Range USA

Table of Content

  1. Header
  2. Overview of Health Benefits
    1. Welcome to your Range USA Benefits
    2. How to Enroll
    3. Eligibility & Qualifying Events
  3. Medical & Prescription
    1. Medical Summary
    2. Summary of Benefits and Coverage (SBC)
    3. Prescriptions
    4. Prescription Summary
    5. Virtual Visits
  4. Spending Accounts
    1. Health Savings Account (HSA)
  5. Dental
    1. Dental Summary
  6. Vision
    1. Vision Summary
  7. Employee Contributions
  8. Basic Life and Voluntary Life
    1. Beneficiary Designation
    2. Guarantee Issue (GI)
  9. Overview of Short Term Disability
    1. Disability Summary
  10. Well-being Hub
  11. Required Notices
  12. Understanding your Benefits
  13. Contact Us
  14. Footer

Welcome to your Range USA Benefits

To Our Employees: 

We have made a conscious decision to offer you benefits because we care about you and your families, and we want to do everything we can to make sure you are taken care of. 

Once again this year, we conducted a thorough review of options available to us and we think we’ve come up with the best possible package. But the process doesn’t stop here—we need you to take an active role in understanding and selecting your benefit options. A strong grasp of the plans available to you will best allow both you and this organization to get the most bang for our buck.  

To help you gain that strong understanding, please read this kit carefully and consult with HR with any questions. 

Open Enrollment Meeting Recording below:

Range USA -Open Enrollment Meeting-20241121_110056-Meeting Recording.mp4

Thank you for all that you do for us!

How to Enroll

All team members have access to our online benefits enrollment platform 24/7 where you have the ability to enroll, select or change your benefits online during the annual open enrollment period, new hire orientation, and for qualifying events.

  • Accessible 24/7
  • View all benefit plan options and your elections
  • View important carrier forms and links
  • Report a qualifying life event
  • Make changes to beneficiary designations and more

New for 2025: Employee Navigator will be replacing

Ease as our employee enrollment platform

The 2024-2025 Benefits Open Enrollment (OE) period is fast approaching! Stambaugh Ness Annual Open Enrollment will take place from Monday, November 18th - Friday, November 29th. During this time, you will have the opportunity to review the benefit offerings, add or remove dependents, and enroll in benefits for the upcoming plan year.

To ensure a smooth enrollment process, we strongly encourage you to take the following steps:

  1. Log In: Make sure you can successfully log in to the Employee Navigator system using the Company Identifier: RangeUSA
  2. Verify Dependents: Ensure that all eligible dependents you plan to cover for 2024-2025 are added as “dependents” on your Employee Navigator profile
  3. Confirm Benefits: Enroll and confirm your benefits for the 2025 plan year.
  4. Update Beneficiary Information: Verify and update your beneficiary details to ensure your information is accurate.
  5. Verify Address: Make sure your address is current to prevent any delays in receiving your new ID cards.

Helpful Tips To Consider Before You Enroll

Do you plan to enroll an eligible dependent(s)?

  • If so, make sure to have their social security numbers and birthdates available. You cannot enroll your dependent(s) without this information.

Have you recently been married/divorced or had a baby? 

  • If so, remember to add or remove any dependent(s) and/or update your beneficiary designation.

Did any of your covered children reach their age limit for this year?

  • If so, they may no longer be eligible for benefits, unless they meet specific criteria

Eligibility & Qualifying Events

The Benefit choices you make during your initial enrollment or annual open enrollment remain in effect for the entire year.


EMPLOYEE ELIGIBILITY

You are eligible to participate if you are full-time and work a minimum of 30 hours per week. Your coverage will be effective 1st of the month following 60 days from your date of hire. You will receive an email from Ease to waive/elect your benefits.


DEPENDENT ELIGIBILITY

You may also enroll eligible dependents for benefits coverage. A ‘dependent’ is defined as the legal spouse and/or ‘dependent child(ren)’ of the plan participant or the spouse. 


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, and 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 Medicare or Medicaid enrollment.


What is a Qualifying Life Event?

• Marriage

• Divorce

• Birth/Adoption of a child

• Death of a spouse or other enrolled dependent

• Change in spouse’s benefits or employment status

• A dependent becomes eligible for Medicare or Medical


Ready to Enroll?


Medical & Prescription

Range USA offers 2 plan options through Anthem.

