CEBT News September 2022

Notes from the Chairman

Hello CEBT Members!

I hope this newsletter finds you well as we wind down from the summer and head into the fall. The CEBT Board of Trustees held their annual summer conference in Vail, Colorado from July 18th through 20th. It was nice to have several member groups participate in-person at the meeting, as well as several groups who joined us remotely over video conferencing.

One of the highlights at the summer conference is the vendor partner presentations, hearing about product updates, trends in the marketplace and what may be on the horizon in the near or long-term future for CEBT. In addition to these presentations, there were some bigger agenda items discussed at this meeting that are worth highlighting.

The fiscal stability of the Trust was reviewed in detail. CEBT is a not-for-profit organization and as in past years when CEBT has experienced any excess unrestricted reserves, a dividend is given back to member groups based on an established criteria which includes, but is not limited to: amount of unrestricted reserves, membership date, allocations based upon number of employees with medical coverage, and employer renewal cycle. In conclusion of this review, a dividend return was approved to be distributed in 2023.

The second major agenda item, and always a crowd favorite, was a review of the January 2023 renewal rates. The overall rate renewal came in at 4.5% providing a tiered renewal structure which is based upon a groups medical adjusted loss ratio since the last renewal. If you are an employee of a group renewing in January, you should hear more about your group specific renewal information through employer held open enrollment meetings. Open enrolment dates are different for each employer group, but typically held any time between late September and mid-November.

With many topics being covered at the summer conference, I could not include a summary of all that was discussed in this short article. However, if you have any comments, questions or ideas that you would like to see covered in these newsletters, please reach out to us at CEBT! We would love to hear from you!

Ed Vandertook | CEBT Board Chair

Getting To Know The Team

Finance Department

We'd love for you to meet Joe Deba. Joe has been a team member with CEBT for 17 years and although he has had several roles in serving CEBT members throughout the years, his current responsibilities include working with CEBT's finance and accounting, which includes full cycle day-to-day finance management, strategy for CEBT’s Health & Wellness Centers, and oversight of CEBT’s virtual care benefits including Omada Health and Teladoc.

Kaellyn Norby has been a team member with CEBT for 6 years, working with Joe to ensure vendor invoices are paid timely and accurately, while also processing third-party claims payments and preparing CEBT monthly bank statements. In addition, Kaellyn maintains relationships with CEBT’s vendor partners and processes the monthly utilization reporting.

Coming Soon!

CEBT Mobile App Updates

This Fall 2022, we are launching an upgraded version of the CEBT Mobile App. Here are some exciting new features to look forward to:

• Enroll in your benefits
• Download benefit summaries
• View your current plans and dependents
• Edit demographics
• Add/edit beneficiary information
• Order/view ID cards
• Submit a question directly to CEBT staff
• Links to vendor providers

Stay tuned for more information about app availability for download on Apple and Android!

Kaiser Updates

Partnering with Cigna for out of state networks

As many have started traveling again for business trips, family visits, and vacations, the last thing you want to worry about is how to get good health care while away from home. Now you have even more ways to get care, how and when you need it - virtually and in person.

For urgent and emergency care while traveling outside the state of Colorado, CEBT members on a Kaiser plan now have access to Cigna’s PPO Network* of providers and facilities. All you need to access care is your digital ID card (available in the Kaiser Permanente app). In some locations, you may also get 24/7 care by phone or video from a Kaiser Permanente clinician.

Please see the attached flyer for more information about:

• Routine care options
• Urgent and emergency care coverage anywhere in the world
• How to find locations and coverage details

*The Cigna PPO Network refers to the health care providers (doctors, hospitals, specialists) contracted as part of the Cigna PPO for Shared Administration.

Flu Shot Clinics

Hard to believe it’s already flu shot season! The flu shot is a safe, effective way to protect everything and everyone you care about. Even better, it’s simple to get one, and has no member cost share. Everyone 6 months and older should get a flu shot every year — especially pregnant women and anyone caring for infants. You may visit kp.org/flu for the latest hours and locations for flu shots.

