Frequently Asked Questions

Have questions? We have answers. Browse the FAQs by topic.

General Questions

When is 2019 Open Enrollment?

Open Enrollment is Nov. 1 - Nov. 21, 2018.

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When do the benefits I choose during Open Enrollment begin?

January 1, 2019

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Can I make changes to my benefits elections after Open Enrollment?

After you enroll, confirmation statements will be mailed to your home in December. The statement will include instuctions and a deadline for any corrections.

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Who can I cover under CMC benefits?

If you are a benefits-eligible employee, you can cover eligible dependents. Eligible dependents include your spouse and children, as long as they meet the plan’s definition. Click here to download a PDF explaining who is eligible and what documentation you need to provide to enroll them.

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What documents do I need to provide to show that my dependents are eligible for benefits?

Whenever you enroll a dependent for the first time (or re-enroll a dependent after coverage is dropped), you’ll be required to provide documentation for that dependent within your enrollment period. Click here to download a PDF explaining who is eligible and what documentation you need to provide. CMC has the right to review eligibility at any time. If you enroll an ineligible dependent, you could face disciplinary action.

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How do I enroll?

There are three ways you can enroll in benefits:

  • Go to myCMCBenefits.com and click on the “Enroll in Benefits” link. It will take you to the enrollment tool.
  • Go to the CMC GlobalNet homepage. Click on “Benefits”. For password resets, contact the IT Helpdesk at 1-888-823-1212.
  • Log in to cmcbenefits.bswift.com. You’ll need your Employee Number to enroll.
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What if I miss the Nov. 21, 2018, deadline?

Your 2018 election will carry over to 2019, except for your Flexible Spending Account contributions. Per IRS rules, if you wish to enroll in an FSA you must re-enroll every year. If you did not elect CMC benefits in 2018, and you choose not to enroll for 2019, you will not have benefits coverage.

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Is the Employee Assistance Program (EAP) available to covered dependents?

Yes, CMC provides EAP benefits to all employees and their dependents.

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BCBSTX Medical Plans

These medical plan FAQs apply to CMC’s Blue Cross Blue Shield (BCBSTX) Medical Plan. If you are eligible for Kaiser click here or HMSA click here for more information.

What will my medical options be for 2019?

CMC offers one medical plan, the BCBSTX PPO.

The plan features low copays to encourage you to seek care when you need it:

  • Primary care visit: $20
  • Specialist visit: $30
  • Urgent care: $40
  • Labs/X-ray in doctor’s office: Included in office visit copay
  • Generic drugs: $5 ($10 for mail order)
  • Brand formulary drugs: $35 ($70 for mail order)

The plan deductible is $1,000 for individual coverage and $3,000 for family coverage. The out-of-pocket maximum is $7,900 for individual coverage and $15,800 for family coverage.

Read your 2019 Benefits Guide for more information.

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How do I know which medical rate tier applies to me?

CMC’s medical premiums are tiered according to your salary. If your annual base salary is less than $100,000 as of September 1, 2018, you pay the medical rates listed in the lower tier for 2019. Your rates will remain the same for 2019 whether or not your salary changes during the year.

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Who is the medical plan administrator and how do I find an in-network provider?

Blue Cross Blue Shield of Texas (BCBSTX) administers the BCBSTX PPO. BCBSTX offers a nationwide network of providers. To find a doctor in the BCBSTX network, visit bcbstx.com and click on “Find a Doctor or Hospital".

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Will I receive Medical Plan ID cards?

Yes, if enrolled in medical coverage in 2019, you will receive an ID card for you and your covered dependents. So, be sure that your home address on file is correct, and then watch your mailbox in late December for your ID card from BCBSTX. For a replacement card, call BCBSTX at 1-877-262-7977.

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How does the tobacco surcharge work?

When you enroll, you will need to indicate if you (and your spouse, if applicable) are a tobacco user or non-tobacco user by checking the appropriate box for you and your spouse. If you use tobacco, you pay a $75 per month/per person surcharge.

Remember, while CMC uses the honor system for certification, misrepresenting your tobacco status can lead to disciplinary action.

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How does the wellness surcharge work?

See "What is the surcharge?" in the Wellness FAQs.

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Do copays apply to the deductible?

No, copays do not apply to the deductible.

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Do copays apply to the out-of-pocket maximum?

Yes, copays do apply to the out-of-pocket maximum.

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Is the out-of-pocket maximum the most I will have to pay out of pocket?

The out-of-pocket maximum is the most you will pay out of your own pocket for covered expenses in a year. Once you reach the out-of-pocket maximum, the medical plan pays for all covered services for the rest of the year. The out-of-pocket maximum does not include premiums or services the plan does not cover.

