2023 Benefits Open Enrollment Brochure - Parkview Signature Care

2023
BENEFITS
OPEN ENROLLMENT

2023OPEN ENROLLMENT

Each year, our benefits team assesses and adjusts our health plan to ensure we can continue to provide you with
access to cost-effective, quality care for years to come. For 2023, we’ve made a few adjustments to maintain our
cost sharing target and continue providing our team with great health benefits.

Healthcare Coverage 2023 PLAN HIGHLIGHTS

Effective January 1 Consumer Directed Plan (CDP)
There is an increase to the individual
Prescription Coverage: and family deductibles. The plan
CVS Caremark remains premium-free and the HSA
contribution by Do it Best ranges
CVS Caremark is our pharmacy provider. from $500 to $2,000. Out-of-pocket
Their network extends far beyond CVS pharmacies. See their maximums remain unchanged.
provider list for more details. Their formulary list has also been >> MORE INFORMATION ON
updated for 2023. Compare your prescriptions to this new list
so you are aware of any branded drugs that have been moved to PAGE 10
generic options.
>> MORE INFORMATION ON PAGE 3 Preferred Provider Option (PPO)
There is an adjustment to PPO
Provider Network: premium and deductibles. Office
Parkview Signature Care visits and prescription co-pays
Parkview Signature Care, our remain unchanged.
in-network provider, continues to >> MORE INFORMATION ON
offer broad access to a variety of healthcare services
throughout the community. PAGE 12
>> MORE INFORMATION ON PAGE 4
Dental and Vision
Claims Processor: Dental and vision reimbursement
Unified Group Services levels are unchanged and
Unified Group Services
Unified Group Services, based in processes these claims.
Indiana, processes all claims for medical, dental, vision, and >> MORE INFORMATION ON
prescription drug benefits.
>> MORE INFORMATION ON PAGE 8 PAGE 14

2

2023 PRESCRIPTION Compare Prices
COVERAGE Prescription drug prices are unregulated and can
vary from pharmacy to pharmacy. That’s why the
Freedom to choose your pharmacy CVS Caremark app is an important tool to help you
select the best price for each new medication or refill.
You can process your prescriptions at any There are also a growing number of other free apps
pharmacy in our network. CVS Caremark that offer special pricing and discounts to save even
contracts with 68,000 pharmacies nationwide. more. See page 16 for additional ways to stretch your
Using an in-network pharmacy ensures you healthcare dollars.
don’t overpay.
Save with digital tools
You also have the option to use the mail Save time, keep costs down, and stay on top
service pharmacy which can deliver up to of your prescriptions. You can do it all at
90-day supplies of medication you take Caremark.com and the CVS Caremark mobile app
regularly—with no delivery fee! on Google Play or on the App Store.
• Easily locate an in-network pharmacy to keep
Mail Service Pharmacy
prescription costs as low as possible
Sign in to Caremark.com and click on Start • See if your medication is covered and ensure
Rx Delivery by Mail under the Prescriptions
menu. Or ask your doctor to send a new 90- you’re getting the most affordable option
day prescription to CVS Caremark Mail Service • Compare costs to see where you can save
Pharmacy. • Sign up to get emails or text messages about

Any automatic refill settings will not be your prescriptions and more
transferred. You can set up automatic refills and • Request refills and keep track of prescriptions
renewals by signing in to Caremark.com and
clicking on Manage Automatic Refills under the for you and your family
Prescriptions menu after your coverage begins
on January 1. 2023 Open Enrollment | 3

2023PARKVIEW
SIGNATURE CARE

Do it Best has always leveraged group buying power on behalf of our member-owners to obtain competitive
pricing for the products we sell. We apply that same principle to managing our overall healthcare costs.
By consolidating our primary care services through Parkview Signature Care, we’re able to negotiate much
more effectively to maintain a fair cost sharing between the company and every covered team member,
eligible spouses and dependents.

Parkview Signature Care
Parkview Signature Care represents a network of providers that partners
with local companies to help them manage healthcare costs while building
healthier communities. The cornerstone of Signature Care’s network
is Parkview Health and its affiliated healthcare providers in Fort Wayne
and the surrounding area. In addition, other Indiana and Ohio healthcare
providers, hospitals, and ancillary providers have contracted with
Signature Care as preferred providers. All contracted healthcare providers
have agreed to offer their services at competitive rates to Do it Best staff
covered by a Signature Care plan.

