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Employee Benefits Guide 2022 - 2023

Table of Contents Introduction.........................................................................................2 Enrollment Information...............................................................3 Qualifying Life Event..................................................................... 4 COBRA.................................................................................................... 4 Medical Plan Information...........................................................5 2022-2023 BCBS of Arizona Medical Plans.....................6 BCBS Alliance Network................................................................7

Telehealth..............................................................................................9 Dental Plan.........................................................................................10 Vision Plan........................................................................................... 11 MetLife Life Insurance................................................................ 12 Employee Rate Sheet.................................................................. 13 Employee Assistance Program............................................14 Important Phone Numbers.................................................... 15

Introduction Whether you are a new employee enrolling into your benefits for the first time or considering your benefits during open enrollment, this guide is designed to help you through the process. Aspire Business Consultants is proud to offer a benefits package that includes medical, dental and vision insurance coverage for you and your dependents. Please take the time to read this information and ask questions so you can make the best benefits decisions for both you and your family.

If you should have any questions: 1. Contact the carrier directly. Phone number and website information is on page 13. 2. Contact Heather Jones at 602.881.2483 or heather@aspirebc.net. This booklet highlights important features of Aspire Business Consultants’ benefits for it’s benefit eligible employees. While efforts have been made to ensure the accuracy of the information presented, in the event of any discrepancies your actual coverage and benefits will be determined by the legal plan documents and the contracts that govern these plans.

Enrollment Information OPEN ENROLLMENT

PRE-TAX VS POST-TAX DEDUCTIONS

Open Enrollment for current employees is from February 15th through February 22nd. This is your one time per year to make changes.

Pre-Tax Dollars: Your insurance premiums are paid with money removed from your gross wages prior to any tax calculations. This reduces your tax liability and is a more efficient way to pay for premiums.

All benefit eligible employees are required to elect coverage via Aspire Business Consultants’ enrollment form. Any coverage not actively selected will be considered a waiver of coverage.

Post-Tax Dollars: If you elect to enroll in the Supplemental Term Life benefit, your premiums will be deducted from your gross pay after taxes are deducted.

NEW EMPLOYEES New Employees have 31 days from your hire date to complete enrollment in the group insurance program. If you have moved from a non-benefits eligible status to a benefits eligible status, you will have 31 days from the new benefits eligible status to complete your enrollment. All insurance coverage starts at the first of the month. Remember, if elections are not made within the 31day initial period of eligibility, you will be required to wait until Annual Open Enrollment or until a Qualifying Life Event takes place. Late Enrollees may be required to satisfy a waiting period for the dental plan for certain services.

Qualifying Life Event The elections that you make during Open Enrollment or at initial benefits eligibility will remain in effect for the plan year (March 1, 2022 – February 28, 2023). During that time, if your life or family status changes according to the recognized events listed below, you are permitted to revise your benefits coverage to accommodate your new status. You may make benefits changes by contacting the Benefits Department and providing the proper documentation. IRS regulations govern under what circumstances you may make changes to your benefits, which benefits you can change and what kinds of changes are permitted.

QUALIFYING LIFE EVENTS LIST Marital Status Changes

Covered Dependent Changes

■

Marriage

■

Death of spouse

■

Divorce

■

Spouse gains or loses coverage from another source

■

Spouse employer’s

■

Open Enrollment

■

Birth or adoption of a child Death of dependent child Dependent becomes ineligible for coverage

✓ All changes must be consistent with the qualifying life event.

✓ In most cases, you cannot change your benefit plan, but may modify the level of your coverage (in other words, you can add or delete dependents, enroll or dis-enroll yourself or dependents, but not switch insurance carriers or plans). Any changes in benefit levels must be completed within 31 days of the qualifying life event.

COBRA In most cases, if your employment ends, benefits will terminate on the last day of the month in which you stopped working. Benefits will end on the day of termination in cases of employee fraud. Through federal legislation known as the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA), you may choose to continue coverage by paying the full monthly premium cost plus an administrative charge of 2% (if applicable). Each individual who is covered by a Aspire Business Consultants benefit plan immediately preceding the

employee’s COBRA event has the right to continue his or her medical, dental or vision plan. The right to continuation of coverage ends at the earliest of the date:

✓ you, your spouse or dependents become covered under another group health plan; or,

✓ you become entitled to Medicare; or, ✓ you fail to pay the cost of coverage; or ✓ your COBRA Continuation Period expires.

Medical Plan Information 1

BCBS of AZ Statewide PPO Network or Alliance Network Aspire Business Consultants

BlueCare Anywhere

AZ Technology 3 Council Association Health Program

The networks Aspire Business Consultants will use for hospitals and physicians for their medical plans.

The virtual visit (telemedicine) provider for the medical plans from BCBS of AZ.

