12.1 BGE New Hire Guide

EMPLOYEE BENEFITS GUIDE

January 1, 2017 - December 31, 2017

2017 BGE EMPLOYEE BENEFITS GUIDE

TABLE OF CONTENTS

Things You Need To Know……………………………………………………………………………………… Page 3
Eligibility and Enrollment………………………..………….…………...……………………………………… Page 4
Medical Benefits………………………………………………………………………………...………………… Page 5
Dental Benefits……………………………………………………………………………………………………. Page 6
Vision Benefits…………………………………………………………………………………………………….. Page 7
Flexible Spending Accounts (FSAs)…...……………………………………………………………………… Page 8
Health Savings Account (HSA)…………………………………………………………………………………. Page 9
Employee Contributions………………………………………………………………………………………… Page 10
Life Insurance Benefits………………………………………………………………………………………….. Page 11
Disability Benefits………………………………………………………………………………………………… Page 12
Life and Disability Rates………………………………………………………………………………………… Page 13
Employee Assistance Program………………………………………………………………………………… Page 14
HealthiestYou…………………………………………………………………………………………………….. Page 15
2ND MD…………………………………………………………………………………………………………….. Page 16
UHC Mobile App………………………………………………………………………………………………….. Page 17
Additional Benefits……………………………………………………………………………………………….. Page 18
Frequently Asked Questions…………………………………………………………………………………… Page 19
Important Contacts……………………………………………………………………………………………….. Page 20

THE FINE PRINT

The information contained in this summary should in no way be construed as a promise or guarantee of employment. The company reserves the
right to modify, amend, suspend, or terminate any plan at any time for any reason. If there is a conflict between the information in this brochure
and the actual plan documents or policies, the documents or policies will always govern.
Complete details about the benefits can be obtained by reviewing current plan descriptions, contracts, certificates, policies, and plan documents
available from the Benefits Portal. This Benefits Enrollment Guide highlights recent plan designs and is intended to fully comply with the
requirements under the Employee Retirement Income Security Act (ERISA) as a Summary of Material Modifications and should be kept with your
most recent Summary Plan Description.

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WELCOME TO BGE

Our people drive the success of our company and we want you to know that we value your contribution in achieving that goal.
BGE takes pride in offering a rich and diverse employee benefits package that gives you the opportunity to care for both you and
your family. Our goal is to provide an employee benefits package that supports and rewards your commitment to BGE.

Benefit Options Available

We provide several categories of benefit options from which our employees may choose to participate including:
 Health Care—Medical, Dental, Prescription Drug, and Vision Coverage
 Income Protection—Short and Long Term Disability, Basic Life and Accidental Death/Dismemberment Insurance, and

Voluntary Life Insurance for employees and dependents

Utilizing Health Benefits

We would like to take this opportunity to remind you that the choices you make when utilizing the health benefits offered by our
plans directly affect the cost of those benefits to both you and BGE.
To help us keep our plan costs low, make sure you schedule your annual physical and choose health care providers who
participate in the UnitedHealthcare Choice Plus network. You may also consider talking to your doctor about generic drugs and
using the UnitedHealthcare mail order drug program for your maintenance medication needs.

Contents of this Benefits Enrollment Guide

This Benefits Enrollment Guide includes valuable information regarding your benefits including benefit plan information and
important phone numbers and websites. Please review this information carefully before making your enrollment decisions.
Remember, the choices you make now will remain in effect until the next Open Enrollment period, unless you
experience a "Family Status Change" or “Life Event” as defined by the Internal Revenue Code.

Questions

If you have any questions regarding the information contained in the guide or would like more information on any of the benefits
provided by BGE, please contact the Human Resources Department.

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2017 BGE EMPLOYEE BENEFITS GUIDE

BENEFITS ELIGIBILITY & ENROLLMENT GUIDELINES

Who is Eligible? Qualifying Life Status Change Events

All full-time employees normally scheduled to work at least 30 Events described in IRS regulations allow you to
hours per week are eligible to participate in the BGE Benefits make a change to your benefit coverage if you
Program. You and your dependents are eligible for benefits experience any of the following:
the first of the month after your date of hire.  Marriage or divorce
 Death
Generally, for the purpose of the BGE Benefits Program,  Birth or adoption of a dependent
dependents are defined as:  Change in employment status
 Your legal spouse  Dependent satisfying or ceasing to satisfy the plan’s
 Your dependent “child” up to age 26
eligibility requirements
“Child” means the employee’s natural child or adopted child,  Loss of or significant change to your current coverage
and any other child as defined in the certificate of coverage.  Enrollment in/ceasing to be enrolled in Medicare or Medicaid
 Your disabled children of any age (see contract for further  Ceasing to be enrolled in Children’s Health Insurance
information)
Program (CHIP)
Making Election Changes During the Year
For questions regarding your benefits or
In most cases, your benefit elections remain in effect until the enrollment options, please contact:
next annual open enrollment period. You will not be able to
make any plan changes unless you experience a life status Human Resources
change. 281-558-8700

ONLINE ENROLLMENT THROUGH ULTIPRO

Begin the process by logging into your UltiPro account at: account, you may be required to enter a goal
ew41.ultipro.com. amount. Once that amount is reached, the
To select an open enrollment session: deduction is stopped.
1. From Myself, select Open Enrollment. The Open C. For basic life and AD&D and voluntary life
insurances, you will enter applicable beneficiary
Enrollment page will appear. Review the open enrollment information as well as percentages for primary and
session information and select Next. secondary beneficiaries. Primary beneficiaries
Note: You can enter and save information now and continue must total 100%; secondary beneficiaries must
the election at a later time by selecting the Draft button. total 100%.

