STARRY

Table of Content

  1. Header
  2. ALL Eligible Employees are required to complete enrollment even if waiving coverage.
    1. WELCOME
    2. OVERVIEW
    3. ENROLLMENT
    4. MEDICAL
    5. WELLNESS
    6. DENTAL
    7. VISION
    8. FSA
    9. LIFE / AD&D
    10. DISABILITY
    11. EAP - Employee Assistance Program
    12. UNDERSTANDING YOUR BENEFITS
    13. REQUIRED NOTICES AND PLAN DOCUMENTS
    14. CONTACT US
  3. Footer

ALL Eligible Employees are required to complete enrollment even if waiving coverage.

WELCOME

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

STARRY is 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 offered by STARRY. When you enroll in the benefits program, you may also cover your eligible benefits. Dependents include your legal spouse, child(ren) up to age 26 (regardless of student status, marital status, residence, or financial dependence on you), and an unmarried child incapable of self-support.


Benefit Presentation

If you were unable to join the TEAMS Benefits Overview, please click below to view a recording of the Open Enrollment Presentation.



OVERVIEW

STARRY offers benefit plan options through Blue Cross Blue Shield of Texas

Two Medical plan options:

Base Plan – MTBCBB024 - $2,500 deductible – Blue Choice PPO Network

Buy-Up Plan – MTBCB014 - $1,500 deductible – Blue Choice PPO Network


Two Dental plan options:

Base Plan – Blue Care Dental DTNLM38 with a $1,500 annual maximum benefit per Member

Buy Up Plan – Blue Care Dental DTNHR31 with a $3,000 annual maximum benefit per Member


Vision Coverage


Employer paid Life Insurance and Voluntary Supplemental Life Insurance


Employer paid Short and Long Term Disability coverage


Flexible Spending Account - FSA administered through Proficient Benefits

ENROLLMENT

STARRY Annual Open Enrollment will begin on Friday 7/29 and close on Sunday, 8/14.

Open enrollment Benefit elections will begin on 09/01/2022.


Choose your Benefits carefully.

The Benefit choices you make during your initial enrollment or annual open enrollment remain in effect for the entire plan 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.



Open Enrollment - All Currently Enrolled Employees:

You will use the same login and password information you used to complete your initial enrollment through the EASE portal.

If you have forgotten your password, you will be able to re-set it.


How to Enroll in Benefits

All team members have access to our Ease online benefits enrollment platform 24/7 where you have the ability to enroll, select, or change your benefits online during the annual open enrollment period, new hire enrollment period, and for qualifying events. Accessible 24/7;


  • View all benefit plan options and your elections;
  • View important carrier forms and links;
  • Report a qualifying life event; and
  • Make changes to beneficiary designations and more.


Select the link below to log in to your Ease portal.

MEDICAL

Blue Cross Blue Shield of Texas

There are two medical plan options through BCBS to choose from.

Both options are PPO plans


PPO | In-Network & Out-of-Network Benefits Available

PPO plans offer you 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.


Review plan Summaries below.


Use the link below to find an in-network provider.

Click on "Find Care" > "Find a Doctor or Hospital" >

Search as a Guest or Login if already registered


Video - How a PPO plan works

Video - How a PPO plan works

WELLNESS

Blue Cross Blue Shield of Texas

BCBS WELLNESS - Discounts and Incentives


Wellness Programs and Incentives brought to you by BCBS of Texas. You can access these benefits by registering on the BCBS website or downloading the BCBS mobile app.



DENTAL

Video - How Dental Insurance works

Video - How Dental Insurance works

Blue Cross Blue Shield of Texas

STARRY dental plan options provide comprehensive coverage to help you and your family maintain good dental health. Both plans include Orthodontic coverage.

See plan Summaries below for more details.


You may select the dentist of your choice; however, when you visit a participating in-network dentist

you could have lower out-of-pocket costs, no balance billing, and claims will be submitted by your dentist on your behalf.


Use the link below to find an in-network provider.

Click on "Find Care" > "Find a Dentist" > "BlueCare Dental"




VISION

Blue Cross Blue Shield of Texas

EyeMed Vision care network

The Vision plan assists with copayments for eye exams, prescription glasses and contact lenses.

You receive a higher level of benefits when you see a provider in the EyeMed Network.


Review coverage details in your Vision Plan Summary 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

To find an in network Provider, please visit the EyeMed Select Network below.

Click on "Find and Eye Doctor" in the upper right corner.


Video - How Vision Insurance works

Video - How Vision Insurance works

FSA

Video - FSA / DCA

Video - FSA / DCA

Proficient Benefits

Flexible Spending Accounts –

The Health Care and Dependent Care Flexible Spending Accounts (FSA) allow you to set aside pre-tax dollars to pay for eligible expenses. By contributing to one or both of the Flexible Spending Accounts you reduce your taxable income, so you pay less in taxes — which saves you money.

