Table of Content
- Header
-
Page
- Welcome
- Overview
- Enrollment
- Medical
- Health Resources
- Dental
- Vision
- Life
- HRA
- Voluntary Benefits
- Understanding Your Benefits
- Plan Details
- Contact Us
- Footer
Welcome
Helping you and your family reach and maintain good health is very important to Phoenix Residence. Phoenix Residence 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 Phoenix Residence. 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.
Education Sessions
Join us for our Open Enrollment meeting to learn more about your benefit options.
July 8th, 2022
Time: 10:00-11:00am
Overview
Phoenix Residence remains committed to providing a competitive, cost-effective benefit program. Below highlights the benefits effective on August 1, 2022.
Please review your 2022-2023 Phoenix Residence Open Enrollment Employee Benefits Guide for information on all of your benefits.
Enrollment
All elections must be submitted by 10:00pm on July 24th, 2022. The benefits you elect during open enrollment will be effective from August 1, 2022 to July 31st, 2023.
If you do not actively enroll in benefits for the 2022/2023 plan year, then the plans you are enrolled in for 2021/2022 will automatically be rolled into 2022/2023.
Open Enrollment will be done by using a platform called “EASE” to make the enrollment process, well – EASY!
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.
Medical
Medica will continue to administer your medical and prescription drug benefits this year.
All options have be carefully selected to provide the most value to you and your families. Phoenix Residence is offering two plan choices, the $8,150-0% HRA Plan and the $2,500-35-25% Buy Up Plan. Each plan has three network choices: Medica Passport, Medica Elect, and VantagePlus. Reminder: See the Summary of Benefits and Coverage (SBC) below for more details.
When you visit in-network providers, you receive the best benefits. To find out if your provider is in-network, please visit the Medica website below.
Prescription Drug Benefits Overview
Prescription Drug Benefits Overview
HDHP vs PPO
HDHP vs PPO
Health Resources
Health Resourses
- MyMedica
- My Health Rewards
- CallLink
- Sanvello
- Omada
- Fit Choices
- Healthy Savings
- Ovia Health
- EAP
Dental
Delta Dental's plan provides comprehensive coverage to help you and your family maintain good dental health.
Be aware if you go out-of-network, your costs will be higher. To find out if your provider is in-network, please visit the Delta Dental website below.
How Does Dental Insurance Work?
How Does Dental Insurance Work?
Vision
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
Phoenix Residence offers vision coverage through EyeMed to help pay for eye exams, prescription glasses and contact lenses. You can review your coverage details in your Benefit Guide.
You receive a higher level of benefits when you see a provider in the EyeMed Network. To find out if your provider is in-network, please visit the EyeMed website below.
How Does Vision Insurance Work?
How Does Vision Insurance Work?
Life
Phoenix Residence provides you with Voluntary Life coverage through Reliance Standard.
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.
Please consult your Employee Benefits Guide and review additional details.
HRA
How does the Health Reimbursement Arrangement (HRA) work?
What is an HRA?
An HRA is an account that The Phoenix Residence funds to help you pay for your health care expenses. Refer to the HRA Plan Schedule of Benefits for fund threshold details.
Is an HRA a health insurance plan?
No. but your HRA does work with your insurance. When you receive care, Medica processes your claim and determines how much you owe. You can then pay this amount with money from your HRA.
Who can contribute to an HRA?
Only employer contributions are allowed.
Are there annual contribution limits?
Yes. Depending on the level of group health plan coverage, the HRA plan will provide a specific maximum reimbursement per year. Refer to the HRA Plan Schedule of Benefits for the specific annual contribution amounts.
Can unused HRA funds carryover?
No. HRA allocations reset each Plan Year.
Are funds portable?
No
Is there a tax benefit?
Yes. Employer contributions into your HRA and the claim reimbursements you receive under the HRA are tax free.
Are there interest earnings?
No
What happens to my HRA if I leave my job or retire?
You can use your HRA only for eligible medical expenses you incurred before leaving your job or retiring.
Who owns the HRA?
Your employer owns the account. You can’t take HRA funds with you if you leave your employment.
How do I pay for expenses from my HRA?
You must present your Medica ID card at the time of each medical visit. The service provider will send the claim to Medica who will then process the claim under the terms of the medical plan. On a weekly basis, Medica will provide Benefit Extras with a report showing the amount of the eligible expenses that were incurred and applied to the group health plan deductible. Where applicable, Benefit Extras will issue you a reimbursement up to the amount available in your HRA account; you will be responsible for paying your provider.
Voluntary Benefits
Phoenix Residence provides a competitive benefits package for all employees as part of our total compensation package. We realize you make benefit choices based on what’s important to you and the needs of your changing lifestyle. Therefore, along with our core benefits, we offer these additional benefits which help to provide financial support to employees. Additional benefits include:
- Short-Term Disability
- Accident Care
- Cancer Assist
- Critical Illness
- Medical Bridge
- Life Insurance
- Legal Shield & Identity Theft Protection
What is Hospital Indemnity Insurance?
What is Hospital Indemnity Insurance?
What is Critical Illness Insurance?
What is Critical Illness Insurance?
What is Accident Insurance?
What is Accident Insurance?
Understanding Your Benefits
What is Preventive Care?
What is Preventive Care?
Benefit Terms Explained
Benefit Terms Explained
How To Read An EOB (Explanation of Benefits)
How To Read An EOB (Explanation of Benefits)
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:
Nikki Bechel
651-227-7655
nbechel@phoenixresidence.org
Client Contacts
Nicole Bechel
nbechel@phoenixresidence.org
(651) 294-7960
Pam Connolly
pconnolly@phoenixresidence.org
(651) 294-7953