International Alliance Group Member Benefits Guide 2024-2025
International Alliance Group is proud to offer you a rich benefits package to include medical, prescription, 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 20
2 Contact benefits@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
The company that will administer the medical insurance benefits for International Alliance Group
2
3
The company that will reprice your physician and hospital claims
The company that will provide International Alliance Group’s prescription benefits
SUMMARY
Medical benefits provide you access to quality health care . International Alliance Group offers a very rich medical plan provided through HealthComp Enrolled members have access to coverage, with claims processing and customer service being provided by HealthComp
To contact HealthComp, please go to myCareHC.com/iag or call 800-843-3831.
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 Note that you would be responsible for anything exceeding the Plan’s Allowable per Benefit Maximum or Coverage Year Limit should you reach that limit within a Plan Year
Medical Plan
Coverage Year Limit
Deductibles
per Covered Person
HealthComp - Medical Benefits | FairosRx - Prescription Benefits
Open Network
$1,000,000
$500 per Plan Year (Medical only)
Coinsurance 20%
Out-of-Pocket Maximum
per Covered Person
Hospital Services
Inpatient Hospital
Outpatient Hospital
Emergency Room
Urgent Care
Routine Services
Office Visit
Specialist Visit
$5,000 per Plan Year
Coinsurance applies Deductible and Copays do not apply
Deductible, then $50 copay and 20%
Deductible, then $50 copay and 20%
Deductible, then $250 copay and 20%; copay waived if admitted
Deductible, then $75 copay and 20%
$30 copay
$50 copay
Preventive Care Paid 100%
Prescription Drugs*
Generic
Preferred brand
Non-preferred brand
Specialty
30 Day Supply
$15 copay
$30 copay
$45 copay
$75 copay
*Deductible does not apply to prescription benefits,
Other Covered Services
Emergency Medical Evacuation
Emergency Family Travel Arrangements
Repatriation
Accidental Death & Dismemberment
Global Assistance Services
90 Day Supply
$30 copay
$60 copay
$90 copay
N/A
Maximum benefit up to $100,000 per coverage year
Up to a maximum benefit of $1,500 for one person
Maximum benefit up to $50,000
Principal sum up to $10,000 for insured employee; $5,000 for spouse, $1,000 for child(ren)
Emergency medical and travel assistance services provided, including coordination of all evacuations and repatriations if needed
All Benefits run on a Plan Year basis, July 1 - June 30
Telehealth
Teladoc-24/7/365 on-demand access to affordable, quality healthcare Anytime, Anywhere
Regardless of the plan you choose you should never be without Teladoc, the only 24/7 telehealth and wellness service designed for the modern family Whenever you have an issue, simply connect with Teladoc 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, 24/7 . 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
What can be treated?
■ Acne
■ Allergies
■ Asthma
■ Bronchitis
■ Cold & Flu
■ Constipation
■ Diarrhea
■ Ear Infection
■ Fever
When should I use Teladoc?
■ 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
How much does it cost?
■ There is no consultation fee to use this service
■ Headache
■ Insect Bite
■ Joint Aches
■ Nausea
■ Rashes
■ Sinus Infection
■ Sore Throat
■ UTI
■ And more!
Dental Plan
Vision Plan
All standard lenses are covered.
OPEN NETWORK
Exam
$10 Copay
Frequency Each Plan Year*
Frames Covered 100%
Single/Bifocal/Trifocal/ after $25 copay
Lenticular
Progressive Lenses
Standard covered after $25 copay
Frequency Each Plan Year*
Frames or Contact Lenses
$130 Allowance
$60 copay for fit & follow-up exam
Frequency Each Plan Year*
*Plan Year is defined as July 1 - June 30
Welcome to HealthComp
HealthComp is dedicated to simplifying your healthcare management.
Dear Plan Participant,
As your health benefits administrator, HealthComp is committed to providing you with the right tools to easily navigate your health plan
Enclosed you will find your new health plan ID card(s)
Forget your ID cards? No problem.
You can easily access digital versions of your ID cards at any time with our mobile app Just scan the QR code below or search for “myCareHC” in the Apple App Store or Google Play
You can also access them by setting up your account at mycareHC .com/IAG
Here are just a few things you can do with HealthComp:
■ Make sense of your benefits
■ Find doctors
■ Schedule appointments
■ Understand how claims are processed
■ Get connected to the right programs at the right time
■ Free access to a licensed clinical team:
■ Certified nurses
■ Licensed dietitians
■ Social workers
■ Other clinical specialists
Present your cards
Questions?
