2022 Heartland Benefits

Administered by Anthem / IngenioRx

Deluxe HSA Plan

The Deluxe Plan is a qualified high deductible plan with a Health Savings Account (HSA) to help cover health care expenses that apply to the annual deductible and coinsurance. All eligible covered expenses (except preventive care) apply towards meeting the annual deductible under the plan.

• Qualified Medical Expenses
• Ineligible Medical Expenses
• IngenioRx Pharmacy Programs

Note: There are no payroll deductions during 4 weeks of shutdown. The specific weeks without premiums will be communicated.

Benefits of the HSA:

• A HSA is an individual account –you own and manage it.
• Funds accumulate each year in your HSA. There is no “use it or lose it” provision.
• HSAs are portable. You keep your account and all funds if you change jobs or retire.
• Contributions to your HSA are pre-tax or tax deductible, earnings are non-taxable, and qualified distributions are tax-free.

Standard PPO Plan

This plan is a traditional PPO plan that includes copayments for office visits and prescription drugs. Learn more about IngenioRx Pharmacy Programs.

Note: There are no payroll deductions during 4 weeks of shutdown. The specific weeks without premiums will be communicated.

PPO Plan Highlights:

• Utilizes the Anthem Blue Card network to ensure savings when you use in-network providers and in-network pharmacies.
• Covers Preventive Care at 100% with no deductible
• Has an unlimited maximum benefit

Please visit anthem.com to seek participating HSA or PPO providers. Although most physicians in this area participate, it is recommended that you verify with your doctor that they participate in the Anthem Blue Card network every time you make an appointment.

SurgeryPlus

With the SurgeryPlus benefit, you'll have access to our network of quality surgeons who have all met our rigorous screening standards.

All of our surgeons meet our standards for:

• Board Certification
• Specialty Training Requirements
• Procedure Volume Requirements
• Sanctions and Malpractice Review
• Ongoing Recredentialing

Financial Incentives

Because Heartland cares about the quality of your care, your deductible and/or coinsurance could be waived.

Administered by Anthem LiveHealth Online

Using LiveHealth Online, you can have a private and secure video visit with a board-certified doctor or licensed therapist on your smartphone, tablet or computer with a webcam. It's an easy way to get the care you need at home or on the go.

When your own doctor isn't available, use LiveHealth Online 24/7 if you have pinkeye, a cold, the flu, a fever, allergies, a sinus infection or other common health condition. A doctor can assess your condition, provide a treatment plan and even send a prescription to your pharmacy, if it's needed. 

How to Get Started:

Rather than waiting to sign up when you're not feeling well, register today so you're ready for a visit when you need one. To sign up, visit livehealthonline.com or download the free LiveHealth Online app to your mobile device. Next, you:

1. Choose Sign Up to create your LiveHealth Online account. Then enter information like your name, email address, date of birth and create a secure password.
2. Read the Terms of Use and check the box to agree.
3. Choose your location in the drop-down box of states.
4. Enter your birth date and choose your gender. 
5. For the question "Do you have insurance," select Yes. Be sure to have your Anthem member ID card handy to complete your insurance information. If you choose No, you can still enter your insurance information later.
6. For Health Plan, in the drop-down box, select Anthem.
7. For Subscriber ID, enter your identification number, which is found on your Anthem member ID card. Select Yes if you are the primary subscriber or No if you are not the primary subscriber. 
8. Insert a service key if you have one. If you don't have a service key that's OK, this is optional and not required to register. 
9. Select the green Finish button.

Administered by Delta Dental

Dental Option 1 -Low Plan
The Low Plan provides $1,000 per person per calendar year on Diagnostic, Preventive, and Basic services. It does not cover Major services such as Periodontics, Major Restorative, and Orthodontic services.

Dental Option 2 -High Plan
The High Plan provides $1,250 per person per calendar year on Diagnostic, Preventive, Basic, and Major services. In addition, the High Plan offers Orthodontic services to dependents up to age 26 at a lifetime maximum of $1,000.

