Benefits

Guide

Mintel 2018 – 2019

Health and Wellbeing

For You and Your Family
YOUR BENEFITS FOR 2018/2019

What’s New What’s staying

the same
Created by joni
from the Noun Project

One Card for Medical,

Dental and Vision Mintel HRA reimburses the first $1,000 of medical deductible expenses
for employee only coverage or up to $2,000 for your family through the
Same Health Plan Options — New Names simple Discovery benefits claims process.

Gold → Preferred For FSA Medical Claims - United Healthcare and Discovery Benefits
Health Silver → Value work together to make claim submission easier, reducing the need to
Platinum → Classic submit receipts.
Tired of keeping up with 3 Insurance Carriers and 3 ID Cards? UHC is
now Mintel’s single provider for Medical, Dental, Vision, Life & Disability.
One card does it all—
Dental: UHC
Vision: UHC Universal Debit Card for
Life: UHC
Disability: UHC Transit, Parking, Medical
FSA & Dependent Care

Health4Me MYUHC Portal:

myHealthcareview.com and What you can do with the portal
more in the palm of your hand • Print Membership Card
• Find your doctor
• Review coverage/benefits/deductibles to date
• Schedule a Virtual Doctor visit
• Manage/view claims & prescriptions & EOBs
• Visit Rally Health for incentives
• Visit the myuhc portal

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WHAT’S IMPORTANT TO KNOW ABOUT
THE MEDICAL PLAN CHOICES?

Q&A
What do I pay for medical insurance? When am I eligible?
1. Annual premium 1. New Hire
Regardless of the plan you choose the annual cost to purchase medical 1st of the month following date of hire for medical, dental, vision and flexible
coverage is spread evenly across payrolls, so you pay a portion of it in each spending account (FSA) benefits. Life, accidental death and dismemberment
pay period for you and your family members. (AD&D) and disability benefits are effective on the first of the month following
90-days of employment
2. What will I pay when I begin receiving medical care?
Co-pays Who is Eligible:
For in-network preventive care such as annual exams, you won’t pay a dime. All regular employees working at least 22.5 hours per week
Generally, for all other covered care, including visits to the doctor, you’ll only
pay a co-payment for in-network services and prescriptions. 2. During Annual Open Enrollment

Annual deductible 3. Qualified Life Events

For most hospital related care, the plan does not begin to pay until you have
If you decline coverage for yourself and/or your dependent(s) when first
satisfied your annual deductible.
becoming eligible, you must wait until the next Open Enrollment period to
3. What will I pay after I meet my annual deductible? enroll. However, if you experience a qualified life event during the year, you
Coinsurance may make changes to your elections at that time.
After you meet the annual deductible, all three plans require additional co-pays
for physician visits, prescriptions, emergency rooms or other services until you
reach your annual out of pocket maximum.

4. What’s the most I’d have to pay out of my own pocket?

Out-of-pocket maximum
This is the most you’d pay for covered medical services in a calendar year.
Think of it as your financial safety net. Once you meet your annual maximum,
the plan will pay the full cost of additional covered care.

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PLAN OPTIONS

Preferred,
Coverage Preferred Value Classic

Network Choice Plus Core Choice Plus

Value & Primary Care

Physician co-pay
$0 $0 $25

Classic Plans
OB/GYN Visit co-pay $0 $0 $25

Virtual Visit co-pay $0 $0 $25

Annual Wellness $0 $0 $0
visits

Annual Rates Preferred Value Classic Immediate Care $0 $0 $25

(convienience
clinics) co-pay

Employee $1,356 $756 $2,676 Specialist (derm, $100 $100 $50

orthopedic)

Employee + Spouse $3,576 $2,856 $5,136 Urgent Care $50 $50 $75
(hospital alternative)
co-pay
Employee + Children $3,468 $2,748 $5,088
ER co-pay $250 $250 $200

Employee + Family $5,268 $4,308 $7,788 Annual Deductible $1,000 $1,000 $2,000

Coinsurance 80% 80% 100%

Annual out of pocket $6,500 $6,500 $4,000

max
Mintel HRA reimburses the first $1,000 of medical deductible expenses
for employee only coverage or up to $2,000 for your family, through a Prescriptions tier 1: $0 tier 1: $0 tier 1: $10
simple Discovery Benefits Claims process. Click here for Drug
tier 2: $50 tier 2: $50 tier 2: $30
Tier Information tier 3: $100 tier 3: $100 tier 3: $50
tier 4: $250 tier 4: $250 tier 4: $125
Tiers 3 & 4 Tiers 3 & 4
have a one time have a one time
deductible of deductible of
$250 or $500 $250 or $500

