Return to flip book view

Your BenefitsEffective July 1st, 2024 - May 31st, 2025

You must request a change to your benefitswithin 30 days of your life event (60 days forchanges involving Medicaid eligibility orbirth/adoption of a child). Documentation may be required.Enroll now 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 Open Enrollment is your one chance each year toreview your coverage options and make changes toyour benefits.Your choices are in effect from July 1st, 2024 –May 31st, 2025, unless you have a qualifying lifeevent. At Open EnrollmentFor youYou are eligible for benefits as a full-timeemployee working at least 30 hours per week.Your Spouse Your benefit plans are in effect July 1st, 2024 –May 31st, 2025. In general, there are three timesyou can make benefit selections:Making benefit selectionsGetting startedEligibility Enrolling in coverageYour benefits begin on the first day of the monthfollowing 30 days of employment; this is youreffective date. Your benefit selections will be in effect throughMay 31st, 2025. When you're first eligibleCovering your familyYou may also cover your eligible dependents whenyou elect coverage for yourself.Dependent children are eligible:Medical, dental and vision: until age 26regardless of student or marital statusChild life insurance: until age 21, or 26 if a full-time studentYour ChildrenYou may cover your legal spouse or domesticpartners.*Portal opens on June 3rd, 2024

SCHEDULE YOUR APPOINTMENT NOW!OPEN ENROLLMENTJune 3rd -June 7thStep 2:Scan the QR code or visithttps://go-enroll.com/orangeboxoe/ to schedule yourappointment with a Benefits Counselor.Step 3:During your meeting with the Benefits Counselor, you willreview your all benefits available to you and make yourelections for the 2024-2025 plan year.How to Enroll:Step 1:All benefit eligible employees are stronglyencouraged to speak with a Benefits Counselorto make their benefit elections via Call Center.Review your available benefits atview.onedigital.com/obe20242025benefitguidenorates.https://go-enroll.com/orangeboxoe/844-63-3MPWR (6797)The Benefit Counselors will ensure that all of your personal information and benefit elections are captured and correct for the upcoming plan year that will begin on July 1st.

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 in additionto – and does not count towards –your out-of-pocket maximum.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 does notinclude your premium (the amount youpay for coverage), non-coveredexpenses, or out-of-network carethat’s been balance billed.Primary care physicianA primary care physician (PCP) isyour main medical doctor – usually ageneral 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, orthopedic surgeons,rheumatology, surgery, and imaging(CT or MRI).How to handle medicalbills (4:46)Annual NoticesWe’re required to tell you about certainrights and responsibilities you have as anemployee of Odevo, US CO OP, LLCYou can request a paper copy at nocharge from:Suzette Diaz1-954-358-457113794 NW 4th Street, #208Sunrise, FL 33325Download nowHelpful terms & resourcesGetting startedYou will probably encounter some terms as you enroll in and useyour benefits, and we want you to be prepared!

In-network careHDHP BronzeHMO SilverNetwork name:UHC Choice PlusUHC Choice PlusAnnual Deductible (DED)Out-of-pocket maximum$7,050 per person $14,100 family max$7,050 per person $14,100 family max$7,900 per person $15,800 family max$7,900 per person $15,800 family maxPre-tax account availabilityHealth Savings Account (HSA)N/APreventive carePrimary care visitSpecialist visit100% coveredDED then you pay 0%DED then you pay 0%100% covered100% covered$60 copayUrgent careEmergency roomInpatient hospital careDED then you pay 0%DED then you pay 0%DED then you pay 0%$60 copayDED then you pay 0%DED then you pay 0%Prescription drugsPrescription Deductible (DED)Tier 1 Tier 2Tier 3Tier 4 (30 days)(31 days/90 days)Combined with medicalDED then you pay 0%DED then you pay 0%DED then you pay 0%DED then you pay 0%(31 days/90 days)$250 individual / $500 familyDED then: $10/$30 | $25DED then: $50/$150 | $125DED then: $100/$300 | $250DED then you pay 50% up to $250Your cost for coverageEmployee onlyEmployee + SpouseEmployee + Child(ren)Employee + FamilySemi-Monthly $64.99$384.48$265.24$541.98 Semi-Monthly$108.80$485.24$346.28$664.65See plan detailsSee 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.Medical insuranceBoth plans cover in-network preventive care at 100%,prescription drugs, and include an annual limit on yourexpenses. 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-pocketmaximum).Select from four medical options through UMR.See more plans on the next page.

