PMHIC 2023 Program Information

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Groups working together to lower health benefit costs through self-funding.

Municipalities working together to lower health benefit costs through self-funding.

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Table of Contents

4

A Letter to Our Members

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Meet the PMHIC Team

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PMHIC Board of Directors

9

Membership Report

10

Surplus Distribution

18

Wellness Grant

19

Account Services

20

Open Enrollment Reminder

21

ConnectCare3

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Life & Disability Program

24

Administrative Services

26

2023 Health Benefits Seminar

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It all started with four local government groups in 1991

Recognizing the effectiveness of group purchasing, Benecon pioneered self-funded consortium and cooperative programs. Today, we’re proud to manage fourteen programs across the country and maintain membership retention of more than 98%. With our full suite of services, Benecon is able to provide unlimited expert support through Account Management, Actuarial, Compliance, Finance and the Producer Services Divisions. With the unparalleled Nurse Navigation and Wellness Services of our subsidiary, ConnectCare3, Benecon is a powerhouse in the self-insurance marketplace.

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A Letter to Our Members October 1, 2022 Dear PMHIC Members, Thank you for being a valued customer of the Pennsylvania Municipal Health Insurance Cooperative (PMHIC). We strive to continue providing seamless service and stability to our members. On behalf of the PMHIC Board of Directors, thank you for your ongoing participation in the program.

For 2023, the average renewal increase for the 288 members of PMHIC is 8%. When developing the rates for individual members, the actuarial staff considered the following: • • • •

Medical trend estimate (projected at 8% for 2023) Plan designs and demographics for each member group Claims experience for 2020, 2021 and the first six months of 2022 Other relevant factors

Everest Re will remain as our stop loss partner for PMHIC, and we continue to stabilize the reinsurance costs through our partnership.

Your renewal is only one indicator of the total cost of your health insurance program. For the 2021 plan year, 79% of PMHIC members received a surplus. When combining surplus returns with your projected 2023 costs, many members experience level funding or decreases in their total costs.

This renewal booklet and accompanying packet include other information relating to your 2023 renewal, the PHMIC program, Benecon, your claim fund performance and dental & vision rates. Additionally, the packet contains information regarding an important meeting of the Board of Directors where we need you to complete a ballot and a proxy form. We hope you take a few minutes to review this important information.

We appreciate your participation in PMHIC and look forward to serving you in 2023. We sincerely hope that you, your families and employees continue to remain safe and healthy.

Sincerely,

Michelle Joy VP Account Management

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Fred Bean VP Program Management

Meet the PMHIC Team

Kristen Abner Senior Account Manager

Jo Schweitzer Associate Account Manager

Amy Smith Senior Account Manager

Missy Leader Associate Account Manager

Kate Lobley Senior Account Manager

Lynette Ashmore Associate Account Manager

Danielle Omans Account Manager

Tiia Huffer Associate Account Manager

LeeAnn Llewellyn Account Manager

Sandi Provost Associate Account Manager

Brian Zimmerman Account Manager

Cindy McKillips Associate Account Manager

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Using the Power of Group Purchasing to Lower Your Health Benefits Costs

Pennsylvania Municipal Health Insurance Cooperative (PMHIC) is a self-funded group purchasing program developed and administered by The Benecon Group for municipalities in Pennsylvania. Benecon is a nationally recognized leader in the industry, dedicated to providing its members with efficient and safe access to the self insurance market.

