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• February 1, 2008 Handbook Archives
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• Life Events
• Adding a Domestic Partner
• About the Life Event
• Impact on Benefits
• Making Changes to Benefits
• When to Make Changes
• Pay-related Changes
• Beneficiary Elections
• Employee Assistance Program (EAP)
• Contact
• Child No Longer Eligible for Benefits
• About the Event
• Impact on Benefits
• When to Make Changes
• Pay-related Changes
• Contact
• Death of a Child
• About the Event
• Impact on Benefits
• Making Changes to Benefits
• When to Make Changes
• Pay-related Changes
• Other Things to Think About
• Beneficiary Elections
• Employee Assistance Program (EAP)
• Contact
• Death of a Spouse
• About the Event
• Impact on Benefits
• Making Changes to Benefits
• When to Make Changes
• Pay-related Changes
• Other Things to Think About
• Beneficiary Elections
• Employee Assistance Program (EAP)
• Contact
• Death of an Employee
• Plans That May Pay Survivor Benefits
• Plans That Do Not Pay Survivor Benefits
• Special Death Benefit
• Beneficiary Elections
• Contact
• Getting Divorced
• About the Event
• Impact on Benefits
• Making Changes to Benefits
• When to Make Changes
• Pay-related Changes
• Other Things to Think About
• Beneficiary Elections
• Employee Assistance Program (EAP)
• Contact
• Getting Legally Separated
• About the Event
• Impact on Benefits
• Making Changes to Benefits
• When to Make Changes
• Pay-related Changes
• Other Things to Think About
• Beneficiary Elections
• Employee Assistance Program (EAP)
• Contact
• Getting Married
• About the Event
• Impact on Benefits
• Making Changes to Benefits
• When to Make Changes
• Pay-related changes
• Other Things to Think About
• Beneficiary Elections
• Contact
• Having a Baby / Adopting a Child
• About the Event
• Impact on Benefits
• Making Changes to Benefits
• When to Make Changes
• Pay-related Changes
• Other Things to Think About
• Beneficiary Elections
• Employee Assistance Program (EAP)
• Contact
• Spouse Gets a Job
• About the Event
• Impact on Benefits
• When to Make Changes
• Pay-related Changes
• Contact
• Spouse Leaves a Job
• About the Event
• Impact on Benefits
• When to Make Changes
• Pay-related Changes
• Employee Assistance Program (EAP)
• Contact
• Termination of a Domestic Partnership
• About the Event
• Impact on Benefits
• When to Make Changes
• Pay-Related Changes
• Employee Assistance Program (EAP)
• Contact

• Work Events
• Authorized Unpaid Leave of Absence
• About the Event
• Impact on Benefits
• Paying for Coverage While on Leave
• Contact
• Leaving the Company
• About the Event
• Pay-Related Information
• Impact on Benefits
• Qualifying Event-Termination of Employment
• Other Things to Think About
• Contact
• Military Leave and Your Benefits
• Your Benefits Coverage
• Will I Lose Coverage?
• Contact
• Newly Hired or Rehired Employee
• Getting Paid
• Benefit-Related Information
• Rehired by the Company
• Enrollment in Before-Tax Benefits
• Available Benefit Plans
• Beneficiary Elections
• Company Policies
• Contact
• Relocation
• About the Event
• Pay-related information
• Relocation Assistance
• Employee Assistance Program (EAP)
• Contact

• Healthcare Benefits

• Participating in Healthcare Benefits
• Eligible Employees
• Your Eligibility Date
• Eligible Family Members
• Spouses and Domestic Partners
• Children
• Enrollment
• Costs
• When Coverage Starts
• If You Have Other Coverage
• Changing Levels of Coverage
• When Coverage Ends
• Continuing Coverage
• About COBRA Coverage
• COBRA Eligibility and Enrollment
• COBRA and Flexible Spending Accounts
• Employee Enrollment in COBRA Coverage
• Enrolling a Family Member under Cobra
• Changes While on COBRA
• Paying for COBRA Coverage
• Extending Benefits Due to Disability
• Impact of Medicare Eligibility
• When COBRA Coverage Ends
• Filing a Claim under COBRA
• COBRA Contact
• HIPAA
• Eligibility
• How HIPAA Works
• Enrollment
• Pre-Existing Conditions and Coverage Information
• Other Certificate Information

