Symphony Care Network is pleased to offer a comprehensive benefits program, that offers you choice and flexibility, so you can take charge of your physical, financial and emotional well-being. For detailed information about each of the benefits plans and programs available to you and your family, please click on the down arrow for each benefit listed below.
Administered by Priority Health
Preventive care is fully covered if obtained in-network. Your costs for other services will depend on which plan you choose. Review the network provider information and out-of-pocket costs such as deductibles, coinsurance, and prescription drugs so you can choose the best fit for your health concerns and budget.
WHICH PLAN IS RIGHT FOR YOU?
Consider HMO (Health Maintenance Organization) if:
WHEN TO USE THE ER
Administered by Delta Dental of Michigan
It’s important to go to the dentist regularly. Brushing and flossing are great, but regular exams catch dental issues early before they become more expensive and difficult to treat. That’s where dental insurance comes in. Dental insurance makes it easier and less expensive to get the care you need to maintain good oral health. Dental insurance covers three types of treatments:When it comes to choosing a dental plan for you and your family, Symphony employees have two options:
Administered by Eyemed
Vision coverage helps with the cost of eyeglasses or contacts. But even if you don’t need vision correction, an annual eye exam checks the health of your eyes and can even detect more serious health issues such as diabetes, high blood pressure, high cholesterol, and thyroid disease.
After a copay, your vision checkup is covered in full once every 12 months. After any applicable materials copay, the plan covers frames, lenses, and contacts.
Voluntary Short-Term Disability
Administered by Allstate
Short-Term Disability (STD) coverage pays you a benefit if you temporarily can't work because of an injury, illness, or maternity leave. Benefits may be reduced by income from other income sources such as paid time off. Your doctor and the insurance company will work together to determine how long benefits are payable, based on your condition.
| Plan Features: | |
| Employee Coverage | |
| Maximum monthly benefit: | $5,000 |
| Benefits begin: | After 7 days of disability due to accident or 7 days due to sickness |
| Maximum payment period*: | 6 month |
Click here for the Allstate Disability Brochure for more detailed information.
Administered by Reliance Standard
Long-Term Disability (LTD) coverage pays you a certain percentage of your income if you can't work because an injury or illness prevents you from performing any of your job functions over a long time. It's important to know that benefits are reduced by income from other benefits you might receive while disabled, like workers' compensation and Social Security. If you qualify, long-term disability benefits begin after short-term disability benefits end.
| Plan Features: | |
| Employee Coverage | |
| Monthly benefit: | The monthly benefit is an amount equal to 60% of covered earnings, up to a maximum benefit of $10,000 per month. |
| Benefits begin: | 180 consecutive days of total disability. |
*The age at which the disability begins may affect the duration of the benefits.
Click here for the Long Term Disability Brochure for more detailed information.
Is your family protected?
Life and AD&D insurance can fill a number of financial gaps for a family recovering from an illness, injury or worse. After a loss of income, many families have to reduce their standard of living after the loss of an income. Consider what your family would need to cover:
Company Provided Coverage
Basic Life Insurance pays your beneficiary a lump sum if you die. AD&D (Accidental Death & Dismemberment) coverage provides a benefit to you if you suffer from loss of a limb, speech, sight, or hearing, or to your beneficiary if you have a fatal accident. The cost of coverage is paid in full by the company. Please review your life benefit summaries for coverage amounts.
Administered by Mutual of Omaha
We offer voluntary coverage that you can purchase for yourself, your spouse, and your children. Voluntary Life Insurance allows you to purchase life insurance to protect your family's financial security. Coverage is available for your spouse and/or child(ren) if you purchase coverage for yourself. You pay the cost of this coverage.
| 2023 Mutual of Omaha Voluntary Life Plan | |
| Employee | 5 x annual earnings u p to $300,000 (increments of $ Guaranteed issue of $100,000 |
| Spouse | 100% of employee amount up to $50,000 (increments of $ 5,000); Guaranteed issue of $35,000 |
| Child(ren) | Increments of $2,000 up to $10,000 |
YOUR BENEFICIARY = WHO GETS PAID
If the worst happens, your beneficiary the person (or people) on record with the life insurance carrier receives the benefit. Make sure that you name at least one beneficiary for your life insurance benefit, and change your beneficiary as needed if your situation changes.
GUARANTEED ISSUE
If you purchase life insurance coverage above a certain limit (the "guaranteed issue" amount) or after your initial eligibility period, you will need to submit Evidence of Insurability with additional information about your health in order for the insurance company to approve the amount of coverage.
ANNUAL ENROLLMENT
Employees who enroll for at least the minimum amount of coverage during their initial enrollment period may increase their election at Open Enrollment by up to $10,000 without EOI. Amounts over the Guarantee Issue will require evidence of insurability (proof of good health). This feature allows you to secure additional life insurance protection in the event your needs change
See all the discount programs you are eligible for working for Symphony Care Network.
