2017 Plan-Year

Open Enrollment

Arkansas Public School Employee Open Enrollment Guide 2017 Plan-Year October 1-15, 2016

What’s Inside ARBenefitsWell.................................................................................................................................................................. 3 Open Enrollment................................................................................................................................................................ 4-5 Enrolling Online..................................................................................................................................................................... 6 Health Plans...................................................................................................................................................................... 7-12 Securian & WageWorks.......................................................................................................................................................13 EAP.........................................................................................................................................................................................14 Links to Forms......................................................................................................................................................................15

Contacts Benefit EBD Office ComPsych (EAP) Health Advantage

Website/Email www.ARBenefits.org [email protected] www.GuidanceResources.com www.healthadvantage-hmo.com

Qual Choice Securian Life Insurance WageWorks ARBenefits Summary Plan Description

www.qualchoice.com/ www.securian.com www.WageWorks.com www.ARBenefits.org

Phone Number 1-877-815-1017 x1 501-682-9656 1-877-247-4621 1-800-482-8416 501-378-2364 1-855-299-6035 1-888-826-2734 1-800-428-0446

EBD Office The EBD office is open Monday-Friday 8 a.m. - 4:30 p.m. CST

Check out ARBenefits on Facebook at www.Facebook.com/ARBenefits.

Our Facebook page is a public page; please do not post or send any personal health information.

2017 ARBenefits Open Enrollment Guide (PSE)

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ARBenefitsWell Program The start of Open Enrollment means the deadline to complete the requirements for the 2017 plan year wellness discount is fast approaching. The deadline to complete the requirements is October 31, 2016. By that date, both the employee and covered spouse must complete a wellness visit with a physician in an office setting. In addition to the wellness visit, both the employee and covered spouse must complete the online Health Assessment administered at www.guidanceresources.com. Participants who have not completed the assessment in the past can click the link to register as a new user. New users will also need to include the Web ID of “ARBEN” when they register. Participants who completed the assessment last year can use the same login information they used previously.

If you need help accessing your account, or completing the Health Assessment, you can contact GuidanceResources® at 1-877-247-4621 or by email at [email protected]. If you have registered in the past, please do not register again and contact GuidanceResources® if you need assistance accessing your account. When completing the Health Assessment, it is important to remember that the employee and spouse must use their own user name and email address. After logging into your account, you can access the Health Assessment in the Wellness Box on the left hand side of the page. When you are finished with the assessment you will see a page that includes your completion certificate. Completion certificate will include name and completion date. If not, the health assessment is not complete. You can also print the certificate and keep in your records in case an error occurs and

you need to file an appeal. EBD has mailed letters to employees stating if they have met or not met the requirements for the discount. The “not met” letters detail what the employee has or has not completed according to the date on the letter. Remember, physicians have up to six (6) months to file a claim for a visit, and the confirmation that you completed the health assessment can take up to two weeks to update in EBD’s system. Once all of the requirements have been confirmed as completed, you will be sent a wellness met letter stating that you will receive the discount. New enrollees to the plan July 1, 2016 or after automatically qualify for the 2017 discount

Tools Requirements Toolsfor forcompleting completing the the ARBenefitsWell ARBenfitsWell Requirements The Health Enhancement section on the www.ARBenefits.org homepage has the following tools available to aid you in completing the requirements for the wellness discount. ARBenefitsWell Guidelines

A full list of guidelines for the ARBenefitsWell program. The guidelines include the requirements and any details about the program employees may need to know when trying to obtain their wellness discount.

2017 ARBenefits Open Enrollment Guide (PSE)

Preventative Services

Clicking on this link and answering the questions in the box at the bottom of the page will take employees to a list of recommended services based on their answers. Services in the green box will be covered by the plan and count towards the wellness discount.

HA Guide

A step-by-step guide to completing the GuidanceResources® online Health Assessment. The guide will go over information about the program and include a picture of every screen of the Health Assessment.

