Administered by UHC/Neighborhood Health Partnership

For Team Members working 30 hours or more per week, Kolter Hospitality is pleased to offer medical benefits administered by UHC/Neighborhood Health Partnership that meet the health care needs of you and your covered dependents.

• Comprehensive medical and prescription drug coverage
• Open Access: see any provider you want, no referrals needed (but you will pay less when you see an in-network and designated provider
• Free preventive care services/prescriptions
• Telemedicine services for 24/7 access to a doctor with a $0 copay through 1800MD
• Enroll into the NHP HMO HSA and receive $25 into your HSA to use for qualified expenses per month of completed active employment
• Enroll into the NHP HMO w/ $2000 Gap or NHP HMO w/ $6000 and you will be enrolled into a Medical Gap plan without any additional cost, to help cover certain medical expenses

UHC Rewards: With UHC Rewards, you can earn rewards by completing one-time activities or meeting daily goals such as fitness and sleep. A variety of actions - including many things you may already be doing - lead to rewards. The activities you go for are up to you, as well as how you choose to spend your earnings. UHC Rewards is available through the UnitedHealthcare® app and myuhc.com®. Watch the video below to learn more!

 

Administered by Optum

For Team Members working 30 hours or more per week, if you enroll into the NHP HMO HSA you will be enrolled a Health Savings Account (HSA) with Optum. An HSA is a great way to set aside tax-free money for your healthcare expenses. Because you enrolled into a high deductible health plan (HDHP), you have topay a certain amount out of your own pocket before your health plan covers your medical expenses. The funds you save into this account can cover your deductible and other out-of-pocket qualified expenses including doctor’s visits, prescriptions, dental expenses and even contacts and glasses. Kolter Hospitality will contribute $25 monthly to your HSA and we encourage you to participate as well. The funds in this account never expire, even if you change plans next year or leave the company.

The IRS limits the total amount that can be contributed to your HSA from all sources. For 2023, the IRS contribution limit is:

• Employee Only coverage:$3,850
• Family coverage levels: $7,750
• Age 55+ catch-up contributions: $1,000

Administered by Prosperity

For Team Members working 30 hours or more per week, if you enroll into the NHP HMO w/$2000 Gap or NHP HMO w/$6000 Gap, you will be automatically enrolled into medical gap. Gap insurance provides supplemental coverage to help offset your out-of-pocket costs due to deductibles, copayments and coinsurance. The policy is “assignable” so the provider or facility can bill Prosperity directly for covered services, eliminating the need to file a claim in most instances.

• NHP HMO w/$2000 Gap provides a benefit of $2,000 per covered person, max of $4,000 in benefits for the family
• NHP HMO w/$6000 Gap provides a benefit of $6,000 per covered person, max of $12,000 in benefits for the family

Benefits payable under the policy are limited to any health benefit plan deductible and coinsurance the Covered Person incurs under the health benefit plan for:

Inpatient

• Inpatient treatment for an Injury or Sickness (Includes Hospital Stays, Inpatient Procedures and Inpatient Physician Charges).
• Ground or Air Ambulance services.
• Pregnancy of Insured and any Covered Dependent.
• Treatment of Mental Illness and Substance Abuse.

Outpatient

• Outpatient treatment in a Hospital Emergency Room (Accident or Sickness).
• Outpatient treatment in an Urgent Care Facility (Accident or Sickness).
• Cancer Treatment performed in a Cancer Treatment Facility.
• Physical Therapy performed in a Physical Therapy Facility (Includes Speech and Occupational).
• Outpatient surgery performed in a Hospital Outpatient Facility an Ambulatory Surgical Center, or Physician’s Office (Excluding Physician’s Professional Fee).
• Outpatient treatment performed in a Hospital Outpatient Facility or Physician’s Office (Excluding Physician’s Professional Fee).
• Ground or Air Ambulance services.
• Outpatient diagnostic testing performed in a Hospital Outpatient Facility, a Magnetic Resonance Imaging (MRI) Facility, or a Physician’s Office (Includes Labs and X-rays).
• Durable Medical Equipment when prescribed by a Physician.
• Treatment of Mental Illness and Substance Abuse.
• Kidney Dialysis in a Hospital Outpatient Facility or Dialysis Treatment Center.
• Professional Fee for Physician Office Visits, including services of a Chiropractor at a Chiropractor’s Office (Excludes Telemedicine).

 

Administered by 1800MD

All Kolter Team Members and their dependents have access to 1800MD’s telemedicine services. 1800MD’s multi-disciplinary team of providers is there for you over the phone or video consultation 24/7/365. Telemedicine can be a good choice when you are away from home, when you need care now or when you need a short-term prescription refill and are not able to get to your primary care doctor. The doctors can treat or refer you for many medical conditions including those for which you might seek urgent or emergency care and even prescribe medications.
For Team Members who enroll into the medical plan, you can also take advantage of these additional benefits:

• Medical Pricing Transparency: Medical pricing tool allows members to conveniently source qualified physicians, view medical procedure pricing information, and compare medical pricing in various geographic areas. This consumer-friendly transparency enables you to shop for affordable care in a location that is convenient for you and make more informed decisions regarding your healthcare. Search for services or procedures you need, compare costs and save money on out-of-pocket medical expenses.
• Medical Bill Negotiation ($750 bill min): Designed to ensure fair medical pricing, Medical Bill Negotiation utilizes expert medical advocates to negotiate with hospitals and providers on behalf of Kolter Hospitality’s members directly. Advocates aim to achieve discounted bills and accommodating payment terms. When a medical bill is submitted, Our Dedicated Health specialists thoroughly review documents to ensure coding accuracy, scan for duplicate pricing, and identify excessive charges. Our proactive advocacy services ensure that members pay a fair price for much needed medical assistance. $750 bill minimum.

