2024 - 2025 Benefits

The cornerstone of Monarch Healthcare Management’s benefits package is medical coverage. Whether you are facing an illness or injury, or simply utilize preventive care, the company offers comprehensive protection against the financial hardship that can accompany a medical need. Read this section to determine which option best meets the needs of you and your eligible dependents.

Monarch Healthcare Management offers three medical plan options. All options provide high-quality, affordable medical care, including preventive care, doctor’s visits, hospitalization, and emergency care. However, each plan has unique characteristics and advantages. The plans are offered through Medica, a non-profit organization providing health coverage to approximately 1.5 million

Behavioral Health Resources
Access self-care techniques, coping tools, meditations, sleep tracking, and more at no additional cost - anytime, anywhere with Self Care by AbleTo. Check-in, track your progress, and explore personalized content that you can move through at your own pace on your mobile device. Build skills you can use for life to feel better. To get started, visit AbleTo.com/Begin and select "Medica" when asked for your access code. After you register, download the AbleTo app.

My Health Rewards
Get inspired to make positive changes. Taking steps to improve your health might be easier than you think. Whether you want to stress less, quit smoking or eat more fruits and veggies, My Health Rewards by Medica® makes it fun – and rewarding. You’ll earn gift cards as you complete activities personalized just for you. To find your own path to better health, click here to learn more and register My Health Rewards Members | Medica.

Pregnancy Resources | Ovia Health
Support for your entire parenthood journey. Ovia guides you through your pregnancy, parenting, and reproductive health journey - including trying to conceive and managing menopause. Get clinically-backed content and unlimited support from Ovia’s team of health coaches, registered nurses, and certified nurse midwives within Ovia Health’s three apps: Ovia (for reproductive health), Ovia Pregnancy, and Ovia Parenting.

Medica CallLink
Put worries to rest with 24/7 support. Trusted answers any time of day or night. Worried that your stomach bug could be serious? Wondering what to do about that cough that won’t go away? The advisors and nurses at Medica CallLink® can help. They’re available 24 hours a day, 365 days a year to answer your questions and help you make smart decisions about your health. Just call 800-962-9497 (TTY users, call 711).

LifeTime Digital Fitness
Kickstart healthy habits with a LifeTime Digital membership at no additional cost. Get hundreds of on-demand and live-streaming fitness classes, meditations, plus nutrition and lifestyle article content to support your well-being goals.

100% Preventive Care & Medical Information Resources
Preventive care can help keep you healthy or catch a possible problem early. Preventive services generally screen for certain types of cancer, immunize you against disease and are received once per year, or as recommended by your doctor. When you visit a network provider, your plan covers preventive services at 100%. If you receive both preventive and non-preventive care at your visit, the preventive services will be covered at 100%. You’ll pay a share of the costs for the non-preventive services. To find out more about how to be proactive about your health, go to Medica.com/Prevention.

To register your MyMedica account, access additional resources, such as how to find a physician or pharmacy, and to learn more about your health plan, please visit mymedica.com 

Administered by Delta Dental

Staying healthy includes good dental care. Monarch Healthcare Management’s dental plan provides the comprehensive coverage necessary to help you and your family maintain good dental health. Employees have the choice between two plans; the Low Option and the High Option. 

Delta Dental Member Portal
The Delta Dental Member Portal provides a library of information and resources for members at no cost to you! Resources include FAQ documents, helpful tools, and much more! You can also access your ID card, manage your account, and check your claim status. 

Administered by MetLife

You can’t always predict – or control – your life. But, you can prepare for it. Protecting the financial interests of your loved ones in the event of your death or serious injury can be invaluable. Monarch Healthcare Management provides life and AD&D (accidental death or dismemberment) benefits through MetLife. 

Basic Term Life and AD&D – Eligible employees automatically receive the basic portion of the Life and AD&D benefit – there are no choices to be made. Any benefits paid out are tax-free to the recipient.

Voluntary Life and/or AD&D – In addition to employer-paid life insurance, employees may elect supplemental coverage for themselves, their spouse, and/or children. When you enroll yourself and/or eligible dependents in this benefit, you pay the full cost of coverage through post-tax payroll deductions.

