PEBA 2021 Insurance Summary
2021Insurance SummaryOpen enrollment and new hire guide
What's inside2021 Insurance vendorsWelcome1Open enrollment1Step 1: Choose your health plan2Step 2: Choose your dental plan4Step 3: Choose your vision coverage6Step 4: Choose your additional lifeinsurance coverage7Step 5: Choose your additionallong term disability coverage8Step 6: Choose your MoneyPlus elections9Membership ID cards12Your benefits on the go13My Health Toolkit 14Explanation of Benefits15Resources for a better you16Get the care you need17Adult well visits18PEBA Perks20Member messaging21Preauthorization22Helpful terms23Plan your 2021 insurance coverage24Notices24Language assistance25Open enrollment worksheet26New hire worksheet27
WelcomeThere are certain times throughout the year when you may enroll in insurance coverage or makechanges to your coverage. Review this summary and use the appropriate worksheet on Pages 26 and 27to plan the 2021 health coverage and additional benefits that are best for you and your family.EligibilityNew hiresEligible employees generally are those who:Your employer will initiate the enrollment process.You will need to provide a valid email address to youremployer, then make your elections online throughMyBenefits by following the instructions in the email youreceive from PEBA. Work full-time for and receive compensation fromthe state, a public higher education institution, apublic school district or a participating optionalemployer, such as a participating county or municipalgovernment; and Are hired into an insurance-eligible position.Generally, an employee must work at least an average of30 hours per week to be considered employed full timeand eligible to participate in the insurance program.From the date you become eligible, you have 31 daysto enroll in your health insurance and other availableinsurance benefits.Open enrollment is October 1-31, 2020.During open enrollment, eligible employees may change their coverage for the following year.Review your current coverage in MyBenefits (mybenefits.sc.gov). If you are satisfied with yourcurrent elections, the only thing you need to do is re-enroll in MoneyPlus flexible spending accounts.All open enrollment changes take effect January 1, 2021.Take note of the call-out boxes in each section of thissummary reminding you of what you can do this yearduring open enrollment. Use the worksheet on Page 26to track any of your changes. You can also visit the openenrollment webpage, peba.sc.gov/oe, to learn more.Log in to MyBenefits (mybenefits.sc.gov) to make yourcoverage selections during open enrollment.2021 Insurance Summary1
Step 1:Choose your health plan.Your insurance needs are as unique as you are. You may meet your deductible each year, or maybeyou can’t remember the last time you saw a doctor. No matter your situation, the State Health Plangives you two options to cover your expenses: the Standard Plan or the Savings Plan.The Standard Plan has higher premiums and lower deductibles. The Savings Plan has lower premiumsand higher deductibles. Learn more about the plans at peba.sc.gov/health.Standard PlanSavings PlanAnnual deductibleYou pay up to 490 per individual or 980 perfamily.You pay up to 3,600 per individual or 7,200per family.1Coinsurance2In network, you pay 20% up to 2,800 perindividual or 5,600 per family.In network, you pay 20% up to 2,400 perindividual or 4,800 per family.You pay a 14 copayment plus the remainingallowed amount until you meet your deductible.Then, you pay the copayment plus yourcoinsurance.You pay the full allowed amount until youmeet your deductible. Then, you pay yourcoinsurance.Blue CareOnDemandSM(More details on Page 17)You pay a 14 copayment plus the remainingallowed amount until you meet your deductible.Then, you pay the copayment plus yourcoinsurance.You pay the full allowed amount until youmeet your deductible. Then, you pay yourcoinsurance.Outpatient facility/emergency care4,5You pay a 105 copayment (outpatient services)or 175 copayment (emergency care) plus theremaining allowed amount until you meet yourdeductible. Then, you pay the copayment plusyour coinsurance.You pay the full allowed amount until youmeet your deductible. Then, you pay yourcoinsurance.Inpatient hospitalization6You pay the full allowed amount until youmeet your deductible. Then, you pay yourcoinsurance.You pay the full allowed amount until youmeet your deductible. Then, you pay yourcoinsurance.Physician’s office visits3Tier 1 (generic): 9/ 22Prescription drugs7,8(30-day supply/90-day supply ata network pharmacy)Tier 2 (preferred brand): 42/ 105Tier 3 (non-preferred brand): 70/ 175You pay up to 3,000 in prescription drugYou pay the full allowed amount until youmeet your annual deductible. Then, you pay yourcoinsurance.copayments. Then, you pay nothing.MoneyPlus accounts(More details on Page 9)Medical Spending AccountHealth Savings AccountLimited-use Medical Spending AccountThe TRICARE Supplement Plan provides secondary coverage to TRICARE for members of the military community who are noteligible for Medicare. For eligible employees, it provides an alternative to the State Health Plan.22021 Insurance Summary
