Change begins with you - Benefits

2013
Change begins with you
2013 Open Enrollment is Oct. 15–Nov. 15, 2012
With your help, we
can get a handle on
health care costs.
Change begins with you.
Our hectic lives seem to leave us with less time and energy
to focus on our health, and as a result, we are spending more
time in the doctor’s office and more money on prescriptions to
manage our health issues. Our health care costs seem to keep
going up. But we should remember that ultimately, we can
make an impact in the way we utilize health care by considering
the cost and quality of the care we receive.
In this guide, read about Doug, Cathy, Ed and Amy, who have
taken small steps toward changing their health using the tools
and support J.B. Hunt provides. They did it, and you can too.
Six years ago, Doug Gibbs,
an assistant foreman at J.B. Hunt
in Austell, Georgia, thought he
would have to take insulin for the
rest of his life. The prospect of the
daily injections prompted him to
start riding a bicycle, and he hasn’t
looked back. Not only has he lost a
lot of weight, he doesn’t have
to take any medication for
high blood sugar.
So this year, take the first step toward feeling better AND
save a little money in the process.
WHAT’S INSIDE
Read this! . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Personal Health Team . . . . . . . . . . . . . . . . . . . . . . .
Your 2013 medical plans . . . . . . . . . . . . . . . . . . . . .
Which medical plan works best for you?. . . . . . . .
Your pharmacy benefit. . . . . . . . . . . . . . . . . . . . . . .
Your dental and vision plans . . . . . . . . . . . . . . . . . .
Life and disability benefits . . . . . . . . . . . . . . . . . . .
Why save in the J.B. Hunt 401(k)? . . . . . . . . . . . . .
Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
3 easy steps to enroll . . . . . . . . . . . . . . . . . . . . . . . .
If you don’t enroll . . . . . . . . . . . . . . . . . . . . . . . . . . .
Need help? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
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Inside back cover
If you read nothing else,
read this page.
You MUST go online during Open Enrollment Oct. 15–Nov. 15, 2012,
to see if you can get discounts on your 2013 medical premiums.
There are two ways for you to save in 2013:
ASSESS YOUR HEALTH
1
You’ll save $5 per week on your medical premiums if you take an online
Health Assessment to learn more about your overall health status. If you
cover your spouse, and he/she also takes the assessment, you’ll receive
an additional $5 discount each week.
BE TOBACCO-FREE
You’ll receive a weekly $5 discount on your medical premiums if you
are tobacco-free for at least 30 days prior to Nov. 15, 2012. If you cover
your spouse, and he/she is also tobacco-free, you’ll receive an
additional $5 discount every week.
2
If you and/or your covered spouse need help quitting tobacco,
call your Personal Health Team at 877-459-9896.
What happens if you don’t go online and enroll?
If you and your family are currently enrolled in a J.B. Hunt medical plan but don’t go online and enroll,
you will continue to have coverage but will pay the higher, non-discounted medical rates in 2013.
Don’t forget to review and update your personal information
when you go online and enroll this year.
Open Enrollment is Oct. 15–Nov. 15, 2012 |
1
Most of us need help
whether we want to make big or
small changes to our health.
You’ve got a support team to help you get and stay healthy.
We know taking care of yourself and your family’s health is important. It’s important
to us, too. If you and your family enroll in a J.B. Hunt medical plan, you’ll have the support
of the Personal Health Team, whose mission is to help you do everything from quitting
tobacco to identifying where to get the best care from the best health care providers.
When you reach out and take advantage of all your resources, you’re taking
the right steps to manage your health (and your health care costs).
Medical specialists with expertise
in many medical fields can
evaluate your personal health
situation and guide you to the
best solution for your condition.
(Provided through Advance Medical)
cal)
24/7 access to a board-certified
doctor. Get a diagnosis and
care for common conditions like
a cold or the flu, by phone or
online. $38 per use.
(Provided through MDLIVE)
(Pr
Take
T
ake your
first step…call
your Personal
Health
H
ealth Team anytime
day or night
877-459-9896
Top quality doctors at no cost
st
to you. If you need a hip or knee
ee
replacement, have been told you
ou
need a spinal or heart-related
procedure (and more), you can use
the very best doctors and facilities.
