2025 Regional Consolidated Servi : simplebooklet.com

You must request a change to your benefitswithin 30 days of your life event (60 days forchanges involving Medicaid eligibility). Documentation may be required.Enroll nowYour benefit plans are in effect March 1 – February28 each year. In general, there are three times youcan make benefit selections:Making benefit selectionsGetting startedEligibility Enrolling in coverageFor youCovering your familyYou are eligible for benefits as a full-time employeeworking at least 30 hours per week.Covering your familyYou may also cover your eligible dependents whenyou elect coverage for yourself.You may cover your legal spouse.Dependent children are eligible:Medical, dental and vision: until age 26regardless of student or marital statusYour Spouse Your ChildrenYour benefits begin on the next day following 90days of fulltime employment; this is your effectivedate. Be sure to submit your selections within yourfirst 30 days of benefits eligibility.Your benefit selections will be in effect throughFebruary 28. When you're first eligible Open Enrollment is your one chance each year toreview your coverage options and make changes toyour benefits.Your choices are in effect from March – February 28of the following year unless you have a qualifyinglife event. At Open Enrollment Qualifying life events allow you to change yourcoverage during the year outside of OpenEnrollment. These include:marriage or divorce, birth or adoption, death of a covered dependent, and a change in eligibility through Medicare,Medicaid, or a spouse or parent's coverage. If you have a qualifying life event

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Balance billingWhen you use an out-of-networkmedical or dental provider, theymay bill you the difference betweenwhat they charge and the amountyour insurance pays.Medical: balance billing is inaddition to – and does not counttowards – your out-of-pocketmaximum.CoinsuranceAfter you’ve met your deductible,you’re sometimes responsible for apercentage of the cost of themedical care, dental care, orprescription medication youreceived. This percentage iscoinsurance.CopayA flat fee you pay each time youreceive a copay-eligible medical,dental, or vision service orprescription medication. DeductibleThe amount you’re responsible forpaying in care expenses before themedical or dental plan starts payingdeductible-eligible expenses.In-networkIn-network care is always yourlowest-cost option. Networks aregroups of medical, dental, andvision providers, pharmacies, andfacilities that agree to discount thecost of their care or service.Out-of-pocket maximumThe most you’ll pay for covered in-network medical care in a year. Thisincludes your deductible, anycoinsurance or copays, andprescription drugs. The out-of-pocket maximum doesnot include your premium (theamount you pay for coverage), non-covered expenses, or out-of-network care that’s been balancebilled.Primary care physicianA primary care physician (PCP) isyour main medical doctor – usuallya general practitioner (GP), familydoctor, internist, OB/GYN, orpediatrician (for children).Referral/pre-authorizationSome specialty medical providersand services require a referral froma primary doctor. These may include- but are not limited to -cardiology, psychiatry, orthopedicsurgeons, rheumatology, surgery,and imaging (CT or MRI).Have questions? Your advocate is here to help youwith all things benefits. See theircontact information on the nextpage.How to handle medicalbills (4:46)Annual NoticesWe’re required to tell you about certainrights and responsibilities you have as anemployee of Regional ConsolidatedServices. You can request a paper copy at nocharge from:Courtney PedigoCPedigo@regionalcs.orgAnnual Notice Download nowHelpful terms & resourcesGetting startedWe've removed as much jargon as possible.But you’ll probably still encounter some terms as you enroll in and use your benefits, and wewant you to be prepared!UHC Section 1557 Nondiscrimination NoticeDownload now

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In-network carePPO planNetwork name:DRPC (Open Access Direct) RX: G26YAnnual Deductible (DED)Out-of-pocket maximum$3,500 per person $7,000 family max$7,500 per person $15,000 family maxPre-tax account availabilityPre TaxPreventive carePrimary care visitSpecialist visitVirtual visit100% covered$25 copay$75 copay$0 copayUrgent careEmergency roomInpatient hospital care$50 copayDED then you pay 20%DED then you pay 20%Prescription drugsTier 1Tier 2Tier 3Tier 4(30 days) (EssSMCS PDL) SS-Walgreens$10 copay $40 copay $140 copay$300 copay Out-of-network careAnnual deductible Out-of-pocket maximum Balance billing applies$7,000/ $14,000 $15,000/ $30,000Your cost for coverageEmployee onlyEmployee + SpouseEmployee + Child(ren)Employee + FamilyPer paycheck (21 Pay)$ 61.90$646.50$446.41$829.35Per paycheck (22 Pay)$ 59.09$617.12$426.12$791.66Per paycheck (26 Pay)$ 50.00$522.18$360.56$669.86Medical insuranceThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Finalrates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.All plans cover in-network preventive care at 100%, prescription drugs, andinclude an annual limit on your expenses. The differences are: what you pay for the plan, what you pay when you get care, how out-of-network care is covered, andyour annual maximum cost for care (out-of-pocket maximum).Medical option through UHC.For out-of-network benefits, refer to your plan documents.See plan details

