Table of Content
- Header
-
Page
- Welcome
- Ask Alex
- How To Enroll?
- Medical Benefits
- Telemedicine
- Dental Benefits
- Vision Benefits
- Group Life & AD&D
- Voluntary Life and AD&D
- Short Term Disability
- Long Term Disability
- Supplemental Benefits
- Contact Us
- Annual Notices & Summary of Benefit Summary
- Footer
Welcome
EMPLOYEE ELIGIBILITY
You are eligible to participate if you are full-time and work a minimum of 30 hours per week. Your coverage will be on the 31st day of employment.
DEPENDENT ELIGIBILITY
You may also enroll eligible dependents for benefits coverage. A ‘dependent’ is defined as the legal spouse and/or ‘dependent child(ren)’ of the plan participant or the spouse.
SPOUSE ELIGIBILITY
A spousal waiver provision will be instituted for employees covered under Paragon’s medical healthcare plan. Eligibility for spouses will be denied if they are covered or eligible for subsidized employer healthcare insurance through their employer and the employer provides a premium contribution.
Ask Alex
ALEX®, the official Paragon Tempered Glass benefits counselor, walks you through the process of picking your best benefits, and provides easy-to-understand explanations for any questions you might have along the way.
You’ll receive personalized, confidential benefits guidance, which you can access on any computer, tablet, or smartphone. Before you make your enrollment decisions, let ALEX help you find the plans that make the most sense for you.
Please review our 2023 Employee Benefit Guide Book and be sure to enroll by November 11th 2022.
Remember, this is the only time during the year that you can enroll in coverage or change your benefit elections, unless you have a qualifying event during the year. You have 30 days from the qualifying event to notify HR to make the changes. Common life events are; marriage, divorce, birth, adoption and loss in coverage.
How To Enroll?
All Employees must log in even if you are not making plan changes to verify demographic, dependent (please have dependent social security numbers available) and election information no later than November 11th, in order to elect and confirm benefits for the January 1st effective date.
Paragon Tempered Glass does encourage all employees to learn more about their benefit, by walking through Ask ALEX, however, should you wish to make your elections now:
Please use the link below to go directly to the Ben Xpress log in.
Medical Benefits
Plan 1: HSA $1,500
Deductible
Single: $1,500
Family: $3,00
Out Of Pocket Max
Single:$5,000
Family:$10,000
Preventive Service: Covered at 100%
Primary Care Office Visits: 80% after deductible
Specialist Office Visits: 80% after deductible
Hospital IP, OP Surgery:80% after deductible
OP Lab, X-ray, MRI, Cat Scan:80% after deductible
Urgent Care:80% after deductible
ER :80% after deductible
Plan - 1 Cost Per Pay
Single: $26.79
EE+ Spouse : $ 56.25
EE + Children: $50.90
Family: $80.36
Plan 2 HSA $3,000
Deductible
Single: $3,000
Family: $6,000
Out Of Pocket Max
Single:$5,700
Family: $11,400
Preventive Service: Covered at 100%
Primary Care Office Visits: 90% after deductible
Specialist Office Visits: 90% after deductible
Hospital IP, OP Surgery:90% after deductible
OP Lab, X-ray, MRI, Cat Scan:90% after deductible
Urgent Care:90% after deductible
ER :90% after deductible
Plan - 2 Cost Per Pay
Single: $18.56
EE+ Spouse : $ 38.97
EE + Children: $35.26
Family: $55.67
Plan 3 HSA $4,000
Deductible
Single: $4,000
Family: $8,000
Out Of Pocket Max
Single: $6,350
Family: $12,700
Preventive Service: Covered at 100%
Primary Care Office Visits: 70% after deductible
Specialist Office Visits: 70% after deductible
Hospital IP, OP Surgery:70% after deductible
OP Lab, X-ray, MRI, Cat Scan: 70% after deductible
Urgent Care:70% after deductible
ER :70% after deductible
Plan - 3 Cost Per Pay
Single: $11.04
EE+ Spouse : $ 23.19
EE + Children: $20.98
Family: $33.12
Telemedicine
WHEN CAN I USE Telemedicine?
When you have a minor illness or injury and:
–your doctor is not available;
–you become ill while traveling;
–when you are considering visiting a hospital emergency room for a non-emergency health condition.
*Your covered children between ages of 6 – 18 may also use Telemedicine when a parent or legal guardian is present.
Examples of Non-Emergency Conditions:
-Bladder infection
-Bronchitis
-Diarrhea
-Fever
-Pink eye
-Rash
-Seasonal flu
-Sinus
-Sore throat
-Stomach
HOW DOES IT WORK?
By PHONE:
1.Call 888.691.7867 and press 1 to speak to a doctor
2.A First Stop Health intake agent will ask a few brief questions
3.Within 5 – 10 minutes, a physician will call you back to review history, symptoms and make recommendations.
4.If a prescription is required, patients will be notified via email or text when the prescription has been sent to your preferred pharmacy. PLEASE HAVE YOUR PREFERRED PHARMACY’S PHONE NUMBER AVAILABLE.
●
ONLINE:
1.First time users, watch for a welcome email link which will be sent upon activation.
2.Click on the link in the email and set up your First Stop Health account.
