Cargo Largo appreciates your commitment to our success. We’re equally committed to providing you with competitive, affordable health and wellness benefits to help you take care of yourself and your family.
Please read this site carefully. It has a summary of your plan options and helpful tips for getting the most value from your benefit plans. We understand that you may have questions about annual enrollment, and we’ll do our best to help you understand your options and guide you through the process.
This site is not your only resource, anytime you have questions about benefits or the enrollment process, you can contact your human resources representative. Although this site contains an overview of benefits, for complete information about the plans available to you, please see the Carrier Contacts & Resources tab.
Enrollment is mandatory for all employees through UKG whether you are enrolling for the first time, keeping your benefits the same, making changes or waiving/canceling coverage.
If you are a new hire, a Benefits Specialist from Lockton will contact you via email and phone. Your enrollment must be completed no later than 30 days after your hire date or qualifying event date.
Please note:
Pre-tax benefits — Any deductions from payroll for medical, dental, vision, FSA and 401(k) will be taken on a pre-tax basis.
Post-tax benefits — Deductions from payroll for voluntary life, critical illness or accident benefits will be taken on a post-tax basis.
It is your responsibility to notify human resources within 30 days of the qualifying life event. Failure to do so may result in an inability to change your benefit election(s).
Here are some examples of qualifying life events:
Regular, full-time associates are eligible for the benefits described in this guide.
When benefits become effective: All benefits in this site are effective through 2024. If you are a new hire, your benefits are effective the first day of the month following 60 days of full-time employment.
In addition to enrolling yourself, you may enroll the following eligible dependents* in Cargo Largo’s medical, dental, vision, voluntary life and supplemental/worksite coverage: A spouse to whom you are legally married. A dependent child under age 26, according to the following guidelines:
*You will be required to submit any applicable dependent documentation upon enrolling your dependents in the medical, dental or vision coverage.
Newly hired/eligible employees
New hires and newly eligible associates MUST complete enrollment through UltiPro even if choosing to waive coverage.
Employees changing status from part-time to full-time
Benefits for associates moving from part-time to full-time go into effect the first of the month following the date the associate becomes full-time or when the associate has satisfied the new hire waiting period (first of the month following 60 days), whichever is greater.
Pre-tax benefits: Section 125
The company’s benefit plans utilize Section 125. This enables you to elect to pay premiums for health, dental, vision and flexible spending account coverage on a pre-tax basis. When you use pre-tax dollars, you will reduce your taxable income and have fewer taxes taken out of your paycheck.
Pre-tax note: When you pay for your dependent’s benefits on a pre-tax basis, you are certifying that the dependent meets the IRS’ definition of a dependent [IRC 152, 21 (b)(1) and 105 (b)]. Children/spouses do not satisfy the IRS’ definition will result in tax liability to you, such as changing that dependent’s election to a post-tax election or receiving imputed income on your W-2 for the dependent’s coverage that should not have been
The notice packet we provide is related to the health plan we offer and includes important information that Cargo Largo is required by the Department of Labor to share with you.
If you have a child eligible for Medicaid or the Children's Health Insurance Program (CHIP), these links shows you where to go for information in your state.
For questions on Cargo Largo’s benefits, please contact our Benefit Specialist at:
cargolargobenefits@lockton.com
866.331.2721
Monday thru Friday, 8 a.m. to 5 p.m. CT
Two of these plans are traditional PPO plans, and one is a qualified high deductible health plan (QHDHP). With these three plans, there are in-network and out-of-network benefits.
When savings is just as important as having quality care close to home
BlueSelect Plus is a high-performance network of healthcare providers specially designed to provide affordable access to quality care in and around the metro area. With this select network, your premiums will be lower based on the discounts Blue KC has negotiated with these providers.
The fourth plan is our Spira Care EPO. Spira Care Centers are an innovative new offering developed by Blue Cross and Blue Shield of Kansas City and a top healthcare provider. This plan offers comprehensive primary care with no additional cost for services, visits or procedures received at Spira Care Center locations. For needs outside of Spira Care Centers, you will have access to all of the benefits of the BlueSelect Plus provider network.
The PPO option has a lower deductible and set copays for doctor/specialist visits and prescriptions. This plan has a lower cost at point of service but higher monthly premiums.
The qualified high-deductible health plan (QHDHP) is combined with a tax-advantaged health savings account (HSA). This plan has a larger cost at point of service but lower monthly premiums than the PPO plans.
An EPO is an exclusive provider organization plan that requires members to use a set network of doctors, hospitals and other healthcare providers except in an emergency. EPO plans only cover services offered by in-network providers.
Click on the buttons below to see a comparison of each plan, for more detailed information provided by BlueKC and Spira Care go to the Carrier Contacts & Resources tab.
Spira Care Centers are about supporting your health with an array of advanced primary care services under one roof. It’s called Advanced Primary Care. Spira offers a wide range of advanced primary care services for newborns, infants, children, adolescents, adults and seniors. The Centers foster a partnership between you and your Care Team of doctors, physician assistants, nurse practitioners, behavioral health consultants and more. They treat you as an individual, not a set of symptoms. They take the time to listen, not rushing you in and out.
Learn more about these locations, including extended hours, and meet the Care Teams at spiracare.com. Not only will you find a location nearest to you but you can schedule an online appointment.
To help you understand the full value of the Blue KC plan with access to Spira Care Centers, here is a printable brochure in English and a printable brochure in Spanish you can use to learn more than we've included in this tab.
Spira Care Centers: No cost to you.
BlueSelect Plus network in the KC area:
Costs apply to your deductible.
National BlueCard network outside of the KC area:
Costs apply to your deductible.
Out-of-network: No out-of-network coverage except emergency services.
Q: How do I know if Spira Care is right for me?
A: This offering is crafted for members looking to simplify and personalize their healthcare experience. If you and your family’s health needs in the next year will largely fall within primary care, including routine labs, digital X-rays and routine behavioral health consultations, you can enjoy the peace of mind that comes with choosing a plan with Spira Care, where you’ll have the support of a Care Team and assistance with any services needed outside the Care Center and in your plan’s network.
