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WELCOME TO OPEN ENROLLMENT Plan Year: January 1, 2024 – December 31, 2024
Welcome to Open Enrollment for Lifetech Resources 2 PICK THE BEST BENEFITS FOR YOU AND YOUR FAMILY Lifetech Resources strives to provide you and your family with a comprehensive and valuable benefits package. We want to make sure you’re geng the most out of our benefits—that’s why we’ve put together this Open Enrollment Guide. Open enrollment is a short period each year when you can make changes to your benefits. This guide will outline all of the different benefits Lifetech Resources offers, so you can idenfy which offerings are best for you and your family. Elecons you make during open enrollment will become effecve on January 1st, 2024. If you have quesons about any of the benefits menoned in this guide, please don’t hesitate to reach out to your HR team. TABLE OF CONTENTS Benefits Eligibility ................................................................................................................ 3 What’s New for 2024 .......................................................................................................... 5 Medical Insurance ............................................................................................................... 5 Dental Insurance ................................................................................................................. 9 Vision Insurance ................................................................................................................ 10 FSA Healthcare and Dependent Care ................................................................................ 11 Voluntary Benefit Plans ..................................................................................................... 12 Life & EAP .......................................................................................................................... 13 Quesons and Answers ..................................................................................................... 14 What We Can Do to Help .................................................................................................. 15 Carrier Contacts ................................................................................................................ 16
Welcome to Open Enrollment for Lifetech Resources 3 BENEFITS ELIGIBILITY WHO IS ELIGIBLE If you’re a full-me employee at Lifetech Resources, you’re eligible to enroll in all benefits outlined in this guide. Full-me employees are those who work 30 or more hours per week. In addion, the following family members, including a legal spouse, domesc partner, and / or children are eligible for medical, dental and vision coverage: You, your spouse’s or domesc partner’s biological children, stepchildren, adopted children or foster children up to age 26. You, your spouse’s, or domesc partner’s children of any age if they are incapable of self-support due to a physical or mental disability. HOW TO ENROLL Are you ready to enroll? The first step is to review your current benefits. You will receive an email from your broker shortly aer the open enrollment meeng which will include a link to the benefits portal and instrucons on how to login. Once you successfully log in, please verify all of your personal informaon, and make any necessary changes. Once all your informaon is up to date, it’s me to make your benefit elecons. The decisions you make during open enrollment can have a significant impact on your life and finances, so it is important to weigh your opons carefully. The portal will list your current plan and rate along with the opons and rates for the new plan year. WHEN TO ENROLL Open enrollment begins on November 14th and runs through December 4th. The benefits you choose during open enrollment will become effecve on January 1st, 2024. WAIVER PROVISION Employees may elect to “Waive” the benefit coverage offered by their employer if they have access to coverage through a spouse / domesc partner or through another plan. Therefore, any employee who declines parcipaon in the benefit plan offered by Lifetech Resources MUST complete a waiver elecng not to enroll in the plan(s) offered by Lifetech Resources. Anyone who is not elecng coverage MUST complete and submit the waiver form online through the group’s online benefits portal by the end of the open enrollment process.
Welcome to Open Enrollment for Lifetech Resources 4 MAKING CHANGES OUTSIDE OF OPEN ENROLLMENT If you decide to change your elecons as the result of one of the events listed below, you must do so within 30 days aer the qualifying event. If you do NOT nofy HR within 30 days aer the event, you cannot change your elecons unl the next annual Open Enrollment. You must provide HR with verificaon of all changes of life events. Examples of QE’s include (according to the IRS): Loss of other coverage, including change in Medi-Cal eligibility. Marriage, divorce, or legal separaon. Birth or adopon of a child. Change in child’s dependent status. Death of a spouse, child, or other qualified dependent. Change in residence. Change in employment status or a change in coverage under another employer-sponsored plan.
