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. Camunda offers:

• Medical via BCBS in 2023 and Cigna in 2024
  
  • For the HSA plan, there is a Camunda contribution of $2,000 for individuals/$4,000 for families annually prorated based on hire date.
• Dental via BCBS in 2023 and Cigna in 2024
• Vision via VSP
• Flexible Spending Accounts and Dependent Care Flexible Spending accounts via Health Equity
• Basic Life/ADD & Disability via SunLife in 2023 and Unum in 2024
• Voluntary Life/ADD via SunLife in 2023 and Unum in 2024
• Employee Assistance Program via SunLife through ComPsych in 2023 and Unum in 2024
• 401(k) (including a match with instant vesting!) via Guideline

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 your benefits questions to: people-operations@camunda.com

2024 Camunda Inc. Benefits

Open Enrollment

Open Enrollment for 2024 benefits will take place from November 15th to November 27th. This will be a passive enrollment for medical, dental, vision, and voluntary life insurance. While we have a new carrier for 2024, the plan types will stay the same (but with some coverages changed). Meaning, if you do not want to change your benefit elections from 2023 for you or your dependents, they will carry over to 2024. The effective date of the 2024 benefits is January 1, 2024.

• Any employees who want to participate in an FSA or Dependent Care FSA must actively elect this benefit for 2024 during open enrollment. A passive enrollment is not an option for FSA or Dependent Care FSA elections.

For a summary of 2024 benefits and costs, please see the Camunda 2024 Benefit Summary and full details in the digital benefits guide via Lumity. A summary of how the plans changed from 2023 to 2024 can be found in the following document.  

The change in carriers has allowed us to enhance our benefit offerings while keeping costs the same for employees in 2024. Cigna also has a commitment to DE&I that is of the utmost importance to the experience of Camundi. We understand that a carrier change may impact your current providers. For any questions relating to the impact of the new plans, please feel free to reach out to support@Lumity.com as they are available to support you.

The People team and Lumity (our benefits broker) hosted an Open Enrollment meeting on November 17th at 2:30 pm ET to answer any questions you may have. This session has been recorded and can be found here. 

Changing Medical Carriers

Below is additional information regarding how to ensure a smooth transition is in place to change carriers to Cigna for 2024. If you have any questions, please reach out to People Operations or Lumity Support. 

Resubmit any “Prior Authorizations” you have in place
Medical procedures and prescriptions that require prior authorization can vary from carrier to carrier. The service provider or prescribing doctor must get this approval from your new carrier. Be sure to plan ahead.

Ensure your doctor is in-network
It’s always a good practice to verify your providers are in-network.

Request “Continuity of Care”
If your current doctors or providers are no longer in-network, certain situations may qualify for transition of care.

• If your request is approved, you can continue to see your doctors for a transitional period only (not forever)
• Your new health plan would treat these medical bills as if you received in-network care

Prior Authorization for Prescriptions

Drugs that require prior authorization may vary from one insurance carrier to another. So, now is a good time to be proactive and check your new health plan’s Prescription Drug List (PDL).

Prior authorization for prescription is a doctor-insurance matter, not your pharmacy. And the process typically takes days, not hours. Your doctor will need to contact your health insurance to initiate the process.

Examples of prescriptions that may require prior approval:

• Brand name drugs when a generic is available
• Drugs that have dangerous side effects
• Drugs that are harmful when combined with other drugs
• Drugs that you should use only for certain health conditions
• Drugs that are often misused or abused
• Drugs that are usually covered, but at a higher than standard dose
• Drugs that are not covered by your insurance but deemed medically necessary by your doctor

Voluntary Life- Unum, 2024

If you have prior approval for a benefit amount over the guaranteed issue, this will be automatically approved through Unum regardless of the carrier change. Meaning, you will not be required to complete a new EOI form. 

Summary Plan Descriptions for 2024: 

Cigna PPO 250 Summary of Benefits

Cigna PPO HSA Summary of Benefits

Cigna Dental Summary of Benefits

VSP Vision Summary of Benefits

Note: Full summary plan descriptions will be available from Cigna in February 2024. 

Group Plan Numbers (for reference): 

ID Cards

Effective beginning in January 2024, Cigna will no longer 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.

Cigna Wellness 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 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.

2023 Camunda Inc. Benefits

For a summary of the 2023 benefits and costs, please see the Camunda 2023 Benefit Summary. A full benefits overview can be found in the 2023 Employee Benefit Guide. Health Related Benefits are elected through Lumity.

Lumity

The People Team is excited to announce that we will be migrating our benefits administration platform from Employee Navigator to Lumity starting on April 1, 2023! In line with the company theme of empowerment for speed, we have selected this new system to ensure a focus on our customers (in this case our employees!) by enabling the best possible experience in benefits selection and support.

There will be a blackout period for benefits changes from Monday March 27th through Thursday March 30th while we finalize the transition from Employee Navigator to Lumity.

To create your Lumity account, you will receive an email from Flock the week of April 1st. This account will be used during open enrollment and for any qualifying life events that may happen throughout the year.

Benefits Administration Platform

Below is more information on how to create our account with Lumity via Flock. We are also working with Lumity to enable SSO as a next iteration. For reference (and for a preview of the new platform), please also see the Lumity 2.0 Employee Quick Start Guide.

Lumity Mobile App

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).

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.

Summary Plan Descriptions for 2023:

BCBS PPO HRA - Summary of Benefits

BCBS PPO HRA - Summary Plan Document

BCBS PPO - HSA Summary of Benefits

BCBS PPO - HSA Summary Plan Document

BCBS Dental

Group Plan Numbers (for reference)

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 Cady for assistance.
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.

Medical ID Cards for 2023

BCBS is making a change to the pharmacy benefit manager (PBM) effective January 1, 2023. Because of the PBM change, all members with pharmacy benefits will be receiving new ID cards with the information pharmacies will use to process prescriptions. BCBS has started sending those cards in 2022 to ensure members have them in hand for January 1.

PBM Transition ID Card Detail

Here’s What You Need to Know

• Members should continue to use their current ID cards until January 1.
• Starting January 1, members can dispose of their old ID card and use the new card.
• Members using the digital ID card on MyBlue will see the new card starting January 1. MyBlue Member App FAQ
• Pharmacies have been told about the PBM change and will have the necessary information to process prescriptions both before and after January 1.
• If members are impacted by any other changes (ex: change to mail service pharmacy), they will be receiving letters from BCBS in November letting them know what they need to do.

For more information about the PBM change, you can visit bcbsma.info/pharmacyupdate.

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.

BCBS 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.

401(k) Employee Retirement Plan

Camunda Inc employees 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.

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.

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)

Link to BCBS Reimbursement form: COVID-19 at-home test reimbursement (bluecrossma.com)

Useful Documents

Blue Cross Blue Shield Benefits

Blue Cross Blue Shields: Reproductive Health Travel Benefit

Find an Eye Doctor-VSP

VSP Member Welcome

VSP Extra 20% Off Flyer

VSP TruHearing Hearing Aid Discount

Winning with an HSA

Online Will Preparation- SunLife

EAP Contact Information

Guide to Using ComPsych

Illinois Essential Health Benefit Listing

HSA Tax Forms- Video

2023 Model Creditable Coverage Disclosure Notice