Employee Benefits Guide
2023 - 2024
TABLE OF CONTENTS Medical Plan Information. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3
Vision Plan. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8
Medical Plan. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4
Employee Assistance Program . . . . . . . . . . . . . . . . . . . . . . . . 9
TM
Introducing Global TeleMD . . . . . . . . . . . . . . . . . . . . . . . . . . 5
Life Insurance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10
GeoBlue: Global. Local. Mobile.. . . . . . . . . . . . . . . . . . . . . . . . . 6
Zero Monthly Cost . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
Dental Plan. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7
Important Phone Numbers & Websites . . . . . . . . . . . . . . . 12
INTRODUCTION International Alliance Group is proud to offer you a rich benefits package to include medical, dental and vision care as well as life insurance, all at no cost to you. This booklet highlights important features of International Alliance Group’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.
If you should have any questions: 1. Contact the carrier directly. Phone number and website information is on page 10. 2. Contact Monica Sanders at 602.670.7942 or monica@iagusa.org. IAG Benefits Video Presentation Made Just For You Please click on the link below to watch a brief presentation of the benefit offerings available to you as provided in this guide. https://www.brainshark.com/1/player/cfplc?pi=zHAzHJIx1zNpZWz0&r3f1=&fb=0
2
Medical Plan Information 1
The program that will provide medical insurance to International Alliance Group.
2
The network International Alliance Group will use for hospitals and physicians.
3
The company that will process International Alliance Group’s medical claims.
1 GeoBlue IAG 2
Blue Cross Blue Shield
Blue Cross Blue Shield
3
SUMMARY Medical benefits provide you access to quality health care. International Alliance Group offers a very rich medical plan provided through GeoBlue. GeoBlue contracts with BCBS to use their national network, with claims processing and customer service being provided by GeoBlue. To contact GeoBlue, please go to www.geo-blue.com or call 855.282.3517 (inside the US) or 610.254.5304 (outside the US).
TERMS TO KNOW AS YOU READ THROUGH THIS BOOKLET: Copay The fixed dollar amount you must pay directly to a medical provider at the time certain covered services are received, such as office visits or prescription drugs. Deductible The fixed dollar amount you must pay for covered services each coverage year before the insurance company begins to pay benefits. Coinsurance Sharing, between yourself and the medical plan, of the cost of covered services after you have paid the deductible. Out-of-Pocket Maximum The maximum dollar amount you have to pay under the terms of the insurance company’s contract in a coverage year for covered services.
3
Medical Plan GeoBlue Value Plan In Network Coverage Year Limit
$1,000,000
Deductibles per Covered Person
$500
Coinsurance
20%
Out-of-Pocket Maximum per Covered Person
$5,000
Hospital Services Inpatient Hospital
Deductible, then $50 copay and 20%
Outpatient Hospital
Deductible, then $50 copay and 20%
Emergency Room
Deductible, then $250 copay and 20%; copay waived if admitted
Urgent Care
Deductible, then $75 copay and 20%
Routine Services Office Visit
Deductible, then $30 copay and 20%
Specialist Visit
Deductible, then $30 copay and 20%
Prescription Drugs Generic
$15 copay
Brand Name
$35 copay
Injectables
$70 copay
Other Covered Services
4 4
Emergency Medical Evacuation
Maximum benefit up to $100,000 per coverage year
Emergency Family Travel Arrangements Repatriation
Up to a maximum benefit of $1,500 for one person
Accidental Death & Dismemberment Global Assistance Services
Principal sum up to $10,000 for insured employee; $5,000 for spouse, $1,000 for child(ren)
Maximum benefit up to $50,000
Emergency medical and travel assistance services provided, including coordination of all evacuations and repatriations if needed
Introducing Global TeleMD
TM
INTRODUCING
Global TeleMD
™
HEALTHCARE AT YOUR FINGERTIPS
At GeoBlue, we know your life can be demanding. With so much to juggle, finding the healthcare you need, when you need it, should be easy. In addition to giving you convenient access to a global network HEALTHCARE AT we’ve YOUR FINGERTIPS of doctors and facilities, teamed up with Advance At GeoBlue, we know your life can be demanding. With so much to juggle, finding the healthcare you need, when you need it, should
Medical, a Teladoc Health company, to bring youtoGlobal TeleMD, be easy. In addition to giving you convenient access a global networkaof doctors and facilities, we’ve teamed up with Advance new smartphone app—at no additional cost—that provides Medical, a Teladoc Health company, to bring you Global TeleMD, confidena new smartphone app—at no additional cost—that provides tialconfidential access to international doctors by telephone or video call. access to international doctors by telephone or video call.
