Your 2025 Benefits

Administered by Health Plans, Inc

You have the option of selecting a traditional PPO plan utilizing the Cigna PPO Choice Fund network or choosing a program called Value-Driven Health Plan (VDHP).

Tradebe is pleased to provide eligible employees and dependents with medical plans through The Health Plan. You will receive an ID card that is combined with your Rx card. For employees with multiple people on the Rx plan, duplicate cards will be sent but all cards will have the employee’s name. They will not be individualized for each person.

Value Driven Health Plans (VDHP)

Our health plan features value-driven payments, which is a new, transparent way of paying for medical care at hospitals and other facilities. For members like yourself, it works a lot like other plans: Once your deductible has been met, the plan will pay their portion of costs following any coinsurance, and you can choose from many different hospitals.

Please contact Pathways Concierge for all questions related to your medical plan. They are here to help! The number can be found on the back of your medical card.

Cigna PPO Choice Fund Medical Plans

Utilize a PPO network to see Physicians

With a PPO, you have access to a large network of providers and don’t need a referral to see a specialist. If you choose to get care outside of the network (such as a physician, hospital, clinic or pharmacy), those out-of-network services will be covered at a higher cost to you and will have to submit claims yourself. You will also need to meet a separate out-of-network deductible.

NEW! Hearing Aids
One hearing aid per ear per person every 3 Calendar Years and a combined maximum of $5,000.

Administered by Cigna

Dental benefits provide you and your family with comprehensive coverage to keep your smile shining bright! The chart below provides you a brief summary of the key benefits of the dental insurance available through Cigna. For a complete list of all your dental insurance benefits and restrictions, please refer to your booklet or contact your plan administrator.

Voluntary Pre-Authorization

In the event you need to have dental work estimated to cost $300 or more, we recommend you have your dentist submit the charges to the carrier for pre-authorization. They will then review the intended treatment plan and let your dentist know how much of the bill they will cover. We recommend this to avoid any billing issues.

If you use a non-participating PPO provider, you will pay more out-of-pocket since those providers do not have negotiated rates with your dental carrier. You will also be responsible for any amount over the maximum reimbursable charge.

Click here to view Cigna Dental Certificate.

Administered by Cigna using the EyeMed network

Tradebe has designed a vision plan that includes coverage for both an annual vision exam as well as vision hardware benefits. You should always use an in-network provider whenever possible to receive the highest benefit level.

Click here to view Cigna Vision Certificate

Our High Deductible Health Plans (HDHP) are plans that provide health coverage after you or your family member has met the deductible. The deductible is higher than in a traditional plan. After meeting your deductible, your plan covers 100% if you utilize an in-network provider.

These type of plans let you decide how, when and where your health care dollars are spent. The plans combine a health plan with a tax-exempt health savings account (HSA) to help cover the health care expenses you pay out of pocket, such as deductibles.

An HSA is an important part of the HDHP plans as it allows you to set aside pre-tax dollars to offset your deductible and other qualified expenses. Employees who enroll in a HDHP are able to fund their Health Savings Accounts through pre-tax payroll deductions. Any contributions made into the account are the employee’s to use (or invest) toward future eligible expenses as they want. Any deposits to this account (and any resulting investment earnings) are exempt from federal and most state income taxes as long as they are used to pay for eligible health care services (either now or in the future). Employees who enroll in a HDHP will automatically have an HSA account set up with HSA Bank and receive an HSA Bank debit card to access funds at the point of service. There is no cost to the employee for this account being set up, and through payroll deduction, employee contributions will be transferred directly into the account on a pre-tax basis up to the limits allowed by the IRS. HDHP enrollees will receive information from HSA Bank upon enrollment.

Advantages of Having an HSA:

• Set aside pretax dollars through payroll contributions to pay for the eligible medical, dental, vision and certain over-the-counter products
• Build personal savings while reducing your taxable income
• No “use it or lose it” rule, unlike the FSA
• Invest in a wide range of mutual funds, stocks and bonds with no minimum balance requirement
• Once you reach age 65, you can use the money in your HSA for any expense. You will pay income tax on the expense if it is not health care related, but no penalties apply
• $1,000 catch up contributions allowed if you or your spouse is over age 55
• Qualified medical expense that this account can be used for can be found on the HSA Bank website at hsabank.com.

You can contribute to an HSA if you:

• Are enrolled in the VDHP HSA $3300 Plan II or the HSA $3300 Plan IV medical plan
• Are not enrolled in Medicare
• Cannot be claimed as a dependent on someone else’s tax returns.
• Do not have other non-HSA qualified coverage, like a PPO, HMO, or FSA.