3.Request a consultation online by clicking on “Request a Consult” button on the right-hand side of your dashboard.
4.Returning users, go to www.fshealth.com and follow step 3.
Click on the First Stop Health icon below to enroll
Dental Benefits
UMR Dental Plan
Deductible
Single:$50
Family: $100
Preventive Service: Covered at 100% deductible waived
Basic Service: Covered at 80% after deductible
Major Service: Covered at 50% after deductible
Orthodontia Service: Covered at 50% after deductible
Cost Per Pay
Single: $4.17
EE+ Spouse : $8.88
EE + Children: $12.21
Family: $14.98
Vision Benefits
Maximum Benefit per Year per member enrolled in the Vision - $300
You may enroll as Single, Employee + Spouse, Employee + Child(ren) or Family.
Each member enrolled may receive up to $300 per year for any
combination of Vision Exam, Lenses, Frames and Elective Contacts.
Cost Per Pay
Single: $2.50
EE+ Spouse : $ 3.25
EE + Children: $7.00
Family: $11.00
See HR for more information or if you have any questions.
Group Life & AD&D
BASIC LIFE and AD&D INSURANCE
Life insurance is an important part of your financial security. Life insurance helps protect your family from financial risk and sudden loss of income in the event of your death.
Accidental Death & Dismemberment (AD&D) insurance is equal to your Life benefit in the event of your death being a result of an accident,
and may also pay benefits for certain injuries sustained.
Benefit Reduction Schedule
Your insurance will reduce to:
–35% of the original amount at age 65
–55% of the original amount at age 70
–70% of the original amount at age 75
Basic Life is paid for you by Paragon Tempered Glass
Voluntary Life and AD&D
Employees have the opportunity to enroll in Voluntary Life and AD&D insurance. If you choose to enroll in employee coverage,
this will be in addition to your employer provided Basic Life coverage. Coverage is also available for your spouse and/or child
dependents. It is typically required that you elect coverage for yourself in order to be eligible for coverage on your dependents.
Cost of Coverage
Premiums are based on age-rated tables and paid by the employee every pay period through a payroll deduction. These premiums are post-tax and benefits payable are tax-free. The age-rated tables and premiums are programmed into the BenXpress online enrollment system. You may choose to enroll for Life ONLY, AD&D ONLY or Life and AD&D.
Coverage Options
Employee Coverage
Choose in $10,000 increments up to the lesser of 5x your annual salary or $500,000
Spouse Coverage
Choose in $5,000 increments up to the lesser of 100% of the amount you elect for yourself or $500,000
Dependent Coverage
Choose in $2,000 increments
up to $10,000
Do I have to take a health exam to get coverage?
New Hires who enroll within 30 days of their effective date, can elect up to $100,000 on a guaranteed issue basis without having to provide evidence of insurability. If you choose to enroll at a later date or enroll for amounts in excess of $100,000, medical evidence will be required for any amounts of life insurance. Existing employees who wish to newly enroll or increase their existing amount must complete evidence of insurability that will require medical underwriting approval.
Guaranteed Issue
Employee
$100,000
Spouse
$25,000
Dependent
$10,000
Short Term Disability
SHORT-TERM DISABILITY (STD)
Everyday illnesses or injuries can interfere with your ability to work. Even a few weeks away from work can make it difficult to manage household costs.
Short Term Disability coverage provides financial protection for you by paying a portion of your income, so you can focus on getting better and worry less about keeping up with your bills.
Cost of Coverage
Voluntary Benefit
Employee deduction of $4.50 per week
Elimination Period
This is the number of days that must pass between your first day of a covered disability & the day you can begin to receive your disability benefits.
Benefits begin on the
1st day of an accident and
the 8th day of an illness (including pregnancy)
Benefit Duration
The maximum number of weeks
you can receive benefits while
you are sick or disabled.
Payments may last up to 26 weeks
You must be sick or disabled for the duration
of the waiting period before you can
receive a benefit payment.
Long Term Disability
LONG-TERM DISABILITY (LTD)
Serious illnesses or accidents can come out of nowhere. They can interrupt your life, and your ability to work for months – even years.
Long Term Disability provides financial protection for you by paying a portion of your income, so you have financial support to manage your disability and your household.
Company Paid Benefit
Provided to you at no cost
Your elimination period is 180 days
(if elected, this will be the benefit duration of Short Term Disability)
Payments will last for as long as you are disabled,
or until you reach Retirement Age (age 65),
whichever is sooner
You must be sick or disabled for the duration
of the elimination period before you can
receive a benefit payment.
Supplemental Benefits
Click on the Aflac Icon below for more information about supplemental benefits with Aflac.
To enroll, change or cancel Aflac benefits please see HR
Contact Us
Ashley Reed
Director of HR
419-258-5531 Ext 4818
areed@paragontemperedglass.com
Stephanie Moore
HR Administrator (OH)
419-258-5531 Ext 4800
smoore@paragontemperedglass.com
Connie Glidden
HR Generalist (MI)
269-684-5060 Ext 5232
cglidden@paragontemperedglass.com
Account Team Contacts
David Leszcz
Producer / Sales Consultant
dave.leszcz@nfp.com
216-264-2725