Health Insurance Through ICHRA

WHAT IS ICHRA?

An Individual Coverage Health Reimbursement Arrangement (ICHRA) is a modern way for you to get health coverage. Instead of being limited to a one-size-fits-all group plan, ICHRA gives you more flexibility and control over your healthcare by letting you choose the individual plan that best suits your needs. Your employer will contribute monthly towards your health insurance premiums.

1. Log into The Big Plan Platform: You’ll receive an email with a link to log into The Big Plan (TBP) platform. Once logged in, you can review your employer’s ICHRA contribution.
   Important: This is not the cost of your health insurance; it’s the amount your employer is contributing toward your plan.
2. Complete the Health Questionnaire: Answer a few simple health-related questions (you can skip this if you’d like) to help the system recommend the best plan for your needs.
3. Review Your Plan Options: You’ll be shown three main plan options, and the prices displayed will already factor in your employer's ICHRA contribution:
   • Best Match: Based on your questionnaire answers.
   • Lowest Premium: Usually a high-deductible plan with lower monthly costs.
   • Cheapest $0 Deductible: For those who want no upfront costs when receiving care.
   You can explore all available plans if you'd like.
   Important: Some plans may be suggested even if your doctor is out-of-network. The platform will indicate which doctors are in-network; however, it is important to call the provider to make sure they take the plan.
4. Complete Your Application: Fill out the application on the TBP platform. Be sure to have the following information handy for all covered members:
   • Date of Birth
   • Social Security Number
   • Any other required personal details
   • Any family members information (DOB, SSN etc.)
5. Application Review: Once submitted, The Big Plan team will review your application within 2–3 business days before sending it to the insurance carrier.
6. Submission to Carrier: Once The Big Plan submits your application to the insurance carrier, there may occasionally be questions or additional information needed from you. If this happens, we will contact you immediately.
   Important: Please respond promptly to any requests to ensure your application is processed without delays. Keep an eye on your email for any communication from us.

Payments
The Big Plan (TBP) will work with your employer to cover the entire premium, even if your employer’s ICHRA contribution is less than the full price of your selected plan. The difference between your employer’s contribution and the total premium will be deducted from your paycheck.

Important: The plan you are enrolled in is an individual plan. You may receive a bill in the mail reflecting the full premium. Do not pay this bill or cancel your policy. If you receive a delinquent notice or a notice of cancellation, contact us immediately at help@thebigplan.com. Once your plan is active, you’ll receive an email confirmation.

Limited Medical

Paradigm offers 2 additional medical options through The American Worker. Click here for a chart provides a brief overview of these benefits beginning January 1st.

Administered by MetLife

Keep a smile on your face and more money in your pocket with our dental plan. Having a dental plan that covers exams, X-rays, fillings and more can help you save money and live healthier.

You have two options available:

• Option 1 - Low Option
• Option 2 - High Option

Please review and carefully choose the best plan for you and your family. 

Click here for information on MyBenefits Registration!

Administered by MetLife

Even if you don’t wear glasses, regular visits to your eye doctor are important to your overall health. That’s because a routine eye exam can often detect early signs of serious health conditions like diabetes. Please review and carefully choose the best plan for you and your family.

• Low Option
• High Option

Click here for information on MyBenefits Registration!

Administered by hsabank

A Health Savings Account (HSA) is a tax-advantaged account designed to pay for medical expenses now and save for the future. It’s a perfect compliment to any high deductible health plan and empowers accountholders to take control of their health.

You can open an account with HSA Bank by enrolling online through our website at www.hsabank.com. To do this click the button titled “Open an HSA” this is located on top right side of our main page. However, if you are signing up through your employer or an insurance agent, please inquire about a custom link as they may be different from our standard enrollment process.

Triple tax advantage: Health savings accounts offer a three-pronged tax benefit:

• Tax-free contributions: Contributions made via payroll deduction are tax-free which effectively lowers taxable income.
• Investment growth: HSA funds are eligible for investment and enjoy tax-free growth potential.
• Withdrawals: When HSA funds are used for qualified, eligible healthcare expenses, taxes don’t apply.

If you have any questions or would like further assistance, please feel free to contact our Client Assistance Center toll-free at 1-800-357-6246 or international 920-803-4100. Our representatives are available 24 hours a day, 7 days a week.

Administered by MetLife

Long-Term Disability

Paradigm offers disability through MetLife. The following list provides a brief overview of these benefits:

Monthly Benefit Amount: $100-$10,000 (60% of Pre-disability Earnings)

Benefit Amount Increments: Employees will have the option of selecting a flat dollar amount in increments of $25 per week

Elimination Period: 180 days or until the end of the STD maximum benefit period

Benefit Duration: The later of your normal retirement age as defined by Social Security

Pre-Existing Condition Limitation: 12/12

Own Occupation Period: 24 months

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Administered by MetLife

Paradigm offers Basic Life and AD&D through MetLife. All active full-time employees working a minimum of 30 hours per week are eligible. 

