CLAW

Table of Content

  1. Header
  2. Page
    1. WELCOME
    2. OVERVIEW
    3. ENROLLMENT
    4. MEDICAL/RX
    5. HEALTH SAVINGS ACCOUNT
    6. VIRTUAL VISITS
    7. DENTAL
    8. VISION
    9. LIFE & DISABILITY
    10. EMPLOYEE ASSISTANCE PROGRAM
    11. CONTACT US
  3. Footer

WELCOME

Helping you and your family reach and maintain good health is very important to CLAW. We are 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.

OVERVIEW

CLAW is committed to providing a competitive, cost-effective benefit program. Below are the benefit offerings effective 1/1/2023-12/31/2023:


  • Medical/Rx Insurance is still offered through HAP
  • The 3 Medical plan options are available:
  • PPO $1000
  • PPO $3000
  • PPO HSA $2500
  • All three medical plan options have decreased in employee contribution
  • If electing the HSA plan, your Health Savings Account will be through Health Equity
  • Dental coverage now offered through Mutual of Omaha
  • Vision coverage still offered through EyeMed
  • Life, Disability and Voluntary disability coverage is now offered through Prudential

ENROLLMENT

What to do:

  1. Review the information on this page and benefit plan summaries.
  2. Initial enrollment and life events can be performed on (ADP) workforcenow.adp.com or the mobile app.


Remember: 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 a “Qualifying Life Event”. These are events such as marriage, divorce, birth or adoption of a child, 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 birth or adoption of a child. See video below or contact Human Resources if you have specific questions about Qualifying Life Events.

                                   

Qualifiying Life Event

Qualifiying Life Event

MEDICAL/RX

HAP

CLAW offers eligible employees three plan options. All three plans are PPOs and one of them has a Health Savings Account (HSA) which includes employer matching funds. This is just an overview, for a more detailed look, please view the attached Benefit Summary.


Please note: With the PPO HSA $2500, you are responsible to pay the entire deductible before you go into coinsurance (also known as cost sharing, where you pay 20% and HAP pays 80% of the expense). You can pay for expenses using a Health Savings Account (HSA) which will save you from paying taxes on any amount in this account. When you elect this account, you will automatically get set up with a HealthEquity account, they will mail you a welcome packet and debit card - this is the card you use to pay expenses.


PPO $1000/$2000

PPO $1000/$2000

PPO $3000/$6000

PPO $3000/$6000

PPO HSA $2500/$5000

PPO HSA $2500/$5000

Embedded vs Aggregate Deductible

Embedded vs Aggregate Deductible

HDHP with an HSA

HDHP with an HSA

HEALTH SAVINGS ACCOUNT

Health Equity

A Health Savings Account (HSA) is a tax-free savings account that is owned by you, is 100% vested from day one, and lets you build a savings for future medical expenses. The funds in this account are meant to be used to pay for the entire deductible and once that's met you can continue to use the money for coinsurance costs. For example, you have a $2,500 deductible - this is the amount you will pay out of pocket for all medical visits, prescription drugs, and all other covered medical procedures. In this case, it would be wise to elect to contribute $2,000 annually to your HSA to pay for medical expenses and CLAW will contribute up to $500 to your account (that's free money!), but you must contribute at least $500 to receive a match of $500, if you contribute only $250, you will only receive $250.


Curious about what other long list of expenses can be covered using an HSA? See link below for Qualified Medical Expenses you may be surprised at what you find on this list!



?HSA Reminders:

  • Money in your HSA account earns tax-free interest.
  • Any unused HSA funds roll over to the next year.
  • You can spend your HSA dollars on eligible health care expenses or save and investment them for the future.
  • You decide when and how to spend or save the money in your HSA. The money is yours forever. It doesn’t expire, and you can take it with you if you change jobs or switch to another high-deductible health plan.
  • You can invest a portion of your HSA balance in mutual funds, stocks and bonds. Generally, this option is available when your balance reaches $2,000.
  • You can use your HSA to save for retirement. At age 65, you can use the funds for any purpose without a penalty. The money you take out to pay for eligible health care expenses continues to be tax free. You also can take money out for other reasons without paying a penalty.
What Is a Health Savings Account (HSA)?

What Is a Health Savings Account (HSA)?

Harness The Power of An HSA

Harness The Power of An HSA

VIRTUAL VISITS

HAP AmWell

CLAW provides those employees who are covered by one of the HAP medical plans access to Telehealth visits with AmWell. Telehealth provides members the opportunity to receive medical and mental health care from the comfort of your own home. With Telehealth, eligible employees and dependents have access to board certified doctors, psychiatrists and licensed therapists 24 hours a day, 7 days a week, 365 days per year.


How Much Does it Cost?

  • PPO Plans (Non-HDHP/HSA): $30 copay
  • HDHP/HSA Plan: 20% after deductible.
  • Prescriptions: If prescribed during a virtual visit, applicable Rx cost sharing will apply based on which medical plan you are enrolled in.


To get access to Telehealth, please use the link below to register on the website or use the QR codes below to download the HAP Telehealth app from the App or Google Play store.