Q: Are prescription services offered at Spira Care?
A: We do not have an on-site pharmacy or on-site prescription drug services. If part of your treatment plan includes a prescription medication,
we will facilitate prescription services through convenient mail order or at your preferred pharmacy at your regular cost-sharing level.
Q: Where can I go for needs beyond what is offered at Spira Care, like specialty care or emergency situations?
A: Outside of Spira Care Centers, you will have access to the BlueSelect Plus network for things like a visit to a specialist or an emergency room where costs are subject to your plan’s deductible. It is important for you to understand what hospitals and specialists are in-network based on your plan and costs associated with those services. Please refer to your Summary of Coverage and Benefits available at mybluekc.com.
Q: My employer is offering BlueSelect Plus as part of the Spira Care EPO plan. What does that mean?
When receiving care in the BlueSelect Plus network (Clinton, Clay, Jackson and Platte counties in Missouri, and Johnson and Wyandotte counties in Kansas).You have in-network coverage when using any of the 4,100+ providers and 12 hospitals in the seven counties in and around the Kansas City metro. Important note: All other hospitals (and their providers) in and around the Kansas City metro area that are not in the BlueSelect Plus network are considered out of network. Emergency services are always covered at the in-network cost-share.
There is no out-of-network coverage, when receiving care outside the BlueSelect Plus network within the 32-county Blue KC service area.
When receiving care outside the 32-county Blue KC service area (when traveling or on vacation, for example), you have access to the BlueCard network, which provides you in-network access to medical care in all 50 states and over 190 countries.
Knowing where to go for medical care can save you lots of time and money! It can also help get you the best care for your situation. Here are some general guidelines to assist you in determining the best option for you.
When you have any medical concern, your primary doctor can oversee your care, provide routine services and refer you to specialists, if necessary.
LOWEST COST
When you need care quickly, your primary doctor is not available and your condition is not life-threatening, go to urgent care. Some examples include:
MEDIUM COST
When you need immediate treatment of a serious or critical condition, go to the ER:
HIGHEST COST
As part of the Blue KC pharmacy benefits, you will have access to the Rx Savings Solutions tool. This online tool can help you find ways to save money on all of your prescriptions. Go to myrxss.com/bluekc to see your current savings opportunities or search any medication for savings. You can also review your prescription history and share with your doctor. Rx Savings Solutions’ experienced pharmacists can work directly with your doctor or pharmacist to make safe changes that save you money!
How to enroll:
For assistance, call 844.579.7774.
Blue KC has partnered with Rx Savings Solutions to bring you the Rx Rewards program. Now you can save money at the pharmacy and earn a $100 Visa® pre-paid card by simply switching to lower cost prescription alternatives. Plus, you can earn multiple rewards if you have more than one qualifying medication.
Traditional drugs
Specialty drugs
Preferred drugs offer the lowest specialty drug copay: Specialty drugs are generally more effective and less expensive than nonpreferred specialty drugs.
Non-preferred drugs are the highest specialty drug copay: These drugs have the highest copay for specialty drugs, usually because there may be a more cost-effective generic or preferred brand available.
Helpful cost savings tips
Mail order: Many drugs are available in a 90-day supply, rather than the 30-day retail supply. The Mail order cost is 3x the preferred copay.
Good Rx: You can save on prescription costs by utilizing online tools like GoodRx.com This platform provides an Rx database to help you find the most affordable pharmacy for your specific prescription. You may also find coupons directly from the drug manufacturers via their websites that may reduce your expenses. Keep in mind that some coupons can only be used outside of your prescription plan and will not count towards your annual out-of-pocket maximums.
For questions on Cargo Largo’s benefits, please contact our Benefit Specialist at:
cargolargobenefits@lockton.com
866.331.2721
Monday thru Friday, 8 a.m. to 5 p.m. CT
You can schedule and “see” a doctor online from your phone, tablet or computer through the MyBlueKC mobile app or on the web at mybluekc.com. With telehealth services, you can take care of most common medical issues, like colds, flu, fever, rash, abdominal pain, sinusitis, pinkeye, ear infection, migraines and more. It’s free to enroll, and you will never pay more than $59 per visit.
Download the MyBlueKC mobile app or visit bluekcvirtualcare.com.
Go to mybluekc.com to access your health insurance information:
Registration is simple! If you’ve already registered on our website, mybluekc.com, you can use that same login for the app. Otherwise, follow the steps to easily register. The app provides a customized experience based on your plan and coverage. Also check out the Care Management App that Blue KC offers!
SmartShopper allows you to shop for routine procedures, preventive exams, imaging scans and scheduled surgeries, compare costs, and earn cash rewards for choosing cost-effective, in-network options. The reward you receive will vary depending on the procedure. To start shopping using SmartShopper, simply log into the Blue KC member portal and go to the Find Care page.
When your doctor recommends a medical service or test, call the Personal Assistant Team at 866.820.6426 or visit SmartShopper online to find a well-priced, high-quality location in your area.
Have your service at one of the facilities or location on the SmartShopper list. You can earn rewards on routine services and common procedures.
Four to six weeks after the service, SmartShopper mails a check to your home. No forms. No hassle. It’s that easy.
Blue KC offers a preventive health benefit, at no member cost, designed to help participants adopt healthy lifestyle habits and reduce their risk of developing Type 2 diabetes.
This program is for those who are at risk for developing the condition and focuses not only on improving habits, like increasing activity and adjusting food choices, but managing the challenges that come with making such lifestyle changes.
If you think you may be at risk, we encourage you to visit Soler4Me's Website and take the short quiz. If eligible, you are then matched with a program that best suits your preferences. Options include in-person, telephonic or virtual coaching all offered at no cost to the member. For more information, please see the Lifestyle Program Flyer.
If you or a covered dependent already have type 1 or 2 diabetes, Blue KC offers a program through Livongo which gives our members assistance with understanding and controlling their blood sugar.
The Livongo program provides members with a connected glucose monitor, coaching support and unlimited test strips and lancets- all at no cost to the member. The real-time monitoring allows for personalized tips and support. The unlimited supplies can be ordered from the glucose monitor and shipped directly to your home.
