Page 2 - Luminex 2020 BLUE Triangles 12pg Guide w_Notices Final

WELCOME TO

OPEN ENROLLMENT

BENEFIT OPTIONS DEPENDENT ELIGIBILITY

Luminex provides a full range of benefits that address your needs You can enroll your dependents in plans that offer dependent
now and in the future. coverage. Eligible dependents are defined as your legal spouse
TO YOUR HEALTH TO YOUR WEALTH and eligible children who reside in your household and depend
primarily on you for support. This includes: your own children,
• Medical Insurance • Life and Disability Insurance legally adopted children, stepchildren, a child for whom you have
been appointed legal guardian, and/or a child for whom the court
• Prescription Drug Benefits • Financial Advocate
has issued a Qualified Medical Child Support Order (QMCSO)
• Critical Illness Insurance • Long-Term Disability Insurance requiring you or your spouse to provide coverage.
• Dental Insurance • 401(k) Retirement Savings Plan
• Vision Insurance • ID Theft Protection CONTROLLING HEALTH CARE COSTS
• Accident Insurance The rising cost of health insurance is a concern for all of us.
Keeping costs to a minimum contributes to lower premiums in
ENROLLMENT INFORMATION future years. To combat higher premiums, Luminex charges a
spousal surcharge and a tobacco surcharge.
DO I NEED TO ENROLL? • If you elect medical coverage for your spouse, you will be
Before enrolling in the 2020 health and group benefits, please take paying a spousal surcharge of $100 per month. This will impact
a close look at all the benefits and options Luminex offers you. employee premiums for both the employee + spouse and family
tiers outlined on page 3.
For instance, you may experience changes from year to year. And • During your open enrollment session, you will be required to
there likely will be changes to what you pay for coverage each identify if you are a tobacco user. If you are a tobacco user
year. So, it’s a good idea to make sure your benefits still fit you— you will pay a monthly surcharge of $75 when enrolling in any
and that you’re not paying for more coverage than you need. medical plan.
You must enroll if you want to: Here are some additional tips on how you can help lower the cost
• Keep or change your medical, dental, or vision coverage for next of health insurance:
year. • Use network providers. You will receive a higher level of

• Contribute to the Health Care and/or Dependent Care Flexible benefits if you use providers who participate in the network.
Spending Accounts (FSAs). • Request generic rather than brand name prescription drugs.
• Keep or change your optional employee life insurance, spouse Generic medications, while just as effective, are considerably
life insurance, supplemental life insurance, accidental death less expensive.
and dismemberment (AD&D) insurance, or short-term disability • Consider seeing your family physician rather than a specialist.
insurance choices. Family physicians can often provide the same level of care for a
If you don’t enroll, your coverage may be waived or canceled. variety of illnesses and conditions.
To enroll, visit https://e12.ultipro.com between October 21st - • Exercise and maintain a proper diet. The healthier you are the
October 30th. less vulnerable you are to disease, reducing doctor’s visits and
prescription medicines.
WHEN CAN I ENROLL?
• Utilize Health Advocate or Advocate4Me to navigate through the
As a benefits-eligible employee, you have the opportunity to health care system.
enroll in or make changes to your benefit plans during our annual
benefits enrollment period. Annual Open Enrollment is October • Take advantage of UnitedHealthcare programs including:
21st - October 30th with your benefit choices being effective Motion Wellness Program, Maternity Support Program, Virtual
Visits, Rally, Care24 Employee Assistance Program, Real Appeal
January 1, 2020. Our benefits plan year runs from January 1, 2020 Weight Management program, Quit for Life, Cancer Support,
- December 31, 2020. 24/7 Nurse Line, Condition Care and Case Management.
If you’re enrolling as a new employee, you become eligible • Leverage tax advantaged Health Savings Account (HSA) and
for benefits the first day of the month following 30 days of Flexible Spending Account (FSA) funds to help offset
employment and must enroll within 30 days of eligibility to have out-of-pocket costs.
coverage for the rest of the plan year. You will also need to enroll
for the next plan year’s benefits during the annual enrollment If we become more aware consumers, we can each do our part
period. to lower the cost of health care! Visit the UltiPro homepage
or contact your local Human Resources office for additional
2 information on any of the above mentioned tips.