There are two ways to elect benefits for 2023:
Counselors are available by phone. Bilingual support is also available. Please be prepared to confirm your Ultipro password, beneficiary(s), and dependent information.
Administered by Medical Mutual
Choose from two medical plans: the High Deductible Health Plan or the Traditional PPO Plan. Both plans are administered by Medical Mutual of Ohio (MMO). Be sure to use Fisher-Titus, North Coast Healthcare Collaborative (NCHC), or other in-network providers to receive the highest level of benefits and save money.
The High Deductible Health Plan (HDHP) option will have a higher deductible than the Traditional PPO plan, but the lowest per pay contributions. The HDHP plan also allows for employees to set aside pre-tax savings for health care related expenses into a Health Savings Account. Remember, the highest level of benefit will come when receiving care at Tier 1 providers.
The Traditional PPO Plan offers our employees lower deductibles and provides copays for many office-related services compared to the High Deductible Health Plan (HDHP). Contributions for this plan will be higher than those of the HDHP. Remember, the highest level of benefit will come when receiving care at Tier 1 providers.
Click the image below to view the Medical Mutual Open Enrollment presentation!
Prescription Coverage
Administered by Express Scripts
When you enroll in a Medical Plan, you automatically have coverage for the prescription drug coverage plan. This coverage allows you to fill your prescriptions at the Fisher-Titus pharmacy, Walgreens’ Advantage Network or by Express Scripts mail order. CVS is an excluded pharmacy. For a complete listing of participating pharmacies; please visit My Health Plan. Coverage for Compound and “Discretionary” drugs are excluded from the Prescription Plan.
Under the HDHP, prescription drugs are paid just like other medical services. When you have a prescription filled, you pay the full negotiated cost of the medication until you meet your HDHP deductible (which includes both medical and prescription). Once you meet your HDHP deductible, you pay for prescriptions under the same schedule as the Traditional PPO Plan.
Your cost is determined by where you purchase your prescription and the category of drug. As in the past, in most cases, you will pay the lowest cost-share for prescriptions filled at the Fisher-Titus pharmacy. There is a separate deductible for the Traditional PPO Plan - $200 Single, $400 Family.
Where to Find Care
Medical situations can be overwhelming and may require a quick decision on where to go for care. The ER isn’t always the best option. What actions you take and where you should go can depend on the symptoms you are experiencing. Reduce your stress by learning about your options before you go. It could save you time and money.
Diabetes Education Program Caters to Patients’ Unique Needs
Diabetes is a health issue that impacts a significant number of people both in the United States as a whole and within Huron County. Among those affected by this condition is Dr. Christina Canfield, MD. Despite her medical expertise, she has encountered firsthand the challenges posed by diabetes, highlighting the widespread nature of its influence.
Fisher-Titus has partnered with Medical Mutual to offer the Fisher-Titus Wellness Program for employees enrolled in the medical plan. The expanded wellness activities offered are aimed at keeping you healthy and reducing the need for medical care now and in the future. Identifying health issues early through preventative care screenings can lead to earlier intervention, easier and lower cost treatment options, and a positive outcome for your health - improving your overall health and wellbeing!
Employees will have access to wellness challenges, online courses, device sync, exercise videos, recipes, articles, WW (formerly Weight Watchers), fitness center discounts, disease management, tobacco cessation program and maternity care management.
Administered by Delta Dental
A healthy smile can make all the difference. That's why keeping smiles healthy is what we do. Whether enabling you to take care of small dental concerns before they become big problems or making complex dental treatments more affordable, a dental plan from Delta Dental can help you and your family achieve better overall health.
When you enroll, you will be able to choose from either the Preventive Plan or the Premium Plan options. You also have the option to waive coverage.
Preferred Provider NOMS/North Central Eye
Fisher-Titus employees and their immediate family receive a 20% discount on a complete pair of glasses when visiting Dr. Zahler and Dr. Allen, in Med Park III. Fisher-Titus health insurance provides one annual routine eye exam under the wellness check that carries with it no out of pocket cost. You can receive a complete eye exam from a trained ophthalmologist. Employees will need to provide proof of employment to receive the discount, such as their badge or insurance card.
VSP Vision Savings Pass
VSP Vision Savings Pass is a discount vision program that offers immediate savings on eye care and eyewear. This is not an insurance plan. Discount program available at no additional cost for participants enrolled in MMO medical plan.
