Open Enrollment Information Coming Soon!

YOUR UNITED ZION BENEFITS
Journey Starts Here

WHAT TO KNOW

THREE HEALTHCARE PLANS

We simplified it this year and moved to three healthcare plans. One is an HSA plan, and the other two are PPO plans. Click here to learn more.

ROCK MEDICAL

We will continue to offer no-cost care for team members who select either PPO plan. For team members who select the HSA plan, your first sick visit is $99. All preventive and wellness visits are of no cost. Learn more
about Rock Medical
.

HSA MATCH

If you're enrolled on the HSA plan, we're giving you free money: $2,000 if you're enrolled as a single, and $4,000 if you're enrolled with dependents. Learn More about HSAs.

If you have any questions about your healthcare or benefits, contact our dedicated team member advocate at Lacher, Laura Mullins!

QUESTIONS?

ELIGIBILITY

We appreciate your dedication and service and are proud to offer a benefits package that is valuable, flexible and competitive, providing right-size coverage. If you are a full-time team member regularly working over thirty (30) hours per week, you are eligible to participate in the Benefits Program. You have the option to enroll yourself and/or your eligible dependents in our benefits program.

Eligible dependents include: (1) Your legal spouse that is not offered coverage through his/her current employer; and (2) Your children up to age 26. Only those dependents who meet the eligibility requirements can enroll for coverage.

 

MEDICAL

With medical you’ve got three choices. Each plan covers the same illnesses, symptoms, and procedures so the question boils down to…how do you want to pay for your healthcare over the next 12 months?

HSA 4500 PLAN

The HSA 4500 Plan has a higher deductible, but lower premium than the PPO Plans. This plan allows you to participate in a Health Savings Account. Also with this plan, after you meet your deductible, there are no further out-of-pocket costs except for prescriptions.

PPO 3000 PLAN

The PPO 3000 Plan has a lower deductible but high premium cost, which is the amount that is deducted from your pay. This plan has copays for things like doctor visits and lab tests, which you would continue to pay after the deductible has been met.

PPO 1000 PLAN

The PPO 1000 Plan has the lowest deductible but highest premium cost. This plan also has copays, just like the PPO 3000 plan.

It can be confusing to understand the differences between the plans. Take a look at this plan comparison to see examples of how each plan would cover expenses.

COMPARE MEDICAL PLANS

The Medical plans are administered by Capital Blue Cross.
Click the image below to see plan details. For full plan details, review the summary plan document.

HSA - HEALTH SAVINGS ACCOUNT

A Health Savings Account (HSA) combines high deductible health insurance with a tax-favored savings account. Money in the savings account can help pay the deductible. And money left in the savings account earns interest and is yours to keep.

For 2020 you can contribute up to $3,550 if you enroll as a single in the medical plan, or up to $7,100 if you enroll as a family. Additionally, if you are age 55 or older, you are eligible to make a catch-up contribution of $1,000.

These amounts include United Zion's contribution. You may elect to change your contribution amount at any time throughout the year!

United Zion will make a $2,000 contribution if you're enrolled as a single, and a $4,000 contribution if you're enrolled with dependents!

Team members eligible for benefits as of April 1st will receive an annual contribution of $1,500. Team members eligible for benefits as of July 1st will receive an annual contribution of $1,000. Team members eligible for benefits as of October 1st will receive an annual contribution of $500.

FSA - FLEXIBLE SPENDING ACCOUNT

A Healthcare Flexible Spending Account (FSA) is a health care account that lets you set aside pretax money to help pay for qualified medical, dental and vision expenses that occur during a 12-month period.


TWO OPTIONS

  • Healthcare FSA – Can be used ONLY with the PPO medical plans

  • Dependent Care FSA – Can be used with any of the medical plans

 

BENEFITS OF A HEALTHCARE FSA

  • Use it for office visit copays, Rx, and more

  • Contribute up to $2,700 per year

  • Use it or lose it (you may roll over up to $500 per year)

BENEFITS OF A DEPENDENT CARE FSA

  • Use it for eligible child care expenses

  • Contribute up to $5,000 per year

  • Use it or lose it (no rollover)

 

VOLUNTARY DENTAL

This optional benefit is available if you want a little extra protection for those pearly whites.
The Dental plans are administered by MetLife. 
Click the image below to see plan details.

