- Notes from the Desk of the CEBT Chairman
- The CEBT Board-Meet Angela
- What's New- Reminders of changes effective 07/01/2019, CEBT plan changes effective 01/01/2020
- How to Better Consumers of Healthcare-SurgeryPlus
- Health Center News-Promoting Wellness, Meet Nate
- IT Updates-Mobile App
- FYI-Accordant, Legislative News, Community Updates, CEBT survey
Notes from the Desk of the CEBT Chairman
Hopefully everyone is enjoying Colorado’s summer weather, even if it has been hot!
The CEBT Board of Trustees finished their two-day annual conference meeting in Vail the week of July 15th. The conference included many of the routine Board activities, but also included some notable items. In summary:
- The Board appointed Angela Wurtsmith from the Colorado Mountain College as a new trustee to fill the vacancy created by the resignation of Trustee Joe Royer.
- The Board also declared a vacancy in the Board of Trustees with the acceptance of the resignation of Trustee Twyla Jensen. The process for selecting someone to fill that vacancy will begin soon, with an appointment expected at the fall meeting. If you are interested, please apply.
- Renewal rates for the January 1 renewing groups were set. Renewal packets will be distributed this fall so stay tuned. Overall, the Trust continues to run well.
- The Board heard presentations from the Trust's current benefit vendors and third party administrator, which included: CVS/Caremark, Delta Dental, Marathon, Kaiser Permanente, and UMR/UHC.
- Other business included several updates on the financial status of the Trust, the strategic plan, new and lost business, report on the membership in each of the medical plans that the Trust offers, and future meeting dates.
- Action items included: renewal of the Trust’s lobbyist, contract and maintenance renewals with a number of CEBT’s contractors, adoption of new Trust policies, Health Center Assessments, and a number of additional health benefits in your plans. Ask your CEBT customer representative if you have any questions about the Board’s action items.
Remember that this is your Trust. You are always welcome to attend any CEBT Board of Trustee Meeting. Meeting sites vary, so please consult with your CEBT representative if interested in attending a meeting, or check on the CEBT web site for meeting notices. The future meeting schedule is:
- November 8, 2019, Denver, Colorado
- January 24, 2020, Denver, Colorado
- April 24, 2020, Denver, Colorado, and
- July 20 & 21, 2020 – Vail Summer Conference
Thank you for your support of CEBT.
CEBT Board of Trustees
With 25 years of human resources experience under her belt, Angela Wurtsmith is the newest trustee on the CEBT board.
Among the innovative programs that Angela has introduced at Colorado Mountain College, where she is director of human resources, are SurgeryPlus and the Healthcare Bluebook. To her delight, the CEBT Trust decided to make these programs more broadly accessible by launching them for all Trust members July 1, 2019. She said she looks forward to continuing to bring innovative ideas as a trustee for CEBT.
Angela is an administrative professional with over 25 years of experience, her diverse skills and qualifications have allowed her to build her career in a variety of roles in human resources. She owned her own business for over 17 years which created a solid foundation for her career path in HR. The combination of her degrees, her professional experience in both county-level government and in a special district has prepared her for this new role. She is an active member of the Glenwood Spring Chamber for over 20 years. Her peers say that “her intelligence, sense of humor, and love of learning are among her best assets” and that she is “logical, thoughtful, resourceful, and well-spoken.”
She holds a Master of Science in organizational leadership with human resources management specialty from CSU-Global, and a Bachelor of Science in business administration and Associate of Arts with a business emphasis from Colorado Mountain College.
Her various memberships include College & University Professional Association for Human Resources (CUPA-HR), International Foundation of Employee Benefit Plans, National Society for Human Resource Management, and Garfield County Worksite Wellness Advisory Committee.
Angela grew up in Arizona, where she met and married her husband, Barry. They have been married for over 30 years. They have lived in the mountains for more than 29 years.
Reminders of Changes Effective 07/01/2019
- Remove the copay for one session on both PPO and EPO Plans for the Diabetic Self-Management benefit.
- Prior authorization is required for infusions (Injectable Medications, Home Infusions and Chemotherapy) on the PPO and HD plans.
