AITX

Table of Content

  1. Header
  2. Welcome
    1. Open Enrollment
  3. Wellbeing
  4. Eligibility & Enrollment
    1. Eligibility
    2. Enrollment
  5. Medical & Rx
    1. Medical/Rx Plans Overview
    2. Wellness Incentives
    3. Disease Management
    4. Cost Containment Prescription Programs
    5. Carrier Resources & Education
  6. Accounts
    1. Health Savings Account (HSA)
    2. Flexible Spending Accounts (FSA)
    3. Dependent Care Account (DCA)
    4. Commuter
  7. Dental
    1. Dental Plans Overview
    2. Providers & Networks
    3. Carrier Resources & Education
  8. Vision
    1. Network & Resources
  9. Financial Protection
    1. Life/AD&D
    2. Disability
    3. Voluntary Benefits
  10. Personal Support & Assistance
    1. Employee Assistance Plan (EAP)
    2. Travel Assistance
  11. InsurChoice Marketplace
  12. 401k
  13. Additional Educational Videos
  14. Have Questions?
  15. Footer

American Industrial Transport, Inc. (AITX) is proud to offer a comprehensive program of benefits designed to serve the diverse needs of our unique workforce, and we are committed to continually enhancing and expanding our offerings. The information on this landing page and the Benefit Guide is meant to familiarize you with the benefits and programs currently in place.



Highlights of the 2024 benefit plans include:


  • New! Additional plan option for dental
  • Cigna Digital ID Cards - New ID cards will only be available to download on myCigna.com
  • Health Savings Account (HSA) Limits: IRS Maximums for 2024 are increasing from $3,850 individual / $7,750 family to $4,150 individual / $8,300 family



Review the remainder of this page and the resources to learn more about your benefit plan offerings for 2024!

open enrollment

Open Enrollment is from November 6, 2023 through November 17, 2023. This is the time of year where you can elect new plans with AITX. You may switch between plans and make changes without being required to have a qualifying life event. Please also keep in mind the following when making your elections for 2024:



  • THIS IS A PASSIVE ENROLLMENT! If you do not make an election, your current elections will rollover to 2024, with the exception of FSA. If you want to enroll for 2024 you must make an election. Current FSA elections will not carry forward.




Eligibility & Enrollment

All FULL-TIME employees working on average of at least 35 hours per week (30 hours per week for medical) are eligible to participate in the benefit plans offered by AITX. Newly hired employees are eligible to enroll 30 days from their date of hire. When you enroll in the benefits program, you may also cover your eligible dependents. Dependents include your legal spouse and children.


Verification of Eligibility





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Enroll through CBIZ here!

Enroll through CBIZ here!


Action Required: All elections must be completed by November 17, 2023


If you are NOT making any changes to your current medical, dental or vision elections - no action is required.


You must enroll to participate in the Flexible Spending Account(s) in 2024, your current election will NOT carry over to 2024


ENROLLMENT INSTRUCTIONS:

  1. Review your benefit information included on this site
  2. Log into your CBIZ Account
  3. Follow instructions and enroll in your benefits
  4. Make sure to save your elections and save/print your confirmation statement.


The Benefit choices you make during your open enrollment remain in effect for the entire year. You can, however, modify your elections under certain circumstances, called "Qualifying Life Events" These are events such as marriage, divorce, birth or adoption of a child, loss of eligibility under another plan. If you experience a qualifying event, you may make changes to your benefits within 30 days of the event.


Life Events Include


Medical & Rx

Cigna

Group #3343203 | (800) 244-6224 | www.myCigna.com


Cigna will continue to be your medical and prescription carrier. You have the choice between three plans for the 2024 plan year. The three plan options include the PPO plan, the CDHP 1800 plan, and the CDHP 2900 plan. View the Providers & Networks for more information on how these plans networks differ from each other as well as buttons to locate participating providers.


If you are already enrolled in one of the Cigna medical plans today and have not already done so, please be sure to register through the myCigna member portal where you can access important information pertaining to your medical plans with Cigna including participating providers, cost estimates for services, explanation of benefits/claims, and your accumulation amounts for deductibles and out-of-pocket costs. If you are not currently covered, you will be able to register in the myCigna portal as of your effective date of coverage.

myCigna Member Portal

Your coverage must be active to register

myCigna Member Portal

Your coverage must be active t ...


If interested please click on the link below to complete an application. Applying is easy and takes less than five minutes. The screening questions confirm if you are clinically eligible and benefit eligible.


