2023 - 2024 Employee Benefit Guide AN OVERVIEW OF THE WIDE ARRAY OF BENEFITS PROVIDED BY VETERINARY PRACTICE PARTNERS TO HELP YOU ENJOY INCREASED WELL-BEING AND FINANCIAL SECURITY
PREPARED BY BRIO BENEFITS FOR VETERINARY PRACTICE PARTNERS
Table of Contents
3
ELIGIBILITY
4
MAKING A CHANGE (after Open Enrollment)
5
WHEN YOU CAN ENROLL
6
ALEX – BENEFITS COUNSELOR
7
MEDICAL PLAN OPTIONS
8
HEALTH SAVINGS ACCOUNT
9
MEDICAL PLAN COMPARISON
10
MEDICAL EMPLOYEE CONTRIBUTION
11
TELEMEDICINE
12
CIGNA REGISTER ONLINE
13
MAIL ORDER PHARMACY
14
HEALTH CARE MANAGEMENT | Resources at Your Fingertips
15
WHERE TO SEEK CARE
16
DENTAL PLAN
18
VISION PLAN
19
LIFE AND AD&D
21
SHORT TERM DISABILITY
22
GUARDIAN WORKSITE BENEFITS
23
COMMUTER BENEFIT
24
40 401(K) RETIREMENT
25
TALKSPACE
26
GINGER
28
SUPPORTLINC / CURALINC
29
IMPORTANT EMPLOYEE NOTIFICATION
37
BENEFIT PLAN CONTACT INFORMATION
2
Eligibility
FLEXIBLE SOLUTIONS TO MEET YOUR BENEFIT NEEDS
HOW TO ENROLL
Introductio n Please note that this guide applies to VPP’s benefit plans only. If your veterinary hospital sponsors its own employee benefit plans, contact your hospital directly for additional information. To enroll in benefits, log in to the Employee Self-Service portal in Paycom using your individual Username and Password and the last 4 digits of your Social Security Number. From the home screen, you will have a main menu on your dashboard and one of the options will be “Benefits . ”
VPP considers our employee benefits program to be one of our most important investments. Because we recognize the value our employees bring to our company, we are committed to providing you with a complete benefits program as part of your total compensation. This guide has been prepared to assist you in making informed decisions regarding your employee benefits. We urge you to read this guide carefully and keep it as a reference. If you are well-informed, you will be better able to make the benefit choices that best meet your needs. When making your choices, you should consider: • The benefits offered • The cost of coverage • Physicians and facilities available • Any ongoing medical needs for you and your family
ELIGIBLE DEPENDENTS
Spouse – An individual to whom you are legally
•
married.
• Your or your spouse’s child who is under age 26, including a natural child, stepchild, a legally adopted child, a child placed for adoption or a child for whom you or your spouse are the legal guardian.
An unmarried child, age 26 or older, who is disabled
•
WHO IS ELIGIBLE?
and dependent upon you.
All full-time employees working an average of 30 hours per week are eligible to participate in benefits. Your benefits are effective on the first of the month following 30 days after your full time hire date. If you do not enroll during this time period, you will not be eligible for benefits until the next Open Enrollment, unless you have a Qualifying Life Event Change. If you are an employee who is hired into an employment category that may work less than an average of 30 hours per week, VPP will review your average hours following an 11-month lookback policy. Employees changing from part-time to full-time status must work 30 average hours per week during a 12-month measurement period. Benefits will be effective 1st of the month following the sixty (60) day administrative period. Employees who average less than 30 hours per week during the measurement periods will generally not be eligible to participate.
VPP may require verification of dependent status for medical, dental and vision coverage for all spouses and dependents under the Plans.
3
Making a Change
QUALIFYING LIFE EVENT
If you have a qualifying life event change, you may be able to change your benefits before the next Open Enrollment. You must notify Human Resources within 30 days of the change.
Change in residence if change affects
•
• Marriage, annulment, legal separation, or divorce.
benefit options.
Medical Child Support Order.
•
Birth or adoption.
•
Entitlement to Medicare or Medicaid.
•
Death of spouse or child.
•
• Loss of coverage under a state Children's Health Insurance Program (CHIP) or Medicaid.*
Change in dependent’s eligibility
•
status (e.g., turns 26 years old).
Reduction in hours.
•
Change in employment status by you or
•
your spouse.
Enrollment in Marketplace/Exchange.
•
Contact Human Resources for a complete explanation of qualifying life event changes.
You must take action in Paycom within 30 days after your qualifying event date to add, change, or drop coverage. You must submit supporting documentation within 30 days from the date of the event. If your documentation is not submitted within 30 days from the date of the event and/or does not support the change, your request will be denied. Benefits are effective as of the qualifying event date. For a birth or adoption, benefits are effective date of event.
*Must request enrollment within 60 days of the loss of coverage
4
When You Can Enroll When You Can Enroll
NEW HIRES/ NEWLY ELIGIBLE FOR BENEFITS
CONTROLLING COST...WHAT YOU CAN DO
When you are first hired or become eligible for benefits (your benefits are effective on the first of the month following 30 days from your full time hire date), you have 30 days to enroll for benefits. If you do not enroll within your enrollment time period, you will not be eligible for benefits until the next Open Enrollment, unless you have a Qualifying Life Event.
In light of increasing health care costs, there are steps you can take to manage your out-of-pocket health care expenses. Use the following tips to save time and money: • Always confirm that your physician, eye doctor, and dentist are still part of the network by calling the customer service number on your ID card or visiting the carrier’s website. • Check your area for urgent care center locations as an alternative to emergency room services. Only visit the emergency room in the case of a true emergency. You can also use telemedicine to help treat a wide range of non-emergency medical conditions. • Use generic prescriptions, if available. Ask your doctor for a generic drug or request the generic equivalent when having your prescription filled.