>> Wondering how to stay in-network while you’re on vacation or which doctors

4 to recommend to your college kids? Read more on page 18.

PARKVIEW SIGNATURE CARE

Delivering Quality Care Parkview OnDemand provides 24/7 access by
phone or video to board certified doctors who
Signature Care coverage includes state-of-the-art can diagnose, treat and write prescriptions for
hospitals and clinics, as well as top primary care non-emergent health issues ($49, not applicable
and specialty physicians. Parkview’s specialty to annual deductible). These and other web-
centers―Parkview Heart Institute, Parkview based services are available to you through
Stanley Wissman Stroke Center, Parkview Ortho Signature Care.
Hospital, and Parkview Trauma Centers—are
consistently recognized for high-quality care by Bringing You Value
national healthcare assessment organizations. The
world-renowned Cleveland Clinic is also part of the Through Signature Care, you are receiving
Signature Care network. competitive pricing on all healthcare expenses
when using in-network Parkview providers.
Offering Local Access
Professional Case Management
In-network hospitals, physicians, walk-in clinics,
and other healthcare providers are conveniently Signature Care case management professionals
located across Indiana and throughout specialize in educating team members who have
northwest Ohio. recurring illnesses. They can help you navigate
a complex healthcare system with the goal of
Technology Made Easy managing chronic disease and acute illness. These
local, Parkview-employed case managers have a
Parkview has made significant investments unique awareness of resources in our community,
in technology to give you greater access to and have professional relationships with local
quality care. Parkview MyChart is a secure physicians and specialists.
and confidential website that allows you to
communicate directly with your physician’s office
and access your healthcare records at any time.

2023 Open Enrollment | 5

2023WHAT TO DO

MY HEALTHCARE PROVIDER IS NOT
CURRENTLY THROUGH PARKVIEW

If your primary healthcare provider is not Parkview Physicians Group (PPG)
currently aligned with Parkview Signature Care Access Center
or you do not have a healthcare provider:
PPG strives to put you at the center of a team
SELECT A PARKVIEW PROVIDER TO RECEIVE of healthcare providers, all working together to
IN-NETWORK BENEFITS. provide seamless care and improved health.

Below are some resources to help you get started • New and existing patient
appointment scheduling

• 24/7 nurse navigation to
appropriate care

• Connection to nearly 50
different specialties

CONTACT
877.PPG.TODAY (774.8632)
ppg.parkview.com

6

Parkview Welcome Clinic REVIEW YOUR LAB AND OTHER
Schedule a comprehensive wellness visit to identify how SERVICE PROVIDERS
Parkview can help you achieve your personal health and In addition to family doctors and specialists, you
wellness goals. may need to switch to in-network providers for
services such as labs, durable medical equipment,
• Comprehensive medical evaluation mammographies, MRIs, urgent care, and walk-in
• Complete prevention screenings clinics. It may be helpful to make a list of every
• Resources to help you understand your healthcare service provider you’ve used in the past five years,
then cross-check that list with the comprehensive
benefits provider directory on parkviewtotalhealth.com.
• Personal care plan and referral to
2023 Open Enrollment | 7
Parkview Primary Care Provider
or specialists

CONTACT
260.425.6950
Parkview Regional Medical Center, Entrance 11
11104 Parkview Circle, Suite 020
Fort Wayne, IN 46825

Signature Care Provider Directory
Locate in-network providers and facilities.

CONTACT
260.266.5510 | 800.666.4449
parkviewtotalhealth.com

2023CLAIMS
PROCESSOR

Unified Group Services
Unified Group Services processes all claims for medical, dental, vision,
and prescription drug benefits.

Unified Group Services

A full-service claims processor located in Anderson, Indiana, Unified works to make insurance as
straightforward and simple as possible. With an average claim turnaround time
of five business days and a dedicated claims account manager for Do it Best,
Unified excels in customer service and connecting you with the information
you need in a personal, friendly manner.

Streamlined Claims from
Unified Group Services:

1. Start with UGS for all claim information. 4. How to create your Unified account:
While Parkview is our provider network, UGS > Visit www.unifiedgrp.com
processes and provides all claim information. > Select “User Login”
> Select, I am a(n) Member
2. Watch for your new insurance card in the mail. > Enter the group #: 8085
If you’ve made a change in election. You will > Login
need to make sure all your healthcare providers > On the next page, select “Register Account”
have a copy of your new card. If you get a > Read the license agreement and
new card, please discard all old cards to avoid
confusion. select “Accept” and “Agree”
> Follow the on-screen prompts and enter your
3. Register as a user at UnifiedGrp.com.
You will be able to check claims status and information to complete enrollment

receive information regarding your plan and

benefits through the Unified website. Log on

to UnifiedGrp.com to register and create your

username and password.

