ALL Eligible Employees are required to complete enrollment even if waiving coverage.
WELCOME
Helping you and your family reach and maintain good health is very important to STARRY.
STARRY 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 STARRY. 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.
Benefit Presentation
If you were unable to join the TEAMS Benefits Overview, please click below to view a recording of the Open Enrollment Presentation.
OVERVIEW
STARRY offers benefit plan options through Blue Cross Blue Shield of Texas
Two Medical plan options:
Base Plan – MTBCBB024 - $2,500 deductible – Blue Choice PPO Network
Buy-Up Plan – MTBCB014 - $1,500 deductible – Blue Choice PPO Network
Two Dental plan options:
Base Plan – Blue Care Dental DTNLM38 with a $1,500 annual maximum benefit per Member
Buy Up Plan – Blue Care Dental DTNHR31 with a $3,000 annual maximum benefit per Member
Vision Coverage
Employer paid Life Insurance and Voluntary Supplemental Life Insurance
Employer paid Short and Long Term Disability coverage
Flexible Spending Account - FSA administered through Proficient Benefits
ENROLLMENT
Choose your Benefits carefully.
The Benefit choices you make during your initial enrollment or annual open enrollment remain in effect for the entire plan 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.
Open Enrollment - All Currently Enrolled Employees:
You will use the same login and password information you used to complete your initial enrollment through the EASE portal.
If you have forgotten your password, you will be able to re-set it.
How to Enroll in Benefits
All team members have access to our Ease online benefits enrollment platform 24/7 where you have the ability to enroll, select, or change your benefits online during the annual open enrollment period, new hire enrollment period, and for qualifying events. Accessible 24/7;
- View all benefit plan options and your elections;
- View important carrier forms and links;
- Report a qualifying life event; and
- Make changes to beneficiary designations and more.
Select the link below to log in to your Ease portal.
MEDICAL
There are two medical plan options through BCBS to choose from.
Both options are PPO plans
PPO | In-Network & Out-of-Network Benefits Available
PPO plans offer you the freedom to see any provider when you need care.
•When you use providers from within the PPO network, you receive benefits at the discounted network cost.
•Most expenses, such as office visits, emergency room and prescription drugs are covered by a copay. Other expenses are subject to a deductible and coinsurance.
Review plan Summaries below.
Use the link below to find an in-network provider.
Click on "Find Care" > "Find a Doctor or Hospital" >
Search as a Guest or Login if already registered
WELLNESS
BCBS WELLNESS - Discounts and Incentives
Wellness Programs and Incentives brought to you by BCBS of Texas. You can access these benefits by registering on the BCBS website or downloading the BCBS mobile app.
DENTAL
STARRY dental plan options provide comprehensive coverage to help you and your family maintain good dental health. Both plans include Orthodontic coverage.
See plan Summaries below for more details.
You may select the dentist of your choice; however, when you visit a participating in-network dentist
you could have lower out-of-pocket costs, no balance billing, and claims will be submitted by your dentist on your behalf.
Use the link below to find an in-network provider.
Click on "Find Care" > "Find a Dentist" > "BlueCare Dental"
VISION
EyeMed Vision care network
The Vision plan assists with copayments for eye exams, prescription glasses and contact lenses.
You receive a higher level of benefits when you see a provider in the EyeMed Network.
Review coverage details in your Vision Plan Summary below.
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
To find an in network Provider, please visit the EyeMed Select Network below.
Click on "Find and Eye Doctor" in the upper right corner.
FSA
Flexible Spending Accounts –
The Health Care and Dependent Care Flexible Spending Accounts (FSA) allow you to set aside pre-tax dollars to pay for eligible expenses. By contributing to one or both of the Flexible Spending Accounts you reduce your taxable income, so you pay less in taxes — which saves you money.
Contributions
You must make a new election each year! The election you make during enrollment is your election for the entire plan year. You may change it only if you have a qualifying life event and the change request must be consistent with the event.