2021 Monthly premiumsIf you work for an optional employer, verify your rates with your benefits office.EmployeeStandard PlanSavings PlanTRICARE SupplementEmployee/spouseEmployee/childrenFull family 97.68 253.36 143.86 306.56 9.70 77.40 20.48 113.00 62.50 121.50 121.50 162.50If more than one family member is covered, no family member will receivebenefits, other than preventive benefits, until the 7,200 annual family deductibleis met.2Out of network, you will pay 40 percent coinsurance, and your coinsurancemaximum is different. An out-of-network provider may bill you more than theState Health Plan’s allowed amount. Learn more about out-of-network benefits atpeba.sc.gov/health.3The 14 copayment is waived for routine mammograms and well-child visits.Standard Plan members who receive care at a BlueCross-affiliated patientcentered medical home (PCMH) provider will not be charged the 14 copaymentfor a physician's office visit. After Standard Plan and Savings Plan members meettheir deductible, they will pay 10 percent coinsurance, rather than 20 percent, forcare at a PCMH.1The 105 copayment for outpatient facility services is waived for physical therapy,speech therapy, occupational therapy, dialysis services, partial hospitalizations,intensive outpatient services, electroconvulsive therapy and psychiatricmedication management.5The 175 copayment for emergency care is waived if admitted.6Inpatient hospitalization requires preauthorization for the State Health Plan toprovide coverage. Not calling for preauthorization may lead to a 490 penalty.7Prescription drugs are not covered at out-of-network pharmacies.8With Express Scripts’ Patient Assurance Program, members in the Standard andSavings plans will pay no more than 25 for a 30-day supply of preferred andparticipating insulin products in 2021. This program is year-to-year and may notbe available in the following year. It does not apply to Medicare members, whowill continue to pay regular copays for insulin.4Tobacco-use premiumIf you are a State Health Plan subscriber with singlecoverage and you use tobacco or e-cigarettes, you willpay an additional 40 monthly premium. If you haveemployee/spouse, employee/children or full familycoverage, and you or anyone you cover uses tobacco ore-cigarettes, the additional premium will be 60 monthly.The premium is automatic for all State Health Plansubscribers unless the subscriber certifies no onehe covers uses tobacco or e-cigarettes, or coveredindividuals who use tobacco or e-cigarettes havecompleted the Quit For Life tobacco cessation program.The tobacco-use premium does not apply to TRICARESupplement subscribers.What you can do duringopen enrollment:How much will you spend out ofpocket on medical care? Change from one health plan to another: Savings Plan; orInclude this amount on the worksheeton Page 11 to determine how much youshould contribute to your MoneyPlus account. TRICARE Supplement Plan.Amount Standard Plan; Enroll yourself or any eligible dependents inhealth coverage. Drop health coverage for yourself or any dependents.2021 Insurance Summary3
Step 2:Choose your dental plan.New hires have two options for dental coverage. Dental Plus pays more and has higher premiumsand lower out-of-pocket costs. Basic Dental pays less and has lower premiums and higher out-ofpocket costs. Changes to existing dental coverage can be made only during open enrollment inodd-numbered years. Learn more about the plans at peba.sc.gov/dental.Dental PlusBasic DentalDental Plus has higher allowed amounts, which are themaximum amounts allowed by the plan for a coveredservice. Network providers cannot charge you for thedifference in their cost and the allowed amount.Basic Dental has lower allowed amounts, which are themaximum amounts allowed by the plan for a coveredservice. There is no network for Basic Dental; therefore,providers can charge you for the difference in their costand the allowed amount.Dental PlusDiagnostic andpreventiveExams, cleanings, X-raysBasicFillings, oral surgery,root