Bickford Senior Living Benefits Guide 2023-2024 PDF

Bickford Senior Living Bickford of Upper Arlington 2023-2024 Benefits Guide What’s Inside This Benefits Guide provides benefit plan highlights and is intended for summary purposes only. Your actual rights and benefits are governed by the official plan documents. If any discrepancy exists betwee...

Bickford Senior Living Bickford of Upper Arlington 2023-2024 Benefits Guide What’s Inside This Benefits Guide provides benefit plan highlights and is intended for summary purposes only. Your actual rights and benefits are governed by the official plan documents. If any discrepancy exists between this communication and the official plan documents, the plan documents will prevail. Welcome 3 Eligibility 4 Medical 5 HSA 10 FSA 12 Dental 16 Vision 17 Life and AD&D 19 Disability Coverage 21 Worksite Products 20 FSA 23 Employee Assistance Program 29 Financial Wellness 30 Contact Us 33 WELCOME TO THE FAMILY! Our Employees are Family At Bickford, we’re your work family - this is a role we take seriously. Many times, people spend just as much (or more) time at work than at home and that is why our family is important. Whatever your experience has been with “family” in the past, we’re committed to making this family what it should be. Just like every family we’re not perfect, but we’ll never give up trying. For in the end, it’s family that matters most. Our Core Values Being in the happiness business requires more than just performing our chores. We have found that just meeting residents’ needs is not enough. In fact, how we make people feel while meeting their needs is just as important, actually a bit more important. We’ve learned that there is a certain set of values and corresponding behaviors that lend themselves to making residents feel good while receiving our services. We call these our Core Values. We Appreciate You! At Bickford Senior Living, we are continually grateful for the effort and enthusiasm that you display at work every day. It is this energy that drives and motivates us to provide a suite of benefits for you and your family. Our benefit priorities are focused on YOU; keeping our plans competitive, cost-effective, and useful for you and your family, so we can offer you the level of support you provide for us daily. We are thrilled to have you on board. As a new BFM (Bickford Family Member), you must actively complete the enrollment process. This includes electing or declining benefits, enrolling dependents and confirming beneficiaries. Please be sure to: ➢ Check out available benefits, contact information and instructions to enroll, by visiting our website: www.bickfordbenefits.com. ➢ Go to www.bickfordbenefits.com or scan the QR code to schedule a time to speak to and complete your enrollment with a Benefits Coach or on your own. ➢ Complete enrollment prior to your effective date even if you are waiving coverage. 3 Who is Eligible • Full time employees who work 30 or more hours per week are eligible for ALL benefits. • Part-Time employees working 20 or more hours per week are eligible for Voluntary Life, Voluntary Short-Term Disability, Voluntary Long-Term Disability, Accident, Critical Illness, Student Loan Reimbursement, DailyPay, Identity Protection, and Cyber Monitoring. • When to Enroll • The benefits you choose during Open Enrollment will be effective on July 01, 2023. • All BFMs are eligible for benefits on the first of month following 30 days of employment (coverage available is dependent on status). Your spouse and dependents (up to 26 regardless of student status) are also eligible for benefits. How to make a change Once you enroll, you are tied to those benefits until the next open enrollment period unless you experience a Qualifying Life Event. Qualifying events include, but are not limited to: • • • • • Change in employment status Marriage, divorce or legal separation Birth or adoption of a child Death of a spouse, child or other qualified dependent Entitlement to Medicare or Medicaid If you experience a Qualifying Event and need to make changes to your benefits, you must notify HR within 30 days of the date of the event. 