The Orlean Company

Table of Content

  1. Header
  2. Page
    1. Welcome!
    2. Enrollment
    3. Medical Benefits
    4. HSA
    5. Medical Mutual Extras
    6. Dental Benefits
    7. Vision Benefits
    8. Group Life Benefits
    9. Voluntary Life with AD&D
    10. Short Term Disability
    11. Long Term Disability
    12. Accident Benefits
    13. Contact Us
  3. Footer

Welcome!

Welcome



EMPLOYEE ELIGIBILITY

You are eligible to participate if you are full-time and work a minimum of 30 hours per week. Your coverage will be effective 1st of the month following 60 days from your date of hire.


DEPENDENT ELIGIBILITY

You may also enroll eligible dependents for benefits coverage. A ‘dependent’ is defined as the legal spouse and/or ‘dependent child(ren)’ of the plan participant or the spouse.  


Qualifying Life Events

If you have a Qualifying Life Event and want to request a mid-year change, you must notify Human Resources and complete your election changes within 30 days following the event. Be prepared to provide documentation to support the Qualifying Life Event.

Common life events include; Marriage, Divorce, New Dependent, Loss/gain of available coverage by you or any of your dependents.


Enrollment

Click the Enrollment Forms below to Enroll !





Enrollment
Normandy Election Sheet 2023

Normandy Election Sheet 2023

ABC Election Sheet 2023

ABC Election Sheet 2023

Medical Benefits

Medical: 


Medical Mutual is the administrator for the medical and drug benefits.

•PPO 1,500 Plan 80%/40% with $1,500/$3,000 deductible

•PPO $2,000 Plan 80%/50% with $2,000/$4,000 deductible

•PPO $3,500 Plan 80/%40% with $3,500/$7,000 deductible

•HSA $3,000 100%/40% with $3,000/6,000 deductible

•Clecare $3,500/7000 80%


Cost Per Week

PPO 1,500

Employee:$25.34

Employee + Spouse:$216.45

Employee+ Child: $176.13

Family: $366.50


PPO 2,000

Employee:$22.84

Employee + Spouse:$205.67

Employee+ Child:$167.09

Family:$349.23


PPO 3,500

Employee:$20.22

Employee + Spouse: $189.86

Employee+ Child: $154.06

Family: $323.08


HSA

Employee: $17.70

Employee + Spouse: $184.08

Employee+ Child: $148.97

Family: $318.04


CleCare

Employee:$12.74

Employee + Spouse: $158.75

Employee+ Child: $127.94

Family: $273.44


Click the Button below to find out more!

Medical Mutual

HSA

A Health Savings Account (HSA) is a tax-free savings account that owned by you, is 100% vested from day one, and let’s you build up savings for future needs. The funds may be used to pay for qualifying healthcare expenses not covered by insurance or any other plan for yourself, your spouse, or tax dependents. You decide how much you would like to contribute, when and how to spend the money on eligible expenses, and how to invest the balance


HSA 2023 Contribution Limits

Single: $3,850

Family: $7,750

55 and Older Catch Up : $1,000

HSA
HSA Info

HSA Info

Medical Mutual Extras

With Medical Mutual Health plan it's more than just insurance. Members have accused to a variety of programs, discounts, tools, and resources.

-Medical Mutual App

-Maternity Programs

-Quite Line

-WW Program

-Fitness Discounts

-24 hour nurse line



Learn more about these amazing benefits by downloading the guide below or clicking the link

Medical Mutual
Medical Mutual Extra info

Medical Mutual Extra info

Medical Mutual Mobile App

Medical Mutual Mobile App

Dental Benefits

PREVENTION FIRST!

Your dental health is an important part of your overall health. Make sure you take advantage of your preventive dental visits.

Preventive care services are covered at 100% if you visit an In-Network provider. They are also not subject to the annual deductible.


