Administered by Nova Health

Exiss Sooner offers three medical plans through Nova Health, utilizing the Cigna Network:

• Copay PPO Plan
• HRA PPO Plan
• HDHP (HSA) PPO Plan

Nova Health 24-Hour Helpline
This helpline provides 24/7 access to experienced registered nurses for non-emergency medical issues and advice. Call 1-844-NOVA-365 to reach Nova's 24-Hour Medical Help Line.

Administered by HSA Bank

A Health Savings Account, commonly known as “HSA,” is an individual account you can open, add money to and spend on eligible health care expenses.

The HSA is Unique Because:

• Money used for eligible expenses is not taxed.
• Investment earnings are not taxed.
• Money spent on eligible expenses is not taxed.
• The money rolls over year to year.
• You own the account and you control how the money is spent.
• Your employer contributes to your HSA.

Eligible Expenses:
HSA money can be used tax-free for any eligible health care expenses. In general, eligible health care expenses are those that qualify toward the deductibles, copays, and coinsurance with your health insurance.

The money in your HSA must be used for eligible medical, dental, vision, and prescription drug expenses. If you use money for a dental, vision or medical expense that is not covered by the medical plan, it is important to understand that your medical plan deductible will still need to be met if an expense is incurred.

For a complete list of IRS approved Qualified Medical Expenses, visit www.irs.gov.

2023 Annual HSA contributions Limits:
(Add an extra $1,000 if you are age 55 or older)

• Single: $3,850
• Single+1/Family: $7,750

Exiss Sooner Employer Contributions:

• Employee-only coverage: $500 ($41.66 per month)
• Family coverage: $1,000 ($83.33 per month)

Exiss Sooner employer contributions count toward the annual HSA contribution limits, so you need to carefully plan how much you’ll contribute annually to avoid excess contributions.

The Health Savings Account (HSA) is only available in combination with enrollment in an HDHP plan.

Administered by WEX

Flexible spending accounts (FSAs) provide you with an important tax advantage that can help you pay for health care and dependent care expenses on a pre-tax basis. By estimating your family’s health care and dependent care costs for the next year, you can lower your taxable income and save money.

Health Care FSA 

This program allows you to pay for certain IRS-approved medical care expenses not covered by your medical plan with pre-tax dollars. The maximum you can contribute to your Health Care FSA is $3,050. Some examples of eligible expenses include:

• Copays and coinsurance
• Hearing services, including hearing aids and batteries
• Vision services, including contact lenses, contact lens solution, eye exams and eyeglasses
• Dental services and orthodontia
• Chiropractic services

Limited Purpose FSA

The Limited Purpose FSA allows you to use pre-tax dollars for qualified dental and vision only.

Dependent Care FSA 

The Dependent Care FSA allows you to use pre-tax dollars toward qualified dependent care such as caring for children under the age 13 or caring for elders. The annual maximum amount you may contribute to the Dependent Care FSA is $5,000 (or $2,500 if married and filing separately) per calendar year. No funds can be rolled over.

Examples include:

• The cost of a child or adult dependent care facility, the cost for an individual to provide care either in or out of your house, nursery schools and preschools (excluding kindergarten).

Administered by Guardian

Our Dental Plan provides you and your family with coverage for preventive dental care and both major and minor dental procedures to improve overall oral health. You have the option to see any provider you choose, however you will experience the most savings by choosing an in-network provider.

To locate a provider, go to www.guardianlife.com

Administered by Guardian

Our Vision Plan provides you with coverage for eye exams, lenses and frames—vision care for the whole family. You have the option to see any provider you choose, however you will experience the most savings by choosing an in-network provider.

To locate a provider, go to www.guardianlife.com

Administered by Guardian

Disability Insurance pays you a portion of your income if you are unable to work due to accident or illness. Featherlite provides eligible employees with Short and Long-Term Disability at no cost to you!

Short-Term Disability (STD)

The STD plan provides you with 60% of your weekly earnings up to:

• Salaried Employees: $500
• Hourly Employee: $250

The benefit begins on the 8th day for accident and illness and pays a weekly benefit for up to 12 weeks.

Long-Term Disability (LTD)

The LTD plan provides you with:

• Salaried Employees: 60% of your monthly earnings up to a maximum of $6,000
• Hourly Employee: 50% of your monthly earnings up to a maximum of $3,000

The benefit begins after 90 days and pays a monthly benefit for up to:

• Salaried Employees: up to age 65
• Hourly Employee: up to 5 years

Administered by Guardian

When you suffer an accident (on and off-the-job) such as a burn or broken bone, Accident Insurance 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 own discretion. Enroll without answering medical questions!

Administered by Guardian

This plan 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. Covered conditions include heart attack, major organ failure, kidney failure, stroke, cancer, and more. And every year that you complete a qualified health screening, you are eligible for a $50 Wellness Benefit. During this enrollment period newly eligible employees can elect coverage, up to a certain amount, without answering medical questions!

Administered by Guardian

Even with health insurance, a stay in the hospital can become costly 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!

Administered by Guardian

Basic Life and AD&D

Featherlite provides eligible employees with Basic Life and AD&D Insurance at no cost to you. Please remember to review your designated beneficiary each year.

• Salaried Employee Benefit: 1 x Annual Salary, up to $300,000
• Hourly Employee Benefit: $25,000

Voluntary Life and AD&D

Our Voluntary Life and AD&D plan allows you to elect additional life and dependent life coverage to supplement the Basic Life and AD&D policy. This coverage is entirely optional and is paid for by the employee. Spouse and dependent child coverage is only available if the employee is insured for Voluntary coverage. Please remember to review your designated beneficiary each year.

• Employee
  • Increments of $10,000 up to 7 x your annual salary to a maximum of $750,000
  • Guarantee Issue: $375,000
• Spouse
  • Increments of $5,000 up to a maximum of $100,000
  • Guarantee Issue: $50,000
• Child (life only)
  • Amount of $10,000, age 14 days to age 26 ( if a full time student) ($500 benefit for live birth to age 14 days)

This year you are offered  a True Open Enrollment, meaning that even if you did previously decline coverage, you can enroll up to the guarantee issue amount with no EOI required. anything above the guarantee issue (that was not already pre-approved) will be subject to EOI approval.

Administered by Guardian

EAP service offers caring and professional assistance for a broad range of concerns including stress management, depression and anxiety, relationship or family conflicts, workplace conflicts, legal or financial difficulties, and drug or alcohol abuse. Services are confidential - neither your employer nor co-workers have knowledge of your request for help.

EAP services are available 24 hours a day, seven days a week for you and your household members. There is no cost, it’s just there for you when you need it. The EAP is there for when you need it. Need some more specialized face-to-face assistance? The EAP offers up to 3 face-to-face visits.

You also have access to additional resources including:

• Legal Resources: free consultation, 25% rate reduction, 24 Hour emergency services, online legal forms
• Work-Life Solutions Support: childcare services, adult and eldercare services, financial help, mediation services, college planning program
• Online Resources: access to life-balance and wellbeing resources, monthly webinars, newsletters, upcoming events
• Free Online Will Preparation: create an online will, provide funeral and burial instructions and specify your wishes for your property
• Identity Theft Service: free 60 minute consultation for up to 7 emergency response activities, assist members with restoring their identity and good credit, ID theft victims receive a free ID Theft Emergency Response Kit

Click here to view the carrier contact sheet.