2019 - 2020 | BENEFIT GUIDE BIG KITCHEN VICE PRESIDENTS
WELCOME TO YOUR BENEFITS! At Fox Restaurant Concepts, we understand the important role that our benefit programs play in the lives of our employees and their families. That’s why we’re committed to offering excellent benefits that not only protect your physical and financial well-being but provide peace of mind when it comes to protecting your lifestyle and planning for the future. When it comes to health benefits, traditional programs try to fit everyone into the same mold. But we know you all have different benefit needs. That’s why we provide you with the freedom to select quality benefit options that work best with your personal situation. Choosing the right benefits takes thoughtful planning and consideration, so please take time to carefully review the detailed benefit information provided in this Benefit Guide to select the options that are right for you and your family.
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NEW THIS YEAR! HEALTHCARE IS COMPLICATED. HEALTHJOY MAKES IT SIMPLE. HealthJoy is the first stop for all your healthcare needs. It makes healthcare and employee benefits simple, quick and painless. The easy-to-use mobile app uses modern technologies to deliver a seamless experience. It’ll save you time, money and a ton of aggravation. A NEW EXPERIENCE IS HERE Don’t try and navigate your healthcare alone, HealthJoy experts are here to help. HealthJoy believes that healthcare is best delivered through a conversation so that’s why you’ll have access to online doctors, healthcare concierges, billing specialist and more. HealthJoy is always available to you - 24/7/365. START THE CONVERSATION TODAY BY LOGGING INTO THE HEALTHJOY APP OR CALL (877) 500-3212.
ACCIDENT INSURANCE Accident insurance works to compleiment your medical coverage — and pays in addition to what your medical plan may or may not cover. It’s coverage that provides a financial cushion for life’s unexpected events by providing you with a lump-sum payment when your family needs it most. The payment you receive is yours to spend however you like. It pays if you have tests, receive medical services, treatment or care for one of more than 150 covered events as defined in your group certificate.
PET INSURANCE Healthy Paws Pet Insurance is an easy-to-understand plan that reimburses up to 90% of vet bills for accidents, injuries, illnesses, genetic conditions, and emergency care for dogs and cats. The plan has no caps on payouts for covered conditions: no per incident caps, no annual caps and no lifetime caps on payouts. Simply take a picture of the vet bill and submit it for payment. Easy! -3-
TABLE OF CONTENTS
ABOUT YOUR BENEFITS.....................................5
HEALTH BENEFITS . ...................................10
ELIGIBILITY..........................................................6
MEDICAL INSURANCE OVERVIEW.........................11
ENROLLING IN YOUR BENEFITS..............................7
MEDICAL PLAN COMPARISONS.................................12
MAKING CHANGES DURING THE YEAR.................8
HEALTH SAVINGS ACCOUNT (HSA).........................14
WHAT DOES THAT WORD EVEN MEAN?..........9
TELEHEALTH............................................................15 NURSE ON CALL................................................................15 THE IMPORTANCE OF PREVENTIVE CARE.......16 DENTAL INSURANCE.......................................................17 VISION INSURANCE.........................................................18
FINANCIAL PROTECTION BENEFITS.............19
ADDITIONAL PERKS.............................................27
FLEXIBLE SPENDING ACCOUNTS (FSA)...............20
OTHER BENEFITS AND PERKS..................................28
TOOLS FOR FSAs & HSAs..........................................22
EMPLOYEE ASSISTANCE PROGRAM........................28
LIFE AND AD&D INSURANCE...................................23 VOLUNTARY DISABILITY INSURANCE..................24 ACCIDENT INSURANCE.................................................25 SAVINGS & RETIREMENT PLAN...............................26
IMPORTANT BENEFIT CONTACTS................31
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ABOUT YOUR BENEFITS
ELIGIBILITY BENEFIT ELIGIBILITY
DEPENDENTS
For those who are eligible for benefits, we have many great options for you to choose from! The benefit program for 2019-2020 includes:
Only dependents who meet the definition of an eligible dependent can be enrolled in a Fox Restaurant Concepts benefit plan. Eligible dependents include the following:
•
Medical and Prescription Drug Coverage
•
Legal spouse
•
Health Savings Account
•
•
Dental Coverage
Domestic partner (you must complete a Domestic Partner Affidavit Form)
•
Vision Coverage
•
Children to age 26
•
Flexible Spending Accounts
◦◦
Biological
•
Employer Paid Life and Accidental Death and Dismemberment Insurance
◦◦
Adopted
◦◦
•
Supplemental Life and Accidental Death and Dismemberment Insurance
Domestic partner’s children (with a completed Domestic Partner Affidavit Form)
◦◦
•
Accident Insurance
•
Pet Insurance
Any child you support who lives with you in a parent-child relationship and for whom you are the legal guardian
•
Voluntary Disability Insurance
◦◦
Disabled children of any age who are (or become) physically or mentally incapable of self-support while covered by our employee benefits program
◦◦
Short-Term Disability
◦◦
Long-Term Disability
WHO IS NOT ELIGIBLE?
EMPLOYEES
To eliminate any confusion about who is considered an eligible dependent, here are some examples of those who you CANNOT cover under any Fox Restaurant Concepts plan:
Big Kitchen management employees are eligible for coverage under the benefit plans the first of the month following 60 days of employment. If you do not enroll when you become eligible, you will not be able to enroll until the next Open Enrollment period or unless you have a qualifying life event during the year.
•
An ex-spouse
•
A parent or a parent-in-law
•
Grandparents or grandchildren
•
Siblings, nephews, nieces, cousins, aunts or uncles
•
Children of unmarried minor dependents
A notarized statement from family members is not sufficient to establish legal guardianship*. If you have questions regarding benefits eligibility, please contact Human Resources at 480-905-6920. *Legal guardianship is established by the court, whereby a minor child is placed under the supervision of a guardian who, under the terms of the legal guardianship, is legally responsible for the care and custody of the child. It allows the guardian to access services for the child, something that would not be possible without the legal guardianship status.
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ENROLLING IN YOUR BENEFITS HOW TO ENROLL
REMEMBER
It’s now time to enroll in your benefits! You need to complete your online enrollment within 60 days of your hire, rehire or promotion date or you will not be able to enroll until the next Open Enrollment period or if you have a qualifying life event. Even if you do not want any benefits, we need you to please log in to the system and decline coverage. Now just follow these easy steps!
APRI
The plan year starts every April 1.
