WELCOME

Helping you and your family reach and maintain good health is very important to Talroo.Talroo 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 Talroo. When you enroll in the benefits program, you may also cover your eligible dependents. Dependents include your legal spouse/domestic partner, 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.


Education Sessions

Join us for one of the online "live" webinars below to learn more about your benefit options. These meetings will be approximately 45 minutes long with time for Q&A.


DECEMBER 1, 2022

Time: 10:00 am CST

Click here to join the meeting


DECEMBER 1, 2022

Time: 2:00 pm CST

Click here to join the meeting


If you were unable to join one of the live webinars, HR will distribute a recording of the open enrollment presentation.

OVERVIEW

Talroo remains committed to providing a competitive, cost-effective benefit program. We have implemented many changes and additions for the 2022 plan year, which we hope will be positively received by you and your families. Below are highlights of changes that have been in effect as of January 1, 2022.


Please review your 2022 Talroo Employee Benefits Guide for information on all of your benefits.

ENROLLMENT

How To Enroll In Benefits

Please login to Zenefits to make your Open Enrollment elections. All elections must be submitted by 11:59pm on December 10th. The benefits you elect during open enrollment will be effective from January 1 - December 31, 2023.


The Benefit choices you make during your initial enrollment or annual open enrollment remain in effect for the entire 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 or 60 days if the event is due to birth or adoption of a child.


Refer to your Employee Benefits Guide or contact Human Resources if you have questions about qualifying events.

MEDICAL/RX

CIGNA

CIGNA is your medical and prescription drug benefits administrator for the 2022 plan year. Due to our continued desire to improve your total benefits package, we have moved your medical plans from UnitedHealthcare to Cigna. This change was carefully selected to provide the most value to you and your families.


You have 4 plans to select from:


  • Open Access Plus plan (OAP) - Plan number 14916398
  • Open Access Plus In-Network (OAPIN) - Plan number 14916388
  • Open Access Plus, High Deductible Health Plan (HDHPQ) - Plan Number 14916404
  • Open Access Plus, High Deductible Health Plan In-Network (HDHPQ OAPIN) - Plan number 14916394


To find out if your provider is in-network, please visit the Cigna website below.

Cigna

Find An In-Network Provider

Cigna

Find An In-Network Provider

SBC HDHPQ Plan

SBC HDHPQ Plan

SBC OAP Plan

SBC OAP Plan

SBC OAPIN Plan

SBC OAPIN Plan

SBC HDHPQ OAPIN Plan

SBC HDHPQ OAPIN Plan

Preferred Provider Organization (PPO) Overview

Preferred Provider Organization (PPO) Overview

Prescription Drug Benefits Overview

Prescription Drug Benefits Overview

High Deductible Health Plan (HDHP) Overview

High Deductible Health Plan (HDHP) Overview

DENTAL

UHC Dental Plan

Talroo's dental plan provides comprehensive coverage to help you and your family maintain good dental health. Providers are part of the UHC Dental 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.


NEW! You now have the option in electing an enhanced dental plan with orthodontia coverage! Please be sure to attend the Open Enrollment meeting or review the summary of coverage to learn more.


  • UHC Dental Base PPO plan - Plan number 0P867 /UCR90
  • UHC Dental Buy Up PPO plan - Plan number P9085 /U90


To find out if your provider is in-network, please visit the website below.

UHC

Find An In-Network Provider

UHC

Find An In-Network Provider

UHC Dental Base PPO

UHC Dental Base PPO

UHC Dental Buy Up PPO

UHC Dental Buy Up PPO

Dental Insurance Overview Video

Dental Insurance Overview Video

VISION

UHC Vision Plan

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


Talroo offers vision coverage through UHC to help pay for eye exams, prescription glasses and contact lenses. You receive a higher level of benefits when you see a provider In Network. Review your coverage details in your Benefit Guide.


  • UHC Vision plan - Plan number SL004


To find out if your provider is in-network, please visit the UHC website below.


UHC Vision

UHC Vision

UHC

Find An In-Network Provider

UHC

Find An In-Network Provider

Vision Insurance Overview

Vision Insurance Overview

LIFE & DISABILITY

Talroo provides you with Basic & Voluntary Life/AD&D coverage as well as Short- and Long-Term Disability through UHC.


Basic Life/AD&D

Eligible Full Time employees are covered at $50,000 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.


Voluntary Life/AD&D

A sudden accident or death can leave you or your loved ones in a vulnerable position. Employees have the opportunity to enroll in Term 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.


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.


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 through UHC pays 60% of your income to a maximum of $2,000 per week.


Long Term Disability

Serious illnesses or accidents 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. Benefits begin after a 90 day elimination period and are equal to 60% of covered monthly earnings up to $10,000 for full-time employees.


Please consult your Employee Benefits Guide and review the benefit summaries for additional details.

Life/AD&D Insurance Overview

Life/AD&D Insurance Overview

Disability Insurance Overview

Disability Insurance Overview

FSA

Flexible Spending Accounts

For employees who enroll in the PPO or EPO plan, the Health Care Flexible Spending Account (FSA) allows you to set aside pre-tax dollars to pay for eligible expenses. By contributing to the Flexible Spending Accounts you reduce your taxable income, so you pay less in taxes — which saves you money.


You may contribute as follows:

  • Up to $2,850 annually
  • 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


How the Plan Works

You must incur your eligible expenses during the plan year — January 1 to December 31. 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.


Dependent Care FSA

The Dependent Care FSA allows you to pay for eligible dependent care expenses, such as child care or elder care, with tax-free dollars. Unlike the Health Care FSA, funds in a Dependent Care FSA are only available once they have been deposited into your account and you cannot use the funds ahead of time.


You may contribute as follows:

  • Up to $5,000 annually for individuals or married couples filing jointly
  • Up to $2,500 if you are married and file taxes separately from your spouse


You may enroll in the Dependent Care FSA even if you're enrolled in the HDHP and have an HSA.

HSA

Health Savings Account

The Health Savings Account (HSA) allows 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.


To be eligible for an HSA, you must be enrolled in a High Deductible Health Plan (HDHP).


You may contribute as follows:

$3,650 for an individual

$7,300 for two person or family

Health Savings Account (HSA) Overview

Health Savings Account (HSA) Overview

HRA

Health Reimbursement Account

An HRA is an employer-funded account that helps employees pay for qualified medical expenses not covered by your health plans. Once you reach the expense limit, you can simply apply for reimbursement! Instructions can be found on the HR portal.


HRA reimbursement amounts:


$1,000 for Individual Coverage

$2,000 for Family Coverage

UNDERSTANDING YOUR BENEFITS

What is Preventive Care?

What is Preventive Care?

Benefit Terms Explained

Benefit Terms Explained

How to Read An Explanation of Benefits (EOB)

How to Read An Explanation of Benefits (EOB)

What is Balance Billing?

What is Balance Billing?

What is a Qualifying Event?

What is a Qualifying Event?

Primary Care vs. Urgent Care vs. ER

Primary Care vs. Urgent Care vs. ER

Contact Us

As you consider your benefit options, please be sure to review all available information: Employee Benefits Guide, HR Portal, and other videos and flyers found on this webpage. If you don't understand your benefits or need any assistance, please check the HR portal:


HR PORTAL