Employee Benefits Guide 2023 Here’s to a healthier you!
Introduction
Whether you are a new employee enrolling into your benefits for the first time or considering your bene fits during open enrollment, this guide is designed to help you through the process.
Arizona Technology Council is proud to offer a bene fits package that includes medical, dental and vision insurance coverage for you and your dependents.
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.
Contents
If you should have any questions: 1. Contact the carrier directly. Phone number and website information is on page 14. 2. Contact Laura DeGeorge at 602.491.9922 or ldegeorge@aztechcouncil.org. This booklet highlights important features of Arizona Technology Council’s benefits for it’s 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 docu ments and the contracts that govern these plans.
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Table of
Introduction 2 Enrollment Information 3 Qualifying Life Event
COBRA
Medical Plan Information 5 2023 BCBS of Arizona Medical Plans 6 Health Savings Account (HSA) 7 Telehealth 8 Dental Plan 9 Vision Plan ......................................................................................... 10 MetLife Life Insurance................................................................. 11 Employee Rate Sheet 12 Employee Assistance Program 13 Important Phone Numbers 14
Enrollment Information
OPEN ENROLLMENT
Open Enrollment for current employees is from December 6th through December 12th. This is your one time per year to make changes.
All benefit eligible employees are required to elect coverage via Arizona Technology Council’s enroll ment form. Any coverage not actively selected will be considered a waiver of coverage.
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 31day initial period of eligibility, you will be required to wait until Annual Open Enrollment or until a Qual ifying Life Event takes place. Late Enrollees may be required to satisfy a waiting period for the dental plan for certain services.
PRE-TAX VS POST-TAX DEDUCTIONS
Pre-Tax Dollars: Your medical, dental and vision 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.
Post-Tax Dollars: If you elect to enroll in the Sup plemental Term Life benefit, your premiums will be deducted from your gross pay after taxes are de ducted.
Qualifying Life Event
The elections that you make during Open Enrollment or at initial benefits eligibility will remain in effect for the plan year (January 1, 2023 - 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 ac commodate your new status. You may make bene fits changes by contacting the Benefits Department and providing the proper documentation.
IRS regulations govern under what circumstances you may make changes to your benefits, which ben efits you can change and what kinds of changes are permitted.
✓ All changes must be consistent with the qualifying life event.
✓ In most cases, you cannot change your benefit plan, but may modify the level of your coverage (in other words, you can add or delete depen dents, enroll or dis-enroll yourself or dependents, but not switch insurance carriers or plans). 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 stopped working. 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 ad ministrative charge of 2% (if applicable).
Each individual who is covered by an Arizona Tech nology Council benefit plan immediately preceding
QUALIFYING LIFE EVENTS LIST
Marital Status
Changes
Divorce ■ Spouse gains or loses coverage from anoth er source
■ Spouse employer’s ■ Open Enrollment
■ Birth or adoption of a child
Covered Dependent Changes ■ Marriage ■ Death of spouse
■ Death of dependent child
■ Dependent becomes ineligible for cover age
the employee’s COBRA event has the right to con tinue his or her medical, dental or vision 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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Medical Plan Information
BCBS of AZ Statewide PPO Network (including Mayo Clinic)
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BlueCare Anywhere
Arizona Technology Council
AZ Technology Council Association Health Program
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The networks Arizona Technology Coun cil will use for hospitals and physicians for their medical plans.
The virtual visit (telemedicine) provider for the medical plans from BCBS of AZ.
The association that Arizona Technology Council is a part of to bring robust benefit options to it’s employees
SUMMARY
Medical benefits provide you and your family access to quality health care. Arizona Technology Council offers three comprehensive medical plans that you may choose from for yourself or for yourself and your de pendents. The medical plans are provided through the Arizona Technology Council (AZTC). AZTC contracts with Blue Cross Blue Shield of Arizona to use their PPO plans with the Statewide Network (including Mayo Clinic). The medical plans provide major medical coverage to include hospitalization, physician and emergen cy room visits, prescriptions, telemedicine (BlueCare Anywhere) and more.
