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TO: Associate
MAJOR MEDICAL open enrollment:
november 15, 2014 - february 15, 2015
866.667.8415
isagenix.enroll1st.com
GUARANTEED ACCEPTANCE DURING THIS TIME ONLY!
CALL or sHOP PLANS ON OUR TRUSTED SITE.
A Guide To Your
Healthcare Coverage
Follow 3 Simple Steps:
NAWP MEMBERSHIP:
1
you gain access to affordable medical coverage and valuable
2
Review the information in this guide.
benefits and discounts designed to help you control costs.
NAWP Membership provides you access to this and more!
Call 866.667.8415
Get directly connected to a certified benefits specialist.
3
By becoming a member of NAWP for only $6.00 per month,
Review
Z
Z
Enroll
$
Create voice recorded pin code and sign up in minutes.
No forms to complete.
Z
Z
Sleep Apnea Testing
Discounts on Prescriptions
401K(i)
Identity Theft Protection
$10,000 Life Insurance
Discounts on Diabetic Supplies
Coverage at a glance
Member
Monthly
Member + Spouse
Major Medical Insurance
Member + Child(ren)
Family
See page 3 for details
Basic Dental
$19.79
$31.87
$38.02
$53.48
Preferred Dental
$26.20
$44.69
$46.67
$68.96
Vision
$13.93
$20.23
$20.86
$28.37
Accident Insurance
See page 5 for rates.
Group Universal Life
Guaranteed Acceptance up to $50,000 in Coverage! See page 6 for rates.
Cancer
Plan helps pay for out-of-pocket medical expenses and more. Call today.
Critical Illness
401K(i)
2
Lump sum for first occurrence, re-occurrence and additional occurrence. Call today.
Contributions made on a pre-tax basis. You decide how much. See page 8 for more details. Call today.
An administrative fee of $4.00 will be applied for ACH Bank Draft.
MAJOR MEDICAL
FACTS
1. All Americans are required to be covered by a health plan.
2. If uninsured, you will face A TAX PENALTY.
3. Open enrollment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
4. You can NOT be declined for coverage.
NOVEMBER 15, 2014 through
FEBRUARY 15, 2015.
5. Many Americans will be able to receive financial assistance through a subsidy.
UNDERSTAND YOUR MAJOR MEDICAL OPTIONS
1. The nation’s best insurance carriers. YOU CHOOSE the one you want!
2. Coverage in all 50 states.
3. Create your plan to fit your budget.
4. Various deductible and coinsurance levels.
5. Copay options for office visits and prescriptions.
CALL TODAY TO FIND
FEDERAL SUBSIDY: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .OUT
. . . IF
. . YOU
. . . . QUALIFY!
6. Subsidy - an advance tax credit you can use to pay for health insurance costs.
7. To be eligible, you must purchase insurance in the health insurance exchanges or “marketplaces.”
8. The tax credit is based on your household income and the number of eligible dependents.
SUBSIDY CALCULATOR:
(annual income after write offs)
(half of self employment tax)
(percentage)
12
monthly health care expense.
ANNUAL INCOME (Family of 4)
AFTER WRITE OFFS +
HALF OF SELF EMPLOYMENT TAX
MAX % OF INCOME
YOU HAVE TO PAY FOR
THE PREMIUM
POSSIBLE
GOVERNMENT
TAX SUBSIDY
$30,000
2.00%
$7,690
$600
$50
$40,000
4.91%
$6,325
$1,965
$164
$50,000
6.73%
$4,925
$3,365
$280
ANNUAL
PREMIUM
YOUR
ESTIMATED
MONTHLY COST
HOW TO ENROLL
1.
2.
3.
4.
5.
Call today.
Ask questions.
Get guidance and support from certified, bilingual health care reform specialists.
Compare plans and prices from the nation’s best insurance carriers.
No paperwork to complete.
866.667.8415
3
DENTAL INSURANCE
DENTAL INSURANCE
Services
Coverage
Basic
Preferred
Type I - Diagnostic & Preventative**
100%
p
p
Type II – Basic Restorative Services***
80%
p
p
Type III – Major Restorative Services****
50%
p
Annual Maximum
Applies individually to member and each covered family member per policy year.
$500
$1,000
Annual Deductible
Applies to Type II and III
$50
$50
MONTHLY PREMIUMS
Member
Member + Spouse
Member + Child(ren)
Family
Basic
$19.79
$31.87
$38.02
$53.48
Preferred
$26.20
$44.69
$46.67
$68.96
* Out of network reimbursement based on maximum allowable (MA). ** Type I services include: exams, cleanings, topical fluoride, space maintainers and bitewings
*** Type II services include: x-rays, emergency treatment for pain, fillings, and simple extractions. **** Type III services include: denture repair, oral surgery (except TMJ),
non-surgical periodontics, surgical periodontics, periodontal maintenance, crowns, inlays, onlays, veneers endodontics, prosthodontics and implants. (12 month waiting
period for Type III); other limitations and exclusions may apply. See policy for details.
