2018 open enrollmentaheadforprofits.com/wp-content/uploads/2018/03/april-1st...medical – aetna •...

2018 Open Enrollment

800 Corporate Drive, Suite 600 Fort Lauderdale, FL 33334 | 888.335.9545 Toll-Free | www.alphastaff.com

Simplifying business. Benefiting people.

Today’s Agenda

General Enrollment Information Medical – 4 plans offered through Aetna Supplemental plans offered through MetLife Open Enrollment Process Deadlines Resources Questions


General Overview

General Overview


During this Open Enrollment we will have access to Benefit Coaches. All employees wishing to make changes or enroll for the first time should schedule an appointment to speak with a coach.

We will be using the AlphaStaff enrollment portal this year to make benefit selections. www.alphastaff.com

Your benefit election during this Open Enrollment will be effective on April 1st, 2018 and will be in effect through March 31st, 2019 unless you have a “Qualifying Event”

Open Enrollment Information

http://www.alphastaff.com/


Benefits Offered Medical – Aetna

• TN PPO 5000 70 50• TN PPO 5000 100 70 H.S.A.• TN PPO 2500 80 50• TN PPO 1500 80 50

Gap – American Public Life• 2000 MAX 500• 2000 MAX 1000

Dental – MetLife• DMO (includes FL, CA, TX, NY, MN, LA & NJ)• PPO Low (excludes FL, CA, TX, NY, MN, LA & NJ)• PPO Standard• PPO Max

Vision - MetLife• Low Option• High Option

Life Products• MetLife Basic Life AD&D• MetLife Supplemental Term Life AD&D• MetLife Short-Term Disability• MetLife Long-Term Disability

Worksite - AllState• Accident Insurance• Critical Illness• Hospital Indemnity Plan

Affinity• Pet Insurance- VPI & Pet Assure• MetLife Home/Auto Coverage• Legal Shield• ID Shield• Alpha Perks

401K


Medical Plans


Medical Plans- AetnaNetwork Used

Plan Details Primary Care/Specialist Co-Pay:

Annual Deductible (Individual/Family):

CoInsurance (% Member Pays):

OOP Max including deductible (Individual/Family):

Inpatient Hospital Co-Pay:Outpatient Hospital Co-Pay:

Annual Deductible (Individual/Family):

CoInsurance (% Member Pays):

OOP Max including deductible (Individual/Family):

Urgent Care:ER Co-Pay (Waived if admitted):

Prescriptions (Tier 1/Tier 2/Tier 3/Tier 4):

Lifetime Max:PCP Required:

EmployeeEmployee + SpouseEmployee + ChildrenFamily

Coverage

$716.50

$176.50 $78.50$443.50$351.50

$767.50$632.50

$1,173.50 $1,020.50$538.50$658.50

$60.50$403.50$317.50$660.50

$225.50

TN PPO 1500 80/50 TN PPO 2500 80/50 TN PPO 3750 50/50 TN PPO 5000 100/70 HSA

No No No NoUnlimited Unlimited Unlimited Unlimited

$10/$45/$70/30% up to $300 Current: $20/$60/$100/ 30% up to $300Renewal: $10/$45/$70/30% up to $300 50% after CYD $15/$40/$75/20% (P)/30% (NP)

RX subject to CYD

$200 Copay $400 Copay 50% after CYD $250 Copay after CYD$75 Copay $75 Copay 50% after CYD $75 Copay after CYD

General General General General

50% 50% 50% 30%

Out-of-Network Out-of-Network Out-of-Network Out-of-Network

$12,000/$24,000 $15,000/$30,000 $18,000/$36,000 $20,000/$40,000

$3,000/$6,000 $5,000/$10,000 $7,500/$15,000 $10,000/$20,000

20% after CYD 20% after CYD 50% after CYD Current: $50 Copay after CYD 20% after CYD 20% after CYD 50% after CYD 0% after CYD

$4,500/$9,000 $6,350/$12,700 $6,350/$12,700 $6,350/$12,700

20% 20% 50% 0%

$1,500/$3,000 $2,500/$5,000 $3,750/$7,500 $5,000/$10,000$25/$50 $30/$60 $50/$75 $20 after CYD/$50 after CYD

