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.