  • PPO Plan $2,500
  • HSA Plan $4,000

BOTH the PPO and HDHP HSA options offer the freedom to see any provider when you need care. BOTH plans allow you to receive benefits at the discounted network cost, BOTH plans use the same network with the same discounted costs. 

Medical/The HDHP is similar to the PPO Plan in that you have the option to choose any provider when you need care. However, in exchange for a lower per-paycheck cost, you must satisfy a higher deductible that applies to almost all health care expenses, including those for prescription drugs. ​ All expenses are your responsibility until the deductible is reached, with the exception of preventive care, which is covered at 100% when you visit a physician in the network. Once the deductible is met, you are responsible for coinsurance for medical expenses and a copay for prescription drug expenses. This plan allows you to deposit pre-tax funds into an HSA savings account. These funds cover the deductible and other health-related expenses to offset the high deductible and out-of-pocket maximum. For more information, please click the link below (Click here for more information on the HSA).

Medical/A PPO option offers the freedom to see any provider when you need care. Most expenses, such as office visits, emergency room, and prescription drugs are covered by a copay. Other expenses are subject to a deductible and coinsurance.

Utilizing In-Network providers will allow for the highest level of coverage. In-Network providers agree to accept Medical Mutual's contract rate as the final charge and the member is not balanced billed.


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.


Medical Summary

Looking for more details about how items are covered? Please refer to the formal Summary of Benefits and Coverage (SBC) below.

PPO SBC

PPO SBC

PPO HSA SBC

PPO HSA SBC

Prescriptions

TRADITIONAL DRUGS

TIER 1 (GENERIC) | Lowest copay: Most drugs in this category are generic drugs. Members pay the lowest copay for generics, making these drugs the most cost-effective option for treatment.

TIER 2  | Higher copay: This category includes preferred, brand name drugs that don't yet have a generic equivalent. These drugs are more expensive than generics, and a higher copay.

TIER 3  |  Highest copay: In this category are nonpreferred brand name drugs for which there is either a generic alternative or a more cost-effective preferred brand. These drugs have the highest copay. Make sure to check for mail order discounts that may be available.

SPECIALTY DRUGS

TIER 4  | Lowest Specialty Drug copay: Tier 4 specialty drugs are generally more effective and less expensive than nonpreferred specialty drugs in tier 5.

WHERE CAN I FIND A DRUG LIST?

Typically, a full listing of covered drugs is found on your provider’s website. A drug list, also called a formulary, is a list of generic and brand-name drugs covered by a health plan. Although a drug may be on the drug list, it might not be covered under every plan. Review the plan materials for details on specific benefits.

You can use drug lists to see if a medication is covered by your health insurance plan. You can also find out if the medication is available as a generic, needs prior authorization, has quantity limits and more.

On a maintenance medication, you take each month?

Use home delivery from Carlon Home Delivery. Your Rx is delivered to your door about eight days after your Rx is received. Delivery is free!

Prescription Summary


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 medical benefit summaries provided under the Medical & Prescription section above.

RX Summary

A virtual visit lets you see and talk to a doctor from your mobile device or computer. When you use one of the provider groups in our virtual visit network, you have benefit coverage for certain non-emergency medical conditions. Costs must be paid by you at the time of the virtual visit and will apply toward your deductible and out-of-pocket maximum.

WHEN CAN I USE A VIRTUAL VISIT?  ​

When you have a non-emergency condition and:​

  • your doctor is not available;​
  • you become ill while traveling; ​
  • When you are considering visiting a hospital emergency room for a non-emergency health condition. ​

*Your covered children may also use Virtual Visits when a parent or legal guardian is present for the visit.

​

Examples of Non-Emergency Conditions:​

  • Bladder infection​
  • Seasonal flu​
  • Sinus​
  • Sore throat​
  • Stomach
  • Rash​
  • Bronchitis​
  • Diarrhea​
  • Fever​
  • Pink eye

HOW DOES IT WORK?​

The first time you use a Virtual Visits provider, you will need to set up an account with that Virtual Visits provider group. You will need to complete the patient registration process to gather medical history, pharmacy preference, primary care physician contact information, and insurance information.

Each time you have a virtual visit, you will be asked some brief medical questions, including questions about your current medical concern. If appropriate, you will then be connected using secure live audio and video technology to a doctor licensed to deliver care in the state you are in at the time of your visit. You and the doctor will discuss your medical issue, and, if appropriate, the doctor may write a prescription* for you.

