BENEFITS SHOWCASE

Welcome

Welcome!

At TARC, we recognize the dedication that goes into your work every day. That's why, as an employee, you have access to a comprehensive and above-market benefits package provided to offer security and protection for you and your family.

This online resource gives you an overview of the benefits available to you, and it also includes explanations on eligibility, benefits, cost, carrier contact information, and the enrollment process.

New-hire benefits are effective on the first day of the month following full-time date of hire. 

To enroll in benefits, click on the Enroll Now button to go to ADP, our online tool for benefits enrollment. You may also enroll through the ADP Mobile App. 

Accolade, your healthcare concierge, can help you with any benefit questions you might have. 

Please take the time to review each section of the Benefit Showcase and discuss with your family members before making your benefit elections.

Remember, you'll be required to add your beneficiary information, as well as dependent information (if you're adding a spouse and/or child(ren) to your benefit plans). To ensure a smooth enrollment process, it's recommended that you have dates of birth and social security numbers available when making your benefit selections.

What's New in 2021

Below are the coverage offerings that are updated for 2021. More details about each of the plans can be found on this website.

Important Information for 2021

• The Medical PPO Plan for 2021 will have changes to deductibles, copays and out of pocket limits. See the Medical section for more information.
• The TARC HSA annual contributions for 2021 will be:
  • $1,700 Employee Only 
  • $1,900 Employee + Spouse or Employee + Child(ren) 
  • $2,300 Employee + Family
• The Accident plan is now an employee-paid benefit. You must enroll in order to keep your accident coverage for you and your family members.
• The Accident Plan and the Med Bridge plan payroll contributions will be deducted on an after-tax basis beginning in March 2021.
• You must enroll if you want a Healthcare FSA or Dependent Care FSA for the new plan year. Current elections will not roll over to the new plan year.
• You may change your HSA contribution at any time throughout the year.

Navigating your health and benefits is easy. Just ask Accolade.

Accolade will assist you and your family with health or benefits questions, big or small. Connect with a dedicated Accolade Health Assistant who will take the time to get to know you and understand your needs, while partnering with a team of doctors, nurses, and benefits specialists to help support you each step of the way and guide you to the right care.

You will call Accolade for all medical and benefits questions. Accolade is completely confidential and provided at no additional cost by your Humana health plan.

• Will this procedure be covered?
• When am I eligible for benefits election?
• I was just diagnosed with diabetes, now what?
• Why was I billed for this test?
• Can you help me find an in-network provider? 
• What questions should I ask my doctor?

Your Health Assistant is available by phone, online or mobile.

Three easy ways to get started today:

1. Connect with Accolade online by creating an account at member.accolade.com or downloading the Accolade app.

2. Activate your account by registering on the Accolade website or app.

3. Contact your Health Assistant by messaging them through the app or by calling 844.556.6108.

Benefit Questions?

Contact Accolade at 844.556.6108

Monday through Friday between 8:00 am and 6:00 pm

BENEFITS SHOWCASE

Medical and Rx

Humana Medical Plans

TARC offers two very robust medical plans to provide you and your eligible dependents with comprehensive benefits giving you the options to choose the plan that best meets your healthcare needs.  

Humana

Our Medical benefits utilize the National POS Open Access network. Using an in-network provider is the most cost-effective way to maximize your benefits. Please review the medical carrier website for information on doctors in your network. Our medical plans give you access to an extensive network of providers.

Saving Money on Healthcare Costs

• You can also help better manage your health and your costs:
• Schedule your wellness exams (annual physical, etc). Your cost = $0 in network
• Schedule your preventive screenings (mammogram, colonoscopy, PSA, etc). Your cost = $0 in network
• Utilize in-network labs for all laboratory testing
• Visit your Primary Care Physician before seeing a specialist
• Use urgent care instead of an emergency room
• Use a free-standing imaging center for x-rays and complex imaging instead of a hospital
• Use an ambulatory surgical center for outpatient surgery instead of a hospital

Explanation of Benefits (EOBs)

While Accolade will be your primary resource for everything related to your medical plan, EOBs can only be downloaded through your MyHumana member portal at humana.com. 