A Flexible Spending Account helps you pay for health care and dependent care costs using tax-free dollars. Each pay period, you decide how much money you would like to contribute to one or both accounts. Your contribution is deducted from your paycheck on a pretax basis and is put into the Health Care FSA, Limited Purpose FSA, and/or Dependent Care FSA. When you incur expenses, you can access the funds in your account to pay for eligible health care or dependent care expenses.

Advantages of Having an FSA:

The health account allows you to fund your out-of-pocket medical, dental and vision expenses, such as copays and deductibles, with pre-tax dollars. By paying for out-of-pocket medical expenses with pretax dollars, you will save a minimum of $.23 per dollar because you do not pay Federal Income Tax or FICA tax on your contributions. The maximum contribution for 2025 will be $3,300.

If you are enrolled in the HSA plan, you can also enroll in a limited purpose FSA. This account would only be for dental and vision expenses. Medical expenses will have to come out of your HSA. The maximum contribution for 2025 will be $3,300.

• Healthcare FSA Debit Card: As an option, we are pleased to offer employees the option to have a Healthcare FSA debit card that will allow you to pay for most qualified expenses without being out-of-pocket and having to wait for reimbursement. Please remember: you must still retain all receipts as you may be asked to substantiate any expenses purchased with your FSA debit card.
• Grace Period: You are eligible for the annual grace period. This allows you to submit/incur expenses through March 15, 2026 to be paid with your remaining funds. If you do not use your funds and submit them by the deadline, the remaining balance will be forfeited. All claims must be submitted by March 31, 2026 for the January 1, 2025 - March 15, 2026 plan year.

Dependent Care Account

This account allows you to fund the costs of dependent care on a pre-tax basis. The care must be provided by a dependent care center or by an individual who can provide a name, address, and taxpayer identification number. You may contribute up to a maximum of $5,000 each tax year, per household. Although you may not take the childcare tax credit if you choose this option, you may save more depending on your income level.

Grace Period: You are eligible for the annual grace period. This allows you to submit/incur expenses through March 15, 2025 to be paid with your remaining funds. If you do not use your funds and submit them by the deadline, the remaining balance will be forfeited. All claims must be submitted by March 31, 2026, for the January 1, 2025- March 15, 2026 plan year.

What are the risks of FSAs?

FSAs should only be considered for anticipated expenses. You should be conservative when estimating the amount to contribute to each account. If you overestimate your expenses and have money left in the account at the end of the year, it will be forfeited. For a small percentage of participants, Social Security retirement benefits may be affected by participating in FSAs. Participation in this plan reduces your W-2 income, on which retirement benefits are based.

Important note: Expenses of a non-tax dependent are not eligible for reimbursement through the Healthcare FSA.

NOTE: IRS Regulations do not allow Domestic Partner claims to be submitted for reimbursement through the Flex plan unless they qualify as a tax dependent under Code Section 152.

Administered by New York Life

Accident Insurance through NY Life can help cover the out-of-pocket costs associated with an off-the-job accident by paying you a benefit depending on the injuries you suffer and the treatment you receive. You can use the money as you see fit, whether to pay for expenses associated with your accident, like an emergency room copay, or to pay for childcare so you can get to the doctor for a follow-up visit. 

The policy does not coordinate with any other coverage, so you can still receive benefits on top of what your medical plan provides.

*This is not a comprehensive list of covered injuries and treatments. Speak to a benefit counselor for a complete list of covered events. Limitations may apply.

Administered by New York Life

Critical Illness Insurance through NY Life protects your family and your assets. Being diagnosed with a covered condition can be especially draining, both emotionally and financially. The policy provides you with a lump sum cash benefit in the event you or an insured loved one is diagnosed with a covered condition such as cancer, heart attack, infectious disease or stroke. It can help provide financial protection so you can focus on getting better. The policy also includes a $50 annual health screening benefit when you complete a qualified screening.

Administered by New York Life

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 NY Life 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, whether that’s for coinsurance or childcare. The policy does not coordinate with any other coverage, so you can still receive benefits on top of what your medical plan provides.

Administered by Chubb

A voluntary benefit that is a personal, precise, and proactive way for you to manage your health. CAP combines Financial Protection and Cancer Care, including Genetic Cancer Screening, to help you determine your risk for cancer and Pharmacogenomic Testing to determine your best treatment based on your own DNA. In addition to testing and treatment, CAP provides a dedicated Oncology Nurse Advocate to coordinate Clinical Trial Enrollment, Expert Medical Review, and so much more including financial protection, proactive cancer screening, cancer management, education and empowerment, and cancer recovery.

Administered by Chubb

LifeTime Benefit Term Insurance with Long Term Care Coverage through Chubb includes living benefits that provide financial support to cover the cost of long term care like nursing home, assisted living, or home care that you might need as a result of an accident, illness, or aging. As life insurance, the program also protects your family with money that can be used any way they choose like your mortgage or rent, education for children, retirement, or final expenses.

