Return to flip book view

Message EMPLOYEE BENEFITSGUIDE2024 - 2025An overview of the wide array of benefits provided byTMI Services, Inc. to help you enjoy increased well-being and financial security.

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 TMI Services, Inc.As an employee of TMI Services, Inc., enjoying your work and making valuable contributions to business are equally vital. The health, satisfaction and security of you and your family are important, not only to your well-being, but ultimately, in terms of achieving the goals of our organization.For the 2024 – 2025 plan year, TMI Services, Inc. has worked hard to offer a competitive total rewards package that includes valuable and competitive benefit plans. These programs reflect our commitment to keeping our staff healthy and secure. We understand that your situation is unique, and TMI Services, Inc. is offering an overall benefits package that can be shaped and molded by you to fit your needs.This benefits booklet is a summary description of your TMI Services, Inc. benefit plans. If there is a discrepancy between these summaries and the written legal plan documents, the plan documents shall prevail. This booklet and plan summaries do not constitute a contract of employment.We hope this benefits booklet, along with our additional communication and decision-making tools, will help you make the best health care choices for you and your family.INTRODUCTIONEligibility & EnrollmentAs a full-time employee working 30+ hours/week you are eligible for benefits. You can enroll or make changes during our annual enrollment period or within 30 days if you experience a qualifying life event during the year. A Qualifying Life Event includes changes in marital status, employment status, birth or adoption of a child, death of a dependent, entitlement to Medicaid or Medicare, loss of other coverage or eligibility of dependents.Benefits Begin 90 days following date of hire Benefits EndMedical, Life, STD, Accident & Critical Illness: Last day of employmentDental & Vision: End of month following last day of employmentDependents Up to age 26Domestic Partners Same and opposite sex

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 TMI Services, Inc.Comparison of PlansCoverage Provided by Blue Cross of NCIn-Network Blue HPN Low Plan1Blue Options Base Plan Blue Options Buy-Up PlanBenefit Period Plan Year: 5/1 – 4/30 Plan Year: 5/1 – 4/30 Plan Year: 5/1 – 4/30Deductibles (Individual / Family)$5,000 / $10,000 $5,000 / $10,000 $3,500 / $7,000Out-of-Pocket Max (Individual / Family)$9,450 / $18,900 $9,450 / $18,900 $7,000 / $14,000Preventive Care Covered 100% Covered 100% Covered 100%Primary Care Visit$50 Copay(Register your PCP in Blue Connect and copay is waived for 1stthree visits)$50 Copay(Register your PCP in Blue Connect and copay is waived for 1stthree visits)$25 Copay(Register your PCP in Blue Connect and copay is waived for 1stthree visits)Specialist Visit $100 Copay $100 Copay $50 CopayTelehealth via Teladoc $10 Copay $10 Copay $10 CopayUrgent Care $100 Copay $100 Copay $50 CopayEmergency Room $500 Copay $500 Copay $500 CopayOutpatient Procedure 40% after deductible 40% after deductible 40% after deductibleInpatient Visit 40% after deductible 40% after deductible 40% after deductiblePharmacy / RX (30 Day Supply)Essential Formulary$10/100%**$100 max for Tiers 2-5$10/100%**$100 max for Tiers 2-5$10/$25/$40/$80/25%**$100 min, $200 maxMEDICALThe chart below is an overview of the In-Network benefits. Out-of-Network benefits are available on the Blue Options Base and Buy-Up Plans (Blue HPN is In-Network only); please review your BCBSNC plan documents for additional details.1Blue HPN is a limited network; Out-of-Network benefits not available. Provider network is subject to change. For the most up-to-date list of In-Network HPN providers, use the Find a Doctor tool at: www.BlueCrossNC.com/HPNdoctors

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 TMI Services, Inc.Less than 1 Year of Service Blue HPN Low Plan Blue Options Base Plan Blue Options Buy-Up PlanEmployee $56.36 $67.25 $89.13Employee + Spouse $161.37 $194.18 $244.61Employee + Child(ren) $145.37 $174.84 $220.92Employee + Family $276.37 $333.18 $414.90Your Cost Per Pay Period (52 Weekly Deductions) 1 to 3 Years of Service Blue HPN Low Plan Blue Options Base Plan Blue Options Buy-Up PlanEmployee $33.82 $40.35 $62.22Employee + Spouse $138.82 $167.28 $217.70Employee + Child(ren) $122.83 $147.94 $194.02Employee + Family $253.83 $306.28 $387.993+ Years of Service Blue HPN Low Plan Blue Options Base Plan Blue Options Buy-Up PlanEmployee $28.18 $33.63 $55.50Employee + Spouse $133.19 $160.55 $210.98Employee + Child(ren) $117.19 $141.22 $187.29Employee + Family $248.19 $299.56 $381.27