Single: $50

Family: $150


CLASS I: Preventive Services: Covered at 100%

Routine oral exams and cleanings, x-rays (bitewing), sealants & fluoride treatments


CLASS II: Basic Services: Covered at 80%

Periodontics (surgical & non-surgical), oral surgery, fillings & x-rays (full mouth)


CLASS III: Major Services: Covered at 50%

Crowns, inlays/ onlays, root canals,

dentures, implants & bridges


Your pre-tax weekly cost is:

Employee $6.88

Employee + Spouse $12.96

Employee +Child $22.89

Family $22.89

Dental

Vision Benefits

Vision

What's Covered:


 Vision Exam

$10 copay

Up to $50

COVERED SERVICES – LENSES / FRAMES

Single Lenses

$25 copay

Bifocals

$25 copay

Trifocals

$25 copay

Frames

$130 retail allowance,

plus 20% over the allowance

COVERED SERVICES

Contact Lenses

$130 retail allowance

Contact Lens Evaluation Fitting

15% off UCR

Included in Allowance

BENEFIT FREQUENCY

Exams

Once every 12 Months


Lenses

Once every 12 Months


Frames

Once every 24 Months

Contacts

Once every 12 Months

(contacts in lieu of frames/lenses)

Once every 12 Months


Your weekly cost:

Employee only $1.65

Employee + Spouse $2.77

Employee + Child(ren) $2.82

Family Coverage $4.47


C

Group Life Benefits

YOU ARE AUTOMATICALY ENROLLED IN THIS BENEFIT WHEN YOU BECOME ELGIBLE.

THIS BENEFIT IS 100% PAID BY YOUR EMPLOYER!


BASIC LIFE INSURANCE

Life insurance is an important part of your financial security. Life insurance helps protect your family from financial risk and sudden loss of income in the event of your death. AD&D insurance is equal to your Life benefit in the event of your death being a result of an accident and may also pay benefits for certain injuries sustained.


Coverage Amount

$20,000

Accidental Death and Dismemberment (AD&D)

Amount equal to your Life benefit

Benefit Reduction Schedule

Your insurance will reduce to:

–35% of the original amount at age 65

–50% of the original amount at age 70


For more info click on the button below!

Group Life

Voluntary Life with AD&D

VOLUNTARY LIFE INSURANCE

You have the opportunity to enroll in supplemental life insurance. If you choose to enroll in this coverage, you will also have the opportunity to elect coverage for your spouse and/or child dependents.


Premiums are based on age-rates table and on the coverage elected. These premiums are paid by the Employee and are calculated post-tax.


If you and your dependents enroll in coverage at your initial eligibility date, you may apply for coverage up to the Guaranteed Issue amounts listed below without medical questions.


Employee Spouse Dependent Child

$150,000 $10,000 $10,000


If you wish to enroll AFTER your initial date, Guardian will require you to complete medical questions.


Below you will find the bi-weekly cost.



Guardian

Short Term Disability

illness

SHORT-TERM DISABILITY (STD)

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.

To determine the most appropriate level of coverage, consider your monthly expenses and below you can find the rates:



Click on the button below to learn more!

Long Term Disability

LONG-TERM DISABILITY (LTD)

Serious illnesses or accidents can come out of nowhere. They can interrupt your life, and your ability to work for months – even years. 

Long Term Disability provides financial protection for you by paying a portion of your income, so you have financial support to manage your disability and your household.

Your bi-weekly age and monthly benefit is listed below for easy reference:


Click on the button below!

LTD

Accident Benefits

Accident Insurance

A serious injury can cost you a lot of money – not only in medical bills but in things like income from lost work hours. Some injuries are minor, but others are debilitating and require significant medical care. If you get hurt, accident insurance pays you money that you can use to cover personal expenses, bills, and out-of-pocket medical costs.


Who Gets Paid?

You get paid. When you have a covered accident or injury, your health insurance company pays your doctor or hospital, but your accident insurance company pays you.


What’s Covered?

Not all accidents are “qualifying injuries.” The kinds of accidents that are covered can vary by plan but accident insurance plans typically cover things like:


Emergency Room Visits

Ambulance Transportation

Emergency Helicopter Transportation

Hospital Admissions & Per Diem Charges

Intensive Care &Rehabilitation Unit Care

Diagnostic Exams

Follow-up Treatments

Physical Therapy


Your Bi-weekly premium is:

Employee Only $11.71

Employee + Spouse $19.16

Employee + Child(ren) $19.45

Family - $26.90


Click on the button below to find out more about Accident Coverage!


Accident and Life
Class 1 Rates

Class 1 Rates

Class 2 Rates

Class 2 Rates

Contact Us


Additional Contacts

EH

Erin Herman

Erin_Herman@ajg.com

440.991.1251

TS

Traci Swain

traci.swain@nfp.com

216.816.0029