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Group Installation for Employers
Welcome to Starmark®
Chapter 1
• Why Starmark®/Trustmark?• Starmark: Personal. Flexible. Trusted.• What is a CDHP?• What is an HSA?• What is an HRA?
Why Starmark®/Trustmark?
Starmark• A Trustmark company founded in 1985• Provides self-funded healthcare benefits
administration for small to mid-size businesses
• Stop-loss insurance is provided by Trustmark Life Insurance Company
Trustmark Companies • Providing employee benefits for more
than 100 years• More than 2 million covered lives or plan
participants• Trustmark Life Insurance Company is
rated A- (Excellent) by A.M. Best
Starmark®: Personal. Flexible. Trusted.
• Experience Starmark’s unparalleledpersonal service.
• Starmark offers flexible self-funded health plan designs to meet your needs and budget.
• Employers have trusted Starmark® to serve the healthcare benefit needs of their employees since 1985.
What is a CDHP?
• Consumer-directed health plan• PPO plan• Monthly health plan costs often less
because of the higher deductible• Health savings account (HSA) or
health reimbursement arrangement (HRA) used to offset the deductible
• Network of doctors, hospitals and healthcare providers
• Discounted services when using in-network providers
• Out-of-network providers usually charge a higher amount for the same services
What is an HSA?What is an HRA?• An HSA, or health savings account, is
a personal bank account owned by an individual with a high-deductible health plan and used to pay for qualified medical expenses not reimbursed under the health plan.
• A health reimbursement arrangement, or HRA, is set up and funded by you to help your employees pay for expenses eligible for reimbursement, meet their deductible and/or coinsurance and get them more engaged in their healthcare decisions.
Chapter 2
• Key Benefits of the Starmark® Website for Employers and Members
• How to Register on the Starmark Website for Employers and Members
• Printing a Temporary ID Card
Key Benefits of the Starmark® Website –For Employers Starmarkinc.com provides easy, online access to key information about your self-funded health plan and administration, including:• A summary of your benefits• The Document Center• Online Bill Payment• A personalized Administration Kit• Healthcare Reform information • Pharmacy Services
Key Benefits of the Starmark® Website –For MembersThe Starmark website provides members with access to:• Benefits and Claims information,
including an online summary of benefits, and current- and prior-year claims
• The Document Center, which conveniently provides their important healthcare benefit documents online
• A comprehensive suite of health and wellness management services
How to Register on the Starmark® Website –For Employers
If you are a new user, go to www.starmarkinc.com, select “Employer” from the drop-down menu and complete the online registration process.
When registering, you’ll need to:• Enter your Group Number, month
of original effective date and ZIP code
• Read and accept the Terms And Conditions
• Complete the registration form• Provide answers to three security
questions• Click the link provided in the email
you will receive
How to Register on the Starmark® Website –For MembersTo register, members should go to www.starmarkinc.com, select “Member” from the drop-down menu and complete the online registration process.
When registering, members will need to:• Enter their Member ID, Date of Birth
and Group ID Number • Read and accept the Terms And
Conditions• Complete the registration form• Provide answers to three security
questions• Click the link provided in the email they
will receive
GO GREEN! Members can opt-in to the Starmark Document Center to access their important healthcare benefit plan documents online.
Printing a Temporary ID Card
Once registered on the Starmark® website, members may view and/or print their temporary ID card.*
*Temporary ID cards are available approximately 48 business hours after the group has enrolled.
