Lake Metroparks
Table of Content
- Header
-
Page
- Benefits Overview for 2023
- Enroll & Qualifying Event Changes
- Enrollment with EASE
- HEALTH
- Medical
- Dental
- Vision
- LIFE
- Basic & Voluntary Life
- Disability
- WELLNESS
- EASE@Work
- First Stop Health
- Additional Resources
- Helpful Video Links
- Contact Us
- Footer
Employee Benefits 2023
Benefits Overview for 2023
Medical Mutual: will continue as your Medical carrier with the below changes.
Plan 1:
- $600/$1,200 In Network Deductible
- $1,200/$2,400 Out of Network Deductible
- $1,800/$3,600 In Network OOP Maximum
Plan 2: No changes
MetLife: will continue as your Dental, Vision, Life and Disability carrier.
First Stop Health: will continue as your telemedicine virtual health carrier.
EASE@Work: will continue to provide your employee assistance program.
Enroll & Qualifying Event Changes
Full-Time Employees
You are eligible for benefits if you are full-time working a minimum of 30 hours per week. Your coverage will be effective the 1st of the month following date of hire.
EMPLOYEE ELIGIBILITY: If you do not enroll during the Open Enrollment period, you must wait until the next Open Enrollment period unless you experience a Qualifying Life Event. If you experience a Qualifying Life Event (i.e., birth or adoption of a child, marriage, divorce, loss of other coverage, etc.) you must enroll within 30 days of the Qualifying Event.
DEPENDENT ELIGIBILITY: You may also enroll eligible dependents for benefits coverage. A ‘dependent’ is defined as the legal spouse and/or ‘dependent child(ren)’ of the plan participant or the spouse.
- Your Dependent Children: Children are eligible up to the end of the month of 26th birthday regardless of marital or student status.
What is a Qualifying Life Event?
• Marriage
• 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 Medicaid
If you have a Qualifying Life Event and want to request a mid-year change, you must notify Human Resources and complete your election changes within 30 days following the event. Be prepared to provide documentation to support the Qualifying Life Event.
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What is a Qualifying Life Event?
What is a Qualifying Life Event?
Enrollment with EASE
All employees will have access to our online benefits enrollment platform 24/7 where you can 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.
- Make changes to beneficiary designations and more.
ENROLLMENT DIRECTIONS
- You will receive an Email with a link to Ease. Click the blue “login” button IN the email message to be directed to the enrollment portal.
- Enter your User ID and password
- If you do know your User ID and Password, please contact Lindsay Pschirer
- Follow instructions and enroll in your benefits.
Make sure to sign your forms, save your elections and print your confirmation statement!
HEALTH
Medical
Medical Mutual is your medical benefit carrier.
Lake Metro Parks offers 2 plan options through Medical Mutual.
Plan 1:
- $600/$1,200 In Network Deductible
- $1,200/$2,400 Out of Network Deductible
- $1,800/$3,600 In Network OOP Maximum
Plan 2:
- $1,250/$2,500 In Network Deductible
- $3,300/$6,600 In Network OOP Maximum
When you utilize providers that are in MMO’s network you receive higher benefits. Employees who seek care from a provider that is not in MMO’s network, will be responsible for higher costs.
**Please refer to below Summary of Benefits and Coverage (SBC) for plan details and exclusions**
Manage your health benefits online or on the phone with My Health Plan.
Dental
MetLife is your dental benefit carrier.
You may go to any dentist. However, those who belong to the PDP Plus network will be most cost effective.
What's covered?
Preventive:
Routine exams, cleanings, x-rays, sealants, and fluoride treatments are covered 100% in and out of network
Basic:
Periodontics, endodontics, oral surgery, filings, prosthetic maintenance and full mouth x-rays are covered at 80% in network
Major:
Prosthodontics, crowns, inlays/onlays, dentures, implants and bridges are covered at 50% in network
Orthodontia:
Covered at 50% in network for dependents up to age 26
**Please refer to below Benefit Summary for more plan details and exclusions**
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Dental Insurance
Dental Insurance
Vision
MetLife is your vision benefit carrier.
You may go to any eye care provider. However, those who belong to the VSP Choice Network will be most cost effective.
**Please refer to below Benefit Summary for more plan details and exclusions**
How often can I obtain service?
Exams: Once every 12 months
Lenses: Once every 12 months
Frames: Once every 12 months
Contacts: Once every 12 months
What's Covered?
