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6:00AM- 3:00 PM PT Monday – Friday
Book My 2017 Open Enrollment Appointment
(prior to and during enrollment)
If you need assistance with scheduling an appointment, please dial: (844) 218-4533
1 Benefits Details 2 Benefit Overview 3 Medical Insurance 4 Wellness Resources 5 Preventive Care 6 PlushCare 7 Accident Insurance 8 Group Critical Illness Insurance 9 Hospital Indemnity Insurance 10 Whole Life Insurance 11 Dental Insurance 12 Vision Insurance 13 Life / AD&D Insurance 14 Disability Plan 15 Identity Theft Recovery 16 Flexible Spending Account 17 Employee Assistance Program 18 Travel Assistance 19 Important Resources & Contacts
Employees may begin scheduling appointments on Monday, April 3rd by clicking the button below.
Your benefits enrollment will be April 12-21, 2017.
Table of Contents
Click here to schedule your enrollment appointment online
Book Your Appointment
2017 Benefits Enrollment
Benefits For You and Your Family
Welcome to Your
Variable Hour Employee Eligibility
Benefits Effective Date
Your benefits effective date will be June 1, 2017
Full-Time Employee Eligibility
Family Member Eligibility
If you are a regular full-time employee working 30 or more hours per week, you are eligible for all Turning Point’s health and welfare benefits on the first of the month following completion of 2 months of continuous full-time active employment. If you are a Variable-Hour employee who has worked an average of 130 hours per month during the one year look-back period, you are eligible for the Turning Point Medical/Rx/Vision benefits. Under federal health reform law, for a Variable-Hour associate,Turning Point will track all hours worked for a full 12-month measurement period. If, after that entire 12-month timeframe, Turning Point has determined pursuant to federal guidelines that the work hours averaged 130 hours per month, then Medical/Rx/Vision benefits will be offered on the first day following the 13th month following date of hire.
At the time of your enrollment, you MUST provide the Social Security Number (SSN) for all covered dependents (if not already on file). Health Care Reform law requires Turning Point to report dependent social security numbers to the IRS each year to show that you and your dependents have medical coverage and are not subject to a federal tax penalty.
Turning Point may require documentation demonstrating all covered family members meet the eligibility criteria. Proof of eligibility (e.g., marriage license, domestic partnership registration, birth certificate) may be required at the time of enrollment, and whenever requested by Turning Point. You must notify Human Resources immediately if a covered family member loses eligibility during the year.
You may also enroll your eligible family members in the plans you choose for yourself. Your eligible family members include: • Your legal spouse or Registered Domestic Partner (RDP), where applicable by state law. • Your natural children, stepchildren, adopted children, or other children for whom a court holds you responsible; eligibility differs between coverages: Medical/Rx/Vision: Children are eligible up to their 26th birthday, whether or not they’re living apart from you, dependent on you for support, a full-time college student, married, or eligible for other coverage from their own job (or spouse’s job). Dental: Unmarried dependent children are eligible up to their 20th birthday or up to their 25th birthday if enrolled as a full-time, college-aged student at an accredited school. Voluntary Life and AD&D Insurance: Unmarried dependent children are eligible up to their 26th birthday. • Children who are physically or mentally disabled and financially dependent on you for support may continue on your Medical/Rx/Vision and Dental coverage beyond the normal age limit if the disability continues. The child must already be covered under the plan(s).You will be required to provide appropriate documentation of their disability annually.
Required Information
Proof Of Eligibility
Turning Point is pleased to announce our 2017-18 benefits program, which is designed to help you stay healthy, feel secure, and maintain a work/life balance. Offering a competitive benefits package is just one way we strive to provide our employees with a rewarding workplace. Please read the information provided on this website carefully. For full details about our plans, please refer to the summary plan descriptions. All benefits-eligible employees must schedule an appointment to speak with a Benefits Educator to enroll in, waive or change benefits for the 2017-18 plan year. These are trained, non-commissioned Benefits Educators who will answer questions about the benefits program, help you choose your benefit options, and assist you with completing the enrollment process.
