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CHILD AND FAMILY GUIDANCECENTERBENEFITS GUIDEJULY 1, 2020 — JUNE 30, 2021
JULY 1, 2020—JUNE 30, 2021 BENEFITS GUIDEWELCOME TO CHILD & FAMILY GUIDANCECENTERChild & Family Guidance Center is committed to offering comprehensive and competitive benefit programswhile managing costs for you and the company. We have prepared this guide to give you an overview of Child &Family Guidance Center’s benefit programs and to help you make an informed decision about your benefit choices.YOU MUST ENROLL or WAIVE COVERAGECOVERAGE EFFECTIVE DATEElected benefits for you and your eligibledependents begin 1st of the month following 60 days from your date of hire.Qualifying Life EventsElections made now will remain until the next open enrollment unlessyou or your family members experience a qualifying event. If you experience a qualifying event, you must contact HR within 30 daysNo changes will be processed after the 30 day window has expired.Qualified family status changes include: INSIDE THIS GUIDEBenefits Summary3Employee Premiums4Where to Get Help5Medical6HSA15Dental18Vision19Disability and Life Insurance20Legal Notices22 Marriage Divorce or legal separation Birth of a child Adoption of a child or placement for adoption Gain or loss of legal custody of a child Change in child’s student status Child turns 26 years old Death of a dependent Medicare eligibility Dependent becomes disabled Termination of spouse’s employment Spouse loses healthcare benefits Employment Termination Change in employment status (i.e. Part time, full time) of the EmployeeAttention: If you (and/or your dependents) have Medicare orwill become eligible for Medicare in the next 12 months, aFederal Law gives you choices about your prescription drugcoverage. Please see page 29 for more details.Enrolling in any part of Medicare makes you ineligible for HSAcontributions. Contact your HR department for details.This document is an outline of the coverage provided by the carrier(s) contracted with Child & Family Guidance Center. It does not include all of theterms, coverage, exclusions, limitations, and conditions of the actual contract language. The policies and contracts themselves must be read forthose details. Policy documents will be made available upon request.The intent of this document is to provide you with general information regarding the status of, and/or potential concerns related to, your currentemployee benefits environment. It does not necessarily fully address all of your specific issues. It should not be construed as, nor is it intended toprovide, legal advice. Questions regarding specific issues should be directed to the insurance carrier or to HR.2
JULY 1, 2020—JUNE 30, 2021 BENEFITS GUIDESUMMARY OF BENEFITSReview the summary below carefully to learn more about the benefits offered to you. You should read thisguide in its entirely and refer to the applicable Summary Plan Description (SPD) for more Plan details.COVERAGEIMPORTANT NOTESMedical and Prescription Drug (Rx)We offer two medical options through Trustmark. Prescription drug coverage is bundledwith Medical and administered by CVS Caremark.DentalWe offer two Dental Plans. A PPO plan through United Healthcare and a DHMO planthrough GuardianVisionWe offer one Vision Plan through Dearborn.Basic Life and Accidental Death &DismembermentChild & Family Guidance Center provides 2 x annual salary (up to 200,000) at no cost toyou.Short-Term DisabilityChild & Family Guidance Center provides short and long term disability coverage at nocost to you! Disability coverage provides a continuing source of income if injury or illnessprevents you from working.Long-Term DisabilityOptional Employee LifeYou can elect up to 50,000 without submitting Evidence of Insurability. The maximumelection is 5 x salary or 250,000 (whichever is less).Optional Accidental Death &DismembermentEquals your voluntary life electionOptional Spouse LifeYou