canalsProsthodonticsCrowns, bridges, dentures,implantsOrthodontics2Limited to covered childrenages 18 and younger.Maximum payment12Basic DentalYou do not pay a deductible. The Plan will pay100% of a higher allowed amount. In network, aprovider cannot charge you for the differencein its cost and the allowed amount.You do not pay a deductible. The Plan will pay100% of a lower allowed amount. A provider cancharge you for the difference in its cost and theallowed amount.You pay up to a 25 deductible per person.1 ThePlan will pay 80% of a higher allowed amount. Innetwork, a provider cannot charge you for thedifference in its cost and the allowed amount.You pay up to a 25 deductible per person.1 ThePlan will pay 80% of a lower allowed amount. Aprovider can charge you for the difference in itscost and the allowed amount.You pay up to a 25 deductible per person.1 ThePlan will pay 50% of a higher allowed amount. Innetwork, a provider cannot charge you for thedifference in its cost and the allowed amount.You pay up to a 25 deductible per person.1 ThePlan will pay 50% of a lower allowed amount. Aprovider can charge you for the difference in itscost and the allowed amount.You do not pay a deductible. There is a 1,000lifetime benefit for each covered child.You do not pay a deductible. There is a 1,000lifetime benefit for each covered child. 2,000 per person each year for diagnostic andpreventive, basic and prosthodontics services. 1,000 per person each year for diagnostic andpreventive, basic and prosthodontics services.If you have basic or prosthodontics services, you pay only one deductible. Deductible is limited to three per family per year.There is a 1,000 maximum lifetime benefit for each covered child, regardless of plan or plan year.2021 Monthly premiumsIf you work for an optional employer, verify your rates with your benefits l familyDental Plus 25.96 60.12 74.26 99.98Basic Dental 0.00 7.64 13.72 21.3442021 Insurance Summary
Scenario 1: Routine checkupIncludes exam, four bitewing X-rays and adult cleaningDental PlusIn networkBasic DentalOut of networkDentist’s initial charge 191.00 191.00 191.00Allowed amount 135.00 171.00 67.60 135.00 171.00 67.60 0.00 0.00 0.00 56.00 20.00 123.403Amount paid by the Plan (100%)Your coinsurance (0%)Difference between allowed amount and chargeDentist writes off this amount 0.00You pay 20.00Difference in allowedamount and charge 123.40Difference in allowedamount and chargeScenario 2: Two surface amalgam fillingsDental PlusIn network 190.00 190.00 190.00Allowed amount 145.00 177.00 44.80 116.00 141.60 35.84 29.00 35.40 8.96 45.00 13.00 145.204Your coinsurance (20%)Difference between allowed amount and chargeDentist writes off this amountYou pay4Out of networkDentist’s initial chargeAmount paid by the Plan (80%)3Basic Dental 29.00 48.4020% coinsurance20% coinsurance plus difference 154.1620% coinsurance plus differenceAllowed amounts may vary by network dentist and/or the physical location of the dentist.Example assumes that the 25 annual deductible has been met.What you can do duringopen enrollment:How much will you spend out ofpocket on dental care? Changes to existing dental coverage can be madeduring open enrollment only in odd-numbered years.Your next opportunity to add or drop dental coveragewill be October 2021.Include this amount on the worksheeton Page 11 to determine how much youshould contribute to your MoneyPlus account. Amount 2021 Insurance Summary5
Step 3:Choose your vision coverage.Good vision is crucial for work and play. It is also a significant part of your health. An annual eye examcan help detect serious illnesses. You can have an exam once a year and get either frames/lenses orcontacts. Learn more about your vision coverage at peba.sc.gov/vision.Out-of-networkIn-network member costreimbursementYou pay:You receive:Exam, with dilation ifnecessaryA 10 copay.Up to 35.Retinal imagingUp to 39.No reimbursement.Frames80% of balance over 150 allowance.Up to 75.Standard plastic lensesA 10 copay.Up to 55.Standard progressive lensesA 35 copay.Up to 55.Premium progressive lenses 35– 80 for Tiers 1–3. For Tier 4, you pay copay and 80% of costless 120 allowance.Up to 55.Standard contact lenses fit &follow-upA 0 copay.Up to 40.Premium contact lenses fit &follow-upA 0 copay and receive 10% off retail price less 40 allowance.Up to 40.Conventional contact lensesA 0 copay and 85% of balance over 130 allowance.Up to 104.Disposable contact lensesA 0 copay and balance over 130 allowance.Up to 104.2021 Monthly premiumsIf you work for an optional employer, verify your rates with your benefits renFull family 5.80 11.60 12.46 18.26What you can do duringopen enrollment:How much will you spend out ofpocket on vision care? Enroll in or drop State Vision Plan coveragefor yourself and/or your eligible dependents.Include this amount on the worksheeton Page 11 to determine how much youshould contribute to your MoneyPlus account. Amount 62021 Insurance Summary
