Table of Content
- Header
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Page
- WELCOME
- WELCOME
- ELIGIBILITY
- ENROLLMENT
- EMPLOYEE CONTRIBUTIONS
- MEDICAL/RX
- HEALTH SAVINGS ACCOUNT (HSA)
- VIRTUAL VISITS
- DENTAL
- VISION
- FLEXIBLE SPENDING ACCOUNT (FSA)
- LIFE & DISABILITY
- PATIENT ADVOCACY
- WELLNESS
- PROVIDED TO ALL EMPLOYEES
- ADDITIONAL EDUCATION
- CONTACT US
- Footer
WELCOME
Helping you and your family reach and maintain good health is very important to The Reynolds Company (TRC). TRC 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.
TRC 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. Below are highlights of the plans currently offered:
- Medical, Dental, and Vision with United Healthcare
- Life and Disability with New York Life
- Patient Advocacy with Alight
- Wellbeing program with Virgin Pulse
ELIGIBILITY
All regular employees working at least 30 hours per week are eligible to participate in the benefit plans offered by TRC. New Hire Benefits are effective the first of the month following date of hire. When you enroll in the benefits program, you may also cover your eligible dependents. Dependents include your legal spouse and children. Dependent Children eligibility is as follows:
- Medical, Dental, Vision: Age 26
- Voluntary Life/AD&D: Age 19, or 26 if full time student
Spousal Provision: If your spouse has medical coverage through their employer, they must elect that coverage first to be eligible for The Reynolds Company medical insurance. If your spouse is covered by both their employer plan and the TRC plan, the TRC plan will be secondary.
ENROLLMENT
NEW HIRES! Action Required: You must log into Dayforce and elect or waive benefits within 14 days of hire.
ENROLLMENT INSTRUCTIONS:
- Log into your DayForce portal
- You should list all of your dependents so that they are available to add coverage for as you make your elections.
- As you move through the Open Enrollment window your 2022 elections will be displayed, you must 'check the box' if you wish to enroll in a plan for 2023 and be sure to include the coverage for the dependents you wish to cover.
- Submit the Enrollment and save a copy for your records.
The only opportunity to modify your plan elections for 2023 is if you have a Qualifying Life Event. These are events such as marriage, divorce, birth or adoption of a child, loss of eligibility under another plan. If you experience a Qualifying Life Event, you may make changes to your benefits by contacting Human Resources and completing any election changes in DayForce within 30 days of the event. You will need to provide supporting documentation to support the changes based on the Qualifying Life Event. Exception: HSA contributions can be changed at any time for any reason.
If you separate from The Reynolds Company, any active benefits at that time will be terminated as of 11:59 pm of your termination date.
Contact Human Resources if you have questions about qualifying events or completing your elections.
Samantha Cabrera 713.934.6041 slcabrera@reynco.com
Irina Greenfield-Casas 210.246.7892 irinagc@reynco.com
EMPLOYEE CONTRIBUTIONS
We are excited to announce that there was no change to employee costs for 2023. These costs are paid for through pre-tax payroll deduction for the medical, dental, and vision plans. If you elect optional life insurance, those costs are based on age and coverage amount and will be paid for through post-tax payroll deduction, you can view the costs for the optional life through DayForce.
MEDICAL/RX
Group #718490 | (866) 633-2446 | www.myuhc.com
UHC will continue to be the medical and prescription carrier this year. There are no changes to these plan benefits for 2023.
The plans that are offered are as follows:
- Core PPO Plan
- HDHP PPO Plan
Both the Core PPO and the HDHP PPO plans do not require you to select a Primary Care Physician (PCP) or obtain a referral to see a specialist. Both plans have In-Network and Out-of-Network benefits.
Please Note: The Preferred Drug List link provided below is only a general guide and may not entirely reflect how/if drugs are coverage with TRC
You may view participating providers at the link below or consult with your existing providers.
