Administered by Anthem

There is nothing more important than your health. Please see below for more information regarding the different plan options offered by HealthCare Staffing.

Preferred Provider Organization (PPO) and High Deductible Health Plan (HDHP) - Anthem Blue Open Access Network
PPO and HDHP plans offer 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.). All 4 of the medical plans utilize the same network– Anthem Blue Open Access network. The PPO plans have copays that apply for certain benefits while the HDHP will only have copays applied after having achieved your deductible.

Health Savings Account (HSA)
The HDHP 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 HSA component is optional. The HSA is a bank account paired with your HDHP allowing you to set aside money on a tax-free basis to pay your out-of-pocket qualified medical, dental, and vision expenses throughout the year or in the future. You own the money in your HSA account and it is yours to keep – even when you change plans or retire. The funds roll over from year to year to be used when you really need them. Anthem administers the bank accounts, if you enroll in to the HDHP plan, a HSA bank account will automatically be opened for you and a debit card will be provided. Contributing pre-tax dollars to the account is optional.

In addition to the Anthem Blue Open Access medical plans, two additional options are available through Apex. These plans are not major medical plans but offer limited coverage. Both plans have two components: MEC and Limited Indemnity benefits.

Minimum Essential Coverage (MEC)
The Minimum Essential Coverage plan covers preventative services and health screenings. The MEC Basic plan allows for 1 preventative visit per plan year and Teladoc usage while the MEC+ Advantage offers additional coverage.

Group Limited Indemnity (GLI)
The Limited Indemnity plan pays certain Medical expenses at a fixed dollar amount for a limited number of days, when you receive services covered by the plan.

Administered by Anthem

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.

HealthCare Staffing offers two dental plans:

• PPO Option 1
• PPO Option 2

To find a Dental Complete network dentist by name or location, go to anthem.com or call dental customer service at the number listed on the back of your ID card.

Administered by EyeMed

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 allowance towards your vision services.

EyeMed has a series of perks to be aware of for being an enrolled member on the plan:

Eye360
Eye360 provides enhanced benefits when members visit a Plus Provider. If using a Plus Provider, members will benefit from a $0 copay for eye exams and an additional $50 frame allowance. To Find a Plus Provider in your area, use the EyeMed Provider locator.

ContactsDirect.com
Order contacts and have them shipped directly to your door. Orders will be shipped for free once the prescription is verified. Visit contactsdirect.com/welcome for more information.

Glasses.com
Choose from a large selection of frames and lenses, including designer brands. To purchase glasses or lenses, you’ll need a valid prescription written within the last 12 months.

Find an Eye Doctor (Insight Network):

• eyemed.com
• EyeMed Members App
• For LASIK, call 1.800.988.4221

The HSA is a bank account paired with your HDHP allowing you to set aside money on a tax-free basis to pay your out-of-pocket qualified medical, dental, and vision expenses throughout the year or in the future. You own the money in your HSA account and it is yours to keep – even when you change plans or retire. The funds roll over from year to year to be used when you really need them. Anthem administers the bank accounts, if you enroll in to the HDHP plan, a HSA bank account will automatically be opened for you and a debit card will be provided. Contributing pre-tax dollars to the account is optional.

Advantages of Participating:

• There’s a triple tax savings benefit as contributions are not taxed going into the account, while they sit there earning interest or when they’re taken out for a qualified medical expense
• You pay less in premium for this plan
• Unused funds rollover each year with no maximum on how much you can save and accumulate over time
• The account is portable so you never have to worry about losing the money in the account should you change between plans, retire or even seek employment elsewhere
• Your HSA can be viewed as a second means of savings for your retirement
• You control your healthcare spending and choose when to use your HSA dollars and when to save them
• You become a more informed participant in your healthcare and healthcare spending

If you become ill or suffer an injury that prevents you from working, this form of disability insurance replaces a portion of your income for a defined maximum period of time. If you waived disability coverage when it was first offered, you will be able to join the plans at Open Enrollment without needing to complete an Evidence of Insurability form.

Administered by Aflac

Whole Life Insurance with Living Benefits from Aflac offers permanent life insurance protection. With a guaranteed death benefit that will never decrease, level premiums that will never increase, and cash value accumulation, whole life insurance goes beyond term life insurance. Because you pick the level of coverage, you can be sure that your family has the level of protection that best fits your needs. You also own the coverage, so you can take it with you if you leave employment or retire.

The policy also includes living benefits that provide support and financial resources to cover the cost of long term care you might need in the event of illness, accident, or aging.

During this enrollment period only, you can elect coverage without answering medical questions!

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.

An employee’s maximum benefit election cannot exceed 5x their basic annual earnings. A spouse’s maximum election cannot exceed 50% of what the employee takes out on themselves. If you enroll when initially eligible, you are able to increase your election at Open Enrollment by $10,000 each year without needing to complete an Evidence of Insurability form.

Legal Aid
Administered by LegalShield

With LegalShield, you’ll not only get answers to your most pressing legal issues but you’ll be able to access a number of additional benefits. Feel empowered proactively protecting your future and gain peace of mind knowing your provider firm is there for you for any legal matters that may happen down the road.

Identity Theft Protection
Administered by IdShield

Identity Theft Happens. IDShield Can Protect You and Take Care of Problems Along the Way. IDShield offers a comprehensive tool to monitor your presence online and be notified of any unusual activity so you can take action before you become a victim of identity theft. When a problem does occur, our customer service team and private investigators work directly with you to resolve and repair the problem.