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In-network careX4879Network name:DPPO/UHCAnnual Deductible (DED)$50 per person $150 family maxAnnual maximum benefit$1,000 per person Preventive care100% coveredBasic care/Endo/Perio/OralDED then you pay 20%Majorcare/Inlays/Onlays/CrownsDentures and other RemovableProstheticsFixed PartialDentures(Bridges)/ImplantServicesDED then you pay 50%Orthodontic careCoverageNot coveredYour cost for coverageEmployee onlyEmployee + SpouseEmployee + Child(ren)Employee + FamilyPer paycheck (21 Pay)$ 20.39$ 40.78$ 45.70$ 69.46Per paycheck (22 Pay)$ 19.46$ 38.92$ 43.62$ 66.30Per paycheck (26 Pay)$ 16.47$ 32.94$ 36.91$ 56.10Dental insuranceThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Finalrates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.Stay in-network to avoid balance billing (the difference between what an out-of-network provider charges and the amount your insurance pays). All plans cover in-network preventive care at 100%. The differences are: what you pay for the plan, what you pay when you get care, the maximum amount UHC will pay each year for dental care (annualmaximum benefit), andwhether orthodontic care is covered.Dental option through UHC.* This plan includes a maximum benefit award program. Some of the unused portion of your annual maximum benefit may be available in future benefit periods.** Your dental plan provides that where two or more professionally acceptable dental treatments for a dental condition exist, your plan bases reimbursement on the leastcostly treatment alternative. If you and your dentist have agreed on a treatment which is more costly than the treatment on which the plan benefit is based, you will beresponsible for the difference between the fee for service rendered and the fee covered by the plan. In addition, a pre-treatment estimate is recommended for any serviceestimated to cost over $500; please consult your dentist.*** The network percentage of benefits is based on the discounted fee negotiated with the provider.**** The non-network percentage of benefits is based on the schedule of usual and customary fees in the geographic area in which the expenses are incurred.See plan details

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In-network careNetwork name:UnitedHealthcare Vision NetworkAnnual eye exam(every 12 months)$10 copayMaterials copay(lenses & frames)$25 copayLenses (every 12months)Lens fitting$40 copayFrames(every 24 months)$130 allowanceContact lenses(every 12 months)Elective: $125 allowanceMedically nec: 100% coveredYour cost forcoverageEmployee onlyEmployee + SpouseEmployee + Child(ren)Employee + FamilyPer paycheck (21 pay)$ 3.68$ 6.99$ 8.20$ 11.54Per paycheck (22 pay)$ 3.51$ 6.67$ 7.83$ 11.01Per paycheck (26 Pay)$ 2.97$ 5.64$ 6.62$ 9.32Vision insuranceYour vision plan covers either glasses (lenses and frames) or contact lenses each year. If you receive contact lenses, they will be instead of your glasses benefit.All plans cover annual exams, lenses and frames, or contacts in lieu of glasses.The differences are:what you pay for the plan, what you pay when you get care, andthe materials allowance (how much the plan will pay) for frames or contactlenses.Vision option through UHC.The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Finalrates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.Vision BenefitSummaryPowered byUnitedHealthcareVision NetworkCustomer Service andProvider Locator: (800) 638-3120myuhcvision.comSee plan details

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Basic lifeBasic AD&DRegional Consolidated Services provides$25,000$25,000See plan detailsWhat's AD&D?Accidental death anddismemberment (AD&D)insurance may pay:your beneficiary if you passaway due to an accidentyou a partial benefit if youlose specified bodily functions(sight, limbs, etc.)Life insurance pays a benefit if you pass away while you're covered. AccidentalDeath and Dismemberment (AD&D) insurance offers additional support if youpass away or are seriously injured due to an accident.Financial peace of mind through UHC.Life and AD&D insuranceMake sure to designate a beneficiary for your life insurance coverage toensure your family is cared for according to your wishes.The benefit plan information shown in this guide is illustrative only. To the extent the benefit plan information summarized herein differs from the underlyingplan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlyinginsurance documents will govern in all cases.Basic Life and AD&D insuranceRegional Consolidated Services provides Life and AD&D insurance at no cost toyou.

