Return to flip book view

YourBenefitsEffective January - December 2025External Staff

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 benefits begin on the first day of the monthfollowing 30 days of employment; this is youreffective date. Be sure to submit your selectionswithin your first 30 days of employment. Your benefit selections will be in effect throughDecember 31. When you're first eligible Open Enrollment is your one chance each year toreview your coverage options and make changesto your benefits.Your choices are in effect from March – Decemberof 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 eventYour benefit plans are in effect January 1 –December 31 each year. In general, there arethree times you can make benefit selections:Making benefit selectionsGetting startedEligibility Enrolling in coverageFor youYou are eligible for benefits as a full-timeemployee working at least 30 hours per week.Your Spouse or PartnerYou may also cover your eligible dependents whenyou elect coverage for yourself.Covering your familyDependent children are eligible:Medical, dental and vision: until age 26regardless of student or marital statusYou may cover your legal spouse or domesticpartner.Your childrenPayCor User Guide

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).How to handlemedical bills (4:46)Annual NoticesWe’re required to tell you about certainrights and responsibilities you have as anemployee of GTN Technical Staffing. You can request a paper copy at nocharge from:Enid Silva 1-214-996-9400 Ext 238 hr@teamgtn.comDownload 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, andwe want you to be prepared!Have questions? Your advocate is here to help youwith all things benefits. See theircontact information on the nextpage.

Medical InsuranceHealthPlans Inc.Group: 006 R24541-877-734-6692PharmacyTrueScriptsMember Services: 1-844-257-1955Pharmacy Help Desk: 1-855-326-2159www.truescripts.comTelehealthDoctors On Demand1-800-997-6196support@doctorondemand.comEmployee Assistance Program(EAP)UNUM1-800-854-1446 unum.com/lifebalance Dental InsuranceUNUM1-800-400-9304unumdentalcare.comVision InsuranceUNUM/EYEMED1-855-652-8686www.eyemedvisioncare.com/unumLife and AD&D InsuranceUNUM1-800-4445-0402www.Unum.com/Employees Disability InsuranceUNUM1-888-673-9940 www.Unum.com/Employees Contact informationGetting startedYour advocate, Karen Bagley, is here to help you with claims, ID cards,coverage questions, and more!1-214-420-9949 karen.bagley@onedigital.comMonday - Friday, 8am-5pm CSTBilingual (Spanish) assistance is available

In-network care$5,000 HDHP Plan$5,000 Co-Pay Plan$1,500 Co-Pay PlanNetwork name:United HealthCare Choice PlusUnited HealthCare Choice PlusUnited HealthCare Choice PlusAnnual Deductible (DED)Out-of-pocket maximum$5,000 per person $10,000 family max$5,000 per person $10,000 family max$5,000 per person $10,000 family max$6,000 per person $12,000 family max$1,500 per person $3,000 family max$3,000 per person $6,000 family maxPreventive carePrimary care visitSpecialist visitVirtual visit 100% coveredDED then you pay 0%DED then you pay 0%$1 copay (Telephonic Primary Care)100% covered$25 copay$25 copay$1 copay (Telephonic Primary Care)100% covered$25 copay$25 copay$1 copay (Telephonic Primary Care)Urgent careEmergency roomInpatient hospital careDED then you pay 0%DED then you pay 0%DED then you pay 0%$75 copayDED then you pay 0%DED then you pay 0%$75 copayDED then you pay 20%DED then you pay 20%Prescription drugsGeneric Preferred brand Non-preferred brandSpecialty(Retail | Mail)DED then you pay 0%DED then you pay 0%DED then you pay 0%DED then you pay 0%(Retail | Mail)$15 copay$35 copay$55 copayYou pay 20% up to $250(Retail | Mail)$15 copay$35 copay$55 copayYou pay 20% up to $250Out-of-network careAnnual deductible Out-of-pocket maximum Balance billing applies$8,300 / $16,600 $11,000 / $22,000Balance billing applies$8,300 / $16,600 $11,000 / $22,000Balance billing applies$2,500 / $5,000 $5,500 / $11,500Your cost for coverageEmployee onlyEmployee + SpouseEmployee + Child(ren)Employee + FamilyBi-weekly$42.56$221.22$197.56$426.09Weekly$21.28$110.61$98.78$213.04Bi-weekly$62.13$255.18$229.37$478.67Weekly$31.06$127.59$114.69$239.33Bi-weekly$108.46$327.69$283.85$613.85Weekly$54.23$163.85$141.92$306.92Medical insuranceSee plan detailsThe 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).Select from three medical options through HealthPlans Inc.See your plan documents for out-of-network benefits.Manage your plan online Find a provider onlineMental health supportSee plan detailsSee plan details

