- Introduction
- Click Here to Enroll in Benefits
- Medical Insurance with UnitedHealthcare
- Additional UHC Benefits (HDHP Enrollees Only)
- Additional UHC Benefits (Surest Plan Enrollees Only)
- Dental Insurance with UnitedHealthcare
- Vision Plans with EyeMed
- Employee Assistance Programs (EAP)
- Health Savings Account (HSA) through WEX Health
- Flexible Spending Account (FSA) through WEX Health
- Life and AD&D Plans with New York Life
- Voluntary Benefits with New York Life - New in 2025!
- Short and Long-Term Disability Plans with New York Life
- Value Added Services through New York Life
- Identity Theft & Legal Services
- Retirement Plan through John Hancock
- Contact Us
- Annual Required Notices
Table of Content
- Header
-
Page
- Introduction
- Click Here to Enroll in Benefits
- Medical Insurance with UnitedHealthcare
- Additional UHC Benefits (HDHP Enrollees Only)
- Additional UHC Benefits (Surest Plan Enrollees Only)
- Dental Insurance with UnitedHealthcare
- Vision Plans with EyeMed
- Vision
- Employee Assistance Programs (EAP)
- Health Savings Account (HSA) through WEX Health
- Flexible Spending Account (FSA) through WEX Health
- Life and AD&D Plans with New York Life
- Voluntary Benefits with New York Life - New in 2025!
- Short and Long-Term Disability Plans with New York Life
- Value Added Services through New York Life
- Identity Theft & Legal Services
- Retirement Plan through John Hancock
- Contact Us
- Annual Required Notices
- 2024 Benefit Overviews
- Medical Plans with Medica
- Prescription Drug Benefits with Medica
- Additional Resources with Medica
- Dental Plans with Principal
- Dental
- Misc.
- Footer
Introduction
THANK YOU FOR BEING A VALUED MEMBER OF THE LAKESHIRTS TEAM!
Lakeshirts believes that each and every employee plays an important role in our success and that is why we strive to provide you with a benefits program that rewards you for the hard work and dedication you put forth every day.
The comprehensive benefits program that Lakeshirts offers you and your family is an important component of your total compensation package. A great deal of time and effort has been invested in designing, funding, and maintaining a quality benefits plan for you and your family.
Use this guide to obtain the information you need to make informed benefit choices for yourself and your family. The plans you choose to elect now will continue throughout the rest of the plan year unless you experience a qualifying life event change.
Eligibility
If you are a regular active full-time employee of Lakeshirts, and work 30 hours or more per week, you are eligible for the company benefits. You are eligible to participate on the first day of the month following 60 days of employment.
In addition, the following family members are eligible for certain benefits as well:
- Legally married spouse
- Dependent child(ren) up to age 26
- Dependent Disabled child(ren)
- Domestic Partner
Qualifying Events
You can change your benefit election during the year if you have a qualifying life event. Qualifying life events include, but are not limited to:
- Marriage, divorce or legal separation.
- Birth or adoption of a child.
- Change in child’s dependent status.
- Death of a spouse, child or other qualified dependent.
- Change in employment status or a change in coverage under another employer-sponsored plan.
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.
To enroll in or waive benefits, you will need to complete your elections using the Workday online benefit portal during the enrollment period. Click the link below to visit https://wd12.myworkday.com/lakeshirts/login.htmld to make your selections.
Username Information:
- If you have a company issued email address: Your username is your company issued email address.
- If you do not have a company issues email address: Your username is firstname.lastname (ex: Taylor Swift = Taylor.Swift)
Medical Insurance with UnitedHealthcare
New Medical Carrier in 2025!
Lakeshirts understands the importance of medical coverage and is committed to providing high quality health care benefits to you and your family. We have a new Medical Carrier in 2025 and will now partner with UnitedHealthcare to offer more nationwide in-network providers.
The Surest D6500 Plan offers you a plan with no deductible, with copayments for all medical services and prescription drugs.
The $5,000 HSA Plan has lower premiums and a higher deductible. You can pair this plan with an HSA to help cover your eligible expenses throughout the year.
All plan options available provide 100% coverage for preventive care when received from a network provider.
Additional Services through UHC:
UHC Rewards: Your health plan now comes with a new way to earn up to extra money in your pocket! UHC Rewards is included in your health plan at no additional cost and is available to all members and their spouses on the Lakeshirts UHC plan. With UHC Rewards, a variety of actions, including many things you may already be doing, lead to rewards.
