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TradeGlobal Hourly Non-Exempt
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Hourly / Non-Exempt Employees
Benefits at a Glance
Plan Year: September 1, 2017 through August 31, 2018
CONTENTS & CONTACT INFORMATION
Refer to this list when you need to contact one of your benefit vendors. For general information contact Human Resources at [email protected] or call 513-830-0107.
TRADE GLOBAL Human Resources Phone Number
513-830-0107
Human Resources E-mail Address
BROKER Company Name
M.E. Wilson Company
Broker Contact
Alison Leon
Company Phone Number
813-229-8021 Ext. 146
Company Email Address
MEDICAL
page 3
Company Name
UMR
Company Phone Number
800-826-9781
Company Web Address
www.umr.com
TELEMEDICINE PROGRAM
page 5
Company Name
HealthiestYou
Company Phone Number
866-703-1259
Company Web Address
www.healthiestyou.com
MEDLINK SUPPLEMENTAL
page 5
Company Name
MedLink / American Public Life
Company Phone Number
800-256-8606
HEALTH SAVINGS ACCOUNT (HSA)
page 6
Company Name
Bank of America
Company Phone Number
866-791-0250
Company Web Address
www.bankofamerica.com/benefitslogin
DENTAL
page 7
Company Name
MetLife
Company Phone Number
1-800-942-0854
Company Web Address
www.metlife.com
VISION
page 8
Company Name
MetLife
Company Phone Number
1-855-638-3931
Company Web Address
www.metlife.com
CONTENTS & CONTACT INFORMATION (cont’d)
BASIC & VOLUNTARY LIFE
page 9
Company Name
MetLife
Company Phone Number
1-800-523-2894
Company Web Address
www.metlife.com
SHORT AND LONG TERM DISABILITY
page 10
Company Name
MetLife
Company Phone Number
1-800-858-6506
Company Web Address
www.metlife.com
ACCIDENT & CRITICAL ILLNESS
page 12
Company Name
MetLife
Company Phone Number
1-800-438-6388
Company Web Address
www.metlife.com
LEGAL AID & ID THEFT PROTECTION
page 14
Company Name
LegalShield / IDShield
Company Phone Number
800-654-7757
Company Web Address
www.mylegalshield.com www.myidshield.com
401K RETIREMENT PLAN
page 15
EMPLOYEE ASSISSTANCE PROGRAM
page 16
Company Name
MetLife
Company Phone Number
1-844-763-8543
Company Web Address
www.metlifeeap.com
ADDITIONAL BENEFITS
page 16
ONLINE ENROLLMENT SYSTEM
page 17
Company Name
Web Benefits Design
Company Phone Number Company Web Address
1-888-574-7704
www.mybensite.com/tradeglobal
DISCLOSURE NOTICES
page 19
BENEFIT INFORMATION
Benefit
Who pays the cost?
TradeGlobal pays the majority of the employee premium and contributes toward the dependent cost for all eligible employees. TradeGlobal pays the entire cost of this benefit if the employee is enrolled in the company medical plan. Employees not on the company medical plan can still elect this benefit at their own cost.
Medical Insurance
YOUR BENEFITS PLAN
TradeGlobal offers a variety of benefits allowing you the opportunity to customize a benefits package that meets your personal needs. In the following pages, you’ll learn more about the benefits offered. You’ll also see how choosing the right combination of benefits can help protect you and your family’s health and finances – and your family’s future.
HealthiestYou
MedLink
The employee pays the entire cost.
Dental Insurance
The employee pays the entire cost.
Vision Insurance
The employee pays the entire cost.
Basic Life/AD&D Insurance
TradeGlobal pays the entire cost.
Voluntary Life Insurance
The employee pays the entire cost.
Voluntary Short & Long Term Disability
The employee pays the entire cost.
Accident &
The employee pays the entire cost.
Critical Illness
LegalShield & IDShield
The employee pays the entire cost.
ELIGIBILITY
All Regular full-time employees and eligible dependents are eligible to join the TradeGlobal Benefits Plan on the: • 1 st of the month following 30 days for salary/exempt employees • 1 st of the month following 60 days for hourly/non-exempt employees.
WHEN CAN YOU ENROLL?
You can sign up for Benefits at any of the following times:
Eligible dependents include:
Your legal spouse
•
• After completing your initial eligibility period; • During the annual open enrollment period; • Within 30 days of a qualified family-status change.
• Your married or unmarried natural children, step-children living with you, legally adopted children and any other children for whom you have legal guardianship, who are:
If you do not enroll at one of the above times, you must wait for the next annual open enrollment period.
► Under 26 years of age
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BENEFIT INFORMATION
?
