Brunswick Companies
Table of Content
- Header
-
Page
- Plan Highlights
- Medical - Plan 1 - Medical Mutual
- Medical - Plan 2 - Medical Mutual
- Health Savings Account
- Eligibility & Qualifying Life Events
- Virtual Visits
- Dental - Value Plan - Guardian
- Dental - NAP Plan - Guardian
- Vision - Guardian
- Basic Life and AD&D - Guardian
- Voluntary Life and AD&D - Guardian
- Voluntary LTD - Guardian
- Retirement - Fidelity
- My Extras
- Contact Us
- Footer
Welcome to your Medical Benefits Open Enrollment
Medical Benefits will be effective on 12/1/2022- Return Enrollment Form by 11/15/2022
Plan Highlights
Open Enrollment - Medical Only:
Medical - Provided through Medical Mutual
Plan 1 - HSA 3000 - Single Deductible - $3,000 / Family Deductible - $6,000
Plan 2 - PPO 2000 - Single Deductible - $2,000 / Family Deductible - $4,000
Dental - Provided though Guardian
Plan 1 - Value Plan - Single Deductible - $50 / Family Deductible - $100 - 100%/100%/60%
Plan 1 - NAP Plan - Single Deductible - $50 / Family Deductible - $100 - 100%/80%/50%
Vision - Provided though Guardian
VSP Choice Network with $10 exam copay
Basic Life and AD&D - Provided though Guardian
100% Employer Paid - Provides 1x base annual earnings up to $50,000
Voluntary Life and AD&D - Provided though Guardian
100% Employee Paid - Up to the lesser of 5x your salary in $10,000 increments up to $500,000
Voluntary LTD (Long Term Disability) - Provided though Guardian
100% Employee Paid - Covers 60% of your monthly income, up to $10,000 to age 70
Medical - Plan 1 - Medical Mutual
Medical Mutual offers two plan options. Medical Mutual utilizes the SuperMed Network for services provided in the State of Ohio and for services outside the State of Ohio, the CIGNA Open Choice Network is used. Please refer to the Medical Mutual summary of benefits/certificate of coverage for a full description of In-Network and Out-of-Network coverage in addition to the limitations and/or exclusions that may apply to your plan. To find a provider, go to www.medmutual.com
HSA 3000:
IN NETWORK
DEDUCTIBLE:
Single Deductible - $3,000
Family Deductible - $6,000
COINSURANCE (applies after deductible is met) & Out of Pocket Max (includes coinsurance and deductible)
Plan Pays: 100%
Single Out of Pocket Maximum: $5,000
Family Out of Pocket Maximum: $10,000
MEMBER COPAYMENT(S):
Preventative Exam - 100% no deductible
Primary Care (PCP) - Office Visit -100% after deductible
Specialist - Office Visit - 100% after deductible
Urgent Care Facility - 100% after deductible
Emergency Room Visit - 100% after deductible
PRESCRIPTION DRUGS:
RETAIL 30-DAY (medical deductible applies)
Tier 1 - $10
Tier 2 - $35
Tier 3 - $60
Tier 4 - $200 (30 day supply)
MAIL ORDER 90-DAY
Tier 1 - $25
Tier 2 - $87.50
Tier 3 - $150
Tier 4 - n/a
EMPLOYEE CONTRIBUTION - Per Pay:
Employee Only - $0.00
Employee+Spouse - $393.00
Employee+Children - $262.00
Family - $655.00
Medical - Plan 2 - Medical Mutual
Medical Mutual offers two plan options. Medical Mutual utilizes the SuperMed Network for services provided in the State of Ohio and for services outside the State of Ohio, the CIGNA Open Choice Network is used. Please refer to the Medical Mutual summary of benefits/certificate of coverage for a full description of In-Network and Out-of-Network coverage in addition to the limitations and/or exclusions that may apply to your plan. To find a provider, go to www.medmutual.com
PPO 2000:
IN NETWORK
DEDUCTIBLE:
Single Deductible - $2,000
Family Deductible - $4,000
COINSURANCE (applies after deductible is met) & Out of Pocket Max (includes coinsurance and deductible)
Plan Pays: 80%
Single Out of Pocket Maximum: $6,000
Family Out of Pocket Maximum: $12,000
MEMBER COPAYMENT(S):
Preventative Exam - 100% no deductible
Primary Care (PCP) - Office Visit -$30
Specialist - Office Visit - $60
Urgent Care Facility - $75
Emergency Room Visit -$250, then 80%
PRESCRIPTION DRUGS:
RETAIL 30-DAY
Tier 1 - $10
Tier 2 - $30
Tier 3 - $60
Tier 4 - $200 (30 day supply)
MAIL ORDER 90-DAY
Tier 1 - $25
Tier 2 - $75
Tier 3 - $150
Tier 4 - n/a
EMPLOYEE CONTRIBUTION - Per Pay:
Employee Only - $45.00
Employee+Spouse - $528.00
Employee+Children - $367.00
Family - $850.00
Health Savings Account
Video Preview
Understanding an HSA
Understanding an HSA
Available only with Medical - Plan 1 - HSA 3000 Plan
A Health Savings Account (HSA) is a tax-free savings account is owned by you, is 100% vested from day one, and let’s 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 have and HSA you must meet several basic qualifications.