In-Network In-Network In-Network In-Network

TN PPO 1500 80/50 TN PPO 2500 80/50 TN PPO 3750 50/50 TN PPO 5000 100/70 HSA


Medical Plans- New Plan


BenefitsENHANCED PLUS PLANS

OPTION 1 OPTION 2

Maximum In-Hospital $2,000 In-Hospital Benefit per calendar year

$2,000 In-Hospital Benefit per calendar year

Maximum Outpatient $500 per calendar year $1,000 per calendar year

In-Hospital Ambulance up to $350 per trip for ground; up to $1,000 per trip for air

up to $350 per trip for ground; up to $1,000 per trip for air

Outpatient Ambulanceup to $350 per trip for ground; up

to $1,000 per trip for airup to $350 per trip for ground; up

to $1,000 per trip for air

Hospital Emergency Room up to $500 per calendar year up to $1,000 per calendar year

Urgent Care Facility up to $500 per calendar year up to $1,000 per calendar year

Outpatient Surgery up to $500 per calendar year up to $1,000 per calendar year

Diagnostic Testing up to $500 per calendar year up to $1,000 per calendar year

Outpatient Treatment for Mental or Emotional Disorder

up to $500 per calendar year up to $1,000 per calendar year

Cancer Treatment up to $500 per calendar year up to $1,000 per calendar year

Physical Therapy up to $500 per calendar year up to $1,000 per calendar year

Employee $21.19 $28.17

Employee + Spouse $38.14 $50.70

Employee + Child(ren) $39.89 $53.19

Employee + Family $56.84 $75.55


Dental Insurance


Dental Plans - MetLifeSERVICE TYPE

DHMO for CA, FL, NJ, NY, and TX

Low PPO for members outside of FL, TX, MN, NJ, NY, LA, CA STANDARD PPO PPO MAX

In-Network In-Network Out-of-Network In-Network Out-of-Network In-Network Out-of-

NetworkDeductible (Applies to Basic & Major only) None $0 $50/$150 $50/$150 $50/$150 $50/$150 $50/$150

Calendar Year Maximum None $1,000 $1,500 $3,000 Preventive Care: Oral Exams, X-rays, Cleanings, Sealants, Fluoride Applications, Sealants, Space Maintainers

100% (sealants & space maintainers

subject to a co-pay)

100% (sealants & space maintainers

subject to a co-pay)

70% 100% 100% 100% 100%

Basic Care: Fillings, Periodontal Maintenance, Simple & Surgical Extractions, Oral Surgery

Co-pays varies by procedure

Co-pays varies by procedure 50% 70% 70% 80% 80%

Endodontics (Root Canal) , Periodontal Surgery, Scaling & Root Planing



Major Care: Crowns, Bridges, Dentures, General Anesthesia, Implant Services



Orthodontia Lifetime Maximum N/A $1,000 Not Covered $1,000 Orthodontia: up to 24 month treatment plan

$1,695 Co-pay (adults & children) 50% for children under age 20 Not Covered 50% for children under age 20

Provider Network MET185 PDP Plus N/A PDP Plus N/A PDP Plus N/A

Out of Network Services N/AOut of network services are subject to

the negotiated in-network fee schedule

Out of network services are subject to the negotiated in-network fee

schedule

Out of network services are subject to the negotiated in-

network fee schedule

COVERAGE DHMO for CA, FL, NJ, NY, and TX

Low PPO for members outside of FL, TX, MN, NJ, NY, LA, CA STANDARD PPO PPO MAX

Employee Only $17.58 $18.10 $35.78 $41.55

Employee + Spouse $34.45 $36.52 $66.95 $81.03

Employee + Child(ren) $48.81 $35.55 $70.91 $83.90

Employee + Family $65.67 $57.19 $102.07 $115.79


Important!! Please note MetLife does not send out ID cards for PPO dental, they are paperless.

You just need to advise your dentist you have MetLife PPO. For PPO the Network Type is PDP Plus.

