2025 Benefits Enrollment Guide
January 1, 2025 – December 31, 2025
Benefit Eligibility
Benefit Eligibility
You and your eligible family members may participate in the 2025 employee benefits program if you’re a regular, full-time employee working a minimum of 30 hours per week. New hires can join the plan the first of the month following 30 days of employment. Spouses and dependent children of the employees are also eligible to participate in our benefit plans.
You can enroll the following dependents in our group benefit plans:
• Your legal spouse or domestic partner
• Children up to age 26*
• A child under the age of 26 who is your natural child, stepchild, legally adopted child, or child for whom you have obtained legal guardianship.
• Unmarried children of any age if totally disabled and claimed as a dependent on your federal income tax return (documentation of handicapped status must be provided)
• You may NOT add a dependent to your coverage if they are already covered under another medical plan.
*Enrolled children lose coverage when they turn 26. You must inform HR 30 days prior to your dependent reaching their 26th birthday.
If you are enrolling in benefits for the first time, making changes to your benefit elections and/or changing the dependents you are covering under the plan, please update this information on the Employee Navigator Portal.
Qualifying Life Event
The elections you make when you are initially offered coverage and during the annual open enrollment period will stay in effect until 12/31/2025, unless you experience an approved qualifying change in status.
Qualifying Events include, but are not limited to the following:
• Marriage, divorce or annulment
• Birth, adoption or placement for adoption of an eligible child
• Death of your spouse or covered child
• Change in your spouse’s work status that affects benefits
For full list of Qualifying Life Events visit: www.healthcare.gov/glossary/qualifying-life-event/
Proof of Dependent Eligibility
You may be required to provide proof of eligibility for your dependents. Note that attempting to enroll an ineligible dependent could lead to discipline and possible termination of employment. If your dependent becomes ineligible for coverage during the year, you must contact TC Cantrell, HR Manager at TC@carolinacloset.com within 30 days. Failure to provide notification may lead to discipline, retroactive termination of coverage and possible termination of employment
If you experience a qualifying life event during the year, notify HR within 30 days of an event to ensure the desired benefit coverage.
Key Terms
TALK THE TALK: BRUSH UP ON YOUR MUST-KNOW HEALTHCARE TERMS
Premium
This is the amount you pay each month for coverage, usually deducted from your paycheck.
Copay
A fee paid at the time of service.
Deductible
This is the amount you must pay each year for healthcare services before insurance begins paying. For example, if your deductible is $500, you must pay for the first $500 of your medical services before your insurance will begin covering the costs. Deductibles vary widely depending on benefits.
Out-of-Pocket Maximum
This is the most you will pay for medical expenses in a given year. For example, if your maximum out-of-pocket is $1,500, all covered charges after that should be paid by insurance at 100 percent. These vary by plan.
Coinsurance
This is the portion of medical expenses for which you are responsible after you have met your deductible. For example, if your co-insurance is 20 percent, then insurance will pay 80 percent of covered expenses after you have met your deductible, and you will be responsible for the remaining 20 percent.
Explanation of Benefits (EOB)
A statement provided by insurance companies that outlines charges, coverage and payments for a medical visit or procedure. These receipts let you know what you were charged, what insurance paid and what you must pay.
In-Network
This is the list of doctors, facilities and providers approved by your insurance company. Your insurance company has negotiated discounts with this group of medical professionals, so charges in-network should always be lower than those out- of-network.
Out-of-Network
Those medical professionals not on your insurance company’s approved list are out-ofnetwork and will charge higher fees. Note: Out-of-network services are not covered under Fuji’s plan, unless it is an emergency.
Your Medical Plan
Prescription Drug Benefits
Where do YOU want to fill prescriptions?
Choice and convenience are important – especially when it comes to filling your prescriptions. To help, you (and each of your covered family members) can now choose the major retail pharmacy chain you want in your network: CVS Pharmacy® or Walgreens® Pharmacy. To get you started, we’ve put you in a network that has one of these two pharmacies in it. You have the option to change your network if you want to.
Your network options.