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1
STEP 1: VIEW PLAN DOCUMENTS AND IMPORTANT NOTICES
STEP 3: START BENEFIT ENROLLMENT
Visit table43.me
Click “My Benefits”
→→ Docs & Info →→ Your Benefits & Perks →→ Health Insurance
→→ 2019 Benefit Enrollment
STEP 2: LOG IN TO PAYCOM EMPLOYEE SELF SERVICE Visit www.paycom.com.
→→ Start Enrollment
STEP 4: VERIFY YOUR ENROLLMENT Verify contact information, enter dependent(s) and beneficiary(ies), and enroll or decline coverage for each benefit plan.
If logged into Table 43, click Paycom under Links. Click “Login” then select “Employee”. Enter your Username, Password, and last four digits of your SSN.
STEP 5: SUBMIT YOUR ENROLLMENT Complete enrollment; sign and submit. Please make sure that you have entered beneficiary(ies) information for your company paid life insurance.
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MAKING CHANGES DURING THE YEAR QUALIFIED LIFE EVENTS You are allowed to make changes once a year during the Open Enrollment period, or when you are initially eligible for coverage. You cannot enroll, change or terminate your coverage during the plan year unless you have a change in status, called a qualified life event (QLE), as defined by the Internal Revenue Service (IRS). Election changes must be consistent with your status change. When in doubt if you are experiencing a QLE, refer to the plan document or ask Human Resources.
EXAMPLES OF QLEs INCLUDE THE FOLLOWING: • Marriage • Birth or adoption of a child • Loss of spouse’s/domestic partner’s group health coverage • You are no longer in an eligible class for coverage • Marketplace Open Enrollment • Your dependents can drop coverage due to the following: • Divorce or legal separation • Your death or death of a dependent • A dependent child reaches the maximum age limit
Marriage
Birth or Adoption of a Child
You and/or your dependents become covered by another group health plan
When can I change my benefits?
Court order requiring you to add coverage for a dependent child
End of COBRA Continuation Coverage through another employer
There is a significant change in the plan or plan costs during the year
If your dependent has a qualifying event due to one of these work or family status changes and you are not currently enrolled, you may be eligible to enroll with the dependent. Any premium change will be made in the month the change occurred. You must notify Human Resources and provide proper documentation within 30 days of the QLE in order to obtain coverage. Otherwise, changes cannot be made until the next Open Enrollment.
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WHAT DOES THAT WORD EVEN MEAN? We admit it, benefits can be hard to understand. Here are some common benefit words and their definitions to help you as you read through this guide. TERM Annual Deductible (Jan 1 through Dec 31)
DEFINITION The amount you are required to pay per calendar year before certain benefits are paid for by the plan. Once you meet the deductible amount, expenses are covered by the plan based on the coinsurance percentage. This deductible starts over every January 1st.
Annual Out-of-Pocket Maximum (Jan 1 through Dec 31)
The most you pay in a calendar year for covered services that are subject to coinsurance/copays. The deductible is included in this amount. If you reach the annual out-of-pocket maximum, the plan pays 100% of covered innetwork eligible expenses for the remainder of the plan year. Office visits and prescription copays are included in the annual out-of-pocket maximum for our medical plans. This maximum starts over every January 1st.
Balance Billing
When you are billed for the difference between the provider’s actual charge and the amount reimbursed under the medical or dental plan. This occurs when you go outside of the preferred provider network. Balance billing does not apply towards the out-of-pocket maximum.
Coinsurance
The percentage you pay for covered expenses.
Copayments or Copays
The flat dollar amount you pay for certain in-network services.
Explanation of Benefits (EOB)
Provides information about how your claim was processed by the insurance company. The EOB details what portion of the claim was paid by the insurance company and what portion is your responsibility.
Health Savings Account (HSA)
A special, tax-advantaged, interest bearing account to help plan and pay for qualified health care expenses (including plan deductible) while covered by a qualified high deductible health plan.
In-Network
A group of doctors, hospitals and other healthcare providers that contract with a plan vendor to provide quality healthcare services at favorable rates.
Plan Year
The plan year refers to April 1, 2019 to March 31, 2020.
Preferred Provider Organization (PPO)
A healthcare arrangement designed to provide healthcare services at a discounted cost for members to use designated providers (the network), but which also provides coverage (at a lower level) for services received from providers that are not part of the network.
Usual, Customary, and Reasonable (UCR) Charges
UCR charges are determined by your health plan vendor and are based on the range of fees charged by doctors with comparable training and experience for the same or similar service in your area. When you receive in-network care, UCR charges do not apply. You are responsible for amounts over UCR for out-ofnetwork care.
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HEALTH BENEFITS
MEDICAL INSURANCE OVERVIEW We offer a choice of four medical plan options through BlueCross BlueShield of Arizona (BCBSAZ): the Base Plan, the HSA Plan, the Mid Plan, and the Plus Plan. While all of the plans are Preferred Provider Organization (PPO) plans and cover the same medical services, each plan features its own coverage levels, copayments, deductibles, coinsurance and cost per pay period. It’s important that you look over theCare: medical comparison chartfrom on athe next In-Network Whenplan you seek medical services BCBS contracted provider, you receive a higher level of benefits. page to review the differences between plans and decide which one best meets your needs.
STAYING IN THE BCBS PPO NETWORK
BCBS
ARIZONA
NOT IN ARIZONA?
The comparison below clearly shows the differences between the in-network and out-of-network benefit levels. It’s important you understand what it means to stay within the BCBSAZ PPO network. Want to know who’s in the network? Visit www.azblue.com and click on “Find a Doctor/Rx.”
If you do not live in Arizona, when you visit www. azblue.com you will need to click on “Find a Doctor/ Rx” → Find a Doctor. From there, identify yourself as a “BCBS AZ member... Who has a health plan through This means when you use a Contracted providers also my employer”. Under “Search a Network”, select the contracted provider, you take care of filing your claim substantially reduce directly with BCBS, so PPO Network. Fromthethere, you will be able to find amount you pay out of pocket there’s no paperwork doctorsforand providers located nearest to you. medical services. required on your part.
In-Network Care: When you seek medical services from a BCBS contracted provider, you receive a higher level of benefits.
Out-of-Network Care: You may choose to receive care from a non-contracted provider that is out of network, however, you will receive a lower level of benefits.
BCBS
This means when you use a contracted provider, you substantially reduce the amount you pay out of pocket for medical services.
Out-of-network claims are paid based on the amount that is considered reasonable and customary and you are responsible for paying any charges above what BCBS pays (called balance billing).
Contracted providers also take care of filing your claim directly with BCBS, so there’s no paperwork required on your part.
You may need to file your own claims directly with BCBS.
