We have five medical plans from which you may choose. With all plans, you have the flexibility to see the provider of your choice; however, you will pay significantly less money if you choose an in-network provider or facility. A free health insurance plan comparison calculator is available online to help you compare plans and costs. To access the calculator, log on to http://health-plan-compare.com/ and enter the plan info you want to compare.

Preferred Provider Organization (PPO)

For most doctor visits and specialist visits, you simply pay a copayment at the time of service. Preventive care services are generally covered at 100%, with no cost share to you. You have a great deal of flexibility and choice with a PPO and can manage your out-of-pocket costs by remaining in-network. The annual deductible is defined by the plan year July 1, 2021- June 30, 2022.

High Deductible Plan (HDHP) with Health Savings Account (HSA)

Preventive care services are covered 100% as long as your physician bills your visit as preventive. For other services, including routine office visits, procedures, lab work, prescription drugs, etc., no benefits will be paid until you have met your annual deductible.The annual deductible is defined by the plan year July 1, 2021- June 30, 2022.

Understanding the Difference Between Embedded and Non-Embedded Deductibles When Electing Plans other than Single Coverage

Should you elect a plan with an embedded deductible, each family member’s claims contribute to meet the full family deductible amount. If a single family member meets the plan’s individual deductible amount, then that family member’s claims are covered according to that plan’s coinsurance; the other family members’ claims will continue to be applied to the family deductible amount. On a plan with a non-embedded deductible, all family members’ claims together must reach the family deductible amount before the plan’s coinsurance will start. For example, we will use employee Mike, his wife Mary, and their daughter Maggie. Mike has a lot of claims this year and Mary and Maggie have had very few.

The PPO plan has an embedded deductible that applies to claims for services that are out-of-network. There are also embedded out-of-pocket maximums for in-network and out-of-network services. If Mike reaches the individual out-of-pocket maximum of $5,000, the plan will cover the rest of his medical bills at 100%. Mary and Maggie will continue to pay their copays until one of them reaches another individual $5,000 out-of-pocket, or their claims combined make up the remaining $5,000. If the $10,000 total is met, the plan will pay 100% of their bills for the remainder of the plan year.

The Google Gold plan is non-embedded. The family unit needs to satisfy the full $4,000 deductible before the coinsurance will start. If the full $6,000 out-of-pocket maximum is reached, then the family’s claims would be covered at 100%. Mike alone can meet the $4,000 deductible, or a combination of each family member’s claims can satisfy the full $4,000.

The HD 3000 plan is unique in that the deductible is non-embedded and the out-of-pocket max is embedded. There is a $6,000 non-embedded family deductible, which means that all family members’ claims contribute to the deductible amount. Once the $6,000 is reached, the coinsurance will kick in. The exception to this is if one family member meets the individual embedded out-of-pocket maximum of $5,600. At that point, that one individual’s claims will be covered at 100%. Due to Mike’s high claims, once he reaches the $5,600, the plan pays 100% of his ongoing claims. Mary and Maggie will continue to work toward the additional $400 deductible and the additional $5,600 out-of-pocket.

The HD 5500 plan is embedded. Mike satisfies the $5,500 individual deductible and the coinsurance kicks in for all of his further claims. When he meets the individual $6,350 out-of-pocket maximum, the plan pays 100% of his ongoing claims after that. Mary and Maggie work towards the additional family deductible and out-of-pocket maximum.

These benefits are designed to provide financial protection by paying you a benefit for hospital admission and daily benefits for inpatient stays and days in the ICU. You can use this benefit to pay for out-of-pocket expenses and extra bills that can occur relating to your hospitalization. Enroll without answering medical questions.

A Health Savings Account (HSA) is a bank account paired with your HDHP that allows employees who participate in HD 2000, HD 3000, or HD 5500 Medical Plan to contribute funds to a personal HSA on a pre-tax basis. These funds can be used to pay your deductible and other out-of-pocket medical expenses in the current year or in the future. Qualified medical expenses that can be paid using this account include doctor visits, prescription drugs, and even dental and vision expenses. You own the money in your HSA account and it is yours to keep, even when you change plans or retire. The funds can roll over from year to year and you do not pay tax on withdrawals used for qualified medical expenses. Judge will open the account at Health Equity on your behalf should you choose to fund your HSA. Please know there are possible tax penalties for front-loading your HSA if you are not employed with Judge for the entire year. You will need to speak with a tax adviser if you have any questions.