OPEN ENROLLMENT
During Open Enrollment, you will have the opportunity to enroll or make changes to your benefit elections. You must enroll by the Open Enrollment deadline for your benefits to be effective July 1. Except for a Qualifying Life Event, you will not be able to change your elections until the next year’s Open Enrollment. All changes are made in the Employee Self-Service portal in Paycom.
Some Americans must have health
insurance or pay a penalty when filing their income tax return. You can obtain insurance from your employer’s plan, spouse’s plan, or the Public/State Exchange.
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Introductio n Meet Alex!
WHO IS ALEX AND HOW CAN IT HELP ME?
We understand that making decisions around benefits is important to all of our employees, but at times can be both difficult and confusing.
To enhance your understanding and to make YOUR benefit experience easier, we are excited to offer ALEX, a virtual benefit counselor. ALEX is an interactive decision-making support tool that can help you decide which benefit options are right for YOU! Think of it as your personal guide that helps you make important benefit decisions.
HERE ARE A COUPLE OF IMPORTANT THINGS TO KNOW ABOUT THE ALEX TOOL:
It’s personalized, so you can see which plan makes the most sense for YOU, not your coworkers, or your boss, or even me, your local benefits genius.
It's fun to use. There’s no boring insurance jargon or complicated legal jibber -jabber.
It’s confidential, so you can get the guidance you need without revealing all your fascinating secrets.
It’s available all year! You can find out information about your benefits at any time and your significant other can use it as well!
*Please be aware that Alex is a support tool and NOT where you make your actual benefit elections.
SEE HOW ALEX CAN HELP AT:
https://www.myalex.com/Veterinary-Practice-Partners/2023/
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Medical Plan Options and Key Terms
You have three medical plans to choose from. The medical plans provide comprehensive coverage but are different in how they are designed.
You decide which Cigna Open Access Plus plan best meets your needs:
Cigna HSA Bronze Plan
•
Cigna PPO Silver Plan
•
Cigna PPO Gold Plan
•
KEY TERMS TO REMEMBER
Annual Deductible
The amount you have to pay each year before the plan starts paying a portion of medical expenses. All family members’ expenses that count toward a health plan deductible accumulate together in the aggregate; however, each person also has a limit on their own individual accumulated expenses (the amount varies by plan).
Out-Of-Pocket Maximum
This is the total amount you can pay out of pocket each calendar year before the plan pays 100 percent of covered expenses for the rest of the calendar year. Most expenses that meet provider network requirements count toward the annual out-of-pocket maximum, including expenses paid to the annual deductible, copays and coinsurance.
Copays & Coinsurance
These expenses are your share of cost paid for covered health care services. Copays are a fixed dollar amount, and are usually due at the time you receive care. Coinsurance is your share of the allowed amount charged for a services, and is generally billed to you after the health insurance company reconciles the bill with the provider.
Plan Types
• EPO/PPO - A network of doctors, hospitals, and other health care providers • HDHP - A plan that has higher annual deductibles in exchange for lower premiums. An HSA is part of a HDHP.
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Health Savings Account
High Deductible – Health Savings Account (HSA)
VPP is offering a Health Savings Account (HSA) for the Bronze HDHP plan.
• A health care account and savings account in one that helps to offset the cost of a qualifying high deductible health plan (HDHP) and provide savings for your out-of-pocket eligible health care expenses
• It’s portable. You own your HSA. It’s yours to keep, even if your employment ends. Once established, money is contributed by yourself and VPP. This allows you to use tax free dollars to pay for eligible health care expenses, like doctors’ visits and prescriptions. Deposits are tax -free, and you get tax-free withdrawals as long as the money is used toward eligible healthcare expenses. See ALEX for more detail on how to save money by using your HSA.
• If you elect the HDHP, VPP will contribute $1,100 annually, funded on a biweekly basis ($42.31 per pay period). The VPP contribution is prorated for mid-year enrollees.
• The 2023 IRS Allowance is as follows: $3,850 (single); $7,750 (family). In addition to the VPP $1,100 contribution, you will be able to contribute up to $2,750 (single) & $6,650 (family).
• There Is a $1,000 catch up contribution if you are 55 or older.
• Any unused funds at the end of the plan year will carry-over.
• If you enroll in the Silver or Gold plans, you are not eligible to enroll in a Health Savings Account.
• To be eligible for the HSA account, you must not be a participant in: another medical/prescription drug plan that is not a qualified HDHP (such as a spouse’s plan), Medicare, Medicaid, or Tricare. You are also ineligible if you can be claimed on another person’s tax return as a dependent.
How does your HSA work?
• When you visit your Cigna doctor you should never pay at time of service.
• Your doctor/facility will submit claims on your behalf to Cigna (For out-of- network claims it’s your responsibility).
• After your claim is processed and the in-network Cigna discount is applied, your doctor will bill you for your responsibility. You will also receive an Explanation of Benefits (EOB) from Cigna showing your responsibility.
• You can then use your HSA Debit Card to pay your portion. To pay, call the Doctor/Facility and provide them with your card information. If you receive a paper bill, there is a section on the bill where you may enter your card information to make a payment.