In-network careHMO+HRA GoldPPO PlatimunNetwork name:UHC Choice PlusUHC Choice PlusAnnual Deductible (DED)Out-of-pocket maximum$2,900 - $7,900 per person $5,800 - $15,800 family max$7,900 per person $15,800 family max$3,000 per person $6,000 family max$7,900 per person $15,800 family maxPre-tax account availabilityHealth Reimbursement Arrangement (HRA)N/APreventive carePrimary care visitSpecialist visit100% covered100% covered$60 copay100% covered100% covered$45 copayUrgent careEmergency roomInpatient hospital care$60 copay$500 up to Deductible$3,000 up to Deductible$60 copayDED then $200 copayDED then $250 copay/day up to 5 daysPrescription drugsPrescription Deductible (DED)Tier 1 Tier 2Tier 3Tier 4 (30 days)(31 days/90 days | 90 days)$250 individual / $500 familyDED then: $10/$30 | $25DED then: $50/$150 | $125DED then: $100/$300 | $250DED then you pay 50% up to $250(31 days/90 days | 90 days)N/A$10/$30 | $25$40/$120 | $100$75/$225 | $187.50You pay 50% up to $250Out-of-network careAnnual deductible Out-of-pocket maximum Not coveredNot covered$10,000 / $20,000 $10,500 / $20,500Your cost for coverageEmployee onlyEmployee + SpouseEmployee + Child(ren)Employee + FamilySemi-Monthly$153.62$588.32$429.19$790.13Semi-Monthly$226.79$756.62$564.57$995.02See plan detailsSee 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.See your plan details for out-of-network benefits.Medical insuranceBoth plans cover in-network preventive care at 100%,prescription drugs, and include an annual limit on yourexpenses. 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-pocketmaximum).Select from four medical options through UMR.Save onprescription

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.Wellness InitiativeProgramVoluntarily participate in the WellnessHealth Screening Initiative to continuereceiving a reduced medical rate for planyear 2025- 2026. Wellness Form

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.Rightway Healthcare

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.Learn how HSAs canhelp you save fortoday and tomorrow.If you coveryourself onlyIf you coverdependents2024 IRS maximumcontribution $4,150$8,300You may contribute tax-free funds to save forcurrent and future health expenses - andretirement!Health SavingsAccount (HSA)55 or older? You can contribute an extra $1,000per year in catch-up contributions.ContributionsHSA funds Using your moneySpend your HSA balance on health care expenses(medical, prescription, dental, and vision) for youand your tax dependents, ORLet your balance grow for retirement.The money in your HSA is always yours and available forqualified health care expenses - even if you change jobsor health plans. Before retirement, any funds used fornon-healthcare expenses are subject to tax penalties.Keep your receipts!Growing your money + tax savingsHSA dollars go in tax-free, grow tax-free, and come outtax-free when you use them for qualified healthexpenses. You may also be able to invest part of yourbalance once it meets a certain level.In retirementAt age 65, you can withdraw the funds in your HSA forany use (not just health care!) without tax penalties. EligibilityIn order to make – or receive – contributions to aHealth Savings Account (HSA), you must:be enrolled in a qualified High DeductibleHealth Plan (HDHP),not be covered under any other non-HDHPhealth coverage, including a full health careFSA through your spouse,not be anyone else’s tax dependent, and not be enrolled in Medicare A or B, Tricare, orVA benefits.An HSA through Optum Bank is paired witha High Deductible Health Plan (HDHP).Save pre-tax money for health care expenses – orretirement!

If you cover yourself onlyIf you cover dependentsOrange Box Enterprisescontributes:Inpatient: $3,000Outpatient: $1,500Emergency Room: $500Inpatient: $6,000Outpatient: $3,000Emergency Room: $1,000 Health ReimbursementArrangement (HRA)Health care dollars from Orange Box Enterprises.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.ContributionsWhen you enroll in the HRA medical plan, Orange Box Enterprisesautomatically sets aside money to help you and your covered dependentspay for qualifying health care expenses.Pay for eligible health care expenses with an HRA - fundedby Orange Box Enterprises.You can use your HRA dollars for medical for you and your covereddependents. Eligible expensesUsing your fundsHRA is a benefit of the Gold HMO+HRA Plan. The benefit offersreimbursements for out-of-pocket expenses for Inpatient, OutpatientServices and ER Visits. See more details