- $50 copay per Urgent Care visit on all PPO plans
- SurgeryPlus: A supplemental benefit that reduces out-of-pocket costs and provides top-quality care for non-emergent surgeries.
- Healthcare Bluebook: Healthcare Bluebook is a new tool that all members on one of CEBT’s major medical plans now have access to as of July 1st, 2019. It can be used to shop around for procedure costs, save money on healthcare and get rewarded for using a facility that charges a fair price! Healthcare Bluebook is user friendly and easy to navigate. Members can search for specific procedures and see what their estimated out of pocket cost is while comparing price differences between the green, yellow and red providers. When utilizing the green providers, members are eligible for up to $100 in rewards. Get paid to save!
You can either create an account on healthcarebluebook.com/cc/CEBT or access the cost estimator from anywhere with the Healthcare Bluebook Mobile app that is now available for download. Use the Company Code: CEBT. See the flyer below for more information.
CEBT Plan Changes Effective 01/01/2020
- Colonoscopies: Remove age limit for routine/preventive services on all plans (PPO, EPO, HD)
- HD2700 will become HD2800 due to IRS requirements: Deductible will increase from $2,700(individual)/$5,400(family) to $2,800(individual)/$5,600(family) *No change to the maximum out-of-pocket
- United Healthcare Network: Will change from Options PPO to Choice Plus *This will result in an ID card reissue for all members under the UHC network option
- Addition of Right Start 4 Kids program: Applicable to dependent children to the age of 13 (through age 12). No deductible on all services and all services paid at 100% up to the plan year maximum (subject to annual maximums and limitations; does not apply to orthodontia).
- Addition of Prevention First program: Preventive services will be covered at 100% and will not be applied to the annual maximum. This will make the annual maximum go farther for other, non-preventive, services
- Dental Plan A changes: There will be an increase in the annual maximum from $1,750 to $2,000. Adult Orthodontia (current $2,000 max is applicable) will be added.
- Employee Max Benefit will increase from $300k to $500k
- Employee Guarantee Issue (GI) amount will increase from $100k to $150k
- Spousal max coverage will increase from $10k to $250k with a GI of $30k
- Child coverage will increase from $5k to $20k
- True Open Enrollment will be allowed with GI for all groups currently offering Voluntary Life
- Participants who elect coverage during initial enrollment will be have the option to increase their benefits every year up to $20k with no medical underwriting
How to be a Better Consumer of Healthcare
Effective 7/1/2019, CEBT rolled out a new supplemental benefit called SurgeryPlus to help drive down the cost of healthcare for CEBT members. SurgeryPlus is a comprehensive benefit which unlocks access to a premier network of high-performing surgeons for each individualized need. This supplemental benefit is for non-emergent surgeries and provides top-quality care, a better experience and lower costs. At SurgeryPlus, their primary focus is the quality of care for you and your family. Using substantial tools and resources they are able to identify the best quality providers across the country.
From start to finish SurgeryPlus has a concierge service to help you identify a high quality physician who meets your specific needs, as well as provide you with a tailored concierge experience throughout your surgical journey. Your Care Advocate will locate the best fitting Surgeon of Excellence for you, schedule all your appointments, coordinate the transfer of your medical records, and follow up with you post-procedure to ensure top satisfaction with your experience.
You may be wondering, How much will this cost? If you are covered under CEBT’s medical plan, you have been automatically enrolled in the SurgeryPlus benefit at no cost to you! CEBT will work to reduce your financial burden through plan-specific financial incentives when you use SurgeryPlus and will waive your Out-of-Pocket costs (i.e. coinsurance and/or deductible on PPO plans, or copay on EPO plans).*
*HDHP plans will require a minimum amount of the deductible to be met first. For 2019 it will be $1,350 and for 2020 it will be $1,400.
** Kaiser plans are not eligible
SurgeryPlus covers hundreds of planned surgeries. Please see below for a list of some of the covered procedures. Not all covered procedures are listed. If you do not see a procedure listed make sure to call a Care Advocate at 855.200.6675.
To utilize this benefit call SurgeryPlus to begin planning your procedure, and let the Care Advocate take care of the rest.
Also check out the SurgeryPlus Member portal for a variety of self-help content such as a Provider Search Map, Benefits & Educational information, and online chat capabilities for any questions.
