Open Enrollment 2017 - UST Global · PDF fileOpen Enrollment 2017 Open Enrollment ... • Contribute to an HSA account for tax savings Aetna Premier Savings ... Confidential and Proprietary

Confidential and Proprietary. © 2016 UST Global Inc.

UST Global

Open Enrollment for Employee Benefits

Open Enrollment 2017

Open Enrollment

November 30, 2016 through

December 12, 2016

The information contained herein is meant to provide an overview of your health

and welfare benefits. It does not include all of the terms, coverage, exclusions,

limitations, and conditions of the actual contract language. Nothing contained

herein should be construed as a guarantee of coverage or benefits. When

discrepancies between the benefits and descriptions contained herein conflict

with the legal documents governing each benefit, the legal documents will

prevail. For more detailed information on the plans and your legal rights under

the plans, be sure to read the summary plan descriptions or request a copy of

the applicable plan documents.


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2


What is Open Enrollment?

Open enrollment is your annual opportunity to enroll or make changes to your elections in the benefit program offered by UST Global.

All enrollments or changes made during the open enrollment period will be effective January 1, 2017.

3

Welcome to Open Enrollment


If you are a regular employee of UST Global who works at

least 30 hours per week in the US, you are eligible to enroll

in the benefits described in this presentation. The

following family members are also eligible:

• Spouses/Domestic Partners

• Children up to age 26

4

Who is Eligible for Benefits


This year, the open enrollment period runs from November

30 through December 12, 2016.

The benefits you elect during open enrollment will be

effective from January 1 through

December 31, 2017.

5

When is Open Enrollment?

Confidential and Proprietary. © 2016 UST Global Inc. 6

What’s New for 2017?

Aetna will be our insurance provider for Medical and Dental. Aetna was

our carrier for many years prior to 2016, and we are moving back to Aetna

for 2017.

• Still three medical plans to choose from – Plus Plan, Choice Plan,

Premier Savings Plan. No changes to the existing benefits.

• Medical network – Aetna Choice® POS II (Open Access) –

Nationwide PPO plan

• Dental Plans – still choice of two, Enhanced or Basic

• Dental network – Aetna Dental® PPO II

• Flexible Spending Accounts and Commuter Benefits. You will need

to re-enroll in these benefits for 2017, offered by Aetna PayFlex.

Life, Disability, Voluntary Life Coverage remain the same, but move to a

new carrier, Principal


New Benefits Portal and Mobile App

www.ustglobalbenefits.com


You have options.

Choosing Your Health Plan


Your health care needs are

unique. That’s why you have

a choice of health plans that

vary by premium, deductible

and coinsurance so you can

find the fit that’s just right.

9

It’s good to have options.

All medical plans include:

• Access to one of the

nation’s largest networks of

doctors

• Free preventive care, like

annual checkups and

vaccinations

• Health and wellness tools

that help you get the most

out of your plan


Deductible

The amount you pay each year before your plan starts to pay

Copay

A flat fee you pay for covered services like doctor visits

Coinsurance

Your share of health plan costs (a percentage of total cost)

after meeting your deductible

Out-of-pocket maximum

The most you have to pay out-of-pocket each year for health

care services. Copays and deductibles accumulate towards

satisfying the out-of-pocket maximum.

Premium

The amount you pay to belong to a health plan

10

Key Terms to Know Before Selecting Coverage

Health Plans


Medical Plan Options – Three Plans to Choose From

• HSA compatible!

• Most cost effective plan, ideal plan for those

anticipating low usage

• Contribute to an HSA account for tax savings

Aetna

Premier

Savings

(HDHP)

Aetna

Plus

Plan

• Offers richest benefit plan design, lowest

cost to you at time of service

• Highest employee contributions per

paycheck

Aetna

Choice

Plan

• More cost effective than Aetna Plus plan

• Lower employee contributions per paycheck

Health Plans


EmployeeEmployee

+ Spouse

Employee

+

Child(ren)

Employee

+ Spouse

and

Children

Aetna Premier

Savings$5 $15 $15 $30

Aetna PPO

Choice$89 $161 $144 $226

Aetna PPO Plus $230 $429 $383 $611

Medical Plan Options – Three Plans to Choose From

Monthly Employee Contributions


A new plan evaluation tool for 2017!