To verify, add or change beneficiaries and dependents: To review and submit elections
1. View summary information 1. From the Confirm Your Changes page, review the
2. To edit information about a beneficiary or dependent, from
selected and declined benefit type and plan details
the Verify Beneficiary and Dependent Information page, including covered family members, plan
select the Name link. The Add/Change Contact page beneficiaries, and cost information.
appears. Edit the information as needed and select Save. 2. Return to the applicable page to make any
Then, select Next. changes, if needed.
3. To add a beneficiary or dependent, from the Verify 3. Select Draft to continue the election at a later time
Beneficiary and Dependent information page, select Add. or select Submit to complete your elections now. If
The Add/Change Contact page appears. Enter contact you select Submit, you cannot make any changes
information, as needed. Select Save. Then, select Next. without the assistance of your Benefits
To enroll in a plan Administrator. You can print the Confirm Your
1. Select or decline plan(s). Changes page. If you select OK, the Confirmation
2. Depending on the plan you choose, additional fields may page appears.
appear. You may be asked to complete the following: 4. Select Print to print a summary of your elections.
5. Select Close.
A. Select a benefit option such as employee only or
family. Enter additional required information, or a
decline reason.

B. For a flexible spending plan or health savings

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MEDICAL BENEFITS

BGE offers a choice between three medical plans. All plans are offered through UnitedHealthcare (UHC). The High
Deductible Health Plans (HDHP) include a higher deductible, but lower per paycheck premiums. With the HDHP plans you
are also eligible to enroll in a Health Savings Account (HSA), which allows you to set aside money pre-tax to pay for qualified
health care expenses. The Preferred Provider Organization (PPO) plan features a deductible, office visit copays,
prescription drug coverage and coinsurance for certain services.

While you have the option of seeing any provider you’d like, you will pay less out-of-pocket and receive a higher level of benefits
if you choose to utilize a provider in the UHC Choice Plus Network. To find a list of participating providers, please visit
www.myuhc.com and click “Find a Physician.”

UHC HDHP 80 HDHP 100 PPO

Choice Plus In-Network Out-of-Network In-Network Out-of-Network In-Network Out-of-Network
Network $2,000 $4,000 $2,000
$4,000 $8,000 $4,000 $4,000 $1,000 $1,000
Annual Deductible 80% 80% 100% $8,000 $2,000 $2,000
 Individual
 Family 80% 80% 60%

Coinsurance
Plan Pays

Out-of-Pocket Max $4,500 $8,000 $4,500 $8,000 $4,500 $5,000
 Individual $6,850 $16,000 $6,850 $16,000 $6,850 $10,000
 Family
You Pay: You Pay: You Pay:
Physician Office
Visits 20% after ded. 20% after ded. 0% after ded. 20% after ded. $0 40% after ded.
 PCP (To age 19) 20% after ded. 20% after ded. 0% after ded. 20% after ded. $20 copay 40% after ded.
 PCP (All others) 20% after ded. 20% after ded. 0% after ded. 20% after ded. $40 copay 40% after ded.
 Specialist

Preventive Care Covered at 100% 20% after ded. Covered at 100% 20% after ded. Covered at 100% 40% after ded.

Outpatient Lab 20% after ded. 20% after ded. 0% after ded. 20% after ded. 20% after ded. 40% after ded.
and X-ray
20% after ded. 20% after ded. 0% after ded. 20% after ded. $75 copay 40% after ded.
Urgent Care
20% after ded. 0% after ded. $250 copay
Emergency Room
20% after ded. 20% after ded. 0% after ded. 20% after ded. 20% after ded. 40% after ded.
Hospital 20% after ded. 20% after ded. 0% after ded. 20% after ded. 20% after ded. 40% after ded.
 Inpatient stay
 Outpatient Deductible then Deductible then Deductible then Deductible then $10/$35/$60 $10/$35/$60
$10/$35/$60 $10/$35/$60 $10/$35/$60 $10/$35/$60
surgery

Retail Drugs

(Up to a 31-day supply)

Tier 1/Tier 2/Tier 3

Mail Order Drugs 2.5 retail copay Not covered 2.5x retail copay Not covered 2.5x retail copay Not covered
after deductible after deductible
(Up to a 90-day supply)

Note: If you purchase a prescription drug product from an out-of-network pharmacy, you are responsible for any
difference between what the out-of-network pharmacy charges and the amount you would have paid for the same
prescription drug product as dispensed by an in-network pharmacy.

