Notes from the Desk of the CEBT Chariman
This month I would like to address some issues that directly affect our individual members whose employers have chosen CEBT as their provider for employee benefits.
The CEBT Board of Trustees met on January 24, 2020 in Denver as part of its quarterly meeting. As part of the January agenda, the Board considered rate renewals for all groups that are renewing their benefits starting July 1st of 2020. The renewal has a direct effect on the types of coverage and potential costs to the employer, as well has how it will directly affect you as an employee. The impact may affect the type of benefit plan available for you to choose; and what the costs might be for you or your family. Please check with your employer for more information about how the renewal may directly impact you.
Of special interest this month are some of the current benefits that CEBT provides. If you have not seen or taken advantage of some of these benefits, please look at what is available and how you can access these services.
One service that might interest you is CEBT’s Teladoc services. This service is an excellent way to get help noncritical services when they are not readily available.
“Teladoc provides 24/7 access to U.S. board certified doctors by phone or video for many non-emergency illnesses, including flu, allergies, sinus infections, and more.”
*PPO and EPO member consults are free; HDHP members pay $45 per consult
To register go to: Teladoc.com/CEBT, call 1-800-TELADOC (835-2362), or Download the app
Another service you should check out is SurgeryPlus (Effective 7/1/2019):
SurgeryPlus is a benefit that helps you plan and pay for certain covered medical procedures. When your doctor recommends surgery, you can call SurgeryPlus. SurgeryPlus helps you find a board-certified surgeon with an extensive history of quality. They set up your initial consultation and walk you through each step of the planning process. If there aren’t any SurgeryPlus surgeons near you, SurgeryPlus plans and helps pay for your travel to a SurgeryPlus surgeon. SurgeryPlus negotiates all costs before you have surgery, then coordinates the payment for you. The SurgeryPlus Benefit is offered by the CEBT Health Plan (CEBT), in partnership with Employer Direct Healthcare (EDH), available to members enrolled in non-Kaiser medical plans (excludes HRP)
Contact CEBT's Customer Service unit at 303.773.1373 / 800.332.1168 or a SurgeryPlus Care Advocate at 855.200.6675
Finally, as always, if you have questions about your plan design and benefits, please call CEBT’s customer service representatives at Willis Towers Watson for help.
CEBT Board Chairman
Meet Board Trustee
Lewis Palmer School District
Bob has been on the CEBT Board for five years. During his time on the Board, Bob has enjoyed being part of a team that has increased services such as Teladoc, Surgery Plus, health centers expansion, and now an EAP option for members.
Bob has served Lewis-Palmer School District for 27 years, with the last 10 as the Director of Personnel. Prior to this, Bob served in the middle school for seventeen years as a teacher and assistant principal. He has maintained his sanity after years of eighth graders and enjoys the occasions he is able to hide from the office and work with kids in the classroom.
Bob has a master’s degree in Curriculum and Instruction and a bachelor’s degree in history from the University of Colorado. In addition to education, he served in the US military and in retail management before returning to college to pursue his passion for education.
When not working, Bob enjoys hiking with Allison, his wife of 23 years. He is also a roadie for his son, lugging saxophones and music stands and enjoying the ambiance of a variety of locations where he plays his music. While Bob is consistently reminded he can’t tell a sharp from a flat, he enjoys the music all the same.
CEBT adds EAP Services with Triad Health
CEBT will be introducing an optional EAP for all groups starting 7/1/2020 through Triad. By partnering with Triad, CEBT now completes the benefit circle by providing employees with mental health benefits in addition to medical, dental, vision and life coverage; allowing for complete employee wellness. Triad EAP is a free and confidential product that grants six sessions per year per issue. Eligible employees are those enrolled in the Basic Life plan along with their spouse or significant other, and children through age 26. This benefit will automatically cover employees' dependents, regardless of whether they are enrolled in the medical plan or not. Triad also provides legal and financial services as part of the benefit package. Additional services include, legal benefits (30-minute consultation with an attorney, either in-person or telephonically), as well as unlimited financial counseling on a variety of topics. Make sure to check with your employer to see if they are going to opt into CEBT’s EAP, or go through a different vendor for EAP.
Understanding Your Benefits
One thing that is of utmost importance to every human is their individual health and wellbeing, as well as the health and wellbeing of their loved ones. Health is a significant concept in the sense that without good health it is very difficult to carry on with everyday activities, let alone tackling the bigger issues in life. An essential part of being able to manage your health is being educated about your health benefits and understanding them.