You can search providers in your area at any time by logging into www.azblue.com.
Out-of-Network Care: You may choose to receive care from a non-contracted provider that is out of network, however, you will receive a lower level of benefits.
PRIOR NOTIFICATION
Prior notification with BCBS is • Clinical Trials required for certain services. Refer • Congenital Heart Disease to the coverage booklet located on Surgeries table43.me for more details. Out-of-network claims are paid It’s You may need to file • own Dental based on the amount that is your claims – Accident Only important that you notify BCBS considered reasonable and directly with BCBS. • Home Health Care before you receive these services or customary and you are responsible for paying any to charges you BCBS may have payabove morewhat out-of• Hospice Care pays (called balance billing). You can search pocket expenses. • Hospital providers in your area– Inpatient Stay at any time by logging Here is a sample list of health • Reconstructive Procedures into www.azblue.com. services that require prior • Rehabilitation Services notification: Outpatient – Chiropractic Care - 11 -
• Skilled Nursing Facility/ Inpatient Rehab Facility Services • Therapeutic Treatments – Outpatient (dialysis, chemo, radiation oncology) • Transplant Services Call BCBS with any questions you have regarding prior notification or see your medical plan booklet.
MEDICAL PLAN COMPARISONS BASE PLAN In-Network Lifetime Maximum
HSA PLAN
Out-of-Network
In-Network
Out-of-Network
Unlimited
Unlimited
CALENDAR YEAR DEDUCTIBLE Individual/Family
$6,000/$12,000
$6,500/$13,000
$4,000/$8,000
$8,000/$16,000
$6,850/$13,700
$13,700/$27,400
$4,000/$8,000
$20,000/$40,000
Office Visits
$40 copay
50% A.D. + Bal
0% A.D.
50% A.D. + Bal
Telehealth Visit via HealthJoy
$0 copay
N.C.
$10 copay
N.C.
OUT-OF-POCKET MAXIMUM Individual/Family (Includes Deductible) PHYSICIAN SERVICES
Specialist
$80 copay
50% A.D. + Bal
0% A.D.
50% A.D. + Bal
100% covered
N.C.
100% covered
N.C.
Chiropractic
$80 copay
50% A.D. + Bal
0% A.D.
50% A.D. +Bal
Urgent Care
$100 copay
50% A.D. + Bal
0% A.D.
50% A.D. + Bal
Inpatient Surgery
20% A.D.
50% A.D. + Bal
0% A.D.
50% A.D. + Bal
Outpatient Surgery
20% A.D.
50% A.D. + Bal
0% A.D.
50% A.D. + Bal
Preventive Care
HOSPITAL SERVICES
Emergency Room
$350 - waived if admitted
0% A.D.
LABORATORY SERVICES Office Visit
100% covered
50% A.D. + Bal
0% A.D.
50% A.D. + Bal
Free Standing Laboratory
100% covered
50% A.D. + Bal
0% A.D.
50% A.D. + Bal
100% covered
50% A.D. + Bal
0% A.D.
50% A.D. + Bal
20% A.D.
50% A.D. + Bal
0% A.D.
50% A.D. + Bal
Generic
$15
$15 + Bal
0% A.D.
50% A.D. + Bal
Formulary Brand
$50
$50 + Bal
0% A.D.
50% A.D. + Bal
Non-Formulary Brand
$100
$100 + Bal
0% A.D.
50% A.D. + Bal
Generic
$30
N.C.
0% A.D.
N.C.
Formulary Brand
$100
N.C.
0% A.D.
N.C.
Non-Formulary Brand
$200
N.C.
0% A.D.
N.C.
RADIOLOGY AND COMPLEX IMAGING X-Rays Complex Imaging (CT, PET, MRI, etc.) PRESCRIPTION DRUGS RETAIL
MAIL ORDER (90-DAY SUPPLY)
A.D. = After Deductible | N.C. = Not Covered | Bal = Balance Bill
YOUR MONTHLY MEDICAL COST Employee
$30.00
$25.00
Employee + Spouse
$330.00
$320.00
Employee + Child(ren)
$260.00
$250.00
Employee + Family
$410.00
$400.00
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MID PLAN In-Network Lifetime Maximum
PLUS PLAN
Out-of-Network
In-Network
Unlimited
Out-of-Network Unlimited
CALENDAR YEAR DEDUCTIBLE Individual/Family
$1,500/$3,000
$3,000/$6,000
$750/$1,500
$1,500/$3,000
$5,000/$10,000
$7,500/$15,000
$3,500/$7,000
$4,500/$9,000
Office Visits
$25 copay
50% A.D. + Bal
$25 copay
50% A.D. + Bal
Telehealth Visit via HealthJoy
$0 copay
N.C.
$0 copay
N.C.
OUT-OF-POCKET MAXIMUM Individual/Family (Includes Deductible) PHYSICIAN SERVICES
Specialist
$50 copay
50% A.D. + Bal
$50 copay
50% A.D. + Bal
100% covered
N.C.
100% covered
N.C.
Chiropractic
$50 copay
50% A.D. + Bal
$50 copay
50% A.D. + Bal
Urgent Care
$75 copay
50% A.D. + Bal
$75 copay
50% A.D. + Bal
Inpatient Surgery
20% A.D.
50% A.D. + Bal
20% A.D.
50% A.D. + Bal
Outpatient Surgery
20% A.D.
50% A.D. + Bal
20% A.D.
50% A.D. + Bal
Preventive Care
HOSPITAL SERVICES
Emergency Room
$350 – waived, if admitted
$350 – waived, if admitted
LABORATORY SERVICES Office Visit
100% covered
50% A.D. + Bal
100% covered
50% A.D. + Bal
Free Standing Laboratory
100% covered
50% A.D. + Bal
100% covered
50% A.D. + Bal
100% covered
50% A.D. + Bal
100% covered
50% A.D. + Bal
20% A.D.
50% A.D. + Bal
20% A.D.
50% A.D. + Bal
Generic
$10
$10 + Bal
$10
$10 + Bal
Formulary Brand
$30
$30 + Bal
$30
$30 + Bal
Non-Formulary Brand
$60
$60 + Bal
$60
$60 + Bal
Generic
$20
N.C.
$20
N.C.
Formulary Brand
$60
N.C.
$60
N.C.
Non-Formulary Brand
$120
N.C.
$120
N.C.
