Welcome, APTURA H&G Employees
Welcome, APTURA H&G Employees
Our Employee Benefits And Wellness Program
Table Of Contents
To make your life easier, click on the topics below to go directly to that information:
Annual Notices: Under federal law, we are required to provide or have available specific benefit notices for your review. All annual notices are available on our benefit administration platform or from Human Resources. If you would like to review the Annual Notices now, please CLICK HERE.
Disclaimer: This benefit guide provides highlights of the benefits available. Please request a copy of the plan certificate for additional coverage details, limitations, exclusions and restrictions. If any conflict shall arise between this document and the plan certificate, the plan certificate will govern in all cases.
OPEN ENROLLMENT AND NEW HIRE VIDEO
Welcome to our employee benefits program. We have designed a personalized video for you and your family to better understand all of the benefits offered to you.
At the same time, you’ll have an opportunity to meet the team from AHW that will be working with you. In addition to the video, we have designed the following benefit highlights to be user-friendly.
You can click on any topic you’re interested in vs having to scroll through the entire booklet.
ELIGIBILITY
Eligibility
Eligibility Definitions
Employee:
A full-time employee who is scheduled to work at least 30 hours per week
Dependent:
New Employees
As a new, full-time employee (working 30 or more hours per week), your benefits will become effective: first of the month, after 30 days, following the date you start working.
Dependents are eligible to stay on a parent’s medical plan until the day they turn age 26, regardless of student status, employment status or marital status.
You can only change your benefit selections during the plan year if you have a qualifying life event.
Spousal Exclusion
Our medical plan does not have a spousal exclusion meaning that If you have a spouse that is able to obtain coverage through his/her employer or other means, they are eligible to participate in our group health plan.
Qualifying Life Events
When one of the following events occurs, you have 30 days from the date of the event to notify human resources and/or request changes to your coverage:
Your change in coverage must be consistent with your change in status. Please direct questions regarding specific life events and your ability to request changes to human resources.
We are using an online benefit administration system to capture your benefit elections. Our online enrollment systems is with Employee Navigator. It is simple, secure and can be done in a few minutes from any computer or smart device with internet access. After enrolling online, you will have access to your benefit information anytime, from any computer.
To get started, you will need:
Use your computer, smart phone or device to enroll using this company identifier:
APTURA
Log On To Enroll
You will receive an email from noreply@employeenavigator.com that provides your registration link and company identifier code. To access employee navigator, you will need to enter the credentials you used when you originally registered with Employee Navigator. If you cannot remember your credentials, use the forget password or forgot username option on the login screen, then follow the prompts. An email will be sent to the email address you originally provided during your registration. Keep in mind, it could be your work email OR your personal email account.
Go to (or click) https://www.employeenavigator.com/benefits/Account/Login to login to Employee Navigator
MEDICAL BENEFITS
Medical Plan Options
Choose the Plan that is Best for You and Your Family
Our medical plan administrator is Imagine360. Imagine360 will be administering our built-in Price Protection Program which gives you the choice to utilize any doctor or hospital with no network penalties. The Price Protection Program will provide additional resources, such as:
- Care Navigation Services to help you find local doctors, hospitals and clinics
- Benefit Information and support with chronic diseases
- Savings for you and your family with Price Protection and billing support
- Online and mobile app resources to check claims, find a provider, access your ID card and more
- Telemedicine for unlimited, virtual emergency medical doctors.
Also, you will have a traditional provider network option available with Imagine360 and the Cigna Network.
Choosing a Doctor or Hospital
Price Protection
Price Protection option allows you to utilize any doctor or hospital without the worry if they are in-network or not.
Cigna Network
Cigna Network option will utilize the Cigna national network of providers. If you use an out-of-network provider your financial responsibility for the deductible, coinsurance and out-of-pocket maximum will be higher.
Price Protection
Price Protection option allows you to utilize any doctor or hospital without the worry if they are in-network or not.
Cigna Network
Cigna Network option will utilize the Cigna national network of providers. If you use an out-of-network provider your financial responsibility for the deductible, coinsurance and out-of-pocket maximum will be higher.