Surplus & Savings

Administered by Benecon

Full Transparency

Control

Flexibility

Proven actuarial pricing model

Any surplus after year end reconciliation is returned to the group

30+ years of experience $2.6+ billion administered funds 98% retention $579 million stop loss placed

Know where every dollar is spent

Choose the plan design that works best for your employees

Be in the driver’s seat when choosing your benefits

Priced by Benecon’s independent actuaries

To learn more about PMHIC please contact: The Benecon Group

717-723-4600 | 888-400-4647 info@benecon.com | www.benecon.com

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2023-2024 PMHIC Board of Directors 9 Members - 2 Year Term (1/1/23-12/31/24)

Ernie McNeely

Lower Merion Township, Township Manager 75 East Lancaster Avenue | Ardmore, PA 19003 Office: 610.649.4000 | emcneely@lowermerion.org

Patrick Caulfield

Schuylkill County Municipal Authority, Executive Director 221 South Centre Street | Pottsville, PA 17901 Office: 570.622.8240 | pcaulfield@scmawater.com

Troy Bingaman

Amity Township, Township Manager 2004 Weavertown Road | Douglassville, PA 19518 Office: 610.689.6000 | tbingaman@amitytownshippa.com

Shannon Berkey

Danville Borough, Borough Manager 463 Mill Street | Danville, PA 17821 Office: 570.275.3091 | sberkey@danvilleboro.org

Chairman

Vice Chairman

Secretary

Treasurer

Adam Brumbaugh

College Township, Township Manager 1481 E. College Avenue | State College, PA 16801 Office: 814.231.3021 | abrumbaugh@collegetownship.org

Jason Stains

Borough of Waynesboro, Borough Manager 55 East Main Street, Box 310 | Waynesboro, PA 17268 Office: 717.762.2101 | jason@waynesboropa.org

Tom Vernau

Lower Allen Township, Township Manager 2233 Gettysburg Road | Camp Hill, PA 17011 Office: 717.975.7575 | tvernau@latwp.org

Greg Wilson

City of Lock Haven, City Manager 20 East Church Street | Lock Haven, PA 17745 Office: 570.893.5907 | gwilson@lockhavenpa.gov

George Zboyovsky

Brentwood Borough, Borough Manager 3735 Brownsville Road | Brentwood, PA 15227 Office: 412.884.1500 | gzboyovsky@brentwoodboro.com

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PMHIC Membership Report

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Overview Number of Employer Groups

PMHIC Municipal Members as of 2012

200

2013

213

2014

219

2015

243

2016

261

2017

267

2018

266

2019

280

2020

281

2021

280

Employer Groups: 10/1/2022

288

Number of Municipal Members

Number of Employee Members

Berks Region

33

788

Capital Region

73

2,552

Centre Region

12

642

Lehigh Valley Region

44

1,463

Northeastern PA Region

68

2,294

Schuylkill Region

20

407

Southeastern PA Region

13

949

Western PA Region

25

702

288

9,797

Region

Total

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New Groups 2022 We would like to welcome our new 2022 groups!

Groups

Employee Count

Effective Date

West Hanover Township

21

10/1/2021

Erie County Housing Authority

23

12/1/2021

Central Susquehanna Regional 911 System

18

12/1/2021

Beaver Falls Municipal Authority

30

1/1/2022

Bethlehem Parking Authority

14

1/1/2022

Cheltenham Township

315

1/1/2022

Southeastern Chester County Refuse Authority

23

1/1/2022

Taylor Borough

19

1/1/2022

Delaware County Solid Waste Authority

21

10/1/2022

12

Members

Berks Member Amity Township

Employee Count

Member

Employee Count

31

Lower Heidelberg Township

17

Antietam Valley Municipal Authority

6

Maxatawny Township

6

Berks Area Regional Trans Auth (BARTA)