Step 4:Choose your additional life insurance coverage.You are automatically enrolled in Basic Life insurance at no cost if you enroll in health insurance.This policy provides 3,000 in coverage. You’ll also get a matching amount of Accidental Deathand Dismemberment (AD&D) insurance. You may elect more coverage for yourself, spouseand/or children. Learn more about your life insurance options and value-added services atpeba.sc.gov/life-insurance.Coverage levelCoverage details Lesser of three times annual earnings or 500,000 of coverageElect in 10,000 incrementsup to a maximum of 500,000.Optional Life with AD&Dguaranteed within 31 days of initial eligibility. Includes matching amount of AD&D insurance. Coverage reduces to 65% at age 70, to 42% at age 75 and to31.7% at age 80 and beyond.Elect in 10,000 incrementsup to a maximum of 100,000 or 50% of yourOptional Life amount,whichever is less.Dependent Life-Spousewith AD&D If you are not enrolled in Optional Life, spouse coverages of 10,000 or 20,000 are available. 20,000 of coverage guaranteed within 31 days ofinitial eligibility. Includes matching amount of AD&D insurance. Coverage guaranteed.Dependent Life-Child 15,000 per child. Children are eligible from live birth to ages 19 or 25 if afull-time student. Child can be covered by only one parent under this Plan.2021 Monthly premiumsOptional Life and Dependent Life-SpouseDependent Life-ChildYour premiums are determined by your or yourspouse’s age as of the previous December 31 and thecoverage amount. Rates shown per 10,000 of coverage.Remember to review your premium, even if you don'tchange your coverage levels. Your monthly premium willchange when your age bracket changes. 1.26 per month; you pay only one premium for alleligible children.AgeRateAgeRateUnder 35 0.5860-64 6.0035-39 0.7865-69 13.5040-44 0.8670-74 24.2245-49 1.2275-79 37.5050-54 1.9480 and over 62.0455-59 3.362021 Insurance SummaryWhat you can do duringopen enrollment: Enroll in or increase Optional Life coverageup to 50,000 without medical evidence. Enroll in or increase Optional Life (over 50,000)or Dependent Life-Spouse coverage with medicalevidence. Drop or decrease Optional Life or DependentLife-Spouse coverage. Enroll in or drop Dependent Life-Child coverage.7
Step 5:Choose your additional long term disability coverage.You are automatically enrolled in Basic Long Term Disability at no cost if you enroll in health insurance.The maximum benefit is 800 per month. You may elect more coverage for added protection. Learnmore about long term disability coverage at peba.sc.gov/long-term-disability.Supplemental Long Term Disability2021 Monthly premium factorsThe Supplemental Long Term Disability (SLTD) benefitprovides:Multiply the premium factor for your age and planselection by your monthly earnings to determine yourmonthly premium. Competitive group rates; Survivor's benefits for eligible dependents;Age preceding90-day180-dayJanuary 1waiting periodwaiting periodUnder 310.000620.00049 Return-to-work incentive;31-400.000860.00067 SLTD conversion insurance;41-500.001700.00129 Cost-of-living adjustment; and51-600.003430.00263 Lifetime security benefit.61-650.004120.0031666 and older0.005040.00387 Coverage for injury, physical disease, mental disorderor pregnancy;SLTD benefits summaryBenefit1Benefit waiting period90 or 180 daysMonthly SLTD benefit1Up to 65% of yourpredisability earnings, reducedby your deductible incomeMinimum benefit 100 per monthMaximum benefit 8,000 per monthBasic Long Term Disability and Supplemental Long Term Disability benefits aresubject to federal and state income taxes. Check with your accountant or taxadviser about your tax liability.What you can do duringopen enrollment: Enroll in Supplemental Long Term Disabilitycoverage without medical evidence. Change your benefit waiting period from 180 daysto 90 days for existing coverage without medicalevidence. Change your benefit waiting period from 90 daysto 180 days for existing coverage without medicalevidence. Drop coverage.82021 Insurance Summary