can elect Optional Spouse Life up to 25,000 without submitting Evidence of Insurability. The maximum election is 100% of your voluntary life coverage, up to 150,000.Optional Spouse Accidental Death &DismembermentEquals spouse voluntary life electionOptional Child LifeYou can elect voluntary child life in increments of 1,000 to a maximum of 10,000.Optional Child Accidental Death &DismembermentEquals child voluntary life electionDisability BenefitsChild & Family Guidance Center provides Short and Long–Term Disability benefits at nocost to you, should you be disabled for an extended period of time and unable to work.Pre-Tax ContributionsYou can elect to make pre-tax contributions to your Health Savings Account. Eligible expenses are based on the plan and IRS regulations and limitations.3
CHILD AND FAMILY GUIDANCE CENTEREMPLOYEE PREMIUMSYour cost for benefits, deducted from your paycheck pre-taxon a semi-monthly basis (24 pay periods).SEMI-MONTHLYSEMI-MONTHLYMEDICAL OPTION 1 HSA 6,000GUARDIAN DENTAL OPTION 1 – DHMOEmployee 80.00Employee 6.19Employee Spouse 249.00Employee Spouse 12.06Employee Child(ren) 199.50Employee Child(ren) 13.05Family 411.00Family 18.87MEDICAL OPTION 2 PPO 0UNITEDHEALTHCARE DENTAL OPTION 2 - PPOEmployee 110.00Employee 20.26Employee Spouse 286.50Employee Spouse 40.53Employee Child(ren) 237.00Employee Child(ren) 52.93Family 488.50Family 80.71SEMI-MONTHLYEmployee 4.56Employee Spouse 8.65Child & Family offers Basic Life and Accidental Death andDismemberment benefit of 2x your annual salary to a maximum of 200,000.Employee Child(ren) 9.11This benefit is provided at no cost to you.Family 13.38Please be sure to indicate your beneficiaries.Child & Family offers Short & Long - Term Disability coverage to eligibleemployees based on your level of incomeEmployee enrolling in medical coverage will havethe opportunity to enroll in an HSA Bank account.Your employer will provide a 250 individual or 500 family contribution on an annual basis.This benefit is provided at no cost to you.Please refer to your plan booklet for additional informationYou will be given the opportunity to purchase additional Life andAD&D coverage for yourself, your spouse and your children ataffordable rates. Rates are determined on age and the amountelected.4
JULY 1, 2020—JUNE 30, 2021 BENEFITS GUIDEWHERE TO GET HELP?If you have specific questions about a benefit plan, please contact one of the other resources listed ion DrugsCVS Caremark877.876.7217www.caremark.comDental PPOUnitedHealthcare800.782.3740www.myuhc.comDental tual Doctor VisitsTeledoc800.835.2362www.teledoc.comLife & LTD comShort Term DisabilityChild and Family Guidance Center214-956-3508Please contact HR department.Locating an In-Network ProviderYou can choose any doctor you wish to see – regardless of whether they are in-network. However, the plans will pay a higher percentage to an in-network provider in most cases. In addition, in-network providers have agreed to accept a contracted rate. They cannot bill you for any additional costs outside of this allowable amount. Out-of-network providers can choose to bill you for any remaining amount the insurance carrier does not cover. This is on top of the amount applied to your deductible, co-insurance or co-pay.Medical: Go to www.Aetna.com/ASA Enter your location details and click “Search.” Select a provider type or use the type aheadfunction to find a provider.DHMO Dental: Go to www.guardiananytime.com. Select “Find a Provider.” For the plan type click Managed Dental Care. Enterlocation and select the magnify glass to search.PPO Dental: Go to www.uhc.com/find-a-physician Select “General Directory” Enter in criteria to narrow your search.Vision: Go to www.dearbornnational.com/vision, Click on “Provider Locator.” Enter your zip code, click “Get Results”When you and your dependents use a Preferred/Participating Provider, you avoid balance billing other than applicable deductibles,coinsurance and/or copayment and out-of-pocket maximums.5
