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Employee Benefits Guide 2021 - 2022
Table of Contents Introduction.........................................................................................2 Enrollment Information...............................................................3 Qualifying Life Event..................................................................... 4 COBRA.................................................................................................... 4 Medical Plan Information...........................................................5 UnitedHealthcare All Savers Medical Plans...................6 Know Where To Go.........................................................................7
Health Savings Account (H.S.A.)............................................8 Dental Plan...........................................................................................9 Beam App...........................................................................................10 Vision Plan........................................................................................... 11 Beam Life Insurance.................................................................... 12 Employee Rate Sheet.................................................................. 13 Important Phone Numbers....................................................14
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. Elite Microwave Solutions is proud to offer a benefits package that includes medical, dental and vision insurance coverage options for you and your dependents. Elite Microwave Solutions also provides a term life policy for all full-time employees. 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.
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If you should have any questions: 1. Contact the carrier directly. Phone number and website information is on page 14. 2. Contact Judd Gibbons at 623.640.2054 or jgibbons@elitemicrowave.com. This booklet highlights important features of Elite Microwave Solutions’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 documents and the contracts that govern these plans.
Enrollment Information OPEN ENROLLMENT
PRE-TAX DEDUCTIONS
Open Enrollment is from September 15th through September 24th. This is your one time per year to make changes to your current elections or add coverages.
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.
All benefit eligible employees are required to elect coverage via Elite Microwave’s electronic 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.
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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 (October 1, 2021 – September 30, 2022). 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.
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
✓ 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.
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 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%. Each individual who is covered by an Elite Microwave Solution’s benefit plan immediately preceding
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the employee’s COBRA event has the right to continue his or her medical, dental, or vision plan(s). 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
Medical Plan Information 1
UHC Choice Plus Network Elite Microwave Solutions
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OptumRx
UnitedHealthcare All Savers
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The network Elite Microwave will use for hospitals and physicians for both medical plan options.
2
The pharmacy benefit manager for both medical plans.
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The new medical plan insurance carrier beginning October 1, 2021.
SUMMARY Medical benefits provide you and your family access to quality health care. Elite Microwave Solutions offers two medical plans with different coverage levels from which to choose. Both plans are provided through UnitedHealthcare All Savers. UHC All Savers utilizes the Choice Plus PPO network for both medical plan options. The two medical plans provide major medical coverage to include hospitalization, physician and emergency room visits, prescriptions and more. To search for a UnitedHealthcare Choice Plus PPO provider, visit myallsaversconnect.com.
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UnitedHealthcare All Savers Medical Plans PPO 1000 (Buy-Up Plan)
HDHP 3000 (Base Plan)
In Network
In Network
Network
Choice Plus
Choice Plus
Lifetime Maximum
Unlimited
Unlimited
Calendar Year
Unlimited
Unlimited
Individual
$1,000
$3,000
Family
$2,000
$6,000
Coinsurance
80%
80%
Individual
$4,500
$7,000
Family
$9,000
$14,000
Inpatient Hospital
20% After Deductible
20% After Deductible
Outpatient Hospital
20% After Deductible
$75 Copay and 20% After Deductible
Emergency Room
$300 Copay and 20% After Deductible
$300 Copay and 20% After Deductible
Urgent Care
$100 Copay
$100 Copay and 20% After Deductible
Office Visit
$25 Copay
$25 Copay and 20% After Deductible
Specialist Visit
$75 Copay
$75 Copay and 20% After Deductible
Preventive Care
Covered In Full
Covered In Full
Lab & X-Ray
20% After Deductible
20% After Deductible
Tier 1
$10 Copay
$10 Copay After Deductible
Tier 2
$35 Copay
$35 Copay After Deductible
Tier 3
$75 Copay
$70 Copay After Deductible
Mail-Order
2.5x Copay
2.5x Copay After Deductible
Deductibles
Out-of-Pocket Max
Hospital Services
Routine Services
Prescription Drugs
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Getting Started Guide Know your medical benefits
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Know Where To Go
Know where to go. With many options for getting care, how do you choose? This chart can help you understand where to go for what — and how you can save money.
Where to go Virtual Visits
What it is
When to use it
A Virtual Visit through healthiestyou.com lets you see a doctor using the camera on your smartphone, tablet or computer. You can even get a prescription sent to your local pharmacy, all in 30 minutes or less. Services may not be available at all times or in all locations. The service offerings, programs and partners of All Savers Wellness are subject to change. The All Savers Wellness service offerings are not available in all states.
