EnviroScience

Table of Content

  1. Header
  2. Your 2024 EnviroScience Benefits
    1. To Our Employees:
    2. Eligibility & Qualifying Events
    3. How to Enroll
    4. Medical
    5. Summary of Benefits and Coverage (SBC)
    6. Prescriptions
    7. Virtual Visits
    8. HSA
    9. HRA
    10. Dental
    11. Vision
    12. Basic Life and Voluntary Life
    13. Disability
    14. Employee Contributions
    15. Understanding your Benefits
    16. Carrier Contacts
  3. Employee Assistance Plan (EAP)
    1. EmployeeConnect through Lincoln
  4. Compliance Notices
  5. Total Rewards
    1. 401(k) Retirement & Profit Sharing
  6. Questions?
  7. Footer

Your 2024 EnviroScience Benefits

To Our Employees: 


Once again this year, we conducted a thorough review of 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 kit carefully and consult with HR with any questions. 


Thank you for all that you do for us!


The Benefit choices you make during your initial enrollment or annual open enrollment remain in effect for the entire year.


QUALIFYING EVENTS

You can, however, modify your elections under certain circumstances, called "Qualifying Events".


Ready to Enroll?

Complete your enrollment form and hand it into Human Resources.

What is a Qualifying Life Event?

What is a Qualifying Life Event?

When Does My Coverage Start?


If you are a New Hire, you are eligible to participate if you are full-time and work a minimum of 30 hours per week. Your coverage will be effective 1st of the month following 30 days from your date of hire.


Open enrollment, your coverage is effective 1/1/2024.

What is a Qualifying Event?


  • Marriage - spouse/domestic partner
  • Divorce
  • Birth/Adoption of a child
  • Death of a spouse or other enrolled dependent
  • Change in spouse’s benefits or employment status
  • A dependent becomes eligible for Medicare or Medical

Who are my legal dependents?


  • Your legal spouse or domestic partner
  • Your children (up to age 26) including natural children, stepchildren, legally adopted children, children placed for adoption, children for whom you serve as legal guardian
  • Disabled dependent child(ren) of any age
Ease - How to Enroll

ENROLLMENT

All team members have access to our online benefits enrollment platform 24/7 where you have the ability to enroll, select or change your benefits online during the annual open enrollment period, new hire orientation, and for qualifying events.

  • Accessible 24/7;
  • View all benefit plan options and your elections;
  • View important carrier forms and links;
  • Report a qualifying life event; and
  • Make changes to beneficiary designations and more


Open Enrollment runs from [XX-CXX]


This is an ACTIVE enrollment.

This means that you must log in to EaseCentral to enroll yourself and your dependents for benefits. All employees will complete the enrollment form for your OE elections. You must take action no later than [August 14th] and Enroll via Ease. After this deadline you must wait until the next open enrollment period or experience a qualifying event.


  1. If you are not making changes, your current coverage and network will carry over to the new plan year.
  2. If you are making changes, you must log in to Ease.
  3. If you are enrolling in a benefit you weren't enrolled in last year, you must also complete the necessary information.


REMINDER: if you wish to participate in a Flexible Spending Account and/or Health Savings Account in 2024, you MUST make an active election each year. Prior elections do not carry over.

Medical

Medical Mutual of Ohio

EnviroScience offers a medical plan through Medical Mutual of Ohio.


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 [Carrier] contract rate as the final charge and the member is not balanced billed.


Preventive Services | Covered at 100% NO COST SHARE

All HSA/PPO plans recognize routine preventive services at 100%, no coinsurance, and no deductible as long as the claim is submitted as “routine or preventive” and the services performed fall within the approved list of preventive services. For a complete and updated listing, please go online and search uspstf-a-and-b recommendations or visit https://www.uspreventiveservicestaskforce.org.


During your wellness visit, proactively let your physician know the reason for the appointment is for a wellness visit and that your physician needs to submit and code the visit as routine, preventive in nature. If your visit is submitted with a diagnosis, the wellness visit will not be paid at 100%, but instead, will be subject to deductible and coinsurance.  Below are a few examples of services that can be recognized as preventive:

  • Routine Wellness Exams, including well-baby & child routine exams
  • Cholesterol and lipid level screening
  • Pelvic exam, pap test and screening mammograms
  • Colorectal cancer screening, colonoscopies, sigmoidoscopies (age limit applies)
  • Vaccines & immunizations: Hepatitis A & B, Influenza, Pneumonia, Shingles
  • Contraceptives (specific list applies)
  • Diabetes screenings


Plan Name for "FIND A PROVIDER LINK" SuperMed PPO

Medical Summary

What is an HDHP with HSA?

