Table of Content
- Header
- Welcome
- Open Enrollment
- New Hires/Enrollment
-
Medical
- Summary of Benefits
- Medical Insurance Costs
- Find A Provider
- Health Resources
- FSA
- HRA
-
Dental
- Find A Provider
-
Vision
- Find A Provider
-
Page
- Welcome
- Enrollment
- New Hires
- Medical
- Health Reources
- FSA
- HRA
- Dental
- Vision
- Life & Disability
- Understanding Your Benefits
- Required Notices
- Contact Us
- Footer
Welcome
Helping you and your family reach and maintain good health is very important to City Wide Insulation. City Wide Insulation 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 City Wide Insulation. 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.
New Hires/Enrollment
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."
QUALIFYING LIFE EVENTS
You can change your benefit election during the year if you have a qualifying life event. Qualifying life events include, but are not limited to:
- Marriage, divorce or legal separation
- Birth or adoption of a child
- Change in child’s dependent status
- Death of a spouse, child or other qualified dependent
- Change in employment status or a change in coverage under another employer-sponsored plan
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.
Complete a paper form to enroll in benefits or to change benefits.
Medical
Medica
Medica will administer your medical and prescription drug benefits this year.
All options have been carefully selected to provide the most value to you and your families. City Wide Insulation is offering the $5,000-0% HRA Plan with the Passport and Elect network options. Medica Choice Passport gives you access to a large, national network. The Elect network is a mid-sized regional network and requires you to enroll in a primary care clinic. Choose your own primary care clinic (PCC) – each family member on your plan can select their own too.
Reminder: See the Summary of Benefits and Coverage (SBC) below for more details
When you visit in-network providers, you receive the best benefits. To find out if your provider is in-network, please visit the Medica website below:
- Sign into your account through Medica
- Or search plans by choosing your network
- Or call customer service at 1.952.945.800 or 1.800.952.3455
- MyMedica
- My Health Rewards
- CallLink
- Self Care by AbleTo
- Omada For Prevention
- Ovia Health
- Medica Optum Emotional Wellbeing Solutions Employee Assistance Program (EAP)
- Life Time Digital - Offers on-demand and virtual classes for you at no additional cost. To access the Lifetime digital app, you can simply download the app and log-in without going through the Medica website.
FSA
Flexible Spending Accounts - Health Equity
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:
Traditional Health Care FSA
- Up to $2,500 annually
- 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
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 — March 1 to February 28. 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 May 31st annually to file your claims. Any funds after May 31st unclaimed will be forfeited.
HRA
Health Reimbursement Account - Health Equity
City Wide has set up a Health Reimbursement Arrangement (HRA) for you, it is a tax-advantaged account that allows you as the employee to save on the cost of healthcare. With an HRA, City Wide has set aside a specific amount of pretax dollars for you to pay for healthcare expenses. You pay 50% of your claims on an annual basis and City Wide will pay for 50% of your claims.
Contact Information
MemberServices@healthequity.com
844-351-6856
Dental
Principal
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.
In addition to protecting your smile, dental insurance helps pay for dental care and usually includes regular checkups, cleanings and X-rays. Several studies suggest that oral diseases, such as periodontitis (gum disease), can affect other areas of your body—including your heart. Receiving regular dental care can protect you and your family from the high cost of dental disease and surgery.
City Wide Insulation's dental plan provides comprehensive coverage to help you and your family maintain good dental health. Providers are part of the Principal network, or you may see an out-of-network dentist of your choice. Be aware if you go out-of-network, your costs will be higher.
Vision
Principal
DID YOU KNOW?
- Eye exams can help detect serious eye and general health conditions sooner: high blood pressure, diabetes, heart disease, high cholesterol
- Babies should receive their first professional eye exam at 6 months
- 80% of learning in the first 12 years comes through the eyes
City Wide Insulation offers vision coverage through Principal to help pay for prescription glasses and contact lenses. You receive a higher level of benefits when you see a provider in the Principal Network.
Find A Provider
To find out if your provider is in-network, please visit the Principal website below.
Life & Disability
Principal
City Wide Insulation provides you with Basic Life/AD&D coverage as well as Voluntary Short-Term Disability through Principal.
Basic Life/AD&D
Employees working 30 or more hours per week are eligible for $10,000 coverage payable to your designated beneficiary in the event of your death. An additional accidental death & dismemberment benefit (AD&D) is payable to you in the event of a covered dismemberment or to your beneficiary if your death is the result of an accident.
Voluntary 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 through Principal 66.67% of your income to a maximum of $350 per week.
Understanding Your Benefits
Required Notices
Contact Us
As you consider your benefit options, please be sure to review all available information. If you don't understand your benefits or need any assistance, please contact:
Jennifer Roeder
952-445-1387
jroeder@citywideinsul.com