• Your HSA account with UMB will automatically be opened for you. If you do not receive a welcome package or card in the mail within 15 business days, please contact UMB customer service at 866-520-4472. Enrollment Verification number: 0044008460003
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Cigna
Cigna HSA BRONZE
Cigna PPO SILVER
Cigna PPO GOLD
IN-NETWORK
VPP Contribution
$1,100 (funded biweekly)
N/A
N/A
Deductible (Indiv/Fam)
$4,000/$8,000
$5,000/$10,000
$2,000/$4,000
Coinsurance
90%
70%
90%
Preventive Care Visit
100% Covered
100% Covered
100% Covered
Primary Care Visit
$40 after deductible
$50 Copay
$35 Copay
Specialist Visit
$60 after deductible
$75 Copay
$60 Copay
Virtual Visit
$10 after deductible
$10 Copay
$10 Copay
Hospital
10% after deductible
30% after deductible
10% after deductible
Emergency Room
$200 after deductible
Urgent Care
$100 after deductible
Lab Tests/Diagnostics – Office*
0% after deductible
No Charge
No Charge
Lab Tests/Diagnostics - Hospital
10% after deductible
30% after deductible 10% coinsurance, no ded.
Major Diagnostic/Imaging - Office Major Diagnostic/Imaging - Hospital Pharmacy/Rx – Retail (31 days)
100% after deductible
$200 after deductible
$200 no deductible
$200 no deductible
$10/$30/$50 after ded.
$20/$40/$60
$15/$35/$50
Pharmacy/Rx – Mail Order (90 days)
$25/$75/$125 after ded.
$50/$100/$150
$38/$88/$125
Max Out of Pocket
$6,550/$13,100 (with ded.) $7,900/$15,800 (with ded.) $7,150/$14,300 (with ded.)
OUT OF NETWORK
Deductible
$6,000 Ind./$12,000 Fam.
$10,000 Ind./$20,000 Fam.
$5,000 Ind./$10,000 Fam.
Coinsurance
50% after deductible
50% after deductible
50% after deductible
Out of Pocket (with ded.)
$10,000 Ind./$20,000 Fam. $15,000 Ind./$30,000 Fam. $10,000 Ind./$20,000 Fam.
* Participating laboratories are LabCorp and Quest Diagnostics
The above plan summaries are illustrative. Always check your Cigna benefit summaries and certificates of coverage for final detailed plan information.
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Cigna
EMPLOYEE CONTRIBUTIONS
Cigna HSA BRONZE ($1,100 Employer Contribution)*
Pre-Tax Monthly Contributions
Pre-Tax Per Pay Period
Employee
$136.34
$62.93
Employee + Spouse
$801.62
$369.98
Employee + Child(ren)
$536.75
$247.73
Family
$1,125.31
$519.37
Cigna PPO SILVER
Pre-Tax Monthly Contributions
Pre-Tax Per Pay Period
Employee
$188.85
$87.16
Employee + Spouse
$886.64
$409.22
Employee + Child(ren)
$608.81
$280.99
Family
$1,226.18
$565.93
Cigna PPO GOLD
Pre-Tax Monthly Contributions
Pre-Tax Per Pay Period
Employee
$380.15
$175.45
Employee + Spouse
$1,314.58
$606.73
Employee + Child(ren)
$942.52
$435.01
Family
$1,769.23
$816.57
*VPP contributes $42.31 on a biweekly basis into an HSA if you enroll in the Bronze HDHP Plan
10
Telemedicine
VIRTUAL VISITS Access to care online at anytime
Use virtual visits when:
• Your doctor is not available
When you don’t feel well or your child is sick, the last thing you want to do is leave the comfort of home to sit in a waiting room. Now you don’t have to. A virtual visit lets you see and talk to a doctor from your mobile device or computer without an appointment. Most visits take about 10 – 15 minutes and doctors can write a prescription*, if needed, that you can pick up at your local pharmacy.
• You become ill while traveling
• You are considering visiting a hospital emergency room for a non-emergency health condition
Not good for:
• Anything requiring an exam or test
• Complex or chronic conditions
• Injuries requiring bandaging or sprains/broken bones
Conditions commonly treated through a virtual visit
Access virtual visits
Doctors can diagnose and treat a wide range of non-emergency medical conditions, including:
Log in to myCigna.com. to access MDLive, Cigna’s virtual care provider. After registering and requesting a visit you will pay your portion of the service costs according to your medical plan, and then you will enter a virtual waiting room. During your visit you will be able to talk to a doctor about your health concerns, symptoms and treatment options.
• Bronchitis • Fever
• Cold/flu • Migraine/ headaches
• Rash • Pink eye
• Sinus problems • Sore Throat
• Stomach Ache/Diarrhea • Bladder infection/ Urinary tract infection
To learn more, login to myCigna.com®
10
11
Register Online
EASY TO REGISTER. EASY TO USE.
• Find in-network doctors and medical services
1. Launch the myCigna App or go to myCigna.com and select “Register Now”
• Manage and track claims
2. Enter your personal information
• See cost estimates for medical procedures
3. Confirm your identity
• Compare cost and quality information for doctors and hospitals
4. Create your security information and provide your primary email address for enhanced security protection and notifications
• Access a variety of health and wellness tools and resources
5. Review, then select “Submit”
• Sign up to receive alerts when new plan documents are available
Download the myCigna ® App and access your account with just a fingerprint on any compatible device.
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Mail Order Pharmacy
In these challenging times, employers are
Home delivery from Express Scripts Pharmacy®, Cigna's home delivery pharmacy, offers convenience and peace of mind with:
looking for new ways to keep their employees
safe and healthy. Cigna can help you find the
right solutions, all while keeping drug costs more
• Up to 90 days of maintenance medicine sent right to your door
affordable. Home delivery is a safe and easy way
to get the prescriptions you need every day. And
• 24/7 personalized pharmacy support
it’s a solution that also can help save money and
• Condition-focused medication coaching
improve your health.
