Employee Benefits Guide 2023 Here’s to a healthier you!
Table of Contents
Enrollment Information 4
Qualifying Life Event 5 Medical Plans 6 Telehealth 7 Health Savings Account (HSA) 8 Delta Dental Plan 9
Introduction
Whether you are a new employee enrolling in benefits for the first time or considering changes during open enrollment, this guide is designed to help you through the process.
Arizona REALTORS® is proud to offer you a broad range of benefit options. You can choose from a number of plans including medical, dental, vision, life insurance and voluntary supplement programs. In addition, we provide health care and dependent care reimbursement accounts to assist employees in managing their out-of-pocket expenses with before-tax dollars.
Please take the time to read this information and ask questions so you can make the best benefits decisions for both you and your family.
Vision Plan 10 Disability Information 11 Life/AD&D Insurance 11 Value Added Benefits 12 Employee Rate Worksheet 13 Important Phone Numbers 14
If you should have any questions:
1. Contact the carrier directly. Phone number and website information is on page 14.
2. Contact Deborah Matzen, 602.248.7787 ext. 1462 or deborahmatzen@aaronline.com
This booklet highlights important features of Arizona REALTORS®’s benefits for its benefit eligible employees. While efforts have been made to ensure the accuracy of the information presented, in the event of any discrepancies, your actual coverage and benefits will be determined by the legal plan documents and the contracts that govern these plans.
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Enrollment Information
OPEN ENROLLMENT
Open Enrollment is from November 21 through December 5, 2022. This is your one time per year to make changes.
Even if you are not making changes to your current enrollment, you will still need to complete a Blue Cross enrollment form.
If you are currently participating in the medical/ dependent FSA, you will need to re-elect an amount for the new plan year. Only PPO 2500 plan partici pants are eligible to enroll in the Medical FSA.
HSA 3000 plan participants are eligible to contrib ute to the Health Savings Account (HSA) with Health Equity and are not eligible to enroll in the Medical FSA.
NEW EMPLOYEES
New Employees have 31 days from your hire date to complete enrollment in the group insurance program. If you have moved from a non-benefits eligible status to a benefits eligible status, you will have 31 days from the new benefits eligible status to complete your enrollment. All insurance coverage starts at the first of the month.
Remember, if elections are not made within the 31-day initial period of eligibility, you will be required to wait until Annual Open Enrollment or until a Qualifying Life Event takes place. Late Enrollees will be required to complete an evidence of insurability form for voluntary life insurance. You may be turned down for these benefits if you do not enroll within your first 31 days as a new hire.
PRE-TAX VS POST-TAX DEDUCTIONS
Pre-Tax Dollars: Your insurance premiums are paid with money removed from your gross wages prior to any tax calculations. This reduces your tax liability and is a more efficient way to pay for premiums. Remember, you must choose pre-tax deductions for all your benefits to participate in a flexible spending account. You may elect to opt-out of this method of paying.
Post-Tax Dollars: Some insurance premiums may be paid after taxes. Please contact Deborah Matzen for more information related to the specific premiums that are deducted post-tax.
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Qualifying Life Event
The elections you make during Open Enrollment or at your initial benefits eligibility will remain in effect for the plan year (January 1 though December 31, 2023).
During that time, if your life or family status changes according to the recognized events listed below, you are permitted to revise your benefits coverage to accommodate your new status. You may make benefits changes by contacting the Benefits Depart ment and providing the proper documentation.
IRS regulations govern under what circumstances you may make changes to your benefits, which benefits you can change and what kinds of changes are permitted.
■ All changes must be consistent with the qualify ing life event.
■ In some cases, you may change your benefit plan and modify the level of coverage (such as add or delete a dependent).
Any changes in benefit levels must be completed within 31 days of the qualifying life event.
COBRA
In most cases, if your employment ends, benefits will terminate on the last day of the month in which you worked. Benefits will end on the day of termination in cases of employee fraud.
