ENROLLMENT Benefits
HELPFUL RESOURCES
Important Contacts
MEDICAL
Blue Cross Blue Shield of Texas
800-521-2227 www.bcbctx.com
TELEMEDICINE/VIRTUAL VISITS
MDLIVE
888-680-8646 www.mdlive.com/bcbstx
DENTAL
Blue Cross Blue Shield of Texas 877-442-4207 www.bcbctx.com
VISION
Superior Vision 800-507-3800 www.superiorvision.com
BASIC AND VOLUNTARY LIFE AND AD&D
Sun Life 800-247-6875 www.sunlife.com
Employee Response Center
Employee benefits can be complicated. The Higginbotham Employee Response Center can assist you with the following:
• Enrollment support • Claims and billing questions
• Benefits information • Eligibility issues
DISABILITY
Sun Life 800-247-6875 www.sunlife.com
ACCIDENT AND HOSPITAL INDEMNITY
Sun Life 877-820-5306 slfworksite-claims@disabilityrms.com
FLEXIBLE SPENDING ACCOUNTS
Higginbotham Phone: 866-419-3519 Fax: 866-419-3516 https://flexservices.higginbotham.net flexclaims@higginbotham.net
HEALTH SAVINGS ACCOUNT
Health Equity 844-396-0226 www.healthequity.com/learn
BENEFITS ASSISTANCE
Employee Response Center 866-419-3518 helpline@higginbotham.net
Call or text a bilingual representative at 866-419-3518 Monday through Friday from 7:00 a.m. to 6:00 p.m. CT. If you leave a message after 3:00 p.m. CT, your call or text will be returned the next business day. Email questions or requests to helpline@higginbotham.net
Who is Eligible for Benefits
ELIGIBILITY
A regular, full-time employee working an average of X hours or more per week
ENROLLMENT COVERAGE BEGINS
By the deadline given by Human Resources First of the month after completing 60 days of full-time employment New Hire
A regular, full-time employee working an average of X hours or more per week During OE or for a QLE
OE: Start of the plan year
QLE: Ask Human Resources
Employee
Dependent(s)
Your legal spouse or domestic partner
Children under age 26 regardless of student, dependency, or marital status
Children age 26 or older who are fully dependent on you for support due to a mental or physical disability and who are indicated as such on your federal tax return
Qualifying Life Events
During OE or for a QLE
When covering dependents, you must enroll for and be on the same plans Ask Human Resources
You may only enroll for or make changes to coverage during the plan year if you are a new hire or if you have a QLE, such as:
Marriage
Divorce
Legal separation
Annulment
Death
FMLA, COBRA event, court judgment or decree
Becoming eligible for Medicare, Medicaid or TRICARE
Receiving a Qualified Medical Child Support Order
Birth
Adoption/placement for adoption
Change in benefits eligibility
Death
Gain or loss of benefits coverage
Change employment status affecting benefits
Significant change in cost of spouse’s coverage
YOU HAVE 30 DAYS FROM THE EVENT
to notify Human Resources and complete your changes
You may need to provide documents to verify the change.
Online Enrollment Instructions
Enrolling in benefits is simple through BenefitsInHand .
First-time Users
Go to www.benefitsinhand.com
1
Click the New User Registration link. Once you register, you will use your username and password to log in.
2 Enter your personal information and company identifier of XXXXX and click Next
3
4
Create a username (work email address recommended) and password, then check the I agree to terms and conditions box before you click Finish
If you used an email address as your username, you will receive a validation email to that address. You may now log in.
Returning Users
Go to www.benefitsinhand.com .
5 Click the Start Enrollment button to begin.
6
7
8
9
Confirm or update your personal information and click Save & Continue
Edit or add dependents who need to be covered on your benefits. Once all dependents are listed, click Save & Continue.
Follow the steps on the screen for each benefit to select or decline coverage. To decline coverage, click Don’t want this benefit? and select the reason for declining.
When you finish making your benefit elections, review each of them. If correct, click the Click to Sign button to complete and submit your enrollment elections.