(Provided through EDHC)
2 |
To enroll, go to myjbhunt.com/benefits
Your own coach can help
Yo
you improve your health.
yo
If you need help quitting tobacco,
managing stress or illness,
your coach can help.
(Provided through Cigna)
Your 2013 medical plans
J.B. Hunt offers three medical plans that will provide you and your covered family members
the protection you need for everyday health issues or when the unexpected happens.
All our medical plans have these same features:
• Certain preventive care services are covered at 100%. If you go to a network
provider, you can get services like immunizations, mammograms, Pap tests and
flu shots at no cost to you.
• Choose from a wide variety (a “network”) of medical providers and you’ll save.
Not only will network providers charge you less for their services, you’ll never pay
more than your out-of-pocket maximum.*
• Prescription drug coverage at no additional cost.
Managing your weight
is about more than
just looking good.
According to the
Centers for Disease
Control, obesity is
responsible for 90
to 95% of all
Type 2 diabetes.
The HSA Medical Plan is your best value
This plan offers the best value at a lower premium, AND you can contribute dollars to a
Health Savings Account to help pay your portion of qualified medical expenses such as
your deductible and coinsurance, and you can change your contribution amount at any
time. You can also use your HSA dollars to pay for expenses that aren’t covered by health
plans such as some over-the-counter medications.
One great feature of a Health Savings Account is if you have money left at the end of the
year, it rolls over year-to-year—you don’t lose it.
But that’s not all! You get a TRIPLE tax advantage when you enroll in and contribute to a
Health Savings Account. Here’s how:
1 Pre-tax payroll deduction—you don’t pay income tax on your Health Savings Account
contribution amount
Use this mobile app to:
Submit claims, view your
account balance and
much more at www.
connectyourcare.com/
cyc2/technology.html.
Android
2 Tax-free earnings—interest and monies earned on your Health Savings Account are tax-free
3 When you use money in your Health Savings Account, you don’t have to claim it on
your tax return
iPhone
Plan
Employee only
If you cover dependents
HSA Medical
(in-network)
• $1,325 annual deductible
• $5,500 annual out-of-pocket maximum*
• $2,650 annual deductible
• $11,000 annual out-of-pocket maximum*
HSA Medical
(out-ofnetwork)
• $1,325 annual deductible
• If you go to a provider who is not
in the network, there is no limit
to what you will pay.
• $2,650 annual deductible
• If you go to a provider who is not
in the network, there is no limit
to what you will pay.
The most
you can
contribute
each year**
• Up to $3,250 (you can change your
contribution amount anytime)
• Up to $6,450 (you can change your
contribution amount anytime)
* There is an annual maximum of $2,000,000 but no lifetime maximum.
** If you’re 55 years or older, you can make additional catch-up contributions to your Health Savings Account of up to $1,000 in 2013.
2
3
PPO/OAP Medical Plan
This plan has a lower annual deductible than the HSA Medical Plan, but the premium
you pay will be significantly higher each pay period. You’ll pay a copay each time you see
a network primary care provider even after you’ve met the deductible.
Plan
Cathy Bolton is a senior
Information Systems
project manager at the
corporate office. Her
husband, Scott, was
diagnosed with a rare
condition of the diaphragm. Cathy reached
out to Advance Medical.
She says, “Having this
benefit was phenomenal and gave us the
opportunity to have the
quality of life we want.”
Good news!
Effective Jan. 1, 2013,
J.B. Hunt’s FSA
waiting period will be
reduced to 90 days!
That means your FSA
will become effective on
your 91st day of full-time
employment, and if
you meet the eligibility
criteria, your FSA will
become effective on
Jan. 1, 2013.
Employee only
If you cover dependents
PPO/OAP
(in-network)
• $35 copay*
• $700 annual deductible
• $6,000 annual out-of-pocket maximum**
• $35 copay*
• $1,400 annual deductible
• $12,000 annual out-of-pocket maximum**
PPO/OAP
(out-ofnetwork)
• $1,400 annual deductible
• If you go to a provider who is not
in the network, there is no limit
to what you will pay.
• $2,800 annual deductible
• If you go to a provider who is not
in the network, there is no limit
to what you will pay.
* Copay amount applies to in-network primary care providers only. Specialists will be treated as all other covered services.
