2024 FEAM Benefits Guide PDF

BENEFITS AT A GLANCE PLAN YEAR 2024- 2025 Benefits at a glance FEAM P i c k t h e b e s t b e n e f its f o r y o u a n d y o u r f a mily. FEAM strives to...

BENEFITS AT A GLANCE PLAN YEAR 2024- 2025 Benefits at a glance FEAM P i c k t h e b e s t b e n e f its f o r y o u a n d y o u r f a mily. FEAM strives to provide you and your family with a comprehensive and valuable benefits package. We want to make sure you’re getting the most out of our benefits—that’s why we’ve put together this Benefits at a glance guide. Open enrollment is a short period each year when you can make changes to your benefits. This guide will outline all of the different benefits FEAM offers, so you can identify which offerings are best for you and your family. Elections you make during Open Enrollment will become effective on July 1, 2024. If you have questions about any of the benefits mentioned in this guide, please schedule a one-on-one benefit appointment with one of our dedicated Enrollers. About This Summary This summary describes the benefits available to you as a benefit eligible employee of F.E.A.M. This guide is meant as a summary and does not contain all the details of each plan or policy, notably limitations and exclusions. If there is ever a question about one of these plans or policies, or if there is a conflict between information in this summary and the official plan or policy documents, the formal wordings in those documents will govern. These benefits may be changed at any time and do not represent a contractual obligation on the part of F.E.A.M. Benefits at a glance FEAM W e l c ome t o O p e n E n r ollme nt W ho is e ligible ? If you’re a full-time employee at FEAM and have worked at least 60 days, you’re eligible to enroll in the benefits outlined in this guide. Full-time employees are those who work 30 or more hours per week. In addition, dependents are eligible for most plans. Speak with HR if you have questions about coverage for your dependents. How to E nroll Are you ready to enroll? The first step is to review your current benefits. Did you move recently or get married? Verify all of your personal information and make any necessary changes. Once all your information is up to date, it’s time to make your benefit elections. The decisions you make during your benefit enrollment can have a significant impact on your healthcare and finances, so it is important to weigh your options carefully. When to E nroll Benefits for new hires are effective the first of the month following 60 consecutive days of employment. Open enrollment is annually in June and the benefits you choose during open enrollment will become effective on July 1. *This year we will be having a “Active Enrollment”. This means you MUST go into Paylocity to make your 2024 benefit elections. How to M ake C hanges Unless you experience a life-changing qualifying event, you cannot make changes to your benefits until the next open enrollment period. Qualifying events include things like: Marriage, divorce, or legal separation Birth or adoption of a child Change in child’s dependent status Death of a spouse, child, or other qualified dependent Change in residence Change in employment status or a change in coverage under another employer-sponsored plan 3 Benefits at a glance FEAM H e a lt h I n s ura nce FEAM’s Medical plans offered through UMR and provide a great deal of flexibility for you to manage the care for you and your family. All plans include preventive services covered 100%. We are extremely excited to announce our partnership with Garner Health! Garner is a free, innovative search tool that is designed to help you and your family find the top 20% of medical providers within the UMR network. When you see Garner recommended providers, Garner will reimburse your out of pocket costs for eligible expenses such as copays, prescriptions, lab work, and more. Garner will reimburse up to $3,000 for those with individual coverage and up to $6,000 for those enrolled in family plans. Medical UMR EPO UMR PPO Plan Features Basic Plan Enhanced Plan In-Network In-Network Calendar Year Deductible (CYD) $4,500 Individual / $9,000 Family $2,000 Individual / $4,000 Family Coinsurance UMR = 80% / Member = 20% UMR = 100% / Member = 0% Preventive Care Services Covered 100% Covered 100% Physician Office Visit $30 copay $15 copay Specialist Office Visit $50 copay $30 copay Open Access Open Access Inpatient Hospital 80% after deductible 100% after deductible Physician Services at 80% after deductible 100% after deductible Hospital/ER Out-Patient Surgery 80% after deductible $250 copay Out-Patient Major Diagnostic Outpatient Facility: no charge Outpatient Facility: no charge Hospital: 80% after deductible Hospital 100% after deductible