WHAT TO KNOW
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.
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.
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)
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.
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.
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.
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.
This program provides financial protection if you were to have an accident.
You may also purchase Identity Theft Insurance, Pet Insurance, Long-Term Care, Insurance, and more - all in the online store.
Primary Care for you when you need it most
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:
Extended sick visits
24/7 access to a health care professional
Advanced integrated technology
Medical treatment and expert advice
Basic Lab Testing
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?
Yes! It's called the Clio Health Go app and you can learn all about it here.
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.
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
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:
Direct line: 215-660-0334