Page 2 - Confie Benefits Guide 01-18_FINAL_r2_dp wording

Welcome to Confie! This guide provides a summary of your benefit options and is designed to help you make choices and enroll for
coverage. If you would like more information about any of the benefits described here, please contact the Benefits Department by
either emailing benefits@confie.com or calling the Benefits Hotline at (714) 252-2612.

Contents

Important Information …………………………………… 2 Flexible Spending Accounts …………………………..… 17

Enrollment Information …………………………………… 3 Voluntary Benefit Hospital Indemnity……………... 18
Online Benefits Enrollment ……………………………… 4 Voluntary Benefit Universal Life……...……………… 18

Medical Insurance …………………………………………… 5 Voluntary Benefit Critical Illness……...……………... 19
Dental Insurance ……………………………………………… 11 Voluntary Benefit Accident……………...……………... 20-21
Vision Insurance ……………………………………………… 12 Pet Insurance ……………………………………………….… 22

Employee Assistance Program ………………………… 12 Retirement Planning ………………………………………. 22-23
Basic/Supp Life and AD&D Insurance ………………. 13 Employee Contributions ….……………………………… 24

Disability Insurance …………………………………………. 14 Annual Notices……………..………………………………… 25-35
Value-Added Programs ……………………………………. 16 Resources and Contacts ….……………………………… 36

Important Information

The Affordable Care Act and You
The Affordable Care Act (ACA) requires nearly every American to be enrolled in medical coverage or pay a penalty. This is referred
to as the individual mandate. You have several options to satisfy this requirement:
• Enroll in a medical plan offered by Confie or another group plan
• Purchase coverage through a health insurance marketplace
• Enroll in coverage through a government sponsored program
• Have no coverage and incur a tax penalty

Because Confie’s medical plans are considered affordable and meet minimum value under Health Care Reform, you will not
generally see lower premiums or out-of-pocket costs through the marketplace. In addition, employer contributions to your medical
benefits will be lost if you choose to purchase coverage through the marketplace, and your portion of medical premiums will no
longer be paid via payroll deductions on a pre-tax basis. For more information go to www.healthcare.gov.

Annual Notices

Various state and federal laws require that employers provide disclosure and annual notices to their plan
participants. Confie has included all federally required annual notices on both UltiPro and within this guide to
read at your convenience. The following is a list of the annual notices you will find within this guide and
online.

Annual Notices Included With This Guide and Online • Newborns’ and Mothers’ Health Protection Act
• Medicare Part D Notice of Creditable Coverage • HIPAA Special Enrollment Rights
• Health Insurance Marketplace Notice • Medicaid & Children’s Health Insurance Program
• Continuation of Coverage Rights Under COBRA • HIPAA Notice of Privacy Practices
• Genetic Information Non-Discrimination Rights • Summary of Benefits and Coverage (SBC)
• Women's Health and Cancer Rights Act (WHCRA)

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