2016 Annual Enrollment Nov. 2 - 13

Enrolled in the PPO medical plan?

Think you're not healthy enough to switch to the HSA plan? Think the HSA is too hard to use? Or too expensive? Which myth is keeping you stuck in the PPO? Come see whether we can smash that myth!

View the 2016 benefits costs.

Download the 2016 enrollment brochure.

See a 2016 enrollment meeting presentation.

What's new for 2016

1. Benefits Cost Changes

   Like most employers, BMC's medical costs continue to rise. You can expect to pay a higher monthly cost for medical coverage next year. Your paycheck contributions will increase between $6 and $40 per month depending on the medical option you choose and number of dependents you are covering.

   Dental and vision. Your paycheck contributions for dental and vision coverage will increase slightly.

   See your 2016 prices now or on YBR when you enroll.

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2. New Tax-Free Limits

   Make the most of the new FSA limit. You can contribute up to $2,550 (up from $2,500) in your Health Care Flexible Spending Account (HCFSA). Remember, you can roll forward up to $500 in your HCFSA at the end of the year.

   Save more HSA dollars in 2016. All Health Savings Account (HSA) plan participants are able to contribute up to an annual maximum of $3,350 (no change) for employee-only and $6,750 (new for 2016) for family coverage.

   BMC will once again contribute to your HSA at the same levels as 2015 if you stay in the HSA medical plan.

   	If your base salary is $75,000 or less		If your base salary is more than $75,000
   	You-Only Coverage	Other Coverage Levels	You-Only Coverage	Other Coverage Levels
   BMC Contributes	$750	$1,500	$500	$1,000
   You Contribute	Up to $2,600	Up to $5,250	Up to $2,850	Up to $5,750
   Total 2016 contribution allowed by the IRS (yours and BMC's)	$3,350	$6,750	$3,350	$6,750

   If you will be age 55 or older anytime during 2016, you can contribute an additional $1,000 to your HSA.

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3. Prescription Drug Program Changes

   Express Scripts works with BMC to help you get the right kind of prescription medicine for your health, and to help you save money through medication management programs.

   BMC will make the following changes to the prescription drug program for 2016.

   Generic preferred

   This new program is designed to encourage the use of generic medications to lower prescription drug costs.

   Here's how it works:

   • When you fill a prescription, the pharmacy will determine whether a generic equivalent is available.
   • If a generic is available and you choose the brand-name medication rather than the generic option, you will pay the brand-name copay/coinsurance plus the difference between the cost of the brand-name medication and the equivalent generic medication. The additional cost applies regardless of whether your doctor prescribes a brand-name drug.
   • If a prescription does not have a generic equivalent available, you will pay the brand-name copay/coinsurance (preferred or non-preferred) depending on the drug.

   Exclusive Home Delivery

   This new program encourages you to obtain medicines you take for an ongoing health condition, such asthma, heart burn, or high blood pressure, from the Express Scripts Exclusive Home Delivery service. With mail order, you can sign up to get your 90-day supply of your ongoing medications (maintenance medications) sent to your mailbox. And it saves both you and BMC money.

   Here's how it works:

   • You can fill a new maintenance medication up to three times at a local retail pharmacy before mail order is required.
   • Beginning with the fourth fill, you will pay the full cost of the drug if you continue to fill at a retail pharmacy. Your cost will not go toward your medical plan annual deductible or annual out-of-pocket maximum.

   Get the full list of mail-order medications here.

   To order through Express Scripts Exclusive Home Delivery service, visit express-scripts.com, or call 1-866-577-2523.

   If you are impacted by these changes, Express Scripts will send you a letter with suggested steps to take to avoid paying higher costs for your medication.

   See the Frequently Asked Questions and Answers about Medication Management for more information about these changes.

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4. Our Partnership in Health Care

   Rising health care costs are a concern we all share. As employees, you need continued access to high-quality, affordable coverage. As a business, BMC must manage costs to remain competitive. Together, we pay the bill. Two key factors determine the cost of coverage under the BMC Medical Plan:

   • The cost of health care services — the amount doctors, hospitals and other health care providers charge for their services
   • The total dollar amount of the claims paid on behalf of BMC Medical Plan participants in previous years — which is used to predict future costs and determines the rates for health care coverage. So when we spend more during a year, it drives higher costs for BMC and increased employee rates the next year.

   You Can Help Control Costs

   Our commitment is to offer you access to the tools and resources that help you understand and maximize your benefits. From electing the right coverage, to shopping smart for your benefits, to participating in the BMC bWell wellness program, your role is to remain actively involved in your health care — all year long!

   How Does BCBS Fit In?