95

Muhlenberg Township

51

Bern Township

12

Northern Berks Regional Police Department

13

Birdsboro Borough

11

Reading Area Water Authority

71

Boyertown Borough

6

Shillington Borough

30

Caernarvon Township

12

Sinking Spring Borough

18

Central Berks Regional Police

22

South Heidelberg Township

19

Cumru Township

40

Spring Township

84

Delaware County Solid Waste Authority

21

Topton Borough

7

Douglass Township

8

Union Township

5

Eastern Berks Regional Police Department

15

Washington Township

9

Fleetwood Borough

13

West Reading Borough

13

Hamburg Borough

19

Western Berks Water Authority

10

Joint Municipal Authority of Wyomissing Valley

9

Womelsdorf Borough

5

Kutztown Borough

54

Wyomissing Borough

50

Lower Alsace Township

6

13

Members Capital Member

Employee Count

Member

Employee Count

Annville Township

15

Lower Swatara Township

25

Antrim Township

20

McSherrystown Borough

5

Borough of Lewisburg

5

Mercersburg Borough

6

Camp Hill Borough

27

Middlesex Township & Municipal Authority

30

Capital Region Water

127

Middletown Borough

28

Capital Tax Collection Bureau

11

Mifflinburg Borough

17

Carlisle Borough

105

Millersburg Borough

6

Carroll Valley Borough

11

Monroe Township

6

Central Susquehanna Regional 911 System

18

Myerstown Borough

10

Chambersburg Borough

224

New Cumberland Borough

24

City of Lebanon Authority

71

North Lebanon Township

30

Cornwall Borough

14

North Londonderry Township

27

County of Lebanon Transit Authority

34

North Middleton Authority

9

Cumberland County Tax Bureau

14

North Middleton Township

21

Cumberland Dauphin Harrisburg Transit Authority

103

North Newton Township

6

Cumberland Franklin JMA

9

Palmyra Borough

31

Cumberland Township

19

Penbrook Borough

16

Dauphin County Housing Authority

38

Shippensburg Borough

28

Derry Township

89

Silver Spring Township

55

Derry Township Municipal Authority

37

South Hanover Township

6

Dickinson Township

8

South Lebanon Township

19

East Pennsboro Township

69

South Londonderry Township

23

Franklin County Area Tax Bureau

10

South Middleton Township

35

Gettysburg Borough

26

Steelton Borough

26

Gettysburg Municipal Authority

16

Susquehanna Township

66

Greater Lebanon Refuse Authority

31

Swatara Township & Authority

123

Greencastle Borough

22

Tri-County Regional Planning Commission

12

Greene Township Board of Supervisors

18

Union Snyder Community Action Agency

17

Guilford Water Authority

26

Upper Allen Township

71

Hampden Township

112

Washington Township- Franklin

23

Highspire Borough

17

Washington Township MA

14

Hummelstown Borough

18

Waynesboro Borough

56

Lemoyne Borough

13

West Hanover Township

21

Littlestown Borough

14

West Pennsboro Township

11

Lower Allen Township

74

West Shore Regional Police Department

9

Lower Allen Township Authority

26

York Adams Tax Bureau

34

Lower Paxton Township

140

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Members Centre Member

Employee Count

Member

Employee Count

Bellefonte Borough

35

Ferguson Township

55

Borough of Lewistown

35

Granville Township

18

CATA (Centre Area Transportation Authority)

