2015 BENEFITS USER GUIDE MYBENEFITS For Staffing, Corporate Services and Protiviti employees, and Salaried Professionals This guide provides information to help you transition to your new 2015 Robert Half benefits, as well as tips for using your benefits year-round. If you have any questions about your new benefits, call the Mercer Marketplace at 855.879.6739. Representatives are available Monday through Friday, 4 a.m. – 7 p.m. Pacific time. You can also contact the carrier directly using the phone numbers and websites noted on page 6. MYBENEFITS PAGE 2 2015 BENEFITS USER GUIDE MEDICAL BENEFITS FINDING A DOCTOR Before you go to the doctor, ask yourself: ■■ Does the doctor participate in the network? You can see any doctor, but you pay less when you go to an in-network doctor. To find one: Enrolled in a Kaiser Plan? If you chose a Kaiser medical plan, you must receive all of your care through Kaiser healthcare providers. There are no out-of-network benefits, except in an emergency. To find a Kaiser provider, including doctors, hospitals and pharmacies, go to kp.org and select “Find a Doctor.” Anthem Cigna ■■ Go ■■ Go to anthem.com/ca ■■ Select ■■ Select “Find a Doctor” State: --In California, select Blue Cross PPO Prudent Buyer Large Group to cigna.com ■■ Select “Find a Doctor” and “Select a Plan” ■■ Click on “Open Access Plus, OA plus, Choice Fund OA Plus WITH CareLink” --Otherwise, select National PPO (Blue Card PPO) ■■ What will the doctor charge for a service? Treatment costs vary by location, provider type and more. Even in-network doctors working in different parts of town may charge different amounts. For many procedures, you can use the tools on the Anthem or Cigna websites to find out in advance what the doctor may charge for your visit. Contracts or agreements between doctors or healthcare facilities and insurance carriers may change or terminate at any time. In addition, a network facility can contract with a non-network specialist. Be sure to check with the facility or provider to understand the costs and services, especially if you are planning a surgery or a major treatment. Generally, in-network doctors, specialists and facilities have contracted rates with your insurance carrier and can provide better pricing for the same service or treatment. Not Sure How Urgently You Need Care? Call your medical plan’s 24/7 nurse line. You’ll speak to a registered nurse who can help you determine if you need care and how quickly. Anthem: (866) 784-2643 Cigna: (800) 244-6224 Kaiser: Northern CA: (866) 454-8855 Southern CA: (888) 256-2039 Colorado: (800) 218-1059 Georgia: (404) 365-0966 Oregon/WA: (800) 813-2000 Mid-Atlantic: (800) 677-1112 Hawaii (Oahu): (808) 432-7700 [after hours: (808) 432-7700] Hawaii (Maui): (800) 243-6400 [after hours: (800) 467-3011] Hawaii (Big Island): (808) 334-4400 [after hours: (800) 467-3011] USE YOUR PREVENTIVE CARE Preventive care helps identify potential health risks when they may be easier and less costly to treat. ■■ Use an in-network doctor. The plan covers preventive care at 100% when you receive care from an in-network provider. ■■ Know what’s covered. In-network preventive care services, such as physical examinations, related laboratory and X-rays, well-women tests, mammograms, prostate and colorectal (including colonoscopy) screenings, and immunizations, excluding travel vaccines, are covered at 100%, subject to certain age-appropriate and frequency guidelines. KNOW WHERE TO GO FOR IMMEDIATE CARE ■■ In an emergency: Life-threatening emergencies should be handled by your local emergency room or emergency medical services (dial 9-1-1 in most areas). ■■ In a non-emergency (but care is needed right away): You have options: --Visit a network urgent care center. Go to your carrier’s website to search for in-network urgent care centers. --Call your in-network doctor to see if you can schedule an immediate or after-hours appointment. MYBENEFITS PAGE 3 2015 BENEFITS USER GUIDE RESOURCE TO HELP ADDRESS A MEDICAL CONDITION If you or a family member experiences a major health event, or has a serious disease or chronic condition, it’s important to know you have resources in addition to your personal doctor or specialist: ■■ Confirm a complex diagnosis and your treatment options. When you or a covered family member receives an uncommon medical diagnosis, Best Doctors® can help you confirm your condition and better understand the treatment options. To get started, go to members.bestdoctors.com or call 866.904.0910. ■■ Get help managing a health condition. If you are an Anthem or Cigna member, you can use Mercer Health Advantage (MHA) to help coordinate your complex medical care. For additional information, call the number below to connect with a member of the Mercer Health Advantage clinical team: --Anthem: 844.594.6178 --Cigna: 800.CIGNA24 MANAGE YOUR HEALTH SAVINGS ACCOUNT (HSA) WHEN COVERAGE