Health insurance can be a daunting and complicated topic to understand, especially in today’s healthcare industry. Not being informed can be detrimental in an already stressful situation if you end up needing surgery or emergency care and don’t understand the bills you are receiving, or how those services are being covered. Therefore, having a basic understanding of how your health coverage works is very important. In order to do this, you must learn the common health insurance terminology so that you can navigate the system easier. Such terms include: copays, deductible, coinsurance, and out of pocket maximum. It is also important to know how to read an Explanation of Benefits to determine your cost share on a medical procedure. A common mistake one can make is mixing up the deductible and the out of pocket maximum. Many think coverage is 100% after the deductible is met, when in reality the deductible is a lump sum of money that must be paid by the individual before the insurance coverage kicks in at a cost share. Understanding the differences between these terms is absolutely key.
Another way to ensure that you stay educated about your benefits is by taking the time to read any emails or communications your HR sends out regarding the health plans or to attend informational meetings (if offered) regarding your benefits. A common tendency of people is to focus only on information that directly pertains to them. This means that you may ignore or delete the email or skip the meeting on learning about your benefits if you don’t feel the information is relevant to you at that time. However, it’s important to remember that your health is an unpredictable thing and you never know when you might get sick or injured and have to utilize your health insurance. Staying educated on your benefits year-round is a proactive approach that will help you to be more prepared should something happen and potentially avoid a lot of stress and confusion down the line.
Additionally, use your resources that are available to you! By going to cebt.org you can access a plethora of information including full benefit booklets, FAQs, provider search engines, forms, and more. Take a few minutes to explore the website and look at your Summary of Benefits and Coverage booklet to get a grasp on how certain types of services are covered by your specific health plan. You can also call the phone number on the back of your medical card to call customer service and inquire about benefits or get more clarification on how a claim processed under your plan. If you feel that you and your fellow employees could use more education about your benefits, please let your HR Department know and CEBT can potentially have a representative come out to give a presentation and help answer questions.
Finally, it is important to take advantage of your preventative care and wellness benefits that are covered 100% throughout the year. Preventative care can include things such as yearly physicals, flu vaccinations, mammograms, colonoscopies, PSA exams and more. By using these benefits, you can stay healthy and get early treatment when necessary; avoiding potential complications and more costly medical treatment in the future. Lists of your covered preventative benefits are posted on the CEBT Website.
Health Center News
Healthy Like Me Winner
Please read Jeremiah's inspiring health improvement story who was chosen by Marathon Health as their Healthy Like Me winner. We hope you are as motivated by his story as we were.
I was in my doctorate program when I realized that my health was headed for a steep decline. I had high blood pressure, was depressed and overweight, and my cholesterol was through the roof. I pushed through life while on the edge of poor health. When I graduated, I realized that for my daughter’s sake, as well as my own, I needed to make changes.
When I went to the CEBT Health & Wellness Center at Gypsum, the team there discussed with me ways to improve my health. I stopped eating red meat and ate more fish, drank more water, and began practicing yoga and meditation. Most importantly, I quit smoking and drinking alcohol. I can personally attest to the tremendous improvement in my quality of life. My mood is stable, I don’t hit the afternoon wall anymore, and I have lots of energy.
Today, I am 20 pounds lighter and my blood pressure, body mass index, and cholesterol are within normal ranges for the first time in 10 years. These positive changes have transformed my life for the better. The team gave me encouraging words and provided ways to address my specific concerns. Thank you, Marathon Health, for helping me achieve my goals.
Use your bio-metric screenings and health coaching sessions with Marathon Health clinicians as a learning experience to prioritize your health. Go in and ask questions. Stay as focused as you can, but if you slip backward into an old habit now and again, just know that it’s normal. Success does not happen overnight. Keep at it!
New Emailing Capabilities
Being knowledgeable and updated about information pertaining to your health benefits is important as this helps you to be a better consumer of your healthcare. CEBT has recently implemented a new email system that will allow the plan administrator, Willis Towers Watson, to communicate directly with employees for the purpose of keeping plan member’s updated about relevant happenings within the CEBT Plan. Initially these communications will consist of these quarterly newsletters with the goal of eventually sending updates and information that pertain to plan specific information. Keep your eye out for these emails so that you don’t miss any important updates.
