ARCTIC SLOPE NATIVE ASSOCIATION BENEFITS OVERVIEW · spouses age 69 or younger. Evidence of insurability required over $30,000. There is no guarantee issue amount for spouse 70 years

A R C T I C S L O P E N A T I V E A S S O C I A T I O N

B E N E F I T S

O V E R V I E W

TA B L E O F C O N T E N T S

1 Overview

2 Your Benefits

Eligibility

When to Enroll

Making Changes

3 Medical Coverage

Types of Medical Plans

4 Dental Coverage

Vision Coverage

5 Basic Life and Accidental Death and Dismemberment (AD&D) Insurance

Voluntary Life insurance

Voluntary Accidental Death and Dismemberment (AD&D) Insurance

6 Short-Term Disability

Long-Term Disability

7 Accident Insurance

Critical Illness Insurance

Hospital Indemnity Insurance

Employee Assistance Program

MetLife Advantages

Medevac Insurance

8 Retirement Planning

Education Savings Plan

9 Contact Information

H U M A N R E S O U R C E S | [email protected] | 907.852.9204 or 907.852.9233

Revised 11/18

O V E R V I E W

Providing quality healthcare to our community begins with providing quality healthcare to our staff.

Our goal is to provide the finest health plans to accommodate the needs of our employees and their diverse lifestyles. As a member of the ASNA staff, eligible employees will have access to the following benefits:

» Medical» Dental» Vision» Life and AD&D» Disability» Accident» Critical Illness» Hospital Indemnity » Employee Assistance Program» MetLife Advantages » Medevac Insurance» Retirement Plan

The purpose of this ASNA Benefits Overview is to inform you about the many options available so that you can make informed decisions and save on out-of-pocket expenses.

Please contact us if you have any questions or need more information: H U M A N R E S O U R C E S | [email protected] | 907.852.9204 or 907.852.9233

Important Information

Benefits information provided in this overview presents only plan highlights. Additional terms and conditions may apply. The Overview is for informational purposes only and should not be considered a substitute for official plan documents.

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Y O U R B E N E F I T S

Our goal is to provide a comprehensive benefits package with your health and financial well-being in mind. The benefits we provide offer flexibility and convenience, allowing you to choose the plan that is right for you and your family.

E L I G I B I L I T Y

For Federal Employees Health Benefits (FEHB), benefited employees are eligible the first day of the pay period following your date of hire.

For all other benefits (dental, vision, life insurance, short-term disability, long-term disability, accident, AD&D, critical illness, hospital indemnity, medevac), you are eligible on the first day of the month following the date you were hired.

Retirement benefits begin on the date of hire.

W H E N T O E N R O L L

You may enroll for coverage within 30 days of your eligibility date or during the annual open enrollment period. If you do not enroll for coverage within 30 days of your eligibility date, you may not receive health coverage and other benefits during the plan year.

M A K I N G C H A N G E S

The choices you make when you are first eligible are in effect for the remainder of the plan year, which ends on December 31. Once you enroll for coverage, you must wait until the next open enrollment period to change your benefits or add/ remove coverage for dependents, unless you have a qualifying life event (QLE) as defined by the IRS.

Here are some examples:

» Marriage, divorce, legal separation, or annulment» Birth or adoption of a child» Change in your residence or workplace (if your benefit options change)» Loss of health coverage» Change in your dependent’s eligibility status because of marriage, age, etc.

You have 60 calendar days to make changes to your coverage. However, retirement contributions may be changed at any time up to the federal limit.

Keep in mind, any change you make to your coverage must be consistent with the change in status.

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M E D I C A L C O V E R A G E

ASNA provides you with medical coverage through the Federal Employees Health Benefits (FEHB) Program. Under section 409, “Access to Federal Insurance,” of the Indian Health Care Improvement Act (IHCIA), tribal organizations are able to purchase health coverage through the FEHB Program.

The FEHB program provides a wide array of plans to cover you and your family’s health care needs. Take the time to review your options and choose the plan that is best for you.

You have three enrollment options:

» Employee Only—ASNA pays for 100% of your medical premiums» Employee Plus One—ASNA contributes 75% to employee and spouse or

child medical premiums» Employee and Family—ASNA contributes 75% to employee and family

medical premiums

If you are a healthy individual and you do not take regular prescription drugs, you may want to consider a high deductible health plan with a lower monthly payment. However, if you or a family member takes regular medications and suffers from a chronic illness, you may want to consider a plan with a low annual deductible and higher monthly payments.

Each year, your FEHB coverage will continue. You are not required to re-enroll if you are satisfied with your current coverage. However, the premiums may change from year to year. If you leave tribal employment, you will receive an automatic 31-day temporary extension of coverage. After you separate from tribal employment, you may enroll under the Temporary Continuation of Coverage (TCC) provision of the FEHB law to continue your coverage past the 31-day extension.

T Y P E S O F M E D I C A L P L A N S

The following are the types of medical plans available to you under FEHB.

