Welcome
Welcome to your 2023 Virtual Benefits Fair! Check out what's new for 2023, visit the vendor booths and enter to win raffle prizes! Our benefit providers have loaded up their booths with new and helpful information so you can choose the best plan options for yourself, your family and your beloved pets.
Open Enrollment: 11/04/22 through 11/15/22
Enter Our Raffle!
See raffle booth for details
QUESTIONS?
EMAIL:
2023 VIRTUAL BENEFITS FAIR
Main Exhibition Hall
Click on a booth to visit
2023 VIRTUAL BENEFITS FAIR
Blue Shield Medical Plans
CMG Financial provides employees and their eligible dependents with comprehensive medical plan options that are affordable, offer high-quality care, and include programs to support both your physical and mental health.
CMG Financial offers two medical plans through Blue Shield of California: a PPO Plan and Qualified High Deductible Health Plan (QHDHP). Both plans provide comprehensive benefits and a NEW Teledoc Behavioral Health feature! Both plans provide you with a broad national network of hospitals and physicians in every state throughout the United States.
QUESTIONS? 855-599-2650 5am to 7pm PST
Blue Shield Summary of Benefits Coverage
Blue Shield Benefit Summaries
NEW! Blue Shield Teledoc
NEW! Wellvolution
2023 VIRTUAL BENEFITS FAIR
CVS Caremark Pharmacy Benefits
(For Blue Shield Medical Plans)
NEW for 2023 – Prudent Rx and Drug Savings Program!
When you enroll in a Blue Shield medical plan, you will automatically be enrolled in the CVS Caremark Prescription Drug Program, which offers a national network of pharmacies (including, but not limited to CVS pharmacies) near you. Filling your prescriptions at a pharmacy in the network will ensure you do not overpay for medications, and you can decide the most convenient way to fill your prescriptions – with options like contactless delivery to your door or pickup at a pharmacy in our network. The choice is yours!
For additional savings, sign up for mail-order delivery for those medications you take regularly and get a 90-day supply. There is no delivery fee, and you can save money!
Remember to use your Health Savings Account (HSA) or Flexible Spending Account (FSA) debit card to pay for prescription drugs with pre-tax dollars at the pharmacy or through the mail-order program.
QUESTIONS? Caremark.com | 866-414-5256
2023 VIRTUAL BENEFITS FAIR
Health Equity Health Savings Account
A Health Savings Account (HSA) is a savings account that belongs to you and paired with the Blue Shield QHDHP $3,000/$5,000 plan. It allows you to make tax-advantaged contributions to a savings account to pay for current and future medical expenses for you and your dependents. Contributions to the HSA are tax free for you whether they come from you or CMG.
HSA plans typically cost less per pay period than other medical plans so the money you save on premiums can be put into your HSA. Unused money in your HSA will roll over, earn interest, and grow tax free over time. Monies remaining in an HSA account are yours even if you leave your job, change plans, or retire.
QUESTIONS? healthequity.com | 877-857-6810
2023 VIRTUAL BENEFITS FAIR
Kaiser Medical Plans
CMG Financial offers Kaiser HMO Medical Plans in California, Colorado, Hawaii, Oregon, Washington, and the Mid-Atlantic States. Kaiser Medical Plans are a one-stop shop offering medical care, preventive health services, prescription, and pharmacy benefits (typically all located on the same premises). All services must be obtained at Kaiser facilities and/or at Kaiser Hospitals. Our Kaiser Plans offer comprehensive benefits and convenience to members.
QUESTIONS? www.kp.org
2023 VIRTUAL BENEFITS FAIR
HMSA Medical Plan (Hawaii Residents Only)
Hawaii Medical Service Association (HMSA) is a non-profit health insurer in the state of Hawaii. HMSA was founded in 1938, is an independent licensee of the Blue Cross Blue Shield Association, and is the largest insurer in the state of Hawaii serving more than 700,000 people.
CMG offers a PPO (Preferred Provider Organization) Medical Plan through HMSA. This plan provides quality care from your choice of doctors and specialists and care at Hawaii’s top hospitals. It is freedom of choice and peace of mind for when you need it most.
Please note that the HMSA Plan is only available to residents of Hawaii.
QUESTIONS? www.hmsa.com | 808-948-6079
2023 VIRTUAL BENEFITS FAIR
Life Insurance and Accidental Death & Dismemberment Coverage
Life Insurance is an important part of your financial wellbeing, especially if others depend on you for support. CMG provides employees with basic life and accidental death and dismemberment insurance coverage at no cost to employees. The policy benefit amount is $50,000 and coverage is automatic; but employees must designate a beneficiary. Did you experience a life event this year (marriage, divorce, birth)? If so, please review and/or update your beneficiary information accordingly.