Emergency Room $350 copay $150 copay Urgent Care Center $75 copay $75 copay Prescription Drugs Rx Deductible N/A N/A Retail (30 day supply) $15 / $40 / $75 / $200 $10 / $25 / $50 / $200 Mail Order (90 day supply) 2X 2x Out of Pocket Maximum $8,350 Individual $5,000 Individual $16,700 Family $10,000 Family Lifetime Maximum Unlimited Unlimited Out-of-Network Out-of-Network Out-of-Network Deductible N/A $4,000 Individual N/A $8,000 Family Out-of-Network ER $350 copay $150 copay All Other Out-of-Network N/A 60% after Out-of-Network CYD Services Out of Network Out of Pocket N/A $8,000 Individual Maximum N/A $12,000 Family  How to Enroll in Benefits Available Meeting Dates: June 10th - June 21st Look for a text & email Click on the link provided to visit our easy-to-use mobile app. Book your meeting Use the mobile app or the QR code on this page to pick a convenient date and time. We'll call you At the date and time you choose, we'll reach out and help you complete your enrollment in a jiffy. Scan to get started! How to effectively prepare for your enrollment Review your benefits info to become familiar with options. Use the mobile app or the QR code on this page to pick a convenient date and time. To enroll yourself, click this icon in the app. Have important details handy such as your login information and beneficiary information. Get access to the top 20% of doctors You’ll get reimbursed for your out-of-pocket medical costs when you see them. Create a Garner account. Then, use the Garner Health app or website to search for the very best doctors in your area. These Top Providers are automatically added to your list of approved providers as soon as they are visible on your screen. Once Top Providers are on your list of approved providers, you can get reimbursed for qualifying* out-of-pocket costs. Top Provider Top Providers have shown to: Practice based on the latest Get the highest patient medical research satisfaction ratings Successfully diagnose problems Produce the best patient outcomes Garner analyzes the largest medical claims dataset in the U.S. to objectively evaluate doctor performance. The Garner Health app gives 75% you information on high-quality Access to commercial, doctors in your network, with Medicare & Medicaid claims Clearinghouses appointment availability. Employers Insurance companies Unique third-party OF CLAI MS DATA All payer claims databases partnerships ACROSS THE UNITED STATES 60+ Billion Medical records 310+ MillionUnique patients represented Supplemented by the new healthcare transparency data that contains over ©2023 Garner Health Technology, Inc. 1,000 Terabytes of data across all major insurers Recommendations are based solely on independent analysis, not commissions or fees. Garner has no financial relationships with doctors. * Your out-of-pocket medical costs will qualify for reimbursement if: Create account You have created a Garner account and added the provider to your list of approved providers prior to the date of service. Your provider is in-network and the cost was covered by your health insurance plan. (Check your health insurance plan.) The type of cost qualifies for reimbursement under your Garner plan. Depending on your Garner plan, costs for things like prescription WG-1FM-8-1-23 drugs or emergency services may or may not qualify for reimbursement. (Check the “Your benefit” page in the Garner Health app to learn more.) If your health insurance plan is paired with an HSA, you will need to incur costs greater than the minimum deductible. (Check the “Your benefit” page in the Garner Health app to see if this requirement applies.) Questions? Message the Concierge through the Garner Health mobile app, online at getgarner.com or email [email protected]. Go to garner.guide/begin How to create a Garner account Create your account and get access to the top 20% of doctors in your area. Create your account at garner.guide/start. Enter your Enter your full legal name Verify your identity Get started organization’s name Search for your organization’s Garner protects your personal Enter your birth date and the Once you create an account, name by entering it in the form information and will never sell last four digits of your Social you can begin searching for field. You may be presented or share it. Security number. This is for the best doctors in your area ©2023 Garner Health Technology, Inc. with a few options of similar your protection and to verify who are in-network and have names. Select the one that we have the right person. availability to see you. was recommended in your Open Enrollment session. Recommendations are based solely on independent analysis, not commissions or fees. Garner has no financial relationships with doctors. Create account Use Garner to find the very