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Open Enrollment Open Enrollment is the time of year where you can enroll, or make changes to your health plan without the need of a qualifying event. 2017 Plan Year Open Enrollment ARBenefits Health Insurance: October 1-15 Securian (Minnesota Life): October 1-31

Eligibility Per the ARBenefits Summary Plan Description, Public School Employees that can answer yes to one of the questions below are eligible to enroll in coverage Are you: ▶ A certified employee, and ▶ Working 30 hours or more per week each school year, and ▶ Paid your salary from your district’s teacher salary fund? Are you: ▶ A non-certified employee, and ▶ Working 30 hours per week or more each school year, and ▶ Paid your salary from your district’s local or state revenues

Eligible Dependents ▶

Your current legal spouse (includes same-sex spouses). Former spouses with court orders requiring coverage are NOT ELIGIBLE to join the Plan. Spouses eligible for coverage through his/her employer are not eligible for coverage.

▶

Dependent children (natural, step-child, legal guardian and legally adopted child) less than age twenty- six (26).

▶

Dependent children beyond the age of twenty-six (26) due to physical or mental disability

2017 ARBenefits Open Enrollment Guide (PSE)

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Enrolling Open Enrollment gives employees the opportunity to make the following changes for the 2017 plan year: ▶ Enroll in coverage for you and your dependents ▶ Add/Drop dependents from your current policy ▶ Change plan levels between Premium, Classic and Basic ▶ Drop your coverage ▶ Change from pre-tax to post-tax deduction or vice versa. ▶ Non-Medicare retirees can change their plan level (Premium, Classic or Basic) during Open Enrollment by submitting a Retiree Election Form to EBD. Retiree Election Forms are available at www.ARBenefits.org. Employees can elect changes during Open Enrollment by either going online to their account at www.ARBenefits.org, or by submitting paper forms requesting their elections. Enrolling online will give you instant confirmation that your election choices have been received by EBD. Be sure to attach any necessary supporting documentation to online application, or fax/mail documentation to EBD in order for enrollment to be processed. Submit paper forms by fax: 501-683-0983 *Keep a copy of your fax confirmation page Mail forms to: Employee Benefits Division P.O. Box 15610 Little Rock, AR 72231 Required Documentation for Adding Dependent(s) During Open Enrollment Adding a spouse Adding dependent(s) Dropping a spouse and/or dependent(s) Enrollment Form Enrollment Form Enrollment Form Spousal Affidavit Birth Certificate, or Birth Announcement for a newborn Copy of Marriage Social Security Number *Once obtained within six License months of birth

Forms & Spousal Affidavit available at www.ARBenefits.org

Note: Any Open Enrollment changes received prior to the start of Open Enrollment, or after the deadline will not be processed.

An election sent to EBD during Open Enrollment is considered final

2017 ARBenefits Open Enrollment Guide (PSE)

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Enrolling Online Through ARBenefits.org During Open Enrollment, the easiest way to elect changes is to do so online through your account at www.ARBenefits.org. Enrolling online will give members instant confirmation that their elections have been received by EBD. You do not have to submit any documents if you want your plan to remain the same in the plan year 2017. As a note, non-Medicare who wish to change their plan level during Open Enrollment must still submit the retiree election form to EBD.

Check out our step-by-step guide to electing changes online at www.ARBenefits.org or click here

2017 ARBenefits Open Enrollment Guide (PSE)

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Health Plans (Premium)

Active Employee, COBRA and Non-Medicare Retiree The Premium level health plan is a low deductible health plan. It is the only plan offered by ARBenefits that makes use of copays for physician and hospital visits. The plan contains the highest premiums, but comes with less out-of-pocket expense and the lowest deductible of the three plans.