Both networks have over 55,000 pharmacies* in them, including local independent pharmacies, grocery stores, retail chains and wholesale warehouse stores – all places where you may already shop.
Option 1:
Network with CVS Pharmacy in it1
• You can fill 30-day supplies at any innetwork retail pharmacy, including CVS.
• You can fill 90-day supplies at select innetwork retail pharmacies, including CVS.
• Walgreens is not in this network. This means your plan may not cover any prescriptions you fill there
• You can fill 30-day supplies at any innetwork retail pharmacy, including Walgreens.
• You can fill 90-day supplies at select innetwork retail pharmacies, including Walgreens.
• CVS is not in this network. This means your plan may not cover any prescriptions you fill there.
• Both networks include the option to fill 90-day prescriptions through our home delivery pharmacy.
Here are two ways to change your pharmacy network.
1. By phone: Call customer service using the toll-free number on your Cigna HealthcareSM ID card. Let them know you’d like to change your pharmacy network.
2. Online: When your new plan year starts, log in to the myCigna App or myCigna.com. Go to the profile page and follow the on-screen instructions.
Your Prescription Drug List.
Follow these simple steps to find out how your plan covers your medication(s).
1. Go to Cigna.com/PDL.
2. Scroll down until you see a pdf of the Cigna Advantage 4-Tier Prescription Drug List (all specialty medications covered on Tier 4).
3. Then look for your medication name. Medications are listed by the condition they treat, then listed alphabetically within tiers (or cost-share levels).
Consider using Express Scripts® Pharmacy.2 They help make things easy by putting everything at your fingertips.
Home delivery is a convenient option when you’re taking a medication on a regular basis. With just a few simple clicks of your mobile phone, tablet or computer, your important medications will be on their way to your door (or location of your choice). To learn more, go to Cigna.com/homedelivery To get started using home delivery, log into the myCigna App or myCigna.com Click on the Prescriptions tab and select My Medications from the dropdown menu. Then click the button next to your medication name to move your prescription(s) electronically.
Option 2:
Network with Walgreens Pharmacy in it1
Save on Specialty Drug Costs
Cigna strives every day to make health care more simple and more affordable
While specialty drugs can be very expensive, our dedicated copay assistance coordination teams help connect our customers to the 80% of copay assistance programs available from pharmaceutical manufacturers. These programs are essential to help customers afford their medications, but if left unmanaged, they can also drive-up costs for clients.
CIGNA PATHWELL SPECIALTY DRUG LIST
Cigna Pathwell Specialty is for patients using a specialty medication to treat a complex medical condition.
This is a list of specialty medications that are part of the Cigna Pathwell Specialty program. The drug list is updated often so it isn’t a complete list of medications.
Here’s some helpful information about this drug list:
• Medications are listed alphabetically.
• Generic medications are listed in all lowercase letters and brand-name medications are listed in all capital letters
• All of the medications in this drug list need approval from Cigna (precertification) before they can be covered.
• Certain specialty medications aren’t covered (unless approved by Cigna) because they have preferred alternatives. These medications are listed at the end of this drug list.
SaveOnSP targets 170+ specialty drugs inseveral categories including:
• Multiple Sclerosis
• Oncology
• Hepatitis C
• RheumatoidArthritis
• Inflammatory boweldisease
• Psoriasis
Taking a medication that has to be administered by, or ordered from, an in- network provider?
Talk with a Cigna Pathwell Specialty Care Manager
877.505.3681 Monday-Friday 8:00 am-7:00 pm EST
If you call outside of these hours, please leave a voice message Someone will return your call as soon as possible.
Way to Save on your Prescriptions
GENERIC VS. BRANDNAME
Genericdrugsare lessexpensive and can be justas effectiveas brandname whichwillloweryour out-of-pocketcost.
DISCOUNT CARDS
GoodRx, BlinkHealth and WellRx providediscount prescription cards – most are free and provide discounts or coupons to help lower costs. Visit the company websitesto signup and get your discountcard.
COSTPLUS DRUG COMPANY(COSTPLUSDRUGS.COM)
Mark Cuban has recently entered the market of prescription drugs by launching CostPlus Drug Company as an alternative way to purchasemedications. Joining is free and medications are mailed to your home but do require a written prescription from yourprovider.
