Health Insurance & Health Savings Account
We want to help you with your health so you can help others with their health. So, we offer three health plans via Anthem Blue Cross Blue Shield – a PPO and two High Deductible Health Plans (HDHP) now called Smart Choice Plan with a Health Savings Account (HSA). That’s a lot of letters… trust us we know. Essentially, we provide health insurance with pre-tax dollars and the opportunity to receive coverage for FREE when you earn the Wellness Rate. Plans include free preventive care, maternity support, disease management, health coaching, virtual visits and 24-hour nurse line. Here’s the breakdown.
|Health Plan: Smart Choice Plan|
|Employee Costs and Employer HSA Contributions|
|Average Responses by Plan Type:||THS - Smart Choice Plan||Employer #1||Employer #2||Peer Group|
|Employee Monthly Contributions|
|Employee Only Wellness||$0||$71||$76||$109|
|Employee Only Non-Wellness||$110|
|Employee + Children Wellness||$110||$276||$459||$310|
|Employee + Children Non-Wellness||$220|
|Employer HSA Contribution: Annual|
|Individual||Up to $500||$500||$2,000||$500|
|Family||Up to $1200||$900||$3,000||$800|
|Employer Match: Annual|
|Employee Only||Up to $300||$0||$0||$0|
|Employee + Children||Up to $300||$0||$0||$0|
Enroll in the Smart Choice Plan and open an HSA to receive contributions from Trilogy. Trilogy matches 100% of employee contributions up to $300 per plan year and makes weekly contributions. Your contributions are made through payroll deductions with pre-tax dollars. Interest earned is tax free and you can make tax free withdrawals for qualified health expenses. You own the money in your account and your balance is carried over year after year.
All full-time employees working 30+ hours per week are eligible for medical coverage. We offer three options through Anthem Blue Cross Blue Shield; (1) The Traditional PPO Plan, (2) The Smart Choice Plan (3) Spouse/ Family Plan.
The Traditional PPO Plan (Preferred Provider Organization - PPO)
|Employee Only||Employee + Child(ren)|
|Out of Pocket Max:||$7,900||$15,800|
|Primary Physician:||$10 copay||$10 copay|
|Specialist:||$55 copay||$55 copay|
|Premium Wellness Rate:||$40.50||$77.55|
|Premium Standard Rate:||$68||$105.05|
The Smart Choice Plan with HSA
|Employee Only||Employee + Child(ren)|
|Out of Pocket Max:||$5,300||$7,950|
|Primary Physician:||Deductible then 10%|
|Specialist:||Deductible then 10%|
|Premium Wellness Rate:||FREE||$27.50|
|Premium Standard Rate:||$27.50||$55|
Spouse/ Family Plan
|Employee + Spouse||Family|
|Out of Pocket Max:||$6,750||$13,500|
|Primary Physician:||Deductible then 20%||Deductible then 20%|
|Specialist:||Deductible then 20%||Deductible then 20%|
|Premium Wellness Rate:||$108||$135.50|
|Premium Standard Rate:||$135.50||$163|
Flexible Spending Accounts
Employees who elect the PPO plan may enroll in the Healthcare Flexible Spending Account (FSA), or the FSA may be elected as a stand-alone benefit if you are not enrolled in Trilogy’s health insurance. The money is withheld from your regular paycheck pre-tax and deposited into your account. The maximum annual contribution is $2,750 for 2020. With a Healthcare FSA, you can use tax-free dollars in your account for reimbursement of eligible medical, dental, and vision expenses for you and your dependents. Any unused funds are forfeited. The FSA website is: www.MyFlexOnline.com. For more information call The call Benefit Marketing Solutions (BMS) at 1-800-919-2674 or visit www.bmsllc.net.
As a Delta Dental of Kentucky member, you can see any licensed dentist and receive discounts for using a Delta Dental Premier dentist. For a complete list of Delta Dental PPO or Premier providers, contact Delta Dental of Kentucky at 1-800-955-2030, visit www.deltadentalky.com, or download the mobile app through the App Store (Apple) or Google Play (Android) and search for Delta Dental.
Anthem Blue View Vision offers its vision program through a national network including both private practice and retail chain providers. To access the Provider Locator service, visit Anthem.com or call 1-866-723-0515. You may also view your benefits, search for a provider or print an ID card online at Anthem.com
DirectPath Advocates can help you navigate the healthcare system and Trilogy benefits. DirectPath is your single source for advocacy, transparency, benefit education and enrollment assistance, as well as support for the Health Insurance Individual Marketplace and Medicaid. DirectPath is completely confidential and is FREE to you and your dependents, spouse, parents and parents-in-law. For more information visit: www.directpathhealth.com or call 877-548-7714.
Trilogy Employee HSA Calculator
At Trilogy, our goal is to provide you with information to make the best choice for your health. This tool helps you better understand how you can take full advantage of the benefits of our Smart Choice Plan, Spouse/ Family Plan and the Traditional PPO Plan, including the funds Trilogy contributes to your HSA account.