4 Medical We offer two Major Medical plans through BlueCross BlueShield of Kansas City that utilize the Preferred-Care Blue Network. You can go to https://www.bluekc.com to find an in-network provider near you. Preferred-Care Blue Network HDHP Base Plan Buy-Up PPO Plan Amount You Pay Amount You Pay Deductible / Calendar Year accumulates 01/01/23 – 12/31/23 $4000 individual $8000 family $2,500 individual $5,000 family Coinsurance 0% 20% Out-of-Pocket Max includes deductible and coinsurance $4000 Individual $8000 Family $5,300 individual $10,600 family Covered in full Covered in full 0% after deductible Covered in full 0% after deductible 0% after deductible $25 copay $50 copay Diagnostic Lab & X-Ray 0% after deductible 20% coinsurance Complex Images Outpatient Facility 0% after deductible 0% after deductible 20% coinsurance 20% coinsurance after deductible Inpatient Facility Emergency Room Urgent Care 0% after deductible 0% after deductible 0% after deductible 20% coinsurance after deductible $250 copay, then deductible + coinsurance $50 copay HDHP Base Rx Plan Buy-Up PPO Rx PPO IN NETWORK Preventive Care Telehealth (BlueKC Virtual Care) Primary Care Visit Specialist Visit Prescription Drugs Retail Pharmacy (up to 34 days) Mail Order Pharmacy (35-102 days) Retail Pharmacy (up to 34 days) Mail Order Pharmacy (35-102 days) Generic 0% after deductible 0% after deductible $10 copay/fill $30 copay/fill Preferred 0% after deductible 0% after deductible 40% coinsurance up to $75 40% coinsurance up to $225 Non-Preferred 0% after deductible 0% after deductible 60% coinsurance up to $75 60% coinsurance up to $225 Dependent Age Limit 26 5 Medical Deductions HDHP Base Plan Semi-Monthly Contributions BFM Only $37.87 BFM + Spouse $177.91 BFM + Child(ren) $120.89 BFM + Family $297.11 PPO Buy-Up Plan Semi-Monthly Contributions BFM Only $65.04 BFM + Spouse $265.28 BFM + Child(ren) $207.64 BFM + Family $461.94 6 7 Telehealth Benefit Through BlueKC Virtual Care Blue KC members can schedule and see a doctor online from their phone, tablet or computer through the BlueKC Virtual Care app or on the web at bluekcvirtualcare.com. With Telehealth services, members can take care of most common medical issues, like colds, flu, fever, rash, abdominal pain, sinusitis, pinkeye, ear infection, migraines and more. It’s free to enroll, and the copay is $0 per visit. 8 9 10 11 12 13 14 Understanding the full value of covered benefits allows you to take responsibility for maintaining good health and incorporating healthy habits into your lifestyle. Some examples include getting regular physical examinations, mammograms and immunizations. Through the plans offered by your employer, all covered individuals and family members are eligible to receive routine wellness services like these, at no cost; all copays, coinsurance, and deductibles are waived. Which Preventive Care Services Are Covered? Below is a list of commonly utilized preventive care services. Please be aware that there are age and frequency limitations tied to several of these services. Always talk to your provider and verify that your tests will be covered at 100%. For a full list of covered services and restrictions please visit, https://www.healthcare.gov/coverage/preventive-care-benefits/ ▪ Routine Physical Exam ▪ Well Baby and Child Care ▪ Well Woman Visits ▪ Immunizations ▪ Routine Bone Density Test ▪ Routine Breast Exam ▪ Routine Gynecological Exam ▪ Screening for Gestational Diabetes “An ounce of prevention is worth a pound of cure” ▪ Routine Digital Rectal Exam ▪ Routine Colonoscopy ▪ Routine Colorectal Cancer Screening ▪ Routine Prostate Test ▪ Routine Lab Procedures ▪ Routine Mammograms ▪ Routine Pap Smear ▪ Smoking Cessation ▪ Testing for HPV and HIV 15 Dental We offer a comprehensive PPO dental plan through Delta Dental of Kansas. Visit www.deltadentalks.com to find an in-network provider near you. Network Amount You Pay Annual Deductible $50 individual $150 family Preventive Services (cleanings, x-rays, etc.) Basic Services (extractions, fillings, etc.) Major Services (crowns, dentures, etc.) Orthodontia (up to age 19) Covered in full 80% after deductible 50% after deductible 50% after deductible Annual Maximum Benefit $1,500 per individual Dependent Age Limit 26 Out of Network Benefit You are free to go to any dentist of your choice; however, there may be a difference in the amount you pay if the dentist is not a Delta Dental