** There is an annual maximum of $2,000,000 but no lifetime maximum.
Kaiser Medical Plans
Kaiser offers HMO plans in certain areas. Go to myjbhunt.com/benefits to find out if you
are eligible to enroll in an HMO and to view details of the HMO medical plans.
Use pre-tax dollars and save
A Flexible Spending Account, or FSA, is a great way to use pre-tax dollars to pay for child
care or for qualified medical expenses that may not be covered by your medical plan.
The way an FSA works is pretty simple. You determine how much you want to put in your
account each week to pay for services like daycare or other qualified health care expenses.
You’ll get a debit card to pay for any expenses. It’s that easy.
There are a couple things you need to know about FSAs:
• You get the same triple tax advantage that a Health Savings Account provides.
• You can’t change your contribution amount during the year unless you have a
“qualifying” event like having a baby or if you get married. Maximum contribution
amounts for 2013 are:
• $2,500 Health Care FSA
• Up to $5,000 Dependent Care FSA (based on your tax filing status)
• If you don’t use all of the money during the year, you lose it.
You can enroll in a Health Care FSA if you think you’ll need additional tax-free dollars
to pay for medical expenses. If you enroll in a Health Savings Account and a Health
Care FSA, your FSA would be limited to use for dental and vision expenses only.
For more information on FSAs, go to the Benefits tab on myjbhunt.com or call the
HR Solution Center team at 800-777-4968. Visit irs.gov to see a full list of FSA
qualified health care expenses.
4 |
To enroll, go to myjbhunt.com/benefits
Which medical plan works best for you?
Need help deciding which plan to choose?
Below are two people with common medical conditions that show
how the HSA Medical Plan and the PPO/OAP Plan would pay for services.
GLORIA
Gloria is enrolled in single coverage
and currently has no dependents.
Her husband is covered by his employer.
Gloria is expecting a baby
Her total estimated cost
HSA National
Her annual premiums
$7,540*
PPO/OAP
HARRY
Harry, his wife and four children
are enrolled in family coverage.
Harry has Type 2 diabetes
$4,100 annually*
His total estimated cost
HSA National PPO/OAP
$1,168.95
$1,845.48
$5,974.80
$7,472.92
His annual premiums
Her annual deductible + $1,325.00
+ $700.00
+ $2,650.00
+ $1,400.00
His annual deductible
Her coinsurance amount
+ $621.50
+ $1,368.00
+ $145.00
+ $540.00
His coinsurance amount
Her TOTAL cost
$3,115.45
$3,913.48
$8,769.80
$9,412.92
His TOTAL annual cost
*Source: Department of Labor
Open Enrollment is Oct. 15–Nov. 15, 2012 |
5
Ed Krasousky,
a 31-year-old driver
from Pittsburgh,
Pennsylvania, says,
“When I saw my DOT
physical numbers, I
thought I’m either going
to lose my career or
die. And I didn’t want
either one to happen.”
When Ed was diagnosed
with Type 2 diabetes, he
worked with a Personal
Health Team (PHT)
coach to make lifestyle
changes including losing
weight and keeping it
off. Ed believes, “You
can do it, but it’s hard.
J.B. Hunt drivers can
have someone to check
in with. It’s a good
feeling when you have
somebody who cares
about your progress.”
Express Rx…
at your fingertips
Express Scripts mobile
is a free app that lets
you order refills, check
status, find a pharmacy
and more at www.
express-scripts.com/
mobile.
Your pharmacy benefit
Using generic drugs is a great way to save money. Generics are equivalent to brandname drugs and must meet the same FDA quality and safety standards. They will
treat your medical condition the same as brand-name drugs.
Using home-delivery can save you even more money. You can get a 90-supply of your
maintenance medications for less than you would pay at a retail pharmacy for a
90-day supply, and they’re delivered right to your home! If you are interested or ready
to enroll in home-delivery service, call Express Scripts toll free at 877-804-4111.
Keep in mind, non-preferred brand-name drugs will not be covered. Specialty injectables
are available through mail order only. You pay 20% but no more than $100 for a 30-day
supply or 20% but no more than $200 for a 31-90 day supply. If you enroll in the HSA
Medical Plan, you must first meet your annual deductible to receive this benefit.