• Easy and accurate pharmacy tracking through the • myCigna® website or app
Cost savings
• Refill reminders and automatic refills
You may pay less for your medication with a three month supply through Express Scripts Pharmacy®,.
• Extended Payment Plan for three smaller payments
• Personalized help transitioning to home delivery
Convenience Up to 90 days of maintenance medicine sent right
to your door
24/7 access and reminders Speak to a pharmacist who can answer your questions any time, any day.
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Health Care Management
Cigna One Guide ® Cigna One Guide service helps you make smarter, informed choices and get health- related recommendations based on what matters most to you. It’s our highest level of support that combines the ease of a powerful app, the web, and personal service via phone or live chat. One Guide personal support, tools and reminders can help you stay healthy and save money. Help from your One Guide team is always just a phone call or click away.
• Know your coverage and how it works • Get answers to your health care or plan questions
Understand your plan
• Find an in-network doctor, lab or urgent care center • Connect with health coaches and more • Stay on track with appointments and preventive care • Take advantage of dedicated one-on-one support for complex health situations
Get care
• Maximize your benefits • Get cost estimates and service comparisons to avoid surprises • Check claim activity to manage expenses
Save and earn
Once you have enrolled, start using the Cigna One Guide service by downloading the enhanced myCigna ® App, by phone or live chat by registering on myCigna.com ® .*
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Where to Seek Care
WHERE TO SEEK CARE
Feeling sick and not sure where to go? VPP has provided you with a number of options on where to seek care. Below are some examples of where you can seek care at the best value to you!
Teladoc
Primary Care Center
When would I use this? . Your primary doctor knows you and can provide routine care, and manage your medications. What type of care do they provide? ✓ Routine checkups ✓ Immunizations ✓ Preventive Services ✓ Manage general health What are the costs and time considerations? **
When would I use this? You need care for minor illnesses and ailments but would prefer not to leave home. What type of issues do they treat? ✓ Cold & flu symptoms ✓ Allergies ✓ Bronchitis ✓ Urinary tract infection ✓ Sinus problems
What are the costs and time considerations? **
✓ Access to care is usually immediate. ✓ Some states may not allow for prescriptions through telemedicine or virtual visits.
✓ Requires a copay and/or coinsurance. ✓ Appointment is needed
Do Your Homework What may seem like an urgent care center could actually be a standalone ER. These newer facilities come with a higher price tag, so ask for clarification if the word emergency appears in the company name.
Urgent Care Center
Emergency Room When would I use this?
When would I use this? You need care quickly, but it is not a true emergency. Urgent care centers offer treatment for non -life-threatening injuries or illnesses.
You need immediate treatment for a serious life-threatening condition.
What type of issues do they treat?* ✓ Heavy bleeding
What type of issues do they treat?* ✓ Strains, sprains ✓ Minor broken bones ✓ Minor infections
✓ Spinal injuries ✓ Severe head injury ✓ Broken bones
✓ Chest pain ✓ Major burns
✓ Minor burns ✓ X-rays
What are the costs and time considerations?** ✓ Often requires a much higher copay and/or coinsurance. ✓ Open 24/7 but waiting periods may be longer because patients with life-threatening emergencies will be treated first.
What are the costs and time considerations?**
✓ Often requires a copay and/or coinsurance. ✓ Walk-in patients welcome but appointments can be made
15
Dental Plan Options
Receiving regular dental care can not only catch minor problems before they become major and expensive to treat – it may even help improve your overall health.
Savings are greater when you visit an In-Network provider because Principal’s contracted dentists have agreed to provide care at a negotiated rate.
Search for participating dentists here: www.principal.com/dentist
Principal PPO Low Plan PPO Low was designed to help you and your family maintain oral health and reduce your out-of-pocket costs, and simple to use. Principal PPO High Plan Similar to the low plan, but with a higher maximum, and the inclusion of orthodontia for dependents. This plan covers out of network dentistry more as well.
• Three easy steps to get started • Can be used for dental, vision, disability and life coverages • Use your phone or tablet • Serves as a mobile ID card for Dental
Mobile App
1 Download Principal Mobile from the App Store or Google Play
3 Go to the Group Insurance section
2 Log in. Use the
same username and password you use on principal.com
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Principal Dental
Eligibility:
First day of the month after 30 days of employment. Full-time staff only (minimum of 30 hours a week)
PPO LOW
PPO HIGH
In-Network
Out-of-Network*
In-Network
Out-of-Network*
$0
$300
$50
$50
Annual Individual Deductible
$0
$300
$150
$150
Annual Family Deductible
100% Coinsurance
50% Coinsurance after deductible
100% Coinsurance no deductible
100% Coinsurance no deductible 80% Coinsurance after deductible 50% Coinsurance after deductible
Preventative Care
30% Coinsurance after deductible
80% Coinsurance after deductible
80% Coinsurance
Basic Procedures
50% Coinsurance after deductible
40% Coinsurance
25% Coinsurance after deductible
Major Procedures
$1,000 per person
$2,000 per person
Calendar Year Max Benefit
N/A
N/A
$1,500 lifetime maximum for dependents up to age 19
Orthodontia
* Additional employee payment responsibility known as ‘Balance Billing’ applies to all out of network services
PPOLOW PRE-TAXCOSTS
PPOHIGHPRE-TAXCOSTS
Monthly Cost
Per Pay Period
Monthly Cost
Per Pay Period
$14.20
$6.55
$39.63
$18.29
Employee
$27.92
$12.89
$73.17
$33.77
Employee + Spouse
$39.37
$18.17
$106.43
$49.12
Employee + Child(ren)
$53.21
$24.56
$147.97
$68.29
Family
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VVi si si oi onnPPl al na n
Principal has one of the largest networks of private practicing optometrists, ophthalmologists, and opticians. In addition to the vision plan benefits provided through your benefits program, Principal offers a number of non- covered services at a discount. Principal makes it easy. They are designed around their members, so they want to make it easy for you to use your benefits.
