Welcome, APTURA Employees

Welcome, Buchanan Employees

Our Employee Benefits And Wellness Program

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:

  • Your legal spouse / domestic partner
  • Children up to age 26 (includes birth children, stepchildren, legally adopted children and children for whom legal guardianship has been awarded to you or your spouse)
  • Dependent children incapable of self-support due to mental or physical disability

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 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 not 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:

  • Change in your legal marital status (marriage, divorce or legal separation)
  • Change in the number of your dependents (for example, birth or adoption, or if a child is no longer an eligible dependent)
  • Change in your spouse’s employment status (resulting in a loss or gain in coverage)
  • Change in your employment status from full time to part time, or part time to full time, resulting in a gain or loss of coverage.
  • Entitlement to Medicare or Medicaid
  • Eligibility for coverage through the Marketplace
  • Change in your address or location that may affect the coverage for which you are eligible.

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:

  • Your social security number
  • Any dependent’s social security numbers and birth dates

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

Your employer offers 4 medical options:

  • Plan 1 – $3,000 High Deductible Health Plan (HDHP)
  • Plan 2 – $1,500 High Deductible Health Plan (HDHP)
  • Plan 3 – $3,000 Traditional Copay Plan (TCP)
  • Plan 4 – $1,500 Traditional Copay Plan (TCP)
Plans: (Scroll sideways to see all 4 plans)
Plan Info - 1/1/2023 - 12/31/2023Plan 1Plan 2Plan 3Plan 4
Plan Info
1/1/2023 - 12/31/2023
Plan 1
$3,000 HDHP
Plan 2
$1,500 Traditional
Plan 3
$3,000 HDHP
Plan 4
$1,500 Traditional
ANNUAL DEDUCTIBLE:
Single
Family

$3,000
$6,000

$1,500
$4,500

$3,000
$6,000

$1,500
$4,500
OUT-OF-POCKET MAX:
Single
Family

$4,000
$8,000

$5,000
$10,000

$4,000
$8,000

$5,000
$10,000
New Hires & Employees opting for HSA for the first time!
Individual - One Time Deposit
Family - One Time Deposit

$300
$500

N/A
N/A

$300
$500

N/A
N/A
COINSURANCE - Your Responsibility After Deductible0%20%0%20%
OFFICE VISIT COPAYS:
Primary (PCP)
Specialist

Deductible; then $30
Deductible; then $50

$25 Copay
$25 Copay

Deductible; then $30
Deductible; then $50

$25 Copay
$25 Copay
PRESCRIPTIONS Retail 30 Day Supply:
Generic
Brand
Formulary
Specialty: Call SmithRx 844-454-5201
Deductible All Tiers;
$10
$30
$60
Contact SmithRx
Copays;
$10
$30
$60
Contact SmithRx
Deductible All Tiers;
$10
$30
$60
Contact SmithRx
Copays;
$10
$30
$60
Contact SmithRx
PRESCRIPTIONS Mail Order 90 Day Supply:
Generic
Brand
Formulary
Specialty: Call SmithRx 844-454-5201
Deductible All Tiers;
$20
$90
$180
Contact SmithRx
Copays;
$20
$90
$180
Contact SmithRx
Deductible All Tiers;
$20
$90
$180
Contact SmithRx
Copays;
$20
$90
$180
Contact SmithRx
MEDICARE PART D STATUSCreditableCreditableCreditableCreditable
PREVENTIVE CARE100% Covered100% Covered100% Covered100% Covered
EMERGENCY ROOMDeductible, then $250$250 Copay; then 20%Deductible, then $250$250 Copay; then 20%
URGENT CAREDeductible; then $75$75 CopayDeductible; then $75$75 Copay
INPATIENT HOSPITALDeductible; then 0%Deductible; then 20%Deductible; then 0%Deductible; then 20%
OUTPATIENT SURGERYDeductible; then 0%Deductible; then 20%Deductible; then 0%Deductible; then 20%
Plan Info - 1/1/2023 - 12/31/2023Plan 1Plan 2Plan 3Plan 4
Plan Info
1/1/2023 - 12/31/2023
Plan 1
$3,000 HDHP
Plan 2
$1,500 Traditional
Plan 3
$3,000 HDHP
Plan 4
$1,500 Traditional
ANNUAL DEDUCTIBLE:
Single
Family