Virtual Visits doctors use e-prescribing to submit prescriptions to the pharmacy of your choice. Costs for the virtual visit and prescription drugs are based on, and payable under, your medical and pharmacy benefit. They are not covered as part of your Virtual Visits benefit.

*Prescription services may not be available in all states.

HOW DO I GET ACCESS?​

Learn more about Virtual Visits and access direct links by downloading the Sydney Health App on your phone.

sydney health app

Spending 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 Range USA.

A Health Savings Account (HSA) is a tax-free savings account that is owned by you, it is 100% vested from day one, and lets you build up savings for future needs. The funds may be used to pay for qualifying healthcare expenses not covered by insurance or any other plan for yourself, your spouse, or tax dependents. You decide how much you would like to contribute, when and how to spend the money on eligible expenses, and how to invest the balance.

To be eligible for an HSA, you must be enrolled in a High Deductible Health Plan (HDHP).

UNDERSTANDING YOUR HSA

  • Pre-tax contributions are deducted through payroll and deposited into your HSA account
  • You can use your HSA available funds to pay for qualified medical expenses tax-free
  • HSA funds can be used for non-eligible expenses but will be subject to regular income taxes and a 20% excise tax penalty
  • Unused funds remain in your account for future use and roll over each calendar year
  • HSAs remain with you even if you change health plans or companies. If you open an HSA and later become ineligible to make contributions, you can still use your remaining funds
  • You can change your HSA contribution at any time during the plan year for any reason.

MAINTAINING RECORDS

To protect yourself in the event that you are audited by the IRS, keep records of all HSA documentation and itemized receipts for at least as long as your income tax return is considered open (subject to an audit), or as long as you maintain the account, whichever is longer.

HSA funds may be used for non-eligible expenses but will be subject to regular income taxes and a 20% excise tax penalty.

Range USA's HSA employer contributions are deposited on a quarterly basis on the last payroll of the month in March, June, September, and December. If you are a new hire, rehire or an employee making a mid-year election change, you will only be eligible for Quarterly Deposits remaining for the calendar year. For example, if your election or change is effective July 1st, then you will be eligible for the September and December contributions. If an HSA account is not set up in a timely fashion, you will only receive the Range USA contributions available from the time your account is set up and active in Paycom. Keep in mind, it is the responsibility of the employee to get the necessary application and/or account numbers to the HR Department. 

piggy bank image
HSA Contribution Limits

Dental

Dental Benefits through Anthem provide comprehensive coverage to help you and your family maintain good dental health. Your coverage will be greater when you visit a participating in-network dentist, you will have lower out-of-pocket costs, no balance billing, and claims will be submitted by your dentist on your behalf.

NETWORK: Anthem

How do I find an In-Network Provider? Use the helpful link below!

  • In-Network providers can also be found by visiting your provider’s website below where you can search by location, provider/facility name, or search by specialty.

Did You Know? 

  • You have the freedom to select the dentist of your choice; however, when you visit a participating in-network dentist, you will have lower out-of-pocket costs, no balance billing, and claims will be submitted by your dentist on your behalf.

Pre-treatment Estimate

  • If your dental care is extensive and you want to plan ahead for the cost, you can ask your dentist to submit a pre-treatment estimate. While it is not a guarantee of payment, a pre-treatment estimate can help you predict your out-of-pocket costs.

PREVENTION FIRST!

Your dental health is an important part of your overall health. Make sure you take advantage of your preventive dental visits.

Preventive care services are covered at 100% if you visit an In-Network provider. They are also not subject to the annual deductible.

Looking for more details about how items are covered? Click on the link below to view the formal plan summary.

Dental Benefit Summary

Dental Benefit Summary

Dental Summary


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 above.

Dental Summary

Vision

Range USA offers vision coverage through EyeMed to help pay for eye exams, prescription glasses and contact lenses. You receive a higher level of benefits when you see a provider in network, however, out-of-network coverage is provided but may only be handled as reimbursements in some situations. Please note: Members may choose between prescription glasses (lenses and frame) and contact lenses, not both.

Did You Know?