Administered by Voya

Monarch Healthcare Management provides Voluntary Disability Insurance through Voya to all benefit-eligible employees who work at least 30 hours per week. If you’re unable to work due to a sickness or injury, disability insurance can help you meet expenses and maintain your standard of living. It can help you pay bills like your mortgage, tuition, and car payments, and help cover expenses for food, clothing, and utilities. By replacing a portion of your income, disability insurance can help you provide financial security until you get back on your feet and return to work.

• Benefit: Maximum of $1,250 per week, not to exceed 60% of salary
• Elimination period: 14 days
• Benefit duration: Up to 26 weeks

Administered by MetLife

Long Term Disability Insurance provides protection if an unexpected illness or injury keeps you from working. If you become disabled and can’t work, you may face a gap between your income and expenses. Long Term Disability Insurance can help fill this gap by paying you a monthly benefit until you are able to return to work. Voluntary Long Term Disability coverage is offered to benefit eligible employees working at least 30 hours per week. Employees pay the full cost of this insurance.

• Benefit: Maximum of $6,000 per month, not to exceed 60% of salary
• Elimination period: 180 days
• Benefit duration: Social Security Normal Retirement Age

Administered by Voya

Monarch Healthcare Management provides Voluntary Hospital Indemnity insurance through Voya to all benefit eligible employees who work at least 30 hours per week.

Even with health insurance, a stay in the hospital can become costly quickly as out-of-pocket charges begin to add up. Hospital Indemnity Insurance through Voya can reduce the financial and emotional stress of a hospital stay by providing a lump sum cash benefit directly to you that can be used however you need. You have two plans from which to choose. Enroll without answering medical questions!

How does it work?
With Hospital Indemnity Insurance, you’ll receive a fixed daily benefit if you have a covered stay in a hospital that occurs on or after your coverage effective date. Benefit amounts are listed below and depend on the type of facility and number of days of confinement. Any combination of facility confinement and admission benefits payable includes a limit, please see your certificate for further confirmation. And for a complete description of your available benefits, exclusions and limitations, see your certificate of insurance and any riders.

Administered by Allstate Identity Protection

Identity theft protection services from Allstate Identity Protection (formerly known as InfoArmor) help assess your risk, deter theft attempts, detect fraud and manage the restoration process in the event of an identity theft. If Allstate Identity Protection detects suspicious activity, a certified privacy advocate can act as a dedicated case manager on your behalf and resolve the issue.
Once enrolled, you must take action to activate your account. A welcome email and letter will be sent to you from Allstate Identity Protection (formerly known as InfoArmor). You must:

1. Complete your profile in the member portal
2. Activate credit monitoring to take full advantage of the product
3. If you enrolled in the family plan, add your dependents to your account

Plan Features:

• Identity and Credit Monitoring
• Dark Web Monitoring
• High-Risk Transaction Monitoring
• Financial Activity Monitoring
• Social Media Monitoring
• IP Address Monitoring
• Lost Wallet Protection
• Credit Monitoring and Alerts

Administered by EyeMed

Monarch Healthcare Management offers a vision plan administered by EyeMed. This coverage is a voluntary benefit that features coverage for prescription glasses and contact lenses, as well as other vision-related items.

As with the dental plan, you have the freedom to receive services from any provider. You will, however, receive a greater level of benefit if you use a provider who participates in the EyeMed Select network. By using a network provider, you may also receive discounts for services not otherwise covered by the vision plan (i.e., sunglasses and laser vision correction).

Please note: this plan provides coverage for materials and hardware only. Coverage for routine annual vision exams are provided through your Medica medical plan as a preventive appointment as long as you use an in-network provider.

Administered by Wex

If you enroll in either the Plan B $3,200-80% or Plan C $6,350-100% HSA, you can contribute to an HSA on a pre-tax basis through payroll deduction. Annual contributions are limited by federal law depending on the level of health coverage you elect. You can start, stop or change your HSA contribution at any time during the year.

Total contributions to the plan cannot exceed the IRS maximum for 2024 of $4,150 for an employee and $8,300 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.

What is a Health Savings Account?