Plan Highlights

2017 Monthly Premiums Active Employee

With Wellness

Without Wellness

 Deductible: $1,000 Individual / $2,000 Family Employee Only $183.46 $258.46  Uses copayment and coinsurance for covered Employee Spouse $831.20 $906.20 services Employee & Children $470.54 $545.54  Uses a tiered drug copay system Family $833.44 $908.44  Has separate medical and pharmacy out-of-pocket *EBD assumes your district contributes the minimum allowable maximums amount of $155.93. Your district may contribute more, and they can provide you with their specific rates.  Includes reference priced drugs

Non-Medicare Retiree Monthly Rates

Prescription Copay Tiers Tiers

Retiree Copay

Premium

Retiree Only

$641.14

Prescription - Generic -Tier I

$15

Retiree & Non-Medicare Spouse

$1,457.18

Prescription - Preferred - Tier II

$40

Retiree & Children

$1,192.60

Prescription - Non-Preferred - Tier III

$80

Retiree & Non-Medicare Spouse & Children

$2,008.64

Prescription - Specialty - Tier IV

$100

Retiree & Medicare Primary Spouse

RX out-of-pocket Max (Ind./Family): $3,100/$6,200

$795.12

Retiree & Medicare Primary Spouse & Children $1,346.58

Deductibles and Coinsurance

Annual Deductible Coinsurance Annual Coinsurance/Copay Limit - Individual Medical Out-of-Pocket Maximum Paid By Plan After Satisfaction Of Deductible

In-Network

Out-of-Network

$1,000 per individual $2,000 per family

$2,000 per individual $4,000 per family

20%

40%

$2,500 per individual $5,000 per family $3,500 per individual $7,000 per family 80%

N/A N/A 60%

The member is responsible for the full rate of services until their deductible has been met, with the exception of preventative services. Once the deductible has been reached, the member will pay coinsurance until the outof-pocket maximum amount. The plan will pay 100 percent for an individual who has reached their individual out-of-pocket maximum amount. Once the family out-of-pocket maximum amount has been met, the plan will pay 100 percent for all individuals regardless if they have met their deductible. 2017 ARBenefits Open Enrollment Guide (PSE)

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Schedule of Benefit Highlights (Full Schedule of Benefits Available at ARBenefits.org) Physician/Specialist Services In-Network Copay

In-Network

Out-of-Network

Applies to Deductible

Primary Care Physician Office Visit

$25

0%

40%

No

Specialist Office Visit/ Specialty Care Services

$50

0%

40%

No

*Other physician services provided under Outpatient or In-Patient care

$0

20%

40%

Yes

* Includes such services as debridement and/or wound dressing changes performed in an outpatient setting or without direct physician attention Medication (injectable, oral, intravenous)

$0

20%

40%

Yes

Radiation Therapy

$0

20%

40%

Yes

Hospital Services In-Network Copay

In-Network

Out-of-Network

Applies to Deductible

In-Patient Services

$0

20%

40%

Yes

Out-Patient Services

$0

20%

40%

Yes

Diagnostic Services

$0

20%

40%

Yes

Emergency Room and Observation Services

$250

0%

0%

No

Urgent Care Center

$100

0%

0%

No

In-Network Copay

In-Network

Out-of-Network

Applies to Deductible

Physical Exams/Preventative Care

$0

0%

40%

No

Well Baby/Child Care Visits

$0

0%

40%

No

Immunizations

$0

0%

0%

No

In-Network Copay

In-Network

Out-of-Network

Applies to Deductible

Prenatal & Postnatal Outpatient Care

$0

20%

40%

Yes

In-Patient Maternity Services

$0

20%

40%

Yes

Preventative Care Services

Maternity & Family Planning Services

*Hospital length of stay for childbirth: This plan complies with federal law that prohibits restricting benefits for any hospital length of stay in connection with childbirth for the mother and newborn child to less than 48 hours following a normal vaginal delivery or less than 96 hours following a caesarean section delivery. Infertility Diagnostic Evaluation: Office Visit

$50

0%

40%

No

Infertility Testing

$0

20%

0%

Yes

* Treatment for infertility is not a covered benefit under the ARBenefits Plan. Services related to infertility are covered up to diagnosis. Testing is not covered during or following treatment

Hearing & Vision Services In-Network Copay

In-Network

Out-of-Network

Applies to Deductible

$50

0%

$50

No

$0

0%

0%

No

$50

0%

$50

No

Hearing Screening * Limited Benefit: One screening every three years Hearing Aids *Limited Benefit: $1,400 per ear every three years Vision Screening

* Limited Benefit: one (1) exam every twenty-four (24) months

2017 ARBenefits Open Enrollment Guide (PSE)

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Health Plans (Classic)

Active Employee, COBRA and Non-Medicare Retiree The Classic level health plan is a high deductible health plan. The plan comes with lower premiums, but more out-of-pocket expense. Members must meet the deductible before the plan pays for covered services including prescription drugs, with the exception of preventative services.