8

>> IF YOU HAVE QUESTIONS BENEFITS OF JOINING
REGARDING A CLAIM UNIFIED GROUP SERVICES
THROUGH UNIFIED,
CALL 800.291.5837. PERSON-TO-PERSON COMMUNICATION
Need help understanding your benefits or claims? When you call
the Unified office during business hours, you will speak only with
a receptionist and your dedicated claims account manager—no
automated answering system, voicemails, or unanswered calls.

WEBSITE | UnifiedGrp.com
Check the status of your claims and find information regarding your
plan and benefits online 24/7 through the Unified website. You also
receive your Explanations of Benefits (EOBs) electronically, with an
online archive available for your convenience.

MOBILE APP
The Unified mobile app puts deductible information and benefits
at your fingertips. It’s available at no charge for Apple and Android
smartphones. Search: UnifiedGrp Mobil

MYACTIVEHEALTH
The MyActiveHealth engagement platform is a secure site
accessible from the Unified website. This unique platform compiles
your medical and prescription drug data on a nightly basis and
scrubs your claims to look for opportunities to improve care. When
a concern or opportunity is identified, it issues a patient-specific
clinical alert via telephone, email, and/or website notifications.
The platform also offers wellness tools, immunization records, and
more—all designed to close the gap in your medical care.

2023 Open Enrollment | 9

2023PLAN DESIGN

CONSUMER DIRECTED
PLAN (CDP)

Effective 1/1/2023

Save Money with the HSA Program account and paying for qualified expenses. There are
A health savings account (HSA) is a Do it Best funded no substantiation forms required to justify withdrawals
bank account set up in your name when you select from the account; however, you are encouraged to keep
the CDP health insurance option. Its sole purpose is complete records and receipts for tax purposes.
to provide you available dollars to pay for qualified
medical or prescription expenses before the deductible In funding the HSA, Do it Best will make two annual
has been met, or for your share of co-insurance once contributions to the account. If you elect to make
the annual deductible is reached. You may also use individual pre-tax contributions, your account will build
HSA dollars to cover out-of-pocket expenses for both over time as dollars are directed into the account each
optical and dental claims, including orthodontia. week. You may experience times during high healthcare
usage when there are not enough dollars accrued in
A great advantage to an HSA is that funds roll over the account to pay out-of-pocket expenses. In these
and accumulate each year and can even bear interest situations, you’ll settle the bill with the provider and
through investment. Any withdrawals for non-medical then reimburse yourself out of the HSA when dollars
expenses may provide tax advantages if taken after are deposited. You can do this by writing yourself a
retirement age. HSA withdrawals for non-medical check from the account or using the HSA debit card to
expenses may be subject to penalties. make an ATM cash withdrawal (ATM fees may apply).
Of course, you’ll want to keep complete records of all
Do it Best staff can receive anywhere from $500 to transactions for tax purposes.
$2,000 annually into their HSA based on the number
of individuals covered in the CDP and incentives. You Please note: To be eligible for coverage in the CDP
can also make voluntary pre-tax contributions into with an HSA you cannot be covered by a non-high
the account. For 2023 the contribution maximum deductible health plan, you cannot be enrolled in
for employee only coverage is $3,850. The 2023 Medicare Parts A and B, and you cannot be claimed as
contribution maximum for all other coverage is $7,750. a dependent on someone else’s tax return.
When figuring your personal contribution, you will need
to deduct the amount that Do it Best will be contributing
on your behalf from the maximum contribution.
Personal contributions can be started or stopped at your
discretion throughout the plan year.

If you are new to the CDP, you will need to open an
account with our new HSA provider, UMB Bank. You’ll
be given the option of using a standard checkbook,
debit card, or both to assist you in accessing the

10

CONSUMER DIRECTED
PLAN (CDP)

Effective 1/1/2023

Premium (weekly) $0

Deductible In-Network Out-of-Network

$3,250 / $6,500 $4,700 / $9,200

(Employee / $3,000 per Family Mbr.) (Employee / $4,700 per
Family Mbr.)