PPO/Premier participating dentist. Semi-Monthly Deductions BFM Only $4.25 BFM + Spouse $17.50 BFM + Children $12.50 BFM + Family $37.50 16 Vision Coverage is offered through VSP Vision Care. Visit www.vsp.com to find an in-network provider near you. Amount you Pay $25 copay Exam Only Plan If enrolled in Medical Amount you Pay $25 copay $0 per screening; $20 per exam N/A Combined with exam Combined with exam Combined with exam N/A N/A N/A Buy-Up Vision Plan In-Network Vision Exam Essential Medical Eye Care Lenses Single Bifocal Trifocal Lens Enhancements Progressive Lenses Frames Contact Lenses (in lieu of glasses) Extra Savings Glasses and Sunglasses Routine Retinal Screening Standard: $0 Premium: $80 - $90 Custom: $12 - $160 Combined with exam; $200 featured frame brands allowance; $180 frame allowance 20% savings on the amount over your allowance $180 allowance for contacts; copay does not apply Contact Lens exam up to $60 copay N/A N/A N/A Extra $20 to spend on featured frame brands; 20-30% savings on additional glasses and sunglasses, including lens enhancements N/A No more than a $39 copay on as an enhancement to a WellVision Exam N/A Laser Vision Correction Average 15% off the regular price or 5% off the promotional price; discounts only available from contracted facilities N/A Exam Lenses Frames Contacts Frequency Every 12 Months Every 12 Months Every 24 Months Every 12 Months Semi-Monthly Deductions BFM Only BFM + Spouse BFM + Children BFM + Family Dependent Age Limit $4.02 $6.39 $6.84 $10.93 26 Every 12 Months N/A N/A N/A Semi-Monthly Deductions $0.26 $0.43 $0.46 $0.74 26 17 Medical Providers Preferred-Care Blue Network Go to https://www.bluekc.com How to Find a Provider • Select Find Care • Click on Find care as a Guest then select Blue • • • KC health plan through employer and choose Preferred-Care Blue (PCB) Click on Find Care as a Guest Update City, State or Zip You will then be able to search by name or specialty Dental Providers Delta Dental PPO | Delta Dental Premier Go to www.DeltaDentalKS.com • Click on Find a Dentist • Under Looking for a dentist? choose the • Specialty and select Delta Dental PPO or Delta Dental Premier Enter your location information then click Submit on the next screen Vision Providers Signature Network Go to www.vsp.com • Click on Find A Doctor then click on Advanced • • • Search Select Signature under Doctor Network then click on apply filters Update Zip or City and State A list of providers in your area should appear below based on information that was entered 18 Employer Paid Life and AD&D We are pleased to provide all FullTime employees working 30 or more hours per week with a Basic Life and AD&D benefit through Unum at no cost to you. Please ensure your beneficiaries are up to date. One of the greatest gifts you can offer your loved ones is financial security in the event of your death or disability. Bickford Senior Living provides all full-time employees working 30 or more hours per week with Basic Life and Accidental Death and Dismemberment (AD&D) insurance coverage at no cost to you. Employer Paid Basic Life and AD&D Benefit amount 1x annual income to a maximum of $50,000 The following shows how much your benefits will reduce at certain ages: Age Band Benefit Reduces To 65 65% 70 40% 75 20% 19 Voluntary Life and AD&D One of the greatest gifts you can offer your loved ones is financial security in the event of your death or disability. Employees working 20 or more hours per week are eligible. Coverage is provided by UNUM. Life Insurance pays your beneficiary a benefit should you die, and AD&D insurance pays a benefit should your death result from an accident or if you are severely injured in an accident. If you decide to purchase additional Life Insurance coverage, consider costs such as funeral expenses, legal expenses, and general living expenses for your surviving family members when determining an appropriate amount of additional coverage. Plan Features Increments Maximum Amount Guaranteed Issue Employee $10,000 $300,000 $150,000 Spouse $5,000 $150,000 not to exceed 100% of employee election $30,000 Child(ren) $2,000 $10,000 $10,000 Benefit Reduction/Termination 65% at age 65 40% at age 70 20% at age 75 Terminates when child turns 26 excluding disability * Rates are based on age and will be calculated during enrollment Note You must elect coverage when first eligible as a new hire in order for coverage to be Guarantee Issued, otherwise you will be required to complete the Evidence of Insurability (EOI) form, subject to carrier approval. 