RADIOLOGY AND COMPLEX IMAGING X-Rays Complex Imaging (CT, PET, MRI, etc.) PRESCRIPTION DRUGS RETAIL
MAIL ORDER (90-DAY SUPPLY)
A.D. = After Deductible | N.C. = Not Covered | Bal = Balance Bill
YOUR MONTHLY MEDICAL COST Employee
$131.00
$166.00
Employee + Spouse
$545.00
$620.00
Employee + Child(ren)
$441.00
$508.00
Employee + Family
$876.00
$981.00
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HEALTH SAVINGS ACCOUNT (HSA) WHO IS ELIGIBLE FOR AN HSA? Anyone who is: • Enrolled in the HSA Plan which is a qualified high deductible health plan. • Not covered under any other medical plan that has copays.
• Not enrolled in Medicare, Medicaid, or TriCare or have received VA benefits in the last three months. • Not eligible to be claimed as a dependent on someone else’s tax return, such as a person under 26 who is still on their parent’s plan.
HOW MUCH CAN I CONTRIBUTE? Contributions cannot exceed $3,500 for individual coverage and $7,000 for employee with dependent(s) coverage annually on a pre-tax basis for the 2019 tax year. This amount includes any contributions received from Fox Restaurant Concepts.
FREE MONEY!
Individuals age 55 and older are eligible to make catch-up contributions of an additional $1,000 annually.
When you commit to saving just $5 per paycheck into your HSA, Fox will contribute to your HSA each month! Fox will contribute the following monthly amounts to your HSA, depending on the coverage level you’ve elected. Employee Only: $25
Employee + Child(ren): $50
Employee + Spouse: $50
Employee + Family: $75
WHAT ARE THE ADVANTAGES? • Unused money rolls over from year to year in an interest bearing savings account. • No “use it or lose it” rule. • Withdrawals for eligible expenses are exempt from federal income tax. • Participants will receive a HealthEquity Debit Visa® card for easy access to funds.
• Tax benefits: ◦◦ HSA contributions are excluded from federal income tax. ◦◦ HSA growth is tax-deferred ◦◦ HSA funds can be used for your eligible expenses as well as any tax dependent you have even if they are not covered under your health plan.
USE YOUR HSA FOR QUALIFIED MEDICAL EXPENSES. HSA funds can be used for a variety of qualified medical, dental and visions expenses, including: • • • • • • •
Acupuncture Birth control Chiropractor Contact lenses Dental treatment Prescription eyeglasses Fertility enhancement
• • • • • • •
Hearing aids Lab work Medical supplies Physical exams Prescriptions Orthodontia Radiology - 14 -
• Stop-smoking programs • Surgery (non-cosmetic) • Therapy • and more.... For an expanded list of qualified medical expenses, visit: www.HealthEquity.com/qme
TELEHEALTH WHAT IS TELEHEALTH? Telehealth enables virtual visits with board-certified physicians, counselors and psychiatrists using a smartphone or tablet. Healthcare professionals are available any day, any time for treating a wide range of physical and psychological care needs – either within minutes of a request or by appointment.
HOW DOES A TELEHEALTH VISIT WORK? You can now access your virtual visits through your HealthyJoy app. Scan the QR code to watch this quick video to find out how simple a virtual visit can be.
OR CLICK TO VIEW!
AND THE COST?
http://bit.ly/HealthJoyHowTo Telehealth is free with either PPO Plan. It’s only $10/visit with an HSA. That’s less than the average doctor’s office visit, making this a great first step when you need a doc.
NURSE ON CALL ASK A NURSE Sometimes health problems can happen at the most inconvenient times during or after work, late at night, or on the weekend. Twenty-four hours a day, seven days a week, BCBSAZ enrolled members can speak with experienced, registered nurses in English or Spanish by phone or online to access health information. Not sure where to go for medical care? When in doubt, you can call the BCBSAZ Nurseline. Highly trained nurses can provide information to help you decide whether to see your family doctor, visit a Retail Health Clinic or Urgent Care Center, or go right to the emergency room. And remember, in a true emergency - always dial 911 first.
When members call, experienced nurses can: • Identify and evaluate symptoms • Provide information for an informed decision • Recommend next steps Register by visiting www.azblue.com to access Nurse On Call online or to speak with a nurse 24/7, call 866.422.2729. - 15 -
THE IMPORTANCE OF PREVENTIVE CARE Did you know that if you are covered under one of our medical plans, your in-network preventive care is covered at 100%? That’s right! That means $0 out of your pocket for your annual physicals and preventive exams and screenings. These exams and screenings help identify health risks early on, and in turn keep those out-of-pocket medical expenses in check. Many exams involve running a complete panel of blood-work. When was the last time you had your total cholesterol checked? Your glucose levels? Knowing these critical numbers is the most important part of the visit. If you don’t know them, then it’s time to make an appointment! If you have additional questions about preventive care services, talk to your doctor or call BCBS at the toll-free number on the back of your ID card.
INTERVENTION quit smoking lose weight
CANCER
TESTS BLOOD PRESSURE
SCREENINGS
DIABETES
MAMMOGRAMS AND COLONOSCOPIES
CHOLESTEROL
SCREENINGS SEXUALLY TRANSMITTED INFECTIONS
REGULAR VISITS WELL-WOMAN, WELL-BABY, AND WELL-CHILD
VA C C I N AT I O N S FLU, PNEUMONIA, MEASLES, POLIO, MENINGITIS AND OTHER DISEASES
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H
eat healthy identify depression reduce alcohol use avoid sexually transmitted diseases
CARE FOR HEALTHY PREGNANCIES
DENTAL INSURANCE We offer you and your eligible dependents two PPO dental plan options through MetLife. The PPO network gives you access to a nationwide network of dentists that provide treatment at a negotiated rate. You may seek dental care from any provider; however, your outof-pocket expenses will be lower if care is provided by a dentist in the MetLife network. Out-of-network providers can also balance bill you for services. To locate a provider participating in the network, visit www.metlife.com/mybenefits, enter our Group Name – Fox Restaurant Concepts, LLC - and click on “Submit”.
