Employee Benefits Effective 1/1/2022
Open Enrollment runs from 12/3/2021 through 12/14/2021.
Welcome
Helping you and your family reach and maintain good health is very important to Legacy Lockers, LLC. Legacy Lockers, LLC 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 Legacy Lockers, LLC. When you enroll in the benefits program, you may also cover your eligible dependents.
Enrollment
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.
EMPLOYEE ELIGIBILITY
You are eligible to participate if you are full-time and work a minimum of 30 hours per week. Your coverage will be effective 1st of the month following 60 days from your date of hire.
EMPLOYEE NAVIGATOR
Enroll through Employee Navigator (see link below) by 12/15/2021.
MEDICAL
We have three medical plan options through United HealthCare. One option is a PPO plan, one is an EPO plan (no out of network services), and one is an HSA compatible plan. See summaries and links below for more information.
Both the PPO and EPO plans have a $0 primary care copay for kids under 19.
PPO – This plan has in and out of network benefits. It has copays for the little things such as doctor’s visits and prescriptions.
EPO -This plan has in network benefits only and no out of network benefits. It has copays for the little things like doctor’s visits and prescriptions.
HSA – This is a high deductible HSA compatible plan. It has in and out of network benefits, but you must pay the contracted rate with the provider and meet your deductible before copays or coinsurance applies.
All plans include telemedicine through Healthiest You. This is telemedicine 24 hours a day, 7 days a week.
NOTE:
CVS in no longer in network with new UnitedHealthCare Plans.
You can search for a provider below. The PPO and HSA plan use the Choice Plus network. The EPO plan uses the Choice network. There is almost a 100% overlap of these networks.
DENTAL
You have two dental options to choose from. Both of these plans provide comprehensive coverage to help you and your family maintain good dental health. Providers on both plans are part of the Dental Select Platinum Co-Insurance network, or you may see an out-of-network dentist of your choice. Both of these plans pay out of network at a high reimbursement rate (90th R&C) but you could save money by staying in network.
Please review the plan summaries below to choose the plan that is best for you and your family.
Use the link below to find an in-network provider.
Select Dental then your city or zip code.
Select "Advanced Search".
The network is "Platinum (Co-Insurance)".
VISION
Voluntary Vision through Dental Select
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
Legacy Lockers offers vision coverage through Dental Select to help pay for eye exams, prescription glasses and contact lenses. You receive a higher level of benefits when you see a provider in Dental Select's EyeMed Select Network. Review your coverage details in your Benefit Guide.
To find out if your provider is in-network, please visit the EyeMed Select Network below.
COLONIAL
Life is full of challenges...
Protecting your way of life shouldn’t be one.
If something happened to you, would your family have the income they need? Help protect their way of life with voluntary benefits from Colonial Life.
Disability insurance replaces a portion of income if a covered accident or sickness prevents you from earning a paycheck.
Accident insurance helps offset the unexpected medical expenses that can result from a covered accidental injury.
Life insurance enables you to tailor coverage for your individual needs and helps provide financial security for your family members.
Cancer insurance helps offset cancer diagnosis and treatment expenses that medical insurance doesn’t cover.
Critical illness insurance supplements your major medical coverage by providing a lump-sum benefit that you can use to pay the direct and indirect costs related to a covered critical illness.
Hospital indemnity insurance provides a lump-sum benefit for a covered hospital confinement or a covered outpatient surgery.
Choose options your way:
Coverage is available for your spouse and eligible dependents with most products.
Benefits are paid directly to you, unless you specify otherwise.
With most plans, you can continue coverage when you retire or change jobs, with no increase in premiums.
With most plans, you receive benefits regardless of any insurance you may have with other companies.
If you are interested in learning more or enrolling in the Colonial products, please contact Brian Madtes, the Colonial representative directly at 210-827-5648 or you can email colonialtx.cs@icloud.com.