20 Voluntary ShortTerm Disability A Short-Term disability is an illness or injury that prevents you from working for a short period of time. Employees working 20 or more hours per week are eligible for STD. Coverage is optional and provided through UNUM. Keep Your Income Protected Income replacement through disability insurance is invaluable in protecting you during times of injury or illness. As a new hire, you will be able to enroll in this benefit without submitting an Evidence of Insurability Form (EOI). If you decline the benefit as new hire and choose to enroll at next year’s OE, you will have to submit an EOI form which is subject to the carrier’s approval. Voluntary Short-Term Disability Weekly Benefit 60% of weekly earnings Maximum Benefit Amount $1,154 Benefit Begins after 14 days of injury or illness Maximum Benefit Duration Up to 11 weeks * Rates are based on age and salary and will be calculated during enrollment Note Pre-Existing Conditions There is a pre-existing condition clause tied to the short-term disability plan. The carrier will look back 12 months prior to the coverage effective date. If there are any pre-existing conditions in the 12 month look back period, then those conditions will be excluded from coverage for 12 months. 21 Voluntary Long-Term Disability A Long-Term disability is an illness or injury that prevents you from working for a short period of time. Employees working 20 or more hours per week are eligible for LTD. Coverage is optional and provided through UNUM. Keep Your Income Protected Income replacement through disability insurance is invaluable in protecting you during times of injury or illness. As a new hire, you will be able to enroll in this benefit without submitting an Evidence of Insurability Form (EOI). If you decline the benefit as new hire and choose to enroll at next year’s OE, you will have to submit an EOI form which is subject to the carrier’s approval. Voluntary Long-Term Disability Monthly Benefit 60% of monthly earnings Maximum Benefit Amount $6,000 Benefit Begins After 90 days Maximum Benefit Duration Social Security Normal Retirement Age * Rates are based on age and salary and will be calculated during enrollment Note Pre-Existing Conditions There is a pre-existing condition clause tied to the short-term disability plan. The carrier will look back 3 months prior to the coverage effective date. If there are any pre-existing conditions in the 12 month look back period, then those conditions will be excluded from coverage for 12 months. 22 Accident Employees working 20 or more hours per week are eligible for Accident. Coverage is optional and provided through UNUM. Accidents can happen and can cause an increase in medical expenses and other costs. Accident insurance provides you with a lump-sum payment after an accident to use as you see fit. Refer to Unum summary for a complete list of coverage Benefits Air Ambulance Compass Accident employee $50 / spouse $50 / child $50 per child (max $100) per year for completing certain routine wellness screenings or procedures $1,500 Ambulance $400 Burns up to $15,000 depending on size of area affected Burn – Skin Graft 50% of burn benefit Chiropractic Visits $45 per visit up to 6 visits per accident Coma $15,000 Dislocations schedule up to $4,125 Eye Injury $200 Hospital Admission $1,200 Hospital Confinement $400 Laceration schedule up to $800 Tendon/Ligament/Rotator Cuff 2 or more - $600 X-Ray $50 Semi-Monthly Premium Rates Compass Accident BFM Only $6.69 BFM + Spouse $11.16 BFM + Child(ren) $13.30 BFM + Family $17.77 Wellness Benefit 23 Critical Illness Employees working 20 or more hours per week are eligible for Critical Illness. Coverage is optional and provided through UNUM. Critical Illness insurance can supplement your major medical coverage by providing a lump-sum benefit that you can use to pay costs related to a covered illness. Schedule of Benefits – refer to Unum summary for a complete list of coverage Employee Benefit Amount maximum benefit of $10,000, $20,000 or $30,000 