Employee Health and Benefits. Phone: (207) 287-6780 or 1-800-422-4503 TTY: Dial Maine Relay 711 FAX: (207) 287-6796 www.maine.gov/beh Office Hours: Monday – Friday 8am to 5pm. Your State of Maine Benefits. Health Insurance Dental Insurance Vision Insurance
Phone: (207) 287-6780 or 1-800-422-4503
TTY: Dial Maine Relay 711
FAX: (207) 287-6796
Office Hours: Monday – Friday 8am to 5pm
(*Life Insurance is administered by the Maine Public Employees Retirement System)
www.maine.gov/beh is your resource for all governing statutes, benefit overviews, premium rates, provider listings and much more!
*Voluntary Benefits may have other effective dates
*Co-pays for many preventative visits will be waived. See your Benefit Overview for details.
See DocFind tool for a list of doctors, hospitals, specialists and much more!
Check your Benefit Overview for more detailed information
BenefitTier 1Tier 2Tier 3
Preferred Participating Self-Referred or Out of Network
Deductible* $300/$600 $1,500/$3,000 $2,500/$5,000
Coinsurance (member) 5% 20% 40%
CY Coinsurance limit $800/$1,600 $1,500/$3,000 $2,500/$5,000
CY OOP limit $1,100/$2,200 $3,000/$6,000 $5,000/$10,000
“CY” = Calendar Year “OOP” = Out-of-pocket
Note Tier 1 & Tier 2: Referral from PCP required for most services
*Any portion of your deductible met during October, November or December will roll over to the new year as a credit.
Effective July 1, 2012
How much will your health insurance cost? There are four factors to consider when calculating your health insurance premium:
MRS Title 5, 285 (7-C)
Contact Employee Health & Benefits office
Healthcare quality - “Good quality health care means doing the right thing at the right time, in the right way, for the right person and getting the best results.”
(Centers for Medicare and Medicaid Services)
(*There is no State contribution for dependent premium on the dental insurance.)
Premiums Effective 7/1/11 - 6/30/13
Biweekly Pretax Premiums
Premiums Effective 1/1/11 - 6/30/13
Q. How much may I defer?
A. The minimum is $20 per pay period. The annual limits for 2012 are:
Q. When may I withdraw funds?
*IRS rules apply to each withdrawal
Q. How do I get started?
You can enroll at any time!
¹ Source: The Prudential Insurance Company of America
There are various ways to cover long-term care insurance:
How to enroll
Can be a significant tax savings for you!
HR Support & Consulting
1-866-655-5397 or www.hrscflex.com
“Use it or lose it”….
Per the IRS, the funds contributed into either of the dependent care or medical care accounts are forfeited if not used. Expenses must be incurred during the calendar year….
You will find much more information including tax examples and planning worksheets at www.maine.gov/beh and www.hrscflex.com
Call (207)287-6780 and ask to speak with a Benefits Specialist