This plan evaluation

tool is powered by

Obeo Health

Save time and

money this open

enrollment by using

this tool to pick the

right plan for you

and your family

Will be available in

the online

enrollment system

during open

enrollment


Health Care: Comparing Your Options

Medical Plans

Aetna Plus Aetna ChoiceAetna Premier

Savings

In-NetworkOut-of-

NetworkIn-Network

Out-of-

Network

In-

Network

Out-of-

Network

Deductible

Employee $100 $250 $500 $1,500 $1,500 $1,500

Family $300 $750 $1,500 $4,500 $3,000 $3,000

Office Visits

Doctor

$15/visit

(deductible

waived)

40%

$25/visit

(deductible

waived)

50%

20% (after

deductibl

e is met)

50%(after

deductible is

met)

Specialist

$30/visit

(deductible

waived)

40%

$40/visit

(deductible

waived)

50%

20% (after

deductibl

e is met)

50%(after

deductible is

met)

Coinsurance 10% 40% 20% 50% 20% 50%

Out-of-pocket

limit

Employee $1,000 $2,000 $2,000 $4,500 $2,500 $2,500

Family $2,000 $4,000 $4,000 $9,000 $5,000 $5,000

Health Savings Account No No Yes


Need Care? Compare Your Options

Medical PlanAetna Plus Aetna Choice

Aetna Premier

Savings

In-Network In-Network In-Network

Preventive careNo Copay

(deductible waived)

No Copay

(deductible waived)

No Copay

(deductible waived)

Doctor visits$15/visit

(deductible waived)

$25/visit

(deductible waived)

20%

(after deductible)

Specialist visits$30/visit

(deductible waived)

$40/visit

(deductible waived)

20%

(after deductible)

Urgent care clinic10%

(after deductible)

20%

(after deductible)

20%

(after deductible)

Emergency room

$100 deductible/visit + 10%

(deductible waived if

admitted)

$100 deductible/visit + 20%

(deductible waived if

admitted)

20%

(after deductible)


Health Care: Prescription Drug Plan

Prescription Drug Coverage

Aetna Plus Aetna Choice Aetna Premier

In-NetworkOut-of-

NetworkIn-Network

Out-of-

NetworkIn-Network

Out-of-

Network

Tier 1: Generic $10 copay$10 copay plus

50% of cost$15 copay

$15 copay plus

50% of cost

$10 copay

after

deductible

50% after

deductible

Tier 2: Brand $20 copay$20 copay plus


$30 copay plus

50% of cost

$20 copay

after

deductible

50% after

deductible

Tier 3: Non-Formulary $35 copay$35 copay plus


$45 copay plus

50% of cost

$35 copay

after

deductible

50% after

deductible

Prescription Drug Tiers• Carrier classification of prescription drugs vary

• Could impact your prescription drug copays in 2017

• To access Aetna’s drug list, please visit

aetna.com


Premier Savings Plan: How does it work?

The Premier Savings Medical Plan is a High Deductible Health Plan (HDHP)

which is HSA compatible. How does an HDHP work?

• Preventive care is covered at 100%

• Meet your deductible first – Deductible is the amount that you must pay

before the plan begins to pay out ($1,500 for individual / $3,000 for

Employee +1 or more dependents)

• Note: If family coverage is selected, the entire family deductible must

be met before plan pays benefits for any individual. The deductible may

be satisfied with a single claim for one person or by a combination of

claims from all family members.

• After the deductible is satisfied, you will pay coinsurance for most

services. Coinsurance when using a network provider is 20%.

• The out-of-pocket maximum is designed to protect you from catastrophic

costs ($2,500 for individual / $5,000 for family)

• If you have established an HSA account, you can use the funds in it to pay

your deductible and coinsurance expenses.


Premier Savings Plan: How does my HSA Work?

18

A Health Savings Account (HSA) allows you to set aside funds

on a pre-tax basis. Use the funds in your HSA to pay for

eligible medical, dental and vision expenses (i.e. deductible

and coinsurance).

Features of a Health Savings Account (HSA):

• HSA account is owned by you, so the money is always yours

to keep even if you should you change health plans, change

employers or transfer out of U.S.

• Money in the HSA may be used to pay for expenses as they

are incurred, or saved for future expenses

• Unused amounts roll over to the next year, no “use it or

lose it” rule

IRS limits: The maximum amount that you can contribute to

an HSA in 2017 is:

• $3,400 for those enrolled with individual coverage.

