Cypress Companies- Ausco Products, Inc.

Table of Content

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    1. Welcome to your Employee Benefit Package sponsored by Ausco Products
    2. How to Enroll for 2023 Benefits
    3. Medical Benefits
    4. RX Benefits
    5. Dental Benefits
    6. Vision Benefits
    7. HSA
    8. Group Life
    9. Supplemental Life
    10. Disability
    11. Voluntary Benefits
    12. Virtual Medical Visits
    13. Employee Assistance Program
    14. Contact Us
  3. Footer

Welcome to your Employee Benefit Package sponsored by Ausco Products


Medical- You have one medical plan to choose from administered by UMR with the UHC choice Plus Network.

Dental- Administered through UMR

Vision- Administered by VSP direct

Group Life - Administered by MetLife

Medical Benefits

Medical Plan 3000


Single-$3,000 (Required Federal Minimum)

Family- $6,000 (Required Federal Minimum)

Out of Pocket Max

Single- $5,000

Family- $10,000

Preventive Service

Covered at 100%

Primary Care Office Visit

80% after deductible

Specialist Office Visit

80% after deductible

Urgent Care

80% after deductible

ER Visit

80% after deductible

Click on the button below for the UMR website

Benefit Guide 2023

Benefit Guide 2023

RX Benefits

Express Scripts (ESI) administers the prescription drug program through NFP’s Rx Solutions and a separate ID card must be used.

The specialty drug coverage includes a copay assistance program. Below are the tools and resources that are available to help you access the prescription drug information.

Registering with Express Scripts to create an online account:

•Go to

•Click on Register (upper right hand corner)

•Complete name, date of birth and email address

•Enter your social security number or member ID from Express Scripts

•Establish username and password

Your Express Scripts Account can help you with the following:

1.Under Prescriptions

•Refill Prescriptions by phone, online or mobile app

•History of prescriptions

•View Claims & Balances

•Price a medication

•Set up automatic refills

•Find a Pharmacy

2.Mobile App

•Use the Express Scripts mobile app by downloading from your mobile devices app store (Use the QR code on the Mobile App flyer to download the Express Scripts App)

•Refill Prescriptions

•Find a local pharmacy

•Check your order status

•Find and compare prices with “Price a medication”  

Click on the logos below to see the site for more information and money saving RX!


Dental Benefits

Single :$ 25 deductible

Family:$ 75 deductible

CLASS I: Preventive Services- 100%

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

CLASS II: Basic Services- 80%

Periodontics (surgical & non-surgical), endodontics (root canals), oral surgery, fillings, & x-rays (full mouth), crowns

CLASS III: Major Services- 50%

Dentures (full & partial), implants & bridges

Class IV: Orthodontia- 50%

Click the button below to find a Dentist


Vision Benefits


 Vision Exam

$10 copay


Single Lenses

$25 copay


$25 copay


$25 copay

Standard Progressive

$55 copay

Premium Progressive*

Ranges $95 - $105

Custom Progressive*

Ranges $150 - $175


Up to $130 + 20% off remaining balance


Contact Lenses

Up to $130

Contact Lens Evaluation Fitting

No separate allowance – part of contact lens



Once every 12 Months


Once every 12 Months


Once every 24 Months


Once every 12 Months

(contacts in lieu of frames/lenses)

Click on the logo below to learn more!


Health Savings Account

NOTICE TO Employees Regarding HSA Bank

•UMR will automatically enroll you in HSA Bank if enrolled in the medical plan.

HSA Bank will send a Welcome Kit and Health Benefits Debit Cards. The debit card (two cards) will be used to pay for qualified expenses

•STEP 1: Employee signs in into their new HSA Bank account

•STEP 2: New User needs to be selected

•STEP 3: Use the credentials given in Welcome Kit to sign in

•STEP 4: HSA Bank will need you to designate a beneficiary

•STEP 5: If you wish to also contribute to the HSA, a Pretax Payroll Contribution from must be completed. This form will be linked to BenXpress

Once log-in has been completed, download the HSA Bank mobile app with the same credentials used for the initial sign-in.

Investment Options are available (must maintain $1,000 minimum balance) in your HSA Account: Devenir & TD Ameritrade.

HSA Bank Mobile App allows you to check balances and view transactions.

24/7 customer service with online chat. 1-877-848-0238 

Click on the button below to see the HSA Bank website

Group Life


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. Accidental Death & Dismemberment (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.

Click on the button below to see the metlife website


Supplemental Life


Cost of Coverage

Premiums are based on age-rated tables and paid by the employee every pay period through a payroll deduction. These premiums are post-tax and benefits payable are tax-free. The age-rated tables and premiums are programmed into the BenXpress online enrollment system. The amount of coverage for Life and AD&D must be the same amount.