Administered by Medical Mutual
Health Care Flexible Spending Account (HCFSA)
This program, available to employees who elect a Traditional PPO Health Plan, allows employees to pay for certain IRS-approved medical care expenses not covered by their insurance plans with pre-tax dollars. Any unused funds in 2023, up to a maximum of $610, may be rolled over to the following year. You have until March 31, 2023 to submit paper reimbursement claims for expenses incurred through December 31, 2022. Substantiation of purchases will be required in most cases in accordance with IRS guidelines. Maximum contributions for 2023 is $3,050.
Limited Purpose Flexible Spending Account (LPFSA)
If you choose to elect the HDHP with an HSA, you’re eligible to enroll in a LPFSA. While similar to an HCFSA, money may be set aside in a LPFSA for eligible dental and vision expenses only. Any unused funds in 2023, up to a maximum of $610, may be rolled over to the following year. You have until March 31, 2023 to submit paper reimbursement claims for expenses incurred through December 31, 2022. Maximum contributions for 2023 is $3,050.
Work toward preserving your future
Fisher-Titus offers the 401(k) Salary Savings Plan to help employees save for their retirement. This generous retirement savings plan may offer special tax advantages and the opportunity to receive matching contributions from Fisher-Titus to make saving even easier. You have the option to defer pre-tax (Traditional) and after-tax (Roth) or a combination of both.
The EAP is for anyone with questions or concerns – no matter how big or small they might be.
The Employee Assistance Program is useful for employees dealing with the following issues:
Call directly to any of our EAP Counseling Resources:
Please identify yourself as a Fisher-Titus employee when scheduling. Appointments are available during day and evening hours.
Firelands Employer Resource Network
Resource Navigation
Red Cross of North Central Ohio
125 Fair Street Findlay, OH 45840
Great Lakes Community Action Partnership (GLCAP)
GLCAP Home Repair and Home Rehabilitation programs provides home repair assistance for a variety of needs if you own a home.
Did you know we have an employee donated fund that helps assist other employees who have suffered financial hardship due to a medical or catastrophic event? It is called the Employee Assistance Fund (EAF). Employees can automatically donate to this fund through payroll deduction. If interested in receiving assistance, you can find the form here.
The Fisher-Titus medical plan currently provides diet counseling for adults at higher risk for chronic diseases per ACA guidelines; also for children or adults already overweight/obese and have a cardiovascular disease disorder. These must be prescribed by a physician and must be furnished by in network provider. These individuals are eligible for up to 9 visits per year covered at 100%.
Employees and their dependents covered under the Fisher-Titus medical plan have access to Nutrition Counseling provided at Fisher-Titus by our qualified dieticians. Employees and their covered dependents will be able to self-refer for up to 2 visits covered at 100%. The nutrition counseling will help patients set nutrition goals to improve their health.
The dietician will:
Administered by Lincoln Financial Group
WellnessPATH provides tools and personalized steps to manage your financial life. From creating a budget to building an emergency fund to paying down debt, our easy-to-use online tool helps you turn information into action so you can focus on both short- and long-term goals, such as providing protection for your loved ones. To enroll, identify yourself as a Fisher-Titus Health employee.
Click Here to get started!
Administered by Lincoln Financial Group
Having an unexpected accident can cause more than physical injury, it can hurt your bank account, too. Accident Insurance can help cover the out-of-pocket costs associated with off-the-job accidents by paying you a benefit depending on the injuries you suffer and the treatment you receive. Coverage applies towards events such as concussions, dislocations, fractures, physical therapy, and x-rays.
Administered by Lincoln Financial Group
No one saves to get sick, which is why being diagnosed with a condition can be especially draining, both emotionally and financially. This policy provides you with a lump sum cash benefit in the event you or a covered dependent is diagnosed with a covered condition such as cancer, heart attack, or stroke. It can help provide financial protection so you can focus on what’s really important—getting better. You also have the option to select your level of coverage so you can make sure you have the right protection for your family. Your covered spouse and dependent(s) (if applicable) are also eligible to receive the benefit.
Administered by Lincoln Financial Group
Even with health insurance, a stay in the hospital can quickly become costly as out-of-pocket expenses 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 deductibles, coinsurance or even child care expenses
Core Short-Term Disability Insurance
Administered by Lincoln Financial Group
Core Short-Term Disability Insurance is provided by Fisher-Titus to eligible employees to provide income in the event they should become temporarily unable to work due to injury or illness. This plan may provide up to 60% of an employee’s base salary after they have completed an elimination period of 30 days. Under the Core Short-Term Disability Plan, Short-Term benefits are available up for up to 22 weeks. There are no preexisting conditions under the Core Short-Term Disability Plan.