ALL AT AT THE TOUCH OF OF A BUTTON ALL THE TOUCH A BUTTON • Global network of doctors Global network of doctors
Let’s get started
Medical consultations non-medical • Medicalguidance guidance and and consultations (for(for non-medical emergencies) emergencies)
1. Download the Global TeleMD app to your phone
■
• Same-dayvirtual virtual appointments, appointments, available 24/7 Same-day available 24/7
2. Create a profile
■
Multiple language options
3. Log in
■
Consultation notes sent directly to your phone
4. You’re good to go!
■ ■
• Multiple language options
• Consultation and notesreferral sent directly to(subject your phone ■ Prescriptions letters to local regulation) • Prescriptions and referral letters (subject to local regulation)
JUST WHAT THE DOCTOR ORDERED
JUST WHAT THE DOCTOR ORDERED
With Global TeleMD, toaadoctor doctor a time that fits With Global TeleMD,you youcan can speak speak to at aattime that fits your your schedule without worrying about school, work, holidays or schedule without worrying about school, work, holidays or personal personal commitments. And because yournotes consultation notes are commitments. And because your consultation are stored securely stored securely on the app, they’re to share with your on the app, they’re ready to share withready your primary doctor. primary doctor.
Need a doctor’s note? Be sure to request a note from the doctor before your consultation ends. The note can be uploaded to the Global TeleMD app.
*Confidential and/or identifiable information which you may discuss with Advance Medical will not be shared with GeoBlue or your employer if applicable (Advance Medical will only share aggregated or deidentified information to help GeoBlue monitor and improve the program and for reporting purposes). However, permission may be asked to review your personal data in the event that you have made a complaint or specific query that you would
*Confidential identifiable youyour may discuss Advance Medical will not be shared GeoBlue or your if applicable like to discussand/or with GeoBlue. GeoBlue willinformation never review yourwhich data without explicit consent.with For further information on how Advance Medical processeswith your personal data please see employer Advance Medical’s privacy policy https://www.advance-medical.net/privacy. (Advance Medical will only share aggregated or deidentified information to help GeoBlue monitor and improve the program and for reporting purposes). All of thepermission above services are provided by Advance of Teladoc Health, directly to you. no liability andmade accepts a nocomplaint responsibility foror information provided by that Advance Medical and the performance However, may be asked to Medical, reviewpart your personal data in theGeoBlue eventassumes that you have specific query you would like to of the services by Advance Medical. Support and information provided through this service does not confirm that any related treatment or additional support is covered under your health plan. To discuss the coverage under discuss with GeoBlue. GeoBlue will never review your data without your explicit consent. For further information on how Advance Medical processes your your health plan, please contact us using the number on the back of your ID card. This service is not intended to be used for emergency or urgent treatment medical questions. personal data please see Advance Medical’s privacy policy https://www.advance-medical.net/privacy. GeoBlue is the trade name of Worldwide Insurance Services, LLC (Worldwide Services Insurance Agency, LLC in California and New York), an independent licensee of the Blue Cross and Blue Shield Association. GeoBlue is the administrator of coverage provided under insurance policies issued in the District of Columbia by 4 Ever Life
Limited, Bermuda, an independent of the BlueMedical, Cross Blue Shield All ofInternational the above services are providedlicensee by Advance part Association. of Teladoc Health, directly to you. GeoBlue assumes no liability and accepts no responsibility for information provided by Advance Medical and the performance of the services by Advance Medical. Support and information provided through this service does not confirm that any related treatment or additional support is covered under your health plan. To discuss the coverage under your health plan, please contact us using the number on the back of your ID card. This service is not intended to be used for emergency or urgent treatment medical questions.
