2024-Framebridge-Benefit Guide
BENEFITS GUIDE
WELCOME
Table of Contents BenefitsVIP ® ......................... 3 Medical Benefits ................... 4 Health Savings Account......... 5 Medical Benefits Information ........................ 6 - 8 Medical Terminology ............. 9 Dental Benefits.................... 10 Dental Benefits Information ......................... 11 Vision Benefits .................... 12 Vision Benefits Information ......................... 13 Ancillary Benefits Life/AD&D ........................ 14 Voluntary Life/AD&D ......... 15 Short & Long Term Disability ................. 16 Employee Assistance Program .......................... 17 Mutual of Omaha Extras.............................. 18 Commuter Benefits ............. 19 Pet Insurance ..................... 20 401(k)Retirement Plan ......... 21 Company Contribution Plan . 22 How the Plans Compare...... 23 Additonal Benefits & Perks... 24 Annual Notices............... 25 - 26
Dear Framebridge Team Member:
Framebridge cares about the health and well-being of you and your family, and we are dedicated to providing you with a comprehensive benefits package. We understand that healthcare costs have risen, but we are committed to making sure you have access to affordable benefits. As an employee, you are eligible for a variety of valuable benefits such as health insurance, dental and vision benefits, and a health savings account. Framebridge is also pleased to provide employer-paid life, AD&D, short-term disability, and long-term disability insurance to all eligible employees, as well as access to optional employee-paid benefits including life, and AD&D insurance, pet insurance, and commuter benefits. Employees have 30 days from hire to enroll in benefits. Your insurance coverage starts on day one. Framebridge is also proud to offer two retirement plans to help employees save for retirement. Employees can enroll in a 401k plan with options for pre-tax, after-tax, and Roth contributions. Eligible employees will also be automatically enrolled in The Company Contribution Plan, which is funded with company contributions to help employees save for retirement. Framebridge is very proud to present this benefits guide to you, and we are confident that you will find it useful and insightful. This guide provides you with information on the generous benefits options that Framebridge offers to its employees.
Please take time to review this benefit guide carefully. If you have questions regarding any of the information presented or require additional information, please contact the People & Culture team.
Sincerely,
Framebridge
2
HELP WHEN YOU NEED IT
HELP STARTS HERE BenefitsVIP is a powerful, one-stop contact center staffed by seasoned professionals. Your dedicated team of employee benefits advocates is ready to help you and your family members resolve your benefits issues.
BENEFITSVIP.COM Request member assistance and order ID cards with a click.
For service that’s confidential and responsive, contact:
866.293.9736 Monday - Friday 8:30am - 8:00pm (ET) Fax: 856.996.2775 Solutions@benefitsvip.com
HEALTHDISCOVERY.ORG Get vital, useful and fun health insurance and wellness facts.
QUESTIONS ANSWERED HERE COMPLETELY CONFIDENTIAL! Your dedicated BenefitsVIP advocates understand your benefit plans and are able to answer benefit questions and quickly resolve claims and eligibility issues. A majority of inquiries are resolved the same day and all calls adhere to privacy best practices.
BenefitsVIP.com
3
MEDICAL BENEFITS
ARCHES
SHENANDOAH
YOSEMITE HSA
MEDICAL BENEFIT
IN-NETWORK
OUT-OF-NETWORK
IN-NETWORK
OUT-OF-NETWORK
IN-NETWORK ONLY
Annual Deductible
Individual: None Family: None
Individual: $1,000 Family: $2,000 Individual: $6,000 Family: $12,000
Individual: $500 Family: $1,000
Individual: $1,000 Family: $2,000 Individual: $6,000 Family: $12,000
Individual: $2,500 Family: $5,000** Individual: $5,000 Family: $6,850
Annual Out-of-Pocket Maximum
Individual: $3,000 Family: $6,000
Individual: $3,000 Family: $6,000
Coinsurance
UHC 100% / EE 0%
UHC 80% / EE 20%
UHC 90% / EE 10%
UHC 80% / EE 20%
Unlimited
Preventive Care
No charge
20% after deductible
No charge
20% after deductible
No charge
Outpatient Care Primary care physician office visits Specialist office visits
$15 copay $30 copay
20% after deductible 20% after deductible
$30 copay $50 copay
20% after deductible 20% after deductible
20% after deductible 20% after deductible
Outpatient Laboratory Outpatient X-Ray
No charge 1
No charge 1
20% after deductible 1
20% after deductible
20% after deductible**
Advanced Radiology (MRI, MRA, CAT & Pet Scan) Emergency Care Hospital emergency room (waived if admitted) Urgent care
$150 copay 1
$150 copay 1
20% after deductible 1
20% after deductible
20% after deductible**
$150 copay
$150 copay
$350 copay
$350 copay*
20% after deductible
$75 copay
20% after deductible
$75 copay
20% after deductible**
20% after deductible
Hospital Care Inpatient Outpatient surgery
No charge No charge
20% after deductible 20% after deductible
10% after deductible 10% after deductible
20% after deductible** 20% after deductible**
20% after deductible 20% after deductible
Mental Health Inpatient Outpatient
No charge $30 copay
20% after deductible 20% after deductible
10% after deductible $50 copay
20% after deductible** 20% after deductible**
20% after deductible 20% after deductible
Plan Deductible Applies Ind $2,500/Fam $5,000 $10 / $35 / $70
Prescription Drug Deductible Retail Pharmacy (30 day supply) Tier 1/Tier 2/Tier 3 Mail Order (90 day supply) Tier 1/Tier 2/Tier 3
$10 / $35 / $70
$10 / $35 / $70
$10 / $35 / $70
$10 / $35 / $70
$25 / $87.50 / $175
$25 / $87.50 / $175
In-Network Only
$25 / $87.50 / $175
In-Network Only
Medical Contributions Per Pay Period Employee Only Employee + Spouse Employee + Child(ren) Employee + Family
$81.85 $279.30 $211.17 $406.81
$37.71 $230.99 $172.98 $322.70
$24.23 $148.43 $111.16 $207.36
1. For Designated Network Providers
*Notification is required if confined in an Out-0f-Network hospital **Prior Authorization required
***Plan pays benefits only after one or more family members satisfies the family deductible.
For additional information, please refer to your detailed plan summary. In the event of a discrepancy, the carrier Plan Document shall prevail.
