Eligibility

All employees who work a minimum of 30 hours per week are eligible for coverage on the 1st day of the month following 2 months of employment.

Summary of Benefits and Coverages

Aspire Living & Learning offers benefit eligible employees the choice between two medical plans – a Copay Medical Plan and a Coinsurance Medical Plan. These plans offer varying levels of annual deductibles and out-of-pocket maximums so you can decide which plan best fits the needs of you and your family members. Employees who enroll in a medical plan are automatically enrolled in the Cigna vision plan at no additional cost.

The chart below is only a summary of the covered services. Out of network costs will vary.

Contributions & Rates

In 2022 Aspire will contribute a fixed dollar amount toward total plan cost based on the level of coverage chosen. This chart below illustrates the total cost of each plan, the portion paid by Aspire, and the employee cost.

Carrier Contact Information

Cigna: Medical Insurance

Customer Service: 800-244-6224
Website: https://my.cigna.com/web/public/guest

Click here for the Cigna Provider Directory

Please click here for the Vision Providers Directory

Please click here for the Cigna Drug List (Formulary)

Telehealth Services

Employees can access telehealth services to treat minor medical conditions like colds, flus, sore throats, allergies and more. Cigna’s telehealth services allow employees to connect with a board-certified doctor via video or phone. Telehealth is included in both medical plans. Appointments have no copay for members. For more information or to register for telehealth services go to www.mdliveforcigna.com

Preventive Care

As we focus on helping employees maintain good health, we offer preventive care services covered at 100% with no deductibles, copays or coinsurance. Examples of preventive covered services include (but are not limited to): mammograms, colonoscopies, certain labs, immunizations, well-child care, and physicals for adults. For a more complete list of preventive care services, please contact Cigna Healthcare at 800-244-6224 or visit www.mycigna.com

Documents

Transparency in Coverage

By clicking on the button below, you will be led to the machine readable files that are made available in response to the federal Transparency in Coverage Rule and includes negotiated service rates and out-of-network allowed amounts between health plans and healthcare providers. The machine-readable files are formatted to allow researchers, regulators, and application developers to more easily access and analyze data.

Additional Information

Telehealth Services

Employees can access telehealth services to treat minor medical conditions like colds, flus, sore throats, allergies and more. Cigna’s telehealth services allow employees to connect with a board-certified doctor via video or phone.

The cost of the telehealth visit visit is $0 for medical plan members. Appointments can typically be scheduled within one hour or less. It is recommended that employees complete the telehealth registration process
before services are needed to make scheduling an appointment quicker in the future.

For more information or to register for telehealth services go to www.mdliveforcigna.com or call 888-726-3171.

Help Center Contact Information

MD live for Cigna: Telehealth Benefit

Customer Service: 888-726-3171
Website: www.mdliveforcigna.com

Cigna’s Diabetes Prevention Program (Omada)

Cigna Diabetes Prevention Program in collaboration with Omada is a program to help you avoid the onset of diabetes, as well as health risks that might lead to heart disease or a stroke. The program is covered by your health plan at the preventive level, just like for your wellness visit. Program participants have access to a professional virtual health coach, an online support group, interactive lessons, and a smart-technology scale. The program will help you make small changes in your eating, activity, sleep, and stress to achieve healthy weight loss through a series of lessons and tools to help you maintain weight loss over time. You may also be offered the opportunity to join a gym for a low monthly fee and no enrollment fee.

There is no cost to the members who participate in this program and is highly recommended to members at risk for type 2 diabetes.

To see if you are eligible, take Omada’s 1-minute health screener by visiting: omadahealth.com/allinc

Help Center Contact Information

Omada for Cigna: Diabetes Prevention Program

Customer Service: 888-987-8337
Website: www.omadahealth.com/allinc

Eligibility

All employees who work a minimum of 30 hours per week are eligible for coverage on the 1st day of the month following 2 months of employment.

Flexible Spending Accounts

Flexible Spending Accounts provide you with an important tax advantage that can help pay healthcare & dependent care expenses on a pre-tax basis. By anticipating health care & dependent care costs for the next year & setting aside money, employees can lower their taxable income. FSA and DCA accounts are administered by Streamline HR.

Medical Flexible Spending Account (FSA)

The 2022 maximum an employee can contribute to an FSA is $2,850 per calendar year.

This program allows employees to use pre-tax dollars for IRS-approved expenses such as medical deductibles, copayments/coinsurance, prescription copays, hearing aids, & dental services. All participants will be issued a debit card to pay for eligible expenses or a claim form may be submitted.

Dependent Care Account (DCA)

The maximum amount an employee can contribute to a DCA is $5,000 (for single or married filing jointly) or $2,500 (if married and filing separately).