Easy ways to get your safe, no-cost flu shot*

1. Schedule an appointment or get vaccinated during a doctor’s visit.

• You might be able to get the flu shot and COVID-19 vaccine in one trip.

2. Walk-in at participating locations, no appointment needed.

• Sept. 1 through Nov. 30, Monday through Friday from 9 a.m. to 5 p.m., at many KP medical offices.
• Saturday walk-in options available throughout the month of October at select KP medical offices.

3. Drive-up at participating locations, no appointment needed.

• September 10, 11, 24, and 25 from 9 a.m. to 5 p.m., at select KP medical offices. Available for members 5 years old and up.

Visit kp.org/flu or call our recorded hotline at 303-344-7600 or 1-866-868-7091 to find a flu shot near you. If you still need to get vaccinated for COVID-19 or need a booster, make an appointment at kp.org/covidvaccine.

CEBT Program Events

Healthcare Bluebook: Price Is Right Winners

You may recall hearing about this fun interactive game hosted by HCBB in August. CEBT typically runs a few games a year with chances to win some awesome prizes. These games are a great way to familiarize yourself with the tool and show you just how much you can save on healthcare, plus you get reward opportunities just for playing. The August HCBB Price Is Right game had 6 randomly drawn winners, with one of the winners scoring a Yeti cooler and 5 other winners scoring $50 Amazon gift cards. That's not too shabby for a quick peek at how to potentially save money.

The prize winners for this game are from the following CEBT Employer groups:

• City of Federal Heights-Yeti Cooler!!
• Red White & Blue Fire Protection District- Amazon Gift Card
• Woodlin School District R-104- Amazon Gift Card
• Community Prep School- Amazon Gift Card
• Garfield County Public Library District- Amazon Gift Card
• City of Evans-Amazon Gift Card

Thank you for your participation! We hope you are able to save on healthcare dollars in your future. If you missed this game, keep your eye out for the next game in early in 2023 for your chance to win!

New: Debit Card Rewards

When you or a member of your household has earned a reward for having medical care performed at a Fair Price facility you will now receive a debit card in the mail. The debit cards will be replacing the paper reward checks you may have received in the past. If you have previously received a check, it is still valid up to 120 days from the issued date and should be cashed or deposited.

To earn a reward shop for your procedure using Healthcare Bluebook prior to scheduling. Use a Fair Price™ facility for your care and you could earn up to $1,500 on eligible procedures. It’s that easy!

Omada

There's a big difference between knowing how to get healthy and actually doing it. Omada can provide the support and accountability you need to connect those dots. CEBT's Omada program focuses on Prevention (Pre-Diabetes), Diabetes, Hypertension, and Musculoskeletal. Upon acceptance into one of these Omada programs - you get a personalized program, professional health coaching, a supportive peer group, and easy-to-use technology! You also get devices shipped to your house to help you on your health journey, such as a digital connected scale, blood glucose monitor, test strips, blood pressure monitor, or a free exercise kit.

If you or your family member (18+ for prevention, diabetes, hypertension programs, 13+ for joint and muscle health) are on a CEBT PPO or EPO medical plan and are eligible for any of the Omada programs offered by CEBT, your membership and connected devices are covered at no cost. Members on HDHP plans have no cost for the prevention, diabetes, and hypertension programs but will have a small fee for the Omada Joint and Muscle Health program.

Check out this 2-minute video or visit the CEBT custom website link at omadahealth.com/cebt to apply for one of the programs! You can also find more info on Omada on cebt.org.

Healthy Like Me Program

Marathon Health launched The Healthy Like Me campaign in 2014 as a way to celebrate how members have taken an active role in making significant, life-altering improvements to their health. This program encourages members who have partnered with Marathon Health to submit their success stories for chance to win $250 and have their story published and promoted. The Healthy Like Me program has continued to be a huge success with many Marathon Health members across different organizations proud to share their success stories. Submissions range from stories of weight loss, diabetes management, lowering cholesterol and even lifesaving discoveries! Click here to read some inspiring stories. While this program is open to all Marathon health clients, there have been five CEBT member winners throughout the years.