104

Harris Township

8

Centre County Recycling & Refuse Authority

69

Mifflintown Municipal Authority

6

Centre Region Council of Governments

68

Patton Township

43

College Township

30

State College Borough

171

Lehigh Valley Member

Employee Count

Member

Employee Count

Allentown Parking Authority

43

Lower Saucon Township

42

Bangor Borough & Bangor Authority

15

Lynn Township

7

Bethleham Parking Authoirity

14

Macungie Borough

10

Bethlehem Township

76

Moore Township

23

Bushkill Township

24

North Whitehall Township

16

Catasauqua Borough

29

Northampton Borough

40

Colonial Regional Police Department

25

Northampton Borough Municipal Authority

30

Coopersburg Borough

13

Palmer Township

85

Coplay Whitehall Sewer Auth

10

Pen Argyl Borough

9

East Allen Township

11

PlainfieldTownship

5

Emmaus Borough

64

Salisbury Township

48

Forks Township & Forks Township Police

41

Slate Belt Regional PD

21

Fountain Hill Borough

21

Slatington Borough

15

Hanover Township

20

South Whitehall Township

79

Hellertown Borough

29

Upper Macungie Township

72

Lehigh County Authority

66

Upper Milford Township

12

Lehigh Northampton Airport Authority

134

Upper Saucon Township

64

Lehigh Township

23

Weisenberg Township

10

Lehigh Valley Planning Commission

19

Whitehall Township

101

Lower Macungie Township

23

Whitehall Township Authority

7

Lower Milford Township

7

Williams Township

9

Lower Nazareth Township

14

Wilson Borough

37

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Members Northeastern Member

Employee Count

Member

Employee Count

Blossburg Borough

8

Lansford-Coaldale Joint Water Authority

6

Borough of Archbald

18

Lehighton Borough

26

Borough of Blakely

28

Lehman Township - Pike County

14

Borough of Honesdale

14

Lehman Township- Luzerne County

9

Borough of South Williamsport

19

Lycoming County Housing Authority

26

Brodhead Creek Regional Authority

23

Lycoming County Water & Sewer Authority

22

Butler Township

21

Mahoning Township

10

City of Carbondale

23

Middle Smithfield Township

24

City of Lock Haven

63

Monroe County Control Center

38

City of Nanticoke

43

Monroe County Transit Authority

34

City of Pittston

31

Montoursville Borough

18

City of Williamsport

335

Northern Tier Solid Waste Authority

64

Clarks Summit Borough

12

Old Lycoming Township

30

Clinton County Solid Waste Authority

62

Olyphant Borough

19

County of Lackawanna Transit System

90

Palmerton Borough

18

Dallas Area Municipal Authority

27

Pocono Mountain RPD

46

Dallas Borough

10

Pocono Township Commissioners

36

Dallas Township

26

Smithfield Township

4

Dickson City Borough

28

Stroud Area Regional Police Dept

41

Dunmore Borough

66

Stroud Township

14

East Stroudsburg Borough

25

Stroudsburg Borough

20

Edwardsville Borough

12

Sugarloaf Township

9

Endless Mountain Trans Authority

41

Taylor Borough

19

Fairview Township

9

Throop Borough

18

Greater Hazelton Joint Sewer Authority

33

Tiadaghton Valley Regional Police Dept

7

Hanover Township

54

Tobyhanna Township

8

Hazleton City Authority

48

Troy Borough

7

Hazleton City of

117

Tunkhannock Borough

6

Housing Authority of the County of Lackawanna

50

Weatherly Borough

14

Jersey Shore Borough

7

West Hazleton Borough

9

Kingston Borough

66

Wilkes Barre Township

19

Kingston Township

30

Wright Township

9

Lackawanna River Basin Sewer Authority

26

Wyoming County Redevelopment Authority

6

Lansford Borough

9

Wyoming Valley Sanitary Authority

16

160

Members Schuylkill Member

Employee Count

Member

Employee Count

Ashland Borough

14

Northumberland Borough

10

Bloomsburg Municipal Authority

11

Pine Grove Borough

8

Blythe Township

18

Schuylkill County Housing Authority

24

City of Pottsville

44

Schuylkill County Municipal Authority

52

Danville Borough

33

Schuylkill County Transportation Authority

19

Greater Pottsville Area Sewer Authority

15

Schuylkill Haven Borough

44

Kulpmont Borough & Kulpmont-Marian Heights JMA

6

Scott Township

17

Mahanoy Twp Authority

8

St. Clair Borough

19

Mahoning Township - Montour County

21

Sunbury Municipal Authority

22

Minersville Borough/Police/Authority

20

Mount Carmel Borough

12

Southeastern Member

Employee Count

Member

Employee Count

Cheltenham Township

315

Southeast Chester County Refuse Authority

23

Downingtown Borough

41

Springfield Township

10

Downingtown Municipal Water Authority

12

Upper Pottsgrove Township

14

East Bradford Township

14

Valley Township

19

East Fallowfield Township

8

West Bradford Township

27

Lower Merion Township

343

West Chester Borough

102

Middletown Township & Sewer Authority

21

Western Member

Employee Count

Member

Employee Count

Ambridge Water Authority

21

Franklin Township Municipal Sanitary Authority

15

Beaver Falls Municipal Authority

30

Greater Greensburg Sewage Authority

19

Borough of Avalon

12

Green Tree Borough

24

Borough of Whitehall Police

23

Leetsdale (Borough of )