best care for you and your family. Create a Garner account at garner.guide/start CGA-5-8-1-23 or download the Garner Health mobile app from the Apple App Store or Google Play Store. Questions? Message the Concierge through the Garner Health mobile app, online at getgarner.com or email [email protected]. Go to garner.guide/start How to use Garner We’ve made the very best care more affordable! Create your account. Then find the best doctors and get reimbursed for out-of-pocket medical costs. Find doctors. Add doctors to your list Check your list. Get reimbursed. of approved providers. Costs from doctors with a Top Providers are automatically Ensure your doctor is added When you receive care from Top Provider badge qualify added to your list as soon as to this list before you see an approved provider, pay for reimbursement as long they are visible on your screen. them. Out-of-pocket medical your upfront costs as usual. as the service is in-network costs from your approved After your health insurance and covered by your health providers will qualify for company processes the claim, insurance plan. reimbursement after they Garner will reimburse your are added to your list. qualifying costs. You should receive a reimbursement check about 6-8 weeks after ©2023 Garner Health Technology, Inc. you receive the care. Garner gives you access to the most accurate provider performance data in the industry. We’ve identified the top 20% of all doctors so you’ll know you’re receiving the best care. And when you visit these Top Providers, your out-of-pocket medical costs qualify for reimbursement.* Recommendations are based solely on independent analysis, not commissions or fees. Garner has no financial relationships with doctors. * Your out-of-pocket medical costs will qualify for reimbursement if: Create account You have created a Garner account and added the provider to your list of approved providers prior to the date of service. Your provider is in-network and the cost was covered by your health insurance plan. (Check your health insurance plan.) The type of cost qualifies for reimbursement under your Garner plan. Depending on your Garner plan, costs for things like prescription UG-2F-8-1-23 drugs or emergency services may or may not qualify for reimbursement. (Check the “Your benefit” page in the Garner Health app to learn more.) If your health insurance plan is paired with an HSA, you will need to incur costs greater than the minimum deductible. (Check the “Your benefit” page in the Garner Health app to see if this requirement applies.) Questions? Message the Concierge through the Garner Health mobile app, online at getgarner.com or email [email protected]. Go to garner.guide/create Benefits at a glance FEAM D e n t a l I n s urance In addition to protecting your smile, dental insurance helps pay for dental care and usually includes regular checkups, cleanings, and X-rays. Several studies suggest that oral diseases, such as periodontitis (gum disease), can affect other areas of your body—including your heart. Receiving regular dental care can protect you and your family from the high cost of dental disease and surgery. FEAM’s dental plan is offered through Aetna. Aetna’s Freedom of Choice plan provides you the ability to choose your plan and move from DHMO and PPO month to month. Please refer to the plan summary for additional benefit details. Freedom of Choice DHMO DPPO Calendar Year Deductible N/A $100 Ind. $5 office visit copay $300 Family $5 office visit copay Type 1 – Preventative Oral Evaluation Bitewing X-rays, two films 100% deductible waived 100% deductible waived X-rays – Intraoral/Complete Series Cleanings – Adult/Child Comprehensive Oral Evaluation Space Maintainers Sealant – permanent molars only Type 2 – Basic Amalgam Restorations (Silver Fillings) Composite fillings (anterior teeth only) 100% after the deductible 80% after the deductible Scaling and root planning Gingivectomy Stainless steel crowns Uncomplicated extractions General anesthesia/intravenous sedation Crown Lengthening Type 3 – Major 60% after the deductible 50% after the deductible Root Canal Molar Osseous Surgery – 4 or more teeth Crowns Denture Repair Pontic – Porcelain fused to noble metal Partial Dentures General Anesthesia/intravenous sedation Calendar Year Maximum N/A $2,000 Orthodontics Limits 50% Not Covered Children Only The DHMO plan is not offered in Alaska, South Carolina and some select cities. If you reside in one of these locations and elect dental, you will automatically be enrolled in the DPPO plan. If you change plans (from DHMO to DPPO or DPPO to DHMO) at anytime during the plan year you must notify the HR Department. Choice 1: the DMO plan*** Choice 2: the PPO† plan Plan highlights Plan highlights Out-of-pocket costs are