Benefits Overview
All full time eligible employees can choose between Sedera (a cost sharing plan) , an ICHRA (using employer contributions to purchase a fully insured individual medical plan from the exchange), or Sidecar Health. You will receive $106 towards your choice of these three options.
See below for additional voluntary benetifs.
Eligibility Information
Employees of Austin Couch Potatoes and their eligible dependents may participate in various employer-sponsored health and benefit programs as outlined in this benefit guide. Company employees are defined as:
Full-Time: Employees whose normal work week averages 30 hours or more, excluding lunch hours. You become eligible and may enter the plan(s) on the first of the month following a 30 day waiting period.
New Benefits / MyBenefits
New this year!
All full time eligible employees will recieve these new benfits through MyBenefits Work! This will cover the employee and their immediate family.
Telemedicine powered by Teledoc
Feel better now! 24/7 access to a doctor is only a call or click away – anytime, anywhere with no per visit fee. With Teladoc, you can talk to a doctor by phone or online video to get a diagnosis, treatment options and prescription, if medically necessary. Save time and money by avoiding crowded create waiting rooms in the doctor’s office, urgent care clinic or ER. Just use your phone, computer, smart phone or tablet to get a quick diagnosis by A US licensed physician.
- On-demand healthcare – wherever, whenever
- Treatment for common medical issues such as colds, flu, Poison Ivy, respiratory infections, bronchitis, pinkeye, sinus problems, allergies, urinary tract infections and ear infections
- 10 minute average doctor response time
- Visits for all ages from children to seniors
- U.S. board certified doctors with an average 20 years practice experience
- Upon request, Teledoc can share visit information with your doctor
Teledoc Mental Health
20% of Americans suffer from mental health condition, but many don't seek treatment due to lack of convenience and accessibility to services. Teledoc Mental Health provides confidential therapy on your terms with virtual access to licensed therapists at no cost.
- Establish an ongoing relationship with a licensed therapist through video or phone section
- Get support for anxiety, depression, stress / PTSD, panic disorder, grief, family and marriage issues, and more.
- Teledoc's licensed therapists are available seven days a week
Online Wellness powered by Health Advocate
Start improving your health today with tools to help you lose weight, get fit, eat healthier, quit tobacco, reduce stress, manage certain health conditions, and reach other health goals. Enjoy personal workouts, health tips, thousands of articles, and more. The Online Wellness website also allos you to sync your fitness device data and includes:
- Prioritized To-Do lists
- Confidential Personal Health Profiles
- Self-guided, online workshops
- Progress trackers
- Interactive competitions and campaigns
How To Access Your Benefits
Download the My Benefits Work mobile app or visit MyBenefitsWork.com to access and use your benefits anytime, anywhere. Follow these simple steps to register your account.
1. Download
Download the My Benefits Work mobile app from the App Store or Google™ play.
2. Register
Register your account on the app or the web portal –you only need to register once and your login will work for both.
3. Enter ID
Use your Group ID and Member ID from the front of your membership card.
4. Enter Email
Enter your email address – this will be your username for the app and portal.
5. Enter Phone Number
Enter your mobile phone number and a password, then proceed.
6. Confirm
You will be prompted to confirm your account through text message or email. Enter the code and continue.
Important: These benefits are access through MyBenefits Work! and not directly through Teledoc.
You will receive an ID card and a packet of helpful information for these beneftis.
My Benefits Work Mobile App Overview: https://www.youtube.com/watch?v=Uc74agNP_iE
Register with My Benefits Work (Web Portal): https://youtu.be/bjsxlTu0kx4
How to add dependents: https://www.youtube.com/watch?v=yzwDlnzCTqA&feature=youtu.be
Teladoc, add dependents, and complete the medical disclosures needed before a consult can occur: https://youtu.be/zGodzmQI2LQ
Sedera Cost Sharing Plan
All full time eligible employees also have the option to join Sedera, a cost sharing plan. Please watch the informational videos and see the flyers below to learn more.
ICHRA
With this option, you will purchase an individual medical plan through the exchange and the ICHRA will reimburse you up to $106 per month.