A DCA allows employees to use pre-tax dollars to fund qualified dependent care such as daycare for children under age 13 or elder care.

Streamline HR – Set up your Online Account

Employees can create an online account to track FSA & DCA balances and manage their accounts. To get started:

1. Visit http://streamlinehrppt.lh1ondemand.com
2. Go to Customer Login > FSA-HRA-HSA Login
3. To login for the first time, the username is the first initial, last name & last four of SSN (ex: Adam Smith = asmith1234)
4. Initial password is the last four of SSN

Contributions

Made By Employees

Carrier Contact Information

Streamline HR: Flexible Spending Accounts

Customer Service: 877-262-7291
Website: https://streamlinehrppt.lh1ondemand.com

Forms and Plan Documents

All employees who work a minimum of 30 hours per week are eligible for coverage on the 1st day of the month following 2 months of employment.

Aspire Living & Learning offers benefit-eligible employees the option of choosing between two dental plans in 2022. Both Dental Plans feature no annual deductible. The Standard Dental Plan and the Premium Dental Plan offer varying levels of coinsurance, out of pocket maximums and employee premiums.

The chart below provides only a summary of the covered services.

Contributions & Rates

Carrier Contact Information

Delta Dental: Dental Insurance
Customer Service: 800-832-5700
Website: www.nedelta.com

Please click here for the Northeast Delta Dental Provider Directory

Northeast Delta Dental HOW Program

Delta Dental’s Health through Oral Wellness (HOW) program works with your existing dental benefits to help you achieve and maintain better oral wellness. Members who are at risk for dental decay or periodontal disease can request a clinical risk assessment preformed by participating dental providers. based on the results of the risk assessment, you may qualify for extra preventive services (like cleanings) not normally covered under the dental plan.

To Get Started:

1. Register at: www.healththroughoralwellness.com
2. Take the free oral health risk assessment online (Click on “Free Assessment” in the “Know Your Score” section)
3. Bring your assessment results to your next scheduled dental visit and share with your dental provider. Your dentist will preform a clinical version of the assessment.

Eligibility

All employees who work a minimum of 30 hours per week are eligible for coverage on the first day of the month following 2 months of employment.

Summary of Benefits and Coverages

Aspire provides each benefit eligible employee with the core benefits of life insurance, and accidental death and dismemberment.

Below is an outline of the coverages available under each plan.

Group Basic Life and AD&D Insurance:

• 100% employer funded
• 2x earnings (rounding to the next higher $1,000), subject to a maximum of $500,000
• Coverage amounts reduce by 35% at age 70 and by 50% at age 75
• Your Basic AD&D coverage amount is equal to your Basic Life coverage amount

Supplemental Term Life and AD&D Insurance:

• 100% employee funded
• Provides coverage that you can take with you (portable) if you terminate employment
• Employees may purchase coverage on themselves in increments of $10,000 to a maximum of $500,000
• Employees may purchase coverage on their spouse in increments of $5,000 to a maximum of $250,000 (not to exceed 100% of the employee amount)
• Employees may purchase from $2,000 to the maximum of $10,000 on their dependent children
• Benefit eligible employees may enroll during the initial eligibility waiting period and during open enrollment each year
• Employees may purchase up to $190,000 in supplemental term life insurance for themselves (or up to $25,000 for their dependent spouse) within the first 30 days of employment without having to complete a medical history statement (evidence of insurability form). If applying outside of the 30 days of employment, or for coverage in excess of the guarantee issue amounts, an evidence of insurability form will be required
• AD&D coverage does not require evidence of insurability
• In order to purchase supplemental term life insurance or AD&D coverage for your spouse and/or child, you must purchase coverage on yourself.

Carrier Contact Information

Reliance Standard: Life, Optional Life & Disability Insurance
Customer Service: 800-351-7500
Website: www.reliancestandard.com

Contributions

Basic Life & AD&D is 100% paid for by Aspire Living & Learning.

Supplemental Life & AD&D is 100% paid for by the employee. Premium costs are based on the amount of coverage approved and the age of the participant.

Forms & Plan Documents

Eligibility

Long-Term & Short Term Disability: All employees who work a minimum of 30 hours per week are eligible for coverage on the first day of the month following 2 months of employment.

Summary of Benefits and Coverages

Long-Term Disability Insurance:

• 100% funded by Aspire.
• Benefit amount is 60% of covered monthly earnings to a maximum of $6,250 per month.
• Benefits begin 180 consecutive days of total disability.