 
 

VISION

Do you or your family wear glasses or contacts? Then this benefit is for you! The Vision plans are administered
through MetLife. 
Click the image below to see plan details.

OTHER BENEFITS

Here are some benefits provided to you at no additional cost.

PTO

United Zion cares about your well-being and encourages you to use your PTO throughout the year. You can use PTO for things like vacation, personal or family illness, doctor appointments and more. Take a look at our Benefits Highlights for more information about our PTO policy.

403(B) RETIREMENT

Thinking about your future is important and we want to help where we can. We contribute a 50% match when you make contributions in any amount up to 10%.


All eligible team members are immediately, fully vested in personal contributions and become fully vested in any employer matched contributions after three (3) years of service are completed.

 

Click here to learn more about our Retirement Plan.

 

ADD-ONS

Now let’s talk about the extras. Whether you want to think about insurance to take care of your family,
or to cover some expenses if you're out of work, we’ve got options for you.

LIFE INSURANCE

You have the option of purchasing additional coverage for yourself, spouse and children. You may choose coverage at a minimum of $25,000. This plan is administered by MetLife.

SHORT-TERM DISABILITY

The Short-Term Disability program provides financial protection for you by paying a portion of your income when you are Disabled. The benefit is up to 60% of your weekly earnings with a maximum of $2,000 per week. This plan is administered by MetLife.

LONG-TERM DISABILITY

The Long-Term Disability benefit is 40-60% of monthly earnings with a maximum of $10,000 per month, depending on the plan you choose. This plan is administered by MetLife.

CRITICAL ILLNESS INSURANCE

This program provides financial protection if you were to be diagnosed with a critical illness.

ACCIDENT INSURANCE

This program provides financial protection if you were to have an accident.

MORE ADD-ONS

You may also purchase Identity Theft Insurance, Pet Insurance, Long-Term Care, Insurance, and more - all in the online store.

 

ROCK MEDICAL

Primary Care for you when you need it most

WHAT'S INCLUDED

With our partnership with Rock Medical, you can receive a variety of services to help you achieve and maintain your best level of health and wellness, including:

  • Wellness visits

  • Extended sick visits

  • 24/7 access to a health care professional

  • Advanced integrated technology

  • Medical treatment and expert advice

  • Basic Lab Testing

  • And more!

HOW MUCH IT COSTS

If you enroll in one of our PPO medical plans, there is no per-visit cost for you. If you enroll in our HSA plan, there is a cost of $99/visit for initial sick visits. There are no fees for follow ups of sick visits or preventative care visits. All preventive and wellness visits are of no cost. Click here to learn more.


To help pay for these visits, you may use the $2,000 or $4,000 HSA dollars that we contribute into your HSA bank account.

HOW TO PARTICIPATE

To participate, you simply need to enroll in one of the medical plans we offer, then visit the Rock Medical facility at:


Rock Lititz Campus
Pod 2 | Suite 14
201 Rock Lititz Blvd.
Lititz, PA 17543

IS THERE AN APP?

 

WELLNESS

According to the World Health Organization, “Wellness is a state of complete physical, mental, and social well-being, and not merely the absence of disease.” Being well means feeling good in body and mind and that's why we're happy to offer these wellness programs and features to you and your family.

FREQUENTLY ASKED QUESTIONS

Click the image below to read FAQs.

 

LACHER WILL HELP

We have great news for all team members who have chosen to enroll in our healthcare & benefits program. As your benefits consultants, Lacher can help you get the most from your healthcare and benefits program.

LACHER WILL HELP YOU OR A MEMBER OF YOUR FAMILY WITH

 

  • Any claims that you believe haven’t been properly paid

  • Questions regarding a bill sent by a doctor, dentist, lab or hospital

  • Further clarification on any insurance matters

  • Questions about your healthcare benefits

DEDICATED ADVOCATE

We have a dedicated Team Member Advocate who is ready to help you deal with any situation in a discreet, confidential manner.

Our Advocate is:

Laura Mullins
Direct line: 215-660-0334  
lauram@lacherinsurance.com

Fax: 215-723-8604

 

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