Employee Benefits 2022Guide-2023 Here’s to a healthier you!
Introduction ........................................................................................ 2 Enrollment Information 3 Qualifying Life Event .................................................................... 4 COBRA ................................................................................................... 4 Medical Plan Information 5 Banner | Aetna
Please take the time to read this information and ask questions so you can make the best benefits deci sions for both you and your family.
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.
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Introduction
Health Savings Account (H.S.A.) Plan App Plan Life Rate Sheet
...........................................8 Dental
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 depen dents. Elite Microwave Solutions also provides a term life policy for all full-time employees.
Table of Contents AFA
9 Beam
.......................................................................................... 10 Vision
.......................................................................................... 11 Beam
2. Contact Gerlinde Dunlap at 480.299.0773 or Thisadmin@elitemicrowave.combooklethighlightsimportant
Insurance 12 Employee
1. Contact the carrier directly. Phone number and website information is on page 14.
If you should have any questions:
Medical Plans 6 Telehealth ............................................................................................. 7
13 Important Phone Numbers ................................................... 14
OPEN ENROLLMENT
Open Enrollment is from September 12th through September 21st. This is your one time per year to make changes to your current elections or add Allcoverages.benefiteligible
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NEW EMPLOYEES
employees are required to elect coverage via Elite Microwave’s electronic enrollment system. Any coverage not actively selected will be considered a waiver of coverage.
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 Dollars: Your insurance premiums for the medical, dental and vision plans are paid with money removed from your gross wages prior to any tax cal culations. This reduces your tax liability and is a more efficient way to pay for premiums.
PRE-TAX DEDUCTIONS
Enrollment Information
New Employees have 31 days from your hire date to complete enrollment in the group insurance pro gram. 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 com plete your enrollment. All insurance coverage starts at the first of the month.
IRS regulations govern under what circumstances you may make changes to your benefits, which bene fits you can change and what kinds of changes are permitted.
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).
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 termina tion 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%.
■ Marriage ■ Death of spouse ■ Divorce ■ Spouse gains or loses coverage from anoth er source ■ Spouse employer’s Open Enrollment ■ Birth or adoption of a child ■ Death of dependent child ■ Dependent becomes ineligible for coverage
The right to continuation of coverage ends at the earliest of the date:
NOTE: COBRA will not be after 12.31.2022
The elections that you make during Open Enrollment or at initial benefits eligibility will remain in effect for the plan year (October 1, 2022 – September 30, 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 benefits changes by contacting the Benefits Department and providing the proper documentation.
QUALIFYING LIFE EVENTS LIST
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Each individual who is covered by an Elite Micro wave Solution’s benefit plan immediately preceding the employee’s COBRA event has the right to con tinue his or her medical, dental, or vision plan(s).
Any changes in benefit levels must be completed within 31 days of the qualifying life event.
offered
Marital Status Changes Dependent Changes
✓ All changes must be consistent with the qualifying life event.
Covered
✓ 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
COBRA
The network Elite Microwave will use for hospitals and physicians for both medical plan options effective 10/1/22.
To search for a Banner | Aetna Broad PPO provider, visit banneraetna.com
Banner | Aetna EliteNetworkBroadMicrowaveSolutions Banner | Aetna AFACVS
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Medical Plan Information
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 the Banner | Aetna AFA joint venture. Banner | Aetna AFA utilizes the Banner | Aetna Broad (BAFA Broad) PPO net work for both medical plan options. The two medical plans provide major medical coverage to include hospital ization, physician and emergency room visits, prescriptions and more.
SUMMARY
1 2 1 2 3 3
The pharmacy benefit manager for both medical plans.
The new medical plan insurance carrier beginning October 1, 2022.