• Medical Coverage Options
• Available Options

• Participating in Pre-65 Retiree Medical Coverage
• Eligibility
• Enrollment
• Paying for Coverage
• When Coverage Begins
• Medicare Prescription Drug Benefits

• Consumer Directed Health Plan
• The Plan at a Glance
• Participating in the Plan
• Enrollment
• Cost of Coverage
• ID Cards
• How the Plan Works
• Deductibles
• Out-of-Pocket Maximums
• Networks
• Utilization Review
• What's Covered
• Pre-existing Conditions
• Preventive/Wellness Care
• Maternity
• Family Planning
• Inpatient Hospital and Physician Services
• Prescription Drugs
• Mental Health/Substance Abuse
• Detailed List of Covered Services
• What's Not Covered
• Alternative Treatments
• Comfort or Convenience
• Dental
• Drugs
• Experimental or Investigational Services or Unproven Services
• Foot Care
• Medical Supplies and Appliances
• Mental Health/Substance Abuse
• Nutrition
• Physical Appearance
• Providers
• Reproduction
• Services Provided under Another Plan
• Transplants
• Travel
• Vision and Hearing
• Work-Related Accident and Illness
• All Other Exclusions
• Filing a Claim
• Appealing a Claim
• Glossary

• Preferred Provider Organization (PPO)
• The Plan at a Glance
• Participating in the Plan
• Enrollment
• Cost of Coverage
• ID Cards
• How the Plan Works
• Deductibles
• Out-of-Pocket Maximums
• Networks
• Utilization Review
• What's Covered
• Pre-existing Conditions
• Preventive/Wellness Care
• Maternity
• Family Planning
• Inpatient Hospital and Physician Services
• Prescription Drugs
• Mental Health/Substance Abuse
• Detailed List of Covered Services
• What's Not Covered
• Alternative Treatments
• Comfort or Convenience
• Dental
• Drugs
• Experimental or Investigational Services or Unproven Services
• Foot Care
• Medical Supplies and Appliances
• Mental Health/Substance Abuse
• Nutrition
• Physical Appearance
• Providers
• Reproduction
• Services Provided under Another Plan
• Transplants
• Travel
• Vision and Hearing
• Work-Related Accident and Illness
• All Other Exclusions
• Filing a Claim
• Glossary

• BCBS Exclusive Provider Organization
• The Plan at a Glance
• Participating in the Plan
• Enrollment
• Cost of Coverage
• ID Cards
• How the Plan Works
• Out-of-Pocket Maximums
• Networks
• Utilization Review
• What's Covered
• Pre-existing Conditions
• Preventive/Wellness Care
• Maternity
• Family Planning
• Inpatient Hospital and Physician Services
• Prescription Drugs
• Detailed List of Covered Services
• What's Not Covered
• Alternative Treatments
• Comfort or Convenience
• Dental
• Drugs
• Experimental or Investigational Services or Unproven Services
• Foot Care
• Medical Supplies and Appliances
• Mental Health/Substance Abuse
• Nutrition
• Physical Appearance
• Providers
• Reproduction
• Services Provided under Another Plan
• Transplants
• Travel
• Vision and Hearing
• Work-Related Accident and Illness
• All Other Exclusions
• Filing a Claim
• Glossary

• United Healthcare Exclusive Provider Organization
• The Plan at a Glance
• Participating in the Plan
• Enrollment
• Cost of Coverage
• ID Cards
• How the Plan Works
• Out-of-Pocket Maximums
• Networks
• Utilization Review
• What's Covered
• Pre-existing Conditions
• Preventive/Wellness Care
• Maternity
• Family Planning
• Inpatient Hospital and Physician Services
• Prescription Drugs
• Detailed List of Covered Services
• What's Not Covered
• Alternative Treatments
• Comfort or Convenience
• Dental
• Drugs
• Experimental or Investigational Services or Unproven Services
• Foot Care
• Medical Supplies and Appliances
• Mental Health/Substance Abuse
• Nutrition
• Physical Appearance
• Providers
• Reproduction
• Services Provided under Another Plan
• Transplants
• Travel
• Vision and Hearing
• Work-Related Accident and Illness
• All Other Exclusions
• Filing a Claim
• Glossary