If you choose an HSA Medical Plan or the PPO/OAP Medical Plan, your prescription drug
benefits will be provided by Express Scripts. Go online to www.express-scripts.com or call
Express Scripts at 877-804-4111 to find out if your pharmacy is in the network.
If you enroll in the
HSA Medical Plan:
Retail Pharmacy
(up to 30-day supply)
Home Delivery Service
(up to 90-day supply)
Generic drugs
$10 copay after you’ve met
your deductible*
$25 copay after you’ve met
your deductible*
Preferred brandname drugs
$20 copay after you’ve met
your deductible*
$50 copay after you’ve met
your deductible*
Non-preferred
brand-name drugs
No coverage
No coverage
A
great way
to save!
*The HSA deductible applies to non-preventive drugs. There is no deductible for approved preventive drugs.
Visit www.express-scripts.com to see a full list of preventive drugs.
If you enroll in the
PPO/OAP Medical Plan:
Retail Pharmacy
(up to 30-day supply)
Home Delivery Service
(up to 90-day supply)
Generic drugs
$15 copay
$37.50 copay
Preferred brandname drugs
$30 copay or 20%,
no more than $60
$75 copay
Non-preferred
brand-name drugs
No coverage
No coverage
If you choose a Kaiser Deductible HMO Medical Plan, your pharmacy coverage will be provided through Kaiser. Go to myjbhunt.com/benefits for more information.
6 |
To enroll, go to myjbhunt.com/benefits
Your dental and vision plans
Your dental plan
Good dental care is more than just a great smile—it’s important to your overall health.
Regular preventive dental care (check-ups and cleanings) can help your dentist find and
fix problems before they become serious.
J.B. Hunt offers dental coverage during your first year of employment. You can enroll in
the Limited Dental Plan, a “bridge plan” that will help bridge the gap until you are eligible
to enroll in the Full Dental Plan. Keep in mind, your coverage in the Limited Dental Plan
will end on your first anniversary of employment. In order to ensure you don’t have a
lapse in coverage, you can enroll in both the Limited and Full Dental Plans during your
initial eligibility period, and premiums and coverage for the Full Dental Plan will not start
until the day following your one-year anniversary.
Go to myjbhunt.com to find a Delta Preferred dentist to save money on your dental care.
Limited Dental Plan
According to WebMD:
• Heart disease, clogged
arteries and stroke
may be linked to
oral bacteria due to
chronic gum disease.
• Gum disease in
pregnant mothers
has been linked to
premature birth and
low birth weight.
Full Dental Plan
Key features
In-network
Maximum annual benefit
Deductible (per person)
Out-of-network
In-network
$1,000
Out-of-network
$1,500
$50
$50
$50
$50
No charge
The plan pays
90%
No charge
The plan pays
80%
Basic care
(fillings, extractions,
periodontic treatment)
The plan pays
60%
The plan pays
50%
The plan pays
80%
The plan pays
60%
Major care (bridges, inlays,
crowns and dentures)
No coverage
No coverage
The plan pays
70%
The plan pays
50%
Orthodontia
($1,500 lifetime maximum
per person)
No coverage
No coverage
The plan pays
50%
The plan pays
50%
Preventive care
(check-ups, cleanings)
Your vision plan
Good news! In 2013, your vision plan will now pay up to $130 for replacement frames each
plan year.
J.B. Hunt offers a vision plan through Superior Vision with copays as little as $10 for exams,
$20 for lenses and frames, and $25 for contact fittings at a network provider. Coverage
is limited to once every 12 months for exams, lenses and contacts and once every 24
months for frames.
A
great way
to save!
You can use money
in your Health Savings
Account or Flexible
Spending Account
to pay the copay and
coinsurance amounts
for dental and vision
services.
Go to www.superiorvision.com to find a network vision provider in your area. Keep in mind,
there is no coverage if you go to a provider who is not in the Superior Vision network.
Open Enrollment is Oct. 15–Nov. 15, 2012 |
7
Life and disability benefits
for you and your family
Company-paid life insurance
J.B. Hunt provides all full-time employees
who work at least 36 hours a week with
life insurance at no cost. And if you leave
J.B. Hunt, you can convert this coverage
to an individual policy.