What is an HDHP with HSA?

Summary of Benefits and Coverage (SBC)


Looking for more details about how items are covered? Please refer to the formal Summary of Benefits and Coverage (SBC) below.

MMO SBC

MMO SBC

Prescriptions

TRADITIONAL DRUGS


TIER 1 (GENERIC) | Lowest copay: Most drugs in this category are generic drugs. Members pay the lowest copay for generics, making these drugs the most cost-effective option for treatment.


TIER 2  | Low copay: This category includes non-preferred and low-cost generic drugs


TIER 3  | Higher copay: This category includes preferred, brand name drugs that don't yet have a generic equivalent. These drugs are more expensive than generics, and a higher copay.


TIER 4  | Highest copay: In this category are nonpreferred brand name drugs for which there is either a generic alternative or a more cost-effective preferred brand including most specialty medications. These drugs have the highest copay. Make sure to check for mail-order discounts that may be available.


WHERE CAN I FIND A DRUG LIST?

Typically, a full listing of covered drugs is found on your provider’s website. A drug list, also called a formulary, is a list of generic and brand-name drugs covered by a health plan. Although a drug may be on the drug list, it might not be covered under every plan. Review the plan materials for details on specific benefits.

You can use drug lists to see if a medication is covered by your health insurance plan. You can also find out if the medication is available as a generic, needs prior authorization, has quantity limits and more.


SaveonSP – Manufacturers provide savings for certain specialty drugs


  • Target specialty drugs across several therapy classes
  • Members who enroll in this program will receive a $0 copay amount of these drugs
  • Specialty drugs are filled exclusively by these pharmacies:
  • Accredo (owned by Express Scripts)
  • Gentry Health Solutions (owned by Discount Drug Mart)•University Hospitals Specialty Program
RX Summary

Managing Prescription Costs

Managing Prescription Costs

Prescription Overview

Prescription Overview

A virtual visit lets you see and talk to a doctor from your mobile device or computer. When you use one of the provider groups in our virtual visit network, you have benefit coverage for certain non-emergency medical conditions. Costs must be paid by you at the time of the virtual visit and will apply toward your deductible and out-of-pocket maximum.


WHEN CAN I USE A VIRTUAL VISIT?  ​

When you have a non-emergency condition and:​

  • your doctor is not available;​
  • you become ill while traveling; ​
  • When you are considering visiting a hospital emergency room for a non-emergency health condition. ​

*Your covered children may also use Virtual Visits when a parent or legal guardian is present for the visit.

​

Examples of Non-Emergency Conditions:​

  • Bladder infection​
  • Seasonal flu​
  • Sinus​
  • Sore throat​
  • Stomach
  • Rash​
  • Bronchitis​
  • Diarrhea​
  • Fever​
  • Pink eye


HOW DOES IT WORK?​

The first time you use a Virtual Visits provider, you will need to set up an account with that Virtual Visits provider group. You will need to complete the patient registration process to gather medical history, pharmacy preference, primary care physician contact information, and insurance information.


Each time you have a virtual visit, you will be asked some brief medical questions, including questions about your current medical concern. If appropriate, you will then be connected using secure live audio and video technology to a doctor licensed to deliver care in the state you are in at the time of your visit. You and the doctor will discuss your medical issue, and, if appropriate, the doctor may write a prescription* for you.


Virtual Visits doctors use e-prescribing to submit prescriptions to the pharmacy of your choice. Costs for the virtual visit and prescription drugs are based on, and payable under, your medical and pharmacy benefit. They are not covered as part of your Virtual Visits benefit.

*Prescription services may not be available in all states.


HOW DO I GET ACCESS?​

Learn more about Virtual Visits and access direct links by downloading the Cleveland Clinic Express Care App on your phone.

HSA

Health Savings Account

A Health Savings Account (HSA) is a tax-free savings account that is owned by you, it is 100% vested from day one, and lets you build up savings for future needs. The funds may be used to pay for qualifying healthcare expenses not covered by insurance or any other plan for yourself, your spouse, or tax dependents. You decide how much you would like to contribute, when and how to spend the money on eligible expenses, and how to invest the balance.


To be eligible for an HSA, you must be enrolled in a High Deductible Health Plan (HDHP).


UNDERSTANDING YOUR HSA

  • Pre-tax contributions are deducted through payroll and deposited into your HSA account
  • You can use your HSA available funds to pay for qualified medical expenses tax-free
  • HSA funds can be used for non-eligible expenses but will be subject to regular income taxes and a 20% excise tax penalty
  • Unused funds remain in your account for future use and roll over each calendar year
  • HSAs remain with you even if you change health plans or companies. If you open an HSA and later become ineligible to make contributions, you can still use your remaining funds
  • You can change your HSA contribution at any time during the plan year for any reason.


