Coinsurance – The percentage paid for a covered service, shared by you and the plan, once you have met your deductible. You are responsible for coinsurance until you reach your plan’s annual out-of-pocket maximum.

Co-payment – The fixed dollar amount that you pay for specific medical services.

Deductible – The amount you pay each calendar year before the plan begins paying benefits. Not all covered services are subject to the deductible. For example, the deductible does not apply to preventive care services. If you enroll in the Consumer Driven Plan, full prescription costs apply to your deductible.

Out-of-Pocket Maximum – The maximum you’ll pay for healthcare expenses in a calendar year.

Emergency Room Care – Care received at a hospital emergency room for life-threatening conditions.

In-Network Care – Care provided by contracted doctors within the plan’s network of providers. This enables participants to receive care at a reduced rate compared to care received from out-of-network providers.

Out-of-Network Care – Care provided by a doctor or at a facility outside of the plan’s network. Your out-of-pocket costs may increase, and services may be subject to balance billings.

Preventive Care – Routine healthcare, including annual physicals and screenings, to prevent disease, illness, and other health complications. In-network preventive care is covered at 100%.

Telehealth – Provides 24/7 access to a licensed physician by phone or live via phone or tablet.

Urgent Care – Visit urgent care for sudden illnesses or injuries that are not life-threatening. Urgent care centers are helpful when care is needed quickly to avoid developing more serious pain or issues.

Premium – The amount you pay through payroll deduction for benefit enrollments.

Evidence of Insurability – a record of past and current health evens used by insurance providers to verify whether a person meets the definition of good health.

Group Term Life (GTL) Tax – Employees must pay tax on the amount of the Company-paid premium for life insurance coverage amounts in excess of $50,000. This is called “imputed income” and is reflected in your paycheck each payday in the “memo” section of your pay stub. The IRS establishes the cost per month for each additional $1,000 of coverage based on age.

• Notify HR within 31 days of the event
• Evidence of the event will be required

• You will be required to provide documentation that shows the dependent(s) enrolled is considered a lawful dependent(s)
• You will receive a letter in the mail that outlines what documentation is acceptable for each type of dependent

• A lawful spouse
• A child under your care who is under the age of 26
• A child in your care over the age of 26, who is legally disabled, and the disability occurred before the age of 26
• A dependent appointed by the court

• Open Enrollment is typically held in November

• Cigna:
  1. Website: www.mycigna.com
  2. Phone: 800-244-6224

• Contact Health Advocate:
  1. Health Advocate can quickly help you find an in-network provider in your area and make an appointment
  2. Phone: 866-799-2728

• Website: www.healthadvocate.com/members

• Medical – Cigna mails your ID card to the home address listed in IPS Connect (through ADP)
  1. Download the myCigna app for easy access to your medical ID card
• Vision – Cigna mails your ID card to the home address listed in IPS Connect (through ADP)
• Dental – you will not receive a dental card. Let your dental provider know that you have coverage under Cigna. Contact the HR Team if more information is needed.
• Health Savings Account (HSA) – a debit card is mailed to your address on file
• Flexible Spending Account (FSA) – a debit card is mailed to your address on file

• No

• Consumer Driven Plan
• Copay Plan

• Yes

• Cigna provides pharmacy benefits through Express Scripts. Log into express-scripts.com and create an account.
• You can see covered drugs, best pricing based on your medial plan enrollment, schedule mail order and more.

• On the Copay medical plan, each prescription drug is assigned a tier (1 through 3) and has a corresponding price based on the tier that it has been assigned.

• There is currently no cap on the number of children that can be added or a rise in premium associated with a certain number of children. However, dependent verification will be completed for each dependent enrolled.

• Tax-Advantage means your contributions are considered pre-tax deductions and may lower your taxable earnings. IPS offer two types of accounts:
  1. Health Savings Account (HSA)
  2. Flexible Spending Account (FSA)

• HSA – must be enrolled in the Consumer Driven Plan
• FSA – must be enrolled in the Copay Plan or not enrolled in an IPS medical plan
• Dependent FSA – all IPS employees are eligible to enroll

• Contributions are made by payroll deduction and direct deposited into your tax-advantage account

• These accounts are used to cover the cost of qualified health expenses including prescription medications, and also includes some over-the-counter items as well.
• Visit the provider websites to find out more. (link to the benefit resources page on the website)

• HSA – your contributions will rollover from year to year. HSA funds can be invested. Learn more here: https://www.hsabank.com/hsabank/members/hsa-investment-options
• FSA – the IRS use it or lose it rule applies. Maximum rollover amount is $500/year – any amount over $500 will be forfeited

• When you are sick or injured (outside of work), STD may replace lost income earnings temporarily until you can return to work.
• If your disability is prolonged, LTD provides income replacement benefits while you remain disables, generally up to normal retirement age.

• Inform your supervisor
• Contact the HR Team for details on how to initiate your leave claim and what information will be required by the STD/LTD provider

• The cost of this coverage is calculated based on your yearly income before overtime and bonuses. Please see IPS connect for your exact cost.

• New York Life must approve your claim prior to benefits being paid out.

• Yes! Ask your New York Life claim manager for more details.

• The time can vary due to when you submit your form and what follow-up information New York Life may need. Once you’ve submitted your form, you can call New York Life for updates.

Beneficiary & Dependent – what’s the difference?

• A BENEFICIARY is a person who you elect to collect monetary benefits in the event of your passing
• A DEPENDENT is someone who relies on your enrollment(s) for insurance coverage(s)

What information do I need to add a beneficiary in IPS Connect?

• Full Name
• Relation to You
• Phone Number

What information do I need to add a dependent in IPS Connect?

