Wow, 2019 has proven to be an incredible year so far! We have seen historic growth, both in revenue and people. None of which would be possible without all your hard work and dedication to serving our customers – thank you!
As we head into our benefits open enrollment season, I am reminded of the investment we make in each other. Lee Company invests in your health and wellbeing, so you can invest in the customers we serve. I am excited to say that our investment in each other is paying off, and we have some exciting benefit news for 2020!
Through your continued investment in healthier behaviors, participation in Go365, and being good healthcare consumers in our High Deductible Health Plan, we have been able to control our overall healthcare spend in 2019. When we make a conscious effort to do these things, it allows Lee Company the ability to reinvest in you and enhance the benefit plans we have in place. Specifically for 2020, this has allowed us to keep your medical rates and deductibles the same, offer you one nationwide network of doctors and hospitals (at no extra cost to you) and provide you with a new concierge healthcare service – making life easier one benefit at a time!
We have a few more positive changes coming your way for 2020, so be sure to review the detailed information your People Services team provides at Open Enrollment (September 30 – October 18). Your healthcare choices can make a big difference in your personal bottom line as well as Lee Company’s bottom line, so make sure you understand your benefit options and make the best possible choice for you and your family.
Thank you for all that you do for Lee Company.
Richard Perko, President & CEO
Overview of 2020 Health Benefits
Lee Company wants you to thrive! Based on your input, the 2020 healthcare plans are easier to understand and afford. This quick guide provides an overview of the 2020 options.
If you have any questions, please contact your Benefits Administrator, Ana Sanchez, at firstname.lastname@example.org or 615-224-1012.
Living Up to the Mission:
At Lee Company, we’re focused on creating a workplace where you can thrive. In addition to the healthcare plans summarized in this quick guide, benefit options include:
- Paid time off (PTO)
- Lee Company University
- 401(k) retirement plan
- Dental insurance
- Vision insurance
- Disability insurance
- Life and AD&D insurance
- Accident and critical illness insurance
- Home and auto insurance discounts
- Chaplain services
- Life assistance plan
- Lee employee assistance fund
- And more!
Details are available in the complete 2020 Benefits Guide and online at leecompany.com/benefits
How are we making life easier?
ONE broader doctor network for all employees to use:
NO increase in rates for Local network (but broader network through UMR (United Healthcare)
LOWER rates for National network (enjoy broader network through UMR (United Healthcare)
Quantum: a new service that provides:
Great customer service
One-stop-shop for all medical and pharmacy needs
Ability to talk directly to a Care Coordinator
No more phone calls to a healthcare provider phone tree
Changing Pharmacy to Express Scripts
This will allow us to offer more flexibility and cost containment as we look to remove the PPO medical plan in 2021
Teladoc on-demand remote medical care
Fast, easy, and cheaper care for common ailments in the comfort of your own home
$1,000 cash in Wellness Incentives
FEDlogic offers free Federal Program resource for all employees
Changes in 2020 will help lower plan costs for Lee Company employees and better position us for the future
Open Enrollment will take place September 30 – October 18
- Open Enrollment affects everyone, even if you are not on our insurance today.
- Everyone is required to confirm their benefit elections during open enrollment even if you plan on waiving coverage.
- If you are regularly scheduled to work at least 30 hours per week, you’re eligible for benefits.
- You can enroll the following family members for medical, dental and vision coverage:
- Your current legal spouse
- Your children under the age of 26, regardless of their marital or student status. This includes children by birth, adopted children, stepchildren, an any child under your legal custody.