MAINTAINING RECORDS

To protect yourself in the event that you are audited by the IRS, keep records of all HSA documentation and itemized receipts for at least as long as your income tax return is considered open (subject to an audit), or as long as you maintain the account, whichever is longer.

HSA funds may be used for non-eligible expenses, but will be subject to regular income taxes and a 20% excise tax penalty.

Health Savings Account (HSA) Overview

Health Savings Account (HSA) Overview

HSA Contribution Limits

HRA

What is an HRA?

What is an HRA?

Health Reimbursement Account

ABG will administer HRA that will offset a portion of the employee deductible as follows:


For Employee-Only Coverage

  • The employee will pay the first $3,000 of the deductible
  • Enviroscience will fund the next $2,000 of the deductible.
  • Medical Mutual will pays at 100% after $5,000


For Employee plus Spouse, Employee plus Child(ren), and Family.

  • The employee will pay the first $6,000 of the deductible
  • Enviroscience will fund the next $4,000 of the deductible.
  • Medical Mutual will pays at 100% after $10,000


American Benefits Group – Claims Connect

Employees may link their Medical Mutual accounts to the WealthCare system. ABG Claims Connect will pull your Explanation of Benefits (EOBs) directly from the MMO portal, so you do not have to download them, then submit for reimbursement.

  • No more searching for claims
  • Claim accuracy is upgraded
  • Improved payment turnaround time



To setup your ABG account, visit www.amben.com/wealthcare and register. You will need the employer ID: ABGENVSCI.

Dental


Dental Benefits through Lincoln provide comprehensive coverage to help you and your family maintain good dental health. Your coverage will be greater when you visit a participating in-network dentist, you will have lower out-of-pocket costs, no balance billing, and claims will be submitted by your dentist on your behalf.


NETWORK: Lincoln PPO


How do I find an In-Network Provider? Use the helpful link below!

  • In-Network providers can also be found by visiting your provider’s website below where you can search by location, provider/facility name, or search by specialty.
  • Dentists NOT in the network can balance bill for amounts in excess of the Max Allowable Charge (MAC) for Basic Plan which reimburses at a lower reimbursement than Usual, Customary & Reasonable Fee (UCR) for Buy-Up Plan. 


Did You Know? 

  • You have the freedom to select the dentist of your choice; however, when you visit a participating in-network dentist, you will have lower out-of-pocket costs, no balance billing, and claims will be submitted by your dentist on your behalf.


Pre-treatment Estimate

  • If your dental care is extensive and you want to plan ahead for the cost, you can ask your dentist to submit a pre-treatment estimate. While it is not a guarantee of payment, a pre-treatment estimate can help you predict your out-of-pocket costs.


PREVENTION FIRST!

Your dental health is an important part of your overall health. Make sure you take advantage of your preventive dental visits.

Preventive care services are covered at 100% if you visit an In-Network provider. They are also not subject to the annual deductible.


Looking for more details about how items are covered? Click on the link below to view the formal plan summary.

Dental Summary

Dental Insurance Overview Video

Dental Insurance Overview Video

Dental High Plan Benefit Summary

Dental High Plan Benefit Summary

Dental Low Plan Benefit Summary

Dental Low Plan Benefit Summary

Vision

Enviroscience offers vision coverage through Lincoln to help pay for eye exams, prescription glasses and contact lenses. You receive a higher level of benefits when you see a provider in network, however, out-of-network coverage is provided but may only be handled as reimbursements in some situations. Please note: Members may choose between prescription glasses (lenses and frame) and contact lenses, not both.


Did You Know?

Eyes can give doctors a clear picture of overall wellness. That’s why vision care—and vision benefits—can help employees stay healthy. A comprehensive eye exam can detect early signs of serious health problems, such as:

  • Diabetes
  • Heart disease
  • High blood pressure
  • High cholesterol
  • Glaucoma and cataracts


To find out if your provider is in-network, please visit the website below.



Vision Benefit Summary

Vision Insurance Overview

Vision Insurance Overview

Vision Benefit Summary

Vision Benefit Summary

Basic Life and Voluntary Life

Life/AD&D

Life/AD&D


Life insurance is an important part of your financial security. Life insurance helps protect your family from financial risk and sudden loss of income in the event of your death. Accidental Death & Dismemberment (AD&D) insurance is equal to your Life benefit in the event of your death being a result of an accident and may also pay benefits for certain injuries sustained.


