Camunda Inc Employees

Thank you for being a part of our team. Your health and wellbeing are important to us. We are proud to offer benefits for you and your family members that demonstrates that commitment. Many offerings are available, including medical, flexible spending and dependent care accounts, life and disability insurance, and other perks.

The below information is meant to provide additional information about each of the benefits available to you. 

Please send your benefits questions to brittany.rohde@camunda.com. 

2023 Camunda Inc. Benefits

Open Enrollment for 2023 benefits will take place from November 17th to December 1st. This will be a passive enrollment for medical, dental, vision, and voluntary life insurance. Meaning, if you do not want to change your benefit elections from 2022 for you or your dependents, they will carry over to 2023. 

• Any employee who wants to participate in a FSA or Dependent Care FSA must actively elect this benefit for 2023 during open enrollment. A passive enrollment is not an option for FSA or Dependent Care FSA elections. 

Camunda offers:

There are also other perks included in each benefit that are detailed below in the Employee Benefits Guide. 

Payroll is administered semi-monthly on the 15th/last day of the month. Payroll elections can be done via Gusto.

Please send any benefits questions to: people-operations@camunda.com

2024 Camunda Inc. Benefits 

For a summary of For a summary of the 2023 benefits and costs, please see the Camunda 2023 2024 Benefit Summary.pdf.  Full summary plan descriptions will be available during open enrollment. A summary of how the plans changed from 2022 to 2023 can be found in the following document. 

The People team and EBS (our benefits broker) will be hosting an Open Enrollment meeting on November 17th at 1 pm ET to answer any questions you may have. 

2022 Camunda Inc. Benefits 

$150 Weight Loss & Fitness Reimbursement 

Ahealthyme rewards, up to $400 annually. 

Out of Network costs are not covered by the HRA. Any out of network visits will be an additional cost on top of the $250/$500 deductible. 

$150 Weight Loss & Fitness Reimbursement 

Ahealthyme rewards, up to $400 annually. 

and full details in the digital benefits guide via Lumity. Health Related Benefits are elected through Lumity.

We have selected Cigna as our medical and dental carrier in part based on Cigna's commitment to DE&I which is of the utmost importance to the experience of Camundi. 

As of April 1, 2024 the prescription formulary has been enhanced to the Performance Formulary. Additionally, the maximum allowable reimbursement for out-of-network providers has changed from 110% to 200%.  

Summary Plan Descriptions for 2024: 

Plan Document and Summary Plan Description

Medical, PPO 250

• Benefit Summary PPO 250

• SBC PPO 250

• Cigna PPO 250 Full Policy Document (updated)

Medical, HSA

• Benefit Summary HSA Cigna
• SBC HSA
• Cigna HSA Full Policy Document (Updated)

Pharmacy: 

• Performance 4-Tier Prescription Drug List

Dental: 

• Cigna Dental Summary of Benefits

Vision: 

• VSP Vision Summary of Benefits
• VSP TruHearing Hearing Aid Discount

Unum:

• Unum Short-Term Disability Summary
• Unum Voluntary Life Summary
• Unum Disability Plan Summary
• Unum Basic Life AD&D Summary
• Policy- Voluntary benefits
• Policy- STD:LTD
• Policy- Employer paid

Group Plan Numbers (for reference): 

ID Cards

*prorated based on date of hire

Useful Documents

2022 Employee Benefit Guide

2022 Benefit Summary

PPO HRA 2000 Summary of Benefits (Detailed)

PPO HRA 2000 Summary of Benefits (Limited)

PPO HSA 3000 Summary of Benefits (Detailed)

PPO HSA 3000 Summary of Benefits (Limited)

Blue Cross Blue Shield Benefits

Blue Cross Blue Shields: Reproductive Health Travel Benefit

Employee Navigator Enrollment Guide

Find a Dental PPO Provider

Find an Eye Doctor-VSP

VSP Member Welcome

VSP Extra 20% Off Flyer

VSP TruHearing Hearing Aid Discount

Winning with an HSA

What is TouchCare?