 

Administered by United Healthcare

Your company offers you the option to enroll in dental coverage administered by United Healthcare. The Dental HMO offers in-network benefit coverage and a copay schedule for all services. The Dental PPO provides you the ability to visit any doctor you like but you enjoy deeper discounts and the claim is filed for you when you visit contracted network providers.

 

Administered by United Healthcare

For Team Members working 30 hours or more per week, your company offers vision coverage, administered by United Healthcare on the UHC Vision Network (Spectera Eyecare Network), to help cover the cost of eye examinations and other vision care expenses. The Plan offers coverage when visiting any provider, with deeper discounts and service guarantees when you choose a provider in the network.

Administered by Allstate

Team Members who work 20 hours or more per week, can elect Whole Life Insurance benefits from Allstate. Life Insurance can provide a piece of mind for your family and Whole Life can build a cash value over time among other benefits. This policy, offering an accelerated death benefit, also offers the additional piece of mind of a living care benefit which allows you to access your benefits if you are diagnosed with a qualifying terminal illness OR are unable to complete 2 or more ADL’s, (activities of daily living), after a 90 day wait period. You can also elect to cover your spouse and children with a policy.

Administered by Lincoln Financial Group

Your company pays the cost of Basic Life and AD&D Insurance for all active, full-time team member working 30 hours per week. Life Insurance provides a benefit to your beneficiary in the event of your death. If death results from an accident, the AD&D portion of the insurance pays an additional benefit and in some cases, it may provide a benefit if you are injured as the result of an accident.

Team Members working 30 hours or more per week have the option to purchase additional Voluntary Term Life Insurance with AD&D coverage for yourself, your spouse and/or child(ren). You must enroll for voluntary coverage for yourself in order to enroll your dependent(s). Evidence of Insurability (EOI) might be required for eligibility.

Administered by Lincoln Financial Group

If you area full-time team member working 30 hours per week, the company provides you with Short Term Disability coverage. Disability coverage protects you if you are unable to work due to medical reasons and your doctor must certify that you are unable to return to work on a full-time or partial basis. Short Term Disability coverage replaces 60% of your weekly wages up to a maximum of $1,000 per week. Benefits begin on the 8th day of injury or illness and continues for 13 weeks.

Team Members working 30 hours or more per week have the option to purchase Voluntary Long-Term Disability coverage. The Long-Term Disability will replace 60% of your base salary up to $10,000 per month. The benefits have a 90 day elimination period and can continue up to Social Security Normal Retirement Age.

Administered by Lincoln Financial Group

You can customize your benefit package by choosing the plans that best fit your individual needs. Lincoln Financial Group voluntary supplemental benefits of various types are available for purchase on an after-tax basis.

• Accident coverage pays a cash benefit for injuries resulting from an accident that occurs off the job.
• Critical Illness pays a cash benefit for specified conditions to help with the costs associated with diagnosis and other expenses.

Administered by Pet Benefit Solutions

Team  Members working 20 hours or more per week can elect this benefit. Pet coverage through Pet Benefit Solutions provides piece of mind and discounted services for veterinary expenses for your pet. Policies are available for one pet ($11.75/month) or more (2+ pets: $18.50/month) and provides benefits such as discounted veterinary care, discounted medications and pet products, virtual veterinary care and a lost pet recovery service.

EAP is a Company-sponsored service that is available to all Team Members and your dependents, which provides confidential support, resources and information to get through life’s challenges. Team Members and their families often face challenging daily demands, including issues at work, with family, finances and more, which is why your company provides an Employee Assistance Program (EAP), through Lincoln Financial EmployeeConnect, at no cost to you.

In-person guidance

Some matters are best resolved by meeting with a professional in person. With EmployeeConnect, you and your family get:

• In-person help for short-term issues (up to five sessions with a counselor per person, per issue, per year)
• In-person consultations with network lawyers, including one free 30-minute in-person consultation per legal issue, and 25% off subsequent meetings

Unlimited 24/7 assistance

You and your family can access the following services any time — online, on the mobile app, or with a toll-free call:

• Information and referrals on family matters, such as child and elder care, pet care, vacation planning, moving, car buying, college planning, and more
• Legal information and referrals for family law, estate planning, and consumer and civil law
• Financial guidance on household budgeting and short- and long-term planning

Online resources

EmployeeConnect offers a wide range of information and resources you can research and access on your own. Expert advice and support tools are just a click away when you visit GuidanceResources.com or download the GuidanceNowSM mobile app. You’ll find:

• Articles and tutorials
• Videos
• Interactive tools, including financial calculators, budgeting worksheets, and more

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