Have a question? Click the links below to learn more about each benefit and how it could help you. You can also visit PLANselect or call HRaccess Benefit Advocate center at 1-833-222-4845. For a deeper dive into our benefits, check out our 2023 HRAccess Benefit Guide.
We know how important your benefits are to you and your family and how important it is that we provide those benefits to you at a reasonable cost. As a result, we work diligently to provide competitive employee benefits. The Company contributes approximately 76% of the total cost across all medical insurance offered.
All medical plans are offered through SelectHealth. The MedNetwork Traditional plan has a higher premium (payroll deduction). Still, it offers fixed-dollar copays for office visits and prescriptions, plus a lower deductible for certain care other than office visits. The MedNetwork HDHP Base and Plus plans have lower employee premiums (payroll deductions) with higher deductibles that you must meet before the insurance begins paying. But, they also offer a Health Savings Account (HSA) feature that allows you to use tax-free money to pay those out-of-pocket costs and save for future healthcare needs.
Each of the medical plan options has an annual Out-of-Pocket Maximum. This maximum is the most you will pay out of pocket in a year in copayments, coinsurance, and deductible amounts combined. (Payroll deduction premiums do not count toward the Out-of-Pocket Maximum.)
HRAccess is partnered with PLANselect to help you identify the medical plan option that may be best for you. Answer a few simple and confidential questions about your estimated medical expenses for the coming year, and PLANselect will score each medical plan option, and provide estimated total costs. Give it a try now! Need additional guidance? Call the HRAccess Benefit Advocate Center at 833-222-4845!
Select Health | MedNetwork HDHP Base Plan | MedNetwork HDHP Plus Plan | MedNetwork Traditional Plan |
---|---|---|---|
In-Network Care | |||
Deductible | $4,500 - Employee Only*** $9,000 - Family |
$2,000 - Employee Only*** $4,000 - Family |
$1,250 - Individual $2,500 - Family |
Member Coinsurance | 30% | 20% | 20% |
Out-of-Pocket Maximum | $6,000 - Individual $12,000 - Family |
$4,000 - Individual $8,000 - Family |
$4,500 - Individual $9,000 - Family |
Preventive | 100% | 100% | 100% |
PCP Office Visit Copay | 30% after Deductible | 20% after Deductible | $25 |
Specialist Office Visit Copay | 30% after Deductible | 20% after Deductible | $50 |
Hospitalization | 30% after Deductible | 20% after Deductible | 20% after Deductible |
Urgent Care | 30% after Deductible | 20% after Deductible | $50 |
Emergency Room | 30% after Deductible | 20% after Deductible | $500 (waived if admitted) |
Retail Rx Copays* 30-Day Supply |
Medical Deductible Applies to Rx** | Medical Deductible Applies to Rx** | |
Generic | 30% after Deductible** | $15 after Deductible** | $15 |
Preferred Brand | $40 after Deductible** | $40 | |
Non-Preferred Brand | $60 after Deductible** | $60 | |
Out of Network Care | |||
Deductible | $9,000 - Employee Only*** $18,000 - Family |
$4,000 - Employee Only*** $8,000 - Family |
$2,500 - Individual $5,000 - Family |
Member Coinsurance | 50% | 50% | 50% |
Out-of-Pocket Maximum | $12,000 - Individual $24,000 - Family |
$8,000 - Individual $16,000 - Family |
$9,000 - Individual $18,000 - Family |
* If your doctor doesn't specify "Dispense as Written" (DAW) but you request a brand drug, you pay the generic copay plus the cost difference between the brand and generic drugs.
** See the Select Health Generic Preventative Drug List, available at https://selecthealth.org/.
*** This Deductible in the MedNetwork HDHP plans are for Employee Only level of coverage. If you have one or more dependents on this medical plan you must satisfy the family deductible before the plan starts paying benefits.
Go to Tools & Resources for additional information about these benefits.
