Table of Contents
Benefits Overview ................................................................................................................................................ 3 Costs for Benefits ................................................................................................................................................. 4 How Do I Enroll ? .................................................................................................................................................. 8 Benefits Advocate Center ( BAC ) ......................................................................................................................... 9 Medical Insurance .............................................................................................................................................. 10 Dental Insurance ................................................................................................................................................. 16 Vision Insurance ................................................................................................................................................. 19 Health Savings Account ( HSA ).......................................................................................................................... 23 Flexible Spending Accounts ( FSAs ).................................................................................................................. 25 Health Reimbursement Arrangement ( HRA ) .................................................................................................... 28 Life and Accidental Death & Dismemberment ( AD & D ) Insurance .................................................................... 29 Voluntary Life and Voluntary AD & D Insurance ................................................................................................. 29 Long-Term Disability Insurance ......................................................................................................................... 31 Supplemental Life / Long Term Care Insurance .................................................................................................. 32 Voluntary Accident Insurance ............................................................................................................................ 34 Voluntary Critical Illness Insurance ................................................................................................................... 35 Voluntary Hospital Indemnity Insurance ............................................................................................................. 36 Voluntary Identity Theft Protection .................................................................................................................... 37 Employee Assistance Program ( EAP ) .............................................................................................................. 39 Retirement .......................................................................................................................................................... 40 Non-contributory Retirement ............................................................................................................................. 41 Contact Information ............................................................................................................................................ 42 Important Notices and Disclosures .................................................................................................................... 43
If you ( and / or your dependents ) have Medicare or will become eligible for Medicare in the next 12 months , a Federal law gives you more choices about your prescription drug coverage . Please see pages 49-50 where Notice of Creditable Coverage begin for more details .
This document is an outline of the coverage provided under your employer ’ s benefit plans based on information provided by your company . It does not include all the terms , coverage , exclusions , limitations , and conditions contained in the official Plan Document , applicable insurance policies and contracts ( collectively , the “ plan documents ”). The plan documents themselves must be read for those details . The intent of this document is to provide you with general information about your employer ’ s benefit plans . It does not necessarily address all the specific issues which may be applicable to you . It should not be construed as , nor is it intended to provide , legal advice . To the extent that any of the information contained in this document is inconsistent with the plan documents , the provisions set forth in the plan documents will govern in all cases . If you wish to review the plan documents or you have questions regarding specific issues or plan provisions , you should contact your Human Resources / Benefits Department .
Davis Behavioral Health
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