Pulsar Eco Products, LLC

Table of Content

  1. Header
  2. Page
    1. Introduction
    2. Benefits Overview
    3. How To Enroll
    4. Medical - Anthem - Plan 1 HSA 5000
    5. Medical - Anthem - Plan 2 HSA 3000
    6. Prescription Drugs
    7. Sydney Health App / Virtual Care
    8. Dental - Humana Dental
    9. Vision - Humana Vision
    10. Life, STD & LTD
    11. Retirement Savings
    12. American Life Insurance
    13. Paid Time Off
    14. CLE Entertainment Budget
    15. Voluntary Life
    16. Contacts
  3. Footer

Benefits Overview

Medical - Provided through Anthem

TWO PLAN OPTIONS:

  • Plan 1 - HSA 5000 - Single Deductible - $5,000 / Family Deductible - $10,000
  • Plan 2 - HSA 3000 - Single Deductible - $3,000 / Family Deductible - $6,000


Dental - Provided though Humana Dental

ONE PLAN OPTION:

  • Plan 1 - Single Deductible - $25 / Family Deductible - $75


Vision - Provided though Humana Vision

ONE PLAN OPTION:

  • Plan 1 - Vision Exam - $10

Medical - Anthem - Plan 2 HSA 3000

PLAN 2 - HSA 3000:


IN NETWORK


DEDUCTIBLE:

  • Single Deductible - $3,000
  • Family Deductible - $6,000


COINSURANCE (applies after deductible is met): 100%

COINSURANCE MAX SINGLE: $0

COINSURANCE MAX FAMILY: $0



MEMBER COPAYMENT(S):

  • Preventative Exam - 100% no deductible
  • Primary Care (PCP) - Office Visit - 100% after deductible
  • Specialist - Office Visit - 100% after deductible
  • Urgent Care Facility - 100% after deductible
  • Emergency Room Visit - 100% after deductible


OUT-OF-POCKET (OOP) MAXIMUM:

  • Single Out of Pocket Maximum - $6,000
  • Family Out of Pocket Maximum - $12,000


EMPLOYEE CONTRIBUTION - PER PAY:

  • Employee - $107.86
  • Employee+Spouse - $284.50
  • Employee+Child(ren) - $218.48
  • Family - $399.56
Find a Doctor

Anthem

Find a Doctor

Anthem

Plan 2 - HSA 3000

Summary of Benefits

Plan 2 - HSA 3000

Summary of Benefits

HSA - Using Your Plan Brochure

HSA - Using Your Plan Brochure

Smart Shopper

Smart Shopper

HSA Video

HSA Video

Prescription Drugs

Save Money With Generic (Tier 1) Drugs

Ask your doctor if it’s appropriate to use a generic drug rather than a brand. Generic drugs are less expensive, and according to the FDA, they contain the same active ingredients and are identical in dose, form and administrative method as a brand name.


Retail 30 Day Supply

Rx Deductible - Medical Deductible Applies

TIER 1 (Value/Generic) - $15/$25 (L2)

TIER 2 - $45/$55 (L2)

TIER 3 - $90/$100 (L2)

TIER 4 - $275/$375 (30 Day Only)


Mail Order 90 Day Supply

Rx Deductible - Medical Deductible Applies

TIER 1 (Value/Generic) - $38

TIER 2 - $135

TIER 3 - $270

Rx Tier Net Handout

Rx Tier Net Handout

Sydney Health App / Virtual Care

Sydney Health is all about saving you time and connecting you with the care you need, when you need it. Within minutes, members can visit with a doctor, right from the app. You also can access your health plan and medical information in one place. Sydney Health makes it easier to put your health – and time – first.


FIND CARE | VIRTUAL CARE | MY HEALTH DASHBOARD | COMMUNITY RESOURCES | LIVE CHAT | MY HEALTH RECORDS


Here’s a snapshot of what you can do:


  • Check your symptoms for free and the app will recommend next steps.
  • Chat with a board-certified doctor for no or low cost, depending on your plan. Virtual care doctors can assess hundreds of conditions, handle routine care visits, order prescriptions and refills, order labs, and schedule follow-ups.
  • Connect with a doctor through a video visit.
  • Manage your health, dental, and vision plans.
  • View medical claims, access your ID card, and receive important details about your health plan benefits.
  • Track your healthcare spending and find doctors and facilities in your plan’s network.
  • Connect with other health apps such as Apple Health.
  • Ask questions in real time through an interactive chat


Sydney Health is offered through an arrangement with CareMarket Inc. Some Sydney Health capabilities may not be available with all plans.