Once you register online at www.metlife.com/mybenefits (company name Group #5343622, AlphaStaff Group, Inc.) you can download the MetLife app at iTunes App Store or Google play. With the Mobile App you can view a digital ID card, find a dentist, view claims.

http://www.metlife.com/mybenefits


Vision Insurance


Vision Plans – MetLife/VSPVision Care Services

Low Option High OptionIn-Network Out-of-Network In-Network Out-of-Network

Exam with Dilation as Necessary $15 Copay Up to $45 $5 Copay Up to $45Contact Lenses

•Contact Fitting and Evaluation Copay not to exceed $60 (Standard or Premium fit)

Applied to Contact Allowance

Copay not to exceed $60 (Standard or Premium fit) Applied to Contact Allowance

•Necessary $25 Copay Up to $210 $10 Copay Up to $210 •Elective lenses Up to $125 Up to $105 Up to $150 Up to $105

Frames $130 allowance after $25 copay Up to $70

$180 allowance after $10 copay Up to $70

•Costco $70 allowance after $25 copay

$100 allowance after $10 copay

Standard Corrective Lenses•Single Visions $25 Copay Up to $30 $10 Copay Up to $30•Bifocal $25 Copay Up to $50 $10 Copay Up to $50•Trifocal $25 Copay Up to $65 $10 Copay Up to $65•Lenticular $25 Copay Up to $100 $10 Copay Up to $100Laser Vision Correction 15% off retail price or 5%

off promotional price at MetLife facilities

N/A15% off retail price or 5% off promotional price at

MetLife facilitiesN/ALasik or PRK from U.S. Laser Network

Frequency•Examination Once every 12 months Once every 12 months•Lenses or Contact Lenses Once every 12 months Once every 12 months•Frame Once every 24 months Once every 12 months

Monthly Costs Low Option High OptionEmployee $5.78 $9.59Employee + Spouse $11.54 $19.21Employee + Child(ren) $12.35 $20.54Employee + Family $18.59 $30.92


Basic Life / AD&D Insurance


Basic Life / AD&D Insurance

►Each full-time eligible employee receives $10,000 Basic Life and AD&D Insurance

˗ This is an Employer Paid benefit˗ Please be sure to update your beneficiary


Group Term Life/AD&D


Voluntary Life Insurance*Enrollment in this benefit requires Evidence of Insurability, unless this is your initial eligibility for this benefit.However, you may elect an additional $10,000 in life insurance and additional $5,000 for spouse coverage during subsequent Open Enrollment if you elect to increase coverage without EOI.


Short-Term Disability InsuranceShort Term Disability Met Life 13 Week Option Met Life 26 Week Option

Benefit Percentage 60% of Pre-disability Earnings 60% of Pre-disability Earnings

Maximum Weekly Benefit $1,000 $1,000

Benefit Duration Up to 13 Weeks from the date of disability

Up to 26 Weeks from the date of disability

Elimination Period 14 Days 29 Days

Pre-Existing Conditions -3/12(waived with proof of prior

coverage)

Pre-existing Condition means a Sickness (including pregnancy) or accidental injury for which You:-received medical treatment, consultation, care, or services;-took prescription medication or had medications prescribed; or-had symptoms or conditions that would cause a reasonably prudent person

to seek diagnosis, care or treatment.

Guarantee Issue At initial eligibility only. If You request Disability Income Insurance more than 31 days after the date You become eligible for such insurance, You must give evidence of Your insurability satisfactory to us.


Long-Term Disability InsuranceThere are 2 LTD options available. Both provide Income protection for 60% of pre-disability earnings. Both are guarantee issue if enrolled at initial eligibility*

Long Term Disability LTD 90 Day Option LTD 180 Day Option

Benefit Percentage 60% of Pre-disability Earnings

60% of Pre-disability Earnings

Maximum Monthly Benefit $10,000 $6,000

Elimination Period 90 Days 180 Days

Benefit Duration SSNRA SSNRA

Own Occupation 24 months 24 months

Pre-Existing Condition Exclusion 3/12 3/12

*You must enroll for Long Term Disability within 31 days of initial eligibility to have coverage without having to fill out proof of health form. After initial eligibility coverage is not guarantee issue. **SSNRA- Social Security Normal Retirement Age


Worksite Products


Allstate Supplemental ProductsAllState Worksite

Accident Insurance

Accident insurance is a simple way to provide you with added protection. It can help narrow financial gaps in coverage caused by out-of-pocket expenses such as deductibles, co-payments, and non-covered medical

services. Coverage is available for individual and families.

Critical IllnessThis policy coverage helps when there is a critical illness diagnosis such as

cancer, heart attack, stroke, kidney failure. Coverage is available for individuals and families.

Hospital Indemnity Plan

While health insurance is a good way to help pay the cost of medical treatments that may be necessary, most plans offered today don’t pay all the costs of your treatment. This policy pays for hospital expenses that your basic medical insurance may not cover. Coverage is available for

individuals and families.