Welcome to Open Enrollment for Lifetech Resources 5 WHAT’S NEW FOR 2024 MEDICAL INSURANCE To help guide you through the plan selecon, the following pages include details concerning how the plans will operate as well as plan highlights and features. What is an HMO? HMO stands for Health Maintenance Organizaon and an HMO plan covers services performed solely by in-network providers. Tends to be a lower cost system but is more restricve than a PPO plan. What is a PPO? PPO stands for preferred provider organizaon and a PPO plan has a network of preferred providers, but also allows for the use of providers outside the plan’s network. It is more flexible than an HMO but is usually more expensive. The following charts compare each of the health plans that will be renewed on Jan. 1, 2024. Kaiser Gold 80 HMO 250 Services As of January 1, 2024 Deducble $250/ $500 Primary/ Specialty Visit $35/ $55 Lab/ X-Ray/ Imaging $35/ $55/ $250 aer deducble Urgent Care $35 Hospitalizaon $600/ day aer deducble, 5 days max Emergency Room $250 aer deducble Out-of-pocket Maximum $7,800/ $15,600 Prescripons - Deducble Tier 1/2/3/4 $0 $15/ $40/ $40/ 20% up to $250 Product underwritten by Blue Shield of CA & Kaiser Permanente. Policies have exclusions and limitations that may affect benefits payable. All plans may not be available in all states and benefits provided may also vary by state.
Welcome to Open Enrollment for Lifetech Resources 6 Kaiser Gold 80 HMO 0 Kaiser Silver 70 HMO 2500 Services As of January 1, 2024 Deducble $0 $2,500/ $5,000 Primary/ Specialty Visit $35/ $60 $55/ $90 Lab/ X-Ray/ Imaging $30/ $40/ $250 $55/ $90/ $300 aer deducble Urgent Care $35 $55 Hospitalizaon $600/ day, 5 days max 35% aer deducble Emergency Room $350 35% aer deducble Out-of-pocket Maximum $7,700/ $15,400 $8,750/ $17,500 Prescripons - Deducble Tier 1a/1b/2/3/4 $0 $15/ $50/ $50/ 20% up to $250 $0 $19/ $85/ $85/ 30% up to $250 Blue Shield Gold Access + HMO 500 Blue Shield Silver PPO 2000 Services As of January 1, 2024 Deducble $500/ $1,000 $2,000/ $4,000 Primary/Specialty Visit $35/ $55 $60/ $80 Lab/ X-Ray/ Imaging $35/ $55/ $50 $60/ $80/ $35% Urgent Care $35 $60 Hospitalizaon 20% aer deducble 35% aer deducble Emergency Room $300 aer deducble $300 + 35% aer deducble Out-of-pocket Maximum $7,500/ $15,000 $8,750/ $7,500 Prescripons - Deducble Tier 1/2/3/4 None $15/ $35/ $55/ 20% up to $250 $350 $25/ $80/ $115/ 30% up to $250 *Please be advised that you will need to select a PCP when newly enrolling into the Blue Shield Gold Access HMO 500. To find a provider please go to: www.blueshieldca.com/fad/home – Click ‘Primary Care Physician,’ then ‘Connue as a guest’ and enter your locaon. From there you must select your plan by following the steps: Click ‘Select a Plan,’ enter the plan year for 2024, the plan type is ‘2024 Small Business HMO Access +,’ then the subplan is ‘Gold Access+ HMO 500/35 OffEx’ then click connue with this plan to pull your list of doctors. If you want to search the PPO network, then you can choose the plan type as ‘2024 Small Business PPO Full (Incl Covered CA)’ then select the subplan you are enrolled (or enrolling) on.
Welcome to Open Enrollment for Lifetech Resources 7 Blue Shield Gold PPO 0 Blue Shield Planum PPO 0 Services As of January 1, 2024 Deducble $0 $0 Primary/Specialty Visit $35/ $50 $10/ $30 Lab/ X-Ray/ Imaging $35/ $50/ 30% $15/ $25/ 10% Urgent Care $35 $10 Hospitalizaon 30% 10% Emergency Room $250 + 30% aer deducble $150 + 10% Out-of-pocket Maximum $8,500/ $17,000 $4,700/ $9,400 Prescripons - Deducble Tier 1/2/3/4 $0 $20/ $45/ $60/ 30% up to $250 $0 $10/ $35/ $55/ 30% up to $250 Product underwritten by Blue Shield of CA & Kaiser Permanente. Policies have exclusions and limitations that may affect benefits payable. All plans may not be available in all states and benefits provided may also vary by state.