Access quality care in the convenience of your own home, on your lunchbreak, or on the way to your child’s soccer game! Whether it's a nagging cough, middle-of-the-night fever, or a suspicious-looking mole or rash — telehealth through Doctors On Demand is here whenyou need it. Connect with a board-certified physician 24 hours a day, 7 daysa week. 1-800-997-6196 support@doctorondemand.comYour cost per visit is only $1.Telehealth: virtual health care that fits your scheduleHow to registerTotal wellbeing:caring for all of youSupport for your health, finances, and life.There are five ingredients to wellbeing — each is just as important as the others:The recipe to living wellConnection to your passion, the reason you get out of bed every day.PurposeFeeling connected to where you live, work and play through activities such as volunteering and mentoring.CommunityThe 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.Social & EmotionalHealthy, supportive relationships with family, friends, and most importantly, yourself. Effectively managingfeelings and emotions and practicing healthy ways to manage stress and adapt to challengesPhysicalHaving good health and the energy to perform your job life outside of work, such as spending time with familyand friends, or participating in activities you enjoy. Think of physical wellbeing as nutrition, staying hydrated,getting rest, avoiding illness through vaccines, preventive screenings, and following doctors’ orders!The ability to effectively understand and plan for day-to-day expenses, short-term, and long-term goals, likepaying back student loans, saving for a house, sending children to college, retirement, or caring for agingfamily membersFinancialSee plan detailMental health care isessential health care.Managing work, family,relationships, and finances canbe tough. Our Employee AssistanceProgram (EAP) provides youand your family with no-cost,confidential assistance with allthings related to your life.24/7/365.

Employee AssistanceProgram (EAP)EAP features:Confidential. No one at GTN Technical Staffing will ever know youcalled or what was discussed.Available 24/7/365. Life doesn't happen during office hours. The EAP ishere when you need them.Family care is included. Anyone living in your home is eligible for EAPservices at no cost.Face-to-face visits. When needed, each person can receive up to 3face-to-face (or virtual) visits with a licensed counselor per issue peryear. At no cost. Additional visits - if needed - will go through yourhealth insurance.24/7/365 access to care. 1-800-854-1446 unum.com/lifebalanceThe 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.Our Employee Assistance Plan (EAP) is a confidential service with access toguidance and resources at no cost for: mental health concerns (including substance abuse or addiction),adoption, parenting, or caregiving needs,financial or legal support,familial relationships and friendships,coping with day-to-day challenges, andso much more.Essentially, if it's part of your life, our EAP is here for you.Access support online or over the phone. 24/7/365.Everyone needs support sometimes (even superheroes)Care for your mind – and your life – with support throughUNUM.Confidential care designed for all that life brings.See plan detail