Company-paid Basic AD&D
Account Rep Amy
Bunt appreciates the
support J.B. Hunt offers
and recently took major
steps in improving her
health by losing 37 lbs.
and taking a Health
Assessment. Amy says
her 2 1/2 year old son,
Dalton, was a motivator:
“I want to be around for
him and be able to play
with him.”
It’s important that
you review your
beneficiaries during
Open Enrollment.
8 |
J.B. Hunt provides all full-time drivers and
shop employees with $15,000 in Basic
AD&D coverage at no cost.
Disability insurance will replace a portion
of your income if you cannot work due to
an illness or injury.
Driver disability
Drivers can enroll in two- or five-year disability
coverage during their initial eligibility period
or during Open Enrollment. You cannot
enroll any other time during the year. There
is a 30-day waiting period from the day the
disability begins until benefits may be paid.
Short-term disability
Supplemental life insurance
All full-time employees who work at least
36 hours a week can enroll in supplemental
life insurance any time during the year.
If you enroll after your initial enrollment
period, you will be required to provide
Evidence of Insurability to prove you are
eligible for coverage. You can purchase
life insurance in increments of $25,000 up
to a maximum of $150,000 or $500,000
depending on your position.
Voluntary supplemental AD&D
All full-time employees are eligible to enroll
for supplemental AD&D coverage once they
become benefits-eligible. You can cover
yourself from $25,000 to $300,000. Your
dependents’ coverage will be based on
the amount you choose for yourself.
To enroll, go to myjbhunt.com/benefits
Full-time, active office and shop employees
are automatically enrolled in the shortterm disability plan on the 181st day of
employment. Short-term disability replaces
a portion of your J.B. Hunt income when
you are unable to work due to qualified
illness or non-work related injury and
covers the first 26 weeks of disability.
Long-term disability
If your disability lasts longer than 26 weeks,
long-term disability will provide you with
60 percent of your pre-disability monthly
earnings (less any other income you have).
For more information concerning these
benefits go to myjbhunt.com/benefits.
Why save in the J.B. Hunt 401(k)?
Because we pay you to save!
J.B. Hunt will match $.50 for each dollar you save up to a maximum of 3% of your pay. You must
contribute at least 6% of your pay to receive the maximum company contribution. And since your
contributions are taken out of your paycheck before taxes are calculated, you will save even more.
Your annual pay is:
J.B. Hunt will give you:
$20,000
$30,000
$40,000
For example,
if you save 6% of
your pay and…
$600
$900
$1,200
THINK YOU CAN’T AFFORD TO SAVE? ACTUALLY, YOU CAN’T AFFORD TO WAIT.
You don’t have to save a lot each paycheck to build a nice nest egg for your future.
That’s because the money you save now has time to grow. Even if the economy is uncertain, investing
your savings over a long period is one way to make sure you have money to help during your retirement.
Let’s look at an example of Arnie who is 30 years old and makes $40,000 a year.
If Arnie saves a small percentage of his pay in the J.B. Hunt 401(k) plan:
2%
3%
4%
6%
A cup of coffee
each work day
(about $15/week)
Cable TV with
premium channels
(about $25/week)
Two large pizzas
with double pepperoni
(about $30/week)
Shopping trip
(about $45/week)
In 30 years, Arnie could have saved as much as:
**
$100,000
$150,000**
$200,000**
$300,000**
Just think—if you skipped your weekly pizza and saved some money instead,
you could have a nice nest egg for the future.
Use this mobile app to:
View your 401(k) account
balance, manage your
investments and more at
m.benefits.ml.com.
*IRS limits for 2012 are $17,000. If you’re 50 years old or older, you may be entitled
to catch-up contributions. **This hypothetical illustration assumes a 6% annual
effective rate of return and pre-tax contributions made at the beginning of each
month. Amounts shown are rounded to the nearest dollar. Hypothetical results are
for illustrative purposes only and are not meant to represent the past or future
performance of any specific investment vehicle. Investment return and principal
value will fluctuate and when redeemed the investments may be worth more or
less than their original cost. Taxes are due upon withdrawal. If you take a withdrawal
prior to age 59 1/2, you may also be subject to a 10% tax penalty.