CHILD AND FAMILY GUIDANCE CENTERMEDICAL BENEFITSAdministered by TrustmarkComprehensive and preventive healthcare coverage is important in protecting you and your family from thefinancial risks of unexpected illness and injury. A little prevention usually goes a long way—especially inhealthcare. Routine exams and regular preventive care provide an inexpensive review of your health. Smallproblems can potentially develop into large expenses. By identifying the problems early, often they can betreated at little cost.Child & Family Guidance Center offers two medical plan options: An H.S.A plan and a PPO plan. Both plans use the Aetna network.Please utilize the table below to decide which plan works best for you.MEDICAL OPTION 1 HSA 6,000MEDICAL OPTION 2 PPO 0In-NetworkIn-NetworkAnnual DeductibleEmployee OnlyEmployee 1 or more 6,000 12,000 0 0Annual Out-of-Pocket Maximum(includes annual deductible & copays)Employee OnlyEmployee 1 or more 6,000 12,000 6,000 12,000100%50%GENERAL PLAN PROVISIONSCoinsuranceCOPAYSPrimary Care PhysicianYou pay 0% coinsurance after deductible 40 copaySpecialistYou pay 0% coinsurance after deductibleDiagnostic (X-Ray, blood work)You pay 0% coinsurance after deductibleImaging (CT/PET scan, MRI)You pay 0% coinsurance after deductible 40 copay100% up to 250, thereafter subject todeductible and coinsurance 300 copayUrgent CareYou pay 0% coinsurance after deductible 75 copayVirtual Visits by Teledoc 45 per consult 40 per consultPreventive Care Services (Based on age and Gender)Covered 100%Covered 100%You pay 0% coinsurance after deductibleYou pay 0% coinsurance after deductibleYou pay 0% coinsurance after deductible 500 copay per visit 1,500 Access fee then 50% coinsurance 1,500 Access fee then 50% coinsuranceYou pay 0% coinsurance after deductibleYou pay 0% coinsurance after deductibleYou pay 0% coinsurance after deductibleYou pay 0% coinsurance after deductible 20 copay 65 copay 95 copay 200 copayYou pay 0% coinsurance after deductibleYou pay 0% coinsurance after deductibleYou pay 0% coinsurance after deductible 40 copay 160 copay 285 copayOTHER SERVICESEmergency RoomInpatient ServicesOutpatient ServicesPRESCRIPTION DRUGSRx Retail Copays (Up to a 30-day supply)Generic - Tier 1Preferred Brand - Tier 2Non-preferred Brand - Tier 3Specialty Drugs - Tier 4Rx Mail Order Copays (Up to a 90-day supply)Generic -Tier 1Preferred Brand - Tier 2Non-preferred Brand - Tier 3OUT OF NETWORK SINGLE/FAMILYDeductibleCoinsuranceOut of Pocket 15,000/ 30,00030% 17,500/ 35,000 3,000/ 6,00050% 17,500/ 35,000For full plan details please refer to your Summary of benefits and Coverage or Summary Plan Description. Benefits and Coverage or Summary Plan Description. Keep in mind that your health plan pays based upon the allowed price forservices and supplies. In-network providers agree to accept the allowed price as payment in full. When you use out-ofnetwork providers, you must pay the difference between the allowed price and the provider’s charge in addition to any deductibles and coinsurance amounts that may apply. When you utilize an In-Network or Participating Provider, you avoidbalance billing other than applicable deductibles, coinsurance and/or copayments and out-of-pocket maximums.6
Peace of mindhappens here.Speak with a licensed therapistfrom anywhereWhy use Teladoc’sBehavioral Health service&RQƬGHQWLDO WUHDWPHQWTaking care of your mental health is an important part ofyour overall well-being. With Teladoc’s Behavioral Health,adults 18 and older can get care for anxiety, depression,grief, family issues, and more. Choose to see a psychiatrist,psychologist, social worker, or therapist and establish anongoing relationship.Scheduling a phone or video visit with a therapist is easyand convenient. You can make an appointment seven daysa week from 7 a.m. to 9 p.m. local time. Appointments areFRQƬUPHG ZLWKLQ KRXUV Please schedule your appointment