UHC Website and Mobile App: Download the UnitedHealthcare app today or visit MyUHC.com to monitor your health online! You can sign-in to gain access to your medical claims and documents, view your bills, track your UHC rewards, find in-network providers, and much more.
Surest Plan Information Portal: https://view.surest.com/viewer/ff38c190706223383a05c74dfa55d422?source=email.672259f39f397efd4106009c.1
Print your ID Card: Your UnitedHealthcare health plan ID card includes information about you and your coverage. Carry it with you wherever you go and show it when you visit your doctor or pharmacy. Here's how to print your ID Card:
- Sign in to myuhc.com
- Click “View & Print Member ID Cards” on the top right side of the screen.
- Click “Print ID Card”.
- You may also print your dental and vision cards, if applicable.
Please Note: You will not receive new ID cards each year, unless you change medical plans.
Virtual Care Options: Visit with a doctor 24/7 whenever, wherever. With a virtual visit, you can talk by phone or video to a doctor who can diagnose common medical conditions and even prescribe medications if needed (certain prescriptions may not be available, and other restrictions may apply). The average virtual care visit costs less than $50. To get started with a virtual visit, you can log into your myUHC account using the link below, call 1-855-615-8335 or download the UnitedHealthcare app.
Prescription Drug Information: Employees who have elected medical coverage receive prescription drug coverage through OptumRx Pharmacy Program.
Set up home delivery by mail: If your prescription medication benefit includes home delivery, you can avoid monthly trips to the pharmacy and you may save money too. You may be able to order up to a 3-month supply of medication you regularly take and there’s usually no charge for standard shipping within the U.S. You can enroll in just a few steps when you sign into your health plan account using the myUHC website below or call the number on your member ID card.
Pharmacy by mobile app: UnitedHealthcare members may use the UnitedHealthcare app to help manage their medications. You can use the app to:
- Set up and refill home delivery orders
- Track your prescription history
- Find network pharmacies
- Compare medication prices
UHC Rewards Program: Good news - your health plan comes with a new way to earn up to $1,000. UnitedHealthcare Rewards is included in your health plan at no additional cost. With UHC Rewards, a variety of actions lead to rewards, including many things you may already be doing. The activities you go for are up to you and the same goes for ways to spend your earnings.
Here are some ways you can earn:
- Reach daily goals -
- Track 5,000 steps or 15 active minutes each day or double it for an even bigger reward.
- Track 14 nights of sleep.
- Complete one-time reward activities -
- Go paperless.
- Get a biometric screening.
- Take a health survey.
- Connect a tracker.
Employee Assistance Program (EAP) through UHC: When life gets challenging, you’ve got caring, confidential help. If you need guidance navigating mental health, financial or legal concerns, take advantage of the Employee Assistance Program (EAP) for 24/7 support at no extra cost. Call the member phone number on your health plan ID card and ask to speak to an EAP consultant or, contact EAP directly 24/7 at 1-888-887-4114.
Behavioral Health Virtual Visits: Connect with a provider from your mobile device or computer from the comfort of home. Use a behavioral health virtual visit for needs such as depression, anxiety, ADD/ADHD, addiction or mental health disorders and counseling. To take advantage of the Behavioral Health Virtual Visit benefits available to you, please log in to www.myuhc.com.
Tobacco Cessation Program: Quitting tobacco is one of the most beneficial things you can do. The Quit for Life tobacco cessation program uses an evidence-based combination of physical, psychological and behavioral strategies designed to help employees overcome their tobacco addiction. To get started with this program, visit: www.myuhc.com. Then navigate to "Health Resources", then "Quite for Life".
Maternity Support Program: Expecting a new arrival? Gearing up to welcome a baby is a great reason to begin some healthy habits. The Maternity Support Program provides comprehensive maternity support before, during and after pregnancy. You can get support through one-on-one access to a maternity nurse at no additional cost. Enroll by calling the number on your health plan ID card. You may also access the UHC Health Pregnancy app for additional pregnancy support resources.
Diabetes Management: Ongoing one-on-one support from a nurse who may help you manage your diabetes, manage your medications, improve your diet and exercise. Sign into your account or call the number on your member ID card for more information about the Diabetes Disease Management program.
Real Appeal: Get help losing weight and keeping it off. Real Appeal is an online weight loss program that provides personal coaching to help you, and eligible family members lose weight and keep it off. On average, participants lose 10 pounds after attending just 4 online sessions. An online coach leads ongoing group sessions and provides guidance tailored to your unique lifestyle. Real Appeal offers 24/7 online support and a mobile app to help track progress towards reaching your goals. A Success Kit includes scales, recipes, fitness equipment and more delivered to your door.
