Your 2027 Benefits

Administered by Health Plans, Inc

You have the option of selecting a traditional PPO plan utilizing the Cigna PPO Choice Fund network or choosing a program called Value-Driven Health Plan (VDHP).

Value Driven Health Plans (VDHP)

Our health plan features value-driven payments, which is a new, transparent way of paying for medical care at hospitals and other facilities. For members like yourself, it works a lot like other plans: Once your deductible has been met, the plan will pay their portion of costs following any coinsurance, and you can choose from many different hospitals.

Please contact Pathways Concierge for all questions related to your medical plan. They are here to help! The number can be found on the back of your medical card.

Key Features

• Comprehensive, affordable coverage for a wide range of healthcare services
• Flexibility to see any provider you want, although you’ll save money when you stay in-network
• In-network preventive care, with services covered at 100%, including annual physicals, recommended immunizations, well-woman and well-child exams, flu shots, and more
• Prescription drug coverage included

Cigna PPO Choice Fund Medical Plans

Utilize a PPO network to see Physicians

With a PPO, you have access to a large network of providers and don’t need a referral to see a specialist. If you choose to get care outside of the network (such as a physician, hospital, clinic or pharmacy), those out-of-network services will be covered at a higher cost to you and will have to submit claims yourself. You will also need to meet a separate out-of-network deductible.

Hearing Aids

One hearing aid per ear per person every 3 Calendar Years and a combined maximum of $5,000.

• How to Find a Cigna Provider

• View VDHP Overview
• Pathways Concierge Overview
• Top 5 Questions to Ask
• Manage Your Plan Online
• How to Find a Provider
• Member ID Card Information
• 2027 Medical and Dental Rates
• Medicare Employee FAQs
• Medicare My Benefit Advisor

Tradebe is thrilled to partner with First Stop Health to offer you and your family access to telemedicine, virtual primary care, and virtual mental health all from the comfort of your home.

• Available at $0 patient cost for all medical plans.

• No access barriers - schedule an appointment 24/7.

• Feel better, faster. No stress, travel or paperwork to get care. 

Telemedicine

Save time and feel better faster thanks to 24/7 access to caring, US-based, board-certified doctors. Using First Stop Health’s mobile app, website, or with a phone call, avoid waiting rooms and paperwork — getting the quality, convenient care you deserve. 

Virtual Mental Health

Support for mental well-being anytime, anywhere. About 1 in 5 Americans, experience mental illness each year. First Stop Health offers a single virtual care solution for mental and physical health. In combination with Telemedicine, Virtual Mental Health offers you 24/7 access to short-term, solution-focused counseling via app, web or phone. Plus, there is zero cost for employees and their family members to access this care.

Virtual Primary Care

Support for urgent, chronic, and preventive care. Get convenient and affordable access to high-quality primary care with First Stop Health’s nationwide network of doctors. Using their app, website or with a phone call, access:

• Urgent Care: 24/7 access to doctors who connect to patients within minutes.

• Preventive Care: Schedule virtual doctor visits for routine screenings with coordinated care for lab, imaging and procedure orders.

• Chronic Care: Schedule virtual doctor visits for the management of ongoing health issues and care follow-up.

Plus, care is coordinated for in-network referrals, steerage to appropriate benefits and prescription management.

• Learn More

Our High Deductible Health Plans (HDHP) are plans that provide health coverage after you or your family member has met the deductible. The deductible is higher than in a traditional plan. After meeting your deductible, your plan covers 100% if you utilize an in-network provider.

These type of plans let you decide how, when and where your health care dollars are spent. The plans combine a health plan with a tax-exempt health savings account (HSA) to help cover the health care expenses you pay out of pocket, such as deductibles.