Welcome to Open Enrollment for Lifetech Resources 8 BEST PRACTIES TO MAXIMIZE YOUR COVERAGE 3. Save money on medicaons. If you take a brand-name medicaon, ask your doctor if you are a good candidate for a generic substute. Also, take advantage of the mail order program for maintenance medicaons. 4. Be sure to ulize the opportunies available to you through the Kaiser Permanente and Blue Shield wellness programs. Virtually all workshops and events are a free benefit to you and, in most cases, your dependents. 5. Lastly, don’t hesitate to ask quesons. We encourage you to be your own advocate. Write down your quesons before your doctor’s appointment, take a family member or friend with you as a second set of ears to hear what the doctor is saying, and be sure to get answers to all of your quesons before the appointment ends. 1. Take full advantage of the resources your medical, pharmacy and dental plans have to offer. Review their websites for detailed informaon. Use their nurse line services and take advantage of free prevenve services and wellness visits. 2. If you need to see a doctor and it is aer hours or you cannot get an appointment right away, you have a few opons: Coverage Benefit Virtual Visits See a board-cerfied doctor in a few minutes with no appointment. Doctors and Nurses are available 24/7 to assess your condion. Urgent Care For urgent, but not severe, problems that would otherwise warrant a trip to the hospital Emergency Room For situaons that involve serious trauma or other life-threatening condions
Welcome to Open Enrollment for Lifetech Resources 9 DENTAL INSURANCE In addion to protecng your smile, dental insurance helps pay for dental care and usually includes regular checkups, cleanings, and X-rays. Several studies suggest that oral diseases, such as periodons (gum disease), can affect other areas of your body—including your heart. Receiving regular dental care can protect you and your family from the high cost of dental disease and surgery. We’re happy to say that there are no-cost changes to your dental benefits for Jan. 1, 2024. The following chart outlines the dental benefits we offer. If you enroll in the HMO dental plan you will need to select a primary dental office. you can do this by following the steps below. 1) Click on the link below to search for your primary dental office: hps://www.humana.com/dentalinsurance/find-a-denst 2) Click on "Find a denst" 3) It will take you to a new screen where you will provide your zip code and the lookup method to determine what network we are searching for. Aer entering your zip code, click on the coverage type, being DHMO, then the network is Liberty Dental, then hit select. 4) From there you can choose the category on how you want to search for providers. For example, you can type in general, for general densts. 5) From there select your denst and input the dental ID number and name of the office/denst below your selected plan. Humana HMO Humana PPO Services As of January 1, 2024 Deducble No Deducble or office copay $50 Prevenve Services 100% 100% deducble waived Basic Services Please review plan summary on the benefits portal 80% Major Services Please review plan summary on the benefits portal 50% No Orthodona Annual Maximum Unlimited Unlimited Out-of-Network Coverage None UCR 90th Percenle Biweekly Payroll Deducon Employee Only – $3.04 Employee Only – $34.24
Welcome to Open Enrollment for Lifetech Resources 10 VISION INSURANCE Driving to work, reading a news arcle, and watching TV are all acvies you likely perform every day. Your ability to do all of these acvies, though, depends on your vision and eye health. Vision insurance can help you maintain your vision as well as to detect various health problems. Lifetech Resources’ vision insurance entles you to specific eye care benefits. Our policy covers roune eye exams and other procedures and provides specified dollar amounts or discounts for the purchase of eyeglasses and contact lenses. If you seek the services of a provider listed in our Preferred Provider directory, your benefits include the following: Product underwritten by Humana. Policies have exclusions and limitations that may affect benefits payable. All plans may not be available in all states and benefits provided may also vary by state. Humana TYPE OF SERVICE As of January 1, 2024 Exam $10 Lenses $15 Frame $130 Allowance Contacts $130 Allowance Frequency Once per calendar year Biweekly Payroll Deducon Employee Only – $3.10