Plan Highlights

2017 Monthly Premiums

 Deductible: $2,000 Individual / $3,000 Family  Coinsurance for covered services  Employee is eligible to establish a Health Savings Account (HSA)

Health Savings Account (HSA) The Classic plan is a high deductible health plan and employees are eligible to establish and contribute towards a health savings account.

Active Employee

With Wellness

Without Wellness

Employee Only

$46.02

$121.02

Employee Spouse

$354.62

$429.62

Employee & Children

$158.42

$233.42

Family $358.32 $433.32 *EBD assumes your district contributes the minimum allowable amount of $155.93. Your district may contribute more, and they can provide you with their specific rates.

Non-Medicare Retiree Monthly Rates Retiree

Premium

Retiree Only

$273.30

Retiree & Non-Medicare Spouse

$565.78

Retiree & Children

$469.82

Retiree & Non-Medicare Spouse & Children

$746.20

Deductible and Coinsurance

Annual Deductible Coinsurance Annual Coinsurance/Copay Limit Medical Out-of-Pocket Maximum Paid By Plan After Satisfaction Of Deductible

In-Network

Out-of-Network

$2,000 per individual $3,000 per family

$3,000 per individual $6,000 per family

20%

40%

$4,450 per individual $6,675 per family $6,450 per individual $9,675 per family 80%

N/A N/A 60%

The member is responsible for the full rate of services until their deductible has been met, with the exception of preventative services. Once the deductible has been reached, the member will pay coinsurance until the outof-pocket maximum amount. The plan will pay 100 percent for an individual who has reached their individual out-of-pocket maximum amount. Once the family out-of-pocket maximum amount has been met, the plan will pay 100 percent for all individuals regardless if they have met their deductible. 2017 ARBenefits Open Enrollment Guide (PSE)

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Schedule of Benefit Highlights (Full Schedule of Benefits Available at ARBenefits.org) Physician/Specialist Services In-Network Copay

In-Network

Out-of-Network

Applies to Deductible

Primary Care Physician Office Visit

N/A

20%

40%

Yes

Specialist Office Visit/ Specialty Care Services

N/A

20%

40%

Yes

*Other physician services provided under Outpatient or In-patient care

N/A

20%

40%

Yes

* Includes such services as debridement and/or wound dressing changes performed in an outpatient setting or without direct physician attention Medication (injectable, oral, intravenous)

N/A

20%

40%

Yes

Radiation Therapy

N/A

20%

40%

Yes

Hospital Services In-Network Copay

In-Network

Out-of-Network

Applies to Deductible

In-Patient Services

N/A

20%

40%

Yes

Out-Patient Services

N/A

20%

40%

Yes

Diagnostic Services

N/A

20%

40%

Yes

Emergency Room and Observation Services

N/A

20%

40%

Yes

Urgent Care Center

N/A

20%

40%

Yes

In-Network Copay

In-Network

Out-of-Network

Applies to Deductible

Preventative Care Services Physical Exams/Preventative Care

N/A

0%

40%

No

Well Baby/Child Care Visits

N/A

0%

40%

No

Immunizations

N/A

0%

0%

No

In-Network Copay

In-Network

Out-of-Network

Applies to Deductible

Prenatal & Postnatal Outpatient Care

N/A

20%

40%

Yes

In-Patient Maternity Services

N/A

20%

40%

Yes

Maternity & Family Planning Services

*Hospital length of stay for childbirth: This plan complies with federal law that prohibits restricting benefits for any hospital length of stay in connection with childbirth for the mother and newborn child to less than 48 hours following a normal vaginal delivery or less than 96 hours following a caesarean section delivery. Infertility Diagnostic Evaluation: Office Visit