Spouse Benefit Amount 50% of employee coverage Child Benefit Amount 50% of employee coverage, added automatically if you chose coverage for yourself Percentage of Coverage Amount for First Occurrence Condition Cancer Covered Conditions (lump sum payments) Invasive Cancer Carcinoma in Situ Benign Brain Tumor 100% 25% 100% Skin Cancer $500 Vascular Heart Attack Stroke Heart Failure 100% 100% 100% Coronary Arteriosclerosis 50% Other Wellness Benefit Pre-Existing Condition Limit Organ Failure 100% Kidney Failure 100% Employee Coverage Amount $10,000: $50 Employee Coverage Amount $20,000: $75 Employee Coverage Amount $30,000: $100 provides an annual benefit payment if you complete a health screening test; you only receive a benefit payment once per year, even if you complete multiple health screening tests The carrier will look back 12 months prior to the coverage effective date. If there are any pre-existing conditions in the 12 month look back period, then those conditions will be excluded from coverage for 12 months. 24 Critical Illness Deductions Semi Monthly Deduction for BFM with Children Semi Monthly Deduction for Spouse Age $10,000 ($50 Be Well) $20,000 ($75 Be Well) $30,000 ($100 Be Well) $10,000 ($50 Be Well) $20,000 ($75 Be $30,000 ($100 Be Well) Well) <25 $1.77 $3.54 $5.31 $1.35 $2.69 $4.04 25-29 $2.17 $4.34 $6.51 $1.55 $3.09 $4.64 30-34 $2.67 $5.34 $8.01 $1.80 $3.59 $5.39 35-39 $3.57 $7.14 $10.71 $2.25 $4.49 $6.74 40-44 $4.62 $9.24 $13.86 $2.77 $5.54 $8.31 45-49 $5.92 $11.84 $17.76 $3.42 $6.84 $10.26 50-54 $7.37 $14.74 $22.11 $4.15 $8.29 $12.44 55-59 $9.82 $19.64 $29.46 $5.37 $10.74 $16.11 60-64 $13.57 $27.14 $40.71 $7.25 $14.49 $21.74 65-69 $19.47 $38.94 $58.41 $10.20 $20.39 $30.59 70-74 $30.17 $60.34 $90.51 $15.55 $31.09 $46.64 75-79 $44.42 $88.84 $133.26 $22.67 $45.34 $68.01 80-84 $64.77 $129.54 $194.31 $32.85 $65.69 $98.54 85+ $104.22 $208.44 $312.66 $52.57 $105.14 $157.71 25 Critical Illness Deductions 26 Hospital Indemnity Team Members scheduled to work 20 or more hours per week are eligible for Hospital Indemnity Insurance. Coverage is optional and provided through UNUM. Refer to Unum summary for a complete list of coverage Hospital/ICU Admission $1,000 (1 day per year) Hospital/ICU Confinement $1,000 (1 day per year in addition to admission benefit above) Hospital Daily Stay $100 (payable per day up to 365 days) ICU Daily Stay $100 (payable per day up to 30 days) Short stay $250 (payable for a maximum of 1 day per year) Coverage Level Semi Monthly Deductions BFM Only $9.79 BFM + Spouse $16.76 BFM + Child(ren) $13.74 BFM + Family $20.71 Pre-Existing Conditions There is a pre-existing condition clause tied to the Hospital Indemnity plan. The carrier will look back 12 months prior to the coverage effective date. If there are any pre-existing conditions in the 12 month look back period, then those conditions will be excluded from coverage for 12 months. 27 Employee Benefit Plans Plan Coverage IdentityForce service payroll deduction pricing —SEMI- MONTHLY Employee (includes ChildWatch) Family (includes ChildWatch) Plan Features Employee Benefit Plans Easy to Enroll UltraSecure Premium $4.75 $8.75 UltraSecure Premium IDENTITY THEFT PROTECTION Instant Credit Inquiry Alerts Financial Account Takeover Monitoring Bank and Credit Card Activity Alerts 401(K), HSA & Investment Account Activity Alerts BreachIQTM Dark Web Monitoring 1. Enroll along with other voluntary Compromised Credentials Alerts Change of Address Monitoring benefits through your employer. 2. Receive confirmation email. Court Records Monitoring Sex Offender Notification If you do not receive the email, please check your spam folder. Smart SSN Tracker (SSN Monitoring) 3. Click on link in confirmation email to complete registration and access your Identity Protection Dashboard. Payday Loan Monitoring Social Media Activity Alerts (Adult and Child) Child Monitoring (SSN, Dark Web, and Social Media) Fraud Alert Reminders Data Breach Notification Questions? Identity Threat Alerts Medical ID Fraud Protection Call Member Services at 1-855-441-0270 Mobile App (iOS and Android) Mobile Attack Control Secure My Network (VPN) Online PC Protection Tools Password Manager IMPORTANT: To access your IdentityForce plan, please visit: https://mybenefits.identityforce.com/ Identity