Yield Solutions Group 2025 Employee Benefits
Benefits Effective January 1, 2025
Welcome
Helping you and your family reach and maintain good health is very important to Yield Solutions Group. 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. Yield Solutions Group remains committed to providing a competitive, cost-effective benefit program. Each year we take great care and detail in the benefit programs offered to our associates. Highlights of the 2025 benefit plans include:
New!
Life/AD&D, Voluntary Life and Short-Term Disability will be moving to UNUM.
Review the remainder of this page and the resources to learn more about your benefit plan offerings for 2025.
OPEN ENROLLMENT REMINDER!
Open Enrollment is from November 14, 2024, through November 22, 2024. This is the time of year where you can elect new plans with Yield Solutions Group. You may switch between plans and make changes without being required to have a qualifying life event. Please also keep in mind the following when making your elections for 2025:
- If you are currently covered by the Voluntary Life/AD&D, you may increase your benefit by $10,000 with no evidence of insurability!
- Evidence of Insurability is not required if you are electing the Critical Illness Insurance for the first time during open enrollment, however preexisting condition limitations apply.
- THIS IS A PASSIVE ENROLLMENT! If you are not making changes, your current elections will carry forward. Employees WILL need to update 2025 elections for HSA/FSA
Medical & Rx
Cigna will continue to be your medical and prescription carrier. You have the choice between three plans for the 2025 plan year. The three plan options include two PPO Copay plans and a QHDHP plan. View the Providers & Networks for more information on how these plans networks differ from each other as well as buttons to locate participating providers.
If you are already enrolled in one of the Cigna medical plans today and have not already done so, please be sure to register through the Cigna member portal where you can access important information pertaining to your medical plans including participating providers, cost estimates for services, explanation of benefits/claims, and your accumulation amounts for deductibles and out-of-pocket costs. If you are not currently covered, you will be able to register in the Cigna portal as of your effective date of coverage. Visit the website using the button below to register.
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HDHP+HSA
HDHP+HSA
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Where to go and when
Where to go and when
Below is a high-level overview of your plan options and in-network benefit information:
You can view more details of these plans by accessing the benefit summaries provided below.
Cigna Resources
You can go online to see the most up-to-date list of medications your plan covers. Go to myCigna App or myCigna.com, click on the Find Care & Costs tab, select Price a Medication, and type in your medication name.
Use Cigna.com/PDL to access your Cigna Advantage 4-tier prescription drug list (all specialty medications covered on tier 4). You can also determine whether there may be lower cost alternatives for your prescriptions.
Helpful Rx Cost Saving Tools & Tips!
Mail Order - Many drugs are available in a 90-day supply, rather than the 30-day retail supply. Typically, mail order drugs are subject to two-times the standard 30-day copays noted above, resulting in lower expenses for you. You can get more information on how to start receiving mail order drugs by clicking the mail order link below.
Ask your Doctor or Pharmacist – Make sure to ask if there are cost savings alternatives to the prescription they are providing. Many times, there are generic or different manufacturers that will save you money at the pharmacy.
Dental
Yield Solution Group's dental plans provide comprehensive coverage to help you and your family maintain good dental health. The dental plans include both in and out of network benefits. Although your cost sharing is the same in and out of network, if you do go out of network it is likely that you will experience balance billing.
If you are already enrolled in one of the Cigna plans today and have not already done so, please be sure to register through the Cigna member portal where you can access important information pertaining to your dental plan with Cigna including participating providers, coverage information, and explanation of benefits/claims. If you are not currently covered, you will be able to register in the Cigna portal as of your effective date of coverage.
You have the choice of two dental plans - The Core Plan includes a deductible (for basic and major services only), no ortho coverage, higher cost sharing for your basic and major services, and a lower annual maximum - OR - The Buy-Up Plan. The Buy-Up plan has richer OON benefits, orthodontia coverage is included for dependents (through age 19), and has a higher annual maximum
Cigna offers a large dental network: Cigna Total DPPO (Buy-Up) and Cigna Advantage DPPO (Base). Plus, you will not be balance billed if you see a PPO or Premier dentist - giving them added savings. If you do choose to visit a nonparticipating dentist you may be balance billed and may have to pay more.
Locate a participating provider by using the button below.
Vision
Yield Solutions Group offers vision coverage through Ameritas to help pay for eye exams, prescription glasses and contact lenses. Ameritas also provides discounts for Hearing Care and Lasik.
If you enroll in vision, be sure to register through the Ameritas member portal where you can access important information pertaining to your vision plan with Ameritas including participating providers, coverage information, and explanation of benefits/claims. If you are not currently covered, you will be able to register in the Ameritas portal as of your effective date of coverage.
Ameritas allows you to choose between the EyeMed or VSP network. See the below FAQ sheet to select the network that works best for you. You may use the eye care professional of your choice. However, when you visit a participating in-network provider, you receive higher levels of coverage. If you choose to receive services out-of-network, you may be required to pay that provider at time of service and will need to submit a claim to Ameritas for the applicable reimbursement based on the out-of-network reimbursement schedule.
Locate a participating provider using the button.
Financial Protection
Yield Solutions Group understands the importance to you and your family to have strong financial protection. We provide all employees Basic Life/AD&D, Short-Term Disability coverage at no cost to you through UNUM. In addition to these benefits, we offer a variety of insurance you can choose from on a voluntary, employee paid basis so you can select what is best for your family. All of these coverages are provided to protect your income and out of pocket expenses.
A sudden accident or death can leave you or your loved ones in a vulnerable position. Yield Solutions Group provides all eligible employees Basic Life and Accidental Death & Dismemberment (AD&D) coverage at no cost to you. Employees have the opportunity to enroll in additional Voluntary Life and Accidental Death & Dismemberment insurance which will supplement lost income in the event of an accident or death. If you choose to enroll in employee coverage, this will be in addition to your employer provided Basic Life coverage.
401k
Accessing your Retirement Account
Managing your retirement plan account online is easy through the Personal Savings Center. You can enroll, view your balance, change your contributions, update your investments and more! Please see the attached flyers in both English and Spanish below for more details.
Additional Educational Resources
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Health Insurance 101
Health Insurance 101
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HSA Health Savings Account
HSA Health Savings Account
Have Questions?
As you consider your benefit options, please be sure to review all available information. If you need further assistance, please reach out to Human Resources.