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2017 BGE EMPLOYEE BENEFITS GUIDE

DENTAL BENEFITS

Your dental benefits are provided through Lincoln Financial. The plan allows you the freedom to select any dentist, but you
pay less out-of-pocket when you choose an in-network provider. You can locate a dentist online at www.lincolnfinancial.com.

Dental Benefit PPO Plan Benefit Guidelines
Calendar Year Deductible
 Individual $50 Applies to Basic and Major services
 Family $150
Calendar Year Plan Maximum $2,000 per person Calendar Year Limit
Orthodontia Lifetime Maximum $1,500 per person Lifetime Limit
Type A Covered at 100%; Deductible Waived
Preventive Services Examination 2 times in 1 calendar year
Prophylaxis 2 times in 1 calendar year
Type B Full Mouth X-Ray
Basic Services 80% After Deductible Once every 36 months
Amalgam and Resin Composite Fillings 1 replacement per surface in 24 months
Root Canal
Periodontal Maintenance 1 per tooth per lifetime
2 periodontal treatments in 1 calendar year;
Type C Simple Extraction
Major Services 50% After Deductible includes 2 cleanings
Type D Crown Buildups/Post Core Wisdom teeth under 16 not covered
Orthodontia for Children
Fixed Bridges 1 in 10 calendar years
Dentures 1 in 10 calendar years
1 in 10 calendar years
50%; Deductible Waived Lifetime benefit pro-rated over a

24-month period

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VISION BENEFITS

The vision plan is offered through VSP. To access a listing of providers and to print a vision ID card for you and
your dependents, logon to www.vsp.com. Select “Provider Locator” to begin your search.

In-Network Benefits Description Copay

WellVision Exam Available every calendar year $10

Prescription Glasses $130 allowance for a wide selection of $25
Frames frames. 20% off amount over $130. Included in prescription glasses copay.
Available every other calendar year.
Lenses Included in prescription glasses copay.
Single vision, lined bifocal,
Lens Options lined trifocal. $0 copay
Contacts (Average 35%-40% off other lens options)
(Instead of glasses) Polycarbonate lenses for dependent
Contact Lens Exam children. $0 copay
(Fitting and evaluation) Up to $60
Available every calendar year.

Progressive, anti-reflective,
scratch-resistant

$130 allowance for contacts;
copay does not apply.

Available every calendar year.

Available every calendar year.

Extra Savings and Glasses and Sunglasses: 30% off additional glasses and sunglasses, including lens op-
Discounts tions, from the same VSP doctor on the same day as your WellVision Exam. Or, get 20% off
from any VSP doctor within 12 months of your last WellVision Exam.
Retinal Screening: Guaranteed pricing on retinal screening as an enhancement to your
WellVision Exam.

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2017 BGE EMPLOYEE BENEFITS GUIDE

FLEXIBLE SPENDING ACCOUNTS (FSAs)

A Flexible Spending Account (FSA) is an account you Dependent Care FSA
establish to pay health and dependent care expenses with
pre-tax dollars. The IRS makes these monies exempt A Dependent Care FSA allows you to use
from payroll taxes resulting in more disposable income for pre-tax dollars for dependent expenses that allow you (and
you. your spouse, if you are married) to work, look for work, or
attend school full-time. Those expenses might include
Health Care FSA daycare for your child under 13 years old or your spouse who
is physically or mentally incapable of self-care. You may set
You are eligible to enroll in the Health Care FSA if you are aside up to $5,000 each calendar year. If you are married but
not covered under the HDHP. In 2017, you may contribute a file an individual tax return, you may contribute up to $2,500.
maximum of $2,500 to this account to cover the costs of The Dependent Care FSA can be used along side the HSA for
medical expenses not covered by your health plan. dependent care expenses. For more information on your
Examples of eligible expenses include copays, deductibles, Dependent Care FSA, refer to the Flex Benefit Administrators
coinsurance, and prescription medications. website at www.fbaflex.com.
Please note, you must obtain a prescription from your This account is an alternate to the dependent care tax credit
provider for reimbursement of most OTC medications with the that you can claim on your federal tax return. Consult with
exception of diabetic supplies and insulin. your tax advisor to determine which arrangement is best for
you.

A complete listing of eligible and ineligible flexible spending account
expenses can be found at www.irs.gov. Search for publications 502 and 503.

Important FSA Rules

Plan Year Coverage: To participate in the FSA, you must re-elect coverage every year.
Use-It-or-Lose-It: You will forfeit any contributions not used. Plan carefully: estimate your eligible expenses and file
claims promptly.
Claim Deadlines: You may incur Health Care and Dependent Care FSA expenses through the plan year January 1 to
December 31. All claims must be submitted within 90 days after the plan year.
No Changes: You cannot cancel or change the amount of your contribution unless you have a life change event.
If You Leave BGE: Both FSA plans will allow you 90 days to submit expenses incurred prior to your termination date.
Health Care FSA may be continued through COBRA. If you do not have claims to submit prior to your termination date, your
monies will be forfeited.
Please note: A new election is required if you are interested in continuing the FSA in the upcoming plan year. Your
current elections will not automatically roll over.