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How is the deductible calculated and met?

The family deductible can be met by three OR a combination of covered family members. When only two members are covered (Employee + Child coverage or Employee + Spouse coverage) benefits will be paid on an individual level. Once the individual deductible has been satisfied, co-insurance applies.

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How is the out-of-pocket maximum (OOP max) calculated and met?

The family OOP max can be met by three OR a combination of covered family members. The deductible and co-pays and/or co-insurance applies to the OOP max.  When only two members are covered (Employee + Child coverage or Employee + Spouse coverage) benefits will be paid on an individual level. Once the individual OOP max has been met, claims will be paid at 100%.

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Telehealth

These telehealth FAQs apply to employees and their dependents covered by CMC’s Blue Cross Blue Shield (BCBSTX) Medical Plan. If you are covered by CMC’s Kaiser or HMSA plans, click here for more information.

What conditions can I use telehealth for?

Use MDLIVE for non-emergency medical and pediatric care. MDLIVE's board-certified physicians can help with conditions such as allergies, asthma, nausea, sinus infections, cold, flu, ear problems, urinary tract infections and pinkeye. While MDLIVE is not intended to replace your primary care doctor, a virtual doctor's appointment can sometimes substitute for a doctor's office, urgent care or emergency room visit.

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How do I register?

To register, complete one of the following steps:

a. Go to MDLIVE.com/bcbstx.

  • Click Activate Now and enter your date of birth and BCBSTX member ID number.
  • Be sure to use MDLIVE.com/bcbstx to ensure your visit is covered by CMC's plan (if you use the main MDLIVE.com URL without "/bcbstx", your visit may not be covered).

b. Call MDLIVE Customer Service at 888-680-8646 and select Option 1.

c. Download the MDLIVE app (available in the Apple App Store or Google Play).

  • Enter your first and last name, gender, date of birth and BCBSTX member ID number.-

d. Access your Blue Access for Members (BAM) account or BAM mobile and use single-sign-on to access MDLIVE.com/bcbstx.

  • Enter your first and last name, gender, date of birth and BCBSTX member ID number
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Does everyone in my family need to register?

Yes, everyone in your family, regardless of age, will need to register with MDLIVE.

NOTE: For HIPAA purposes, any dependents age 18 and under will need a parent or legal guardian with them during an MDLIVE consultation.

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Who do I contact if I have registration, account or technical issues?

Call MDLIVE Health Services at 888-680-8646.

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Can my child use MDLIVE when I’m not with them?

Individuals under 18 years old must have a parent or legal guardian present during the virtual visit. If your child is over 18 years old and has their own MDLIVE account, you cannot access their account unless your child authorizes you to do so.

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Can I use my personal laptop or phone?

Yes, you can use MDLIVE with a variety of devices, though capabilities vary by device. If you don’t have access to a computer or smart phone to take advantage of the video capabilities, you can talk to the doctor over the phone, assuming you live in a state where that’s allowed (some states have different telehealth requirements). Keep in mind, you may need to take and upload a photo for the doctor prior to your visit for rashes, skin infections, pink eye, etc.

Here are our tips for the best MDLIVE experience on your device. Video consultations:

  • Work best using Chrome or Firefox browsers when using a laptop or computer.
  • Must be used on a web browser app other than the Safari app on iPhones.
  • Are compatible with Androids.
  • Are not compatible with iPads.
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How do I schedule a visit?

Once you're registered, you can schedule a visit via:

  • Computer at MDLIVE.com/bcbstx
  • The MDLIVE app on your smartphone
  • By calling MDLIVE at 888-680-8646
  • Logging in through Blue Access for Members (BAM).

To schedule a visit, you will need to:

  • Confirm your location and the type of doctor you want to visit. Then, choose a doctor and an appointment time.
  • Provide a short explanation of the reason for your visit and fill out a brief medical history, if you haven’t already. (Depending on the reason for your visit, you may need to take and upload a photo for the doctor prior to your visit for rashes, skin infections, pink eye, etc.)
  • Choose a pharmacy (make sure it’s in-network!) close to your current location in the event you need a prescription.
  • Confirm the appointment.

NOTE: If you access MDLIVE.com/bcbstx while using a CMC device, your location will be determined by CMC servers and may be incorrect. Be sure to confirm your current location when prompted upon logging in to MDLIVE.

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What do I do if I haven't received a call back within 60 minutes?

The average wait time is less than 18 minutes and, to date, roughly 80% of MDLIVE consultations are connected within 15 minutes, 88% are connected within 30 minutes and 95% are connected within 60 minutes. If you’re not contacted within 60 minutes, call MDLIVE Health Services at 888-680-8646.