• $6,750 for those enrolled with family coverage.


Use the plan evaluation tool to help you choose!

Shows you the

cost of each

plan based on

the care and

coverage you

need


Premier Savings Plan: Establishing your HSA Account

20

The HSA account continues to be offered through HSA Bank

Those enrolled in the Premier Savings Plan are eligible to

establish an HSA account. These plan members will receive

a Welcome kit in the mail from HSA Bank with instructions

on how to complete the enrollment process

If you enroll in the HDHP, you are not eligible to contribute

to both an HSA and FSA Health Care account. You must

contribute to one or the other.

Monthly HSA account fees

• $3.50 monthly service charge

• Complete list of account fees included in welcome kit

©2016 Aetna Inc.47.25.315.1 (4/16)

Dedicated to a healthier, happier you


If you are in an active course of treatment with a nonparticipating provider Aetna may cover the treatment for a specified period of time at the preferred benefit level.

Active course of treatment is when you have begun a program of planned services with your doctor to treat a diagnosed condition.

Third trimester of pregnancy, ongoing treatment plans such as chemotherapy, radiation, recent

surgery, members taking growth hormone treatment.

You need to complete the TOC form and send/fax to Aetna for medical review.

Guidelines and criteria must be met. A written notification will be provided to physician and member informing you whether or not your request under the Transition of Care guidelines has been approved.

Transition of Care (TOC)

What is TOC?

What is an active course of treatment?

Examples of an Active Course of Treatment.

How do I apply for TOC?


Aetna websiteEverything you need on one website, www.aetna.com

Quality of care Cost of care Quality AND cost

Find and compare doctors using DocFind

Use information to help make treatment decisions

Chat with a doctor chat 24/7

Get estimates for your out-of-pocket costs

Track claims and account balances

Look up symptoms, conditions and medications

Contact your personal concierge

Download digital ID cards

Access coverage and benefits information


TeladocTM – Easy and affordable

Helps prevent unnecessary ER/UC visits

Talk to a doctor for $40 or less

Leads the industry with more than 50,000 consults

this year customer

satisfaction1

92%

resolution rate

95%

To use Teladoc, call 1-800-TELADOC, download the app or visit www.Teladoc.com/Aetna.

12015, Teladoc


Aetna Mobile App Technology

(iPhone and Android)

Features

•Free App allowing you to

view your Medical and

Dental benefits, securely

•Digital ID Card (no need

to carry your plastic card)

•Find a In-Network

Doctors Urgent Care,

etc.

•Price-a-drug

•View recent claims

•Message Customer

Service

•Get real-time actual

costs for over 400+

procedures!


• Easy access to e-mail Member Services through the Aetna Navigator® Contact Us feature

• Complete list of Member Services phone numbers and claim addresses

• Spanish and English resources

Contact Member Services 24/7!


You have options.

Choosing Your Dental Plan


Choose between the Enhanced and

Basic plans

• Annual checkups are covered – no

deductible

• Discounted cost when using

network services

• Aetna Dental® PPO network in all

areas – extensive list of

participating providers

• Members should register at

aetna.com to find a network

provider before receiving

services to receive the

highest level of benefit and

avoid additional charges

28

Dental Plans


Health Care: Dental Plans

DENTAL PLANSBasic Plan Enhanced Plan

In-Network Out-of-Network In-Network Out-of-Network

DeductiblePer Member $50 $50 $25 $25

Family Maximum 3x individual 3x individual 3x individual 3x individual

Annual Maximum Per Member $1,500 $1,500 $2,000 $2,000

Diagnostic & Preventive Exams100% coverage

(deductible

waived)

100% coverage

(deductible

waived )

100% coverage

(deductible waived)

100% coverage

(deductible

waived)

Restorative (fillings) 10% 20% 10% 20%

Endodontics (root canals) 10% 20% 10% 20%

Periodontics (scaling and root planing) 10% 20% 10% 20%

Oral Surgery 10% 20% 10% 20%

Prosthodontics (crowns, bridges, dentures) 40% 50% 40% 50%

Orthodontia – Adult and Child(ren)50%

Lifetime max of

$1,500

50%

Lifetime max of

$1,500

50%

Lifetime max of

$2,500

50%

Lifetime max of

$2,000


Employee $5 $10

Employee + Spouse $12 $15

Employee + Child $12 $15

Employee + Spouse and Children $20 $25


Stays with VSP

Your Vision Plan


Vision Benefits

No changes to the Vision Benefits, still offered through VSP

Largest nationwide network of participating providers

Voluntary participation – you decide whether or not to enroll

for this benefit and pay the full monthly premium:

Vision Benefits through VSP

VSP Provider Any Other Vision Provider

Annual Copay $10 copay Reimbursed 100% up to $45

Benefit Interval Exam/Lenses/Frames – Once in a calendar year

Exam Covered in full after copay Covered up to $45

Single Vision Lenses Covered in full after copay Covered up to $30

Frames Covered in full up to $200 Covered up to $70

Contact Lenses and exam

(includes fitting/evaluation)-

Lenses instead of glasses

Covered in full up to $200

Copay does not applyCovered up to $105

Employee $5.20

Employee + Spouse $10.39

Employee + Child(ren) $11.10

Employee + Spouse and Children $17.76


You have options.

Choosing Your Life & Disability


• Benefit paid by UST Global–

no cost to employees

• All eligible employees

receive 2X your annual salary

up to $750,000

• Accidental Death &

Dismemberment coverage

included

• Pays an additional 2X your

annual salary should you die

by accidental means

33

Life Insurance

Use the online enrollment system to

update your beneficiary information!


• Short-term coverage when

you are having a baby, are

disabled by an accident or

have an illness that keeps you

out of work temporarily

• Long-term coverage when you

can’t work due to a disability

or illness

• Both offer services to help

you manage your condition,

recover and get back to work

as soon as possible

Short and Long Term Disability


Short Term Disability

• Provides income

replacement of a

percentage of your

weekly wage if you

become unable to work

for a short period of

time.

• Benefit is 60% of your

weekly salary up to

$1,400 per week, for up

to 25 weeks.

35

Short and Long Term Disability Details

Long Term Disability

• Income replacement for

disability lasting longer

than 6 months.

• Proper, ongoing

documentation is

required.

• Benefit is 60% of your

base monthly earnings,

up to $6,000 per month.


You have options.

Choosing Your Voluntary Benefits


Purchase additional life insurance above the employer-paid

amount

• Accidental Death & Dismemberment coverage also

available

Convenient – payroll deducted with low, group rates

Flexible Coverage Choices

• Benefit available as 1X, 2X or 3X salary up to $800,000

• Proof of Good Health required for coverage over $300,000

• Different levels for Spouse and children

During open enrollment, you have the option of purchasing

additional coverage for yourself and your dependents

• If you are not currently enrolled and you were previously

eligible, you can elect coverage up to Guarantee Issue

(GI) level without underwriting.

• If you are currently enrolled, you can increase your

coverage to the GI without underwriting.

37

Voluntary Life and AD&D Insurance


Critical Illness and Cancer Plan

Unum’s Critical Illness can help protect your finances from the expense of a

serious health problem, such as a stroke, heart attack, or cancer. A lump sum

benefit is payable to you at the first diagnosis of a covered condition.

Plan design*:

• Late entrants can enroll for $10,000 of employee coverage, $5,000 of

spouse coverage, and $2,500 of child coverage (automatically included

with the employee coverage). No medical underwriting required

• If you choose not to enroll at this time, you will have to wait until the next

annual enrollment period to enroll. Portability is included

• Premiums are based on age-banded rates. They do not increase as you age.

Wellness benefit included:

• Pays $50 per calendar year per insured individual for covered health

screening tests such as blood tests, mammograms, stress tests,

colonoscopies, well woman exam.


Group Accident

• Unum’s accident insurance can pay benefits based on the injury you

receive and the treatment you need, including emergency-room care

and related surgery. The benefit can help offset the out-of-pocket

expenses that medical insurance does not pay, including deductibles

and co-pays. Family coverage is available.

Group Accident

Covered injuries include

broken bones coma due to a covered injury

burns eye injuries

torn ligaments ruptured discs

cuts repaired by stitches concussion

Covered expenses include

emergency-room treatment occupational therapy

outpatient surgery facility speech therapy

doctor office visit chiropractic visit

hospitalization physical therapy

Wellness Benefit

Pays $50 per

calendar year per

insured individual

for covered health

screening tests,

including:

Blood tests

Mammograms

Stress tests

Colonoscopies

Chest x-rays


Group Hospital Indemnity

Unum’s Group Hospital Indemnity Insurance provides financial protection by

paying a benefit due to a hospitalization and in some cases, for treatment

received for an accident or sickness, even if that treatment occurs outside the

hospital. Family coverage is available.