Remember! Always save receipts. You may be asked to submit receipts to verify that
some of your expenses comply with IRS guidelines. Your receipt must show the
merchant or provider name, service received or item purchased, date and
amount of the expense.

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HEALTH SAVINGS ACCOUNT (HSA)

An HSA is a tax-exempt savings account you establish exclusively for the purpose of paying for qualified medical expenses.
HSAs are only available to individuals who are enrolled in a High Deductible Health Plan (HDHP). HSA dollars can be used to
pay for medical and prescription drug expenses that are applied toward deductibles, over-the-counter medications if
purchased with a prescription, and non-covered medical, dental, and vision expenses, all subject to IRS guidelines. HSA
dollars may only be used for expenses incurred while covered under an HDHP and after your HSA bank account is
opened. BGE will contribute $500 for Employee Only and $1,000 for Family coverage to your HSA if you participate in
one of the HDHP plans.

Use Your Funds With a Debit Card Contributing and Using HSA Funds

Your HSA works like a savings account. You decide Contributions to your HSA come from two sources– you
whether to use the funds to pay for health care expenses and your employer. All the money in your account is yours
out of your pocket or from your HSA using a convenient to spend on qualified health care expenses or to save for
debit card provided by Optum Bank. future expenses. The maximum amount that can be
contributed to your HSA in 2017 is $3,400 for individual-
Qualified Expenses only coverage or $6,750 for all other levels of coverage.
Remember that anyone age 55 and older can contribute an
You can use your HSA for out-of-pocket expenses that additional $1,000 annually.
would generally qualify for the medical, dental, and vision
income tax reduction. HSA Rules

Some qualified expenses include: The HSA has many benefits. It also has some important
 Deductibles rules.
 Office visits
 Prescription drugs 1 Annual Limits
 Hospital stays and lab work The IRS limits the amount you can contribute to an
 Speech/occupational/physical therapists HSA each year. These limits may change each
 Dental care year. It’s your responsibility to ensure your
 Vision care contributions don’t exceed the annual limit. Tax
 COBRA premiums penalties may apply on excess contributions.
 Long term care insurance
2 Dependents’ Participation
For a full list of qualified expenses, visit: If you elect family coverage under the medical plan,
www.irs.gov/pub/irs-pdf/p502.pdf your spouse and other dependents cannot have
other health care coverage that is not an HDHP.
HSAs by the Numbers
3 Not Everyone Can Open an HSA
100% How much of your HSA balance All regular, full-time employees working at least 30
100% automatically rolls over year-to-year. hours per week are eligible to enroll in the HDHP
How much of your HSA balance you can plan. However, you will not be eligible to open an
take with you if you leave the company. HSA if you are:
 Enrolled in another medical plan, unless it is high
100% How much of the money in your HSA deductible.
grows tax-free.  Enrolled in Medicare
 Enrolled in a Healthcare FSA
 Not a US resident
 Eligible to be claimed as a dependent on
someone’s tax return
 Active military
 A veteran who has received veteran’s benefits in
the last 3 months

Taxes you pay on the money you 4 Administered by Optum Bank
$0 contribute to the HSA or withdraw for The HSA must be opened prior to BGE or employee
contributions are deposited. Visit
qualified expenses (see above). www.optumbank.com to set up your account.

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2017 BGE EMPLOYEE BENEFITS GUIDE

EMPLOYEE PAYROLL CONTRIBUTIONS

Medical HDHP 80 HDHP 100 PPO

Coverage Level Monthly Semi-Monthly Monthly Semi-Monthly Monthly Semi-Monthly
$125.31 $62.66 $141.61 $70.80 $211.34 $105.67
Employee Only $288.18 $144.09 $325.67 $162.83 $485.62 $242.80
Employee + Spouse $239.20 $119.60 $270.30 $135.15 $403.07 $201.53
Employee + Child(ren) $400.96 $200.48 $453.10 $226.55 $675.64 $337.82
Employee + Family

Dental Monthly Lincoln
$16.30 Semi-Monthly
Coverage Level $34.88 $8.15
$43.11 $17.44
Employee Only $53.09 $21.56
Employee + Spouse $26.55
Employee + Child(ren)
Employee + Family

Vision Monthly VSP
$3.62 Semi-Monthly
Coverage Level $5.78 $1.81
$5.90 $2.89
Employee Only $9.52 $2.95
Employee + Spouse $4.76
Employee + Child(ren)
Employee + Family

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LIFE INSURANCE BENEFITS

Basic Life and AD&D - BGE Paid

BGE provides a Basic Life and Accidental Death and Dismemberment (AD&D) benefit of 2x your annual earnings (to a
maximum of $100,000) to eligible employees.
The Life insurance benefit will be paid to your designated beneficiary in the event of death while covered under the plan. The
AD&D benefit will be paid in the event of a loss of life or limb by accident while covered under the plan. This benefit is
provided through Prudential.

Voluntary Life and AD&D - Employee Paid

In addition to the Basic Life benefit you have the option to elect additional coverage for you and your eligible dependents.
Please review the table below regarding the benefit options. The cost will depend on your age and the elected benefit amount.