MANUFACTURER COUPONS
When a high-costbrand or specialty drug isyouronlyoption:
Step1: Step2: Step3: Step4:
Go to the manufacturerwebsite
Search the drug name itself
Print thecoupon
Taketo the pharmacyto applyto yourprescription
MEDICAL (PHARMACY)INSURANCE
You may use one of these services with or without medical (pharmacy) insurance. If you do have insurance and choose to use one of these services, your cost of the medication may not be reimbursable.
MAIL ORDERPHARMACY
If you have medical insurance and take a maintenance medication, check out the mail order pharmacy benefit for convenience and possible savings.
Know Where To Go
While you should never delay professional medical attention if you think an injury or illness is serious or life threatening, not all require a trip to the emergency room.
Save time and money by knowing where to go:
Call the Doctor
For minor cuts and sprains, low fevers, sore throats, and headaches if your symptoms are mild enough that you can wait until regular business hours.
Visit Urgent Care
For immediate needs that are non-life threatening like falling off a step ladder and feeling like you may have broken your arm.
Rush to the Emergency Room
If your condition is severe like you are unable to breathe/chest pains, hit your head and are dizzy or experiencing severe bleeding. Know Where To Go
Medical Plan Resources
myCigna.com
Get easy access to all your benefits information on your phone or desktop:
Mobile Device – my Cigna app Desktop – myCigna.com
On My Health Toolkit you can:
• Search for participating providers
• View your Member ID Cards
• Check the Status of your claims
• Pull your Explanation of Benefits (EOB)
Cost of Care Estimator: Costs for a medical procedure like an ultrasound, a checkup, X-rays or joint replacement can vary by hundreds of dollars. My Health Toolkit’s Shopping for Care feature includes cost estimates to help you find the right care at the right price.
Cigna Healthy Rewards Program
Cigna Healthy Rewards Program can help with discounts on a wide variety of health and wellbeing programs and services
Click on the Healthy Rewards link to access discount information. www.cigna.com/rewards or call (800) 258-3312
Password: savings
Omada for Cigna
Omada® is a digital lifestyle change program. We combine the latest technology with ongoing support so you can make the changes that matter most whether that’s around eating, activity, sleep, or stress. It’s an approach shown to help you lose weight and reduce the risks of type 2 diabetes and heart disease.
EAT HEALTHIER
• Learn the fundamentals of making smart food choices.
INCREASE ACTIVITY
• Discover easy ways to move more and boost your energy. OVERCOME CHALLENGES
• Gain skills that allow you to break barriers to change.
STAY HEALTHY FOR LIFE
• Set and reach your evolving goals with strategies and support.
More great news:
You receive the program at no additional cost if you or your adult dependents are enrolled in the company medical plan offered through Cigna, are at risk for diabetes or heart disease, and are accepted into the program.
Cigna Virtual Care
Cigna has partnered with MDLIVE to offer a comprehensive suite of convenient virtual care options – available by phone or video whenever works for you. This service is available to all employees and dependents enrolled in a Cigna medical plan.
This benefit is designed to promote general health and well-being.
• Primary Care – Preventive care, routine care, and specialist referrals
• Urgent Care – On-demand care for minor medical conditions
• Behavioral Care – Talk therapy and psychiatry from the privacy of home
• Dermatology – Fast, customized care of skin, hair and nail conditions; no appointment required
Cost for Care
OAP
• $30 Primary Care
• $70 Specialty Care
HSA
• Normally $55-$100, subject to deductible
Cigna Virtual Care
CRISIS CONDITIONS
It’s an emergency! Where to turn?
Your employees can call the number on their ID card. Our behavioral support staff, made up of licensed, experienced mental health professionals with a master’s degree or higher, is available 24/7 to offer:
•Real-time response to crisis calls.
•Help managing patient care after regular business hours.
•Assistance with social and economic concerns, steering distressed employees to valuable community resources.