You may contribute as follows:
Health Care FSA -
Up to $2,850 annually with up to a $550 roll over amount if funds are not used.
All benefit eligible can participate, unless you or your spouse are contributing to an HSA.
Reimbursements allowed for unreimbursed medical, prescription, dental, and vision expenses.
Dependent Care FSA
Up to $5,000 annually
Limited to $2,500 if you are married and file separate tax returns
How the Plan Works
The person whose expenses you are claiming must be
• your qualifying child under the age of 13, who shares the same residence with you; or
• your spouse or qualifying child or qualifying relative who is physically or mentally unable to
care for him/herself who shares the same residence with you and has income less than the Federal exemption amount.
You must incur your eligible expenses during the plan year. An expense is considered to be incurred when the service is performed, not when you are billed or pay for the service. You do, however, have until March 31st annually to file your claims. Any funds after March 31 unclaimed will be forfeited.
LIFE / AD&D
STARRY provides all eligible employees with Basic Life/AD&D coverage at no cost.
Basic Life/AD&D
Full Time Executives working 30 or more hours per week are eligible for Basic Life coverage of 4x your annual earnings to a maximum of $500,000 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.
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. You Life Beneficiary information can be updated at anytime through the EASE Portal.
Supplemental Life
In addition to your employer provided Basic Life insurance coverage, you have the opportunity to enroll in voluntary/optional/supplemental Life insurance coverage. Coverage is also available for your eligible dependents, however, It is required that you elect coverage for yourself in order to elect coverage for your dependents.
*Guaranteed Issue (GI) and Evidence of Insurability (EOI)
When you are first eligible (at hire) for Voluntary Life and AD&D, you may purchase up to the Guaranteed Issue (GI) for yourself and your spouse without providing proof of good health (EOI).
Any amount elected over the GI will require EOI. If you elect optional life coverage and are required to complete an EOI, it is your responsibility to complete the EOI and make sure it gets to the provider or your HR department for processing with the Provider. Elected coverage over the GI amount will not be installed until the EOI is received and the carrier has approved it. In addition, your spouse will need to provide EOI to be eligible for coverage amounts over GI, or if coverage is requested at a later date.
At Open Enrollment:
Employees currently enrolled in Vol Supplemental Life can increase their coverage by one $10k increment up to the Guaranteed Issue amount without EOI.
For example, if an Employee has $30k, they could increase to $40k at annual enrollment without EOI.
EOI is required for any spouse increase.
EOI is not required for children.
Any employee who previously declined Supplement Life coverage and wants to add the coverage at Open Enrollment, EOI is required for any EE or SP elections.
DISABILITY
STARRY provides Disability Income Protection to all eligible Employees at NO COST.
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 pays 60% of your income to a maximum of $1,500 per week.
Long Term Disability
Disability benefits are designed to replace a portion of your income if you are unable to work for an extended period of time due to an accident or sickness. Benefits begin after a 90 day elimination period and are equal to 60% of covered monthly earnings up to $7,500 for all eligible employees. The benefit paid to you is taxable.
EAP - Employee Assistance Program
Your Mental well-being is important to STARRY
Extra Help When It’s Needed Most
When personal problems arise, many people may choose to cope alone, resulting in negative
consequences at home and the workplace.
Disability Resource Services provides convenient resources to help address
emotional, legal and financial issues.
- Face-to-Face Sessions
- Unlimited Telephonic Counseling ( 24 hours a day, 7 days a week)
- Web-Based Services
Download and Review the flyer to the left for more information including On-line registration information and Contact information.
UNDERSTANDING YOUR BENEFITS
REQUIRED NOTICES AND PLAN DOCUMENTS
Please view the Required Notices and plan documents below.
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 do not understand your benefits or need any assistance, please contact your STARRY HR Department.
Jamie Reed
(512) 661-2611