Keep in mind, if you scheduled a video consultation, you need to be logged in to the patient portal or app to receive the call from the doctor.

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Can I use MDLIVE while traveling?

Yes. If you’re out of state, you’ll be treated by a physician who is licensed in the state where you’re located at that time. Please be aware that MDLIVE is not available outside of the U.S.

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Is MDLIVE available in Spanish?

Yes, you can access MDLIVE in English and Spanish. Once you’ve logged in to the patient portal, you can switch languages in the top right corner by your name.

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Prescription Drug Coverage

These FAQs apply to CMC’s BCBSTX PPO medical plan. If you are eligible for Kaiser or HMSA (Hawaii only) coverage, you will receive information about your plan in the enrollment kit mailed to your home.

When I enroll, is prescription drug coverage a separate election?

No. Your prescription drug coverage is part of your 2019 medical plan and coverage is offered by BCBSTX. When you enroll for medical coverage, you will also be enrolled for prescription drug coverage.

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Will I receive a separate prescription drug ID card?

No. Your medical plan ID card also works as your prescription drug ID card.

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What do I pay for prescription drugs?

The medical plan covers certain preventive medications you take on an ongoing basis at 100%. When filling other prescriptions, you will pay a flat copay. The exception is for specialty drugs, for which you pay 20% of the cost to a maximum of $200 per prescription.

Please see the 2019 Benefits Guide for more information.

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Will I pay less for generic drugs?

Yes, generic drugs cost less! However, if you choose to purchase a brand-name drug instead of a generic alternative when one is available, you will be responsible for the difference in cost between the brand-name and the generic, in addition to the brand name copay (or coinsurance for specialty drugs).

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How do I make sure that I receive generic drugs so my costs are lower?

Pharmacies will generally give you a generic drug, unless your doctor has asked for a specific brand-name drug. If your doctor has prescribed a brand-name drug (either preferred or non-preferred) when a generic is available, you will pay the difference in cost between the brand-name and generic drug.

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What if my doctor prescribes a brand-name drug instead of generic?

To help you save money on prescription costs, ask your doctor if there is a generic alternative that would work for you. If a generic equivalent exists, but you are prescribed a brand-name drug (either preferred or non-preferred), you will have to pay the difference in cost between the brand-name drug and the generic drug. If your doctor writes “DAW” or “Dispense as written” on your prescription, then you will only have to pay the copay and will not have to pay the difference in cost between the brand name and generic drug.

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How do I know if my medication qualifies as a preventive or preferred drug?

Check the drug lists to determine if your medication is classified as a preventive drug or a preferred drug. Visit bcbstx.com or call 1-877-262-7977.

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Dental and Vision Coverage

These dental and vision FAQs apply to coverage available in all areas except Hawaii. If you are eligible for HMSA coverage (Hawaii only), you will receive information about your plan in the enrollment kit mailed to your home.

What are my dental options for 2019?

You will have two options, the Premium Plan and the Basic Plan. The dental options have been improved to pay more when you need dental care.

Read your 2019 Benefits Guide for more information.

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Who is the Dental Plan administrator?

The plan uses the Delta Dental provider network, and you can find a network doctor online at deltadentalins.com; just select “Find A Dentist” or call 1-800-521-2651.

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What is the difference between the Premium Dental Plan and the Basic Dental Plan?

The Premium and Basic Plans both cover in-network preventive care at 100% with no deductible and major services at 50% after deductible. They cover basic restorative care at different levels. Only the Premium Plan covers orthodontia. Please see the 2019 Benefits Guide for more information.

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Will I receive a Dental ID card?

No. You will not receive a Dental ID card for dental coverage from Delta Dental. When you go to the dentist to receive services, they will ask you questions to verify coverage. The group number is 5838.

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What are my vision options for 2018?

You will have two options, the Premium Plan and the Basic Plan.

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Who is the Vision Plan administrator?

The plan uses the VSP provider network, and you can find a network doctor online at vsp.com; just select “Find A Doctor” or call 1-800-877-7195.

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What is the difference between the Premium Vision Plan and Basic Vision Plan?

The Premium Plan has lower copays, but the Basic Plan has lower payroll deductions. The Premium Plan covers a variety of lens options, while the Basic Plan does not. Please see the 2019 Benefits Guide for more information.

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Will I receive a Vision ID card?

No. You will not receive a Vision ID card for vision coverage from VSP. When you go to the eye doctor to receive services, they will ask you some questions to verify coverage. The group number is 12247388.

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Life and Accidental Death & Dismemberment (AD&D) Insurance

Who is the carrier for Life and AD&D Insurance?