Also, we are very pleased to continue our wellness program. Our program is designed to give you choices, so it fits your lifestyle and includes your family. The health coaching team from American Health & Wellness will continue to provide support with weight management, nutrition, wellbeing, exercise and more.
Also, we are very pleased to continue our wellness program. Our program is designed to give you choices, so it fits your lifestyle and includes your family. The health coaching team from American Health & Wellness will continue to provide support with weight management, nutrition, wellbeing, exercise and more.
MEDICAL PLAN OPTIONS
PRICE PROTECTION: You can use any provider as out-of-network provider restrictions do not apply. If you need assistance finding a provider, call Image360 member services at (800) 716-2852.
Your employer offers 4 medical options:
Plans: (Scroll sideways to see all 4 plans)
| Plan Info - 1/1/2023 - 12/31/2023 | Plan 1 | Plan 2 |
|---|---|---|
| Plan Information 1/1/2023 - 12/31/2023 | Plan 1 PRICE PROTECTION Health Reimbursement Account (HRA) Your Responsibility | Plan 2 CIGNA NETWORK Health Reimbursement Account (HRA) Your Responsibility |
| ANNUAL DEDUCTIBLE: Single Family | $2,500 $5,000 | $2,500 $5,000 |
| OUT-OF-POCKET MAX: Single Family | $3,500 $7,000 | $3,500 $7,000 |
| COINSURANCE - Your Responsibility After Deductible | 0% | 0% |
| OFFICE VISIT COPAYS: Primary (PCP) Specialist | $20 Copay $40 Copay | $20 Copay $40 Copay |
| PRESCRIPTIONS Retail 30 Day Supply: Generic Brand Formulary Specialty: Call SmithRx 844-454-5201 | Copay; $10 $35 $60 Contact SmithRx | Copay: $10 $35 $60 Contact SmithRx |
| PRESCRIPTIONS Mail Order 90 Day Supply: Generic Brand Formulary Specialty: Call SmithRx 844-454-5201 | Copay; $25 $87.50 $150 Contact SmithRx | Copay; $25 $87.50 $150 Contact SmithRx |
| MEDICARE PART D STATUS | Creditable | Creditable |
| PREVENTIVE CARE (Routine Exams, Screening Colonoscopies, Immunizations, Well Baby Care & Mammograms) | Covered at 100% | Covered at 100% |
| EMERGENCY ROOM Charges outside of the facility could be billed separately | $250 copay/visit, deductible does not apply | $250 copay/visit, deductible does not apply |
| URGENT CARE Charges outside of the facility could be billed separately | $50 copay/visit, deductible does not apply | $50 copay/visit, deductible does not apply |
| INPATIENT HOSPITAL | Deductible; then 0% | Deductible; then 0% |
| OUTPATIENT SURGERY | Deductible; then 0% | Deductible; then 0% |
| Plan Info - 1/1/2023 - 12/31/2023 | Plan 1 | Plan 2 |
|---|---|---|
| Plan Information 1/1/2023 - 12/31/2023 | Plan 1 PRICE PROTECTION Health Reimbursement Account (HRA) Your Responsibility | Plan 2 CIGNA NETWORK Health Reimbursement Account (HRA) Your Responsibility |
| ANNUAL DEDUCTIBLE: Single Family | $2,500 $5,000 | $2,500 $5,000 |
| OUT-OF-POCKET MAX: Single Family | $3,500 $7,000 | $3,500 $7,000 |
| COINSURANCE - Your Responsibility After Deductible | 0% | 0% |
| OFFICE VISIT COPAYS: Primary (PCP) Specialist | $20 Copay $40 Copay | $20 Copay $40 Copay |
| PRESCRIPTIONS Retail 30 Day Supply: Generic Brand Formulary Specialty: Call SmithRx 844-454-5201 | Copay; $10 $35 $60 Contact SmithRx | Copay: $10 $35 $60 Contact SmithRx |
| PRESCRIPTIONS Mail Order 90 Day Supply: Generic Brand Formulary Specialty: Call SmithRx 844-454-5201 | Copay; $25 $87.50 $150 Contact SmithRx | Copay; $25 $87.50 $150 Contact SmithRx |
| MEDICARE PART D STATUS | Creditable | Creditable |
| PREVENTIVE CARE (Routine Exams, Screening Colonoscopies, Immunizations, Well Baby Care & Mammograms) | Covered at 100% | Covered at 100% |