$3,000
$6,000

$1,500
$4,500

$3,000
$6,000

$1,500
$4,500
OUT-OF-POCKET MAX:
Single
Family

$4,000
$8,000

$5,000
$10,000

$4,000
$8,000

$5,000
$10,000
New Hires & Employees opting for HSA for the first time!
Individual - One Time Deposit
Family - One Time Deposit

$300
$500

N/A
N/A

$300
$500

N/A
N/A
COINSURANCE - Your Responsibility After Deductible0%20%0%20%
OFFICE VISIT COPAYS:
Primary (PCP)
Specialist

Deductible; then $30
Deductible; then $50

$25 Copay
$25 Copay

Deductible; then $30
Deductible; then $50

$25 Copay
$25 Copay
PRESCRIPTIONS Retail 30 Day Supply:
Generic
Brand
Formulary
Specialty: Call SmithRx 844-454-5201
Deductible All Tiers;
$10
$30
$60
Contact SmithRx
Copays;
$10
$30
$60
Contact SmithRx
Deductible All Tiers;
$10
$30
$60
Contact SmithRx
Copays;
$10
$30
$60
Contact SmithRx
PRESCRIPTIONS Mail Order 90 Day Supply:
Generic
Brand
Formulary
Specialty: Call SmithRx 844-454-5201
Deductible All Tiers;
$20
$90
$180
Contact SmithRx
Copays;
$20
$90
$180
Contact SmithRx
Deductible All Tiers;
$20
$90
$180
Contact SmithRx
Copays;
$20
$90
$180
Contact SmithRx
MEDICARE PART D STATUSCreditableCreditableCreditableCreditable
PREVENTIVE CARE100% Covered100% Covered100% Covered100% Covered
EMERGENCY ROOMDeductible, then $250$250 Copay; then 20%Deductible, then $250$250 Copay; then 20%
URGENT CAREDeductible; then $75$75 CopayDeductible; then $75$75 Copay
INPATIENT HOSPITALDeductible; then 0%Deductible; then 20%Deductible; then 0%Deductible; then 20%
OUTPATIENT SURGERYDeductible; then 0%Deductible; then 20%Deductible; then 0%Deductible; then 20%

Cigna

Out-of-Network Benefits

Plans: (Scroll sideways to see all 4 plans)
Plan Information 1/1/2023 - 12/31/2023Plan 1 High Deductible Health Plan Your ResponsibilityPlan 2 Traditional Plan Your ResponsibilityPlan 3 High Deductible Health Plan Your ResponsibilityPlan 4 Traditional Plan Your Responsibility
Plan Information 1/1/2023 - 12/31/2023Plan 1 $3,000 HDHPPlan 2 $1,500 TraditionalPlan 3 $3,000 HDHPPlan 4 $1,500 Traditional
ANNUAL DEDUCTIBLE:
Single
Family

$6,000
$12,000

$3,000
$9,000

$6,000
$12,000

$3,000
$9,000
OUT-OF-POCKET MAX:
Single
Family

$12,000
$24,000

$10,000
$20,000

$12,000
$24,000

$10,000
$20,000
COINSURANCE30%40%30%40%
Plan Information 1/1/2023 - 12/31/2023Plan 1 High Deductible Health Plan Your ResponsibilityPlan 2 Traditional Plan Your ResponsibilityPlan 3 High Deductible Health Plan Your ResponsibilityPlan 4 Traditional Plan Your Responsibility
Plan Information 1/1/2023 - 12/31/2023Plan 1 $3,000 HDHPPlan 2 $1,500 TraditionalPlan 3 $3,000 HDHPPlan 4 $1,500 Traditional
ANNUAL DEDUCTIBLE:
Single
Family

