The 2015 open enrollment Highlights Brochure and Benefits Overview plan h t l hea ily O: T t s e W HO e b our fam h cate t o v e y d s a Choo you and lth a g e h for onal s r e our p y a f o Get most g e h ke t enefits a M g ASC b T Dea r Colleagues, For 2015, TASC will offer comprehensive, competitive benefits that help support all aspects of your and your family’s physical, emotional and financial well-being. You’ll be able to elect valuable medical, vision and dental insurance, as well as options that support your financial security through disability, life insurance and other voluntary benefits. 2015 Benefits Overview We will maintain our plan structure, keep plan costs stable and rely on our same medical benefits providers. Specifically, for 2015, TASC will: •Continue to offer two consumer-directed health plan (CDHP) options for medical and prescription drug benefits, including the higher-deductible CDHP-Basic and lower-deductible CDHP-Plus plans •Continue to offer — and contribute to — health savings accounts (HSAs) for those who elect one of our CDHP options •Continue our relationships with our current medical providers, including UnitedHealthcare (UHC) and Kaiser Permanente •Keep biweekly contributions the same — meaning no cost increase — for those who elect UnitedHealthcare CDHPs •Continue to provide access to comprehensive dental coverage through Delta Dental, and provide enhanced vision coverage through Vision Service Plan (VSP) •Support your financial security through our disability and life insurance programs, offered by the same providers that supported us in 2014 TASC also will continue to provide supportive options such as Health Advocate, Teladoc and our Employee Assistance Program, which you can learn more about in this brochure. Your next step: Learn more The key to getting the most out of your benefits is to use all the tools and resources available to you so you can make the right decisions for you and your family. You can start today with this brochure, and visit our TASC Benefits site at benefits.tasc.com. Your benefits are an important aspect of your employment at TASC. We encourage you to use the many resources available to learn about your benefits so that during open enrollment, you are informed and ready to elect the benefits that best support your health and well-being. John P. Hynes Jr. President and Chief Executive Officer 1 Open Enrollment 2015 Open Enrollment for 2015 Benefits is Oct. 27 – Nov. 12, 2014 Open enrollment is the time of year when you can elect or make changes to your health benefits, including medical, dental and vision benefits, as well as other benefits such as flexible spending accounts (FSAs), life insurance, AD&D, disability and legal benefits. Unless you experience a “qualified life event” — for example, if you get married or have a child — you won’t be able to make changes to your medical, dental, vision, legal or FSA elections until the next open enrollment period in the fall of 2015. You can make changes to other benefits any time of the year. Getting Started 1 Review this highlights brochure. This benefits highlights brochure serves as your “benefits field guide” to help you understand the benefits available to you. This guide is by no means an “end all” to your benefits information. In fact, you have a variety of resources available to you to help you make informed decisions about your benefits choices. We encourage you to read through this brochure and visit benefits.tasc.com, where you can find more detailed information, including full plan summaries, a downloadable pdf version of the 2015 enrollment guide and other information about TASC’s benefits offerings. Register with the upgraded Benefits Service Center website. We upgraded the site to be easier to use, especially during open enrollment. As a result of the upgrade, you may need to register as a new user the first time you try to log in. If you haven’t logged into the website since June 2014, you will need to click on “First Time User” on the login screen to set up a new user name and password. Even if you aren’t making changes, taking this action now will make it easier in the future to log in and review your benefits or make a change due to a life event. 2 Look back at the health care services you (and other covered family members) have used so far this year. They may be a good indicator of the services you’ll need in 2015. If you’re currently enrolled in a UHC medical plan, log on to myUHC.com to see your 2014 medical claims summary and log on to the Express Scripts website www.express-scripts.com to see your 2014 prescription drug claims summary. If you’re currently enrolled in a Kaiser medical plan, log on to www.kp.org to see your 2014 medical and prescription drug claims summaries. 3 Estimate your anticipated medical and prescription drug costs for 2015. The Plan Cost Estimator on www.welcometouhc.com/tascinc gives you an easy way to estimate your costs under TASC’s CDHP-Basic and CDHP-Plus options, based on the health care services you think you and your family will need for 2015. See which plan makes the most sense for you and your health care needs. You can use your 2014 claim summaries as a guide. 4 Use the HSA calculator tool. This tool, available at www.welcometouhc.com/tascinc, will show you how much you can save in your HSA for 2015, in addition to the tax-free contribution from TASC. HSA contribution elections don’t carry forward. If you want HSA contributions to come out of your first paycheck in 2015, make sure you make an election during open enrollment. 