Benefit Details
You pay 100% of the costs through convenient post-tax payroll deductions. Post-tax means that the deduction is made after taxes are withheld from your paycheck, and therefore, does not reduce taxable income.
Turning Point pays a considerable portion of your Medical/Rx/Vision and Dental premium costs for you and your eligible family members. You pay your share of the costs through convenient pre-tax payroll deductions. Pre-tax means that the deduction is made before taxes are withheld from your paycheck.This process reduces your taxable earnings, resulting in a tax break.
Travel Assistance (Unum)
Employee Assistance Program (EAP) (ACI)
Flexible Spending Accounts (FSAs) (Navia)
Long Term Disability (Unum)
Voluntary Life/AD&D (Unum)
Basic Life AD&D (Unum)
Voluntary Benefits (Unum)
• Provides a wide array of travel assistance services to employees and their eligible family members when traveling 100 miles or more away from home for leisure or business trips
• Counseling, work/life, and concierge services
• Contribute up to $2,550 pre-tax (per plan year) for eligible health care expenses • Contribute up to $5,000 pre-tax (per plan year) for eligible dependent care expenses
• After a 90-day elimination period, plan pays 60% up to $6,000 monthly
• Increments of $10,000 up to $500,000, not to exceed 5 times your basic annual earnings • Family coverage available
• Upper Management: $50,000 • Middle Management: $25,000 • All Other Employees: $10,000
• Accident • Critical Illness w/ Cancer Option • Hospital Indemnity • Whole Life Insurance w/ Long Term Care Rider • Voluntary Short-Term Disability • ID Theft Recovery
• Modified Classic PPO (High Option) • Modified Classic PPO (Low Option) • Modified Lumenos PPO • Vision Plan
You
Turning Point
Turning Point & You
• PPO
Dental (Guardian)
Who Pays
Coverage Options
Benefit
Medical/RX/Vision Delta Health Systems (medical & vision) RXBenefits (prescriptions
You may also click the buttons below to see your monthly benefit costs.
Voluntary Benefits through Unum
Voluntary Life / AD&D
Benefits Overview
Medical / RX / Vision / Dental
The chart below is a brief overview of your benefit options for the 2017-18 plan year (June 1, 2017 through May 31, 2018). For more information, refer to the appropriate section on this site.
Benefits Overview & Monthly Costs
When you go to an out-of-network provider, you will pay a higher deductible, higher coinsurance (except in the case of an emergency), and a higher out-of-pocket maximum. You will also have to pay the provider in full at the time you receive care and file a claim to Anthem for reimbursement. Out-of-network providers are not contracted with Anthem and can charge whatever they want for services. Anthem pays out-of-network claims based on their maximum allowed amount. If an out-of-network provider charges more than Anthem's maximum allowed amount, you will be responsible for your normal portion of the costs plus amounts above the maximum allowed amount. This is referred to as balance billing. Charges above the plan’s maximum allowed amount do not count toward your deductible or out-of-pocket maximum.
When you use providers within your plan's network, you receive the highest level of benefits and pay the lowest out-of-pocket expenses. In-network providers have agreed to provide services to plan members at discounted rates, meaning that your costs can be substantially less than if you use out-of-network providers. In addition, in-network providers file all claims for you, saving you time and hassle.
To locate a participating (In-Network) provider, visit www.anthem.com/ca and click on Find A Doctor.
Out-of-Network Providers Cost You More!
In-Network Providers Save You Money!
Catch-up (age 55+)
$1,000
$3,400
$6,750
Family (employee + 1 or more)
2017
HSA Contribution Limit
Employee Only
To be eligible for an HSA, you must meet the following criteria:
• Be enrolled in the Lumenos PPO plan • Have no other health coverage except what is permitted as other health coverage by the IRS • Not enrolled in Medicare (including Part A), TRICARE or Medicaid • Not be claimed as a dependent on someone else's tax return • Not have access to dollars in a Flexible Spending Account (FSA) that can pay for any medical expenses before the HSAs required deductible is met, including a spouse's FSA
By selecting the Lumenos PPO plan, you authorize a Health Savings Account (HSA) to be opened at HealthEquity. In compliance with the USA PATRIOT Act, HealthEquity must verify the identity of all customers seeking to open an HSA. As part of the identity verification process, you may be asked to provide additional information and/or documentation before the account can be established.
