Medstar

Table of Content

  1. Header
  2. Welcome
    1. OPEN ENROLLMENT REMINDER!
  3. Eligibility & Enrollment
    1. Eligibility
    2. Enrollment
  4. Medical & Rx
    1. Medical/Rx Plans Overview
    2. Rx Information
    3. Providers & Networks
    4. Virtual Visits
    5. Carrier Resources & Education
  5. Accounts
    1. Health Savings Account (HSA)
    2. Flexible Spending Accounts (FSA)
    3. Dependent Care Reimbursement Account (DCRA)
  6. Dental
    1. Dental Plans Overview
    2. Providers & Networks
    3. Carrier Resources & Education
  7. Vision
  8. Financial Protection
    1. Life/AD&D
    2. Disability
    3. Voluntary Benefits
  9. Personal Support & Assistance
    1. Employee Assistance Plan (EAP)
    2. Travel Assistance
  10. 401k
  11. Additional Educational Videos
  12. Wellbeing
  13. Have Questions?
  14. Footer

Welcome

Helping you and your family reach and maintain good health is very important to Medstar Ambulance. 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. Medstar Ambulance remains committed to providing a competitive, cost-effective benefit program. Each year we take great care and detail in the benefit programs offered to employees. Highlights of the 2024 benefit plans include:


  • New! plan options through HAP including an HSA
  • Plan modifications to HAP medical plans
  • Health Equity available in enrolling in the HDHP with an HSA available


Review the remainder of this page and the resources to learn more about your benefit plan offerings for 2024!

2024 Benefit Highlighter

One Page Summary

2024 Benefit Highlighter

One Page Summary

2024 Benefit Guide

2024 Benefit Guide

2024 Health Plan Compliance Notices

Required Notices

2024 Health Plan Compliance Notices

Required Notices

Eligibility & Enrollment

All FULL-TIME employees working at least 30 hours per week are eligible to participate in the benefit plans offered by Medstar Ambulance. Newly hired employees will be eligible the 1st of the month following your date of hire of full-time employment. When you enroll in the benefits program, you may also cover your eligible dependents. Dependents include your legal spouse and children.


Children are eligible for benefits as follows:

  • Medical, Dental and Vision: Until the last day of the year in which the child turns 26
  • Short Term Disability (STD): Effective 1st of the month following 1 year of employment
  • Dependent Child Life Insurance & AD&D: Until the day the child turns 26

Should your employment with Medstar Ambulance end, your coverage will end as of the date of termination.

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ENROLLMENT INSTRUCTIONS:

  1. Review your benefit information included on this site.
  2. Log into your Medstar Connections portal.
  3. User ID: First Initial + Last Name + 4-digit Payroll ID (ex. John Smith = JSmith1234)
  4. Follow instructions and enroll in your benefits - you must complete open enrollment if you are making any changes
  5. Make sure to save your elections and save/print your confirmation statement.


The Benefit choices you make during your 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.


Contact Human Resources if you have questions about qualifying events.

Medical & Rx

HAP

HAP | 855-948-4427 | wwww.hap.org


HAP is your medical and prescription carrier. You have the choice between six plans for the 2024 plan year. The six plan options include two PPO plans, one EPO plan, and three HMO plans. View the Providers & Networks for more information on how these plans networks differ from each other as well as buttons to locate participating providers.


If you are already enrolled in one of the Medstar Ambulance's medical plans today and have not already done so, please do not forget to register through the HAP member portal where you can access important information pertaining to your medical plans with HAP including participating providers, cost estimates for services, explanation of benefits/claims, and your accumulation amounts for deductibles and out-of-pocket costs. If you are not currently covered, you will be able to register in the HAP portal as of your effective date of coverage.

HAP Member Portal

Your coverage must be active to register

HAP Member Portal

Your coverage must be active t ...

HAP HMO Info

HAP HMO Info

HAP PPO Info

HAP PPO Info

HAP EPO Info

HAP EPO Info

HAP Member Online Features

HAP Member Online Features

Below is a high-level overview of your plan options and in-network benefit information:

You can view more details of these plans by accessing the benefit summaries provided below.

