Annual Open Enrollment: August 12th – August 15th 2024
If you have not already, please schedule an appointment benefit counselor to enroll/change elections
UHC Medical plan names are changing with 2 minor plan design changes (same rich plans) - CareCash program ending
Changes to Employee Contributions: - Medical, Dental and Vision
Basic Life Insurance and Short Term Disability plan enhancements
New Voluntary Benefits administered by Trustmark (replacing Colonial) - Accident, Critical Illness, Hospital Indemnity, Perm Life w/ Long Term Care
WHO IS ELIGIBLE FOR BENEFITS
Full-time employees working 40 or more hours per week who have met the new hire waiting period, 1st of the month following 60 days
Your legal spouse including same sex spouses or domestic partner is eligible
Your dependent children to age 26, unmarried dependent children between ages 27-30 (if special criteria met), disabled children of any age
Marriage, Divorce and Legal Separation
Birth, adoption, legal custody, guardianship of child
Change in student status of dependent child
Change in scheduled work hours
Beginning or returning from leave of absence
Death of a spouse or child
Change in spouse’s employment and/or benefit status
Enrolling in Medicare
Eligibility or termination of Medicaid or CHIP (60 days)
Involuntary loss of other group coverage
Changes in benefit elections are only allowed within 30 days of the life event – documentation is required
NoReferralrequiredtoseeSpecialist(HMO&POS)
Palmer Trinity Private
School continues to pay 100% of the cost of your healthcare coverage for employee only on the HMO plan.
Enrolled Employee & Spouse can earn up to $300 each!
Earn dollars by completing various activities: - Tracking steps - Tracking sleep - Connect a tracker - and much more!
Visit UHC Rewards for the full list of rewardable activities
Redeem rewards in form of a gift card
Questions? Call 1-866-230-2505
Access Virtual Visits!
Included in your health plan
See and talk to a doctor via mobile device or computer – 24/7
$0 cost share
Get care in 20 minutes or less
To get started with a Virtual Visit, visit: myuhc.com/virtualvisits
Use a Virtual Visit for minor medical issues such as:
Bladder infection (UTI)
Bronchitis
Cold/flu
Fever
Pinkeye
Rash
Sinus problems
Sore throat
Stomachache
Mobile App
Puts your plan at your fingertips
Find nearby care options in your network
Estimate costs
Video chat with a doctor 24/7
View and share your medical/dental/vision plan ID card
See your claim details and view progress toward your
DENTAL PLANS
VISION PLAN
Bifocal and Trifocal Lenses
FLEXIBLE SPENDING ACCOUNT
A Flexible Spending Account (FSA) offers you a convenient, pre-tax way to pay for eligible health and dependent care expenses. There are two types of Flexible Spending Accounts:
Health Care FSA
Eligible health care expenses includes health plan deductibles, coinsurances, copays, and other related expenses not covered by your health plan.
Examples of eligible expenses are:
Medical, dental, or vision deductibles, coinsurances and copays
To see a full list of eligible and ineligible expenses, please visit: www.irs.gov, search for forms and publications (502 for healthcare plans and 503 for dependent care plans).
Dependent Care FSA
To be eligible for the dependent care FSA, your child must be 13 years or under and you must be at work during the time your eligible dependent receives care. In certain circumstances, adult dependent care expenses may also be eligible.
Dependent Care Expenses may be reimbursed for services provided:
In or outside your home by anyone other than your spouse, a person you list as your dependent for income tax purposes, or one of your children under the age of 13.
By a dependent care center or childcare center (including preschool). If the center cares for more than 6 children, it must comply with all applicable state and local regulations.
By a housekeeper, whose services partially include caring for a qualifying individual.
