Employee Benefits Guide 2023 - 2024
Introduction
Whether you are a new employee enrolling into your benefits for the first time or considering your benefits during open enrollment, this guide is designed to help you through the process.
Aspire Business Consultants is proud to offer a benefits 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.
If you should have any questions:
1. Contact the carrier directly. Phone number and website information is on page 13.
2. Contact Heather Jones at 602.881.2483 or heather@aspirebc.net.
This booklet highlights important features of Aspire Business Consultants’ 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 documents and the contracts that govern these plans.
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Table
Contents Introduction 2 Enrollment Information 3 Qualifying Life Event .................................................................... 4 COBRA ................................................................................................... 4 Medical Plan Information 5 2023-2024 BCBS of Arizona Medical Plans 6 BCBS Alliance Network 7 Telehealth Services 9 Dental Plan 10 Vision Plan .......................................................................................... 11 MetLife Life Insurance................................................................ 12 Employee Rate Sheet 13 Employee Assistance Program 14 Important Phone Numbers 15
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Enrollment Information
OPEN ENROLLMENT
Open Enrollment for current employees is from February 20th through February 26th. This is your one time per year to make changes.
All benefit eligible employees are required to elect coverage via Aspire Business Consultants’ enrollment 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 Qualifying 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 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 Supplemental Term Life benefit, your premiums will be deducted from your gross pay after taxes are deducted.
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Qualifying Life Event
The elections that you make during Open Enrollment or at initial benefits eligibility will remain in effect for the plan year (March 1, 2023 – February 29, 2024). 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 Department 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 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 dependents, 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.
QUALIFYING LIFE EVENTS LIST
Marital Status Changes
■ Marriage
■ Death of spouse
■ Divorce
■ Spouse gains or loses coverage from another source
■ Spouse employer’s
■ Open Enrollment
Covered Dependent Changes
■ Birth or adoption of a child
■ Death of dependent child
■ Dependent becomes ineligible for coverage
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 Consolidated 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 a Aspire Business Consultants benefit plan immediately preceding the
employee’s COBRA event has the right to continue 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
The networks Aspire Business Consultants 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 Aspire Business Consultants 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. Aspire Business Consultants offers two comprehensive medical plans that you may choose from for yourself or for yourself and your dependents. 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 either the Alliance Network or the Statewide Network. The medical plans provide major medical coverage to include hospitalization, physician and emergency room visits, prescriptions, telemedicine (BlueCare Anywhere) and more.
To search for a Blue Cross Blue Shield of Arizona PPO provider in either the Alliance or Statewide networks, visit azblue. com/member after you are enrolled or call 602.864.4400
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Network Aspire Business Consultants AZ Technology Council Association Health Program BlueCare Anywhere 1 2 3
1 2 BCBS of AZ Statewide PPO Network or Alliance
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Certain maintenance medications are available at network retail pharmacies for 2.5x copay for a 90-day supply. Mail-Order for these medications are available at only 2x copay.
6 2023-2024 BCBS of Arizona
PPO 1500 PPO 1500 In Network In Network Network Alliance Statewide PPO Lifetime Maximum Unlimited Unlimited Calendar Year Unlimited Unlimited Deductibles Individual $1,500 $1,500 Family $3,000 $3,000 Coinsurance 80% 80% Out-of-Pocket Max Individual $5,000 $5,000 Family $10,000 $10,000 Hospital Services Inpatient Hospital 20% After Deductible 20% After Deductible Outpatient Hospital 20% After Deductible 20% After Deductible Emergency Room $350 Copay $350 Copay Urgent Care $50 Copay $50 Copay Routine Services Office Visit $25 Copay $25 Copay Specialist Visit $50 Copay $50 Copay Preventive Care Covered In Full Covered In Full Lab & X-Ray Copay OR 20% After Deductible Copay OR 20% After Deductible Prescription Drugs Tier 1 $15 Copay $15 Copay Tier 2 $45 Copay $45 Copay Tier 3 $75 Copay $75 Copay Tier 4 $130 Copay $130 Copay Mail-Order 2x Copay 2x Copay
Medical Plans
BCBS Alliance Network
Alliance network from Blue Cross® Blue Shield® of Arizona delivers on our commitment to improve care quality and create better healthcare experience—while lowering costs.
network of doctors and hospitals that are close and convenient
The Alliance network is for residents of Maricopa and Pinal counties. The network features doctors and hospitals affiliated with Banner Health and HonorHealth.