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THE PREFERRED PLAN

Preferred Plan
Coverage Out-of-network
In-Network

Primary Care Physician $0 Plan pays 60% after you

meet your deductible
PPO Network - Choice+

OB/GYN Visit co-pay $0 Plan pays 60% after you

meet your deductible

Virtual Visit co-pay $0 Plan pays 60% after you

meet your deductible

Annual Wellness visits $0 Plan pays 60% after you

meet your deductible

The Preferred Plan

Immediate Care co-pay $0 Plan pays 60% after you
(convienience clinics) meet your deductible

Specialist co-pay $100 Plan pays 60% after you

(dermatology, orthopedic) meet your deductible

Rates per pay period Urgent Care co-pay $0 Plan pays 60% after you
(hospital alternative) meet your deductible

ER co-pay $250 $250

Employee $56.50
Annual Deductible $1,000 per person $5,000 per person

Employee + Spouse $149.00 $3,000 per family $15,000 per family

Coinsurance 80% after your deductible 60% after your deductible

Employee + Children $144.50
Annual out of pocket max $6,500 per person $13,000 per person

Employee + Family $219.50 $13,000 per family $26,000 per family

Prescriptions tier 1: $0 Only covered at in-

network pharmacies
tier 2: $50
Click here for Drug Tier
Mintel HRA reimburses the first $1,000 of medical deductible expenses Information tier 3: $100
for employee only coverage or up to $2,000 for your family, through a tier 4: $250
simple Discovery Benefits Claims process.
Tiers 3 & 4 have a one
time deductible of $250 or
$500

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THE VALUE PLAN

Value Plan
Coverage Out-of-network
In-Network

Primary Care Physician $0 Plan pays 60% after you

meet your deductible
PPO Network - Core PPO

OB/GYN Visit co-pay $0 Plan pays 60% after you

meet your deductible

Virtual Visit co-pay $0 Plan pays 60% after you

meet your deductible

Annual Wellness visits $0 Plan pays 60% after you

meet your deductible

The Value Plan

Immediate Care co-pay $0 Plan pays 60% after you
(convienience clinics) meet your deductible

Specialist co-pay $100 Plan pays 60% after you

(dermatology, orthopedic) meet your deductible
Rates per pay period
Urgent Care co-pay $50 Plan pays 60% after you
(hospital alternative) meet your deductible
Employee $31.50
ER co-pay $250 $250

Employee + Spouse $119.00 $1,000 per person $5,000 per person

Annual Deductible

$3,000 per family $15,000 per family

Employee + Children $114.50
Coinsurance 80% after your deductible 60% after your deductible

Employee + Family $179.50 Annual out of pocket max $6,500 per person $13,000 per person
$13,000 per family $26,000 per family

Prescriptions tier 1: $0 Only covered at in-

Mintel HRA reimburses the first $1,000 of medical deductible expenses tier 2: $50 network pharmacies
for employee only coverage or up to $2,000 for your family, through a Click here for Drug Tier tier 3: $100
Information tier 4: $250
simple Discovery Benefits Claims process.
Tiers 3 & 4 have a one
time deductible of $250 or
$500

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THE CLASSIC PLAN

Classic Plan
Coverage Out-of-network
In-Network

Primary Care Physician $25 Plan pays 80% after you

meet your deductible
PPO Network - Choice+

OB/GYN Visit co-pay $25 Plan pays 80% after you

meet your deductible

Virtual Visit co-pay $25 Plan pays 80% after you

meet your deductible

Annual Wellness visits $0 Plan pays 80% after you

meet your deductible

The Classic Plan Immediate Care co-pay

(convienience clinics)

Specialist co-pay
$25

$50
Plan pays 80% after you
meet your deductible

Plan pays 80% after you

(dermatology, orthopedic) meet your deductible
Rates per pay period
Urgent Care co-pay $75 Plan pays 80% after you
(hospital alternative) meet your deductible
Employee $111.50
ER co-pay $200 $200

