Welcome
Welcome to the 2023 US EQ + AST Virtual Benefits Fair! We've invited our benefit providers to present information to help you understand all the medical and voluntary programs we offer. Feel free to browse and share with those a part of your decision-making process, so you can take advantage of these valuable programs.
2023 Benefits
Effective January 1, 2023
Main Exhibition Hall
Click on a booth to visit
2023 Benefits
Effective January 1, 2023
Medical Insurance
EQ + AST is dedicated to maintaining and improving the health of our team members and is proud to offer you comprehensive, affordable and high-quality medical program options. With a focus on wellness, our medical programs are designed to provide protection for you and your family/dependents.
For 2023, EQ + AST will offer both PPO and high-deductible plan options through UnitedHealthcare (UHC). Our medical plans provide a comprehensive level of benefits structured to encourage preventative care and a broad national network of hospitals and physicians.
Medical Plan PPO Preferred Provider Organization
Medical Plan HDHP with HSA
2023 Benefits
Effective January 1, 2023
Prescription Benefits
If you're enrolled in one of EQ + AST's medical plans, you automatically have prescription drug coverage through Pharmacy Benefit Management. Your prescriptions are subject to your medical deductible and may be paid with available HSA dollars unless you are enrolled in the $1,000 PPO plan.
Whether it's for pharmacy pickup or at-home delivery, UHC provides the prescription access option you prefer. Certain controlled substances and prescriptions that have expired will require a new prescription from a doctor. Click the buttons below for more details about the plans.
2023 Benefits
Effective January 1, 2023
Flexible Spending Accounts
A flexible spending account (FSA) is an employee benefit that allows you to set aside pre-tax money from your paycheck to pay for healthcare and dependent care expenses – those not covered by your healthcare plan or elsewhere. It's a smart, simple way to save money, while keeping you and your family healthy and protected.
2023 Benefits
Effective January 1, 2023
Health Savings Account
An HSA is an account that lets you set aside money on a pre-tax basis to pay for qualified medical expenses, as defined in the tax law. By using pre-tax dollars in an HSA to pay for deductibles, copayments, coinsurance and other qualified expenses, including some dental, drug, and vision expenses, you can lower your overall healthcare costs. Please note that you can contribute to an HSA only if you have an HSA-eligible HDHP.
2023 Benefits
Effective January 1, 2023
Dental Insurance
Maintaining good oral hygiene is paramount to your overall health and wellness. That's why EQ + AST has partnered with Delta Dental, one of the largest carriers in the US, to provide our employees and their families with excellent dental coverage.
Use dental coverage through Delta Dental to help pay for the cost of routine checkups and just about any other type of dental work you might need, such as crowns or root canals. If you have an HSA or FSA, you can use these funds to cover eligible dental costs like your deductible or copay.
2023 Benefits
Effective January 1, 2023
Vision Insurance
Whether you have perfect vision or require some type of corrective lenses, preventive eye care is an important part of your overall health. VSP can help you offset the expensive costs of exams, frames, contact lenses, corrective surgery and more.
Additionally, regular eye examinations can not only determine your need for corrective eyewear but also may detect general health problems in their earliest stages. They can help identify early signs of diseases that impact your whole body such as high blood pressure, diabetes and high cholesterol. If you have an HSA or FSA, you can use these funds to cover eligible vision-related costs like your deductible, glasses or contact lenses.
2023 Benefits
Effective January 1, 2023
Life Insurance
Life insurance provides a tax-free payout that protects your family’s financial health in the event of death. This money replaces the income you provided and can be used for anything — funeral expenses, living expenses, mortgage payments, and even everyday bills and expenses.
When you purchase a life insurance policy, a robust-enough policy won’t just cover the basics but will cover your dependents’ future and standard of living as well.
There are two main types of life insurance: term and permanent. Term is valid for a certain number of years and provides coverage for that period of time. Permanent, on the other hand, is valid for your entire lifetime. EQ + AST only offers Term Life insurance.
2023 Benefits
Effective January 1, 2023
Disability and AD&D
If you're unable to work because of illness or injury, disability insurance can help with a monthly cash benefit until you're able to return to work. Accidental death and dismemberment (AD&D) insurance is a voluntary benefit intended to supplement your life insurance coverage and can help to offset costs or lost wages due to certain serious, irreversible injuries.
2023 Benefits
Effective January 1, 2023
Accident
Accident insurance pays benefits for accidental injuries. Consider the affect a common accident may have on your financial picture. Because you never know when you or someone in your family could get hurt in an accident, an accident insurance policy can be helpful when the unexpected happens.
2023 Benefits
Effective January 1, 2023
Critical Illness Insurance
While major medical insurance may pay for a good portion of the costs associated with an illness, there are many expenses that just aren't covered — from deductibles and copays to living expenses. With a critical illness policy, you can rest assured you'll be protected from extreme financial burdens in the event of severe illness or injury.
The voluntary critical illness coverage is designed to help offset the financial effects of a catastrophic illness with a lump-sum benefit if you're diagnosed with a qualified serious illness.
Critical illness insurance coverage can help pay for expenses such as rent, mortgage, or other daily-living expenses, as well as health-related expenses not covered by major medical insurance.
2023 Benefits
Effective January 1, 2023
Hospital Indemnity
Hospital indemnity insurance is supplemental medical insurance coverage that pays benefits if you are hospitalized. While health insurance pays for medical services after copays, co-insurance, and deductibles are met, hospital indemnity insurance pays you if you are hospitalized, regardless of any other coverage you may have.
2023 Benefits
Effective January 1, 2023
Retirement Savings Plan
Our 401(k) retirement savings plan gives you an easy way to save through payroll deductions, which are matched with company contributions. We offer eligible employees both a Traditional (pre-tax) and Roth (post-tax) 401(k) option administered by Principal.
We match 100% of your base pay pre-tax contributions up to the first 6% you contribute. That’s like free money to help your account grow faster!
2023 Benefits
Effective January 1, 2023
Legal Services and ID Theft
During these unprecedented times, it's important to safeguard not only our physical health, but our digital and financial health as well. With an identity-theft protection plan from IDShield and a legal protection plan from LegalShield, you can have peace of mind knowing your identity and legal rights are secure.
2023 Benefits
Effective January 1, 2023
Employee Assistance Program
An EAP provides a confidential source that you can use to find support and resources for certain challenges life can bring. The service connects employees to assessments, short-term counseling, referrals and follow-up services. Depending on the situation, employees can access certain services from the safety and privacy of their own home.
2023 Benefits
Effective January 1, 2023
HealthAdvocate
EQ + AST is partnering with HealthAdvocate to provide you with expert healthcare and insurance support, all at no cost to you. They’ll get to the heart of your issue, no matter how complex.
HealthAdvocate can help you:
- Get answers to your insurance and claims questions and resolve billing issues
- Find the right in-network doctors, make appointments and transfer medical records
- Make informed decisions about medical conditions and diagnoses
- Find and explore the latest treatment options and arrange second opinions
- Understand how your benefits work and clarify copays and deductibles
2023 Benefits
Effective January 1, 2023
Pet Insurance
Pet insurance is a form of insurance that's often overlooked by pet owners. But it can help save you from unexpected costs when your pet has an emergency. Pet insurance is a healthcare policy for your pet that provides reimbursement for specific health expenses covered by the policy.