Please call Member Services at the
HealthComp/Fairos Medical Benefits FAQ
What can I expect from Fairos?
■ Personal member advocate dedicated to you
■ Access to a portal giving you real-time updates 24/7
■ No member homework / balance bill packets
■ Balance bills are settled within a week to a few months
■ Timely updates from your personal member advocate
How do I access medical care?
Your health plan is an open network This means every doctor / provider is eligible to deliver services to you If the front desk staff has any questions about your insurance that you cannot answer, advise them to call HealthComp at 800-843-3831
How do I pay my medical bill?
1 Compare the price of your medical bill to your Explanation of Benefits (EOB) before making any payment
2 You will receive your EOB in the mail
3 . If the price of your medical bill matches your patient’s responsibility on the EOB, you can pay the bill
4 If the price of your medical bill does not match your patient’s responsibility on the EOB, this is a balance bill
What do I do if I receive a balance bill?
1 Call HealthComp at 800-843-3831 to confirm you have a balance bill
2 HealthComp will confirm & then transfer you to your personal member advocate at Fairos
3 You will know your Fairos Advocate’s name and have direct access to them via phone & email
4 Your Advocate will set you up on the Fairos portal so you can track the status of your balance bill
5 . Expect frequent updates from your Fairos Advocate at a minimum of every 15 calendar days until it’s resolved
What do I tell the provider if they do not recog nize my insurance or Member ID card?
Fairos is an open network that allows you to access the provider of your choice They can call HealthComp at 800843-3831 for any questions regarding your Fairos benefit plan HealthComp’s number is on the back of your Member ID Card
What if my doctor or hospital has questions about my insurance plan?
What happens if the provider requests payment at time of service?
Confirm with the provider that they called HealthComp to verify benefits Any applicable co-pays will need to be paid at time of service
How do I find a provider that will accept my insurance?
Fairos is an open network, meaning you can go to your provider of choice If you’re having difficulty finding a provider to accept your insurance, you can call HealthComp at 800-8433831 HealthComp will assist in finding an alternative provider that can provide the medical services you need
What happens if the provider won’t accept my insurance?
Your doctor or hospital should call HealthComp HealthComp will handle any questions regarding your Fairos benefit plan
Call HealthComp at 800-843-3831 for further assistance
FairosRx Prescription Benefits FAQ
Who is FairosRx?
FairosRx is a Pharmacy Benefit Manager (PBM) located in Amarillo, TX We partner with employers to administer prescription benefits for their covered enrollees and dependents
Who do I contact with questions about my prescription benefits?
The Member Services team at FairosRx is here to assist you by answering questions related to your prescription benefits such as drug coverage, copays and out of pocket amounts, prior authorizations, network pharmacies, mail order and more! You can reach us by phone at 833-464-9600 or email us at contactus@fairosrx com
How do I create a FairosRx member portal account?
Creating a FairosRx member portal account is easy! Please have your prescription/medical ID card available as you will need information from your card for account registration
Please follow these simple steps:
1 Go to fairosrx com and select Member Login
1 Enter the subscriber’s last name, date of birth and member ID number The subscriber is the employee who carries the benefits
1 Select the member for whom you are creating the account and verify their date of birth
1 Enter a username, email address and password
1 You’re done!
How do I find pharmacies in my network?
FairosRx has over 67,000 pharmacies in our nationwide network . Members can view a listing of participating pharmacies by going to the Pharmacy Lookup tool on the FairosRx Member Portal or by calling member services at 833-4649600 Pharmacies can be filtered by zip code and 24-hour locations
How do I determine my copay or out of pocket amount?
To determine your copay or out of pocket amount, please refer to your benefit documents, use the Medication Lookup tool on the FairosRx member portal or call member services at 833-464-9600
How do I know if my drug is covered?
To determine if a drug is covered under your prescription benefits, please refer to your benefit documents, use the Medication Lookup tool on the FairosRx member portal or call member services at 833-464-9600
What is a formulary?
The formulary is a list of generic and brand name medications used to help you determine your copay A group of doctors and other experts choose the drugs on formulary based on their e ectiveness, safety and cost The formulary can be accessed by logging into your FairosRx member portal account and selecting Benefit Documents
What if my medication is not listed on the formulary?
Depending on your benefits, if a brand medication is not listed on the formulary, the brand is considered non-preferred or may be excluded For lower cost and formulary alternatives, please contact member services at 833-464-9600
What is a prior authorization?
Certain medications require an approval before they are covered To determine if a medication requires prior authorization, please go to Benefit Documents on the FairosRx member portal or contact member services at 833-464-9600 .