UHC Provider Network: Choice Plus
HEALTH SAVINGS ACCOUNT (HSA)
(800) 791-9361 | www.optumbank.com
The Health Savings Account (HSA) allow you to set aside pre-tax dollars to pay for eligible expenses. By contributing to a HSA you reduce your taxable income, so you pay less in taxes — which saves you money.
Important Reminder: The Eligibility rules for an HSA only apply for putting money in tax-free. If you are no longer eligible to put money in tax-free, you can still continue to use your HSA funds on qualified medical expenses tax free.
HSA IRS Maximums are as follows (any employer provided HSA funds will apply to the maximum noted below):
- $3,850 for a single contract | $7,750 for a two person or family contract
- $1,000 "Catch Up" contribution for those age 55+
- If you are only covered by the HDHP PPO plan for part of the 2023 calendar year, your maximum allowable contribution is prorated based on the date you are covered by the HDHP PPO plan.
VIRTUAL VISITS
(800) 835-2362 | www.teladoc.com
TRC provides all eligible employees access to FREE* virtual visits through Teladoc. Teladoc provides members the opportunity to receive medical and mental health care from the comfort of your own home. With Teladoc, eligible employees and dependents have access to licensed doctors by phone or video 24 hours a day, 7 days a week, 365 days per year.
Common conditions that are typically diagnosable/treatable during a virtual visit are: Cold & Flu, Sore Throat, Ear Infections, UTI's, Rashes, Pink Eye, Diarrhea, and much more!
*If medications are prescribed, they will apply towards your prescription coverage through UHC where applicable copays/cost-sharing may apply.
DENTAL
Group #D099C | (866) 633-2446 | www.myuhc.com
Dental benefits are provided by United Healthcare. Eligible employees may pick between the DHMO (applicable states) or the DPPO Plan. Both options cover Preventive, Basic and Major services.
The DHMO Plan, provides care from In-Network Dentists only. Orthodontia coverage is available for both Children and Adults. The DPPO Plan offers benefits from both In-Network and Out-of-Network providers. In-Network benefits are illustrated below, Out-of-Network benefits are the same, however, you may experience balance billing. Orthodontia benefits are limited to Children (up to 19th birthday).
You can register for the UHC member portal using the resource button in the medical section or by visiting HERE. You only need to register with one username, all of your active coverage with the TRC UHC plans will be populated through that one sign on.
To find out if your provider is In-Network, please visit the website below.
When searching select the networks as follows: DHMO Select Managed Care - OR - DPPO - Options 30
VISION
Group #V1077 | (866) 633-2446 | www.myuhc.com
TRC's Vision benefits are through United Healthcare. When enrolled, you have the option of seeing an In-Network provider or an Out-of-Network provider. You receive the highest level of reimbursement when an In-Network provider is utilized.
Benefits include coverage for Exams, Lenses (including Contacts) and Frames.
You can register for the UHC member portal using the resource button in the medical section or by visiting HERE. You only need to register with one user name, all of your active coverage with the TRC UHC plans will be populated through that one sign on.
To find out if your provider is in-network, please visit the website below.
FLEXIBLE SPENDING ACCOUNT (FSA)
(866) 755-2648 | www.myuhc.com
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
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 $3,050 annually
- If you are enrolled in an HSA plan, you will be eligible for the Limited Purpose FSA only
- 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
Grace Period: Both the Health Care and Dependent Care FSA have a 75 day “grace period”. This means that you have until March 15, 2024, to incur your eligible expenses and until June 15, 2024, to submit your claims.
LIFE & DISABILITY
Life/AD&D Group #FLX-963940 | LTD & STD Group #LK962783 | (800) 362-4462 | www.newyorklife.com
TRC provides you with financial protection options for Life, Accidental Death & Dismemberment, Short Term Disability and Long Term Disability with New York Life. .
LIFE/AD&D Benefits
A sudden accident or death can leave you or your loved ones in a vulnerable position. TRC offers Employer Paid Basic Life/AD&D coverage to all Eligible Employees. Employees also have the opportunity to enroll in Optional Life/AD&D insurance.
If you choose to enroll in Optional employee coverage, this will be in addition to your employer provided Basic Life coverage.