More HSA eligibility details can be found at: www.healthequity.com/learn/health-savings-account
When you enroll in the Lumenos PPO plan, you will be automatically set up with an HSA through HealthEquity. An HSA is a special savings account that allows you to save pre-tax dollars (through payroll deduction) to pay for any “qualified health related expenses” permitted under federal tax law. This includes most medical care and services, prescription drugs, dental services, vision care, and expenses related to meeting the deductible. For a complete list of qualified health-related expenses, visit www.irs.gov/pub/irs-pdf/p502.pdf. The guidelines for contribution maximums are set by the IRS each year. The amounts for 2016 are as follows:
HSA Overview
If you take maintenance medications for conditions such as high blood pressure, asthma or diabetes, Express Scripts mail-order service can saveyou time and money. For example, with the Classic PPO plans, a Generic 3-month (90-day) supply at a retail pharmacy would cost you $30, butby utilizing home delivery, your prescription would cost you $10. That is a 66% savings!
Mail Order Pharmacy - Your Best Value
Coinsurance percentages and copay amounts shown in the above chart represent what the member is responsible for paying. * Benefits with an asterisk ( * ) require that the Medical Plan deductible be met before the Plan begins to pay 1. Out-of-network drugs subject to in-network copay plus 50% coinsurance. 2. Out-of-network drugs subject to 40% coinsurance and costs in excess of the plan's Maximum Allowed Amount.
Our medical plans include prescription coverage. Pharmacy benefit services are provided by Express Scripts administered by RxBenefits. As an enrolled member, you can register online at www.express-scripts.com. Contact RxBenefits Member Services at (800) 334-8134 with questions regarding your prescription coverage.
Prescription Overview
* Benefits with an asterisk ( * ) require that the deductible be met before the Plan begins to pay.
Medical Overview
Medical Plan Highlights
Diabetes Care
My UHC Online
Health4Me App
Virtual Visits
Mail Order Pharmacy
Additional Benefits of United Healthcare!
Turning Point offers you a choice between three different medical plans administered through Delta Health Systems with Anthem Blue Cross as the provider network. All three plans provide comprehensive medical care and prescription medication coverage. The plans also give you the freedom to seek care from the provider of your choice. However, you will save money, avoid filing claims and receive the highest level of benefits when you use in-network providers.
Medical Insurance
Many employees don't understand what their medical insurance covers.
We’re here to help you understand your benefits and make the best choices for you and your family. Click the buttons below for more details.
Wellness Resources
ConditionCare
Secure Message Center and Personal Health News
You can receive health-related secure messages with current news, drug alerts and health tips based on your personal health interests and profiles.This personalized, objective and trustworthy information keeps you informed of timely health subjects and medical developments that matter to you.
When you have questions about your employee benefits, call My Benefits Champion!
Healthy Lifestyles
Gain a better understanding of your health, receive help in following your doctor’s care plan, and learn how to better manage your health with the guidance of a dedicated nurse team and health professionals. ConditionCare is designed to help people diagnosed with at least one of these health conditions: • Asthma • Chronic Obstructive Pulmonary Disease • Coronary Artery Disease • Diabetes (types 1 and 2) • Heart Failure
Online access to the latest news and compelling information to help you address weight and stress management, physical activity, diet and nutrition and smoking cessation.
Health Content
Future Moms
Provides moms-to-be with telephone access to nurses to discuss pregnancy related concerns. Also provides education and tools to help track the pregnancy week-by-week and prepare for the baby.
MyHealth Assessment
Determine your overall health status by completing the MyHealth Assessment. Identify your health risks and see how your health compares to other members. Then learn what steps you can take to make the biggest improvements in your lifestyle and your health.