generally lower with this plan. Generally, this plan has higher out-of-pocket costs than the DMO plan. You need a referral to see most specialists. You can visit any licensed dentist. Typically, you have no out-of-pocket costs for preventive care. There are no deductibles or yearly dollar limits, either. No referrals are needed, ever. How the DMO plan works How the PPO plan works Cleanings and routine services For all of your care You need to choose a primary care dentist (PCD) in the Aetna Choose any licensed dentist for basic, specialty or emergency DMO network to help guide your care. Otherwise, you could care. You never need a referral. end up paying more. Family members can choose their own Pay your share for dental care. PCDs, too. --You may have a deductible. This is an amount you pay Change your PCD once a month, if you’d like. for your dental care before the plan begins to pay. Pay your copay (if you have one) at your visit. --After you meet your deductible, you may have to pay coinsurance. This is a percent of the dentist’s charge. Specialty care There may be yearly dollar limits with this plan. Your PCD refers you to network specialists when needed. Electronic referrals mean no paperwork. If you visit a dentist in the Aetna network: If you have orthodontic coverage, however, you don’t need You generally pay less. a referral. Your dentist files claims for you. Emergency care If you visit a dentist outside the network: Call your PCD if you need emergency care. And if you’re You may be charged the difference between the amount outside your covered service area, call Member Services at covered by your plan and the amount charged for the 1-877-238-6200 for help, 24 hours a day, 365 days a year. dental service. You may have to file your own claims. You can find the forms on your member website at www.aetna.com. To find dentists in the Aetna network, use our online directory at www.aetna.com. ***State laws vary with regard to out-of-network benefits. Some states allow limited benefits when you go out of network for covered services. Check your plan documents for details. In Illinois, DMO plans provide limited out-of-network benefits. However, to receive maximum benefits, members must select and have care coordinated by a participating primary care dentist. In Illinois, the DMO plan is not an HMO. In California, your dentist may refer you to out-of-network dentists for some services. Check your plan documents for details. In Virginia, the DMO plan is known as the Dental Network Only plan (DNO). DNO in Virginia is not an HMO. To receive maximum benefits, members must choose a participating primary care dentist to coordinate their care with network providers. † In Texas, the PPO plan is known as the Participating Dental Network (PDN). Benefits at a glance FEAM V i s ion I n s u rance Driving to work, reading a news article, and watching TV are all activities you likely perform every day. Your ability to do all of these activities, though, depends on your vision and eye health. Vision insurance offered through EyeMed can help you maintain your vision as well as detect various health problems. FEAM’s vision insurance entitles you to specific eye care benefits. Our policy covers routine eye exams and other procedures, and provides specified dollar amounts or discounts for the purchase of eyeglasses and contact lenses. Please refer to the plan summary for additional benefit details. Vision Plan Features Vision In-Network Out-of-Network Exam Comprehensive Exam $0 copay $40 allowance Frequency 12 months 12 months Lenses Single $0 copay $30 allowance Bifocal $0 copay $50 allowance Trifocal $0 copay $70 allowance Progressive $65 copay $0 allowance Frequency 12 months 12 months Frames Allowance $150 allowance + 20% discount on $105 allowance frame coverage over $150 Frequency 12 months 12 months Contacts Allowance $150 allowance + 15% discount on $150 allowance In Lieu of eyeglass lenses and/or Frequency frame coverage over $150 12 months frames 12 months LASIK Surgery Discount Discount available from participating providers Benefits at a glance FEAM D i s ability I n c ome B e n e f it s At FEAM, we want to do everything we can to protect you and your family. We offer full-time employees short- and long-term disability income benefits at no cost to you through Lincoln Financial. Without disability coverage, you and your family may struggle to get by if you miss work due to an injury or illness. In the event that you become disabled from a non-work-related injury or sickness, disability income benefits will provide a partial replacement of lost income. Please note, though, that you are not eligible to receive short-term disability benefits if you are receiving workers’ compensation benefits. Please refer to the plan