401(k) Savings Program
The Trilogy 401(k) Retirement Savings Plan is administered by Fidelity Investments with Financial Advisement from Merrill Lynch Bank of America. You can save state and federal income taxes on your contributions to the 401(k) plan. The 401(k) plan has pre-tax and Roth contribution options. Your pre-tax contributions and earnings are tax-deferred until you take a distribution. You are eligible to contribute the first of the month following 60 days of employment and age 21. Trilogy will match $0.25 on every $1.00 an employee contributes up to 10% of their weekly pay.
For assistance with your 401(k) account, log in to www.401k.com or call Fidelity at 800-835-5097.
All active employees working 15+ hours per week are eligible to enroll in short-term and or long-term disability coverage. Pre-existing conditions apply.
Short-term disability is designed to provide you with continuing weekly income while you are out of work due to a non-work related illness or accident, including pregnancy. Benefits begin following a 14 calendar day waiting period from your first date of absence related to the disability. Short-term disability insurance provides a benefit amount of 60% of your weekly pre-disability earnings, up to a weekly maximum benefit of $750, for as long as you remain disabled up to 24 weeks.
Long-Term Disability pays a benefit of 60% of your monthly income up to a maximum of $10,000. Benefits begin on the 181st calendar day of absence and may last for five years for accident/sickness
Basic Life Insurance
Trilogy offers Basic Term Life Insurance and AD&D for full-time employees through MetLife at no cost.
Voluntary Life Insurance (Self)
Trilogy offers voluntary life insurance in multiples of one to five times your annual salary up to a maximum of $250,000 of coverage (if approved).
Voluntary Life Insurance (Spouse and Dependent Children)
If you purchase voluntary life insurance for yourself, you may also purchase voluntary life for your spouse and/or dependent children. Spouse voluntary life benefits can be purchased up to 50% of your voluntary term life benefit, to a maximum of $50,000 or a flat $10,000 for your dependent child(ren).
BeWell Employee Assistance Program
Whether you need guidance and support during major life events or expert help with life’s day-to-day challenges; Work-Life Service specialists do the busy work, freeing you up to focus on other things, or just relax and recharge. Assistance is available when you need it – 24 hours a day, 7 days a week, 365 days a year. Contact Magellan for more information at: 800-424-4039 or www.magellanascend.com.
Voluntary & Other Benefits
During periods of escalated fuel costs, the company may provide a bonus to full-time and part-time employees with at least six months of employment!
Trilogy Perks offers local and national discounts, cash-back comparison shopping, hotels, restaurants, movie theaters, theme parks, and more. Employees can also visit trilogyperks.employeediscounts.co/perks to access the website directly.
Tuition Reimbursement Program
Trilogy provides full-time employee’s tuition assistance during employee’s pursuit of education related to their job in order to expand their education, achieve higher levels of personal fulfillment, and increase job satisfaction.
Auto / Home /Pet Insurance
Choose from a variety of insurance policies to meet your coverage needs, including home, boat, condo, motor home and recreational vehicle, and renter’s insurance. You may apply for auto and home insurance through this group program at any time by calling 1-800 GET-MET8 (1-800-4386388) or by visiting www.metlife.com. VPI® Pet Insurance Benefits include treatments related to accidents and illnesses, including cancer. A Veterinary Pet Insurance (VPI)/NCC policy covers diagnostic tests, X-rays, prescriptions, hospitalization, and more. You can enroll for coverage at any time – just call 1-800-GET-MET8 (1-800-438-6388) or visit www.metlife.com.
Accident Insurance (Off-The-Job)
Provides you with a lump-sum payment when you suffer a covered injury or undergo covered testing, medical services, or treatment, and meet the group policy and certificate requirements. Premiums are paid through payroll deduction. Payments are made directly to you to use as you see fit. They can be used to help pay for medical plan deductibles and copays, out-of-network treatments, for your family’s everyday living expenses, or whatever you need while recuperating from an accident.
Critical Illness Insurance
Helps cover the extra expenses associated with a serious illness. This coverage provides a lump-sum payment of $15,000 in Initial Benefits upon diagnosis. The Total benefit amount available is 3 times the Initial Benefit Amount, ($45,000) in the event you suffer more than one Covered Condition. Critical Illness insurance provides you with a lump-sum payment upon diagnosis of the following conditions:
- Full Benefit Cancer
- Alzheimer’s Disease
- Partial Benefit Cancer
- Kidney Failure
- Major Organ Transplant
- Heart Attack, etc.
LegalShield and ID Shield
Talk to an attorney about an unlimited number of personal legal matters without worrying about the hourly costs. Examples include adoption, child support and custody, divorce, real estate, traffic violations, trusts, power of attorney, bankruptcy consultation and debt collection. IDShield Includes privacy and security monitoring, consultation, and 24/7 covered emergencies with free mobile app, complete identity recovery services by Kroll Licensed Private Investigators and $5 million service guarantee ensure that if your identity is stolen, it will be restored to pre-theft status
Purchasing Power lets eligible employees purchase computers, electronics, exercise equipment, education, and household goods through payroll deduction. There is no credit check and the risk often associated with sub-prime financing is eliminated.
Learn more at www.Trilogy.PurchasingPower.com or call 1-800-923-6236.