How do I know if my medication has quantity limits?
To determine if a medication has quantity limits, please go to Benefit Documents on the FairosRx member portal or contact member services at 833-464-9600
How do I sign up for Mail Order?
Members can register for mail order by completing one of the following:
■ Go to fairosrx com to create a member portal account Select the My Prescriptions feature and then click on Visit Mail Order under the Mail Order Prescriptions tab
■ Print, complete and mail your Mail Order Registration Form . The form can be found at fairosrx com under the Member section
How can I order refills?
Mail order refills can be ordered through the FairosRx member portal or automated phone system at 833-464-9600
How do I file for reimbursement if I paid out of pocket for my prescription?
If you paid out of pocket for your prescription(s) and need to file for reimbursement, please complete a Prescription Reimbursement Request Form The form can be found at fairosrx com under the Member Resources section Please note that your original pharmacy receipt must be submitted with your reimbursement request .
Download the FairosRx Mobile App Today
FairosRx Mobile App
You have the power to manage your prescription benefits from anywhere by using convenient mobile app. Whether you are on vacation, at your pharmacy, or in your physician’s office, our mobile app provides you access to the information you need.
Member tools built for you
It’s never been easier and more convenient to manage your pharmacy benefits. Access the FairosRx Member Portal online or on your mobile device. With these powerful tools, you may be able to save money on your prescriptions:
• View lower cost drug alternatives
• Compare prescription pricing at multiple pharmacies
• Evaluate mail order savings
FEATURES
My Account
View member information, manage account permissions and security.
Pharmacy Locator
Locate network pharmacies by zip code.
Medication Lookup
Lookup coverage and pricing information for medications.
FAQ Find answers to questions about the portal, mail order and prescription benefits.
Benefit Documents
View formulary, specialty medication list, quantity limits and more.
Prescriptions
Register for mail order, request mail order refills and view prescription history.
Your web portal and mobile app
• The one-stop shop for program services, information and more.
•
Coming July 1, 2022
• Discover on-demand training to boost wellbeing and life balance.
• Find search engines, financial calculators and career resources.
Employee Assistance Program
Emotional wellbeing and work-life balance resources for you and your family.
Emotional wellbeing and work-life balance resources for you and your family
• Explore thousands of articles, tip sheets, self-assessments and videos.
• Animo Self-guided resources to focus, wellbeing and emotional
• Virtual Support Connect Moderated group therapy anonymous, chat-based
Support for everyday issues. Every day.
SupportLinc offers expert guidance to help address and resolve everyday issues
In-the-moment support
SupportLinc offers expert guidance to help address and resolve everyday issues
Reach a licensed clinician by phone 24/7/365 for immediate assistance .
In-the-moment support
Financial expertise
Planning and consultation with a licensed financial counselor
Financial expertise
Legal consultation
By phone or in-person with a local attorney
Confidentiality
Legal consultation
Reach a licensed clinician by phone 24/7/365 for immediate assistance.
Short-term counseling
Access in-person or video counseling sessions to resolve concerns such as stress, anxiety, depression, relationship issues, work-related pressures, or substance abuse
Short-term counseling
Access in-person or video counseling sessions to resolve concerns such as stress, anxiety, depression, relationship issues, work-related pressures, or substance abuse.
Convenience resources
Planning and consultation with a licensed financial counselor.
Referrals for child and elder care, home repair, housing needs, education, pet care and so much more
Convenience resources
Referrals for child and elder care, home repair, housing needs, education, pet care and so much more.
By phone or in-person with a local attorney.
SupportLinc ensures no one will know you have accessed the program without your written permission except as required by law
Confidentiality
SupportLinc ensures no one will know you have accessed the program without your written permission except as required by law.
Your web portal and mobile app
Your web portal & mobile app
• The one-stop shop for program services, information and more.
■ The one-stop shop for program services, information and more
• Discover on-demand training to boost wellbeing and life balance.
■ Discover on-demand training to boost wellbeing and life balance
• Find search engines, financial calculators and career resources.
■ Find search engines, financial calculators and career resources
• Explore thousands of articles, tip sheets, self-assessments and videos.
■ Explore thousands of articles, tip sheets, self-assessments and videos
Convenient,
Convenient, on-the-go support
• Textcoach®
Textcoach®
on-the-go support
Personalized coaching with a licensed counselor on mobile or desktop
Personalized coaching with a licensed counselor on mobile or desktop
• Animo Self-guided resources to improve focus, wellbeing and emotional fitness
Animo
Self-guided resources to improve focus, wellbeing and emotional fitness
• Virtual Support Connect Moderated group therapy sessions on an anonymous, chat-based platform
Virtual Support Connect
Moderated group therapy sessions on an anonymous, chat-based platform
Support for everyday issues. Every day.