$6,000
$12,000

$3,000
$9,000

$6,000
$12,000

$3,000
$9,000
OUT-OF-POCKET MAX:
Single
Family

$12,000
$24,000

$10,000
$20,000

$12,000
$24,000

$10,000
$20,000
COINSURANCE30%40%30%40%

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

Employee Bi-Weekly Payroll Contributions

DescriptionPlan 1 High Deductible Health Plan $3,000Plan 2 Traditional Plan $1,500
DescriptionPlan 1 High Deductible Health Plan $3,000Plan 2 Traditional Plan $1,500
With 2 Wellness CreditsWith 1 Wellness CreditWith No Wellness CreditsWith 2 Wellness CreditsWith 1 Wellness CreditWith No Wellness Credits
Employee Only$35$45$55$58$68$78
Employee + Spouse$73$83$93$121$131$141
Employee + Child(ren)$68$78$88$113$123$133
Employee + Family$106$116$126$176$186$196
Plans: (Scroll sideways to see all 4 plans)
DescriptionPlan 1 High Deductible Health Plan $3,000Plan 2 Traditional Plan $1,500
DescriptionPlan 1 High Deductible Health Plan $3,000Plan 2 Traditional Plan $1,500
With 2 Wellness CreditsWith 1 Wellness CreditWith No Wellness CreditsWith 2 Wellness CreditsWith 1 Wellness CreditWith No Wellness Credits
Employee Only$35$45$55$58$68$78
Employee + Spouse$73$83$93$121$131$141
Employee + Child(ren)$68$78$88$113$123$133
Employee + Family$106$116$126$176$186$196

Cigna

Employee Bi-Weekly Payroll Contribution

Plans: (Scroll sideways to see all 4 plans)
DescriptionPlan 3 High Deductible Health Plan $3,000Plan 4 Traditional Plan $1,500
DescriptionPlan 3 High Deductible Health Plan $3,000Plan 4 Traditional Plan $1,500
With 2 Wellness CreditsWith 1 Wellness CreditWith No Wellness CreditsWith 2 Wellness CreditsWith 1 Wellness CreditWith No Wellness Credits
Employee Only$77$87$97$109$119$129
Employee + Spouse$278$288$298$378$388$398
Employee + Child(ren)$264$274$284$348$358$368
Employee + Family$292$302$312$459$469$479
DescriptionPlan 3 High Deductible Health Plan $3,000Plan 4 Traditional Plan $1,500
DescriptionPlan 3 High Deductible Health Plan $3,000Plan 4 Traditional Plan $1,500
With 2 Wellness CreditsWith 1 Wellness CreditWith No Wellness CreditsWith 2 Wellness CreditsWith 1 Wellness CreditWith No Wellness Credits
Employee Only$77$87$97$109$119$129
Employee + Spouse$278$288$298$378$388$398
Employee + Child(ren)$264$274$284$348$358$368
Employee + Family$292$302$312$459$469$479

Medical Resources Imagine360 Support & Mobile App

One Number to Call

1-800-716-2852

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.

  • Review your account summary and plan benefits
  • Check claim status
  • Find and compare providers using metrics like quality and cost
  • View a temporary ID card
  • Ask questions about your plan

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 to doctors and hospitals in the Imagine Health network. The Imagine Health logo 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.

  • One click call for treatment or triage—no waiting rooms!
  • Available 24×7 by app, website and phone
  • Your prescription sent to your pharmacy
  • Contact a physician in minutes, with guaranteed consult follow-up
  • Addresses minor issues to serious medical concerns
  • Providers referrals for diagnostic tests

Included with all medical plans

Plan Information

Which plan is right for you?

High Deductible Health PlanTraditional Plan
High Deductible Health PlanTraditional Plan
Lower Payroll DeductionsHigher Payroll Deductions
Deductible Applies FirstCopays 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 FractureControlled bleeding
Deep Knife or Gunshot WoundDiagnostic services (x-ray, lab tests)
Moderate to Severe BurnsEar Infections
Poisoning or suspected poisoningHigh fever or the flu
Seizures or loss of consciousnessMinor broken bones (toes, fingers)
Serious head, neck or back injuriesSevere sore throat or cough
Severe abdominal painSprains or strains
Severe chest pain or difficulty breathing; Signs of heart attack or strokeSkin rashes and infections
Suicidal or homicidal feelingsUrinary tract infections
Uncontrollable bleedingVomiting, 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.

FSA & HSA

Flexible Spending Account

A Flexible Spending Account (FSA) allows you to set aside pre-tax payroll deductions to pay for out-of-pocket health care expenses such as deductibles, copays and coinsurance, as well as dependent care expenses. Depending on your health plan election, you may be eligible for a regular purpose FSA or a limited purpose FSA. Below outlines the differences:

Unused funds are lost each calendar year. Budget wisely, once you pledge your FSA payroll deduction, you cannot change it for the calendar year.