online or via theTeladoc app. Although call center reps cannot scheduleappointments for you, they can answer your questions.8S WR Psychiatrist (initial visit)Psychiatrist (ongoing visit)8S WR Psychologist, licensed clinicalsocial worker, counselor, or therapist8S WR Convenience to speak witha therapist from anywhereFlexible schedulingQuick access to the right provider for youHow to schedule a visit1Register your Teladoc account viaweb or app or log in to your accountif you’re already registered2Request a visit3Answer a few questions4Select your therapist5Request a time for your appointment7HODGRF GRHVQpW RƪHU D FULVLV KRWOLQH SSRLQWPHQWV PXVW EH VFKHGXOHG 7KH PHPEHU V UHVSRQVLELOLW\ ZLOO YDU\ E\ SODQ GHVLJQ 5HIHU WR \RXU 3ODQ 'RFXPHQW IRU GHWDLOV &RQILGHQWLDO WKHUDS\ RQ \RXU WHUPVù 7HODGRF FRP Ţ Ť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q7UXVWPDUN 6WDU 0DUNHWLQJ GPLQLVWUDWLRQr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
Giving caregivers a hand,I \RX DUH D FDUHJLYHU WR D UHODWLYH, you have enough to worry about. That’s why Teladoc gives you aFRQYHQLHQW DQG DIIRUGDEOH ZD\ WR SURYLGH FDUH OHWWLQJ \RX DUUDQJH D RU ZD\ YLGHR RU SKRQH YLVLW ZLWK D GRFWRU IRU just 45/visit. Add the IDPLO\ PHPEHU you care for to your Teladoc account,even LI WKH\ UH QRW FRYHUHG E\ \RXU KHDOWK EHQHILW SODQ 1. ADD A CARERECIPIENT2. AUTHORIZATION3. FILL OUT THEHEALTH HISTORY4. REQUEST VISIT GG D FDUH UHFLSLHQW E\ logging into your accountE\ ZHE RU DSS DQG FOLFNLQJ GG D &DUH 5HFLSLHQW Teladoc will emailWKH FDUH UHFLSLHQW IRU authorization or allow\RX WR XSORDG legal documentsHealth history can beFRPSOHWHG E\ FDUH UHFLSLHQW RU FDUHJLYHU &DUHJLYHU RU FDUH UHFLSLHQW schedules a visit by webRU DSS Add UHODWLYHV \RX FDUH IRU to your Teladoc accountVisit: Teladoc.com7KH FDUH UHFLSLHQW LV QRW FRYHUHG XQGHU WKH PHPEHU V HPSOR\HU VSRQVRUHG KHDOWK EHQHILW SODQ 7HODGRF ZLOO QRW ELOO DQ\ LQVXUDQFH RU KHDOWK EHQHILW SODQ LQFOXGLQJ 0HGLFDUH 0HGLFDLG IRU VHUYLFHV SURYLGHG WR WKH FDUH UHFLSLHQW :KHQ UHJLVWHULQJ PHPEHUV ZLOO QHHG WR SURYLGH WKHLU ,' QXPEHU IRXQG RQ WKHLU PHGLFDO EHQHILW ,' FDUG 0HPEHUV WKHQ YHULI\ q7UXVWPDUN 6WDU 0DUNHWLQJ GPLQLVWUDWLRQr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
Coronavirus (COVID-19)Frequently Asked QuestionsWhat are symptoms of coronavirus(COVID-19)?The most common symptoms are fever, cough,and shortness of breath. Symptoms typicallyappear within two to 14 days after exposure.What should I do if I think I have COVID-19?Seek medical support. You should call aheadEHIRUH \RX JR WR D GRFWRUpV RƯFH RU HPHUJHQF\ room. Our providers can evaluate your risk andadvise you on next steps.How severe is it?Many cases seem to be mild. But the elderlyand those with pre-existing conditions (likeheart and lung diseases or diabetes) areespecially vulnerable.How can I get tested for COVID-19?Your provider will determine if you should betested or not based on your symptoms, exposureWR VRPHRQH ZKR KDV EHHQ FRQƬUPHG ZLWK COVID-19, or if you have recently traveledWR DƪHFWHG UHJLRQV RU OLYH LQ UHJLRQV ZKHUH it’s prevalent.How is COVID-19 spread?The virus is spread from person to person bydroplets from coughing and sneezing. You maybe at greater risk if you have recently lived inor traveled to regions where there are currentoutbreaks or if you come into contact withsomeone who has the virus.Currently, COVID-19 testing continues to belimited and is being prioritized for the mostvulnerable individuals with symptoms, those sickin the hospital with severe illnness, and healthcareZRUNHUV ƬUVW UHVSRQGHUV :H DUH QRW DEOH WR ZULWH lab orders for COVID-19 testing at this time.How do I protect myself and my family?Basic measures to stay healthy and reducethe risk of spread include washing your handsfrequently—for at least 20 seconds, maintainingsocial distance, and avoid touching eyes, nose,and mouth. Stay at home if you begin to feelunwell, even with mild symptoms.Learn more at Teladoc.com/Coronavirus 