summary for additional benefit details. Disability Plan Features Short-term Disability Long-term Disability Benefit Maximum weekly benefit of 60% of your salary up Maximum monthly benefit of 60% of your salary up to $2,000 to $10,000 Benefit Elimination Period th Benefits begin after the 7 day of accident or illness Benefits begin after 180 days of disability Benefit Duration Period Benefits continue for 24 weeks Benefits may continue up to Social Security Normal Retirement Age Benefits at a glance FEAM B a s ic L i f e I n s u rance Life insurance can help provide for your loved ones if something where to happen to you. FEAM provides full- time employees with $50,000 in group life insurance. Please refer to the plan summary for additional benefit details. FEAM pays for the full cost of this benefit—meaning you are not responsible for paying any monthly premiums. Contact HR if you would like to update your beneficiary information. Vol untary L i f e I ns urance While FEAM offers basic life insurance, some employees may want to purchase additional coverage. Think about your personal circumstances. Are you the sole provider for your household? What other expenses do you expect in the future (for example, college tuition for your child)? Depending on your needs, you may want to consider buying supplemental coverage. With voluntary life insurance, you are responsible for paying the full cost of coverage through payroll deductions. You can purchase coverage for yourself in $10,000 increments up to $500,000 and not to exceed 5 times your annual salary. If you elect coverage, you can also elect coverage for your spouse in increments of $5,000 up to $150,000 not to exceed 50% of your election amount. Dependent children can also be covered with $10,000 in coverage. If you previously declined this coverage, or are electing about the guaranteed issue amount, you will be subject to evidence of insurability. Please refer to the plan summary for additional benefit details. Voluntary Life & Employee Spouse Child(ren) AD&D Benefit Amount $10,000 Increments $5,000 increments Maximum of $10,000 Maximum of $500,000 Maximum of $150,000 (up to 5 time salary) (not to exceed 50% of employee election) Guaranteed Issue $200,000 when first eligible $30,000 when first eligible $10,000 when first eligible (up to 5 times salary) (not to exceed 50% of employee election) Benefits at a glance FEAM S u p p le men tal I n s u rance These supplemental policies are being offered through Lincoln Financial. Both policies have premiums which are locked in for the life of the policy, and are portable, if you change employment. Please refer to the plan summary for additional benefit details for the below plans. Ac c ide nt I ns urance Accidents can happen anytime, anywhere. Accident insurance from Lincoln Financial Group can help protect you, your spouse, and your children from the unexpected expense of an accident. Accident insurance pays you a cash benefit for injuries resulting from an accident. Benefits correspond with the injury sustained and treatment received. Features: You are paid benefits to help you with the care and treatment of a covered accidental injury Your benefits are paid directly to you (unless you specify otherwise) You are paid benefits regardless of any other insurance you may have with other insurance companies. Your coverage is portable; you can take it with you if you change jobs or retire. C r it ical I llness I ns urance Even the best plans can be derailed when you or a loved one are diagnosed with a critical condition. Lincoln’s Critical Illness insurance can help with the unexpected costs of treatment and recovery. Features: Pays a benefit if you are diagnosed with a covered specified critical illness. Coverage is available for you and your family members. Hos pital I nsurance If you or a covered family member have to go to the hospital for an accident or injury, hospital indemnity insurance provides a lump-sum cash benefit to help you take care of unexpected expenses – anything from deductibles to childcare to everyday bills. Features: Pays a benefit if you have a hospital stay Coverage is available for you and your family members.  Pet insurance from Nationwide® Fetch the best health coverage for your pet through your voluntary benefits package. With two budget-friendly plans, there’s never been a better time to sign up for My Pet Protection®, available only through your workplace benefits program. My Pet Protection® My Pet Protection® with Wellness500 Nationwide offers two plans for you to Accidents choose from: My Pet Protection® and My Pet Protection® with Wellness500.¹ Injuries Both plans are guaranteed issuance,² Illnesses have a $250 annual deductible and Hereditary and congenital conditions include medical coverage with the Diagnostics and imaging choice of 50% or 70% reimbursement levels.