4
HEALTH SAVINGS ACCOUNT
HEALTH SAVINGS ACCOUNT A Health Savings Account, or HSA, is a pre-tax savings account attached to a High Deductible Health Plan (HDHP). If you are enrolled in the Yosemite Plan you can open an HSA and you can put pre-tax money aside for Medical, Dental, Vision, & Prescription expenses.
WHO IS ELIGIBLE FOR AN HSA? Any employee who elects the Yosemite HSA plan.
WHY WOULD I WANT TO PUT MY MONEY INTO AN HSA? You can fund your HSA with pre-tax dollars, and then use the accumulated money to pay for medical, dental, vision, and prescription expenses. The money in your HSA accrues interest and the account is in your name - you can take your money with you to a new job and even into retirement. WHAT HAPPENS TO THE BALANCES IF I DON’T USE ALL THE MONEY BY THE END OF THE PLAN YEAR? Your HSA money rolls over from year to year, there is NO “use it or lose it” rule. WHO IS RESPONSIBLE FOR DETERMINING ELIGIBILITY OF EXPENSES? Eligibility of expenses is dictated by the IRS. Although verification is not required, we recommend that you be able to validate all expenses in case of an IRS audit. WHAT IS THE MAXIMUM AMOUNT I CAN CONTRIBUTE TO MY HSA? In 2024, you can put up to $4,150 for individual coverage and $8,300 for family coverage into your HSA. ADDITIONAL FUNDING Those 55 years of age or older, but not yet entitled to Medicare benefits, can fund an additional $1,000 per year "catch-up" contribution. Catch-up contributions can be made any time during the year in which the HSA participant turns 55.
INTEGRATED HEALTH REIMBURSEMENT ARRANGEMENT (HRA) All three* medical plans have access to travel and lodging reimbursement for covered reproductive services (i.e. abortion, vasectomy) that are unavailable within 100 miles of a members home. • Reimbursed expenses include: lodging, domestic airfare, mileage reimbursement and meals. • Each employee has access to up to $4,000 for themselves and their dependents. • Plan is administered by BRI. • Receipts and proof of covered service can be submitted online or through their mobile app www.briweb.com.
*Reimbursement is only available on the Yosemite plan if the deductible has been met.
For additional information, please refer to your detailed plan summary. In the event of a discrepancy, the carrier Plan Document shall prevail.
5
REGISTER FOR MYUHC.COM
REGISTRATION IS QUICK AND SIMPLE: 1. Go to myuhc.com. 2. Click the “Register Now” button. 3. Enter your name, date of birth and the account numbers from your health plan ID card. Or enter your Social Security number and date of birth. 4. Create a username and password. 5. Enter your email address and optional phone numbers and choose security questions. 6. Review and agree to the website policies and be sure to keep the email opt-in checked so you get relevant news and wellness information. 7. Upon registering, you will receive Explanations of Benefits, claim letters, regulatory notices, and other important information by email. You may choose to get paper communications at any time by changing your Mailing Preferences. ON MYUHC.COM, YOU CAN: • Check past and current statements and claim status. • Review eligibility and look up benefits. • Find a hospital or doctor, including UnitedHealth Premium® designated physicians. • Print a temporary health plan ID card or request a replacement card. • Take a health assessment and participate in online programs designed to help you set goals toward your health objectives. • Learn about health conditions, symptoms, and the latest treatment options. • Use the Personal Health Record to organize and store your health data in one convenient, confidential place.
GET ON-THE-GO ACCESS TO YOUR HEALTH PLAN When you’re out and about, you can do everything from managing your plan to getting convenient care. Just download the app to: • Find nearby care options in your network. • Video chat with a doctor 24/7. • View and share your health plan ID card. • See your claim details and view progress toward your deductible.
For additional information, please refer to your detailed plan summary. In the event of a discrepancy, the carrier Plan Document shall prevail.
6
UHC VIRTUAL CARE
With UnitedHealthcare’s Virtual Visits, you can see and talk to a doctor via mobile device or computer; 24/7, no appointment needed. The doctor can help with a broad range of conditions, ranging from medical to behavioral. If you are enrolled in a UnitedHealthcare plan, Virtual Visits come at no extra cost to you! To get started with a Virtual Doctor Visit, go to uhc.com/virtualvisits.
GET CARE IN 20 MINUTES OR LESS Use a Virtual Doctor Visit for these minor medical needs: • Allergies. • Bladder/urinary tract infection. • Bronchitis. • Cold/flu. • Fever. • Pinkeye. • Rash. • Sinus problems. • Sore throat. • Stomachache.
PREPARE FOR YOUR VIRTUAL VISIT Have these items ready to register and complete your Virtual Doctor Visit: • Health plan ID card. • Credit card. • Pharmacy location.
CURRENT PROVIDER PARTNERS
For additional information, please refer to your detailed plan summary. In the event of a discrepancy, the carrier Plan Document shall prevail.
7
UHC REWARDS
UHC REWARDS UnitedHealthcare Rewards is a program where employees and their spouses can earn dollars for reaching program goals and completing one- time activities. Participants can personalize their experience by what’s right for them — and the same goes for ways to spend earnings.
EARNING REWARDS With daily participation, there’s a potential to earn up to $300 per participant, per year with UHC Rewards.
REACH DAILY GOALS • Track 5,000 steps or 15 active minutes each day, or double it for an even bigger reward • Track 14 nights of sleep
COMPLETE ONE-TIME REWARD ACTIVITIES • Go paperless • Get a biometric screening • Take a health survey • Connect a tracker
REDEEMING REWARDS Earnings can be deposited directly into an Optum health savings account (HSA) or redeemed as an electronic Visa® gift card.
TO GET STARTED 1. Go to: www.myuhc.com 2. Select “UHC Rewards” 3. Activate “UHC Rewards” 4. Choose reward activities that inspire you, and start earning!