To enroll in the program, go to the Livongo's website or visit the flyer for Blue KC's Livongo Diabetes Program.
For questions on Cargo Largo’s benefits, please contact our Benefit Specialist at:
cargolargobenefits@lockton.com
866.331.2721
Monday thru Friday, 8 a.m. to 5 p.m. CT
An HSA is a personal healthcare bank account you can use to pay out-of-pocket medical expenses with pre-tax dollars. If you enroll in a high-deductible health plan, you can open an HSA.
You own and administer your HSA. You determine how much you contribute to your account, when to use your money to pay for qualified medical expenses, and when to reimburse yourself. Remember, this is a bank account; you must have money in the account before you can spend it.
HSAs offer you the following advantages:
The annual contribution limit is inclusive of the amount Cargo Largo contributes on your behalf.
You are eligible to open and fund an HSA if:
When you initially enroll in the QHDHP (HSA) Medical Plan and open your HSA with UMB Bank, Cargo Largo will contribute $300 to your HSA Account. The employer portion will be deposited into your HSA account in monthly contributions of $25.
If you are an individual under age 55, you can deposit $4,300 and for a family you can deposit $8,550. If you are age 55 and older (not enrolled in Medicare) you can deposit an extra $1,000 as a "catch-up" contribution.
For more information: Access the UMB customer website at hsa.umb.com or call 866.520.4HSA (4472).
HSA distributions are tax-free if they are used to pay for qualified medical expenses, including:
Distributions made for any other purpose are subject to income tax and a 20% penalty. The 20% penalty is waived in the case of death or disability. The 20% penalty is also waived for distributions made by individuals age 65 or older.
The IRS provides a list of eligible services and products that you can purchase with your HSA. It is your responsibility to make sure you are eligible to contribute to your HSA, your contributions are within the IRS limits, and you are using your HSA for qualified medical expenses. For more details, see (Publication 969) by clicking HERE. Once there go to the current revision and choose (Publication 969 PDF) to learn more about this type of account. Visit irs.gov for a list of qualified medical expenses (Publication 502).
A great way to plan ahead and save money over the course of a year is to participate in an FSA. An FSA lets you redirect a portion of your salary on a pre-tax basis into a reimbursement account, saving you money on taxes. Each year that you would like to participate in the FSAs, you must elect the amount you want to contribute.
Annual contribution limits
|
Healthcare flexible spending account |
Dependent care flexible spending account |
Limited-purpose flexible spending account |
|
$3,300 per household* |
$5,000 filed jointly or $2,500 filed individually* |
$3,300 per household* |
|
*IRS limits subject to change. |
||
Eligible healthcare expenses include many of the out-of-pocket expenses you pay to maintain your health and well-being. These include deductibles and coinsurance expenses not covered by your medical plan, expenses for glasses or contact lenses, and more. Funds in the healthcare FSA are available at the beginning of the plan year and can be used for your expenses and those of your spouse and dependents, even if you and your family aren’t covered by our healthcare plan.
Dependent care FSAs allow you to set aside money pre-tax to pay eligible out-of-pocket day care expenses so that you or your spouse can work or attend school full-time. These include expenses for the care of a dependent child up to age of 13, a spouse who is physically or mentally incapable of self-care, or any adult you can claim as a dependent on your tax return that is physically or mentally unable to care for him/herself. Eligible expenses include babysitters, nursery schools and day care centers. Only the portions of expense that enable you to remain employed are eligible. Educational expenses are not eligible. You must contribute money through payroll deduction to your dependent care FSA before you can spend it.
If you are enrolled in the HSA plan, you are eligible to enroll in the limited-purpose flexible spending account. IRS rules state that you cannot have both an HSA and healthcare FSA since both apply funds toward your medical expenses. A limited-purpose FSA allows you to continue to contribute to an HSA. The limited-purpose account is set up to reimburse only eligible FSA dental and vision expenses.
Important: The IRS rules prohibit an employee from having a Healthcare FSA and an HSA at the same time. In order for you to be able to fund and use an HSA beginning January 1, 2024, there can be no balance in your Healthcare FSA after December 31, 2023. We are notifying you now so that there is plenty of time to spend your FSA funds.
The IRS provides a list of eligible services and products that you can purchase with your FSA. It is your responsibility to make sure you are eligible to contribute to your FSA, your contributions are within the IRS limits, and you are using your FSA for qualified medical expenses. For more details, see (Publication 969) by clicking HERE. Once there go to the current revision and choose (Publication 969 PDF) to learn more about this type of account. Visit irs.gov for a list of qualified medical expenses (Publication 502).
Enroll in an FSA during your employer’s benefits open enrollment period or during your initial enrollment if you are a new hire. Once you have determined your annual FSA election, your employer deducts the amount from your pay in equal amounts throughout the year, before taxes.
Note: Even if you enrolled last year, you must enroll again this year.
How do I get reimbursed from my FSA?
Visit healthequity.com for more information about flexible spending accounts, including a list of eligible expenses and an interactive contribution and tax-savings calculator.
Employees enrolled in the healthcare FSA will receive a HealthEquity/WageWorks healthcare card, making it quick and easy to pay for eligible healthcare expenses. Use it to make a copayment at a doctor’s office, purchase prescriptions at the pharmacy, buy a new pair of glasses, and more!
If you are currently enrolled in the FSA, remember that you have a grace period extension for 2024 expenses. Eligible 2024 healthcare and dependent care expenses must be incurred no later than March 15, 2025. To receive reimbursement for (grace period) funds, you must submit claims no later than May 31, 2025. Claims need to be submitted via Health Equity’s website. You will not be able to use your FSA card to claim reimbursement on grace period claims. These reimbursement requests must be filed electronically.
Changes to your FSA elections can be made only during open enrollment or if you experience a qualifying event.