5 Determine if you want to participate in one of the Flexible Spending Accounts (FSAs) for 2015. Remember, current FSA elections don’t carry forward from one year to the next, so if you want to enroll in 2015, you will need to take action during the open enrollment period. 6 Contact the TASC Benefits Service Center at 1-877-248-8519 with questions. Help is available from 8 a.m. to 6 p.m. Eastern, Monday through Friday. Get Prepared 2 CDHP Medical coverage The major components of the UHC CDHPs will stay the same, and there will be no increases to your per-pay-period contributions. Additionally, TASC will introduce a new wellness program that will give UHC members the opportunity to earn an extra $250 HSA company contribution (see page 6 for more details). The major components of the Kaiser Permanente plans will also remain the same, although there will be increases to the Mid-Atlantic, California and Hawaii per-pay-period premiums. The Kaiser Colorado premiums will not increase. 1 2 TASC will continue to offer two core medical plans for 2015: CDHP-Basic through UnitedHealthcare and CDHP-Plus through UHC and Kaiser. Kaiser benefits are similar to the in-network benefits available through UHC CDHP‑Plus. Benefit differences are primarily related to prescription drug coverage. There are also no out-of-network benefits with the Kaiser plan. The TRICARE Supplement Plan and UHC Global Plan (for overseas employees) will also be offered, with continued coverage and benefit levels as those in place today. The table below shows you the key features of the CDHPs. CDHP —Basic and CDHP —Plus at a Glance CDHP-Basic Plan Feature: Preventive care Deductible • Individual • Family What the plan pays for most services Out-of-pocket maximum • Individual • Family (includes deductible) TASC HSA Contribution (annual, all coverage tiers, pro-rated for 2015 new hires) CDHP-Plus In-Network Out-of-Network In-Network Out-of-Network 100% no deductible Not covered 100% no deductible Not covered $3,000 $6,000 $3,000 $6,000 $1,500 $3,000 $1,500 $3,000 80% after deductible 60% after deductible 90% after deductible 70% after deductible $5,000 $10,000 $6,000 $12,000 $3,000 $6,000 $3,000 $6,000 $750 $500 “Dual Coverage” Restrictions with an HSA If you have coverage with TRICARE (any plan), Medicare (Part A or Part B) or other health coverage, you can enroll and also have coverage through a TASC CDHP in 2015. If you choose to carry “dual coverage,” the IRS may restrict your ability to make and receive contributions to an HSA. This may also be the case if you have dual coverage with a spouse’s medical plan that is not a qualified highdeductible health plan (HDHP) or a spouse’s Health Care Flexible Spending Account (FSA) in 2015. Get information on HSA eligibility at www.irs.gov (Publication 969). You can also learn more about dual coverage on our benefits website benefits.tasc.com/documents/TASC_PDF_DualCov.pdf. 3 CDHP Medical Coverage Prescription Drug Benefits 1 2 Prescription drug benefits are the same under UHC CDHP-Basic and the UHC CDHP-Plus. Prescription drug benefits are provided through Express Scripts. The table below shows prescription drug benefits under the UHC CDHPs. Prescription Drug Benefits Under Both 2015 UHC Medical Plans Preventive Generic Preferred brandname Non-preferred brand-name 100% (not subject to deductible) 100% after copay 80% 80% Maximum cost per prescription at the pharmacy for 30-day supply after deductible $0 $5 $50 $75 Maximum cost per prescription through mail order for 90-day supply after deductible $0 $10 $100 $150 For this type of drug: Benefit after you meet the deductible 3 Regardless of which CDHP you choose, most prescription drugs are subject to the deductible. The deductibles are combined for medical and prescription drug expenses. This means the prescription costs you pay are applied to the deductible with your medical costs, and once you reach the deductible, the plan pays prescription benefits. The exception under the UHC plans are “preventive” drugs. 4 Preventive prescription drugs are covered at 100 percent under both UHC plans and are not subject to the deductible. “Preventive” drugs are those intended to help prevent chronic conditions such as certain high blood pressure and diabetes medications. To view a complete list of the preventive prescription drugs, visit benefits.tasc.com. Kaiser CDHP-Plus Prescription Drug Benefits If you choose the CDHP-Plus through Kaiser, prescription drugs will be provided directly through Kaiser, and there are some differences in benefits from those shown in the table above. Preventive prescription drugs are subject to the deductible and copays with Kaiser, and the cost of prescriptions after you meet your deductible will differ from the chart above. Complete information on each of the Kaiser plans is available on benefits.tasc.com. Prescription Drug Benefits 4 Health Savings Accounts (HSAs) 1 You can make tax-free contributions into your HSA during 2015. IRS HSA contribution limits for 2015 When you enroll in TASC CDHP medical coverage If you enroll just yourself $3,350 and activate your HSA, you can make tax-free for medical coverage* contributions into your HSA. You can then use your HSA savings to pay for a variety of health If you enroll other family care expenses. TASC will also make a tax-free members for medical $6,650 contribution to your account ($750 for