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 Voluntary Benefits

Women sitting at desk reviewing voluntary disbility options.

 

Administrator: ACSIA Partners 
Website: www.mcg-ltc.com
Phone: 1-877-403-1117 

Long-term care is the term for helping people who develop disabilities or chronic care needs. For example, there may come a time when you or a loved one needs help walking, getting dressed, eating, or bathing. It also includes the kind of care you would need if you had a severe cognitive impairment such as Alzheimer's disease. Long-term care services may be brief with full recovery, or they can continue for years. Services may be provided in a person’s home, in a residential facility such as a nursing home or assisted living facility. 


A long-term care insurance policy will pay benefits for services you receive at home (such as cooking, cleaning, laundry, grooming and assistance with other activities of daily living), or in an assisted living facility and in a nursing home if a situation requires more intensive attention on a daily basis. undry, grooming and assistance with other activities of daily living), or in an assisted living facility and in a nursing home if a situation requires more intensive attention on a daily basis. 

 

Administrator: Aflac 
Website: www.aflac.com
Phone: 1-202-558-5142

Aflac now offers the option of individual short-term disability coverage based on your financial needs and income. Aflac does not coordinate benefits. Regardless of any other disability insurance benefits you may have, including Social Security they will pay you directly for an off-the-job accident or sickness.

• Monthly Benefit: $500–$6,000 (subject to income requirements)
• Total Disability Benefit Periods: 3, 6, or 12 months
• Elimination Periods (Injury/Sickness): 0/7 days, 0/14

Administrator: Aflac 
Website: www.aflac.com
Phone: 1-202-558-5142

Aflac will pay benefits direct to the policyholder in the range of $10,000-$30,000 (dependent on level of coverage chosen) upon the diagnosis of serious illnesses such as:

• Heart Attack & Sudden Cardiac Arrest
• Internal Cancers
• Coma
• End-Stage Renal Failure
• Stroke
• Major Human Organ Transplants
• Paralysis

Phone: 1-888-417-8385
Website: www.carefirst.com

The CareFirst BlueCross BlueShield Point-of-Service Plans (POS) are managed care programs that require you to select a primary care physician (PCP). You must select a PCP and receive services from that PCP or a network specialist in order to receive in-network benefits. Under the POS, you may also choose to coordinate your own medical care and receive out-of-network benefits. The POS also offers a component plan that provides in- and out-of-network benefits if you reside outside the POS network service area. Active employees who reside outside the POS network service area may elect this “out of service area” component plan or remain in the “in service area” component. There are two POS plans offered – a High Option Plan and a Standard Option Plan. Prescription drug coverage is not included with either plan, but may be elected under a separate plan offered through Caremark. If Medicare is the primary coverage for you or any of your covered dependents, please refer to the separate CareFirst BlueCross BlueShield Medicare Supplemental Plan summary. 

 


Plan Materials 
BCBS POS Brochure (Non-Medicare)
BCBS POS In-Area Plan Booklet
BCBS POS OOA Brochure (Non-Medicare)
BCBS POS OOA Plan Booklet

BCBS Indemnity Summary Description for 2016
BCBS Indemnity, POS & POS OOA Brochure (Medicare)
BCBS Indemnity Medicare Plan Booklet
BCBS Indemnity Rx Announcement
BCBS Indemnity Rx Guide


Summary of Benefits and Coverage 
BCBS POS In-Area High Option
BCBS POS In-Area Standard Option
BCBS POS Out-of-Area High Option
BCBS POS Out-of-Area Standard Option

Forms
BCBS Claims
BCBS Primary Care Physician Selection 
BCBS Coordination of Benefits
BCBS Disabled Dependent Authorizaton
BCBS Health Information Release Authorization
BSBC Health Information Release Revocation 

Phone: 1-888-417-8385
Website: www.carefirst.com

The SilverScript...

Plan Materials 

BCBS POS Brochure (Non-Medicare)

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