2020 Teladoc Health, Inc. All rights reserved. Teladoc and the Teladoc logo are registered trademarks of Teladoc Health, Inc., and may not be used without written permission. Teladoc does not replace the primary carephysician. Teladoc does not guarantee that a prescription will be written. Teladoc operates subject to state regulation and may not be available in certain states. Teladoc does not prescribe DEA-controlled substances, nontherapeutic drugs, and certain other drugs that may be harmful because of their potential for abuse. Teladoc physicians reserve the right to deny care for potential misuse of services. 471161576 04092020
Online Resourcesto Help You Control CostsTake full advantage of your employer-sponsored health benefit plan with the information below,including how to search from approximately 1.2 million in-network providers and more than8,700 hospitals nationwide within the Aetna Signature Administrators (ASA) PPO network.Small Business BenefitsLocating an In-Network ProviderAccess your online resourcesGet the most out of your benefits and help control costsby using in-network healthcare providers.Trustmark Small Business Benefits online resources areyour key sources for information to help you understandyour employer-sponsored health benefit plan. Log in atTrustmarkSB.com or bookmark us on your phone forquick and easy access to:Aetna Signature Administrators (ASA) PPO NetworkIt’s easy and convenient to locate an in-networkphysician or hospital online. Simply:1. Go to Aetna.com/ASA.2. Enter your location details and click “Search.”3. Select a provider type or use the type aheadfunction to find a provider.The site is specific to Aetna Signature Administrators(ASA) PPO Network; however, links from the site maydirect you to the Aetna public site which would includeinformation regarding other Aetna plans. View your benefitsSee current year and prior year claimsAccess claim formsPrint a temporary ID cardAccess your important documents in theDocument CenterHealth and wellness resourcesAccess pharmacy benefitinformation, if applicableWe’re here to serve youCustomer Service: 800.522.1246Hours: 8 a.m. to 6 p.m. ET (Monday through Friday)For the quickest service, have your member IDnumber available.Trustmark and Trustmark Small Business Benefits are trademarks of Trustmark Insurance Company. All other trademarks are the property of their respective owners, which arenot affiliates of Star Marketing & Administration, Inc., and Trustmark Life Insurance Company.Trustmark Small Business Benefits Plan design availability and/or coverage may vary by state. Self-funded plans areadministered by Star Marketing & Administration, Inc., and stop-loss insurancecoverage is provided by Trustmark Life Insurance Company. 2019 Star Marketing & Administration, Inc.400 Field DriveLake Forest, IL 60045TrustmarkSB.comT770-12-ee (sb)
Do I Need toGo to the ER?To make the most of your healthcare dollars, reserve hospital emergency roomvisits for serious or life-threatening conditions or injuries.Small Business BenefitsHere are ways for members of major medical benefit plans to get non-urgent medical care at the right price,without going to an ER where costs will be the highest:Primary care physician – Contact yourIn-Store Clinics – Located in pharmaciesprimary care physician with questionsabout non-urgent medical care or makean appointment.and other retail locations, these clinicsare lower-cost options for less complexconditions. The key advantage isconvenience, as wait times are generallyshort and no appointment is needed.Telemedicine – Through Teladoc telemedicine services, members consultwith a U.S. board-certified physicianvia phone call or video chat for nonemergency services.*Urgent or Immediate Care Centers –While these centers address manymedical issues that can be treated in adoctor’s office, they can also offer servicesnot generally found in a doctor’s office,such as X-rays and minor trauma care.For more information on cost savings, log in atTrustmarkSB.com Health and Wellness Ways to Save.