Marathon typically chooses 10 winners per quarter, and sometimes more depending on how many entries they get. Winners are chosen based on a variety of criteria including their condition, the improvements they’ve made, and where they’re located, to name a few. If your story gets chosen, you will be contacted, and your story will be promoted.

The next round of submissions for this quarter closes on October 21, 2022. If you have a success story you would like to share about an experience at one of the CEBT Health & Wellness Centers, we would love to hear about it. We encourage you to submit your story by visiting: www.marathonhealth.com/healthylikeme/.

As always, if you want to learn more about the program feel free to reach out to your CEBT Health & Wellness Center. You must be eligible for one of the six health center locations to participate. If you are unsure of your eligibility for one of the health centers, please contact CEBT Customer Service team at (800) 332-1168.

Triad Updates

September is National Suicide Awareness Month. In 2020, nearly 46,000 lives were lost to suicide, and a staggering 1.2 million attempts were made, according to the Centers for Disease Control and Prevention. The good news is that suicide can be prevented, and there is guidance for you if you are confronted with a suicidal situation.

• DIY: Suicide Prevention Month
• Often, we spend more time with our co-workers than anyone else and may notice behaviors that are not normal. The article, Preventing Suicide in the Workplace, provides insight into how to handle suicidal concerns while at work.
• Crisis Support: You are never alone. If you or a loved one need assistance, the following resources are available:
• 988 Lifeline & Suicide hotline - simply text or call 988 for 24/7 support
• Triad EAP offers 24/7 support by calling (877) 679-1100

Monthly Webinar: Open Communication: Powerful Ways to Create It: Attain skills to have open and effective communication at work and at home. Available on www.triadeap.com beginning September 20.

Register for a complimentary webinar presented by CEBT: Enneagram Level 1 - Why Some Colleagues Click and Others Clash

Do you ever wonder why Dan from Accounting is so rigid, and it feels like he is always questioning the numbers you send him? Have you ever wished more of your colleagues were like Julie - she just ‘gets you’ and you both work so well together! We have all been there, wondering and often frustrated with someone else when they do not behave how we expect them to or how we want them to. The truth is everyone is wired a little differently and has different motivations for how they approach work, life, and relationships. In this course, we will explore the basics of the Enneagram model and discover the motivations and common behaviors of the 9 types of personalities found in this model.

Register for this 60-minute training by selecting the date and time below. We encourage you to invite your entire team to participate!

• Oct. 12 at 9:00 a.m.
• Oct. 12 at Noon
• Oct. 13 at 4:00 p.m.

As a reminder, you have access to 6 confidential counseling sessions. To start the process, visit www.triadeap.com and enter the username - cebt and password – eap. Use the provider search to find a counselor within our network with whom you'd like to work with, and then call Triad EAP at (877) 679-1100 so a referral can be sent on your behalf.

988 Suicide & Crisis Lifeline

988 has been designated as the new three-digit dialing code that will route callers to the National Suicide Prevention Lifeline (known as the 988 Suicide & Crisis Lifeline), and is now active across the United States. 988 is more than just an easy-to-remember number — it’s a direct connection to compassionate, accessible care and support for anyone experiencing mental health related distress.

The 988 Suicide & Crisis Lifeline is a national network of local crisis centers that provides free and confidential emotional support to people in suicidal crisis or emotional distress 24 hours a day, 7 days a week in the United States. They're committed to improving crisis services and advancing suicide prevention by empowering individuals, progressing professional best practices, and building awareness.

When people call, text, or chat 988, they will be connected to trained counselors that are part of the existing Lifeline network. These trained counselors will listen, understand how their problems are affecting them, provide support, and connect them to resources if necessary. This new, shorter phone number will make it easier for people to remember and access mental health crisis services when in need.

Talkspace

Something on your mind? Did you know you can message a dedicated therapist anytime, anywhere?

With Talkspace online therapy, you can regularly communicate with a therapist, safely and securely from your phone or desktop. No office visit required.