The rates listed here are the employee’s portion of the premium per pay period. Be sure to check the Select Health Provider list - https://selecthealth.org/find-a-doctor before making your selection. When searching for a provider, ensure you're searching under the correct network for your state:
Utah - SelectHealth Med
Arizona, California, New Mexico, and Oklahoma - UnitedHealthcare Options PPO
Idaho - SelectHealth/St.Luke's Health Partners/Brightpath
MedNetwork HDHP Base | Employee Premium Per Pay Check |
Employee Only | $0.00 |
Employee + Spouse | $80.13 |
Employee + Child(ren) | $76.27 |
Employee + Family | $122.52 |
MedNetwork HDHP Plus | Employee Premium Per Pay Check |
Employee Only | $35.13 |
Employee + Spouse | $99.47 |
Employee + Child(ren) | $94.69 |
Employee + Family | $152.10 |
MedNetwork Traditional | Employee Premium Per Pay Check |
Employee Only | $89.50 |
Employee + Spouse | $285.14 |
Employee + Child(ren) | $271.23 |
Employee + Family | $435.15 |
For help understanding your medical option, take advantage of the PLANselect tool, or call the HRAccess Benefit Advocate Center at 833-222-4845 for assistance. You can also visit SelectHealth.org or call 800-538-5038.
Each employee enrolled in medical coverage must certify through MyHR whether or not they have used tobacco in the last six months. Employees who are tobacco users and are enrolled in medical must pay an additional surcharge equal to $25 per paycheck. However, HRAccess and Select Health are committed to making tobacco quit programs available to you. If you complete the tobacco cessation program, you may re-certify your HRAccess tobacco status by contacting HRCentral@progrexion.com (or call 855-255-3475) and the tobacco surcharge will be stopped as of your next regular paycheck.
NOTE: Dental Plans are offered through Delta Dental. The Buy-Up plan has the same benefits as the Core plan but it also includes limited orthodontia coverage for all enrolled family members. See below for coverage information and rates.
Core Dental | Buy Up Dental | ||
---|---|---|---|
Annual Deductible | In Network/Out-of-Network | Delta DPPO Advantage | |
Individual | $50 | $50 | |
Family | $150 | $150 | |
Diagnostic & Preventive Services | 100% — deductible waived | 100% — deductible waived | |
Basic Restorative Services | 80% | 80% | |
Major Restorative Services | 50% | 50% | |
Annual Maximum per person | $2,000 | $2,000 | |
Orthodontia | Not covered | 50%, to the $1,500 lifetime maximum per person |
Visit the Delta dental website or contact the Benefit Advocate Center at 833-222-4845 or bac.hraccessbenefits@ajg.com.
Delta Dental - Core | Employee Premium Per Pay Period |
---|---|
Employee Only | $6.84 |
Employee plus One | $13.69 |
Family | $29.06 |
Delta Dental - Buy Up | Employee Premium Per Pay Period |
Employee Only | $11.52 |
Employee plus One | $27.47 |
Family | $50.97 |
Our Vision plan, offered through EyeMed, covers eye exams and lenses or contacts once per year, and frames once every 24 months. Using their extensive network, the plan offers services that provide both eye exams and eyewear, making for "one-stop shopping" when it comes to your eye care benefits.
EyeMed | In Network | In-Network Plus Providers | Out of Network | |
---|---|---|---|---|
Eye Exams | $10 copay | $10 copay | $40 reimbursement | |
Frames – once every 24 months | ||||
Any frame available at the provider's location | $0 copay $135 allowance 20% off amounts over $135 |
$0 copay $185 allowance 20% off amounts over $185 |
$94.50 reimbursement | |
Lenses or Contacts – once every 12 months | ||||
Single Lenses | $25 | $25 | $30 reimbursement | |
Bifocal Lenses | $25 | $25 | $50 reimbursement | |
Trifocal Lenses | $25 | $25 | $70 reimbursement | |
Conventional Contacts | $0 copay $135 allowance 15% off amounts over $135 |
$0 copay $185 allowance 15% off amounts over $185 |
$135 | |
Disposable Contacts | $0 copay $135 allowance |
$0 copay $185 allowance |
$135 | |
Medically Necessary Contacts | Paid in full | Paid in full | $210 reimbursement |
Vision - Eye Med | Employee Premium Per Pay Period |
---|---|
Employee Only | $2.58 |
Employee plus One | $4.90 |
Family | $7.19 |
For more information, visit the EyeMed website www.eyemedvisioncare.com or call customer service at 866.939.3633 (Monday – Saturday, 5 am – 9 pm or Sunday, 9 am – 6 pm).