For questions on Cargo Largo’s benefits, please contact our Benefit Specialist at:
cargolargobenefits@lockton.com
866.331.2721
Monday thru Friday, 8 a.m. to 5 p.m. CT
Cargo Largo offers you a choice of two dental plans through Ameritas. You select the plan that best suits your coverage and financial needs. In addition to protecting your smile, dental insurance helps pay for dental care and usually includes regular checkups, cleaning and X-rays. Several studies suggest that oral diseases, such as periodontitis (gum disease), can affect other areas of your body — including your heart. Receiving regular dental care can protect you and your family from the high cost of dental disease and surgery.
Your dental plans utilize the Ameritas network, which is one of the five largest in the nation. This plan allows you and your family members to see any dentist you choose, regardless if they are in- or out-of-network. With that being said, you will pay less out of pocket if you choose an in-network provider. Dentists in the Ameritas network have agreed to charge you 25%-50% less than their regular rates, and many of them also offer discounted fees on non-covered dental services as allowed by state law. If you see an out-of-network provider, you may be balance billed.
Dental exams can tell your doctor a lot about your overall health. It’s important to schedule regular exams to help detect significant medical conditions before they become serious.
Click on the button below to see a comparison of each plan, for more detailed information provided by Ameritas go to the Carrier Contacts & Resources tab.
Your dental plans include a valuable feature that allows plan members to carry over part of their unused annual maximum. A member must submit at least one claim during the benefit year while staying at or under the plan-specific threshold amount. Earn an extra reward, called the PPO Bonus, by seeing a network provider. Employees and their covered dependents may accumulate rewards up to the stated maximum carryover amount, then use those rewards for any covered dental procedures subject to applicable coinsurance and plan provisions. If a plan member doesn’t submit a dental claim during a benefit year, all accumulated rewards will be lost, but they can begin earning rewards again the very next year.
|
|
|
|
|
Benefit threshold |
$500 |
Dental benefits received for the year cannot exceed this amount |
|
Annual carryover amount |
$250 |
Dental rewards amount is added to the following year’s maximum |
|
Annual PPO bonus |
$100 |
Additional bonus is earned if the member sees a network provider |
|
Maximum carryover |
$1,000 |
Maximum possible accumulation for dental rewards and PPO bonus combined |
Create your secure online account that houses your ID card, you can review plan details, check a provider, locate a claim and view claim status.
Additional plan benefits found in your secure member account:
Watch this short video to learn more about navigating your secure member account.
Located in your secure member account, the dental cost estimator lets you compare estimated procedure charges based on ZIP Code. You can search estimates for both in-network and out-of-network providers. Ask your dentist to submit a pretreatment estimate for any dental work you consider expensive. Then Ameritas will let you know the amount insurance will cover so you can budget for the remainder. The pretreatment estimate is based on your plan benefits and submitted claims.
You can use your dental benefits with any provider. The thing to consider is out-of-network dentists will charge you their regular rates, whereas Ameritas network providers have agreed to charge you 25-50% less. After your plan benefits are applied, you pay the remaining balance.
Visit ameritas.com to find a new dentist or see if your current provider is in the Ameritas Dental Network. Your provider network is Ameritas Classic and Plus Network. For a list of providers that allow you to use your in-network benefits in Mexico, select find a contracted provider in Mexico.
Nominate your dentist
If your dentist is not in the network already, nominate a provider by completing the online form.
Periodontal disease is known to trigger the body’s inflammation response and adversely affect a number of different organs.
Other health concerns: Periodontal disease is a cause for concern for pregnant women and diabetics. Expecting mothers who have gum disease are said to be four to seven times more likely to have a baby that is born too early or too small. Nearly 95 percent of Americans who have diabetes also have periodontal disease. Studies strongly suggest that this disease has the ability to disrupt blood sugar levels.
A distinct connection exists between the health of your mouth and that of your body. Research shows more than 120 illnesses can be identified in the mouth through a dental exam, including osteoporosis, bulimia, diabetes and oral cancer. Even more importantly, an unhealthy mouth can have harmful effects on the heart, kidneys, lungs, pancreas and brain.
According to the Centers for Disease Control and Prevention, nearly one out of two Americans, 30 years of age or older, has periodontal disease. This translates to 64.7 million individuals with a mild, moderate or severe form of this gum condition.
Periodontal disease is a chronic bacterial infection that affects your gums and the bone supporting your teeth. It can occur for many reasons, including poor hygiene, unhealthy diet, smoking and stress.
Early gum disease, known as gingivitis, is characterized by red, swollen, bleeding gums. In this milder form of the disease, only the gums are affected. At this stage, the condition is treated with a proper oral health regime and regular dental visits. Gingivitis is usually reversible.
In the later stage of the disease, called periodontitis, gums are seriously damaged. Gums begin to pull away from the teeth, and supporting bone may be lost. This stage is irreversible and could require surgical treatments.
Sources: Academy of General Dentistry, American Dental Association, American College of Prosthodontists, Centers for Disease Control, Dental Management of the Medically Compromised Patient (7th ed.).
Maintaining good oral health practices is essential to keeping your natural teeth strong and healthy as you age.
Establishing and maintaining good oral health is essential to your overall health and wellness.
To prevent gum disease, be sure to:
For questions on Cargo Largo’s benefits, please contact our Benefit Specialist at:
cargolargobenefits@lockton.com
866.331.2721
Monday thru Friday, 8 a.m. to 5 p.m. CT
Cargo Largo partners with Ameritas and offers two vision plans to choose from. Both vision plans help you save money and maintain healthy eyes and sharper vision. Compare the networks, plan summaries and additional details to determine which plan better fits your needs. Vision care benefits include coverage for eye exams, standard lenses and frames, and contact lenses.
Eye exams can tell your doctor a lot about your overall health. It’s important to schedule regular exams to help detect significant medical conditions before they become serious.
Click on the button below to see your vision network overview, for more detailed information provided by Ameritas go to the Carrier Contacts & Resources tab.
VSP has the largest network of independent doctors nationwide. Retailers include Costco Optical, Sam’s Club, Visionworks and Walmart. See the network providers in your area at vsp.com.
Online in-network options
eyeconic.com is VSP’s in-network online eyewear store. Vision benefits are applied directly to the online order.
VSP benefits are easy to use
Five of the top six national retail chains accept EyeMed, including LensCrafters, Pearle Vision and Target Optical. See network providers in your area at eyemed.com.
