PAGE 2 KICK YOUR TOBACCO HABIT Earn A Credit On Your 2023 Medical Premium
SUMMER 2022
Center” from the “Managing Your Health” dropdown menu. From there, you have access to a number of activities that can help you quit your tobacco habit. Associates can also call 1-866-495-9806 to speak with a BlueCross BlueShield customer representative. Additional help can be found at BCBST.com or by calling the CDC’s free National Tobacco Quitline: 1-800-QUIT-NOW (1-800-784-8669) . TIPS TO STOP • Schedule an appointment with your doctor to discuss treatment options. • Find a stress-free day to quit and stick with it. • Tell your friends and family for extra support. • Join a quit smoking group, online or in person. • Switch your habit with exercise. Short bursts of activity can help cravings. W m
Breaking free from nicotine dependence is not the only reason to quit smoking and vaping. Cigarette and vape smoke contains more than 7,000 toxic chemicals that can cause serious health problems, numerous diseases and death. Your BlueCross BlueShield benefits offer free programs that provide medications and support to help you kick the habit for good. Plus, being tobacco-free saves you money on your weekly benefits premiums! Associates who are tobacco-free receive a weekly discount of $12 on their insurance benefits – that adds up to more than $600 per year! Become tobacco-free or participate in a cessation program at least 31 days prior to enrollment to qualify for Tobacco Credits that can lower your premium. To take part in a tobacco cessation program, log on to BCBS. com and choose “Member Wellness
BE PREPARED WITH VOLUNTARY BENEFITS Colonial Life & Unum Insurance Available To Associates
In addition to medical, vision and dental coverage, you also have the option to select various voluntary benefits, including life, accident and critical illness insurance. These options are available through both the online and telephone enrollment processes.
Voluntary benefits offered by
Voluntary benefits offered by
VOLUNTARY LIFE AND AD&D
TYPE OF INSURANCE
$10,000 up to $750,000 or 5x annual earnings, whichever is less $5,000 to $100,000 for spouse (cannot exceed associate’s amount); $10,000 per child (age 14 days to 26 years)
Provides benefits for injuries resulting from covered accidents such as fractures, burns and lacerations as well as for doctor’s office or emergency room visits, ambulance charges, X-rays and physical therapy. Helps offset the covered out-of-pocket medical and indirect, nonmedical expenses related to cancer, to include benefits for diagnosis and treatment. This coverage also provides a benefit for specified cancer- screening tests. Supplements your major medical coverage by providing a lump-sum benefit that you can use to pay the direct and indirect costs related to a covered critical illness, such as heart attack (myocardial infarction), end- stage renal failure, coronary artery bypass surgery, stroke or major organ transplant. Provides an annual health screening benefit for covered tests. Cancer benefit is optional at an additional cost.
ASSOCIATE LIFE
ACCIDENT INSURANCE
DEPENDENT LIFE
CANCER INSURANCE
Amount equal to Voluntary Life coverage
ASSOCIATE AD&D
Amount equal to Dependent Voluntary Life coverage
DEPENDENT AD&D
CRITICAL ILLNESS INSURANCE
VOLUNTARY LONG-TERM DISABILITY
After 26 weeks of disability
BENEFITS BEGIN
Associates can enroll in voluntary
HOSPITAL CONFINEMENT INDEMNITY INSURANCE
Provides a lump-sum benefit for a covered hospital confinement or a covered outpatient surgery to help cover copayments and deductibles that are not covered by most major medical plans.
Up to 60% of your base pay (to a maximum of $5,000 per month)
PLAN PAYS
benefits offered by both Colonial Life and Unum during October’s open enrollment. W m
Provides death benefit coverage that you can increase or decrease as your needs change. The policy builds cash value on a tax-deferred basis at current interest rates, and premium payments are flexible.
Up to age 65 (or your Social Security normal retirement age) as long as you remain totally disabled
WHOLE LIFE INSURANCE
BENEFITS CONTINUE
Wellness Matters 2022 • BENEFITS ADMINISTRATION: 800.233.9944 / Option 3 • averittbenefits@averittexpress.com
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