MyHealth@Anthem
Live a healthy lifestyle and register with anthem.com/ca.
The Healthwise Knowledge base, powered by WebMD Health, is one of the most reliable health resources on the Web, giving you the ability to make informed decisions about self-care, medications, conditions, tests, and treatments while facilitating the improvement of communication with your health care providers.
Personalized, online health information that motivates you to become more involved in your health.
When you enroll in a Turning Point Medical plan, you have access to wellness resources to help you and your family live healthier, make informed health care decisions, and get the support you need.
To view Health Tips, click here!
Preventive Care
Take advantage of your FREE preventive care benefits!
• Colonoscopy • Prostate cancer screening • Annual physicals • Flu shots • Immunizations • Blood pressure checks • Cholesterol (total and HDL) • Diabetes mellitus: baseline for high-risk individuals
• Pap tests • Mammograms • Annual physicals • Flu shots • FDA-approved contraception • Immunizations • Colonoscopy • Blood pressure checks • Cholesterol (total and HDL) • Diabetes mellitus: baseline for high-risk individuals
• Well-baby care • Annual physicals • Flu shots • Immunizations • Medical/family history and physical exam • Blood pressure checks • Vision screening
One of the most tragic things about many serious health problems is that they are preventable. Many problems that start as small health issues — the kind we all tend to ignore — can turn serious if they go undetected and untreated. That’s why getting regular preventive care is crucial. Doctors can catch the things that you might dismiss as just mildly annoying — but could really be putting your health at risk. When you call your doctor’s office to schedule an appointment, be sure to specify the visit is for Routine Preventive Care. Not all preventive care is recommended for everyone, so talk with your doctor to decide the services that are right for you and your family. Preventive care services include, but are not limited to:
Males
Females
Children
Turning Point's medical plans cover routine preventive care services at 100% (deductible waived) when you see an in-network provider.
Skip the waiting room. Get care over the phone.
Prescriptions are sent to a pharmacy of your choice, pick them up at your convenience.
A PlushCare network doctor contacts you and diagnoses, treats and provides medication, if necessary.
Call 1-888-788-8719 or visit www.plushcare.com. Select same-day appointments, suited to your schedule.
World-class doctors are available over the phone and provide treatments for hundreds of conditions. If appropriate, the doctor can write a prescription and have it sent immediately to the pharmacy of your choice. You and your family no longer have to wait to get the care you need! The cost is just your medical plan office visit copay.
Pick Up Your Prescription
Speak to A Doctor
Book An Appointment
How It Works
PLUSHCARe
over 750 Americans suffer an injury severe enough to seek medical help.
Every 10 minutes
Wellness Benefit! Receive $50 if a covered health test is performed. Click here for more info!
Unum’s Accident Insurance can pay benefits based on the injury you receive and the treatment you need, including emergency-room care and related surgery. The benefit can help offset the out-of-pocket expenses that medical insurance does not pay, including deductibles and copays. Family coverage is available.
Your Benefits Educator will provide rate information during your enrollment appointment.
Need more information? Watch this video or view this flyer!
Here are a few examples of benefit amounts:
Emergency Room
$150
$200/day (per day up to 365 days per accident
Hospital Confinement
Hospital Admission
Accident
Insurance
Could your bank account survive a serious illness?
Critical Illness
with Cancer Option
Unum’s Critical Illness insurance pays a lump sum cash benefit at the diagnosis of a covered illness, such as a stroke, heart attack, cancer, or major organ failure. This plan pays a lump-sum benefit directly to you — not to a doctor or health care provider — at the first diagnosis of a covered condition.
Covered conditions with time limitations:
• Stroke (evidence of persistent neurological deficits confirmed at least 30 days after the event) • Coma (resulting from severe injury lasting 14 consecutive days or more)
• Heart attack • Blindness • Major organ failure • End-stage renal (kidney) failure • Coronary artery bypass surgery (pays 25% of lump-sum benefit) • Benign brain tumor • Cancer • Carcinoma in situ (pays 25% of the lump- sum benefit)
Covered conditions include:
Wellness Benefit! Receive $75 if a covered health test is performed. Click here for more info!