Administered by Wex

Medical Flexible Spending Account (FSA)
The Medical Flexible Spending Account (FSA) gives participants in the Plan A $1,000-80% the opportunity to set aside pre-tax dollars to pay for qualified medical, dental and vision expenses. Examples of eligible expenses include deductibles and co-pays, prescription drug costs, over-the-counter medicines (if prescribed by a doctor), and other non-covered medical, dental, vision and hearing care expenses. The FSA year is July 1st through June 30th.

You may contribute up to $3,200 to your Medical FSA through pre-tax payroll deductions. Estimate expenses carefully, as a federal “use-it-or-lose-it” law applies. This means that if you have not incurred enough expenses to reimburse the funds in your account at the end of the year, your remaining account balance will be forfeited. Keep in mind that you cannot change your FSA election mid-year without a corresponding qualifying life event.

Dependent Care Flexible Spending Account (FSA)
The Dependent Care Flexible Spending Account (FSA) allows employees to set aside pre-tax dollars to pay for eligible dependent daycare expenses. Contributions are automatically deducted from your paychecks on a pre-tax basis, saving you money by not paying federal, state or Social Security taxes on the portion of your income that you contribute to the plan.

You may contribute up to $5,000 ($2,500 if married and filing separately) to your Dependent Care FSA through pre-tax payroll deductions. Estimate expenses carefully, as a federal “use-it-or-lose-it” law applies. This means that if you have not incurred enough expenses to reimburse the funds in your account at the end of the year, your remaining account balance will be forfeited.
Keep in mind that you cannot change your FSA election mid-year without a corresponding qualifying life event.

Administered by Transamerica

Universal Life Insurance through Transamerica offers Monarch Healthcare Management employees working a minimum of 30 hours per week flexible financial protection. There are a number of optional riders, including “living benefits” that allow you to accelerate a portion of the life insurance death benefit if diagnosed by a physician as chronically or terminally ill. These extra “living benefits” can be used to help pay expenses from an unexpected medical crisis and alleviate the worry of future financial problems.

• Coverage: Insurance up to $500,000, not to exceed 5 times your annual salary.
• Guaranteed Issue: 5x your salary to $150,000 (available when first eligible to enroll)
• Simplified Issue: 5x your salary to $100,000 (available if applying after initial eligibility)
• Cash Value: You have the ability to build cash value with a guaranteed tax-deferred interest rate of 3%
• Accelerated Death Benefit: An advance of up to 75% of the death benefit is paid when the employee is diagnosed as terminally ill.
• Children/Grandchildren Term Life: Benefit of $10,000 or $20,000 for each child. All children in the family will be insured for the same insurance amount. Children must be between 15 days and 25 years old.

Administered by Voya

Monarch Healthcare Management provides Voluntary Accident insurance through Voya to all benefit-eligible employees who work at least 30 hours per week.

Accidents can happen at any time, to anyone, and when you least expect them – and they can be costly. Even quality medical plans can leave you with extra expenses to pay. Having the financial support you may need when the time comes means less worry for you and your family.

Benefit: 24-hour coverage on-and-off-job
Portability: you can continue your group coverage up to the employee age of 70 at the same rates if you leave your employer

And every year that you complete a qualified health screening, you and your covered dependents are eligible for a $50 Health Screening Benefit.* Cholesterol tests, as well as many other preventative tests, qualify for this health screening benefit. 

*The Wellness (Health Screening) Benefit pays the amount shown on the Plan Description for one (1) health screening test performed during a twelve (12) month period for each Insured, up to a maximum of four benefits per family.

Administered by Voya

Monarch Healthcare Management provides Voluntary Critical Illness Insurance through Voya to all benefit eligible employees who work at least 30 hours per week.

No one can be completely prepared when a critical illness strikes, but if you or a loved one is diagnosed with a covered condition such as cancer, stroke, or heart attack, Critical Illness Insurance through Voya provides a lumpsum cash benefit to help pay for out-of-pocket medical expenses or any other bills that need attention, including rent or groceries. And every year that you complete a qualified health screening, you and your covered dependents are eligible for a $50 Health Screening Benefit.* Cholesterol tests, as well as many other preventative tests, qualify for this health screening benefit. 

*The Wellness (Health Screening) Benefit pays the amount shown on the Plan Description for one (1) health screening test performed during a twelve (12) month period for each Insured, up to a maximum of four benefits per family.