Administered by VSP

The vision plan is offered through VSP. This plan offers one eye examination per year, new lenses or contact lenses each year, and frames every two years.

You can choose from independent doctors and retail providers to find the one that best fits your needs and schedule. No matter which one you choose, the plan is designed to be easy to use and to save you money.

Employee Assistance Program (EAP)
Administered by MetLife

Life doesn’t always go as planned. And while you can’t always avoid the twists and turns, you can get help to keep moving forward. We can help you and your family to get professional support and guidance to make life a little easier. Our Employee Assistance Program (EAP) is available to you with easy-to-use services to help with the everyday challenges of life —at no additional cost to you.

The program’s experienced counselors provided through LifeWorks; one of the nation’s premier providers of Employee Assistance Program services can talk to you about anything going on in your life, including: Family, work, money, health, legal services, and everyday life.

Your program includes up to 5 in person, phone or video consultations with licensed counselors for you and your eligible household members, per issue, per calendar year. You can call 1-888-319-7819 to speak with a counselor or schedule an appointment, 24/7/365.

When you call, just select “Employee Assistance Program” when prompted. You’ll immediately be connected to a counselor. If you’re simply looking for information, the program offers easy to use educational tools and resources, online and through a mobile app.

Your EAP may be used to address a broad range of issues including:

• Marriage, Relationship and Family Problems
• Problems at Work
• Legal and Financial Issues
• Stress and Anxiety
• Alcohol and Drug Dependency
• Identity Theft
• Health and Wellness Concerns

When you need some support, we're here to help.

• Phone:1-888-319-7819
• Web: metlifeeap.lifeworks.com
  User name: metlifeeap
  Password: eap
• Mobile App:
  User name: metlifeeap
  Password: eap

Medicare Counselors
Administered by Grace Agency

Heartland RV has partnered with the Grace Agency to help our team members and loved ones who may have questions about Medicare.
Medicare is confusing, and we want to make sure that we assist with understanding the options available to ensure you, a family member or friend make the best decisions possible.

Most Americans become eligible for Medicare at age 65. Sadly, they don’t have a true understanding of what that means for them or what to do about it. Those who are still working and already passed age 65 typically just keep their work insurance without consulting with a Licensed Medicare expert for counsel.

Our Services:

• Plan Selection Consulting: We want you to find the Medicare insurance plan that perfectly suits your needs, which is why we offer comprehensive consulting services at no charge to help you make an informed decision. This starts with helping you understand how and when to apply for Medicare and other government programs you may qualify for. Then, we help you find a plan that works with your doctors, covers your medications and best fits your budget.
• Customer Service: Once we have helped you with the process of selecting a plan, we want to make sure that you completely understand how to use benefits of the plan you have selected. We want you to be fully satisfied with the products we present and the service we offer. That’s why we not only provide professional advice before you make a decision, but we are also there to Help you afterwards. We provide reliable support when you have questions about how to use your benefits, so you won’t have to rely on an automated system for help.

Administered by Fidelity Investments

Your Retirement Plan is a 401(k) plan that gives you a way to save for retirement through before or after tax contributions. You must be 18 years of age or older and have completed 3 months of service.

EasyEnroll
Get started in 60 seconds with EasyEnroll. Enroll now by visiting NetBenefits.com/Easy.

Take the important step of establishing your beneficiaries
It’s important to name and regularly review and update beneficiaries for your 401(k) retirement plan benefits to prevent benefits being be paid according to Plan rules, which might be different from the designation you would choose.

Please take a few moments today to name your beneficiaries to ensure that your benefits will be distributed according to your wishes: https://netbenefits.fidelity.com/NBLogin/?option=Beneficiary

To navigate to your beneficiary designations online:

1. Log into your account at www.netbenefits.com.
2. Click the Your Profile link.
3. Select Beneficiaries and follow the online instructions.

Once you have completed your beneficiary designations, you will be able to view them on NetBenefits®. Please be sure to review your choices regularly and update them after certain life events, such as a marriage, divorce, birth of a child, or a death in the family.