Employee + Spouse $214.00 Annual Deductible $2,000 per person $5,000 per person

$6,000 per family $15,000 per family

Employee + Children $212.00
Coinsurance 100% after your 60% after your
deductible deductible
Employee + Family $324.50
Annual out of pocket max $4,000 per person $8,000 per person
$8,000 per family $16,000 per family

Mintel HRA reimburses the first $1,000 of medical deductible expenses Prescriptions tier 1: $10 Only covered at in-
network pharmacies
for employee only coverage or up to $2,000 for your family, through a Click here for Drug Tier tier 2: $30
simple Discovery Benefits Claims process. Information tier 3: $50
tier 4: $125

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INTRO TEXT

Need Help Choosing

Your Plan?
Visit our interactive helper tool by clicking this link to
learn how each plan can benefit you.

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ANYWHERE ONLINE ACCESS

Virtual Visits Use virtual visits when:

• Your doctor is not available or you want the convenience of a visit
Get access to care online. from your home
• You become ill while traveling
Anywhere. Any time. • You are considering visiting a hospital emergency room for a non-

By computer, tablet or phone emergency health condition

• You prefer to speak to a therapist from the privacy of your home
When you don’t feel well, or your child is sick, the last thing you want to do
is leave the comfort of home to sit in a waiting room. Now, you don’t have
Use in-person visits when:
to. A virtual visit lets you see and talk to a doctor from your mobile device or
computer without an appointment. Most visits take about 10-15 minutes and • You have anything requiring an exam or test
doctors can write a prescription if needed, that you can pick up at your local • You have complex or chronic conditions
pharmacy. And, it’s part of your health benefits. • You have injuries requiring bandaging or sprains/ broken bones
• Your child has an ear infection
Virtual Visit doctors can diagnose and treat a wide range of non-emergency
medical conditions, including: • Emergency/crisis situation

• Anxiety/Depression • Fever

• Bladder infection/Urinary • Migraine/headaches

tract infection
• Pink eye
• Bronchitis
• Rash
• Cold/flu
• Sinus problems
• Counseling
• Sore throat
• Diarrhea
• Stomach ache
Access virtual visits

Log in to myuhc.com® and choose from provider sites where you can register
for a virtual visit. After registering and requesting a visit you will pay your
portion of the service costs according to your medical plan, and then you will
enter a virtual waiting room. During your visit you will be able to talk to a doctor
about your health concerns, symptoms and treatment options.

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WHAT ARE MY DENTAL OPTIONS?

Dental Plan Feature In-Network Out-of-network

Annual Deductible Single $25 Single $50

Dental Coverage: United Healthcare
Single / Family Family $75 Family $150
Mintel offers a PPO Plan to all eligible employees through UHC. It offers
the flexibility of seeing any licensed oral health provider subject to a Preventive Plan pays 100%, Plan pays 80%
deductible and a coinsurance arrangement. Benefits are based on a fixed no deductible after deductible
schedule of fees.
Basic Plan pays 80% Plan pays 50%
To Find In-Network Providers:
after deductible after deductible
• Visit the Provider Search

• Click on “select your network” Major Plan pays 50% after deductible

• Select “National Options PPO 30” Annual Maximum Up to $1,500 per person
Benefit
• Enter your Zip Code or City and hit “Search”

• You may also use the Advanced Search option to search by name or
specialty

Rates per pay period

Employee $7.00

Employee + Spouse $19.00

Employee + Children $12.50

Employee + Family $28.50

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WHAT ARE MY VISION OPTIONS?

Vision Plan
Feature
Frequency In-Network
Out-of-
network

Vision Coverage: United Healthcare

Annual Every 12 months $10 copay Not Covered
Mintel offers a PPO vision plan through one of the largest vision Examination
organizations in the country, UHC. The plan provides benefits for an annual
eye exam and to assist in purchasing lenses, frames and contact lenses. Basic lenses Every 12 months $25 copay $40/$60/$80
(single &
The plan offers the flexibility of seeing any licensed eye care professional progressive)
for frames and lenses.
Frames Every 24 months Up to $120; over $45 allowance
To Find In-Network Providers: $120 plan pays
20%
• Visit The Provider Search