BEGINS If you’re enrolled in the $1,500 Deductible Plan or the $2,500 Deductible Plan, be sure to: ■■ Get started now (if you haven’t already) If you enroll within the 30 days of your eligibility date, your Robert Half benefits will become --Activate your HSA debit card (this is integrated with your FSA card, if applicable). effective as of your eligibility date. --Register online with Discovery Benefits at accounts.mercermarketplace.com. For Salaried Professionals, “eligibility --Designate a beneficiary online.date” means the first day of the month following or coinciding with the completion of 30 days of service. For all others, “eligibility date” means the first day of the ■■ Manage your HSA during the year month following or coinciding with your date of hire. --Log on to accounts.mercermarketplace.com regularly during the year If you enroll during yourtransaction benefits willand generally be effective --Check yourOpen claimsEnrollment, and balances, contribution history,beginning account January 1 of the following year.and more. statements, --Learn more about HSA fees, interest rates, investment options, and using the HSA to For more information regarding coverage upon a qualifying event, contact the Mercer Marketplace pay providers or reimburse yourself. at 855.879.6739. --Start, stop or change your contributions at any time through Mercer Marketplace. Keep in mind that you must make contributions to receive the Robert Half matching contribution.* As a reminder, there are many benefits to using a health savings account: ■■ The money in your account is always yours. Like salary deferrals into your 401(k) plan account, your HSA and the money in it are yours and can’t be forfeited. Unlike a Healthcare Flexible Spending Account, funds automatically roll over at the end of each year, and you can take your account with you if you change health plans, leave the company or retire. ■■ Your account earns interest. HSA balances are interest-bearing and FDIC insured. Discovery Benefits calculates and compounds interest monthly, and credits it to your HSA each month on the last business day of the statement cycle. ■■ You can invest the money in your account. Once your balance reaches $1,000, you can invest in a selection of mutual funds available through Discovery Benefits. Any interest and investment gains you earn are tax-free, as long as the money is used to pay for eligible healthcare expenses. Go to accounts.mercermarketplace.com to see the available investment options. ■■ The account offers tax advantages. The money you and the company* add to an HSA is not taxed by the federal government and, in some cases, the state, providing tax advantages on: --Contributions to the account --Interest and earnings on the account --Withdrawals for eligible medical expenses * Salaried Professionals are ineligible to receive company matching contributions. MYBENEFITS PAGE 4 2015 BENEFITS USER GUIDE PRESCRIPTION DRUG BENEFITS FILL A PRESCRIPTION Ask about Generic Medication Did you know that generic medications are less expensive than brandname drugs? When you’re prescribed a medication, talk to your doctor about lower-cost options. If you enrolled in one of the Anthem or Cigna medical plans, use your Express Scripts prescription ID card when purchasing your prescription. If you enrolled in the Kaiser plan, use the Kaiser Medical ID card to purchase your prescription. You have two options for filling a prescription: ■■ When you need it immediately: Use an in-network pharmacy to pay lower costs. --Find a participating pharmacy. For Anthem or Cigna plans, go to express-scripts.com. For Kaiser, go to kp.org. --Present your prescription drug card when picking up your prescription. ■■ For medications you take regularly: Sign up for mail order. --This convenient, money-saving service gives you up to a 90-day supply at a reduced cost compared to retail pharmacies. --Once you’ve received your first prescription through mail order, you can refill and renew your prescriptions, as well as receive free standard shipping. DENTAL BENEFITS FINDING A DENTIST Before you go to the dentist, ask yourself: ■■ Does the dentist participate in the network? You can see any dentist, but you pay less when you go to an in-network dentist. To find one, go to deltadentalins.com. The Plan covers preventive care at 100% when you receive care from any Delta Dental contracted dentist. Non-contracted dentists may balance-bill above the Delta Dental plan allowance. ■■ What will the dentist charge for a service? Treatment costs vary by location, provider and more. Even in-network dentists working in different parts of town may charge different amounts. A simple way to determine what insurance will pay is to ask your dentist for a free pre-treatment estimate from Delta Dental. USE YOUR PREVENTIVE DENTAL BENEFITS Preventive care is also important for your teeth and gums. ■■ Use any dentist. The Plan covers preventive care at 100% when you receive care from any Delta Dental contracted dentist. Non-contracted dentists may balance-bill above the Delta Dental plan allowance. ■■ Know what’s covered. Preventive dental care includes twice-annual exams and cleanings, two annual bitewing X-rays, and coverage for sealants until the age of 19. MYBENEFITS PAGE 5 2015 BENEFITS USER GUIDE VISION BENEFITS CHOOSING AN EYE DOCTOR Before you go to the eye doctor, ask if he or she participates in the network. You can see any eye doctor, but you pay less when you go to an in-network provider. To find an in-network eye doctor, go to vsp.com. FLEXIBLE SPENDING ACCOUNTS INCUR ELIGIBLE EXPENSES between JANUARY 1 – DECEMBER 31, 2015 only. When you have eligible healthcare or dependent care expenses, you can: ■■ Pay with your FSA debit card at the point of service. You will receive an ID card for your FSA (integrated with your HSA card, if applicable). ■■ Pay for the expense out of your pocket, and then submit a claim for reimbursement. --By fax: 855.717.6571 --Online: accounts.mercermarketplace.com REMEMBER! Any FSA funds not used by the end of the year will be forfeited. Be sure to incur expenses and submit claims by the deadlines! To see a list of eligible expenses, go to: ■■ Healthcare FSA: Publication 502 at irs.gov/publications/p502/index.html. ■■ Limited Propose Healthcare FSA: Publication 502 at irs.gov/publications/p502/index.html. ■■ Dependent Care FSA: Publication 503 at irs.gov/publications/p503/index.html. FILE CLAIMS BY MARCH 31, 2016 You have until March 31, 2016, to submit claims for reimbursement on any eligible expenses you incurred from January 1 – December 31, 2015. EMPLOYEE ASSISTANCE PROGRAM (EAP) Everyone can use some help once in a while. The EAP offers free, one-on-one counseling and referrals for topics like: ■■ Marriage ■■ Parental ■■ Child ■■ Legal or family counseling guidance and senior care consultation ■■ Financial counseling ■■ Emotional ■■ Alcohol or mental health assistance or drug abuse ■■ Work/life balance Call Magellan Health at 800.424.4485 anytime. You can also receive up to eight face-to-face sessions per topic with a counselor. Please visit magellanhealth.com/mmx for additional details. SHOP FOR DISCOUNTS Through PerkSpot, you have 24/7 access to exclusive prices, discounts and offers from hundreds of local and national merchants, such as health clubs, movie theaters, restaurants, retailers and all major cellphone providers. Offers are updated frequently. Go to roberthalf.perkspot.com to start shopping. MYBENEFITS PAGE 6 2015 BENEFITS USER GUIDE FIND HELP FAST If you have questions or need information about the Robert Half employee benefits program, please contact the Mercer Marketplace at 855.879.6739. Representatives are available Monday through Friday, 4 a.m. – 7 p.m. Pacific time. You also can contact the carriers directly using the information below. Plan Carrier/Vendor Telephone Email/Website Medical/Prescription Anthem 844.594.6178 anthem.com/ca Cigna 800.CIGNA24 cigna.com Kaiser Georgia: 888.865.5813 California: 800.464.4000 Northwest: 800.813.2000 Colorado: 800.632.9700 Mid-Atlantic: 800.777.7902 Hawaii: 800.966.5955 kp.org Express Scripts 844.604.9159 express-scripts.com Health Savings Account (HSA) Discovery Benefits 877.248.0510 accounts.mercermarketplace.com Best Doctors Best Doctors 866.904.0910 members.bestdoctors.com Accident, Critical-Illness, Hospital Indemnity Insurance Allstate 800.521.3535 allstatevoluntary.com/mercermarketplace/ Dental Delta Dental 800.765.6003 deltadentalins.com Vision VSP 800.877.7195 vsp.com Flexible Spending Accounts (FSAs) Discovery Benefits 877.248.0510 accounts.mercermarketplace.com Life and AD&D Insurance Voya (ING) 855.879.6739 None Short and Long-Term Disability Liberty Mutual 800.291.0112 MyLibertyConnection.com Employee Assistance Program (EAP) Magellan Health 800.424.4485 magellanhealth.com/mmx Permanent Life Insurance Allstate 800.521.3535 allstatevoluntary.com/mercermarketplace/ Identity Theft Protection InfoArmor 800.789.2720 infoarmor.com/exchange Auto and Home Insurance MetLife 800.438.6381 metlife.com/group-auto/mpe/index.html? promoid=V3215&ibp-adgroup=metlife36&WT. mc_id=ad004089#auto Legal Assistance Hyatt Legal 800.821.6400 None Pet Insurance VPI 800.540.2016 petinsurance.com Discount Mall PerkSpot 866.606.6057 roberthalf.perkspot.com If there is any discrepancy between the information presented here and the applicable official plan document, the official plan document will govern how your benefits are determined and administered. Robert Half reserves the right to terminate, suspend, withdraw or modify the benefits described in this document, in whole or in part, at any time. © 2015 Robert Half International Inc. An Equal Opportunity Employer M/F/Disability/Vet.
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