The Alliance network from Blue Cross® Blue Shield® of Arizona delivers on our commitment to improve care quality and create a better healthcare experience—while lowering costs.
keep your healthcare costs lower, it is important to use a participating lab or imaging service such as Sonora Quest Laboratories, Banner Imaging, Southwest Diagnostic Imaging, and Sun Radiology.
A network of doctors and hospitals that are close and convenient
✓ The Alliance network is for residents of Maricopa and Pinal counties.
✓ The network features doctors and hospitals affiliated with Banner Health and HonorHealth.
Only providers contracted with the Alliance network are considered “in-network.” Please check with your doctors, facilities, and other health professionals to make sure they are in the Alliance network before receiving care.
✓ To keep your healthcare costs lower, it is important to use a participating lab or imaging service such as Sonora Quest Laboratories, Banner Imaging, Southwest Diagnostic Imaging, and Sun Radiology.
✓ Only providers contracted with the Alliance network are considered “in-network.” Please check with your doctors, facilities, and other health professionals to make sure they are in the Alliance network before receiving care.
Finding in-network care is easy with the Find a Doctor tool, available azblue.com/findadoctor or on the MyBlue AZSM app. Be sure search for providers in the Alliance network, indicated at the top-right of the search page.
✓ Finding in-network care is easy with the Find a Doctor tool, available at azblue.com/findadoctor or on the MyBlue AZSM app. Be sure to search for providers in the Alliance network, indicated at the top-right of the search page.
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10 51 202 60 SCOTTSDALE CAVE CREEK TEMPE QUEEN CREEK MESA GILBERT CHANDLER APACHE JUNCTION Banner Heart Hospital Banner Desert Medical Center Banner Ironwood Medical Center Banner Baywood Medical Center Banner Goldfield Medical Center Banner Gateway Medical Center Center John C Lincoln Center HonorHealth Scottsdale Thompson Peak Medical Center HonorHealth Scottsdale Shea Medical Center/Piper Surgery Center HonorHealth Scottsdale Greenbaum/Osborn Medical Center Casa Grande Medical Center Cobre Valley Regional Medical Center Network See reverse side close counties. Banner considered other network available sure the ALLIANCE 17 60 10 10 51 101 202 60 PHOENIX SURPRISE BUCKEYE GOODYEAR AVONDALE SCOTTSDALE PEORIA NEW RIVER CAVE CREEK WICKENBURG SUN CITY TEMPE QUEEN CREEK MESA GILBERT CHANDLER APACHE JUNCTION Wickenburg Community Hospital Banner Thunderbird Medical Center Banner Del E Webb Medical Center Banner Heart Hospital Banner Desert Medical Center Banner Ironwood Medical Center Banner Baywood Medical Center Banner Goldfield Medical Center Banner Gateway Medical Center Banner Boswell Medical Center Banner Estrella Medical Center Banner University Medical Center Phoenix Campus HonorHealth John C Lincoln Medical Center HonorHealth Deer Valley Medical Center HonorHealth Scottsdale Thompson Peak Medical Center HonorHealth Scottsdale Shea Medical Center/Piper Surgery Center HonorHealth Scottsdale Greenbaum/Osborn Medical Center Core Institute Specialty Hospital Banner Casa Grande Medical Center Cobre Valley Regional Medical Center Alliance Network NETWORK See reverse side
Hospitals/Medical Centers in the Alliance Network Location
Urgent-Care/Retail Health Clinics
Did you know that urgent-care centers and retail health clinics can treat many injuries and illnesses, and often cost less than an emergency room? However, visits to retail health clinics, urgent-care centers, and emergency rooms are not a substitute for an ongoing relationship with a primary care physician. In a true emergency, always dial 911 first.