• Click on “Find a Provider” on the right-hand side Contact lenses (in Every 12 months Up to 4 boxes or $105 allowance
lieu of glasses) $135 allowance
• Choose the “UnitedHealthcare Vision Plans”
LASIK Surgery 5 to 15% off depending on provider
• Enter your zip code or address information and click on “Search”

Rates per pay period

Did You Know
Employee $2.17
You Can Use
Employee + Spouse $4.13
UnitedHealthcare
Employee + Children $4.34 at Warby Parker
Employee + Family $6.39
most members will be eligible for a pair
of prescription eyeglasses for the cost
of your co-pay
warbyparker.com/united

11
FLEXIBLE SPENDING ACCOUNT

Flexible Spending
Account
An FSA allows you to put aside money
tax-free that can be used for:
One card does it all
Medical Universal Debit Card for
You can use your FSA to contribute up to $2,650 a year for qualified medical, Transit, Parking, Medical FSA
dental and vision expenses through payroll deductions on a pre-tax basis.
& Dependent Care
Dependent Care FSA
For FSA Medical Claims - United Healthcare
Through payroll deductions, you can put up to $5,000 per year into your FSA and Discovery Benefits work together to make
account to pay for qualified dependent care expenses such as child and claim submission easier, reducing the need to
eldercare. submit receipts.

Transportation and Parking FSA

You can set aside up to $260 a month toward mass transit and other qualified
commuter expenses. You can also put aside an additional $260 for parking
expenses. Both benefits let you pay these services with your FSA Debit Card.

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WHAT ARE MY LIFE
INSURANCE OPTIONS?

Life Election Guarantee Amount

Employee $10,000 increments $150,000

Basic Life and AD&D Coverage: United Healthcare up to five times your
earnings up to a
We help our eligible employees maintain financial security by providing a $500,000
group life and accidental death and dismemberment (AD&D) benefit at no cost
to the employee. This benefit is paid for by Mintel. Spouse Increments of $5,000 $30,000
up to a maximum of
50% of the employee’s
Amount: 1x your annual earnings insurance or $250,000

Children Increments of $2,500 $10,000

Supplemental Life Coverage: up to a maximum of
$10,000
Have your financial responsibilities changed due to a baby, marriage or
purchase of a home? Or, have you or your family members developed a health
condition making them uninsurable?

During this annual enrollment only (as we transition providers) – elect
up to 1 times your annual salary up to $150,000 - Guaranteed Amount. You
can also elect up to 50% of your amount for your Spouse and $10,000 for
each of your dependents. Best yet – this Life Insurance can go with you if you
separate employment with Mintel.
Note: Spouse and child coverage is only available when the employee elects
supplemental coverage for him or herself. This benefit is paid for by you.
Please Note: Guaranteed amount applies only during this open
enrollment transition. If you enroll at a later date or increase your elected
coverage amount, you must complete an Evidence of Insurability (EOI)
Application and elections must be submitted to and approved by UHC.
Once approved, your new premium deduction will be applied to your
paycheck. Please refer to plan documents to find more information about
your benefits.

13
WHAT ARE MY DISABILITY
INSURANCE OPTIONS

Short Term Disability Long Term Disability

Short Term Disability Long Term Disability

The loss of income due to a illness or injury can be financially challenging. A disability of a lengthy duration can potentially financially devastate an
Short- term disability (STD) coverage provides financial protection by paying a individual or family. To help protect you from the effects of this income loss,
portion of your income while you are unable to work due to a non-work-related Mintel provides all eligible employees with long-term disability (LTD) coverage.
injury, illness or birth of a child. This benefit is paid for by Mintel.

Employees have two options:

LTD Coverage Features
• Option 1 Non-Contributory (Taxable Benefit):
The benefit is paid for by Mintel. Any benefit paid to an employee through
Income replacement 60% of your weekly salary
the plan is taxable.
Monthly Maximum $5,000
• Option 2 Tax Choice (Non-Taxable Benefit): Benefit
The benefit is paid for by Mintel; however, you can elect to have the value
of the STD premiums added to your taxable wages as they are paid When Benefit Begins After 90 days (usually when STD is exhausted)
each payroll. Under the Tax Choice plan, you pay the income tax on the
premiums paid on your behalf, but benefits paid through the plan are not
taxable, increasing the take-home benefit should you have an approved
claim.

