Enrolling in Benefits

Who is Eligible

Employees who work 30 hours or more per week are eligible to participate in health, dental, vision and long-term disability. Employees who work 20 hours or more per week are eligible to participate in life insurance. Employees who work 15 hours or more per week are eligible to participate in the hospital indemnity, accident and critical illness plans.

Your employer selects which benefits they choose to offer to employees. If you have questions about your available benefits options, please contact Helpside at (801) 443-1090 or service@helpside.com

Your Employee Rate Sheet provides you with the monthly costs of the medical, dental, and vision plans. They also already account for any applicable employer contributions.

Please keep in mind that the deductions from your paycheck for medical, dental, and vision are taken on a “pre-tax” basis. These deductions occur prior to any tax calculations on your paycheck. Therefore, you will not be responsible for paying taxes on the premiums you pay for these benefit plans.

Premiums are collected from your paycheck one month in advance. Monthly premium deductions are spread over two checks for semi-monthly and bi-weekly payrolls and over four checks for weekly payrolls.

How to Enroll

Please submit enrollment forms at least one month in advance of your coverage start date to avoid back premium deductions.

If you choose to participate in these benefits, you must complete and submit enrollment forms as soon as possible before your coverage start date. You are eligible to enroll in benefits on the first day of the month after your waiting period. Your coverage start date can be found on your Employee Rate Sheet. Enrollment forms are available below.

The enrollment forms can be completed via DocuSign. Once you complete them online, a copy will automatically be sent to Helpside. We recommend you download a copy of the form for your records as well.

If you would like to request a PDF version of the forms, please contact us. Helpside cannot take responsibility for lost or missing enrollment forms.

Making the most of your benefits is easier if you are aware of the associated networks and administrators. Each benefit plan has a network of preferred providers. Using the preferred providers allows you to get the most value out of your benefits. If you do go outside of the plan’s network, your benefits will be reduced or eliminated. Find in-network providers at www.emihealth.com.

 

Health, Dental, and
Vision Plans

Employees who work 30 hours or more per week are eligible to participate in the health, dental, and vision plans.  Below you will find the health, dental and vision plan comparisons that are designed to aid you in selecting the option that you prefer. Once you have made your selections, please complete the Health, Dental, and Vision Enrollment Form below.

Health, Dental, and Vision Enrollment Form

 

Making the most of your benefits is easier if you are aware of the associated networks and administrators. Each benefit plan has a network of preferred providers. Using the preferred providers allows you to get the most value out of your benefits. If you do go outside of the plan’s network, your benefits will be reduced or eliminated. Please note that you will not be able to change your health, dental, or vision options until open enrollment.

 

Health Plan Information

2019 Health Plan Comparison

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2019 MedSave 2 Plan Summary

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2019 MedSave 1 Plan Summary

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2019 Essential Plan Summary

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2019 Value Plan Summary

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2019 Select Plan Summary

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2019 Preferred Plan Summary

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Dental Plan Information

Dental Plan Comparison

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Value Co-Pay Schedule

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Advantage Co-Pay Schedule

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Advantage Dental Plan Summary

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Choice Indemnity Care Dental Plan Summary

Download

Choice Indemnity Plus Dental Plan Summary

Download

Vision Plan Information

Vision Plan Comparison

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VSP 10/100 Plan Summary

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VSP 10/160 Plan Summary

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Tax-Favored Benefit Spending Accounts

Flexible Spending Accounts

An FSA is a tax advantaged benefit account, which allows you to pay for out-of-pocket medical, dental, and vision expenses with pre-tax dollars from your paycheck. Your contributions (premiums) to an FSA are deducted from your gross pay. Since your tax liability is then calculated on your remaining pay, you pay less in taxes.

When used properly, an FSA can help you reduce your tax liability. However, there is also a risk of losing unclaimed contributions. Claims must be incurred in the plan year, after your effective date, and during your duration as an employee of Helpside. Claims must also be received no later than 90 days after the plans ends. If you do not have enough claims to fully reimburse your elected amount for the year, you will forfeit unclaimed contributions. Careful planning is essential to maximizing the use of an FSA.

2018 Annual Election Limits          (according to current available information, subject to change by the IRS)

Flexible Spending            $2,650 (Orthodontia- $2,000 per family)
Dependent Care              $5,000 per family
Limited Use FSA              $2,650

More information can be found in the Tax-Favored Benefit Spending Account Comparison below. If you would like to participate, please compete the FSA and Dependent Care Enrollment Form.

Dependent Care Accounts

A Dependent Care FSA is a tax advantaged benefit account, which allows you to pay for daycare expenses with pre-tax dollars from your paycheck. Eligible dependents include children under age 13, or a spouse, children of any age, or elderly parents residing in your home, who are physically or mentally unable to care for themselves.