VISION COVERAGE:
Eligibility:
First day of the month after 30 days of employment. Full-time staff only (minimum of 30 hours a week)
Item
In Network
Out of Network
Annual Exam
$10 copay every 12 months
$45 allowance
Single Lense
$25 every 12 months
$30 allowance
Bifocal Lense
$25 every 12 months
$50 allowance
Trifocal Lense
$25 every 12 months
$65 allowance
Frames
$150 + 20% off balance every 24months
$70 allowance
Elective Contacts
$150
$105 allowance
Necessary Contacts
$25 per 12 months
$210 allowance
PRE-TAXCOSTS
Monthly Cost
Per Pay Period
Employee
$6.94
$3.20
Employee + Spouse
$12.91
$5.96
Employee + Child(ren)*
$13.49
$6.23
Family
$20.77
$9.59
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Life and AD&D
New hires can enroll up to the guaranteed issue amounts listed in the chart below. Any amount beyond the guaranteed issue amount requires Evidence of Insurability (EOI). At Open Enrollment, employees may make certain increases annually without EOI up to the amounts below.
Voluntary term life insurance you can purchase
Annual Open Enrollment Increase (No Statement of Health Required)
Guaranteed Issue
Minimum
Maximum
(New Hires Only)
$10,000
$200,000
$20,000
$500,000
You
$5,000
$40,000
$10,000
$100,000
Your spouse
$5,000
All amounts
$5,000
$20,000
Your children
Benefits reduce starting at age 65.
VOLUNTARYTERMLIFE MONTHLYRATEPER$10,000
Age 1
Spouse
Employee.
$1.09
$1.09
29 & Under
$1.22
$1.22
30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69
$1.74
$1.74
$2.46
$2.46
$3.58
$3.58
$5.69
$5.69
$8.97
$8.97
$13.52
$13.52
$14.82
$14.82
$20.43
$20.43
70 & Over
1 Age band changes are applied on the date of VPP’s policy anniversary (7/1) 2 The spouse is charged based upon his/her individual age on policy anniversary 3 Your spouse can not elect life insurance if you (employee) choose not to
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Life and AD&D
Enroll now, increase coverage later
• Can increase coverage annually - even skipping year(s) if you choose
•
Buy up to maximum amount of contract
• No proof of insurance up to the guarantee issue amount
Additional life benefits
• Accelerated benefits if you become terminally ill (Tax consequences may result. Eligibility for public assistance may be affected. Consult your tax advisor.) • Waiver of premium if you become disabled • Ability to take your coverage with you, if you leave your company • Accidental Death & Dismemberment coverage
Will & legal document center
Free online resources:
•
Draft legal documents
•
Create a personal organizer
•
View estate planning information
• Access identity theft prevention and victim action kit
The use of the service provided by ARAG ® Services, LLC should not be considered a substitute for consultation with an attorney. Principal Life Insurance Company is not responsible for any loss, injury, claim, liability, or damages related to the use of the ARAG Will & Legal Document Center. ARAG is not a member of the Principal Financial Group®. This service is not a part of the insurance contract and may be changed or cancelled at any time.
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Short-Term Disability
This benefit is paid for 100% by VPP. There is no cost to you, the employee.
VPP provides employees with group short-term coverage for those unexpected situations that may keep you from performing the daily responsibilities of your job. Your disability plan is available to help supplement your income when you are not able to continue employment for a certain period of time. Short-term disability benefits may be reduced by benefits received from state disability or temporary worker’s compensation programs. Total benefits received from the policy, state disability, temporary worker’s compensation programs and employers’ Paid Time Off pay may not exceed 100% of your income prior to your disability.
ELIGIBILITY
Job Class
All Members
All active, full time employees (except seasonal, temporary, or contract workers) who work at least 30 hours per week BENEFITS PAYABLE
Eligible Members
Primary Weekly Benefit
50% of your pre-disability earnings up to $1,000 Primary Weekly Benefit less other income sources
Benefit Amount
Definition of Earnings
Base wage BENEFIT QUALIFICATION
Elimination Period
Benefits begin on the 8th day for accident and 8th day for sickness
Benefit Payment Period
Up to 12 weeks after the elimination period is satisfied
Maternity
Treated the same as any other disability ADDITIONAL BENEFITS 5% increase in the primary weekly benefit LIMITATIONS & EXCLUSIONS
Rehabilitation Incentive Benefit
Other Limitations
There are additional limitations to your coverage. A complete list is included in your booklet.
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Guardian Worksite Benefits
First day of the month after 30 days of employment. Open to all employees (full-time and part-time).
Eligibility:
ACCIDENT INSURANCE
Designed to supplement your employer sponsored health coverage, Accident Insurance pays specific benefit amounts for expenses resulting from covered non work-related injuries or accidents. Hospitalization, physical therapy, intensive care, transportation, and lodging are some of the out-of-pocket expenses covered by this plan. Coverage is available through Guardian for you, your spouse and/or your children.
