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Welcome to Wayfinders!

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 Human Resources Department.

Contents

Important Information ………………………………………… 2 Travel Assistance Program ………………………………….. 12
Enrollment Information ……………………………………….. 3 Disability Insurance ………..………………………………….. 12
Employee Contributions ……………………………………... 5 Voluntary Life and AD&D Insurance ………………….. 13
Medical Insurance ……………………………………………….. 6 Hearing Discount Program …………………………………. 13

Dental Insurance …………………………………………………. 10 Will Preparation Services ……………………………………. 13
Vision Insurance ………………………………………………….. 11 Resources and Contacts ….………………………………….. 14
Life and AD&D Insurance ……...…………………………….. 12 Medicare Part D Notice of Creditable Coverage …. 15

Employee Assistance Program ..…………………………... 12 Annual Notices …………………………………………………… 17

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 Wayfinders 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 Wayfinders’ 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. Wayfinders will distribute all federally required annual notices upon eligibility for benefit and
during each annual open enrollment period. Please see Annual Notices on pages 15-18.

The following is a list of the annual notices:
• Medicare Part D Notice of Creditable Coverage
• Women's Health and Cancer Rights Act (WHCRA)
• Newborns’ and Mothers’ Health Protection Act
• Special Enrollment Rights
• Medicaid & Children’s Health Insurance Program

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