ENROLLMENT AS A TOP PRIORITY

We understand there is much to learn and get used to, that's why we've made enrollment simple.

We know how important your benefits are to you and your family and how important it is that we provide those benefits to you at a reasonable cost. As a result, we work diligently to provide competitive benefits for our employees. The Company continues to contribute approximately 74% of the total cost across all medical insurance offered.

UNDERSTANDING YOUR BENEFITS

If you miss the deadline, you may have to wait until the first of next year to have benefits coverage. Benefits begin on the first day of the month following 60 days of employment (or the first of the month following your hire date if an employee of Progrexion ASG/Corporate or Marketing). 

Note: Temporary and contractor positions are NOT eligible for any benefits. You must log on to MyHR and elect or decline every available benefit. If you fail to make benefit elections before the deadline, you will not have benefits coverage.

As you prepare to make these important decisions, take a moment to review the benefit plans, tools, and resources available to help you make the best decisions possible.

WHO CAN ENROLL?

Regular positions intended to typically work 30 hours or more per week are eligible for all benefits.

All regular employees – regardless of schedule or hours – are eligible for the 401(k), Benefit Hub, and the Employee Assistance Program.

Dependent Eligibility

  • A "dependent" is someone you elect to include on your health coverage:
  • Legal spouse (must be legally married)
  • Your child(ren) up to age 26, or any age if permanently disabled
  • Your child(ren) includes only: biological, step, adopted, and any for whom you are the legally appointed guardian.
  • As examples: Grandchildren, cousins, friends, neighbors, fiancés ARE NOT ELIGIBLE FOR COVERAGE.

NOTE: Proof of dependent eligibility required – get ready now!

  • HRAccess is partnered with Alight Dependent Verification Services to verify the eligibility of all dependents on our health benefit plans.
  • In order for each covered dependent to remain enrolled, you MUST provide documentation to verify their eligibility.
  • Requested documentation may include items such as birth or marriage certificates.
  • When you need to respond and provide documentation, a separate communication and instructions will be sent to your home and email addresses (work and personal, if available).

This dependent verification process will help lower compliance risk, preserve enrollment accuracy, and help control premiums and claims cost. While more information will be sent separately, now is a great time to review the HRAccess dependent eligibility rules (i.e. who is eligible and who is not) available under the Get Covered section, and take action to remove any ineligible dependents from coverage before the dependent verification audit begins.

Just visit the Benefits Enrollment website on the MyHR system during the first 30 days of your employment to select 2020 benefits for you and your eligible dependents!

WHO PAYS FOR COVERAGE?

For some benefits, the Company pays the full cost of coverage, while for others you and the Company share that cost or you pay the full cost.

The Company pays the full cost of…
Basic Life Insurance For you
HSA Company Contributions For you, if you elect qualifying medical coverage and complete IGNITE wellness goals
401(k) Plan Company Matching Contributions For you when you contribute to the 401(k) Plan (after 1 year of service)
Employee Assistance Program For you and your eligible dependents
Benefit Hub For you and your eligible dependents
HRAccess Benefit Advocate Center For you and your eligible dependents
You pay the full cost of…
Short-Term and Long-Term Disability Insurance For you
Health Savings Account

 

For you and your eligible dependents

Vision Coverage
Flexible Spending Accounts
Supplemental Life Insurance
Employee 401(k) Plan contributions  Your own contributions
You and the Company share the cost of…
Medical Coverage For you and your eligible dependents
Dental Coverage

How can the HRAccess Benefit Advocate Center make my healthcare decisions easier?

The HRAccess Benefit Advocate Center is a free service you can use to help you become a better healthcare consumer and save on your medical costs. You don't have to be enrolled in one of the company-sponsored plans to use this service. The program is available to help you and your family.

Call: 833.222.4845 or Email: bac.hraccessbenefits@ajg.com 

Locate qualified doctors for second opinions. Help you address medical bill issues. Identify which plan option is right for you and your family. Research your care options, including in-home, school- and community-based services. Gather information on medical conditions, treatment options, and prescription drugs. Explain Medicaid and other benefits.

MAKING CHANGES TO YOUR BENEFIT ELECTIONS

Most benefit elections you make cannot be changed during the year unless you experience certain "qualifying" events. See the detailed chart below for the types of changes you can make. You have 30 days from the event date to make changes to your benefits – NO EXCEPTIONS! To request benefit election changes as part of a life event, follow these steps:

  • Click on "MENU," hover over "Myself" and click "Life Events."
  • Review the available life events and select the one that fits your situation.
  • Follow the on-screen prompts.
  • Upon completion, the HRAccess Benefits Team will either approve or deny your request.

IMPORTANT: Report life events immediately! Do not delay. Changes to coverage and your payroll deductions will be made effective as soon as administratively possible. With the exception of birth or adoption, qualifying life event changes will take place on the first of the month following approval.

 

Life Event # Days from event date to complete changes Documentation Changes Allowed
Birth 30 days Birth Certificate or Hospital Document Add Newborn to coverage
Adoption, Gain Custody of Dependent 30 days Stamped & signed court document Add Dependent to coverage
Marriage 30 days Marriage License Add spouse and step children to coverage or terminate coverage
Divorce, Legal Separation 30 days Stamped & signed court document Delete ex spouse and stepchildren
Death of Dependent 30 days Death Certificate Terminate all dependent coverage
Overage Dependent End of month NA Terminate all dependent coverage
Moved – if outside of benefit service area 30 days NA Transfer benefit to new area
Change in Employment Level 30 days NA Enroll or terminate benefits
Loss of Coverage Employee/Dependent 30 days Insurance Company’s notification Enroll in benefits – Employee/Dependent
Gain of Coverage Employee/Dependent 30 days Insurance Company’s notification Terminate benefits – Employee/Dependent
Dependent Judgement Decree or Court Order 30 days Court Documents Enroll dependent in benefits
Medicare – Gain/Loss 60 days Medicare Notice Enroll or Terminate benefits affected member

For birth or adoption only: Every effort will be made to make changes retroactive to the date of the event. However, if you delay reporting life events until after the next payroll cycle has passed, your payroll deductions reflecting the change to your coverage may be delayed until the next paycheck. Refunds generally will not be made in connection with life events requested after payroll deadlines have passed.

TOOLS AND RESOURCES


BENEFITS CONTACT INFORMATION
800-244-6224 Cigna Customer Service mycigna.com
800-285-4812 Home Delivery Pharmacy  
800-244-6224 Health Coaching: Weight Loss, Stress, Tobacco Quit, Chronic Condition
800-615-2906 Healthy Babies Maternity Program
877-622-4327 Employee Assistance Program (EAP) cignabehavioral.com/cgi
     
866-723-0513 EyeMed eyemedvisioncare.com
833-222-4845 HRAccess Benefit Advocate Center bac.hraccessbenefits@ajg.com
800-243-5543 Optum – Flexible Spending and Health Savings Accounts optumbank.com
800-421-4758 Alliance – 401(k) Plan abgrm.com
800-735-1601 Soltis – 401(k) Savings Plan help soltisadvisors.com
855-255-3475 HRCentral Team HRCentral@Progrexion.com