Isolatek International

Table of Content

  1. Header
  2. Page
    1. Welcome
    2. Medical
    3. Health Savings Account
    4. Voluntary Benefits
    5. Dental
    6. Additional Benefits
    7. How To Enroll
    8. Contact Information
  3. Footer

Welcome

2022 Annual Enrollment Starts Here!

The Annual Open Enrollment Period is your opportunity to learn about the 2022 Isolatek Employee Benefits Program, review your current coverage and choose the best options for you and your family for the new year. Please review our 2022 Benefits Guidebook to learn more about our benefit offerings.


Highlights for 2022:

  • Medical plan is moving from United Healthcare to Aetna
  • Deductible is increasing by $250 for Employee Only & by $500 for Family coverage tiers
  • PayFlex will be the new Health Savings Account Administrator
  • Isolatek will contribute to your Health Savings Account again this year
  • The wellness incentive will increase for those that reach Vitality’s Platinum status in 2022, they’ll receive $750 in their HSA in January 2023
  • Payroll costs are increasing for medical and dental
  • Open Enrollment elections will be made in ADP – including the Transamerica Critical Illness, Accident, Hospital Indemnity and Universal Life plans
Annual Enrollment – 2022 Benefit Updates

Annual Enrollment – 2022 Benefit Updates

2022 Benefits Guidebook

2022 Benefits Guidebook

Benefits Video Library

Learn more about the benefits available to you through Isolatek

Benefits Video Library

Learn more about the benefits ...

Medical

New for 2022 – Aetna Medical & Prescription Drug Plan

Aetna will be Isolatek’s new health insurance carrier starting January 1!


Highlights for 2022:

  • The in-network deductible will be $2,250 Employee Only and $4,500 for Family coverage tiers
  • The in-network out-of-pocket maximum for those with dependents enrolled will decrease from $7,350 to $6,750 (no change for Employee Only coverage)
  • The Aetna plan includes 100% coverage for one in-network routine eye exam every 24 months
  • Once you reach your in-network deductible, the plan will pay 100% for visits to designated walk-in clinics
  • Certain prescription drug copays will be lower:

*Tier 1 copay will decrease from $15 to $10

*Tier 2 copays – no change

*Tier 3 copay will decrease from $75 to $60


  • Mail Order copays will be lower at 2 times the retail copay for a 90-day supply
  • Payroll contributions will now be based on 4 different enrollment tiers: Employee Only, Employee + Spouse, Employee + Child/Children, Employee + Family (spouse and child/children)
2022 Aetna Benefit Summary

2022 Aetna Benefit Summary

2022 Summary of Benefits & Coverage

2022 Summary of Benefits & Coverage

Introduction to Aetna Presentation

Introduction to Aetna Presentation

Aetna Overview

Aetna Overview

How to Search for an Aetna Network Provider

Follow these instructions until you have your own account on Aetna.com

How to Search for an Aetna Network Provider

Follow these instructions unti ...

Prescription Drug Formulary

Search the drug list to see what drug tier/copay and any specific requirements apply to medications you or your family m ...

Prescription Drug Formulary

Search the drug list to see wh ...

2021 Aetna Preventive Drug List

2021 Aetna Preventive Drug List

Aetna Employee Assistance Program

Aetna Employee Assistance Program

Aetna Website

Register for an account on the Aetna website to find providers and learn more about what Aetna has to offer!

Aetna Website

Register for an account on the ...

Health Savings Account

PayFlex HSA

PayFlex will be our HSA administrator beginning in January 2022! 


As we get closer to the end of 2021, look for information about how to transfer funds from your Optum HSA to your new PayFlex HSA. You can submit the required form to transfer funds after January 1; the process may take 6 – 8 weeks. Optum will charge a $20 fee to transfer your funds.