Through federal legislation known as the Consoli dated Omnibus Budget Reconciliation Act of 1985 (COBRA), you may choose to continue coverage by paying the full monthly premium cost plus an administrative charge of 2% (if applicable).
Each individual who is covered by an Arizona REALTORS® benefit plan immediately preceding the employee’s COBRA event has the right to continue his or her medical, dental, vision, or Flexible Spending Accounts (FSA) plan.
The right to continuation of coverage ends at the earliest of the date:
■ you, your spouse or dependents become covered under another group health plan; or,
■ you become entitled to Medicare; or, ■ you fail to pay the cost of coverage; or ■ your COBRA Continuation Period expires
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QUALIFYING LIFE EVENTS LIST Marital Status Changes Covered Dependent Changes ■ Marriage ■ Death of spouse ■ Divorce ■ Spouse gains or loses coverage from another source ■ Spouse employer’s Open Enrollment ■ Birth or adoption of a child ■ Death of dependent child ■ Dependent becomes ineligible for coverage
Deductibles
Individual $2,500 $3,000 Family $5,000 $6,000 Coinsurance 0% 20%
Out-of-Pocket Maximum Individual $3,750 $5,500 Family $7,500 $11,000
Hospital Services
Inpatient Hospital Deductible, then 0% Deductible, then 20% Outpatient Hospital Deductible, then 0% Deductible, then 20% Emergency Room $400 Facility Copay per day Deductible, then 20% Urgent Care $60 Copay Deductible, then 20%
Plans
In Network In Network
Maximum Unlimited
Calendar Year Unlimited
Medical
PPO 2500 HSA 3000
Lifetime
Unlimited
Unlimited
Routine Services
$15 Copay
Tier 2 $55
Tier 3 $85
Tier 4 $150
2 x Retail
Find a Doctor in the Blue Cross Statewide PPO Network: azblue.com or to access Mayo Clinic providers, register/login at azblue.com/member. Members register at: azblue.com/member. 6
Office Visit $25 Copay Deductible, then 20% Specialist Visit $60 Copay Deductible, then 20% Preventive Care Covered in Full Covered in Full Lab & X-Ray Copay or Deductible, then 0% Deductible, then 20% Prescription Drugs Tier 1
Deductible, then 20%
Copay Deductible, then 20%
Copay Deductible, then 20%
Copay Deductible, then 20% Mail-Order
Deductible, then 20%
Online Doctor Visits
Online Doctor Visits Any Day, Any Time
Telehealth Online Doctor Visits Any Day, Any Time
Any Day, Any Time
Online Doctor Visits
Any Day, Any Time
Take advantage of the flexible, affordable, and convenient healthcare using the BlueCare AnywhereSM telehealth app. When your primary doctor is not available, you can visit with a provider, counselor, or psychiatrist any day, any time—from your smartphone, computer, or tablet.
Take advantage of the flexible, affordable, and convenient healthcare using the BlueCare AnywhereSM telehealth app. When your primary doctor is not available, you can visit with a provider, counselor, or psychiatrist any day, any time—from your smartphone, computer, or tablet.
Three Types of Telehealth Care Available
Three Types of Telehealth Care Available
MEDICAL
Take advantage of the flexible, affordable, and convenient healthcare using the BlueCare AnywhereSM telehealth app. When your primary doctor is not available, you can visit with a provider, counselor, or psychiatrist any day, any time—from your smartphone, computer, or tablet.
Providers can treat a range of common illnesses, aches, and pains. They can also prescribe medication when necessary.
MEDICAL
Providers can treat a range of common illnesses, aches, and pains. They can also prescribe medication when necessary.
Take advantage of the flexible, affordable, AnywhereSM telehealth app. When your primary provider, counselor, or psychiatrist any day,
Three Types of Telehealth Care Available
COUNSELING
COUNSELING
MEDICAL
Licensed psychologists or counselors can treat issues such as mental health and substance abuse which can affect emotional, psychological, and social well-being. This is available by appointment only.
Licensed psychologists or counselors can treat issues such as mental health and substance abuse which can affect emotional, psychological, and social well-being. This is available by appointment only.
