Helping you and your family reach and maintain good health is very important to the Gatesman Agency. We are pleased to offer a selection of benefits designed with your health and financial wellbeing in mind. We review the benefit programs each year to ensure they consider the best combination of benefit coverage, network access and affordability for employees.
Eligibility
Employees working at least 30 hours per week are eligible to participate in benefits offered. When you enroll in the benefits program, you may also cover your eligible dependents. Dependents include your legal spouse, child(ren) up to age 26 (regardless of student status, marital status, residence, or financial dependence on you), and an unmarried child incapable of self-support.
OVERVIEW
Gateman Agency remains committed to providing competitive, comprehensive world-class full coverage benefit programs. Please review this site and the Employee Benefits Booklet below to explore the amazing benefits offered to all full-time employees.
ENROLLMENT
If you are newly hired, you are eligible for benefits. The Gatesman Agency makes it very easy to complete your enrollment via the Isolved portal in order to be set up with the insurance coverages. Once completed, you will be enrolled, based on your elections.
You can choose from the comprehensive policies offered with world-class insurers:
- United Healthcare: Medical Coverage
- UPMC Health Plan: Vision Coverage
- Guardian Life Insurance Company: Dental, Short term Disability Insurance, Long Term Disability Insurance, Life Insurance
- Isolved: Flexible Spending Account- FSA
You can modify your elections under certain circumstances, called "Qualifying Events" 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.
Contact Human Resources if you have questions about qualifying events.
Please see the employee contribution summary below for monthly rates.
MEDICAL/RX
UnitedHealthcare administers your medical and vision benefits.
To find out if your provider is in-network, please visit the UnitedHealthcare website below.
You have the choice between 2 different Medical options:
- Base Plan HSA $3500: This plan gives you the ability to fund an account with pre-tax monies to fund any qualified medical expenses. Or, if left unused, those monies can accrue to use at retirement.
- Buy-Up Plan EPO $2000: This plan requires you select a Primary Care Physician (PCP) and you must obtain referrals from your PCP for most services. It is a fully insured plan where you pay copays for certain services, and a separate deductible for certain services, both accruing to a total out-of-pocket limit.
Please refer to the Benefit Summaries for details.
DENTAL
Gateman's dental plan provides comprehensive coverage to help you and your family maintain good dental health. Providers are part of the Guardian National network, or you may see an out-of-network dentist of your choice. Be aware if you go out-of-network, your out of pocket costs will be higher.
To find out if your provider is in-network, please visit the Guardian Website.
VISION
DID YOU KNOW?
- Eye exams can help detect serious eye and general health conditions sooner: high blood pressure, diabetes, heart disease, high cholesterol
- Babies should receive their first professional eye exam at 6 months
- 80% of learning in the first 12 years comes through the eyes
Gatesman offers vision coverage through UPMC HP to help pay for eye exams. You receive a higher level of benefits when you see a provider in the UPMC HP Vision Network. Review your coverage details in your Benefit Guide.
To find out if your provider is in-network, please visit the UPMC HP website below.
LIFE & DISABILITY
Gatesman provides you with employer paid Life/AD&D Insurance coverage, as well as Short-Term Disability through Guardian Life Insurance Company. You can also purchase additional Life Insurance for you and your dependents, as well as Long Term Disability.
Basic Life/AD&D
Employees working 30 or more hours per week are eligible for Life Insurance coverage payable to your designated beneficiary in the event of your death. An additional accidental death & dismemberment benefit (AD&D) is payable to you in the event of a covered dismemberment or to your beneficiary if your death is the result of an accident.
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.
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.
Long Term Disability
Serious illnesses or accidents can interrupt your life, and your ability to work for months – even years. Long Term Disability provides financial protection for you by paying a portion of your income, so you have financial support to manage your disability and your household.
Please consult your Employee Benefits Guide and review the benefit summaries for additional details.
WELLNESS PROGRAMS
Get started with Level Funded Wellness, programs included in your health plan and designed to help you with a healthier lifestyle - all at no extra cost to you.
FLEXIBLE SPENDING ACCOUNT
You can elect to set up a Flexible Spending Account, which is pre-tax employee funding for certain qualified benefits.
- FSA's save on the cost of eligible healthcare and/or dependent care and commuter expenses
- FSA's reduce income tax (Federal, State, and FICA), so the pre-tax payroll contributions result in a lower taxable salary (using pre-tax dollars spells out a savings of nearly thirty percent)
You will receive be issued an FSA debit card for ease of use.
Modified “Use it or Lost it” rule applies
Any funds left unused at the rest of the Plan Year are forfeited, with the exception of $500 which you may elect to rollover into future years.
Only “Qualifying Events” allow off-cycle changes.
CONSIDERING MEDICARE COVERAGE?
NFP is proud to support you when it comes to Medicare and understanding your coverage options.
Our team has served as a trusted advisor in the individual markets for over 20 years and is comprised of experienced and knowledgeable licensed agents who specialize in Medicare coverage. We offer independent and individualized consultations to help you to:
• Understand your coverage options
• Determine if you are eligible for subsidies to lower your healthcare costs
• Establish a timeline for applying for coverage
• Choose a plan that fits both your lifestyle and your budget
• Find coverage that allows you to access the doctors and hospitals you want most
• Enroll in the plan that works best for you
And the best part is, there is never a fee for our services.
CONTACT US
As you consider your benefit options, please be sure to review all available information noted here. If you don't understand these benefits or need any assistance, please contact:
Michelle Ruff
412.600.2341
Client Contacts
Beth Varner
bvarner@gatesmanagency.com
(412) 339-5154
Jason Haag
jhaag@gatesmanagency.com
412-913-7125
Account Team Contacts
Michelle Ruff
Producer / Sales Consultant
michelle.ruff@nfp.com
412-600-2341