Employees may choose to purchase supplemental coverage during open enrollment at affordable group rates. Rates are based on the employee’s age and the coverage amount elected.
QUESTIONS? HRBenefitsTeam@cmgfi.com
Disability Plans
Should you experience a non-work-related illness or injury that prevents you from working, disability coverage acts as income replacement to protect important assets and help you continue with some level of earnings. Benefits eligibility may be based on disability for your occupation or any occupation.
While some states offer state disability programs/benefits, there are many states that do not offer disability benefits. If you live in a state with a state disability program, Prudential will reduce (offset) your total payment amount from them by any amount you are eligible for through your state program.
2023 VIRTUAL BENEFITS FAIR
Supplemental Insurance
Colonial Life provides employees with supplemental insurance options to complement their CMG benefits. Employees can elect any of the supplemental coverage options and the premium costs can be made through payroll deductions. Enrollment is voluntary and can be canceled at any time.
Insurance Options include Accident Insurance, Cancer Insurance, Hospital Confinement Indemnity Insurance, Critical Illness Insurance, Short-Term Disability, Term Life, or Whole Life Insurance options.
QUESTIONS? Brittany.Lloyd@coloniallifesales.com and/or Brian.Lloyd@coloniallifesales.com | 925-759-6027
Disability Insurance
Accident Insurance
Cancer Insurance
Life Insurance
Critical Illness Insurance
Hospital Confinement Indemnity Insurance
2023 VIRTUAL BENEFITS FAIR
Guardian Dental Plans
Good oral hygiene is important to avoid dental cavities and gum disease. Did you know that poor oral hygiene has been linked to heart disease, cancer, and diabetes? Regular dental care is an important part of caring for your overall health, and keeping your teeth fit may protect you from major expenses in the future.
CMG Financial has partnered with Guardian Dental, one of the largest carriers, to provide our employees and their families with excellent dental coverage. We offer two Dental PPO Plan options: Base Plan or Buy-up Plan to choose from. The Buy-up Plan offers orthodontia coverage for adults and children. Compare the plans to determine the best coverage for your family. If you have an FSA account, or Limited FSA Account, you can use your FSA debit card to pay for eligible dental costs like your deductible or copay.
QUESTIONS? www.guardianlife.com | 800-541-7846
2023 VIRTUAL BENEFITS FAIR
Vision Plan
Vision examinations are something we tend to put off after medical appointments and dental care; but, given the amount of time we stare at our phones, computer monitors and laptops, the more we need to prioritize our vision health. Regular eye examinations can determine your need for corrective eyewear and detect other health issues.
CMG Financial has partnered with VSP to offer comprehensive vision coverage for adults and children. Our plan offers coverage for exams, lenses, frames, contact lenses and laser vision correction. VSP has a nationwide network of eye doctors and members have access to VSP exclusive member savings!
QUESTIONS? www.vsp.com | 800-877-7195
2023 VIRTUAL BENEFITS FAIR
Flexible Spending Accounts
CMG Financial offers several pre-tax accounts that enable employees to pay for eligible health expenses tax free. These Flexible Spending Accounts (FSAs) are administered by Navia Benefits and employees that enroll can save between 30-40% on health and dependent care expenses.
Flexible Spending Accounts:
- Health Flexible Spending Account – for medical/Rx/dental/vision expenses
- Dependent Care Reimbursement Account – for daycare expenses
- Limited Purpose FSA – for dental/vision expenses if enrolled in QHDHP
QUESTIONS?
www.naviabenefits.com use company code: CFL | 866-414-5256
2023 VIRTUAL BENEFITS FAIR
Commuter and Transit Plans
The GoNavia Commuter Program is designed for employees that use public transportation (subway, train, bus, ferry, etc.) to commute to and from work. It also benefits employees that pay to park near or at their work location.
The GoNavia Commuter Benefit program allows employees to pay for work-related parking and transit expenses using pre-tax dollars. This is a month-to-month benefit that allows you to make changes or opt in and out of the benefit at any time based on your transit or parking needs for the upcoming months.
How does it work? Participants register directly on the GoNavia website and place orders for monthly transit and parking needs. The order amount will be deducted from your paycheck pretax and loaded onto a Navia benefits card. You can then use the Navia benefits card, in place of a personal debit or credit card, to purchase services at any transit or parking facility that accepts Mastercard.