Access quality care in the convenience of your own home, on yourlunch break, or on the way to your child’s soccer game! Whether it's a nagging cough, middle-of-the-night fever, or asuspicious-looking mole or rash — telehealth through Telehealth ishere when you need it. Connect with a board-certified physician 24hours a day, 7 days a week.Your cost per visit depends on your medical plan:Telehealth: virtual health care that fits your scheduleTotal 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 aging familymembersFinancialManaging work, family,relationships, and finances canbe tough. Our Employee AssistanceProgram (EAP) provides you andyour family with no-cost,confidential assistance with allthings related to your life.24/7/365.Mental health care isessential health care.

24/7/365 access to care. 1-888-628-4824https://www.guidanceresources.comEmployee AssistanceProgram (EAP)EAP features:Confidential. No one at Orange Box Enterprises will ever knowyou called or what was discussed.Available 24/7/365. Life doesn't happen during office hours.The EAP is here when you need them.Family care is included. Anyone living in your home is eligible forEAP services at no cost.Face-to-face visits. When needed, each person can receiveface-to-face (or virtual) visits with a licensed counselor per issueper year. At no cost. Additional visits - if needed - will gothrough your health insurance.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.Our Employee Assistance Plan (EAP) is a confidential service withaccess to guidance 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 through live chat or over the phone. 24/7/365.Everyone needs support sometimes (even superheroes)Care for your mind – and your life – with supportthrough Lincoln.Confidential care designed for all that life brings.Boosting yourWellbeing

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.Dental insuranceBoth 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 Lincoln will pay each yearfor dental care (annual maximum benefit), andwhether orthodontic care is covered.Select from two dental options through Lincoln.DHMODPPONetwork name:Dental Connect Plan LDCS200BDental Connect PPO PlanIn-networkIn-networkOut-of-networkAnnual Deductible (DED)$0 per person $0 family max$50 per person $150 family max$50 per person $150 family maxAnnual maximum benefitUnlimited$1,000 per person $1,000 per person Preventive careSee plan schedule100% coveredBasic careSee plan scheduleDED then you pay 20%DED then you pay 20%Major careSee plan scheduleDED then you pay 50%DED then you pay 50%Orthodontic careCoverageLifetime max benefitSee plan scheduleNot coveredN/AYour cost for coverageEmployee onlyEmployee + SpouseEmployee + Child(ren)Employee + FamilySemi-Monthly$7.69$13.46$16.67$21.16Semi-Monthly$12.82$26.52$28.08$41.78DHMO Cover PageBenefits SummaryStay in-network to avoid balance billing (the difference between what an out-of-network provider charges and the amount your insurance pays). Learn about dental care categoriesDHMO Schedule of Benefits4 Ways to save onDental cost

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.In-network careVision Spectera NetworkNetwork name:SpecteraAnnual eye exam (every 12 months)$10 copayMaterials copay(lenses & frames)$10 copayLenses (every 12 months)Included in materials copayFrames(every 24 months)$130 allowance, 30% off discountContact lenses(every 12 months)Elective: $125 allowanceMed. necessary: 100% covered after $10 copayYour cost for coverageEmployee onlyEmployee + SpouseEmployee + Child(ren)Employee + FamilySemi-Monthly$3.58$6.78$7.96$11.19Benefits SummaryYour vision coverage is through Lincoln.You'll get an annual exam with coverage for lensesand frames, or contacts in lieu of glasses.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 insurance

For youFor your spouseFor your child(ren)Coverageincrements$25,000$5,000N/ACoveragemaximum$150,00050% of your (employee)coverage amount to $50,000$10,000(Under 6 months:$250)Medical question limit $150,000$50,000Does not applyYou may also purchase additional coverage for you, your spouse, and your eligiblechild(ren). Additional life and AD&D insuranceLife insurance pays a benefit if you pass away while you'recovered. Accidental Death and Dismemberment (AD&D) insuranceoffers additional support if you pass away or are seriouslyinjured due to an accident.Financial peace of mind through Lincoln.Life and AD&DinsuranceWhat's AD&D?Accidental death anddismemberment (AD&D) insurancemay pay:your beneficiary if you passaway due to an accidentyou a partial benefit if you losespecified bodily functions(sight, limbs, etc.)Medical question limitWhen you’re first eligible (a newhire), you can purchase lifeinsurance up to this limit withoutany medical questions required. Medical questions (EOI Form) andapproval will be required for allfuture increase and purchaserequests.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.Benefits Summary

