New Hire Presentation

BlueLinx Corporation
2015 Benefits Presentation
Salaried Employees
2015
Health
Plans
BlueLinx
Corporation
Medical, Pharmacy, Dental and Vision
2010 Benefits Presentation
2015 Health Plan Offering
Plan Choices
BlueLinx offers the following health plan options:
 Medical Plan Choices
 HRA Base Plan
 HRA Buy Up Plan
 Pharmacy coverage is the same for both plans and included with your medical
plan election
 Tobacco and spousal surcharge apply to medical plan enrollment
 Vision Plan
 Dental Plan Choices
 Basic Plan
 Buy Up Plan (includes Orthodontia coverage for dependents up to age 19)
BlueLinx Benefits Enrollment
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2015 Medical Plan Offering
What is a HRA?
 HRA is just another way of paying for your benefits.
 BlueLinx sets up your account by putting money aside that you can use to pay for
medical and pharmacy expenses that would typically come out of your pocket.
 What are some of the benefits of having an HRA?
– BlueLinx funds the account annually; unused funds roll over year-to-year to help
offset future medical costs ($10,500 maximum).
– BlueLinx provides 100 percent coverage for in-network preventive care services.
– You can use the funds to pay down your deductible.
 When you go to the doctor, do not pay at time of service. The doctor should file the
medical claim directly with UHC. UHC will automatically pay your bill from the funds in
your HRA account.
 If you need to pay at the pharmacy or have a bill, you will have a MasterCard (Health
Spending Card) loaded with your HRA funds
 Your funds are forfeited when you leave or cancel your medical coverage with
BlueLinx.
BlueLinx Benefits Enrollment
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2015 Medical Benefits
How does a HRA work?
Resources and Tools
• UHC: 800-709-0756
• www.myuhc.com
Health
Coverage
Health Coverage
• After you meet your Annual
Deductible, you and BlueLinx
jointly pay
HRA
• BlueLinx contribution
• Amount contributes towards
your Annual Deductible
BlueLinx Benefits Enrollment
Member
Responsibility
Health
Reimbursement
Account (HRA)
Preventive Care
• After you reach the maximum,
BXC pays 100%
Annual Deductible
• You pay 20%, BXC pays 80%
(in-network) up to your Out of
Pocket maximum
Preventive Care
• Eligible Preventive Care
services covered up to 100%
• Not subject to Annual
Deductible
Member Responsibility
• Your contribution
• You pay the difference
between your HRA and your
Annual Deductible
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2015 Medical Plans – Comparison
What are My Plan Options?
HRA Base Plan
HRA Buy Up
Employee: $250
Employee + 1: $500
Family: $750
Employee: $500
Employee + 1: $1,000
Family: $1,500
Member Responsibility /
Remaining Deductible
Employee: $1,500
Employee + 1: $3,000
Family: $4,500
Employee: $750
Employee + 1: $1,500
Family: $2,250
Remaining Maximum Out-of
Pocket
Employee: $2,250
Employee + 1: $4,500
Family: $6,750
Employee: $2,000
Employee + 1: $4,000
Family: $6,000
HRA Account
(BlueLinx Funded Account)
(excludes HRA)
(excludes HRA and member
responsibility)
Preventive Care
Coinsurance
Maternity Care
Deductible applies to delivery, hospital stay,
professional fees and outpatient diagnostic services
Physician Office Visit and Most
Other Medical Expenses
Out of Network Coverage
BlueLinx Benefits Enrollment
0% (100% paid by BlueLinx)
Pre-natal care: Office visits covered @100% (excl first visit)
Delivery and Post-natal care: 20%, after deductible
20% after deductible
40% for most services, after a separate out-of-network deductible
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2015 Medical Benefits
How Do I Access My HRA Account?
 UHC will automatically pay any bills on your behalf
out of your HRA account.
 If you need to pay a bill, use the MasterCard
provided to you by UHC (Health Spending Card).
– Card will draw from HRA fund first, followed by
FSA funds, if applicable.
– Card can be used for eligible expenses - when you go to the doctor, do not pay
at time of service. The doctor should file the medical claim directly with UHC.
UHC will automatically pay your bill from the funds in your HRA account.
– You should use your card to pay for any prescription drugs.
– You can submit a paper claim for reimbursement from your HRA account if you
don’t use your card.
 If you received a card previously, it is valid into future years – do not throw away your
card if all funds have been exhausted. You card will work until its expiration date.
BlueLinx Benefits Enrollment
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2015 Pharmacy Plan
Plan Details
Pharmacy Benefit Summary
Retail Pharmacy
(30 Days Supply)
Mail Order
(90 Days Supply)
Coverage (Same for both HRA Plans)*
Generic
20%, after deductible ($10 minimum/$50 maximum)
Brand Formulary
30%, after deductible ($20 minimum/$75 maximum)
Brand NonFormulary
50%, after deductible ($35 minimum/$100 maximum)
Generic
20%, after deductible ($25 minimum/$100 maximum)
Brand Formulary
30%, after deductible ($50 minimum/$150 maximum)
Brand NonFormulary
50%, after deductible ($85 minimum/$200 maximum)
*Employee Portion
 Mandatory generics - Generic drugs can cost about 20% to 80% less than brand-name drugs.
