Business Essay

5645 words - 23 pages

Bank of America

2012 U.S. Benefits Summary
This document is intended as an overview only and does not describe all eligibility restrictions and benefit limitations. All programs and benefits are subject to change at any time. For detailed information on your Bank of America benefits available to employees in the U.S., refer to the Benefits & Pay tab on Flagscape® or the most recent edition of the Associate Handbook, also available on Flagscape. Additional sources of information are listed in the benefits resources section of this booklet. If there is a difference between this brochure and what is written in the benefits policies or plan documents, the policies or plan documents will ...view middle of the document...

Note: Some benefits such as supplemental life insurance are subject to evidence of insurability. Additionally, specific eligibility rules apply for re-hired retirees. Please see Appendix (page 12). In most locations, you can choose from the Aetna Comprehensive Traditional Plan or Aetna Comprehensive High Deductible Plan. Both plans provide coverage for eligible medical services (like doctor’s office visits, specialist care or a hospital stay), coverage of preventative care at 100%, prescription drugs, mental health and substance abuse. Both plans use the same network, offer protection from unexpected health care expenses and allow the flexibility to use out-ofnetwork providers. The difference is in how you pay for care:  Comprehensive Traditional Plan costs more from your paycheck in exchange for generally lower costs when you receive care.  Comprehensive High Deductible Plan costs less from your paycheck. Instead, you generally pay more when receiving care. Depending on where you live, you may be eligible for the Kaiser Comprehensive Traditional Plan, HMSA Hawaii PPO Plan, Triple-S Salud Plan, Aetna Out-of-Area Plan or Aetna International Health Plan. If you are eligible for one of these plans, check your Health Plan Comparison Charts for more detailed information. Your Enrollment Worksheet shows the plans for which you are eligible. You have access to the following dental plans  Aetna Dental Preferred Provider Organization (PPO)  Aetna Dental Maintenance Organization (DMO) for employees in eligible locations Employees in Puerto Rico who elect the Triple-S Salud Plan and employees in Guam and U.S. Virgin Islands who elect the Aetna International Health Plan also will have dental coverage through that plan. You may choose coverage under a single, nationwide vision plan through the Aetna Vision Plan, featuring the EyeMed Vision Care® Access provider network. The Aetna Vision Plan provides coverage for routine eye care, eyeglasses and contact lenses. You also have the option to use providers outside the EyeMed Vision Care Access provider network. Employees in Guam and U. S. Virgin Islands who elect the Aetna International Health Plan also have vision coverage through that plan Note: Depending on your vision needs, the Aetna Vision Discount Program could be a good alternative to the Aetna Vision Plan. This program uses the EyeMed Vision Care Select provider network and offers discounts on routine eye exams, eyeglasses, LASIK surgery, contact lenses, nonprescription sunglasses, contact lens solutions and other eye care accessories. All benefits-eligible employees have access to the Vision Discount Program so there is no need to enroll.



2 Revised: 9-2012

Health and Insurance
Life And Accident Insurance For you: You are provided automatically with associate basic life insurance equal to one times your annual base salary,* to a maximum of $2 million. You may purchase associate supplemental life and accidental death &...

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