• CA North & South-Kaiser Foundation Health Plan
• The Plan at a Glance
• Participating in the Plan
• Enrollment
• Cost of Coverage
• ID Cards
• How the Plan Works
• Out-of-Pocket Maximums
• Networks
• Your Primary Care Physician
• Utilization Review
• What's Covered
• Pre-existing Conditions
• Office Visits
• Preventive/Wellness Care
• Maternity
• Inpatient Hospital and Physician Services
• Prescription Drugs
• Emergency Room
• Mental Health
• Detailed List of Covered Services
• Filing a Claim
• Glossary

• HMSA's Health Plan Hawaii Plus HMO
• The Plan at a Glance
• Participating in the Plan
• Enrollment
• Cost of Coverage
• ID Cards
• How the Plan Works
• Filing a Claim
• Glossary

• HMSA's Preferred Provider Plan (PPP)
• The Plan at a Glance
• Participating in the Plan
• Enrollment
• Cost of Coverage
• ID Cards
• How the Plan Works
• Filing a Claim
• Glossary

• Post-65 Retiree Medical Coverage

• Comprehensive Medical Plan (CMP)
• The Plan at a Glance
• Participating in the Plan
• Eligibility
• Enrollment
• ID Cards
• Cost of Coverage
• When Coverage Starts
• Changing Levels of Coverage
• When Coverage Ends
• How the Plan Works
• Deductibles
• Out-of-Pocket Maximums
• Utilization Review
• Prolonged Illness Coverage
• Coordinating with other plans
• Coordination of Benefits with Medicare
• Injury and illness caused by a third party
• Filing a Claim
• What's Covered
• Pre-existing Conditions
• Office Visits
• Preventive/Wellness Care
• Maternity
• Family Planning
• Inpatient Hospital and Physician Services
• Surgery
• Emergency Room
• Mental Health
• Alcohol and Substance Abuse
• Speech, Physical and Occupational Therapy
• Allergies
• CAT/PET Scans
• Chiropractors
• Cardiac Rehabilitation
• Durable Medical Equipment
• Hearing Care
• Home Health Care
• Laboratory Charges
• MRIs
• Skilled Nursing Facility
• X-rays
• Prescription Drugs
• Detailed List of Covered Services
• What's Not Covered
• Preventive/Wellness Care
• Alternative Treatments
• Comfort or Convenience
• Dental
• Drugs
• Experimental or Investigational Services or Unproven Services
• Foot Care
• Medical Supplies and Appliances
• Mental Health/Substance Abuse
• Nutrition
• Physical Appearance
• Providers
• Reproduction
• Services Provided under Another Plan
• Transplants
• Travel
• Vision and Hearing
• Work-Related Accident and Illness
• All Other Exclusions
• Glossary

• Dental Plan
• The Plan at a Glance
• Participating in the Plan
• Enrollment
• Cost of Coverage
• ID Cards
• How the Plan Works
• About the Network
• Deductible
• Predetermination of Benefits
• Treatment Started Before Coverage Begins
• Treatment Started Before Coverage Ends
• Coordinating with Other Plans
• What's Covered
• Alternative Benefits
• Covered Service Benefits and ADA Codes
• What's Not Covered
• General Exclusions
• Diagnostic and Preventive Exclusions
• Restorative Exclusions
• General Services Exclusions
• Orthodontic Exclusions
• Filing Claims
• Appealing Claims
• Glossary

• Vision Care Plan
• Plan at a Glance
• Participating in the Plan
• Enrollment
• ID Cards
• How the Plan Works
• About the Vision Discount Program
• Finding a VSP Network Doctor
• Non-VSP Doctors
• What to Know About Vision Care
• Coordinating with other plans
• What's Covered
• More on Covered Services
• What's Not Covered
• Filing a Claim
• Glossary

• Vision Discount Program
• Participating in the Vision Discount Program
• Enrollment
• Cost of Coverage
• ID Cards
• What the Program Provides
• Contact Information
• Glossary

• Spending Accounts

• Participating in Spending Accounts
• Health Care Flexible Spending and Limited Purpose Health Care Flexible Spending Accounts
• Eligibility Requirements
• Your Eligibility Date
• Enrollment
• Taxes
• When Participation Starts
• When Participation Ends
• Continuing Participation
• Dependent Care Flexible Spending Account
• Eligibility Requirements
• Your Eligibility Date
• Enrollment
• Taxes
• When Participation Starts
• When Participation Ends
• Continuing Participation
• Health Savings Account
• Eligibility Requirements
• Your Eligibility Date
• Enrollment
• Taxes
• When Contributions Start
• When Contributions End
• Continuing Participation