• • • • • •
Allergies Bladder infections Bronchitis Cough/colds Diarrhea Fever
• • • • • •
Pinkeye Rashes Seasonal flu Sinus problems Sore throat Stomachaches
Cost
$
Primary Care Physician
Go to a doctor’s office when you need preventive or routine care. Your primary doctor can access your medical records, manage your medications and refer you to a specialist, if needed.
• • • • •
Checkups Preventive services Minor skin conditions Vaccinations General health management
$$
Convenience Care Clinics
Visit a convenience care clinic when you can’t see your doctor and your health issue isn’t urgent. These clinics are often in stores.
• • • • • •
Common infections (e.g., strep throat) Minor skin conditions (e.g., poison ivy) Vaccinations Pregnancy tests Minor injuries Earaches
$$
Urgent Care
Urgent care is usually ideal when you need care quickly, but it’s not an emergency (and your doctor isn’t available). Urgent care centers treat issues that aren’t life-threatening.
• • • • • •
Sprains Strains Small cuts that may need a few stitches Minor burns Minor infections Minor broken bones
$$$
The ER is for life-threatening or very serious conditions that require immediate care. This is also when to call 911, or your local emergency number.
• Heavy bleeding • Large, open wounds • Sudden change in vision • Chest pain • Sudden weakness or trouble talking
Emergency Room
1 Sign up for myallsaversconnect.com
2 Know your medical benefits
• Major burns • Spinal injuries • Severe head injury • Breathing difficulty • Major broken bones
$$$$
3 Understand your pharmacy benefits CONTINUED
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Health Savings Account (H.S.A.) If you choose to enroll in the High Deductible Health Plan (HDHP), you will have an H.S.A. provided by Optum Bank. 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 (the HDHP 3000) is the insurance component that provides medical coverage for you and your family.
Elite Microwave Solutions contributes $69.32 monthly to an employee’s H.S.A. bank account when enrolled in the HDHP base plan.
2. An H.S.A. with Optum Bank is the banking component which can be funded by pre-tax payroll contributions from you, Elite Microwave, or both.
HOW AN H.S.A. WORKS: 1. Enroll in HDHP 3000 plan offered by Elite Microwave The money contributed to the account is yours to keep and will roll over year after year – no ‘use it or lose it’ rule!
2. Contribute to your H.S.A. by payroll deductions: Up to $3,600 for an individual or $7,200 for a family based on 2021 IRS allowed contributions (includes total contributions allowed from you and/or your employer) An additional $1,000 may be contributed if you are 55 or older.
3. With your HSA debit card, use those funds to pay for qualified expenses such as: • copays
• hearing aids
• deductibles
• glasses/ contacts
• chiropractor
• prescriptions
• dental treatment
H.S.A. ELIGIBILITY To make tax-free contributions to an H.S.A., the IRS requires that: • You are covered by an H.S.A.-qualified medical plan (such as the HDHP 3000 plan)
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• You have no other health coverage (such as other health plan, Medicare, military health benefits, medical FSA’s)
Dental Plan BEAM PPO NETWORK In Network
Out of Network
Individual
$50
$50
Family
$150
$150
Annual Plan Maximum
$1,500
$1,500
Diagnostic & Preventive Services
100%
100%
Exams
100%
100%
Cleanings
100%
100%
Bitewing x-rays
100%
100%
Floride treatment
100%
100%
Basic Services
80%
80%
Amalgam & composite fillings
80%
80%
Root canals
80%
80%
Simple Extractions
80%
80%
Periodontal maintenance
80%
80%
Major Services
50%
50%
Crowns
50%
50%
Dentures
50%
50%
Bridges
50%
50%
Type I
Type II
Type III
The Elite Microwave dental plan includes preventive services and office visits. 9
Beam App Beam App Everything members need is just a tap away—view insurance cards, find a dentist, control brush settings and more! Available for iOS and Android!
Beam App
Everything members VIEW INSURANCE CARD need is just a tap away—view insurance cards, find a dentist, Get groupbrush & member IDs control settings and more! Available for iOS and Android! Confirm coverage Share your card & more!
