Humboldt Park Health Benefits

Administered by Blue Cross Blue Shield of Illinois (BCBS)

You have three choices for medical coverage:

• PPO Value
• PPO
• PPO Premier Plan

The Value plan utilizes Blue Choice Select, a BCBS narrow network, and the PPO and PPO Premier plans share the same Blue PPO Network. To find an in-network provider, visit bcbsil.com.

Administered by Blue Cross Blue Shield of Illinois (BCBS)

You have two choices for dental coverage:

• BlueCare Dental PPO
• BlueCare Dental HMO

To find an in-network provider, visit bcbsil.com.

Administered by VSP

This voluntary program is offered through VSP and is available for all benefit-eligible employees. You must enroll in this program, which is paid through pretax deductions. In order to maximize your benefits coverage, you will need to obtain services from a VSP participating provider. To find an in-network provider, visit vsp.com.

Administered by United Healthcare (UHC)

Flexible Spending Accounts (FSAs) offer a tax-free way to reimburse yourself for eligible health care and dependent care expenses (as defined by the IRS). There are three types of Flexible Spending Accounts:

• Health Care Spending Account
• Dependent Care Spending Account
• Transit Spending Account

You may participate in one or all accounts. You may deposit up to $3,050 per year in a Health Care FSA and/or up to $5,000 per year in a Dependent Care FSA. You may elect up to $270 per month in the Transit FSA to reimburse yourself for eligible transportation/transit and parking expenses.

Please note that these accounts are separate — you cannot use money from the Health Care FSA to cover expenses eligible under the Dependent Care FSA or vice versa.

You must actively re-enroll in the FSA plans each year. You are not automatically re-enrolled.

Provides a weekly or monthly benefit if you are disabled from a sickness or off-the-job injury

Short-Term Disability (STD) Insurance
Administered by The Hartford Group

STD Insurance is offered through The Hartford to regular full-time employees as described under the Eligibility section on page one. You are eligible for employer-funded disability coverage the first of the month following your first 90 days of benefits-eligible employment with Humboldt Park Health. The plan pays a benefit equal to 50% of your weekly base pay, up to a maximum benefit of $2,000 per week for up to 13 weeks. You are eligible for coverage after you have utilized five consecutive Paid Time Off days for your non-work related illness or injury.

Voluntary Short-Term Disability Insurance (STD)
Administered by Allstate - New Carrier!

Short-Term Disability coverage through Guardian can help protect your income if you are unable to work due to injury or illness. This plan pays you a benefit of up to 60% of your base salary, not to exceed $1,000 per week. Coverage begins after you have been disabled for 14 or 30 calendar days and can last up to 6 months.

Voluntary Long-Term Disability (LTD)
Administered by Unum

Insurance offered through Unum can help you protect your income should you become disabled and are unable to work for more than 180 days. The policy can pay you up to 60% of your monthly income. This benefit is only available during the annual open enrollment period.

Administered by Aetna 

Be prepared for the unexpected
Accidents are just that — accidents. You can’t plan for them. But, you can protect yourself financially as much as possible.

What is the Accident Plan?
The Aetna Accident Plan pays benefits when you get treatment for an accidental injury. The plan pays for a long list of covered minor and serious injuries. You can use the benefits to help pay out-of-pocket medical costs or personal expenses.

How can you use the cash benefits?
It’s completely up to you. You can use the money any way you want, like paying for:

• Deductibles or copays
• Mortgage or rent
• Groceries or utility bills

...or anything else you choose.

Click the links and watch the video below to learn more!

• Accident Plan Brochure
• Accident Plan Brochure - Spanish
• File a Claim
• File a Claim - Spanish

Administered by Aetna 

Be prepared for what happens next
Critical illness insurance coverage can keep you focused on your health when it matters most. This extra coverage can help ease some financial worries during a difficult time.

What is the Critical Illness Plan?
The Aetna Critical Illness Plan pays benefits when a doctor diagnoses you with a covered serious illness or condition, like heart attack, stroke, cancer and more*. You can use the benefits to help pay out-of-pocket medical costs or towards personal expenses.

How can you use the cash benefits?
It’s completely up to you. You can use the money any way you want, like paying for:

• Deductibles or copays
• Mortgage or rent
• Groceries or utility bills

...or anything else you choose.

Click the links and watch the video below to learn more!

• Critical Illness Plan Brochure
• Critical Illness Plan Brochure - Spanish
• File a Claim
• File a Claim - Spanish

Administered by Aetna

Be prepared for what lies ahead
Maybe you’re expecting to have a hospital stay — or maybe not. Either way, you can plan ahead to give yourself an extra financial cushion.

What is the Hospital Indemnity Plan?
The plan pays benefits when you have a planned, or unplanned hospital stay for an illness, injury, surgery or delivering a baby. It also pays a lump-sum benefit for admission and a daily benefit for a covered hospital stay. You can use the benefits to help pay out-of-pocket medical costs or personal expenses.

How can you use the cash benefits?
It’s completely up to you. You can use the money any way you want, like paying for:

• Deductibles or copays
• Mortgage or rent
• Groceries or utility bills

...or anything else you choose.

Click the links and watch the video below to learn more!

• Hospital Indemnity Plan Brochure
• Hospital Indemnity Plan Brochure - Spanish
• File a Claim
• File a Claim - Spanish

Administered by Mutual of Omaha

Basic Life and Accidental Death and Dismemberment (AD&D) Insurance

Your employer-funded Basic Life Insurance is equal to one times your annual base salary, to a maximum of $300,000. Humboldt Park Health pays for this coverage for benefit-eligible employees as described under the Eligibility section on page one. Imputed income equivalent to the annual premium value is added to employees’ annual W-2 for policies above $50,000 (per IRS guidelines).

Supplemental Life Insurance

You may elect to add to your Basic Life Insurance coverage by purchasing Supplemental Life Insurance up to $500,000 equal up to five times your annual base salary. The total amount of your combined Basic and Supplemental Life Insurance coverage cannot exceed $800,000. The Supplemental Life Insurance you purchase is not subject to imputed income tax. The additional coverage will not become effective until the carrier approves it. You must be actively at work before coverage or increased coverage becomes effective. Evidence of Insurability (EOI) forms must be completed at the time coverage is elected. New Hires are eligible up to $150,000 guaranteed Issue.

Administered by Allstate

Provides a cash benefit directly to your beneficiary

With an unexpected death — you don’t want to leave behind financial obligations. Universal Life Insurance from Allstate Benefits can help your family realize the goals and dreams you shared together, and builds cash value you can draw on while still alive.

Here’s How It Works

• Select the coverage that's right for you and your family
• Then if you pass away, your beneficiary files a claim
• A lump-sum cash benefit is direct deposited or a check is mailed and can be used however they wish