Benefits beginAfter 14 days of inability to work Coverage amount60% of your income up to $2,000 per weekPayments may continueUp to 13 weeks if you’re unable to return to workShort-term disability coverage can replace part of your paycheck if you’reunable to work for a shorter period of time. Short-term disabilityLong-term disability coverage can provide lasting income protection if you remainunable to work. Long-term disabilityPre-existing condition limitations If you make a disability claim within thefirst year of being covered, check yourplan details to see how pre-existingcondition limitations might impact yourcoverage.Benefits beginAfter 90 days of inability to work (once short-termdisability ends)Coverage amount60% of your income up to $10,000 per monthPayments may continueBased on your disabled ageWish 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 insurancethrough Lincoln.Disability coverage insures your paycheck, replacing aportion of your income if you’re unable to work due to acovered illness or injury.Benefits SummaryEmployeeSee plan details Disability Plans101

Hospital Indemnity coverage through Aflac pays you acash benefit to help with your expenses - yourdeductible or copays, transportation, groceries andmore - if you or a covered family member is admitted tothe hospital. The money is yours to use as you choose.Hospital indemnityIdentity theft protection through IdentityWorks helpsmonitor your credit and personal information online.You can buy coverage for yourself, your spouse and/oryour child(ren).Accident coverage through Aflac pays you a cash benefitto help with your expenses –your deductible or copays,transportation, groceries and more – if you or a coveredfamily member is injured due to an accident. The moneyis yours to use as you choose.Accident coverageCritical illness coverage through Aflac pays you a cashbenefit to help with your expenses– your deductible orcopays, transportation, groceries and more – if you or acovered family member is diagnosed with a coveredcritical illness. The money is yours to use as you choose.Critical illnessPre-paid legal care through Preferred Legal Plan canprovide you with legal advice and consultation aboutvarious topics at no added cost. Available topics includewills and estate planning, money and finances, driving ortraffic matters and more.See plan detailsHospital High $3kSee plan detailsSee plan detailsAdditional benefit plans are a great way tocustomize your benefits package.Additional benefitoptionsThe 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.Hospital Low $2kPreferred Legal & Identity TheftSee plan details

See plan detailsSee plan detailsSee plan detailsLife KeysFuneral PrepTravel ConnectAdditional benefit plans are a great way to customizeyour benefits package.Additional benefitoptionsThe 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.Helps manage and arrange all details after aloved one’s death. Assists with pre-planningalso. Travel assistance program when traveling 100or more miles away from home. Thisemergency service can arrange and facilitatemedical care, medical referrals, emergencymedical evacuation, help refill lost, stolen ordepleted prescription drugs, assist withlost/delayed luggage and much more.Save money on shopping andentertainment.

Rightway HealthcareHealthcare & Pharmacy AssistanceReach out to Rightway for all yourmedical/dental/vision & pharmacyneeds!1-888-665-1678www.rightwayhealthcare.comMedical insuranceUMR (Group # 76413500)1-800-826-9781www.umr.comHealth Savings Account (HSA)Optum Bank1-866-234-8913www.optumbank.comHealth Reimbursement Arrangement (HRA)Sentinel Group1-888-762-8088www.sentinelgroup.comEmployee Assistance Program (EAP)Lincoln Financial Group1-888-628-4824www.guidanceresources.comDental insuranceLincoln Financial Group1-800-423-2765www.lfg.comVision insuranceLincoln Financial Group1-800-423-2765www.lfg.comLife and AD&D insuranceLincoln Financial Group1-800-423-2765www.lfg.comDisability insuranceLincoln Financial Group1-800-423-2765www.lfg.comAccident, Critical illness, HospitalindemnityAflac 1-800-433-3036www.aflacgroupinsurance.comAdditional benefit options - IdentitytheftIdentityWorks1-888-577-3476www.preferredlegal.comAdditional benefit options - LegalplanPreferred Legal Plan1-888-577-3476www.preferredlegal.comVital InciteWellness Form1-317-660-4250admin@vitalincite.comContact informationGetting started

2024-2025 benefits