You also have the option to "waive" coverage. If you waive and have coverage under another plan, you're eligible for an "opt-out payment" as long as you provide proof of that other coverage. 

Opt-Out Payment

If you and/or your dependents have medical coverage elsewhere and are waiving TARC medical, an opt-out payment is available for the 2021 plan year:

• You are waiving employee-only medical coverage: $750 per year
• You are waiving dependent-eligible medical coverage: $1,500 per year 

You MUST have proof of other coverage in order to receive the payment and you MUST complete an opt-out payment form and return it to Human Resources.  

Benefit Questions?

Contact Accolade at 844.556.6108

Monday through Friday between 8:00 am and 6:00 pm

Pharmacy Benefits

RxBenefits is your pharmacy benefit administrator. They've partnered with Express Scripts to bring TARC members greater discounts, better access, and improved member services.

Express Scripts

On or after your effective date, you can register online at express-scripts.com. As a registered member, you’ll have a powerful tool to help you lower your prescription costs and save time. You can take a quick tour of the website to understand how to use it before you register. Once you register, you can get started with mail order, check prices and coverage and view your Rx claims.

Questions?

Email RxHelp@rxbenefits.com

Call 800.334.8134

Virtual Visits - Doctor On Demand

The doctor will see you now.

Skip the waiting. Doctor On Demand allows you see to see a board-certified doctor in minutes with video access from your mobile device or computer. It’s that easy.

Doctor On Demand is the perfect option when your primary care doctor is unavailable and other healthcare options are closed.

Video chat with a doctor 24/7

Download Doctor on Demand to start your Virtual Visit

• From your mobile device tablet or computer
• Video chat face to face with a doctor in 20 minutes or less
• Get presciptions if needed
• Save up to $1,800 in comparison to the emergency room
• Video visits cost $56 or LESS based on your medical plan

Remember, your telehealth services are only available for minor, non-life-threatening conditions. In an emergency, dial 911 or go to the nearest hospital.

BENEFITS SHOWCASE

Dental and Vision

Delta Dental

Your dental benefits are provided through Delta Dental and are available to you, your spouse and/or your children. The dental plan features a network of dentists and specialists who provide services at a discounted rate. When you elect an in-network dentist, you’ll save money. The information below is a summary of coverage only.

Dental Highlights

Delta Dental PPO Plus Premier Network

Dependent Age: Up to 26

Find a Dentist Near You

• Log on to www.deltadentalky.com, click on "Find a Doctor"
• Click on Delta Dental PPO, Delta Dental Premier, or Delta Dental USA
  • Select Delta Dental PPO Plus Premier

You can also call Customer Service at 800.955.2030 for assistance with locating a provider.

For more information about the plan, visit www.deltadentalky.com 

Questions?

Call Delta Dental at 800.955.2030

Humana Vision Plan

Vision benefits will be offered separately from the medical plan. This will be an independent election from your medical benefits. Your vision benefit provided through Humana is available to you, your spouse, and your children.  

The vision benefits will also include an HRA (Health Reimbursement Account) benefit. This will allow employees and their spouses enrolled in the Humana Vision Plan to receive $125 each for vision expenses not covered by the plan. (Children are not eligible for the HRA benefit.)

Vision Reimbursement Account

• The total cost of a set of frames is $200.

• Humana allows for $130 + 20% off of $70 balance ($14 discount).

• Your out-of-pocket cost would be $56.

• You then submit $56 claim to Humana for reimbursement.

• After the claim has been reimbursed, you still have access to $69 of HRA reimbursement funds for the plan year.

Benefit Questions?

Contact Accolade at 844.556.6108

Monday through Friday between 8:00 am and 6:00 pm

BENEFITS SHOWCASE

HSA, Health FSA, Dependent Care FSA

Reminder:  You MUST enroll to make changes to your HSA contribution.

Get to know the TARC HDHP with Health Savings Account (HSA) so you can decide if it’s right for you

In conjunction with our Humana Qualified High-Deductible Health Plan (HDHP), TARC establishes a Health Savings Account (HSA) through UMB Bank for all HDHP plan participants. This savings account funded by TARC and employee contributions will be established to pay any qualified medical expenses not paid by the TARC HDHP.

What is an HSA?