|Wed||18-Sep||6:30 AM||Williamson Co Ag Center||HVAC Tech Breakfast|
|Mon||30-Sep||7:00 AM||Cumberland Office||Cumberland|
|Tue||1-Oct||7:00 AM||North Alabama||Field Staff|
|Tue||1-Oct||9:30 AM||North Alabama||Sales Staff|
|Tue||1-Oct||1:00 PM||North Alabama||Field Staff|
|Wed||2-Oct||7:00 AM||Fab Shop||All of Fab shop & warehouse|
|Thurs||3-Oct||6:00 AM||ABC Building – Nashville||Superintendent’s Meeting|
|Fri||4-Oct||7:00 AM||Wallace Place/ Training Rooms||Wallace Place Employees|
|Mon||7-Oct||7:00 AM||Bluegrass||All Bluegrass|
|Wed||9-Oct||7:00 AM||Williamson Co Ag Center||Facilities Tech Breakfast|
|Thurs||10-Oct||6:00 AM||Nissan Stadium||All construction and Special Projects / Downtown Nashville|
Your healthcare benefits decision (medical / dental / vision / Flex spending account) will remain in effect all year (1/1/20 - 12/31/20), unless you experience an IRS-approved qualifying event and request a change through People Services within 31 days of the event. Qualifying events include: Marriage, divorce, legal separation, birth, adoption or placement for adoption of a child, a gain or loss of coverage for dependents, or death of a dependent. You can make changes to your voluntary benefits at any time (life insurance, AD&D, HSA, accident, and disability).
Know your care options
When you’re sick or hurt, take a minute to consider the best place to go for care other than the emergency room (ER). You have options which could be faster, more appropriate for your problem, and save you money.
For guidance and information, call Quantum. (Starting December 1, 2019)
If you have a life-threatening medical problem, you should always call 911 or visit the nearest emergency room.
- We are simplifying to ONE broad national doctor’s network
- If you were local plus before, you will have a broader network for the same cost
- If you were national network before, you will have the same network with a cheaper cost
- Healthcare provider will change to UMR (United Healthcare)
- Pharmacy benefit will change to Express Scripts
- Quantum will become your one-stop-shop for all medical needs (see below for all Quantum can do for you)
- HSA and FSA accounts handled directly through HSA Bank
- Telemedicine will be handled through Teladoc
- FEDlogic – New Benefit effective 7/1/19
How Does Lee Company’s Medical Coverage Work?
- Your premium – You and Lee Company share in the cost of purchasing medical coverage. Your portion is deducted from your paycheck each pay period.
- Your copay –A copay is the fixed amount you pay for each doctor’s visit or prescription. Each copay counts toward your total annual out-of-pocket limit. The money you spend on copays doesn’t count toward your deductible.
- Your deductible – The deductible is the amount you pay for covered health care services before Lee Company starts to pay. Money in your HSA can be used toward your deductible.
- Your co-insurance – You and Lee Company share in the cost of healthcare services. After paying the deductible, you pay 30% of the remaining costs and Lee Company pays the rest. Money in your HSA account can help pay your share.
- Your out-of-pocket limit – This is the most you will pay out of your pocket for healthcare services. Once this is reached, Lee Company will pay 100% of covered services for the rest of the plan year.
Something awful happens
Healthy Choice Value Plan: Call Quantum! They can help you with in-network facilities and getting claims paid correctly. You pay for care until you reach your deductible, then you pay co-insurance. Your out of pocket maximum is $6,750 for an individual. Use the money Lee Company gives you in your HSA to help cover the expenses. If you don’t have enough money in your HSA, set up a payment plan with the hospital or apply for a low interest loan through Kashable.
Deluxe Co-pay Plan: Call Quantum! They can help immediately with in-network providers and getting claims paid correctly. You pay $300 for that ER visit. If you’re admitted to the hospital, that copay is waived and you pay for care until you reach your deductible, then you pay coinsurance. Your out of pocket maximum is $8,100 for an individual. If you don’t have enough money to cover expenses, set up a payment plan with the hospital or apply for a low interest loan through Kashable.
You Need Surgery
Healthy Choice Value Plan: Call Quantum! They can help you with pre-authorizations. You pay for care until you reach your deductible, then you pay co-insurance. Your out of pocket maximum is $6,750 for an individual. Use the money Lee Company gives you in your HSA to help cover the expenses. If you don’t have enough money in your HSA, set up a payment plan with the hospital or apply for a low interest loan through Kashable.