Voluntary Life Increments of $10,000
Employee 7x your annual salary or $500,000
Benefit Maximum $200,000
Guarantee Issue

Spouse Increments of $5,000
Benefit Maximum $250,000 (Cannot exceed 100% of employee coverage amount)
Guarantee Issue $25,000

Child(ren) $10,000
Guarantee Issue $10,000
Please note: Regardless of the number of children, the max
election amount is $10,000.

*Guarantee Issue only applies to new hires, all other elections require an EOI form be submitted to Prudential for approval.

Important Things to Consider Regarding Your Life Insurance

 Remember to update your beneficiary annually.
 You MUST elect coverage for yourself in order to enroll in the dependent life benefits.
 The rate for your spouse is based on YOUR age.
 During Open Enrollment, employees who are currently enrolled in coverage may increase their current benefit amount by

up to $40,000 (in $10,000 increments) without submitting Evidence of Insurability. The total elected amount may not
exceed the lesser of 7x annual salary or $500,000.
 You will be required to submit Evidence of Insurability if:

 You declined voluntary life for you or your dependents during your initial eligibility period and would like to enroll
for coverage now.

 You elect to increase your current election in excess of the Guarantee Issue amount.
 Upon termination of employment, you may convert your coverage to a Prudential individual life insurance policy.
 If you are terminally ill, you may be eligible for a partial payment of your life insurance benefit. In the event of your

death, your beneficiary will receive a benefit payout which has been reduced by the amount you received as an
“Accelerated Death Benefit.”

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2017 BGE EMPLOYEE BENEFITS GUIDE

DISABILITY COVERAGE

Short Term and Long Term Disability Coverage

Disability insurance is designed to cover a portion of your salary when you are unable to work due to an accident or illness.
The Short Term Disability (STD) and Long Term Disability (LTD) plans are offered and available to you. You have the
choice of having your STD and LTD benefits paid 100% by BGE and being taxed upon the benefit payout, or you can pay
100% of the premium and receive 100% of the benefit upon payout. Please review the brief description below. These plans
are offered through Prudential.

Voluntary Short Description Voluntary Description
Term Disability Long Term
Disability

Waiting Period 30 days for Injury Benefit 90 days from the date the disability
30 days of Illness Waiting begins
Period

Weekly Benefit 60% of your weekly earnings (not Monthly 60% of your monthly earnings (not in-
Minimum inclusive of bonus or overtime pay) Benefit clusive of bonus or overtime pay)
Weekly Benefit Maximum
$50 Monthly $5,000; Reduced by other sources of
Benefit income (including benefits from Social
Security, Workers’ Compensation, un-

employment, and other income)

Maximum $1,000 Maximum Until you are no longer disabled, or
Weekly Benefit Benefit when you reach Social Security Normal
Duration
Retirement Age

Maximum 9 weeks Pre-Existing 3/12*
Benefit Duration Condition
Limitation

*A pre-existing condition is an injury or sickness for which you have received medical
treatment, consultation, diagnostic measures, prescribed drugs or medications or for
which you followed treatment recommendations during the 3 months prior to your
effective date of overage. STD or LTD benefits will not be paid for a disability that
begins during the first 12 months of coverage, and are due to a pre-existing condition.

Difference Between BGE Paid and Employee Paid

BGE-Paid Short Term Disability $40,000 Employee-Paid Short Term Disability $40,000
Annual Salary $769 Annual Salary $769
Weekly Salary $92 Weekly Salary
20% Tax on Benefit Payout $369 No Tax on Benefit Payout $462
Weekly STD Benefit
Weekly STD Benefit

BGE-Paid Long Term Disability $40,000 Employee-Paid Long Term Disability $40,000
Annual Salary $3,333 Annual Salary $3,333
Monthly Salary $400 Monthly Salary
20% Tax on Benefit Payout $1,600 No Tax on Benefit Payout $2,000
Monthly LTD Benefit Monthly LTD Benefit

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LIFE AND DISABILITY RATES

Semi-Monthly Voluntary Life Employee/Spouse cost per Voluntary Life Calculation
Employee Age $1,000 of coverage
$0.045  Indicate the elected coverage amount
20-24 $0.045  Divide that amount by $1,000
25-29 $0.055  Multiply that amount by the age banded rate to the
30-34 $0.060
35-39 $0.085 left
40-44 $0.130
45-49 $0.200
50-54 $0.325
55-59 $0.410
60-64 $0.635
65-69 $1.030
70-74 $.50 semi-monthly
$10,000 child life

Annual Salary Short Term Disability Long Term Disability

$15,000 Weekly Benefit Semi-Monthly Cost Monthly Benefit Semi-Monthly Cost
$20,000
$25,000 $173.08 $0.74 $750.00 $1.25
$30,000
$35,000 $230.77 $0.99 $1,000.00 $1.67
$40,000
$45,000 $288.46 $1.24 $1,250.00 $2.08
$50,000
$55,000 $346.15 $1.49 $1,500.00 $2.50
$60,000
$65,000 $403.85 $1.74 $1,750.00 $2.92
$70,000
$75,000 $461.54 $1.98 $2,000.000 $3.33
$80,000
$85,000 $519.23 $2.23 $2,250.00 $3.75
$90,000
$95,000 $576.92 $2.48 $2,500.00 $4.17
$100,000
$634.62 $2.73 $2,750.00 $4.58

