INTRO

Welcome!


Helping you and your family reach and maintain good health is very important to Media Loft.


Media Loft is pleased to offer an extensive selection of benefits designed with your health and financial wellbeing in mind. We review our benefit program each year to ensure our offerings provide the best combination of benefit coverage, network access and affordability.


Eligibility

You are eligible for benefits if you are a regular, full-time employee who works 30 hours or more per week. If you are eligible, you may enroll in benefits the first of the month following 30 days of employment. If you previously waived any benefits, you have the option during Open Enrollment to enroll or make benefit changes and add or drop dependent coverage without having a qualifying event.

OVERVIEW

An Overview of 2022 Benefits

Media Loft currently provides the following employee benefits:


  • BlueCross BlueShield Medical
  • Delta Dental
  • Health Care and Dependent Care Flexible Spending Accounts (FSA)
  • Basic life/AD&D insurance (company paid)
  • Voluntary life/AD&D insurance


New for 2022!

  • Addition of a third medical plan option: High Deductible Health Plan (HDHP) with $3,000 deductible
  • Addition of Health Savings Account (HSA) compatible with the HDHP with a one-time Media Loft contribution of $100 for those enrolled in the HDHP.
  • Limited FSA option to reimburse dental and vision expenses only. This option is available to those enrolled in the HDHP with HSA medical plan.


Your Employee Benefit Guide and this web page provides general information as an overview. If there is any discrepancy between the insurance carrier's certificate of coverage or Summary Plan Description and this web page or Benefit Guide, the insurance plan documents will prevail.

ENROLLMENT

How To Access Your Benefits

Open Enrollment for your 2022 benefits will run November 29 to December 10. Employees need to actively re-enroll in each of your benefits by 11:59 PM on December 10th.

You can access your current benefits by logging into G&A Partners using your individually provided credentials as shown below:


Website: https://worksight2.gnapartners.com

Username: Worksight 2.0 Email

Password: Worksight Password


If you are enrolling in benefits, follow the process as outlined below:

  1. Log into the system using your unique username and password as described above.
  2. Click on the Benefits tile.
  3. You will land on the Welcome Page. Click "Next" at the bottom of the page to advance through the enrollment.
  4. Your available medical plan options will appear on the first screen. Use the toggle buttons to add dependents to the coverage. Click "Select" on the medical plan you wish to enroll in. You may click "Compare" to see additional plan information. When you have finished selecting or waiving the medical coverage, click the "Next" button at the bottom of the page.
  5. Continue through each screen either selecting or waiving the coverage.
  6. After completing all coverage options and clicking the "Next" button, you will see a Benefit Summary list of all enrollments and waived plans. Scroll to the bottom and click the "Submit" button.

ELECTION CHANGES

The Benefit choices you make during your initial enrollment or annual 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 or 60 days if the event is due to birth or adoption of a child.


Refer to your Employee Benefits Guide or contact G&A Partners if you have questions about qualifying events.

MEDICAL

Blue Cross Blue Shield MN

Media Loft offers three medical plan options for full-time employees. Each option provides high-quality, affordable medical care, including preventive care, doctor's visits, hospitalization, and emergency care. However, each plan has unique characteristics and advantages. The plans are offered through Blue Cross Blue Shield of Minnesota.


PLAN CHOICES

  • Plan T22111: $1,000 deductible with 30% co-insurance after deductible and office visit/Rx co-pays
  • Plan T22001: No deductible with 10%-20% co-insurance and office visit/Rx copays
  • Plan T22075: $3,000 deductible with 0% co-insurance - Health Savings Account compatible


NETWORK: Aware: In this network you have access to the largest selection of providers in Minnesota


BCBS $0 Deductible Plan SBC

Download Summary of Benefits & Coverage

BCBS $0 Deductible Plan SBC

Download Summary of Benefits & ...

BCBS $1,000 Deductible SBC

Download Summary of Benefits & Coverage

BCBS $1,000 Deductible SBC

Download Summary of Benefits & ...

BCBS $3,000 HSA Plan SBC

Download Summary of Benefits & Coverage

BCBS $3,000 HSA Plan SBC

Download Summary of Benefits & ...

BCBS KeyRx Drug List

Download Document

BCBS KeyRx Drug List

Download Document

BCBS Value-Added Benefits

VALUE-ADDED BENEFITS:

As a Blue Cross Blue Shield member you have access to additional resources to assist you in managing your health and wellness. Click on the videos or informational flyers below to learn more about:


  • Doctor on Demand: Online care with board-certified physicians and licenses psychologists and psychiatrists
  • Learn to Live: Online cognitive behavioral health therapy to help you get a handle on stress, anxiety and worry
  • Omada: Diabetes and heart disease prevention program
  • Sharecare: Take the RealAge test to discovery how it compares to your biological age based on your answers to a few questions. Sharecare provides you with educational resources to guide you in your journey to good health.


Doctor on Demand

2 minute video

Doctor on Demand

2 minute video

Learn to Live

2 minute video

Learn to Live

2 minute video

Omada

2 minute video

Omada

2 minute video

Sharecare

2 minute video

Sharecare

2 minute video

Doctor on Demand Flyer

Download Benefit Overview

Doctor on Demand Flyer

Download Benefit Overview

Learn to Live Flyer

Download program overview

Learn to Live Flyer

Download program overview

Omada Program Flyer

Download program overview

Omada Program Flyer

Download program overview

Sharecare Portal Registration

Download program overview

Sharecare Portal Registration

Download program overview

HSA

Health Savings Account

New for 2022!