| EMERGENCY ROOM Charges outside of the facility could be billed separately | $250 copay/visit, deductible does not apply | $250 copay/visit, deductible does not apply |
| URGENT CARE Charges outside of the facility could be billed separately | $50 copay/visit, deductible does not apply | $50 copay/visit, deductible does not apply |
| INPATIENT HOSPITAL | Deductible; then 0% | Deductible; then 0% |
| OUTPATIENT SURGERY | Deductible; then 0% | Deductible; then 0% |
Cigna
Out-of-Network Benefits
Plans: (Scroll sideways to see all 4 plans)
| Plan Information 1/1/2023 - 12/31/2023 | Plan 1: PRICE PROTECTION | Plan 2: CIGNA NETWORK |
|---|---|---|
| Plan Information 1/1/2023 - 12/31/2023 | Plan 1 PRICE PROTECTION Health Reimbursement Account (HRA) Your Responsibility | Plan 2 CIGNA NETWORK Health Reimbursement Account (HRA) Your Responsibility |
| ANNUAL EMBEDDED DEDUCTIBLE: Single Family | N/A N/A | $5,000 $10,000 |
| OUT-OF-POCKET MAXIMUM: Single Family | N/A N/A | $7,000 $14,000 |
| COINSURANCE | N/A | 30% |
| Plan Information 1/1/2023 - 12/31/2023 | Plan 1: PRICE PROTECTION | Plan 2: CIGNA NETWORK |
|---|---|---|
| Plan Information 1/1/2023 - 12/31/2023 | Plan 1 PRICE PROTECTION Health Reimbursement Account (HRA) Your Responsibility | Plan 2 CIGNA NETWORK Health Reimbursement Account (HRA) Your Responsibility |
| ANNUAL EMBEDDED DEDUCTIBLE: Single Family | N/A N/A | $5,000 $10,000 |
| OUT-OF-POCKET MAXIMUM: Single Family | N/A N/A | $7,000 $14,000 |
| COINSURANCE | N/A | 30% |
Employee Payroll Contributions
Price Protection
The Price Protection Program option will be less out of your paycheck.
Wellness Program
If you meet the Wellness Program goals, you will continue with lower payroll contributions, too!
Price Protection
The Price Protection Program option will be less out of your paycheck.
Wellness Program
If you meet the Wellness Program goals, you will continue with lower payroll contributions, too!
PRICE PROTECTION PROGRAM & CIGNA NETWORK
| Description | Plan 1 High Deductible Health Plan $3,000 | Plan 2 Traditional Plan $1,500 | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| Description | PRICE PROTECTION PROGRAM Plan 1 HRA $2,500 Employee Per Pay Period Rates (24 pays) | CIGNA NETWORK Plan 1 HRA $2,500 Employee Per Pay Period Rates (24 pays) | ||||||||
| With 2 Wellness Credits | With 1 Wellness Credit | With No Wellness Credits | With 2 Wellness Credits | With 1 Wellness Credit | With No Wellness Credits | |||||
| Employee Only | $54 | $64 | $74 | $61 | $71 | $81 | ||||
| Employee + Spouse | $113 | $123 | $133 | $127 | $137 | $147 | ||||
| Employee + Child(ren) | $105 | $115 | $125 | $118 | $128 | $138 | ||||
| Employee + Family | $164 | $174 | $184 | $184 | $194 | $204 | ||||
Plans: (Scroll sideways to see all 4 plans)
| Description | Plan 1 High Deductible Health Plan $3,000 | Plan 2 Traditional Plan $1,500 | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| Description | PRICE PROTECTION PROGRAM Plan 1 HRA $2,500 Employee Per Pay Period Rates (24 pays) | CIGNA NETWORK Plan 1 HRA $2,500 Employee Per Pay Period Rates (24 pays) | ||||||||
| With 2 Wellness Credits | With 1 Wellness Credit | With No Wellness Credits | With 2 Wellness Credits | With 1 Wellness Credit | With No Wellness Credits | |||||
| Employee Only | $54 | $64 | $74 | $61 | $71 | $81 | ||||
| Employee + Spouse | $113 | $123 | $133 | $127 | $137 | $147 | ||||
| Employee + Child(ren) | $105 | $115 | $125 | $118 | $128 | $138 | ||||
| Employee + Family | $164 | $174 | $184 | $184 | $194 | $204 | ||||
What is a Health Reimbursement Account (HRA)?