An HSA is a savings account you can use to pay healthcare expenses with tax-free dollars. Enjoy the benefits of an HSA when you enroll in the TARC HDHP medical plan. You can use your HSA to pay your share of your expenses at any time.

A plan with an HSA may be right for you if…

• You don’t typically have many healthcare expenses and want a medical plan with lower premiums. The TARC plan may still be a good choice even if you do have high healthcare expenses, because of the low deductible and generous HSA funding by TARC.
• You want to pay your healthcare expenses with tax-free dollars.
• You want to save now in a tax-advantaged account to pay for healthcare expenses in the future.

Reminder: You MUST enroll each year you want to participate in a Health Care FSA or Dependent Care FSA

Flex Spending - Health and Dependent Care

Flexible Spending Accounts (FSAs) allow you to set aside pre-tax dollars to pay for certain healthcare and dependent care expenses. Each dollar you put into the Health Care Flexible Spending Account (HCFSA) or Dependent Care Flexible Spending Account (DCFSA) is a dollar not taxed. The Flexible Spending Accounts are administered through Benefit Marketing Solutions LLC (BMS).

Health Care Flexible Spending Account

If you are enrolled in TARC’s Standard Plan, you can also elect to contribute to a Health Care Flexible Spending Account. You and your dependents can use funds to pay for eligible healthcare expenses not covered under your plans, such as medical, dental, vision, deductibles, coinsurance, prescription drug copays, over-the-counter (OTC) drugs that are prescribed, LASIK eye surgery, and more. For more information on eligible expenses, please review IRS Publication 502 on www.irs.gov.  

Maximum election to the HCFSA for the 2021 Calendar Year is: $2,750

Dependent Care Flexible Spending Account

You can use funds to pay for dependent daycare expenses, like charges for a daycare center, nursery school, or preschool, after-school programs for children under age 13, as well as eldercare. If you are married, your spouse must either be employed, a full-time student or disabled (unable to care for self) in order to enroll in the Dependent Care FSA. This account may not be used for healthcare expenses for your dependents.

Maximum election to the DCFSA for the 2021 Calendar Year is: $5,000

For Questions About Your Flexible Spending Account:

Visit bmsllc.net or Call 502.244.1161

BENEFITS SHOWCASE

Life and AD&D

Basic Life Insurance

In addition to health benefits, TARC also offers life insurance benefits to full-time employees. These benefits are intended to provide financial assistance for you and your beneficiaries in the event of an accident or death.

Through Unum, TARC provides basic term life insurance coverage to full-time active employees. The Basic Term Life coverage provides each eligible employee a benefit amount of $20,000 (note: TARC pays this premium in full).

Voluntary Life and AD&D Insurance

You have the option to purchase additional voluntary life for yourself, your spouse, and your child(ren). You must first have voluntary life insurance on yourself for your dependents to be eligible. You pay the full cost of this benefit through payroll deductions.

Please note: evidence of insurability will be required if you enroll after the initial eligibility period, or for amounts over the guaranteed-issue amount. If applicable, Evidence of Insurability should be submitted electronically through the link on ADP.

This is a summary of benefits only. Please refer to the plan summary and SPD for benefit details.

BENEFITS SHOWCASE

Short Term Disability

Group Short-Term Disability Insurance

TARC provides all full-time team members with short-term disability (STD) insurance, and pays the full cost of this benefit for you. In the event you become disabled from a non-work-related injury or sickness, disability income benefits are provided as a source of income.  

Voluntary Short-Term Disability Insurance

You have the option of purchasing additional STD protection and pay the full cost through payroll deductions. Benefits are outlined below and rate calculations can be found on page 20. This plan does not cover illness or injuries that are work related.

Please note: Evidence of insurability will be required if you enroll after the initial eligibility period. After enrolling on ADP, to Submit EOI you may click the “Submit EOI” link. If applicable, Evidence of Insurability should be submitted electronically through the link on ADP.

BENEFITS SHOWCASE

Other Voluntary Benefits

Medical Bridge Plan

Supplemental plans can help protect you from significant expenses not covered by your medical plan. A trip to the hospital can be stressful, and so can the bills. Even with a medical plan, you may still be responsible for deductibles, coinsurance and other out-of- pocket costs. A medical bridge plan provides supplemental payments that you can use to cover expenses that your medical plan doesn’t cover for hospital stays, ambulance service, surgery and certain inpatient or outpatient treatment.