Deluxe Copay Plan: Call Quantum! They can help immediately with pre-authorizations. You pay 100% until you reach your deductible. Then, coinsurance until you reach your maximum out-of-pocket ($8,100 for individual). If you don’t have enough money to cover expenses, set up a payment plan with the hospital or apply for a low interest loan through Kashable.
It's time for your wellness exam
Go! Both plans cover annual physicals and age-appropriate prevention care at no cost to you. Don’t forget to take your Physical Form with you for your doctor to sign to earn your $250 incentive.
Don’t have a doctor?
Call Quantum to find an in-network doctor near you!
Healthy Choice Value Plan
- Less money out of your paycheck
- Quarterly cash deposits from Lee Company into your Health Savings Account
- Free preventive/wellness exams
- Higher deductible
- Lowest out-of-pocket maximum costs if a catastrophic event occurs
The Healthy Choice Value Plan costs you less money out of your paycheck. If you choose this plan, you get:
- Age-appropriate preventive care and wellness exams at no cost
- Annual Health Savings Account cash contributions from Lee Company: $1,000 individual/$2,000 family (paid quarterly)
- A deductible of $5,000 for an individual and $10,000 for a family
- Access to Kashable, a low-interest loan option, if the unexpected happens
- A lower out-of-pocket maximum, when compared to the Deluxe Copay Plan (see chart)
- You pay for medical care until the deductible is reached, including visits to urgent care, ER, inpatient hospitalization, outpatient surgery and prescriptions
When you enroll in this plan, an account with HSA Bank is automatically opened in your name. It operates just like a checking account. You’ll receive a debit card to swipe when you’re paying for healthcare services. Lee Company will automatically deposit money into the account each quarter – and you can choose to contribute money with each paycheck if you desire.
You do not need to spend all the money in your HSA during the calendar year. Any money you or Lee Company contributes that is not used in 2020 will rollover, giving you a healthy start to 2021!
Note: Medical carrier is changing to UMR and Pharmacy benefit to Express Scripts
Due to the transition to HSA Bank, there will be a blackout period from December 30 – January 2 where you will NOT be able to use your current HSA card. Your new HSA card (if you request the Healthy Choice Value Plan in 2020), should be activated and ready to use by January 3.
Deluxe Copay Plan (Unavailable after 2020)
- Higher cost out of your paycheck
- No cash contributions from Lee Company
- Free preventive/wellness exams
- Lower deductible
- Pre-set copays for doctor visits and prescriptions
- Higher out-of-pocket maximum if something catastrophic occurs
The Deluxe Copay Plan costs you more money out of your paycheck. If you choose this plan, you get:
- Age-appropriate preventive care and wellness exams at no cost
- No quarterly cash contributions from Lee Company
- The option of contributing your own money into a Medical Flexible Spending Account (FSA)
- A lower deductible of $2,500 for individual and $5,000 for family
- You pay for certain medical care until the deductible is reached, including inpatient hospitalization, surgeries and maternity
- Pay $30 copay for a primary care visit/$80 copay for a specialist
- Pay $150 copay for an urgent care visit
Higher out-of-pocket maximum, when compared to the Healthy Choice Value Plan (see chart)
When you enroll in this plan, you pay more to have additional protection. While your out-of-pocket maximum is higher than it would be with the Healthy Choice Value Plan, the Deluxe Copay Plan offers set copays for doctor visits and prescriptions.
You can choose to contribute your own money (pre-tax) to pay for healthcare expenses in a Medical FSA. Keep in mind, the money in the FSA is use-it-or-lose-it. Plan ahead. You will NOT be able to rollover any money from 2020 to 2021.