Basic - Employer Paid 2 times your annual salary up to $150,000 Benefit

A sudden accident or death can leave you or your loved ones in a vulnerable position. Employees have the opportunity to enroll in Term 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.


Voluntary - Employee Paid Life

Coverage is also available for your spouse and/or child dependents, but only after you've elected coverage for yourself. A sudden accident or death can leave you or your loved ones in a vulnerable position. Employees have the opportunity to enroll in Term 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.Review the full benefit summary below for additional details.


Employee: $10,000 increments up to 5x your annual salary, to a maximum of $300,000 ($100,000 GI)

Spouse: $5,000 increments up to $150,000 or 50% of what you elect for yourself ($10,000 GI)

Children: $10,000 Benefit, one premium covers all of your eligible children


Who's Your Beneficiary?

Naming a beneficiary is a crucial part of electing life insurance. Also, don't forget to update your primary or secondary beneficiary if you experience a life event, such as a divorce or birth of a child.


*Guaranteed Issue (GI) and Evidence of Insurability (EOI)

When you are first eligible (at hire) for Voluntary Life and AD&D, you may purchase up to the Guaranteed Issue (GI) for yourself and your spouse without providing proof of good health (EOI). [Annually, you are able to increase elections up $50,000 not to exceed the GI without proof of EOI. ]


Any amount elected over the GI will require EOI. If you elect optional life coverage, and are required to complete an EOI, it is your responsibility to complete the EOI and send to the provider (address will be listed on your form). In addition, your spouse will need to provide EOI to be eligible for coverage amounts over GI, or if coverage is requested at a later date.

Disability

Overview of Short Term & Long Term Disability


Short Term Disability

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 up to a specific maximum in your benefit summary.


STD Benefit Features

  • Benefit begins 1st day Accident/8th day Illness
  • Benefit equal to 60% of pay – benefit is taxable income
  • Pre-existing condition limitations apply for first 12 months


Long Term Disability

Insurance through Unum 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 180 day elimination period if remain disabled
  • Benefit equal to 60% of pay – benefit is taxable income
  • Pre-existing condition limitations apply for first 12 months
What is LTD Coverage?

What is LTD Coverage?

What is STD Coverage?

What is STD Coverage?

STD Benefit Summary

STD Benefit Summary

LTD Benefit Summary

LTD Benefit Summary

Employee Contributions

Pre-Tax Contributions


You share in the cost of your Medical, Dental and Vision Benefits. Your employee contributions for these benefits are taken out of your pay on a pre-tax basis as set forth below. In addition, if you elect to contribute to a flexible spending account or a health savings account, those contributions will be taken out of your pay on a pre-tax basis based on your election.


After-Tax Contributions


If you choose to purchase Supplemental Life insurance and Optional AD&D insurance benefits for yourself or your dependents, your contributions will be taken out of your pay on an after-tax basis. You will be able to see the costs for these benefits in the enrollment system when you log in.

Medical Employee Contributions

What is Preventive Care?

What is Preventive Care?

Benefit Terms Explained

Benefit Terms Explained

How to Read An Explanation of Benefits (EOB)

How to Read An Explanation of Benefits (EOB)

What is Balance Billing?

What is Balance Billing?

What is a Qualifying Event?

What is a Qualifying Event?

Primary Care vs. Urgent Care vs. ER

Primary Care vs. Urgent Care vs. ER

EmployeeConnect through Lincoln


Support and guidance for you online or by phone

Lincoln's EmployeeConnect EAP gives you and your family members access to confidential personal support, across everything from stress management and nutrition to handling legal or financial issues. The services available include consultations with experienced professionals, as well as access to resources and discounts designed to help you in a variety of different ways.

  • You have unlimited access to support and helpful resources on our website, and you can consult with a professional counselor via telephone.
  • Face-to-face counseling sessions — and up to three sessions are free of charge
  • Free initial 30-minute consultation with an attorney, with a 25% discount on attorney services thereafter.
  • Unlimited telephonic support for financial problems or planning needs, and referral for face-to-face for more complex issues are provided for a fee.



Connect to a counselor for free support services: (888) 628-4824 (Available 24/7/365) Visit [[guidanceresources]] (Username: LFG Support; Password: LFGSupport)

Compliance Notices

Legal Notices

Legal Notices

Federal regulations require employers to provide certain notifications and disclosures to all eligible employees. The compliance packet linked is dedicated to those disclosures for your 2024 plan year. If you have any questions or concerns please contact your HR Department.

401(k) Retirement & Profit Sharing

401K

Questions?

As you consider your benefit options, please be sure to review all available information. If you don't understand your benefits or need any assistance, please contact Human Resources.

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