N/A

20%

40%

Yes

Infertility Testing

N/A

20%

0%

Yes

* Treatment for infertility is not a covered benefit under the ARBenefits Plan. Services related to infertility are covered up to diagnosis. Testing is not covered during or following treatment

Hearing & Vision Services In-Network Copay

In-Network

Out-of-Network

Applies to Deductible

$50

0%

$50

No

N/A

20%

40%

Yes

$50

0%

$50

No

Hearing Screening * Limited Benefit: One screening every three years Hearing Aids *Limited Benefit: $1,400 per ear every three years Vision Screening

* Limited Benefit: one (1) exam every twenty-four (24) months

2017 ARBenefits Open Enrollment Guide (PSE)

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Health Plans (Basic)

Active Employee, COBRA and Non-Medicare Retiree The Basic level health plan is a high deductible health plan. The plan comes with lowest premiums, but the most out-of-pocket expense. Members must meet the deductible before the plan pays for covered services including prescription drugs, with the exception of preventative services.

Plan Highlights    

2017 Monthly Premiums

Deductible: $4,250 Individual / $8,500 Family No Out-of-Network coverage 20% coinsurance after satisfaction of deductible Employee is eligible to establish a Health Savings Account (HSA)

Health Savings Account (HSA) The Basic plan is a high deductible health plan and employees on the plan are eligible to establish and contribute towards a health savings account.

Active Employee

With Wellness

Without Wellness

Employee Only

$11.26

$86.26

Employee Spouse

$272.78

$347.78

Employee & Children

$121.86

$196.86

Family $275.62 $350.62 *EBD assumes your district contributes the minimum allowable amount of $155.93. Your district may contribute more, and they can provide you with their specific rates.

Non-Medicare Retiree Monthly Rates Retiree

Premium

Retiree Only

$148.50

Retiree & Non-Medicare Spouse

$269.72

Retiree & Children

$238.52

Retiree & Non-Medicare Spouse & Children

$335.72

Deductible and Coinsurance

Annual Deductible Coinsurance Annual Coinsurance/Copay Limit - Individual Medical Out-of-Pocket Maximum Paid By Plan After Satisfaction Of Deductible

In-Network

Out-of-Network

$4,250 per individual $8,500 per family

Not Covered

20%

Not Covered

$2,200 per individual $4,400 per family $6,450 per individual $12,900 per family 80%

N/A N/A Not Covered

The member is responsible for the full rate of services until their deductible has been met, with the exception of preventative services. Once the deductible has been reached, the plan will pay 80 percent towards covered services. The plan will pay 100 percent for an individual who has reached their individual out-of-pocket maximum amount. Once the family out-of-pocket maximum amount has been met, the plan will pay 100 percent for all individuals regardless if they have met their deductible. 2017 ARBenefits Open Enrollment Guide (PSE)

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Schedule of Benefits Highlight (Full Schedule of Benefits Available at ARBenefits.org) Physician/Specialist Services In-Network Copay

In-Network

Out-of-Network

Applies to Deductible

Primary Care Physician Office Visit

N/A

20%

Not Covered

Yes

Specialist Office Visit/ Specialty Care Services

N/A

20%

Not Covered

Yes

*Other physician services provided under Outpatient or In-patient care

N/A

20%

Not Covered

Yes

* Includes such services as debridement and/or wound dressing changes performed in an outpatient setting or without direct physician attention Medication (injectable, oral, intravenous)