CHOOSING YOUR BENEFITS
You must actively choose any benefit that you pay for, or share in the cost with TradeGlobal. Your part of the cost is automatically taken out of your paycheck. There are two ways that the money can be taken out:
WHY DO I PAY FOR BENEFITS WITH BEFORE-TAX MONEY?
There is a definite advantage to paying for some benefits with before-tax money:
• BEFORE YOUR TAXES ARE CALCULATED – medical, dental, vision, health savings account (HSA contributions)
Taking the money out before your taxes are calculated lowers the amount of your pay that is taxable. Therefore, you pay less in taxes.
• AFTER YOUR TAXES ARE CALCULATED – voluntary life, disability and voluntary products
MAKING CHANGES
Generally, you can only change your benefit choices during the annual benefits enrollment period. However, you may be able to change your benefit choices during the plan year if you have a change in status including:
If you fail to notify Human Resources within 30 days of a family status change, you will be required to wait until the next annual enrollment period to make benefit changes unless you have another family status change.
Your marriage
•
Your divorce or legal separation
•
• Birth or adoption of an eligible child
• Death of your spouse or covered child
• Change in your spouse’s work status that affects his or her benefits
WHEN COVERAGE ENDS
Coverage will stop on the last day of the month in which employment with the company ends.
• Change in your work status that affects your benefits
• Change in residence or work site that affects your eligibility for coverage
• Change in your child’s eligibility for benefits
• Receiving Qualified Medical Child Support Order (QMCSO)
KEY BENEFIT TERMS
COBRA – A Federal law that allows workers and dependents who lose their medical, dental, or vision coverage to continue any of these coverages for a specified length of time by electing and paying for continuation benefits. Copayment – A flat fee that you pay for medical services, regardless of the actual amount charged by your doctor or another provider. This generally applies to physician office visits and prescription drugs. Deductible – The amount you pay toward medical and dental expenses each year before the plan begins paying benefits. Out of Pocket Maximum – The maximum amount you will pay in deductibles, copayments and coinsurance during the year. Coinsurance – The amount you pay toward medical and dental expenses each year after you have met your annual deductible. In-patient – services or care received in a hospital that require admittance or a stay of at least 24 hours. Out-patien t – services or care received at a medical facility that do not require overnight admittance, or a stay less than 24 hours. Embedded – a deductible type that means a single member of a family doesn’t have to meet the full family deductible for after- deductible benefits to apply. Instead, the individual’s after-deductible benefits will begin as soon as he or she meets the individual deductible, even if the plan is for family coverage.
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MEDICAL INSURANCE
TradeGlobal offers three medical plans through UMR. To find participating providers go to www.umr.com and click on “Find a Provider”, then choose “UnitedHealthcare Choice Plus Network” from the network listing. Then follow the prompts to find a provider in your area.
The chart below provides a brief overview of the medical plans. This chart is intended only to highlight the benefits available and should not be relied upon to fully determine your coverage. If the below illustration of benefits conflicts in any way with the Summary Plan Description (SPD), the SPD shall prevail. It is recommended that you review your exact description of services and supplies that are covered, those which are excluded or limited, and other terms and conditions of coverage.
BRONZE HSA Plan
SILVER
GOLD
IN-NETWORK:
Calendar Year Basis
Calendar Year
Calendar Year
Calendar Year
Deductible (Individual / Family)
$4,000 / $8,000
$5,000 / $10,000
$2,500 / $5,000
Embedded/Non-embedded
Embedded
Embedded
Embedded
Coinsurance
80% / 20%
60% / 40%
80% / 20%
Maximum Out-of-Pocket (Individual / Family)
$6,000 / $12,000
$6,500 / $13,000
$6,500 / $13,000
Deductible, Coinsurance, & Copays
Deductible, Coinsurance, & Copays
Deductible, Coinsurance, & Copays
Out-of-Pocket Max Includes
Lifetime Maximum
Unlimited
Unlimited
Unlimited
Routine Preventive Services
Wellness
Covered 100%
Covered 100%
Covered 100%
Immunizations
Mammography/Colonoscopy