$692.31 $2.98 $3,000.00 $5.00

$750.00 $3.23 $3,250.00 $5.42

$807.69 $3.47 $3,500.00 $5.83

$865.38 $3.72 $3,750.00 $6.25

$923.08 $3.97 $4,000.00 $6.67

$980.77 $4.22 $4,250.00 $7.08

$1,000.00 $4.30 $4,500.00 $7.50

$1,000.00 $4.30 $4,750.00 $7.92

$1,000.00 $4.30 $5,000.00 $8.33

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2017 BGE EMPLOYEE BENEFITS GUIDE

EMPLOYEE ASSISTANCE PROGRAM

Program Highlights Go online to get trusted information regarding relationships,

Your Employee Assistance Program (EAP) is a confidential work, school, children, wellness, legal or financial issues, and
assistance program to help address the personal issues you more. Turn to GuidanceResources® online for:
and your dependents are facing. The EAP is staffed by  Timely articles, tutorials, videos, and self-assessments

experienced clinicians and allows unlimited telephonic support  “Ask the Expert” personal responses to your questions
from a counselor who can provide immediate help with issues  Searches for child or elder care, attorneys, and financial
of concern and help connect you with support groups and planners
resources in your community for ongoing help.

Confidential Counseling The EAP is available 24 hours a day, 7 days a
week.
Trained counselors with a master’s or doctoral degree are just Call 800-311-4327
a phone call away. They’ll listen to your concerns and quickly or visit: guidanceresources.com and enter
refer you to appropriate resources and providers for: your company Web ID: GEN311
 Stress, anxiety, and depression
 Credit card or loan problems
 Difficulties with children
 Job pressures
 Grief and loss
 Substance abuse

Financial Information and Resources

Contact a certified financial professional for financial advice,
including:
 Getting out of debt
 Credit card or loan problems
 Tax questions
 Retirement planning
 Estate planning
 Saving for college

Legal Support

Talk to an attorney by phone about:
 Divorce and family law
 Debit and bankruptcy
 Landlord/tenant issues
 Real estate transactions
 Civil and criminal actions
 Contracts
If you require representation, you can be referred to a qualified
attorney in your area for reduced fees.

Online Resources and Tools

14

Your healthcare just got a whole lot easier!

Don’t forget, as part of ACEC Life/Health Trust
you get access to HealthiestYou.

Talk to a doctor anytime from anywhere over the phone or from the
mobile app!!

FREEDOCTOR CONSULT DOCTOR CONSULT only $40
FEE FOR THE HSA PLAN
FEE FOR THE PPO PLAN

24 X 7 UNLIMITED DOCTOR ACCESS

Are you sick? Call HealthiestYou rst! Our physician network can diagnose, treat, and prescribe,
anytime, anywhere. Really! Registering and using the service to be simple. All you need to
have handy is the primary member’s last name, date of birth, and zip code when you call the doctor.

PRESCRIPTION SAVINGS LOCATE PROVIDERS

Need a prescription? Our geo-based Need to serach for a doctor, dentist, or
prescription search engine can save you up other provider? Our app knows best and
to 85% on your prescription and will often will easily lead you through the process.
beat your co-pay. You can even reserach your doctor rst!

Be sure to download the app today! No internet Access? Call a doctor. For more info about this awesome benefit:

855-474-8800 healthiestyou.com

HEALTHIEST YOU IS NOT HEALTH INSURANCE AND WE ENCOURAGE ALL MEMBERS TO MAINTAIN ADEQUATE INSURANCE FROM A RESPONSIBLE PROVIDER. HEALTHIEST YOU IS DESIGNED TO COMPLEMENT, AND
NOT REPLACE THE CARE YOU RECIEVE FROM YOUR PRIMARY CARE PHYSICIAN. HEALTHIESTYOU PHYSICIANS ARE INDEPENDENT NETWORK OF DOCTORS WHO ADVISE, DIAGNOSE, AND PRESCRIBE AT THEIR OWN
DISCRETION. PHYSICIANS PROVIDE CROSS COVERAGE AND OPERATE SUBJECT TO STATE REGULATIONS PHYSICAINS IN THE INDEPENDENT NETWORK DO NOT PROSCRIBE DEA CONTROLLED SUBSTANCES. NON-

THERAPEUTIC DRUGS AND CERTAIN OTHER DRUGS WHICH MAY BE HARMFUL BECAUSE OF THEIR POTENTIAL ABUSE. HEALTHIEST YOU DOES NOT GUARANTEE THAT A PRESCRIPTION WILL BE WRITTEN.

www.healthiestyou.com customer service 855-894-9627 designed with love in scottsdale, az

You now have access to
the world’s best doctors.

Speak with a world-renowned specialist via video or phone in just 3 days!