Liberty Mutual is the carrier for Life and AD&D Insurance. The group number is 06-065099.

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Will I receive Basic Life and AD&D Insurance?

Yes. CMC provides coverage at no cost to you in the amount of two times your annual base pay for both Basic Life and AD&D.

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Will my eligible dependents receive Basic Life Insurance?

No. Neither Basic Life nor Basic AD&D coverage is available for your eligible dependents. However, you may cover them under the Optional Life and Optional AD&D Plans.

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What do Basic Life and AD&D Insurance cover?

Basic Life gives your beneficiaries financial protection if you should die. Basic AD&D may provide financial protection if you die or are seriously disabled in an accident.

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Can I purchase additional coverage?

Yes, you may purchase additional life insurance and AD&D coverage for yourself, your spouse and your child(ren). Certain maximums apply.

Read your 2019 Benefits Guide for more information.

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How much will I pay for Optional Life and AD&D?

See the CMC Benefits Service Center for the 2019 Optional Life and AD&D rates.

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How do I name my beneficiaries for Life and AD&D coverage?

You will be asked to name your beneficiaries when you enroll for benefits. You are automatically named the beneficiary of your dependents’ life insurance coverage. Be sure to update your beneficiaries when necessary. You can update your beneficiaries at any time through the CMC Benefits Service Center.

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Short Term and Long Term Disability Coverage

Will I receive Short Term and Long Term Disability coverage?

CMC provides company-paid Short Term Disability (STD) and Long Term Disability (LTD) coverage at no cost to you.

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What does Short Term Disability cover?

Short Term Disability provides income replacement if you miss seven or more consecutive days of work due to an approved illness, injury or pregnancy. Weekly benefits start after seven days of absence and may continue for up to 26 weeks.

See the 2019 Benefits Guide for the schedule of benefits paid under the coverage.

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What does Long Term Disability cover?

Benefits are paid if you can’t work due to an approved illness or injury. Monthly benefits start after the later of 180 days or when STD coverage ends.

See the 2019 Benefits Guide for the schedule of benefits paid under the coverage.

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Flexible Spending Accounts (FSAs)

What FSAs does CMC offer?

CMC offers two different FSAs – the Health Care FSA and the Dependent Care FSA. The Health Care FSA is used to reimburse you for eligible medical, dental, vision and prescription drug expenses for yourself, your spouse and your dependent child(ren).

The Dependent Day Care FSA is used to reimburse you for eligible out-of-pocket child or adult dependent day care expenses. Note that dependent medical expenses ARE NOT eligible for reimbursement.

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How do I enroll in an FSA?

If you wish to participate in an FSA, you'll enroll during your open enrollment period. Per IRS rules, you must elect an FSA contribution amount each year you participate.

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How much can I contribute to an FSA?

In 2018, you can contribute:

  • Health Care FSA: $2,650
  • ‍Dependent Care FSA: $5,000 if you file your taxes single, head-of-household or married filing jointly; $2,500 if you file your taxes married filing separately

FSA contribution limits for 2019 will be posted when they are announced by the IRS.

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When are funds contributed to my FSA?

Contributions are deposited into your account with each paycheck. For the Health Care FSA, you will receive a debit card you can use to pay for services, or you can file a claim. For the Dependent Care FSA, you file a claim to be reimbursed. For more information on filing claims, go to www.wageworks.com.

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What happens to my FSA balance at the end of the year?

FSAs have a “use it or lose it” rule. All funds must be used by Dec. 31 and all claims must be filed by March 31 of the following year. The same principle applies each year. If your funds are not used, you lose that money. This is an IRS – not a CMC – rule. So carefully consider how much to contribute.

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What if an expense is more than the amount I have in my FSA?

For the Health Care FSA, you can use up to your full election on Jan. 1.

For the Dependent Care FSA, you can use only the amount that is currently in your account. If there is not enough money in your account, you will have to pay for the service out of pocket.

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Who can enroll in the Health Care FSA?

All benefits-eligible employees may elect the FSA, regardless of whether they enroll for medical coverage with CMC or waive coverage.

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Who can enroll in the Dependent Care FSA?

All benefits-eligible employees may elect the FSA, regardless of whether they enroll for medical coverage with CMC or waive coverage.

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Can FSA funds be used for dependents who are not enrolled in a CMC medical plan?

Yes. You can use your FSA funds to pay for eligible expenses for anyone you claim as a dependent on your taxes. Your dependent does not need to be enrolled in a CMC health care plan. For more information about how FSAs work, go to https://www.irs.gov/pub/irs-pdf/p969.pdf.

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Health Savings Account (HSA)

I have money in my HSA. What can I do with it in 2019?