Administered by CuraLinc Healthcare

Life does not always go smoothly. All of us experience times when a personal problem or crisis situation affects the way we function at work or home. Your Employee Assistance Program (EAP) is a problem solving resource available to you and your household members. A professional counselor will assist you in assessing your situation, finding options, making choices or locating further help.

It’s free... Your employer covers the cost of initial assessment, additional problem solving sessions and referral services. If there is a need for further counseling or treatment, your counselor will help you explore various options.

It’s confidential... Your EAP has been set up with CuraLinc Healthcare, an outside counseling resource to assure confidentiality. No one at work will know you have chosen to seek help unless you choose to tell them. Nothing concerning your use of EAP will appear in your personnel file.

CuraLinc Healthcare is only a phone call away at 888-881-5462 or via web at www.support-linc.com (Username: tradebe)

New York Life recognizes that employees are often stretched between striving to do more at work, while also balancing life’s responsibilities, such as taking care of their families and loved ones. That’s why we’re excited to provide enhanced value-add service offerings through our partnership with ComPsych® Guidance Resources, one of the industry’s most trusted employee-assistance leaders. Resources offered are:

NYL GBS Employee Assistance and Wellness Support - Helping employees and household members find solutions that restore peace of mind and work-life balance:

• 3 counseling visits per person / per event / per year
• Wellbeing Coaching – 5 telehealth visits per year
• Digital Portal, Mobile App, & Monthly Webinars
• Critical Incident Support – Onsite Hours

NYL GBS Financial, Legal and Estate Support - Offering financial wellness programs to help employees take charge of their future:

• Unlimited access to financial, legal, and estate experts.
• Professional support including unlimited financial information, tax consultations, family budgeting and estate planning.
• Assistance to identity-theft support with legal specialists as well as fraud-resolution services.

• Online tool to assist with writing wills and living wills

NYL GBS Secure Travel - A worldwide assistance program that is part of your NYL GBS Accidental Death and Dismemberment (AD&D)

• This program is available when you travel more than 100 miles from home.*
• Pre-trip planning – helpful services and information when planning a trip
• Assistance while traveling
• Transportation related to medical emergencies
  • Emergency evacuation if adequate medical facilities are not available locally
  • No dollar limits on medical evacuation or repatriation covered services arranged through Secure Travel.

• Services are provided and benefits are arranged by our service provider, Generali Global Assistance (GGA)

NYL GBS Survivor Assurance  - A free, interest-bearing account for claim payments of $5,000 or more. Account balances and activity can be managed 24/7 at http://www.nylgbssurvivorassurance.com/.

Healthy Working Life Pre-Disability Services -  Pre-disability vocational services is a voluntary service feature of NYL GBS Healthy Working Life program to assist insured, actively at work employees, with a serious medical condition to remain productive and at work, while also helping them manage limitations that may be associated with their condition. Employee must be enrolled in LTD

• What We Do:
  • Coaches conduct individualized telephonic assessments.
  • Coaches recommend personalized interventions.
  • The employer will determine whether or not to implement any recommendations
  • NYL funds up to $1,000 per member, per event in accommodations.
  • Learn more about the program: Click Here

NYL GBS Health Advocacy Program –NYL GBS offers our customers and their families (including spouse/domestic partner, dependent children, parents and parents-in-law) access to expert assistance with a wide range of healthcare and health insurance challenges. These services are described below.

• Health advocacy services are provided by experienced clinicians and insurance professionals, typically a Registered Nurse or a person experienced in health benefits and administrative issues. These “Personal Health Advocates” know the "ins and outs" of the healthcare and health insurance worlds, and are supported by medical directors and other clinical and benefits specialists.
• These services are available for use anytime by your employees or a member of the family and anywhere in the United States. And when facing healthcare issues for family that may be long distance, it’s comforting to have help.
• Personal Health Advocates provide clinical and administrative support for many types of healthcare, benefits or medical bill issues.
• The Personal Health Advocate will also assist with Senior Care and Special Needs service.
• Health advocacy services also help customers to get the most out of their health care benefits.
• Another critical component of this offering is Medical Bill Saver™. Personal Health Advocates work with health care professionals to negotiate a discount for customers on non-covered medical bills over $400, helping to reduce their out-of-pocket costs

Call 888.724.2262, Monday - Friday from 8:00 am to 10:00 pm Central to speak with an MSA representative.

Administered by PetPartners

Take the stress out of unexpected vet bills. Pet insurance reimburses you for the cost of accidents and illnesses. Coverage Includes: emergency treatments, surgeries, medications, laboratory services, and more. Plus, you can visit any licensed veterinarian or specialist.