Table of Content
- Header
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Page
- Welcome
- Overview
- Open Enrollment
- Enrollment
- Medical
- Kavira
- Wellness Programs
- Dental
- Vision
- Life and AD&D
- Voluntary Life and AD&D
- Disability
- Additional Resources through Unum
- FSA
- HSA
- Voluntary Options
- 2024 Wellness Challenges
- Value Adds
- Benefit Summaries
- Plan Documents
- Contact Us
- Footer
Welcome
Helping you and your family reach and maintain good health is very important to us. Arthur Chapman is 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.
Eligibility
Regular employees working at least 30 hours per week are eligible to participate in benefits offered by Arthur Chapman. When you enroll in the benefits program, you may also cover your eligible dependents. Dependents include your legal spouse, child(ren) up to age 26 (regardless of student status, marital status, residence, or financial dependence on you), and an unmarried child incapable of self-support.
Overview
Arthur Chapman remains committed to providing a competitive, cost-effective benefit program.
Please review your 2024-2025 Benefits Guide for information on all of your benefits.
Enrollment
We are pleased to offer our employees an easy to use, online enrollment tool called Ease. Please use the link below to access your enrollment.
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.
Refer to your 2024-2025 Employee Benefits Guide or contact Human Resources if you have questions about qualifying events.
Medical
Arthur Chapman offers two medical plans - the $1,500 Deductible plan with HRA and the $3,200 Deductible plan with HSA - both plans are available through HealthPartners. The medical plans offered to Arthur Chapman employees utilizes the Open Access Network which is an open access provider through HealthPartners. You are also covered by the Cigna network when you travel outside of Minnesota.
Both plans include prescription drug coverage. Be sure to check the provider websites to find doctors, use the tools and get the latest information.
HealthPartners Member Portal
Want to find a doctor in your network? Or wondering how much you’ll have to pay for that last visit? You can access this information all in one place. Have your member ID card available and sign up to get started by visiting the website below or use the myHP mobile app.
Membership allows you to find a doctor in your network, view claims, see benefits and coverage details, get support with your health goals and print member ID cards.
Health Reimbursement Account (HRA) Contributions
The HRA is employer-funded and available to you only while employed at the Firm and enrolled in the Firm’s HealthPartners HRA medical plan. Your HRA funds offset deductible expenses only. The funds are automatically applied to your deductible expenses by HealthPartners and paid directly to your provider. You do not need to file a claim to utilize HRA funds. Unused HRA funds will carry-over to the following plan year, but your funds will not exceed the plan year deductible maximum of $1,500 single and $3,000 family.
Doctor On Demand
With Doctor On Demand, Board-certified doctors are available 24/7, 365 days a year to treat many common medical conditions. You can also schedule next-day appointments to see licensed psychologists and psychiatrists between the hours of 7 a.m. to 10 p.m., local time.
Doctor On Demand services include treatment for common medical conditions such as:
- Cold & flu
- Sore throat
- Skin issues/rashes
- Abdominal pain
- Allergies
- Travel illness
- Ear infection
- Migraines
*Cost varies depending on services provided.
Virtuwell
With Virtuwell you can receive 24/7 care from home, work or even in line for coffee. Visit the Virtuwell website below, answer a few questions and in 30 minutes or less a board-certified nurse practitioner emails and texts you your treatment plan, including any prescriptions. No charge for a visit, deductible does not apply. Unlimited follow up calls are free. Visit the HealthPartners Virtuwell website below and use your member ID card to check your cost.
Pharmacy
Employees who have elected medical coverage receive prescription drug coverage through HealthPartners Pharmacy Program. You can purchase prescriptions through a national network of retail pharmacies or through the mail order program. CVS and Target pharmacies are in the HealthPartners retail pharmacy network.
Please note, as health plan, HealthPartners will no longer cover weight loss drugs. For the specific formulary list, please log on to your secure member portal to check your pharmacy benefits.