DescriptionRegular Purpose Spending Account
DescriptionRegular Purpose Spending AccountLimited Purpose Spending Account
Health PlanTraditional Plan or Waiving MedicalHigh Deductible Health Plan
Qualified ExpensesMedical, Dental, Vision and Prescription with a doctor’s prescriptionDental and Vision
Tax AdvantagePre-tax Contributions and Payments for Qualified ExpensesPre-tax Contributions and Payments for Qualified Expenses; enrollment in a Health Savings Account (HSA) also accrues savings that are tax-deferred.
2023 Contribution Limit$3,050$3,050

Get Everything You Need, All in One Place

Download EBD Mobile in the App Store or Google Play and see all of your EBC accounts in the app:

  • Track your balances and other account specific details
  • Submit a claims to be reimbursed for eligible expenses and use your phone to take pictures of receipts/expense documentation and quickly upload the files
  • Track the status of your submitted claims, which are typically processed in two business days.
  • Track money going in and out of your account.
  • And much more!

FSA Rollover Feature

Effective 1/1/2023, our FSA plan will have a $610 rollover feature.  It is $570 for the 2022 plan year.
This allows up to $610 in unspent funds to roll from one plan year into the next.  Rolled funds are integrated into the new plan year election, without impact on the $3,050 maximum.  Rollover dollars are limited to up to $610 for 2023 and $570 for 2022.
 

Health Savings Account

Your Health Savings Account (HSA) is tax free. The money in your account is yours to use to pay for eligible health care expenses when you are enrolled in a qualified high deductible health plan. Unused funds roll over year-to year.

New Hires & Employees opting the High Deductible Health Plan for the first time, APTURA will contribute the following to your Health Savings Account: Individual—one time deposit $300; Family—one time deposit $500. Be sure to include the company deposit in our overall HSA contribution to avoid exceeding the IRS limits.

What is a Health Savings Account?

A HSA is an individual health care bank account that you can use to pay out-of-pocket health care expenses with pre-tax dollars. You will own and administer your account and there are no “use it or lose it” restrictions like a Flexible Spending Account (FSA). HSAs allow you to save and “roll over” money if you do not spend it in the calendar year. The money is yours if you change health plans or jobs. You can open and fund a HSA when you meet the following guidelines:

  • You are covered by a HSA eligible high deductible health plan (HDHP)
  • You are not covered by your spouse’s health plan that is not a HSA qualified HDHP, FSA or health reimbursement account (HRA)
  • You are not eligible to be claimed as a dependent on someone else’s tax return
  • You are not enrolled in Medicare, Medicaid or TRICARE
  • You have not received Department of Veterans Affairs medical benefits in the past 90 days
2023 HSA Contribution Limits
Single$3,850
Family$7,750
Catch-up (ages 55+)$1,000

Qualified Expenses

You can use your HSA funds to pay for medical, dental and vision expenses, i.e., surgery expenses, prescriptions, chiropractor, dental treatment, etc.

Non-qualified expenses will be taxed plus a 20% tax penalty under IRS regulations.

What is a Health Savings Account?

A HSA is an individual health care bank account that you can use to pay out-of-pocket health care expenses with pre-tax dollars. You will own and administer your account and there are no “use it or lose it” restrictions like a Flexible Spending Account (FSA). HSAs allow you to save and “roll over” money if you do not spend it in the calendar year. The money is yours if you change health plans or jobs. You can open and fund a HSA when you meet the following guidelines:

  • You are covered by a HSA eligible high deductible health plan (HDHP)
  • You are not covered by your spouse’s health plan that is not a HSA qualified HDHP, FSA or health reimbursement account (HRA)
  • You are not eligible to be claimed as a dependent on someone else’s tax return
  • You are not enrolled in Medicare, Medicaid or TRICARE
  • You have not received Department of Veterans Affairs medical benefits in the past 90 days
2023 HSA Contribution Limits
Single$3,850
Family$7,750
Catch-up (ages 55+)$1,000

Qualified Expenses

You can use your HSA funds to pay for medical, dental and vision expenses, i.e., surgery expenses, prescriptions, chiropractor, dental treatment, etc.

Non-qualified expenses will be taxed plus a 20% tax penalty under IRS regulations.

Our preferred provider is Employee Benefits Corporation or you may use the bank of your choice. You must submit your HSA bank account information to Human Resources in order to make pre-tax payroll contributions to your account.