- Basic Life/AD&D Insurance (Employer Paid): 1x Annual Earnings up to $150,000
- Optional Life/AD&D Insurance (Employee Paid)
- Employee: $10,000 increments up to the lesser of 10x your annual salary or $750,000
- Spouse: $10,000 increments up to $250,000
- Child: Flat $10,000
Newly Hired Employees (and your spouse/children) are eligible for Guarantee Issue coverage - No Medical Questions! These Guarantee Issue amounts also apply to a newly eligible spouse and/or children. Guarantee Issue amounts for new employees (and their families) and for newly eligible spouses and children are as follows: Employee $150,000 | Spouse $50,000 | Child $10,000. If the Supplemental Life is not elected when first eligible, you may be required to submit Evidence of Insurability (EOI) should you choose to elect at a later date.
Annual Re-Enrollment Option: During the annual open enrollment you may be eligible to elect $10,000 for the first time or increase your supplemental life insurance by $10,000 with no medical questions!
WHO IS 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.
DISABILITY (Employer Paid)
An illness or injury can interfere with your ability to work. Even a few weeks away from work can make it difficult to manage household costs. Disability insurance provides financial protection for you by paying a portion of your income, so you have financial support to manage your disability and your household.
Certain limitations and exclusions may apply, review your certificate for more details.
PATIENT ADVOCACY
Health benefits can be confusing, medical costs are rising, and finding the right care for you and your family can be frustrating and time consuming. Alight offers professional guidance to help navigate through these challenges.
A dedicated HealthPro Consultant will aid you in understanding your benefits, finding great doctors, dentists and eye care professionals, and resolving billing errors plus much more!
To access Alight visit the Member Portal at Member.alight.com or call 800.513.1667, ext 31.
WELLNESS
The Simply Well Wellness Program, through Virgin Pulse, gives you the tools to get active, get healthy and live better everyday. You can easily track Preventive Care Exams and manage your health conditions with the new My Care Checklist.
Participation in the annual Health Check Survey and Biometric Screening process allows you to be eligible for the Reward Point program. Do healthy things, be rewarded, and celebrate success!
Signing Up is Easy!
We’ll help you make small, everyday changes for your wellbeing and focus on the areas you want to improve the most. Signing up is simple. Visit join.virginpulse.com/TRC or open the app and select Create Account.
After you have joined using the registration link to the right, be sure to download the Virgin Pulse app on your iOS or Android device to keep tracking!
PROVIDED TO ALL EMPLOYEES
Life Assistance Program: This confidential program is available 24/7 to help you and your family members find solutions to help address emotional issues regarding life's big and small challenges. Phone: (800) 344-9752
Financial Wellness Program: We know financial and legal challenges can be very stressful for you and your family. That’s why New York Life Group Benefit Solutions provides our Financial, Legal & Estate Support program1 to help you navigate these issues, at no additional cost. Leaving you with fewer worries. Phone: (800) 344-9752
Travel Assistance: The Secure Travel program provides certain travel assistance benefits for emergency medical, financial, legal and communications needs when you or a covered dependent are traveling 100 miles or more from home. Contact Secure Travel from the US and Canada at 888.226.4567, from other locations call collect to (202) 331.7635 - you can also reach a representative via email at ops@us.generaliglobalassistance.com.
ADDITIONAL EDUCATION
CONTACT US
As you consider your benefit options, please be sure to review all benefit information available to you. If you need additional support through this process, please contact:
Samantha Cabrera 713.934.6041 slcabrera@reynco.com
Irina Greenfield-Casas 210.246.7892 irinagc@reynco.com
Tina James 713.934.6042 tljames@reynco.com
Erin Gibson 682.647.2138 elgibson@reynco.com
This is a high-level benefits overview of certain benefits your employer offers. The information is intended as a general outline of the benefits offered under your employers benefits program and should not be considered legal, investment or other benefits advice. Benefit plans are subject to change, amendment, or termination without notice to or the agreement of any employee/participant.