Online in-network options
Glasses.com and Contacts Direct are in the EyeMed network, and your vision benefits are applied directly to your online order.
EyeMed benefits are easy to use
Just as your primary care physician may listen to your heartbeat and check your blood pressure to monitor your heart rate, your eye doctor examines your eyes to get a clear look into your cardiovascular system. In fact, the eye is one of the only areas of the body where doctors have an unobstructed view of blood vessels. A full eye examination may reveal the first signs of serious heart conditions, including high blood pressure, before symptoms show up elsewhere in the body. And if not managed effectively, many of these cardiovascular conditions can lead to vision loss, too.
As part of your exam, your eye doctor may examine the retina to view small changes in the blood vessels in the back of the eye. This test can detect more serious diseases and is painless and noninvasive. Recent advancements such as digital retinal imaging enable your eye doctor to monitor all the structures of the retina over time.
Known as the “silent” disease because its victims often lack symptoms, high blood pressure affects about one in three adults in the United States — while more than one in five people don’t even know they have it.1 A comprehensive eye exam, however, may uncover early signs of cardiovascular disease.
Your eye doctor can check for subtle changes in the retina that result from high blood pressure, a condition called hypertensive retinopathy.2 If your eye doctor sees these changes, he or she can refer you to your primary care physician, who can recommend further testing and treatment.
In some cases, vision loss can occur due to hemorrhages or hypertensive retinopathy. This condition happens when blood obstructs the retina, the eye is deprived of oxygen or the macula (the central part of the eye) swells. Obstruction of the arteries and blood vessels in the retina can be temporary or permanent.3
By maintaining a healthy lifestyle, you can help avoid risk factors that may affect heart health and vision. Take care of your heart and eyes by following these steps:
Exercise regularly
Maintain a proper weight
Eat a heart-healthy diet rich in omega-3 fatty acids, antioxidants and soluble fiber
Consult with your medical doctor before starting any exercise or diet program. And don’t forget to see your eye care professional for regular eye exams. Your eyes and heart will thank you.
1 National Library of Medicine, National Institutes of Health
2 American Heart Association, “Understand Your Risk for High Blood Pressure,”
3 Harvard Medical School, “Eye Exams, High Blood Pressure Symptoms & Diabetes Symptoms,”
For questions on Cargo Largo’s benefits, please contact our Benefit Specialist at:
cargolargobenefits@lockton.com
866.331.2721
Monday thru Friday, 8 a.m. to 5 p.m. CT
Cargo Largo has partnered with CuraLinc (SupportLinc) for your employee assistance program. SupportLinc offers expert guidance to help you address and resolve everyday issues.
In-the-moment support and short-term counseling services: Reach a licensed clinician by phone 24/7/365 to address concerns such as work-related pressures, depression, stress, anxiety, relationship problems or substance abuse. You can also access up to six counseling sessions, in-person or via video, at no cost to you.
On the web: Your one-stop shop for program support, resources and more.
Convenient, on-the-go support:
For more information and resources:
Your behavioral health impacts your ability to function in everyday life and your concept of self. Stress, depression, anxiety, substance use and other behavioral health issues can affect how you manage your physical health and daily living challenges. When you’re in touch with your behavioral health, you can take better care of the whole you.
Mindful Advocates are just one call away and available 24/7 at 833.302.MIND (6463) or by calling the behavioral health number on your ID card.
Mindful Advocates are licensed behavioral health clinicians who are experts at:
How to help someone who might be thinking about suicide and where to go to get help.
For questions on Cargo Largo’s benefits, please contact our Benefit Specialist at:
cargolargobenefits@lockton.com
866.331.2721
Monday thru Friday, 8 a.m. to 5 p.m. CT
Cargo Largo’s comprehensive benefits package includes financial protection for you and your family in the event of an accident or death. Group term life and AD&D coverage are provided automatically at no cost to you.
In the event of your death, the life insurance policy provides a benefit to the beneficiary you designate. If your death is the result of an accident or if an accident leaves you with a covered debilitating injury, you are covered under the AD&D insurance for the same amount.
|
Basic life and AD&D benefit |
Your original life/AD&D benefit will reduce as follows: |
|
|
Employee |
$20,000 |
To 65% at age 65 To 40% at age 70 To 20% at age 75 |
Need more information? Go to the Carrier Contacts & Resources tab.
Cargo Largo offers you the option of purchasing additional life insurance through Voya.
You may enroll in coverage:
During open enrollment employees and spouses can enroll in new coverage or increase current coverage up to the guaranteed issue amount with no medical questions. Evidence of insurability (EOI) is required if you are electing coverage over the guaranteed issue amount. You will receive a letter or email from Voya with instructions and a unique link to submit your EOI form online.
Monthly supplemental life rates
|
Age |
Rate per $1,000 |
|
Under 30 |
$0.084 |
|
30-34 |
$0.084 |
|
35-39 |
$0.104 |
|
40-44 |
$0.148 |
|
45-49 |
$0.224 |
|
50-54 |
$0.348 |
|
55-59 |
$0.576 |
|
60-64 |
$0.732 |
|
65-69 |
$1.112 |
|
70+ |
$2.196 |
|
Child(ren) rate |
$0.148 |
Please note, once you have turned 65, the face amount of your life benefit will reduce according to the schedule below:
At age 65 reduces to 65%
At age 70 reduces to 40%
At age 75 reduces to 20%
Need more information? Go to the Carrier Contacts & Resources tab.
No one really wants to think about life insurance. But if someone depends on you financially, it’s a topic you can’t avoid. Getting life insurance doesn’t have to be hard (or boring). We have some answers to common questions about life insurance so that you can make informed decisions about protecting your loved ones financially.
Go to Life Happens.org to learn about life insurance, disability insurance, Long-term care insurance and annuities.
For questions on Cargo Largo’s benefits, please contact our Benefit Specialist at:
cargolargobenefits@lockton.com
866.331.2721
Monday thru Friday, 8 a.m. to 5 p.m. CT
Short-term disability insurance pays a portion of your earnings if you cannot work due to a non-work-related illness or injury. You must meet the definition of disability for benefits to be payable. Disability payments do not begin until the end of the elimination period. Your weekly benefit amount will be 60% of your pay, to a weekly benefit maximum of $600. Your benefits begin on the 15th day for an accident or illness and will last for 11 weeks.