BXC will only pay for the generic cost if there is a generic available. If you still prefer to use a
brand drug even though a generic is available, you can pay the difference between the cost of
the brand and the generic (unless the use of a brand drug is medically necessary).
 Home delivery – After two refills at a retail pharmacy, all maintenance medications must be filled
via mail order. Members who refill at retail will be responsible for 100% of the cost of the
medication
BlueLinx Benefits Enrollment
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2015 Vision Plan
Plan Details
Vision Benefit Summary
In-Network
Out-of-Network
Insight
N/A
100% Covered
Covered up to $50
Standard
Plastic Lenses
100% Covered
Covered up to $70
Frames
$110 Allowance, 20% off remaining balance
Covered up to $50
Elective
$110 Allowance, 15% off remaining balance
(conventional lenses); $110 Allowance only
(disposable lenses)
Covered up to $100
Medically
Necessary
100% Covered
Covered up to $100
15% off retail price OR 5% off promotional
pricing
N/A
Network
Exam
Eyeglasses
Contact
Lenses
Laser Vision Correction
For members age 19 and over, Exams, Lenses and Contact Lenses are covered once every 12 months and Frames
are covered once every 24 months. For members under age 19, Exams, Lenses, Contact Lenses and Frames are
covered once every 12 months.
For additional information and pricing, reference the EyeMed plan included in your Annual Enrollment Packet.
BlueLinx Benefits Enrollment
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2015 Dental Benefits
Plan Details
 Dental coverage is offered through UMR. BlueLinx utilizes the Guardian Network of
providers.
 You can chose to see any dentist or orthodontist that you wish, however, you will
probably pay less if you see a guardian network dentist/orthodontist.
Base Plan
Orthodontia Plan
Calendar year deductible - Combined for Basic
Services and Major Services
No Deductible
$50 per Individual
Calendar year maximum - includes preventative
and diagnostic, basic and major services
$2,500 per Individual
$1,500 per Individual
N/A
$2,000
Preventive and Diagnostic Services
100% after Deductible
100% after Deductible
Basic Services
80% after Deductible
80% after Deductible
Major Services
50% after Deductibl5
50% after Deductible
N/A
50% after Deductible
Orthodontic Lifetime maximum
(dependent children up to age 19 only)
Coinsurance
Orthodontic Services
BlueLinx Benefits Enrollment
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2015
Flexible
Spending
BlueLinx Corporation
Accounts
2010
Benefits Presentation
2015 Medical Benefits
Flexible Spending Accounts (FSA)
 Two Account Options:
– Health Care Flexible Spending Account (HCFSA)
– Dependent Care Flexible Spending Account (DCFSA)
 Benefits of an FSA:
– Reduce your taxable income;
 Tax savings: Contributions to FSA are pre-tax and medical
reimbursements are tax-free.
 You will have more money in your pocket than you would if you paid those
same health care and dependent care expenses with after-tax dollars!
 How does this differ from my HRA account?
– FSA accounts are 100% funded by the employee on a pre-tax basis. You
determine the amount you want to contribute.
– FSA accounts have an annual Risk: “Use it or Lose it”. Funds must be used
for expenses incurred by 12/31 of the current plan year.
BlueLinx Benefits Enrollment
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2015
Life
and
Disability
BlueLinx Corporation
2010 Benefits Presentation
2015 Life Insurance Benefits
Plan Offerings
You are automatically enrolled in the following company paid benefits provided By
BlueLinx:
 Basic Life - $50,000
 Employee Occupational Accidental Death – Up to $200,000
 Business Travel Accident - $100,000
You may elect to participate in several other life insurance offerings:
 Supplemental Employee Life
 Spouse/Domestic Partner Supplemental Life Insurance
 Child Life Insurance
 Supplemental Accidental Death & Dismemberment (AD&D)
BlueLinx Benefits Enrollment
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2015 Disability Benefits
Plan Offerings
 Short Term Disability (STD)
 Employees have STD coverage paid for by BlueLinx
 Length of service and job category determine level of pay replacement
 Supplemental Long Term Disability
 BlueLinx provides a policy of 50% of your annual earnings
 Employees may buy up to 60% of their annual earnings
BlueLinx Benefits Enrollment
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2015
Retirement
Benefits
BlueLinx Corporation
2010 Benefits Presentation
2015 Retirement Plan Offerings
401(k)
 As a BlueLinx salaried employee, you are immediately eligible to participate in
the BlueLinx 401(k) and Roth 401(k) Plans. You can begin contributing to the
Plans as soon as administratively feasible following your date of hire.
 BlueLinx provides a match to your contributions of 50% for the first 4%
invested (3 year vesting requirement). The match is funded on an annual
basis after the end of the plan year.
 You can contribute from 1% to 75% of your pay on a pre-tax basis to the
401(k) or on a post-tax basis to the Roth 401(k) plan up to the maximum
combined allowed of $17,500 for 2015 (subject to change per the IRS).
