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2. personal finance
3. insurance
4. health insurance

2015 OPEN ENROLLMENT
November 24 - December 8, 2014
Action
Required!
For 2015 Open Enrollment:
OPEN NOW FOR
MORE DETAILS
Enroll and You Can Win!
Enroll through Mercer Marketplace today and be
entered to win:
〉〉
One $500 gift certificate
〉〉
Three $250 gift certificates
〉〉
Six $100 gift certificates
Think about what you could do with a little extra
money… maybe treat yourself to a shopping spree, a nice
dinner, or pay off that credit card — the choice is yours!
All you need to do is visit www.mercermarketplace.
com/VCAInc and enroll. Winners will be announced by
the end of December.
Answers to Your Top 3 Questions
Do I need to enroll?
YES! If you want VCA coverage for
2015, you must take action and
enroll during 2015 Open Enrollment.
That’s because we’re offering a new
approach to benefits enrollment for
2015 that includes a wide selection
of new plan offerings.
How do I know
which medical option
is right for me?
We’re offering more choices of plans,
so you can choose the one that best fits
your needs. Only you can decide which
coverage is right for you and your family.
Our new benefits partner, Mercer Marketplace,
offers great tools and resources (including
a plan comparison tool) to help you decide
which medical plan is right for you.
What will the enrollment
experience on Mercer
Marketplace be like?
One of the reasons we chose Mercer Marketplace
is because of the great online experience. That
means you won’t want to wait until the last minute
to check out the new website!
You can also call the call center at 844-801-WOOF
(9663) for enrollment help from a real, live
Mercer Marketplace representative.
2015
OPEN ENROLLMENT
You Must
Take Action!
2015 Open Enrollment is November 24 – December 8, 2014
Open Enrollment comes once a year, but your VCA benefits take care of you and your
family all year long! We’re making exciting changes to our benefits program for 2015,
so you’ll want to learn what’s new so you can choose the coverage that’s best for you.
What’s New for 2015 … Everything!
There are three important things for you to know about your benefits for 2015:
introducing a new approach to benefits enrollment for 2015 —
1. We’re
one that’s simpler and offers you a wide selection of benefit choices:
Mercer Marketplace.
Through Mercer Marketplace, you can combine traditional benefits, like medical,
dental, and life insurance, with other benefit options, like accident insurance and
critical illness coverage, to create a personalized benefits package.
Some of the benefits will be similar to your current benefits, while other
benefits will be completely new.
You’ll even be able to go to a new online enrollment site with great decisionmaking tools to help you select the right benefit plans for you and your family.
Or, you can call the Mercer Marketplace call center at 844-801-WOOF (9663)
where trained benefit professionals are ready to serve you and help you make
the right choices.
Because the plans available to you for 2015 are new, take time to review your
options carefully so you can make the best coverage decisions.
MUST enroll for all benefits during Open Enrollment. If you don’t,
2.You
you won’t have benefits coverage through VCA. Be sure to enroll by the
Why Mercer Marketplace?
Because you asked for it! We heard the
feedback from employees asking for
more choice, a better website, and better
customer service.
We feel that Mercer Marketplace can
offer all of this and more. VCA takes
pride in offering a competitive benefits
program that provides valuable care
and protection for you and your family.
Because no two people are exactly the
same, we wanted a program that offers
you the flexibility to select the best
coverage for your personal situation.
We also wanted a program that offered
financial value to both you and VCA.
After conducting careful research on
all our options, we found that Mercer
Marketplace offered the best solution to
meet our collective goals.
December 8th deadline to have coverage for 2015!
sure you have medical coverage in 2015. The Affordable Care Act — also known as health care
3.Make
reform — requires almost everyone in the U.S. to have medical coverage or pay a penalty on their income
taxes. This requirement is called the individual mandate. If you don’t have coverage in 2015, you’ll be
required to pay a penalty on your income taxes in 2016. If you enroll in a VCA-offered medical plan, you’ll
meet the individual mandate requirement for 2015.
Get Open Enrollment Updates by Phone!
If you already get text messages from VCA, you’ll receive Open Enrollment
news and reminders on your phone, related to VCA benefits.
2
A Preview of Our 2015 Benefit Options
Below is a high-level summary of the benefits that will be offered through Mercer Marketplace for 2015.
More information about each of these benefits will be provided closer to Open Enrollment.