Note: You must use accrued paid time off (PTO) days for the first 14 working days. If you do not have any accrued remaining, these days will be taken at no pay. Maternity leave is recognized as a disability and eligible for STD for the first six weeks (for natural delivery) or eight weeks (for cesarean delivery) unless proof for further disability is provided from your physician.
Need more information? Go to the Carrier Contacts & Resources tab.
Cargo Largo provides you income protection in the form of long-term disability coverage. Long-term disability insurance is designed to pay a monthly benefit to you in the event that you cannot work due to a covered illness or injury. This benefit replaces a portion of your income, thus helping you meet your financial commitments in a time of need. The cost of this coverage is paid entirely by Cargo Largo. If you have questions about your long-term disability benefit, please see the Carrier Contacts & Resources tab.
For questions on Cargo Largo’s benefits, please contact our Benefit Specialist at:
cargolargobenefits@lockton.com
866.331.2721
Monday thru Friday, 8 a.m. to 5 p.m. CT
As your partner in health and wellness, Blue KC offers a program fittingly called: A Healthier You. No matter how healthy you consider yourself today, we are here to help you live even better and earn points and rewards along the way. Over the course of your designated wellness program year, you’ll have nearly endless opportunities to engage with your health. The personalized recommendations on your dashboard will help you narrow in on actions that make most sense for you.
Associates on the medical plan can avoid a medical premium surcharge in 2026 by completing an annual preventive exam. Complete your annual preventive exam with your physician. Any annual preventive exams completed between November 1, 2024 and October 31, 2025 will count for this requirement. Completion will be counted once the claim for the visit is processed. This can typically take up to 30 days after the visit. View directions here on how to make your annual covered preventive visit appointment. Please indicate you would like your annual covered preventive exam. Blue KC covers preventive exams one time per calendar year. Need to find a doctor?
Accessing A Healthier You is simple! Log in to MyBlueKC.com or the MyBlueKC app, then click on Health and Wellness to view A Healthier You.
The A Healthier You program gives you convenient online and mobile access to wellness tools that you can use to live your healthiest life. Plus, you’ll earn points that can be redeemed for chances to win gift cards to some popular retailers.
There are many categories in which you can earn points in the member portal. See all point earning options here. Once you have earned points, learn how to enter those points in our monthly gift card sweepstakes drawings.
For questions on Cargo Largo’s benefits, please contact our Benefit Specialist at:
cargolargobenefits@lockton.com
866.331.2721
Monday thru Friday, 8 a.m. to 5 p.m. CT
Weekly rates
|
|
|
|
Employee |
$1.83 |
|
Employee + spouse |
$3.66 |
|
Employee + child(ren) |
$3.93 |
|
Family |
$5.76 |
|
ER |
$250 |
|
X-Ray |
$75 |
|
Broken upper arm |
$2,100 |
|
Follow-up visit |
$90 |
|
Total money received from plan. |
$2,515 |
Popular with those planning to have children, who are older or have conditions that subject them to a higher risk of hospitalization, and/or are covered by an HDHP.
Pre-existing conditions are waived!
Benefits are payable for both admissions and additional days spent in the hospital.
Weekly rates
|
|
|
|
Employee |
$3.74 |
|
Employee + spouse |
$7.58 |
|
Employee + child(ren) |
$7.15 |
|
Family |
$10.98 |
|
Hospital admission |
$1,000 |
|
Daily confinement ($100 X two days) |
$200 |
|
Total money received from plan. |
$1,200 |
Weekly rates
|
Age |
Employee benefit |
Spouse benefit |
||
|
$10,000 |
$20,000 |
$5,000 |
$10,000 |
|
|
< 30 |
$1.99 |
$1.98 |
$0.50 |
$0.99 |
|
30-39 |
$1.29 |
$2.58 |
$0.65 |
$1.29 |
|
40-49 |
$2.26 |
$2.52 |
$1.13 |
$2.26 |
|
50-59 |
$3.99 |
$7.98 |
$2.00 |
$3.99 |
|
60-69 |
$5.56 |
$11.12 |
$2.78 |
$5.562 |
|
70+ |
$10.25 |
$20.49 |
$5.12 |
$10.25 |
|
Child(ren) |
|
|
Coverage amount |
|
|
$5,000 |
$0.57 |
|
$10,000 |
$1.13 |
For questions on Cargo Largo’s benefits, please contact our Benefit Specialist at:
cargolargobenefits@lockton.com
866.331.2721
Monday thru Friday, 8 a.m. to 5 p.m. CT
Balance Billing
When a provider bills you for the balance remaining on the bill that your plan doesn’t cover. This amount is the difference between the actual billed amount and the allowed amount. For example, if the provider’s charge is $200 and the allowed amount is $110, the provider may bill you for the remaining $90. This happens most often when you see an out-of-network provider. A network provider may not bill you for covered services.
Claim
A request for a benefit (including reimbursement of a health care expense) made by you or your health care provider to your health insurer or plan for items or services you think are covered.
Coinsurance
Your share of the costs of a covered health care service, calculated as a percentage (for example, 20%) of the allowed amount for the service. You generally pay coinsurance plus any deductibles you owe. (For example, if the health insurance or plan’s allowed amount for an office visit is $100 and you’ve met your deductible, your coinsurance payment of 20% would be $20. The health insurance or plan pays the rest of the allowed amount.)
Copay
A fixed amount (for example, $15) you pay for a covered health care service, usually when you receive the service. The amount can vary by the type of covered health care service.
Cost Sharing
Your share of costs for services that a plan covers that you must pay out of your own pocket (sometimes called out-of-pocket costs). Some examples of cost sharing are copayments, deductibles, and coinsurance. Family cost sharing is the share of cost for deductibles and out-of-pocket costs you and your spouse and/or child(ren) must pay out of your own pocket. Other costs, including your premiums, penalties you may have to pay, or the cost of care a plan doesn’t cover usually aren’t considered cost sharing.