Or download the UnitedHealthcare app to activate your UHC rewards.
8
MEDICAL TERMINOLOGY
CALENDAR YEAR MAXIMUM Total dollar amount a plan pays during a calendar year toward the covered expenses of each person enrolled. COINSURANCE A percentage of the medical costs, based on the allowed amount, you must pay for certain services after you meet your annual deductible. COPAYMENT/COPAY A set dollar amount you pay for network doctors’ office visits, emergency room services and prescription drugs. DEDUCTIBLE Total dollar amount, based on the allowed amount, you must pay out-of-pocket for covered medical expenses each calendar year before the plan pays for most services. The deductible does not apply to network preventive care and any services where you pay a copayment rather than coinsurance. Some of your dental options also have an annual deductible, generally for basic and major dental care services. DEPENDENT COVERAGE Insurance coverage for family members of the policyholder, such as spouses, children, or partners. IN-NETWORK A doctor or facility providing care and has negotiated a contract rate with your health insurance company. You may not be balanced billed for amounts over the negotiated contract rate. NETWORK A group of health care providers, including dentists, physicians, hospitals and other health care providers, that agrees to accept pre-determined rates when serving members. OUT-OF-NETWORK A doctor or facility providing care and does not have a contract with your health insurance company. You may be balance billed for amounts over the percentage of costs paid by the insurance company (coinsurance).
OUT-OF-POCKET MAXIMUM The maximum amount of coinsurance a Plan member must pay towards covered medical expenses in a calendar year for both network and non-network services. Once you meet this out-of-pocket maximum, the Plan pays the entire coinsurance amount for covered services for the remainder of the calendar year. Deductibles and copays apply to the annual out-of-pocket maximum. PRESCRIPTION DRUG COVERAGE Health insurance or plan that helps pay for prescription drugs and medications. PREVENTATIVE CARE (PREVENTATIVE SERVICES) Routine health care, including screenings, check-ups, and patient counseling, to prevent or discover illness, disease or other health problems. PRIMARY CARE PHYSICIAN (PCP) The health care professional who monitors your health needs and coordinates your overall medical care, including referrals for tests or specialists. PROVIDER Any type of health care professional or facility that provides services under your plan. QUALIFYING EVENT An occurrence that qualifies the Subscriber to make an insurance coverage change outside of the Open Enrollment. SPECIALIST A physician specialist focuses on a specific area of medicine or a group of patients to diagnose, manage, prevent, or treat certain types of symptoms and conditions. A non-physician specialist is a provider who has more training in a specific area of health care. USUAL AND CUSTOMARY ALLOWANCE Usual and customary allowance is the amount of money that a particular health insurance company determines is the normal or acceptable range of payment for a specific health-related service or medical procedure.
9
DENTAL BENEFITS
Framebridge offers two dental plans, a Low plan and a High plan. Both utilize United HealthCare's National Options PPO 30 dental network. To find a provider go to www.myuhc.com.
DPPO LOW PLAN
DPPO HIGH PLAN
BENEFIT
IN-NETWORK
OUT-OF-NETWORK
IN-NETWORK
OUT-OF-NETWORK
Annual Deductible
Individual: $50 Family: $150
Individual: $50 Family: $150
Individual: $50 Family: $150
Individual: $50 Family: $150
Annual Benefit Maximum
$1,000 per person
$1,000 per person
$2,000 per person
$2,000 per person
Diagnostic & Preventive Services Oral examinations; Cleanings; Fluoride; Sealants; Bitewing Images; Full mouth series images; Space maintainers Basic Services Basic Restoration; General Services; Root Canal Therapy; Oral Surgery (includes surgical extraction); Simple extractions; Endodontics; Periodontics Major Services Bridges, Dentures and Other Removeable Prosthetics; Fixed Partial Dentures; Crowns, Inlays/Onlays/Crowns
100% deductible waived
100% deductible waived
100% deductible waived
100% deductible waived
70% after deductible
70% after deductible
90% after deductible
80% after deductible
40% after deductible
40% after deductible
60% after deductible
50% after deductible
Orthodontic Services (children only up to age 19) Lifetime Maximum
50% $1,000
50% $1,000
Not covered
Not covered
Dental Contributions Per Pay Period Employee Only Employee + Spouse Employee + Child(ren) Employee + Family
$2.34 $11.54 $10.48 $17.52
$6.21 $19.19 $18.63 $30.33
DENTAL BENEFITS THAT GIVE YOU FREEDOM AND CHOICE With the UnitedHealthcare Dental PPO Plan, you can see any dentist you want, anywhere you want, anywhere across the country. When you choose a dentist who is part of your plan’s large national network, you may receive discounted rates only available to members. PREVENTATIVE CARE When you see a network dentist, your plan pays for all or most of your preventative dental care, including routine checkups, cleanings and annual oral cancer screenings for adults. You can get two cleanings in a 12- month period. Oral Health is linked to overall health. That’s why we emphasize preventative care, so small dental problems don’t become big ones that negatively affect overall health.
EXTRA DENTAL VISITS WHEN YOU’RE PREGNANT Increased bacteria levels in a persons mouth can lead to tooth decay. Your plan covers extra visits for cleanings and gum treatments when you're pregnant, as recommended by your dentist. Ask your dentists to submit a claim to the address on your ID card. Be sure to include the name of your OB/GYN and your due date. BENEFITS ON THE GO Check the UnitedHealthcare Dental app, visit myuhc.com or call the number on the back of your ID card to learn more about your benefit summary.
• Find a neighborhood dentist. • Set appointment reminders. • Access helpful health tips.
For additional information, please refer to your detailed plan summary. In the event of a discrepancy, the carrier Plan Document shall prevail.