You'll be able to elect coverage for yourself and your dependents during your enrollment period regardless of prior health history (please see plan documents for specific coverage details).

There are two Medical Bridge plans to choose from. The type of medical plan you have will determine which plan you should enroll in.

Keep in Mind

Supplemental plans are intended to enhance your medical plan. On their own, they don’t provide the minimum level of medical coverage needed to meet the Affordable Care Act requirement to have medical insurance.

Call Colonial at 800.325.4368

Accident Plan

Accidents can happen anytime, anywhere. If you experience a covered accident or injury (off the job), accident insurance from Colonial Life provides a lump-sum benefit, based on the type of service and/or type of off-the-job accident, that can be used to help you pay for out-of-pocket expenses, such as doctor bills, co-pays or emergency room fees. Your family members are eligible for coverage. Dependent children are eligible up to age 26.

Examples of benefits payable for covered accidents:

• $150 per emergency treatment in a doctor’s office, urgent care or ER
• $300 for ground ambulance
• $1,000 hospital admission
• $150 laceration with stiches less than 2”; $300 with stiches 2”-6”
• $300 hernia surgery

Call Colonial at 800.325.4368

Critical Illness with Cancer Plan

When a serious illness strikes, critical illness insurance can provide financial support to help you through a difficult time. It protects against the financial impact of certain illnesses. You receive a lump-sum benefit that you can use to cover out-of-pocket expenses for your treatment that are not covered by your medical plan.

Examples of critical illnesses:

• Heart attack
• Stroke
• Cancer

Lump-sum benefit:

• Pays lump-sum benefit from $5,000 to $75,000, depending on your election
• Guarantee issue up to $30,000

Call Colonial at 800.325.4368

BENEFITS SHOWCASE

Well-Being

Say Hello to Go365

It’s your personalized wellness and rewards program. Getting healthier is easier - and lots more fun - with Go365™. When it comes to health and wellness, you have your own approach, one that works for you. Go365 makes it easier to get moving along your path with more ways to start, more activities to unlock, and more ways to rack up rewards.

Unlock Activities

Go365 is all about you. You’ll receive activities personalized to help you reach your health goals, no matter where you are on your journey to better health. Just unlock your activities and earn points for higher status.

Stay Inspired

Getting healthier can be hard. Go365 makes it easier by connecting you to all the tools and resources you need to get there. Tracking your activity is a breeze - just connect your compatible apps or fitness devices and earn points for all your healthy activities.

Earn Rewards

Making healthier choices is a lot more fun with Go365. The more you move up in status, the more bucks you can earn and spend on great items in the Go365 Mall. Plus, bonus bucks, surprise rewards, and monthly jackpot drawings make getting healthy more fun!

More Points. Higher Status. Earning points pays off big with higher status levels

Get your spouse and kids involved too and see how fast you can move up in status.

Employee Assistance Program 

All team members and their household family members may utilize this FREE benefit from Human Development Company.

The Employee Assistance Program (EAP) is a confidential, short-term counseling service for you and your household family members who may need help. The EAP is provided and paid for by your employer. Caring, experienced professional counselors have helped thousands of people effectively deal with personal problems and concerns such as:

• Grief
• Stress
• Anxiety
• Depression
• Work Issues
• Marital/Relationship
• Suicidal Thoughts
• Legal or Financial
• Substance Abuse and more 

How It Works

The EAP provides assessment and referral services and short-term counseling to help you and your household family members work through life’s challenges. To schedule an appointment, call 502-589-HELP (4357), Monday-Friday 9 am - 5 pm.

If the matter is more urgent, call anytime, 24 hours a day, on weekends and holidays to talk with a caring, professional counselor.

The Human Development Company has local counseling offices and a collaborative network throughout the United States.

Questions?

Email info@humandev.com

Call 502.589.HELP (4357) or 800.877.8332 

Retirement Plans

TARC is a participating agency in Kentucky Retirement Systems and also offers participation in 401-K at Kentucky Deferred Compensation.