Table of Content
- Header
-
Page
- Welcome to your Employee Benefit Package sponsored by Ausco Products
- How to Enroll for 2023 Benefits
- Medical Benefits
- RX Benefits
- Dental Benefits
- Vision Benefits
- HSA
- Group Life
- Supplemental Life
- Disability
- Voluntary Benefits
- Virtual Medical Visits
- Employee Assistance Program
- Contact Us
- 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
Deductible
Single-$3,000 (Required Federal Minimum)
Family- $6,000 (Required Federal Minimum)
Out of Pocket Max
Single- $5,000
Family- $10,000
Preventive Service
Covered at 100%
Primary Care Office Visit
80% after deductible
Specialist Office Visit
80% after deductible
Urgent Care
80% after deductible
ER Visit
80% after deductible
Click on the button below for the UMR website
RX Benefits
Express Scripts (ESI) administers the prescription drug program through NFP’s Rx Solutions and a separate ID card must be used.
The specialty drug coverage includes a copay assistance program. Below are the tools and resources that are available to help you access the prescription drug information.
Registering with Express Scripts to create an online account:
•Go to Express-Scripts.com/activate
•Click on Register (upper right hand corner)
•Complete name, date of birth and email address
•Enter your social security number or member ID from Express Scripts
•Establish username and password
Your Express Scripts Account can help you with the following:
1.Under Prescriptions
•Refill Prescriptions by phone, online or mobile app
•History of prescriptions
•View Claims & Balances
•Price a medication
•Set up automatic refills
•Find a Pharmacy
2.Mobile App
•Use the Express Scripts mobile app by downloading from your mobile devices app store (Use the QR code on the Mobile App flyer to download the Express Scripts App)
•Refill Prescriptions
•Find a local pharmacy
•Check your order status
•Find and compare prices with “Price a medication”
Click on the logos below to see the site for more information and money saving RX!
Dental Benefits
Single :$ 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
COVERED SERVICES – LENSES / FRAMES
Single Lenses
$25 copay
Bifocals
$25 copay
Trifocals
$25 copay
Standard Progressive
$55 copay
Premium Progressive*
Ranges $95 - $105
Custom Progressive*
Ranges $150 - $175
Frames
Up to $130 + 20% off remaining balance
COVERED SERVICES
Contact Lenses
Up to $130
Contact Lens Evaluation Fitting
No separate allowance – part of contact lens
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)
Click on the logo below to learn more!
HSA
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
BASIC LIFE and AD&D 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. 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
Employee
$125,000
Spouse
$20,000
Dependent
$4,000
Click on the button below to see the Metlife website
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.
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
Voluntary 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.
Accidents that occur off the job are covered under this program.
The benefit is paid directly to the member. You decide how to spend this benefit.
•You can also purchase this benefit for your spouse and dependent children.
- Employee must be actively at work for initial enrollment
- Spouses between the ages of 17 - 64 are eligible
- Children from birth to age 26 are eligible
•This policy includes an accidental death benefit:
- Employee $50,000
- Spouse $20,000
- Child $10,000.
Offered by UNUM
Virtual Medical Visits
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.
By PHONE:
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
EMPLOYEE ASSISTANCE PROGRAM (EAP) – NO COST TO YOU & COMPLETELY CONFIDENTIAL!
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.
www.metlifeeap.lifeworks.com
user ID - metlifeeap
password: eap
or
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 www.finalwishesplanning.com
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 www.metlife.com
Contact Us
Client Contacts
Michael Ruelle
ruelle@auscoproducts.com
(269) 926-0702
Account Team Contacts
David Leszcz
Producer / Sales Consultant
dave.leszcz@nfp.com
216-264-2725