Delta Dental of Idaho and Amplifon are independent, unaffiliated companies. The Amplifon Hearing Health Care discount program is not approved for use with any third-party payor program, including government and private third-party payor programs. Hearing services are administered by Amplifon Hearing Health Care,Corp. 3309MEMR/Delta Dental of Idaho 34 VSPI members get an to spend on frames by 7". r Flex .� Stron, 1 � Calvin Klein Calvin Klein Jeans C O L E H FLEXON LACOSTE {r VSPT- exclusive member extras Promotion ends 6/30/2023 ©2023 Vision Service Plan.All rights reserved. Check your VSP°frame benefit VSP is a registered trademark of Vision Service Plan. t0 See If this Off files. All other brands or marks are the property of their respective owners. 112216 VCCM offer applies. visionBrowse with Benefits nor" Your . Vow, your benefit includes -. online Eyeconic° seamlessly connects your eyewear, asp eyec-onic your insurance coverage, and the VSP" doctor network. Plus, you get the convenience of vision care a vsp vision company online shopping along with the personal touch from a VSP doctor. Online shopping with benefits Online shoppers will love: • A huge selection of contact lenses and designer frames 24/7—and the Virtual Try-On tool. V V • Free shipping and returns.* Already used • Free frame adjustment or contact lens consultation. • Verification of your prescriptions and the 25-point your benefits inspection process to ensure your eyewear is just right. for the year? It's easy to use your VSP benefit As a VSP member, you still receive 20% 1. Create an account at vsp.com. Review your vision savings on glasses and benefit and access your eligibility and coverage sunglasses at Eyeconic. information, including how to apply your benefits at Eyeconic. 2. Find superior eye care near you. The decision is yours—choose a conveniently located VSP doctor or any out-of-network provider. Visit vsp.com or call 800.877.7195 to find the best provider for you. 3. Check out Eyeconic and browse the frame brands you love. You can connect to your VSP benefits, upload your prescription at checkout, and order your glasses following your WeIlVision Exam'. retailExperience eyeconic.comO', a convenient option. •Terms and conditions apply.Visit eyeconic.com/faqs for more details. ©2022 Vision Service Plan.All rights reserved. VSP,WeIlVision Exam,Eyeconic,and eyeconic.com are registered trademarks of Vision Service Plan. All other brands or marks are the property of their respective owners.104846 VCCM Classification:Public 36 TheStandard f Explore with confidence . Rely on Travel Assistance when you're away from home. V. oi 9 Y L- I W� I � � � yy •� zi _`w� f / Standard Insurance Compan Things can happen on the road. Passports get stolen or lost. Unforeseen events or circumstances derail travel plans. Medical problems surface at TravelContact the most inconvenient times. Travel Assistance can help you navigate these issues and more at any time of the day or night.' 800.872.1414 You and your spouse are covered with Travel Assistance — and so are United States, Canada, Puerto Rico, kids through age 25—with your group insurance from Standard Insurance U.S.Virgin Islands and Bermuda Company(The Standard).z Everywhere else +1.609.986.1234 Security That Travels with You Travel Assistance is available when you travel more than 100 miles from home or internationally for up to 180 days for business or pleasure. It offers aid +1.609.334.0807 before and during your trip, including: • . . 0o Visa, weather and currency exchange information, health inoculation recommendations, country-specific details and ® security and travel advisories Get the A pP Get the most out of Travel Assistance Credit card and passport replacement and missing baggage with the Assist America Mobile App. and emergency cash coordination Click one of the links below or scan the Help replacing prescription medication or lost corrective QR code to download the app. Enter your reference number and name to lenses and advancing funds for hospital admission set up your account. From there, you can use valuable travel resources "p Emergency evacuation to the nearest adequate medical including: facility and medically necessary repatriation to the - One-touch access employee's home, including repatriation of remains' to Assist America's Emergency Connection to medical care providers, interpreter services, Operations Center local attorneys and assistance in coordinating a bail bond -Worldwide travel alerts 010 Return travel companion if travel is disrupted due to - Mobile ID card ri Iemergency transportation services or care of minor children - Embassy locator ( 1 if left unattended due to prolonged hospitalization i _ Assistance with the return of your personal vehicle if your Reference Number: 0 o emergency transportation services leave it stranded 01-AA-STD-5201 J u ® Evacuation arrangements in the event of a natural disaster, political unrest and social instability Standard Insurance Company 11100 SW Sixth Avenue, Portland, OR 97204 standard.com 1 Travel Assistance is provided through an arrangement with Assist America, Inc.and is not affiliated with The Standard.Travel Assistance is subject to the terms and conditions, including exclusions and limitations of the Travel Assistance Program Description. Assist America, Inc. is solely responsible for providing and administering the included service.Travel Assistance is not an insurance product.This service is only available while insured under The Standard's group policy. 2 Spouses and children traveling on business for their employers are not eligible to access these services during those trips. 