Here’s how Talkspace can fit your life

• Find a therapist with an online matching tool
• Start therapy within hours of choosing your therapist
• Message your therapist whenever — no appointments necessary
• Get messages back throughout the day, five days a week
• Choose real-time face-to-face video visits by appointment, when needed
• You can also access Talkspace Psychiatry to schedule live video sessions with a psychiatrist trained in mental health care and prescription management for a tailored treatment plan

Talkspace is convenient, safe and secure

Simply register (first visit only) and choose a provider and message anywhere, anytime at talkspace.com/connect. After you register, download the Talkspace app on your mobile phone. Talkspace is supported by Chrome, FireFox, Safari or Edge browsers on your desktop computer. Talkspace is your space to use in your time.

When you login to Talkspace you can indicate that you want claims to be billed to your insurance. You will need to select UMR in the drop down area for payment. Talkspace is treated just like any other In-Network provider if you are enrolled in any of the CEBT PPO, EPO, or HDHP plans, and is covered under your plan’s behavioral health benefits. You will be required to input your credit/debit card information in the event there are any applicable copays that would need to be paid.

Maternity Benefits

Are you or your spouse currently expecting? First off, congratulations! Secondly, we have you covered.

Your first office visit to confirm the pregnancy will be subject to your office visit benefits. The rest of your routine pre-natal office visits and labs will be covered at 100% under your wellness benefits. Any ultrasounds you have along the way will be covered separately subject to your ultrasound/x-ray plan benefits. Please see the table below for your specific plan coverage:

When it comes time for labor and delivery, this will fall under the inpatient benefits:

This Plan complies with the Newborns’ and Mothers’ Health Protection Act. Prior Authorization is not required for a Hospital or Birthing Center stay of 48 hours or less following a normal delivery or 96 hours or less following a Cesarean delivery. Prior Authorization may be required for a stay beyond 48 hours following a normal delivery or 96 hours following a Cesarean section.

How will the newborn be covered?

The deductible, coinsurance, and/or co-pay will be waived for newborn charges during the initial stay (days 0-5). If for some reason it is necessary for the newborn to remain in the hospital after the mother's discharge, or to be transferred to another hospital, the admission will be subject to the deductible and coinsurance requirements. Please note: The waiver of deductible and coinsurance only applies to services incurred during the mother’s eligible stay. The newborn will need to meet his/her deductible and coinsurance for any services incurred after the mother’s discharge.

If you do not plan on adding your newborn onto your plan, a newborn child is automatically covered for the first 31 days of life in absence of other coverage under another plan. Otherwise, you have 30 days from the date of birth to add your newborn to your policy.

Any time a dependent is added to a policy, UMR likes to verify if the newborn has any other coverage. A quick call to our customer service unit can get this notice in place so claims can be processed and paid in a timely manner.

Did you know?

For CEBT PPO, EPO, HDHP and Select plans, you have access to UMR’s Maternity CARE program at no cost to you! Enroll by calling (888) 438-8105.

Once enrolled, you’ll receive one-on-one phone calls with a nurse who:

• Provides comprehensive pre-pregnancy and prenatal assessments
• Shares educational information before you become pregnant and throughout your pregnancy
• Encourages you to call with any questions or concerns and continues to reach out each trimester, and again after delivery to see how you and your baby are doing
• Sends a courtesy letter informing your physician that you’re in the program

Your CEBT plan does cover breast pumps under the Wellness Benefit, allowed once per pregnancy. For UMR members, there is no dollar limit or brand limit. If you paid out of pocket, you can submit the itemized receipt along with a claim form for reimbursement (the plan does not reimburse taxes or shipping and handling). Kaiser Plan will have a breast pump provided for you.

CEBT Wants to Hear From You

"Providing quality health benefit options at a competitive cost with superior service."

CEBT always strives to provide the best service for its members. Knowing what works great or how to improve helps to grow the relationships that are built through our partnerships. Feedback is always welcomed at CEBT.

If you have suggestions for topics or stories that you would like to see in these newsletters, please email Danitza Gline on the CEBT Communications Team at danitza.gline@wtwco.com to get your ideas published.