Deductible
An amount you could owe during a coverage period (usually one year) for covered health care services before your plan begins to pay. An overall deductible applies to all or almost all covered items and services. A plan with an overall deductible may
also have separate deductibles that apply to specific services or groups of services. A plan may also have only separate deductibles. (For example, if your deductible is $1,000, your plan won’t pay anything until you’ve met your $1,000 deductible for covered health care services subject to the deductible.)
Embedded Deductible
If you are on a family medical plan with an embedded deductible, your plan contains two components: an individual deductible and a family deductible. Having two components to the deductible allows each member of your family to have your insurance policy cover their medical bills prior to the entire dollar amount of the family deductible being met. The individual deductible is embedded in the family deductible.
Explanation of Benefits (EOB)
An EOB is a statement from the insurance company showing how claims were processed. The EOB tells you what portion of the claim was paid to the healthcare provider and what portion of the payment, if any, you are responsible for.
Emergency Medical Transportation
Ambulance services for an emergency medical condition. Types of emergency medical transportation may include transportation by air, land, or sea. Your plan may not cover all types of emergency medical transportation, or may pay less for certain types.
Emergency Room Care/Emergency Services Services to check for an emergency medical condition and treat you to keep an emergency medical condition from getting worse. These services may be provided in a licensed hospital’s emergency room or other place that provides care for emergency medical conditions.
Health Insurance
A contract that requires a health insurer to pay some or all of your health care costs in exchange for a premium. A health insurance contract may also be called a “policy” or “plan”.
Hospitalization
Care in a hospital that requires admission as an inpatient and usually requires an overnight stay. Some plans may consider an overnight stay for observation as outpatient care instead of inpatient care.
Hospital Outpatient Care
Care in a hospital that usually doesn’t require an overnight stay.
Individual Responsibility Requirement
Sometimes called the “individual mandate”, the duty you may have to be enrolled in health coverage that provides minimum essential coverage. If you don’t have minimum essential coverage, you may have to pay a penalty when you file your federal income tax return unless you qualify for a health coverage exemption.
In-network Coinsurance
Your share (for example, 20%) of the allowed amount for covered healthcare services. Your share is usually lower for in-network covered services.
In-network Copayment
A fixed amount (for example, $15) you pay for covered health care services to providers who contract with your health insurance or plan. In-network copayments usually are less than out-of-network copayments.
Maximum Out-of-Pocket Limit
Yearly amount the federal government sets as the most each individual or family can be required to pay in cost sharing during the plan year for covered, in-network services. Applies to most types of health plans and insurance. This amount may be higher than the out-of-pocket limits stated for your plan.
Network Provider (Preferred Provider)
A provider who has a contract with your health insurer or plan who has agreed to provide services to members of a plan. You will pay less if you see a provider in the network. Also called “preferred provider” or “participating provider.”
Out-of-Network Coinsurance
Your share (for example, 40%) of the allowed amount for covered health care services to providers who don’t contract with your health insurance or plan. Out-of-network coinsurance usually costs you more than in-network coinsurance.
Out-of-Network Copayment
A fixed amount (for example, $30) you pay for covered health care services from providers who do not contract with your health insurance or plan. Out-of-network copayments usually are more than in-network copayments.
Out-of-network Provider (Non-Preferred Provider)
A provider who doesn’t have a contract with your plan to provide services. If your plan covers out-of-network services, you’ll usually pay more to see an out-of-network provider than a preferred provider. Your policy will explain what those costs may be. May also be called “non-preferred” or “non-participating” instead of “out-of-network provider”.
Out-of-Pocket Limit
The most you could pay during a coverage period (usually one year) for your share of the costs of covered services. After you meet this limit the plan will usually pay 100% of the allowed amount. This limit helps you plan for health care costs. This limit never includes your premium, balance-billed charges or health care your plan doesn’t cover. Some plans don’t count all of your copayments, deductibles, coinsurance payments, out-of-network payments, or other expenses toward this limit.
Plan
Health coverage issued to you directly through an employer, union or other group sponsor (employer group plan) that provides coverage for certain health care costs. Also called "health insurance plan", "policy", "health insurance policy" or "health insurance".
Preauthorization
A decision by your health insurer or plan that a health care service, treatment plan, prescription drug or durable medical equipment (DME) is medically necessary. Sometimes called prior authorization, prior approval or precertification. Your health insurance or plan may require preauthorization for certain services before you receive them, except in an emergency. Preauthorization isn’t a promise your health insurance or plan will cover the cost.
Premium
The amount that must be paid for your health insurance or plan. You and/or your employer usually pay it monthly, quarterly, or yearly.
Prescription Drug Coverage
Coverage under a plan that helps pay for prescription drugs. If the plan’s formulary uses “tiers” (levels), prescription drugs are grouped together by type or cost. The amount you'll pay in cost sharing will be different for each "tier" of covered prescription drugs.
Preventive Care (Preventive Service)
Routine health care, including screenings, check-ups, and patient counseling, to prevent or discover illness, disease, or other health problems.
Primary Care Provider
A physician, including an M.D. (Medical Doctor) or D.O. (Doctor of Osteopathic Medicine), nurse practitioner, clinical nurse specialist, or physician assistant, as allowed under state law and the terms of the plan, who provides, coordinates, or helps you access a range of health care services.
Provider
An individual or facility that provides health care services. Some examples of a provider include a doctor, nurse, chiropractor, physician assistant, hospital, surgical center, skilled nursing facility, and rehabilitation center. The plan may require the provider to be licensed, certified, or accredited as required by state law.
Reasonable and Customary
The amount of money a health plan determines is the normal or acceptable range of charges for a specific health-related service or medical procedure. If your healthcare provider submits higher charges than what the health plan considers normal or acceptable, you may have to pay the difference.
Referral
A written order from your primary care provider for you to see a specialist or get certain health care services. In many health maintenance organizations (HMOs), you need to get a referral before you can get health care services from anyone except your primary care provider. If you don’t get a referral first, the plan may not pay for the services.