N/A

20%

Not Covered

Yes

Radiation Therapy

N/A

20%

Not Covered

Yes

Hospital Services In-Network Copay

In-Network

Out-of-Network

Applies to Deductible

In-Patient Services

N/A

20%

Not Covered

Yes

Out-Patient Services

N/A

20%

Not Covered

Yes

Diagnostic Services

N/A

20%

Not Covered

Yes

Emergency Room and Observation Services

N/A

20%

Not Covered

Yes

Urgent Care Center

N/A

20%

Not Covered

Yes

In-Network Copay

In-Network

Out-of-Network

Applies to Deductible

Physical Exams/Preventative Care

N/A

0%

Not Covered

No

Well Baby/Child Care Visits

N/A

0%

Not Covered

No

Immunizations

N/A

0%

Not Covered

No

In-Network Copay

In-Network

Out-of-Network

Applies to Deductible

Prenatal & Postnatal Outpatient Care

N/A

20%

Not Covered

Yes

In-Patient Maternity Services

N/A

20%

Not Covered

Yes

Preventative Care Services

Maternity & Family Planning Services

*Hospital length of stay for childbirth: This plan complies with federal law that prohibits restricting benefits for any hospital length of stay in connection with childbirth for the mother and newborn child to less than 48 hours following a normal vaginal delivery or less than 96 hours following a caesarean section delivery. Infertility Diagnostic Evaluation: Office Visit

N/A

20%

Not Covered

Yes

Infertility Testing

N/A

20%

Not Covered

Yes

* Treatment for infertility is not a covered benefit under the ARBenefits Plan. Services related to infertility are covered up to diagnosis. Testing is not covered during or following treatment

Hearing & Vision Services In-Network Copay

In-Network

Out-of-Network

Applies to Deductible

$50

0%

Not Covered

No

$0

20%

Not Covered

Yes

$50

0%

Not Covered

No

Hearing Screening * Limited Benefit: One screening every three years Hearing Aids *Limited Benefit: $1,400 per ear every three years Vision Screening

* Limited Benefit: one (1) exam every twenty-four (24) months

2017 ARBenefits Open Enrollment Guide (PSE)

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Securian (Formally Minnesota Life) Securian, the state contracted life carrier, has established the 2017 life insurance Open Enrollment period for Public School Employees (PSE) as October 1 - 31, 2016. Eligible employees will be able to make changes to their life insurance policies without a qualifying event during Open Enrollment. Coverage elected will be effective January 1, 2017. We encourage all coverage changes be made by logging onto our Life Benefits website through www. ARBenefits.org.

Any election of new coverage will require an Evidence of Insurability (EOI) form, which can also be completed online. If the employees have no changes to make, then no action is required and their coverage will continue as it is now. Rates and coverage summaries can be found in the Rates section of the ARBenefits.org home page. This includes rate summaries for both active and retired employees. Enrollment forms including the Evidence of Insurability form

are available at www.ARBenefits.org under the Forms & Publications section on the home page. Again, employees are being strongly encouraged to make changes during the Open Enrollment period by logging into their health information on the www.ARBenefits.org site and clicking on the tab named “Link” to make all their life insurance changes online.

WageWorks WageWorks offers Health Your HSA with WageWorks Savings Accounts to Public School gives you access to the WageWorks Employees. member portal where you can track Health Savings Accounts everything for your account. (HSA) are available to employees WageWorks also offers the on the Classic or Basic plans, and EZ Receipts app that allows you to can be used to pay for everyday manage your account with a smart health care expenses. phone. Employees on the Premium WageWorks Enrollment Plan are not able to contribute to forms and informational flyers an HSA, due to the plan not being are available in the Forms & considered a high deductible health Publications section at plan. www.ARBenefits.org. You can enroll into an HSA You can also find more at anytime during the year, and information and access an eligible change your election amount at any expenses database at time. www.WageWorks.com/myhsa. There is no limit to the amount of funds that can be carried over year-to-year. The amount you accrue in your HSA is available to you even if you leave your job, switch health plans or retire. Employees who accure at least $1,000 into their HSA at any point will have the option to invest their HSA funds. 2017 ARBenefits Open Enrollment Guide (PSE)

Examples of Eligibile HSA Expenses • Prescriptions for almost any medical condition • Prescribed over-the-counter medicines, e.g. aspirin, cough syrup • Co-payments, co-insurance, and deductibles • Dental care, both preventive and restorative • Orthodontia, child and adult • Vision care, eyeglasses, contact lenses, solutions • Eye surgery, including laser vision correction • Counseling and therapy • Psychology and psychiatry • Chiropractic care and acupuncture See www.wageworks.com/myhsa for more

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Employee Assistance Program (EAP) Call GuidanceResources® anytime for confidential assistance. Call: 877.247.4621 TDD: 800.697.0353 Go online: arbenefits.org and navigate to GuidanceResources

Personal issues, planning for life events or simply managing daily life can affect your work, health and family. GuidanceResources® provides support, resources and information for personal and work-life issues. GuidanceResources is confidential and subsidized by your employer at no charge to you and your dependents. This flyer explains how GuidanceResources can help you and your family deal with everyday challenges.