VISION INSURANCE
VISION INSURANCE
Examination
Once every 12 months
Lenses
Once every 12 months
Frames
Once every 24 months
Examination Co-Pay
$10
Materials Co-Pay
$25
Benefits
Participating Provider
Non-Participating Provider*
Examination
100%
Up to $40
Single / Bifocal /Trifocal Lens (Standard Plastic)
100%
Up to $40 / $60 / $80
Polycarbonate Lenses
$0 for members age 19 and under,
$30 for members over age 19
N/A
Standard Progressive Lenses
$50 additional co-pay
N/A
Standard Photochromic Lenses
$60 additional co-pay
N/A
Frames**
100%
Up to $45
Contact Lenses-Medically Necessary***
$250 allowance
Up to $225
Contact Lenses-Elective****
$100 allowance
Up to $100
Contact-Fitting
$30 allowance
N/A
Laser Eye Surgery
Access to disounted refractive eye surgery procedures from selected provider locations.
MONTHLY PREMIUMS
Member
Member + Spouse
Member + Child(ren)
Family
$13.93
$20.23
$20.86
$28.37
*All out-of-network reimbursement must be submitted to Advantica and are subject to co-pays. | ** 100% coverage applies to frames on Provider’s special frame selection.
If outside special frame selection, member receives a $100 allowance. | *** Limited to Aphakia, Keratoconus or Severe Anisometropia and requires pre-authorization by
Advantica. | **** This benefit is paid only once during the Group’s Benefit Period and must be fully utilized at the time of purchase.
ACCIDENT INSURANCE
An Accident Only Insurance Policy
Your membership in the National Association of Workplace Programs (NAWP) provides you with access to many valuable benefits including this
Accident Only Insurance Policy underwritten by Transamerica Life Insurance Company.
The More
You Know
Accidents can happen at any time, to anyone. Who would pay the bills when a serious injury
unexpectedly puts you in a hospital bed for days, weeks, or longer? The everyday bills and extra
expenses do not stop when an accident strikes.
Policy Description Highlights Benefits
Initial Hospitalization for Injury Benefit
$500 per person, per calendar year
Accident Emergency Treatment Benefit
$100 for member or spouse paid once per covered accident
$70 for children paid once per covered accident
Accident Hospital Income Benefit
Hospital - $100 per day up to 365 days per year with 30 days of accident
ICU - $300 per day up to 15 days per covered person per covered accident
Appliances Benefit
$100 per accident, per person
Physical Therapy Benefit
$50 per treatment, one treatment per day - up to six treatments per covered accident
Prosthesis Benefit
$500 per person, per covered accident
Accident Follow-up Treatment Benefit
$25 per visit up to a maximum of 3 treatments within 6 months per covered person, per covered accident
Wellness Benefit
$60 annual benefit for the insured or any one covered family member after the first 12 months of paid premium
Ambulance Benefit
$150 Ground Ambulance
$600 Air Ambulance
Accidental Death
Motorized Vehicle or Pedestrian Accidents
Member: $25,000
Spouse: $12,500
Child:
$2,500
Common Carrier Accident
Member:
Spouse:
Child:
$35,000
$17,500
$3,500
Other Accident
Member:
Spouse:
Child:
$15,000
$7,500
$1,500
Accidental Dismemberment
Pays the percentage of the accidental death benefit:
Both arms and legs - 100%
Two arm or two legs - 50%
Two eyes, hands, or feet - 50%
One eye, hand, foot, arm, or leg - 20%
One or more fingers and/or one or more toes - 5%
Specific Sum Injuries
Pays benefits for dislocations, burns, ruptured discs, torn knee cartilage, eye injuries, lacerations, internal injuries,
fractures, and for blood plasma. Benefits range from $30-$2,000. Ask for copy of rider for specific amounts payable
and definitions and limitations for each specific accident. (Benefits will not be paid for services rendered by a
member of the immediate family of a covered person)
Benefits Covered
On or off the job accidents
$
Rates for Accident Insurance
Member
Member + Spouse
Member + Child(ren)
Family
$25.39
$31.29
$31.94
$37.84
BI-MONTHLY
866.667.8415
MONTHLY
5
5
GROUP UNIVERSAL LIFE INSURANCE
Group Universal Life Insurance
Your membership in the National Association of Workplace Programs (NAWP) provides you with access to many
valuable benefits including this Group Universal Life Insurance.
Universal Life Insurance is designed to last your lifetime. It combines life insurance protection with
the ability to grow cash value over time. As long as your policy has earned sufficient cash value,
you may borrow from it for any reason at a modest interest rate. You can use this loan for things
such as paying college tuition, mortgage costs, or use it to pay for final expenses. Universal Life
Insurance provides the freedom and security of a specified death benefit plus the opportunity to
tailor your coverage to your personal situation. So you can shape your own tomorrow.
What Is It?
