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•
•‹date/time›
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3DOption3.=<= ![endif]>
2011 Inscripción de Beneficios Anual
Noviembre7 al 18 de 2011
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3DPPT1Text.=
R= 26;2
R= 26;2
Resumen sobre el Periodo de Inscripción
•El periodo de inscripción de beneficios ocurrirá durante Noviembre 7 – Noviembre <= span lang=3DES-PR style=3D'font-size:67%'>18 de 2011.
•
•Las elección de beneficios se = llevara a cabo a través del Portal de Servicios de <= span lang=3DES-PR style=3D'font-size:67%'>ADP.
•Los beneficios elegidos durante el pe= riodo de inscripción anual serán efectivos = en el 1 de Enero de 2012. y se mantendrán en efecto durante todo el año. =
•Si no se hace ningún cambio du= rante el periodo de inscripción anual, entonces es importante que entienda que solame= nte podrá hacer cambios a sus beneficios durante el año, si los mismos son reconocidos como un cambio o evento de vida cualificado.  Entre los cambios cualificados elegibles se encuentran:
• Matrimonio
• El nacimiento o adopción de un hijo
• Divorcio
• Muerte
• Perdida de empleo de su pareja o esposo (a)
• Algún dependiente pierde u obtiene elegibilidad
•
•
• =
------=_NextPart_01CC9EEE.1626FA40 Content-Location: file:///C:/8E96448C/2011-AssociateOpenEnrollmentPresentation-Spanish-Final_files/master18_image011.gif Content-Transfer-Encoding: base64 Content-Type: image/gif R0lGODlhyQA1AHcAMSH+GlNvZnR3YXJlOiBNaWNyb3NvZnQgT2ZmaWNlACH5BAEAAAAALAIAAQDH ADQAggAAACMfIKsGNaonPfiZHQECAwECAwECAwP/CLrc/jDKSau9+JHNu/9dJo5kaZ7oAq5sy6Zw LM+Xa9/4S+987+TAoLDlKxopw6RyeWwal9Do0EmN5axSaXU7cnEV2et3rNnABOi0eo1OhUPkOIlN r9vtpKx8S8Dc/4CBeDVJe4YAgomDJ2yEN4dbiolyaUhekD2SgphdOpxnmnefMh6jJqF/pjxmqheo qa2xX6+wsrZOtKK3u0W5dLzARr6NwcU0w2tVA8afyMnKzJjOlVzL0XvT1NXW17PZbWTc3VXf4OHi 48LlhgPo6Tzl2j4B9BLtEfUy9AHF8fJF+yC0c7cgX4yAvPyZa4KwwUAJBt9lULjQScMF9/ZdzKcx wyKAjgVBfuSnQKQ0imMuAnhokCPJkSFLvvwoMybMiDOxoSRz8aEDlxCANlBZ0+MhigIMIRxoraPQ kSI1MpA6tR5VQ0iTKq3HFKrTml6vmvRqkywlpJj2dd1olSROj0QRGjVKDi0negRYzpTa9uXVmHv7 /sxJJaupAByaOgW62CXIxTL5feWSVSsvukPpqiRalXCTypYligYdWvQ70qZHo059GjTr1q5fdyNd UXY/2rav0a6d+9Zu3r1l/S4d3Nbw4sESAAA7 ------=_NextPart_01CC9EEE.1626FA40 Content-Location: file:///C:/8E96448C/2011-AssociateOpenEnrollmentPresentation-Spanish-Final_files/slide0200.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii" Valassis Benefits Open Enrollment 2008
3DPPT1Text.=
R= 26;3
Requisitos de Elegibilidad para Depen= dientes
•<= span lang=3DES-PR style=3D'font-size:63%'>Esposo(a)(matrimonio legal), pareja de unión civil o pareja doméstica cualificada (para revisar los requisitos vea la “Declaración de pareja doméstica” de Valassis qu= e se encuentra en www.valassisbenefits.com= )
•Hijos que cumplen con los siguientes criterios.  Esto incluye: hij= o(a) natural o legalmente adoptado; hijastro(a) y/o hijos de su= pareja domestica que viven con usted y son dependientes de su apoyo y niños de los que= usted es el custodio legal.