• Health Savings Account
• The Account at a Glance
• Participating in the Account
• Enrollment
• Contributions
• Contribution Limits
• When Contributions Start
• When Contributions End
• Taxes
• Retirees
• Administrative Fees for Retirees
• How the Account Works
• Withdrawals
• Qualified Medical Expenses
• Nonqualified Medical Expenses
• Account Information
• Glossary

• Dependent Care Flexible Spending Account
• The Plan at a Glance
• Participating in the Plan
• Enrollment
• Contributions
• Taxes
• How the Plan Works
• Reimbursements
• Examples of Eligible Expenses
• Examples of Ineligible Expenses
• About Your Account
• Glossary

• Health Care Flexible Spending Account
• The Plan at a Glance
• Participating in the Plan
• Enrollment
• Contributions
• Taxes
• How the Plan Works
• Reimbursements
• Examples of Eligible Expenses
• Examples of Ineligible Expenses
• About Your Account
• Glossary

• Limited Purpose Health Care Flexible Spending Account
• The Plan at a Glance
• Participating in the Plan
• Enrollment
• Contributions
• Taxes
• How the Plan Works
• Reimbursements
• Examples of Eligible Expenses
• Examples of Ineligible Expenses
• About Your Account
• Glossary

• Insurance Benefits

• Participating in Insurance Benefits
• Eligible Employees
• Eligible Family Members
• Spouses and Domestic Partners
• Children
• Enrollment
• Beneficiaries
• Costs
• When Coverage Starts
• Changing Your Coverage
• When Coverage Ends
• Continuing Coverage

• Basic Life Insurance Plan
• The Plan at a Glance
• Participating in the Plan
• Enrollment
• Evidence of Insurability
• Beneficiaries
• Cost of Coverage
• When Coverage Begins
• When Coverage Ends
• How the Plan Works
• Definition of Salary
• Accelerated Benefit Option
• Assigning Your Benefit
• Retiree Benefit
• Survivor Assistance
• How Benefits Are Paid
• Filing a Claim
• Glossary

• Spouse Life Insurance Plan
• The Plan at a Glance
• Participating in the Plan
• Enrollment
• Evidence of Insurability
• Beneficiaries
• Cost of Coverage
• When Coverage Begins
• Changing Coverage
• When Coverage Ends
• How the Plan Works
• Definition of Salary
• Survivor Assistance
• How Benefits Are Paid
• Filing a Claim
• Glossary

• Dependent Children Life Insurance Plan
• The Plan at a Glance
• Participating in the Plan
• Eligible Children
• Enrollment
• Evidence of Insurability
• Beneficiaries
• Cost of Coverage
• When Coverage Begins
• Child Hospitalized on Effective Date
• Changing Coverage
• When Coverage Ends
• Evidence of Insurability for Plan Conversion
• How the Plan Works
• Survivor Assistance
• How Benefits Are Paid
• Filing a Claim
• Glossary

• Optional Life Insurance Plan
• The Plan at a Glance
• Participating in the Plan
• Enrollment
• Evidence of Insurability
• Beneficiaries
• Cost of Coverage
• When Coverage Begins
• Changing Coverage
• When Coverage Ends
• How the Plan Works
• Definition of Salary
• Accelerated Benefit Option
• Assigning Your Benefit
• Survivor Assistance
• How Benefits Are Paid
• Filing a Claim
• Glossary

• Personal Life Insurance Plan
• The Plan at a Glance
• Participating in the Plan
• Eligible Employees
• Eligible Spouses and Domestic Partners
• Eligible Children
• Enrollment
• Evidence of Insurability
• Beneficiaries
• Cost of Coverage
• When Coverage Starts
• When Coverage Ends
• How the Plan Works
• Definition of Salary
• Cash Values and Dividends
• Loan Provisions
• Additional Benefits
• Filing a Claim
• Glossary

• Personal Accident Insurance Plan
• The Plan at a Glance
• Participating in the Plan
• Eligible Employees
• Eligible Spouses and Domestic Partners
• Eligible Children
• Enrollment
• Cost of Coverage
• When Coverage Begins
• Changing Coverage
• When Coverage Ends
• Beneficiaries
• How the Plan Works
• Spouse and Domestic Partner Benefits
• Dependent Children Benefits
• Dismemberment Benefits
• Additional Benefits
• What Is Not Covered
• How Benefits Are Paid
• Filing a Claim
• Glossary