TouchCare Guide

TouchCare Resources

Online Will Preparation- SunLife

EAP Contact Information

Guide to Using ComPsych

Parental Leave Request Form

Illinois Essential Health Benefit Listing

ID Cards

Most ID cards take 10-15 business days after enrollment to arrive. If you do not receive an ID card, please reach out to Emily Harris for assistance. Cigna does not automatically mail physical ID cards. You can access your digital ID card via the myCigna member portal. Physical ID cards will be mailed if requested. This request can be placed in your myCigna member portal.
For those benefits that do not provide ID cards, your provider (doctor) will be able to look up your coverage via your SSN.

You are not required to create an online account with any of our providers, however we do find them to be beneficial. You can view claims, find providers, submit claims, view balances, and much more.

TouchCare

TouchCare equips you with a personal health assistance, that is available to provide free, confidential assistance on your healthcare choices.
Your personal health assistance can help with: benefit navigation, bill negotiation, cost comparison, provider search, RxCare, ancillary benefits, and more!

You can reach your Health Assistance by calling (866) 486-8242 anytime Monday –Friday from 8am –9pm EST.
You can also visit the TouchCare member portal or emailing assist@touchare.com

Express Scripts®

BCBS uses Express Scripts® for their online mail-order prescription platform. Additional information can be found in your BCBS Member portal, under "My Medications" → "Express Scripts®". 

BCBC Reproductive Health Travel Benefit

Given the impact and implications of the US Supreme Court overturning Roe v. Wade, BCBS has taken steps to support its members, especially those who no longer have access to abortion services in their state of residence. BCBS has developed a travel benefit for Camunda to offer to our employees who need to travel to obtain access to surgical or medication-assisted abortion services. These services will be retroactive to July 1, 2022. 

Camunda employees are eligible for an Annual Benefit Maximum of $5,000. Please note that employees must satisfy the plan deductible before this benefit takes effect. See below for additional information about the Reproductive Health Travel Benefit.

Category

Additional Resources 

Welcome to Cigna Brochure- 2024

Cigna One Guide Pre-Enrollment Flyer

Transitioning to Digital ID Cards

2024 Wellness Resources

Cigna EAP Flyer

Unum EAP Flyer

Cigna and weight management support

SaveOn Copay Assistance

What is SaveOnSP?
SaveOnSP is a company that helps plan sponsors and participants reduce the high cost of certain specialty medications. They offer services to implement a copay assistance benefit that is compliant with Affordable Care Act (ACA) requirements. The copay assistance benefit leverages manufacturer copay assistance to help plan participants overcome financial barriers and adhere to their specialty medication treatment.

How the SaveOnSP Program Works

1. SaveOnSP classifies certain specialty medications as non-essential health benefits under ACA rules. This allows higher cost-sharing to apply without the costs counting towards the participant's deductible or out-of-pocket maximums, resulting in overall savings for the plan. 
2. SaveOnSP partners with the plan's specialty pharmacy to administer the copay assistance benefit. Participants are directed to SaveOnSP, who helps them enroll in the manufacturer's copay assistance program to lower their out-of-pocket costs.
3. After an employee enrolls, the standard Cigna pharmacy claim is processed, then the patient responsibility amount is billed to the manufacturer for copay assistance. 
4. Once manufacturer funds are applied, Cigna re-adjudicates the claim to lower the employee's actual out-of-pocket cost through their out-of-pocket adjuster program.

How to Enroll in SaveOnSP
Camunda employees can contact SaveOnSP directly at 1-800-683-1074 to enroll in the program and apply for copay assistance. Cigna strongly recommends having each Camundi contact the SaveOnSP team directly to enroll and get their individual questions answered about the program.