What ID Cards Can I Expect?
Medical ID Cards will include your member ID number, group number, and medical network. For members not enrolled in a Kaiser plan, the ID card will display a UMR logo on the top of the card. If you have the UnitedHealthCare network you will see this logo in the bottom right hand corner of the card. If you have Rocky Mountain Health Plans network you will see this specific logo in the bottom right hand corner of the card. Any covered dependents will be listed on your card (all covered family members will have same ID number and card information). UMR sends two cards initially and will send additional cards for dependents 16 or older automatically.
Kaiser member ID cards will come from Kaiser and include both medical and prescription benefits.
Those on the UMR medical plan will receive prescription ID cards from CVS Caremark and will include the member ID number, group number, PCN and Bin Number. The PCN and Bin numbers are important numbers for your pharmacist to fill your prescriptions.
Vision coverage wtih UMR (Vision Plan A) will be displayed on your medical ID card. If you have VSP (Vision Plans B or C) you will not receive an ID card and can simply tell your vision provider that you have VSP and they will be able to look your information up in the VSP system. If you are unsure of what vision plan you have please see your employer's Benefits Administrator.
Delta Dental ID cards will include ID number, group number and contact information for Delta Dental of Colorado. These cards will list only the employee/subscriber, but dental providers should be able to see all covered members when looking up benefits.
What Is A True Qualifying Event?
If an employee elects not to cover eligible dependents at the time of initial enrollment, they will be permitted to add dependents only at annual open enrollment or due to a HIPAA qualifying event. This would also apply to members who want to drop dependents outside of open enrollment.
Below is a list of eligible qualifying events:
- Marriage/Common Law
- Gaining/Losing other coverage
In these situations, CEBT does request proof of the qualifying event within 30 days that the event takes place. Acceptable forms of documentation include:
- Marriage certificates/Common law affidavit
- Birth or adoption certificates
- Letter from dependents employer indicating loss or start of coverage
Members need to notify their employer as soon as these events happen. The employer will then provide the employee's information to CEBT in order to make the change.
How Do I Add My Newborn?
A newborn child of a covered employee or dependent spouse is automatically covered during the first 31 days of life. This coverage is only provided automatically under this plan in the absence of other coverage. The dependent must be added to the plan within this time period for coverage to continue past the first 31 days. If dependent coverage is not in force at the end of the 31 days, the child’s coverage will terminate at that time.
FYI: DID YOU KNOW?
What You Need to Know About the Coronavirus
This funny named virus has created a lot of buz lately in the news and social media, but there are still a lot of questions around what exactly this virus is and how to keep ourselves and our families safe.
The Coronavirus or nCoV (not to be mistaken for the Mexican Pale Lager), is a respiratory illness identified in China. It is a highly contagious virus that includes symptoms like fever, cough, and shortness of breath. The risk in the U.S. is currently low, but knowing how to protect yourself is important. Here are a few tips to consider:
Keep it clean
Clean your hands with soap and water for 20 seconds after touching surfaces in public areas, and especially if you are around someone who isn’t feeling well. Also, clean and disinfect frequently touched objects.
Avoid contact with sick people
Avoid close contact with people who are sick and avoid traveling to locations where there are outbreaks of the coronavirus. And if you get sick, stay home to avoid spreading the virus to others.
Contact your healthcare provider
There is no cure for coronavirus, but if you have symptoms of the virus, contact your health care provider. Remember CEBT offers Teladoc as an alternate and cost savings option to urgent care or emergency room visits. Their doctors can evaluate your risk and help with next steps when necessary.
Click here for more information and FAQ's
Navigating The UMR Portal
Keeping track of your medical claims and deductible accumulations has never been easier. CEBT members have free access to the UMR Portal which is accessible via the CEBT mobile app (Android or iOS) or through the CEBT website. In the Portal you can view status of claims that have been submitted by either you or your provider. Once the claim is processed, members can easily download, save, and/or print the Explanation of Benefits (EOB). The UMR Portal also keeps track of what has been applied towards your deductible and out of pocket maximum and is a great tool to use to organize your claims to make sure you have been billed correctly by your provider.
You can register by clicking here to get started with organizing your health bills.
Upcoming CEBT Benefit Changes for 7/1/2020
Addition of three new High Deductible Health Plan options (HSA eligible). The current HD5000 will have a name change as noted below. There will be no change to deductible/out of pocket amounts.
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