For more information on your medical plan please see the Benefit Summaries section.
Kavira
NEW FOR 2024 TO MEMBERS ENROLLED IN EITHER OF OUR MEDICAL PLANS
Kavira offers a better healthcare experience for you and your family. Kavira's experienced team of clinicians provide same day primary and urgent care via home visits and telehealth. No more needing to leave your home to see a doctor, all care is provided through house visits or through the mobile app.
Members can do everything online or in the app, including messaging, scheduling house visits, requesting prescription refills, and videochatting with Kavira providers. A Kavira provider will work with you to assess your symptoms and answer any questions you may have.
BENEFIT HIGHLIGHTS
- 100% free for employees* - All care for you and your family has already been paid for by your employer (*$5 fee for home visits if on the HSA plan).
- Unlimited on demand - Kavira's responsive providers are here for you, and there is no limit to the number of visits you or your family may have
- Complete convenience - Prescriptions delivered to your home
- No paperwork - Forget filling out and mailing forms it’s all done through the app
CLINIC HOURS
House visits: Weekdays 8:00 am-7:00 pm
Virtual Visits: Weekdays 8:00 am-7:00 pm, Weekends, 12:00 pm-4:00 pm
*Note: Employees in zips 53527, 55976, and 56401 would be eligible for telehealth only.
*Note: Employees in TX, FL, and VA would not be covered by Kavira services.
Please note the zip codes listed were taken from a census during a specific time. For a full map of the areas Kavira services, please use the link below to see the map of Kavira's home visit areas covered.
Wellness Programs
HealthPartners wants health and wellness in every part of your life. That’s why they offer members physical, mental and over all wellbeing resources. Remember, you can always log onto your HealthPartners for more information about any of the following programs.
CareLine
When you need answers to health related questions or advice on how to best deal with an illness, injury or medical emergency, one phone call will link you to a registered nurse available 24 hours a day, 7 days a week. CareLine is free to all members. Call 612-339-3663 or 800-551-0859.
BabyLine Phone Services
BabyLine focuses on the special needs of expectant and new parents up to six weeks after delivery. Learn about healthy eating during pregnancy and which over-the-counter medications are safe. Available 24/7. Call 612-333-BABY (2229) or 800-845-9297.
HealthPartners Nurse Navigator Program
When you need help navigating complex health and insurance issues, call one of the HealthPartners Nurse Navigators. They can help guide you through difficult decisions to ensure you make the right choice while getting the most from your medical coverage. Available Monday through Friday, 8:00 a.m. through 5:00 p.m. CST. Call 952-883-5000 or 800-883-2177.
Wellbeats
Wellbeats is an on-demand fitness platform with 450+ workouts for all ages, abilities, and interests. No matter where you are in your fitness journey, Wellbeats has a starting place for you. With workouts for all ages from toddlers to seniors, Wellbeats can be used by all members of the family. Mindfulness courses, office breaks, and no equipment options are also included. Get started by signing in to your HealthPartners online account and selecting the Living Well tab.
Building Emotional Resilience Courses
These are short, three-session courses. Learn to replace negative self-talk, improve your listening skills and more. Find all the courses by visiting the link below.
Behavioral Health Navigators
Mental health and chemical health concerns are sensitive issues that you don’t want to discuss with just anyone. Our Behavior Health Navigators are staffed with professionals who can help answer questions and guide you through your behavioral health network, benefits and services. Available Monday through Friday, 8:00 a.m. to 5:00 p.m. CST. Call 952-883-5811 or 888-638-8787.
Discount Program
HealthPartners provides some free perks with their Healthy Discounts Program. Simply give your HealthPartners member ID card to participating retailers to receive Healthy Discounts on exercise equipment, classes, snowboard and ski equipment, spa, pet insurance and wellness services and much more. Log on to the HealthPartners discount programs using the link below for the discount list.