10
USING YOUR DENTAL BENEFITS
FIND A NETWORK DENTIST You have two options:
HOW YOUR PLAN WORKS Deductible - For services other than preventative care, you may have to pay a deductible (a set dollar amount) before your coverage kicks in. Cost-sharing - After paying your deductible, when having restorative services, you and your plan share the cost of services after you pay your deductible . (This is known as coinsurance, the percentage of costs you pay for covered dental care after you’ve paid your deductible). Annual limit - Your plan pays for services up to a set dollar amount, called an annual limit. Preventative services, including routine dental checkups, may count toward your annual limit. If you reach the limit, you'll need to pay the entire cost of any additional dental care you receive that year. Find your annual limit on myuhc.com or call the number on your ID card. Pre-treatment estimates - If you're planning to have a procedure that costs more than $500, ask your dentist to send UnitedHealthcare the X-rays and notes about your condition. We’ll review the treatment to make sure it’s clinically appropriate. After review, you and your dentist will get an estimate of what the plan will pay and what your out-of-pocket costs will be. Out-of-Network services - If you use a dentist Out-of-Network, you may need to pay the difference between what the plan covers and what your dentist charges for the services. Submit claims online - You can easily submit claims on myuhc.com. It only takes a few minutes, helps reduce errors and helps your get reimbursed faster.
1. Log in to myuhc.com and use the Find a Dentist tool to search by name, facility or location to see a list of network dentists. 2. Call the number on your ID card. If a network dental provider is not available within a reasonable distance of where you live or work, you may be referred to an Out-of-Network dental provider and still receive services at the network rate. Please use myuhc.com to see your official dental plan documents for details about your plan coverage or call the number on your ID card. YOUR DENTAL ID CARD Access your ID card anytime on your mobile app or myuhc.com. Your card lists the subscriber and everyone enrolled in the plan can use it. Be sure to bring it with you each time you see a dentist. ESTIMATE YOUR COSTS Use the Dental Cost Calculator on myuhc.com to calculate your out-of-pocket costs ahead of time 1. Select Coverage & Benefits. 2. Select Dental. 3. Select Dental Cost Calculator.
For additional information, please refer to your detailed plan summary. In the event of a discrepancy, the carrier Plan Document shall prevail.
11
VISION BENEFITS
Framebridge offers voluntary vision coverage through United HealthCare. Choose from thousands of independent and retail providers for the one that’s right for you. For a complete list of In -Network providers near you, visit www.myuhcvision.com.
VISION PLAN
SERVICE OR MATERIAL
IN-NETWORK
OUT-OF-NETWORK
FREQUENCY
Eye Exam
100% after $10 copay
Up to $40 allowance
Every 12 months
Lenses Single Vision Lined Bifocal Lined Trifocal Lenticular
100% after $10 copay 100% after $10 copay 100% after $10 copay 100% after $10 copay
Up to $40 allowance Up to $60 allowance Up to $80 allowance Up to $80 allowance
Every 12 months
Contact Lenses (In lieu of glasses) Covered Selection Contacts Medically Necessary Non-Selection Contacts
Up to 4 boxes 100% after $10 copay Up to $130 allowance
Up to $130 allowance Up to $210 allowance Up to $130 allowance
Every 12 months
Frames Private Practice Provider
100% after $25 copay up to $130 allowance 100% after $25 copay up to $130 allowance
Up to $45 reimbursement
Every 24 months
Retail Chain Provider
Up to $45 reimbursement
Vision Contributions Per Pay Period Employee Only Employee + Spouse Employee + Child(ren) Employee + Family
$0.58 $2.76 $2.91 $4.28
For additional information, please refer to your detailed plan summary. In the event of a discrepancy, the carrier Plan Document shall prevail.
12
VISION BENEFIT
VISION DISCOUNTS - LASER VISION UnitedHealthcare has partnered with QualSight LASIK, the largest LASIK manager in the United States, to provide our members with access to discounted laser vision correction providers. Member savings represent up to 35% off the national average price of Traditional LASIK. Contracted prices start at $945 per eye for Traditional LASIK and $1,395 per eye for Custom LASIK. Discounts are also provided on newer technologies such as Custom Bladeless (all laser) LASIK. For more information, visit myuhcvision.com or call 800.638.3120. ADDITIONAL MATERIAL At a participating In-Network provider you will receive up to a 20% discount on an additional pair of eyeglasses or contact lenses. This program is available after your vision benefits have been exhausted. Please note that this discount shall not be considered insurance and that UnitedHealthcare shall neither pay nor reimburse the provider or member for any funds owed or spent. Additional materials do not have to be purchased at the time of initial material purchase. HEARING AIDS As a UnitedHealthcare vision plan member, you can save on custom-programmed hearing aids when you buy them from UnitedHealthcare Hearing. To find out more go to UHCHearing.com. When placing your order use promo code MYVISION to get the special discount price.
ACTIVATE YOUR VISION DISCOVER MYUHCVISION.COM Visit our easy-to-use self-service member website to do the following and much more: • Verify benefits and eligibility. • Find answers to frequently asked questions. • Locate a provider.
A FEW THINGS TO LOOK FOR WHEN YOU GET THERE
• Access or registration to online plan access. • Provider locator using your ZIP code or city and state. • Educational information and videos to help keep your eyes healthy. • Answers to common questions about using the website. • Links to special offers and other services. • Lens and contact coverage details. • Special contact, Lasik, and hearing aid offers. • Benefits summaries and more.
• Access online offers and services. • Print a member ID card (optional).
Download the UnitedHealthcare® app. The UHC app puts your vision plan at your fingertips.
For additional information, please refer to your detailed plan summary. In the event of a discrepancy, the carrier Plan Document shall prevail.
13
LIFE AND ACCIDENTAL DEATH & DISMEMBERMENT
It’s not easy to imagine a scenario where you’re not there for your family. However, our coverage through Mutual of Omaha ensures that there is a back up plan should the worst occur. BASIC LIFE AND ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) Framebridge offers employees life and accidental death and dismemberment insurance through Mutual of Omaha with a maximum benefit of $20,000. Framebridge pays for the cost of this benefit on behalf of employees.