Medical Side-by-Side
HAP PPO HSA

SBC

HAP PPO HSA

SBC

HAP HMO 4000

SBC

HAP HMO 4000

SBC

HAP HMO 2000

SBC

HAP HMO 2000

SBC

HAP EPO 1000

SBC

HAP EPO 1000

SBC

HAP HMO 500

SBC

HAP HMO 500

SBC

HAP PPO 1000

SBC

HAP PPO 1000

SBC

HAP PPO HSA

Benefit Summary

HAP PPO HSA

Benefit Summary

HAP HMO 4000

Benefit Summary

HAP HMO 4000

Benefit Summary

HAP HMO 2000

Benefit Summary

HAP HMO 2000

Benefit Summary

HAP EPO 1000

Benefit Summary

HAP EPO 1000

Benefit Summary

HAP HMO 500

Benefit Summary

HAP HMO 500

Benefit Summary

HAP PPO 1000

Benefit Summary

HAP PPO 1000

Benefit Summary

Look up your prescriptions by viewing the HAP Drug List. Use the Control F feature to type in the name of your prescriptions and determine which level the drug is and whether a Prior Authorization (PA) or Quantity Limits (QL) apply. You can also determine whether there may be lower cost alternatives for your prescriptions.


Helpful Rx Cost Saving Tools & Tips!

MAIL ORDER - Many drugs are available in a 90-day supply, rather than the 30-day retail supply. Typically, mail order drugs are subject to two-times the standard 30-day copays noted above, resulting in lower expenses for you. You can get more information on how to start receiving mail order drugs by clicking here.

GOOD Rx - There are many tools online that you can use in order to save on prescription costs. One being www.goodrx.com, an online Rx database that allows you to find what pharmacy is the cheapest for your specific prescription. Additionally, you may be able to find a coupon that will greatly reduce your cost. It is important to remember that many of the coupons can only be used outside of your plan (insurance will not be applied and costs with the coupon will not count towards your deductibles and/or out-of-pocket maximums).

ASK YOUR DOCTOR – Make sure to ask if there are cost savings alternatives to the prescription they are providing. Many times, there are generic or different manufacturers that will save you money at the pharmacy.

HAP Pharmacy Drug Flyer

HAP Pharmacy Drug Flyer

The three medical plans function differently when it comes to networks and access. The PPO plan provides out-of-network coverage for a variety of services, whereas the HMO and EPO only provides out-of-network coverage in the event of a true emergency. If you do seek care out-of-network, you will experience higher cost sharing in addition to possible balance billing. View the videos below for the difference between PPO, EPO, and HMO networks and access. Click on the link below to find providers in network for all plans available.




Teladoc Health

HAP provides Telehealth services powered by Amwell, which provides round-the-clock telehealth services. Doctors are available 24/7 for live, online visits. Please refer to flyer below for more information on how to access.

HAP Virtual Visits

HAP Virtual Visits

Deductibles-Embedded vs Aggregate

Deductibles-Embedded vs Aggregate

HDHP+HSA

HDHP+HSA

Students Away at School

Students Away at School

HAP Active & Fit

Flyer

HAP Active & Fit

Flyer

HAP Mental Health

Flyer

HAP Mental Health

Flyer

HAP Discounts

Flyer

HAP Discounts

Flyer

HAP Travel Assistance

Assist America flyer

HAP Travel Assistance

Assist America flyer

Accounts

Health Equity

HSA - (866) 346-5800 | memberservices@healthequity.com | www.healthequity.com

FSA - (800) 300-3838 | www.isolved.com


You have the opportunity to contribute to a variety of savings and/or spending accounts on a pre-tax basis which lowers your taxable income. View the information below for important details and guidelines for the various accounts offered by Medstar Ambulance.