Total contributions to the plan cannot exceed the IRS maximum for 2021 of $3,600 for an employee and $7,200 for a family; employees age 55 or over may contribute an additional $1,000. To be eligible for this account you must not have coverage under another medical plan.

HSA Plan Highlights

• The HSA is your individually-owned tax-advantaged account
• You cannot be covered under other health insurance
• You cannot be claimed as a dependent on someone else’s tax return
• You may withdraw from your HSA (tax-free) to pay for qualified medical expenses.

Important Note: The HSA is only available to those who participate in the HD 2000, HD 3000, or HD 5500 Medical Plan. Judge will open the account at Health Equity on your behalf should you choose to fund your HSA.

Since accidents can happen at any time, 24 hours a day, 7 days a week, it’s important to be prepared. This policy from Aflac can help cover the out-of-pocket costs associated with an accident by paying you a benefit depending on the injuries you suffer and the treatment you receive. Enroll without answering medical questions.

The policy does not coordinate with any other coverage, so you can still receive benefits on top of what your medical plan provides. Plus, the plan includes an annual $50 wellness benefit once each 12-month period for each covered person when a qualifying wellness test or procedure is completed. Eligible wellness tests include annual physical exams, eye examinations, immunizations, mammograms, blood screenings, and more.

Telemedicine from HealthiestYou gives you 24/7/365 access to care when you need it most. The Teladoc network of state licensed and U.S. board-certified physicians and mental health providers are standing by to diagnose, treat, and prescribe medication, if necessary, for common conditions such as cold and flu, bronchitis, allergies, pink eye, rash and skin problems, nutrition services, and more. This benefit is available as a standalone benefit if you have a qualified/compliant health plan in place, meaning that you can enroll even if you do not participate in the company medical plan. Download the free HealthiestYou mobile app and set up your account to see what services are available to you and how much they cost. Speak with an EOI benefit counselor for more information or to enroll.

• Connect with a doctor: $0 consult fee.* Unlike visiting an urgent care center or emergency room, there is no charge to speak with a physician.
• Save time and money. The app uses geofencing to know when you step into an urgent care, doctor’s office, or pharmacy, and will remind you that you could be saving time and money by using HealthiestYou.
• Find a provider. Download the app to use the radar tool, which continuously scans for doctors, pharmacies, hospitals, urgent care centers, and even vets in your direct area, helping you quickly and easily select the best providers for your plan and needs.

*An appointment with a psychologist or therapist is $85 per visit. An appointment with a psychiatrist is $200 for your initial evaluation and then $95 per appointment moving forward. A nutrition consultation is $59 per appointment. A dermatology appointment is $85 per visit.

This policy provides you with a lump sum cash benefit in the event you or a loved one 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 can pick the level of coverage that provides the right protection for your family. If you elect coverage for yourself, your dependent children (under the age of 26) will be covered at 50% of your benefit amount at no additional charge. The policy also includes an annual $50 wellness benefit when a covered health screening test is completed.

During this open enrollment period only, newly hired employees can enroll up to the guarantee issue amount without answering medical questions.

Administered by United Concordia

Because maintaining your smile is important, The Judge Group offers dental coverage through United Concordia. This coverage is effective July 1, 2021 through June 30, 2022. The plan utilizes a Preferred Provider Organization (PPO) network, meaning that you have the flexibility to use any dentist of your choice; however, you can manage your out-of-pocket costs by remaining in network. A negotiated fee extends to all in-network services, even to non-covered services like cosmetics and adult orthodontia, and to services provided after the annual benefit maximum has been exceeded. Out-of-network fees are based on the 90th percentile of Reasonable and Customary charges. The annual plan maximum and deductible are defined by the calendar year.

Log on to UnitedConcordia.com to locate a provider in your area and download your ID card.

Accessing Your Online ID Card

Create your My Dental Benefits member account to easily manage your United Concordia Dental coverage online. Most benefit inquiries can be handled conveniently online using our simple, self-service member portal. Create a My Dental Benefits account to better manage your insurance coverage!