CDHP-Basic, coverage* $500 for CDHP-Plus) in January 2015. New members *Employees 55 or older can contribute an additional $1,000 to the figures above. will need to establish their HSA with either Optum Bank (UHC plans) or Healthcare Bank (Kaiser plans) before TASC can make its contribution. If you set up your account in 2014, no separate action is needed. Instructions on how to open your HSA are at benefits.tasc.com. 2 You must update your 2015 HSA elections during open enrollment to have deductions start with your first paycheck in 2015. You can change or stop your contribution at any time during 2015, but it defaults to zero at the start of each plan year. TASC’s contributions into your account will count towards the IRS limit. It is your responsibility to ensure you do not exceed the IRS limits. FLEXIBLE SPENDING ACCOUNTS (FSAs) 1 2 3 5 There are three types of FSAs available to employees for 2015. There is the standard Health Care FSA, the LimitedPurpose Health Care FSA and the Dependent Care FSA. The Standard Health Care FSA lets you save up to $2,500 in 2015. You can use a health care FSA to reimburse yourself taxfree for eligible, out-of-pocket medical, dental and vision expenses. FSAs are a “use it or lose it” type of account. Any money left in your FSA, regardless of its type, not used by Dec. 31 will be forfeited for that year. Claims must be incurred by Dec. 31, although you will have until March 31, 2016, to submit your claims for reimbursement. The Limited-Purpose Health Care FSA lets you save up to $2,500 in 2015, but has limitations on what you can use it for. You can use this account for eligible dental and vision expenses only. If you enroll in a TASC CDHP, you will have access to an HSA and will only be eligible for a Limited-Purpose Health Care FSA (to prevent issues with IRS rules on dual coverage). Keep in mind, many of the eligible medical, dental and vision expenses are also reimbursable under an HSA. 4 The Dependent Care FSA lets you save up to $5,000 in 2015. Dependent Care FSAs can reimburse for out-of-pocket dependent day care expenses for eligible children and adults. You can participate in this FSA regardless of your 2015 medical plan selection. New for 2015 — employees can save up to $5,000, regardless of salary level. 5 You will need to actively enroll in an FSA during open enrollment. Elections from last year do not roll over. HSAs and FSAs Coming in 2015 Wellness and Biometric Assessments Starting Spring 2015, if you elect to take an online health-assessment questionnaire and participate in a biometric screening, TASC will contribute an additional $250 to your HSA — above and beyond our regular HSA contribution. As with all health information, the assessment and biometric screening will be absolutely confidential, and will give you valuable insight into your risk and treatment options for preventable diseases such as diabetes, heart disease and hypertension. More information will be available in 2015. Reproductive Resource Services Starting Jan. 2015, TASC will offer enhanced infertility benefits under our UHC CDHPs. To receive coverage for infertility benefits, members will need to enroll in UHC’s Reproductive Resources program. Once enrolled, you will receive coaching and guidance and access to our enhanced benefit. The new lifetime maximum benefit is $35,000; $25,000 for medical and $10,000 for prescription. This is an increase from the current lifetime maximum of $15,000. Out-of-network services will no longer be covered. If you are in the middle of services, UHC will contact you to discuss transition of care. If you enroll in a TASC medical plan, you will have access to Health Advocate. Registered nurses and benefits experts can help you understand benefits provisions and resolve insurance claims, as well as answer questions about complex medical conditions and treatments. Just call 866-695-8622. If you enroll in a UHC CDHP plan, you will have access to Teladoc. Teladoc gives you 24/7/365 access to U.S. board-certified doctors through the convenience of phone or video consults for common conditions. Teladoc physicians can even send prescriptions to the pharmacy of your choice. Just call 1-800-Teladoc. Additional Benefits In addition to medical and prescription drug benefits, TASC employees can elect to enroll in or, in some cases, are automatically enrolled in additional benefits. For a complete list of additional benefits available to you, visit benefits.tasc.com/additional-benefits. Dental Coverage TASC’s dental plan is administered by Delta Dental. For more information on coverage and services, contact Delta Dental at 1-800-237-6060, visit www.deltadentalva.com or see the 2015 Benefits enrollment guide. Updated Benefits: Vision Coverage The TASC Vision Plan is provided through Vision Service Plan (VSP). There are some updated benefits under this plan for 2015, and they come with slight rate increases. The frame allowance has increased from $120 to $150, and the contact lens allowance has increased from $105 to $130. Visit benefits.tasc.com for more information, or contact VSP at www.vsp.com or 1-800-877-7195. Legal Plans You have two legal plan options: the Legal Services Basic Plan and the Comprehensive Plan through Legal Resources. Different coverage levels apply to each. Enrollment in the legal plan can only be done as a new hire or at open enrollment. Life Insurance and Accidental Death and Dismemberment (AD&D) Insurance TASC provides benefits-eligible