DIGITAL RESOURCES
(check your plan designs for any cost share)
Ginger provides in-the-moment emotional care –including coaching, therapy, psychiatry and self-care resources – all from the privacy of a smartphone It helps employees manage anxiety, depression and daily stressors. Over 70% of Ginger members saw an improvement in their depression and anxiety symptoms within 10–14 weeks.
78% of Talkspace members reported improvement within weeks.
Talkspace provides personalized care for all – by making mental health access safe, quick and easy Employees can expect immediate, responsive care to support their diverse needs.
MDLIVE licensed therapists and board-certified psychiatrists can get your employees back to being their best if they’re feeling overwhelmed, stuck or just not like themselves. It offers talk therapy and coping strategies, plus psychiatric services to assist in assessments and medication management.
Meru combines the best of science, technology and human support to help your employees overcome mental health challenges. Employees can schedule a free screening session right now.
Important phone numbers for crisis support.
• National Suicide Prevention Lifeline: Call or text 988
• National Domestic Violence Hotline: Call
• 1.800.799.7233 or text LOVEIS to 1.866.331.9474
• Crisis Text Line: Text HOME to 741741 from anywhere in the U.S.
• Cigna Veteran Support Line: 1.855.244.6211
Always here for your employees. 39% of crisis calls to Cigna came in after regular business hours.
THERAPEUTIC APPS
Here are apps to help employees stay happy and healthy – at no additional cost.
iPrevail is designed by experienced clinicians to help your employees take control of the stresses of everyday challenges associated with life’s difficult transitions. Featuring: interactive video lessons/one-to-one peer coaching/support communities / wellness activities
Proven results: 79% of participants experience improvement after engaging in their personalized program.
Happify’s science-based activities and games can help you overcome negative thoughts, stress and life’s challenges. It can help build resilience, reduce stress, improve coping mechanisms, increase focus and reduce symptoms associated with anxiety and depression.
Proven results: 86% of frequent users get happier in two months.
Cigna Employee Assistance Program
Cigna’s EAP is available to all employees and dependents enrolled in a Cigna medical plan.
This EAP is designed to promote general health and wellbeing.
• Three face-to-face visits with a licensed mental health provider in our employee assistance program (EAP) network. Live chat with an employee assistance program advocate.
• Unlimited telephone support and access to work-life resources.
• Access to legal services, including a 30-minute no-cost consultation with a program attorney for legal issues including civil, personal/family and Internal Revenue Service (IRS) with 25% off select fees if the program attorney is retained.
• Access to financial services, such as 25% off tax preparation and a 30-minute complimentary phone consultation with a financial specialist on debt counseling, budgeting, student loans and more.
• Identity theft protection to proactively monitor, alert and help fix any identity compromises.
Improved physical health can help improve mental health. We understand that physical and emotional well-being are connected.
• 24/7 telephone service to connect your employees with live, responsive professionals who can answer questions.
• Personalized health information at myCigna.com and on the myCigna® App.
• Annual wellness check-up covered 100% in-network.
Understanding a High Deductible Health Plan
What is a High Deductible Health Plan?
A Qualified High Deductible Health Plan (QHDHP), is a plan with a minimum annual deductible and a maximum out-of pocket limit that is determined annually by the Internal Revenue Service (IRS). The QHDHP plan that Artisan Atlanta, LLC is offering for 2025 meets this requirement.
An HSA is only available to IRS eligible employee who enroll in the QHDHP. An HSA is a tax-advantaged account that you own and can make contributions up to the IRS annual allowable limits. The account is opened the first of the month following your benefit start date. Contributions can be used to pay for your out-of-pocket healthcare costs such as deductibles, copays, and other services not covered by the plan.
The below chart shows you several of the key differences between the QHDHP and a traditional PPO medical plan.
Would you rather pay more money as you incur services or pay more each pay period?
Do you take expensive or several prescription drugs?
HDHP
Least amount of money out of your paycheck – you will pay more when you incur services.
If yes, are you comfortable with paying 100% of the cost up to your deductible then the applicable co-pay up to the out- of-pocket maximum?
Are you looking for a tax advantaged savings method?
Are you covering a dependent on the medical coverage?