BENEFIT
BASIC LIFE
Life Benefit Amount
$20,000
AD&D Benefit Amount
$20,000
Reduces to 65% of original amount at age 65 Reduces to 50% of original amount at age 70
Reduction of Benefits Schedule
GLOSSARY
• Life Benefit: A policy that pays a beneficiary a specified death benefit amount when the insured dies. • AD&D Benefit: This is paid, in addition to the life benefit, if you die in a covered accident. It also pays if you suffer a covered dismemberment. • Accelerated Life Benefit: If you become terminally ill with less than 12 months to live, you have access to part of your life benefit early, up to your plan's maximum. Applies to active employees only.
Make sure your life and accident death benefits will be paid as you intend.
Your beneficiary is the person or estate that will receive a benefit payment in the event of your death. Make sure you name a beneficiary when you are first eligible for life and AD&D benefits. Then, make sure to review your beneficiary designation and make any necessary changes as your personal situation changes.
For additional information, please refer to your detailed plan summary. In the event of a discrepancy, the carrier Plan Document shall prevail.
14
SUPPLEMENTAL LIFE AND AD&D BENEFITS
VOLUNTARY LIFE AND AD&D INSURANCE Voluntary Life and AD&D insurance through Mutual of Omaha is available to all eligible employees. Premiums are based on your age and coverage amount. Employees may choose benefit amounts up to the lesser of $500,000 or five times the employee’s annual salary. If an employee elects voluntary life and AD&D insurance, they may also elect coverage for their dependents. Spousal coverage is available in increments of $5,000, not to exceed 100% of the employee’s benefit amount up to $250,000. Coverage for children 6 months and older is available in increments of $1,000, not to exceed $10,000. New hires are eligible up to the guaranteed issue listed in the chart below. If you have previously been eligible for benefits and elect this coverage you will need to complete an Evidence of Insurability (EOI) form. Please see Human Resources for more information. Employee’s are responsible for the entire cost of this benefit.
BENEFIT
EMPLOYEE
SPOUSE
CHILDREN
Benefit Increments
Increments of $10,000
Increments of $5,000
Increments of $1,000
Minimum Benefit Amount
$10,000
$5,000
$2,000
Maximum Benefit Amount
$500,000 Coverage cannot exceed 5 times your annual salary
$250,000 Coverage cannot exceed 100% of the Employee’s Optional life coverage
$10,000 Coverage cannot exceed 100% of the Employee’s Optional life coverage
Guaranteed Coverage Amount*
$100,000
$30,000
$10,000
*Guaranteed coverage means the maximum amount of coverage available without Evidence of Insurability.
VOLUNTARY LIFE AND AD&D INSURANCE MONTHLY RATES
Employee/Spouse Rates
Child(ren) Rate
RATE PER $1,000 OF BENEFIT
RATE PER $1,000 OF BENEFIT
RATE PER $1,000 OF BENEFIT
PER $1,000 CHILD UNIT
AGE
AGE
AGE
AGE
UNDER 25
$.100
40-44
$0.170
60-64
$1.030
BIRTH TO AGE 26
$0.160
25-29
$0.100
45-49
$0.280
65-69
$1.820
30-34
$0.110
50-54
$0.440
70-74
$3.230
35-39
$0.120
55-59
$0.670
75-79
$5.310
*Spouse Premium is based on employee’s age.
For additional information, please refer to your detailed plan summary. In the event of a discrepancy, the carrier Plan Document shall prevail.
15
DISABILITY BENEFITS
SHORT TERM DISABILITY INSURANCE Framebridge offers short term disability insurance if you have a qualified disability and are unable to work. This coverage will pay you 60% of your weekly salary up to a maximum of $1,000 per week. This will cover you up to a period of 13 weeks as long as you are disabled. Benefits begin on the 8th day of a sickness and 1st day of an accident. Framebridge pays for the cost of this benefit on behalf of employees.
BENEFIT
STD
Benefit Amount
60% of weekly earnings
Maximum Benefit
$1,000 per week
Benefit Duration
Up to 13 weeks
When Benefits Begin
Sickness: 8th Day, Accident: 1st Day
LONG TERM DISABILITY INSURANCE Framebridge offers long term disability to protect income in case of an injury, illness, or disease that causes you to be partially or totally disabled for longer than a 90-day period. Benefit percentage is 60% level of base salary up to a maximum monthly benefit of $6,000. Framebridge pays for the cost of this benefit on behalf of employees.
BENEFIT
LTD
Minimum Hours Per Week
32 hours
Definition of Disability
2 Year Own Occupation
Benefit Amount
60% of your monthly earnings
Maximum Benefit
$6,000 per month
Duration
SSNRA (Social Security Normal Retirement Age)
Elimination Period
90 days
Pre-Existing Conditions Limitations*
3/12
* A “Pre - Existing Condition” means the insured employee received medical treatment, consultation, care or services including diagnostic measures or took prescribed drugs or medicines in the 3 months just prior to his/ her effective date of coverage; and the disability begins in the first 12 months after the employee’s effective date of coverage unless you have been treatment free for 12 consecutive months after your effective date of coverage.
For additional information, please refer to your detailed plan summary. In the event of a discrepancy, the carrier Plan Document shall prevail.
16
EMPLOYEE ASSISTANCE PROGRAM
Life’s not always easy. Sometimes a personal or professional issue can affect your work, health and general well- being. When facing life’s challenges, you often turn to family or friends for support. But sometimes that’s not enough. Sometimes you need an experienced professional to talk with to know you’re not alone. Mutual of Omaha’s Employee Assistance Program (EAP) assists employees and their eligible dependents with personal and job-related concerns, including: • Emotional well-being. • Family and relationships. • Legal and financial. • Healthy lifestyles. • Work and life transitions. EAP BENEFITS As an employee, or eligible dependent, of your company your EAP benefits include: • Access to EAP professionals 24 hours a day, seven days a week. • Information and referral services. • Service for employees and eligible dependents. • Robust network of licensed and /or certified mental health professionals. • Six face-to-face sessions with a counselor (per household per calendar year). • Legal and financial resources. • Online will preparation. • Legal library and online forms. • Financial tools & resources. • Resources for: • Work/life balance. • Substance use. • Dependent and Elder Care resources. Access to a library of educational articles, handouts and resources via mutualofomaha.com/eap.