You and your spouse must be employed, or your spouse must be a full-time student, to be eligible to participate in the Dependent Care FSA. Payment for care cannot be made to anyone you claim as a dependent on your tax return, to your spouse, or to your children under age 19. You will only be reimbursed up to the amount you have contributed to date.

More information can be found in the Benefit Spending Account Comparison below. If you would like to participate, please compete the FSA and Dependent Care Enrollment Form.

Health Savings Accounts

HSAs allow employees to save pre-tax dollars for qualified medical expenses. Income you deposit (through payroll deduction) goes into your own personal account and will not be taxed, if used for qualifying expenses.

In order to establish and contribute to an HSA you must be enrolled in a High Deductible Medical Plan (HDHP). Our MedSave 1 and MedSave 2 options are both HDHP options which conform to US Treasury Department guidelines for HDHPs.

In order to facilitate the opening of an HSA, A Plus Benefits has established a relationship with Optum Bank.

Since HSA participants are not eligible to participate in a full service FSA, A Plus Benefits has established a Limited Use FSA that may be used in conjunction with an HSA. Eligible expenses in a Limited Use FSA include dental, vision and post-deductible medical expenses only.

Please remember that you must enroll in the HSA each year at open enrollment. The elections from the previous year do not roll over.

More information can be found in the Tax-Favored Benefit Spending Account Comparison below. If you would like to participate, please compete the Health Savings Account Enrollment Form below.

Additional Resources

You can find a representative list of eligible medical expenses in IRS Publication 502 at www.irs.gov/pub/irs-pdf/p502.pdf

National Benefit Services website (http://nbsbenefits.com/) provides information about checking flex spending account balances, submitting claims, eligible expenses, and how to set up an online account.

Supplemental Benefits

The Reliance Standard Supplemental Insurance products through Helpside allow you to diversify your benefits package and add benefits where your family needs it most. Each of the options pay a cash benefit to you rather than paying a medical provider directly, so you can use the money for whatever you need.

As a regular full-time employee (30+ hours per week for disability insurance, 20+ hours for life insurance, 15+ for other benefits), you are eligible to participate in these benefits on the first day of the month following a 60 day waiting period, without meeting any underwriting requirements. Detailed information for each of the plans can be found on the Reliance Standard Supplemental Benefits website listed below.

Benefits Networks and Contacts

Each plan has a network of preferred providers. Staying in-network provides the best benefit. If you go outside of the plan’s network, your benefit will be reduced or eliminated.

EMI Health
www.emihealth.com
(800) 662-5851

  • Contact for providers, cards, coverage and claims for the health, dental and vision plans
  • Health network in Utah: Care Plus
  • Health network outside Utah: Cigna PPO
  • Prescriptions: Express Scripts

Optum Bank
www.optumhealthfinancial.com

  • Health Savings Account Affiliate

Helpside Customer Service
service@helpside.com
(800) 748-5102

  • Contact for eligibility, pricing and enrollment questions

Helpside Benefits Summary Plan Descriptions

Benefits Privacy Notice

Information for Wyoming Participants

In some areas of Wyoming, there are very few doctors who participate in preferred provider networks (PPOs). Because of this, Helpside developed a system allowing plan participants to visit any doctor and have their “in-network” deductibles and co-pays apply, after the plan applies a discount.

For all non-network professional services in Wyoming, the plan will apply a discount dependent on the total billed amount BEFORE processing available benefits from the plan. This means that the patient will be responsible for any difference “balanced billed” by the medical professionals. The “in-network” deductibles and co-payments will apply, but the discount will be subtracted first. The discounts that will be taken are as follows:

  • For billed amounts up to $100.00, the plan will not discount the bill prior to paying benefits.
  • For billed amounts up to $500.00, the plan will take a discount of 10% prior to paying benefits.
  • For billed amounts over $500.00, the plan will take a discount of 20% prior to paying benefits.

Amounts billed by the same care provider for services provided on the same date of service will be considered a single bill.

Please remember that this method will be used for professional services received in the State of Wyoming only.

Home, Auto and Additional Personal Insurance Options

Our sister company, A Plus Risk & Insurance, can provide quotes for personal insurance such as:

  • Auto
  • Homeowner’s
  • Renter’s
  • Motorcycle/ATV
  • RV/Boat
  • Personal Umbrella

Personal Insurance Quote Sheet

To receive a no-obligation quote from our Insurance Specialists, complete this form and email it to riskmgmt@helpside.com or fax it to (801) 406-5546.