If you choose to enroll in the new $3,000 HDHP, you may also contribute to a Health Savings Account (HSA). Media Loft will make a one-time contribution of $100 for 2022 into your account to get your started!


A Health Savings Accounts (HSA) is a tax-advantaged savings account which is paired with a high deductible health plan exclusively for the purpose of paying qualified medical, dental, and vision expenses for you, your spouse and your dependents. Over-the-counter (OTC) drugs and medicines are also eligible.


An HSA is tax-free times three. When the funds are used to pay for qualified medical expenses, you do not pay taxes on:

  • Contributions
  • Earnings
  • Withdrawals


At enrollment, you select how much money you want deducted from each paycheck on a pre-tax basis to meet your medical needs. You may change your election throughout the year. Unlike flexible spending accounts, you own this account and the money contributed rolls over from year-to-year - allowing you to save for future medical expenses. If you leave employment, you can take your HSA with you.

What is a Health Savings Account?

2 minute video

What is a Health Savings Account?

2 minute video

2022 HSA Highlight Sheet

Download document

2022 HSA Highlight Sheet

Download document

2022 HSA Brochure

Download document

2022 HSA Brochure

Download document

HSA FAQ

Commonly Asked Questions & Answers

HSA FAQ

Commonly Asked Questions & Ans ...

FSA

Flexible Spending Accounts

Full-time employees have the option to enroll in a flexible spending account through Benefit Extras.


The Health Care and Dependent Care Flexible Spending Accounts (FSA) allow you to set aside pre-tax dollars to pay for eligible expenses. By contributing to one or both of the Flexible Spending Accounts you reduce your taxable income, so you pay less in taxes — which saves you money.


Contributions

The election you make during enrollment is your election for the entire plan year. You may change it only if you have a qualifying life event and the change request must be consistent with the event.


You may contribute as follows:

Health Care FSA

  • Up to $2,850 annually (or in accordance with IRS 2022 limits)
  • All benefit eligible can participate, unless you or your spouse are contributing to an HSA.
  • Reimbursements allowed for unreimbursed medical, prescription, dental, and vision expenses. Other the counter drugs and medicines are also eligible.


Limited Health FSA

  • Up to $2,850 annually (or in accordance with IRS 2022 limits)
  • Only participants who contribute to an HSA can participate
  • Reimbursements allowed for unreimbursed dental and vision expenses ONLY.


Dependent Care FSA

  • Up to $5,000 annually
  • Limited to $2,500 if you are married and file separate tax returns


How the Plan Works

You must incur your eligible expenses during the plan year — January 1 to December 31. An expense is considered to be incurred when the service is performed, not when you are billed or pay for the service. You do, however, have until March 31st annually to file your claims. Any funds after March 31 unclaimed will be forfeited.

FSA Overview

2 minute video

FSA Overview

2 minute video

What is a Limited Purpose FSA?

2 minute video

What is a Limited Purpose FSA?

2 minute video

2022 Flex Highlight Sheet

Download FSA Highlights

2022 Flex Highlight Sheet

Download FSA Highlights

2022 Limited Purpose FSA Fact Sheet

Download Document

2022 Limited Purpose FSA Fact Sheet

Download Document

DENTAL

Delta Dental Plan

Media Loft provides two dental plan options to full-time employees through Delta Dental of Minnesota.


  • Plan #T02413: provides care through the larger Delta Dental Premier network of dentists. Your deductible is $50 single and $150 family with an annual benefit maximum of $1,000 per person.


  • Plan #T02414: allows you to choose between the smaller PPO network and the larger Premier network. Obtaining care within the PPO network provides you with the greatest benefits of higher reimbursement percentages and deeper provider discounts - thereby saving you money in out-of-pocket costs. The PPO Network provides 100% coverage for preventive services, no deductible and a $2,000 per person benefit maximum. Care within the Premier network provides 80% coverage for preventive services, an annual deductible of $25 single and $75 family.


There is no coverage on either plan for orthodontia services.


Find a Dentist Tool Video

Find a Dentist Tool Video

Plan #T02413 Benefit Highlights

Plan #T02413 Benefit Highlights

Plan #T02414 Benefit Highlights

Plan #T02414 Benefit Highlights

BASIC LIFE/AD&D

Media Loft provides full-time eligible employees with basic term life and accidental death and dismemberment (AD&D) coverage at no cost to you.


The life benefit is payable to your designated beneficiary in the event of your death equal to 1x annual base salary. AD&D benefits are payable to you in the event of a dismemberment or an additional benefit is payable to your beneficiary if your death is the result of an accident.


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 a divorce or birth of a child.

ID Theft Assistance Flyer

ID Theft Assistance Flyer

Travel Assistance Flyer

Travel Assistance Flyer

Employee Assistance Plan (EAP)

Employee Assistance Plan (EAP)

VOLUNTARY LIFE

Overview of Voluntary Life Coverage for You and Your Family

Voluntary Term Life and Accidental Death & Dismemberment (AD&D) Insurance through Unum can provide money for your family if you die or are diagnosed with a terminal illness.


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 a divorce or birth of a child.

Contact Us

As you consider your benefit options, please be sure to review all available information. If you have any questions, please contact the G&A Partners Customer Care Center.


Hours: Monday - Friday | 7:30 a.m. to 7:00 p.m. CST

Phone: 1-866-497-4222

Email: customercare@gnapartners.com