Buy-Up Short-Term Disability Insurance
Administered by Lincoln Financial Group
A voluntary Buy-Up Short-Term Disability Plan is available to eligible employees. The eligible employee receives the benefit on the 8th day of their disabling injury or illness. If an employee enrolls for the Buy-Up Plan, Short-Term Disability benefits are available for up to 26 weeks. Pre-existing conditions will apply.
Long-Term Disability
Administered by Lincoln Financial Group
LTD coverage is intended to replace a portion of your monthly earnings if you are totally disabled for an extended period of time and are unable to work. Eligible employees will receive 60% of monthly pre-disability earnings up to a maximum of $10,000 per month after you have been disabled for 180 days (accumulated within a 360 calendar day period). Benefits will continue as outlined in the Maximum Benefits Period in the Summary Plan Description (SPD). Applications for LTD benefits must be approved by the insurance carrier prior to any benefits payments. Your LTD benefit payment will be offset by any money received from Social Security, Worker’s Compensation, or other statutory benefits. The definition of disability for your LTD benefits will be your own occupation for the first two (2) years and benefits for self-reported disabilities will be limited to 24 months. Fisher-Titus pays the cost of this insurance for you.
Tax Consequences of LTD Benefit:
Every year, covered employees have the option of having the appropriate taxes applied to the employer-paid premium, as taxable income. If this option is selected; any LTD benefits payable will not be taxable income. If the employee chooses not to have the appropriate taxes applied to the employer-paid premium; taxes will be applied at the time of any LTD benefit paid to the employee. If you wish to change your tax choice election after your new hire enrollment period has closed, you can do during our annual open enrollment period held each fall.
Administered by Lincoln Financial Group
Basic Life and Accidental Death & Dismemberment (AD&D) Insurance
Fisher-Titus provides you with term life insurance equal to 1.5 times your base annual compensation — rounded up to the next $1,000, up to the maximum amount shown below for both Basic Life and AD&D insurance.
Supplemental Life Insurance
Fisher-Titus offers you the opportunity to supplement the Basic Life Insurance benefits provided by FisherTitus by purchasing additional term life insurance. When you enroll yourself and your dependents in this benefit, you pay the full cost of the premiums through after-tax bi-weekly payroll deductions. *You must be actively at work to sign up for Supplemental Life Insurance. You, your spouse and covered dependents must be in generally good health and not under the care of a physician. During your new hire enrollment period only, you can elect coverage up to the Guaranteed Issue Amount without answering medical questions!
Your valuable Total Rewards Package also includes the following in addition to your benefits and competitive compensation.
Benefits Include:
Administered by Lincoln Financial Group
You and your loved ones can count on TravelConnect services 24 hours a day, 7 days a week. Services include:
If you need medical, security or travel assistance, regardless of the nature or severity of your situation, contact On Call 24 hours a day at 603-328-1955 (collect from anywhere in the world) or 866-525-1955 (toll free from U.S. or Canada). For a complete list of TravelConnect services, go to mysearchlightportal.com and enter Group ID: LFGTravel123. To enroll, identify yourself as a Fisher-Titus Health employee.
Administered by Lincoln Financial Group
Help and support are nearby — thanks to LifeKeys services from Lincoln Financial Group. Services include:
For your beneficiaries:
The emotional impact of losing a loved one can be deep and long-lasting. All too often, financial or legal issues can add to the stress. These services are available for up to one year after a loss. Your beneficiaries will have access to six inperson sessions for grief counseling, legal, or financial information and unlimited phone counseling.
For more information, visit GuidanceResources.com, download the GuidanceNow mobile app, or call 855-891-3684. (Web ID: LifeKeys) To enroll, identify yourself as a Fisher-Titus Health employee.
Administered by Lincoln Financial Group
EmployeeConnect offers professional, confidential services to help you and your loved ones improve your quality of life. Services include:
For more information, visit GuidanceResources.com, download the GuidanceNow mobile app, or call 888-628-4824. (Username: LFGSupport / Password: LFGSupport1) To enroll, identify yourself as a Fisher-Titus Health employee.
FMLA is designed to help employees balance their work and family responsibilities by allowing them to take reasonable unpaid leave for certain family and medical reasons. Provides certain employees with up to 12 weeks (26 weeks in the case of military leave) of unpaid, job-protected leave per year. It also requires that group health benefits be maintained during the leave.
Ever wonder how we recognize others for the great work they are doing? We are excited to share that there are MANY ways employees are recognized, so many that we have created an Employee Recognition Handbook. The Employee Recognition Handbook serves as a guide of the various recognitions, what they are, how to recognize someone, and what value is associated with them – a full range from a shout out to cash prizes! Check it out on the intranet or by clicking here.