Eligibility:
As a Muscogee (Creek) Nation Employee you are eligible to participate in the health benefits plan if you have completed 90 days of employment.

The following employees are not eligible to participate in this plan:
* non full-time permanent employees and Indian Health Services employees.

Enrollment Dates:
When you have met the eligibility requirements, you may enroll in the plan on the first day of the following month.

HEALTH INSURANCE BASIC SUMMARY OF BENEFITS:

$200 Calendar Year Deductible per individual
maximum of three (3) deductibles per family

$10 in network office visit co-pay
does not apply to deductible or out of pocket maximum
covers services performed & billed in the network doctor's office

Coinsurance: 90% in network & 80% out of network
in & out of network have common deductible & coinsurance maximum

Maximum out of Pocket: $700-single or $2100-family
out of pocket maximum does not include office visit or prescription co-pays

Lifetime Benefit Maximum $1,000,000 per person

Preferred Community Choice PPO Provider

Prescriptions: $10 for generic & $25 for name brand (30 day supply)
(if employee elects name brand when generic is available, employee pays $25 plus difference between generic and cost of name brand)

Vision: Screening annually, new lenses annually, new frames every two years

Group Life, Dental & Short Term Disability remain the same.

Important phone numbers:
Precertification- Medical Information Services 1-800-749-6171
Benefit Verification & Claims-ADMIN ONE 1-800-967-2077

Employee Contributions:
As a Muscogee (Creek) Nation Employee you may contribute from 1% to 20% of your eligible compensation by making pre-tax salary deferrals through regular payroll deductions, up to the current IRS maximum of $13,000 per year.

The Muscogee (Creek) Nation may make a matching contribution in a discretionary amount to be determined by the Employer. The Muscogee (Creek) Nation may make matching contributions each payroll. To receive the matching contribution, you must be contributing to the plan. The Muscogee (Creek) Nation's current match formula is 100% of your salary deferral contributions up to 4% of your eligible compensation.

Vesting:
Vesting refers to your right to a benefit under the plan. You are 100% vested in your own contributions and any rollover contributions you make to the plan, as well as any earnings on those contributions. You are 100% vested in Employer contributions and any earnings on those contributions.