SaveOnSP Contact Information

For plan participant assistance, contact SaveOnSP at:
Phone: 1-800-683-1074
Hours: Monday — Thursday 8:00AM — 11:00 PM EST, Friday 8:00 AM — 9:00 PM EST

For pharmacy assistance, contact SaveOnSP at:  
Phone: 1-833-955-3404

Cigna Travel Health Benefit

Cigna's travel health benefit offerings can be found in the table below. Additional details regarding cost, travel radius, covered travel expenses, providers, and claim reimbursement can be found here.

Lumity 

Benefits Management is maintained via Lumity with the goal of enabling the best possible experience in benefits selection and support. 

Benefits Administration Platform

All US Camundi can Log into Lumity via Okta. 

Lumity Mobile App via Plan Year

Access your medical, dental & vision ID cards and high-level plan details - anywhere, anytime. A health insurance advocate is only one-click away (for benefit questions and claims assistance).

Lumity digital ID cards become available on your plan effective date or shortly after the insurance carriers process your benefit elections (for New Hires / Qualifying Life Events).

In 2024 Lumity migrated to a new app (PlanYear) for a more comprehensive digital experience. 

Getting Started with the PlanYear App:

1. Registration: Click on the registration link in the invitation email from your mobile device. You'll be directed to complete the registration process.  For more detailed instructions, please refer to the attached pdf document.
2. Set Your Password: Create and confirm your password to secure your account.
3. Select Your Insurance Plans: Easily choose the medical, dental, and/or vision plans you're enrolled in.  If you do not remember which plans you are enrolled in, please email or call Lumity support at support@lumity.com or 1-844-2LUMITY
4. Access Benefit Resources: Explore the app to view detailed benefit information, access your ID cards, and discover additional resources.
5. Add Dependents:
   1. Invite dependents to join the mobile app.
   2. If any dependents aren't listed, add them manually by entering their name and email.
   3. They will receive a registration email just like you did.

Additional information on Lumity's mobile app can be found here. 

Lumity Support

Concierge benefits support including 1:1 Benefit Consults (virtual calendar available for scheduling).

Lumity Support is here to help with:

• ID cards
• Selecting a health plan that best meets your needs
• Requesting “Continuity of Care” (when switching medical carriers, certain situations qualify for a transitional period where the new health plan would treat medical bills as if you received in-network care)
• Navigating “Prior Authorizations” (medical & prescriptions)
• Understanding spending accounts such as HSA and FSAs
• Finding in-network doctors/providers
• Getting answers to pharmacy coverage questions
• Expediting carrier enrollment for urgent situations
• Navigating insurance claims issues/denials
• Addressing domestic partner benefit questions
• Submitting a qualifying life event (new baby, marriage, divorce, etc.)
• Resetting passwords (for systems we have access to)
• Learning how to enroll in COBRA
• And more...

How to Contact Lumity Support

There are 3 ways to reach Lumity Support:

1. Call 1-844-2-LUMITY (1-844-258-6489)
   1. For immediate assistance and the fastest response, call during business hours:
      Monday - Friday, 6AM - 5PM PT / 9AM - 8PM ET (excluding national holidays)
      
2. Email support@Lumity.com
   
3. Via the Lumity Mobile App

You can also schedule a 1:1 Benefits Consultation from Camunda’s digital benefits guide or through the Lumity mobile app.

For a preview of the service you can expect, we invite you to check out this 2-min welcome video from Lumity’s support team.

Qualifying Life Events

Qualifying Life Events need to be submitted into Lumity within 30 days of the event.

The list of Qualifying Life Events can be found below.

• Loss of other Coverage
• Turning 26 and losing coverage through a parent’s plan
• Marriage
• Divorce
• Birth or Adoption of a Child
• Death in the Family

Additional information on Qualifying Life Events can be found here.

Submitting a Qualifying Life Event in Lumity

1. Log into Lumity via Okta
2. Select the green "Update Benefits" button
3. Select the "Life Event" option and make any changes.
4. Once submitted, the People Ops team will be notified, and your benefits will be approved and updated in Gusto based on the effective date of your change by Emily Cady.
   1. If the effective date is backdated, you will see additional deductions taken from your next pay cycle based on the contribution changes in your event.