10

Bradford Township

15

Monaca (Borough of )

22

Brentwood (Borough of )

26

Monroeville Municipal Authority

36

Broad Top Township

10

Moon Township Municipal Authority

30

Canton Township

12

Ohio Township

30

Chippewa Township

22

The Municipal Authority of the Township of Robinson

24

City of Titusville

41

Union City Borough & Municipal Authority

12

City of Uniontown

34

Urban Redevelopment Authority of Pittsburgh

103

Creswell Heights Joint Authority

12

Westmoreland County Transit Authority

96

Erie County Housing Authority

23

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Surplus Distribution

Members of PMHIC have the opportunity to receive any surplus money from their claim fund after all non-catastrophic claims have been paid. This is not possible in a typical fully insured plan. For the 2021 plan year, we will return in excess of $26 million in surplus claim funds to 79% of PMHIC members. When you consider your total cost for health expenses in our program, please include these surplus funds in your calculations. Most PMHIC members received a 75% distribution of their 2021 surplus in June. The balance will be distributed before the end of the year when all claims have been closed out. If you were eligible for surplus in 2021 and did not receive the initial distribution in June, you will receive the entire amount before the end of the year.

On behalf of the Board of Directors, thank you for your continued participation in the PMHIC program.

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Wellness Grant The PMHIC Board of Directors and our carrier partners have generously offered wellness grants to PMHIC member groups since 2016. The following wellness grant funds are available for 2023.

• • • • •

Capital Blue Cross groups = $110,000 Highmark Northeast PA groups = $30,000 Highmark Western PA groups = $10,000 Independence Administrators groups = $20,000 UnitedHealthcare groups = $10,000

Wellness grant funds help PMHIC member groups improve the health and wellness of their employees, which potentially leads to lower claims costs. The funds must be used for wellness activities or equipment that will have a positive impact on overall employee wellness. Examples include: • • • • • •

Biometric screenings AED machines Exercise equipment Fitness trackers Hearing tests Gym memberships

• • • • •

Flu shots First aid kits/training Lunch & Learn education sessions Tobacco cessation classes Nutrition education

In early 2023, you will recieve information from your PMHIC account management team with details about the amount of the wellness grant available to you, the application process, eligible wellness expenses, how to submit expenses for reimbursement, and deadlines to submit eligible expenses. We encourage you to take advantage of available wellness grants.

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Account Services What can the Account Services team do for YOU? accountservices@benecon.com | P: 888.400.4647 | F: 888.977.2173

+ Enrollments, changes and terminations Send completed universal benefit forms (UBF) via secure email to Account Services or fax the form for processing.

ID Card Requests

Invoice Questions

Enrollment Related Questions

Need a new ID card for an employee? Send Account Services an email to request a new one. Most insurance carriers take 7-10 business days to generate and mail a new card. Don’t forget to include the employee’s address in your request!

Account Services is here to answer all of your billing/invoice questions!

Any other enrollment related questions, we have you covered!

Box.com Invoice Delivery PMHIC invoices are delivered securely each month using Box.com. Upon receipt of your monthly notification email, you should log in to Box.com to retrieve your most recent invoice as well as review invoices from previous months. To avoid mispayments, please make sure you are accessing the newest invoice each month by following these steps: • Log in to Box.com and click on “All Files” • Click the arrow next to recent files to hide this section. The recent files section shows the last files you opened, not the most recent files uploaded.

• Click the “Billing” folder • Click the most recent month’s folder “yyyy-mm” It is also very helpful if you write the month of the invoice you are paying on your check. For more detailed instructions, please contact your Account Manager.

