Voluntary Programs. Offering Additional Benefits at No Additional Cost. For AIC Members
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1 Voluntary Programs Offering Additional Benefits at No Additional Cost For AIC Members Indiana Hospice & Palliative Care Organization Indiana Association of Home and Hospice Care Indiana Association of Area Agencies on Aging Indiana Assisted Living Association LeadingAge - Indiana LeadingAge - Ohio Ohio Council for Home Health and Hospice Pan-American Life Insurance Company, A rating (Excellent) with AM Best. Pan-American Life Insurance Company is the Dental and Vision Carrier Fort Dearborn Life Insurance Company, is rated A+ (Superior) by A.M. Best Company. Fort Dearborn Life Insurance Company is the Life and Disability Carrier Healthy Choice Plan Administrators, One Source Billing and Administration for all Plans
2 Why Choose Healthy Choices Benefit Plans? Our Voluntary Programs are built with flexibility in plan design, employees have freedom of choice on all offered coverage's, and all plans are offered on a voluntary or employer basis Offer Multiple Dental Options to groups 10+ EE S Careington Maximum Care PPO Dental Network Vision Plans with Private and Retail Chain Network Life Insurance and Disability Insurance Customized Dental and Vision ID Cards One Source For Billing, Enrollment and Administration
3 AIC Voluntary Benefits s select which plan(s) they would like to enroll in and have payroll deducted Ken Lee - employee Dental - Only Coverage Vision- & Children Life- & Family Coverage Disability- waiving coverage *Each offered plan will need to meet participation guidelines by each carrier.
4 EMPLOYEE BENEFIT PROGRAMS Customizing Your Benefit Plan Customize Your Benefits Deductible Customized $0 or $25 or $50 single- calendar year $0 or $75 or $150 family- calendar year $100 lifetime deductible, per person, applied to all services Coinsurance Customized Preventive 100% or 90% or 80% Basic 80% or 70% or 60% or 50% Major 60% or 50% or 40% or 30% Annual Maximums Customized $500 or $750 or $1,000 or $1,250 or $1,500 or $2,000 Orthodontia Lifetime 50% Customized $1,000 or $1,250 or $1,500 or $2,000 Groups with 5 or more s can elect Orthodontia Groups with 10 or more enrolled can offer 3 dental plans to their employees
5 Dental Contract and Network Differences Medical premiums are rising and dental dollars are being squeezed Dental Checklist 1. Does your dental plan offer 2 cleaning a year? 2. Does your dental plan offer an extensive PPO Provider Network for s to Access Providers for in network benefits? 3. Does your dental plan offer additional discounts if a member reaches their annual calendar year maximum? 4. Does your dental plan offer coverage to employees working 20+ weekly? 5. Does your dental plan for 5 employees or more offer Orthodontia coverage? 6. Does your dental plan for 10 + employees require 25% participation? 7. Does your dental plan give new hires credit for prior dental group coverage?
6 MAXIMIZING EMPLOYEE BENEFIT PROGRAMS The Advantages of Voluntary Programs to the Dental Plan: 100% Preventive, Basic Services 80%, Major Services 50%, Annual Maximum $1,500 A. Preventive Service B. Basic Services C. Major Services Preventive Services A. $ (2) cleanings Basic Services Charged B.$ Major Services Charged C. $ Total Charges $ In Network Charges 100% no balance billing $50 DED/ 80% $100 EE DED. Met 50% $500 EE EE pays $ includes DED Out of Network Charges* based on Dentemax Fee Schedule, plan does not reflect a 90% schedule. pays. $44.00 x (2) $50 DED/ $175 EE DED. Met $ EE EE pays $ Includes DED No Dental Coverage pays $ (2) $ $1000 EE pays 100% $1,850.00
7 VISION PROGRAMS Routine eye exams provide early detection of disease such as Diabetes, Hypertension and Glaucoma Early detection means reduced medical costs and less time off from work PROVIDER NETWORK SERVICES Extensive national provider networks including independent practitioners and retail chains such as Wal-Mart, Sam s Club, Ossip and More Freedom of choice - Members may select any eye doctor or receive discounts from our extensive national network of participating providers Use benefits online to order contact lenses
8 MAXIMIZING EMPLOYEE BENEFIT PROGRAMS The Advantages of Work Site Programs to the A. Annual Eye Exam B. Lenses- Standard Plastic C. Frames (once per 12 months) OR D. Contacts (once per 12 months) Annual Eye Exam Approx. Cost A. $ Lenses Approx. Cost B $ Frames Approx. Cost C. $ Contacts Approx. Cost D.$ In Network Benefits- How benefits pay in network $10.00 Copay $10.00 Copay $ Frame Allowance/ EE pays $30.00 $ Contact Allowance/ EE pays balance Out of Network Benefits- Can take material prescription in network and access in network material benefits for contacts or glasses Reimbursed up to $35.00 Up to $25.00 or can go in network w/ RX Up to $50.00 or can go in network w/ RX Up to $ Or can go in network w/ RX No Benefits- pays full cost and discount pays $ $ $ EE pays $175.00
9 OTHER PROGRAMS Life insurance provides the security of knowing our families will be financially protected when we are not there, yet many of us remain uninsured. According to LIMRA International, over 68 million Americans have no life insurance. A disabling injury occurs every two seconds, resulting in an employee s inability to earn a living. Bills and everyday needs do not stop when a disability occurs and savings can be quickly depleted. Unfortunately, one fourth of U.S. households have net assets under $10,000 and two-thirds live from paycheck to paycheck. Benefit Resources for s help families cope with sorrow and change with professional legal support, online funeral planning, and grief and financial counseling.
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