*A Teladoc consult fee may apply and is subject to change during the plan year.Trustmark and Trustmark Small Business Benefits are trademarks of Trustmark Insurance Company. All other trademarks are the property of their respective owners, which are notaffiliates of Star Marketing & Administration, Inc., and Trustmark Life Insurance Company.Trustmark Small Business Benefits Plan design availability and/or coverage may vary by state. Self-funded plans areadministered by Star Marketing & Administration, Inc., and stop-loss insurancecoverage is provided by Trustmark Life Insurance Company. 2020 Star Marketing & Administration, Inc.400 Field DriveLake Forest, IL 60045TrustmarkSB.comB680-T500-446-ee (1-20)
Your PrescriptionBenefitTwo Convenient Ways to Fill PrescriptionsAt your local pharmacyYou can use your ID card at most chain andindependent pharmacies across the country. Find aparticipating pharmacy near you at Caremark.com.Through the CVS Caremark MailService PharmacyIf your doctor has prescribed a drug for you to take fora long time, you may be able to have a 90-day supplydelivered directly to your home or location of choicefrom our mail service pharmacy. When it’s time to geta refill, for fastest service you can order online or byphone anytime, day or night.We’ll Help You Save MoneyYour prescription benefit is designed to make yourdrugs more affordable. Check drug costs atCaremark.com to compare retail to mail, brand-namedrugs to generics, or explore ways to save with theCVS Caremark is the company selected to BENJOJTUFSyour prescription drug benefit. We work with yourbenefit plan sponsor to help you improve your health andmake informed health care decisions, as well as save moneyon your prescription drugs.We will help you fill your prescriptionstThrough our network of more than 64,000 retailpharmaciestBy delivering your long-term prescriptions directly toyou through the CVS Caremark Mail Service PharmacyWe will help support your safety and healthtBy filling your mail service prescriptions accuratelytBy making sure that the medications you receive are highquality, safe and what your doctor prescribedtBy reviewing your prescription history with everyprescription we fill to identify and prevent any potentialproblems such as unintended drug interactionsWe will help you and your benefit plan sponsorsave moneytBy encouraging the use of medically appropriategeneric and lower-cost brand drugstBy filling your long-term prescriptions through theCVS Caremark Mail Service PharmacytBy consulting your doctor when a lower-costalternative may be appropriate for your prescriptionsavings center.We’ll Answer Your QuestionsLog on to Caremark.com to view your prescriptionhistory, check order status, check interactions orask a pharmacist a question. Our Customer Carerepresentatives are also available seven days a weekto answer questions about your prescription order.We will help protect your privacytCVS Caremark employees follow detailed ethical standardsand a comprehensive Code of Conduct regarding yourpersonal health informationtOur pharmacists follow a professional Code of Ethicswww.caremark.com 201 Caremark. All rights reserved. 106-14632aI Making theMost of YourPrescriptionBenefit
Filling Your PrescriptionGetting your prescription filled is easy. Just presentyour ID card and prescription to your pharmacist atyour local participating retail pharmacy. Your cardis accepted at most major pharmacy chains and manyindependent pharmacies.You may also be able to have your long-termprescriptions delivered directly to your locationof choice by using the CVS Caremark Mail ServicePharmacy. This option may save you money on yourprescriptions as well as save you a trip to your localpharmacy. And, with CVS Caremark Mail Service,regular delivery is at no additional cost.Our mail service pharmacies