To speak with a AllState Benefit Consultant, please call 1-877-296-9998


Affinity Products


https://alphastaff.corporateperks.com/


Additional Offerings

Metlife Auto and/or Home Insurance offers you

superior coverage paid through the convenience

of payroll deductions.

Purchasing Power allows you access to purchase brand name computers, home

appliances, and vacations through the convenience of

payroll deductions.

VPI Pet Insurance provides health and accidental

insurance for dogs, cats, birds, and a variety of

exotic pets.


Additional Offerings Continued

Pet Assurance helps to reduce all of the out-of-

pocket expenses associated with caring for

your pet.

With your individual or family legal plan, you can contact your law firm for

legal advice or assistance.

ID Shield provides detection and restoration for Social Security Fraud, Medical Records Fraud,

Criminal Fraud and more.


Benefit Enrollment by PhoneEnroll by Phone. Pre-schedule your appointment today!

Want to speak with a benefits expert? Have questions? Need help deciding? Want to include your spouse? Coaches are available March 7th through March 14th, 10am – 7pm EST

We are pleased to offer you the opportunity to speak by phone with a licensed professional Benefit Coach who can help!

Phone enrollment is available• Visit http://alphastaff.appointmentnavigator.com (available 24/7 on your smart phone, tablet, laptop/computer) • Or call 1-877-296-9998 Monday – Friday, 9 am – 6 pm ET to schedule a phone appointment that fits your schedule.

Schedule early for best choice of appointment dates and times.

What happens during your phone appointment?

On your appointment day and time, the Benefit Coach will call you from area code 727 and will: • Verify some information • Review the available benefits • Answer your questions • Help you decide which benefits are right for your and/or your family • Enter your elections into the system • Voice record your elections (takes the place of signing an application)

Please be ready when the Benefit Coach calls and look for that call from area code 727.


Open Enrollment Instructions


Open Enrollment Instructions Step 1: To access the Benefits Enrollment Portal, you first must login to AlphaSource via www.alphastaff.com website.

Click on “Employee Login.”

Step 2: Click the “Register” button, or if you have previously registered, enter your Username and Password. If you forgot or lost your password, click “Password Recovery” button.

Step 3: To register, fill in your information and click “Continue.” If Registration was successful, you will receive an email with a temporary password. Use this password to log in to the AlphaSource site using the instructions above. Once logged in, you may change your password.


Open Enrollment Instructions Continued

Once you are logged into AlphaSource, click on “Smart Start.” You will then see the benefits enrollment Welcome page. Click on the available options on the top of the screen to review your

current plans, review your new elections, review plan documents, and access the Benefits Guide. Click on “Get Started” button and follow the instructions for enrolling in your benefit plans. The plans you see are specific to

your geographic location. Once you have confirmed your elections, no changes can be made online. You can make changes only by calling the AlphaStaff

Benefits Service Center. If you are enrolling your dependents, be sure to provide their name, date of birth and Social Security number in the “Dependent

Information” section. Any missing dependents information may cause your dependents to be ineligible for coverage.


Open Enrollment DeadlinesBenefits Coaches Available

Wednesday, March 7th – Wednesday, March 14th

10am – 7pm EST

Enrollment portal will open on Thursday March 1st and will close on

Sunday, March 18th, 2018

No further changes will be allowed after deadline, unless you have a

qualifying event

AlphaStaff 401(k) Take Action for the Retirement You Deserve

Enrollment is Quick & Easy

Booklet Is Mailed to Your Home

Enroll & Make Changes Any Time

www.myplanconnection.com

800.878.5220

www.myplanconnection.com


Additional Support Aetna

• www.aetna.com• 1.800.872.3862

MetLife Dental, Life and Disability• www.metlife.com/mybenefits• Dental – 1.800.942.0854• Life – 1.800.638.5000• Disability – 1.800.858.6506

MetLife/VSP Vision Plan• www.metlife.com/mybenefits• 1.855.638.3931

Worksite Products/AllState• 1.877.296.9998• Group name: AlphaStaff

AlphaStaff Benefits Service Center• 1.866.272.2452

Blue Star • 800.878.5220• www.myplanconnection.com

http://www.aetna.com/

https://mybenefits.metlife.com/MyBenefits/public/ssi/cookieTest.do

http://www.metlife.com/mybenefits

http://www.myplanconnection.com/


Questions?

2018 open enrollmentaheadforprofits.com/wp-content/uploads/2018/03/april-1st...medical – aetna •...

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