Coverage Options

Employee Coverage

You can elect in amounts based off your Salary.

Spouse Coverage

Choose in $10,000 increments up to the lesser of 50% of the amount you elect for yourself or $50,000

Dependent Coverage

Can elect $4,000

Do I have to take a health exam to get coverage?

If NEWLY HIRED and enrolling within 30 days of eligibility, you may elect coverage up to the plan maximum; however, the first $125,000 will be allowed on a guarantee issued basis. Amounts elected above $125,000 will need evidence of insurability (EOI) with underwriting approval. Existing employees who wish to newly enroll or increase existing amounts, must complete evidence of insurability (EOI) submitted to underwriting review and approval. 

Guaranteed Issue







Click on the button below to see the Metlife website




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.

Cost of Coverage

Ausco Products provides a company paid Long Term Disability benefit at no cost to you. You must be deemed to be disabled by a physician and unable to perform your job duties.

Elimination Period

This is the number of days that must pass between your first day of a covered disability & the day you can begin to receive your disability benefits.

Your elimination period is 180 days

Benefit Duration

The maximum number of weeks you can receive benefits while you are sick or disabled.

Payments will last for as long as you are disabled, or until you reach Retirement Age (age 65), whichever is sooner.

You must be sick or disabled for the duration of the elimination period before you can receive a benefit payment. 

Coverage Amount

Please refer to your LTD benefit summary on BenXpress.

What's covered?

A variety of conditions and injuries. Typical claims would include cancer, back disorders, injuries and cardiovascular, joint disorders.

Definition of Earnings

Base Salary (excludes commissions and bonuses)

Click below the button below for the Metlife website

Virtual Medical Visits

vol ben

This is a FREE benefits to all employees who are talking Ausco Medical Benefits

WHEN CAN I USE Telemedicine? 

When you have a minor illness or injury 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 between ages of 6 – 18 may also use Telemedicine when a parent or legal guardian is present.


1.Call 888.691.7867 and press 1 to speak to a doctor

2.A First Stop Health intake agent will ask a few brief questions

3.Within 5 – 10 minutes, a physician will call you back to review history, symptoms and make recommendations.

4.If a prescription is required, patients will be notified via email or text when the prescription has been sent to your preferred pharmacy. PLEASE HAVE YOUR PREFERRED PHARMACY’S PHONE NUMBER AVAILABLE. 

Click on the button below for more information

Employee Assistance Program



Employees are automatically eligible for an Employee Assistance Program (EAP) and is provided at no cost through MetLife


EAP Overview

Provided through the LifeWorks EAP Program that provides consultation for relationship issues, stress, coping with change, grief and loss, family and marital issues, adjustment disorder, depression, anxiety, addiction and domestic violence

In-Person sessions that includes up to 5 face-to-face sessions per issue. There is no limit to the  number of issues per year.

Live, 24/7 access to a master’s level consultant. LifeWorks clinicians have a minimum of 3 years of clinical experience.

Assists in locating childcare and elder care services.

Includes referrals to a local attorney that provides a 30-minute consultation for free. A 25% discount applies for services beyond the initial consultation.

On-staff accredited financial consultants who can assist with credit management, budget analysis, home buying, mortgage/refinancing, retirement planning, basic estate planning.

Consumer and Convenience Research—provides consultation, research and referrals on consumer issues, home and appliance repair, pet services, transportation services, house/apartment sitting resources and purchasing large ticket items.

user ID - metlifeeap

password: eap


Call: 1-888-319-7819

MetLife Advantage Programs

MetLife’s Advantage programs provides funeral discount & planning services through Dignity Memorial.

Below is an overview of the services that are available:

Discounts of up to 10% off the funeral, cremation and cemetery services

Funeral Assistance – 24/7

Planning Services – online or over the phone

Bereavement Travel Services to assist with time sensitive travel arrangements to be with loved ones.

Contact by calling 1-866-853-0954 or

As part of the Basic Life/AD&D program grief counseling is also available.

 If enrolled in Supplemental Life, Will Preparation and Estate Planning/Resolution Services are provided at no cost.

How to use the Will Preparation Services: (included with the Supplemental Life ONLY)

1.Call Hyatt Legal Plans’ at (800) 821-6400

2.Give the Company Name (Cypress Companies), customer number (122627) and the last 4 digits of the policy holder’s SSN#

Please see Human Resources for additional information or visit

Contact Us

2023 Compliance

2023 Compliance

Client Contacts


Michael Ruelle

(269) 926-0702

Account Team Contacts


David Leszcz

Producer / Sales Consultant