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EMPLOYEE BENEFITSGUIDE2023 - 2024An overview of the wide array of benefits provided byOnCall Solutions 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 Guide2023 - 2024 OnCall SolutionsAs an employee of OnCall Solutions, 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 2023 – 2024 plan year, OnCall 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 OnCall 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 OnCall 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.
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 Guide2023 - 2024 OnCall SolutionsComparison of PlansCoverage Provided by Independence Blue Cross In-Network Keystone DPOS Gold 1500 Personal Choice PPO Gold 0Benefit Period Plan Year: 7/1 – 6/30 Plan Year: 7/1 – 6/30Deductibles (Individual / Family) $1,500/$3,000 $0/$0Preventive Care Covered in full Covered in fullPrimary Care Visit $30 Copay $40 CopaySpecialist Visit $60 Copay $80 CopayUrgent Care 10% after deductible $100 CopayEmergency Room 10% after deductible $500 CopayOutpatient ProcedureFreestanding Facilities: $400 CopayHospital Based Facilities: $750 CopayFreestanding Facilities: $300 CopayHospital Based Facilities: $700 CopayInpatient Visit 10% after deductible$600 Copay/Day Max. of 5 Copay AdmissionsPharmacy / RX (30 Day Supply) $15/$75/$200/50% (max of $1,000) $15/$75/$200/50% (max of $1,000)Out-of-Pocket Max (Individual / Family)$8,000/$16,000 $9,100/$18,200MEDICALThe chart below is an overview of the In-Network benefits. Out-of-Network benefits are available; please review your BCBS plan documents for additional details.For summary of rate sheet, please see carrier summary or Employee Navigator.Cost is age-banded and based on employee’s age.
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 Guide2023 - 2024 OnCall SolutionsWellness 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 OnCall Solutions, 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 Guide2023 - 2024 OnCall SolutionsEmployees and dependents enrolled in our medical have access to telemedicine through MDLIVE telehealth provides acute and behavioral care 24 hours a day via phone or video by board-certified doctors and behavioral health specialist. Telehealth is a good option for minor health problems when you can’t see your regular doctor. It is also a convenient choice when 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 4 ways to access MDLIVE:• Download the MDLIVE mobile app• Go to mdlive.com/ibx • Call 1-877-764-6605• Text IBX to 635-483Refer 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 Guide2023 - 2024 OnCall SolutionsSummary of CoverageCoverage Provided by Dominion In-NetworkAnnual Deductibles(Individual / Family)$50/$150Preventive Care Covered in fullBasic Procedures (extractions, fillings, etc.)20% Calendar 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.For summary of rate sheet, please see carrier summary or Employee Navigator.
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 Guide2023 - 2024 OnCall SolutionsSummary of CoverageCoverage provided by Dominion In-NetworkVision Exam (Once per plan year) $0 CopayLenses (once per plan year) $0 Copay, up to $100 AllowanceFrames (Once per plan year) $0 Copay, up to $120 AllowanceStandard Contact Lenses Fit & Follow Up Exam $100 CopayVISIONOur vision coverage is provided by Dominion. Please review your plan documents for additional details.For summary of rate sheet, please see carrier summary or Employee Navigator.
EMPLOYEE BENEFITS GUIDEPrepared By Sentinel Benefits Consulting | sentinelra.com2023 - 2024OnCall Solutions