Inpatient Hospital 20% After Deductible 20% After Deductible
Prescription Drugs
HDHP 3000 (Base Plan)
Network Banner | Aetna Broad Banner | Aetna Broad
Lifetime Maximum Unlimited Unlimited
Coinsurance 80% 80%
Calendar Year Unlimited Unlimited Deductibles
Hospital Services
Emergency Room $500 Copay 20% After Deductible
Tier 1 $3 or $10 Copay $3 or $15 Copay After Deductible
Office Visit $25 Copay $35 Copay and 20% After Deductible
In Network
Urgent Care $75 Copay 20% After Deductible
Tier 2 $45 Copay $50 Copay After Deductible
Tier 3 $75 Copay $100 Copay After Deductible
Mail-Order 2x Copay 2x Copay After Deductible
Individual $1,000 $3,000 Family $2,000 $6,000
Outpatient Hospital 20% After Deductible 20% After Deductible
PPO 1000 (Buy-Up Plan)
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Specialist Visit $75 Copay $75 Copay and 20% After Deductible
Banner | Aetna AFA Medical Plans
Out-of-Pocket Max
In Network
Routine Services
Diagnostic Lab & X-Ray Covered In Full 20% After Deductible
Preventive Care Covered In Full Covered In Full
Individual $4,500 $5,500 Family $9,000 $11,000
•
ColdBronchitisAsthma&Flu
Save money and time, while avoiding costly trips to a doctor’s office, urgent care or ER.
• Joint Aches
• Sore Throat
• UTI
• And more!
• Acne
Telehealth
SinusRashesNauseaInfection
98point6 offers on-demand primary care delivered via secure, in-app text messaging, that is accessi ble anytime, anywhere. With 98Point6, U.S.-based, board-certified doctors answer questions, diagnose and treat, outline care options, order prescriptions and labs as appropriate, and can refer to special ists and resources in the Banner|Aetna network, all through the convenience of one app.
How much does it cost?
When should I use 98point6?
•
FeverEarDiarrheaInfection 98point6.com
InsectHeadacheBite
98point6-24/7/365 on-demand access to affordable, quality healthcare for employees and dependents who are enrolled in any of the district medical plans. Anytime, Anywhere.
Constipation
• Instead of going to the ER or an urgent care center for a non-emergency issue
To request prescriptions (when appropriate)
•
• If your primary care physician is not available
What can be treated?
Yes! 98point6 has pediatricians on call 24/7
There is no consultation fee for employees enrolled in the PPO 1000 and a $5 fee for employ ees enrolled in the HDHP 3000 (currently waived
During or after normal business hours, nights, weekends and holidays
• Talk to a real doctor, 24x7. No need to schedule an appointment or limit your visits.
Are my children eligible?
If traveling and in need of medical care
•
• Allergies
•
• You are covered by an H.S.A.-qualified medical plan (such as the HDHP 3000 plan)
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1. A qualified health plan (the HDHP 3000) is the insurance component that provides medical coverage for you and your family.
3. With your HSA debit card, use those funds to pay for qualified expenses such as: copays deductibles dentalchiropractortreatment hearing aids glasses/ contacts prescriptions
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 $3,650 for an individual or $7,300 for a family based on 2022 IRS allowed contributions (includes total contributions allowed from you and/or your Anemployer)additional $1,000 may be contributed if you are 55 or older.
•
Health Savings Account (H.S.A.)
HOW AN H.S.A. WORKS:
To make tax-free contributions to an H.S.A., the IRS requires that:
THERE ARE TWO COMPONENTS TO AN H.S.A.-BASED COVERAGE 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.
•
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.
H.S.A. ELIGIBILITY
•
1. Enroll in HDHP 3000 plan offered by Elite Microwave
• You have no other health coverage (such as other health plan, Medicare, military health benefits, medical FSA’s)
•
Elite Microwave Solutions contributes $71.78 monthly to an employee’s H.S.A. bank account when enrolled in the HDHP base plan.
Annual Plan Maximum $1,500 + Rollover $1,500 + Rollover
Individual $50 $50 Family $150 $150
Basic Services: Amalgam & composite fillings 80% 80% Root canals 80% 80% Simple Extractions 80% 80% Periodontal maintenance 80% 80%
Type III
Diagnostic & Preventive Services: Exams 100% 100% Cleanings 100% 100% Bitewing x-rays 100% 100% Floride treatment 100% 100%
Type II
Major Services: Crowns 50% 50% Dentures 50% 50% Bridges 50% 50%
Type I
Dental Plan
In Network Out of Network
BEAM PPO NETWORK
9 The Elite Microwave dental plan includes preventive services and office visits.
Everything members need is just a tap away—view insurance cards, find a dentist, control brush settings and more! Available for iOS and Android!