Condition Management—Personal Nurse Support
Living with a health condition is easier when you have a team of people to support you. Get support for conditions like asthma, depression, diabetes, heart disease and rheumatoid arthritis. Nurses can help with questions and resources about your condition, discuss how treatment is going, navigate the health system and your benefits, work with your doctor and more. Call 952-883-5469 or 800-871-9243. You can also visit the HealthPartners nurse support website below to learn more about this service.
Tobacco Cessation Program
Quitting tobacco and vape may be one of the hardest things you’ll ever do. Through HealthPartners you can get help from a health coach who will help you set goals and give you support and encouragement to reach those goals. Sign up with a health coach at 800-311-1052. In addition to a health coach, your health plan may help pay for medicines to help you quit. Visit the HealthPartners tobacco cessation program website below or call the Member Services number on the back of your member ID card. for more information.
Omada
Omada® is a personalized program designed to help you reach your health goals—whether that's losing weight, lowering your blood pressure, or staying on top of your diabetes. It combines real human support with the latest technology so you can make lasting changes, one step at a time. If you or your adult family members are at risk for type 2 diabetes or heart disease, or are living with diabetes or high blood pressure, and enrolled in a HealthPartners® health plan, your company will cover the entire cost of the program. Find out if you are eligible using the link below.
For more information on these resources please see the Value Adds section.
Dental
Arthur Chapman offers a dental plan administered by HealthPartners. The plan provides coverage for exams, X-rays, cleanings, fillings and major dental work such as crowns and bridges. You may use any dental provider, but your out-of-pocket cost will be less if you use an in-network provider. Visit the HealthPartners website below or call 800-883-2177 for a list of participating providers.
Dental Summary
All deductibles and out-of-pocket maximums will accumulate on a Calendar Year basis (January 1 to December 31). This is a summary of benefits only. Complete details, limitations and exclusions will be provided in the certificate of coverage provided when enrolled. In the event of a conflict between this benefit summary and the contract, the contract will apply.
Benefit Level 1: Features highly respected clinics within the Twin Cities and St. Cloud that deliver quality and cost savings. This tier includes more than 300 dentists, including the HealthPartners Dental Group.
Benefit Level 2: Includes more than 2,600 dentists throughout Minnesota and bordering communities and more than 130,000 PPO providers nationwide.
Little Partners Dental Benefit
Children 12 and younger are covered 100% at in-network dentists, with no deductibles, no coinsurance and no annual maximum.
For more information on your dental plan please see the Benefit Summaries section.
Vision
Arthur Chapman offers vision coverage through Superior Vision to help pay for eye exams, prescription glasses and contact lenses. You receive a higher level of benefits when you see a provider in the Superior Vision Network. Review your coverage details in your benefit guide.
To find out if your provider is in-network, please visit Superior Vision website below.
For more information on your vision plan please see the Benefit Summaries section.
Life and AD&D
Arthur Chapman provides you with Basic & Life/AD&D coverage through Unum at no cost to you.
Employees working 30 or more hours per week are eligible for 1.5x your annual salary to a maximum of $300,000 in group life and accidental death and dismemberment (AD&D) insurance. Arthur Chapman pays for the full cost of this benefit - meaning you are not responsible for paying any monthly premiums.
Who's Your Beneficiary? Naming a beneficiary is a crucial part of electing life insurance. Also, don't forget to update your primary or secondary beneficiary if you experience a life event, such as divorce or birth of a child.
For more information on your life/AD&D insurance plan please see the Benefit Summaries section.
Voluntary Life and AD&D
A sudden accident or death can leave you or your loved ones in a vulnerable position. Employees have the opportunity to enroll in Term 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.
Employee
- Available in $10,000 increments with a maximum of $100,000 or 5x your basic annual earnings.
- Guarantee issue of $100,000.
Spouse
- Available in $10,000 increments with a maximum of $30,000.
- Guarantee issue of $30,000.