- To be eligible to open and contribute to an HSA, you must have coverage under a qualified High Deductible Health Plan (HDHP).
- Participants cannot be covered by any other health insurance plan that is a non-HDHP with a HSA, i.e., cannot be enrolled in spouses plan that is a PPO (this exclusion does not apply to certain other types of insurance, such as dental, vision, disability or long-term care coverage).
- Participants cannot participate in a Healthcare FSA or spouse/domestic partner’s Healthcare FSA or Health Reimbursement Account (HRA).
- Participants cannot be enrolled in Medicare or Medicaid.
- You cannot be eligible to be claimed as a dependent on someone else’s tax return.
- You have not received Department of Veterans Affairs Medical benefits in the past 90 days, unless the Veteran has a disability rating. (There may be additional special circumstances, check with your tax preparer).
Each year the IRS places a limit on the maximum contribution amount that can be added to your HSA account. For 2023 the contribution limits are,
- Employee Only - $3,850
- Two-Person/Family - $7,750
For a full list of qualified expenses, use the link below to access IRS Publication 502.
Eligibility & Qualifying Life Events
Full-Time Employees
*You are eligible for medical benefits if you are full-time working a minimum of 30 hours per week.
*You are eligible for voluntary benefits if you are working a minimum of 20 hours per week.
*Employees are eligible for benefits the first of the month following 90 days from date of hire.
EMPLOYEE ELIGIBILITY: If you do not enroll during the Open Enrollment period, you must wait until the next Open Enrollment period unless you experience a Qualifying Life Event. If you experience a Qualifying Life Event (i.e., birth or adoption of a child, marriage, divorce, loss of other coverage, etc.) you must enroll within 30 days of the Qualifying Event.
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.
- Your Legal Spouse
- Your Dependent Children: Children are eligible for medical, dental and vision up to the last day of the calendar year the child turns 26. Child life insurance is effective until the last day of the month the child turns 26.
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 Medicaid
If you have a Qualifying Life Event and want to request a mid-year change, you must notify Human Resources and complete your election changes within 30 days following the event. Be prepared to provide documentation to support the Qualifying Life Event.
Virtual Visits
Available to you through MyClevelandClinic.
Speak to a doctor from your mobile device or computer. When you use a provider in our virtual visit network, you have benefit coverage for certain non-emergency medical conditions. Costs must be paid 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.
HOW DOES IT WORK?
- The first time you use a Virtual Visits provider, you will need to set up an account with that provider group. You will need to complete the patient registration process to gather medical history, pharmacy preference, primary care physician information, and insurance information.
- Each time you have a virtual visit, you will be asked brief medical questions about your current medical concern. If appropriate, you will then be connected using secure live audio and video technology to a doctor. You and your 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.
- A $49 copay for Plan 1 (unless the deductible is satisfied then it is covered at 100% for the HSA Plan only) and this must be paid by you at the time of the virtual visit and will apply toward your deductible and out-of-pocket maximum.
- The office visit copay applies with Plan 2.
HOW DO I GET ACCESS?
Learn more about Virtual Visits and access direct links to provider sites using the link below.
Dental - Value Plan - Guardian
Value Plan:
You have the freedom to select the dentist of your choice; however, when you visit a participating PPO or Premier dentist, you will have lower out-of-pocket costs, no balance billing, and claims will be submitted by your dentist on your behalf.
IN NETWORK - DentalGuard Pref - Ohio:
BENEFIT PERIOD: 2 years until 2/1/2023
DEDUCTIBLE:
- Single Deductible - $50
- Family Deductible - $150
*Deductible applies when receiving Basic or Major services (Waived for Preventive Services)
CLASS I: - Covered at 100% (deductible waived)
Diagnostic and Preventive Services - Oral Exams, Cleanings, Bitewing and Full Mouth X-Rays, Sealants (per tooth).
