About Your Benefits
	Medical Plan
	Prescription Drug Plan
	Dental Plan
	Spending Accounts
	Life Insurance Plan
	Long-Term Disability Plan
	Retirement Savings Plans
	Choice Time (CT) Cash-Outs
	Employee Assistance Program (EAP)
	In most cases you cannot make changes to your benefit elections during the year unless you have a change in family or employment status—what the IRS calls a "qualifying event." Find out more...

Healthy Decisions is the new name of your comprehensive benefits program. It's a different way of thinking about your health and your health care. By integrating Healthy Decisions into what you do everyday, your health, your career, your finances and your family life will thrive.

CMMF is proud to introduce a robust set of tools and resources to help you and your family make Healthy Decisions about enrolling in—and using—your benefits. Research, analysis and planning usually lead to good decisions. Therefore, you should review your benefits information carefully to make sure you and your family are getting the most out of the valuable programs CMMF offers to you, including:

• Medical Plan
  The CMMF medical plan provides you and your eligible dependents with low-cost access to quality health care, extensive resources and valuable tools to help you and your family get medical support and services. Prescription Drug Benefits are also provided.

• Dental Plan
  CMMF offers you a comprehensive Dental Plan that covers diagnostic and preventive services, basic restorative services, major restorative services and orthodontia.

• Spending Accounts
  Spending accounts let you set aside money from your paycheck on a pre-tax basis, and then use the money to pay for eligible health care and/or dependent care expenses.

• Life Insurance
  Our life insurance plans include generous basic, supplemental and dependent life
  insurance programs to meet your family's needs.

• Long-Term Disability Insurance
  CMMF provides disability benefits to help you and your family cope with loss of your
  regular income if sickness or accident prevents you from working.

• Choice Time (CT) Cash-Outs
  CMMF allows you to "cash out" up to 80 hours of choice time—holidays, personal time
  and vacation time.

• Other Benefits
  CMMF provides you with much more than the basic benefits package. Your benefits also
  include the following:

  • Retirement Plans
  • Vision Care Plan
  • Accident Insurance
  • More...

Select one of the links in the upper right-hand corner to get more details about some of your
benefits plans.