The association that Aspire Business Consultants is a part of to bring robust benefit options to it’s employees

SUMMARY Medical benefits provide you and your family access to quality health care. Aspire Business Consultants offers two comprehensive medical plans that you may choose from for yourself or for yourself and your dependents. The medical plans are provided through the Arizona Technology Council (AZTC). AZTC contracts with Blue Cross Blue Shield of Arizona to use their PPO plans with either the Alliance Network or the Statewide Network. The medical plans provide major medical coverage to include hospitalization, physician and emergency room visits, prescriptions, telemedicine (BlueCare Anywhere) and more. To search for a Blue Cross Blue Shield of Arizona PPO provider in either the Alliance or Statewide networks, visit azblue.com/member after you are enrolled or call 602.864.4400.

2022-2023 BCBS of Arizona Medical Plans PPO 1500

PPO 1500

In Network

Network Lifetime Maximum

Alliance

Statewide PPO

Unlimited

Calendar Year

Unlimited

Individual

$1,500

Family

$3,000

Coinsurance

80%

Individual

$5,000

Family

$10,000

Inpatient Hospital

20% After Deductible

Outpatient Hospital

20% After Deductible

Emergency Room

$350 Copay

Urgent Care

$50 Copay

Office Visit

$25 Copay

Specialist Visit

$50 Copay

Preventive Care

Covered In Full

Lab & X-Ray

Copay OR 20% After Deductible

Tier 1

$15 Copay

Tier 2

$45 Copay

Tier 3

$75 Copay

Tier 4

$130 Copay

Mail-Order

2x Copay

Deductibles

Out-of-Pocket Max

Hospital Services

Routine Services

Prescription Drugs

BCBS Alliance Network

Telehealth BlueCareAnywhere-24/7/365 on-demand access to affordable, quality healthcare for employees and dependents who are enrolled in any of the district medical plans. Anytime, Anywhere. Regardless of the plan you choose you should never be without BlueCareAnywhere, the only 24/7 telehealth and wellness service designed for the modern family. Whenever you have an issue, simply connect with board-certified doctors, available by phone, video or chat. They are specially trained to diagnose, treat and prescribe medications for a wide variety of common medical conditions, helping you avoid the costly and time-consuming trips to the doctor or urgent care centers. • Talk to a real doctor, 24x7. No need to schedule an appointment or limit your visits. • Save money and time, while avoiding costly trips to a doctor’s office, urgent care or ER.

WHAT CAN BE TREATED? • Acne

• Headache

• Allergies

• Insect Bite

• Asthma

• Joint Aches

• Bronchitis

• Nausea

• Cold & Flu

• Rashes

• Constipation

• Sinus Infection

• Diarrhea

• Sore Throat

• Ear Infection

• UTI

• Fever

• And more!

WHEN SHOULD I USE BLUECAREANYWHERE? • Instead of going to the ER or an urgent care center for a non-emergency issue • During or after normal business hours, nights, weekends and holidays • If your primary care physician is not available • To request prescriptions (when appropriate) • If traveling and in need of medical care

ARE MY CHILDREN ELIGIBLE? • Yes! BlueCareAnywhere has pediatricians on call 24/7

BlueCareAnywhereAZ.com

Dental Plan BLUE CROSS BLUE SHIELD OF AZ BLUE PPO AND BLUE PPO PRIME NETWORK Individual

In Network

Out of Network

$50

Family

$150

Annual Plan Maximum

$1,000

$1,500

Type I (Deductible waived for Type I services) Diagnostic & Preventive Services

100%

80%

Exams

100%

80%

Cleanings

100%

80%

Bitewing x-rays

100%

80%

Floride treatment

100%

80%

60%

Type II Basic Services Amalgam & composite fillings

80%

60%

Simple Extractions

80%

60%

Type III Major Services

50%

40%

Crowns

50%

40%

Dentures

50%

40%

Bridges Root canals Periodontal maintenance

50% 50% 50%

40% 40% 40%

The Aspire Business Consultants dental plan includes preventive services and office visits.

Vision Plan

Standard lenses are covered.

VSP VSP CHOICE NETWORK

In Network

Out of Network

Exam

$10 Copay

Reimbursed to $45

Frequency

Every 12 Months

Lenses

Covered 100%

Reimbursed to $65

Single/Bifocal/Trifocal

with no copay

depending on lens

Frequency

Every 12 Months

Frames

$150 Allowance ($80 Allowance at Costco)

Reimbursed to $70

Frequency

Every 24 Months

Contact Lenses (instead of glasses)

$150 Allowance

Reimbursed to $105

Every 12 Months

Average 15% off the regular price or 5% off the promotional price

Not covered

Lasik Surgery

MetLife Life Insurance BASIC LIFE INSURANCE AND AD&D Aspire Business Consultants pays 100% of the cost of this MetLife Term Life Insurance Policy. Coverage for each benefit eligible employee enrolled in on of the medical plans is $25,000 Life and AD&D Benefit. Life insurance provides protection for those who depend on you financially. Your need varies greatly

due to age, number of dependents, dependent ages and your financial situation. Accidental Death and Dismemberment (AD&D) benefits provide a benefit to you or your beneficiary if you are seriously injured or die in an accident.