For more information, please call the number on the back of your member ID card.
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D32277 07/22 1049905-22
Banner Baywood Medical Center 6644 E. Baywood Ave., Mesa, AZ 85206 Banner Boswell Medical Center 10401 W. Thunderbird Blvd., Sun City, AZ 85351 Banner Casa Grande Medical Center 1800 E. Florence Blvd., Casa Grande, AZ 85122 Banner Del E Webb Medical Center 14502 W. Meeker Blvd., Sun City West, AZ 85375 Banner Desert Medical Center 1400 S. Dobson Rd., Mesa, AZ 85202 Banner Estrella Medical Center 9201 W. Thomas Rd., Phoenix, AZ 85037 Banner Gateway Medical Center 1900 N. Higley Rd., Gilbert, AZ 85234 Banner Goldfield Medical Center 2050 W. Southern Ave., Apache Junction, AZ 85120 Banner Heart Hospital 6750 E. Baywood Ave., Mesa, AZ 85206 Banner Ironwood Medical Center 37000 N. Gantzel Rd., San Tan Valley, AZ 85140 Banner Thunderbird Medical Center 5555 W. Thunderbird Rd., Glendale, AZ 85306 Banner University Medical Center Phoenix Campus 1111 E. McDowell Rd., Phoenix, AZ 85006 Cobre Valley Regional Medical Center 5880 N. Hospital Dr., Globe, AZ 85501 HonorHealth Deer Valley Medical Center 250 E. Dunlap Ave., Phoenix, AZ 85020 HonorHealth Greenbaum Surgical Specialty Hospital 3535 N. Scottsdale Rd., Scottsdale, AZ 85251 HonorHealth John C Lincoln Medical Center 250 E. Dunlap Ave., Phoenix, AZ 85020 HonorHealth Piper Surgery Center 9007 E. Shea Blvd., Scottsdale, AZ 85260 HonorHealth Scottsdale Greenbaum/Osborn Medical Center 7400 E. Osborn Rd., Scottsdale, AZ 85251 HonorHealth Scottsdale Shea Medical Center/Piper Surgery Center 9003 E. Shea Blvd., Scottsdale, AZ 85260 HonorHealth Scottsdale Thompson Peak 7400 E. Thompson Peak Pkwy., Scottsdale, AZ 85255 The Core Institute Specialty Hospital 6501 N. 19th Ave., Phoenix, AZ 85015 Wickenburg Community Hospital 520 Rose Ln., Wickenburg, AZ 85390 NT-MB-0362-072022
©2022 Blue Cross Blue Shield of Arizona, Inc. All rights reserved.
Blue Cross, Blue Shield, and the Cross and Shield Symbols are registered service marks, and MyBlue AZ is a service mark, of the Blue Cross Blue Shield Association, an association of independent Blue Cross and Blue Shield Plans.
Telehealth Services
NURSE ON CALL
Members can connect with a nurse 24/7 to get answers to questions about symptoms they are experiencing, minor illnesses and injuries, medical tests, or preventive care, as well as suggestions for next steps based on their situation.1
BLUECARE ANYWHERESM
With BlueCare Anywhere, members can connect to board-certified doctors by live video for urgent medical care, psychiatry, and counseling sessions. The BlueCare Anywhere telehealth service is available any day, any time—from a computer, tablet, or mobile device.
MEDICAL
Board-certified doctors provide immediate care for a range of common illnesses, aches, and pains, and can prescribe medication.