Which plan is better?
HSA Eligibility
If yes, this plan allows you to set aside money in an HSA that you can use for healthcare expenses or retirement.
If yes, are you comfortable with the family deductible and out-of-pocket maximum?
PPO
Most money out of your paycheck –set copays for many services.
If yes, the deductible does not apply and there are lower copays for preferred pharmacies.
If yes, this plan does not provide access to any special accounts like an HSA.
The deductible and out-of-pocket are lower under the traditional PPO for family coverage.
Both are quality plans. It just depends on your financial point of view, medical needs and long-term financial goals and objectives. Both plans provide comprehensive coverage and include an out-of-pocket maximum (though the amount varies based on plan selection).
To be eligible to open an HSA account and receive the Artisan Atlanta, LLC HSA contribution, you must meet the following IRS criteria:
• Be covered by an HSA-eligible High Deductible Health Plan
• Not covered by any other health plan (such as a spouse’s plan) that is not a high deductible health plan
• Not Enrolled in Medicare, Medicaid, TRICARE or TRICARE for Life
• Not eligible to be claimed as a dependent on someone else’s tax return
• Not covered by a health care flexible spending account (FSA), including your spouse’s FSA (limited purpose FSAs are an exception)
Health Savings Account (HSA)
HSA Funding
You may fund the HSA with your dollars up to a certain limit each year with either payroll deductions or by making a deposit directly into your HSA account. You pay no taxes on the contributions that you make to your account. The account must be funded prior to any withdrawals. As you have qualified expenses, you may use money from your HSA to pay out-of-pocket expenses. It’s up to you whether to use your HSA funds. You are not required to use the money; you may save it for the future and let it continue to accumulate tax-free. The funds do not expire.
Accessing HSA Funds
These contributions follow our plan year, which is a calendar year. If you join anytime after January 1st you would need to divide your contribution totals by the number of remaining payrolls.
Once your account is opened, you will receive a debit card just like any other bank account you own. You can use the debit card to pay when you pick up your prescription or pay a provider bill. Once your account is set up, you can access all features via mycigna.com Although you will not be asked for your receipts to substantiate each claim, it is recommended to keep all of your receipts in a safe place in the event you are ever audited. *Does not include $1,000 catch-up contribution for those age 55+
Your Dental Plan
Preventive & Diagnostic Care
• Oral Exams
• Cleanings
• Routine X-rays
• Fluoride Application
• Sealants
• Space Maintainers (non- ortho)
• Non-Routine X- rays
Basic Restorative Care
• Fillings (amalgam and composite on all teeth
• Oral Surgery
• Surgical Extraction of Impacted Teeth
• Anesthetics
• Minor/Major Periodontics
• Root Canal Therapy/Endodontics
• Relines, Rebases and Adjustments
• Repairs – Bridges, Crowns, Inlays and Dentures
• Brush Biopsy
Major Restorative Care
• Crowns/Inlays/On lays
• Stainless Steel / Resin Crowns
• Dentures
• Bridges
*See Plan Documents for complete plan details including out-of-network benefits. Balance billing may occur for services rendered by an out-of-network provider.
If your dentist recommends treatment for which charges exceed $200, we recommend that you obtain a pre-treatment estimate so that your exact out-of-pocket costs are known prior to beginning treatment.
To find an in-network provider visit mycigna.
Your Vision Plan
You and your dependents have access to vision coverage through Cigna. The plan pays benefits for both in- network and out-of-network services. However, you will receive maximum value from your vision benefits when you choose in-network providers. If you see a network provider, you will pay copays for most services. If you receive care outside the network, you will need to pay the full cost and file a claim to be reimbursed for a portion of the costs.
Exam every 12 months Frameallowance every 24 months Lenses every 12 months (single vision, lined bifocal, lined trifocal, lenticular) Contact lens every 12 months
copay
How to find an In-Network Provider
allowance
• Log into myCigna.com, ”Coverage”, select Vision page. Click on Visit Cigna Vision. Then select “Find a Cigna Vision Network Eye Care Professional” to search the Cigna Vision Directory.