VOLUNTARY SUPPLEMENTAL LIFE INSURANCE AND AD&D You can also elect to purchase additional life insurance from MetLife for yourself, your spouse and child(ren). • Employee: $10,000 increments to a maximum of $500,000. • Spouse: $5,000 increments to a maximum of $250,000 not to exceed 50% of the employee’s Supplemental Life Benefit. • Child(ren) to age 19 (23 years old if full-time student): $2,500. NOTE: If you are electing an amount above the Guaranteed Issue amount of $100,000 for an employ-

ee or $50,000 for your spouse/domestic partner, you MUST complete an Statement of Health form within 5 days of submitting your completed enrollment. Instructions for submitting your completed Statement of Health are included on the form. EMPLOYEES ENROLLING AFTER INITIAL ELIGIBILITY AT TIME OF HIRE (LATE ENTRANTS) or EMPLOYEES REQUESTING TO INCREASE COVERAGE: Any amount of coverage elected requires a Statement of Health. You MUST complete a Statement of Health within 5 days of submitting your completed enrollment. Return instructions are included on the form.

Employee Rate Sheet Use this sheet for your per-paycheck benefit costs for the upcoming plan year. This is a great place to start planning for your, and your family’s, health and wellness for next year.

MEDICAL PLANS

DENTAL PLAN

VISION PLAN

All prices are per payday based on 26 pays.

EMPLOYEE ONLY EMPLOYEE & SPOUSE EMPLOYEE & CHILDREN EMPLOYEE & FAMILY

ALLIANCE NETWORK

STATEWIDE NETWORK

$0.00 $153.33 $153.05 $369.67

$84.56 $217.80 $208.72 $463.43

$11.09 $22.17 $29.38 $39.91

$2.75 $5.52 $5.90 $9.44

Voluntary Supplemental Life / AD&D rates and enrollment forms were provided to you separately.

Employee Assistance Program Arizona Technology Council Your EAP is a confidential & professional resource-available 24/7-paid for byyour company and available to you and eligible dependents without cost. Benefits include:

COUNSELING ASSESSMENTS Up to 3 in-person meetings with a counselor.

LEGAL SERVICES Free initial 30-minute phone consultation; ongoing consultations with a lawyer at 25% off attorney’s regular fees; unlimited access to do-it-yourself legal documents online.

For support: 1-866-607-4535 wellspringeap.org | username: AZTC A service provided by

FINANCIAL SERVICES Free initial 30-minute phone consultation, and access to financial calculators and resource documents.

ID THEFT VICTIM RESOURCES Free initial 60-minute phone consultation, ID theft response kit, and prevention information.

DAILY LIVING INFORMATION SERVICES Unlimited phone or live chat consultations/requests for finding consumer services and resources.

CHILDCARE & PARENTING RESOURCES

SUBSCRIPTIONS Monthly emails featuring the webinar of the month, spotlight on an EAP benefit, and a feature article on well-being or productivity, with direct links to the website.

WELLSPRING STRESS CENTER™ Unlimited access to an online stress management and prevention center, including instant relief tools and longterm solutions.

Unlimited phone or live chat consultations

IN-THE-MOMENT SUPPORT

OLDER ADULT & ELDERCARE RESOURCES

24/7 access to a professional, masterslevel therapist who will help you manage your distress, create a plan of action, & provide resources (which may include referrals for further services).

Unlimited phone or live chat consultations

WEBSITE ACCESS Unlimited access to online resources including: • Live Chat with a resource consultant (for Childcare, Eldercare & Daily Living) • Online referral request • Skill builders/online trainings • Well-being & productivity content • Monthly live & on-demand webinars • Search tools

Important Phone Numbers Blue Cross Blue Shield of Arizona Medical / Dental 602.864.4400 www.azblue.com BlueCare Anywhere Telehealth www.BlueCareAnywhereAZ.com or Download the BlueCare Anywhere app MetLife Basic Life and Supplemental Life Insurance w/AD&D 800.275.4638 www.metlife.com

VSP Vision 800.877.7195 www.vsp.com www.eyeconic.com to use your VSP benefit for glasses or contacts online Heather Jones Aspire Business Consultants 602.881.2483 heather@aspirebc.net Wellspring EAP Employee Assistance Program 866.607.4535 www.wellspringeap.org Username: AZTC

About this booklet This booklet highlights important features of Aspire Business Consultants’ benefits for its benefit eligible employees. While efforts have been made to ensure the accuracy of the information presented, in the event of any discrepancies your actual coverage and benefits will be determined by the legal plan documents and the contracts that govern these plans.

Capital Financial 14614 N. Kierland Blvd., Suite N230, Scottsdale, AZ 85254 Office / 480.347.0926 Fax / 480.360.6417