202 3 Benefits Open Enrollment March 2 8 th - March 30 th
ENROLL IN YOUR BENEFITS: One step at a time
Step 1: Log In • Go to www.employeenavigator.com and click Login • First time users: Either click on your Registration Link in the email sent to you from Employee Navigator or Register as a new user. • Create an account using a username and password of your choice.
Step 2: Welcome! • After you login click Let’s Begin to complete your required tasks.
Step 3: Onboarding (for first time users, if applicable) • Complete any assigned onboarding tasks before enrolling in your benefits under the Required Tasks tab • Once you’ve completed your tasks click Start Enrollment to begin your enrollments Step 4: Start Enrollments • After clicking Start Enrollment, you’ll need to complete some personal & dependent information before moving to your benefit elections. • TIP - if you hit “Dismiss, complete later” you’ll be taken to your Home Page. You will start enrollments exactly where you left off when you sign in again by clicking “ Start Enrollments ” Step 5: Benefit Elections • To enroll dependents in a benefit, click the checkbox next to the dependent’s name under Who am I enrolling? • Below your dependents you can view your available plans and the cost per pay period. To elect a benefit, click Select Plan underneath the plan cost. • Click Save & Continue at the bottom of each screen to save your elections. • If you do not want a benefit, click Don’t want this benefit? at the bottom of the screen and select a reason from the drop-down menu.
ENROLL IN YOUR BENEFITS: One step at a time
S tep 6: Forms • If you have elected benefits that require a beneficiary designation, Primary Care Physician or completion of an Evidence of Insurability form, you will be prompted or required to complete.
Step 7: Review & Confirm Elections • Review the benefits you selected on the enrollment summary page to make sure they are correct then click Sign & Agree to complete your enrollment. You can either print a summary of your elections for your records or login at any point during the year to view your summary online. • TIP - i f you miss a step you’ll see Enrollment Not Complete in the progress bar with the incomplete steps highlighted. Click on any incomplete steps in the drop down bar to complete them.
Step 8: HR Tasks (if applicable) • To complete any required HR tasks, click Start Tasks . If your HR department has not assigned any tasks, you’re finished!
You can login to review your benefits 24/7
Malone Office Equipment
April 1, 2023 Medical Renewal
Aetna Copay Plan
Axis Gap Plan
Insurance Carrier: Plan Type: In-Network
$40
$40 $80 $100
Office Visit Copay - Primary Care Office Visit Copay - Specialist Care Urgent Care Copay
$80 $100
$0 $0 $0 $0
$500 Copay; waived if admitted $0 Deductible; then 100% Coinsurance Deductible; then 100% Coinsurance
Emergency Room Care Preventative Visit Copay Diagnostic Testing & Blood Work Advanced Imaging Coinsurance Employee Deductible Family Deductible Employee Out-of-Pocket Max Family Out-of-Pocket Max Inpatient Hospital Outpatient Hospital or Facility Prescription Drugs Rx Deductible Tier 1 (Generic) Tier 2 (Preferred) Tier 3 (Non-Preferred) Tier 4 (Specialty)
100% $7,350
100% $0 $0
$14,700 $8,150 (includes deductible)
$800 (includes deductible) $1,600 (includes deductible)
Deductible; then 100% Coinsurance $16,300 (includes deductible) Deductible; then 100% Coinsurance
$0 $0
$0
$0 $3 / $10
$3 / $10 $50 $80
$50 $80 80% up to $250 / 60% up to $500
Copays - 30 Day Supply
80% up to $250 / 60% up to $500
Employee Monthly Deduction Employee Only
$919.41 $838.95 $275.89
Employee + Spouse Employee + Child(ren)
Family
$1,428.86
Employee Semi-Monthly Deduction Employee Only
$212.17 $193.60 $63.67 $137.95 $459.71 $419.48 $714.43 $329.74
Employee + Spouse Employee + Child(ren)
Family
Employee Weekly Deduction Employee Only
Employee + Spouse Employee + Child(ren)
Family
Malone Office Equipment Dental Renewal Option
Insurance Carrier:
UNUM
Plan Type: Annual Deductible
$50 Individual / $150 Family
Calendar Year Maximum
$1,000
Preventive Services
100%
Basic Services Major Services
80% 50% N/A
Orthodontia (dependent children only) Out-of-Network Reimbursement
80th UCR
Monthly Rates Employee Only
$27.41 $55.94 $59.53 $90.49
Employee + Spouse Employee + Child(ren)
Family
Malone Office Equipment
Vision Renewal
UNUM EyeMed
Insurance Carrier: Network:
In-Network
Out-of-Network
Exam Copay
$10 $40
up to $40
Contact Lens Exam Copay
N/A
Lenses - Single Lenses - Bifocal
$10 Copay $10 Copay $10 Copay $10 Copay
up to $30 up to $50 up to $70 up to $70
Lenses - Trifocal Lenses - Lenticular
$150 Retail Allowance, then 20% off remaining balance
up to $70
Frames
Elective Contact Lenses (in place of lenses & frame)
$150 Retail Allowance
up to $100
Medically Necessary Contacts
$0
Medically necessary up to $210
once every: 12 months / 12 months / 12 months
Frequency: Exam / Lenses / Frames Monthly Rates Employee Only Employee + Spouse Employee + Child(ren) Family
$7.35
$21.29 $13.56 $14.70
Malone Office Equipment
Basic Life Renewal
UNUM
Insurance Carrier: Basic Life w/AD&D
All Eligible
Employee Schedule of Benefits
$25,000 Included Yes
Guarantee Issue
Portable Waiver of Premium
Malone Office Equipment
STD Renewal
UNUM Voluntary
Insurance Carrier: Plan Type:
All Eligible Employees
Employee Classification
60% of Weekly Earnings
Benefit Percentage Maximum Weekly Benefit Minimum Weekly Benefit Gauranteed Issue Amount Injury Elimination Period Sickness Elimination Period Benefit Duration Pre-existing Condition Limitation
$900 $10 $900 14 days
11 weeks 14 days 3 month pre-existing / 12 month waiting period
Malone Office Equipment
LTD Renewal
UNUM Voluntary
Insurance Carrier: Plan Type:
All Eligible Employees
Employee Classification
60% $7,000
Benefit Percentage Maximum Monthly Benefit Minimum Weekly Benefit Guaranteed Issue Amount Elimination Period Benefit Duration
$100
ADEA I 90 Days $7,000
Own Occupation
Definition of Disability Partial Disability Benefit Mental & Nervous Limitation Drug & Alcohol Limitation Pre-Existing Condition Limitation
Yes Yes Included 3 month pre-existing / 12 month waiting period
Malone Office Equipment - Medical Comparison
April 1, 2022
Aetna / Axis
Cigna / Fidelity
Insurance Carrier: Plan Type: In-Network
$0 $0 $0 $0 $0
$80 $40
Office Visit Copay - Primary Care Office Visit Copay - Specialist Care Urgent Care Copay
$100
$0 $0 $0 $0
Emergency Room Care Preventative Visit Copay Diagnostic Testing & Blood Work Advanced Imaging Coinsurance Employee Deductible Family Deductible Employee Out-of-Pocket Max Family Out-of-Pocket Max Inpatient Hospital Outpatient Hospital or Facility Prescription Drugs Rx Deductible Tier 1 (Generic) Tier 2 (Preferred) Tier 3 (Non-Preferred) Tier 4 (Specialty)
$0 $0 100%
100% $0
$0 $0
$0 $800 (includes deductible)
$0 $0
$50 $80 80% up to $250 / 60% up to $500 $3 / $10 $0 $1,600 (includes deductible) $0 $0
$0 $0
$0 $20 $50 $75 N/A
Copays - 30 Day Supply
The plan descriptions are based on Yates Insurance Agencies interpretation of the current plan design. We have attempted to duplicate the existing schedule of benefits, but actual plan provisions and claim administration will vary between insurance carriers. This description does not replace or supersede the contract. Insurance company offers are based on the information submitted and plan design outlined. Rating and conditions may be modified or withdrawn in the event that the risk characteristics at the time of enrollment are materially different from those assumed in the quotation.
• This is a Mandatory Benefits Enrollment, even if you are declining all benefits • Benefits will be effective: April 1, 2023 • Please schedule any appointments after April 17th to ensure ID Cards will be available
Page 1 Page 2 Page 3 Page 4 Page 5 Page 6 Page 7 Page 8 Page 9 Page 10-11 Page 12Made with FlippingBook - professional solution for displaying marketing and sales documents online