Any money remaining in your account is always yours, even if you are not enrolled in a medical plan that offers an HSA. Although you can’t contribute money to it, you can use the money in your account to pay for eligible medical expenses in 2019 or at any time in the future.

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Can I cash out my HSA?

Unlike a traditional savings account, you cannot cash out your HSA. You can only use your HSA to pay for eligible health care expenses. You may be required to provide proof that you’ve used your funds to purchase eligible expenses (called substantiation). If you use your HSA to purchase ineligible expenses, the IRS will impose a 20% penalty tax. After you reach age 65 you can withdraw the funds without penalty but the amounts withdrawn will be taxable as ordinary income. For more information about how HSAs work, go to https://www.irs.gov/pub/irs-pdf/p969.pdf.

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Who do I contact with questions about my HSA?

Contact Benefit Wallet at 877-472-4200 or MyBenefitWallet.com with questions about your HSA account.   

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Is there a fee for my HSA?

Contact Benefit Wallet at 877-472-4200 or MyBenefitWallet.com to find out about HSA fees.

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Can I transfer funds from my HSA to an FSA?

No, funds between HSAs and FSAs are non-transferrable. 

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Voluntary Benefits

What's the purpose of voluntary benefits?

Voluntary benefits, like Critical Illness, Accident Insurance and Hospital Indemnity, supplement your medical insurance by helping you pay your out-of-pocket expenses if you suffer a serious illness or accident, or are admitted to the hospital. These voluntary benefits do not replace your medical plan.

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Why did CMC make voluntary benefits available to employees?

We want to encourage employees to seek medical care when they need it. Voluntary benefits help pay for out-of-pocket expenses for certain illnesses and accidents, helping to remove another barrier to seeking care.

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How do voluntary benefits work?

You elect coverage during your enrollment period, and your premiums are deducted from your paycheck, just like for your other health insurance benefits. If you experience a covered illness, injury or hospital admission during the year, you file a claim. Payment is made directly to you to spend on whatever you need (e.g., hospital bills, groceries, household bills).

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Can I cover my dependents?

Yes. You may purchase optional coverage for your spouse and dependent children.

See the 2019 Benefits Guide for more information.

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What types of illness are covered by Critical Illness Insurance?

The plan pays benefits for heart attack, stroke, kidney failure, coronary artery bypass, cancer and several others. No medical questions or tests are required for coverage.

See the 2019 Benefits Guide for more information. You may also access the Summary of Benefits Coverage (SBC) from the CMC Benefits Service Center or call Voya at 877-236-7564 with any questions.

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What does Accident Insurance cover?

The plan pays benefits for common injuries like fractures and dislocations, burns, lacerations and concussions. It also pays benefits when you are treated in the emergency room or hospital, take an ambulance, undergo surgery or get physical therapy.

See the 2019 Benefits Guide for more information. You may also access the Summary of Benefits Coverage (SBC) from the CMC Benefits Service Center or call Voya at 877-236-7564 with any questions.

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What does Hospital Indemnity Insurance cover?

The plan pays benefits based on the number of days spent in a hospital, critical care unit or rehabilitation facility. It also pays benefits for outpatient and inpatient surgery, and emergency room and rehabilitation services.

See the 2019 Benefits Guide for more information. You may also access the Summary of Benefits Coverage (SBC) from the CMC Benefits Service Center or call Voya at 877-236-7564 with any questions.

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What is the policy number for voluntary benefits?

The policy number is 70288-9.

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How do I file a claim?

You can file a claim in a variety of ways:

Online: 24/7 at https://claimscenter.voya.com/static/claimscenter/

Fax: 877-464-2280 (Claim form available in the CMC Benefits Service Center is required)

Mail: (Claim form available in the CMC Benefits Service Center is required)

  • Regular Mail – Voya Employee Benefits, PO BOX 320, Minneapolis, MN 55440
  • Overnight Mail – Voya Employee Benefits, 20 Washington Ave S, Minneapolis, MN 55401

Please note: Wellness claims can be filed over the phone by calling 1-888-238-4840 and selecting Option 2. In order to file over the phone, you will need the following information:

  • Name of the insured, date of birth and relationship to you
  • Social Security number (SSN) of the primary insured
  • Name of the provider who performed the health screening or other eligible services
  • Date of service and the exact name of service 
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How long does it take to get reimbursed?

Reimbursement generally takes 7-14 days from the time you submit the claim online or by fax. Please allow additional time for reimbursement if claims are mailed. Reimbursement may take longer if information is missing from your submission. 

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What types of services can be submitted for reimbursement under the wellness benefit?