Step 6:Choose your MoneyPlus elections.Are you leaving money on the table? MoneyPlus is a tax-favored accounts program that allowsyou to save money on eligible medical and dependent care costs. You fund the accounts withmoney deducted pretax from your paycheck. Learn more about your MoneyPlus options atpeba.sc.gov/moneyplus.1Standard Plan membersSavings Plan membersMedical Spending AccountHealth Savings AccountYour Standard Plan works great with a Medical SpendingAccount (MSA). Use your MSA to pay for eligible medicalexpenses, including copayments and coinsurance. As youhave eligible expenses, you can use a debit card for youraccount or submit claims for reimbursement. You cancarry over into 2022 up to 550 in unused funds fromyour account. You forfeit funds over 550 left in youraccount after the reimbursement deadline. You mustre-enroll each year.Your Savings Plan is designed to go hand in hand with aHealth Savings Account (HSA). With an HSA, you can saveup to 875 a year in taxes.2 Pay for out-of-pocket medical expenses, such asdeductibles and prescriptions. Carry over all funds from one year to the next. You own the account and keep it if you leave your jobor retire. While there is an annual contribution limit, there's nolimit to how much you can save in your account. You can invest funds to earn investment incometax-free.Limited-use Medical Spending AccountIf you have a Health Savings Account, you can also use aLimited-use Medical Spending Account to pay for thoseexpenses the Savings Plan does not cover, like dentaland vision care. You can carry over into 2022 up to 550in unused funds from your account. You forfeit fundsover 550 left in your account after the reimbursementdeadline. You must re-enroll each year.PlanFundsavailableMSAStandardJanuary 1HSASavingsAs depositedLimited-use MSASavingsJanuary 1Account typeMedicalexpensesDental, visionexpensesBalance carriesfrom year to yearInvestfundsRe-enrolleach yearUp to 550Up to 550Contributions made before taxes lower your taxable earned income. The lower your earned income, the higher the earned income tax credit. See IRS Publication 596 or talkto a tax professional for more information.2Based on a hypothetical individual with an income of 40,000 per year, taxed at 25 percent, who contributes 3,500 to his HSA in 2021.12021 Insurance Summary9
Step 6 continuedAll members2021 Contribution limitsPretax Group Insurance Premium featureAccountThis feature allows you to pay insurance premiumsbefore taxes for health, vision, dental and up to 50,000of Optional Life coverage. You do not need to re-enrolleach year.Dependent Care Spending AccountMedical SpendingAccount2021 Administrativefees feesMonthlyHealth Savings 7,200 (family coverage) 1,000 (catch-up for age 55or older)Limited-use MedicalSpending AccountDependent CareSpending Account2,323Health Savings Account 1.00Limited-use Medical Spending Account 2.32Medical SpendingDependent Care Spending Account 2.32Account(balances less than 2,500)Paper statementsAccountLimited-use MedicalSpending Account 1.25 3.00Dependent CareSpending Account What you can do duringopen enrollment: Enroll in or drop the Pretax Group InsurancePremium feature. Enroll in, re-enroll in or drop flexible spendingaccounts: Medical Spending Account. Limited-use Medical Spending Account. Dependent Care Spending Account. Enroll in or drop a Health Savings Account.10 2,500 (married, filing separately) 5,000 (single, head of household) 5,000 (married, filing jointly)2021 Reimbursement deadlines 2.32Maintenance fee 2,750These are 2020 limits; contribution limits for 2021 will be released by the IRSat a later date.Contribution limit for highly compensated employees is 1,700.Medical Spending AccountCentral Bank (HSA) 2,750 3,600 (self-only coverage)AccountYou can use a Dependent Care Spending Account (DCSA)to pay for daycare costs for children and adults. It cannotbe used to pay for dependent medical care. You submitclaims for reimbursement as you have eligible expenses.The funds can be used only for expenses incurredJanuary 1, 2021, through March 15, 2022. You forfeitfunds left in your account after the reimbursementdeadline. You must re-enroll each year.LimitGrace periodDeadlineNoneMarch 31, 2022NoneMarch 31, 2022March 15, 2022March 31, 2022If you enroll in an HSA, youmust open a bank accountwith Central Bank and enter avalidation code in MyBenefits.Visit schsa.centralbank.net toopen an account.Changes allowed by COVID-19 Relief BillThe information in this summary includes details fornormal plan provisions. The COVID-19 Relief Bill, whichwas signed December 27, 2020, allows for changes toflexible spending accounts. View the COVID-19 ReliefBill summary for FSAs in 2021 document for moredetails about the changes.2021 Insurance Summary