Out-of-Pocket Max. $6,650 / $13,300 $16,250 / $32,500
(Employee / $6,650 per Family Mbr.) (Employee / $16,250 per Family Mbr.)


Co-Insurance 20% 50%



Office Visits

Preventive Free Deductible/Co-Insurance

Primary Care Deductible/Co-Insurance Deductible/Co-Insurance

Specialist Deductible/Co-Insurance Deductible/Co-Insurance

ER Deductible/Co-Insurance Deductible/Co-Insurance



Prescription Drugs

Retail

Generic Deductible/Co-Insurance of 20%

Formulary Deductible/Co-Insurance of 25%

Non-Formulary Deductible/Co-Insurance of 30%

Mail Order

Generic Deductible/Co-Insurance

Formulary Deductible/Co-Insurance With CDP coverage, a

Non-Formulary Deductible/Co-Insurance health savings account


(HSA) helps you pay for
Wellness and Preventive Services

See Schedule of Benefits for services covered at 100% qualified out-of-pocket

expenses using pre-tax

company dollars and
Annual Contribution by Do it Best to Employee HSA
personal contributions.
Base Incentive Total

Employee $ 500 $ 500 $1,000 Unused dollars roll over

Employee + Spouse $1,000 $1,000 $2,000 and accumulate year

Employee + Child(ren) $1,000 $ 500 $1,500 after year for when the

Employee + Spouse + Child(ren) $1,000 $1,000 $2,000 need arises.

Note: Company HSA contributions are made semi-annually on 1/15 & 7/15.
Employees may also choose to contribute additional pre-tax to this account.

2023 Open Enrollment | 11

2023PLAN DESIGN

PREFERRED PROVIDER
OPTION (PPO)

Effective 1/1/2023

Save Money with the FSA Program Generally, any out-of-pocket medical expenses not
A flexible spending account (FSA) offers you a covered by insurance are eligible for reimbursement.
tremendous tax savings benefit because it permits Copays and deductibles from our PPO health insurance
you to legally avoid paying state and federal taxes plan are the most common ones for which you can use
for qualified out-of-pocket medical expenses. Simply the FSA money.
put, this program is a government approved way for
you to contribute pre-tax dollars into a dedicated Cost Saving Tip: There are many other eligible expenses
account to pay for out-of-pocket expenses that you you may not have considered, though. Dental and
would not otherwise be able to fully deduct from your optical expenses, including orthodontia (whether paid
taxes. In essence, they let you stretch your dollars as a lump sum or monthly installments), oral surgery,
even further, putting more money in your pocket LASIK eye surgery and prescription sunglasses are
instead of Uncle Sam’s. all eligible FSA expenses. You can also claim some
over-the-counter (OTC) medications when filed with
An FSA reimburses you with pre-tax dollars for your an approved note from your doctor. For a rundown of
entire family’s medical expenses not covered by the allowable reimbursements, visit fsafeds.com.
PPO insurance plan or any other benefit provider,
whether they participate in our health insurance plan The FSA plan year will run from January 1 each year
or not (excludes those enrolled in high deductible plans through March 15 of the following year, allowing you
like our CDP). You designate how much you’d like to a total of 14½ months to incur an expense. You’ll
contribute to the account each year (up to $2,750). The then have until April 30 of the following year to file
entire amount of your designation becomes available any claims against your account. Open enrollment
to you on January 1, 2023. Then, fifty-two equal runs concurrently with our insurance open enrollment
deductions are taken from your check throughout the period and you’ll need to re-enroll even if you
year to fulfill your desired contribution to the plan. participated last year.

12 You will receive an FSA debit card. You can use your
card to pay for eligible medical, dental, or vision
expenses at the time of purchase. You may be
required to provide receipts to substantiate your
purchases are for eligible medical expenses.

PREFERRED PROVIDER
OPTION (PPO)

Effective 1/1/2023

Premium (weekly) Base Incentive Reduction Net Premium
$ 49.00 $10.00 $ 39.00
Employee $118.00 $20.00 $ 98.00
Employee + Spouse $ 96.00 $20.00 $ 76.00
Employee + Child(ren) $160.00 $30.00 $130.00
Employee + Spouse + Child(ren)

Deductible In-Network Out-of-Network

$1,750 / $3,500 $2,600 / $5,200

(Employee/Employee+1 or more) (Employee/Employee+1 or more)



Out-of-Pocket Max. $5,000 / $10,000 $13,800 / $40,500

(Employee/Employee+1 or more) (Employee/Employee+1 or more)



Co-Insurance 20% 50%



Office Visits

Preventive Free Deductible/Co-Insurance

Primary Care $40 Deductible/Co-Insurance

Specialist $60 Deductible/Co-Insurance



Prescription Drugs*

Retail

Generic 20% [$25 min / $ 50 max]

Formulary 25% [$55 min / $135 max]

Non-Formulary 30% [$75 min / $195 max]

Mail Order With PPO coverage, a
flexible spending account (FSA)
Generic $ 40

Formulary $110 helps you pay for qualified

Non-Formulary $160 out-of-pocket expenses using

personal pre-tax contributions.