9
Weekly rates
(biweekly rate is 2 times the weekly rate)
HSA National Medical Plan
Coverage
Rate before
any available
discounts
Tobacco-free discount
Health Assessment discount
You
Your spouse
You take it
Your spouse
takes it
Employee Only
$22.48
-$5
N/A
-$5
N/A
Employee + Spouse
$89.85
-$5
-$5
-$5
-$5
Employee + 1 Child
$61.97
-$5
N/A
-$5
N/A
Employee + 2 Children
$64.55
-$5
N/A
-$5
N/A
Employee + 3 or more Children
$68.00
-$5
N/A
-$5
N/A
Employee + Family
(Spouse + 1 Child)
$106.68
-$5
-$5
-$5
-$5
Employee + Family
(Spouse + 2 Children)
$110.79
-$5
-$5
-$5
-$5
Employee + Family
(Spouse + 3 or more Children)
$114.90
-$5
-$5
-$5
-$5
Calculate the
amount your
rate could be
HSA Arkansas Medical Plan
Coverage
Rate before
any available
discounts
Tobacco-free discount
Health Assessment discount
You
Your spouse
You take it
Your spouse
takes it
Employee Only
$17.93
-$5
N/A
-$5
N/A
Employee + Spouse
$81.75
-$5
-$5
-$5
-$5
Employee + 1 Child
$54.85
-$5
N/A
-$5
N/A
Employee + 2 Children
$57.88
-$5
N/A
-$5
N/A
Employee + 3 or more Children
$60.91
-$5
N/A
-$5
N/A
Employee + Family
(Spouse + 1 Child)
$95.84
-$5
-$5
-$5
-$5
Employee + Family
(Spouse + 2 Children)
$99.43
-$5
-$5
-$5
-$5
Employee + Family
(Spouse + 3 or more Children)
$103.02
-$5
-$5
-$5
-$5
Calculate the
amount your
rate could be
PPO/OAP Medical Plan
Coverage
10 |
Rate before
any available
discounts
Tobacco-free discount
Health Assessment discount
You
Your spouse
You take it
Your spouse
takes it
N/A
-$5
N/A
Employee Only
$35.49
-$5
Employee + Spouse
$114.58
-$5
-$5
-$5
-$5
Employee + 1 Child
$84.66
-$5
N/A
-$5
N/A
Employee + 2 Children
$88.37
-$5
N/A
-$5
N/A
Employee + 3 or more Children
$93.33
-$5
N/A
-$5
N/A
Employee + Family
(Spouse + 1 Child)
$133.01
-$5
-$5
-$5
-$5
Employee + Family
(Spouse + 2 Children)
$138.36
-$5
-$5
-$5
-$5
Employee + Family
(Spouse + 3 or more Children)
$143.71
-$5
-$5
-$5
-$5
To enroll, go to myjbhunt.com/benefits
Calculate the
amount your
rate could be
Kaiser Deductible
HMO Medical Plans
Rates in the Kaiser plans
are increasing for 2013.
Find a list of all Kaiser rates
at myjbhunt.com/benefits or
when you go online to enroll.
Rates will display during
your enrollment session.
Vision Plan
Coverage
Dental Plans
Rates
Coverage
Limited
Dental
Full
Dental
Employee Only
$1.52
Employee Only
$2.78
$2.84
Employee + Spouse
$3.26
Employee + Spouse
$5.56
$5.70
Employee + Children
$2.47
Employee + Children
$5.27
$5.40
Employee + Family
$4.32
Employee + Family
$7.79
$7.98
Driver Disability
New York and New Jersey
2-Year
Option
5-Year
Option
Under 40
$3.20
$5.86
40-49
$5.46
50+
$8.34
Age
California
All others states
2-Year
Option
5-Year
Option
Under 40
$2.02
$3.68
$9.95
40-49
$3.73
$15.21
50+
$5.55
Age
2-Year
Option
5-Year
Option
Under 40
$4.28
$7.80
$6.77
40-49
$7.64
$13.92
$10.10
50+
$11.43
$20.86
Age
Voluntary Supplemental AD&D
Coverage
Rate for $300,000
of coverage
Employee Only
$2.33 per
$1,000 of coverage
Employee + Family
$3.60 per
$1,000 of coverage
Supplemental Life Insurance
Age
Rate per $100,000
of coverage
Under 30
$0.08
30-34
$0.09
35-39
$0.15
40-44
$0.19
45-49
$0.26
50-54
$0.43
55-59
$0.76
60-64
$1.11
65-69
$2.01
70-74
$2.50
75+
$3.52
Open Enrollment is Oct. 15–Nov. 15, 2012 |
11
3 easy steps to enroll
You can enroll online for your 2013 benefits anytime beginning Oct. 15 and ending Nov. 15, 2012.