CRITICAL ILLNESS INSURANCE
Critical Illness insurance can help supplement major medical coverage by helping you pay the direct and indirect costs associated with a critical illness or event. Coverage includes heart attack, stroke, major organ transplant (for recipient), and kidney failure. The coverage also includes an annual preventive health screening benefit. Preexisting condition rules apply. Coverage is available for you or your spouse. All children in the family are covered at 25% of the employee’s benefit at no additional cost. • Employee benefit amount is $10,000 increments to a max of $30,000. • Spouse benefit amount is $5,000 increments to a max of $15,000 (not to exceed 50% of employee amount). • Child benefit amount is 25% of employee’s amount.
HOSPITAL INDEMNITY INSURANCE
Hospital Indemnity is available to supplement your income in the event of a hospital stay due to illness or injury. Hospital Indemnity insurance benefit payments are made directly to you, no matter what other coverage you may have, and may be used however you choose. This benefit provides a lump sum payment for out-of-pocket healthcare costs or other household expenses that can occur during a hospital stay. You are eligible for this benefit up to age 70 and can elect it to cover you, your spouse and/or your children.
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Commuter Benefits
VPP has set up a plan that lets you set aside pre-tax dollars to pay for qualified employment-related transportation and commuter parking expenses. To participate in the plan, you simply estimate your qualified transportation expenses for the year and enroll online, indicating your estimated monthly expense(s). This amount may be changed on a monthly basis. There is a monthly limit of $300 for transit and $300 for parking for calendar year 2023.
• Qualified Parking: Expenses for parking at or near your hospital premises or parking at or near a location from which you commute to work by mass transit, vanpooling, carpool, etc.
• Transit Passes and Vanpooling: Expenses for any pass, fare card or similar item that entitles you to transportation on a mass transit system to and from work or for the cost of transportation between your place of residence and place of employment in a commuter vehicle that has a seating capacity of 6 persons or more (not including the driver) where at least 80% of the mileage used for the year is for the purpose of transporting employees to their place of employment. Common eligible expenses include public transportation such as train, bus, monorail, streetcar, subway, ferry and Amtrak. • Accessing Your Funds: There are a few ways you can access your commuter funds. You can use your benefits debit card to pay providers directly at the time of service from your transit and/or parking account. If a transit or parking facility does not accept debit card payments, you can pay out of pocket and submit a reimbursement request through the Benefits Mobile App by Discovery Benefits or your online account.
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401(k)
VPP encourages you to accumulate savings for retirement through convenient 401(k) pre-tax and Roth (after- tax) payroll deductions. As a full time or part time employee, you are eligible to participate in the 401(k) plan on the first pay period of a calendar quarter (Jan 1, April 1, July 1, Oct 1) after you have completed 90 days of service. For example: If you started on January 20, you would be eligible on the first pay period after July 1st. Since your 90 th day of employment would fall on April 20, you would miss the April 1 deadline and be eligible starting on the next calendar quarter, which would be July 1. New hires are automatically enrolled in the plan with a 3% pre-tax contribution; however, you may make changes at any time. By logging into the Principal, you may modify the auto-enrollment percentage to a higher/lower percentage or flat-dollar amount, and/or enroll in Roth contributions. You can also update your investment funds any time. You may allocate a portion of your pay (from 1% to 100%) into the plan up to the maximum amounts set by the IRS. Those who are 50 years of age or older are also eligible to make “catch - up” contributions. For 2022, the annual IRS maximum for employee contributions is $19,500 and $6,500 for catch-up.
A ll of your individual contributions are immediately 100% vested.
Years of Service
Vested Percent
0
0%
1
20%
*Please note: the hire date or vesting is based on the employee’s hire date with the hospital and not when they partnered with VPP
2
40%
3
60%
4
80%
5 or more
100%
VPP offers 100% employer match on the first 1% of your contributions and 50% match from 1% up to 6% of your contributions. The maximum match is 3.5% if you contribute 6%.
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Talkspace
25
Ginger
Incredible mental healthcare for everyone .
Easy access to care — no matter where you are, when you need it, or what you’re going through.
Ginger offers confidential mental healthcare through behavioral health coaching via text-based chats, self-guided learning activities and content, and, if needed, video-based therapy and psychiatry. Support is available anytime (we’re serious about 24/7/365), anywhere (we go where your phone goes), for a variety of mental health challenges you may be struggling with — all from the privacy of your smartphone.
Video therapy & psychiatry appts. within hours
Real-time behavioral health coaching within 60 seconds
Personalized, clinically-validate skill-building activities
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Ginger
Getting started with Ginger: A sign-up guide for Ginger
27
Supportlinc / Curalinc
Emotional wellbeing and work-life balance resources
At some point in our lives, each of us faces a problem or situation that is difficult to resolve. When these instances arise, SupportLinc will be there to help. The SupportLinc employee assistance program (EAP) is a confidential resource that helps you deal with life’s challenges and the demands that come with balancing home and work. SupportLinc provides confidential, professional referrals and up to five (5) sessions of face-to-face counseling sessions for a wide variety of concerns, such as: Anxiety • Depression • Marriage and Relationship Problems • Grief and Loss Substance Abuse • Anger Management • Stress Financial Assistance • Legal Assistance • Family Assistance
Phone: 1-888-881-LINC (5462) Web: www.supportlinc.com
You choose how to access care
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Important Employee Notifications
Health Insurance Portability and Accountability Act of 1996 (HIPAA)
The Health Insurance Portability and Accountability Act of 1996 (HIPAA) is a federal law that addresses the privacy and security of certain individually
identifiable health information, called protected health information (or PHI). You have certain rights with respect to your PHI, including a right to see or get
a copy of your health and claims records and other health information maintained by a health plan or carrier. For a copy of the Notice of Privacy
Practices, describing how your PHI may be used and disclosed and how you get access to the information, contact Human Resources.