Welcome to Open Enrollment for Lifetech Resources 11 FLEXIBLE SPENDING ACCOUNTS Paying for health care can be stressful. That’s why Lifetech Resources offers a flexible spending account (FSA). WHAT IS AN FSA HEALTHCARE PLAN? WHAT ARE THE BENEFITS? A Flexible Spending Account (FSA, also called a “flexible spending arrangement”) is a special account you put money into that you can use to pay for certain out-of-pocket health care costs. This plan lets you use pre-tax dollars to pay for eligible health care expenses for you, your spouse, and your eligible dependents. You don’t pay taxes on this money. This means you’ll save an amount equal to the taxes you would have paid on the money you spend on these items. With an FSA, you submit a claim to the FSA (through TASC) with proof of the medical expense and a statement that your plan hasn't covered it. Then, you’ll get reimbursed for your costs. You cannot stockpile money in your FSA. If you do not use it, you lose it. You should only contribute the amount of money you expect to pay out of pocket that year up to the limit of $3,200. WHAT IS AN FSA HEALTHCARE PLAN? WHAT ARE THE BENEFITS? Dependent Care FSAs allow you to contribute pre-tax dollars to qualified childcare & dependent care expenses, for children age 12 and younger. The maximum amount you may contribute each year is $5,000 (or $2,500 if married and filing separately).
Welcome to Open Enrollment for Lifetech Resources 12 VOLUNTARY BENEFIT PLANS Voluntary benefit plans are addional opons you can choose at your own expense, offering an extra layer of financial protecon to cover costs that your regular insurance might not. They're meant to complement, not replace, your exisng coverage. Plus, they’re portable – if you switch jobs or rere, your coverage follows you. It’s about being prepared for the unexpected, so make sure to check out the plan summaries for all the specifics. ACCIDENT PLAN Accident insurance provides financial assistance in the event of an unexpected injury, helping to cover costs that may not be fully paid by your medical insurance. This could include emergency room visits, hospital stays, medical exams, and other expenses associated with an injury. The plan typically pays out a lump sum benefit based on the type of injury and the treatment received, offering addional financial support during a potenally challenging me. HOSPITAL INDEMNITY PLAN Hospital Indemnity Insurance offers financial protecon by providing a daily, weekly, or monthly benefit if you are hospitalized due to an illness or injury. This plan can help cover the extra expenses that may not be covered by your medical insurance, such as hospital stays, outpaent surgery, and other related costs. The payouts are made directly to you, giving you the flexibility to use the funds where they are needed most. SPECIFIED DISEASE PLAN Specified Disease Insurance provides a lump-sum benefit upon the diagnosis of a specified crical illness, such as a heart aack, stroke, or cancer. This financial support can help cover the high costs associated with treang these serious illnesses, as well as any addional expenses that may arise, such as travel for treatment, home modificaons, or lost income. The goal of this insurance is to ease the financial burden during a challenging me, allowing you to focus on recovery. SHORT TERM DISABILITY PLAN Short Term Disability (STD) insurance is designed to provide a poron of your income should you be unable to work due to a qualifying temporary disability, whether from an illness, injury, or childbirth. Unlike worker’s compensaon, which covers work-related injuries, STD can assist you when you’re facing non-work-related health issues that impede your ability to perform your job. The benefits are distributed as a percentage of your salary and help ensure you can maintain your lifestyle without the added stress of financial strain during your period of recovery. It’s a valuable resource, giving you peace of mind that you won’t be le without income during short-term setbacks.