are staffed by registeredpharmacists who perform the same safety checks asyour local pharmacist, including a review of yourprescription history. For help getting a prescriptionstarted through our mail service pharmacy, please logon to Caremark.com or call the toll-free Customer Carenumber printed on your ID card.Once you’ve ordered a prescription through our mail servicepharmacy, getting refills is even easier. For fastest service,order refills online at Caremark.com or call Customer Care.You can also use Caremark.com to track your prescriptionorders, learn more about drug side effects and healthconditions, find a local pharmacy, and explore ways to helpyou save money on the drugs your doctor has prescribed.Generics are available through your local pharmacyand through the CVS Caremark Mail Service Pharmacy.Log on to Caremark.com to compare pricing andcoverage or explore ways to save, based on your plan.Ask your doctor if there is a generic available for yourprescription or call Customer Care at the toll-freenumber printed on your ID card.Specialty PharmacyIf You Have Questions Every year, more people with chronic or genetic conditionsare being prescribed specialty or biotech medications.People taking these drugs often have complex healthconditions such as multiple sclerosis or hemophilia.CVS Caremark offers home delivery of specialty drugs andsupplies and provides personalized support to helpindividuals successfully manage their condition. Talk toyour benefit plan sponsor for a list of covered services, visitCaremark.com or call the toll-free Customer Care numberon your ID card to learn more about our specialty pharmacy.Visit Caremark.com or call Customer Care to getthe most from your prescription benefit. Whether yougo online or call our Customer Care representatives,we can help you save money on your prescriptions,order refills and have your long-term prescriptionsdelivered to your location of choice. You can also talkwith one of our pharmacists to answer questionsabout your prescriptions.Saving Money on Your PrescriptionsUsing generic drugs is one the best ways to lower yourprescription costs. Research shows that you can save anaverage of 30 percent to 80 percent in out-of-pocket costsby using a generic drug instead of a brand-name drug.1Generic medications are approved by the U.S. Food andDrug Administration (FDA). FDA approval means that ageneric medication has the same safety, quality, strengthand effectiveness as its brand-name equivalent. Infact, generic medications account for 65 percent of allprescriptions dispensed in the United States, yet only 20.5percent of all dollars spent on prescriptions.2CAREMARK.COM — YOUR PRESCRIPTIONFOR A HEALTHIER YOUAt Caremark.com, you’ll also find tools to helpyou save money and make the best decisionsabout your health care so you can:t Order the fastest refillst Check your benefit coveraget Manage family member access to ouronline systemt Check drug costt View prescription historyt Find a participating local pharmacyt Check interactionst Receive alerts and eNewsletterst Contact a pharmacistt Find health information1,2Generic Pharmaceutical Association Web site:www.gphaonline.orgTo get started, register today at BSFNBSL DPN #F TVSF ZPV IBWF ZPVS *% DBSE XJUI ZPV XIFO ZPV SFHJTUFS
CHILD AND FAMILY GUIDANCE CENTERPRE-TAX CONTRIBUTIONSHealth Savings AccountIf you enroll in the High Deductible Health Plan, you can voluntarily elect to make pre-tax contributions to aspending account to help pay for your eligible health care expenses. You must actively enroll and elect yourannual pre-tax contributions each year. Your Health Savings Account (HSA) contributions will
Child & Family Guidance Center provides 2 x annual salary (up to 200,000) at no cost to you. Disability Benefits Child & Family Guidance Center provides Short and Long-Term Disability benefits at no cost to you, should you be disabled for an extended period of time and unable to work.