Policy Options Include:
Child(ren)
25% of employee amount
$5,000 ro $50,000
$5,000 ro $30,000
Spouse
Employee
Hospital Indemnity
Would a trip to the hospital leave your finances in serious condition? Hospital Indemnity Insurance can help.
This coverage complements your medical plan by providing a lump-sum cash benefit that can be used to help pay for the out-of-pocket expenses your medical plan may not cover such as deductibles, coinsurance, and copays. The plan pays $1,500 per insured per calendar year when you are admitted to the hospital for a covered hospital stay.
Need more information? View this flyer!
with Long Term Care Rider Option
Whole Life
This benefit can help keep your mind at ease from a serious financial upset should you have to visit the hospital.
American workers report they always or usually live paycheck to paycheck.
More than 1 in 3
An optional Long Term Care Rider is available at an additional cost if you purchase a whole life policy amount of at least $10,000. By adding this rider to your policy, you can help protect your savings in the event you need nursing home care, home health care, or adult day care.
Unum’s interest-sensitive whole life insurance can provide protection for both your working years and your retirement, while building cash value to use as a living benefit. Premiums do not increase with age, and the policy amount stays the same for the life of the policy.
$2,000 to $300,000
$5,000 to $50,000
$2,000 to $75,000
1. Go to www.guardiananytime.com and click Find a Provider 2. Click Find a Dentist 3. Under Select a Plan choose PPO and follow onscreen instructions 4. Under Select Your Dental Network choose DentalGuard Preferred
How to locate a participating (in-network) dental provider:
* If you choose to go to an out-of-network provider, youmust pay the provider in full at the time of service andfile a claim with Guardian for reimbursement. In addition,the plan’s benefits will be based on what Guardian hasdetermined to be the reasonable and customary (R&C)fee for dental services in your geographic area. If yourout-of-network dentist charges more than the R&Camount, you will have to pay your normal portion of thecosts plus any expenses above the R&C amount.
VISION ACCESS PROGRAM - As a dental plan member, you can receive discounts on vision services or supplies from a VSP provider. To locate a provider, visit www.vsp.com. Discounts include: 20% off eye exams, frames, standard lenses and lens options; 15% off contact lens exam; 15% off laser surgery. No ID card is required, but you must notify the VSP provider that you have Guardian VSP Access Plan coverage.
Locating an In-Network Provider
Dental Overview
Dental Insurance
Turning Point offers dental coverage through Guardian.
of adults ages 20-64 have had dental cavities.
Dental Care is an Important Part of Your Overall Health Care. The key to a healthy smile is to take care of your teeth and gums before problems begin. The plan offered by Turning Point is designed to provide you and your family with coverage for items such as cleanings, fillings, crowns and other related dental services with the freedom to use the provider of your choice, with greater cost savings in-network. Click the icons below for a brief description of the plan available to you.
92%
Dental ID Cards
Guardian does not issue dental ID cards; however, if you would like an ID card to present to your dentist, you may print one from Guardian's website. Once you are enrolled, visit www.guardiananytime.com to log in or register for an account, then click on Forms/Materials.
1. Go to www.anthem.com/ca 2. Click Find a Doctor (located on the right hand side of the screen under "useful tools") 3. Click Search by Selecting a Plan or Network (located under "Search as a Guest") 4. Select Vision for the type of care you are searching for 5. Select your state 6. Select Blue View Vision as your plan/network
How to locate a participating (in-network) vision provider:
Vision Insurance
All the more reason to have vision coverage for you and your family.
Vision Coverage Provides Important Preventive Care Getting an eye exam is more than just testing your vision. Conditions such as diabetes, high blood pressure,neurological conditions and even brain tumors can show up in the eyes. Annual eye exams also provide earlydetection of potentially serious eye problems such as cataracts, glaucoma or macular degeneration.
