Medical Plan: Medical Mutual is the current medical carrier.
Dental Plan: Guardian
Vision Plan: Guardian
Basic and Voluntary Life: Guardian
Health Spending Account (HSA): Avidia Bank
Telemedicine: First Stop Health
Employee Assistance: Ease@Work
Wellness: Virgin Pulse
EMPLOYEE ELIGIBILITY: If you do not enroll during your initial eligibility waiting 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.
What is a Qualifying Life Event?
*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.
The City of Maple Heights offers an HSA Plan through Medical Mutual.
Utilizing In-Network providers will allow for the highest level of coverage. In-Network providers agree to accept Medical Mutuals contract rate as the final charge and the member is not balanced billed.
Please see attached Summary of Benefits and Coverage (SBC) for specific details and exclusions.
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 an HSA and make contributions to the account you must meet several basic qualifications.
Full Access 24/7
Once enrolled, you will have 24/7 online access to your HSA and health benefits through My Health Plan.
After logging in, you’ll be able to:
▪ Track HSA and investment balances
▪ Pay for qualified medical expenses
▪ Invest in mutual fund options
▪ Report and reissue a lost or stolen debit card
▪ Use all the health benefits resources on My Health Plan, including My Care Compare and Find a Provider
AccountLink Mobile App
Access your Medical Mutual HSA on the go with Medical Mutual’s AccountLink mobile app. AccountLink lets you manage your Medical Mutual HSA, view your account balance and profile information; submit a claim; and much more from your mobile device. Download the app today for free from the Apple App Store® or Google Play™ by searching for AccountLink.
Medical Mutual Debit Card
Your HSA comes with a Medical Mutual debit card that can be used to pay for qualified medical expenses, including doctor’s visits, prescriptions and more
For more information, please reach out to the Finance Department.
Your dental coverage is through Guardian.
You may use the dentist of your choice, however those that are In Network will be more cost effective. Employees who receive care from Out of Network providers may be responsible for higher costs and balanced billing.
Preventive: Exams, cleanings, fluoride treatments, sealants, X-rays 80%
Basic Care: Fillings, root canal, scaling and root planing (per quadrant), simple extractions, surgical extractions 80%
Major Care: Anesthesia, bridges, dentures, dental implants, inlays, onlays, veneers, repair of bridges, crowns and dentures 80%
Orthodontia: Child(ren) 50%
Guardian Maximum Rollover Oral Health Rewards
Your vision coverage is through Guardian. Your vision network is Davis Vision.
You may use the eye doctor of your choice, however those that are In Network will be more cost effective. Employees who receive care from Out of Network providers may be responsible for higher costs and balanced billing.
How often can I obtain services?
Exams: once every 24 months
Frames: once every 24 months
Lenses: once every 24 months
**Please see attached Vision Benefit Summary for more plan details and exclusions.
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.
Your Basic Life Benefit
Your Voluntary Life Benefit
It is important to designate your beneficiaries to ensure that your assets will be distributed according to your direction.
A beneficiary is the person you designate to receive your life insurance benefits in the event of your death. Your contingent beneficiary will receive the benefits of your life insurance if the primary beneficiary cannot. You can change your beneficiaries at any time.
A wellbeing resource offered to all City of Maple Heights employees! Move through levels and earn points for the healthy choices you make each day.
Join in 3 easy steps:
The City provides all employees and their covered dependents with a free employee assistance program through Ease@Work. Licensed counselors support you and your family through difficult times providing confidential assistance 24/7.
Get help with
Ease@Work counseling via phone, web portal, mobile app, chat, and video.
Your employee code: maplehts
No crowded waiting rooms. No driving. See a doctor when you need a doctor. Talk to a doctor 24/7.
When can I use First Stop Health?
What is a non-emergency condition?
How does it work?
Call (888) 691-7867 or log in to fshealth.com or download the mobile app to request your doctor visit.
Set up your account now so its ready when you need it!
Complete patient registration for medical history, pharmacy preference, primary care physician contact information and insurance information.
Each time you visit you will be asked brief medical questions. If appropriate you will be connected to a doctor using secure live audio and video.
You and your doctor will discuss your medical issue and if appropriate your doctor may write a prescription.
Medical Plan - Medical Mutual
Medical Plan Customer Service: 877-730-2221
Dental, Vision, Life - Guardian
Customer Service: 1-888-482-7342
Telemedicine - First Stop Health
Customer Service: 888-691-7867
Employee Assistance - Ease@Work
Customer Service: 800-521-3272