Exams: $10 copay In Network
Lenses: $0 copay In Network
Frames: $100 allowance In Network
Contacts: $100 allowance In Network
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Vision Insurance
Vision Insurance
LIFE
Basic & Voluntary Life
Life InsuranceMetLife is your Basic and Voluntary Life carrier.
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 and Dismemberment (AD&D) insurance is equal to your Life benefit in the event your death is a result of an accident and may also pay benefits for certain injuries sustained. MetLife is your Basic and Voluntary Life carrier.
It is important to name your beneficiary! A Beneficiary is the person you designate to receive your life insurance benefits in the event of your death. It is important that your beneficiary designation is clear so there is no question as to your intentions.
Your Basic Life Benefit
- 100% company paid benefit, no cost to you.
- Flat $21,000 benefit
Your Voluntary Life Benefit
- Up to $150,000 or 5x annual salary
- Available to active full-time employees (40 hours/week)
- 100% employee paid benefit.
- Spouse and dependent coverage available.
- See Plan Summary for Volume Amount details.
**Please refer to attached Benefit Summary for more plan details and exclusions**
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Life Insurance
Life Insurance
Disability
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. MetLife is your Short-Term Disability carrier.
Your Short-Term Disability Benefit
- All Full-Time employees eligible
- 100% employee paid benefit.
- Lesser of $1,000 or 60% of salary
- Benefit duration is 13 weeks.
**Please refer to attached Benefit Summary for more plan details and exclusions**
WELLNESS
EASE@Work
EASE@Work is a program provided by your organization that is available to you, your household members and dependents. EASE@Work provides 24/7/365 support.
EASE@Work can help you reduce stress, improve mental health, and make life easier by connecting you to the right information and resources. All services are free, confidential, and available to you and your family members. This includes access to short-term counseling and a wide range of services.
- Mental Health Sessions Manage stress, anxiety, and depression, resolve conflict, improve relationships, overcome substance abuse, and address any personal issues.
- Life Coaching Reach personal and professional goals, strengthen relationships, and build balance.
- Financial Consultation Build financial wellness related to budgeting, buying a home, paying off debt, managing taxes, preventing identity theft, and saving for retirement or tuition.
- Legal Consultation Get help with personal legal matters including estate planning, wills, real estate, bankruptcy.
- Work-Life Resources and Referrals Obtain information and referrals when seeking childcare, adoption, special needs support, eldercare, housing, transportation, education, and pet care.
- Personal Assistant Save time with referrals for travel and entertainment, seeking professional services, cleaning services, home food delivery, and managing everyday tasks.
- Medical Advocacy Get help navigating insurance, obtaining doctor referrals, securing medical equipment or transportation, and planning for transitional care and discharge.
- Wellness Build holistic well-being with wellness coaching.
- Member Portal and App These digital tools enable you to access your benefits 24/7/365 with online requests and chat options.
First Stop Health
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About First Stop Health
About First Stop Health
No crowded waiting rooms. No driving. See a doctor when you need a doctor. Talk to a doctor 24/7.
When can I use First Stop Health?
- Your doctor is not available
- You will become ill when traveling
- When you are considering a hospital visit for a non-emergency health condition
How does it work?
- Call (888) 691-7867 or log in to fshealth.com or download the mobile app to request your doctor visit
- Set up your account now so its ready when you need it!
- Complete patient registration for medical history, pharmacy preference, primary care physician contact information and insurance information.
- Each time you visit you will be asked brief medical questions. If appropriate you will be connected to a doctor using secure live audio and video.
- You and your doctor will discuss your medical issue and if appropriate your doctor may write a prescription.
Additional Resources
Medical Plan - Medical Mutual
Customer Service: 1-800-382-5729
Website: www.medmutual.com
Dental Plan - MetLife
Customer Service: 1-800-METLIFE
Website: www.metlife.com
Vision Plan - MetLife
Customer Service: 1-800-METLIFE
Website: www.metlife.com
Basic and Voluntary Life Plan - MetLife
Customer Service: 1-800-METLIFE
Website: www.metlife.com
Short Term Disability Plan - MetLife
Customer Service: 1-800-METLIFE
Website: www.metlife.com
EASE@Work
Customer Service: 800-521-3273
Website: www.easeatwork.com
First Stop Health
Customer Service: 888-691-7867
Website: www.fshealth.com
Helpful Video Links
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How to read an EOB
How to read an EOB
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What is COBRA Coverage?
What is COBRA Coverage?
Contact Us
Client Contacts
Christopher Brassell
cbrassell@lakemetroparks.com
440-639-7275
Lindsay Pschirer
lpschirer@lakemetroparks.com
440-639-7275