Women’s Health and Cancer Rights Act Enrollment Notice
If you have had or are going to have a mastectomy, you may be entitled to certain benefits under the Woman’s Health and Cance r Rights Act of 1998
(WHCRA). For individuals receiving mastectomy-related benefits, coverage will be provided in a manner determined in consultation with the attending
physician and the patient, for:
1. All stages of reconstruction of the breast on which mastectomy was performed.
2. Surgery and reconstruction of the other breast to produce a symmetrical appearance; prostheses.
3. Treatment of physical complications of the mastectomy, including lymphedema.
These benefits will be provided subject to the same deductibles and coinsurance applicable to other medical and surgical benefits provided under this
plan.
Patient Protection Notice
Your carrier generally may require the designation of a primary care provider. You have the right to designate any primary care provider who
participates in your network and who is available to accept you or your family members. Until you make this designation, your carrier may designate
one for you.
For children, you may designate a pediatrician as the primary care provider. You do not need prior authorization from your carrier or from any other
person (including a primary care provider) in order to obtain access to obstetrical or gynecological care from a health care professional in your
network who specializes in obstetrics or gynecology. The health care professional, however, may be required to comply with certain procedures,
including obtaining prior authorization for certain services, following a pre-approved treatment plan, or procedures for making referrals.
HIPAA Special Enrollment Notice
If you are declining enrollment for yourself or your dependents (including your spouse) because of other health insurance or group health plan
coverage, you may be able to enroll yourself and your dependents in this plan if you or your dependents lose eligibility for that other coverage (or if
the employer stops contributing toward your or your dependents’ other coverage). However, you must request enrollment within 30 days after your or
your dependents’ other coverage ends (or after the employer stops contributing toward the other coverage).
In addition, if you have a new dependent as a result of marriage, birth, adoption, or placement for adoption, you may be able to enroll yourself and your
dependents. However, you must request enrollment within 30 days after the marriage, birth, adoption, or placement for adoption.
Premium Assistance Under Medicaid and t he Children’s Health Insurance Program (CH IP)
If you or your children are eligible for Medicaid or CHIP and you’re eligible for health coverage from your employer, your state may have a premium
assistance program that can help pay for coverage, using funds from their Medicaid or CHIP programs. If you or your children ar en’t eligible for
Medicaid or CHIP, you won’t be eligible for these premium assistance programs but you may be able to buy individual insurance coverage through the
Health Insurance Marketplace. For more information, visit www.healthcare.gov. If you or your dependents are already enrolled in Medicaid or CHIP and you live in a State listed below, contact your State Medicaid or CHIP office to
find out if premium assistance is available.
If you or your dependents are NOT currently enrolled in Medicaid or CHIP, and you think you or any of your dependents might be eligible for either of
these programs, contact your State Medicaid or CHIP office or dial 1-877-KIDS NOW or www.insurekidsnow.gov to find out how to apply. If you
qualify, ask your state if it has a program that might help you pay the premiums for an employer-sponsored plan.
If you or your dependents are eligible for premium assistance under Medicaid or CHIP, as well as eligible under your employerplan, your employer
must allow you to enroll in your employer plan if you aren’t already enrolled. This is called a “special enrollment” opportu nity, and you must request
coverage within 60 days of being determined eligible for premium assistance. If you have questions about enrolling in your employer plan, contact the
Department of Labor at www.askebsa.dol.gov or call 1-866-444-EBSA (3272 ).
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Important Employee Notifications
If you live in one of the following states, you may be eligible for assistance paying your employer health plan premiums. The following list of states is current as of January 31, 2022. Contact your State for more information on eligibility.