Use your My Dental Benefits account to:

• Check claim status quickly
• See what your plan covers and how much we’ll pay
• Print ID cards
• Find a dentist
• Evaluate your oral health with My Dental Assessment

After your plan’s effective date, you are able to create your account. Here’s how:

1. Go to UnitedConcordia.com/MDB
2. Click Create an Account
3. Select Member
4. Enter the ID number found on your insurance card and your birthdate. You can also use the Social Security Number of the policy holder in place of the ID number.
5. Each dependent (spouse, child or in some states, domestic partner) with United Concordia dental benefits must create their own My Dental Benefits account.

Cancer Guardian is a unique program that empowers individuals to identify their genetic risk in advance and address the challenges presented when dealing with cancer. Cancer Guardian solves the problem of awareness, access, and survival.

Program Features:

• Cancer Support Specialists
• Medical Records Platform
• Advanced DNA Testing
• Hereditary Screening
• Post Diagnosis: Comprehensive Genomic Profiling
• Second Opinion Pathology Review
• On-Site Nurse Navigator

 

We are proud to offer vision benefits through Davis Vision. The plan provides reimbursement for vision-related services such as eye exams, glasses, contact lenses, etc. Although you have the option to see any provider you wish, you will receive the best benefits at lower out-of-pocket costs when you choose an in-network doctor.

To locate a provider in your area, log on to www.idoc.davisvision.com.

1. Visit davisvision.com/member and log in to your member account.
2. Click “Find A Provider” from the menu within your member account.
3. Enter your ZIP code and radius (miles) or choose state, county, and city; you can also search by provider or business name.
4. Click “Search Now” to proceed.
5. Scroll to see results in a list or on a map; results can also be downloaded as a PDF file for offline viewing.

Once you’ve selected an in-network provider, call them to verify provider network participation, services, and acceptance of your vision plan.

For more information on in-network providers or your benefits, call Davis Vision customer service at 1-(800) 999-5431.

Chubb LifeTime Benefit Term protects your family with money that can be used any way you choose. It is most often used to pay for mortgage or rent, education for children and grandchildren, retirement, family debt, and final expenses.

If you become chronically ill, LifeTime Benefit Term will pay you a percentage of your death benefit each month you receive Long Term Care. You can use this money any way you choose, and your life insurance premiums will be waived.

During this open enrollment period only, newly hired employees can enroll up to the guarantee issue amount without answering medical questions.

 

Short Term Disability (STD) Insurance from Aflac can protect a portion of your income for up to 12 months if you become disabled due to an injury or illness and are unable to work. The policy pays a benefit of up to 60% of your pre-disability earnings, not to exceed $3,000 per month. Benefits begin after you have been disabled for 14 calendar days. During this open enrollment period only, newly hired employees can enroll up to the guarantee issue amount without answering medical questions.

Safeguard your identity with our new ID Sanctuary benefit! ID Sanctuary provides you with unlimited 24/7 restoration assistance whenever your identity has been compromised, step-by-step guidance through the identity restoration process, access to educational resources on identity theft, and more.

Additional Program Features:

• Identity Alerts
• Lost Wallet & Document Recovery
• Cyber Surveillance
• 24/7 Live Member Support
• Check & Savings Account Monitoring
• Credit Bureau Monitoring

These are only some of the features available with ID Sanctuary. Visit www.IDSanctuary.com to learn more.

HealthAdvocate’s Telephonic EAP provides unlimited, 24/7 phone access to licensed, professional counselors, prepared to help with your personal situation. They can also provide referrals for long-term counseling or specialized care, with customized plans to meet your specific needs. Six face to face visits are included with the HealthAdvocate plan at no additional cost.

• Get help for family, financial and legal problems, life transitions, substance abuse and more
• Learn strategies to manage stress, depression, anger and improve focus, such as mindfulness
• Locate childcare, eldercare, summer camps, special needs services, relocation and more
• Get time-saving help locating community resources and convenience services
• Get referred to qualified long-term help, if needed
• Consult with us in person, by phone, or chat

To learn more, call 877-240-6863, email answers@HealthAdvocate.com or visit HealthAdvocate.com/members.

 

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