Innovative Driver Services

Table of Content

  1. Header
  2. Page
    1. WELCOME
    2. OVERVIEW
    3. ENROLLMENT
    4. MEDICAL/RX
    5. DENTAL
    6. VISION
    7. LIFE & DISABILITY
    8. FSA
    9. HSA
    10. VOLUNTARY BENEFITS
    11. UNDERSTANDING YOUR BENEFITS
    12. Additional Resources
    13. Contact Us
  3. Footer

WELCOME

Helping you and your family reach and maintain good health is very important to Innovative Driver Services Company. Innovative Driver Services Company 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

You can enroll in benefits during your initial enrollment period as a newly eligible associate, during Annual Open Enrollment, or if you experience a Qualifying Life Event (QLE).

 When you enroll in the benefits program, you may also cover your eligible benefits. Dependents include your legal spouse, 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.

OVERVIEW

Innovative Driver Services Company remains committed to providing a competitive, cost-effective benefit program. We are implementing many changes and additions for the 2023 plan year, which we hope will be positively received by you and your families. Below are highlights of changes that will become effective on March 1.


Please review your 2023 Innovative Driver Services Company Open Enrollment Employee Benefits Guide for information on all of your benefits.

ENROLLMENT

How To Enroll In Benefits

Action Required:


All election changes must be completed by March 3. The benefits you elect during open enrollment will be effective from March 1, 2023- February 29, 2024.

Contact HR for additional details.


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.

Employee Benefits Guide

Employee Benefits Guide

MEDICAL/RX

Blue Cross Blue Shield of NC

Blue Cross Blue Shield of North Carolina (BCBSNC) will administer your medical and prescription drug benefits this year. In order to make the best use of your benefits and out-of-pocket expenses, we strongly encourage the use of in-network providers, Tier 1 drugs whenever possible, and Urgent Care facilities instead of Emergency Room visits. 



To find out if your provider is in-network, please visit the www.bluecrossnc.com/members website below.


*You can find a list of preventive services at https://uspreventiveservicestaskforce.org/usptf/


Preferred Provider Organization Overview

Preferred Provider Organization Overview

Prescription Drug Benefits Overview

Prescription Drug Benefits Overview

Blue Cross Blue Shield of NC

Find An In-Network Provider

Blue Cross Blue Shield of NC

Find An In-Network Provider

DENTAL

[CARRIER] Dental Plan

Innovative Driver Services Company's dental plan provides comprehensive coverage to help you and your family maintain good dental health. Providers are part of the Unum 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.



*Out-of-Network claims will be paid at 90% of Usual & Customary. Usual & Customary charges are based on prevailing cost of services within geographic areas for the insurance company.



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

Unum Dental

Find An In-Network Provider

Unum Dental

Find An In-Network Provider

Dental Insurance Overview Video

Dental Insurance Overview Video

LIFE & DISABILITY

Innovative Driver Services provides you with Basic & Voluntary Life/AD&D coverage as well as Short- and Long-Term Disability through Unum.


Basic Life/AD&D

Full-time employees are eligible for up to $10,000 coverage 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 Unum pays 60% of your weekly income to a maximum of $1,000 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 monthly income up to $5,000/month 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

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, Intranet, and other videos and flyers found on this webpage. If you don't understand your benefits or need any assistance, please contact:


Innovative Driver Services: David Marr

704-521-6611, ext. 108

DMARR@INNOVATIVEDRIVERS.COM

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