This publication highlights recent plan design changes and is intended to fully comply with the requirement under the Employee Retirement Income Security Act (“ERISA”) as a Summary of Material Modification and should be kept with your most recent Summary Plan Descriptions.

Hospital Indemnity Statement

IMPORTANT: This is a fixed indemnity policy, NOT health insurance.

This fixed indemnity policy may pay you a limited dollar amount if you’re sick or hospitalized. You’re still responsible for paying the cost of your care.

•The payment you get isn’t based on the size of your medical bill.

•There might be a limit on how much this policy will pay each year.

•This policy isn’t a substitute for comprehensive health insurance.

•Since this policy isn’t health insurance, it doesn’t have to include most Federal consumer protections that apply to health insurance.

Looking for comprehensive health insurance?

•Visit Healthcare.gov or call 1-800-318-2596 (TTY: 1-855-889-4325) to find health coverage options.

•To find out if you can get health insurance through your job, or a family member’s job, contact the employer.

Questions about this policy?

•For questions or complaints about this policy, contact your State Department of Insurance. Find their number on the National Association of Insurance Commissioners’ website (niac.org) under “Insurance Departments”.

•If you have this policy through your job, or a family member’s job, contact the employer.

At Healthcare Search, we are committed to providing a comprehensive and valuable benefits package to you and your family. Review this guide to learn about your options so you can make the most of your benefits. If you have any questions, feel free to reach out to our local support team at 985-273-5822 or support@healthcaresearch.biz.

Eligibility and Enrollment

You are eligible to participate in benefits if you are a full-time employee working at least 30 hours per week. If you enroll for benefits, you may also cover your:

•Legal spouse

•Domestic Partner

•Children up to age 26

•Unmarried children of any age who are mentally or physically disabled

Your benefits begin on the first of the month following your hire date. Please refer to the SPCs for each benefit to confirm whether you, your spouse and dependents are eligible.

Select Your Benefits Carefully

To get the most value from your benefits, carefully consider which options are right for you and your family.  Pretax benefits include: medical, dental, vision, medical bridge, and accident.

Making Changes to Your Benefits

Each year, you have the opportunity to make changes to your benefits during Annual Enrollment. Any pre-tax benefit elections made during open enrollment must remain in effect until the following Annual Enrollment period, unless you experience a qualifying event which may allow for an election change. Examples of qualified life events include:

•Marriage, legal separation or divorce

•Birth or adoption of a child

•Change in a dependent’s eligibility status

•Loss of eligibility for group health coverage, health insurance coverage, or Medicaid/CHIP

•Becoming eligible for a state premium assistance subsidy

If you believe you have a qualifying event, please notify Human Resources immediately.  You have 30 days from a qualified change in status to make changes. However, note that if you lose eligibility for Medicaid/CHIP, or become eligible for a state premium assistance subsidy, you have 60 days from that qualified change in status to make changes.

Keep in mind, the changes you make must be directly related to the event.

T​his document is an outline of the coverage provided under your employer’s benefit plans based on information provided by Parker Layrisson Law Firm. It does not include all the terms, coverage, exclusions, limitations, and conditions contained in the official Plan Document, applicable insurance policies and contracts (collectively, the “plan documents”). The plan documents themselves must be read for those details. The intent of this document is to provide you with general information about your employer’s benefit plans. It does not necessarily address all the specific issues which may be applicable to you. It should not be construed as, nor is it intended to provide, legal advice. To the extent that any of the information contained in this document is inconsistent with the plan documents, the provisions set forth in the plan documents will govern in all cases. If you wish to review the plan documents or you have questions regarding specific issues or plan provisions, you should contact your Human Resources/Benefits Department.

Hospital Indemnity Statement

IMPORTANT: This is a fixed indemnity policy, NOT health insurance.

This fixed indemnity policy may pay you a limited dollar amount if you’re sick or hospitalized. You’re still responsible for paying the cost of your care.

•The payment you get isn’t based on the size of your medical bill.

•There might be a limit on how much this policy will pay each year.

•This policy isn’t a substitute for comprehensive health insurance.

•Since this policy isn’t health insurance, it doesn’t have to include most Federal consumer protections that apply to health insurance.

Looking for comprehensive health insurance?

•Visit Healthcare.gov or call 1-800-318-2596 (TTY: 1-855-889-4325) to find health coverage options.

•To find out if you can get health insurance through your job, or a family member’s job, contact the employer.

Questions about this policy?

•For questions or complaints about this policy, contact your State Department of Insurance. Find their number on the National Association of Insurance Commissioners’ website (niac.org) under “Insurance Departments”.

•If you have this policy through your job, or a family member’s job, contact the employer.