RightDirection Technology Solutions

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. Pre-Tax Spending 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
    1. Vision Plan Overview
  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. Have Questions?
  13. Footer

Welcome

Helping you and your family reach and maintain good health is very important to RDTS. 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. RDTS 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:


  • Choice of three medical plans offered through CareFirst, BCBS
  • No change to employee premiums (payroll deductions) for medical coverage!
  • NEW! MetLife dental, life/AD&D, voluntary life/AD&D, short-term and long-term disability, and voluntary critical illness coverage
  • No change to VSP vision benefits


Review this site and resources to learn more about your benefit plan offerings for 2024!

OPEN ENROLLMENT REMINDER!

open enrollment

Open Enrollment begins on December 1, 2023 and will end on December 12, 2023. Open Enrollment is your annual opportunity to make changes to your benefit coverage. During open enrollment you can add, change or waive coverage for yourself and your eligible dependents. After open enrollment ends you can only make changes to your coverage if you experience a qualified life event. Please also keep in mind the following when making your elections for 2024:


  • THIS IS AN ACTIVE ENROLLMENT! You must make an active election for all benefits.
  • To complete open enrollment, visit www.employeenavigator.com. To register your account, you will need your personal identifying information and your company ID: RigDirTecSol



Eligibility & Enrollment

Eligibility

PLAN YEAR

RDTS benefit plan year begins on January 1 and ends on December 31. This benefit guide outlines the benefits.

that apply for the 2024 plan year.


EMPLOYEE ELIGIBILITY

• All active regular, non SCA full-time employees scheduled to work 30 or more hours a week are eligible to enroll in RDTS benefits program

• New hire benefits are effective on the first of the month following your date of hire


DEPENDENT ELIGIBILITY

Your eligible dependents may include:

• Your legal spouse

• Your child(ren) up to age 26 including natural children, legally adopted children, and stepchildren

• Your unmarried child(ren) over age 26 who are not able to support themselves due to a physical or mental disability

Please Note: enrolling someone who is not qualified as a dependent is considered insurance fraud


WHEN CAN I CHANGE MY COVERAGE?

The elections you make during your enrollment period will remain in place for the entire plan year, unless you experience one of the following


Qualifying Life Events:

• Changes to legal marital status – marriage, divorce, death, legal separation or annulment

• Change in number of tax dependents – birth, adoption, placement of a foster child, death

• Changes in employment status for either employee or spouse

• Changes in work schedule of either employee or spouse, including reduction/increase in work hours

• Dependents becoming ineligible

• Change in residence or worksite for you, your spouse, or dependent

• Entitlement to Medicare


If you qualify for a change in your benefits, please notify RDTS within 30 days of the change in status. You will 

need to provide proof of the change.


LIFE EVENTS — WHAT YOU NEED TO KNOW

Changes happen to all of us. You may get married or have a baby...and each of those Life Events may impact your decisions about your employer-provided benefits.


For a list of Life Events along with things to think about and actions to take, scan the QR code to the right. or visit http://mybenefits.nfp.com/Life-Events.


Enrollment

Log in to Employee Navigator

Launch Employee Navigator

Log in to Employee Navigator

Launch Employee Navigator

Action Required: All elections must be submitted by December 12, 2023.

This is an ACTIVE ENROLLMENT! All employees must access Employee Navigator and either elect or waive benefits by December 12, 2023.


ENROLLMENT INSTRUCTIONS:

  1. Register online at www.employeenavigator.com
  2. Select Login (top right hand corner)
  3. Select register as a new user
  4. Enter your First Name, Last Name, Company Identifier (RigDirTecSol), PIN (last four of your social) and birth date
  5. Follow prompts to complete your registration
  6. Log in and select get started to enroll or complete open enrollment
  7. Make sure to save your elections and save/print your confirmation statement.


Important Note: if you are not able to register it is likely due to the spelling of your name (enter your legal name provided to HR instead of a nickname or preferred name)

Medical & Rx

Group #1WQ5 | 888.567.9155 | www.carefirst.com


Your medical coverage is offered through CareFirst, BCBS. You have the choice between three plans for the 2024 plan year. The three plan options include a qualified high deductible health plan (HDHP) with a Health Savings Account component, and two traditional POS 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 CareFirst, BCBS medical plans today and have not already done so, please be sure to register for MyAccount where you can access important information pertaining to your medical coverage 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 for MyAccount on your effective date of coverage. Information on how to register can be found here.