To find an in-network pharmacy near you login to www.myCigna.com

Accounts

You have the opportunity to contribute to a variety of savings and/or spending accounts on a pre-tax basis which lowers your taxable income. View the information below for important details and guidelines for the various accounts offered by AITX

HSA Bank

The Health Savings Account (HSA) allows you to set aside pre-tax dollars to pay for eligible medical, dental, and vision expenses. The CDHP 1800 and CDHP 2900 Plans are qualified for an HSA. By contributing to an HSA you reduce your taxable income, so you pay less in taxes — which saves you money.


Eligibility Requirements

  • Must be enrolled in a High Deductible Health Plan
  • Must not be enrolled in Medicare, TRICARE or TRICARE for Life
  • Must not be covered by other medical insurance(s) such as a general purpose health FSA, HRA and other ‘first dollar’ coverage
  • Must not have received VA medical benefits at any time in the past three months
  • Spouse not contributing to / participating in a general-purpose FSA through his / her employer


Maximum Tax-deductible Contribution to an HSA for 2024:

  • $4,150 for an individual medical insurance plan
  • $8,300 for employee plus one and family medical insurance plan
  • Catch up provision for anyone over the age of 55 is $1,000


AITX Annual HSA Contributions

$400/year


Setting up your HSA for 2024

After you enroll in either the CDHP 1800 or the CDHP 2900 plan, your HSA account will be automatically set up with HSA bank.


Debit Card

An HSA debit card will be provided to all new participants. Your HSA debit card can be used to pay for qualified medical expenses billed from an insurance company, a physician’s office and a pharmacy.


Special Note for first time HSA participants:

If you have a Health Care Flexible Spending Account (FSA) balance on December 31, 2023, including pending claims that have not cleared your account, your HSA cannot be funded by the company until you have a zero balance in your FSA account.

HSA Overview

HSA Overview

HSA Store

HSA Store

American Benefits | www.amben.com


The Flexible Spending Account (FSA) allows you to set aside pre-tax dollars to pay for eligible medical and/or dental and vision expenses. The nice part about an FSA is you have access to the full annualized amount on day one! The election you make cannot be changed throughout the year unless the change aligns with the qualifying event.


There are two types of FSA options:


  • Full FSA: To pay for qualifying medical, dental, and vision expenses. This type of FSA is only available if you do not have an HSA.
  • Limited Purpose FSA: To pay for qualifying dental, vision, and post-deductible medical expenses. This type of FSA is available for those who have an HSA.



Plan Details are as follows:

  • You can contribute up to $3,200 annually.
  • You have 90 days after the end of the plan year to submit for expenses that occurred on or before December 31, 2023.
  • If you are enrolled in an HSA plan, you will be eligible for the Limited Purpose FSA only which can be used for qualifying dental and vision expenses.
  • You have access to your full annualized election amount on day one.
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The Dependent Care Account (DCA) allows you to set aside pre-tax dollars to pay for eligible dependent care expenses. Qualifying expenses include daycare, nursery & preschool tuition, summer day camps, and more!


The election you make cannot be changed throughout the year unless the change aligns with the qualifying event. For example, you can increase your contribution if you add another member to your family through birth or adoption, however, you cannot decrease your contribution for this type of life event. 


Plan Details are as follows:

  • You can contribute up to $5,000 annually or limited to $2,500 if you are married and file separate tax returns.
  • You have 90 days after the end of the plan year to submit for expenses that occurred on or before December 31, 2023.
  • You only have access to the funds of which you have paid into the account.
  • Any unused funds are forfeited.


Note: In order for expenses to qualify for reimbursement, both you and your spouse (if applicable) must be working, looking for work or attending school full time during the period for which you are requesting reimbursement.

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Commuter

Commuted Benefits allow you to pay for eligible transit and parking expenses with pretax dollars. Since they are deducted before federal income taxes and Social Security taxes are calculated, your taxable income is lowered; you pay less tax in each paycheck; and you reimburse yourself with tax-free money from your account.


Dental

Cigna

Group #3343203 | (800) 244-6224 | www.myCigna.com



AITX's dental plans provide comprehensive coverage to help you and your family maintain good dental health. NEW for January 1, 2024, you will now have access to a second lower cost dental plan. Both dental plans include both in and out of network benefits. However, if you do go out of network it is likely that you will experience balance billing.


If you are already enrolled in the AITX Cigna Dental plans today and have not already done so, please be sure to register through the myCigna member portal where you can access important information pertaining to your dental plan with Cigna Dental including participating providers, coverage information, and explanation of benefits/claims. If you are not currently covered, you will be able to register in the myCigna member portal as of your effective date of coverage.

MyCigna Member Portal

Log-In/Register Here!