You can submit an annual physical exam, biometric screening, age-appropriate services such as mammogram, colonoscopy, well woman exam, etc., hearing screening, vision screening and dental cleaning.

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401(k)

Am I eligible to participate in the Retirement Plan?

All full-time employees are eligible to participate on the first of the month following the first 30 days of your employment. Part-time employees are also eligible the first of the month after 1,000 hours of work.

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When can I begin participating in the Retirement Plan?

You are eligible to start participating on the first of the month after 30 days of employment.

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What happens if I don’t enroll?

Unless you elect to not contribute to the Retirement Plan, 6% of your pay will be automatically deducted from each paycheck on a pre-tax basis and contributed to your account. These automatic deductions will begin 31 days after you are eligible to participate in the plan.

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What type of contributions can I make to the Retirement Plan?

There are two types of contributions you can make to the plan – pre-tax (traditional 401(k) contributions) or Roth after-tax. Additional information about Roth after-tax contributions can be found later in these FAQs.

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What is the maximum amount I can contribute?

You may save from 1% to 50% of your pay (up to IRS limits). In 2018, the limit is $18,500 and an additional $6,000 if you are going to be age 50 or older during the year. In 2019, the limit is $19,000 and an additional $6,000 if you are going to be age 50 or older during the year.

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Can I change my contribution amount?

Yes, you may change your contribution amount at any time on MillimanBenefits.com.

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Does CMC contribute to my Retirement Plan?

CMC will match your contributions $1 for every $1 you save, up to 3%. Plus, 50¢ for every $1 you save on the next 3% of your pay. That equals a total match of 4.5% of your pay if you contribute 6%.

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Is the CMC match considered taxable income? If so, when do I pay taxes on the company match?

Yes, the Company match and any earnings on the match are all considered pre-tax income. The distribution is taxable the year in which you receive a taxable distribution.

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Are pre-tax earnings considered taxable income? If so, do I pay tax on the earnings?

Yes, earnings on pre-tax contributions are considered taxable income. The earnings are treated as normal income when you receive a taxable distribution.

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What is vesting? And when am I fully vested?

Vesting is the accrual of ownership in the Company match and any discretionary contributions CMC makes to your account (Supplemental Contributions). You are always 100% vested in the value of your own contributions, and you are 100% vested in the Company match and Supplemental Contributions after 2 years of service.

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What are supplemental contributions?

In addition to the Company match, each year CMC may elect to make a discretionary Supplemental Contribution to the plan. The Supplemental Contribution amount, if any, will be determined and authorized by the Board of Directors of Commercial Metals Companies each Plan Year.

Your portion of any Supplemental Contribution will be based on your basic compensation. You must have been employed on the last day of the Plan Year (8/31) to be eligible to receive the Supplemental Contribution.

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What are my investment options in the Retirement Plan?

There are two options available to you, which represent a wide variety of investment options:

  • Vanguard Target Date Funds: Target Date funds are designed to take the confusion out of investing. They provide diversified investment mixes based on expected retirement dates and automatically shift to a more conservative blend as you near your target retirement date.
  • Custom Investment Portfolio: You design your own asset allocation. You may choose to invest in any combination of the Plan’s investment options, which represent a broad range of risk and return characteristics within various asset classes. To view the full investment lineup, log in to MillimanBenefits.com.

If you’re automatically enrolled in the Retirement Plan, your account will be invested in the Vanguard Target Retirement Fund that most closely aligns with your normal retirement date (defined in the Plan as age 65).

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Once I make an investment election, am I allowed to change it?

Yes, you may change your investment elections at any time on MillimanBenefits.com.

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How do I elect a beneficiary for my account?

You may elect a beneficiary on MillimanBenefits.com. Click on “Beneficiaries,” and provide the required information (Social Security number and date of birth) for those you designate.

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How do I roll over my balance from another plan into the CMC Retirement Plan?

To complete a rollover to your CMC account, log in to MillimanBenefits.com and choose “Create Rollover Contribution Deposit Form” from the Contributions menu. For additional information, you can call the Milliman Benefits Service Center at 1-866-767-1212.

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How do I access my account?

You can access your account at MillimanBenefits.com. The first time you log on, your:

  • Login ID: Will be your Social Security number.
  • Password: Will be your month and year of birth (MMYY).
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What if I have questions about my account?

Milliman Benefits Service Center representatives are available Monday - Friday from 7 a.m. to 7 p.m. Central Time through web chat on MillimanBenefits.com or by calling 1-866-767-1212.

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How do Roth after-tax contributions differ from my current pre-tax contributions?

