Page 2 - 2019-2020 Country Financial Credit Union Benefit Booklet
P. 2
Table of Contents
2019-2020 Open Enrollment Key Points 2
Open Enrollment: Reviewing Your Benefits 3
Making Changes to the Insurance During the Plan Year 4-5
Medical Plan Summary 6
Prescription Drug Summary 7
Voluntary Dental Plan Summary 8
Voluntary Vision Plan Summary 9
Employer Paid Short-Term Disability 10
Voluntary Long-Term Disability 10
Employer Paid Group Life Insurance and (AD&D) 10
Voluntary Term Life and AD&D Summary 11
Welcome to Bywater 12
Bywater – Get to Know Your ID Card 13
Cigna – Find a Health Care Professional 14
Bywater Member Portal 15
Bywater Benefit Zone App 16
Bywater Diabetic Wellness Supply Program 17
Southernscripts- Getting the Most Out of Your Pharmacy Benefits 18
Southernscripts – How to Locate a FirstChoice Pharmacy 19-20
Voluntary Dental Plan Summary 21-26
Voluntary Dental Provider Search Instructions 27
Voluntary Vision Plan Summary 29-33
Voluntary Vision Search Instructions 34
Employer Paid Short-Term Disability Benefit Summary 35-37
Voluntary Long-Term Disability Benefit Summary 38-40
Employer Paid Group Life and AD&D Benefit Summary 41-43
Voluntary Term Life and AD&D Benefit Summary 44-47
Notice of Right to Elect COBRA 48-49
Special Notices 50-51
Notice of Privacy Practices 52-53
CHIP Notice 54-55
Medicare Part D Notice of Credible Coverage 56-57
Notes 58
Contact Information 59
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