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 AuthorizationGeneric Drugs
Prior AuthorizationSome 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 DrugsWhen 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 HiresHired Before 7/31/2023Hired After 7/31/2023
Wellness Credit #1
Wellness Physical Exam
Turn in your exam results by 10/31/2023Automatically eligible
Wellness Credit #2
Activity
Participate in 4 out of 9 monthly wellness activitiesAutomatically eligible
ResultYour 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.

DENTAL BENEFIT SUMMARY

Value Plan:  In and out-of-network benefits are paid at the same coinsurance percentages, but all benefits are paid based on the discounted PPO fees.  Choose the Value Plan if you know you are utilizing Guardian network providers as this will stretch your  benefit dollars further with the highest level of coverage.

Network Access Plan (NAP):  In and out-of-network benefits are paid at the same coinsurance percentage.  In-network benefits are based on Guardians discounted PPO fees.  Out-of-network benefits are paid based on local usual and customary charges.

(Scroll sideways to see all options)

Guardian Benefit SummaryValue PlanNetwork Access Plan
Guardian Benefit SummaryValue PlanNetwork Access Plan
Preventive Expenses> Exams and cleanings (once/6 months)
> X-rays (full mouth once/36 months)
> Fluoride treatment to age 19 (once/6 months)
> Sealants to age 16 (once/36 months)
Covered at 100%Covered at 100%
Basic Expenses> Fillings (including posterior composites)
> Simple Extractions
Covered at 100%Covered at 80%
Major Expenses> Anesthesia
> Bridges & Dentures
> Inlays, Onlays & Veneers
> Perio Surgery
> Root Canal
> Crowns
> Surgical Extractions
Covered at 60%Covered at 50%
Deductible:
Single
Family

$50
$150

$50
$150
Calendar Year MaximumIncludes Maximum Rollover: Guardian will roll over a portion of your unused annual maximum for future years. To qualify, you must have had a claim (not just a visit) and must not have exceeded the paid claims threshold of $500 during the benefit year.$1,000$1,000
Out-Of-NetworkEmployees using out-of-network providers may be responsible for the difference between the discounted PPO fees and the out-of-network dentist’s regular fees for the services performed.
Guardian Benefit SummaryValue PlanNetwork Access Plan
Guardian Benefit SummaryValue PlanNetwork Access Plan
Preventive Expenses> Exams and cleanings (once/6 months)
> X-rays (full mouth once/36 months)
> Fluoride treatment to age 19 (once/6 months)
> Sealants to age 16 (once/36 months)
Covered at 100%Covered at 100%
Basic Expenses> Fillings (including posterior composites)
> Simple Extractions
Covered at 100%Covered at 80%
Major Expenses> Anesthesia
> Bridges & Dentures
> Inlays, Onlays & Veneers
> Perio Surgery
> Root Canal
> Crowns
> Surgical Extractions
Covered at 60%Covered at 50%
Deductible:
Single
Family

$50
$150

$50
$150
Calendar Year MaximumIncludes Maximum Rollover: Guardian will roll over a portion of your unused annual maximum for future years. To qualify, you must have had a claim (not just a visit) and must not have exceeded the paid claims threshold of $500 during the benefit year.$1,000$1,000
Out-Of-NetworkEmployees using out-of-network providers may be responsible for the difference between the discounted PPO fees and the out-of-network dentist’s regular fees for the services performed.

No ID Card Needed

Your dentist only needs your social security number and your Group ID #560599 to confirm you eligibility.

Dental 24 Pays
Dental 24 Pays
Employee Only$15.73
Employee + Spouse$29.84
Employee + Child(ren)$29.08
Employee + Family$43.21
Dental 24 Pays
Dental 24 Pays
Employee Only$15.73
Employee + Spouse$29.84
Employee + Child(ren)$29.08
Employee + Family$43.21

FIND A DENTIST

www.GuardianAnytime.com


Network DentalGuard Preferred
1-800-600-1600

VISION BENEFIT SUMMARY IN-NETWORK

(Scroll sideways to see all options)

 Benefit Summary In-Network
Benefit Summary In-Network
CopayBenefit Frequency
Eye Exam and Materials$20 copayOnce every calendar year
Lenses100% for single vision, bifocal, trifocal, lenticularOnce every calendar year
Contact Lenses
(in lieu of eyeglass lenses and/or frames)

