Benefits FAQ

All three plans use the same UHC Choice Plus network of doctors and hospitals.  However, the Traditional plans include copays for office visits and prescription drugs.  On the Option 3 CDHP, most services, other than Wellcare, are subject to the plan deductible.  One still receives the UHC network discount for those medical services and prescriptions, but the discounted cost is paid by the plan member until their deductible has been met.  They can use pre-tax funds from their HSA to pay those costs.

No – For one to contribute  to an HSA, one must also be enrolled in a “Qualified High-Deductible Health Plan” like Option 3.  In addition, one cannot be covered on a Traditional plan with copays, or have funds in a medical Flexible Spending Account.

Yes! You can change your HSA contribution at any time by submitting a benefit event in Workday.

No.  You can use any HSA administrator.  However, to receive the employer contribution to your HSA and to contribute pre-tax funds from your paycheck, your HSA must be administered by Optum Bank.  If you have funds in another HSA, you can transfer them to Optum Bank if you wish. The transfer form is available in the resources section of the Medical page.

There is no “use it or lose it” rule with the HSA. HSA funds roll over from year to year.  Funds are owned by the employee to use as needed for qualified medical, dental, and vision expenses.

Once you are no longer enrolled on a Qualified HDHP like Option 3, you can no longer contribute funds to your HSA.  However, you can continue to use your HSA funds for qualified expenses until they are exhausted.  If you leave employment, you can continue to maintain your HSA with Optum Bank, or you may choose to transfer HSA funds to another HSA administrator, such as a local bank or credit union.

Yes!  HSA funds can be used for your spouse and dependent children, even if they are not enrolled in a Community Brands Health plan.  HSA funds may not, however, be used for a sibling or parent’s medical expenses unless that individual can be claimed as a tax dependent on your tax return.

Children can be covered on your medical, dental, and vision plan until they turn 26, regardless of dependent or student status.  Their coverage will terminate automatically at the end of the month in which they turn 26.

Mental heath services are covered like any other medical service.  Outpatient office visits are subject to the same copay as a primary care visit on the Traditional plans, while inpatient services are subject to the deductible and coinsurance.  On the Option 3 plan, both inpatient and outpatient services are subject to the deductible and coinsurance.  There is no limit to the number of outpatient visits.

On the myUHC.com website, members can view claims, search for providers, view covered prescriptions, and even estimate the cost of common procedures.  You can also download and login to the UHC app and access similar features.  You can even view a digital copy of your UHC ID card.

Weight loss treatments and drugs are not currently covered on our medical plans.

Enrolled members can participate in the One Pass Select program, which provides access to thousands of fitness facilities starting at $29 per month.  They also have over 23,000 digital workouts available.  For more information about the one Pass Select Program, please visit myuhc.com, or click this link:  One Pass Select

Employees are encouraged to watch the 2024 Benefits Overview video.  You can use the table of contents to skip to the content about which you have questions.  The video is available on the microsite homepage or by clicking on this link: https://communitybrandsbenefits.info/

Exercise and fitness equipment is not covered by medical plans.

To view and search for services and items that can be paid for using HSA/FSA funds, please visit this page: https://store.optum.com/expense-eligibility/

Yes!  UHC virtual care is provided at NO COST to members covered on any of the Community Brands health plans!  Any medications prescribed by the virtual care provider run through the health plan as if they were prescribed by your primary care doctor.  Please visit myuhc.com or download the UHC mobile app for more information about the UHC telemedicine virtual care program.

Both plans include the same coverage for cleanings, minor, and major restorative services, and both use the same network of dental providers. The base plan includes up coverage for up to $1,000 of dental services per person per year.  On the buy-up plan, that annual maximum increases to $5,000 per person for year.  The buy-up plan also includes orthodontia coverage for children and adults, with a lifetime maximum of $2,000 per person.

The buy-up vision plan does not have copays for the annual eye exam or glasses.  It also offers the ability to get new frames every year, instead of every other year.

Any condition for which you were treated in the 3 months before your coverage effective date would not be covered for the first 12 months in which you are enrolled.  After 12 months, that condition would be covered like any other condition.

Because employment and wages must be verified by the employer at the time of a disability claim, coverage can only be offered to Community Brands employees.

The Option 1 LTD plan provides benefits equal to 50% of pre-disability wages, while the Option 2 plan provides benefits equal to 60% of pre-disability wages.  Both plans provide benefits up to $10,000 per month.

When one is first eligible for LTD coverage, usually as a new employee, medical underwriting is not required.  If an employee waives coverage when first eligible, but wishes to enroll during a future enrollment, medical underwriting will be required, and coverage may be denied by Unum.  The required underwriting form is called an Evidence of Insurability (EOI) form and is available in Workday during the election process.

The Employee Assistance Program (EAP) is provided through Unum, and is designed to help each person lead a happier and more productive life at home and at work.  EAP includes up to 3 in-person sessions with a licensed counselor, as well as 24/7 access to support resources.  They also provide monthly webinars on dozens of helpful topics.  To learn more, please visit the EAP page. 

The EAP is available to all Community Brands employees, regardless of whether you participate in other CB benefit plans.  EAP is also available to your spouse and dependent children, as well as your parents and parents-in-law.