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Accidents can happen anytime—at work, during your commute, while playing sports, or even doing something as simple as walking down the stairs. And when they do, the unexpected costs can add up fast. Accident Insurance through MetLife helps fill the financial gaps left by your medical plan by paying cash benefits directly to you, regardless of other insurance you may have.

This 24/7 coverage applies whether the injury happens on or off the job and includes a wide range of scenarios. Benefits are paid for:

• Broken bones and dislocations

• Concussions, burns, and eye injuries

• Emergency room visits and ambulance rides

• Follow-up doctor visits and physical therapy

• Hospital stays (regular or ICU)

• Surgery, prosthetics, and medical appliances

• Accidental death, dismemberment, or paralysis

There's also a $50 annual health screening benefit that rewards you for completing preventive screenings like physicals, mammograms, or cholesterol checks. Plus, if the accident occurs while participating in an organized sports activity, benefit payouts may increase by 25%, helping cover even more of your out-of-pocket expenses.

You can use the cash however you need—to help with medical bills, travel costs, child care, or even everyday household expenses while you recover.

Click here to download more information!

When a serious illness strikes, it can bring more than just a health crisis—it can also bring financial uncertainty. MetLife Critical Illness Insurance offers peace of mind by paying a lump-sum benefit directly to you if you're diagnosed with a covered condition. This money is yours to use however you need—whether that’s medical bills, travel to specialists, groceries, or rent.

Coverage includes a wide range of conditions:

• Cancer (invasive and non-invasive), heart attack, stroke, and major organ transplant

• Kidney failure, ALS, Alzheimer’s, and Parkinson’s

• Infectious diseases (like COVID-19, encephalitis, or tuberculosis) that result in hospitalization

• Childhood illnesses including type 1 diabetes, cerebral palsy, and spina bifida

If you experience a second occurrence of a previously covered illness, many conditions are also eligible for a recurrence benefit—meaning you could receive a second lump-sum payment for the same diagnosis after a designated suspension period.

You’ll also receive a $50 health screening benefit each year just for completing preventive care like a wellness exam or certain lab tests. Coverage is available for you and your eligible family members, and it’s portable—so you can take it with you if you leave your job.

Click here to download more information!

Hospital stays—whether planned or unexpected—can result in out-of-pocket costs even if you have health insurance. Hospital Indemnity Insurance from MetLife helps protect your wallet by providing fixed cash benefits when you're admitted to a hospital due to an accident or illness.

This plan pays you directly, regardless of what your regular health insurance covers. You can use the money however you need—whether it's to pay for your deductible, cover lost income, help with household expenses, or reduce financial stress during recovery.

Covered benefits include:

• Hospital admission: $1,000 per admission (up to 4 times per year)

• ICU admission: Additional $1,000 on top of the hospital admission

• Daily confinement benefits: $150 per day in a standard room and another $150 per day if in the ICU (up to 31 days)

• Newborn nursery care: $200 per day, for up to 3 days

• Inpatient rehabilitation: $75 per day, up to 15 days/year

• Health screening benefit: $50 annually for completing eligible wellness tests

You can enroll yourself and eligible family members, and coverage is portable—so you can keep your plan if you change jobs. This policy is designed to give you peace of mind and financial flexibility during hospitalizations.

Click here to download more information!

Administered by Farmer's Insurance

As an employee you have access to auto and home insurance from Farmers GroupSelect. This program provides you with special savings, outstanding customer service, and a full suite of products. In addition to auto and homeowners insurance, we offer a variety of other policies and endorsements including:

• Condo
• Renter's
• Personal excess liability
• Boat
• Motorcycle
• RV

Program Discounts and Features:

Take advantage of special Farmers GroupSelect discounts and benefits that could save you hundreds.

• Automatic payment discount
• Good driving rewards
• A loyalty discount for your years of service
• Multi-policy discounts
• Multi-vehicle savings
• 24/7 superior service

Switch & Save Today!

You may apply for auto and home insurance through this program for eligible group members at any time. Take advantage of these savings today and call 800-438-6381 or visit www.myautohome.farmers.com. 

Advertisement produced on behalf of the following specific insurers seeking to obtain business for insurance underwritten by Farmers Property and Casualty Insurance (a MN licensee) and certain of its affiliates: Economy Fire & Casualty Company, Economy Preferred Insurance Company, Farmers Casualty Insurance Company (a MN licensee), Farmers Direct Property and Casualty Insurance Company, Farmers Group Property and Casualty Insurance Company, or Farmers Lloyds Insurance Company of Texas, all with administrative home offices in Warwick, RI. Coverage, rates, discounts, and policy features vary by state and product and are available in most states to those who qualify. © 2022 Farmers Insurance® 4559718.1

Get affordable access to experienced attorneys for common legal needs, including estate planning, home sales, family matters, and tax issues. For $19.75/month, you receive unlimited consultations and fully covered services when using a network attorney—no copays or deductibles.

How it works

• Choose a network attorney online at legalplans.com.

• Contact the attorney with your case number to schedule an appointment.

• You may use an out-of-network attorney and receive partial reimbursement.

MetLife Legal Plans makes legal support simple, convenient, and cost-effective.

Click here to download a list of carrier contact information.