Three Types of Telehealth Care Available
Providers can treat a range of common illnesses, aches, and pains. They can also prescribe medication when necessary.
PSYCHIATRY
Board-certified psychiatrists are available for assessments, evaluation, treatment, and can prescribe medication. This is available by appointment only.
MEDICAL
PSYCHIATRY
COUNSELING
Licensed psychologists or counselors can treat issues such as mental health and substance abuse which can affect emotional, psychological, and social well-being. This is available by appointment only.
Providers can treat a range of common prescribe medication when necessary.
Board-certified psychiatrists are available for assessments, evaluation, treatment, and can prescribe medication. This is available by appointment only.
COUNSELING
DOWNLOAD THE BlueCare Anywhere MOBILE APP OR VISIT BlueCareAnywhereAZ.com.
PSYCHIATRY
DOWNLOAD THE BlueCare Anywhere MOBILE APP OR VISIT BlueCareAnywhereAZ.com.
Licensed psychologists or counselors substance abuse which can affect This is available by appointment
Board-certified psychiatrists are available for assessments, evaluation, treatment, and can prescribe medication. This is available by appointment only.
PSYCHIATRY
Board-certified psychiatrists are and can prescribe medication. This
DOWNLOAD THE BlueCare Anywhere MOBILE APP OR VISIT BlueCareAnywhereAZ.com
THE BlueCare APP OR VISIT BlueCareAnywhereAZ.com
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Online
Any
Time
DOWNLOAD
Doctor Visits
Day, Any
Estimated Member Costs COPAY PLANS HSA-QUALIFIED PLANS $0 $20 $20-$45 $64 $90-$115 $95-$250 MEDICAL VISIT COUNSELING VISIT PSYCHIATRIC VISIT BlueCare Anywhere Telehealth Type of Visit
Health Savings Account (HSA)
If you choose to enroll in the High Deductible Health Plan (HDHP), you will have the option of opening an H.S.A. provided by HealthEquity. An H.S.A. is a tax advantaged savings and spending account that can be used to pay for qualified health care expenses.
THERE ARE TWO COMPONENTS TO AN H.S.A.-BASED COVERAGE PLAN:
1. A qualified health plan is the insurance compo nent that provides medical coverage to you and your family. This health plan includes a deduct ible of $3,000 if you enroll under single coverage with no more than 2 deductibles per family.
2. An HSA with HealthEquity which can be funded by pre-tax payroll contributions.
Questions? Visit www.healthequity.com or contact HealthEquity at 866.346.5800.
HOW AN H.S.A. WORKS:
1. Enroll in the HSA 3000
2. Contribute to your H.S.A. by payroll deductions on a pre-tax basis:
■ Up to $3,850 for single coverage
■ Up to $7,750 if you enroll a dependent
■ An additional $1,000 if you are age 55 or older
The money contributed to the account is yours to keep and will roll over year after year –no ‘use it or lose it’ rule!
3. With your HSA debit card, use your HSA funds to pay for qualified expenses such as:
■ doctor and hospital visits
■ chiropractor
■ dental treatment
■ hearing aids
H.S.A. ELIGIBILITY
■ glasses/ contacts
■ prescriptions ■ over the counter medicines
■ menstrual care products
To make tax-free contributions to an H.S.A., the IRS requires that:
■ You are covered by an H.S.A qualified plan (such as the HSA 3000)
■ You are not enrolled in any other plan that is not considered a High Deductible Health Plan.
■ You are not enrolled in Medicare, medical FSA or have other military health benefits.
