Welcome to Your 2025 Benefits Overview!
Welcome!
Plan Highlights
MEDICAL/RX: Anthem Blue Cross Blue Shield will continue to be the carrier for Medical and Prescription Drugs effective May 1, 2025, with changes to the plan designs.
Plan Network: Anthem utilizes the Blue Access PPO Network
Base Plan - HSA 3500 – $3,500 single / $7,000 family In-network deductible (No changes to this plan)
Buy-Up Plan - HSA 3300 – $3,300 single / $6,600 family In-network deductible (Increased deductible due to IRS Guidelines)
VISION: Vision insurance is offered to all employees through Guardian and is 100% Employer paid
Plan Network: Guardian utilizes the VSP Choice Network
Vision Plan: $10 exam copay / $25 single lens copay
BASIC LIFE AND AD&D: Guardian will continue to be the carrier for Life and AD&D Insurance and is 100% Employer paid
SHORT TERM DISABILITY: Guardian will continue to be the carrier for Short Term Disability Insurance and is 100% Employer paid
Medical - Base Plan - HSA 3500
Anthem Blue Cross Blue Shield (BCBS) offers two plan options. Anthem utilizes the Blue Access Network. Please refer to the Anthem BCBS summary of benefits / certificate of coverage for a full description of In-Network and Out-of-Network coverage in addition to the limitations and/or exclusions that may apply to your plan.
IN NETWORK
DEDUCTIBLE:
- Single Deductible - $3,500
- Family Deductible - $7,000
COINSURANCE (applies after deductible is met): 80%
COINSURANCE MAX SINGLE: $4,000
COINSURANCE MAX FAMILY: $8,000
MEMBER COPAYMENT(S), PLAN PAYS:
- Preventative Exam: 100% no deductible
- Primary Care (PCP) - Office Visit: 80% after deductible
- Specialist - Office Visit: 80% after deductible
- Urgent Care Facility: 80% after deductible
- Emergency Room Visit: 80% after deductible
OUT-OF-POCKET (OOP) MAXIMUM:
- Single Out of Pocket Maximum: $7,500
- Family Out of Pocket Maximum: $15,000
EMPLOYEE CONTRIBUTION - PER WEEKLY PAY:
- Employee - $36.25
- Employee+Spouse - $79.68
- Employee+Child(ren) - $61.19
- Family - $111.91
Medical - Buy-Up Plan - HSA 3300
Anthem Blue Cross Blue Shield (BCBS) offers two plan options. Anthem utilizes the Blue Access Network. Please refer to the Anthem BCBS summary of benefits / certificate of coverage for a full description of In-Network and Out-of-Network coverage in addition to the limitations and/or exclusions that may apply to your plan.
IN NETWORK
DEDUCTIBLE:
- Single Deductible - $3,300
- Family Deductible - $6,600
COINSURANCE (applies after deductible is met): 100%
COINSURANCE MAX SINGLE: $0
COINSURANCE MAX FAMILY: $0
MEMBER COPAYMENT(S), PLAN PAYS:
- Preventative Exam: 100% no deductible
- Primary Care (PCP) - Office Visit: 100% after deductible
- Specialist - Office Visit: 100% after deductible
- Urgent Care Facility: 100% after deductible
- Emergency Room Visit: 100% after deductible
OUT-OF-POCKET (OOP) MAXIMUM:
- Single Out of Pocket Maximum - $6,500
- Family Out of Pocket Maximum - $13,000
EMPLOYEE CONTRIBUTION - PER WEEKLY PAY:
- Employee - $65.76
- Employee+Spouse - $144.53
- Employee+Child(ren) - $111.00
- Family - $202.99
Virtual Visits - Sydney App
No crowded waiting rooms. No Driving. See a doctor when you need a doctor.
A virtual visit lets you see and talk to a doctor from your mobile device or computer. When you use one of the provider groups in our virtual visit network, you have benefit coverage for certain non-emergency medical conditions.
A $49 copay for the HSA plan (unless the deductible is satisfied then it is covered at 100% for the HSA Plans) and this must be paid by you at the time of the virtual visit and will apply toward your deductible and out-of-pocket maximum.
WHEN CAN I USE A VIRTUAL VISIT?
When you have a non-emergency condition and:
– Your doctor is not available
– You become ill while traveling
– When you are considering visiting a hospital emergency room for a non-emergency health condition.
*Your covered children may also use Virtual Visits when a parent or legal guardian is present for the visit.
Examples of Non-Emergency Conditions:
Bladder infection, Bronchitis, Diarrhea, Fever, Pink eye, Rash, Seasonal flu, Sinus, Sore throat, Stomach
HOW DOES IT WORK?
The first time you use a Virtual Visits provider, you will need download the Sydney App or go to Anthem.com
If appropriate, you will then be connected using secure live audio and video technology to a doctor licensed to deliver care in the state you are in at the time of your visit. You and the doctor will discuss your medical issue, and, if appropriate, the doctor may write a prescription* for you.
Virtual Visits doctors use e-prescribing to submit prescriptions to the pharmacy of your choice. Costs for the virtual visit and prescription drugs are based on, and payable under, your medical and pharmacy benefit. They are not covered as part of your Virtual Visits benefit.