Updating Health Account Contributions

HSA

• HSA contributions can be updated at any point throughout the year. To update your contributions, please follow the steps below.
• Log into Lumity via Okta.
  • Select "Update Benefits" → "Health Accounts" → enter your updated contribution.
• Any HSA contribution changes will be effective in the following pay cycle.

FSA

• FSA contributions can only be updated during Open Enrollment or if you experience a Qualifying Life Event.

Dependent Care FSA

• Dependent Care FSA contributions can only be updated during Open Enrollment or if you experience a Qualifying Life Event.

At-Home COVID Test Coverage

We anticipate additional updates to this process in the coming weeks and will be sure to pass them along

Updated January 14, 2022

Blue Cross Blue Shield of Massachusetts is covering the costs of FDA-authorized, rapid, at-home COVID tests for commercial members for the duration of the federal public health emergency, in accordance with the federal government’s new guidance, effective Jan. 15, 2022.

In line with the guidance, we will cover up to eight self-administered at-home COVID tests per commercial member per month for personal, diagnostic use, without cost-share and without any need for prior clinical assessment. The coverage is not retroactive and will not apply to any test kit purchases made prior to Jan. 15.

Starting Jan. 15, eligible members can download this form, print it out and mail or email it to the addresses listed on the form. Members should save copies of their receipts, which may be requested at a later time.

Blue Cross is creating a national preferred pharmacy network that will initially include over 20,000 retail pharmacies. In the near future, when the network is up and running, Blue Cross members will be able to go to a preferred pharmacy, such as CVS or Walmart, and obtain certain authorized tests for $0. For members who buy different tests or tests outside this preferred pharmacy network, Blue Cross will reimburse up to $12 per test ($24 for a box of two).

Temporarily, until the network of preferred retail pharmacies is active, Blue Cross will reimburse for the full cost of any FDA-authorized, self-administered test bought at any retailer that typically sells COVID tests.

We will provide more information via our website in coming days. In the meantime, if you purchase an at-home test kit on or after Jan. 15, please save copies of your receipts, download the above form and submit it, or make a claim online via our new system next month.

Blue Cross continues to cover FDA-authorized COVID diagnostic tests, such as PCR tests, with no cost share for any member when ordered or administered by a health care provider following an individualized clinical assessment. This applies to all commercial and Medicare members.

The health of our members is our priority, as always. We are working to implement this new coverage for over the counter at-home COVID tests as quickly and simply as possible. We expect our processes to continue to evolve. We will keep our members informed as we progress.

Additional Information

Link to below announcement: At home Covid test coverage | Blue Cross Blue Shield of Massachusetts (bluecrossma.org)

Link to BCBS Coronavirus Resource Center: Coronavirus Resource Center | Blue Cross Blue Shield of Massachusetts (bluecrossma.org)

401(k) Employee Retirement Plan

Camunda Inc employees have the option are eligible to participate in the 401(k) retirement plan. Camunda matches 100% of employee contributions up to the first 6% of pay and offers both Traditional and Roth 401(k) plan types. This match has no vesting period, and contributions are made per pay period.

Employees become eligible to participate on their date of hire. All employees are auto-enrolled into the plan at a deferral rate of 2% of total compensation for the traditional 401(k) plan. Employees may choose to opt out of the auto-enrollment to receive a refund within 90 days.

Employees will receive an automated email with instructions for enrolling or declining. Employees will be automatically enrolled if they do not decline or enroll themselves. 

Our plan is managed by Guideline:   https://www.guideline.com

If an employee leaves Camunda and has a balance of between $50.01 and $5,000 they will be automatically rolled over to a Guideline IRA. 

Medicare- Creditable Coverage 

Notification for Medicare eligible policyholders that our prescription drug coverage is “creditable coverage”.

• 2023 Model Creditable Coverage Disclosure Notice

What is Creditable Coverage?

Creditable means that our employer medical plan coverage is expected to pay on average as much as the standard Medicare prescription drug coverage.

We have confirmed that our medical plans are creditable.