Print your ID Card: Your UnitedHealthcare health plan ID card includes information about you and your coverage. Carry it with you wherever you go and show it when you visit your doctor or pharmacy. Here's how to print your ID Card:
- Sign in to Log in to Surest
Please Note: You will not receive new ID cards each year, unless you change medical plans.
Virtual Care Options: Visit with a doctor 24/7 whenever, wherever. With a virtual visit, you can talk by phone or video to a doctor who can diagnose common medical conditions and even prescribe medications if needed (certain prescriptions may not be available, and other restrictions may apply). The average virtual care visit costs less than $50. To get started with a virtual visit, you can log into your myUHC account using the link below, call 1-855-615-8335 or download the UnitedHealthcare app.
Prescription Drug Information: Employees who have elected medical coverage receive prescription drug coverage through OptumRx Pharmacy Program.
Set up home delivery by mail: If your prescription medication benefit includes home delivery, you can avoid monthly trips to the pharmacy and you may save money too. You may be able to order up to a 3-month supply of medication you regularly take and there’s usually no charge for standard shipping within the U.S. You can enroll in just a few steps when you sign into your health plan account using the myUHC website below or call the number on your member ID card.
Pharmacy by mobile app: UnitedHealthcare members may use the UnitedHealthcare app to help manage their medications. You can use the app to:
- Set up and refill home delivery orders
- Track your prescription history
- Find network pharmacies
- Compare medication prices
One Pass Select: With One Pass Select, we’re on a mission to make fitness engaging for everyone. One Pass Select can help you reach your fitness goals, while finding new passions along the way. Choose a membership tier that fits your lifestyle and provides everything you need for whole body health in one easy, affordable plan. You and your eligible family members (18+) can get started with One Pass Select on January 01, 2024. Class Membership - $29/month. Standard Membership - $64/month. Premium Membership - $99/month. Elite Membership - $144/month.
Mental Health - Talkspace: Help improve your mental health on your terms, with Talkspace. Connect with licensed mental health providers for counseling, therapy, and medication support.
Behavioral Health Virtual Visits - Dr. On Demand: Video-chat with board-certified providers and behavioral health specialists through Doctor On Demand. Available 24/7 on demand or by appointment for preventive, chronic, urgent, and behavioral health care.
Tobacco Cessation Program - Pivot: Pivot can help people quit smoking. Includes an app, breath sensor, support community, and nicotine replacement therapy.
Real Appeal - Weight Management Support: Real Appeal is a practical online weight management program. It’s available to you and eligible family members at no additional cost as part of your health plan benefits.
Provides access to:
- Supportive coaching sessions.
- Making behavior change possible.
- resources to stay motived.
Get started now at enroll.realappeal.com
Dental Insurance with UnitedHealthcare
New Dental Carrier in 2025!
Lakeshirts offers dental coverage through plans administered by UnitedHealthcare. This is a new carrier for 2025. The plans encourage you to maintain good dental health by paying 100% of the cost for preventive care such as routine check-ups and cleanings. Please refer to your dental benefit summary available for an entire list of covered services, limitations and frequencies.
To Find an In-Network Provider Visit: https://www.uhc.com/find-a-doctor
Vision Plans with EyeMed
Vision insurance can help you maintain your vision as well as detect various health problems. Lakeshirts’ voluntary vision insurance through EyeMed provides specified dollar amounts or discounts for the purchase of eyeglasses and contact lenses when you utilize an in-network provider.
Finding a Provider: With EyeMed you have access to one of the nation’s largest provider networks, consisting of optometrists and ophthalmologists along with national and regional optical chain locations. When you visit an in-network vision care provider, benefits are greater and there are no claim forms to file.
To find an in-network provider:
- Login to www.eyemed.com
- Choose the Insight Network
The Village EAP
The Village EAP is a confidential counseling and referral service available to you and your family members at no cost. The Village EAP offers 24/7 telephone access to licensed professionals who can help with concerns regarding marriage and relationships, depression, anxiety, stress, grief, substance abuse, childcare, elder care, work-related issues, and much more. The Village EAP may refer you to a local counselor who can address your concerns in person. The Village EAP provides free face-to-face consultations for members each year. The program also gives you access to:
- Childcare and elder care resources
- Financial and legal consultations and information
- Identity theft prevention and recovery
Services are confidential. No information will be shared with Lakeshirts.
Contact Village EAP
Call 1.800.627.8220.