2024 Medical/Rx Updates and Changes:

  • New! Medical plans
  • HealthyBlue Advantage F-S is changing to BlueChoice Advantage HSA 5
  • HealthyBlue Advantage H-S is changing to BlueChoice Advantage 18
  • HealthyBlue Advantage B-S is changing to BlueChoice Advantage 2-S


BlueChoice Advantage HSA 5

  • Plan covers 100% of most services after the plan deductible


BlueChoice Advantage 18

  • In-Network Enhancements
  • Plan coinsurance changed to 100% for most services
  • Lower out-of-pocket maximum ($3,000 for individuals and $6,000 for families)
  • Lab & X-rays are covered 100%
  • $30 copay for Major Diagnostics (Facility charge)
  • $300 copay after deductible for in-patient hospitalization
  • No charge for out-patient facility services (Facility charge)


BlueChoice Advantage 2-S

  • In-Network Enhancements
  • $20 Specialist Copay
  • $20 X-Ray copay (Facility charge)
  • $60 copay for Major Diagnostics (Facility charge)
  • $100 copay for out-patient facility services (Facility charge)
CareFirst Member Account

Your coverage must be active to register

CareFirst Member Account

Your coverage must be active t ...

Medical/Rx Plans Overview

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


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

CareFirst BlueChoice Advantage OS POS HSA 5 Benefit Summarty

CareFirst BlueChoice Advantage OS POS HSA 5 Benefit Summarty

CareFirst BlueChoice Advantage OA POS 18

CareFirst BlueChoice Advantage OA POS 18

CareFirst BlueChoice Advantage OA POS 2-S

CareFirst BlueChoice Advantage OA POS 2-S

Virtual Visits

866.233.6925 | www.closeknithealth.com


Experience high quality, virtual-first primary care that's available 27/7/365. With CloseKnit you receive access to the care and support you deserve at a time that is convenient for you. There are no membership fees, no cost to join, and messaging with your Care Team is always free! Refer to your plan benefit summary for the out-of-pocket cost when you utilize CloseKnit services.


HOW MUCH DOES IT COST?

CloseKnit is available to CareFirst members age 18+

Medical Visits:

  • HSA Plan: No charge after the plan deductible
  • OA POS Plans: No charge
  • Prescriptions: If prescribed during a visit, applicable Rx cost sharing will apply based on which medical plan you are enrolled in.


CloseKnit's dedicated care teams can treat most illnesses virtually-wherever you are in the U.S. With CloseKnit, a virtual first primary care practice, you can get 24/7/365 access to the care and support you deserve-when and where you need it. All CareFirst members 18 years and up can get personalized care from full-time, dedicated and high credentialed providers-all through the easy-to-use CloseKnit app. Services include:

Carrier Resources & Education

CareFirst BlueRewards Incentive Program

CareFirst BlueRewards Incentive Program

Pre-Tax Spending Accounts

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 RDTS.

Health Savings Account (HSA)

The Health Savings Account (HSA) allows you to set aside pre-tax dollars to pay for eligible medical, dental, and vision expenses. The CareFirst BlueChoice Advantage HSA 5 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.



The IRS sets the maximum HSA contribution every calendar year.

For the 2024 calendar year, the maximums are as follows:

$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 wish to contribute to a Health Savings Account, you can open an HSA with Paylocity.

HSA Overview

HSA Overview

Flexible Spending Accounts (FSA)

Flexible Spending Account (FSA)

A Flexible Spending Account (FSA) helps you pay for health care or dependent care using tax-free dollars. Your contribution is deducted from your paycheck on a pre-tax basis and is deposited into the FSA. You can access the funds in your account to pay for eligible expenses.


You can contribute to a Health Care FSA if you enroll in one of the CareFirst OA POS plans that are not HSA eligible. Upon enrolling in a FSA you will receive a benefit card that you can use to pay for qualified medical, dental and vision expenses for yourself and your eligible tax dependents.


FSA Rollover Provision

To help eliminate the "use it or lose it" rule, the Health Care FSA includes a Rollover Provision. The Rollover Provision allows up to $640 of unused Health Care FSA funds to be rolled over to the next plan year after the conclusion of the plans run-out period (90 days). Any unused amount in excess of $640 remaining at the end of the run-out period will be forfeited.

Flexible Spending Account

Flexible Spending Account

How to Optimize your FSA

How to Optimize your FSA

Dependent Care Reimbursement Account (DCRA)

Dependent Care FSA funds can be used to pay for qualified child and adult care services. If you contribute to a Dependent Care FSA you and your spouse must be working or actively looking for work.