Go to Tools & Resources for additional information about these benefits.
If you enroll in one of the MedNetwork HDHP medical plan options, you can participate in a Health Savings Account (HSA) offered through Optum. If you enroll in a Traditional medical plan option, HSA contributions are not permitted under IRS rules, and you also do not qualify for the company contribution plan.
Contributing to the HSA is like contributing to your 401(k) – it provides a tax-free way to save for current and future eligible medical, dental, vision, and prescription expenses. Contributions are deposited into your account before federal, state, and Social Security taxes are withheld. And you pay no taxes when you use your HSA funds to pay for eligible expenses.
In 2023 you can contribute up to $3,850 if you have employee-only coverage or $7,750 if you cover one or more dependents. If you will be age 55 or older anytime in 2023, you can contribute an additional $1,000.
HSA participation offers you several key advantages:
For more information, visit the Optum Financial Services website (www.optumhealthfinancial.com), or call customer service at 800.243.5543 (Monday – Friday, 7 am – 7 pm).
Take the time to learn how the HSA can help you save!
Did you know when you make pretax contributions to your HSA, you can use these funds to pay for qualified medical expenses incurred once your account is opened and in the future?
Protect and Plan For Your Future.
HSAs offer triple tax savings through your payroll contributions, any interest, and earnings as well as the money is withdrawn. Each of these savings is not taxed if it's used for qualified medical expenses. (For a complete list of qualified medical expenses, click here). Your HSA balance grows in three ways:
Visit Optum www.optumbank for details.
There are several features that make the HSA a unique tool for saving on healthcare costs:
Yes – you are responsible for using your HSA funds only for qualified medical expenses. You should keep any and all documentation, including payment receipts, to substantiate your purchases and avoid possible tax consequences.
For a complete list of qualified medical expenses, visit here.
In 2023, HRAccess will continue to reward healthy actions through HSA contributions. If you are on a MedNetwork HDHP medical plan that pays a premium, completes an annual wellness exam (women's preventative exam qualifies), and have an active HSA with Optum, you could earn a cash contribution to your Optum health savings account (HSA).
If you are enrolled in the Traditional medical plan option or employee-only coverage under the MedNetwork HDHP Base plan, you won’t be eligible for the HSA Company Contributions.
As explained in the chart below, if you complete a Wellness visit before December 31, 2022, you will automatically qualify for the maximum HSA company contributions for 2023. After Q1 2023, employees will need to get their annual wellness exam (All preventative exams qualify) and have an active HSA to receive the following quarters' worth of company contribution.
No matter your situation, getting started now at SelectHealth.org means you will have the best chance at qualifying for maximum rewards!
Wellness Exam (Women's preventative exam qualifies) and an active HSA | Company Contribution Payout (Only MedNetwork HDHP Plus is eligible) |
Company Contribution Payout (MedNetwork HDHP Base and Plus w/ Dependents) |
---|---|---|
Between 1/1/2023-3/31/2023 | $562.50 Total Yearly Company Contribution
|
$1,125 Total Yearly Company Contribution
|
Between 4/1/2023-6/30/2023 | $375 Total Yearly Company Contribution
|
$750 Total Yearly Company Contribution Paid in quarterly amounts of $375 on the first check of Aug and Nov |
Between 7/1/2023-9/30/2023 | $187.50 Total Yearly Company Contribution Paid on the first check of Nov |
$375 Total Yearly Company Contribution Paid on the first check of Nov |
NOTE: You may qualify for only one of the above reward dollar levels each year. If your coverage level changes mid-year due to a qualifying life event, your reward level will be adjusted.
Good news! If you completed your annual physical in 2022 and you have an active HSA account, your qualification will carry over and count toward being rewarded in 2023!
A full annual physical (wellness check-up) with a primary care physician or an annual OB/Gyn well-woman exam/screening will qualify for credit to meet this wellness goal. Please also make sure when you schedule your wellness check-up with your doctor that you explain that this must be submitted to Select Health as a preventive wellness exam. Some doctors' offices will fail to do this if not instructed by the patient, especially if they use a portion of the visit to treat or discuss a specific diagnosis or existing condition. Contact the HRAccess Benefits Team at HRCentral@progrexion.com
If you would like to learn more details about your health benefits. Visit our tools and resource page to download the brochures.