HIGHLY TRAINED, EXPERIENCED EAP STAFF Our EAP staff members are all licensed, master’s level Employee Assistance Professionals. They provide a solution-focused approach by assessing your situation and referring to the appropriate resources necessary. WHAT TO EXPECT When you call, you will speak directly to an EAP professional to receive immediate support and guidance. You can entrust your EAP professional to assess your needs and handle your concerns in a confidential, respectful manner. Our goal is to collaborate with you and find solutions that are responsive to your needs. Your EAP benefits are provided through your employer. There is no cost to you for utilizing EAP services. If additional resources are needed, your EAP professional can assist by locating affordable solutions in your area. EAP CONSULTATIONS Mutual of Omaha’s Employee Assistance Program provides professional, confidential quality consultation, 24 hours a day.
Don’t delay if you need help Visit mutualofomaha.com/eap or call 800.316.2796 for confidential consultation and resource services.
For additional information, please refer to your detailed plan summary. In the event of a discrepancy, the carrier Plan Document shall prevail.
17
MUTUAL OF OMAHA EXTRAS
WILL PREPARATION SERVICES Creating a will is an important investment in your future. It specifies how you want your possessions to be distributed after you die. Whether you’re single, married, have children or are a grandparent, your will should be tailored for your life situation.
That’s why it’s good you have access to FREE online will preparation services provided by Epoq, Inc. (Epoq).
Easy, Free and Secure Epoq offers a secure account space that allows you to prepare wills and other legal documents. Create a will that’s tailored to your unique needs from the comforts of your own home.
Epoq provides the following FREE documents: • Last Will and Testament. • Power of Attorney. • Healthcare Directive. • Living Trust.
Here’s how it works: • Log on to www.willprepservices.com and use the code MUTUALWILLS to register. • Answer the simple questions and watch the customization of your document happen in real time. • Download, print and share any document instantly. • Don’t forget to update your documents with any major life changes, including marriage, divorce, and birth of a child. • Make the document legally binding — Check with your state for requirements.
Create your will at www.willprepservices.com and use the code MUTUALWILLS to register
For additional information, please refer to your detailed plan summary. In the event of a discrepancy, the carrier Plan Document shall prevail.
18
COMMUTER BENEFITS
COMMUTER BENEFIT PLAN Framebridge offers employees a way to save money on transit and parking expenses through a commuter benefit plan administered by Benefit Resource, Inc. Employees can set aside payroll deductions on a tax-free basis in separate accounts to pay for qualified workplace mass transit and parking expenses. The IRS limit is $315 per month for both transit and parking.
ACCOUNT TYPE
ELIGIBLE EXPENSES
MONTHLY CONTRIBUTION LIMITS*
ACCESS TO FUNDS
Transit Account
Between $10 and $315 on a pre-tax basis Any amount above $315 will be deducted post-tax** Between $10 and $315 on a pre-tax basis Any amount above $315 will be deducted after-tax **
•
Ferry, Train, bus and subway passes (MetroCard's) Vanpool Uber Pool/Lyft ride sharing Parking at or near your work location or mass transit (used for commuting)
Request reimbursement up to the maximum monthly amount allowed per month
•
Parking Account
•
*Your contributions are deducted per paycheck. **Must be elected as an after-tax benefit
For additional information, please refer to your detailed plan summary. In the event of a discrepancy, the carrier Plan Document shall prevail.
19
PET INSURANCE
PET BENEFIT PLAN Your pets are part of your family, and you’ll do anything to keep them happy and healthy. But with the cost of pet care on the rise, it isn’t always easy. That’s why we’re offering Total Pet Plan, which makes pet care more affordable. Enroll in Total Pet and get the same high-quality products and services your pets are used to, just at a lower price! For more details and how to enroll, visit petbenefits.com/land/framebridge. • Prescription, preventatives, food, toys and more discount up to 50% off. The plan also includes free shipping or same day pickup at over 60,000 Caremark pharmacies like CVS, Walmart, or Target. • Veterinary Discount Plan that provides a 25% discount on in-house medical services at any participating vet and Lost Pet Recovery Service from ThePetTag. If your vet is not currently participating, you can invite their practice to join at petassure.com/search. Pet Assure offers no exclusions for type, breed, age, or pre-existing conditions. • Lost pet recovery service with a durable tag that can be scanned from any smart phone to access your contact information, helping lost pets return home. • A 24/7 pet telehealth with access to real-time vet support, even when your vets office is closed.
COST PER PAY
One pet
$5.43
Two or more pets
$8.54
For additional information, please refer to your detailed plan summary. In the event of a discrepancy, the carrier Plan Document shall prevail.
20
401(K) RETIREMENT PLAN
Framebridge offers three types of retirement plans to eligible employees - a before-tax plan, an after-tax plan, and a Roth 401(k). A Roth 401(k) is funded with after-tax dollars (taxed now), and withdrawals are tax-free during retirement, while a "traditional" before-tax 401(k) is funded with pretax dollars (taxed later), and withdrawals are taxed as income during retirement. The plan also offers employees the ability to take a loan from their 401(k).
ELIGIBILITY All full-time and part-time Framebridge employees are eligible to enroll and contribute on their first day and are immediately vested in the plan. ENROLLMENT Enroll in Framebridge’s 401(k) by logging into your Graham Holdings OneLogin portal (ghco.onelogin.com) and selecting the Vanguard tile. You can select the percentage of your pay you would like to contribute per pay period. This amount is a percentage of your gross pay and can be adjusted anytime. You can contribute up to $23,000 annually, subject to IRS regulations and plan rules. For employees over the age of 50, you can contribute an additional $7,500 above the yearly IRS limit. REVIEW YOUR ACCOUNT Vanguard makes it easy to change your investment elections and view the performance of your retirement account. To view your Vanguard account - go to vanguard.com/retirementplans and enter your login info or create a username and password. Our Plan Number is 091600. If you need assistance creating an account or have questions about the retirement plan through Vanguard, please contact the People and Culture team or call Vanguard participant services at 800-523-1188.