Fee-for-Service (FFS)

With an FFS plan, you have the flexibility to choose from both Preferred Provider Organization (PPO) and non-PPO medical providers. You pay a fee for each service you receive and the plan reimburses you or pays the medical provider directly for covered services. The amount covered by insurance depends on the provider’s participation in the plan.

Consumer Driven Health Plans (CDHP)

The CDHP plan has lower monthly premiums and you assume full or partial responsibility for several thousand dollars in catastrophic coverage and expenses (for costs above a certain level). In-network preventive care is covered at no cost to you. Please note, the catastrophic limit with this plan is higher than other plans.

Interested to learn more?

Go online to opm.gov/healthcare-insurance/healthcare/plan-information for more information. You may also access plan documents electronically on the shared universal drive (U:) 1010-Human_Resources/Benefits Information or contact the Human Resources Department at 907.852.9233 or E-mail at [email protected].

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D E N TA L C O V E R A G E

ASNA offers you and your eligible dependents dental coverage through Meritain Health to help pay dental expenses for you and your family. The plan helps you pay for most necessary dental services and supplies, including preventive care (such as exams, cleanings, and X-rays), and basic and major restorative services (such as fillings and crowns). Review the chart below for coverage details.

V I S I O N C O V E R A G E

Each year, benefits are available through Meritain Health for eye exams and hardware. You are free to choose any provider.

*SSMH considered In-Network (Domestic) / All others are Out-of-Network (Non-Domestic)

P L A N F E A T U R E S

Calendar Year Deductible

Calendar Year Maximum

C O V E R A G E D E T A I L S

Diagnostic & Preventative Services (X-rays, Cleanings, Exams)

Basic & Restorative Services (Fillings, Extraction, Root Canals)

Major Services (Crowns, Bridges)

Orthodontia Lifetime Maximum

Denture Lifetime Maximum

I N - N E T W O R K * S S M H ( D O M E S T I C )

$0 Individual $0 Family

$4,000


100% up to Maximum

80% up to Maximum

60% up to Maximum

$2,000 Lifetime Maximum


O U T - O F - N E T W O R K ( N O N - D O M E S T I C )

$50 Per Individual Capped at $150

$4,000


90% After Deductible up to Maximum





P L A N F E A T U R E S

Exam Deductible

Hardware (Lenses, Frames, Contacts) Combined Maximum Benefits Per Calendar Year


Deductible Waived

Up to $600


Deductible Waived

Up to $600

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B A S I C L I F E A N D A C C I D E N TA L D E AT H & D I S M E M B E R M E N T ( A D & D ) I N S U R A N C E

Life and Accidental Death and Dismemberment (AD&D) insurance can provide economic security for your loved ones. ASNA provides you with this coverage at no cost. You automatically receive basic employee Life and AD&D coverage in the amount of 2.5x your earnings up to $350,000. Be sure to choose a beneficiary to receive benefits—and don’t forget to update your beneficiary when life events occur.

V O L U N TA R Y L I F E I N S U R A N C E

You have the opportunity to purchase additional life insurance coverage for yourself at group rates. Consider costs such as funeral expenses, legal expenses, and general living expenses for your surviving family members when determining an appropriate amount of additional coverage.

E M P L O Y E E : Available in $10,000 increments up to 5x your annual earnings to a maximum of $500,000. Evidence of insurability required over $100,000.

If you choose to enroll in additional life insurance, you may then elect to add coverage for your spouse and/or eligible child(ren).

S P O U S E : Available in $5,000 increments up to a maximum of $100,000. Evidence of insurability required over $30,000. Age-banded rates apply, which may increase the cost of coverage.

C H I L D ( R E N ) : Birth to six (6) months is $1,000 flat; after six (6) months up to $10,000 in increments of $5,000 per child based on age and eligibility requirements.

V O L U N TA R Y A C C I D E N TA L D E AT H A N D D I S M E M B E R M E N T ( A D & D ) I N S U R A N C E

You have the opportunity to purchase additional AD&D coverage for yourself and eligible dependents at group rates. There is no guarantee issue amount for any members 70 years of age and older.

E M P L O Y E E : Available in $10,000 increments up to 5x your annual earnings to a maximum of $500,000 for employees age 69 or younger. Evidence of insurability required over $100,000.

If you enroll for additional coverage for yourself, you may choose to elect coverage for your spouse and/or your child(ren) in the following amounts:

S P O U S E : Available in $10,000 increments up to a maximum of $100,000 for spouses age 69 or younger. Evidence of insurability required over $30,000. There is no guarantee issue amount for spouse 70 years of age and older.

C H I L D ( R E N ) : Available in $5,000 increments up to $10,000 per child (ages over 6 months and less than 26 years).

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S H O R T - T E R M D I S A B I L I T Y ( S T D )

You are automatically provided with Short-Term Disability (STD) coverage at no cost to you.

B E N E F I T E D E M P L O Y E E S : Your STD plan provides 60% of your weekly salary to a maximum of $2,500 per week for the first 15 weeks of a disability (after a 14-day waiting period).