What is Working Advantage? Working Advantage is a unique benefit offered to companies and their employees which includes convenient access to hundreds of offers and shopping discounts.
Register now, and you'll have access to exclusive savings on movie tickets, theme parks, hotels, Broadway and Vegas shows, shopping partners & more. Be sure to visit often as new products and discounts are constantly being added!
How do I sign up?
Contact Information:
Symphony Care Network employees qualify for monthly discounts on their personal Verizon Wireless accounts. Below we’ve detailed options to register for this discount.
To Complete Registration or Validation via Work Email Address:
To Register or Validate by Paystub:
If you need assistance with the process, please call the Verizon Wireless Employment Validation Center directly at 1.800.890.8007 or go to Discounts and Employment Validation FAQs.
As a Symphony employee, you and your family are automatically eligible to become CAFCU members! No matter your financial situation, there's always room to improve and make for a better tomorrow.
Corporate America Family Credit Union (CAFCU) provides all the products and services of a traditional bank plus the added benefits of FREE unbiased financial coaching and education, as well as member discounts, rewards, and other perks! CAFCU is dedicated to educating and empowering your financial success.
Making it possible to ADVANCE YOUR EDUCATION with a 15% GRANT.
Rasmusssen College offers more than 50 quality, challenging programs across seven schools of study in a variety of convenient learning options. Because not every student learns the same way or has the same schedule, these learning options help make education more attainable. Group them with affordable tuition rates, scholarship opportunities and seamless transfer policies, and suddenly higher education becomes an exciting, viable reality.
Prepare to advance your education at RasmussenCollege with a degree from the one of the following:
Rasmussen College is a regionally accredited private college dedicated to changing lives through in-demand, flexible educational programs. Since 1900, the College has been committed to academic innovation and providing access to a high standard of learning. Rasmussen College offers Certificate and Diploma programs as well as Associate’s, Bachelor’s and Master’s degree programs online and across its 23 Midwest and Florida campuses.
Next steps:
Administered by Reliance Standard
Voluntary accident insurance provides a range of fixed, lump‐sum benefits for injuries resulting from a covered accident, or for accidental death and dismemberment (if included). These benefits are paid directly to the insured and may be used for any reason, from deductibles and prescriptions to transportation and childcare.
Features:
Eligibility
All Active Full-Time Employees working 16 hours or more per week, except for any person working on a temporary or seasonal basis.
Click here for the Reliance Standard Accident Plan brochure.
Administered by Reliance Standard
Voluntary group critical illness insurance provides a fixed, lump- sum benefit upon diagnosis of a critical illness, which can include heart attack, stroke, paralysis and more. These benefits are paid directly to the insured and may be used for any reason, from deductibles and
prescriptions to transportation and child care.
Click here for the Reliance Standard Critical Illness brochure.
Administered by Reliance Standard
Voluntary hospital indemnity insurance provides a range of fixed, lump-sum daily benefits to help cover costs associated with a hospital
admission, including room and board costs. These benefits are paid directly to the insured following a hospitalization that meets the criteria for benefit payment.
Plan Features:
*Overlying major medical plan is required for all California residents.
Click here for the Reliance Standard Hospital Indemnity brochure.
Administered by Pet Benefit Solutions
Established in 1995, Pet Assure is America’s Veterinary Discount Plan. As an alternative or addition to pet insurance, Pet Assure helps pet owners like you save on veterinary care. Pet Assure members save 25% at participating veterinarians on all in-house medical services, including:
It’s as simple as that: since Pet Assure is not insurance, there are no forms to fill out, no waiting for reimbursements and no denials of coverage – even pets with pre-existing conditions are accepted. Pet Assure has participating veterinarians in all 50 states and Puerto Rico. Search for a veterinarian at www.petbenefits.com/search.
Life can throw a lot at you, from small worries to big concerns. If you find yourself focusing too much on relationship, work or other issues, your EAP benefit offers confidential help and support to help you take control. A specialist will listen to your needs and connect you to the appropriate resources. Clinicians, counselors, mediators, lawyers and financial advisors are ready to help you with:
24-hour online access is also available at liveandworkwell.com.
Your Employee Assistance Program
Click here for a detailed informational flyer.
Experience a better way to buy with Purchasing Power, a benefit offered by Symphony Care Network. With our program, you can get the items you need now and pay overtime right through your paycheck. No credit check. Fixed payments. No hidden fees. With our online store, you can buy brand-name goods and services and pay for them over time right from your paycheck.
Administered by Access Perks
Save up to 50% at restaurants, retailers, hotels, grocery stores and more!
Access Perks helps you get the most bang from your benefits by saving you money on your everyday purchases. No other employee discount program comes close to delivering more savings. You’ll have access to over 1MM participating merchant locations in virtually every neighborhood nationwide, and it’s all available at no cost to you!
Download the “Access Perks” app today & start saving!
Click here to view the carrier contact sheet.