COUNSELING
Licensed psychologists or counselors are available to treat issues—such as mental health and substance use—that can affect emotional, psychological, and social well-being.
PSYCHIATRY
Board-certified psychiatrists are available for assessments, evaluation, treatment, and can prescribe medication. By appointment only.
Download the BlueCare Anywhere mobile app2 or visit BlueCareAnywhereAZ.com.
Call 911 in an emergency.
1 BCBSAZ members should always consult with their healthcare provider about medical care or treatment. Recommendations, advice, services, or online resources are not a substitute for the advice, opinion, or recommendation of a healthcare provider.
2 Your wireless plan’s phone and data rates may apply. Search for “MyBlue AZ” and “BlueCare Anywhere” in the Google Play™ or Apple® App Store® online marketplaces.
Apple and App Store are trademarks of Apple Inc., registered in the U.S. and other countries. Google Play is a trademark of Google Inc.
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Dental Plan
BLUE CROSS BLUE SHIELD OF AZ BLUE PPO AND BLUE PPO PRIME NETWORK
The Aspire Business Consultants dental plan includes preventive services and office visits.
In Network Out of Network Individual $50 $50 Family $150 $150 Annual Plan Maximum $1,000 $1,500 Type I (Deductible waived for Type I services) Diagnostic & Preventive Services 100% 80% Exams 100% 80% Cleanings 100% 80% Bitewing x-rays 100% 80% Floride treatment 100% 80% Type II Basic Services 80% 60% Amalgam & composite fillings 80% 60% Simple Extractions 80% 60% Type III Major Services 50% 40% Crowns 50% 40% Dentures 50% 40% Bridges 50% 40% Root canals 50% 40% Periodontal maintenance 50% 40%
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Vision Plan
Standard lenses are covered.
20% savings on additional glasses and sunglasses, including lens enhancements, from any VSP provider within 12 months of your last WellVision Exam
VSP
VSP CHOICE NETWORK
In Network
Exam $10 Copay
Frequency Every 12 Months
Lenses Covered 100%
Out of Network
Reimbursed to $45
Every 12 Months
Reimbursed to $65
Single/Bifocal/Trifocal with no copay depending on lens
Frequency Every 12 Months
Frames $150 Allowance ($80 Allowance at Costco)
Frequency Every 24 Months
Contact Lenses (instead of glasses) $150 Allowance
Every 12 Months
Lasik Surgery
Average 15% off the regular price or 5% off the promotional price
Every 12 Months
Reimbursed to $70
Every 24 Months
Reimbursed to $105
Every 12 Months
Not covered
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MetLife Life Insurance
BASIC LIFE INSURANCE AND AD&D
Aspire Business Consultants pays 100% of the cost of this MetLife Term Life Insurance Policy. Coverage for each benefit eligible employee enrolled in on of the medical plans is $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 employ-
ee or $50,000 for your spouse/domestic partner, you MUST complete 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 ELIGIBILITY 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 enrollment. 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.
All
prices are per
MEDICAL PLANS DENTAL PLAN VISION PLAN ALLIANCE NETWORK $0.00 $153.33 $153.05 $369.67 STATEWIDE NETWORK $84.56 $217.80 $208.72 $463.43 $11.09 $22.17 $29.38 $39.91 $ 3.66 $7.32 $7.82 $12.51 EMPLOYEE ONLY EMPLOYEE & SPOUSE EMPLOYEE & CHILDREN EMPLOYEE & FAMILY
payday
Voluntary Supplemental Life / AD&D rates and enrollment forms were provided to you separately. 26 pays. 13
based on
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 Childcare, 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 website.
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 therapist 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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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 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
Jones
Business Consultants 602.881.2483
EAP EmployeeAssistanceProgram 866.607.4535
AZTC
Important Phone Numbers
Heather
Aspire
heather@aspirebc.net Wellspring
www.wellspringeap.org Username:
About this booklet
This booklet highlights important features of Aspire Business Consultants’ 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