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Open Enrollment Reminder

Please remember to submit all Open Enrollment changes to AccountServices@benecon.com no later than 12/16/2022; this includes new enrollments, changes, and terminations for an effective date of 1/1/2023. Any Open Enrollment changes submitted after the first of the year cannot be processed.

Anne Walls Senior Enrollment Specialist

Erin Willman Enrollment Specialist

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The ConnectCare3 Benefit

The health and wellness solution for employers.

ConnectCare3 services are an enhancement to an individual’s medical benefits and available at no additional cost to employees and their dependents covered on a group’s health plan. We offer solutions to help our members build health literacy and reduce barriers to care while aiming to help employers with cost reduction strategies through our wellness solutions services. ConnectCare3 is a unique independent advocate, and we have no affiliation with any insurance carrier or hospital system.

Clinical Services

Wellness Solutions

Patient Advocacy

Collaboration

•

Supports the clinical team and provides resources

•

Nurse Navigation • • •

Assist patients in understanding their diagnosis and treatment options Prepare questions for physicians for second opinions Provide clinical expertise

Chronic Disease Management & Prevention • • •

Multidisciplinary team of registered nurses, registered dietitians, and certified health coaches Assist individuals with prediabetes, diabetes, high blood pressure, high cholesterol, or obesity Provide resources that help support and sustain health

Consultation •

Nutrition Education •

Help patients understand the connection between diet and health by providing nutritional assessments and healthy meal plans

Tobacco Cessation • •

Work one-on-one with certified health coaches to achieve and maintain a tobacco-free life Can be used as reasonable alternative program

ConnectCare3 will evaluate an organization’s needs and assist them in accomplishing a wide range of goals.

This can be straightforward, such as developing an employee engagement strategy and providing readyfor-use educational tools, or as expansive as building a wellness committee and creating a 3-5 year strategic wellness plan.

ConnectCare3 will help employers design wellness programs suited specifically to their organization’s culture and demographics. We can provide wellness campaigns and educational resources on relevant and timely health topics. Employers can use these resources to support their wellness initiatives with minimal added work required for them. We can also assist employers in exploring incentives as an employee engagement tool.

Connection •

ConnectCare3 will equip groups with marketing materials, webinars, and other communication tools to help drive the utilization of ConnectCare3 services.

We also connect employers with additional wellness resources from their insurance carriers, employee assistance program, or within the community that may be available at little to no cost. We can help identify the most appropriate wellness vendors, if needed, for screening services.

For more information, visit connectcare3.com.

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HealthyU

Featuring: • Self-paced, interactive, courses created

by ConnectCare3 clinical experts • Customized HealthyU webpage for each employer • Capability to track participation and completion for each incentive programming • Access for all employees

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Life & Disability Program In 2010 the PMHIC Board endorsed Benecon to offer a Life & Disability program for all Members. PMHIC believes there is power and efficiency in group purchasing and encourages all Members to participate.

Program Specifics 1.

2.

3.

4.

Provide a significant rate reduction on current Life/STD/LTD Coverage Match each group‘s current plan designs & level of benefits Provide a multi-year rate guarantee Place all Members with one carrier

Information Needed to Provide a Proposal

1. Current employee census (Name, DOB, DOH, Occupation, Salary) 2. Copy of current plan designs (Summary Page of Benefit Booklet) 3. Copy of most recent invoice

Insurance Provider: OneAmerica

1. “A“ financial rating from all rating agencies 2. 141+ years experience 3. $83 billion in assets

Experience: Benecon

Benecon has successfully aggregated the Members of many other Cooperatives to create a significant purchasing power for Life & Disability coverage.

To date 225+ PMHIC Members have taken advantage of this program, generating over $1,000,000 in savings!

For more information please contact:

Stephen Gingrich

sgingrich@benecon.com 717.951.5636

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Dental & Vision Coverage Through PMHIC

Did you know that PMHIC offers dental and vision coverage?

