Bickford Benefits Open Enrollment 2022-2023 PDF

8/20/22, 7:22 AM BENEFITS | Bickford Benefits Open Enrollment 2022-23 has ended June 10th through June 20th Coverage effective July 1, 2022 through June 30, 2023 New Hires Enroll Here Step by Step Enrollment Instructions 2022-23 Benefit Presentation Instructions to View Elections Update Personal...

8/20/22, 7:22 AM BENEFITS | Bickford Benefits Open Enrollment 2022-23 has ended June 10th through June 20th Coverage effective July 1, 2022 through June 30, 2023 New Hires Enroll Here Step by Step Enrollment Instructions 2022-23 Benefit Presentation Instructions to View Elections Update Personal Information What you need to know about Coronavirus prevention - Click Here Click Here for Bickford's COVID-19 Vaccine FAQ BFM Benefits HOME BENEFITS TELEHEALTH WELLNESS RESOURCES CONTACTS New Hire Benefit Guide Ohio New Hire Benefit Guide Family Member Benefits Information about all of your benefits is now at your fingertips! https://www.bickfordbenefits.com/benefits 1/5 8/20/22, 7:22 AM BENEFITS | Bickford Benefits 22-2023 OE Benefits Guide 22-2023 OHIO OE Benefits Guide 2022-2023 NEW HIRE Benefits Guide 2022-2023 Ohio NEW HIRE Benefits Guide Self-Enroll Instructions Medical Insurance: Preferred-Care Blue base PPO Preferred-Care Blue buy-up PPO The Preferred-Care Blue base PPO plan provides coverage with lower monthly premiums but has a higher deductible and out-of-pocket maximums. The Preferred-Care Blue buy-up PPO plan provides coverage with lower deductibles and out-of-pocket maximums, but has higher monthly premiums. Deductible: $2,500/$5,000 Coinsurance: 80% in network Out of pocket max: $5,300/$10,600 Deductible: $1,000/$2,000 in- *includes deductible & medical presciption copays Office visit copay: $25 Specialist visit copay: $50 Preventative services: 100% covered​ network Coinsurance: 80% in-network Out of pocket max: $3,800/$7,600 in-network *includes deductible & medical presciption copays Office visit copay: $25 Specialist visit copay: $50 Preventative services: 100% covered Prescription Drug Plan: Flexible Spending Account (FSA): In-network An FSA provides o ​ pportunities for pre-tax Heath and Dependent Care spending. Generic: $10 copay Formulary: 40% coinsurance up to $75 cap Nonformulary: 60% coinsurance up to $75 cap Out-of-Network Generic: 50% after copay Formulary: 40% coinsurance no cap Nonformulary: 60% coinsurance - no cap The IRS has a "use it or lose it" rule for FSAs. Eligible 2021 healthcare and dependent care expenses must be incurred no later than March 15, 2022. Claims must be submitted by March 31, 2022. IRS Annual max contributions apply: •$2,750 | Health Care •$5,000 | Dependent Care Vision Insurance: Dental Insurance: VSP provides family members and dependents with an affordable eyecare plan including: Diagnostic and preventative services are covered at 100% with no deductible. $25 eye exam co-pay https://www.bickfordbenefits.com/benefits 2/5 8/20/22, 7:22 AM $ 5 eye e a co pay $180 frames allowance* $180 contact lens allowance Additional savings available for sunglasses, Laser vision correction and more! *Frames allowance is available every 24 months BENEFITS | Bickford Benefits Basic services are covered at 80% after deductible. Major Services are covered at 50% after deductible. Calendar year deductibles: Individual: $50 Family: $150 Maximum dental benefit per year: $1,500 per person Orthodontia services are available for dependents to age 19 and are covered at 50% after deductible. Accident Insurance: Accident insurance will help protect you and your covered dependents from unexpected accidents and injuries off the job. Our plan will pay benefits directly to you when you need it most to help pay for out of pocket expenses. Click here to view a list of benefits and examples. Critical Illness Insurance: Critical Illness insurance will pay a lump sum benefit directly to you if you are diagnosed with a critical illness or cancer. The money can be used for medical bills, treatment, income, or even your everyday bills and expenses. Short Term Disability (STD): Group Short Term