If you enroll in a Turning Point Medical plan, you are automatically enrolled in the vision plan administered through Delta Health Systems. This plan gives you the freedom to use the vision provider of your choice. Because there is no network, please make sure to choose a provider that provides quality services at an affordable cost. You will be reimbursed for a portion of your out-of-pocket costs, as outlined in the table below.
of all visual impairment can be prevented or cured.
80%
Vision Overview
Click here to watch a short video about this benefit
A fundamental element of any benefits package is life insurance which is designed to protect you and your loved ones from financial hardships related to an untimely death. NMHS provides you with $250,000 of Basic Life Insurance. This benefit is provided to you at no cost. When you are age 70 or older, your Basic Life Insurance benefit will reduce to 50% of the benefit at age 70. Spouses and dependents will receive $10,000 of coverage.
Basic Life for Physicians
A fundamental element of any benefits package is life insurance which is designed to protect you and your loved ones from financial hardships related to an untimely death. NMHS provides you with 1 times your annual compensation rounded to the next higher $1,000 up to $50,000 of Basic Life Insurance. This benefit is provided to you at no cost. When you are age 70 or older, your Basic Life Insurance benefit will reduce to 50% of the benefit at age 70. Spouses and dependents will receive $10,000 of coverage.
Basic Life for All Other Employees
Life / AD&D Insurance
All Other Employees
$50,000
$10,000
$25,000
Middle Management
Benefit Amounts
Upper Management
You may purchase additional Life and A&D coverage for yourself and coverage for your eligible familymembers at affordable group rates.
Accidental Death and Dismemberment (AD&D) provides specified benefits for a covered accidental bodily injury that directly causes dismemberment (i.e., the loss of a hand, foot, or eye).In the event that your death occurs from an accident, both the Life and the AD&D benefit would be payable to your beneficiary(ies).
Voluntary Life and AD&D
Life Insurance provides your family or beneficiary(ies) with a benefit in the event of your death.
Employer Paid Life and Accidental Death & Dismemberment Insurance
Turning Point also allows you the opportunity to purchase additional Voluntary Life/AD&D coverage through Unum.
Family security is important to Turning Point.
That’s why we provide you with Company-paid Basic Life/AD&D insurance at NO COST.
Regular employees
If you suddenly didn’t receive a paycheck, how would you pay your bills? The unexpected could happen at anytime.
Disability
Disability Insurance provides benefits that replace part of your lost income when you become unable to work due to a covered injury or illness. Coverage is provided through Unum.
* Benefit payments will be reduced by other sources of income such as state disability benefits payments,** Social Security and Workers' Compensation. ** Employees in California are covered by SDI (state disability insurance). For more information, visit www.edd.ca.gov/direp/diind.htm. CA employees pay SDI premiums through payroll taxes. Benefit payments are considered non-taxable income. *** If your disability is the result of a mental disorder or substance abuse, you will only be eligible to receive LTD benefits up to 24 months.
Protect what you work for with disability insurance
If you become ill or injured and can’t work, Unum’s group Short Term Disability insurance can help. This plan can replace a percentage of your weekly earnings, or pay a specified weekly benefit amount—up to the plan maximum. It can help cover expenses and balance medical bills if you can’t earn a paycheck. Common reasons people use this coverage include injuries, a covered pregnancy, and digestive problems — such as gall bladder surgery. Please note, these Voluntary STD benefits will pay on top of CA State Disability.
If your identity is stolen, you may not know where to turn and what you should do to best protect yourself.
The recovery process can be time-consuming and can prevent you from being able to focus on your daily responsibilities. Fortunately, Unum can provide support when you need it most.
If you experience an identity theft incident, call: 800-984-6812
Identity Theft Restoration Service can provide:
Full-service fraud resolution: Let professionals handle the stressful work for you. Credit monitoring service: Receive triple-bureau monitoring after an identity theft incident. Credit restoration: Get help regaining good standing with creditors. Tax fraud support: Rely on Enrolled Agents to work with the IRS on your behalf. Financial counseling: Receive expert guidance to help get back on your feet. Free legal consultations and discounts on legal services: Get legal advice in serious cases.