With plans from United Concordia, Davis Vision and National Vision Administrators, we are sure to have a plan that works for you.

For more information, please contact your Benecon Account Manager.

TM

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Administrative Services Benecon Administrative Services Product Guide

With Benecon’s Administrative Services, gain access to a full suite of value-added services.

HSA

COBRA

A Health Savings Account is an employee owned, taxadvantaged savings account used in conjunction with a High Deductible Health Plan (HDHP).

The Consolidated Omnibus Reconciliation Act gives employees who lose their benefits the right to choose to continue group health benefits provided by their employer for limited periods of time if the employee experiences a qualifying event.

HRA

Retiree Billing

A Health Reimbursement Arrangement is an employer funded arrangement that may be used to reimburse employees for qualified medical expenses set by the employer.

Semi-annual billing services for eligible retirees.

FSA

ICHRA

A Flexible Spending Account is an employer offered, tax-advantaged account funded by the employee to pay for qualified medical expenses with pre-taxed dollars.

An Individual Coverage HRA is an employer funded, tax-advantaged arrangement in which employers of any size can reimburse employees for some or all of the premiums that their employees pay for health insurance that they purchase on their own.

DCAP

QSEHRA

A Dependent Care Assistance Plan is an employer offered, tax-advantaged plan funded by the employee to pay for care for eligible dependents, such as children or disabled family members.

A Qualified Small Employer HRA is an employer funded, tax-advantaged arrangement in which employers with under 50 Full Time Employees can reimburse their employees for their health insurance premiums that they purchase on their own.

Tuition Reimbursement Programs

EBHRA

Employer funded, tax-advantaged plan that can pay an employee up to $5,250 in educational assistance benefits each year.

An Excepted Benefit HRA is an employer funded, taxadvantaged arrangement, under which employers provide funds towards the cost of vision, dental or short term limited duration insurance premiums that they purchase on their own.

Commuter Transit / Parking Benefits Employer established, tax-advantaged account funded by the employee and/or the employer to pay for qualified mass transit and parking expenses on a monthly basis.

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Value Enhancements In addition to our CDH & COBRA offerings, Benecon’s Administrative Services Team provides best-in-class customer service and access to industry-leading mobile and web-based services.

Administrative Portals/CDH Mobile App 24/7 access to Employer & Participant Portals Enhanced Reporting Capabilities Enrollment and Eligibility Management Account Funding and Contribution Management IOS/Android App That Makes Account Management Easy

Plan Management and Consumer Engagement Personalized Customer Service Representatives Available During Working Hours to Assist our Partners and their Clients Personalized CDH Open Enrollment Presentations and Marketing Materials Plan Setup and Renewals with no extra charges (*excluding Mini-COBRA) No Minimum Requirements on Employee Plan Participation Compliance Webinars and Instructional Videos

FSA / HSA Store and HealthShopper Special deals on eligible FSA & HSA products Industry Leading Web Browsers for FSA/HSA Eligible Items Customized Communications for Participants Purchased Products Require Zero Substantiation if paired with a Benecon FSA/ HSA Debit Card

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Enhancing the Consumer Experience Benecon Portal: www.my-healthshopper.com/?id=10624 Bringing together the leader in health spending accounts and the leader in online retail to deliver the easiest way to learn about, shop for, choose and purchase HSA/ FSA eligible retail items online.

Under the “Eligible Expense List“ on the Home Page, learn about what expenses can be reimbursed under your program and what documentation may be required.

Search for products on Health Shopper, and when ready to purchase, you will be guided to Amazon to procure the product.The transaction experience will work similar to any other purchase a consumer makes on Amazon, including utilizing Amazon Prime benefits.

Get Started Today! www.my-healthshopper.com/?id=10624 CDHServices@benecon.com

Amazon is responsible for delivery and customer service for purchases made via Health Shopper.

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2023 Health Benefits Seminar

31

Notes

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Notes

33

Notes

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PMHIC.com | 888.400.4647

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