Visit online at villageeap.com
Username: VillageEAP
New York Life EAP
Are you feeling overwhelmed by the demands of balancing work and family life? Maybe you have questions about a legal or financial concern. You and your family members now have access to various counseling services including legal, financial, and work-life balance assistance. All counseling calls are answered by a Master’s or PhD-level counselor who will collect some general information and will discuss your needs. The Employee Assistance Program provides a maximum of three sessions, per issue, per year.
Contact New York Life EAP
call 1.800.344.9752
Visit online at guidanceresources.com
Username: NYLGBS
If you are enrolled in the HSA Medical Plan you may be eligible to participate in a Health Savings Account (HSA) through WEX Health. The Health Savings Account (HSA) is an account established by an individual to pay for their medical expenses. HSAs allow you to pay your medical expenses on a tax-favored basis. Contributions are tax-deductible and eligible distributions are tax-free.
To be eligible to open and contribute to an HSA:
- You must be enrolled in a High Deductible Health Plan through Lakeshirts
- Participants cannot be covered by any other health insurance plan (does not apply to certain types of insurance, such as dental, vision, disability or long-term care coverage)
- Participants cannot participate in Healthcare FSA or spouse/domestic partner’s Healthcare FSA or Health Reimbursement Account (HRA)
- You cannot be eligible to be claimed as a dependent on someone else’s tax return.
- Participants cannot be enrolled in Medicare or Medicaid
- You have not received Department of Veterans Affairs Medical benefits in the past 90 days unless the Veteran has a disability rating (There may be additional special circumstances, check with your tax preparer)
No minimum contribution required:
- $4,300 maximum (individual)
- $8,550 maximum (family)
- $1,000 catch-up (anyone over age 55)
Know your personal HSA responsibilities:
- If you no longer meet the HSA eligibility requirements, it is your responsibility to notify Human Resources immediately.
- You are solely responsible for ensuring that you do not contribute amounts above the federally mandated limits. If you do, you may be subject to adverse tax consequences.
Distributions
- HSA distributions are tax-free if they are used to pay for qualified medical, dental and vision expenses not covered by insurance.
- In general, payments for insurance are not qualified medical expenses for HSA purposes. However, there are exceptions for:
- Qualified long-term care services and long term-care insurance.
- Continuation of coverage required by federal law (i.e., COBRA).
- Health insurance for the unemployed.
- Medicare expenses (but not Medigap).
- Retiree health expenses for individuals aged 65 or older.
- Distributions made for any other purpose are subject to income tax and a 20% penalty. The 20% penalty is waived in the case of death or disability. The 20% penalty is also waived for distribution made by individuals aged 65 or older.
WEX Health HSA Administration
- Lakeshirts has contracted with WEX Health to administer the employer-sponsored HSA accounts through Wex Health. Lakeshirts covers the administrative fees associated with your account as long as you remain employed.
- Through WEX Health, you have access to an online portal, and a mobile application to help manage your account.
- After you have enrolled in the HSA through Lakeshirts, log in to your WEX Health online account or mobile app. Once logged in, you’ll be promoted to read and agree to serval different agreements. Once you have read and agreed to each, click “Submit” to complete submission of the terms and conditions. Your HSA funds will NOT be available until these agreements are agreed to and submitted.
- For more information on your Wex Health HSA visit www.wexinc.com or call 1.866.451.3399.
Flexible Spending Accounts (FSAs) are voluntary accounts that allow you to set aside pre-tax money for certain health and dependent care expenses.
Questions? Visit wexinc.com or call 1.866.451.3399
Life and AD&D Plans with New York Life
Beneficiaries: Don’t forget to put your loved ones first—add or update your life insurance beneficiary in Ease. Your beneficiary can be one or several people, and the same or different designation for all your benefits.
Basic Life and AD&D Insurance
Lakeshirts provides eligible employees $30,000 of group life and accidental death and dismemberment (AD&D) insurance. Lakeshirts pays for the full cost of this benefit—meaning you are not responsible for paying any monthly premiums.
Voluntary Life and AD&D Insurance
In addition to the employer paid life insurance, employees may elect supplemental coverage for themselves, their spouse and/or children through Principal. When you enroll yourself and/or eligible dependents in this benefit, you pay the full cost of coverage through post-tax payroll deductions. You must elect Voluntary Life /AD&D coverage for yourself in order to cover your spouse and/or children.
Evidence of Insurability
If you do not elect Voluntary Life/AD&D coverage when you are first eligible and decide to enroll in coverage at a later date, evidence of insurability may apply. Evidence of insurability is a form that you will complete to verify your health status for coverage to begin.