STD Coverage Features

Income replacement 60% of your weekly salary

Weekly Maximum $2,000

Benefit

When Benefit Begins On the 8th day after a physician determines you are
disabled

Maximum benefit period Up to 13 weeks

Your length of disability benefit may vary. Note that
under a natural child birth, six weeks is the typical
benefit following the first week.

14
24/7 LIVE ASSISTANCE

HealthAdvocate Solutions can help answer any questions you may

have on the topics covered in this guide.

Call 24/7: 866.695.8622

Visit us online at: HealthAdvocate.com/members

Download the HealthAdvocate app from the iTunes and Google Play stores.

Available for all employees and your dependents even if you’re not on the
Mintel health plan.

Find the right doctors
We can help you find the right
hospitals, specialists and other
leading providers, anywhere in the
country.
Resolve benefits issues
We’ll do the legwork to resolve
insurance claims and billing
issues, untangle medical bills and
coordinate benefits.
Schedule appointments
Our experts can expedite
appointments, arrange second
opinions and transfer medical
records.
Help with eldercare
We can help address senior
issues including finding eldercare
services, adult day care and more.

Assist in the transfer of Get your questions
medical records answered
We handle the details of We help you become informed
transferring X-rays and lab results. about test results, treatments and
medications.
Work with insurance
companies
Our team works on your behalf to
obtain appropriate approvals for
needed services.
Help to make informed
decisions
We will research conditions and
treatment options, and facilitate
second opinions.

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THERE’S MORE

More Good Stuff

Employee Assistance Program: UHC  OneRx
Mintel’s Employee Assistance Program is for all OneRx® is a free prescription pricing service that
employees. The EAP program is over and above the enables you to comparison shop for medications and
benefits you might receive on any health insurance instantly redeem savings. OneRx lets you know if
program and is free of charge. Employees and their there are discounts and coupons available for your
families get confidential assistance at 1-877-660-3806. drugs, which can help you lower costs regardless
Access to personal and confidential support that’s of whether you’re insured or uninsured. If you have
available 24 hours a day, 7 days a week. insurance, OneRx allows you to view your co-pay
and identify any restrictions before you go to the
With just one call, you can get the following types of
pharmacy.
assistance free of charge:
Visit: onerx.com OneRx’s Saving Tool
• Counseling services, such as relationship, grief,
depression and family support - up to three face-to-
face counseling sessions (on top of what is provided
by health insurance).

• Legal services: Free 30-minute telephone or in-person

consultation with an attorney for help with legal
concerns (an attorney may be retained for ongoing
services at a 25% discounted rate).

• Help with financial and legal issues – EAP connects

you with attorneys for legal assistance or mediation,
as well as consultation with financial professionals.

• Referral to helpful resources: Referrals to community

resources from a database of more than 100,000
contacts.

16
THERE’S MORE

Rally Rewards
Health
Reward Description
Action

Health
Survey
Complete healthy behaviors and
be rewarded  Biometric
Screening
SimplyEngaged is an innovative incentive program that may
help you and your covered spouse meet personal health
and wellness goals.Through this program, you can learn
how to make more informed health care decisions, create a
personalized action plan and complete specific health actions —
all while getting rewarded along the way.
$25 + Complete this Health Survey to earn rewards and get your Rally
Rally Coins AgeSM. This Rally Age helps you assess your current health and how it
compares to your actual age. The Health Survey includes feedback and
recommendations to help you set goals that may be important to you.
$75 + Participate in a confidential screening to earn rewards and learn more
Rally Coins about your important health numbers (total cholesterol, body mass
index, blood pressure and blood sugar).
Complete one of three options:
1. Employer onsite event (if available).²
2. Doctor’s office or convenience care clinic. (Provider must complete a
Provider Results Form.)
3. Participating Quest Diagnostics™ provider. (Provider must complete
a Lab Screening Form.)

