We would like to update all staff on the changes to our insurance benefits package.  We have just completed the negotiations with the insurance companies for our 2013- 2014 plan year which goes into effect August 1, 2013.  

Highlights of the plan changes are as follows: 

• For this next plan year, we will be renewing our medical insurance with United Healthcare and our medical coverage remains the same: the two-tiered plan with Base and Buy-up options. However, some premiums increased slightly this year. The premium increases have been shared between the company and employees.
• Dental coverage has changed and will be provided by Guardian.  
• Our Flexible Spending Account (FSA) plan is unchanged.  The maximum limit on the Medical/Dental/Vision FSA remains $1,500.
• Our life insurance coverage and voluntary life coverage remains the same. 

Please read the enrollment memo outlining the benefits and what, if any, actions are required on your part.  All the forms that you need can be downloaded from (http://portal.highmarkcompanies.com/benefits). After you complete all the necessary forms, please return them to Denise Byrd (dbyrd@highmarkcompanies.com)  no later than July 12, 2013.  If you are faxing your forms to us, please use our electronic fax number 919-869-1800.