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Employee Benefits Effection July 1, 2022 to June 30, 2023
Helping you and your family reach and maintain good health is very important to Mother's Milk Bank at Austin. We are pleased to offer a selection of benefits designed with your health and financial wellbeing in mind. We review our benefit programs each year to ensure we consider the best combination of benefit coverage, network access and affordability for employees.
Eligibility
Regular employees working at least 30 hours per week are eligible to participate in benefits. When you enroll in the benefits program, you may also cover your eligible dependents.
The Benefit choices you make during your initial enrollment or annual open enrollment remain in effect for the entire year.
You can, however, 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 or 60 days if the event is due to birth or adoption of a child.
EMPLOYEE ELIGIBILITY
You are eligible to participate if you are full-time and work a minimum of 30 hours per week. New employee's are eligible for benefits the first day of the month following the date of hire.
ENROLLMENT THROUGH EASE
Enroll through Ease (see link below) by 06/23/22.
Mother's Milk Bank at Austin offers four medical plan options for full-time employees. All options provide high-qualify, affordable medical care, including preventive care, doctor's visits, hospitalization, and emergency care. However, each plan has unique characteristics and advantages. The plans are offered through Blue Cross Blue Shield of Texas.
PLAN CHOICES
All plans include preventative care (in-network) at no cost to you.
HMO HSA Compatible B660ADT $6,900 deductible*
The HMO HSA option is similar to the traditional HMO Plan option. 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.
Enrolling in this plan allows you to contribute tax free dollars to a health savings account (HSA). Any dollars that you wish to contribute can be used towards any eligible medical, Rx, dental and vision expenses that you may incur while covered under the plan. See HSA section of this guide for additional details.
*If you elect this plan, Mother’s Milk Bank at Austin contributes toward your Health Savings Account (HSA):
EE Only – $600/ year
All Dependent Tiers (EE+SP, EE+CH, EE+FAM) – $1,200/ year
HMO G663ADT $1,500 deductible with co-pays
An HMO gives you access to doctors and hospitals within the HMO network. But unlike PPO plans, care under an HMO plan is covered only if you see a provider within that HMO’s network.
PPO HSA Compatible G656CHC $4,000 deductible
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.
Enrolling in this plan allows you to contribute tax free dollars to a health savings account (HSA). Any dollars that you (and your employer) wish to contribute can be used towards any eligible medical, Rx, dental and vision expenses that you may incur while covered under the plan. See HSA section of this guide for additional details.
PPO G653CHC $1,500 deductible with co-pays
The 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.
NETWORK CHOICES
Refer to your Employee Benefits Guide or the BCBS Plan Summaries for additional coverage information.
See link to find a doctor in your network. Select to "Search as Guest" then choose the appropriate network in the drop down box at the top right. See "Directions to Find a Doctor with BCBS" below for detailed instructions.
Network name:
HMO plans - Blue Advantage HMO [BAV]
PPO plans - Blue Choice PPO [BCA]
With the election of the High Deductible Health Plan (HDHP) you can set up and contribute to an HSA. Through enrollment in the HSA you can contribute and accumulate money in your account to pay eligible medical, dental and vision expenses or to cover the expense of meeting the deductible on an annual basis.
Tax Savings. An HSA provides triple tax savings: (1) tax deductions when you contribute to your account; (2) tax-free investment earnings; and, (3) tax-free withdrawals for qualified medical expenses. Keep in mind that some expenses require a prescription or letter of medical necessity from your provider in order to be considered eligible.
Funding Your Account. The payroll-deducted funds you contribute to the HSA account are not taxed.
Additionally, if you elect the $6,900 HMO HSA, Mother’s Milk Bank at Austin contributes toward your Health Savings Account (HSA):
EE Only – $600/ year
All Dependent Tiers (EE+SP, EE+CH, EE+FAM) – $1,200/ year
2022 Contribution Limit: The maximum contribution into an HSA for 2022 is $3,650 for individual coverage and $7,300 for family coverage. If you are age 55 or older, you can make a catch-up contribution of an additional $1,000 in 2022.
Mothers’ Milk Bank at Austin is providing all employees and their dependents access to additional benefits from NewBenefits. Save money on healthcare and everyday expenses for yourselves and dependents. Avoid unnecessary ER and Urgent Care visits. Improve wellness and live a healthier lifestyle.
***All benefits are accessed directly through My Benefits / My Benefits Work.***
Teladoc $0 Visit Fee
Prior to using this service, members register online or via phone. Each member must provide Medical History online or by phone, similar to paperwork completed at the doctors' office; it takes 10 minutes to complete.
Once complete, members may go online or call to schedule a visit (a physician will call the member back within three hours, in most cases less than an hour). Repeat steps for each participating family member.
Teladoc Behavioral Health ($0 Visit Fee)
Prior to using this service, members register online or via phone. Members request a session by answering 5 questions to help Teladoc direct them to the right clinical professional. Members select a provider from the list of licensed therapists in their state.
Appointments are confirmed via email, text, or mobile app.
Counseling
Professional Counselors provide members with free telephone counseling 24 hours a day, 7 days a week. Once the problem is assessed over the phone, counselors continue to provide phone support until the member is satisfied. Community resources include local bar association for legal assistance and consumer credit services for financial difficulties. Members are referred to a crisis hotline or their local 911 service for extreme situations.
New Benefits Rx
Members call or log on through the mobile app or web portal to find a participating pharmacy, compare prescription prices by location, and access their pharmacy card.
At the pharmacy, members show their card to the pharmacist to receive the discounted price.
Members can also search for and compare prescription prices at https://rxprice.newbenefits.com
WorkLife Services
To use this service, members call the number in their membership materials to reach a counselor with outstanding educational credentials and professional experience. Members also visit the My Life Values online and enter the username and password in their membership booklet.
Financial Wellness
Members can access the service by phone, or online Monday through Friday, 7:00 a.m. to 8:00 p.m. Central Time. The member will be connected with a financial counselor who will provide objective guidance on the member's particular situation
Principal's dental plan provides comprehensive coverage to help you and your family maintain good dental health. Providers are part of the Principal network, or you may see an out-of-network dentist of your choice. Be aware if you go out-of-network, your costs could be higher.
To find out if your provider is in-network, please visit the Principal website below.
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
Mother's Milk Bank at Texas offers vision coverage through Principal using the VSP Network to help pay for eye exams, prescription glasses and contact lenses. You receive a higher level of benefits when you see a provider in the VSP Network. Review your coverage details in your Benefit Guide.
To find out if your provider is in-network, please visit the VSP website below.
Mother's Milk Bank provides full-time, eligible employees with basic term life and accidental death and dismember (AD&D) coverage at no cost to you.
The life benefit is payable to your designated beneficiary in the event of your death is $50k. AD&D benefits are payable to you in the event of a dismemberment or an additional benefit is payable to your beneficiary if your death is the result of an accident.
Who is 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.