Insurance will verify your eligibility
Insurance will process and pay the claim
- Apply expense against deductible - Calculate co-insurance levels & benefit maximum - Determine how benefits will be paid
DENTAL CLAIMS PROCESS Dentist will complete a Claim Form & submit to your insurance
If the dentist was not paid, insurance will pay the amount due
You will receive an Explanation of Benefits from your insurance
IF If you paid the dentist, you will be reimbursed by insurance
METLIFE BASE PLAN
METLIFE PLUS PLAN
In-Network
Out-of-Network*
In-Network
Out-of-Network*
Calendar Year Deductible Individual/Family
$50 / $150
$50 / $150
$50 / $150
$50 / $150
Calendar Year Maximum Benefit
$1,000 per person
$1,000 per person
$2,000 per person
$2,000 per person
0%
0%
0%
0%
20%
20%
20%
20%
50%
50%
50%
50%
Preventive and Diagnostic (Deductible Waived) Routine cleanings, oral evaluations, topical fluoride applications, X-rays, space maintainers and sealants Basic Services Fillings, root canal, general anesthesia, oral surgery and periodontics Major Services Crowns, dentures, partials, bridges, bridge/denture repair, denture rebase/ reline
In-Network: Benefits are based on a negotiated contracted fee schedule, and there is no balance billing. *Out-of-Network: Benefits are based on “Reasonable and Customary” (R&C) rates for a given area, and providers can balance bill you for amounts over the R&C rate.
YOUR MONTHLY DENTAL COST Employee Employee + Spouse Employee + Child(ren) Employee + Family
$9.58 $27.17 $25.12 $56.56
$16.53 $51.76 $50.42 $101.57
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VISION INSURANCE We offer vision coverage through Vision Service Plan (VSP). The vision plan includes a national network made up of both independent and national retail optical locations. You can see in the chart below that you receive the highest level of benefits under the plan and pay less out-of-pocket when you visit a network provider. You do have the option to go outside of the network, but you will pay more for those services. Out-of-network providers will require payment in full and then you must submit a claim to VSP for partial reimbursement. Visit www.vsp.com to find providers in the network. VISION PLAN In-Network
Out-of-Network*
Eye Exam (Every 12 Months)
$10 copay
Up to $45 allowance
Materials
$30 copay
Allowance varies
Lenses (Every 12 Months in Lieu of Contacts) Single
Covered in full after copay
Reimbursed up to $30
Lined Bifocal
Covered in full after copay
Reimbursed up to $50
Lined Trifocal
Covered in full after copay
Reimbursed up to $65
$130-$150 Retail Allowance + 20% off balance over allowance
Reimbursed up to $70
Frames (every 12 months)
Contact Lenses (Every 12 Months in Lieu of Lenses for Glasses) Medically Necessary
Covered in Full
Reimbursed up to $210
Elective
$130 Allowance
Reimbursed up to $105
YOUR MONTHLY MEDICAL COST Employee
$8.54
Employee + 1 Dependent
$12.39
Employee + 2 or more Dependents
$22.22
WAIT – THERE’S MORE! Just for being a VSP member, you are eligible for extra discounts and savings! You can find out more by visiting www.vsp.com/specialoffers. • Additional discounts and savings on Health, GLASSES, SUNGLASSES AND CONTACTS Wellness and Entertainment through VSP Simple • Get extra savings on featured frame brands Values! • Up to 40% off on popular lens enhancements and upgrades LASER VISION CORRECTION • Get 25% off custom LASIK and Custom PRK procedures or save $800 at participating laser eye centers. EXTRA OFFERS • Up to 60% savings on Digital Hearing Aids • Savings and resources to help manage Diabetes • Promotional financing available on eye care and eyewear through CareCredit
SAVE MONEY!
Visit www.vsp.com/specialoffers to discover additional discounts and savings!
- 18 -
FINANCIAL PROTECTION BENEFITS
FLEXIBLE SPENDING ACCOUNTS (FSA) Flexible Spending Accounts (FSAs) enable you to set aside money on a pre-tax basis to pay for your out-of-pocket health and daycare costs. There are two types of accounts: the Healthcare FSA and the Dependent Care FSA. You can participate in a flexible spending account if you are electing the Base, Mid, or Plus plan or no plan at all. You can elect one, both, or neither FSA plan. The deadline to submit reimbursement claims for incurred expenses on both Healthcare and Dependent Care flexible spending accounts is June 29, 2020. Please be sure to choose your contribution amounts wisely so you don’t waste any of your hard-earned dollars.
HOW FSAs WORK 1. Each year during the Open Enrollment period (or when you are first hired), you decide how much to set aside for health care and/or dependent care expenses. 2. Your contributions are deducted from your paycheck on a pre-tax basis in equal installments per pay period throughout the plan year. 3. When you have expenses to be reimbursed, you have the following options: ◦◦ Use your Flex Benefits Debit Card provided by HealthEquity. Keep your receipts just in case you need to substantiate any claims. ◦◦ Complete a claim form indicating that the expense has been incurred during the plan year, along with supporting documents as proof the eligible expense, such as a bill or itemized receipt from the provider. If these items are not available, you may have the care provider acknowledge receipt of payment by signing directly on the claim form.
HEALTHCARE FSA The Healthcare FSA allows you to set aside pre-tax dollars to pay for eligible health-related expenses that may not be covered by insurance. You can contribute a maximum of $2,700 annually. Not all items are eligible for reimbursement through your FSA. It’s important to know before you spend, so take a few moments to visit the HealthEquity website to find a complete list of eligible expenses. In the meantime, here are a few examples: • Medical and dental deductibles, copayments and coinsurance • Prescription drugs copayments • Eye examinations, glasses, contacts, Lasik • Hearing examinations • Transportation to and from medical provider
THE USE IT OR LOSE IT RULE Due to IRS regulations, any unused funds remaining in an FSA at the end of the plan year are forfeited. This is known as the “Use It or Lose It” rule. You must incur expenses by the end of the plan year – March 31, 2020.
• Orthodontic expenses • Fertility treatments • Smoking cessation programs Over-the-counter medicines are not considered eligible unless you have a doctor’s prescription.
PLAN
SPEND
COLLECT
Determine how much to contribute based on the contribution limits.
Use your funds on eligible expenses by using your debit card or paying up front and submitting for reimbursement.
Submit IRS-Required documentation to substantiate your claims and collect your reimbursement.
- 20 -
DEPENDENT CARE FSA The Dependent Care FSA allows you to pay for dependent daycare while you are at work or school. If you have dependent children under the age of 13 or dependents of any age who are unable to care for themselves, you can enroll in this plan and choose the amount you want to put aside for daycare. The maximum amount you can set aside each year is $5,000 (or $2,500 if married and filing separately). Some examples of eligible Dependent Care Expenses include: • Daycare facility fees (excluding transportation, lunches and educational services) • Before-school and after-school care • Local day camp • In-home babysitting fees (income must be claimed by your care provider) • Nursery school and preschool (preschool expenses are eligible if the amount you pay for schooling cannot be separated from the cost of care). An eligible care provider can be any provider you choose, except a dependent child who is claimed as a dependent and is under the age of 19. The care provider mustDependent meet the requirements of your state. The services may be as Care Account informal as care provided by your neighbor, as long as the provider claims the money as income when determining their taxes at the end of the year.
