Your Benefit Period
January 1, 2023 – December 31, 2023
For Full-Time Employees Only
Buckingham, Doolittle & Burroughs, LLC sponsors the Buckingham, Doolittle & Burroughs, LLC Welfare Benefit Plan under plan number 501 and hereby provides notice of the plan offerings which are effective on 1/1/2023. Please refer to the section below for an overview of benefits and plan changes. If you have any questions about these changes in benefits, please contact, Caytie Matti at
(330) 643-0351 or cmatti@bdblaw.com.
EFFECTIVE January 1, 2023 Overview of Changes:
Medical/RX: Provided through Medical Mutual of Ohio
Medical/RX: Provided through Aultcare with no plan changes
Dental: Provided through Lincoln
Vision: Provided through EyeMed with no plan changes
Basic Life/AD&D: Provided through Lincoln. 100% Employer paid benefit at no cost to you.
Long-Term Disability: Provided through Lincoln. 100% Employer paid benefit at no cost to you
Voluntary Life/AD&D: Provided through Lincoln. Available for employees.
Buckingham, Doolittle & Burroughs, LLC offers healthcare plans to best fit the needs of you and your family. All medical plans use the Anthem network. See the below options to find what works best for you!
Medical Mutual PPO $1,500
Single: $1,500
Family: $3,000
Out Of Pocket Max
Single :$3,000
Family: $6,000
Preventive Services: Covered at 100%
Primary Care: $25 copay
Specialist Visits: $50 copay
Urgent Care: $75 copay
Emergency Room Visits: $250 copay
Medical Mutual HSA $3,000
Single: $3,000
Family: $6,000
Out Of Pocket Max
Single :$3,000
Family: $6,000
Preventive Services: Covered at 100% after Deductible
Primary Care: Covered at 100% after Deductible
Specialist Visits: Covered at 100% after Deductible
Urgent Care: Covered at 100% after Deductible
Emergency Room Visits: Covered at 100% after Deductible
New Medical Mutual of Ohio ID Cards will be mailed in December due to the out of Ohio network changing from Aetna to Cigna effective 01/01/2023
Click on the button below to see the Medical Mutual web site
AultCare PPO $1,000
Single: $1,000
Family: $2,000
Out Of Pocket Max
Single :$1,500
Family: $3,000
Preventive Services: Covered at 100%
Primary Care: Covered at 80%
Specialist Visits: Covered at 80%
Urgent Care: Covered at 100%
ER Visit : Covered at 100%
Medical Mutual is implementing the following pharmacy program enhancements:
SaveonSP – Manufacturers provide savings for certain specialty drugs
•Target specialty drugs across several therapy classes
•Members who enroll in this program will receive a $0 copay amount of these drugs
•Specialty drugs are filled exclusively by these pharmacies:
•Accredo (owned by Express Scripts)
•Gentry Health Solutions (owned by Discount Drug Mart)
•University Hospitals Specialty Program
Home Delivery Active Choice – Member’s choice Mail Order or Retail
•Letters will be sent to members who are currently filling long-term prescriptions at a retail pharmacy
Opt out of mail order by calling Express Scripts (Rx number on ID card) and advise they want to continue to fill prescriptions at their retail pharmacy.
MMO PPO
30 -Day Supply 90- Day Supply
Tier 1 $10 Tier 1 $25
Tier 2 $40 Tier 2 $120
Tier 3 $70 Tier 3 $210
Tier 4 25% to $350 Tier 4 25% to $350
MMO HSA
RX is covered at 100% after deductible for all tiers 30 or 90 day supply
AultCare PPO $1,000
30 -Day Supply 90- Day Supply
Tier 1 $10 Tier 1 $27
Tier 2 $20 Tier 2 $45
Tier 3 $30 Tier 3 $55
Tier 4 $45 Tier 4 $85
Take charge of your health care spending with a Health Savings Account (HSA). Contributions to an HSA are tax-free, and no matter what, the money in the account is yours!
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.
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; and – You can change your HSA contribution at any time during the plan year for any reason
HSA Contribution Limits 2023
HSA "Catch-Up" Contributions
HSA Employer Contributions
You may use the bank of your choosing for your Health Savings Account.
HSA Eligibility Requirements
To have an HSA and make contributions to the account, you must meet several basic qualifications.
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. The IRS requires HSA funds to be used for qualified expenses only. If you use HSA funds for non-eligible expenses, you will be subject to regular income taxes and an additional 20% excise tax penalty.
Enrollment for the FSA plans occurs in the fall for the calendar year. 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
Dependent Care FSA
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.
Dentists in your plan network.
MAC Plan
Deductible
Single: $50
Family: $150
Preventive Service: 100% covered
Basic Service: 100% covered
Major Service: 50% covered
Ortho: 50% covered
For more detail or to find a dentist click on the Anthem logo below to see the site.
Did You Know?
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.
Plan Features
Covered Services - Contacts
Benefit Frequency
Basic Life/AD&D
Coverage Amount: Flat $50,000 Benefit or 1.5x your annual salary, rounded to the next higher $1,00 Accidental Death and Dismemberment (AD&D) - Amount equal to your Life benefit
Guaranteed Issue: $250,000
Benefit Reduction Schedule
Additional Plan Provisions
*Shareholders and Directors have additional Supplemental Life. Please see Human Resources for additional Details.
Voluntary Life/AD&D
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.
Plan Options:
Plan Provisions:
Long term Disability: Serious illnesses or accidents can come out of nowhere. They 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.