Benefit Questions
Call or text a bilingual representative at 866-419-3518 Monday through Friday from 7:00 a.m. to 6:00 p.m. CT. If you leave a message after 3:00 p.m. CT, your call or text will be returned the next business day. Email questions or requests to helpline@higginbotham.net
MEDICAL COVERAGE 6
PROVIDER ORGANIZATION BASE PLAN
$XXXX Individual $XXXX Family PREFERRED PROVIDER ORGANIZATION BUY-UP PLAN
DEDUCTIBLE HEALTH PLAN/ HEALTH SAVINGS ACCOUNT PLAN
$XXXX Individual $XXXX Family
$XXXX Individual $XXXX Family
Preferred Provider Organization
A Preferred Provider Organization (PPO) plan allows you to see any provider when you need care. When you see in-network providers, you will pay less and get the highest level of benefits. You will pay more for care if you use out-of-network providers. When you see innetwork providers, your office visits, urgent care visits, and prescription drugs are covered with a copay, and most other services are covered at the deductible and coinsurance level.
Exclusive Provider Organization
With an Exclusive Provider Organization (EPO) plan, you must only see in-network providers. With the exception of a true emergency, benefits are only payable if you go to in-network providers or facilities for care. If you go to an out-of-network provider or facility, you will be responsible for all costs. You do not have to select a primary care physician or get a referral to see a specialist. Always confirm that your doctors and specialists are in-network before seeking care.
High Deductible Health Plan
A High Deductible Health Plan (HDHP) allows you to see any provider when you need care, and you will pay less when you go to in-network providers. In exchange for a lower per-paycheck cost for medical benefits, you must satisfy a higher plan deductible that applies to almost all health care expenses, including prescription drugs. If you enroll in the HDHP, you may be eligible to open a Health Savings Account.
Health Maintenance Organization
With a Health Maintenance Organization (HMO) plan, you must seek care from in-network providers in the HMO network. The selection of a primary care physician is required, and you need a referral to see a specialist. Always confirm that your doctors and specialists are innetwork before seeking care.
FOR CARE
if you go to out-of-network providers
Medical Benefits Summary
Prescription Drugs – Retail Up to
Prescription Drugs – Mail Order
Prescription Drugs – Specialty
Your medical coverage offers telemedicine services so you can connect anytime day or night with a board-certified doctor via your mobile device or computer.
While telemedicine does not replace your primary care physician, it is a convenient and cost-effective option when you need care and:
Have a non-emergency issue and are considering an after-hours health care clinic, urgent care clinic, or emergency room for treatment
Are on a business trip, vacation, or away from home
Are unable to see your primary care physician
When to Use Telemedicine
Use telemedicine for minor conditions such as:
Sore throat
Headache
Stomachache
Cold/flu
Mental health issues
Allergies
Dermatology
Primary care
Fever
Urinary tract infections
Do not use telemedicine for serious or life-threatening emergencies.
Get More Information or Register
Skip the trip to your doctor! Register for an account so you can get on-demand medical care.
Visit www.urlgoeshere.com .
Call XXX-XXX-XXXX .
Download the Carrier app
HEALTH CARE OPTIONS
Non-emergency Care
Virtual Visits/Telemedicine
24 hours a day, 7 days a week
Access to care via phone, online video, or mobile app whether you are home, work, or traveling; medications can be prescribed
Symptoms include:
Allergies
Cough/cold/flu
Rash
Stomachache Average Cost Average Wait $ 2-5 minutes
Doctor’s Office
Office hours vary
Generally, the best place for routine preventive care; established relationship; able to treat based on medical history
Symptoms include:
Infections
Sore and strep throat
Vaccinations
Minor injuries/sprains/strains Average Cost Average Wait $ 15-20 minutes
Emergency Care
Hospital ER
24 hours a day, 7 days a week
Life-threatening or critical conditions; trauma treatment; multiple bills for doctor and facility
Symptoms include:
Chest pain
Difficulty breathing
Severe bleeding
Blurred or sudden loss of vision
Retail Clinic
Hours vary based on store hours
Usually lower out-of-pocket cost than urgent care; when you can’t see your doctor; located in stores and pharmacies
Symptoms include:
Common infections
Minor injuries
Pregnancy tests
Vaccinations
Urgent Care
Cost Average Wait
15 minutes
Generally includes evening, weekend and holiday hours
When you need immediate attention; walk-in basis is usually accepted
Symptoms include:
Sprains and strains
Minor broken bones
Small cuts that may require stitches
Minor burns and infections
Freestanding ER
24 hours a day, 7 days a week
Services do not include trauma care; can look similar to an urgent care center, but medical bills may be 10 times higher
Symptoms include:
4+ hours
Major broken bones Average Cost Average Wait
Most major injuries except trauma
Severe pain
Wait
Minimal
Note: Examples of symptoms are not inclusive of all health issues. Wait times described are only estimates. This information is not intended as medical advice. If you have questions, please call the phone number on the back of your medical ID card.
