2024 ATI Benefits

Administered by BlueCross BlueShield of Illinois (BCBSIL)

ATI offers three medical plans. In addition to the Standard PPO Plan, we offer 2 High Deductible Health Plans (HDHP).

Choice is important when selecting the right medical plan. Take the time to learn about your options to ensure you select the right plan for you and your family. All plans have access to the BCBSIL PPO Network. Each plan pays benefits for in-network and out-of network services.

• High Deductible Health Plan (HDHP 5000): $5,000 single/$9,100 family
• High Deductible Health Plan (HDHP 3000): $3,000 single/$6,000 family
• Standard PPO Plan

MDLive Telemedicine

MDLIVE is available for all ATI medical plan participants regardless of the plan you enroll in. The MDLIVE benefit gives you access to physicians on-line, via phone call or mobile app and allows you to request prescriptions during or after normal business hours - including nights, weekends and holidays. You can also use MDLIVE for non-emergency medical care and for when you need medical care while traveling.

They can treat conditions that are easily diagnosed such as ear/sinus infections, headache, respiratory conditions, sore throats, UTI, cold and flu, and Behavioral Health Visits.

For the HDHP, the cost is less than a regular visit and for the Standard PPO plan the copay is the same as an office visit. Plus, it allows you to connect with a doctor in the comfort of your home or office without needing a pre-scheduled appointment. Most visits take around 10-15 minutes and if needed, a doctor can write a prescription for you (some states have limitations) that you can pick up at your local pharmacy.

Prescription Program
Every year drugs are moved on and off the Performance Drug List, while others may have a generic become available. We encourage you to check the Performance Drug List every year to avoid surprises at the pharmacy. For additional details on the prescription drug program, please refer to the Medical Plan Comparison chart on page 5 of the benefit guide.

As an added benefit the 90DayMyWay program allows you to receive a 90-day supply of maintenance drugs from one of the extended supply pharmacies or through the mail order program with AllianceRx Walgreens Prime. For a listing of maintenance drugs, you may access the website at www.bcbsil.com or contact customer service at the toll-free number on the back of your identification card.

Specialty Pharmacy
Specialty medicines are generally higher-cost medicines that require extra support to manage and administer. These medicines are used to treat chronic (long-term) and complex conditions.

Administered by MetLife

This plan offers you the flexibility to visit any licensed dentist, but you will stretch your benefit dollars by visiting a dentist in MetLife's dental PPO network. MetLife's In-Network dentists have agreed to accept negotiated fees for covered services, which are typically 30-45% less than the average fees charged by Out-of-Network dentists in the same community.

Preventive services, such as cleanings and regular check-ups, are covered at 100% with no deductible both In-Network and Out-of- Network. 

Administered by MetLife

Your vision benefits with MetLife allow you to visit the vision provider of your choice. MetLife has made it easier to access In-Network vision benefits with the addition of Walmart vision centers. If you prefer to shop for frames from your home, the Eyeconic benefit is an In-Network provider that allows you to virtually try on the latest frames.

Administered by Reliance Standard

When you suffer an on- or off-the-job accident such as a burn or broken bone, Accident Insurance through Reliance Standard provides a lump-sum cash benefit based on your injury(s) and the treatment you receive. These benefits are paid on top of what your health insurance covers and can be used at your discretion. This policy also pays an additional 25% on each benefit for injuries sustained by a child under age 18 in a school-sanctioned sport or a competitive sport requiring registration. And every year that you and a covered spouse complete a qualified health screening, you are eligible for a $75 HealthScreening Benefit.

Example Benefits*

Ambulance (ground)	$150
Diagnostic Examination	$200 per CT/MRI scan
Emergency Treatment	$225
Hospital Admission	$1,000
Hospital Confinement	$600 per day, 30 days maximum

 

 

*This is not a comprehensive list of covered injuries and treatments. Speak to a benefit counselor for a complete list of covered events. Limitations may apply.

Administered by Reliance Standard

No one can be completely prepared when a critical illness strikes, but if you or a loved one is diagnosed with a covered condition such as cancer, stroke, or heart attack, Critical Illness Insurance through Reliance Standard provides a lump-sum cash benefit to help pay for out-of-pocket medical expenses or any other bills that need attention, including rent or groceries. It can help provide financial protection so you can focus on what’s really important — getting better. You also have the option of picking your level of coverage so you can make sure you have the right protection for your family. And every year that you and a covered spouse complete a qualified health screening, you are eligible for a $50 Health Screening Benefit.