IMPORTANT
Dependent Care: Covers children up to age 13, disabled children of any age or a disabled spouse.
To be eligible: Care providers must claim the money as income when determining their taxes at the end of the year.
Dependent Care: Proof (or substantiation) needed for reimbursement: • Dates of service • Dollar amount • Day care provider name • Day care provider signature
Healthcare FSA money can be used right away, even if you haven’t contributed your full amount through payroll deductions. Dependent Care FSA is the opposite. You must have the money in your account before you are allowed to claim reimbursement. Remember, “Money in before money out.” - 21 -
TOOLS FOR FSAs & HSAs WHAT RESOURCES ARE THERE FOR FSA AND HSA ACCOUNTS?
Fox Restaurant Concepts has partnered with HealthEquity to be our provider for both the FSA and HSA accounts. We will get our debit cards from HealthEquity and we can call or access their customer service and savings tools 24/7. HOW DO I ACCESS HEALTHEQUITY TOOLS?
• Visit www.healthequity.com • Download their Mobile App for Android or Apple • Call 866.346.5800
Click here to calculate your estimated savings! HOW MUCH SHOULD I SAVE IN MY SAVINGS ACCOUNTS ? One way to estimate healthcare and dependent care expenses is to look at how much you paid for yourself and your dependents in out-of-pocket costs last year, and then consider any additional expenses that you expect to incur during the 2019-2020 plan year, including orthodontia or extensive dental work. You can also calculate expenses for a major medical procedure you may need to have on www. azblue.com. Make sure to check out the cost estimator on their portal. Keep in mind that eligible expenses must be incurred on or after the plan effective date (April 1, 2019) and before the end of the plan year (March 31, 2020). HealthEquity provides many interactive savings calculator’s on their website. Use this tool to estimate the pre-tax savings you may receive by participating in the plan that’s right for you.
Click here at www.azblue.com to calculate your estimated costs for a procedure. - 22 -
LIFE AND AD&D INSURANCE EMPLOYER-PAID LIFE AND AD&D It’s important that our employees have some level of financial protection. That’s why we provide eligible employees with Basic Life and AD&D coverage through MetLife at no cost to you with a guarantee issue amount of $500,000. Benefits are reduced to 65% once you reach age 65 and to 50% at age 70.
You must designate a beneficiary for your benefits for employee Life and AD&D coverage. You have the right to change the beneficiary at any time by written or electronic notice. You can change your beneficiary by contacting Human Resources.
VOLUNTARY SUPPLEMENTAL LIFE AND AD&D
We provide all eligible employees the option of purchasing additional Life and AD&D insurance through MetLife. These benefits provide valuable peace of mind and give you the option of covering your dependents. If you elect coverage for yourself, you are eligible to elect coverage for your spouse or dependent children as well. You cannot elect Supplemental Life and AD&D for your spouse and dependent children unless you elect coverage for yourself.
Employee
Benefit Amount: $10,000 Increments Benefit Maximum: Lesser of $500,000 or 5x Annual Salary Benefit Minimum: $10,000 Guarantee Issue: $150,000
Spouse
Benefit Amount: $5,000 Increments Benefit Maximum: Up to $500,000, not to exceed 100% of employee elected amount Guarantee Issue: $25,000
Dependent Child(ren)
Benefit Amounts: • Birth to 6 months: $1,000 Maximum • 6 months to age 26: Options of $1,000, $2,000, $4,000, $5,000 or $10,000
HOW MUCH
LIFE INSURANCE DO I NEED?
When it comes to protecting the financial security of you and your family, nothing is more important than planning ahead. Even if you already have a life insurance policy in addition to the company-provided policy, it’s important to ask yourself:
“Do I have the protection I need to cover all of my financial responsibilities?”
A few categories to consider include: Daily Living Expenses
Mortgages and Other Loans Children’s or Grandchildrens’ College Tuition If you have expected expenses like these, you may want to consider purchasing additional coverage. For help deciding how much coverage you need, go online and search for “life The above iscalculator.” a brief summary of the benefits. Please refer insurance
WHAT IS GUARANTEE ISSUE? A “guarantee issue” amount is the dollar amount of coverage you can be approved for without completing a health questionnaire. Guarantee issue amounts only apply during the 31 days following your initial eligibility period. If you wish to enroll in the Supplemental Life and AD&D plan or increase your coverage after your initial eligibility period, you will be required to complete the Statement of Health Form, which contains questions about your health. Rates are based on your age and the amount of coverage you elect. See Human Resources for additional details.
to full benefits booklet from MetLife for additional information and rates. - 23 -
VOLUNTARY DISABILITY INSURANCE You have the opportunity to purchase Short-Term and/or Long-Term Disability benefits for yourself. If elected, you pay the full cost of these voluntary coverages through payroll deductions. In the event you become disabled from a non-work related injury or sickness, disability income benefits provide a source of income while you are unable to work.
SHORT-TERM DISABILITY (STD)
LONG-TERM DISABILITY (LTD)
If you purchase STD coverage, you will receive disability income during the duration of disability or until such time that the employee is able to return to work per a doctor’s release.
If purchased, the LTD plan offers a monthly benefit to help replace lost income if you experience a disability lasting longer than 90 days.
Benefit Amount
Up to 60% of pre-disability weekly earnings
When are Benefits Payable
Benefits are payable following a 14-day elimination period
Maximum Benefit
$2,500 per week
Maximum Benefit Duration
11 weeks
Pre-Existing Limitation
Claims made in the first 12 months of coverage will be subject to a look back to determine if the condition was pre-existing. MetLife will look back up to three months prior to the effective date.
Benefit Amount
Up to 60% of pre-disability monthly earnings
When are Benefits Payable
Benefits are payable following a 90-day elimination period
Maximum Benefit
$10,000 per month
Maximum Benefit Duration
Social Security Normal Retirement Age* Claims made in the first 12 months of coverage will be subject to a look back to Pre-Existing determine if the condition was Limitation pre-existing. MetLife will look back up to 12 months prior to the effective date. *If disability occurs at or after age 60, benefits would be paid for a reduced period of time.
INDIVIDUAL DISABILITY INSURANCE (IDI)
TAX BENEFIT
This plan supplements your LTD and provides an additional monthly benefit. This plan does require an additional and separate enrollment form.
All Fox Executive and Vice President Disability Programs are provided on a premium tax basis. This allows for a tax FREE benefit at the time of disability. This means that, although Fox will continue to pay the full premium on your behalf, Fox will include the cost of the premium in your annual W-2 wages as taxable income.
