Benefit Guide - Stripes

WELCOME

BROWNSVILLE HEALTH AND WELLNESS CENTERS (BMS) take pride in offering a comprehensive employee benefits program that meets our employees’ evolving needs and ensures a level of security and protection. We recognize the important role employee benefits play as a critical component of your overall compensation and will continue to target the best quality benefit plans for you and your families. 2024 Open Enrollment Open Enrollment starts December 4th through December 14th. If you were enrolled in the Emblemhealth Medical Plan, you will be automatically enrolled in the new Cigna Medical Plan. If you were enrolled in one of the Aetna Dental Plans, you will be automatically enrolled into a Cigna comparable plan. If you want to enroll/change/terminate benefits you MUST complete an election form. Please contact Human Resources (HR) for a benefits election form. Please return the completed enrollment form to HR. What’s changing in 2024: • Our medical carrier is changing to Cigna - Open Access Plus In-Network (OAPIN) Plan. • Your bi-weekly medical contributions will slightly decrease. • Our Dental carrier is changing to Cigna. We will continue to offer two (2) Dental Plans - DPPO Plan and DHMO Plan. • Your bi-weekly PPO dental contributions will slightly increase. • PerkSpot Discount Program - provides exclusive discounts on travel, entertainment, and much more. What’s staying the same? • Medical Expense Reimbursement Plan (MERP) through Nonstop Health. The MERP provides reimbursement for most of your In-Network medical expenses. • Our Vision Plan is provided through UnitedHealthcare and provides both In-Network and Out-of-Network benefits. • The Group Term Life/AD&D coverage through The Hartford is offered at no cost to you. • The Colonial Worksite Voluntary Benefits provide supplemental coverage. • LegalShield and IDShield Voluntary Benefits provide legal services and identity theft protection. • 401(k) Plan provided through Principal. For more information about these benefits, please contact BenefitsVIP at 866.286.5354. This guide provides a general overview of your benefit choices to help you select the coverage that is right for you. Every effort has been made to ensure the accuracy of the information presented. However in the event of any discrepancies, your actual coverage will be determined by the legal plan documents that govern the respective covera ge.

CONTENTS

BenefitsVIP Advocacy

3

Medical Benefits

4

Medical Expense Reimbursement Plan

5

Mail Order Pharmacy 6

Medical Glossary

7

Dental Benefits

8 - 9

Vision Benefits

10

Life/AD&D

11

Employee Assistance Program

12

Voluntary Benefits

13 - 15

401k Plan

16

PerkSpot Discount Program

17

Disclosures

18-19

2

QUESTIONS? Call Answers@benefitsvip.com at 866.286.5354