• Don’t have access to myCigna.com? Go to Cigna.com, top of the page select “Find A Doctor, Dentist or Facility”, click on Cigna Vision Directory, under
copay
allowance
Life Insurance
Basic Life Insurance and Accidental Death & Dismemberment
Artisan Atlanta, LLC Inc. provides you with Basic Life and AD&D insurance in the amount of $10,000, at no cost to you. If your death is the result of an accident, you will receive an additional Accidental Death & Dismemberment (AD&D) benefit. If you lose a limb or your eyesight as the result of an accident, the AD&D plan will pay a percentage of your AD&D benefit amount. This coverage is provided through Mutual of Omaha.
Voluntary Life and AD&D Insurance
You have the option to supplement your company-paid coverage by purchasing additional Life and AD&D insurance for yourself, your spouse and your children. You are required to purchase coverage for yourself to enroll your family members. Spouse rate is based off employee age.
Minimum/Maximum
Employee Spouse up to age 70 Children (6 months +)
Disability Insurance
Artisan Atlanta, LLC, LLC, Inc. offers Short-Term Disability (STD) and Long-Term Disability (LTD) insurance through Mutual of Omaha. For more information, visit Mutual of Omaha
When Benefits End
After 11 weeks or until you are certified to return to work
After 11 weeks or until you are certified to return to work
If you become disabled prior to age 62, benefits are payable to age 65, your Social Security Normal Retirement Age or 3.5 years, whichever is longest. At age 62 (and older), the benefit period will be based on a reduced duration schedule.
Benefits Paid
You receive 50% of your pay, up to a maximum benefit of $1,000 per week.
You receive 30% of your pay, up to a maximum benefit of $1,500 per week.
You receive 50% of your pay, up to a maximum benefit of $5,000 per month.
Value Added Benefits
Employee Assistance Program (EAP)
Artisan Atlanta, LLC provides you with a no-cost EAP program through Mutual of Omaha All EAP services are 100% confidential and no information is shared with Artisan Atlanta, LLC. The EAP offers you and your family information, referrals and short-term counseling The EAP offers 24/7 telephone access to licensed professionals who can help with concerns regarding marriage and relationships, depression, anxiety, stress, grief, substance abuse, childcare, elder care, work-related issues, and much more The EAP may refer you to a local counselor who can address your concerns in person. The EAP provides 3 free face-to- face consultations per issue, per person each year
The program also gives you access to:
• Childcare and elder care resources
• Financial and legal consultations and information
• Identity theft prevention and recovery
To take advantage of the services and resources available through the EAP, call 800 316 2796 You can also access valuable information online at www.mutualofomaha.com/eap.
WillPrep Services
Creating a will is an essential investment in your future. You can access easy, free and secure help through Mutual of Omaha.
To take advantage of the will prep services and resources available, log on to www.willprepservices.com and use the code MUTUALWILLS to register, answer a few simple questions, download and print.
Travel Assistance Program
Take comfort in knowing that Travel Assistance travels with you, offering access to a network of professionals who can help you with local medical referrals or provide other emergency assistance services in foreign locations.
WHO is it for? You, your spouse and dependent children on any single trip, up to 120 days in length, more than 100 miles from home.
Support Services Include:
• 24/7 access to telephone interpreter services
• Locating legal services
• Emergency payment and cash
• Medical insurance coordination assistance
• Medical evacuation and reparation
• Pre-trip Resources (not subject to the 100mile travel radius)
• Emergency messages, document replacement, and vehicle return
• Identity Theft / Recovery Assistance
Voluntary Benefits
Voluntary benefits provide cash reimbursement during your time of need. Unlike traditional insurance, which covers medical costs, these benefits provide you with a cash benefit should you become ill with a critical illness, experience an accident, are hospitalized or need legal assistance. These benefits can help pay for out-of-pocket expenses not covered by other plans. You can enroll yourself and your eligible family members.