Disability Income Insurance provides you with benefits to replace part of your paycheck when you can’t work because of a sickness or injury. Your Short Term Disability benefits are paid for up to 13 weeks When you become disabled you must complete a 14 day waiting period before benefits are payable. Click here to view more details. Click here to view a list of benefits and examples. Term life Insurance and AD&D: Life Insurance w/ Long Term Care If you are a benefit-eligible BFM, basic term life and AD&D insurance is provided to you at no cost. You will receive 1x your basic annual salary to a max of $50,000. LifeTime Benefit Term Insurance is uniquely designed to match the needs of family members throughout their lifetime and provides lasting coverage to supplement the basic term life insurance. With locked in rates and long term care benefits built in, this coverage offers more flexibility compared to traditional life insurance. A variety of options are available to accommodate your needs and budget. Supplemental coverage is available for you, your spouse and your children. You must be covered to elect spouse and/or child coverage. Spouse coverage is limited to 50% of your election. Please refer to your employee benefits guide for more information including rates. Click here for more information. Click here to view more details. https://www.bickfordbenefits.com/benefits 3/5 8/20/22, 7:22 AM BENEFITS | Bickford Benefits 401(k) Retirement Savings Plans: The 401(k) plan is available on the first of the month following 2 months of employment for all full-time BFMs ages 21 and over. Bickford Senior Living will match 0.5% for every 1% contributed by the BFM up to 6%. 529 Plan: A 529 plan allows BFMs to put money aside for your child's (or grandchild's) college education. Please note, there is a minimum deposit of $25 per pay period and the money is payroll deducted on an after-tax basis by Bickford. Fulltime and part-time BFMs are eligible to enroll. Plan group number: 068978​​ Click here for enrollment instructions. Hello ACCESS On-demand access to earned wages with your employersponsored financial wellness benefit. Not a loan, no hidden fees, and no credit check. All employees are eligible. Click here for more information.​ Click here for FAQs Click here for step-by-step instructions to sign up Invite your coworkers to receive $10! Identity Theft Protection Student Loan Repayment Assistance: This program allows BFMs with FAFSA documented loans to receive loan advisory services at no charge. Speak with your director or Root Benefits for more information. EAP: Your ComPsych GuidanceResources program offers someone to talk to and resources to consult whenever and wherever you need them. Call: 977.533.2363 TDD: 800.697.0353 Online: guidanceresources.com COBRA: The Taben Group Call Toll Free: 800.675.7341 Direct: 913.649.0468 Email: [email protected] IdentityForce provides protection to you and your family through the following" Secure My Network Child Monitoring Online PC Protection Tools Senior Fraud Resolution Ransomware Solution Social Engineering Solution Credit Score Simulator Dark Web Threat Alerts White-Glove Family Restoration Mobile Attack Control Click here for Product Details Click here for Senior Fraud Overview Click here for Quick View Click here for Member Manifesto Click here for Mobile App Information https://www.bickfordbenefits.com/benefits 4/5 8/20/22, 7:22 AM BENEFITS | Bickford Benefits Frequently Asked Questions Commonly Used Forms & Links Contacts 13795 S. Mur-Len Rd. Olathe, KS 66062 This information, including any summaries or videos, is for the our employees. These documents and videos contain only a partial description of the benefits, limitations, exclusions and other provisions of these plans mentioned. It is not a policy. It is a general overview only. It does not provide all the details of this coverage, including benefits, exclusions and policy limitations. In the event there are discrepancies between these documents and videos, the terms and conditions of the policy will govern. https://www.bickfordbenefits.com/benefits 5/5