You must provide EOI when you choose not to buy Voluntary Life for yourself or your dependents at this initial open enrollment then decide to add coverage later (such as Open Enrollment next year).
Additional Information
Reduction Schedule: Life insurance amounts are reduced to 65% of your original benefit at age 65, and 50% of your original amount when you reach age 70.
*Spouse's rates are based on spouse's age
Voluntary Benefits with New York Life - New in 2025!
You have the opportunity to purchase additional voluntary benefits through New York Life. You pay the full cost of this benefit through payroll deductions. Below are the benefit options available to employees. You are able to see the cost of these benefits along with additional details on the enrollment portal.
Accident Insurance
Accident insurance works to complement your medical coverage - and pays in addition to what your medical plan may or may not cover. It’s coverage that provides a financial cushion for life’s unexpected events by providing you with a lump-sum payment (one convenient payment all at once) when your family needs it most. The payment you receive is yours to spend however you like. Coverage includes payments for emergency treatment, hospitalizations, as well as treatment for broken bones, lacerations, and burns.
Critical Illness Insurance
Many illness related expenses are out-of-pocket expenses such as co-insurance, deductibles, and indirect expenses that major medical plans are not designed to cover. New York Life's critical illness plan coverage helps offset these costs. This plan also includes benefits for transportation & lodging, surgical procedures, extended care benefits that include family care, skilled nursing and home health care/hospice and more.
Short and Long-Term Disability Plans with New York Life
Lakeshirts provides employees with the opportunity to elect short-term and long-term disability income benefits. Without disability coverage, you and your family may struggle to get by if you miss work due to an injury or illness. In the event you become disabled from a non-work-related injury or illness, disability income benefits will provide a partial replacement of lost income. Please note that you are not eligible to receive disability income benefits if you are receiving workers’ compensation benefits.
GuidanceResources
When you need information quickly to help handle life’s challenges, you can visit guidanceresources.com for resources and tools on topics such as health and wellness, legal regulations, family and relationships, work and education, money and investments, and home and auto. You will also have access to articles, podcasts, videos, slideshows, on-demand trainings and “Ask the Expert” which provides personal responses to your questions. Visit: guidanceresources.com Registration Web ID: NYLGBS
Empathy App
In partnership with New York Life Group Benefit Solutions, you are eligible for a premium, complimentary membership to Empathy, including access to the following services:
- On-demand support from our Care Team
- Guided grief support and meditations
- Probate and estate guidance and resources
- Professional obituary-writing services
- Automated tool for closing accounts
- Account sharing for up to 10 family members
Health Care Support Program
Talk to an experienced insurance specialist to learn about:
- Benefits basics – What is covered by your health benefits? What’s not covered?
- Your bottom line – Receive cost estimates for medical services.
- Insurance claims 101 – Get guidance on Explanation of Benefits (EOB’s) and billing services.
- Education on medical bills – Learn about fee and payment plans and get help negotiating discounts on medical or dental bills that are not covered by your insurance.
- Make the most of your benefits – Find out about in-network providers, pre-approvals, and other ways to maximize your health care benefits.
- You can also speak with a registered nurse who can provide you with:
- Customized care – One-on-one reviews of your health concerns.
- Steps to prep – Find out how to get ready for upcoming doctor visits, lab work, and procedures. What should you bring? What questions should you ask?
- Straight talk – Receive honest answers about a specific diagnosis and treatment options.
- Education on physician specialties – Learn about the appropriate providers for your health issues.
To use this service, call 1-800-336-2150 or visit: www.guidanceresources.com
Secure Travel Protection
New York Life Group Benefit Solutions (NYL GBS) Secure Travel offers pre-trip planning, assistance while traveling and emergency medical transportation benefits for covered persons traveling 100 miles or more from home (see your plan for details). Service is a phone call away, 24/7/365.
To learn more, call:
From the United States and Canada: 1-888-226-4567
From other locations, call collect: 202-331-7635
Financial, Legal and Estate Support
We know financial and legal challenges can be very stressful for you and your family. That’s why New York Life Group Benefit Solutions provides our Financial, Legal & Estate Support program to help you navigate these issues, at no additional cost. Leaving you with fewer worries.
Millions of people lose their identities every year - don’t be one of them. Identify theft has been the top consumer complaint filed with the FTC for 15 years straight. Victims are spending an exorbitant amount of time and money dealing with it. The criminals are getting smarter and they’re not going away. That is why you need a company that’s more than a website. You need an established institution that understand all the potential threats, how to prevent them and how to restore any damage done. Through Lakeshirts, you will have access to discounted rates for identity theft protection. This plan is voluntary, and if enrolled the employee will be responsible for 100% of the premiums.