Note: Medical carrier is changing to UMR and Pharmacy benefit to Express Scripts
Due to the transition to HSA Bank, there will be a blackout period from December 30 – January 2 where you will NOT be able to use your current FSA card. Your new FSA card (if you request an FSA in 2020), should be activated and ready to use by January 3.
|Medical Coverage||Healthy Choice Value Plan
|Deluxe Copay Plan
|Preventive Exams / Age-Appropriate Screenings||
You pay $0
|Breast Cancer Screening|
|Cervical Cancer Screening|
|Colon Cancer Screening|
|Prostate Cancer Screening|
|Biometric Screening (cholesterol, blood pressure and blood sugar)|
|Deductible (Individual/Family)||$5,000 / $10,000||$2,500 / $5,000|
|Coinsurance||You pay 30% until you reach your out-of-pocket-maximum.|
|Out-of-Pocket Maximum (Individual / Family)||$6,750 / $13,500||$8,100 / $16,200|
(on-demand remote medical care)
|$45 / visit||$30 / visit|
Primary / Specialist
|You pay 100% until you reach your deductible.||$30 / $80 copay|
|Urgent Care||Then you pay 30% until you reach your out-of-pocket-maximum.||$150.|
|Major Medical Care
MRI / CAT / PET Imaging
|You pay 100% until you reach your deductible.
Then you pay 30% until you reach your out-of-pocket-maximum.
|Prescription Drug Coverage||Healthy Choice Value Plan
|Deluxe Copay Plan
|Deductible (Individual/Family)||You pay 100% until you reach your medical deductible (listed above). Then you pay 30% until you reach your out-of-pocket-maximum.||$100/$200|
|Prescription Drugs||You pay 100% until you reach your medical deductible, then coinsurance||$5 copay|
|Tier 1: Generics||$40 copay after Rx deductible|
|Tier 2: Preferred||$70 copay after Rx deductible|
|Tier 3: Non-Preferred Tier 4: Specialty||$120 copay after Rx deductible|
|Preventive, Generic Drugs
Used to prevent conditions like high blood pressure, high cholesterol and diabetes
|You pay $0||You pay $0|
|Contact Quantum to locate cheaper Rx alternatives,
manufacturer coupons, and other options to save money on Rx in 2020.
2020 Medical Rate Structure
In 2020 we will use the same percentage-of-pay structure, up to a maximum amount.
HOW DO I CALCULATE MY MEDICAL RATES?
1. Determine your weekly pay rate
2. Choose your coverage tier
3. Choose your plan
4. Are you Tobacco Free?
5. Determine your rate
Hourly rate $10.00 x 40 hours per week = $400 weekly
Healthy Choice Value Plan
Tobacco Free discount
$400 weekly pay x 2.5% (convert to .025 in calculator) = $10 per week
Download your annual physical formDownload here
“I had about $70,000 in shoulder surgeries, plus therapy, and my total out of pocket for the year was $6,500. The HSA plan worked for me because of what I had to get done.”
– Charles Foshee
“Moving to the HSA plan was a breeze for our family. I really like that I could just setup a certain dollar amount to be taken from my checks and it automatically moved over to our HSA account to help us save. I recently severely hurt my back which was very unexpected and needed x-rays taken immediately. Having the HSA card on hand was great because we were able to pay right then and there without having to worry about coming straight out of pocket. If anything, this has helped our family plan and save more for medical needs! We are very happy with the switch!”
– Lauren Crews
“I really prefer the HSA plan over the PPO. I pay considerably less each week out of my pay, and I can use my HSA card and haven’t had to pay out of pocket. And as a bonus, what I don’t use will roll over into next year.”
In 2020, you can earn up to $1,000 when you take simple steps to improve your health.
Making life easier … one benefit at a time
NEW LEE COMPANY BENEFITS:
Quantum Health: Your one-stop-shop.
FEDlogic: Federal program resource.