³ Procedures and surgeries Wellness exams Vaccinations Flea prevention Spay or neuter And more Did you know? Nationwide is the industry-first provider of coverage for birds and exotic pets. How to use your pet insurance plan 1 Visit any vet, anywhere. 2 Submit claim. 3 Get reimbursed for eligible expenses. https://benefits.petinsurance.com/feam | 877-738-7874 Existing members can enroll in My Pet Protection® with Wellness500 during their respective renewal period only. Products and discounts not available to all persons in all states. Guaranteed issuance means any new pets enrolling into a My Pet Protection Plan are eligible for enrollment regardless of health status. Guaranteed issuance does not mean guaranteed coverage since certain exclusions could apply. These are examples of general coverage; please review plan document for specific coverages. Some exclusions may apply. Certain coverages may be excluded due to pre-existing conditions. See policy documents for a complete list of exclusions and annual limits. Nationwide is on your side Nationwide is on your side Products underwritten by Veterinary Pet Insurance Company (CA), Columbus, OH; National Casualty Company (all other states), Columbus, OH. Agency of Record: DVM Insurance Agency. All are subsidiaries of Nationwide Mutual Insurance Company. Subject to underwriting guidelines, review and approval. Products and discounts not available to all persons in all states. Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Nationwide, the Nationwide N and Eagle, Nationwide is on your side, VetHelpline® and Nationwide PetRxExpress℠ are service marks of Nationwide Mutual Insurance Company. Third party marks are the property of their respective owners. ©2024 Nationwide. 23GRP9695A What makes My Pet Protection different? My Pet Protection is available through workplace benefits programs and is guaranteed issuance.2 It also includes additional benefits like lost pet advertising, emergency boarding and more. Did you know? Nationwide is the It’s no surprise that My Pet Protection is the most paw-pular coverage plan industry-first provider of coverage from America’s #1 pet insurer.4 for birds and exotic pets. Nationwide offers more than great coverage Unlimited access to veterinary care experts Members save 10% on every visit to a Vetco Total Care Download the app and schedule a video consultation Hospital or Vetco Vaccination Clinic inside Petco anytime 24/7 No additional cost to use for Nationwide pet insurance members Save time and money by filling pet prescriptions at Vetco Total Care is a full- Vetco Vaccination Clinic participating in-store retail pharmacies across the U.S. service animal hospital offers express care for that offers everything vaccinations, flea/tick and Pharmacy submits claims directly to Nationwide from preventive care to heartworm prescriptions More than 4,700 pharmacy locations diagnostics and surgery and microchipping How pet insurance works 1 Visit any vet, anywhere. 2 Submit claim. 3 Get reimbursed for eligible expenses. Learn more today at PetsVoluntaryBenefits.com 855-874-4944 Existing members can enroll in My Pet Protection® with Wellness500 during their respective renewal period only. Products and discounts not available to all persons in all states. Guaranteed issuance means any new pets enrolling into a My Pet Protection plan are eligible for enrollment regardless of health status. Guaranteed issuance does not mean guaranteed coverage since certain exclusions could apply. These are examples of general coverage; please review plan document for specific coverages. Some exclusions may apply. Certain coverages may be excluded due to pre-existing conditions. See policy documents for a complete list of exclusions and annual limits. State of the Industry Report 2022, North American Pet Health Insurance Association. Products underwritten by Veterinary Pet Insurance Company (CA), Columbus, OH; National Casualty Company (all other states), Columbus, OH. Agency of Record: DVM Insurance Agency. All are subsidiaries of Nationwide Mutual Insurance Company. Subject to underwriting guidelines, review and approval. Products and discounts not available to all persons in all states. Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Nationwide, the Nationwide N and Eagle, Nationwide is on your side, VetHelpline® and Nationwide PetRxExpress℠ are service marks of Nationwide Mutual Insurance Company. Third party marks are the property of their respective owners. ©2024 Nationwide. 23GRP9695F Nationwide® is the industry-first provider of pet health coverage for birds and exotic pets Owners of birds, reptiles and exotic pets can get 50% or 70% reimbursement on eligible veterinary expenses with coverage from Nationwide.