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Quit For Life*EAPSubstance AbuseHealthy PregnancyProgramRally® (2–100)Real Appeal®Virtual Visits*A clinically proven tobaccocessation program offered incollaboration with theAmerican Cancer Society.Contact a your Agent's officeor call the Advocate numberon the back of your ID card tolearn more.Designed to help members makechanges to their daily routine, setsmart goals and track progress.Participants get personalizedrecommendations to help themmove more, eat better and improvetheir health.Employee Assistance Program:Connects members to wellness, financial, legal or counseling resources anytime, day or night.Hotline: makes it as easy aspossible for our members toaccess the services they or theirloved ones may need.Provides expectant mothers withnurse support and more at noextra charge, as part of yourhealth plan.Helps people make smallchanges necessary for larger,long-term weight loss results.Members can see a doctor any time24/7 for things like allergies, UTI,Cold, Flu, Migraine & sinus infections,to name a few. Go to myuhc.com toaccess Teledoc and see below for other virtual providers.www.doctorondemand.com www.amwell.comInsurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates. Administrative services provided by United HealthCare Services, Inc. or their affiliates. Health plan coverage provided by or through UnitedHealthcare of Florida, Inc. andNeighborhood Health Partnership, Inc. Facebook.com/UnitedHealthcare Twitter.com/UHC Instagram.com/UnitedHealthcare YouTube.com/UnitedHealthcareMT-1166943.0 2/18 ©2018 United HealthCare Services, Inc. 18-7158*Applicable copays or charges apply. See plan documents for details.or download the app:Mobile Apps: Access all of the followingprograms at the number orwebsite listed or on www.myuhc.comDoctor onDemand AmwellUnitedHealthcare Healthy PregnancyRally HealthReal AppealEmployer Registration site: engage.realappeal.comEmployee Registration site: join.realappeal.comGet started on myuhc.com888-887-4114855-780-5955877-201-5328*Not available on all plans. Call Member Services to confirm eligibilityStart Healthier Welcome to the power ofbetter health at work.Introducing a package of health and wellnessprograms designed for businesses like yours.Give your employees the support they need to improvetheir health, boost business results and lower costs. Download the Unitedhealthcare App today!Mobile App: Mobile App:

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Premium Care PhysiciansBehavioral health providersVirtual Visits Urgent care facilitiesCare Cash is designed to give employees:$200 for the year for individual coverage, or $500 for family coverageThe card is reloadable, with any remaining balance rolling over each year.*Studies show that 72% of consumers are concerned about health care andout-of-pocket expenses.¹ To help employees pay for certain health care costsand encourage them to use quality care, we offer Care Cash™. This preloadeddebit card can be used for UnitedHealth Premium® primary care and specialistprovider visits, as well as network primary care provider visits, Virtual Visits,urgent care visits and outpatient behavioral health visits.Member Care |of consumers aren’t engaged in theirhealth plan, which may result in lostopportunities for better health andlower costs³ Care CashHelping employees pay forhealth care and make moreinformed care decisionsSpending powerCare Cash most-used benefits21st2nd3rd4th 43%

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Get in onUHC RewardsGood news — your health plan comes with a new way to earn up to $300.UnitedHealthcare Rewards is included in your health plan at no additional cost.There’s so much good to getWith UHC Rewards, a variety of actions — including many thingsyou may already be doing — lead to rewards. The activities you gofor are up to you — same goes for ways to spend your earnings.Here are some ways you can earn:Reach daily goals• Track 5,000 steps or 15 active minutes each day, or double it for an even bigger reward• Track 14 nights of sleep Earn up to $300There are 2 ways to get startedOn the UnitedHealthcare® app On myuhc.com®• Scan this code to download the app • Sign in or register• Select the Menu tab and choose UHC Rewards •Activate UHC Rewards and start earning• Though not required, connect a tracker and get access to even more reward activities • Sign in or register• Select UHC Rewards• Activate UHC Rewards• Choose reward activities that inspire you — and start earningGet in on an experiencethat’s designed to helpinspire healthier habitsPersonalize how you earnby choosing the activitiesthat are right for youEarn up to $300and use it howeveryou wantYour healthYour goals Your rewardsComplete one-time reward activities• Go paperless• Get a biometric screening• Take a health survey• Connect a tracker Personalize your experience by selecting activities that are right for you — and look for new ways of earning rewards to be added throughout the year.

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Talk to your doctor If something confuses you, ask questions. When your doctor prescribes a medication, ask if this is the mostcost-effective option.If your doctor recommends a procedure or test, ask if it is trulynecessary or what other options may be.Do your research Call around to facilities in your area. Be assertive with yourquestions about price, and take good notes to make comparisons. www.healthgrades.com - This site provides physician and hospitalquality data, plus cost information for a variety of medicalprocedures. www.newchoicehealth.com - Find estimated costs for variousprocedures by region or provider. Plus, request a procedure pricequote from local providers.

2025 Regional Consolidated Servi

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