CO-PAYS
Referral required
No
No
No
Office Visits Consultations for Illness / Injury
Deductible & Coinsurance
$40 copay
$40 copay
Specialist Visits
Deductible & Coinsurance
$65 copay
$55 copay
Inpatient Hospital
Deductible & Coinsurance
Deductible & Coinsurance
Deductible & Coinsurance
Outpatient Surgery
Deductible & Coinsurance
Deductible & Coinsurance
Deductible & Coinsurance
Emergency Room
Deductible & Coinsurance
$350 copay
$250 copay
Urgent Care
Deductible & Coinsurance
$100 copay
$100 copay
OUTPATIENT DIAGNOSTIC SERVICES
Lab Services (Freestanding Lab)
Deductible & Coinsurance
Covered 100%
Covered 100%
X-Ray Services (Freestanding Lab)
Deductible & Coinsurance
Covered 100%
Covered 100%
Complex Diagnostic
Deductible & Coinsurance
$300 copay
$300 copay
PRESCRIPTIONS
Retail (30 day supply)
Deductible & Coinsurance
$15 / $45 / $90 / 25%
$10 / $40 / $70 / 25%
Mail Order (90 day supply)
Deductible & Coinsurance
2.5 x retail
2.5 x retail
OUT-OF-NETWORK
Deductible (Individual / Family)
$12,000 / $24,000
$7,500 / $15,000
Coinsurance
50% / 50%
50% / 50%
Not Available In-Network Benefits Only
Maximum Out-of-Pocket (Individual / Family)
$18,000 / $36,000
$18,000 / $36,000
Lifetime Maximum
Unlimited
Unlimited
3
MEDICAL CONTRIBUTION SCHEDULE
BRONZE HSA Plan
Employee Cost Per Pay Period
Employee Only
$ 28.75 $ 93.75 $ 68.75 $143.75
Employee + Spouse
Employee + Child(ren)
Family
Employee Cost Per Pay Period
SILVER
Employee Only
$ 50.00 $137.50 $112.50 $193.75
Employee + Spouse
Employee + Child(ren)
Family
GOLD Choice AQOI
Employee Cost Per Pay Period
Employee Only
$ 68.75 $162.50 $137.50 $218.75
Employee + Spouse
Employee + Child(ren)
Family
4
Telemedicine Program
Your healthcare just got a whole lot easier!
With HealthiestYou you can connect with a doctor who can diagnose, treat, and prescribe over the phone 24/7/365. Using HealthiestYou can SAVE YOU TONS OF MONEY and no more time wasted in waiting rooms or trying to schedule an appointment. Our doctors are licensed and can handle an array of common ailments including allergies, earache, sore throat, pink eye, strep throat, urinary tract infection, and many more! HealthiestYou is great for families because your spouse and dependants can use it too and there is no limit on the number of times called or the duration of each call. TradeGlobal pays 100% of the cost for this program for employees who are enrolled in one of the company medical plans. All other employees may enroll in the program for a monthly cost of $7.
Login to member.healthiestyou.com Call 1-866-703-1259 Or download the app to your smartphone!
MedLink Supplemental
MedLink is a supplemental plan which can be used with both the TradeGlobal medical plans. It helps cover a portion or all of the deductible on either plan.
BRONZE MedLink Plan
GOLD MedLink Plan
MedLink covers 100% of your $4,000 deductible for inpatient hospitalization on day 1 of your policy ($4,000 per covered person up to $12,000 max per policy period) and 50% of your $4,000 deductible or $2,000 per covered person (up to $6,000 max per policy period) for outpatient surgical or diagnostic services performed at a hospital or hospital affiliated outpatient center.
MedLink covers 100% of your $2,500 deductible for inpatient hospitalization on day 1 of your policy ($2,500 per covered person up to $7,500 max per policy period) and 50% of your $2,500 deductible or $1,250 per covered person (up to $3,750 max per policy period) for outpatient surgical or diagnostic services performed at a hospital or hospital affiliated outpatient center.
Costs Per Pay Period
BRONZE
GOLD
Employee Only
$16.12 $37.07 $30.63 $51.58
$12.31 $28.31 $23.38 $39.37
Employee + Spouse
Employee + Child(ren)
Family
5
HEALTH SAVINGS ACCOUNT (HSA)
What is a Health Savings Account (HSA)?
It is an interest bearing account created to help you pay medical expenses. The funds in your HSA can be used to help pay your deductible, coinsurance and any qualified medical expenses not covered by your health plan (including dental and vision expenses). All of the money you contribute is tax-free when used to pay for qualified medical expenses. An HSA is your account. It goes with you if you change jobs or when you retire. Our banking arrangement is through Bank of America. Visit Bank of America at www.bankofamerica.com/benefitslogin to learn more about how you can save. If you have more questions, call the Customer Care Center at 866-791-0250
TradeGlobal will match $ .50 for every $1.00 that you contribute toward an HSA account (see maximum contributions below).