Vault and Secure Storage Two Factor Authentication CREDIT MONITORING Credit Report Monitoring (Daily) 3 Credit Bureaus Credit Report and Score (Quarterly) 3 Credit Bureaus Credit Score Simulator IDENTITY PROTECTION SERVICE PROVIDER BEST IN CLASS Credit Score Tracker (Monthly) Credit Freeze and Lock Assistance (Adult and Child) TM Protect What Matters Most Credit Report Assistance RESTORATION SERVICES Identity Theft Insurance #1 Rated Consumer ID Theft Plans #1 Rated Consumer ID Theft Plans As seen on Forbes Advisor, CNBC, and US News As seen on CNBC and Investopedia $2,000,000 Stolen Funds Replacement Any Financial Account Covered Ransomware Expense Reimbursement $25,000 Social Engineering Expense Reimbursement $25,000 Cyberbullying Expense Reimbursement $25,000 Senior Fraud Resolution (Insurance Included with Family Plan) White Glove Restoration (Family) Pre-existing Identity Theft Restoration Deceased Family Member Fraud Remediation* SOURCE | Rated a Best Identity Theft Protection Service of 2021 by Forbes Advisor, Best Overall Identity Theft Protection Service on CNBC for 2022, and Best Identity Theft Protection Service of 2022 by U.S. News & World Report. Junk Mail Opt Out Lost Wallet Assistance * Deceased Family Member Fraud Remediation | Available for adults or eligible dependents enrolled in an active IdentityForce Family Plan at the time of their death. ABOUT IDENTITYFORCE IdentityForce, a TransUnion brand, offers proven identity, privacy and credit security solutions. We combine advanced detection technology, real-time alerts, 24/7 U.S.-based support and identity recovery with over 40 years of experience to get the job done. We are trusted by millions of people, global 1000 organizations and the U.S. government to protect what matters most. www.identityforce.com © 2022 TransUnion. All other trademarks or trade names are properties of their respective owners. All rights reserved. www.identityforce.com | 1-855-441-0270 Financial Wellness All BFMS working 16 or more hours are eligible for these programs at no cost to you. DailyPay Scan this code to open the DailyPay app BFMs now have the ability to access 100% of their earned wages as soon as they clock out! Use the QR code to sign up today! Student Loan Repayment Bickford offers a monthly payment towards FAFSA-documented loans in our program. In order to qualify, you must be full- or part-time and employed with Bickford for at least 60 days. The amount contributed will depend on scheduled hours and be set annually with a lifetime maximum benefit from Bickford of $3,000. 529 Plan A 529 plan allows BFMs to put money aside for your child or grandchild’s college education. There is a minimum $25 per pay period deposit. This deposit is payroll deducted on an after-tax basis. Full- and part-time BFMs are eligible to enroll. 401(k) Plan Bickford Senior Living will match 0.5% for every 1% contributed by the BFM, up to 6%. For all fulland part-time BFMs age 21 and older, you are eligible on the first of the month following two months of employment. 30 31 32 Contact US Provider directories and explanation of benefits are available online and provide the most up‐to‐date information. You may also contact carriers directly with your questions. Benefits At-A-Glance Coverage Bickford Senior Living Carrier Website HR Branch Support [email protected] Phone Number 913.782.3200 Medical/Rx BCBS of KC https://www.bluekc.com 888.989.8842 Mail-Order Drug Plan Optum www.OptumRx.com 800.228.1436 Mail-Order Drug Plan ValuMed [email protected] 877.471.4040 HSA CBIZ https://myplans.cbiz.com/ Dental Delta Dental of KS www.DeltaDentalKS.com 800.234.3375 Vision VSP Vision Care www.vsp.com 800.877.7195 Life and Disability UNUM https://www.unum.com/ 866.679.3054 UNUM https://www.unum.com/lifebalance 800.854.1446 CBIZ https://myplans.cbiz.com/ 855.410.2249 Identity Force www.IdentityForce.com 800.295.0136 DailyPay www.dailypay.com 866.432.0472 Employee Assistance Program Medical FSA/Dependent Care FSA ID Theft and Cyber Monitoring Identity Force Earned Wage Access 855.410.2249 We recommend you register for an online account with all carriers, this will allow you to manage your benefits, view plan information, view Explanation of Benefit (EOB), view claim status, find providers and download ID cards. 33 Notes