The main difference in the two contribution types boils down to when you pay taxes. Pre-tax contributions are deducted from your pay before income taxes are withheld. Roth after-tax contributions are deducted from your pay after income taxes are withheld. When it’s time to withdraw money from your Roth after-tax account, the earnings will be distributed tax-free if withdrawn as part of a qualified distribution.

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What is a qualified distribution?

To receive a qualified distribution from your Roth after-tax account in the Retirement Plan, you must:

  • Keep your contribution in the Roth after-tax account for at least five years from the date of the first contribution, and
  • Receive your distribution after age 59½, or due to death or disability.
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Can I withdraw my Roth after-tax contributions as a loan or in-service withdrawal?

You may withdraw Roth after-tax contributions at age 59½ (a separate election is required) or upon termination of employment. Roth after-tax contributions would also be available for hardship withdrawals (regulated by IRS rules) and loans but they would be accessed after you’ve tapped out all other available funds in the plan.

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Does the Plan’s Roth after-tax account require a minimum withdrawal amount each year after you reach age 70½ – also called a required minimum distribution?

Yes, the Roth after-tax account requires minimum distributions after age 70½ (or retirement if later). A Roth IRA does not require minimum distributions until after the death of the owner.

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Can I contribute both pre-tax and Roth after-tax contributions to my Retirement Plan account?

Yes, you may contribute to your account in both ways, including catch-up contributions if you are age 50 or above by year-end. The total amount of your contributions may not exceed the plan’s limit of up to 50% of pay, subject to the maximum annual IRS contribution limits. Your combined pre-tax and Roth after-tax contributions are considered for the Company match.

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If I elect 4% after-tax and 4% pre-tax contributions, how will the company match be calculated?

The match is based on your total contributions. You will receive the full match of 4.5% if you contribute at least 6% of your eligible compensation. This can be made up of any combination of pre-tax and Roth after-tax contributions. In this example, since the total contribution for both your accounts is 8%, you would receive the full 4.5% match.

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If I contribute to both the pre-tax and Roth after-tax accounts, into which account will the match be deposited?

Neither. The match will be deposited into a separate “match” account and is considered pre-tax money for taxation purposes.

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Are the investment elections the same for the Roth after-tax and pre-tax contributions?

Yes, investment elections for all contribution types within the plan are the same.

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Can I roll over individual Roth IRA funds to CMC’s Roth after-tax plan?

No, amounts from an individual Roth IRA are not eligible to be rolled into the CMC Retirement Plan. However, Roth after-tax contributions made to a previous employer’s qualified 401(k) plan may be eligible to be rolled into the CMC Retirement Plan. If rolled over, the original date the Roth contributions began will be recognized by the CMC Retirement Plan.

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Can I transfer money from my CMC pre-tax account to my CMC Roth after-tax account?

Yes, you may convert vested pre-tax balances in your CMC account to Roth after-tax money through an In-Plan Roth Conversion.

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Do I pay taxes on the converted Roth after-tax contributions?

Yes. When you request an In-Plan Roth Conversion, your pre-tax balances will be re-classified in the plan as Roth after-tax balances. No money will be withheld for taxes or distributed to you. However, you will be required to pay taxes. The conversion will be reported to the IRS as taxable income on Form 1099-R. You’ll need to identify income sources other than the CMC Retirement Plan to pay associated taxes. A loan or distribution from the plan cannot be used to cover the taxes unless you meet the plan’s normal conditions to do so.

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Wellness Plan

These wellness plan FAQs apply to employees who elect CMC’s BCBSTX PPO Plan.

How often are in-network annual physicals covered by CMC?

Annual physicals are covered once in a calendar year rather than rolling 12 months. So if, for example, you got your annual physical in September 2018, you can get another one in June 2019.

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Why does CMC require employees and covered spouses to get annual physicals?

Annual physicals provide a more complete picture of your health, and you are more likely to follow up on any health concerns or conditions while at your doctor’s office. In addition, getting an annual physical each year helps you establish a long-term relationship with your doctor.

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Who needs to get an annual physical?

You and your covered spouse enrolled in the BCBSTX Medical Plan must get annual physical to avoid the surcharge.

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I am not covered under CMC's BCBSTX PPO Plan. Do I have to get an annual physical?

You are not required to get an annual physical, as you do not pay premiums to CMC. However, because CMC cares about health, we encourage all employees and their spouses to get an annual physical every year.

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What is the deadline?

The deadline for 2020 premiums is October 31, 2019. Annual physicals occurring between November 1, 2018, and October 31, 2019, will count.

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Does my covered spouse need to get an annual physical too?

Yes. If you cover your spouse under the BCBSTX PPO Plan, he or she will need to get an annual physical by the deadline or you will pay a surcharge.

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What happens if I don’t get an annual physical?