Elective: Allowance up to $150
Medically Necessary: Paid in Full
Evaluation & Fitting: up to $60
Once every calendar year
FramesAllowance of $150 and 20% discount off amount over $150Once every two calendar years
NetworkFind An Eye Doctor
www.VSP.com - (888) 600-1600
VSP
Out-of-Network BenefitsOut-of-network benefits are allowed. However, copays and maximums are less. Employees using out-of-network providers may be responsible for additional fees.
 Benefit Summary In-Network
Benefit Summary In-Network
CopayBenefit Frequency
Eye Exam and Materials$20 copayOnce every calendar year
Lenses100% for single vision, bifocal, trifocal, lenticularOnce every calendar year
Contact Lenses
(in lieu of eyeglass lenses and/or frames)

Elective: Allowance up to $150
Medically Necessary: Paid in Full
Evaluation & Fitting: up to $60
Once every calendar year
FramesAllowance of $150 and 20% discount off amount over $150Once every two calendar years
NetworkFind An Eye Doctor
www.VSP.com - (888) 600-1600
VSP
Out-of-Network BenefitsOut-of-network benefits are allowed. However, copays and maximums are less. Employees using out-of-network providers may be responsible for additional fees.

No ID Card Needed

Your vision provider only needs your social security number and your Group ID #560599 to confirm you eligibility.

Dental 24 Pays
Vision 24 Pays
Employee Only$4.98
Employee + Spouse$8.38
Employee + Child(ren)$8.55
Employee + Family$13.53
Dental 24 Pays
Vision 24 Pays
Employee Only$4.98
Employee + Spouse$8.38
Employee + Child(ren)$8.55
Employee + Family$13.53

LIFE INSURANCE BENEFITS

Basic Life & Accidental Death & Dismemberment (AD&D)

We provide basic life and accidental death and dismemberment insurance at no cost for our employees.

BenefitsDetails
BenefitsDetails
Coverage Amount$25,000
Insurance CarrierGuardian
Portability/ConversionAllows the employee to take the coverage with them if employment has ended (application timeline and age limitations apply, see Human Resources)
Age Reduction Rule50% at age 70; 70% at age 75; 80% at age 80; 85% at age 85

Beneficiary Designation is the person you designate to receive your life insurance benefits in the event of your death. During your enrollment, you will be asked to provide a primary and contingent beneficiary.

Voluntary Life & Accidental Death & Dismemberment (AD&D)

Employees can purchase additional life insurance at group rates.  Rates are age banded based on $1,000 of covered benefit.  Annual Election Option allows employees to increase the amount of their life insurance coverage without a medical exam.  This option allows employees to increase to an amount of up to $50,000 but not over the Guaranteed Coverage Amount.

BenefitsDetails
BenefitsDetails
Guaranteed Coverage Amount and Benefit MaximumsEmployee:
$100,000, less than 65 years old; $50,000, 65-69; $10,000, 70+
$10,000 minimum to $500,000 maximum ($10,000 increments)

Spouse:
$50,000, less than 65 years old; $10,000, 65-69; $0, 70+
$10,000 minimum to $250,000 maximum or up to 100% of employee coverage ($10,000 increments). Rates based on employee's age; Coverage terminates at age 70

Child:
$20,000 14 days old to age 26 years (if full time student)
$2,500 minimum to a $20,000 maximum ($2,500 increments). Birth to 14 days: $500
Insurance CarrierGuardian
Portability/ConversionAllows the employee to take the coverage with them if employment has ended (application timeline and age limitations apply, see Human Resources)
Age Reduction Rule50% at age 70; 70% at age 75; 80% at age 80; 85% at age 85
Evidence of InsurabilityEvidence of Insurability is required for employees that do not elect the benefit when initially eligible or for coverage amounts over the Guaranteed Issue amount.
BenefitsDetails
BenefitsDetails
Guaranteed Coverage Amount and Benefit MaximumsEmployee:
$100,000, less than 65 years old; $50,000, 65-69; $10,000, 70+
$10,000 minimum to $500,000 maximum ($10,000 increments)

Spouse:
$50,000, less than 65 years old; $10,000, 65-69; $0, 70+
$10,000 minimum to $250,000 maximum or up to 100% of employee coverage ($10,000 increments). Rates based on employee's age; Coverage terminates at age 70

Child:
$20,000 14 days old to age 26 years (if full time student)
$2,500 minimum to a $20,000 maximum ($2,500 increments). Birth to 14 days: $500
Insurance CarrierGuardian
Portability/ConversionAllows the employee to take the coverage with them if employment has ended (application timeline and age limitations apply, see Human Resources)
Age Reduction Rule50% at age 70; 70% at age 75; 80% at age 80; 85% at age 85
Evidence of InsurabilityEvidence of Insurability is required for employees that do not elect the benefit when initially eligible or for coverage amounts over the Guaranteed Issue amount.