Your FSA elections run from September 1 – August 31
Claims reimbursement must be submitted by December 31
You may roll over an IRS maximum of $640 (healthcare FSA only), anything additional will be forfeited
You MUST re-enroll from year to year, this benefit does NOT automatically continue
New card is sent to those who are enrolling for the first time or who’s card is expiring soon (Health Care only, no card for Dependent Care)
LIFE AND DISABILITY PLANS
BASIC LIFE AND AD&D
This benefit is 100% paid by Palmer Trinity School
2x Annual earnings to a max $500,000 (previously $400,000)
The guarantee issue is $325,000
Your Accidental Death and Dismemberment benefit will match your Basic Life benefit
Make sure to assign a beneficiary during Open Enrollment on Employee Navigator
VOLUNTARY LIFE AND AD&D
This benefit is 100% paid by the employee
Please note you must elect Employee Life Insurance before electing Spouse and/or Child coverage
Rates for Voluntary Life are specific to the amount elected and age
Employee Voluntary Life Insurance Guarantee Issue is $150,000 (Employee coverage cannot exceed
$500,000 / 5x annual earnings - increments of $10,000)
Spouse Voluntary Life Insurance Guarantee Issue is $20,000 (Spouse coverage cannot exceed $250,000 nor 50% of employee coverage – increments of $5,000)
Child(ren) Voluntary Life Insurance (14 days and over) Guarantee Issue is $10,000 (not to exceed 50% of employee coverage –increments of $2,000) AnyonewhohaspreviouslydeclinedcoveragewillneedtosubmitandEvidenceofInsurabilityform.Ifyouarecurrently
SHORT TERM DISABILITY
Automatically enrolled at no cost to you
Provides 66.67% of your Basic Weekly Earnings (previously 60%)
Benefit Maximum: $2,000 per week
7 day elimination period for disabling illness / 0 days for disabling injury
Benefit payable for up to 13 weeks
LONG TERM DISABILITY
Automatically enrolled at no cost to you
Provides 60% of your Basic Monthly Earnings
Benefit Maximum: $10,000 per month
The benefit will begin after you have been disabled for 90 days
Pre-existing condition limitation 3/12 (must not have a claim for a preexisting disabling condition during first 12 months of coverage. If a claim is filed, look back is 3 months from effective date)
Benefits could be payable up to age 65 or Social Security Normal Retirement Age
EMPLOYEE ASSISTANCE PROGRAM
3 free counseling sessions per incident per year
Confidential and private; not shared with employer
Helps you and your family with managing stress, anxiety, legal, financial concerns and more
For enrolled medical members only
VOLUNTARY BENEFIT PLANS
Health Insurance
Designed to cover treatment of any illness, accident or hospital stay* Pays providers directly (doctors, hospitals, pharmacies)
*Subject to plan designs, limitations, and exclusions
Voluntary Benefits
Covers specific illnesses, accidents and hospital confinements only Benefits are paid direct to you and designed to assist with out of pocket expenses
Policy Design Lump sum benefit payable upon diagnosis of a covered critical illness
$10,000, $20,000, or $30,000
Spouse at 50% | Child(ren) at 25% (up to age 26) Invasive Cancer
Policy Design
Benefits are paid direct to you based on treatment received and injuries sustained as a result of a covered accident.
Common activities that are covered: Football, baseball, basketball, soccer, tennis, paintball, mountain biking, cheerleading, boxing, skateboarding, skiing, car accidents, motorcycle accidents, hunting, fishing, hiking, etc.
Excluded activities: Aeronautical events, motorized vehicular racing or track days, illegal activities, etc.
Benefit Highlights
Coverage Type: 24 Hours
Over 20 named benefits listed in the brochure
Urgent Care: $100
X-Ray: $200
Follow Up: $100 (6)
Fractures: Up to $10,000
Hospital Admission and Daily Benefit: $2,000 (24HR) Initial / $400 (365) Day
Wellness Benefit $50 (once per covered person per calendar year)
A covered accident must occur on or after the effective date
(See Guide or Employee Navigator for rates)
See brochure / policy for all benefit features, limitations, and
HOSPITAL INDEMNITY INSURANCE
Policy Design
Expenses associated with a hospital stay can be financially difficult if money is tight and you are not prepared. But having the right coverage in the right place before you experience a sickness or injury can help eliminate your financial concerns and provide support at a time when it is needed most.
Benefit Highlights
Initial Hospital Confinement (20HR)
Daily Hospital Confinement (daily)
ICU Hospital Confinement (daily)
$1,500 (1 time per year)
$100 (up to 10 days)
$100 (up to 10 days)
Provisions
Guarantee Issue? YES!
Pre-Existing Condition Waiting Period? NO!
Pre-Existing Pregnancy Covered? YES!
A covered hospital stay must occur on or after the effective date
(See Guide or Employee Navigator for rates)
See brochure / policy for all benefit features, limitations, and
PERMANENT LIFE INSURANCE w/ LONG TERM CARE
Permanent Life insurance can provide you and your family with long term financial security.
Permanent Life insurance provides coverage that will last a lifetime. This permanent life insurance plan also includes living benefits by providing financial protection in the event of a long-term care stay. Benefit Highlights
2 of 6 ADLS
Professional Care: 4% per month, for licensed care, up to the life insurance volume
Family Caregiving: 2% per month, up to the life insurance volume
Benefit Restoration (protects life insurance)
Terminal Illness Benefit Provisions
GUARANTEE ISSUE up to $100,000 / $20,000 for Spouse
No Death Benefit Reduction at any age
Rates based on Non-Tobacco and Tobacco status, spouse rate based on employee age (See Guide or Employee Navigator for rates)
See brochure / policy for all benefit features, limitations, and Policy Design
Legal Protection + Identity Theft Protection now called: Experian IdentityWorks
Our voluntary prepaid legal program, offered through Preferred Legal, gives you and your family access to advice from experienced attorneys over the telephone, through their online legal system, or through in-office consultations about a wide range of personal legal matters, such as:
Free simple of wills for member and spouse/domestic partner
Free notary services
Free review of legal documents
Free face-to-face consultations with attorneys
Free unlimited legal advice via phone consultation
Free credit report analysis and repair + settling accounts in collection
Victims of identity theft spend countless hours trying to sort out the damage. Identity protection could help you catch fraud in its early stages through 24/7 monitoring of your personal and financial information. It can also help you act quickly to limit the damage if your personal or financial information is stolen.