Sidecar Health
You can use your employer contributions to enroll in Sidecar Health or you can add this on as a voluntary benefit.
We’re on a mission to change the way people think about health care and are turning the traditional approach to health insurance on its head. Instead of limiting patients to narrow networks, our members have the freedom to see any doctor they like. Instead of patients not knowing what services cost, we empower members with tools and information so they can make smarter decisions while sparing their pocketbook. Instead of healthcare providers getting reimbursed by the insurance company, our members pay for care directly using a Sidecar Health VISA card and often get price discounts offered to self-paying patients. The result: members are in control of their care, save money and avoid harsh surprise bills.
When a member enrolls, we send them a Sidecar Health Visa card they use to pay their healthcare provider directly. Through our app, members shop around for care knowing their coverage and benefit amounts as well as prices charged by local healthcare providers. Each member’s card is linked to their app so when a member incurs a healthcare charge, finalizing the claim is as easy as taking a picture of the invoice and submitting it through the app. Because we remove the administrative overhead associated with big insurance, members save 40% or more* compared with traditional plans.
Here’s how it works.
- When the Visa card is used, Sidecar Health provides an estimated Benefit Amount and the member’s personal payment method is charged with the remaining share of the swiped amount. An expense is automatically created within a member’s account.
- When a member uploads a picture of the itemized receipt to the expense, the final Benefit Amount is determined based on the services detailed on the receipt
- If the final Benefit Amount is more than the initial estimated Benefit Amount, Sidecar Health credits the difference to the member. If it is less, the member is responsible for the difference.
- Dedicated, in-house Member Care representatives are reachable immediately without transfer and are ready to help members find medical services in their area and answer questions.
- Members can enroll, change their plans, or cancel at any time. The enrollment process is online and completely paperless.
See links below for additional details. Ask HR for the link to enroll so that your cost can be through payroll deductions.
Dental
Voluntary Dental offered through Dental Select
There are no changes to your dental plan this year.
Dental Select's dental plan provides comprehensive coverage to help you and your family maintain good dental health. Providers are part of the Dental Select Platinum Co-Insurance network, or you may see an out-of-network dentist of your choice. Be aware if you go out-of-network, your costs will be higher.
Use the link below to find an in-network provider.
Select Dental then your city or zip code.
Select "Advanced Search".
The network is "Platinum (Co-Insurance)".
Vision
Voluntary Vision offered through Dental Select
There are no changes to your vision plan this year.
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
Vision coverage through Dental Select (EyeMed 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 EyeMed Select Network.
Use the link below to search for in-network providers. Choose the Dental Select EyeMed Insight network.
Colonial
Life is full of challenges...
Protecting your way of life shouldn’t be one.
If something happened to you, would your family have the income they need? Help protect their way of life with voluntary benefits from Colonial Life.
Disability insurance replaces a portion of income if a covered accident or sickness prevents you from earning a paycheck.
Accident insurance helps offset the unexpected medical expenses that can result from a covered accidental injury.
Life insurance enables you to tailor coverage for your individual needs and helps provide financial security for your family members.
Cancer insurance helps offset cancer diagnosis and treatment expenses that medical insurance doesn’t cover.
Critical illness insurance supplements your major medical coverage by providing a lump-sum benefit that you can use to pay the direct and indirect costs related to a covered critical illness.
Hospital indemnity insurance provides a lump-sum benefit for a covered hospital confinement or a covered outpatient surgery.
Choose options your way:
Coverage is available for your spouse and eligible dependents with most products.
Benefits are paid directly to you, unless you specify otherwise.
With most plans, you can continue coverage when you retire or change jobs, with no increase in premiums.
With most plans, you receive benefits regardless of any insurance you may have with other companies.
If you are interested in learning more or enrolling in the Colonial products, please contact Brian Madtes, the Colonial representative directly at 210-827-5648 or you can email colonialtx.cs@icloud.com.
How To Enroll
All employees should complete an election form to indicate whether they are enrolling or waiving Sedera (cost sharing plan), ICHRA, dental, and vision.
Anyone enrolling with Sedera must complete their online enrollment with Sedera by the 19th of the month in order to get a 1st of the month effective date. Sedera cannot backdate enrollments.