Page 2 - Confie Benefits Guide 01-18_FINAL_r2_dp wording.pub

Welcome to Confie! This guide provides a summary of your benefit op ons and is designed to help you make choices and enroll for
coverage. If you would like more informa on 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 Informa on …………………………………… 2 Flexible Spending Accounts …………………………..… 17

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

Medical Insurance …………………………………………… 5 Voluntary Benefit Cri cal Illness……...……………... 19
Dental Insurance ……………………………………………… 11 Voluntary Benefit Accident……………...……………... 20‐21
Vision Insurance ……………………………………………… 12 Pet Insurance ……………………………………………….… 22

Employee Assistance Program ………………………… 12 Re rement Planning ………………………………………. 22‐23
Basic/Supp Life and AD&D Insurance ………………. 13 Employee Contribu ons ….……………………………… 24

Disability Insurance …………………………………………. 14 Annual No ces……………..………………………………… 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 op ons to sa sfy 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 addi on, employer contribu ons to your medical
benefits will be lost if you choose to purchase coverage through the marketplace, and your por on of medical premiums will no
longer be paid via payroll deduc ons on a pre‐tax basis. For more informa on go to www.healthcare.gov.

Annual No ces

Various state and federal laws require that employers provide disclosure and annual no ces to their plan
par cipants. Confie has included all federally required annual no ces on both Ul Pro and within this guide to
read at your convenience. The following is a list of the annual no ces you will find within this guide and
online.

Annual No ces Included With This Guide and Online  Newborns’ and Mothers’ Health Protec on Act
 Medicare Part D No ce of Creditable Coverage  HIPAA Special Enrollment Rights
 Health Insurance Marketplace No ce  Medicaid & Children’s Health Insurance Program
 Con nua on of Coverage Rights Under COBRA  HIPAA No ce of Privacy Prac ces
 Gene c Informa on Non‐Discrimina on Rights  Summary of Benefits and Coverage (SBC)
 Women's Health and Cancer Rights Act (WHCRA)

2