Frequently Asked Questions

FREQUENTLY ASKED QUESTIONS: ANNUAL ENROLLMENT 2022

q: When is annual enrollment?

A: November 1, 2021 through November 12, 2021

Q: Where do I go to complete annual enrollment?

A: Sign-up on our benefits website: www.unitedfamilybenefits.com

Q: What is an active annual enrollment?

A: An active open enrollment requires ALL eligible Team Members to elect or waive company benefits. Previous benefits will not automatically rollover.

Q: Why is annual enrollment an ACTIVE ENROLLMENT?

A: Due to major changes in our benefit plans:

All new Medical and Dental plans

Consolidated Medical plan with an HSA (Health Savings Account) option
Discontinuation of the Wellness Discount. The Wellness Discount will end with the current plan. We are evaluating future programs to provide you and your family with Health and Wellness benefits and incentives for a healthy lifestyle. Please refer to your Annual Enrollment Packet on other programs we currently offer such as the Diabetes Management Program, 24-Hour Nurseline, SmartShopper and the Employee Assistance Program, just to name a few.

Short Term Disability Enhancements

All Full Time Team Members are automatically enrolled in Short Term Disability. This plan has been enhanced so that now with a qualifying event, you are eligible for 100% of your pay for the first 6 weeks, and 60% of your eligible pay for 19 additional weeks.

Vision Plan Enhancements

VSP KidsCare is a new program for children that need eye care insurance.

Q: how do i know what medical plan to pick?

A: A brief explanation on the differences of each plan. It is important to look at the premiums, deductibles, and out of pocket maximums.

EPO plan:

Must be seen at an in-network facility or in-network physician. Visit will not be covered if go outside of network except for emergency.

*Recommend speaking with your physicians to make sure they are in the EPO network before selecting your plan.

Set co-pay amount options for Dr. visits, diagnostic testing and lab work.
$1,500 team member deductible & $4,500 Family Deductible.
The out of pocket maximum you will have to pay will be $5,000 for Team Member only and $15,000 for family.

PPO Plan:

The new PPO Plan is comparable to the 2021 Basic and Standard PPO Plans with a lower deductible and out of pocket maximum.
The deductible is the out of pocket amount that you have to pay before insurance will start paying. Once the deductible is met, your portion for in-network expenses is 20% and the insurance company pays 80%.
$750 Team member only Deductible and $1,500 Family Deductible.
The out of pocket maximum you will have to pay will be $3,500 for Team Member only and $7,000 for family.

HSA (Health Savings Plan)

Converted 2021 High Deductible Plan to an HSA Plan.
If you select an HSA plan, you cannot participate in a Flexible Spending Account.
It’s up to you how much to contribute and when you want to use the money in your HSA. You can use it to pay for eligible healthcare expenses now or in the future — including in retirement. Money you don’t spend by year-end stays in your HSA, just like a regular savings account, and continues to build with interest. There’s no “use it or lose it” rule.
Money you contribute to your HSA goes in tax-free. It comes out tax-free too, as long as you use it to pay for eligible healthcare expenses. If you have at least $1,000 in your account, you can invest it in mutual funds, just like you do in a 401(k), and any earnings are also tax-free.
$2,000 Team member only deductible and $4,000 Family Deductible.
The out of pocket maximum you will have to pay will be $6,000 for Team Member only and $12,000 for family.

*Must enroll HSA plan with Fidelity. Team Members will receive more information in mail on how to register your account once you sign up for this plan.

HSA Contributions limits
- $3,650 Team member only.
- $7,300 for team member + dependent.

Q: what is the difference between an fsa and an hsa?

You own your own account, not your employer: ✔️HSA ❌FSA
Contributions you make to your account are pre-tax deductions: ✔️HSA ✔️FSA
The money in your account stays with you, no matter what: ✔️HSA ❌FSA
The account can be good for long term savings: ✔️HSA ❌FSA
You can invest the money for potential tax-free growth: ✔️HSA ❌FSA
You can spend the money tax free on qualified medical expenses: ✔️HSA ✔️FSA
If you lose your job, the money can cover your COBRA cost: ✔️HSA ❌FSA
The account covers your qualified medical cost in retirement: ✔️HSA ❌FSA

Q: are there options for phone or video consulations with a doctor on any of the plans?

Teledoc is a great benefit option that allows you to consult with a physician for much less than an actual office visit. (Only $20 per visit if you are on the EPO or PPO plan.)