   The BMC medical plan is self-funded, which means BMC acts as the insurance company. Claims are paid using money BMC and you contribute for coverage. Blue Cross Blue Shield of Texas (BCBSTX) is the administrator that applies network discounts and processes the claims. Then BCBS pays the claims using a BMC account, which is funded by BMC and your paycheck deductions.

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5. New Tools…Good Medical Decisions

   Starting in January, you will have access to free cost-saving tools and resources to help you make good medical decisions – Best Doctors® and Healthcare Bluebook.

   Best Doctors

   Best Doctors is a free, confidential program that gives you and your covered dependents access to objective guidance from best-in-class specialists when you're faced with important decisions about your medical diagnosis or treatment plan.

   Here are four ways you can feel more confident about your health care decisions with the help of Best Doctors:

   • In-Depth Medical Review — Get a second opinion. An expert specialist will review your medical diagnosis and treatment plan and either confirm what you've been told or recommend a change.
   • Ask the Expert — Get advice from expert doctors about your particular medical condition from a doctor who fully understands your situation.
   • Find a Best Doctor — Find an in-network specialist you can trust from the Best Doctors database of doctors voted best-in-class by their medical peers.
   • Critical Care Support — Get advice from emergency medical experts after a serious accident or medical event, such as spinal cord injuries, traumatic brain injuries, severe burns or sepsis.

   Healthcare Bluebook

   Healthcare Bluebook is an online tool that helps you to find the best prices for the healthcare services you may need — from surgery to doctor visits and medical tests. With Healthcare Bluebook, you can shop for care and get the most affordable care available in your area, from high-quality providers.

   See the 2016 U.S. Benefits Guide for more information about how you can use these tools to make good medical choices.

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6. Wellness: It Pays to Participate

   If you participated in the BMC Wellness Program in 2015 and met the deadlines, you earned a discount on your 2016 medical premium. The Enroll in Your Benefits page on YBR will show the discounts you've earned.

   bWell 2016 Olympics

   Qualifying is under way for the 2016 bWell Olympics. When you complete your Well-Being Assessment and health screening you qualify for the games, earn 1,000 points, and receive a Fitbit activity tracker. After qualifying, you become a medal contender and start earning rewards. Get the details.

   Olympic Medal	Points	Reward
   Bronze	3,000	$200 savings on your 2017 paycheck contributions for medical
   Silver	5,000	Additional $300 savings on your 2017 paycheck contributions for medical
   Gold	7,000	Entered into the grand prize drawing for a trip for two to the Summer Olympics in Rio de Janeiro.

   
   

   All employees can compete

   All employees can participate in the 2016 bWell Olympics. The Bronze and Silver rewards are limited to employees covered on a BMC medical plan.

   Let the Olympic spirit inspire you on your own personal well-being journey. Go to mybmcwellness.com to start your Well-Being Assessment today.

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7. If You Don't Enroll by Nov. 13

   Even if you're happy with your current coverage, we encourage you to review your enrollment elections this year.

   If you don't take action during Annual Enrollment, you'll have the same benefit coverage that you have for 2015, with higher paycheck contributions for medical, dental and vision. However, you will miss your opportunity to contribute to your Health Savings Account or a Flexible Spending Account (FSA) in 2016. You must go online and actively elect how much you want to contribute to these accounts for the year.

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8. Ready to Enroll?

   Enroll — It's Easy and Quick!

   Complete these steps between November 2 and 13 to get the coverage that's right for you and your family.

   • The easiest way to access your benefits and enroll is through the MyBMC Rewards website. Log on and select Enroll Now! to go to Your Benefits Resources^™(YBR).
   • Once you're on the YBR website, you'll be guided through simple steps that will help you make good decisions. Use the online tools, like the Medical Expense Estimator, to help you understand the impact of your choices.
   • Review your benefit decisions and payroll deductions to be sure they reflect your elections.
   • Click the Complete Enrollment button to submit your benefit elections. If YBR has your valid email address on file (under Your Profile), you'll receive an email confirmation of your elections.
   • After Annual Enrollment, a confirmation statement will be mailed to your home. Check it carefully!
   • If you find any mistakes, call the Benefits Center immediately. If you don't correct any errors before December 31, 2015, you won't be able to change your elections for 2016 unless you have a qualified status change.

   If you leave the YBR website before submitting all of your elections, your benefit choices will not be saved or processed. Look for the "Completed Successfully" message to signal that your enrollment has been completed, and print this page as confirmation of enrollment.

   Need assistance?

   If you need assistance using YBR, call a Benefits Center representative at 1-877-262-4849, 8 a.m. to 9 p.m., Eastern time. When you call, enter your ID and password and select Your Benefits Resources.

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