Flexible Spending Accounts (FSAs) allow you to use tax-free dollars to pay eligible health care and/or dependent care expenses. Your contributions are deducted from your pay before Social Security, federal, and state taxes (if applicable) are withheld. You also don't pay taxes when you withdraw your FSA funds to reimburse yourself for eligible expenses.
The Dependent Care FSA will reimburse you only up to the amount available in your account when you file a claim. In addition, dependent daycare expenses are reimbursable only if the person you pay reports those payments as income. You must also provide the caregiver's Social Security or Tax I.D. number when submitting claims for reimbursement.
For more information, visit the Optum Financial Services website (www.optumhealthfinancial.com), or call customer service at 800.243.5543 (Monday – Friday, 7 am – 7 pm).
A 401(k) plan is simply a retirement savings account that is offered to employees. With a 401(k) savings plan, the money you elect to contribute to your retirement savings account is deducted from your paychecks and automatically deposited.
All new employees will be automatically enrolled in the 401(k) after 30 days at a 3% deferral rate. This means 3% of earnings, before tax, will automatically be applied to a 401(k). In order to opt-out, or increase the contribution amount, create an account through Fidelity at www.netbenefits.com, or call 1-800-835-5097.
Company match to a 401(k) begins at the beginning of the month, following 6 months of continued employment. That's free money!
Here is an example: Assuming total eligible pay for a paycheck is $1,500.00, here is how much you and the Company will contribute to your 401(k) account, depending on the percentage you elect to contribute:
If you to contribute this percent of your pay... | Your paycheck deduction will be | The company match will be. | For a total deposit to your 401(k) plan account of |
---|---|---|---|
1% | $15.00 | $15.00 | $30.00 |
2% | $30.00 | $30.00 | $60.00 |
3% | $45.00 | $45.00 | $90.00 |
4% | $60.00 | $52.50 | $112.50 |
5% | $75.00 | $60.00 | $135.00 |
(Note: Company match begins at the beginning of the month following 6 months of continued employment. Company contributions made for the 1-15 of the month appear on the 22nd paycheck. EXAMPLE - Employee begins working June 6, 2021, reaches 6 months of employment December 6, 2021, begins receiving company in January 2022. This employee can expect to see the match on their January 22, 2022 check.)
Helpful Tips
We’ve partnered with Morgan Stanley to provide you with web-based and telephone 401(k) advice. This service allows you to speak with an adviser, trained, and licensed to help you evaluate your risk tolerance, financial goals, and provide specific plan contributions and other information. Morgan Stanley offers one-on-one consultations with unbiased education. To schedule a consultation or for additional details, contact 310-443-0543.
The Company provides to help protect you and your family, save for retirement, or plan for some time away. You pay the full cost of many of these coverages but have the ability to select only those coverages that are right for our personal situation.
The HRAccess Benefits program offers optional disability coverage through New York Life disability insurance and is intended to replace a portion of your income if you are unable to work due to illness or injury.
You have the option to choose Short-Term Disability (STD) and/or Long-Term Disability (LTD) coverage. You are responsible for the full cost of this coverage. Neither STD nor LTD is available to your eligible dependents.
Note: This is only a summary of your STD and LTD benefits. A full description of benefits and exclusions can be found in your benefits summary or certificate of coverage.
Go to Tools & Resources for additional information about these benefits.
If you enroll in STD or LTD during your New Hire Enrollment you are guaranteed coverage. If you do not enroll when you are first eligible and want to enroll in Short Term Disability later, you will be required to complete an Evidence of Insurability form and be approved for coverage by New York Life. Please note that if you are not working your regular full-time hours on your disability coverage effective date, your policy will not begin until you are back to work full-time and meet the eligibility requirements.