L O N G - T E R M D I S A B I L I T Y ( LT D )

ASNA believes that Long-Term Disability (LTD) coverage is important because anyone at any age may become injured or ill for an extended period of time. You are automatically covered under the LTD plan at no cost to you.

B E N E F I T E D E M P L O Y E E S : LTD coverage will replace 60% of your base salary to a monthly maximum of $12,000 if you are disabled for more than 120 days and are unable to work.

LTD benefits may be offset with other sources of income, such as Social Security and Workers’ Compensation Insurance.

To access your benefit portal go to MyBenefits at: mybenefits.metlife.com

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A C C I D E N T I N S U R A N C E

As an ASNA employee, you are eligible to receive accident coverage through MetLife at no cost to you. If you experience an accident, you may have unexpected expenses. The accident insurance plan can be there for you through the many stages of care, from the initial emergency treatment or hospitalization to follow-up treatments or physical therapy. Group Accident insurance from MetLife helps with out-of-pocket costs that arise when you have a covered accident such as a fracture, dislocation, or laceration.

C R I T I C A L I L L N E S S I N S U R A N C E

As an ASNA employee, you are eligible to receive Critical Illness coverage through MetLife at no cost to you. The MetLife critical illness insurance plan can help with the treatment costs of covered critical illnesses, such as cancer, a heart attack, or a stroke. You receive cash benefits directly (unless otherwise assigned)—giving you the flexibility to help pay bills related to treatment or to help with everyday living expenses.

H O S P I TA L I N D E M N I T Y I N S U R A N C E

As an ASNA employee, you are eligible to receive Hospital Indemnity Insurance coverage through MetLife at no cost to you. Just a few days in the hospital for illness can be costly. Cash benefits with MetLife’s Hospital Indemnity insurance plan may offer some financial protection when you are hospitalized due to a covered accident or illness. Benefits are paid for hospital stays, expenses, admission, confinement and intensive care.

E M P L O Y E E A S S I S TA N C E P R O G R A M

As an ASNA employee, you are eligible to receive Employee Assistance coverage through MetLife at no cost to you. The Employee Assistance Program is a confidential counseling and referral service to assist employees and their families with life issues.

M E T L I F E A D V A N TA G E S

As an ASNA employee, you may be eligible for additional coverage through MetLife Advantages.

M E D E V A C I N S U R A N C E

As an ASNA employee, you are eligible to receive AirMedCare Network membership through Guardian Flight at no cost to you. For life-threatening situations, this air ambulance coverage will provide peace of mind knowing you will have no out-of-pocket expenses related to the emergency flight for you and eligible members of your household. This coverage is for AirMedCare Network flights only and is also available in 38 states to include Hawaii.

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R E T I R E M E N T P L A N N I N G

As an ASNA employee, you have access to retirement planning benefits though John Hancock, USA. Your 401(k) account is set up as soon as you begin employment.

Your 401(k)

ASNA automatically contributes the equivalent of 8% of your bi-weekly earnings into your 401(k) account. You may contribute additional funds up to the federal maximum. These are pre-tax contributions.

» 3% immediately vested; 5% based on vesting schedule; 1,000 regular work hours for 20% per calendar year (January 1 – December 31)

A ROTH 401(k) option is also available. You may fund your ROTH 401(k) savings account with post-tax money, up to the federal maximum.

Go to jhpensions.com to create an online account with John Hancock Retirement Plan Services.

E D U C AT I O N S A V I N G S P L A N

Savings in a 529 plan are free from federal tax and in most cases, state taxes—provided they are used to pay for qualified education expenses such as tuition.

See ASNA Human Resources Department for more information.

Employee Benefits Coordinator | Human Resources 907.852.9233 | [email protected]

C O N TA C T I N F O R M AT I O N

Medical

Federal Employees Health Benefits (FEHB) opm.gov/healthcare-insurance/tribal-employers For assistance, contact your Local Plan at the telephone number appearing on the back of your ID card.

Dental & Vision

Meritain Health Group Number: 15324 866.808.2609 meritain.com

Basic Life / AD&D, Voluntary Life, Short and Long-Term Disability, Accident, Critical Illness and Hospital Indemnity

MetLife Insurance Company Group Number: 5924193 (800) GETMET8 or 800.438.6388mybenefits.metlife.com

Retirement Plan Services 401(k)

John Hancock USA Contract ID: 126994 800.395.1113 jhpensions.com

Financial Advising

Denali Investment Services 907.257.7289 [email protected]

Guardian Care Flight

AirMedCare Network 503.338.8680 [email protected]

Updated information is available on the shared universal drive (U:) 1010-Human_Resources/Benefits Information or contact the Human Resources Department: 907.852.9233 or E-mail at [email protected]

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7000 Uula Street

P.O. Box 1232Utqiaġvik, Alaska 99723

907-852-2762 Toll Free 1-800-478-3033

ARCTIC SLOPE NATIVE ASSOCIATION BENEFITS OVERVIEW · spouses age 69 or younger. Evidence of insurability required over $30,000. There is no guarantee issue amount for spouse 70 years

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