Welcome
Isolatek's Annual Enrollment is held each year in November. That is your opportunity to make changes for the upcoming plan year. Until the next annual enrollment period, you may only make changes to your elections if you have a qualifying mid-year status change, such as getting married or welcoming a new child.
If you are a new employee, welcome to Isolatek! This is where you can learn about your benefits, and when you're ready, visit the How To Enroll section for a link to access the enrollment website.
This site will remain open to you all year as a resource for details pertaining to the 2021 Employee Benefit Program.
Highlights for 2021:
- No increase to your payroll cost for medical coverage
- Change to the percentage the plan pays after the deductible
- Isolatek will continue to contribute to your Health Savings Account
- Your payroll cost for dental remains the same
- Voluntary vision, pre-paid legal and identity theft - no changes for 2021
2021 Benefits Guidebook
2021 Benefits Guidebook
Medical
Good news for 2021 - there was no increase to your payroll cost for coverage again this year!
The plan changed the percentage of the allowed amount you pay after your deductible is satisfied (coinsurance).
- If you use a participating UHC provider, the plan will pay 80% of the allowed amount after the deductible for medical services (preventive care remains covered at 100%).
- When you use a provider that is not part of the UHC network, the plan will pay 60% of the allowed amount after the deductible is satisfied.
United Healthcare Website
Login to your myuhc.com account to find providers and learn more about what UHC has to offer!
United Healthcare Website
Login to your myuhc.com accoun ...
HSA
For the 2021, eligible employees enrolled in Isolatek's High Deductible Health Plan will receive a contribution from the Company into your active Health Savings Account (HSA). The Company's contribution is based upon your coverage level. If you are enrolled in the HDHP without any dependents, the Company will contribute $500; if you have one or more dependents enrolled, Isolatek will contribute $1,250 to your HSA.
There are limits to the amount you can contribute to your HSA each year. Please see the 2021 Health Savings Account document below for more details.
Important Reminders:
- If you achieved Gold status or higher in the Vitality Wellness Program in 2020, you will receive an additional $250 deposit into your HSA in January 2021.
- The Total Maximum HSA Contribution amounts allowed by the IRS includes any amounts contributed by Isolatek. Plan your payroll deductions and other HSA deposits accordingly, and open the 2021 HSA Contribution Limits document below for all the details.
- The Company will deposit 50% of their contribution into your account in January, and the balance will be deposited in July.
- Your Optum HSA bank account must be open and active to receive the Isolatek's deposits in January and July. Be sure to maintain a balance in your account to keep it active; otherwise you may forfeit the Company's contribution.
What is an HSA?
View this short video from Optum Bank to learn more about Health Savings Accounts
What is an HSA?
View this short video from Opt ...
Voluntary Benefits
As an Isolatek employee, you have access to these voluntary plans from Transamerica:
- Critical Events
- Hospital Select
- Accident Advance
- Universal Life (with Long Term Care rider)
See the information below to read more about these plans. Enrollment in these plans is limited to the annual enrollment period in November of each year. If you're new to the Company and want to enroll, look for more information as we get closer to November.
Dental
For 2021, Isolatek's Dental Plan continued with no changes to benefits or payroll costs.
Reminder - Our Delta Dental coverage includes a “Carryover Max” provision. If you see your dentist during the year for a cleaning or exam, and don’t use more than 50% of your $1,500 annual plan maximum, you can carry over 25% of your unused benefit (up to $375) to the next plan year – a great benefit if you anticipate future dental expenses. To qualify, you must have at least one dental cleaning or oral exam during the plan year and submit a claim for that service, and your claims for the year cannot exceed $750.
Delta Dental Website
Visit the Delta Dental website to find a participating dentist near you
Delta Dental Website
Visit the Delta Dental website ...
Additional Benefits
Isolatek offers you a the opportunity to enroll in a variety of voluntary benefit plans:
- EyeMed Vision
- Limited Purpose Flexible Spending Account
- Dependent Care Flexible Spending Account
- Commuter Benefits (New Jersey employees only)
- Countrywide Pre-Paid Legal Services
- Countrywide Identity Theft Protection
- Nationwide Pet Insurance
See the information below and your 2021 benefits guidebook for more details!
Discovery Benefits FSA Website
Visit the Discovery Benefits Employee Resource Center to learn more about Flexible Spending Accounts
Discovery Benefits FSA Website
Visit the Discovery Benefits E ...
How To Enroll
Benefit elections for 2021 must be made through ADP. You can log into ADP following the link below. You will be prompted to elect or waive coverage.
Important note for annual enrollment: Prior year benefit elections will not carry forward. You must be make your benefit elections each year during the designed annual enrollment period, even if you are waiving coverage. If you do not enroll at that time, unless you have a mid-year life event, your next opportunity to elect Isolatek's benefits will be in November 2021 (for coverage effective January 1, 2022).
Use the ADP link to get started!
Enrollment in the Transamerica plans will open up in November for coverage effective January 1, 2022.
Contact Information
Medical | United Healthcare
1-866-314-0335
HSA | Optum Bank
1-800-791-83661
Dental | Delta Dental of New Jersey
1-800-335-8265
Vision | EyeMed
1-866-939-3633
Flexible Spending Accounts | Discovery Benefits
1-866-451-3399
Life & Disability | Reliance Standard
1-800-644-1103
Member Advocacy | Health Advocate
Email: answers@HealthAdvocate.com
1-866-695-8622
Voluntary Benefits | Transamerica
Includes Accident, Critical Illness, Hospital Indemnity and Universal Life with Long Term Care
Email: support@thevbshop.com
1-866-888-9755
Legal Services and Identity Theft Protection | Countrywide Pre-Paid Legal Services
1-800-550-5297
Pet Insurance | Nationwide
1-877-738-7874