–Hijos (as) solteros menores de 19
–<= span lang=3DES-PR style=3D'font-size:75%'>Hijos (as) solteros entre las edades = de 19 a 25 años que sean estudiantes a tiempo completo y que dependan de usted para= soporte económico.
–<= span lang=3DES-PR style=3D'font-size:75%'>Hijos (as) que se volvieron mental o físicamente incapacitados antes de cumplir los 25 años de edad y que dependen de= su apoyo y soporte económico.
–<= span lang=3DES-PR style=3D'font-size:75%'>Usted debe proveer prueba de elegibil= idad para todos los dependientes registrados en los beneficios.
•Excepción en elegibilidad p= ara la cubierta medica y de medicamentos
•Podrás inscribir a tu hijo adu= lto (natural, adoptado o hijastro) en la cobertura médica = hasta la edad de 26 años. No r= equiere que cumplan ningún requisito de elegibilidad. Esta provisión no aplica al pl= an dental, de visión, el seguro de vida para dependientes ni para la cuenta FSA.
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3DPPT1Text.=
R= 26;4
Insc= ripción Anual:
Dato= s a Recordar para el Año Plan 2012
<= span style=3D'font-size:67%'>•Cuenta de Gastos Flexibles y Medicamentos a la ven= ta en el mostrador o sin receta.
–Estos medicamentos requieren una rece= ta de su médico para que sean elegibles para reembolso (esto es aplicable a pesa= r que una receta no es requisito para la compra del medicamento)
–La tarjeta de debito WageWorks no pue= de ser utilizada para comprar medicamentos sin receta.
–Utilice la calculadora WageWorks para determinar la cantidad que usted debe aportar a su cuenta de gastos flexibles.
–Recuerda utilizar todo el dinero apor= tado en el 2011. Podrás utilizar el dinero aportado en el 2011 para gastos de sa= lud en el 2012 hasta Marzo 15 de 2012.
•El dinero aportado en el 2012 no podr= á ser utilizado hasta que haya gastado el dinero aportado en el 2011 o hasta Marz= o 16 de 2012, de acuerdo al incidente que ocurre primero.
•Podrá inscribir a aquellos dependientes ele= gibles para la cobertura de 2012.
–Si tu y tu esposo (a) tienen acceso a cobertura de salud, compare los planes disponibles y haga sus elecciones antes de que el periodo de inscripción anual termine. Recuerda, si no haces los cambios de cobe= rtura necesarios durante el periodo de inscripción anual, las elecciones tendrán que mantenerse = en vigencia hasta el próximo peri= odo de inscripción o hasta que ocurra un evento de vida cualificado.
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3DPPT1Text.=
R= 26;5
Cambios al Plan de Beneficios para el= 2012
•Plan Tradicional PPO
•
–El deducible bajo el Plan Tradicional PPO tendr&aa= cute; un cambio para el 2012. El deducible dentro de la red para cobertura individu= al aumentara $100, de $500 a $600. El deducible dentro de la red para cobertura= de individuo +1 o familia aumentara $200 de $1000 a $1200. La tabla a continuación muestra los deducibles tanto dentro como fuera de la red de servicios. 
Dentro de la red
Fuera de la Red
Individual
$  6= 00
$1,200
Individuo + 1
$1,200
$2,400
Familiar
$1,200
$2,400
Individual <= /span>
Máx. fuera del bolsillo
$2,100
$3,200
Individuo + 1/Familiar
Máx. fuera del bolsillo
$4,200
$6,400
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3DPPT1Text.=
R= 26;6
Cambios al Plan de Beneficios para el 2012 =
•Plan de Ahorro para la Salud <= /b>
–Efectivo el 1 de Enero de 2012 se añadir&aa= cute; un co-pago en los medicamentos con receta; la cantidad será basada en el tipo de medicamento. Una vez se satisfaga la = cantidad del deducible, los medicamentos con receta serán cubiertos con los siguientes co-pagos: =
•Copago de$10 – Medicamento Genérico
• Copago de $40  – Medicamento Formulario de Marca
•Copago de $65  – Medicamento No-Formulario= de Marca
•
–El copago máx. es de $1,000 para cobertura individual ó de $2,000 para cobertura individuo + 1 ó familiar, lu= ego el servicio es cubierto 100% por el resto del año plan.