The Health Savings Account (HSA) allows you to set aside pre-tax dollars to pay for eligible medical, dental, and vision expenses. The HMO $2500 Medical Plan is qualified for an HSA. By contributing to an HSA you reduce your taxable income, so you pay less in taxes — which saves you money.


HSA IRS Maximums are as follows and are on a calendar year basis. The maximums indicated below are a combined maximum for participant and any employer provided funds to the HSA. If you elect the HSA plan mid-year, maximums are prorated based on your effective date in the HSA plan.

$4,150 for a single contract | $8,300 for a two person or family

$1,000 "Catch Up" contribution for those age 55+


If you have an HSA with another bank or custodian, you can transfer your funds to the Medstar Ambulance HSA's with Health Equity, please reach out to HR for additional information.


Visit the Health Equity HSA page for more information by clicking HERE!

HSA Overview

HSA Overview

HSA Store

HSA Store

Qualified Medical Expenses

Qualified Medical Expenses

Supercharge your HSA

Supercharge your HSA

The Flexible Spending Account (FSA) allows you to set aside pre-tax dollars to pay for eligible medical and/or dental and vision expenses. The nice part about an FSA is you have access to the full annualized amount on day one!

The election you make cannot be changed throughout the year unless the change aligns with the qualifying event. For example, if you get married, you can increase your contribution, however, you cannot decrease or end your FSA for this type of life event.


Plan Details are as follows:

  • You can contribute up to $3,200 annually.
  • At the end of the 2024 plan year, if you have not used all of your FSA funds, a maximum of $640 will carry over into next year's FSA plan (should you elect an FSA for the 2025 plan year).
  • You have 90 days after the end of the plan year to submit for expenses that occurred on or before 12/31/2024.
  • If you are enrolled in an HSA plan, you are not eligible to enroll in an FSA.
  • You have access to your full annualized election amount on day one.


Visit the iSolved FSA page for more information by clicking HERE!

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The Dependent Care Reimbursement Account (DCRA) allows you to set aside pre-tax dollars to pay for eligible dependent care expenses. Qualifying expenses include daycare, nursery & preschool tuition, summer day camps, and more!

The election you make cannot be changed throughout the year unless the change aligns with the qualifying event. For example, you can increase your contribution if you add another member to your family through birth or adoption, however, you cannot decrease your contribution for this type of life event. 


Plan Details are as follows:

  • You can contribute up to $5,000 annually ($2,500 if you are married and file separate tax returns).
  • The plan includes a Grace Period which allows you to incur and submit expenses using your 2024 funds until March 15, 2025.
  • You have 90 days after the end of the plan year to submit for expenses that occurred on or before 12/31/2023.
  • You only have access to the funds of which you have paid into the account.
  • Any unused funds are forfeited.
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Dental

Delta Dental

Group #11189 | 800.524.0149 | www.deltadentalmi.com


Medstar Ambulance's dental plans provide comprehensive coverage to help you and your family maintain good dental health. The dental plans include both in and out of network benefits. Although your cost sharing is the same in and out of network, if you do go out of network it is likely that you will experience balance billing.


If you are already enrolled in one of the Medstar Ambulance Delta Dental plans today and have not already done so, please be sure to register through the Delta Dental member portal where you can access important information pertaining to your dental plan with Delta Dental including participating providers, coverage information, and explanation of benefits/claims. If you are not currently covered, you will be able to register in the Delta Dental portal as of your effective date of coverage.

Delta Member Portal

Log-In/Register Here!

Delta Member Portal

Log-In/Register Here!

You have the choice of two dental plans - The Core Plan includes a deductible (for basic and major services only), no ortho coverage, higher cost sharing for your basic and major services, and a lower annual maximum - OR - The Buy-Up Plan. The Buy-Up plan has no deductible, richer benefits for basic and major services, orthodontia coverage is included for dependents (through age 19), and a higher annual maximum


Below is a high-level overview of your plan options and benefit information:




What are Preventive Services? Routine oral exams and cleanings, x-rays,, sealants & fluoride treatments

What are Basic Services? Periodontics, endodontics (root canals), oral surgery, fillings, prosthetic maintenance

What are Major Services? Prosthodontics, crowns, dentures, implants & bridges


You can view more details of these plans by accessing the benefit summaries provided below.