CLASS II: - Covered at 100% (deductible waived)
Basic Services - Fillings (one surgace), General Anesthesia
CLASS III: - Covered at 60% (deductible applies)
Major Services - Scaling & Root Planing (per quadrant), Dentures, Single Crowns, Simple Extractions
ANNUAL MAXIMUM:
Calendar Year Maximum (Allowed per Benefit Period) - $1,000 per covered individual
EMPLOYEE CONTRIBUTION - PER PAY:
Employee - $0.00
Employee+Spouse - $0.00
Employee+Child(ren) - $0.00
Family - $0.00
Dental - NAP Plan - Guardian
NAP Plan:
You have the freedom to select the dentist of your choice; however, when you visit a participating PPO or Premier dentist, you will have lower out-of-pocket costs, no balance billing, and claims will be submitted by your dentist on your behalf.
IN NETWORK - DentalGuard Pref NAP - Ohio:
BENEFIT PERIOD: 2 years until 2/1/2023
DEDUCTIBLE:
- Single Deductible - $50
- Family Deductible - $150
*Deductible applies when receiving Basic or Major services (Waived for Preventive Services)
CLASS I: - Covered at 100% (deductible waived)
Diagnostic and Preventive Services - Oral Exams, Cleanings, Bitewing and Full Mouth X-Rays, Sealants (per tooth).
CLASS II: - Covered at 80% (deductible waived)
Basic Services - Fillings (one surgace), General Anesthesia
CLASS III: - Covered at 50% (deductible applies)
Major Services - Scaling & Root Planing (per quadrant), Dentures, Single Crowns, Simple Extractions
ANNUAL MAXIMUM:
Calendar Year Maximum (Allowed per Benefit Period) - $1,000 per covered individual
EMPLOYEE CONTRIBUTION - PER PAY:
Employee - $0.00
Employee+Spouse - $0.00
Employee+Child(ren) - $0.00
Family - $0.00
Vision - Guardian
Under this plan, 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 from an out-of-network provider, you will be required to pay that provider at the time of service and submit a claim form for reimbursement.
IN NETWORK - VSP Choice Network:
BENEFIT PERIOD: 2 years until 2/1/2023
Vision Exam (with dilation as necessary) - $10
Materials (waived for conventional and planned replacement contact lenses) - Up to $25
COVERED SERVICES – LENSES / FRAMES
Single Lenses - $25
Bifocals - $25
Trifocals - $25
Lenticular - $25
Frame Allowance - Up to $130, then 20%
COVERED SERVICES - CONTACT LENSES
Contact Lenses - Up to $130
Contact Lens Fitting - 15% off
BENEFIT FREQUENCY
Exams - Once every 12 months
Lenses or Contact Lenses - Once every 12 months
Frames - Once every 24 months
EMPLOYEE CONTRIBUTION - PER PAY:
Employee - $0.00
Employee+Spouse - $0.00
Employee+Child(ren) - $0.00
Family - $0.00
Basic Life and AD&D - Guardian
Guardian will continue to provide your Life and AD&D benefits with no plan changes.
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. 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.
BENEFIT PERIOD: 2 years until 2/1/2024
Your Basic Life Benefit
- 100% company paid benefit, no cost to you
- Brunswick Companies provides 1x base annual earnings up to $50,000
- Portable: Continue your term insurance if your employment ends
- Convertible: To individual life policy when coverage ends under the plan
*Please see attached Benefit Summary for more complete plan details*
Voluntary Life and AD&D - Guardian
Guardian will continue to provide your Voluntary Life and AD&D benefits with no plan changes.
Employees have the opportunity to enroll in Supplemental Life insurance. If you choose to enroll in employee coverage, this will be in addition to your employer provided Basic Life coverage. Coverage is also available for your spouse and/or child dependents. It is typically required that you elect coverage for yourself in order to be eligible for coverage on your dependents.
BENEFIT PERIOD: 2 years until 2/1/2024
Your Voluntary Life Benefit
- Available to active full-time employees
- 100% employee paid benefit
- Up to the lesser of 5x your salary in $10,000 increments up to $500,000
- Spouses and children may also be eligible
It is important to name your beneficiary. A beneficiary is the person who will receive your life insurance benefit in the event of your death. You should review your beneficiary elections on a regular basis to ensure they are updated as life changes.
*Please see attached Benefit Summary for more complete plan details*
Voluntary LTD - Guardian
Guardian will continue to provide your Long-Term Disability benefits with no plan changes.
Long-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.
BENEFIT PERIOD: 2 years until 2/1/2024
Your Long-Term Disability Benefit:
- 100% employee paid benefit
- Payments last to age 70 (ADEA)
- Covers 60% of your monthly income, up to $10,000
- Benefit begins after 90 days for both Accident and Illness.
*Please see attached Benefit Summary for more complete plan details*
Retirement - Fidelity
Contact Us
Client Contacts
Lew Patrick
lpatrick@brunswickcompanies.com
(330) 864-8800
Todd Stein
tstein@brunswickcompanies.com
330-864-8800
Account Team Contacts
Kevin Lurie
Producer / Sales Consultant
kevin.lurie@nfp.com
216-410-6751