Dependent Child(ren)
- Birth to 6 months: $1,000
- 6 months to age 19 or 26 is Full-Time Student: $10,000
For more information on your voluntary life/AD&D insurance plan please see the Benefit Summaries section.
Disability
Arthur Chapman provides you with Short Term and Long Term Disability coverage through Unum at no cost to you.
Short Term Disability
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. You are eligible for short term disability following 1 year of employment.
Benefits
- Coverage Amount: 60% of your weekly earnings
- Maximum Weekly Benefit: $500/week
- Elimination Period: 14 days
- Maximum Duration: 11 weeks
Long Term Disability
Serious illnesses or accidents 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.
Benefits
- Coverage Amount: 60% of your monthly earnings
- Maximum Monthly Benefit: $10,000
- Elimination Period: 90 days
- Maximum Duration: 2-year own occupation or 20% earnings loss
Please consult your Employee Benefits Guide and review the plan benefit summary in the Benefit Summaries section for additional details.
Additional Resources through Unum
Employee Assistance Program (EAP)
Work/Life Balance: The EAP is provided to all employees through Unum. Employees have access to master level consultants 24 hours a day, 365 days a year. The EAP services are designed to help you be healthier and more productive by assisting you with problems both at work and at home.
Call 1-800-854-1446 or visit the Unum website below.
Worldwide Emergency Travel Assistance
The Worldwide Emergency Travel Assistance program helps you obtain quality care when you have a health emergency while traveling 100 miles or more from home or in another country. Unum partners with Assist American to provide this service. The program can also assist with replacing lost or stolen prescriptions and passports, legal and interpreter referrals and much more. Before traveling, ask Human Resources for your travel assistance wallet card.
Will & Personalized Legal Center
Your Personalized Legan Center also contains state-specific templates for power of attorney, trusts, estate planning, and more as well as access to a legal library. You will be able to create your legal form or document instantly and ready it for printing. Educational content, definitions, and help prompts are available for each form or document. Your documents can be stored on a secure server and accessible 24.7 via a unique username and password.
How to get started:
- Log onto your member website (Unum EAP Link below).
- Click on the "Access Your EAP Benefits".
- Scroll down and select the Personalized Legal Center.
ID Theft Recovery
Thousands of people become victims of identity theft every year. While you might think you are safe because you don't share your password, Unum provides you access to helpful information/tips to avoid thieves from getting your personal information in addition to:
- Connect you to a Trained Resolution Specialist for a free, telephone consultation (up to 60 minutes) to help you restore your identity and good credit.
- Provide professional coaching to help dispute fraudulent debts that result from identity theft.
- Offer a free ID Breach Scan through the Personalized Legal Center on our member website to see when and where your personal data may have been breached.
Medical Bill Saver
It can be overwhelming to receive a large bill for medical or dental care. Health Advocate’s Medical Bill Saver™ service can help. Our skilled negotiators can help lower your out-of-pocket costs on bills that are not covered by insurance — at no cost to you! Even with the best of intentions, you could receive a large medical or dental bill because you went to an out-of-network provider, or received care you thought was covered by your insurance plan.
Travel Assist
Unum provides travel assistance for situations where you may experience a medical emergency while traveling, access pre-trip information, country guides, search for local pharmacies, download a membership card, and more. View the flyer below for more information.
Life Planning Financial & Legal Resources
When a loved one is terminally ill, or passes away, you may need help with personal, financial, and legal decisions that need to be made. Support is always avilable when you are protected by Unum's Group Life Insurance. View the flyer below for more information.
FSA
Flexible Spending Accounts (FSAs) are voluntary accounts that allow you to set aside pre-tax money for certain health and dependent care expenses. These are separate accounts with separate purposes, and therefore the money in one account cannot be used to satisfy expenses in the other. As an Arthur Chapman employee, you can choose to participate in one or all of these accounts depending on your needs. The Flexible Spending plan is administered by SuperiorUSA Benefits.