WHEN TO USE SPECIALISTS FROM:
Get a 2nd opinion when facing a new diagnosis,
possible surgery or medication change. + Massachusetts General
+ Johns Hopkins
HOW TO USE + Dana-Farber Cancer Institute
To get started, please visit www.2nd.md or call + Mayo Clinic
1.866.841.2575 to activate your account today! + Cleveland Clinic
+ UCLA Health System
THINGS TO REMEMBER + Boston Children’s
2nd.MD® is confidential, secure and free for + Hospital for Special Surgery
you and your covered dependents.
and many more!

Disclaimer: 2nd.MD does not replace your relationship with your doctor. We do not give prescriptions or physical evaluations. We do not practice medicine.
If you have an emergency, please call 911. ©2014 2nd.MD. All rights reserved.

Your family’s health care
resources, in your hands.

UnitedHealthcare Health4Me™ provides instant access to your family’s critical
health information – anytime and anywhere. Whether you want to find a physician
near you, check the status of a claim or speak directly with a health care
professional, Health4Me is your go-to resource.

It’s responsive. It goes where you go.

The Easy Connect service lets us Use the location search feature
know of anything you may need help to find a physician or facility near
with. A representative will get back you. Whether you need a specialist
to you with information about claims, or general practice doctor, the largest
benefits and more – and you don’t selection of network doctors is at
have to wait on hold. your command.

It simplifies. It’s personal.

myHealthcare Cost Estimator From emailing your health plan ID card
makes your health decisions easier information to checking on medical
by helping you compare procedure, spending accounts, Health4Me is the
provider, price and place. resource that is designed to work for
you. You can rest assured that your
information is absolutely confidential.

Key features include*

uuSearch for physicians or uuView and share health plan uuLocate nearby convenience
facilities by location or specialty ID card information clinics, urgent care facilities
and emergency rooms
uuStore favorite physicians uuContact an experienced registered
and facilities nurse 24/7 uuCheck status of deductible and
out-of-pocket spending
uuView claims uuAccess and update your Personal
uuHave an Easy Connect Health Record uuComplete confidentiality
uuAccess and update your Personal
representative contact you uuCheck health-related financial
to answer any questions account balances Health Record
uuPersonalize with notes and

reminders

Android available in

All UnitedHealthcare members can access a cost estimator online tool at myuhc.com®. Depending on your specific benefit plan and the ZIP code that is entered, either the myHealthcare Cost
Estimator or the Treatment Cost Estimator will be available. A mobile version of myHealthcare Cost Estimator is available in the Health4Me mobile app, and additional ZIP codes and procedures will
be added soon. This tool is not intended to be a guarantee of your costs or benefits. Your actual costs and/or benefits may vary. When accessing the tool, please refer to the Terms and Conditions of
Use and Why Your Costs May Vary sections for further information regarding cost estimates. Refer to your health plan coverage document for information regarding your specific benefits.

App Store is a service mark of Apple, Inc. Android is a trademark of Google, Inc.

*Some features may not be available for all employer plans.

Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates. Administrative services provided by United HealthCare Services, Inc. or their affiliates. Health plan
coverage provided by UnitedHealthcare of California, UnitedHealthcare of Colorado, Inc., UnitedHealthcare of Oregon, Inc., and UnitedHealthcare of Washington, Inc. or other affiliates.

100-11363 10/13 ©2013 United HealthCare Services, Inc.
UHCEW630789-001

2017 BGE EMPLOYEE BENEFITS GUIDE

MEDICAL BENEFITS

Care24 Services

Care24 Services offers you access to a wide range of health and well-being information—7days a week, 24 hours a day.
Using one toll-free phone number, you can speak with registered nurses and master’s level counselors who can help you with
almost any problem, from medical and family matters to personal legal, financial, and emotional needs.
Care24 Services also provides access to an audio library of more than 1,100 health and well-being topics. To listen to your
message of choice, press * to speak with a nurse. That nurse can provide you with information on your requested topic and a
three digit PIN to access the recording.
If your situation requires face-to-face resources, a Care24 representative can refer you to a local professional.

To Contact Care24 Services:
Call 888-887-4114.

Health Discount Program

The UHC Health Discount Program helps you and your family save money on many health and well-being purchases not
included in your standard benefit plan. As an enrolled health plan member, you can save even more money by using your
health discount program for:
 Dental care - cosmetic procedures such as teeth whitening
 Vision care - laser eye surgery
 Alternative care - acupuncture, chiropractic care, massage therapy, and natural medicine
 Health supplies - diabetic, medical supplies, beauty and skin care, vitamins, and supplements
 Long-tem care - skilled nursing facilities, assisted living, durable medical equipment
 Hearing devices
 Weight management - Jenny Craig®, Nutrisystem®, and other popular programs
 Nutrition counseling
 Fitness clubs
 Smoking cessation programs
How to Receive Your Discounts
No referrals are required and there are no claim forms to submit. To locate participating health care professionals,
programs, and online retailers, visit www.myuhc.com and click on “Health and Wellness.” Then, scroll down and click on
“Health Discounts.”