If you have questions or need help getting started call Fidelity at 1-800-835-5097

View Summary Annual Report

Administered by MetLife

MetLife - 100% Employer Paid

Heartland RV provides each eligible full-time active employee with $20,000 in term life and accidental death and dismemberment insurance at no cost to you. This coverage is administered through MetLife. Keep in mind that there is no cash value in this benefit. Benefits will only be paid to your beneficiaries in the event of your death.

Voluntary Term Life Insurance

Below is a summary of the voluntary life benefits that are available to all full-time employees.

Please note that while you can enroll during the annual open enrollment period, if you are not a new hire in your initial enrollment period, you will have to complete a medical questionnaire and possibly a physical exam to be approved for voluntary life coverage.

Because rates are based on your age, the cost of your insurance may change each calendar year.

*Guarantee issue only applies during the initial eligibility period. If you do not enroll when you are initially eligible) or as a new hire, you will have to complete a medical questionnaire and possibly a physical exam to be approved for benefits.

There is no guarantee you will be approved for benefits.

Administered by Trustmark

Trustmark Universal Life/LifeEvents® is permanent life insurance. It provides a death benefit to your beneficiaries if you pass away, but also builds cash value and features living benefits for long-term care services. Your price won’t increase due to age, and your policy builds cash value over time. You may choose between the Universal Life and Universal LifeEventsplans.

The standard Universal Life plan features a consistent level of death and living benefits throughout life. The LifeEvents® option gives you a higher death benefit during your working years for the same price, and a higher long-term care benefit that never reduces. The LifeEventsdeath benefit reduces one-third at the latter of age 70 or the 15th policy anniversary; issue age for LifeEventsis 18-65.

Features You'll Appreciate:

• Lifelong protection –Provides coverage that will last your lifetime.
• Fully portable –Keep your coverage at the same rate and benefits if you change jobs or retire.
• Family coverage –Apply for your spouse and family. Dependent children and grandchildren can be covered under a Universal Life policy.
• Terminal Illness Benefit –Accelerates up to 75 percent of your death benefit if your doctor determines your life expectancy is 24 months or less.
• Guaranteed Renewable –Guaranteed coverage, as long as your premiums are paid. Your premium may change if the premium for all policies in your class changes.
• Children’s Term Life –Covers newborns to age 22 and is convertible to Universal Life insurance without evidence of insurability (separately priced).

To log in you will need your Heartland Employee ID number, and your PIN number is the last 4 digits of your Social Security Number and the last 2 digits of your birth year. 

Administered by MetLife

Short Term Disability Insurance

Long Term Disability Insurance

Administered by Aflac

Accident insurance provides a lump sum payment based on the accident/injuries sustained; it’s paid directly to you, and you decide the best way to spend it. It’s that simple. Whether it’s to pay medical expenses, the mortgage, car payments or even utility bills, you decide. Other advantages of accident insurance are:

• Cash benefits for expenses that may not be covered under your medical insurance
• You can keep coverage even if you leave Heartland
• There are no health questions to answer
• You can cover your spouse and children
• There is no limit to the amount of accidents you can claim under the policy (with exception to policy rules)

For information on how to file a claim on line or to print out claim forms and instructions go to: aflacgroupinsurance.com/customer-service/file-a-claim.aspx

Customer Service: 1-800-433-3036

Administered by Aflac

Critical illness insurance provides a way for you to stay ahead of the medical and out-of-pocket expenses that can accompany certain covered medical events.

Consider the following advantages of this critical illness coverage offering:

• A set amount of money is paid directly to you to be used however you choose
• You can keep the policy even if you leave Heartland or retire, as long as you pay the premium
• Convenience of payroll deduction
• You can insure your spouse and children

For information on how to file a claim on line or to print out claim forms and instructions go to: aflacgroupinsurance.com/customer-service/file-a-claim.aspx

Customer Service: 1-800-433-3036

Please click here for contact information if you need to contact one of your benefit carriers.