Type of Benefit
Benefit Options Available
Vendor Partner
Cost Sharing
Medical
〉〉
Anthem PPO $800 Deductible Plan
Anthem PPO $1,500 Deductible Plan with HSA
〉〉 Anthem PPO $2,500 Deductible Plan with HSA
Anthem (for PPO plans)
VCA and employees share
the cost of coverage
〉〉
Please note: Anthem is BlueCross/
BlueShield. VCA used Anthem
before the switch to Aetna. But we
heard from many employees that
they preferred Anthem.
Kaiser HMO $800 Deductible Plan
Kaiser HMO $1,500 Deductible Plan with HSA
〉〉 Kaiser HMO $2,500 Deductible Plan with HSA
Kaiser (where available:
parts of CA, CO, DC, GA,
MD, OR, VA, WA)
Accident Insurance
Critical Illness Insurance
〉〉 Hospital Indemnity Insurance
Allstate
Employee paid
Discovery Benefits
Employee contributions
(banking fees paid by VCA)
Cigna
VCA and employees share
the cost of coverage
Standard Plan
Exam Only
VSP
VCA and employees share
the cost of coverage
〉〉
〉〉
Supplemental
Medical Insurance
(Voluntary)
〉〉
Health Savings
Account (HSA)
〉〉
Dental
〉〉
〉〉
Health Savings Account (HSA)
(compatible with $1,500 Deductible and $2,500
Deductible Plans only)
Premier DPO Plan
Standard DPO Plan
〉〉 Dental Care DHMO (not available in all areas)
〉〉
Vision
〉〉
〉〉
Disability
Coverage
〉〉
Short-Term Disability
Long-Term Disability
Cigna
〉〉
VCA pays for basic
coverage; employees pay
for supplemental coverage
Basic Life and
Accident Insurance
Coverage
〉〉
Employee coverage
Cigna
Paid by VCA (but you
MUST enroll)
Supplemental
Life and AD&D
Insurance
〉〉
Cigna
Employee paid
Other Coverage
〉〉
Flexible Spending Accounts
–– Health Care
–– Dependent Care
Discovery Benefits
Employee contributions
〉〉
Transportation Reimbursement
Incentive Program (TRIP)
Life Assistance Plan (LAP)
Identity Theft Protection Coverage
Auto and Home Insurance
Legal Assistance
Discount Mall
Discovery Benefits
Employee paid
Cigna Behavioral Health
InforArmor
MetLife
Hyatt Legal
PerkSpot
Paid by VCA
Employee paid
Employee paid
Employee paid
Employee paid
Employee coverage
Spouse/domestic partner coverage
〉〉 Child(ren) coverage
〉〉
〉〉
〉〉
〉〉
〉〉
〉〉
3
Your 2015 Costs for Coverage
As in past years, VCA will continue to pay a large portion of your
benefit costs. You’ll be responsible for any remaining cost for the
benefits you select. Details, including rates, are available on the
Mercer Marketplace website, www.mercermarketplace.com/VCAInc
(available starting November 24th).
TWO WAYS TO ENROLL
(Starting Nov. 24, 2014)
1. Online at www.mercermarketplace.com/VCAInc
Go to the Mercer Marketplace Portal beginning when Open Enrollment begins
(www.mercermarketplace.com/VCAInc) to use the enrollment tool. When you
first log on, you’ll need to select “Create an account” and identify yourself by
providing your:
〉〉
Social Security number
〉〉
Last name
〉〉
Date of birth.
Then, you’ll be prompted to select a unique user name and password that you’ll
use going forward. From there, click “Get Started” to begin the enrollment process.
2. By phone at 844-801-WOOF (9663)
Call Mercer Marketplace beginning November 24th between
7 a.m. and 10 p.m. Eastern time, Monday through Friday and
Saturdays from 10 a.m. to 3 p.m. Eastern time.. Representatives
are available if you have questions or need assistance enrolling.
Remember: You must submit elections by December 8th to have benefit
coverage for 2015. If you don’t enroll, your current VCA benefits coverage will end
December 31, 2014. Your next opportunity to enroll for coverage will be during
the 2016 Open Enrollment period, unless you have an IRS qualified life event that
makes you eligible to elect or change VCA benefits coverage.
Read this packet and visit
www.myvcabenefits.com for all the details.