If you do not complete an annual physical by October 31, 2019, you will pay a $50 surcharge per month. This is also true for your covered spouse enrolled in the BCBSTX PPO Plan. See the Surcharge questions below for more information.

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What if I got an annual physical in 2018?

If you got your 2018 annual physical on or before October 31, 2018, it will count for 2019 medical premiums.

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Are annual physical exams covered at 100% by CMC?

Yes, if you see an in-network doctor. Go to BCBSTX.com or contact BCBSTX at 1-877-262-7977 to find an in-network doctor.

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Do I HAVE to go to an in-network doctor for my annual physical to count?

No. If you get an annual physical at an out-of-network doctor your annual physical will still count and you will not pay the surcharge. However, if you go to an out-of-network doctor, you will pay the full cost of the visit. CMC does not cover out-of-network annual physicals.

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What if my doctor sends me to a different location to get blood work or tests done?

In order for the blood work or tests to be covered at 100% by CMC, you will need to verify that the facility and services performed are in-network and are coded as part of the annual physical.

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What if I talk to my doctor about other health concerns at my in-network annual physical?

That part of the visit may not be covered at 100%.

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How do I know if my doctor is in-network?

You should verify with BCBSTX before you make your appointment that your doctor is in-network. Go to BCBSTX.com or contact BCBSTX at 1-877-262-7977.

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How can I find an in-network doctor if I don’t have one?

Go to BCBSTX.com or contact BCBSTX at 1-877-262-7977.

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What should I tell my doctor’s office when I make my appointment?

Tell your doctor that you are making an appointment for an annual physical exam.

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How can I make sure my annual physical is coded correctly?

Before you leave your doctor’s office, request a copy of your itemized bill to verify that your visit was coded as an annual physical and keep it for your records. After your visit, check your Explanation of Benefits (EOB) to make sure it was coded as a physical history and processed correctly. It can take a few weeks after your visit for your EOB to be ready for you review. Click here to see an example EOB.

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What are the codes used for an annual physical?

Generally, codes that tie to an annual physical are:

  • New patient codes: 99385, 99386 and 99387
  • Established patient codes: 99395, 99396, and 99397

However, not all doctors use these codes.

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How do I look at my EOB?

You can find your EOB on BCBSTX.com. From the home page, click on the tab Claims Center tab. It can take a couple of weeks after your visit for your EOB to be ready to review.

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How can I tell on my EOB that my annual physical was coded and processed correctly?

On your EOB, under Service Description, you'll see Physical History if your physical was coded and processed correctly. Click here to see an example.

Remember, CMC only covers in-network annual physicals at 100%.

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What if my EOB is wrong?

If your EOB is incorrect, contact BCBSTX at 1-877-262-7977.

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What is the surcharge?

The surcharge is $50 per month per employee and spouse. This means that if you cover your spouse you BOTH will pay a $50 per month surcharge if you do not get your annual physical. Here is how it works:

IF...

You DO NOT Cover a Spouse and …
  • You get your annual physical. THEN... You will not pay a surcharge.
  • You do not get your annual physical. THEN... You will pay a $50 per month surcharge.
You DO Cover a Spouse and …
  • Both of you get an annual physical. THEN… You will not pay a surcharge.
  • Neither of you get an annual physical. THEN... You will each pay a $50 per month surcharge (for a total of $100 per month)
  • Only you get an annual physical. THEN... You will pay a $50 per month surcharge for just your spouse.
  • Only your spouse gets an annual physical. THEN... You will pay a $50 per month surcharge for just you.
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When do I start paying the surcharge if I don’t get an annual physical?

You will begin paying the surcharge in the following calendar year.

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I’m a new hire – do I have to get an annual physical?

No. If you are newly enrolled in the BCBSTX medical plan on or after January 1, 2019, you are not required to complete an annual physical in 2019. You will automatically pay the standard rates in 2020.

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Will I have to complete an annual physical in 2019 to pay the standard rates in 2020?

Yes, you will be required to complete an annual physical by October 31, 2019, to avoid the surcharge in 2020.

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These frequently asked questions (FAQs) provide only an overview of benefit changes and clarifications effective Jan. 1, 2019. The respective plan documents and policies govern your rights. You should rely on this information only as a general summary of some of the features of the plans and policies. In the event of any difference between the information contained herein and the plan documents and policies, the plan documents and polices will supersede and control over these FAQs. Commercial Metals Company expressly reserves the right at any time and for any reason to amend, modify or terminate one or more of the plans or policies described in these FAQs.

If you are a union employee, and your collective bargaining agreement (CBA) stipulates benefits that differ from CMC's national benefits offering, CMC will follow the CBA. See your local HR representative for more information.