The LegalShield® Membership Includes:
- Personal Legal advice on unlimited issues
- Letters/ calls made on your behalf.
- Contracts & documents reviewed (up to 15 pages)
- Residential Loan Document Assistance
- Lawyers prepare your Will, your Living Will and your Health Care Power of Attorney
- Moving Traffic Violations (available 15 days after enrollment)
- IRS Audit Assistance
- Trial Defense (if named defendant/ respondent in a covered civil action suit)
- Uncontested Divorce, Separation, Adoption and/or Name Change Representation (available 90 days after enrollment)
- 25% Preferred Member Discount (Bankruptcy, Criminal Charges, DUI, Other Matters, etc.)
- 24/7 Emergency Access for covered situations
The IDShield Membership Includes:
- Privacy Monitoring
- Monitoring your name, SSN, date of birth, email address (up to 10), phone numbers (up to 10), driver license & passport numbers, and medical ID numbers (up to 10) provides you with comprehensive identity protection service that leaves nothing to chance.
- Security Monitoring
- SSN, credit cards (up to 10), and bank account (up to 10) monitoring, sex offender search, financial activity alerts and quarterly credit score tracking keep you secure from every angle. With the family plan, Minor Identity Protection is included and provides monitoring for up to 8 children under the age of 18.
- Consultation
- Your identity protection plan includes 24/7/365 live support for covered emergencies, unlimited counseling, identity alerts, data breach notifications and lost wallet protection.
- Full-Service Restoration
- Complete identity recovery services by Kroll Licensed Private Investigators and our $5 million service guarantee ensure that if your identity is stolen, it will be restored to its pre-theft status.
- This benefit is not on ADP, please see HR to enroll or make changes.
Retirement Plan through John Hancock
Building a strong financial foundation for your future is an ongoing process. Lakeshirts, Inc. & Affiliates 401(k) Profit Sharing Plan, managed by John Hancock, is designed to help you save for retirement by offering you tax advantages as well as the convenience of payroll deductions.
All full-time and part-time employees over age 18 are eligible to participate in the 401(k) Profit Sharing Plan after one full year of service. A full year of service is defined as at least 1000 hours during a 12-month period.
Contributions
You are able to contribute 0-100% of your total pay on a pre-tax basis. Your total salary deferral may not be more than $23,500. If you are 50 years old or older during the plan year and you have met the annual IRS Deferral limit, you may contribute a catch-up deferral of up to $7,500.
Employer Match
Lakeshirts Inc. will make a discretionary match to all eligible participants. Lakeshirts Inc. intends to make a matching contribution of 50% of employee deferrals up to 4%.
Vesting
Employees are always 100% vested in their own contributions.
Employer contributions are vested based upon the following schedule:
1 Year of Service: 20%
2 Years of Service: 40%
3 Years of Service: 60%
4 Years of Service: 80%
5+ Years of Service: 100%
Distributions
In addition to lump sum distributions after separation from services, In-Service Withdrawals are available after reaching age 59 ½. Withdrawals of certain money types may be available due to Financial Hardship.
The above is intended as a summary of key features of your retirement plan. If any of the above conflicts with the provisions in your retirement plan document, the Plan Document will prevail. Please see your Summary Plan Description (SPD) for more information.
Register for the 401(k)
Register today at myplan.johnhancock.com or download John Hancock’s retirement app
Complete your account registration, then click the "Enroll now" link.
- Select the Express path and enroll in seconds.
- Or choose the Guided path which will help you enroll at your own pace.
You'll need the following information:
- Your Contract number: 67957
- Your Enrollment Access Number: 005655
Contact Us
If you would like a printed copy of any of the documents found on this page, or have any questions about your benefits, please contact the Human Resources Department.
Alma Alaniz
1-800-627-2780
almaa@lakeshirts.com
If you would like a printed copy of any of the documents found on this website, including the required annual notices, please contact Human Resources.
Please download the benefit guides below for an overview of the benefits offered to you through Lakeshirts! If you have any questions on your enrollment, please contact Human Resources.
The 2024 Open Enrollment video below can also be used as a resource in identifying the benefits that are best for you in 2024.