MyCigna Member Portal

Log-In/Register Here!

You have the choice of two dental plans - The Base Plan includes a deductible (for basic and major services only), no orthodontia coverage, higher cost sharing for basic services and an annual maximum that doesn't accumulate year over year - OR - The Buy Up Plan. The Buy up plan has richer benefits for basic services, includes orthodontia and offers an opportunity to increase your annual maximum if you receive an annual preventive visit each year.

Cigna offers one of the largest dental networks: DPPO. You will not be balance billed if you see a DPPO dentist - giving them added savings. If you do choose to visit a nonparticipating dentist you may be balance billed and may have to pay more.



Locate a participating provider by using the button below.

Vision

EyeMed

Group #1026252 | 866.804.0982 | www.eyemed.com


AITX offers vision coverage through EyeMed to help pay for eye exams, prescription glasses and contact lenses. EyeMed also provides discounts for Hearing Care and Lasik.


If you are already enrolled in the AITX EyeMed vision plan today and have not already done so, please be sure to register through the EyeMed member portal where you can access important information pertaining to your vision plan with EyeMed including participating providers, coverage information, and explanation of benefits/claims. If you are not currently covered, you will be able to register in the EyeMed portal as of your effective date of coverage.

EyeMed Portal

Log In/Register

EyeMed Portal

Log In/Register

Your vision network with EyeMed is the INSIGHT network. You may use the eye care professional of your choice. However, when you visit a participating in-network provider, you receive higher levels of coverage. If you choose to receive services out-of-network, you may be required to pay that provider at time of service and will need to submit a claim to EyeMed for the applicable reimbursement based on the out-of-network reimbursement schedule.


Locate a participating provider using the button, select the INSIGHT network.

Member FAQ

Member FAQ

Hearing Care

Hearing Care

Lasik

Lasik

Financial Protection

AITX understands the importance to you and your family to have strong financial protection. We provide all employees Basic Life/AD&D and Disability coverage at no cost to you. In addition to these benefits, we offer a variety of insurance you can choose from on a voluntary, employee paid basis so you can select what is best for your family. All of these coverages are provided to protect your income and out of pocket expenses.

The Hartford

(800) 549-6514 | www.thehartford.com


A sudden accident or death can leave you or your loved ones in a vulnerable position. AITX provides all eligible employees Basic Life and Accidental Death & Dismemberment (AD&D) coverage in the amount of 1 time's your annual salary up to $500,000 at no cost to you. Employees have the opportunity to enroll in additional Life and Accidental Death & Dismemberment insurance which will supplement lost income in the event of an accident or death. If you choose to enroll in employee coverage, this will be in addition to your employer provided Basic Life coverage.





The Hartford

AITX provides both Short & Long Term Disability benefits through The Hartford


AITX provides a competitive benefits package for all employees as part of our total compensation package. We realize you make benefit choices based on what’s important to you and the needs of your changing lifestyle. Therefore, along with our core benefits, we offer these additional benefits which help to provide financial support to you. These benefits are paid for through payroll deduction on a post tax basis so that the benefits are tax free.


Accident, Critical Illness, & Hospital coverage is provided through Cigna. Hopefully you are never in the position to use it, but if you were to experience an accident, illness, or hospitalization, it could end up costing you a lot of money. With these plans, you will be paid money for qualifying situations/services to cover our of pocket expenses or you may use the funds for whatever you like.


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Personal Support & Assistance

AITX realizes that your needs go beyond just the standard insurance. This is why we also provide all employees and their families access to personal service and assistance resources at no cost. Here you will find information on our Employee Assistance Program to give you peace of mind and support when you need it the most!

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For access over the phone, simply call toll-free 800-96-HELPS (800-964-3577) or visit guidanceresources.com to access hundreds of personal health topics and resources for childcare, elder care, attorneys or financial planners.


If you’re a first-time user, click on the Register tab.

  • In the Organization Web ID field, enter: HLF902
  • In the Company Name field at the bottom of personalization page enter: ABILI
  • After selecting “Ability Assist program”, create your own confidential username and password

InsurChoice Marketplace


For More Information Click Here

401k

T.Rowe Price

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Additional Educational Videos

Have Questions?

Your NFP Claims Advocate

Our group insurance benefits are managed by NFP. AITX has a dedicated Claims Advocate, Nyisha Learperl, whose role is to assist you with any issues or problems you may be having with your medical/Rx, dental, or vision benefits. For example, you may have trouble reading a statement from the carrier or think that your doctor’s office is not charging you correctly. Our Claims Advocate can explain your benefits and acts on your behalf when communicating with the insurance carrier or physician’s office.



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