International Alliance Group offers LifeShield Group Term Life Insurance Plan at no cost to the Member
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
Year 3
If a death is to occur within or after the third year, the payout is the full benefit amount
Zero
International Alliance Group enrolls members in health insurance at no cost to the member, unless the member’s District partner chooses to offer coverage . Members enrolled in IAG’s health benefits are only responsible for any out of pocket expenses they may incur
Cancer Awareness
Your best defense against cancer is awareness and prevention.
HealthComp’s Cancer Awareness program is designed to develop a culture of health, create awareness, and ultimately reduce your risk of cancer through early detection and intervention.
What
you can expect from the program
If you, or a covered dependent fall into one of the screening categories below, you will be receiving some helpful information in the mail and a phone call from our Wellness staff to answer any questions that you may have about the screening.
Let’s not stop there! Pass it on, encourage someone else to get their screening done. We can do great things for our health and wellbeing.
Colon cancer
Colorectal cancer almost always develops from precancerous polyps (abnormal growths) in the colon or rectum. Screening tests can find precancerous polyps, so that they can be removed before they turn into cancer. Screening tests can also find colorectal cancer early, when treatment works best.
You should begin screening for colorectal cancer soon after turning 50, then continue getting screened at regular intervals. However, you may need to be tested earlier than 50 or more often than other people if:
• You or a close relative have had colorectal polyps or colorectal cancer
• You have inflammatory bowel disease
• You have genetic syndromes such as familial adenomatous polyposis (FAP) or hereditary non-polyposis colorectal cancer
Speak with your doctor about when you should begin screening and how often you should be tested.
Breast cancer
The best way to find breast cancer early is with regular screenings:
• Women age 35
• Bi-annually 40– 49
• Women age 50 years or older, be sure to have a screening mammogram every year
You can help lower your risk of breast cancer in the following ways:
• Get screened for breast cancer regularly
• Control your weight and exercise
• Know your family history of breast cancer
Cervical cancer
Can cancer of the cervix be prevented?
Most cervical cancer can be prevented. There are 2 ways to prevent this disease. The first way is to find and treat pre-cancers before they become cancer, and the second is to prevent the pre-cancers. Finding and treating pre-cancers before they become cancer A well-proven way to prevent cancer of the cervix is to have testing (screening) to find pre-cancers before they can turn into cancer.
You should start getting regular Pap tests at age 21, or within three years of the first time you have sex—whichever happens first. The Pap test, which screens for cervical cancer, is one of the most reliable and effective cancer screening tests available.
Prostate cancer
Prostate cancer screening means looking for cancer before it causes symptoms. This helps to find cancer at an early stage when it may be easier to treat. Informed decision making occurs when a man:
• Understands the nature and risks of prostate cancer
• Understands the risks, benefits, and alternatives to prostate cancer screening
• Participates in decision making at a level he desires
• Makes a decision consistent with his preferences and values, or defers the decision to a later time
Discuss with your doctor to make screening decisions that are best for you.
Nurturing Together
HealthComp has partnered with your employer to offer FREE access
During pregnancy, we sometimes need someone to turn to for advice and information.
HealthComp’s Nurturing Together Program provides you with access to prenatal nurses and their expertise in the care of parents and newborn babies. Your prenatal nurse remains available to you throughout your pregnancy and six weeks postpartum to assist you in obtaining information and care you need such as:
•Pregnancy & Newborn Baby Care
•Support for Pregnancy Related Issues (nausea, vomiting, diabetes, high blood pressure)
By providing this program at no cost to you, your employer has taken the first step in helping you to have a healthy pregnancy and baby. The next step is yours.
To get the most benefit from the Nurturing Together Program, please contact us as early as possible in your pregnancy or if you are thinking about pregnancy in the near future.
At HealthComp, our commitment is to you. To get started and meet your nurse today, contact us at the information provided below.
Important Phone Numbers & Websites
HealthComp Medical, Dental and Vision Plans
800 .843 3831, M-F (Members) 7:00a-9:00p CST
mycarehc com/iag
Member ID # on ID card is needed to “Sign Up”
FairosRx
Prescription Benefits
833 .464 .9600
FairosRX .com
International Alliance Group benefits@iagusa .org
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 N220, Scottsdale, AZ 85254