Open Enrollment Video Link: https://nfp.zoom.us/rec/share/6PiZ31_oeZf_6GJDApx8xQpfiGVFe_7VDedw0u8YHrLZXthVuDheiGY3CiqbZiaG.r3WJ_6wfQvO_O7f5?startTime=1699032422000
Lakeshirts understands the importance of medical coverage and is committed to providing high quality health care benefits to you and your family. We will continue to partner with Medica and are offering a traditional Preferred Provider Organizations (PPO) plan and a High Deductible Health Plan (HDHP) with a Health Savings Account (HSA).
The Copay Plan offers you a lower deductible, with copayments for office visits and prescription drugs, but they have higher premiums.
The HSA Plan has lower premiums and a higher deductible. You can pair this plan with an HSA to help cover your eligible expenses throughout the year.
All plan options available provide 100% coverage for preventive care when received from a network provider. By electing coverage, you will receive all of the value-added benefits of being a Medica member, including virtual care, CallLink Nurse Line, Health Rewards Program, Tobacco Cessation Program, and Health Pregnancy Journey.
Network Provider Options
In addition to choosing your medical plan, you also choose your provider network. You have two options, Passport and Essentia network. Review the charts to determine which network is best suited for you and your family.
Passport Network
Medica Choice Passport gives you access to a large, national network. No matter if you’re in your hometown or in another location across the country, you can connect with providers and a system you know and trust. Choose from any doctor, clinic, or facility in the easy-to-use, nationwide Medica Choice Passport networks. Travel with peace of mind. You’ll find in-network providers in every corner of the country.
Essentia Network
Essentia Choice Care with Medica is a smaller network that provides access to 14 hospitals, over 70 clinics and more than 2,300 physicians and advanced practitioners in northern Minnesota, southeastern North Dakota and northwestern Wisconsin. And a patient assistant is available to welcome members and offer extra help, if needed.
A Travel Program Network you can use when outside the service area. The program’s network is one of the largest in the country. And if you’re a parent, even better: It covers your children when they’re away at school. If your student is seeking care outside the Essentia service area but within Medica’s service area of Minnesota, North Dakota, South Dakota, and western Wisconsin, emergency care services will be covered at the in-network benefit level. For other health care services, they will need to access care from an Essentia Choice Care network partner for in-network benefits to apply.
Medica - My Health Rewards
The My Health Rewards online tool and app lets you log healthy habits, track activity through a fitness tracker, and complete other healthy activities to earn rewards. Rewards can be redeemed as e-gift cards and health and fitness products. You can also choose to donate your rewards to a charitable cause.
Prescription drugs are a major driver of health care costs. There are several ways to help you save. To see prescription costs, find a pharmacy, manage you mail order prescriptions and more, download the Express Scripts app from the App Store or on Google Play or go to expressscripts.com.
Retail Pharmacy - Up to a 31-day supply
At a participating retail pharmacy, you may purchase up to a 31-day supply of covered drugs. You will need to present your Medica ID card. Most major pharmacies are in the plan’s pharmacy network. To find a participating pharmacy near you, visit medica.com/signin choose Pharmacy Information in the “links and tools” box on the right hand side.
Mail Order Program- Up to a 93-day supply
Medica offers pharmacy mail order through Express Scripts Pharmacy. If you use a maintenance drug you can use the mail order program to receive up to a 93-day supply at a reduced cost to you and the convenience of home delivery. To use the mail order program, you will need to get a prescription for up to a 93-day supply of your regular medication from your doctor, then you can either call 800.263.2398 to speak with a representative at Express Scripts, or you can fill out the mail order service form, which can be found on medica.com/signin.
Specialty Medications
Specialty medications are high cost, oral or injectable drugs used for the treatment of certain diseases that require complex therapies. Many specialty drugs require special handling and in most cases are prescribed by a specialist. Examples of categories that are generally affected include, but are not limited to:
- Growth Hormone drugs
- Multiple sclerosis drugs
- Rheumatoid arthritis drugs
- Hepatitis C drugs
Medica members using specialty medications must use Medica’s specialty pharmacy vendor when filling these prescriptions to receive their highest level of coverage. Accredo® Specialty Pharmacy is Medica's exclusive specialty pharmacy vendor for non-Medicare Part D lines of business. Members may manage their prescription refills by phone toll free at 866.544.6817 or by using their mobile app. If you choose an alternative pharmacy for this service, your out of pocket cost will be significantly higher.
A copy of the specialty drug list can be found at medica.com/signin or by calling Medica Customer Service at 952.945.8000 or 1.800.952.3455.
Find an In-Network Pharmacy
Locating an in-network retail pharmacy will help to make sure that you are paying the lowest price for your prescriptions. Follow the instructions below to find a pharmacy near you.