Employer Match Maximums
Coverage Tier
Maximum Match
Employee Only
$1,000
Employee + Spouse or Child(ren)
$1,500
Family
$2,000
IRS Annual Maximum HSA Contribution Limits (maximums include any employer contributions)
2017
2018
Employee Only
$3,400
$3,450
Family
$6,750
$6,900
Catch-up Amount for employees 55 years or older
Additional $1,000 annually
Health Savings Account – Eligible Expenses (partial list) • Acupuncture • Alcohol and drug dependency treatment • Ambulance • Artificial limbs • Breast reconstruction surgery (mastectomy-related) • Dental expenses (exams, cleanings, X-rays, root canals, bridges, etc.) • Diagnostic fees (X-rays, MRI’s, bloodwork, etc.) • Doctor fees (including Chiropractic services) • Drugs - prescription and over the counter (when ordered by physician) • Eyeglasses and exams, contact lenses & solutions, laser surgery • Fertility enhancements • Hearing aids and batteries • Hospital and Laboratory fees • Long-term care (medical expenses and premiums) • Nursing home • Physical and speech therapies • Psychiatric care • Smoking-cessation programs and products • Vasectomy • Weight-loss program (to treat a specific disease diagnosed by a physician)
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DENTAL INSURANCE
TradeGlobal offers dental coverage through MetLife. The PPO Dental Plan allows you to use in-network or out-of-network benefits. If out-of-network dentists are used, you will be responsible for paying the difference between MetLife’s allowed amount and what the dentist may charge, also known as “balance billing”. The chart below provides a brief overview of the plan.
BRONZE Dental PPO Plan
GOLD Dental PPO Plan
In-Network
Out-of Network*
In-Network
Out-of Network*
Calendar Year Deductible Individual
$50
$100
$25
$25
$150
$300
$75
$75
Family
Annual Maximum
$1,250
$2,250
Diagnostic & Preventive Exams Cleanings Fluoride X-Rays Sealants Regular Restorative Services Amalgam Fillings Extractions - Single Tooth Endodontics (Root Canal) Periodontics (Gum Disease) Major Services Crowns
Covered in full
Covered in full
Covered in full
Covered in full
Covered 80% after deductible
Covered 50% after deductible
Covered 90% after deductible
Covered 80% after deductible
Covered 50% after deductible
Covered 25% after deductible
Covered 60% after deductible
Covered 50% after deductible
Bridges Dentures Orthodontia Services
50% $500 Lifetime Maximum
50% $2,000 Lifetime Maximum
Children only under the age of 19
• Subject to balance billing. Please refer to your plan document for specific details .
Employee Costs Per Pay Period Employee Only Employee + Spouse Employee + Child(ren)
BRONZE PPO
GOLD PPO
$ 3.54 $ 7.18 $ 9.43 $14.27
$ 5.81 $11.79 $15.39 $22.84
Family
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VISION INSURANCE
TradeGlobal offers vision coverage through MetLife. The MetLife vision network consists of optometrists, ophthalmologists, opticians and optical retailers. You have the option of visiting any provider, however by choosing a participating provider, you receive the highest level of benefits.
Vision
In-Network
Out-of-Network
Routine Eye Exams
$20 copayment
Reimbursed up to $45
Lenses Single
Copay applies
Reimbursed from $30 to $65 depending on type of lenses
Bifocal
Copay applies
Trifocal
Copay applies
Frames
$130 allowance + 20% discount
Reimbursed up to $70
Contact Lenses (elective)
$130 allowance
Reimbursed up to $105
Frequency Exam
Once every 12 months
Lenses or contact lenses
Once every 12 months
Frames
Once every 24 months
• Covered lenses include single vision, bifocal, trifocal and lenticular. • Lenses, Frames & Contacts are limited to either one pair of contacts or frames/lenses per year.
Employee Costs Per Pay Period Employee Only Employee + Spouse Employee + Child(ren)
Vision
$1.58 $2.66 $2.72 $4.29
Family
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BASIC AND VOLUNTARY LIFE INSURANCE
TradeGlobal provides Basic Life insurance to all full-time employees working 30 or more hours per week. Eligible employees also have the option to purchase voluntary life insurance coverage through the group plan. The chart below provides an overview of the plan.
What is Life Insurance? Having adequate Life Insurance can help your family manage expenses and make a difficult transition less stressful but providing them with financial support after your death. AD&D (Accidental Death & Dismemberment, provides a benefit if you suffer a covered accidental death or injury.
BASIC LIFE AND AD&D
Employee Only
$10,000 Basic Life and AD&D coverage - **Paid 100% by TradeGlobal.**
Age Reductions
35% at age 65, 60% at age 70, 75% at age 75, 85% at age 80
VOLUNTARY LIFE
Increments of $10,000 up to a maximum of $300,000 or 5x annual salary, whichever is less.
Employee Only
Employees Under Age 65
No evidence of insurability up to max of $100,000 (newly eligible employees only).
Increments of $5,000 up to a maximum of $75,000 or 50% of Employee amount, whichever is less.
Spouse
Spouses Under Age 65
No evidence of insurability up to max of $30,000 (newly eligible dependents only).
Children
Option of $1,000, $2,000, $4,000, $5,000 or $10,000 – 6 months to 26 years
VOLUNTARY LIFE Monthly rates per $1,000 of benefit
Age
Employee/Spouse
Child