Watch your home mail for your personalized statement showing the elections you actively made or defaulted to during the 2014 benefits annual enrollment. Carefully review your elections and dependent information. If you have any questions about your elections, please call Your Benefits Resources (YBR) at 1-877-262-4849. Representatives are available 8 a.m. to 9 p.m. (Eastern time), Monday through Friday.

Starting January 1, 2014, the network for the HSA and PPO medical plans will move from Aetna to Blue Cross Blue Shield of Texas (BCBSTX). Chances are your provider will be in the BCBSTX network. If your doctor is not in the BCBSTX network, you can nominate him or her to participate in the BCBSTX network by following these steps: 

• Go to bcbstx.com and click on Find a Doctor from the main page to go to the Provider Finder.
• Use the “Network Type” drop-down menu and choose Blue Choice PPO.
• Select the state you live in from the drop-down menu. The correct network name for your state will appear in the “Network Type” field. If you are searching California. Washington or Idaho, you will be asked to enter the first three letters of your member ID; enter BMY to access the correct network.
• Click on Find.
• If your provider isn’t listed in the results page, click on Recommend a provider to your network under Other Options on the left side of the page.
• Complete the form and press Submit.
• BCBSTX will attempt to reach your provider. If your provider agrees to participate in the BCBSTX network, integration into the network can take up to 90 days.
• Nominating a provider does not guarantee the provider will agree to participate in the BCBSTX network.

Skip the trip to the doctor and time in a waiting room filled with other sick people. Beginning January 1, 2014, you can talk to a doctor without leaving home. With the new telemedicine service through Teladoc, you can use your smart phone, tablet or web browser for a quick, convenient consultation with a U.S. board-certified doctor about your health concern or issue.

Teladoc is like having a doctor on-call for an online or phone consultation anytime. It is available to anyone covered by the HSA or PPO medical plan. You’ll pay a $40 consultation fee at the time of service, and Teladoc accepts all major credit cards, including the Your Spending Account™ debit card.

Why Use Teladoc?

• Fast treatment. Teladoc doctors respond within 22 minutes, on average.
• Convenience. Talk to a Teladoc doctor from anywhere: at home, work, or when travelling.
• Save money by avoiding expensive urgent care or emergency room visits.

When to Call Teladoc

• When you need care now.
• If you’re considering the emergency room or urgent care center for issues that aren’t  life threatening.
• For short-term prescription refills.

If you have funds remaining in your 2013 Flexible Spending Accounts (FSAs) — (Health Care, Limited Use or Dependent Care) — be sure to keep the following deadlines in mind:

• December 31, 2013 is the deadline to incur eligible expenses that can be reimbursed from your 2013 FSA(s). Under IRS regulations, you must forfeit any money left in your account after all the year’s expenses have been paid.
• You have until March 31, 2014 — 90 days after the plan year (Jan.1 – Dec. 1, 2013) to submit a claim for reimbursement to Your Spending Account™, the FSA administrator, for expenses incurred during the plan year.

BMC offers tuition assistance to help you continue your education, strengthen your skills and build a stronger career. If you are registering for spring college courses and want to use your tuition reimbursement benefit, you’ll want to know the ins and outs of the pre-approval and claims processes.

You need to complete two steps before your tuition reimbursement request is processed by Your Spending Account™ (YSA), the BMC Tuition Reimbursement Program administrator:

1. Before your course begins: Your manager must sign a pre-approval form that you submit to YSA along with other required documents.
2. After your course ends: You must request reimbursement of expenses through YSA within 90 days of your course end date.

For more information about the tuition reimbursement process, please read the How to Request Tuition Reimbursement step-by-step guide. You can also call YSA at 1-877-262-4849 (select option 2–Your Spending Account).

 The table below shows the 2014 BMC 401(k) Plan contribution limits as defined by the IRS.

Important Note: Your participation in the BMC 401(k) Plan for 2014 will stop at the first limit you reach. Plan your contribution percentage carefully to reach the IRS maximum and to receive the maximum BMC matching contribution. To learn more, watch this video about the BMC 401(k) Plan and use the BMC Retirement Savings Calculator (updated with 2014 limits on December 6, 2013).

Remember, you must change your contribution election between December 20, 2013 and January 7, 2014 if you want new deductions to begin with your first paycheck in January. 

Every quarter, Fidelity's Asset Allocation Research Team (AART) compiles a comprehensive quarterly market update. The update gives you a comprehensive perspective on financial market conditions, including an in-depth review of where and why the market has moved in a particular direction. Read the fourth quarter 2013 report.