- Go to Medica.com/members
- Depending on your plan, select your network
- Select See who’s in your network
- Click on Find a network provider under Physicians and Facilities
- Enter in the requested information, and click on GO
My Health Rewards by Medica
Your healthier future starts now. Earn points and get rewards with My Health Rewards, an online tool that helps you take small steps to reach your health goals.
- Tracking physical activities and daily steps
- Completing Healthy Habits activities
- Completing self-guided courses, called Journeys.
- Daily Learning Cards
- Tracking sleep
- Plus, more ways to earn rewards.
Mymedica.com
If you haven’t checked out your Medica member website, now’s the time! Mymedica.com is your one-stop resource for all kinds of information to help you manage your health plan benefits and improve your health. The resources listed below can all be accessed through this member website, and after registering on mymedica.com, smartphone users can access a mobile version of the site.
Medica CallLink
24-Hour Health Support Trusted answers any time of day or night. Worried that your stomach bug could be serious? Wondering what to do about that cough that won’t go away? The advisors and nurses at Medica CallLink® can help. They’re available 24 hours a day, 365 days a year to answer your questions and help you make smart decisions about your health. Just call 1.800.962.9497.
Self Care by AbleTo - Mental Health
On-demand help for stress and emotional well-being. Access to self-care techniques, coping tools, medications, sleep tracking, and more at no additional cost to you - anytime, anywhere with Self Care by AbleTo. Check in and track your progress with mobile device or computer. This program offers things like daily mood tracking, mental health tools, collections and habit tracking. Get started at AbleTo.com/Begin.
Healthy Pregnancy Journey
Expecting a new arrival? Gearing up to welcome a baby is a great reason to begin some healthy habits. From eating right to staying active, take the Healthy Pregnancy Journeys to learn how to feel your best during your pregnancy. Go to your member website, mymedica.com, and click on the Health & Wellness tab to start your journey.
Tobacco Cessation Program
Quitting tobacco is one of the most beneficial things you can do. Medica supports you with coverage for nicotine replacement therapy, help from health care providers, and one-on-one telephone counseling. Call 1.800.934.4824 to learn how Medica can help you leave tobacco behind.
Amwell
Amwell is a virtual care clinic available to members in all states anytime, day or night. Visits start at $64 depending on the treatment and your plan.
You have a video visit with a board-certified doctor or nurse practitioner using the web or mobile app.
- To get started, create an account with Amwell:
- Smartphone/tablet: Download the free Amwell app from the App Store or on Google Play.
- Computer: Go to amwell.com.
- Phone: Call 844.733.3627.
- Select a doctor or nurse practitioner and follow the prompts to start your visit.
- The provider will review your history, answer questions, diagnose, treat and prescribe medication (if needed).
- If a prescription is needed, it’ll be sent to your pharmacy. The cost of your prescription will be based on your plan’s coverage for prescription drugs.
Virtuwell
Virtuwell is a virtual care clinic available to members in Arizona, California, Colorado, Connecticut, Iowa, Michigan, Minnesota, New York, North Dakota, Pennsylvania, South Dakota, Virginia, Wisconsin anytime, day or night. Visits start at $59 depending on the treatment and your plan.
You have an online visit with a certified nurse practitioner.
- Go to virtuwell.com/cost/Medica and take a quick online interview that checks your medical history and makes sure your problem can be treated online.
- Once it is determined you can be treated online, you’ll create an account including your contact, insurance, pharmacy and payment information.
- A nurse practitioner will review your case and write a personalized treatment plan. You’ll get an email or text when your plan is ready.
- If a prescription is needed, it’ll be sent to your pharmacy. The cost of your prescription will be based on your plan’s coverage for prescription drugs.
Life Time Digital Fitness Program
Unlock a healthier you with the Life Time® Digital fitness program at no extra cost. The Life Time Digital app provides access to hundreds of on-demand and live fitness classes, meditations, plus nutrition and lifestyle articles to support your well-being goals. Download the flyer below for more information on program offerings and enrollment Infromation.
Dental Plans with Principal
Lakeshirts offers dental coverage through plans administered by Principal Financial. The plans encourage you to maintain good dental health by paying 100% of the cost for preventive care such as routine check-ups and cleanings. Please refer to your dental benefit summary available for an entire list of covered services, limitations and frequencies.
To Find an In-Network Provider
- Visit: https://www.principal.com/find-dentist
- Under “Tools” on the lower left-hand side, click “Provider Directory”, then click “Search for a Dental Provider”, select your state, then “Premier Network” and search by zip code and requested radius.