HOW DO I GET ACCESS?
Learn more about Virtual Visits and access direct links by downloading the Sydney app on your phone.
Prescription Drugs/Rx
Save Money With Generic (Tier 1) Drugs
Ask your doctor if it’s appropriate to use a generic drug rather than a brand. Generic drugs are less expensive, and according to the FDA, they contain the same active ingredients and are identical in dose, form and administrative method as a brand name.
IN NETWORK
BASE PLAN - HSA 3500:
Retail 30 Day Supply
Rx Deductible - Medical Deductible Applies
TIER 1 (Value/Generic) - $15/$25 (L2)
TIER 2 - $45/$60 (L2)
TIER 3 - $95/$115 (L2)
TIER 4 - $350/$450 (L2) (30 Day Only)
Mail Order 90 Day Supply
Rx Deductible - Medical Deductible Applies
TIER 1 (Value/Generic) - $30
TIER 2 - $113
TIER 3 - $238
BUY-UP PLAN - HSA 3300:
Retail 30 Day Supply
Rx Deductible - Medical Deductible Applies
TIER 1 (Value/Generic) - $15/$25 (L2)
TIER 2 - $45/$60 (L2)
TIER 3 - $95/$115 (L2)
TIER 4 - $350/$450 (L2) (30 Day Only)
Mail Order 90 Day Supply
Rx Deductible - Medical Deductible Applies
TIER 1 (Value/Generic) - $30
TIER 2 - $113
TIER 3 - $238
Where Can I Find a Drug List?
Typically, a full listing of covered drugs is found on your provider’s website. A drug list, also called a formulary, is a list of generic and brand-name drugs covered by a health plan. Although a drug may be on the drug list, it might not be covered under every plan. Review the plan materials for details on specific benefits. You can use drug lists to see if a medication is covered by your health insurance plan. You can also find out if the medication is available as a generic, needs prior authorization, has quantity limits and more.
Helpful Rx Cost Savings Tools & Tips
MAIL ORDER - Many drugs are available in a 90-day supply, rather than the 30-day retail supply. Typically, you will pay less if you choose to get a mail order 90-day supply.
GOOD Rx - There are many tools online that you can use in order to save on prescription costs. One being GoodRx.com, an online Rx database that allows you to find what pharmacy is the cheapest for your specific prescription. Additionally, you may be able to find a coupon that will greatly reduce your cost. It is important to remember that many of the coupons can only be used outside of your plan (will not count towards your maximums).
ASK YOUR DOCTOR - Make sure to ask if there are cost savings alternatives to the prescription they are providing. Many times there are generic or different manufacturers that will save you money at the pharmacy.
Anthem Resources
Anthem member portal: Access your Anthem information 24/7.
A secure website specifically for Anthem members, the Anthem member portal makes it easy and convenient to manage your plan and your health online.
- Search for In-Network doctors, hospitals, and facilities. For example, a less expensive MRI location
- View your EOB (Explanation of benefits)
- View plan documents
- and so much more!!
Sydney Health Mobile App
With the Mobile App, you can get access to vital information when you are away from a computer. You can Track Claims and Spending Information, Estimate Costs, Find a Provider, and Access your ID Card. Download the app on the Apple Store or Google Play. 
Healthy Lifestyles
When you sign up for Healthy Lifestyles, you’ll take a private Well-Being Assessment. Based on the results of your assessment, you’ll be able to spot areas to focus on that will become the basis of your well-being plan. Your well-being plan uses the personal goals you set to keep you motivated, and it changes over time as you make progress toward them.
- Track your progress
- Food tracker
- Exercise tracker
- Medication tracker
- Stress tracker
- Be More Social
- Quit Smoking
Dental
The Guardian dental plan utilizes the DentalGuard Preferred Network. W hen you visit a participating in-network provider, you receive higher levels of coverage. If you choose to receive services from an out-of-network provider, you will be required to pay that provider at the time of service and submit a claim form for reimbursement.
IN NETWORK
Deductible:
Single - $50
Family - $150
*Deductible waived for preventative services
COVERED SERVICES
Preventative - Covered at 100%
Basic - Covered at 80%
Major - Covered at 50%
Endonetics - Covered at 50%
Periodontics - Covered at 50%
EMPLOYEE CONTRIBUTION - PER WEEKLY PAY:
- Employee - $6.41
- Employee+Spouse - $13.01
- Employee+Child(ren) - $14.81
- Family - $22.70
Vision
Under this plan, you may use the eye care professional of your choice. However, when you visit a participating in-network provider, you receive higher levels of coverage. If you choose to receive services from an out-of-network provider, you will be required to pay that provider at the time of service and submit a claim form for reimbursement. Guardian utilizes the VSP Choice Network for this plan.