Wellness and Preventive Services

See Schedule of Benefits for services covered at 100% The amount you elect is fully

funded on January 1 and then

Annual Contribution by Do it Best equal amounts are deducted

to Employee FSA $0 from your paycheck throughout

the year.

Note: Employees may choose to make a pre-tax contribution to this account.
*Subject to out-of-pocket max.

2023 Open Enrollment | 13

2023PLAN DESIGN

DENTAL AND VISION

Effective 1/1/2023

DENTAL $1,000
50%
Classes I, II, III Combined 50%
Class I Preventive Care 50%
Class II Basic Restorative
Class III Major Restorative

VISION

Maximum and coinsurance applies to in- and
out-of-network providers.

Examinations
The plan pays 50% of one eye exam every calendar year.

Materials
The plan pays 100% up to $250 per calendar year per covered person
for materials.

Materials include any combination of the following:

Frames Contact Lenses
• Elective
Lenses • Therapeutic

• Single Vision Lenses
• Bifocal Lenses
• Trifocal Lenses
• Lenticular Lenses

14

MONEY MATTERS

MANAGING
YOUR
HEALTHCARE
DOLLARS

N o one wants to spend more than they have to on of-network—that’s up to you. You have to advocate
healthcare. When we do, it’s usually because we for yourself and your family—not just so you receive
don’t know how to reduce costs or we don’t take the quality care, but to ensure you’re not paying more for
time to research our options. services than you need to.

The truth is, your doctor’s office likely doesn’t know Here are a few tips to help you along the way.
what your insurance covers. They don’t know which
labs or specialists are in-network and which are out-

2023 Open Enrollment | 15

1UNDERSTAND YOUR HEALTH BENEFITS your prescriptions among local pharmacies, and
Look over the plan policies you receive so you’re some offer additional discount coupons that can save
certain what your selected health plan covers. you up to 80%. These discounts are often outside of
Make yourself aware of which services might our prescription plan, but may offer a better deal on
require preauthorizations or referrals from primary the medication than CVS Caremark. However, they
physicians. It may take a little time to get familiar would not apply to your annual CDP deductible.
with your benefits, but this simple step can help you
prevent unnecessary bills. If there’s anything you CONSIDER THESE OPTIONS:
don’t understand, call for clarification.
• BlinkHealth.com
2BE SMART ABOUT MEDICATIONS • FamilyWize.org
Check pricing with different pharmacies • GoodRX.com
Prescription drug prices are not regulated and the • RXAssist.org
same prescription can vary widely from pharmacy • RXSaver.RetailMeNot.com
to pharmacy. When a new medication is prescribed, • CostPlusDrugs.com
compare local pharmacies to find the best price.
Find prescription discounts Review the formulary
There are a number of websites and apps available A formulary is a list of medications created by
to help you do comparisons for the lowest cost for CVS Caremark, our pharmacy benefit manager,
that outlines which drugs they cover, based on
negotiations and drug effectiveness. CVS Caremark
excludes certain brand name drugs to help secure
better pricing for the same kind of drug from a
competing manufacturer, or to promote a generic
alternative with the same effectiveness. To avoid
drugs CVS Caremark does not cover—as well as
higher out-of-pocket costs for similar drugs—
compare your medications to the formulary and
work with your doctor if different medications will
reduce your costs.

Buy in bulk
If you’re taking any medication on a regular basis,
find out whether it’s available in 90-day supplies.
This could save you trips to the pharmacy and
reduce your cost—sometimes a three-month supply
could actually be less than a one-month supply.

16

MONEY MATTERS

allergies, pink eye, skin rashes, and more. This service
is not included in Signature Care coverage, but calls
are just $49 each.