For additional information, please refer to your detailed plan summary. In the event of a discrepancy, the carrier Plan Document shall prevail.
21
THE COMPANY CONTRIBUTION PLAN
We’re always looking for the best ways to support you. That’s why we’re excited about the Company Contribution Plan. It’s our plan to help you save for the future— no questions asked. By which we mean, we’ll contribute to the Company Contribution Plan for your retirement even if you decide not to contribute to the 401(k) (though we think you should, and doing so could go a long way toward helping you reach your retirement goals!). This account is only for Company contributions. (But you can — and should — contribute to your 401(k).) And even better? You don’t need to take any action to get this contribution. That’s right. This is not a Company match —it’s a no -questions-asked contribution to your retirement. Which we think is pretty cool. • All Company contributions to your retirement will go into your Company Contribution Plan Account. You do not need to take any action — you'll be automatically enrolled in this plan. • Framebridge will make an employer contribution of 6% to your pension account based on eligible annual compensation. • The Company contribution isn’t dependent on what you save in the 401(k), like a 401(k) match is. Meaning if you need to change your 401(k) contribution amount, the amount deposited on your behalf to the Company Contribution Plan won’t be impacted. HERE’S WHAT YOU NEED TO KNOW:
• Company contributions will be credited monthly.
• If eligible, you immediately qualify for the company contribution benefit. You do not need to take any action to have this account.
• You will be vested in the account after one year of employment. If you’re already vested in the Cash Balance Plan, you’re immediately vested in the Company Contribution Plan. Once again, no action is required.
• The Company Contribution Plan isn’t dependent on the financial markets to grow. And your balance won’t be impacted by downturns in the economy.
22
HOW THE PLANS COMPARE
You have at least two ways to save for retirement — the Company Contribution Plan and the 401(k). But the accounts work differently, from who contributes to how the money grows. Here’s some more info on how they work:
23
ADDITIONAL BENEFITS & PERKS
FREE FRAMES Employees receive three discount codes, good for up to $250 per order, and 25% off on all other orders from Framebridge. Discount codes will be emailed within the first month of employment. Employees must place orders on our website, app, or retail store. Items purchased using the employee discount may not be purchased for another customer or resold. GRAHAM HOLDINGS DISCOUNTS As an additional benefit of being part of Graham Holdings, employees receive discounts to affiliated companies and other discounts through Benefithub (Use code: FOESV4). These employee discounts are on the GHConnect tile on the OneLogin homepage - ghco.onelogin.com. MATCHING GIFTS PROGRAM Graham Holdings will match charitable donations to eligible organizations up to $2,000 per year. To be eligible, employees must be full-time with at least one year of service. Requests for matching can be made on the Matching Gifts Portal on the OneLogin homepage. CANDIDLY Employees enrolled in the 401(k) plan with Vanguard can access Candidly for free through the Vanguard account portal. Candidly is a platform that can help reduce and pay down student loan debt. GIFT OF KNOWLEDGE Employee discounts are available for programs and courses offered by Purdue University Global and Kaplan exam prep. Full-time employees who enroll in undergraduate and graduate programs receive between 50% and 90% off tuition at Purdue University Global, depending upon their tenure with Framebridge.
24
ANNUAL NOTICES
NEWBORNS’ AND MOTHERS’ HEALTH PROTECTION ACT OF 1996 (NEWBORN’S ACT) Group health plans and health insurance issuers generally may not, under federal law, restrict benefits for any hospital length of stay in connection with childbirth for the mother or newborn child to less than 48 hours following a vaginal delivery, or less than 96 hours following a cesarean section. However, federal law generally does not prohibit the mother's or newborn's attending provider, after consulting with the mother, from discharging the mother or her newborn earlier than 48 hours (or 96 hours as applicable). In any case, plans and issuers may not, under federal law, require that a provider obtain authorization from the plan or the issuer for prescribing a length of stay not in excess of 48 hours (or 96 hours). THE WOMEN’S HEALTH A ND CANCER RIGHTS ACT OF 1998 (WHCRA, ALSO KNOWN AS JANET’S LA W) Under WHCRA, group health plans, insurance companies and health maintenance organizations (HMOs) offering mastectomy coverage must also provide coverage for reconstructive surgery in a manner determined in consultation with the attending physician and the patient. Coverage includes reconstruction of the breast on which the mastectomy was performed, surgery and reconstruction of the other breast to produce a symmetrical appearance, and prostheses and treatment of physical complications at all stages of the mastectomy, including lymph edemas. Call your Plan Administrator for more information. QUALIFIED MEDICAL CHILD SUPPORT ORDER (QMCSO) QMCSO is a medical child support order issued under State law that creates or recognizes the existence of an “alternate recipient’s” right to receive benefits for which a participant or beneficiary is eligible under a group health plan. An “alternate recipient” is any child of a participant (including a child adopted by or placed for adoption with a participant in a group health plan) who is recognized under a medical child support order as having a right to enrollment under a group health plan with respect to such participant. Upon receipt, the administrator of a group health plan is required to determine, within a reasonable period of time, whether a medical child support order is qualified, and to administer benefits in accordance with the applicable terms of each order that is qualified. In the event you are served with a notice to provide medical coverage for a dependent child as the result of a legal determination, you may obtain information from your employer on the rules for seeking to enact such coverage. These rules are provided at no cost to you and may be requested from your employer at any time. SPECIAL ENROLLMENT RIGHTS (HIPAA) If you have previously declined enrollment for yourself or your dependents (including your spouse) because of other health insurance coverage, you may in the future be able to enroll yourself or your dependents in this plan, provided that you request enrollment within 30 days after your other coverage ends. 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, provided that you request enrollment within 30 days after the marriage, birth, adoption, or placement for adoption.