During this new hire enrollment period only, enroll without answering medical questions!

 

Administered by Reliance Standard

ATI offers Hospital Indemnity under Reliance Standard. We are also pleased to offer a new buy-up option through Reliance. Please see summary
of benefits below.

Even with health insurance, a stay in the hospital can become very costly very quickly as out-of-pocket charges begin to add up. Hospital Indemnity Insurance can reduce the financial and emotional stress of a hospital stay by providing a lump-sum cash benefit directly to you that can be used however you need, whether that’s for coinsurance or childcare.

Enroll without answering medical questions!

Example Benefits*

Hospital Admission	$500
Daily Hospital Confinement	$100 per day, 15 days maximum
ICU Admission	$1,000
Daily ICU Confinement	$200, 15 days maximum

*This is not a comprehensive list of covered benefits. Speak to a benefit counselor for a complete list of covered events. Limitations may apply.

A new and innovative, high-touch support program designed to provide an individual and their family with the genetic testing, dedicated resources, and technology needed to effectively navigate cancer while improving the chances of survival. Some features include:

• Nurse advocacy
• Comprehensive genomic profiling
• Peer-to-peer physician consult
• Expert pathology review
• Much more

Administered by MetLife

The MetLife Legal Plan provides easy, direct access to a national network of attorneys who provide
telephone advice and office consultations on personal legal matters. Examples of covered legal services include:

• Preparation of wills and trusts
• Real estate matters
• Debt matters
• Consumer protection
• Document preparation and review
• Traffic matters
• Juvenile matters
• Family law

 

Administered by Nationwide

Pet Insurance will help cover your expenses if your pet is sick or injured and needs prescriptions, diagnostic tests, hospitalization or surgeries. The plans reimburse eligible veterinary expenses relating to accidents, illnesses and injuries to dogs, cats, birds and exotic pets. The premium for this coverage will be made through convenient biweekly payroll deduction.

• You can select the deductible and coinsurance to fit your budget
• You also have 24/7 access to the vet helpline for veterinarian support

Administered by Norton LifeLock

Enrolling in one of the NortonLifeLock plans, either Benefit Essential or Premier, is an important step in helping to protect your identity, personal information and connected devices. From the moment you become a member, you will receive communications about your membership, keeping you up to date on information you need to know.

If you have a personal policy (not with ATI) and choose to enroll, you must cancel your current LifeLock policy, then enroll with NortonLifeLock to confirm your identity, create your account and register accounts and devices.

In addition to traditional personal information and financial account protection, included with your NortonLifeLock membership is:

• Password manager
• Automatic password changer
• Digital wallet for storing credit card and bank account details
• Parental controls for monitoring and managing kids’ online activity
• Device security protection from malware threats
• Cloud backup as an extra layer of protection from malware, stolen devices, ransomware and hard drive failures

 

 

Administered by ACI Specialty Benefits

ATI’s Employee Assistance Program (EAP) provides professional and confidential services to help employees and family members address a variety of personal, family, life and work-related issues.

Confidential and professional assessment and referral services for employees and their family members. From the stress of everyday life to relationship issues or even work-related concerns, the EAP can help with any issue affecting overall health, wellbeing and life management.

• Unlimited telephonic sessions of professional assessment for employees and family members
• Unlimited child care and elder care referrals
• Legal consultation for unlimited number of issues per year
• Financial consultation for unlimited number of issues per year
• Unlimited pet care consultation
• Unlimited education referrals and resources
• Unlimited referrals and resources for any personal service
• Unlimited community-based resource referrals
• Online legal resource center
• Affinity™ online work-life website
• myACI app for mobile access
• Multicultural and Multilingual providers available nationwide

Administered by Purchasing Power

When paying with cash or credit is challenging, Purchasing Power helps you buy brand-name computers, appliances, and more. You get your product upfront, with payment made over 6 or 12 months - taken directly from your paycheck.

There is no interest, hidden fees or credit checks. You can browse thousands of brand-name products and services on the Purchasing Power site. Need a new dishwasher? Computer?

You must be employed at ATI for at least 12 months to be eligible. 

Click here to download FAQs. 