¹ Includes veterinary exams, surgeries, diagnostic testing, prescriptions, wellness² and more $250 annual deductible applies just once per policy term, no matter which plan you choose Use any veterinarian, anywhere Coverage available for: Amphibians Gerbils Rats Birds Guinea pigs Rabbits Chameleons Hamsters Snakes Chinchillas Iguanas Tortoises Ferrets Lizards Turtles Geckos Mice And more Call 877-738-7874 to learn about avian and Nationwide is on your exotic pet coverage from Nationwide Nationwide is on your side side Product availability may vary by state. Here’s how coverage works for common avian and exotic medical conditions³ Rabbit: Intestinal obstruction Oreo, a 9-year-old male rabbit, was Veterinary bill: $3,330 brought to the veterinarian after Nationwide reimbursed: $2,156 2,156 several days of abdominal pain, lethargy and loss of appetite. $ Owner’s net cost: $1,174 reimbursement (after $250 annual deductible He was diagnosed with an intestinal obstruction. and co-pay) Cockatiel: Excessive egg laying Sunny, a 12-year-old cockatiel, Veterinary bill: $2,332 suffered from excessive egg laying. Due to the chronic depletion of Nationwide reimbursed: $1,458 calcium to produce eggshells, she was malnourished. $ 1,458 Owner’s net cost: $874 reimbursement (after $250 annual deductible After exhausting all other treatment and co-pay) options, Sunny’s owner agreed to spay her. Bearded dragon: Gout Elliott, a 2-year-old male bearded Veterinary bill: $1,182 dragon, stopped moving and had Nationwide reimbursed: $653 enlarged, painful joints. He was diagnosed with gout. $ 653 Owner’s net cost: $529 (after $250 annual deductible His owner agreed to reimbursement hospitalization for pain and co-pay) management and supportive care. Call 877-738-7874 to learn about avian and exotic pet coverage from Nationwide Product availability may vary by state. These are examples of general coverage; please review plan document for specific coverages. Some exclusions may apply. Certain coverages may be excluded due to pre-existing conditions. See policy documents for a complete list of exclusions and annual limits. Existing members can enroll in My Pet Protection® with Wellness500 during their respective renewal period only. Products and discounts not available to all persons in all states. These examples are based on actual pet insurance claims from Nationwide members who were enrolled prior to the introduction of the new Avian & Exotic Pet plan. Nationwide is on your Their claims were reimbursed according to the plan in which each respective member was enrolled at the time. Amounts shown here reflect how reimbursement would be calculated with the Avian & Exotic pet plan with a 70% reimbursement and a $250 annual deductible not met on prior claims. Nationwide does not determine the amount a side veterinarian may charge; that amount will vary by region and veterinary practice. Products underwritten by Veterinary Pet Insurance Company (CA), Columbus, OH; National Casualty Company (all other states), Columbus, OH. Agency of Record: DVM Insurance Agency. All are subsidiaries of Nationwide Mutual Insurance Company. Subject to underwriting guidelines, review and approval. Products and discounts not available to all persons in all states. Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Nationwide, the Nationwide N and Eagle, and Nationwide is on your side are service marks of Nationwide Mutual Insurance Company. ©2024 Nationwide. 23GRP9695D Benefits at a glance FEAM C o n t a cts R I SK St rategies- LaR occa & As s ociates Account Manager: Andy McDermott [email protected] Phone: (954) 332-6114 M e dical I nsurance United Healthcare (UMR) URL: www.umr.com Phone: (800) 826-9781 G ar ner He alth URL: www.garner.guiede/oe Phone: (866) 761-9586 De nt al I ns urance Aetna URL: www.aetna.com Phone: (800) 872-3862 Vis ion I ns urance EyeMed URL: www.eyemed.com Phone: (866) 939-3633 Life, Disability, Accident and Critical Illness Lincoln Financial URL: www.lfg.com Phone: (877) 275-5462 Pet Insurance Nationwide URL: http://benefits.petinsurance.com/feam Phone: (877) 738-7874 The information in this Enrollment Guide is presented for illustrative purposes and is based on information provided by the employer. The text contained in this guide was taken from various summary plan descriptions and benefit information. While every effort was taken to accurately report your benefits, discrepancies or errors are always possible. In case of discrepancy between the guide and actual plan documents, the actual plan documents will prevail. All information is confidential, pursuant to the Health Insurance Portability and Accountability Act of 1996. If you have any questions about the guide, please contact HR.