With Unum’s Identity Theft Recovery Service, you have a valuable support network of professionals who will monitor your identity after an incident and provide full restoration and recovery services. You can also receive assistance through financial counseling and legal services. With a team of experts backing you up, you can have confidence that you won’t be alone if you experience identity theft.
Identity Theft
Recovery
Flexible Spending Accounts (FSA)
Flexible Spending Account
Important Rules to Keep in Mind
Navia Benefits Debit Card
FSA Example
• Choose a specific amount of money to contribute each pay period, pre-tax, to one or both accounts during the year. • The amount is automatically deducted from your pay at the same level each pay period. • As you incur eligible health care and/or dependent care expenses, fill out an FSA claim form and attach proper documentation and fax, email or mail it to Navia. Your claim will be processed and you will be reimbursed from your account. Your reimbursement checks will be mailed directly to your home address or you may elect direct deposit.
How An FSA Works
• USE-IT-OR-LOSE-IT! The IRS has a strict “use it or lose it” rule: Health Care FSA: Unused funds over $500 will NOT be returned to you or carried over to the following year. Unused funds of up to $500 from one year can carry over to the following plan year. Carryover funds will not count against or offset the amount that you can contribute annually. Dependent Care FSA: Unused funds will NOT be returned to you or carried over to the following plan year. • The claims filing deadline for the 2017-18 plan year is August 31, 2018. • Expenses incurred before or after your coverage period are not eligible. • You cannot stop or change the amount you contribute, unless you have a Qualifying Life Event. • Keep all your receipts.
Important Rules to Keep In Mind
For the 2017-18 plan year you may contribute up to $2,600 (per employee) in pre-tax dollars to cover eligible health care expenses incurred by you, your spouse, and your children up to age 26. The entire amount you set aside is available to you on your effective date of coverage. For a complete list of eligible and ineligible FSA expenses, visit www.naviabenefits.com and click i'm a participant, then click "learn more" under"what's eligible" IMPORTANT NOTE! If you enroll in the Lumenos PPO medical plan, you may only participate in the Limited Purpose Health Care FSA. This type of FSA allows you to be reimbursed for eligible dental, orthodontia, and vision expenses while preserving your HSA funds for eligible medical expenses.
Health Care Flexible Spending Account
Click here for your Dependent Care FSA Flyer
For the 2017-18 plan year you may contribute up to $5,000 (per household) in pre-tax dollars to cover eligible dependent care expenses. The entire amount you set aside is not available right away - funds are available as they are deducted from your paycheck. The Dependent Care FSA covers expenses (such as daycare, pre-school, disabled dependent daycare) so that you (and your spouse, if married) can work or attend school full-time. Eligible dependents include your children under age 13, as well as adults who are physically or mentally incapable of caring for themselves and are your tax dependents. For a complete list of eligible and ineligible FSA expenses, visit www.naviabenefits.com and click i'm a participant, then click "learn more" under"what's eligible"
Dependent Care Flexible Spending Account
The following example shows how you could save money by payingy our out-of-pocket health care and dependent care expenses with tax-free money.
For health care expenses, you may also use your Navia Benefits Debit Card to pay at the point of sale. You will not be paying out of pocket, so there’s no need to fill out a claim form and wait for reimbursement. Note: If you use your Navia Benefits Debit Card, you may be occasionally asked to submit your receipt to Navia as proof of an eligible expense, so be sure to keep all your receipts.
Click the buttons below for more information
Additional Information
Eligible Expenses
Filing Claims and Reimbursement
How an FSA Works
You may participate in the HealthCare FSA even if you don't enroll in Turning Point's Medical/Rx/Vision or Dental plans.
An FSA allows you to set aside a portion of your salary, before taxes, to pay for qualified health care and/or dependent care expenses that you already normally pay for each year. Because that portion of your income is not taxed, you end up with more money in your pocket! You have the opportunity to participate in two different FSAs administered through Navia. The Health Care FSA and/or the Dependent Care FSA. You may participate in the Health Care FSA even if you don't enroll in Turning Point's Medical/Rx/Vision or Dental Plans.