Please note if you need a SurgeryPlus ID card and are on one of the CEBT major medical plans (Kaiser plans and the HRP are not eligible) you can order an ID card by registering on the SurgeryPlus portal. Login by going to CEBT.surgeryplus.com. Input the required information and the access code is surgeryplus.
Health Center News
There are many ways that CEBT’s Health & Wellness Centers go above and beyond to promote wellness for our groups. The Centers are operated by Marathon Health and their main priority is keeping members happy and healthy. Sometimes this is achieved by implementing specific programs that are often tailored to certain group’s needs. For instance, the Greeley center runs an anxiety and stress management program that helps members maintain strong mental health. All six Centers focus on fitness and nutrition programs which include: HEC (Hunger, Energy, and Cravings), Functional Foods program, and Weight Loss Programs. Marathon also conducted programs at the Glenwood Springs, Loveland, and Greeley Centers called S.P.A.R.K. This was a 12-week program that focused on nutrition and exercise habits to target the symptoms and health risks associated with metabolic syndrome. Participants receive support, prevention tips, assessments, results, and knowledge necessary to become active in their health and live the healthiest life possible. Marathon is able and willing to work with individual employer groups to implement programs that will help address specific needs of the employee population. The Centers also offer one on one coaching for members who prefer personalized assistance in achieving their health goals. If you are eligible for one of the CEBT Health & Wellness Centers, give them a call to see what types of programs they are offering or to see what specific services they can do for you!
CEBT Health & Wellness Center Testimonial
" My name is Nate Adams and I am 40 years old. I live in Glenwood Springs with my wife and three boys, where I work for the Roaring Fork School District in HR as a Recruiter. During the summer of 2018, following a minor abrasion to my left armpit at a spa visit (watch out for salt scrubs!) I developed a small, red lump that became increasingly painful and swollen over about a week. By the time I got out of the woods and down to the CEBT health center here in town, I could barely move my arm, and was in quite considerable pain. Nicole and Maria, the always-friendly staff there, took a look, took labs, and then immediately started me on treatment for what they quickly gaged to be drug-resistant MRSA. In-house that very day, they were able to address the (now lemon-sized) infection site with a scalpel, right then and there. Long (and gross) story short, over the next three days (including a Saturday and a Sunday!) Nicole and Maria came back in to drain, treat, and re-dress my incision. All the while keeping me in good spirits, and explaining what to do at home and what came next. I left each day with all the drugs and bandages I needed, at no cost. In the end, I was able to avoid entirely what would have surely been thousands in urgent or emergency care costs. The real cherry on top was their follow-up calls as the next few weeks went by, making sure I was still on the right track and (if begrudgingly) making my appointments with Infectious Disease for the six-month process of decolonization - yuck! An amazing, if arm-threatening, adventure I will never forget, and an amazing, deeply affirming clinical service experience. I will be forever grateful."
If you have partnered with Marathon Health we want to hear about it! For a chance to share your story in the CEBT quarterly newsletter, please reach out to Danitza Gline at firstname.lastname@example.org.
Want a chance to win some money? Submit your story to Marathon Health by August 31, 2019 at https://www1.marathon-health.com/healthylikeme. From all the great stories submitted, Marathon Health will pick 10 to publish and promote. This contest is open to all Marathon Health clients and is not subject to CEBT members only.
The CEBT mobile app is ready to download at the iPhone App Store and the Android App on Google Play! Download the CEBT app for easy access to view your benefits, find providers, access your ID cards and ask questions to your CEBT administrative team. Your username and password will be the same as your online enrollment credentials.
Q: Where can I find a claim form to submit a medical service for reimbursement?
A: By going to cebt.org and clicking on Forms. The claim form for medical reimbursement is called the UMR Medical/Vision Claim Form.
Q: Where can I view my Explanation of Benefits if I don’t receive them in the mail?
A: If you don’t receive an EOB in the mail or if you misplace it, you can view all of your Explanation of Benefits online on umr.com. You can create your account by going to the umr.com website. Once registered, you can then log in to view your medical claim details, download or print explanation of benefits, and view deductible and out of pocket accumulations. As well, you can always call our customer service team at Willis Towers Watson if you need help locating an EOB and have us email or fax it to you. The customer service team can be reached at 800-332-1168.
