2021 BENEFITS OVERVIEW - Premier Talent Partners
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2021 BENEFITS OVERVIEW
Medical Benefits
MEDICAL
ANTHEM BLUE CROSS ANTHEM BLUE CROSS ANTHEM BLUE CROSS KAISER
2021 PLAN CHOICES
Elements Choice PPO 6500 CLASSIC PPO 1000/35/20 PREMIER 500/20/20 HMO 15
In Network Out Of Network In Network Out Of Network In Network Out Of Network In Network
Lifetime Maximum Benefit unlimited unlimited unlimited unlimited
Deductible
Individual $6,500 $19,500 $1,000 $3,000 $500 $500 None
Family $13,000 $39,000 $3,000 $9,000 $1,500 $1,500 None
Out of pocket maximum includes deductible includes deductible $5,000includes deductible
Individual $ 7,350 $22,500 $5,000 $15,000 $3,500 $10,500 $1,500
Family $14,700 $ 44,100 $10,000 $30,000 $7,000 $21,000 $3,000
Co-Insurance (your cost) 0% 50% 20% 40% 20% 40% N/A
Office visit (pcp/specialist) $35/$35 (1st 3 visits) Ded + 50% $35 / $35 Ded + 40% $20 / $20 Ded + 40% $15 / $15
Urgent care Ded + 0% Ded + 50% $35 Copay Ded + 40% $20 Copay Ded + 40% $15 Copay
Preventive services/
No Charge Ded + 50% No Charge Ded + 40% No Charge Ded + 40% No Charge
well baby care
Labs and x-rays Ded + 0% Ded + 50% Ded + 20% Ded + 40% Ded + 20% Ded + 40% No Charge
Ded + 0% Ded + 20% Ded + 40%/ Ded + 20% Ded + 40%/ No Charge
MRI/CT/PET Ded + 50%
$800 max $800 max
Ded + 0% Ded + 50% Ded + 20% Ded + 40%/ Ded + 20% Ded + 40%/ $250 per admission
Hospitalization
$1,000 per day $1,000 per day
Ded + 0% Ded + 50% Ded + 20% Ded + 40%/ Ded + 20% Ded + 40%/ $15 per procedure
Outpatient surgery
$350 max $350 max
Emergency room Ded + 0% $30 (Waived
$150 (Waived if admitted) then Ded + 20% $100 (20 per year)
if admitted) then Ded + 20% $100 Copay
Acupuncture
$35 / $35 Ded + 50% $35 Copay Ded + 40% $20 (20 per year) Ded + 40% $15 Copay
(1st 3 visits) (20 per year) (20 per year) (20 per year) (20 per year)
Chiropractic services
$35 / $35 Ded + 50% $35 Copay Ded + 40% $20 (30 per year) Ded + 40% Not Covered
(1st 3 visits) (30 per year) (30 per year) (30 per year) (30 per year)
Prescriptions
Rx deductible $500 / $1,500 Deductible
Generic $5 / $25 $5 / $20 $5 / $15 $10
$50
Copay + 50% $30 Copay + 50% $50 Copay + 50% $25
Brand
$250 max
Non-formulary $65 $50 $45 $25
FULL PLAN DESCRIPTION CLICK HERE CLICK HERE CLICK HERE CLICK HERE
EMPLOYEE CONTRIBUTION PER MONTH
Employee only $104.07 $208.80 $403.88 $94.35
Employee + spouse $826.96 $1,077.33 $1,506.51 $825.58
Employee + child/ren $619.32 $787.85 $1,138.97 $703.71
Employee + family $1,293.76 $1,728.77 $2,333.50 $1,313.06
The benefits illustrated above are meant to serve as a summary of the benefits available under the carrier’s plan. Should any discrepancy arise, the
carrier’s documents supersede this illustration. Once enrolled, you will receive a Combined Evidence of Coverage and Disclosure Form that
explains the exclusions and limitations, as well as the full range of covered services of your plan, in detail.