Contributions

You must make a new election each year! The election you make during enrollment is your election for the entire plan year. You may change it only if you have a qualifying life event and the change request must be consistent with the event.

You may contribute as follows:


Health Care FSA -

Up to $2,850 annually with up to a $550 roll over amount if funds are not used.

All benefit eligible can participate, unless you or your spouse are contributing to an HSA.

Reimbursements allowed for unreimbursed medical, prescription, dental, and vision expenses.


Dependent Care FSA

Up to $5,000 annually

Limited to $2,500 if you are married and file separate tax returns

How the Plan Works

The person whose expenses you are claiming must be

 • your qualifying child under the age of 13, who shares the same residence with you; or

• your spouse or qualifying child or qualifying relative who is physically or mentally unable to

care for him/herself who shares the same residence with you and has income less than the Federal exemption amount.

You must incur your eligible expenses during the plan year. An expense is considered to be incurred when the service is performed, not when you are billed or pay for the service. You do, however, have until March 31st annually to file your claims. Any funds after March 31 unclaimed will be forfeited.


LIFE / AD&D

Blue Cross Blue Shield of Texas

STARRY provides all eligible employees with Basic Life/AD&D coverage at no cost.


Basic Life/AD&D

Employees working 30 or more hours per week are eligible for Basic Life coverage of 2x your annual earnings payable to your designated beneficiary in the event of your death. An additional accidental death & dismemberment benefit (AD&D) is payable to you in the event of a covered dismemberment or to your beneficiary if your death is the result of an accident.

 

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. You Life Beneficiary information can be updated at anytime through the EASE Portal.


Supplemental Life

In addition to your employer provided Basic Life insurance coverage, you have the opportunity to enroll in voluntary/optional/supplemental Life insurance coverage. Coverage is also available for your eligible dependents, however, It is required that you elect coverage for yourself in order to elect coverage for your dependents. 


*Guaranteed Issue (GI) and Evidence of Insurability (EOI)

When you are first eligible (at hire) for Voluntary Life and AD&D, you may purchase up to the Guaranteed Issue (GI) for yourself and your spouse without providing proof of good health (EOI).

Any amount elected over the GI will require EOI. If you elect optional life coverage and are required to complete an EOI, it is your responsibility to complete the EOI and make sure it gets to the provider or your HR department for processing with the Provider. Elected coverage over the GI amount will not be installed until the EOI is received and the carrier has approved it. In addition, your spouse will need to provide EOI to be eligible for coverage amounts over GI, or if coverage is requested at a later date.


At Open Enrollment:

Employees currently enrolled in Vol Supplemental Life can increase their coverage by one $10k increment up to the Guaranteed Issue amount without EOI.

For example, if an Employee has $30k, they could increase to $40k at annual enrollment without EOI.

EOI is required for any spouse increase.

EOI is not required for children.

Any employee who previously declined Supplement Life coverage and wants to add the coverage at Open Enrollment, EOI is required for any EE or SP elections. 


DISABILITY

Blue Cross Blue Shield of Texas

STARRY provides Disability Income Protection to all eligible Employees at NO COST.


Short-Term Disability

Everyday illnesses or injuries can interfere with your ability to work. Even a few weeks away from work can make it difficult to manage household costs. Short Term 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. Your coverage pays 60% of your income to a maximum of $1,500 per week.


Long Term Disability

Disability benefits are designed to replace a portion of your income if you are unable to work for an extended period of time due to an accident or sickness. Benefits begin after a 90 day elimination period and are equal to 60% of covered monthly earnings up to $7,500 for all eligible employees. The benefit paid to you is taxable.



Video - Disability Insurance

Video - Disability Insurance

EAP - Employee Assistance Program

Disability Resource Services

Disability Resource Services

Disability Resource Services

Disability Resource Services

Disability Resource Services

Your Mental well-being is important to STARRY


Extra Help When It’s Needed Most

When personal problems arise, many people may choose to cope alone, resulting in negative

consequences at home and the workplace.

Disability Resource Services provides convenient resources to help address

emotional, legal and financial issues.


  • Face-to-Face Sessions
  • Unlimited Telephonic Counseling ( 24 hours a day, 7 days a week)
  • Web-Based Services


Download and Review the flyer to the left for more information including On-line registration information and Contact information.





UNDERSTANDING YOUR BENEFITS

How to read an EOB - Explanation of Benefits

How to read an EOB - Explanation of Benefits

Benefit Terms Explained

Benefit Terms Explained

What is Preventative care

What is Preventative care

CONTACT US

As you consider your benefit options, please be sure to review all available information: Employee Benefits Guide, Intranet, and other videos and flyers found on this webpage. If you do not understand your benefits or need any assistance, please contact your STARRY HR Department.


Jamie Reed

Jamie.reed@starry.org

(512) 661-2611