dependents (including spouse) for up to 24 months while in the military. Even if you do not elect to continue coverage during your military service, you have the right to be reinstated in your employer’s health plan when you are reemployed, generally without any waiting periods or exclusions for pre existing conditions except for service-connected injuries or illnesses. MICHELLE’S LAW Michelle’s Law permits seriously ill or injured college students to continue coverage under a group health plan when they must leave school on a full-time basis due to their injury or illness and would otherwise lose coverage. The continuation of coverage applies to a dependent child’s leave of absence from (or other change in enrollment) a postsecondary educational institution (college or university) because of a serious illness or injury, while covered under a health plan. This would otherwise cause the child to lose dependent status under the terms of the plan. Coverage will be continued until: 1. One year from the start of the medically necessary leave of absence, or 2. The date on which the coverage would otherwise terminate under the terms of the health plan; whichever is earlier. MENTAL HEALTH PARITY AND ADDICTION EQUITY ACT OF 2008 This act expands the mental health parity requirements in the Employee Retirement Income Security Act, the Internal Revenue Code and the Public Health Services Act by imposing new mandates on group health plans that provide both medical and surgical benefits and mental health or substance abuse disorder benefits. Among the new requirements, such plans (or the health insurance coverage offered in connection with such plans) must ensure that: The financial requirements applicable to mental health or substance abuse disorder benefits are no more restrictive that the predominant financial requirements applied to substantially all medical and surgical benefits covered by the plan (or coverage), and there are no separate cost sharing requirements that are applicable only with respect to mental health or substance abuse disorder benefits. GENETIC INFORMATION NON-DISCRIMINATION ACT (GINA) GINA broadly prohibits covered employers from discriminating against an employee, individual, or member because of the employee’s “genetic information,” which is broadly defined in GINA to mean (1) genetic tests of the individual, (2) genetic tests of family members of the individual, and (3) the manifestation of a disease or disorder in family members of such individual. GINA also prohibits employers from requesting, requiring, or purchasing an employee’s genetic information. This prohibition does not extend to information that is requested or required to comply with the certification requirements of family and medical leave laws, or to information inadvertently obtained through lawful inquiries under, for example, the Americans with Disabilities Act, provided the employer does not use the information in any discriminatory manner. In the event a covered employer lawfully (or inadvertently) acquires genetic information, the information must be kept in a separate file and treated as a confidential medical record, and may be disclosed to third parties only in very limited situations.
The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) requires employers who provide medical coverage to their employees to offer such coverage to employees and covered family members on a temporary basis when there has been a change in circumstances that would otherwise result in a loss of such coverage [26 USC §4980B ] This benefit, known as “continuation coverage,” applies if, for example, dependent children become independent, spouses get divorced, or employees leave the employer. Effective April 1, 2009 employees and dependents who are eligible for coverage, but who have not enrolled, have the right to elect coverage during the plan year under two circumstances: • The employee’s or dependent’s state Medicaid or CHIP (Children's Health Insurance Program) coverage terminates because the individual cease to be eligible. • The employee or dependent becomes eligible for a CHIP premium assistance subsidy under state Medicaid or CHIP (Children's Health Insurance Program). Employees must request this special enrollment within 60 days of the loss of coverage and/or within 60 days of when eligibility is determined for the premium subsidy. PREMIUM ASSISTANCE UNDER MEDICAID AND CHILDREN’S HEALTH IN SURANCE PROGRAM (CHIP) 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 aren’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. CHILDREN'S HEALTH INSURANCE PROGRAM REAUTHORIZATION ACT (CHIPRA) If you or your dependents are eligible for premium assistance under Medicaid or CHIP, as well as eligible under your employer plan, your employer must allow you to enroll in your employer plan if you aren’t already enrolled. This is called a “special enrollment” opportunity, 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). 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 July 31, 2023.
ALASKA – Medicaid The AK Health Insurance Premium Payment Program Website: http://myakhipp.com/ Phone: 1-866-251-4861 Email: CustomerService@MyAKHIPP.com Medicaid Eligibility: https://health.alaska.gov/dpa/ Pages/default.aspx
ARKANSAS – Medicaid Website: http://myarhipp.com/ Phone: 1-855-MyARHIPP (855-692-7447)
CALIFORNIA – Medicaid Health Insurance Premium Payment (HIPP) Program Website: http://dhcs.ca.gov/hipp Phone: 1-916-445-8322/Fax: 1-916-440-5676 Email: hipp@dhcs.ca.gov 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://hcpf.colorado.gov/child-health-plan plus CHP+ Customer Service: 1-800-359-1991/State Relay 711. Health Insurance Buy-In Program (HIBI): https:// www.mycohibi.com/ HIBI Customer Service: 1-855-692-6442 FLORIDA – Medicaid Website: https://www.flmedicaidtplrecovery.com/ flmedicaidtplrecovery.com/hipp/index.html Phone: 1-877-357-3268 GEORGIA – Medicaid GA HIPP Website: https://medicaid.georgia.gov/ health-insurance-premium-payment-program-hipp Phone: 1-678-564-1162, Press 1 GA CHIPRA Website: https://medicaid.georgia.gov/ programs/third-party-liability/childrens-health insurance-program-reauthorization-act-2009-chipra. Phone: 1-678-564-1162, Press 2 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: https://www.in.gov/ medicaid/ Phone: 1-800-457-4584 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 HIPP Website: https://dhs.iowa.gov/ime/members/ medicaid-a-to-z/hipp HIPP Phone: 1-888-346-9562 KANSAS – Medicaid Website: https://www.kancare.ks.gov/ Phone: 1-800-792-4884/HIPP Phone: 1-800-967-4660 KENTUCKY – Medicaid 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
Contact your State for more information on eligibility –
COVERAGE EXTENSION RIGHTS UNDER THE UNIFORMED SERVICES EMPLOYMENT AND REEMPLOYMENT RIGHTS ACT (USERRA)
ALABAMA – Medicaid Website: http://myalhipp.com/ Phone: 1-855-692-5447
If you leave your job to perform military service, you have the right to elect to continue your existing employer-based health plan coverage for you and your
CONSOLIDATED OMNIBUS BUDGET RECONCILIATION ACT (COBRA)
25
Made with FlippingBook Digital Proposal Maker