Plan design:

• Hospital admission: Lump sum $1,500 benefit

• Hospital confinement: $100 per day, maximum of 15 days per calendar year

• Emergency room treatment: $150 per calendar year (accidents only)

• No medical underwriting required if you elect coverage during open

enrollment. If you choose not to enroll at this time, you will have to wait

until the next annual enrollment period to enroll and medical underwriting

will be required. Portability is included

Wellness benefit included:

• Pays $50 / calendar year / insured individual for covered health screening

tests such as mammograms, colonoscopies, well woman exams, etc.


Health Care Flexible Spending Account

New plan year is effective January 1, 2017

Annual limit in 2017 will be $2,600. You may elect an amount up to this limit per year to use for out-of-pocket healthcare expenses

• Pre-tax, through payroll

• Medical, prescriptions, dental or vision expenses

All employees can enroll in FSA, regardless of whether or not they are enrolled in the medical, dental or vision plans

Expenses can be generated by any family members that are IRS-qualified dependents

Offered through Aetna

You may continue to submit claims until March 31, 2017 as long as the claims are incurred before December 31, 2016.


Flexible Spending Account - Rules

The Flexible Spending Accounts are “use it or

lose it” plans.

New plan year starts January 1, 2017.

If you enroll, you must participate the entire

year.

Qualified expenses must be incurred in 2017.

You may claim 2016 plan year expenses up

until March 31, 2017.

You must re-enroll in this plan every year.

Expenses cover all IRS dependents, even

if they are not on UST Global plans.


Dependent Care Flexible Spending Account

New plan year effective January 1, 2017

Allows you to set aside up to a maximum of $5,000 per year to use for out of pocket daycare expenses

• Pre-tax, through payroll

• Expenses can be from wages paid to a babysitter or a companion inside or outside of the home, services of a day care, or cost of care at facilities away from home.

• Covered expenses must be for

children under the age of 13

• Offered through Aetna

• You may continue to submit

claims until March 31, 2018 as

long as the claims are incurred

before December 31, 2017


Commuter Benefits Program

Allows you to set aside pre-tax dollars to use for certain work related transportation costs.

Monthly Contribution Maximums

• $255 Transit Costs

• $255 Parking Costs

You will pay less in taxes, because the money will be deducted from your paycheck before taxes.

Elections will be made in the online enrollment system

• Online enrollment tool contains guidelines regarding enrollment, payroll deduction processing, and availability of funds.

• If you want to participate in the Commuter Benefit program in January 2017, it is very important that you enroll for this plan during open enrollment


Employee Assistance Program (EAP)

The Employee Assistance Program (EAP) is a free program to

assist you and your family with everyday issues – This service

is offered through Magellan Healthcare

• EAP services are available 24 hours a day to provide you

with confidential support, guidance, and resources to

most of your every day questions.

Work/life services for assistance with:

• Emotional wellbeing, depression and stress management,

grief and bereavement tools and resources

• Financial and legal referrals to professionals who can

assist you

• Parenting and childcare needs and referrals

• Eldercare referrals and information

• Work related tools and resources

• Relationship, marriage and family life counseling and

online resources



Medical Plans Aetna Plus PlanAetna Choice

Plan

Aetna Premier

Savings Plan

Employee $230 $89 $5

Employee + Spouse $429 $161 $15

Employee + Child $383 $144 $15

Employee + Spouse and Children $611 $226 $30

Dental Basic Plan Enhanced Plan

Employee $5 $10

Employee + Spouse $12 $15

Employee + Child $12 $15

Employee + Spouse and Children $20 $25

Vision VSP

Employee $4.33

Employee + One $8.66

Employee + Children $9.25

Employee + Spouse and Children $14.80


Open Enrollment

November 30, 2016 – December 12, 2016

Action Items for Open

Enrollment


Open Enrollment: Action required

• When you login to the enrollment system and select Open

Enrollment, you will notice you are not enrolled for Medical and

Dental plans for 2017. This is due to the shift to Aetna

• You must choose your plan and enrollment tier for 2017 and

submit elections before 11.59PM PT on December 12

• If you take no action by December 12, your current choices of

plans and election tiers will be rolled over into 2017, and you

will not be allowed to make any changes unless you have a

Qualifying Life Event


Open Enrollment: Other actions to consider

• This is also your time to enroll or change your elections in the other

plans offered by UST Global.