A Health Reimbursement Arrangement (also known as a Health Reimbursement Account or HRA) are employer funded group health plans from which employees are reimbursed tax-free qualified medical expenses up to a fixed dollar amount per year. The employer funds and owns the arrangement.
After you meet a portion of your deductible, APTURA reimburses a portion of your annual deductible through the HRA.
APTURA REIMBURSES THE FIRST $500 OF YOUR COVERED, PLAN YEAR MEDICAL EXPENSES
Medical Resources Imagine360 Support & Mobile App
One Number to Call
You have questions about your benefits
Need help with a claim
Need to find a provider
One Number To Call
Our Member Care Team is ready to assist you no matter what you’re inquiring about: benefits information; assistance finding a doctor; or questions about a claim or bill. Your time is valuable, and we are committed to helping you get the most out of your health plan with just one call.
Complete Healthcare Guidance (Live & Digital Resources)
Get expert support to find the right provider for your needs. Compare providers based on quality metrics, cost and other information so that you can make an informed choice. Finally, no more random Internet searches – get real-time industry-leading data.
Health & Clinical Support
We will take care of your throughout your entire healthcare journey. Our team of experts will answer your questions and provide education regarding your treatment plan, diagnosis care options and medications. We can also assist you with scheduling appointments and obtaining your medical records.
Imagine360.com Website
Go to imagine360.com and click on “Members” in the upper right hand corner of the homepage. You can then sign in or create an account to access all of your benefit information.
Imagine360 provides an easy-to-navigate online portal and mobile app that gives you access to all of your key benefits information.
mibenefits.imagine360.com
Download the Imagine360 Mobile App today through the Google Play Store or the Apple Store. Search for “mibenefits.imagine360.com”, download the app for free, register and set up a user Id and password. It’s that simple!
Find A Cigna Provider
If you are choosing the Cigna Network option, you can find a provider at www.myCigna.com or call 1-800-716-2852 and Imagine360 will help you.
PRICE PROTECTION & BILLING SUPPORT
Your health plan has built-in price protection to make sure you don’t overpay for care. Imagine360 reviews your claims to make sure charges don’t exceed your plan’s allowance limits. If a provider does not accept your plan’s payment, they may send you a bill for the difference. You just need to compare it to your Explanation of Benefits (EOB). Imagine360 will work to get it resolved.
Be sure to notify Imagine360 right away if you have a question about a provider’s bill.
Call the member services, 800-716-2852, anytime you are asked to pay upfront or have questions.
FIND A PROVIDER
What if I need help finding a provider?
Finding the right provider for your needs is so important. Imagine360 is here to help you get the most out of your health plan—just call 1-800-716-2852 for support.
My provider is stating that they don’t recognize my ID card. What do I do?
Explain that you have health benefits and request they call 1-800-716-2852 (the number on your ID card), to verify your eligibility status. You can call Imagine360 at the same number if you have any difficulties.
What if a provider asks me to pay for my procedure upfront?
The only out-of-pocket expense you should pay, at the time of service, is a copay or deductible (if applicable). Please call Imagine360 at 1-800-716-2852 to confirm amounts or if the facility will not perform treatment without additional funds.
Depending on your geographic location, you may have access doctors and hospitals in the Imagine Health and/or MultiPlan network. The above logos will show on your medical identification card if this applies to you. Imagine360 is available to assist you if you or your provider have any questions.
Need Assistance? Call 1-800-716-2852
Need Assistance? Call 1-800-716-2852
Why is an Explanation of Benefits (EOB) so important?
When a claim is processed, Imagine360 will issue an Explanation of Benefits or EOB to you and the provider. This EOB explains how your claim was processed. The most important area on the EOB is the Patient Responsibility (see image).