Policy Highlights
Group Universal Life Insurance Policy
GUARANTEED
ACCEPTANCE
UP TO
$50,000!
Benefit Levels
Guaranteed issue up to $50,000 for member and $15,000 for spouse.
Eligible dependent children is $25,000 or $10,000 for child term rider.
Eligibility
90 Days
Evidence of Insurability
Guaranteed Issue
Cash Value Accumulation
The policy builds with a guaranteed interest rate of 4%.
Portable
Yes. If you retire or leave your group, you can take comfort in knowing that your premium won’t change because
you leave.
Accelerated Death Benefit
for Critical Care Condition
Benefit amount is 25% of the life insurance death benefit, up to $100,000. Allows you to receive an early payout
of the life insurance death benefit in the event of these critical care conditions: cancer, heart attack, major organ
transplant surgery, end stage renal failure or stroke.
Accelerated Death Benefit
for Long-Term Care
Allows an insured to take an advance against the life insurance death benefit to help pay for long-term care. The
percentage of death benefit available each month is 4% for up to 25 months when confined in a licensed nursing or
assisted living facility, or 2% for 50 months when receiving home health or adult daycare. The Rider may not cover
all costs associated with long term care incurred during the period of coverage.
Extension of Long-Term
Care Benefits with Paid-Up
Insurance Benefit
If the insured’s entire death benefit under the Accelerated Death Benefit for Long Term Care Rider has been paid
and the insured continues to be chronically ill, the Extension of Benefits Rider allows an insured to have extended
benefits. The benefit will be for 4% for confinement in a licensed nursing or assisted living facility, or 2% for home
health care or adult day care service on a month-to-month basis, for up to an additional 25 months or 50 months
respectively.
Sample Premiums* - Non-Smoker
$
AGE
AMOUNT YOU WILL PAY
AMOUNT OF DEATH BENEFIT
Age 25
$23.59
$50,000
Age 30
$29.12
$50,000
Age 35
$35.56
$50,000
Age 40
$46.01
$50,000
* Rates are based upon age and tobacco usage. You must
speak with a benefits counselor to receive your applicable rate.
6
MONTHLY
866.667.8415
401K(i)
Retirement Solutions
Your membership in the National Association of Workplace Programs (NAWP) provides you with access to many valuable benefits including this 401K(i) Retirement Solution.
Reality Check
Everyone has a moment when tomorrow becomes real. When it’s time to think about your
retirement, our 401K(i) policy provides the tools and resources that make it easy to plan. So
you can do more than think about your future, you can plan for a brighter one. Has tomorrow
become real for you?
Did you know?
Did you know? If you start saving for retirement at age 35, and earn $40,000 per year,
you will need to save at least 12.2% each year going forward to potentially achieve
a fully funded retirement.1
The 401K(i) Retirement Solution
FEATURES
World-class investment options combined with customized participant education and state-of-the-art recordkeeping services for a
solution that provides unsurpassed fiduciary protection.
CREATES
A coordinated, risk-controlled approach to plan management by integrating all components of the plan into one bundled model,
delivering an unsurpassed level of efficiency and control.
FLEXIBILITY
You decide how much you want to save and decide how your money is invested.
CONVENIENCE
You can select from a variety of investment options to fit your needs.
TAX BENEFITS
Contributions made on a pre-tax basis reduce your current taxable income.
Helpful Tips:
u
u
u
u
Find a way to save automatically on a regular schedule.
Use your resources! If you need help, ask!
Find a plan that fits you, your lifestyle and your budget.
Reduce debt! The fewer bills you have to pay off, the more
money you can save for retirement.
Assumptions: Retirement at age 65, with a goal of replacing 80% of final working income for life. Source: Ibbotson et al, “National Savings Rate Guidelines for Individuals,” Journal of Financial Planning, April 2007.
1
7
Customer Service Center
P.O. Box 11528
Knoxville, TN 37939
DO NOT DISCARD.
IMPORTANT MEDICAL COVERAGE
OPTIONS INSIDE!
IT’S TIME TO CHOOSE YOUR 2015 HEALTH INSURANCE
1
2
IT’S EASY TO ENROLL!
CALL 866.667.8415
Speak to a live person who will guide you.
VISIT OUR TRUSTED SHOPPING SITE
MAJOR MEDICAL open enrollment:
Explore subsidies, plans, compare price tags - online.
november 15, 2014 - february 15, 2015
EITHER CHOICE PUTS YOU IN THE
DRIVER’S SEAT TO:
GUARANTEED ACCEPTANCE DURING THIS TIME ONLY!
COMPLY WITH THE LAW AND AVOID THE TAX PENALTY.
Find out if you are eligible for a subsidy in minutes.
CALL OR SHOP PLANS ON OUR TRUSTED SITE.
Get guidance in choosing the best affordable coverage.
Shop plans on and off the exchange.
Explore a broad menu of coverage options such as
medical, dental, vision, life insurance, and more.
866.667.8415