When you establish an FSA, you will be able to choose the annual amount you want to contribute to the account, up to certain plan limits. This amount is deducted from your paycheck in equal installments before Federal Security taxes are withheld. FSAs are a great way to save money, but keep in mind, they are "use it or lose it" provisions for each account, which means you will forfeit any balance that is left in your FSA at the end of the year.
You do not have to be enrolled in the Firm's medical, dental or vision plans to be eligible to participate in the FSA, however, if you are enrolled in the HRA medical plan through the Firm be sure to factor the employer-fund HRA dollars when estimating how much pre-tax dollars should be set aside.
Health Care Flexible Spending Account
Employees who are enrolled in the $1,500 deductible plan and not enrolled in a Health Savings Account (HSA) or High Deductible Health Plan (HDHP) may participate in the Health Care Flexible Spending Account.
You can elect up to $3,200 in the Health Care Flexible Spending Account for 2024. You can use this money to pay for eligible medical, dental, and vision expenses you or your dependents incur during the plan year.
The plan includes a carryover provision, that allows employees to carry up to $640 of unused Health Care FSA dollars into 2025. Any balance remaining will be forfeited.
Limited Health Care Flexible Spending Account
The Limited Health Care Flexible Spending Account is for all employees who contribute, or have a spouse who is contributing to a Health Savings Account or High Deductible Health Plan (includes expenses for dental, orthodontic and vision care only).
You can elect up to $3,200 in the Limited Health Care Flexible Spending Account for 2024.
The plan includes a carryover provision, that allows employees to carry up to $640 of unused Health Care FSA dollars into 2025. Any balance remaining will be forfeited.
Dependent Care Flexible Spending Account
This annual maximum applies to all contributions made by you and your spouse to a dependent care account. You can be reimbursed for any daycare expenses you have in a plan year if the expenses are necessary to allow you and your spouse to work.
Eligible expenses may include:
- Before and after school programs
- Daycare
- Nursery school
- Summer day camps
The maximum amount you can contribute to the Dependent Care FSA is $5,000 per year (or $2,500 if married and filing separately).
HSA
If you have enrolled in the Aware $3,200 High Deductible Health plan with HSA, you may be eligible to open a Health Savings Account (HSA) through SuperiorUSA. Health Savings Accounts are a great way to save money and pay for qualified medical expenses.
HSA's are tax-advantaged savings accounts that accompany high deductible health plans (HDHPs). HDHPs offer lower monthly premiums in exchange for a higher deductible (the amount you pay before insurance kicks in).
What are the benefits of an HSA?
- It saves you money. HDHPs have lower monthly premiums, meaning less money is being taken out of your paycheck.
- It is portable. The money in your HSA is carried over from year to year and is yours to keep, even if you leave the company.
- It is a tax-saver. HSA contributions are made with pre-tax dollars. Since your taxable income is decreased by your contributions, you'll pay less in taxes.
Important HSA Rules
To be eligible for our HSA, you must be enrolled in a High Deductible Health Plan through Arthur Chapman. In addition, in order to contribute, you must NOT:
- Be claimed as a dependent on someone else's tax return.
- Have other health plan coverage that provides benefits covered under the HDHP Plan (for example, a Health Care Flexible Spending Account, a separate prescription drug plan or a spouse's non-HDHP plan).
- Have a spouse with a Health Care Flexible Spending Account that could reimburse your medical expenses.
- Be enrolled in a government health plan, such as Medicare or Medicaid.
- You must re-enroll in your HSA each year during open enrollment to participate in the plan.
If you are age 55 or older you may make an additional "catch-up" contribution of $1,000.
Please note: Dependent health care costs are qualified expenses under your HSA plan, as long as they are claimed as your tax dependent. After age 19, when they are no longer considered your tax dependent, their medical costs will no longer be considered a qualified expense.