Note: This plan does not reimburse for gasoline, mileage, tolls, or other expenses associated with commuting to and from work. It is designed to encourage use of public transportation
QUESTIONS?
www.naviabenefits.com use company code: CFL | 800-669-3539
2023 VIRTUAL BENEFITS FAIR
Pet Insurance
My Pet Protection pet insurance from Nationwide is a reimbursement indemnity plan for dogs and cats. This means Nationwide reimburses members a portion of eligible veterinary expenses related to accidents, injuries and illnesses. We also insure coverage for birds and exotic pets like reptiles and small mammals. Avian and exotic pet plans are available only by phone.
Rates are determined by the type of pet as well as the coverage chosen. Monthly premiums can be taken via payroll deduction for easy payment.
QUESTIONS? PetsNationwide.com enter CMG Financial | 877-738-7874
2023 VIRTUAL BENEFITS FAIR
Employee Assistance Program
Personal issues can affect every aspect of your life and that's why, CMG provides a free Employee Assistance Program (EAP) through ComPsych for you and your dependents. Call the EAP 24/7 for unlimited assistance with almost any personal matter you may be experiencing. Each family member has access to three free consultations with a licensed clinician per incident, per individual, per calendar year. Services include legal services, financial services, identity theft recovery services, and various needs assessments and/or referrals for childcare and eldercare.
QUESTIONS?
www.guidanceresources.com | 800-311-4327
2023 VIRTUAL BENEFITS FAIR
Financial Services
Spectrum Credit Union is a not-for-profit financial institution dedicated to providing its members personal service and highly competitive rates.
As a member of Spectrum Credit Union, you get high-quality, affordable, customized financial services. You know that you're part of a community and your money is protected. These are commitments we make as your trusted credit union.
But we don't stop there. What’s life without a little fun? What's a credit union membership without some extra perks? Check out our member rewards and perks at: https://www.spectrumcu.org/become-a-member/member-perks/.
QUESTIONS? Bcraig@spectrumcu.org | 510-627-5058
2023 VIRTUAL BENEFITS FAIR
Retirement
NEW! 2023 401(k) Limits
- The contribution amount is between 1% and 100% of your eligible compensation or $22,500, whichever is less.
- Participants turning age 50 or older in 2023, may contribute an additional $7,500.
- The total 401(k) contribution amount is $30,000.
Empower
Empower is a retirement plan record-keeping financial holding company that administers CMG’s 401(k) Retirement Plan. Our 401(k) Plan is a retirement savings plan designed to allow eligible employees to supplement any existing retirement plan and pension benefits by saving and investing through a voluntary salary contribution. Contributions and any earnings on contributions are tax deferred until money is withdrawn. Check out your investment and contribution options for 2023!
QUESTIONS? empowermyretirement.com | 800-338-4015
Morgan Stanley
CMG's partnership with Morgan Stanley provides you with professional financial and investment advice at no additional cost. Should you have any questions regarding your investment or retirement savings strategy, please feel free to reach out to our representative.
Check out your investment and contribution options for 2023!
Enrolling in Your 401(k) Plan
Empower's App Experience
Boost Your Retirement Savings
Empower's Web Experience
2023 VIRTUAL BENEFITS FAIR
Benefits Broker
As the benefits broker for CMG Financial, Willis Towers Watson offers a benefits helpline to serve as your benefits advocate and liaison with the insurance carriers. Reach out to the WTW benefits helpline if you need help with a complex claim issue or getting a medical case manager assigned to help navigate your medical treatment plan options (within the healthcare system) when multiple doctors and/or treatments are involved.
The benefits helpline is available Monday through Friday, 8:30a.m. – 5:00p.m. Pacific Time
QUESTIONS? CMGFinancial@willistowerswatson.com | 888-777-3379
2023 VIRTUAL BENEFITS FAIR
HR Benefits Team
Welcome to the HR benefits department, where our primary focus is to offer competitive benefit programs that positively affect and protect the lives of CMG employees and their families! Employees are our customers.
The HR benefits team is responsible for the design, implementation and administration of all benefits under the umbrella of health and welfare programs. We're here to help you navigate and maximize the benefit options available to you and your family. We're also here to help educate employees on the importance of saving for retirement.
Please reach out to the team any time you have benefit questions or need benefit assistance.
2023 VIRTUAL BENEFITS FAIR
Raffle Prizes!
Our insurance carriers and vendors have graciously donated raffle prizes for our benefits fair! Enter to win by completing the raffle entry form located in the lobby. Winners will be randomly selected.
Want more chances to win?
Attend one of the webinars (see dates below) or complete your enrollment (on or before 11/11/22) and you will automatically be entered to win a gift card!
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November 2: benefit webinar at 12pm Pacific Time
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November 3: benefit webinar at 10am Pacific Time
Raffle winners will be announced after open enrollment has closed.
*Prizes subject to change