ALABAMA – Medicaid
COLORADO – Health First Colorado (Colorado’s Medicaid Program) & Child Health Plan Plus (CHP+) Health First Colorado Website: https://www.healthfirstcolorado.com/ Health First Colorado Member Contact Center: 1-800-221-3943/ State Relay 711 CHP+: https://www.colorado.gov/pacific/hcpf/child-health-plan-plus CHP+ Customer Service: 1-800-359-1991/ State Relay 711
Website: http://myalhipp.com/ Phone: 1-855-692-5447
ALASKA – Medicaid
FLORIDA – Medicaid
The AK Health Insurance Premium Payment Program Website: http://myakhipp.com/ Phone: 1-866-251-4861 Email: CustomerService@MyAKHIPP.com Medicaid Eligibility: http://dhss.alaska.gov/dpa/Pages/medicaid/default.aspx
Website: https://www.flmedicaidtplrecovery.com/flmedicaidtplrecovery.com/hi pp/index.html Phone: 1-877-357-3268
ARKANSAS – Medicaid
GEORGIA – Medicaid
Website: http://myarhipp.com/ Phone: 1-855-MyARHIPP (855-692-7447)
Website: https://medicaid.georgia.gov/health-insurance-premium- payment-program-hipp Phone: 678-564-1162 ext 2131
CALIFORNIA – Medicaid
INDIANA – Medicaid
Healthy Indiana Plan for low-income adults 19-64 Website: http://www.in.gov/fssa/hip/ Phone: 1-877-438-4479 All other Medicaid Website: http://www.indianamedicaid.com Phone 1-800-403-0864
Website: Health Insurance Premium Payment (HIPP) Program
http://dhcs.ca.gov/hipp Phone: 916-445-8322 Email: hipp@dhcs.ca.gov
MONTANA – Medicaid
IOWA – Medicaid and CHIP (Hawki)
Medicaid Website: https://dhs.iowa.gov/ime/members Medicaid Phone: 1-800-338-8366 Hawki Website: http://dhs.iowa.gov/Hawki Hawki Phone: 1-800-257-8563
Website: http://dphhs.mt.gov/MontanaHealthcarePrograms/HIPP Phone: 1-800-694-3084
KANSAS – Medicaid
NEBRASKA – Medicaid
Website: http://www.kdheks.gov/hcf/default.htm Phone: 1-800-792-4884
Website: http://www.ACCESSNebraska.ne.gov Phone: 1-855-632-7633 Lincoln: 402-473-7000 Omaha: 402-595-1178
KENTUCKY – Medicaid
NEVADA – Medicaid
Medicaid Website: http://dhcfp.nv.gov Medicaid Phone: 1-800-992-0900
Kentucky Integrated Health Insurance Premium Payment Program (KI-HIPP) Website: https://chfs.ky.gov/agencies/dms/member/Pages/kihipp.aspx Phone: 1-855-459-6328 Email: KIHIPP.PROGRAM@ky.gov
KCHIP Website: https://kidshealth.ky.gov/Pages/index.aspx Phone: 1-877-524-4718
Kentucky Medicaid Website: https://chfs.ky.gov
LOUISIANA – Medicaid
NEW HAMPSHIRE – Medicaid
Website: www.medicaid.la.gov or www.ldh.la.gov/lahipp Phone: 1-888-342-6207 (Medicaid hotline) or 1-855-618-5488 (LaHIPP)
Website: https://www.dhhs.nh.gov/oii/hipp.htm Phone: 603-271-5218 Toll free number for the HIPP program: 1-800-852-3345, ext 5218
30
Important Employee Notifications
MAINE – Medicaid
NEW JERSEY – Medicaid and CHIP
Medicaid Website: http://www.state.nj.us/humanservices/ dmahs/clients/medicaid/ Medicaid Phone: 609-631-2392 CHIP Website: http://www.njfamilycare.org/index.html CHIP Phone: 1-800-701-0710
Enrollment Website: https://www.maine.gov/dhhs/ofi/applications- forms Phone: 1-800-442-6003 TTY: Maine relay 711
Private Health Insurance Premium Webpage: https://www.maine.gov/dhhs/ofi/applications-forms Phone: -800-977-6740.
MASSACHUSETTS – Medicaid and CHIP
NEW YORK – Medicaid
Website: http://www.mass.gov/eohhs/gov/departments/masshealth/ Phone: 1-800-862-4840
Website: https://www.health.ny.gov/health_care/medicaid/ Phone: 1-800-541-2831
MINNESOTA – Medicaid
NORTH CAROLINA – Medicaid
Website: https://medicaid.ncdhhs.gov/ Phone: 919-855-4100
Website: https://mn.gov/dhs/people-we-serve/children-and-families/health- care/health-care-programs/programs-and-services/other- insurance.jsp Phone: 1-800-657-3739
MISSOURI – Medicaid
NORTH DAKOTA – Medicaid
Website: http://www.dss.mo.gov/mhd/participants/pages/hipp.htm Phone: 573-751-2005
Website: http://www.nd.gov/dhs/services/medicalserv/medicaid/ Phone: 1-844-854-4825
OKLAHOMA – Medicaid and CHIP
UTAH – Medicaid and CHIP
Website: http://www.insureoklahoma.org Phone: 1-888-365-3742
Medicaid Website: https://medicaid.utah.gov/ CHIP Website: http://health.utah.gov/chip Phone: 1-877-543-7669
OREGON – Medicaid
VERMONT – Medicaid
Website: http://healthcare.oregon.gov/Pages/index.aspx http://www.oregonhealthcare.gov/index-es.html Phone: 1-800-699-9075
Website: http://www.greenmountaincare.org/ Phone: 1-800-250-8427
PENNSYLVANIA – Medicaid
VIRGINIA – Medicaid and CHIP
Website: https://www.coverva.org/hipp/ Medicaid Phone: 1-800-432-5924 CHIP Phone: 1-855-242-8282
Website: https://www.dhs.pa.gov/providers/Providers/Pages/Medical/HIPP- Program.aspx Phone: 1-800-692-7462
RHODE ISLAND – Medicaid and CHIP
WASHINGTON – Medicaid
Website: http://www.eohhs.ri.gov/ Phone: 1-855-697-4347, or 401-462-0311 (Direct RIte Share Line)
Website: https://www.hca.wa.gov/ Phone: 1-800-562-3022
SOUTH CAROLINA – Medicaid
WEST VIRGINIA – Medicaid
Website: https://www.scdhhs.gov Phone: 1-888-549-0820
Website: http://mywvhipp.com/ Toll-free phone: 1-855-MyWVHIPP (1-855-699-8447)
SOUTH DAKOTA - Medicaid
WISCONSIN – Medicaid and CHIP
Website: http://dss.sd.gov Phone: 1-888-828-0059
Website: https://www.dhs.wisconsin.gov/publications/p1/p10095.pdf Phone: 1-800-362-3002
TEXAS – Medicaid
WYOMING – Medicaid
Website: http://gethipptexas.com/ Phone: 1-800-440-0493
Website: https://wyequalitycare.acs-inc.com/ Phone: 307-777-7531
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