Short-Term Disability Coverage | Benefit |
---|---|
Amount | 60% of your base salary (adjusted quarterly), to a maximum of $1,200 per week. |
Benefits Begin | After you have been unable to work due to illness or injury for 14 consecutive days. |
Benefit Duration | 11 weeks |
Pre-Existing Condition Limitations | You are not covered for:
|
Long-Term Disability Coverage | Benefit |
---|---|
Amount | 60% of your current salary, to a maximum of $5,000 per month |
Benefits Begin | After you have been unable work due to illness or injury for 90 days |
Benefit Duration | Until the earlier of the date your disability ends or the date you reach Social Security retirement age. |
Definition of Disability | You are considered Disabled if, solely because of Injury or Sickness, you are unable to perform the material duties of your Regular Occupation; and unable to earn 80% or more of your Indexed Earnings from working in your Regular Occupation. After Disability Benefits have been payable for 36 months, the Any Occupation definition of disability applies. |
Pre-Existing Condition Limitations | You are not covered for:
|
Survivor Benefit | If you die while receiving LTD benefits, your survivor will receive a single lump sum benefit equal to 3 months of the payments you were receiving while alive. |
If you enroll in LTD during your New Hire Enrollment you are guaranteed coverage. If you do not enroll when you are first eligible and want to enroll in LTD later, you must complete an Evidence of Insurability form and be approved for coverage by New York Life. For more information, read our LTD brochures for Progrexion and Lexington Law.
Note: This is only a summary of your Life/AD&D benefits. A full description of benefits and exclusions can be found in your benefits summary or certificate of coverage.
When thinking about life and accidental death and dismemberment (AD&D) insurance, give some thought to the expenses and income needs your dependents would have if something happened to you.
Under the HRAccess Benefits program, the Company provides you with a basic level of life and AD&D coverage at no cost to you. This coverage is equal to 1 times your annual eligible pay rounded to the nearest $1,000, to a maximum of $50,000. In addition, you can purchase additional life insurance coverage for yourself, your spouse or your dependent child(ren) during New Hire Enrollment, with the costs paid by you. Depending on the amount and timing of your request for additional life insurance coverage, you or your spouse may be required to provide evidence of insurability through New York Life. You will be notified if this applies to you.
Go to Tools & Resources for additional information about these benefits.
Basic Life/AD&D Coverage | Benefit |
---|---|
Amount |
|
Age Reductions | Payment to you or your beneficiary may be reduced based on your age when benefits commence:
|
Coverage Paid By | The Company. |
Note: This is only a summary of your Life/AD&D benefits. A full description of benefits and exclusions can be found in your benefits summary or certificate of coverage.
Supplemental Life Coverage | Benefit |
---|---|
Amount for You |
|
Amount for Your Spouse |
|
Amount for Your Unmarried Legal Dependent Child(ren) up to 19 years old 19-25 years if a full-time student 19 or more if incapable of self-sustaining employment due to a mental or physical handicaps. |
|
Age Reductions | Payment to your beneficiary may be reduced based on your age at the time of your death:
|
Coverage Paid By | You |
For more information, read our Life/AD&D brochures for Progrexion and Lexington Law.
Enjoy free access to a comprehensive employee discounts program, powered by BenefitHub! Visit MyHRAccess.BenefitHub.com to get started! The HRAccess Employee Discounts Program is the largest employee discount marketplace in the United States, providing access to a massive array of deals with many of your favorite brands. Included are discounts on movie tickets, hotels, electronics, cars, gym memberships, child care services, and a ton more! You name it, there’s probably a discount available. If not, on the website you can suggest your favorite local or national businesses to be added! There are even fully integrated quoting and booking tools for things like travel, tickets to events or movies, theme parks, automobile purchasing, and insurance quotes. Also, find local deals easily for wherever you live, work or play using the website’s Local Deals search feature. Contact HRCentral@Progrexion.com or call BenefitHub directly at 866-664-4621.
Visit MyHRAccess.BenefitHub.com to get started!
Problems are a part of everyday life, but you and your family can get help through the Employee Assistance Program (EAP), offered through Intermountain. The EAP provides assistance with the everyday challenges of life that can affect your health, family life and desire to excel at work.
EAP personal advocates will work with you and your household family members to help you resolve issues you may be facing, connect you with the right mental health professionals, direct you to a variety of helpful resources in your community and more.
The EAP also offers services to help you manage the things going on in your life. These services include free counseling, help for caregivers and crisis response. Call 800-832-7733.