Delta Dental Side-by-Side
Delta Dental

Base/Core Benefit Summary

Delta Dental

Base/Core Benefit Summary

Delta Dental

Buy-up Benefit Summary

Delta Dental

Buy-up Benefit Summary

Delta Dental of Michigan offers the nation's largest dental networks: Delta Dental PPO and Delta Dental Premier. Plus, you will not be balance billed if you see a PPO or Premier dentist - giving them added savings. If you do choose to visit a nonparticipating dentist you may be balance billed and may have to pay more.


When traveling out of the United States you also have access to the Passport Dental program giving you access to a worldwide network of dentists. English-speaking operators are available to help you access care. Delta Dental coverage outside of the United States is the same as Delta Dental coverage within the United States.


Locate a participating provider by using the button below, select Delta Dental PPO plus Premier.

Dental Benefits 101

Dental Benefits 101

Pre-treatment Estimate

Pre-treatment Estimate

Delta Kids Club

Delta Kids Club

Vision

EyeMed

Group #51091 | 800-672-7723 | www.e-nva.com


Medstar Ambulance offers vision coverage through NVA to help pay for eye exams, prescription glasses and contact lenses. NVA also provides discounts for Hearing Care and Lasik.


If you are already enrolled in one of the Medstar Ambulance's NVA vision plan today and have not already done so, please be sure to register through the NVA member portal where you can access important information pertaining to your vision plan with NVA including participating providers, coverage information, and explanation of benefits/claims. If you are not currently covered, you will be able to register in the NVA portal as of your effective date of coverage.


Below is a high-level overview of your plan and in-network benefits:

NVA Vision Side-by-Side
NVA Portal

Log In/Register

NVA Portal

Log In/Register

NVA Vision

Vision Summary

NVA Vision

Vision Summary

Financial Protection

Medstar Ambulance understands the importance to you and your family to have strong financial protection. We provide all employees Basic Life/AD&D and Disability coverage at no cost to you. In addition to these benefits, we offer a variety of insurance you can choose from on a voluntary, employee paid basis so you can select what is best for your family. All of these coverages are provided to protect your income and out of pocket expenses.

How to File a Claim

UNUM How to File a Claim

How to File a Claim

UNUM How to File a Claim

Unum

866-679-3054 | www.unum.com


A sudden accident or death can leave you or your loved ones in a vulnerable position. Medstar Ambulance provides all eligible employees Basic Life and Accidental Death & Dismemberment (AD&D) coverage in the amount of 1 time's your annual salary up to $200,000 at no cost to you. Employees have the opportunity to enroll in additional 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.


  • Evidence of Insurability (EOI) is required for increases in excess of 1 increment during open enrollment and for those electing voluntary life for the first time after initially waiving the coverage.
  • 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.
  • *Guarantee Issue only applies to new hires or newly eligible spouses (due to marriage) electing benefits for the first time; or, when increasing benefits during open enrollment. You are eligible to increase your benefits by 1 increment, not to exceed the guaranteed issue amount, during the 2023 open enrollment period with no evidence of insurability.
UNUM Basic Life - Class I

Summary

UNUM Basic Life - Class I

Summary

Unum

866-679-3054 | www.unum.com


Medstar Ambulance provides Short Term Disability benefits at no cost to you!


Everyday illnesses or injuries can interfere with your ability to work, more serious issues can impact your ability to work indefinitely. Even a few weeks away from work can make it difficult to manage household costs. 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.


Short Term Disability

60% if weekly earnings up to $1,000 per week; benefits begin on the 8th day of a qualifying accident or illness and may last up to 12 weeks.