Learn what’s available for 2013.
1
Read this guide and go to myjbhunt.com/benefits
to learn about your medical and other benefit plans.
Decide
D
id what you and your family need for 2013.
Talk with your family and use this guide to help you decide
which plans meet you and your family’s needs and budget.
2
Go online and enroll.
3
If you know what you want, go to
myjbhunt.com/benefits and click on the
link in the banner and make your selections.
If you don’t enroll…
• If you currently have coverage and don’t go online and enroll between Oct. 15 and
Nov. 15, 2012, you will automatically be enrolled in the same plans you are currently
in, but you will not be eligible for the tobacco-free discount or the Health Assessment
discount (unless you and/or your spouse took the assessment in 2012).
• If you currently have no coverage and don’t go online and enroll, you will have NO
coverage in 2013.
Keep in mind, if you miss this opportunity to enroll, you will not be able to make any
changes to your medical or most other coverage plans until the next open enrollment
period unless you have a qualifying event.
12 |
To enroll, go to myjbhunt.com/benefits
Need help?
IF YOU HAVE QUESTIONS OR NEED TO:
CALL OR GO HERE…
• Verify when you’re eligible for benefits
• Add (or remove) someone to/from your benefits
(like a spouse or a baby)
• Open a Health Savings Account or change your contribution amount
800-777-4968—The HR Solution Center or submit
a question to HR_Solution_Center@jbhunt.com
• Quit tobacco, manage stress or manage an illness
• Learn about or maintain a chronic medical condition
877-459-9896—Personal Health Team
24/7 access to a doctor for common, non-emergency conditions
when your doctor isn’t available ($38 per use)
888-632-2738—MDLIVE or www.mdlive.com/jbhunt
Get connected with medical specialists with expertise to evaluate
your personal medical situation and guide you to the best solution
for your condition
888-851-8075—Advance Medical
•
•
•
•
Find an in-network doctor, hospital or lab
Find out the status of a medical claim
Find out if a procedure is covered by your medical plan
Find out if you have met your annual deductible
If you enroll in a CIGNA HSA
or PPO/OAP Medical Plan
800-244-6224
If you enroll in the BlueCross
BlueShield PPO/OAP Medical Plan
866-278-2402
If you are enrolled in a Kaiser HMO:
California residents
800-464-4000
Oregon residents
800-813-2000
Georgia residents
800-611-1811
• Enroll in or ask questions about the 401(k) plan
• Change your 401(k) contribution amount or your
investment elections
800-228-4015—Merrill Lynch
or at www.benefits.ml.com
Review or find out more about your Health Savings Account
or Flexible Spending Account
888-448-7177 or at www.connectyourcare.com
•
•
•
•
877-804-4111—Express Scripts
or at www.express-scripts.com
Find the price of a prescription drug
Locate an in-network pharmacy
Verify your prescription benefits
Sign up for the prescription Home Delivery Service
Find a network dentist or verify your dental benefits
800-462-5410—Delta Dental
or myjbhunt.com/benefits
Find a network vision care provider or verify your vision benefits
800-507-3800—Superior Vision
or www.superiorvision.com
• Learn about your life insurance coverage options
• Change your life insurance beneficiaries or coverage amount
myjbhunt.com/benefits or
the HR Solution Center at 800-777-4968
Go to www.thehartfordatwork.com or for:
File a disability claim
Driver Disability
888-260-1223
STD—Office/Shop
800-741-4306
LTD—Office/Shop
800-303-9744
myjbhunt.com/benefits—Your online resource for benefits information
You can find a copy of the Summary of Benefits and Coverage (SBC) at myjbhunt.com/benefits,
or you can request a paper copy by calling the HR Solution Team at 800-777-4968.
Presorted
First Class Mail
U.S. Postage Paid
Twin Cities, MN
Permit # 31311
Change
begins
with you
2013 Open Enrollment
is Oct. 15–Nov. 15, 2012