Healthcare providers can have excessive markups, often way beyond what their actual costs are. Imagine360 will perform a detailed audit to review your medical claims for any errors and overcharges to eliminate these excessive mark-ups and ensure you pay only what is allowed within your plan.
This helps save you money.
Once a review of the claim is complete, Imagine360 will send the provider a fair and reasonable payment. Most of the time, providers will accept the payment that is sent to them.
If a provider bills you for more than the amount they are sent, it is called a balance bill. To be clear, the provider is asking you to pay more than what the plan allows. If you receive a balance bill, contact Imagine360 immediately using the phone number on your benefits ID card.
So, how do you know if you’ve been balance billed?
If you receive a bill from a hospital or doctor, the first thing you want to do is locate your Explanation of Benefits. If the amount billed does not match the amount your EOB, says you may owe, you may have a balance bill.
A balance bill is usually the difference between what the provider has billed and the Allowable Claim Limit paid by the Plan. If you think you have a balance bill or are unsure, contact Imagine360.
So, how do you know if you’ve been balance billed?
If you receive a bill from a hospital or doctor, the first thing you want to do is locate your Explanation of Benefits. If the amount billed does not match the amount your EOB, says you may owe, you may have a balance bill.
Billing Questions and Balance Bill Support
Proactive Guidance & Support
A dedicated member advocate who gives regular updates, answers your questions and oversees the process for you.
Legal Support
Legal representatives who work on your behalf to resolve balance bills.
Provider Support
Contacts providers on your behalf and updates you on the progress of your claim.
Billing Questions and Balance Bill Support
Proactive Guidance & Support
A dedicated member advocate who gives regular updates, answers your questions and oversees the process for you.
Legal Support
Legal representatives who work on your behalf to resolve balance bills.
Provider Support
Contacts providers on your behalf and updates you on the progress of your claim.
Telemedicine
Call United Concierge Medicine (UCM) at 1-844-484-7362, use the mobile app “SAM BY UCM” or go to goseesam.com.
Included with all medical plans
Plan Information
Which plan is right for you?
| High Deductible Health Plan | Traditional Plan |
|---|---|
| High Deductible Health Plan | Traditional Plan |
| Lower Payroll Deductions | Higher Payroll Deductions |
| Deductible Applies First | Copays Apply First |
| Pre-Tax and Tax Benefits: contributions reduce your taxable income; enrollment in a Health Savings Account (HSA) also accrues savings that are tax-deferred and distributions for qualified medical expenses are tax-free. | Pre-Tax Benefit: contributions reduce your taxable income |
| Great way to save pre-tax dollars if you don’t expect significant health issues. | Manage your budget with copays if you expect to utilize the medical plan and have multiple prescriptions. |
Routine Preventive Exam
Our medical plans cover one annual preventive (wellness) examination at 100%, when no diagnostic issues are identified. Appropriate biometric screenings based on age or risk status are covered at 100%.
Upon any diagnosis, future tests and exams are not considered preventive.
Plan Information
What is an embedded deductible?
A medical plan with an embedded deductible tracks both the individual and family deductible. An individual with healthcare needs and family coverage will not have to meet the entire family deductible before the plan begins to pay for services.
Urgent Care Facility vs. Hospital Emergency Room
If you are faced with a sudden illness or injury, making an informed choice on where to seek medical care is crucial to your personal and financial well-being. Below are examples (not all inclusive) of when the Hospital Emergency Room should be used vs. an Urgent Care Facility. remember, certain Urgent Care conditions may be treatable without Telemedicine service.
Be sure to review the details about your financial responsibility when using a Hospital Emergency Room vs. an Urgent Care Facility. Be an informed consumer and know your benefit options. In an emergency, call 911 and go to the Hospital Emergency Room.