Welcome to Open Enrollment for Lifetech Resources 13 BASIC LIFE INSURANCE Life insurance can help provide for your loved ones if something were to happen to you. Lifetech Resources provides full-me non-management employees with $50,000 in group life and accidental death and dismemberment (AD&D) insurance. Lifetech Resources pays for the full cost of this benefit—meaning you are not responsible for paying any monthly premiums. Contact HR if you would like to update your beneficiary informaon. EMPLOYEE ASSISTANCE PROGRAM UNUM’s work-life program provides confidenal counseling for the following: In addion, the plan provides informaon and community referrals for: WWW.UNUM.COM/LIFEBALANCE ASSIST AMERICA This 24-hour network of emergency medical and legal resources offers valuable protecon for you and your family when you travel more than 100 miles from home. From lost luggage and forgoen medicaon, to evacuaon for medical services, you have access to qualified professionals trained to manage any travel emergency. Drug-Alcohol Problems Marital Conflicts Grief and Loss Mental Health Issues Stress-related Problems Work Conflicts Or any other problems that relate to an employee’s mental well-being Childcare Elderly Care Addicon & Recovery Support Groups Legal Services Financial Counseling And much more
Welcome to Open Enrollment for Lifetech Resources 14 Quesons & Answers WHAT CHANGES ARE EFFECTIVE JANUARY 1, 2024? Changes to a health plan (Ex. Changing from a PPO to an HMO, or waiving) Enrollment or terminaon of individual and/or dependent coverage in a plan REQUIREMENTS FOR ALL EMPLOYEES All employees must provide their electronic signature on the enrollment/waiver forms by the deadline below. Whether an employee is making a change or not and enrolling or waiving coverage, all employees must go to the online benefits portal to provide their electronic signature. HOW TO ACCESS THE ONLINE BENEFITS PORTAL Go to hps://lifetech.ease.com and sign in with the below login credenals or use the QR code below. o Username: First inial and last name (no caps, no spaces) o Password: First two leers of your first name, first two leers of your last name, and last four digits of your SSN (The first leer must be capitalized) o Example: Jane Smith with SSN 441-53-5614. Username: jsmith | PW: Jasm5614 ID CARDS ID cards from your carrier typically take 10-14 business days to receive aer the coverage effecve date. You may also be able to go online and print a temporary ID. DEADLINE Monday, December 4th, 2023.
Welcome to Open Enrollment for Lifetech Resources 15 WHAT WE CAN DO TO HELP Our team at Farr Johnen & Associates is here to help you during this me and we are happy to help with other services: Enrollment Quesons Benefit Quesons Dependent Benefits Insurance ID Cards Qualifying Events Finding a Provider Assistance with Claims Consulng for Individual Life Insurance We'd like to take a moment to remind you that we work for you and your team at Lifetech Resources, not with the insurance companies like Blue Shield, Kaiser, Colonial or Humana. We serve as your advocate, commied to assisng you in navigang through the employee benefits provided by your employer. As consumers ourselves, we fully grasp the challenges that can arise when dealing with claims, deciphering benefit details, understanding key terms, and figuring out the next steps. That’s precisely where our experse comes in handy, and we encourage you to consider us a valuable resource ready to help! FARR JONHEN & ASSOCIATES INSURANCE SERVICE, LLC Insurance Broker – Your Benefits Advisor WWW.FJINSURE.COM (805) 644-3500 SERVICE@FJINSURE.COM
Welcome to Open Enrollment for Lifetech Resources 16 CARRIER CONTACTS KAISER PERMANENTE Medical WWW.KP.ORG (800) 464-4000 BLUE SHIELD OF CA Medical WWW.BLUESHIELDCA.COM (800) 627-8797 HUMANA Dental & Vision WWW.HUMANA.COM (877) 877-1051 UNUM Life & Disability WWW.UNUM.COM (800) 421-0344 TASC FSA, Dependent FSA WWW.TASCONLINE.COM (800) 422-4661 UNUM Employee Assistance Program (EAP) WWW.UNUM.COM/LIFEBALANCE (800) 845-1446 COLONIAL Voluntary Benefit Plans WWW.COLONIALLIFE.COM Natalie Teltow (800) 352-4368