Chapter 3
• Document Center for Employers and Members• Accessing Benefits and Claims• Claims Lookup• How to File a Medical Claim• Healthy Foundations®
• CareChampion 24/7®
Document Center – For Employers
The Document Center provides around-the-clock access to your group’s important health benefit plan documents, including your: • Plan Document • Stop-Loss Insurance
Contract • Administrative Services
Agreement • Application for Stop-Loss
Insurance Coverage • Monthly Billing Statement • Monthly Aggregate Claim
Liability Summaries
Document Center – For Members
The Document Center* provides members with around-the-clock access to their healthcare benefit plan documents, including their:• Plan Document, which provides the details of their plan• Summary of Benefits and Coverage (SBC), which provides an overview of
their plan
Accessing Benefits and Claims
From the Benefits and Claims page on the Starmark® website, members can:• Conveniently review an online
summary of their benefits• Obtain their current- and prior-year
claims• Access resources, including:
– Their Starmark ID Card– Informative materials to assist
with understanding their ID card and explanation of benefits (EOBs)
– A single sign on link to their CVS caremark account
– Educational materials to help them learn about their pharmacy benefits
Claims Lookup
From the Claims Lookup section, members can access current- and prior-year claims, specifically detailed by:• Deductible Satisfied• Deductible Carryover • Out-of-Pocket SatisfiedTo view the status of a claim and an online Explanation of Benefits, users should click on the health plan member’s name.
How to File a Medical Claim
The majority of claims are filed electronically; however, members can submit a paper claim by following these steps:• Submit the original medical billing
statement received from the doctor, that shows receipt of payment for services provided, to the address on back of the medical ID card.
• Include both the Starmark group number and Member ID.
• Retain a copy of the medical billing statement for records.
Starmark will then send an Explanation of Benefits (EOB) along with a reimbursement check, if applicable.
Healthy Foundations®
Healthy Foundations is a suite of resources to help members get and stay healthy:• YourCare*: Health and wellness program• MyNurse 24/7℠: Access to a registered nurse
24 hours a day, seven days a week• MaternaLink®: Maternity wellness program• HealthCenter**: Online health risk
assessment, personal health records and more• Wellness Education E-Newsletter: Provides
wellness information, such as diet and nutrition tips, health and exercise articles, home safety tips and more
*Available as an optional benefit.
**Members can access the HealthCenter via the Starmark® website.
CareChampion 24/7®
CareChampion 24/7 is available as an optional benefit.
Navigate the
healthcare system
Educate about
healthcare options
Support and
advisory services
Chapter 4
• Network Provider Lookup• Outpatient Prescription Drug Benefit• Caremark.com• Laboratory Program• Contact Us
Network Provider Lookup
Visit www.starmarkinc.com
Go to Network Availability > select your state
Choose the network listed on your benefits schedule to access their website
Follow the instructions to determine if a provider is
in the network
Outpatient Prescription Drug Benefit
• Administered by CVS caremark
• Price Assurance Program– Covered prescriptions are subject to
the in-network plan deductible and coinsurance when the prescription is filled at a participating pharmacy
• Two convenient ways to fill prescriptions:
– Local pharmacy– Mail service pharmacy
• Prescription safeguards
• Specialty Guideline Management
Caremark.com
Members can: • Login from the Starmark®
website to access the single sign on link to caremark.com, which is personalized with plan information.
• Communicate with CVS caremark based on personal preferences: phone, email or text.
• Download the CVS caremarkmobile app
Access to Tools and Resources
Order refills
Check pharmacy benefit coverage
Check drug costs
View prescription
history
Find a participating
local pharmacy
Find health information
Laboratory Program
Lab Card® Select Program• Voluntary discount program • Outpatient laboratory testing at significant
savings when testing is directed to a participating Quest Diagnostics laboratory
• www.labcardselect.com
Contact Us
Account ManagementPhone: 800.522.1246, option 8Fax: 847.615.3813E-mail: [email protected]
Administration and PremiumPhone: 800.522.1246, option 8Fax: 847.615.5885E-mail: [email protected]
RenewalsPhone: 800.522.1246, option 8Fax: 847.615.3811
Thank You for Choosing Starmark®!
For more information, contact your Starmark representative, or visit www.starmarkinc.com.
Plan design availability and/or coverage may vary by state. Plans are administered by Starmark, and stop-loss insurance and ancillary coverage are provided by Trustmark Life Insurance Company.
Starmark • 400 Field Drive • Lake Forest, Illinois • www.starmarkinc.comT500-327-er-CDHP (11-14)