MoneyPlus worksheetInclude the amounts you listed in Steps 1-3 on the worksheet below to calculatethe amount you may wish to contribute to an MSA or a DCSA. Be conservative inyour planning. Remember that any unclaimed funds cannot be returned to you. You can, however,carry over up to 550 of unused MSA funds into the 2022 plan year. You cannot carry over DCSAfunds, and you cannot transfer funds between flexible spending accounts. Refer to Page 10 for annualcontribution limits.Medical Spending AccountDependent Care Spending AccountEstimate your eligible out-of-pocket medical expenses for theEstimate your eligible dependent care expenses for theplan year.plan year.Medical expensesChild care expensesHealth insurance deductible Day care services Copayments and coinsurance In-home care/au pair services Prescription drugs Nursery/preschool Dental care After-school care Vision care Summer day camps Travel costs for medical care Elder care expensesOther eligible expenses Day care center services Annual contribution In-home care services Annual contribution 2021 Insurance Summary11
You’re covered with membership ID cards.You receive insurance cards for health, prescription, dental and vision benefits. You can also accessyour digital identification cards from the BlueCross, Express Scripts and EyeMed apps. Only thesubscriber’s name will be on the cards, but all covered family members can use them.State Health PlanLTEMy ProfileMenuFor help accessing your card, call BlueCross at 800.868.2520 orLTE8:16 AMlog in to My Health Toolkit.ID CardHealth ID CardDental PlusDental ID CardFor help accessing your card, callBlueCross at 888.214.6230 orlog in to My Health Toolkit.STATE MEMBERSTATE MEMBERZCS12345678STATE MEMBERZCS12345678STATE MEMBERZCS12345678ZCS12345678State Dental PlusGRID GRID GRID GRID STATE MEMBERZCS12345678State Dental PlusState Dental PlusState Dental PlusIf you need a Basic Dental card,contact your benefits administrator.EXPRESS SCRIPTS EXPRESS SCRIPTS Prescription Drug ID CardEXPRESS SCRIPTS RxBIN 003858E X P R E S S RxPCNS C R I P TA4S RxGrpPrescription Drug ID ID CardRxBIN003858A4PrescriptionDrugIDID Card123456789012RxPCNRxBIN003858RxGrpSCPEBAX Name JOHN Q SAMPLERxPCNRxBIN 151014609IssuerNameJOHNQ SAMPLEID123456789012(80840)NameJOHNQ SAMPLEID123456789012NameJOHN Q SAMPLEState Health PlanShareFullscreenView Backof CardPrescription drugFor help accessing your card, callExpress Scripts at 855.612.3128 orvisit www.Express-Scripts.com.Group NameYour EmployerVision careGroup Number123456789For help accessing your card, callEyeMed at 877.735.9314 or visitwww.EyeMed.com.Benefit PeriodJan 1, 2020 - Dec. 31, 2020HomeID CardClaimsBenefitsFind CareYou can also contact vendors to order a replacement card.122021 Insurance Summary
Your benefits on the goDid you know your phone can be your go-to resource for accessing your insurance benefitsinformation? Mobile apps are available for your health, dental, prescription, vision and flexiblespending benefits.BlueCross BlueShield ofSouth CarolinaSearch for My Health Toolkit.EyeMedSearch for EyeMed Members.Vision benefitsHealth and dental benefits Learn about your coverage. Learn about your coverage. Search for network providers. Find a provider. Set eye exam and contact lens change reminders. Check status of claims. Access your identification card. Access your identification card.Express ScriptsSearch for Express Scripts.ASIFlexSearch for ASIFlex Self Service.Flexible spending accountsPrescription benefits Submit and view status of a claim. Check if a drug requires priorauthorization and compare drug prices. Submit documentation. Locate a network pharmacy. Refill and renew mail order prescriptions. View account details. Read secure account messages. Access your identification card.2021 Insurance Summary13
Manage your health and pharmacy benefitswith My Health Toolkit.When you’re a member of the State Health Plan, you have one convenient place for managing yourhealth and pharmacy benefits. My Health Toolkit is your one-stop destination.Using the My Health Toolkit app is easy.Get started by signing up today.Learn more about your coverage.It’s easy to sign up for My Health Toolkit. Follow thesesteps to have everything you need at your fingertips.Look up your medical coverage, deductible and out-ofpocket spending.Check medical claims.View the status of a current or previous medicalclaim, the date of service, the amount charged by yourprovider and the amount you may owe.Check dental claims.Look up your dental coverage, deductible and out-ofpocket spending on dental care.View or replace your identification card.Access an electronic version of your card or order areplacement card by visiting