Benefit Amount
60% of monthly earnings (not including bonus)
Maximum Monthly Benefit
Up to an additional $5,000
Maximum Total Benefit
Combined $20,000
Elimination Period Maximum Benefit Period
Benefits are payable following a 90-day elimination period Social Security Normal Retirement Age*
Pre-existing Condition 3/12
The above is a brief summary of the benefits. Please refer to full benefits booklet from MetLife (STD & LTD) or UNUM (IDI) for additional information and rates
- 24 -
ACCIDENT INSURANCE NEW THIS YEAR We now offer Voluntary Accident Insurance through MetLife. This new financial protection benefit is an economical way for you to supplement your health care plan and provides features designed to help you in times of unforeseeable medical need. Accident insurance works to complement your medical coverage — and pays in addition to what your medical plan may or may not cover. It’s coverage that provides a financial cushion for life’s unexpected events by providing you with a lump-sum payment when your family needs it most. The payment you receive is yours to spend however you like. It pays if you have tests, receive medical services, treatment or care for one of more than 150 covered events as defined in your group certificate. Some of the highlights include: • No coordination with other insurance benefits • Lump-sum benefit payment • Use it to help cover your medical deductible, copays, household bills and more
WELLNESS BONUS With this benefit, you can take part in one of the screening/prevention measures and earn a bonus from MetLife! Upon proof of screening, MetLife will pay a health screening benefit of $50.
• Portable if you ever leave FRC. ACCIDENT - SAMPLES OF COVERAGE Low Plan $500 $250 $200 $200 $750 $200 $50 $50
High Plan $1,000 $500 $400 $300 $1000 $300 $100 $100
Emergency Room
$50
$100
Urgent Care Medical Testing Physical Therapy Inpatient Surgery Benefit
$25 $100 $15 $150
$50 $200 $25 $300
$6.81 $12.43 $14.17 $17.74
$11.88 $21.46 $24.57 $30.76
Fracture Benefit: Face or Nose Dislocation Benefit: Wrist Concussion Benefit Eye Injury Benefit Air Ambulance Ground Ambulance Crutches Brace
MONTHLY COST Employee Only Employee + Spouse Employee + Child(ren) Family
- 25 -
SAVINGS & RETIREMENT PLAN Even though retirement may be many years away, it’s important that you start saving NOW. Your future self will thank you! To help you prepare for the future, we sponsor a Deferred Compensation plan through Principal Financial as part of the benefits package for a select group of employees. This is a great opportunity to save before-tax dollars through payroll deductions. You can enroll on the first of the month after 30 days of employment or in December of each year at www.principal.com. Fox will make a 50% match based on the first 6% you save. That’s like giving yourself a raise with free money from the company! Your contributions are always 100% yours to take with you, but the company matching funds are available based on a vested schedule.
WHY TIME IS MONEY
The vesting schedule is as follows: • 20% after 2 years of employment • 100% after 3 years of employment This plan is a non-qualified deferred compensation plan. Unlike a qualified plan, you are not able to change your deferral amount during the plan year. In addition, loans are not allowed, and rollovers to an IRA or other qualified accounts are not available. We encourage you to review the Plan Summary at www.principal.com to fully understand this benefit and how your deferred funds are treated by the company.
It’s important to start saving for retirement now. Consider the case of Diane and David, each 35, who both earn a starting salary of $35,000 and hope to retire at age 65.
Diane gets off to an early start and begins to contribute 6 percent of her pay per year right away.
DIANE
David drags his heels and doesn’t start saving 6 percent of his pay until he has been employed for 10 years.
DAVID
[TOTAL CONTRIBUTIONS*]
$162,600
$125,700 DIANE SAVES $448,000
$450K $400K $350K $300K
DAVID SAVES $247,200
$250K
[TOTAL CONTRIBUTIONS*]
$200K
This chart assumes a 3.5% annual salary increase each year, a 50% employer match on a 6% salary deferral contribution (providing an additional 3%) and an annual 7% rate of return compounded biweekly. This example is for illustrative purposes only. The assumed rate of return is hypothetical and does not guarantee any future returns nor represent the return of any particular investment option. Amounts shown do not reflect the impact of taxes on pre-tax distributions. Individual taxpayer circumstances may vary. *Total contributions include employee and employer match contributions.
$150K $100K $50K
0
1
10
20
30 years
By starting 10 years earlier, Diane’s retirement savings can end up being almost double those of David’s. Lesson Learned: Don’t Delay! - 26 -
ADDITIONAL PERKS
OTHER BENEFITS AND PERKS EMPLOYEE ASSISTANCE PROGRAM Problems are just a part of everyday life. So FRC provides an Employee Assistance Program (EAP) at no charge to support you and your household members. This program provides you with services to help with the everyday challenges of life that may affect your health, family life and work. EAP services are be provided by LifeWorks US Inc., a partner of MetLife. CONSULTATION AND SUPPORT You and the members of your household are entitled to up to 5 consultations with a licensed clinician per issue, per individual, per calendar year.
Your Helping Hand
Visit metlifeeap.lifeworks.com
WORK AND LIFE SERVICES
Username: metlifeeap Password: eap
Telephonic consultations are available in the following areas:
Legal Services: Consultations for issues relating
to civil, consumer, personal and family law, financial matters, business law, real estate, estate planning and more (excluding disputes or actions between you and MetLife/LifeWorks/your employer).
Financial Services: Budgeting, credit and financial guidance (investment advice, loans and bill payments not included), retirement planning and assistance with tax issues.
Childcare and Eldercare Assistance: Consultation plus referrals to childcare and eldercare providers. Identity Theft Recovery Services: Information on ID theft prevention, plus an ID theft emergency response kit and help from a fraud resolution specialist if you are victimized. Daily Living Services: Referrals to consultants and businesses that can help with event planning, transportation services, pet services and more (does not cover the cost nor guarantee delivery of vendors’ services). Online Member Services: LifeWorks’ EAP website and app that will be available to you features a wide
range of tools and information to help you take charge of your well-being and simplify your life.
FUNERAL DISCOUNT & PLANNING SERVICES Access to funeral discounts and planning services. Through Dignity Memorial, employees and family members will have access to compassionate counselors as well as discounts on funeral services through the largest network of funeral homes and cemetery providers in North America.
