Health

Medical

Through the High-Deductible Medical Plan and the Preventive Care Plus Plan, you can choose the level of coverage that’s right for you and your family. Each plan has unique features to consider:

Medical Plan Features

*To be eligible for the High-Deductible Medical Plan, you must have worked an average of 30 hours per week for 12 consecutive months.

Important Reminder

Starting January 1, 2019, the tax penalty for the individual mandate under the Patient Protection and Affordable Care Act (ACA) is reduced to $0 for individuals in the U.S. who don’t have medical coverage. However, certain states may require residents to have coverage or pay a penalty. Please check with your local county or state for more information.

High-Deductible Medical Plan

The High-Deductible Medical Plan provides comprehensive medical coverage through Cigna. With the High-Deductible Medical Plan, you will pay the cost of non-preventive services until you meet the deductible, then the plan pays 100 percent in-network. This plan does not require you to use Cigna network providers; however, you will receive substantial discounts by utilizing doctors within their network. Visit myCigna.com to find providers in the Cigna PPO Network.

Prescription drug coverage is provided through FBG Rx. When you use in-network pharmacies, prescriptions are paid at 100 percent after you meet the deductible. There are more than 63,000 in-network pharmacies nationwide, including almost all chain and independent pharmacies. Prescriptions are not covered at out-of-network pharmacies. To find a pharmacy, call 1.855.495.1192.

Please note: You and Robert Half share your coverage costs. You pay the full cost of coverage for your dependents. Your payments for coverage, including your payroll deductions, are made on an after-tax basis.

The following chart provides a brief overview of coverage under the High-Deductible Medical Plan:

Please note: Due to state laws, not all products are available in all states. Residents of Massachusetts are advised that enrollment in the medical plans offered by Robert Half may not satisfy state health insurance requirements.

Preventive Care Plus Plan

The Preventive Care Plus Plan, administered by The American Worker, provides preventive care services that meet the ACA’s requirements for minimum essential coverage. The plan covers preventive care services at 100 percent when you use an in-network provider. The plan does not include coverage for non-preventive services, such as emergency room care, hospital stays or non-preventive doctor’s office visits.

Below are additional features of the plan:

First Health Network: You must use in-network providers to receive care; services provided by out-of-network providers are not covered. Through First Health Network:

  • You can access a network of more than 490,000 providers across the country by visiting firsthealthlbp.com.
  • To simplify the process, your provider will submit claims for you.

Teladoc: Teladoc gives you access to U.S. board-certified doctors 24/7 by phone, online or via your mobile device.* For certain minor, non-preventive services, Teladoc doctors can diagnose, treat and prescribe medication, when necessary, for a variety of issues. Using Teladoc:

  • You can access medical care from anywhere without taking time off work.
  • You’ll hear back quickly, as the median call-back time is just 10 minutes.
  • You’ll reduce your out-of-pocket expenses by avoiding an urgent care or emergency room visit.

Prescription Drug Coverage:

  • Copays of $5, $10 or $15 are available for preferred generic drugs at in-network pharmacies (limited to the formulary drug list); there is no coverage at non-network pharmacies.
  • You’ll receive a discount for non-preferred generic and brand-name drugs at in-network pharmacies.
  • More than 63,000 in-network pharmacies nationwide, including almost all chain and independent pharmacies.
  • For questions or to locate a pharmacy, call The American Worker at 1.855.495.1192.

Employee Assistance Program (EAP): Plan members have access to the EAP through Magellan Health.

  • You can access up to five free, one-on-one counseling sessions per issue and unlimited referrals for you and your household members.
  • Confidential services include marriage or family counseling, parental guidance and child and eldercare.
  • To access the EAP, visit magellanhealth.com/member or call 1.800.327.9645.

*There are certain state requirements. In Arkansas and Delaware, an initial consultation must be done via video. In Idaho, consultations are only available via video.

Please note: Due to state laws, not all products are available in all states. Residents of Massachusetts are advised that enrollment in the medical plans offered by Robert Half may not satisfy state health insurance requirements.

© 2017 Teladoc, Inc. All rights reserved. Teladoc and the Teladoc logo are registered trademarks of Teladoc, Inc. and may not be used without written permission. Teladoc does not replace the primary care physician. Teladoc does not guarantee that a prescription will be written. Teladoc operates subject to state regulations and may not be available in certain states. Teladoc does not prescribe DEA controlled substances, non-therapeutic drugs and certain other drugs that may be harmful because of their potential for abuse. Teladoc physicians reserve the right to deny care for potential misuse of services.

Below is an overview of the Preventive Care Plus Plan.

The U.S. Preventive Services Task Force periodically updates the list of covered services and sets the requirements such as age, gender and/or health conditions for services to be covered. For a current list, visit healthcare.gov/preventive-care-benefits. Plan limitations and exclusions apply.

Group Hospital Indemnity Plans

The Group Hospital Indemnity Plans are supplemental options and are not designed to replace traditional medical plans. These plans do not meet the ACA’s requirements for minimum essential coverage and do not satisfy the ACA’s individual mandate.

The Group Hospital Indemnity Plans provide supplemental payments for health care expenses that your medical plan may not cover, including doctor’s office visits, diagnostic X-rays and lab work, hospital stays and surgical procedures. The plans pay in addition to other coverage you may have and can help cover out-of-pocket expenses, such as deductibles and coinsurance, when receiving medical treatment. The plans do not require you to stay in-network, so you can visit any provider you choose for services.

New Hampshire and Vermont residents are not eligible for the Group Hospital Indemnity Plans. Group Hospital Indemnity Plan benefits vary slightly for residents in the state of Washington. A schedule of benefits for Washington residents is available by calling 1.855.495.1192.

The following chart provides a brief overview of coverage under our three Group Hospital Indemnity Plan options:

The Group Hospital Indemnity Plans are underwritten by Nationwide Life Insurance Company.

Dental

The Dental Plan covers preventive and diagnostic services at 100 percent with no waiting period, after the per-visit deductible. It also provides coverage for basic and major dental services after the per-visit deductible and satisfying the applicable waiting period. You can use any provider, but you will pay less when you use a provider in the plan’s network, as in-network providers offer discounted rates. To locate providers in your area, visit Ameritas.com and select “Find a Provider.” Then select “Dental,” click on “Network Provider” and choose the “Classic (PPO)” network.

The following chart provides a brief overview of coverage under the Dental Plan.

*The amount paid for a dental service in a geographic area is based on what providers in the area usually charge for the same or similar dental service.

The Dental Plan is provided by Ameritas Life Insurance Corp.

Vision

The Vision Plan covers annual exams at 100 percent after you meet the $10 exam deductible. It also provides coverage for corrective eyewear, including lenses, frames and contacts. You can use any provider, but you will pay less when you use a VSP Choice Provider. To locate providers in your area, visit Ameritas.com and select “Find a Provider.” Then select “Vision: VSP,” click on “Look up VSP providers” and choose the “Choice” network.

The following chart provides a brief overview of coverage under the Vision Plan:

*Deductible applies to a complete pair of glasses or frames, whichever is selected.
**The Costco allowance is the wholesale equivalent.

The Vision Plan is provided by Ameritas Life Insurance Corp.

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