employees with basic life and AD&D insurance at one times their annual salary, insured by Prudential. You also can choose to purchase additional life insurance coverage for yourself, your spouse, or your children, or additional AD&D insurance for yourself or your family. Short- and Long-Term Disability (STD and LTD) All benefits-eligible employees are automatically enrolled in shortterm and basic long-term disability insurance through Cigna. These benefits replace your income if you are out of work for a period of time due to an illness or disability. You are automatically enrolled in the STD and Basic LTD benefit at no cost to you. TASC also offers two levels of buy-up choices of optional LTD that you may enroll in. Employee Assistance Program (EAP) All employees have access to TASC’s EAP, a confidential, no-cost, information and counseling service that can help you or family members deal with personal problems or stressrelated situations, including family conflicts, stress, grief, and drug and alcohol problems. To find out more, see www.liveandworkwell.com (access code TASC) or call 1-866-374-6061. Additional Benefits 6 open enrollment quick view KEY DATES • The open enrollment period for 2015 health benefits is from Monday, Oct. 27, through Wednesday, Nov. 12, 2014, at 11:59 p.m. ET. • Benefit changes or new elections become effective on Jan. 1, 2015. • The first paycheck in which you will see deductions for your 2015 benefit elections is Jan. 2, 2015. TO ENROLL Before enrolling (recommended): Visit https://mytascbenefits.benefitsnow.com to review your current elections or call the TASC Benefits Service Center at 1-877-248-8519. Use this overview and the information on benefits.tasc.com to determine the right plan for you and your family, both in terms of coverage and affordability. To elect/change benefits online: • Log into the TASC Benefits Service Center website at https://mytascbenefits.benefitsnow.com • If you created your account after the launching of the new portal (June 2014): – Enter your user name and password. – On the benefits home page, select “Enroll” and follow the steps. • If you have not created your account or are a new hire: – Select the “First Time User” link. – Enter credentials requested. – Click “Go”. • You can revisit this page at any time to elect, make changes or make updates to your elections until 11:59 p.m. ET on Nov. 12, 2014. To elect/change benefits by phone: • Call the TASC Benefits Service Center at 1-877-248-8519 (domestic) or 1-801-559-9557 (international). • Select the option for open enrollment. Consider changes to other benefits TASC offers (recommended): • Basic Life Insurance and AD&D: You can change your life insurance elections at any time throughout the year. • Long-term disability: You can elect additional LTD in addition to the company-provided amount. • Beneficiary designation: Select a beneficiary (ies) for your Basic Life and AD&D insurance, even if you do not elect voluntary coverage. Print your statement: Be sure to print a copy of your confirmation statement for your records, even if you make no changes to your benefit elections. TASC will also mail a copy of your election statement to your home in late November. KEEP IN MIND... Plan costs: Some health plan costs are increasing in 2015. Make sure to review your options and actively select the benefits and coverage levels that are right for you and your family. • Life insurance and AD&D rates will not increase. However, if you move into a new age bracket in 2015, the cost of your life insurance may increase. “Passive” enrollment except for FSAs and HSAs: • If you make no changes or new elections for medical, dental, vision, life, AD&D, disability or legal benefits, you will automatically be enrolled in the same programs with the same coverage levels as you currently have. • If you want to participate in Health Care or Dependent Care FSA in 2015, you need to actively enroll during open enrollment. • If you want HSA contributions to come out of your first paycheck in 2015, make sure to make an election during open enrollment. Dependent eligibility: Make sure that all your covered dependents are eligible to participate. If you add a dependent, you will be required to provide proof of eligibility before coverage can be effective. Qualified life events: If you miss the open enrollment period, you cannot change current or elect new health benefits unless you have a qualifying life event, such as change in marital status or addition of a child to your family. See benefits.tasc.com for a list of qualifying life events. IF YOU DO NOTHING... • You will be defaulted into your current medical coverage for 2015, if you do not make changes during open enrollment. • If you are not currently enrolled in a TASC medical plan, your default for 2015 will be no medical coverage. The Affordable Care Act requires you to have health coverage in 2015. If you do not enroll in a TASC medical plan for 2015, you’ll need coverage from another source. Otherwise, you may have to pay a tax penalty to the federal government. • FSA and HSA elections do not carry forward from year to year. You need to actively enroll and make contribution elections. • For all other coverage, if you do not take action during open enrollment, your current elections will carry over to next year and any 2015 cost increases will apply. GET HELP Contact the TASC Benefits Service Center at 1-877-248-8519.
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