Life. Just when you think you’ve got it figured out, along comes a challenge.
You and your eligible family members are provided with the ACI Employee Assistance Program (EAP) at NO COST to you. Turning Point pays 100% of the premium cost.
Call: 1-800-932-0034 Visit: www.acispecialtybenefits.com Email: eapinfo@acispecialtybenefits.com
HOW TO ACCESS THE EAP
EAP Features
Unlimited Telephone Access: The EAP is available 24 hours a day, seven days a week. Face-to-Face Counseling Visits: You and each of your eligible family members have access toup to 6 FREE face-to-face sessions every 6 months per issue, per year. It’s Confidential: All information is confidential and privacy is protected by law. It’s Easy to Use: A simple phone call, email, or even text message starts the process.
The EAP is designed to help with everyday problems or more serious concerns affecting behavioral health, emotional well-being, or even job performance.
Employee Assistance
Program (EAP)
Don't Forget to Download and activate the "AssistAmerica" app today from Apple or Google Play.
Whenever you travel, be sure to pack your worldwide emergency travel assistance phone number!
As part of your benefits program, you are provided with Travel Assistance services through your Unum Life and Disability benefits at NO COST to you. Turning Point pays 100% of the premium cost. Unum’s travel assistance services are provided by Assist America, Inc., a leading provider of global emergency assistance services.
Within the U.S.: 1-800-872-1414 Outside the U.S.: (U.S. accesscode) +609-986-1234 medservices@assistamerica.com Reference number: 01-AA-UN-762490
How to Access Travel Assistance Services:
Travel assistance speaks your language, helping you locate hospitals, embassies and other “unexpected” travel destinations. Add the number to your cell phone contacts, so it’s always close at hand! Just one phone call connects you and your family to medical and other important services 24 hours a day, 365 days a year.
Travel Assistance
In addition to My Benefits Champion at 1-855-OUR-CHAMP (1-855-687-2426), you are also encouraged to access our benefit providers at the phone numbers and websites listed below.
Travel Assistance (Unum, provided by Assist America)
Life / AD&D (Unum)
1-866-346-5800
Within the U.S.: 1-800-872-1414 Outside the U.S.: (U.S. access code) +609-986-1234 medservices@assistamerica.com Reference number: 01-AA-UN-762490
1-800-669-3539 claims@naviabenefits.com
1-800-932-0034
1-800-421-0344
1-800-635-5597
1-800-541-7846
Classic PPO Plans: 1-800-759-3030 Lumenos PPO: 1-866-207-9878 24/7 NurseLine: 1-800-700-9186 Pharmacy Home Delivery Service: 1-866-297-1013 Blue View Vision: 1-866-723-0515
421760
Basic Life: 421760 Vol Life: 421761
00300192
Classic PPO (High Option): 275883M003 Classic PPO (Low Option): 275883M005 Lumenos PPO: 275883M007 Blue View Vision: 2758830003
www.acispecialtybenefits.com
www.naviabenefits.com
www.unum.com
www.guardiananytime.com
www.myhealthequity.com
www.anthem.com/ca
Health Savings Account (HealthEquity)
Website
Phone # / Email
Policy #
Coverage
Medical/RX/Vision (Anthem Blue Cross)
This Benefits Enrollment Guide is intended to be only a summary of the benefits available to youand does not include all plan rules, notices and details and is not to be considered a certificate of coverage or a summaryplan description. While every effort was taken to accurately report your benefits, discrepancies and omissions are alwayspossible. If for any reason there is a discrepancy between the official plan documents or official summary plan descriptionsand this guide, the plan documents or summaries will always govern. Please refer to your summary plan descriptions, planbrochures and supporting literature for complete plan details and more detailed explanations as to coverages, limitations,and exclusions. Turning Point reserves the right to change, amend or terminate any benefit plan, with or without notice.
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resources & Contacts
Important