Administered by Reliance Standard

ATI offers Hospital Indemnity under Reliance Standard. We are also pleased to offer a new buy-up option through Reliance. Please see summary
of benefits below.

Even with health insurance, a stay in the hospital can become very costly very quickly as out-of-pocket charges begin to add up. Hospital Indemnity Insurance can reduce the financial and emotional stress of a hospital stay by providing a lump-sum cash benefit directly to you that can be used however you need, whether that’s for coinsurance or childcare.

Enroll without answering medical questions!

Example Benefits*

Hospital Admission	$500
Daily Hospital Confinement	$100 per day, 15 days maximum
ICU Admission	$1,000
Daily ICU Confinement	$200, 15 days maximum

*This is not a comprehensive list of covered benefits. Speak to a benefit counselor for a complete list of covered events. Limitations may apply.

Administered by HealthEquity

ATI partners with HealthEquity to administer our employee’s Health Savings Accounts (HSA). 

Additionally, HSA accounts with HealthEquity will be free to ATI employees and there will no longer by monthly maintenance fees. Whether you are newly enrolling in one of the HDHP Plans or have historically had an HSA through us, ATI will work with HealthEquity to automatically open an account on your behalf and any new payroll contributions in 2024 will be sent to your Health Equity HSA Account. You will receive a new debit card in the mail along with instructions on accessing your account.

The HSA is like a bank account you use to pay for eligible health care expenses - such as office visits, prescription drugs and lab tests. The money you put into your HSA will reduce your taxable income for the year. Unused funds rollover at the end of the year and you take the money with you if you change health plans, change your employer or retire.

Team members who elect the HDHP 5000 Plan are eligible to open a Health Savings Account that will allow you to save pre-tax dollars for future qualified medical expenses. ATI will help fund your HSA by providing $300 for single coverage and $600 for anybody covering dependents.

Some key advantages to a HSA:

• Tax Savings: Your contributions to the HSA are made with pre-tax dollars, so you’ll pay less in income taxes.
• Control: You can use the HSA to pay for any qualified medical expenses, as defined by the IRS.
• Savings and Investments: Unused HSA dollars roll over year to year. At age 65, you will have the ability to use your HSA funds for any purpose on a taxable basis.
• Portability: The account is yours; you can take your HSA with you if employment changes.
• Contributions and Investment Earnings: They are tax free, as are disbursements from the account to pay for qualified expenses.
• You will receive a debit payment card, issued by HealthEquity.
• In order for a dependent under age 26 to use HSA money, they must qualify as your TAC Code Dependent. Additional rules apply if your spouse also has an HSA. Please contact HealthEquity for specific information at 877.713.7682 or www.myhealthequity.com.

2024 Annual HSA Contribution Limits and Fees
	ATI Contribution	You can Contribute
Employee Only	$300	$3,850
Family	$600	$7,700
Catch up (55+)		$1,000

 

 

Administered by Chubb

As life insurance, LifeTime Benefit Term Insurance with Long Term Care through Chubb protects your family with a death benefit that can be used any way they choose, most often for the mortgage or rent, education for children, debt, and final expenses. This policy includes living benefits that provide financial support and resources to cover the cost of long term care you might need as a result of an accident, illness, or aging. Coverage is permanent and flexible.

During your new hire enrollment period only, you can elect up to $100,000 of coverage for yourself without answering any medical questions.

 

Administered by Reliance Standard

Basic Life Insurance

Basic Life is an ATI paid benefit which provides a $50,000 life insurance policy for employees only. You will automatically be enrolled with this benefit at no cost to you.

Supplemental Life Insurance

ATI provides you the opportunity to purchase additional supplemental life insurance coverage for yourself, your spouse and your dependent children. Domestic partners with no affidavit on file are not eligible for spouse supplemental life insurance.

Employees: $10,000 increments to a maximum of $500,000.

Employee Guaranteed Issue for new hires, newly eligible employees and enrollments/increases due to a qualified life event: $500,000 (may be subject to providing proof of good health).

During your new hire enrollment period only, you can elect coverage without answering any medical questions.

Spouse: $5,000 increments to a maximum of $100,000

Spouse Guaranteed Issue for new hires, newly eligible employees and enrollments/increases due to a qualified life event: $25,000 (may be subject to providing proof of good health).

During your new hire enrollment period only, you can elect spousal coverage without answering any medical questions.