If you maintain your Optum HSA:

  • You will continue to pay a monthly service fee to Optum (withdrawn from your HSA balance)
  • The Company will not deposit HSA contributions into your Optum account; all HSA contributions will go to your PayFlex Account


For the 2022 plan year, eligible employees enrolled in Isolatek's High Deductible Health Plan will receive a contribution from the Company into your PayFlex 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 2022 Health Savings Account document below for more details.


Important Reminders:

  • If you achieved Gold status or higher in the Vitality Wellness Program in 2021, you will receive an additional $250 deposit into your PayFlex HSA in January 2022.
  • 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 2022 HSA Contribution Limits document below for all the details.
  • The Company will deposit 50% of their contribution into your PayFlex account in January, and the balance will be deposited in July.
  • Your PayFlex HSA bank account must be open and active to receive 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.
2022 HSA Contribution Limits

2022 HSA Contribution Limits

PayFlex HSA Consumer Guide

PayFlex HSA Consumer Guide

Voluntary Benefits

Transamerica Voluntary Benefit Plans

Isolatek employees have access to these voluntary plans from Transamerica:


  • Critical Events
  • Hospital Select
  • Accident Advance
  • Universal Life (with Long Term Care rider)


The Critical Events, Hospital Select and Accident Advance plans each pay you a cash benefit if you have a qualifying illness or event. See the information below to read more about these plans. You can enroll in these plans through your ADP enrollment site.

Accident Advance Brochure

Accident Advance Brochure

Critical Events Brochure

Critical Events Brochure

Hospital Select Brochure

Hospital Select Brochure

Universal Life Brochure

Universal Life Brochure

Dental

Delta Dental of New Jersey

For 2022, Isolatek's Dental Plan continue with no changes to benefits.




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 feature 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 Benefit Summary

Delta Dental Benefit Summary

Delta Dental Website

Visit the Delta Dental website to find a participating dentist near you

Delta Dental Website

Visit the Delta Dental website ...

How To Enroll

Action Required for New Employees

This is an active open enrollment, meaning all employees log into ADP to make benefit elections for 2022. Be sure to complete your elections by November 19, 2021.


Important note for annual enrollment: Prior year benefit elections will not all carry forward. You must make your benefit elections each year during the designed annual enrollment period, even if you are waiving coverage. If you do not enroll at this time, unless you have a mid-year life event, your next opportunity to elect Isolatek's benefits will be in November 2022 (for coverage effective January 1, 2023).


In addition to choosing your benefits for 2022, when you login to ADP:

  • Review and if needed, update your life insurance beneficiary information
  • Check your address and your personal information and update as needed, and
  • Update or add your emergency contact information.


Step-by step Instructions for enrolling in ADP can be found below, and you can use this ADP link to get started!

ADP Instructions

ADP Instructions

Contact Information

Medical | Aetna Health, Inc.

www.aetna.com

1-800-962-6842


HSA | PayFlex

www.payflex.com

1-844-729-3539


Employee Assistance Program | Aetna Resources for Living

www.resourcesforliving.com

Username: isolatek / Password: eap

1-888-238-6232


Dental | Delta Dental of New Jersey

www.deltadentalnj.com

1-800-335-8265


Vision | EyeMed

www.eyemed.com

1-866-939-3633


Flexible Spending Accounts | WEX Health

www.wexinc.com/solutions/benefits/

1-866-451-3399


Life & Disability | Reliance Standard

www.reliancestandard.com

1-800-644-1103


Voluntary Benefits | Transamerica

Includes Accident, Critical Illness, Hospital Indemnity and Universal Life with Long Term Care

www.transamerica.com

Email: support@thevbshop.com

1-866-888-9755


Legal Services and Identity Theft Protection | Countrywide Pre-Paid Legal Services

www.countrywideppls.com

1-800-550-5297


Pet Insurance | Nationwide

www.petinsurance.com/isolatek

1-877-738-7874


Benefit Support | NFP Benefit Support Team

Email: IsolatekBenefits@nfp.com

1-855-287-2202