To search for a Blue Cross Blue Shield of Arizona PPO provider in the Statewide Network (including Mayo Clinic), visit azblue.com/member after you are enrolled to register for your online member portal or call 602.864.4400
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6 2023 BCBS of Arizona Medical Plans
PPO80/1000(MidPlan)
In Network In Network In Network Network Statewide PPO + Mayo Clinic Statewide PPO + Mayo Clinic Statewide PPO + Mayo Clinic Lifetime Maximum Unlimited Unlimited Unlimited Calendar Year Unlimited Unlimited Unlimited Deductibles Individual $500 $1,000 $3,500 Family $1,000 $2,000 $7,000 Coinsurance 80% 80% 100% Out-of-Pocket Max Individual $4,000 $4,500 $3,500 Family $8,000 $9,000
Hospital Services Inpatient Hospital 20% After Deductible 20% After Deductible No Charge After Deductible Outpatient Hospital 20% After Deductible 20% After Deductible No Charge After Deductible Emergency Room $350 Copay $350 Copay No Charge After Deductible Urgent Care $50 Copay $50 Copay No Charge After Deductible Routine Services Office Visit $25 Copay $25 Copay No Charge After Deductible Specialist Visit $50 Copay $50 Copay No Charge After Deductible Preventive Care Covered In Full Covered In Full Covered In Full Lab & X-Ray Copay OR 20% After Deductible Copay OR 20% After Deductible No Charge After Deductible Prescription Drugs Tier 1 $15 Copay $15 Copay No Charge After Deductible Tier 2 $45 Copay $45 Copay No Charge After Deductible Tier 3 $75 Copay $75 Copay No Charge After Deductible Tier 4 $130 Copay $130 Copay No Charge After Deductible Mail Order 2x Copay 2x Copay No Charge After Deductible
PPO80/500(Buy-UpPlan)
HSA100/3500(BasePlan)
$7,000
Health Savings Account (HSA)
If you choose to enroll in the HSA 100 / 3500 medical plan, you will have an HSA provided to you. An HSA 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 HSA-BASED COVERAGE PLAN:
1. A qualified health plan is the insurance component that provides medical coverage for you and your family. You can choose the HSA 100 / 3500 plan.
HOW AN HSA WORKS:
2. An HSA is the banking component which can be funded by pre-tax payroll contributions from you.
1. Enroll in the HSA 100 / 3500 plan offered by Arizona Technology Council 2. Contribute to your HSA by payroll deductions or directly to your HSA account: For 2023, you may contribute up to $3,850 for self-only coverage or $7,750 for family coverage 3. With your HSA debit card, use those funds to pay for qualified expenses such as:
The money contributed to the account is yours to keep and will roll over year after year –no ‘use it or lose it’ rule!
HSA ELIGIBILITY
To make tax-free contributions to an HSA, the IRS requires that:
■ You are covered by an HSA-qualified medical plan (such as the HSA 100 / 3500 plan)
■ You have no other health coverage (such as other health plan, Medicare, military health benefits, medical FSA’s)
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■ copays ■ deductibles ■ chiropractor ■ dental treatment ■ hearing aids ■ glasses/ contacts ■ prescriptions
Telehealth
BlueCareAnywhere-24/7/365 on-demand access to affordable, quality healthcare for employees and dependents who are enrolled in any of the district medical plans. Anytime, Anywhere.
Regardless of the plan you choose you should never be without BlueCareAnywhere, the only 24/7 telehealth and wellness service designed for the modern family. Whenever you have an issue, simply connect with board-certified doctors, available by phone, video or chat. They are specially trained to diagnose, treat and prescribe medications for a wide variety of common medical conditions, helping you avoid the costly and time-consuming trips to the doctor or urgent care centers.
■ Talk to a real doctor, 24x7. No need to schedule an appointment or limit your visits.
■ Save money and time, while avoiding costly trips to a doctor’s office, urgent care or ER.
WHEN SHOULD I USE BLUECAREANYWHERE?
■ Instead of going to the ER or an urgent care center for a non-emergency issue ■ During or after normal business hours, nights, weekends and holidays
If your primary care physician is not available ■ To request prescriptions (when appropriate) ■ If traveling and in need of medical care
ARE MY CHILDREN ELIGIBLE?
WHAT CAN BE TREATED? ■ Acne ■ Allergies ■ Asthma ■ Bronchitis ■ Cold & Flu ■ Constipation ■ Diarrhea ■ Ear Infection ■ Fever BlueCareAnywhereAZ.com OR call 1.844.606.1612
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■ Headache ■ Insect Bite ■ Joint Aches ■ Nausea ■ Rashes ■ Sinus Infection ■ Sore Throat ■ UTI ■ And more! 8
Dental
Type
Type II
Type III
Major Services Crowns 50% 40% Dentures 50% 40% Bridges 50% 40% General Anesthesia 50% 40% Implants 50% 40%
Network Out of Network
Family
Annual Plan Maximum
+ Rollover
+
In
Individual $50 $50
$150 $150
$1,500
$1,500
Rollover
I (Deductible waived for Type I services) Diagnostic & Preventive Services Exams 100% 80% Cleanings 100% 80% Bitewing X-Rays 100% 80% Floride Treatment (To age 16 - one per calendar year) 100% 80%
Basic Services Amalgam & Composite Fillings 80% 60% Simple Extractions 80% 60% Periodontal Maintenance 80% 60% Root Canals 80% 60%
9 The Arizona Technology Council dental plan includes preventive services and office visits.
Plan BLUE CROSS BLUE SHIELD OF AZ BLUE PPO NETWORK
Vision Plan VSP VSP CHOICE NETWORK In Network Out of Network Exam $10 Copay Reimbursed to $45 Frequency Every 12 Months Every 12 Months Lenses Covered 100% Reimbursed to $65 Single/Bifocal/Trifocal with no copay depending on lens Frequency Every 12 Months Every 12 Months Frames $150 Allowance ($80 Allowance at Costco) Reimbursed to $70 Frequency Every 24 Months Every 24 Months Contact Lenses (instead of glasses) $150 Allowance Reimbursed to $105 Every 12 Months Every 12 Months Lasik Surgery Average 15% off the regular price or 5% off the promotional price Not covered Standard lenses are covered.