Child: $10,000 (Live birth to age 26, no proof of good health needed)

If you would like to enroll in additional life insurance, please see the online application and Evidence of Insurability instructions available on Dayforce.

Important! You must elect Employee Supplemental Life Insurance in order to elect Spouse or Child Supplemental Life Insurance.

Evidence of Insurability (EOI) is required for any amount of Employee or Spouse Supplemental Life coverage if you are enrolling beyond 31 days from the date you first become eligible for coverage.

Coverage requiring approval of good health will be effective the first of the month following approval.

Short-Term Disability

Administered by ATI Physical Therapy

Short-Term Disability insurance provides you with income protection in the event of an injury, hospital admission or illness. You are eligible for STD coverage on the first day of the month following your date of hire, and you will be automatically enrolled with this benefit at no cost to you.

STD: Benefits begin on the eighth consecutive day of total disability and will not extend beyond 12 weeks. The maximum benefit is an amount equal to 80% of your covered earnings for the first five weeks, and 50% for the next seven weeks. STD Benefits are paid through normal ATI payroll.

Note: You are eligible for STD benefits for your pregnancy as you would be with any other disability. Remember to enroll in the BCBSIL Women’s and Family Health Pregnancy program to give your baby a healthy start.

Long-Term Disability

Administered by Reliance Standard

Long-Term Disability insurance continues a portion of your pay in the event that you are disabled beyond approved short-term disability. LTD benefits begin on the 90th consecutive day of total disability and will not extend beyond Social Security retirement age or the duration of benefits listed in the plan’s certificate. The monthly benefit is an amount equal to 60% of your covered base earnings, up to a maximum benefit of $5,000 per month.

Note: You are eligible for LTD benefits on the first day of the month, following 1 year of continuous service.

Administered by Blue Cross Blue Shield of Illinois (BCBSIL)

Blue365 is just another advantage you have by being a BCBSIL member. With this program, you can save money on health and wellness products and services from top retailers that are not covered by insurance. There are no claims to file and no referrals or pre-authorizations.

Once you sign up for Blue365 at blue365deals.com, you will receive weekly emails with “Featured Deals” that offer special savings for a short period of time. Some of the ongoing deals offered through Blue365 are with EyeMed, Jenny Craig®, Nutrisystem®, Fitbit®, SKECHERS®, Reebok, Snap FitnessTM and many more. 

Administered by Principal Financial

The ATI Holdings, LLC 401(k) Profit Sharing Plan offers you an easy way to save for retirement.

To be eligible to join and contribute to the 401(k) Plan, an employee must be 21 years or older*.

Features of our plan include:

• Deferrals from 1% to 80% of your salary
• Maximum employee contribution of $23,000 per plan year
• Additional employee catch-up contribution of $7,500 if you are 50 years or older
• Match begins after one year of service and 1,000 hours & starts the first of the following quarter
• ATI matches 50% of each dollar you put into the plan, up to 6%. The maximum match is 3%.  (Example: Sam Doe contributes 6%, ATI matches 3%)
• 100% immediate vesting

*Regular full-time employees who are not covered by a collective bargaining agreement or are not non-resident aliens." to: "And an employee who is not covered by a collective bargaining agreement or are not non-resident aliens.
**If the IRS maximum changes, you will be given the opportunity to elect to the maximum

Enroll Now!
To enroll online or via your smart device, visit Principal at principal.com/welcome or text 78259

• Provide your name, birth date, SSN, mobile number and zip code
• Create your username and password
• To ensure your account is secure, you’ll be asked to set up 2-factor authentication
• Once these steps are complete, you’ll be prompted to the progress dashboard which will walk you through setting up contributions, selecting investment options and beneficiaries and picking your communication preferences

You can also call Principal at 800.986.3343 to enroll.

Administered by On Call International

Through your group coverage with Reliance Standard, you automatically receive travel assistance services provided by On Call International (On Call), which is a 24-hour, toll-free service that provides a comprehensive range of information, referral, coordination and arrangement services.

Covered Services

When traveling more than 100 miles from home or in a foreign country, On Call offers you and your dependents the following services:

• Pre-Trip Assistance
• Emergency Medical Transportation
• Emergency Personal Services
• Some Medical Services

For a complete description of all services and the program terms and limitations, please request a Description of Covered Services from the ATI Benefit Service Center at 630.296.2222 ext. 7400, option 1 or benefits@atipt.com.