GeoBlue is the trade name of Worldwide Insurance Services, LLC (Worldwide Services Insurance Agency, LLC in California and New York), an independent licensee of the Blue Cross and Blue Shield Association. GeoBlue is the administrator of coverage provided under insurance policies issued in the District of Columbia by 4 Ever Life International Limited, Bermuda, an independent licensee of the Blue Cross Blue Shield Association.
5
GeoBlue: Global. Local. Mobile. With the GeoBlue® mobile app, world travelers have convenient access to the best local doctors, hospitals and resources anywhere in the world.
FEATURES ■
■
■
■
■
■
■
■
Search providers for medical, dental, or mental health care and map them using GPS technology*. Arrange Direct Pay for future appointments to secure cashless access to care. Access issued guarantees of payment to view and share with doctors and hospitals. File a claim by entering information or sending a photo of a completed form.** Find a medication’s availability, generic name, and local brand name. Translate medical terms and phrases for many symptoms and situations; use the audio feature to play the translation. Display an ID Card on a smart phone and email/fax a copy directly to provider’s office. View country or city profiles on crime, terrorism and natural disasters.
GET STARTED Download the app and login using your username and password from geobluestudents.com or register as a new user through the app using information from your ID card. * Kindle device does not support mapping options. ** Available for long-term plans only
Questions? Please email customerservice@geo-blue.com.
GeoBlue is the trade name of Worldwide Insurance Services, LLC (Worldwide Services Insurance Agency, LLC in California and New York), an independentlicensee of the Blue Cross and Blue Shield Association. GeoBlue is the administrator of coverage provided under insurance policies issued in the District of Columbia by 4 Ever Life International Limited, Bermuda, an independent licensee of the Blue Cross Blue Shield Association. This coverage is offered to the members of the Global Citizens Association, Washington, D.C.
6
Dental Plan RELIANCE STANDARD – AMERITAS NETWORK, Classic PPO In Network Annual Deductibles Individual
$50
Family
$150
Annual Plan Maximum
$1,500
Benefits Type I - Diagnostic & Preventive
100% In / 100% Out
Type II - Basic Services
80% In / 80% Out
Type III - Major Services
50% In / 50% Out
Other Benefits Periodontic Coverage
80% In/ 80% Out
Endodontic Coverage
80% In/ 80% Out
The dental plan includes preventive services and office visits.
7
Vision Plan
All standard lenses are covered.
VSP CHOICE In Network Exam
$10 Copay
Frequency
Every 12 Months
Lenses
Covered 100%
Single/Bifocal/Trifocal/
after $25 copay
Lenticular Progressive Lenses
Standard covered after $25 copay
Frequency
Every 12 Months
Frames
$130 Allowance
Frequency
Every 12 Months
Contact Lenses
$130 Allowance
(instead of glasses)
Every 12 Months
Lasik Surgery
15% Off Retail or 5% Off Promotional Price
8
work-related pressures, or substance abuse.
Coming
Your web portal and mobile app
Convenient, on-the
• The one-stop shop for program services, information and more.
• Textcoach® Personalized coaching w counselor on mobile or
• Discover on-demand training to boost wellbeing and life balance. • Find search engines, financial calculators and career resources.
Employee Assistance Program
• Explore thousands of articles, tip sheets, self-assessments and videos.
July 1, 2022
permissio required
and so much more.
• Animo Self-guided resources to focus, wellbeing and em
• Virtual Support Connec Moderated group therap anonymous, chat-based
Emotional wellbeing and work-life balance resources for you and your family.
Emotional wellbeing and work-life balance resources for you and your family Support for everyday issues. Every day.