WILL PREPARATION SERVICES Online will preparation services provided by SmartLegalForms to create a binding will, living will or assign a power of attorney. - 28 -
TUITION REIMBURSEMENT
CELL PHONE DISCOUNTS
After one year of employment, Fox pays up to a maximum of $1,000 per calendar year of the total tuition cost of approved academic courses. For further details please refer to the Tuition Reimbursement Policy.
Verizon offers discounts on wireless products and services. Go to www.verizonwireless.com/discounts to validate your work email.
HEALTHY PAWS PET INSURANCE
MATERNITY PROGRAM REWARD Under the Fox medical plans, covered employees and spouses who are having a baby can receive a $250 wellness reward! All you (or your spouse) need to do is enroll in the BCBS Healthy Blue Beginnings program within the first 16 weeks of pregnancy and complete the program by taking the final outcomes assessment.
Healthy Paws Pet Insurance is an easy-to-understand plan that reimburses up to 90% of vet bills for accidents, injuries, illnesses, genetic conditions, and emergency care for dogs and cats. The plan has no caps on payouts for covered conditions: no per incident caps, no annual caps and no lifetime caps on payouts. Simply take a picture of the vet bill and submit it for payment. Easy! See Plan Document for full details. Special Discounts with Your Free Quote! https://bit.ly/HealthyPawsforFRC
Call 855-466-2229 to enroll in Healthy Blue Beginnings.
AUTO AND HOME INSURANCE DISCOUNTS DINING DISCOUNTS
Enjoy exclusive savings on home and auto insurance through MetLife. As an employee of FRC, you could save up to 15% on home and auto insurance tailored to your needs.
During on- and off-duty times, you receive a 50% discount (excluding alcohol) when dining at any Fox restaurant. This discount will be extended to the employee and three of his/her friends or family.
Visit: www.metlife.com/auto or call: 800-438-6388
YOGA AT COREPOWER
DIGITAL LEGACY (METLIFE Yoga, see the difference between a workout that changes INFINITY) your body and one that changes your life. Learn more at www.corepoweryoga.com/company-partners
Create a free account for web, mobile and tablet devices where you can upload, store and share digital assets including pictures, videos, audio files and documents. Assets are stored in a shareable collection.
- 29 -
OTHER BENEFITS AND PERKS TRAVEL ASSISTANCE Whether traveling internationally or domestically, you and your dependents can access professional medical, travel, legal, financial and concierge services, 24 hours a day, 365 days a year. More than 600,000 prequalified providers worldwide are ready to help you get the expert support you need, when you need it.
Use your travel assistance phone number to access:
Contact travel assistance via phone:
•
Travel and financial support
1-800-454-3679 or US collect 1-312-935-3783
•
Medical assistance
•
Concierge services
•
Mobile phone support
•
Virtual medical support
•
At home or away…identity theft solutions are available
Visit the AXA website: http://webcorp.axa-assistance.com Download the AXA app from Google Play or App Store for iOS or Android by searching “webcorp” Login: axa Password: travelassist
PAID TIME OFF
PAID HOLIDAYS
Paid Time Off (PTO) can be used to take a vacation, take time off when you are sick, care for sick family members, see the doctor and much more.
You will be paid for the following holidays:
You will begin to accumulate PTO on your paycheck immediately upon hire. You can generally start to use your PTO as soon as it appears on your paycheck stub as available leave. The amount of PTO you earn is based on your length of service. Following are the levels of PTO accrual based on years of service: Years of Service One full year Two full years Five full years
• • • • • • •
Days Available 10 days 15 days 20 days
SAVE MONEY ON PRESCRIPTIONS WITH GOODRX! GoodRx provides current prices and discounts for prescriptions at local pharmacies and is 100% free no obligations, no sign-ups. All you do is download the app, search for your medication, and save money. Even when a prescription drug is covered by insurance, GoodRx is frequently able to find cheaper prices. PLUS, you can still use HSA funds to cover the cost*.
PRESCRIPTION CARE DISCOUNTS Prescription Drugs Dental Vision Care Hearing Care X-Ray, MRI & Imaging • Lab Work Visit www.WellCardRx.com, FRC code: RTH5 The WellCardRx Discount Plan offers pre-negotiated health care discounts on a wide range of health services for members and their families including:
New Year’s Day Memorial Day 4th of July Labor Day Thanksgiving Day after Thanksgiving Christmas Day
• • • • •
*HSA funds may be used, however the member will not receive credit toward their plan deductible or out-of-pocketmaximum.
or call 800-562-9625. - 30 -
IMPORTANT BENEFIT CONTACTS BENEFIT
PROVIDER
PHONE
WEBSITE
Inside AZ: 602-864-4400 Outside AZ: 800-232-2345 800-275-4638
www.metlife.com/mybenefits
800-877-7195
www.vsp.com
866-346-5800
www.healthequity.com
HealthEquity
866-346-5800
www.healthequity.com
Life and AD&D
MetLife
800-438-6388
www.metlife.com/mybenefits
Short- and Long-Term Disability
MetLife
800-438-6388
www.metlife.com/mybenefits
Accident
MetLife
800-438-6388
www.metlife.com/mybenefits
Principal Financial WellCardRx GoodRX
800-986-3343 800-562-9625
www.principal.com www.wellcardrx.com www.goodrx.com
MetLife
800-438-6388
www.metlife.com/auto
Medical & Prescription Dental Vision Health Savings Account Flexible Spending Accounts
401(k) Retirement Plan Prescription Care Discounts Auto & Home Insurance Discounts Pet Insurance
BlueCross BlueShield of Arizona MetLife Vision Service Plan (VSP) HealthEquity
Healthy Paws
Benefit Wallet, Telemedicine and Healthcare Concierge Employee Assistance Program (EAP) Benefit Questions Human Resources
HealthJoy MetLife MJ Insurance Fox Restaurant Concepts
www.azblue.com
https://bit.ly/HealthyPawsforFRC 877-500-3212
Download today! App Store & Google Play
888-319-7819
www.metlifeeap.lifeworks.com Username: metlifeeap Password: eap
clientadvocate@mjinsurance.com 480-905-6920
Email: benefits@foxrc.net
The government notices for the Fox Restaurant Concepts plans can easily be downloaded by visiting Table 43: Visit table43.me The information in this Enrollment Guide is presented for illustrative purposes and is based on information provided by the employer. The text contained in this Guide was taken from various summary plan descriptions and benefit information. While every effort was taken to accurately report your benefits, discrepancies or errors are always possible. In case of discrepancy between the Guide and the actual plan documents, the actual plan documents will prevail. All information is confidential pursuant to the Health Insurance Portability and Accountability Act of 1996. - 31 -
SAVOR YOUR BENEFITS