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3DPPT1Text.=
R= 26;7
R= 26;7
Cambi= os al Plan de Beneficios para el 2012–= ; Delta Dental
<= span style=3D'font-size:67%'>•Delta Dental de Michigan será el nuevo administrador del plan dental.
•
<= span style=3D'font-size:80%'>–Nuestros beneficios se mantendrán esencialm= ente iguales.
<= span style=3D'font-size:80%'>–Las contribuciones de los asociados se mantendr&aa= cute;n igual.
<= span style=3D'font-size:80%'>–Provee una red nacional mas amplia tanto para el P= lan PPO y el Plan DMO.
–Si en el presente estas inscrito y de= seas mantener la misma cobertura, no tendrás que hacer ningún cambio. Tu inscripción será simplemente transferida a la opción equivalente ofrecida= por Delta.
–Si estas inscrito en el plan DMO, por= favor verifica si tu dentista participa en la red DeltaCare USA; si tu proveedor dental no parti= cipa tendrás que cambiarlo a un proveedor participante.  
–
–Nota: Todos los reclamos incurridos (servicios recibidos) durante el
–año calendario 20= 11 deben ser sometidos a CIGNA para ser
–procesados en ó a= ntes del  30 de Junio de 2012. Cua= lquier reclamo dental que
–no haya sido sometido el= 30 de Junio no será elegible para ser cubierto por
–los beneficios.
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3DPPT1Text.=
R= 26;8
Cambi= os al Plan de Beneficios para el 2012–= ; CIGNA
•
= •CIGNA será el administrador de el seguro= de vida y seguro por incapacidad pagado por la compañía. <= /span>
–Los planes voluntarios también serán administrados por CIGNA
–Toda la cobertura establecida y aplicable ser&aacu= te; automáticamente transferida el 1 de Enero de 2012.
–Las tarifas del seguro de vida volunta= rio no cambiaran.
•
•
•Plan Voluntario de Incapacidad a L= argo Plazo
–CIGNA ofrecerá a nuestros empleados a tiempo completo la oportunidad de comprar un 10% adicional de cobertura para incapac= idad a largo plazo .
–Inscríbete luego del 1 de Febrero de 2012 a través de la sección de Beneficios & Programas Voluntarios que se en= cuentra en la página Web www.ValassisBenefits.com= .
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3DPPT1Text.=
R= 26;9
Inscripción= Pasiva para 2012
•
•
<= ![if !vml]>
Beneficio
Si usted no hace elecciones para el 2012
Plan Médico = y de Medicamentos con Receta
Las elección presente se transferirá automáticamente.<= /div>
Dental
Las elección presente se transferirá automáticamente.<= /div>
Visión
Las elección presentes se transferirá automáticamente.<= /div>
Seguro de Vida y AD&D
Las elección presente se transferirá automáticamente.<= /div>
Seguro de Vida Voluntario y para Dependientes
Las elección presente se transferirá automáticamente.<= /div>
Plan de Servicios Legales
Se renunciara al beneficio automáticamente.<= /div>
Cuenta de Gastos Flexibles
Se renunciara al beneficio automáticamente.<= /div>
Cuenta de Ahorro para la Salud<= /div>
Se renunciara al beneficio automáticamente.<= /div>
Compra de Vacaciones
Se renunciara al beneficio automáticamente.<= /div>
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3DPPT1Text.=
R= 26;10
R= 26;10
Página Web de Blue Cross
•Utiliza el estimador de costos (Consu= ltor de Cobertura) para determinar que plan médico es la mejor opción para ti.
<= span style=3D'font-size:75%'>•Accesar información sobre reclamos.
<= span style=3D'font-size:75%'>•Completar la evaluación de riesgo en la salud.
<= span style=3D'font-size:75%'>•Obtener información acerca de condiciones médicas.
•Buscar y encontrar un proveedor que p= articipe dentro de la red de servicios del plan
•
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3DPPT1Text.=
R= 26;11
•
•
Planes Médi= cos
•Valassis le ofrece a sus asociados 2 opciones de p= lan médico:
•
•Blue Cross Plan Tradicional PPO <= /span>
•
•Blue Cross Plan de Ahorros para la Sa= lud
•
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3DPPT1Text.=
R= 26;12
•
•
El Plan Tradicional PPO<= /div>
Beneficio
Dentro de la Red
Fuera de la Red=
Deducible
(cantidad a pagar antes = de que el