MetLife Life Insurance
BASIC LIFE INSURANCE AND AD&D
Arizona Technology Council pays 100% of the cost of this MetLife Term Life Insurance Policy. Coverage for each benefit eligible employee enrolled in one of the medical plans is a $25,000 Life and AD&D Benefit.
Life insurance provides protection for those who depend on you financially. Your need varies greatly
due to age, number of dependents, dependent ages and your financial situation. Accidental Death and Dismemberment (AD&D) benefits provide a benefit to you or your beneficiary if you are seriously injured or die in an accident.
VOLUNTARY SUPPLEMENTAL LIFE INSURANCE AND AD&D
You can also elect to purchase additional life insurance from MetLife for yourself, your spouse and child(ren).
■ Employee: $10,000 increments to a maximum of $500,000.
■ Spouse: $5,000 increments to a maximum of $250,000 not to exceed 50% of the employee’s Supplemental Life Benefit.
■ Child(ren) to age 19 (23 years old if full-time student): $2,500.
NOTE: If you are electing an amount above the Guaranteed Issue amount of $100,000 for an em
ployee or $50,000 for your spouse, you MUST com plete an Statement of Health form within 5 days of submitting your completed enrollment. Instructions for submitting your completed Statement of Health are included on the form.
EMPLOYEES ENROLLING AFTER INITIAL ELIGIBILI TY AT TIME OF HIRE (LATE ENTRANTS) or EMPLOYEES REQUESTING TO INCREASE COVERAGE: Any amount of coverage elected requires a Statement of Health. You MUST complete a Statement of Health within 5 days of submitting your completed enroll ment. Return instructions are included on the form.
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Employee Rate Sheet Use this sheet for your per-paycheck benefit costs for the upcoming plan year. This is a great place to start planning for your, and your family’s, health and wellness for next year. MEDICAL PLANS DENTAL PLAN VISION PLAN PPO 80 / 500 $34.38 $240.37 $188.87 $412.02 HSA 100 / 3500 $25.28 $176.67 $138.83 $302.84 PPO 80 / 1000 $31.35 $219.14 $172.19 $375.64 $1.35 $8.12 $12.52 $18.96 $0 $0 $0 $0 EMPLOYEE ONLY EMPLOYEE & SPOUSE EMPLOYEE & CHILDREN EMPLOYEE & FAMILY Voluntary Supplemental Life / AD&D rates and enrollment forms were provided to you separately. All prices are per payday based on 26 pays. 12
Employee Assistance Program
Arizona Technology Council
Your EAP is a confidential & professional resource-available 24/7-paid for byyour company and available to you and eligible dependents without cost. Benefits include:
COUNSELING ASSESSMENTS
Up to 3 in-person meetings with a counselor.
LEGAL SERVICES
Free initial 30-minute phone consultation; ongoing consultations with a lawyer at 25% off attorney’s regular fees; unlimited access to do-it-yourself legal documents online.
FINANCIAL SERVICES
Free initial 30-minute phone consultation, and access to financial calculators and resource documents.
ID THEFT VICTIM RESOURCES
Free initial 60-minute phone consultation, ID theft response kit, and prevention information.
DAILY LIVING INFORMATION SERVICES
Unlimited phone or live chat consultations/requests for finding consumer services and resources.
CHILDCARE & PARENTING RESOURCES
Unlimited phone or live chat consultations
OLDER ADULT & ELDERCARE RESOURCES
Unlimited phone or live chat consultations
WEBSITE ACCESS
Unlimited access to online resources including:
■ Live Chat with a resource consultant (for Child care, Eldercare & Daily Living)
■ Online referral request
■ Skill builders/online trainings
■ Well-being & productivity content
■ Monthly live & on-demand webinars
■ Search tools
For support: 1-866-607-4535 wellspringeap.org | username: AZTC
A service provided by
SUBSCRIPTIONS
Monthly emails featuring the webinar of the month, spotlight on an EAP benefit, and a feature article on well-being or productivity, with direct links to the web site.
WELLSPRING STRESS CENTER™
Unlimited access to an online stress management and prevention center, including instant relief tools and long term solutions.
IN-THE-MOMENT SUPPORT
24/7 access to a professional, masters level thera pist who will help you manage your distress, create a plan of action, & provide resources (which may include referrals for further services).
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Important Phone Numbers
Blue Cross Blue Shield of Arizona Medical/Dental 602.864.4400 www.azblue.com
BlueCare Anywhere Telehealth www.BlueCareAnywhereAZ.com or Download the BlueCare Anywhere app or Call 1.844.606.1612
MetLife
BasicLifeandSupplementalLifeInsurancew/AD&D 800.275.4638 www.metlife.com
VSP Vision 800.877.7195 www.vsp.com www.eyeconic.com to use your VSP benefit for glasses or contacts online
Laura DeGeorge Arizona Technology Council 602.491.9922 ldegeorge@aztechcouncil.org
Wellspring EAP
EmployeeAssistanceProgram 866.607.4535 www.wellspringeap.org Username: AZTC
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About this booklet
This booklet highlights important features of Arizona Technology Council’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