18

FREQUENTLY ASKED QUESTIONS

What is a Deductible? What is an Explanation of Benefits What is the difference between
A deductible is the amount of money you (EOB)? generic and brand name drugs?
or your dependents must pay toward a An EOB is a description the insurance The difference between generic and
health claim before your insurance company sends to you explaining the brand name medications lies in the
company makes any payments for health care charges that you incurred and name of the drug and the cost. Generic
health care services rendered. For the services for which your doctor has drugs cost much less than brand name
example, if you have a $1,000 requested payment. You should compare drugs, saves you money, and provides
deductible, you would be required to pay your EOB to the bill you receive from the
the first $1,000, in total, of any claims doctor. All data on your EOB should
during that calendar year. match the information that appears on the
statements you receive from your doctor.
If it doesn’t, contact the doctor’s office
What is Coinsurance? immediately. the same health benefits.
Coinsurance is the amount expressed as What is the benefit of Mail Order
a percentage of covered health services What is Preventive Care? Drugs?
that you must pay after you have Preventive care is proactive, Mail order drugs are perfect for patients
satisfied your plan deductible. comprehensive care that emphasizes who take medication on an ongoing
What is Out-Of-Pocket Maximum? prevention and early detection. This care basis. Examples are high blood pressure
The maximum amount (deductible and includes physical exams, immunizations, medication, high cholesterol medication,
coinsurance) that an insured will have to well woman and well man exams. Be sure insulin and birth control. Mail Order
pay for covered expenses under a plan. your child gets routine checkups and drugs are convenient because they are
Once the deductible and out-of-pocket vaccines as needed, both of which can delivered to your door step which
limit is reached, the plan will cover prevent medical problems (and bills) down relieves the stress of standing in line at
eligible expenses at 100%. the road. Also, adults should get the pharmacy.
When do I pay a Copayment? preventive screenings recommended for When am I eligible for a Shingles
Expect to pay a copayment for doctors their age to detect health conditions early. Vaccination?
visits, emergency room visits and urgent Watch for a RED FLAG. Preventive is The shingles vaccine is covered under
care center visits. covered 100%. This includes the your plan without age limits, however,
How do I know when to go to an copayment. If your doctor’s office wants please note that this shot will need to be
Urgent Care Center vs. the to charge you a copayment something is administered by a Primary Care
Emergency Room? not coded correctly. Discuss it with your Physician to be covered under an office
physician’s office at the time to avoid visit copay. If you received this
issues later. vaccination at the pharmacy, coverage is
only up to the allowed amount, which
If you need medical care when your you would then be responsible for any
regular doctor is not available, think When Preventive Care turns into amount over the covered amount.
about going to an urgent care center. Diagnostic, how does my coverage
The urgent care center should be used change? Know Your Employee Benefits is written and
for minor emergencies (fever, cough, If a diagnosis is a result of the preventive produced for USI Southwest. © Zywave, Inc.
pain, etc.) when your physician’s office is care services, your service will no longer
closed and your symptoms are too be covered at 100%. Depending on the
severe to wait until the office reopens or services, your coverage would either
when you are out of town. The require a copay or apply to deductible and
copayment is less for the urgent care coinsurance.

center than the ER and getting care at What should I ask my doctor?
the urgent care center will most certainly Amazingly, many patients do not ask their
be faster than an ER visit. Emergency doctor basic questions. “How much will
rooms should only be used for true my treatment cost?” “Can I be treated
emergencies such as broken bones, another way that is equally effective but
vigorous bleeding or severe pain. less costly?” “What are the risks?” “What
The next time you are faced with are the side effects?” Having a dialogue
deciding where to go, be sure to with your physician can help you better
evaluate all your options, call the Nurse understand how his or her care decisions
Line and choose the setting that best affect your health plan costs. It will also
suits your illness or injury. Of course, in help your doctor get to know you better,
a true emergency, seek the appropriate and consequently prescribe treatment
care without delay. that is more effective.

19

IMPORTANT CONTACTS

Benefit Contact / Group # Phone Website / Email Address
Medical UnitedHealthcare ACEC 800-996-6596 www.myuhc.com
Dental
Vision Group #906463

Life Insurance Lincoln Financial 800-423-2765 www.lincolnfinancial.com
Group ID: BROWNGAY2
Disability Insurance
FSA VSP 800-423-2765 www.vsp.com
HSA Group #459281
Life Claims/WOP: www.groupinsurance.prudential.com/
NurseLine Prudential 800-524-0542 view/page/group/31904
Care24 Services Group #52498
Mental Health Services Life Conversion:
Prudential 877-889-2070
2nd.MD Group #52498 Underwriting:
HealthiestYou 888-257-0412
Human Resources
Portability Unit:
800-778-3827

800-842-1718 www.prudential.com/mybenefits

Flex Benefit 713-460-FLEX www.fbaflex.com
Administrators

Optum Bank 866-234-8913 www.optumbank.com
UnitedHealthcare 800-401-7396
www.myuhc.com
ACEC 888-887-4114 www.myuhc.com
Group #906463 800-842-2065 www.2nd.md/bge
UnitedHealthcare 866-841-2575 www.healthiestyou.com
855-474-8800
ACEC 281-558-8700
Group #906463
UnitedHealthcare
Group #906463

BGE