Sydney Health Flyer

Download App with QR code

Sydney Health Flyer

Download App with QR code

Dental - Humana Dental

You have the freedom to select the dentist of your choice; however, when you visit a participating PPO or Premier dentist, you will have lower out-of-pocket costs, no balance billing, and claims will be submitted by your dentist on your behalf. Out of network dentists may bill you for the difference between the contracted rate and the dentist’s fee. Reimbursement is based on the usual, reasonable & customary rate (UCR). In addition, insurance claim payments for out of network dentists are paid directly to the member and the member must pay the provider. 


IN NETWORK:


DEDUCTIBLE:

  • Single Deductible - $25
  • Family Deductible - $75

*Deductible applies when receiving Basic or Major services (Does not apply for Preventive & Ortho Services)


CLASS I: - Covered at 100% with no deductible

Diagnostic and Preventive Services - Exams, cleanings, fluoride, space maintainers, sealants, x-rays.


CLASS II: - Covered at 80% after deductible

Basic Services - Fillings, anesthesia, oral surgery, extractions


CLASS III: - Covered at 50% after deductible

Major Services - Fixed bridgework, dentures, crowns, implants, endodontics (not root canals), periodontal services (gums), and orthodontia for children under age 19


EXTENDED ANNUAL MAXIMUM: Additional coverage for preventive, basic, and major services after the calendar-year maximum is met (excludes orthodontia) - Covered at 30%


ORTHODONTIA SERVICES (Braces): Child orthodontia - Covers children through age 18. Plan pays 50% (no deductible) of the covered orthodontia services, up to: $1,000 lifetime orthodontia maximum.

Find a Dentist

Humana

Find a Dentist

Humana

Dental Summary

Dental Summary

Vision - Humana Vision

Under this plan, you may use the eye care professional of your choice. However, when you visit a participating in-network provider, you receive higher levels of coverage. If you choose to receive services from an out-of-network provider, you will be required to pay that provider at the time of service and submit a claim form for reimbursement.


IN NETWORK:


Vision Exam (with dilation as necessary) - $10

Retinal Imaging - Up to $39


COVERED SERVICES – LENSES / FRAMES

Single Lenses - $25

Bifocals - $25

Trifocals - $25

Lenticular - $25

Frames - $100 allowance, 20% off balance over $100


COVERED SERVICES - CONTACT LENSES

Standard Contact Lens Fit and Follow-up - Up to $40

Premium Contact Lens Fit and Follow-up - 10% off retail

Conventional Lens - $100 allowance, 15% off balance over $100

Disposable - $100 allowance

Medically Necessary - $0


BENEFIT FREQUENCY

Exams - Once every 12 Months

Lenses or Contact Lenses - Once every 12 Months

Frames - Once every 24 Months


ADDITIONAL PLAN DISCOUNTS


• Member may receive a 20% discount on items not covered by the plan at network Providers. Members may contact their participating provider to determine what costs or discounts are available. Discount does not apply to EyeMed Provider's professional services, or contact lenses. Plan discounts cannot be combined with any other discounts or promotional offers. Services or materials provided by any other group benefit plan providing vision care may not be covered. Certain brand name Vision Materials may not be eligible for a discount if the manufacturer imposes a no-discount practice. Frame, Lens, & Lens Option discounts apply only when purchasing a complete pair of eyeglasses. If purchased separately, members may receive 20% off the retail price.


• Members may also receive 15% off retail price or 5% off promotional price for LASIK or PRK from the US Laser Network, owned and operated by LCA Vision. Since LASIK or PRK vision correction is an elective procedure, performed by specialty trained providers, this discount may not always be available from a provider in your immediate location.

Find an Eye Doctor

Humana

Find an Eye Doctor

Humana

Vision Summary

Vision Summary

Retirement Savings

Simple IRA

Simple IRA

Contact:


The Westerman Group

David Millet

dmillet@thewestermangroup.com

American Life Insurance

Paid Time Off

CLE Entertainment Budget

Contacts

Client Contacts

EL

Eric Ludwig

eric@pulsarpaper.com

216-798-3395

Account Team Contacts

ContactImage

Diana Drahos

Account Manager

diana.drahos@nfp.com

(216) 264-2707

JR

Joel Richman

Producer / Sales Consultant

joel.richman@nfp.com

(216) 464-6200

KL

Kevin Lurie

Producer / Sales Consultant

kevin.lurie@nfp.com

(216) 410-6751