the full site.Manage your prescriptions.You're just a click away from all your medication details.Select the full site link to access your Express Scriptsaccount. You can see prescription drug claims andpayment history, find and compare drug prices, check tosee if a medication is subject to clinical rules, see yourprescription order status, order a temporary ID cardand much more.1. Search My Health Toolkit in your app store.2. In the app, select Sign Up.You can also visit www.StateSC.SouthCarolinaBlues.comand select Create An Account.3. Enter your member identification number on yourState Health Plan identification card and your dateof birth.4. Choose a username and password.5. Enter your email address and choose to gopaperless.If you have not created an Express Scripts account, you’llbe prompted to create one the first time you access yourpharmacy benefits through My Health Toolkit.If you have any questions about your My Health Toolkitaccount, call BlueCross at 800.868.2520.Find a provider.Use the find care link to view a list of network doctorsand medical facilities or dentists in your area. Filter yoursearch and compare results side by side. You can evenview feedback from other members about a specificprovider.142021 Insurance Summary
Don't pay more than you should.Be a smart health care consumer. Look at your Explanation of Benefits (EOB) after you receiveservices and compare your provider's bill to the amount listed on your EOB.What’s an EOB?This is a report that’s created whenever the health anddental plans process a claim. An EOB shows you:2357LTE How much your provider charged for services.My Profile How much the Plan paid.BackEXPLANATION OF The amountyouTHIS IS NOTA will be responsible for, such as yourIfyouhaveaquestionabout your and coinsurance.copayment,deductibleclaim, please call Customer Service at800-868-2520 The to
2021 Insurance Summary 1 Welcome There are certain times throughout the year when you may enroll in insurance coverage or make changes to your coverage. Review this summary and use the appropriate worksheet on Pages 26 and 27 . to plan the 2021 health coverage and additional be
manual are available on PEA’s website at peba.sc.gov/forms. Revisions PEBA makes revisions and updates to the manual as necessary. We strongly encourage you to check our website to be sure you are referring to the most recently updated manual since retirement laws, policies, procedures and information change. Address 202 Arbor Lake Drive
Enhance Contact Center customer service capabilities by implementing modern customer relationship management (CRM) system with integrated customer benefit views, historical PEBA interactions, and personalized information. Consider hosted cloud solutions - Be open to a government cloud based COTS solution to
2 2022 Insurance Summary Your health plan options Your insurance needs are as unique as you are. You may meet your deductible each year, or maybe you can't remember the last time you saw a doctor. No matter your situation, the State Health Plan gives you two options to cover your expenses: the Standard Plan or the Savings Plan.
The king's insurance options 5 Things you need to know 7 The stuff you need to do 14 How to claim 16 Our commitment to you 20 Car insurance 22 Car warranty 37 Shortfall cover 45 Scratch and dent 46 Tyre and rim 48 Motorbike insurance 53 Trailer and caravan insurance 64 Watercraft insurance 68 Home contents insurance 77 Buildings insurance 89
Foy Insurance of MA, LLC 198 Frank Consolati Insurance Agency, Inc. 198 County Insurance Agency, Inc. 198 Woodrow W Cross Agency 214 Woodland Insurance Agency, Inc. 214 Tegeler Insurance Services of CT, Inc. 214 Pantano/VonKahle Insurance Agency, Inc. 214 . Hanson Insurance Agency, Inc. 287 J.H. Slattery Insurance Agency, Inc. 287
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consumer guide to auto insurance contents introduction to auto insurance 1 understanding your auto insurance policy 2 required auto insurance 3 optional types of auto insurance 4-5 getting the right coverage 6 accidents and violations 7 how to shop for auto insurance 8 shopping tips 9 frequently asked questions 10-11 insurance complaints/when you have a problem 12
Alfredo Lopez Austin/ Leonardo Lopeb anz Lujan,d Saburo Sugiyamac a Institute de Investigaciones Antropologicas, and Facultad de Filosofia y Letras, Universidad Nacional Autonoma de Mexico bProyecto Templo Mayor/Subdireccion de Estudios Arqueol6gicos, Instituto Nacional de Antropologia e Historia, Mexico cDepartment of Anthropology, Arizona State University, Tempe, AZ 85287-2402, USA, and .