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Delta Dental Plan
PPO NETWORK PREMIER NETWORK
In Network
Annual Deductibles
Individual $50 Family $150 Annual Plan Maximum $1,500
Benefits
Type 1 - Preventive Services 100%
Type II - Basic Services 90%
Type III - Major Services 60%
Orthodontic Benefits
Orthodontia Age Limitation 8 to Adult Lifetime Maximum 50% to $1,000 Adult Orthodontia Included
Other Benefits
Periodontic Coverage 90% Endodontic Coverage 90%
In Network
Annual Deductibles
Individual $50 Family $150 Annual Plan Maximum $1,500
Benefits
Type 1 - Preventive Services 100%
Type II - Basic Service 80%
Type III - Major Services 50%
Orthodontic Benefits
Orthodontia Age Limitation 8 to Adult Lifetime Maximum 50% to $1,000 Adult Orthodontia Included
Other Benefits
Periodontic (Non-Surgical) 80% Endodontic (Root Canal) 80%
*Out of Network services is reimbursed at the 51st percentile of Reasonable & Customary. Refer to your plan summary for out of network percentages. 9 All dental plans include preventive services and office visits.
10 Vision Plan EYEMED VISION PLAN Select Network Out of Network Exam $25 Copay Reimbursed to $30 Frequency Every 12 Months Every 12 Months Lenses Covered 100% Reimbursed to $25 to $60 Single/Bifocal/Trifocal/ after $25 copay depending on lens Lenticular Frequency Every 12 Months Every 12 Months Frames $100 Allowance, 20% off balance Reimbursed to $50 Frequency Every 12 Months Every 12 Months Contact Lenses Medically Necessary Medically Necessary (In lieu of frames) Covered in Full Reimbursed to $200 Elective Elective $105 Allowance + 15% off balance Reimbursed to $84 Frequency Every 12 Months Every 12 Months All standard lenses are covered.
Disability Information
Disability coverage can be one of the most important benefits you have. It provides you and your family with financial protection if you are ever unable to work due to an illness or non-work related injury.
LONG TERM DISABILITY
Arizona REALTORS® pays the cost of the Unum Long Term Disability plan for all benefit eligible employees.
Waiting Period: 30 days Benefit Amount: 60% of monthly income up to $4,000 per month Benefit Period: Social Security Normal Retirement Age
Life/AD&D Insurance
BASIC LIFE INSURANCE AND AD&D
Arizona REALTORS® pays 100% of the Unum Term Life Insurance Plan which provides you protection for those who depend on you financially.
Coverage for each benefit eligible employee is one times your annual salary (subject to the guarantee issue limit of $160,000). This plan also pays one times your annual salary in Accidental Death and Dismemberment (AD&D) if you are seriously injured or die in an accident (also subject to the guarantee issue limit of $160,000). New hires should complete a beneficiary form found in the Unum packet and current employees may contact HR to change their beneficiary at any time.
VOLUNTARY LIFE INSURANCE AND AD&D
Special Offer During Open Enrollment*
You may purchase up to the guarantee issue amounts of $50,000 Employee Life, $15,000 Spouse Life and $10,000 Child Life without medical underwriting if you are currently enrolled under Employee, Spouse or Child Life and if you have not been previously declined by Unum.
Purchase up to $500,000 in $10,000 increments not to exceed 5 times salary Guarantee Issue: $50,000
Purchase up to $100,000 in $5,000 incre ments not to exceed 100% of the Employee Amount Guarantee Issue: $15,000
Purchase up to $10,000 in $2,000 incre ments not to exceed 100% of Employee Amount
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Employee Spouse Child(ren)
Value Added Benefits
EMPLOYEE ASSISTANCE PROGRAM
Unum provides EAP services at no cost to employees and their families in the form of short term counsel ing, legal and financial consultations 7 days a week, 24 hours a day. You can speak to a master’s level consultant by calling 800.854.1446. A counselor will help clarify your need, evaluate options and create an action plan. Up to 3 face to face meetings are available per issue.
If additional face to face consultations are needed, a representative will assist you in finding a local professional in the Blue Cross Blue Shield of Arizona network.
VOLUNTARY AFLAC PLANS
American Family Life Assurance Company (AFLAC) is pleased to offer Arizona REALTORS® employees and qualified dependents the opportunity to elect coverage into different Aflac policies. A few things to remember about these policies:
■ An AFLAC policy is separate from the other policies listed in this book. Aflac does not replace your medical insurance coverage.