SupportLinc offers expert guidance to help address and resolve everyday issues SupportLinc offers expert guidance to help In-the-moment Financial expertise Legal consultation address and resolve everyday issues support Planning and consultation By phone or in-person with Reach a licensed clinician by phone 24/7/365 for imIn-the-moment support mediate assistance. Reach a licensed clinician by phone 24/7/365 for immediate Short-term assistance. counseling
Access in-person or video counseling sessions to Short-term counseling resolve concerns such as Access in-person or video stress, anxiety, depression, counseling sessions to resolve relationship issues, concerns such as stress, anxiety, work-related pressures, depression, relationship issues, or substance work-relatedabuse. pressures, or substance abuse.
with a licensed financial counselor.
a local attorney.
Financial expertise
Planning and consultation Convenience resources with a licensed financial counselor. Referrals for child and elder
care, home repair, housing needs, education, pet care Convenience and so much more.
resources
Referrals for child and elder care, home repair, housing needs, education, pet care and so much more.
Legal consultation Confidentiality By phone or in-person
SupportLinc ensures no one with a local attorney. will know you have accessed the program without your written permission except asConfidentiality required by law. SupportLinc ensures no one will know you have accessed the program without your written permission except as required by law.
Your webportal portal & mobile mobileapp app Convenient, Convenient, on-the-go support Your web and on-the-go support • ■The one-stop shop for program services, The one-stop shop for program information and more.
services, information and more.
• Discover on-demand training to boost ■ Discover on-demand training to wellbeing and life balance.
boostwellbeing and life balance.
• Find search engines, financial calculators ■and Find search engines, financial calcareer resources.
culators and career resources.
• Explore thousands of articles, tip sheets, and videos. ■self-assessments Explore thousands of articles,
tip sheets, self-assessments and videos.
• Textcoach® Textcoach® Personalized coaching with a licensed Personalized coaching with a licensed counselor on mobile or desktop counselor on mobile or desktop • Animo Animo resources to improve Self-guided Self-guided to improve fofocus, wellbeingresources and emotional fitness
cus, wellbeing and emotional fitness • Virtual Support Connect Moderated group therapy sessions on an Virtual Support Connect anonymous, chat-based platform
Moderated group therapy sessions on an anonymous, chat-based platform
Support for everyday issues. Every day.
9
Life Insurance BASIC LIFE INSURANCE AND AD&D International Alliance Group pays 100% of the cost of this LifeShield Group Term Life Insurance Plan. Coverage for each full-time benefit eligible member is $25,000. 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.
HOW IT PAYS 100% benefit amount if your death is the result of an accident, in any year. You also have the option to convert this term life policy into a whole life policy up to age 70.
Year 1
If a death is to occur in the first year the benefit payout is 120% of all premiums paid.
Year 2
If a death is to occur in the second year, the benefit payout is 20% of the full amount.
International Alliance Group pays 100% of the cost of the Term Life and AD&D.
10
Year 3
If a death is to occur within or after the third year, the payout is the full benefit amount.
Zero Monthly Cost International Alliance Group covers the cost of health insurance for our employees. Employees are only responsible for any out of pocket expenses they may incur.
MEDICAL PLANS - MONTHLY
GEOBLUE VALUE PLAN EMPLOYEE
$0.00
DENTAL PLAN EMPLOYEE
$0.00
VISION $0.00
11
Important Phone Numbers & Websites GeoBlue www.geobluestudents.com 855.282.3517 (inside the US) 610.254.5304 (outside the US)
Reliance Standard 800.497.7044 Find a Dentist dentalnetworkpartners.ameritas.com
International Alliance Group Monica Sanders monica@iagusa.org 602.670.7942
Find a Vision provider www.vsp.com/eye-doctor SupportLinc Employee Assistance Program 888.881.5462
ABOUT THIS BOOKLET This booklet highlights important features of International Alliance Group’s benefits for its benefit eligible members. 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
12