4USE IN-NETWORK PROVIDERS OR INDEPENDENT
LABS AND CENTERS
Start with the comprehensive list of hospitals,
physicians, labs, and more at
parkviewtotalhealth.com. If your physician refers

you to a specialist or lab, don’t assume they’re in-

network just because your doctor is—verify that each

Ask for free samples provider is in the Signature Care network before you
Your doctor’s office is most likely loaded with receive care. Your lowest cost options may even be
samples from pharmaceutical reps. When you are independent labs and radiology centers.

prescribed a new medication, they might not think

about whether a sample would suit your needs. It 5NEGOTIATE BETTER DEALS FOR
never hurts to ask. If your doctor prescribes a drug
that costs you $25 and you receive a two-month NON-COVERED SERVICES
supply of samples, that’s a $50 savings! If you need a service that’s not covered by our
insurance plan, let your provider’s office know you’ll
be paying out of pocket and ask if they can assist.
3 6AVOID THE ER FOR NON-URGENT MEDICAL ISSUES Often, cash-pay discounts or low- or no-interest
Identify in-network urgent care and walk-in clinics payment plans are available.
The total cost of an emergency room visit can easily
reach into the thousands. If your medical concern LOOK AT YOUR MEDICAL BILLS BEFORE
is not life-threatening, consider visiting an urgentPAYING THEM
care or walk-in clinic instead. They typically have It doesn’t have to take long—just scan the line items
much lower copays and offer faster service. You to see if anything doesn’t make sense. If you have

can find a list of in-network urgent care providers at questions, call your provider and ask. Catching a
parkviewtotalhealth.com, and you can also check out coding error could save you money!

parkview.com/firstcare for a list of walk-in clinics. 7TAKE ADVANTAGE OF PREVENTIVE BENEFITS
Make a note of the options closest to your home and
office so you know where to go if you need care. Screenings and wellness visits can help you get
a better picture of your current health status and
Consider a phone or video appointment get ahead of potentially serious medical concerns.
Parkview OnDemand offers 24/7 access to board

certified doctors by phone or video chat. They can Our CDP and PPO health plans cover a number of

diagnose, treat, and write prescriptions for non- preventive care visits at 100%.

emergency issues like cold and flu symptoms,

2023 Open Enrollment | 17

MONEY MATTERS

OUT OF
TOWN CARE,
IN-NETWORK
BENEFITS

With care centralized to Fort Wayne, you may be network area can go to the provider of their choice.
wondering how to manage coverage for college kids Emergency care outside the network area will be
who live away from home, or what to do on vacation. payable at the in-network level.

When you need care outside the Parkview service Ancillary services
area, claims will typically be handled as in-network When utilizing an in-network provider, the following
claims. Our team will work with Unified Group out-of-network services will be paid at the in-
Services or directly with the provider, depending network level: radiologist or pathologist services,
on the amount of the claim, to negotiate costs consultation from an out-of-network provider
and manage the claim. Below are some guidelines or ER physician. Also, if the operating surgeon
to remember. (inpatient or outpatient) is in the network and the
anesthesiologist is not, the anesthesiologist will be
Covered Individuals paid at the in-network level.
Any covered individual—including college students,
children of divorce, etc.—residing in Indiana should If the hospital is out-of-network, the charges
use a Signature Care provider to receive in-network will be considered out-of-network unless due
benefits. Those residing outside Indiana can go to an emergency or if the required services are
to the provider of their choice; their claims will be unavailable at an in-network facility.
payable at the in-network level.

Seeking emergency treatment
outside the network area
Any covered individual who needs emergency
medical assistance or after-hours care outside the

18

2023QUICK REFERENCE
GUIDE

Healthcare choices today include a number
of words and terms that may be unknown
to you. Use this quick reference guide to get
more familiar with the terminology.

Biometric screening COBRA
A group of tests used in the identification of The opportunity to continue your healthcare benefit
prior, existing or possible future medical issues. under the Do it Best plan after you leave our
Biometric testing works to highlight general risk company. COBRA is designed to provide you the
factors in order to serve the broadest cross-section continuity of full healthcare coverage; however, you
of people and typically includes cholesterol levels, are responsible for the entire program cost. COBRA
height and weight measurements, blood pressure rates are also used to determine certain premiums
readings and sucrose (blood sugar) levels. Our charged for specialized coverage within a plan
biometric screening will be scheduled on-site (premiums for part-time staff or early retirees to
during normal work hours in advance of the open age 65, for example).
enrollment period.
Co-insurance
Birthday rule A percentage of a healthcare cost—such as 20
The process used to determine which parent’s percent—that the covered employee pays after
coverage pays first when a dependent child has meeting the deductible.
health coverage through both parents. Under this
approach, the dependent child’s primary coverage Consumer directed plan (CDP)
is that of the parent whose birthday falls earlier in One of the two comprehensive healthcare options
the calendar year. for Do it Best staff. Its key components include a
high deductible before co-insurance, a company-
funded HSA contribution, and no premium.