Rehabilitation Services
Health care services that help a person keep, get back, or improve skills and functioning for daily living that have been lost or impaired because a person was sick, hurt, or disabled. These services may include physical and occupational therapy, speech-language pathology, and psychiatric rehabilitation services in a variety of inpatient and/or outpatient settings.
Screening
A type of preventive care that includes tests or exams to detect the presence of something, usually performed when you have no symptoms, signs, or prevailing medical history of a disease or condition.
Specialist
A provider focusing on a specific area of medicine or a group of patients to diagnose, manage, prevent, or treat certain types of symptoms and conditions.
Specialty Drug
A type of prescription drug that, in general, requires special handling or ongoing monitoring and assessment by a health care professional, or is relatively difficult to dispense. Generally, specialty drugs are the most expensive drugs on a formulary.
UCR (Usual, Customary and Reasonable)
The amount paid for a medical service in a geographic area based on what providers in the area usually charge for the same or similar medical service. The UCR amount sometimes is used to determine the allowed amount.
Urgent Care
Care for an illness, injury, or condition serious enough that a reasonable person would seek care right away, but not so severe as to require emergency room care.
For questions on Cargo Largo’s benefits, please contact our Benefit Specialist at:
cargolargobenefits@lockton.com
866.331.2721
Monday thru Friday, 8 a.m. to 5 p.m. CT
This decision-support tool helps you choose the health plan that will likely result in the lowest overall cost and best value given anticipated medical needs. After answering a few multiple-choice questions, the proprietary algorithms provide a personalized financial analysis and plan comparison, which considers premiums, HSA contributions, and expected out-of-pocket costs (co-pays, deductibles).
There’s also a built-in educational tool for voluntary benefits with videos to help you learn about all the options available to you and your family
For questions on Cargo Largo’s benefits, please contact our Benefit Specialist at:
cargolargobenefits@lockton.com
866.331.2721
Monday thru Friday, 8 a.m. to 5 p.m. CT
The Summary of Benefits and Coverage (SBC) is required to be provided and contains specific information about the plan’s coverages (including deductibles, coinsurance, and copays). SBC’s must be provided in a standard format and contain the same plan level details to allow you to easily compare multiple benefit plan options (even when the plans are offered through different carriers). The SBC is a snapshot of health plan’s costs, benefits, covered health care services, and other features that are important to you.
The Summary Plan Description (SPD) or Certificate of Coverage provides an in-depth description of the plan benefits, including coverages, limitations, eligibility, claims submission details, etc. Also included in the SPD/COC are certain legally mandated notices and information. The SPD/COC provides more detail than an SBC or the quick overview found on this site.
BCBS of KC
Policy number: 33357000
816-395-3998 or mybluekc.com
We have created a quick overview of your plan choices in the medical tab. If you have more questions, follow the links to the official carrier documents:
For the Base PPO plan:
For the Buy-Up PPO plan:
For the QHDHP (HSA) plan:
For the Spira plan:
BCBS of KC
Policy number: 33357000
816-395-3998 or mybluekc.com
We have created a quick overview of your plan choices in the medical tab. If you have more questions, follow the links to the official carrier documents:
For the Base PPO plan:
For the Buy-Up PPO plan:
For the QHDHP (HSA) plan:
For the Spira plan:
UMB
866-520-4472 or hsa.umb.com
HealthEquity
healthequity.com
CuraLinc
888-881-LINC (5462) or curalinc.com (code: cargolargo)
Dental
800-487-5553 or ameritas.com
Vision (VSP network)
800-877-7195 or
vsp.com
Vision (EyeMed network)
866-289-0614 or eyemed.com
We have created a quick overview of your plan choices in the dental and vision tab. If you have more questions, follow the links to the official carrier documents:
For the dental plan:
Voya
Policy number:
Life Claims: 888.238.4840
Disability Claims: 888.305.0602
voya.com
We have created a quick overview of your plan choices in the life and disability tabs. If you have more questions, follow the links to the official carrier documents:
For the life plan:
For the LTD plan:
For the STD plan:
Voya
Policy number:
Life Claims: 888.238.4840
Disability Claims: 888.305.0602
voya.com
We have created a quick overview of your plan choices in the life and disability tabs. If you have more questions, follow the links to the official carrier documents:
For the life plan:
For the LTD plan:
For the STD plan:
Voya
Policy number:
877.236.7564 or voya.com
We have created a quick overview of your plan choices in the voluntary benefits tab. If you have more questions, follow the links to the official carrier documents:
For accident:
For hospital indemnity:
For critical illness:
Voya
877.236.7564 or voya.com
We have created a quick overview of your plan choices in the voluntary benefits tab. If you have more questions, follow the links to the official carrier documents:
For accident:
For hospital indemnity:
For critical illness:
Our goal is to make certain that you receive the correct coverage under the benefits plan. We are here to help with any issues that may arise. If you require assistance, have your ID number or Social Security number available and follow these steps:
LEGAL NOTE: This site is not intended to be a complete description of Cargo Largo’s insurance benefit plans. Please refer to the plan document(s) for a complete description. Each plan is governed in all respects by the terms of its legal plan document rather than by this or any other summary of the insurance benefits provided by the plan.
In the event of any conflict between a summary of the plan and the official document, the official document will prevail. Although Cargo Largo maintains its benefit plans on an ongoing basis, Cargo Largo reserves the right to terminate or amend each plan in its entirety or in any part at any time.
LEGAL NOTE: This site is not intended to be a complete description of Cargo Largo’s insurance benefit plans. Please refer to the plan document(s) for a complete description. Each plan is governed in all respects by the terms of its legal plan document rather than by this or any other summary of the insurance benefits provided by the plan.
In the event of any conflict between a summary of the plan and the official document, the official document will prevail. Although Cargo Largo maintains its benefit plans on an ongoing basis, Cargo Largo reserves the right to terminate or amend each plan in its entirety or in any part at any time.
For questions on Cargo Largo’s benefits, please contact our Benefit Specialist at:
cargolargobenefits@lockton.com
866.331.2721
Monday thru Friday, 8 a.m. to 5 p.m. CT
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