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 TMI Services, Inc.Less than 1 Year of Service Blue HPN Low Plan Blue Options Base Plan Blue Options Buy-Up PlanEmployee $81.41 $97.15 $128.74Employee + Spouse $233.09 $280.48 $353.32Employee + Child(ren) $209.98 $252.55 $319.11Employee + Family $399.20 $481.27 $599.30Your Cost Per Pay Period (36 Deductions) 1 to 3 Years of Service Blue HPN Low Plan Blue Options Base Plan Blue Options Buy-Up PlanEmployee $48.84 $58.29 $89.88Employee + Spouse $200.52 $241.62 $314.46Employee + Child(ren) $177.42 $213.69 $280.25Employee + Family $366.64 $442.41 $560.443+ Years of Service Blue HPN Low Plan Blue Options Base Plan Blue Options Buy-Up PlanEmployee $40.70 $48.57 $80.17Employee + Spouse $192.38 $231.91 $304.75Employee + Child(ren) $169.28 $203.98 $270.54Employee + Family $358.50 $432.69 $550.72

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 TMI Services, Inc.Wellness and Health ManagementUnderstanding the full value of covered benefits allows you to take responsibility for maintaining good health and incorporating healthy habits into your lifestyle. Some examples include getting regular physical examinations, mammograms and immunizations. Through the plans offered by TMI Services, Inc., all covered individuals and family members are eligible to receive routine wellness services like these, at no cost; all copays, coinsurance, and deductibles are waived.Which Preventive Care Services Are Covered?The US Preventive Services Task Force maintains a regular list of recommended services that all Affordable Care Act (i.e., Health Care Reform) compliant insurance plans should cover at 100% for in-network providers. Below is a list of common services that are included in the plans offered this year:• Routine physical exam• Well baby and childcare• Well women visits• Immunizations• Routine bone density test• Routine breast exam• Routine gynecological exam• Screening for Gestational diabetes• Obesity screening and counseling• Routine digital rectal exam• Routine colonoscopy• Routine colorectal cancer screening• Routine prostate test• Routine lab procedures• Routine mammograms• Routine pap smear• Smoking cessation• Health education/counseling services• Health counseling for STDs and HIV • Testing for HPV and HIV• Screening/counseling for domestic violencePREVENTIVE CARE

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 TMI Services, Inc.Employees and dependents enrolled in our medical plan have access to telemedicine through Teladoc. Telehealth provides acute and behavioral care 24 hours a day via phone or video by board-certified doctors and behavioral health specialists. Telehealth is a good option for minor health problems when you can’t see your regular doctor. It is also a convenient choicewhen you want to speak to a counselor or therapist. Some providers will also offer telehealth appointments. Check with your provider on the availability and cost.How Does Telehealth Work?Your virtual visit will take place via phone, video call on a laptop, tablet or cellphone; or through an app. The provider will ask you the same questions you'd be asked at an in-person visit and may recommend treatment based on their findings.What Can’t Telehealth Be Used For?• Life-threatening or emergency situations • Situations in which diagnostic care (e.g., blood work, imaging or lab tests) are required• Situations of severe illness or complex conditionsHow Do I Access Telehealth?There are 3 ways to access Teladoc:• Download the Teladoc mobile app• Go to Teladoc.com and click “Log in/Register”• Call 1-800-835-2362Refer to your plan documentation for more information.TELEHEALTHWhat Can Telemedicine Be Used For?General, non-life-threatening doctor's visits or consultations for acute care, such as:• Allergies• Cough, cold and flu• Diarrhea, nausea and vomiting• Ear problems• Insect bites• Sinus problems• Urinary problems• And moreBehavioral health issues such as:• Addictions• Anxiety• Depression• Grief and loss• Relationship issues• And more

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 TMI Services, Inc.Summary of CoverageCoverage Provided by Equitable In-NetworkCalendar Year Deductibles(Individual / Family)$50/$150Preventive Care Covered at 100%Basic Procedures Covered 80% after deductibleMajor Procedures Covered 50% after deductibleCalendar Year Maximum Benefit $1,000DENTALBelow is a high-level summary of our dental benefits. While Out-of-Network coverage is available, using an In-Network provider will result in less out of pocket expenses. In-Network dentist cannot balance bill you for the amount over the allowable charges. Please review your plan documents for additional details.52 Weekly Deductions 36 DeductionsEmployee $6.19 $8.94Employee + Spouse $12.64 $18.26Employee + Child(ren) $14.25 $20.59Employee + Family $22.63 $32.69Your Cost Per Pay Period