Dental 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). Both 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 UNUM will pay each year for dental care (annualmaximum benefit), andwhether orthodontic care is covered.Select from two dental options through UNUM.Learn about dental care categoriesIn-network careDental Passive MACDental Passive PPONetwork name:UNUM Dental CareUNUM Dental CareAnnual Deductible(DED)$50 per person $150 family max$50 per person $150 family maxAnnual maximumbenefit$1,000 per person $1,500 per person Preventive care100% covered100% coveredBasic careDED then you pay 50%DED then you pay 20%Major careDED then you pay 70%DED then you pay 50%Orthodontic careCoverageLifetime maximum benefitNot coveredN/A50% covered (children to age 19)$1,500 lifetime max benefitYour cost for coverageEmployee onlyEmployee + SpouseEmployee + Child(ren)Employee + FamilyBi-weekly$6.64$14.04$15.18$19.91Weekly$3.32$7.02$7.59$9.95Bi-weekly$15.33$31.13$43.96$64.16Weekly$7.67$15.56$21.98$32.08See plan detailsPPO dental network

Vision 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.Your 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.You'll get an annual exam with coverage for lenses and frames, or contactsin lieu of glasses.Your vision coverage is through UNUM/EYEMED.UNUM Vision Powered by EYEMEDIn-networkNon-network(reimbursement)Annual eye exam (every 12 months)$10 copayUp to $40Materials copay(lenses & frames)$25 copayN/ALenses (every 12 months)Included in materials copayUp to $30 / $50 / $70 / $70Frames(every 24 months)$150 allowanceUp to $105 Contact lenses(every 12 months)Elective: $150 allowanceMed. nec: CoveredUp to $150Your cost for coverageEmployee onlyEmployee + SpouseEmployee + Child(ren)Employee + FamilyBi-weekly$2.44$4.88$5.48$8.55Weekly$1.22$2.44$2.74$4.28See plan detailsEyeMed vision insurance network

Basic lifeBasic AD&DGTN Technical Staffing provides$15,000$15,000See plan detailsFor youFor your spouseFor your child(ren)Coverageincrements$10,000$5,000$2,000Coveragemaximum5x your annualearnings to $500,000Your (employee)coverage amount to $500,000$10,000 (live birth to6 months: $1,000)Medicalquestion limit$100,000$25,000Does not applyYou may also purchase additional coverage for you, your spouse, and youreligible child(ren). Additional life and AD&D insuranceVol Life 24 pay periodsLife insurance pays a benefit if you pass away while you're covered.Accidental Death and Dismemberment (AD&D) insurance offers additionalsupport if you pass away or are seriously injured due to an accident.Financial peace of mind through UNUM.Life and AD&D insuranceWhat'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 bodilyfunctions (sight, limbs, etc.)Make sure to designate a beneficiary for your life insurance coverage to ensureyour family is cared for according to your wishes.Medical question limitWhen you’re first eligible (a newhire), you can purchaseadditional life insurance up tothis limit without any medicalquestions required. Medical questions and approvalwill be required for all futureincrease and purchase requests.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 insuranceGTN Technical Staffing provides life and AD&D insurance at no cost to you.Vol Life 26 pay periodsVol Life 52 pay periodsHow to file a claim or leave request

Benefits beginAfter 7 days of inability to work Coverage amount60% of your income up to $500 per weekPayments may continueUp to 12 weeks if you’re unable to return to workSTD 24 pay periodsPre-existing conditionlimitations If you make a disability claimwithin the first year of beingcovered, check your plan detailsto see how pre-existingcondition limitations mightimpact your coverage.Benefits beginAfter 90 days of inability to work (once short-termdisability ends)Coverage amount60% of your income up to $6,000 per monthPayments may continueUntil your Social Security Normal Retirement Age ifyou remain unable to work.Wish you knew moreabout finances? Nowyou can - at no cost!Disability insuranceThe 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.Protect your paycheck with disability insurance throughUNUM.Disability coverage insures your paycheck, replacing a portion of your incomeif you’re unable to work due to a covered illness or injury.Short-term disability coverage can replace part of your paycheck if you’re unableto work for a shorter period of time. This coverage is available for purchase.Voluntary Short-term disabilityLong-term disability coverage can provide lasting income protection if youremain unable to work. This coverage is available for purchase.Voluntary Long-term disabilitySTD 26 pay periodsSTD 52 pay periodsLTD 24 pay periodsLTD 26 pay periodsLTD 52 pay periods

2024 benefits