BCBSTX RESOURCES
BCBSTX Member Portal and App
Blue Access for Members (BAM) is the secure BCBSTX member website where you can:
Check claim status or history
Confirm dependent eligibility
Sign up for electronic Explanation of Benefits statements
Locate in-network providers
Print or request an ID card
Review your benefits
Get tips to live and eat healthier
Get the BCBSTX app for easy access to your information. Log in from your mobile device to access your BAM account.
Nurseline
Call 800-581-0368 for access to registered nurses who can answer general health questions, make appointments with your doctor, and help determine where to go for emergency health care services. You can also access an audio library of more than 1,000 health-related topics in both English and Spanish.
Cash Rewards Program
Member Rewards offers you cash rewards when you use the Provider Finder tool to choose the lower-cost, quality option for your health care.
Visit www.bcbstx.com , register for or log in to BAM, and select Find Care
Shop and compare costs for screenings, scans, surgeries, and more.
Get the procedure or service at a reward-eligible location.
Receive a cash reward by check, mailed directly to your home, after the claim is paid and the location is verified as reward-eligible.
Blue365 Discounts
Blue365 can save you money on health and wellness products and services not covered by insurance. There are no claims to file, and you do not need a referral or preauthorization. Visit www.blue365deals.com/bcbstx to sign up and receive weekly featured deals by email. Discount categories include:
Apparel and footwear
Fitness
Hearing and vision
Home and family
Nutrition
Personal care
Visit www.bcbstx.com to register.
Weight Loss
If you would like to lose weight and change how your body stores and uses energy, Wondr may be right for you. Its digital weight loss program teaches you how to eat your favorite foods and still lose weight, have energy, stress less, and sleep better.
Back and Joint Pain
If you suffer from constant back and joint pain, Hinge Health can help without drugs or surgery. Get personal therapy, unlimited support, a computer tablet, and wearable sensors – all for free ! Average results show 68% pain reduction.
Chronic Condition Management
Connect to Care is a free, digital care management program for chronic conditions like diabetes, asthma, heart disease, and mental health concerns. If you have a highrisk, qualifying condition and you have a BAM account, you will be invited to join the program and be under the guidance of a nurse. The secure, app-free portal offers educational content, health surveys, and tools to set and track personalized goals.
Free for invited members with qualifying health conditions
Educational content, surveys, and progress tracking
Personalized support from a clinician for high-risk members
Self-scheduling, chat access, and goal management
Rewards for completing health milestones
Get More Information
Hinge Health: Visit https://www.hingehealth.com/bcbstx
Wondr: Visit https://wondrhealth.com/bcbstx
Connect to Care: By invitation to those with high-risk, qualifying conditions.
DENTAL COVERAGE
Our dental plan helps you maintain good oral health through affordable options for preventive care, including regular checkups and other dental work.
DHMO Plan
If you enroll in the DHMO plan, you and all eligible dependents must select a primary care dentist from the DHMO network directory to manage your care. Dental services are unlimited and have fixed copays. There are no deductibles or claim forms to file. Out-of-network care is not covered.
DPPO Plan
Two levels of benefits are available with the DPPO plan: in-network and out-of-network. You may see any dental provider for care, but you will pay less and get the highest level of benefits with in-network providers. You could pay more if you use an out-of-network provider.
Endodontics, extractions, fillings, oral surgery, periodontics, root canals
Major Services Bridges, crowns, dentures
up to age X and adults
EMPLOYEE CONTRIBUTIONS
Employee + Spouse
Employee + Child(ren)
Employee + Family
1 footnote copy
VISION COVERAGE
Helps detect certain medical issues, prolong your eyesight, and correct vision or eye problems.
Regular exams can detect certain medical issues such as diabetes and high cholesterol, in addition to vision and eye problems. You may seek care from any vision provider, but the plan will pay the highest level of benefits when you see in-network providers.
Vision Plan Summary
Lenses
• Single vision
• Lined bifocals
• Lined trifocals
• Lenticular
Contacts
In lieu of frames and lenses
• Fitting and evaluation
• Elective
• Medically necessary
BENEFIT FREQUENCY
copay
copay
copay
copay
copay
Offset your HDHP health care costs, reduce your taxes, and get a long-term taxadvantaged savings account.