■ AFLAC pays you directly, no matter what other insurance you may have.
■ You can enroll in one or all of the policies and are eligible to participate in these policies the first of the month following date of hire.
To enroll in these policies, you must contact Karen (Jones) Stocking at 602.989.0123.
ACCIDENT INDEMNITY ADVANTAGE: This plan pays cash benefits in the event of an accidental injury that needs emergency treatment.
HOSPITAL INDEMNITY: This plan pays cash benefits in the event of a hospitalization.
CANCER INDEMNITY PLANS: These plans pay cash benefits for an individual diagnosed with internal cancer.
CRITICAL CARE INDEMNITY: These plans pay a cash benefit for an individual for a specific diagnosis.
FLEXIBLE SPENDING ACCOUNTS
Arizona REALTORS® offers a health care Flexible Spending Account. A Health FSA is an employer sponsored account that employees use to pay or reimburse their qualified medical expenses, their spouse’s qualified medical expenses or their tax dependents’ qualified medical expenses on a tax free basis. Employees may contribute up to $3,050 in 2023.
Arizona REALTORS® also offers a dependent care Flexible Spending Account. This is a separate account from the Health FSA. The funds in this account can be used to pay for the care of dependent children under the age of 13, a day care provider, or before or after school programs. It may also be used to care for a disabled spouse, parent or child over the age of 12. The annual contribution limit for a dependent care FSA is $5,000. Money in this FSA is not available until deposited by the employee.
Under health or dependent care FSAs, there is a “Use it or Lose it’ rule. Employees must use their FSA funds by the end of the plan year or the funds will be forfeited. Unused FSA funds cannot be carried over to the next year. The health and dependent care FSA is administered by WageWorks.
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13 Employee Rate Worksheet Use this worksheet to provide a general estimate of your benefits costs for the upcoming plan year. This is a great place to start planning for you and your family’s health and wellness for next year. MEDICAL PLANS DENTAL PLAN PPO 2500 HSA 3000 BASE EYEMED VISION PLAN 24 PAYS $ 94.00 $563.13 $445.85 $954.08 24 PAYS $ 0.00 $356.34 $267.25 $653.29 24 PAYS $0.00 $22.74 $28.94 $41.16 EMPLOYEE ONLY EMPLOYEE & SPOUSE EMPLOYEE & CHILDREN EMPLOYEE & FAMILY EMPLOYEE ONLY EMPLOYEE & SPOUSE EMPLOYEE & CHILDREN EMPLOYEE & FAMILY 24 PAYS $0.00 $1.85 $2.05 $3.98
Important Phone Numbers
MEDICAL
Blue Cross 602.864.4197 azblue.com/member
DELTA DENTAL PPO 800.352.6132 deltadentalaz.com
EYEMED VISION 866.299.1358 eyemed.com
UNUM LIFE/DISABILITY 800.275.8686 unum.com
AFLAC
Karen (Jones) Stocking 602.229.1970 voluntarybenefitconsultants@gmail.com
FSA INQUIRIES
Health Equity 877.924.3967
HSA INQUIRIES
Health Equity 1.866.346.5800
CAPITAL FINANCIAL (BROKER)
Julie Roden 480.900.6816 julie@cfplc.com
UBS FINANCIAL SERVICES, INC.
Bill Sobers, CRPS 973.420.6682 bill.sobers@ubs.com
MEDICARE ASSISTANCE
Karen (Jones) Stocking 602.527.4058 karen@abiinsurancegroup.com
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About this booklet
This booklet highlights important features of Arizona REALTORS’s benefits for its benefit eligible employees. While efforts have been made to ensure the accuracy of the information presented, in the event of any discrepancies your actual coverage and benefits will be determined by the legal plan documents and the contracts that govern these plans.
Capital Financial 14614 N. Kierland Blvd., Suite N230, Scottsdale, AZ 85254 Office / 480.347.0926 Fax / 480.360.6417