• Group Umbrella Liability Insurance Plan
• The Plan at a Glance
• Participating in the Plan
• Eligibility
• Enrollment
• When Coverage Ends
• Underlying Primary Levels of Coverage
• Cost of Coverage
• When Coverage Ends
• How the Plan Works
• What's Covered
• Supplementary Payments
• Exclusions
• Glossary

• Business Travel Accident Insurance Plan
• The Plan at a Glance
• Participating in the Plan
• Eligible Employees
• Eligible Spouses and Domestic Partners
• Eligible Children
• Enrollment
• Cost of Coverage
• When Coverage Begins
• When Coverage Ends
• Beneficiaries
• How the Plan Works
• Spouse and Domestic Partner Benefits
• Dependent Children Benefits
• Dismemberment Benefits
• Additional Benefits
• What Is Not Covered
• How Benefits Are Paid
• Filing a Claim
• Glossary

• Long Term Care Insurance Plan
• The Plan at a Glance
• Participating in the Plan
• Eligible Employees
• Eligible Spouses and Domestic Partners
• Eligible Family Members
• Enrollment
• Evidence of Insurability
• Cost of Coverage
• When Coverage Starts
• When Coverage Ends
• How the Plan Works
• About Your Benefits
• What Is Not Covered
• Filing a Claim
• Glossary

• Disability Coverage

• Short Term Disability
• Participating in the Plan
• Enrollment
• Cost of Coverage
• Duration and Amount of STD Benefit
• Qualifying for STD Benefits
• Serious Health Condition
• Unpaid Waiting Period
• Filing a Claim
• Disability Review Process
• Denial of a Claim
• Claims Administrator Appeal
• Payment Information
• Initiation of Payments
• Method of Payments
• Reduction in Payments
• Termination of Payments
• Additional Periods of Disability
• Modified Work Schedule
• Recurring Disabilities
• Federal and State Family and/or Medical Leave Laws
• Returning to Work
• Contact with Manager
• Subrogation
• Overpayment
• Amendment or Termination of This Plan
• Plan Interpretation and Appeals
• Contact

• Basic Long Term Disability
• The Plan at a Glance
• Participating in the Plan
• Enrollment
• When Coverage Starts and Ends
• Cost of Coverage
• How the Plan Works
• Disability Explanation
• Pregnancy
• Mental Health and Substance Abuse
• Exclusions
• Returning to Work
• Rehabilitation Benefits
• Disability Payment Details
• Getting Paid
• Other Sources of Disability Benefits
• Subrogation
• Filing a Claim

• Optional Long Term Disability
• The Plan at a Glance
• Participating in the Plan
• Enrollment
• When Coverage Starts and Ends
• Cost of Coverage
• How the Plan Works
• Disability Explanation
• Pregnancy
• Mental Health and Substance Abuse
• Exclusions
• Returning to Work
• Rehabilitation Benefits
• Disability Payment Details
• Getting Paid
• Other Sources of Disability Benefits
• Subrogation
• Filing a Claim

• Long Term Disability Bonus Income Plan
• The Plan at a Glance
• Participating in the Plan
• Enrollment
• When Coverage Starts
• When Coverage Ends
• Cost of Coverage
• How the Plan Works
• Disability Explanation
• Pregnancy
• Mental Health and Substance Abuse
• Exclusions
• Returning to Work
• Rehabilitation Benefits
• Disability Payment Details
• Getting Paid
• Other Sources of Disability Benefits
• Filing a Claim
• Glossary

• Investment and Retirement

• Stock Purchase Plan
• The Plan at a Glance
• Participating in the Plan
• Enrollment
• When Participation Ends
• How the Plan Works
• Contributions
• Buying Stock
• Selling Stock
• Dividends
• Stock Ownership
• Taxes
• Account Information
• Legal Disclosure
• Glossary

• 401(k) Savings & Investment Plan
• The Plan at a Glance
• Participating in the Plan
• How the Plan Works
• Automatic Enrollment Process
• Vesting
• Receiving a Distribution
• Your Contributions
• Your Contribution Amounts
• Effect on Other Benefits
• Base Pay for Determining 401(k) Savings & Investment Plan Contributions
• IRS Limit on Pay
• Maximum Contributions
• Minimum Contributions
• Catch-up Contributions
• Roth 401(k) Contributions
• Rollovers into the Plan
• Company Matching Contributions
• Breaks in Service
• Rehires
• Transfers from Non-Participating MMC C