Dwellworks

Table of Content

  1. Header
  2. Your 2024 Dwellworks Employee Benefits
    1. To Our Employees:
    2. How to Enroll
    3. Open Enrollment
    4. Eligibility & Qualifying Events
  3. Medical & Prescription
    1. Medical Summary
    2. Summary of Benefits and Coverage (SBC)
    3. Prescriptions
    4. Virtual Visits
    5. MMO Resources
    6. MMO Programs
  4. Spending Accounts
    1. Health Savings Account (HSA)
  5. Dental
    1. Dental Summary
  6. Vision
    1. Vision Summary
  7. Basic Life and Voluntary Life
  8. Overview of Short Term & Long Term Disability
  9. New York State Disability & Family Leave
  10. International Travel
  11. Employee Contributions
  12. Understanding your Benefits
  13. Contact Us
  14. Footer

To Our Employees:

To Our Employees: 


Once again this year, we conducted a thorough review of the options available to us and we think we’ve come up with the best possible package. But the process doesn’t stop here—we need you to take an active role in understanding and selecting your benefit options. A strong grasp of the plans available to you will best allow both you and this organization to get the most bang for our buck.  




To help you gain that strong understanding, please read this virtual benefits guide carefully and consult HR with any questions. 


Thank you for all that you do for us!


Medical & Prescription

Dwellworks offers 3 medical plans through Medical Mutual.


A PPO option offers the freedom to see any provider when you need care. When you use providers from within the PPO network, you receive benefits at the discounted network cost. Most expenses, such as office visits, emergency room and prescription drugs are covered by a copay. Other expenses are subject to a deductible and coinsurance. The HDHP is similar to the PPO Plan in that you have the option to choose any provider when you need care. However, in exchange for a lower per-paycheck cost, you must satisfy a higher deductible that applies to almost all health care expenses, including those for prescription drugs. ​ All expenses are your responsibility until the deductible is reached, with the exception of preventive care, which is covered at 100% when you visit a physician in the network. Once the deductible is met, you are responsible for coinsurance for medical expenses and a copay for prescription drug expenses.


Utilizing In-Network providers will allow for the highest level of coverage. In-Network providers agree to accept Medical Mutual's contract rate as the final charge and the member is not balanced billed.


What is a PPO?

What is a PPO?

What is an HDHP with HSA?

What is an HDHP with HSA?


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.


Medical Summary

MMO Programs

The following MMO programs are offered to all employees at no cost!

Lark

Diabetes Management

Lark

Diabetes Management

LarkHyper

Hypertension

LarkHyper

Hypertension

Lark

Diabetes Prevention

Lark

Diabetes Prevention

SWORD

SWORD

Diabetes Resource

Diabetes Brochure

Diabetes Resource

Diabetes Brochure

Bloom

Women's Health

Bloom

Women's Health

Husk Wellness

Fitness Discounts & Programs Flyer

Husk Wellness

Fitness Discounts & Programs F ...

Spending Accounts

You have the opportunity to contribute to a health savings account on a pre-tax basis which lowers your taxable income. View the information below for important details and guidelines for the various accounts offered by Dwellworks.

Dental Summary


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.

Dental Summary

Vision Summary


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.


Vision Benefit Summary

Overview of Short Term & Long Term Disability

Short-Term Disability - Employer Paid

Everyday illnesses or injuries can interfere with your ability to work. Even a few weeks away from work can make it difficult to manage household costs. Short Term Disability coverage provides financial protection for you by paying a portion of your income, so you can focus on getting better and worry less about keeping up with your bills. Your coverage pays 60% of your income to a maximum of $750 per week.


Voluntary Long Term Disability

Insurance through Lincoln can pay you a weekly benefit if you have a covered disability that keeps you from working. Long Term Disability insurance can replace part of your income while you recover.


LTD Benefit Features

  • Benefit begins after 90 day elimination period if remain disabled
  • Benefit equal to 60% of pay – the benefit is taxable income
  • The monthly maximum benefit is $6,000; the minimum is $100
  • Pre-existing condition limitations apply for the first 12 months
What is LTD Coverage?

What is LTD Coverage?

What is STD Coverage?

What is STD Coverage?

Short Term Disability Summary

Short Term Disability Summary

Long Term Disability Summary

Long Term Disability Summary

New York State Disability & Family Leave

DBL - PFL flyer image
benefit summary flyer
Lincoln State Disability Summary

Lincoln State Disability Summary

NY State Paid Family Leave Summary

NY State Paid Family Leave Summary

International Travel

Cigna
international travelimage
Welcome Kits and More Information

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Welcome Kits and More Information

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Contact Us

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.



This is a high-level guide to certain benefits your employer offers. The information in this benefits guide is intended as a general outline of the benefits available under the following welfare benefit programs offered by your employer and should not be considered legal, investment, or other benefits advice. Benefits described are subject to change, amendment, or termination without notice to, or the agreement of, any employee/participant. All protected health information is confidential, pursuant to the Health Insurance Portability and Accountability Act of 1996. If you have any questions about your benefits guide, contact Human Resources. If you (and/or your dependents) have Medicare or will become eligible for Medicare in the next 12 months, Federal law gives you more choices about your prescription drug coverage.