INCOME PROTECTION BENEFITS

Other than medical and life insurance, disability insurance is one of the most important benefits you can elect. If you are disabled and unable to work, short term and long term disability insurance can help replace lost income and make a difficult time a little easier. Disability benefits are available to full-time employees. PTO/vacation time may be required to meet the elimination period before benefits begin. Evidence of Insurability is required for employees that do not elect the disability benefits when initially eligible for coverage.

DetailsShort Term DisabilityLong Term Disability
DetailsVoluntary Short Term DisabilityContributory Long Term Disability
Benefit60% of your pre-disability base salary plus bonus and/or commission to a maximum weekly benefit of $1,50060% of your pre-disability base salary plus bonus and/or commission to a maximum monthly benefit of $10,000
Waiting (Elimination) PeriodBenefits begin 15th day accident/15th day illnessBenefits begin after 180 days
Benefit Duration24 weeks after elimination periodNormal Social Security Retirement Age
Benefits Based OnYour own occupationYour own occupation for the first 24 months; any occupation thereafter
Pre-existing Conditions LimitationAny condition/symptom for which you, for three months prior to the coverage in this plan, consulted with a physician, received treatment, or took prescribed drugs. Coverage exclusion for the pre-existing condition applies for the first 12 months of coverage.Any condition/symptom for which you, for three months prior to the coverage in this plan, consulted with a physician, received treatment, or took prescribed drugs. Coverage exclusion for the pre-existing condition applies for the first 12 months of coverage.
Contribution100% Employee Paid50% Employer Paid/50% Employee Paid
Insurance CarrierGuardianGuardian
Evidence of InsurabilityEvidence of Insurability is required for employees that do not elect the benefit when initially eligible.Evidence of Insurability is required for employees that do not elect the benefit when initially eligible.

ADDITIONAL BENEFITS

Critical Illness Insurance

Employees can purchase additional coverage for covered conditions and receive a lump sum payment. Payments are for first and second diagnosis of any qualified Critical Illnesses listed under the plan’s covered conditions. Benefits are paid directly to the insured and can be used under their discretion for medical or household expenses. See summary for additional details.

BenefitsDetails
DescriptionScheduled Benefit
Guaranteed Coverage and Benefit MaximumsEmployee:
$20,000 (choose lump sum benefit of $10,000 to $20,000)

Spouse:
$10,000 (Choose a lump sum benefit of $5,000 to $10,000 in increments of $5,000 up 50% of the employee benefit)

Child:
25% of employee benefit
Covered ConditionsFIRST OCCURRENCE / SECOND OCCURRENCE

Cancer—Invasive:
100%/100%

Cancer—Carcinoma in situ:
30%/0%

Heart Attack:
100%/50%

Major Organ Failure:
100%/50%

Stroke:
100%/50%

Childhood Conditions (cerebral palsy, cleft lip, Down syndrome, Muscular Dystrophy):
100%/0%
Wellness Benefit$50 benefit for each covered person who has an eligible health screening test performed, once per calendar year.
Insurance CarrierGuardian
Pre-existing Condition Limitation3 month look back period, 12 month exclusion period
PortabilityAllows the employee to take the coverage with them if employment has ended (application timeline and age limitations apply, see Human Resources)
Evidence of InsurabilityEvidence of Insurability is required for employees that do not elect the benefit when initially eligible.

Critical Illness policies have exclusions and limitations that may impact the eligibility for or entitlement to benefits under each covered condition. The certificate of coverage provides full details. This policy will not pay for diagnosis of a listed critical illness that is made before the covered person’s Critical Illness insurance effective date with the carrier.

  • Premiums will be calculated by age with benefit options in Employee Navigator
  • Spouse rate is based on the employee’s age bracket
  • Child cost is included in the employee election

Accident Insurance

Accident Insurance is available to our employees and eligible dependents. The coverage is for on and off the job accidents and is payable if the service, treatment or procedure is due to injuries incurred in a covered accident.