 Employees will be automatically enrolled in the plan approximately 45 days
after your hire date at a 4% contribution level. Contributions will be increased
by 1% annually up to 15% max.
 Employee may opt out of the auto-enrollment or auto-escalation at anytime by
contacting Vanguard.
 Enroll directly with Vanguard sooner than 45 days if desired.
BlueLinx Benefits Enrollment
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2015
Additional
Benefits
BlueLinx Corporation
2010 Benefits Presentation
2015 Supplemental Insurance Plans
What is a Supplemental Insurance Plan?
 Supplemental insurance is used to complement your health plans, not to replace
them.
 Plans offered are
 Accident Plan - covers injuries and accident-related expenses.
 Critical Illness Plan - covers diagnosis or treatment for a serious illness
 Group Universal Life with a Long Term Care Rider - lump sum to your
designated beneficiaries in the event of your death
 Different from the BlueLinx Life Insurance in that the Voluntary plan is your
individual coverage and is portable at the current rates.
 If you need Long Term Care coverage this benefit pays a monthly advance
of the death benefit of 4% for use for in home care, an assisted living facility,
adult day care, or a nursing home
 Plans are available to all benefit eligible BlueLinx employees and their dependents
regardless of their enrollment in a BlueLinx medical plan.
BlueLinx Benefits Enrollment
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2015 Additional Benefits
Plan Offerings
 Employee Assistance Program
– Provides up to 6 counseling session per year
 Vacation Buy
– Buy 1 week of vacation
– Buy a “Holiday week” = 3 days to use around Thanksgiving or Christmas
– Abbreviated Work Week = ½ day every other Friday
 Payroll deductions for Legal and Identity Theft Services (through LegalShield)
 Payroll deductions for Gym Memberships (LA Fitness and Midtown Athletic
Club)
BlueLinx Benefits Enrollment
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Dependent Audit
 BlueLinx requires all employees to verify their dependents once they are
enrolled in a BlueLinx medical, dental or vision plan
 Employees will be contacted by the Dependent Verification Center if they need
to complete the audit.
 Typical information required to complete the audit includes marriage certificate,
birth certificate, tax filings, etc.
 Questions can be referred to the Dependent Verification Center at 866-2727174.
BlueLinx Benefits Enrollment
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Where
should
I
go
for
help?
BlueLinx Corporation
HowBenefits
do I enroll?
2010
Presentation
Advocacy Service
 Advocacy will be available to answer basic benefit and eligibility questions.
“What is my PCP copay?”, “What is my deductible?”, or “Is my physician
contracted with my health plan?”
 Advocacy will research, resolve and/or educate regarding complex medical
claims, barriers with access to care, or extensive benefit clarification.
Facilitating claim reprocessing for a hospital or doctor’s bill.
Facilitating access to care to a prescription drug eligible under the terms of
the Plan.
Assistance with coordination of benefit information, especially as it relates
to Medicare.
 Allows participants to discuss their own (or their family members) medical
conditions and questions with licensed medical professionals.
BlueLinx Benefits Enrollment
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Advocacy Service
 Benefit for all employees eligible for BlueLinx benefits
 There is no cost for using this service, it is paid for by BlueLinx
 Advocates can be reached 24/7 via 866-279-0495
 Advocates are available 7:00 am – 6:00 pm CST Monday thru Friday
 After hours and weekend service is available to open a new case or
provide updates to an existing case
 Service is available for BlueLinx employees, their dependents, parents and
in-laws
 Provide assistance with all BlueLinx benefit plans including: medical, dental,
pharmacy, vision, FSA, Life, Disability, Retirement and Voluntary plans
BlueLinx Benefits Enrollment
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2015 Benefits
Enrollment Steps
 You must enroll within 30 days of your hire date. Benefits are effective the first of the
month following your hire date.
 Review the enrollment guide that is mailed to your home address
 Access the HR portal (www.myBlueLinxHR.com) for additional plan information and to
enroll in benefits
 Schedule a meeting with a member of the BlueLinx benefits team if you have any
questions by emailing [email protected]
BlueLinx Benefits Enrollment
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Additional Questions?
 Contact Advocacy Services
866-279-0495
 Answer questions on plan design, help compare BlueLinx plans to a
spouse’s plan, locate providers, discuss treatment options, resolve claim and
bill questions
 Contact HR Service Center
877-956-2583
 General Questions on Payroll, update employee information, enroll in
benefits over the phone
 Log onto the HR Website
myBlueLinxHR.com
 Online Library - contains plan documents, brochures and Annual Enrollment
guides
 ADP link – connect to benefits enrollment website to review current elections,
compare plan options and cost and make 2015 elections
 Contact the Benefits team
 Contact Payroll / General HR Questions
BlueLinx Benefits Enrollment
[email protected]
[email protected]
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HR
Portal
Overview
BlueLinx Corporation
2010 Benefits Presentation
BlueLinx Benefits Enrollment
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HR Portal
Log In
 Access via the web at www.myBlueLinxHR.com or click HR link on Intranet
BlueLinx Benefits Enrollment
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