Your contributions into your Health Savings Account can be changed at any time in Ease. To access your online account or review/change your beneficiary, be sure to visit to link below.
Contributions
Voluntary Options
Arthur Chapman provides eligible employees with the opportunity to participate in a variety of voluntary benefits.
Accident Insurance
Accident insurance can pay you money based on the injury and the treatment you receive, whether it’s a simple sprain or something more serious, like an injury from a car accident. The Accident Insurance Plan can pay you a benefit for an emergency room treatment, stitches, crutches, injury-related surgery and a list of other accident-related expenses. You can also purchase coverage for your spouse and dependent children. This plan includes a $50 wellness benefit per insured, per year.
Critical Illness
Critical Illness, including cancer, impacts so many lives. Critical Illness pays a lump-sum cash benefit that can help with expenses if you or a covered family member is diagnosed with a covered condition which includes:
- Heart Attack
- Major organ failure
- End-stage kidney failure
- Benign brain tumor
- Coronary artery bypass surgery (pays 25% of lump sum)
- Invasive cancer
- Stroke
- Paralysis
This plan also includes a $50 wellness benefit per insurance, per year. The plan has a 12/12 pre-existing limitation. Lookback period is 12 months and must be treatment free for 12 consecutive months.
If you elect the Accident and/or Critical Illness insurance, you can earn an incentive for taking care of your health. Each of your covered family members are also eligible for this benefit. Under the Wellness Benefit you can receive a $50 check for having important tests and screenings each year. Many of these tests are routine, so it is easy to take advantage of this benefit. For more information refer to your coverage document.
How To File a Claim:
- Go to unum.com/access.
- If filling for the first time, click “Create an account.” We recommend using a personal email address that is easily accessible when away from work. If you already have an account, enter your email.
- Once you’re logged in, begin with “Start a Claim or Leave” to provide initial details of what happened.
- Add claimant information as requested, including:
- Your employment information
- Medical care resulting
- Medical providers visited: physicians, hospitals, other medical professionals
Questions?
Call 1-800-445-0402 for assistance.
Hospital Insurance
Hospital Insurance helps covered employees and their families cope with the financial impacts of a hospitalization. You can receive benefits you’re admitted the hospital for a covered accident, illness or childbirth. Coverage includes:
- $1,500 for each covered hospital admission - once per year
- $100 for each day of your covered hospital stay, up to 60 days
You can also purchase coverage for your spouse and dependent children.
Pet Insurance
Arthur Chapman knows that pets are important members of many families. Please reference the flier in Ease for more details.
To begin, enroll through the Pet Best website below or call 888-984-8700
Reference Discount Code: ACKSPPET
Identity Theft
Arthur Chapman offers you the opportunity to enroll in an Identity Theft Protection plan through IDShield.
The IDShield membership includes:
- Privacy monitoring: Name, SSN, date of birth, email address, phone numbers, drivers license and passport numbers along with your medical ID numbers.
- Security Monitoring: SSN, credit cards and bank account monitoring, sex offender search, financial activity alerts and quarterly credit score tracking.
- Consultation: Includes 24/7/365 life support for covered emergencies, unlimited counseling, alerts and data breach notifications.
- Full Service Restoration: Complete identity recovery services by Kroll Licensed Private Investigators, it will restore your identity to its pre-theft status.
The IDShield covers the employee and their family. A family rate covers the spouse and up to 8 dependents up to the age of 18.
For more information on these resources please see the Value Adds and Benefit Summaries sections.
2024 Wellness Challenges
Arthur Chapman is partnering with NFP to offer Wellness Challenges for 2024. NFP’s online challenges offer meaningful wellness initiatives that support the well-being of our employees.
Benefit Summaries
Contact Us
As you consider your benefit options, please be sure to review all available information: Employee Benefits Guide and other videos and flyers found on this webpage. If you don't understand your benefits or need any assistance, please contact:
Debbie Piche
dlpiche@arthurchapman.com
612-375-5995