• Contribute to an HSA (participants in Premier Savings plan only).

• Add or delete coverage for you or your dependents.

• Review personal information for accuracy and update as necessary

• New ID cards will be mailed to your home address – make sure it is

accurate!

• Update your Life Insurance Beneficiary.

• This is the person or persons that will receive your life insurance

benefit in the unfortunate event of your death

• This can be changed at any time during the year.

Make the plan choices carefully - No plan changes will be allowed mid-

year unless you experience a qualifying life event as defined by the IRS


IRS Qualifying Life Events / Change in Status

An IRS Change in Status Event is an event set forth by the IRS/Sect. 125. It

allows employees to make mid-year election changes when a change in a

participant’s status occurs. If you do not experience any of these events you

will not be able to change your elections during the year.

Qualified changes in status include:

• Marriage, Divorce, or Legal separation

• Arrival or departure of a dependent from another country

• Birth or adoption of a child

• Change in child’s dependent status

• Death of a spouse, child or other qualifying dependent

• Commencement or termination of adoption proceedings

• Change in spouse’s benefits or employment status

Benefit changes must be completed within 31 days of the event, and will

be effective as of the date of the event. Enrollment changes will not be

permitted after the 31 days.


Have you Just Arrived in the U.S.?

Important note to employees recently landed

in the U.S.

• Your benefits are in effect as of the day of

arrival, but you must complete the online

enrollment process for 2016 and confirm

your elections within 31 days of your arrival

date.

• In addition to completing your online

enrollment for 2016, you must also make

open enrollment elections for 2017.

• This also applies for any new dependents

joining you – i.e. spouses or newborns.

If their arrival date is before

January 1, 2017 you must enroll

them for 2016 AND 2017!


Open Enrollment

November 30, 2016 – December 12, 2016

Benefit Resources

Additional Information


Accessing the Enrollment System

Step 1: Log into the online benefits system at:

www.ustglobalbenefits.com and enter Code: UST

Step 2: Enter your Username and Password in the Enroll/Change Benefits

section on the home page and click Log In.

Username: UST_<Employee ID>

Password: your password

Step 3: Choose your plans

Medical, Dental, Vision, Voluntary life, Flexible

Spending Accounts and more

Step 4: Add/update your eligible dependent(s)

Step 5: Choose/Update your beneficiaries

Step 6: Access the benefits site for detailed plan information

and forms


Deadline for Enrollment

All open enrollment activity must be completed by

December 12, 2016.

Enroll early to avoid the last minute rush!

For questions, contact the benefits desk

• Phone: (877) 745-6312

• Email: [email protected]

• Representatives are available 6 am to 6 pm

Pacific Time, M-F

All changes will be effective January 1, 2017

mailto:[email protected]


2017 Insurance ID Cards

New ID cards will be issued by Aetna

One combined card for Medical, Rx and Dental coverage

• If you are covering dependents, a separate card will be provided for

each dependent with their name on the ID card

• ID cards will be mailed to your home address – please make sure the

enrollment system has your most current information

• ID cards should be received by January first week

• If you do not receive new ID cards, you may download a soft copy

online, or use the Aetna Mobile App

• Providers will also be able to verify your coverage with Anthem by

your social security number.

There are no ID cards issued for the VSP vision plan

• Providers can verify eligibility using your SSN


Contact the Benefits Desk

• By Phone: (877) 745-6312

• By Email: [email protected]

Representatives are available 6 am to 6 pm PT

Monday through Friday

Still Have Questions?

The information contained herein is meant to provide an overview of your health and welfare benefits. It does not include all of the terms, coverage,

exclusions, limitations, and conditions of the actual contract language. Nothing contained herein should be construed as a guarantee of coverage or

benefits. When discrepancies between the benefits and descriptions contained herein conflict with the legal documents governing each benefit, the legal

documents will prevail. For more detailed information on the plans and your legal rights under the plans, be sure to read the summary plan descriptions or

request a copy of the applicable plan documents.

mailto:[email protected]

Documents

Open Enrollment 2017 - UST Global · PDF fileOpen Enrollment 2017 Open Enrollment ... • Contribute to an HSA account for tax savings Aetna Premier Savings ... Confidential and Proprietary