3 Must be arranged by Assist America,Inc. The Standard is a marketing name for StanCorp Financial Group, Inc. and subsidiaries. Insurance products are offered by Standard Insurance Company of Portland, Oregon in all states except New York. Product features and availability vary by state and are solely the responsibility of Standard Insurance Company. Travel Assistance EE SI 14684 (6/20) 38 » i -- National Conference on Public Employee Retirement Systems 01 •r LIMITED TIME ONLY Guaranteed Approval! Term Life and Accidental Death and Dismemberment coverage I , Help protect you and your loved ones from life's twists and turns when you enroll in affordable Term Life and Accidental Death and Dismemberment Insurance. Coverage is issued by The Prudential Insurance Company of America (Prudential). Key Plan Features: • Up to$325,000 in total coverage • Guaranteed approval • No medical questions or exams • $16 a month and will never increase The Group Decreasing Term Life Insurance plan pays a maximum amount in your younger years, and gradually decreases as you get older when your financial obligations may be less. • Spouse and dependent life coverage at no added cost •Accidental Death & Dismemberment coverage for you at no added cost • NEW Student Loan Protection Benefit! For members under age 46, Prudential will reimburse the amount of Student Loans you owe up to a maximum of$50,000, should you become totally disabled and have an outstanding student loan balance Sy Apply online at https://ncpers.memberbenefits.com/enroll.You may also contact Enrolling is Ea Member Benefits by phone at 800-525-8056 or email at nepers@memberbenefits.com 46) NB I MemberBenefits Gallagher J��koi, Prudential Insurance I Risk Management I Consulting A Booklet-Certificate with complete plan information,including limitations and exclusions,will be provided when you enroll.If there is a discrepancy between this communication and the Booklet-Certificate issued by The Prudential Insurance Company of America,the Booklet-Certificate will govern. Group Decreasing Term Life Insurance,Dependent Group Decreasing Term Life Insurance,and Accidental Death&Dismemberment Insurance coverages are issued by The Prudential Insurance Company of America,a Prudential Financial company,Newark,NJ.Contract Series:83500. This AD&D policy provides ACCIDENT insurance only.It does NOT provide basic hospital,basic medical,or major medical insurance as defined by the New York State Department of Financial Services. IMPORTANT NOTICE—THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS. ©2020 Prudential Financial,Inc.and its related entities.Prudential,the Prudential logo,and the Rock symbol are service marks of Prudential 1035793-00001-00 PRU8 FL G13 01 39 NB MemberBenefits Dear Employee-Member: We are pleased to offer you a Voluntary Group Life Plan from the National Conference on Public Employees Retirement Systems (NCPERS). PERSI members-employees can purchase term life coverage through the Voluntary Group Life Plan with NCPERS. The plan is available through PERSI participation in NCPERS. It is underwritten by The Prudential Insurance Company of America and administered by Member Benefits. The life insurance plan is designed to supplement your retirement benefits and other life insurance you may have through the PERSI or your employer. It gives you the opportunity to purchase affordable term life insurance with no medical evidence requirements. The monthly cost remains the same regardless of your age. Your insurance protection is greatest when your accrued retirement benefits are lowest. The enclosed brochure provides details of the plan. You should also consider the following features: 1. The NCPERS Plan is an affordable plan, regardless of your age. 2. The plan provides you with the greatest amount of insurance when you need it most. 3. Coverage for your eligible dependents is included in your premium amount. 4. You do not need to answer any health questions or take a medical exam if you enroll during an open enrollment period. Coverage is effective on the first day of the month following your payroll deduction. 5. Any active PERSI member who has been covered as an active participant for at least one month can elect to continue coverage into retirement if they are receiving a monthly pension check. Life insurance is an important part of financial planning. Please read the enclosed brochure carefully to see if you want to take advantage of the additional financial security that this coverage can help provide. You may enroll for this affordable coverage during the October 1st — November 30th open enrollment period. Simply complete the enrollment form that is part of the brochure and return it to your payroll office no later than November 30th. (do not send the enrollment card directly to Member Benefits). Please keep in mind if you do not enroll now, you will have to wait until the next open enrollment to purchase this affordable life insurance protection. We urge you to take advantage of the opportunity to enroll in this valuable coverage. Your insurance is automatically effective the first of the month following your first payroll deduction, with no medical evidence requirements. Coverage for your eligible dependents is automatically included in your monthly premium. Please feel free to call Member Benefits at 1-800-525-8056 if you have any questions about the coverage or enrollment process. 40 A group rate that's competitive NCPERS guarantees that every active member, regardless of age, pays$16 a month, and it will never increase. Dependent Group Members Decreasing Term Life Spouse/Member's Group Group Total Benefit Age at Time Decreasing for Accidental Domestic of Claim Term Life ■: ■ ■ eath Partner Less than 25 $225,000 $100,000 1 $325,000 $20,000 $4,000 25 to 29 $170,000 $100,000 $270,000 $20,000 $4,000 30 to 39 $100,000 $100,000 $200,000 $20,000 $4,000 40 to 44 $65,000 $100,000 $165,000 $18,000 $4,000 45 to 49 $40,000 $100,000 $140,000 $15,000 $4,000 50 to 54 $30,000 $100,000 $130,000 $10,000 $4,000 55 to 59 $18,000 $100,000 $118,000 $7,000 $4,000 60 to 64 $12,000 $100,000 $112,000 $5,000 $4,000 65 and over $7,500 $7,500 $15,000 $4,000 $4,000 Payment Examples: 1. If an insured member age 38 dies of natural causes,the beneficiary would receive $100,000. If death is due to a covered accident,$200,000 would be payable. 