Short-Term Disability Insurance:

• 100% funded by Aspire.
• Benefit amount is 50% of covered weekly earnings.
• Weekly benefit will be paid to you by your employer.
• Benefits will begin on the 8th consecutive day of disability.
• Benefits for one period of disability are paid up to a maximum of 25 weeks.

Carrier Contact Information

Reliance Standard: Life, Optional Life & Disability Insurance
Customer Service: 800-351-7500
Website: www.reliancestandard.com

Contributions

Both Short Term and Long Term Disability are 100% funded by Aspire.

Forms and Plan Documents

Eligibility

All employees who work a minimum of 30 hours per week are eligible for coverage on the first day of the month following 2 months of employment.

Summary of Benefits and Coverages

Accident Insurance:

This benefit is voluntary and 100% Employee Funded.

Group Accident insurance is designed to help employees meet the out-of-pocket expenses and extra bills that can follow an accidental injury, whether minor or catastrophic. Lump sum benefits are paid directly to the covered employee if they sustain a covered injury.

Examples of lump sum benefits payable include: $100 for ambulance (ground); $150 for emergency room treatment; $100 for diagnostic examination.

Coverage can be elected for an employee, spouse or child. Benefits are paid on a tax-free basis; employee premiums are deducted on a post-tax basis.

Employee Bi-Weekly Premiums:

• Employee Only = $4.73
• Employee & Spouse = $7.73
• Employee & Child(ren) = $9.81
• Employee & Family = $12.92

Critical Illness Insurance:

This benefit is voluntary and 100% Employee Funded.

Group Critical Illness provides a fixed, lump-sum benefit upon diagnosis of a critical illness, which can include heart attack, stroke, paralysis, and more. These benefits are paid directly to the insured and may be used for any reason, from deductibles and prescriptions to transportation and child care.

Employees can purchase from a minimum of $5,000 to a maximum of $20,000 in coverage on themselves and/or their spouse. Spouse coverage cannot exceed 100% of the approved employee amount. Employees can also purchase 25% of the approved employee amount to a maximum of $5,000 to cover their dependent children.

Guarantee issue amounts are $20,000 for the employee coverage and $20,000 for the spouse coverage. Any coverage requested in excess amounts will require the completion of an evidence of insurability form.

Benefits are paid on a tax-free basis; employee premiums are deducted on a post-tax basis. Rates are based on age at the date of issue.

Carrier Contact Information

Reliance Standard: Life, Optional Life & Disability Insurance
Customer Service: 800-351-7500
Website: www.reliancestandard.com

Contributions

Both Accident and Critical Illness Insurance are voluntary and 100% funded by the employee.

Forms and Plan Documents

Eligibility

All employees who work a minimum of 30 hours per week are eligible for coverage on the 1st day of the month following 2 months of employment.

Benefit Details

*New in 2022, we are offering Pet Insurance to eligible employees.*

Benefit eligible employees have the option of enrolling in Pet Insurance through Nationwide Pet at any time. Employees may purchase coverage on dogs, cats, and birds. All policies are individually underwritten and monthly rates are determined by breed, age, species, type of plan selected and state of residence. Employees who wish to enroll can access the Nationwide Pet enrollment website link under “Modify or Enroll in Voluntary Benefits” link in the Life Events tab in the Employee Portal. Premiums can be paid through payroll deductions (26 pay periods per year).  For more information,  please contact Nationwide Pet at 877-738-7874 or go to www.petinsurance.com/allinc.

Pet Insurance Contact Information

Nationwide Pet: Pet Insurance
Phone#: 877-738-7874
Website: www.benefits.petinsurance.com/allinc

Additional Information

The Richards Group has partnered with SmartConnect™, an exclusive, no-cost program created specifically to connect Medicare-eligible working adults to the world of Medicare benefits. Whether an employee plans to continue working or is transitioning to retirement, we tailor solutions designed around their needs. Our agents provide an unfiltered view of the entire range of options and prices available to the employee.

SmartConnect Contact Information

For more information or to get started, please click on the following link: https://gps.smartmatch.com/therichardsgroup

Additional Information

Eligibility

All employees are immediately eligible to participate in the Employee Assistance Program (EAP) offered by Aspire.

Program Details

An Employee Assistance Program (EAP) is offered to all Aspire employees and immediate family members through ACI Specialty Benefits. This is a completely confidential counseling program that covers issues such as marital and family concerns, depression, substance abuse, grief and loss, child or elder care referrals, legal consultations, financial assistance or other personal stressors.

You can contact the Employee Assistance Program (EAP) via phone at 855-775-4357 or online at www.rsli.acieap.com

EAP Contact Information

ACI Specialty Benefits: Employee Assistance Program
Phone#: 855-775-4357
Website: www.rsli.acieap.com

Forms and Plan Documents