Dependent Care Flexible Spending Account

  • You can contribute up to $5,000 annually or limited to $2,500 if you are married and file separate tax returns.
  • 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.
Paylocity FSA

Paylocity FSA

Dependent Care FSA

Dependent Care FSA

Dental

800.638.5433 | https://www.metlife.com/mybenefits



RDTS dental plan provides 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 you may be asked to pay in full up front and file a claim to receive the plan's out-of-network reimbursement. Out-of-network benefits are also subject to balance billing.

MetLife Member Portal

Log In/Register

MetLife Member Portal

Log In/Register

Dental Plans Overview

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



Vision

EyeMed

Group #30101555 | 800.877.7195 | www.vsp.com


RDTS vision plan is a full feature plan that provides access to an annual eye exam and an allowance toward the purchase of materials. You have access to a large national network of providers through the Vision Service Plan (VSP) network.

VSP Member Portal

Log In/Register

VSP Member Portal

Log In/Register

Vision Plan Overview

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


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




VSP Member Portal

VSP Member Portal

Financial Protection

RDTS 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 voluntary, employee paid life/AD&D coverage and critical illness coverage. All of these coverages are provided to protect your income and out of pocket expenses.

Life/AD&D

844.521.6844 | www.metlife.com/mybenefits


A sudden accident or death can leave you or your loved ones in a vulnerable position. RDTS 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.

Disability

844.521.6844 | www.metlife.com/mybenefits


RDTS provides both Short & Long 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.




Voluntary Benefits

RDTS provides a competitive benefits package for all full-time 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 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.


Critical Illness

Hopefully you are never in the position to use it, but if you were to experience a covered illness or event, it could end up costing you a lot of money. With critical illness, you will be paid money for qualifying situations/services to cover out of pocket expenses or you may use the funds for whatever you like.

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Personal Support & Assistance

RDTS 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!

Employee Assistance Plan (EAP)

Employee Assistance Plan (EAP) provide professional support and guidance to you and your household family members. MetLife's EAP provides easy-to-use services to help with the everyday challenges of life - at no additional cost to you.


The MetLife EAP is available 24/7, 365 days a year. Your EAP includes up to 5 phone or video consultations with licensed counselors, per issue, per calendar year. You can call 888.319.7819 to speak to a counselor or schedule an appointment, 24/7/365.


If you're simply looking for information, the program offers easy to use educational tools and resources, online and through a mobile app. There is a chat feature so you can talk with a consultant to guide you to the information you are looking for or help you schedule an appointment with a counselor.


Log on to metlifeeap.lifeworks.com, user name: metlifeeap and password: eap


The EAP can provide support and resources for anything going on in your life, including:


  • Family: Going through a divorce, caring for an elderly family member, returning to work after having a baby
  • Work: Job relocation, building relationships with co-workers and managers, navigating through reorganization
  • Money: Budgeting, financial guidance, retirement planning, buying or selling a home, tax issues
  • Legal Services: Issues relating to civil, personal and family law, financial matters, real estate and estate planning
  • Identity Theft Recovery: ID theft prevention tips and help from a financial counselor if you are victimized
  • Health: Coping with anxiety or depression, getting the proper amount of sleep, how to kick a bad habit like smoking
  • Everyday Life: Moving and adjusting to a new community, grieving over the loss of a loved one, military family matters, training a new pet


Member Portal

User name: Metlifeeap / Password: eap

Member Portal

User name: Metlifeeap / Passwo ...

Travel Assistance

US Toll Free: 800.454.3679 | Worldwide Collect: 312.935.3783 | www.metlife.com/travelassist


All employees and their families have access to use the Travel Assistance services. Travel assistance services are provided by AXA Assistance USA. AXA Assistance USA is a 24-hour, toll-free service 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. AXA Assistance USA also offers pre-trip assistance including passport/visa requirements, foreign currency and weather information. To be eligible to utilize these services you must be traveling 100 or more miles from home or in a foreign country.


Services include, but are not limited to:


  • Pre-Trip Assistance: Inoculation requirements, passport/visa requirements, currency exchange rates
  • Emergency Medical Transportation: evacuation, family visits, return of vehicles or companions.
  • Emergency Personal Services: translation, recovery of lost/stolen luggage or possessions, legal assistance
  • Medical Services: referrals for local physicians, case monitoring. prescription assistance


Travel Assistance Resources

Travel Assistance Resources

Additional Educational Videos

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 Pay Young at pyoung@rightdirectiontech.com.



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.


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