2023 Open Enrollment | 19

2023QUICK REFERENCE
GUIDE

Co-payment or Co-Pay Generic drug
The fixed dollar amount—such as $25 for each When the patent protection for a brand name drug
doctor visit—that the covered employee pays for expires, generic versions of the drug can be offered
medical services. for sale if the FDA agrees. Often, these drugs are
substantially cheaper than brand name drugs.
Deductible Many retailers offer these drugs below market
A fixed dollar amount that the covered team value—sometimes even free—to entice shoppers
member must pay out of pocket each calendar into their stores.
year before the plan will begin reimbursing for non-
preventative health expenses. Plans usually require Health savings account (HSA)
separate limits per person and per family. An HSA is a tax-advantaged medical savings
account available to those enrolled in the CDP
Flexible spending account (FSA) option. Company and individual funds contributed
A financial account created so a team member can to the account are not subject to federal income
set aside a portion of his or her earnings to pay for tax at the time of deposit. Unlike an FSA, funds
qualified out-of-pocket medical expenses. Money roll over and accumulate each year and can even
deducted from the individual’s pay into an FSA is bear interest through investment. HSA funds can
not subject to payroll taxes, resulting in substantial be used to pay for any qualified medical expenses
tax savings. The total dollars you designate for the at any time of occurrence without federal tax
year will be available to you in full on January 1 liability or penalty. Withdrawals for non-medical
and will then be deducted pre-tax from your wages expenses are treated much like those in an IRA in
qually over 52 pay periods. All funds not used that they may provide tax advantages if taken after
within the plan period will be forfeited. The retirement age and they incur penalties if taken
Do it Best medical FSA program can only be used earlier.
in conjunction with the PPO plan. A dependent care
plan to cover child care expenses can be set up
regardless of your healthcare coverage choice.

Formulary brand drug
A list of prescription drugs covered by the health
plan, often structured in tiers that subsidize low-
cost generics at a higher percentage than more
expensive brand-name or specialty drugs.

20

Health risk assessment Non-formulary brand drug
A voluntary and confidential health questionnaire A brand name prescription drug that falls outside
used to provide participants with an evaluation of those approved through our healthcare plans.
of their health risks and overall quality of life. CVS Caremark, our mail order provider, provides an
Common components of a HRA include the annual list of preferred drug choices. Non-formulary
collection of demographic characteristics (age, sex), brand drugs are the most expensive option, costing
lifestyle information (exercise, smoking, alcohol much more than formulary brand and generic
consumption, diet) and personal medical history. alternatives.
Incentives for participation are offered through the
PPO (lower premium) and CDP (increased company Out-of-network
HSA contribution). A health plan will cover treatment for doctors,
clinics, hospitals and other providers who are out-
Health savings account (HSA) of-network, but covered employees will pay more
HSAs may be opened by employees who enroll in a out-of-pocket to use out-of-network providers than
high-deductible health plan. HSAs are individually for in-network providers.
owned and the account remains with an employee
after employment ends. Out-of-pocket maximum
The most an employee could pay during a coverage
In-network period (usually one year) for his or her share of the
Doctors, clinics, hospitals and other providers with costs of covered services, including co-payments
whom the health plan has an agreement to care for and co-insurance.
its members. Health plans cover a greater share of
the cost for in-network health providers than for Pre-certification
providers who are out-of-network. Also known pre-cert, it refers to the process
of obtaining certification or authorization from
the healthcare plan for non-emergency hospital
admissions (inpatient or outpatient). Failure to
obtain pre-certification often results in a financial
penalty or a denied claim for coverage. To obtain
pre-certification, the insured person should contact
Unified Group Services directly.