Confidential Counseling

GuidanceResources Online

This no-cost counseling service helps you address stress, relationship and other personal issues you and your family may face. It is staffed by GuidanceConsultants SM —highly trained master’s and doctoral level clinicians who will listen to your concerns and quickly refer you to in-person counseling and other resources for: › Stress, anxiety and depression › Job pressures › Relationship/marital conflicts › Grief and loss › Problems with children › Substance abuse

GuidanceResources Online is your one stop for expert information on the issues that matter most to you...relationships, work, school, children, wellness, legal, financial, free time and more. › Timely articles, HelpSheets , tutorials, streaming videos and self-assessments › “Ask the Expert” personal responses to your questions › Child care, elder care, attorney and financial planner searches

Financial Information and Resources

Support for your healthy lifestyle.

Someone to talk to.

Discover your best options.

Speak by phone with our Certified Public Accountants and Certified Financial Planners on a wide range of financial issues, including: › Getting out of debt › Retirement planning › Credit card or loan problems › Estate planning › Tax questions › Saving for college

Legal Support and Resources

Expert info when you need it. Talk to our attorneys by phone. If you require representation, we’ll refer you to a qualified attorney in your area for a free 30-minute consultation with a 25% reduction in customary legal fees thereafter. Call about: › Divorce and family law › Real estate transactions › Debt and bankruptcy › Civil and criminal actions › Landlord/tenant issues › Contracts

Work-Life Solutions

Delegate your “to-do” list. Our Work-Life specialists will do the research for you, providing qualified referrals and customized resources for: › Child and elder care › College planning › Moving and relocation › Pet care › Making major purchases › Home repair

®

Knowledge at your fingertips.

SM

Wellness

HealthyGuidance ® helps you make positive lifestyle changes. You can get the tools and support you need to make smarter decisions about your health. This confidential program includes: › Health Assessment and personal health report › Telephonic Health Coaching by certified health coaches in the following areas: › Weight Management: Personalized goal setting and telephonic support › Tobacco Cessation: To enroll in the tobacco cessation program, contact Member Services at 877.815.1017 › Lifestyle coaching for Cardiovascular Disease Prevention, Diabetes Disease Prevention and Stress Management › Sleep coaching to cultivate and maintain healthy sleep habits › HealthyGuidance Kids: Coaching program tailored to help parents with weight management concerns for their children › Online health information, learning modules and other tools Call for an appointment with a health coach or go online to arbenefits.org and navigate to GuidanceResources.

Just call or click to access your services.

Copyright © 2015 ComPsych Corporation. All rights reserved. This document is the confidential and proprietary information of ComPsych Corporation. To view the ComPsych HIPAA privacy notice, please go to www.guidanceresources.com/privacy.

2017 ARBenefits Open Enrollment Guide (PSE)

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Links to Forms Click on the forms below to bring up a PDF version of the form that you can use to fill out for Open Enrollment. All forms must be submitted no later than October 15, 2016 to be counted as valid Open Enrollment elections. More information can be found in the Forms & Publications section of the ARBenefits.org home page.

ARBenefits

ARBenefits Enrollment Form ARBenefits Retiree Enrollment Form Spousal Affidavit Securian (Minnesota Life) Election & Change Form Securian (Minnesota Life) Evidence of Insurability Form 2017 ARBenefits Schedule of Benefits - Premium 2017 ARBenefits Schedule of Benefits - Classic 2017 ARBenefits Schedule of Benefits - Basic ARBenefits Guide to Enrolling Online

Voluntary Products

WageWorks HSA Enrollment Form

2017 ARBenefits Open Enrollment Guide (PSE)

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