View brushing data for you and your family
brush speed View brushing
for you and your family
near Searchyoufor
Plan information, pre-treatment estimates, explanation of benefits, and claims updates
Brushing awards Control data
Share your card & more!
Get group & Confirm
VIEW
Find in-network dentists orthodontists, pediatric dentists, information, pre-treatment estimates, benefits,
Beam App
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.
& more!
Find in-network dentists near Searchyoufor orthodontists, pediatric dentists, & more
OTHER FEATURES
INSURANCE CARD
BRUSH SETTINGS
on Quadrant Buzz & Auto Off
& more Plan
a dentist, control brush settings and more! Available for iOS and Android!
Turn on Quadrant Buzz & Auto Off
Share your card
Turn
Beam App
member IDs
coverage
SETTINGS QUESTIONS? Call (800)648-1179FIND A DENTIST QUESTIONS? dentists.beam.dental support@beam.dental | (800) 648 1179 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.
OTHER FEATURES
QUESTIONS? (800)648-1179 (800) 648 1179
Everything members need is just a tap away—view insurance cards, find
BRUSH
Confirm coverage
FINDBM-AD-0021-201806ADENTIST QUESTIONS? dentists.beam.dental support@beam.dental |
Beam App
Call
and claims updates
VIEW INSURANCE CARD
Brushing awards Control brush speed
Get group & member IDs
Insurance
explanation of
Frequency Every 24 Months Every 24 Months
Exam
VSP CHOICE NETWORK In Network Out of Network
Reimbursed to $45 Frequency Every 12 Months Every 12 Months
Reimbursed to $100
Reimbursed to $70
Lenses Covered 100%
BEAM
Reimbursed to $105 Every 12 Months Every 12 Months
Vision Plan
$10 Copay
Laser Vision Correction (LVC) Average 15% off the regular price Not covered
All standard lenses are covered.
Single/Bifocal/Trifocal after a $25 Materials Copay depending on lens Frequency Every 12 Months Every 12 Months
Frames $150 Allowance (Lower, but Equiv alent Allowance at Wal-Mart, Sams and Costco)
Contact Lenses (instead of glasses) $150 Allowance
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Beam Life Insurance
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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BASIC LIFE INSURANCE AND AD&D
Elite Microwave Solutions Corporation pays 100% of the cost of this Beam (through Nationwide Life Insur ance Company) Term Life Insurance Policy. Coverage for each benefit eligible employee is $50,000 Life and AD&D Benefit.
13 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. BANNER | AETNA AFA MEDICAL PLANS* DENTAL PLAN PPO 1000 BANNER | AETNA BROAD NETWORK HDHP 3000 BANNER | AETNA BROAD NETWORK VISION PLAN 26 PAYS $324.24$183.25$0.00$155.05 26 PAYS $45.80$30.93$29.75$14.87 EMPLOYEE ONLY EMPLOYEE & SPOUSE EMPLOYEE & CHILDREN EMPLOYEE & FAMILY EMPLOYEE ONLY EMPLOYEE & SPOUSE EMPLOYEE & CHILDREN EMPLOYEE & FAMILY 26 PAYS $241.57$136.52$0.00$115.52 26 PAYS $4.46$2.23$3.93$6.16 *Elite Microwave Solutions pays $3,816.24/year towards the premium for each plan. This includes a $71.78/month contribution to the Health Savings Account (H.S.A.) of those enrolled in the HDHP 3000 base plan.
Elite Microwave Solutions Corporation
BasicLifeInsurancew/AD&D800.648.1179orsupport@beam.dental
admin@elitemicrowave.com480.299.0773Dunlap
14614 N. Kierland Blvd., Suite N230, Scottsdale, AZ 85254 Office / 480.347.0926 Fax / 480.360.6417
MedicalSeetheback of your Member ID Card for the Banner | Aetna contact phone number banneraetna.com
Capital Financial
HSA(bankaccount)optumbank.com
Beam (via Nationwide Life Insurance Company)
VSP Questions - 800.877.7195
Gerlinde
Beam
Optum Bank
Important Phone Numbers
Dental/Vision800.648.1178orsupport@beam.dentalWebsite:beam.dental
Banner | Aetna AFA
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.
