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Benefits Effective January 1, 2025 - December 31, 2025
Open Enrollment runs from 11/25/2024 - 12/11/2024
Helping you and your family reach and maintain good health is very important to Aphase II. We are pleased to offer a selection of benefits designed with your health and financial wellbeing in mind. We review our benefit programs each year to ensure we consider the best combination of benefit coverage, network access and affordability for employees. Aphase II remains committed to providing a competitive, cost-effective benefit program. Each year we take great care and detail in the benefit programs offered to employees.
Review the remainder of this page and the resources to learn more about your benefit plan offerings for 2025!
Open Enrollment is from November 25, 2024, through December 11, 2024. This is the time of year where you can elect new plans with Aphase II. You may switch between plans and make changes without being required to have a qualifying life event.
In today's fast-paced and interconnected world, where stress and mental health issues are on the rise, effective well-being plays a crucial role. At Whitesell Corporation, we recognize that a healthy, content workforce is not only more productive but also fosters a positive culture. We strive for a supportive and inclusive environment where we encourage and support improvement of physical, mental, emotional, and social well-being. Whether within a corporate setting, a community, or on a personal level, well-being focuses on fostering awareness, empathy, and support to create a healthier and more balanced workplace and environment for all. Prioritizing employee wellness and wellbeing is not just a policy but a reflection of our commitment to both the individual and collective success of team.
To access the wellbeing newsletter, which includes resources, tips, recipes, and more, please select the button below.
All FULL-TIME employees working at least 35 hours per week are eligible to participate in the benefit plans offered by Aphase II. When you enroll in the benefits program, you may also cover your eligible dependents. Dependents include your legal spouse and children.
Children are eligible for benefits as follows:
Action Required: All elections must be submitted by December 11, 2024!
ENROLLMENT INSTRUCTIONS:
1. Review the information in this guide and benefit plan summaries.
2. You must complete and sign an enrollment form, even if you are waiving coverage.
3. You will not be allowed to make changes after the open enrollment window closes, unless you experience a qualifying life event.
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 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.
Contact Human Resources if you have questions about qualifying events.
Health Alliance Plan (HAP) | Group #10006514 (PPO) Group #10006513 (HMO) | www.hap.org
HAP will be your medical and prescription carrier. You have the choice between four plans for the 2025 plan year. 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 enroll in one of the medical plans, please be sure to register through the HAP member portal where you can access important information, including participating providers, explanation of benefits, and your deductibles and out-of-pocket costs.
Below is a high-level overview of your plan options and in-network benefit information:
You can view more details of these plans by accessing the benefit summaries provided below.
Helpful Rx Cost Saving Tools & Tips!
MAIL ORDER - Many drugs are available in a 90-day supply, rather than the 30-day retail supply. Typically, mail order drugs are subject to two-times the standard 30-day copays noted above, resulting in lower expenses for you.
SaveOnSP Program - HAP offers a money-saving benefit for members taking specialty medications. SaveOnSP is a specialty drug coupon program for HAP members that focuses on maximizing the assistance available from drug manufacturers to lower member cost for specified prescriptions.
GOOD Rx - There are many tools online that you can use in order to save on prescription costs. One being www.goodrx.com, an online Rx database that allows you to find what pharmacy is the cheapest for your specific prescription. Additionally, you may be able to find a coupon that will greatly reduce your cost. It is important to remember that many of the coupons can only be used outside of your plan (insurance will not be applied and costs with the coupon will not count towards your deductibles and/or out-of-pocket maximums).
ASK YOUR DOCTOR – Make sure to ask if there are cost savings alternatives to the prescription they are providing. Many times, there are generic or different manufacturers that will save you money at the pharmacy.
Amwell through HAP | 866.884.0528 | haptelehealth.org
Traditional virtual visits so you can get the care you need when you need it the most!
Virtual Urgent Care
When you have an urgent care need, Amwell has you covered 24/7 from wherever you are, whether it be at home or while traveling! Common conditions where Virtual Care can be used for urgent care needs include colds, sore throats, urinary tract infections, pink eye, sinus infections, rashes, and more! Visits are available for adults and children.
To get access to these convenience services, visit haptelehealth.org - OR - you may call 866.884.0528. For service key, leave blank.
(866) 346-5800 | memberservices@healthequity.com | www.healthequity.com
You have the opportunity to contribute to a savings account on a pre-tax basis which lowers your taxable income. View the information below for important details and guidelines for the HSA account offered by Aphase II.
The Health Savings Account (HSA) allows you to set aside pre-tax dollars to pay for eligible medical, dental, and vision expenses. The HSA Medical 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.
HSA IRS Maximums are as follows and are on a calendar year basis. The maximums indicated below are a combined maximum for participant and any employer provided funds to the HSA. If you elect the HSA plan mid-year, maximums are prorated based on your effective date in the HSA plan.
If you have an HSA with another bank or custodian, you can transfer your funds to Aphase II HSA with Health Equity by completing this form.
Visit the Health Equity HSA page for more information by clicking HERE!
Group #8233 (EPO) and #1515 (PPO) | 800.524.0149 | www.deltadentalmi.com
Aphase II's dental plans provide comprehensive coverage to help you and your family maintain good dental health. The dental plans include both in and out of network benefits. Although your cost sharing is the same in and out of network, if you do go out of network it is likely that you will experience balance billing.
If you are already enrolled in one of the Aphase II's Delta Dental plans today and have not already done so, please be sure to register through the Delta Dental member portal where you can access important information pertaining to your dental plan with Delta 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 Delta Dental portal as of your effective date of coverage.
Below is a high-level overview of your plan options and benefit information:
What are Preventive Services? Routine oral exams and cleanings, x-rays, sealants & fluoride treatments
What are Basic Services? Periodontics, endodontics (root canals), oral surgery, fillings, prosthetic maintenance
What are Major Services? Prosthodontics, crowns, dentures, implants & bridges
You can view more details of these plans by accessing the benefit summaries provided below.