Q: How do I know if my provider is in network? How do I find an in network provider?
A: Start by going to www.cebt.org and clicking on “Providers & Partners” tab.
There are two networks that CEBT contracts with depending on the group. Please contact your HR Administrator if you are unsure which network applies to you.
For United Healthcare Members
Select the UnitedHealthcare tab
Click on Search for a medical Provider
This will bring you to search engine where you can enter in zip code & search for providers, facilities or different types of services.
For Rocky Mountain Health Plan Members
Select the Rocky Mountain Health Plans Tab
From here, you can enter in your desired location.
To ensure the member is using the proper plan within RMHP, Click on “All Plans” and scroll to the bottom to choose “UMR Self Funded”
You can search by the kind of provider you are looking for or search by their name.
it will pull up a list of providers, their contact information, and whether or not they are accepting new patients.
Q: Where can I find information about my benefits?
A: Finding your benefits is easy and located all in one place. Start by going to cebt.org and clicking on the “Benefit Booklets” Tab. There are downloadable PDF’s of every plan CEBT offers to their clients. On the left column you will see comprehensive benefit packets that have an overview of the EPO/PPO/Kaiser plans. On the right column there are SBC’s (Summary of Benefit Coverage) that go into specifics for each plan. You will find out what is covered, if pre-authorization is required along with deductible/coinsurance/out of pocket max information. You can also access your dental and vision benefits.
AccordantCare: A No-Cost Health Benefit from CEBT
What is AccordantCare?
AccordantCare is a program designed for patients or parents of children with autoimmune or genetic conditions, epilepsy, HIV, or other complex or rare conditions. AccordantCare lets you talk to a nurse who specializes in your condition any time – day or night and it’s a part of your benefit plan, so there’s no cost to you. Whether you need a lot of support, or you just have a question now and then, AccordantCare is tailored to your needs. Along with one-on-one phone support, you’ll have digital tools to help you keep track of your health.
How does it work?
Once you sign up, you’ll have an AccordantCare nurse and a resource specialist who can help you with the following:
-Get answers and learn more about your health - Set goals and stay on track - Spot risks early before they affect your health - Find support in your community - Make lifestyle changes for better health - Get the care you need by working with your doctor and health care team
What Conditions are covered?
Amyotrophic Lateral Sclerosis (ALS), CIDP (Chronic Inﬂammatory Demyelinating Polyradiculoneuropathy), Crohn’s Disease, Cystic Fibrosis, Dermatomyositis, Epilepsy (Seizures), Gaucher’s Disease, Hemophilia, Human Immunodefciency Virus (HIV), Multiple Sclerosis, Myasthenia Gravis, Parkinson’s disease, Polymyositis, Rheumatoid Arthritis, Scleroderma, Sickle Cell Disease, Systemic Lupus Erythematosus (SLE or Lupus), Ulcerative Colitis
Where can I go for more information or to get started?
For more information and to get started, call us at 1-844-218-3963 or visit Accordant.com.
5/28- The IRS has now released adjusted dollar limits for health savings accounts HSAs in anticipation of 2020 inflation. This includes the maximum annual contribution amount for an HSA, as well as the minimum deductible and maximum out-of-pocket expense for a high deductible health plan (HDHP). Every year these amounts are updated to coincide with the cost-of-living adjustments. This information is important for employers offering HSA-qualifying HDHPs.
$1000 is the 2020 HSA catch-up contribution amount for participants reaching age 55 by December 31, 2020. This is a fixed amount by statute, and is the same amount that was applied in 2019.
Did you know you can order ID cards in the CEBT online community?
CEBT members and administrators now have the capability to order new ID Cards through the CEBT Community Portal. If you need a temporary ID card, you are able to conveniently print one out in the same place!
Did you know you can submit a question online through the CEBT online community portal?
CEBT members can log into their CEBT Community portal through the website or the CEBT app and submit a question to our customer service department. They can typically expect a response within 24-48 hours. A benefit to using this system for online questions is the member can track every case they have opened and reference back to it in the future if ever needed. This is also a secure site that protects any PHI.