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