An HSA is an important part of the HDHP plans as it allows you to set aside pre-tax dollars to offset your deductible and other qualified expenses. Employees who enroll in a HDHP are able to fund their Health Savings Accounts through pre-tax payroll deductions. Any contributions made into the account are the employee’s to use (or invest) toward future eligible expenses as they want. Any deposits to this account (and any resulting investment earnings) are exempt from federal and most state income taxes as long as they are used to pay for eligible health care services (either now or in the future). Employees who enroll in a HDHP will automatically have an HSA account set up with HSA Bank and receive an HSA Bank debit card to access funds at the point of service. There is no cost to the employee for this account being set up, and through payroll deduction, employee contributions will be transferred directly into the account on a pre-tax basis up to the limits allowed by the IRS. HDHP enrollees will receive information from HSA Bank upon enrollment.

Advantages of Having an HSA:

• Set aside pretax dollars through payroll contributions to pay for the eligible medical, dental, vision and certain over-the-counter products

• Build personal savings while reducing your taxable income

• No “use it or lose it” rule, unlike the FSA

• Invest in a wide range of mutual funds, stocks and bonds with no minimum balance requirement

• Once you reach age 65, you can use the money in your HSA for any expense. You will pay income tax on the expense if it is not health care related, but no penalties apply

• $1,000 catch up contributions allowed if you or your spouse is over age 55

• Qualified medical expense that this account can be used for can be found on the HSA Bank website at hsabank.com.

You can contribute to an HSA if you:

• Are enrolled in the VDHP HSA $3500 Plan II or the HSA $3500 Plan IV medical plan

• Are not enrolled in MedicareCannot be claimed as a dependent on someone else’s tax returns.

• Do not have other non-HSA qualified coverage, like a PPO, HMO, or FSA.

A Flexible Spending Account helps you pay for health care and dependent care costs using tax-free dollars. Each pay period, you decide how much money you would like to contribute to one or both accounts. Your contribution is deducted from your paycheck on a pretax basis and is put into the Health Care FSA, Limited Purpose FSA, and/or Dependent Care FSA. When you incur expenses, you can access the funds in your account to pay for eligible health care or dependent care expenses.

Advantages of Having an FSA:

The health account allows you to fund your out-of-pocket medical, dental and vision expenses, such as copays and deductibles, with pre-tax dollars. By paying for out-of-pocket medical expenses with pretax dollars, you will save a minimum of $.23 per dollar because you do not pay Federal Income Tax or FICA tax on your contributions. The maximum contribution for 2027 will be $3,500.

• Healthcare FSA Debit Card: As an option, we are pleased to offer employees the option to have a Healthcare FSA debit card that will allow you to pay for most qualified expenses without being out-of-pocket and having to wait for reimbursement. Please remember: you must still retain all receipts as you may be asked to substantiate any expenses purchased with your FSA debit card.

• Grace Period: You are eligible for the annual grace period. This allows you to submit/incur expenses through March 15, 2028 to be paid with your remaining funds. If you do not use your funds and submit them by the deadline, the remaining balance will be forfeited. All claims must be submitted by March 31, 2028 for the January 1, 2027 - March 15, 2028 plan year.

Dependent Care Account

This account allows you to fund the costs of dependent care on a pre-tax basis. The care must be provided by a dependent care center or by an individual who can provide a name, address, and taxpayer identification number. You may contribute up to a maximum of $7,500 each tax year, per household. Although you may not take the childcare tax credit if you choose this option, you may save more depending on your income level.

Grace Period: You are eligible for the annual grace period. This allows you to submit/incur expenses through March 15, 2028 to be paid with your remaining funds. If you do not use your funds and submit them by the deadline, the remaining balance will be forfeited. All claims must be submitted by March 31, 2028, for the January 1, 2027- March 15, 2028 plan year.

What are the risks of FSAs?

FSAs should only be considered for anticipated expenses. You should be conservative when estimating the amount to contribute to each account. If you overestimate your expenses and have money left in the account at the end of the year, it will be forfeited. For a small percentage of participants, Social Security retirement benefits may be affected by participating in FSAs. Participation in this plan reduces your W-2 income, on which retirement benefits are based.

Important note: Expenses of a non-tax dependent are not eligible for reimbursement through the Healthcare FSA.