IN NETWORK
Vision Exam Copay: $10
COVERED SERVICES – LENSES / FRAMES
Single Lenses - $25
Bifocals - $25
Trifocals - $25
Lenticular - $25
Progressive (standard) - $55
Frames - up to $130 allowance, then 20%
CONTACT LENSES
Contact Lenses - Up to $130
Contact Lens Fitting - Included in allowance
BENEFIT FREQUENCY
Exams - Once every calendar year
Lenses - Once every calendar year
Frames - Once every other calendar year
EMPLOYEE CONTRIBUTION - PER WEEKLY PAY:
- Employee - $0.00
- Employee+Spouse - $1.28
- Employee+Child(ren) - $1.33
- Family - $2.95
Basic Life and AD&D
Guardian will continue to provide your Life and AD&D benefits with no plan changes. 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.
Your Basic Life Benefit
- 100% company paid benefit, no cost to you
- Portable: Continue your term insurance if your employment ends
- Convertible: To individual life policy when coverage ends under the plan
*See your Summary of Benefits for coverage amounts and plan details
BENEFICIARY(IES)
It’s very important to designate beneficiaries. Taking a few minutes to designate your beneficiaries now will help ensure that your assets will be distributed according to your direction.
A Beneficiary is the person you designate to receive your life insurance benefits in the event of your death. It is important that your beneficiary designation is clear so there is no question as to your intentions.
It is also important that you name a Primary and Contingent Beneficiary. A contingent beneficiary will receive the benefits of your life insurance if the primary beneficiary cannot. You can change beneficiaries at any time.
You should review your beneficiary elections on a regular basis to ensure they are updated as life changes. Even if you are single, your beneficiary can use your Life Insurance to pay off your debts, such as: credit cards, mortgages, and other expenses.
*You designate your beneficiary(ies) when enrolling for your benefits.
WHAT WILL MY BENEFICIARY RECEIVE?
In The Event That Death Occurs:
–Your Basic Life insurance is paid to your beneficiary.
–If death occurs from an accident: 100% of the AD&D benefit would be payable to your beneficiary(ies) in addition to your Basic Life insurance.
STD - 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.
Elimination Period: 8 days illness / 8 days accident
This is the number of days that must pass between your first day of a covered disability and the day you can begin to receive your disability benefits.
Benefit Duration: 26 Weeks
The maximum number of weeks you can receive benefits while you are sick or disabled.
What's covered?: A variety of conditions and injuries. Typical claims would include: pregnancy, injuries, joint, back and digestive disorders.
Coverage Amount: Covers 60% of your weekly income, up to a maximum benefit of $500 per week.
Definition of Earnings: Base Salary (excludes commissions and bonuses)
Benefit Payment Frequency: Weekly benefit may be reduced or offset by other sources of income.
Cost of Coverage: Employer Paid - Employer pays 100% of the cost
EAP - Employee Assistance Program
We all need a little support every now and then. Guardian’s Employee Assistance Program gives you and your family members access to confidential personal support, across everything from stress management and nutrition to handling legal or financial issues. The services available include consultations with experienced professionals, as well as access to resources and discounts designed to help you in a variety of different ways.
How it can help
- Consultative services are available to provide direct support and assistance
- Work/life assistance that can help you save money and balance commitments
- Access legal and financial assistance and resources – including WillPrep Services
How to access
To access the WorkLifeMatters Employee Assistance Program, you’ll need a few personal details.
Visit: worklife.uprisehealth.com
Access Code: worklife
For more information or support, you can reach out by calling 1 800 386 7055. The team is available 24 hours a day, 7 days a week
How To Enroll?
If you are making CHANGES ONLY to your current benefits:
Please print and complete the ELECTION CHANGE FORM and return to HR no later than April 30, 2025.
If you are NEW to the plan or ADDING NEW dependents:
Please print and complete the ANTHEM ENROLLMENT FORM and GUARDIAN ENROLLMENT FORM
and return to HR no later than April 30th, 2025.
This annual enrollment will be a "passive open enrollment", which means if you do not make your benefit elections by Wednesday, April 30th you will remain in the same plan as your current benefits for the 2025-2026 plan year.
Open Enrollment is the one time of year when you can update your elections without experiencing a Qualifying Life Event (QLE). The elections that you make will remain in place until April 30th, 2026 unless you notify HR within 30 days of your QLE to be eligible to make new elections.
Understanding your Benefits
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Well-being Hub
In today's fast-paced and interconnected world, where stress and mental health issues are on the rise, effective well-being plays a crucial role. At Transcon Conveyer, we recognize that a healthy, content workforce is not only more productive but also fosters a positive culture. We strive for a supportive and inclusive environment where we encourage and support the improvement of physical, mental, emotional, and social well-being. Whether within a corporate setting, a community, or on a personal level, well-being focuses on fostering awareness, empathy, and support to create a healthier and more balanced workplace and environment for all. Prioritizing employee wellness and wellbeing is not just a policy but a reflection of our commitment to both the individual and collective success of the team.
To access the wellbeing newsletter, which includes resources, tips, recipes, and more, please select the button below.
Contact Us
Client Contacts
Donna Maxim
donna.maxim@transconconveyor.com
(216) 771-6660
Mathew Frank
mathew.frank@transconconveyor.com
(440) 255-7600
Account Team Contacts
Kevin Lurie
Producer / Sales Consultant
kevin.lurie@nfp.com
216-410-6751