KASHABLE: A CONTINUED BENEFIT in 2020:
Financial support is available through Kashable. The last thing you need when facing a medical crisis is a financial crisis. To address your concerns about worst-case scenarios, Lee Company is pleased to once again offer our benefit through Kashable. Kashable offers a low interest loan from $250-$20,000. Applying is quick and easy and employees pay back the loan through payroll. Employees must have completed one year of employment to be eligible for Kashable.
Time to Thrive!
Along with our concern about each of you, Lee Company has a financial incentive for keeping you healthy. We’re busy. We want our pros on the job. We want to keep building this company and growing opportunities for all of us. There’s also the bottom-line incentive. You pay for part of your healthcare plan; Lee Company pays the rest. In 2020, we’ll invest about $12 million on healthcare alone.
Invest in Yourself
Your family, friends, and colleagues want you to take care of yourself. If you’re a smoker, giving up cigarettes is a great place to start. All of us can benefit from preventive care, exercising, and eating well.
The biggest incentive is how great you’ll feel – but cash rewards are nice too!
Why non-smokers pay less?
Tobacco remains the single largest preventable cause of disease – and premature death – in the U.S. To help you quit, Lee Company offers approved smoking cessation programs through UMR (United Healthcare) and our Go365 wellness program. In July of 2019, Lee Company added Chantix to our listed of covered prescriptions for smoking cessation. Call Quantum for more information! You can make your life easier by becoming tobacco free!
The Bottom Line
Along with listening to employee concerns, your People Services team has been looking at the numbers. Most Lee Company employees enroll in the Deluxe Copay Plan because it’s familiar. They’re willing to pay more out of every paycheck, for the comfort of having greater protection in the event of a major medical claim.
However, the higher price of a Deluxe Copay Plan doesn’t always create higher value for you and your family.In 2018, 90% of Lee Company employees spent less than $2,500 in medical and pharmacy services. That’s great news in terms of the health of our growing team. It’s also a clear indicator that most employees are taking too much out of each paycheck for a Deluxe Copay Plan they don’t fully use.
But what if you’re in the 10% who did spend more than $2,500?
There’s no guarantee that you or a dependent won’t face a catastrophic illness or accident in 2020. If the worst happens, paying for your deductible and the maximum out-of-pocket expenses could be a financial hardship. The Healthy Choice Value Plan has the lowest out-of-pocket maximum, but if you don’t have enough money in the HSA to cover the cost, we now offer low interest loans from Kashable.
Looking to the Future
True communication goes both ways. Along with listening to your concerns, we’ve been sharing our plans with you, including news that the Deluxe Copay Plan won’t be offered in the future. This will take effect in 2021. While we work on what our future medical plans will look like, please keep the feedback coming! We take your input to heart and are committed to providing the necessary medical and pharmacy coverage for you and your family.
You need to do your homework too! Evaluate your medical and pharmacy claims. Talk with your Care Coordinator at Quantum to learn how to maximize your healthcare benefits.
What Can Quantum do for you?
Order a replacement card
Pre-certify an advanced test or surgery
Ensure claims get paid correctly
Quantum can talk directly to your doctor
Find cheaper Rx alternatives
Locate in-network doctors and facilities
Connect you with a nurse on their staff
Coordinate treatment for chronic diseases like diabetes
How do you reach Quantum?
Call and talk directly with a Care Coordinator (phones go live 12/1/19)
Email or text your care coordinator through the Quantum App
One card, one phone number, one app for all your insurance needs
Download the Quantum App to your Phone!
Your insurance card is on the app
You can access your Claims information
You can look up providers
You can text with your Care Coordinator
Now it’s time to complete your 2020 elections:
- Log into Workday (desktop or mobile)
- Go to your Workday inbox
- Go to the task that says “Open Enrollment”
- Answer the tobacco question
- Choose your medical plan and verify dependents
• If you need to delete a dependent, select the X next to their name
• If you need to add a dependent, click “add dependent”
(see below for required information)
– Dependent name
– Dependent Date of Birth
– Dependent Social Security Number
- Review HSA Account
• If you select the Healthy Choice Value plan, you MUST elect the HSA account to receive Lee Company’s contribution
• You have the OPTION to also elect to put your own money into the HSA account (but this is NOT required)
- Review the FSA Account
Click on FSA Medical (ONLY if you selected the Deluxe co-pay plan)
– This is optional and NOT required
– Keep in mind, the FSA plans WILL NOT ROLL OVER. This is truly a use it in 2020 or you will LOSE it. Please plan accordingly.
