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Administered by BlueCross BlueShield
Preferred Provider Organization (PPO)
A PPO plan offers the freedom to receive care from any in- or out-of-network doctor, specialist or hospital without a referral. You have a deductible to meet and once the deductible is met, coinsurance (or the cost share between you and the carrier) kicks in. The types of medical services that accumulate towards your deductible are inpatient hospital stays, outpatient surgeries, labs (blood work) and x-rays (MRIs, PET scans, CT scans, etc.). If you go to the doctor, see a specialist, utilize the ER or take a prescription drug, you’ll pay a copay for those specific services. Copays do not accumulate towards your deductible but they do accumulate towards your overall out-of-pocket maximum.
High Deductible Health Plan (HDHP) with Health Savings Account (HSA)
This medical plan option is comprised of two components (1) a High Deductible Health Plan (HDHP) and (2) a tax-exempt savings account called a Health Savings Account (HSA). The HDHP is a high deductible PPO plan that provides health care benefits after the deductible has been met. All medical services, with the exception of preventive care, are paid for by you at 100%, less carrier discounts, prior to meeting your entire annual deductible. This includes routine office visits, procedures, lab work, prescription drugs, etc.
Layered/Gap Insurance
Effective 8/1/2023, Cozzini’s medical plans will include a layered/gap insurance plan that will be administered by American Health Resources (AHR).
The PPO and HDHP/HSA Plans will consist of two parts:
What is the main reason for this change? You get better coverage, a lower out-of-pocket maximum, and everyone saves money!
AHR has answers on how your overall plan design works together and will only direct you to BCBSIL when necessary
To log in to your account, go to www.ahr.net and click the AHR Login. Your user ID and password will be provided to you one your enrollment HSA been completed.
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Telemedicine
Getting sick is never convenient, and finding time to get to the doctor can be hard. Blue Cross and Blue Shield of Illinois (BCBSIL) provides you and your covered dependents access to care for non-emergency medical issues and
behavioral health needs through MDLIVE.
Whether you’re at home or traveling, access to a board-certified doctor is available 24 hours a day, seven days a week. You can speak to a doctor immediately or schedule an appointment based on your availability. Virtual visits can also be a better alternative to going to the emergency room or an urgent care center.
Additional Medical Benefits!
Administered by BlueCross BlueShield
Preferred Provider Organization (PPO)
These dental plans allow the flexibility to select any dentist in-network or out-of-network. By staying in-network, the contract between your dentist and insurance carrier will make your annual benefit period maximum last longer.
Dental coverage focuses on preventive and diagnostic procedures in an effort to avoid more expensive services associated with dental disease and surgery. The type of service or procedure received determines the amount of coverage for each visit. Each type of service fits into a class of services according to complexity and cost.
Administered by Dearborn National (BCBS)
Vision insurance helps offset the costs of routine eye exams and also helps pay for vision correction eye wear, like eyeglasses and contacts, that may be prescribed by an eye-care provider.
By accessing in-network vision providers, you're able to reap the benefit of true vision insurance coverage. You're eligible
for an eye exam and lenses or contact lenses every 12 months and frames every 24 months. Out-of-network providers will merely offer you an allowance towards your vision services.
Eye-care providers include many independent optical shops and national chains.
Administered by Dearborn National (BCBS)
If you become ill or suffer an injury that prevents you from working disability insurance replaces a portion of your income for a defined maximum period of time. Cozzini Bros., Inc provides short term disability at no cost to its’ employees and long term disability can be elected and paid for through payroll deductions.
Voluntary Short-Term Disability
Short-term disability is designed to replaces part your income in the event of a temporary disability such as an illness, recovery from a surgical procedure and more.
Long-Term Disability
Voluntary Long-Term Disability offers gives you a way to have an income stream when they are unable to work for a long period of time due to an unexpected injury or illness so they can continue to make mortgage payments, car loan payments, monthly bills, and other expenses that could cause major stress during a period of uncertainty.
Administered by Dearborn National (BCBS)
Basic Life and AD&D Insurance
Basic Life Insurance helps ease your loved ones’ financial burden. Your designated beneficiary will receive a benefit if you pass away from a covered accident or illness. In addition, Accidental Death and Dismemberment (AD&D) provides a benefit to your beneficiary if you pass on or become dismembered due to a specifically covered accident. Always make sure your beneficiaries are updated. The cost of the benefit is 100% paid for by the company.
Voluntary Life Insurance and Accident & Death Insurance
Voluntary Term Life/AD&D allows you to purchase additional coverage at your own financial expense to ease your loved ones’ financial burden if something should happen to you. Costs are determined on group discounted rates. Always make sure your beneficiary information is updated. A spouse or domestic partners maximum election cannot exceed the amount the employee takes out on themselves. The cost of the benefit is 100% paid for by you. Your age and the amount of insurance you elect determines the premium you’ll pay. Children can be covered until they reach age 26. Costs will go up as you age. See your plan documents for more detail.
The 401(k) Plan is an employer sponsored retirement plan that allows employees to save and invest for the purpose of building savings for retirement. Saving through a 401(k) Plan is an easy way to set aside money for your future.
Cozzini is proud to include Premier Whole Life as a new benefit offering to employees. Whole Life insurance is a portable form of life insurance that is designed to provide long-term insurance protection for employees during their working years and beyond. The coverage amount that is chosen and the policy premiums are guaranteed to be fixed for the life of the policy as long as the premium payments are met. The policies also include optional benefits that include an Accelerated Death Benefit and Long Term Care Benefit.
What is Whole Life Insurance?
Whole Life Insurance is an individual life insurance policy that pays a benefit to your beneficiary if you pass away. Your premium payments will stay the same for the life of the policy, as long as you meet the required premium payments. Plus, the policy builds cash value, which you can borrow against. Any unpaid loan would be subtracted from the benefit that is paid to your beneficiary.
Features of Premier Whole Life Insurance include:
How can life insurance help?
Examples of how your life insurance benefit could be used include:
Administered by Voya
Voluntary Accident provides you with a lump-sum payment if you experience one or more of the events outlined by the plan coverage. The benefits covers accidents sustained on or off your job. The cost of the benefit is 100% paid for by you. You are eligible to receive a $50 reimbursement by submitting proof you completed a wellness screening or procedure. Covered screenings/procedures are outlined in the plan documents. Examples of covered benefits include, but are not limited to:
Benefits Received from Covered Accident
Administered by Voya
Critical Illness Insurance can help safeguard your finances by providing you with a lump-sum payment when your family needs it most. you meet the policy requirements, Critical Illness insurance will provide you with a lump-sum payment upon diagnoses for one or more of the covered conditions. The cost of the benefit is 100% paid for by you. Spouse/Domestic Partner and Dependent Children will be enrolled at 50% of the elected Employee amount if enrolled in coverage. Below include some, but not all, covered illnesses and the percentage of your benefit to be paid if you or a covered dependent experience them.
You are eligible to receive a $50 reimbursement by submitting proof you completed a wellness screening or procedure. Covered screenings/procedures are outlined in the plan documents.
Voluntary Hospital Indemnity provides you with a lump-sum payment if you or a covered dependent will be confined to a hospital or ICU room for an extended period of time. The benefit will provide a lump-sum payment for admission to a room and provide a daily lump-sum benefit for each additional day you remain hospitalized. The cost of the benefit is 100% paid for by you.
Benefits Received from Hospitalization