A Health Savings Account (HSA) is like a personal savings account that allows you to pay for current or future health care expenses with pretax dollars or save the funds for retirement. The funds can also be used for your dependents, even if they are not covered by the HDHP. An HSA is always yours to keep, even if you change health plans or jobs.
HSA Eligibility
You are eligible to open and contribute to an HSA if you are:
Enrolled in an HSA-eligible HDHP
Not covered by another plan that is not a qualified HDHP (e.g., spouse’s health plan)
Not enrolled in a Health Care Flexible Spending Account
Not eligible to be claimed as a dependent on someone else’s tax return
Not enrolled in Medicare, Medicaid, or TRICARE
Not receiving Veterans Administration benefits
Note: You may have an HSA at the financial institution of your choice, but only accounts opened through Administrator Name are eligible for automatic payroll deductions.
Two Ways to Use Your HSA
Make annual HSA contributions
Use HSA funds to pay for eligible medical costs
Keep HSA funds in cash
How to Pay or Get Reimbursed
Use your HSA debit card to pay for qualified expenses.
Pay out-of-pocket and submit your receipts for reimbursement online or through the app.
LIFE AND AD&D INSURANCE
Life and Accidental Death and Dismemberment (AD&D) insurance are important to your financial security, especially if others depend on you for support or vice versa.
With Life insurance, you or your beneficiary(ies) can use the coverage to pay off debts such as credit cards, loans, and bills. AD&D coverage provides specific benefits if an accident causes bodily harm or loss (e.g., the loss of a hand, foot, or eye). If death occurs from an accident, 100% of the AD&D benefit would be paid to you or your beneficiary(ies). Life and AD&D coverage amounts reduce by X% at age X and by X% at age X.
Basic Life and AD&D
Basic Life and AD&D insurance are provided at no cost to you. You are automatically covered at $X for each benefit.
COVERAGE IS PORTABLE!
Designating a Beneficiary
A beneficiary is the person or entity you elect to receive the death benefits of your Life and AD&D insurance policies. You can name more than one beneficiary, and you can change beneficiaries anytime. If you name more than one beneficiary, you must identify how much each beneficiary will receive (e.g., 50% or 25%).
Voluntary Life and AD&D
If you need more coverage than Basic Life and AD&D, you may buy Voluntary Life and AD&D for yourself and your dependent(s). If you do not elect Voluntary Life and AD&D insurance when first eligible, or if you want to increase your benefit amount at a later date, you may need to show proof of good health. You must elect Voluntary Life and AD&D coverage for yourself before covering your spouse and/or child(ren).
VOLUNTARY LIFE AND AD&D
• Increments of $X up to $X
Employee
Spouse
Child(ren)
• Guaranteed Issue: $X
• Increments of $X up to X% of employee amount
• Guaranteed Issue: $X
• Increments of $X up to X% of employee amount
• Live birth to six months: $X
• Six months to age 26: $X
• Guaranteed Issue: $X
VOLUNTARY LIFE RATES PER $1,000
Disability insurance provides partial income protection if you are unable to work due to a covered accident or illness.
Employer-paid Short Term Disability
STD coverage pays a percentage of your weekly salary if you are temporarily disabled and unable to work due to an illness, pregnancy, or non-work-related injury. STD benefits are not payable if the disability is due to a job-related injury or illness. If a medical condition is job-related, it is considered workers’ compensation, not STD.
SHORT TERM DISABILITY
1 Benefits may not be paid for any condition treated within x months prior to your effective date until you have been covered under this plan for x months.
Employer-paid Long Term Disability
LTD insurance pays a percentage of your monthly salary for a covered disability or injury that prevents you from working for a specific period of time. Benefits begin at the end of an elimination period and continue while you are disabled up to the maximum benefit period.
LONG TERM DISABILITY
1 Social Security Normal Retirement Age
2 Benefits may not be paid for any condition treated within X months prior to your effective date until you have been covered under this plan for X months.
SAMPLE BOOKLET
SAMPLE BOOKLET
This brochure highlights the main features of the Company Name employee benefits program. It does not include all plan rules, details, limitations, and exclusions. The terms of your benefit plans are governed by legal documents, including insurance contracts. Should there be an inconsistency between this brochure and the legal plan documents, the plan documents are the final authority. Company Name reserves the right to change or discontinue its employee benefits plans anytime.
