| "Outline of Benefits"
Comprehensive Major Medical (OAP - Open Access Plus Network) - $25 co-pay covers Doctor's Office visits IN Network.
- $45 co-pay covers Specialist Office visits IN Network.
- $500, $1,000 and $3,000 Deductible Choice.
- In Network co-insurance 90% ($1,500 max out of pocket). 100% thereafter.
- Out of Network co-insurance 60% ($4,500 max out of pocket). 100% thereafter.
- Maximum of 3 Deductibles per Family.
- $15,000 Life Insurance on Primary Health Participant.
- Well Adult & Well Child Care included.
- Maternity Benefits included.
- Home Health Care & Private Duty Nursing. 90% after deductible. 60 days maximum per calender year.
- $75 co-pay Urgent Care; $200 co-pay Emergency Room visit.
- Hospice Care: 90% after deductible
- Annual "Preventive Health Evaluations" that includes a comprehensive blood test, blood pressure analysis and health risk assessment.
PCS Cards - $10 Co-pay for Generic Prescriptions.
- $35 Co-pay for Brand Name Prescriptions.
- $60 or 20% (whichever is greater) Co-pay for Non-Formulary Prescriptions.
- Mail Order Prescription Co-pays for a 90 day supply: Generic - $25; Brand Name - $100; Non-Formulary - $175 or 20%, whichever is greater.
Group Dental Coverage - Type 1 - 100% (Cleaning & Exams) - No Deductible.
- Type 2 - 80% (X-Rays, Fillings and Most Extractions).
- Type 3 - 10% first year, 25% second year, & 50% thereafter (Crown, Bridges, Inlays, Root Canals).
- Type 4 - Orthodontia $1,000 Maximum (24 month waiting period).
- Annual maximum benefit amount per person - $1,500. (Use the dentist of your choice).
- Annual Deductible amount per person per policy year - $50. (Waived for Type 1 dental services).
- Allowable benefits based on reasonable and customary charges.
- Dental calendar year is from January 1 to December 31.
Group Vision Care - Network includes private practices and retailers such as LensCrafters, Target Optical, most Pearle Vision and Sears Optical locations.
- Once per year members may receive:.
 - Annual Eye Examination - $10 co-pay.
- Regular Lenses - $10 co-pay, Frames - $100 allowance or:
- Contact Lens - $80 Allowance.
- Contact Lens by Mail Program.
401(k) Plan - 100% match up to the first 3% of the employee contributions, plus 50% match of the next 2% of the employee contributions. Maximum match will be 4%.
- Employee vesting begins immediately with participation.
- Contribution elections may be changed Quarterly (January, April, July, October).
- Participants have daily access to activity of plan through the internet or by phone.
- Individual Employee Accounts - The status of your 401(k) can be verified by phone and has internet accessibility.
- Retirement Funds managed by Nationwide, one of the largest and most respected retirement fund managers in the U.S.
| "The magic formula that successful businesses have discovered is to treat customers like guests and employees like people." Thomas J. Peters - Best Selling Business Practices Author |
125 Cafeteria Plan - Allows pre-tax spending for the folowing:
- Unreimbursed medical expenses.
- Dental Expenses.
- Vision Expenses.
- Employer Sponsored Insurance Premiums.
- Child care expenses.
- Taxable income is reduced by selecting various allowable employee benefits to be paid on a non-taxable basis.
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The higher the employee's taxable income, the more taxes the employee will pay. If the employee can reduce his/her taxable income by the amount of these eligible expenses, he/she will pay less in taxes. By saving on taxes, the employee effectively reduces his/her cost of insurance. Click Here for List or Eligible and Ineligible 125 Plan Expenses
This Benefit Summary highlights some of the benefits available under the Corporate Resource Plan. A complete description regarding the terms of coverage, exclusions and limitations, including legislated benefits can be provided in a Group Service Agreement or Certificate. |