- Enroll in all other benefits (Dental, Vision, Life, Disability, etc.)
• Verify your beneficiaries
- When you are finished, check the box for your “electronic signature”
- Hit Submit
If you experience a major critical illness, such as such as a heart attack, stroke, organ transplant, kidney failure and some forms of cancer, receive a $10,000 lump sum benefit. Critical illness insurance will also pay you $75 a year if you receive a wellness screening such as annual physical, colonoscopy, mammography, etc.
If you experience a personal accident resulting in an injury, you could receive cash benefits based on the severity of the accident.
Rates can be found on Workday.
Lee Company pays the entire cost for employee coverage. The dental coverage provides two free teeth cleanings a year and pays a portion of basic and major services.
|Delta Dental of TN||(Premier and PPO networks)||Out-of-Network*|
|Deductible (waived for preventive services)||$50 individual
|Calendar year benefit maximum||$1,000 per person|
|Lifetime orthodontia maximum||$1,000 per person|
Exams, cleanings, x-rays – deductible does not apply
|Plan pays 100%
Fillings, simple extractions
|Plan pays 80%
You pay 20%
Oral surgery, root canals, crowns
|Plan pays 50%
You pay 50%
|Orthodontics (dependents up to age 19)||Plan pays 50%
You pay 50%
Protect your eyes with an annual eye exam for $10 and receive up to $130 towards frames or contacts.
|Eye exams (every 12 months)||$10 copay||$25 reimbursement|
|Frames (every 24 months)||$130 allowance||$65 reimbursement|
|Lenses (every 12 months)|
|Single lenses||$25 copay||$10 reimbursement|
|Bifocal lenses||$25 reimbursement|
|Trifocal lenses||$55 reimbursement|
|Standard progressive lenses||$25 reimbursement|
|Elective (conventional/disposable)||$130 allowance||$90 reimbursement|
|Contacts – medically necessary||$0 copay||$200 reimbursement|
You can protect your paycheck in the event you are unable to work due to an illness or personal injury. Short Term Disability pays 60% of your weekly income for up to 14 weeks.
Lee Company pays for you to have Long Term Disability insurance. You receive 60% of your monthly income after you’ve been out of work for more than 14 weeks.
The cost of disability insurance is based on your pay rate. Log into Workday for detailed information.
Lee Company pays for you to have $25,000 of basic life insurance. That benefit doubles in the event you lose your life due to an accident.
You have the ability to purchase additional life insurance on yourself, spouse or children.
The cost of life insurance is based on your age. Log into Workday for detailed information.
Lee Company has partnered with Liberty Mutual to offer you special savings on quality auto and home insurance. Call Shane Miller at 615.896.5339 Ext 56301 or visit Liberty Mutual to get a free quote.
VISIT WORKDAY TO CONFIRM YOUR ELECTIONS!
Log into Workday at https://www.myworkday.com/leecompany
Enter your Lee Company email address
Enter your Lee Company email password
Click on your inbox to complete the open enrollment task
WE HOPE THIS INFORMATION IS HELPFUL AS YOU MAKE PLAN CHOICES FOR YOU AND YOUR FAMILY.
Please let us know if you have any questions, we are here to help. You can contact your Benefits Administrator, Ana Sanchez, at email@example.com or 615-224-1012.
Disclaimer: This website contains a summary of your benefit offerings and does not include all terms, coverage, exclusions, limitations, and conditions of the actual contract language. The policies and contracts themselves must be read for those details. Policy forms for your reference will be made available upon request by contacting People Services.