BenefitsDetails
BenefitsDetails
Accidental DealthEmployee: $25,000
Spouse: $12,500
Child: $5,000
Covered Accidents/ExpensesAccidental Dismemberment, Air Ambulance expenses, Ambulance expenses, Blood, Accidental Burns, Child Organized Sports, Concussions, Dislocations, Fractures, Hospital ICU Admission, Lacerations, (see plan highlights on Employee Navigator for a complete list and benefits)
Wellness Benefit$50 per year for completing certain routine wellness screenings or procedures (see plan highlights for example procedures)
Examples of Covered Conditions Chiropractic Visits: $50 per visit up to 6 visits
Concussions: $200
Fractures: Schedule up to $6,000
Hospital Admission: $1,000
Laceration: Schedule up to $400
Insurance CarrierGuardian
PortabilityAllows the employee to take the coverage with them if employment has ended (application timeline applies, see Human Resources)

Accident policies have exclusions and limitations that may impact the eligibility for or entitlement to benefits under each covered accident. The certificate of coverage provides full details. This policy will not pay for diagnosis of a listed accident that occurs before the covered person’s Accident insurance effective date with the carrier. Exclusions include, but not limited to, accident related to covered person being legally intoxicated, armed aggression, service in the armed forces, suicide or attempted suicide, travel, air travel, professional sports, hang gliding, bungee jumping, parachuting, ballooning, substance abuse, etc.

Payroll Contributions 24 Pays
Payroll Contributions 24 Pays
Employee$7.88
Employee + Spouse$12.45
Employee + Child(ren)$13.04
Employee + Family$17.60

Employee Assistance Program (EAP)

This is provided to you at NO COST and is confidential. We care about you and your family’s total health management. For that reason, we are providing you access to an Employee Assistance Program at no cost to you.

Employee Assistance Program (EAP) Consultative Services

Face-to-face counseling – up to 3 visits per employee/household member per issue

Telephonic Counseling – unlimited, 24/7 consultations with master’s and doctoral-level counselors

Bereavement – support available through telephonic or face-to-face sessions; online resources available on EAP website

Online Modules and Coaching – learn, develop, and practice new skills to improve mental fitness; includes a well-being check, online modules selected specifically for you, and up to 3 coaching sessions

EAP Website Resources – comprehensive website that includes articles, videos, FAQs, etc.; additionally, individuals can chat online with an EAP consultant or email an EAP counselor through the website

Work/Life Assistance & Resources

Work/Life services – unlimited 24/7 access to Work/Life specialists (subject matter experts) in the areas of: family and care giving, health and wellness, emotional well-being, daily living, balancing work and life responsibilities

Child and Elder Care Referral – unlimited telephonic consultation with a Work/Life specialist (part of Work/Life services)

Employee discounts – access to discounts on a large number of products and services, from gym memberships to dental, vision and pharmacy items, entertainment, restaurants, computers, cars, and much more

Medical Bill Negotiation Tools – information and guidance on negotiating medical bills

Resources For Managers

Introductory employee orientation – complimentary webinars with on-site orientation available for additional hourly fees

Employee Assistance Program (EAP) Consultative Services*

Legal Consultation – unlimited telephonic support and free initial 30-minute face-to-face consultation with an attorney; with a 25% discount on attorney services thereafter; online legal forms; extensive online law library

Financial Consultation – unlimited telephonic support for financial problems or planning needs: 30 days of financial coaching; extensive online financial library and calculators

ID Theft – free consultation with a trained Fraud Resolution specialist who will assist with ID theft resolution and education; ID theft educational materials available online

Will Preparation – online self-service documents available on EAP website: 30-minute consultation (part of Legal Consultation offering) can be used for estate planning/will preparation

Legal Document Preparation – online self-service documents availabe on the EAP website

Tax Consultation – tax questions only can be answered as part of the Financial Consultation offering

Online Self-Service Documents – examples include, but are not limited to living trust, will, power of attorney, deeds

Your EAP is WorkLifeMatters provided by the Guardian Life Insurance Company of America and Uprise Health

Phone (24/7):
1-800-386-7055

Email:
eapcounselor@uprisehealth.com

Web:
www.ibhworklife.com
User Name: Worklife
Password: 70101


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.