| Hospital Emergency Room This should be used for health conditions that require a high level of care. | Urgent Care Facility This is an extension of your primary care physician. |
|---|---|
| Hospital Emergency Room This should be used for health conditions that require a high level of care. | Urgent Care Facility This is an extension of your primary care physician. |
| Compound Fracture | Controlled bleeding |
| Deep Knife or Gunshot Wound | Diagnostic services (x-ray, lab tests) |
| Moderate to Severe Burns | Ear Infections |
| Poisoning or suspected poisoning | High fever or the flu |
| Seizures or loss of consciousness | Minor broken bones (toes, fingers) |
| Serious head, neck or back injuries | Severe sore throat or cough |
| Severe abdominal pain | Sprains or strains |
| Severe chest pain or difficulty breathing; Signs of heart attack or stroke | Skin rashes and infections |
| Suicidal or homicidal feelings | Urinary tract infections |
| Uncontrollable bleeding | Vomiting, diarrhea or dehydration |
Be sure to review the details about your financial responsibility when using a Hospital Emergency Room vs. an Urgent Care Facility. Be an informed consumer and know your benefit options. In an emergency, call 911 and go to the Hospital Emergency Room.
PHARMACY BENEFITS
Included With All Medical Plans
Our Pharmacy Benefit Manger (PBM) is SmithRx.
SmithRx has over 75,000 in-network retail pharmacies. For specific in-network pharmacy questions or to check whether your local pharmacy is in-network, please contact SmithRx’s dedicated Member Support team. SmithRx’s online Member Portal give you access to forms, pharmacy transactions and member support. When you register for an account, have your Imagine360 ID card handy.
Who is my mail-order service provider?
Contact Serve You DirectRx to set up your account.
· E-prescribe or Fax: Have your doctor electronically prescribe or fax your prescription to 1-866-494-0364. Faxed prescriptions may only be sent by a doctor’s office and must include patient information and diagnosis for timely processing.
· Phone: Your doctor can call in the prescription to 1-800-759-3203 with an IVR (interactive voice recognition) option.
· Prompt Delivery: Call Serve You DirectRx at 1-800-759-3203
· Call SmithRx Member Support if you need assistance.
Contact Information
Reach Out Anytime
Toll Free: (844) 454-5201
Website: www.mysmithrx.com/login and click “Create an Account”
Email: connect@smithrx.com
Where do I get my specialty medications?
Prescribed specialty medications covered by your plan benefits can be secured through SmithRx preferred specialty pharmacies.
To utilize the specialty pharmacy, simply call SmithRx Member Support to check coverage and start any necessary authorization processes.
Important Things To Know About Your Pharmacy Benefits
| Prior Authorization | Generic Drugs |
|---|---|
| Prior Authorization | Some drugs, and certain amounts of some drugs, require an approval before they are eligible to be covered under your medical plan. Even if a drug is listed or on a formulary, you should check your schedule of benefits to verify it is a covered benefit. |
| Generic Drugs | When a patent or exclusivity expires on a Food and Drug Administration (FDA)-approved drug, other companies can make the drug in a generic form. The FDA requires generic drugs have the same high quality, strength, purity and stability as brand-name drugs. On average, the cost of a generic drug is 80-85% lower than the brand -name equivalent. |
| Generic Drugs |
|---|
| Prior Authorization: Some drugs, and certain amounts of some drugs, require an approval before they are eligible to be covered under your medical plan. Even if a drug is listed or on a formulary, you should check your schedule of benefits to verify it is a covered benefit. |
| Generic Drugs: When a patent or exclusivity expires on a Food and Drug Administration (FDA)-approved drug, other companies can make the drug in a generic form. The FDA requires generic drugs have the same high quality, strength, purity and stability as brand-name drugs. On average, the cost of a generic drug is 80-85% lower than the brand -name equivalent. |
WELLNESS PROGRAMS & SERVICES
Wellness Disclaimer: Before beginning any health and wellness program, you should seek the advice of your physician or other qualified health provider with any questions that you may have regarding a medical condition or potential medical condition. Also, you should never disregard professional medical advice, or delay seeking medical advice or treatment. Any wellness program participant further understands that the recommendations made to you by the American Health & Wellness Health Coach is not intended to diagnose, treat, prescribe, cure or prevent any disease.
Your Health Coaching Team
American Health & Wellness health coaches are graduates of accredited colleges with bachelor degrees in nursing, kinesiology, exercise science and have a collection of certifications amongst them, i.e., Certified Integrative Nutritional Health Coach; Lifestyle Health Coaching; Wellcoaches® Health & Wellness Coach; ACSM Certified Exercise Physiologist; Certified Health Coach through Health Coaching Institute and Certified Stress Management Coach (CSMC).
