2022 Benefits Guide Final - English
2022 Benefits Guide Final - English
This overview is designed to assist you in making your benefit enrollment choices and will also serve as a handy reference
throughout the year. We encourage you to take the time to review this guide to educate yourself about your benefit options
so you can choose the best coverage for your needs.
What’s Inside
Enrolling in Coverage 3
Who is Eligible? 3
How to Enroll 4
Medical Coverage 5
Medical Summary 6
Dental Coverage 7
Vision Coverage 7
Your Cost for Coverage 7
Flexible Spending Accounts (FSA) 8
Life and AD&D Insurance 9
Disability Coverage 9
Employee Assistance Program (EAP) 10
401(k) Savings Plan 10
Other FET Benefits 11
BCBSTX Resources 11
Time Off 12
Important Notices 13
Important Contacts 15
Short Term Disability 30 days You must provide accurate Social Security numbers and
1st of month following dates of birth for all enrolled dependents during enrollment.
401(k)
30 days
Out-of-Pocket Maximum
(Individual / Family) $4,000 / $8,000(1) $8,000 / $16,000(1) $2,800 / $5,600 $5,200 / $10,400
Office Visits
• Virtual Visits $30 copay N/A $44(2) N/A
• Primary Care $30 copay 50% after 0% after 50% after
• Specialist $60 copay deductible deductible deductible
20% after $250 copay 0% after 50% after
Inpatient Hospital Services
deductible then 50% deductible deductible
Ambulance
(Emergency Only) 20% after deductible 0% after deductible
Generic
$10 copay
50% of 0% after
Brand-Name Formulary 20%, $30 allowable deductible
min/$100 max 0% after
amount deductible
Non-Formulary 20%, $50
min/$150 max
Generic
$30 copay
If deductible has been met, cost of virtual visit is $0. Charges for mental health services may be higher.
(2)
To find a Blue Cross Blue Shield of Texas provider near you, go to www.bcbstx.com or call 800.521.2227.
Vision Coverage
The vision plan includes benefits for eye exams, eyeglasses, and contact lenses through the VSP network. You may visit a
doctor within the VSP network and take advantage of higher benefits coverage, or visit an out-of-network provider of your
choice for a reduced benefit. To find a provider, visit www.vsp.com or call 800.877.7195. VSP does not provide ID cards.
At the time of service, simply provide your Social Security number.
Up to $250,000 in
Up to $500,000 in $5,000 increments, not to Children between
Amount of Coverage $10,000 increments, not to 6 months and 25
exceed 50% of employee’s
exceed 5X base salary voluntary coverage years: $10,000
Guaranteed Issue
(Available during initial $150,000 $50,000 No EOI required
enrollment, no EOI)
*Coverage for children between 14 days and 6 months of age is limited to $500.
Disability Coverage
The FET-provided Short-Term Disability (STD) Plan and Long-Term Disability (LTD) Plan are intended to replace a portion of
your income in the event of an illness or injury. Coverage is provided through The Hartford. Keep in mind that LTD benefits are
offset by other sources of income, such as Social Security and workers’ compensation.
For confidential assistance with nearly any personal mat- If you do not make an investment election, your contributions
ter you may be experiencing, browse the online tools and will be invested in an age-appropriate target date fund based
resources, or call the EAP 24 hours a day, 7 days a week at on your date of birth and an estimated retirement age. You
800.327.1850. may contribute from 1% up to 75% of your pay up to the IRS
This program offers the following services: limits ($19,500 plus $6,500 in catch-up contributions if you
• Face-to-face individual counseling: Up to 3 counseling are at least age 50 before the end of the year).
sessions, per family member per year.
• Professional assessment and referrals. Your contributions can either be pre-tax contributions, Roth
• Assistance with legal advice, financial consultation, 401(k) after-tax contributions or a combination of both. You
parenting and family services, and elder care and may change your contribution amount and investments at
child care resources. any time. You are 100% vested in your own contributions
and all earnings on those monies.
Well OnTarget
IT'S EASY TO GET STARTED Get the tools and support you need, plus rewards for making
healthy choices. Gain access to a convenient, members-only
Benefits are subject to deductibles, copays, and coinsurance consistent with other coverage provided by the plan. If you have
questions about the current plan coverage please contact your HR Representative.
An eligible employee who is a covered servicemember’s spouse, child, parent, or next of kin may also take up to 26 weeks
of FMLA leave in a single 12-month period to care for the servicemember with a serious injury or illness.
An employee does not need to use leave in one block. When it is medically necessary or otherwise permitted, employees
may take leave intermittently or on a reduced schedule.
Employees may choose, or an employer may require, use of accrued paid leave while taking FMLA leave. If an employee
substitutes accrued paid leave for FMLA leave, the employee must comply with the employer’s normal paid leave policies.
Upon return from FMLA leave, most employees must be restored to the same job or one nearly identical to it with equivalent
pay, benefits, and other employment terms and conditions.
An employer may not interfere with an individual’s FMLA rights or retaliate against someone for using or trying to use FMLA
leave, opposing any practice made unlawful by the FMLA, or being involved in any proceeding under or related to the FMLA.
Requesting Leave
Generally, employees must give 30-days’ advance notice of the need for FMLA leave. If it is not possible to give 30-days’
notice, an employee must notify the employer as soon as possible and, generally, follow the employer’s usual procedures.
Employees do not have to share a medical diagnosis, but must provide enough information to the employer so it can
determine if the leave qualifies for FMLA protection. Sufficient information could include informing an employer that the
employee is or will be unable to perform his or her job functions, that a family member cannot perform daily activities, or that
hospitalization or continuing medical treatment is necessary. Employees must inform the employer if the need for leave is for
a reason for which FMLA leave was previously taken or certified.
Employers can require a certification or periodic recertification supporting the need for leave. If the employer determines that
the certification is incomplete, it must provide a written notice indicating what additional information is required.
Employer Responsibilities
Once an employer becomes aware that an employee’s need for leave is for a reason that may qualify under the FMLA, the
employer must notify the employee if he or she is eligible for FMLA leave and, if eligible, must also provide a notice of rights
and responsibilities under the FMLA. If the employee is not eligible, the employer must provide a reason for ineligibility.
Employers must notify its employees if leave will be designated as FMLA leave, and if so, how much leave will be designated
as FMLA leave.
Enforcement
Employees may file a complaint with the U.S. Department of Labor, Wage and Hour Division, or may bring a private lawsuit
against an employer.
The FMLA does not affect any federal or state law prohibiting discrimination or supersede any state or local law or collective
bargaining agreement that provides greater family or medical leave rights.
The public reporting burden for this collection of information is estimated to average approximately seven minutes per respondent.
Interested parties are encouraged to send comments regarding the burden estimate or any other aspect of this collection of information,
including suggestions for reducing this burden, to the U.S. Department of Labor, Employee Benefits Security Administration, Office of
Policy and Research, Attention: PRA Clearance Officer, 200 Constitution Avenue, N.W., Room N-5718, Washington, DC 20210 or email
[email protected] and reference the OMB Control Number 1210-0137.