Administered by SoFi

ATI Physical Therapy has partnered with SoFi to offer our employees and their families a student loan refinancing benefit. Upon refinancing your student or Parent PLUS loans through SoFi.com/ATI you’ll receive a $300 Welcome Bonus.¹ Refinancing can be especially helpful for professionals, who’ve typically taken out larger student loans.

Why check this out?

Not only do members save thousands on average when they refinance to a shorter term, but there are also lower interest rates and no application or prepayment fees for a quicker payoff.

¹ Welcome Bonus will be issued electronically once you become a SoFi borrower; you have submitted a completed application with documents and your loan has been disbursed. Offer good for new customers only.

Administered by BlueCross BlueShield of Illinois (BCBSIL)

Like your passport, always carry your BCBSIL ID card with you when you travel or live abroad. Through the BCBS Global Core program, you have access to doctors, hospitals and other health services in nearly 200 countries and territories around the world.

How it works

To take advantage of the program, review the information below:

• Before you leave home, contact BCBSIL for coverage details. Your coverage outside the United States may be different.
• Always carry your BCBSIL ID card.
• In an emergency, go directly to the nearest hospital.
• The Global Core Service Center is available 24 hours a day, seven days a week toll-free at 800.810.2583 or by calling collect at 804.673.1177. See below for which situations to call the Service Center.
  • You need to locate a doctor or hospital or need medical services. They will arrange a physician appointment or hospital stay.
  • You need inpatient care. In this situation, you should also call BCBSIL for pre-certification. You can find the number on the back of your ID card. This is a separate number from the Global Core Service Center.

Payment and Claims Information

For participating hospitals, you shouldn’t need to pay up front, except for the usual out-of-pocket expenses. The hospital will file your claim for you as long as you arranged your service with the Global Core Service Center beforehand.

For doctors and non-participating hospitals, you will need to pay up front for services. Then you can complete an International Claim Form and send it with the bill(s) to the address on the form. The form is available from BCBSIL, the Service Center or bcbsglobalcore.com.

Administered by BlueCross BlueShield of Illinois (BCBSIL)

Whether you are pregnant or planning to get pregnant, you should prepare as much as you can. Blue Cross and Blue Shield of Illinois (BCBSIL) has tools to help you – at no extra cost to you.

Ovia HealthTM apps are for tracking your cycle, pregnancy and baby’s growth. The apps are available in English and Spanish, and provide videos, tips, coaching and more.

• Ovia Fertility: Track your cycle and predict when you are more likely to get pregnant.
• Ovia Pregnancy: Monitor your pregnancy and baby’s growth week by week leading up to your baby’s due date.
• Ovia Parenting: Keep up with your child’s growth and milestones from birth through three years old.

Well onTarget® has self-guided courses about pregnancy that you can take online, covering topics such as healthy foods, body changes and labor.

Plus if your pregnancy is high-risk, BCBSIL will provide support from maternity specialists to help you care for yourself and your baby. Having a baby changes everything, so use these tools to help get you ready.

 

Note: Download any of the Ovia Health apps from the Apple App Store or Google Play. During sign-up, make sure to choose “I have Ovia Health as a benefit.” Then select BCBSIL as your health plan and enter your employer name (optional). Also, visit wellontarget.com to explore our online courses.

 

Administered by HealthEquity

A Commuter account is a pre-tax benefit that can save you up to a third of what you pay for parking and public transit as part of your daily commute, which includes train, subway, bus, ferry and eligible vanpool.

You can contribute up to $300 for the transit benefit and up to $300 for the parking benefit. You are able to change the election for each on a monthly basis. Once the funds are moved into the account, you can start using them for qualified commuting expenses. The money rolls over month to month and year to year as long as you are an ATI employee.

Get the free MyFlex mobile app and manage your account on the go.

Public Transit Options	Parking Options
Purchase monthly transit passes with your debit card	Use your debit card to pay the parking provider
Load funds onto your smart card with your debit card	Submit “Pay me Back claims” for reimbursable parking expenses

To support your important health and wellness decisions, ATI offers a variety of online resources and tools. Visit Homebase > Human Resources > Employee Benefits on the left hand side to view benefit summaries, links to carriers and other valuable information.

Click here to download carrier contact sheet.