Here’s how to earn and access rewards. Missions $50 + Complete at least three Missions to earn rewards. After finishing your
Rally Coins Health Survey, Rally will suggest Missions based on your survey
Access myuhc.com® and find the SimplyEngaged Reward results to help you reach your personal goals and health needs. Note:
Program in Rally®, a user-friendly digital experience that Missions may take up to four weeks to complete.
supports your engagement throughout your health journey.
Health $75 + Work one-on-one with a health coach to complete a specific program.
Coaching Rally Coins Coaches are here to help you lose weight, eat healthier, handle stress
You can earn up to $200¹ by completing any combination of or manage a health condition. Enroll early; some programs may take
activities listed to the side: up to 12 weeks to complete. To join, call
1-800-478-1057.

Fitness $20/mo. + Earn a monthly reward when you visit a participating fitness center
Start earning and access your Action Rally Coins or local YMCA® at least 12 times per month. Register by selecting
a fitness location online and providing the center with your program
rewards today. activity code. Your attendance will be tracked every time you go to the
gym.
1. Log in or register on myuhc.com.
Health Care $25 + Perform a cost estimate for a condition, treatment or procedure to earn
2. Click the link to Rally under Health Resources. Cost Rally Coins your reward. You’ll get estimates for health care costs to help you make
Estimate more informed decisions and help avoid any surprises.
3. Register on Rally to view and track your activities and
start earning your SimplyEngaged rewards. Maximum Incentive:
Questions? Call 1-855-215-0230 $200 per person (employees and covered spouses or domestic partners).

17
IMPORTANT NOTICES

Important Notices
Mental Health Parity Act • All stages of reconstruction of the breast on which the mastectomy has
been performed;
Per the Mental Health Parity Act, benefits for mental health and substance-use
disorder must be treated like benefits for regular medical and surgical care. • Surgery and reconstruction of the other breast to produce a symmetrical
For example, if there is no limitation on the number of days for inpatient and appearance and
number of visits for outpatient medical care, then there can be no limitation for
• Prostheses and treatment of physical complications of all stages of
mental health and substance-use disorder treatments. As always, treatments
mastectomy, including lymphedemas.
must be medically necessary to qualify for coverage.
This coverage will be provided in consultation with the patient and the patient’s
Plan participants should review their plan’s certificate of coverage or benefit
attending physician and will be subject to the same annual deductible,
document for specific information about coverage, limitations and exclusions
coinsurance and/or copayment provisions otherwise applicable under the Plan.
for mental health care and substance-use disorder treatments.
If you have any questions about coverage for mastectomies and post-
Women’s Health and Cancer Rights Act operative reconstructive surgery, please contact Health Advocate.

On January 1, 1999, a federal law, the Women’s Health and Cancer Rights
Act of 1998, became effective, which affects our company plan options. This
law requires group health plans that provide coverage for mastectomies (ours
does) and to also provide coverage for reconstructive surgery and prostheses
following mastectomies. As required under the law, we have included this
notice to inform you about it.
The law mandates that a participant or eligible beneficiary who is receiving
benefits, on or after the law’s effective date (January 1, 1999, for our Plan),
for a covered mastectomy and who elects breast reconstruction in connection
with the mastectomy, will also receive coverage for:
Summary of Benefits and Coverage (SBC)
As an employee, the health benefits available to you represent a significant
component of your compensation package. They also provide important
protection for you and your family in the case of illness or injury. To help
you make an informed choice, the company makes available a Summary of
Benefits and Coverage (SBC), which summarizes important information about
our health coverage in a standard format, to help you compare across options.
The SBC also includes a Glossary of Health Coverage and Medical Terms to
help you better understand health care terms used in the SBC. You can obtain
a copy of the SBC at no cost to you by following this link.

continued on the next page

18
IMPORTANT NOTICES CONTINUED

Qualified life events include:

• Change in status: Marriage, divorce, legal separation, annulment or death

• Change in number of dependents: Birth, death, adoption/placement for

adoption or dependent reaching limiting age

• Change in employment status of employee, dependent or spouse that

affects that individual’s eligibility

• Change in employee, spouse or dependent coverage on spouse’s plan

during spouse’s Open Enrollment period. If you aren’t sure, inquire with
HR.

It is your responsibility to notify Human Resources (HR) within 31 days of the

event. If you fail to do so, you will not be able to enroll or exercise changes
until the next Open Enrollment period. When you, your dependent(s) or your
spouse become enrolled as a result of a qualified life event, coverage will
be made effective retroactive to the date of the qualifying event. For more
information, please contact HR.

19