• Full Name
• Date of Birth
• Gender
• Social Security Number (required by benefit providers to process claims)
• Relation to You

What does primary and contingent/secondary beneficiary mean?

• Your primary beneficiary is who your benefits will be paid to first in the event of your passing. Your secondary beneficiary is who your benefits will be paid to in the event of your passing and in the case where it is impossible for benefits to also be paid to your primary beneficiary.

How many beneficiaries can I have?

• You may have as many beneficiaries as you’d like in both the primary and the contingent/secondary classification. You will however need to divide the benefit in percentages between each that you elect ensuring that the total is 100%.

Basic Life Insurance vs. Voluntary Life Insurance:

• Basic – coverage provided by IPS at no cost to you
• Voluntary – you may elect additional coverage for yourself in addition to the IPS coverage

What does ‘guarantee issue amount’ mean for voluntary life insurance?

• The maximum amount of coverage provided under the voluntary life insurance policy without having to provide Evidence of Insurability

How much does voluntary life insurance cost?

• The cost of this coverage is calculated based on your annual base earnings and age. Base earnings exclude overtime and bonus payments. Please see IPS connect for your exact cost.

Does AD&D only cover a work-related accident?

• AD&D coverage does not require the accident to occur at work for payment.

Could my beneficiaries receive payment from both my life insurance coverage & AD&D insurance if something happens to me?

• Yes, this is possible.

What is Evidence of Insurability?

• Evidence of Insurability (EOI) is a record of a person’s past and current health events. It’s used by insurance companies to verify whether a person meets the definition of good health.

When is EOI required?

• If a coverage amount is elected over the guaranteed issue amount
• For all new enrollment requests during the Open Enrollment period

How does EOI work?

• A member of the HR Team will initiate the EOI process
• Employees complete and submit the EOI health questionnaire to New York Life
• New York Life reviews and determines if the requested benefit is approved or denied

When is my benefit effective if EOI is required?

• Coverage will not be effective until the date of New York Life’s approval
• Payroll deductions begin once the election has been approved

• Contact a member of the HR Team for a copy of the Rollover form.

• Pre-Tax – your contributions are pre-tax. You will pay taxes on these contributions when you begin to withdrawal funds.
• Roth – your contributions are taxed at the time you contribute. You will not pay additional taxes on this money.

• No! Please login to your ADP 401k accounts to review and/or setup your beneficiary.

• LifeLock plus Norton is an identity protection service. LifeLock will monitor your personal information as well as accounts, etc. to ensure that you and you only are using your information. They also have anti-virus software that you can install on your electronic devices to further protect yourself.

• There are 3 main differences between the two:
  1. Benefit essential
     1. 1 credit bureau monitoring
     2. 10 GB of cloud backup space
     3. Antivirus protection for up to 3 devices
  2. Benefit premier
     1. 3 credit bureau monitoring
     2. 50 GB of cloud backup space
     3. Antivirus protection for up to 5 electronic devices

• LifeLock requires a personal e-mail account on file. All communications will be sent directly to this e-mail address.

• Full Name
• Date of Birth
• Gender
• Social Security Number (required by benefit providers to process claims)
• Relation to You

• Complete the IPS Refer-a-Friend Form and a member of the HR Team will contact you.

How do I take advantage of the Tuition Reimbursement Program?

• Review the IPS Tuition Reimbursement Policy, located on IPS Connect (through ADP)
• Discuss your education goals with your supervisor
• Your supervisor will discuss with the HR Team for approval

Provider: Cigna
Website: https://www.myCigna.com/
Phone: South Carolina: 800-868-2528
Outside South Carolina: 800-810-2583

Resources:

One-Guide

MD Live

Total Behavioral Health

Lifestyle Management Program

Provider: Express Scripts
Website: https://www.expressscripts.com/

Access your pharmacy benefits to price a drug, schedule mail order, and view your claims.

Provider: MD Live through the Cigna Health Plan
Website: https://myCigna.com, Then select “Talk to a doctor”

Phone: 888-726-3171

Provider: Cigna
Website: https://my.cigna.com/
Phone: 877-478-7557

Summary of Benefits:

Summary of Vision Benefits

Provider: HSA Bank
Website: https://www.hsabank.com/
Phone: 800-357-6246

Resources:

Health-Savings-Account-Overview (PDF)

HSA Bank Learning Center

Tax Benefits of an HSA

Health Account Videos

Provider: Flores & Associates
Website: https://www.flores247.com/
Phone: 800-532-3327

Resources:

Flores Resource Library

What is a Health Care FSA?

FSA Store

Provider: ADP 401k
Website: http://www.workforcenow.adp.com
Phone: 866-695-7526

Resources:

Accessing Your 401k Account (PDF)

Provider: NFP
Phone: 800-493-1981 ext: 32345

Provider: LifeLock with Norton
Phone: 800-607-9174

Resources:

LifeLock Benefit Essential Fact Sheet (PDF)

LifeLock Benefit Premier Fact Sheet (PDF)

LifeLock Parental Controls Fact Sheet (PDF)

Phone: 866-799-2728

Provider: Health Advocate
Phone: 866-799-2728

Provider: New York Life formerly Cigna
Phone: 888-842-4462

Provider: The Work Number
Website: http://www.theworknumber.com/employees
Phone: 800-367-2884

Provider: IPS Connect through ADP
Website: http://www.workforcenow.adp.com

InsurChoice powered by NFP

InsurChoice powered by NFP makes shopping for home, auto and other insurance policies easy. Work with an NFP insurance specialist, for free, to get competitive quotes today. This service is available to all IPS employees.

Learn more:

InsurChoice Flyer

Phone: 888.858.1594

Email: InsurChoice@nfp.com