VIEW INSURANCE CARD Get group & member IDs
OTHER FEATURES
Confirm coverage Find in-network dentists Share your card & more! near you
Search for orthodontists, pediatric dentists, & more OTHER FEATURES Plan in-network information,dentists pre-treatment Find estimates, near you explanation of benefits, and claims updates Search for orthodontists, Brushing dentists, awards & more pediatric Plan information, pre-treatment estimates, explanation of BRUSH SETTINGS benefits, and claims updates Control brush speed Brushing awards View brushing data for you and your family
BRUSH Turn onSETTINGS Quadrant Buzz & Auto Offbrush speed Control
View brushing data for you and your family Turn on Quadrant Buzz & Auto Off
Insurance products underwritten by National Guardian Life Insurance Company (NGL), marketed by Beam Insurance Services LLC, and administered by Beam Insurance Administrators LLC (Beam Dental Insurance Administrators LLC, in Texas). Beam Perks provided by Beam Perks LLC. Beam Perks can be obtained separately without the purchase of an insurance product by visiting perks.beam.dental. Policy form series numbers NDNGRP 04/06 or NDNGRP 2010. †National Guardian Life Insurance Company is not affiliated with The Guardian Life Insurance Company of America, a.k.a. The Guardian, or Guardian Life. QUESTIONS?
Call (800)648-1179 support@beam.dental | (800) 648 1179
FIND A DENTIST QUESTIONS? Insurance products underwritten by National Guardian Life Insurance Company (NGL), marketed by Beam Insurance Services LLC, and administered by Beam Insurance Administrators LLC (Beam Dental Insurance Administrators LLC, in Texas). Beam Perks provided by Beam Perks LLC. Beam Perks can be obtained separately without the purchase of an insurance product by visiting perks.beam.dental. Policy form series numbers NDNGRP 04/06 or NDNGRP 2010.
dentists.beam.dental BM-AD-0021-201806
†National Guardian Life Insurance Company is not affiliated with The Guardian Life Insurance Company of America, a.k.a. The Guardian, or Guardian Life. QUESTIONS? FIND A DENTIST
dentists.beam.dental
Call (800)648-1179 QUESTIONS? support@beam.dental | (800) 648 1179
Vision Plan
Standard lenses are covered.
BEAM 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 $100
Single/Bifocal/Trifocal
after a $25 Materials Copay
depending on lens
Frequency
Every 12 Months
Every 12 Months
Frames
$150 Allowance (Lower, but Equivalent Allowance at Wal-Mart, Sams and 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
Average 15% off the regular price
Not covered
Laser Vision Correction (LVC)
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Beam Life Insurance BASIC LIFE INSURANCE AND AD&D Elite Microwave Solutions Corporation pays 100% of the cost of this Beam (through Nationwide Life Insurance Company) Term Life Insurance Policy. Coverage for each benefit eligible employee is $50,000 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.
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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.
UNITEDHEALTHCARE ALL SAVERS MEDICAL PLANS*
PPO 1000
CHOICE PLUS NETWORK
EMPLOYEE ONLY EMPLOYEE & SPOUSE EMPLOYEE & CHILDREN EMPLOYEE & FAMILY
EMPLOYEE ONLY EMPLOYEE & SPOUSE EMPLOYEE & CHILDREN EMPLOYEE & FAMILY
HDHP 3000
CHOICE PLUS NETWORK
26 PAYS
26 PAYS
$0.00 $177.71 $145.40 $323.11
$0.00 $138.91 $113.65 $252.56
DENTAL PLAN
VISION PLAN
26 PAYS
26 PAYS
$13.90 $27.80 $28.91 $42.80
$2.23 $4.46 $3.93 $6.16
*Elite Microwave Solutions pays $4,536.60/year towards the premium for each plan. This includes a $76.44/month contribution to the Health Savings Account (H.S.A.) of those enrolled in the HDHP 3000 base plan.
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Important Phone Numbers UnitedHealthcare All Savers Medical 800.291.2634 myallsaversconnect.com Beam (via Nationwide Life Insurance Company) Basic Life Insurance w/AD&D 800.648.1179 or support@beam.dental
Beam Dental / Vision 800.648.1178 or support@beam.dental Website: beam.dental Optum Bank HSA (bank account) optumbank.com
About this booklet This booklet highlights important features of Elite Microwave Solutions Corporation’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