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 TMI Services, Inc.Summary of CoverageCoverage provided by Equitable In-NetworkVision Exam (once every 12 months) $10 CopayLenses (once every 12 months)$25 Copay(lenses and frames)Frames (once every 24 months) Up to $150 AllowanceElective Contact Lenses (in lieu of lenses and frames) Up to $150 AllowanceVISIONOur vision coverage is provided by Equitable. Please review your plan documents for additional details.52 Weekly Deductions 36 DeductionsEmployee $1.20 $1.73Employee + Spouse $2.38 $3.44Employee + Child(ren) $2.55 $3.69Employee + Family $4.08 $5.90Your Cost Per Pay Period

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 TMI Services, Inc.This Is How An FSA Works:• You set aside money for your FSA from your paycheck before taxes are taken out.• You then use your pre-tax FSA funds throughout the plan year to pay for eligible health care expenses.• You save money on expenses you're already paying for.• Elect up to $3,200 per plan year. • Use it or lose it rules apply. Be conservative when making elections.Health FSA Eligible Expenses• Medical expenses: copays, coinsurance and deductibles• Dental expenses: exams, cleanings, X-rays and braces• Vision expenses: exams, contact lenses, eyeglasses and laser eye surgery• Professional services: physical therapy, chiropractic and acupuncture• Prescription drugs and insulin• Over-the-counter health care items such as bandages, pregnancy tests and blood pressure monitorsRefer to your FSA documentation for more information. FLEXIBLE SPENDING ACCOUNT (FSA)Provided by HSA Bank

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 TMI Services, Inc.Coverage provided by Equitable Plan FeaturesEmployee Benefit Amount 1 x EarningsMaximum Benefit Amount $200,000Benefit Reductions Begin at age 65Group life insurance coverage is an employer-sponsored safety net in case the worst happens, with no out-of-pocket costs to you. GROUP LIFE and AD&D INSURANCESHORT TERM DISABILITY INSURANCEDisability insurance is coverage that provides you with income protection should you be unable to work due to an injury or illness. With disability coverage, you are compensated for a portion of your lost income. Short-Term disability provides coverage in the near term.Coverage provided by Equitable Plan FeaturesCoverage Paid By TMI ServicesTaxation Benefit is taxedEmployee Benefit Amount 60% of EarningsMaximum Benefit Amount $500/weeklyElimination Period 7 days accident / 7 days sicknessBenefit Duration Up to 12 weeks

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 TMI Services, Inc.Voluntary Benefits are offered to assist employee's personal insurance needs. These programs are designed to fill the gaps in coverage such as your deductibles and co-insurance under your major medical.WORKSITE BENEFITSCoverage provided by EquitableAccidentPays a cash benefit if you or a covered family member experience an accident. Coverage can be purchased for employee and dependents.Critical IllnessPays a lump sum benefit if you or a covered family member are diagnosed with one of the covered serious illnesses.Our EAP through ComPsych Guidance Resources provides access to highly trained clinicians for confidential assistance at no cost to you.This program includes 3 face-to-face counseling sessions per occurrence per year and 24/7 phone support for financial, legal, and work-life concerns. Call 1.833.256.5115 Visit www.guidanceresources.comWeb ID: EQUITABLE3EMPLOYEE ASSISTANCE PROGRAM (EAP)Your Cost Per Pay PeriodAccident Plan 52 Weekly Deductions 36 DeductionsEmployee $1.54 $2.22Employee + Spouse $2.60 $3.75Employee + Child(ren) $2.84 $4.10Employee + Family $3.90 $5.63*Premium for Critical Illness plan is based on rates and volume by age band; see Employee Navigator for benefit cost

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 TMI Services, Inc.Carrier ResourcesBENEFIT CARRIER WEBSITEMedical BCBSNC www.blueconnectnc.comDental Equitable www.equitable.com/employeebenefitsVision Equitable (VSP) www.equitable.com/employeebenefitsLife Equitable www.equitable.com/employeebenefitsSTD Equitable www.equitable.com/employeebenefitsEAP Equitable/ComPsych www.guidanceresources.comFSA HSA Bank www.hsabank.comHow to access ID CardsBENEFIT CARRIER HOW TO ACCESSMedical BCBSNCWill receive a Medical ID card in the mail. Can also access through the BCBSNC portal (www.blueconnectnc.com) Dental EquitableAccess your Dental ID card through the Equitable EB360 portal (www.equitable.com/employeebenefits) Vision Equitable (VSP)Access your Vision ID card through the Equitable EB360 portal (www.equitable.com/employeebenefits), then follow link to the VSP website (www.vsp.com/register.html)

EMPLOYEE BENEFITS GUIDEPrepared By Sentinel Benefits Consulting | sentinelra.com2024 - 2025TMI Services, Inc.