Critical Illness
A serious health event such as a heart attack, end-stage renal failure or a third- degree burn is not only a lifealtering physical event, but a devastating financial one as well. Specified health event insurance may make all the difference by providing cash benefits as you concentrate on your recovery Covered health events include, but are not limited to, stroke, heart attack, paralysis, coronary artery bypass surgery, persistent vegetative state, major human organ transplant, coma or cancer
Accident Coverage
Accidents can happen anytime, anywhere – at home, on the playground or on the road Accident Insurance helps offset unexpected medical expenses, which can result from broken bones, burns, concussions, cuts or other covered accidental injuries that send you to the ER, urgent care or a doctor’s office
Hospital Indemnity
Hospital Indemnity provides a cash payment if you or a covered family member are admitted to the hospital. The benefit is paid to you, and you can use it to pay medical costs or to cover your living expenses.
Your Benefit Cost
The values below indicate how much you’re responsible for contributing towards coverage.
Amounts are taken directly from your paycheck weekly.
Weekly Deduction Amounts effective January 1, 2025
Benefit Butler
The world of benefits can be confusing.
We’re pleased to offer all employees access to Benefit Butler to help you navigate your benefits.
Confidential assistance for anything benefits related.
Available via phone or email, Monday – Friday.
Staffed by benefits professionals.
Service available for covered dependents.
Free and included with your benefits package.
Examples of when to contact The Benefit Butler:
▪ Have a scheduled procedure (medical or dental) and you need help understanding your plan?
▪ Lost your ID card and not sure where or how to get a replacement card?
▪ Need to verify if your doctor is in-network?
▪ Receive an EOB (Explanation of Benefits) or medical bill and don’t understand your cost/responsibility.
▪ Or anything else related to your Medical, Dental, Vision, or Life & Disability benefits!
The Benefit Butler is an expert on claims processing, coverage and anything benefits related.
Our benefits partner and consultant, Palmer & Cay, provides this service to you at no cost. The Benefit Butler is available via phone or email and can help you explain your situation and seek a resolution.
benefitbutler@palmerandcay.com
Need help with insurance questions?
Artisan’s Benefit Butler service is here for you! Just call or email us for personalized support and guidance. Your peace of mind is our priority!
Legal Notices
Dear Plan Participant:
As a participant in any of Artisan Atlanta, LLC Welfare Benefits Plan (Company’s) , you can request any or all the following documents at any time. You can contact Human Resources, and you will receive a copy of the documents as soon as possible.
• The Artisan Atlanta, LLC Welfare Benefits Plan Healthcare Wrap Plan and Section 125 Summary Plan Descriptions (SPDs). The SPDs are a summary of all the material provisions of the health and welfare benefits offered by the Company.
• Certificates of Coverage. The explanation of benefits is a benefit booklet prepared by the insurance carrier which explains the details of how and which benefits are covered, and which are not.
• Summary of Material Modifications. If any of the benefits offered by the Company are changed in a substantial way, the Company will amend the corresponding documents about the benefits. This is sometimes contained in this document.
• Annual and other Required Disclosures. All are contained in our Open Enrollment materials. If you have any questions about these notices, please let us know.
• Summary Annual Report (SAR). Artisan Atlanta, LLC files a Form 5500 for the health and welfare benefits and must also prepare an SAR. The SAR explains information about what the Company paid for benefits in the previous plan year. This is distributed after the 5500 is filed each year.
• Initial COBRA Notice. This notice explains your rights under COBRA should you have a qualifying event, including a termination of employment or a reduction in hours.
• Summary of Benefits & Coverage. This is a document that was required under the Affordable Care Act (Obamacare). It is a four-page document prepared for each medical plan offering of the Company and enables you to compare each plan side by side.
• Marketplace Notice. This Notice gives you information about the health insurance marketplace which was created as part of Obamacare. The Marketplace Notice is included in this enrollment guide.
• Medicare Part D Notice. This Notice informs you about the credibility of the Company’s prescription drug coverage so that you can elect Medicare in a timely manner to avoid potential penalties. This notice is included in this enrollment guide.
• Wellness Program Information and Disclosures. This information will explain how the Company’s wellness program works, and what is required to receive an incentive. This disclosure is included in this enrollment guide.
Thank you, and please let us know if you have any questions.
Human Resources