What Is Health Coaching?
Your Health Coach will provide wellness education on a variety of subjects via seminars, videos, social media, group coaching circles and challenges. The information should empower and inspire you to make choices that improve your physical, mental and emotional wellbeing!
Your Health Coach cares about you and is here to help you maximize your personal strengths. Support will be provided to create action steps to help you achieve your health goals. Motivation, positivity and wellbeing will be the focus for health improvement and maintenance
Seminars / Videos
Monthly seminars are engaging, inspiring and relevant and FUN! Seminars will be available for viewing either virtually or recorded. If you miss a seminar you can contact your health coach for the recorded version.
Challenges
Several times a year, we will be offering challenges using the MoveSpring app. We will be focused on activity, nutrition, positive support and fun. Best of all, there will be prizes! Your spouse is welcome to join!
Group Coaching
Group coaching circles are a safe place to connect with others who have the same goal in mind as you. Facilitated by your Health Coach, group coaching has proven results in providing momentum to help you manage and meet your goals. The meetings are held 16 times a month at different times and days for your convenience. Your health coach will text you the link to join.
Text Reminders From Your Health Coach
Your American Health & Wellness Health Coach will text you reminders of upcoming seminars, challenges & group coaching circles. Add AHW Texts to your contacts: (765) 256-6400.
Social Media Community
With our closed Facebook group, you will want to stay informed and connected. And, have a safe place to share your successes! The coaches post weekly interesting articles, recipes, and relevant news about your company’s wellness program! Don’t hesitate to share your wellness journey with us!
Wellness Credits will reduce your Medical Premium Payroll Deductions
We are excited about our wellness program! By engaging now, we will provide you with a wellness premium credit to reduce your medical premium payroll contribution. You can continue to keep the credit when you participate in our wellness program and complete the criteria shown below. Best of health and wellness to you!
Wellness Credit #1
Wellness Physical Exam
Visit your physician for a wellness physical exam AND submit the results form to your health coach or participate in the annual company sponsored biometric screening by 10/31/2023 to keep your credit for 2024.
NOTE: If your annual exam was in December 2022 or January 2023 you will receive credit if you submit Physical Exam Results within 12 months of your last physical.
Wellness Credit #2
Monthly Wellness Activities
Participate in one monthly wellness activity 9 out of 12 months between 11/1/2022 – 10/31/2023 to earn your credit for 2024.
Wellness activities include:
Seminars, Group Coaching Circles and Challenges
New Hires
We are glad you have joined our team. If you enroll in the medical plan, you will automatically receive the wellness credits applied to your medical premium upon your effective date.
To keep your wellness credits for 2024, you will need to complete the criteria in the New Hire grid.
| New Hire Grid | ||||
|---|---|---|---|---|
| New Hires | Hired Before 7/31/2023 | Hired After 7/31/2023 | ||
| Wellness Credit #1 Wellness Physical Exam | Turn in your exam results by 10/31/2023 | Automatically eligible | ||
| Wellness Credit #2 Activity | Participate in 4 out of 10 monthly wellness activities | Automatically eligible | ||
| Result | Your medical premiums will be reduced in 2024 | |||
Confidentiality
To protect your privacy and protected health information, American Health & Wellness (AHW) administers our wellness program. All health coaches are HIPAA (Health Insurance Portability and Accountability Act) certified. This means the information you share with your health coach is private and secure.
Nicotine Cessation
If you are a current nicotine user and ready to quit, there are options available to help.
Take Charge
Taking charge of your health starts with getting your annual, preventive exam to know your biometric numbers. Your weight, cholesterol, blood pressure and blood glucose numbers are key indicators of health. Your health coach will help you review your physician results and help create a lifestyle plan if you need to improve your numbers.
Annual Notices: Under federal law, we are required to provide or have available specific benefit notices for your review. All annual notices are available on our benefit administration platform or from Human Resources. If you would like to review the Annual Notices now, please CLICK HERE.
Disclaimer: This benefit guide provides highlights of the benefits available. Please request a copy of the plan certificate for additional coverage details, limitations, exclusions and restrictions. If any conflict shall arise between this document and the plan certificate, the plan certificate will govern in all cases.