UNUM STD Summary

UNUM STD Summary

Medstar Ambulance provides a competitive benefits package for all employees as part of our total compensation package. We realize you make benefit choices based on what’s important to you and the needs of your changing lifestyle. Therefore, along with our core benefits, we offer these additional benefits which help to provide financial support to you. These benefits are paid for through payroll deduction on a post-tax basis so that the benefits are tax free.


Accident & Hospital coverage is provided through Unum. Hopefully you are never in the position to use it, but if you were to experience an accident, illness, or hospitalization, it could end up costing you a lot of money. With these plans, you will be paid money for qualifying situations/services to cover our of pocket expenses or you may use the funds for whatever you like.


Identity Protection and Legal Services are provided through ID Shield/Legal Shield. These benefits are offered in an effort to protect and assist with the expenses and services needed in the event you are faced with compromises to your identity or legal matters. If you have questions, please contact Tracy Katz at (248) 225-9407 or email at tracystantonkatz@gmail.com.



See plan summaries below for additional details.

Unum Voluntary Life Summary

Unum Voluntary Life Summary

Unum Accident Plan Summary

Unum Accident Plan Summary

Unum Hospital Plan Summary

Unum Hospital Plan Summary

Unum Be Well Wellness

Flyer

Unum Be Well Wellness

Flyer

Accident

Accident

Hospital Insurance

Hospital Insurance

Identity Theft

Identity Theft

Personal Support & Assistance

Medstar Ambulance realizes that your needs go beyond just the standard insurance. This is why we also provide all employees, and their families access to personal service and assistance resources at no cost. Here you will find information on our Employee Assistance Program and Travel Assistance resources, both to give you peace of mind and support when you need it the most!

UNUM EAP

UNUM EAP

Employee Assistance Plan (EAP) - All employees and their families have access to use the EAP services. Representative who can assist you through work-life balance, stress management, grief, counseling, and much more. They will also help you find resources within your community.


  • Includes up to 3 face-to-face visits
  • Unlimited Referrals for child, pet, and elder care,
  • Unlimited referrals for personal services and community resources
  • Legals services and support
  • Plus much more!


Contact Unum toll-free at 800-854-1446 or unum.com/lifebalance for more info and to take advantage of these free services when you need them most.

US Toll Free: 800.872.1414 | Outside the US: 609.986.1234 | Via e-mail: medservices@assistamerica.com


All employees and their families have access to use the Travel Assistance services. Travel assistance services are provided by Assist America that provides a comprehensive range of information, referral, coordination and arrangement services designed to respond to most medical care situations and many other emergencies you may encounter when you travel.


View the materials below for additional information, exclusions, and/or limitations

Travel Assistance

Travel Assistance

Additional Educational Videos

Wellbeing

In today's fast-paced and interconnected world, where stress and mental health issues are on the rise, effective well-being plays a crucial role. Medstar Ambulance, we recognize that a healthy, content workforce is not only more productive but also fosters a positive culture. We strive for a supportive and inclusive environment where we encourage and support improvement of physical, mental, emotional, and social well-being. Whether within a corporate setting, a community, or on a personal level, well-being focuses on fostering awareness, empathy, and support to create a healthier and more balanced workplace and environment for all. Prioritizing employee wellness and wellbeing is not just a policy but a reflection of our commitment to both the individual and collective success of team.


To access the wellbeing newsletter, which includes resources, tips, recipes, and more, please select the button below.


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Have Questions?

As you consider your benefit options, please be sure to review all available information. If you need further assistance, please reach out to Human Resources.



This is a high-level guide of certain benefits your employer offers. The information in this benefits guide is intended as a general outline of the benefits available under the following welfare benefit programs offered by your employer and should not be considered legal, investment or other benefits advice. Benefits described are subject to change, amendment, or termination without notice to, or the agreement of, any employee/participant. All protected health information is confidential, pursuant to the Health Insurance Portability and Accountability Act of 1996. If you have any questions about your benefits guide, contact Human Resources. If you (and/or your dependents) have Medicare or will become eligible for Medicare in the next 12 months, a Federal law gives you more choices about your prescription drug coverage.