2021
Dental, Vision, Life, and Disability Benefits
DENTAL ANTHEM BLUE CROSS BASIC LIFE ANTHEM BLUE CROSS
Class All Eligible Employees
In Network Out Of Network
Benefit Amount $50,000
Annual Max $1,500
AD&D Benefit Same as Benefit Amount
Orthodontia Lifetime Max not covered
Guaranteed Issue $50,000
Deductible
Preventive $0 PLAN DETAILS
Basic (Individual/Family) $50/$150 $50/$150
Major (Individual/Family) $50/$150 $50/$150
Coinsurance
Preventive 100% OPTIONAL ANTHEM BLUE CROSS
LIFE
Basic 80% 80%
Class All Eligible Employees
Major 50% 50%
Benefit Amount $10,000 increments;
Orthodontia not covered 5X salary up to $500,000
Important Provisions AD&D Benefit Same as Benefit Amount
Endodontic Services basic Guaranteed Issue $10,000
Periodontal Maintenance basic Spouse Benefit $5,000 increments up to $250K
Periodontal Surgery basic not to exceed 50% of EE benefit
Oral Surgery (Simple Extractions) basic Child Benefit $15,000
Oral Surgery (Complex Extractions) basic PLAN DETAILS
Usual & Customary negotiated fee 90th percentile
EMPLOYEE CONTRIBUTION PER MONTH FULL PLAN DESCRIPTION
Employee only - SHORT-TERM ANTHEM BLUE CROSS
Employee + spouse $54.41
DISABILITY
Class All Eligible Employees
Employee + child/ren $68.56
Taxable Benefit Yes
Employee + family $128.96
Benefit Percentage 60%
Benefit Maximum $2,500
Elimination Period
Accident 7 Days
VISION ANTHEM BLUE CROSS
Sickness 7 Days
in network out of network Benefit Duration 12 Weeks
Office visit copay $10 n/a PLAN DETAILS
Materials copay $25 n/a
Eye exam reimbursement 100% up to $49
Lenses
Single vision $35
LONG-TERM ANTHEM BLUE CROSS
DISABILITY
Bifocal covered after copay $49
Class All Eligible Employees
Trifocal $74
Taxable Benefit Yes
Contact lenses $130 $92 Benefit Percentage 60%
Frames allowance $130 + 20% $50 Benefit Maximum $10,800
Eye exam every 12 months Guaranteed Issue $10,800
Lenses every 12 months Elimination Period 90 Days
Contact lenses every 12 months Benefit Duration SSNRA
Frames every 24 months Own Occupation 2 Years
Pre-Existing 3/12
EMPLOYEE CONTRIBUTION PER MONTH FULL PLAN DESCRIPTION PLAN DETAILS
Employee only -
Employee + spouse $4.59
Employee + child/ren $5.25
Employee + family $11.14
More Benefits
FLEXIBLE SPENDING ACCOUNT (FSA) GYM DISCOUNTS
• Premier provides eligible employ- • Low or no registration fees
ees the opportunity to enroll in a
• Nationwide locations
medical FSA plan, as well as a
dependent care plan. Both plans • Website: 24 Hour Fitness click
offer employees tremendous here for more information
opportunities to make pre-tax
payroll withholdings to pay for
qualified medical and dependent
care expenses. FARM FRESH TO YOU
• Find out more • Healthy groceries to your home
COMMUTER BENEFIT PROGRAM • Local farms, organically grown
• 10% discount and convenient
• This program allows employees to delivery by entering promo code
tap into an existing federal program “NEWFRONT10”
(Sec 132) to pay for transit passes
and vanpool expenses on a pre-tax • Find out more
basis. IRS limit is $270 per month
for transit, and $270 for parking. WELLNESS/COMMUTING BENEFIT PROGRAM:
• Find out more Premier is very committed to supporting
physical, mental and financial wellness
in our employees and offers a $50/
EMPLOYEE ASSISTANCE PROGRAM (EAP) month reimbursement program for
Imagine having a counselor, a lawyer wellness and/or commuting related
and a financial consultant on call when- expenses so that employees are able to
ever you need them. Actually, you rejuvenate and recharge outside of
don’t have to imagine it because with work. All permanent, full-time employ-
Resource Advisor, you already do. And, ees of Premier are eligible for this benefit
it’s included with your Anthem Blue
Cross group life and/or disability plan SOFI: STUDENT LOAN COST REDUCTION
at no extra cost.
• Convenience—consolidate all your
• Find out more student loans into a single loan
• Flexibility—choose from a variety
EMOTIONAL SUPPORT HOTLINE
of loan terms
Specially trained Optum mental
health specialists are available to • No Commitment—no-obligation
help people manage their stress and rate quote
anxiety so they can continue to • $300 welcome bonus if you sign
address their everyday needs. The up and refinance through this link.
public toll-free helpline number, STUDENT LOAN REPAYMENT
866-342-6892, is open 24 hours a PROGRAM
day, seven days a week for as long
as necessary. Student Loan Repayment Program (administered
by Goodly):
HEALTH REIMBURSEMENT ACCOUNT (HRA) All employees have the opportunity to enroll in our
new Student Loan Repay-ment Program. Anyone
• Premier will enroll all employees who chooses to enroll will receive $50 a month
who have elected the Anthem towards paying down their student loans. Premier
Elements Choice PPO medical plan Talent Partners will send the contribution to Goodly
into the HRA plan through BRI.
Premier will contribute $3,000 HRA
each month, who will then send it directly to your
funds towards the $6,500 deductible servicer. You should make your regular monthly
to be used on co-pays. Rx, and payment to stay eligible for that month's
medical expenses only. contribution. Thanks to these contributions, you will
• Find out more save money on interest and cut time off your loan!
• Find out more
QUESTIONS? Contact your Newfront Benefits Consultant, Sabrina Louie by phone 415-878-3711 or sabrina.louie@newfront.com
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