NOTE: IRS Regulations do not allow Domestic Partner claims to be submitted for reimbursement through the Flex plan unless they qualify as a tax dependent under Code Section 152.

Administered by Guardian

Accident insurance is an extra layer of protection that gives you a lump sum benefit payment to help cover out-of-pocket expenses.

Who is it for?

Nobody can predict when an accident might happen. That’s why accident insurance is a great add-on policy for people who want to supplement the heath and disability insurance coverage they already have individually or through an employer.

What does it cover?

Accident Insurance pays you lump sum of benefits after you suffer an accident. This could be more than 40 different circumstances, including: emergency treatment, ambulance, burns, dislocations, fractures, hospital confinement, and surgery.

Why should I consider it?

Health coverage is becoming more expensive, with higher co-pays, premiums, and deductibles. Accident insurance is a simple, cost-effective way to supplement and cover additional expenses your health and disability insurance may not cover, including x-rays, ambulance services, deductibles, and even things like rentor groceries. Plus, accident insurance is portable and payments are made directly to you.

*This is not a comprehensive list of covered injuries and treatments. Speak to a benefit counselor for a complete list of covered events. Limitations may apply.

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Administered by Guardian

Critical illness Insurance provides financial support following the diagnosis of a covered critical illness. The lump sum benefit is paid to you, so you can focusmore on recovery, less on expenses.

Who is it for?

Critical illness insurance is a supplemental policy for people who already have health insurance. It provides you with an additional lump sum benefits to cover expenses like deductibles, treatments, and living costs.

What does it cover?

Critical illnesses include strokes, heart attacks, Parkinson’s disease and cancer. Our policies can cover over 30 major illnesses, helping you stay financially stable by paying you a lump sum if you’re diagnosed with one of them.

Why should I consider it?

Health coverage is becoming more expensive, with higher co-pays, premiums, and deductibles. Critical illness insurance is a cost-effective way to supplement and pay for additional expenses that your health insurance doesn’t cover. Our policies typically provide lump sum benefits for the first and second time you’re diagnosed with a covered illness.

Plus, critical illness insurance is portable and payments are made directly to you.

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Administered by Guardian

Being hospitalized for illness or injury can happen to anyone, at any time. While medical insurance may cover hospital bills, it may not cover all the costs associated with a hospital stay.
That’s where hospital indemnity coverage can help.

Who is it for?

Hospital indemnity insurance is for people who  need help covering the costs associated with a hospital stay if they suddenly become sick or injured.

What does it cover?

Medical insurance insures medical expenses while hospitalized, but other costs can add up like extra childcare, transportation, help around the house, and pet care. Hospital Indemnity coverage pays lump sum benefits based on admission and days hospitalized that can be used to help any costs.

Why should I consider it?

Health coverage is becoming more expensive, with higher co-pays, premiums, and deductibles. Hospital indemnity insurance can help pay for out-of-pocket costs associated with being hospitalized, giving you more financial confidence for unplanned expenses brought on by a hospital stay.

Plus, hospital indemnity insurance is portable and payments are made directly to you

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New York Life recognizes that employees are often stretched between striving to do more at work, while also balancing life’s responsibilities, such as taking care of their families and loved ones. That’s why we’re excited to provide enhanced value-add service offerings through our partnership with ComPsych® Guidance Resources, one of the industry’s most trusted employee-assistance leaders. Resources offered are:NYL GBS Employee Assistance and Wellness Support - Helping employees and household members find solutions that restore peace of mind and work-life balance:3 counseling visits per person / per event / per yearWellbeing Coaching – 5 telehealth visits per yearDigital Portal, Mobile App, & Monthly WebinarsCritical Incident Support – Onsite HoursNYL GBS Financial, Legal and Estate Support - Offering financial wellness programs to help employees take charge of their future:Unlimited access to financial, legal, and estate experts.Professional support including unlimited financial information, tax consultations, family budgeting and estate planning.Assistance to identity-theft support with legal specialists as well as fraud-resolution services.Online tool to assist with writing wills and living willsNYL GBS Secure Travel - A worldwide assistance program that is part of your NYL GBS Accidental Death and Dismemberment (AD&D)This program is available when you travel more than 100 miles from home.*Pre-trip planning – helpful services and information when planning a tripAssistance while travelingTransportation related to medical emergenciesEmergency evacuation if adequate medical facilities are not available locallyNo dollar limits on medical evacuation or repatriation covered services arranged through Secure Travel.Services are provided and benefits are arranged by our service provider, Generali Global Assistance (GGA)