2023 Open Enrollment | 21

2023QUICK REFERENCE
GUIDE

Preferred provider option (PPO) Specialist
One of the two comprehensive healthcare options A doctor who is trained to give care in a specific
for Do it Best staff. Its key components include medical area. The doctor’s focus could be on a
set co-pays and deductibles for medical and disease, part of the body or age group. True family
prescription costs, a pre-tax medical FSA option deductible: refers to the deductible within the CDP
and a weekly staff premium. option where the total of all family members’ claims
must satisfy the family deductible prior to co-
Premium insurance being applied.
The amount that must be paid for a health
insurance plan by covered employees, by their Wellness care
employer, or shared by both. A covered employee’s A proactive approach to healthcare where the
share of the annual premium is generally paid patient takes an active role in the prevention of
periodically, such as monthly, and deducted from disease and focuses on preventive measures to
his or her paycheck. optimize health. Examples include annual physicals,
immunizations and health screenings, along with
Primary care physician company-supported health club memberships.
A doctor who is part of our healthcare network. He
or she is a patient’s main contact for care. Primary
care physicians give referrals for other services and
coordinate care their patients get from specialists
or other care facilities.

22

2023ADDITIONAL
BENEFITS

Life Insurance Dependant Care FSA

Company-provided With a Dependent Care FSA, you
In the event of your death while use pre-tax dollars to pay qualified
an active team member, your out-of-pocket dependent care
beneficiaries may receive lump sum expenses. The money you contribute
benefits from the group life insurance to a Dependent Care FSA is not
coverage. There is no premium for subject to payroll taxes, so you end
this company-provided benefit. The up paying less in taxes and taking
benefit is equal to 150% of your home more of your paycheck. All
annual wages (1.5 x annual salary) full-time team members are eligible
with a maximum benefit amount of for the Dependent Care (Section
$500,000. 125) program. This program may
be used for childcare, or to help pay
Supplemental for the care of a disabled spouse or
Supplemental coverage is available dependent. Any type of dependent
for purchase at group rates. You care that can be claimed as a credit
have the option to purchase $25,000, on income taxes is eligible for
1, 1.5, 2, or 3x your annual salary. reimbursement under the Dependent
Care program.
You may elect life insurance for your
spouse and/or children. Parking at
Electric Works
Review beneficiaries
Designating your beneficiaries for Open enrollment now includes opting
life insurance and reviewing them in or out of parking garage access
annually is important as these at Electric Works, giving you access
designations determine how the to convenient downtown parking
lump sum benefits will be distributed. whenever you need it. All Fort Wayne
If you pass away and have not team members must make a parking
named a beneficiary, this may delay election through the open enrollment
the timely transfer of funds. process.

2023 Open Enrollment | 23

2023ADDITIONAL
BENEFITS

Health Club Long Term Disability
Reimbursement
After 26 weeks of short term
In addition to generous wellness disability, you could be eligible
benefits offered through our health for long term disability through
care plans, you’re eligible for the our provider, Sun Life. There is no
health club reimbursement program. premium for this company provided
Health club dues are reimbursed benefit.
50% per covered individual to a
maximum of $300 (individual) PTO Rollover or
or $600 (individual+spouse or Cash Out Election
family) per calendar year. The 50%
reimbursement amount will be Each year, you’ll receive the option to
returned to you in a cashable check. roll over or cash out a portion of your
Applicable taxes will be deducted PTO for use the following calendar
from your weekly paycheck. You year. Full-time team members may
do not have to make an election to roll over a maximum of 80 hours of
enroll in this benefit. PTO, or cash out up to a maximum of
40 hours of PTO. The cash out will be
Short Term Disability paid at 100% of the team member’s
current base rate.
If you become disabled and unable
to work due to injury or an illness .
while insured under the Do it Best
Corp. group health plan and you are
under the direct care of a legally
qualified physician, you may receive
pay continuation according to the
plan.

If you’re a full-time hourly team
member, you also have the option
to purchase a supplemental benefit
of $30.00 per week at a cost of $.60
per week. Please refer to your Group
Benefit Plan booklet for further
details.

24

NOTES

2023 Open Enrollment | 25

NOTES

26

YOUR NEXT STEPS
CHECKLIST

Review the 2023 plan design descriptions
for the CDP and PPO.

Review your beneficiaries.

Opt in to or waive your Electric Works parking
benefit through the open enrollment process.

S elect your benefits plan for 2023 by completing
the online enrollment no later than November 18.

Visit or call a member of the HR team
if you have questions.

BENEFITS
OPEN ENROLLMENT

NOVEMBER 1–18

>> my.adp.com

2023 Open Enrollment | 27

Key dates:

November 1

Open enrollment begins

November 18

Open enrollment ends

January 1, 2023

Effective date for your plan selection