2. If the spouse or domestic partner of a 42-year-old member dies,the member would receive$18,000. 3. If a dependent child less than age 26 dies,the payment to the member would be$4,000. `Unmarried children up to age 26 are covered,including adopted children,stepchildren,and foster children who depend on you for support.Dependents in the military service are not eligible. Please note:insurance coverage for a child will not end at age 26 if the child is then mentally or physically incapable of earning a living and meets the definition of Qualified Dependent. 41 NEW! Student Loan Protection Benef it Included in the Group Decreasing Term Life Insurance Plan at no extra cost Paying off student loans can be challenging enough—but when an unexpected illness or disability prevents you from earning a paycheck, things can get out of control quickly unless you have a backup plan. Ask yourself this: when you are unable to work and faced with a student loan payment in addition to countless other bills, what will you do? The Student Loan Burden Can Result In**: — Delaying buying a home Preventing or delaying saving for a"rainy day" Limiting ability to spend on things like going out, eating out,buying clothes, going on vacation Grads without loans J Grads with loans: M Grads with loans: Paid off Haven't paid off 42 Special features NEW! Student Loan Protection Benefit If you are age 45 and under, approved for a waiver of premium claim due to a total disability, and have an outstanding student loan balance, Prudential will reimburse the amount of student loans that you owe up to a maximum of$50,000. We developed this benefit to help address the rising burden of student loans. Waiver of Premium If you are less than 60 years old and become totally disabled for at least nine months, your insurance may be continued without further premiums, as long as you furnish annual proof of your continued total disability satisfactory to Prudential. Option to Accelerate Payment of Death Benefits* If you are terminally ill with a life expectancy of six months or less, you may receive up to 50% of your insurance benefits— up to a maximum of$112,500 in advance. The death benefit, payable to your beneficiary, will be reduced by that amount. Conversion of Coverage If you cease to be a member, you can convert your insurance to a Prudential individual life policy within 31 days following termination of insurance. Dependent Spouse or Domestic Partner Group Decreasing Term Life coverage can also be converted if you cease to be a member or die. Retirement Coverage Coverage can be continued into retirement if you are insured as an active member and continue to receive a benefit upon retiring. Simply authorize the retirement system to deduct your contributions from your retirement check. Your premium will remain the same regardless of your age. "J&� 43 D�GLL WELCOME TO EXCLUSIVE SAVINGS Dell 27 Ultrathin _ Monitor- S2719DM XPS 13 2-in-1 Now that you're enrolled in the Dell Member Purchase Program, you can enjoy: COO ALWAYS-ON EARLY ACCESS TO DEDICATED EXCLUSIVE SAVINGS PREMIER EVENTS ACCOUNT TEAM OFFERS Members can shop discounts 24/7 at www.dell.com/mpp/TF-ID When contacting your Member Purchase Program Account Team, please use Member ID - US41681526 For sales quotes, contact Phillip_Chancellor@Dell.com For program information, contact Ashley_Messinger@dell.com Copyright©2019 Dell Inc.or its subsidiaries.All Rights Reserved.Dell Technologies,Dell,EMC,Dell EMC and other trademarks are trademarks of Dell Inc.or its subsidiaries.Other trademarks may be trademarks of their respective owners.294007 44 City of Twin Falls — ADDITIONAL PERKS City Exercise Room The City of Twin Falls exercise room is available 24 hours a day for City employees and their spouses. Dependents who are 16 years of age and older can use the exercise room when accompanied by either the City employee or his/her spouse. The IT department will activate City ID cards upon the completion of a Laserfiche request form. There is no cost for the City employee, but spouses must pay $5 + tax for their access cards. Dependents will not be given access cards as they will only be allowed in the exercise room with a parent. Shoshone Falls/Dierkes Lake Park Passes City employees can get passes to Shoshone Falls/Dierkes Lake at no cost from the Parks and Recreation office. If you choose to get a vehicle pass, it is good for one calendar year and is tied to a specific vehicle. You may also opt for a coupon book that does not expire and is not tied to any specific vehicle. Twin Falls City Swimming Pool City swimming pool passes are available for City employees at no cost. Family pool passes can be purchased through the City aquatics director. Twin Falls Library Cards City employees who live outside the City limits may obtain a library card at no cost. Twin Falls Municipal Golf Course City employees can purchase golf passes at % the regular rate. A reduced rate is also available for couple or family season passes. Wellness Reimbursement Program The City of Twin Falls Wellness Reimbursement Program is designed to offer incentives to those who choose to participate in a program that aims to help individuals make healthy lifestyle choices. City employees can earn up to $150 in reimbursements for activities such as fitness and health club memberships, golf passes, continuing education classes, park and camping fees, etc. Please stay tuned for updated program details! 45