Eyes can give doctors a clear picture of overall wellness. That’s why vision care—and vision benefits—can help employees stay healthy. A comprehensive eye exam can detect early signs of serious health problems, such as:

    • Diabetes
    • Heart disease
    • High blood pressure
    • High cholesterol
    • Glaucoma and cataracts

To find out if your provider is in-network, please visit the website below.



Vision Summary

Vision Summary

Vision Summary


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 above.

Vision Benefit Summary

Employee Contributions

Pre-Tax Contributions


You share in the cost of your Medical, Dental, and Vision Benefits. Your employee contributions for these benefits are taken out of your pay on a pre-tax basis as set forth below. In addition, if you elect to contribute to a flexible spending account or a health savings account, those contributions will be taken out of your pay on a pre-tax basis based on your election.


After-Tax Contributions


If you choose to purchase Supplemental Life insurance and Optional AD&D insurance benefits for yourself or your dependents, your contributions will be taken out of your pay on an after-tax basis. You will be able to see the costs for these benefits in the enrollment system when you log in.

Medical Employee Contributions

Dental Employee Contributions

Vision Employee Contributions

Basic Life and Voluntary Life


Life insurance is an important part of your financial security. Life insurance helps protect your family from financial risk and sudden loss of income in the event of your death. Accidental Death & Dismemberment (AD&D) insurance is equal to your Life benefit in the event of your death being a result of an accident and may also pay benefits for certain injuries sustained.


Basic - Employer Paid $10,000 Benefit

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.


Voluntary - Employee Paid Life

Coverage is also available for your spouse and/or child dependents, but only after you've elected coverage for yourself. 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. Review the full benefit summary below for additional details.


Employee: $10,000 increments up to 5x your annual salary, to a maximum of $300,000 ($100,000 GI)

Spouse: $5,000 increments up to $150,000 or 50% of what you elect for yourself ($20,000 GI)

Children: $10,000 Benefit, one premium covers all of your eligible children

The portability provision allows you to continue Voluntary Term Life Insurance upon loss of eligibility or termination of employment in these situations:

  • Group policy discontinues the eligibility of a class of employees to which you belong
  • You retire
  • You are terminated or change jobs


This Policy will port into a Term policy.

You have 30 days from the loss of eligibility date to port your Voluntary Term Life.

Conversion allows you to convert your Voluntary Term Life Insurance to an individual life insurance policy in these situations:

  • Employment ends
  • You stop being a member of an eligible class of employees
  • Dependent loss of eligibility
  • The policy terminates


This policy will convert to a Permanent Whole Life policy.

You have 30 days from the loss of eligibility date to convert your Voluntary Term Life.

Basic Life Summary

Basic Life Summary

Voluntary Life Benefit Summary

Voluntary Life Benefit Summary

Beneficiary Designation

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.

Primary Beneficiary: Your primary beneficiary receives your benefits in the event of your death.

Contingent Beneficiary: Your contingent beneficiary receives your benefit, in the event that your primary beneficiary cannot.

*Please make sure your beneficiary information is up to date in Employee Navigator*

*Guaranteed Issue (GI) and Evidence of Insurability (EOI)

When you are first eligible (at hire) for Voluntary Life and AD&D, you may purchase up to the Guaranteed Issue (GI) for yourself and your spouse without providing proof of good health (EOI).

Any amount elected over the GI will require EOI of you do not elect during your New Hire enrollment. If you elect optional life coverage and are required to complete an EOI, it is your responsibility to complete the EOI and send to the provider (address will be listed on your form). In addition, your spouse will need to provide EOI to be eligible for coverage amounts over GI, or if coverage is requested at a later date.

Overview of Short Term Disability

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. Your coverage pays 60% of your income up to a specific maximum in your benefit summary.

STD Benefit Features

  • Benefit begins 15th day Accident/ Illness
  • Benefit equal to 60% of pay – the benefit is taxable income
  • Pre-existing condition limitations apply for the first 12 months
STD Benefit Summary

STD Benefit Summary

How to File and STD Claim

How to File and STD Claim

Disability Summary

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 above.


Disability Summary

Well-being Hub

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. 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 the 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 the team.

 

To access the wellbeing newsletter, which includes resources, tips, recipes, and more, please select the button below.

Wellbeing image

Required Notices

Required Notices

Required Notices

Federal regulations require employers to provide certain notifications and disclosures to all eligible employees. The compliance packet linked is dedicated to those disclosures for your January 1 - December 31 plan year. If you have any questions or concerns please contact your HR Department.

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