NYL GBS Survivor Assurance  - A free, interest-bearing account for claim payments of $5,000 or more. Account balances and activity can be managed 24/7 at http://www.nylgbssurvivorassurance.com/.Healthy Working Life Pre-Disability Services -  Pre-disability vocational services is a voluntary service feature of NYL GBS Healthy Working Life program to assist insured, actively at work employees, with a serious medical condition to remain productive and at work, while also helping them manage limitations that may be associated with their condition. Employee must be enrolled in LTDWhat We Do:Coaches conduct individualized telephonic assessments.Coaches recommend personalized interventions.The employer will determine whether or not to implement any recommendationsNYL funds up to $1,000 per member, per event in accommodations.Learn more about the program: Click HereNYL GBS Health Advocacy Program –NYL GBS offers our customers and their families (including spouse/domestic partner, dependent children, parents and parents-in-law) access to expert assistance with a wide range of healthcare and health insurance challenges. These services are described below.Health advocacy services are provided by experienced clinicians and insurance professionals, typically a Registered Nurse or a person experienced in health benefits and administrative issues. These “Personal Health Advocates” know the "ins and outs" of the healthcare and health insurance worlds, and are supported by medical directors and other clinical and benefits specialists.These services are available for use anytime by your employees or a member of the family and anywhere in the United States. And when facing healthcare issues for family that may be long distance, it’s comforting to have help.Personal Health Advocates provide clinical and administrative support for many types of healthcare, benefits or medical bill issues.The Personal Health Advocate will also assist with Senior Care and Special Needs service.Health advocacy services also help customers to get the most out of their health care benefits.Another critical component of this offering is Medical Bill Saver™. Personal Health Advocates work with health care professionals to negotiate a discount for customers on non-covered medical bills over $400, helping to reduce their out-of-pocket costsCall 888.724.2262, Monday - Friday from 8:00 am to 10:00 pm Central to speak with an MSA representative.

Administered by Lincoln Financial Group

Voluntary Short-Term Disability

Short-Term Disability provides a cash benefit when you are out of work for up to 13 weeks due to injury, illness, surgery, or recovery from childbirth. 

Long-Term Disability

Keep getting a check when you’re hurt or sick. You always have bills to pay, even when you can’t get to work due to injury, illness, or surgery. Long-term disability insurance helps you make ends meet during this difficult time.

Administered by Lincoln Financial Group

Basic Life and AD&D Insurance

Safeguard the most important people in your life. Think about what your loved ones may face after you’re gone. Term life insurance can help them in so many ways, like helping to cover everyday expenses, pay off debt, and protect savings. AD&D provides additional benefits if you die or suffer a covered loss in an accident.

We offer this valuable benefit at no cost to you.

• Provides a cash benefit to your loved ones in the event of your death
• Features group rates
• Includes LifeKeys® services, which provide access to counseling, financial, and legal support services
• Also includes TravelConnect® services, which give you and your family access to emergency medical assistance when you’re on a trip 100+ miles from home

Voluntary Accident & Death Insurance

The Lincoln AD&D Insurance Plan:

• Provides a cash benefit to your loved ones if you die in an accident
• Provides a cash benefit to you if you suffer a covered loss in an accident
• Features group rates
• Includes LifeKeys® services, which provide access to counseling, financial, and legal support
• Also includes TravelConnect® services, which give you and your family access to emergency medical assistance when you’re on a trip 100+ miles from home